Home > Heritage Bank of the Ozarks > Performance and Condition Ratios
Heritage Bank of the Ozarks, 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 | 5.4070% | 1,299 |
| Cost of funding earning assets | 1.6919% | 1,467 |
| Net interest margin | 3.7151% | 1,732 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.9968% | 1,130 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8538% | 2,690 |
| Return on assets (ROA) | 0.8565% | 2,658 |
| Pretax return on assets | 1.0916% | 2,432 |
| Return on Equity (ROE) | 11.4200% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.6736% | 1,642 |
| Net charge-offs to loans | 0.0187% | 1,983 |
| Credit loss provision to net charge-offs | 600.0000% | 588 |
| Earnings coverage of net charge-offs (x) | 82.7381% | 1,003 |
| Efficiency ratio | 71.7861% | 1,678 |
| Assets per employee ($millions) | 5.4479% | 3,295 |
| Cash dividends to net income (ytd only)* | 32.8205% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 2,827 |
| Loan loss allowance to noncurrent loans | 244.3431% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 1,443 |
| Noncurrent loans to loans | 0.4510% | 1,653 |
| Net loans and leases to total assets | 76.0600% | 1,108 |
| Net loans and leases to deposits | 87.6877% | 1,465 |
| Net loans and leases to core deposits | 106.6593% | 1,084 |
| Total domestic deposits to total assets | 86.7400% | 1,775 |
| Equity capital to assets | 7.4834% | 3,726 |
| Core capital (leverage) ratio | 8.9763% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $295,984,600 | 2,441 |
| Average earning assets | $269,815,600 | 2,467 |
| Average equity | $22,193,000 | 2,674 |
| Average total loans | $224,392,000 | 2,133 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 1,402 |
| Cost of funding earning assets | 1.6064% | 1,361 |
| Net interest margin | 3.6218% | 1,942 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.9820% | 1,097 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.8201% | 2,963 |
| Return on assets (ROA) | 0.8216% | 2,948 |
| Pretax return on assets | 1.0452% | 2,726 |
| Return on Equity (ROE) | 10.9500% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.9078% | 2,324 |
| Net charge-offs to loans | 0.0061% | 2,226 |
| Credit loss provision to net charge-offs | 1,840.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 246.3000% | 517 |
| Efficiency ratio | 72.4780% | 1,517 |
| Assets per employee ($millions) | 5.0829% | 3,543 |
| Cash dividends to net income (ytd only)* | 36.9214% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,609 |
| Loan loss allowance to noncurrent loans | 317.5481% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 1,897 |
| Noncurrent loans to loans | 0.3627% | 1,931 |
| Net loans and leases to total assets | 75.6100% | 1,164 |
| Net loans and leases to deposits | 84.4964% | 1,700 |
| Net loans and leases to core deposits | 101.2259% | 1,249 |
| Total domestic deposits to total assets | 89.4800% | 1,078 |
| Equity capital to assets | 7.4117% | 3,406 |
| Core capital (leverage) ratio | 9.1140% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $290,986,250 | 2,474 |
| Average earning assets | $265,092,000 | 2,492 |
| Average equity | $21,829,750 | 2,697 |
| Average total loans | $219,738,000 | 2,158 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 1,509 |
| Cost of funding earning assets | 1.5210% | 1,206 |
| Net interest margin | 3.5112% | 2,237 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 2.9873% | 1,064 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7789% | 3,146 |
| Return on assets (ROA) | 0.7805% | 3,155 |
| Pretax return on assets | 0.9909% | 2,937 |
| Return on Equity (ROE) | 10.3600% | 2,608 |
| Retained earnings to average equity (ytd only) | 6.3879% | 2,482 |
| Net charge-offs to loans | 0.0092% | 1,862 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 152.4000% | 745 |
| Efficiency ratio | 73.7727% | 1,372 |
| Assets per employee ($millions) | 5.0998% | 3,506 |
| Cash dividends to net income (ytd only)* | 38.3452% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 2,730 |
| Loan loss allowance to noncurrent loans | 2,610.2041% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,451 |
| Noncurrent loans to loans | 0.0439% | 3,410 |
| Net loans and leases to total assets | 74.6700% | 1,209 |
| Net loans and leases to deposits | 84.9345% | 1,595 |
| Net loans and leases to core deposits | 103.3906% | 1,075 |
| Total domestic deposits to total assets | 87.9100% | 1,641 |
| Equity capital to assets | 7.5777% | 3,479 |
| Core capital (leverage) ratio | 9.0692% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $288,018,667 | 2,490 |
| Average earning assets | $262,189,667 | 2,519 |
| Average equity | $21,697,333 | 2,723 |
| Average total loans | $216,523,000 | 2,177 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 1,615 |
| Cost of funding earning assets | 1.4238% | 986 |
| Net interest margin | 3.3767% | 2,696 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 3.0183% | 1,027 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6954% | 3,484 |
| Return on assets (ROA) | 0.6954% | 3,431 |
| Pretax return on assets | 0.8785% | 3,291 |
| Return on Equity (ROE) | 9.2600% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.1174% | 3,000 |
| Net charge-offs to loans | -0.0019% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.1465% | 1,155 |
| Assets per employee ($millions) | 4.9555% | 3,692 |
| Cash dividends to net income (ytd only)* | 44.7368% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 2,815 |
| Loan loss allowance to noncurrent loans | 2,540.4040% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,436 |
| Noncurrent loans to loans | 0.0453% | 3,414 |
| Net loans and leases to total assets | 75.1300% | 1,062 |
| Net loans and leases to deposits | 86.2600% | 1,333 |
| Net loans and leases to core deposits | 99.9144% | 1,091 |
| Total domestic deposits to total assets | 87.1000% | 2,226 |
| Equity capital to assets | 7.8206% | 3,371 |
| Core capital (leverage) ratio | 9.1316% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $284,134,000 | 2,538 |
| Average earning assets | $259,305,500 | 2,564 |
| Average equity | $21,339,000 | 2,768 |
| Average total loans | $213,075,000 | 2,222 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 1,257 |
| Cost of funding earning assets | 0.5502% | 1,106 |
| Net interest margin | 3.6460% | 1,502 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 2.9479% | 1,050 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0738% | 2,287 |
| Return on assets (ROA) | 1.0734% | 2,225 |
| Pretax return on assets | 1.3790% | 1,826 |
| Return on Equity (ROE) | 13.4600% | 1,664 |
| Retained earnings to average equity (ytd only) | 7.2255% | 2,136 |
| Net charge-offs to loans | -0.0027% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.8009% | 2,110 |
| Assets per employee ($millions) | 5.2990% | 3,423 |
| Cash dividends to net income (ytd only)* | 46.3336% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,557 |
| Loan loss allowance to noncurrent loans | 2,280.1887% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,424 |
| Noncurrent loans to loans | 0.0510% | 3,393 |
| Net loans and leases to total assets | 73.0900% | 1,303 |
| Net loans and leases to deposits | 89.0298% | 1,112 |
| Net loans and leases to core deposits | 97.4249% | 1,134 |
| Total domestic deposits to total assets | 82.1000% | 3,611 |
| Equity capital to assets | 7.1925% | 3,557 |
| Core capital (leverage) ratio | 8.7524% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $259,165,000 | 2,676 |
| Average earning assets | $237,932,000 | 2,685 |
| Average equity | $20,663,000 | 2,889 |
| Average total loans | $185,484,800 | 2,334 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 1,184 |
| Cost of funding earning assets | 0.4134% | 1,201 |
| Net interest margin | 3.6265% | 1,329 |
| Noninterest income to average assets | 1.1600% | 530 |
| Noninterest expense to average assets | 2.9667% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1916% | 1,732 |
| Return on assets (ROA) | 1.1912% | 1,707 |
| Pretax return on assets | 1.5364% | 1,307 |
| Return on Equity (ROE) | 14.5500% | 1,275 |
| Retained earnings to average equity (ytd only) | 8.3481% | 1,871 |
| Net charge-offs to loans | -0.0044% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.8033% | 2,305 |
| Assets per employee ($millions) | 4.9314% | 3,735 |
| Cash dividends to net income (ytd only)* | 42.6114% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 2,899 |
| Loan loss allowance to noncurrent loans | 1,565.9574% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,350 |
| Noncurrent loans to loans | 0.0719% | 3,361 |
| Net loans and leases to total assets | 72.8200% | 1,199 |
| Net loans and leases to deposits | 79.6161% | 1,596 |
| Net loans and leases to core deposits | 84.1984% | 1,638 |
| Total domestic deposits to total assets | 91.4700% | 1,058 |
| Equity capital to assets | 7.4800% | 3,231 |
| Core capital (leverage) ratio | 8.9402% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $253,744,000 | 2,725 |
| Average earning assets | $233,826,500 | 2,731 |
| Average equity | $20,778,750 | 2,926 |
| Average total loans | $179,930,500 | 2,378 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 1,127 |
| Cost of funding earning assets | 0.4044% | 892 |
| Net interest margin | 3.4872% | 1,349 |
| Noninterest income to average assets | 1.3199% | 408 |
| Noninterest expense to average assets | 2.9917% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2052% | 1,406 |
| Return on assets (ROA) | 1.2045% | 1,394 |
| Pretax return on assets | 1.5547% | 1,038 |
| Return on Equity (ROE) | 14.2699% | 1,048 |
| Retained earnings to average equity (ytd only) | 8.1651% | 1,561 |
| Net charge-offs to loans | -0.0069% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7208% | 2,551 |
| Assets per employee ($millions) | 4.8253% | 3,831 |
| Cash dividends to net income (ytd only)* | 42.7811% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,562 |
| Loan loss allowance to noncurrent loans | 1,554.9296% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,428 |
| Noncurrent loans to loans | 0.0788% | 3,388 |
| Net loans and leases to total assets | 69.5935% | 1,334 |
| Net loans and leases to deposits | 76.4758% | 1,649 |
| Net loans and leases to core deposits | 80.0654% | 1,711 |
| Total domestic deposits to total assets | 91.0007% | 1,246 |
| Equity capital to assets | 8.0320% | 3,098 |
| Core capital (leverage) ratio | 9.0669% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,560,000 | 2,780 |
| Average earning assets | $230,956,000 | 2,787 |
| Average equity | $21,065,333 | 2,968 |
| Average total loans | $174,529,667 | 2,427 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 1,056 |
| Cost of funding earning assets | 0.4091% | 824 |
| Net interest margin | 3.4092% | 1,283 |
| Noninterest income to average assets | 1.0727% | 589 |
| Noninterest expense to average assets | 3.0608% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9166% | 2,218 |
| Return on assets (ROA) | 0.9153% | 2,224 |
| Pretax return on assets | 1.1750% | 1,900 |
| Return on Equity (ROE) | 10.5779% | 1,768 |
| Retained earnings to average equity (ytd only) | 8.7024% | 1,367 |
| Net charge-offs to loans | -0.0280% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1563% | 1,956 |
| Assets per employee ($millions) | 4.8334% | 3,895 |
| Cash dividends to net income (ytd only)* | 17.7305% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,368 |
| Loan loss allowance to noncurrent loans | 1,845.0000% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,555 |
| Noncurrent loans to loans | 0.0704% | 3,502 |
| Net loans and leases to total assets | 68.2489% | 1,187 |
| Net loans and leases to deposits | 75.7853% | 1,470 |
| Net loans and leases to core deposits | 79.5073% | 1,521 |
| Total domestic deposits to total assets | 90.0557% | 1,533 |
| Equity capital to assets | 8.7545% | 2,928 |
| Core capital (leverage) ratio | 9.0472% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,469,500 | 2,802 |
| Average earning assets | $228,793,000 | 2,819 |
| Average equity | $21,327,500 | 3,031 |
| Average total loans | $171,701,000 | 2,443 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 374 |
| Cost of funding earning assets | 0.4498% | 1,203 |
| Net interest margin | 4.3270% | 377 |
| Noninterest income to average assets | 1.1515% | 797 |
| Noninterest expense to average assets | 3.1748% | 754 |
| Loan and lease loss provision to assets | 0.0694% | 1,691 |
| Net operating income to assets | 1.4466% | 1,144 |
| Return on assets (ROA) | 1.4510% | 1,207 |
| Pretax return on assets | 1.8837% | 754 |
| Return on Equity (ROE) | 17.0657% | 579 |
| Retained earnings to average equity (ytd only) | 15.1078% | 216 |
| Net charge-offs to loans | -0.0006% | 3,239 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8874% | 2,886 |
| Assets per employee ($millions) | 4.6498% | 4,004 |
| Cash dividends to net income (ytd only)* | 11.4730% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,485 |
| Loan loss allowance to noncurrent loans | 1,420.6452% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,538 |
| Noncurrent loans to loans | 0.0896% | 3,482 |
| Net loans and leases to total assets | 69.2879% | 1,126 |
| Net loans and leases to deposits | 78.8914% | 1,308 |
| Net loans and leases to core deposits | 83.1885% | 1,377 |
| Total domestic deposits to total assets | 87.8269% | 2,134 |
| Equity capital to assets | 8.5519% | 4,018 |
| Core capital (leverage) ratio | 8.4814% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,661,400 | 2,840 |
| Average earning assets | $211,669,600 | 2,861 |
| Average equity | $19,612,400 | 3,247 |
| Average total loans | $162,931,400 | 2,519 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 287 |
| Cost of funding earning assets | 0.4560% | 1,313 |
| Net interest margin | 4.5712% | 281 |
| Noninterest income to average assets | 1.1350% | 883 |
| Noninterest expense to average assets | 3.1704% | 746 |
| Loan and lease loss provision to assets | 0.0675% | 1,655 |
| Net operating income to assets | 1.5937% | 1,053 |
| Return on assets (ROA) | 1.5978% | 1,083 |
| Pretax return on assets | 2.0824% | 695 |
| Return on Equity (ROE) | 18.8218% | 533 |
| Retained earnings to average equity (ytd only) | 16.8544% | 250 |
| Net charge-offs to loans | -0.0042% | 3,383 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5486% | 3,060 |
| Assets per employee ($millions) | 4.6890% | 3,977 |
| Cash dividends to net income (ytd only)* | 10.4527% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,580 |
| Loan loss allowance to noncurrent loans | 2,542.3529% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,923 |
| Noncurrent loans to loans | 0.0504% | 3,860 |
| Net loans and leases to total assets | 68.2824% | 1,289 |
| Net loans and leases to deposits | 77.8197% | 1,500 |
| Net loans and leases to core deposits | 82.3151% | 1,548 |
| Total domestic deposits to total assets | 87.7443% | 1,977 |
| Equity capital to assets | 8.5039% | 4,210 |
| Core capital (leverage) ratio | 8.4915% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,717,500 | 2,893 |
| Average earning assets | $207,320,750 | 2,925 |
| Average equity | $19,246,750 | 3,322 |
| Average total loans | $160,426,000 | 2,580 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 344 |
| Cost of funding earning assets | 0.4614% | 1,438 |
| Net interest margin | 4.5372% | 332 |
| Noninterest income to average assets | 1.1429% | 871 |
| Noninterest expense to average assets | 3.2595% | 650 |
| Loan and lease loss provision to assets | 0.0633% | 1,772 |
| Net operating income to assets | 1.5211% | 1,242 |
| Return on assets (ROA) | 1.5275% | 1,288 |
| Pretax return on assets | 1.9926% | 850 |
| Return on Equity (ROE) | 18.0047% | 654 |
| Retained earnings to average equity (ytd only) | 16.0421% | 336 |
| Net charge-offs to loans | -0.0076% | 3,568 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3129% | 2,830 |
| Assets per employee ($millions) | 4.3965% | 4,190 |
| Cash dividends to net income (ytd only)* | 10.9005% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,646 |
| Loan loss allowance to noncurrent loans | 1,253.2544% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,723 |
| Noncurrent loans to loans | 0.1004% | 3,682 |
| Net loans and leases to total assets | 71.3115% | 1,042 |
| Net loans and leases to deposits | 81.3556% | 1,291 |
| Net loans and leases to core deposits | 88.4451% | 1,240 |
| Total domestic deposits to total assets | 87.6541% | 2,014 |
| Equity capital to assets | 8.5303% | 4,184 |
| Core capital (leverage) ratio | 8.7308% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,013,333 | 2,935 |
| Average earning assets | $202,857,000 | 2,960 |
| Average equity | $18,750,667 | 3,359 |
| Average total loans | $157,683,333 | 2,614 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4045% | 908 |
| Cost of funding earning assets | 0.4790% | 1,528 |
| Net interest margin | 3.9255% | 946 |
| Noninterest income to average assets | 1.2595% | 794 |
| Noninterest expense to average assets | 3.2928% | 614 |
| Loan and lease loss provision to assets | 0.0558% | 1,997 |
| Net operating income to assets | 1.1327% | 2,380 |
| Return on assets (ROA) | 1.1385% | 2,424 |
| Pretax return on assets | 1.5013% | 1,991 |
| Return on Equity (ROE) | 13.4598% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.6124% | 1,244 |
| Net charge-offs to loans | -0.0079% | 3,570 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8832% | 1,946 |
| Assets per employee ($millions) | 4.4002% | 4,196 |
| Cash dividends to net income (ytd only)* | 13.7255% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,407 |
| Loan loss allowance to noncurrent loans | 700.6757% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 3,515 |
| Noncurrent loans to loans | 0.1865% | 3,439 |
| Net loans and leases to total assets | 69.7913% | 1,321 |
| Net loans and leases to deposits | 79.6495% | 1,551 |
| Net loans and leases to core deposits | 89.1562% | 1,277 |
| Total domestic deposits to total assets | 87.6230% | 2,034 |
| Equity capital to assets | 8.4493% | 4,156 |
| Core capital (leverage) ratio | 8.5765% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,011,500 | 2,968 |
| Average earning assets | $196,253,000 | 3,009 |
| Average equity | $18,187,500 | 3,406 |
| Average total loans | $152,382,000 | 2,661 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 822 |
| Cost of funding earning assets | 0.7685% | 1,353 |
| Net interest margin | 3.9748% | 1,030 |
| Noninterest income to average assets | 1.2291% | 740 |
| Noninterest expense to average assets | 3.6619% | 556 |
| Loan and lease loss provision to assets | 0.1479% | 2,525 |
| Net operating income to assets | 0.8168% | 3,026 |
| Return on assets (ROA) | 0.8141% | 3,158 |
| Pretax return on assets | 1.0745% | 2,798 |
| Return on Equity (ROE) | 9.3197% | 2,275 |
| Retained earnings to average equity (ytd only) | 8.1933% | 999 |
| Net charge-offs to loans | 0.0821% | 1,652 |
| Credit loss provision to net charge-offs | 248.1132% | 1,947 |
| Earnings coverage of net charge-offs (x) | 20.5660% | 1,936 |
| Efficiency ratio | 74.8763% | 1,347 |
| Assets per employee ($millions) | 4.2836% | 4,135 |
| Cash dividends to net income (ytd only)* | 12.0856% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 1,980 |
| Loan loss allowance to noncurrent loans | 779.0076% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 3,647 |
| Noncurrent loans to loans | 0.1794% | 3,571 |
| Net loans and leases to total assets | 70.0492% | 1,554 |
| Net loans and leases to deposits | 81.3817% | 1,721 |
| Net loans and leases to core deposits | 91.9439% | 1,389 |
| Total domestic deposits to total assets | 86.0749% | 2,331 |
| Equity capital to assets | 8.4693% | 4,466 |
| Core capital (leverage) ratio | 8.7358% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,856,200 | 3,120 |
| Average earning assets | $163,705,400 | 3,132 |
| Average equity | $15,537,000 | 3,605 |
| Average total loans | $129,116,000 | 2,876 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 847 |
| Cost of funding earning assets | 0.8535% | 1,243 |
| Net interest margin | 3.9709% | 1,179 |
| Noninterest income to average assets | 1.1974% | 743 |
| Noninterest expense to average assets | 3.7000% | 530 |
| Loan and lease loss provision to assets | 0.1703% | 2,294 |
| Net operating income to assets | 0.7443% | 3,303 |
| Return on assets (ROA) | 0.7419% | 3,412 |
| Pretax return on assets | 0.9790% | 3,136 |
| Return on Equity (ROE) | 8.4151% | 2,639 |
| Retained earnings to average equity (ytd only) | 6.8666% | 1,751 |
| Net charge-offs to loans | 0.1164% | 1,194 |
| Credit loss provision to net charge-offs | 200.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | 13.5505% | 2,194 |
| Efficiency ratio | 76.2540% | 1,189 |
| Assets per employee ($millions) | 3.9422% | 4,360 |
| Cash dividends to net income (ytd only)* | 18.4017% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,369 |
| Loan loss allowance to noncurrent loans | 962.3188% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 3,805 |
| Noncurrent loans to loans | 0.1564% | 3,762 |
| Net loans and leases to total assets | 71.8905% | 1,681 |
| Net loans and leases to deposits | 84.3428% | 1,873 |
| Net loans and leases to core deposits | 102.3514% | 1,009 |
| Total domestic deposits to total assets | 85.2361% | 2,345 |
| Equity capital to assets | 8.5866% | 4,410 |
| Core capital (leverage) ratio | 8.5406% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,916,750 | 3,168 |
| Average earning assets | $157,308,000 | 3,179 |
| Average equity | $15,067,750 | 3,647 |
| Average total loans | $124,877,000 | 2,931 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 948 |
| Cost of funding earning assets | 0.9347% | 1,217 |
| Net interest margin | 3.9792% | 1,376 |
| Noninterest income to average assets | 1.1801% | 718 |
| Noninterest expense to average assets | 3.7255% | 552 |
| Loan and lease loss provision to assets | 0.2246% | 1,864 |
| Net operating income to assets | 0.6884% | 3,429 |
| Return on assets (ROA) | 0.6856% | 3,546 |
| Pretax return on assets | 0.9030% | 3,308 |
| Return on Equity (ROE) | 7.7047% | 2,860 |
| Retained earnings to average equity (ytd only) | 6.1611% | 2,007 |
| Net charge-offs to loans | 0.2255% | 691 |
| Credit loss provision to net charge-offs | 136.2319% | 2,195 |
| Earnings coverage of net charge-offs (x) | 6.8623% | 2,410 |
| Efficiency ratio | 76.7093% | 1,193 |
| Assets per employee ($millions) | 3.7645% | 4,499 |
| Cash dividends to net income (ytd only)* | 20.0348% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,246 |
| Loan loss allowance to noncurrent loans | 948.0392% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 3,869 |
| Noncurrent loans to loans | 0.1587% | 3,822 |
| Net loans and leases to total assets | 71.5388% | 1,795 |
| Net loans and leases to deposits | 84.0762% | 1,994 |
| Net loans and leases to core deposits | 107.1997% | 846 |
| Total domestic deposits to total assets | 85.0881% | 2,359 |
| Equity capital to assets | 8.6417% | 4,393 |
| Core capital (leverage) ratio | 8.5783% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,442,000 | 3,178 |
| Average earning assets | $154,703,667 | 3,181 |
| Average equity | $14,900,000 | 3,666 |
| Average total loans | $122,383,000 | 2,946 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 800 |
| Cost of funding earning assets | 1.0431% | 1,247 |
| Net interest margin | 4.0552% | 1,235 |
| Noninterest income to average assets | 1.1531% | 655 |
| Noninterest expense to average assets | 3.8132% | 612 |
| Loan and lease loss provision to assets | 0.2459% | 1,265 |
| Net operating income to assets | 0.6392% | 3,476 |
| Return on assets (ROA) | 0.6392% | 3,542 |
| Pretax return on assets | 0.8408% | 3,308 |
| Return on Equity (ROE) | 7.0724% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.4403% | 2,094 |
| Net charge-offs to loans | 0.3587% | 395 |
| Credit loss provision to net charge-offs | 93.4579% | 1,881 |
| Earnings coverage of net charge-offs (x) | 4.1308% | 2,155 |
| Efficiency ratio | 77.8224% | 1,359 |
| Assets per employee ($millions) | 3.5995% | 4,390 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 1,146 |
| Loan loss allowance to noncurrent loans | 845.4955% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 3,903 |
| Noncurrent loans to loans | 0.1857% | 3,806 |
| Net loans and leases to total assets | 72.6413% | 1,835 |
| Net loans and leases to deposits | 88.7781% | 1,665 |
| Net loans and leases to core deposits | 119.6078% | 479 |
| Total domestic deposits to total assets | 81.8235% | 3,464 |
| Equity capital to assets | 9.2482% | 4,433 |
| Core capital (leverage) ratio | 9.0911% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,697,000 | 3,189 |
| Average earning assets | $150,325,500 | 3,190 |
| Average equity | $14,705,000 | 3,695 |
| Average total loans | $119,320,000 | 2,965 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3903% | 677 |
| Cost of funding earning assets | 1.1626% | 1,119 |
| Net interest margin | 4.2277% | 1,262 |
| Noninterest income to average assets | 1.1656% | 691 |
| Noninterest expense to average assets | 3.6372% | 822 |
| Loan and lease loss provision to assets | 0.2312% | 826 |
| Net operating income to assets | 0.9282% | 3,100 |
| Return on assets (ROA) | 0.9193% | 3,201 |
| Pretax return on assets | 1.2137% | 2,790 |
| Return on Equity (ROE) | 10.6513% | 2,022 |
| Retained earnings to average equity (ytd only) | 8.9727% | 717 |
| Net charge-offs to loans | 0.0743% | 2,032 |
| Credit loss provision to net charge-offs | 428.0488% | 666 |
| Earnings coverage of net charge-offs (x) | 26.9634% | 1,677 |
| Efficiency ratio | 71.4119% | 1,958 |
| Assets per employee ($millions) | 3.8909% | 4,037 |
| Cash dividends to net income (ytd only)* | 15.7593% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 1,017 |
| Loan loss allowance to noncurrent loans | 391.6840% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,520 |
| Noncurrent loans to loans | 0.4039% | 2,993 |
| Net loans and leases to total assets | 71.7286% | 2,127 |
| Net loans and leases to deposits | 85.9979% | 2,088 |
| Net loans and leases to core deposits | 121.2450% | 443 |
| Total domestic deposits to total assets | 83.4074% | 3,065 |
| Equity capital to assets | 8.8302% | 4,773 |
| Core capital (leverage) ratio | 8.9101% | 4,594 |
| Tier 1 risk-based capital ratio | 11.6473% | 4,550 |
| Total risk-based capital ratio | 12.9003% | 4,439 |
| Memoranda: | ||
| Average total assets | $151,848,800 | 3,272 |
| Average earning assets | $141,068,000 | 3,262 |
| Average equity | $13,106,400 | 3,880 |
| Average total loans | $110,370,000 | 3,078 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 704 |
| Cost of funding earning assets | 1.1737% | 1,100 |
| Net interest margin | 4.2214% | 1,321 |
| Noninterest income to average assets | 1.1994% | 638 |
| Noninterest expense to average assets | 3.6699% | 778 |
| Loan and lease loss provision to assets | 0.1208% | 1,620 |
| Net operating income to assets | 1.0118% | 2,939 |
| Return on assets (ROA) | 0.9998% | 3,061 |
| Pretax return on assets | 1.3212% | 2,592 |
| Return on Equity (ROE) | 11.6575% | 1,732 |
| Retained earnings to average equity (ytd only) | 9.9876% | 751 |
| Net charge-offs to loans | 0.0148% | 2,868 |
| Credit loss provision to net charge-offs | 1,125.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 135.6631% | 583 |
| Efficiency ratio | 71.5782% | 1,891 |
| Assets per employee ($millions) | 3.7585% | 4,209 |
| Cash dividends to net income (ytd only)* | 14.3242% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,160 |
| Loan loss allowance to noncurrent loans | 560.3226% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 3,780 |
| Noncurrent loans to loans | 0.2734% | 3,562 |
| Net loans and leases to total assets | 70.7246% | 2,371 |
| Net loans and leases to deposits | 85.0121% | 2,320 |
| Net loans and leases to core deposits | 117.0299% | 627 |
| Total domestic deposits to total assets | 83.1935% | 3,096 |
| Equity capital to assets | 8.5033% | 5,002 |
| Core capital (leverage) ratio | 8.8604% | 4,739 |
| Tier 1 risk-based capital ratio | 11.5541% | 4,643 |
| Total risk-based capital ratio | 12.8071% | 4,542 |
| Memoranda: | ||
| Average total assets | $148,957,000 | 3,345 |
| Average earning assets | $138,591,250 | 3,330 |
| Average equity | $12,775,500 | 3,946 |
| Average total loans | $108,187,500 | 3,151 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3946% | 690 |
| Cost of funding earning assets | 1.1397% | 1,163 |
| Net interest margin | 4.2549% | 1,226 |
| Noninterest income to average assets | 1.2864% | 526 |
| Noninterest expense to average assets | 3.7071% | 746 |
| Loan and lease loss provision to assets | 0.1233% | 1,514 |
| Net operating income to assets | 1.0779% | 2,615 |
| Return on assets (ROA) | 1.0768% | 2,685 |
| Pretax return on assets | 1.4234% | 2,136 |
| Return on Equity (ROE) | 12.5163% | 1,403 |
| Retained earnings to average equity (ytd only) | 10.9239% | 553 |
| Net charge-offs to loans | 0.0207% | 2,446 |
| Credit loss provision to net charge-offs | 818.1818% | 417 |
| Earnings coverage of net charge-offs (x) | 102.7273% | 682 |
| Efficiency ratio | 70.5422% | 2,146 |
| Assets per employee ($millions) | 3.7036% | 4,241 |
| Cash dividends to net income (ytd only)* | 12.7226% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,104 |
| Loan loss allowance to noncurrent loans | 780.6452% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 4,028 |
| Noncurrent loans to loans | 0.2009% | 3,828 |
| Net loans and leases to total assets | 71.7752% | 2,239 |
| Net loans and leases to deposits | 82.3683% | 2,687 |
| Net loans and leases to core deposits | 114.6242% | 752 |
| Total domestic deposits to total assets | 87.1395% | 1,525 |
| Equity capital to assets | 8.8266% | 4,890 |
| Core capital (leverage) ratio | 8.8666% | 4,743 |
| Tier 1 risk-based capital ratio | 12.1539% | 4,326 |
| Total risk-based capital ratio | 13.4076% | 4,218 |
| Memoranda: | ||
| Average total assets | $145,990,670 | 3,403 |
| Average earning assets | $136,173,000 | 3,391 |
| Average equity | $12,559,670 | 3,978 |
| Average total loans | $106,456,670 | 3,191 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3501% | 695 |
| Cost of funding earning assets | 1.1355% | 1,075 |
| Net interest margin | 4.2146% | 1,277 |
| Noninterest income to average assets | 1.4243% | 426 |
| Noninterest expense to average assets | 3.7153% | 738 |
| Loan and lease loss provision to assets | 0.1242% | 1,412 |
| Net operating income to assets | 1.1587% | 2,224 |
| Return on assets (ROA) | 1.1565% | 2,290 |
| Pretax return on assets | 1.5264% | 1,688 |
| Return on Equity (ROE) | 13.6244% | 1,049 |
| Retained earnings to average equity (ytd only) | 11.9985% | 608 |
| Net charge-offs to loans | 0.0114% | 2,283 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 199.6667% | 390 |
| Efficiency ratio | 69.2031% | 2,472 |
| Assets per employee ($millions) | 3.6956% | 4,349 |
| Cash dividends to net income (ytd only)* | 11.9332% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,196 |
| Loan loss allowance to noncurrent loans | 618.2836% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 3,714 |
| Noncurrent loans to loans | 0.2498% | 3,671 |
| Net loans and leases to total assets | 73.2840% | 1,935 |
| Net loans and leases to deposits | 84.4908% | 2,327 |
| Net loans and leases to core deposits | 117.0093% | 615 |
| Total domestic deposits to total assets | 86.7360% | 1,942 |
| Equity capital to assets | 8.7777% | 4,840 |
| Core capital (leverage) ratio | 8.7518% | 4,828 |
| Tier 1 risk-based capital ratio | 12.1826% | 4,361 |
| Total risk-based capital ratio | 13.4371% | 4,238 |
| Memoranda: | ||
| Average total assets | $144,914,500 | 3,446 |
| Average earning assets | $135,622,500 | 3,431 |
| Average equity | $12,301,500 | 4,024 |
| Average total loans | $105,673,000 | 3,229 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0220% | 1,003 |
| Cost of funding earning assets | 0.8917% | 1,128 |
| Net interest margin | 4.1304% | 1,588 |
| Noninterest income to average assets | 1.2586% | 590 |
| Noninterest expense to average assets | 3.6972% | 776 |
| Loan and lease loss provision to assets | 0.1070% | 2,056 |
| Net operating income to assets | 1.0336% | 2,869 |
| Return on assets (ROA) | 1.0325% | 2,861 |
| Pretax return on assets | 1.3242% | 2,419 |
| Return on Equity (ROE) | 13.0204% | 1,343 |
| Retained earnings to average equity (ytd only) | 10.1699% | 592 |
| Net charge-offs to loans | 0.1176% | 1,572 |
| Credit loss provision to net charge-offs | 128.2051% | 2,058 |
| Earnings coverage of net charge-offs (x) | 17.1709% | 2,206 |
| Efficiency ratio | 72.0740% | 1,887 |
| Assets per employee ($millions) | 3.6426% | 4,398 |
| Cash dividends to net income (ytd only)* | 21.8923% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,143 |
| Loan loss allowance to noncurrent loans | 451.1173% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 3,431 |
| Noncurrent loans to loans | 0.3440% | 3,313 |
| Net loans and leases to total assets | 70.3161% | 2,523 |
| Net loans and leases to deposits | 81.0371% | 2,849 |
| Net loans and leases to core deposits | 111.0795% | 936 |
| Total domestic deposits to total assets | 86.7703% | 1,886 |
| Equity capital to assets | 8.2030% | 5,081 |
| Core capital (leverage) ratio | 8.5228% | 5,019 |
| Tier 1 risk-based capital ratio | 12.0969% | 4,366 |
| Total risk-based capital ratio | 13.3505% | 4,252 |
| Memoranda: | ||
| Average total assets | $140,240,600 | 3,502 |
| Average earning assets | $131,441,400 | 3,476 |
| Average equity | $11,121,000 | 4,142 |
| Average total loans | $99,491,200 | 3,300 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,048 |
| Cost of funding earning assets | 0.8375% | 1,161 |
| Net interest margin | 4.1107% | 1,597 |
| Noninterest income to average assets | 0.9898% | 976 |
| Noninterest expense to average assets | 3.7193% | 741 |
| Loan and lease loss provision to assets | 0.1008% | 1,981 |
| Net operating income to assets | 0.7709% | 4,006 |
| Return on assets (ROA) | 0.7709% | 4,016 |
| Pretax return on assets | 1.0244% | 3,649 |
| Return on Equity (ROE) | 9.8105% | 2,703 |
| Retained earnings to average equity (ytd only) | 6.5485% | 2,362 |
| Net charge-offs to loans | 0.1491% | 1,104 |
| Credit loss provision to net charge-offs | 95.4545% | 2,358 |
| Earnings coverage of net charge-offs (x) | 10.6548% | 2,568 |
| Efficiency ratio | 76.7737% | 1,260 |
| Assets per employee ($millions) | 3.6222% | 4,405 |
| Cash dividends to net income (ytd only)* | 33.2502% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 1,173 |
| Loan loss allowance to noncurrent loans | 457.1014% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,565 |
| Noncurrent loans to loans | 0.3413% | 3,433 |
| Net loans and leases to total assets | 68.6875% | 2,842 |
| Net loans and leases to deposits | 79.9139% | 3,055 |
| Net loans and leases to core deposits | 107.4510% | 1,203 |
| Total domestic deposits to total assets | 85.9519% | 2,224 |
| Equity capital to assets | 7.4968% | 5,308 |
| Core capital (leverage) ratio | 8.1083% | 5,291 |
| Tier 1 risk-based capital ratio | 11.2685% | 4,918 |
| Total risk-based capital ratio | 12.5217% | 4,812 |
| Memoranda: | ||
| Average total assets | $138,875,250 | 3,556 |
| Average earning assets | $130,227,250 | 3,526 |
| Average equity | $10,913,250 | 4,212 |
| Average total loans | $98,347,250 | 3,354 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 1,131 |
| Cost of funding earning assets | 0.7294% | 1,472 |
| Net interest margin | 4.1189% | 1,491 |
| Noninterest income to average assets | 0.9586% | 1,031 |
| Noninterest expense to average assets | 3.6998% | 758 |
| Loan and lease loss provision to assets | 0.1096% | 1,791 |
| Net operating income to assets | 0.7715% | 3,949 |
| Return on assets (ROA) | 0.7715% | 3,955 |
| Pretax return on assets | 1.0272% | 3,577 |
| Return on Equity (ROE) | 9.6612% | 2,733 |
| Retained earnings to average equity (ytd only) | 5.6906% | 2,729 |
| Net charge-offs to loans | 0.0144% | 2,659 |
| Credit loss provision to net charge-offs | 1,071.4286% | 385 |
| Earnings coverage of net charge-offs (x) | 111.1429% | 651 |
| Efficiency ratio | 76.4955% | 1,366 |
| Assets per employee ($millions) | 3.9234% | 4,026 |
| Cash dividends to net income (ytd only)* | 41.0985% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 1,009 |
| Loan loss allowance to noncurrent loans | 204.4610% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 2,564 |
| Noncurrent loans to loans | 0.8019% | 2,126 |
| Net loans and leases to total assets | 68.1859% | 2,835 |
| Net loans and leases to deposits | 80.9808% | 2,858 |
| Net loans and leases to core deposits | 108.4651% | 1,089 |
| Total domestic deposits to total assets | 84.2000% | 2,992 |
| Equity capital to assets | 7.4584% | 5,384 |
| Core capital (leverage) ratio | 8.4169% | 5,161 |
| Tier 1 risk-based capital ratio | 12.1150% | 4,426 |
| Total risk-based capital ratio | 13.3706% | 4,300 |
| Memoranda: | ||
| Average total assets | $136,871,000 | 3,612 |
| Average earning assets | $128,869,670 | 3,566 |
| Average equity | $10,930,330 | 4,239 |
| Average total loans | $97,430,670 | 3,384 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 964 |
| Cost of funding earning assets | 0.6744% | 1,570 |
| Net interest margin | 4.1807% | 1,211 |
| Noninterest income to average assets | 0.9825% | 947 |
| Noninterest expense to average assets | 3.7974% | 680 |
| Loan and lease loss provision to assets | 0.0904% | 1,997 |
| Net operating income to assets | 0.7776% | 3,803 |
| Return on assets (ROA) | 0.7776% | 3,801 |
| Pretax return on assets | 1.0367% | 3,405 |
| Return on Equity (ROE) | 9.3972% | 2,718 |
| Retained earnings to average equity (ytd only) | 7.5760% | 1,999 |
| Net charge-offs to loans | -0.0042% | 3,948 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1114% | 1,443 |
| Assets per employee ($millions) | 3.4339% | 4,751 |
| Cash dividends to net income (ytd only)* | 19.3798% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 1,013 |
| Loan loss allowance to noncurrent loans | 238.9630% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 2,637 |
| Noncurrent loans to loans | 0.6988% | 2,464 |
| Net loans and leases to total assets | 70.9171% | 2,342 |
| Net loans and leases to deposits | 83.7271% | 2,417 |
| Net loans and leases to core deposits | 106.7543% | 1,190 |
| Total domestic deposits to total assets | 84.7003% | 3,030 |
| Equity capital to assets | 8.1673% | 5,195 |
| Core capital (leverage) ratio | 8.7712% | 4,925 |
| Tier 1 risk-based capital ratio | 12.4412% | 4,283 |
| Total risk-based capital ratio | 13.6968% | 4,175 |
| Memoranda: | ||
| Average total assets | $132,724,000 | 3,698 |
| Average earning assets | $125,146,000 | 3,663 |
| Average equity | $10,982,000 | 4,274 |
| Average total loans | $95,830,000 | 3,427 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 918 |
| Cost of funding earning assets | 0.5834% | 1,720 |
| Net interest margin | 4.2484% | 1,087 |
| Noninterest income to average assets | 1.1921% | 731 |
| Noninterest expense to average assets | 3.8116% | 686 |
| Loan and lease loss provision to assets | 0.1332% | 1,719 |
| Net operating income to assets | 0.6445% | 3,840 |
| Return on assets (ROA) | 0.6435% | 3,875 |
| Pretax return on assets | 1.2353% | 2,611 |
| Return on Equity (ROE) | 7.6199% | 2,992 |
| Retained earnings to average equity (ytd only) | 5.7637% | 1,676 |
| Net charge-offs to loans | 0.0544% | 2,718 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 34.2745% | 1,403 |
| Efficiency ratio | 73.5592% | 1,965 |
| Assets per employee ($millions) | 3.4612% | 4,752 |
| Cash dividends to net income (ytd only)* | 24.3605% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 1,006 |
| Loan loss allowance to noncurrent loans | 241.8960% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 2,500 |
| Noncurrent loans to loans | 0.6879% | 2,499 |
| Net loans and leases to total assets | 71.0821% | 2,367 |
| Net loans and leases to deposits | 84.5168% | 2,438 |
| Net loans and leases to core deposits | 108.1409% | 1,120 |
| Total domestic deposits to total assets | 84.1040% | 3,164 |
| Equity capital to assets | 8.3833% | 5,200 |
| Core capital (leverage) ratio | 8.5341% | 5,107 |
| Tier 1 risk-based capital ratio | 12.5369% | 4,182 |
| Total risk-based capital ratio | 13.7929% | 4,080 |
| Memoranda: | ||
| Average total assets | $127,585,400 | 3,785 |
| Average earning assets | $119,809,600 | 3,748 |
| Average equity | $10,774,400 | 4,338 |
| Average total loans | $93,725,600 | 3,456 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 972 |
| Cost of funding earning assets | 0.5642% | 1,782 |
| Net interest margin | 4.2105% | 1,131 |
| Noninterest income to average assets | 1.2870% | 643 |
| Noninterest expense to average assets | 3.8156% | 659 |
| Loan and lease loss provision to assets | 0.1632% | 1,246 |
| Net operating income to assets | 0.8120% | 3,477 |
| Return on assets (ROA) | 0.8120% | 3,524 |
| Pretax return on assets | 1.2617% | 2,660 |
| Return on Equity (ROE) | 9.5969% | 2,307 |
| Retained earnings to average equity (ytd only) | 7.7298% | 1,332 |
| Net charge-offs to loans | 0.0414% | 2,608 |
| Credit loss provision to net charge-offs | 534.4828% | 591 |
| Earnings coverage of net charge-offs (x) | 46.6499% | 1,167 |
| Efficiency ratio | 72.8095% | 2,073 |
| Assets per employee ($millions) | 3.6552% | 4,506 |
| Cash dividends to net income (ytd only)* | 19.4558% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 1,149 |
| Loan loss allowance to noncurrent loans | 285.2783% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 3,381 |
| Noncurrent loans to loans | 0.5759% | 2,966 |
| Net loans and leases to total assets | 70.3344% | 2,507 |
| Net loans and leases to deposits | 83.7284% | 2,588 |
| Net loans and leases to core deposits | 107.1157% | 1,191 |
| Total domestic deposits to total assets | 84.0030% | 3,122 |
| Equity capital to assets | 8.2628% | 5,413 |
| Core capital (leverage) ratio | 8.6773% | 5,083 |
| Tier 1 risk-based capital ratio | 12.4961% | 4,316 |
| Total risk-based capital ratio | 13.7527% | 4,227 |
| Memoranda: | ||
| Average total assets | $126,600,750 | 3,835 |
| Average earning assets | $118,874,500 | 3,806 |
| Average equity | $10,711,500 | 4,387 |
| Average total loans | $93,389,000 | 3,493 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 931 |
| Cost of funding earning assets | 0.5554% | 1,742 |
| Net interest margin | 4.2112% | 1,059 |
| Noninterest income to average assets | 1.2561% | 662 |
| Noninterest expense to average assets | 3.8474% | 633 |
| Loan and lease loss provision to assets | 0.1536% | 1,311 |
| Net operating income to assets | 0.7769% | 3,510 |
| Return on assets (ROA) | 0.7727% | 3,583 |
| Pretax return on assets | 1.2076% | 2,739 |
| Return on Equity (ROE) | 9.0556% | 2,487 |
| Retained earnings to average equity (ytd only) | 7.1611% | 1,513 |
| Net charge-offs to loans | 0.0108% | 3,077 |
| Credit loss provision to net charge-offs | 1,900.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 169.2000% | 461 |
| Efficiency ratio | 73.7756% | 2,059 |
| Assets per employee ($millions) | 3.3692% | 4,899 |
| Cash dividends to net income (ytd only)* | 20.9205% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 1,157 |
| Loan loss allowance to noncurrent loans | 1,362.2807% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,836 |
| Noncurrent loans to loans | 0.1210% | 4,635 |
| Net loans and leases to total assets | 72.3555% | 2,140 |
| Net loans and leases to deposits | 86.8240% | 2,131 |
| Net loans and leases to core deposits | 111.3601% | 934 |
| Total domestic deposits to total assets | 83.3358% | 3,455 |
| Equity capital to assets | 8.4926% | 5,308 |
| Core capital (leverage) ratio | 8.8245% | 4,923 |
| Tier 1 risk-based capital ratio | 12.8556% | 4,088 |
| Total risk-based capital ratio | 14.1126% | 3,999 |
| Memoranda: | ||
| Average total assets | $123,719,670 | 3,899 |
| Average earning assets | $116,309,670 | 3,876 |
| Average equity | $10,557,000 | 4,426 |
| Average total loans | $92,281,330 | 3,532 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 843 |
| Cost of funding earning assets | 0.5540% | 1,688 |
| Net interest margin | 4.1973% | 997 |
| Noninterest income to average assets | 1.1286% | 785 |
| Noninterest expense to average assets | 3.9419% | 577 |
| Loan and lease loss provision to assets | 0.0987% | 1,916 |
| Net operating income to assets | 0.6581% | 3,897 |
| Return on assets (ROA) | 0.6581% | 3,934 |
| Pretax return on assets | 1.0266% | 3,256 |
| Return on Equity (ROE) | 7.6930% | 3,077 |
| Retained earnings to average equity (ytd only) | 5.7698% | 2,457 |
| Net charge-offs to loans | 0.0219% | 2,337 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 68.4000% | 732 |
| Efficiency ratio | 77.7922% | 1,658 |
| Assets per employee ($millions) | 3.2013% | 5,159 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 1,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.9748% | 1,918 |
| Net loans and leases to deposits | 87.4686% | 1,864 |
| Net loans and leases to core deposits | 108.5277% | 945 |
| Total domestic deposits to total assets | 83.4297% | 3,683 |
| Equity capital to assets | 8.4053% | 5,302 |
| Core capital (leverage) ratio | 9.0007% | 4,740 |
| Tier 1 risk-based capital ratio | 12.3531% | 4,478 |
| Total risk-based capital ratio | 13.6084% | 4,381 |
| Memoranda: | ||
| Average total assets | $121,565,000 | 3,967 |
| Average earning assets | $114,074,000 | 3,943 |
| Average equity | $10,399,000 | 4,480 |
| Average total loans | $91,327,500 | 3,567 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 742 |
| Cost of funding earning assets | 0.5440% | 1,756 |
| Net interest margin | 4.3539% | 844 |
| Noninterest income to average assets | 1.4812% | 536 |
| Noninterest expense to average assets | 3.9017% | 690 |
| Loan and lease loss provision to assets | 0.2308% | 939 |
| Net operating income to assets | 0.9075% | 2,781 |
| Return on assets (ROA) | 0.9144% | 2,859 |
| Pretax return on assets | 1.4322% | 1,812 |
| Return on Equity (ROE) | 10.0580% | 1,933 |
| Retained earnings to average equity (ytd only) | 8.4895% | 704 |
| Net charge-offs to loans | 0.0080% | 3,990 |
| Credit loss provision to net charge-offs | 3,700.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 264.8571% | 270 |
| Efficiency ratio | 70.2503% | 2,860 |
| Assets per employee ($millions) | 2.9570% | 5,386 |
| Cash dividends to net income (ytd only)* | 15.5945% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 1,320 |
| Loan loss allowance to noncurrent loans | 3,483.3333% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 5,198 |
| Noncurrent loans to loans | 0.0466% | 5,055 |
| Net loans and leases to total assets | 74.9028% | 1,707 |
| Net loans and leases to deposits | 91.8311% | 1,474 |
| Net loans and leases to core deposits | 116.2176% | 608 |
| Total domestic deposits to total assets | 81.5658% | 4,188 |
| Equity capital to assets | 8.7115% | 5,093 |
| Core capital (leverage) ratio | 9.1422% | 4,561 |
| Tier 1 risk-based capital ratio | 12.6063% | 4,320 |
| Total risk-based capital ratio | 13.8624% | 4,208 |
| Memoranda: | ||
| Average total assets | $112,207,000 | 4,121 |
| Average earning assets | $104,963,800 | 4,100 |
| Average equity | $10,200,800 | 4,540 |
| Average total loans | $87,854,600 | 3,621 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 716 |
| Cost of funding earning assets | 0.5445% | 1,752 |
| Net interest margin | 4.3600% | 833 |
| Noninterest income to average assets | 1.6165% | 471 |
| Noninterest expense to average assets | 3.8991% | 678 |
| Loan and lease loss provision to assets | 0.2614% | 697 |
| Net operating income to assets | 0.9805% | 2,516 |
| Return on assets (ROA) | 0.9889% | 2,624 |
| Pretax return on assets | 1.5490% | 1,540 |
| Return on Equity (ROE) | 10.7581% | 1,762 |
| Retained earnings to average equity (ytd only) | 9.3168% | 730 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4500% | 3,147 |
| Assets per employee ($millions) | 3.5738% | 4,681 |
| Cash dividends to net income (ytd only)* | 13.3980% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 1,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,528 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 74.4266% | 1,803 |
| Net loans and leases to deposits | 92.8915% | 1,381 |
| Net loans and leases to core deposits | 115.5345% | 673 |
| Total domestic deposits to total assets | 80.1221% | 4,486 |
| Equity capital to assets | 8.9583% | 5,212 |
| Core capital (leverage) ratio | 8.9970% | 4,834 |
| Tier 1 risk-based capital ratio | 12.8194% | 4,265 |
| Total risk-based capital ratio | 14.0754% | 4,178 |
| Memoranda: | ||
| Average total assets | $110,688,750 | 4,177 |
| Average earning assets | $103,575,250 | 4,152 |
| Average equity | $10,175,000 | 4,587 |
| Average total loans | $87,303,750 | 3,649 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 669 |
| Cost of funding earning assets | 0.5281% | 1,882 |
| Net interest margin | 4.4057% | 757 |
| Noninterest income to average assets | 1.3115% | 665 |
| Noninterest expense to average assets | 3.8606% | 708 |
| Loan and lease loss provision to assets | 0.2327% | 864 |
| Net operating income to assets | 0.8624% | 3,038 |
| Return on assets (ROA) | 0.8719% | 3,108 |
| Pretax return on assets | 1.3632% | 2,154 |
| Return on Equity (ROE) | 9.3977% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.3977% | 744 |
| Net charge-offs to loans | -0.0023% | 4,384 |
| Credit loss provision to net charge-offs | -12,600.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9437% | 2,834 |
| Assets per employee ($millions) | 3.4846% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,830 |
| Loan loss allowance to noncurrent loans | 4,955.5556% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,480 |
| Noncurrent loans to loans | 0.0304% | 5,341 |
| Net loans and leases to total assets | 76.0429% | 1,488 |
| Net loans and leases to deposits | 95.3713% | 1,151 |
| Net loans and leases to core deposits | 104.7096% | 1,268 |
| Total domestic deposits to total assets | 79.7335% | 4,617 |
| Equity capital to assets | 9.0005% | 5,236 |
| Core capital (leverage) ratio | 9.2692% | 4,498 |
| Tier 1 risk-based capital ratio | 12.8276% | 4,295 |
| Total risk-based capital ratio | 14.0825% | 4,211 |
| Memoranda: | ||
| Average total assets | $108,273,330 | 4,258 |
| Average earning assets | $101,504,670 | 4,240 |
| Average equity | $10,045,000 | 4,633 |
| Average total loans | $86,670,670 | 3,675 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 576 |
| Cost of funding earning assets | 0.5330% | 1,848 |
| Net interest margin | 4.4713% | 643 |
| Noninterest income to average assets | 1.0218% | 1,031 |
| Noninterest expense to average assets | 3.8965% | 688 |
| Loan and lease loss provision to assets | 0.1601% | 1,299 |
| Net operating income to assets | 0.7403% | 3,537 |
| Return on assets (ROA) | 0.7549% | 3,569 |
| Pretax return on assets | 1.1781% | 2,789 |
| Return on Equity (ROE) | 8.0061% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.0061% | 1,452 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7623% | 2,361 |
| Assets per employee ($millions) | 3.3414% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 2,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,659 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.4410% | 1,038 |
| Net loans and leases to deposits | 98.2844% | 737 |
| Net loans and leases to core deposits | 109.0336% | 906 |
| Total domestic deposits to total assets | 79.8101% | 4,787 |
| Equity capital to assets | 9.3692% | 4,815 |
| Core capital (leverage) ratio | 9.3568% | 4,415 |
| Tier 1 risk-based capital ratio | 13.1697% | 4,156 |
| Total risk-based capital ratio | 14.4246% | 4,076 |
| Memoranda: | ||
| Average total assets | $104,913,500 | 4,370 |
| Average earning assets | $98,315,000 | 4,337 |
| Average equity | $9,892,500 | 4,676 |
| Average total loans | $85,615,000 | 3,707 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 707 |
| Cost of funding earning assets | 0.5327% | 1,900 |
| Net interest margin | 4.4077% | 783 |
| Noninterest income to average assets | 1.3477% | 664 |
| Noninterest expense to average assets | 3.9798% | 691 |
| Loan and lease loss provision to assets | 0.3065% | 553 |
| Net operating income to assets | 0.7558% | 3,545 |
| Return on assets (ROA) | 0.7592% | 3,626 |
| Pretax return on assets | 1.1587% | 2,813 |
| Return on Equity (ROE) | 8.2009% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.2009% | 852 |
| Net charge-offs to loans | 0.0012% | 4,436 |
| Credit loss provision to net charge-offs | 30,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,429.0000% | 31 |
| Efficiency ratio | 73.1593% | 2,720 |
| Assets per employee ($millions) | 3.1182% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 2,390 |
| Loan loss allowance to noncurrent loans | 190.4088% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 3,193 |
| Noncurrent loans to loans | 0.7386% | 2,959 |
| Net loans and leases to total assets | 82.4989% | 546 |
| Net loans and leases to deposits | 107.4949% | 310 |
| Net loans and leases to core deposits | 119.8410% | 481 |
| Total domestic deposits to total assets | 76.7468% | 5,361 |
| Equity capital to assets | 9.4916% | 4,560 |
| Core capital (leverage) ratio | 9.6699% | 3,948 |
| Tier 1 risk-based capital ratio | 13.1141% | 4,232 |
| Total risk-based capital ratio | 14.3689% | 4,152 |
| Memoranda: | ||
| Average total assets | $97,868,800 | 4,504 |
| Average earning assets | $90,863,400 | 4,488 |
| Average equity | $9,060,000 | 4,833 |
| Average total loans | $81,776,400 | 3,778 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9365% | 707 |
| Cost of funding earning assets | 0.5297% | 1,965 |
| Net interest margin | 4.4068% | 783 |
| Noninterest income to average assets | 1.4215% | 616 |
| Noninterest expense to average assets | 3.9898% | 675 |
| Loan and lease loss provision to assets | 0.3588% | 369 |
| Net operating income to assets | 0.7436% | 3,714 |
| Return on assets (ROA) | 0.7480% | 3,784 |
| Pretax return on assets | 1.1675% | 2,940 |
| Return on Equity (ROE) | 8.1350% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.1350% | 1,197 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4198% | 2,805 |
| Assets per employee ($millions) | 2.9951% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 2,547 |
| Loan loss allowance to noncurrent loans | 5,855.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 5,680 |
| Noncurrent loans to loans | 0.0241% | 5,539 |
| Net loans and leases to total assets | 82.8699% | 491 |
| Net loans and leases to deposits | 106.2237% | 358 |
| Net loans and leases to core deposits | 117.7891% | 538 |
| Total domestic deposits to total assets | 78.0145% | 5,179 |
| Equity capital to assets | 9.6967% | 4,524 |
| Core capital (leverage) ratio | 9.6600% | 4,090 |
| Tier 1 risk-based capital ratio | 13.1291% | 4,360 |
| Total risk-based capital ratio | 14.3829% | 4,278 |
| Memoranda: | ||
| Average total assets | $96,610,500 | 4,574 |
| Average earning assets | $89,615,750 | 4,564 |
| Average equity | $8,883,250 | 4,940 |
| Average total loans | $80,694,500 | 3,835 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 700 |
| Cost of funding earning assets | 0.5287% | 1,994 |
| Net interest margin | 4.3900% | 772 |
| Noninterest income to average assets | 1.2079% | 832 |
| Noninterest expense to average assets | 3.9408% | 728 |
| Loan and lease loss provision to assets | 0.3129% | 465 |
| Net operating income to assets | 0.6488% | 4,125 |
| Return on assets (ROA) | 0.6488% | 4,235 |
| Pretax return on assets | 1.0076% | 3,556 |
| Return on Equity (ROE) | 7.1910% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.1910% | 1,617 |
| Net charge-offs to loans | 0.0025% | 3,812 |
| Credit loss provision to net charge-offs | 15,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 633.0000% | 100 |
| Efficiency ratio | 74.9009% | 2,554 |
| Assets per employee ($millions) | 3.2650% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 3,277 |
| Loan loss allowance to noncurrent loans | 5,305.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 5,774 |
| Noncurrent loans to loans | 0.0244% | 5,660 |
| Net loans and leases to total assets | 82.6628% | 500 |
| Net loans and leases to deposits | 107.7575% | 315 |
| Net loans and leases to core deposits | 119.2299% | 484 |
| Total domestic deposits to total assets | 76.7118% | 5,496 |
| Equity capital to assets | 9.4905% | 4,663 |
| Core capital (leverage) ratio | 9.5577% | 4,195 |
| Tier 1 risk-based capital ratio | 12.8358% | 4,603 |
| Total risk-based capital ratio | 14.0878% | 4,524 |
| Memoranda: | ||
| Average total assets | $95,868,000 | 4,633 |
| Average earning assets | $88,518,670 | 4,627 |
| Average equity | $8,649,670 | 5,024 |
| Average total loans | $79,900,000 | 3,886 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 838 |
| Cost of funding earning assets | 0.5312% | 2,002 |
| Net interest margin | 4.2820% | 915 |
| Noninterest income to average assets | 1.2781% | 701 |
| Noninterest expense to average assets | 4.0158% | 676 |
| Loan and lease loss provision to assets | 0.2742% | 566 |
| Net operating income to assets | 0.6019% | 4,284 |
| Return on assets (ROA) | 0.6074% | 4,349 |
| Pretax return on assets | 0.9407% | 3,740 |
| Return on Equity (ROE) | 6.9177% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.9177% | 2,042 |
| Net charge-offs to loans | 0.0051% | 3,145 |
| Credit loss provision to net charge-offs | 6,500.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 200 |
| Efficiency ratio | 76.8982% | 2,357 |
| Assets per employee ($millions) | 3.1536% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 3,797 |
| Loan loss allowance to noncurrent loans | 5,136.8421% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 5,832 |
| Noncurrent loans to loans | 0.0239% | 5,709 |
| Net loans and leases to total assets | 80.2747% | 658 |
| Net loans and leases to deposits | 102.9570% | 419 |
| Net loans and leases to core deposits | 115.8122% | 526 |
| Total domestic deposits to total assets | 77.9692% | 5,459 |
| Equity capital to assets | 8.9983% | 5,292 |
| Core capital (leverage) ratio | 9.4162% | 4,405 |
| Tier 1 risk-based capital ratio | 11.9793% | 5,253 |
| Total risk-based capital ratio | 13.2294% | 5,146 |
| Memoranda: | ||
| Average total assets | $94,826,500 | 4,696 |
| Average earning assets | $87,342,500 | 4,685 |
| Average equity | $8,326,500 | 5,135 |
| Average total loans | $78,835,000 | 3,934 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1378% | 586 |
| Cost of funding earning assets | 0.6192% | 1,610 |
| Net interest margin | 4.5186% | 720 |
| Noninterest income to average assets | 0.9828% | 1,252 |
| Noninterest expense to average assets | 4.2545% | 577 |
| Loan and lease loss provision to assets | 0.2675% | 816 |
| Net operating income to assets | 0.4072% | 5,199 |
| Return on assets (ROA) | 0.4224% | 5,217 |
| Pretax return on assets | 0.6439% | 4,801 |
| Return on Equity (ROE) | 5.1513% | 4,583 |
| Retained earnings to average equity (ytd only) | -2.2288% | 6,034 |
| Net charge-offs to loans | 0.0168% | 4,531 |
| Credit loss provision to net charge-offs | 1,841.6667% | 167 |
| Earnings coverage of net charge-offs (x) | 61.1667% | 779 |
| Efficiency ratio | 82.7253% | 1,564 |
| Assets per employee ($millions) | 3.0630% | 5,612 |
| Cash dividends to net income (ytd only)* | 143.2665% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 4,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,047 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 84.1256% | 337 |
| Net loans and leases to deposits | 108.3161% | 288 |
| Net loans and leases to core deposits | 123.8691% | 325 |
| Total domestic deposits to total assets | 77.6668% | 5,493 |
| Equity capital to assets | 8.5494% | 5,702 |
| Core capital (leverage) ratio | 8.7431% | 5,302 |
| Tier 1 risk-based capital ratio | 11.1816% | 5,829 |
| Total risk-based capital ratio | 12.4319% | 5,764 |
| Memoranda: | ||
| Average total assets | $82,619,200 | 5,001 |
| Average earning assets | $76,063,600 | 4,986 |
| Average equity | $6,775,000 | 5,460 |
| Average total loans | $71,508,400 | 4,136 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 593 |
| Cost of funding earning assets | 0.6421% | 1,512 |
| Net interest margin | 4.4966% | 739 |
| Noninterest income to average assets | 0.8999% | 1,523 |
| Noninterest expense to average assets | 4.2904% | 559 |
| Loan and lease loss provision to assets | 0.2690% | 784 |
| Net operating income to assets | 0.3036% | 5,563 |
| Return on assets (ROA) | 0.3238% | 5,584 |
| Pretax return on assets | 0.5114% | 5,297 |
| Return on Equity (ROE) | 3.9969% | 5,175 |
| Retained earnings to average equity (ytd only) | -6.2517% | 6,301 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1400% | 1,276 |
| Assets per employee ($millions) | 3.0534% | 5,674 |
| Cash dividends to net income (ytd only)* | 256.4137% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 4,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 6,167 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 84.4480% | 310 |
| Net loans and leases to deposits | 106.2053% | 320 |
| Net loans and leases to core deposits | 122.4708% | 339 |
| Total domestic deposits to total assets | 79.5139% | 5,217 |
| Equity capital to assets | 7.8726% | 6,188 |
| Core capital (leverage) ratio | 8.0411% | 6,041 |
| Tier 1 risk-based capital ratio | 10.3862% | 6,243 |
| Total risk-based capital ratio | 11.6368% | 6,201 |
| Memoranda: | ||
| Average total assets | $80,301,500 | 5,116 |
| Average earning assets | $73,920,250 | 5,102 |
| Average equity | $6,504,750 | 5,573 |
| Average total loans | $69,831,750 | 4,227 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 596 |
| Cost of funding earning assets | 0.6530% | 1,488 |
| Net interest margin | 4.4644% | 761 |
| Noninterest income to average assets | 0.8510% | 1,655 |
| Noninterest expense to average assets | 4.3764% | 513 |
| Loan and lease loss provision to assets | 0.2579% | 831 |
| Net operating income to assets | 0.2063% | 5,819 |
| Return on assets (ROA) | 0.2063% | 5,877 |
| Pretax return on assets | 0.3249% | 5,737 |
| Return on Equity (ROE) | 2.5200% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.5200% | 4,597 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2475% | 1,060 |
| Assets per employee ($millions) | 2.8265% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 4,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 6,229 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 85.6279% | 202 |
| Net loans and leases to deposits | 106.7497% | 275 |
| Net loans and leases to core deposits | 124.6699% | 291 |
| Total domestic deposits to total assets | 80.2137% | 5,193 |
| Equity capital to assets | 8.7256% | 5,595 |
| Core capital (leverage) ratio | 9.1949% | 4,751 |
| Tier 1 risk-based capital ratio | 11.4354% | 5,838 |
| Total risk-based capital ratio | 12.6786% | 5,794 |
| Memoranda: | ||
| Average total assets | $77,552,670 | 5,215 |
| Average earning assets | $71,365,330 | 5,196 |
| Average equity | $6,349,330 | 5,648 |
| Average total loans | $67,894,670 | 4,301 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 586 |
| Cost of funding earning assets | 0.6454% | 1,615 |
| Net interest margin | 4.4648% | 706 |
| Noninterest income to average assets | 0.8224% | 1,664 |
| Noninterest expense to average assets | 4.5394% | 441 |
| Loan and lease loss provision to assets | 0.1082% | 2,128 |
| Net operating income to assets | 0.1859% | 5,837 |
| Return on assets (ROA) | 0.1894% | 5,875 |
| Pretax return on assets | 0.2976% | 5,725 |
| Return on Equity (ROE) | 2.4036% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.4036% | 4,632 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8949% | 889 |
| Assets per employee ($millions) | 2.7386% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 5,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 6,304 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 87.1913% | 104 |
| Net loans and leases to deposits | 107.0325% | 211 |
| Net loans and leases to core deposits | 116.9576% | 384 |
| Total domestic deposits to total assets | 81.4624% | 5,108 |
| Equity capital to assets | 7.6198% | 6,268 |
| Core capital (leverage) ratio | 7.8830% | 6,187 |
| Tier 1 risk-based capital ratio | 9.2039% | 6,584 |
| Total risk-based capital ratio | 10.3430% | 6,584 |
| Memoranda: | ||
| Average total assets | $73,931,000 | 5,341 |
| Average earning assets | $68,178,500 | 5,311 |
| Average equity | $5,824,500 | 5,793 |
| Average total loans | $65,136,000 | 4,425 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 586 |
| Cost of funding earning assets | 0.6764% | 1,984 |
| Net interest margin | 4.5663% | 646 |
| Noninterest income to average assets | 1.4284% | 685 |
| Noninterest expense to average assets | 4.4122% | 567 |
| Loan and lease loss provision to assets | 0.1472% | 2,447 |
| Net operating income to assets | 0.6739% | 3,923 |
| Return on assets (ROA) | 0.6739% | 4,019 |
| Pretax return on assets | 1.0628% | 3,100 |
| Return on Equity (ROE) | 7.7317% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.7317% | 1,140 |
| Net charge-offs to loans | 0.0502% | 4,518 |
| Credit loss provision to net charge-offs | 339.2857% | 672 |
| Earnings coverage of net charge-offs (x) | 27.8929% | 1,256 |
| Efficiency ratio | 78.4789% | 2,389 |
| Assets per employee ($millions) | 2.6363% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 6,393 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 87.0835% | 113 |
| Net loans and leases to deposits | 108.8600% | 185 |
| Net loans and leases to core deposits | 121.7991% | 303 |
| Total domestic deposits to total assets | 79.9958% | 5,446 |
| Equity capital to assets | 8.1568% | 5,899 |
| Core capital (leverage) ratio | 8.3900% | 5,791 |
| Tier 1 risk-based capital ratio | 9.8767% | 6,543 |
| Total risk-based capital ratio | 11.0724% | 6,518 |
| Memoranda: | ||
| Average total assets | $64,548,800 | 5,635 |
| Average earning assets | $59,281,600 | 5,615 |
| Average equity | $5,626,200 | 5,897 |
| Average total loans | $55,776,200 | 4,759 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2730% | 553 |
| Cost of funding earning assets | 0.6787% | 2,106 |
| Net interest margin | 4.5942% | 623 |
| Noninterest income to average assets | 1.5709% | 595 |
| Noninterest expense to average assets | 4.2655% | 652 |
| Loan and lease loss provision to assets | 0.1908% | 1,920 |
| Net operating income to assets | 0.8395% | 3,142 |
| Return on assets (ROA) | 0.8395% | 3,273 |
| Pretax return on assets | 1.3335% | 2,196 |
| Return on Equity (ROE) | 9.4601% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.4601% | 918 |
| Net charge-offs to loans | 0.0222% | 4,685 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 79.8867% | 594 |
| Efficiency ratio | 73.6726% | 3,114 |
| Assets per employee ($millions) | 3.0760% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 4,554 |
| Loan loss allowance to noncurrent loans | 7,170.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 6,401 |
| Noncurrent loans to loans | 0.0177% | 6,299 |
| Net loans and leases to total assets | 86.4483% | 132 |
| Net loans and leases to deposits | 112.0266% | 132 |
| Net loans and leases to core deposits | 130.4591% | 185 |
| Total domestic deposits to total assets | 77.1677% | 6,027 |
| Equity capital to assets | 8.9261% | 5,271 |
| Core capital (leverage) ratio | 9.0262% | 5,088 |
| Tier 1 risk-based capital ratio | 10.9605% | 6,301 |
| Total risk-based capital ratio | 12.2092% | 6,264 |
| Memoranda: | ||
| Average total assets | $62,891,000 | 5,742 |
| Average earning assets | $57,752,250 | 5,723 |
| Average equity | $5,581,250 | 5,982 |
| Average total loans | $54,048,000 | 4,857 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2499% | 583 |
| Cost of funding earning assets | 0.7130% | 1,977 |
| Net interest margin | 4.5369% | 664 |
| Noninterest income to average assets | 1.4473% | 753 |
| Noninterest expense to average assets | 4.1654% | 727 |
| Loan and lease loss provision to assets | 0.0802% | 3,451 |
| Net operating income to assets | 0.8600% | 2,990 |
| Return on assets (ROA) | 0.8600% | 3,144 |
| Pretax return on assets | 1.3671% | 2,052 |
| Return on Equity (ROE) | 9.7107% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.7107% | 910 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2138% | 3,086 |
| Assets per employee ($millions) | 3.0298% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 4,974 |
| Loan loss allowance to noncurrent loans | 3,888.2353% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 6,398 |
| Noncurrent loans to loans | 0.0309% | 6,315 |
| Net loans and leases to total assets | 85.3095% | 172 |
| Net loans and leases to deposits | 106.7560% | 204 |
| Net loans and leases to core deposits | 122.6838% | 278 |
| Total domestic deposits to total assets | 79.9107% | 5,624 |
| Equity capital to assets | 8.8800% | 5,349 |
| Core capital (leverage) ratio | 8.8727% | 5,187 |
| Tier 1 risk-based capital ratio | 11.0141% | 6,326 |
| Total risk-based capital ratio | 12.2796% | 6,298 |
| Memoranda: | ||
| Average total assets | $62,322,330 | 5,794 |
| Average earning assets | $57,220,000 | 5,770 |
| Average equity | $5,519,670 | 6,036 |
| Average total loans | $53,210,670 | 4,907 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 529 |
| Cost of funding earning assets | 0.7535% | 1,819 |
| Net interest margin | 4.5278% | 646 |
| Noninterest income to average assets | 1.2453% | 985 |
| Noninterest expense to average assets | 4.3716% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6551% | 3,930 |
| Return on assets (ROA) | 0.6551% | 4,086 |
| Pretax return on assets | 1.0443% | 3,170 |
| Return on Equity (ROE) | 7.4067% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.4067% | 1,982 |
| Net charge-offs to loans | 0.0153% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 465 |
| Efficiency ratio | 80.7186% | 2,221 |
| Assets per employee ($millions) | 3.0300% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 5,272 |
| Loan loss allowance to noncurrent loans | 960.6061% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 6,225 |
| Noncurrent loans to loans | 0.1228% | 6,103 |
| Net loans and leases to total assets | 83.4748% | 212 |
| Net loans and leases to deposits | 104.0593% | 230 |
| Net loans and leases to core deposits | 123.0112% | 243 |
| Total domestic deposits to total assets | 80.2185% | 5,706 |
| Equity capital to assets | 8.6484% | 5,860 |
| Core capital (leverage) ratio | 8.8761% | 5,085 |
| Tier 1 risk-based capital ratio | 10.8308% | 6,474 |
| Total risk-based capital ratio | 12.0795% | 6,447 |
| Memoranda: | ||
| Average total assets | $61,670,500 | 5,872 |
| Average earning assets | $56,804,500 | 5,831 |
| Average equity | $5,454,500 | 6,114 |
| Average total loans | $52,346,000 | 4,972 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5696% | 545 |
| Cost of funding earning assets | 0.8858% | 2,023 |
| Net interest margin | 4.6839% | 670 |
| Noninterest income to average assets | 1.4356% | 761 |
| Noninterest expense to average assets | 4.5390% | 554 |
| Loan and lease loss provision to assets | 0.3706% | 1,767 |
| Net operating income to assets | 0.5615% | 4,422 |
| Return on assets (ROA) | 0.5615% | 4,679 |
| Pretax return on assets | 0.8909% | 3,954 |
| Return on Equity (ROE) | 5.7267% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,236 |
| Net charge-offs to loans | 0.3479% | 2,897 |
| Credit loss provision to net charge-offs | 128.5714% | 2,187 |
| Earnings coverage of net charge-offs (x) | 4.3766% | 3,390 |
| Efficiency ratio | 78.2510% | 2,404 |
| Assets per employee ($millions) | 2.7141% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 4,885 |
| Loan loss allowance to noncurrent loans | 3,975.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 6,557 |
| Noncurrent loans to loans | 0.0314% | 6,433 |
| Net loans and leases to total assets | 84.2508% | 203 |
| Net loans and leases to deposits | 107.3491% | 198 |
| Net loans and leases to core deposits | 126.6190% | 214 |
| Total domestic deposits to total assets | 78.4830% | 5,994 |
| Equity capital to assets | 9.0536% | 5,462 |
| Core capital (leverage) ratio | 9.4538% | 4,177 |
| Tier 1 risk-based capital ratio | 11.2659% | 6,236 |
| Total risk-based capital ratio | 12.5160% | 6,204 |
| Memoranda: | ||
| Average total assets | $53,426,200 | 6,107 |
| Average earning assets | $49,787,800 | 6,061 |
| Average equity | $5,238,600 | 6,228 |
| Average total loans | $44,269,000 | 5,316 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5968% | 560 |
| Cost of funding earning assets | 0.9186% | 2,053 |
| Net interest margin | 4.6782% | 701 |
| Noninterest income to average assets | 1.4065% | 756 |
| Noninterest expense to average assets | 4.5022% | 538 |
| Loan and lease loss provision to assets | 0.4448% | 1,416 |
| Net operating income to assets | 0.5322% | 4,695 |
| Return on assets (ROA) | 0.5322% | 4,967 |
| Pretax return on assets | 0.8459% | 4,318 |
| Return on Equity (ROE) | 5.3108% | 4,681 |
| Retained earnings to average equity (ytd only) | 5.3108% | 3,146 |
| Net charge-offs to loans | 0.0094% | 5,582 |
| Credit loss provision to net charge-offs | 5,766.6667% | 48 |
| Earnings coverage of net charge-offs (x) | 167.3300% | 263 |
| Efficiency ratio | 77.7186% | 2,430 |
| Assets per employee ($millions) | 2.5467% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 3,497 |
| Loan loss allowance to noncurrent loans | 145.9770% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 4,401 |
| Noncurrent loans to loans | 1.0998% | 4,226 |
| Net loans and leases to total assets | 83.3512% | 260 |
| Net loans and leases to deposits | 113.1244% | 119 |
| Net loans and leases to core deposits | 122.0341% | 277 |
| Total domestic deposits to total assets | 73.6810% | 6,623 |
| Equity capital to assets | 9.4863% | 5,221 |
| Core capital (leverage) ratio | 9.5522% | 4,193 |
| Tier 1 risk-based capital ratio | 12.0608% | 5,906 |
| Total risk-based capital ratio | 13.3173% | 5,885 |
| Memoranda: | ||
| Average total assets | $51,855,000 | 6,225 |
| Average earning assets | $48,621,500 | 6,176 |
| Average equity | $5,196,750 | 6,310 |
| Average total loans | $42,600,500 | 5,461 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5676% | 616 |
| Cost of funding earning assets | 0.9583% | 2,007 |
| Net interest margin | 4.6093% | 810 |
| Noninterest income to average assets | 1.3594% | 776 |
| Noninterest expense to average assets | 4.6053% | 504 |
| Loan and lease loss provision to assets | 0.2893% | 2,268 |
| Net operating income to assets | 0.4875% | 4,879 |
| Return on assets (ROA) | 0.4875% | 5,128 |
| Pretax return on assets | 0.7728% | 4,568 |
| Return on Equity (ROE) | 4.7699% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.7699% | 3,433 |
| Net charge-offs to loans | 0.0098% | 5,325 |
| Credit loss provision to net charge-offs | 3,650.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 333 |
| Efficiency ratio | 81.2587% | 1,995 |
| Assets per employee ($millions) | 2.5254% | 6,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 4,125 |
| Loan loss allowance to noncurrent loans | 99.5495% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.2113% | 3,993 |
| Noncurrent loans to loans | 1.4848% | 3,683 |
| Net loans and leases to total assets | 79.5389% | 561 |
| Net loans and leases to deposits | 109.2809% | 162 |
| Net loans and leases to core deposits | 121.4873% | 288 |
| Total domestic deposits to total assets | 72.7839% | 6,761 |
| Equity capital to assets | 9.4044% | 5,191 |
| Core capital (leverage) ratio | 9.9773% | 3,451 |
| Tier 1 risk-based capital ratio | 12.6086% | 5,489 |
| Total risk-based capital ratio | 13.8586% | 5,472 |
| Memoranda: | ||
| Average total assets | $50,464,000 | 6,311 |
| Average earning assets | $47,165,670 | 6,258 |
| Average equity | $5,157,330 | 6,349 |
| Average total loans | $40,980,000 | 5,554 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 678 |
| Cost of funding earning assets | 0.9928% | 2,024 |
| Net interest margin | 4.5706% | 867 |
| Noninterest income to average assets | 1.2856% | 858 |
| Noninterest expense to average assets | 4.7833% | 430 |
| Loan and lease loss provision to assets | 0.2087% | 2,862 |
| Net operating income to assets | 0.3506% | 5,477 |
| Return on assets (ROA) | 0.3506% | 5,652 |
| Pretax return on assets | 0.5593% | 5,242 |
| Return on Equity (ROE) | 3.2790% | 5,601 |
| Retained earnings to average equity (ytd only) | 3.2790% | 4,602 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1654% | 1,467 |
| Assets per employee ($millions) | 2.2747% | 7,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 4,114 |
| Loan loss allowance to noncurrent loans | 63.0879% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.9683% | 2,951 |
| Noncurrent loans to loans | 2.3906% | 2,716 |
| Net loans and leases to total assets | 80.5168% | 364 |
| Net loans and leases to deposits | 112.0370% | 110 |
| Net loans and leases to core deposits | 122.8295% | 275 |
| Total domestic deposits to total assets | 71.8662% | 6,888 |
| Equity capital to assets | 10.2792% | 3,753 |
| Core capital (leverage) ratio | 10.7828% | 2,459 |
| Tier 1 risk-based capital ratio | 13.6938% | 4,686 |
| Total risk-based capital ratio | 14.9472% | 4,662 |
| Memoranda: | ||
| Average total assets | $47,916,500 | 6,436 |
| Average earning assets | $44,720,500 | 6,372 |
| Average equity | $5,123,500 | 6,391 |
| Average total loans | $39,043,000 | 5,682 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 396 |
| Cost of funding earning assets | 0.9223% | 3,943 |
| Net interest margin | 5.1309% | 321 |
| Noninterest income to average assets | 1.4475% | 620 |
| Noninterest expense to average assets | 4.5933% | 536 |
| Loan and lease loss provision to assets | 0.1036% | 5,290 |
| Net operating income to assets | 0.9895% | 2,238 |
| Return on assets (ROA) | 0.9895% | 2,381 |
| Pretax return on assets | 1.5004% | 1,468 |
| Return on Equity (ROE) | 8.7737% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.7737% | 864 |
| Net charge-offs to loans | 0.0258% | 6,079 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 77.4444% | 380 |
| Efficiency ratio | 74.1181% | 3,220 |
| Assets per employee ($millions) | 2.2895% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,620 |
| Loan loss allowance to noncurrent loans | 62.6455% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.1358% | 2,808 |
| Noncurrent loans to loans | 2.5420% | 2,585 |
| Net loans and leases to total assets | 79.8952% | 505 |
| Net loans and leases to deposits | 113.3017% | 127 |
| Net loans and leases to core deposits | 122.0239% | 320 |
| Total domestic deposits to total assets | 70.5154% | 6,961 |
| Equity capital to assets | 11.1444% | 2,848 |
| Core capital (leverage) ratio | 11.3232% | 2,024 |
| Tier 1 risk-based capital ratio | 14.8366% | 3,735 |
| Total risk-based capital ratio | 16.0918% | 3,707 |
| Memoranda: | ||
| Average total assets | $43,455,000 | 6,555 |
| Average earning assets | $40,227,200 | 6,519 |
| Average equity | $4,901,000 | 6,477 |
| Average total loans | $34,916,200 | 5,918 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0520% | 419 |
| Cost of funding earning assets | 0.9044% | 4,366 |
| Net interest margin | 5.1475% | 312 |
| Noninterest income to average assets | 1.3435% | 724 |
| Noninterest expense to average assets | 4.4131% | 625 |
| Loan and lease loss provision to assets | 0.1244% | 4,874 |
| Net operating income to assets | 1.0294% | 2,214 |
| Return on assets (ROA) | 1.0294% | 2,376 |
| Pretax return on assets | 1.5674% | 1,468 |
| Return on Equity (ROE) | 9.0984% | 2,553 |
| Retained earnings to average equity (ytd only) | 9.0984% | 1,112 |
| Net charge-offs to loans | 0.0349% | 5,658 |
| Credit loss provision to net charge-offs | 444.4444% | 627 |
| Earnings coverage of net charge-offs (x) | 60.4433% | 547 |
| Efficiency ratio | 72.2873% | 3,497 |
| Assets per employee ($millions) | 2.3455% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 3,547 |
| Loan loss allowance to noncurrent loans | 61.7895% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 2,861 |
| Noncurrent loans to loans | 2.6314% | 2,637 |
| Net loans and leases to total assets | 79.6948% | 545 |
| Net loans and leases to deposits | 108.2079% | 205 |
| Net loans and leases to core deposits | 119.5101% | 402 |
| Total domestic deposits to total assets | 73.6497% | 6,796 |
| Equity capital to assets | 11.2420% | 2,921 |
| Core capital (leverage) ratio | 11.5580% | 1,985 |
| Tier 1 risk-based capital ratio | 14.9931% | 3,662 |
| Total risk-based capital ratio | 16.2505% | 3,629 |
| Memoranda: | ||
| Average total assets | $42,871,250 | 6,631 |
| Average earning assets | $39,655,500 | 6,604 |
| Average equity | $4,850,500 | 6,547 |
| Average total loans | $34,351,250 | 6,004 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0192% | 467 |
| Cost of funding earning assets | 0.8781% | 4,839 |
| Net interest margin | 5.1411% | 312 |
| Noninterest income to average assets | 1.3993% | 652 |
| Noninterest expense to average assets | 4.3208% | 730 |
| Loan and lease loss provision to assets | 0.1182% | 4,795 |
| Net operating income to assets | 1.1109% | 1,839 |
| Return on assets (ROA) | 1.1109% | 1,928 |
| Pretax return on assets | 1.7208% | 1,011 |
| Return on Equity (ROE) | 9.7971% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.7971% | 898 |
| Net charge-offs to loans | 0.0533% | 5,117 |
| Credit loss provision to net charge-offs | 277.7778% | 1,095 |
| Earnings coverage of net charge-offs (x) | 43.2222% | 705 |
| Efficiency ratio | 70.1458% | 4,091 |
| Assets per employee ($millions) | 2.3379% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 3,396 |
| Loan loss allowance to noncurrent loans | 60.7864% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.3525% | 2,801 |
| Noncurrent loans to loans | 2.7594% | 2,641 |
| Net loans and leases to total assets | 79.6754% | 563 |
| Net loans and leases to deposits | 110.6166% | 167 |
| Net loans and leases to core deposits | 120.3093% | 413 |
| Total domestic deposits to total assets | 72.0284% | 7,003 |
| Equity capital to assets | 11.6677% | 2,352 |
| Core capital (leverage) ratio | 11.6694% | 1,800 |
| Tier 1 risk-based capital ratio | 15.2497% | 3,373 |
| Total risk-based capital ratio | 16.5067% | 3,329 |
| Memoranda: | ||
| Average total assets | $42,306,670 | 6,712 |
| Average earning assets | $39,174,330 | 6,678 |
| Average equity | $4,797,330 | 6,603 |
| Average total loans | $33,767,330 | 6,088 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0277% | 448 |
| Cost of funding earning assets | 0.8582% | 5,225 |
| Net interest margin | 5.1695% | 266 |
| Noninterest income to average assets | 1.3390% | 721 |
| Noninterest expense to average assets | 4.1114% | 910 |
| Loan and lease loss provision to assets | 0.0943% | 4,833 |
| Net operating income to assets | 1.1787% | 1,572 |
| Return on assets (ROA) | 1.1787% | 1,625 |
| Pretax return on assets | 1.9048% | 673 |
| Return on Equity (ROE) | 10.5463% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.5463% | 983 |
| Net charge-offs to loans | 0.1071% | 3,887 |
| Credit loss provision to net charge-offs | 111.1111% | 2,408 |
| Earnings coverage of net charge-offs (x) | 23.5556% | 1,014 |
| Efficiency ratio | 67.2840% | 4,790 |
| Assets per employee ($millions) | 2.6093% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 3,485 |
| Loan loss allowance to noncurrent loans | 59.0668% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.8552% | 2,413 |
| Noncurrent loans to loans | 2.8109% | 2,685 |
| Net loans and leases to total assets | 79.0241% | 618 |
| Net loans and leases to deposits | 107.5326% | 224 |
| Net loans and leases to core deposits | 116.8319% | 507 |
| Total domestic deposits to total assets | 73.4886% | 6,950 |
| Equity capital to assets | 11.5071% | 2,258 |
| Core capital (leverage) ratio | 11.3538% | 1,929 |
| Tier 1 risk-based capital ratio | 15.1017% | 3,373 |
| Total risk-based capital ratio | 16.3562% | 3,329 |
| Memoranda: | ||
| Average total assets | $42,419,000 | 6,743 |
| Average earning assets | $39,152,500 | 6,714 |
| Average equity | $4,741,000 | 6,634 |
| Average total loans | $33,600,500 | 6,149 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1591% | 622 |
| Cost of funding earning assets | 0.9750% | 5,817 |
| Net interest margin | 5.1842% | 291 |
| Noninterest income to average assets | 1.1550% | 1,109 |
| Noninterest expense to average assets | 4.6859% | 553 |
| Loan and lease loss provision to assets | 0.2365% | 4,920 |
| Net operating income to assets | 0.9754% | 2,124 |
| Return on assets (ROA) | 0.9754% | 2,236 |
| Pretax return on assets | 1.0322% | 2,832 |
| Return on Equity (ROE) | 9.6266% | 2,063 |
| Retained earnings to average equity (ytd only) | 9.6266% | 583 |
| Net charge-offs to loans | 0.5970% | 3,241 |
| Credit loss provision to net charge-offs | 49.0566% | 6,274 |
| Earnings coverage of net charge-offs (x) | 2.6321% | 3,786 |
| Efficiency ratio | 78.6942% | 2,579 |
| Assets per employee ($millions) | 2.5347% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,401 |
| Loan loss allowance to noncurrent loans | 55.0050% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.8220% | 2,480 |
| Noncurrent loans to loans | 2.9982% | 2,554 |
| Net loans and leases to total assets | 76.8113% | 1,127 |
| Net loans and leases to deposits | 104.8965% | 365 |
| Net loans and leases to core deposits | 119.3753% | 550 |
| Total domestic deposits to total assets | 73.2258% | 6,979 |
| Equity capital to assets | 10.8563% | 2,811 |
| Core capital (leverage) ratio | 10.8301% | 2,287 |
| Tier 1 risk-based capital ratio | 14.5837% | 3,490 |
| Total risk-based capital ratio | 15.8404% | 3,448 |
| Memoranda: | ||
| Average total assets | $43,983,400 | 6,734 |
| Average earning assets | $40,720,000 | 6,688 |
| Average equity | $4,456,400 | 6,833 |
| Average total loans | $35,508,000 | 6,138 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1516% | 678 |
| Cost of funding earning assets | 0.9960% | 5,955 |
| Net interest margin | 5.1556% | 323 |
| Noninterest income to average assets | 1.0978% | 1,173 |
| Noninterest expense to average assets | 4.4004% | 662 |
| Loan and lease loss provision to assets | 0.3137% | 4,071 |
| Net operating income to assets | 1.0797% | 1,967 |
| Return on assets (ROA) | 1.0797% | 2,077 |
| Pretax return on assets | 1.1612% | 2,632 |
| Return on Equity (ROE) | 10.8457% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.8457% | 626 |
| Net charge-offs to loans | 0.4967% | 3,290 |
| Credit loss provision to net charge-offs | 77.6119% | 5,207 |
| Earnings coverage of net charge-offs (x) | 3.6493% | 3,356 |
| Efficiency ratio | 74.8973% | 3,163 |
| Assets per employee ($millions) | 2.5308% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 2,697 |
| Loan loss allowance to noncurrent loans | 47.1684% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 4.0071% | 1,745 |
| Noncurrent loans to loans | 3.8728% | 1,963 |
| Net loans and leases to total assets | 79.0698% | 874 |
| Net loans and leases to deposits | 106.0079% | 364 |
| Net loans and leases to core deposits | 122.5248% | 543 |
| Total domestic deposits to total assets | 74.5886% | 6,846 |
| Equity capital to assets | 10.7452% | 3,233 |
| Core capital (leverage) ratio | 10.3731% | 2,836 |
| Tier 1 risk-based capital ratio | 14.0103% | 3,826 |
| Total risk-based capital ratio | 15.2700% | 3,788 |
| Memoranda: | ||
| Average total assets | $44,206,750 | 6,810 |
| Average earning assets | $40,964,000 | 6,761 |
| Average equity | $4,401,000 | 6,942 |
| Average total loans | $35,971,750 | 6,205 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0872% | 776 |
| Cost of funding earning assets | 1.0452% | 5,938 |
| Net interest margin | 5.0420% | 386 |
| Noninterest income to average assets | 0.9820% | 1,431 |
| Noninterest expense to average assets | 4.3452% | 684 |
| Loan and lease loss provision to assets | 0.4664% | 2,985 |
| Net operating income to assets | 0.7623% | 3,138 |
| Return on assets (ROA) | 0.7623% | 3,293 |
| Pretax return on assets | 0.8430% | 3,734 |
| Return on Equity (ROE) | 7.8576% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.8576% | 1,490 |
| Net charge-offs to loans | 0.7415% | 2,381 |
| Credit loss provision to net charge-offs | 77.0370% | 4,785 |
| Earnings coverage of net charge-offs (x) | 2.1630% | 3,938 |
| Efficiency ratio | 76.8438% | 2,926 |
| Assets per employee ($millions) | 2.4439% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 2,911 |
| Loan loss allowance to noncurrent loans | 49.6075% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 4.0373% | 1,708 |
| Noncurrent loans to loans | 3.5210% | 2,242 |
| Net loans and leases to total assets | 80.8161% | 688 |
| Net loans and leases to deposits | 118.6457% | 142 |
| Net loans and leases to core deposits | 128.2874% | 454 |
| Total domestic deposits to total assets | 68.1155% | 7,425 |
| Equity capital to assets | 10.0523% | 3,950 |
| Core capital (leverage) ratio | 9.8361% | 3,357 |
| Tier 1 risk-based capital ratio | 12.7629% | 4,638 |
| Total risk-based capital ratio | 14.0182% | 4,597 |
| Memoranda: | ||
| Average total assets | $44,601,000 | 6,847 |
| Average earning assets | $41,332,670 | 6,801 |
| Average equity | $4,327,000 | 7,004 |
| Average total loans | $36,411,670 | 6,226 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0511% | 883 |
| Cost of funding earning assets | 1.1159% | 5,826 |
| Net interest margin | 4.9352% | 480 |
| Noninterest income to average assets | 1.0065% | 1,283 |
| Noninterest expense to average assets | 4.3379% | 689 |
| Loan and lease loss provision to assets | 0.5255% | 2,397 |
| Net operating income to assets | 0.6324% | 3,744 |
| Return on assets (ROA) | 0.6324% | 3,868 |
| Pretax return on assets | 0.7126% | 4,190 |
| Return on Equity (ROE) | 6.6363% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.6363% | 2,306 |
| Net charge-offs to loans | 1.4784% | 1,169 |
| Credit loss provision to net charge-offs | 43.7037% | 4,579 |
| Earnings coverage of net charge-offs (x) | 1.0296% | 4,153 |
| Efficiency ratio | 77.7955% | 2,930 |
| Assets per employee ($millions) | 2.8350% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,373 |
| Loan loss allowance to noncurrent loans | 118.3468% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 2.0459% | 3,445 |
| Noncurrent loans to loans | 1.3662% | 4,692 |
| Net loans and leases to total assets | 78.7412% | 1,019 |
| Net loans and leases to deposits | 113.9735% | 213 |
| Net loans and leases to core deposits | 122.7979% | 679 |
| Total domestic deposits to total assets | 69.0873% | 7,468 |
| Equity capital to assets | 9.5150% | 4,512 |
| Core capital (leverage) ratio | 9.5157% | 3,744 |
| Tier 1 risk-based capital ratio | 12.2075% | 4,984 |
| Total risk-based capital ratio | 13.4616% | 4,953 |
| Memoranda: | ||
| Average total assets | $44,906,500 | 6,916 |
| Average earning assets | $41,579,000 | 6,878 |
| Average equity | $4,279,500 | 7,082 |
| Average total loans | $36,526,000 | 6,278 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4486% | 738 |
| Cost of funding earning assets | 2.0261% | 2,838 |
| Net interest margin | 4.4225% | 1,369 |
| Noninterest income to average assets | 0.9247% | 1,847 |
| Noninterest expense to average assets | 3.8458% | 1,610 |
| Loan and lease loss provision to assets | 0.6395% | 3,244 |
| Net operating income to assets | 0.4316% | 4,001 |
| Return on assets (ROA) | 0.5214% | 3,736 |
| Pretax return on assets | 0.6172% | 3,859 |
| Return on Equity (ROE) | 5.6475% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.4062% | 1,620 |
| Net charge-offs to loans | 0.2139% | 5,287 |
| Credit loss provision to net charge-offs | 372.7273% | 854 |
| Earnings coverage of net charge-offs (x) | 6.7013% | 2,308 |
| Efficiency ratio | 76.9848% | 3,362 |
| Assets per employee ($millions) | 2.4696% | 7,247 |
| Cash dividends to net income (ytd only)* | 4.2735% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 2,530 |
| Loan loss allowance to noncurrent loans | 105.0713% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.6377% | 3,917 |
| Noncurrent loans to loans | 1.7171% | 4,063 |
| Net loans and leases to total assets | 81.1756% | 815 |
| Net loans and leases to deposits | 119.2735% | 184 |
| Net loans and leases to core deposits | 144.4093% | 656 |
| Total domestic deposits to total assets | 68.0584% | 7,547 |
| Equity capital to assets | 9.5449% | 4,360 |
| Core capital (leverage) ratio | 9.2767% | 4,007 |
| Tier 1 risk-based capital ratio | 12.1001% | 4,849 |
| Total risk-based capital ratio | 13.3609% | 4,810 |
| Memoranda: | ||
| Average total assets | $44,880,000 | 6,917 |
| Average earning assets | $41,311,200 | 6,894 |
| Average equity | $4,143,400 | 7,236 |
| Average total loans | $36,000,400 | 6,309 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4561% | 830 |
| Cost of funding earning assets | 2.1574% | 2,611 |
| Net interest margin | 4.2987% | 1,735 |
| Noninterest income to average assets | 0.9217% | 1,895 |
| Noninterest expense to average assets | 3.8825% | 1,456 |
| Loan and lease loss provision to assets | 0.6728% | 2,722 |
| Net operating income to assets | 0.2875% | 4,833 |
| Return on assets (ROA) | 0.3171% | 4,839 |
| Pretax return on assets | 0.3497% | 4,932 |
| Return on Equity (ROE) | 3.4639% | 4,594 |
| Retained earnings to average equity (ytd only) | 3.1402% | 3,562 |
| Net charge-offs to loans | 0.2755% | 4,322 |
| Credit loss provision to net charge-offs | 306.7568% | 1,345 |
| Earnings coverage of net charge-offs (x) | 4.5137% | 3,114 |
| Efficiency ratio | 79.6837% | 2,903 |
| Assets per employee ($millions) | 2.6312% | 6,985 |
| Cash dividends to net income (ytd only)* | 9.3439% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 2,800 |
| Loan loss allowance to noncurrent loans | 84.8739% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 3,958 |
| Noncurrent loans to loans | 1.9467% | 3,711 |
| Net loans and leases to total assets | 80.6416% | 1,054 |
| Net loans and leases to deposits | 112.3917% | 375 |
| Net loans and leases to core deposits | 142.1069% | 834 |
| Total domestic deposits to total assets | 71.7505% | 7,240 |
| Equity capital to assets | 9.2980% | 5,039 |
| Core capital (leverage) ratio | 9.0482% | 4,580 |
| Tier 1 risk-based capital ratio | 11.9077% | 5,054 |
| Total risk-based capital ratio | 13.1637% | 4,987 |
| Memoranda: | ||
| Average total assets | $44,986,750 | 6,964 |
| Average earning assets | $41,344,750 | 6,941 |
| Average equity | $4,118,500 | 7,317 |
| Average total loans | $35,813,500 | 6,362 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4489% | 918 |
| Cost of funding earning assets | 2.2744% | 2,469 |
| Net interest margin | 4.1745% | 2,080 |
| Noninterest income to average assets | 0.8830% | 2,051 |
| Noninterest expense to average assets | 3.8338% | 1,603 |
| Loan and lease loss provision to assets | 0.5325% | 2,899 |
| Net operating income to assets | 0.3062% | 4,868 |
| Return on assets (ROA) | 0.3062% | 4,982 |
| Pretax return on assets | 0.3284% | 5,136 |
| Return on Equity (ROE) | 3.3618% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.3618% | 3,453 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6635% | 2,767 |
| Assets per employee ($millions) | 2.6661% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 2,673 |
| Loan loss allowance to noncurrent loans | 69.0361% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 2.0078% | 3,187 |
| Noncurrent loans to loans | 2.3415% | 3,088 |
| Net loans and leases to total assets | 76.9455% | 1,962 |
| Net loans and leases to deposits | 110.0091% | 551 |
| Net loans and leases to core deposits | 142.7566% | 903 |
| Total domestic deposits to total assets | 69.9446% | 7,479 |
| Equity capital to assets | 9.1234% | 5,132 |
| Core capital (leverage) ratio | 8.7275% | 5,043 |
| Tier 1 risk-based capital ratio | 11.4703% | 5,415 |
| Total risk-based capital ratio | 12.7250% | 5,329 |
| Memoranda: | ||
| Average total assets | $45,072,330 | 7,016 |
| Average earning assets | $41,154,330 | 7,005 |
| Average equity | $4,105,000 | 7,378 |
| Average total loans | $35,525,670 | 6,434 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3625% | 1,154 |
| Cost of funding earning assets | 2.2723% | 2,827 |
| Net interest margin | 4.0902% | 2,314 |
| Noninterest income to average assets | 0.8187% | 2,240 |
| Noninterest expense to average assets | 3.6131% | 1,837 |
| Loan and lease loss provision to assets | 0.8899% | 1,469 |
| Net operating income to assets | 0.0712% | 6,063 |
| Return on assets (ROA) | 0.0712% | 6,223 |
| Pretax return on assets | 0.0801% | 6,209 |
| Return on Equity (ROE) | 0.7824% | 6,195 |
| Retained earnings to average equity (ytd only) | 0.7824% | 5,348 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8350% | 3,026 |
| Assets per employee ($millions) | 2.7679% | 6,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 2,847 |
| Loan loss allowance to noncurrent loans | 79.6830% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 3,443 |
| Noncurrent loans to loans | 1.9117% | 3,392 |
| Net loans and leases to total assets | 75.9749% | 2,279 |
| Net loans and leases to deposits | 113.2799% | 470 |
| Net loans and leases to core deposits | 149.5128% | 725 |
| Total domestic deposits to total assets | 67.0683% | 7,666 |
| Equity capital to assets | 8.6835% | 5,794 |
| Core capital (leverage) ratio | 8.8822% | 4,878 |
| Tier 1 risk-based capital ratio | 11.2360% | 5,661 |
| Total risk-based capital ratio | 12.4898% | 5,569 |
| Memoranda: | ||
| Average total assets | $44,947,000 | 7,064 |
| Average earning assets | $41,367,500 | 7,043 |
| Average equity | $4,090,000 | 7,423 |
| Average total loans | $35,565,000 | 6,462 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3695% | 524 |
| Cost of funding earning assets | 2.7742% | 2,810 |
| Net interest margin | 4.5953% | 1,192 |
| Noninterest income to average assets | 0.9277% | 1,865 |
| Noninterest expense to average assets | 4.3115% | 1,033 |
| Loan and lease loss provision to assets | 0.2263% | 4,626 |
| Net operating income to assets | 0.6008% | 4,298 |
| Return on assets (ROA) | 0.6008% | 4,162 |
| Pretax return on assets | 0.6084% | 4,667 |
| Return on Equity (ROE) | 6.0638% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.8101% | 1,614 |
| Net charge-offs to loans | 0.0915% | 5,424 |
| Credit loss provision to net charge-offs | 300.0000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 11.0667% | 2,416 |
| Efficiency ratio | 83.7811% | 2,080 |
| Assets per employee ($millions) | 2.5199% | 7,175 |
| Cash dividends to net income (ytd only)* | 4.1841% | 4,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 3,775 |
| Loan loss allowance to noncurrent loans | 2,157.1429% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 6,629 |
| Noncurrent loans to loans | 0.0603% | 7,266 |
| Net loans and leases to total assets | 80.2400% | 1,604 |
| Net loans and leases to deposits | 128.2564% | 236 |
| Net loans and leases to core deposits | 156.8300% | 649 |
| Total domestic deposits to total assets | 62.5622% | 7,859 |
| Equity capital to assets | 9.5567% | 4,602 |
| Core capital (leverage) ratio | 9.4254% | 4,120 |
| Tier 1 risk-based capital ratio | 11.5096% | 5,234 |
| Total risk-based capital ratio | 12.7590% | 5,126 |
| Memoranda: | ||
| Average total assets | $39,777,600 | 7,222 |
| Average earning assets | $36,515,200 | 7,211 |
| Average equity | $3,941,400 | 7,533 |
| Average total loans | $32,796,600 | 6,563 |