Home > Heritage Bank & Trust > Performance and Condition Ratios
Heritage Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 1,164 |
| Cost of funding earning assets | 1.7530% | 1,345 |
| Net interest margin | 3.7429% | 1,665 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 3.0364% | 1,068 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.7129% | 3,161 |
| Return on assets (ROA) | 0.7009% | 3,165 |
| Pretax return on assets | 0.8648% | 3,052 |
| Return on Equity (ROE) | 9.8700% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.5649% | 1,377 |
| Net charge-offs to loans | 0.0044% | 2,571 |
| Credit loss provision to net charge-offs | 6,363.6364% | 79 |
| Earnings coverage of net charge-offs (x) | 323.1818% | 411 |
| Efficiency ratio | 73.4919% | 1,504 |
| Assets per employee ($millions) | 5.7282% | 3,046 |
| Cash dividends to net income (ytd only)* | 13.1868% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9306% | 432 |
| Loan loss allowance to noncurrent loans | 1,141.2766% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 2,664 |
| Noncurrent loans to loans | 0.1692% | 2,674 |
| Net loans and leases to total assets | 75.5000% | 1,175 |
| Net loans and leases to deposits | 84.7346% | 1,709 |
| Net loans and leases to core deposits | 93.3527% | 1,817 |
| Total domestic deposits to total assets | 89.1100% | 1,033 |
| Equity capital to assets | 7.1404% | 3,880 |
| Core capital (leverage) ratio | 8.5285% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7979% | 2,630 |
| Memoranda: | ||
| Average total assets | $324,590,200 | 2,296 |
| Average earning assets | $301,932,400 | 2,296 |
| Average equity | $23,059,200 | 2,624 |
| Average total loans | $251,708,800 | 1,995 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 1,175 |
| Cost of funding earning assets | 1.6527% | 1,271 |
| Net interest margin | 3.7199% | 1,737 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.1435% | 878 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.5755% | 3,613 |
| Return on assets (ROA) | 0.5755% | 3,596 |
| Pretax return on assets | 0.7818% | 3,377 |
| Return on Equity (ROE) | 8.1100% | 3,163 |
| Retained earnings to average equity (ytd only) | 8.1135% | 1,919 |
| Net charge-offs to loans | -0.0011% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.0561% | 1,087 |
| Assets per employee ($millions) | 5.7498% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 440 |
| Loan loss allowance to noncurrent loans | 1,286.2245% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,807 |
| Noncurrent loans to loans | 0.1504% | 2,802 |
| Net loans and leases to total assets | 74.0900% | 1,329 |
| Net loans and leases to deposits | 82.9959% | 1,827 |
| Net loans and leases to core deposits | 90.8779% | 1,864 |
| Total domestic deposits to total assets | 89.2700% | 1,163 |
| Equity capital to assets | 6.8983% | 3,664 |
| Core capital (leverage) ratio | 8.5743% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1697% | 2,565 |
| Memoranda: | ||
| Average total assets | $315,519,250 | 2,346 |
| Average earning assets | $293,013,500 | 2,347 |
| Average equity | $22,382,000 | 2,658 |
| Average total loans | $245,176,250 | 2,027 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 1,167 |
| Cost of funding earning assets | 1.4933% | 1,254 |
| Net interest margin | 3.7420% | 1,732 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 3.2483% | 744 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.5267% | 3,754 |
| Return on assets (ROA) | 0.5267% | 3,763 |
| Pretax return on assets | 0.7151% | 3,572 |
| Return on Equity (ROE) | 7.3500% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.3482% | 2,175 |
| Net charge-offs to loans | -0.0083% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.9774% | 841 |
| Assets per employee ($millions) | 5.6500% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 444 |
| Loan loss allowance to noncurrent loans | 762.7760% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 2,191 |
| Noncurrent loans to loans | 0.2575% | 2,233 |
| Net loans and leases to total assets | 76.2800% | 1,020 |
| Net loans and leases to deposits | 85.7304% | 1,522 |
| Net loans and leases to core deposits | 94.5231% | 1,546 |
| Total domestic deposits to total assets | 88.9800% | 1,267 |
| Equity capital to assets | 7.0919% | 3,744 |
| Core capital (leverage) ratio | 8.5297% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8693% | 2,666 |
| Memoranda: | ||
| Average total assets | $305,697,333 | 2,408 |
| Average earning assets | $283,802,000 | 2,401 |
| Average equity | $21,910,000 | 2,705 |
| Average total loans | $240,019,333 | 2,051 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0721% | 1,111 |
| Cost of funding earning assets | 1.3532% | 1,124 |
| Net interest margin | 3.7189% | 1,854 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 3.3122% | 684 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.4262% | 4,047 |
| Return on assets (ROA) | 0.4262% | 3,996 |
| Pretax return on assets | 0.5767% | 3,883 |
| Return on Equity (ROE) | 5.9100% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.9135% | 2,785 |
| Net charge-offs to loans | -0.0068% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.6246% | 667 |
| Assets per employee ($millions) | 5.5616% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 448 |
| Loan loss allowance to noncurrent loans | 2,012.6582% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,025 |
| Noncurrent loans to loans | 0.0989% | 3,048 |
| Net loans and leases to total assets | 76.7600% | 899 |
| Net loans and leases to deposits | 83.4707% | 1,537 |
| Net loans and leases to core deposits | 91.7671% | 1,514 |
| Total domestic deposits to total assets | 91.9600% | 526 |
| Equity capital to assets | 7.2716% | 3,692 |
| Core capital (leverage) ratio | 8.5264% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9023% | 2,755 |
| Memoranda: | ||
| Average total assets | $300,345,500 | 2,467 |
| Average earning assets | $279,331,500 | 2,453 |
| Average equity | $21,645,500 | 2,751 |
| Average total loans | $236,930,500 | 2,087 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 968 |
| Cost of funding earning assets | 0.4813% | 1,520 |
| Net interest margin | 3.8702% | 1,032 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.9869% | 983 |
| Loan and lease loss provision to assets | 0.3800% | 188 |
| Net operating income to assets | 0.6791% | 3,676 |
| Return on assets (ROA) | 0.6081% | 3,812 |
| Pretax return on assets | 0.7966% | 3,632 |
| Return on Equity (ROE) | 8.1300% | 3,354 |
| Retained earnings to average equity (ytd only) | 8.1309% | 1,783 |
| Net charge-offs to loans | -0.0202% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1586% | 1,663 |
| Assets per employee ($millions) | 5.4593% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 531 |
| Loan loss allowance to noncurrent loans | 1,732.1705% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 2,936 |
| Noncurrent loans to loans | 0.1101% | 2,982 |
| Net loans and leases to total assets | 77.9600% | 799 |
| Net loans and leases to deposits | 86.1253% | 1,306 |
| Net loans and leases to core deposits | 93.6233% | 1,313 |
| Total domestic deposits to total assets | 90.5200% | 1,143 |
| Equity capital to assets | 7.1397% | 3,590 |
| Core capital (leverage) ratio | 8.5495% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5885% | 2,842 |
| Memoranda: | ||
| Average total assets | $269,508,000 | 2,612 |
| Average earning assets | $251,202,600 | 2,606 |
| Average equity | $20,157,600 | 2,943 |
| Average total loans | $203,240,400 | 2,204 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 1,033 |
| Cost of funding earning assets | 0.2840% | 2,344 |
| Net interest margin | 3.8346% | 902 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 3.0133% | 888 |
| Loan and lease loss provision to assets | 0.4600% | 115 |
| Net operating income to assets | 0.5775% | 3,893 |
| Return on assets (ROA) | 0.5775% | 3,847 |
| Pretax return on assets | 0.7883% | 3,615 |
| Return on Equity (ROE) | 7.6200% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.6246% | 2,140 |
| Net charge-offs to loans | -0.0252% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.6917% | 1,686 |
| Assets per employee ($millions) | 5.5794% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 610 |
| Loan loss allowance to noncurrent loans | 1,631.5789% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 3,022 |
| Noncurrent loans to loans | 0.1160% | 3,063 |
| Net loans and leases to total assets | 77.5600% | 745 |
| Net loans and leases to deposits | 83.8156% | 1,313 |
| Net loans and leases to core deposits | 88.4243% | 1,394 |
| Total domestic deposits to total assets | 92.5400% | 705 |
| Equity capital to assets | 6.8604% | 3,586 |
| Core capital (leverage) ratio | 8.8604% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5953% | 2,920 |
| Memoranda: | ||
| Average total assets | $263,184,000 | 2,665 |
| Average earning assets | $245,510,000 | 2,658 |
| Average equity | $19,935,000 | 3,004 |
| Average total loans | $195,475,000 | 2,261 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 1,009 |
| Cost of funding earning assets | 0.1955% | 2,975 |
| Net interest margin | 3.7629% | 816 |
| Noninterest income to average assets | 0.6758% | 1,442 |
| Noninterest expense to average assets | 3.1314% | 695 |
| Loan and lease loss provision to assets | 0.3029% | 218 |
| Net operating income to assets | 0.5295% | 3,820 |
| Return on assets (ROA) | 0.5295% | 3,773 |
| Pretax return on assets | 0.7545% | 3,439 |
| Return on Equity (ROE) | 6.7484% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.7484% | 2,071 |
| Net charge-offs to loans | -0.0456% | 4,203 |
| Credit loss provision to net charge-offs | -916.6667% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7558% | 1,419 |
| Assets per employee ($millions) | 5.0175% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 699 |
| Loan loss allowance to noncurrent loans | 1,212.6984% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,865 |
| Noncurrent loans to loans | 0.1547% | 2,918 |
| Net loans and leases to total assets | 76.5722% | 676 |
| Net loans and leases to deposits | 83.0692% | 1,175 |
| Net loans and leases to core deposits | 85.6475% | 1,365 |
| Total domestic deposits to total assets | 92.1789% | 769 |
| Equity capital to assets | 7.1247% | 3,704 |
| Core capital (leverage) ratio | 8.6088% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7489% | 2,872 |
| Memoranda: | ||
| Average total assets | $254,203,000 | 2,744 |
| Average earning assets | $237,318,667 | 2,738 |
| Average equity | $19,945,333 | 3,077 |
| Average total loans | $184,179,000 | 2,354 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7864% | 1,107 |
| Cost of funding earning assets | 0.1882% | 2,968 |
| Net interest margin | 3.5982% | 897 |
| Noninterest income to average assets | 0.6219% | 1,597 |
| Noninterest expense to average assets | 3.1620% | 636 |
| Loan and lease loss provision to assets | 0.1355% | 597 |
| Net operating income to assets | 0.4497% | 3,846 |
| Return on assets (ROA) | 0.4497% | 3,810 |
| Pretax return on assets | 0.6777% | 3,452 |
| Return on Equity (ROE) | 5.4695% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.4695% | 2,422 |
| Net charge-offs to loans | -0.1169% | 4,498 |
| Credit loss provision to net charge-offs | -166.6667% | 2,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5427% | 1,187 |
| Assets per employee ($millions) | 5.0309% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 661 |
| Loan loss allowance to noncurrent loans | 1,082.5153% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 2,868 |
| Noncurrent loans to loans | 0.1815% | 2,908 |
| Net loans and leases to total assets | 71.4221% | 883 |
| Net loans and leases to deposits | 78.3680% | 1,257 |
| Net loans and leases to core deposits | 81.6785% | 1,366 |
| Total domestic deposits to total assets | 91.1369% | 962 |
| Equity capital to assets | 8.0242% | 3,547 |
| Core capital (leverage) ratio | 8.7630% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9836% | 2,614 |
| Memoranda: | ||
| Average total assets | $250,850,500 | 2,784 |
| Average earning assets | $233,783,000 | 2,774 |
| Average equity | $20,623,500 | 3,092 |
| Average total loans | $174,467,000 | 2,422 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 1,090 |
| Cost of funding earning assets | 0.3823% | 1,665 |
| Net interest margin | 3.7625% | 1,081 |
| Noninterest income to average assets | 1.9050% | 343 |
| Noninterest expense to average assets | 2.9965% | 987 |
| Loan and lease loss provision to assets | 0.2366% | 414 |
| Net operating income to assets | 1.6053% | 790 |
| Return on assets (ROA) | 1.5965% | 852 |
| Pretax return on assets | 2.1541% | 453 |
| Return on Equity (ROE) | 18.2727% | 439 |
| Retained earnings to average equity (ytd only) | 18.2727% | 88 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5078% | 3,755 |
| Assets per employee ($millions) | 5.6708% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 600 |
| Loan loss allowance to noncurrent loans | 701.0331% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,612 |
| Noncurrent loans to loans | 0.2858% | 2,573 |
| Net loans and leases to total assets | 65.0293% | 1,581 |
| Net loans and leases to deposits | 71.5382% | 1,958 |
| Net loans and leases to core deposits | 73.9479% | 2,077 |
| Total domestic deposits to total assets | 90.9015% | 525 |
| Equity capital to assets | 8.4119% | 4,107 |
| Core capital (leverage) ratio | 8.6928% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1192% | 2,587 |
| Memoranda: | ||
| Average total assets | $223,992,000 | 2,879 |
| Average earning assets | $207,973,800 | 2,895 |
| Average equity | $19,570,200 | 3,251 |
| Average total loans | $161,479,200 | 2,530 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 1,071 |
| Cost of funding earning assets | 0.3967% | 1,717 |
| Net interest margin | 3.8292% | 1,061 |
| Noninterest income to average assets | 2.3688% | 260 |
| Noninterest expense to average assets | 3.1243% | 784 |
| Loan and lease loss provision to assets | 0.3270% | 230 |
| Net operating income to assets | 1.7539% | 737 |
| Return on assets (ROA) | 1.7539% | 769 |
| Pretax return on assets | 2.4718% | 351 |
| Return on Equity (ROE) | 19.8568% | 436 |
| Retained earnings to average equity (ytd only) | 19.8568% | 136 |
| Net charge-offs to loans | -0.0017% | 3,187 |
| Credit loss provision to net charge-offs | -26,500.0000% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7489% | 3,948 |
| Assets per employee ($millions) | 5.5095% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9315% | 729 |
| Loan loss allowance to noncurrent loans | 1,564.9770% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,500 |
| Noncurrent loans to loans | 0.1234% | 3,479 |
| Net loans and leases to total assets | 71.1277% | 970 |
| Net loans and leases to deposits | 78.9401% | 1,393 |
| Net loans and leases to core deposits | 81.4536% | 1,614 |
| Total domestic deposits to total assets | 90.1034% | 730 |
| Equity capital to assets | 8.6071% | 4,128 |
| Core capital (leverage) ratio | 9.0508% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5019% | 2,864 |
| Memoranda: | ||
| Average total assets | $216,193,750 | 2,964 |
| Average earning assets | $200,663,250 | 2,984 |
| Average equity | $19,096,250 | 3,336 |
| Average total loans | $159,514,500 | 2,584 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 850 |
| Cost of funding earning assets | 0.3998% | 1,891 |
| Net interest margin | 3.9997% | 821 |
| Noninterest income to average assets | 0.8272% | 1,461 |
| Noninterest expense to average assets | 3.2190% | 697 |
| Loan and lease loss provision to assets | 0.0482% | 2,063 |
| Net operating income to assets | 0.8657% | 3,316 |
| Return on assets (ROA) | 0.8657% | 3,390 |
| Pretax return on assets | 1.2928% | 2,652 |
| Return on Equity (ROE) | 9.7046% | 2,873 |
| Retained earnings to average equity (ytd only) | 9.7046% | 1,497 |
| Net charge-offs to loans | 0.0065% | 1,906 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 278.2000% | 392 |
| Efficiency ratio | 70.5920% | 1,570 |
| Assets per employee ($millions) | 5.0001% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8447% | 820 |
| Loan loss allowance to noncurrent loans | 755.3247% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 2,532 |
| Noncurrent loans to loans | 0.2442% | 3,074 |
| Net loans and leases to total assets | 73.6804% | 791 |
| Net loans and leases to deposits | 82.0075% | 1,221 |
| Net loans and leases to core deposits | 84.5414% | 1,525 |
| Total domestic deposits to total assets | 89.8459% | 847 |
| Equity capital to assets | 8.9994% | 3,796 |
| Core capital (leverage) ratio | 8.7973% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6130% | 2,827 |
| Memoranda: | ||
| Average total assets | $207,453,000 | 3,039 |
| Average earning assets | $193,614,000 | 3,036 |
| Average equity | $18,506,667 | 3,382 |
| Average total loans | $154,079,000 | 2,647 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 573 |
| Cost of funding earning assets | 0.4261% | 1,894 |
| Net interest margin | 4.2718% | 543 |
| Noninterest income to average assets | 0.8265% | 1,522 |
| Noninterest expense to average assets | 3.1934% | 724 |
| Loan and lease loss provision to assets | 0.0873% | 1,511 |
| Net operating income to assets | 1.0573% | 2,611 |
| Return on assets (ROA) | 1.0573% | 2,691 |
| Pretax return on assets | 1.5521% | 1,851 |
| Return on Equity (ROE) | 11.9057% | 2,051 |
| Retained earnings to average equity (ytd only) | 11.9057% | 1,169 |
| Net charge-offs to loans | 0.0131% | 1,486 |
| Credit loss provision to net charge-offs | 900.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 451 |
| Efficiency ratio | 66.0779% | 2,220 |
| Assets per employee ($millions) | 4.9626% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8490% | 795 |
| Loan loss allowance to noncurrent loans | 727.5689% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 2,708 |
| Noncurrent loans to loans | 0.2541% | 3,193 |
| Net loans and leases to total assets | 73.9347% | 824 |
| Net loans and leases to deposits | 82.0040% | 1,333 |
| Net loans and leases to core deposits | 84.6300% | 1,622 |
| Total domestic deposits to total assets | 90.1598% | 747 |
| Equity capital to assets | 8.8500% | 3,832 |
| Core capital (leverage) ratio | 8.8878% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9885% | 2,672 |
| Memoranda: | ||
| Average total assets | $206,178,000 | 3,034 |
| Average earning assets | $193,361,500 | 3,028 |
| Average equity | $18,310,500 | 3,395 |
| Average total loans | $152,299,000 | 2,664 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 1,583 |
| Cost of funding earning assets | 0.7950% | 1,234 |
| Net interest margin | 3.6093% | 2,113 |
| Noninterest income to average assets | 0.6749% | 1,936 |
| Noninterest expense to average assets | 3.1415% | 1,159 |
| Loan and lease loss provision to assets | 0.0974% | 3,124 |
| Net operating income to assets | 0.6904% | 3,464 |
| Return on assets (ROA) | 0.7246% | 3,480 |
| Pretax return on assets | 0.8256% | 3,565 |
| Return on Equity (ROE) | 8.2032% | 2,736 |
| Retained earnings to average equity (ytd only) | 5.5926% | 1,995 |
| Net charge-offs to loans | -0.0577% | 4,697 |
| Credit loss provision to net charge-offs | -226.1905% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0395% | 1,029 |
| Assets per employee ($millions) | 4.8554% | 3,541 |
| Cash dividends to net income (ytd only)* | 31.8246% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9398% | 658 |
| Loan loss allowance to noncurrent loans | 500.5245% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 2,319 |
| Noncurrent loans to loans | 0.3876% | 2,821 |
| Net loans and leases to total assets | 70.9718% | 1,428 |
| Net loans and leases to deposits | 78.7051% | 2,009 |
| Net loans and leases to core deposits | 81.5647% | 2,223 |
| Total domestic deposits to total assets | 90.1744% | 499 |
| Equity capital to assets | 8.9125% | 4,130 |
| Core capital (leverage) ratio | 8.5956% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5668% | 2,416 |
| Memoranda: | ||
| Average total assets | $195,129,600 | 2,980 |
| Average earning assets | $181,140,800 | 2,990 |
| Average equity | $17,237,200 | 3,436 |
| Average total loans | $145,591,800 | 2,701 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 1,486 |
| Cost of funding earning assets | 0.8788% | 1,141 |
| Net interest margin | 3.6609% | 2,059 |
| Noninterest income to average assets | 0.6703% | 1,901 |
| Noninterest expense to average assets | 3.2978% | 908 |
| Loan and lease loss provision to assets | 0.0793% | 3,324 |
| Net operating income to assets | 0.6369% | 3,673 |
| Return on assets (ROA) | 0.6862% | 3,605 |
| Pretax return on assets | 0.7339% | 3,815 |
| Return on Equity (ROE) | 7.7868% | 2,885 |
| Retained earnings to average equity (ytd only) | 7.7868% | 1,375 |
| Net charge-offs to loans | -0.0634% | 4,737 |
| Credit loss provision to net charge-offs | -166.6667% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2532% | 775 |
| Assets per employee ($millions) | 5.0597% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 528 |
| Loan loss allowance to noncurrent loans | 1,122.6721% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 3,192 |
| Noncurrent loans to loans | 0.1751% | 3,679 |
| Net loans and leases to total assets | 66.6488% | 2,432 |
| Net loans and leases to deposits | 74.0468% | 2,952 |
| Net loans and leases to core deposits | 77.5884% | 3,050 |
| Total domestic deposits to total assets | 90.0090% | 422 |
| Equity capital to assets | 8.8823% | 4,195 |
| Core capital (leverage) ratio | 8.5949% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6574% | 2,346 |
| Memoranda: | ||
| Average total assets | $192,930,500 | 2,979 |
| Average earning assets | $178,567,000 | 2,996 |
| Average equity | $17,002,750 | 3,460 |
| Average total loans | $145,091,500 | 2,708 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7197% | 1,364 |
| Cost of funding earning assets | 0.9614% | 1,100 |
| Net interest margin | 3.7583% | 1,960 |
| Noninterest income to average assets | 0.6582% | 1,903 |
| Noninterest expense to average assets | 3.3696% | 896 |
| Loan and lease loss provision to assets | 0.1223% | 2,809 |
| Net operating income to assets | 0.6412% | 3,607 |
| Return on assets (ROA) | 0.7220% | 3,421 |
| Pretax return on assets | 0.7220% | 3,821 |
| Return on Equity (ROE) | 8.2162% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.2162% | 1,238 |
| Net charge-offs to loans | -0.0874% | 4,820 |
| Credit loss provision to net charge-offs | -179.6875% | 3,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5282% | 788 |
| Assets per employee ($millions) | 4.6792% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 551 |
| Loan loss allowance to noncurrent loans | 615.1111% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 2,833 |
| Noncurrent loans to loans | 0.3058% | 3,289 |
| Net loans and leases to total assets | 73.4781% | 1,477 |
| Net loans and leases to deposits | 84.4479% | 1,946 |
| Net loans and leases to core deposits | 89.2226% | 2,138 |
| Total domestic deposits to total assets | 87.0100% | 1,612 |
| Equity capital to assets | 8.7260% | 4,334 |
| Core capital (leverage) ratio | 8.6735% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0252% | 2,597 |
| Memoranda: | ||
| Average total assets | $188,091,667 | 3,009 |
| Average earning assets | $173,908,667 | 3,017 |
| Average equity | $16,528,333 | 3,499 |
| Average total loans | $146,444,000 | 2,686 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 1,317 |
| Cost of funding earning assets | 1.0739% | 1,121 |
| Net interest margin | 3.7729% | 2,074 |
| Noninterest income to average assets | 0.6657% | 1,783 |
| Noninterest expense to average assets | 3.4154% | 1,046 |
| Loan and lease loss provision to assets | 0.0979% | 2,457 |
| Net operating income to assets | 0.6222% | 3,534 |
| Return on assets (ROA) | 0.7875% | 3,035 |
| Pretax return on assets | 0.7875% | 3,443 |
| Return on Equity (ROE) | 8.9284% | 2,144 |
| Retained earnings to average equity (ytd only) | 8.9284% | 993 |
| Net charge-offs to loans | -0.1232% | 4,859 |
| Credit loss provision to net charge-offs | -100.0000% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5881% | 932 |
| Assets per employee ($millions) | 4.3562% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 684 |
| Loan loss allowance to noncurrent loans | 459.5197% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 2,608 |
| Noncurrent loans to loans | 0.3973% | 3,063 |
| Net loans and leases to total assets | 78.7466% | 871 |
| Net loans and leases to deposits | 87.6251% | 1,791 |
| Net loans and leases to core deposits | 95.1053% | 1,872 |
| Total domestic deposits to total assets | 89.8677% | 366 |
| Equity capital to assets | 8.9649% | 4,621 |
| Core capital (leverage) ratio | 8.8623% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2976% | 3,007 |
| Memoranda: | ||
| Average total assets | $183,873,500 | 3,011 |
| Average earning assets | $169,100,000 | 3,030 |
| Average equity | $16,218,000 | 3,542 |
| Average total loans | $146,079,500 | 2,669 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9494% | 1,613 |
| Cost of funding earning assets | 1.0978% | 1,333 |
| Net interest margin | 3.8515% | 2,329 |
| Noninterest income to average assets | 0.7237% | 1,731 |
| Noninterest expense to average assets | 3.2828% | 1,334 |
| Loan and lease loss provision to assets | 0.0086% | 3,835 |
| Net operating income to assets | 0.9539% | 3,002 |
| Return on assets (ROA) | 0.9544% | 3,084 |
| Pretax return on assets | 0.9544% | 3,591 |
| Return on Equity (ROE) | 11.1395% | 1,828 |
| Retained earnings to average equity (ytd only) | 11.1395% | 312 |
| Net charge-offs to loans | -0.3281% | 5,094 |
| Credit loss provision to net charge-offs | -3.4483% | 4,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3286% | 1,229 |
| Assets per employee ($millions) | 4.3997% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 682 |
| Loan loss allowance to noncurrent loans | 392.8680% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 2,407 |
| Noncurrent loans to loans | 0.4532% | 2,814 |
| Net loans and leases to total assets | 77.2869% | 1,208 |
| Net loans and leases to deposits | 85.6443% | 2,139 |
| Net loans and leases to core deposits | 93.4012% | 2,119 |
| Total domestic deposits to total assets | 90.2418% | 251 |
| Equity capital to assets | 8.6770% | 4,841 |
| Core capital (leverage) ratio | 8.8019% | 4,666 |
| Tier 1 risk-based capital ratio | 10.6133% | 4,985 |
| Total risk-based capital ratio | 11.8695% | 4,902 |
| Memoranda: | ||
| Average total assets | $174,239,200 | 3,071 |
| Average earning assets | $159,313,200 | 3,086 |
| Average equity | $14,928,800 | 3,643 |
| Average total loans | $132,580,000 | 2,794 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 1,645 |
| Cost of funding earning assets | 1.1008% | 1,354 |
| Net interest margin | 3.8610% | 2,397 |
| Noninterest income to average assets | 0.7397% | 1,624 |
| Noninterest expense to average assets | 3.3526% | 1,172 |
| Loan and lease loss provision to assets | 0.0117% | 3,661 |
| Net operating income to assets | 0.9044% | 3,329 |
| Return on assets (ROA) | 0.9052% | 3,398 |
| Pretax return on assets | 0.9052% | 3,863 |
| Return on Equity (ROE) | 10.6009% | 2,168 |
| Retained earnings to average equity (ytd only) | 10.6009% | 601 |
| Net charge-offs to loans | -0.4215% | 5,180 |
| Credit loss provision to net charge-offs | -3.6675% | 3,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5402% | 1,050 |
| Assets per employee ($millions) | 4.2202% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 552 |
| Loan loss allowance to noncurrent loans | 428.4281% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 2,390 |
| Noncurrent loans to loans | 0.4455% | 2,974 |
| Net loans and leases to total assets | 72.5573% | 2,074 |
| Net loans and leases to deposits | 80.8420% | 2,817 |
| Net loans and leases to core deposits | 86.2114% | 2,894 |
| Total domestic deposits to total assets | 89.7520% | 354 |
| Equity capital to assets | 8.6538% | 4,946 |
| Core capital (leverage) ratio | 9.0004% | 4,638 |
| Tier 1 risk-based capital ratio | 11.0830% | 4,871 |
| Total risk-based capital ratio | 12.3404% | 4,759 |
| Memoranda: | ||
| Average total assets | $171,602,000 | 3,129 |
| Average earning assets | $156,845,000 | 3,148 |
| Average equity | $14,652,500 | 3,701 |
| Average total loans | $129,373,500 | 2,862 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 1,531 |
| Cost of funding earning assets | 1.1054% | 1,279 |
| Net interest margin | 3.8754% | 2,324 |
| Noninterest income to average assets | 0.7284% | 1,609 |
| Noninterest expense to average assets | 3.3972% | 1,109 |
| Loan and lease loss provision to assets | 0.0178% | 3,434 |
| Net operating income to assets | 0.8460% | 3,484 |
| Return on assets (ROA) | 0.8472% | 3,541 |
| Pretax return on assets | 0.8472% | 3,979 |
| Return on Equity (ROE) | 9.9706% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.9706% | 765 |
| Net charge-offs to loans | -0.5307% | 5,230 |
| Credit loss provision to net charge-offs | -4.4248% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7267% | 989 |
| Assets per employee ($millions) | 4.2377% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 552 |
| Loan loss allowance to noncurrent loans | 426.1538% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 2,576 |
| Noncurrent loans to loans | 0.4483% | 2,925 |
| Net loans and leases to total assets | 73.6722% | 1,937 |
| Net loans and leases to deposits | 82.0093% | 2,731 |
| Net loans and leases to core deposits | 88.9427% | 2,707 |
| Total domestic deposits to total assets | 89.8339% | 382 |
| Equity capital to assets | 8.6990% | 4,956 |
| Core capital (leverage) ratio | 8.7733% | 4,795 |
| Tier 1 risk-based capital ratio | 10.9950% | 4,906 |
| Total risk-based capital ratio | 12.2523% | 4,827 |
| Memoranda: | ||
| Average total assets | $168,313,000 | 3,172 |
| Average earning assets | $153,429,000 | 3,197 |
| Average equity | $14,302,000 | 3,749 |
| Average total loans | $127,754,330 | 2,901 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8843% | 1,638 |
| Cost of funding earning assets | 1.0697% | 1,290 |
| Net interest margin | 3.8146% | 2,469 |
| Noninterest income to average assets | 0.7053% | 1,592 |
| Noninterest expense to average assets | 3.3527% | 1,191 |
| Loan and lease loss provision to assets | 0.0362% | 2,898 |
| Net operating income to assets | 0.7705% | 3,710 |
| Return on assets (ROA) | 0.7730% | 3,755 |
| Pretax return on assets | 0.7730% | 4,113 |
| Return on Equity (ROE) | 9.2113% | 2,706 |
| Retained earnings to average equity (ytd only) | 9.2113% | 1,246 |
| Net charge-offs to loans | -0.1013% | 5,032 |
| Credit loss provision to net charge-offs | -46.8750% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6039% | 998 |
| Assets per employee ($millions) | 4.3941% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 854 |
| Loan loss allowance to noncurrent loans | 277.4112% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 1,798 |
| Noncurrent loans to loans | 0.6139% | 2,494 |
| Net loans and leases to total assets | 73.6232% | 1,882 |
| Net loans and leases to deposits | 81.5555% | 2,656 |
| Net loans and leases to core deposits | 89.5914% | 2,541 |
| Total domestic deposits to total assets | 90.2737% | 363 |
| Equity capital to assets | 8.3066% | 5,080 |
| Core capital (leverage) ratio | 8.8445% | 4,757 |
| Tier 1 risk-based capital ratio | 10.6404% | 5,136 |
| Total risk-based capital ratio | 11.8950% | 5,028 |
| Memoranda: | ||
| Average total assets | $165,597,500 | 3,229 |
| Average earning assets | $149,950,500 | 3,267 |
| Average equity | $13,896,000 | 3,818 |
| Average total loans | $126,384,500 | 2,946 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 1,034 |
| Cost of funding earning assets | 0.8655% | 1,240 |
| Net interest margin | 4.1419% | 1,552 |
| Noninterest income to average assets | 0.8487% | 1,313 |
| Noninterest expense to average assets | 3.3550% | 1,218 |
| Loan and lease loss provision to assets | 0.1462% | 1,458 |
| Net operating income to assets | 1.0973% | 2,608 |
| Return on assets (ROA) | 1.0973% | 2,605 |
| Pretax return on assets | 1.0973% | 3,278 |
| Return on Equity (ROE) | 13.0839% | 1,307 |
| Retained earnings to average equity (ytd only) | 13.0839% | 226 |
| Net charge-offs to loans | 0.0327% | 2,750 |
| Credit loss provision to net charge-offs | 578.9474% | 613 |
| Earnings coverage of net charge-offs (x) | 49.2368% | 1,150 |
| Efficiency ratio | 72.9585% | 1,770 |
| Assets per employee ($millions) | 4.4396% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 803 |
| Loan loss allowance to noncurrent loans | 277.0725% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 1,684 |
| Noncurrent loans to loans | 0.6205% | 2,428 |
| Net loans and leases to total assets | 76.5062% | 1,520 |
| Net loans and leases to deposits | 85.5406% | 2,341 |
| Net loans and leases to core deposits | 94.4873% | 2,188 |
| Total domestic deposits to total assets | 89.4384% | 681 |
| Equity capital to assets | 8.4824% | 4,944 |
| Core capital (leverage) ratio | 8.7960% | 4,813 |
| Tier 1 risk-based capital ratio | 11.1619% | 4,884 |
| Total risk-based capital ratio | 12.4175% | 4,793 |
| Memoranda: | ||
| Average total assets | $150,462,800 | 3,380 |
| Average earning assets | $136,219,200 | 3,406 |
| Average equity | $12,618,600 | 3,940 |
| Average total loans | $116,064,400 | 3,044 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 959 |
| Cost of funding earning assets | 0.8166% | 1,253 |
| Net interest margin | 4.1722% | 1,438 |
| Noninterest income to average assets | 0.8749% | 1,266 |
| Noninterest expense to average assets | 3.3755% | 1,156 |
| Loan and lease loss provision to assets | 0.1215% | 1,656 |
| Net operating income to assets | 1.1351% | 2,512 |
| Return on assets (ROA) | 1.1351% | 2,530 |
| Pretax return on assets | 1.1351% | 3,261 |
| Return on Equity (ROE) | 13.5763% | 1,242 |
| Retained earnings to average equity (ytd only) | 13.5763% | 295 |
| Net charge-offs to loans | 0.0047% | 3,279 |
| Credit loss provision to net charge-offs | 3,375.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 349.2101% | 270 |
| Efficiency ratio | 72.8721% | 1,752 |
| Assets per employee ($millions) | 4.3451% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 809 |
| Loan loss allowance to noncurrent loans | 301.2987% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 1,965 |
| Noncurrent loans to loans | 0.5783% | 2,646 |
| Net loans and leases to total assets | 71.3134% | 2,444 |
| Net loans and leases to deposits | 79.1678% | 3,126 |
| Net loans and leases to core deposits | 88.5209% | 2,794 |
| Total domestic deposits to total assets | 90.0789% | 486 |
| Equity capital to assets | 7.7899% | 5,239 |
| Core capital (leverage) ratio | 8.7305% | 4,937 |
| Tier 1 risk-based capital ratio | 10.4539% | 5,251 |
| Total risk-based capital ratio | 11.7099% | 5,166 |
| Memoranda: | ||
| Average total assets | $148,122,250 | 3,443 |
| Average earning assets | $133,388,000 | 3,487 |
| Average equity | $12,384,000 | 4,004 |
| Average total loans | $113,976,750 | 3,100 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 717 |
| Cost of funding earning assets | 0.7670% | 1,297 |
| Net interest margin | 4.2942% | 1,046 |
| Noninterest income to average assets | 0.8072% | 1,453 |
| Noninterest expense to average assets | 3.4382% | 1,089 |
| Loan and lease loss provision to assets | 0.1404% | 1,392 |
| Net operating income to assets | 1.1273% | 2,488 |
| Return on assets (ROA) | 1.1273% | 2,493 |
| Pretax return on assets | 1.1273% | 3,200 |
| Return on Equity (ROE) | 13.1374% | 1,326 |
| Retained earnings to average equity (ytd only) | 13.1374% | 363 |
| Net charge-offs to loans | -0.0482% | 4,913 |
| Credit loss provision to net charge-offs | -370.3704% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0609% | 1,841 |
| Assets per employee ($millions) | 4.3199% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 752 |
| Loan loss allowance to noncurrent loans | 370.6406% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 2,076 |
| Noncurrent loans to loans | 0.4855% | 2,979 |
| Net loans and leases to total assets | 75.1857% | 1,764 |
| Net loans and leases to deposits | 83.9701% | 2,541 |
| Net loans and leases to core deposits | 96.3291% | 2,034 |
| Total domestic deposits to total assets | 89.5387% | 728 |
| Equity capital to assets | 8.2966% | 5,077 |
| Core capital (leverage) ratio | 8.9732% | 4,712 |
| Tier 1 risk-based capital ratio | 10.6098% | 5,227 |
| Total risk-based capital ratio | 11.8649% | 5,123 |
| Memoranda: | ||
| Average total assets | $142,459,000 | 3,538 |
| Average earning assets | $129,336,670 | 3,560 |
| Average equity | $12,224,670 | 4,053 |
| Average total loans | $112,024,000 | 3,142 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 1,112 |
| Cost of funding earning assets | 0.7155% | 1,365 |
| Net interest margin | 4.0695% | 1,515 |
| Noninterest income to average assets | 0.8053% | 1,435 |
| Noninterest expense to average assets | 3.4383% | 1,102 |
| Loan and lease loss provision to assets | 0.2172% | 733 |
| Net operating income to assets | 0.8400% | 3,554 |
| Return on assets (ROA) | 0.8400% | 3,569 |
| Pretax return on assets | 0.8400% | 4,053 |
| Return on Equity (ROE) | 9.6146% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.6146% | 1,281 |
| Net charge-offs to loans | -0.2324% | 5,401 |
| Credit loss provision to net charge-offs | -117.1875% | 3,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4820% | 1,527 |
| Assets per employee ($millions) | 3.9089% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 723 |
| Loan loss allowance to noncurrent loans | 251.1990% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 2,005 |
| Noncurrent loans to loans | 0.7325% | 2,378 |
| Net loans and leases to total assets | 79.4238% | 1,018 |
| Net loans and leases to deposits | 88.9750% | 1,815 |
| Net loans and leases to core deposits | 106.0922% | 1,229 |
| Total domestic deposits to total assets | 89.2653% | 977 |
| Equity capital to assets | 8.5808% | 4,916 |
| Core capital (leverage) ratio | 9.1656% | 4,482 |
| Tier 1 risk-based capital ratio | 10.3977% | 5,381 |
| Total risk-based capital ratio | 11.6536% | 5,305 |
| Memoranda: | ||
| Average total assets | $138,091,000 | 3,633 |
| Average earning assets | $125,223,000 | 3,662 |
| Average equity | $12,065,000 | 4,112 |
| Average total loans | $110,156,000 | 3,186 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 934 |
| Cost of funding earning assets | 0.5892% | 1,680 |
| Net interest margin | 4.2331% | 1,117 |
| Noninterest income to average assets | 0.7605% | 1,730 |
| Noninterest expense to average assets | 3.5772% | 925 |
| Loan and lease loss provision to assets | 0.1596% | 1,406 |
| Net operating income to assets | 0.8521% | 2,944 |
| Return on assets (ROA) | 0.8554% | 2,952 |
| Pretax return on assets | 0.8554% | 4,069 |
| Return on Equity (ROE) | 8.9841% | 2,326 |
| Retained earnings to average equity (ytd only) | 8.9841% | 511 |
| Net charge-offs to loans | -0.1094% | 5,392 |
| Credit loss provision to net charge-offs | -189.3204% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9522% | 1,361 |
| Assets per employee ($millions) | 3.7628% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 729 |
| Loan loss allowance to noncurrent loans | 403.2990% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5884% | 2,589 |
| Noncurrent loans to loans | 0.4556% | 3,144 |
| Net loans and leases to total assets | 77.1403% | 1,403 |
| Net loans and leases to deposits | 88.9077% | 1,904 |
| Net loans and leases to core deposits | 105.5047% | 1,296 |
| Total domestic deposits to total assets | 86.7645% | 2,104 |
| Equity capital to assets | 8.8992% | 4,817 |
| Core capital (leverage) ratio | 9.4441% | 4,111 |
| Tier 1 risk-based capital ratio | 10.9101% | 5,196 |
| Total risk-based capital ratio | 12.1664% | 5,077 |
| Memoranda: | ||
| Average total assets | $122,161,600 | 3,856 |
| Average earning assets | $110,486,200 | 3,904 |
| Average equity | $11,631,600 | 4,201 |
| Average total loans | $94,125,000 | 3,449 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 827 |
| Cost of funding earning assets | 0.5815% | 1,663 |
| Net interest margin | 4.2759% | 983 |
| Noninterest income to average assets | 0.7483% | 1,795 |
| Noninterest expense to average assets | 3.5914% | 881 |
| Loan and lease loss provision to assets | 0.1290% | 1,675 |
| Net operating income to assets | 0.8976% | 3,041 |
| Return on assets (ROA) | 0.9021% | 3,074 |
| Pretax return on assets | 0.9021% | 4,038 |
| Return on Equity (ROE) | 9.3007% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.3007% | 759 |
| Net charge-offs to loans | -0.0674% | 5,259 |
| Credit loss provision to net charge-offs | -250.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7697% | 1,357 |
| Assets per employee ($millions) | 3.5668% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8912% | 714 |
| Loan loss allowance to noncurrent loans | 196.9664% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 1,721 |
| Noncurrent loans to loans | 0.9602% | 2,005 |
| Net loans and leases to total assets | 75.5445% | 1,676 |
| Net loans and leases to deposits | 89.1364% | 1,912 |
| Net loans and leases to core deposits | 96.0631% | 2,065 |
| Total domestic deposits to total assets | 84.7516% | 2,817 |
| Equity capital to assets | 9.6116% | 4,333 |
| Core capital (leverage) ratio | 9.8147% | 3,802 |
| Tier 1 risk-based capital ratio | 11.8810% | 4,709 |
| Total risk-based capital ratio | 13.1374% | 4,587 |
| Memoranda: | ||
| Average total assets | $118,836,750 | 3,953 |
| Average earning assets | $107,544,750 | 4,002 |
| Average equity | $11,525,750 | 4,267 |
| Average total loans | $91,043,500 | 3,537 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 926 |
| Cost of funding earning assets | 0.5646% | 1,685 |
| Net interest margin | 4.2034% | 1,071 |
| Noninterest income to average assets | 0.7412% | 1,804 |
| Noninterest expense to average assets | 3.5588% | 922 |
| Loan and lease loss provision to assets | 0.0257% | 3,487 |
| Net operating income to assets | 0.9672% | 2,576 |
| Return on assets (ROA) | 0.9672% | 2,629 |
| Pretax return on assets | 0.9672% | 3,696 |
| Return on Equity (ROE) | 9.9402% | 2,061 |
| Retained earnings to average equity (ytd only) | 9.9402% | 599 |
| Net charge-offs to loans | -0.0828% | 5,355 |
| Credit loss provision to net charge-offs | -40.5405% | 4,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1873% | 1,436 |
| Assets per employee ($millions) | 3.5241% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 732 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 2,525 |
| Noncurrent loans to loans | 0.6726% | 2,736 |
| Net loans and leases to total assets | 74.0125% | 1,864 |
| Net loans and leases to deposits | 85.2014% | 2,325 |
| Net loans and leases to core deposits | 92.8859% | 2,258 |
| Total domestic deposits to total assets | 86.8677% | 2,003 |
| Equity capital to assets | 9.8524% | 4,085 |
| Core capital (leverage) ratio | 9.9687% | 3,575 |
| Tier 1 risk-based capital ratio | 12.3374% | 4,395 |
| Total risk-based capital ratio | 13.5937% | 4,279 |
| Memoranda: | ||
| Average total assets | $116,836,000 | 4,010 |
| Average earning assets | $105,915,330 | 4,047 |
| Average equity | $11,368,000 | 4,299 |
| Average total loans | $89,349,000 | 3,590 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 963 |
| Cost of funding earning assets | 0.5392% | 1,794 |
| Net interest margin | 4.1455% | 1,108 |
| Noninterest income to average assets | 0.6728% | 2,077 |
| Noninterest expense to average assets | 3.5268% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9051% | 2,734 |
| Return on assets (ROA) | 0.9051% | 2,790 |
| Pretax return on assets | 0.9051% | 3,752 |
| Return on Equity (ROE) | 9.3636% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.3636% | 961 |
| Net charge-offs to loans | -0.1441% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5775% | 1,427 |
| Assets per employee ($millions) | 3.5201% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 798 |
| Loan loss allowance to noncurrent loans | 317.6692% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 2,076 |
| Noncurrent loans to loans | 0.5953% | 3,033 |
| Net loans and leases to total assets | 75.4765% | 1,502 |
| Net loans and leases to deposits | 88.5579% | 1,724 |
| Net loans and leases to core deposits | 95.0778% | 1,887 |
| Total domestic deposits to total assets | 85.2284% | 2,990 |
| Equity capital to assets | 9.7700% | 4,004 |
| Core capital (leverage) ratio | 9.9842% | 3,514 |
| Tier 1 risk-based capital ratio | 12.2111% | 4,572 |
| Total risk-based capital ratio | 13.4681% | 4,467 |
| Memoranda: | ||
| Average total assets | $115,344,500 | 4,076 |
| Average earning assets | $104,594,500 | 4,114 |
| Average equity | $11,149,500 | 4,357 |
| Average total loans | $88,828,000 | 3,623 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 1,038 |
| Cost of funding earning assets | 0.5367% | 1,812 |
| Net interest margin | 4.1788% | 1,171 |
| Noninterest income to average assets | 0.6980% | 2,185 |
| Noninterest expense to average assets | 3.5482% | 1,086 |
| Loan and lease loss provision to assets | 0.0364% | 3,636 |
| Net operating income to assets | 0.9182% | 2,732 |
| Return on assets (ROA) | 0.9182% | 2,847 |
| Pretax return on assets | 0.9182% | 3,778 |
| Return on Equity (ROE) | 9.9116% | 1,994 |
| Retained earnings to average equity (ytd only) | 9.9116% | 419 |
| Net charge-offs to loans | 0.1553% | 1,715 |
| Credit loss provision to net charge-offs | 31.4961% | 3,576 |
| Earnings coverage of net charge-offs (x) | 8.2598% | 2,895 |
| Efficiency ratio | 78.7995% | 1,577 |
| Assets per employee ($millions) | 3.6944% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 841 |
| Loan loss allowance to noncurrent loans | 237.5358% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 1,801 |
| Noncurrent loans to loans | 0.7906% | 2,540 |
| Net loans and leases to total assets | 75.6442% | 1,571 |
| Net loans and leases to deposits | 88.5845% | 1,858 |
| Net loans and leases to core deposits | 96.2215% | 1,906 |
| Total domestic deposits to total assets | 85.3921% | 2,883 |
| Equity capital to assets | 9.5611% | 4,208 |
| Core capital (leverage) ratio | 9.9797% | 3,503 |
| Tier 1 risk-based capital ratio | 12.5576% | 4,352 |
| Total risk-based capital ratio | 13.8147% | 4,237 |
| Memoranda: | ||
| Average total assets | $109,886,800 | 4,166 |
| Average earning assets | $100,052,000 | 4,203 |
| Average equity | $10,180,000 | 4,542 |
| Average total loans | $81,801,600 | 3,767 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 1,211 |
| Cost of funding earning assets | 0.5378% | 1,806 |
| Net interest margin | 4.1023% | 1,378 |
| Noninterest income to average assets | 0.6990% | 2,172 |
| Noninterest expense to average assets | 3.5869% | 1,014 |
| Loan and lease loss provision to assets | 0.0245% | 3,755 |
| Net operating income to assets | 0.8290% | 3,240 |
| Return on assets (ROA) | 0.8290% | 3,369 |
| Pretax return on assets | 0.8290% | 4,218 |
| Return on Equity (ROE) | 9.0244% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.0244% | 811 |
| Net charge-offs to loans | 0.2445% | 960 |
| Credit loss provision to net charge-offs | 13.6054% | 3,340 |
| Earnings coverage of net charge-offs (x) | 4.7346% | 3,233 |
| Efficiency ratio | 80.7788% | 1,326 |
| Assets per employee ($millions) | 3.7939% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 817 |
| Loan loss allowance to noncurrent loans | 223.6188% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 1,720 |
| Noncurrent loans to loans | 0.8630% | 2,531 |
| Net loans and leases to total assets | 72.2871% | 2,146 |
| Net loans and leases to deposits | 84.9790% | 2,368 |
| Net loans and leases to core deposits | 93.3850% | 2,244 |
| Total domestic deposits to total assets | 85.0646% | 2,774 |
| Equity capital to assets | 9.7244% | 4,447 |
| Core capital (leverage) ratio | 9.9148% | 3,673 |
| Tier 1 risk-based capital ratio | 12.9022% | 4,221 |
| Total risk-based capital ratio | 14.1604% | 4,132 |
| Memoranda: | ||
| Average total assets | $108,726,750 | 4,218 |
| Average earning assets | $99,161,500 | 4,253 |
| Average equity | $9,987,500 | 4,623 |
| Average total loans | $80,179,250 | 3,820 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 1,265 |
| Cost of funding earning assets | 0.5389% | 1,785 |
| Net interest margin | 4.0612% | 1,473 |
| Noninterest income to average assets | 0.7007% | 2,139 |
| Noninterest expense to average assets | 3.6345% | 955 |
| Loan and lease loss provision to assets | 0.0374% | 3,409 |
| Net operating income to assets | 0.7605% | 3,503 |
| Return on assets (ROA) | 0.7605% | 3,643 |
| Pretax return on assets | 0.7605% | 4,421 |
| Return on Equity (ROE) | 8.4551% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.4551% | 1,025 |
| Net charge-offs to loans | 0.5320% | 396 |
| Credit loss provision to net charge-offs | 9.5238% | 2,997 |
| Earnings coverage of net charge-offs (x) | 2.0333% | 3,337 |
| Efficiency ratio | 81.9983% | 1,269 |
| Assets per employee ($millions) | 3.5953% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 871 |
| Loan loss allowance to noncurrent loans | 203.6649% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 1,676 |
| Noncurrent loans to loans | 0.9394% | 2,398 |
| Net loans and leases to total assets | 71.5746% | 2,236 |
| Net loans and leases to deposits | 82.4057% | 2,662 |
| Net loans and leases to core deposits | 90.7273% | 2,466 |
| Total domestic deposits to total assets | 86.8563% | 1,983 |
| Equity capital to assets | 9.6426% | 4,623 |
| Core capital (leverage) ratio | 9.9443% | 3,627 |
| Tier 1 risk-based capital ratio | 13.3936% | 3,969 |
| Total risk-based capital ratio | 14.6524% | 3,875 |
| Memoranda: | ||
| Average total assets | $107,030,000 | 4,288 |
| Average earning assets | $98,345,670 | 4,302 |
| Average equity | $9,627,330 | 4,718 |
| Average total loans | $78,941,000 | 3,870 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,129 |
| Cost of funding earning assets | 0.5548% | 1,661 |
| Net interest margin | 4.1047% | 1,332 |
| Noninterest income to average assets | 0.6716% | 2,162 |
| Noninterest expense to average assets | 3.7093% | 886 |
| Loan and lease loss provision to assets | 0.0763% | 2,431 |
| Net operating income to assets | 0.6411% | 4,017 |
| Return on assets (ROA) | 0.6411% | 4,137 |
| Pretax return on assets | 0.6411% | 4,700 |
| Return on Equity (ROE) | 7.4111% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.4111% | 1,703 |
| Net charge-offs to loans | -0.3035% | 5,933 |
| Credit loss provision to net charge-offs | -33.8983% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7931% | 1,177 |
| Assets per employee ($millions) | 3.4559% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3068% | 504 |
| Loan loss allowance to noncurrent loans | 92.9699% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.5821% | 564 |
| Noncurrent loans to loans | 2.4812% | 763 |
| Net loans and leases to total assets | 74.5486% | 1,643 |
| Net loans and leases to deposits | 85.2788% | 2,157 |
| Net loans and leases to core deposits | 92.2821% | 2,160 |
| Total domestic deposits to total assets | 87.4175% | 1,980 |
| Equity capital to assets | 8.9066% | 5,259 |
| Core capital (leverage) ratio | 8.7192% | 5,156 |
| Tier 1 risk-based capital ratio | 11.7403% | 5,087 |
| Total risk-based capital ratio | 13.0043% | 4,987 |
| Memoranda: | ||
| Average total assets | $104,818,500 | 4,373 |
| Average earning assets | $95,889,000 | 4,381 |
| Average equity | $9,067,500 | 4,852 |
| Average total loans | $77,747,500 | 3,927 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 1,332 |
| Cost of funding earning assets | 0.6357% | 1,149 |
| Net interest margin | 3.9641% | 1,834 |
| Noninterest income to average assets | 0.8097% | 1,749 |
| Noninterest expense to average assets | 3.6164% | 1,101 |
| Loan and lease loss provision to assets | 0.1415% | 1,678 |
| Net operating income to assets | 0.7561% | 3,543 |
| Return on assets (ROA) | 0.7922% | 3,447 |
| Pretax return on assets | 0.7200% | 4,474 |
| Return on Equity (ROE) | 9.4526% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.4526% | 545 |
| Net charge-offs to loans | 0.2499% | 1,200 |
| Credit loss provision to net charge-offs | 80.1105% | 2,947 |
| Earnings coverage of net charge-offs (x) | 4.6740% | 3,507 |
| Efficiency ratio | 81.4188% | 1,485 |
| Assets per employee ($millions) | 3.6538% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 526 |
| Loan loss allowance to noncurrent loans | 87.2500% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.5604% | 598 |
| Noncurrent loans to loans | 2.6185% | 683 |
| Net loans and leases to total assets | 70.4372% | 2,299 |
| Net loans and leases to deposits | 82.8295% | 2,494 |
| Net loans and leases to core deposits | 89.6712% | 2,437 |
| Total domestic deposits to total assets | 85.0388% | 3,072 |
| Equity capital to assets | 8.4003% | 5,627 |
| Core capital (leverage) ratio | 8.7757% | 5,135 |
| Tier 1 risk-based capital ratio | 11.8892% | 5,021 |
| Total risk-based capital ratio | 13.1526% | 4,919 |
| Memoranda: | ||
| Average total assets | $102,505,400 | 4,416 |
| Average earning assets | $93,918,600 | 4,433 |
| Average equity | $8,590,200 | 4,939 |
| Average total loans | $72,429,200 | 4,036 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 1,348 |
| Cost of funding earning assets | 0.6630% | 1,014 |
| Net interest margin | 3.9295% | 1,935 |
| Noninterest income to average assets | 0.8540% | 1,604 |
| Noninterest expense to average assets | 3.6087% | 1,102 |
| Loan and lease loss provision to assets | 0.1443% | 1,523 |
| Net operating income to assets | 0.7976% | 3,436 |
| Return on assets (ROA) | 0.8461% | 3,275 |
| Pretax return on assets | 0.7490% | 4,495 |
| Return on Equity (ROE) | 10.1026% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.1026% | 620 |
| Net charge-offs to loans | 0.1642% | 1,513 |
| Credit loss provision to net charge-offs | 125.0000% | 1,923 |
| Earnings coverage of net charge-offs (x) | 7.3182% | 2,926 |
| Efficiency ratio | 81.0309% | 1,519 |
| Assets per employee ($millions) | 4.0444% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4707% | 450 |
| Loan loss allowance to noncurrent loans | 88.4691% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 2.7228% | 596 |
| Noncurrent loans to loans | 2.7927% | 671 |
| Net loans and leases to total assets | 70.3907% | 2,336 |
| Net loans and leases to deposits | 82.0427% | 2,642 |
| Net loans and leases to core deposits | 90.8467% | 2,370 |
| Total domestic deposits to total assets | 85.7976% | 2,644 |
| Equity capital to assets | 8.7489% | 5,537 |
| Core capital (leverage) ratio | 8.7666% | 5,278 |
| Tier 1 risk-based capital ratio | 11.9113% | 5,134 |
| Total risk-based capital ratio | 13.1770% | 5,043 |
| Memoranda: | ||
| Average total assets | $101,641,500 | 4,481 |
| Average earning assets | $93,106,500 | 4,495 |
| Average equity | $8,512,500 | 5,017 |
| Average total loans | $71,441,250 | 4,096 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 1,392 |
| Cost of funding earning assets | 0.6839% | 922 |
| Net interest margin | 3.8712% | 2,072 |
| Noninterest income to average assets | 0.9232% | 1,373 |
| Noninterest expense to average assets | 3.5691% | 1,179 |
| Loan and lease loss provision to assets | 0.1375% | 1,591 |
| Net operating income to assets | 0.8977% | 2,889 |
| Return on assets (ROA) | 0.9704% | 2,644 |
| Pretax return on assets | 0.8250% | 4,228 |
| Return on Equity (ROE) | 11.7600% | 1,451 |
| Retained earnings to average equity (ytd only) | 11.7600% | 423 |
| Net charge-offs to loans | 0.3186% | 824 |
| Credit loss provision to net charge-offs | 61.9469% | 2,572 |
| Earnings coverage of net charge-offs (x) | 4.0088% | 3,101 |
| Efficiency ratio | 80.0441% | 1,755 |
| Assets per employee ($millions) | 3.9720% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4875% | 492 |
| Loan loss allowance to noncurrent loans | 71.6406% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.8633% | 600 |
| Noncurrent loans to loans | 3.4723% | 507 |
| Net loans and leases to total assets | 65.9721% | 2,952 |
| Net loans and leases to deposits | 75.0248% | 3,382 |
| Net loans and leases to core deposits | 83.8059% | 2,997 |
| Total domestic deposits to total assets | 87.9337% | 1,684 |
| Equity capital to assets | 8.2773% | 5,844 |
| Core capital (leverage) ratio | 8.6080% | 5,433 |
| Tier 1 risk-based capital ratio | 12.1739% | 5,018 |
| Total risk-based capital ratio | 13.4412% | 4,905 |
| Memoranda: | ||
| Average total assets | $101,818,670 | 4,515 |
| Average earning assets | $92,993,330 | 4,533 |
| Average equity | $8,401,330 | 5,073 |
| Average total loans | $70,930,000 | 4,136 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 887 |
| Cost of funding earning assets | 0.6998% | 849 |
| Net interest margin | 4.0860% | 1,317 |
| Noninterest income to average assets | 0.6845% | 2,232 |
| Noninterest expense to average assets | 3.5769% | 1,168 |
| Loan and lease loss provision to assets | 0.1583% | 1,284 |
| Net operating income to assets | 0.9615% | 2,438 |
| Return on assets (ROA) | 0.9615% | 2,573 |
| Pretax return on assets | 0.6687% | 4,699 |
| Return on Equity (ROE) | 11.6715% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.6715% | 617 |
| Net charge-offs to loans | 0.4982% | 504 |
| Credit loss provision to net charge-offs | 44.9438% | 2,148 |
| Earnings coverage of net charge-offs (x) | 2.3483% | 2,775 |
| Efficiency ratio | 81.2219% | 1,726 |
| Assets per employee ($millions) | 3.7163% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4398% | 579 |
| Loan loss allowance to noncurrent loans | 107.7162% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.8802% | 676 |
| Noncurrent loans to loans | 2.2650% | 1,101 |
| Net loans and leases to total assets | 68.9818% | 2,289 |
| Net loans and leases to deposits | 78.6575% | 2,722 |
| Net loans and leases to core deposits | 88.5842% | 2,262 |
| Total domestic deposits to total assets | 87.6989% | 1,986 |
| Equity capital to assets | 8.4701% | 5,760 |
| Core capital (leverage) ratio | 8.3322% | 5,692 |
| Tier 1 risk-based capital ratio | 11.9076% | 5,302 |
| Total risk-based capital ratio | 13.1783% | 5,179 |
| Memoranda: | ||
| Average total assets | $101,092,500 | 4,575 |
| Average earning assets | $92,021,500 | 4,594 |
| Average equity | $8,328,000 | 5,134 |
| Average total loans | $71,461,000 | 4,147 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 1,112 |
| Cost of funding earning assets | 0.7202% | 1,004 |
| Net interest margin | 4.0821% | 1,642 |
| Noninterest income to average assets | 0.4611% | 3,772 |
| Noninterest expense to average assets | 3.5651% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7620% | 3,557 |
| Return on assets (ROA) | 0.7784% | 3,569 |
| Pretax return on assets | 0.6193% | 4,877 |
| Return on Equity (ROE) | 10.6184% | 1,851 |
| Retained earnings to average equity (ytd only) | 10.6184% | 427 |
| Net charge-offs to loans | 1.5155% | 158 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.5482% | 4,616 |
| Efficiency ratio | 85.5358% | 1,226 |
| Assets per employee ($millions) | 4.0738% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4745% | 569 |
| Loan loss allowance to noncurrent loans | 70.8433% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 4.1622% | 396 |
| Noncurrent loans to loans | 3.4929% | 585 |
| Net loans and leases to total assets | 68.9221% | 2,410 |
| Net loans and leases to deposits | 78.1964% | 2,954 |
| Net loans and leases to core deposits | 87.8434% | 2,518 |
| Total domestic deposits to total assets | 88.1397% | 1,694 |
| Equity capital to assets | 8.0093% | 6,067 |
| Core capital (leverage) ratio | 8.1444% | 5,897 |
| Tier 1 risk-based capital ratio | 11.6187% | 5,597 |
| Total risk-based capital ratio | 12.8843% | 5,493 |
| Memoranda: | ||
| Average total assets | $103,671,200 | 4,509 |
| Average earning assets | $94,143,800 | 4,548 |
| Average equity | $7,600,000 | 5,294 |
| Average total loans | $75,220,600 | 4,017 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 1,161 |
| Cost of funding earning assets | 0.7353% | 964 |
| Net interest margin | 4.0338% | 1,776 |
| Noninterest income to average assets | 0.5455% | 3,227 |
| Noninterest expense to average assets | 3.6044% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8118% | 3,374 |
| Return on assets (ROA) | 0.8220% | 3,419 |
| Pretax return on assets | 0.6108% | 4,998 |
| Return on Equity (ROE) | 11.4731% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.4731% | 460 |
| Net charge-offs to loans | 1.7536% | 122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.4690% | 4,379 |
| Efficiency ratio | 85.7186% | 1,208 |
| Assets per employee ($millions) | 4.2691% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5902% | 585 |
| Loan loss allowance to noncurrent loans | 57.5540% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 5.0138% | 341 |
| Noncurrent loans to loans | 4.5005% | 437 |
| Net loans and leases to total assets | 70.4728% | 2,120 |
| Net loans and leases to deposits | 79.7378% | 2,731 |
| Net loans and leases to core deposits | 85.9481% | 2,675 |
| Total domestic deposits to total assets | 88.3806% | 1,564 |
| Equity capital to assets | 7.6597% | 6,269 |
| Core capital (leverage) ratio | 7.8025% | 6,169 |
| Tier 1 risk-based capital ratio | 10.9543% | 6,013 |
| Total risk-based capital ratio | 12.2211% | 5,952 |
| Memoranda: | ||
| Average total assets | $104,128,000 | 4,542 |
| Average earning assets | $94,466,500 | 4,587 |
| Average equity | $7,460,750 | 5,353 |
| Average total loans | $76,032,250 | 4,031 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 1,136 |
| Cost of funding earning assets | 0.7411% | 960 |
| Net interest margin | 4.0257% | 1,741 |
| Noninterest income to average assets | 0.6018% | 2,809 |
| Noninterest expense to average assets | 3.6834% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8846% | 2,888 |
| Return on assets (ROA) | 0.8998% | 2,903 |
| Pretax return on assets | 0.5865% | 4,995 |
| Return on Equity (ROE) | 12.8484% | 1,219 |
| Retained earnings to average equity (ytd only) | 12.8484% | 349 |
| Net charge-offs to loans | 2.1000% | 104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3714% | 4,058 |
| Efficiency ratio | 86.5739% | 1,215 |
| Assets per employee ($millions) | 4.0130% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8508% | 452 |
| Loan loss allowance to noncurrent loans | 56.0530% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 5.0326% | 356 |
| Noncurrent loans to loans | 5.0859% | 382 |
| Net loans and leases to total assets | 69.1103% | 2,221 |
| Net loans and leases to deposits | 78.2008% | 2,774 |
| Net loans and leases to core deposits | 85.2685% | 2,581 |
| Total domestic deposits to total assets | 88.3754% | 1,697 |
| Equity capital to assets | 7.3558% | 6,382 |
| Core capital (leverage) ratio | 7.5424% | 6,304 |
| Tier 1 risk-based capital ratio | 10.7569% | 6,150 |
| Total risk-based capital ratio | 12.0266% | 6,089 |
| Memoranda: | ||
| Average total assets | $104,684,670 | 4,563 |
| Average earning assets | $94,988,670 | 4,613 |
| Average equity | $7,331,670 | 5,406 |
| Average total loans | $76,668,000 | 4,021 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 1,021 |
| Cost of funding earning assets | 0.7396% | 1,021 |
| Net interest margin | 4.0718% | 1,538 |
| Noninterest income to average assets | 0.5646% | 2,955 |
| Noninterest expense to average assets | 3.6202% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2665% | 1,304 |
| Return on assets (ROA) | 1.2970% | 1,271 |
| Pretax return on assets | 0.6714% | 4,589 |
| Return on Equity (ROE) | 18.9944% | 361 |
| Retained earnings to average equity (ytd only) | 18.9944% | 144 |
| Net charge-offs to loans | 4.2368% | 34 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.2036% | 3,392 |
| Efficiency ratio | 84.9597% | 1,552 |
| Assets per employee ($millions) | 4.0366% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7214% | 606 |
| Loan loss allowance to noncurrent loans | 47.4864% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 5.7513% | 311 |
| Noncurrent loans to loans | 5.7308% | 336 |
| Net loans and leases to total assets | 71.4238% | 1,659 |
| Net loans and leases to deposits | 80.1848% | 2,269 |
| Net loans and leases to core deposits | 87.3192% | 2,163 |
| Total domestic deposits to total assets | 89.0739% | 1,608 |
| Equity capital to assets | 7.0461% | 6,437 |
| Core capital (leverage) ratio | 7.4434% | 6,358 |
| Tier 1 risk-based capital ratio | 10.2179% | 6,422 |
| Total risk-based capital ratio | 11.4871% | 6,374 |
| Memoranda: | ||
| Average total assets | $104,857,500 | 4,607 |
| Average earning assets | $95,191,500 | 4,651 |
| Average equity | $7,160,000 | 5,478 |
| Average total loans | $77,889,500 | 3,999 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 1,075 |
| Cost of funding earning assets | 0.9334% | 628 |
| Net interest margin | 3.9767% | 2,017 |
| Noninterest income to average assets | -0.0396% | 6,687 |
| Noninterest expense to average assets | 3.4650% | 1,743 |
| Loan and lease loss provision to assets | -0.3348% | 6,693 |
| Net operating income to assets | 0.3782% | 5,229 |
| Return on assets (ROA) | 0.3857% | 5,302 |
| Pretax return on assets | 0.3857% | 5,524 |
| Return on Equity (ROE) | 5.9532% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.9532% | 2,006 |
| Net charge-offs to loans | 1.2459% | 417 |
| Credit loss provision to net charge-offs | -35.3586% | 5,760 |
| Earnings coverage of net charge-offs (x) | 0.0458% | 5,077 |
| Efficiency ratio | 98.7634% | 523 |
| Assets per employee ($millions) | 4.0294% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7118% | 243 |
| Loan loss allowance to noncurrent loans | 73.0317% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 5.3539% | 415 |
| Noncurrent loans to loans | 5.0824% | 480 |
| Net loans and leases to total assets | 72.3531% | 1,630 |
| Net loans and leases to deposits | 79.3136% | 2,552 |
| Net loans and leases to core deposits | 86.9795% | 2,353 |
| Total domestic deposits to total assets | 91.2241% | 494 |
| Equity capital to assets | 6.6101% | 6,550 |
| Core capital (leverage) ratio | 6.9524% | 6,533 |
| Tier 1 risk-based capital ratio | 9.5420% | 6,598 |
| Total risk-based capital ratio | 10.8239% | 6,575 |
| Memoranda: | ||
| Average total assets | $106,031,000 | 4,590 |
| Average earning assets | $94,601,600 | 4,664 |
| Average equity | $6,870,200 | 5,604 |
| Average total loans | $80,585,800 | 3,923 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 1,049 |
| Cost of funding earning assets | 0.9678% | 583 |
| Net interest margin | 3.9712% | 2,040 |
| Noninterest income to average assets | -0.0953% | 6,808 |
| Noninterest expense to average assets | 3.4853% | 1,639 |
| Loan and lease loss provision to assets | -0.0690% | 6,576 |
| Net operating income to assets | 0.0176% | 6,271 |
| Return on assets (ROA) | 0.0276% | 6,314 |
| Pretax return on assets | 0.0276% | 6,294 |
| Return on Equity (ROE) | 0.4278% | 6,286 |
| Retained earnings to average equity (ytd only) | 0.4278% | 5,802 |
| Net charge-offs to loans | 1.4575% | 328 |
| Credit loss provision to net charge-offs | -6.2077% | 5,593 |
| Earnings coverage of net charge-offs (x) | -0.0463% | 4,869 |
| Efficiency ratio | 101.4969% | 417 |
| Assets per employee ($millions) | 4.1458% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2737% | 197 |
| Loan loss allowance to noncurrent loans | 46.4534% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 8.6612% | 193 |
| Noncurrent loans to loans | 9.2000% | 165 |
| Net loans and leases to total assets | 72.1803% | 1,574 |
| Net loans and leases to deposits | 79.1075% | 2,522 |
| Net loans and leases to core deposits | 86.8322% | 2,303 |
| Total domestic deposits to total assets | 91.2433% | 444 |
| Equity capital to assets | 6.3611% | 6,658 |
| Core capital (leverage) ratio | 6.5624% | 6,657 |
| Tier 1 risk-based capital ratio | 9.1582% | 6,712 |
| Total risk-based capital ratio | 10.4470% | 6,705 |
| Memoranda: | ||
| Average total assets | $106,347,750 | 4,630 |
| Average earning assets | $94,511,750 | 4,711 |
| Average equity | $6,856,500 | 5,680 |
| Average total loans | $81,051,750 | 3,936 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 1,070 |
| Cost of funding earning assets | 0.9946% | 558 |
| Net interest margin | 3.9171% | 2,156 |
| Noninterest income to average assets | -0.0858% | 6,846 |
| Noninterest expense to average assets | 3.4705% | 1,675 |
| Loan and lease loss provision to assets | -0.1026% | 6,716 |
| Net operating income to assets | 0.0056% | 6,296 |
| Return on assets (ROA) | 0.0205% | 6,349 |
| Pretax return on assets | 0.0205% | 6,329 |
| Return on Equity (ROE) | 0.3168% | 6,337 |
| Retained earnings to average equity (ytd only) | 0.3168% | 5,768 |
| Net charge-offs to loans | 2.0434% | 222 |
| Credit loss provision to net charge-offs | -6.5632% | 5,442 |
| Earnings coverage of net charge-offs (x) | -0.0621% | 4,570 |
| Efficiency ratio | 102.8745% | 401 |
| Assets per employee ($millions) | 4.0859% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2465% | 211 |
| Loan loss allowance to noncurrent loans | 43.2160% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 9.2391% | 179 |
| Noncurrent loans to loans | 9.8263% | 163 |
| Net loans and leases to total assets | 71.9334% | 1,586 |
| Net loans and leases to deposits | 78.7885% | 2,485 |
| Net loans and leases to core deposits | 86.5297% | 2,289 |
| Total domestic deposits to total assets | 91.2993% | 446 |
| Equity capital to assets | 6.2052% | 6,726 |
| Core capital (leverage) ratio | 6.3956% | 6,711 |
| Tier 1 risk-based capital ratio | 8.6943% | 6,775 |
| Total risk-based capital ratio | 9.9813% | 6,778 |
| Memoranda: | ||
| Average total assets | $107,248,330 | 4,633 |
| Average earning assets | $94,712,670 | 4,738 |
| Average equity | $6,944,330 | 5,699 |
| Average total loans | $82,018,330 | 3,926 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 1,203 |
| Cost of funding earning assets | 1.0139% | 569 |
| Net interest margin | 3.8324% | 2,342 |
| Noninterest income to average assets | 0.3230% | 5,117 |
| Noninterest expense to average assets | 3.5265% | 1,566 |
| Loan and lease loss provision to assets | 0.1670% | 2,189 |
| Net operating income to assets | 0.0111% | 6,324 |
| Return on assets (ROA) | 0.0111% | 6,401 |
| Pretax return on assets | 0.0111% | 6,394 |
| Return on Equity (ROE) | 0.1685% | 6,393 |
| Retained earnings to average equity (ytd only) | 0.1685% | 5,726 |
| Net charge-offs to loans | 1.2030% | 485 |
| Credit loss provision to net charge-offs | 18.0000% | 3,064 |
| Earnings coverage of net charge-offs (x) | 0.1920% | 3,753 |
| Efficiency ratio | 95.1904% | 766 |
| Assets per employee ($millions) | 4.5066% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9307% | 146 |
| Loan loss allowance to noncurrent loans | 43.3294% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 10.6556% | 168 |
| Noncurrent loans to loans | 11.3795% | 157 |
| Net loans and leases to total assets | 72.6615% | 1,253 |
| Net loans and leases to deposits | 79.8598% | 2,094 |
| Net loans and leases to core deposits | 88.8113% | 1,826 |
| Total domestic deposits to total assets | 90.9864% | 526 |
| Equity capital to assets | 6.5431% | 6,785 |
| Core capital (leverage) ratio | 6.3832% | 6,763 |
| Tier 1 risk-based capital ratio | 8.5441% | 6,837 |
| Total risk-based capital ratio | 9.8411% | 6,839 |
| Memoranda: | ||
| Average total assets | $107,756,000 | 4,658 |
| Average earning assets | $95,083,000 | 4,765 |
| Average equity | $7,120,500 | 5,713 |
| Average total loans | $83,124,500 | 3,920 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 1,078 |
| Cost of funding earning assets | 1.1514% | 728 |
| Net interest margin | 4.0713% | 2,116 |
| Noninterest income to average assets | 0.2414% | 5,723 |
| Noninterest expense to average assets | 3.5356% | 1,744 |
| Loan and lease loss provision to assets | 0.5019% | 1,184 |
| Net operating income to assets | -0.1705% | 6,353 |
| Return on assets (ROA) | 0.0363% | 6,252 |
| Pretax return on assets | 0.0363% | 6,239 |
| Return on Equity (ROE) | 0.5794% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.5794% | 5,561 |
| Net charge-offs to loans | 2.7394% | 204 |
| Credit loss provision to net charge-offs | 23.0984% | 5,240 |
| Earnings coverage of net charge-offs (x) | 0.1525% | 5,416 |
| Efficiency ratio | 91.4299% | 958 |
| Assets per employee ($millions) | 3.9760% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1231% | 122 |
| Loan loss allowance to noncurrent loans | 41.4802% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 11.6373% | 154 |
| Noncurrent loans to loans | 12.3506% | 141 |
| Net loans and leases to total assets | 73.8694% | 1,212 |
| Net loans and leases to deposits | 81.3586% | 2,098 |
| Net loans and leases to core deposits | 88.7880% | 1,997 |
| Total domestic deposits to total assets | 90.7949% | 570 |
| Equity capital to assets | 6.6733% | 6,822 |
| Core capital (leverage) ratio | 6.0705% | 6,850 |
| Tier 1 risk-based capital ratio | 8.4831% | 6,891 |
| Total risk-based capital ratio | 9.7823% | 6,890 |
| Memoranda: | ||
| Average total assets | $115,569,000 | 4,450 |
| Average earning assets | $102,916,600 | 4,515 |
| Average equity | $7,249,400 | 5,695 |
| Average total loans | $91,662,400 | 3,703 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 1,190 |
| Cost of funding earning assets | 1.1651% | 810 |
| Net interest margin | 4.0371% | 2,351 |
| Noninterest income to average assets | 0.2018% | 6,087 |
| Noninterest expense to average assets | 3.4743% | 1,818 |
| Loan and lease loss provision to assets | 0.4421% | 1,428 |
| Net operating income to assets | -0.1088% | 6,412 |
| Return on assets (ROA) | 0.0453% | 6,352 |
| Pretax return on assets | 0.0453% | 6,345 |
| Return on Equity (ROE) | 0.7335% | 6,295 |
| Retained earnings to average equity (ytd only) | 0.7335% | 5,859 |
| Net charge-offs to loans | 3.4385% | 135 |
| Credit loss provision to net charge-offs | 16.1424% | 5,008 |
| Earnings coverage of net charge-offs (x) | 0.1217% | 5,276 |
| Efficiency ratio | 91.2474% | 944 |
| Assets per employee ($millions) | 4.2676% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6882% | 185 |
| Loan loss allowance to noncurrent loans | 50.6717% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 9.5291% | 267 |
| Noncurrent loans to loans | 9.2520% | 290 |
| Net loans and leases to total assets | 73.8748% | 1,260 |
| Net loans and leases to deposits | 81.3858% | 2,200 |
| Net loans and leases to core deposits | 88.9543% | 2,110 |
| Total domestic deposits to total assets | 90.7712% | 491 |
| Equity capital to assets | 6.4152% | 6,955 |
| Core capital (leverage) ratio | 5.9901% | 6,949 |
| Tier 1 risk-based capital ratio | 7.9638% | 6,995 |
| Total risk-based capital ratio | 9.2576% | 6,994 |
| Memoranda: | ||
| Average total assets | $117,623,000 | 4,454 |
| Average earning assets | $105,056,250 | 4,513 |
| Average equity | $7,270,750 | 5,753 |
| Average total loans | $93,682,250 | 3,702 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2297% | 1,183 |
| Cost of funding earning assets | 1.1945% | 838 |
| Net interest margin | 4.0352% | 2,362 |
| Noninterest income to average assets | 0.0642% | 6,810 |
| Noninterest expense to average assets | 3.4098% | 2,005 |
| Loan and lease loss provision to assets | 0.4053% | 1,620 |
| Net operating income to assets | -0.1452% | 6,481 |
| Return on assets (ROA) | 0.0405% | 6,410 |
| Pretax return on assets | 0.0405% | 6,402 |
| Return on Equity (ROE) | 0.6639% | 6,357 |
| Retained earnings to average equity (ytd only) | 0.6639% | 5,795 |
| Net charge-offs to loans | 4.2821% | 98 |
| Credit loss provision to net charge-offs | 11.7820% | 4,721 |
| Earnings coverage of net charge-offs (x) | 0.0756% | 5,043 |
| Efficiency ratio | 92.9130% | 871 |
| Assets per employee ($millions) | 4.2666% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8632% | 182 |
| Loan loss allowance to noncurrent loans | 43.2716% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 10.9083% | 218 |
| Noncurrent loans to loans | 11.2389% | 201 |
| Net loans and leases to total assets | 74.9742% | 1,105 |
| Net loans and leases to deposits | 82.3855% | 2,067 |
| Net loans and leases to core deposits | 90.1752% | 1,964 |
| Total domestic deposits to total assets | 91.0041% | 445 |
| Equity capital to assets | 6.3179% | 7,002 |
| Core capital (leverage) ratio | 5.8842% | 7,001 |
| Tier 1 risk-based capital ratio | 7.8689% | 7,048 |
| Total risk-based capital ratio | 9.1650% | 7,047 |
| Memoranda: | ||
| Average total assets | $118,422,000 | 4,457 |
| Average earning assets | $105,818,670 | 4,513 |
| Average equity | $7,230,330 | 5,777 |
| Average total loans | $95,139,670 | 3,688 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 1,065 |
| Cost of funding earning assets | 1.2181% | 906 |
| Net interest margin | 4.0976% | 2,095 |
| Noninterest income to average assets | 0.0100% | 7,073 |
| Noninterest expense to average assets | 3.3657% | 2,106 |
| Loan and lease loss provision to assets | 0.4832% | 1,262 |
| Net operating income to assets | -0.1733% | 6,604 |
| Return on assets (ROA) | 0.0666% | 6,421 |
| Pretax return on assets | 0.0666% | 6,430 |
| Return on Equity (ROE) | 1.1101% | 6,325 |
| Retained earnings to average equity (ytd only) | 1.1101% | 5,639 |
| Net charge-offs to loans | 5.9475% | 65 |
| Credit loss provision to net charge-offs | 10.0207% | 3,904 |
| Earnings coverage of net charge-offs (x) | 0.0643% | 4,337 |
| Efficiency ratio | 91.5684% | 973 |
| Assets per employee ($millions) | 4.5768% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2969% | 135 |
| Loan loss allowance to noncurrent loans | 43.5565% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 12.0565% | 203 |
| Noncurrent loans to loans | 12.1609% | 198 |
| Net loans and leases to total assets | 73.7861% | 1,099 |
| Net loans and leases to deposits | 80.5504% | 2,138 |
| Net loans and leases to core deposits | 88.9758% | 1,955 |
| Total domestic deposits to total assets | 91.6024% | 348 |
| Equity capital to assets | 6.0623% | 7,069 |
| Core capital (leverage) ratio | 5.6917% | 7,070 |
| Tier 1 risk-based capital ratio | 7.6994% | 7,101 |
| Total risk-based capital ratio | 9.0007% | 7,101 |
| Memoranda: | ||
| Average total assets | $120,034,500 | 4,449 |
| Average earning assets | $107,380,500 | 4,503 |
| Average equity | $7,206,500 | 5,809 |
| Average total loans | $97,318,000 | 3,653 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5944% | 970 |
| Cost of funding earning assets | 1.3096% | 1,438 |
| Net interest margin | 4.2848% | 1,752 |
| Noninterest income to average assets | 0.2953% | 5,417 |
| Noninterest expense to average assets | 3.4217% | 2,187 |
| Loan and lease loss provision to assets | 0.4375% | 2,408 |
| Net operating income to assets | 0.2726% | 5,361 |
| Return on assets (ROA) | 0.3812% | 5,118 |
| Pretax return on assets | 0.3812% | 5,348 |
| Return on Equity (ROE) | 7.0708% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.0708% | 1,468 |
| Net charge-offs to loans | 1.8412% | 789 |
| Credit loss provision to net charge-offs | 27.9860% | 5,810 |
| Earnings coverage of net charge-offs (x) | 0.4543% | 5,477 |
| Efficiency ratio | 82.8134% | 1,914 |
| Assets per employee ($millions) | 4.4841% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0959% | 86 |
| Loan loss allowance to noncurrent loans | 50.5286% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 12.5108% | 188 |
| Noncurrent loans to loans | 12.0642% | 219 |
| Net loans and leases to total assets | 79.0511% | 603 |
| Net loans and leases to deposits | 86.2094% | 1,641 |
| Net loans and leases to core deposits | 96.5655% | 1,447 |
| Total domestic deposits to total assets | 91.6966% | 282 |
| Equity capital to assets | 5.9461% | 7,097 |
| Core capital (leverage) ratio | 5.6009% | 7,089 |
| Tier 1 risk-based capital ratio | 7.0305% | 7,154 |
| Total risk-based capital ratio | 8.3439% | 7,152 |
| Memoranda: | ||
| Average total assets | $128,005,400 | 4,215 |
| Average earning assets | $114,615,200 | 4,269 |
| Average equity | $6,901,600 | 5,889 |
| Average total loans | $108,680,200 | 3,412 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6273% | 976 |
| Cost of funding earning assets | 1.3380% | 1,512 |
| Net interest margin | 4.2894% | 1,758 |
| Noninterest income to average assets | 0.3813% | 4,800 |
| Noninterest expense to average assets | 3.3173% | 2,440 |
| Loan and lease loss provision to assets | 0.5344% | 1,846 |
| Net operating income to assets | 0.3546% | 5,189 |
| Return on assets (ROA) | 0.4974% | 4,748 |
| Pretax return on assets | 0.4974% | 5,172 |
| Return on Equity (ROE) | 9.4521% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.4521% | 997 |
| Net charge-offs to loans | 0.9664% | 1,663 |
| Credit loss provision to net charge-offs | 65.0000% | 4,628 |
| Earnings coverage of net charge-offs (x) | 1.0812% | 4,822 |
| Efficiency ratio | 78.8664% | 2,421 |
| Assets per employee ($millions) | 4.9736% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9795% | 46 |
| Loan loss allowance to noncurrent loans | 56.6316% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 12.3581% | 213 |
| Noncurrent loans to loans | 12.3244% | 222 |
| Net loans and leases to total assets | 79.0397% | 601 |
| Net loans and leases to deposits | 86.5924% | 1,611 |
| Net loans and leases to core deposits | 97.6375% | 1,453 |
| Total domestic deposits to total assets | 91.2779% | 353 |
| Equity capital to assets | 5.8219% | 7,205 |
| Core capital (leverage) ratio | 5.3932% | 7,197 |
| Tier 1 risk-based capital ratio | 6.9674% | 7,247 |
| Total risk-based capital ratio | 8.2940% | 7,242 |
| Memoranda: | ||
| Average total assets | $129,739,000 | 4,204 |
| Average earning assets | $115,694,250 | 4,261 |
| Average equity | $6,827,250 | 5,956 |
| Average total loans | $110,370,000 | 3,403 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5621% | 1,142 |
| Cost of funding earning assets | 1.3533% | 1,633 |
| Net interest margin | 4.2089% | 2,000 |
| Noninterest income to average assets | 0.4501% | 4,285 |
| Noninterest expense to average assets | 3.2371% | 2,782 |
| Loan and lease loss provision to assets | 0.6158% | 1,553 |
| Net operating income to assets | 0.3756% | 5,051 |
| Return on assets (ROA) | 0.3756% | 5,196 |
| Pretax return on assets | 0.3756% | 5,468 |
| Return on Equity (ROE) | 7.3842% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.3842% | 1,700 |
| Net charge-offs to loans | 0.8469% | 1,810 |
| Credit loss provision to net charge-offs | 85.4430% | 3,604 |
| Earnings coverage of net charge-offs (x) | 1.3755% | 4,250 |
| Efficiency ratio | 76.5552% | 2,927 |
| Assets per employee ($millions) | 5.0083% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9720% | 54 |
| Loan loss allowance to noncurrent loans | 55.0643% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 11.9617% | 264 |
| Noncurrent loans to loans | 12.6616% | 221 |
| Net loans and leases to total assets | 77.7124% | 813 |
| Net loans and leases to deposits | 84.3297% | 2,058 |
| Net loans and leases to core deposits | 97.1767% | 1,566 |
| Total domestic deposits to total assets | 92.1530% | 210 |
| Equity capital to assets | 5.3780% | 7,304 |
| Core capital (leverage) ratio | 5.0967% | 7,294 |
| Tier 1 risk-based capital ratio | 6.5195% | 7,336 |
| Total risk-based capital ratio | 7.8452% | 7,338 |
| Memoranda: | ||
| Average total assets | $131,538,670 | 4,192 |
| Average earning assets | $118,084,000 | 4,230 |
| Average equity | $6,690,000 | 6,020 |
| Average total loans | $111,942,670 | 3,413 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 1,359 |
| Cost of funding earning assets | 1.3779% | 1,725 |
| Net interest margin | 4.1001% | 2,270 |
| Noninterest income to average assets | 0.4206% | 4,537 |
| Noninterest expense to average assets | 3.2799% | 2,620 |
| Loan and lease loss provision to assets | 0.5446% | 1,589 |
| Net operating income to assets | 0.2965% | 5,429 |
| Return on assets (ROA) | 0.2965% | 5,495 |
| Pretax return on assets | 0.2965% | 5,664 |
| Return on Equity (ROE) | 5.9998% | 3,901 |
| Retained earnings to average equity (ytd only) | 5.9998% | 2,632 |
| Net charge-offs to loans | 0.9689% | 1,387 |
| Credit loss provision to net charge-offs | 65.4545% | 3,448 |
| Earnings coverage of net charge-offs (x) | 1.0109% | 3,901 |
| Efficiency ratio | 79.5888% | 2,604 |
| Assets per employee ($millions) | 4.8332% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7779% | 67 |
| Loan loss allowance to noncurrent loans | 55.4993% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 11.5420% | 295 |
| Noncurrent loans to loans | 12.2126% | 264 |
| Net loans and leases to total assets | 79.6685% | 545 |
| Net loans and leases to deposits | 86.0281% | 1,723 |
| Net loans and leases to core deposits | 101.5273% | 1,235 |
| Total domestic deposits to total assets | 92.6075% | 172 |
| Equity capital to assets | 5.0683% | 7,372 |
| Core capital (leverage) ratio | 4.9130% | 7,370 |
| Tier 1 risk-based capital ratio | 5.9733% | 7,424 |
| Total risk-based capital ratio | 7.2930% | 7,425 |
| Memoranda: | ||
| Average total assets | $132,200,000 | 4,204 |
| Average earning assets | $119,314,500 | 4,234 |
| Average equity | $6,533,500 | 6,082 |
| Average total loans | $113,525,000 | 3,400 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 1,645 |
| Cost of funding earning assets | 1.6587% | 1,784 |
| Net interest margin | 4.0204% | 2,921 |
| Noninterest income to average assets | 0.3746% | 5,100 |
| Noninterest expense to average assets | 3.2610% | 2,865 |
| Loan and lease loss provision to assets | 4.3426% | 132 |
| Net operating income to assets | -3.6851% | 7,399 |
| Return on assets (ROA) | -3.9804% | 7,446 |
| Pretax return on assets | -3.9804% | 7,434 |
| Return on Equity (ROE) | -50.0274% | 7,423 |
| Retained earnings to average equity (ytd only) | -50.0274% | 7,419 |
| Net charge-offs to loans | 0.7808% | 2,683 |
| Credit loss provision to net charge-offs | 662.5971% | 320 |
| Earnings coverage of net charge-offs (x) | 1.0033% | 5,110 |
| Efficiency ratio | 83.2189% | 2,029 |
| Assets per employee ($millions) | 4.6173% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6253% | 72 |
| Loan loss allowance to noncurrent loans | 61.7507% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 10.3388% | 386 |
| Noncurrent loans to loans | 10.7292% | 370 |
| Net loans and leases to total assets | 80.5598% | 590 |
| Net loans and leases to deposits | 87.5791% | 1,849 |
| Net loans and leases to core deposits | 116.4912% | 626 |
| Total domestic deposits to total assets | 91.9852% | 290 |
| Equity capital to assets | 4.8192% | 7,445 |
| Core capital (leverage) ratio | 4.5456% | 7,456 |
| Tier 1 risk-based capital ratio | 5.7302% | 7,493 |
| Total risk-based capital ratio | 7.0497% | 7,493 |
| Memoranda: | ||
| Average total assets | $137,473,800 | 4,105 |
| Average earning assets | $121,181,400 | 4,205 |
| Average equity | $10,938,000 | 4,879 |
| Average total loans | $115,393,400 | 3,415 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7734% | 1,476 |
| Cost of funding earning assets | 1.7113% | 1,813 |
| Net interest margin | 4.0621% | 2,801 |
| Noninterest income to average assets | 0.3671% | 5,217 |
| Noninterest expense to average assets | 3.0835% | 3,409 |
| Loan and lease loss provision to assets | 0.8383% | 1,814 |
| Net operating income to assets | 0.0019% | 5,996 |
| Return on assets (ROA) | 0.0019% | 6,120 |
| Pretax return on assets | 0.0019% | 6,083 |
| Return on Equity (ROE) | 0.0221% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.0221% | 5,771 |
| Net charge-offs to loans | 0.6495% | 2,808 |
| Credit loss provision to net charge-offs | 154.8043% | 2,479 |
| Earnings coverage of net charge-offs (x) | 1.5516% | 4,561 |
| Efficiency ratio | 78.5855% | 2,545 |
| Assets per employee ($millions) | 4.4293% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4789% | 1,358 |
| Loan loss allowance to noncurrent loans | 31.3292% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 7.7066% | 666 |
| Noncurrent loans to loans | 7.9123% | 660 |
| Net loans and leases to total assets | 80.2725% | 701 |
| Net loans and leases to deposits | 90.4556% | 1,658 |
| Net loans and leases to core deposits | 107.2732% | 1,211 |
| Total domestic deposits to total assets | 88.7425% | 1,536 |
| Equity capital to assets | 8.5575% | 6,211 |
| Core capital (leverage) ratio | 8.2727% | 5,923 |
| Tier 1 risk-based capital ratio | 9.6036% | 7,223 |
| Total risk-based capital ratio | 10.8670% | 7,211 |
| Memoranda: | ||
| Average total assets | $138,366,500 | 4,140 |
| Average earning assets | $121,150,000 | 4,257 |
| Average equity | $12,059,250 | 4,660 |
| Average total loans | $115,360,250 | 3,468 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 1,356 |
| Cost of funding earning assets | 1.7694% | 1,773 |
| Net interest margin | 4.0572% | 2,763 |
| Noninterest income to average assets | 0.3250% | 5,553 |
| Noninterest expense to average assets | 3.1477% | 3,105 |
| Loan and lease loss provision to assets | 0.7068% | 2,060 |
| Net operating income to assets | 0.0058% | 6,075 |
| Return on assets (ROA) | 0.0058% | 6,177 |
| Pretax return on assets | 0.0058% | 6,145 |
| Return on Equity (ROE) | 0.0665% | 6,178 |
| Retained earnings to average equity (ytd only) | 0.0665% | 5,713 |
| Net charge-offs to loans | 0.8580% | 2,115 |
| Credit loss provision to net charge-offs | 98.3773% | 4,170 |
| Earnings coverage of net charge-offs (x) | 0.9919% | 4,792 |
| Efficiency ratio | 81.5402% | 2,229 |
| Assets per employee ($millions) | 4.5849% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2244% | 1,713 |
| Loan loss allowance to noncurrent loans | 36.3893% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 6.3498% | 903 |
| Noncurrent loans to loans | 6.1128% | 1,037 |
| Net loans and leases to total assets | 82.3210% | 505 |
| Net loans and leases to deposits | 92.9021% | 1,402 |
| Net loans and leases to core deposits | 105.3832% | 1,500 |
| Total domestic deposits to total assets | 88.6104% | 1,672 |
| Equity capital to assets | 8.8173% | 5,725 |
| Core capital (leverage) ratio | 8.5981% | 5,239 |
| Tier 1 risk-based capital ratio | 9.7207% | 7,179 |
| Total risk-based capital ratio | 10.9810% | 7,163 |
| Memoranda: | ||
| Average total assets | $137,243,330 | 4,190 |
| Average earning assets | $119,589,000 | 4,324 |
| Average equity | $12,036,000 | 4,669 |
| Average total loans | $114,924,670 | 3,512 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8706% | 1,270 |
| Cost of funding earning assets | 1.8235% | 1,780 |
| Net interest margin | 4.0470% | 2,663 |
| Noninterest income to average assets | 0.5223% | 3,874 |
| Noninterest expense to average assets | 3.2679% | 2,645 |
| Loan and lease loss provision to assets | 0.7294% | 1,746 |
| Net operating income to assets | 0.0088% | 6,266 |
| Return on assets (ROA) | 0.0088% | 6,379 |
| Pretax return on assets | 0.0088% | 6,335 |
| Return on Equity (ROE) | 0.1001% | 6,378 |
| Retained earnings to average equity (ytd only) | 0.1001% | 5,782 |
| Net charge-offs to loans | 0.3913% | 2,873 |
| Credit loss provision to net charge-offs | 223.2143% | 1,694 |
| Earnings coverage of net charge-offs (x) | 2.2589% | 3,410 |
| Efficiency ratio | 81.5732% | 2,341 |
| Assets per employee ($millions) | 4.2619% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4000% | 1,420 |
| Loan loss allowance to noncurrent loans | 37.9037% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 6.7583% | 818 |
| Noncurrent loans to loans | 6.3317% | 1,000 |
| Net loans and leases to total assets | 81.1968% | 686 |
| Net loans and leases to deposits | 91.3981% | 1,695 |
| Net loans and leases to core deposits | 105.7902% | 1,595 |
| Total domestic deposits to total assets | 88.8386% | 1,600 |
| Equity capital to assets | 8.7967% | 5,560 |
| Core capital (leverage) ratio | 8.7176% | 4,992 |
| Tier 1 risk-based capital ratio | 9.7824% | 7,159 |
| Total risk-based capital ratio | 11.0448% | 7,155 |
| Memoranda: | ||
| Average total assets | $137,091,500 | 4,247 |
| Average earning assets | $118,012,000 | 4,422 |
| Average equity | $11,990,000 | 4,721 |
| Average total loans | $114,484,000 | 3,586 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1060% | 1,501 |
| Cost of funding earning assets | 2.3458% | 1,471 |
| Net interest margin | 3.7601% | 3,871 |
| Noninterest income to average assets | 0.5344% | 4,145 |
| Noninterest expense to average assets | 3.1155% | 3,669 |
| Loan and lease loss provision to assets | 1.0155% | 2,249 |
| Net operating income to assets | -0.2424% | 5,889 |
| Return on assets (ROA) | 0.0259% | 5,459 |
| Pretax return on assets | 0.0259% | 5,373 |
| Return on Equity (ROE) | 0.2941% | 5,443 |
| Retained earnings to average equity (ytd only) | 0.2941% | 4,744 |
| Net charge-offs to loans | 0.6727% | 3,166 |
| Credit loss provision to net charge-offs | 184.3876% | 2,220 |
| Earnings coverage of net charge-offs (x) | 1.4038% | 4,726 |
| Efficiency ratio | 80.1182% | 2,874 |
| Assets per employee ($millions) | 4.1758% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2371% | 1,581 |
| Loan loss allowance to noncurrent loans | 46.4748% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 5.3403% | 1,104 |
| Noncurrent loans to loans | 4.8135% | 1,429 |
| Net loans and leases to total assets | 81.9466% | 689 |
| Net loans and leases to deposits | 94.4394% | 1,542 |
| Net loans and leases to core deposits | 140.3340% | 798 |
| Total domestic deposits to total assets | 86.7716% | 2,625 |
| Equity capital to assets | 8.6958% | 5,591 |
| Core capital (leverage) ratio | 8.5515% | 5,192 |
| Tier 1 risk-based capital ratio | 9.3156% | 7,324 |
| Total risk-based capital ratio | 10.5747% | 7,303 |
| Memoranda: | ||
| Average total assets | $134,907,400 | 4,241 |
| Average earning assets | $120,341,000 | 4,306 |
| Average equity | $11,902,600 | 4,771 |
| Average total loans | $110,453,000 | 3,683 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0513% | 1,834 |
| Cost of funding earning assets | 2.4577% | 1,419 |
| Net interest margin | 3.5935% | 4,500 |
| Noninterest income to average assets | 0.5326% | 4,215 |
| Noninterest expense to average assets | 3.1608% | 3,432 |
| Loan and lease loss provision to assets | 0.4769% | 3,526 |
| Net operating income to assets | 0.1361% | 5,364 |
| Return on assets (ROA) | 0.0099% | 5,746 |
| Pretax return on assets | 0.0099% | 5,683 |
| Return on Equity (ROE) | 0.1122% | 5,740 |
| Retained earnings to average equity (ytd only) | 0.1122% | 5,155 |
| Net charge-offs to loans | 0.6069% | 2,857 |
| Credit loss provision to net charge-offs | 96.5795% | 5,285 |
| Earnings coverage of net charge-offs (x) | 1.2415% | 4,841 |
| Efficiency ratio | 83.7546% | 2,323 |
| Assets per employee ($millions) | 4.3376% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 2,649 |
| Loan loss allowance to noncurrent loans | 84.7598% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 2.5677% | 2,706 |
| Noncurrent loans to loans | 2.0005% | 3,642 |
| Net loans and leases to total assets | 81.0739% | 965 |
| Net loans and leases to deposits | 93.8244% | 1,914 |
| Net loans and leases to core deposits | 142.8501% | 803 |
| Total domestic deposits to total assets | 86.4102% | 2,469 |
| Equity capital to assets | 8.9501% | 5,554 |
| Core capital (leverage) ratio | 8.4970% | 5,501 |
| Tier 1 risk-based capital ratio | 9.3831% | 7,444 |
| Total risk-based capital ratio | 10.6369% | 7,416 |
| Memoranda: | ||
| Average total assets | $134,183,750 | 4,278 |
| Average earning assets | $121,029,000 | 4,318 |
| Average equity | $11,882,500 | 4,826 |
| Average total loans | $109,189,250 | 3,749 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0381% | 2,023 |
| Cost of funding earning assets | 2.6211% | 1,228 |
| Net interest margin | 3.4170% | 5,104 |
| Noninterest income to average assets | 0.5111% | 4,350 |
| Noninterest expense to average assets | 3.1257% | 3,596 |
| Loan and lease loss provision to assets | 0.3920% | 3,565 |
| Net operating income to assets | 0.0618% | 5,676 |
| Return on assets (ROA) | -0.1297% | 6,094 |
| Pretax return on assets | -0.1297% | 6,033 |
| Return on Equity (ROE) | -1.4698% | 6,142 |
| Retained earnings to average equity (ytd only) | -1.4698% | 5,603 |
| Net charge-offs to loans | 0.9122% | 1,879 |
| Credit loss provision to net charge-offs | 53.0612% | 5,719 |
| Earnings coverage of net charge-offs (x) | 0.6143% | 5,097 |
| Efficiency ratio | 87.3210% | 2,094 |
| Assets per employee ($millions) | 4.3498% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 2,985 |
| Loan loss allowance to noncurrent loans | 206.8263% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 2.5928% | 2,480 |
| Noncurrent loans to loans | 0.7444% | 5,751 |
| Net loans and leases to total assets | 79.3470% | 1,447 |
| Net loans and leases to deposits | 91.2001% | 2,614 |
| Net loans and leases to core deposits | 135.0621% | 1,262 |
| Total domestic deposits to total assets | 87.0031% | 2,256 |
| Equity capital to assets | 8.7647% | 5,653 |
| Core capital (leverage) ratio | 8.5842% | 5,287 |
| Tier 1 risk-based capital ratio | 9.2876% | 7,552 |
| Total risk-based capital ratio | 10.5390% | 7,537 |
| Memoranda: | ||
| Average total assets | $132,644,000 | 4,335 |
| Average earning assets | $119,110,000 | 4,392 |
| Average equity | $11,702,330 | 4,889 |
| Average total loans | $107,427,670 | 3,821 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0316% | 2,227 |
| Cost of funding earning assets | 2.7166% | 1,222 |
| Net interest margin | 3.3150% | 5,443 |
| Noninterest income to average assets | 0.5102% | 4,230 |
| Noninterest expense to average assets | 3.1043% | 3,359 |
| Loan and lease loss provision to assets | 0.3401% | 3,287 |
| Net operating income to assets | 0.0464% | 6,139 |
| Return on assets (ROA) | 0.0464% | 6,289 |
| Pretax return on assets | 0.0464% | 6,285 |
| Return on Equity (ROE) | 0.5239% | 6,271 |
| Retained earnings to average equity (ytd only) | 0.5239% | 5,447 |
| Net charge-offs to loans | 1.8162% | 796 |
| Credit loss provision to net charge-offs | 23.0608% | 5,040 |
| Earnings coverage of net charge-offs (x) | 0.2621% | 4,762 |
| Efficiency ratio | 88.9283% | 1,813 |
| Assets per employee ($millions) | 4.1670% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 3,137 |
| Loan loss allowance to noncurrent loans | 427.4194% | 813 |
| Noncurrent assets plus other real estate owned to assets | 2.3578% | 2,431 |
| Noncurrent loans to loans | 0.3440% | 6,571 |
| Net loans and leases to total assets | 79.9031% | 1,405 |
| Net loans and leases to deposits | 91.5037% | 2,693 |
| Net loans and leases to core deposits | 137.3228% | 1,231 |
| Total domestic deposits to total assets | 87.3223% | 2,054 |
| Equity capital to assets | 9.2175% | 5,067 |
| Core capital (leverage) ratio | 9.1942% | 4,411 |
| Tier 1 risk-based capital ratio | 9.8620% | 7,073 |
| Total risk-based capital ratio | 11.1137% | 6,970 |
| Memoranda: | ||
| Average total assets | $129,368,500 | 4,422 |
| Average earning assets | $116,321,000 | 4,471 |
| Average equity | $11,453,500 | 4,991 |
| Average total loans | $105,054,500 | 3,905 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3577% | 3,655 |
| Cost of funding earning assets | 3.3029% | 921 |
| Net interest margin | 3.0548% | 6,778 |
| Noninterest income to average assets | 0.5647% | 4,112 |
| Noninterest expense to average assets | 3.4439% | 2,544 |
| Loan and lease loss provision to assets | 1.2008% | 1,195 |
| Net operating income to assets | -1.3261% | 7,401 |
| Return on assets (ROA) | -1.2042% | 7,289 |
| Pretax return on assets | -1.2042% | 7,121 |
| Return on Equity (ROE) | -13.2486% | 7,508 |
| Retained earnings to average equity (ytd only) | -13.2486% | 7,351 |
| Net charge-offs to loans | 0.8615% | 1,450 |
| Credit loss provision to net charge-offs | 176.0204% | 2,882 |
| Earnings coverage of net charge-offs (x) | -0.1837% | 6,365 |
| Efficiency ratio | 103.7756% | 877 |
| Assets per employee ($millions) | 3.9185% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 1,376 |
| Loan loss allowance to noncurrent loans | 165.2321% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 2.2784% | 2,135 |
| Noncurrent loans to loans | 1.1621% | 4,205 |
| Net loans and leases to total assets | 79.7612% | 1,712 |
| Net loans and leases to deposits | 92.6700% | 3,015 |
| Net loans and leases to core deposits | 130.8070% | 1,793 |
| Total domestic deposits to total assets | 86.0702% | 2,371 |
| Equity capital to assets | 8.4662% | 6,147 |
| Core capital (leverage) ratio | 8.4004% | 5,762 |
| Tier 1 risk-based capital ratio | 9.1228% | 7,692 |
| Total risk-based capital ratio | 10.3787% | 7,655 |
| Memoranda: | ||
| Average total assets | $114,926,600 | 4,640 |
| Average earning assets | $103,607,000 | 4,695 |
| Average equity | $10,446,400 | 5,280 |
| Average total loans | $91,005,800 | 4,196 |