Home > The Union Bank > Performance and Condition Ratios
The Union Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 1,926 |
| Cost of funding earning assets | 1.1580% | 2,916 |
| Net interest margin | 3.9123% | 1,350 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.7676% | 1,581 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9297% | 2,451 |
| Return on assets (ROA) | 0.9297% | 2,424 |
| Pretax return on assets | 1.0484% | 2,539 |
| Return on Equity (ROE) | 10.0500% | 2,482 |
| Retained earnings to average equity (ytd only) | 4.5175% | 2,784 |
| Net charge-offs to loans | 0.0047% | 2,549 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 360.6250% | 380 |
| Efficiency ratio | 67.3213% | 2,190 |
| Assets per employee ($millions) | 6.7955% | 2,208 |
| Cash dividends to net income (ytd only)* | 55.0571% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,594 |
| Loan loss allowance to noncurrent loans | 51.5871% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.4561% | 269 |
| Noncurrent loans to loans | 2.2144% | 236 |
| Net loans and leases to total assets | 64.1100% | 2,449 |
| Net loans and leases to deposits | 71.0998% | 2,809 |
| Net loans and leases to core deposits | 78.2341% | 2,821 |
| Total domestic deposits to total assets | 90.1700% | 716 |
| Equity capital to assets | 9.2622% | 2,504 |
| Core capital (leverage) ratio | 9.7512% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $263,734,600 | 2,605 |
| Average earning assets | $240,931,400 | 2,625 |
| Average equity | $24,394,000 | 2,555 |
| Average total loans | $169,783,200 | 2,525 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 1,988 |
| Cost of funding earning assets | 0.9283% | 3,206 |
| Net interest margin | 4.0058% | 1,206 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.8777% | 1,270 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8907% | 2,717 |
| Return on assets (ROA) | 0.8907% | 2,701 |
| Pretax return on assets | 1.0686% | 2,659 |
| Return on Equity (ROE) | 9.6300% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.5536% | 2,120 |
| Net charge-offs to loans | 0.0072% | 2,172 |
| Credit loss provision to net charge-offs | 1,000.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 241.5556% | 525 |
| Efficiency ratio | 67.5700% | 2,063 |
| Assets per employee ($millions) | 6.6665% | 2,206 |
| Cash dividends to net income (ytd only)* | 21.5889% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,589 |
| Loan loss allowance to noncurrent loans | 50.1480% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 243 |
| Noncurrent loans to loans | 2.3059% | 224 |
| Net loans and leases to total assets | 65.1700% | 2,326 |
| Net loans and leases to deposits | 71.7710% | 2,724 |
| Net loans and leases to core deposits | 79.4416% | 2,641 |
| Total domestic deposits to total assets | 90.8000% | 719 |
| Equity capital to assets | 8.5109% | 2,726 |
| Core capital (leverage) ratio | 10.5834% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $260,014,000 | 2,630 |
| Average earning assets | $237,417,250 | 2,649 |
| Average equity | $24,041,000 | 2,564 |
| Average total loans | $167,058,750 | 2,552 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 1,834 |
| Cost of funding earning assets | 0.7295% | 3,408 |
| Net interest margin | 4.1401% | 1,021 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.8844% | 1,248 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9860% | 2,464 |
| Return on assets (ROA) | 0.9860% | 2,453 |
| Pretax return on assets | 1.1893% | 2,388 |
| Return on Equity (ROE) | 10.3800% | 2,601 |
| Retained earnings to average equity (ytd only) | 10.3799% | 1,315 |
| Net charge-offs to loans | 0.0110% | 1,791 |
| Credit loss provision to net charge-offs | 666.6667% | 538 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 672 |
| Efficiency ratio | 65.3173% | 2,333 |
| Assets per employee ($millions) | 5.9290% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,449 |
| Loan loss allowance to noncurrent loans | 46.3872% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.7340% | 178 |
| Noncurrent loans to loans | 2.5854% | 176 |
| Net loans and leases to total assets | 66.2700% | 2,128 |
| Net loans and leases to deposits | 74.1767% | 2,475 |
| Net loans and leases to core deposits | 76.8273% | 2,703 |
| Total domestic deposits to total assets | 89.3300% | 1,126 |
| Equity capital to assets | 10.1769% | 1,761 |
| Core capital (leverage) ratio | 10.3781% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $257,799,333 | 2,645 |
| Average earning assets | $235,500,667 | 2,674 |
| Average equity | $24,489,667 | 2,541 |
| Average total loans | $164,141,667 | 2,563 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 1,728 |
| Cost of funding earning assets | 0.6332% | 3,284 |
| Net interest margin | 4.1202% | 1,066 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.8742% | 1,285 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7277% | 3,401 |
| Return on assets (ROA) | 0.7277% | 3,361 |
| Pretax return on assets | 0.9855% | 3,038 |
| Return on Equity (ROE) | 7.9300% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.9290% | 2,241 |
| Net charge-offs to loans | 0.0172% | 1,341 |
| Credit loss provision to net charge-offs | 428.5714% | 596 |
| Earnings coverage of net charge-offs (x) | 96.5714% | 800 |
| Efficiency ratio | 68.7500% | 1,891 |
| Assets per employee ($millions) | 6.4591% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,365 |
| Loan loss allowance to noncurrent loans | 44.8252% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6638% | 178 |
| Noncurrent loans to loans | 2.7548% | 167 |
| Net loans and leases to total assets | 59.6500% | 2,699 |
| Net loans and leases to deposits | 66.1071% | 2,926 |
| Net loans and leases to core deposits | 68.3743% | 3,066 |
| Total domestic deposits to total assets | 90.2300% | 1,076 |
| Equity capital to assets | 9.2927% | 2,301 |
| Core capital (leverage) ratio | 9.7341% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $262,191,000 | 2,656 |
| Average earning assets | $239,405,000 | 2,675 |
| Average equity | $24,063,500 | 2,595 |
| Average total loans | $162,705,000 | 2,603 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 1,198 |
| Cost of funding earning assets | 0.4009% | 2,094 |
| Net interest margin | 3.8255% | 1,107 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.4835% | 2,168 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 1.1327% | 2,041 |
| Return on assets (ROA) | 1.1327% | 1,986 |
| Pretax return on assets | 1.2209% | 2,368 |
| Return on Equity (ROE) | 12.1800% | 2,085 |
| Retained earnings to average equity (ytd only) | 9.9034% | 1,187 |
| Net charge-offs to loans | -0.3077% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.0327% | 2,483 |
| Assets per employee ($millions) | 5.9068% | 2,843 |
| Cash dividends to net income (ytd only)* | 18.7075% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,451 |
| Loan loss allowance to noncurrent loans | 302.5926% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,125 |
| Noncurrent loans to loans | 0.3263% | 1,979 |
| Net loans and leases to total assets | 63.0400% | 2,326 |
| Net loans and leases to deposits | 69.7382% | 2,602 |
| Net loans and leases to core deposits | 71.7414% | 2,744 |
| Total domestic deposits to total assets | 90.3900% | 1,203 |
| Equity capital to assets | 9.1790% | 2,239 |
| Core capital (leverage) ratio | 9.8275% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $259,556,800 | 2,673 |
| Average earning assets | $233,696,600 | 2,711 |
| Average equity | $24,133,200 | 2,626 |
| Average total loans | $163,775,400 | 2,513 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 1,168 |
| Cost of funding earning assets | 0.3820% | 1,426 |
| Net interest margin | 3.6637% | 1,237 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.3606% | 2,440 |
| Loan and lease loss provision to assets | -0.1800% | 4,663 |
| Net operating income to assets | 1.1618% | 1,848 |
| Return on assets (ROA) | 1.1618% | 1,823 |
| Pretax return on assets | 1.2430% | 2,223 |
| Return on Equity (ROE) | 12.4600% | 1,886 |
| Retained earnings to average equity (ytd only) | 12.3786% | 715 |
| Net charge-offs to loans | -0.4106% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4069% | 2,637 |
| Assets per employee ($millions) | 5.5695% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.6192% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,692 |
| Loan loss allowance to noncurrent loans | 166.8054% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 1,360 |
| Noncurrent loans to loans | 0.5689% | 1,413 |
| Net loans and leases to total assets | 65.3100% | 1,951 |
| Net loans and leases to deposits | 71.9571% | 2,206 |
| Net loans and leases to core deposits | 73.8013% | 2,365 |
| Total domestic deposits to total assets | 90.7700% | 1,331 |
| Equity capital to assets | 8.7562% | 2,369 |
| Core capital (leverage) ratio | 9.6514% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $259,471,500 | 2,688 |
| Average earning assets | $233,162,250 | 2,735 |
| Average equity | $24,202,500 | 2,676 |
| Average total loans | $163,351,250 | 2,517 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 1,286 |
| Cost of funding earning assets | 0.3851% | 1,021 |
| Net interest margin | 3.4270% | 1,521 |
| Noninterest income to average assets | 0.1543% | 4,241 |
| Noninterest expense to average assets | 2.3004% | 2,552 |
| Loan and lease loss provision to assets | -0.3193% | 4,727 |
| Net operating income to assets | 1.1805% | 1,495 |
| Return on assets (ROA) | 1.1805% | 1,470 |
| Pretax return on assets | 1.2404% | 1,932 |
| Return on Equity (ROE) | 12.4071% | 1,544 |
| Retained earnings to average equity (ytd only) | 12.4071% | 544 |
| Net charge-offs to loans | -0.6081% | 4,703 |
| Credit loss provision to net charge-offs | 84.7251% | 1,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4753% | 2,584 |
| Assets per employee ($millions) | 6.7308% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 3,914 |
| Loan loss allowance to noncurrent loans | 100.5253% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 896 |
| Noncurrent loans to loans | 0.9099% | 920 |
| Net loans and leases to total assets | 63.1777% | 1,998 |
| Net loans and leases to deposits | 69.7586% | 2,233 |
| Net loans and leases to core deposits | 71.7598% | 2,366 |
| Total domestic deposits to total assets | 90.5661% | 1,433 |
| Equity capital to assets | 9.0152% | 2,376 |
| Core capital (leverage) ratio | 9.4122% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,563,667 | 2,703 |
| Average earning assets | $233,210,000 | 2,769 |
| Average equity | $24,792,333 | 2,693 |
| Average total loans | $161,490,000 | 2,536 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 1,394 |
| Cost of funding earning assets | 0.3952% | 897 |
| Net interest margin | 3.2495% | 1,721 |
| Noninterest income to average assets | 0.1495% | 4,258 |
| Noninterest expense to average assets | 2.3190% | 2,428 |
| Loan and lease loss provision to assets | 0.0154% | 2,071 |
| Net operating income to assets | 0.6641% | 3,178 |
| Return on assets (ROA) | 0.6641% | 3,161 |
| Pretax return on assets | 0.7165% | 3,345 |
| Return on Equity (ROE) | 6.7992% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.7992% | 1,958 |
| Net charge-offs to loans | -0.1716% | 4,575 |
| Credit loss provision to net charge-offs | -14.7059% | 2,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7475% | 2,266 |
| Assets per employee ($millions) | 6.9380% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 3,798 |
| Loan loss allowance to noncurrent loans | 92.5211% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 848 |
| Noncurrent loans to loans | 1.0612% | 849 |
| Net loans and leases to total assets | 58.6771% | 2,217 |
| Net loans and leases to deposits | 65.0035% | 2,431 |
| Net loans and leases to core deposits | 66.9871% | 2,537 |
| Total domestic deposits to total assets | 90.2675% | 1,402 |
| Equity capital to assets | 9.3350% | 2,415 |
| Core capital (leverage) ratio | 8.9441% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,595,000 | 2,722 |
| Average earning assets | $231,787,000 | 2,790 |
| Average equity | $25,356,000 | 2,747 |
| Average total loans | $158,548,500 | 2,563 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 524 |
| Cost of funding earning assets | 0.4176% | 1,412 |
| Net interest margin | 4.1612% | 526 |
| Noninterest income to average assets | 0.1954% | 4,194 |
| Noninterest expense to average assets | 2.7159% | 1,595 |
| Loan and lease loss provision to assets | 0.0454% | 2,147 |
| Net operating income to assets | 0.9673% | 2,807 |
| Return on assets (ROA) | 0.9600% | 2,904 |
| Pretax return on assets | 1.0821% | 3,028 |
| Return on Equity (ROE) | 8.9985% | 2,910 |
| Retained earnings to average equity (ytd only) | 4.7044% | 2,920 |
| Net charge-offs to loans | 0.2949% | 298 |
| Credit loss provision to net charge-offs | 23.8806% | 2,263 |
| Earnings coverage of net charge-offs (x) | 5.9723% | 2,423 |
| Efficiency ratio | 65.2105% | 2,369 |
| Assets per employee ($millions) | 6.7354% | 2,121 |
| Cash dividends to net income (ytd only)* | 47.7196% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5943% | 4,543 |
| Loan loss allowance to noncurrent loans | 188.9328% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 1,538 |
| Noncurrent loans to loans | 0.3145% | 2,463 |
| Net loans and leases to total assets | 62.4774% | 1,887 |
| Net loans and leases to deposits | 69.9912% | 2,135 |
| Net loans and leases to core deposits | 72.1829% | 2,243 |
| Total domestic deposits to total assets | 89.2646% | 1,372 |
| Equity capital to assets | 10.3541% | 2,318 |
| Core capital (leverage) ratio | 9.2083% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,654,800 | 2,750 |
| Average earning assets | $216,717,000 | 2,832 |
| Average equity | $26,315,600 | 2,760 |
| Average total loans | $159,033,000 | 2,555 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 405 |
| Cost of funding earning assets | 0.4080% | 1,639 |
| Net interest margin | 4.4009% | 374 |
| Noninterest income to average assets | 0.1769% | 4,318 |
| Noninterest expense to average assets | 2.3737% | 2,526 |
| Loan and lease loss provision to assets | 0.0420% | 2,156 |
| Net operating income to assets | 1.1409% | 2,401 |
| Return on assets (ROA) | 1.1409% | 2,463 |
| Pretax return on assets | 1.3938% | 2,364 |
| Return on Equity (ROE) | 11.2626% | 2,287 |
| Retained earnings to average equity (ytd only) | 5.5272% | 3,033 |
| Net charge-offs to loans | 0.0160% | 1,758 |
| Credit loss provision to net charge-offs | 431.5789% | 827 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 688 |
| Efficiency ratio | 57.4494% | 3,358 |
| Assets per employee ($millions) | 6.6008% | 2,174 |
| Cash dividends to net income (ytd only)* | 50.9238% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 4,320 |
| Loan loss allowance to noncurrent loans | 280.2444% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 1,678 |
| Noncurrent loans to loans | 0.2925% | 2,745 |
| Net loans and leases to total assets | 61.5174% | 2,074 |
| Net loans and leases to deposits | 68.4813% | 2,395 |
| Net loans and leases to core deposits | 70.3433% | 2,565 |
| Total domestic deposits to total assets | 89.8309% | 850 |
| Equity capital to assets | 9.7678% | 3,134 |
| Core capital (leverage) ratio | 8.3528% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,332,000 | 2,694 |
| Average earning assets | $214,071,750 | 2,875 |
| Average equity | $26,269,250 | 2,799 |
| Average total loans | $158,575,000 | 2,596 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 284 |
| Cost of funding earning assets | 0.4048% | 1,844 |
| Net interest margin | 4.7232% | 250 |
| Noninterest income to average assets | 0.1886% | 4,261 |
| Noninterest expense to average assets | 2.5238% | 2,068 |
| Loan and lease loss provision to assets | 0.0407% | 2,195 |
| Net operating income to assets | 1.3726% | 1,645 |
| Return on assets (ROA) | 1.3726% | 1,721 |
| Pretax return on assets | 1.5409% | 1,903 |
| Return on Equity (ROE) | 13.3822% | 1,597 |
| Retained earnings to average equity (ytd only) | 13.3822% | 655 |
| Net charge-offs to loans | -0.0180% | 3,945 |
| Credit loss provision to net charge-offs | -371.4286% | 3,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6146% | 3,459 |
| Assets per employee ($millions) | 6.3827% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 4,297 |
| Loan loss allowance to noncurrent loans | 159.4220% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 1,912 |
| Noncurrent loans to loans | 0.5279% | 2,089 |
| Net loans and leases to total assets | 60.6105% | 2,345 |
| Net loans and leases to deposits | 67.7976% | 2,636 |
| Net loans and leases to core deposits | 69.5418% | 2,822 |
| Total domestic deposits to total assets | 89.3992% | 1,083 |
| Equity capital to assets | 10.1368% | 2,734 |
| Core capital (leverage) ratio | 8.5959% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,564,667 | 2,707 |
| Average earning assets | $211,932,000 | 2,890 |
| Average equity | $26,214,000 | 2,798 |
| Average total loans | $155,479,000 | 2,633 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 301 |
| Cost of funding earning assets | 0.3996% | 2,099 |
| Net interest margin | 4.7239% | 264 |
| Noninterest income to average assets | -0.0770% | 4,958 |
| Noninterest expense to average assets | 2.6585% | 1,717 |
| Loan and lease loss provision to assets | 0.0225% | 2,492 |
| Net operating income to assets | 1.0236% | 2,732 |
| Return on assets (ROA) | 1.0236% | 2,813 |
| Pretax return on assets | 1.1680% | 2,930 |
| Return on Equity (ROE) | 9.9168% | 2,715 |
| Retained earnings to average equity (ytd only) | 9.9168% | 1,666 |
| Net charge-offs to loans | -0.0185% | 3,958 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5682% | 2,523 |
| Assets per employee ($millions) | 6.1786% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 4,221 |
| Loan loss allowance to noncurrent loans | 97.2303% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 1,198 |
| Noncurrent loans to loans | 0.9029% | 1,498 |
| Net loans and leases to total assets | 58.0439% | 2,795 |
| Net loans and leases to deposits | 64.7685% | 3,052 |
| Net loans and leases to core deposits | 66.4700% | 3,201 |
| Total domestic deposits to total assets | 89.6174% | 1,009 |
| Equity capital to assets | 9.9999% | 2,708 |
| Core capital (leverage) ratio | 8.7434% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,310,000 | 2,729 |
| Average earning assets | $207,201,000 | 2,914 |
| Average equity | $25,734,000 | 2,816 |
| Average total loans | $151,288,500 | 2,675 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 1,902 |
| Cost of funding earning assets | 0.7111% | 1,669 |
| Net interest margin | 3.5776% | 2,224 |
| Noninterest income to average assets | 0.1092% | 4,711 |
| Noninterest expense to average assets | 2.5681% | 2,646 |
| Loan and lease loss provision to assets | 0.0494% | 3,774 |
| Net operating income to assets | 0.4709% | 4,093 |
| Return on assets (ROA) | 0.4830% | 4,148 |
| Pretax return on assets | 0.5483% | 4,178 |
| Return on Equity (ROE) | 4.6631% | 3,991 |
| Retained earnings to average equity (ytd only) | 1.8811% | 3,877 |
| Net charge-offs to loans | 0.0998% | 1,472 |
| Credit loss provision to net charge-offs | 79.6460% | 2,990 |
| Earnings coverage of net charge-offs (x) | 9.4159% | 2,527 |
| Efficiency ratio | 76.9807% | 1,123 |
| Assets per employee ($millions) | 7.0329% | 1,564 |
| Cash dividends to net income (ytd only)* | 59.6591% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 4,267 |
| Loan loss allowance to noncurrent loans | 94.3247% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9083% | 1,088 |
| Noncurrent loans to loans | 0.9242% | 1,520 |
| Net loans and leases to total assets | 62.4399% | 2,549 |
| Net loans and leases to deposits | 70.1879% | 2,864 |
| Net loans and leases to core deposits | 72.4725% | 3,031 |
| Total domestic deposits to total assets | 88.9611% | 1,002 |
| Equity capital to assets | 10.6717% | 2,542 |
| Core capital (leverage) ratio | 9.0606% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,198,400 | 3,084 |
| Average earning assets | $154,964,800 | 3,212 |
| Average equity | $18,871,600 | 3,291 |
| Average total loans | $113,233,800 | 3,052 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4212% | 1,796 |
| Cost of funding earning assets | 0.7397% | 1,806 |
| Net interest margin | 3.6815% | 2,008 |
| Noninterest income to average assets | 0.1262% | 4,659 |
| Noninterest expense to average assets | 2.6377% | 2,424 |
| Loan and lease loss provision to assets | 0.0714% | 3,429 |
| Net operating income to assets | 0.4358% | 4,193 |
| Return on assets (ROA) | 0.4517% | 4,231 |
| Pretax return on assets | 0.5660% | 4,163 |
| Return on Equity (ROE) | 4.4082% | 4,058 |
| Retained earnings to average equity (ytd only) | 0.3409% | 4,423 |
| Net charge-offs to loans | 0.1566% | 940 |
| Credit loss provision to net charge-offs | 73.7705% | 2,792 |
| Earnings coverage of net charge-offs (x) | 6.3770% | 2,653 |
| Efficiency ratio | 77.4689% | 1,090 |
| Assets per employee ($millions) | 6.8594% | 1,588 |
| Cash dividends to net income (ytd only)* | 92.2671% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,421 |
| Loan loss allowance to noncurrent loans | 248.8550% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 1,224 |
| Noncurrent loans to loans | 0.5000% | 2,555 |
| Net loans and leases to total assets | 60.3479% | 3,187 |
| Net loans and leases to deposits | 67.5304% | 3,508 |
| Net loans and leases to core deposits | 69.8830% | 3,631 |
| Total domestic deposits to total assets | 89.3640% | 631 |
| Equity capital to assets | 10.0977% | 3,150 |
| Core capital (leverage) ratio | 9.4359% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,968,500 | 3,196 |
| Average earning assets | $142,763,000 | 3,335 |
| Average equity | $17,210,000 | 3,444 |
| Average total loans | $103,887,750 | 3,186 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 1,918 |
| Cost of funding earning assets | 0.7724% | 1,980 |
| Net interest margin | 3.7265% | 2,068 |
| Noninterest income to average assets | 0.1103% | 4,739 |
| Noninterest expense to average assets | 2.6140% | 2,619 |
| Loan and lease loss provision to assets | 0.0899% | 3,143 |
| Net operating income to assets | 0.5054% | 4,004 |
| Return on assets (ROA) | 0.5084% | 4,072 |
| Pretax return on assets | 0.6091% | 4,042 |
| Return on Equity (ROE) | 4.9375% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.9375% | 2,507 |
| Net charge-offs to loans | -0.0039% | 3,939 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4710% | 1,312 |
| Assets per employee ($millions) | 6.8795% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,745 |
| Loan loss allowance to noncurrent loans | 199.0141% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 1,027 |
| Noncurrent loans to loans | 0.6811% | 2,170 |
| Net loans and leases to total assets | 59.7861% | 3,351 |
| Net loans and leases to deposits | 67.0420% | 3,642 |
| Net loans and leases to core deposits | 69.1098% | 3,774 |
| Total domestic deposits to total assets | 89.1772% | 674 |
| Equity capital to assets | 10.2908% | 2,933 |
| Core capital (leverage) ratio | 9.5925% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,796,667 | 3,182 |
| Average earning assets | $143,190,333 | 3,307 |
| Average equity | $17,174,667 | 3,453 |
| Average total loans | $103,586,667 | 3,182 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5154% | 2,272 |
| Cost of funding earning assets | 0.9116% | 1,809 |
| Net interest margin | 3.6038% | 2,657 |
| Noninterest income to average assets | 0.1998% | 4,360 |
| Noninterest expense to average assets | 2.6723% | 2,774 |
| Loan and lease loss provision to assets | 0.0731% | 2,818 |
| Net operating income to assets | 0.4132% | 4,103 |
| Return on assets (ROA) | 0.4190% | 4,131 |
| Pretax return on assets | 0.5432% | 4,046 |
| Return on Equity (ROE) | 4.0680% | 3,927 |
| Retained earnings to average equity (ytd only) | 4.0680% | 2,653 |
| Net charge-offs to loans | 0.0232% | 1,903 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,006 |
| Efficiency ratio | 77.8025% | 1,361 |
| Assets per employee ($millions) | 6.7514% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 1,965 |
| Loan loss allowance to noncurrent loans | 164.4498% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 778 |
| Noncurrent loans to loans | 0.8135% | 1,978 |
| Net loans and leases to total assets | 59.4280% | 3,552 |
| Net loans and leases to deposits | 66.4448% | 3,838 |
| Net loans and leases to core deposits | 68.3859% | 3,967 |
| Total domestic deposits to total assets | 89.4398% | 494 |
| Equity capital to assets | 10.0638% | 3,719 |
| Core capital (leverage) ratio | 9.9161% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,201,000 | 3,181 |
| Average earning assets | $140,409,000 | 3,306 |
| Average equity | $16,912,500 | 3,480 |
| Average total loans | $103,261,000 | 3,180 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 2,018 |
| Cost of funding earning assets | 0.9022% | 2,181 |
| Net interest margin | 3.9073% | 2,153 |
| Noninterest income to average assets | 0.1860% | 4,551 |
| Noninterest expense to average assets | 2.8052% | 2,582 |
| Loan and lease loss provision to assets | 0.1155% | 1,828 |
| Net operating income to assets | 0.6013% | 4,157 |
| Return on assets (ROA) | 0.6036% | 4,210 |
| Pretax return on assets | 0.6601% | 4,305 |
| Return on Equity (ROE) | 5.7061% | 4,005 |
| Retained earnings to average equity (ytd only) | 2.5226% | 3,769 |
| Net charge-offs to loans | 0.1236% | 1,524 |
| Credit loss provision to net charge-offs | 138.4615% | 1,858 |
| Earnings coverage of net charge-offs (x) | 9.2692% | 2,686 |
| Efficiency ratio | 74.9014% | 1,500 |
| Assets per employee ($millions) | 5.3206% | 2,225 |
| Cash dividends to net income (ytd only)* | 55.7917% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,051 |
| Loan loss allowance to noncurrent loans | 175.0983% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.5305% | 658 |
| Noncurrent loans to loans | 0.7277% | 2,062 |
| Net loans and leases to total assets | 64.8555% | 3,092 |
| Net loans and leases to deposits | 72.8831% | 3,448 |
| Net loans and leases to core deposits | 74.8769% | 3,653 |
| Total domestic deposits to total assets | 88.9856% | 676 |
| Equity capital to assets | 10.5496% | 3,397 |
| Core capital (leverage) ratio | 10.0379% | 3,475 |
| Tier 1 risk-based capital ratio | 13.7297% | 3,400 |
| Total risk-based capital ratio | 14.8827% | 3,355 |
| Memoranda: | ||
| Average total assets | $155,886,800 | 3,233 |
| Average earning assets | $135,337,000 | 3,345 |
| Average equity | $16,491,000 | 3,496 |
| Average total loans | $105,157,200 | 3,151 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 2,060 |
| Cost of funding earning assets | 0.8908% | 2,272 |
| Net interest margin | 3.9292% | 2,163 |
| Noninterest income to average assets | 0.2444% | 4,273 |
| Noninterest expense to average assets | 2.9737% | 2,049 |
| Loan and lease loss provision to assets | 0.1162% | 1,680 |
| Net operating income to assets | 0.5165% | 4,480 |
| Return on assets (ROA) | 0.5189% | 4,521 |
| Pretax return on assets | 0.5731% | 4,590 |
| Return on Equity (ROE) | 4.9011% | 4,351 |
| Retained earnings to average equity (ytd only) | 0.6340% | 4,638 |
| Net charge-offs to loans | 0.1571% | 1,055 |
| Credit loss provision to net charge-offs | 108.8710% | 2,108 |
| Earnings coverage of net charge-offs (x) | 6.4354% | 2,839 |
| Efficiency ratio | 77.8091% | 1,124 |
| Assets per employee ($millions) | 6.1353% | 1,506 |
| Cash dividends to net income (ytd only)* | 87.0644% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,352 |
| Loan loss allowance to noncurrent loans | 191.5805% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 788 |
| Noncurrent loans to loans | 0.6403% | 2,371 |
| Net loans and leases to total assets | 68.0875% | 2,779 |
| Net loans and leases to deposits | 76.8349% | 3,216 |
| Net loans and leases to core deposits | 79.3409% | 3,437 |
| Total domestic deposits to total assets | 88.6154% | 776 |
| Equity capital to assets | 10.7646% | 3,320 |
| Core capital (leverage) ratio | 10.0846% | 3,550 |
| Tier 1 risk-based capital ratio | 13.5010% | 3,573 |
| Total risk-based capital ratio | 14.6292% | 3,541 |
| Memoranda: | ||
| Average total assets | $154,954,000 | 3,273 |
| Average earning assets | $134,713,250 | 3,386 |
| Average equity | $16,404,000 | 3,531 |
| Average total loans | $105,232,250 | 3,189 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 2,223 |
| Cost of funding earning assets | 0.8797% | 2,242 |
| Net interest margin | 3.8706% | 2,339 |
| Noninterest income to average assets | 0.2405% | 4,313 |
| Noninterest expense to average assets | 2.8892% | 2,308 |
| Loan and lease loss provision to assets | 0.1158% | 1,620 |
| Net operating income to assets | 0.5711% | 4,382 |
| Return on assets (ROA) | 0.5711% | 4,419 |
| Pretax return on assets | 0.6033% | 4,538 |
| Return on Equity (ROE) | 5.4251% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.4251% | 2,557 |
| Net charge-offs to loans | -0.0647% | 4,896 |
| Credit loss provision to net charge-offs | -264.7059% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6132% | 1,318 |
| Assets per employee ($millions) | 6.2248% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 1,949 |
| Loan loss allowance to noncurrent loans | 446.2025% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 1,035 |
| Noncurrent loans to loans | 0.2947% | 3,477 |
| Net loans and leases to total assets | 67.9915% | 2,816 |
| Net loans and leases to deposits | 76.5994% | 3,278 |
| Net loans and leases to core deposits | 79.0676% | 3,500 |
| Total domestic deposits to total assets | 88.7624% | 757 |
| Equity capital to assets | 10.7955% | 3,273 |
| Core capital (leverage) ratio | 10.1844% | 3,401 |
| Tier 1 risk-based capital ratio | 13.7233% | 3,472 |
| Total risk-based capital ratio | 14.9449% | 3,378 |
| Memoranda: | ||
| Average total assets | $155,478,000 | 3,290 |
| Average earning assets | $135,276,330 | 3,405 |
| Average equity | $16,368,330 | 3,524 |
| Average total loans | $105,066,000 | 3,207 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 2,364 |
| Cost of funding earning assets | 0.8623% | 2,198 |
| Net interest margin | 3.7928% | 2,553 |
| Noninterest income to average assets | 0.2342% | 4,334 |
| Noninterest expense to average assets | 2.9960% | 2,004 |
| Loan and lease loss provision to assets | 0.1158% | 1,520 |
| Net operating income to assets | 0.4170% | 4,692 |
| Return on assets (ROA) | 0.4170% | 4,707 |
| Pretax return on assets | 0.4170% | 4,815 |
| Return on Equity (ROE) | 4.0118% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.0118% | 3,309 |
| Net charge-offs to loans | -0.0346% | 4,697 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3275% | 942 |
| Assets per employee ($millions) | 6.2927% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,059 |
| Loan loss allowance to noncurrent loans | 178.6667% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.6800% | 666 |
| Noncurrent loans to loans | 0.7316% | 2,193 |
| Net loans and leases to total assets | 64.3090% | 3,246 |
| Net loans and leases to deposits | 72.0731% | 3,598 |
| Net loans and leases to core deposits | 73.4199% | 3,831 |
| Total domestic deposits to total assets | 89.2275% | 756 |
| Equity capital to assets | 10.3911% | 3,427 |
| Core capital (leverage) ratio | 10.0233% | 3,577 |
| Tier 1 risk-based capital ratio | 13.6480% | 3,524 |
| Total risk-based capital ratio | 14.8272% | 3,483 |
| Memoranda: | ||
| Average total assets | $155,406,500 | 3,337 |
| Average earning assets | $134,993,500 | 3,441 |
| Average equity | $16,152,500 | 3,560 |
| Average total loans | $103,989,500 | 3,252 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,853 |
| Cost of funding earning assets | 0.6977% | 2,106 |
| Net interest margin | 3.9925% | 2,005 |
| Noninterest income to average assets | 0.1351% | 5,030 |
| Noninterest expense to average assets | 2.6489% | 3,183 |
| Loan and lease loss provision to assets | 0.1039% | 2,117 |
| Net operating income to assets | 0.6794% | 4,204 |
| Return on assets (ROA) | 0.6799% | 4,206 |
| Pretax return on assets | 0.8131% | 4,136 |
| Return on Equity (ROE) | 6.6784% | 3,943 |
| Retained earnings to average equity (ytd only) | 3.3296% | 3,746 |
| Net charge-offs to loans | 0.3721% | 511 |
| Credit loss provision to net charge-offs | 40.4040% | 3,279 |
| Earnings coverage of net charge-offs (x) | 3.5631% | 3,395 |
| Efficiency ratio | 70.7650% | 2,074 |
| Assets per employee ($millions) | 6.1398% | 1,425 |
| Cash dividends to net income (ytd only)* | 50.1433% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,470 |
| Loan loss allowance to noncurrent loans | 390.8815% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 1.5779% | 726 |
| Noncurrent loans to loans | 0.3119% | 3,432 |
| Net loans and leases to total assets | 67.8741% | 2,891 |
| Net loans and leases to deposits | 76.0639% | 3,345 |
| Net loans and leases to core deposits | 77.2305% | 3,629 |
| Total domestic deposits to total assets | 89.2329% | 760 |
| Equity capital to assets | 10.3964% | 3,290 |
| Core capital (leverage) ratio | 9.9776% | 3,608 |
| Tier 1 risk-based capital ratio | 13.3451% | 3,635 |
| Total risk-based capital ratio | 14.4669% | 3,598 |
| Memoranda: | ||
| Average total assets | $153,986,000 | 3,345 |
| Average earning assets | $132,299,600 | 3,462 |
| Average equity | $15,677,400 | 3,550 |
| Average total loans | $106,416,000 | 3,196 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 1,838 |
| Cost of funding earning assets | 0.6491% | 2,154 |
| Net interest margin | 3.9996% | 1,958 |
| Noninterest income to average assets | 0.1315% | 5,102 |
| Noninterest expense to average assets | 2.6474% | 3,130 |
| Loan and lease loss provision to assets | 0.1384% | 1,446 |
| Net operating income to assets | 0.5911% | 4,525 |
| Return on assets (ROA) | 0.5918% | 4,530 |
| Pretax return on assets | 0.7691% | 4,375 |
| Return on Equity (ROE) | 5.8433% | 4,303 |
| Retained earnings to average equity (ytd only) | 1.3583% | 4,759 |
| Net charge-offs to loans | 0.2763% | 605 |
| Credit loss provision to net charge-offs | 72.3982% | 2,607 |
| Earnings coverage of net charge-offs (x) | 4.7421% | 3,024 |
| Efficiency ratio | 70.9348% | 2,046 |
| Assets per employee ($millions) | 6.0924% | 1,426 |
| Cash dividends to net income (ytd only)* | 76.7539% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 1,864 |
| Loan loss allowance to noncurrent loans | 114.3192% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 2.5153% | 342 |
| Noncurrent loans to loans | 1.1846% | 1,430 |
| Net loans and leases to total assets | 69.8759% | 2,671 |
| Net loans and leases to deposits | 79.3599% | 3,105 |
| Net loans and leases to core deposits | 80.6028% | 3,447 |
| Total domestic deposits to total assets | 88.0494% | 1,219 |
| Equity capital to assets | 10.1188% | 3,520 |
| Core capital (leverage) ratio | 9.8628% | 3,785 |
| Tier 1 risk-based capital ratio | 12.5615% | 4,177 |
| Total risk-based capital ratio | 13.7943% | 4,069 |
| Memoranda: | ||
| Average total assets | $154,108,500 | 3,370 |
| Average earning assets | $131,876,750 | 3,509 |
| Average equity | $15,607,250 | 3,577 |
| Average total loans | $106,652,500 | 3,217 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,868 |
| Cost of funding earning assets | 0.6363% | 2,008 |
| Net interest margin | 3.9359% | 2,084 |
| Noninterest income to average assets | 0.2728% | 4,363 |
| Noninterest expense to average assets | 2.6256% | 3,240 |
| Loan and lease loss provision to assets | 0.1551% | 1,217 |
| Net operating income to assets | 0.6376% | 4,388 |
| Return on assets (ROA) | 0.6386% | 4,388 |
| Pretax return on assets | 0.8519% | 4,106 |
| Return on Equity (ROE) | 6.3041% | 4,137 |
| Retained earnings to average equity (ytd only) | 6.3041% | 2,412 |
| Net charge-offs to loans | 0.0075% | 2,858 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 194.5000% | 425 |
| Efficiency ratio | 68.8501% | 2,506 |
| Assets per employee ($millions) | 6.1284% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,278 |
| Loan loss allowance to noncurrent loans | 202.2222% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 2.1617% | 465 |
| Noncurrent loans to loans | 0.7606% | 2,218 |
| Net loans and leases to total assets | 68.4376% | 2,802 |
| Net loans and leases to deposits | 76.7515% | 3,271 |
| Net loans and leases to core deposits | 77.9311% | 3,588 |
| Total domestic deposits to total assets | 89.1679% | 861 |
| Equity capital to assets | 10.3400% | 3,294 |
| Core capital (leverage) ratio | 9.7576% | 3,833 |
| Tier 1 risk-based capital ratio | 13.2579% | 3,755 |
| Total risk-based capital ratio | 14.5100% | 3,681 |
| Memoranda: | ||
| Average total assets | $154,708,000 | 3,384 |
| Average earning assets | $132,015,670 | 3,529 |
| Average equity | $15,672,330 | 3,592 |
| Average total loans | $106,240,330 | 3,234 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 2,262 |
| Cost of funding earning assets | 0.6268% | 1,868 |
| Net interest margin | 3.7545% | 2,595 |
| Noninterest income to average assets | 0.2341% | 4,608 |
| Noninterest expense to average assets | 2.6297% | 3,245 |
| Loan and lease loss provision to assets | 0.1544% | 1,173 |
| Net operating income to assets | 0.5017% | 4,687 |
| Return on assets (ROA) | 0.5017% | 4,694 |
| Pretax return on assets | 0.6561% | 4,556 |
| Return on Equity (ROE) | 5.0040% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.0040% | 3,168 |
| Net charge-offs to loans | 0.5240% | 284 |
| Credit loss provision to net charge-offs | 43.1655% | 1,994 |
| Earnings coverage of net charge-offs (x) | 2.2662% | 2,477 |
| Efficiency ratio | 72.7749% | 2,076 |
| Assets per employee ($millions) | 6.2949% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 1,825 |
| Loan loss allowance to noncurrent loans | 58.2090% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.5284% | 363 |
| Noncurrent loans to loans | 2.4118% | 575 |
| Net loans and leases to total assets | 64.3980% | 3,260 |
| Net loans and leases to deposits | 71.7965% | 3,630 |
| Net loans and leases to core deposits | 72.8639% | 3,894 |
| Total domestic deposits to total assets | 89.6952% | 786 |
| Equity capital to assets | 9.9083% | 3,692 |
| Core capital (leverage) ratio | 9.5845% | 3,981 |
| Tier 1 risk-based capital ratio | 12.5630% | 4,205 |
| Total risk-based capital ratio | 13.7858% | 4,121 |
| Memoranda: | ||
| Average total assets | $155,456,500 | 3,410 |
| Average earning assets | $132,748,000 | 3,553 |
| Average equity | $15,587,500 | 3,639 |
| Average total loans | $106,114,500 | 3,261 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 1,378 |
| Cost of funding earning assets | 0.5967% | 1,615 |
| Net interest margin | 4.0202% | 1,688 |
| Noninterest income to average assets | 0.2381% | 4,707 |
| Noninterest expense to average assets | 2.5109% | 3,746 |
| Loan and lease loss provision to assets | 0.2321% | 834 |
| Net operating income to assets | 0.6049% | 3,989 |
| Return on assets (ROA) | 0.6214% | 3,964 |
| Pretax return on assets | 1.0419% | 3,410 |
| Return on Equity (ROE) | 6.0144% | 3,756 |
| Retained earnings to average equity (ytd only) | 3.1260% | 3,428 |
| Net charge-offs to loans | 0.1466% | 1,618 |
| Credit loss provision to net charge-offs | 214.7239% | 1,267 |
| Earnings coverage of net charge-offs (x) | 11.5460% | 2,564 |
| Efficiency ratio | 63.3557% | 3,704 |
| Assets per employee ($millions) | 6.3975% | 1,268 |
| Cash dividends to net income (ytd only)* | 48.0256% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,805 |
| Loan loss allowance to noncurrent loans | 39.9790% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.8540% | 296 |
| Noncurrent loans to loans | 3.4786% | 292 |
| Net loans and leases to total assets | 70.2872% | 2,483 |
| Net loans and leases to deposits | 78.5277% | 3,063 |
| Net loans and leases to core deposits | 79.8749% | 3,430 |
| Total domestic deposits to total assets | 89.5063% | 773 |
| Equity capital to assets | 10.1485% | 3,539 |
| Core capital (leverage) ratio | 9.6759% | 3,839 |
| Tier 1 risk-based capital ratio | 12.3099% | 4,323 |
| Total risk-based capital ratio | 13.5602% | 4,233 |
| Memoranda: | ||
| Average total assets | $150,783,400 | 3,462 |
| Average earning assets | $132,057,800 | 3,564 |
| Average equity | $15,579,200 | 3,648 |
| Average total loans | $111,154,000 | 3,163 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 1,301 |
| Cost of funding earning assets | 0.5877% | 1,618 |
| Net interest margin | 4.0389% | 1,573 |
| Noninterest income to average assets | 0.2478% | 4,722 |
| Noninterest expense to average assets | 2.5104% | 3,697 |
| Loan and lease loss provision to assets | 0.2043% | 922 |
| Net operating income to assets | 0.7333% | 3,806 |
| Return on assets (ROA) | 0.7568% | 3,770 |
| Pretax return on assets | 1.1148% | 3,252 |
| Return on Equity (ROE) | 7.2919% | 3,495 |
| Retained earnings to average equity (ytd only) | 3.4406% | 3,880 |
| Net charge-offs to loans | 0.1792% | 1,173 |
| Credit loss provision to net charge-offs | 153.3333% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.6398% | 2,670 |
| Efficiency ratio | 62.7341% | 3,771 |
| Assets per employee ($millions) | 6.7134% | 1,063 |
| Cash dividends to net income (ytd only)* | 52.8174% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,442 |
| Loan loss allowance to noncurrent loans | 43.7539% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.5790% | 406 |
| Noncurrent loans to loans | 2.9330% | 450 |
| Net loans and leases to total assets | 73.6976% | 1,967 |
| Net loans and leases to deposits | 82.8540% | 2,679 |
| Net loans and leases to core deposits | 84.3422% | 3,101 |
| Total domestic deposits to total assets | 88.9488% | 912 |
| Equity capital to assets | 10.5989% | 3,263 |
| Core capital (leverage) ratio | 9.8471% | 3,756 |
| Tier 1 risk-based capital ratio | 12.2151% | 4,487 |
| Total risk-based capital ratio | 13.3987% | 4,421 |
| Memoranda: | ||
| Average total assets | $150,094,250 | 3,503 |
| Average earning assets | $131,816,250 | 3,605 |
| Average equity | $15,578,500 | 3,682 |
| Average total loans | $111,582,250 | 3,186 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 1,041 |
| Cost of funding earning assets | 0.5767% | 1,601 |
| Net interest margin | 4.1323% | 1,246 |
| Noninterest income to average assets | 0.2386% | 4,812 |
| Noninterest expense to average assets | 2.4812% | 3,807 |
| Loan and lease loss provision to assets | 0.1591% | 1,252 |
| Net operating income to assets | 0.8579% | 3,127 |
| Return on assets (ROA) | 0.8523% | 3,197 |
| Pretax return on assets | 1.1995% | 2,774 |
| Return on Equity (ROE) | 8.2683% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.2683% | 1,063 |
| Net charge-offs to loans | 0.1571% | 1,221 |
| Credit loss provision to net charge-offs | 136.3636% | 1,624 |
| Earnings coverage of net charge-offs (x) | 11.7159% | 2,252 |
| Efficiency ratio | 61.1436% | 4,146 |
| Assets per employee ($millions) | 6.8563% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,722 |
| Loan loss allowance to noncurrent loans | 58.8717% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.9206% | 687 |
| Noncurrent loans to loans | 2.1156% | 784 |
| Net loans and leases to total assets | 71.8561% | 2,225 |
| Net loans and leases to deposits | 80.7436% | 2,833 |
| Net loans and leases to core deposits | 82.1618% | 3,238 |
| Total domestic deposits to total assets | 88.9929% | 960 |
| Equity capital to assets | 10.5861% | 3,247 |
| Core capital (leverage) ratio | 9.8188% | 3,754 |
| Tier 1 risk-based capital ratio | 12.6556% | 4,208 |
| Total risk-based capital ratio | 13.8245% | 4,160 |
| Memoranda: | ||
| Average total assets | $150,894,330 | 3,510 |
| Average earning assets | $131,791,670 | 3,623 |
| Average equity | $15,553,330 | 3,697 |
| Average total loans | $112,022,330 | 3,193 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 989 |
| Cost of funding earning assets | 0.5801% | 1,512 |
| Net interest margin | 4.0909% | 1,232 |
| Noninterest income to average assets | 0.2491% | 4,754 |
| Noninterest expense to average assets | 2.4463% | 3,977 |
| Loan and lease loss provision to assets | 0.1590% | 1,135 |
| Net operating income to assets | 0.8056% | 3,198 |
| Return on assets (ROA) | 0.7951% | 3,301 |
| Pretax return on assets | 1.1980% | 2,606 |
| Return on Equity (ROE) | 7.8196% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.8196% | 1,538 |
| Net charge-offs to loans | -0.0035% | 4,093 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6523% | 4,376 |
| Assets per employee ($millions) | 6.6296% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,787 |
| Loan loss allowance to noncurrent loans | 96.8100% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 1,454 |
| Noncurrent loans to loans | 1.2967% | 1,563 |
| Net loans and leases to total assets | 72.0180% | 2,073 |
| Net loans and leases to deposits | 80.5778% | 2,674 |
| Net loans and leases to core deposits | 81.9714% | 3,101 |
| Total domestic deposits to total assets | 89.3770% | 961 |
| Equity capital to assets | 10.1679% | 3,547 |
| Core capital (leverage) ratio | 9.4703% | 4,148 |
| Tier 1 risk-based capital ratio | 12.1424% | 4,627 |
| Total risk-based capital ratio | 13.3183% | 4,564 |
| Memoranda: | ||
| Average total assets | $150,922,000 | 3,545 |
| Average earning assets | $131,708,500 | 3,652 |
| Average equity | $15,346,000 | 3,741 |
| Average total loans | $113,156,500 | 3,198 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 709 |
| Cost of funding earning assets | 0.6050% | 1,299 |
| Net interest margin | 4.3147% | 911 |
| Noninterest income to average assets | 0.1231% | 5,570 |
| Noninterest expense to average assets | 2.5875% | 3,714 |
| Loan and lease loss provision to assets | 0.1716% | 1,418 |
| Net operating income to assets | 0.8169% | 3,227 |
| Return on assets (ROA) | 0.8304% | 3,265 |
| Pretax return on assets | 1.2382% | 2,520 |
| Return on Equity (ROE) | 8.2202% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.2226% | 2,189 |
| Net charge-offs to loans | 0.0168% | 3,735 |
| Credit loss provision to net charge-offs | 1,342.1053% | 302 |
| Earnings coverage of net charge-offs (x) | 108.6842% | 555 |
| Efficiency ratio | 61.7597% | 4,298 |
| Assets per employee ($millions) | 6.4941% | 1,160 |
| Cash dividends to net income (ytd only)* | 36.4668% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,369 |
| Loan loss allowance to noncurrent loans | 67.3902% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 1,007 |
| Noncurrent loans to loans | 1.7211% | 1,119 |
| Net loans and leases to total assets | 76.1690% | 1,488 |
| Net loans and leases to deposits | 85.5535% | 2,232 |
| Net loans and leases to core deposits | 87.0639% | 2,763 |
| Total domestic deposits to total assets | 89.0308% | 1,107 |
| Equity capital to assets | 10.1684% | 3,524 |
| Core capital (leverage) ratio | 9.3537% | 4,281 |
| Tier 1 risk-based capital ratio | 11.5620% | 5,013 |
| Total risk-based capital ratio | 12.6454% | 5,019 |
| Memoranda: | ||
| Average total assets | $148,600,600 | 3,545 |
| Average earning assets | $132,731,200 | 3,605 |
| Average equity | $15,011,800 | 3,806 |
| Average total loans | $112,918,400 | 3,178 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 656 |
| Cost of funding earning assets | 0.6027% | 1,300 |
| Net interest margin | 4.3485% | 844 |
| Noninterest income to average assets | 0.0997% | 5,715 |
| Noninterest expense to average assets | 2.5748% | 3,749 |
| Loan and lease loss provision to assets | 0.2111% | 1,000 |
| Net operating income to assets | 0.7911% | 3,410 |
| Return on assets (ROA) | 0.8077% | 3,470 |
| Pretax return on assets | 1.2218% | 2,744 |
| Return on Equity (ROE) | 8.0082% | 2,998 |
| Retained earnings to average equity (ytd only) | 3.9996% | 3,457 |
| Net charge-offs to loans | 0.0083% | 3,636 |
| Credit loss provision to net charge-offs | 3,357.1429% | 156 |
| Earnings coverage of net charge-offs (x) | 223.9314% | 348 |
| Efficiency ratio | 61.3580% | 4,328 |
| Assets per employee ($millions) | 6.3190% | 1,219 |
| Cash dividends to net income (ytd only)* | 50.0559% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,658 |
| Loan loss allowance to noncurrent loans | 439.4040% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 2,299 |
| Noncurrent loans to loans | 0.2579% | 4,341 |
| Net loans and leases to total assets | 76.3260% | 1,471 |
| Net loans and leases to deposits | 88.0418% | 2,013 |
| Net loans and leases to core deposits | 89.6143% | 2,608 |
| Total domestic deposits to total assets | 86.6929% | 2,035 |
| Equity capital to assets | 9.9304% | 4,205 |
| Core capital (leverage) ratio | 8.9532% | 4,878 |
| Tier 1 risk-based capital ratio | 10.7690% | 5,493 |
| Total risk-based capital ratio | 11.8381% | 5,496 |
| Memoranda: | ||
| Average total assets | $148,409,750 | 3,565 |
| Average earning assets | $132,518,500 | 3,625 |
| Average equity | $14,967,750 | 3,841 |
| Average total loans | $112,372,000 | 3,191 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 814 |
| Cost of funding earning assets | 0.6052% | 1,275 |
| Net interest margin | 4.2350% | 1,050 |
| Noninterest income to average assets | 0.2579% | 4,934 |
| Noninterest expense to average assets | 2.5698% | 3,821 |
| Loan and lease loss provision to assets | 0.1629% | 1,389 |
| Net operating income to assets | 0.8552% | 3,072 |
| Return on assets (ROA) | 0.8552% | 3,191 |
| Pretax return on assets | 1.2964% | 2,420 |
| Return on Equity (ROE) | 8.4354% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.4354% | 1,031 |
| Net charge-offs to loans | 0.0181% | 3,144 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 534 |
| Efficiency ratio | 60.5121% | 4,576 |
| Assets per employee ($millions) | 6.2370% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 4,173 |
| Loan loss allowance to noncurrent loans | 1,804.4776% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 2,511 |
| Noncurrent loans to loans | 0.0587% | 5,214 |
| Net loans and leases to total assets | 75.4451% | 1,573 |
| Net loans and leases to deposits | 85.7287% | 2,280 |
| Net loans and leases to core deposits | 87.2568% | 2,795 |
| Total domestic deposits to total assets | 88.0045% | 1,435 |
| Equity capital to assets | 10.2212% | 3,950 |
| Core capital (leverage) ratio | 9.1557% | 4,654 |
| Tier 1 risk-based capital ratio | 11.4718% | 5,176 |
| Total risk-based capital ratio | 12.4975% | 5,201 |
| Memoranda: | ||
| Average total assets | $147,327,670 | 3,600 |
| Average earning assets | $131,191,670 | 3,672 |
| Average equity | $14,937,000 | 3,868 |
| Average total loans | $110,802,670 | 3,225 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 822 |
| Cost of funding earning assets | 0.6033% | 1,311 |
| Net interest margin | 4.2106% | 1,074 |
| Noninterest income to average assets | 0.2545% | 4,922 |
| Noninterest expense to average assets | 2.5864% | 3,789 |
| Loan and lease loss provision to assets | 0.1642% | 1,261 |
| Net operating income to assets | 0.8047% | 3,222 |
| Return on assets (ROA) | 0.8047% | 3,336 |
| Pretax return on assets | 1.2481% | 2,514 |
| Return on Equity (ROE) | 7.9699% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.9699% | 1,467 |
| Net charge-offs to loans | 0.0073% | 2,870 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 258.0000% | 233 |
| Efficiency ratio | 61.3279% | 4,551 |
| Assets per employee ($millions) | 6.1571% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 4,265 |
| Loan loss allowance to noncurrent loans | 313.5501% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0476% | 2,114 |
| Noncurrent loans to loans | 0.3393% | 4,224 |
| Net loans and leases to total assets | 72.8240% | 1,900 |
| Net loans and leases to deposits | 81.6195% | 2,590 |
| Net loans and leases to core deposits | 83.0731% | 3,033 |
| Total domestic deposits to total assets | 89.2238% | 986 |
| Equity capital to assets | 10.0974% | 3,953 |
| Core capital (leverage) ratio | 9.0995% | 4,735 |
| Tier 1 risk-based capital ratio | 11.3069% | 5,340 |
| Total risk-based capital ratio | 12.3017% | 5,388 |
| Memoranda: | ||
| Average total assets | $146,147,000 | 3,632 |
| Average earning assets | $129,958,500 | 3,715 |
| Average equity | $14,755,500 | 3,900 |
| Average total loans | $109,133,000 | 3,255 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8764% | 813 |
| Cost of funding earning assets | 0.6283% | 1,187 |
| Net interest margin | 4.2481% | 1,070 |
| Noninterest income to average assets | 0.2704% | 4,934 |
| Noninterest expense to average assets | 2.3458% | 4,664 |
| Loan and lease loss provision to assets | 0.7828% | 124 |
| Net operating income to assets | 0.6813% | 3,899 |
| Return on assets (ROA) | 0.6813% | 3,997 |
| Pretax return on assets | 0.8884% | 3,888 |
| Return on Equity (ROE) | 7.0235% | 3,502 |
| Retained earnings to average equity (ytd only) | 4.2502% | 2,962 |
| Net charge-offs to loans | 0.9166% | 225 |
| Credit loss provision to net charge-offs | 116.1677% | 2,203 |
| Earnings coverage of net charge-offs (x) | 2.4800% | 3,899 |
| Efficiency ratio | 55.3993% | 5,403 |
| Assets per employee ($millions) | 5.7810% | 1,553 |
| Cash dividends to net income (ytd only)* | 39.4867% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 4,586 |
| Loan loss allowance to noncurrent loans | 146.5333% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.3347% | 1,585 |
| Noncurrent loans to loans | 0.6850% | 3,147 |
| Net loans and leases to total assets | 75.0035% | 1,572 |
| Net loans and leases to deposits | 84.6886% | 2,280 |
| Net loans and leases to core deposits | 86.0657% | 2,790 |
| Total domestic deposits to total assets | 88.5638% | 1,345 |
| Equity capital to assets | 10.0952% | 3,864 |
| Core capital (leverage) ratio | 8.7951% | 5,115 |
| Tier 1 risk-based capital ratio | 11.0322% | 5,511 |
| Total risk-based capital ratio | 11.9633% | 5,585 |
| Memoranda: | ||
| Average total assets | $148,692,600 | 3,589 |
| Average earning assets | $131,140,600 | 3,676 |
| Average equity | $14,423,000 | 3,918 |
| Average total loans | $109,319,200 | 3,210 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 946 |
| Cost of funding earning assets | 0.6227% | 1,260 |
| Net interest margin | 4.1735% | 1,226 |
| Noninterest income to average assets | 0.2743% | 4,976 |
| Noninterest expense to average assets | 2.2519% | 4,905 |
| Loan and lease loss provision to assets | 0.8388% | 82 |
| Net operating income to assets | 0.7409% | 3,725 |
| Return on assets (ROA) | 0.7409% | 3,819 |
| Pretax return on assets | 0.8539% | 4,160 |
| Return on Equity (ROE) | 7.7136% | 3,227 |
| Retained earnings to average equity (ytd only) | 2.9575% | 4,345 |
| Net charge-offs to loans | 0.9505% | 201 |
| Credit loss provision to net charge-offs | 120.9243% | 1,968 |
| Earnings coverage of net charge-offs (x) | 2.4403% | 3,670 |
| Efficiency ratio | 54.0632% | 5,505 |
| Assets per employee ($millions) | 5.9898% | 1,382 |
| Cash dividends to net income (ytd only)* | 61.6581% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 4,943 |
| Loan loss allowance to noncurrent loans | 100.0910% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0010% | 2,357 |
| Noncurrent loans to loans | 0.9577% | 2,588 |
| Net loans and leases to total assets | 75.8982% | 1,399 |
| Net loans and leases to deposits | 89.9146% | 1,663 |
| Net loans and leases to core deposits | 91.3947% | 2,325 |
| Total domestic deposits to total assets | 84.4114% | 3,255 |
| Equity capital to assets | 9.6551% | 4,568 |
| Core capital (leverage) ratio | 8.5658% | 5,501 |
| Tier 1 risk-based capital ratio | 10.4698% | 5,895 |
| Total risk-based capital ratio | 11.3693% | 5,953 |
| Memoranda: | ||
| Average total assets | $149,734,750 | 3,604 |
| Average earning assets | $131,683,750 | 3,702 |
| Average equity | $14,381,250 | 3,969 |
| Average total loans | $109,274,750 | 3,245 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 947 |
| Cost of funding earning assets | 0.6350% | 1,196 |
| Net interest margin | 4.1355% | 1,261 |
| Noninterest income to average assets | 0.2578% | 5,113 |
| Noninterest expense to average assets | 2.1919% | 5,137 |
| Loan and lease loss provision to assets | 0.3606% | 359 |
| Net operating income to assets | 0.9083% | 2,827 |
| Return on assets (ROA) | 0.9083% | 2,956 |
| Pretax return on assets | 1.3063% | 2,338 |
| Return on Equity (ROE) | 9.4736% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.4736% | 788 |
| Net charge-offs to loans | -0.0168% | 5,109 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8941% | 5,597 |
| Assets per employee ($millions) | 6.2767% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 4,483 |
| Loan loss allowance to noncurrent loans | 48.8353% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6529% | 1,452 |
| Noncurrent loans to loans | 2.1931% | 1,093 |
| Net loans and leases to total assets | 74.5634% | 1,574 |
| Net loans and leases to deposits | 85.0861% | 2,170 |
| Net loans and leases to core deposits | 86.4262% | 2,723 |
| Total domestic deposits to total assets | 87.6328% | 1,828 |
| Equity capital to assets | 9.7304% | 4,370 |
| Core capital (leverage) ratio | 8.6300% | 5,402 |
| Tier 1 risk-based capital ratio | 10.8129% | 5,796 |
| Total risk-based capital ratio | 11.8386% | 5,836 |
| Memoranda: | ||
| Average total assets | $149,731,670 | 3,633 |
| Average earning assets | $130,384,000 | 3,746 |
| Average equity | $14,355,670 | 3,987 |
| Average total loans | $107,448,670 | 3,292 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 944 |
| Cost of funding earning assets | 0.6473% | 1,135 |
| Net interest margin | 4.1047% | 1,261 |
| Noninterest income to average assets | 0.2599% | 5,098 |
| Noninterest expense to average assets | 2.1969% | 5,157 |
| Loan and lease loss provision to assets | 0.4608% | 233 |
| Net operating income to assets | 0.7341% | 3,622 |
| Return on assets (ROA) | 0.7341% | 3,754 |
| Pretax return on assets | 1.1360% | 2,922 |
| Return on Equity (ROE) | 7.7026% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.7026% | 1,684 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5791% | 5,549 |
| Assets per employee ($millions) | 6.3618% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 4,710 |
| Loan loss allowance to noncurrent loans | 40.4745% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 1.7946% | 1,370 |
| Noncurrent loans to loans | 2.6176% | 914 |
| Net loans and leases to total assets | 67.8303% | 2,472 |
| Net loans and leases to deposits | 75.4986% | 3,117 |
| Net loans and leases to core deposits | 76.6423% | 3,528 |
| Total domestic deposits to total assets | 89.8431% | 817 |
| Equity capital to assets | 9.4345% | 4,826 |
| Core capital (leverage) ratio | 8.1043% | 5,878 |
| Tier 1 risk-based capital ratio | 10.7636% | 5,910 |
| Total risk-based capital ratio | 11.7595% | 5,955 |
| Memoranda: | ||
| Average total assets | $149,301,500 | 3,666 |
| Average earning assets | $128,536,500 | 3,820 |
| Average equity | $14,229,000 | 4,039 |
| Average total loans | $104,403,500 | 3,366 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 1,054 |
| Cost of funding earning assets | 0.7403% | 893 |
| Net interest margin | 4.0873% | 1,619 |
| Noninterest income to average assets | 0.2908% | 5,037 |
| Noninterest expense to average assets | 2.2518% | 5,235 |
| Loan and lease loss provision to assets | 0.2623% | 844 |
| Net operating income to assets | 0.8697% | 3,023 |
| Return on assets (ROA) | 0.8697% | 3,118 |
| Pretax return on assets | 1.3031% | 2,232 |
| Return on Equity (ROE) | 8.8658% | 2,655 |
| Retained earnings to average equity (ytd only) | 5.7773% | 2,077 |
| Net charge-offs to loans | 0.2400% | 1,766 |
| Credit loss provision to net charge-offs | 154.6218% | 1,572 |
| Earnings coverage of net charge-offs (x) | 9.2269% | 2,778 |
| Efficiency ratio | 56.5266% | 5,616 |
| Assets per employee ($millions) | 4.8640% | 2,515 |
| Cash dividends to net income (ytd only)* | 34.8361% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 5,477 |
| Loan loss allowance to noncurrent loans | 36.0523% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 1,467 |
| Noncurrent loans to loans | 2.4959% | 1,019 |
| Net loans and leases to total assets | 70.7207% | 2,122 |
| Net loans and leases to deposits | 78.9206% | 2,849 |
| Net loans and leases to core deposits | 80.1764% | 3,279 |
| Total domestic deposits to total assets | 89.6100% | 920 |
| Equity capital to assets | 9.6307% | 4,553 |
| Core capital (leverage) ratio | 8.4422% | 5,620 |
| Tier 1 risk-based capital ratio | 10.7736% | 6,003 |
| Total risk-based capital ratio | 11.6025% | 6,111 |
| Memoranda: | ||
| Average total assets | $140,285,600 | 3,795 |
| Average earning assets | $121,033,200 | 3,940 |
| Average equity | $13,760,800 | 4,062 |
| Average total loans | $99,186,000 | 3,443 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 824 |
| Cost of funding earning assets | 0.7451% | 911 |
| Net interest margin | 4.2183% | 1,230 |
| Noninterest income to average assets | 0.2803% | 5,196 |
| Noninterest expense to average assets | 2.2004% | 5,349 |
| Loan and lease loss provision to assets | 0.1152% | 2,133 |
| Net operating income to assets | 1.0637% | 2,177 |
| Return on assets (ROA) | 1.0637% | 2,245 |
| Pretax return on assets | 1.5956% | 1,337 |
| Return on Equity (ROE) | 10.7929% | 1,876 |
| Retained earnings to average equity (ytd only) | 6.6530% | 2,010 |
| Net charge-offs to loans | 0.0095% | 4,397 |
| Credit loss provision to net charge-offs | 1,714.2857% | 207 |
| Earnings coverage of net charge-offs (x) | 254.6559% | 262 |
| Efficiency ratio | 54.6146% | 5,764 |
| Assets per employee ($millions) | 4.7819% | 2,548 |
| Cash dividends to net income (ytd only)* | 38.3571% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 5,657 |
| Loan loss allowance to noncurrent loans | 53.5506% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 2,563 |
| Noncurrent loans to loans | 1.6457% | 1,980 |
| Net loans and leases to total assets | 72.1263% | 1,826 |
| Net loans and leases to deposits | 82.2838% | 2,389 |
| Net loans and leases to core deposits | 83.8861% | 2,889 |
| Total domestic deposits to total assets | 87.6556% | 1,948 |
| Equity capital to assets | 9.7443% | 4,489 |
| Core capital (leverage) ratio | 8.5770% | 5,571 |
| Tier 1 risk-based capital ratio | 10.3949% | 6,237 |
| Total risk-based capital ratio | 11.1896% | 6,327 |
| Memoranda: | ||
| Average total assets | $138,877,250 | 3,851 |
| Average earning assets | $119,538,500 | 4,002 |
| Average equity | $13,687,750 | 4,099 |
| Average total loans | $97,949,500 | 3,492 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 832 |
| Cost of funding earning assets | 0.7487% | 930 |
| Net interest margin | 4.1943% | 1,261 |
| Noninterest income to average assets | 0.2752% | 5,226 |
| Noninterest expense to average assets | 2.1667% | 5,489 |
| Loan and lease loss provision to assets | 0.1048% | 2,271 |
| Net operating income to assets | 1.0615% | 2,070 |
| Return on assets (ROA) | 1.0615% | 2,152 |
| Pretax return on assets | 1.5930% | 1,267 |
| Return on Equity (ROE) | 10.7279% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.7279% | 579 |
| Net charge-offs to loans | 0.0021% | 4,324 |
| Credit loss provision to net charge-offs | 7,200.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,166.0000% | 48 |
| Efficiency ratio | 53.5418% | 5,947 |
| Assets per employee ($millions) | 5.0278% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 5,774 |
| Loan loss allowance to noncurrent loans | 3,658.3333% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 6,183 |
| Noncurrent loans to loans | 0.0241% | 5,997 |
| Net loans and leases to total assets | 70.0457% | 2,076 |
| Net loans and leases to deposits | 78.5685% | 2,722 |
| Net loans and leases to core deposits | 80.1015% | 3,199 |
| Total domestic deposits to total assets | 89.1524% | 1,275 |
| Equity capital to assets | 9.9703% | 4,148 |
| Core capital (leverage) ratio | 8.6534% | 5,465 |
| Tier 1 risk-based capital ratio | 10.8819% | 6,102 |
| Total risk-based capital ratio | 11.6750% | 6,224 |
| Memoranda: | ||
| Average total assets | $137,350,330 | 3,899 |
| Average earning assets | $117,541,000 | 4,072 |
| Average equity | $13,590,670 | 4,118 |
| Average total loans | $95,802,330 | 3,543 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 760 |
| Cost of funding earning assets | 0.7452% | 990 |
| Net interest margin | 4.2261% | 1,154 |
| Noninterest income to average assets | 0.2743% | 5,182 |
| Noninterest expense to average assets | 2.2295% | 5,386 |
| Loan and lease loss provision to assets | 0.0885% | 2,442 |
| Net operating income to assets | 1.0115% | 2,165 |
| Return on assets (ROA) | 1.0115% | 2,233 |
| Pretax return on assets | 1.5689% | 1,240 |
| Return on Equity (ROE) | 10.2633% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.2633% | 907 |
| Net charge-offs to loans | 0.0128% | 3,349 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 187.3333% | 261 |
| Efficiency ratio | 54.8558% | 5,936 |
| Assets per employee ($millions) | 4.9403% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 5,905 |
| Loan loss allowance to noncurrent loans | 458.2418% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 5,854 |
| Noncurrent loans to loans | 0.1934% | 5,511 |
| Net loans and leases to total assets | 67.4402% | 2,311 |
| Net loans and leases to deposits | 75.4910% | 2,872 |
| Net loans and leases to core deposits | 76.9874% | 3,308 |
| Total domestic deposits to total assets | 89.3354% | 1,454 |
| Equity capital to assets | 9.8065% | 4,099 |
| Core capital (leverage) ratio | 8.6058% | 5,521 |
| Tier 1 risk-based capital ratio | 11.1498% | 6,098 |
| Total risk-based capital ratio | 11.9496% | 6,236 |
| Memoranda: | ||
| Average total assets | $135,636,500 | 3,967 |
| Average earning assets | $115,947,000 | 4,143 |
| Average equity | $13,368,000 | 4,174 |
| Average total loans | $93,960,000 | 3,609 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2248% | 605 |
| Cost of funding earning assets | 0.7709% | 1,369 |
| Net interest margin | 4.4538% | 817 |
| Noninterest income to average assets | 0.2961% | 5,233 |
| Noninterest expense to average assets | 2.3685% | 5,170 |
| Loan and lease loss provision to assets | 0.0834% | 3,451 |
| Net operating income to assets | 1.1641% | 1,705 |
| Return on assets (ROA) | 1.1641% | 1,761 |
| Pretax return on assets | 1.7189% | 911 |
| Return on Equity (ROE) | 13.0969% | 1,151 |
| Retained earnings to average equity (ytd only) | 11.5986% | 360 |
| Net charge-offs to loans | 0.0460% | 4,575 |
| Credit loss provision to net charge-offs | 241.6667% | 949 |
| Earnings coverage of net charge-offs (x) | 52.2500% | 769 |
| Efficiency ratio | 55.5249% | 5,996 |
| Assets per employee ($millions) | 4.7481% | 2,517 |
| Cash dividends to net income (ytd only)* | 11.4403% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 6,034 |
| Loan loss allowance to noncurrent loans | 11,528.5714% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 6,379 |
| Noncurrent loans to loans | 0.0075% | 6,274 |
| Net loans and leases to total assets | 69.9464% | 2,017 |
| Net loans and leases to deposits | 78.4708% | 2,662 |
| Net loans and leases to core deposits | 80.4678% | 3,069 |
| Total domestic deposits to total assets | 89.1369% | 1,528 |
| Equity capital to assets | 9.9070% | 3,893 |
| Core capital (leverage) ratio | 8.6323% | 5,495 |
| Tier 1 risk-based capital ratio | 10.9924% | 6,176 |
| Total risk-based capital ratio | 11.7807% | 6,313 |
| Memoranda: | ||
| Average total assets | $104,371,400 | 4,631 |
| Average earning assets | $90,798,600 | 4,750 |
| Average equity | $9,277,000 | 5,025 |
| Average total loans | $78,196,000 | 3,997 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 685 |
| Cost of funding earning assets | 0.7614% | 1,536 |
| Net interest margin | 4.4140% | 866 |
| Noninterest income to average assets | 0.3538% | 4,864 |
| Noninterest expense to average assets | 2.3779% | 5,085 |
| Loan and lease loss provision to assets | 0.0864% | 3,334 |
| Net operating income to assets | 1.1300% | 1,884 |
| Return on assets (ROA) | 1.1300% | 1,957 |
| Pretax return on assets | 1.7375% | 1,020 |
| Return on Equity (ROE) | 13.2310% | 1,185 |
| Retained earnings to average equity (ytd only) | 10.9991% | 574 |
| Net charge-offs to loans | 0.0377% | 4,391 |
| Credit loss provision to net charge-offs | 300.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 63.3318% | 724 |
| Efficiency ratio | 55.8747% | 5,915 |
| Assets per employee ($millions) | 4.5967% | 2,724 |
| Cash dividends to net income (ytd only)* | 16.8690% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,111 |
| Loan loss allowance to noncurrent loans | 228.0000% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 5,601 |
| Noncurrent loans to loans | 0.3853% | 5,238 |
| Net loans and leases to total assets | 69.9630% | 1,976 |
| Net loans and leases to deposits | 78.6782% | 2,564 |
| Net loans and leases to core deposits | 81.0790% | 2,994 |
| Total domestic deposits to total assets | 88.9230% | 1,602 |
| Equity capital to assets | 9.9660% | 3,947 |
| Core capital (leverage) ratio | 8.6786% | 5,566 |
| Tier 1 risk-based capital ratio | 10.6561% | 6,408 |
| Total risk-based capital ratio | 11.4414% | 6,510 |
| Memoranda: | ||
| Average total assets | $97,227,750 | 4,849 |
| Average earning assets | $84,759,000 | 4,956 |
| Average equity | $8,303,500 | 5,317 |
| Average total loans | $74,295,500 | 4,139 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 564 |
| Cost of funding earning assets | 0.8133% | 1,346 |
| Net interest margin | 4.4506% | 777 |
| Noninterest income to average assets | 0.4381% | 4,261 |
| Noninterest expense to average assets | 2.4742% | 4,818 |
| Loan and lease loss provision to assets | 0.0876% | 3,331 |
| Net operating income to assets | 1.1553% | 1,717 |
| Return on assets (ROA) | 1.1553% | 1,836 |
| Pretax return on assets | 1.7502% | 1,017 |
| Return on Equity (ROE) | 14.7447% | 858 |
| Retained earnings to average equity (ytd only) | 14.7447% | 254 |
| Net charge-offs to loans | 0.0087% | 4,711 |
| Credit loss provision to net charge-offs | 1,266.6667% | 248 |
| Earnings coverage of net charge-offs (x) | 265.6667% | 191 |
| Efficiency ratio | 57.3797% | 5,816 |
| Assets per employee ($millions) | 4.0621% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,340 |
| Loan loss allowance to noncurrent loans | 187.8860% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 5,029 |
| Noncurrent loans to loans | 0.5996% | 4,757 |
| Net loans and leases to total assets | 81.3760% | 399 |
| Net loans and leases to deposits | 89.8637% | 1,159 |
| Net loans and leases to core deposits | 92.0003% | 1,709 |
| Total domestic deposits to total assets | 90.5550% | 727 |
| Equity capital to assets | 8.2634% | 6,005 |
| Core capital (leverage) ratio | 8.2674% | 5,929 |
| Tier 1 risk-based capital ratio | 9.8184% | 6,671 |
| Total risk-based capital ratio | 11.0873% | 6,650 |
| Memoranda: | ||
| Average total assets | $86,734,330 | 5,134 |
| Average earning assets | $75,495,000 | 5,241 |
| Average equity | $6,795,670 | 5,736 |
| Average total loans | $68,778,670 | 4,355 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2931% | 519 |
| Cost of funding earning assets | 0.8180% | 1,429 |
| Net interest margin | 4.4751% | 707 |
| Noninterest income to average assets | 0.2653% | 5,562 |
| Noninterest expense to average assets | 2.3602% | 5,238 |
| Loan and lease loss provision to assets | 0.0823% | 3,278 |
| Net operating income to assets | 1.0337% | 2,094 |
| Return on assets (ROA) | 1.0337% | 2,205 |
| Pretax return on assets | 1.7016% | 1,071 |
| Return on Equity (ROE) | 13.5553% | 1,042 |
| Retained earnings to average equity (ytd only) | 13.5553% | 490 |
| Net charge-offs to loans | 0.0235% | 3,709 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 386 |
| Efficiency ratio | 56.9536% | 5,971 |
| Assets per employee ($millions) | 3.8218% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 76.3953% | 790 |
| Net loans and leases to deposits | 83.8710% | 1,611 |
| Net loans and leases to core deposits | 85.7824% | 2,128 |
| Total domestic deposits to total assets | 91.0867% | 493 |
| Equity capital to assets | 7.7154% | 6,515 |
| Core capital (leverage) ratio | 7.8114% | 6,275 |
| Tier 1 risk-based capital ratio | 9.6537% | 6,741 |
| Total risk-based capital ratio | 10.9205% | 6,721 |
| Memoranda: | ||
| Average total assets | $87,449,500 | 5,163 |
| Average earning assets | $75,796,500 | 5,274 |
| Average equity | $6,669,000 | 5,823 |
| Average total loans | $68,064,000 | 4,420 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6345% | 480 |
| Cost of funding earning assets | 0.9855% | 1,429 |
| Net interest margin | 4.6489% | 718 |
| Noninterest income to average assets | 0.1747% | 6,152 |
| Noninterest expense to average assets | 2.3608% | 5,523 |
| Loan and lease loss provision to assets | 0.0733% | 4,806 |
| Net operating income to assets | 1.1010% | 1,932 |
| Return on assets (ROA) | 1.1010% | 2,118 |
| Pretax return on assets | 1.7351% | 1,057 |
| Return on Equity (ROE) | 14.4502% | 911 |
| Retained earnings to average equity (ytd only) | 12.8464% | 263 |
| Net charge-offs to loans | 0.0080% | 5,836 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 296.0000% | 133 |
| Efficiency ratio | 56.6237% | 5,991 |
| Assets per employee ($millions) | 4.1427% | 3,664 |
| Cash dividends to net income (ytd only)* | 11.0988% | 4,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,526 |
| Loan loss allowance to noncurrent loans | 1,163.0769% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 6,421 |
| Noncurrent loans to loans | 0.0953% | 6,248 |
| Net loans and leases to total assets | 77.5303% | 726 |
| Net loans and leases to deposits | 85.0094% | 1,638 |
| Net loans and leases to core deposits | 87.8094% | 2,112 |
| Total domestic deposits to total assets | 91.2020% | 429 |
| Equity capital to assets | 7.5359% | 6,618 |
| Core capital (leverage) ratio | 7.6425% | 6,432 |
| Tier 1 risk-based capital ratio | 9.4960% | 6,803 |
| Total risk-based capital ratio | 10.7647% | 6,789 |
| Memoranda: | ||
| Average total assets | $81,838,000 | 5,302 |
| Average earning assets | $70,317,400 | 5,416 |
| Average equity | $6,235,200 | 5,957 |
| Average total loans | $62,251,600 | 4,623 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6310% | 531 |
| Cost of funding earning assets | 1.0265% | 1,415 |
| Net interest margin | 4.6046% | 810 |
| Noninterest income to average assets | 0.5181% | 3,811 |
| Noninterest expense to average assets | 2.3588% | 5,519 |
| Loan and lease loss provision to assets | 0.0546% | 5,061 |
| Net operating income to assets | 1.3888% | 1,255 |
| Return on assets (ROA) | 1.3888% | 1,374 |
| Pretax return on assets | 2.0476% | 633 |
| Return on Equity (ROE) | 18.1745% | 483 |
| Retained earnings to average equity (ytd only) | 17.8712% | 124 |
| Net charge-offs to loans | 0.0154% | 5,472 |
| Credit loss provision to net charge-offs | 471.4286% | 567 |
| Earnings coverage of net charge-offs (x) | 181.4887% | 250 |
| Efficiency ratio | 52.8757% | 6,364 |
| Assets per employee ($millions) | 3.9856% | 3,901 |
| Cash dividends to net income (ytd only)* | 1.6690% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 5,682 |
| Loan loss allowance to noncurrent loans | 944.1558% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 4,801 |
| Noncurrent loans to loans | 0.1174% | 6,318 |
| Net loans and leases to total assets | 77.5024% | 789 |
| Net loans and leases to deposits | 85.3436% | 1,682 |
| Net loans and leases to core deposits | 86.8043% | 2,369 |
| Total domestic deposits to total assets | 90.8122% | 468 |
| Equity capital to assets | 7.8628% | 6,657 |
| Core capital (leverage) ratio | 7.9253% | 6,385 |
| Tier 1 risk-based capital ratio | 9.9345% | 6,812 |
| Total risk-based capital ratio | 11.2131% | 6,786 |
| Memoranda: | ||
| Average total assets | $80,548,250 | 5,388 |
| Average earning assets | $68,973,000 | 5,529 |
| Average equity | $6,155,000 | 6,051 |
| Average total loans | $60,763,250 | 4,737 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 691 |
| Cost of funding earning assets | 1.0721% | 1,349 |
| Net interest margin | 4.4469% | 1,088 |
| Noninterest income to average assets | 0.6138% | 3,174 |
| Noninterest expense to average assets | 2.3950% | 5,476 |
| Loan and lease loss provision to assets | 0.0453% | 5,106 |
| Net operating income to assets | 1.3686% | 1,262 |
| Return on assets (ROA) | 1.3686% | 1,423 |
| Pretax return on assets | 1.9824% | 713 |
| Return on Equity (ROE) | 18.0941% | 493 |
| Retained earnings to average equity (ytd only) | 18.0941% | 140 |
| Net charge-offs to loans | 0.0237% | 5,060 |
| Credit loss provision to net charge-offs | 257.1429% | 1,115 |
| Earnings coverage of net charge-offs (x) | 115.1429% | 376 |
| Efficiency ratio | 54.1524% | 6,302 |
| Assets per employee ($millions) | 3.8536% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 5,671 |
| Loan loss allowance to noncurrent loans | 1,873.6842% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 4,950 |
| Noncurrent loans to loans | 0.0600% | 6,524 |
| Net loans and leases to total assets | 77.3620% | 802 |
| Net loans and leases to deposits | 85.0810% | 1,712 |
| Net loans and leases to core deposits | 86.5860% | 2,352 |
| Total domestic deposits to total assets | 90.9275% | 474 |
| Equity capital to assets | 7.7960% | 6,677 |
| Core capital (leverage) ratio | 7.9033% | 6,367 |
| Tier 1 risk-based capital ratio | 9.7774% | 6,876 |
| Total risk-based capital ratio | 11.0674% | 6,865 |
| Memoranda: | ||
| Average total assets | $79,498,330 | 5,452 |
| Average earning assets | $68,091,670 | 5,587 |
| Average equity | $6,013,000 | 6,114 |
| Average total loans | $59,152,670 | 4,822 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4257% | 877 |
| Cost of funding earning assets | 1.0792% | 1,505 |
| Net interest margin | 4.3465% | 1,341 |
| Noninterest income to average assets | 0.3351% | 5,180 |
| Noninterest expense to average assets | 2.4218% | 5,399 |
| Loan and lease loss provision to assets | 0.0457% | 4,829 |
| Net operating income to assets | 1.0357% | 2,342 |
| Return on assets (ROA) | 1.0357% | 2,533 |
| Pretax return on assets | 1.5891% | 1,604 |
| Return on Equity (ROE) | 13.9130% | 1,206 |
| Retained earnings to average equity (ytd only) | 13.9130% | 576 |
| Net charge-offs to loans | 0.0070% | 4,641 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 99 |
| Efficiency ratio | 59.6996% | 5,665 |
| Assets per employee ($millions) | 3.8130% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 5,255 |
| Loan loss allowance to noncurrent loans | 313.7168% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 4,446 |
| Noncurrent loans to loans | 0.3979% | 5,878 |
| Net loans and leases to total assets | 70.0482% | 1,746 |
| Net loans and leases to deposits | 76.6840% | 2,706 |
| Net loans and leases to core deposits | 78.0488% | 3,315 |
| Total domestic deposits to total assets | 91.3465% | 424 |
| Equity capital to assets | 7.4508% | 6,801 |
| Core capital (leverage) ratio | 7.5671% | 6,586 |
| Tier 1 risk-based capital ratio | 8.9735% | 7,035 |
| Total risk-based capital ratio | 10.4935% | 7,001 |
| Memoranda: | ||
| Average total assets | $78,784,500 | 5,520 |
| Average earning assets | $67,456,500 | 5,642 |
| Average equity | $5,865,000 | 6,185 |
| Average total loans | $57,070,000 | 4,942 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8733% | 550 |
| Cost of funding earning assets | 1.4211% | 949 |
| Net interest margin | 4.4522% | 1,258 |
| Noninterest income to average assets | 0.2549% | 5,705 |
| Noninterest expense to average assets | 2.5464% | 5,310 |
| Loan and lease loss provision to assets | 0.1350% | 4,930 |
| Net operating income to assets | 0.8956% | 2,621 |
| Return on assets (ROA) | 0.8956% | 2,755 |
| Pretax return on assets | 1.3380% | 1,992 |
| Return on Equity (ROE) | 11.7711% | 1,475 |
| Retained earnings to average equity (ytd only) | 8.9823% | 808 |
| Net charge-offs to loans | 0.0879% | 5,453 |
| Credit loss provision to net charge-offs | 204.1667% | 1,218 |
| Earnings coverage of net charge-offs (x) | 22.2708% | 1,066 |
| Efficiency ratio | 63.3528% | 5,239 |
| Assets per employee ($millions) | 3.6903% | 4,570 |
| Cash dividends to net income (ytd only)* | 23.6923% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 5,285 |
| Loan loss allowance to noncurrent loans | 233.6667% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 1.1523% | 4,312 |
| Noncurrent loans to loans | 0.5232% | 5,665 |
| Net loans and leases to total assets | 73.0880% | 1,437 |
| Net loans and leases to deposits | 79.9100% | 2,540 |
| Net loans and leases to core deposits | 81.3784% | 3,266 |
| Total domestic deposits to total assets | 91.4629% | 340 |
| Equity capital to assets | 7.4377% | 6,841 |
| Core capital (leverage) ratio | 7.4701% | 6,666 |
| Tier 1 risk-based capital ratio | 9.6017% | 6,939 |
| Total risk-based capital ratio | 11.2718% | 6,839 |
| Memoranda: | ||
| Average total assets | $72,573,200 | 5,678 |
| Average earning assets | $61,362,800 | 5,823 |
| Average equity | $5,522,000 | 6,289 |
| Average total loans | $54,594,600 | 5,087 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9194% | 540 |
| Cost of funding earning assets | 1.4483% | 1,030 |
| Net interest margin | 4.4711% | 1,213 |
| Noninterest income to average assets | 0.3738% | 4,879 |
| Noninterest expense to average assets | 2.5903% | 5,119 |
| Loan and lease loss provision to assets | 0.1794% | 4,236 |
| Net operating income to assets | 0.8167% | 3,072 |
| Return on assets (ROA) | 0.8167% | 3,242 |
| Pretax return on assets | 1.3774% | 2,017 |
| Return on Equity (ROE) | 10.6683% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.3267% | 758 |
| Net charge-offs to loans | 0.1088% | 4,912 |
| Credit loss provision to net charge-offs | 218.1818% | 1,308 |
| Earnings coverage of net charge-offs (x) | 18.9303% | 1,279 |
| Efficiency ratio | 62.4606% | 5,342 |
| Assets per employee ($millions) | 3.3686% | 5,321 |
| Cash dividends to net income (ytd only)* | 3.2043% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 5,210 |
| Loan loss allowance to noncurrent loans | 164.6370% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.4303% | 3,973 |
| Noncurrent loans to loans | 0.7631% | 5,344 |
| Net loans and leases to total assets | 74.5523% | 1,224 |
| Net loans and leases to deposits | 81.9429% | 2,366 |
| Net loans and leases to core deposits | 86.7497% | 2,681 |
| Total domestic deposits to total assets | 90.9809% | 436 |
| Equity capital to assets | 7.6819% | 6,850 |
| Core capital (leverage) ratio | 7.8535% | 6,526 |
| Tier 1 risk-based capital ratio | 9.5674% | 7,043 |
| Total risk-based capital ratio | 11.2563% | 6,939 |
| Memoranda: | ||
| Average total assets | $71,342,250 | 5,749 |
| Average earning assets | $60,207,000 | 5,899 |
| Average equity | $5,461,500 | 6,350 |
| Average total loans | $53,907,750 | 5,167 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8747% | 615 |
| Cost of funding earning assets | 1.4720% | 1,108 |
| Net interest margin | 4.4027% | 1,359 |
| Noninterest income to average assets | 0.2584% | 5,801 |
| Noninterest expense to average assets | 2.5959% | 5,206 |
| Loan and lease loss provision to assets | 0.2130% | 3,785 |
| Net operating income to assets | 0.6845% | 3,631 |
| Return on assets (ROA) | 0.6845% | 3,747 |
| Pretax return on assets | 1.1701% | 2,599 |
| Return on Equity (ROE) | 8.9519% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.9519% | 1,122 |
| Net charge-offs to loans | 0.1691% | 4,164 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 10.8222% | 1,767 |
| Efficiency ratio | 65.2391% | 5,016 |
| Assets per employee ($millions) | 3.4295% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 5,332 |
| Loan loss allowance to noncurrent loans | 389.7143% | 828 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 4,653 |
| Noncurrent loans to loans | 0.3198% | 6,272 |
| Net loans and leases to total assets | 75.0455% | 1,235 |
| Net loans and leases to deposits | 82.4063% | 2,389 |
| Net loans and leases to core deposits | 84.7597% | 3,104 |
| Total domestic deposits to total assets | 91.0676% | 476 |
| Equity capital to assets | 7.6549% | 6,877 |
| Core capital (leverage) ratio | 7.8933% | 6,417 |
| Tier 1 risk-based capital ratio | 9.8520% | 7,021 |
| Total risk-based capital ratio | 11.6111% | 6,835 |
| Memoranda: | ||
| Average total assets | $70,420,000 | 5,815 |
| Average earning assets | $59,509,000 | 5,970 |
| Average equity | $5,384,330 | 6,415 |
| Average total loans | $53,226,000 | 5,237 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8455% | 676 |
| Cost of funding earning assets | 1.5193% | 1,095 |
| Net interest margin | 4.3262% | 1,482 |
| Noninterest income to average assets | 0.3045% | 5,490 |
| Noninterest expense to average assets | 2.6429% | 5,070 |
| Loan and lease loss provision to assets | 0.2068% | 3,569 |
| Net operating income to assets | 0.5918% | 4,074 |
| Return on assets (ROA) | 0.5918% | 4,144 |
| Pretax return on assets | 1.1031% | 2,741 |
| Return on Equity (ROE) | 7.7444% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.7444% | 1,831 |
| Net charge-offs to loans | 0.0381% | 4,576 |
| Credit loss provision to net charge-offs | 720.0000% | 531 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 618 |
| Efficiency ratio | 66.8605% | 4,882 |
| Assets per employee ($millions) | 3.3089% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 5,157 |
| Loan loss allowance to noncurrent loans | 421.6049% | 742 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 4,651 |
| Noncurrent loans to loans | 0.3071% | 6,372 |
| Net loans and leases to total assets | 74.9378% | 1,191 |
| Net loans and leases to deposits | 82.3976% | 2,292 |
| Net loans and leases to core deposits | 84.8272% | 3,057 |
| Total domestic deposits to total assets | 90.9465% | 653 |
| Equity capital to assets | 7.7266% | 6,728 |
| Core capital (leverage) ratio | 7.7582% | 6,503 |
| Tier 1 risk-based capital ratio | 9.4211% | 7,166 |
| Total risk-based capital ratio | 11.1482% | 7,043 |
| Memoranda: | ||
| Average total assets | $69,620,500 | 5,873 |
| Average earning assets | $58,712,000 | 6,042 |
| Average equity | $5,320,000 | 6,449 |
| Average total loans | $52,474,500 | 5,313 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2087% | 549 |
| Cost of funding earning assets | 1.7004% | 1,595 |
| Net interest margin | 4.5083% | 1,212 |
| Noninterest income to average assets | 0.3662% | 5,177 |
| Noninterest expense to average assets | 2.6214% | 5,330 |
| Loan and lease loss provision to assets | 0.2372% | 4,912 |
| Net operating income to assets | 0.9845% | 2,093 |
| Return on assets (ROA) | 0.9845% | 2,203 |
| Pretax return on assets | 1.4427% | 1,531 |
| Return on Equity (ROE) | 13.3242% | 1,018 |
| Retained earnings to average equity (ytd only) | 11.7590% | 296 |
| Net charge-offs to loans | 0.0152% | 6,672 |
| Credit loss provision to net charge-offs | 2,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 141.6250% | 174 |
| Efficiency ratio | 60.9445% | 5,901 |
| Assets per employee ($millions) | 3.3216% | 5,382 |
| Cash dividends to net income (ytd only)* | 11.7470% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 5,269 |
| Loan loss allowance to noncurrent loans | 732.5843% | 468 |
| Noncurrent assets plus other real estate owned to assets | 1.0351% | 4,928 |
| Noncurrent loans to loans | 0.1705% | 6,725 |
| Net loans and leases to total assets | 73.8911% | 1,681 |
| Net loans and leases to deposits | 83.1229% | 2,602 |
| Net loans and leases to core deposits | 85.6123% | 3,381 |
| Total domestic deposits to total assets | 88.8938% | 1,719 |
| Equity capital to assets | 7.5566% | 6,849 |
| Core capital (leverage) ratio | 7.5262% | 6,685 |
| Tier 1 risk-based capital ratio | 8.8015% | 7,275 |
| Total risk-based capital ratio | 10.3948% | 7,218 |
| Memoranda: | ||
| Average total assets | $67,445,000 | 5,951 |
| Average earning assets | $58,868,600 | 6,033 |
| Average equity | $4,983,400 | 6,668 |
| Average total loans | $52,510,200 | 5,380 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2077% | 609 |
| Cost of funding earning assets | 1.7212% | 1,764 |
| Net interest margin | 4.4865% | 1,287 |
| Noninterest income to average assets | 0.3768% | 5,142 |
| Noninterest expense to average assets | 2.6380% | 5,164 |
| Loan and lease loss provision to assets | 0.2472% | 4,617 |
| Net operating income to assets | 0.8494% | 2,811 |
| Return on assets (ROA) | 0.8494% | 2,944 |
| Pretax return on assets | 1.4416% | 1,769 |
| Return on Equity (ROE) | 11.5645% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.1844% | 579 |
| Net charge-offs to loans | 0.0101% | 6,523 |
| Credit loss provision to net charge-offs | 3,100.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 211.8780% | 154 |
| Efficiency ratio | 60.9677% | 5,803 |
| Assets per employee ($millions) | 3.1900% | 5,695 |
| Cash dividends to net income (ytd only)* | 3.2870% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 5,762 |
| Loan loss allowance to noncurrent loans | 968.7500% | 379 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 5,022 |
| Noncurrent loans to loans | 0.1177% | 6,950 |
| Net loans and leases to total assets | 80.2645% | 703 |
| Net loans and leases to deposits | 91.6795% | 1,492 |
| Net loans and leases to core deposits | 94.5872% | 2,439 |
| Total domestic deposits to total assets | 87.5491% | 2,234 |
| Equity capital to assets | 7.6279% | 7,044 |
| Core capital (leverage) ratio | 7.5660% | 6,800 |
| Tier 1 risk-based capital ratio | 9.0381% | 7,357 |
| Total risk-based capital ratio | 10.6733% | 7,275 |
| Memoranda: | ||
| Average total assets | $66,867,750 | 6,028 |
| Average earning assets | $58,872,000 | 6,098 |
| Average equity | $4,911,500 | 6,780 |
| Average total loans | $52,589,250 | 5,460 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1331% | 708 |
| Cost of funding earning assets | 1.7426% | 1,907 |
| Net interest margin | 4.3905% | 1,474 |
| Noninterest income to average assets | 0.4250% | 4,714 |
| Noninterest expense to average assets | 2.7294% | 4,792 |
| Loan and lease loss provision to assets | 0.2634% | 4,293 |
| Net operating income to assets | 0.7632% | 3,136 |
| Return on assets (ROA) | 0.7632% | 3,289 |
| Pretax return on assets | 1.2929% | 2,111 |
| Return on Equity (ROE) | 10.5256% | 1,919 |
| Retained earnings to average equity (ytd only) | 10.5256% | 742 |
| Net charge-offs to loans | -0.0038% | 7,094 |
| Credit loss provision to net charge-offs | -8,800.0000% | 7,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6872% | 5,390 |
| Assets per employee ($millions) | 3.2145% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,967 |
| Loan loss allowance to noncurrent loans | 311.6402% | 937 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 4,548 |
| Noncurrent loans to loans | 0.3513% | 6,534 |
| Net loans and leases to total assets | 78.8205% | 991 |
| Net loans and leases to deposits | 88.6769% | 2,058 |
| Net loans and leases to core deposits | 91.4241% | 3,072 |
| Total domestic deposits to total assets | 88.8851% | 1,503 |
| Equity capital to assets | 7.3477% | 7,196 |
| Core capital (leverage) ratio | 7.3023% | 6,996 |
| Tier 1 risk-based capital ratio | 8.8176% | 7,445 |
| Total risk-based capital ratio | 10.4083% | 7,380 |
| Memoranda: | ||
| Average total assets | $66,826,670 | 6,067 |
| Average earning assets | $58,762,670 | 6,149 |
| Average equity | $4,845,330 | 6,829 |
| Average total loans | $51,989,000 | 5,515 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0979% | 780 |
| Cost of funding earning assets | 1.7826% | 1,955 |
| Net interest margin | 4.3154% | 1,643 |
| Noninterest income to average assets | 0.3550% | 5,298 |
| Noninterest expense to average assets | 2.6832% | 4,983 |
| Loan and lease loss provision to assets | 0.2166% | 4,340 |
| Net operating income to assets | 0.8122% | 2,912 |
| Return on assets (ROA) | 0.8122% | 3,008 |
| Pretax return on assets | 1.2273% | 2,274 |
| Return on Equity (ROE) | 11.2782% | 1,696 |
| Retained earnings to average equity (ytd only) | 11.2782% | 866 |
| Net charge-offs to loans | 0.0078% | 5,485 |
| Credit loss provision to net charge-offs | 3,600.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 141 |
| Efficiency ratio | 65.0146% | 5,306 |
| Assets per employee ($millions) | 3.1953% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,260 |
| Loan loss allowance to noncurrent loans | 126.4151% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 1.6080% | 4,078 |
| Noncurrent loans to loans | 0.8262% | 5,657 |
| Net loans and leases to total assets | 75.6814% | 1,611 |
| Net loans and leases to deposits | 84.8490% | 2,793 |
| Net loans and leases to core deposits | 87.4890% | 3,685 |
| Total domestic deposits to total assets | 89.1954% | 1,419 |
| Equity capital to assets | 7.2249% | 7,268 |
| Core capital (leverage) ratio | 7.2660% | 7,060 |
| Tier 1 risk-based capital ratio | 8.8784% | 7,499 |
| Total risk-based capital ratio | 10.4221% | 7,444 |
| Memoranda: | ||
| Average total assets | $66,488,000 | 6,151 |
| Average earning assets | $58,118,000 | 6,237 |
| Average equity | $4,788,000 | 6,919 |
| Average total loans | $51,085,500 | 5,628 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3282% | 968 |
| Cost of funding earning assets | 2.2155% | 1,966 |
| Net interest margin | 4.1127% | 2,398 |
| Noninterest income to average assets | 0.3687% | 5,454 |
| Noninterest expense to average assets | 2.8161% | 4,899 |
| Loan and lease loss provision to assets | 0.1883% | 5,840 |
| Net operating income to assets | 0.6762% | 3,031 |
| Return on assets (ROA) | 0.6762% | 3,083 |
| Pretax return on assets | 1.0135% | 2,547 |
| Return on Equity (ROE) | 9.3635% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.5609% | 1,135 |
| Net charge-offs to loans | 0.0676% | 6,437 |
| Credit loss provision to net charge-offs | 363.6364% | 880 |
| Earnings coverage of net charge-offs (x) | 23.2121% | 938 |
| Efficiency ratio | 70.0898% | 4,605 |
| Assets per employee ($millions) | 3.1369% | 5,896 |
| Cash dividends to net income (ytd only)* | 29.9304% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 6,473 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 335 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 4,979 |
| Noncurrent loans to loans | 0.0865% | 7,197 |
| Net loans and leases to total assets | 76.4357% | 1,704 |
| Net loans and leases to deposits | 85.6501% | 2,972 |
| Net loans and leases to core deposits | 97.4058% | 4,298 |
| Total domestic deposits to total assets | 89.2417% | 1,367 |
| Equity capital to assets | 7.1772% | 7,277 |
| Core capital (leverage) ratio | 7.0954% | 7,156 |
| Tier 1 risk-based capital ratio | 8.8701% | 7,516 |
| Total risk-based capital ratio | 10.3883% | 7,422 |
| Memoranda: | ||
| Average total assets | $63,740,800 | 6,210 |
| Average earning assets | $56,556,600 | 6,270 |
| Average equity | $4,603,000 | 7,080 |
| Average total loans | $48,799,200 | 5,727 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3470% | 1,032 |
| Cost of funding earning assets | 2.3069% | 1,958 |
| Net interest margin | 4.0400% | 2,634 |
| Noninterest income to average assets | 0.3692% | 5,560 |
| Noninterest expense to average assets | 2.7254% | 5,216 |
| Loan and lease loss provision to assets | 0.1899% | 5,478 |
| Net operating income to assets | 0.6792% | 3,279 |
| Return on assets (ROA) | 0.6792% | 3,342 |
| Pretax return on assets | 1.0484% | 2,746 |
| Return on Equity (ROE) | 9.3907% | 2,131 |
| Retained earnings to average equity (ytd only) | 8.7201% | 918 |
| Net charge-offs to loans | 0.0497% | 6,224 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 32.6104% | 879 |
| Efficiency ratio | 68.7600% | 4,833 |
| Assets per employee ($millions) | 3.0978% | 5,914 |
| Cash dividends to net income (ytd only)* | 7.1439% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 6,540 |
| Loan loss allowance to noncurrent loans | 673.6111% | 504 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 4,845 |
| Noncurrent loans to loans | 0.1411% | 7,125 |
| Net loans and leases to total assets | 77.6705% | 1,639 |
| Net loans and leases to deposits | 90.2606% | 2,526 |
| Net loans and leases to core deposits | 103.8582% | 3,955 |
| Total domestic deposits to total assets | 86.0514% | 2,683 |
| Equity capital to assets | 7.2910% | 7,433 |
| Core capital (leverage) ratio | 7.1399% | 7,322 |
| Tier 1 risk-based capital ratio | 8.9735% | 7,630 |
| Total risk-based capital ratio | 10.4816% | 7,518 |
| Memoranda: | ||
| Average total assets | $63,207,250 | 6,273 |
| Average earning assets | $56,235,500 | 6,323 |
| Average equity | $4,571,750 | 7,151 |
| Average total loans | $48,286,000 | 5,791 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1992% | 1,456 |
| Cost of funding earning assets | 2.4217% | 1,873 |
| Net interest margin | 3.7775% | 3,642 |
| Noninterest income to average assets | 0.3611% | 5,627 |
| Noninterest expense to average assets | 2.8374% | 4,792 |
| Loan and lease loss provision to assets | 0.1917% | 5,127 |
| Net operating income to assets | 0.4250% | 4,401 |
| Return on assets (ROA) | 0.4250% | 4,512 |
| Pretax return on assets | 0.7062% | 3,973 |
| Return on Equity (ROE) | 5.8919% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.8919% | 2,072 |
| Net charge-offs to loans | -0.0169% | 7,668 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9624% | 3,697 |
| Assets per employee ($millions) | 3.0636% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 6,626 |
| Loan loss allowance to noncurrent loans | 81.8182% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.9243% | 3,312 |
| Noncurrent loans to loans | 1.1413% | 4,934 |
| Net loans and leases to total assets | 78.6574% | 1,602 |
| Net loans and leases to deposits | 89.8447% | 2,858 |
| Net loans and leases to core deposits | 102.3812% | 4,248 |
| Total domestic deposits to total assets | 87.5482% | 1,994 |
| Equity capital to assets | 7.1298% | 7,532 |
| Core capital (leverage) ratio | 6.9592% | 7,568 |
| Tier 1 risk-based capital ratio | 8.6568% | 7,823 |
| Total risk-based capital ratio | 10.1499% | 7,782 |
| Memoranda: | ||
| Average total assets | $62,592,000 | 6,351 |
| Average earning assets | $55,910,670 | 6,393 |
| Average equity | $4,514,670 | 7,237 |
| Average total loans | $47,377,330 | 5,868 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1767% | 1,670 |
| Cost of funding earning assets | 2.4387% | 2,145 |
| Net interest margin | 3.7379% | 3,726 |
| Noninterest income to average assets | 0.3564% | 5,591 |
| Noninterest expense to average assets | 2.8905% | 4,186 |
| Loan and lease loss provision to assets | 0.1944% | 4,495 |
| Net operating income to assets | 0.3824% | 4,936 |
| Return on assets (ROA) | 0.3824% | 5,117 |
| Pretax return on assets | 0.6092% | 4,729 |
| Return on Equity (ROE) | 5.2696% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.2696% | 2,977 |
| Net charge-offs to loans | -0.0176% | 7,405 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2456% | 3,128 |
| Assets per employee ($millions) | 2.9950% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,316 |
| Loan loss allowance to noncurrent loans | 523.5294% | 666 |
| Noncurrent assets plus other real estate owned to assets | 1.1766% | 4,318 |
| Noncurrent loans to loans | 0.1870% | 6,995 |
| Net loans and leases to total assets | 71.5589% | 3,335 |
| Net loans and leases to deposits | 80.4242% | 4,544 |
| Net loans and leases to core deposits | 90.5610% | 5,509 |
| Total domestic deposits to total assets | 88.9769% | 1,237 |
| Equity capital to assets | 7.1882% | 7,572 |
| Core capital (leverage) ratio | 7.1513% | 7,523 |
| Tier 1 risk-based capital ratio | 8.9669% | 7,806 |
| Total risk-based capital ratio | 10.4746% | 7,643 |
| Memoranda: | ||
| Average total assets | $61,720,000 | 6,413 |
| Average earning assets | $55,110,500 | 6,454 |
| Average equity | $4,478,500 | 7,294 |
| Average total loans | $45,525,000 | 5,985 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1011% | 914 |
| Cost of funding earning assets | 2.9723% | 1,972 |
| Net interest margin | 4.1288% | 2,588 |
| Noninterest income to average assets | 0.3998% | 5,474 |
| Noninterest expense to average assets | 2.7224% | 5,166 |
| Loan and lease loss provision to assets | 0.2077% | 4,816 |
| Net operating income to assets | 0.7909% | 3,473 |
| Return on assets (ROA) | 0.7909% | 3,315 |
| Pretax return on assets | 1.1769% | 2,734 |
| Return on Equity (ROE) | 10.7031% | 2,010 |
| Retained earnings to average equity (ytd only) | 8.4781% | 712 |
| Net charge-offs to loans | 0.2005% | 4,192 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 8.8889% | 2,799 |
| Efficiency ratio | 66.2874% | 5,066 |
| Assets per employee ($millions) | 2.8831% | 6,358 |
| Cash dividends to net income (ytd only)* | 20.7877% | 4,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 6,645 |
| Loan loss allowance to noncurrent loans | 42.8868% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 1.5906% | 3,058 |
| Noncurrent loans to loans | 2.1119% | 2,615 |
| Net loans and leases to total assets | 74.6304% | 2,957 |
| Net loans and leases to deposits | 84.2532% | 4,386 |
| Net loans and leases to core deposits | 95.4075% | 5,307 |
| Total domestic deposits to total assets | 88.5787% | 1,214 |
| Equity capital to assets | 7.3268% | 7,530 |
| Core capital (leverage) ratio | 7.2634% | 7,457 |
| Tier 1 risk-based capital ratio | 9.3864% | 7,422 |
| Total risk-based capital ratio | 10.9172% | 7,019 |
| Memoranda: | ||
| Average total assets | $57,780,600 | 6,459 |
| Average earning assets | $51,879,600 | 6,510 |
| Average equity | $4,269,800 | 7,404 |
| Average total loans | $44,898,200 | 5,930 |