Home > Harmony Bank > Performance and Condition Ratios
Harmony Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1939% | 499 |
| Cost of funding earning assets | 1.6292% | 1,611 |
| Net interest margin | 4.5646% | 551 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 3.1172% | 935 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0621% | 2,034 |
| Return on assets (ROA) | 0.9661% | 2,305 |
| Pretax return on assets | 1.1850% | 2,180 |
| Return on Equity (ROE) | 6.6100% | 3,387 |
| Retained earnings to average equity (ytd only) | 5.8275% | 2,312 |
| Net charge-offs to loans | 0.0710% | 1,143 |
| Credit loss provision to net charge-offs | 51.0563% | 2,185 |
| Earnings coverage of net charge-offs (x) | 26.3556% | 1,710 |
| Efficiency ratio | 64.8362% | 2,501 |
| Assets per employee ($millions) | 6.5787% | 2,357 |
| Cash dividends to net income (ytd only)* | 11.8436% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,245 |
| Loan loss allowance to noncurrent loans | 7,171.9512% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,698 |
| Noncurrent loans to loans | 0.0169% | 3,626 |
| Net loans and leases to total assets | 67.0200% | 2,146 |
| Net loans and leases to deposits | 80.0879% | 2,100 |
| Net loans and leases to core deposits | 90.4925% | 2,016 |
| Total domestic deposits to total assets | 83.6800% | 2,712 |
| Equity capital to assets | 15.8337% | 481 |
| Core capital (leverage) ratio | 10.4732% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7207% | 1,622 |
| Memoranda: | ||
| Average total assets | $563,711,200 | 1,572 |
| Average earning assets | $506,437,600 | 1,612 |
| Average equity | $82,385,600 | 1,109 |
| Average total loans | $399,719,000 | 1,470 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9768% | 547 |
| Cost of funding earning assets | 1.4320% | 1,787 |
| Net interest margin | 4.5448% | 583 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 3.1190% | 905 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0897% | 2,088 |
| Return on assets (ROA) | 1.0897% | 2,073 |
| Pretax return on assets | 1.3349% | 1,941 |
| Return on Equity (ROE) | 7.6700% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.6748% | 2,084 |
| Net charge-offs to loans | 0.0504% | 1,172 |
| Credit loss provision to net charge-offs | 101.3986% | 1,605 |
| Earnings coverage of net charge-offs (x) | 37.7972% | 1,480 |
| Efficiency ratio | 64.1933% | 2,475 |
| Assets per employee ($millions) | 6.9891% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 2,001 |
| Loan loss allowance to noncurrent loans | 2,027.6094% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,403 |
| Noncurrent loans to loans | 0.0627% | 3,304 |
| Net loans and leases to total assets | 62.4900% | 2,601 |
| Net loans and leases to deposits | 73.6558% | 2,598 |
| Net loans and leases to core deposits | 81.9720% | 2,467 |
| Total domestic deposits to total assets | 84.8400% | 2,545 |
| Equity capital to assets | 14.7073% | 562 |
| Core capital (leverage) ratio | 10.2571% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7309% | 1,379 |
| Memoranda: | ||
| Average total assets | $525,370,000 | 1,674 |
| Average earning assets | $474,490,500 | 1,698 |
| Average equity | $74,597,000 | 1,182 |
| Average total loans | $378,039,250 | 1,528 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5855% | 743 |
| Cost of funding earning assets | 1.1436% | 2,153 |
| Net interest margin | 4.4420% | 664 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 3.1976% | 793 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0416% | 2,281 |
| Return on assets (ROA) | 1.0416% | 2,277 |
| Pretax return on assets | 1.2531% | 2,216 |
| Return on Equity (ROE) | 7.4800% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.4840% | 2,135 |
| Net charge-offs to loans | 0.0762% | 815 |
| Credit loss provision to net charge-offs | 109.8485% | 1,379 |
| Earnings coverage of net charge-offs (x) | 22.5152% | 1,697 |
| Efficiency ratio | 65.5606% | 2,307 |
| Assets per employee ($millions) | 7.0840% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 1,921 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.8900% | 2,396 |
| Net loans and leases to deposits | 75.8101% | 2,329 |
| Net loans and leases to core deposits | 84.3188% | 2,192 |
| Total domestic deposits to total assets | 84.2700% | 2,761 |
| Equity capital to assets | 15.3013% | 494 |
| Core capital (leverage) ratio | 10.1747% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2525% | 1,496 |
| Memoranda: | ||
| Average total assets | $451,215,333 | 1,850 |
| Average earning assets | $411,169,000 | 1,872 |
| Average equity | $62,800,667 | 1,341 |
| Average total loans | $346,272,000 | 1,613 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2290% | 239 |
| Cost of funding earning assets | 1.3939% | 1,036 |
| Net interest margin | 4.8352% | 351 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 3.0412% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3125% | 1,639 |
| Return on assets (ROA) | 1.3125% | 1,609 |
| Pretax return on assets | 1.6573% | 1,359 |
| Return on Equity (ROE) | 10.6100% | 2,602 |
| Retained earnings to average equity (ytd only) | 6.9130% | 2,515 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.7279% | 2,366 |
| Assets per employee ($millions) | 6.9875% | 1,991 |
| Cash dividends to net income (ytd only)* | 34.8615% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 1,945 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 89.1200% | 47 |
| Net loans and leases to deposits | 102.5030% | 345 |
| Net loans and leases to core deposits | 111.2140% | 661 |
| Total domestic deposits to total assets | 86.9400% | 2,292 |
| Equity capital to assets | 12.3833% | 900 |
| Core capital (leverage) ratio | 12.7728% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4974% | 1,797 |
| Memoranda: | ||
| Average total assets | $319,082,500 | 2,365 |
| Average earning assets | $303,610,000 | 2,325 |
| Average equity | $39,462,000 | 1,921 |
| Average total loans | $287,845,000 | 1,846 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3351% | 187 |
| Cost of funding earning assets | 0.5907% | 937 |
| Net interest margin | 4.7444% | 190 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 2.5106% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6565% | 600 |
| Return on assets (ROA) | 1.6227% | 618 |
| Pretax return on assets | 2.0499% | 422 |
| Return on Equity (ROE) | 14.5700% | 1,374 |
| Retained earnings to average equity (ytd only) | 10.1495% | 1,108 |
| Net charge-offs to loans | 0.0018% | 2,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,400.0000% | 128 |
| Efficiency ratio | 54.5396% | 3,743 |
| Assets per employee ($millions) | 7.0386% | 1,944 |
| Cash dividends to net income (ytd only)* | 30.3242% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,714 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 88.9000% | 53 |
| Net loans and leases to deposits | 102.0814% | 361 |
| Net loans and leases to core deposits | 110.1653% | 607 |
| Total domestic deposits to total assets | 87.0800% | 2,369 |
| Equity capital to assets | 12.3512% | 834 |
| Core capital (leverage) ratio | 11.6153% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2856% | 1,857 |
| Memoranda: | ||
| Average total assets | $334,498,000 | 2,281 |
| Average earning assets | $323,518,000 | 2,224 |
| Average equity | $37,263,000 | 2,027 |
| Average total loans | $284,960,800 | 1,790 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 187 |
| Cost of funding earning assets | 0.5066% | 734 |
| Net interest margin | 4.5927% | 200 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.3988% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7029% | 529 |
| Return on assets (ROA) | 1.6585% | 566 |
| Pretax return on assets | 2.0947% | 387 |
| Return on Equity (ROE) | 15.2800% | 1,117 |
| Retained earnings to average equity (ytd only) | 10.6813% | 1,138 |
| Net charge-offs to loans | 0.0023% | 2,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,093.6000% | 135 |
| Efficiency ratio | 52.7235% | 3,951 |
| Assets per employee ($millions) | 8.6393% | 1,011 |
| Cash dividends to net income (ytd only)* | 30.0759% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,156 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 86.0200% | 121 |
| Net loans and leases to deposits | 97.4744% | 477 |
| Net loans and leases to core deposits | 107.5006% | 547 |
| Total domestic deposits to total assets | 88.2500% | 2,341 |
| Equity capital to assets | 11.0794% | 1,147 |
| Core capital (leverage) ratio | 11.1394% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8695% | 2,102 |
| Memoranda: | ||
| Average total assets | $338,937,750 | 2,276 |
| Average earning assets | $327,959,750 | 2,214 |
| Average equity | $36,798,500 | 2,077 |
| Average total loans | $284,850,750 | 1,786 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 202 |
| Cost of funding earning assets | 0.4186% | 815 |
| Net interest margin | 4.4566% | 209 |
| Noninterest income to average assets | 0.1134% | 4,427 |
| Noninterest expense to average assets | 2.3164% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6737% | 456 |
| Return on assets (ROA) | 1.6066% | 523 |
| Pretax return on assets | 2.0248% | 361 |
| Return on Equity (ROE) | 14.9026% | 915 |
| Retained earnings to average equity (ytd only) | 10.5944% | 878 |
| Net charge-offs to loans | 0.0029% | 1,969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 888.0000% | 151 |
| Efficiency ratio | 52.3349% | 4,100 |
| Assets per employee ($millions) | 8.0479% | 1,273 |
| Cash dividends to net income (ytd only)* | 28.9094% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 90.1261% | 21 |
| Net loans and leases to deposits | 102.3898% | 198 |
| Net loans and leases to core deposits | 113.3683% | 289 |
| Total domestic deposits to total assets | 88.0226% | 2,563 |
| Equity capital to assets | 11.2925% | 1,105 |
| Core capital (leverage) ratio | 11.1138% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1201% | 2,443 |
| Memoranda: | ||
| Average total assets | $336,727,000 | 2,299 |
| Average earning assets | $325,856,333 | 2,247 |
| Average equity | $36,302,333 | 2,146 |
| Average total loans | $279,439,333 | 1,811 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 216 |
| Cost of funding earning assets | 0.3652% | 1,093 |
| Net interest margin | 4.3682% | 211 |
| Noninterest income to average assets | 0.1305% | 4,359 |
| Noninterest expense to average assets | 2.4110% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5501% | 573 |
| Return on assets (ROA) | 1.5501% | 566 |
| Pretax return on assets | 1.9535% | 400 |
| Return on Equity (ROE) | 14.7168% | 698 |
| Retained earnings to average equity (ytd only) | 10.3956% | 930 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2412% | 3,944 |
| Assets per employee ($millions) | 7.9788% | 1,389 |
| Cash dividends to net income (ytd only)* | 29.3627% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 79.8183% | 246 |
| Net loans and leases to deposits | 90.3032% | 495 |
| Net loans and leases to core deposits | 100.3436% | 501 |
| Total domestic deposits to total assets | 88.3892% | 2,338 |
| Equity capital to assets | 10.8251% | 1,423 |
| Core capital (leverage) ratio | 10.7564% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0296% | 2,191 |
| Memoranda: | ||
| Average total assets | $340,109,500 | 2,297 |
| Average earning assets | $329,651,500 | 2,239 |
| Average equity | $35,823,000 | 2,223 |
| Average total loans | $268,550,500 | 1,844 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 275 |
| Cost of funding earning assets | 0.4757% | 1,030 |
| Net interest margin | 4.4752% | 292 |
| Noninterest income to average assets | 0.0978% | 4,617 |
| Noninterest expense to average assets | 2.2067% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7570% | 562 |
| Return on assets (ROA) | 1.7570% | 586 |
| Pretax return on assets | 2.2193% | 397 |
| Return on Equity (ROE) | 17.5103% | 516 |
| Retained earnings to average equity (ytd only) | 14.6571% | 256 |
| Net charge-offs to loans | 0.0004% | 2,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 7,240.0000% | 11 |
| Efficiency ratio | 49.8580% | 4,293 |
| Assets per employee ($millions) | 9.0818% | 896 |
| Cash dividends to net income (ytd only)* | 16.2945% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 1,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 75.9018% | 527 |
| Net loans and leases to deposits | 85.3769% | 833 |
| Net loans and leases to core deposits | 93.6528% | 797 |
| Total domestic deposits to total assets | 88.9021% | 1,568 |
| Equity capital to assets | 10.2489% | 2,421 |
| Core capital (leverage) ratio | 10.4722% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0888% | 2,204 |
| Memoranda: | ||
| Average total assets | $326,231,400 | 2,312 |
| Average earning assets | $315,516,400 | 2,254 |
| Average equity | $32,735,000 | 2,394 |
| Average total loans | $262,018,200 | 1,871 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 406 |
| Cost of funding earning assets | 0.5021% | 1,034 |
| Net interest margin | 4.3037% | 446 |
| Noninterest income to average assets | 0.0995% | 4,668 |
| Noninterest expense to average assets | 2.2626% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5808% | 1,078 |
| Return on assets (ROA) | 1.5808% | 1,126 |
| Pretax return on assets | 1.9955% | 806 |
| Return on Equity (ROE) | 15.8452% | 981 |
| Retained earnings to average equity (ytd only) | 13.2140% | 607 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1360% | 3,909 |
| Assets per employee ($millions) | 9.0654% | 873 |
| Cash dividends to net income (ytd only)* | 16.6055% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 77.9112% | 410 |
| Net loans and leases to deposits | 87.6684% | 732 |
| Net loans and leases to core deposits | 97.9443% | 661 |
| Total domestic deposits to total assets | 88.8703% | 1,360 |
| Equity capital to assets | 10.0626% | 2,838 |
| Core capital (leverage) ratio | 10.0484% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2357% | 2,283 |
| Memoranda: | ||
| Average total assets | $321,512,000 | 2,361 |
| Average earning assets | $310,671,250 | 2,299 |
| Average equity | $32,076,250 | 2,454 |
| Average total loans | $261,077,000 | 1,907 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 574 |
| Cost of funding earning assets | 0.5205% | 1,088 |
| Net interest margin | 4.1336% | 653 |
| Noninterest income to average assets | 0.0985% | 4,694 |
| Noninterest expense to average assets | 2.2532% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4580% | 1,404 |
| Return on assets (ROA) | 1.4580% | 1,470 |
| Pretax return on assets | 1.8405% | 1,144 |
| Return on Equity (ROE) | 14.6584% | 1,243 |
| Retained earnings to average equity (ytd only) | 12.1773% | 877 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0416% | 3,670 |
| Assets per employee ($millions) | 9.3680% | 751 |
| Cash dividends to net income (ytd only)* | 16.9264% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 1,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 82.7970% | 183 |
| Net loans and leases to deposits | 93.1988% | 488 |
| Net loans and leases to core deposits | 104.6034% | 515 |
| Total domestic deposits to total assets | 88.8392% | 1,364 |
| Equity capital to assets | 9.9091% | 2,935 |
| Core capital (leverage) ratio | 9.8982% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5146% | 2,161 |
| Memoranda: | ||
| Average total assets | $316,876,333 | 2,378 |
| Average earning assets | $306,273,333 | 2,312 |
| Average equity | $31,517,667 | 2,474 |
| Average total loans | $259,713,333 | 1,913 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 589 |
| Cost of funding earning assets | 0.5457% | 1,127 |
| Net interest margin | 4.1311% | 691 |
| Noninterest income to average assets | 0.0951% | 4,706 |
| Noninterest expense to average assets | 2.3098% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4079% | 1,555 |
| Return on assets (ROA) | 1.4079% | 1,626 |
| Pretax return on assets | 1.7728% | 1,346 |
| Return on Equity (ROE) | 14.1276% | 1,408 |
| Retained earnings to average equity (ytd only) | 11.9234% | 1,168 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5765% | 3,483 |
| Assets per employee ($millions) | 8.7618% | 897 |
| Cash dividends to net income (ytd only)* | 15.6022% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 1,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 83.9165% | 150 |
| Net loans and leases to deposits | 94.4276% | 474 |
| Net loans and leases to core deposits | 103.9753% | 575 |
| Total domestic deposits to total assets | 88.8686% | 1,406 |
| Equity capital to assets | 9.9850% | 2,723 |
| Core capital (leverage) ratio | 10.1170% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4527% | 1,758 |
| Memoranda: | ||
| Average total assets | $311,375,000 | 2,388 |
| Average earning assets | $300,546,000 | 2,324 |
| Average equity | $31,031,500 | 2,485 |
| Average total loans | $251,913,500 | 1,954 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 294 |
| Cost of funding earning assets | 0.8413% | 1,050 |
| Net interest margin | 4.4152% | 390 |
| Noninterest income to average assets | 0.1028% | 4,735 |
| Noninterest expense to average assets | 2.5056% | 2,838 |
| Loan and lease loss provision to assets | 0.4922% | 512 |
| Net operating income to assets | 1.0269% | 2,187 |
| Return on assets (ROA) | 1.0337% | 2,310 |
| Pretax return on assets | 1.2984% | 1,980 |
| Return on Equity (ROE) | 9.6750% | 2,133 |
| Retained earnings to average equity (ytd only) | 7.9004% | 1,082 |
| Net charge-offs to loans | -0.0044% | 4,098 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4354% | 3,662 |
| Assets per employee ($millions) | 8.7808% | 804 |
| Cash dividends to net income (ytd only)* | 18.3422% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.3126% | 862 |
| Net loans and leases to deposits | 84.4086% | 1,415 |
| Net loans and leases to core deposits | 91.9783% | 1,386 |
| Total domestic deposits to total assets | 89.2239% | 886 |
| Equity capital to assets | 9.9464% | 3,179 |
| Core capital (leverage) ratio | 9.9690% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3176% | 1,738 |
| Memoranda: | ||
| Average total assets | $274,268,800 | 2,432 |
| Average earning assets | $259,963,600 | 2,402 |
| Average equity | $29,302,400 | 2,519 |
| Average total loans | $227,403,800 | 2,051 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4657% | 247 |
| Cost of funding earning assets | 0.9137% | 1,024 |
| Net interest margin | 4.5520% | 340 |
| Noninterest income to average assets | 0.0857% | 4,806 |
| Noninterest expense to average assets | 2.5798% | 2,600 |
| Loan and lease loss provision to assets | 0.5639% | 471 |
| Net operating income to assets | 0.9822% | 2,402 |
| Return on assets (ROA) | 0.9914% | 2,502 |
| Pretax return on assets | 1.2461% | 2,241 |
| Return on Equity (ROE) | 9.0984% | 2,358 |
| Retained earnings to average equity (ytd only) | 7.4241% | 1,520 |
| Net charge-offs to loans | -0.0106% | 4,235 |
| Credit loss provision to net charge-offs | -6,250.0000% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9239% | 3,529 |
| Assets per employee ($millions) | 8.8720% | 724 |
| Cash dividends to net income (ytd only)* | 18.4024% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 84.5668% | 235 |
| Net loans and leases to deposits | 98.4850% | 598 |
| Net loans and leases to core deposits | 110.8724% | 666 |
| Total domestic deposits to total assets | 85.8676% | 2,128 |
| Equity capital to assets | 9.9029% | 3,325 |
| Core capital (leverage) ratio | 10.0327% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0044% | 1,248 |
| Memoranda: | ||
| Average total assets | $266,004,250 | 2,464 |
| Average earning assets | $250,841,500 | 2,440 |
| Average equity | $28,986,000 | 2,534 |
| Average total loans | $225,430,750 | 2,060 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8858% | 165 |
| Cost of funding earning assets | 1.0144% | 947 |
| Net interest margin | 4.8714% | 252 |
| Noninterest income to average assets | 0.0826% | 4,833 |
| Noninterest expense to average assets | 2.7404% | 2,252 |
| Loan and lease loss provision to assets | 0.7083% | 387 |
| Net operating income to assets | 0.9251% | 2,610 |
| Return on assets (ROA) | 0.9389% | 2,672 |
| Pretax return on assets | 1.1790% | 2,433 |
| Return on Equity (ROE) | 8.3163% | 2,625 |
| Retained earnings to average equity (ytd only) | 6.6642% | 1,793 |
| Net charge-offs to loans | -0.0159% | 4,343 |
| Credit loss provision to net charge-offs | -5,294.1176% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4401% | 3,496 |
| Assets per employee ($millions) | 8.1548% | 919 |
| Cash dividends to net income (ytd only)* | 19.8659% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 1,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 89.3360% | 40 |
| Net loans and leases to deposits | 100.6263% | 515 |
| Net loans and leases to core deposits | 113.8822% | 602 |
| Total domestic deposits to total assets | 88.7800% | 830 |
| Equity capital to assets | 10.2310% | 2,979 |
| Core capital (leverage) ratio | 9.3268% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3105% | 1,695 |
| Memoranda: | ||
| Average total assets | $254,123,000 | 2,518 |
| Average earning assets | $236,195,333 | 2,516 |
| Average equity | $28,690,667 | 2,535 |
| Average total loans | $214,335,333 | 2,128 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 209 |
| Cost of funding earning assets | 1.1736% | 838 |
| Net interest margin | 4.6444% | 379 |
| Noninterest income to average assets | 0.0889% | 4,870 |
| Noninterest expense to average assets | 2.9840% | 1,920 |
| Loan and lease loss provision to assets | 0.1258% | 2,133 |
| Net operating income to assets | 0.9443% | 2,362 |
| Return on assets (ROA) | 0.9443% | 2,467 |
| Pretax return on assets | 1.1875% | 2,239 |
| Return on Equity (ROE) | 7.9197% | 2,550 |
| Retained earnings to average equity (ytd only) | 6.1613% | 1,815 |
| Net charge-offs to loans | -0.0146% | 4,206 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4379% | 2,444 |
| Assets per employee ($millions) | 6.8954% | 1,142 |
| Cash dividends to net income (ytd only)* | 22.2025% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 77.1591% | 1,104 |
| Net loans and leases to deposits | 91.9661% | 1,286 |
| Net loans and leases to core deposits | 108.0196% | 945 |
| Total domestic deposits to total assets | 83.8995% | 2,819 |
| Equity capital to assets | 11.5383% | 2,404 |
| Core capital (leverage) ratio | 12.2212% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9041% | 1,940 |
| Memoranda: | ||
| Average total assets | $238,475,500 | 2,566 |
| Average earning assets | $216,086,000 | 2,604 |
| Average equity | $28,435,500 | 2,541 |
| Average total loans | $192,314,000 | 2,238 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7150% | 386 |
| Cost of funding earning assets | 1.2994% | 769 |
| Net interest margin | 4.4156% | 866 |
| Noninterest income to average assets | 0.0960% | 4,938 |
| Noninterest expense to average assets | 3.0710% | 1,827 |
| Loan and lease loss provision to assets | 0.1425% | 1,498 |
| Net operating income to assets | 0.9525% | 3,008 |
| Return on assets (ROA) | 0.9525% | 3,089 |
| Pretax return on assets | 1.1896% | 2,875 |
| Return on Equity (ROE) | 7.3514% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.0571% | 1,837 |
| Net charge-offs to loans | -0.0278% | 4,698 |
| Credit loss provision to net charge-offs | -638.2979% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7454% | 2,206 |
| Assets per employee ($millions) | 5.8645% | 1,743 |
| Cash dividends to net income (ytd only)* | 17.6060% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.2199% | 533 |
| Net loans and leases to deposits | 94.4994% | 1,108 |
| Net loans and leases to core deposits | 107.0583% | 1,040 |
| Total domestic deposits to total assets | 87.0057% | 1,608 |
| Equity capital to assets | 12.3424% | 1,925 |
| Core capital (leverage) ratio | 12.8713% | 1,295 |
| Tier 1 risk-based capital ratio | 13.6000% | 3,459 |
| Total risk-based capital ratio | 14.7967% | 3,396 |
| Memoranda: | ||
| Average total assets | $210,488,400 | 2,748 |
| Average earning assets | $205,319,600 | 2,656 |
| Average equity | $27,273,800 | 2,542 |
| Average total loans | $169,212,400 | 2,418 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 396 |
| Cost of funding earning assets | 1.3424% | 688 |
| Net interest margin | 4.3859% | 979 |
| Noninterest income to average assets | 0.0978% | 4,998 |
| Noninterest expense to average assets | 3.1194% | 1,670 |
| Loan and lease loss provision to assets | 0.1457% | 1,312 |
| Net operating income to assets | 0.8941% | 3,367 |
| Return on assets (ROA) | 0.8941% | 3,441 |
| Pretax return on assets | 1.1162% | 3,255 |
| Return on Equity (ROE) | 6.8108% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.6370% | 2,548 |
| Net charge-offs to loans | -0.0334% | 4,724 |
| Credit loss provision to net charge-offs | -548.7805% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1985% | 1,941 |
| Assets per employee ($millions) | 5.8479% | 1,720 |
| Cash dividends to net income (ytd only)* | 17.2341% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 1,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 83.0923% | 440 |
| Net loans and leases to deposits | 96.3882% | 974 |
| Net loans and leases to core deposits | 108.7528% | 1,005 |
| Total domestic deposits to total assets | 86.2060% | 1,903 |
| Equity capital to assets | 13.1528% | 1,540 |
| Core capital (leverage) ratio | 13.1311% | 1,287 |
| Tier 1 risk-based capital ratio | 16.2083% | 2,364 |
| Total risk-based capital ratio | 17.4605% | 2,290 |
| Memoranda: | ||
| Average total assets | $205,931,500 | 2,811 |
| Average earning assets | $201,124,000 | 2,723 |
| Average equity | $27,035,000 | 2,569 |
| Average total loans | $163,883,000 | 2,491 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5932% | 474 |
| Cost of funding earning assets | 1.3598% | 614 |
| Net interest margin | 4.2334% | 1,280 |
| Noninterest income to average assets | 0.0930% | 5,066 |
| Noninterest expense to average assets | 3.1096% | 1,706 |
| Loan and lease loss provision to assets | 0.1468% | 1,256 |
| Net operating income to assets | 0.7857% | 3,707 |
| Return on assets (ROA) | 0.7857% | 3,763 |
| Pretax return on assets | 0.9795% | 3,617 |
| Return on Equity (ROE) | 5.9888% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.8552% | 2,837 |
| Net charge-offs to loans | -0.0389% | 4,759 |
| Credit loss provision to net charge-offs | -483.8710% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4119% | 1,714 |
| Assets per employee ($millions) | 5.2212% | 2,232 |
| Cash dividends to net income (ytd only)* | 18.9290% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.5464% | 955 |
| Net loans and leases to deposits | 92.4743% | 1,437 |
| Net loans and leases to core deposits | 104.7689% | 1,317 |
| Total domestic deposits to total assets | 86.0200% | 2,026 |
| Equity capital to assets | 13.3504% | 1,404 |
| Core capital (leverage) ratio | 13.0105% | 1,293 |
| Tier 1 risk-based capital ratio | 15.8845% | 2,465 |
| Total risk-based capital ratio | 17.1355% | 2,405 |
| Memoranda: | ||
| Average total assets | $204,400,000 | 2,835 |
| Average earning assets | $200,028,670 | 2,741 |
| Average equity | $26,816,670 | 2,581 |
| Average total loans | $159,401,000 | 2,541 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4824% | 539 |
| Cost of funding earning assets | 1.3337% | 588 |
| Net interest margin | 4.1487% | 1,429 |
| Noninterest income to average assets | 0.0879% | 5,123 |
| Noninterest expense to average assets | 3.0959% | 1,744 |
| Loan and lease loss provision to assets | 0.1465% | 1,155 |
| Net operating income to assets | 0.7305% | 3,847 |
| Return on assets (ROA) | 0.7305% | 3,893 |
| Pretax return on assets | 0.9102% | 3,729 |
| Return on Equity (ROE) | 5.6172% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.4607% | 3,141 |
| Net charge-offs to loans | -0.0331% | 4,684 |
| Credit loss provision to net charge-offs | -576.9231% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5532% | 1,671 |
| Assets per employee ($millions) | 5.7228% | 1,776 |
| Cash dividends to net income (ytd only)* | 20.5882% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 76.8381% | 1,341 |
| Net loans and leases to deposits | 88.9232% | 1,755 |
| Net loans and leases to core deposits | 104.1968% | 1,306 |
| Total domestic deposits to total assets | 86.4095% | 2,107 |
| Equity capital to assets | 13.0095% | 1,449 |
| Core capital (leverage) ratio | 13.1700% | 1,196 |
| Tier 1 risk-based capital ratio | 15.8728% | 2,499 |
| Total risk-based capital ratio | 17.1237% | 2,431 |
| Memoranda: | ||
| Average total assets | $204,786,500 | 2,855 |
| Average earning assets | $200,642,500 | 2,755 |
| Average equity | $26,632,500 | 2,599 |
| Average total loans | $156,956,000 | 2,610 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 405 |
| Cost of funding earning assets | 1.0694% | 551 |
| Net interest margin | 4.4256% | 885 |
| Noninterest income to average assets | 0.0906% | 5,180 |
| Noninterest expense to average assets | 2.8268% | 2,593 |
| Loan and lease loss provision to assets | 0.1527% | 1,388 |
| Net operating income to assets | 1.1460% | 2,407 |
| Return on assets (ROA) | 1.1460% | 2,404 |
| Pretax return on assets | 1.4284% | 2,042 |
| Return on Equity (ROE) | 8.8283% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.5228% | 1,449 |
| Net charge-offs to loans | 0.0415% | 2,583 |
| Credit loss provision to net charge-offs | 454.5455% | 752 |
| Earnings coverage of net charge-offs (x) | 47.0758% | 1,178 |
| Efficiency ratio | 64.1307% | 3,171 |
| Assets per employee ($millions) | 6.1683% | 1,405 |
| Cash dividends to net income (ytd only)* | 14.7869% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.3090% | 1,888 |
| Net loans and leases to deposits | 86.1031% | 2,258 |
| Net loans and leases to core deposits | 103.7157% | 1,437 |
| Total domestic deposits to total assets | 86.3024% | 2,086 |
| Equity capital to assets | 13.0005% | 1,346 |
| Core capital (leverage) ratio | 12.9001% | 1,285 |
| Tier 1 risk-based capital ratio | 16.5724% | 2,215 |
| Total risk-based capital ratio | 17.8237% | 2,163 |
| Memoranda: | ||
| Average total assets | $196,515,000 | 2,904 |
| Average earning assets | $191,702,600 | 2,810 |
| Average equity | $25,509,000 | 2,606 |
| Average total loans | $159,107,800 | 2,538 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4723% | 388 |
| Cost of funding earning assets | 0.9762% | 655 |
| Net interest margin | 4.4961% | 749 |
| Noninterest income to average assets | 0.0911% | 5,240 |
| Noninterest expense to average assets | 2.8301% | 2,530 |
| Loan and lease loss provision to assets | 0.1540% | 1,273 |
| Net operating income to assets | 1.1885% | 2,281 |
| Return on assets (ROA) | 1.1885% | 2,284 |
| Pretax return on assets | 1.4835% | 1,954 |
| Return on Equity (ROE) | 9.1593% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.8878% | 1,706 |
| Net charge-offs to loans | -0.0008% | 4,010 |
| Credit loss provision to net charge-offs | -22,500.0000% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3466% | 3,284 |
| Assets per employee ($millions) | 6.5065% | 1,183 |
| Cash dividends to net income (ytd only)* | 13.8827% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.8984% | 1,357 |
| Net loans and leases to deposits | 89.7173% | 1,936 |
| Net loans and leases to core deposits | 108.2551% | 1,151 |
| Total domestic deposits to total assets | 86.8266% | 1,810 |
| Equity capital to assets | 12.4996% | 1,584 |
| Core capital (leverage) ratio | 12.7378% | 1,401 |
| Tier 1 risk-based capital ratio | 15.8235% | 2,515 |
| Total risk-based capital ratio | 17.0741% | 2,453 |
| Memoranda: | ||
| Average total assets | $194,755,250 | 2,940 |
| Average earning assets | $189,581,750 | 2,849 |
| Average equity | $25,270,500 | 2,635 |
| Average total loans | $160,537,000 | 2,530 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4058% | 380 |
| Cost of funding earning assets | 0.8569% | 890 |
| Net interest margin | 4.5490% | 625 |
| Noninterest income to average assets | 0.0925% | 5,289 |
| Noninterest expense to average assets | 2.8833% | 2,398 |
| Loan and lease loss provision to assets | 0.1577% | 1,191 |
| Net operating income to assets | 1.1815% | 2,273 |
| Return on assets (ROA) | 1.1815% | 2,271 |
| Pretax return on assets | 1.4768% | 1,905 |
| Return on Equity (ROE) | 8.9852% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.7621% | 1,724 |
| Net charge-offs to loans | -0.0013% | 3,907 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8204% | 3,334 |
| Assets per employee ($millions) | 6.1858% | 1,338 |
| Cash dividends to net income (ytd only)* | 13.6121% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.8200% | 725 |
| Net loans and leases to deposits | 94.0703% | 1,351 |
| Net loans and leases to core deposits | 110.5734% | 964 |
| Total domestic deposits to total assets | 86.9775% | 1,851 |
| Equity capital to assets | 12.4925% | 1,537 |
| Core capital (leverage) ratio | 13.8106% | 960 |
| Tier 1 risk-based capital ratio | 15.3460% | 2,709 |
| Total risk-based capital ratio | 16.5759% | 2,650 |
| Memoranda: | ||
| Average total assets | $190,271,330 | 3,002 |
| Average earning assets | $185,096,330 | 2,916 |
| Average equity | $25,019,000 | 2,662 |
| Average total loans | $159,278,000 | 2,551 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3361% | 379 |
| Cost of funding earning assets | 0.7469% | 1,205 |
| Net interest margin | 4.5892% | 514 |
| Noninterest income to average assets | 0.0916% | 5,360 |
| Noninterest expense to average assets | 2.9410% | 2,223 |
| Loan and lease loss provision to assets | 0.1636% | 1,097 |
| Net operating income to assets | 1.1629% | 2,166 |
| Return on assets (ROA) | 1.1629% | 2,180 |
| Pretax return on assets | 1.4508% | 1,831 |
| Return on Equity (ROE) | 8.6044% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.4259% | 2,089 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5594% | 3,395 |
| Assets per employee ($millions) | 6.0835% | 1,442 |
| Cash dividends to net income (ytd only)* | 13.6961% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 2,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 85.4857% | 299 |
| Net loans and leases to deposits | 99.1751% | 771 |
| Net loans and leases to core deposits | 120.3375% | 577 |
| Total domestic deposits to total assets | 86.1968% | 2,452 |
| Equity capital to assets | 13.2586% | 1,132 |
| Core capital (leverage) ratio | 13.9148% | 894 |
| Tier 1 risk-based capital ratio | 15.2024% | 2,787 |
| Total risk-based capital ratio | 16.3995% | 2,744 |
| Memoranda: | ||
| Average total assets | $183,341,500 | 3,096 |
| Average earning assets | $178,331,000 | 3,011 |
| Average equity | $24,778,000 | 2,703 |
| Average total loans | $154,382,500 | 2,640 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0268% | 613 |
| Cost of funding earning assets | 0.6688% | 1,189 |
| Net interest margin | 4.3580% | 846 |
| Noninterest income to average assets | 0.1134% | 5,358 |
| Noninterest expense to average assets | 2.7139% | 3,083 |
| Loan and lease loss provision to assets | 0.1745% | 1,249 |
| Net operating income to assets | 0.9196% | 2,600 |
| Return on assets (ROA) | 0.9196% | 2,632 |
| Pretax return on assets | 1.4622% | 1,769 |
| Return on Equity (ROE) | 7.7795% | 2,900 |
| Retained earnings to average equity (ytd only) | 6.9332% | 1,107 |
| Net charge-offs to loans | 0.0129% | 3,629 |
| Credit loss provision to net charge-offs | 1,666.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 156.3333% | 466 |
| Efficiency ratio | 62.3797% | 3,882 |
| Assets per employee ($millions) | 6.5961% | 1,152 |
| Cash dividends to net income (ytd only)* | 10.8792% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 80.6750% | 877 |
| Net loans and leases to deposits | 94.2769% | 1,242 |
| Net loans and leases to core deposits | 117.5106% | 668 |
| Total domestic deposits to total assets | 85.5724% | 2,624 |
| Equity capital to assets | 13.7858% | 965 |
| Core capital (leverage) ratio | 13.6113% | 936 |
| Tier 1 risk-based capital ratio | 17.4050% | 1,965 |
| Total risk-based capital ratio | 18.6561% | 1,924 |
| Memoranda: | ||
| Average total assets | $171,931,800 | 3,224 |
| Average earning assets | $167,163,000 | 3,114 |
| Average equity | $20,322,600 | 3,107 |
| Average total loans | $139,165,400 | 2,796 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9718% | 649 |
| Cost of funding earning assets | 0.6517% | 1,226 |
| Net interest margin | 4.3201% | 878 |
| Noninterest income to average assets | 0.1205% | 5,395 |
| Noninterest expense to average assets | 2.6980% | 3,071 |
| Loan and lease loss provision to assets | 0.1761% | 1,143 |
| Net operating income to assets | 1.0282% | 2,423 |
| Return on assets (ROA) | 1.0282% | 2,466 |
| Pretax return on assets | 1.4429% | 1,965 |
| Return on Equity (ROE) | 9.0939% | 2,557 |
| Retained earnings to average equity (ytd only) | 8.2219% | 1,125 |
| Net charge-offs to loans | 0.0184% | 3,124 |
| Credit loss provision to net charge-offs | 1,184.2105% | 309 |
| Earnings coverage of net charge-offs (x) | 108.9064% | 656 |
| Efficiency ratio | 62.4977% | 3,812 |
| Assets per employee ($millions) | 6.4840% | 1,193 |
| Cash dividends to net income (ytd only)* | 9.5893% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.2782% | 793 |
| Net loans and leases to deposits | 95.1303% | 1,189 |
| Net loans and leases to core deposits | 115.2749% | 776 |
| Total domestic deposits to total assets | 85.4389% | 2,541 |
| Equity capital to assets | 13.9396% | 1,013 |
| Core capital (leverage) ratio | 14.2266% | 831 |
| Tier 1 risk-based capital ratio | 17.5803% | 1,985 |
| Total risk-based capital ratio | 18.8314% | 1,924 |
| Memoranda: | ||
| Average total assets | $170,390,750 | 3,265 |
| Average earning assets | $165,517,750 | 3,160 |
| Average equity | $19,265,250 | 3,247 |
| Average total loans | $137,562,500 | 2,834 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 673 |
| Cost of funding earning assets | 0.6455% | 1,169 |
| Net interest margin | 4.2670% | 945 |
| Noninterest income to average assets | 0.1291% | 5,405 |
| Noninterest expense to average assets | 2.6891% | 3,123 |
| Loan and lease loss provision to assets | 0.1777% | 1,080 |
| Net operating income to assets | 1.0105% | 2,377 |
| Return on assets (ROA) | 1.0105% | 2,416 |
| Pretax return on assets | 1.4204% | 1,940 |
| Return on Equity (ROE) | 9.7195% | 2,161 |
| Retained earnings to average equity (ytd only) | 8.7738% | 908 |
| Net charge-offs to loans | 0.0015% | 3,468 |
| Credit loss provision to net charge-offs | 15,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 1,349.0000% | 47 |
| Efficiency ratio | 62.7245% | 3,858 |
| Assets per employee ($millions) | 6.3752% | 1,216 |
| Cash dividends to net income (ytd only)* | 9.7304% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.1859% | 923 |
| Net loans and leases to deposits | 90.4435% | 1,672 |
| Net loans and leases to core deposits | 109.0184% | 1,049 |
| Total domestic deposits to total assets | 88.6586% | 1,126 |
| Equity capital to assets | 10.8388% | 2,986 |
| Core capital (leverage) ratio | 10.8045% | 2,594 |
| Tier 1 risk-based capital ratio | 13.8102% | 3,527 |
| Total risk-based capital ratio | 15.0616% | 3,449 |
| Memoranda: | ||
| Average total assets | $168,831,330 | 3,299 |
| Average earning assets | $164,519,000 | 3,182 |
| Average equity | $17,552,330 | 3,462 |
| Average total loans | $135,378,330 | 2,865 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 644 |
| Cost of funding earning assets | 0.6308% | 1,184 |
| Net interest margin | 4.2614% | 867 |
| Noninterest income to average assets | 0.1244% | 5,496 |
| Noninterest expense to average assets | 2.6977% | 3,148 |
| Loan and lease loss provision to assets | 0.1761% | 999 |
| Net operating income to assets | 1.0002% | 2,300 |
| Return on assets (ROA) | 1.0002% | 2,350 |
| Pretax return on assets | 1.4064% | 1,869 |
| Return on Equity (ROE) | 9.8239% | 2,040 |
| Retained earnings to average equity (ytd only) | 8.9014% | 1,116 |
| Net charge-offs to loans | 0.0059% | 2,768 |
| Credit loss provision to net charge-offs | 3,750.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 177 |
| Efficiency ratio | 63.0280% | 3,986 |
| Assets per employee ($millions) | 6.7119% | 1,076 |
| Cash dividends to net income (ytd only)* | 9.3897% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 75.6156% | 1,474 |
| Net loans and leases to deposits | 84.5027% | 2,219 |
| Net loans and leases to core deposits | 101.1723% | 1,429 |
| Total domestic deposits to total assets | 89.4831% | 903 |
| Equity capital to assets | 10.0511% | 3,695 |
| Core capital (leverage) ratio | 10.4364% | 2,975 |
| Tier 1 risk-based capital ratio | 13.4605% | 3,797 |
| Total risk-based capital ratio | 14.7114% | 3,715 |
| Memoranda: | ||
| Average total assets | $170,369,000 | 3,310 |
| Average earning assets | $166,144,000 | 3,190 |
| Average equity | $17,345,500 | 3,502 |
| Average total loans | $135,728,500 | 2,875 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 565 |
| Cost of funding earning assets | 0.6744% | 934 |
| Net interest margin | 4.3506% | 852 |
| Noninterest income to average assets | 0.4982% | 3,248 |
| Noninterest expense to average assets | 2.9070% | 2,651 |
| Loan and lease loss provision to assets | 0.1484% | 1,678 |
| Net operating income to assets | 1.3151% | 1,179 |
| Return on assets (ROA) | 1.3151% | 1,238 |
| Pretax return on assets | 1.6803% | 1,051 |
| Return on Equity (ROE) | 12.5197% | 1,109 |
| Retained earnings to average equity (ytd only) | 11.6965% | 242 |
| Net charge-offs to loans | -0.0408% | 5,341 |
| Credit loss provision to net charge-offs | -450.9804% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3844% | 4,358 |
| Assets per employee ($millions) | 6.6492% | 1,079 |
| Cash dividends to net income (ytd only)* | 6.5751% | 4,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 3,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.9328% | 616 |
| Net loans and leases to deposits | 91.9808% | 1,457 |
| Net loans and leases to core deposits | 110.3695% | 875 |
| Total domestic deposits to total assets | 89.0759% | 1,079 |
| Equity capital to assets | 10.3177% | 3,368 |
| Core capital (leverage) ratio | 10.1369% | 3,322 |
| Tier 1 risk-based capital ratio | 12.8326% | 4,180 |
| Total risk-based capital ratio | 14.0402% | 4,098 |
| Memoranda: | ||
| Average total assets | $154,970,000 | 3,445 |
| Average earning assets | $150,946,200 | 3,357 |
| Average equity | $16,278,400 | 3,656 |
| Average total loans | $124,972,600 | 2,995 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 577 |
| Cost of funding earning assets | 0.6789% | 912 |
| Net interest margin | 4.3418% | 859 |
| Noninterest income to average assets | 0.6327% | 2,507 |
| Noninterest expense to average assets | 2.9259% | 2,558 |
| Loan and lease loss provision to assets | 0.1490% | 1,575 |
| Net operating income to assets | 1.4292% | 1,005 |
| Return on assets (ROA) | 1.4292% | 1,055 |
| Pretax return on assets | 1.7832% | 924 |
| Return on Equity (ROE) | 13.5403% | 912 |
| Retained earnings to average equity (ytd only) | 12.7517% | 235 |
| Net charge-offs to loans | -0.0745% | 5,489 |
| Credit loss provision to net charge-offs | -250.0000% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2273% | 4,508 |
| Assets per employee ($millions) | 6.0867% | 1,366 |
| Cash dividends to net income (ytd only)* | 5.8245% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.9412% | 1,210 |
| Net loans and leases to deposits | 87.9572% | 2,023 |
| Net loans and leases to core deposits | 105.8210% | 1,200 |
| Total domestic deposits to total assets | 88.6126% | 1,101 |
| Equity capital to assets | 10.6563% | 3,401 |
| Core capital (leverage) ratio | 10.7909% | 2,694 |
| Tier 1 risk-based capital ratio | 14.0538% | 3,534 |
| Total risk-based capital ratio | 15.3042% | 3,451 |
| Memoranda: | ||
| Average total assets | $152,155,250 | 3,498 |
| Average earning assets | $148,075,250 | 3,411 |
| Average equity | $16,060,250 | 3,717 |
| Average total loans | $121,762,750 | 3,042 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 602 |
| Cost of funding earning assets | 0.6801% | 891 |
| Net interest margin | 4.3117% | 900 |
| Noninterest income to average assets | 0.8926% | 1,394 |
| Noninterest expense to average assets | 2.9509% | 2,516 |
| Loan and lease loss provision to assets | 0.1465% | 1,561 |
| Net operating income to assets | 1.6586% | 631 |
| Return on assets (ROA) | 1.6586% | 672 |
| Pretax return on assets | 1.9930% | 577 |
| Return on Equity (ROE) | 15.7671% | 564 |
| Retained earnings to average equity (ytd only) | 15.0326% | 146 |
| Net charge-offs to loans | -0.1226% | 5,682 |
| Credit loss provision to net charge-offs | -148.6486% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9691% | 4,907 |
| Assets per employee ($millions) | 6.1333% | 1,313 |
| Cash dividends to net income (ytd only)* | 4.6586% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 3,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.4790% | 833 |
| Net loans and leases to deposits | 90.8495% | 1,648 |
| Net loans and leases to core deposits | 109.4030% | 962 |
| Total domestic deposits to total assets | 88.5849% | 1,123 |
| Equity capital to assets | 10.7655% | 3,324 |
| Core capital (leverage) ratio | 10.8263% | 2,619 |
| Tier 1 risk-based capital ratio | 13.8608% | 3,692 |
| Total risk-based capital ratio | 15.1110% | 3,604 |
| Memoranda: | ||
| Average total assets | $150,122,330 | 3,559 |
| Average earning assets | $146,159,000 | 3,454 |
| Average equity | $15,792,330 | 3,762 |
| Average total loans | $120,711,000 | 3,067 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 706 |
| Cost of funding earning assets | 0.6745% | 919 |
| Net interest margin | 4.2156% | 1,065 |
| Noninterest income to average assets | 0.1158% | 5,766 |
| Noninterest expense to average assets | 2.9922% | 2,416 |
| Loan and lease loss provision to assets | 0.1347% | 1,567 |
| Net operating income to assets | 0.8080% | 3,199 |
| Return on assets (ROA) | 0.8080% | 3,322 |
| Pretax return on assets | 1.0962% | 3,107 |
| Return on Equity (ROE) | 7.7745% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.0489% | 1,860 |
| Net charge-offs to loans | -0.1754% | 5,814 |
| Credit loss provision to net charge-offs | -96.1538% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8546% | 2,976 |
| Assets per employee ($millions) | 6.2371% | 1,250 |
| Cash dividends to net income (ytd only)* | 9.3333% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 3,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 79.5753% | 875 |
| Net loans and leases to deposits | 92.7334% | 1,262 |
| Net loans and leases to core deposits | 109.8561% | 862 |
| Total domestic deposits to total assets | 85.8108% | 2,762 |
| Equity capital to assets | 10.4101% | 3,600 |
| Core capital (leverage) ratio | 10.5047% | 2,955 |
| Tier 1 risk-based capital ratio | 13.4769% | 3,991 |
| Total risk-based capital ratio | 14.7234% | 3,920 |
| Memoranda: | ||
| Average total assets | $148,517,500 | 3,605 |
| Average earning assets | $144,700,500 | 3,490 |
| Average equity | $15,435,000 | 3,824 |
| Average total loans | $118,607,000 | 3,105 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 757 |
| Cost of funding earning assets | 0.6438% | 1,108 |
| Net interest margin | 4.2615% | 1,039 |
| Noninterest income to average assets | 0.1368% | 5,727 |
| Noninterest expense to average assets | 3.0534% | 2,371 |
| Loan and lease loss provision to assets | 0.1289% | 1,868 |
| Net operating income to assets | 0.8036% | 3,316 |
| Return on assets (ROA) | 0.8036% | 3,401 |
| Pretax return on assets | 1.0887% | 3,115 |
| Return on Equity (ROE) | 7.6053% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.2257% | 1,190 |
| Net charge-offs to loans | 0.1623% | 1,746 |
| Credit loss provision to net charge-offs | 101.1236% | 2,476 |
| Earnings coverage of net charge-offs (x) | 9.5506% | 2,809 |
| Efficiency ratio | 71.4909% | 2,984 |
| Assets per employee ($millions) | 5.8938% | 1,471 |
| Cash dividends to net income (ytd only)* | 4.9911% | 4,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 3,784 |
| Loan loss allowance to noncurrent loans | 1,648.1481% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 5,446 |
| Noncurrent loans to loans | 0.0694% | 5,239 |
| Net loans and leases to total assets | 78.2692% | 1,082 |
| Net loans and leases to deposits | 91.1667% | 1,493 |
| Net loans and leases to core deposits | 103.7786% | 1,236 |
| Total domestic deposits to total assets | 85.8528% | 2,712 |
| Equity capital to assets | 10.3750% | 3,528 |
| Core capital (leverage) ratio | 10.6861% | 2,724 |
| Tier 1 risk-based capital ratio | 13.4275% | 4,039 |
| Total risk-based capital ratio | 14.6019% | 4,026 |
| Memoranda: | ||
| Average total assets | $139,615,400 | 3,724 |
| Average earning assets | $135,445,600 | 3,605 |
| Average equity | $14,752,800 | 3,874 |
| Average total loans | $109,663,600 | 3,205 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 714 |
| Cost of funding earning assets | 0.6360% | 1,175 |
| Net interest margin | 4.2963% | 964 |
| Noninterest income to average assets | 0.1443% | 5,759 |
| Noninterest expense to average assets | 3.0756% | 2,280 |
| Loan and lease loss provision to assets | 0.1307% | 1,719 |
| Net operating income to assets | 0.8144% | 3,364 |
| Return on assets (ROA) | 0.8144% | 3,454 |
| Pretax return on assets | 1.1049% | 3,206 |
| Return on Equity (ROE) | 7.6701% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.4056% | 1,498 |
| Net charge-offs to loans | 0.0680% | 2,593 |
| Credit loss provision to net charge-offs | 245.4545% | 1,151 |
| Earnings coverage of net charge-offs (x) | 23.2005% | 1,747 |
| Efficiency ratio | 71.3387% | 2,989 |
| Assets per employee ($millions) | 6.1720% | 1,260 |
| Cash dividends to net income (ytd only)* | 3.4486% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 3,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 77.8870% | 1,118 |
| Net loans and leases to deposits | 91.1343% | 1,510 |
| Net loans and leases to core deposits | 101.1277% | 1,435 |
| Total domestic deposits to total assets | 85.4639% | 2,799 |
| Equity capital to assets | 10.5997% | 3,478 |
| Core capital (leverage) ratio | 10.6916% | 2,835 |
| Tier 1 risk-based capital ratio | 13.5576% | 4,107 |
| Total risk-based capital ratio | 14.8081% | 4,035 |
| Memoranda: | ||
| Average total assets | $137,683,250 | 3,791 |
| Average earning assets | $133,537,000 | 3,670 |
| Average equity | $14,619,250 | 3,931 |
| Average total loans | $107,914,500 | 3,264 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 670 |
| Cost of funding earning assets | 0.6186% | 1,293 |
| Net interest margin | 4.3212% | 881 |
| Noninterest income to average assets | 0.1527% | 5,798 |
| Noninterest expense to average assets | 3.0633% | 2,356 |
| Loan and lease loss provision to assets | 0.1321% | 1,659 |
| Net operating income to assets | 0.8366% | 3,186 |
| Return on assets (ROA) | 0.8366% | 3,304 |
| Pretax return on assets | 1.1405% | 3,006 |
| Return on Equity (ROE) | 7.8747% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.8747% | 1,316 |
| Net charge-offs to loans | 0.3285% | 804 |
| Credit loss provision to net charge-offs | 51.4286% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.9543% | 2,974 |
| Efficiency ratio | 70.6500% | 3,230 |
| Assets per employee ($millions) | 5.2077% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 4,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 79.7775% | 832 |
| Net loans and leases to deposits | 93.8903% | 1,161 |
| Net loans and leases to core deposits | 105.7631% | 1,080 |
| Total domestic deposits to total assets | 84.9689% | 3,138 |
| Equity capital to assets | 10.9026% | 2,991 |
| Core capital (leverage) ratio | 11.0788% | 2,345 |
| Tier 1 risk-based capital ratio | 13.2496% | 4,374 |
| Total risk-based capital ratio | 14.3706% | 4,360 |
| Memoranda: | ||
| Average total assets | $136,258,670 | 3,848 |
| Average earning assets | $131,907,000 | 3,724 |
| Average equity | $14,476,670 | 3,968 |
| Average total loans | $106,559,330 | 3,311 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 765 |
| Cost of funding earning assets | 0.6228% | 1,285 |
| Net interest margin | 4.2388% | 996 |
| Noninterest income to average assets | 0.1463% | 5,861 |
| Noninterest expense to average assets | 3.0171% | 2,528 |
| Loan and lease loss provision to assets | 0.1317% | 1,573 |
| Net operating income to assets | 0.8106% | 3,206 |
| Return on assets (ROA) | 0.8106% | 3,331 |
| Pretax return on assets | 1.1003% | 3,077 |
| Return on Equity (ROE) | 7.7299% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.7299% | 1,671 |
| Net charge-offs to loans | 0.6806% | 357 |
| Credit loss provision to net charge-offs | 25.1397% | 2,315 |
| Earnings coverage of net charge-offs (x) | 2.3520% | 2,773 |
| Efficiency ratio | 71.0055% | 3,320 |
| Assets per employee ($millions) | 5.8263% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 4,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 78.1007% | 910 |
| Net loans and leases to deposits | 91.7698% | 1,212 |
| Net loans and leases to core deposits | 101.7431% | 1,197 |
| Total domestic deposits to total assets | 85.1049% | 3,354 |
| Equity capital to assets | 10.8019% | 3,191 |
| Core capital (leverage) ratio | 10.8306% | 2,593 |
| Tier 1 risk-based capital ratio | 13.7101% | 4,214 |
| Total risk-based capital ratio | 14.8475% | 4,188 |
| Memoranda: | ||
| Average total assets | $136,688,500 | 3,868 |
| Average earning assets | $132,302,500 | 3,742 |
| Average equity | $14,334,000 | 4,022 |
| Average total loans | $105,205,500 | 3,350 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 1,189 |
| Cost of funding earning assets | 0.6838% | 1,189 |
| Net interest margin | 4.0775% | 1,656 |
| Noninterest income to average assets | 0.1495% | 5,948 |
| Noninterest expense to average assets | 3.1774% | 2,270 |
| Loan and lease loss provision to assets | 0.0939% | 2,584 |
| Net operating income to assets | 0.6300% | 4,237 |
| Return on assets (ROA) | 0.6300% | 4,343 |
| Pretax return on assets | 0.8311% | 4,140 |
| Return on Equity (ROE) | 6.7265% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.7265% | 1,535 |
| Net charge-offs to loans | -0.0198% | 5,698 |
| Credit loss provision to net charge-offs | -631.5789% | 5,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4514% | 2,285 |
| Assets per employee ($millions) | 6.0597% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 3,567 |
| Loan loss allowance to noncurrent loans | 180.0270% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 3,496 |
| Noncurrent loans to loans | 0.7087% | 3,552 |
| Net loans and leases to total assets | 74.0595% | 1,574 |
| Net loans and leases to deposits | 82.7327% | 2,373 |
| Net loans and leases to core deposits | 91.1153% | 2,176 |
| Total domestic deposits to total assets | 89.5166% | 969 |
| Equity capital to assets | 10.1835% | 3,876 |
| Core capital (leverage) ratio | 10.5503% | 2,900 |
| Tier 1 risk-based capital ratio | 14.3506% | 3,863 |
| Total risk-based capital ratio | 15.5688% | 3,820 |
| Memoranda: | ||
| Average total assets | $127,778,400 | 4,018 |
| Average earning assets | $123,874,000 | 3,888 |
| Average equity | $11,967,600 | 4,365 |
| Average total loans | $96,115,600 | 3,498 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 1,133 |
| Cost of funding earning assets | 0.6953% | 1,172 |
| Net interest margin | 4.0894% | 1,609 |
| Noninterest income to average assets | 0.1495% | 6,019 |
| Noninterest expense to average assets | 3.1923% | 2,200 |
| Loan and lease loss provision to assets | 0.0961% | 2,441 |
| Net operating income to assets | 0.6299% | 4,307 |
| Return on assets (ROA) | 0.6299% | 4,408 |
| Pretax return on assets | 0.8296% | 4,257 |
| Return on Equity (ROE) | 6.8936% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.8936% | 1,872 |
| Net charge-offs to loans | -0.0213% | 5,631 |
| Credit loss provision to net charge-offs | -600.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5214% | 2,260 |
| Assets per employee ($millions) | 5.7685% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 3,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 5,515 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 71.3287% | 1,963 |
| Net loans and leases to deposits | 79.4873% | 2,774 |
| Net loans and leases to core deposits | 87.3751% | 2,493 |
| Total domestic deposits to total assets | 89.7359% | 855 |
| Equity capital to assets | 9.7719% | 4,455 |
| Core capital (leverage) ratio | 9.7936% | 3,946 |
| Tier 1 risk-based capital ratio | 14.2750% | 4,039 |
| Total risk-based capital ratio | 15.4927% | 3,983 |
| Memoranda: | ||
| Average total assets | $124,879,750 | 4,122 |
| Average earning assets | $121,188,250 | 3,965 |
| Average equity | $11,411,250 | 4,503 |
| Average total loans | $94,006,250 | 3,584 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 981 |
| Cost of funding earning assets | 0.6899% | 1,241 |
| Net interest margin | 4.1661% | 1,329 |
| Noninterest income to average assets | 0.1619% | 5,983 |
| Noninterest expense to average assets | 3.2270% | 2,111 |
| Loan and lease loss provision to assets | 0.0981% | 2,390 |
| Net operating income to assets | 0.6624% | 4,033 |
| Return on assets (ROA) | 0.6624% | 4,130 |
| Pretax return on assets | 0.8767% | 3,974 |
| Return on Equity (ROE) | 7.4357% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.4357% | 1,547 |
| Net charge-offs to loans | 0.1371% | 2,296 |
| Credit loss provision to net charge-offs | 93.7500% | 2,117 |
| Earnings coverage of net charge-offs (x) | 9.3125% | 2,373 |
| Efficiency ratio | 76.8003% | 2,488 |
| Assets per employee ($millions) | 5.2178% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 4,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 5,625 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 71.4209% | 1,839 |
| Net loans and leases to deposits | 78.8291% | 2,687 |
| Net loans and leases to core deposits | 86.7022% | 2,447 |
| Total domestic deposits to total assets | 90.6022% | 546 |
| Equity capital to assets | 9.0161% | 5,282 |
| Core capital (leverage) ratio | 8.9994% | 5,016 |
| Tier 1 risk-based capital ratio | 12.7616% | 5,060 |
| Total risk-based capital ratio | 14.0122% | 5,000 |
| Memoranda: | ||
| Average total assets | $122,281,000 | 4,188 |
| Average earning assets | $118,576,330 | 4,049 |
| Average equity | $10,893,330 | 4,638 |
| Average total loans | $93,363,330 | 3,610 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 786 |
| Cost of funding earning assets | 0.6701% | 1,441 |
| Net interest margin | 4.2821% | 1,034 |
| Noninterest income to average assets | 0.1726% | 5,936 |
| Noninterest expense to average assets | 3.3063% | 1,935 |
| Loan and lease loss provision to assets | 0.1015% | 2,228 |
| Net operating income to assets | 0.6971% | 3,702 |
| Return on assets (ROA) | 0.6971% | 3,779 |
| Pretax return on assets | 0.9171% | 3,638 |
| Return on Equity (ROE) | 7.8780% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.8780% | 1,643 |
| Net charge-offs to loans | 0.2929% | 1,186 |
| Credit loss provision to net charge-offs | 44.1176% | 2,264 |
| Earnings coverage of net charge-offs (x) | 4.4265% | 2,531 |
| Efficiency ratio | 76.4476% | 2,734 |
| Assets per employee ($millions) | 5.1581% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 5,679 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 75.0723% | 1,117 |
| Net loans and leases to deposits | 84.5732% | 1,768 |
| Net loans and leases to core deposits | 90.8873% | 1,838 |
| Total domestic deposits to total assets | 88.7660% | 1,798 |
| Equity capital to assets | 8.5448% | 5,604 |
| Core capital (leverage) ratio | 9.1336% | 4,820 |
| Tier 1 risk-based capital ratio | 11.9461% | 5,674 |
| Total risk-based capital ratio | 13.1974% | 5,605 |
| Memoranda: | ||
| Average total assets | $118,199,000 | 4,313 |
| Average earning assets | $114,615,500 | 4,163 |
| Average equity | $10,459,500 | 4,737 |
| Average total loans | $92,867,500 | 3,637 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 830 |
| Cost of funding earning assets | 0.7121% | 1,732 |
| Net interest margin | 4.3368% | 1,019 |
| Noninterest income to average assets | -0.0138% | 6,677 |
| Noninterest expense to average assets | 3.1292% | 2,645 |
| Loan and lease loss provision to assets | 0.3223% | 1,020 |
| Net operating income to assets | 0.7017% | 3,787 |
| Return on assets (ROA) | 0.7026% | 3,867 |
| Pretax return on assets | 0.7026% | 4,534 |
| Return on Equity (ROE) | 7.6603% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.6603% | 1,167 |
| Net charge-offs to loans | 0.0197% | 5,042 |
| Credit loss provision to net charge-offs | 2,187.5000% | 110 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 607 |
| Efficiency ratio | 75.3437% | 2,890 |
| Assets per employee ($millions) | 4.8958% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,132 |
| Loan loss allowance to noncurrent loans | 276.3889% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 4,672 |
| Noncurrent loans to loans | 0.4714% | 4,819 |
| Net loans and leases to total assets | 80.3257% | 566 |
| Net loans and leases to deposits | 88.6634% | 1,389 |
| Net loans and leases to core deposits | 94.8581% | 1,535 |
| Total domestic deposits to total assets | 90.5962% | 751 |
| Equity capital to assets | 9.1835% | 4,824 |
| Core capital (leverage) ratio | 9.1698% | 4,758 |
| Tier 1 risk-based capital ratio | 12.2278% | 5,474 |
| Total risk-based capital ratio | 13.4686% | 5,412 |
| Memoranda: | ||
| Average total assets | $108,589,000 | 4,534 |
| Average earning assets | $104,339,200 | 4,400 |
| Average equity | $9,960,400 | 4,853 |
| Average total loans | $81,032,000 | 3,905 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 957 |
| Cost of funding earning assets | 0.7159% | 1,846 |
| Net interest margin | 4.2758% | 1,150 |
| Noninterest income to average assets | 0.0607% | 6,598 |
| Noninterest expense to average assets | 3.0549% | 2,807 |
| Loan and lease loss provision to assets | 0.3904% | 784 |
| Net operating income to assets | 0.7089% | 3,808 |
| Return on assets (ROA) | 0.7076% | 3,953 |
| Pretax return on assets | 0.7076% | 4,667 |
| Return on Equity (ROE) | 7.7171% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.7171% | 1,541 |
| Net charge-offs to loans | 0.1021% | 3,519 |
| Credit loss provision to net charge-offs | 525.0000% | 533 |
| Earnings coverage of net charge-offs (x) | 14.7830% | 1,915 |
| Efficiency ratio | 73.5382% | 3,138 |
| Assets per employee ($millions) | 4.8872% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,359 |
| Loan loss allowance to noncurrent loans | 348.4375% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 4,244 |
| Noncurrent loans to loans | 0.3747% | 5,276 |
| Net loans and leases to total assets | 74.9904% | 1,134 |
| Net loans and leases to deposits | 86.8839% | 1,505 |
| Net loans and leases to core deposits | 93.3167% | 1,640 |
| Total domestic deposits to total assets | 86.3111% | 3,071 |
| Equity capital to assets | 9.0192% | 5,164 |
| Core capital (leverage) ratio | 9.1714% | 4,876 |
| Tier 1 risk-based capital ratio | 12.6938% | 5,330 |
| Total risk-based capital ratio | 13.9301% | 5,282 |
| Memoranda: | ||
| Average total assets | $107,585,250 | 4,601 |
| Average earning assets | $102,996,250 | 4,475 |
| Average equity | $9,865,250 | 4,939 |
| Average total loans | $78,379,000 | 4,016 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 1,320 |
| Cost of funding earning assets | 0.7240% | 1,893 |
| Net interest margin | 4.0791% | 1,599 |
| Noninterest income to average assets | 0.1906% | 6,068 |
| Noninterest expense to average assets | 3.1421% | 2,545 |
| Loan and lease loss provision to assets | 0.3963% | 791 |
| Net operating income to assets | 0.5435% | 4,584 |
| Return on assets (ROA) | 0.5435% | 4,756 |
| Pretax return on assets | 0.5435% | 5,227 |
| Return on Equity (ROE) | 5.8930% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.8930% | 2,495 |
| Net charge-offs to loans | 0.1631% | 2,809 |
| Credit loss provision to net charge-offs | 338.7097% | 768 |
| Earnings coverage of net charge-offs (x) | 8.0323% | 2,464 |
| Efficiency ratio | 76.9764% | 2,630 |
| Assets per employee ($millions) | 4.7295% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 4,576 |
| Loan loss allowance to noncurrent loans | 238.2979% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.8873% | 2,294 |
| Noncurrent loans to loans | 0.5395% | 4,905 |
| Net loans and leases to total assets | 71.1523% | 1,700 |
| Net loans and leases to deposits | 82.5218% | 1,989 |
| Net loans and leases to core deposits | 89.4309% | 1,961 |
| Total domestic deposits to total assets | 86.2224% | 3,250 |
| Equity capital to assets | 9.0634% | 5,153 |
| Core capital (leverage) ratio | 9.1909% | 4,709 |
| Tier 1 risk-based capital ratio | 13.3462% | 4,883 |
| Total risk-based capital ratio | 14.6095% | 4,820 |
| Memoranda: | ||
| Average total assets | $105,978,670 | 4,669 |
| Average earning assets | $101,101,670 | 4,551 |
| Average equity | $9,774,330 | 4,992 |
| Average total loans | $76,036,000 | 4,102 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 1,638 |
| Cost of funding earning assets | 0.7166% | 2,082 |
| Net interest margin | 3.9472% | 1,957 |
| Noninterest income to average assets | 0.1606% | 6,298 |
| Noninterest expense to average assets | 3.1249% | 2,600 |
| Loan and lease loss provision to assets | 0.4016% | 769 |
| Net operating income to assets | 0.4054% | 5,110 |
| Return on assets (ROA) | 0.4054% | 5,255 |
| Pretax return on assets | 0.4054% | 5,544 |
| Return on Equity (ROE) | 4.3568% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.3568% | 3,623 |
| Net charge-offs to loans | -0.0107% | 5,467 |
| Credit loss provision to net charge-offs | -5,250.0000% | 5,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4747% | 2,402 |
| Assets per employee ($millions) | 4.6704% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 4,956 |
| Loan loss allowance to noncurrent loans | 165.0171% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 2.0788% | 2,256 |
| Noncurrent loans to loans | 0.7566% | 4,614 |
| Net loans and leases to total assets | 71.2018% | 1,490 |
| Net loans and leases to deposits | 82.6365% | 1,751 |
| Net loans and leases to core deposits | 89.3245% | 1,774 |
| Total domestic deposits to total assets | 86.1627% | 3,441 |
| Equity capital to assets | 9.0998% | 5,365 |
| Core capital (leverage) ratio | 9.5238% | 4,040 |
| Tier 1 risk-based capital ratio | 13.4355% | 4,919 |
| Total risk-based capital ratio | 14.6678% | 4,880 |
| Memoranda: | ||
| Average total assets | $104,579,000 | 4,760 |
| Average earning assets | $99,919,500 | 4,625 |
| Average equity | $9,732,000 | 5,058 |
| Average total loans | $74,851,000 | 4,174 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1096% | 1,289 |
| Cost of funding earning assets | 0.9350% | 1,735 |
| Net interest margin | 4.1746% | 1,730 |
| Noninterest income to average assets | 0.2286% | 5,808 |
| Noninterest expense to average assets | 3.2013% | 2,609 |
| Loan and lease loss provision to assets | 0.4211% | 1,516 |
| Net operating income to assets | 0.4782% | 4,766 |
| Return on assets (ROA) | -1.3004% | 6,829 |
| Pretax return on assets | -1.3004% | 6,802 |
| Return on Equity (ROE) | -12.3036% | 6,775 |
| Retained earnings to average equity (ytd only) | -13.1669% | 6,736 |
| Net charge-offs to loans | 0.6173% | 1,896 |
| Credit loss provision to net charge-offs | 97.9021% | 3,170 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 4,367 |
| Efficiency ratio | 78.0685% | 2,437 |
| Assets per employee ($millions) | 4.8447% | 2,424 |
| Cash dividends to net income (ytd only)* | -7.0162% | 7,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 5,159 |
| Loan loss allowance to noncurrent loans | 155.2347% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 2.1801% | 2,251 |
| Noncurrent loans to loans | 0.7668% | 4,648 |
| Net loans and leases to total assets | 70.1704% | 1,815 |
| Net loans and leases to deposits | 82.1103% | 1,980 |
| Net loans and leases to core deposits | 88.2950% | 2,055 |
| Total domestic deposits to total assets | 85.4587% | 3,635 |
| Equity capital to assets | 9.5235% | 4,842 |
| Core capital (leverage) ratio | 9.2910% | 4,431 |
| Tier 1 risk-based capital ratio | 14.0275% | 4,368 |
| Total risk-based capital ratio | 15.2774% | 4,324 |
| Memoranda: | ||
| Average total assets | $99,740,800 | 4,844 |
| Average earning assets | $92,511,600 | 4,796 |
| Average equity | $10,541,600 | 4,858 |
| Average total loans | $69,497,600 | 4,373 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 1,214 |
| Cost of funding earning assets | 0.9737% | 1,715 |
| Net interest margin | 4.2188% | 1,685 |
| Noninterest income to average assets | 0.2418% | 5,816 |
| Noninterest expense to average assets | 3.1841% | 2,618 |
| Loan and lease loss provision to assets | 0.4232% | 1,505 |
| Net operating income to assets | 0.5172% | 4,778 |
| Return on assets (ROA) | -1.8218% | 7,030 |
| Pretax return on assets | -1.8218% | 7,005 |
| Return on Equity (ROE) | -16.8107% | 6,955 |
| Retained earnings to average equity (ytd only) | -17.9390% | 6,945 |
| Net charge-offs to loans | 0.7034% | 1,571 |
| Credit loss provision to net charge-offs | 86.7769% | 3,400 |
| Earnings coverage of net charge-offs (x) | 1.9284% | 4,297 |
| Efficiency ratio | 77.1987% | 2,496 |
| Assets per employee ($millions) | 5.1195% | 2,029 |
| Cash dividends to net income (ytd only)* | -6.7109% | 7,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 5,329 |
| Loan loss allowance to noncurrent loans | 117.9340% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 2.3850% | 2,233 |
| Noncurrent loans to loans | 1.0088% | 4,437 |
| Net loans and leases to total assets | 66.6781% | 2,526 |
| Net loans and leases to deposits | 77.9154% | 2,667 |
| Net loans and leases to core deposits | 82.7858% | 2,865 |
| Total domestic deposits to total assets | 85.5776% | 3,471 |
| Equity capital to assets | 9.4375% | 5,280 |
| Core capital (leverage) ratio | 9.2762% | 4,628 |
| Tier 1 risk-based capital ratio | 14.1766% | 4,394 |
| Total risk-based capital ratio | 15.4033% | 4,377 |
| Memoranda: | ||
| Average total assets | $99,241,500 | 4,898 |
| Average earning assets | $91,334,500 | 4,875 |
| Average equity | $10,754,750 | 4,860 |
| Average total loans | $68,809,500 | 4,440 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3137% | 1,025 |
| Cost of funding earning assets | 1.0120% | 1,693 |
| Net interest margin | 4.3017% | 1,475 |
| Noninterest income to average assets | 0.2587% | 5,723 |
| Noninterest expense to average assets | 3.1876% | 2,632 |
| Loan and lease loss provision to assets | 0.4277% | 1,528 |
| Net operating income to assets | 0.5825% | 4,443 |
| Return on assets (ROA) | 0.5825% | 4,707 |
| Pretax return on assets | 0.5825% | 5,201 |
| Return on Equity (ROE) | 5.1445% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.5076% | 4,257 |
| Net charge-offs to loans | 0.4744% | 2,167 |
| Credit loss provision to net charge-offs | 128.8344% | 2,136 |
| Earnings coverage of net charge-offs (x) | 3.0429% | 3,529 |
| Efficiency ratio | 75.9340% | 2,753 |
| Assets per employee ($millions) | 4.9816% | 2,201 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 4,905 |
| Loan loss allowance to noncurrent loans | 100.8811% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 2.9549% | 1,863 |
| Noncurrent loans to loans | 1.2857% | 3,992 |
| Net loans and leases to total assets | 69.9652% | 1,927 |
| Net loans and leases to deposits | 83.7201% | 1,892 |
| Net loans and leases to core deposits | 89.1747% | 2,076 |
| Total domestic deposits to total assets | 83.5704% | 4,500 |
| Equity capital to assets | 11.3097% | 2,778 |
| Core capital (leverage) ratio | 11.0520% | 2,250 |
| Tier 1 risk-based capital ratio | 15.7963% | 3,278 |
| Total risk-based capital ratio | 17.0476% | 3,248 |
| Memoranda: | ||
| Average total assets | $98,192,330 | 4,949 |
| Average earning assets | $89,918,000 | 4,938 |
| Average equity | $11,118,670 | 4,788 |
| Average total loans | $68,715,000 | 4,461 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2431% | 1,222 |
| Cost of funding earning assets | 1.0692% | 1,562 |
| Net interest margin | 4.1739% | 1,840 |
| Noninterest income to average assets | 0.2462% | 5,880 |
| Noninterest expense to average assets | 3.2296% | 2,508 |
| Loan and lease loss provision to assets | 0.4309% | 1,456 |
| Net operating income to assets | 0.4145% | 5,197 |
| Return on assets (ROA) | 0.4145% | 5,386 |
| Pretax return on assets | 0.4145% | 5,680 |
| Return on Equity (ROE) | 3.6581% | 5,444 |
| Retained earnings to average equity (ytd only) | 0.3622% | 5,876 |
| Net charge-offs to loans | 0.9504% | 1,090 |
| Credit loss provision to net charge-offs | 65.2174% | 3,010 |
| Earnings coverage of net charge-offs (x) | 1.2795% | 3,690 |
| Efficiency ratio | 79.2548% | 2,308 |
| Assets per employee ($millions) | 5.3806% | 1,803 |
| Cash dividends to net income (ytd only)* | 90.0990% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,603 |
| Loan loss allowance to noncurrent loans | 83.3846% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 2.3907% | 2,484 |
| Noncurrent loans to loans | 1.4117% | 3,989 |
| Net loans and leases to total assets | 66.7645% | 2,337 |
| Net loans and leases to deposits | 79.2895% | 2,300 |
| Net loans and leases to core deposits | 86.7621% | 2,206 |
| Total domestic deposits to total assets | 84.2034% | 4,396 |
| Equity capital to assets | 10.8157% | 3,121 |
| Core capital (leverage) ratio | 11.4936% | 1,899 |
| Tier 1 risk-based capital ratio | 16.2843% | 3,025 |
| Total risk-based capital ratio | 17.4553% | 3,027 |
| Memoranda: | ||
| Average total assets | $97,473,000 | 5,001 |
| Average earning assets | $89,412,500 | 4,985 |
| Average equity | $11,044,000 | 4,819 |
| Average total loans | $67,761,000 | 4,525 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 690 |
| Cost of funding earning assets | 1.3488% | 1,243 |
| Net interest margin | 4.4129% | 1,367 |
| Noninterest income to average assets | -0.0383% | 7,051 |
| Noninterest expense to average assets | 3.4521% | 2,115 |
| Loan and lease loss provision to assets | 0.4059% | 2,561 |
| Net operating income to assets | 0.1206% | 5,816 |
| Return on assets (ROA) | 0.1319% | 5,914 |
| Pretax return on assets | 0.1319% | 5,918 |
| Return on Equity (ROE) | 1.1747% | 5,925 |
| Retained earnings to average equity (ytd only) | -0.4719% | 5,930 |
| Net charge-offs to loans | 0.4650% | 3,125 |
| Credit loss provision to net charge-offs | 118.0328% | 2,722 |
| Earnings coverage of net charge-offs (x) | 1.5311% | 4,629 |
| Efficiency ratio | 86.7668% | 1,470 |
| Assets per employee ($millions) | 4.6358% | 2,707 |
| Cash dividends to net income (ytd only)* | 140.1709% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,868 |
| Loan loss allowance to noncurrent loans | 238.0822% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 1.9781% | 2,999 |
| Noncurrent loans to loans | 0.5492% | 5,619 |
| Net loans and leases to total assets | 70.7394% | 1,877 |
| Net loans and leases to deposits | 85.6594% | 1,710 |
| Net loans and leases to core deposits | 92.9072% | 1,803 |
| Total domestic deposits to total assets | 82.5821% | 4,933 |
| Equity capital to assets | 11.8978% | 2,200 |
| Core capital (leverage) ratio | 11.8130% | 1,700 |
| Tier 1 risk-based capital ratio | 16.9880% | 2,614 |
| Total risk-based capital ratio | 18.2395% | 2,567 |
| Memoranda: | ||
| Average total assets | $88,699,000 | 5,213 |
| Average earning assets | $80,741,200 | 5,206 |
| Average equity | $9,960,200 | 5,032 |
| Average total loans | $65,587,200 | 4,649 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7829% | 720 |
| Cost of funding earning assets | 1.4120% | 1,180 |
| Net interest margin | 4.3709% | 1,489 |
| Noninterest income to average assets | -0.0076% | 7,129 |
| Noninterest expense to average assets | 3.2871% | 2,539 |
| Loan and lease loss provision to assets | 0.3193% | 2,987 |
| Net operating income to assets | 0.3725% | 5,119 |
| Return on assets (ROA) | 0.3725% | 5,303 |
| Pretax return on assets | 0.3725% | 5,552 |
| Return on Equity (ROE) | 3.3702% | 5,286 |
| Retained earnings to average equity (ytd only) | 1.1143% | 5,573 |
| Net charge-offs to loans | 0.2060% | 4,151 |
| Credit loss provision to net charge-offs | 207.9208% | 1,406 |
| Earnings coverage of net charge-offs (x) | 4.5050% | 3,050 |
| Efficiency ratio | 82.6137% | 1,887 |
| Assets per employee ($millions) | 4.8412% | 2,408 |
| Cash dividends to net income (ytd only)* | 66.9381% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 4,749 |
| Loan loss allowance to noncurrent loans | 160.5217% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 2.5353% | 2,539 |
| Noncurrent loans to loans | 0.8447% | 5,179 |
| Net loans and leases to total assets | 72.9991% | 1,506 |
| Net loans and leases to deposits | 88.7552% | 1,345 |
| Net loans and leases to core deposits | 90.5299% | 2,184 |
| Total domestic deposits to total assets | 82.2476% | 4,988 |
| Equity capital to assets | 12.1611% | 2,135 |
| Core capital (leverage) ratio | 12.1268% | 1,634 |
| Tier 1 risk-based capital ratio | 16.8328% | 2,703 |
| Total risk-based capital ratio | 18.0424% | 2,697 |
| Memoranda: | ||
| Average total assets | $87,695,000 | 5,281 |
| Average earning assets | $79,980,750 | 5,271 |
| Average equity | $9,692,500 | 5,130 |
| Average total loans | $65,370,250 | 4,702 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9295% | 545 |
| Cost of funding earning assets | 1.5101% | 973 |
| Net interest margin | 4.4194% | 1,315 |
| Noninterest income to average assets | -0.1159% | 7,298 |
| Noninterest expense to average assets | 3.3130% | 2,515 |
| Loan and lease loss provision to assets | 0.1855% | 4,062 |
| Net operating income to assets | 0.3617% | 5,120 |
| Return on assets (ROA) | 0.3617% | 5,263 |
| Pretax return on assets | 0.3617% | 5,511 |
| Return on Equity (ROE) | 3.3933% | 5,214 |
| Retained earnings to average equity (ytd only) | -0.1740% | 5,870 |
| Net charge-offs to loans | 0.3350% | 3,223 |
| Credit loss provision to net charge-offs | 74.0741% | 3,944 |
| Earnings coverage of net charge-offs (x) | 2.1852% | 3,746 |
| Efficiency ratio | 85.8258% | 1,619 |
| Assets per employee ($millions) | 4.5989% | 2,687 |
| Cash dividends to net income (ytd only)* | 105.1282% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 5,486 |
| Loan loss allowance to noncurrent loans | 207.9365% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 2.5784% | 2,586 |
| Noncurrent loans to loans | 0.5846% | 5,760 |
| Net loans and leases to total assets | 73.0980% | 1,576 |
| Net loans and leases to deposits | 83.7953% | 2,136 |
| Net loans and leases to core deposits | 89.2779% | 2,463 |
| Total domestic deposits to total assets | 87.2339% | 2,606 |
| Equity capital to assets | 12.5933% | 1,734 |
| Core capital (leverage) ratio | 12.1162% | 1,548 |
| Tier 1 risk-based capital ratio | 18.3258% | 2,067 |
| Total risk-based capital ratio | 19.5732% | 2,021 |
| Memoranda: | ||
| Average total assets | $86,266,000 | 5,367 |
| Average earning assets | $77,612,000 | 5,379 |
| Average equity | $9,194,670 | 5,267 |
| Average total loans | $64,470,670 | 4,771 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9084% | 585 |
| Cost of funding earning assets | 1.5973% | 824 |
| Net interest margin | 4.3111% | 1,528 |
| Noninterest income to average assets | -0.3267% | 7,463 |
| Noninterest expense to average assets | 3.1455% | 3,090 |
| Loan and lease loss provision to assets | 0.0467% | 5,417 |
| Net operating income to assets | 0.3734% | 5,054 |
| Return on assets (ROA) | 0.3734% | 5,137 |
| Pretax return on assets | 0.3734% | 5,418 |
| Return on Equity (ROE) | 3.8601% | 4,972 |
| Retained earnings to average equity (ytd only) | -4.0531% | 6,420 |
| Net charge-offs to loans | -0.0062% | 6,271 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2199% | 1,489 |
| Assets per employee ($millions) | 4.5299% | 2,836 |
| Cash dividends to net income (ytd only)* | 205.0000% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,385 |
| Loan loss allowance to noncurrent loans | 204.7146% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 2.5154% | 2,721 |
| Noncurrent loans to loans | 0.6109% | 5,813 |
| Net loans and leases to total assets | 75.6811% | 1,074 |
| Net loans and leases to deposits | 83.8618% | 2,052 |
| Net loans and leases to core deposits | 89.2216% | 2,452 |
| Total domestic deposits to total assets | 90.2450% | 989 |
| Equity capital to assets | 9.5946% | 4,319 |
| Core capital (leverage) ratio | 9.5408% | 3,745 |
| Tier 1 risk-based capital ratio | 13.4430% | 4,464 |
| Total risk-based capital ratio | 14.6891% | 4,451 |
| Memoranda: | ||
| Average total assets | $85,709,000 | 5,416 |
| Average earning assets | $77,382,000 | 5,431 |
| Average equity | $8,290,000 | 5,524 |
| Average total loans | $64,376,500 | 4,826 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0450% | 780 |
| Cost of funding earning assets | 1.7879% | 1,219 |
| Net interest margin | 4.2571% | 1,968 |
| Noninterest income to average assets | 0.2176% | 6,247 |
| Noninterest expense to average assets | 3.2563% | 2,888 |
| Loan and lease loss provision to assets | 0.3044% | 4,367 |
| Net operating income to assets | 0.5525% | 3,879 |
| Return on assets (ROA) | 0.5660% | 3,978 |
| Pretax return on assets | 0.5660% | 4,431 |
| Return on Equity (ROE) | 6.2017% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.2017% | 1,713 |
| Net charge-offs to loans | 0.4302% | 3,896 |
| Credit loss provision to net charge-offs | 92.1502% | 5,035 |
| Earnings coverage of net charge-offs (x) | 2.5939% | 3,804 |
| Efficiency ratio | 79.1667% | 2,512 |
| Assets per employee ($millions) | 4.2675% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 5,023 |
| Loan loss allowance to noncurrent loans | 239.4118% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 3.2396% | 2,179 |
| Noncurrent loans to loans | 0.5415% | 5,969 |
| Net loans and leases to total assets | 72.6148% | 1,964 |
| Net loans and leases to deposits | 80.6979% | 3,045 |
| Net loans and leases to core deposits | 84.6343% | 3,502 |
| Total domestic deposits to total assets | 89.9835% | 1,112 |
| Equity capital to assets | 9.7506% | 4,054 |
| Core capital (leverage) ratio | 9.3625% | 3,904 |
| Tier 1 risk-based capital ratio | 14.1018% | 3,810 |
| Total risk-based capital ratio | 15.3536% | 3,769 |
| Memoranda: | ||
| Average total assets | $88,689,800 | 5,330 |
| Average earning assets | $81,158,600 | 5,300 |
| Average equity | $8,094,600 | 5,686 |
| Average total loans | $68,100,000 | 4,746 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0863% | 784 |
| Cost of funding earning assets | 1.8038% | 1,402 |
| Net interest margin | 4.2824% | 1,904 |
| Noninterest income to average assets | 0.2249% | 6,292 |
| Noninterest expense to average assets | 3.2422% | 2,769 |
| Loan and lease loss provision to assets | 0.3723% | 3,661 |
| Net operating income to assets | 0.5421% | 4,122 |
| Return on assets (ROA) | 0.5600% | 4,218 |
| Pretax return on assets | 0.5600% | 4,725 |
| Return on Equity (ROE) | 6.2371% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.2371% | 2,241 |
| Net charge-offs to loans | 0.5435% | 3,124 |
| Credit loss provision to net charge-offs | 88.3392% | 4,835 |
| Earnings coverage of net charge-offs (x) | 2.1696% | 4,099 |
| Efficiency ratio | 78.0007% | 2,622 |
| Assets per employee ($millions) | 4.4171% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 5,007 |
| Loan loss allowance to noncurrent loans | 120.3593% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 2.8412% | 2,552 |
| Noncurrent loans to loans | 1.0743% | 5,086 |
| Net loans and leases to total assets | 69.4754% | 2,859 |
| Net loans and leases to deposits | 76.9248% | 4,019 |
| Net loans and leases to core deposits | 80.5100% | 4,446 |
| Total domestic deposits to total assets | 90.3160% | 714 |
| Equity capital to assets | 9.3342% | 5,079 |
| Core capital (leverage) ratio | 9.3574% | 4,123 |
| Tier 1 risk-based capital ratio | 14.1078% | 3,757 |
| Total risk-based capital ratio | 15.3690% | 3,728 |
| Memoranda: | ||
| Average total assets | $89,525,000 | 5,371 |
| Average earning assets | $82,194,000 | 5,337 |
| Average equity | $8,037,750 | 5,777 |
| Average total loans | $69,427,500 | 4,779 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2509% | 565 |
| Cost of funding earning assets | 1.8412% | 1,480 |
| Net interest margin | 4.4097% | 1,419 |
| Noninterest income to average assets | 0.2313% | 6,259 |
| Noninterest expense to average assets | 3.2407% | 2,760 |
| Loan and lease loss provision to assets | 0.4893% | 2,851 |
| Net operating income to assets | 0.5605% | 4,033 |
| Return on assets (ROA) | 0.5872% | 4,070 |
| Pretax return on assets | 0.5872% | 4,604 |
| Return on Equity (ROE) | 6.6262% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.6262% | 2,002 |
| Net charge-offs to loans | 0.3675% | 3,519 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 3.5758% | 3,261 |
| Efficiency ratio | 75.5314% | 3,156 |
| Assets per employee ($millions) | 4.8711% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 4,783 |
| Loan loss allowance to noncurrent loans | 108.0607% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 3.0965% | 2,291 |
| Noncurrent loans to loans | 1.2273% | 4,913 |
| Net loans and leases to total assets | 78.4943% | 1,030 |
| Net loans and leases to deposits | 86.7520% | 2,387 |
| Net loans and leases to core deposits | 90.9155% | 3,139 |
| Total domestic deposits to total assets | 90.4812% | 691 |
| Equity capital to assets | 9.2337% | 5,099 |
| Core capital (leverage) ratio | 8.8917% | 4,758 |
| Tier 1 risk-based capital ratio | 12.7955% | 4,611 |
| Total risk-based capital ratio | 14.0571% | 4,564 |
| Memoranda: | ||
| Average total assets | $89,919,330 | 5,392 |
| Average earning assets | $82,772,000 | 5,345 |
| Average equity | $7,968,330 | 5,817 |
| Average total loans | $71,843,330 | 4,724 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1660% | 688 |
| Cost of funding earning assets | 1.8932% | 1,478 |
| Net interest margin | 4.2728% | 1,774 |
| Noninterest income to average assets | 0.2417% | 6,221 |
| Noninterest expense to average assets | 3.1591% | 3,016 |
| Loan and lease loss provision to assets | 0.4613% | 2,660 |
| Net operating income to assets | 0.5580% | 4,098 |
| Return on assets (ROA) | 0.5931% | 4,067 |
| Pretax return on assets | 0.5931% | 4,633 |
| Return on Equity (ROE) | 6.8316% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.8316% | 2,206 |
| Net charge-offs to loans | 0.2579% | 3,389 |
| Credit loss provision to net charge-offs | 223.4043% | 1,691 |
| Earnings coverage of net charge-offs (x) | 4.9362% | 2,509 |
| Efficiency ratio | 75.6046% | 3,288 |
| Assets per employee ($millions) | 4.8038% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 5,406 |
| Loan loss allowance to noncurrent loans | 348.2490% | 894 |
| Noncurrent assets plus other real estate owned to assets | 2.3589% | 3,076 |
| Noncurrent loans to loans | 0.3498% | 6,601 |
| Net loans and leases to total assets | 79.5109% | 905 |
| Net loans and leases to deposits | 90.6504% | 1,808 |
| Net loans and leases to core deposits | 95.0231% | 2,696 |
| Total domestic deposits to total assets | 87.7116% | 2,229 |
| Equity capital to assets | 8.7463% | 5,660 |
| Core capital (leverage) ratio | 8.7668% | 4,907 |
| Tier 1 risk-based capital ratio | 11.7442% | 5,451 |
| Total risk-based capital ratio | 12.9957% | 5,395 |
| Memoranda: | ||
| Average total assets | $91,039,500 | 5,421 |
| Average earning assets | $83,880,000 | 5,365 |
| Average equity | $7,904,500 | 5,880 |
| Average total loans | $72,891,000 | 4,749 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2467% | 1,127 |
| Cost of funding earning assets | 2.5188% | 983 |
| Net interest margin | 3.7279% | 4,015 |
| Noninterest income to average assets | 0.0768% | 7,366 |
| Noninterest expense to average assets | 3.0968% | 3,759 |
| Loan and lease loss provision to assets | 0.5630% | 3,558 |
| Net operating income to assets | -0.0835% | 5,647 |
| Return on assets (ROA) | -0.0768% | 5,653 |
| Pretax return on assets | -0.0768% | 5,568 |
| Return on Equity (ROE) | -0.8921% | 5,683 |
| Retained earnings to average equity (ytd only) | -1.7325% | 5,440 |
| Net charge-offs to loans | 0.6733% | 3,165 |
| Credit loss provision to net charge-offs | 100.1980% | 5,505 |
| Earnings coverage of net charge-offs (x) | 0.8535% | 5,257 |
| Efficiency ratio | 86.5899% | 2,050 |
| Assets per employee ($millions) | 4.7793% | 2,506 |
| Cash dividends to net income (ytd only)* | -94.2029% | 7,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,600 |
| Loan loss allowance to noncurrent loans | 132.4367% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 2.6133% | 2,689 |
| Noncurrent loans to loans | 0.8740% | 5,553 |
| Net loans and leases to total assets | 78.7151% | 1,249 |
| Net loans and leases to deposits | 86.5047% | 2,820 |
| Net loans and leases to core deposits | 152.2590% | 457 |
| Total domestic deposits to total assets | 90.9951% | 534 |
| Equity capital to assets | 8.6184% | 5,705 |
| Core capital (leverage) ratio | 8.3642% | 5,514 |
| Tier 1 risk-based capital ratio | 11.7046% | 5,192 |
| Total risk-based capital ratio | 12.9655% | 5,145 |
| Memoranda: | ||
| Average total assets | $89,868,200 | 5,397 |
| Average earning assets | $84,364,600 | 5,322 |
| Average equity | $7,734,400 | 6,014 |
| Average total loans | $75,003,800 | 4,686 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2404% | 1,267 |
| Cost of funding earning assets | 2.6240% | 975 |
| Net interest margin | 3.6164% | 4,422 |
| Noninterest income to average assets | 0.0506% | 7,648 |
| Noninterest expense to average assets | 3.0895% | 3,685 |
| Loan and lease loss provision to assets | 0.6411% | 2,836 |
| Net operating income to assets | -0.2707% | 6,163 |
| Return on assets (ROA) | -0.2707% | 6,173 |
| Pretax return on assets | -0.2707% | 6,066 |
| Return on Equity (ROE) | -3.1467% | 6,263 |
| Retained earnings to average equity (ytd only) | -4.2706% | 6,150 |
| Net charge-offs to loans | 0.8933% | 2,178 |
| Credit loss provision to net charge-offs | 85.0099% | 5,621 |
| Earnings coverage of net charge-offs (x) | 0.4911% | 5,539 |
| Efficiency ratio | 89.2949% | 1,753 |
| Assets per employee ($millions) | 4.7688% | 2,445 |
| Cash dividends to net income (ytd only)* | -35.7125% | 7,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,197 |
| Loan loss allowance to noncurrent loans | 39.7906% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 2.4270% | 2,839 |
| Noncurrent loans to loans | 2.5472% | 2,963 |
| Net loans and leases to total assets | 81.9175% | 824 |
| Net loans and leases to deposits | 89.9618% | 2,587 |
| Net loans and leases to core deposits | 163.1024% | 340 |
| Total domestic deposits to total assets | 91.0581% | 396 |
| Equity capital to assets | 8.5049% | 6,246 |
| Core capital (leverage) ratio | 8.3879% | 5,682 |
| Tier 1 risk-based capital ratio | 11.4232% | 5,502 |
| Total risk-based capital ratio | 12.5577% | 5,577 |
| Memoranda: | ||
| Average total assets | $89,633,750 | 5,433 |
| Average earning assets | $84,501,000 | 5,355 |
| Average equity | $7,711,500 | 6,082 |
| Average total loans | $75,676,000 | 4,709 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2808% | 1,257 |
| Cost of funding earning assets | 2.7508% | 904 |
| Net interest margin | 3.5300% | 4,658 |
| Noninterest income to average assets | 0.0425% | 7,772 |
| Noninterest expense to average assets | 3.0344% | 3,955 |
| Loan and lease loss provision to assets | 0.8980% | 1,882 |
| Net operating income to assets | -0.5621% | 6,612 |
| Return on assets (ROA) | -0.5621% | 6,620 |
| Pretax return on assets | -0.5621% | 6,490 |
| Return on Equity (ROE) | -6.5082% | 6,759 |
| Retained earnings to average equity (ytd only) | -8.1936% | 6,690 |
| Net charge-offs to loans | 0.8932% | 1,911 |
| Credit loss provision to net charge-offs | 118.2891% | 3,931 |
| Earnings coverage of net charge-offs (x) | 0.4425% | 5,257 |
| Efficiency ratio | 90.0332% | 1,808 |
| Assets per employee ($millions) | 5.1522% | 1,913 |
| Cash dividends to net income (ytd only)* | -25.8964% | 7,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 5,158 |
| Loan loss allowance to noncurrent loans | 73.7274% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.4240% | 2,665 |
| Noncurrent loans to loans | 1.5828% | 4,122 |
| Net loans and leases to total assets | 82.0086% | 956 |
| Net loans and leases to deposits | 89.7880% | 2,867 |
| Net loans and leases to core deposits | 168.4250% | 341 |
| Total domestic deposits to total assets | 91.3359% | 355 |
| Equity capital to assets | 8.2058% | 6,480 |
| Core capital (leverage) ratio | 8.2302% | 5,923 |
| Tier 1 risk-based capital ratio | 10.6010% | 6,292 |
| Total risk-based capital ratio | 11.8571% | 6,223 |
| Memoranda: | ||
| Average total assets | $89,309,330 | 5,484 |
| Average earning assets | $84,192,670 | 5,405 |
| Average equity | $7,713,330 | 6,117 |
| Average total loans | $75,907,000 | 4,737 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3383% | 1,192 |
| Cost of funding earning assets | 2.8530% | 862 |
| Net interest margin | 3.4853% | 4,786 |
| Noninterest income to average assets | -0.0913% | 8,133 |
| Noninterest expense to average assets | 2.9956% | 3,788 |
| Loan and lease loss provision to assets | 1.4658% | 858 |
| Net operating income to assets | -1.2558% | 7,394 |
| Return on assets (ROA) | -1.2558% | 7,410 |
| Pretax return on assets | -1.2558% | 7,277 |
| Return on Equity (ROE) | -14.1661% | 7,570 |
| Retained earnings to average equity (ytd only) | -17.5145% | 7,566 |
| Net charge-offs to loans | 0.6686% | 1,846 |
| Credit loss provision to net charge-offs | 254.7619% | 1,850 |
| Earnings coverage of net charge-offs (x) | 0.3651% | 4,684 |
| Efficiency ratio | 93.4473% | 1,467 |
| Assets per employee ($millions) | 5.1024% | 1,956 |
| Cash dividends to net income (ytd only)* | -23.6364% | 8,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 3,779 |
| Loan loss allowance to noncurrent loans | 56.1241% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 2.2233% | 2,573 |
| Noncurrent loans to loans | 2.4114% | 2,735 |
| Net loans and leases to total assets | 81.8224% | 1,041 |
| Net loans and leases to deposits | 89.6060% | 2,992 |
| Net loans and leases to core deposits | 171.5848% | 318 |
| Total domestic deposits to total assets | 91.3135% | 321 |
| Equity capital to assets | 8.2705% | 6,430 |
| Core capital (leverage) ratio | 8.5158% | 5,498 |
| Tier 1 risk-based capital ratio | 10.7592% | 6,133 |
| Total risk-based capital ratio | 12.0116% | 6,038 |
| Memoranda: | ||
| Average total assets | $87,594,500 | 5,562 |
| Average earning assets | $82,861,500 | 5,462 |
| Average equity | $7,765,000 | 6,134 |
| Average total loans | $75,384,500 | 4,788 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8793% | 1,467 |
| Cost of funding earning assets | 3.2645% | 1,010 |
| Net interest margin | 3.6148% | 4,815 |
| Noninterest income to average assets | 0.1417% | 7,398 |
| Noninterest expense to average assets | 3.0463% | 3,912 |
| Loan and lease loss provision to assets | 0.3505% | 3,592 |
| Net operating income to assets | 0.2212% | 5,786 |
| Return on assets (ROA) | 0.2212% | 5,613 |
| Pretax return on assets | 0.2212% | 5,685 |
| Return on Equity (ROE) | 2.2694% | 5,516 |
| Retained earnings to average equity (ytd only) | 0.2295% | 5,092 |
| Net charge-offs to loans | 0.1393% | 4,831 |
| Credit loss provision to net charge-offs | 293.7500% | 1,542 |
| Earnings coverage of net charge-offs (x) | 4.7917% | 3,853 |
| Efficiency ratio | 84.1979% | 2,034 |
| Assets per employee ($millions) | 4.6303% | 2,434 |
| Cash dividends to net income (ytd only)* | 89.8876% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,123 |
| Loan loss allowance to noncurrent loans | 60.9774% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 2.5268% | 1,916 |
| Noncurrent loans to loans | 1.8381% | 3,002 |
| Net loans and leases to total assets | 88.4912% | 322 |
| Net loans and leases to deposits | 101.3202% | 1,667 |
| Net loans and leases to core deposits | 172.4410% | 366 |
| Total domestic deposits to total assets | 87.3382% | 1,784 |
| Equity capital to assets | 9.5195% | 4,658 |
| Core capital (leverage) ratio | 9.3455% | 4,239 |
| Tier 1 risk-based capital ratio | 11.6284% | 5,125 |
| Total risk-based capital ratio | 12.8611% | 5,032 |
| Memoranda: | ||
| Average total assets | $80,457,200 | 5,687 |
| Average earning assets | $77,377,000 | 5,532 |
| Average equity | $7,843,600 | 6,151 |
| Average total loans | $68,894,800 | 4,910 |