Home > The Hershey State Bank > Performance and Condition Ratios
The Hershey State 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 | 6.1064% | 557 |
| Cost of funding earning assets | 1.4987% | 1,943 |
| Net interest margin | 4.6078% | 520 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.4039% | 2,578 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.7357% | 685 |
| Return on assets (ROA) | 1.7357% | 654 |
| Pretax return on assets | 2.2298% | 474 |
| Return on Equity (ROE) | 12.8800% | 1,757 |
| Retained earnings to average equity (ytd only) | 5.5766% | 2,385 |
| Net charge-offs to loans | 0.0013% | 2,804 |
| Credit loss provision to net charge-offs | 13,700.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 2,551.0000% | 56 |
| Efficiency ratio | 47.6134% | 4,106 |
| Assets per employee ($millions) | 6.0681% | 2,763 |
| Cash dividends to net income (ytd only)* | 56.7067% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 679 |
| Loan loss allowance to noncurrent loans | 67.9938% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.9920% | 149 |
| Noncurrent loans to loans | 2.4819% | 199 |
| Net loans and leases to total assets | 78.9100% | 771 |
| Net loans and leases to deposits | 97.6508% | 669 |
| Net loans and leases to core deposits | 115.6081% | 758 |
| Total domestic deposits to total assets | 80.8000% | 3,344 |
| Equity capital to assets | 14.7255% | 578 |
| Core capital (leverage) ratio | 12.7594% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9224% | 933 |
| Memoranda: | ||
| Average total assets | $105,661,800 | 3,774 |
| Average earning assets | $97,487,600 | 3,771 |
| Average equity | $14,238,000 | 3,324 |
| Average total loans | $76,791,000 | 3,457 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8659% | 634 |
| Cost of funding earning assets | 1.4214% | 1,807 |
| Net interest margin | 4.4446% | 670 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.2559% | 2,934 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.7451% | 735 |
| Return on assets (ROA) | 1.7451% | 721 |
| Pretax return on assets | 2.2373% | 533 |
| Return on Equity (ROE) | 13.2300% | 1,857 |
| Retained earnings to average equity (ytd only) | 12.6644% | 861 |
| Net charge-offs to loans | 0.0017% | 2,523 |
| Credit loss provision to net charge-offs | 11,700.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 1,984.0000% | 71 |
| Efficiency ratio | 45.5357% | 4,156 |
| Assets per employee ($millions) | 6.8031% | 2,102 |
| Cash dividends to net income (ytd only)* | 4.2523% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 868 |
| Loan loss allowance to noncurrent loans | 62.8336% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 2.0197% | 138 |
| Noncurrent loans to loans | 2.5622% | 192 |
| Net loans and leases to total assets | 77.5600% | 935 |
| Net loans and leases to deposits | 98.8053% | 567 |
| Net loans and leases to core deposits | 120.9284% | 530 |
| Total domestic deposits to total assets | 78.4900% | 3,764 |
| Equity capital to assets | 14.5560% | 582 |
| Core capital (leverage) ratio | 13.5039% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0184% | 815 |
| Memoranda: | ||
| Average total assets | $107,804,750 | 3,775 |
| Average earning assets | $99,714,500 | 3,763 |
| Average equity | $14,223,250 | 3,319 |
| Average total loans | $76,507,500 | 3,467 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7137% | 624 |
| Cost of funding earning assets | 1.3283% | 1,636 |
| Net interest margin | 4.3855% | 718 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.1709% | 3,164 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.8064% | 650 |
| Return on assets (ROA) | 1.8064% | 650 |
| Pretax return on assets | 2.3149% | 455 |
| Return on Equity (ROE) | 14.1400% | 1,647 |
| Retained earnings to average equity (ytd only) | 14.1440% | 661 |
| Net charge-offs to loans | 0.0027% | 2,249 |
| Credit loss provision to net charge-offs | 8,700.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,415.0000% | 101 |
| Efficiency ratio | 43.3231% | 4,288 |
| Assets per employee ($millions) | 7.0950% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 829 |
| Loan loss allowance to noncurrent loans | 67.0196% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.7750% | 168 |
| Noncurrent loans to loans | 2.4676% | 186 |
| Net loans and leases to total assets | 70.7400% | 1,663 |
| Net loans and leases to deposits | 85.4346% | 1,548 |
| Net loans and leases to core deposits | 106.1967% | 977 |
| Total domestic deposits to total assets | 82.8000% | 3,089 |
| Equity capital to assets | 13.6190% | 696 |
| Core capital (leverage) ratio | 12.4617% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2148% | 792 |
| Memoranda: | ||
| Average total assets | $109,724,000 | 3,775 |
| Average earning assets | $101,335,000 | 3,763 |
| Average equity | $14,013,000 | 3,353 |
| Average total loans | $75,197,000 | 3,487 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5836% | 546 |
| Cost of funding earning assets | 1.1831% | 1,497 |
| Net interest margin | 4.4005% | 683 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 2.0903% | 3,404 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 1.9358% | 542 |
| Return on assets (ROA) | 1.9358% | 537 |
| Pretax return on assets | 2.4781% | 369 |
| Return on Equity (ROE) | 15.6500% | 1,429 |
| Retained earnings to average equity (ytd only) | 15.6544% | 724 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.3010% | 4,462 |
| Assets per employee ($millions) | 7.0258% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 826 |
| Loan loss allowance to noncurrent loans | 65.3264% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.7036% | 172 |
| Noncurrent loans to loans | 2.5873% | 182 |
| Net loans and leases to total assets | 64.7300% | 2,178 |
| Net loans and leases to deposits | 75.6891% | 2,148 |
| Net loans and leases to core deposits | 91.4177% | 1,537 |
| Total domestic deposits to total assets | 85.5200% | 2,718 |
| Equity capital to assets | 12.4915% | 878 |
| Core capital (leverage) ratio | 11.6890% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0807% | 984 |
| Memoranda: | ||
| Average total assets | $111,373,500 | 3,811 |
| Average earning assets | $102,443,500 | 3,799 |
| Average equity | $13,772,500 | 3,413 |
| Average total loans | $74,520,000 | 3,532 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 384 |
| Cost of funding earning assets | 0.9892% | 171 |
| Net interest margin | 3.8674% | 1,035 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.2743% | 2,821 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3522% | 1,276 |
| Return on assets (ROA) | 1.3522% | 1,233 |
| Pretax return on assets | 1.7435% | 830 |
| Return on Equity (ROE) | 10.8400% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.5495% | 2,809 |
| Net charge-offs to loans | -0.1111% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.5268% | 4,028 |
| Assets per employee ($millions) | 7.8811% | 1,385 |
| Cash dividends to net income (ytd only)* | 48.8145% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 1,028 |
| Loan loss allowance to noncurrent loans | 62.4470% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.7112% | 164 |
| Noncurrent loans to loans | 2.5165% | 187 |
| Net loans and leases to total assets | 66.9300% | 1,937 |
| Net loans and leases to deposits | 77.9931% | 1,949 |
| Net loans and leases to core deposits | 94.9642% | 1,254 |
| Total domestic deposits to total assets | 85.8200% | 2,774 |
| Equity capital to assets | 12.2382% | 871 |
| Core capital (leverage) ratio | 10.9208% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5363% | 1,046 |
| Memoranda: | ||
| Average total assets | $106,053,200 | 3,877 |
| Average earning assets | $99,577,200 | 3,841 |
| Average equity | $13,226,400 | 3,554 |
| Average total loans | $77,393,400 | 3,446 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5425% | 470 |
| Cost of funding earning assets | 0.9212% | 94 |
| Net interest margin | 3.6213% | 1,346 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.2517% | 2,782 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.1811% | 1,765 |
| Return on assets (ROA) | 1.1811% | 1,736 |
| Pretax return on assets | 1.5278% | 1,334 |
| Return on Equity (ROE) | 9.4200% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.9175% | 1,673 |
| Net charge-offs to loans | -0.1453% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.7669% | 3,838 |
| Assets per employee ($millions) | 7.3818% | 1,687 |
| Cash dividends to net income (ytd only)* | 5.3763% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 1,830 |
| Loan loss allowance to noncurrent loans | 57.8629% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.6798% | 187 |
| Noncurrent loans to loans | 2.3226% | 243 |
| Net loans and leases to total assets | 71.3500% | 1,357 |
| Net loans and leases to deposits | 86.7076% | 1,128 |
| Net loans and leases to core deposits | 104.4030% | 636 |
| Total domestic deposits to total assets | 82.2900% | 3,793 |
| Equity capital to assets | 11.5554% | 983 |
| Core capital (leverage) ratio | 11.0138% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1549% | 1,385 |
| Memoranda: | ||
| Average total assets | $104,982,750 | 3,906 |
| Average earning assets | $98,562,750 | 3,875 |
| Average equity | $13,157,250 | 3,597 |
| Average total loans | $77,985,250 | 3,454 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 493 |
| Cost of funding earning assets | 0.8591% | 71 |
| Net interest margin | 3.4808% | 1,371 |
| Noninterest income to average assets | 0.5745% | 1,847 |
| Noninterest expense to average assets | 2.3557% | 2,385 |
| Loan and lease loss provision to assets | 0.1988% | 416 |
| Net operating income to assets | 0.9960% | 2,171 |
| Return on assets (ROA) | 0.9960% | 2,142 |
| Pretax return on assets | 1.2902% | 1,780 |
| Return on Equity (ROE) | 7.7114% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.7114% | 1,724 |
| Net charge-offs to loans | -0.2251% | 4,607 |
| Credit loss provision to net charge-offs | -117.6471% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6008% | 3,615 |
| Assets per employee ($millions) | 7.1251% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 1,787 |
| Loan loss allowance to noncurrent loans | 55.7884% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 183 |
| Noncurrent loans to loans | 2.4969% | 228 |
| Net loans and leases to total assets | 69.4225% | 1,354 |
| Net loans and leases to deposits | 80.3686% | 1,359 |
| Net loans and leases to core deposits | 95.6261% | 845 |
| Total domestic deposits to total assets | 86.3801% | 3,148 |
| Equity capital to assets | 11.6401% | 985 |
| Core capital (leverage) ratio | 11.0105% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2586% | 1,372 |
| Memoranda: | ||
| Average total assets | $100,607,333 | 3,982 |
| Average earning assets | $94,518,000 | 3,965 |
| Average equity | $12,993,667 | 3,681 |
| Average total loans | $75,507,000 | 3,526 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 523 |
| Cost of funding earning assets | 0.7955% | 92 |
| Net interest margin | 3.3968% | 1,305 |
| Noninterest income to average assets | 0.4472% | 2,406 |
| Noninterest expense to average assets | 2.5173% | 1,845 |
| Loan and lease loss provision to assets | 0.1278% | 645 |
| Net operating income to assets | 0.7411% | 2,887 |
| Return on assets (ROA) | 0.7411% | 2,882 |
| Pretax return on assets | 0.9669% | 2,547 |
| Return on Equity (ROE) | 5.4140% | 3,508 |
| Retained earnings to average equity (ytd only) | 5.4140% | 2,439 |
| Net charge-offs to loans | -0.0602% | 4,322 |
| Credit loss provision to net charge-offs | -272.7273% | 3,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5660% | 2,823 |
| Assets per employee ($millions) | 6.0893% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,360 |
| Loan loss allowance to noncurrent loans | 45.5951% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.5639% | 87 |
| Noncurrent loans to loans | 2.8531% | 194 |
| Net loans and leases to total assets | 75.7708% | 521 |
| Net loans and leases to deposits | 89.7925% | 523 |
| Net loans and leases to core deposits | 112.8570% | 210 |
| Total domestic deposits to total assets | 84.3844% | 3,678 |
| Equity capital to assets | 13.2837% | 638 |
| Core capital (leverage) ratio | 12.6665% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7904% | 1,310 |
| Memoranda: | ||
| Average total assets | $93,910,000 | 4,061 |
| Average earning assets | $87,494,500 | 4,051 |
| Average equity | $12,855,500 | 3,775 |
| Average total loans | $73,130,000 | 3,569 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 319 |
| Cost of funding earning assets | 0.8786% | 135 |
| Net interest margin | 3.9897% | 727 |
| Noninterest income to average assets | 1.3015% | 633 |
| Noninterest expense to average assets | 2.8887% | 1,178 |
| Loan and lease loss provision to assets | 0.4132% | 159 |
| Net operating income to assets | 1.3267% | 1,531 |
| Return on assets (ROA) | 1.3267% | 1,569 |
| Pretax return on assets | 1.7100% | 1,119 |
| Return on Equity (ROE) | 9.1866% | 2,839 |
| Retained earnings to average equity (ytd only) | 4.8555% | 2,838 |
| Net charge-offs to loans | -0.0470% | 4,303 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1562% | 3,915 |
| Assets per employee ($millions) | 5.3172% | 3,457 |
| Cash dividends to net income (ytd only)* | 47.1453% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,332 |
| Loan loss allowance to noncurrent loans | 48.0433% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 2.5356% | 101 |
| Noncurrent loans to loans | 2.7174% | 237 |
| Net loans and leases to total assets | 78.0290% | 374 |
| Net loans and leases to deposits | 93.6605% | 399 |
| Net loans and leases to core deposits | 120.2612% | 161 |
| Total domestic deposits to total assets | 83.3105% | 3,740 |
| Equity capital to assets | 14.1263% | 639 |
| Core capital (leverage) ratio | 12.8662% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4643% | 1,169 |
| Memoranda: | ||
| Average total assets | $87,132,000 | 4,132 |
| Average earning assets | $81,034,200 | 4,115 |
| Average equity | $12,583,600 | 3,870 |
| Average total loans | $68,090,400 | 3,682 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 427 |
| Cost of funding earning assets | 0.8839% | 166 |
| Net interest margin | 3.8962% | 945 |
| Noninterest income to average assets | 1.4751% | 559 |
| Noninterest expense to average assets | 2.8530% | 1,212 |
| Loan and lease loss provision to assets | 0.4171% | 147 |
| Net operating income to assets | 1.4226% | 1,465 |
| Return on assets (ROA) | 1.4226% | 1,533 |
| Pretax return on assets | 1.8273% | 1,100 |
| Return on Equity (ROE) | 9.7946% | 2,810 |
| Retained earnings to average equity (ytd only) | 6.8700% | 2,467 |
| Net charge-offs to loans | -0.0436% | 4,287 |
| Credit loss provision to net charge-offs | -1,227.2727% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4242% | 3,995 |
| Assets per employee ($millions) | 5.2644% | 3,439 |
| Cash dividends to net income (ytd only)* | 29.8588% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,333 |
| Loan loss allowance to noncurrent loans | 34.4642% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.7007% | 111 |
| Noncurrent loans to loans | 3.2583% | 186 |
| Net loans and leases to total assets | 81.9563% | 192 |
| Net loans and leases to deposits | 98.7945% | 253 |
| Net loans and leases to core deposits | 127.3987% | 135 |
| Total domestic deposits to total assets | 82.9564% | 3,720 |
| Equity capital to assets | 14.3071% | 667 |
| Core capital (leverage) ratio | 13.4053% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6373% | 1,209 |
| Memoranda: | ||
| Average total assets | $86,317,000 | 4,191 |
| Average earning assets | $80,246,500 | 4,179 |
| Average equity | $12,537,250 | 3,931 |
| Average total loans | $67,246,750 | 3,756 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 480 |
| Cost of funding earning assets | 0.9082% | 179 |
| Net interest margin | 3.8698% | 1,028 |
| Noninterest income to average assets | 1.8086% | 387 |
| Noninterest expense to average assets | 2.8736% | 1,200 |
| Loan and lease loss provision to assets | 0.4222% | 139 |
| Net operating income to assets | 1.6468% | 960 |
| Return on assets (ROA) | 1.6468% | 1,009 |
| Pretax return on assets | 2.1112% | 673 |
| Return on Equity (ROE) | 11.2786% | 2,308 |
| Retained earnings to average equity (ytd only) | 8.1457% | 2,027 |
| Net charge-offs to loans | 0.0308% | 1,355 |
| Credit loss provision to net charge-offs | 1,800.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 715 |
| Efficiency ratio | 49.6746% | 4,259 |
| Assets per employee ($millions) | 5.4232% | 3,219 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,557 |
| Loan loss allowance to noncurrent loans | 29.3025% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 2.7924% | 106 |
| Noncurrent loans to loans | 3.6418% | 170 |
| Net loans and leases to total assets | 75.8583% | 603 |
| Net loans and leases to deposits | 89.2806% | 696 |
| Net loans and leases to core deposits | 114.8503% | 279 |
| Total domestic deposits to total assets | 84.9662% | 3,108 |
| Equity capital to assets | 14.5959% | 600 |
| Core capital (leverage) ratio | 13.2958% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6954% | 859 |
| Memoranda: | ||
| Average total assets | $85,258,000 | 4,224 |
| Average earning assets | $79,280,333 | 4,217 |
| Average equity | $12,448,333 | 3,949 |
| Average total loans | $64,936,000 | 3,816 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 401 |
| Cost of funding earning assets | 0.9275% | 195 |
| Net interest margin | 3.9952% | 845 |
| Noninterest income to average assets | 2.3432% | 289 |
| Noninterest expense to average assets | 2.9443% | 1,076 |
| Loan and lease loss provision to assets | 0.4260% | 172 |
| Net operating income to assets | 2.1017% | 492 |
| Return on assets (ROA) | 2.1017% | 531 |
| Pretax return on assets | 2.6840% | 338 |
| Return on Equity (ROE) | 14.3922% | 1,347 |
| Retained earnings to average equity (ytd only) | 11.7990% | 1,204 |
| Net charge-offs to loans | 0.1684% | 481 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,179 |
| Efficiency ratio | 45.5043% | 4,497 |
| Assets per employee ($millions) | 5.0819% | 3,545 |
| Cash dividends to net income (ytd only)* | 18.0180% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,085 |
| Loan loss allowance to noncurrent loans | 26.2837% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.6600% | 137 |
| Noncurrent loans to loans | 3.5230% | 185 |
| Net loans and leases to total assets | 74.8044% | 737 |
| Net loans and leases to deposits | 88.0990% | 820 |
| Net loans and leases to core deposits | 113.4767% | 335 |
| Total domestic deposits to total assets | 84.9095% | 3,138 |
| Equity capital to assets | 14.4944% | 570 |
| Core capital (leverage) ratio | 13.5605% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5156% | 852 |
| Memoranda: | ||
| Average total assets | $84,501,500 | 4,250 |
| Average earning assets | $78,493,500 | 4,242 |
| Average equity | $12,340,000 | 3,964 |
| Average total loans | $64,137,500 | 3,839 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8888% | 108 |
| Cost of funding earning assets | 1.2284% | 249 |
| Net interest margin | 4.6604% | 235 |
| Noninterest income to average assets | 1.0013% | 1,038 |
| Noninterest expense to average assets | 3.1101% | 1,209 |
| Loan and lease loss provision to assets | 0.5244% | 445 |
| Net operating income to assets | 1.2535% | 1,375 |
| Return on assets (ROA) | 1.2535% | 1,484 |
| Pretax return on assets | 1.6156% | 1,046 |
| Return on Equity (ROE) | 8.3766% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.7711% | 2,936 |
| Net charge-offs to loans | 0.0555% | 1,987 |
| Credit loss provision to net charge-offs | 1,200.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 48.9714% | 1,221 |
| Efficiency ratio | 55.1962% | 4,076 |
| Assets per employee ($millions) | 4.8595% | 3,537 |
| Cash dividends to net income (ytd only)* | 54.9801% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,307 |
| Loan loss allowance to noncurrent loans | 23.3693% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 3.0638% | 116 |
| Noncurrent loans to loans | 3.6719% | 173 |
| Net loans and leases to total assets | 75.6618% | 827 |
| Net loans and leases to deposits | 89.4808% | 962 |
| Net loans and leases to core deposits | 118.2508% | 335 |
| Total domestic deposits to total assets | 84.5565% | 2,930 |
| Equity capital to assets | 14.7172% | 623 |
| Core capital (leverage) ratio | 13.4077% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1362% | 1,032 |
| Memoranda: | ||
| Average total assets | $80,095,000 | 4,242 |
| Average earning assets | $73,019,800 | 4,255 |
| Average equity | $11,985,800 | 3,978 |
| Average total loans | $63,108,800 | 3,862 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0817% | 97 |
| Cost of funding earning assets | 1.3015% | 244 |
| Net interest margin | 4.7802% | 212 |
| Noninterest income to average assets | 1.0470% | 950 |
| Noninterest expense to average assets | 3.0671% | 1,297 |
| Loan and lease loss provision to assets | 0.5034% | 577 |
| Net operating income to assets | 1.4111% | 1,075 |
| Return on assets (ROA) | 1.4111% | 1,169 |
| Pretax return on assets | 1.8087% | 763 |
| Return on Equity (ROE) | 9.3890% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.9010% | 2,599 |
| Net charge-offs to loans | -0.1626% | 4,901 |
| Credit loss provision to net charge-offs | -389.6104% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9632% | 4,255 |
| Assets per employee ($millions) | 4.7842% | 3,507 |
| Cash dividends to net income (ytd only)* | 47.8002% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 4,239 |
| Loan loss allowance to noncurrent loans | 21.2182% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.3542% | 114 |
| Noncurrent loans to loans | 3.9822% | 166 |
| Net loans and leases to total assets | 76.9033% | 974 |
| Net loans and leases to deposits | 91.3122% | 1,128 |
| Net loans and leases to core deposits | 121.6063% | 382 |
| Total domestic deposits to total assets | 84.2202% | 2,750 |
| Equity capital to assets | 14.9326% | 651 |
| Core capital (leverage) ratio | 13.6067% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4491% | 846 |
| Memoranda: | ||
| Average total assets | $79,466,000 | 4,258 |
| Average earning assets | $72,017,250 | 4,276 |
| Average equity | $11,942,750 | 3,991 |
| Average total loans | $63,124,500 | 3,879 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1907% | 117 |
| Cost of funding earning assets | 1.3919% | 233 |
| Net interest margin | 4.7989% | 283 |
| Noninterest income to average assets | 1.0223% | 945 |
| Noninterest expense to average assets | 3.2013% | 1,154 |
| Loan and lease loss provision to assets | 0.4566% | 840 |
| Net operating income to assets | 1.3419% | 1,244 |
| Return on assets (ROA) | 1.3419% | 1,341 |
| Pretax return on assets | 1.7199% | 960 |
| Return on Equity (ROE) | 8.9092% | 2,394 |
| Retained earnings to average equity (ytd only) | 6.5177% | 1,854 |
| Net charge-offs to loans | -0.0317% | 4,560 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3302% | 4,026 |
| Assets per employee ($millions) | 8.1009% | 931 |
| Cash dividends to net income (ytd only)* | 26.8431% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5381% | 4,799 |
| Loan loss allowance to noncurrent loans | 12.7066% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 3.3614% | 121 |
| Noncurrent loans to loans | 4.2350% | 147 |
| Net loans and leases to total assets | 78.9443% | 731 |
| Net loans and leases to deposits | 93.6107% | 997 |
| Net loans and leases to core deposits | 124.7381% | 337 |
| Total domestic deposits to total assets | 84.3326% | 2,620 |
| Equity capital to assets | 14.9280% | 628 |
| Core capital (leverage) ratio | 13.4537% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8349% | 933 |
| Memoranda: | ||
| Average total assets | $78,844,000 | 4,270 |
| Average earning assets | $71,558,667 | 4,281 |
| Average equity | $11,875,333 | 3,998 |
| Average total loans | $63,139,333 | 3,893 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4242% | 91 |
| Cost of funding earning assets | 1.5152% | 249 |
| Net interest margin | 4.9090% | 228 |
| Noninterest income to average assets | 0.8230% | 1,244 |
| Noninterest expense to average assets | 3.1738% | 1,476 |
| Loan and lease loss provision to assets | 0.3601% | 855 |
| Net operating income to assets | 1.3529% | 1,099 |
| Return on assets (ROA) | 1.3529% | 1,183 |
| Pretax return on assets | 1.7386% | 798 |
| Return on Equity (ROE) | 8.9406% | 2,136 |
| Retained earnings to average equity (ytd only) | 4.1134% | 2,638 |
| Net charge-offs to loans | 0.0192% | 1,982 |
| Credit loss provision to net charge-offs | 2,333.3333% | 311 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 463 |
| Efficiency ratio | 55.9024% | 4,214 |
| Assets per employee ($millions) | 4.5947% | 3,135 |
| Cash dividends to net income (ytd only)* | 53.9924% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3540% | 4,970 |
| Loan loss allowance to noncurrent loans | 8.4056% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 3.3965% | 148 |
| Noncurrent loans to loans | 4.2114% | 173 |
| Net loans and leases to total assets | 80.3649% | 657 |
| Net loans and leases to deposits | 98.4690% | 661 |
| Net loans and leases to core deposits | 146.3411% | 130 |
| Total domestic deposits to total assets | 81.6144% | 3,519 |
| Equity capital to assets | 15.1415% | 735 |
| Core capital (leverage) ratio | 13.8803% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1579% | 1,125 |
| Memoranda: | ||
| Average total assets | $77,761,500 | 4,295 |
| Average earning assets | $70,483,500 | 4,305 |
| Average equity | $11,766,500 | 4,025 |
| Average total loans | $62,560,000 | 3,912 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9971% | 5,053 |
| Cost of funding earning assets | 0.6583% | 3,372 |
| Net interest margin | 2.3387% | 5,026 |
| Noninterest income to average assets | 0.2822% | 3,995 |
| Noninterest expense to average assets | 1.3677% | 5,054 |
| Loan and lease loss provision to assets | 0.1959% | 1,036 |
| Net operating income to assets | 0.6558% | 4,000 |
| Return on assets (ROA) | 0.6558% | 4,071 |
| Pretax return on assets | 0.8439% | 3,895 |
| Return on Equity (ROE) | 3.8403% | 4,504 |
| Retained earnings to average equity (ytd only) | 3.0064% | 3,526 |
| Net charge-offs to loans | -0.0096% | 4,461 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7944% | 4,542 |
| Assets per employee ($millions) | 4.3007% | 3,506 |
| Cash dividends to net income (ytd only)* | 21.7131% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2511% | 5,070 |
| Loan loss allowance to noncurrent loans | 11.2635% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.8292% | 469 |
| Noncurrent loans to loans | 2.2294% | 549 |
| Net loans and leases to total assets | 80.0486% | 783 |
| Net loans and leases to deposits | 95.0051% | 1,050 |
| Net loans and leases to core deposits | 148.7042% | 127 |
| Total domestic deposits to total assets | 84.2572% | 2,767 |
| Equity capital to assets | 15.1215% | 765 |
| Core capital (leverage) ratio | 13.4346% | 1,073 |
| Tier 1 risk-based capital ratio | 17.7612% | 1,820 |
| Total risk-based capital ratio | 18.0332% | 2,066 |
| Memoranda: | ||
| Average total assets | $76,550,800 | 4,343 |
| Average earning assets | $69,568,200 | 4,349 |
| Average equity | $13,072,000 | 3,883 |
| Average total loans | $62,292,800 | 3,943 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5853% | 5,237 |
| Cost of funding earning assets | 0.3359% | 4,706 |
| Net interest margin | 1.2494% | 5,231 |
| Noninterest income to average assets | 0.1432% | 4,825 |
| Noninterest expense to average assets | 0.6882% | 5,231 |
| Loan and lease loss provision to assets | 0.1048% | 1,839 |
| Net operating income to assets | 0.3808% | 4,752 |
| Return on assets (ROA) | 0.3808% | 4,778 |
| Pretax return on assets | 0.4873% | 4,708 |
| Return on Equity (ROE) | 2.1669% | 4,878 |
| Retained earnings to average equity (ytd only) | 2.1669% | 4,214 |
| Net charge-offs to loans | -0.0107% | 4,393 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6589% | 4,766 |
| Assets per employee ($millions) | 4.3096% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1025% | 5,181 |
| Loan loss allowance to noncurrent loans | 4.2345% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.0187% | 433 |
| Noncurrent loans to loans | 2.4201% | 493 |
| Net loans and leases to total assets | 81.6818% | 606 |
| Net loans and leases to deposits | 98.4188% | 774 |
| Net loans and leases to core deposits | 158.0992% | 96 |
| Total domestic deposits to total assets | 82.9941% | 3,173 |
| Equity capital to assets | 14.8647% | 883 |
| Core capital (leverage) ratio | 13.9153% | 1,007 |
| Tier 1 risk-based capital ratio | 17.2379% | 2,013 |
| Total risk-based capital ratio | 17.3502% | 2,335 |
| Memoranda: | ||
| Average total assets | $76,335,250 | 4,398 |
| Average earning assets | $69,469,750 | 4,407 |
| Average equity | $13,413,500 | 3,864 |
| Average total loans | $62,335,000 | 3,984 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3623% | 139 |
| Cost of funding earning assets | 1.4380% | 471 |
| Net interest margin | 4.9244% | 338 |
| Noninterest income to average assets | 0.7745% | 1,428 |
| Noninterest expense to average assets | 2.9030% | 2,274 |
| Loan and lease loss provision to assets | 0.8561% | 114 |
| Net operating income to assets | 1.1881% | 2,192 |
| Return on assets (ROA) | 1.1881% | 2,256 |
| Pretax return on assets | 1.4989% | 1,865 |
| Return on Equity (ROE) | 6.4240% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.4240% | 2,091 |
| Net charge-offs to loans | 0.1807% | 909 |
| Credit loss provision to net charge-offs | 580.3571% | 542 |
| Earnings coverage of net charge-offs (x) | 15.9643% | 1,958 |
| Efficiency ratio | 55.2104% | 4,346 |
| Assets per employee ($millions) | 3.6296% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1643% | 350 |
| Loan loss allowance to noncurrent loans | 82.9949% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 4.8044% | 80 |
| Noncurrent loans to loans | 2.6078% | 432 |
| Net loans and leases to total assets | 77.5721% | 1,298 |
| Net loans and leases to deposits | 95.8329% | 1,058 |
| Net loans and leases to core deposits | 120.7881% | 522 |
| Total domestic deposits to total assets | 80.9451% | 3,828 |
| Equity capital to assets | 18.7243% | 312 |
| Core capital (leverage) ratio | 19.2602% | 262 |
| Tier 1 risk-based capital ratio | 25.2298% | 737 |
| Total risk-based capital ratio | 26.4920% | 723 |
| Memoranda: | ||
| Average total assets | $75,922,670 | 4,439 |
| Average earning assets | $69,125,670 | 4,447 |
| Average equity | $14,041,000 | 3,783 |
| Average total loans | $61,970,670 | 4,009 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5975% | 106 |
| Cost of funding earning assets | 1.4113% | 438 |
| Net interest margin | 5.1862% | 205 |
| Noninterest income to average assets | 0.7021% | 1,608 |
| Noninterest expense to average assets | 2.8559% | 2,396 |
| Loan and lease loss provision to assets | 1.1878% | 71 |
| Net operating income to assets | 1.1033% | 2,449 |
| Return on assets (ROA) | 1.1033% | 2,499 |
| Pretax return on assets | 1.3725% | 2,178 |
| Return on Equity (ROE) | 6.0034% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.0034% | 2,454 |
| Net charge-offs to loans | -0.0893% | 4,999 |
| Credit loss provision to net charge-offs | -1,607.1429% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7290% | 4,638 |
| Assets per employee ($millions) | 3.5939% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0674% | 438 |
| Loan loss allowance to noncurrent loans | 89.6213% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 4.5938% | 78 |
| Noncurrent loans to loans | 2.3068% | 591 |
| Net loans and leases to total assets | 80.2125% | 808 |
| Net loans and leases to deposits | 98.8230% | 717 |
| Net loans and leases to core deposits | 125.5272% | 390 |
| Total domestic deposits to total assets | 81.1679% | 3,937 |
| Equity capital to assets | 18.5897% | 304 |
| Core capital (leverage) ratio | 18.6972% | 290 |
| Tier 1 risk-based capital ratio | 23.4733% | 893 |
| Total risk-based capital ratio | 24.7331% | 864 |
| Memoranda: | ||
| Average total assets | $75,773,000 | 4,487 |
| Average earning assets | $68,875,000 | 4,499 |
| Average equity | $13,925,500 | 3,813 |
| Average total loans | $62,738,500 | 4,037 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4687% | 91 |
| Cost of funding earning assets | 1.2289% | 300 |
| Net interest margin | 5.2398% | 177 |
| Noninterest income to average assets | 0.9001% | 1,178 |
| Noninterest expense to average assets | 2.9367% | 2,225 |
| Loan and lease loss provision to assets | 0.7523% | 133 |
| Net operating income to assets | 1.5382% | 1,025 |
| Return on assets (ROA) | 1.5382% | 1,016 |
| Pretax return on assets | 1.9654% | 602 |
| Return on Equity (ROE) | 8.6161% | 3,174 |
| Retained earnings to average equity (ytd only) | 8.6161% | 1,008 |
| Net charge-offs to loans | 1.6243% | 68 |
| Credit loss provision to net charge-offs | 54.4747% | 3,149 |
| Earnings coverage of net charge-offs (x) | 1.9679% | 3,570 |
| Efficiency ratio | 51.9363% | 4,805 |
| Assets per employee ($millions) | 3.8037% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 961 |
| Loan loss allowance to noncurrent loans | 43.1299% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 5.9245% | 52 |
| Noncurrent loans to loans | 3.7841% | 208 |
| Net loans and leases to total assets | 82.3172% | 613 |
| Net loans and leases to deposits | 100.7984% | 683 |
| Net loans and leases to core deposits | 126.7395% | 383 |
| Total domestic deposits to total assets | 81.6652% | 3,731 |
| Equity capital to assets | 18.1678% | 328 |
| Core capital (leverage) ratio | 18.2951% | 309 |
| Tier 1 risk-based capital ratio | 22.2138% | 999 |
| Total risk-based capital ratio | 23.4675% | 978 |
| Memoranda: | ||
| Average total assets | $74,436,400 | 4,521 |
| Average earning assets | $67,540,600 | 4,533 |
| Average equity | $13,289,000 | 3,845 |
| Average total loans | $63,290,200 | 4,016 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4455% | 91 |
| Cost of funding earning assets | 1.1579% | 314 |
| Net interest margin | 5.2877% | 151 |
| Noninterest income to average assets | 0.9060% | 1,181 |
| Noninterest expense to average assets | 2.9880% | 2,047 |
| Loan and lease loss provision to assets | 0.6484% | 157 |
| Net operating income to assets | 1.6390% | 866 |
| Return on assets (ROA) | 1.6390% | 872 |
| Pretax return on assets | 2.0731% | 520 |
| Return on Equity (ROE) | 9.2224% | 2,990 |
| Retained earnings to average equity (ytd only) | 9.2224% | 1,142 |
| Net charge-offs to loans | 0.5042% | 308 |
| Credit loss provision to net charge-offs | 150.6276% | 1,701 |
| Earnings coverage of net charge-offs (x) | 6.3222% | 2,892 |
| Efficiency ratio | 52.3344% | 4,775 |
| Assets per employee ($millions) | 3.7973% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4758% | 256 |
| Loan loss allowance to noncurrent loans | 551.8644% | 996 |
| Noncurrent assets plus other real estate owned to assets | 3.3867% | 182 |
| Noncurrent loans to loans | 0.4486% | 3,049 |
| Net loans and leases to total assets | 84.4414% | 405 |
| Net loans and leases to deposits | 104.2867% | 533 |
| Net loans and leases to core deposits | 130.7234% | 317 |
| Total domestic deposits to total assets | 80.9704% | 3,877 |
| Equity capital to assets | 17.8893% | 342 |
| Core capital (leverage) ratio | 18.3818% | 302 |
| Tier 1 risk-based capital ratio | 21.4240% | 1,127 |
| Total risk-based capital ratio | 22.6902% | 1,108 |
| Memoranda: | ||
| Average total assets | $74,027,000 | 4,576 |
| Average earning assets | $67,249,000 | 4,585 |
| Average equity | $13,156,000 | 3,891 |
| Average total loans | $63,197,500 | 4,063 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3065% | 96 |
| Cost of funding earning assets | 1.0947% | 296 |
| Net interest margin | 5.2118% | 165 |
| Noninterest income to average assets | 0.9348% | 1,091 |
| Noninterest expense to average assets | 2.9923% | 2,060 |
| Loan and lease loss provision to assets | 0.3543% | 363 |
| Net operating income to assets | 1.8314% | 545 |
| Return on assets (ROA) | 1.8314% | 546 |
| Pretax return on assets | 2.3110% | 320 |
| Return on Equity (ROE) | 10.3284% | 2,410 |
| Retained earnings to average equity (ytd only) | 10.3284% | 831 |
| Net charge-offs to loans | 0.5357% | 276 |
| Credit loss provision to net charge-offs | 77.8443% | 2,279 |
| Earnings coverage of net charge-offs (x) | 5.8563% | 2,679 |
| Efficiency ratio | 52.8902% | 4,797 |
| Assets per employee ($millions) | 3.6377% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3132% | 311 |
| Loan loss allowance to noncurrent loans | 394.8925% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 3.7427% | 163 |
| Noncurrent loans to loans | 0.5858% | 2,666 |
| Net loans and leases to total assets | 85.2668% | 329 |
| Net loans and leases to deposits | 104.7871% | 493 |
| Net loans and leases to core deposits | 132.7009% | 284 |
| Total domestic deposits to total assets | 81.3715% | 3,901 |
| Equity capital to assets | 18.3468% | 301 |
| Core capital (leverage) ratio | 18.2689% | 303 |
| Tier 1 risk-based capital ratio | 21.5346% | 1,097 |
| Total risk-based capital ratio | 22.7978% | 1,071 |
| Memoranda: | ||
| Average total assets | $73,387,670 | 4,630 |
| Average earning assets | $66,503,330 | 4,650 |
| Average equity | $13,012,670 | 3,932 |
| Average total loans | $62,344,330 | 4,109 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3751% | 83 |
| Cost of funding earning assets | 1.0815% | 248 |
| Net interest margin | 5.2936% | 140 |
| Noninterest income to average assets | 0.8195% | 1,391 |
| Noninterest expense to average assets | 2.9686% | 2,145 |
| Loan and lease loss provision to assets | 0.3256% | 381 |
| Net operating income to assets | 1.8344% | 526 |
| Return on assets (ROA) | 1.8344% | 527 |
| Pretax return on assets | 2.3065% | 312 |
| Return on Equity (ROE) | 10.5255% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.5255% | 1,010 |
| Net charge-offs to loans | -0.0065% | 4,093 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0039% | 4,882 |
| Assets per employee ($millions) | 3.7031% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 235 |
| Loan loss allowance to noncurrent loans | 288.2353% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 4.1398% | 150 |
| Noncurrent loans to loans | 0.8968% | 2,030 |
| Net loans and leases to total assets | 79.7859% | 967 |
| Net loans and leases to deposits | 97.1732% | 928 |
| Net loans and leases to core deposits | 122.3416% | 515 |
| Total domestic deposits to total assets | 82.1069% | 3,927 |
| Equity capital to assets | 17.5718% | 350 |
| Core capital (leverage) ratio | 17.7230% | 326 |
| Tier 1 risk-based capital ratio | 21.4940% | 1,122 |
| Total risk-based capital ratio | 22.7592% | 1,101 |
| Memoranda: | ||
| Average total assets | $73,704,500 | 4,678 |
| Average earning assets | $66,571,500 | 4,706 |
| Average equity | $12,845,000 | 3,987 |
| Average total loans | $61,764,500 | 4,159 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3144% | 94 |
| Cost of funding earning assets | 1.0952% | 132 |
| Net interest margin | 5.2192% | 165 |
| Noninterest income to average assets | 0.8872% | 1,309 |
| Noninterest expense to average assets | 3.0422% | 2,037 |
| Loan and lease loss provision to assets | 0.2353% | 817 |
| Net operating income to assets | 1.6083% | 641 |
| Return on assets (ROA) | 1.6083% | 656 |
| Pretax return on assets | 2.4512% | 193 |
| Return on Equity (ROE) | 9.3857% | 2,146 |
| Retained earnings to average equity (ytd only) | 8.1741% | 699 |
| Net charge-offs to loans | 0.1129% | 1,932 |
| Credit loss provision to net charge-offs | 242.8571% | 1,138 |
| Earnings coverage of net charge-offs (x) | 27.7286% | 1,626 |
| Efficiency ratio | 53.1046% | 5,023 |
| Assets per employee ($millions) | 3.6763% | 4,470 |
| Cash dividends to net income (ytd only)* | 12.9088% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3970% | 282 |
| Loan loss allowance to noncurrent loans | 342.5000% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 4.4883% | 118 |
| Noncurrent loans to loans | 0.6999% | 2,456 |
| Net loans and leases to total assets | 83.4587% | 501 |
| Net loans and leases to deposits | 101.3377% | 633 |
| Net loans and leases to core deposits | 126.4669% | 421 |
| Total domestic deposits to total assets | 82.3570% | 3,772 |
| Equity capital to assets | 17.4825% | 359 |
| Core capital (leverage) ratio | 17.2581% | 355 |
| Tier 1 risk-based capital ratio | 20.8189% | 1,172 |
| Total risk-based capital ratio | 22.0822% | 1,148 |
| Memoranda: | ||
| Average total assets | $72,250,600 | 4,743 |
| Average earning assets | $67,021,400 | 4,724 |
| Average equity | $12,380,600 | 4,073 |
| Average total loans | $62,001,200 | 4,152 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1892% | 109 |
| Cost of funding earning assets | 1.0715% | 131 |
| Net interest margin | 5.1178% | 185 |
| Noninterest income to average assets | 0.9064% | 1,253 |
| Noninterest expense to average assets | 3.0065% | 2,091 |
| Loan and lease loss provision to assets | 0.2039% | 926 |
| Net operating income to assets | 1.6219% | 681 |
| Return on assets (ROA) | 1.6219% | 702 |
| Pretax return on assets | 2.4856% | 211 |
| Return on Equity (ROE) | 9.5141% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.5141% | 701 |
| Net charge-offs to loans | 0.1338% | 1,458 |
| Credit loss provision to net charge-offs | 177.4194% | 1,492 |
| Earnings coverage of net charge-offs (x) | 23.4045% | 1,815 |
| Efficiency ratio | 52.7823% | 5,042 |
| Assets per employee ($millions) | 3.9117% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2056% | 398 |
| Loan loss allowance to noncurrent loans | 92.5573% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 2.4407% | 458 |
| Noncurrent loans to loans | 2.3830% | 657 |
| Net loans and leases to total assets | 86.7995% | 212 |
| Net loans and leases to deposits | 109.8581% | 276 |
| Net loans and leases to core deposits | 138.5954% | 218 |
| Total domestic deposits to total assets | 79.0105% | 4,529 |
| Equity capital to assets | 17.1105% | 413 |
| Core capital (leverage) ratio | 17.6033% | 330 |
| Tier 1 risk-based capital ratio | 20.3202% | 1,303 |
| Total risk-based capital ratio | 21.5825% | 1,278 |
| Memoranda: | ||
| Average total assets | $71,932,000 | 4,793 |
| Average earning assets | $67,319,500 | 4,767 |
| Average equity | $12,262,250 | 4,132 |
| Average total loans | $61,784,000 | 4,199 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0453% | 117 |
| Cost of funding earning assets | 1.0746% | 115 |
| Net interest margin | 4.9707% | 232 |
| Noninterest income to average assets | 0.8856% | 1,316 |
| Noninterest expense to average assets | 3.0084% | 2,088 |
| Loan and lease loss provision to assets | 0.1687% | 1,164 |
| Net operating income to assets | 1.5379% | 803 |
| Return on assets (ROA) | 1.5379% | 825 |
| Pretax return on assets | 2.3645% | 270 |
| Return on Equity (ROE) | 9.0334% | 2,496 |
| Retained earnings to average equity (ytd only) | 9.0334% | 830 |
| Net charge-offs to loans | 0.2020% | 999 |
| Credit loss provision to net charge-offs | 98.3607% | 2,052 |
| Earnings coverage of net charge-offs (x) | 14.7705% | 2,053 |
| Efficiency ratio | 54.2872% | 4,997 |
| Assets per employee ($millions) | 3.7568% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2896% | 378 |
| Loan loss allowance to noncurrent loans | 755.9140% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 2,772 |
| Noncurrent loans to loans | 0.3029% | 3,951 |
| Net loans and leases to total assets | 84.0586% | 444 |
| Net loans and leases to deposits | 102.0547% | 609 |
| Net loans and leases to core deposits | 127.7895% | 347 |
| Total domestic deposits to total assets | 82.3662% | 3,781 |
| Equity capital to assets | 17.3564% | 378 |
| Core capital (leverage) ratio | 17.4623% | 330 |
| Tier 1 risk-based capital ratio | 20.9926% | 1,184 |
| Total risk-based capital ratio | 22.2550% | 1,156 |
| Memoranda: | ||
| Average total assets | $71,135,000 | 4,841 |
| Average earning assets | $66,630,000 | 4,814 |
| Average equity | $12,110,670 | 4,164 |
| Average total loans | $60,389,670 | 4,253 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9805% | 127 |
| Cost of funding earning assets | 1.1397% | 75 |
| Net interest margin | 4.8408% | 294 |
| Noninterest income to average assets | 0.8280% | 1,461 |
| Noninterest expense to average assets | 2.9910% | 2,184 |
| Loan and lease loss provision to assets | 0.1690% | 1,053 |
| Net operating income to assets | 1.4645% | 872 |
| Return on assets (ROA) | 1.4645% | 897 |
| Pretax return on assets | 2.2137% | 350 |
| Return on Equity (ROE) | 8.6873% | 2,573 |
| Retained earnings to average equity (ytd only) | 8.6873% | 1,194 |
| Net charge-offs to loans | 0.1002% | 1,371 |
| Credit loss provision to net charge-offs | 200.0000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 1,258 |
| Efficiency ratio | 55.6604% | 4,973 |
| Assets per employee ($millions) | 3.7240% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4128% | 349 |
| Loan loss allowance to noncurrent loans | 230.8442% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 2,127 |
| Noncurrent loans to loans | 1.0452% | 1,967 |
| Net loans and leases to total assets | 81.2850% | 660 |
| Net loans and leases to deposits | 98.5386% | 724 |
| Net loans and leases to core deposits | 125.2074% | 338 |
| Total domestic deposits to total assets | 82.4905% | 4,019 |
| Equity capital to assets | 17.1024% | 375 |
| Core capital (leverage) ratio | 17.0061% | 361 |
| Tier 1 risk-based capital ratio | 20.8796% | 1,232 |
| Total risk-based capital ratio | 22.1444% | 1,209 |
| Memoranda: | ||
| Average total assets | $71,012,500 | 4,898 |
| Average earning assets | $66,683,500 | 4,864 |
| Average equity | $11,971,500 | 4,217 |
| Average total loans | $59,881,000 | 4,305 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1454% | 104 |
| Cost of funding earning assets | 1.1097% | 94 |
| Net interest margin | 5.0357% | 234 |
| Noninterest income to average assets | 0.7209% | 2,074 |
| Noninterest expense to average assets | 2.7165% | 3,295 |
| Loan and lease loss provision to assets | 0.1645% | 1,501 |
| Net operating income to assets | 1.6571% | 600 |
| Return on assets (ROA) | 1.6571% | 627 |
| Pretax return on assets | 2.5233% | 192 |
| Return on Equity (ROE) | 10.6689% | 1,701 |
| Retained earnings to average equity (ytd only) | 9.3452% | 518 |
| Net charge-offs to loans | 0.1183% | 2,072 |
| Credit loss provision to net charge-offs | 166.6667% | 1,656 |
| Earnings coverage of net charge-offs (x) | 27.2361% | 1,520 |
| Efficiency ratio | 50.2663% | 5,474 |
| Assets per employee ($millions) | 3.5635% | 4,662 |
| Cash dividends to net income (ytd only)* | 12.4069% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3132% | 389 |
| Loan loss allowance to noncurrent loans | 493.6842% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,667 |
| Noncurrent loans to loans | 0.4685% | 3,470 |
| Net loans and leases to total assets | 83.3729% | 443 |
| Net loans and leases to deposits | 100.2159% | 656 |
| Net loans and leases to core deposits | 127.1729% | 322 |
| Total domestic deposits to total assets | 83.1933% | 3,699 |
| Equity capital to assets | 16.6159% | 429 |
| Core capital (leverage) ratio | 16.3992% | 412 |
| Tier 1 risk-based capital ratio | 20.3258% | 1,320 |
| Total risk-based capital ratio | 21.5891% | 1,290 |
| Memoranda: | ||
| Average total assets | $72,960,600 | 4,869 |
| Average earning assets | $67,855,600 | 4,852 |
| Average equity | $11,332,000 | 4,372 |
| Average total loans | $60,882,600 | 4,268 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0852% | 109 |
| Cost of funding earning assets | 1.1151% | 83 |
| Net interest margin | 4.9701% | 267 |
| Noninterest income to average assets | 0.7213% | 2,076 |
| Noninterest expense to average assets | 2.6581% | 3,469 |
| Loan and lease loss provision to assets | 0.1635% | 1,401 |
| Net operating income to assets | 1.6243% | 692 |
| Return on assets (ROA) | 1.6243% | 735 |
| Pretax return on assets | 2.5073% | 214 |
| Return on Equity (ROE) | 10.6383% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.6383% | 468 |
| Net charge-offs to loans | 0.1620% | 1,408 |
| Credit loss provision to net charge-offs | 121.6216% | 2,070 |
| Earnings coverage of net charge-offs (x) | 19.8657% | 1,910 |
| Efficiency ratio | 49.8807% | 5,509 |
| Assets per employee ($millions) | 4.0916% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1501% | 554 |
| Loan loss allowance to noncurrent loans | 250.9124% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 2,699 |
| Noncurrent loans to loans | 0.8569% | 2,543 |
| Net loans and leases to total assets | 84.9638% | 330 |
| Net loans and leases to deposits | 105.8494% | 380 |
| Net loans and leases to core deposits | 133.6273% | 251 |
| Total domestic deposits to total assets | 80.2686% | 4,448 |
| Equity capital to assets | 15.8549% | 575 |
| Core capital (leverage) ratio | 16.6705% | 391 |
| Tier 1 risk-based capital ratio | 18.1495% | 1,872 |
| Total risk-based capital ratio | 19.4100% | 1,842 |
| Memoranda: | ||
| Average total assets | $73,383,500 | 4,898 |
| Average earning assets | $68,032,500 | 4,886 |
| Average equity | $11,204,500 | 4,435 |
| Average total loans | $60,896,750 | 4,297 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0451% | 120 |
| Cost of funding earning assets | 1.2380% | 45 |
| Net interest margin | 4.8071% | 362 |
| Noninterest income to average assets | 0.7013% | 2,138 |
| Noninterest expense to average assets | 2.6823% | 3,444 |
| Loan and lease loss provision to assets | 0.1637% | 1,376 |
| Net operating income to assets | 1.4899% | 911 |
| Return on assets (ROA) | 1.4899% | 954 |
| Pretax return on assets | 2.2839% | 316 |
| Return on Equity (ROE) | 9.8850% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.8850% | 627 |
| Net charge-offs to loans | 0.1837% | 1,242 |
| Credit loss provision to net charge-offs | 109.0909% | 1,977 |
| Earnings coverage of net charge-offs (x) | 16.3091% | 1,934 |
| Efficiency ratio | 52.2872% | 5,429 |
| Assets per employee ($millions) | 3.8423% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2295% | 523 |
| Loan loss allowance to noncurrent loans | 78.0320% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 2.5780% | 521 |
| Noncurrent loans to loans | 2.8571% | 537 |
| Net loans and leases to total assets | 86.4882% | 217 |
| Net loans and leases to deposits | 103.8472% | 469 |
| Net loans and leases to core deposits | 130.3970% | 303 |
| Total domestic deposits to total assets | 83.2842% | 3,547 |
| Equity capital to assets | 16.3804% | 496 |
| Core capital (leverage) ratio | 15.9534% | 467 |
| Tier 1 risk-based capital ratio | 18.8675% | 1,721 |
| Total risk-based capital ratio | 20.1299% | 1,686 |
| Memoranda: | ||
| Average total assets | $73,295,000 | 4,951 |
| Average earning assets | $67,525,670 | 4,944 |
| Average equity | $11,047,000 | 4,490 |
| Average total loans | $59,879,000 | 4,355 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9147% | 136 |
| Cost of funding earning assets | 1.3694% | 26 |
| Net interest margin | 4.5453% | 559 |
| Noninterest income to average assets | 0.6475% | 2,279 |
| Noninterest expense to average assets | 2.6061% | 3,733 |
| Loan and lease loss provision to assets | 0.1592% | 1,310 |
| Net operating income to assets | 1.3057% | 1,237 |
| Return on assets (ROA) | 1.3057% | 1,317 |
| Pretax return on assets | 2.0223% | 540 |
| Return on Equity (ROE) | 9.0226% | 2,415 |
| Retained earnings to average equity (ytd only) | 9.0226% | 1,110 |
| Net charge-offs to loans | 0.0338% | 2,291 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 82.2000% | 625 |
| Efficiency ratio | 54.4346% | 5,347 |
| Assets per employee ($millions) | 4.5757% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3997% | 442 |
| Loan loss allowance to noncurrent loans | 107.2037% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8112% | 1,020 |
| Noncurrent loans to loans | 2.2385% | 908 |
| Net loans and leases to total assets | 76.8860% | 1,269 |
| Net loans and leases to deposits | 92.3043% | 1,303 |
| Net loans and leases to core deposits | 118.8183% | 500 |
| Total domestic deposits to total assets | 83.2962% | 3,793 |
| Equity capital to assets | 15.0647% | 676 |
| Core capital (leverage) ratio | 14.8353% | 636 |
| Tier 1 risk-based capital ratio | 19.3410% | 1,647 |
| Total risk-based capital ratio | 20.6054% | 1,609 |
| Memoranda: | ||
| Average total assets | $75,361,500 | 4,949 |
| Average earning assets | $68,642,500 | 4,964 |
| Average equity | $10,906,000 | 4,527 |
| Average total loans | $59,228,000 | 4,398 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3126% | 95 |
| Cost of funding earning assets | 1.2668% | 41 |
| Net interest margin | 5.0458% | 232 |
| Noninterest income to average assets | 0.6353% | 2,536 |
| Noninterest expense to average assets | 2.6729% | 3,681 |
| Loan and lease loss provision to assets | 0.1582% | 1,469 |
| Net operating income to assets | 1.6132% | 684 |
| Return on assets (ROA) | 1.6132% | 711 |
| Pretax return on assets | 2.4818% | 215 |
| Return on Equity (ROE) | 11.9013% | 1,329 |
| Retained earnings to average equity (ytd only) | 10.4428% | 402 |
| Net charge-offs to loans | 0.0746% | 2,760 |
| Credit loss provision to net charge-offs | 244.8980% | 1,170 |
| Earnings coverage of net charge-offs (x) | 40.8776% | 1,159 |
| Efficiency ratio | 50.3101% | 5,745 |
| Assets per employee ($millions) | 4.3062% | 3,370 |
| Cash dividends to net income (ytd only)* | 12.2549% | 4,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 562 |
| Loan loss allowance to noncurrent loans | 110.2190% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.7068% | 1,137 |
| Noncurrent loans to loans | 2.0285% | 1,022 |
| Net loans and leases to total assets | 76.6643% | 1,308 |
| Net loans and leases to deposits | 90.4723% | 1,555 |
| Net loans and leases to core deposits | 120.4817% | 464 |
| Total domestic deposits to total assets | 84.7378% | 3,197 |
| Equity capital to assets | 13.9114% | 962 |
| Core capital (leverage) ratio | 14.4816% | 717 |
| Tier 1 risk-based capital ratio | 17.7527% | 2,037 |
| Total risk-based capital ratio | 19.0138% | 1,983 |
| Memoranda: | ||
| Average total assets | $75,873,000 | 4,952 |
| Average earning assets | $70,335,800 | 4,932 |
| Average equity | $10,284,600 | 4,604 |
| Average total loans | $65,642,400 | 4,214 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2179% | 104 |
| Cost of funding earning assets | 1.2695% | 43 |
| Net interest margin | 4.9483% | 287 |
| Noninterest income to average assets | 0.6237% | 2,619 |
| Noninterest expense to average assets | 2.5690% | 3,983 |
| Loan and lease loss provision to assets | 0.1590% | 1,349 |
| Net operating income to assets | 1.6626% | 674 |
| Return on assets (ROA) | 1.6626% | 693 |
| Pretax return on assets | 2.5442% | 225 |
| Return on Equity (ROE) | 12.3488% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.3488% | 330 |
| Net charge-offs to loans | 0.0917% | 2,250 |
| Credit loss provision to net charge-offs | 195.6522% | 1,360 |
| Earnings coverage of net charge-offs (x) | 33.2619% | 1,399 |
| Efficiency ratio | 48.7265% | 5,837 |
| Assets per employee ($millions) | 4.4382% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 999 |
| Loan loss allowance to noncurrent loans | 395.2522% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 3,603 |
| Noncurrent loans to loans | 0.4906% | 3,878 |
| Net loans and leases to total assets | 89.2830% | 82 |
| Net loans and leases to deposits | 110.0863% | 253 |
| Net loans and leases to core deposits | 151.7857% | 104 |
| Total domestic deposits to total assets | 81.1027% | 4,451 |
| Equity capital to assets | 14.1153% | 981 |
| Core capital (leverage) ratio | 14.4736% | 745 |
| Tier 1 risk-based capital ratio | 16.2906% | 2,677 |
| Total risk-based capital ratio | 17.5495% | 2,620 |
| Memoranda: | ||
| Average total assets | $75,463,250 | 5,015 |
| Average earning assets | $70,890,500 | 4,975 |
| Average equity | $10,160,000 | 4,686 |
| Average total loans | $66,857,250 | 4,214 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1314% | 114 |
| Cost of funding earning assets | 1.2648% | 46 |
| Net interest margin | 4.8666% | 319 |
| Noninterest income to average assets | 0.5963% | 2,766 |
| Noninterest expense to average assets | 2.6077% | 3,877 |
| Loan and lease loss provision to assets | 0.1590% | 1,337 |
| Net operating income to assets | 1.5583% | 816 |
| Return on assets (ROA) | 1.5583% | 844 |
| Pretax return on assets | 2.3878% | 294 |
| Return on Equity (ROE) | 11.7639% | 1,446 |
| Retained earnings to average equity (ytd only) | 11.7639% | 420 |
| Net charge-offs to loans | 0.0181% | 3,335 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 160.1667% | 414 |
| Efficiency ratio | 50.5913% | 5,824 |
| Assets per employee ($millions) | 4.1661% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 1,021 |
| Loan loss allowance to noncurrent loans | 310.6481% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 3,471 |
| Noncurrent loans to loans | 0.6364% | 3,565 |
| Net loans and leases to total assets | 88.7330% | 105 |
| Net loans and leases to deposits | 106.2261% | 371 |
| Net loans and leases to core deposits | 148.4241% | 116 |
| Total domestic deposits to total assets | 83.5323% | 3,748 |
| Equity capital to assets | 13.7313% | 1,082 |
| Core capital (leverage) ratio | 14.1111% | 811 |
| Tier 1 risk-based capital ratio | 15.8430% | 2,930 |
| Total risk-based capital ratio | 17.1016% | 2,886 |
| Memoranda: | ||
| Average total assets | $75,467,670 | 5,066 |
| Average earning assets | $70,685,670 | 5,026 |
| Average equity | $9,996,670 | 4,751 |
| Average total loans | $66,244,330 | 4,266 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0051% | 127 |
| Cost of funding earning assets | 1.2586% | 49 |
| Net interest margin | 4.7465% | 383 |
| Noninterest income to average assets | 0.5336% | 3,062 |
| Noninterest expense to average assets | 2.5519% | 4,093 |
| Loan and lease loss provision to assets | 0.1585% | 1,281 |
| Net operating income to assets | 1.4530% | 932 |
| Return on assets (ROA) | 1.4530% | 994 |
| Pretax return on assets | 2.2666% | 341 |
| Return on Equity (ROE) | 11.1715% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.1715% | 692 |
| Net charge-offs to loans | -0.0306% | 5,262 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2739% | 5,845 |
| Assets per employee ($millions) | 3.9497% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0413% | 1,006 |
| Loan loss allowance to noncurrent loans | 247.2897% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 3,146 |
| Noncurrent loans to loans | 0.8255% | 3,179 |
| Net loans and leases to total assets | 84.6037% | 278 |
| Net loans and leases to deposits | 99.7737% | 575 |
| Net loans and leases to core deposits | 138.3797% | 163 |
| Total domestic deposits to total assets | 84.7956% | 3,517 |
| Equity capital to assets | 13.3042% | 1,259 |
| Core capital (leverage) ratio | 13.4793% | 979 |
| Tier 1 risk-based capital ratio | 16.3201% | 2,773 |
| Total risk-based capital ratio | 17.5804% | 2,707 |
| Memoranda: | ||
| Average total assets | $75,707,000 | 5,115 |
| Average earning assets | $70,873,500 | 5,071 |
| Average equity | $9,846,500 | 4,815 |
| Average total loans | $65,425,500 | 4,312 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3657% | 99 |
| Cost of funding earning assets | 1.2477% | 67 |
| Net interest margin | 5.1179% | 245 |
| Noninterest income to average assets | 0.6573% | 2,516 |
| Noninterest expense to average assets | 2.7601% | 3,639 |
| Loan and lease loss provision to assets | 0.1003% | 2,483 |
| Net operating income to assets | 1.6669% | 616 |
| Return on assets (ROA) | 1.6669% | 642 |
| Pretax return on assets | 2.5666% | 168 |
| Return on Equity (ROE) | 12.9829% | 1,142 |
| Retained earnings to average equity (ytd only) | 11.3560% | 347 |
| Net charge-offs to loans | 0.0727% | 3,444 |
| Credit loss provision to net charge-offs | 160.0000% | 1,508 |
| Earnings coverage of net charge-offs (x) | 42.5556% | 1,031 |
| Efficiency ratio | 50.8596% | 6,047 |
| Assets per employee ($millions) | 4.0195% | 3,911 |
| Cash dividends to net income (ytd only)* | 12.5313% | 4,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9504% | 1,201 |
| Loan loss allowance to noncurrent loans | 298.8399% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 3,915 |
| Noncurrent loans to loans | 0.6527% | 3,727 |
| Net loans and leases to total assets | 84.7846% | 293 |
| Net loans and leases to deposits | 105.1768% | 390 |
| Net loans and leases to core deposits | 162.8357% | 73 |
| Total domestic deposits to total assets | 80.6115% | 4,854 |
| Equity capital to assets | 12.7131% | 1,528 |
| Core capital (leverage) ratio | 13.3624% | 1,013 |
| Tier 1 risk-based capital ratio | 15.2951% | 3,318 |
| Total risk-based capital ratio | 16.5553% | 3,266 |
| Memoranda: | ||
| Average total assets | $71,808,200 | 5,237 |
| Average earning assets | $66,921,400 | 5,203 |
| Average equity | $9,219,800 | 4,917 |
| Average total loans | $61,869,000 | 4,433 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3696% | 101 |
| Cost of funding earning assets | 1.2626% | 68 |
| Net interest margin | 5.1070% | 244 |
| Noninterest income to average assets | 0.6717% | 2,468 |
| Noninterest expense to average assets | 2.7376% | 3,685 |
| Loan and lease loss provision to assets | 0.1019% | 2,331 |
| Net operating income to assets | 1.6962% | 619 |
| Return on assets (ROA) | 1.6962% | 647 |
| Pretax return on assets | 2.6018% | 180 |
| Return on Equity (ROE) | 13.1755% | 1,178 |
| Retained earnings to average equity (ytd only) | 13.1755% | 310 |
| Net charge-offs to loans | 0.0044% | 4,550 |
| Credit loss provision to net charge-offs | 2,700.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 715.5880% | 103 |
| Efficiency ratio | 50.3121% | 6,084 |
| Assets per employee ($millions) | 3.7485% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 1,160 |
| Loan loss allowance to noncurrent loans | 338.4021% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 4,233 |
| Noncurrent loans to loans | 0.6066% | 4,110 |
| Net loans and leases to total assets | 87.9656% | 115 |
| Net loans and leases to deposits | 104.6976% | 373 |
| Net loans and leases to core deposits | 161.4774% | 77 |
| Total domestic deposits to total assets | 84.0188% | 3,755 |
| Equity capital to assets | 13.4244% | 1,219 |
| Core capital (leverage) ratio | 13.7780% | 904 |
| Tier 1 risk-based capital ratio | 16.0360% | 3,043 |
| Total risk-based capital ratio | 17.2973% | 2,991 |
| Memoranda: | ||
| Average total assets | $70,667,750 | 5,324 |
| Average earning assets | $65,999,250 | 5,283 |
| Average equity | $9,097,500 | 4,987 |
| Average total loans | $60,826,750 | 4,506 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1908% | 118 |
| Cost of funding earning assets | 1.2351% | 77 |
| Net interest margin | 4.9557% | 308 |
| Noninterest income to average assets | 0.6470% | 2,562 |
| Noninterest expense to average assets | 2.6616% | 4,013 |
| Loan and lease loss provision to assets | 0.1022% | 2,312 |
| Net operating income to assets | 1.6117% | 688 |
| Return on assets (ROA) | 1.6117% | 715 |
| Pretax return on assets | 2.5056% | 205 |
| Return on Equity (ROE) | 12.7027% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.7027% | 364 |
| Net charge-offs to loans | -0.0602% | 5,956 |
| Credit loss provision to net charge-offs | -200.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5116% | 6,147 |
| Assets per employee ($millions) | 3.7619% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 1,183 |
| Loan loss allowance to noncurrent loans | 330.4020% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 4,318 |
| Noncurrent loans to loans | 0.6339% | 4,126 |
| Net loans and leases to total assets | 86.0079% | 176 |
| Net loans and leases to deposits | 103.6643% | 377 |
| Net loans and leases to core deposits | 159.2823% | 78 |
| Total domestic deposits to total assets | 82.9677% | 4,316 |
| Equity capital to assets | 12.9134% | 1,418 |
| Core capital (leverage) ratio | 13.2218% | 1,076 |
| Tier 1 risk-based capital ratio | 15.8556% | 3,169 |
| Total risk-based capital ratio | 17.1182% | 3,097 |
| Memoranda: | ||
| Average total assets | $70,483,330 | 5,373 |
| Average earning assets | $65,743,000 | 5,328 |
| Average equity | $8,943,000 | 5,043 |
| Average total loans | $59,781,330 | 4,558 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1281% | 121 |
| Cost of funding earning assets | 1.2379% | 82 |
| Net interest margin | 4.8901% | 326 |
| Noninterest income to average assets | 0.6001% | 2,732 |
| Noninterest expense to average assets | 2.6405% | 4,147 |
| Loan and lease loss provision to assets | 0.1029% | 2,207 |
| Net operating income to assets | 1.5717% | 705 |
| Return on assets (ROA) | 1.5717% | 732 |
| Pretax return on assets | 2.3947% | 266 |
| Return on Equity (ROE) | 12.5007% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.5007% | 542 |
| Net charge-offs to loans | 0.0069% | 3,515 |
| Credit loss provision to net charge-offs | 1,800.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 437.0000% | 101 |
| Efficiency ratio | 51.3904% | 6,171 |
| Assets per employee ($millions) | 3.9498% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 1,213 |
| Loan loss allowance to noncurrent loans | 159.1532% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 2,991 |
| Noncurrent loans to loans | 1.3609% | 2,763 |
| Net loans and leases to total assets | 81.1919% | 434 |
| Net loans and leases to deposits | 93.9840% | 795 |
| Net loans and leases to core deposits | 141.8653% | 126 |
| Total domestic deposits to total assets | 86.3890% | 3,164 |
| Equity capital to assets | 12.5702% | 1,538 |
| Core capital (leverage) ratio | 12.8751% | 1,212 |
| Tier 1 risk-based capital ratio | 16.3331% | 2,987 |
| Total risk-based capital ratio | 17.5960% | 2,944 |
| Memoranda: | ||
| Average total assets | $69,987,000 | 5,448 |
| Average earning assets | $64,947,000 | 5,411 |
| Average equity | $8,799,500 | 5,105 |
| Average total loans | $58,277,000 | 4,643 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6303% | 86 |
| Cost of funding earning assets | 1.2372% | 147 |
| Net interest margin | 5.3930% | 158 |
| Noninterest income to average assets | 0.8141% | 2,009 |
| Noninterest expense to average assets | 3.0766% | 2,814 |
| Loan and lease loss provision to assets | 0.0981% | 3,159 |
| Net operating income to assets | 1.7116% | 570 |
| Return on assets (ROA) | 1.7116% | 585 |
| Pretax return on assets | 2.6418% | 171 |
| Return on Equity (ROE) | 12.7973% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.1862% | 301 |
| Net charge-offs to loans | -0.0113% | 6,036 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8949% | 6,222 |
| Assets per employee ($millions) | 4.0516% | 3,758 |
| Cash dividends to net income (ytd only)* | 4.7755% | 4,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1911% | 1,186 |
| Loan loss allowance to noncurrent loans | 189.0555% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9684% | 3,480 |
| Noncurrent loans to loans | 1.1590% | 3,225 |
| Net loans and leases to total assets | 81.7254% | 436 |
| Net loans and leases to deposits | 94.3719% | 851 |
| Net loans and leases to core deposits | 145.9765% | 112 |
| Total domestic deposits to total assets | 86.5993% | 2,938 |
| Equity capital to assets | 12.5760% | 1,477 |
| Core capital (leverage) ratio | 12.7662% | 1,230 |
| Tier 1 risk-based capital ratio | 15.8601% | 3,168 |
| Total risk-based capital ratio | 17.1235% | 3,121 |
| Memoranda: | ||
| Average total assets | $61,171,000 | 5,727 |
| Average earning assets | $56,739,800 | 5,685 |
| Average equity | $8,181,400 | 5,291 |
| Average total loans | $53,170,600 | 4,837 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5674% | 92 |
| Cost of funding earning assets | 1.1765% | 220 |
| Net interest margin | 5.3909% | 162 |
| Noninterest income to average assets | 0.8552% | 1,917 |
| Noninterest expense to average assets | 3.0157% | 2,936 |
| Loan and lease loss provision to assets | 0.1013% | 3,075 |
| Net operating income to assets | 1.7937% | 531 |
| Return on assets (ROA) | 1.7937% | 553 |
| Pretax return on assets | 2.7501% | 176 |
| Return on Equity (ROE) | 13.1821% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.1821% | 318 |
| Net charge-offs to loans | -0.0026% | 5,706 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4001% | 6,297 |
| Assets per employee ($millions) | 3.8576% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1495% | 1,413 |
| Loan loss allowance to noncurrent loans | 188.0303% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 3,641 |
| Noncurrent loans to loans | 1.1432% | 3,520 |
| Net loans and leases to total assets | 86.1436% | 146 |
| Net loans and leases to deposits | 99.3563% | 497 |
| Net loans and leases to core deposits | 154.0284% | 81 |
| Total domestic deposits to total assets | 86.7017% | 2,855 |
| Equity capital to assets | 12.9018% | 1,374 |
| Core capital (leverage) ratio | 13.4609% | 1,038 |
| Tier 1 risk-based capital ratio | 15.9419% | 3,225 |
| Total risk-based capital ratio | 17.2062% | 3,174 |
| Memoranda: | ||
| Average total assets | $59,244,500 | 5,840 |
| Average earning assets | $55,079,000 | 5,788 |
| Average equity | $8,061,250 | 5,376 |
| Average total loans | $52,075,500 | 4,926 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5803% | 89 |
| Cost of funding earning assets | 1.1406% | 273 |
| Net interest margin | 5.4397% | 147 |
| Noninterest income to average assets | 0.9347% | 1,704 |
| Noninterest expense to average assets | 3.1121% | 2,629 |
| Loan and lease loss provision to assets | 0.1050% | 3,037 |
| Net operating income to assets | 1.8168% | 500 |
| Return on assets (ROA) | 1.8168% | 537 |
| Pretax return on assets | 2.7760% | 185 |
| Return on Equity (ROE) | 13.0928% | 1,224 |
| Retained earnings to average equity (ytd only) | 13.0928% | 375 |
| Net charge-offs to loans | 0.0120% | 4,627 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 274.3333% | 185 |
| Efficiency ratio | 51.9276% | 6,283 |
| Assets per employee ($millions) | 3.2773% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3277% | 1,215 |
| Loan loss allowance to noncurrent loans | 1,164.7619% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 5,966 |
| Noncurrent loans to loans | 0.1998% | 5,814 |
| Net loans and leases to total assets | 86.9929% | 118 |
| Net loans and leases to deposits | 101.3469% | 361 |
| Net loans and leases to core deposits | 155.7403% | 82 |
| Total domestic deposits to total assets | 85.8368% | 3,449 |
| Equity capital to assets | 13.8733% | 1,002 |
| Core capital (leverage) ratio | 14.0238% | 818 |
| Tier 1 risk-based capital ratio | 16.3370% | 3,018 |
| Total risk-based capital ratio | 17.6026% | 2,966 |
| Memoranda: | ||
| Average total assets | $57,132,670 | 5,940 |
| Average earning assets | $53,128,000 | 5,891 |
| Average equity | $7,928,000 | 5,447 |
| Average total loans | $50,189,330 | 5,018 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5170% | 92 |
| Cost of funding earning assets | 1.0977% | 379 |
| Net interest margin | 5.4194% | 140 |
| Noninterest income to average assets | 0.8825% | 1,825 |
| Noninterest expense to average assets | 2.8397% | 3,575 |
| Loan and lease loss provision to assets | 0.1068% | 2,912 |
| Net operating income to assets | 1.9358% | 382 |
| Return on assets (ROA) | 1.9358% | 417 |
| Pretax return on assets | 2.9607% | 163 |
| Return on Equity (ROE) | 13.9487% | 972 |
| Retained earnings to average equity (ytd only) | 13.9487% | 457 |
| Net charge-offs to loans | 0.0408% | 3,465 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 86.2000% | 435 |
| Efficiency ratio | 48.0723% | 6,609 |
| Assets per employee ($millions) | 3.3522% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4221% | 1,212 |
| Loan loss allowance to noncurrent loans | 1,229.5918% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 6,056 |
| Noncurrent loans to loans | 0.1970% | 5,909 |
| Net loans and leases to total assets | 85.1861% | 156 |
| Net loans and leases to deposits | 99.5101% | 371 |
| Net loans and leases to core deposits | 150.9531% | 91 |
| Total domestic deposits to total assets | 85.6055% | 3,735 |
| Equity capital to assets | 13.9260% | 1,054 |
| Core capital (leverage) ratio | 14.2844% | 719 |
| Tier 1 risk-based capital ratio | 17.3989% | 2,601 |
| Total risk-based capital ratio | 18.6661% | 2,555 |
| Memoranda: | ||
| Average total assets | $56,203,500 | 6,015 |
| Average earning assets | $52,109,500 | 5,982 |
| Average equity | $7,800,000 | 5,540 |
| Average total loans | $49,013,500 | 5,093 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9563% | 78 |
| Cost of funding earning assets | 1.0880% | 949 |
| Net interest margin | 5.8683% | 95 |
| Noninterest income to average assets | 0.9967% | 1,545 |
| Noninterest expense to average assets | 3.1937% | 2,634 |
| Loan and lease loss provision to assets | 0.1712% | 3,479 |
| Net operating income to assets | 1.9858% | 363 |
| Return on assets (ROA) | 1.9858% | 400 |
| Pretax return on assets | 3.0492% | 139 |
| Return on Equity (ROE) | 13.4807% | 1,107 |
| Retained earnings to average equity (ytd only) | 3.7963% | 3,539 |
| Net charge-offs to loans | 0.0109% | 5,773 |
| Credit loss provision to net charge-offs | 1,800.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 338.6000% | 120 |
| Efficiency ratio | 49.7924% | 6,602 |
| Assets per employee ($millions) | 3.6947% | 4,576 |
| Cash dividends to net income (ytd only)* | 71.8391% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4753% | 1,155 |
| Loan loss allowance to noncurrent loans | 761.1465% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 5,838 |
| Noncurrent loans to loans | 0.3252% | 5,672 |
| Net loans and leases to total assets | 84.9549% | 176 |
| Net loans and leases to deposits | 99.6002% | 429 |
| Net loans and leases to core deposits | 148.2711% | 111 |
| Total domestic deposits to total assets | 85.2959% | 3,712 |
| Equity capital to assets | 13.8289% | 1,110 |
| Core capital (leverage) ratio | 13.6341% | 905 |
| Tier 1 risk-based capital ratio | 16.7585% | 2,766 |
| Total risk-based capital ratio | 18.0246% | 2,723 |
| Memoranda: | ||
| Average total assets | $52,572,000 | 6,132 |
| Average earning assets | $48,531,600 | 6,102 |
| Average equity | $7,744,400 | 5,574 |
| Average total loans | $45,666,200 | 5,263 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8960% | 86 |
| Cost of funding earning assets | 1.0669% | 1,210 |
| Net interest margin | 5.8291% | 113 |
| Noninterest income to average assets | 1.0232% | 1,447 |
| Noninterest expense to average assets | 3.0569% | 3,033 |
| Loan and lease loss provision to assets | 0.1748% | 3,387 |
| Net operating income to assets | 2.0825% | 342 |
| Return on assets (ROA) | 2.0825% | 384 |
| Pretax return on assets | 3.1854% | 132 |
| Return on Equity (ROE) | 13.9091% | 1,129 |
| Retained earnings to average equity (ytd only) | 13.9091% | 309 |
| Net charge-offs to loans | -0.0118% | 6,398 |
| Credit loss provision to net charge-offs | -1,700.0000% | 6,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6362% | 6,738 |
| Assets per employee ($millions) | 3.6549% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4470% | 1,271 |
| Loan loss allowance to noncurrent loans | 725.1534% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 5,784 |
| Noncurrent loans to loans | 0.3374% | 5,799 |
| Net loans and leases to total assets | 85.9532% | 149 |
| Net loans and leases to deposits | 106.2238% | 231 |
| Net loans and leases to core deposits | 156.5080% | 91 |
| Total domestic deposits to total assets | 80.9171% | 5,390 |
| Equity capital to assets | 14.9241% | 840 |
| Core capital (leverage) ratio | 15.3359% | 563 |
| Tier 1 risk-based capital ratio | 18.3832% | 2,205 |
| Total risk-based capital ratio | 19.6504% | 2,174 |
| Memoranda: | ||
| Average total assets | $51,860,000 | 6,224 |
| Average earning assets | $47,988,250 | 6,198 |
| Average equity | $7,764,500 | 5,621 |
| Average total loans | $45,013,500 | 5,344 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8023% | 100 |
| Cost of funding earning assets | 1.0459% | 1,496 |
| Net interest margin | 5.7565% | 124 |
| Noninterest income to average assets | 0.9671% | 1,553 |
| Noninterest expense to average assets | 3.0154% | 3,203 |
| Loan and lease loss provision to assets | 0.1769% | 3,330 |
| Net operating income to assets | 2.0168% | 387 |
| Return on assets (ROA) | 2.0168% | 438 |
| Pretax return on assets | 3.0980% | 143 |
| Return on Equity (ROE) | 13.4552% | 1,243 |
| Retained earnings to average equity (ytd only) | 13.4552% | 396 |
| Net charge-offs to loans | -0.0182% | 6,407 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9375% | 6,778 |
| Assets per employee ($millions) | 3.7820% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4394% | 1,365 |
| Loan loss allowance to noncurrent loans | 982.2034% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 6,221 |
| Noncurrent loans to loans | 0.2484% | 6,080 |
| Net loans and leases to total assets | 87.5444% | 93 |
| Net loans and leases to deposits | 103.3350% | 296 |
| Net loans and leases to core deposits | 142.3618% | 138 |
| Total domestic deposits to total assets | 84.7190% | 3,989 |
| Equity capital to assets | 14.8901% | 816 |
| Core capital (leverage) ratio | 14.8486% | 626 |
| Tier 1 risk-based capital ratio | 18.2627% | 2,210 |
| Total risk-based capital ratio | 19.5298% | 2,170 |
| Memoranda: | ||
| Average total assets | $50,872,000 | 6,296 |
| Average earning assets | $47,042,670 | 6,260 |
| Average equity | $7,625,330 | 5,680 |
| Average total loans | $43,916,330 | 5,433 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7096% | 130 |
| Cost of funding earning assets | 0.9672% | 2,179 |
| Net interest margin | 5.7424% | 129 |
| Noninterest income to average assets | 0.8990% | 1,753 |
| Noninterest expense to average assets | 2.9699% | 3,387 |
| Loan and lease loss provision to assets | 0.1766% | 3,203 |
| Net operating income to assets | 1.9986% | 419 |
| Return on assets (ROA) | 1.9986% | 479 |
| Pretax return on assets | 3.0421% | 177 |
| Return on Equity (ROE) | 13.2871% | 1,327 |
| Retained earnings to average equity (ytd only) | 13.2871% | 642 |
| Net charge-offs to loans | 0.0190% | 4,424 |
| Credit loss provision to net charge-offs | 1,100.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 200.5000% | 181 |
| Efficiency ratio | 47.9896% | 6,805 |
| Assets per employee ($millions) | 3.6912% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6182% | 1,203 |
| Loan loss allowance to noncurrent loans | 856.0606% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 5,825 |
| Noncurrent loans to loans | 0.3058% | 6,066 |
| Net loans and leases to total assets | 81.3321% | 315 |
| Net loans and leases to deposits | 95.9633% | 541 |
| Net loans and leases to core deposits | 124.2315% | 251 |
| Total domestic deposits to total assets | 84.7534% | 4,139 |
| Equity capital to assets | 14.7474% | 793 |
| Core capital (leverage) ratio | 15.6543% | 507 |
| Tier 1 risk-based capital ratio | 19.1651% | 1,942 |
| Total risk-based capital ratio | 20.4351% | 1,907 |
| Memoranda: | ||
| Average total assets | $49,834,000 | 6,372 |
| Average earning assets | $45,904,500 | 6,331 |
| Average equity | $7,496,000 | 5,738 |
| Average total loans | $42,118,500 | 5,546 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0401% | 90 |
| Cost of funding earning assets | 1.0824% | 2,791 |
| Net interest margin | 5.9577% | 92 |
| Noninterest income to average assets | 0.9370% | 1,547 |
| Noninterest expense to average assets | 3.2561% | 2,668 |
| Loan and lease loss provision to assets | 0.2544% | 3,665 |
| Net operating income to assets | 1.9588% | 332 |
| Return on assets (ROA) | 1.9588% | 355 |
| Pretax return on assets | 3.0038% | 123 |
| Return on Equity (ROE) | 12.6752% | 1,238 |
| Retained earnings to average equity (ytd only) | 5.8163% | 2,115 |
| Net charge-offs to loans | 0.0695% | 5,613 |
| Credit loss provision to net charge-offs | 428.5714% | 530 |
| Earnings coverage of net charge-offs (x) | 54.8929% | 518 |
| Efficiency ratio | 49.9837% | 6,833 |
| Assets per employee ($millions) | 3.4279% | 5,184 |
| Cash dividends to net income (ytd only)* | 54.1126% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7022% | 1,075 |
| Loan loss allowance to noncurrent loans | 324.5614% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 4,855 |
| Noncurrent loans to loans | 0.8326% | 5,021 |
| Net loans and leases to total assets | 83.2802% | 250 |
| Net loans and leases to deposits | 105.2456% | 270 |
| Net loans and leases to core deposits | 127.2389% | 268 |
| Total domestic deposits to total assets | 79.1294% | 5,963 |
| Equity capital to assets | 15.3591% | 703 |
| Core capital (leverage) ratio | 15.9552% | 466 |
| Tier 1 risk-based capital ratio | 19.9405% | 1,657 |
| Total risk-based capital ratio | 21.2120% | 1,621 |
| Memoranda: | ||
| Average total assets | $47,172,800 | 6,452 |
| Average earning assets | $44,161,400 | 6,381 |
| Average equity | $7,289,800 | 5,784 |
| Average total loans | $40,267,200 | 5,682 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9575% | 103 |
| Cost of funding earning assets | 1.1386% | 2,707 |
| Net interest margin | 5.8189% | 111 |
| Noninterest income to average assets | 0.9340% | 1,536 |
| Noninterest expense to average assets | 3.3100% | 2,466 |
| Loan and lease loss provision to assets | 0.2555% | 3,464 |
| Net operating income to assets | 1.8764% | 447 |
| Return on assets (ROA) | 1.8764% | 486 |
| Pretax return on assets | 2.8671% | 156 |
| Return on Equity (ROE) | 12.1234% | 1,520 |
| Retained earnings to average equity (ytd only) | 12.1234% | 488 |
| Net charge-offs to loans | 0.0433% | 5,553 |
| Credit loss provision to net charge-offs | 692.3077% | 389 |
| Earnings coverage of net charge-offs (x) | 84.6295% | 418 |
| Efficiency ratio | 51.4563% | 6,729 |
| Assets per employee ($millions) | 3.2991% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6514% | 1,202 |
| Loan loss allowance to noncurrent loans | 295.9459% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 4,985 |
| Noncurrent loans to loans | 0.8959% | 5,072 |
| Net loans and leases to total assets | 87.0443% | 104 |
| Net loans and leases to deposits | 105.2571% | 274 |
| Net loans and leases to core deposits | 121.9190% | 342 |
| Total domestic deposits to total assets | 82.6968% | 4,797 |
| Equity capital to assets | 16.4740% | 550 |
| Core capital (leverage) ratio | 16.3568% | 461 |
| Tier 1 risk-based capital ratio | 20.7709% | 1,505 |
| Total risk-based capital ratio | 22.0430% | 1,472 |
| Memoranda: | ||
| Average total assets | $46,968,250 | 6,510 |
| Average earning assets | $44,382,750 | 6,443 |
| Average equity | $7,269,500 | 5,824 |
| Average total loans | $40,064,750 | 5,741 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7548% | 148 |
| Cost of funding earning assets | 1.1804% | 2,706 |
| Net interest margin | 5.5744% | 162 |
| Noninterest income to average assets | 0.9316% | 1,530 |
| Noninterest expense to average assets | 3.2608% | 2,701 |
| Loan and lease loss provision to assets | 0.2541% | 3,374 |
| Net operating income to assets | 1.7532% | 545 |
| Return on assets (ROA) | 1.7532% | 585 |
| Pretax return on assets | 2.6764% | 194 |
| Return on Equity (ROE) | 11.5702% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.5702% | 581 |
| Net charge-offs to loans | 0.1009% | 4,671 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 830 |
| Efficiency ratio | 52.6676% | 6,747 |
| Assets per employee ($millions) | 3.2623% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6055% | 1,307 |
| Loan loss allowance to noncurrent loans | 289.0710% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 1.3181% | 4,271 |
| Noncurrent loans to loans | 0.9013% | 5,162 |
| Net loans and leases to total assets | 86.5913% | 119 |
| Net loans and leases to deposits | 104.0846% | 315 |
| Net loans and leases to core deposits | 120.6615% | 403 |
| Total domestic deposits to total assets | 83.1932% | 4,677 |
| Equity capital to assets | 16.1171% | 600 |
| Core capital (leverage) ratio | 15.9609% | 512 |
| Tier 1 risk-based capital ratio | 20.2247% | 1,567 |
| Total risk-based capital ratio | 21.4941% | 1,537 |
| Memoranda: | ||
| Average total assets | $47,228,330 | 6,558 |
| Average earning assets | $44,561,000 | 6,489 |
| Average equity | $7,156,330 | 5,880 |
| Average total loans | $39,653,330 | 5,815 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5718% | 189 |
| Cost of funding earning assets | 1.2173% | 2,703 |
| Net interest margin | 5.3545% | 206 |
| Noninterest income to average assets | 0.9249% | 1,566 |
| Noninterest expense to average assets | 2.9663% | 3,784 |
| Loan and lease loss provision to assets | 0.2500% | 3,156 |
| Net operating income to assets | 1.7748% | 517 |
| Return on assets (ROA) | 1.7748% | 545 |
| Pretax return on assets | 2.7663% | 185 |
| Return on Equity (ROE) | 12.0783% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.0783% | 727 |
| Net charge-offs to loans | 0.1838% | 3,391 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 20.1111% | 1,116 |
| Efficiency ratio | 49.5822% | 7,016 |
| Assets per employee ($millions) | 3.1871% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7265% | 1,180 |
| Loan loss allowance to noncurrent loans | 322.8840% | 960 |
| Noncurrent assets plus other real estate owned to assets | 1.1609% | 4,620 |
| Noncurrent loans to loans | 0.8444% | 5,357 |
| Net loans and leases to total assets | 76.8669% | 892 |
| Net loans and leases to deposits | 91.3423% | 1,078 |
| Net loans and leases to core deposits | 103.5039% | 1,095 |
| Total domestic deposits to total assets | 84.1526% | 4,428 |
| Equity capital to assets | 14.9772% | 776 |
| Core capital (leverage) ratio | 15.0654% | 654 |
| Tier 1 risk-based capital ratio | 21.3974% | 1,326 |
| Total risk-based capital ratio | 22.6705% | 1,299 |
| Memoranda: | ||
| Average total assets | $48,006,500 | 6,585 |
| Average earning assets | $45,345,000 | 6,508 |
| Average equity | $7,054,000 | 5,916 |
| Average total loans | $39,177,000 | 5,887 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0557% | 138 |
| Cost of funding earning assets | 1.5876% | 2,144 |
| Net interest margin | 5.4681% | 183 |
| Noninterest income to average assets | 0.8566% | 2,025 |
| Noninterest expense to average assets | 3.2410% | 2,948 |
| Loan and lease loss provision to assets | 0.2589% | 4,716 |
| Net operating income to assets | 1.6593% | 561 |
| Return on assets (ROA) | 1.6593% | 606 |
| Pretax return on assets | 2.5591% | 170 |
| Return on Equity (ROE) | 11.1816% | 1,530 |
| Retained earnings to average equity (ytd only) | 5.3654% | 2,204 |
| Net charge-offs to loans | 0.1724% | 5,287 |
| Credit loss provision to net charge-offs | 179.1045% | 1,848 |
| Earnings coverage of net charge-offs (x) | 19.4925% | 1,057 |
| Efficiency ratio | 53.4900% | 6,851 |
| Assets per employee ($millions) | 3.2138% | 5,636 |
| Cash dividends to net income (ytd only)* | 52.0156% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5088% | 1,399 |
| Loan loss allowance to noncurrent loans | 225.7206% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 4,984 |
| Noncurrent loans to loans | 1.1115% | 4,883 |
| Net loans and leases to total assets | 82.0607% | 446 |
| Net loans and leases to deposits | 97.4624% | 756 |
| Net loans and leases to core deposits | 110.3090% | 902 |
| Total domestic deposits to total assets | 84.1973% | 4,276 |
| Equity capital to assets | 14.4128% | 926 |
| Core capital (leverage) ratio | 14.0372% | 839 |
| Tier 1 risk-based capital ratio | 19.2151% | 1,670 |
| Total risk-based capital ratio | 20.4845% | 1,632 |
| Memoranda: | ||
| Average total assets | $46,344,400 | 6,656 |
| Average earning assets | $44,092,200 | 6,576 |
| Average equity | $6,877,400 | 6,081 |
| Average total loans | $38,864,400 | 5,971 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0773% | 135 |
| Cost of funding earning assets | 1.5853% | 2,473 |
| Net interest margin | 5.4920% | 176 |
| Noninterest income to average assets | 0.8021% | 2,226 |
| Noninterest expense to average assets | 3.1125% | 3,285 |
| Loan and lease loss provision to assets | 0.2616% | 4,491 |
| Net operating income to assets | 1.7262% | 593 |
| Return on assets (ROA) | 1.7262% | 645 |
| Pretax return on assets | 2.6533% | 182 |
| Return on Equity (ROE) | 11.5453% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.5453% | 519 |
| Net charge-offs to loans | 0.1214% | 5,333 |
| Credit loss provision to net charge-offs | 257.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 28.6544% | 910 |
| Efficiency ratio | 51.6393% | 7,016 |
| Assets per employee ($millions) | 3.4830% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4438% | 1,407 |
| Loan loss allowance to noncurrent loans | 443.0435% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 6,247 |
| Noncurrent loans to loans | 0.5516% | 6,099 |
| Net loans and leases to total assets | 83.4236% | 371 |
| Net loans and leases to deposits | 100.9379% | 589 |
| Net loans and leases to core deposits | 113.5555% | 858 |
| Total domestic deposits to total assets | 82.6484% | 4,734 |
| Equity capital to assets | 14.7082% | 965 |
| Core capital (leverage) ratio | 15.2898% | 663 |
| Tier 1 risk-based capital ratio | 19.8313% | 1,584 |
| Total risk-based capital ratio | 21.1005% | 1,547 |
| Memoranda: | ||
| Average total assets | $45,878,750 | 6,744 |
| Average earning assets | $43,650,500 | 6,674 |
| Average equity | $6,859,750 | 6,159 |
| Average total loans | $38,436,250 | 6,075 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9632% | 162 |
| Cost of funding earning assets | 1.6148% | 2,578 |
| Net interest margin | 5.3484% | 226 |
| Noninterest income to average assets | 0.8326% | 1,957 |
| Noninterest expense to average assets | 3.1168% | 3,234 |
| Loan and lease loss provision to assets | 0.2672% | 4,251 |
| Net operating income to assets | 1.6697% | 617 |
| Return on assets (ROA) | 1.6697% | 666 |
| Pretax return on assets | 2.5513% | 215 |
| Return on Equity (ROE) | 11.1018% | 1,716 |
| Retained earnings to average equity (ytd only) | 11.1018% | 634 |
| Net charge-offs to loans | 0.1767% | 4,554 |
| Credit loss provision to net charge-offs | 181.8182% | 2,161 |
| Earnings coverage of net charge-offs (x) | 19.1818% | 1,264 |
| Efficiency ratio | 52.5131% | 7,027 |
| Assets per employee ($millions) | 3.5528% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3809% | 1,453 |
| Loan loss allowance to noncurrent loans | 401.6194% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 6,132 |
| Noncurrent loans to loans | 0.5928% | 6,060 |
| Net loans and leases to total assets | 88.0635% | 128 |
| Net loans and leases to deposits | 104.2016% | 475 |
| Net loans and leases to core deposits | 115.5549% | 861 |
| Total domestic deposits to total assets | 84.5126% | 3,862 |
| Equity capital to assets | 15.0543% | 867 |
| Core capital (leverage) ratio | 15.5388% | 630 |
| Tier 1 risk-based capital ratio | 18.8884% | 1,746 |
| Total risk-based capital ratio | 20.1570% | 1,711 |
| Memoranda: | ||
| Average total assets | $44,917,670 | 6,836 |
| Average earning assets | $42,854,000 | 6,745 |
| Average equity | $6,755,670 | 6,217 |
| Average total loans | $37,349,000 | 6,176 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7298% | 250 |
| Cost of funding earning assets | 1.6564% | 2,616 |
| Net interest margin | 5.0734% | 362 |
| Noninterest income to average assets | 0.7858% | 2,089 |
| Noninterest expense to average assets | 3.1524% | 3,044 |
| Loan and lease loss provision to assets | 0.2710% | 3,860 |
| Net operating income to assets | 1.4272% | 1,020 |
| Return on assets (ROA) | 1.4272% | 1,089 |
| Pretax return on assets | 2.2040% | 415 |
| Return on Equity (ROE) | 9.4938% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.4938% | 1,272 |
| Net charge-offs to loans | 0.3183% | 3,140 |
| Credit loss provision to net charge-offs | 107.1429% | 3,206 |
| Earnings coverage of net charge-offs (x) | 9.7857% | 1,808 |
| Efficiency ratio | 56.0193% | 6,756 |
| Assets per employee ($millions) | 3.3838% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6516% | 1,125 |
| Loan loss allowance to noncurrent loans | 193.7876% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 4,893 |
| Noncurrent loans to loans | 1.3683% | 4,687 |
| Net loans and leases to total assets | 80.7024% | 746 |
| Net loans and leases to deposits | 95.8140% | 1,130 |
| Net loans and leases to core deposits | 101.2694% | 1,996 |
| Total domestic deposits to total assets | 84.2282% | 4,031 |
| Equity capital to assets | 15.3126% | 807 |
| Core capital (leverage) ratio | 15.1279% | 730 |
| Tier 1 risk-based capital ratio | 20.7376% | 1,385 |
| Total risk-based capital ratio | 22.0091% | 1,355 |
| Memoranda: | ||
| Average total assets | $44,283,500 | 6,939 |
| Average earning assets | $42,259,500 | 6,850 |
| Average equity | $6,657,000 | 6,304 |
| Average total loans | $35,191,000 | 6,359 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2072% | 205 |
| Cost of funding earning assets | 2.1184% | 2,375 |
| Net interest margin | 5.0888% | 372 |
| Noninterest income to average assets | 0.9876% | 1,619 |
| Noninterest expense to average assets | 3.3520% | 2,827 |
| Loan and lease loss provision to assets | 0.2709% | 5,244 |
| Net operating income to assets | 1.4285% | 804 |
| Return on assets (ROA) | 1.4285% | 859 |
| Pretax return on assets | 2.2043% | 271 |
| Return on Equity (ROE) | 8.9330% | 2,051 |
| Retained earnings to average equity (ytd only) | 4.6975% | 1,975 |
| Net charge-offs to loans | 0.2112% | 5,305 |
| Credit loss provision to net charge-offs | 157.1429% | 2,865 |
| Earnings coverage of net charge-offs (x) | 14.3571% | 1,377 |
| Efficiency ratio | 57.5232% | 6,829 |
| Assets per employee ($millions) | 3.1841% | 5,758 |
| Cash dividends to net income (ytd only)* | 47.4138% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8454% | 884 |
| Loan loss allowance to noncurrent loans | 299.6894% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 5,664 |
| Noncurrent loans to loans | 0.9495% | 5,411 |
| Net loans and leases to total assets | 73.9148% | 2,292 |
| Net loans and leases to deposits | 86.9367% | 2,747 |
| Net loans and leases to core deposits | 115.1781% | 2,397 |
| Total domestic deposits to total assets | 85.0214% | 3,541 |
| Equity capital to assets | 14.7565% | 960 |
| Core capital (leverage) ratio | 14.9803% | 794 |
| Tier 1 risk-based capital ratio | 21.6460% | 1,197 |
| Total risk-based capital ratio | 22.9195% | 1,167 |
| Memoranda: | ||
| Average total assets | $40,602,200 | 7,071 |
| Average earning assets | $38,614,400 | 6,991 |
| Average equity | $6,492,800 | 6,429 |
| Average total loans | $33,148,000 | 6,455 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3208% | 186 |
| Cost of funding earning assets | 2.1757% | 2,527 |
| Net interest margin | 5.1451% | 334 |
| Noninterest income to average assets | 1.0233% | 1,520 |
| Noninterest expense to average assets | 3.4604% | 2,391 |
| Loan and lease loss provision to assets | 0.3030% | 4,551 |
| Net operating income to assets | 1.3936% | 1,046 |
| Return on assets (ROA) | 1.3936% | 1,110 |
| Pretax return on assets | 2.1476% | 398 |
| Return on Equity (ROE) | 8.5296% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.5296% | 968 |
| Net charge-offs to loans | 0.1740% | 5,001 |
| Credit loss provision to net charge-offs | 209.3023% | 2,105 |
| Earnings coverage of net charge-offs (x) | 16.9308% | 1,437 |
| Efficiency ratio | 58.5421% | 6,640 |
| Assets per employee ($millions) | 3.3085% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8504% | 750 |
| Loan loss allowance to noncurrent loans | 229.2453% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 1.2997% | 4,485 |
| Noncurrent loans to loans | 1.2434% | 4,866 |
| Net loans and leases to total assets | 77.0263% | 1,781 |
| Net loans and leases to deposits | 91.7091% | 2,288 |
| Net loans and leases to core deposits | 122.1706% | 2,053 |
| Total domestic deposits to total assets | 83.9898% | 3,726 |
| Equity capital to assets | 15.5475% | 880 |
| Core capital (leverage) ratio | 16.3524% | 629 |
| Tier 1 risk-based capital ratio | 21.9996% | 1,226 |
| Total risk-based capital ratio | 23.2728% | 1,202 |
| Memoranda: | ||
| Average total assets | $39,608,500 | 7,172 |
| Average earning assets | $37,627,000 | 7,086 |
| Average equity | $6,471,500 | 6,496 |
| Average total loans | $32,956,500 | 6,514 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4080% | 176 |
| Cost of funding earning assets | 2.2646% | 2,507 |
| Net interest margin | 5.1434% | 334 |
| Noninterest income to average assets | 1.0500% | 1,432 |
| Noninterest expense to average assets | 3.5504% | 2,194 |
| Loan and lease loss provision to assets | 0.3119% | 4,077 |
| Net operating income to assets | 1.3463% | 1,127 |
| Return on assets (ROA) | 1.3463% | 1,199 |
| Pretax return on assets | 2.0637% | 476 |
| Return on Equity (ROE) | 8.0942% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.0942% | 1,179 |
| Net charge-offs to loans | 0.2947% | 3,713 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 9.5208% | 2,116 |
| Efficiency ratio | 59.9123% | 6,568 |
| Assets per employee ($millions) | 3.0495% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7625% | 701 |
| Loan loss allowance to noncurrent loans | 171.4286% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 1.7178% | 3,608 |
| Noncurrent loans to loans | 1.6115% | 4,079 |
| Net loans and leases to total assets | 83.1067% | 772 |
| Net loans and leases to deposits | 100.0213% | 1,288 |
| Net loans and leases to core deposits | 129.5964% | 1,601 |
| Total domestic deposits to total assets | 83.0891% | 4,196 |
| Equity capital to assets | 16.4771% | 756 |
| Core capital (leverage) ratio | 16.6650% | 657 |
| Tier 1 risk-based capital ratio | 22.6522% | 1,176 |
| Total risk-based capital ratio | 23.9284% | 1,138 |
| Memoranda: | ||
| Average total assets | $38,474,670 | 7,276 |
| Average earning assets | $36,474,000 | 7,202 |
| Average equity | $6,399,670 | 6,573 |
| Average total loans | $32,575,000 | 6,582 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4982% | 167 |
| Cost of funding earning assets | 2.3649% | 2,441 |
| Net interest margin | 5.1333% | 314 |
| Noninterest income to average assets | 0.9395% | 1,695 |
| Noninterest expense to average assets | 3.5048% | 2,088 |
| Loan and lease loss provision to assets | 0.3167% | 3,438 |
| Net operating income to assets | 1.2774% | 1,440 |
| Return on assets (ROA) | 1.2774% | 1,540 |
| Pretax return on assets | 1.9530% | 719 |
| Return on Equity (ROE) | 7.6419% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.6419% | 1,956 |
| Net charge-offs to loans | 0.2256% | 3,289 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 11.9444% | 1,835 |
| Efficiency ratio | 60.6947% | 6,291 |
| Assets per employee ($millions) | 3.0049% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9163% | 518 |
| Loan loss allowance to noncurrent loans | 242.1189% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 4,716 |
| Noncurrent loans to loans | 1.2045% | 4,562 |
| Net loans and leases to total assets | 79.8510% | 1,419 |
| Net loans and leases to deposits | 95.9755% | 1,952 |
| Net loans and leases to core deposits | 125.7681% | 1,932 |
| Total domestic deposits to total assets | 83.1994% | 4,050 |
| Equity capital to assets | 16.3680% | 815 |
| Core capital (leverage) ratio | 16.5485% | 709 |
| Tier 1 risk-based capital ratio | 22.4777% | 1,250 |
| Total risk-based capital ratio | 23.7538% | 1,217 |
| Memoranda: | ||
| Average total assets | $37,890,500 | 7,336 |
| Average earning assets | $35,688,500 | 7,273 |
| Average equity | $6,333,500 | 6,650 |
| Average total loans | $31,921,500 | 6,654 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2447% | 139 |
| Cost of funding earning assets | 2.6478% | 3,447 |
| Net interest margin | 5.5970% | 181 |
| Noninterest income to average assets | 1.0864% | 1,334 |
| Noninterest expense to average assets | 3.7210% | 1,913 |
| Loan and lease loss provision to assets | 0.3203% | 3,811 |
| Net operating income to assets | 1.5242% | 973 |
| Return on assets (ROA) | 1.5242% | 940 |
| Pretax return on assets | 2.3490% | 273 |
| Return on Equity (ROE) | 9.1293% | 2,598 |
| Retained earnings to average equity (ytd only) | 4.3328% | 2,426 |
| Net charge-offs to loans | 0.1103% | 5,173 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 27.7778% | 1,232 |
| Efficiency ratio | 58.2289% | 6,656 |
| Assets per employee ($millions) | 2.8244% | 6,505 |
| Cash dividends to net income (ytd only)* | 52.5394% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9168% | 472 |
| Loan loss allowance to noncurrent loans | 276.1194% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 4,560 |
| Noncurrent loans to loans | 1.0563% | 4,462 |
| Net loans and leases to total assets | 83.8522% | 906 |
| Net loans and leases to deposits | 101.4666% | 1,649 |
| Net loans and leases to core deposits | 129.1064% | 1,921 |
| Total domestic deposits to total assets | 82.6402% | 3,927 |
| Equity capital to assets | 17.0847% | 768 |
| Core capital (leverage) ratio | 16.4762% | 763 |
| Tier 1 risk-based capital ratio | 22.6749% | 1,228 |
| Total risk-based capital ratio | 23.9508% | 1,200 |
| Memoranda: | ||
| Average total assets | $37,462,600 | 7,330 |
| Average earning assets | $35,501,400 | 7,262 |
| Average equity | $6,254,600 | 6,712 |
| Average total loans | $32,631,600 | 6,572 |