Home > Holmes County Bank > Performance and Condition Ratios
Holmes County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 3,395 |
| Cost of funding earning assets | 1.6910% | 1,470 |
| Net interest margin | 2.6368% | 3,918 |
| Noninterest income to average assets | 2.4300% | 222 |
| Noninterest expense to average assets | 2.7267% | 1,672 |
| Loan and lease loss provision to assets | -0.1300% | 4,536 |
| Net operating income to assets | 2.2001% | 336 |
| Return on assets (ROA) | 2.0669% | 412 |
| Pretax return on assets | 2.0669% | 612 |
| Return on Equity (ROE) | 28.2000% | 211 |
| Retained earnings to average equity (ytd only) | 17.2455% | 212 |
| Net charge-offs to loans | 0.0450% | 1,439 |
| Credit loss provision to net charge-offs | -686.2069% | 4,552 |
| Earnings coverage of net charge-offs (x) | 106.5172% | 874 |
| Efficiency ratio | 56.8816% | 3,409 |
| Assets per employee ($millions) | 6.0140% | 2,811 |
| Cash dividends to net income (ytd only)* | 38.8475% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 783 |
| Loan loss allowance to noncurrent loans | 172.8296% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 1,078 |
| Noncurrent loans to loans | 0.9460% | 784 |
| Net loans and leases to total assets | 43.0200% | 3,935 |
| Net loans and leases to deposits | 47.9846% | 3,994 |
| Net loans and leases to core deposits | 55.6083% | 3,928 |
| Total domestic deposits to total assets | 89.6500% | 858 |
| Equity capital to assets | 8.5794% | 2,993 |
| Core capital (leverage) ratio | 13.5132% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4621% | 353 |
| Memoranda: | ||
| Average total assets | $149,449,200 | 3,371 |
| Average earning assets | $134,177,000 | 3,402 |
| Average equity | $10,953,600 | 3,618 |
| Average total loans | $64,426,200 | 3,638 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 3,415 |
| Cost of funding earning assets | 1.6724% | 1,231 |
| Net interest margin | 2.5589% | 4,080 |
| Noninterest income to average assets | 2.6900% | 217 |
| Noninterest expense to average assets | 2.7073% | 1,636 |
| Loan and lease loss provision to assets | -0.1800% | 4,583 |
| Net operating income to assets | 2.4517% | 280 |
| Return on assets (ROA) | 2.2739% | 330 |
| Pretax return on assets | 2.2739% | 502 |
| Return on Equity (ROE) | 32.4200% | 186 |
| Retained earnings to average equity (ytd only) | 32.4178% | 72 |
| Net charge-offs to loans | 0.0312% | 1,456 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,603 |
| Earnings coverage of net charge-offs (x) | 169.6667% | 669 |
| Efficiency ratio | 54.3498% | 3,562 |
| Assets per employee ($millions) | 5.8659% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 724 |
| Loan loss allowance to noncurrent loans | 189.5470% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 1,152 |
| Noncurrent loans to loans | 0.8894% | 928 |
| Net loans and leases to total assets | 43.2700% | 3,942 |
| Net loans and leases to deposits | 47.8519% | 4,014 |
| Net loans and leases to core deposits | 55.1310% | 3,895 |
| Total domestic deposits to total assets | 90.4200% | 834 |
| Equity capital to assets | 7.7444% | 3,212 |
| Core capital (leverage) ratio | 13.9049% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5877% | 331 |
| Memoranda: | ||
| Average total assets | $149,224,250 | 3,379 |
| Average earning assets | $133,856,500 | 3,412 |
| Average equity | $10,467,250 | 3,669 |
| Average total loans | $64,094,500 | 3,650 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,557 |
| Cost of funding earning assets | 1.5737% | 1,119 |
| Net interest margin | 2.4937% | 4,212 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.6825% | 1,682 |
| Loan and lease loss provision to assets | -0.2700% | 4,623 |
| Net operating income to assets | 0.2825% | 4,179 |
| Return on assets (ROA) | 0.0173% | 4,440 |
| Pretax return on assets | 0.0173% | 4,436 |
| Return on Equity (ROE) | 0.2600% | 4,420 |
| Retained earnings to average equity (ytd only) | 0.2556% | 4,032 |
| Net charge-offs to loans | 0.0281% | 1,325 |
| Credit loss provision to net charge-offs | -2,222.2222% | 4,643 |
| Earnings coverage of net charge-offs (x) | 1.4444% | 2,365 |
| Efficiency ratio | 99.3583% | 180 |
| Assets per employee ($millions) | 5.9224% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 679 |
| Loan loss allowance to noncurrent loans | 204.4860% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 1,146 |
| Noncurrent loans to loans | 0.8558% | 889 |
| Net loans and leases to total assets | 41.4800% | 3,986 |
| Net loans and leases to deposits | 45.4172% | 4,058 |
| Net loans and leases to core deposits | 51.9865% | 3,954 |
| Total domestic deposits to total assets | 91.3400% | 543 |
| Equity capital to assets | 6.9128% | 3,839 |
| Core capital (leverage) ratio | 12.2927% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1416% | 423 |
| Memoranda: | ||
| Average total assets | $150,083,000 | 3,378 |
| Average earning assets | $134,336,000 | 3,419 |
| Average equity | $10,170,667 | 3,722 |
| Average total loans | $63,945,667 | 3,656 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 3,811 |
| Cost of funding earning assets | 1.4537% | 934 |
| Net interest margin | 2.3697% | 4,404 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.7426% | 1,564 |
| Loan and lease loss provision to assets | -0.5300% | 4,660 |
| Net operating income to assets | 0.3706% | 4,134 |
| Return on assets (ROA) | -0.1562% | 4,527 |
| Pretax return on assets | -0.1562% | 4,513 |
| Return on Equity (ROE) | -2.3300% | 4,512 |
| Retained earnings to average equity (ytd only) | -2.3278% | 4,221 |
| Net charge-offs to loans | 0.0866% | 646 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,660 |
| Earnings coverage of net charge-offs (x) | -4.2143% | 4,656 |
| Efficiency ratio | 106.0389% | 123 |
| Assets per employee ($millions) | 6.1390% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7295% | 760 |
| Loan loss allowance to noncurrent loans | 176.2136% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 1,009 |
| Noncurrent loans to loans | 0.9815% | 751 |
| Net loans and leases to total assets | 40.3200% | 4,029 |
| Net loans and leases to deposits | 43.9859% | 4,100 |
| Net loans and leases to core deposits | 49.9008% | 3,995 |
| Total domestic deposits to total assets | 91.6600% | 602 |
| Equity capital to assets | 6.7458% | 3,943 |
| Core capital (leverage) ratio | 12.0591% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5553% | 469 |
| Memoranda: | ||
| Average total assets | $151,095,000 | 3,415 |
| Average earning assets | $135,378,000 | 3,456 |
| Average equity | $10,138,500 | 3,768 |
| Average total loans | $64,661,500 | 3,684 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 3,685 |
| Cost of funding earning assets | 0.4110% | 2,007 |
| Net interest margin | 2.8486% | 3,793 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.6073% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5845% | 3,915 |
| Return on assets (ROA) | 0.5697% | 3,909 |
| Pretax return on assets | 0.5697% | 4,077 |
| Return on Equity (ROE) | 6.8000% | 3,673 |
| Retained earnings to average equity (ytd only) | 2.9087% | 3,747 |
| Net charge-offs to loans | 0.0068% | 2,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 618 |
| Efficiency ratio | 81.6878% | 612 |
| Assets per employee ($millions) | 5.9486% | 2,811 |
| Cash dividends to net income (ytd only)* | 57.2104% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9637% | 465 |
| Loan loss allowance to noncurrent loans | 276.6454% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 1,184 |
| Noncurrent loans to loans | 0.7098% | 1,059 |
| Net loans and leases to total assets | 43.7400% | 3,907 |
| Net loans and leases to deposits | 49.0149% | 3,934 |
| Net loans and leases to core deposits | 57.0325% | 3,675 |
| Total domestic deposits to total assets | 89.2400% | 1,650 |
| Equity capital to assets | 6.6731% | 3,829 |
| Core capital (leverage) ratio | 12.4807% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4369% | 451 |
| Memoranda: | ||
| Average total assets | $148,508,000 | 3,455 |
| Average earning assets | $132,348,000 | 3,503 |
| Average equity | $12,445,600 | 3,625 |
| Average total loans | $59,097,400 | 3,747 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1182% | 3,634 |
| Cost of funding earning assets | 0.3005% | 2,161 |
| Net interest margin | 2.8177% | 3,697 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.5848% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5829% | 3,875 |
| Return on assets (ROA) | 0.5631% | 3,883 |
| Pretax return on assets | 0.5631% | 4,049 |
| Return on Equity (ROE) | 6.3900% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.1391% | 3,050 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.5991% | 677 |
| Assets per employee ($millions) | 5.8732% | 2,875 |
| Cash dividends to net income (ytd only)* | 19.6172% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0752% | 435 |
| Loan loss allowance to noncurrent loans | 93.2240% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0720% | 410 |
| Noncurrent loans to loans | 2.2260% | 261 |
| Net loans and leases to total assets | 42.0000% | 3,985 |
| Net loans and leases to deposits | 46.3373% | 4,010 |
| Net loans and leases to core deposits | 50.3005% | 3,929 |
| Total domestic deposits to total assets | 90.6500% | 1,385 |
| Equity capital to assets | 6.3059% | 3,840 |
| Core capital (leverage) ratio | 12.3973% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2519% | 419 |
| Memoranda: | ||
| Average total assets | $148,456,000 | 3,483 |
| Average earning assets | $132,209,250 | 3,520 |
| Average equity | $13,076,000 | 3,606 |
| Average total loans | $57,282,750 | 3,798 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0097% | 3,538 |
| Cost of funding earning assets | 0.2130% | 2,731 |
| Net interest margin | 2.7966% | 3,457 |
| Noninterest income to average assets | 0.6658% | 1,478 |
| Noninterest expense to average assets | 2.5437% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6067% | 3,610 |
| Return on assets (ROA) | 0.5758% | 3,639 |
| Pretax return on assets | 0.5758% | 3,860 |
| Return on Equity (ROE) | 5.9798% | 3,578 |
| Retained earnings to average equity (ytd only) | 4.2653% | 2,988 |
| Net charge-offs to loans | 0.0072% | 1,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 503 |
| Efficiency ratio | 80.7414% | 891 |
| Assets per employee ($millions) | 6.1789% | 2,586 |
| Cash dividends to net income (ytd only)* | 28.6713% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1784% | 395 |
| Loan loss allowance to noncurrent loans | 81.6646% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1936% | 358 |
| Noncurrent loans to loans | 2.6675% | 209 |
| Net loans and leases to total assets | 39.5177% | 4,095 |
| Net loans and leases to deposits | 44.0855% | 4,113 |
| Net loans and leases to core deposits | 47.8579% | 4,030 |
| Total domestic deposits to total assets | 89.6388% | 1,876 |
| Equity capital to assets | 8.0449% | 3,087 |
| Core capital (leverage) ratio | 12.1869% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6858% | 383 |
| Memoranda: | ||
| Average total assets | $148,997,667 | 3,512 |
| Average earning assets | $132,372,667 | 3,569 |
| Average equity | $14,348,333 | 3,555 |
| Average total loans | $55,383,000 | 3,873 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8072% | 3,735 |
| Cost of funding earning assets | 0.1728% | 3,187 |
| Net interest margin | 2.6344% | 3,570 |
| Noninterest income to average assets | 0.4607% | 2,352 |
| Noninterest expense to average assets | 2.2471% | 2,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5410% | 3,592 |
| Return on assets (ROA) | 0.5410% | 3,557 |
| Pretax return on assets | 0.5410% | 3,782 |
| Return on Equity (ROE) | 5.1936% | 3,570 |
| Retained earnings to average equity (ytd only) | 2.0312% | 3,529 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5956% | 1,101 |
| Assets per employee ($millions) | 6.3296% | 2,524 |
| Cash dividends to net income (ytd only)* | 60.8911% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4256% | 306 |
| Loan loss allowance to noncurrent loans | 101.0046% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 535 |
| Noncurrent loans to loans | 2.4015% | 259 |
| Net loans and leases to total assets | 34.6097% | 4,281 |
| Net loans and leases to deposits | 38.6941% | 4,295 |
| Net loans and leases to core deposits | 41.9240% | 4,243 |
| Total domestic deposits to total assets | 89.4445% | 1,845 |
| Equity capital to assets | 9.0849% | 2,638 |
| Core capital (leverage) ratio | 11.9389% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6137% | 312 |
| Memoranda: | ||
| Average total assets | $149,350,000 | 3,524 |
| Average earning assets | $131,945,500 | 3,595 |
| Average equity | $15,557,500 | 3,509 |
| Average total loans | $53,121,000 | 3,920 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1229% | 3,639 |
| Cost of funding earning assets | 0.1807% | 3,652 |
| Net interest margin | 2.9423% | 3,342 |
| Noninterest income to average assets | 1.9258% | 339 |
| Noninterest expense to average assets | 2.7958% | 1,371 |
| Loan and lease loss provision to assets | 0.4417% | 140 |
| Net operating income to assets | 1.3237% | 1,539 |
| Return on assets (ROA) | 1.4552% | 1,194 |
| Pretax return on assets | 1.4552% | 1,863 |
| Return on Equity (ROE) | 11.7830% | 1,885 |
| Retained earnings to average equity (ytd only) | 7.4337% | 1,750 |
| Net charge-offs to loans | 0.1077% | 817 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 49.9600% | 1,296 |
| Efficiency ratio | 61.2953% | 2,968 |
| Assets per employee ($millions) | 6.6722% | 2,179 |
| Cash dividends to net income (ytd only)* | 36.9111% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4962% | 282 |
| Loan loss allowance to noncurrent loans | 91.5907% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 483 |
| Noncurrent loans to loans | 2.7254% | 235 |
| Net loans and leases to total assets | 34.7792% | 4,342 |
| Net loans and leases to deposits | 40.1545% | 4,333 |
| Net loans and leases to core deposits | 42.9912% | 4,301 |
| Total domestic deposits to total assets | 86.6134% | 2,660 |
| Equity capital to assets | 11.7952% | 1,347 |
| Core capital (leverage) ratio | 12.9984% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8436% | 318 |
| Memoranda: | ||
| Average total assets | $141,496,000 | 3,570 |
| Average earning assets | $126,739,600 | 3,610 |
| Average equity | $17,474,400 | 3,428 |
| Average total loans | $46,421,600 | 4,063 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1861% | 3,629 |
| Cost of funding earning assets | 0.1662% | 3,959 |
| Net interest margin | 3.0200% | 3,258 |
| Noninterest income to average assets | 2.4179% | 252 |
| Noninterest expense to average assets | 2.8440% | 1,231 |
| Loan and lease loss provision to assets | 0.0235% | 2,523 |
| Net operating income to assets | 2.2467% | 294 |
| Return on assets (ROA) | 2.4236% | 246 |
| Pretax return on assets | 2.4236% | 379 |
| Return on Equity (ROE) | 19.3968% | 471 |
| Retained earnings to average equity (ytd only) | 19.3968% | 151 |
| Net charge-offs to loans | 0.1780% | 486 |
| Credit loss provision to net charge-offs | 41.6667% | 1,907 |
| Earnings coverage of net charge-offs (x) | 39.7833% | 1,372 |
| Efficiency ratio | 55.6072% | 3,578 |
| Assets per employee ($millions) | 6.5520% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 2,002 |
| Loan loss allowance to noncurrent loans | 48.5376% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 561 |
| Noncurrent loans to loans | 2.8984% | 235 |
| Net loans and leases to total assets | 33.8886% | 4,475 |
| Net loans and leases to deposits | 39.7795% | 4,457 |
| Net loans and leases to core deposits | 42.3781% | 4,432 |
| Total domestic deposits to total assets | 85.1911% | 3,051 |
| Equity capital to assets | 13.1855% | 931 |
| Core capital (leverage) ratio | 13.7318% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4303% | 267 |
| Memoranda: | ||
| Average total assets | $140,172,750 | 3,626 |
| Average earning assets | $125,164,250 | 3,662 |
| Average equity | $17,514,500 | 3,468 |
| Average total loans | $44,937,250 | 4,147 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1699% | 3,730 |
| Cost of funding earning assets | 0.1723% | 4,021 |
| Net interest margin | 2.9976% | 3,334 |
| Noninterest income to average assets | 0.8714% | 1,350 |
| Noninterest expense to average assets | 2.8952% | 1,154 |
| Loan and lease loss provision to assets | 0.0360% | 2,274 |
| Net operating income to assets | 0.5963% | 3,990 |
| Return on assets (ROA) | 0.7101% | 3,803 |
| Pretax return on assets | 0.7101% | 4,047 |
| Return on Equity (ROE) | 5.7941% | 3,959 |
| Retained earnings to average equity (ytd only) | 5.7941% | 2,893 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0743% | 667 |
| Assets per employee ($millions) | 6.2942% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,373 |
| Loan loss allowance to noncurrent loans | 52.0633% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.1742% | 599 |
| Noncurrent loans to loans | 3.0071% | 241 |
| Net loans and leases to total assets | 34.3716% | 4,528 |
| Net loans and leases to deposits | 39.9877% | 4,518 |
| Net loans and leases to core deposits | 41.8532% | 4,521 |
| Total domestic deposits to total assets | 85.9553% | 2,755 |
| Equity capital to assets | 12.4198% | 1,169 |
| Core capital (leverage) ratio | 12.4941% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5327% | 321 |
| Memoranda: | ||
| Average total assets | $138,849,333 | 3,647 |
| Average earning assets | $123,030,667 | 3,701 |
| Average equity | $17,017,333 | 3,509 |
| Average total loans | $43,401,333 | 4,211 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0296% | 4,022 |
| Cost of funding earning assets | 0.1840% | 4,050 |
| Net interest margin | 2.8456% | 3,653 |
| Noninterest income to average assets | 0.4546% | 2,816 |
| Noninterest expense to average assets | 2.9373% | 1,096 |
| Loan and lease loss provision to assets | 0.0575% | 1,970 |
| Net operating income to assets | -0.0489% | 4,789 |
| Return on assets (ROA) | 0.0230% | 4,775 |
| Pretax return on assets | 0.0230% | 4,776 |
| Return on Equity (ROE) | 0.1890% | 4,774 |
| Retained earnings to average equity (ytd only) | 0.1890% | 4,346 |
| Net charge-offs to loans | 0.0195% | 1,348 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 1,844 |
| Efficiency ratio | 99.7070% | 194 |
| Assets per employee ($millions) | 6.6656% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 787 |
| Loan loss allowance to noncurrent loans | 47.8011% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2438% | 585 |
| Noncurrent loans to loans | 3.8870% | 145 |
| Net loans and leases to total assets | 28.3009% | 4,742 |
| Net loans and leases to deposits | 32.6235% | 4,753 |
| Net loans and leases to core deposits | 34.1118% | 4,755 |
| Total domestic deposits to total assets | 86.7501% | 2,421 |
| Equity capital to assets | 11.6811% | 1,451 |
| Core capital (leverage) ratio | 11.9870% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1037% | 271 |
| Memoranda: | ||
| Average total assets | $139,038,000 | 3,650 |
| Average earning assets | $121,732,000 | 3,723 |
| Average equity | $16,927,000 | 3,514 |
| Average total loans | $40,926,000 | 4,282 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5246% | 3,976 |
| Cost of funding earning assets | 0.3345% | 3,953 |
| Net interest margin | 3.1901% | 3,388 |
| Noninterest income to average assets | 0.8009% | 1,526 |
| Noninterest expense to average assets | 2.8067% | 1,923 |
| Loan and lease loss provision to assets | 0.1156% | 2,905 |
| Net operating income to assets | 0.7308% | 3,333 |
| Return on assets (ROA) | 0.7369% | 3,431 |
| Pretax return on assets | 0.7369% | 3,797 |
| Return on Equity (ROE) | 5.7157% | 3,674 |
| Retained earnings to average equity (ytd only) | 2.6845% | 3,516 |
| Net charge-offs to loans | 0.2451% | 701 |
| Credit loss provision to net charge-offs | 136.3636% | 2,510 |
| Earnings coverage of net charge-offs (x) | 9.9818% | 2,495 |
| Efficiency ratio | 76.8306% | 1,135 |
| Assets per employee ($millions) | 5.1147% | 3,269 |
| Cash dividends to net income (ytd only)* | 53.0335% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 919 |
| Loan loss allowance to noncurrent loans | 44.2563% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 604 |
| Noncurrent loans to loans | 3.9868% | 141 |
| Net loans and leases to total assets | 29.5117% | 4,761 |
| Net loans and leases to deposits | 34.4401% | 4,771 |
| Net loans and leases to core deposits | 36.1476% | 4,775 |
| Total domestic deposits to total assets | 85.6899% | 2,494 |
| Equity capital to assets | 12.6743% | 1,245 |
| Core capital (leverage) ratio | 12.6566% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8803% | 249 |
| Memoranda: | ||
| Average total assets | $129,727,400 | 3,629 |
| Average earning assets | $115,985,400 | 3,680 |
| Average equity | $16,725,800 | 3,481 |
| Average total loans | $44,881,200 | 4,206 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 3,999 |
| Cost of funding earning assets | 0.3660% | 3,973 |
| Net interest margin | 3.2394% | 3,370 |
| Noninterest income to average assets | 0.5756% | 2,274 |
| Noninterest expense to average assets | 2.7233% | 2,190 |
| Loan and lease loss provision to assets | 0.1410% | 2,609 |
| Net operating income to assets | 0.6424% | 3,655 |
| Return on assets (ROA) | 0.6508% | 3,730 |
| Pretax return on assets | 0.6508% | 4,006 |
| Return on Equity (ROE) | 5.0246% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.0246% | 2,546 |
| Net charge-offs to loans | 0.1020% | 1,292 |
| Credit loss provision to net charge-offs | 385.7143% | 1,505 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,863 |
| Efficiency ratio | 77.6586% | 1,068 |
| Assets per employee ($millions) | 6.0160% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 824 |
| Loan loss allowance to noncurrent loans | 39.2468% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.5640% | 533 |
| Noncurrent loans to loans | 4.4357% | 138 |
| Net loans and leases to total assets | 33.7758% | 4,747 |
| Net loans and leases to deposits | 39.5623% | 4,760 |
| Net loans and leases to core deposits | 41.7442% | 4,753 |
| Total domestic deposits to total assets | 85.3739% | 2,289 |
| Equity capital to assets | 12.8702% | 1,242 |
| Core capital (leverage) ratio | 12.2970% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5317% | 291 |
| Memoranda: | ||
| Average total assets | $127,634,750 | 3,647 |
| Average earning assets | $115,491,750 | 3,672 |
| Average equity | $16,531,500 | 3,504 |
| Average total loans | $45,729,750 | 4,214 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 4,098 |
| Cost of funding earning assets | 0.4163% | 3,965 |
| Net interest margin | 3.2796% | 3,437 |
| Noninterest income to average assets | 0.5299% | 2,442 |
| Noninterest expense to average assets | 2.6812% | 2,442 |
| Loan and lease loss provision to assets | 0.1428% | 2,586 |
| Net operating income to assets | 0.6679% | 3,515 |
| Return on assets (ROA) | 0.6679% | 3,606 |
| Pretax return on assets | 0.6679% | 3,935 |
| Return on Equity (ROE) | 5.1454% | 3,791 |
| Retained earnings to average equity (ytd only) | 5.1454% | 2,402 |
| Net charge-offs to loans | 0.1659% | 899 |
| Credit loss provision to net charge-offs | 236.8421% | 1,786 |
| Earnings coverage of net charge-offs (x) | 13.4474% | 1,993 |
| Efficiency ratio | 76.7833% | 1,184 |
| Assets per employee ($millions) | 5.8545% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 948 |
| Loan loss allowance to noncurrent loans | 36.6142% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.7593% | 467 |
| Noncurrent loans to loans | 4.4402% | 138 |
| Net loans and leases to total assets | 34.9534% | 4,753 |
| Net loans and leases to deposits | 41.0527% | 4,768 |
| Net loans and leases to core deposits | 44.8983% | 4,738 |
| Total domestic deposits to total assets | 85.1429% | 2,334 |
| Equity capital to assets | 13.1079% | 1,119 |
| Core capital (leverage) ratio | 12.2596% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8766% | 285 |
| Memoranda: | ||
| Average total assets | $126,062,333 | 3,645 |
| Average earning assets | $113,854,000 | 3,677 |
| Average equity | $16,364,000 | 3,523 |
| Average total loans | $45,808,000 | 4,221 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 4,029 |
| Cost of funding earning assets | 0.5384% | 3,755 |
| Net interest margin | 3.3631% | 3,413 |
| Noninterest income to average assets | 0.5485% | 2,290 |
| Noninterest expense to average assets | 2.7235% | 2,646 |
| Loan and lease loss provision to assets | 0.1444% | 1,950 |
| Net operating income to assets | 0.6865% | 3,315 |
| Return on assets (ROA) | 0.6865% | 3,387 |
| Pretax return on assets | 0.6865% | 3,725 |
| Return on Equity (ROE) | 5.3153% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.3153% | 2,150 |
| Net charge-offs to loans | 0.2269% | 623 |
| Credit loss provision to net charge-offs | 173.0769% | 1,498 |
| Earnings coverage of net charge-offs (x) | 9.9615% | 1,795 |
| Efficiency ratio | 76.6245% | 1,495 |
| Assets per employee ($millions) | 5.8766% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 1,083 |
| Loan loss allowance to noncurrent loans | 64.0541% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 1,226 |
| Noncurrent loans to loans | 2.4901% | 486 |
| Net loans and leases to total assets | 33.9297% | 4,833 |
| Net loans and leases to deposits | 39.6554% | 4,840 |
| Net loans and leases to core deposits | 41.8816% | 4,845 |
| Total domestic deposits to total assets | 85.5614% | 2,188 |
| Equity capital to assets | 12.7548% | 1,587 |
| Core capital (leverage) ratio | 12.6076% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9306% | 308 |
| Memoranda: | ||
| Average total assets | $124,693,500 | 3,640 |
| Average earning assets | $111,444,000 | 3,695 |
| Average equity | $16,104,500 | 3,552 |
| Average total loans | $45,830,000 | 4,231 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 4,150 |
| Cost of funding earning assets | 0.6713% | 3,309 |
| Net interest margin | 3.3750% | 3,811 |
| Noninterest income to average assets | 1.0812% | 812 |
| Noninterest expense to average assets | 2.8450% | 2,458 |
| Loan and lease loss provision to assets | 0.2022% | 1,006 |
| Net operating income to assets | 1.0713% | 2,566 |
| Return on assets (ROA) | 1.2554% | 1,932 |
| Pretax return on assets | 1.2554% | 2,648 |
| Return on Equity (ROE) | 9.8756% | 2,351 |
| Retained earnings to average equity (ytd only) | 5.4345% | 2,200 |
| Net charge-offs to loans | 0.6377% | 279 |
| Credit loss provision to net charge-offs | 85.3659% | 2,724 |
| Earnings coverage of net charge-offs (x) | 5.3763% | 3,096 |
| Efficiency ratio | 69.0782% | 2,304 |
| Assets per employee ($millions) | 5.7191% | 1,863 |
| Cash dividends to net income (ytd only)* | 44.9704% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,307 |
| Loan loss allowance to noncurrent loans | 32.3667% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.0491% | 373 |
| Noncurrent loans to loans | 4.5409% | 125 |
| Net loans and leases to total assets | 38.6263% | 4,784 |
| Net loans and leases to deposits | 45.4342% | 4,799 |
| Net loans and leases to core deposits | 48.2014% | 4,786 |
| Total domestic deposits to total assets | 85.0161% | 2,484 |
| Equity capital to assets | 13.0880% | 1,468 |
| Core capital (leverage) ratio | 12.9773% | 1,243 |
| Tier 1 risk-based capital ratio | 26.3261% | 657 |
| Total risk-based capital ratio | 27.5026% | 647 |
| Memoranda: | ||
| Average total assets | $121,159,800 | 3,681 |
| Average earning assets | $109,037,000 | 3,727 |
| Average equity | $15,401,600 | 3,596 |
| Average total loans | $45,009,000 | 4,280 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0448% | 4,272 |
| Cost of funding earning assets | 0.6991% | 3,228 |
| Net interest margin | 3.3457% | 3,999 |
| Noninterest income to average assets | 0.8675% | 1,218 |
| Noninterest expense to average assets | 2.6836% | 2,909 |
| Loan and lease loss provision to assets | 0.1263% | 1,538 |
| Net operating income to assets | 1.0794% | 2,654 |
| Return on assets (ROA) | 1.3242% | 1,821 |
| Pretax return on assets | 1.3242% | 2,588 |
| Return on Equity (ROE) | 10.4943% | 2,216 |
| Retained earnings to average equity (ytd only) | 10.4943% | 630 |
| Net charge-offs to loans | 0.0510% | 2,099 |
| Credit loss provision to net charge-offs | 676.4706% | 495 |
| Earnings coverage of net charge-offs (x) | 64.5770% | 1,012 |
| Efficiency ratio | 69.0006% | 2,259 |
| Assets per employee ($millions) | 5.7170% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8669% | 582 |
| Loan loss allowance to noncurrent loans | 32.2481% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.4930% | 280 |
| Noncurrent loans to loans | 5.7892% | 79 |
| Net loans and leases to total assets | 36.4274% | 4,920 |
| Net loans and leases to deposits | 43.1630% | 4,930 |
| Net loans and leases to core deposits | 45.6929% | 4,926 |
| Total domestic deposits to total assets | 84.3950% | 2,679 |
| Equity capital to assets | 13.5926% | 1,318 |
| Core capital (leverage) ratio | 13.1230% | 1,293 |
| Tier 1 risk-based capital ratio | 27.6689% | 596 |
| Total risk-based capital ratio | 28.9220% | 584 |
| Memoranda: | ||
| Average total assets | $121,424,250 | 3,710 |
| Average earning assets | $109,669,750 | 3,757 |
| Average equity | $15,322,250 | 3,644 |
| Average total loans | $44,490,500 | 4,349 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 4,440 |
| Cost of funding earning assets | 0.7076% | 3,127 |
| Net interest margin | 3.2602% | 4,221 |
| Noninterest income to average assets | 1.0289% | 822 |
| Noninterest expense to average assets | 2.7092% | 2,873 |
| Loan and lease loss provision to assets | 0.1149% | 1,634 |
| Net operating income to assets | 1.1536% | 2,315 |
| Return on assets (ROA) | 1.1799% | 2,298 |
| Pretax return on assets | 1.1799% | 2,972 |
| Return on Equity (ROE) | 9.5931% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.5931% | 884 |
| Net charge-offs to loans | 0.0900% | 1,468 |
| Credit loss provision to net charge-offs | 350.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 38.6500% | 1,269 |
| Efficiency ratio | 68.1106% | 2,517 |
| Assets per employee ($millions) | 6.1527% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 794 |
| Loan loss allowance to noncurrent loans | 29.4405% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.4363% | 312 |
| Noncurrent loans to loans | 5.8268% | 73 |
| Net loans and leases to total assets | 36.5035% | 4,959 |
| Net loans and leases to deposits | 42.8437% | 4,978 |
| Net loans and leases to core deposits | 46.0212% | 4,959 |
| Total domestic deposits to total assets | 85.2016% | 2,387 |
| Equity capital to assets | 12.8943% | 1,642 |
| Core capital (leverage) ratio | 12.2994% | 1,637 |
| Tier 1 risk-based capital ratio | 26.1037% | 681 |
| Total risk-based capital ratio | 27.3540% | 668 |
| Memoranda: | ||
| Average total assets | $121,879,670 | 3,731 |
| Average earning assets | $110,238,670 | 3,768 |
| Average equity | $14,990,000 | 3,680 |
| Average total loans | $44,465,330 | 4,373 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 4,648 |
| Cost of funding earning assets | 0.6836% | 3,134 |
| Net interest margin | 3.1526% | 4,493 |
| Noninterest income to average assets | 1.4247% | 425 |
| Noninterest expense to average assets | 2.7735% | 2,669 |
| Loan and lease loss provision to assets | 0.0824% | 2,051 |
| Net operating income to assets | 1.4280% | 1,297 |
| Return on assets (ROA) | 1.4609% | 1,230 |
| Pretax return on assets | 1.4609% | 1,884 |
| Return on Equity (ROE) | 12.1774% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.1774% | 582 |
| Net charge-offs to loans | 0.0730% | 1,332 |
| Credit loss provision to net charge-offs | 312.5000% | 797 |
| Earnings coverage of net charge-offs (x) | 57.2500% | 939 |
| Efficiency ratio | 64.7421% | 3,125 |
| Assets per employee ($millions) | 5.9905% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 766 |
| Loan loss allowance to noncurrent loans | 31.8220% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.0302% | 475 |
| Noncurrent loans to loans | 5.5227% | 89 |
| Net loans and leases to total assets | 33.3718% | 5,088 |
| Net loans and leases to deposits | 38.7024% | 5,099 |
| Net loans and leases to core deposits | 41.4629% | 5,088 |
| Total domestic deposits to total assets | 86.2267% | 2,171 |
| Equity capital to assets | 11.9729% | 2,034 |
| Core capital (leverage) ratio | 12.5159% | 1,505 |
| Tier 1 risk-based capital ratio | 26.4699% | 657 |
| Total risk-based capital ratio | 27.7205% | 648 |
| Memoranda: | ||
| Average total assets | $121,292,500 | 3,784 |
| Average earning assets | $110,003,500 | 3,816 |
| Average equity | $14,551,500 | 3,734 |
| Average total loans | $43,846,500 | 4,433 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,301 |
| Cost of funding earning assets | 0.5868% | 2,811 |
| Net interest margin | 3.3013% | 4,257 |
| Noninterest income to average assets | 0.8597% | 1,291 |
| Noninterest expense to average assets | 2.9816% | 2,092 |
| Loan and lease loss provision to assets | 0.1300% | 1,697 |
| Net operating income to assets | 0.7255% | 4,056 |
| Return on assets (ROA) | 0.7297% | 4,046 |
| Pretax return on assets | 0.7297% | 4,341 |
| Return on Equity (ROE) | 6.2421% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.7049% | 4,048 |
| Net charge-offs to loans | 0.1635% | 1,179 |
| Credit loss provision to net charge-offs | 196.2025% | 1,470 |
| Earnings coverage of net charge-offs (x) | 12.9114% | 2,495 |
| Efficiency ratio | 77.7049% | 1,161 |
| Assets per employee ($millions) | 5.5611% | 1,904 |
| Cash dividends to net income (ytd only)* | 56.6667% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 958 |
| Loan loss allowance to noncurrent loans | 36.6450% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.8838% | 526 |
| Noncurrent loans to loans | 4.4551% | 141 |
| Net loans and leases to total assets | 37.8699% | 5,020 |
| Net loans and leases to deposits | 44.0388% | 5,028 |
| Net loans and leases to core deposits | 47.5753% | 4,996 |
| Total domestic deposits to total assets | 85.9921% | 2,232 |
| Equity capital to assets | 12.0231% | 1,879 |
| Core capital (leverage) ratio | 12.7402% | 1,353 |
| Tier 1 risk-based capital ratio | 25.5218% | 705 |
| Total risk-based capital ratio | 26.7728% | 688 |
| Memoranda: | ||
| Average total assets | $119,230,000 | 3,799 |
| Average earning assets | $107,532,600 | 3,845 |
| Average equity | $13,937,600 | 3,757 |
| Average total loans | $48,320,200 | 4,344 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 4,314 |
| Cost of funding earning assets | 0.5674% | 2,725 |
| Net interest margin | 3.2858% | 4,318 |
| Noninterest income to average assets | 0.9345% | 1,095 |
| Noninterest expense to average assets | 2.8303% | 2,529 |
| Loan and lease loss provision to assets | 0.0445% | 3,101 |
| Net operating income to assets | 1.0169% | 3,018 |
| Return on assets (ROA) | 1.0169% | 3,031 |
| Pretax return on assets | 1.0169% | 3,672 |
| Return on Equity (ROE) | 8.7598% | 3,211 |
| Retained earnings to average equity (ytd only) | 8.7598% | 1,321 |
| Net charge-offs to loans | 0.1817% | 924 |
| Credit loss provision to net charge-offs | 59.7015% | 2,753 |
| Earnings coverage of net charge-offs (x) | 14.2390% | 2,295 |
| Efficiency ratio | 72.7273% | 1,773 |
| Assets per employee ($millions) | 5.5639% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,198 |
| Loan loss allowance to noncurrent loans | 44.3429% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.4490% | 902 |
| Noncurrent loans to loans | 2.8865% | 394 |
| Net loans and leases to total assets | 41.6528% | 4,975 |
| Net loans and leases to deposits | 48.4495% | 5,001 |
| Net loans and leases to core deposits | 52.3419% | 4,957 |
| Total domestic deposits to total assets | 85.9717% | 2,208 |
| Equity capital to assets | 12.0667% | 1,864 |
| Core capital (leverage) ratio | 12.7080% | 1,413 |
| Tier 1 risk-based capital ratio | 24.5264% | 797 |
| Total risk-based capital ratio | 25.5455% | 794 |
| Memoranda: | ||
| Average total assets | $119,841,500 | 3,828 |
| Average earning assets | $107,854,500 | 3,876 |
| Average equity | $13,911,750 | 3,784 |
| Average total loans | $49,160,250 | 4,378 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 4,449 |
| Cost of funding earning assets | 0.5378% | 2,712 |
| Net interest margin | 3.2211% | 4,457 |
| Noninterest income to average assets | 0.6091% | 2,276 |
| Noninterest expense to average assets | 2.7242% | 2,921 |
| Loan and lease loss provision to assets | 0.0414% | 3,077 |
| Net operating income to assets | 0.7382% | 4,075 |
| Return on assets (ROA) | 0.7382% | 4,075 |
| Pretax return on assets | 0.7382% | 4,414 |
| Return on Equity (ROE) | 6.4407% | 4,082 |
| Retained earnings to average equity (ytd only) | 6.4407% | 2,340 |
| Net charge-offs to loans | 0.0529% | 1,844 |
| Credit loss provision to net charge-offs | 192.3077% | 1,339 |
| Earnings coverage of net charge-offs (x) | 36.2308% | 1,367 |
| Efficiency ratio | 77.7515% | 1,222 |
| Assets per employee ($millions) | 5.7311% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 1,942 |
| Loan loss allowance to noncurrent loans | 46.8531% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.5031% | 886 |
| Noncurrent loans to loans | 2.8841% | 405 |
| Net loans and leases to total assets | 40.6409% | 5,037 |
| Net loans and leases to deposits | 46.9014% | 5,063 |
| Net loans and leases to core deposits | 50.3547% | 5,037 |
| Total domestic deposits to total assets | 86.6519% | 1,993 |
| Equity capital to assets | 11.5302% | 2,178 |
| Core capital (leverage) ratio | 12.0527% | 1,677 |
| Tier 1 risk-based capital ratio | 23.6623% | 865 |
| Total risk-based capital ratio | 24.7395% | 858 |
| Memoranda: | ||
| Average total assets | $120,841,330 | 3,844 |
| Average earning assets | $108,596,670 | 3,900 |
| Average equity | $13,849,330 | 3,816 |
| Average total loans | $49,114,000 | 4,423 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 4,681 |
| Cost of funding earning assets | 0.4969% | 2,821 |
| Net interest margin | 3.1139% | 4,677 |
| Noninterest income to average assets | 0.5946% | 2,287 |
| Noninterest expense to average assets | 2.7088% | 3,017 |
| Loan and lease loss provision to assets | 0.0330% | 3,063 |
| Net operating income to assets | 0.6475% | 4,286 |
| Return on assets (ROA) | 0.6475% | 4,296 |
| Pretax return on assets | 0.6475% | 4,574 |
| Return on Equity (ROE) | 5.6666% | 4,257 |
| Retained earnings to average equity (ytd only) | 5.6666% | 2,862 |
| Net charge-offs to loans | 0.0246% | 2,014 |
| Credit loss provision to net charge-offs | 333.3333% | 760 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 781 |
| Efficiency ratio | 79.9220% | 1,145 |
| Assets per employee ($millions) | 5.6949% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 1,953 |
| Loan loss allowance to noncurrent loans | 32.0019% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 2.0217% | 558 |
| Noncurrent loans to loans | 4.2829% | 218 |
| Net loans and leases to total assets | 38.1952% | 5,131 |
| Net loans and leases to deposits | 43.7414% | 5,166 |
| Net loans and leases to core deposits | 46.7941% | 5,132 |
| Total domestic deposits to total assets | 87.3204% | 1,999 |
| Equity capital to assets | 10.9915% | 2,590 |
| Core capital (leverage) ratio | 11.8721% | 1,738 |
| Tier 1 risk-based capital ratio | 23.0576% | 938 |
| Total risk-based capital ratio | 24.1174% | 936 |
| Memoranda: | ||
| Average total assets | $121,085,000 | 3,888 |
| Average earning assets | $108,675,000 | 3,939 |
| Average equity | $13,835,500 | 3,849 |
| Average total loans | $48,879,500 | 4,472 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,152 |
| Cost of funding earning assets | 0.3958% | 3,297 |
| Net interest margin | 3.3725% | 3,928 |
| Noninterest income to average assets | 0.8704% | 1,353 |
| Noninterest expense to average assets | 3.1774% | 1,660 |
| Loan and lease loss provision to assets | 0.1304% | 1,760 |
| Net operating income to assets | 0.5487% | 4,230 |
| Return on assets (ROA) | 0.5704% | 4,175 |
| Pretax return on assets | 0.5704% | 4,806 |
| Return on Equity (ROE) | 4.6780% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.0252% | 4,104 |
| Net charge-offs to loans | 0.8603% | 228 |
| Credit loss provision to net charge-offs | 35.6295% | 3,485 |
| Earnings coverage of net charge-offs (x) | 1.8551% | 3,842 |
| Efficiency ratio | 82.3901% | 901 |
| Assets per employee ($millions) | 5.3128% | 2,131 |
| Cash dividends to net income (ytd only)* | 56.7073% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,041 |
| Loan loss allowance to noncurrent loans | 23.3914% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 2.5727% | 353 |
| Noncurrent loans to loans | 5.7128% | 100 |
| Net loans and leases to total assets | 41.5650% | 5,078 |
| Net loans and leases to deposits | 48.2036% | 5,119 |
| Net loans and leases to core deposits | 51.8706% | 5,071 |
| Total domestic deposits to total assets | 86.2280% | 2,338 |
| Equity capital to assets | 11.8923% | 1,914 |
| Core capital (leverage) ratio | 12.2646% | 1,466 |
| Tier 1 risk-based capital ratio | 23.1631% | 893 |
| Total risk-based capital ratio | 24.2311% | 895 |
| Memoranda: | ||
| Average total assets | $114,999,800 | 3,976 |
| Average earning assets | $101,822,400 | 4,062 |
| Average equity | $14,023,000 | 3,843 |
| Average total loans | $48,937,400 | 4,487 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,254 |
| Cost of funding earning assets | 0.3894% | 3,293 |
| Net interest margin | 3.3350% | 4,064 |
| Noninterest income to average assets | 0.6880% | 2,048 |
| Noninterest expense to average assets | 3.1723% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4668% | 4,833 |
| Return on assets (ROA) | 0.4959% | 4,778 |
| Pretax return on assets | 0.4959% | 5,038 |
| Return on Equity (ROE) | 4.0416% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.0416% | 3,516 |
| Net charge-offs to loans | 1.0042% | 170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.0897% | 3,600 |
| Efficiency ratio | 87.1721% | 558 |
| Assets per employee ($millions) | 5.3206% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,534 |
| Loan loss allowance to noncurrent loans | 19.0169% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.6860% | 368 |
| Noncurrent loans to loans | 5.7414% | 114 |
| Net loans and leases to total assets | 43.4162% | 5,057 |
| Net loans and leases to deposits | 50.5470% | 5,106 |
| Net loans and leases to core deposits | 54.4018% | 5,059 |
| Total domestic deposits to total assets | 85.8927% | 2,350 |
| Equity capital to assets | 12.2286% | 1,822 |
| Core capital (leverage) ratio | 12.7640% | 1,311 |
| Tier 1 risk-based capital ratio | 22.6679% | 974 |
| Total risk-based capital ratio | 23.5502% | 991 |
| Memoranda: | ||
| Average total assets | $114,529,250 | 4,022 |
| Average earning assets | $101,347,250 | 4,115 |
| Average equity | $14,053,750 | 3,880 |
| Average total loans | $48,861,750 | 4,534 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 4,408 |
| Cost of funding earning assets | 0.3796% | 3,295 |
| Net interest margin | 3.2571% | 4,247 |
| Noninterest income to average assets | 0.7336% | 1,848 |
| Noninterest expense to average assets | 3.2422% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4046% | 4,971 |
| Return on assets (ROA) | 0.4046% | 5,000 |
| Pretax return on assets | 0.4046% | 5,170 |
| Return on Equity (ROE) | 3.2935% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.2935% | 3,759 |
| Net charge-offs to loans | 1.5576% | 112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.6150% | 3,362 |
| Efficiency ratio | 88.9050% | 512 |
| Assets per employee ($millions) | 5.1620% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,653 |
| Loan loss allowance to noncurrent loans | 18.3471% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.8345% | 342 |
| Noncurrent loans to loans | 5.9294% | 106 |
| Net loans and leases to total assets | 44.4345% | 5,018 |
| Net loans and leases to deposits | 51.8676% | 5,063 |
| Net loans and leases to core deposits | 55.9588% | 4,992 |
| Total domestic deposits to total assets | 85.6690% | 2,538 |
| Equity capital to assets | 12.4625% | 1,642 |
| Core capital (leverage) ratio | 12.1958% | 1,538 |
| Tier 1 risk-based capital ratio | 22.6830% | 975 |
| Total risk-based capital ratio | 23.5685% | 995 |
| Memoranda: | ||
| Average total assets | $113,688,000 | 4,067 |
| Average earning assets | $101,685,000 | 4,137 |
| Average equity | $13,967,000 | 3,891 |
| Average total loans | $48,022,000 | 4,580 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4783% | 4,750 |
| Cost of funding earning assets | 0.3494% | 3,537 |
| Net interest margin | 3.1289% | 4,572 |
| Noninterest income to average assets | 0.7771% | 1,632 |
| Noninterest expense to average assets | 3.5059% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0738% | 5,544 |
| Return on assets (ROA) | 0.0738% | 5,548 |
| Pretax return on assets | 0.0738% | 5,549 |
| Return on Equity (ROE) | 0.6054% | 5,552 |
| Retained earnings to average equity (ytd only) | 0.6054% | 4,775 |
| Net charge-offs to loans | 1.2467% | 139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.1448% | 2,841 |
| Efficiency ratio | 97.9371% | 269 |
| Assets per employee ($millions) | 5.3447% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 1,154 |
| Loan loss allowance to noncurrent loans | 23.6501% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 3.0404% | 329 |
| Noncurrent loans to loans | 7.1609% | 75 |
| Net loans and leases to total assets | 38.7037% | 5,298 |
| Net loans and leases to deposits | 44.8223% | 5,340 |
| Net loans and leases to core deposits | 47.4532% | 5,323 |
| Total domestic deposits to total assets | 86.3492% | 2,516 |
| Equity capital to assets | 11.8886% | 1,917 |
| Core capital (leverage) ratio | 12.2433% | 1,474 |
| Tier 1 risk-based capital ratio | 23.6785% | 898 |
| Total risk-based capital ratio | 24.9294% | 882 |
| Memoranda: | ||
| Average total assets | $113,749,500 | 4,102 |
| Average earning assets | $101,887,500 | 4,174 |
| Average equity | $13,874,000 | 3,940 |
| Average total loans | $46,524,500 | 4,663 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,669 |
| Cost of funding earning assets | 0.3305% | 3,744 |
| Net interest margin | 3.2072% | 4,437 |
| Noninterest income to average assets | 0.6698% | 2,317 |
| Noninterest expense to average assets | 3.2627% | 1,659 |
| Loan and lease loss provision to assets | -0.0419% | 5,565 |
| Net operating income to assets | 0.2931% | 5,236 |
| Return on assets (ROA) | 0.3504% | 5,167 |
| Pretax return on assets | 0.3504% | 5,297 |
| Return on Equity (ROE) | 2.7323% | 5,231 |
| Retained earnings to average equity (ytd only) | 1.3484% | 4,735 |
| Net charge-offs to loans | 0.2409% | 1,159 |
| Credit loss provision to net charge-offs | -39.3162% | 4,801 |
| Earnings coverage of net charge-offs (x) | 2.3590% | 3,845 |
| Efficiency ratio | 92.8516% | 428 |
| Assets per employee ($millions) | 4.9962% | 2,399 |
| Cash dividends to net income (ytd only)* | 50.6494% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 673 |
| Loan loss allowance to noncurrent loans | 26.0735% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 3.4663% | 255 |
| Noncurrent loans to loans | 7.6204% | 63 |
| Net loans and leases to total assets | 41.6927% | 5,244 |
| Net loans and leases to deposits | 48.7973% | 5,257 |
| Net loans and leases to core deposits | 51.9021% | 5,231 |
| Total domestic deposits to total assets | 85.4407% | 2,862 |
| Equity capital to assets | 12.5268% | 1,511 |
| Core capital (leverage) ratio | 12.8063% | 1,210 |
| Tier 1 risk-based capital ratio | 23.7834% | 889 |
| Total risk-based capital ratio | 25.0383% | 871 |
| Memoranda: | ||
| Average total assets | $109,878,200 | 4,167 |
| Average earning assets | $97,437,000 | 4,247 |
| Average equity | $14,090,600 | 3,931 |
| Average total loans | $48,576,800 | 4,614 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 4,817 |
| Cost of funding earning assets | 0.3340% | 3,730 |
| Net interest margin | 3.1610% | 4,601 |
| Noninterest income to average assets | 0.6978% | 2,176 |
| Noninterest expense to average assets | 3.3142% | 1,533 |
| Loan and lease loss provision to assets | -0.0922% | 5,780 |
| Net operating income to assets | 0.2779% | 5,325 |
| Return on assets (ROA) | 0.3544% | 5,235 |
| Pretax return on assets | 0.3544% | 5,372 |
| Return on Equity (ROE) | 2.7473% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.7473% | 4,250 |
| Net charge-offs to loans | 0.1142% | 1,804 |
| Credit loss provision to net charge-offs | -180.9524% | 4,847 |
| Earnings coverage of net charge-offs (x) | 3.6427% | 3,379 |
| Efficiency ratio | 94.6949% | 362 |
| Assets per employee ($millions) | 4.8504% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 857 |
| Loan loss allowance to noncurrent loans | 26.2534% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 3.7213% | 245 |
| Noncurrent loans to loans | 7.2277% | 78 |
| Net loans and leases to total assets | 47.1900% | 5,012 |
| Net loans and leases to deposits | 56.0046% | 4,996 |
| Net loans and leases to core deposits | 59.7392% | 4,944 |
| Total domestic deposits to total assets | 84.2609% | 3,117 |
| Equity capital to assets | 13.5706% | 1,212 |
| Core capital (leverage) ratio | 12.7039% | 1,309 |
| Tier 1 risk-based capital ratio | 22.5012% | 1,062 |
| Total risk-based capital ratio | 23.7550% | 1,046 |
| Memoranda: | ||
| Average total assets | $109,868,750 | 4,197 |
| Average earning assets | $97,393,250 | 4,283 |
| Average equity | $14,171,000 | 3,957 |
| Average total loans | $49,032,000 | 4,645 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3819% | 5,122 |
| Cost of funding earning assets | 0.3223% | 3,874 |
| Net interest margin | 3.0596% | 4,948 |
| Noninterest income to average assets | 0.7843% | 1,790 |
| Noninterest expense to average assets | 3.2870% | 1,619 |
| Loan and lease loss provision to assets | -0.1370% | 5,899 |
| Net operating income to assets | 0.3390% | 5,210 |
| Return on assets (ROA) | 0.3390% | 5,298 |
| Pretax return on assets | 0.3390% | 5,437 |
| Return on Equity (ROE) | 2.6728% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.6728% | 4,196 |
| Net charge-offs to loans | 0.1948% | 1,177 |
| Credit loss provision to net charge-offs | -161.7021% | 4,683 |
| Earnings coverage of net charge-offs (x) | 2.3830% | 3,282 |
| Efficiency ratio | 94.2119% | 408 |
| Assets per employee ($millions) | 4.9003% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 880 |
| Loan loss allowance to noncurrent loans | 24.6502% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 4.2010% | 200 |
| Noncurrent loans to loans | 7.7458% | 74 |
| Net loans and leases to total assets | 46.1760% | 5,116 |
| Net loans and leases to deposits | 54.5832% | 5,100 |
| Net loans and leases to core deposits | 57.1604% | 5,120 |
| Total domestic deposits to total assets | 84.5975% | 3,050 |
| Equity capital to assets | 13.3999% | 1,283 |
| Core capital (leverage) ratio | 12.5911% | 1,308 |
| Tier 1 risk-based capital ratio | 22.0759% | 1,128 |
| Total risk-based capital ratio | 23.3294% | 1,114 |
| Memoranda: | ||
| Average total assets | $110,922,000 | 4,212 |
| Average earning assets | $98,052,000 | 4,305 |
| Average equity | $14,067,670 | 3,989 |
| Average total loans | $48,266,000 | 4,706 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1474% | 5,552 |
| Cost of funding earning assets | 0.3030% | 4,128 |
| Net interest margin | 2.8444% | 5,404 |
| Noninterest income to average assets | 0.5654% | 2,714 |
| Noninterest expense to average assets | 3.2397% | 1,741 |
| Loan and lease loss provision to assets | -0.1565% | 6,008 |
| Net operating income to assets | -0.0142% | 5,795 |
| Return on assets (ROA) | -0.0142% | 5,821 |
| Pretax return on assets | -0.0142% | 5,822 |
| Return on Equity (ROE) | -0.1153% | 5,822 |
| Retained earnings to average equity (ytd only) | -0.1153% | 5,123 |
| Net charge-offs to loans | 0.6550% | 328 |
| Credit loss provision to net charge-offs | -57.1429% | 4,164 |
| Earnings coverage of net charge-offs (x) | -0.6234% | 3,002 |
| Efficiency ratio | 105.5620% | 200 |
| Assets per employee ($millions) | 5.1985% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 829 |
| Loan loss allowance to noncurrent loans | 27.4449% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.6514% | 296 |
| Noncurrent loans to loans | 7.2555% | 89 |
| Net loans and leases to total assets | 41.7886% | 5,360 |
| Net loans and leases to deposits | 48.6571% | 5,397 |
| Net loans and leases to core deposits | 50.7783% | 5,414 |
| Total domestic deposits to total assets | 85.8839% | 2,717 |
| Equity capital to assets | 12.2790% | 1,845 |
| Core capital (leverage) ratio | 12.1227% | 1,534 |
| Tier 1 risk-based capital ratio | 22.1231% | 1,145 |
| Total risk-based capital ratio | 23.3775% | 1,123 |
| Memoranda: | ||
| Average total assets | $112,479,500 | 4,217 |
| Average earning assets | $99,001,500 | 4,319 |
| Average equity | $13,878,500 | 4,023 |
| Average total loans | $47,024,000 | 4,762 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 5,406 |
| Cost of funding earning assets | 0.3583% | 3,612 |
| Net interest margin | 2.9053% | 5,330 |
| Noninterest income to average assets | 0.9058% | 1,432 |
| Noninterest expense to average assets | 3.1288% | 2,151 |
| Loan and lease loss provision to assets | -0.0982% | 5,852 |
| Net operating income to assets | 0.4730% | 4,798 |
| Return on assets (ROA) | 0.5444% | 4,615 |
| Pretax return on assets | 0.5444% | 5,005 |
| Return on Equity (ROE) | 4.5308% | 4,728 |
| Retained earnings to average equity (ytd only) | 2.9636% | 3,955 |
| Net charge-offs to loans | 0.0879% | 2,565 |
| Credit loss provision to net charge-offs | -261.9048% | 5,326 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,746 |
| Efficiency ratio | 89.3021% | 736 |
| Assets per employee ($millions) | 5.0270% | 2,342 |
| Cash dividends to net income (ytd only)* | 34.5902% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4114% | 446 |
| Loan loss allowance to noncurrent loans | 34.4371% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 3.4089% | 355 |
| Noncurrent loans to loans | 7.0023% | 104 |
| Net loans and leases to total assets | 39.9600% | 5,513 |
| Net loans and leases to deposits | 46.6678% | 5,534 |
| Net loans and leases to core deposits | 49.1612% | 5,531 |
| Total domestic deposits to total assets | 85.6266% | 2,801 |
| Equity capital to assets | 12.4004% | 1,670 |
| Core capital (leverage) ratio | 12.6145% | 1,303 |
| Tier 1 risk-based capital ratio | 22.8770% | 1,030 |
| Total risk-based capital ratio | 24.1340% | 1,016 |
| Memoranda: | ||
| Average total assets | $112,055,800 | 4,221 |
| Average earning assets | $100,195,800 | 4,283 |
| Average equity | $13,463,400 | 4,053 |
| Average total loans | $47,756,600 | 4,734 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 5,534 |
| Cost of funding earning assets | 0.3591% | 3,661 |
| Net interest margin | 2.8754% | 5,455 |
| Noninterest income to average assets | 0.6642% | 2,413 |
| Noninterest expense to average assets | 3.0978% | 2,225 |
| Loan and lease loss provision to assets | -0.0593% | 5,934 |
| Net operating income to assets | 0.2087% | 5,663 |
| Return on assets (ROA) | 0.3036% | 5,524 |
| Pretax return on assets | 0.3036% | 5,632 |
| Return on Equity (ROE) | 2.5470% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.5470% | 4,604 |
| Net charge-offs to loans | 0.1185% | 1,933 |
| Credit loss provision to net charge-offs | -116.2791% | 5,078 |
| Earnings coverage of net charge-offs (x) | 2.9304% | 3,579 |
| Efficiency ratio | 95.3981% | 434 |
| Assets per employee ($millions) | 4.0491% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 670 |
| Loan loss allowance to noncurrent loans | 37.4553% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 3.3816% | 392 |
| Noncurrent loans to loans | 5.8646% | 143 |
| Net loans and leases to total assets | 46.8759% | 5,161 |
| Net loans and leases to deposits | 54.8952% | 5,194 |
| Net loans and leases to core deposits | 59.0428% | 5,127 |
| Total domestic deposits to total assets | 85.3915% | 2,831 |
| Equity capital to assets | 12.6007% | 1,688 |
| Core capital (leverage) ratio | 12.3093% | 1,507 |
| Tier 1 risk-based capital ratio | 20.8883% | 1,358 |
| Total risk-based capital ratio | 22.1444% | 1,332 |
| Memoranda: | ||
| Average total assets | $112,421,500 | 4,260 |
| Average earning assets | $100,993,750 | 4,306 |
| Average equity | $13,400,750 | 4,106 |
| Average total loans | $48,374,500 | 4,773 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1258% | 5,712 |
| Cost of funding earning assets | 0.3536% | 3,770 |
| Net interest margin | 2.7722% | 5,672 |
| Noninterest income to average assets | 0.6505% | 2,476 |
| Noninterest expense to average assets | 3.1502% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0018% | 5,991 |
| Return on assets (ROA) | 0.1375% | 5,870 |
| Pretax return on assets | 0.1375% | 5,896 |
| Return on Equity (ROE) | 1.1751% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.1751% | 5,095 |
| Net charge-offs to loans | -0.0213% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9441% | 322 |
| Assets per employee ($millions) | 4.1287% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5663% | 452 |
| Loan loss allowance to noncurrent loans | 40.2254% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 3.3451% | 443 |
| Noncurrent loans to loans | 6.3798% | 141 |
| Net loans and leases to total assets | 42.5387% | 5,467 |
| Net loans and leases to deposits | 49.1751% | 5,545 |
| Net loans and leases to core deposits | 52.1804% | 5,529 |
| Total domestic deposits to total assets | 86.5046% | 2,438 |
| Equity capital to assets | 11.9417% | 2,074 |
| Core capital (leverage) ratio | 11.6544% | 1,879 |
| Tier 1 risk-based capital ratio | 21.1084% | 1,334 |
| Total risk-based capital ratio | 22.3679% | 1,310 |
| Memoranda: | ||
| Average total assets | $113,453,000 | 4,268 |
| Average earning assets | $102,375,330 | 4,310 |
| Average equity | $13,275,670 | 4,149 |
| Average total loans | $47,033,000 | 4,853 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0423% | 5,853 |
| Cost of funding earning assets | 0.3475% | 3,890 |
| Net interest margin | 2.6949% | 5,811 |
| Noninterest income to average assets | 0.6291% | 2,501 |
| Noninterest expense to average assets | 3.2366% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1678% | 6,132 |
| Return on assets (ROA) | -0.1678% | 6,153 |
| Pretax return on assets | -0.1678% | 6,145 |
| Return on Equity (ROE) | -1.4482% | 6,149 |
| Retained earnings to average equity (ytd only) | -1.4482% | 5,608 |
| Net charge-offs to loans | -0.1644% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4670% | 248 |
| Assets per employee ($millions) | 4.3362% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7237% | 393 |
| Loan loss allowance to noncurrent loans | 39.3826% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 3.2380% | 545 |
| Noncurrent loans to loans | 6.9160% | 131 |
| Net loans and leases to total assets | 38.5285% | 5,689 |
| Net loans and leases to deposits | 44.4142% | 5,743 |
| Net loans and leases to core deposits | 47.2850% | 5,703 |
| Total domestic deposits to total assets | 86.7480% | 2,528 |
| Equity capital to assets | 11.4719% | 2,489 |
| Core capital (leverage) ratio | 11.5770% | 1,943 |
| Tier 1 risk-based capital ratio | 21.1319% | 1,392 |
| Total risk-based capital ratio | 22.3904% | 1,368 |
| Memoranda: | ||
| Average total assets | $114,442,000 | 4,280 |
| Average earning assets | $103,605,000 | 4,313 |
| Average equity | $13,257,500 | 4,188 |
| Average total loans | $46,215,000 | 4,907 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2830% | 5,725 |
| Cost of funding earning assets | 0.3834% | 3,868 |
| Net interest margin | 2.8996% | 5,645 |
| Noninterest income to average assets | 0.8247% | 1,778 |
| Noninterest expense to average assets | 3.1194% | 2,456 |
| Loan and lease loss provision to assets | -0.0250% | 5,950 |
| Net operating income to assets | 0.3088% | 5,493 |
| Return on assets (ROA) | 0.3454% | 5,459 |
| Pretax return on assets | 0.3454% | 5,614 |
| Return on Equity (ROE) | 3.0080% | 5,476 |
| Retained earnings to average equity (ytd only) | 0.6140% | 5,494 |
| Net charge-offs to loans | 0.5763% | 699 |
| Credit loss provision to net charge-offs | -10.2190% | 5,316 |
| Earnings coverage of net charge-offs (x) | 1.1606% | 4,486 |
| Efficiency ratio | 91.6601% | 728 |
| Assets per employee ($millions) | 4.1410% | 3,647 |
| Cash dividends to net income (ytd only)* | 79.5866% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7009% | 423 |
| Loan loss allowance to noncurrent loans | 38.1127% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 3.4416% | 545 |
| Noncurrent loans to loans | 7.0866% | 143 |
| Net loans and leases to total assets | 40.0825% | 5,736 |
| Net loans and leases to deposits | 46.4164% | 5,777 |
| Net loans and leases to core deposits | 49.5801% | 5,733 |
| Total domestic deposits to total assets | 86.3542% | 2,640 |
| Equity capital to assets | 11.7023% | 2,256 |
| Core capital (leverage) ratio | 11.9789% | 1,633 |
| Tier 1 risk-based capital ratio | 21.7042% | 1,268 |
| Total risk-based capital ratio | 22.9629% | 1,243 |
| Memoranda: | ||
| Average total assets | $112,042,000 | 4,343 |
| Average earning assets | $99,635,400 | 4,397 |
| Average equity | $12,865,800 | 4,214 |
| Average total loans | $47,542,200 | 4,898 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2973% | 5,778 |
| Cost of funding earning assets | 0.3863% | 3,939 |
| Net interest margin | 2.9110% | 5,677 |
| Noninterest income to average assets | 0.7874% | 1,940 |
| Noninterest expense to average assets | 3.1114% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2569% | 5,720 |
| Return on assets (ROA) | 0.2569% | 5,782 |
| Pretax return on assets | 0.2569% | 5,850 |
| Return on Equity (ROE) | 2.2479% | 5,777 |
| Retained earnings to average equity (ytd only) | 0.5099% | 5,664 |
| Net charge-offs to loans | 0.7068% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.8504% | 4,300 |
| Efficiency ratio | 92.3729% | 682 |
| Assets per employee ($millions) | 3.7870% | 4,316 |
| Cash dividends to net income (ytd only)* | 77.3152% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6769% | 507 |
| Loan loss allowance to noncurrent loans | 42.5981% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 3.2935% | 672 |
| Noncurrent loans to loans | 6.2841% | 210 |
| Net loans and leases to total assets | 42.7712% | 5,614 |
| Net loans and leases to deposits | 49.6050% | 5,675 |
| Net loans and leases to core deposits | 53.1080% | 5,621 |
| Total domestic deposits to total assets | 86.2234% | 2,741 |
| Equity capital to assets | 11.8408% | 2,199 |
| Core capital (leverage) ratio | 12.0243% | 1,692 |
| Tier 1 risk-based capital ratio | 20.9951% | 1,455 |
| Total risk-based capital ratio | 22.2500% | 1,430 |
| Memoranda: | ||
| Average total assets | $112,100,750 | 4,378 |
| Average earning assets | $99,390,750 | 4,451 |
| Average equity | $12,811,250 | 4,255 |
| Average total loans | $47,913,000 | 4,937 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 5,960 |
| Cost of funding earning assets | 0.3894% | 3,999 |
| Net interest margin | 2.8075% | 5,892 |
| Noninterest income to average assets | 0.8028% | 1,828 |
| Noninterest expense to average assets | 3.0799% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2144% | 5,791 |
| Return on assets (ROA) | 0.2516% | 5,786 |
| Pretax return on assets | 0.2516% | 5,868 |
| Return on Equity (ROE) | 2.2280% | 5,787 |
| Retained earnings to average equity (ytd only) | -0.3922% | 5,750 |
| Net charge-offs to loans | 0.7030% | 544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.7202% | 3,989 |
| Efficiency ratio | 93.4911% | 669 |
| Assets per employee ($millions) | 3.8241% | 4,208 |
| Cash dividends to net income (ytd only)* | 117.6056% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9167% | 423 |
| Loan loss allowance to noncurrent loans | 40.5175% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 3.7250% | 603 |
| Noncurrent loans to loans | 7.1986% | 165 |
| Net loans and leases to total assets | 41.3596% | 5,719 |
| Net loans and leases to deposits | 47.8604% | 5,780 |
| Net loans and leases to core deposits | 51.1943% | 5,723 |
| Total domestic deposits to total assets | 86.4172% | 2,808 |
| Equity capital to assets | 11.7180% | 2,228 |
| Core capital (leverage) ratio | 11.7426% | 1,827 |
| Tier 1 risk-based capital ratio | 21.0386% | 1,439 |
| Total risk-based capital ratio | 22.2950% | 1,412 |
| Memoranda: | ||
| Average total assets | $112,859,670 | 4,385 |
| Average earning assets | $100,161,330 | 4,468 |
| Average equity | $12,747,000 | 4,277 |
| Average total loans | $47,795,670 | 4,973 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3111% | 5,819 |
| Cost of funding earning assets | 0.4009% | 3,956 |
| Net interest margin | 2.9102% | 5,730 |
| Noninterest income to average assets | 0.7344% | 2,016 |
| Noninterest expense to average assets | 3.1729% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1124% | 6,001 |
| Return on assets (ROA) | 0.1124% | 6,033 |
| Pretax return on assets | 0.1124% | 6,056 |
| Return on Equity (ROE) | 1.0140% | 6,038 |
| Retained earnings to average equity (ytd only) | -4.2779% | 6,081 |
| Net charge-offs to loans | 0.5409% | 680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4923% | 3,335 |
| Efficiency ratio | 96.5775% | 610 |
| Assets per employee ($millions) | 3.9236% | 4,096 |
| Cash dividends to net income (ytd only)* | 521.8750% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1729% | 364 |
| Loan loss allowance to noncurrent loans | 45.5132% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 3.5497% | 734 |
| Noncurrent loans to loans | 6.9713% | 224 |
| Net loans and leases to total assets | 39.7205% | 5,826 |
| Net loans and leases to deposits | 45.6101% | 5,877 |
| Net loans and leases to core deposits | 48.2240% | 5,862 |
| Total domestic deposits to total assets | 87.0871% | 2,751 |
| Equity capital to assets | 11.1227% | 2,602 |
| Core capital (leverage) ratio | 11.4655% | 1,987 |
| Tier 1 risk-based capital ratio | 20.6341% | 1,552 |
| Total risk-based capital ratio | 21.8892% | 1,520 |
| Memoranda: | ||
| Average total assets | $113,840,500 | 4,416 |
| Average earning assets | $99,785,500 | 4,515 |
| Average equity | $12,623,000 | 4,322 |
| Average total loans | $48,071,000 | 5,005 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6573% | 5,254 |
| Cost of funding earning assets | 0.5097% | 3,503 |
| Net interest margin | 3.1477% | 5,166 |
| Noninterest income to average assets | 0.8493% | 1,869 |
| Noninterest expense to average assets | 3.3814% | 1,922 |
| Loan and lease loss provision to assets | 0.0529% | 4,082 |
| Net operating income to assets | 0.2009% | 5,814 |
| Return on assets (ROA) | 0.3119% | 5,576 |
| Pretax return on assets | 0.3119% | 5,700 |
| Return on Equity (ROE) | 2.7638% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.7638% | 4,275 |
| Net charge-offs to loans | 0.3971% | 1,700 |
| Credit loss provision to net charge-offs | 29.2683% | 4,266 |
| Earnings coverage of net charge-offs (x) | 1.4049% | 4,590 |
| Efficiency ratio | 93.0199% | 804 |
| Assets per employee ($millions) | 3.9274% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1254% | 408 |
| Loan loss allowance to noncurrent loans | 54.2456% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 3.1046% | 1,004 |
| Noncurrent loans to loans | 5.7616% | 373 |
| Net loans and leases to total assets | 42.0726% | 5,821 |
| Net loans and leases to deposits | 48.3762% | 5,875 |
| Net loans and leases to core deposits | 51.2832% | 5,854 |
| Total domestic deposits to total assets | 86.9697% | 2,740 |
| Equity capital to assets | 11.0539% | 2,565 |
| Core capital (leverage) ratio | 11.6732% | 1,844 |
| Tier 1 risk-based capital ratio | 20.2589% | 1,597 |
| Total risk-based capital ratio | 21.5136% | 1,560 |
| Memoranda: | ||
| Average total assets | $113,504,800 | 4,421 |
| Average earning assets | $100,455,400 | 4,501 |
| Average equity | $12,808,600 | 4,298 |
| Average total loans | $51,627,000 | 4,905 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 5,286 |
| Cost of funding earning assets | 0.5298% | 3,465 |
| Net interest margin | 3.1264% | 5,247 |
| Noninterest income to average assets | 0.8724% | 1,850 |
| Noninterest expense to average assets | 3.5353% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1328% | 6,072 |
| Return on assets (ROA) | 0.1328% | 6,141 |
| Pretax return on assets | 0.1328% | 6,167 |
| Return on Equity (ROE) | 1.1712% | 6,150 |
| Retained earnings to average equity (ytd only) | 1.1712% | 5,511 |
| Net charge-offs to loans | 0.5546% | 1,146 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.5207% | 4,690 |
| Efficiency ratio | 96.3782% | 603 |
| Assets per employee ($millions) | 3.8412% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7816% | 684 |
| Loan loss allowance to noncurrent loans | 54.8771% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 3.2461% | 1,092 |
| Noncurrent loans to loans | 5.0688% | 583 |
| Net loans and leases to total assets | 46.2471% | 5,525 |
| Net loans and leases to deposits | 53.1986% | 5,614 |
| Net loans and leases to core deposits | 56.7399% | 5,560 |
| Total domestic deposits to total assets | 86.9330% | 2,729 |
| Equity capital to assets | 11.0526% | 2,713 |
| Core capital (leverage) ratio | 11.3947% | 2,125 |
| Tier 1 risk-based capital ratio | 19.3559% | 1,892 |
| Total risk-based capital ratio | 20.6094% | 1,859 |
| Memoranda: | ||
| Average total assets | $113,407,000 | 4,471 |
| Average earning assets | $101,412,750 | 4,517 |
| Average equity | $12,863,250 | 4,337 |
| Average total loans | $52,167,500 | 4,920 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 5,345 |
| Cost of funding earning assets | 0.5438% | 3,477 |
| Net interest margin | 3.0881% | 5,303 |
| Noninterest income to average assets | 0.8801% | 1,887 |
| Noninterest expense to average assets | 3.5204% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1473% | 6,030 |
| Return on assets (ROA) | 0.1473% | 6,136 |
| Pretax return on assets | 0.1473% | 6,162 |
| Return on Equity (ROE) | 1.2877% | 6,148 |
| Retained earnings to average equity (ytd only) | 1.2877% | 5,381 |
| Net charge-offs to loans | 0.1387% | 2,991 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,741 |
| Efficiency ratio | 95.9847% | 654 |
| Assets per employee ($millions) | 3.8787% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1603% | 496 |
| Loan loss allowance to noncurrent loans | 74.4824% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.7844% | 1,490 |
| Noncurrent loans to loans | 4.2430% | 876 |
| Net loans and leases to total assets | 45.0863% | 5,627 |
| Net loans and leases to deposits | 52.1025% | 5,683 |
| Net loans and leases to core deposits | 55.1917% | 5,662 |
| Total domestic deposits to total assets | 86.5338% | 3,098 |
| Equity capital to assets | 11.5645% | 2,245 |
| Core capital (leverage) ratio | 11.0025% | 2,350 |
| Tier 1 risk-based capital ratio | 19.9021% | 1,742 |
| Total risk-based capital ratio | 21.1663% | 1,709 |
| Memoranda: | ||
| Average total assets | $114,077,670 | 4,483 |
| Average earning assets | $102,976,000 | 4,496 |
| Average equity | $13,047,000 | 4,339 |
| Average total loans | $51,893,000 | 4,953 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 5,209 |
| Cost of funding earning assets | 0.5670% | 3,406 |
| Net interest margin | 3.1205% | 5,190 |
| Noninterest income to average assets | 0.8252% | 2,019 |
| Noninterest expense to average assets | 3.4577% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1845% | 5,937 |
| Return on assets (ROA) | 0.1845% | 6,049 |
| Pretax return on assets | 0.1845% | 6,106 |
| Return on Equity (ROE) | 1.6225% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.6225% | 5,173 |
| Net charge-offs to loans | -0.1394% | 6,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9331% | 776 |
| Assets per employee ($millions) | 4.0508% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3019% | 492 |
| Loan loss allowance to noncurrent loans | 81.3511% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.5768% | 1,781 |
| Noncurrent loans to loans | 4.0588% | 1,104 |
| Net loans and leases to total assets | 42.6302% | 5,793 |
| Net loans and leases to deposits | 48.9153% | 5,857 |
| Net loans and leases to core deposits | 51.4269% | 5,865 |
| Total domestic deposits to total assets | 87.1511% | 2,864 |
| Equity capital to assets | 11.1566% | 2,790 |
| Core capital (leverage) ratio | 10.8251% | 2,431 |
| Tier 1 risk-based capital ratio | 19.7770% | 1,830 |
| Total risk-based capital ratio | 21.0318% | 1,799 |
| Memoranda: | ||
| Average total assets | $114,875,500 | 4,507 |
| Average earning assets | $103,701,000 | 4,525 |
| Average equity | $13,066,500 | 4,372 |
| Average total loans | $51,655,000 | 4,999 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 3,910 |
| Cost of funding earning assets | 0.7919% | 2,734 |
| Net interest margin | 3.5859% | 4,149 |
| Noninterest income to average assets | 0.8009% | 2,260 |
| Noninterest expense to average assets | 3.3884% | 2,076 |
| Loan and lease loss provision to assets | 0.6761% | 783 |
| Net operating income to assets | -0.1230% | 6,304 |
| Return on assets (ROA) | -0.0009% | 6,307 |
| Pretax return on assets | -0.0009% | 6,286 |
| Return on Equity (ROE) | -0.0077% | 6,308 |
| Retained earnings to average equity (ytd only) | -0.0077% | 5,840 |
| Net charge-offs to loans | 1.8924% | 406 |
| Credit loss provision to net charge-offs | 68.8889% | 4,209 |
| Earnings coverage of net charge-offs (x) | 0.5636% | 5,206 |
| Efficiency ratio | 85.9672% | 1,433 |
| Assets per employee ($millions) | 3.8717% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2822% | 517 |
| Loan loss allowance to noncurrent loans | 141.9815% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 1.8383% | 2,661 |
| Noncurrent loans to loans | 2.3117% | 2,338 |
| Net loans and leases to total assets | 44.3809% | 5,785 |
| Net loans and leases to deposits | 51.2227% | 5,871 |
| Net loans and leases to core deposits | 53.6164% | 5,903 |
| Total domestic deposits to total assets | 86.6430% | 3,026 |
| Equity capital to assets | 11.6025% | 2,341 |
| Core capital (leverage) ratio | 11.2723% | 2,035 |
| Tier 1 risk-based capital ratio | 19.9794% | 1,684 |
| Total risk-based capital ratio | 21.2444% | 1,655 |
| Memoranda: | ||
| Average total assets | $114,626,400 | 4,471 |
| Average earning assets | $100,393,000 | 4,588 |
| Average equity | $12,984,200 | 4,362 |
| Average total loans | $59,449,800 | 4,737 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 3,312 |
| Cost of funding earning assets | 0.8279% | 2,723 |
| Net interest margin | 3.7469% | 3,571 |
| Noninterest income to average assets | 0.8216% | 2,153 |
| Noninterest expense to average assets | 3.3016% | 2,273 |
| Loan and lease loss provision to assets | 0.8274% | 561 |
| Net operating income to assets | -0.0498% | 6,337 |
| Return on assets (ROA) | 0.1123% | 6,241 |
| Pretax return on assets | 0.1123% | 6,253 |
| Return on Equity (ROE) | 0.9969% | 6,251 |
| Retained earnings to average equity (ytd only) | 0.9969% | 5,773 |
| Net charge-offs to loans | 1.7927% | 438 |
| Credit loss provision to net charge-offs | 86.5617% | 3,411 |
| Earnings coverage of net charge-offs (x) | 0.8136% | 4,924 |
| Efficiency ratio | 80.9362% | 1,948 |
| Assets per employee ($millions) | 3.8511% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2648% | 567 |
| Loan loss allowance to noncurrent loans | 183.2858% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.8427% | 2,871 |
| Noncurrent loans to loans | 1.7812% | 3,107 |
| Net loans and leases to total assets | 51.2048% | 5,155 |
| Net loans and leases to deposits | 59.2472% | 5,292 |
| Net loans and leases to core deposits | 63.0649% | 5,255 |
| Total domestic deposits to total assets | 86.4256% | 3,029 |
| Equity capital to assets | 11.8677% | 2,378 |
| Core capital (leverage) ratio | 11.5168% | 1,977 |
| Tier 1 risk-based capital ratio | 18.5950% | 2,133 |
| Total risk-based capital ratio | 19.8619% | 2,095 |
| Memoranda: | ||
| Average total assets | $115,213,500 | 4,501 |
| Average earning assets | $100,168,750 | 4,640 |
| Average equity | $12,973,500 | 4,400 |
| Average total loans | $61,432,000 | 4,709 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 3,967 |
| Cost of funding earning assets | 0.8547% | 2,759 |
| Net interest margin | 3.5983% | 4,271 |
| Noninterest income to average assets | 0.8334% | 2,042 |
| Noninterest expense to average assets | 3.4006% | 2,035 |
| Loan and lease loss provision to assets | 1.0740% | 405 |
| Net operating income to assets | -0.5086% | 6,736 |
| Return on assets (ROA) | -0.2681% | 6,658 |
| Pretax return on assets | -0.2681% | 6,622 |
| Return on Equity (ROE) | -2.4224% | 6,639 |
| Retained earnings to average equity (ytd only) | -2.4224% | 6,402 |
| Net charge-offs to loans | 2.1606% | 364 |
| Credit loss provision to net charge-offs | 93.0060% | 2,956 |
| Earnings coverage of net charge-offs (x) | 0.4896% | 4,830 |
| Efficiency ratio | 85.7452% | 1,457 |
| Assets per employee ($millions) | 3.9141% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2612% | 612 |
| Loan loss allowance to noncurrent loans | 118.3383% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 2.1611% | 2,595 |
| Noncurrent loans to loans | 2.7558% | 2,181 |
| Net loans and leases to total assets | 52.1100% | 5,082 |
| Net loans and leases to deposits | 59.9974% | 5,236 |
| Net loans and leases to core deposits | 63.5191% | 5,258 |
| Total domestic deposits to total assets | 86.8538% | 2,857 |
| Equity capital to assets | 11.4380% | 2,649 |
| Core capital (leverage) ratio | 11.0866% | 2,219 |
| Tier 1 risk-based capital ratio | 17.5871% | 2,446 |
| Total risk-based capital ratio | 18.8541% | 2,409 |
| Memoranda: | ||
| Average total assets | $116,391,000 | 4,496 |
| Average earning assets | $101,326,000 | 4,638 |
| Average equity | $12,880,000 | 4,415 |
| Average total loans | $62,204,000 | 4,707 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 4,368 |
| Cost of funding earning assets | 0.8817% | 2,822 |
| Net interest margin | 3.5074% | 4,658 |
| Noninterest income to average assets | 0.7231% | 2,543 |
| Noninterest expense to average assets | 3.2894% | 2,318 |
| Loan and lease loss provision to assets | 2.1217% | 130 |
| Net operating income to assets | -1.6226% | 7,111 |
| Return on assets (ROA) | -1.6226% | 7,114 |
| Pretax return on assets | -1.6226% | 7,093 |
| Return on Equity (ROE) | -14.9043% | 7,066 |
| Retained earnings to average equity (ytd only) | -14.9043% | 6,970 |
| Net charge-offs to loans | 4.8394% | 101 |
| Credit loss provision to net charge-offs | 82.3452% | 2,689 |
| Earnings coverage of net charge-offs (x) | 0.1937% | 4,271 |
| Efficiency ratio | 86.8280% | 1,396 |
| Assets per employee ($millions) | 4.1190% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1054% | 757 |
| Loan loss allowance to noncurrent loans | 69.1192% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 3.1745% | 1,823 |
| Noncurrent loans to loans | 4.4928% | 1,303 |
| Net loans and leases to total assets | 49.8133% | 5,333 |
| Net loans and leases to deposits | 56.6539% | 5,530 |
| Net loans and leases to core deposits | 60.2233% | 5,508 |
| Total domestic deposits to total assets | 87.9257% | 2,372 |
| Equity capital to assets | 10.5264% | 3,463 |
| Core capital (leverage) ratio | 10.4500% | 2,813 |
| Tier 1 risk-based capital ratio | 16.4389% | 2,943 |
| Total risk-based capital ratio | 17.7027% | 2,895 |
| Memoranda: | ||
| Average total assets | $117,832,500 | 4,496 |
| Average earning assets | $102,982,000 | 4,631 |
| Average equity | $12,828,500 | 4,431 |
| Average total loans | $62,734,500 | 4,707 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1972% | 2,068 |
| Cost of funding earning assets | 1.0113% | 3,294 |
| Net interest margin | 4.1859% | 2,108 |
| Noninterest income to average assets | 0.7825% | 2,151 |
| Noninterest expense to average assets | 3.0775% | 3,282 |
| Loan and lease loss provision to assets | 0.6879% | 1,489 |
| Net operating income to assets | 0.6312% | 3,822 |
| Return on assets (ROA) | 0.6312% | 4,028 |
| Pretax return on assets | 0.6312% | 4,588 |
| Return on Equity (ROE) | 6.1760% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.3469% | 3,082 |
| Net charge-offs to loans | 0.4728% | 3,100 |
| Credit loss provision to net charge-offs | 248.5380% | 973 |
| Earnings coverage of net charge-offs (x) | 4.7661% | 2,981 |
| Efficiency ratio | 68.8938% | 4,174 |
| Assets per employee ($millions) | 4.1505% | 3,547 |
| Cash dividends to net income (ytd only)* | 29.6154% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1861% | 690 |
| Loan loss allowance to noncurrent loans | 61.6616% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 3.4394% | 1,722 |
| Noncurrent loans to loans | 5.1671% | 1,072 |
| Net loans and leases to total assets | 53.3658% | 5,117 |
| Net loans and leases to deposits | 61.2911% | 5,339 |
| Net loans and leases to core deposits | 66.0926% | 5,243 |
| Total domestic deposits to total assets | 87.0694% | 2,724 |
| Equity capital to assets | 11.2578% | 2,734 |
| Core capital (leverage) ratio | 11.2170% | 2,106 |
| Tier 1 risk-based capital ratio | 16.7219% | 2,724 |
| Total risk-based capital ratio | 17.9884% | 2,679 |
| Memoranda: | ||
| Average total assets | $123,572,600 | 4,301 |
| Average earning assets | $106,692,400 | 4,486 |
| Average equity | $12,629,600 | 4,411 |
| Average total loans | $72,328,200 | 4,402 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 2,143 |
| Cost of funding earning assets | 1.0538% | 3,291 |
| Net interest margin | 4.1630% | 2,230 |
| Noninterest income to average assets | 0.7761% | 2,162 |
| Noninterest expense to average assets | 3.0129% | 3,511 |
| Loan and lease loss provision to assets | 0.7974% | 1,170 |
| Net operating income to assets | 0.5358% | 4,379 |
| Return on assets (ROA) | 0.5358% | 4,571 |
| Pretax return on assets | 0.5358% | 5,020 |
| Return on Equity (ROE) | 5.3689% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.3689% | 2,935 |
| Net charge-offs to loans | 0.4588% | 2,897 |
| Credit loss provision to net charge-offs | 292.9688% | 979 |
| Earnings coverage of net charge-offs (x) | 4.8985% | 2,929 |
| Efficiency ratio | 67.8571% | 4,349 |
| Assets per employee ($millions) | 4.6759% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7215% | 1,105 |
| Loan loss allowance to noncurrent loans | 69.3466% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 3.0882% | 2,071 |
| Noncurrent loans to loans | 3.9245% | 1,690 |
| Net loans and leases to total assets | 61.9805% | 3,725 |
| Net loans and leases to deposits | 70.9888% | 4,139 |
| Net loans and leases to core deposits | 77.2579% | 4,011 |
| Total domestic deposits to total assets | 87.3103% | 2,466 |
| Equity capital to assets | 10.9720% | 3,174 |
| Core capital (leverage) ratio | 10.9718% | 2,413 |
| Tier 1 risk-based capital ratio | 15.2231% | 3,539 |
| Total risk-based capital ratio | 16.4860% | 3,490 |
| Memoranda: | ||
| Average total assets | $125,412,500 | 4,289 |
| Average earning assets | $107,547,000 | 4,493 |
| Average equity | $12,516,250 | 4,449 |
| Average total loans | $74,395,500 | 4,371 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 1,914 |
| Cost of funding earning assets | 1.0970% | 3,266 |
| Net interest margin | 4.1958% | 2,051 |
| Noninterest income to average assets | 0.7938% | 2,049 |
| Noninterest expense to average assets | 2.8257% | 4,323 |
| Loan and lease loss provision to assets | 0.9357% | 945 |
| Net operating income to assets | 0.5754% | 4,185 |
| Return on assets (ROA) | 0.5754% | 4,308 |
| Pretax return on assets | 0.5754% | 4,829 |
| Return on Equity (ROE) | 5.9454% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.9454% | 2,469 |
| Net charge-offs to loans | 0.6616% | 2,188 |
| Credit loss provision to net charge-offs | 243.9024% | 1,245 |
| Earnings coverage of net charge-offs (x) | 3.9390% | 3,010 |
| Efficiency ratio | 63.7181% | 5,293 |
| Assets per employee ($millions) | 4.7592% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6012% | 1,314 |
| Loan loss allowance to noncurrent loans | 189.7384% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4128% | 4,095 |
| Noncurrent loans to loans | 1.3709% | 4,359 |
| Net loans and leases to total assets | 59.3540% | 4,406 |
| Net loans and leases to deposits | 67.7410% | 4,751 |
| Net loans and leases to core deposits | 73.5732% | 4,630 |
| Total domestic deposits to total assets | 87.6190% | 2,394 |
| Equity capital to assets | 10.7446% | 3,235 |
| Core capital (leverage) ratio | 10.7073% | 2,513 |
| Tier 1 risk-based capital ratio | 15.5355% | 3,223 |
| Total risk-based capital ratio | 16.7748% | 3,172 |
| Memoranda: | ||
| Average total assets | $128,250,670 | 4,264 |
| Average earning assets | $108,299,670 | 4,499 |
| Average equity | $12,413,000 | 4,449 |
| Average total loans | $74,367,000 | 4,417 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 2,096 |
| Cost of funding earning assets | 1.1357% | 3,260 |
| Net interest margin | 4.1023% | 2,256 |
| Noninterest income to average assets | 0.6803% | 2,677 |
| Noninterest expense to average assets | 2.8807% | 4,148 |
| Loan and lease loss provision to assets | 1.3545% | 493 |
| Net operating income to assets | -0.1625% | 6,523 |
| Return on assets (ROA) | -0.1625% | 6,540 |
| Pretax return on assets | -0.1625% | 6,510 |
| Return on Equity (ROE) | -1.7665% | 6,563 |
| Retained earnings to average equity (ytd only) | -1.7665% | 6,112 |
| Net charge-offs to loans | 1.2431% | 1,120 |
| Credit loss provision to net charge-offs | 192.3077% | 1,537 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 3,466 |
| Efficiency ratio | 70.7317% | 4,111 |
| Assets per employee ($millions) | 5.8882% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3187% | 1,731 |
| Loan loss allowance to noncurrent loans | 258.7278% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 5,063 |
| Noncurrent loans to loans | 0.8962% | 5,254 |
| Net loans and leases to total assets | 50.0526% | 5,841 |
| Net loans and leases to deposits | 55.3789% | 6,186 |
| Net loans and leases to core deposits | 58.9954% | 6,181 |
| Total domestic deposits to total assets | 90.3821% | 914 |
| Equity capital to assets | 8.2769% | 6,190 |
| Core capital (leverage) ratio | 9.8129% | 3,372 |
| Tier 1 risk-based capital ratio | 13.7045% | 4,276 |
| Total risk-based capital ratio | 14.9106% | 4,289 |
| Memoranda: | ||
| Average total assets | $132,885,500 | 4,197 |
| Average earning assets | $109,889,500 | 4,475 |
| Average equity | $12,227,500 | 4,499 |
| Average total loans | $75,297,500 | 4,412 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8932% | 1,061 |
| Cost of funding earning assets | 1.4440% | 2,996 |
| Net interest margin | 4.4492% | 1,352 |
| Noninterest income to average assets | 0.8200% | 2,187 |
| Noninterest expense to average assets | 3.1242% | 3,366 |
| Loan and lease loss provision to assets | 0.4080% | 3,659 |
| Net operating income to assets | 1.3104% | 1,145 |
| Return on assets (ROA) | 1.2288% | 1,419 |
| Pretax return on assets | 1.2288% | 2,145 |
| Return on Equity (ROE) | 12.5756% | 1,200 |
| Retained earnings to average equity (ytd only) | 6.8640% | 1,382 |
| Net charge-offs to loans | 1.2708% | 1,770 |
| Credit loss provision to net charge-offs | 47.4383% | 6,301 |
| Earnings coverage of net charge-offs (x) | 1.9981% | 4,240 |
| Efficiency ratio | 64.5156% | 5,257 |
| Assets per employee ($millions) | 4.2345% | 3,319 |
| Cash dividends to net income (ytd only)* | 45.4183% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0395% | 2,206 |
| Loan loss allowance to noncurrent loans | 145.7224% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.4380% | 4,176 |
| Noncurrent loans to loans | 1.3996% | 4,384 |
| Net loans and leases to total assets | 62.1030% | 4,265 |
| Net loans and leases to deposits | 70.4683% | 4,757 |
| Net loans and leases to core deposits | 76.4939% | 4,639 |
| Total domestic deposits to total assets | 88.1290% | 2,173 |
| Equity capital to assets | 10.3495% | 3,327 |
| Core capital (leverage) ratio | 10.2558% | 2,810 |
| Tier 1 risk-based capital ratio | 14.3101% | 3,672 |
| Total risk-based capital ratio | 15.5662% | 3,621 |
| Memoranda: | ||
| Average total assets | $122,558,600 | 4,432 |
| Average earning assets | $110,805,600 | 4,450 |
| Average equity | $11,975,600 | 4,616 |
| Average total loans | $82,941,800 | 4,248 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9467% | 1,041 |
| Cost of funding earning assets | 1.5060% | 2,937 |
| Net interest margin | 4.4407% | 1,396 |
| Noninterest income to average assets | 0.8158% | 2,150 |
| Noninterest expense to average assets | 3.1164% | 3,257 |
| Loan and lease loss provision to assets | 0.4856% | 3,048 |
| Net operating income to assets | 1.2388% | 1,492 |
| Return on assets (ROA) | 1.1417% | 1,869 |
| Pretax return on assets | 1.1417% | 2,690 |
| Return on Equity (ROE) | 11.8523% | 1,545 |
| Retained earnings to average equity (ytd only) | 8.6820% | 1,169 |
| Net charge-offs to loans | 1.1686% | 1,747 |
| Credit loss provision to net charge-offs | 60.4839% | 5,675 |
| Earnings coverage of net charge-offs (x) | 2.1478% | 4,112 |
| Efficiency ratio | 64.3781% | 5,179 |
| Assets per employee ($millions) | 4.2774% | 3,297 |
| Cash dividends to net income (ytd only)* | 26.7483% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 1,957 |
| Loan loss allowance to noncurrent loans | 137.3946% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 1.7910% | 3,760 |
| Noncurrent loans to loans | 1.5422% | 4,322 |
| Net loans and leases to total assets | 69.1570% | 2,946 |
| Net loans and leases to deposits | 78.5904% | 3,713 |
| Net loans and leases to core deposits | 85.6679% | 3,707 |
| Total domestic deposits to total assets | 87.9968% | 1,962 |
| Equity capital to assets | 10.3141% | 3,744 |
| Core capital (leverage) ratio | 10.0680% | 3,184 |
| Tier 1 risk-based capital ratio | 13.0168% | 4,566 |
| Total risk-based capital ratio | 14.2741% | 4,536 |
| Memoranda: | ||
| Average total assets | $123,556,750 | 4,467 |
| Average earning assets | $111,991,250 | 4,482 |
| Average equity | $11,901,750 | 4,705 |
| Average total loans | $84,885,750 | 4,259 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9682% | 1,022 |
| Cost of funding earning assets | 1.5363% | 3,028 |
| Net interest margin | 4.4319% | 1,366 |
| Noninterest income to average assets | 0.8348% | 1,944 |
| Noninterest expense to average assets | 3.1886% | 2,945 |
| Loan and lease loss provision to assets | 0.4807% | 2,902 |
| Net operating income to assets | 1.1777% | 1,617 |
| Return on assets (ROA) | 1.1777% | 1,683 |
| Pretax return on assets | 1.1777% | 2,485 |
| Return on Equity (ROE) | 12.5092% | 1,348 |
| Retained earnings to average equity (ytd only) | 9.4798% | 965 |
| Net charge-offs to loans | 0.8614% | 2,106 |
| Credit loss provision to net charge-offs | 81.9672% | 4,655 |
| Earnings coverage of net charge-offs (x) | 2.8279% | 3,574 |
| Efficiency ratio | 65.7851% | 5,020 |
| Assets per employee ($millions) | 4.4987% | 2,879 |
| Cash dividends to net income (ytd only)* | 24.2177% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3085% | 1,571 |
| Loan loss allowance to noncurrent loans | 74.6859% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.1760% | 3,287 |
| Noncurrent loans to loans | 3.0910% | 2,600 |
| Net loans and leases to total assets | 67.8956% | 3,391 |
| Net loans and leases to deposits | 78.1426% | 3,939 |
| Net loans and leases to core deposits | 86.4473% | 3,772 |
| Total domestic deposits to total assets | 86.8867% | 2,595 |
| Equity capital to assets | 9.6250% | 4,507 |
| Core capital (leverage) ratio | 9.4791% | 3,848 |
| Tier 1 risk-based capital ratio | 12.3990% | 4,947 |
| Total risk-based capital ratio | 13.6590% | 4,914 |
| Memoranda: | ||
| Average total assets | $124,819,670 | 4,475 |
| Average earning assets | $112,998,330 | 4,478 |
| Average equity | $11,751,330 | 4,745 |
| Average total loans | $84,974,000 | 4,295 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9471% | 1,085 |
| Cost of funding earning assets | 1.5821% | 3,066 |
| Net interest margin | 4.3650% | 1,489 |
| Noninterest income to average assets | 0.7276% | 2,418 |
| Noninterest expense to average assets | 3.2194% | 2,785 |
| Loan and lease loss provision to assets | 0.4829% | 2,569 |
| Net operating income to assets | 0.9690% | 2,302 |
| Return on assets (ROA) | 0.9690% | 2,365 |
| Pretax return on assets | 0.9690% | 3,204 |
| Return on Equity (ROE) | 10.4107% | 1,978 |
| Retained earnings to average equity (ytd only) | 7.7129% | 1,833 |
| Net charge-offs to loans | 1.7398% | 996 |
| Credit loss provision to net charge-offs | 41.2088% | 4,622 |
| Earnings coverage of net charge-offs (x) | 1.2390% | 4,018 |
| Efficiency ratio | 68.9180% | 4,522 |
| Assets per employee ($millions) | 4.5950% | 2,810 |
| Cash dividends to net income (ytd only)* | 25.9136% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2016% | 1,749 |
| Loan loss allowance to noncurrent loans | 92.6311% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.5716% | 4,142 |
| Noncurrent loans to loans | 2.3767% | 3,302 |
| Net loans and leases to total assets | 64.6684% | 4,180 |
| Net loans and leases to deposits | 73.8080% | 4,772 |
| Net loans and leases to core deposits | 81.8235% | 4,517 |
| Total domestic deposits to total assets | 87.6171% | 2,286 |
| Equity capital to assets | 9.0525% | 5,202 |
| Core capital (leverage) ratio | 9.3812% | 3,932 |
| Tier 1 risk-based capital ratio | 11.9403% | 5,261 |
| Total risk-based capital ratio | 13.1981% | 5,213 |
| Memoranda: | ||
| Average total assets | $124,247,500 | 4,539 |
| Average earning assets | $112,257,000 | 4,560 |
| Average equity | $11,565,000 | 4,827 |
| Average total loans | $83,688,500 | 4,394 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3456% | 942 |
| Cost of funding earning assets | 1.7334% | 4,343 |
| Net interest margin | 4.6122% | 958 |
| Noninterest income to average assets | 0.8301% | 2,270 |
| Noninterest expense to average assets | 3.2129% | 3,332 |
| Loan and lease loss provision to assets | 0.7125% | 2,982 |
| Net operating income to assets | 1.1284% | 1,442 |
| Return on assets (ROA) | 1.1284% | 1,474 |
| Pretax return on assets | 1.1284% | 2,163 |
| Return on Equity (ROE) | 11.7596% | 1,219 |
| Retained earnings to average equity (ytd only) | 4.5156% | 2,095 |
| Net charge-offs to loans | 0.4288% | 4,080 |
| Credit loss provision to net charge-offs | 247.8386% | 1,435 |
| Earnings coverage of net charge-offs (x) | 6.4035% | 2,373 |
| Efficiency ratio | 63.5738% | 5,856 |
| Assets per employee ($millions) | 4.2798% | 3,303 |
| Cash dividends to net income (ytd only)* | 61.6006% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5358% | 1,185 |
| Loan loss allowance to noncurrent loans | 80.3310% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.1680% | 3,172 |
| Noncurrent loans to loans | 3.1567% | 2,426 |
| Net loans and leases to total assets | 66.9376% | 3,940 |
| Net loans and leases to deposits | 77.0178% | 4,561 |
| Net loans and leases to core deposits | 107.5687% | 3,150 |
| Total domestic deposits to total assets | 86.9119% | 2,558 |
| Equity capital to assets | 9.5824% | 4,292 |
| Core capital (leverage) ratio | 9.2729% | 4,016 |
| Tier 1 risk-based capital ratio | 12.1988% | 4,774 |
| Total risk-based capital ratio | 13.4592% | 4,725 |
| Memoranda: | ||
| Average total assets | $120,702,600 | 4,541 |
| Average earning assets | $110,532,800 | 4,552 |
| Average equity | $11,582,000 | 4,849 |
| Average total loans | $80,928,800 | 4,473 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3496% | 1,027 |
| Cost of funding earning assets | 1.7471% | 4,649 |
| Net interest margin | 4.6024% | 987 |
| Noninterest income to average assets | 0.8402% | 2,243 |
| Noninterest expense to average assets | 3.2638% | 3,059 |
| Loan and lease loss provision to assets | 0.2977% | 4,583 |
| Net operating income to assets | 1.4963% | 819 |
| Return on assets (ROA) | 1.4963% | 877 |
| Pretax return on assets | 1.4963% | 1,427 |
| Return on Equity (ROE) | 15.5883% | 704 |
| Retained earnings to average equity (ytd only) | 10.1892% | 601 |
| Net charge-offs to loans | 0.4451% | 3,454 |
| Credit loss provision to net charge-offs | 100.3717% | 5,056 |
| Earnings coverage of net charge-offs (x) | 6.0483% | 2,676 |
| Efficiency ratio | 64.5302% | 5,655 |
| Assets per employee ($millions) | 4.2384% | 3,310 |
| Cash dividends to net income (ytd only)* | 34.6351% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 2,282 |
| Loan loss allowance to noncurrent loans | 263.9866% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 6,251 |
| Noncurrent loans to loans | 0.6815% | 5,937 |
| Net loans and leases to total assets | 69.9934% | 3,516 |
| Net loans and leases to deposits | 83.2174% | 3,794 |
| Net loans and leases to core deposits | 116.6585% | 2,558 |
| Total domestic deposits to total assets | 84.1091% | 3,671 |
| Equity capital to assets | 9.7166% | 4,476 |
| Core capital (leverage) ratio | 9.7050% | 3,638 |
| Tier 1 risk-based capital ratio | 12.1013% | 4,873 |
| Total risk-based capital ratio | 13.3560% | 4,820 |
| Memoranda: | ||
| Average total assets | $120,919,750 | 4,570 |
| Average earning assets | $110,808,000 | 4,564 |
| Average equity | $11,606,750 | 4,896 |
| Average total loans | $80,585,750 | 4,535 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2536% | 1,324 |
| Cost of funding earning assets | 1.7479% | 5,026 |
| Net interest margin | 4.5057% | 1,156 |
| Noninterest income to average assets | 0.8548% | 2,160 |
| Noninterest expense to average assets | 3.2814% | 3,042 |
| Loan and lease loss provision to assets | 0.2994% | 4,168 |
| Net operating income to assets | 1.4070% | 1,015 |
| Return on assets (ROA) | 1.4070% | 1,083 |
| Pretax return on assets | 1.4070% | 1,703 |
| Return on Equity (ROE) | 14.7199% | 873 |
| Retained earnings to average equity (ytd only) | 10.2830% | 669 |
| Net charge-offs to loans | 0.0358% | 5,961 |
| Credit loss provision to net charge-offs | 1,285.7143% | 385 |
| Earnings coverage of net charge-offs (x) | 73.2857% | 514 |
| Efficiency ratio | 65.7886% | 5,584 |
| Assets per employee ($millions) | 4.2246% | 3,246 |
| Cash dividends to net income (ytd only)* | 30.1418% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0622% | 1,453 |
| Loan loss allowance to noncurrent loans | 244.2416% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 5,962 |
| Noncurrent loans to loans | 0.8443% | 5,531 |
| Net loans and leases to total assets | 67.4103% | 4,275 |
| Net loans and leases to deposits | 79.8389% | 4,569 |
| Net loans and leases to core deposits | 109.8436% | 3,391 |
| Total domestic deposits to total assets | 84.4328% | 3,532 |
| Equity capital to assets | 9.5287% | 4,572 |
| Core capital (leverage) ratio | 9.7454% | 3,576 |
| Tier 1 risk-based capital ratio | 11.9435% | 4,965 |
| Total risk-based capital ratio | 13.1999% | 4,882 |
| Memoranda: | ||
| Average total assets | $120,255,330 | 4,626 |
| Average earning assets | $110,305,330 | 4,615 |
| Average equity | $11,494,670 | 4,952 |
| Average total loans | $78,245,330 | 4,645 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1205% | 1,873 |
| Cost of funding earning assets | 1.8174% | 5,031 |
| Net interest margin | 4.3031% | 1,594 |
| Noninterest income to average assets | 0.8193% | 2,239 |
| Noninterest expense to average assets | 3.3343% | 2,553 |
| Loan and lease loss provision to assets | 0.3022% | 3,528 |
| Net operating income to assets | 1.1181% | 1,901 |
| Return on assets (ROA) | 1.1181% | 2,024 |
| Pretax return on assets | 1.1181% | 2,917 |
| Return on Equity (ROE) | 11.6791% | 1,765 |
| Retained earnings to average equity (ytd only) | 7.3652% | 2,072 |
| Net charge-offs to loans | 0.0585% | 4,653 |
| Credit loss provision to net charge-offs | 818.1818% | 734 |
| Earnings coverage of net charge-offs (x) | 38.4545% | 882 |
| Efficiency ratio | 70.1271% | 4,551 |
| Assets per employee ($millions) | 4.2404% | 3,191 |
| Cash dividends to net income (ytd only)* | 36.9369% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1979% | 1,084 |
| Loan loss allowance to noncurrent loans | 198.0815% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 5,463 |
| Noncurrent loans to loans | 1.1096% | 4,763 |
| Net loans and leases to total assets | 59.7799% | 5,694 |
| Net loans and leases to deposits | 68.5689% | 6,122 |
| Net loans and leases to core deposits | 92.4935% | 5,304 |
| Total domestic deposits to total assets | 87.1823% | 2,131 |
| Equity capital to assets | 9.3632% | 4,852 |
| Core capital (leverage) ratio | 9.2803% | 4,272 |
| Tier 1 risk-based capital ratio | 11.9236% | 5,024 |
| Total risk-based capital ratio | 13.0980% | 4,989 |
| Memoranda: | ||
| Average total assets | $119,126,000 | 4,677 |
| Average earning assets | $108,945,000 | 4,669 |
| Average equity | $11,405,000 | 5,004 |
| Average total loans | $75,205,000 | 4,799 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1495% | 814 |
| Cost of funding earning assets | 2.5107% | 4,152 |
| Net interest margin | 4.6387% | 1,076 |
| Noninterest income to average assets | 0.9159% | 1,904 |
| Noninterest expense to average assets | 3.2990% | 2,961 |
| Loan and lease loss provision to assets | 0.2431% | 4,480 |
| Net operating income to assets | 1.5896% | 850 |
| Return on assets (ROA) | 1.5896% | 813 |
| Pretax return on assets | 1.5896% | 1,415 |
| Return on Equity (ROE) | 16.3615% | 719 |
| Retained earnings to average equity (ytd only) | 6.2273% | 1,415 |
| Net charge-offs to loans | 0.2375% | 3,872 |
| Credit loss provision to net charge-offs | 154.1899% | 3,385 |
| Earnings coverage of net charge-offs (x) | 11.6257% | 2,353 |
| Efficiency ratio | 64.2869% | 5,501 |
| Assets per employee ($millions) | 4.4339% | 2,717 |
| Cash dividends to net income (ytd only)* | 61.9391% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 1,083 |
| Loan loss allowance to noncurrent loans | 104.2384% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 3,602 |
| Noncurrent loans to loans | 2.0068% | 2,750 |
| Net loans and leases to total assets | 63.9065% | 5,288 |
| Net loans and leases to deposits | 73.7576% | 5,872 |
| Net loans and leases to core deposits | 102.3151% | 4,575 |
| Total domestic deposits to total assets | 86.6439% | 2,115 |
| Equity capital to assets | 9.7987% | 4,290 |
| Core capital (leverage) ratio | 9.5173% | 3,995 |
| Tier 1 risk-based capital ratio | 13.1554% | 4,024 |
| Total risk-based capital ratio | 14.4135% | 3,931 |
| Memoranda: | ||
| Average total assets | $113,549,600 | 4,679 |
| Average earning assets | $103,196,400 | 4,707 |
| Average equity | $11,032,000 | 5,111 |
| Average total loans | $75,359,400 | 4,675 |