Home > Holladay Bank & Trust > Performance and Condition Ratios
Holladay Bank & Trust, 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 | 5.7963% | 840 |
| Cost of funding earning assets | 1.5524% | 1,805 |
| Net interest margin | 4.2439% | 887 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.6148% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5667% | 3,522 |
| Return on assets (ROA) | 0.5667% | 3,512 |
| Pretax return on assets | 0.7230% | 3,391 |
| Return on Equity (ROE) | 3.2300% | 3,987 |
| Retained earnings to average equity (ytd only) | 0.5844% | 3,938 |
| Net charge-offs to loans | -0.0563% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.3333% | 697 |
| Assets per employee ($millions) | 6.1857% | 2,657 |
| Cash dividends to net income (ytd only)* | 81.8942% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 532 |
| Loan loss allowance to noncurrent loans | 2,756.2500% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 3,248 |
| Noncurrent loans to loans | 0.0655% | 3,245 |
| Net loans and leases to total assets | 77.5200% | 913 |
| Net loans and leases to deposits | 95.8485% | 799 |
| Net loans and leases to core deposits | 104.2865% | 1,204 |
| Total domestic deposits to total assets | 80.8800% | 3,326 |
| Equity capital to assets | 17.9947% | 348 |
| Core capital (leverage) ratio | 18.3181% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $63,351,000 | 4,178 |
| Average earning assets | $60,486,600 | 4,131 |
| Average equity | $11,122,600 | 3,609 |
| Average total loans | $46,145,600 | 3,897 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 1,468 |
| Cost of funding earning assets | 1.4456% | 1,745 |
| Net interest margin | 3.7475% | 1,693 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 3.4439% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3536% | 4,042 |
| Return on assets (ROA) | 0.3536% | 4,046 |
| Pretax return on assets | 0.4687% | 3,957 |
| Return on Equity (ROE) | 2.0300% | 4,194 |
| Retained earnings to average equity (ytd only) | 0.0719% | 4,097 |
| Net charge-offs to loans | -0.0997% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.0214% | 441 |
| Assets per employee ($millions) | 6.1891% | 2,581 |
| Cash dividends to net income (ytd only)* | 96.4497% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 435 |
| Loan loss allowance to noncurrent loans | 2,781.2500% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 3,289 |
| Noncurrent loans to loans | 0.0697% | 3,261 |
| Net loans and leases to total assets | 72.7500% | 1,495 |
| Net loans and leases to deposits | 89.6432% | 1,259 |
| Net loans and leases to core deposits | 94.8835% | 1,625 |
| Total domestic deposits to total assets | 81.1600% | 3,357 |
| Equity capital to assets | 17.8588% | 351 |
| Core capital (leverage) ratio | 17.4600% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $63,724,500 | 4,192 |
| Average earning assets | $60,874,750 | 4,146 |
| Average equity | $11,120,500 | 3,606 |
| Average total loans | $45,473,250 | 3,915 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 2,961 |
| Cost of funding earning assets | 1.2867% | 1,748 |
| Net interest margin | 3.0835% | 3,261 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 3.3232% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0528% | 4,391 |
| Return on assets (ROA) | 0.0528% | 4,424 |
| Pretax return on assets | 0.0528% | 4,422 |
| Return on Equity (ROE) | 0.3100% | 4,417 |
| Retained earnings to average equity (ytd only) | 0.3051% | 4,021 |
| Net charge-offs to loans | -0.1456% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 98.4346% | 192 |
| Assets per employee ($millions) | 5.7043% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9817% | 431 |
| Loan loss allowance to noncurrent loans | 2,870.9677% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,283 |
| Noncurrent loans to loans | 0.0690% | 3,203 |
| Net loans and leases to total assets | 70.1500% | 1,725 |
| Net loans and leases to deposits | 86.1414% | 1,493 |
| Net loans and leases to core deposits | 92.5140% | 1,651 |
| Total domestic deposits to total assets | 81.4400% | 3,350 |
| Equity capital to assets | 17.6407% | 356 |
| Core capital (leverage) ratio | 17.8791% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $64,335,667 | 4,204 |
| Average earning assets | $61,552,667 | 4,163 |
| Average equity | $11,143,000 | 3,621 |
| Average total loans | $45,325,667 | 3,933 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2159% | 245 |
| Cost of funding earning assets | 1.1150% | 1,717 |
| Net interest margin | 5.1008% | 256 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.1445% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5047% | 1,180 |
| Return on assets (ROA) | 1.5047% | 1,154 |
| Pretax return on assets | 2.0574% | 702 |
| Return on Equity (ROE) | 8.7700% | 3,112 |
| Retained earnings to average equity (ytd only) | 8.7657% | 2,012 |
| Net charge-offs to loans | -0.2987% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.4486% | 2,903 |
| Assets per employee ($millions) | 5.6543% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 463 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.1200% | 1,508 |
| Net loans and leases to deposits | 88.0697% | 1,200 |
| Net loans and leases to core deposits | 94.1248% | 1,387 |
| Total domestic deposits to total assets | 80.7500% | 3,671 |
| Equity capital to assets | 18.1777% | 294 |
| Core capital (leverage) ratio | 17.6107% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $65,130,000 | 4,252 |
| Average earning assets | $62,421,000 | 4,214 |
| Average equity | $11,180,000 | 3,656 |
| Average total loans | $45,533,500 | 3,968 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 417 |
| Cost of funding earning assets | 0.4976% | 1,404 |
| Net interest margin | 4.3214% | 403 |
| Noninterest income to average assets | 1.2300% | 451 |
| Noninterest expense to average assets | 3.2090% | 711 |
| Loan and lease loss provision to assets | -0.2400% | 4,645 |
| Net operating income to assets | 1.8062% | 439 |
| Return on assets (ROA) | 1.8062% | 423 |
| Pretax return on assets | 2.3705% | 245 |
| Return on Equity (ROE) | 11.9300% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.4522% | 1,332 |
| Net charge-offs to loans | -0.0044% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.1453% | 3,039 |
| Assets per employee ($millions) | 6.8063% | 2,111 |
| Cash dividends to net income (ytd only)* | 20.7472% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 576 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.2400% | 2,011 |
| Net loans and leases to deposits | 79.8721% | 1,780 |
| Net loans and leases to core deposits | 84.6831% | 1,833 |
| Total domestic deposits to total assets | 82.9400% | 3,434 |
| Equity capital to assets | 16.2585% | 374 |
| Core capital (leverage) ratio | 16.5040% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $69,647,800 | 4,231 |
| Average earning assets | $66,113,200 | 4,198 |
| Average equity | $10,547,800 | 3,806 |
| Average total loans | $45,057,400 | 3,975 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 455 |
| Cost of funding earning assets | 0.4081% | 1,229 |
| Net interest margin | 4.1538% | 464 |
| Noninterest income to average assets | 1.5400% | 350 |
| Noninterest expense to average assets | 3.2303% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8597% | 379 |
| Return on assets (ROA) | 1.8597% | 369 |
| Pretax return on assets | 2.2404% | 301 |
| Return on Equity (ROE) | 12.5000% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.8397% | 1,094 |
| Net charge-offs to loans | -0.0059% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.0466% | 3,237 |
| Assets per employee ($millions) | 6.9128% | 2,010 |
| Cash dividends to net income (ytd only)* | 13.3060% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 348 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.2100% | 1,864 |
| Net loans and leases to deposits | 79.4456% | 1,608 |
| Net loans and leases to core deposits | 84.5497% | 1,617 |
| Total domestic deposits to total assets | 83.3400% | 3,637 |
| Equity capital to assets | 15.7736% | 387 |
| Core capital (leverage) ratio | 16.1758% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $70,044,000 | 4,261 |
| Average earning assets | $66,315,500 | 4,223 |
| Average equity | $10,418,250 | 3,870 |
| Average total loans | $44,835,750 | 4,004 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 449 |
| Cost of funding earning assets | 0.3527% | 1,236 |
| Net interest margin | 4.0332% | 464 |
| Noninterest income to average assets | 0.5430% | 1,977 |
| Noninterest expense to average assets | 3.1301% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8586% | 2,741 |
| Return on assets (ROA) | 0.8586% | 2,718 |
| Pretax return on assets | 1.2168% | 2,019 |
| Return on Equity (ROE) | 5.8890% | 3,602 |
| Retained earnings to average equity (ytd only) | 5.8890% | 2,368 |
| Net charge-offs to loans | -0.0045% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0078% | 1,728 |
| Assets per employee ($millions) | 6.1122% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3888% | 294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.2959% | 2,090 |
| Net loans and leases to deposits | 74.4856% | 1,808 |
| Net loans and leases to core deposits | 80.1408% | 1,707 |
| Total domestic deposits to total assets | 83.6348% | 3,766 |
| Equity capital to assets | 15.4401% | 373 |
| Core capital (leverage) ratio | 15.2127% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,349,333 | 4,304 |
| Average earning assets | $66,349,000 | 4,285 |
| Average equity | $10,256,333 | 3,954 |
| Average total loans | $44,182,000 | 4,068 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 398 |
| Cost of funding earning assets | 0.3355% | 1,319 |
| Net interest margin | 4.0322% | 392 |
| Noninterest income to average assets | 0.4784% | 2,252 |
| Noninterest expense to average assets | 2.9538% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9568% | 2,044 |
| Return on assets (ROA) | 0.9568% | 2,040 |
| Pretax return on assets | 1.3351% | 1,425 |
| Return on Equity (ROE) | 6.7491% | 3,116 |
| Retained earnings to average equity (ytd only) | 6.7491% | 1,980 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8716% | 2,386 |
| Assets per employee ($millions) | 7.7130% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3411% | 347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.5354% | 1,911 |
| Net loans and leases to deposits | 73.1063% | 1,686 |
| Net loans and leases to core deposits | 78.2860% | 1,592 |
| Total domestic deposits to total assets | 84.1725% | 3,732 |
| Equity capital to assets | 14.7788% | 420 |
| Core capital (leverage) ratio | 14.5798% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,907,000 | 4,318 |
| Average earning assets | $67,953,500 | 4,292 |
| Average equity | $10,194,000 | 4,033 |
| Average total loans | $44,818,500 | 4,063 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 318 |
| Cost of funding earning assets | 0.3834% | 1,655 |
| Net interest margin | 4.4880% | 282 |
| Noninterest income to average assets | 0.1669% | 4,322 |
| Noninterest expense to average assets | 2.5910% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3959% | 1,289 |
| Return on assets (ROA) | 1.3959% | 1,345 |
| Pretax return on assets | 1.8301% | 854 |
| Return on Equity (ROE) | 9.6293% | 2,666 |
| Retained earnings to average equity (ytd only) | 0.0780% | 4,464 |
| Net charge-offs to loans | -0.0139% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6052% | 3,345 |
| Assets per employee ($millions) | 8.2663% | 1,188 |
| Cash dividends to net income (ytd only)* | 99.1895% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2311% | 428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.3156% | 2,128 |
| Net loans and leases to deposits | 70.5129% | 2,075 |
| Net loans and leases to core deposits | 75.0472% | 1,998 |
| Total domestic deposits to total assets | 85.5384% | 3,074 |
| Equity capital to assets | 13.6148% | 735 |
| Core capital (leverage) ratio | 14.1803% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,706,200 | 4,333 |
| Average earning assets | $67,023,400 | 4,299 |
| Average equity | $10,250,000 | 4,097 |
| Average total loans | $43,012,000 | 4,129 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 375 |
| Cost of funding earning assets | 0.4010% | 1,690 |
| Net interest margin | 4.4556% | 338 |
| Noninterest income to average assets | 0.0860% | 4,719 |
| Noninterest expense to average assets | 2.5774% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2266% | 2,078 |
| Return on assets (ROA) | 1.2266% | 2,139 |
| Pretax return on assets | 1.7329% | 1,324 |
| Return on Equity (ROE) | 8.3264% | 3,307 |
| Retained earnings to average equity (ytd only) | -0.1297% | 4,575 |
| Net charge-offs to loans | -0.0158% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7961% | 3,010 |
| Assets per employee ($millions) | 7.6978% | 1,447 |
| Cash dividends to net income (ytd only)* | 101.5576% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1834% | 469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.2182% | 1,514 |
| Net loans and leases to deposits | 78.6262% | 1,422 |
| Net loans and leases to core deposits | 84.7844% | 1,368 |
| Total domestic deposits to total assets | 84.2191% | 3,399 |
| Equity capital to assets | 14.6059% | 614 |
| Core capital (leverage) ratio | 14.7775% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,783,500 | 4,398 |
| Average earning assets | $66,162,250 | 4,365 |
| Average equity | $10,280,250 | 4,152 |
| Average total loans | $42,290,750 | 4,195 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0212% | 331 |
| Cost of funding earning assets | 0.4099% | 1,803 |
| Net interest margin | 4.6113% | 302 |
| Noninterest income to average assets | 0.0858% | 4,744 |
| Noninterest expense to average assets | 2.4388% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4410% | 1,446 |
| Return on assets (ROA) | 1.4410% | 1,512 |
| Pretax return on assets | 2.0214% | 805 |
| Return on Equity (ROE) | 9.7542% | 2,853 |
| Retained earnings to average equity (ytd only) | 7.2382% | 2,346 |
| Net charge-offs to loans | -0.0245% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6795% | 3,718 |
| Assets per employee ($millions) | 6.3735% | 2,256 |
| Cash dividends to net income (ytd only)* | 25.7937% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7839% | 192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.9549% | 3,455 |
| Net loans and leases to deposits | 60.6478% | 3,331 |
| Net loans and leases to core deposits | 65.3209% | 3,172 |
| Total domestic deposits to total assets | 84.0177% | 3,436 |
| Equity capital to assets | 14.9710% | 534 |
| Core capital (leverage) ratio | 15.2896% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,951,333 | 4,425 |
| Average earning assets | $66,359,000 | 4,391 |
| Average equity | $10,334,000 | 4,168 |
| Average total loans | $40,754,333 | 4,262 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 361 |
| Cost of funding earning assets | 0.4228% | 1,914 |
| Net interest margin | 4.5663% | 327 |
| Noninterest income to average assets | 0.0859% | 4,742 |
| Noninterest expense to average assets | 2.5475% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4083% | 1,552 |
| Return on assets (ROA) | 1.4083% | 1,623 |
| Pretax return on assets | 1.8663% | 1,164 |
| Return on Equity (ROE) | 9.5972% | 2,822 |
| Retained earnings to average equity (ytd only) | 9.5972% | 1,768 |
| Net charge-offs to loans | -0.0187% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7173% | 3,343 |
| Assets per employee ($millions) | 6.9142% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 292 |
| Loan loss allowance to noncurrent loans | 277.1739% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 1,785 |
| Noncurrent loans to loans | 0.8781% | 1,539 |
| Net loans and leases to total assets | 59.1377% | 2,654 |
| Net loans and leases to deposits | 70.3358% | 2,470 |
| Net loans and leases to core deposits | 75.1042% | 2,421 |
| Total domestic deposits to total assets | 84.0791% | 3,408 |
| Equity capital to assets | 14.9996% | 494 |
| Core capital (leverage) ratio | 14.7776% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,872,500 | 4,440 |
| Average earning assets | $66,224,500 | 4,409 |
| Average equity | $10,253,000 | 4,189 |
| Average total loans | $42,758,000 | 4,240 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 433 |
| Cost of funding earning assets | 0.6571% | 1,947 |
| Net interest margin | 4.4094% | 396 |
| Noninterest income to average assets | 0.1302% | 4,628 |
| Noninterest expense to average assets | 2.9693% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0182% | 2,225 |
| Return on assets (ROA) | 1.0182% | 2,365 |
| Pretax return on assets | 1.3204% | 1,916 |
| Return on Equity (ROE) | 6.5575% | 3,386 |
| Retained earnings to average equity (ytd only) | 4.6112% | 2,476 |
| Net charge-offs to loans | -0.1013% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2197% | 2,062 |
| Assets per employee ($millions) | 6.4185% | 1,982 |
| Cash dividends to net income (ytd only)* | 29.6804% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3345% | 330 |
| Loan loss allowance to noncurrent loans | 241.8052% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 1,770 |
| Noncurrent loans to loans | 0.9654% | 1,462 |
| Net loans and leases to total assets | 60.3218% | 2,819 |
| Net loans and leases to deposits | 71.3563% | 2,755 |
| Net loans and leases to core deposits | 76.2137% | 2,716 |
| Total domestic deposits to total assets | 84.5361% | 2,937 |
| Equity capital to assets | 14.3549% | 717 |
| Core capital (leverage) ratio | 14.7378% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,527,200 | 4,453 |
| Average earning assets | $60,870,600 | 4,431 |
| Average equity | $10,019,000 | 4,190 |
| Average total loans | $42,435,400 | 4,266 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 563 |
| Cost of funding earning assets | 0.7145% | 1,935 |
| Net interest margin | 4.3294% | 554 |
| Noninterest income to average assets | 0.1375% | 4,611 |
| Noninterest expense to average assets | 2.9942% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8337% | 2,970 |
| Return on assets (ROA) | 0.8337% | 3,096 |
| Pretax return on assets | 1.2210% | 2,321 |
| Return on Equity (ROE) | 5.2585% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.2585% | 2,448 |
| Net charge-offs to loans | -0.0190% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0341% | 1,748 |
| Assets per employee ($millions) | 6.1288% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1282% | 396 |
| Loan loss allowance to noncurrent loans | 203.1056% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 1,630 |
| Noncurrent loans to loans | 1.0478% | 1,427 |
| Net loans and leases to total assets | 66.9178% | 2,394 |
| Net loans and leases to deposits | 79.5956% | 2,361 |
| Net loans and leases to core deposits | 85.3591% | 2,355 |
| Total domestic deposits to total assets | 84.0723% | 2,793 |
| Equity capital to assets | 14.9428% | 649 |
| Core capital (leverage) ratio | 14.8344% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,008,250 | 4,482 |
| Average earning assets | $59,344,500 | 4,466 |
| Average equity | $9,990,000 | 4,204 |
| Average total loans | $42,142,500 | 4,300 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 664 |
| Cost of funding earning assets | 0.7636% | 2,029 |
| Net interest margin | 4.3572% | 666 |
| Noninterest income to average assets | 0.1365% | 4,620 |
| Noninterest expense to average assets | 2.9477% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8937% | 2,711 |
| Return on assets (ROA) | 0.8937% | 2,831 |
| Pretax return on assets | 1.2870% | 2,081 |
| Return on Equity (ROE) | 5.5210% | 3,665 |
| Retained earnings to average equity (ytd only) | 5.5210% | 2,269 |
| Net charge-offs to loans | -0.0147% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6086% | 2,007 |
| Assets per employee ($millions) | 5.1926% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1808% | 347 |
| Loan loss allowance to noncurrent loans | 154.0157% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 1,300 |
| Noncurrent loans to loans | 1.4160% | 1,091 |
| Net loans and leases to total assets | 64.9858% | 2,754 |
| Net loans and leases to deposits | 77.1007% | 2,751 |
| Net loans and leases to core deposits | 83.1921% | 2,673 |
| Total domestic deposits to total assets | 84.2869% | 2,642 |
| Equity capital to assets | 14.7873% | 670 |
| Core capital (leverage) ratio | 15.1274% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,538,667 | 4,521 |
| Average earning assets | $57,880,667 | 4,493 |
| Average equity | $9,962,000 | 4,221 |
| Average total loans | $40,825,000 | 4,340 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 469 |
| Cost of funding earning assets | 0.8084% | 2,331 |
| Net interest margin | 4.5810% | 428 |
| Noninterest income to average assets | 0.1435% | 4,648 |
| Noninterest expense to average assets | 3.1764% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9632% | 2,305 |
| Return on assets (ROA) | 0.9632% | 2,408 |
| Pretax return on assets | 1.2637% | 1,980 |
| Return on Equity (ROE) | 5.6672% | 3,433 |
| Retained earnings to average equity (ytd only) | 5.6672% | 2,003 |
| Net charge-offs to loans | 0.0206% | 1,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 611 |
| Efficiency ratio | 71.5385% | 2,156 |
| Assets per employee ($millions) | 5.0094% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4316% | 274 |
| Loan loss allowance to noncurrent loans | 144.9405% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 1,154 |
| Noncurrent loans to loans | 1.6777% | 912 |
| Net loans and leases to total assets | 65.0142% | 2,942 |
| Net loans and leases to deposits | 78.9153% | 2,785 |
| Net loans and leases to core deposits | 86.1178% | 2,671 |
| Total domestic deposits to total assets | 82.3848% | 3,304 |
| Equity capital to assets | 16.6486% | 490 |
| Core capital (leverage) ratio | 17.0180% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,556,000 | 4,575 |
| Average earning assets | $54,923,000 | 4,562 |
| Average equity | $9,952,000 | 4,247 |
| Average total loans | $38,814,500 | 4,400 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0970% | 195 |
| Cost of funding earning assets | 0.8287% | 2,534 |
| Net interest margin | 5.2682% | 164 |
| Noninterest income to average assets | 0.1585% | 4,699 |
| Noninterest expense to average assets | 3.3051% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3648% | 1,464 |
| Return on assets (ROA) | 1.3648% | 1,545 |
| Pretax return on assets | 1.7938% | 956 |
| Return on Equity (ROE) | 8.2608% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.8006% | 1,483 |
| Net charge-offs to loans | -0.0372% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8192% | 2,970 |
| Assets per employee ($millions) | 4.3845% | 3,399 |
| Cash dividends to net income (ytd only)* | 17.6768% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5949% | 189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.2081% | 3,174 |
| Net loans and leases to deposits | 78.8037% | 2,928 |
| Net loans and leases to core deposits | 85.6655% | 2,809 |
| Total domestic deposits to total assets | 81.4786% | 3,654 |
| Equity capital to assets | 17.3617% | 424 |
| Core capital (leverage) ratio | 16.6749% | 452 |
| Tier 1 risk-based capital ratio | 26.8931% | 620 |
| Total risk-based capital ratio | 28.1616% | 608 |
| Memoranda: | ||
| Average total assets | $58,032,200 | 4,623 |
| Average earning assets | $54,420,600 | 4,603 |
| Average equity | $9,587,400 | 4,295 |
| Average total loans | $37,660,600 | 4,461 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2232% | 168 |
| Cost of funding earning assets | 0.8072% | 2,677 |
| Net interest margin | 5.4160% | 137 |
| Noninterest income to average assets | 0.1693% | 4,703 |
| Noninterest expense to average assets | 3.2983% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4479% | 1,334 |
| Return on assets (ROA) | 1.4479% | 1,390 |
| Pretax return on assets | 1.9511% | 770 |
| Return on Equity (ROE) | 8.8744% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.4023% | 1,669 |
| Net charge-offs to loans | -0.0460% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8322% | 3,192 |
| Assets per employee ($millions) | 5.2454% | 2,292 |
| Cash dividends to net income (ytd only)* | 16.5881% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6403% | 189 |
| Loan loss allowance to noncurrent loans | 24,375.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,734 |
| Noncurrent loans to loans | 0.0108% | 4,632 |
| Net loans and leases to total assets | 62.3096% | 3,461 |
| Net loans and leases to deposits | 76.1630% | 3,279 |
| Net loans and leases to core deposits | 82.6369% | 3,206 |
| Total domestic deposits to total assets | 81.8108% | 3,527 |
| Equity capital to assets | 16.9310% | 490 |
| Core capital (leverage) ratio | 16.7265% | 471 |
| Tier 1 risk-based capital ratio | 26.6474% | 668 |
| Total risk-based capital ratio | 27.9143% | 652 |
| Memoranda: | ||
| Average total assets | $58,290,500 | 4,686 |
| Average earning assets | $54,676,000 | 4,669 |
| Average equity | $9,510,250 | 4,352 |
| Average total loans | $37,682,500 | 4,513 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0219% | 223 |
| Cost of funding earning assets | 0.7883% | 2,700 |
| Net interest margin | 5.2336% | 184 |
| Noninterest income to average assets | 0.1812% | 4,662 |
| Noninterest expense to average assets | 3.2383% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3507% | 1,572 |
| Return on assets (ROA) | 1.3507% | 1,636 |
| Pretax return on assets | 1.8465% | 937 |
| Return on Equity (ROE) | 8.3829% | 3,119 |
| Retained earnings to average equity (ytd only) | 8.3829% | 1,247 |
| Net charge-offs to loans | -0.0422% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6853% | 3,183 |
| Assets per employee ($millions) | 4.7908% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4832% | 226 |
| Loan loss allowance to noncurrent loans | 242.2500% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 1,973 |
| Noncurrent loans to loans | 1.0250% | 1,595 |
| Net loans and leases to total assets | 66.1935% | 3,081 |
| Net loans and leases to deposits | 80.4150% | 2,904 |
| Net loans and leases to core deposits | 85.6590% | 2,984 |
| Total domestic deposits to total assets | 82.3149% | 3,433 |
| Equity capital to assets | 16.7510% | 500 |
| Core capital (leverage) ratio | 16.6330% | 471 |
| Tier 1 risk-based capital ratio | 24.3283% | 815 |
| Total risk-based capital ratio | 25.5927% | 802 |
| Memoranda: | ||
| Average total assets | $58,487,670 | 4,717 |
| Average earning assets | $54,799,670 | 4,702 |
| Average equity | $9,424,000 | 4,380 |
| Average total loans | $37,934,330 | 4,544 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9803% | 229 |
| Cost of funding earning assets | 0.7602% | 2,735 |
| Net interest margin | 5.2201% | 196 |
| Noninterest income to average assets | 0.2509% | 4,215 |
| Noninterest expense to average assets | 3.1939% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4715% | 1,174 |
| Return on assets (ROA) | 1.4715% | 1,201 |
| Pretax return on assets | 1.9462% | 710 |
| Return on Equity (ROE) | 9.3123% | 2,668 |
| Retained earnings to average equity (ytd only) | 9.3123% | 1,221 |
| Net charge-offs to loans | 0.0214% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 143.5000% | 521 |
| Efficiency ratio | 62.1372% | 3,514 |
| Assets per employee ($millions) | 4.8228% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5412% | 233 |
| Loan loss allowance to noncurrent loans | 241.5617% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,042 |
| Noncurrent loans to loans | 1.0520% | 1,585 |
| Net loans and leases to total assets | 63.5512% | 3,340 |
| Net loans and leases to deposits | 76.7300% | 3,192 |
| Net loans and leases to core deposits | 81.6404% | 3,211 |
| Total domestic deposits to total assets | 82.8245% | 3,451 |
| Equity capital to assets | 16.3064% | 530 |
| Core capital (leverage) ratio | 15.7646% | 566 |
| Tier 1 risk-based capital ratio | 24.1871% | 827 |
| Total risk-based capital ratio | 25.4522% | 807 |
| Memoranda: | ||
| Average total assets | $58,987,000 | 4,760 |
| Average earning assets | $55,248,500 | 4,745 |
| Average equity | $9,321,000 | 4,420 |
| Average total loans | $37,390,000 | 4,607 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8749% | 206 |
| Cost of funding earning assets | 0.6339% | 2,497 |
| Net interest margin | 5.2409% | 176 |
| Noninterest income to average assets | 0.3612% | 3,680 |
| Noninterest expense to average assets | 3.0577% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7086% | 680 |
| Return on assets (ROA) | 1.7086% | 667 |
| Pretax return on assets | 2.1726% | 378 |
| Return on Equity (ROE) | 11.3554% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.7624% | 664 |
| Net charge-offs to loans | -0.1879% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4615% | 4,087 |
| Assets per employee ($millions) | 4.6232% | 2,992 |
| Cash dividends to net income (ytd only)* | 14.0281% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5944% | 206 |
| Loan loss allowance to noncurrent loans | 229.9043% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 1,992 |
| Noncurrent loans to loans | 1.1284% | 1,422 |
| Net loans and leases to total assets | 60.0339% | 3,774 |
| Net loans and leases to deposits | 71.7830% | 3,687 |
| Net loans and leases to core deposits | 76.1251% | 3,708 |
| Total domestic deposits to total assets | 83.6326% | 3,110 |
| Equity capital to assets | 15.3159% | 639 |
| Core capital (leverage) ratio | 15.4744% | 602 |
| Tier 1 risk-based capital ratio | 24.2399% | 807 |
| Total risk-based capital ratio | 25.5072% | 784 |
| Memoranda: | ||
| Average total assets | $58,409,200 | 4,793 |
| Average earning assets | $54,265,000 | 4,783 |
| Average equity | $8,788,800 | 4,486 |
| Average total loans | $37,256,600 | 4,628 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7698% | 230 |
| Cost of funding earning assets | 0.6053% | 2,433 |
| Net interest margin | 5.1646% | 192 |
| Noninterest income to average assets | 0.4645% | 3,071 |
| Noninterest expense to average assets | 2.9730% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6417% | 857 |
| Return on assets (ROA) | 1.6417% | 866 |
| Pretax return on assets | 2.2786% | 354 |
| Return on Equity (ROE) | 10.9615% | 2,197 |
| Retained earnings to average equity (ytd only) | 10.9615% | 657 |
| Net charge-offs to loans | -0.2287% | 5,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6112% | 4,299 |
| Assets per employee ($millions) | 5.4694% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6534% | 198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,140 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.2966% | 4,009 |
| Net loans and leases to deposits | 69.3444% | 3,970 |
| Net loans and leases to core deposits | 73.4882% | 3,980 |
| Total domestic deposits to total assets | 84.0683% | 2,919 |
| Equity capital to assets | 15.0358% | 711 |
| Core capital (leverage) ratio | 15.1702% | 663 |
| Tier 1 risk-based capital ratio | 24.6263% | 787 |
| Total risk-based capital ratio | 25.8937% | 762 |
| Memoranda: | ||
| Average total assets | $57,986,250 | 4,849 |
| Average earning assets | $53,749,500 | 4,842 |
| Average equity | $8,684,750 | 4,546 |
| Average total loans | $37,310,250 | 4,677 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8340% | 192 |
| Cost of funding earning assets | 0.5713% | 2,423 |
| Net interest margin | 5.2627% | 150 |
| Noninterest income to average assets | 0.2794% | 4,319 |
| Noninterest expense to average assets | 2.9759% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5264% | 1,087 |
| Return on assets (ROA) | 1.5264% | 1,086 |
| Pretax return on assets | 2.1620% | 419 |
| Return on Equity (ROE) | 10.2051% | 2,473 |
| Retained earnings to average equity (ytd only) | 10.2051% | 870 |
| Net charge-offs to loans | -0.1431% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9198% | 4,246 |
| Assets per employee ($millions) | 4.9713% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6077% | 222 |
| Loan loss allowance to noncurrent loans | 91,800.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 3,873 |
| Noncurrent loans to loans | 0.0028% | 4,962 |
| Net loans and leases to total assets | 57.4738% | 4,041 |
| Net loans and leases to deposits | 68.0683% | 4,011 |
| Net loans and leases to core deposits | 71.1667% | 4,070 |
| Total domestic deposits to total assets | 84.4355% | 2,904 |
| Equity capital to assets | 14.7129% | 753 |
| Core capital (leverage) ratio | 14.7400% | 731 |
| Tier 1 risk-based capital ratio | 23.5723% | 874 |
| Total risk-based capital ratio | 24.8368% | 844 |
| Memoranda: | ||
| Average total assets | $57,260,670 | 4,914 |
| Average earning assets | $52,862,670 | 4,914 |
| Average equity | $8,564,330 | 4,599 |
| Average total loans | $37,737,330 | 4,712 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9115% | 159 |
| Cost of funding earning assets | 0.5339% | 2,519 |
| Net interest margin | 5.3776% | 123 |
| Noninterest income to average assets | 0.2212% | 4,685 |
| Noninterest expense to average assets | 2.8967% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6410% | 778 |
| Return on assets (ROA) | 1.6410% | 781 |
| Pretax return on assets | 2.2831% | 333 |
| Return on Equity (ROE) | 10.8773% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.8773% | 925 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9229% | 4,592 |
| Assets per employee ($millions) | 4.3384% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3908% | 289 |
| Loan loss allowance to noncurrent loans | 89,200.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,525 |
| Noncurrent loans to loans | 0.0027% | 5,011 |
| Net loans and leases to total assets | 64.5721% | 3,229 |
| Net loans and leases to deposits | 77.3600% | 3,076 |
| Net loans and leases to core deposits | 81.1164% | 3,230 |
| Total domestic deposits to total assets | 83.4696% | 3,515 |
| Equity capital to assets | 15.1918% | 626 |
| Core capital (leverage) ratio | 15.1688% | 619 |
| Tier 1 risk-based capital ratio | 22.0072% | 1,047 |
| Total risk-based capital ratio | 23.2698% | 1,026 |
| Memoranda: | ||
| Average total assets | $56,063,500 | 5,001 |
| Average earning assets | $51,695,500 | 4,994 |
| Average equity | $8,458,000 | 4,673 |
| Average total loans | $39,004,000 | 4,725 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7176% | 191 |
| Cost of funding earning assets | 0.4078% | 3,182 |
| Net interest margin | 5.3097% | 141 |
| Noninterest income to average assets | 0.2459% | 4,658 |
| Noninterest expense to average assets | 3.1457% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2113% | 1,485 |
| Return on assets (ROA) | 1.2113% | 1,511 |
| Pretax return on assets | 1.9724% | 523 |
| Return on Equity (ROE) | 8.3178% | 2,641 |
| Retained earnings to average equity (ytd only) | 8.3178% | 664 |
| Net charge-offs to loans | -0.2495% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4624% | 4,024 |
| Assets per employee ($millions) | 5.0662% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1918% | 379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 2,771 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.4291% | 2,312 |
| Net loans and leases to deposits | 85.2925% | 2,344 |
| Net loans and leases to core deposits | 87.9710% | 2,725 |
| Total domestic deposits to total assets | 83.7461% | 3,294 |
| Equity capital to assets | 14.9799% | 681 |
| Core capital (leverage) ratio | 14.4906% | 735 |
| Tier 1 risk-based capital ratio | 20.5429% | 1,220 |
| Total risk-based capital ratio | 21.8055% | 1,192 |
| Memoranda: | ||
| Average total assets | $55,314,000 | 5,056 |
| Average earning assets | $50,756,000 | 5,045 |
| Average equity | $8,055,000 | 4,779 |
| Average total loans | $36,873,600 | 4,824 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7356% | 180 |
| Cost of funding earning assets | 0.4055% | 3,132 |
| Net interest margin | 5.3300% | 137 |
| Noninterest income to average assets | 0.2246% | 4,869 |
| Noninterest expense to average assets | 2.9800% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4369% | 1,014 |
| Return on assets (ROA) | 1.4369% | 1,031 |
| Pretax return on assets | 2.1324% | 424 |
| Return on Equity (ROE) | 9.9390% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.9390% | 601 |
| Net charge-offs to loans | -0.3378% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2900% | 4,463 |
| Assets per employee ($millions) | 4.5222% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3130% | 339 |
| Loan loss allowance to noncurrent loans | 29,666.6667% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 2,921 |
| Noncurrent loans to loans | 0.0078% | 5,111 |
| Net loans and leases to total assets | 63.9382% | 3,407 |
| Net loans and leases to deposits | 75.2573% | 3,446 |
| Net loans and leases to core deposits | 77.0420% | 3,725 |
| Total domestic deposits to total assets | 84.9595% | 2,728 |
| Equity capital to assets | 14.0862% | 968 |
| Core capital (leverage) ratio | 14.7346% | 714 |
| Tier 1 risk-based capital ratio | 21.7150% | 1,079 |
| Total risk-based capital ratio | 22.9789% | 1,057 |
| Memoranda: | ||
| Average total assets | $55,210,500 | 5,117 |
| Average earning assets | $50,630,250 | 5,107 |
| Average equity | $7,981,750 | 4,836 |
| Average total loans | $35,917,500 | 4,896 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8474% | 151 |
| Cost of funding earning assets | 0.4180% | 2,908 |
| Net interest margin | 5.4295% | 114 |
| Noninterest income to average assets | 0.1962% | 5,066 |
| Noninterest expense to average assets | 2.9620% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4551% | 940 |
| Return on assets (ROA) | 1.4551% | 965 |
| Pretax return on assets | 2.1882% | 362 |
| Return on Equity (ROE) | 9.9721% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.9721% | 591 |
| Net charge-offs to loans | -0.4791% | 5,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5126% | 4,655 |
| Assets per employee ($millions) | 4.2218% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4185% | 313 |
| Loan loss allowance to noncurrent loans | 12,600.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 2,802 |
| Noncurrent loans to loans | 0.0192% | 5,092 |
| Net loans and leases to total assets | 64.8416% | 3,274 |
| Net loans and leases to deposits | 76.7938% | 3,245 |
| Net loans and leases to core deposits | 78.7567% | 3,524 |
| Total domestic deposits to total assets | 84.4360% | 3,036 |
| Equity capital to assets | 14.7222% | 760 |
| Core capital (leverage) ratio | 15.2106% | 594 |
| Tier 1 risk-based capital ratio | 23.0640% | 944 |
| Total risk-based capital ratio | 24.3285% | 934 |
| Memoranda: | ||
| Average total assets | $54,018,000 | 5,173 |
| Average earning assets | $49,286,670 | 5,171 |
| Average equity | $7,882,000 | 4,875 |
| Average total loans | $35,064,000 | 4,952 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9421% | 131 |
| Cost of funding earning assets | 0.4332% | 2,681 |
| Net interest margin | 5.5089% | 111 |
| Noninterest income to average assets | 0.2090% | 5,014 |
| Noninterest expense to average assets | 2.9411% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6049% | 671 |
| Return on assets (ROA) | 1.6049% | 687 |
| Pretax return on assets | 2.2991% | 301 |
| Return on Equity (ROE) | 11.0497% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.0497% | 594 |
| Net charge-offs to loans | -0.6635% | 5,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1254% | 4,927 |
| Assets per employee ($millions) | 4.0413% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4613% | 324 |
| Loan loss allowance to noncurrent loans | 9,511.1111% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 2,772 |
| Noncurrent loans to loans | 0.0259% | 5,116 |
| Net loans and leases to total assets | 64.5697% | 3,187 |
| Net loans and leases to deposits | 76.7523% | 3,108 |
| Net loans and leases to core deposits | 78.8027% | 3,411 |
| Total domestic deposits to total assets | 84.1274% | 3,431 |
| Equity capital to assets | 15.0199% | 651 |
| Core capital (leverage) ratio | 14.5622% | 693 |
| Tier 1 risk-based capital ratio | 23.0235% | 975 |
| Total risk-based capital ratio | 24.2889% | 955 |
| Memoranda: | ||
| Average total assets | $53,585,500 | 5,236 |
| Average earning assets | $48,939,000 | 5,231 |
| Average equity | $7,783,000 | 4,934 |
| Average total loans | $34,361,500 | 5,020 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8246% | 160 |
| Cost of funding earning assets | 0.4472% | 2,561 |
| Net interest margin | 5.3774% | 133 |
| Noninterest income to average assets | 0.2733% | 4,781 |
| Noninterest expense to average assets | 3.4073% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7424% | 495 |
| Return on assets (ROA) | 1.7424% | 521 |
| Pretax return on assets | 1.7598% | 870 |
| Return on Equity (ROE) | 12.5258% | 1,107 |
| Retained earnings to average equity (ytd only) | 12.5258% | 191 |
| Net charge-offs to loans | -0.2034% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9415% | 3,595 |
| Assets per employee ($millions) | 4.5528% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3539% | 371 |
| Loan loss allowance to noncurrent loans | 287.4101% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 1,728 |
| Noncurrent loans to loans | 0.8190% | 2,473 |
| Net loans and leases to total assets | 60.6674% | 3,780 |
| Net loans and leases to deposits | 71.3010% | 3,780 |
| Net loans and leases to core deposits | 73.1032% | 3,998 |
| Total domestic deposits to total assets | 85.0862% | 3,010 |
| Equity capital to assets | 14.0480% | 874 |
| Core capital (leverage) ratio | 14.3880% | 720 |
| Tier 1 risk-based capital ratio | 21.2749% | 1,163 |
| Total risk-based capital ratio | 22.5413% | 1,148 |
| Memoranda: | ||
| Average total assets | $51,595,400 | 5,316 |
| Average earning assets | $46,956,000 | 5,313 |
| Average equity | $7,177,200 | 5,062 |
| Average total loans | $34,422,600 | 5,059 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8520% | 150 |
| Cost of funding earning assets | 0.4559% | 2,498 |
| Net interest margin | 5.3961% | 130 |
| Noninterest income to average assets | 0.2255% | 5,119 |
| Noninterest expense to average assets | 3.4594% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4714% | 928 |
| Return on assets (ROA) | 1.4714% | 972 |
| Pretax return on assets | 1.6707% | 1,195 |
| Return on Equity (ROE) | 10.6055% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.6055% | 472 |
| Net charge-offs to loans | -0.3127% | 5,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4335% | 3,335 |
| Assets per employee ($millions) | 4.3382% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3147% | 426 |
| Loan loss allowance to noncurrent loans | 290.3226% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1468% | 1,756 |
| Noncurrent loans to loans | 0.7973% | 2,674 |
| Net loans and leases to total assets | 65.6633% | 3,178 |
| Net loans and leases to deposits | 77.3214% | 3,262 |
| Net loans and leases to core deposits | 78.9027% | 3,567 |
| Total domestic deposits to total assets | 84.9226% | 2,835 |
| Equity capital to assets | 14.1073% | 998 |
| Core capital (leverage) ratio | 14.0012% | 849 |
| Tier 1 risk-based capital ratio | 20.9462% | 1,279 |
| Total risk-based capital ratio | 22.2125% | 1,260 |
| Memoranda: | ||
| Average total assets | $50,835,750 | 5,380 |
| Average earning assets | $46,205,250 | 5,380 |
| Average equity | $7,052,750 | 5,131 |
| Average total loans | $34,542,250 | 5,103 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8528% | 154 |
| Cost of funding earning assets | 0.4546% | 2,527 |
| Net interest margin | 5.3982% | 132 |
| Noninterest income to average assets | 0.2380% | 5,062 |
| Noninterest expense to average assets | 3.5615% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3683% | 1,121 |
| Return on assets (ROA) | 1.3683% | 1,194 |
| Pretax return on assets | 1.5745% | 1,443 |
| Return on Equity (ROE) | 9.9200% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.9200% | 613 |
| Net charge-offs to loans | -0.3082% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3436% | 3,089 |
| Assets per employee ($millions) | 4.2065% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2705% | 496 |
| Loan loss allowance to noncurrent loans | 280.2867% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1827% | 1,765 |
| Noncurrent loans to loans | 0.8101% | 2,723 |
| Net loans and leases to total assets | 66.6825% | 2,982 |
| Net loans and leases to deposits | 78.7092% | 3,086 |
| Net loans and leases to core deposits | 80.8649% | 3,378 |
| Total domestic deposits to total assets | 84.7201% | 2,993 |
| Equity capital to assets | 14.1210% | 980 |
| Core capital (leverage) ratio | 13.9753% | 826 |
| Tier 1 risk-based capital ratio | 20.3307% | 1,378 |
| Total risk-based capital ratio | 21.5962% | 1,356 |
| Memoranda: | ||
| Average total assets | $50,428,330 | 5,451 |
| Average earning assets | $45,756,000 | 5,452 |
| Average equity | $6,955,670 | 5,202 |
| Average total loans | $34,392,000 | 5,163 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8429% | 151 |
| Cost of funding earning assets | 0.4555% | 2,524 |
| Net interest margin | 5.3874% | 135 |
| Noninterest income to average assets | 0.1508% | 5,585 |
| Noninterest expense to average assets | 3.4125% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3967% | 1,039 |
| Return on assets (ROA) | 1.3967% | 1,099 |
| Pretax return on assets | 1.6189% | 1,252 |
| Return on Equity (ROE) | 10.2482% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.2482% | 794 |
| Net charge-offs to loans | -0.1862% | 5,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8233% | 3,493 |
| Assets per employee ($millions) | 3.8840% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1415% | 635 |
| Loan loss allowance to noncurrent loans | 265.4804% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1863% | 1,850 |
| Noncurrent loans to loans | 0.8067% | 2,824 |
| Net loans and leases to total assets | 67.5137% | 2,725 |
| Net loans and leases to deposits | 79.3173% | 2,877 |
| Net loans and leases to core deposits | 82.5020% | 3,088 |
| Total domestic deposits to total assets | 85.1184% | 3,082 |
| Equity capital to assets | 13.7804% | 1,059 |
| Core capital (leverage) ratio | 13.5115% | 979 |
| Tier 1 risk-based capital ratio | 19.4900% | 1,615 |
| Total risk-based capital ratio | 20.7550% | 1,579 |
| Memoranda: | ||
| Average total assets | $50,403,500 | 5,501 |
| Average earning assets | $45,662,500 | 5,503 |
| Average equity | $6,869,500 | 5,261 |
| Average total loans | $34,367,000 | 5,202 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1450% | 476 |
| Cost of funding earning assets | 0.4880% | 2,283 |
| Net interest margin | 4.6570% | 492 |
| Noninterest income to average assets | 0.2000% | 5,391 |
| Noninterest expense to average assets | 3.4862% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9678% | 2,535 |
| Return on assets (ROA) | 0.9678% | 2,612 |
| Pretax return on assets | 0.9678% | 3,587 |
| Return on Equity (ROE) | 7.8279% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.8279% | 968 |
| Net charge-offs to loans | -0.1773% | 5,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2720% | 1,926 |
| Assets per employee ($millions) | 3.8704% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1535% | 635 |
| Loan loss allowance to noncurrent loans | 240.9241% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 1,739 |
| Noncurrent loans to loans | 0.8938% | 2,556 |
| Net loans and leases to total assets | 65.9227% | 2,991 |
| Net loans and leases to deposits | 77.1193% | 3,148 |
| Net loans and leases to core deposits | 80.1997% | 3,320 |
| Total domestic deposits to total assets | 85.4815% | 2,869 |
| Equity capital to assets | 13.4771% | 1,136 |
| Core capital (leverage) ratio | 13.0037% | 1,148 |
| Tier 1 risk-based capital ratio | 19.3507% | 1,622 |
| Total risk-based capital ratio | 20.6164% | 1,579 |
| Memoranda: | ||
| Average total assets | $52,492,000 | 5,494 |
| Average earning assets | $47,949,400 | 5,483 |
| Average equity | $6,489,600 | 5,346 |
| Average total loans | $32,147,000 | 5,289 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 625 |
| Cost of funding earning assets | 0.4666% | 2,520 |
| Net interest margin | 4.5314% | 615 |
| Noninterest income to average assets | 0.1709% | 5,624 |
| Noninterest expense to average assets | 3.4190% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6763% | 4,004 |
| Return on assets (ROA) | 0.6763% | 4,117 |
| Pretax return on assets | 0.9025% | 3,975 |
| Return on Equity (ROE) | 5.5894% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.5894% | 2,528 |
| Net charge-offs to loans | -0.1135% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1158% | 1,788 |
| Assets per employee ($millions) | 3.9014% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2334% | 629 |
| Loan loss allowance to noncurrent loans | 219.8113% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 1.2895% | 1,817 |
| Noncurrent loans to loans | 1.0160% | 2,445 |
| Net loans and leases to total assets | 60.3316% | 3,835 |
| Net loans and leases to deposits | 70.2102% | 3,959 |
| Net loans and leases to core deposits | 72.5284% | 4,149 |
| Total domestic deposits to total assets | 85.9300% | 2,567 |
| Equity capital to assets | 12.8988% | 1,510 |
| Core capital (leverage) ratio | 12.4903% | 1,421 |
| Tier 1 risk-based capital ratio | 20.4293% | 1,446 |
| Total risk-based capital ratio | 21.6948% | 1,412 |
| Memoranda: | ||
| Average total assets | $53,036,250 | 5,552 |
| Average earning assets | $48,578,750 | 5,539 |
| Average equity | $6,416,750 | 5,423 |
| Average total loans | $31,709,000 | 5,366 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 697 |
| Cost of funding earning assets | 0.4660% | 2,549 |
| Net interest margin | 4.4535% | 686 |
| Noninterest income to average assets | 0.0966% | 6,042 |
| Noninterest expense to average assets | 3.2931% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6653% | 4,055 |
| Return on assets (ROA) | 0.6653% | 4,156 |
| Pretax return on assets | 0.8883% | 3,997 |
| Return on Equity (ROE) | 5.6157% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.6157% | 2,458 |
| Net charge-offs to loans | -0.1193% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7556% | 1,954 |
| Assets per employee ($millions) | 3.5156% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3704% | 573 |
| Loan loss allowance to noncurrent loans | 218.9873% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2364% | 2,039 |
| Noncurrent loans to loans | 1.0825% | 2,484 |
| Net loans and leases to total assets | 54.0467% | 4,550 |
| Net loans and leases to deposits | 62.3422% | 4,677 |
| Net loans and leases to core deposits | 64.2986% | 4,790 |
| Total domestic deposits to total assets | 86.6936% | 2,320 |
| Equity capital to assets | 12.2312% | 1,850 |
| Core capital (leverage) ratio | 12.3111% | 1,478 |
| Tier 1 risk-based capital ratio | 20.7779% | 1,411 |
| Total risk-based capital ratio | 22.0435% | 1,384 |
| Memoranda: | ||
| Average total assets | $53,809,000 | 5,595 |
| Average earning assets | $49,354,330 | 5,578 |
| Average equity | $6,375,000 | 5,474 |
| Average total loans | $31,846,000 | 5,402 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 731 |
| Cost of funding earning assets | 0.4817% | 2,436 |
| Net interest margin | 4.3993% | 729 |
| Noninterest income to average assets | 0.2355% | 5,280 |
| Noninterest expense to average assets | 3.0986% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9495% | 2,512 |
| Return on assets (ROA) | 0.9495% | 2,645 |
| Pretax return on assets | 1.1703% | 2,782 |
| Return on Equity (ROE) | 8.1420% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.1420% | 1,514 |
| Net charge-offs to loans | -0.0965% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5862% | 3,069 |
| Assets per employee ($millions) | 3.5183% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2302% | 773 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 2,235 |
| Noncurrent loans to loans | 0.8363% | 3,154 |
| Net loans and leases to total assets | 56.4861% | 4,152 |
| Net loans and leases to deposits | 66.1621% | 4,140 |
| Net loans and leases to core deposits | 68.2682% | 4,305 |
| Total domestic deposits to total assets | 85.3754% | 3,233 |
| Equity capital to assets | 12.1310% | 1,936 |
| Core capital (leverage) ratio | 12.0675% | 1,601 |
| Tier 1 risk-based capital ratio | 19.0233% | 1,860 |
| Total risk-based capital ratio | 20.2854% | 1,818 |
| Memoranda: | ||
| Average total assets | $54,346,500 | 5,632 |
| Average earning assets | $49,826,500 | 5,619 |
| Average equity | $6,337,500 | 5,525 |
| Average total loans | $33,172,500 | 5,399 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 208 |
| Cost of funding earning assets | 0.5866% | 1,890 |
| Net interest margin | 5.1817% | 213 |
| Noninterest income to average assets | 0.1003% | 6,155 |
| Noninterest expense to average assets | 3.5710% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9616% | 2,573 |
| Return on assets (ROA) | 0.9616% | 2,657 |
| Pretax return on assets | 1.2015% | 2,647 |
| Return on Equity (ROE) | 7.7381% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.7381% | 1,115 |
| Net charge-offs to loans | 0.2700% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.0230% | 3,099 |
| Efficiency ratio | 74.8249% | 2,688 |
| Assets per employee ($millions) | 3.5385% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6665% | 444 |
| Loan loss allowance to noncurrent loans | 109.2478% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 2.3588% | 994 |
| Noncurrent loans to loans | 2.4408% | 1,054 |
| Net loans and leases to total assets | 60.9311% | 3,648 |
| Net loans and leases to deposits | 70.3493% | 3,861 |
| Net loans and leases to core deposits | 72.7434% | 4,054 |
| Total domestic deposits to total assets | 86.6122% | 2,500 |
| Equity capital to assets | 12.4345% | 1,687 |
| Core capital (leverage) ratio | 12.5154% | 1,348 |
| Tier 1 risk-based capital ratio | 19.5653% | 1,700 |
| Total risk-based capital ratio | 20.8314% | 1,659 |
| Memoranda: | ||
| Average total assets | $50,853,400 | 5,769 |
| Average earning assets | $45,853,600 | 5,777 |
| Average equity | $6,319,400 | 5,560 |
| Average total loans | $32,227,400 | 5,475 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 235 |
| Cost of funding earning assets | 0.6016% | 1,813 |
| Net interest margin | 5.0812% | 258 |
| Noninterest income to average assets | 0.1246% | 6,141 |
| Noninterest expense to average assets | 3.6979% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6733% | 4,091 |
| Return on assets (ROA) | 0.6733% | 4,179 |
| Pretax return on assets | 0.9941% | 3,617 |
| Return on Equity (ROE) | 5.4192% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.4192% | 2,813 |
| Net charge-offs to loans | 0.4169% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,600 |
| Efficiency ratio | 78.8136% | 2,072 |
| Assets per employee ($millions) | 3.4312% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6791% | 504 |
| Loan loss allowance to noncurrent loans | 86.4356% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 3.1573% | 723 |
| Noncurrent loans to loans | 3.0996% | 839 |
| Net loans and leases to total assets | 61.6150% | 3,547 |
| Net loans and leases to deposits | 71.1398% | 3,779 |
| Net loans and leases to core deposits | 74.1940% | 3,922 |
| Total domestic deposits to total assets | 86.6111% | 2,521 |
| Equity capital to assets | 12.3650% | 1,793 |
| Core capital (leverage) ratio | 12.1733% | 1,592 |
| Tier 1 risk-based capital ratio | 18.6066% | 2,014 |
| Total risk-based capital ratio | 19.8739% | 1,977 |
| Memoranda: | ||
| Average total assets | $50,297,250 | 5,843 |
| Average earning assets | $45,211,750 | 5,859 |
| Average equity | $6,249,250 | 5,630 |
| Average total loans | $31,977,500 | 5,542 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7566% | 196 |
| Cost of funding earning assets | 0.6078% | 1,835 |
| Net interest margin | 5.1488% | 218 |
| Noninterest income to average assets | 0.1523% | 6,040 |
| Noninterest expense to average assets | 3.5787% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8255% | 3,204 |
| Return on assets (ROA) | 0.8255% | 3,299 |
| Pretax return on assets | 1.1902% | 2,701 |
| Return on Equity (ROE) | 6.6334% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.6334% | 1,961 |
| Net charge-offs to loans | 0.1070% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.4706% | 1,733 |
| Efficiency ratio | 75.0420% | 2,802 |
| Assets per employee ($millions) | 3.3874% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9616% | 399 |
| Loan loss allowance to noncurrent loans | 79.9163% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 6.7052% | 201 |
| Noncurrent loans to loans | 3.7059% | 685 |
| Net loans and leases to total assets | 61.5831% | 3,472 |
| Net loans and leases to deposits | 71.1887% | 3,682 |
| Net loans and leases to core deposits | 74.7230% | 3,758 |
| Total domestic deposits to total assets | 86.5069% | 2,753 |
| Equity capital to assets | 12.4323% | 1,688 |
| Core capital (leverage) ratio | 12.0400% | 1,630 |
| Tier 1 risk-based capital ratio | 18.4075% | 2,100 |
| Total risk-based capital ratio | 19.6767% | 2,051 |
| Memoranda: | ||
| Average total assets | $49,907,000 | 5,910 |
| Average earning assets | $44,748,670 | 5,922 |
| Average equity | $6,211,000 | 5,675 |
| Average total loans | $31,775,000 | 5,590 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8050% | 186 |
| Cost of funding earning assets | 0.6058% | 1,926 |
| Net interest margin | 5.1992% | 185 |
| Noninterest income to average assets | 0.1779% | 5,899 |
| Noninterest expense to average assets | 3.6882% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7684% | 3,318 |
| Return on assets (ROA) | 0.7684% | 3,401 |
| Pretax return on assets | 1.1404% | 2,732 |
| Return on Equity (ROE) | 6.1708% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.1708% | 2,447 |
| Net charge-offs to loans | -0.0634% | 5,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3819% | 2,740 |
| Assets per employee ($millions) | 3.4117% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1288% | 381 |
| Loan loss allowance to noncurrent loans | 81.8258% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 6.6888% | 236 |
| Noncurrent loans to loans | 3.8237% | 729 |
| Net loans and leases to total assets | 59.1089% | 3,682 |
| Net loans and leases to deposits | 67.9951% | 3,856 |
| Net loans and leases to core deposits | 70.8972% | 3,995 |
| Total domestic deposits to total assets | 86.9311% | 2,857 |
| Equity capital to assets | 12.1270% | 1,782 |
| Core capital (leverage) ratio | 12.2765% | 1,492 |
| Tier 1 risk-based capital ratio | 18.3631% | 2,159 |
| Total risk-based capital ratio | 19.6351% | 2,118 |
| Memoranda: | ||
| Average total assets | $49,455,000 | 5,979 |
| Average earning assets | $44,237,500 | 5,996 |
| Average equity | $6,158,000 | 5,716 |
| Average total loans | $31,539,500 | 5,649 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9749% | 182 |
| Cost of funding earning assets | 0.6694% | 2,045 |
| Net interest margin | 5.3055% | 183 |
| Noninterest income to average assets | 0.1892% | 5,952 |
| Noninterest expense to average assets | 3.8267% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7547% | 3,520 |
| Return on assets (ROA) | 0.7547% | 3,613 |
| Pretax return on assets | 0.9747% | 3,453 |
| Return on Equity (ROE) | 6.1016% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.1016% | 1,914 |
| Net charge-offs to loans | -0.1452% | 6,558 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7002% | 2,202 |
| Assets per employee ($millions) | 3.1823% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0547% | 442 |
| Loan loss allowance to noncurrent loans | 105.4171% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 6.6031% | 271 |
| Noncurrent loans to loans | 2.8977% | 1,209 |
| Net loans and leases to total assets | 64.6905% | 2,921 |
| Net loans and leases to deposits | 75.0043% | 3,099 |
| Net loans and leases to core deposits | 78.4613% | 3,303 |
| Total domestic deposits to total assets | 86.2491% | 3,137 |
| Equity capital to assets | 12.7998% | 1,369 |
| Core capital (leverage) ratio | 11.9632% | 1,635 |
| Tier 1 risk-based capital ratio | 17.2008% | 2,526 |
| Total risk-based capital ratio | 18.4716% | 2,495 |
| Memoranda: | ||
| Average total assets | $48,631,400 | 6,049 |
| Average earning assets | $42,276,800 | 6,100 |
| Average equity | $6,014,800 | 5,822 |
| Average total loans | $31,686,000 | 5,681 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0628% | 157 |
| Cost of funding earning assets | 0.6789% | 2,105 |
| Net interest margin | 5.3839% | 168 |
| Noninterest income to average assets | -0.0764% | 6,800 |
| Noninterest expense to average assets | 3.6651% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0398% | 2,223 |
| Return on assets (ROA) | 1.0398% | 2,307 |
| Pretax return on assets | 0.9115% | 3,833 |
| Return on Equity (ROE) | 8.4792% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.4792% | 1,230 |
| Net charge-offs to loans | -0.2528% | 6,691 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0835% | 2,084 |
| Assets per employee ($millions) | 3.2141% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2062% | 453 |
| Loan loss allowance to noncurrent loans | 106.2433% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 7.1040% | 279 |
| Noncurrent loans to loans | 3.0178% | 1,330 |
| Net loans and leases to total assets | 61.8041% | 3,396 |
| Net loans and leases to deposits | 71.6171% | 3,561 |
| Net loans and leases to core deposits | 74.8687% | 3,749 |
| Total domestic deposits to total assets | 86.2980% | 3,079 |
| Equity capital to assets | 12.7002% | 1,477 |
| Core capital (leverage) ratio | 12.0108% | 1,664 |
| Tier 1 risk-based capital ratio | 17.1898% | 2,629 |
| Total risk-based capital ratio | 18.4612% | 2,587 |
| Memoranda: | ||
| Average total assets | $48,855,500 | 6,112 |
| Average earning assets | $42,223,750 | 6,173 |
| Average equity | $5,991,000 | 5,896 |
| Average total loans | $31,644,250 | 5,741 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1480% | 141 |
| Cost of funding earning assets | 0.6694% | 2,322 |
| Net interest margin | 5.4786% | 138 |
| Noninterest income to average assets | 0.0489% | 6,675 |
| Noninterest expense to average assets | 3.5582% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3858% | 1,111 |
| Return on assets (ROA) | 1.3858% | 1,192 |
| Pretax return on assets | 1.1942% | 2,703 |
| Return on Equity (ROE) | 11.4343% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.4343% | 577 |
| Net charge-offs to loans | -0.1127% | 6,529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8714% | 2,967 |
| Assets per employee ($millions) | 3.1843% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0088% | 576 |
| Loan loss allowance to noncurrent loans | 91.5698% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 8.7533% | 201 |
| Noncurrent loans to loans | 3.2858% | 1,331 |
| Net loans and leases to total assets | 63.7768% | 2,952 |
| Net loans and leases to deposits | 73.8945% | 3,171 |
| Net loans and leases to core deposits | 78.3594% | 3,244 |
| Total domestic deposits to total assets | 86.3080% | 3,201 |
| Equity capital to assets | 12.7311% | 1,449 |
| Core capital (leverage) ratio | 12.1452% | 1,540 |
| Tier 1 risk-based capital ratio | 16.7669% | 2,803 |
| Total risk-based capital ratio | 18.0362% | 2,769 |
| Memoranda: | ||
| Average total assets | $49,070,000 | 6,144 |
| Average earning assets | $42,127,670 | 6,222 |
| Average equity | $5,947,000 | 5,950 |
| Average total loans | $31,931,000 | 5,757 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1872% | 132 |
| Cost of funding earning assets | 0.6697% | 2,483 |
| Net interest margin | 5.5176% | 119 |
| Noninterest income to average assets | 0.3620% | 4,768 |
| Noninterest expense to average assets | 2.9363% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1318% | 271 |
| Return on assets (ROA) | 2.1318% | 298 |
| Pretax return on assets | 2.1318% | 463 |
| Return on Equity (ROE) | 18.0272% | 433 |
| Retained earnings to average equity (ytd only) | 18.0272% | 199 |
| Net charge-offs to loans | -0.1740% | 6,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9365% | 5,862 |
| Assets per employee ($millions) | 3.1987% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8821% | 746 |
| Loan loss allowance to noncurrent loans | 326.3889% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 9.3706% | 224 |
| Noncurrent loans to loans | 0.8830% | 4,371 |
| Net loans and leases to total assets | 66.0171% | 2,369 |
| Net loans and leases to deposits | 76.3419% | 2,582 |
| Net loans and leases to core deposits | 80.3893% | 2,761 |
| Total domestic deposits to total assets | 86.4756% | 3,253 |
| Equity capital to assets | 12.5302% | 1,694 |
| Core capital (leverage) ratio | 12.0058% | 1,560 |
| Tier 1 risk-based capital ratio | 15.6976% | 3,424 |
| Total risk-based capital ratio | 16.9653% | 3,376 |
| Memoranda: | ||
| Average total assets | $49,722,500 | 6,190 |
| Average earning assets | $42,410,000 | 6,264 |
| Average equity | $5,880,000 | 6,015 |
| Average total loans | $32,192,500 | 5,788 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4701% | 135 |
| Cost of funding earning assets | 0.7949% | 2,707 |
| Net interest margin | 5.6752% | 137 |
| Noninterest income to average assets | -0.3692% | 7,009 |
| Noninterest expense to average assets | 4.1076% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2827% | 5,530 |
| Return on assets (ROA) | 0.2827% | 5,745 |
| Pretax return on assets | 0.2827% | 5,852 |
| Return on Equity (ROE) | 2.4443% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.4443% | 4,517 |
| Net charge-offs to loans | 0.1380% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.2683% | 3,797 |
| Efficiency ratio | 93.5608% | 826 |
| Assets per employee ($millions) | 3.2166% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9178% | 723 |
| Loan loss allowance to noncurrent loans | 217.6056% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 9.0819% | 265 |
| Noncurrent loans to loans | 1.3409% | 3,599 |
| Net loans and leases to total assets | 59.9300% | 3,617 |
| Net loans and leases to deposits | 68.0861% | 3,966 |
| Net loans and leases to core deposits | 71.7630% | 4,071 |
| Total domestic deposits to total assets | 88.0210% | 2,225 |
| Equity capital to assets | 11.1688% | 2,769 |
| Core capital (leverage) ratio | 11.0186% | 2,238 |
| Tier 1 risk-based capital ratio | 14.9980% | 3,720 |
| Total risk-based capital ratio | 16.2640% | 3,665 |
| Memoranda: | ||
| Average total assets | $47,399,800 | 6,281 |
| Average earning assets | $39,751,800 | 6,369 |
| Average equity | $5,482,200 | 6,151 |
| Average total loans | $29,715,600 | 5,962 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1912% | 214 |
| Cost of funding earning assets | 0.8377% | 2,646 |
| Net interest margin | 5.3535% | 219 |
| Noninterest income to average assets | -0.5720% | 7,140 |
| Noninterest expense to average assets | 4.0358% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1437% | 6,449 |
| Return on assets (ROA) | -0.1437% | 6,529 |
| Pretax return on assets | -0.1437% | 6,511 |
| Return on Equity (ROE) | -1.2310% | 6,520 |
| Retained earnings to average equity (ytd only) | -1.2310% | 6,301 |
| Net charge-offs to loans | 0.2237% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.0205% | 5,574 |
| Efficiency ratio | 103.6928% | 425 |
| Assets per employee ($millions) | 3.0803% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9955% | 715 |
| Loan loss allowance to noncurrent loans | 146.3376% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 10.6848% | 207 |
| Noncurrent loans to loans | 2.0470% | 2,796 |
| Net loans and leases to total assets | 60.3835% | 3,702 |
| Net loans and leases to deposits | 69.0728% | 4,014 |
| Net loans and leases to core deposits | 72.1035% | 4,237 |
| Total domestic deposits to total assets | 87.4201% | 2,409 |
| Equity capital to assets | 11.2894% | 2,950 |
| Core capital (leverage) ratio | 12.1734% | 1,548 |
| Tier 1 risk-based capital ratio | 15.4694% | 3,558 |
| Total risk-based capital ratio | 16.7358% | 3,504 |
| Memoranda: | ||
| Average total assets | $46,383,500 | 6,385 |
| Average earning assets | $38,677,500 | 6,482 |
| Average equity | $5,415,750 | 6,238 |
| Average total loans | $29,202,000 | 6,060 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3195% | 184 |
| Cost of funding earning assets | 0.8854% | 2,520 |
| Net interest margin | 5.4341% | 197 |
| Noninterest income to average assets | -0.8675% | 7,216 |
| Noninterest expense to average assets | 4.2848% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.6385% | 6,795 |
| Return on assets (ROA) | -0.6385% | 6,824 |
| Pretax return on assets | -0.6385% | 6,794 |
| Return on Equity (ROE) | -5.4041% | 6,787 |
| Retained earnings to average equity (ytd only) | -5.4041% | 6,644 |
| Net charge-offs to loans | -0.6409% | 7,153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5121% | 248 |
| Assets per employee ($millions) | 2.9964% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8127% | 392 |
| Loan loss allowance to noncurrent loans | 347.5410% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 12.0745% | 179 |
| Noncurrent loans to loans | 1.0970% | 4,331 |
| Net loans and leases to total assets | 59.4981% | 3,912 |
| Net loans and leases to deposits | 68.7066% | 4,089 |
| Net loans and leases to core deposits | 72.5561% | 4,236 |
| Total domestic deposits to total assets | 86.5973% | 3,012 |
| Equity capital to assets | 12.1034% | 2,067 |
| Core capital (leverage) ratio | 12.0019% | 1,599 |
| Tier 1 risk-based capital ratio | 15.8212% | 3,265 |
| Total risk-based capital ratio | 17.0938% | 3,219 |
| Memoranda: | ||
| Average total assets | $45,416,330 | 6,454 |
| Average earning assets | $37,724,670 | 6,566 |
| Average equity | $5,366,330 | 6,280 |
| Average total loans | $28,709,670 | 6,125 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 712 |
| Cost of funding earning assets | 0.9290% | 2,448 |
| Net interest margin | 4.6031% | 820 |
| Noninterest income to average assets | -0.0350% | 7,127 |
| Noninterest expense to average assets | 3.8728% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0438% | 6,476 |
| Return on assets (ROA) | -0.0438% | 6,572 |
| Pretax return on assets | -0.0438% | 6,567 |
| Return on Equity (ROE) | -0.3753% | 6,574 |
| Retained earnings to average equity (ytd only) | -0.3753% | 6,061 |
| Net charge-offs to loans | -1.1658% | 7,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1442% | 514 |
| Assets per employee ($millions) | 3.2268% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6533% | 482 |
| Loan loss allowance to noncurrent loans | 66.1432% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 13.2507% | 160 |
| Noncurrent loans to loans | 5.5234% | 965 |
| Net loans and leases to total assets | 61.4721% | 3,361 |
| Net loans and leases to deposits | 70.6131% | 3,636 |
| Net loans and leases to core deposits | 74.6024% | 3,817 |
| Total domestic deposits to total assets | 87.0548% | 2,930 |
| Equity capital to assets | 11.7897% | 2,193 |
| Core capital (leverage) ratio | 11.6745% | 1,792 |
| Tier 1 risk-based capital ratio | 15.8786% | 3,231 |
| Total risk-based capital ratio | 17.1533% | 3,191 |
| Memoranda: | ||
| Average total assets | $45,651,500 | 6,491 |
| Average earning assets | $38,322,000 | 6,587 |
| Average equity | $5,329,500 | 6,324 |
| Average total loans | $29,163,500 | 6,156 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 3,631 |
| Cost of funding earning assets | 1.3703% | 1,165 |
| Net interest margin | 3.4685% | 5,258 |
| Noninterest income to average assets | -0.7903% | 7,307 |
| Noninterest expense to average assets | 3.9730% | 1,077 |
| Loan and lease loss provision to assets | 0.5288% | 1,981 |
| Net operating income to assets | -2.3533% | 7,090 |
| Return on assets (ROA) | -2.3533% | 7,101 |
| Pretax return on assets | -2.3533% | 7,093 |
| Return on Equity (ROE) | -20.0086% | 6,986 |
| Retained earnings to average equity (ytd only) | -20.0086% | 6,970 |
| Net charge-offs to loans | 1.0771% | 1,605 |
| Credit loss provision to net charge-offs | 88.8525% | 4,062 |
| Earnings coverage of net charge-offs (x) | -3.0656% | 6,326 |
| Efficiency ratio | 184.9228% | 72 |
| Assets per employee ($millions) | 3.2949% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2809% | 634 |
| Loan loss allowance to noncurrent loans | 65.9401% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 12.7905% | 178 |
| Noncurrent loans to loans | 4.9756% | 1,135 |
| Net loans and leases to total assets | 61.8626% | 3,628 |
| Net loans and leases to deposits | 70.9057% | 3,966 |
| Net loans and leases to core deposits | 73.7383% | 4,279 |
| Total domestic deposits to total assets | 87.2464% | 2,613 |
| Equity capital to assets | 11.5613% | 2,461 |
| Core capital (leverage) ratio | 11.0974% | 2,195 |
| Tier 1 risk-based capital ratio | 15.5636% | 3,285 |
| Total risk-based capital ratio | 16.8323% | 3,230 |
| Memoranda: | ||
| Average total assets | $51,246,400 | 6,330 |
| Average earning assets | $43,419,800 | 6,405 |
| Average equity | $6,027,400 | 6,150 |
| Average total loans | $28,316,800 | 6,237 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 3,535 |
| Cost of funding earning assets | 1.4531% | 1,013 |
| Net interest margin | 3.4505% | 5,392 |
| Noninterest income to average assets | -0.1574% | 7,248 |
| Noninterest expense to average assets | 3.8431% | 1,243 |
| Loan and lease loss provision to assets | 0.6752% | 1,430 |
| Net operating income to assets | -1.7464% | 7,092 |
| Return on assets (ROA) | -1.7464% | 7,104 |
| Pretax return on assets | -1.7464% | 7,069 |
| Return on Equity (ROE) | -14.7929% | 7,009 |
| Retained earnings to average equity (ytd only) | -14.7929% | 6,984 |
| Net charge-offs to loans | 1.4894% | 975 |
| Credit loss provision to net charge-offs | 84.9840% | 3,961 |
| Earnings coverage of net charge-offs (x) | -1.3482% | 5,971 |
| Efficiency ratio | 138.6447% | 187 |
| Assets per employee ($millions) | 3.5144% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0384% | 382 |
| Loan loss allowance to noncurrent loans | 56.5089% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 13.4080% | 179 |
| Noncurrent loans to loans | 7.1465% | 685 |
| Net loans and leases to total assets | 46.1221% | 6,135 |
| Net loans and leases to deposits | 53.0694% | 6,280 |
| Net loans and leases to core deposits | 54.9813% | 6,391 |
| Total domestic deposits to total assets | 86.9091% | 2,708 |
| Equity capital to assets | 11.8898% | 2,341 |
| Core capital (leverage) ratio | 11.7018% | 1,887 |
| Tier 1 risk-based capital ratio | 20.3795% | 1,592 |
| Total risk-based capital ratio | 21.6563% | 1,558 |
| Memoranda: | ||
| Average total assets | $52,526,000 | 6,340 |
| Average earning assets | $44,592,000 | 6,433 |
| Average equity | $6,201,000 | 6,149 |
| Average total loans | $28,020,000 | 6,300 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 3,105 |
| Cost of funding earning assets | 1.4894% | 1,039 |
| Net interest margin | 3.5221% | 5,064 |
| Noninterest income to average assets | -0.4027% | 7,410 |
| Noninterest expense to average assets | 3.8036% | 1,339 |
| Loan and lease loss provision to assets | 0.9322% | 952 |
| Net operating income to assets | -2.1404% | 7,214 |
| Return on assets (ROA) | -2.1404% | 7,224 |
| Pretax return on assets | -2.1404% | 7,194 |
| Return on Equity (ROE) | -18.1703% | 7,130 |
| Retained earnings to average equity (ytd only) | -18.1703% | 7,111 |
| Net charge-offs to loans | 3.2907% | 289 |
| Credit loss provision to net charge-offs | 51.5464% | 4,543 |
| Earnings coverage of net charge-offs (x) | -0.6680% | 5,572 |
| Efficiency ratio | 146.5517% | 169 |
| Assets per employee ($millions) | 3.6594% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9382% | 946 |
| Loan loss allowance to noncurrent loans | 47.8478% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 12.9958% | 212 |
| Noncurrent loans to loans | 6.1408% | 954 |
| Net loans and leases to total assets | 49.4554% | 5,891 |
| Net loans and leases to deposits | 56.6722% | 6,076 |
| Net loans and leases to core deposits | 61.1458% | 5,982 |
| Total domestic deposits to total assets | 87.2658% | 2,589 |
| Equity capital to assets | 11.6373% | 2,376 |
| Core capital (leverage) ratio | 11.4101% | 1,968 |
| Tier 1 risk-based capital ratio | 18.8823% | 1,877 |
| Total risk-based capital ratio | 20.1471% | 1,840 |
| Memoranda: | ||
| Average total assets | $53,634,000 | 6,344 |
| Average earning assets | $45,655,000 | 6,450 |
| Average equity | $6,318,000 | 6,136 |
| Average total loans | $29,477,330 | 6,312 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 2,006 |
| Cost of funding earning assets | 1.5201% | 1,092 |
| Net interest margin | 3.7406% | 3,890 |
| Noninterest income to average assets | 0.3137% | 5,418 |
| Noninterest expense to average assets | 3.5306% | 1,930 |
| Loan and lease loss provision to assets | 0.5106% | 1,703 |
| Net operating income to assets | -0.5325% | 6,820 |
| Return on assets (ROA) | -0.5325% | 6,824 |
| Pretax return on assets | -0.5325% | 6,771 |
| Return on Equity (ROE) | -4.4951% | 6,779 |
| Retained earnings to average equity (ytd only) | -4.4951% | 6,474 |
| Net charge-offs to loans | 1.5659% | 866 |
| Credit loss provision to net charge-offs | 57.3770% | 3,593 |
| Earnings coverage of net charge-offs (x) | -0.0246% | 4,596 |
| Efficiency ratio | 100.6237% | 712 |
| Assets per employee ($millions) | 3.7896% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3052% | 708 |
| Loan loss allowance to noncurrent loans | 29.3754% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 16.0893% | 132 |
| Noncurrent loans to loans | 11.2514% | 328 |
| Net loans and leases to total assets | 52.3862% | 5,528 |
| Net loans and leases to deposits | 60.2780% | 5,699 |
| Net loans and leases to core deposits | 65.2433% | 5,595 |
| Total domestic deposits to total assets | 86.9077% | 2,988 |
| Equity capital to assets | 12.1763% | 1,809 |
| Core capital (leverage) ratio | 11.5545% | 1,817 |
| Tier 1 risk-based capital ratio | 18.8851% | 1,831 |
| Total risk-based capital ratio | 20.1544% | 1,787 |
| Memoranda: | ||
| Average total assets | $54,835,000 | 6,350 |
| Average earning assets | $46,837,500 | 6,461 |
| Average equity | $6,496,000 | 6,093 |
| Average total loans | $31,164,000 | 6,282 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9149% | 1,008 |
| Cost of funding earning assets | 1.7436% | 1,404 |
| Net interest margin | 4.1713% | 2,289 |
| Noninterest income to average assets | 0.3524% | 5,284 |
| Noninterest expense to average assets | 3.8976% | 1,318 |
| Loan and lease loss provision to assets | 0.8601% | 1,894 |
| Net operating income to assets | -0.6281% | 6,468 |
| Return on assets (ROA) | -0.6281% | 6,497 |
| Pretax return on assets | -0.8950% | 6,574 |
| Return on Equity (ROE) | -5.1492% | 6,445 |
| Retained earnings to average equity (ytd only) | -5.1492% | 6,317 |
| Net charge-offs to loans | 1.7416% | 1,234 |
| Credit loss provision to net charge-offs | 75.0381% | 5,731 |
| Earnings coverage of net charge-offs (x) | -0.0304% | 6,157 |
| Efficiency ratio | 100.9033% | 751 |
| Assets per employee ($millions) | 3.7744% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9835% | 885 |
| Loan loss allowance to noncurrent loans | 18.7922% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 17.3820% | 110 |
| Noncurrent loans to loans | 15.8761% | 131 |
| Net loans and leases to total assets | 57.5509% | 5,102 |
| Net loans and leases to deposits | 65.7339% | 5,436 |
| Net loans and leases to core deposits | 73.0069% | 5,097 |
| Total domestic deposits to total assets | 87.5512% | 2,515 |
| Equity capital to assets | 11.5374% | 2,231 |
| Core capital (leverage) ratio | 11.4391% | 1,868 |
| Tier 1 risk-based capital ratio | 17.1193% | 2,304 |
| Total risk-based capital ratio | 18.3856% | 2,263 |
| Memoranda: | ||
| Average total assets | $57,317,200 | 6,297 |
| Average earning assets | $48,234,000 | 6,422 |
| Average equity | $6,991,400 | 6,037 |
| Average total loans | $37,723,800 | 6,027 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5596% | 307 |
| Cost of funding earning assets | 1.7870% | 1,469 |
| Net interest margin | 4.7727% | 716 |
| Noninterest income to average assets | 1.0320% | 1,364 |
| Noninterest expense to average assets | 3.8729% | 1,240 |
| Loan and lease loss provision to assets | 1.0134% | 1,459 |
| Net operating income to assets | 0.1345% | 5,677 |
| Return on assets (ROA) | 0.1345% | 5,840 |
| Pretax return on assets | 0.1345% | 5,862 |
| Return on Equity (ROE) | 1.0882% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.0882% | 5,378 |
| Net charge-offs to loans | 2.1328% | 866 |
| Credit loss provision to net charge-offs | 70.4839% | 5,407 |
| Earnings coverage of net charge-offs (x) | 0.7984% | 5,251 |
| Efficiency ratio | 77.1363% | 2,748 |
| Assets per employee ($millions) | 3.5739% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6652% | 1,122 |
| Loan loss allowance to noncurrent loans | 40.2704% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 13.2207% | 219 |
| Noncurrent loans to loans | 6.6182% | 890 |
| Net loans and leases to total assets | 62.7809% | 4,371 |
| Net loans and leases to deposits | 72.2276% | 4,808 |
| Net loans and leases to core deposits | 80.8941% | 4,397 |
| Total domestic deposits to total assets | 86.9209% | 2,578 |
| Equity capital to assets | 12.1645% | 2,049 |
| Core capital (leverage) ratio | 12.3564% | 1,475 |
| Tier 1 risk-based capital ratio | 16.7192% | 2,454 |
| Total risk-based capital ratio | 17.9823% | 2,411 |
| Memoranda: | ||
| Average total assets | $57,492,500 | 6,373 |
| Average earning assets | $48,050,250 | 6,506 |
| Average equity | $7,106,250 | 6,075 |
| Average total loans | $38,758,500 | 6,054 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4145% | 398 |
| Cost of funding earning assets | 1.8561% | 1,402 |
| Net interest margin | 4.5584% | 1,088 |
| Noninterest income to average assets | 2.2745% | 294 |
| Noninterest expense to average assets | 3.8579% | 1,253 |
| Loan and lease loss provision to assets | 0.9063% | 1,606 |
| Net operating income to assets | 1.2883% | 1,333 |
| Return on assets (ROA) | 1.2883% | 1,393 |
| Pretax return on assets | 1.2883% | 2,127 |
| Return on Equity (ROE) | 10.3684% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.3684% | 774 |
| Net charge-offs to loans | 0.3199% | 3,722 |
| Credit loss provision to net charge-offs | 414.2857% | 881 |
| Earnings coverage of net charge-offs (x) | 10.0317% | 1,944 |
| Efficiency ratio | 63.7407% | 5,380 |
| Assets per employee ($millions) | 3.7595% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4273% | 584 |
| Loan loss allowance to noncurrent loans | 40.9733% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 15.6529% | 120 |
| Noncurrent loans to loans | 8.3647% | 604 |
| Net loans and leases to total assets | 68.1551% | 3,325 |
| Net loans and leases to deposits | 79.0481% | 3,789 |
| Net loans and leases to core deposits | 89.4729% | 3,348 |
| Total domestic deposits to total assets | 86.2197% | 2,957 |
| Equity capital to assets | 12.8830% | 1,615 |
| Core capital (leverage) ratio | 12.6794% | 1,333 |
| Tier 1 risk-based capital ratio | 16.2646% | 2,566 |
| Total risk-based capital ratio | 17.5368% | 2,510 |
| Memoranda: | ||
| Average total assets | $57,595,670 | 6,408 |
| Average earning assets | $47,735,670 | 6,558 |
| Average equity | $7,156,330 | 6,089 |
| Average total loans | $39,383,670 | 6,071 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2681% | 558 |
| Cost of funding earning assets | 1.9215% | 1,366 |
| Net interest margin | 4.3465% | 1,544 |
| Noninterest income to average assets | 5.6360% | 126 |
| Noninterest expense to average assets | 4.6119% | 509 |
| Loan and lease loss provision to assets | 1.7183% | 658 |
| Net operating income to assets | 2.8661% | 103 |
| Return on assets (ROA) | 2.8661% | 109 |
| Pretax return on assets | 2.8661% | 153 |
| Return on Equity (ROE) | 23.4863% | 209 |
| Retained earnings to average equity (ytd only) | 23.4863% | 123 |
| Net charge-offs to loans | 0.0715% | 4,704 |
| Credit loss provision to net charge-offs | 3,571.4286% | 134 |
| Earnings coverage of net charge-offs (x) | 95.2857% | 340 |
| Efficiency ratio | 50.1495% | 7,307 |
| Assets per employee ($millions) | 3.6542% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6169% | 497 |
| Loan loss allowance to noncurrent loans | 40.7225% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 15.9064% | 117 |
| Noncurrent loans to loans | 8.8818% | 554 |
| Net loans and leases to total assets | 64.2191% | 4,287 |
| Net loans and leases to deposits | 74.0908% | 4,727 |
| Net loans and leases to core deposits | 85.0037% | 4,052 |
| Total domestic deposits to total assets | 86.6762% | 2,797 |
| Equity capital to assets | 12.5028% | 1,761 |
| Core capital (leverage) ratio | 12.6368% | 1,352 |
| Tier 1 risk-based capital ratio | 16.4406% | 2,475 |
| Total risk-based capital ratio | 17.7139% | 2,420 |
| Memoranda: | ||
| Average total assets | $58,197,500 | 6,462 |
| Average earning assets | $47,670,000 | 6,641 |
| Average equity | $7,102,000 | 6,162 |
| Average total loans | $39,176,500 | 6,159 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9551% | 2,036 |
| Cost of funding earning assets | 2.6135% | 751 |
| Net interest margin | 3.3416% | 5,578 |
| Noninterest income to average assets | -0.3936% | 7,921 |
| Noninterest expense to average assets | 3.0178% | 4,082 |
| Loan and lease loss provision to assets | 3.7727% | 384 |
| Net operating income to assets | -2.7549% | 7,338 |
| Return on assets (ROA) | -2.7549% | 7,350 |
| Pretax return on assets | -4.2631% | 7,587 |
| Return on Equity (ROE) | -23.1172% | 7,236 |
| Retained earnings to average equity (ytd only) | -23.1172% | 7,205 |
| Net charge-offs to loans | 5.9901% | 172 |
| Credit loss provision to net charge-offs | 81.2045% | 6,259 |
| Earnings coverage of net charge-offs (x) | -0.1056% | 6,339 |
| Efficiency ratio | 119.4039% | 617 |
| Assets per employee ($millions) | 4.1377% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9571% | 803 |
| Loan loss allowance to noncurrent loans | 28.9945% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 18.4022% | 76 |
| Noncurrent loans to loans | 10.1987% | 393 |
| Net loans and leases to total assets | 65.9992% | 4,150 |
| Net loans and leases to deposits | 75.4932% | 4,819 |
| Net loans and leases to core deposits | 96.3557% | 4,419 |
| Total domestic deposits to total assets | 87.4240% | 2,255 |
| Equity capital to assets | 11.9010% | 2,082 |
| Core capital (leverage) ratio | 11.1179% | 2,158 |
| Tier 1 risk-based capital ratio | 15.0222% | 2,926 |
| Total risk-based capital ratio | 16.2888% | 2,872 |
| Memoranda: | ||
| Average total assets | $65,046,800 | 6,164 |
| Average earning assets | $56,859,200 | 6,255 |
| Average equity | $7,751,800 | 6,013 |
| Average total loans | $50,449,800 | 5,643 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0900% | 1,683 |
| Cost of funding earning assets | 2.6924% | 805 |
| Net interest margin | 3.3975% | 5,276 |
| Noninterest income to average assets | 0.1437% | 7,147 |
| Noninterest expense to average assets | 2.8351% | 4,742 |
| Loan and lease loss provision to assets | 4.8961% | 179 |
| Net operating income to assets | -2.8411% | 7,554 |
| Return on assets (ROA) | -2.8411% | 7,556 |
| Pretax return on assets | -4.5689% | 7,763 |
| Return on Equity (ROE) | -23.8333% | 7,483 |
| Retained earnings to average equity (ytd only) | -23.8333% | 7,458 |
| Net charge-offs to loans | 4.7105% | 259 |
| Credit loss provision to net charge-offs | 130.5319% | 3,835 |
| Earnings coverage of net charge-offs (x) | 0.0872% | 5,959 |
| Efficiency ratio | 89.6530% | 1,720 |
| Assets per employee ($millions) | 5.0156% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1407% | 125 |
| Loan loss allowance to noncurrent loans | 35.0867% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 19.8610% | 48 |
| Noncurrent loans to loans | 14.6513% | 156 |
| Net loans and leases to total assets | 65.3175% | 4,573 |
| Net loans and leases to deposits | 74.0949% | 5,351 |
| Net loans and leases to core deposits | 96.1898% | 4,792 |
| Total domestic deposits to total assets | 88.1539% | 1,591 |
| Equity capital to assets | 11.1421% | 2,884 |
| Core capital (leverage) ratio | 11.6266% | 2,005 |
| Tier 1 risk-based capital ratio | 14.2846% | 3,393 |
| Total risk-based capital ratio | 15.5757% | 3,317 |
| Memoranda: | ||
| Average total assets | $66,826,500 | 6,164 |
| Average earning assets | $59,375,000 | 6,192 |
| Average equity | $7,966,250 | 5,992 |
| Average total loans | $53,213,000 | 5,583 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2307% | 1,382 |
| Cost of funding earning assets | 2.8318% | 726 |
| Net interest margin | 3.3988% | 5,177 |
| Noninterest income to average assets | -0.0356% | 8,000 |
| Noninterest expense to average assets | 2.4344% | 6,359 |
| Loan and lease loss provision to assets | 3.5447% | 402 |
| Net operating income to assets | -2.9361% | 7,663 |
| Return on assets (ROA) | -2.9361% | 7,660 |
| Pretax return on assets | -2.9361% | 7,558 |
| Return on Equity (ROE) | -24.1220% | 7,611 |
| Retained earnings to average equity (ytd only) | -24.1220% | 7,575 |
| Net charge-offs to loans | 2.5221% | 681 |
| Credit loss provision to net charge-offs | 169.1218% | 2,722 |
| Earnings coverage of net charge-offs (x) | 0.2904% | 5,386 |
| Efficiency ratio | 80.0000% | 3,042 |
| Assets per employee ($millions) | 4.6364% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3282% | 201 |
| Loan loss allowance to noncurrent loans | 26.7784% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 17.8416% | 64 |
| Noncurrent loans to loans | 16.1629% | 108 |
| Net loans and leases to total assets | 75.6340% | 2,279 |
| Net loans and leases to deposits | 86.4255% | 3,472 |
| Net loans and leases to core deposits | 113.8834% | 2,919 |
| Total domestic deposits to total assets | 87.5135% | 2,010 |
| Equity capital to assets | 11.8549% | 2,290 |
| Core capital (leverage) ratio | 11.3847% | 2,140 |
| Tier 1 risk-based capital ratio | 14.2003% | 3,398 |
| Total risk-based capital ratio | 15.4848% | 3,319 |
| Memoranda: | ||
| Average total assets | $67,367,670 | 6,177 |
| Average earning assets | $61,020,670 | 6,182 |
| Average equity | $8,200,000 | 5,951 |
| Average total loans | $55,985,000 | 5,503 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3958% | 1,072 |
| Cost of funding earning assets | 2.9847% | 623 |
| Net interest margin | 3.4111% | 5,094 |
| Noninterest income to average assets | -0.2799% | 8,177 |
| Noninterest expense to average assets | 2.3558% | 6,350 |
| Loan and lease loss provision to assets | 3.1838% | 341 |
| Net operating income to assets | -2.6940% | 7,800 |
| Return on assets (ROA) | -2.6940% | 7,797 |
| Pretax return on assets | -2.6940% | 7,700 |
| Return on Equity (ROE) | -21.8634% | 7,791 |
| Retained earnings to average equity (ytd only) | -21.8634% | 7,695 |
| Net charge-offs to loans | 0.2195% | 3,322 |
| Credit loss provision to net charge-offs | 1,706.2500% | 370 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,447 |
| Efficiency ratio | 82.7869% | 2,439 |
| Assets per employee ($millions) | 5.0374% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8861% | 242 |
| Loan loss allowance to noncurrent loans | 29.3403% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 11.2006% | 172 |
| Noncurrent loans to loans | 13.2449% | 139 |
| Net loans and leases to total assets | 78.7686% | 1,632 |
| Net loans and leases to deposits | 89.8766% | 2,951 |
| Net loans and leases to core deposits | 121.9887% | 2,259 |
| Total domestic deposits to total assets | 87.6409% | 1,905 |
| Equity capital to assets | 11.6586% | 2,474 |
| Core capital (leverage) ratio | 11.5065% | 2,143 |
| Tier 1 risk-based capital ratio | 14.0676% | 3,546 |
| Total risk-based capital ratio | 15.3495% | 3,458 |
| Memoranda: | ||
| Average total assets | $68,596,500 | 6,151 |
| Average earning assets | $62,854,000 | 6,146 |
| Average equity | $8,452,500 | 5,902 |
| Average total loans | $58,320,000 | 5,432 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4047% | 114 |
| Cost of funding earning assets | 3.0553% | 1,659 |
| Net interest margin | 5.3494% | 262 |
| Noninterest income to average assets | 0.2830% | 6,442 |
| Noninterest expense to average assets | 3.4154% | 2,627 |
| Loan and lease loss provision to assets | 1.4983% | 902 |
| Net operating income to assets | 0.2290% | 5,761 |
| Return on assets (ROA) | 0.2290% | 5,587 |
| Pretax return on assets | 0.3010% | 5,509 |
| Return on Equity (ROE) | 1.6069% | 5,737 |
| Retained earnings to average equity (ytd only) | 1.0216% | 4,614 |
| Net charge-offs to loans | 0.4338% | 2,656 |
| Credit loss provision to net charge-offs | 407.1111% | 1,076 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 3,825 |
| Efficiency ratio | 65.4956% | 5,223 |
| Assets per employee ($millions) | 4.4447% | 2,708 |
| Cash dividends to net income (ytd only)* | 36.4286% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9451% | 459 |
| Loan loss allowance to noncurrent loans | 30.3556% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 9.2785% | 204 |
| Noncurrent loans to loans | 9.7019% | 223 |
| Net loans and leases to total assets | 85.6622% | 648 |
| Net loans and leases to deposits | 99.4636% | 1,910 |
| Net loans and leases to core deposits | 128.1636% | 1,989 |
| Total domestic deposits to total assets | 86.1242% | 2,345 |
| Equity capital to assets | 13.0238% | 1,773 |
| Core capital (leverage) ratio | 12.5826% | 1,714 |
| Tier 1 risk-based capital ratio | 14.3963% | 3,341 |
| Total risk-based capital ratio | 15.6665% | 3,246 |
| Memoranda: | ||
| Average total assets | $61,135,000 | 6,348 |
| Average earning assets | $56,361,600 | 6,327 |
| Average equity | $8,712,200 | 5,837 |
| Average total loans | $51,873,000 | 5,625 |