Home > Unity Bank of Mississippi > Performance and Condition Ratios
Unity Bank of Mississippi, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 3,364 |
| Cost of funding earning assets | 1.2282% | 2,735 |
| Net interest margin | 3.1160% | 3,064 |
| Noninterest income to average assets | 1.2700% | 469 |
| Noninterest expense to average assets | 2.8897% | 1,297 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9065% | 2,530 |
| Return on assets (ROA) | 0.8224% | 2,777 |
| Pretax return on assets | 1.0406% | 2,562 |
| Return on Equity (ROE) | 15.9300% | 1,106 |
| Retained earnings to average equity (ytd only) | 11.1198% | 767 |
| Net charge-offs to loans | 0.2162% | 503 |
| Credit loss provision to net charge-offs | 38.0228% | 2,249 |
| Earnings coverage of net charge-offs (x) | 12.6768% | 2,135 |
| Efficiency ratio | 70.2491% | 1,845 |
| Assets per employee ($millions) | 4.4940% | 3,956 |
| Cash dividends to net income (ytd only)* | 30.1854% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 652 |
| Loan loss allowance to noncurrent loans | 184.0167% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 1,281 |
| Noncurrent loans to loans | 0.9261% | 804 |
| Net loans and leases to total assets | 45.5200% | 3,835 |
| Net loans and leases to deposits | 51.7355% | 3,889 |
| Net loans and leases to core deposits | 55.9169% | 3,915 |
| Total domestic deposits to total assets | 87.9900% | 1,363 |
| Equity capital to assets | 6.2367% | 4,186 |
| Core capital (leverage) ratio | 11.3431% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $281,964,400 | 2,515 |
| Average earning assets | $253,949,200 | 2,545 |
| Average equity | $14,559,600 | 3,300 |
| Average total loans | $121,631,800 | 2,937 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 3,318 |
| Cost of funding earning assets | 1.1505% | 2,590 |
| Net interest margin | 3.1365% | 3,066 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 2.8410% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8097% | 2,995 |
| Return on assets (ROA) | 0.8067% | 2,996 |
| Pretax return on assets | 1.0221% | 2,790 |
| Return on Equity (ROE) | 16.4700% | 1,172 |
| Retained earnings to average equity (ytd only) | 9.7289% | 1,482 |
| Net charge-offs to loans | 0.1547% | 546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 15.6547% | 1,954 |
| Efficiency ratio | 72.7262% | 1,479 |
| Assets per employee ($millions) | 4.4277% | 3,984 |
| Cash dividends to net income (ytd only)* | 40.9117% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 649 |
| Loan loss allowance to noncurrent loans | 158.3333% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 1,122 |
| Noncurrent loans to loans | 1.0997% | 713 |
| Net loans and leases to total assets | 46.4500% | 3,810 |
| Net loans and leases to deposits | 49.9250% | 3,934 |
| Net loans and leases to core deposits | 54.0501% | 3,925 |
| Total domestic deposits to total assets | 93.0300% | 292 |
| Equity capital to assets | 4.4830% | 4,339 |
| Core capital (leverage) ratio | 10.8523% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $282,799,250 | 2,508 |
| Average earning assets | $254,373,250 | 2,551 |
| Average equity | $13,855,250 | 3,348 |
| Average total loans | $119,779,500 | 2,959 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,360 |
| Cost of funding earning assets | 1.0366% | 2,490 |
| Net interest margin | 3.1314% | 3,148 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 2.7732% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7980% | 3,090 |
| Return on assets (ROA) | 0.7936% | 3,107 |
| Pretax return on assets | 1.0048% | 2,898 |
| Return on Equity (ROE) | 15.7800% | 1,305 |
| Retained earnings to average equity (ytd only) | 6.0813% | 2,592 |
| Net charge-offs to loans | 0.0256% | 1,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 957 |
| Efficiency ratio | 72.5414% | 1,503 |
| Assets per employee ($millions) | 4.5745% | 3,901 |
| Cash dividends to net income (ytd only)* | 61.4574% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 474 |
| Loan loss allowance to noncurrent loans | 177.2659% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 1,078 |
| Noncurrent loans to loans | 1.0891% | 662 |
| Net loans and leases to total assets | 42.0400% | 3,962 |
| Net loans and leases to deposits | 45.3446% | 4,062 |
| Net loans and leases to core deposits | 48.7929% | 4,050 |
| Total domestic deposits to total assets | 92.7100% | 298 |
| Equity capital to assets | 5.0695% | 4,375 |
| Core capital (leverage) ratio | 10.0851% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $287,035,667 | 2,493 |
| Average earning assets | $259,114,333 | 2,533 |
| Average equity | $14,437,667 | 3,317 |
| Average total loans | $117,149,667 | 2,985 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,368 |
| Cost of funding earning assets | 0.9434% | 2,240 |
| Net interest margin | 3.1011% | 3,343 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.6986% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4987% | 3,902 |
| Return on assets (ROA) | 0.4987% | 3,866 |
| Pretax return on assets | 0.6317% | 3,792 |
| Return on Equity (ROE) | 9.9500% | 2,798 |
| Retained earnings to average equity (ytd only) | -9.4004% | 4,463 |
| Net charge-offs to loans | 0.0418% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,210 |
| Efficiency ratio | 80.1997% | 814 |
| Assets per employee ($millions) | 4.6964% | 3,893 |
| Cash dividends to net income (ytd only)* | 194.4444% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0277% | 414 |
| Loan loss allowance to noncurrent loans | 207.7807% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 1,174 |
| Noncurrent loans to loans | 0.9759% | 758 |
| Net loans and leases to total assets | 38.9900% | 4,078 |
| Net loans and leases to deposits | 41.8591% | 4,169 |
| Net loans and leases to core deposits | 45.2314% | 4,136 |
| Total domestic deposits to total assets | 93.1600% | 283 |
| Equity capital to assets | 4.9215% | 4,429 |
| Core capital (leverage) ratio | 9.6494% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $288,745,000 | 2,522 |
| Average earning assets | $261,194,500 | 2,550 |
| Average equity | $14,467,500 | 3,351 |
| Average total loans | $114,938,000 | 3,035 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 3,021 |
| Cost of funding earning assets | 0.2957% | 2,913 |
| Net interest margin | 3.2265% | 2,786 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.6893% | 1,582 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6745% | 3,687 |
| Return on assets (ROA) | 0.6745% | 3,641 |
| Pretax return on assets | 0.8206% | 3,571 |
| Return on Equity (ROE) | 10.4800% | 2,649 |
| Retained earnings to average equity (ytd only) | 7.2871% | 2,111 |
| Net charge-offs to loans | 0.0579% | 1,071 |
| Credit loss provision to net charge-offs | 476.1905% | 702 |
| Earnings coverage of net charge-offs (x) | 41.3016% | 1,482 |
| Efficiency ratio | 73.5462% | 1,264 |
| Assets per employee ($millions) | 4.7719% | 3,838 |
| Cash dividends to net income (ytd only)* | 30.4440% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 3,664 |
| Loan loss allowance to noncurrent loans | 87.4074% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 1,097 |
| Noncurrent loans to loans | 1.0659% | 676 |
| Net loans and leases to total assets | 39.4400% | 4,083 |
| Net loans and leases to deposits | 42.3659% | 4,164 |
| Net loans and leases to core deposits | 45.6236% | 4,133 |
| Total domestic deposits to total assets | 93.0900% | 384 |
| Equity capital to assets | 5.1010% | 4,344 |
| Core capital (leverage) ratio | 10.7166% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $280,520,800 | 2,551 |
| Average earning assets | $254,675,600 | 2,583 |
| Average equity | $18,059,200 | 3,117 |
| Average total loans | $108,835,800 | 3,036 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4531% | 2,767 |
| Cost of funding earning assets | 0.2605% | 2,597 |
| Net interest margin | 3.1926% | 2,645 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.6492% | 1,598 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.7186% | 3,514 |
| Return on assets (ROA) | 0.7186% | 3,462 |
| Pretax return on assets | 0.8681% | 3,427 |
| Return on Equity (ROE) | 10.6000% | 2,539 |
| Retained earnings to average equity (ytd only) | 6.5317% | 2,541 |
| Net charge-offs to loans | 0.0422% | 1,072 |
| Credit loss provision to net charge-offs | 661.7647% | 527 |
| Earnings coverage of net charge-offs (x) | 60.0588% | 1,173 |
| Efficiency ratio | 72.3474% | 1,470 |
| Assets per employee ($millions) | 4.6354% | 3,953 |
| Cash dividends to net income (ytd only)* | 38.3644% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 3,859 |
| Loan loss allowance to noncurrent loans | 84.7373% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 1,147 |
| Noncurrent loans to loans | 1.0604% | 715 |
| Net loans and leases to total assets | 40.2900% | 4,058 |
| Net loans and leases to deposits | 42.9857% | 4,148 |
| Net loans and leases to core deposits | 46.3550% | 4,089 |
| Total domestic deposits to total assets | 93.7300% | 412 |
| Equity capital to assets | 4.3901% | 4,422 |
| Core capital (leverage) ratio | 10.0759% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $279,072,000 | 2,575 |
| Average earning assets | $253,831,250 | 2,609 |
| Average equity | $18,922,750 | 3,081 |
| Average total loans | $107,548,750 | 3,064 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 2,718 |
| Cost of funding earning assets | 0.2531% | 2,224 |
| Net interest margin | 3.0535% | 2,704 |
| Noninterest income to average assets | 0.6149% | 1,679 |
| Noninterest expense to average assets | 2.6150% | 1,595 |
| Loan and lease loss provision to assets | 0.1074% | 926 |
| Net operating income to assets | 0.5763% | 3,691 |
| Return on assets (ROA) | 0.5763% | 3,637 |
| Pretax return on assets | 0.6822% | 3,618 |
| Return on Equity (ROE) | 7.6086% | 3,133 |
| Retained earnings to average equity (ytd only) | 2.1644% | 3,704 |
| Net charge-offs to loans | 0.0435% | 953 |
| Credit loss provision to net charge-offs | 652.1739% | 535 |
| Earnings coverage of net charge-offs (x) | 47.9565% | 1,177 |
| Efficiency ratio | 75.9041% | 1,299 |
| Assets per employee ($millions) | 4.6327% | 3,986 |
| Cash dividends to net income (ytd only)* | 71.5528% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,032 |
| Loan loss allowance to noncurrent loans | 55.1884% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 831 |
| Noncurrent loans to loans | 1.5754% | 463 |
| Net loans and leases to total assets | 39.0506% | 4,120 |
| Net loans and leases to deposits | 41.8487% | 4,198 |
| Net loans and leases to core deposits | 45.1953% | 4,148 |
| Total domestic deposits to total assets | 93.3138% | 433 |
| Equity capital to assets | 4.8989% | 4,495 |
| Core capital (leverage) ratio | 9.9030% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,388,333 | 2,589 |
| Average earning assets | $255,247,000 | 2,630 |
| Average equity | $21,160,333 | 2,959 |
| Average total loans | $105,709,000 | 3,115 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1530% | 2,816 |
| Cost of funding earning assets | 0.2485% | 2,176 |
| Net interest margin | 2.9044% | 2,824 |
| Noninterest income to average assets | 0.4859% | 2,210 |
| Noninterest expense to average assets | 2.5736% | 1,680 |
| Loan and lease loss provision to assets | 0.1069% | 786 |
| Net operating income to assets | 0.3662% | 4,029 |
| Return on assets (ROA) | 0.3662% | 3,993 |
| Pretax return on assets | 0.4532% | 3,946 |
| Return on Equity (ROE) | 3.9583% | 3,886 |
| Retained earnings to average equity (ytd only) | -4.9286% | 4,422 |
| Net charge-offs to loans | 0.0616% | 700 |
| Credit loss provision to net charge-offs | 468.7500% | 536 |
| Earnings coverage of net charge-offs (x) | 24.5625% | 1,208 |
| Efficiency ratio | 81.2187% | 1,054 |
| Assets per employee ($millions) | 4.7413% | 3,973 |
| Cash dividends to net income (ytd only)* | 224.5136% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 4,120 |
| Loan loss allowance to noncurrent loans | 50.3704% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 898 |
| Noncurrent loans to loans | 1.7193% | 455 |
| Net loans and leases to total assets | 35.5707% | 4,235 |
| Net loans and leases to deposits | 39.1313% | 4,281 |
| Net loans and leases to core deposits | 42.3753% | 4,227 |
| Total domestic deposits to total assets | 90.9008% | 1,084 |
| Equity capital to assets | 7.4428% | 3,971 |
| Core capital (leverage) ratio | 10.2137% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,701,000 | 2,598 |
| Average earning assets | $255,886,500 | 2,646 |
| Average equity | $25,971,000 | 2,719 |
| Average total loans | $103,815,000 | 3,140 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1868% | 3,501 |
| Cost of funding earning assets | 0.2708% | 2,696 |
| Net interest margin | 2.9161% | 3,406 |
| Noninterest income to average assets | 0.4411% | 2,851 |
| Noninterest expense to average assets | 3.4158% | 532 |
| Loan and lease loss provision to assets | 0.1363% | 891 |
| Net operating income to assets | -0.4553% | 4,759 |
| Return on assets (ROA) | -0.4509% | 4,764 |
| Pretax return on assets | -0.4291% | 4,756 |
| Return on Equity (ROE) | -4.2684% | 4,769 |
| Retained earnings to average equity (ytd only) | -4.2684% | 4,692 |
| Net charge-offs to loans | -0.0275% | 4,089 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0559% | 102 |
| Assets per employee ($millions) | 4.9451% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 4,295 |
| Loan loss allowance to noncurrent loans | 59.3098% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 1,214 |
| Noncurrent loans to loans | 1.3178% | 712 |
| Net loans and leases to total assets | 37.8191% | 4,201 |
| Net loans and leases to deposits | 43.3881% | 4,209 |
| Net loans and leases to core deposits | 47.5070% | 4,118 |
| Total domestic deposits to total assets | 87.1648% | 2,445 |
| Equity capital to assets | 11.1109% | 1,730 |
| Core capital (leverage) ratio | 10.8109% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,410,400 | 3,182 |
| Average earning assets | $168,412,400 | 3,202 |
| Average equity | $19,374,800 | 3,266 |
| Average total loans | $72,612,600 | 3,607 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0925% | 3,829 |
| Cost of funding earning assets | 0.2914% | 2,675 |
| Net interest margin | 2.8011% | 3,779 |
| Noninterest income to average assets | 0.3891% | 3,153 |
| Noninterest expense to average assets | 3.2343% | 676 |
| Loan and lease loss provision to assets | 0.2081% | 481 |
| Net operating income to assets | -0.5582% | 4,835 |
| Return on assets (ROA) | -0.5582% | 4,841 |
| Pretax return on assets | -0.4749% | 4,831 |
| Return on Equity (ROE) | -5.4054% | 4,851 |
| Retained earnings to average equity (ytd only) | -5.4054% | 4,791 |
| Net charge-offs to loans | -0.0166% | 3,890 |
| Credit loss provision to net charge-offs | -3,125.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9837% | 108 |
| Assets per employee ($millions) | 4.2210% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 4,436 |
| Loan loss allowance to noncurrent loans | 67.8065% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 1,563 |
| Noncurrent loans to loans | 1.0946% | 1,031 |
| Net loans and leases to total assets | 40.2482% | 4,198 |
| Net loans and leases to deposits | 46.3980% | 4,215 |
| Net loans and leases to core deposits | 51.0010% | 4,078 |
| Total domestic deposits to total assets | 86.7457% | 2,450 |
| Equity capital to assets | 11.3920% | 1,745 |
| Core capital (leverage) ratio | 11.4257% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,031,500 | 3,430 |
| Average earning assets | $147,318,750 | 3,439 |
| Average equity | $16,526,250 | 3,549 |
| Average total loans | $64,376,750 | 3,810 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4672% | 2,985 |
| Cost of funding earning assets | 0.3666% | 2,168 |
| Net interest margin | 3.1005% | 3,038 |
| Noninterest income to average assets | 0.1395% | 4,501 |
| Noninterest expense to average assets | 3.5224% | 453 |
| Loan and lease loss provision to assets | 0.1200% | 1,054 |
| Net operating income to assets | -0.6503% | 4,881 |
| Return on assets (ROA) | -0.4314% | 4,863 |
| Pretax return on assets | -0.4314% | 4,859 |
| Return on Equity (ROE) | -4.5174% | 4,875 |
| Retained earnings to average equity (ytd only) | -4.5174% | 4,776 |
| Net charge-offs to loans | 0.0365% | 1,271 |
| Credit loss provision to net charge-offs | 822.2222% | 532 |
| Earnings coverage of net charge-offs (x) | -36.3333% | 2,235 |
| Efficiency ratio | 117.7236% | 78 |
| Assets per employee ($millions) | 3.7768% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 3,934 |
| Loan loss allowance to noncurrent loans | 82.1181% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 1,768 |
| Noncurrent loans to loans | 1.1795% | 1,021 |
| Net loans and leases to total assets | 37.6603% | 4,398 |
| Net loans and leases to deposits | 42.7058% | 4,435 |
| Net loans and leases to core deposits | 48.1539% | 4,318 |
| Total domestic deposits to total assets | 88.1856% | 1,729 |
| Equity capital to assets | 9.0358% | 3,763 |
| Core capital (leverage) ratio | 8.9596% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,326,667 | 3,818 |
| Average earning assets | $113,464,667 | 3,815 |
| Average equity | $11,776,667 | 4,014 |
| Average total loans | $49,321,667 | 4,098 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 2,742 |
| Cost of funding earning assets | 0.3886% | 2,191 |
| Net interest margin | 3.1775% | 2,766 |
| Noninterest income to average assets | 0.6259% | 2,105 |
| Noninterest expense to average assets | 3.6395% | 396 |
| Loan and lease loss provision to assets | 0.1457% | 907 |
| Net operating income to assets | -0.2616% | 4,855 |
| Return on assets (ROA) | 0.1888% | 4,669 |
| Pretax return on assets | 0.1888% | 4,679 |
| Return on Equity (ROE) | 1.9219% | 4,611 |
| Retained earnings to average equity (ytd only) | 1.9219% | 4,026 |
| Net charge-offs to loans | 0.0404% | 1,060 |
| Credit loss provision to net charge-offs | 880.0000% | 452 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 1,914 |
| Efficiency ratio | 103.2895% | 158 |
| Assets per employee ($millions) | 3.6631% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,118 |
| Loan loss allowance to noncurrent loans | 102.9954% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 900 |
| Noncurrent loans to loans | 0.8872% | 1,525 |
| Net loans and leases to total assets | 38.9162% | 4,385 |
| Net loans and leases to deposits | 44.1720% | 4,416 |
| Net loans and leases to core deposits | 49.5725% | 4,318 |
| Total domestic deposits to total assets | 88.1017% | 1,790 |
| Equity capital to assets | 9.0335% | 3,644 |
| Core capital (leverage) ratio | 9.7326% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,784,500 | 3,847 |
| Average earning assets | $110,150,500 | 3,872 |
| Average equity | $11,863,500 | 4,013 |
| Average total loans | $49,566,000 | 4,113 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 2,677 |
| Cost of funding earning assets | 0.5962% | 2,342 |
| Net interest margin | 3.4201% | 2,709 |
| Noninterest income to average assets | 0.8727% | 1,342 |
| Noninterest expense to average assets | 3.5704% | 629 |
| Loan and lease loss provision to assets | 0.1538% | 2,449 |
| Net operating income to assets | 0.2674% | 4,482 |
| Return on assets (ROA) | 0.5186% | 4,073 |
| Pretax return on assets | 0.5186% | 4,242 |
| Return on Equity (ROE) | 4.6687% | 3,989 |
| Retained earnings to average equity (ytd only) | 1.6501% | 3,972 |
| Net charge-offs to loans | 0.7780% | 187 |
| Credit loss provision to net charge-offs | 45.5026% | 3,167 |
| Earnings coverage of net charge-offs (x) | 1.2460% | 3,273 |
| Efficiency ratio | 89.4489% | 394 |
| Assets per employee ($millions) | 3.3435% | 4,707 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 4,399 |
| Loan loss allowance to noncurrent loans | 92.7273% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 948 |
| Noncurrent loans to loans | 0.8762% | 1,613 |
| Net loans and leases to total assets | 42.5629% | 4,320 |
| Net loans and leases to deposits | 49.3427% | 4,342 |
| Net loans and leases to core deposits | 55.4291% | 4,184 |
| Total domestic deposits to total assets | 86.2598% | 2,249 |
| Equity capital to assets | 10.6612% | 2,553 |
| Core capital (leverage) ratio | 10.0833% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,835,600 | 3,858 |
| Average earning assets | $101,984,000 | 3,870 |
| Average equity | $12,423,200 | 3,931 |
| Average total loans | $48,583,600 | 4,136 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 2,640 |
| Cost of funding earning assets | 0.6375% | 2,391 |
| Net interest margin | 3.4781% | 2,665 |
| Noninterest income to average assets | 0.7358% | 1,683 |
| Noninterest expense to average assets | 3.6933% | 535 |
| Loan and lease loss provision to assets | 0.1511% | 2,509 |
| Net operating income to assets | 0.0700% | 4,728 |
| Return on assets (ROA) | 0.3763% | 4,372 |
| Pretax return on assets | 0.3763% | 4,459 |
| Return on Equity (ROE) | 3.3521% | 4,326 |
| Retained earnings to average equity (ytd only) | 3.3521% | 3,373 |
| Net charge-offs to loans | 1.1735% | 113 |
| Credit loss provision to net charge-offs | 29.4811% | 2,957 |
| Earnings coverage of net charge-offs (x) | 0.4316% | 3,129 |
| Efficiency ratio | 94.3606% | 251 |
| Assets per employee ($millions) | 3.2198% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 4,725 |
| Loan loss allowance to noncurrent loans | 69.6903% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3139% | 710 |
| Noncurrent loans to loans | 0.8596% | 1,723 |
| Net loans and leases to total assets | 45.0912% | 4,365 |
| Net loans and leases to deposits | 52.7204% | 4,381 |
| Net loans and leases to core deposits | 59.4558% | 4,232 |
| Total domestic deposits to total assets | 85.5289% | 2,243 |
| Equity capital to assets | 10.7519% | 2,587 |
| Core capital (leverage) ratio | 10.2823% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,539,000 | 3,871 |
| Average earning assets | $101,010,750 | 3,877 |
| Average equity | $12,410,000 | 3,935 |
| Average total loans | $48,175,500 | 4,163 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 2,904 |
| Cost of funding earning assets | 0.6796% | 2,501 |
| Net interest margin | 3.4722% | 2,874 |
| Noninterest income to average assets | 0.8202% | 1,379 |
| Noninterest expense to average assets | 3.6562% | 606 |
| Loan and lease loss provision to assets | 0.1747% | 2,267 |
| Net operating income to assets | 0.1747% | 4,601 |
| Return on assets (ROA) | 0.4782% | 4,135 |
| Pretax return on assets | 0.4782% | 4,283 |
| Return on Equity (ROE) | 4.1961% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.1961% | 2,819 |
| Net charge-offs to loans | 0.2398% | 654 |
| Credit loss provision to net charge-offs | 169.6429% | 2,038 |
| Earnings coverage of net charge-offs (x) | 3.3929% | 2,681 |
| Efficiency ratio | 91.2764% | 362 |
| Assets per employee ($millions) | 2.9253% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,027 |
| Loan loss allowance to noncurrent loans | 40.1106% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 463 |
| Noncurrent loans to loans | 3.2290% | 272 |
| Net loans and leases to total assets | 43.6210% | 4,470 |
| Net loans and leases to deposits | 51.2159% | 4,474 |
| Net loans and leases to core deposits | 56.8249% | 4,406 |
| Total domestic deposits to total assets | 85.1707% | 2,325 |
| Equity capital to assets | 11.0812% | 2,266 |
| Core capital (leverage) ratio | 10.4888% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,747,333 | 3,883 |
| Average earning assets | $99,764,000 | 3,884 |
| Average equity | $12,392,333 | 3,935 |
| Average total loans | $46,706,667 | 4,197 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 2,317 |
| Cost of funding earning assets | 0.7414% | 2,716 |
| Net interest margin | 3.7562% | 2,122 |
| Noninterest income to average assets | 1.1086% | 704 |
| Noninterest expense to average assets | 3.7255% | 688 |
| Loan and lease loss provision to assets | 0.2715% | 1,153 |
| Net operating income to assets | 0.5505% | 3,736 |
| Return on assets (ROA) | 0.6712% | 3,433 |
| Pretax return on assets | 0.6712% | 3,769 |
| Return on Equity (ROE) | 5.8040% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.8040% | 1,954 |
| Net charge-offs to loans | 0.4994% | 288 |
| Credit loss provision to net charge-offs | 128.5714% | 1,677 |
| Earnings coverage of net charge-offs (x) | 3.8929% | 2,175 |
| Efficiency ratio | 81.9237% | 975 |
| Assets per employee ($millions) | 2.8742% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,675 |
| Loan loss allowance to noncurrent loans | 42.3957% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7131% | 567 |
| Noncurrent loans to loans | 3.3144% | 299 |
| Net loans and leases to total assets | 40.4732% | 4,651 |
| Net loans and leases to deposits | 48.0076% | 4,658 |
| Net loans and leases to core deposits | 53.3575% | 4,587 |
| Total domestic deposits to total assets | 84.3057% | 2,669 |
| Equity capital to assets | 11.5842% | 2,365 |
| Core capital (leverage) ratio | 11.2224% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,078,500 | 3,902 |
| Average earning assets | $97,119,000 | 3,909 |
| Average equity | $12,267,500 | 3,966 |
| Average total loans | $44,851,000 | 4,254 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 3,267 |
| Cost of funding earning assets | 0.8037% | 2,669 |
| Net interest margin | 3.5929% | 3,155 |
| Noninterest income to average assets | 1.2543% | 603 |
| Noninterest expense to average assets | 3.6900% | 772 |
| Loan and lease loss provision to assets | 0.0875% | 2,267 |
| Net operating income to assets | 0.7847% | 3,602 |
| Return on assets (ROA) | 0.8216% | 3,575 |
| Pretax return on assets | 0.8216% | 3,929 |
| Return on Equity (ROE) | 7.4508% | 3,387 |
| Retained earnings to average equity (ytd only) | 3.0421% | 3,505 |
| Net charge-offs to loans | 0.4064% | 478 |
| Credit loss provision to net charge-offs | 48.9130% | 3,139 |
| Earnings coverage of net charge-offs (x) | 4.8750% | 3,158 |
| Efficiency ratio | 80.8824% | 874 |
| Assets per employee ($millions) | 2.7821% | 4,917 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,634 |
| Loan loss allowance to noncurrent loans | 31.2468% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.9575% | 407 |
| Noncurrent loans to loans | 4.3795% | 135 |
| Net loans and leases to total assets | 42.9905% | 4,640 |
| Net loans and leases to deposits | 49.9870% | 4,688 |
| Net loans and leases to core deposits | 55.7194% | 4,595 |
| Total domestic deposits to total assets | 86.0034% | 2,066 |
| Equity capital to assets | 11.5437% | 2,496 |
| Core capital (leverage) ratio | 11.1636% | 2,366 |
| Tier 1 risk-based capital ratio | 19.5894% | 1,393 |
| Total risk-based capital ratio | 20.6434% | 1,402 |
| Memoranda: | ||
| Average total assets | $102,845,600 | 3,955 |
| Average earning assets | $94,687,800 | 3,955 |
| Average equity | $11,341,000 | 4,074 |
| Average total loans | $45,280,200 | 4,275 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 3,353 |
| Cost of funding earning assets | 0.8005% | 2,717 |
| Net interest margin | 3.5999% | 3,252 |
| Noninterest income to average assets | 1.0581% | 820 |
| Noninterest expense to average assets | 3.6891% | 760 |
| Loan and lease loss provision to assets | 0.0869% | 2,182 |
| Net operating income to assets | 0.6004% | 4,291 |
| Return on assets (ROA) | 0.6496% | 4,212 |
| Pretax return on assets | 0.6496% | 4,446 |
| Return on Equity (ROE) | 5.9612% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.9612% | 2,389 |
| Net charge-offs to loans | 0.5318% | 315 |
| Credit loss provision to net charge-offs | 37.0166% | 2,871 |
| Earnings coverage of net charge-offs (x) | 2.9281% | 3,151 |
| Efficiency ratio | 84.2963% | 592 |
| Assets per employee ($millions) | 2.8534% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 1,971 |
| Loan loss allowance to noncurrent loans | 30.4459% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 2.0200% | 431 |
| Noncurrent loans to loans | 4.2649% | 150 |
| Net loans and leases to total assets | 43.9546% | 4,692 |
| Net loans and leases to deposits | 51.8441% | 4,715 |
| Net loans and leases to core deposits | 57.7770% | 4,621 |
| Total domestic deposits to total assets | 84.7822% | 2,512 |
| Equity capital to assets | 11.7502% | 2,460 |
| Core capital (leverage) ratio | 11.4307% | 2,281 |
| Tier 1 risk-based capital ratio | 19.4165% | 1,480 |
| Total risk-based capital ratio | 20.4136% | 1,501 |
| Memoranda: | ||
| Average total assets | $102,822,250 | 3,999 |
| Average earning assets | $94,777,500 | 4,002 |
| Average equity | $11,205,500 | 4,131 |
| Average total loans | $45,383,250 | 4,329 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 3,381 |
| Cost of funding earning assets | 0.7824% | 2,728 |
| Net interest margin | 3.5998% | 3,256 |
| Noninterest income to average assets | 1.2406% | 561 |
| Noninterest expense to average assets | 3.6284% | 823 |
| Loan and lease loss provision to assets | 0.0875% | 2,093 |
| Net operating income to assets | 0.8439% | 3,493 |
| Return on assets (ROA) | 0.9022% | 3,340 |
| Pretax return on assets | 0.9022% | 3,839 |
| Return on Equity (ROE) | 8.5002% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.5002% | 1,207 |
| Net charge-offs to loans | 0.6672% | 229 |
| Credit loss provision to net charge-offs | 29.8013% | 2,602 |
| Earnings coverage of net charge-offs (x) | 3.1722% | 2,873 |
| Efficiency ratio | 79.5736% | 1,004 |
| Assets per employee ($millions) | 2.6828% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 1,968 |
| Loan loss allowance to noncurrent loans | 35.9403% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.0315% | 453 |
| Noncurrent loans to loans | 3.6473% | 215 |
| Net loans and leases to total assets | 44.4573% | 4,705 |
| Net loans and leases to deposits | 52.2360% | 4,731 |
| Net loans and leases to core deposits | 58.1103% | 4,639 |
| Total domestic deposits to total assets | 85.1086% | 2,431 |
| Equity capital to assets | 11.4895% | 2,612 |
| Core capital (leverage) ratio | 11.2452% | 2,383 |
| Tier 1 risk-based capital ratio | 19.2764% | 1,490 |
| Total risk-based capital ratio | 20.2829% | 1,512 |
| Memoranda: | ||
| Average total assets | $102,855,670 | 4,019 |
| Average earning assets | $94,838,000 | 4,016 |
| Average equity | $10,917,330 | 4,185 |
| Average total loans | $45,262,670 | 4,361 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 3,593 |
| Cost of funding earning assets | 0.7683% | 2,693 |
| Net interest margin | 3.5223% | 3,531 |
| Noninterest income to average assets | 1.7191% | 307 |
| Noninterest expense to average assets | 3.5892% | 857 |
| Loan and lease loss provision to assets | 0.0852% | 1,999 |
| Net operating income to assets | 1.2932% | 1,720 |
| Return on assets (ROA) | 1.3900% | 1,439 |
| Pretax return on assets | 1.3900% | 2,118 |
| Return on Equity (ROE) | 13.6508% | 1,043 |
| Retained earnings to average equity (ytd only) | 13.6508% | 382 |
| Net charge-offs to loans | 0.2137% | 658 |
| Credit loss provision to net charge-offs | 91.6667% | 1,704 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 1,774 |
| Efficiency ratio | 72.2525% | 1,997 |
| Assets per employee ($millions) | 2.8472% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 1,181 |
| Loan loss allowance to noncurrent loans | 34.6929% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.9792% | 504 |
| Noncurrent loans to loans | 4.4712% | 153 |
| Net loans and leases to total assets | 42.5345% | 4,812 |
| Net loans and leases to deposits | 49.3198% | 4,837 |
| Net loans and leases to core deposits | 55.7376% | 4,727 |
| Total domestic deposits to total assets | 86.2423% | 2,166 |
| Equity capital to assets | 10.5843% | 3,266 |
| Core capital (leverage) ratio | 11.0976% | 2,483 |
| Tier 1 risk-based capital ratio | 19.4909% | 1,441 |
| Total risk-based capital ratio | 20.6954% | 1,428 |
| Memoranda: | ||
| Average total assets | $103,311,000 | 4,050 |
| Average earning assets | $95,279,000 | 4,054 |
| Average equity | $10,519,500 | 4,256 |
| Average total loans | $44,932,000 | 4,413 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 2,733 |
| Cost of funding earning assets | 0.6259% | 2,547 |
| Net interest margin | 3.7827% | 2,736 |
| Noninterest income to average assets | 1.1469% | 699 |
| Noninterest expense to average assets | 3.6223% | 843 |
| Loan and lease loss provision to assets | 0.0898% | 2,347 |
| Net operating income to assets | 0.9153% | 3,385 |
| Return on assets (ROA) | 0.7905% | 3,841 |
| Pretax return on assets | 0.7905% | 4,195 |
| Return on Equity (ROE) | 8.1475% | 3,379 |
| Retained earnings to average equity (ytd only) | 4.2898% | 3,186 |
| Net charge-offs to loans | 0.2130% | 899 |
| Credit loss provision to net charge-offs | 91.8367% | 2,695 |
| Earnings coverage of net charge-offs (x) | 10.2755% | 2,738 |
| Efficiency ratio | 78.2787% | 1,102 |
| Assets per employee ($millions) | 2.7372% | 5,121 |
| Cash dividends to net income (ytd only)* | 47.3485% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 1,042 |
| Loan loss allowance to noncurrent loans | 44.6688% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 697 |
| Noncurrent loans to loans | 3.5738% | 239 |
| Net loans and leases to total assets | 43.0917% | 4,843 |
| Net loans and leases to deposits | 49.5678% | 4,896 |
| Net loans and leases to core deposits | 56.1283% | 4,773 |
| Total domestic deposits to total assets | 86.9348% | 1,808 |
| Equity capital to assets | 9.7643% | 3,890 |
| Core capital (leverage) ratio | 10.7990% | 2,736 |
| Tier 1 risk-based capital ratio | 19.4495% | 1,414 |
| Total risk-based capital ratio | 20.6939% | 1,384 |
| Memoranda: | ||
| Average total assets | $100,184,600 | 4,098 |
| Average earning assets | $92,182,400 | 4,102 |
| Average equity | $9,720,800 | 4,344 |
| Average total loans | $46,005,200 | 4,402 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,947 |
| Cost of funding earning assets | 0.5929% | 2,526 |
| Net interest margin | 3.7124% | 2,973 |
| Noninterest income to average assets | 1.2090% | 651 |
| Noninterest expense to average assets | 3.6418% | 802 |
| Loan and lease loss provision to assets | 0.0907% | 2,164 |
| Net operating income to assets | 0.8941% | 3,562 |
| Return on assets (ROA) | 0.8701% | 3,663 |
| Pretax return on assets | 0.8701% | 4,120 |
| Return on Equity (ROE) | 8.9816% | 3,102 |
| Retained earnings to average equity (ytd only) | 8.9816% | 1,225 |
| Net charge-offs to loans | 0.1379% | 1,178 |
| Credit loss provision to net charge-offs | 141.6667% | 1,783 |
| Earnings coverage of net charge-offs (x) | 15.3747% | 2,228 |
| Efficiency ratio | 78.7136% | 1,054 |
| Assets per employee ($millions) | 2.7243% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,185 |
| Loan loss allowance to noncurrent loans | 39.5062% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 586 |
| Noncurrent loans to loans | 3.9342% | 215 |
| Net loans and leases to total assets | 46.2485% | 4,789 |
| Net loans and leases to deposits | 53.0087% | 4,855 |
| Net loans and leases to core deposits | 59.7322% | 4,716 |
| Total domestic deposits to total assets | 87.2469% | 1,621 |
| Equity capital to assets | 9.3324% | 4,243 |
| Core capital (leverage) ratio | 11.0383% | 2,546 |
| Tier 1 risk-based capital ratio | 18.9423% | 1,550 |
| Total risk-based capital ratio | 20.1760% | 1,525 |
| Memoranda: | ||
| Average total assets | $99,911,500 | 4,146 |
| Average earning assets | $91,978,250 | 4,143 |
| Average equity | $9,678,750 | 4,390 |
| Average total loans | $46,419,000 | 4,429 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 3,013 |
| Cost of funding earning assets | 0.5522% | 2,592 |
| Net interest margin | 3.6780% | 3,015 |
| Noninterest income to average assets | 0.9195% | 1,130 |
| Noninterest expense to average assets | 3.6360% | 836 |
| Loan and lease loss provision to assets | 0.0903% | 2,118 |
| Net operating income to assets | 0.5762% | 4,578 |
| Return on assets (ROA) | 0.5662% | 4,597 |
| Pretax return on assets | 0.5662% | 4,791 |
| Return on Equity (ROE) | 5.7732% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.7732% | 2,688 |
| Net charge-offs to loans | 0.1128% | 1,251 |
| Credit loss provision to net charge-offs | 173.0769% | 1,437 |
| Earnings coverage of net charge-offs (x) | 12.7692% | 2,182 |
| Efficiency ratio | 84.5077% | 660 |
| Assets per employee ($millions) | 2.8203% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 1,247 |
| Loan loss allowance to noncurrent loans | 40.7428% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.8260% | 633 |
| Noncurrent loans to loans | 3.8003% | 242 |
| Net loans and leases to total assets | 46.0303% | 4,826 |
| Net loans and leases to deposits | 52.7560% | 4,889 |
| Net loans and leases to core deposits | 59.2858% | 4,737 |
| Total domestic deposits to total assets | 87.2512% | 1,738 |
| Equity capital to assets | 9.4168% | 4,178 |
| Core capital (leverage) ratio | 10.7331% | 2,770 |
| Tier 1 risk-based capital ratio | 18.4636% | 1,679 |
| Total risk-based capital ratio | 19.7051% | 1,648 |
| Memoranda: | ||
| Average total assets | $99,615,670 | 4,180 |
| Average earning assets | $91,626,000 | 4,192 |
| Average equity | $9,769,330 | 4,413 |
| Average total loans | $46,107,330 | 4,487 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,796 |
| Cost of funding earning assets | 0.5123% | 2,704 |
| Net interest margin | 3.7141% | 2,749 |
| Noninterest income to average assets | 0.9406% | 1,046 |
| Noninterest expense to average assets | 3.7057% | 750 |
| Loan and lease loss provision to assets | 0.0933% | 1,957 |
| Net operating income to assets | 0.5514% | 4,570 |
| Return on assets (ROA) | 0.5514% | 4,573 |
| Pretax return on assets | 0.5514% | 4,787 |
| Return on Equity (ROE) | 5.5097% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.5097% | 2,944 |
| Net charge-offs to loans | 0.1409% | 971 |
| Credit loss provision to net charge-offs | 143.7500% | 1,255 |
| Earnings coverage of net charge-offs (x) | 9.9375% | 1,932 |
| Efficiency ratio | 85.1817% | 697 |
| Assets per employee ($millions) | 2.7502% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 1,140 |
| Loan loss allowance to noncurrent loans | 40.1890% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.9393% | 602 |
| Noncurrent loans to loans | 4.0030% | 250 |
| Net loans and leases to total assets | 44.6619% | 4,865 |
| Net loans and leases to deposits | 50.2614% | 4,950 |
| Net loans and leases to core deposits | 55.3909% | 4,857 |
| Total domestic deposits to total assets | 88.8593% | 1,172 |
| Equity capital to assets | 9.6620% | 3,928 |
| Core capital (leverage) ratio | 10.9610% | 2,482 |
| Tier 1 risk-based capital ratio | 19.3595% | 1,465 |
| Total risk-based capital ratio | 20.6107% | 1,430 |
| Memoranda: | ||
| Average total assets | $98,658,000 | 4,243 |
| Average earning assets | $90,573,000 | 4,258 |
| Average equity | $9,873,500 | 4,444 |
| Average total loans | $45,426,000 | 4,552 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 3,678 |
| Cost of funding earning assets | 0.4477% | 2,799 |
| Net interest margin | 3.4657% | 3,634 |
| Noninterest income to average assets | 1.8115% | 343 |
| Noninterest expense to average assets | 3.5835% | 913 |
| Loan and lease loss provision to assets | 0.2182% | 905 |
| Net operating income to assets | 1.1448% | 1,696 |
| Return on assets (ROA) | 0.9479% | 2,489 |
| Pretax return on assets | 0.9479% | 3,749 |
| Return on Equity (ROE) | 9.0101% | 2,315 |
| Retained earnings to average equity (ytd only) | 2.7397% | 3,672 |
| Net charge-offs to loans | 0.1225% | 1,824 |
| Credit loss provision to net charge-offs | 390.9091% | 776 |
| Earnings coverage of net charge-offs (x) | 24.4182% | 1,758 |
| Efficiency ratio | 72.4456% | 2,154 |
| Assets per employee ($millions) | 2.6570% | 5,398 |
| Cash dividends to net income (ytd only)* | 69.5931% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,245 |
| Loan loss allowance to noncurrent loans | 38.8076% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.9998% | 562 |
| Noncurrent loans to loans | 4.0186% | 234 |
| Net loans and leases to total assets | 45.9719% | 4,888 |
| Net loans and leases to deposits | 52.1455% | 4,978 |
| Net loans and leases to core deposits | 57.4218% | 4,877 |
| Total domestic deposits to total assets | 88.1609% | 1,404 |
| Equity capital to assets | 10.3560% | 3,323 |
| Core capital (leverage) ratio | 10.8223% | 2,511 |
| Tier 1 risk-based capital ratio | 18.7664% | 1,569 |
| Total risk-based capital ratio | 20.0159% | 1,525 |
| Memoranda: | ||
| Average total assets | $98,536,000 | 4,264 |
| Average earning assets | $89,130,800 | 4,306 |
| Average equity | $10,366,200 | 4,395 |
| Average total loans | $44,898,800 | 4,591 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 3,761 |
| Cost of funding earning assets | 0.4436% | 2,769 |
| Net interest margin | 3.4291% | 3,743 |
| Noninterest income to average assets | 2.0664% | 295 |
| Noninterest expense to average assets | 3.5201% | 960 |
| Loan and lease loss provision to assets | 0.1488% | 1,412 |
| Net operating income to assets | 1.4916% | 915 |
| Return on assets (ROA) | 1.4754% | 964 |
| Pretax return on assets | 1.4754% | 1,863 |
| Return on Equity (ROE) | 13.9700% | 839 |
| Retained earnings to average equity (ytd only) | 9.1682% | 795 |
| Net charge-offs to loans | 0.1045% | 1,743 |
| Credit loss provision to net charge-offs | 314.2857% | 949 |
| Earnings coverage of net charge-offs (x) | 34.6537% | 1,432 |
| Efficiency ratio | 68.2128% | 2,841 |
| Assets per employee ($millions) | 2.6777% | 5,449 |
| Cash dividends to net income (ytd only)* | 34.3723% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,007 |
| Loan loss allowance to noncurrent loans | 34.4620% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 1.9702% | 662 |
| Noncurrent loans to loans | 3.9829% | 249 |
| Net loans and leases to total assets | 45.7638% | 4,952 |
| Net loans and leases to deposits | 52.3273% | 5,041 |
| Net loans and leases to core deposits | 58.1349% | 4,910 |
| Total domestic deposits to total assets | 87.4569% | 1,639 |
| Equity capital to assets | 11.0241% | 2,843 |
| Core capital (leverage) ratio | 11.2622% | 2,215 |
| Tier 1 risk-based capital ratio | 19.8024% | 1,409 |
| Total risk-based capital ratio | 20.9300% | 1,402 |
| Memoranda: | ||
| Average total assets | $98,592,500 | 4,307 |
| Average earning assets | $88,963,000 | 4,349 |
| Average equity | $10,412,500 | 4,433 |
| Average total loans | $44,645,750 | 4,647 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 3,823 |
| Cost of funding earning assets | 0.4497% | 2,606 |
| Net interest margin | 3.3715% | 3,870 |
| Noninterest income to average assets | 2.6231% | 213 |
| Noninterest expense to average assets | 3.4968% | 1,015 |
| Loan and lease loss provision to assets | 0.1788% | 1,066 |
| Net operating income to assets | 1.9790% | 320 |
| Return on assets (ROA) | 1.9465% | 348 |
| Pretax return on assets | 1.9465% | 592 |
| Return on Equity (ROE) | 18.7061% | 283 |
| Retained earnings to average equity (ytd only) | 11.3838% | 384 |
| Net charge-offs to loans | 0.0950% | 1,668 |
| Credit loss provision to net charge-offs | 419.0476% | 758 |
| Earnings coverage of net charge-offs (x) | 50.5714% | 1,066 |
| Efficiency ratio | 61.8397% | 4,018 |
| Assets per employee ($millions) | 2.6136% | 5,505 |
| Cash dividends to net income (ytd only)* | 39.1441% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,057 |
| Loan loss allowance to noncurrent loans | 33.4946% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.9947% | 642 |
| Noncurrent loans to loans | 4.1110% | 225 |
| Net loans and leases to total assets | 44.9298% | 4,997 |
| Net loans and leases to deposits | 51.2779% | 5,089 |
| Net loans and leases to core deposits | 57.1359% | 4,943 |
| Total domestic deposits to total assets | 87.6202% | 1,650 |
| Equity capital to assets | 10.9440% | 2,871 |
| Core capital (leverage) ratio | 11.0380% | 2,366 |
| Tier 1 risk-based capital ratio | 20.1394% | 1,342 |
| Total risk-based capital ratio | 21.2854% | 1,329 |
| Memoranda: | ||
| Average total assets | $98,432,000 | 4,336 |
| Average earning assets | $88,507,330 | 4,390 |
| Average equity | $10,242,670 | 4,476 |
| Average total loans | $44,204,000 | 4,681 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 3,804 |
| Cost of funding earning assets | 0.4483% | 2,537 |
| Net interest margin | 3.3392% | 3,885 |
| Noninterest income to average assets | 4.2371% | 139 |
| Noninterest expense to average assets | 3.4861% | 1,066 |
| Loan and lease loss provision to assets | 0.2653% | 552 |
| Net operating income to assets | 3.4656% | 70 |
| Return on assets (ROA) | 3.4003% | 73 |
| Pretax return on assets | 3.4003% | 104 |
| Return on Equity (ROE) | 33.5566% | 30 |
| Retained earnings to average equity (ytd only) | 27.5140% | 38 |
| Net charge-offs to loans | 0.0549% | 1,789 |
| Credit loss provision to net charge-offs | 1,083.3333% | 289 |
| Earnings coverage of net charge-offs (x) | 152.3333% | 359 |
| Efficiency ratio | 48.3032% | 5,455 |
| Assets per employee ($millions) | 2.7175% | 5,531 |
| Cash dividends to net income (ytd only)* | 18.0072% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,143 |
| Loan loss allowance to noncurrent loans | 38.1041% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.7255% | 858 |
| Noncurrent loans to loans | 3.6332% | 320 |
| Net loans and leases to total assets | 43.5698% | 5,063 |
| Net loans and leases to deposits | 49.3823% | 5,162 |
| Net loans and leases to core deposits | 55.2900% | 5,007 |
| Total domestic deposits to total assets | 88.2296% | 1,573 |
| Equity capital to assets | 10.4059% | 3,285 |
| Core capital (leverage) ratio | 11.2546% | 2,145 |
| Tier 1 risk-based capital ratio | 20.7555% | 1,253 |
| Total risk-based capital ratio | 21.9108% | 1,250 |
| Memoranda: | ||
| Average total assets | $97,990,500 | 4,389 |
| Average earning assets | $87,446,000 | 4,453 |
| Average equity | $9,929,500 | 4,553 |
| Average total loans | $43,683,500 | 4,738 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 3,965 |
| Cost of funding earning assets | 0.4252% | 2,758 |
| Net interest margin | 3.3567% | 3,972 |
| Noninterest income to average assets | 1.0495% | 1,024 |
| Noninterest expense to average assets | 3.6230% | 978 |
| Loan and lease loss provision to assets | 0.0934% | 2,488 |
| Net operating income to assets | 0.3820% | 5,002 |
| Return on assets (ROA) | 0.5450% | 4,552 |
| Pretax return on assets | 0.5450% | 4,932 |
| Return on Equity (ROE) | 5.0566% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.1671% | 4,301 |
| Net charge-offs to loans | 0.2329% | 1,192 |
| Credit loss provision to net charge-offs | 93.7500% | 2,730 |
| Earnings coverage of net charge-offs (x) | 4.7708% | 3,450 |
| Efficiency ratio | 88.3992% | 644 |
| Assets per employee ($millions) | 2.4470% | 5,681 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,575 |
| Loan loss allowance to noncurrent loans | 37.0173% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.7007% | 905 |
| Noncurrent loans to loans | 3.4977% | 342 |
| Net loans and leases to total assets | 44.4159% | 5,088 |
| Net loans and leases to deposits | 50.0869% | 5,206 |
| Net loans and leases to core deposits | 56.2505% | 5,041 |
| Total domestic deposits to total assets | 88.6778% | 1,281 |
| Equity capital to assets | 9.8458% | 3,887 |
| Core capital (leverage) ratio | 10.7217% | 2,629 |
| Tier 1 risk-based capital ratio | 19.6411% | 1,445 |
| Total risk-based capital ratio | 20.6947% | 1,451 |
| Memoranda: | ||
| Average total assets | $96,329,800 | 4,421 |
| Average earning assets | $87,496,400 | 4,448 |
| Average equity | $10,382,400 | 4,510 |
| Average total loans | $41,220,200 | 4,838 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 4,211 |
| Cost of funding earning assets | 0.4239% | 2,798 |
| Net interest margin | 3.2877% | 4,225 |
| Noninterest income to average assets | 1.0219% | 1,102 |
| Noninterest expense to average assets | 3.6704% | 893 |
| Loan and lease loss provision to assets | 0.0939% | 2,349 |
| Net operating income to assets | 0.2458% | 5,397 |
| Return on assets (ROA) | 0.4612% | 4,910 |
| Pretax return on assets | 0.4612% | 5,209 |
| Return on Equity (ROE) | 4.1897% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.4370% | 3,838 |
| Net charge-offs to loans | 0.2517% | 932 |
| Credit loss provision to net charge-offs | 88.3117% | 2,557 |
| Earnings coverage of net charge-offs (x) | 3.1949% | 3,456 |
| Efficiency ratio | 91.5289% | 493 |
| Assets per employee ($millions) | 2.4686% | 5,740 |
| Cash dividends to net income (ytd only)* | 17.9646% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,663 |
| Loan loss allowance to noncurrent loans | 31.8548% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.0899% | 730 |
| Noncurrent loans to loans | 4.0951% | 262 |
| Net loans and leases to total assets | 43.4583% | 5,227 |
| Net loans and leases to deposits | 49.9010% | 5,299 |
| Net loans and leases to core deposits | 55.9300% | 5,150 |
| Total domestic deposits to total assets | 87.0889% | 1,858 |
| Equity capital to assets | 11.4049% | 2,595 |
| Core capital (leverage) ratio | 10.8362% | 2,641 |
| Tier 1 risk-based capital ratio | 19.8102% | 1,483 |
| Total risk-based capital ratio | 20.8621% | 1,486 |
| Memoranda: | ||
| Average total assets | $96,554,250 | 4,449 |
| Average earning assets | $87,760,500 | 4,474 |
| Average equity | $10,629,000 | 4,514 |
| Average total loans | $40,789,500 | 4,895 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6546% | 4,433 |
| Cost of funding earning assets | 0.4207% | 2,828 |
| Net interest margin | 3.2339% | 4,428 |
| Noninterest income to average assets | 0.9767% | 1,182 |
| Noninterest expense to average assets | 3.5862% | 1,025 |
| Loan and lease loss provision to assets | 0.0931% | 2,291 |
| Net operating income to assets | 0.2400% | 5,443 |
| Return on assets (ROA) | 0.4180% | 5,067 |
| Pretax return on assets | 0.4180% | 5,315 |
| Return on Equity (ROE) | 3.8432% | 4,971 |
| Retained earnings to average equity (ytd only) | 2.7017% | 4,185 |
| Net charge-offs to loans | 0.2484% | 951 |
| Credit loss provision to net charge-offs | 90.0000% | 2,240 |
| Earnings coverage of net charge-offs (x) | 3.2200% | 3,149 |
| Efficiency ratio | 91.4995% | 521 |
| Assets per employee ($millions) | 2.4863% | 5,794 |
| Cash dividends to net income (ytd only)* | 29.7030% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,586 |
| Loan loss allowance to noncurrent loans | 28.7855% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.3400% | 629 |
| Noncurrent loans to loans | 4.6444% | 208 |
| Net loans and leases to total assets | 42.3917% | 5,320 |
| Net loans and leases to deposits | 48.5061% | 5,402 |
| Net loans and leases to core deposits | 54.7190% | 5,239 |
| Total domestic deposits to total assets | 87.3947% | 1,716 |
| Equity capital to assets | 11.1832% | 2,862 |
| Core capital (leverage) ratio | 10.5199% | 2,952 |
| Tier 1 risk-based capital ratio | 19.5219% | 1,561 |
| Total risk-based capital ratio | 20.5795% | 1,577 |
| Memoranda: | ||
| Average total assets | $96,647,670 | 4,487 |
| Average earning assets | $87,944,000 | 4,505 |
| Average equity | $10,512,000 | 4,565 |
| Average total loans | $40,255,330 | 4,961 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,317 |
| Cost of funding earning assets | 0.4179% | 2,877 |
| Net interest margin | 3.2844% | 4,288 |
| Noninterest income to average assets | 0.9949% | 1,087 |
| Noninterest expense to average assets | 3.5238% | 1,144 |
| Loan and lease loss provision to assets | 0.0912% | 2,161 |
| Net operating income to assets | 0.3772% | 5,062 |
| Return on assets (ROA) | 0.5928% | 4,325 |
| Pretax return on assets | 0.5928% | 4,837 |
| Return on Equity (ROE) | 5.5287% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.5287% | 2,624 |
| Net charge-offs to loans | 0.0405% | 2,192 |
| Credit loss provision to net charge-offs | 550.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,219 |
| Efficiency ratio | 88.2658% | 790 |
| Assets per employee ($millions) | 2.5961% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 2,157 |
| Loan loss allowance to noncurrent loans | 26.7651% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.3933% | 641 |
| Noncurrent loans to loans | 5.4554% | 169 |
| Net loans and leases to total assets | 39.6772% | 5,463 |
| Net loans and leases to deposits | 45.1236% | 5,553 |
| Net loans and leases to core deposits | 50.5071% | 5,426 |
| Total domestic deposits to total assets | 87.9302% | 1,681 |
| Equity capital to assets | 10.7064% | 3,249 |
| Core capital (leverage) ratio | 10.6370% | 2,810 |
| Tier 1 risk-based capital ratio | 20.6789% | 1,366 |
| Total risk-based capital ratio | 21.8453% | 1,365 |
| Memoranda: | ||
| Average total assets | $96,488,000 | 4,526 |
| Average earning assets | $88,052,000 | 4,545 |
| Average equity | $10,346,000 | 4,608 |
| Average total loans | $39,551,500 | 5,024 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,137 |
| Cost of funding earning assets | 0.4279% | 2,864 |
| Net interest margin | 3.3419% | 4,144 |
| Noninterest income to average assets | 1.1704% | 871 |
| Noninterest expense to average assets | 3.6170% | 1,099 |
| Loan and lease loss provision to assets | 0.0864% | 2,569 |
| Net operating income to assets | 0.4945% | 4,715 |
| Return on assets (ROA) | 0.5733% | 4,495 |
| Pretax return on assets | 0.5733% | 4,928 |
| Return on Equity (ROE) | 5.2600% | 4,391 |
| Retained earnings to average equity (ytd only) | 2.6350% | 4,193 |
| Net charge-offs to loans | 0.2517% | 1,195 |
| Credit loss provision to net charge-offs | 82.4742% | 2,906 |
| Earnings coverage of net charge-offs (x) | 5.5464% | 3,371 |
| Efficiency ratio | 86.1626% | 980 |
| Assets per employee ($millions) | 2.6201% | 5,835 |
| Cash dividends to net income (ytd only)* | 49.9058% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 2,308 |
| Loan loss allowance to noncurrent loans | 33.4126% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 1.9889% | 890 |
| Noncurrent loans to loans | 4.2711% | 264 |
| Net loans and leases to total assets | 41.1545% | 5,458 |
| Net loans and leases to deposits | 46.8642% | 5,525 |
| Net loans and leases to core deposits | 52.9779% | 5,373 |
| Total domestic deposits to total assets | 87.8166% | 1,739 |
| Equity capital to assets | 10.7395% | 3,089 |
| Core capital (leverage) ratio | 10.8587% | 2,549 |
| Tier 1 risk-based capital ratio | 21.0802% | 1,284 |
| Total risk-based capital ratio | 22.2486% | 1,279 |
| Memoranda: | ||
| Average total assets | $92,619,000 | 4,615 |
| Average earning assets | $83,905,600 | 4,637 |
| Average equity | $10,095,000 | 4,651 |
| Average total loans | $38,533,800 | 5,067 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 4,311 |
| Cost of funding earning assets | 0.4291% | 2,915 |
| Net interest margin | 3.3065% | 4,315 |
| Noninterest income to average assets | 1.2018% | 839 |
| Noninterest expense to average assets | 3.7442% | 915 |
| Loan and lease loss provision to assets | 0.0868% | 2,427 |
| Net operating income to assets | 0.3572% | 5,296 |
| Return on assets (ROA) | 0.4628% | 5,019 |
| Pretax return on assets | 0.4628% | 5,314 |
| Return on Equity (ROE) | 4.2301% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.8335% | 3,745 |
| Net charge-offs to loans | 0.2818% | 946 |
| Credit loss provision to net charge-offs | 74.0741% | 2,696 |
| Earnings coverage of net charge-offs (x) | 3.7900% | 3,454 |
| Efficiency ratio | 89.3992% | 737 |
| Assets per employee ($millions) | 2.5484% | 5,936 |
| Cash dividends to net income (ytd only)* | 9.3751% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 2,701 |
| Loan loss allowance to noncurrent loans | 51.1009% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.4410% | 1,579 |
| Noncurrent loans to loans | 2.6984% | 714 |
| Net loans and leases to total assets | 43.4244% | 5,391 |
| Net loans and leases to deposits | 49.7242% | 5,483 |
| Net loans and leases to core deposits | 56.3695% | 5,285 |
| Total domestic deposits to total assets | 87.3306% | 1,881 |
| Equity capital to assets | 11.1302% | 2,878 |
| Core capital (leverage) ratio | 10.9753% | 2,516 |
| Tier 1 risk-based capital ratio | 20.5014% | 1,435 |
| Total risk-based capital ratio | 21.6249% | 1,429 |
| Memoranda: | ||
| Average total assets | $92,192,500 | 4,676 |
| Average earning assets | $83,267,250 | 4,710 |
| Average equity | $10,086,250 | 4,704 |
| Average total loans | $38,322,000 | 5,130 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,660 |
| Cost of funding earning assets | 0.4240% | 3,000 |
| Net interest margin | 3.1980% | 4,670 |
| Noninterest income to average assets | 1.1955% | 847 |
| Noninterest expense to average assets | 3.7577% | 921 |
| Loan and lease loss provision to assets | 0.0866% | 2,376 |
| Net operating income to assets | 0.2426% | 5,598 |
| Return on assets (ROA) | 0.4007% | 5,239 |
| Pretax return on assets | 0.4007% | 5,465 |
| Return on Equity (ROE) | 3.6835% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.0862% | 4,082 |
| Net charge-offs to loans | 0.3561% | 738 |
| Credit loss provision to net charge-offs | 59.7015% | 2,599 |
| Earnings coverage of net charge-offs (x) | 2.2687% | 3,376 |
| Efficiency ratio | 91.9449% | 644 |
| Assets per employee ($millions) | 2.4938% | 6,033 |
| Cash dividends to net income (ytd only)* | 16.2162% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 2,351 |
| Loan loss allowance to noncurrent loans | 45.6576% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.5206% | 1,611 |
| Noncurrent loans to loans | 3.2568% | 573 |
| Net loans and leases to total assets | 39.6341% | 5,652 |
| Net loans and leases to deposits | 44.9539% | 5,725 |
| Net loans and leases to core deposits | 50.5914% | 5,591 |
| Total domestic deposits to total assets | 88.1661% | 1,568 |
| Equity capital to assets | 10.3881% | 3,575 |
| Core capital (leverage) ratio | 10.7280% | 2,700 |
| Tier 1 risk-based capital ratio | 21.0717% | 1,345 |
| Total risk-based capital ratio | 22.2316% | 1,335 |
| Memoranda: | ||
| Average total assets | $92,343,000 | 4,716 |
| Average earning assets | $83,489,330 | 4,749 |
| Average equity | $10,044,670 | 4,741 |
| Average total loans | $37,631,000 | 5,199 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 4,804 |
| Cost of funding earning assets | 0.4209% | 3,062 |
| Net interest margin | 3.1379% | 4,826 |
| Noninterest income to average assets | 1.2427% | 739 |
| Noninterest expense to average assets | 3.7367% | 957 |
| Loan and lease loss provision to assets | 0.1299% | 1,595 |
| Net operating income to assets | 0.2165% | 5,641 |
| Return on assets (ROA) | 0.2165% | 5,732 |
| Pretax return on assets | 0.2165% | 5,805 |
| Return on Equity (ROE) | 1.9466% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.9466% | 4,694 |
| Net charge-offs to loans | 0.5279% | 475 |
| Credit loss provision to net charge-offs | 60.0000% | 1,997 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 2,894 |
| Efficiency ratio | 91.5164% | 748 |
| Assets per employee ($millions) | 2.5497% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 2,382 |
| Loan loss allowance to noncurrent loans | 42.8681% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 1,494 |
| Noncurrent loans to loans | 3.5384% | 539 |
| Net loans and leases to total assets | 38.4715% | 5,699 |
| Net loans and leases to deposits | 43.9262% | 5,763 |
| Net loans and leases to core deposits | 49.2356% | 5,624 |
| Total domestic deposits to total assets | 87.5821% | 2,054 |
| Equity capital to assets | 11.0653% | 2,902 |
| Core capital (leverage) ratio | 10.7083% | 2,742 |
| Tier 1 risk-based capital ratio | 21.4253% | 1,343 |
| Total risk-based capital ratio | 22.6322% | 1,327 |
| Memoranda: | ||
| Average total assets | $92,380,000 | 4,761 |
| Average earning assets | $83,622,000 | 4,784 |
| Average equity | $10,274,500 | 4,726 |
| Average total loans | $37,885,500 | 5,219 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,180 |
| Cost of funding earning assets | 0.4621% | 3,051 |
| Net interest margin | 3.6735% | 3,112 |
| Noninterest income to average assets | 1.2835% | 738 |
| Noninterest expense to average assets | 3.7026% | 1,144 |
| Loan and lease loss provision to assets | 0.2094% | 1,194 |
| Net operating income to assets | 0.6916% | 3,935 |
| Return on assets (ROA) | 0.7015% | 4,001 |
| Pretax return on assets | 0.7015% | 4,624 |
| Return on Equity (ROE) | 6.8839% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.3344% | 3,851 |
| Net charge-offs to loans | 0.3487% | 1,261 |
| Credit loss provision to net charge-offs | 137.4101% | 1,720 |
| Earnings coverage of net charge-offs (x) | 5.9137% | 3,319 |
| Efficiency ratio | 80.4286% | 1,861 |
| Assets per employee ($millions) | 2.5117% | 6,155 |
| Cash dividends to net income (ytd only)* | 51.5625% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 2,534 |
| Loan loss allowance to noncurrent loans | 40.1804% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 1.9321% | 1,332 |
| Noncurrent loans to loans | 3.7027% | 532 |
| Net loans and leases to total assets | 42.4010% | 5,584 |
| Net loans and leases to deposits | 48.5193% | 5,656 |
| Net loans and leases to core deposits | 54.5766% | 5,474 |
| Total domestic deposits to total assets | 87.3900% | 2,087 |
| Equity capital to assets | 11.1812% | 2,720 |
| Core capital (leverage) ratio | 10.8215% | 2,595 |
| Tier 1 risk-based capital ratio | 21.4010% | 1,325 |
| Total risk-based capital ratio | 22.6516% | 1,302 |
| Memoranda: | ||
| Average total assets | $91,233,400 | 4,808 |
| Average earning assets | $82,455,600 | 4,839 |
| Average equity | $9,297,000 | 4,901 |
| Average total loans | $39,857,200 | 5,188 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 2,981 |
| Cost of funding earning assets | 0.4668% | 3,084 |
| Net interest margin | 3.7358% | 2,868 |
| Noninterest income to average assets | 1.3051% | 712 |
| Noninterest expense to average assets | 3.7417% | 1,056 |
| Loan and lease loss provision to assets | 0.2493% | 869 |
| Net operating income to assets | 0.6868% | 4,012 |
| Return on assets (ROA) | 0.6985% | 4,041 |
| Pretax return on assets | 0.6985% | 4,703 |
| Return on Equity (ROE) | 7.0230% | 3,702 |
| Retained earnings to average equity (ytd only) | 5.1903% | 2,962 |
| Net charge-offs to loans | 0.2461% | 1,564 |
| Credit loss provision to net charge-offs | 231.0811% | 1,130 |
| Earnings coverage of net charge-offs (x) | 8.6761% | 2,762 |
| Efficiency ratio | 79.9875% | 1,921 |
| Assets per employee ($millions) | 2.4148% | 6,285 |
| Cash dividends to net income (ytd only)* | 26.0957% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 2,665 |
| Loan loss allowance to noncurrent loans | 48.8645% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.6150% | 1,878 |
| Noncurrent loans to loans | 3.0877% | 849 |
| Net loans and leases to total assets | 44.3889% | 5,497 |
| Net loans and leases to deposits | 50.4952% | 5,621 |
| Net loans and leases to core deposits | 56.5108% | 5,418 |
| Total domestic deposits to total assets | 87.9070% | 1,811 |
| Equity capital to assets | 10.6294% | 3,400 |
| Core capital (leverage) ratio | 10.8504% | 2,635 |
| Tier 1 risk-based capital ratio | 20.2078% | 1,616 |
| Total risk-based capital ratio | 21.4588% | 1,579 |
| Memoranda: | ||
| Average total assets | $91,436,750 | 4,855 |
| Average earning assets | $82,550,500 | 4,887 |
| Average equity | $9,093,750 | 4,988 |
| Average total loans | $40,092,000 | 5,238 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 3,259 |
| Cost of funding earning assets | 0.4687% | 3,119 |
| Net interest margin | 3.6527% | 3,130 |
| Noninterest income to average assets | 1.2833% | 716 |
| Noninterest expense to average assets | 3.6747% | 1,181 |
| Loan and lease loss provision to assets | 0.1664% | 1,473 |
| Net operating income to assets | 0.7358% | 3,646 |
| Return on assets (ROA) | 0.7380% | 3,723 |
| Pretax return on assets | 0.7380% | 4,501 |
| Return on Equity (ROE) | 7.5955% | 3,322 |
| Retained earnings to average equity (ytd only) | 4.7782% | 3,104 |
| Net charge-offs to loans | 0.1260% | 2,407 |
| Credit loss provision to net charge-offs | 304.0000% | 843 |
| Earnings coverage of net charge-offs (x) | 16.4800% | 1,791 |
| Efficiency ratio | 80.2871% | 1,982 |
| Assets per employee ($millions) | 2.5536% | 6,252 |
| Cash dividends to net income (ytd only)* | 37.0920% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 3,209 |
| Loan loss allowance to noncurrent loans | 38.0013% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 1.8775% | 1,733 |
| Noncurrent loans to loans | 3.7542% | 661 |
| Net loans and leases to total assets | 43.4428% | 5,571 |
| Net loans and leases to deposits | 49.1726% | 5,697 |
| Net loans and leases to core deposits | 54.9733% | 5,489 |
| Total domestic deposits to total assets | 88.3477% | 1,710 |
| Equity capital to assets | 10.2654% | 3,738 |
| Core capital (leverage) ratio | 10.6360% | 2,777 |
| Tier 1 risk-based capital ratio | 20.3087% | 1,609 |
| Total risk-based capital ratio | 21.5094% | 1,595 |
| Memoranda: | ||
| Average total assets | $91,327,670 | 4,897 |
| Average earning assets | $82,351,000 | 4,931 |
| Average equity | $8,873,670 | 5,061 |
| Average total loans | $39,670,330 | 5,289 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,766 |
| Cost of funding earning assets | 0.4678% | 3,249 |
| Net interest margin | 3.5134% | 3,629 |
| Noninterest income to average assets | 1.2084% | 758 |
| Noninterest expense to average assets | 3.5550% | 1,390 |
| Loan and lease loss provision to assets | 0.2461% | 881 |
| Net operating income to assets | 0.5757% | 4,318 |
| Return on assets (ROA) | 0.5757% | 4,389 |
| Pretax return on assets | 0.5757% | 4,914 |
| Return on Equity (ROE) | 6.0987% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.0987% | 2,486 |
| Net charge-offs to loans | 0.1325% | 1,919 |
| Credit loss provision to net charge-offs | 430.7692% | 613 |
| Earnings coverage of net charge-offs (x) | 14.3846% | 1,612 |
| Efficiency ratio | 81.2249% | 2,025 |
| Assets per employee ($millions) | 2.5708% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 3,403 |
| Loan loss allowance to noncurrent loans | 23.9899% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 2.8602% | 1,025 |
| Noncurrent loans to loans | 6.0115% | 302 |
| Net loans and leases to total assets | 42.0910% | 5,660 |
| Net loans and leases to deposits | 47.2387% | 5,777 |
| Net loans and leases to core deposits | 52.8018% | 5,574 |
| Total domestic deposits to total assets | 89.1028% | 1,587 |
| Equity capital to assets | 9.5973% | 4,355 |
| Core capital (leverage) ratio | 10.6036% | 2,805 |
| Tier 1 risk-based capital ratio | 20.4804% | 1,591 |
| Total risk-based capital ratio | 21.6845% | 1,573 |
| Memoranda: | ||
| Average total assets | $91,026,500 | 4,937 |
| Average earning assets | $82,086,500 | 4,972 |
| Average equity | $8,592,000 | 5,155 |
| Average total loans | $39,248,000 | 5,350 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 4,415 |
| Cost of funding earning assets | 0.5058% | 3,546 |
| Net interest margin | 3.4064% | 4,251 |
| Noninterest income to average assets | 0.7971% | 2,091 |
| Noninterest expense to average assets | 3.4157% | 1,847 |
| Loan and lease loss provision to assets | 0.0714% | 3,691 |
| Net operating income to assets | 0.3711% | 5,256 |
| Return on assets (ROA) | 0.4864% | 4,932 |
| Pretax return on assets | 0.4864% | 5,239 |
| Return on Equity (ROE) | 4.9370% | 4,663 |
| Retained earnings to average equity (ytd only) | 2.3181% | 4,600 |
| Net charge-offs to loans | 0.5098% | 1,296 |
| Credit loss provision to net charge-offs | 33.5052% | 4,171 |
| Earnings coverage of net charge-offs (x) | 2.0773% | 4,353 |
| Efficiency ratio | 88.5316% | 1,164 |
| Assets per employee ($millions) | 2.6325% | 6,290 |
| Cash dividends to net income (ytd only)* | 53.0474% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 3,883 |
| Loan loss allowance to noncurrent loans | 23.2568% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 3.0378% | 1,032 |
| Noncurrent loans to loans | 5.8144% | 366 |
| Net loans and leases to total assets | 42.9524% | 5,757 |
| Net loans and leases to deposits | 48.1025% | 5,892 |
| Net loans and leases to core deposits | 53.9148% | 5,679 |
| Total domestic deposits to total assets | 89.2935% | 1,434 |
| Equity capital to assets | 9.2754% | 4,716 |
| Core capital (leverage) ratio | 10.5752% | 2,816 |
| Tier 1 risk-based capital ratio | 20.2640% | 1,596 |
| Total risk-based capital ratio | 21.3806% | 1,592 |
| Memoranda: | ||
| Average total assets | $91,078,600 | 4,952 |
| Average earning assets | $81,844,800 | 4,989 |
| Average equity | $8,973,000 | 5,084 |
| Average total loans | $38,052,200 | 5,421 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8775% | 4,587 |
| Cost of funding earning assets | 0.5143% | 3,628 |
| Net interest margin | 3.3632% | 4,419 |
| Noninterest income to average assets | 0.8221% | 2,047 |
| Noninterest expense to average assets | 3.5172% | 1,576 |
| Loan and lease loss provision to assets | 0.0437% | 4,137 |
| Net operating income to assets | 0.2828% | 5,671 |
| Return on assets (ROA) | 0.4344% | 5,241 |
| Pretax return on assets | 0.4344% | 5,540 |
| Return on Equity (ROE) | 4.3467% | 5,053 |
| Retained earnings to average equity (ytd only) | 2.5234% | 4,806 |
| Net charge-offs to loans | 0.5535% | 1,148 |
| Credit loss provision to net charge-offs | 19.1083% | 4,086 |
| Earnings coverage of net charge-offs (x) | 1.4267% | 4,361 |
| Efficiency ratio | 91.5055% | 885 |
| Assets per employee ($millions) | 2.5859% | 6,398 |
| Cash dividends to net income (ytd only)* | 41.9460% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 3,961 |
| Loan loss allowance to noncurrent loans | 23.3142% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 3.2340% | 1,098 |
| Noncurrent loans to loans | 5.9418% | 434 |
| Net loans and leases to total assets | 41.6078% | 5,924 |
| Net loans and leases to deposits | 46.6041% | 6,060 |
| Net loans and leases to core deposits | 52.3115% | 5,874 |
| Total domestic deposits to total assets | 89.2793% | 1,419 |
| Equity capital to assets | 9.2103% | 4,921 |
| Core capital (leverage) ratio | 10.3966% | 3,108 |
| Tier 1 risk-based capital ratio | 20.7031% | 1,556 |
| Total risk-based capital ratio | 21.8691% | 1,549 |
| Memoranda: | ||
| Average total assets | $91,471,750 | 4,990 |
| Average earning assets | $82,180,750 | 5,021 |
| Average equity | $9,140,750 | 5,105 |
| Average total loans | $37,822,250 | 5,485 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 4,705 |
| Cost of funding earning assets | 0.5239% | 3,666 |
| Net interest margin | 3.3130% | 4,523 |
| Noninterest income to average assets | 0.8824% | 1,880 |
| Noninterest expense to average assets | 3.5101% | 1,582 |
| Loan and lease loss provision to assets | 0.0327% | 4,280 |
| Net operating income to assets | 0.3159% | 5,542 |
| Return on assets (ROA) | 0.5011% | 4,963 |
| Pretax return on assets | 0.5011% | 5,376 |
| Return on Equity (ROE) | 4.8889% | 4,784 |
| Retained earnings to average equity (ytd only) | 2.2319% | 4,852 |
| Net charge-offs to loans | 0.5517% | 1,196 |
| Credit loss provision to net charge-offs | 14.4231% | 3,835 |
| Earnings coverage of net charge-offs (x) | 1.5385% | 4,020 |
| Efficiency ratio | 90.9656% | 986 |
| Assets per employee ($millions) | 2.6054% | 6,395 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 3,600 |
| Loan loss allowance to noncurrent loans | 30.6156% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 2.8951% | 1,414 |
| Noncurrent loans to loans | 4.8916% | 679 |
| Net loans and leases to total assets | 40.8979% | 5,978 |
| Net loans and leases to deposits | 45.7938% | 6,118 |
| Net loans and leases to core deposits | 51.3430% | 5,934 |
| Total domestic deposits to total assets | 89.3089% | 1,441 |
| Equity capital to assets | 9.2907% | 4,871 |
| Core capital (leverage) ratio | 10.0634% | 3,428 |
| Tier 1 risk-based capital ratio | 20.8789% | 1,516 |
| Total risk-based capital ratio | 22.1282% | 1,494 |
| Memoranda: | ||
| Average total assets | $91,793,330 | 5,016 |
| Average earning assets | $82,462,330 | 5,039 |
| Average equity | $9,409,000 | 5,082 |
| Average total loans | $37,700,670 | 5,517 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 5,150 |
| Cost of funding earning assets | 0.5331% | 3,744 |
| Net interest margin | 3.1697% | 5,031 |
| Noninterest income to average assets | 0.7427% | 2,362 |
| Noninterest expense to average assets | 3.3139% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2693% | 5,665 |
| Return on assets (ROA) | 0.3562% | 5,465 |
| Pretax return on assets | 0.3562% | 5,700 |
| Return on Equity (ROE) | 3.3207% | 5,424 |
| Retained earnings to average equity (ytd only) | 3.3207% | 4,258 |
| Net charge-offs to loans | 0.9144% | 665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.7209% | 3,588 |
| Efficiency ratio | 92.4848% | 947 |
| Assets per employee ($millions) | 2.8477% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 3,737 |
| Loan loss allowance to noncurrent loans | 35.5362% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 2.5613% | 1,792 |
| Noncurrent loans to loans | 4.2769% | 1,006 |
| Net loans and leases to total assets | 39.3024% | 6,051 |
| Net loans and leases to deposits | 44.5213% | 6,159 |
| Net loans and leases to core deposits | 50.0854% | 5,971 |
| Total domestic deposits to total assets | 88.2776% | 2,142 |
| Equity capital to assets | 10.4742% | 3,570 |
| Core capital (leverage) ratio | 10.0199% | 3,355 |
| Tier 1 risk-based capital ratio | 21.3518% | 1,461 |
| Total risk-based capital ratio | 22.6027% | 1,437 |
| Memoranda: | ||
| Average total assets | $92,096,000 | 5,049 |
| Average earning assets | $82,532,500 | 5,074 |
| Average equity | $9,877,500 | 5,017 |
| Average total loans | $37,620,500 | 5,559 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 4,315 |
| Cost of funding earning assets | 0.6210% | 4,167 |
| Net interest margin | 3.6494% | 3,878 |
| Noninterest income to average assets | 1.4671% | 726 |
| Noninterest expense to average assets | 3.5827% | 1,649 |
| Loan and lease loss provision to assets | 0.4898% | 1,234 |
| Net operating income to assets | 0.6474% | 4,000 |
| Return on assets (ROA) | 0.6933% | 4,033 |
| Pretax return on assets | 0.6933% | 4,687 |
| Return on Equity (ROE) | 6.3139% | 4,009 |
| Retained earnings to average equity (ytd only) | 2.9533% | 4,147 |
| Net charge-offs to loans | 0.8642% | 1,324 |
| Credit loss provision to net charge-offs | 126.9565% | 2,223 |
| Earnings coverage of net charge-offs (x) | 2.9478% | 3,954 |
| Efficiency ratio | 75.9062% | 2,760 |
| Assets per employee ($millions) | 2.6535% | 6,478 |
| Cash dividends to net income (ytd only)* | 53.2258% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 2,794 |
| Loan loss allowance to noncurrent loans | 41.1802% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 2.8187% | 1,698 |
| Noncurrent loans to loans | 4.2213% | 1,067 |
| Net loans and leases to total assets | 41.1016% | 6,089 |
| Net loans and leases to deposits | 46.8532% | 6,185 |
| Net loans and leases to core deposits | 52.9797% | 5,941 |
| Total domestic deposits to total assets | 87.7242% | 2,394 |
| Equity capital to assets | 10.9867% | 2,966 |
| Core capital (leverage) ratio | 10.1394% | 3,225 |
| Tier 1 risk-based capital ratio | 21.4647% | 1,368 |
| Total risk-based capital ratio | 22.7170% | 1,338 |
| Memoranda: | ||
| Average total assets | $89,429,400 | 5,104 |
| Average earning assets | $79,712,000 | 5,134 |
| Average equity | $9,819,600 | 5,016 |
| Average total loans | $39,923,400 | 5,510 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 4,203 |
| Cost of funding earning assets | 0.6302% | 4,364 |
| Net interest margin | 3.7308% | 3,652 |
| Noninterest income to average assets | 1.5958% | 585 |
| Noninterest expense to average assets | 3.6578% | 1,438 |
| Loan and lease loss provision to assets | 0.4497% | 1,396 |
| Net operating income to assets | 0.8054% | 3,424 |
| Return on assets (ROA) | 0.8054% | 3,668 |
| Pretax return on assets | 0.8054% | 4,462 |
| Return on Equity (ROE) | 7.3358% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.6346% | 2,934 |
| Net charge-offs to loans | 1.0048% | 1,058 |
| Credit loss provision to net charge-offs | 98.6885% | 3,041 |
| Earnings coverage of net charge-offs (x) | 2.7541% | 3,935 |
| Efficiency ratio | 74.4526% | 2,907 |
| Assets per employee ($millions) | 2.4633% | 6,728 |
| Cash dividends to net income (ytd only)* | 23.1907% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,300 |
| Loan loss allowance to noncurrent loans | 33.1357% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 3.1182% | 1,661 |
| Noncurrent loans to loans | 4.2762% | 1,142 |
| Net loans and leases to total assets | 42.6714% | 6,069 |
| Net loans and leases to deposits | 48.8618% | 6,200 |
| Net loans and leases to core deposits | 55.9581% | 5,890 |
| Total domestic deposits to total assets | 87.3309% | 2,479 |
| Equity capital to assets | 11.3251% | 2,906 |
| Core capital (leverage) ratio | 10.3142% | 3,144 |
| Tier 1 risk-based capital ratio | 20.6762% | 1,603 |
| Total risk-based capital ratio | 21.9130% | 1,572 |
| Memoranda: | ||
| Average total assets | $89,232,250 | 5,167 |
| Average earning assets | $79,338,500 | 5,201 |
| Average equity | $9,796,500 | 5,076 |
| Average total loans | $40,470,000 | 5,551 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 4,311 |
| Cost of funding earning assets | 0.6346% | 4,579 |
| Net interest margin | 3.7342% | 3,663 |
| Noninterest income to average assets | 1.1490% | 1,079 |
| Noninterest expense to average assets | 3.5781% | 1,626 |
| Loan and lease loss provision to assets | 0.2664% | 2,451 |
| Net operating income to assets | 0.6253% | 4,250 |
| Return on assets (ROA) | 0.6253% | 4,497 |
| Pretax return on assets | 0.6253% | 5,051 |
| Return on Equity (ROE) | 5.7580% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.1596% | 4,517 |
| Net charge-offs to loans | 0.3921% | 2,452 |
| Credit loss provision to net charge-offs | 147.5000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 4.9375% | 2,953 |
| Efficiency ratio | 80.0505% | 2,165 |
| Assets per employee ($millions) | 2.4829% | 6,779 |
| Cash dividends to net income (ytd only)* | 45.1264% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 4,166 |
| Loan loss allowance to noncurrent loans | 22.2263% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 3.9794% | 1,288 |
| Noncurrent loans to loans | 6.6029% | 622 |
| Net loans and leases to total assets | 45.1429% | 5,907 |
| Net loans and leases to deposits | 51.4937% | 6,058 |
| Net loans and leases to core deposits | 58.0139% | 5,773 |
| Total domestic deposits to total assets | 87.6668% | 2,357 |
| Equity capital to assets | 11.0544% | 3,056 |
| Core capital (leverage) ratio | 10.1815% | 3,164 |
| Tier 1 risk-based capital ratio | 19.8410% | 1,742 |
| Total risk-based capital ratio | 21.0926% | 1,713 |
| Memoranda: | ||
| Average total assets | $88,595,330 | 5,210 |
| Average earning assets | $78,785,670 | 5,250 |
| Average equity | $9,621,330 | 5,130 |
| Average total loans | $40,809,670 | 5,562 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 4,017 |
| Cost of funding earning assets | 0.6501% | 4,736 |
| Net interest margin | 3.8241% | 3,271 |
| Noninterest income to average assets | 1.1111% | 1,146 |
| Noninterest expense to average assets | 3.6236% | 1,516 |
| Loan and lease loss provision to assets | 0.0680% | 4,559 |
| Net operating income to assets | 0.8073% | 3,340 |
| Return on assets (ROA) | 0.8073% | 3,581 |
| Pretax return on assets | 0.8073% | 4,385 |
| Return on Equity (ROE) | 7.5014% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.5014% | 2,173 |
| Net charge-offs to loans | 0.3240% | 2,354 |
| Credit loss provision to net charge-offs | 45.4545% | 3,356 |
| Earnings coverage of net charge-offs (x) | 5.8485% | 2,290 |
| Efficiency ratio | 80.5444% | 2,138 |
| Assets per employee ($millions) | 2.5606% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,788 |
| Loan loss allowance to noncurrent loans | 32.6347% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 2.9413% | 1,966 |
| Noncurrent loans to loans | 4.1481% | 1,456 |
| Net loans and leases to total assets | 44.3133% | 5,978 |
| Net loans and leases to deposits | 50.3819% | 6,109 |
| Net loans and leases to core deposits | 56.6509% | 5,847 |
| Total domestic deposits to total assets | 87.9548% | 2,349 |
| Equity capital to assets | 10.7095% | 3,258 |
| Core capital (leverage) ratio | 10.2868% | 3,009 |
| Tier 1 risk-based capital ratio | 20.2072% | 1,655 |
| Total risk-based capital ratio | 21.4162% | 1,645 |
| Memoranda: | ||
| Average total assets | $88,200,500 | 5,264 |
| Average earning assets | $78,136,000 | 5,299 |
| Average equity | $9,491,500 | 5,173 |
| Average total loans | $40,738,500 | 5,611 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0558% | 2,629 |
| Cost of funding earning assets | 0.9208% | 3,953 |
| Net interest margin | 4.1350% | 2,287 |
| Noninterest income to average assets | 1.3607% | 698 |
| Noninterest expense to average assets | 3.6826% | 1,565 |
| Loan and lease loss provision to assets | 0.6067% | 1,704 |
| Net operating income to assets | 0.6746% | 3,605 |
| Return on assets (ROA) | 0.8956% | 2,756 |
| Pretax return on assets | 0.8956% | 3,619 |
| Return on Equity (ROE) | 8.4538% | 2,692 |
| Retained earnings to average equity (ytd only) | 4.1074% | 3,265 |
| Net charge-offs to loans | 1.6021% | 990 |
| Credit loss provision to net charge-offs | 72.9917% | 4,736 |
| Earnings coverage of net charge-offs (x) | 1.5416% | 4,617 |
| Efficiency ratio | 74.1883% | 3,203 |
| Assets per employee ($millions) | 2.4794% | 6,850 |
| Cash dividends to net income (ytd only)* | 51.4139% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 4,616 |
| Loan loss allowance to noncurrent loans | 31.2257% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 3.1263% | 1,908 |
| Noncurrent loans to loans | 4.3743% | 1,380 |
| Net loans and leases to total assets | 46.8484% | 5,934 |
| Net loans and leases to deposits | 53.2845% | 6,121 |
| Net loans and leases to core deposits | 60.3548% | 5,815 |
| Total domestic deposits to total assets | 87.9212% | 2,208 |
| Equity capital to assets | 10.8147% | 3,179 |
| Core capital (leverage) ratio | 10.1057% | 3,221 |
| Tier 1 risk-based capital ratio | 19.5030% | 1,758 |
| Total risk-based capital ratio | 20.7324% | 1,733 |
| Memoranda: | ||
| Average total assets | $86,867,000 | 5,266 |
| Average earning assets | $75,695,000 | 5,352 |
| Average equity | $9,203,000 | 5,227 |
| Average total loans | $45,066,200 | 5,467 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 2,170 |
| Cost of funding earning assets | 0.9806% | 3,814 |
| Net interest margin | 4.2299% | 1,990 |
| Noninterest income to average assets | 1.4025% | 663 |
| Noninterest expense to average assets | 3.7518% | 1,395 |
| Loan and lease loss provision to assets | 0.7089% | 1,354 |
| Net operating income to assets | 0.6153% | 4,022 |
| Return on assets (ROA) | 0.9100% | 2,841 |
| Pretax return on assets | 0.9100% | 3,721 |
| Return on Equity (ROE) | 8.6339% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.8139% | 2,070 |
| Net charge-offs to loans | 1.8655% | 703 |
| Credit loss provision to net charge-offs | 71.7391% | 4,424 |
| Earnings coverage of net charge-offs (x) | 1.3401% | 4,611 |
| Efficiency ratio | 73.9117% | 3,198 |
| Assets per employee ($millions) | 2.6054% | 6,777 |
| Cash dividends to net income (ytd only)* | 21.0789% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 5,079 |
| Loan loss allowance to noncurrent loans | 50.0871% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.5264% | 2,553 |
| Noncurrent loans to loans | 2.5646% | 2,698 |
| Net loans and leases to total assets | 49.8837% | 5,716 |
| Net loans and leases to deposits | 56.7785% | 5,952 |
| Net loans and leases to core deposits | 64.0727% | 5,601 |
| Total domestic deposits to total assets | 87.8567% | 2,127 |
| Equity capital to assets | 10.7785% | 3,387 |
| Core capital (leverage) ratio | 10.2178% | 3,172 |
| Tier 1 risk-based capital ratio | 18.1588% | 2,197 |
| Total risk-based capital ratio | 19.3163% | 2,189 |
| Memoranda: | ||
| Average total assets | $86,888,750 | 5,300 |
| Average earning assets | $75,460,000 | 5,402 |
| Average equity | $9,157,500 | 5,268 |
| Average total loans | $46,028,250 | 5,462 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 1,821 |
| Cost of funding earning assets | 1.0249% | 3,781 |
| Net interest margin | 4.2953% | 1,678 |
| Noninterest income to average assets | 1.1816% | 918 |
| Noninterest expense to average assets | 3.5726% | 1,804 |
| Loan and lease loss provision to assets | 0.8804% | 1,013 |
| Net operating income to assets | 0.4379% | 4,779 |
| Return on assets (ROA) | 0.8804% | 2,833 |
| Pretax return on assets | 0.8804% | 3,711 |
| Return on Equity (ROE) | 8.4189% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.4189% | 1,295 |
| Net charge-offs to loans | 2.6911% | 413 |
| Credit loss provision to net charge-offs | 60.8000% | 4,321 |
| Earnings coverage of net charge-offs (x) | 0.9104% | 4,616 |
| Efficiency ratio | 73.0459% | 3,532 |
| Assets per employee ($millions) | 2.6644% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,846 |
| Loan loss allowance to noncurrent loans | 44.0722% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 2.7137% | 2,462 |
| Noncurrent loans to loans | 2.5536% | 2,826 |
| Net loans and leases to total assets | 51.2585% | 5,661 |
| Net loans and leases to deposits | 58.1738% | 5,919 |
| Net loans and leases to core deposits | 65.5797% | 5,557 |
| Total domestic deposits to total assets | 88.1126% | 2,067 |
| Equity capital to assets | 10.4748% | 3,539 |
| Core capital (leverage) ratio | 10.2968% | 2,940 |
| Tier 1 risk-based capital ratio | 16.8049% | 2,605 |
| Total risk-based capital ratio | 17.7700% | 2,687 |
| Memoranda: | ||
| Average total assets | $86,323,670 | 5,364 |
| Average earning assets | $74,547,000 | 5,477 |
| Average equity | $9,027,330 | 5,319 |
| Average total loans | $46,449,670 | 5,503 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2738% | 1,963 |
| Cost of funding earning assets | 1.0183% | 4,070 |
| Net interest margin | 4.2555% | 1,719 |
| Noninterest income to average assets | 1.1412% | 1,002 |
| Noninterest expense to average assets | 3.5172% | 1,958 |
| Loan and lease loss provision to assets | 0.2339% | 3,311 |
| Net operating income to assets | 1.1038% | 1,831 |
| Return on assets (ROA) | 1.1038% | 1,880 |
| Pretax return on assets | 1.1038% | 2,740 |
| Return on Equity (ROE) | 10.5640% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.5640% | 979 |
| Net charge-offs to loans | 1.5954% | 847 |
| Credit loss provision to net charge-offs | 26.7380% | 4,171 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 3,566 |
| Efficiency ratio | 72.4470% | 3,779 |
| Assets per employee ($millions) | 2.6740% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,899 |
| Loan loss allowance to noncurrent loans | 42.8867% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 2.8977% | 2,383 |
| Noncurrent loans to loans | 3.1506% | 2,389 |
| Net loans and leases to total assets | 51.3797% | 5,665 |
| Net loans and leases to deposits | 58.1061% | 5,909 |
| Net loans and leases to core deposits | 66.1951% | 5,489 |
| Total domestic deposits to total assets | 88.4240% | 2,130 |
| Equity capital to assets | 10.2705% | 3,442 |
| Core capital (leverage) ratio | 10.2851% | 2,819 |
| Tier 1 risk-based capital ratio | 16.2491% | 2,784 |
| Total risk-based capital ratio | 17.3973% | 2,802 |
| Memoranda: | ||
| Average total assets | $85,523,000 | 5,424 |
| Average earning assets | $74,632,500 | 5,521 |
| Average equity | $8,936,000 | 5,350 |
| Average total loans | $46,883,500 | 5,526 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6288% | 1,799 |
| Cost of funding earning assets | 1.2025% | 4,552 |
| Net interest margin | 4.4263% | 1,410 |
| Noninterest income to average assets | 1.3376% | 822 |
| Noninterest expense to average assets | 3.7495% | 1,592 |
| Loan and lease loss provision to assets | 0.3192% | 4,256 |
| Net operating income to assets | 1.1471% | 1,551 |
| Return on assets (ROA) | 1.1471% | 1,638 |
| Pretax return on assets | 1.1471% | 2,411 |
| Return on Equity (ROE) | 10.6806% | 1,696 |
| Retained earnings to average equity (ytd only) | 6.1597% | 1,742 |
| Net charge-offs to loans | 0.2487% | 4,800 |
| Credit loss provision to net charge-offs | 222.8814% | 1,340 |
| Earnings coverage of net charge-offs (x) | 10.2373% | 1,737 |
| Efficiency ratio | 71.8874% | 3,813 |
| Assets per employee ($millions) | 2.5092% | 6,998 |
| Cash dividends to net income (ytd only)* | 42.3280% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,638 |
| Loan loss allowance to noncurrent loans | 39.5616% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 3.2378% | 2,181 |
| Noncurrent loans to loans | 4.0078% | 1,808 |
| Net loans and leases to total assets | 56.8204% | 5,211 |
| Net loans and leases to deposits | 64.5471% | 5,568 |
| Net loans and leases to core deposits | 73.0529% | 5,091 |
| Total domestic deposits to total assets | 88.0294% | 2,233 |
| Equity capital to assets | 10.6385% | 3,032 |
| Core capital (leverage) ratio | 10.3483% | 2,722 |
| Tier 1 risk-based capital ratio | 15.5326% | 2,985 |
| Total risk-based capital ratio | 16.7838% | 2,947 |
| Memoranda: | ||
| Average total assets | $82,384,400 | 5,515 |
| Average earning assets | $72,181,800 | 5,595 |
| Average equity | $8,847,800 | 5,465 |
| Average total loans | $47,455,200 | 5,581 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 1,986 |
| Cost of funding earning assets | 1.2212% | 4,733 |
| Net interest margin | 4.4001% | 1,524 |
| Noninterest income to average assets | 1.3417% | 755 |
| Noninterest expense to average assets | 3.7400% | 1,496 |
| Loan and lease loss provision to assets | 0.3128% | 4,078 |
| Net operating income to assets | 1.1424% | 1,756 |
| Return on assets (ROA) | 1.1424% | 1,866 |
| Pretax return on assets | 1.1424% | 2,687 |
| Return on Equity (ROE) | 10.6122% | 1,895 |
| Retained earnings to average equity (ytd only) | 8.7306% | 1,148 |
| Net charge-offs to loans | 0.2139% | 4,658 |
| Credit loss provision to net charge-offs | 253.9474% | 1,312 |
| Earnings coverage of net charge-offs (x) | 11.8158% | 1,752 |
| Efficiency ratio | 71.9900% | 3,699 |
| Assets per employee ($millions) | 2.6588% | 6,836 |
| Cash dividends to net income (ytd only)* | 17.7302% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 4,051 |
| Loan loss allowance to noncurrent loans | 48.3764% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.8983% | 2,502 |
| Noncurrent loans to loans | 3.0571% | 2,612 |
| Net loans and leases to total assets | 57.1560% | 5,388 |
| Net loans and leases to deposits | 65.2743% | 5,747 |
| Net loans and leases to core deposits | 73.0421% | 5,398 |
| Total domestic deposits to total assets | 87.5627% | 2,229 |
| Equity capital to assets | 10.9857% | 2,976 |
| Core capital (leverage) ratio | 10.2651% | 2,962 |
| Tier 1 risk-based capital ratio | 15.0759% | 3,216 |
| Total risk-based capital ratio | 16.3258% | 3,206 |
| Memoranda: | ||
| Average total assets | $82,279,750 | 5,586 |
| Average earning assets | $72,057,500 | 5,669 |
| Average equity | $8,857,500 | 5,534 |
| Average total loans | $47,367,250 | 5,665 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6117% | 2,096 |
| Cost of funding earning assets | 1.2458% | 4,860 |
| Net interest margin | 4.3659% | 1,547 |
| Noninterest income to average assets | 1.3498% | 692 |
| Noninterest expense to average assets | 3.7691% | 1,415 |
| Loan and lease loss provision to assets | 0.2532% | 4,395 |
| Net operating income to assets | 1.1531% | 1,688 |
| Return on assets (ROA) | 1.1531% | 1,748 |
| Pretax return on assets | 1.1531% | 2,578 |
| Return on Equity (ROE) | 10.7886% | 1,824 |
| Retained earnings to average equity (ytd only) | 7.9132% | 1,477 |
| Net charge-offs to loans | 0.2355% | 4,192 |
| Credit loss provision to net charge-offs | 187.2727% | 2,108 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,892 |
| Efficiency ratio | 72.8266% | 3,689 |
| Assets per employee ($millions) | 2.5779% | 6,987 |
| Cash dividends to net income (ytd only)* | 26.6525% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,548 |
| Loan loss allowance to noncurrent loans | 44.6320% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.9797% | 2,394 |
| Noncurrent loans to loans | 3.0845% | 2,608 |
| Net loans and leases to total assets | 57.4031% | 5,505 |
| Net loans and leases to deposits | 65.5732% | 5,867 |
| Net loans and leases to core deposits | 74.0203% | 5,444 |
| Total domestic deposits to total assets | 87.5406% | 2,237 |
| Equity capital to assets | 11.0386% | 2,822 |
| Core capital (leverage) ratio | 10.1484% | 2,999 |
| Tier 1 risk-based capital ratio | 15.0666% | 3,126 |
| Total risk-based capital ratio | 16.2590% | 3,117 |
| Memoranda: | ||
| Average total assets | $81,345,330 | 5,656 |
| Average earning assets | $71,279,330 | 5,731 |
| Average equity | $8,694,330 | 5,586 |
| Average total loans | $46,703,000 | 5,732 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 2,203 |
| Cost of funding earning assets | 1.2664% | 5,032 |
| Net interest margin | 4.3215% | 1,623 |
| Noninterest income to average assets | 1.3619% | 649 |
| Noninterest expense to average assets | 3.8182% | 1,301 |
| Loan and lease loss provision to assets | 0.1783% | 4,743 |
| Net operating income to assets | 1.1341% | 1,732 |
| Return on assets (ROA) | 1.1341% | 1,804 |
| Pretax return on assets | 1.1341% | 2,611 |
| Return on Equity (ROE) | 10.7911% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.7911% | 963 |
| Net charge-offs to loans | 0.1911% | 3,774 |
| Credit loss provision to net charge-offs | 163.6364% | 2,216 |
| Earnings coverage of net charge-offs (x) | 12.0455% | 1,595 |
| Efficiency ratio | 74.4208% | 3,506 |
| Assets per employee ($millions) | 2.5899% | 7,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,658 |
| Loan loss allowance to noncurrent loans | 32.9480% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 3.5317% | 1,989 |
| Noncurrent loans to loans | 4.1087% | 1,886 |
| Net loans and leases to total assets | 55.1287% | 5,870 |
| Net loans and leases to deposits | 62.5234% | 6,228 |
| Net loans and leases to core deposits | 70.0795% | 5,909 |
| Total domestic deposits to total assets | 88.1728% | 1,960 |
| Equity capital to assets | 10.5228% | 3,229 |
| Core capital (leverage) ratio | 10.1922% | 2,936 |
| Tier 1 risk-based capital ratio | 15.3133% | 2,960 |
| Total risk-based capital ratio | 16.4789% | 2,953 |
| Memoranda: | ||
| Average total assets | $80,772,000 | 5,742 |
| Average earning assets | $70,438,500 | 5,833 |
| Average equity | $8,488,500 | 5,691 |
| Average total loans | $46,047,500 | 5,833 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1749% | 1,308 |
| Cost of funding earning assets | 1.5272% | 5,389 |
| Net interest margin | 4.6477% | 903 |
| Noninterest income to average assets | 1.2855% | 911 |
| Noninterest expense to average assets | 3.9032% | 1,505 |
| Loan and lease loss provision to assets | 0.4272% | 4,268 |
| Net operating income to assets | 1.0284% | 1,749 |
| Return on assets (ROA) | 1.2187% | 1,252 |
| Pretax return on assets | 1.2187% | 1,905 |
| Return on Equity (ROE) | 11.7343% | 1,225 |
| Retained earnings to average equity (ytd only) | 6.8804% | 1,009 |
| Net charge-offs to loans | 0.5691% | 3,516 |
| Credit loss provision to net charge-offs | 131.3953% | 3,852 |
| Earnings coverage of net charge-offs (x) | 4.4767% | 2,938 |
| Efficiency ratio | 72.8363% | 4,129 |
| Assets per employee ($millions) | 2.4583% | 7,269 |
| Cash dividends to net income (ytd only)* | 41.3650% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,539 |
| Loan loss allowance to noncurrent loans | 38.1219% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 3.2504% | 2,113 |
| Noncurrent loans to loans | 3.5125% | 2,163 |
| Net loans and leases to total assets | 57.4142% | 5,757 |
| Net loans and leases to deposits | 65.0919% | 6,153 |
| Net loans and leases to core deposits | 91.0752% | 5,003 |
| Total domestic deposits to total assets | 88.2047% | 1,881 |
| Equity capital to assets | 10.4949% | 3,186 |
| Core capital (leverage) ratio | 10.1772% | 2,918 |
| Tier 1 risk-based capital ratio | 14.9287% | 2,982 |
| Total risk-based capital ratio | 16.0716% | 2,990 |
| Memoranda: | ||
| Average total assets | $79,345,000 | 5,745 |
| Average earning assets | $69,539,200 | 5,825 |
| Average equity | $8,240,800 | 5,852 |
| Average total loans | $45,331,600 | 5,859 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2187% | 1,328 |
| Cost of funding earning assets | 1.5824% | 5,482 |
| Net interest margin | 4.6363% | 932 |
| Noninterest income to average assets | 1.5946% | 581 |
| Noninterest expense to average assets | 3.9422% | 1,367 |
| Loan and lease loss provision to assets | 0.4259% | 3,773 |
| Net operating income to assets | 1.2945% | 1,233 |
| Return on assets (ROA) | 1.2945% | 1,310 |
| Pretax return on assets | 1.2945% | 1,964 |
| Return on Equity (ROE) | 12.4962% | 1,237 |
| Retained earnings to average equity (ytd only) | 10.4729% | 550 |
| Net charge-offs to loans | 0.5632% | 2,994 |
| Credit loss provision to net charge-offs | 132.9843% | 3,756 |
| Earnings coverage of net charge-offs (x) | 5.3718% | 2,839 |
| Efficiency ratio | 69.6180% | 4,672 |
| Assets per employee ($millions) | 2.4709% | 7,275 |
| Cash dividends to net income (ytd only)* | 16.1914% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,588 |
| Loan loss allowance to noncurrent loans | 159.5174% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.6277% | 3,919 |
| Noncurrent loans to loans | 0.8062% | 5,690 |
| Net loans and leases to total assets | 57.7591% | 5,919 |
| Net loans and leases to deposits | 66.7675% | 6,234 |
| Net loans and leases to core deposits | 93.9343% | 5,021 |
| Total domestic deposits to total assets | 86.5078% | 2,422 |
| Equity capital to assets | 10.9867% | 3,019 |
| Core capital (leverage) ratio | 10.1536% | 3,111 |
| Tier 1 risk-based capital ratio | 15.1767% | 2,966 |
| Total risk-based capital ratio | 16.2935% | 2,956 |
| Memoranda: | ||
| Average total assets | $79,514,500 | 5,785 |
| Average earning assets | $69,766,000 | 5,853 |
| Average equity | $8,237,000 | 5,906 |
| Average total loans | $45,219,750 | 5,915 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1983% | 1,460 |
| Cost of funding earning assets | 1.6462% | 5,529 |
| Net interest margin | 4.5521% | 1,052 |
| Noninterest income to average assets | 1.5164% | 646 |
| Noninterest expense to average assets | 3.9541% | 1,391 |
| Loan and lease loss provision to assets | 0.2862% | 4,290 |
| Net operating income to assets | 1.2678% | 1,309 |
| Return on assets (ROA) | 1.2678% | 1,388 |
| Pretax return on assets | 1.2678% | 2,111 |
| Return on Equity (ROE) | 12.4892% | 1,291 |
| Retained earnings to average equity (ytd only) | 9.3978% | 839 |
| Net charge-offs to loans | 0.3432% | 3,461 |
| Credit loss provision to net charge-offs | 148.0519% | 3,118 |
| Earnings coverage of net charge-offs (x) | 8.0390% | 2,327 |
| Efficiency ratio | 71.7867% | 4,456 |
| Assets per employee ($millions) | 2.3950% | 7,436 |
| Cash dividends to net income (ytd only)* | 24.7525% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 4,582 |
| Loan loss allowance to noncurrent loans | 135.1544% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.6638% | 3,696 |
| Noncurrent loans to loans | 0.9273% | 5,360 |
| Net loans and leases to total assets | 56.7260% | 6,122 |
| Net loans and leases to deposits | 65.8462% | 6,410 |
| Net loans and leases to core deposits | 89.4587% | 5,577 |
| Total domestic deposits to total assets | 86.1493% | 2,708 |
| Equity capital to assets | 10.2105% | 3,705 |
| Core capital (leverage) ratio | 9.7130% | 3,615 |
| Tier 1 risk-based capital ratio | 14.8086% | 3,101 |
| Total risk-based capital ratio | 15.8859% | 3,116 |
| Memoranda: | ||
| Average total assets | $79,663,330 | 5,810 |
| Average earning assets | $69,857,330 | 5,893 |
| Average equity | $8,087,000 | 5,988 |
| Average total loans | $44,871,670 | 5,987 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2409% | 1,473 |
| Cost of funding earning assets | 1.7269% | 5,483 |
| Net interest margin | 4.5139% | 1,102 |
| Noninterest income to average assets | 1.4504% | 668 |
| Noninterest expense to average assets | 3.8611% | 1,367 |
| Loan and lease loss provision to assets | 0.2701% | 3,800 |
| Net operating income to assets | 1.2804% | 1,434 |
| Return on assets (ROA) | 1.2804% | 1,534 |
| Pretax return on assets | 1.2804% | 2,345 |
| Return on Equity (ROE) | 12.6490% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.6490% | 692 |
| Net charge-offs to loans | 0.2601% | 3,102 |
| Credit loss provision to net charge-offs | 186.2069% | 2,351 |
| Earnings coverage of net charge-offs (x) | 10.6897% | 1,932 |
| Efficiency ratio | 71.3494% | 4,302 |
| Assets per employee ($millions) | 2.4456% | 7,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,409 |
| Loan loss allowance to noncurrent loans | 58.6934% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 3,597 |
| Noncurrent loans to loans | 2.1336% | 3,073 |
| Net loans and leases to total assets | 52.8208% | 6,601 |
| Net loans and leases to deposits | 59.3800% | 6,941 |
| Net loans and leases to core deposits | 80.4827% | 6,346 |
| Total domestic deposits to total assets | 88.9538% | 1,247 |
| Equity capital to assets | 9.8315% | 4,207 |
| Core capital (leverage) ratio | 9.5869% | 3,886 |
| Tier 1 risk-based capital ratio | 14.7336% | 3,190 |
| Total risk-based capital ratio | 15.7999% | 3,214 |
| Memoranda: | ||
| Average total assets | $79,977,000 | 5,823 |
| Average earning assets | $70,182,500 | 5,906 |
| Average equity | $8,095,500 | 6,020 |
| Average total loans | $44,606,000 | 6,036 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9318% | 1,304 |
| Cost of funding earning assets | 2.2761% | 5,261 |
| Net interest margin | 4.6557% | 1,046 |
| Noninterest income to average assets | 1.6944% | 476 |
| Noninterest expense to average assets | 3.9049% | 1,550 |
| Loan and lease loss provision to assets | 0.7260% | 2,038 |
| Net operating income to assets | 1.2252% | 1,702 |
| Return on assets (ROA) | 1.2252% | 1,643 |
| Pretax return on assets | 1.2252% | 2,568 |
| Return on Equity (ROE) | 12.4033% | 1,478 |
| Retained earnings to average equity (ytd only) | 6.7955% | 1,224 |
| Net charge-offs to loans | 1.2104% | 999 |
| Credit loss provision to net charge-offs | 107.1154% | 5,015 |
| Earnings coverage of net charge-offs (x) | 2.8788% | 4,639 |
| Efficiency ratio | 66.6815% | 4,979 |
| Assets per employee ($millions) | 2.3274% | 7,519 |
| Cash dividends to net income (ytd only)* | 45.2128% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 4,629 |
| Loan loss allowance to noncurrent loans | 43.8944% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7786% | 2,755 |
| Noncurrent loans to loans | 2.7093% | 2,001 |
| Net loans and leases to total assets | 57.5524% | 6,263 |
| Net loans and leases to deposits | 65.6147% | 6,668 |
| Net loans and leases to core deposits | 91.7549% | 5,662 |
| Total domestic deposits to total assets | 87.7127% | 1,603 |
| Equity capital to assets | 10.4371% | 3,572 |
| Core capital (leverage) ratio | 9.6516% | 3,829 |
| Tier 1 risk-based capital ratio | 14.5009% | 3,297 |
| Total risk-based capital ratio | 15.5378% | 3,321 |
| Memoranda: | ||
| Average total assets | $76,724,400 | 5,808 |
| Average earning assets | $68,582,000 | 5,867 |
| Average equity | $7,578,600 | 6,244 |
| Average total loans | $42,960,200 | 6,026 |