Home > Honor Bank > Performance and Condition Ratios
Honor Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 2,547 |
| Cost of funding earning assets | 0.8029% | 3,721 |
| Net interest margin | 3.9613% | 1,264 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.6953% | 1,742 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3469% | 1,330 |
| Return on assets (ROA) | 1.3469% | 1,303 |
| Pretax return on assets | 1.6819% | 1,097 |
| Return on Equity (ROE) | 15.4600% | 1,198 |
| Retained earnings to average equity (ytd only) | 9.9214% | 1,032 |
| Net charge-offs to loans | -0.0746% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.0242% | 2,964 |
| Assets per employee ($millions) | 4.9635% | 3,670 |
| Cash dividends to net income (ytd only)* | 35.8191% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 1,751 |
| Loan loss allowance to noncurrent loans | 14,638.4615% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,752 |
| Noncurrent loans to loans | 0.0089% | 3,707 |
| Net loans and leases to total assets | 76.4600% | 1,063 |
| Net loans and leases to deposits | 84.6933% | 1,716 |
| Net loans and leases to core deposits | 87.5932% | 2,206 |
| Total domestic deposits to total assets | 90.2700% | 688 |
| Equity capital to assets | 9.1954% | 2,548 |
| Core capital (leverage) ratio | 9.1278% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8284% | 2,294 |
| Memoranda: | ||
| Average total assets | $379,323,600 | 2,082 |
| Average earning assets | $354,831,200 | 2,070 |
| Average equity | $33,049,800 | 2,141 |
| Average total loans | $282,990,600 | 1,857 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 2,538 |
| Cost of funding earning assets | 0.7171% | 3,725 |
| Net interest margin | 3.9505% | 1,301 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6603% | 1,768 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.3556% | 1,412 |
| Return on assets (ROA) | 1.3556% | 1,389 |
| Pretax return on assets | 1.6999% | 1,161 |
| Return on Equity (ROE) | 15.7800% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.1597% | 1,137 |
| Net charge-offs to loans | -0.0998% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.2991% | 2,930 |
| Assets per employee ($millions) | 5.0950% | 3,530 |
| Cash dividends to net income (ytd only)* | 29.2595% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 1,823 |
| Loan loss allowance to noncurrent loans | 13,911.1111% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 3,787 |
| Noncurrent loans to loans | 0.0094% | 3,730 |
| Net loans and leases to total assets | 73.0500% | 1,464 |
| Net loans and leases to deposits | 80.6623% | 1,993 |
| Net loans and leases to core deposits | 83.0233% | 2,394 |
| Total domestic deposits to total assets | 90.5600% | 786 |
| Equity capital to assets | 8.8167% | 2,523 |
| Core capital (leverage) ratio | 8.7890% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7415% | 2,368 |
| Memoranda: | ||
| Average total assets | $379,848,750 | 2,080 |
| Average earning assets | $355,520,000 | 2,064 |
| Average equity | $32,640,500 | 2,145 |
| Average total loans | $280,683,750 | 1,872 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 2,623 |
| Cost of funding earning assets | 0.5901% | 3,779 |
| Net interest margin | 3.9188% | 1,388 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.6386% | 1,826 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3111% | 1,542 |
| Return on assets (ROA) | 1.3111% | 1,527 |
| Pretax return on assets | 1.6434% | 1,326 |
| Return on Equity (ROE) | 15.3900% | 1,391 |
| Retained earnings to average equity (ytd only) | 9.2966% | 1,603 |
| Net charge-offs to loans | -0.1048% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.5718% | 2,886 |
| Assets per employee ($millions) | 4.8327% | 3,731 |
| Cash dividends to net income (ytd only)* | 39.6120% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 1,848 |
| Loan loss allowance to noncurrent loans | 4,554.8780% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,606 |
| Noncurrent loans to loans | 0.0290% | 3,549 |
| Net loans and leases to total assets | 73.1900% | 1,387 |
| Net loans and leases to deposits | 82.9656% | 1,763 |
| Net loans and leases to core deposits | 85.4721% | 2,111 |
| Total domestic deposits to total assets | 88.2200% | 1,523 |
| Equity capital to assets | 8.6180% | 2,767 |
| Core capital (leverage) ratio | 8.7257% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4690% | 2,473 |
| Memoranda: | ||
| Average total assets | $377,391,667 | 2,093 |
| Average earning assets | $353,476,333 | 2,079 |
| Average equity | $32,140,667 | 2,180 |
| Average total loans | $278,707,333 | 1,871 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,667 |
| Cost of funding earning assets | 0.3684% | 4,037 |
| Net interest margin | 3.9843% | 1,291 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.5512% | 2,106 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.3454% | 1,557 |
| Return on assets (ROA) | 1.3454% | 1,523 |
| Pretax return on assets | 1.6855% | 1,300 |
| Return on Equity (ROE) | 15.8900% | 1,381 |
| Retained earnings to average equity (ytd only) | 5.4408% | 2,907 |
| Net charge-offs to loans | -0.0145% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.1814% | 3,176 |
| Assets per employee ($millions) | 4.9356% | 3,707 |
| Cash dividends to net income (ytd only)* | 65.7686% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,068 |
| Loan loss allowance to noncurrent loans | 4,232.9412% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,581 |
| Noncurrent loans to loans | 0.0305% | 3,543 |
| Net loans and leases to total assets | 72.3200% | 1,393 |
| Net loans and leases to deposits | 82.9796% | 1,578 |
| Net loans and leases to core deposits | 84.3369% | 1,967 |
| Total domestic deposits to total assets | 87.1600% | 2,210 |
| Equity capital to assets | 8.3778% | 2,985 |
| Core capital (leverage) ratio | 8.6143% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2063% | 2,661 |
| Memoranda: | ||
| Average total assets | $375,197,000 | 2,129 |
| Average earning assets | $351,778,000 | 2,111 |
| Average equity | $31,760,000 | 2,224 |
| Average total loans | $276,479,500 | 1,899 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 2,354 |
| Cost of funding earning assets | 0.0688% | 4,511 |
| Net interest margin | 3.7010% | 1,376 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.6188% | 1,777 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1740% | 1,877 |
| Return on assets (ROA) | 1.1740% | 1,815 |
| Pretax return on assets | 1.4588% | 1,578 |
| Return on Equity (ROE) | 14.4300% | 1,425 |
| Retained earnings to average equity (ytd only) | 9.2341% | 1,408 |
| Net charge-offs to loans | -0.0087% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.2303% | 2,728 |
| Assets per employee ($millions) | 4.9380% | 3,723 |
| Cash dividends to net income (ytd only)* | 36.0257% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 1,917 |
| Loan loss allowance to noncurrent loans | 2,371.3333% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,204 |
| Noncurrent loans to loans | 0.0546% | 3,364 |
| Net loans and leases to total assets | 73.1600% | 1,293 |
| Net loans and leases to deposits | 80.3349% | 1,746 |
| Net loans and leases to core deposits | 81.0312% | 2,074 |
| Total domestic deposits to total assets | 91.0700% | 929 |
| Equity capital to assets | 8.5543% | 2,674 |
| Core capital (leverage) ratio | 8.4585% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3771% | 2,620 |
| Memoranda: | ||
| Average total assets | $371,203,800 | 2,136 |
| Average earning assets | $343,010,800 | 2,141 |
| Average equity | $30,192,400 | 2,326 |
| Average total loans | $252,096,000 | 1,930 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 2,347 |
| Cost of funding earning assets | 0.0643% | 4,507 |
| Net interest margin | 3.5361% | 1,558 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.5932% | 1,728 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1042% | 2,069 |
| Return on assets (ROA) | 1.1042% | 2,039 |
| Pretax return on assets | 1.3803% | 1,779 |
| Return on Equity (ROE) | 13.7500% | 1,497 |
| Retained earnings to average equity (ytd only) | 9.8633% | 1,391 |
| Net charge-offs to loans | -0.0260% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6812% | 2,594 |
| Assets per employee ($millions) | 5.0466% | 3,633 |
| Cash dividends to net income (ytd only)* | 28.2835% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 1,950 |
| Loan loss allowance to noncurrent loans | 3,626.8817% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,468 |
| Noncurrent loans to loans | 0.0363% | 3,636 |
| Net loans and leases to total assets | 66.7200% | 1,812 |
| Net loans and leases to deposits | 72.9388% | 2,131 |
| Net loans and leases to core deposits | 73.4917% | 2,385 |
| Total domestic deposits to total assets | 91.4700% | 1,058 |
| Equity capital to assets | 8.2165% | 2,742 |
| Core capital (leverage) ratio | 8.0050% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5854% | 2,630 |
| Memoranda: | ||
| Average total assets | $371,416,750 | 2,147 |
| Average earning assets | $342,023,000 | 2,157 |
| Average equity | $29,820,250 | 2,375 |
| Average total loans | $246,494,750 | 1,961 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 2,180 |
| Cost of funding earning assets | 0.0662% | 4,481 |
| Net interest margin | 3.4193% | 1,539 |
| Noninterest income to average assets | 0.8237% | 996 |
| Noninterest expense to average assets | 2.5562% | 1,761 |
| Loan and lease loss provision to assets | 0.0997% | 1,004 |
| Net operating income to assets | 1.0416% | 2,016 |
| Return on assets (ROA) | 1.0416% | 1,984 |
| Pretax return on assets | 1.3006% | 1,747 |
| Return on Equity (ROE) | 13.0775% | 1,365 |
| Retained earnings to average equity (ytd only) | 8.1105% | 1,576 |
| Net charge-offs to loans | -0.0222% | 3,918 |
| Credit loss provision to net charge-offs | -681.4815% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6076% | 2,694 |
| Assets per employee ($millions) | 4.9626% | 3,708 |
| Cash dividends to net income (ytd only)* | 37.9813% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,040 |
| Loan loss allowance to noncurrent loans | 3,397.9167% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,544 |
| Noncurrent loans to loans | 0.0392% | 3,651 |
| Net loans and leases to total assets | 63.2437% | 1,989 |
| Net loans and leases to deposits | 68.8411% | 2,314 |
| Net loans and leases to core deposits | 69.3551% | 2,537 |
| Total domestic deposits to total assets | 91.8691% | 893 |
| Equity capital to assets | 7.8731% | 3,219 |
| Core capital (leverage) ratio | 8.0694% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3634% | 2,714 |
| Memoranda: | ||
| Average total assets | $369,058,000 | 2,162 |
| Average earning assets | $338,140,000 | 2,190 |
| Average equity | $29,394,000 | 2,444 |
| Average total loans | $243,360,333 | 1,978 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4974% | 1,820 |
| Cost of funding earning assets | 0.0690% | 4,460 |
| Net interest margin | 3.4284% | 1,238 |
| Noninterest income to average assets | 0.8794% | 871 |
| Noninterest expense to average assets | 2.6470% | 1,484 |
| Loan and lease loss provision to assets | 0.1291% | 634 |
| Net operating income to assets | 0.9831% | 1,954 |
| Return on assets (ROA) | 0.9831% | 1,951 |
| Pretax return on assets | 1.2269% | 1,709 |
| Return on Equity (ROE) | 12.2691% | 1,237 |
| Retained earnings to average equity (ytd only) | 4.2825% | 2,842 |
| Net charge-offs to loans | -0.0148% | 3,764 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1246% | 2,757 |
| Assets per employee ($millions) | 4.7502% | 3,964 |
| Cash dividends to net income (ytd only)* | 65.0954% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,208 |
| Loan loss allowance to noncurrent loans | 3,241.8367% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 3,576 |
| Noncurrent loans to loans | 0.0411% | 3,684 |
| Net loans and leases to total assets | 64.3895% | 1,573 |
| Net loans and leases to deposits | 70.2990% | 1,939 |
| Net loans and leases to core deposits | 70.9150% | 2,217 |
| Total domestic deposits to total assets | 91.5937% | 757 |
| Equity capital to assets | 7.9844% | 3,584 |
| Core capital (leverage) ratio | 7.9535% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5227% | 2,766 |
| Memoranda: | ||
| Average total assets | $362,526,000 | 2,192 |
| Average earning assets | $330,299,500 | 2,234 |
| Average equity | $29,048,500 | 2,533 |
| Average total loans | $242,575,500 | 1,977 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 1,928 |
| Cost of funding earning assets | 0.0889% | 4,468 |
| Net interest margin | 3.6860% | 1,245 |
| Noninterest income to average assets | 1.2075% | 726 |
| Noninterest expense to average assets | 2.7323% | 1,539 |
| Loan and lease loss provision to assets | 0.0999% | 1,250 |
| Net operating income to assets | 1.4034% | 1,266 |
| Return on assets (ROA) | 1.4034% | 1,323 |
| Pretax return on assets | 1.7475% | 1,031 |
| Return on Equity (ROE) | 16.8877% | 608 |
| Retained earnings to average equity (ytd only) | 12.0142% | 535 |
| Net charge-offs to loans | 0.0864% | 944 |
| Credit loss provision to net charge-offs | 156.3380% | 1,467 |
| Earnings coverage of net charge-offs (x) | 28.9108% | 1,629 |
| Efficiency ratio | 59.6620% | 3,203 |
| Assets per employee ($millions) | 4.6063% | 4,027 |
| Cash dividends to net income (ytd only)* | 28.8585% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,689 |
| Loan loss allowance to noncurrent loans | 2,061.4865% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,554 |
| Noncurrent loans to loans | 0.0601% | 3,649 |
| Net loans and leases to total assets | 67.7477% | 1,298 |
| Net loans and leases to deposits | 74.1270% | 1,712 |
| Net loans and leases to core deposits | 74.7891% | 2,017 |
| Total domestic deposits to total assets | 91.3941% | 345 |
| Equity capital to assets | 8.0417% | 4,337 |
| Core capital (leverage) ratio | 8.1052% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7012% | 2,728 |
| Memoranda: | ||
| Average total assets | $333,340,200 | 2,277 |
| Average earning assets | $304,961,800 | 2,306 |
| Average equity | $27,700,600 | 2,668 |
| Average total loans | $246,442,400 | 1,951 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 1,823 |
| Cost of funding earning assets | 0.0931% | 4,556 |
| Net interest margin | 3.7849% | 1,147 |
| Noninterest income to average assets | 1.2976% | 698 |
| Noninterest expense to average assets | 2.7029% | 1,580 |
| Loan and lease loss provision to assets | 0.0939% | 1,270 |
| Net operating income to assets | 1.5860% | 1,063 |
| Return on assets (ROA) | 1.5860% | 1,112 |
| Pretax return on assets | 1.9837% | 821 |
| Return on Equity (ROE) | 18.9175% | 526 |
| Retained earnings to average equity (ytd only) | 16.7280% | 255 |
| Net charge-offs to loans | -0.0211% | 3,990 |
| Credit loss provision to net charge-offs | -589.7436% | 3,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5407% | 3,466 |
| Assets per employee ($millions) | 4.4554% | 4,155 |
| Cash dividends to net income (ytd only)* | 11.5741% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,422 |
| Loan loss allowance to noncurrent loans | 778.5888% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 3,185 |
| Noncurrent loans to loans | 0.1687% | 3,272 |
| Net loans and leases to total assets | 69.1921% | 1,166 |
| Net loans and leases to deposits | 75.9292% | 1,677 |
| Net loans and leases to core deposits | 76.5711% | 1,993 |
| Total domestic deposits to total assets | 91.1272% | 328 |
| Equity capital to assets | 8.3457% | 4,309 |
| Core capital (leverage) ratio | 8.3041% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2883% | 2,619 |
| Memoranda: | ||
| Average total assets | $326,853,000 | 2,334 |
| Average earning assets | $300,766,250 | 2,355 |
| Average equity | $27,402,500 | 2,711 |
| Average total loans | $246,437,750 | 1,981 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 1,781 |
| Cost of funding earning assets | 0.0961% | 4,603 |
| Net interest margin | 3.8162% | 1,119 |
| Noninterest income to average assets | 1.3577% | 643 |
| Noninterest expense to average assets | 2.6503% | 1,724 |
| Loan and lease loss provision to assets | 0.0594% | 1,843 |
| Net operating income to assets | 1.7533% | 792 |
| Return on assets (ROA) | 1.7533% | 839 |
| Pretax return on assets | 2.1965% | 576 |
| Return on Equity (ROE) | 20.8791% | 389 |
| Retained earnings to average equity (ytd only) | 18.1250% | 218 |
| Net charge-offs to loans | -0.0259% | 4,097 |
| Credit loss provision to net charge-offs | -296.8750% | 3,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0196% | 3,802 |
| Assets per employee ($millions) | 4.5960% | 4,022 |
| Cash dividends to net income (ytd only)* | 13.1907% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,778 |
| Loan loss allowance to noncurrent loans | 723.1678% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 3,273 |
| Noncurrent loans to loans | 0.1699% | 3,366 |
| Net loans and leases to total assets | 72.3233% | 926 |
| Net loans and leases to deposits | 79.2507% | 1,488 |
| Net loans and leases to core deposits | 80.0148% | 1,887 |
| Total domestic deposits to total assets | 91.2589% | 294 |
| Equity capital to assets | 8.2327% | 4,411 |
| Core capital (leverage) ratio | 8.4271% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3807% | 2,586 |
| Memoranda: | ||
| Average total assets | $319,963,667 | 2,360 |
| Average earning assets | $297,524,333 | 2,366 |
| Average equity | $26,869,000 | 2,752 |
| Average total loans | $247,364,667 | 1,981 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 1,368 |
| Cost of funding earning assets | 0.1000% | 4,647 |
| Net interest margin | 4.0066% | 835 |
| Noninterest income to average assets | 1.3837% | 686 |
| Noninterest expense to average assets | 2.5970% | 1,894 |
| Loan and lease loss provision to assets | 0.1175% | 1,163 |
| Net operating income to assets | 1.9065% | 660 |
| Return on assets (ROA) | 1.9065% | 709 |
| Pretax return on assets | 2.3931% | 528 |
| Return on Equity (ROE) | 22.4609% | 365 |
| Retained earnings to average equity (ytd only) | 22.4609% | 194 |
| Net charge-offs to loans | -0.0032% | 3,243 |
| Credit loss provision to net charge-offs | -4,550.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8466% | 4,111 |
| Assets per employee ($millions) | 4.4414% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,980 |
| Loan loss allowance to noncurrent loans | 697.0046% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,217 |
| Noncurrent loans to loans | 0.1709% | 3,496 |
| Net loans and leases to total assets | 77.4088% | 504 |
| Net loans and leases to deposits | 85.1993% | 1,026 |
| Net loans and leases to core deposits | 86.0676% | 1,514 |
| Total domestic deposits to total assets | 90.8562% | 450 |
| Equity capital to assets | 8.3407% | 4,244 |
| Core capital (leverage) ratio | 8.7522% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9791% | 2,675 |
| Memoranda: | ||
| Average total assets | $309,892,500 | 2,394 |
| Average earning assets | $288,023,000 | 2,395 |
| Average equity | $26,303,500 | 2,784 |
| Average total loans | $246,529,500 | 1,983 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 1,409 |
| Cost of funding earning assets | 0.2461% | 4,398 |
| Net interest margin | 4.2142% | 615 |
| Noninterest income to average assets | 1.4935% | 543 |
| Noninterest expense to average assets | 3.2216% | 1,019 |
| Loan and lease loss provision to assets | 0.6694% | 259 |
| Net operating income to assets | 1.2204% | 1,479 |
| Return on assets (ROA) | 1.2198% | 1,596 |
| Pretax return on assets | 1.5171% | 1,278 |
| Return on Equity (ROE) | 13.5897% | 903 |
| Retained earnings to average equity (ytd only) | 9.2683% | 716 |
| Net charge-offs to loans | 0.6163% | 245 |
| Credit loss provision to net charge-offs | 132.0700% | 2,539 |
| Earnings coverage of net charge-offs (x) | 4.3156% | 2,997 |
| Efficiency ratio | 59.5615% | 3,510 |
| Assets per employee ($millions) | 4.2224% | 4,201 |
| Cash dividends to net income (ytd only)* | 31.7989% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,809 |
| Loan loss allowance to noncurrent loans | 520.7815% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 3,220 |
| Noncurrent loans to loans | 0.2355% | 3,355 |
| Net loans and leases to total assets | 79.8901% | 436 |
| Net loans and leases to deposits | 87.9447% | 1,095 |
| Net loans and leases to core deposits | 89.0992% | 1,597 |
| Total domestic deposits to total assets | 90.8413% | 263 |
| Equity capital to assets | 8.6495% | 4,338 |
| Core capital (leverage) ratio | 8.7437% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8081% | 2,698 |
| Memoranda: | ||
| Average total assets | $270,705,600 | 2,460 |
| Average earning assets | $251,507,200 | 2,463 |
| Average equity | $24,297,800 | 2,856 |
| Average total loans | $222,621,600 | 2,093 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 1,708 |
| Cost of funding earning assets | 0.2906% | 4,349 |
| Net interest margin | 4.1571% | 798 |
| Noninterest income to average assets | 1.4458% | 551 |
| Noninterest expense to average assets | 3.2368% | 1,008 |
| Loan and lease loss provision to assets | 0.7361% | 272 |
| Net operating income to assets | 1.0853% | 2,038 |
| Return on assets (ROA) | 1.0853% | 2,162 |
| Pretax return on assets | 1.3379% | 1,912 |
| Return on Equity (ROE) | 11.9703% | 1,376 |
| Retained earnings to average equity (ytd only) | 9.7464% | 820 |
| Net charge-offs to loans | 0.0220% | 2,412 |
| Credit loss provision to net charge-offs | 4,055.5556% | 272 |
| Earnings coverage of net charge-offs (x) | 114.2778% | 721 |
| Efficiency ratio | 60.9492% | 3,226 |
| Assets per employee ($millions) | 4.3610% | 3,989 |
| Cash dividends to net income (ytd only)* | 18.5787% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,105 |
| Loan loss allowance to noncurrent loans | 456.2937% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 2,875 |
| Noncurrent loans to loans | 0.3507% | 3,029 |
| Net loans and leases to total assets | 82.3992% | 407 |
| Net loans and leases to deposits | 90.8072% | 1,180 |
| Net loans and leases to core deposits | 92.1033% | 1,788 |
| Total domestic deposits to total assets | 90.7408% | 224 |
| Equity capital to assets | 8.5788% | 4,419 |
| Core capital (leverage) ratio | 8.6741% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8554% | 2,665 |
| Memoranda: | ||
| Average total assets | $264,490,500 | 2,477 |
| Average earning assets | $245,901,250 | 2,477 |
| Average equity | $23,981,000 | 2,870 |
| Average total loans | $218,512,000 | 2,110 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 1,892 |
| Cost of funding earning assets | 0.3533% | 4,255 |
| Net interest margin | 4.1539% | 1,011 |
| Noninterest income to average assets | 1.2513% | 647 |
| Noninterest expense to average assets | 3.3072% | 987 |
| Loan and lease loss provision to assets | 0.6715% | 426 |
| Net operating income to assets | 0.9293% | 2,585 |
| Return on assets (ROA) | 0.9293% | 2,713 |
| Pretax return on assets | 1.1322% | 2,605 |
| Return on Equity (ROE) | 10.0426% | 1,969 |
| Retained earnings to average equity (ytd only) | 6.6556% | 1,794 |
| Net charge-offs to loans | -0.0219% | 4,431 |
| Credit loss provision to net charge-offs | -3,726.0870% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7095% | 2,714 |
| Assets per employee ($millions) | 4.1568% | 4,148 |
| Cash dividends to net income (ytd only)* | 33.7268% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,447 |
| Loan loss allowance to noncurrent loans | 356.3425% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 2,445 |
| Noncurrent loans to loans | 0.4044% | 2,956 |
| Net loans and leases to total assets | 82.7851% | 341 |
| Net loans and leases to deposits | 93.2829% | 1,022 |
| Net loans and leases to core deposits | 94.9553% | 1,662 |
| Total domestic deposits to total assets | 88.7463% | 843 |
| Equity capital to assets | 8.6534% | 4,386 |
| Core capital (leverage) ratio | 8.9032% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8875% | 2,654 |
| Memoranda: | ||
| Average total assets | $255,258,667 | 2,512 |
| Average earning assets | $237,172,000 | 2,510 |
| Average equity | $23,619,333 | 2,882 |
| Average total loans | $209,791,333 | 2,153 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 1,865 |
| Cost of funding earning assets | 0.4697% | 4,069 |
| Net interest margin | 4.1775% | 967 |
| Noninterest income to average assets | 1.1493% | 658 |
| Noninterest expense to average assets | 3.7269% | 687 |
| Loan and lease loss provision to assets | 0.4187% | 723 |
| Net operating income to assets | 0.7093% | 3,244 |
| Return on assets (ROA) | 0.7093% | 3,323 |
| Pretax return on assets | 0.8734% | 3,214 |
| Return on Equity (ROE) | 7.3912% | 2,780 |
| Retained earnings to average equity (ytd only) | 2.2584% | 3,350 |
| Net charge-offs to loans | -0.0324% | 4,493 |
| Credit loss provision to net charge-offs | -1,593.7500% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2558% | 1,779 |
| Assets per employee ($millions) | 3.6471% | 4,335 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 1,756 |
| Loan loss allowance to noncurrent loans | 301.1996% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 2,103 |
| Noncurrent loans to loans | 0.4596% | 2,876 |
| Net loans and leases to total assets | 80.5172% | 634 |
| Net loans and leases to deposits | 94.1253% | 1,065 |
| Net loans and leases to core deposits | 95.9059% | 1,800 |
| Total domestic deposits to total assets | 85.5426% | 2,195 |
| Equity capital to assets | 9.5945% | 4,135 |
| Core capital (leverage) ratio | 9.6635% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3839% | 2,978 |
| Memoranda: | ||
| Average total assets | $243,636,500 | 2,530 |
| Average earning assets | $225,685,000 | 2,530 |
| Average equity | $23,379,000 | 2,897 |
| Average total loans | $197,722,000 | 2,204 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 2,027 |
| Cost of funding earning assets | 0.5261% | 3,986 |
| Net interest margin | 4.2801% | 1,136 |
| Noninterest income to average assets | 1.1625% | 694 |
| Noninterest expense to average assets | 3.7139% | 752 |
| Loan and lease loss provision to assets | 0.1021% | 2,022 |
| Net operating income to assets | 1.0749% | 2,549 |
| Return on assets (ROA) | 1.0749% | 2,645 |
| Pretax return on assets | 1.3240% | 2,421 |
| Return on Equity (ROE) | 11.6647% | 1,633 |
| Retained earnings to average equity (ytd only) | 8.4806% | 837 |
| Net charge-offs to loans | 0.0868% | 1,881 |
| Credit loss provision to net charge-offs | 146.1538% | 1,755 |
| Earnings coverage of net charge-offs (x) | 20.4201% | 1,934 |
| Efficiency ratio | 72.2544% | 1,836 |
| Assets per employee ($millions) | 3.5205% | 4,464 |
| Cash dividends to net income (ytd only)* | 27.2972% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,061 |
| Loan loss allowance to noncurrent loans | 260.0209% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 2,215 |
| Noncurrent loans to loans | 0.4889% | 2,724 |
| Net loans and leases to total assets | 79.6331% | 836 |
| Net loans and leases to deposits | 90.6717% | 1,518 |
| Net loans and leases to core deposits | 96.6306% | 1,842 |
| Total domestic deposits to total assets | 87.8257% | 1,213 |
| Equity capital to assets | 9.5972% | 4,274 |
| Core capital (leverage) ratio | 9.5284% | 4,029 |
| Tier 1 risk-based capital ratio | 11.1302% | 4,810 |
| Total risk-based capital ratio | 12.3195% | 4,726 |
| Memoranda: | ||
| Average total assets | $241,985,200 | 2,515 |
| Average earning assets | $224,880,000 | 2,497 |
| Average equity | $22,298,000 | 2,939 |
| Average total loans | $194,645,400 | 2,201 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 2,219 |
| Cost of funding earning assets | 0.5267% | 4,043 |
| Net interest margin | 4.2429% | 1,273 |
| Noninterest income to average assets | 1.1245% | 715 |
| Noninterest expense to average assets | 3.6218% | 824 |
| Loan and lease loss provision to assets | 0.0893% | 2,113 |
| Net operating income to assets | 1.0959% | 2,585 |
| Return on assets (ROA) | 1.0959% | 2,681 |
| Pretax return on assets | 1.3584% | 2,467 |
| Return on Equity (ROE) | 12.0180% | 1,613 |
| Retained earnings to average equity (ytd only) | 9.2357% | 979 |
| Net charge-offs to loans | 0.0693% | 1,839 |
| Credit loss provision to net charge-offs | 160.3960% | 1,553 |
| Earnings coverage of net charge-offs (x) | 25.9907% | 1,757 |
| Efficiency ratio | 71.4426% | 1,904 |
| Assets per employee ($millions) | 3.4615% | 4,538 |
| Cash dividends to net income (ytd only)* | 23.1505% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,057 |
| Loan loss allowance to noncurrent loans | 257.0093% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 2,140 |
| Noncurrent loans to loans | 0.4984% | 2,800 |
| Net loans and leases to total assets | 76.5291% | 1,389 |
| Net loans and leases to deposits | 86.9346% | 2,072 |
| Net loans and leases to core deposits | 92.5991% | 2,307 |
| Total domestic deposits to total assets | 88.0306% | 1,023 |
| Equity capital to assets | 9.2080% | 4,663 |
| Core capital (leverage) ratio | 9.1705% | 4,503 |
| Tier 1 risk-based capital ratio | 11.1829% | 4,833 |
| Total risk-based capital ratio | 12.3890% | 4,732 |
| Memoranda: | ||
| Average total assets | $241,753,000 | 2,533 |
| Average earning assets | $224,778,250 | 2,522 |
| Average equity | $22,044,250 | 2,984 |
| Average total loans | $194,324,000 | 2,226 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 2,253 |
| Cost of funding earning assets | 0.5087% | 4,079 |
| Net interest margin | 4.2305% | 1,288 |
| Noninterest income to average assets | 1.0399% | 801 |
| Noninterest expense to average assets | 3.6496% | 802 |
| Loan and lease loss provision to assets | 0.1220% | 1,532 |
| Net operating income to assets | 0.9730% | 3,014 |
| Return on assets (ROA) | 0.9730% | 3,087 |
| Pretax return on assets | 1.2029% | 2,893 |
| Return on Equity (ROE) | 10.7071% | 2,091 |
| Retained earnings to average equity (ytd only) | 6.4757% | 2,065 |
| Net charge-offs to loans | 0.0616% | 1,762 |
| Credit loss provision to net charge-offs | 243.3333% | 1,047 |
| Earnings coverage of net charge-offs (x) | 26.4167% | 1,570 |
| Efficiency ratio | 73.3658% | 1,722 |
| Assets per employee ($millions) | 3.3716% | 4,639 |
| Cash dividends to net income (ytd only)* | 39.5189% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,167 |
| Loan loss allowance to noncurrent loans | 375.9398% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 2,525 |
| Noncurrent loans to loans | 0.3364% | 3,335 |
| Net loans and leases to total assets | 80.4021% | 821 |
| Net loans and leases to deposits | 92.2916% | 1,457 |
| Net loans and leases to core deposits | 96.5616% | 2,013 |
| Total domestic deposits to total assets | 87.1175% | 1,542 |
| Equity capital to assets | 9.1145% | 4,727 |
| Core capital (leverage) ratio | 9.2860% | 4,369 |
| Tier 1 risk-based capital ratio | 10.6301% | 5,060 |
| Total risk-based capital ratio | 11.8312% | 4,989 |
| Memoranda: | ||
| Average total assets | $239,261,330 | 2,559 |
| Average earning assets | $222,527,670 | 2,550 |
| Average equity | $21,742,670 | 2,999 |
| Average total loans | $194,696,330 | 2,231 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 2,137 |
| Cost of funding earning assets | 0.4763% | 4,176 |
| Net interest margin | 4.2483% | 1,200 |
| Noninterest income to average assets | 0.9465% | 924 |
| Noninterest expense to average assets | 3.6394% | 809 |
| Loan and lease loss provision to assets | 0.1196% | 1,464 |
| Net operating income to assets | 0.9229% | 3,152 |
| Return on assets (ROA) | 0.9229% | 3,186 |
| Pretax return on assets | 1.1385% | 3,019 |
| Return on Equity (ROE) | 10.1712% | 2,290 |
| Retained earnings to average equity (ytd only) | 4.7886% | 3,002 |
| Net charge-offs to loans | 0.1263% | 989 |
| Credit loss provision to net charge-offs | 116.3934% | 1,442 |
| Earnings coverage of net charge-offs (x) | 12.2459% | 1,881 |
| Efficiency ratio | 74.3122% | 1,711 |
| Assets per employee ($millions) | 3.3181% | 4,728 |
| Cash dividends to net income (ytd only)* | 52.9197% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,283 |
| Loan loss allowance to noncurrent loans | 827.3038% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 3,036 |
| Noncurrent loans to loans | 0.1521% | 4,054 |
| Net loans and leases to total assets | 79.6396% | 883 |
| Net loans and leases to deposits | 91.5721% | 1,446 |
| Net loans and leases to core deposits | 93.7095% | 2,154 |
| Total domestic deposits to total assets | 86.9693% | 1,831 |
| Equity capital to assets | 9.0747% | 4,632 |
| Core capital (leverage) ratio | 9.1570% | 4,517 |
| Tier 1 risk-based capital ratio | 10.6933% | 5,115 |
| Total risk-based capital ratio | 11.8889% | 5,030 |
| Memoranda: | ||
| Average total assets | $237,514,000 | 2,595 |
| Average earning assets | $220,888,500 | 2,583 |
| Average equity | $21,551,000 | 3,019 |
| Average total loans | $193,204,000 | 2,265 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 2,124 |
| Cost of funding earning assets | 0.4085% | 3,933 |
| Net interest margin | 4.1930% | 1,409 |
| Noninterest income to average assets | 1.0111% | 925 |
| Noninterest expense to average assets | 3.5124% | 982 |
| Loan and lease loss provision to assets | 0.2799% | 596 |
| Net operating income to assets | 0.9231% | 3,351 |
| Return on assets (ROA) | 0.9231% | 3,340 |
| Pretax return on assets | 1.1468% | 3,110 |
| Return on Equity (ROE) | 10.6112% | 2,240 |
| Retained earnings to average equity (ytd only) | 7.6461% | 1,397 |
| Net charge-offs to loans | 0.0656% | 2,183 |
| Credit loss provision to net charge-offs | 542.6230% | 644 |
| Earnings coverage of net charge-offs (x) | 27.6557% | 1,683 |
| Efficiency ratio | 71.1130% | 2,030 |
| Assets per employee ($millions) | 3.2795% | 4,759 |
| Cash dividends to net income (ytd only)* | 27.9432% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,320 |
| Loan loss allowance to noncurrent loans | 477.0751% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 2,536 |
| Noncurrent loans to loans | 0.2612% | 3,639 |
| Net loans and leases to total assets | 81.0201% | 800 |
| Net loans and leases to deposits | 93.8644% | 1,301 |
| Net loans and leases to core deposits | 95.6592% | 2,085 |
| Total domestic deposits to total assets | 86.3160% | 2,079 |
| Equity capital to assets | 9.0724% | 4,520 |
| Core capital (leverage) ratio | 8.9667% | 4,682 |
| Tier 1 risk-based capital ratio | 10.6550% | 5,123 |
| Total risk-based capital ratio | 11.8582% | 5,038 |
| Memoranda: | ||
| Average total assets | $236,477,600 | 2,565 |
| Average earning assets | $221,537,400 | 2,550 |
| Average equity | $20,572,600 | 3,033 |
| Average total loans | $185,950,200 | 2,288 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 2,159 |
| Cost of funding earning assets | 0.3958% | 3,890 |
| Net interest margin | 4.1435% | 1,511 |
| Noninterest income to average assets | 0.9987% | 960 |
| Noninterest expense to average assets | 3.4966% | 985 |
| Loan and lease loss provision to assets | 0.2356% | 681 |
| Net operating income to assets | 0.9311% | 3,391 |
| Return on assets (ROA) | 0.9311% | 3,398 |
| Pretax return on assets | 1.1486% | 3,200 |
| Return on Equity (ROE) | 10.8182% | 2,254 |
| Retained earnings to average equity (ytd only) | 7.6094% | 1,844 |
| Net charge-offs to loans | 0.0471% | 2,154 |
| Credit loss provision to net charge-offs | 643.0769% | 564 |
| Earnings coverage of net charge-offs (x) | 37.7865% | 1,402 |
| Efficiency ratio | 71.6397% | 1,947 |
| Assets per employee ($millions) | 3.4968% | 4,568 |
| Cash dividends to net income (ytd only)* | 29.6612% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,794 |
| Loan loss allowance to noncurrent loans | 617.1745% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 2,956 |
| Noncurrent loans to loans | 0.1897% | 4,035 |
| Net loans and leases to total assets | 76.8484% | 1,524 |
| Net loans and leases to deposits | 87.8958% | 2,166 |
| Net loans and leases to core deposits | 89.4745% | 2,704 |
| Total domestic deposits to total assets | 87.4313% | 1,531 |
| Equity capital to assets | 8.5838% | 4,876 |
| Core capital (leverage) ratio | 8.6088% | 5,025 |
| Tier 1 risk-based capital ratio | 10.4875% | 5,243 |
| Total risk-based capital ratio | 11.6020% | 5,200 |
| Memoranda: | ||
| Average total assets | $236,566,250 | 2,579 |
| Average earning assets | $221,640,500 | 2,562 |
| Average equity | $20,360,250 | 3,085 |
| Average total loans | $184,007,500 | 2,314 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 2,081 |
| Cost of funding earning assets | 0.3929% | 3,777 |
| Net interest margin | 4.1090% | 1,526 |
| Noninterest income to average assets | 0.9203% | 1,128 |
| Noninterest expense to average assets | 3.5145% | 979 |
| Loan and lease loss provision to assets | 0.2361% | 671 |
| Net operating income to assets | 0.8262% | 3,769 |
| Return on assets (ROA) | 0.8262% | 3,772 |
| Pretax return on assets | 1.0161% | 3,615 |
| Return on Equity (ROE) | 9.5913% | 2,759 |
| Retained earnings to average equity (ytd only) | 6.4140% | 2,356 |
| Net charge-offs to loans | 0.0759% | 1,565 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 21.2174% | 1,784 |
| Efficiency ratio | 73.7305% | 1,744 |
| Assets per employee ($millions) | 3.2622% | 4,863 |
| Cash dividends to net income (ytd only)* | 33.1263% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,071 |
| Loan loss allowance to noncurrent loans | 285.5967% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 2,408 |
| Noncurrent loans to loans | 0.3970% | 3,266 |
| Net loans and leases to total assets | 76.2303% | 1,598 |
| Net loans and leases to deposits | 86.9626% | 2,229 |
| Net loans and leases to core deposits | 88.5616% | 2,674 |
| Total domestic deposits to total assets | 87.6587% | 1,556 |
| Equity capital to assets | 8.6066% | 4,868 |
| Core capital (leverage) ratio | 8.6354% | 5,009 |
| Tier 1 risk-based capital ratio | 10.5823% | 5,236 |
| Total risk-based capital ratio | 11.6597% | 5,215 |
| Memoranda: | ||
| Average total assets | $233,830,330 | 2,604 |
| Average earning assets | $218,883,330 | 2,595 |
| Average equity | $20,143,330 | 3,116 |
| Average total loans | $181,899,000 | 2,339 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 2,031 |
| Cost of funding earning assets | 0.3821% | 3,720 |
| Net interest margin | 4.0646% | 1,527 |
| Noninterest income to average assets | 0.8529% | 1,289 |
| Noninterest expense to average assets | 3.4963% | 1,008 |
| Loan and lease loss provision to assets | 0.2383% | 642 |
| Net operating income to assets | 0.7511% | 3,907 |
| Return on assets (ROA) | 0.7511% | 3,907 |
| Pretax return on assets | 0.9203% | 3,783 |
| Return on Equity (ROE) | 8.7144% | 3,049 |
| Retained earnings to average equity (ytd only) | 4.7078% | 3,308 |
| Net charge-offs to loans | 0.0309% | 1,880 |
| Credit loss provision to net charge-offs | 985.7143% | 352 |
| Earnings coverage of net charge-offs (x) | 47.9286% | 969 |
| Efficiency ratio | 75.1113% | 1,731 |
| Assets per employee ($millions) | 3.3291% | 4,868 |
| Cash dividends to net income (ytd only)* | 45.9770% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,392 |
| Loan loss allowance to noncurrent loans | 191.4751% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 2,429 |
| Noncurrent loans to loans | 0.5739% | 2,820 |
| Net loans and leases to total assets | 76.1238% | 1,521 |
| Net loans and leases to deposits | 86.9941% | 2,051 |
| Net loans and leases to core deposits | 88.6045% | 2,585 |
| Total domestic deposits to total assets | 87.5045% | 1,896 |
| Equity capital to assets | 8.4975% | 4,974 |
| Core capital (leverage) ratio | 8.5938% | 5,070 |
| Tier 1 risk-based capital ratio | 10.5153% | 5,347 |
| Total risk-based capital ratio | 11.5643% | 5,332 |
| Memoranda: | ||
| Average total assets | $231,673,500 | 2,651 |
| Average earning assets | $216,702,000 | 2,634 |
| Average equity | $19,967,000 | 3,163 |
| Average total loans | $181,038,500 | 2,351 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,434 |
| Cost of funding earning assets | 0.3476% | 3,738 |
| Net interest margin | 4.2510% | 1,078 |
| Noninterest income to average assets | 0.9882% | 1,047 |
| Noninterest expense to average assets | 3.7208% | 771 |
| Loan and lease loss provision to assets | 0.2170% | 911 |
| Net operating income to assets | 0.6451% | 3,836 |
| Return on assets (ROA) | 0.6451% | 3,872 |
| Pretax return on assets | 0.9955% | 3,591 |
| Return on Equity (ROE) | 7.2778% | 3,132 |
| Retained earnings to average equity (ytd only) | 4.4687% | 2,468 |
| Net charge-offs to loans | 0.1811% | 1,385 |
| Credit loss provision to net charge-offs | 149.3711% | 1,791 |
| Earnings coverage of net charge-offs (x) | 8.3459% | 2,926 |
| Efficiency ratio | 75.4214% | 1,702 |
| Assets per employee ($millions) | 3.1969% | 5,033 |
| Cash dividends to net income (ytd only)* | 38.5977% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,681 |
| Loan loss allowance to noncurrent loans | 198.8335% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 1,989 |
| Noncurrent loans to loans | 0.5235% | 2,944 |
| Net loans and leases to total assets | 78.5406% | 1,211 |
| Net loans and leases to deposits | 89.8553% | 1,791 |
| Net loans and leases to core deposits | 91.7137% | 2,397 |
| Total domestic deposits to total assets | 87.4078% | 1,811 |
| Equity capital to assets | 8.7447% | 4,931 |
| Core capital (leverage) ratio | 8.7540% | 4,899 |
| Tier 1 risk-based capital ratio | 10.5596% | 5,346 |
| Total risk-based capital ratio | 11.5590% | 5,364 |
| Memoranda: | ||
| Average total assets | $218,875,400 | 2,734 |
| Average earning assets | $203,129,600 | 2,740 |
| Average equity | $19,401,400 | 3,205 |
| Average total loans | $175,617,000 | 2,376 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 1,464 |
| Cost of funding earning assets | 0.3368% | 3,802 |
| Net interest margin | 4.2272% | 1,091 |
| Noninterest income to average assets | 1.0237% | 978 |
| Noninterest expense to average assets | 3.7777% | 696 |
| Loan and lease loss provision to assets | 0.2134% | 885 |
| Net operating income to assets | 0.6837% | 4,058 |
| Return on assets (ROA) | 0.6837% | 4,122 |
| Pretax return on assets | 0.9530% | 3,855 |
| Return on Equity (ROE) | 7.6862% | 3,300 |
| Retained earnings to average equity (ytd only) | 4.7486% | 3,050 |
| Net charge-offs to loans | 0.0466% | 2,511 |
| Credit loss provision to net charge-offs | 568.8525% | 562 |
| Earnings coverage of net charge-offs (x) | 31.0989% | 1,522 |
| Efficiency ratio | 76.4084% | 1,530 |
| Assets per employee ($millions) | 3.2404% | 5,025 |
| Cash dividends to net income (ytd only)* | 38.2192% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,365 |
| Loan loss allowance to noncurrent loans | 207.4534% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 2,115 |
| Noncurrent loans to loans | 0.5411% | 3,082 |
| Net loans and leases to total assets | 76.7190% | 1,466 |
| Net loans and leases to deposits | 87.7261% | 2,096 |
| Net loans and leases to core deposits | 89.2607% | 2,674 |
| Total domestic deposits to total assets | 87.4528% | 1,642 |
| Equity capital to assets | 8.5492% | 5,258 |
| Core capital (leverage) ratio | 8.6487% | 5,111 |
| Tier 1 risk-based capital ratio | 10.5804% | 5,425 |
| Total risk-based capital ratio | 11.6630% | 5,418 |
| Memoranda: | ||
| Average total assets | $216,848,750 | 2,781 |
| Average earning assets | $201,104,250 | 2,784 |
| Average equity | $19,289,500 | 3,242 |
| Average total loans | $174,484,250 | 2,396 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 1,261 |
| Cost of funding earning assets | 0.3257% | 3,839 |
| Net interest margin | 4.2678% | 943 |
| Noninterest income to average assets | 0.9537% | 1,126 |
| Noninterest expense to average assets | 3.8344% | 644 |
| Loan and lease loss provision to assets | 0.2015% | 911 |
| Net operating income to assets | 0.6176% | 4,223 |
| Return on assets (ROA) | 0.6176% | 4,268 |
| Pretax return on assets | 0.8652% | 4,059 |
| Return on Equity (ROE) | 6.8465% | 3,638 |
| Retained earnings to average equity (ytd only) | 3.7677% | 3,446 |
| Net charge-offs to loans | 0.0554% | 2,143 |
| Credit loss provision to net charge-offs | 445.8333% | 723 |
| Earnings coverage of net charge-offs (x) | 23.6042% | 1,674 |
| Efficiency ratio | 78.2367% | 1,430 |
| Assets per employee ($millions) | 2.8927% | 5,365 |
| Cash dividends to net income (ytd only)* | 44.9695% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,733 |
| Loan loss allowance to noncurrent loans | 197.6915% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 1,876 |
| Noncurrent loans to loans | 0.5421% | 3,123 |
| Net loans and leases to total assets | 80.1705% | 926 |
| Net loans and leases to deposits | 92.1473% | 1,468 |
| Net loans and leases to core deposits | 93.7107% | 2,181 |
| Total domestic deposits to total assets | 87.0025% | 1,956 |
| Equity capital to assets | 8.9168% | 4,970 |
| Core capital (leverage) ratio | 8.9946% | 4,735 |
| Tier 1 risk-based capital ratio | 10.5290% | 5,444 |
| Total risk-based capital ratio | 11.5589% | 5,474 |
| Memoranda: | ||
| Average total assets | $212,442,670 | 2,830 |
| Average earning assets | $196,495,330 | 2,844 |
| Average equity | $19,163,000 | 3,255 |
| Average total loans | $173,142,670 | 2,418 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,149 |
| Cost of funding earning assets | 0.3009% | 4,036 |
| Net interest margin | 4.2974% | 791 |
| Noninterest income to average assets | 0.8982% | 1,247 |
| Noninterest expense to average assets | 3.7205% | 754 |
| Loan and lease loss provision to assets | 0.2474% | 611 |
| Net operating income to assets | 0.6394% | 3,983 |
| Return on assets (ROA) | 0.6394% | 4,022 |
| Pretax return on assets | 0.8982% | 3,779 |
| Return on Equity (ROE) | 7.0470% | 3,381 |
| Retained earnings to average equity (ytd only) | 3.3767% | 3,747 |
| Net charge-offs to loans | -0.0256% | 4,860 |
| Credit loss provision to net charge-offs | -1,181.8182% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4568% | 1,843 |
| Assets per employee ($millions) | 2.8844% | 5,439 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,910 |
| Loan loss allowance to noncurrent loans | 1,026.5193% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 2,802 |
| Noncurrent loans to loans | 0.1037% | 4,773 |
| Net loans and leases to total assets | 80.9386% | 702 |
| Net loans and leases to deposits | 91.9196% | 1,337 |
| Net loans and leases to core deposits | 93.2351% | 2,040 |
| Total domestic deposits to total assets | 88.0537% | 1,689 |
| Equity capital to assets | 8.9723% | 4,833 |
| Core capital (leverage) ratio | 9.1027% | 4,615 |
| Tier 1 risk-based capital ratio | 10.6128% | 5,498 |
| Total risk-based capital ratio | 11.6470% | 5,511 |
| Memoranda: | ||
| Average total assets | $210,189,500 | 2,888 |
| Average earning assets | $194,071,000 | 2,886 |
| Average equity | $19,072,000 | 3,280 |
| Average total loans | $171,807,500 | 2,445 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7985% | 891 |
| Cost of funding earning assets | 0.2687% | 4,382 |
| Net interest margin | 4.5297% | 584 |
| Noninterest income to average assets | 1.2235% | 762 |
| Noninterest expense to average assets | 4.5719% | 350 |
| Loan and lease loss provision to assets | 0.1063% | 2,276 |
| Net operating income to assets | 0.5226% | 4,539 |
| Return on assets (ROA) | 0.5226% | 4,626 |
| Pretax return on assets | 0.7103% | 4,455 |
| Return on Equity (ROE) | 5.5553% | 4,181 |
| Retained earnings to average equity (ytd only) | 2.9819% | 3,777 |
| Net charge-offs to loans | 0.1288% | 1,954 |
| Credit loss provision to net charge-offs | 105.4455% | 2,462 |
| Earnings coverage of net charge-offs (x) | 8.0990% | 2,922 |
| Efficiency ratio | 84.8448% | 920 |
| Assets per employee ($millions) | 2.7228% | 5,548 |
| Cash dividends to net income (ytd only)* | 46.3228% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,218 |
| Loan loss allowance to noncurrent loans | 681.7460% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 2,606 |
| Noncurrent loans to loans | 0.1491% | 4,640 |
| Net loans and leases to total assets | 80.8372% | 765 |
| Net loans and leases to deposits | 91.8076% | 1,478 |
| Net loans and leases to core deposits | 92.8239% | 2,225 |
| Total domestic deposits to total assets | 88.0507% | 1,609 |
| Equity capital to assets | 9.1784% | 4,604 |
| Core capital (leverage) ratio | 9.2906% | 4,359 |
| Tier 1 risk-based capital ratio | 11.0020% | 5,346 |
| Total risk-based capital ratio | 12.0015% | 5,361 |
| Memoranda: | ||
| Average total assets | $200,333,200 | 2,951 |
| Average earning assets | $184,204,600 | 2,966 |
| Average equity | $18,847,000 | 3,289 |
| Average total loans | $156,807,000 | 2,558 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 851 |
| Cost of funding earning assets | 0.2649% | 4,447 |
| Net interest margin | 4.5595% | 547 |
| Noninterest income to average assets | 1.2348% | 760 |
| Noninterest expense to average assets | 4.7652% | 311 |
| Loan and lease loss provision to assets | 0.1409% | 1,665 |
| Net operating income to assets | 0.3919% | 5,042 |
| Return on assets (ROA) | 0.4000% | 5,116 |
| Pretax return on assets | 0.5328% | 5,056 |
| Return on Equity (ROE) | 4.2245% | 4,821 |
| Retained earnings to average equity (ytd only) | 1.6728% | 4,843 |
| Net charge-offs to loans | 0.1526% | 1,475 |
| Credit loss provision to net charge-offs | 119.3182% | 2,095 |
| Earnings coverage of net charge-offs (x) | 5.6137% | 3,104 |
| Efficiency ratio | 87.7859% | 686 |
| Assets per employee ($millions) | 2.7301% | 5,592 |
| Cash dividends to net income (ytd only)* | 60.4027% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,861 |
| Loan loss allowance to noncurrent loans | 161.3531% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 1,848 |
| Noncurrent loans to loans | 0.6786% | 2,990 |
| Net loans and leases to total assets | 75.7961% | 1,554 |
| Net loans and leases to deposits | 86.0050% | 2,256 |
| Net loans and leases to core deposits | 86.9570% | 2,852 |
| Total domestic deposits to total assets | 88.1299% | 1,338 |
| Equity capital to assets | 9.0700% | 5,105 |
| Core capital (leverage) ratio | 8.9916% | 4,837 |
| Tier 1 risk-based capital ratio | 11.1681% | 5,278 |
| Total risk-based capital ratio | 12.2197% | 5,301 |
| Memoranda: | ||
| Average total assets | $198,683,500 | 2,982 |
| Average earning assets | $182,736,500 | 3,001 |
| Average equity | $18,810,500 | 3,322 |
| Average total loans | $153,759,750 | 2,593 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 866 |
| Cost of funding earning assets | 0.2655% | 4,495 |
| Net interest margin | 4.5436% | 564 |
| Noninterest income to average assets | 1.1116% | 907 |
| Noninterest expense to average assets | 4.0818% | 542 |
| Loan and lease loss provision to assets | 0.1584% | 1,436 |
| Net operating income to assets | 0.7430% | 3,582 |
| Return on assets (ROA) | 0.7510% | 3,697 |
| Pretax return on assets | 1.0616% | 3,356 |
| Return on Equity (ROE) | 7.8160% | 3,078 |
| Retained earnings to average equity (ytd only) | 5.3701% | 2,504 |
| Net charge-offs to loans | 0.2145% | 1,094 |
| Credit loss provision to net charge-offs | 95.0920% | 2,182 |
| Earnings coverage of net charge-offs (x) | 7.2577% | 2,646 |
| Efficiency ratio | 77.1533% | 1,907 |
| Assets per employee ($millions) | 2.6017% | 5,735 |
| Cash dividends to net income (ytd only)* | 31.2925% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 4,145 |
| Loan loss allowance to noncurrent loans | 88.2597% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.7236% | 1,033 |
| Noncurrent loans to loans | 1.2054% | 1,911 |
| Net loans and leases to total assets | 79.9048% | 927 |
| Net loans and leases to deposits | 91.2775% | 1,597 |
| Net loans and leases to core deposits | 92.1813% | 2,331 |
| Total domestic deposits to total assets | 87.5405% | 1,653 |
| Equity capital to assets | 9.6652% | 4,599 |
| Core capital (leverage) ratio | 9.5052% | 4,203 |
| Tier 1 risk-based capital ratio | 11.3116% | 5,273 |
| Total risk-based capital ratio | 12.3372% | 5,291 |
| Memoranda: | ||
| Average total assets | $195,749,000 | 3,032 |
| Average earning assets | $180,034,330 | 3,044 |
| Average equity | $18,807,670 | 3,324 |
| Average total loans | $152,010,330 | 2,622 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 926 |
| Cost of funding earning assets | 0.2923% | 4,256 |
| Net interest margin | 4.4673% | 651 |
| Noninterest income to average assets | 1.0495% | 986 |
| Noninterest expense to average assets | 4.0748% | 563 |
| Loan and lease loss provision to assets | 0.1602% | 1,297 |
| Net operating income to assets | 0.6611% | 3,925 |
| Return on assets (ROA) | 0.6757% | 3,962 |
| Pretax return on assets | 0.9468% | 3,669 |
| Return on Equity (ROE) | 7.0540% | 3,424 |
| Retained earnings to average equity (ytd only) | 4.5883% | 3,183 |
| Net charge-offs to loans | 0.2808% | 751 |
| Credit loss provision to net charge-offs | 75.0000% | 1,868 |
| Earnings coverage of net charge-offs (x) | 5.0865% | 2,363 |
| Efficiency ratio | 78.9495% | 1,761 |
| Assets per employee ($millions) | 2.6552% | 5,755 |
| Cash dividends to net income (ytd only)* | 34.9544% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 4,002 |
| Loan loss allowance to noncurrent loans | 96.2221% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7360% | 1,098 |
| Noncurrent loans to loans | 1.1518% | 2,101 |
| Net loans and leases to total assets | 76.3376% | 1,336 |
| Net loans and leases to deposits | 87.1444% | 1,924 |
| Net loans and leases to core deposits | 87.8374% | 2,582 |
| Total domestic deposits to total assets | 87.5991% | 1,867 |
| Equity capital to assets | 9.5575% | 4,612 |
| Core capital (leverage) ratio | 9.5230% | 4,153 |
| Tier 1 risk-based capital ratio | 11.7718% | 5,062 |
| Total risk-based capital ratio | 12.8428% | 5,081 |
| Memoranda: | ||
| Average total assets | $194,759,000 | 3,048 |
| Average earning assets | $179,256,500 | 3,059 |
| Average equity | $18,656,000 | 3,354 |
| Average total loans | $148,168,500 | 2,679 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 1,206 |
| Cost of funding earning assets | 0.3197% | 4,035 |
| Net interest margin | 4.3348% | 898 |
| Noninterest income to average assets | 1.1642% | 874 |
| Noninterest expense to average assets | 5.5586% | 207 |
| Loan and lease loss provision to assets | 0.0600% | 3,102 |
| Net operating income to assets | -0.2462% | 5,981 |
| Return on assets (ROA) | -0.2462% | 5,989 |
| Pretax return on assets | -0.4590% | 6,031 |
| Return on Equity (ROE) | -2.4246% | 5,994 |
| Retained earnings to average equity (ytd only) | -4.8132% | 5,907 |
| Net charge-offs to loans | 0.2446% | 1,227 |
| Credit loss provision to net charge-offs | 33.9233% | 3,603 |
| Earnings coverage of net charge-offs (x) | -2.2566% | 4,361 |
| Efficiency ratio | 107.7335% | 161 |
| Assets per employee ($millions) | 2.4748% | 5,904 |
| Cash dividends to net income (ytd only)* | -98.5169% | 6,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 3,589 |
| Loan loss allowance to noncurrent loans | 70.5663% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 1,105 |
| Noncurrent loans to loans | 1.6722% | 1,358 |
| Net loans and leases to total assets | 74.0583% | 1,717 |
| Net loans and leases to deposits | 84.5334% | 2,298 |
| Net loans and leases to core deposits | 85.2157% | 2,861 |
| Total domestic deposits to total assets | 87.6083% | 1,840 |
| Equity capital to assets | 9.6009% | 4,434 |
| Core capital (leverage) ratio | 9.5979% | 4,049 |
| Tier 1 risk-based capital ratio | 12.1723% | 4,842 |
| Total risk-based capital ratio | 13.3003% | 4,819 |
| Memoranda: | ||
| Average total assets | $191,719,800 | 3,027 |
| Average earning assets | $176,710,600 | 3,034 |
| Average equity | $19,467,400 | 3,223 |
| Average total loans | $138,605,600 | 2,742 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 1,273 |
| Cost of funding earning assets | 0.3210% | 4,091 |
| Net interest margin | 4.3035% | 951 |
| Noninterest income to average assets | 1.1557% | 895 |
| Noninterest expense to average assets | 4.2543% | 513 |
| Loan and lease loss provision to assets | 0.0759% | 2,665 |
| Net operating income to assets | 0.5678% | 4,538 |
| Return on assets (ROA) | 0.5678% | 4,625 |
| Pretax return on assets | 0.7942% | 4,356 |
| Return on Equity (ROE) | 5.5157% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.3838% | 4,060 |
| Net charge-offs to loans | 0.2548% | 1,031 |
| Credit loss provision to net charge-offs | 41.6031% | 3,147 |
| Earnings coverage of net charge-offs (x) | 4.7672% | 3,301 |
| Efficiency ratio | 83.0207% | 1,269 |
| Assets per employee ($millions) | 2.5741% | 5,921 |
| Cash dividends to net income (ytd only)* | 38.6503% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 3,313 |
| Loan loss allowance to noncurrent loans | 60.3121% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8944% | 1,103 |
| Noncurrent loans to loans | 2.0880% | 1,088 |
| Net loans and leases to total assets | 71.2596% | 2,183 |
| Net loans and leases to deposits | 80.7956% | 2,789 |
| Net loans and leases to core deposits | 81.4323% | 3,315 |
| Total domestic deposits to total assets | 88.1973% | 1,455 |
| Equity capital to assets | 10.2094% | 3,921 |
| Core capital (leverage) ratio | 10.1120% | 3,485 |
| Tier 1 risk-based capital ratio | 13.3833% | 4,204 |
| Total risk-based capital ratio | 14.5816% | 4,155 |
| Memoranda: | ||
| Average total assets | $191,391,500 | 3,061 |
| Average earning assets | $176,504,250 | 3,060 |
| Average equity | $19,701,000 | 3,234 |
| Average total loans | $137,091,000 | 2,780 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 1,309 |
| Cost of funding earning assets | 0.3292% | 4,062 |
| Net interest margin | 4.2588% | 999 |
| Noninterest income to average assets | 1.0001% | 1,182 |
| Noninterest expense to average assets | 4.1173% | 598 |
| Loan and lease loss provision to assets | 0.0611% | 2,882 |
| Net operating income to assets | 0.5337% | 4,638 |
| Return on assets (ROA) | 0.5337% | 4,742 |
| Pretax return on assets | 0.7443% | 4,513 |
| Return on Equity (ROE) | 5.1707% | 4,539 |
| Retained earnings to average equity (ytd only) | 3.2330% | 3,993 |
| Net charge-offs to loans | 0.5275% | 467 |
| Credit loss provision to net charge-offs | 16.2011% | 3,053 |
| Earnings coverage of net charge-offs (x) | 2.1369% | 3,400 |
| Efficiency ratio | 83.6399% | 1,304 |
| Assets per employee ($millions) | 2.4562% | 6,053 |
| Cash dividends to net income (ytd only)* | 37.4753% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 3,825 |
| Loan loss allowance to noncurrent loans | 48.7011% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.3023% | 872 |
| Noncurrent loans to loans | 2.4535% | 916 |
| Net loans and leases to total assets | 70.3962% | 2,258 |
| Net loans and leases to deposits | 80.3649% | 2,738 |
| Net loans and leases to core deposits | 81.0142% | 3,279 |
| Total domestic deposits to total assets | 87.5957% | 1,843 |
| Equity capital to assets | 10.3123% | 3,674 |
| Core capital (leverage) ratio | 10.2583% | 3,275 |
| Tier 1 risk-based capital ratio | 13.4209% | 4,264 |
| Total risk-based capital ratio | 14.5335% | 4,284 |
| Memoranda: | ||
| Average total assets | $189,977,330 | 3,097 |
| Average earning assets | $174,979,670 | 3,096 |
| Average equity | $19,610,330 | 3,260 |
| Average total loans | $135,726,000 | 2,816 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 1,368 |
| Cost of funding earning assets | 0.3347% | 4,043 |
| Net interest margin | 4.1995% | 1,058 |
| Noninterest income to average assets | 0.8881% | 1,428 |
| Noninterest expense to average assets | 4.1063% | 614 |
| Loan and lease loss provision to assets | 0.1248% | 1,664 |
| Net operating income to assets | 0.3912% | 5,101 |
| Return on assets (ROA) | 0.3912% | 5,217 |
| Pretax return on assets | 0.5307% | 5,096 |
| Return on Equity (ROE) | 3.7877% | 5,072 |
| Retained earnings to average equity (ytd only) | 1.7403% | 4,777 |
| Net charge-offs to loans | 0.5852% | 423 |
| Credit loss provision to net charge-offs | 29.7980% | 2,280 |
| Earnings coverage of net charge-offs (x) | 1.5657% | 2,901 |
| Efficiency ratio | 86.2345% | 1,164 |
| Assets per employee ($millions) | 2.5163% | 6,099 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 3,318 |
| Loan loss allowance to noncurrent loans | 55.3086% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.2344% | 1,023 |
| Noncurrent loans to loans | 2.3782% | 1,034 |
| Net loans and leases to total assets | 70.3016% | 2,093 |
| Net loans and leases to deposits | 80.4048% | 2,523 |
| Net loans and leases to core deposits | 81.0553% | 3,051 |
| Total domestic deposits to total assets | 87.4346% | 2,151 |
| Equity capital to assets | 10.2390% | 3,843 |
| Core capital (leverage) ratio | 10.2560% | 3,274 |
| Tier 1 risk-based capital ratio | 13.3184% | 4,420 |
| Total risk-based capital ratio | 14.5459% | 4,351 |
| Memoranda: | ||
| Average total assets | $189,172,500 | 3,130 |
| Average earning assets | $174,497,500 | 3,118 |
| Average equity | $19,537,000 | 3,284 |
| Average total loans | $135,338,500 | 2,822 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 1,455 |
| Cost of funding earning assets | 0.4121% | 3,573 |
| Net interest margin | 4.2249% | 1,231 |
| Noninterest income to average assets | 0.9350% | 1,398 |
| Noninterest expense to average assets | 3.9683% | 783 |
| Loan and lease loss provision to assets | 0.1805% | 1,422 |
| Net operating income to assets | 0.4858% | 4,868 |
| Return on assets (ROA) | 0.4858% | 4,955 |
| Pretax return on assets | 0.6616% | 4,753 |
| Return on Equity (ROE) | 4.7597% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.9755% | 4,123 |
| Net charge-offs to loans | 0.3343% | 1,316 |
| Credit loss provision to net charge-offs | 75.7238% | 2,956 |
| Earnings coverage of net charge-offs (x) | 3.5323% | 3,871 |
| Efficiency ratio | 82.4945% | 1,605 |
| Assets per employee ($millions) | 2.3988% | 6,220 |
| Cash dividends to net income (ytd only)* | 37.4863% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 2,764 |
| Loan loss allowance to noncurrent loans | 59.5988% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.3308% | 1,015 |
| Noncurrent loans to loans | 2.4100% | 1,071 |
| Net loans and leases to total assets | 70.8208% | 2,105 |
| Net loans and leases to deposits | 80.7535% | 2,629 |
| Net loans and leases to core deposits | 81.5461% | 3,147 |
| Total domestic deposits to total assets | 87.7000% | 1,924 |
| Equity capital to assets | 10.4182% | 3,590 |
| Core capital (leverage) ratio | 10.2726% | 3,208 |
| Tier 1 risk-based capital ratio | 14.2018% | 3,964 |
| Total risk-based capital ratio | 15.4541% | 3,894 |
| Memoranda: | ||
| Average total assets | $188,341,800 | 3,122 |
| Average earning assets | $172,761,200 | 3,122 |
| Average equity | $19,223,800 | 3,259 |
| Average total loans | $134,313,600 | 2,785 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 1,594 |
| Cost of funding earning assets | 0.4211% | 3,565 |
| Net interest margin | 4.1689% | 1,379 |
| Noninterest income to average assets | 0.9859% | 1,264 |
| Noninterest expense to average assets | 3.8949% | 850 |
| Loan and lease loss provision to assets | 0.2318% | 950 |
| Net operating income to assets | 0.4891% | 4,910 |
| Return on assets (ROA) | 0.4891% | 4,977 |
| Pretax return on assets | 0.6792% | 4,767 |
| Return on Equity (ROE) | 4.8163% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.2643% | 4,302 |
| Net charge-offs to loans | 0.3962% | 1,004 |
| Credit loss provision to net charge-offs | 82.2055% | 2,554 |
| Earnings coverage of net charge-offs (x) | 3.2305% | 3,702 |
| Efficiency ratio | 81.0441% | 1,754 |
| Assets per employee ($millions) | 2.7467% | 6,030 |
| Cash dividends to net income (ytd only)* | 32.2260% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 2,903 |
| Loan loss allowance to noncurrent loans | 71.6521% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.9972% | 1,440 |
| Noncurrent loans to loans | 2.0376% | 1,543 |
| Net loans and leases to total assets | 69.1216% | 2,341 |
| Net loans and leases to deposits | 78.5923% | 2,881 |
| Net loans and leases to core deposits | 79.4564% | 3,378 |
| Total domestic deposits to total assets | 87.9496% | 1,796 |
| Equity capital to assets | 10.0803% | 4,067 |
| Core capital (leverage) ratio | 10.0064% | 3,676 |
| Tier 1 risk-based capital ratio | 14.1343% | 4,117 |
| Total risk-based capital ratio | 15.3866% | 4,053 |
| Memoranda: | ||
| Average total assets | $188,650,750 | 3,142 |
| Average earning assets | $172,863,750 | 3,153 |
| Average equity | $19,156,500 | 3,277 |
| Average total loans | $134,281,750 | 2,801 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 1,438 |
| Cost of funding earning assets | 0.4294% | 3,558 |
| Net interest margin | 4.2049% | 1,235 |
| Noninterest income to average assets | 0.9592% | 1,309 |
| Noninterest expense to average assets | 3.8721% | 881 |
| Loan and lease loss provision to assets | 0.2614% | 808 |
| Net operating income to assets | 0.4844% | 4,869 |
| Return on assets (ROA) | 0.4844% | 4,943 |
| Pretax return on assets | 0.6711% | 4,731 |
| Return on Equity (ROE) | 4.7585% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.9934% | 3,640 |
| Net charge-offs to loans | 0.2715% | 1,460 |
| Credit loss provision to net charge-offs | 134.6154% | 1,569 |
| Earnings coverage of net charge-offs (x) | 4.8022% | 3,040 |
| Efficiency ratio | 80.5907% | 1,933 |
| Assets per employee ($millions) | 2.5839% | 6,228 |
| Cash dividends to net income (ytd only)* | 16.0793% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 2,641 |
| Loan loss allowance to noncurrent loans | 66.7089% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 2.1853% | 1,397 |
| Noncurrent loans to loans | 2.3333% | 1,381 |
| Net loans and leases to total assets | 70.5492% | 1,993 |
| Net loans and leases to deposits | 80.3352% | 2,470 |
| Net loans and leases to core deposits | 81.2371% | 3,073 |
| Total domestic deposits to total assets | 87.8186% | 2,024 |
| Equity capital to assets | 10.2331% | 3,781 |
| Core capital (leverage) ratio | 10.1777% | 3,371 |
| Tier 1 risk-based capital ratio | 14.1539% | 4,149 |
| Total risk-based capital ratio | 15.4079% | 4,086 |
| Memoranda: | ||
| Average total assets | $187,445,330 | 3,178 |
| Average earning assets | $171,418,670 | 3,184 |
| Average equity | $19,081,670 | 3,274 |
| Average total loans | $134,086,670 | 2,807 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 1,545 |
| Cost of funding earning assets | 0.4324% | 3,623 |
| Net interest margin | 4.1507% | 1,340 |
| Noninterest income to average assets | 0.8691% | 1,485 |
| Noninterest expense to average assets | 3.8746% | 894 |
| Loan and lease loss provision to assets | 0.2590% | 815 |
| Net operating income to assets | 0.3982% | 5,124 |
| Return on assets (ROA) | 0.3982% | 5,195 |
| Pretax return on assets | 0.5373% | 5,056 |
| Return on Equity (ROE) | 3.9217% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.9217% | 3,760 |
| Net charge-offs to loans | 0.0988% | 2,178 |
| Credit loss provision to net charge-offs | 366.6667% | 692 |
| Earnings coverage of net charge-offs (x) | 11.2727% | 1,791 |
| Efficiency ratio | 82.9514% | 1,804 |
| Assets per employee ($millions) | 2.5878% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 2,755 |
| Loan loss allowance to noncurrent loans | 95.4260% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 1,969 |
| Noncurrent loans to loans | 1.6636% | 2,328 |
| Net loans and leases to total assets | 69.8284% | 1,922 |
| Net loans and leases to deposits | 79.8285% | 2,312 |
| Net loans and leases to core deposits | 80.5996% | 2,897 |
| Total domestic deposits to total assets | 87.4731% | 2,526 |
| Equity capital to assets | 10.1137% | 3,706 |
| Core capital (leverage) ratio | 10.0839% | 3,449 |
| Tier 1 risk-based capital ratio | 14.1763% | 4,208 |
| Total risk-based capital ratio | 15.4302% | 4,152 |
| Memoranda: | ||
| Average total assets | $186,856,500 | 3,212 |
| Average earning assets | $171,152,500 | 3,208 |
| Average equity | $18,971,500 | 3,284 |
| Average total loans | $133,542,000 | 2,829 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 1,782 |
| Cost of funding earning assets | 0.4780% | 3,839 |
| Net interest margin | 4.1479% | 1,510 |
| Noninterest income to average assets | 1.0991% | 1,159 |
| Noninterest expense to average assets | 3.9296% | 947 |
| Loan and lease loss provision to assets | 0.2890% | 1,183 |
| Net operating income to assets | 0.5121% | 4,678 |
| Return on assets (ROA) | 0.5121% | 4,811 |
| Pretax return on assets | 0.6837% | 4,602 |
| Return on Equity (ROE) | 5.1572% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.4720% | 3,756 |
| Net charge-offs to loans | 0.8819% | 692 |
| Credit loss provision to net charge-offs | 47.2632% | 3,886 |
| Earnings coverage of net charge-offs (x) | 1.5908% | 4,528 |
| Efficiency ratio | 80.1582% | 2,127 |
| Assets per employee ($millions) | 2.4640% | 6,425 |
| Cash dividends to net income (ytd only)* | 32.6763% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,041 |
| Loan loss allowance to noncurrent loans | 76.0910% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.7927% | 2,060 |
| Noncurrent loans to loans | 2.0152% | 1,974 |
| Net loans and leases to total assets | 70.8880% | 1,858 |
| Net loans and leases to deposits | 80.8633% | 2,335 |
| Net loans and leases to core deposits | 81.7841% | 2,921 |
| Total domestic deposits to total assets | 87.6640% | 2,386 |
| Equity capital to assets | 10.1932% | 3,517 |
| Core capital (leverage) ratio | 9.8788% | 3,729 |
| Tier 1 risk-based capital ratio | 13.8440% | 4,406 |
| Total risk-based capital ratio | 15.0973% | 4,348 |
| Memoranda: | ||
| Average total assets | $188,239,800 | 3,179 |
| Average earning assets | $172,592,800 | 3,181 |
| Average equity | $18,692,200 | 3,315 |
| Average total loans | $130,507,600 | 2,856 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 1,845 |
| Cost of funding earning assets | 0.4850% | 3,915 |
| Net interest margin | 4.1310% | 1,532 |
| Noninterest income to average assets | 1.1380% | 1,130 |
| Noninterest expense to average assets | 3.9125% | 952 |
| Loan and lease loss provision to assets | 0.3377% | 966 |
| Net operating income to assets | 0.5013% | 4,783 |
| Return on assets (ROA) | 0.5013% | 4,950 |
| Pretax return on assets | 0.6769% | 4,759 |
| Return on Equity (ROE) | 5.0814% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.0093% | 3,840 |
| Net charge-offs to loans | 0.6303% | 976 |
| Credit loss provision to net charge-offs | 78.0130% | 2,894 |
| Earnings coverage of net charge-offs (x) | 2.3436% | 4,057 |
| Efficiency ratio | 79.4076% | 2,204 |
| Assets per employee ($millions) | 2.5906% | 6,391 |
| Cash dividends to net income (ytd only)* | 21.0975% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 1,977 |
| Loan loss allowance to noncurrent loans | 79.1929% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.0834% | 1,927 |
| Noncurrent loans to loans | 2.4107% | 1,819 |
| Net loans and leases to total assets | 67.3257% | 2,411 |
| Net loans and leases to deposits | 76.3197% | 2,914 |
| Net loans and leases to core deposits | 77.1490% | 3,479 |
| Total domestic deposits to total assets | 88.2153% | 1,989 |
| Equity capital to assets | 9.7717% | 4,218 |
| Core capital (leverage) ratio | 9.6065% | 4,232 |
| Tier 1 risk-based capital ratio | 13.9476% | 4,471 |
| Total risk-based capital ratio | 15.2056% | 4,417 |
| Memoranda: | ||
| Average total assets | $189,099,750 | 3,201 |
| Average earning assets | $173,450,250 | 3,196 |
| Average equity | $18,656,000 | 3,350 |
| Average total loans | $129,874,250 | 2,885 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6173% | 1,794 |
| Cost of funding earning assets | 0.4990% | 3,912 |
| Net interest margin | 4.1183% | 1,496 |
| Noninterest income to average assets | 1.1613% | 1,130 |
| Noninterest expense to average assets | 3.8803% | 1,003 |
| Loan and lease loss provision to assets | 0.5036% | 538 |
| Net operating income to assets | 0.4314% | 5,102 |
| Return on assets (ROA) | 0.4314% | 5,258 |
| Pretax return on assets | 0.5568% | 5,177 |
| Return on Equity (ROE) | 4.3585% | 5,068 |
| Retained earnings to average equity (ytd only) | 4.3585% | 3,498 |
| Net charge-offs to loans | 0.9064% | 685 |
| Credit loss provision to net charge-offs | 80.8874% | 2,607 |
| Earnings coverage of net charge-offs (x) | 1.7031% | 3,966 |
| Efficiency ratio | 78.5376% | 2,376 |
| Assets per employee ($millions) | 2.6676% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9190% | 2,062 |
| Loan loss allowance to noncurrent loans | 78.1684% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.0344% | 2,121 |
| Noncurrent loans to loans | 2.4549% | 1,904 |
| Net loans and leases to total assets | 69.3853% | 2,000 |
| Net loans and leases to deposits | 79.0384% | 2,453 |
| Net loans and leases to core deposits | 79.6756% | 3,065 |
| Total domestic deposits to total assets | 87.7869% | 2,390 |
| Equity capital to assets | 10.0223% | 3,888 |
| Core capital (leverage) ratio | 9.7122% | 3,917 |
| Tier 1 risk-based capital ratio | 13.8556% | 4,519 |
| Total risk-based capital ratio | 15.1140% | 4,488 |
| Memoranda: | ||
| Average total assets | $188,230,670 | 3,226 |
| Average earning assets | $172,742,670 | 3,215 |
| Average equity | $18,630,330 | 3,382 |
| Average total loans | $129,305,670 | 2,895 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 2,061 |
| Cost of funding earning assets | 0.5099% | 3,974 |
| Net interest margin | 4.0213% | 1,704 |
| Noninterest income to average assets | 1.2467% | 982 |
| Noninterest expense to average assets | 3.9052% | 995 |
| Loan and lease loss provision to assets | 0.6371% | 388 |
| Net operating income to assets | 0.3365% | 5,412 |
| Return on assets (ROA) | 0.3365% | 5,550 |
| Pretax return on assets | 0.3937% | 5,580 |
| Return on Equity (ROE) | 3.4216% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.4216% | 4,200 |
| Net charge-offs to loans | 0.8193% | 738 |
| Credit loss provision to net charge-offs | 114.8855% | 1,647 |
| Earnings coverage of net charge-offs (x) | 1.8588% | 3,219 |
| Efficiency ratio | 79.1166% | 2,454 |
| Assets per employee ($millions) | 2.6128% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0678% | 1,870 |
| Loan loss allowance to noncurrent loans | 77.3395% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 2.2827% | 2,044 |
| Noncurrent loans to loans | 2.6737% | 1,917 |
| Net loans and leases to total assets | 66.6946% | 2,248 |
| Net loans and leases to deposits | 76.1235% | 2,618 |
| Net loans and leases to core deposits | 76.6076% | 3,246 |
| Total domestic deposits to total assets | 87.6137% | 2,561 |
| Equity capital to assets | 9.7801% | 4,455 |
| Core capital (leverage) ratio | 9.5993% | 3,928 |
| Tier 1 risk-based capital ratio | 13.9182% | 4,569 |
| Total risk-based capital ratio | 15.1783% | 4,518 |
| Memoranda: | ||
| Average total assets | $188,979,000 | 3,237 |
| Average earning assets | $173,378,500 | 3,229 |
| Average equity | $18,588,000 | 3,436 |
| Average total loans | $127,908,000 | 2,933 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 2,153 |
| Cost of funding earning assets | 0.6298% | 4,100 |
| Net interest margin | 4.1798% | 1,712 |
| Noninterest income to average assets | 1.3954% | 798 |
| Noninterest expense to average assets | 3.7419% | 1,339 |
| Loan and lease loss provision to assets | 0.7175% | 712 |
| Net operating income to assets | 0.5894% | 4,288 |
| Return on assets (ROA) | 0.5902% | 4,544 |
| Pretax return on assets | 0.7630% | 4,439 |
| Return on Equity (ROE) | 6.1298% | 4,098 |
| Retained earnings to average equity (ytd only) | 4.5384% | 3,030 |
| Net charge-offs to loans | 1.3083% | 739 |
| Credit loss provision to net charge-offs | 80.3550% | 3,822 |
| Earnings coverage of net charge-offs (x) | 1.6568% | 4,610 |
| Efficiency ratio | 71.6657% | 3,479 |
| Assets per employee ($millions) | 2.6003% | 6,543 |
| Cash dividends to net income (ytd only)* | 25.9624% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1021% | 1,766 |
| Loan loss allowance to noncurrent loans | 75.6935% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.2177% | 2,208 |
| Noncurrent loans to loans | 2.7772% | 1,902 |
| Net loans and leases to total assets | 65.8429% | 2,554 |
| Net loans and leases to deposits | 74.9007% | 2,979 |
| Net loans and leases to core deposits | 75.4984% | 3,601 |
| Total domestic deposits to total assets | 87.9069% | 2,290 |
| Equity capital to assets | 9.8930% | 4,323 |
| Core capital (leverage) ratio | 9.7104% | 3,786 |
| Tier 1 risk-based capital ratio | 14.0565% | 4,340 |
| Total risk-based capital ratio | 15.3172% | 4,292 |
| Memoranda: | ||
| Average total assets | $189,259,800 | 3,186 |
| Average earning assets | $173,236,400 | 3,188 |
| Average equity | $18,222,400 | 3,439 |
| Average total loans | $129,177,800 | 2,896 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 2,229 |
| Cost of funding earning assets | 0.6466% | 4,225 |
| Net interest margin | 4.1955% | 1,750 |
| Noninterest income to average assets | 1.5148% | 650 |
| Noninterest expense to average assets | 3.7301% | 1,325 |
| Loan and lease loss provision to assets | 0.7426% | 671 |
| Net operating income to assets | 0.6776% | 4,017 |
| Return on assets (ROA) | 0.6787% | 4,277 |
| Pretax return on assets | 0.8867% | 4,169 |
| Return on Equity (ROE) | 7.0972% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.7299% | 2,263 |
| Net charge-offs to loans | 1.2247% | 792 |
| Credit loss provision to net charge-offs | 88.5260% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.9405% | 4,289 |
| Efficiency ratio | 69.6171% | 3,764 |
| Assets per employee ($millions) | 2.6328% | 6,565 |
| Cash dividends to net income (ytd only)* | 5.1764% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2849% | 1,550 |
| Loan loss allowance to noncurrent loans | 66.0316% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.5427% | 2,079 |
| Noncurrent loans to loans | 3.4603% | 1,572 |
| Net loans and leases to total assets | 65.0208% | 2,835 |
| Net loans and leases to deposits | 74.4018% | 3,225 |
| Net loans and leases to core deposits | 74.9981% | 3,851 |
| Total domestic deposits to total assets | 87.3914% | 2,431 |
| Equity capital to assets | 9.9605% | 4,552 |
| Core capital (leverage) ratio | 9.4153% | 4,405 |
| Tier 1 risk-based capital ratio | 14.0470% | 4,488 |
| Total risk-based capital ratio | 15.3088% | 4,441 |
| Memoranda: | ||
| Average total assets | $189,769,000 | 3,210 |
| Average earning assets | $173,831,250 | 3,213 |
| Average equity | $18,147,500 | 3,484 |
| Average total loans | $129,992,250 | 2,916 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 2,118 |
| Cost of funding earning assets | 0.6728% | 4,246 |
| Net interest margin | 4.2260% | 1,680 |
| Noninterest income to average assets | 1.7240% | 511 |
| Noninterest expense to average assets | 3.7574% | 1,285 |
| Loan and lease loss provision to assets | 0.6858% | 815 |
| Net operating income to assets | 0.8573% | 3,102 |
| Return on assets (ROA) | 0.8589% | 3,364 |
| Pretax return on assets | 1.1494% | 3,122 |
| Return on Equity (ROE) | 9.1049% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.5490% | 1,433 |
| Net charge-offs to loans | 1.3605% | 762 |
| Credit loss provision to net charge-offs | 72.9097% | 3,497 |
| Earnings coverage of net charge-offs (x) | 1.9487% | 4,004 |
| Efficiency ratio | 67.2107% | 4,289 |
| Assets per employee ($millions) | 2.6508% | 6,599 |
| Cash dividends to net income (ytd only)* | 6.1050% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1624% | 1,857 |
| Loan loss allowance to noncurrent loans | 59.2593% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.5456% | 2,195 |
| Noncurrent loans to loans | 3.6490% | 1,565 |
| Net loans and leases to total assets | 65.7747% | 2,717 |
| Net loans and leases to deposits | 76.2938% | 2,945 |
| Net loans and leases to core deposits | 77.0272% | 3,655 |
| Total domestic deposits to total assets | 86.2124% | 3,242 |
| Equity capital to assets | 9.8089% | 4,612 |
| Core capital (leverage) ratio | 9.4726% | 4,176 |
| Tier 1 risk-based capital ratio | 13.8011% | 4,593 |
| Total risk-based capital ratio | 15.0616% | 4,561 |
| Memoranda: | ||
| Average total assets | $190,716,000 | 3,207 |
| Average earning assets | $174,490,330 | 3,211 |
| Average equity | $17,990,330 | 3,499 |
| Average total loans | $131,861,670 | 2,894 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 1,672 |
| Cost of funding earning assets | 0.7138% | 4,166 |
| Net interest margin | 4.3533% | 1,330 |
| Noninterest income to average assets | 0.9710% | 1,507 |
| Noninterest expense to average assets | 3.7089% | 1,363 |
| Loan and lease loss provision to assets | 0.7355% | 693 |
| Net operating income to assets | 0.3823% | 5,334 |
| Return on assets (ROA) | 0.3855% | 5,500 |
| Pretax return on assets | 0.5084% | 5,403 |
| Return on Equity (ROE) | 4.1678% | 5,216 |
| Retained earnings to average equity (ytd only) | 4.1678% | 4,092 |
| Net charge-offs to loans | 1.6175% | 610 |
| Credit loss provision to net charge-offs | 64.8897% | 3,017 |
| Earnings coverage of net charge-offs (x) | 1.0938% | 3,787 |
| Efficiency ratio | 74.9474% | 2,950 |
| Assets per employee ($millions) | 2.6500% | 6,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 2,144 |
| Loan loss allowance to noncurrent loans | 52.2783% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 2.8390% | 2,062 |
| Noncurrent loans to loans | 3.9826% | 1,541 |
| Net loans and leases to total assets | 67.7798% | 2,153 |
| Net loans and leases to deposits | 77.9397% | 2,522 |
| Net loans and leases to core deposits | 78.4241% | 3,272 |
| Total domestic deposits to total assets | 86.9644% | 2,971 |
| Equity capital to assets | 9.2067% | 5,224 |
| Core capital (leverage) ratio | 8.9912% | 4,853 |
| Tier 1 risk-based capital ratio | 12.6145% | 5,508 |
| Total risk-based capital ratio | 13.8741% | 5,472 |
| Memoranda: | ||
| Average total assets | $191,971,000 | 3,213 |
| Average earning assets | $175,408,500 | 3,221 |
| Average equity | $17,755,000 | 3,535 |
| Average total loans | $134,528,500 | 2,862 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 1,984 |
| Cost of funding earning assets | 0.8561% | 4,431 |
| Net interest margin | 4.3642% | 1,500 |
| Noninterest income to average assets | 0.9016% | 1,667 |
| Noninterest expense to average assets | 3.4765% | 2,045 |
| Loan and lease loss provision to assets | 0.8534% | 1,137 |
| Net operating income to assets | 0.3906% | 4,912 |
| Return on assets (ROA) | 0.3902% | 5,079 |
| Pretax return on assets | 0.5389% | 4,877 |
| Return on Equity (ROE) | 4.3842% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.3842% | 3,055 |
| Net charge-offs to loans | 1.3707% | 1,199 |
| Credit loss provision to net charge-offs | 86.0951% | 4,197 |
| Earnings coverage of net charge-offs (x) | 1.4051% | 4,717 |
| Efficiency ratio | 71.3951% | 3,715 |
| Assets per employee ($millions) | 2.6095% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 1,791 |
| Loan loss allowance to noncurrent loans | 56.6565% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.8583% | 2,113 |
| Noncurrent loans to loans | 3.8905% | 1,609 |
| Net loans and leases to total assets | 69.3834% | 2,146 |
| Net loans and leases to deposits | 79.7803% | 2,561 |
| Net loans and leases to core deposits | 80.7784% | 3,347 |
| Total domestic deposits to total assets | 86.9682% | 2,781 |
| Equity capital to assets | 9.2916% | 5,160 |
| Core capital (leverage) ratio | 8.8638% | 5,002 |
| Tier 1 risk-based capital ratio | 12.3171% | 5,604 |
| Total risk-based capital ratio | 13.5789% | 5,569 |
| Memoranda: | ||
| Average total assets | $192,984,200 | 3,143 |
| Average earning assets | $175,449,800 | 3,152 |
| Average equity | $17,175,200 | 3,549 |
| Average total loans | $139,568,000 | 2,797 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 2,178 |
| Cost of funding earning assets | 0.8992% | 4,404 |
| Net interest margin | 4.3089% | 1,686 |
| Noninterest income to average assets | 1.0103% | 1,313 |
| Noninterest expense to average assets | 3.4440% | 2,094 |
| Loan and lease loss provision to assets | 0.9628% | 910 |
| Net operating income to assets | 0.3806% | 5,078 |
| Return on assets (ROA) | 0.3801% | 5,266 |
| Pretax return on assets | 0.5199% | 5,090 |
| Return on Equity (ROE) | 4.3181% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.3181% | 3,655 |
| Net charge-offs to loans | 1.4018% | 1,068 |
| Credit loss provision to net charge-offs | 94.5233% | 3,619 |
| Earnings coverage of net charge-offs (x) | 1.4564% | 4,545 |
| Efficiency ratio | 69.8952% | 3,974 |
| Assets per employee ($millions) | 2.6692% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 1,737 |
| Loan loss allowance to noncurrent loans | 58.5167% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 2.9494% | 2,184 |
| Noncurrent loans to loans | 3.8780% | 1,723 |
| Net loans and leases to total assets | 69.9308% | 2,098 |
| Net loans and leases to deposits | 80.1429% | 2,632 |
| Net loans and leases to core deposits | 81.1186% | 3,467 |
| Total domestic deposits to total assets | 87.2576% | 2,488 |
| Equity capital to assets | 8.9898% | 5,768 |
| Core capital (leverage) ratio | 8.4483% | 5,779 |
| Tier 1 risk-based capital ratio | 11.7412% | 6,075 |
| Total risk-based capital ratio | 13.0035% | 6,067 |
| Memoranda: | ||
| Average total assets | $193,606,500 | 3,154 |
| Average earning assets | $176,003,250 | 3,155 |
| Average equity | $17,044,000 | 3,577 |
| Average total loans | $140,672,250 | 2,797 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1813% | 2,341 |
| Cost of funding earning assets | 0.9693% | 4,175 |
| Net interest margin | 4.2120% | 1,984 |
| Noninterest income to average assets | 1.0446% | 1,205 |
| Noninterest expense to average assets | 3.4277% | 2,192 |
| Loan and lease loss provision to assets | 1.0342% | 827 |
| Net operating income to assets | 0.3103% | 5,333 |
| Return on assets (ROA) | 0.3095% | 5,472 |
| Pretax return on assets | 0.4100% | 5,364 |
| Return on Equity (ROE) | 3.5413% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.5413% | 3,990 |
| Net charge-offs to loans | 1.0249% | 1,539 |
| Credit loss provision to net charge-offs | 138.1743% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.9308% | 3,896 |
| Efficiency ratio | 70.3420% | 4,043 |
| Assets per employee ($millions) | 2.6310% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5117% | 1,427 |
| Loan loss allowance to noncurrent loans | 59.5367% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 3.3774% | 1,952 |
| Noncurrent loans to loans | 4.2188% | 1,611 |
| Net loans and leases to total assets | 72.1421% | 1,762 |
| Net loans and leases to deposits | 83.1266% | 2,249 |
| Net loans and leases to core deposits | 84.3529% | 3,154 |
| Total domestic deposits to total assets | 86.7858% | 2,865 |
| Equity capital to assets | 9.0639% | 5,491 |
| Core capital (leverage) ratio | 8.4016% | 5,707 |
| Tier 1 risk-based capital ratio | 11.4628% | 6,191 |
| Total risk-based capital ratio | 12.7285% | 6,170 |
| Memoranda: | ||
| Average total assets | $193,190,670 | 3,182 |
| Average earning assets | $175,591,670 | 3,189 |
| Average equity | $16,886,330 | 3,594 |
| Average total loans | $141,087,330 | 2,825 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 2,808 |
| Cost of funding earning assets | 1.0295% | 3,993 |
| Net interest margin | 4.0323% | 2,555 |
| Noninterest income to average assets | 0.9904% | 1,353 |
| Noninterest expense to average assets | 3.3978% | 2,287 |
| Loan and lease loss provision to assets | 1.0232% | 739 |
| Net operating income to assets | 0.1896% | 5,817 |
| Return on assets (ROA) | 0.1845% | 5,894 |
| Pretax return on assets | 0.2256% | 5,885 |
| Return on Equity (ROE) | 2.1500% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.1500% | 4,852 |
| Net charge-offs to loans | 1.3848% | 991 |
| Credit loss provision to net charge-offs | 101.8367% | 2,597 |
| Earnings coverage of net charge-offs (x) | 1.2490% | 3,736 |
| Efficiency ratio | 73.0278% | 3,678 |
| Assets per employee ($millions) | 2.7580% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3214% | 1,728 |
| Loan loss allowance to noncurrent loans | 46.3137% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 3.8491% | 1,736 |
| Noncurrent loans to loans | 5.0122% | 1,343 |
| Net loans and leases to total assets | 70.9236% | 1,946 |
| Net loans and leases to deposits | 81.7139% | 2,413 |
| Net loans and leases to core deposits | 82.7659% | 3,342 |
| Total domestic deposits to total assets | 86.7951% | 3,063 |
| Equity capital to assets | 8.7197% | 5,628 |
| Core capital (leverage) ratio | 8.0500% | 6,193 |
| Tier 1 risk-based capital ratio | 11.1111% | 6,425 |
| Total risk-based capital ratio | 12.3740% | 6,391 |
| Memoranda: | ||
| Average total assets | $195,069,500 | 3,174 |
| Average earning assets | $177,170,500 | 3,192 |
| Average equity | $16,744,500 | 3,602 |
| Average total loans | $141,540,000 | 2,855 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5780% | 1,983 |
| Cost of funding earning assets | 1.2894% | 3,954 |
| Net interest margin | 4.2886% | 1,860 |
| Noninterest income to average assets | 1.0437% | 1,374 |
| Noninterest expense to average assets | 4.0756% | 1,056 |
| Loan and lease loss provision to assets | 1.6657% | 856 |
| Net operating income to assets | -0.5051% | 6,390 |
| Return on assets (ROA) | -0.4602% | 6,391 |
| Pretax return on assets | -0.7813% | 6,515 |
| Return on Equity (ROE) | -5.3513% | 6,461 |
| Retained earnings to average equity (ytd only) | -6.0501% | 6,386 |
| Net charge-offs to loans | 2.1079% | 937 |
| Credit loss provision to net charge-offs | 106.9110% | 4,167 |
| Earnings coverage of net charge-offs (x) | 0.5227% | 5,594 |
| Efficiency ratio | 83.3470% | 2,005 |
| Assets per employee ($millions) | 2.6633% | 6,746 |
| Cash dividends to net income (ytd only)* | -13.0577% | 7,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2708% | 1,740 |
| Loan loss allowance to noncurrent loans | 75.1854% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.4634% | 2,811 |
| Noncurrent loans to loans | 3.0202% | 2,531 |
| Net loans and leases to total assets | 70.8629% | 2,340 |
| Net loans and leases to deposits | 82.5787% | 2,701 |
| Net loans and leases to core deposits | 83.5020% | 3,665 |
| Total domestic deposits to total assets | 85.8125% | 3,446 |
| Equity capital to assets | 8.4508% | 5,922 |
| Core capital (leverage) ratio | 7.8951% | 6,325 |
| Tier 1 risk-based capital ratio | 10.8394% | 6,455 |
| Total risk-based capital ratio | 12.1018% | 6,414 |
| Memoranda: | ||
| Average total assets | $199,675,400 | 3,108 |
| Average earning assets | $179,077,400 | 3,134 |
| Average equity | $17,173,400 | 3,562 |
| Average total loans | $147,584,400 | 2,814 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6495% | 1,888 |
| Cost of funding earning assets | 1.3220% | 4,098 |
| Net interest margin | 4.3275% | 1,749 |
| Noninterest income to average assets | 1.0283% | 1,383 |
| Noninterest expense to average assets | 3.9648% | 1,090 |
| Loan and lease loss provision to assets | 1.6746% | 764 |
| Net operating income to assets | -0.4290% | 6,544 |
| Return on assets (ROA) | -0.3694% | 6,534 |
| Pretax return on assets | -0.6463% | 6,646 |
| Return on Equity (ROE) | -4.2766% | 6,587 |
| Retained earnings to average equity (ytd only) | -5.2013% | 6,569 |
| Net charge-offs to loans | 2.1933% | 825 |
| Credit loss provision to net charge-offs | 102.8198% | 4,179 |
| Earnings coverage of net charge-offs (x) | 0.5742% | 5,441 |
| Efficiency ratio | 80.9155% | 2,226 |
| Assets per employee ($millions) | 2.6115% | 6,919 |
| Cash dividends to net income (ytd only)* | -21.6222% | 7,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 1,905 |
| Loan loss allowance to noncurrent loans | 101.0104% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.9956% | 3,477 |
| Noncurrent loans to loans | 2.1186% | 3,552 |
| Net loans and leases to total assets | 70.4743% | 2,617 |
| Net loans and leases to deposits | 81.6412% | 3,163 |
| Net loans and leases to core deposits | 82.2434% | 4,212 |
| Total domestic deposits to total assets | 86.3220% | 2,899 |
| Equity capital to assets | 8.5554% | 6,215 |
| Core capital (leverage) ratio | 8.2061% | 6,026 |
| Tier 1 risk-based capital ratio | 11.2392% | 6,147 |
| Total risk-based capital ratio | 12.4993% | 6,138 |
| Memoranda: | ||
| Average total assets | $200,323,750 | 3,132 |
| Average earning assets | $179,220,000 | 3,168 |
| Average equity | $17,303,000 | 3,590 |
| Average total loans | $148,754,750 | 2,829 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6903% | 1,804 |
| Cost of funding earning assets | 1.3314% | 4,321 |
| Net interest margin | 4.3589% | 1,566 |
| Noninterest income to average assets | 1.0067% | 1,369 |
| Noninterest expense to average assets | 3.9366% | 1,128 |
| Loan and lease loss provision to assets | 2.1503% | 563 |
| Net operating income to assets | -0.7184% | 6,816 |
| Return on assets (ROA) | -0.6288% | 6,787 |
| Pretax return on assets | -1.0456% | 6,908 |
| Return on Equity (ROE) | -7.2566% | 6,853 |
| Retained earnings to average equity (ytd only) | -8.6410% | 6,847 |
| Net charge-offs to loans | 2.6015% | 642 |
| Credit loss provision to net charge-offs | 110.1947% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.4944% | 5,229 |
| Efficiency ratio | 80.3182% | 2,404 |
| Assets per employee ($millions) | 2.4924% | 7,115 |
| Cash dividends to net income (ytd only)* | -19.0779% | 7,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 1,779 |
| Loan loss allowance to noncurrent loans | 108.5407% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 2.4332% | 2,961 |
| Noncurrent loans to loans | 2.0172% | 3,695 |
| Net loans and leases to total assets | 73.2357% | 2,098 |
| Net loans and leases to deposits | 85.0061% | 2,705 |
| Net loans and leases to core deposits | 85.5158% | 3,905 |
| Total domestic deposits to total assets | 86.1534% | 3,006 |
| Equity capital to assets | 8.6557% | 5,936 |
| Core capital (leverage) ratio | 8.3338% | 5,700 |
| Tier 1 risk-based capital ratio | 10.8593% | 6,389 |
| Total risk-based capital ratio | 12.1200% | 6,371 |
| Memoranda: | ||
| Average total assets | $200,068,670 | 3,164 |
| Average earning assets | $178,759,330 | 3,205 |
| Average equity | $17,336,000 | 3,577 |
| Average total loans | $150,068,000 | 2,838 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7230% | 1,693 |
| Cost of funding earning assets | 1.3381% | 4,574 |
| Net interest margin | 4.3849% | 1,434 |
| Noninterest income to average assets | 0.8728% | 1,729 |
| Noninterest expense to average assets | 3.8403% | 1,258 |
| Loan and lease loss provision to assets | 3.0924% | 317 |
| Net operating income to assets | -1.3489% | 7,278 |
| Return on assets (ROA) | -1.2080% | 7,240 |
| Pretax return on assets | -1.9201% | 7,392 |
| Return on Equity (ROE) | -13.9339% | 7,289 |
| Retained earnings to average equity (ytd only) | -16.6795% | 7,264 |
| Net charge-offs to loans | 2.8774% | 540 |
| Credit loss provision to net charge-offs | 143.1589% | 2,484 |
| Earnings coverage of net charge-offs (x) | 0.4408% | 4,633 |
| Efficiency ratio | 80.1325% | 2,549 |
| Assets per employee ($millions) | 2.3838% | 7,358 |
| Cash dividends to net income (ytd only)* | -19.7044% | 7,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3166% | 1,552 |
| Loan loss allowance to noncurrent loans | 128.5347% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 2.2143% | 3,258 |
| Noncurrent loans to loans | 1.8023% | 4,048 |
| Net loans and leases to total assets | 73.7041% | 2,035 |
| Net loans and leases to deposits | 85.4030% | 2,702 |
| Net loans and leases to core deposits | 85.9511% | 3,908 |
| Total domestic deposits to total assets | 86.3014% | 2,985 |
| Equity capital to assets | 8.5343% | 5,951 |
| Core capital (leverage) ratio | 8.3112% | 5,721 |
| Tier 1 risk-based capital ratio | 10.7598% | 6,384 |
| Total risk-based capital ratio | 12.0217% | 6,355 |
| Memoranda: | ||
| Average total assets | $201,653,000 | 3,200 |
| Average earning assets | $180,256,000 | 3,247 |
| Average equity | $17,482,500 | 3,573 |
| Average total loans | $151,387,500 | 2,870 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3235% | 979 |
| Cost of funding earning assets | 1.7313% | 4,355 |
| Net interest margin | 4.5922% | 998 |
| Noninterest income to average assets | 1.2347% | 991 |
| Noninterest expense to average assets | 3.7502% | 1,795 |
| Loan and lease loss provision to assets | 1.5050% | 1,528 |
| Net operating income to assets | 0.0634% | 5,308 |
| Return on assets (ROA) | 0.2242% | 4,888 |
| Pretax return on assets | 0.2626% | 4,866 |
| Return on Equity (ROE) | 2.5457% | 4,691 |
| Retained earnings to average equity (ytd only) | 1.1928% | 4,212 |
| Net charge-offs to loans | 1.3655% | 1,833 |
| Credit loss provision to net charge-offs | 140.8098% | 3,450 |
| Earnings coverage of net charge-offs (x) | 1.4768% | 4,651 |
| Efficiency ratio | 70.3778% | 4,541 |
| Assets per employee ($millions) | 2.4466% | 7,287 |
| Cash dividends to net income (ytd only)* | 53.1453% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 2,033 |
| Loan loss allowance to noncurrent loans | 97.0221% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 2.3411% | 2,957 |
| Noncurrent loans to loans | 2.0588% | 3,575 |
| Net loans and leases to total assets | 73.2077% | 2,446 |
| Net loans and leases to deposits | 84.9656% | 3,097 |
| Net loans and leases to core deposits | 96.0075% | 4,468 |
| Total domestic deposits to total assets | 86.1616% | 2,923 |
| Equity capital to assets | 8.8030% | 5,433 |
| Core capital (leverage) ratio | 8.6980% | 4,926 |
| Tier 1 risk-based capital ratio | 11.1515% | 5,774 |
| Total risk-based capital ratio | 12.4254% | 5,706 |
| Memoranda: | ||
| Average total assets | $205,644,400 | 3,112 |
| Average earning assets | $183,331,600 | 3,175 |
| Average equity | $18,108,800 | 3,491 |
| Average total loans | $160,962,400 | 2,746 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4006% | 921 |
| Cost of funding earning assets | 1.8275% | 4,242 |
| Net interest margin | 4.5731% | 1,034 |
| Noninterest income to average assets | 1.2668% | 961 |
| Noninterest expense to average assets | 3.6944% | 1,831 |
| Loan and lease loss provision to assets | 0.9158% | 2,093 |
| Net operating income to assets | 0.5398% | 3,830 |
| Return on assets (ROA) | 0.6231% | 3,577 |
| Pretax return on assets | 0.8447% | 3,402 |
| Return on Equity (ROE) | 7.0749% | 3,040 |
| Retained earnings to average equity (ytd only) | 6.1575% | 1,873 |
| Net charge-offs to loans | 0.9456% | 2,082 |
| Credit loss provision to net charge-offs | 122.3661% | 4,142 |
| Earnings coverage of net charge-offs (x) | 2.2021% | 4,171 |
| Efficiency ratio | 69.1507% | 4,757 |
| Assets per employee ($millions) | 2.4613% | 7,290 |
| Cash dividends to net income (ytd only)* | 12.9666% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 3,363 |
| Loan loss allowance to noncurrent loans | 50.7425% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.1441% | 2,173 |
| Noncurrent loans to loans | 2.9821% | 2,536 |
| Net loans and leases to total assets | 76.2067% | 1,955 |
| Net loans and leases to deposits | 90.4392% | 2,497 |
| Net loans and leases to core deposits | 101.9956% | 4,155 |
| Total domestic deposits to total assets | 84.2630% | 3,596 |
| Equity capital to assets | 9.1160% | 5,311 |
| Core capital (leverage) ratio | 8.7347% | 5,074 |
| Tier 1 risk-based capital ratio | 11.1916% | 5,765 |
| Total risk-based capital ratio | 12.5075% | 5,632 |
| Memoranda: | ||
| Average total assets | $206,289,000 | 3,122 |
| Average earning assets | $183,852,250 | 3,194 |
| Average equity | $18,167,000 | 3,506 |
| Average total loans | $163,280,500 | 2,738 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5327% | 765 |
| Cost of funding earning assets | 1.8895% | 4,319 |
| Net interest margin | 4.6431% | 887 |
| Noninterest income to average assets | 1.4032% | 768 |
| Noninterest expense to average assets | 3.7129% | 1,814 |
| Loan and lease loss provision to assets | 0.8263% | 2,030 |
| Net operating income to assets | 0.7266% | 3,146 |
| Return on assets (ROA) | 0.7287% | 3,244 |
| Pretax return on assets | 1.0060% | 2,985 |
| Return on Equity (ROE) | 8.3708% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.3708% | 1,099 |
| Net charge-offs to loans | 0.7102% | 2,279 |
| Credit loss provision to net charge-offs | 145.9044% | 3,171 |
| Earnings coverage of net charge-offs (x) | 3.2304% | 3,520 |
| Efficiency ratio | 66.9922% | 5,366 |
| Assets per employee ($millions) | 2.5555% | 7,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 3,272 |
| Loan loss allowance to noncurrent loans | 50.9871% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.9984% | 2,119 |
| Noncurrent loans to loans | 2.9150% | 2,467 |
| Net loans and leases to total assets | 77.8766% | 1,771 |
| Net loans and leases to deposits | 93.0656% | 2,258 |
| Net loans and leases to core deposits | 104.7358% | 3,984 |
| Total domestic deposits to total assets | 83.6793% | 3,925 |
| Equity capital to assets | 9.0046% | 5,309 |
| Core capital (leverage) ratio | 8.8379% | 4,884 |
| Tier 1 risk-based capital ratio | 10.9737% | 5,899 |
| Total risk-based capital ratio | 12.2265% | 5,832 |
| Memoranda: | ||
| Average total assets | $206,955,670 | 3,141 |
| Average earning assets | $184,488,670 | 3,206 |
| Average equity | $18,015,000 | 3,546 |
| Average total loans | $165,016,000 | 2,736 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6086% | 698 |
| Cost of funding earning assets | 1.9553% | 4,354 |
| Net interest margin | 4.6533% | 861 |
| Noninterest income to average assets | 1.5369% | 587 |
| Noninterest expense to average assets | 3.6674% | 1,715 |
| Loan and lease loss provision to assets | 0.5802% | 2,172 |
| Net operating income to assets | 1.0163% | 2,241 |
| Return on assets (ROA) | 1.0163% | 2,383 |
| Pretax return on assets | 1.4543% | 1,806 |
| Return on Equity (ROE) | 11.8756% | 1,702 |
| Retained earnings to average equity (ytd only) | 11.8756% | 812 |
| Net charge-offs to loans | 0.6286% | 1,920 |
| Credit loss provision to net charge-offs | 115.2672% | 3,384 |
| Earnings coverage of net charge-offs (x) | 4.0420% | 2,995 |
| Efficiency ratio | 64.3194% | 5,628 |
| Assets per employee ($millions) | 2.5045% | 7,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 3,963 |
| Loan loss allowance to noncurrent loans | 43.5035% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.1553% | 1,776 |
| Noncurrent loans to loans | 3.0332% | 2,152 |
| Net loans and leases to total assets | 79.1292% | 1,555 |
| Net loans and leases to deposits | 93.9558% | 2,272 |
| Net loans and leases to core deposits | 106.0564% | 3,902 |
| Total domestic deposits to total assets | 84.2195% | 3,596 |
| Equity capital to assets | 8.8183% | 5,590 |
| Core capital (leverage) ratio | 8.5924% | 5,358 |
| Tier 1 risk-based capital ratio | 10.6349% | 6,252 |
| Total risk-based capital ratio | 11.8856% | 6,175 |
| Memoranda: | ||
| Average total assets | $208,213,500 | 3,138 |
| Average earning assets | $186,363,000 | 3,205 |
| Average equity | $17,818,000 | 3,590 |
| Average total loans | $166,717,500 | 2,743 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9814% | 1,184 |
| Cost of funding earning assets | 2.6101% | 3,635 |
| Net interest margin | 4.3713% | 1,769 |
| Noninterest income to average assets | 1.0796% | 1,354 |
| Noninterest expense to average assets | 4.0182% | 1,391 |
| Loan and lease loss provision to assets | 1.1581% | 1,255 |
| Net operating income to assets | -0.0433% | 6,432 |
| Return on assets (ROA) | -0.2342% | 6,505 |
| Pretax return on assets | -0.4587% | 6,619 |
| Return on Equity (ROE) | -2.7779% | 6,592 |
| Retained earnings to average equity (ytd only) | -3.4267% | 6,215 |
| Net charge-offs to loans | 1.3303% | 890 |
| Credit loss provision to net charge-offs | 107.5554% | 4,991 |
| Earnings coverage of net charge-offs (x) | 0.9266% | 5,671 |
| Efficiency ratio | 80.1081% | 2,583 |
| Assets per employee ($millions) | 2.4542% | 7,292 |
| Cash dividends to net income (ytd only)* | -23.3533% | 7,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,029 |
| Loan loss allowance to noncurrent loans | 51.6715% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 2.7135% | 1,739 |
| Noncurrent loans to loans | 2.4461% | 2,236 |
| Net loans and leases to total assets | 78.9462% | 1,898 |
| Net loans and leases to deposits | 95.6735% | 2,494 |
| Net loans and leases to core deposits | 107.5223% | 4,022 |
| Total domestic deposits to total assets | 82.5163% | 3,984 |
| Equity capital to assets | 8.3038% | 6,417 |
| Core capital (leverage) ratio | 8.2593% | 6,035 |
| Tier 1 risk-based capital ratio | 10.0837% | 6,639 |
| Total risk-based capital ratio | 11.3213% | 6,539 |
| Memoranda: | ||
| Average total assets | $213,879,200 | 2,953 |
| Average earning assets | $192,597,000 | 3,000 |
| Average equity | $18,035,000 | 3,549 |
| Average total loans | $173,122,400 | 2,577 |