Home > HomePride Bank > Performance and Condition Ratios
HomePride 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 | 5.3272% | 1,442 |
| Cost of funding earning assets | 1.5376% | 1,848 |
| Net interest margin | 3.7896% | 1,577 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.8852% | 1,304 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.8659% | 2,650 |
| Return on assets (ROA) | 0.8659% | 2,626 |
| Pretax return on assets | 0.8659% | 3,050 |
| Return on Equity (ROE) | 9.6500% | 2,593 |
| Retained earnings to average equity (ytd only) | 2.9658% | 3,285 |
| Net charge-offs to loans | 0.0154% | 2,086 |
| Credit loss provision to net charge-offs | 213.3333% | 1,179 |
| Earnings coverage of net charge-offs (x) | 83.5333% | 997 |
| Efficiency ratio | 73.7592% | 1,485 |
| Assets per employee ($millions) | 3.1544% | 4,361 |
| Cash dividends to net income (ytd only)* | 69.2526% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,034 |
| Loan loss allowance to noncurrent loans | 82.8956% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.2389% | 346 |
| Noncurrent loans to loans | 1.5045% | 458 |
| Net loans and leases to total assets | 81.3200% | 497 |
| Net loans and leases to deposits | 100.7442% | 498 |
| Net loans and leases to core deposits | 110.3551% | 949 |
| Total domestic deposits to total assets | 80.7200% | 3,352 |
| Equity capital to assets | 9.3471% | 2,458 |
| Core capital (leverage) ratio | 9.7986% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $122,071,400 | 3,633 |
| Average earning assets | $112,968,200 | 3,615 |
| Average equity | $10,958,200 | 3,617 |
| Average total loans | $97,350,400 | 3,207 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2192% | 1,421 |
| Cost of funding earning assets | 1.3723% | 1,943 |
| Net interest margin | 3.8468% | 1,501 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.8151% | 1,398 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.0699% | 2,150 |
| Return on assets (ROA) | 1.0699% | 2,137 |
| Pretax return on assets | 1.0699% | 2,655 |
| Return on Equity (ROE) | 12.0400% | 2,117 |
| Retained earnings to average equity (ytd only) | 4.9310% | 2,957 |
| Net charge-offs to loans | 0.0041% | 2,344 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 366.6667% | 391 |
| Efficiency ratio | 70.1816% | 1,764 |
| Assets per employee ($millions) | 3.4011% | 4,340 |
| Cash dividends to net income (ytd only)* | 59.0447% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,120 |
| Loan loss allowance to noncurrent loans | 80.9241% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.2727% | 333 |
| Noncurrent loans to loans | 1.5413% | 463 |
| Net loans and leases to total assets | 81.5500% | 471 |
| Net loans and leases to deposits | 100.9799% | 474 |
| Net loans and leases to core deposits | 110.6085% | 849 |
| Total domestic deposits to total assets | 80.7500% | 3,421 |
| Equity capital to assets | 9.3005% | 2,221 |
| Core capital (leverage) ratio | 9.9535% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $122,622,750 | 3,638 |
| Average earning assets | $113,476,500 | 3,626 |
| Average equity | $10,896,750 | 3,626 |
| Average total loans | $97,012,750 | 3,211 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 1,461 |
| Cost of funding earning assets | 1.2544% | 1,838 |
| Net interest margin | 3.7979% | 1,632 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.7718% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2001% | 1,833 |
| Return on assets (ROA) | 1.2001% | 1,819 |
| Pretax return on assets | 1.2001% | 2,356 |
| Return on Equity (ROE) | 13.7100% | 1,742 |
| Retained earnings to average equity (ytd only) | 6.4215% | 2,468 |
| Net charge-offs to loans | 0.0041% | 2,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 371.5000% | 385 |
| Efficiency ratio | 69.7845% | 1,783 |
| Assets per employee ($millions) | 3.2696% | 4,394 |
| Cash dividends to net income (ytd only)* | 53.1629% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,116 |
| Loan loss allowance to noncurrent loans | 126.5136% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 643 |
| Noncurrent loans to loans | 0.9978% | 758 |
| Net loans and leases to total assets | 78.3600% | 797 |
| Net loans and leases to deposits | 95.0746% | 782 |
| Net loans and leases to core deposits | 101.6601% | 1,151 |
| Total domestic deposits to total assets | 82.4200% | 3,154 |
| Equity capital to assets | 9.1655% | 2,399 |
| Core capital (leverage) ratio | 9.7537% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $123,818,000 | 3,635 |
| Average earning assets | $114,800,000 | 3,623 |
| Average equity | $10,838,667 | 3,645 |
| Average total loans | $96,585,000 | 3,212 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9054% | 1,400 |
| Cost of funding earning assets | 1.1344% | 1,651 |
| Net interest margin | 3.7710% | 1,748 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.6669% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2488% | 1,797 |
| Return on assets (ROA) | 1.2488% | 1,771 |
| Pretax return on assets | 1.2488% | 2,303 |
| Return on Equity (ROE) | 14.6000% | 1,645 |
| Retained earnings to average equity (ytd only) | -0.3733% | 4,072 |
| Net charge-offs to loans | 0.0083% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 512 |
| Efficiency ratio | 68.1077% | 1,959 |
| Assets per employee ($millions) | 3.4168% | 4,430 |
| Cash dividends to net income (ytd only)* | 102.5575% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,267 |
| Loan loss allowance to noncurrent loans | 218.3784% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 1,131 |
| Noncurrent loans to loans | 0.5748% | 1,296 |
| Net loans and leases to total assets | 77.5200% | 819 |
| Net loans and leases to deposits | 92.7519% | 868 |
| Net loans and leases to core deposits | 98.6651% | 1,145 |
| Total domestic deposits to total assets | 83.5800% | 3,179 |
| Equity capital to assets | 8.7461% | 2,700 |
| Core capital (leverage) ratio | 9.1714% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $125,239,000 | 3,667 |
| Average earning assets | $116,362,500 | 3,653 |
| Average equity | $10,714,000 | 3,701 |
| Average total loans | $96,873,500 | 3,243 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 708 |
| Cost of funding earning assets | 0.6038% | 889 |
| Net interest margin | 3.9054% | 947 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.7847% | 1,345 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.6633% | 590 |
| Return on assets (ROA) | 1.6633% | 560 |
| Pretax return on assets | 1.6633% | 1,007 |
| Return on Equity (ROE) | 20.1300% | 468 |
| Retained earnings to average equity (ytd only) | 13.7302% | 420 |
| Net charge-offs to loans | 0.0033% | 2,361 |
| Credit loss provision to net charge-offs | 800.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 684.3333% | 261 |
| Efficiency ratio | 62.3303% | 2,718 |
| Assets per employee ($millions) | 3.7493% | 4,364 |
| Cash dividends to net income (ytd only)* | 31.7891% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,155 |
| Loan loss allowance to noncurrent loans | 112.8253% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 544 |
| Noncurrent loans to loans | 1.1072% | 652 |
| Net loans and leases to total assets | 75.2900% | 1,091 |
| Net loans and leases to deposits | 96.7704% | 598 |
| Net loans and leases to core deposits | 102.5583% | 872 |
| Total domestic deposits to total assets | 77.8000% | 4,111 |
| Equity capital to assets | 8.3703% | 2,796 |
| Core capital (leverage) ratio | 9.2122% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5373% | 1,224 |
| Memoranda: | ||
| Average total assets | $121,987,000 | 3,705 |
| Average earning assets | $112,613,000 | 3,699 |
| Average equity | $10,080,000 | 3,862 |
| Average total loans | $91,970,800 | 3,266 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 563 |
| Cost of funding earning assets | 0.4882% | 798 |
| Net interest margin | 3.9284% | 745 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 2.8851% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7410% | 484 |
| Return on assets (ROA) | 1.7410% | 469 |
| Pretax return on assets | 1.7410% | 823 |
| Return on Equity (ROE) | 21.1400% | 343 |
| Retained earnings to average equity (ytd only) | 15.3835% | 335 |
| Net charge-offs to loans | 0.0029% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 787.5000% | 208 |
| Efficiency ratio | 62.3656% | 2,784 |
| Assets per employee ($millions) | 3.4623% | 4,484 |
| Cash dividends to net income (ytd only)* | 27.2381% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,120 |
| Loan loss allowance to noncurrent loans | 98.3485% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 463 |
| Noncurrent loans to loans | 1.3036% | 560 |
| Net loans and leases to total assets | 73.5800% | 1,133 |
| Net loans and leases to deposits | 88.9142% | 969 |
| Net loans and leases to core deposits | 91.6685% | 1,199 |
| Total domestic deposits to total assets | 82.7500% | 3,725 |
| Equity capital to assets | 8.2934% | 2,684 |
| Core capital (leverage) ratio | 8.6634% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0929% | 1,155 |
| Memoranda: | ||
| Average total assets | $120,615,000 | 3,744 |
| Average earning assets | $111,153,500 | 3,738 |
| Average equity | $9,932,500 | 3,924 |
| Average total loans | $90,667,000 | 3,286 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 538 |
| Cost of funding earning assets | 0.4035% | 895 |
| Net interest margin | 3.8776% | 640 |
| Noninterest income to average assets | 0.3555% | 3,026 |
| Noninterest expense to average assets | 2.8607% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0564% | 1,951 |
| Return on assets (ROA) | 1.0564% | 1,918 |
| Pretax return on assets | 1.0564% | 2,552 |
| Return on Equity (ROE) | 12.8602% | 1,415 |
| Retained earnings to average equity (ytd only) | 6.7567% | 2,068 |
| Net charge-offs to loans | 0.0044% | 1,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 388 |
| Efficiency ratio | 73.0308% | 1,622 |
| Assets per employee ($millions) | 3.2620% | 4,586 |
| Cash dividends to net income (ytd only)* | 47.4603% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,555 |
| Loan loss allowance to noncurrent loans | 208.3916% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 296 |
| Noncurrent loans to loans | 0.5886% | 1,438 |
| Net loans and leases to total assets | 75.4514% | 782 |
| Net loans and leases to deposits | 89.0955% | 767 |
| Net loans and leases to core deposits | 91.7263% | 1,029 |
| Total domestic deposits to total assets | 84.6860% | 3,552 |
| Equity capital to assets | 7.6908% | 3,352 |
| Core capital (leverage) ratio | 8.4772% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0050% | 1,705 |
| Memoranda: | ||
| Average total assets | $119,273,000 | 3,806 |
| Average earning assets | $109,553,333 | 3,810 |
| Average equity | $9,797,667 | 4,020 |
| Average total loans | $89,923,333 | 3,328 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 550 |
| Cost of funding earning assets | 0.4031% | 850 |
| Net interest margin | 3.7708% | 665 |
| Noninterest income to average assets | 0.3539% | 2,973 |
| Noninterest expense to average assets | 3.0355% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7910% | 2,691 |
| Return on assets (ROA) | 0.7910% | 2,687 |
| Pretax return on assets | 0.7910% | 3,130 |
| Return on Equity (ROE) | 9.3019% | 2,212 |
| Retained earnings to average equity (ytd only) | 1.5095% | 3,689 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3291% | 1,200 |
| Assets per employee ($millions) | 2.8015% | 4,673 |
| Cash dividends to net income (ytd only)* | 83.7719% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,178 |
| Loan loss allowance to noncurrent loans | 229.8651% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3955% | 270 |
| Noncurrent loans to loans | 0.5821% | 1,593 |
| Net loans and leases to total assets | 74.7571% | 592 |
| Net loans and leases to deposits | 81.5280% | 1,042 |
| Net loans and leases to core deposits | 83.8845% | 1,247 |
| Total domestic deposits to total assets | 91.6951% | 697 |
| Equity capital to assets | 8.2046% | 3,402 |
| Core capital (leverage) ratio | 8.6262% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6033% | 1,616 |
| Memoranda: | ||
| Average total assets | $115,301,000 | 3,860 |
| Average earning assets | $106,185,000 | 3,856 |
| Average equity | $9,804,500 | 4,075 |
| Average total loans | $86,295,500 | 3,384 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 669 |
| Cost of funding earning assets | 0.5574% | 681 |
| Net interest margin | 3.8798% | 870 |
| Noninterest income to average assets | 0.4061% | 3,017 |
| Noninterest expense to average assets | 3.0515% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9051% | 3,018 |
| Return on assets (ROA) | 0.9051% | 3,085 |
| Pretax return on assets | 0.9051% | 3,503 |
| Return on Equity (ROE) | 10.1756% | 2,468 |
| Retained earnings to average equity (ytd only) | 6.4904% | 2,133 |
| Net charge-offs to loans | -0.0430% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1236% | 1,016 |
| Assets per employee ($millions) | 2.8958% | 4,703 |
| Cash dividends to net income (ytd only)* | 36.2157% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,804 |
| Loan loss allowance to noncurrent loans | 231.6505% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.4504% | 297 |
| Noncurrent loans to loans | 0.6172% | 1,599 |
| Net loans and leases to total assets | 72.8211% | 779 |
| Net loans and leases to deposits | 82.3383% | 1,033 |
| Net loans and leases to core deposits | 84.9081% | 1,269 |
| Total domestic deposits to total assets | 88.4413% | 1,822 |
| Equity capital to assets | 8.8146% | 3,796 |
| Core capital (leverage) ratio | 9.0874% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2516% | 1,444 |
| Memoranda: | ||
| Average total assets | $108,601,000 | 3,910 |
| Average earning assets | $99,386,400 | 3,913 |
| Average equity | $9,660,400 | 4,173 |
| Average total loans | $74,476,600 | 3,578 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 854 |
| Cost of funding earning assets | 0.5899% | 671 |
| Net interest margin | 3.7821% | 1,157 |
| Noninterest income to average assets | 0.4204% | 2,978 |
| Noninterest expense to average assets | 3.0680% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8110% | 3,496 |
| Return on assets (ROA) | 0.8110% | 3,567 |
| Pretax return on assets | 0.8110% | 3,869 |
| Return on Equity (ROE) | 9.0957% | 3,082 |
| Retained earnings to average equity (ytd only) | 5.6326% | 2,985 |
| Net charge-offs to loans | -0.0609% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0921% | 808 |
| Assets per employee ($millions) | 2.5889% | 4,810 |
| Cash dividends to net income (ytd only)* | 38.0734% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,584 |
| Loan loss allowance to noncurrent loans | 137.5576% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.8757% | 216 |
| Noncurrent loans to loans | 1.1006% | 1,020 |
| Net loans and leases to total assets | 73.1737% | 758 |
| Net loans and leases to deposits | 80.7517% | 1,215 |
| Net loans and leases to core deposits | 83.6422% | 1,456 |
| Total domestic deposits to total assets | 90.6158% | 498 |
| Equity capital to assets | 9.2203% | 3,633 |
| Core capital (leverage) ratio | 9.2614% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7779% | 1,395 |
| Memoranda: | ||
| Average total assets | $107,517,000 | 3,969 |
| Average earning assets | $98,319,500 | 3,974 |
| Average equity | $9,586,750 | 4,239 |
| Average total loans | $72,237,000 | 3,662 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 906 |
| Cost of funding earning assets | 0.6078% | 720 |
| Net interest margin | 3.7521% | 1,215 |
| Noninterest income to average assets | 0.4186% | 3,011 |
| Noninterest expense to average assets | 3.0693% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7798% | 3,563 |
| Return on assets (ROA) | 0.7798% | 3,631 |
| Pretax return on assets | 0.7798% | 3,909 |
| Return on Equity (ROE) | 8.8445% | 3,154 |
| Retained earnings to average equity (ytd only) | 6.0084% | 2,799 |
| Net charge-offs to loans | -0.0971% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7401% | 802 |
| Assets per employee ($millions) | 2.6940% | 4,831 |
| Cash dividends to net income (ytd only)* | 32.0665% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 1,135 |
| Loan loss allowance to noncurrent loans | 192.1222% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 312 |
| Noncurrent loans to loans | 0.8671% | 1,416 |
| Net loans and leases to total assets | 67.1365% | 1,561 |
| Net loans and leases to deposits | 74.0624% | 1,997 |
| Net loans and leases to core deposits | 76.2702% | 2,212 |
| Total domestic deposits to total assets | 90.6486% | 497 |
| Equity capital to assets | 9.1915% | 3,607 |
| Core capital (leverage) ratio | 8.8757% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2204% | 1,077 |
| Memoranda: | ||
| Average total assets | $107,974,000 | 3,980 |
| Average earning assets | $98,717,333 | 3,986 |
| Average equity | $9,520,000 | 4,259 |
| Average total loans | $70,027,667 | 3,722 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 1,617 |
| Cost of funding earning assets | 0.6304% | 757 |
| Net interest margin | 3.3676% | 2,194 |
| Noninterest income to average assets | 0.4423% | 2,861 |
| Noninterest expense to average assets | 3.0632% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4642% | 4,245 |
| Return on assets (ROA) | 0.4642% | 4,284 |
| Pretax return on assets | 0.4642% | 4,403 |
| Return on Equity (ROE) | 5.3748% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.3748% | 3,100 |
| Net charge-offs to loans | -0.1966% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8394% | 481 |
| Assets per employee ($millions) | 2.7093% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 968 |
| Loan loss allowance to noncurrent loans | 218.8645% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.5025% | 425 |
| Noncurrent loans to loans | 0.7937% | 1,665 |
| Net loans and leases to total assets | 60.8536% | 2,423 |
| Net loans and leases to deposits | 66.6161% | 2,850 |
| Net loans and leases to core deposits | 68.4662% | 3,022 |
| Total domestic deposits to total assets | 91.3497% | 280 |
| Equity capital to assets | 8.5234% | 4,094 |
| Core capital (leverage) ratio | 8.8243% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6469% | 976 |
| Memoranda: | ||
| Average total assets | $109,428,500 | 3,977 |
| Average earning assets | $100,249,500 | 3,976 |
| Average equity | $9,451,500 | 4,279 |
| Average total loans | $69,175,500 | 3,759 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 1,473 |
| Cost of funding earning assets | 0.9048% | 840 |
| Net interest margin | 3.5327% | 2,362 |
| Noninterest income to average assets | -0.2628% | 4,992 |
| Noninterest expense to average assets | 3.7931% | 461 |
| Loan and lease loss provision to assets | 0.0454% | 3,833 |
| Net operating income to assets | -0.9017% | 4,920 |
| Return on assets (ROA) | -0.8998% | 4,924 |
| Pretax return on assets | -0.8998% | 4,920 |
| Return on Equity (ROE) | -10.8604% | 4,948 |
| Retained earnings to average equity (ytd only) | -10.8604% | 4,919 |
| Net charge-offs to loans | 0.0703% | 1,786 |
| Credit loss provision to net charge-offs | 94.1176% | 2,898 |
| Earnings coverage of net charge-offs (x) | -17.7647% | 3,418 |
| Efficiency ratio | 129.1600% | 58 |
| Assets per employee ($millions) | 2.6944% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 1,115 |
| Loan loss allowance to noncurrent loans | 134.8837% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.8400% | 330 |
| Noncurrent loans to loans | 1.2364% | 1,123 |
| Net loans and leases to total assets | 63.4643% | 2,435 |
| Net loans and leases to deposits | 70.3712% | 2,839 |
| Net loans and leases to core deposits | 73.2595% | 2,974 |
| Total domestic deposits to total assets | 90.1850% | 493 |
| Equity capital to assets | 8.7544% | 4,255 |
| Core capital (leverage) ratio | 8.8326% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3958% | 984 |
| Memoranda: | ||
| Average total assets | $105,796,800 | 3,919 |
| Average earning assets | $95,818,800 | 3,948 |
| Average equity | $8,765,800 | 4,341 |
| Average total loans | $72,526,000 | 3,679 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5755% | 1,378 |
| Cost of funding earning assets | 0.9504% | 906 |
| Net interest margin | 3.6251% | 2,175 |
| Noninterest income to average assets | 0.2874% | 3,762 |
| Noninterest expense to average assets | 3.8947% | 414 |
| Loan and lease loss provision to assets | 0.0608% | 3,581 |
| Net operating income to assets | -0.3887% | 4,880 |
| Return on assets (ROA) | -0.3887% | 4,888 |
| Pretax return on assets | -0.3887% | 4,878 |
| Return on Equity (ROE) | -4.7604% | 4,911 |
| Retained earnings to average equity (ytd only) | -4.7604% | 4,837 |
| Net charge-offs to loans | 0.0855% | 1,456 |
| Credit loss provision to net charge-offs | 102.1277% | 2,606 |
| Earnings coverage of net charge-offs (x) | -5.5106% | 3,190 |
| Efficiency ratio | 109.1942% | 117 |
| Assets per employee ($millions) | 2.7419% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 898 |
| Loan loss allowance to noncurrent loans | 144.2379% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 2.3398% | 241 |
| Noncurrent loans to loans | 1.1777% | 1,288 |
| Net loans and leases to total assets | 62.9940% | 2,888 |
| Net loans and leases to deposits | 69.6097% | 3,344 |
| Net loans and leases to core deposits | 72.4853% | 3,435 |
| Total domestic deposits to total assets | 90.4960% | 286 |
| Equity capital to assets | 8.3369% | 4,555 |
| Core capital (leverage) ratio | 8.0992% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1934% | 1,212 |
| Memoranda: | ||
| Average total assets | $105,302,500 | 3,925 |
| Average earning assets | $95,259,500 | 3,950 |
| Average equity | $8,598,500 | 4,377 |
| Average total loans | $73,268,000 | 3,686 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 1,281 |
| Cost of funding earning assets | 0.9795% | 1,047 |
| Net interest margin | 3.7701% | 1,919 |
| Noninterest income to average assets | 0.2558% | 3,941 |
| Noninterest expense to average assets | 4.0512% | 388 |
| Loan and lease loss provision to assets | 0.0916% | 3,123 |
| Net operating income to assets | -0.4849% | 4,914 |
| Return on assets (ROA) | -0.4849% | 4,912 |
| Pretax return on assets | -0.4849% | 4,898 |
| Return on Equity (ROE) | -5.9814% | 4,940 |
| Retained earnings to average equity (ytd only) | -5.9814% | 4,814 |
| Net charge-offs to loans | 0.1015% | 1,258 |
| Credit loss provision to net charge-offs | 126.3158% | 2,248 |
| Earnings coverage of net charge-offs (x) | -5.4211% | 2,977 |
| Efficiency ratio | 110.7516% | 115 |
| Assets per employee ($millions) | 2.6113% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 949 |
| Loan loss allowance to noncurrent loans | 173.6686% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 2.2749% | 275 |
| Noncurrent loans to loans | 0.9360% | 1,653 |
| Net loans and leases to total assets | 64.7832% | 2,781 |
| Net loans and leases to deposits | 71.2412% | 3,329 |
| Net loans and leases to core deposits | 74.3429% | 3,431 |
| Total domestic deposits to total assets | 90.9350% | 159 |
| Equity capital to assets | 7.9608% | 4,737 |
| Core capital (leverage) ratio | 7.9548% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2621% | 1,423 |
| Memoranda: | ||
| Average total assets | $104,758,667 | 3,928 |
| Average earning assets | $94,533,667 | 3,962 |
| Average equity | $8,493,000 | 4,407 |
| Average total loans | $74,848,667 | 3,668 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 833 |
| Cost of funding earning assets | 1.0189% | 1,342 |
| Net interest margin | 4.0580% | 1,228 |
| Noninterest income to average assets | 0.2268% | 4,189 |
| Noninterest expense to average assets | 4.8524% | 242 |
| Loan and lease loss provision to assets | 0.1877% | 1,589 |
| Net operating income to assets | -1.1691% | 5,005 |
| Return on assets (ROA) | -1.1691% | 4,987 |
| Pretax return on assets | -1.1691% | 4,969 |
| Return on Equity (ROE) | -14.2823% | 5,032 |
| Retained earnings to average equity (ytd only) | -14.2823% | 4,879 |
| Net charge-offs to loans | 1.2500% | 121 |
| Credit loss provision to net charge-offs | 20.1681% | 2,199 |
| Earnings coverage of net charge-offs (x) | -1.0546% | 2,500 |
| Efficiency ratio | 125.3535% | 92 |
| Assets per employee ($millions) | 2.5670% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,205 |
| Loan loss allowance to noncurrent loans | 137.4294% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 2.4799% | 278 |
| Noncurrent loans to loans | 0.9354% | 1,762 |
| Net loans and leases to total assets | 70.9942% | 2,092 |
| Net loans and leases to deposits | 79.0746% | 2,768 |
| Net loans and leases to core deposits | 82.9798% | 2,937 |
| Total domestic deposits to total assets | 89.7813% | 390 |
| Equity capital to assets | 7.8633% | 4,995 |
| Core capital (leverage) ratio | 8.0244% | 4,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9966% | 1,904 |
| Memoranda: | ||
| Average total assets | $102,300,500 | 3,955 |
| Average earning assets | $91,867,500 | 3,999 |
| Average equity | $8,374,000 | 4,446 |
| Average total loans | $76,160,500 | 3,641 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 769 |
| Cost of funding earning assets | 0.9984% | 1,729 |
| Net interest margin | 4.3366% | 1,016 |
| Noninterest income to average assets | -0.2116% | 5,163 |
| Noninterest expense to average assets | 3.6489% | 808 |
| Loan and lease loss provision to assets | 0.1809% | 1,144 |
| Net operating income to assets | -0.1881% | 5,019 |
| Return on assets (ROA) | -0.1881% | 5,028 |
| Pretax return on assets | -0.1881% | 5,019 |
| Return on Equity (ROE) | -2.2442% | 5,039 |
| Retained earnings to average equity (ytd only) | -2.2442% | 4,881 |
| Net charge-offs to loans | 0.1686% | 1,204 |
| Credit loss provision to net charge-offs | 137.2093% | 1,876 |
| Earnings coverage of net charge-offs (x) | -0.0543% | 3,635 |
| Efficiency ratio | 100.1403% | 157 |
| Assets per employee ($millions) | 2.4232% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 1,172 |
| Loan loss allowance to noncurrent loans | 110.2370% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 3.2591% | 153 |
| Noncurrent loans to loans | 1.3768% | 1,079 |
| Net loans and leases to total assets | 75.9564% | 1,424 |
| Net loans and leases to deposits | 86.1984% | 2,064 |
| Net loans and leases to core deposits | 90.3275% | 2,394 |
| Total domestic deposits to total assets | 88.1181% | 1,078 |
| Equity capital to assets | 8.5272% | 4,901 |
| Core capital (leverage) ratio | 8.5287% | 4,832 |
| Tier 1 risk-based capital ratio | 13.8604% | 3,335 |
| Total risk-based capital ratio | 15.1183% | 3,240 |
| Memoranda: | ||
| Average total assets | $97,836,400 | 4,035 |
| Average earning assets | $86,935,200 | 4,083 |
| Average equity | $8,199,000 | 4,485 |
| Average total loans | $76,530,800 | 3,658 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 738 |
| Cost of funding earning assets | 0.9630% | 1,921 |
| Net interest margin | 4.4112% | 922 |
| Noninterest income to average assets | -0.4200% | 5,241 |
| Noninterest expense to average assets | 3.3901% | 1,116 |
| Loan and lease loss provision to assets | 0.2421% | 684 |
| Net operating income to assets | -0.1354% | 5,092 |
| Return on assets (ROA) | -0.1354% | 5,099 |
| Pretax return on assets | -0.1354% | 5,094 |
| Return on Equity (ROE) | -1.6235% | 5,110 |
| Retained earnings to average equity (ytd only) | -1.6235% | 4,902 |
| Net charge-offs to loans | 0.2231% | 795 |
| Credit loss provision to net charge-offs | 138.2813% | 1,739 |
| Earnings coverage of net charge-offs (x) | 0.6094% | 3,353 |
| Efficiency ratio | 96.8701% | 181 |
| Assets per employee ($millions) | 2.4403% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 1,151 |
| Loan loss allowance to noncurrent loans | 104.2077% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 3.4310% | 148 |
| Noncurrent loans to loans | 1.4729% | 1,033 |
| Net loans and leases to total assets | 76.5014% | 1,396 |
| Net loans and leases to deposits | 88.1586% | 1,909 |
| Net loans and leases to core deposits | 92.9451% | 2,273 |
| Total domestic deposits to total assets | 86.7770% | 1,634 |
| Equity capital to assets | 8.7706% | 4,886 |
| Core capital (leverage) ratio | 8.8928% | 4,718 |
| Tier 1 risk-based capital ratio | 14.0399% | 3,309 |
| Total risk-based capital ratio | 15.2981% | 3,211 |
| Memoranda: | ||
| Average total assets | $97,457,250 | 4,082 |
| Average earning assets | $86,535,000 | 4,139 |
| Average equity | $8,130,750 | 4,540 |
| Average total loans | $76,506,500 | 3,699 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 1,192 |
| Cost of funding earning assets | 0.9696% | 1,830 |
| Net interest margin | 4.1393% | 1,500 |
| Noninterest income to average assets | -0.9014% | 5,294 |
| Noninterest expense to average assets | 3.4413% | 1,040 |
| Loan and lease loss provision to assets | 0.3634% | 349 |
| Net operating income to assets | -1.0246% | 5,227 |
| Return on assets (ROA) | -1.0246% | 5,231 |
| Pretax return on assets | -1.0246% | 5,226 |
| Return on Equity (ROE) | -12.4948% | 5,253 |
| Retained earnings to average equity (ytd only) | -12.4948% | 5,199 |
| Net charge-offs to loans | 0.0209% | 2,439 |
| Credit loss provision to net charge-offs | 2,212.5000% | 168 |
| Earnings coverage of net charge-offs (x) | -40.2500% | 3,161 |
| Efficiency ratio | 123.6337% | 71 |
| Assets per employee ($millions) | 2.5388% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 856 |
| Loan loss allowance to noncurrent loans | 61.6123% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 4.4074% | 93 |
| Noncurrent loans to loans | 2.7281% | 395 |
| Net loans and leases to total assets | 77.8502% | 1,249 |
| Net loans and leases to deposits | 89.4247% | 1,811 |
| Net loans and leases to core deposits | 94.6003% | 2,191 |
| Total domestic deposits to total assets | 87.0568% | 1,577 |
| Equity capital to assets | 8.4519% | 5,060 |
| Core capital (leverage) ratio | 8.4009% | 5,010 |
| Tier 1 risk-based capital ratio | 13.0309% | 3,823 |
| Total risk-based capital ratio | 14.2917% | 3,723 |
| Memoranda: | ||
| Average total assets | $97,406,330 | 4,108 |
| Average earning assets | $86,632,330 | 4,162 |
| Average equity | $7,987,330 | 4,582 |
| Average total loans | $76,729,670 | 3,720 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 1,090 |
| Cost of funding earning assets | 1.0066% | 1,544 |
| Net interest margin | 4.0954% | 1,560 |
| Noninterest income to average assets | -2.3173% | 5,359 |
| Noninterest expense to average assets | 3.4167% | 1,088 |
| Loan and lease loss provision to assets | 0.7234% | 142 |
| Net operating income to assets | -2.8159% | 5,329 |
| Return on assets (ROA) | -2.8159% | 5,329 |
| Pretax return on assets | -2.8159% | 5,325 |
| Return on Equity (ROE) | -34.8684% | 5,346 |
| Retained earnings to average equity (ytd only) | -34.8684% | 5,320 |
| Net charge-offs to loans | 0.0260% | 1,935 |
| Credit loss provision to net charge-offs | 3,540.0000% | 120 |
| Earnings coverage of net charge-offs (x) | -102.4000% | 2,734 |
| Efficiency ratio | 257.4074% | 10 |
| Assets per employee ($millions) | 2.5396% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 882 |
| Loan loss allowance to noncurrent loans | 62.9340% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 4.2537% | 103 |
| Noncurrent loans to loans | 2.6828% | 458 |
| Net loans and leases to total assets | 75.6633% | 1,536 |
| Net loans and leases to deposits | 87.3325% | 1,957 |
| Net loans and leases to core deposits | 91.3301% | 2,365 |
| Total domestic deposits to total assets | 86.6383% | 1,990 |
| Equity capital to assets | 8.0035% | 5,181 |
| Core capital (leverage) ratio | 8.0365% | 5,198 |
| Tier 1 risk-based capital ratio | 12.8968% | 3,929 |
| Total risk-based capital ratio | 14.1564% | 3,820 |
| Memoranda: | ||
| Average total assets | $97,872,000 | 4,138 |
| Average earning assets | $87,025,000 | 4,200 |
| Average equity | $7,904,000 | 4,624 |
| Average total loans | $76,899,500 | 3,755 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 896 |
| Cost of funding earning assets | 0.7437% | 1,830 |
| Net interest margin | 4.3316% | 1,087 |
| Noninterest income to average assets | -0.2250% | 5,386 |
| Noninterest expense to average assets | 3.7843% | 700 |
| Loan and lease loss provision to assets | 0.6720% | 157 |
| Net operating income to assets | -0.8510% | 5,336 |
| Return on assets (ROA) | -0.8510% | 5,330 |
| Pretax return on assets | -0.8510% | 5,329 |
| Return on Equity (ROE) | -10.0753% | 5,349 |
| Retained earnings to average equity (ytd only) | -10.0753% | 5,318 |
| Net charge-offs to loans | 1.0985% | 128 |
| Credit loss provision to net charge-offs | 77.3852% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.2061% | 3,722 |
| Efficiency ratio | 104.2553% | 110 |
| Assets per employee ($millions) | 2.4795% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,496 |
| Loan loss allowance to noncurrent loans | 57.0917% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 4.2668% | 96 |
| Noncurrent loans to loans | 2.5177% | 482 |
| Net loans and leases to total assets | 79.0662% | 1,087 |
| Net loans and leases to deposits | 92.6729% | 1,443 |
| Net loans and leases to core deposits | 97.6974% | 1,888 |
| Total domestic deposits to total assets | 85.3175% | 2,507 |
| Equity capital to assets | 8.1499% | 5,109 |
| Core capital (leverage) ratio | 8.1815% | 5,177 |
| Tier 1 risk-based capital ratio | 12.2493% | 4,268 |
| Total risk-based capital ratio | 13.5049% | 4,154 |
| Memoranda: | ||
| Average total assets | $97,773,000 | 4,139 |
| Average earning assets | $86,457,200 | 4,212 |
| Average equity | $8,257,800 | 4,565 |
| Average total loans | $77,284,800 | 3,721 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 870 |
| Cost of funding earning assets | 0.7110% | 1,792 |
| Net interest margin | 4.3261% | 1,057 |
| Noninterest income to average assets | 0.3005% | 4,137 |
| Noninterest expense to average assets | 3.8146% | 656 |
| Loan and lease loss provision to assets | 0.8622% | 101 |
| Net operating income to assets | -0.5535% | 5,392 |
| Return on assets (ROA) | -0.5535% | 5,387 |
| Pretax return on assets | -0.5535% | 5,387 |
| Return on Equity (ROE) | -6.4972% | 5,399 |
| Retained earnings to average equity (ytd only) | -6.4972% | 5,338 |
| Net charge-offs to loans | 1.4626% | 83 |
| Credit loss provision to net charge-offs | 74.8524% | 2,586 |
| Earnings coverage of net charge-offs (x) | 0.2680% | 3,411 |
| Efficiency ratio | 91.9195% | 280 |
| Assets per employee ($millions) | 2.6768% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 1,638 |
| Loan loss allowance to noncurrent loans | 48.6438% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 4.5111% | 101 |
| Noncurrent loans to loans | 2.9118% | 383 |
| Net loans and leases to total assets | 79.0168% | 1,163 |
| Net loans and leases to deposits | 91.8692% | 1,640 |
| Net loans and leases to core deposits | 96.8088% | 2,044 |
| Total domestic deposits to total assets | 86.0102% | 2,184 |
| Equity capital to assets | 8.4389% | 4,964 |
| Core capital (leverage) ratio | 8.4596% | 5,112 |
| Tier 1 risk-based capital ratio | 12.8594% | 3,989 |
| Total risk-based capital ratio | 14.1147% | 3,889 |
| Memoranda: | ||
| Average total assets | $98,041,250 | 4,170 |
| Average earning assets | $86,635,250 | 4,257 |
| Average equity | $8,352,000 | 4,597 |
| Average total loans | $77,213,000 | 3,753 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 865 |
| Cost of funding earning assets | 0.7077% | 1,579 |
| Net interest margin | 4.2689% | 1,111 |
| Noninterest income to average assets | 0.3773% | 3,632 |
| Noninterest expense to average assets | 3.4929% | 1,004 |
| Loan and lease loss provision to assets | 0.8215% | 106 |
| Net operating income to assets | -0.1684% | 5,393 |
| Return on assets (ROA) | -0.1684% | 5,390 |
| Pretax return on assets | -0.1684% | 5,386 |
| Return on Equity (ROE) | -1.9702% | 5,396 |
| Retained earnings to average equity (ytd only) | -1.9702% | 5,147 |
| Net charge-offs to loans | 1.2020% | 105 |
| Credit loss provision to net charge-offs | 87.2845% | 2,190 |
| Earnings coverage of net charge-offs (x) | 0.6940% | 3,116 |
| Efficiency ratio | 83.6595% | 710 |
| Assets per employee ($millions) | 2.2566% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 1,053 |
| Loan loss allowance to noncurrent loans | 46.8797% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 4.9539% | 91 |
| Noncurrent loans to loans | 3.4614% | 285 |
| Net loans and leases to total assets | 77.9111% | 1,331 |
| Net loans and leases to deposits | 87.8550% | 2,127 |
| Net loans and leases to core deposits | 92.1020% | 2,390 |
| Total domestic deposits to total assets | 88.6814% | 1,064 |
| Equity capital to assets | 8.6062% | 4,870 |
| Core capital (leverage) ratio | 8.4988% | 5,113 |
| Tier 1 risk-based capital ratio | 12.9463% | 3,919 |
| Total risk-based capital ratio | 14.2041% | 3,838 |
| Memoranda: | ||
| Average total assets | $98,600,670 | 4,199 |
| Average earning assets | $87,047,330 | 4,274 |
| Average equity | $8,425,330 | 4,627 |
| Average total loans | $77,205,000 | 3,770 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 962 |
| Cost of funding earning assets | 0.7230% | 1,327 |
| Net interest margin | 4.1333% | 1,359 |
| Noninterest income to average assets | 0.3663% | 3,691 |
| Noninterest expense to average assets | 3.4855% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5393% | 4,608 |
| Return on assets (ROA) | 0.5393% | 4,612 |
| Pretax return on assets | 0.5393% | 4,813 |
| Return on Equity (ROE) | 6.3338% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.3338% | 2,574 |
| Net charge-offs to loans | 0.0414% | 1,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,608 |
| Efficiency ratio | 86.0000% | 651 |
| Assets per employee ($millions) | 2.3468% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 953 |
| Loan loss allowance to noncurrent loans | 40.7721% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 5.2848% | 90 |
| Noncurrent loans to loans | 4.1605% | 230 |
| Net loans and leases to total assets | 74.5987% | 1,776 |
| Net loans and leases to deposits | 84.7870% | 2,311 |
| Net loans and leases to core deposits | 89.3095% | 2,511 |
| Total domestic deposits to total assets | 87.9836% | 1,632 |
| Equity capital to assets | 8.4351% | 5,027 |
| Core capital (leverage) ratio | 8.5761% | 5,084 |
| Tier 1 risk-based capital ratio | 13.0091% | 3,939 |
| Total risk-based capital ratio | 14.2675% | 3,851 |
| Memoranda: | ||
| Average total assets | $99,383,500 | 4,231 |
| Average earning assets | $87,968,500 | 4,300 |
| Average equity | $8,462,500 | 4,671 |
| Average total loans | $77,383,500 | 3,801 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 1,088 |
| Cost of funding earning assets | 0.5978% | 1,608 |
| Net interest margin | 4.1472% | 1,310 |
| Noninterest income to average assets | 0.3758% | 3,783 |
| Noninterest expense to average assets | 3.5009% | 1,032 |
| Loan and lease loss provision to assets | 1.5022% | 58 |
| Net operating income to assets | -0.8702% | 5,571 |
| Return on assets (ROA) | -0.8320% | 5,569 |
| Pretax return on assets | -0.8320% | 5,581 |
| Return on Equity (ROE) | -9.0537% | 5,587 |
| Retained earnings to average equity (ytd only) | -12.0060% | 5,563 |
| Net charge-offs to loans | 3.1315% | 39 |
| Credit loss provision to net charge-offs | 59.1845% | 3,225 |
| Earnings coverage of net charge-offs (x) | 0.2490% | 4,002 |
| Efficiency ratio | 84.1235% | 757 |
| Assets per employee ($millions) | 2.2240% | 5,531 |
| Cash dividends to net income (ytd only)* | -32.6087% | 5,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 993 |
| Loan loss allowance to noncurrent loans | 40.0552% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 5.5286% | 76 |
| Noncurrent loans to loans | 4.1732% | 221 |
| Net loans and leases to total assets | 78.5673% | 1,209 |
| Net loans and leases to deposits | 90.9695% | 1,653 |
| Net loans and leases to core deposits | 97.3042% | 1,911 |
| Total domestic deposits to total assets | 86.3666% | 2,286 |
| Equity capital to assets | 8.5974% | 5,044 |
| Core capital (leverage) ratio | 8.5242% | 5,116 |
| Tier 1 risk-based capital ratio | 12.3869% | 4,270 |
| Total risk-based capital ratio | 13.6455% | 4,178 |
| Memoranda: | ||
| Average total assets | $99,517,400 | 4,247 |
| Average earning assets | $90,156,600 | 4,286 |
| Average equity | $9,145,400 | 4,588 |
| Average total loans | $80,663,400 | 3,737 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 1,187 |
| Cost of funding earning assets | 0.5863% | 1,628 |
| Net interest margin | 4.0921% | 1,412 |
| Noninterest income to average assets | 0.3696% | 3,882 |
| Noninterest expense to average assets | 3.4489% | 1,070 |
| Loan and lease loss provision to assets | 1.3062% | 71 |
| Net operating income to assets | -0.6604% | 5,646 |
| Return on assets (ROA) | -0.6097% | 5,640 |
| Pretax return on assets | -0.6097% | 5,632 |
| Return on Equity (ROE) | -6.5318% | 5,646 |
| Retained earnings to average equity (ytd only) | -10.3908% | 5,613 |
| Net charge-offs to loans | 3.6842% | 31 |
| Credit loss provision to net charge-offs | 43.5886% | 2,981 |
| Earnings coverage of net charge-offs (x) | 0.2155% | 3,684 |
| Efficiency ratio | 83.6103% | 787 |
| Assets per employee ($millions) | 2.4220% | 5,543 |
| Cash dividends to net income (ytd only)* | -59.0806% | 5,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,273 |
| Loan loss allowance to noncurrent loans | 16.9248% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 7.0160% | 49 |
| Noncurrent loans to loans | 7.7885% | 53 |
| Net loans and leases to total assets | 78.8182% | 1,148 |
| Net loans and leases to deposits | 88.3396% | 2,011 |
| Net loans and leases to core deposits | 94.0316% | 2,274 |
| Total domestic deposits to total assets | 89.2218% | 769 |
| Equity capital to assets | 8.6617% | 5,179 |
| Core capital (leverage) ratio | 8.8092% | 4,953 |
| Tier 1 risk-based capital ratio | 12.6306% | 4,243 |
| Total risk-based capital ratio | 13.8835% | 4,139 |
| Memoranda: | ||
| Average total assets | $99,933,000 | 4,283 |
| Average earning assets | $90,970,000 | 4,309 |
| Average equity | $9,328,500 | 4,603 |
| Average total loans | $81,282,000 | 3,748 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 1,086 |
| Cost of funding earning assets | 0.5959% | 1,476 |
| Net interest margin | 4.0892% | 1,356 |
| Noninterest income to average assets | 0.3362% | 4,142 |
| Noninterest expense to average assets | 3.4529% | 1,073 |
| Loan and lease loss provision to assets | 0.3121% | 477 |
| Net operating income to assets | 0.2738% | 5,281 |
| Return on assets (ROA) | 0.3503% | 5,119 |
| Pretax return on assets | 0.3503% | 5,269 |
| Return on Equity (ROE) | 3.6628% | 4,930 |
| Retained earnings to average equity (ytd only) | -2.0208% | 5,348 |
| Net charge-offs to loans | 3.8749% | 30 |
| Credit loss provision to net charge-offs | 9.8413% | 2,855 |
| Earnings coverage of net charge-offs (x) | 0.1848% | 3,395 |
| Efficiency ratio | 84.8953% | 772 |
| Assets per employee ($millions) | 2.2980% | 5,620 |
| Cash dividends to net income (ytd only)* | 155.1724% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,370 |
| Loan loss allowance to noncurrent loans | 12.7503% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 8.0150% | 42 |
| Noncurrent loans to loans | 8.9389% | 36 |
| Net loans and leases to total assets | 78.6668% | 1,143 |
| Net loans and leases to deposits | 87.8516% | 2,004 |
| Net loans and leases to core deposits | 94.6488% | 2,097 |
| Total domestic deposits to total assets | 89.5450% | 715 |
| Equity capital to assets | 9.3255% | 4,592 |
| Core capital (leverage) ratio | 9.3550% | 4,282 |
| Tier 1 risk-based capital ratio | 13.6651% | 3,612 |
| Total risk-based capital ratio | 14.9162% | 3,533 |
| Memoranda: | ||
| Average total assets | $99,336,000 | 4,322 |
| Average earning assets | $89,944,000 | 4,359 |
| Average equity | $9,501,000 | 4,594 |
| Average total loans | $81,293,330 | 3,761 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 851 |
| Cost of funding earning assets | 0.6025% | 1,354 |
| Net interest margin | 4.1454% | 1,110 |
| Noninterest income to average assets | 0.3819% | 3,792 |
| Noninterest expense to average assets | 3.8274% | 657 |
| Loan and lease loss provision to assets | 0.1300% | 1,474 |
| Net operating income to assets | 0.1706% | 5,433 |
| Return on assets (ROA) | 0.3250% | 5,161 |
| Pretax return on assets | 0.3250% | 5,275 |
| Return on Equity (ROE) | 3.3554% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.3554% | 3,760 |
| Net charge-offs to loans | 0.0049% | 2,808 |
| Credit loss provision to net charge-offs | 3,200.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 695 |
| Efficiency ratio | 92.1260% | 445 |
| Assets per employee ($millions) | 2.3786% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9043% | 195 |
| Loan loss allowance to noncurrent loans | 28.7779% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 9.3601% | 39 |
| Noncurrent loans to loans | 10.0919% | 30 |
| Net loans and leases to total assets | 79.2779% | 936 |
| Net loans and leases to deposits | 88.7794% | 1,696 |
| Net loans and leases to core deposits | 95.7389% | 1,835 |
| Total domestic deposits to total assets | 89.2976% | 1,005 |
| Equity capital to assets | 9.5753% | 4,207 |
| Core capital (leverage) ratio | 9.6869% | 3,886 |
| Tier 1 risk-based capital ratio | 13.8934% | 3,545 |
| Total risk-based capital ratio | 15.1703% | 3,439 |
| Memoranda: | ||
| Average total assets | $98,449,000 | 4,383 |
| Average earning assets | $88,966,000 | 4,421 |
| Average equity | $9,537,000 | 4,617 |
| Average total loans | $81,711,500 | 3,775 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,271 |
| Cost of funding earning assets | 0.5879% | 1,428 |
| Net interest margin | 4.0179% | 1,586 |
| Noninterest income to average assets | 0.3540% | 4,201 |
| Noninterest expense to average assets | 3.2580% | 1,673 |
| Loan and lease loss provision to assets | 1.0788% | 92 |
| Net operating income to assets | -0.3165% | 5,746 |
| Return on assets (ROA) | -0.3165% | 5,756 |
| Pretax return on assets | -0.3165% | 5,745 |
| Return on Equity (ROE) | -3.1316% | 5,757 |
| Retained earnings to average equity (ytd only) | -7.1316% | 5,734 |
| Net charge-offs to loans | 0.0403% | 3,222 |
| Credit loss provision to net charge-offs | 3,315.1515% | 132 |
| Earnings coverage of net charge-offs (x) | 23.4242% | 1,682 |
| Efficiency ratio | 80.4268% | 1,369 |
| Assets per employee ($millions) | 2.3094% | 5,736 |
| Cash dividends to net income (ytd only)* | -127.7259% | 5,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8563% | 204 |
| Loan loss allowance to noncurrent loans | 27.8532% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 9.7386% | 37 |
| Noncurrent loans to loans | 10.2550% | 25 |
| Net loans and leases to total assets | 81.9785% | 613 |
| Net loans and leases to deposits | 93.6407% | 1,233 |
| Net loans and leases to core deposits | 101.3731% | 1,499 |
| Total domestic deposits to total assets | 87.5457% | 1,852 |
| Equity capital to assets | 9.8026% | 3,937 |
| Core capital (leverage) ratio | 9.7075% | 3,849 |
| Tier 1 risk-based capital ratio | 13.2597% | 3,918 |
| Total risk-based capital ratio | 14.5351% | 3,818 |
| Memoranda: | ||
| Average total assets | $101,412,400 | 4,325 |
| Average earning assets | $92,535,000 | 4,337 |
| Average equity | $10,250,200 | 4,527 |
| Average total loans | $81,930,600 | 3,762 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 1,369 |
| Cost of funding earning assets | 0.5931% | 1,387 |
| Net interest margin | 3.9737% | 1,730 |
| Noninterest income to average assets | 0.4331% | 3,669 |
| Noninterest expense to average assets | 3.1903% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8675% | 3,060 |
| Return on assets (ROA) | 0.8675% | 3,186 |
| Pretax return on assets | 0.8675% | 4,087 |
| Return on Equity (ROE) | 8.5218% | 2,752 |
| Retained earnings to average equity (ytd only) | 3.2835% | 3,936 |
| Net charge-offs to loans | 0.0586% | 2,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.5273% | 1,990 |
| Efficiency ratio | 78.0449% | 1,686 |
| Assets per employee ($millions) | 2.4824% | 5,732 |
| Cash dividends to net income (ytd only)* | 61.4690% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 1,716 |
| Loan loss allowance to noncurrent loans | 14.8038% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 9.9440% | 41 |
| Noncurrent loans to loans | 10.2357% | 32 |
| Net loans and leases to total assets | 81.2309% | 728 |
| Net loans and leases to deposits | 91.0537% | 1,623 |
| Net loans and leases to core deposits | 98.7234% | 1,751 |
| Total domestic deposits to total assets | 89.2121% | 791 |
| Equity capital to assets | 10.6399% | 3,419 |
| Core capital (leverage) ratio | 10.3616% | 3,145 |
| Tier 1 risk-based capital ratio | 13.9812% | 3,567 |
| Total risk-based capital ratio | 15.2359% | 3,486 |
| Memoranda: | ||
| Average total assets | $102,516,750 | 4,347 |
| Average earning assets | $93,513,750 | 4,353 |
| Average equity | $10,435,750 | 4,551 |
| Average total loans | $81,950,000 | 3,782 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 1,466 |
| Cost of funding earning assets | 0.5960% | 1,347 |
| Net interest margin | 3.9226% | 1,906 |
| Noninterest income to average assets | 0.3958% | 3,902 |
| Noninterest expense to average assets | 3.1586% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8205% | 3,214 |
| Return on assets (ROA) | 0.8205% | 3,354 |
| Pretax return on assets | 0.8205% | 4,216 |
| Return on Equity (ROE) | 8.1788% | 2,891 |
| Retained earnings to average equity (ytd only) | 0.2887% | 5,214 |
| Net charge-offs to loans | 0.0659% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 15.7407% | 1,971 |
| Efficiency ratio | 78.7967% | 1,679 |
| Assets per employee ($millions) | 2.3715% | 5,839 |
| Cash dividends to net income (ytd only)* | 96.4706% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,807 |
| Loan loss allowance to noncurrent loans | 14.7719% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 9.7494% | 48 |
| Noncurrent loans to loans | 10.2434% | 33 |
| Net loans and leases to total assets | 79.7833% | 942 |
| Net loans and leases to deposits | 88.9199% | 1,877 |
| Net loans and leases to core deposits | 95.6714% | 2,005 |
| Total domestic deposits to total assets | 89.7249% | 585 |
| Equity capital to assets | 10.1427% | 4,036 |
| Core capital (leverage) ratio | 9.7979% | 3,812 |
| Tier 1 risk-based capital ratio | 13.9849% | 3,613 |
| Total risk-based capital ratio | 15.2400% | 3,529 |
| Memoranda: | ||
| Average total assets | $103,590,330 | 4,356 |
| Average earning assets | $94,630,670 | 4,369 |
| Average equity | $10,392,670 | 4,584 |
| Average total loans | $81,966,670 | 3,799 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 1,524 |
| Cost of funding earning assets | 0.5915% | 1,391 |
| Net interest margin | 3.9017% | 1,930 |
| Noninterest income to average assets | 0.3525% | 4,205 |
| Noninterest expense to average assets | 3.0805% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8353% | 3,061 |
| Return on assets (ROA) | 0.8353% | 3,190 |
| Pretax return on assets | 0.8353% | 4,079 |
| Return on Equity (ROE) | 8.3705% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.3705% | 1,313 |
| Net charge-offs to loans | 0.1274% | 1,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.3846% | 2,059 |
| Efficiency ratio | 78.0822% | 1,881 |
| Assets per employee ($millions) | 2.4677% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,819 |
| Loan loss allowance to noncurrent loans | 17.4137% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 8.1651% | 69 |
| Noncurrent loans to loans | 8.8487% | 55 |
| Net loans and leases to total assets | 75.3331% | 1,498 |
| Net loans and leases to deposits | 86.4407% | 2,022 |
| Net loans and leases to core deposits | 93.6216% | 2,036 |
| Total domestic deposits to total assets | 87.1501% | 2,132 |
| Equity capital to assets | 9.9161% | 4,192 |
| Core capital (leverage) ratio | 10.1011% | 3,423 |
| Tier 1 risk-based capital ratio | 18.1286% | 1,951 |
| Total risk-based capital ratio | 19.3906% | 1,912 |
| Memoranda: | ||
| Average total assets | $104,398,000 | 4,381 |
| Average earning assets | $95,343,000 | 4,392 |
| Average equity | $10,417,500 | 4,593 |
| Average total loans | $81,645,500 | 3,812 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 927 |
| Cost of funding earning assets | 0.5497% | 1,761 |
| Net interest margin | 4.2515% | 1,062 |
| Noninterest income to average assets | 0.4279% | 3,830 |
| Noninterest expense to average assets | 3.2174% | 1,924 |
| Loan and lease loss provision to assets | 0.0598% | 3,111 |
| Net operating income to assets | 1.0353% | 2,191 |
| Return on assets (ROA) | 1.0404% | 2,255 |
| Pretax return on assets | 1.0221% | 3,375 |
| Return on Equity (ROE) | 10.1923% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.0598% | 1,762 |
| Net charge-offs to loans | 0.1941% | 1,503 |
| Credit loss provision to net charge-offs | 38.8158% | 3,543 |
| Earnings coverage of net charge-offs (x) | 6.9868% | 3,137 |
| Efficiency ratio | 74.3329% | 2,527 |
| Assets per employee ($millions) | 2.5045% | 5,889 |
| Cash dividends to net income (ytd only)* | 40.5458% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,779 |
| Loan loss allowance to noncurrent loans | 17.9278% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 8.0615% | 77 |
| Noncurrent loans to loans | 8.6756% | 63 |
| Net loans and leases to total assets | 78.7128% | 1,032 |
| Net loans and leases to deposits | 90.7047% | 1,535 |
| Net loans and leases to core deposits | 98.2162% | 1,655 |
| Total domestic deposits to total assets | 86.7791% | 2,241 |
| Equity capital to assets | 10.0432% | 3,909 |
| Core capital (leverage) ratio | 10.2284% | 3,227 |
| Tier 1 risk-based capital ratio | 13.9599% | 3,730 |
| Total risk-based capital ratio | 15.2157% | 3,661 |
| Memoranda: | ||
| Average total assets | $98,618,600 | 4,487 |
| Average earning assets | $89,686,800 | 4,510 |
| Average equity | $10,066,400 | 4,654 |
| Average total loans | $78,302,000 | 3,879 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 917 |
| Cost of funding earning assets | 0.5384% | 1,900 |
| Net interest margin | 4.2700% | 1,019 |
| Noninterest income to average assets | 0.4522% | 3,696 |
| Noninterest expense to average assets | 3.1898% | 1,997 |
| Loan and lease loss provision to assets | 0.0328% | 3,572 |
| Net operating income to assets | 1.1325% | 1,887 |
| Return on assets (ROA) | 1.1393% | 1,938 |
| Pretax return on assets | 1.1147% | 3,157 |
| Return on Equity (ROE) | 11.1144% | 1,666 |
| Retained earnings to average equity (ytd only) | 5.5706% | 2,541 |
| Net charge-offs to loans | 0.2379% | 1,103 |
| Credit loss provision to net charge-offs | 17.3913% | 3,384 |
| Earnings coverage of net charge-offs (x) | 6.0506% | 3,114 |
| Efficiency ratio | 73.0599% | 2,706 |
| Assets per employee ($millions) | 2.4084% | 6,002 |
| Cash dividends to net income (ytd only)* | 49.8799% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,811 |
| Loan loss allowance to noncurrent loans | 17.2884% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 8.7402% | 70 |
| Noncurrent loans to loans | 9.2164% | 49 |
| Net loans and leases to total assets | 80.5213% | 746 |
| Net loans and leases to deposits | 93.6463% | 1,242 |
| Net loans and leases to core deposits | 100.0413% | 1,513 |
| Total domestic deposits to total assets | 85.9845% | 2,523 |
| Equity capital to assets | 10.5994% | 3,480 |
| Core capital (leverage) ratio | 10.3353% | 3,216 |
| Tier 1 risk-based capital ratio | 13.1975% | 4,322 |
| Total risk-based capital ratio | 14.4529% | 4,241 |
| Memoranda: | ||
| Average total assets | $97,601,750 | 4,555 |
| Average earning assets | $88,647,750 | 4,583 |
| Average equity | $10,004,750 | 4,721 |
| Average total loans | $77,351,500 | 3,939 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 365 |
| Cost of funding earning assets | 0.5435% | 1,872 |
| Net interest margin | 4.7458% | 406 |
| Noninterest income to average assets | 0.4530% | 3,678 |
| Noninterest expense to average assets | 3.0809% | 2,299 |
| Loan and lease loss provision to assets | 0.0490% | 3,140 |
| Net operating income to assets | 1.6710% | 659 |
| Return on assets (ROA) | 1.6812% | 673 |
| Pretax return on assets | 1.6445% | 1,203 |
| Return on Equity (ROE) | 16.5862% | 539 |
| Retained earnings to average equity (ytd only) | 8.2126% | 1,184 |
| Net charge-offs to loans | 0.3539% | 743 |
| Credit loss provision to net charge-offs | 17.6471% | 3,038 |
| Earnings coverage of net charge-offs (x) | 6.0662% | 2,830 |
| Efficiency ratio | 64.1542% | 4,331 |
| Assets per employee ($millions) | 2.4061% | 6,078 |
| Cash dividends to net income (ytd only)* | 50.4854% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,850 |
| Loan loss allowance to noncurrent loans | 28.8665% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 5.5124% | 180 |
| Noncurrent loans to loans | 5.6093% | 183 |
| Net loans and leases to total assets | 77.4802% | 1,138 |
| Net loans and leases to deposits | 89.7588% | 1,629 |
| Net loans and leases to core deposits | 97.6668% | 1,675 |
| Total domestic deposits to total assets | 86.3205% | 2,518 |
| Equity capital to assets | 10.3405% | 3,631 |
| Core capital (leverage) ratio | 10.0717% | 3,501 |
| Tier 1 risk-based capital ratio | 13.3416% | 4,318 |
| Total risk-based capital ratio | 14.5965% | 4,244 |
| Memoranda: | ||
| Average total assets | $98,023,670 | 4,593 |
| Average earning assets | $89,047,330 | 4,615 |
| Average equity | $9,936,000 | 4,764 |
| Average total loans | $76,859,670 | 3,982 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 434 |
| Cost of funding earning assets | 0.5310% | 2,007 |
| Net interest margin | 4.6301% | 472 |
| Noninterest income to average assets | 0.2538% | 5,143 |
| Noninterest expense to average assets | 3.0335% | 2,472 |
| Loan and lease loss provision to assets | 0.1023% | 1,989 |
| Net operating income to assets | 1.4042% | 1,024 |
| Return on assets (ROA) | 1.4042% | 1,078 |
| Pretax return on assets | 1.3305% | 2,155 |
| Return on Equity (ROE) | 13.9950% | 879 |
| Retained earnings to average equity (ytd only) | -2.9785% | 5,789 |
| Net charge-offs to loans | 0.5337% | 468 |
| Credit loss provision to net charge-offs | 24.5098% | 2,324 |
| Earnings coverage of net charge-offs (x) | 3.4314% | 2,605 |
| Efficiency ratio | 67.3694% | 3,926 |
| Assets per employee ($millions) | 2.4876% | 6,117 |
| Cash dividends to net income (ytd only)* | 121.2828% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 1,775 |
| Loan loss allowance to noncurrent loans | 156.9175% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.8050% | 1,360 |
| Noncurrent loans to loans | 1.0744% | 2,613 |
| Net loans and leases to total assets | 75.7754% | 1,244 |
| Net loans and leases to deposits | 87.6660% | 1,651 |
| Net loans and leases to core deposits | 94.5738% | 1,723 |
| Total domestic deposits to total assets | 86.4365% | 2,696 |
| Equity capital to assets | 9.8249% | 4,360 |
| Core capital (leverage) ratio | 9.7960% | 3,897 |
| Tier 1 risk-based capital ratio | 9.7536% | 6,226 |
| Total risk-based capital ratio | 11.0075% | 6,189 |
| Memoranda: | ||
| Average total assets | $97,710,000 | 4,628 |
| Average earning assets | $88,897,000 | 4,659 |
| Average equity | $9,803,500 | 4,826 |
| Average total loans | $76,443,000 | 4,006 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1691% | 551 |
| Cost of funding earning assets | 0.5619% | 2,127 |
| Net interest margin | 4.6072% | 614 |
| Noninterest income to average assets | 0.4777% | 3,662 |
| Noninterest expense to average assets | 3.0422% | 2,716 |
| Loan and lease loss provision to assets | 0.6038% | 232 |
| Net operating income to assets | 0.9150% | 2,807 |
| Return on assets (ROA) | 1.0370% | 2,308 |
| Pretax return on assets | 1.2118% | 2,602 |
| Return on Equity (ROE) | 10.5605% | 1,872 |
| Retained earnings to average equity (ytd only) | 9.2121% | 659 |
| Net charge-offs to loans | 0.1861% | 2,182 |
| Credit loss provision to net charge-offs | 428.5714% | 605 |
| Earnings coverage of net charge-offs (x) | 11.8797% | 2,443 |
| Efficiency ratio | 63.9488% | 4,595 |
| Assets per employee ($millions) | 2.5255% | 6,144 |
| Cash dividends to net income (ytd only)* | 12.7681% | 4,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7298% | 1,701 |
| Loan loss allowance to noncurrent loans | 144.0437% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 2.0110% | 1,266 |
| Noncurrent loans to loans | 1.2009% | 2,448 |
| Net loans and leases to total assets | 78.0213% | 997 |
| Net loans and leases to deposits | 90.4749% | 1,469 |
| Net loans and leases to core deposits | 114.7892% | 564 |
| Total domestic deposits to total assets | 86.2353% | 2,701 |
| Equity capital to assets | 10.2980% | 3,724 |
| Core capital (leverage) ratio | 10.0892% | 3,451 |
| Tier 1 risk-based capital ratio | 14.1359% | 4,011 |
| Total risk-based capital ratio | 15.3944% | 3,930 |
| Memoranda: | ||
| Average total assets | $94,404,200 | 4,741 |
| Average earning assets | $86,842,600 | 4,724 |
| Average equity | $9,270,400 | 4,909 |
| Average total loans | $71,467,800 | 4,137 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 616 |
| Cost of funding earning assets | 0.5589% | 2,207 |
| Net interest margin | 4.5603% | 672 |
| Noninterest income to average assets | 0.5148% | 3,446 |
| Noninterest expense to average assets | 2.9938% | 2,820 |
| Loan and lease loss provision to assets | 2.0890% | 28 |
| Net operating income to assets | -0.6524% | 6,406 |
| Return on assets (ROA) | -0.4623% | 6,355 |
| Pretax return on assets | -0.1773% | 6,245 |
| Return on Equity (ROE) | -4.7674% | 6,361 |
| Retained earnings to average equity (ytd only) | -6.5954% | 6,311 |
| Net charge-offs to loans | 1.8571% | 116 |
| Credit loss provision to net charge-offs | 150.4597% | 1,578 |
| Earnings coverage of net charge-offs (x) | 1.2400% | 4,198 |
| Efficiency ratio | 62.9474% | 4,736 |
| Assets per employee ($millions) | 2.5606% | 6,182 |
| Cash dividends to net income (ytd only)* | -38.3426% | 6,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 1,650 |
| Loan loss allowance to noncurrent loans | 76.2618% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.3368% | 1,160 |
| Noncurrent loans to loans | 2.3852% | 1,245 |
| Net loans and leases to total assets | 78.3332% | 924 |
| Net loans and leases to deposits | 89.6686% | 1,457 |
| Net loans and leases to core deposits | 97.6282% | 1,545 |
| Total domestic deposits to total assets | 87.3586% | 2,116 |
| Equity capital to assets | 9.0739% | 5,273 |
| Core capital (leverage) ratio | 8.6922% | 5,447 |
| Tier 1 risk-based capital ratio | 12.2100% | 5,357 |
| Total risk-based capital ratio | 13.4698% | 5,267 |
| Memoranda: | ||
| Average total assets | $94,012,750 | 4,798 |
| Average earning assets | $86,600,250 | 4,779 |
| Average equity | $9,117,250 | 4,984 |
| Average total loans | $70,286,000 | 4,210 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 735 |
| Cost of funding earning assets | 0.5608% | 2,252 |
| Net interest margin | 4.4516% | 775 |
| Noninterest income to average assets | 0.5844% | 2,897 |
| Noninterest expense to average assets | 2.9711% | 2,934 |
| Loan and lease loss provision to assets | 0.2495% | 880 |
| Net operating income to assets | 1.0409% | 2,157 |
| Return on assets (ROA) | 1.0409% | 2,221 |
| Pretax return on assets | 1.4610% | 1,669 |
| Return on Equity (ROE) | 10.5052% | 1,937 |
| Retained earnings to average equity (ytd only) | 9.0413% | 974 |
| Net charge-offs to loans | 0.0379% | 3,463 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 61.6923% | 788 |
| Efficiency ratio | 62.9157% | 4,870 |
| Assets per employee ($millions) | 2.5323% | 6,268 |
| Cash dividends to net income (ytd only)* | 13.9344% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 3,401 |
| Loan loss allowance to noncurrent loans | 71.6364% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 1,695 |
| Noncurrent loans to loans | 1.9413% | 1,750 |
| Net loans and leases to total assets | 74.5459% | 1,370 |
| Net loans and leases to deposits | 83.4508% | 2,091 |
| Net loans and leases to core deposits | 90.7467% | 2,053 |
| Total domestic deposits to total assets | 89.3291% | 1,193 |
| Equity capital to assets | 10.2771% | 3,724 |
| Core capital (leverage) ratio | 9.7789% | 3,922 |
| Tier 1 risk-based capital ratio | 14.0421% | 4,236 |
| Total risk-based capital ratio | 15.2952% | 4,163 |
| Memoranda: | ||
| Average total assets | $93,769,000 | 4,829 |
| Average earning assets | $86,306,330 | 4,820 |
| Average equity | $9,290,670 | 4,961 |
| Average total loans | $68,517,670 | 4,281 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 769 |
| Cost of funding earning assets | 0.5419% | 2,483 |
| Net interest margin | 4.4232% | 764 |
| Noninterest income to average assets | 0.4221% | 4,011 |
| Noninterest expense to average assets | 2.9166% | 3,158 |
| Loan and lease loss provision to assets | 0.0640% | 2,841 |
| Net operating income to assets | 0.7121% | 3,623 |
| Return on assets (ROA) | 0.7121% | 3,708 |
| Pretax return on assets | 1.5138% | 1,393 |
| Return on Equity (ROE) | 7.3234% | 3,300 |
| Retained earnings to average equity (ytd only) | 4.3414% | 3,523 |
| Net charge-offs to loans | -0.0059% | 4,863 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3264% | 4,807 |
| Assets per employee ($millions) | 2.5975% | 6,295 |
| Cash dividends to net income (ytd only)* | 40.7186% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,025 |
| Loan loss allowance to noncurrent loans | 135.1433% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 2,898 |
| Noncurrent loans to loans | 0.9750% | 3,478 |
| Net loans and leases to total assets | 69.8232% | 1,925 |
| Net loans and leases to deposits | 80.4529% | 2,234 |
| Net loans and leases to core deposits | 87.0713% | 2,188 |
| Total domestic deposits to total assets | 86.7876% | 2,944 |
| Equity capital to assets | 9.6101% | 4,340 |
| Core capital (leverage) ratio | 9.4719% | 4,323 |
| Tier 1 risk-based capital ratio | 13.8934% | 4,398 |
| Total risk-based capital ratio | 15.1459% | 4,344 |
| Memoranda: | ||
| Average total assets | $93,806,500 | 4,878 |
| Average earning assets | $86,363,000 | 4,859 |
| Average equity | $9,121,500 | 5,021 |
| Average total loans | $67,361,500 | 4,341 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 723 |
| Cost of funding earning assets | 0.6418% | 2,281 |
| Net interest margin | 4.4997% | 737 |
| Noninterest income to average assets | 0.4594% | 4,022 |
| Noninterest expense to average assets | 2.8941% | 3,391 |
| Loan and lease loss provision to assets | 0.0672% | 3,790 |
| Net operating income to assets | 1.1360% | 1,811 |
| Return on assets (ROA) | 1.1384% | 1,863 |
| Pretax return on assets | 1.6258% | 1,107 |
| Return on Equity (ROE) | 11.7628% | 1,499 |
| Retained earnings to average equity (ytd only) | 9.8525% | 586 |
| Net charge-offs to loans | -0.0096% | 6,012 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5519% | 5,117 |
| Assets per employee ($millions) | 2.4731% | 6,421 |
| Cash dividends to net income (ytd only)* | 16.2402% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 4,039 |
| Loan loss allowance to noncurrent loans | 148.5666% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.3322% | 2,759 |
| Noncurrent loans to loans | 0.8888% | 3,766 |
| Net loans and leases to total assets | 71.9527% | 1,689 |
| Net loans and leases to deposits | 84.3024% | 1,890 |
| Net loans and leases to core deposits | 91.3469% | 1,870 |
| Total domestic deposits to total assets | 85.3507% | 3,574 |
| Equity capital to assets | 9.8431% | 3,970 |
| Core capital (leverage) ratio | 9.6385% | 4,068 |
| Tier 1 risk-based capital ratio | 14.0684% | 4,254 |
| Total risk-based capital ratio | 15.3197% | 4,195 |
| Memoranda: | ||
| Average total assets | $89,249,200 | 4,996 |
| Average earning assets | $81,805,200 | 4,991 |
| Average equity | $8,637,400 | 5,176 |
| Average total loans | $62,681,000 | 4,522 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 731 |
| Cost of funding earning assets | 0.6639% | 2,227 |
| Net interest margin | 4.4712% | 767 |
| Noninterest income to average assets | 0.4300% | 4,297 |
| Noninterest expense to average assets | 2.8595% | 3,447 |
| Loan and lease loss provision to assets | 0.0677% | 3,702 |
| Net operating income to assets | 1.0909% | 2,038 |
| Return on assets (ROA) | 1.0960% | 2,095 |
| Pretax return on assets | 1.6011% | 1,337 |
| Return on Equity (ROE) | 11.3748% | 1,688 |
| Retained earnings to average equity (ytd only) | 8.8002% | 1,120 |
| Net charge-offs to loans | -0.0130% | 5,945 |
| Credit loss provision to net charge-offs | -750.0000% | 6,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6206% | 5,046 |
| Assets per employee ($millions) | 2.4288% | 6,528 |
| Cash dividends to net income (ytd only)* | 22.6332% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 4,062 |
| Loan loss allowance to noncurrent loans | 241.8994% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 3,218 |
| Noncurrent loans to loans | 0.5637% | 4,798 |
| Net loans and leases to total assets | 69.7116% | 2,013 |
| Net loans and leases to deposits | 79.6357% | 2,462 |
| Net loans and leases to core deposits | 86.5159% | 2,347 |
| Total domestic deposits to total assets | 87.5381% | 2,394 |
| Equity capital to assets | 9.7156% | 4,286 |
| Core capital (leverage) ratio | 9.6038% | 4,238 |
| Tier 1 risk-based capital ratio | 13.9938% | 4,436 |
| Total risk-based capital ratio | 15.2454% | 4,388 |
| Memoranda: | ||
| Average total assets | $88,685,000 | 5,056 |
| Average earning assets | $81,138,750 | 5,048 |
| Average equity | $8,545,000 | 5,260 |
| Average total loans | $61,670,750 | 4,593 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 772 |
| Cost of funding earning assets | 0.6916% | 2,128 |
| Net interest margin | 4.4074% | 833 |
| Noninterest income to average assets | 0.3919% | 4,584 |
| Noninterest expense to average assets | 2.8225% | 3,596 |
| Loan and lease loss provision to assets | 0.0680% | 3,685 |
| Net operating income to assets | 1.0511% | 2,108 |
| Return on assets (ROA) | 1.0511% | 2,232 |
| Pretax return on assets | 1.5290% | 1,536 |
| Return on Equity (ROE) | 10.9395% | 1,832 |
| Retained earnings to average equity (ytd only) | 9.4070% | 995 |
| Net charge-offs to loans | -0.0164% | 5,899 |
| Credit loss provision to net charge-offs | -600.0000% | 5,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2496% | 4,973 |
| Assets per employee ($millions) | 2.3908% | 6,582 |
| Cash dividends to net income (ytd only)* | 14.0086% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 4,014 |
| Loan loss allowance to noncurrent loans | 197.6744% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 2,914 |
| Noncurrent loans to loans | 0.7104% | 4,512 |
| Net loans and leases to total assets | 67.4663% | 2,342 |
| Net loans and leases to deposits | 74.9899% | 3,016 |
| Net loans and leases to core deposits | 81.3689% | 2,876 |
| Total domestic deposits to total assets | 89.9671% | 1,043 |
| Equity capital to assets | 9.6519% | 4,386 |
| Core capital (leverage) ratio | 9.4147% | 4,364 |
| Tier 1 risk-based capital ratio | 14.5873% | 4,038 |
| Total risk-based capital ratio | 15.8398% | 4,005 |
| Memoranda: | ||
| Average total assets | $88,291,330 | 5,097 |
| Average earning assets | $80,682,330 | 5,100 |
| Average equity | $8,483,000 | 5,314 |
| Average total loans | $61,056,670 | 4,644 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 715 |
| Cost of funding earning assets | 0.7238% | 2,035 |
| Net interest margin | 4.3971% | 811 |
| Noninterest income to average assets | 0.3129% | 5,187 |
| Noninterest expense to average assets | 2.6936% | 4,091 |
| Loan and lease loss provision to assets | 0.0680% | 3,498 |
| Net operating income to assets | 1.0475% | 2,048 |
| Return on assets (ROA) | 1.0475% | 2,156 |
| Pretax return on assets | 1.5736% | 1,366 |
| Return on Equity (ROE) | 10.9278% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.9278% | 895 |
| Net charge-offs to loans | -0.0326% | 5,933 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5063% | 5,373 |
| Assets per employee ($millions) | 2.3929% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 4,211 |
| Loan loss allowance to noncurrent loans | 155.4935% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 3,084 |
| Noncurrent loans to loans | 0.9028% | 4,329 |
| Net loans and leases to total assets | 66.2424% | 2,327 |
| Net loans and leases to deposits | 73.8188% | 2,941 |
| Net loans and leases to core deposits | 79.2800% | 2,890 |
| Total domestic deposits to total assets | 89.7365% | 1,198 |
| Equity capital to assets | 9.6683% | 4,611 |
| Core capital (leverage) ratio | 9.2181% | 4,538 |
| Tier 1 risk-based capital ratio | 13.8782% | 4,589 |
| Total risk-based capital ratio | 15.1311% | 4,551 |
| Memoranda: | ||
| Average total assets | $88,207,500 | 5,147 |
| Average earning assets | $80,690,000 | 5,132 |
| Average equity | $8,455,500 | 5,371 |
| Average total loans | $61,320,000 | 4,658 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4109% | 742 |
| Cost of funding earning assets | 0.8574% | 2,240 |
| Net interest margin | 4.5536% | 854 |
| Noninterest income to average assets | 0.3841% | 4,723 |
| Noninterest expense to average assets | 2.9699% | 3,385 |
| Loan and lease loss provision to assets | 0.1340% | 3,952 |
| Net operating income to assets | 1.0706% | 2,052 |
| Return on assets (ROA) | 1.0706% | 2,239 |
| Pretax return on assets | 1.4488% | 1,859 |
| Return on Equity (ROE) | 11.4234% | 1,675 |
| Retained earnings to average equity (ytd only) | 10.4620% | 515 |
| Net charge-offs to loans | 0.0362% | 5,418 |
| Credit loss provision to net charge-offs | 513.6364% | 472 |
| Earnings coverage of net charge-offs (x) | 60.6818% | 591 |
| Efficiency ratio | 64.5833% | 4,780 |
| Assets per employee ($millions) | 2.5108% | 6,606 |
| Cash dividends to net income (ytd only)* | 8.4164% | 4,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,684 |
| Loan loss allowance to noncurrent loans | 166.3265% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5078% | 3,125 |
| Noncurrent loans to loans | 0.7759% | 4,629 |
| Net loans and leases to total assets | 70.9404% | 1,662 |
| Net loans and leases to deposits | 79.0037% | 2,404 |
| Net loans and leases to core deposits | 84.8720% | 2,444 |
| Total domestic deposits to total assets | 89.7938% | 1,070 |
| Equity capital to assets | 9.5029% | 4,870 |
| Core capital (leverage) ratio | 9.0347% | 4,839 |
| Tier 1 risk-based capital ratio | 13.5238% | 4,734 |
| Total risk-based capital ratio | 14.7765% | 4,685 |
| Memoranda: | ||
| Average total assets | $84,346,400 | 5,239 |
| Average earning assets | $77,214,400 | 5,209 |
| Average equity | $7,904,800 | 5,531 |
| Average total loans | $60,802,800 | 4,680 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 729 |
| Cost of funding earning assets | 0.8744% | 2,364 |
| Net interest margin | 4.5947% | 831 |
| Noninterest income to average assets | 0.3802% | 4,781 |
| Noninterest expense to average assets | 2.9345% | 3,462 |
| Loan and lease loss provision to assets | 0.1645% | 3,464 |
| Net operating income to assets | 1.0895% | 2,133 |
| Return on assets (ROA) | 1.0895% | 2,328 |
| Pretax return on assets | 1.4952% | 1,900 |
| Return on Equity (ROE) | 11.6679% | 1,742 |
| Retained earnings to average equity (ytd only) | 10.3677% | 823 |
| Net charge-offs to loans | 0.0465% | 5,002 |
| Credit loss provision to net charge-offs | 490.4762% | 548 |
| Earnings coverage of net charge-offs (x) | 49.4750% | 760 |
| Efficiency ratio | 63.2476% | 4,936 |
| Assets per employee ($millions) | 2.6791% | 6,519 |
| Cash dividends to net income (ytd only)* | 11.1436% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,796 |
| Loan loss allowance to noncurrent loans | 140.6632% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.6388% | 3,129 |
| Noncurrent loans to loans | 0.9272% | 4,577 |
| Net loans and leases to total assets | 71.1470% | 1,701 |
| Net loans and leases to deposits | 79.2915% | 2,503 |
| Net loans and leases to core deposits | 85.0176% | 2,573 |
| Total domestic deposits to total assets | 89.7283% | 985 |
| Equity capital to assets | 9.5088% | 5,198 |
| Core capital (leverage) ratio | 8.9505% | 5,131 |
| Tier 1 risk-based capital ratio | 13.3924% | 4,954 |
| Total risk-based capital ratio | 14.6452% | 4,911 |
| Memoranda: | ||
| Average total assets | $83,463,500 | 5,311 |
| Average earning assets | $76,550,500 | 5,278 |
| Average equity | $7,793,250 | 5,613 |
| Average total loans | $60,214,500 | 4,758 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4717% | 761 |
| Cost of funding earning assets | 0.8791% | 2,570 |
| Net interest margin | 4.5926% | 838 |
| Noninterest income to average assets | 0.3265% | 5,217 |
| Noninterest expense to average assets | 2.9090% | 3,581 |
| Loan and lease loss provision to assets | 0.2128% | 2,947 |
| Net operating income to assets | 1.0616% | 2,198 |
| Return on assets (ROA) | 1.0616% | 2,429 |
| Pretax return on assets | 1.4364% | 2,060 |
| Return on Equity (ROE) | 11.4417% | 1,840 |
| Retained earnings to average equity (ytd only) | 9.4609% | 1,127 |
| Net charge-offs to loans | 0.0737% | 4,412 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,049 |
| Efficiency ratio | 63.8196% | 4,925 |
| Assets per employee ($millions) | 2.6510% | 6,598 |
| Cash dividends to net income (ytd only)* | 17.3121% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 4,979 |
| Loan loss allowance to noncurrent loans | 198.4925% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 3,196 |
| Noncurrent loans to loans | 0.6453% | 5,220 |
| Net loans and leases to total assets | 71.7756% | 1,594 |
| Net loans and leases to deposits | 79.7506% | 2,415 |
| Net loans and leases to core deposits | 85.8460% | 2,447 |
| Total domestic deposits to total assets | 90.0001% | 924 |
| Equity capital to assets | 9.2997% | 5,317 |
| Core capital (leverage) ratio | 8.8084% | 5,203 |
| Tier 1 risk-based capital ratio | 13.2755% | 4,980 |
| Total risk-based capital ratio | 14.5271% | 4,947 |
| Memoranda: | ||
| Average total assets | $82,707,670 | 5,362 |
| Average earning assets | $76,210,000 | 5,318 |
| Average equity | $7,673,670 | 5,662 |
| Average total loans | $59,685,670 | 4,802 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5389% | 709 |
| Cost of funding earning assets | 0.8930% | 2,744 |
| Net interest margin | 4.6458% | 751 |
| Noninterest income to average assets | 0.2744% | 5,676 |
| Noninterest expense to average assets | 2.7827% | 4,115 |
| Loan and lease loss provision to assets | 0.1127% | 3,947 |
| Net operating income to assets | 1.1513% | 1,875 |
| Return on assets (ROA) | 1.1513% | 2,056 |
| Pretax return on assets | 1.6608% | 1,401 |
| Return on Equity (ROE) | 12.4240% | 1,547 |
| Retained earnings to average equity (ytd only) | 8.4060% | 1,820 |
| Net charge-offs to loans | 0.1431% | 3,242 |
| Credit loss provision to net charge-offs | 109.5238% | 2,136 |
| Earnings coverage of net charge-offs (x) | 17.2381% | 1,314 |
| Efficiency ratio | 61.0753% | 5,443 |
| Assets per employee ($millions) | 2.2708% | 7,011 |
| Cash dividends to net income (ytd only)* | 32.3404% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 5,425 |
| Loan loss allowance to noncurrent loans | 178.3784% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 1.4532% | 3,687 |
| Noncurrent loans to loans | 0.6804% | 5,300 |
| Net loans and leases to total assets | 70.3344% | 1,703 |
| Net loans and leases to deposits | 78.0895% | 2,491 |
| Net loans and leases to core deposits | 84.0947% | 2,536 |
| Total domestic deposits to total assets | 90.0690% | 1,048 |
| Equity capital to assets | 9.1014% | 5,357 |
| Core capital (leverage) ratio | 8.8332% | 5,093 |
| Tier 1 risk-based capital ratio | 13.2992% | 4,983 |
| Total risk-based capital ratio | 14.5497% | 4,970 |
| Memoranda: | ||
| Average total assets | $81,646,000 | 5,422 |
| Average earning assets | $75,250,000 | 5,391 |
| Average equity | $7,566,000 | 5,718 |
| Average total loans | $58,689,500 | 4,870 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8080% | 635 |
| Cost of funding earning assets | 0.9880% | 3,463 |
| Net interest margin | 4.8200% | 597 |
| Noninterest income to average assets | 0.4773% | 4,010 |
| Noninterest expense to average assets | 3.4098% | 2,215 |
| Loan and lease loss provision to assets | 0.1301% | 4,994 |
| Net operating income to assets | 1.0137% | 2,155 |
| Return on assets (ROA) | 1.0137% | 2,298 |
| Pretax return on assets | 1.3529% | 1,939 |
| Return on Equity (ROE) | 10.7125% | 1,798 |
| Retained earnings to average equity (ytd only) | 9.6355% | 642 |
| Net charge-offs to loans | -0.0038% | 6,825 |
| Credit loss provision to net charge-offs | -4,850.0000% | 6,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0600% | 4,136 |
| Assets per employee ($millions) | 2.2649% | 7,038 |
| Cash dividends to net income (ytd only)* | 10.0529% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 5,125 |
| Loan loss allowance to noncurrent loans | 296.7213% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 1.3346% | 4,000 |
| Noncurrent loans to loans | 0.4239% | 5,859 |
| Net loans and leases to total assets | 71.6949% | 1,696 |
| Net loans and leases to deposits | 79.7458% | 2,570 |
| Net loans and leases to core deposits | 85.8727% | 2,650 |
| Total domestic deposits to total assets | 89.9044% | 1,043 |
| Equity capital to assets | 9.4422% | 4,976 |
| Core capital (leverage) ratio | 8.8976% | 4,944 |
| Tier 1 risk-based capital ratio | 13.4409% | 4,739 |
| Total risk-based capital ratio | 14.6932% | 4,702 |
| Memoranda: | ||
| Average total assets | $74,580,000 | 5,623 |
| Average earning assets | $68,319,200 | 5,599 |
| Average equity | $7,057,200 | 5,849 |
| Average total loans | $52,673,600 | 5,166 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8568% | 612 |
| Cost of funding earning assets | 1.0159% | 3,565 |
| Net interest margin | 4.8409% | 575 |
| Noninterest income to average assets | 0.4922% | 3,930 |
| Noninterest expense to average assets | 3.3911% | 2,210 |
| Loan and lease loss provision to assets | 0.1762% | 4,275 |
| Net operating income to assets | 1.0280% | 2,219 |
| Return on assets (ROA) | 1.0280% | 2,384 |
| Pretax return on assets | 1.3477% | 2,122 |
| Return on Equity (ROE) | 10.8579% | 1,911 |
| Retained earnings to average equity (ytd only) | 9.3999% | 1,014 |
| Net charge-offs to loans | -0.0078% | 6,753 |
| Credit loss provision to net charge-offs | -3,233.3333% | 6,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4035% | 4,236 |
| Assets per employee ($millions) | 2.1345% | 7,184 |
| Cash dividends to net income (ytd only)* | 13.4274% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 5,091 |
| Loan loss allowance to noncurrent loans | 187.3385% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.2346% | 4,327 |
| Noncurrent loans to loans | 0.6842% | 5,520 |
| Net loans and leases to total assets | 70.6987% | 1,943 |
| Net loans and leases to deposits | 78.6021% | 2,872 |
| Net loans and leases to core deposits | 82.8216% | 3,213 |
| Total domestic deposits to total assets | 89.9450% | 895 |
| Equity capital to assets | 9.3294% | 5,334 |
| Core capital (leverage) ratio | 8.7889% | 5,283 |
| Tier 1 risk-based capital ratio | 13.3423% | 4,844 |
| Total risk-based capital ratio | 14.5940% | 4,816 |
| Memoranda: | ||
| Average total assets | $73,407,000 | 5,700 |
| Average earning assets | $67,066,000 | 5,681 |
| Average equity | $6,950,250 | 5,913 |
| Average total loans | $51,452,500 | 5,255 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 557 |
| Cost of funding earning assets | 1.0553% | 3,565 |
| Net interest margin | 4.8612% | 535 |
| Noninterest income to average assets | 0.5143% | 3,752 |
| Noninterest expense to average assets | 3.4521% | 2,114 |
| Loan and lease loss provision to assets | 0.0531% | 5,654 |
| Net operating income to assets | 1.0734% | 1,961 |
| Return on assets (ROA) | 1.0734% | 2,052 |
| Pretax return on assets | 1.4256% | 1,740 |
| Return on Equity (ROE) | 11.2759% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.0442% | 1,090 |
| Net charge-offs to loans | 0.0040% | 5,828 |
| Credit loss provision to net charge-offs | 1,900.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 529.0000% | 62 |
| Efficiency ratio | 69.4444% | 4,223 |
| Assets per employee ($millions) | 2.0732% | 7,249 |
| Cash dividends to net income (ytd only)* | 19.7917% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 5,588 |
| Loan loss allowance to noncurrent loans | 242.6415% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 4,699 |
| Noncurrent loans to loans | 0.4905% | 5,925 |
| Net loans and leases to total assets | 69.6012% | 2,299 |
| Net loans and leases to deposits | 77.2600% | 3,256 |
| Net loans and leases to core deposits | 82.8263% | 3,388 |
| Total domestic deposits to total assets | 90.0870% | 928 |
| Equity capital to assets | 9.2377% | 5,224 |
| Core capital (leverage) ratio | 8.7417% | 5,154 |
| Tier 1 risk-based capital ratio | 13.3806% | 4,625 |
| Total risk-based capital ratio | 14.6309% | 4,608 |
| Memoranda: | ||
| Average total assets | $71,550,670 | 5,789 |
| Average earning assets | $65,004,330 | 5,787 |
| Average equity | $6,811,000 | 5,981 |
| Average total loans | $49,750,000 | 5,366 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0904% | 407 |
| Cost of funding earning assets | 1.1496% | 3,163 |
| Net interest margin | 4.9408% | 423 |
| Noninterest income to average assets | 0.5973% | 3,185 |
| Noninterest expense to average assets | 3.5782% | 1,815 |
| Loan and lease loss provision to assets | 0.1102% | 4,637 |
| Net operating income to assets | 1.0207% | 2,103 |
| Return on assets (ROA) | 1.0207% | 2,154 |
| Pretax return on assets | 1.3455% | 1,893 |
| Return on Equity (ROE) | 10.5492% | 1,895 |
| Retained earnings to average equity (ytd only) | 5.9939% | 2,639 |
| Net charge-offs to loans | -0.0168% | 6,518 |
| Credit loss provision to net charge-offs | -950.0000% | 6,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6221% | 4,130 |
| Assets per employee ($millions) | 2.0918% | 7,315 |
| Cash dividends to net income (ytd only)* | 43.1818% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 5,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 5,511 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 64.1073% | 3,423 |
| Net loans and leases to deposits | 70.9149% | 4,205 |
| Net loans and leases to core deposits | 75.7282% | 4,336 |
| Total domestic deposits to total assets | 90.4004% | 897 |
| Equity capital to assets | 8.9543% | 5,276 |
| Core capital (leverage) ratio | 9.1144% | 4,429 |
| Tier 1 risk-based capital ratio | 13.9392% | 4,114 |
| Total risk-based capital ratio | 15.1920% | 4,085 |
| Memoranda: | ||
| Average total assets | $68,972,500 | 5,897 |
| Average earning assets | $61,933,500 | 5,940 |
| Average equity | $6,673,500 | 6,035 |
| Average total loans | $47,609,000 | 5,493 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2759% | 485 |
| Cost of funding earning assets | 1.2562% | 4,173 |
| Net interest margin | 5.0196% | 411 |
| Noninterest income to average assets | 0.4018% | 4,897 |
| Noninterest expense to average assets | 3.6344% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0781% | 1,765 |
| Return on assets (ROA) | 1.0781% | 1,860 |
| Pretax return on assets | 1.4966% | 1,381 |
| Return on Equity (ROE) | 10.1229% | 1,878 |
| Retained earnings to average equity (ytd only) | 9.2269% | 657 |
| Net charge-offs to loans | 0.0250% | 6,561 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 81.2727% | 299 |
| Efficiency ratio | 70.8320% | 4,011 |
| Assets per employee ($millions) | 1.9575% | 7,434 |
| Cash dividends to net income (ytd only)* | 8.8509% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 4,747 |
| Loan loss allowance to noncurrent loans | 525.2101% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 5,178 |
| Noncurrent loans to loans | 0.2570% | 6,548 |
| Net loans and leases to total assets | 72.9103% | 1,898 |
| Net loans and leases to deposits | 82.4386% | 2,722 |
| Net loans and leases to core deposits | 88.3026% | 3,012 |
| Total domestic deposits to total assets | 88.4419% | 1,988 |
| Equity capital to assets | 10.5428% | 3,115 |
| Core capital (leverage) ratio | 10.3041% | 2,769 |
| Tier 1 risk-based capital ratio | 15.7403% | 2,871 |
| Total risk-based capital ratio | 16.9929% | 2,833 |
| Memoranda: | ||
| Average total assets | $59,735,200 | 6,212 |
| Average earning assets | $56,279,200 | 6,126 |
| Average equity | $6,361,800 | 6,249 |
| Average total loans | $43,924,600 | 5,749 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2975% | 512 |
| Cost of funding earning assets | 1.2850% | 4,326 |
| Net interest margin | 5.0125% | 431 |
| Noninterest income to average assets | 0.4112% | 4,869 |
| Noninterest expense to average assets | 3.4638% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2021% | 1,591 |
| Return on assets (ROA) | 1.2021% | 1,670 |
| Pretax return on assets | 1.6630% | 1,179 |
| Return on Equity (ROE) | 11.2568% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.0507% | 783 |
| Net charge-offs to loans | 0.0954% | 5,579 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 23.7433% | 1,051 |
| Efficiency ratio | 67.5628% | 4,550 |
| Assets per employee ($millions) | 2.0081% | 7,517 |
| Cash dividends to net income (ytd only)* | 10.7145% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,789 |
| Loan loss allowance to noncurrent loans | 1,635.1351% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 7,092 |
| Noncurrent loans to loans | 0.0815% | 7,034 |
| Net loans and leases to total assets | 71.9743% | 2,254 |
| Net loans and leases to deposits | 81.5078% | 3,186 |
| Net loans and leases to core deposits | 87.0048% | 3,525 |
| Total domestic deposits to total assets | 88.3036% | 1,792 |
| Equity capital to assets | 10.6586% | 3,338 |
| Core capital (leverage) ratio | 10.4883% | 2,701 |
| Tier 1 risk-based capital ratio | 16.2616% | 2,651 |
| Total risk-based capital ratio | 17.5148% | 2,602 |
| Memoranda: | ||
| Average total assets | $59,009,000 | 6,304 |
| Average earning assets | $55,512,750 | 6,213 |
| Average equity | $6,301,250 | 6,353 |
| Average total loans | $43,331,750 | 5,856 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2733% | 535 |
| Cost of funding earning assets | 1.3246% | 4,383 |
| Net interest margin | 4.9487% | 472 |
| Noninterest income to average assets | 0.3901% | 4,990 |
| Noninterest expense to average assets | 3.3731% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2429% | 1,445 |
| Return on assets (ROA) | 1.2429% | 1,506 |
| Pretax return on assets | 1.6607% | 1,144 |
| Return on Equity (ROE) | 11.6317% | 1,549 |
| Retained earnings to average equity (ytd only) | 9.7900% | 893 |
| Net charge-offs to loans | 0.1407% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 16.0333% | 1,420 |
| Efficiency ratio | 67.0096% | 4,760 |
| Assets per employee ($millions) | 1.9423% | 7,602 |
| Cash dividends to net income (ytd only)* | 15.8333% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 4,402 |
| Loan loss allowance to noncurrent loans | 704.6512% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 6,601 |
| Noncurrent loans to loans | 0.1992% | 6,857 |
| Net loans and leases to total assets | 70.6919% | 2,752 |
| Net loans and leases to deposits | 79.4894% | 3,694 |
| Net loans and leases to core deposits | 84.1405% | 4,123 |
| Total domestic deposits to total assets | 88.9324% | 1,479 |
| Equity capital to assets | 10.5760% | 3,314 |
| Core capital (leverage) ratio | 10.4679% | 2,652 |
| Tier 1 risk-based capital ratio | 16.9313% | 2,306 |
| Total risk-based capital ratio | 18.1855% | 2,258 |
| Memoranda: | ||
| Average total assets | $57,928,670 | 6,393 |
| Average earning assets | $54,357,330 | 6,309 |
| Average equity | $6,190,000 | 6,410 |
| Average total loans | $42,639,330 | 5,921 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2667% | 560 |
| Cost of funding earning assets | 1.3701% | 4,357 |
| Net interest margin | 4.8965% | 521 |
| Noninterest income to average assets | 0.3170% | 5,611 |
| Noninterest expense to average assets | 3.2120% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2820% | 1,332 |
| Return on assets (ROA) | 1.2820% | 1,404 |
| Pretax return on assets | 1.7117% | 1,041 |
| Return on Equity (ROE) | 11.9325% | 1,518 |
| Retained earnings to average equity (ytd only) | 9.5722% | 1,249 |
| Net charge-offs to loans | 0.0094% | 5,461 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 139 |
| Efficiency ratio | 65.2361% | 5,267 |
| Assets per employee ($millions) | 1.8753% | 7,730 |
| Cash dividends to net income (ytd only)* | 19.7802% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,880 |
| Loan loss allowance to noncurrent loans | 170.2413% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 5,793 |
| Noncurrent loans to loans | 0.8846% | 5,551 |
| Net loans and leases to total assets | 71.4401% | 2,581 |
| Net loans and leases to deposits | 80.3603% | 3,588 |
| Net loans and leases to core deposits | 85.2163% | 4,007 |
| Total domestic deposits to total assets | 88.8998% | 1,570 |
| Equity capital to assets | 10.6358% | 3,111 |
| Core capital (leverage) ratio | 10.7742% | 2,389 |
| Tier 1 risk-based capital ratio | 17.3175% | 2,141 |
| Total risk-based capital ratio | 18.5736% | 2,100 |
| Memoranda: | ||
| Average total assets | $56,787,000 | 6,511 |
| Average earning assets | $53,425,500 | 6,415 |
| Average equity | $6,101,000 | 6,485 |
| Average total loans | $42,373,500 | 6,008 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7260% | 441 |
| Cost of funding earning assets | 1.6286% | 4,899 |
| Net interest margin | 5.0974% | 363 |
| Noninterest income to average assets | 0.4268% | 4,995 |
| Noninterest expense to average assets | 3.8128% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0355% | 1,720 |
| Return on assets (ROA) | 1.0355% | 1,762 |
| Pretax return on assets | 1.4068% | 1,420 |
| Return on Equity (ROE) | 9.4909% | 1,858 |
| Retained earnings to average equity (ytd only) | 8.5611% | 576 |
| Net charge-offs to loans | 0.0025% | 7,216 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 735.0000% | 33 |
| Efficiency ratio | 73.0473% | 4,084 |
| Assets per employee ($millions) | 1.7884% | 7,829 |
| Cash dividends to net income (ytd only)* | 9.7967% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 3,764 |
| Loan loss allowance to noncurrent loans | 493.0233% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 6,552 |
| Noncurrent loans to loans | 0.3030% | 6,672 |
| Net loans and leases to total assets | 75.6584% | 1,888 |
| Net loans and leases to deposits | 85.2263% | 3,044 |
| Net loans and leases to core deposits | 108.9565% | 3,006 |
| Total domestic deposits to total assets | 88.7734% | 1,585 |
| Equity capital to assets | 10.8568% | 2,812 |
| Core capital (leverage) ratio | 10.7362% | 2,396 |
| Tier 1 risk-based capital ratio | 16.7784% | 2,210 |
| Total risk-based capital ratio | 18.0338% | 2,178 |
| Memoranda: | ||
| Average total assets | $52,244,600 | 6,628 |
| Average earning assets | $49,122,800 | 6,560 |
| Average equity | $5,700,200 | 6,713 |
| Average total loans | $40,606,000 | 6,070 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7516% | 461 |
| Cost of funding earning assets | 1.6541% | 5,140 |
| Net interest margin | 5.0975% | 368 |
| Noninterest income to average assets | 0.4328% | 5,020 |
| Noninterest expense to average assets | 3.7164% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0652% | 1,846 |
| Return on assets (ROA) | 1.0652% | 1,894 |
| Pretax return on assets | 1.5083% | 1,393 |
| Return on Equity (ROE) | 9.7498% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.4925% | 977 |
| Net charge-offs to loans | 0.0033% | 6,941 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 583.4436% | 54 |
| Efficiency ratio | 71.1310% | 4,403 |
| Assets per employee ($millions) | 1.7840% | 7,905 |
| Cash dividends to net income (ytd only)* | 12.8944% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 3,302 |
| Loan loss allowance to noncurrent loans | 825.9740% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 6,845 |
| Noncurrent loans to loans | 0.1847% | 7,032 |
| Net loans and leases to total assets | 74.2220% | 2,465 |
| Net loans and leases to deposits | 83.5528% | 3,717 |
| Net loans and leases to core deposits | 106.2265% | 3,678 |
| Total domestic deposits to total assets | 88.8324% | 1,276 |
| Equity capital to assets | 10.7155% | 3,274 |
| Core capital (leverage) ratio | 10.7923% | 2,565 |
| Tier 1 risk-based capital ratio | 17.1311% | 2,237 |
| Total risk-based capital ratio | 18.3884% | 2,182 |
| Memoranda: | ||
| Average total assets | $51,445,750 | 6,708 |
| Average earning assets | $48,362,500 | 6,633 |
| Average equity | $5,620,500 | 6,808 |
| Average total loans | $40,112,250 | 6,150 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8145% | 443 |
| Cost of funding earning assets | 1.6760% | 5,385 |
| Net interest margin | 5.1384% | 337 |
| Noninterest income to average assets | 0.3907% | 5,373 |
| Noninterest expense to average assets | 3.8796% | 1,518 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9410% | 2,307 |
| Return on assets (ROA) | 0.9410% | 2,402 |
| Pretax return on assets | 1.3397% | 1,903 |
| Return on Equity (ROE) | 8.5528% | 2,541 |
| Retained earnings to average equity (ytd only) | 6.6320% | 1,730 |
| Net charge-offs to loans | -0.0051% | 7,526 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3316% | 3,986 |
| Assets per employee ($millions) | 1.6604% | 8,034 |
| Cash dividends to net income (ytd only)* | 22.4576% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 2,895 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 6,951 |
| Noncurrent loans to loans | 0.1079% | 7,253 |
| Net loans and leases to total assets | 77.9837% | 1,746 |
| Net loans and leases to deposits | 87.9740% | 3,173 |
| Net loans and leases to core deposits | 105.2854% | 3,924 |
| Total domestic deposits to total assets | 88.6441% | 1,464 |
| Equity capital to assets | 10.9557% | 2,959 |
| Core capital (leverage) ratio | 10.9667% | 2,429 |
| Tier 1 risk-based capital ratio | 16.9773% | 2,310 |
| Total risk-based capital ratio | 18.2350% | 2,256 |
| Memoranda: | ||
| Average total assets | $50,160,000 | 6,820 |
| Average earning assets | $47,135,000 | 6,747 |
| Average equity | $5,518,670 | 6,891 |
| Average total loans | $39,588,670 | 6,221 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6739% | 609 |
| Cost of funding earning assets | 1.6856% | 5,659 |
| Net interest margin | 4.9883% | 411 |
| Noninterest income to average assets | 0.3636% | 5,525 |
| Noninterest expense to average assets | 3.8623% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8969% | 2,716 |
| Return on assets (ROA) | 0.8969% | 2,866 |
| Pretax return on assets | 1.2120% | 2,586 |
| Return on Equity (ROE) | 8.1341% | 3,080 |
| Retained earnings to average equity (ytd only) | 5.7891% | 2,733 |
| Net charge-offs to loans | -0.0103% | 7,277 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1146% | 3,469 |
| Assets per employee ($millions) | 1.6413% | 8,081 |
| Cash dividends to net income (ytd only)* | 28.8288% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 2,393 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 6,861 |
| Noncurrent loans to loans | 0.1125% | 7,208 |
| Net loans and leases to total assets | 75.5994% | 2,363 |
| Net loans and leases to deposits | 85.1240% | 3,789 |
| Net loans and leases to core deposits | 100.9209% | 4,446 |
| Total domestic deposits to total assets | 88.8109% | 1,333 |
| Equity capital to assets | 10.8491% | 3,128 |
| Core capital (leverage) ratio | 11.1826% | 2,355 |
| Tier 1 risk-based capital ratio | 18.4597% | 1,946 |
| Total risk-based capital ratio | 19.7193% | 1,901 |
| Memoranda: | ||
| Average total assets | $49,504,500 | 6,890 |
| Average earning assets | $46,749,000 | 6,807 |
| Average equity | $5,458,500 | 6,960 |
| Average total loans | $38,994,500 | 6,277 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0417% | 1,023 |
| Cost of funding earning assets | 2.2249% | 5,480 |
| Net interest margin | 4.8168% | 756 |
| Noninterest income to average assets | 0.4965% | 4,640 |
| Noninterest expense to average assets | 4.0917% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6606% | 4,063 |
| Return on assets (ROA) | 0.6606% | 3,911 |
| Pretax return on assets | 0.9319% | 3,610 |
| Return on Equity (ROE) | 5.9400% | 3,967 |
| Retained earnings to average equity (ytd only) | 4.8050% | 2,147 |
| Net charge-offs to loans | -0.0163% | 7,902 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4489% | 2,385 |
| Assets per employee ($millions) | 1.6043% | 8,133 |
| Cash dividends to net income (ytd only)* | 19.1083% | 4,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 2,102 |
| Loan loss allowance to noncurrent loans | 758.3333% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 6,335 |
| Noncurrent loans to loans | 0.2160% | 6,745 |
| Net loans and leases to total assets | 79.4718% | 1,781 |
| Net loans and leases to deposits | 91.2059% | 3,260 |
| Net loans and leases to core deposits | 108.8103% | 3,879 |
| Total domestic deposits to total assets | 87.1346% | 1,875 |
| Equity capital to assets | 11.2136% | 2,874 |
| Core capital (leverage) ratio | 11.3916% | 2,318 |
| Tier 1 risk-based capital ratio | 18.5782% | 1,900 |
| Total risk-based capital ratio | 19.8403% | 1,849 |
| Memoranda: | ||
| Average total assets | $47,535,000 | 6,883 |
| Average earning assets | $44,677,000 | 6,833 |
| Average equity | $5,286,200 | 7,049 |
| Average total loans | $36,859,800 | 6,321 |