Home > The Harrison County Bank > Performance and Condition Ratios
The Harrison County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 4,011 |
| Cost of funding earning assets | 0.4836% | 4,208 |
| Net interest margin | 3.4840% | 2,221 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.8271% | 1,441 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8583% | 2,679 |
| Return on assets (ROA) | 0.8606% | 2,646 |
| Pretax return on assets | 0.9629% | 2,772 |
| Return on Equity (ROE) | 12.6000% | 1,821 |
| Retained earnings to average equity (ytd only) | 7.3426% | 1,779 |
| Net charge-offs to loans | 0.0380% | 1,550 |
| Credit loss provision to net charge-offs | 264.5161% | 1,032 |
| Earnings coverage of net charge-offs (x) | 50.5161% | 1,290 |
| Efficiency ratio | 73.6142% | 1,493 |
| Assets per employee ($millions) | 5.1811% | 3,491 |
| Cash dividends to net income (ytd only)* | 41.7293% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 3,628 |
| Loan loss allowance to noncurrent loans | 392.8205% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,670 |
| Noncurrent loans to loans | 0.2356% | 2,367 |
| Net loans and leases to total assets | 54.5800% | 3,304 |
| Net loans and leases to deposits | 60.0609% | 3,518 |
| Net loans and leases to core deposits | 63.8292% | 3,599 |
| Total domestic deposits to total assets | 90.8800% | 539 |
| Equity capital to assets | 7.6558% | 3,628 |
| Core capital (leverage) ratio | 10.7414% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $154,539,000 | 3,319 |
| Average earning assets | $147,244,000 | 3,274 |
| Average equity | $10,554,800 | 3,657 |
| Average total loans | $81,573,800 | 3,385 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,980 |
| Cost of funding earning assets | 0.3677% | 4,293 |
| Net interest margin | 3.5459% | 2,117 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.6981% | 1,666 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8892% | 2,726 |
| Return on assets (ROA) | 0.8919% | 2,697 |
| Pretax return on assets | 1.1490% | 2,422 |
| Return on Equity (ROE) | 13.4500% | 1,811 |
| Retained earnings to average equity (ytd only) | 9.8727% | 1,440 |
| Net charge-offs to loans | 0.0410% | 1,301 |
| Credit loss provision to net charge-offs | 236.0000% | 1,019 |
| Earnings coverage of net charge-offs (x) | 55.8800% | 1,247 |
| Efficiency ratio | 69.2697% | 1,871 |
| Assets per employee ($millions) | 5.1608% | 3,465 |
| Cash dividends to net income (ytd only)* | 26.6090% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 3,716 |
| Loan loss allowance to noncurrent loans | 358.3732% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,635 |
| Noncurrent loans to loans | 0.2525% | 2,331 |
| Net loans and leases to total assets | 54.8000% | 3,302 |
| Net loans and leases to deposits | 59.0077% | 3,559 |
| Net loans and leases to core deposits | 63.8737% | 3,532 |
| Total domestic deposits to total assets | 92.8700% | 317 |
| Equity capital to assets | 6.6543% | 3,772 |
| Core capital (leverage) ratio | 10.6801% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $155,610,750 | 3,322 |
| Average earning assets | $148,299,750 | 3,277 |
| Average equity | $10,317,750 | 3,685 |
| Average total loans | $81,273,500 | 3,396 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 3,966 |
| Cost of funding earning assets | 0.2472% | 4,382 |
| Net interest margin | 3.5956% | 2,047 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.6461% | 1,804 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9415% | 2,610 |
| Return on assets (ROA) | 0.9455% | 2,590 |
| Pretax return on assets | 1.2412% | 2,249 |
| Return on Equity (ROE) | 14.2800% | 1,623 |
| Retained earnings to average equity (ytd only) | 8.9678% | 1,693 |
| Net charge-offs to loans | 0.0569% | 962 |
| Credit loss provision to net charge-offs | 160.8696% | 1,156 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,351 |
| Efficiency ratio | 67.3232% | 2,066 |
| Assets per employee ($millions) | 5.4516% | 3,189 |
| Cash dividends to net income (ytd only)* | 37.1812% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 3,814 |
| Loan loss allowance to noncurrent loans | 751.5464% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,131 |
| Noncurrent loans to loans | 0.1184% | 2,883 |
| Net loans and leases to total assets | 53.1700% | 3,331 |
| Net loans and leases to deposits | 57.8442% | 3,547 |
| Net loans and leases to core deposits | 58.7176% | 3,687 |
| Total domestic deposits to total assets | 91.9200% | 429 |
| Equity capital to assets | 6.8682% | 3,864 |
| Core capital (leverage) ratio | 10.2079% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $157,593,333 | 3,320 |
| Average earning assets | $150,515,667 | 3,265 |
| Average equity | $10,437,333 | 3,682 |
| Average total loans | $80,775,333 | 3,402 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 3,968 |
| Cost of funding earning assets | 0.1568% | 4,446 |
| Net interest margin | 3.5821% | 2,167 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.6164% | 1,906 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9096% | 2,820 |
| Return on assets (ROA) | 0.9096% | 2,778 |
| Pretax return on assets | 1.2145% | 2,392 |
| Return on Equity (ROE) | 13.9800% | 1,778 |
| Retained earnings to average equity (ytd only) | 13.9812% | 942 |
| Net charge-offs to loans | 0.0898% | 632 |
| Credit loss provision to net charge-offs | 77.7778% | 1,219 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,335 |
| Efficiency ratio | 67.6357% | 2,020 |
| Assets per employee ($millions) | 5.7081% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 3,906 |
| Loan loss allowance to noncurrent loans | 578.0488% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 2,919 |
| Noncurrent loans to loans | 0.1525% | 2,731 |
| Net loans and leases to total assets | 50.0300% | 3,493 |
| Net loans and leases to deposits | 53.8197% | 3,698 |
| Net loans and leases to core deposits | 54.5838% | 3,811 |
| Total domestic deposits to total assets | 92.9700% | 313 |
| Equity capital to assets | 6.6616% | 3,980 |
| Core capital (leverage) ratio | 9.9202% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $160,067,500 | 3,339 |
| Average earning assets | $153,096,000 | 3,289 |
| Average equity | $10,414,000 | 3,729 |
| Average total loans | $80,217,000 | 3,446 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 3,342 |
| Cost of funding earning assets | 0.1330% | 4,217 |
| Net interest margin | 3.2689% | 2,652 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.5025% | 2,108 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9751% | 2,653 |
| Return on assets (ROA) | 0.8599% | 3,046 |
| Pretax return on assets | 0.9698% | 3,157 |
| Return on Equity (ROE) | 11.8200% | 2,207 |
| Retained earnings to average equity (ytd only) | 7.2624% | 2,119 |
| Net charge-offs to loans | 0.0557% | 1,102 |
| Credit loss provision to net charge-offs | 69.7674% | 1,729 |
| Earnings coverage of net charge-offs (x) | 41.1628% | 1,487 |
| Efficiency ratio | 69.1153% | 1,810 |
| Assets per employee ($millions) | 5.5279% | 3,186 |
| Cash dividends to net income (ytd only)* | 38.5746% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 3,781 |
| Loan loss allowance to noncurrent loans | 595.8333% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 3,042 |
| Noncurrent loans to loans | 0.1505% | 2,751 |
| Net loans and leases to total assets | 49.3100% | 3,559 |
| Net loans and leases to deposits | 52.8664% | 3,740 |
| Net loans and leases to core deposits | 53.4296% | 3,836 |
| Total domestic deposits to total assets | 93.2600% | 352 |
| Equity capital to assets | 6.3509% | 3,962 |
| Core capital (leverage) ratio | 9.7256% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $158,280,000 | 3,366 |
| Average earning assets | $151,884,600 | 3,310 |
| Average equity | $11,511,400 | 3,713 |
| Average total loans | $77,223,000 | 3,447 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3224% | 3,121 |
| Cost of funding earning assets | 0.1346% | 3,993 |
| Net interest margin | 3.1877% | 2,664 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.3992% | 2,331 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8535% | 3,049 |
| Return on assets (ROA) | 0.8535% | 3,029 |
| Pretax return on assets | 1.1172% | 2,669 |
| Return on Equity (ROE) | 11.3700% | 2,246 |
| Retained earnings to average equity (ytd only) | 8.4091% | 1,848 |
| Net charge-offs to loans | 0.0592% | 891 |
| Credit loss provision to net charge-offs | 44.1176% | 1,548 |
| Earnings coverage of net charge-offs (x) | 39.3235% | 1,396 |
| Efficiency ratio | 67.9837% | 2,032 |
| Assets per employee ($millions) | 5.6818% | 3,048 |
| Cash dividends to net income (ytd only)* | 26.0396% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 3,886 |
| Loan loss allowance to noncurrent loans | 1,508.5106% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,633 |
| Noncurrent loans to loans | 0.0590% | 3,460 |
| Net loans and leases to total assets | 49.6400% | 3,488 |
| Net loans and leases to deposits | 52.9332% | 3,671 |
| Net loans and leases to core deposits | 53.7877% | 3,760 |
| Total domestic deposits to total assets | 93.7800% | 398 |
| Equity capital to assets | 5.8111% | 4,028 |
| Core capital (leverage) ratio | 9.4890% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $157,773,000 | 3,388 |
| Average earning assets | $151,535,000 | 3,338 |
| Average equity | $11,844,000 | 3,724 |
| Average total loans | $76,590,000 | 3,476 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2151% | 2,994 |
| Cost of funding earning assets | 0.1374% | 3,741 |
| Net interest margin | 3.0777% | 2,611 |
| Noninterest income to average assets | 0.4576% | 2,405 |
| Noninterest expense to average assets | 2.3669% | 2,347 |
| Loan and lease loss provision to assets | 0.0076% | 2,463 |
| Net operating income to assets | 0.8072% | 2,929 |
| Return on assets (ROA) | 0.8072% | 2,899 |
| Pretax return on assets | 1.0449% | 2,590 |
| Return on Equity (ROE) | 9.9919% | 2,340 |
| Retained earnings to average equity (ytd only) | 5.8535% | 2,384 |
| Net charge-offs to loans | 0.0953% | 606 |
| Credit loss provision to net charge-offs | 16.6667% | 1,616 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,496 |
| Efficiency ratio | 69.2193% | 2,073 |
| Assets per employee ($millions) | 5.8526% | 2,870 |
| Cash dividends to net income (ytd only)* | 41.4173% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 3,955 |
| Loan loss allowance to noncurrent loans | 218.1250% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 2,310 |
| Noncurrent loans to loans | 0.4116% | 1,886 |
| Net loans and leases to total assets | 48.7565% | 3,486 |
| Net loans and leases to deposits | 52.2105% | 3,666 |
| Net loans and leases to core deposits | 53.0620% | 3,754 |
| Total domestic deposits to total assets | 93.3844% | 416 |
| Equity capital to assets | 6.2391% | 4,121 |
| Core capital (leverage) ratio | 9.3843% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,333,667 | 3,433 |
| Average earning assets | $151,409,333 | 3,385 |
| Average equity | $12,710,333 | 3,709 |
| Average total loans | $75,560,333 | 3,524 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1483% | 2,833 |
| Cost of funding earning assets | 0.1426% | 3,594 |
| Net interest margin | 3.0056% | 2,483 |
| Noninterest income to average assets | 0.4357% | 2,466 |
| Noninterest expense to average assets | 2.3619% | 2,295 |
| Loan and lease loss provision to assets | 0.0076% | 2,175 |
| Net operating income to assets | 0.7287% | 2,946 |
| Return on assets (ROA) | 0.7287% | 2,935 |
| Pretax return on assets | 0.9657% | 2,552 |
| Return on Equity (ROE) | 8.0928% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.0928% | 1,554 |
| Net charge-offs to loans | 0.2149% | 289 |
| Credit loss provision to net charge-offs | 7.5000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 9.5500% | 1,481 |
| Efficiency ratio | 70.8174% | 2,121 |
| Assets per employee ($millions) | 5.6645% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 3,975 |
| Loan loss allowance to noncurrent loans | 259.7744% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 2,560 |
| Noncurrent loans to loans | 0.3562% | 2,205 |
| Net loans and leases to total assets | 46.6502% | 3,521 |
| Net loans and leases to deposits | 51.0082% | 3,646 |
| Net loans and leases to core deposits | 51.9469% | 3,738 |
| Total domestic deposits to total assets | 91.4562% | 827 |
| Equity capital to assets | 8.1737% | 3,428 |
| Core capital (leverage) ratio | 9.4904% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,990,500 | 3,450 |
| Average earning assets | $151,448,500 | 3,394 |
| Average equity | $14,136,000 | 3,645 |
| Average total loans | $74,469,000 | 3,549 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 2,359 |
| Cost of funding earning assets | 0.1761% | 3,700 |
| Net interest margin | 3.4345% | 1,918 |
| Noninterest income to average assets | 0.4986% | 2,569 |
| Noninterest expense to average assets | 2.5093% | 2,153 |
| Loan and lease loss provision to assets | 0.1819% | 631 |
| Net operating income to assets | 1.0001% | 2,662 |
| Return on assets (ROA) | 1.0289% | 2,634 |
| Pretax return on assets | 1.1522% | 2,812 |
| Return on Equity (ROE) | 10.0102% | 2,515 |
| Retained earnings to average equity (ytd only) | 6.7587% | 2,016 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8416% | 2,281 |
| Assets per employee ($millions) | 5.7546% | 3,004 |
| Cash dividends to net income (ytd only)* | 32.4820% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,826 |
| Loan loss allowance to noncurrent loans | 234.8387% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,567 |
| Noncurrent loans to loans | 0.4175% | 2,101 |
| Net loans and leases to total assets | 47.3236% | 3,564 |
| Net loans and leases to deposits | 52.8488% | 3,676 |
| Net loans and leases to core deposits | 53.7497% | 3,770 |
| Total domestic deposits to total assets | 89.5453% | 1,214 |
| Equity capital to assets | 9.8523% | 2,796 |
| Core capital (leverage) ratio | 9.4701% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,410,600 | 3,498 |
| Average earning assets | $143,135,400 | 3,440 |
| Average equity | $15,254,400 | 3,610 |
| Average total loans | $74,215,800 | 3,582 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6335% | 2,467 |
| Cost of funding earning assets | 0.1849% | 3,765 |
| Net interest margin | 3.4487% | 2,011 |
| Noninterest income to average assets | 0.4945% | 2,646 |
| Noninterest expense to average assets | 2.4217% | 2,367 |
| Loan and lease loss provision to assets | 0.0818% | 1,446 |
| Net operating income to assets | 0.9429% | 3,113 |
| Return on assets (ROA) | 0.9609% | 3,125 |
| Pretax return on assets | 1.3372% | 2,523 |
| Return on Equity (ROE) | 9.2468% | 3,022 |
| Retained earnings to average equity (ytd only) | 7.0772% | 2,388 |
| Net charge-offs to loans | -0.0036% | 3,345 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4286% | 2,473 |
| Assets per employee ($millions) | 5.8957% | 2,793 |
| Cash dividends to net income (ytd only)* | 23.4626% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7091% | 4,485 |
| Loan loss allowance to noncurrent loans | 423.0769% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,531 |
| Noncurrent loans to loans | 0.1676% | 3,284 |
| Net loans and leases to total assets | 50.2384% | 3,390 |
| Net loans and leases to deposits | 56.4822% | 3,535 |
| Net loans and leases to core deposits | 57.3568% | 3,671 |
| Total domestic deposits to total assets | 88.9456% | 1,314 |
| Equity capital to assets | 10.1770% | 2,733 |
| Core capital (leverage) ratio | 9.3613% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,669,500 | 3,554 |
| Average earning assets | $141,346,250 | 3,499 |
| Average equity | $15,241,000 | 3,656 |
| Average total loans | $74,205,500 | 3,626 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 2,858 |
| Cost of funding earning assets | 0.1883% | 3,864 |
| Net interest margin | 3.3246% | 2,362 |
| Noninterest income to average assets | 0.4901% | 2,663 |
| Noninterest expense to average assets | 2.4380% | 2,347 |
| Loan and lease loss provision to assets | 0.0831% | 1,474 |
| Net operating income to assets | 0.8484% | 3,372 |
| Return on assets (ROA) | 0.8680% | 3,381 |
| Pretax return on assets | 1.1961% | 2,924 |
| Return on Equity (ROE) | 8.2929% | 3,318 |
| Retained earnings to average equity (ytd only) | 5.0128% | 3,178 |
| Net charge-offs to loans | -0.0055% | 3,462 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0292% | 2,150 |
| Assets per employee ($millions) | 5.8439% | 2,769 |
| Cash dividends to net income (ytd only)* | 39.5534% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 4,594 |
| Loan loss allowance to noncurrent loans | 611.7647% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,857 |
| Noncurrent loans to loans | 0.1077% | 3,647 |
| Net loans and leases to total assets | 51.6049% | 3,382 |
| Net loans and leases to deposits | 58.0013% | 3,547 |
| Net loans and leases to core deposits | 58.7844% | 3,703 |
| Total domestic deposits to total assets | 88.9720% | 1,298 |
| Equity capital to assets | 10.0217% | 2,833 |
| Core capital (leverage) ratio | 9.2593% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,463,667 | 3,581 |
| Average earning assets | $139,143,667 | 3,522 |
| Average equity | $15,121,333 | 3,672 |
| Average total loans | $73,087,667 | 3,669 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3580% | 3,319 |
| Cost of funding earning assets | 0.2067% | 3,855 |
| Net interest margin | 3.1513% | 2,839 |
| Noninterest income to average assets | 0.4775% | 2,716 |
| Noninterest expense to average assets | 2.4985% | 2,180 |
| Loan and lease loss provision to assets | 0.0853% | 1,535 |
| Net operating income to assets | 0.7220% | 3,659 |
| Return on assets (ROA) | 0.7220% | 3,724 |
| Pretax return on assets | 0.9266% | 3,546 |
| Return on Equity (ROE) | 6.7425% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.7425% | 2,655 |
| Net charge-offs to loans | 0.0057% | 1,697 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 356.0000% | 260 |
| Efficiency ratio | 71.1741% | 1,588 |
| Assets per employee ($millions) | 5.4097% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6690% | 4,611 |
| Loan loss allowance to noncurrent loans | 273.5955% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 3,563 |
| Noncurrent loans to loans | 0.2445% | 3,221 |
| Net loans and leases to total assets | 49.5064% | 3,675 |
| Net loans and leases to deposits | 55.6878% | 3,817 |
| Net loans and leases to core deposits | 56.4701% | 3,942 |
| Total domestic deposits to total assets | 88.8999% | 1,392 |
| Equity capital to assets | 10.2039% | 2,518 |
| Core capital (leverage) ratio | 9.8550% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,725,000 | 3,634 |
| Average earning assets | $135,437,500 | 3,569 |
| Average equity | $15,068,500 | 3,678 |
| Average total loans | $70,167,000 | 3,730 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 3,361 |
| Cost of funding earning assets | 0.3079% | 4,098 |
| Net interest margin | 3.4710% | 2,559 |
| Noninterest income to average assets | 0.5170% | 2,559 |
| Noninterest expense to average assets | 2.7130% | 2,206 |
| Loan and lease loss provision to assets | 0.0778% | 3,406 |
| Net operating income to assets | 0.9259% | 2,585 |
| Return on assets (ROA) | 0.9688% | 2,552 |
| Pretax return on assets | 1.0960% | 2,710 |
| Return on Equity (ROE) | 8.8515% | 2,453 |
| Retained earnings to average equity (ytd only) | 5.6067% | 1,992 |
| Net charge-offs to loans | 0.0031% | 3,263 |
| Credit loss provision to net charge-offs | 4,950.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 716.0000% | 166 |
| Efficiency ratio | 70.6858% | 1,857 |
| Assets per employee ($millions) | 5.0144% | 3,376 |
| Cash dividends to net income (ytd only)* | 36.6586% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 4,619 |
| Loan loss allowance to noncurrent loans | 204.4643% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 3,444 |
| Noncurrent loans to loans | 0.3317% | 3,021 |
| Net loans and leases to total assets | 49.5457% | 3,857 |
| Net loans and leases to deposits | 56.3779% | 3,971 |
| Net loans and leases to core deposits | 57.1201% | 4,087 |
| Total domestic deposits to total assets | 87.8815% | 1,540 |
| Equity capital to assets | 11.2514% | 2,056 |
| Core capital (leverage) ratio | 10.0856% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,276,200 | 3,667 |
| Average earning assets | $121,782,200 | 3,604 |
| Average equity | $13,929,800 | 3,767 |
| Average total loans | $63,548,200 | 3,856 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 3,728 |
| Cost of funding earning assets | 0.3296% | 4,157 |
| Net interest margin | 3.4000% | 2,922 |
| Noninterest income to average assets | 0.5056% | 2,595 |
| Noninterest expense to average assets | 2.6539% | 2,379 |
| Loan and lease loss provision to assets | 0.0735% | 3,407 |
| Net operating income to assets | 0.7810% | 3,163 |
| Return on assets (ROA) | 0.8037% | 3,194 |
| Pretax return on assets | 1.0571% | 2,883 |
| Return on Equity (ROE) | 7.3996% | 3,050 |
| Retained earnings to average equity (ytd only) | 5.1846% | 2,481 |
| Net charge-offs to loans | 0.0085% | 2,804 |
| Credit loss provision to net charge-offs | 1,725.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 258.7500% | 401 |
| Efficiency ratio | 70.6633% | 1,798 |
| Assets per employee ($millions) | 4.5718% | 3,753 |
| Cash dividends to net income (ytd only)* | 29.9338% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6291% | 4,686 |
| Loan loss allowance to noncurrent loans | 398.1308% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,025 |
| Noncurrent loans to loans | 0.1580% | 3,749 |
| Net loans and leases to total assets | 50.7539% | 4,053 |
| Net loans and leases to deposits | 58.6056% | 4,136 |
| Net loans and leases to core deposits | 59.4066% | 4,235 |
| Total domestic deposits to total assets | 86.6024% | 1,815 |
| Equity capital to assets | 11.2186% | 2,216 |
| Core capital (leverage) ratio | 9.9659% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,248,250 | 3,679 |
| Average earning assets | $119,721,500 | 3,616 |
| Average equity | $13,604,000 | 3,812 |
| Average total loans | $62,551,000 | 3,892 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7687% | 3,952 |
| Cost of funding earning assets | 0.3533% | 4,256 |
| Net interest margin | 3.4154% | 3,054 |
| Noninterest income to average assets | 0.4967% | 2,585 |
| Noninterest expense to average assets | 2.6872% | 2,423 |
| Loan and lease loss provision to assets | 0.0635% | 3,500 |
| Net operating income to assets | 0.7959% | 3,057 |
| Return on assets (ROA) | 0.8306% | 3,054 |
| Pretax return on assets | 1.0488% | 2,877 |
| Return on Equity (ROE) | 7.7386% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.3093% | 2,777 |
| Net charge-offs to loans | 0.1085% | 1,210 |
| Credit loss provision to net charge-offs | 118.1818% | 2,295 |
| Earnings coverage of net charge-offs (x) | 19.8788% | 1,702 |
| Efficiency ratio | 71.5525% | 1,756 |
| Assets per employee ($millions) | 4.5554% | 3,715 |
| Cash dividends to net income (ytd only)* | 44.3137% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 4,787 |
| Loan loss allowance to noncurrent loans | 203.8889% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 3,840 |
| Noncurrent loans to loans | 0.2738% | 3,405 |
| Net loans and leases to total assets | 49.4837% | 4,185 |
| Net loans and leases to deposits | 56.0937% | 4,286 |
| Net loans and leases to core deposits | 56.8468% | 4,405 |
| Total domestic deposits to total assets | 88.2163% | 1,078 |
| Equity capital to assets | 10.8784% | 2,442 |
| Core capital (leverage) ratio | 10.5032% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,803,333 | 3,691 |
| Average earning assets | $117,175,667 | 3,632 |
| Average equity | $13,180,667 | 3,854 |
| Average total loans | $60,829,000 | 3,925 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 4,116 |
| Cost of funding earning assets | 0.3943% | 4,384 |
| Net interest margin | 3.4635% | 3,103 |
| Noninterest income to average assets | 0.5214% | 2,435 |
| Noninterest expense to average assets | 2.7930% | 2,448 |
| Loan and lease loss provision to assets | 0.0305% | 3,396 |
| Net operating income to assets | 0.7969% | 2,919 |
| Return on assets (ROA) | 0.8159% | 2,941 |
| Pretax return on assets | 1.0224% | 2,770 |
| Return on Equity (ROE) | 7.6596% | 2,651 |
| Retained earnings to average equity (ytd only) | 7.6596% | 1,327 |
| Net charge-offs to loans | 0.2330% | 612 |
| Credit loss provision to net charge-offs | 26.4706% | 2,172 |
| Earnings coverage of net charge-offs (x) | 8.9412% | 1,840 |
| Efficiency ratio | 73.0735% | 1,930 |
| Assets per employee ($millions) | 4.1059% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5751% | 4,795 |
| Loan loss allowance to noncurrent loans | 326.2136% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,173 |
| Noncurrent loans to loans | 0.1763% | 3,840 |
| Net loans and leases to total assets | 48.7806% | 4,302 |
| Net loans and leases to deposits | 54.4418% | 4,423 |
| Net loans and leases to core deposits | 55.2381% | 4,524 |
| Total domestic deposits to total assets | 89.6012% | 444 |
| Equity capital to assets | 10.0191% | 3,764 |
| Core capital (leverage) ratio | 10.8971% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,152,000 | 3,730 |
| Average earning assets | $112,604,000 | 3,673 |
| Average equity | $12,585,500 | 3,930 |
| Average total loans | $58,374,500 | 3,985 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 4,412 |
| Cost of funding earning assets | 0.3785% | 4,513 |
| Net interest margin | 3.5338% | 3,332 |
| Noninterest income to average assets | 0.6350% | 2,071 |
| Noninterest expense to average assets | 2.8244% | 2,520 |
| Loan and lease loss provision to assets | 0.0262% | 3,489 |
| Net operating income to assets | 1.0236% | 2,755 |
| Return on assets (ROA) | 1.0127% | 2,893 |
| Pretax return on assets | 1.1357% | 3,053 |
| Return on Equity (ROE) | 9.4426% | 2,548 |
| Retained earnings to average equity (ytd only) | 5.8802% | 1,931 |
| Net charge-offs to loans | -0.0678% | 4,881 |
| Credit loss provision to net charge-offs | -78.9474% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6370% | 2,076 |
| Assets per employee ($millions) | 4.1869% | 3,647 |
| Cash dividends to net income (ytd only)* | 37.7261% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6189% | 4,709 |
| Loan loss allowance to noncurrent loans | 142.6877% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 3,599 |
| Noncurrent loans to loans | 0.4337% | 2,891 |
| Net loans and leases to total assets | 49.4472% | 4,349 |
| Net loans and leases to deposits | 56.0825% | 4,454 |
| Net loans and leases to core deposits | 57.2122% | 4,544 |
| Total domestic deposits to total assets | 88.1688% | 1,050 |
| Equity capital to assets | 11.2947% | 2,714 |
| Core capital (leverage) ratio | 10.9899% | 2,509 |
| Tier 1 risk-based capital ratio | 22.1256% | 1,009 |
| Total risk-based capital ratio | 22.7536% | 1,061 |
| Memoranda: | ||
| Average total assets | $114,642,800 | 3,767 |
| Average earning assets | $109,118,200 | 3,726 |
| Average equity | $12,295,400 | 3,962 |
| Average total loans | $56,027,200 | 4,051 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 4,538 |
| Cost of funding earning assets | 0.3702% | 4,598 |
| Net interest margin | 3.5310% | 3,470 |
| Noninterest income to average assets | 0.6304% | 2,069 |
| Noninterest expense to average assets | 2.7334% | 2,773 |
| Loan and lease loss provision to assets | 0.0257% | 3,381 |
| Net operating income to assets | 0.9169% | 3,279 |
| Return on assets (ROA) | 0.9123% | 3,383 |
| Pretax return on assets | 1.2234% | 2,904 |
| Return on Equity (ROE) | 8.6240% | 3,047 |
| Retained earnings to average equity (ytd only) | 6.2027% | 2,281 |
| Net charge-offs to loans | -0.1010% | 4,993 |
| Credit loss provision to net charge-offs | -52.3810% | 4,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5337% | 2,333 |
| Assets per employee ($millions) | 3.8288% | 4,131 |
| Cash dividends to net income (ytd only)* | 28.0768% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6233% | 4,772 |
| Loan loss allowance to noncurrent loans | 135.7414% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 3,661 |
| Noncurrent loans to loans | 0.4592% | 2,925 |
| Net loans and leases to total assets | 49.5547% | 4,451 |
| Net loans and leases to deposits | 56.4218% | 4,538 |
| Net loans and leases to core deposits | 57.5839% | 4,637 |
| Total domestic deposits to total assets | 87.8290% | 1,116 |
| Equity capital to assets | 11.3753% | 2,770 |
| Core capital (leverage) ratio | 11.0709% | 2,584 |
| Tier 1 risk-based capital ratio | 21.9663% | 1,074 |
| Total risk-based capital ratio | 22.5907% | 1,125 |
| Memoranda: | ||
| Average total assets | $113,995,500 | 3,818 |
| Average earning assets | $108,407,250 | 3,780 |
| Average equity | $12,059,000 | 4,026 |
| Average total loans | $55,451,750 | 4,113 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 4,614 |
| Cost of funding earning assets | 0.3482% | 4,685 |
| Net interest margin | 3.5171% | 3,538 |
| Noninterest income to average assets | 0.6033% | 2,134 |
| Noninterest expense to average assets | 2.7914% | 2,617 |
| Loan and lease loss provision to assets | 0.0264% | 3,293 |
| Net operating income to assets | 0.8960% | 3,300 |
| Return on assets (ROA) | 0.8707% | 3,463 |
| Pretax return on assets | 1.0940% | 3,252 |
| Return on Equity (ROE) | 8.4447% | 3,095 |
| Retained earnings to average equity (ytd only) | 4.7086% | 2,911 |
| Net charge-offs to loans | -0.1386% | 5,066 |
| Credit loss provision to net charge-offs | -39.4737% | 3,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7850% | 2,101 |
| Assets per employee ($millions) | 4.0661% | 3,783 |
| Cash dividends to net income (ytd only)* | 44.2424% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 4,850 |
| Loan loss allowance to noncurrent loans | 220.3822% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 4,072 |
| Noncurrent loans to loans | 0.2782% | 3,538 |
| Net loans and leases to total assets | 49.2679% | 4,508 |
| Net loans and leases to deposits | 55.6512% | 4,611 |
| Net loans and leases to core deposits | 56.8020% | 4,688 |
| Total domestic deposits to total assets | 88.5297% | 867 |
| Equity capital to assets | 11.0056% | 3,049 |
| Core capital (leverage) ratio | 10.8922% | 2,702 |
| Tier 1 risk-based capital ratio | 22.3948% | 1,011 |
| Total risk-based capital ratio | 23.0261% | 1,056 |
| Memoranda: | ||
| Average total assets | $113,706,330 | 3,849 |
| Average earning assets | $107,986,330 | 3,806 |
| Average equity | $11,723,330 | 4,085 |
| Average total loans | $54,843,330 | 4,149 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 4,732 |
| Cost of funding earning assets | 0.2971% | 4,860 |
| Net interest margin | 3.4838% | 3,639 |
| Noninterest income to average assets | 0.5667% | 2,198 |
| Noninterest expense to average assets | 2.7985% | 2,573 |
| Loan and lease loss provision to assets | 0.0246% | 3,107 |
| Net operating income to assets | 0.8206% | 3,553 |
| Return on assets (ROA) | 0.7955% | 3,686 |
| Pretax return on assets | 1.0138% | 3,400 |
| Return on Equity (ROE) | 7.9859% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.9859% | 1,665 |
| Net charge-offs to loans | -0.2960% | 5,215 |
| Credit loss provision to net charge-offs | -17.5000% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3385% | 1,980 |
| Assets per employee ($millions) | 3.8405% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6231% | 4,897 |
| Loan loss allowance to noncurrent loans | 317.7570% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 4,347 |
| Noncurrent loans to loans | 0.1961% | 3,890 |
| Net loans and leases to total assets | 47.0655% | 4,616 |
| Net loans and leases to deposits | 52.6287% | 4,726 |
| Net loans and leases to core deposits | 53.6902% | 4,794 |
| Total domestic deposits to total assets | 89.4292% | 674 |
| Equity capital to assets | 10.1767% | 3,645 |
| Core capital (leverage) ratio | 10.9180% | 2,650 |
| Tier 1 risk-based capital ratio | 22.3627% | 1,007 |
| Total risk-based capital ratio | 22.9847% | 1,061 |
| Memoranda: | ||
| Average total assets | $113,634,000 | 3,884 |
| Average earning assets | $107,698,500 | 3,851 |
| Average equity | $11,320,000 | 4,149 |
| Average total loans | $54,046,000 | 4,208 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 4,568 |
| Cost of funding earning assets | 0.2400% | 4,851 |
| Net interest margin | 3.5228% | 3,624 |
| Noninterest income to average assets | 0.6398% | 2,099 |
| Noninterest expense to average assets | 2.7988% | 2,697 |
| Loan and lease loss provision to assets | 0.0269% | 3,639 |
| Net operating income to assets | 0.9486% | 3,239 |
| Return on assets (ROA) | 0.9449% | 3,256 |
| Pretax return on assets | 1.1423% | 3,124 |
| Return on Equity (ROE) | 10.0702% | 2,487 |
| Retained earnings to average equity (ytd only) | 6.1684% | 2,108 |
| Net charge-offs to loans | 0.0521% | 2,408 |
| Credit loss provision to net charge-offs | 107.1429% | 2,390 |
| Earnings coverage of net charge-offs (x) | 46.7143% | 1,183 |
| Efficiency ratio | 70.4540% | 2,114 |
| Assets per employee ($millions) | 3.7351% | 4,271 |
| Cash dividends to net income (ytd only)* | 38.7464% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5474% | 5,065 |
| Loan loss allowance to noncurrent loans | 114.0078% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 3,687 |
| Noncurrent loans to loans | 0.4801% | 2,838 |
| Net loans and leases to total assets | 47.5066% | 4,673 |
| Net loans and leases to deposits | 52.9940% | 4,787 |
| Net loans and leases to core deposits | 53.8158% | 4,852 |
| Total domestic deposits to total assets | 89.6452% | 601 |
| Equity capital to assets | 9.7408% | 3,919 |
| Core capital (leverage) ratio | 10.8360% | 2,691 |
| Tier 1 risk-based capital ratio | 22.1463% | 1,011 |
| Total risk-based capital ratio | 22.6872% | 1,084 |
| Memoranda: | ||
| Average total assets | $111,440,400 | 3,918 |
| Average earning assets | $105,426,600 | 3,888 |
| Average equity | $10,456,600 | 4,240 |
| Average total loans | $53,745,800 | 4,230 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 4,622 |
| Cost of funding earning assets | 0.2368% | 4,858 |
| Net interest margin | 3.4782% | 3,769 |
| Noninterest income to average assets | 0.6314% | 2,158 |
| Noninterest expense to average assets | 2.7076% | 2,958 |
| Loan and lease loss provision to assets | 0.0276% | 3,454 |
| Net operating income to assets | 0.8781% | 3,632 |
| Return on assets (ROA) | 0.8734% | 3,651 |
| Pretax return on assets | 1.1813% | 3,062 |
| Return on Equity (ROE) | 9.3984% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.7683% | 2,253 |
| Net charge-offs to loans | 0.0173% | 2,818 |
| Credit loss provision to net charge-offs | 328.5714% | 957 |
| Earnings coverage of net charge-offs (x) | 144.9057% | 563 |
| Efficiency ratio | 69.0287% | 2,353 |
| Assets per employee ($millions) | 3.8333% | 4,132 |
| Cash dividends to net income (ytd only)* | 27.9831% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5667% | 5,099 |
| Loan loss allowance to noncurrent loans | 260.1695% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 4,440 |
| Noncurrent loans to loans | 0.2178% | 3,928 |
| Net loans and leases to total assets | 48.4591% | 4,695 |
| Net loans and leases to deposits | 53.7185% | 4,831 |
| Net loans and leases to core deposits | 54.5519% | 4,893 |
| Total domestic deposits to total assets | 90.2092% | 435 |
| Equity capital to assets | 9.2231% | 4,352 |
| Core capital (leverage) ratio | 10.6211% | 2,965 |
| Tier 1 risk-based capital ratio | 21.4955% | 1,116 |
| Total risk-based capital ratio | 22.0511% | 1,184 |
| Memoranda: | ||
| Average total assets | $111,287,000 | 3,962 |
| Average earning assets | $105,302,000 | 3,930 |
| Average equity | $10,342,000 | 4,300 |
| Average total loans | $53,800,750 | 4,276 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 4,670 |
| Cost of funding earning assets | 0.2298% | 4,859 |
| Net interest margin | 3.4292% | 3,867 |
| Noninterest income to average assets | 0.6162% | 2,240 |
| Noninterest expense to average assets | 2.6642% | 3,122 |
| Loan and lease loss provision to assets | 0.0269% | 3,378 |
| Net operating income to assets | 0.8716% | 3,578 |
| Return on assets (ROA) | 0.8659% | 3,601 |
| Pretax return on assets | 1.1623% | 3,090 |
| Return on Equity (ROE) | 9.2945% | 2,900 |
| Retained earnings to average equity (ytd only) | 5.3608% | 2,899 |
| Net charge-offs to loans | 0.0075% | 2,862 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 333.0000% | 274 |
| Efficiency ratio | 69.0088% | 2,485 |
| Assets per employee ($millions) | 3.8443% | 4,139 |
| Cash dividends to net income (ytd only)* | 42.3237% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5660% | 5,171 |
| Loan loss allowance to noncurrent loans | 361.9048% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,633 |
| Noncurrent loans to loans | 0.1564% | 4,204 |
| Net loans and leases to total assets | 47.9033% | 4,724 |
| Net loans and leases to deposits | 53.0375% | 4,876 |
| Net loans and leases to core deposits | 53.8558% | 4,942 |
| Total domestic deposits to total assets | 90.3198% | 458 |
| Equity capital to assets | 9.1725% | 4,407 |
| Core capital (leverage) ratio | 10.5408% | 2,988 |
| Tier 1 risk-based capital ratio | 21.3622% | 1,119 |
| Total risk-based capital ratio | 21.9206% | 1,198 |
| Memoranda: | ||
| Average total assets | $111,327,330 | 3,998 |
| Average earning assets | $105,330,670 | 3,962 |
| Average equity | $10,371,670 | 4,328 |
| Average total loans | $53,675,330 | 4,312 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,690 |
| Cost of funding earning assets | 0.2278% | 4,845 |
| Net interest margin | 3.3787% | 3,952 |
| Noninterest income to average assets | 0.6005% | 2,251 |
| Noninterest expense to average assets | 2.6859% | 3,081 |
| Loan and lease loss provision to assets | 0.0288% | 3,137 |
| Net operating income to assets | 0.8304% | 3,592 |
| Return on assets (ROA) | 0.8162% | 3,651 |
| Pretax return on assets | 1.0679% | 3,289 |
| Return on Equity (ROE) | 8.6936% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.6936% | 1,580 |
| Net charge-offs to loans | -0.0373% | 4,838 |
| Credit loss provision to net charge-offs | -160.0000% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6717% | 2,389 |
| Assets per employee ($millions) | 3.8647% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5721% | 5,235 |
| Loan loss allowance to noncurrent loans | 467.6923% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 4,803 |
| Noncurrent loans to loans | 0.1223% | 4,413 |
| Net loans and leases to total assets | 47.1390% | 4,745 |
| Net loans and leases to deposits | 52.1458% | 4,875 |
| Net loans and leases to core deposits | 52.9442% | 4,954 |
| Total domestic deposits to total assets | 90.3986% | 503 |
| Equity capital to assets | 9.1348% | 4,431 |
| Core capital (leverage) ratio | 10.6194% | 2,826 |
| Tier 1 risk-based capital ratio | 21.5565% | 1,115 |
| Total risk-based capital ratio | 22.1223% | 1,195 |
| Memoranda: | ||
| Average total assets | $111,248,500 | 4,044 |
| Average earning assets | $105,366,000 | 4,004 |
| Average equity | $10,444,500 | 4,357 |
| Average total loans | $53,658,500 | 4,359 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 4,498 |
| Cost of funding earning assets | 0.2461% | 4,601 |
| Net interest margin | 3.3861% | 3,895 |
| Noninterest income to average assets | 0.6054% | 2,421 |
| Noninterest expense to average assets | 2.7811% | 2,843 |
| Loan and lease loss provision to assets | 0.0274% | 3,736 |
| Net operating income to assets | 0.7976% | 3,167 |
| Return on assets (ROA) | 0.7947% | 3,233 |
| Pretax return on assets | 1.0014% | 3,560 |
| Return on Equity (ROE) | 8.2387% | 2,679 |
| Retained earnings to average equity (ytd only) | 4.7308% | 2,300 |
| Net charge-offs to loans | 0.3906% | 643 |
| Credit loss provision to net charge-offs | 14.6341% | 3,639 |
| Earnings coverage of net charge-offs (x) | 5.5073% | 3,317 |
| Efficiency ratio | 72.9257% | 2,075 |
| Assets per employee ($millions) | 3.8076% | 4,269 |
| Cash dividends to net income (ytd only)* | 42.5777% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5371% | 5,346 |
| Loan loss allowance to noncurrent loans | 206.3830% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 4,488 |
| Noncurrent loans to loans | 0.2602% | 3,856 |
| Net loans and leases to total assets | 48.8046% | 4,718 |
| Net loans and leases to deposits | 54.3208% | 4,877 |
| Net loans and leases to core deposits | 55.1694% | 4,962 |
| Total domestic deposits to total assets | 89.8451% | 627 |
| Equity capital to assets | 9.6459% | 4,090 |
| Core capital (leverage) ratio | 10.3799% | 2,986 |
| Tier 1 risk-based capital ratio | 20.7634% | 1,182 |
| Total risk-based capital ratio | 21.2956% | 1,273 |
| Memoranda: | ||
| Average total assets | $109,343,400 | 4,071 |
| Average earning assets | $103,598,600 | 4,033 |
| Average equity | $10,547,800 | 4,370 |
| Average total loans | $52,482,000 | 4,398 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 4,487 |
| Cost of funding earning assets | 0.2515% | 4,551 |
| Net interest margin | 3.3801% | 3,917 |
| Noninterest income to average assets | 0.6014% | 2,481 |
| Noninterest expense to average assets | 2.6880% | 3,098 |
| Loan and lease loss provision to assets | 0.0269% | 3,592 |
| Net operating income to assets | 0.7453% | 3,759 |
| Return on assets (ROA) | 0.7420% | 3,840 |
| Pretax return on assets | 1.0855% | 3,359 |
| Return on Equity (ROE) | 7.6916% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.3474% | 2,649 |
| Net charge-offs to loans | 0.5020% | 409 |
| Credit loss provision to net charge-offs | 11.2245% | 3,217 |
| Earnings coverage of net charge-offs (x) | 4.6632% | 3,194 |
| Efficiency ratio | 70.6393% | 2,427 |
| Assets per employee ($millions) | 3.7827% | 4,325 |
| Cash dividends to net income (ytd only)* | 30.4778% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5561% | 5,397 |
| Loan loss allowance to noncurrent loans | 149.7436% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 4,393 |
| Noncurrent loans to loans | 0.3714% | 3,620 |
| Net loans and leases to total assets | 47.5993% | 4,853 |
| Net loans and leases to deposits | 53.1385% | 4,997 |
| Net loans and leases to core deposits | 54.1446% | 5,067 |
| Total domestic deposits to total assets | 89.5760% | 628 |
| Equity capital to assets | 10.0183% | 3,891 |
| Core capital (leverage) ratio | 10.4103% | 3,076 |
| Tier 1 risk-based capital ratio | 21.1335% | 1,175 |
| Total risk-based capital ratio | 21.6808% | 1,261 |
| Memoranda: | ||
| Average total assets | $109,074,250 | 4,118 |
| Average earning assets | $103,386,000 | 4,078 |
| Average equity | $10,522,000 | 4,416 |
| Average total loans | $52,057,250 | 4,444 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 4,469 |
| Cost of funding earning assets | 0.2543% | 4,503 |
| Net interest margin | 3.3635% | 3,896 |
| Noninterest income to average assets | 0.6209% | 2,372 |
| Noninterest expense to average assets | 2.7098% | 3,063 |
| Loan and lease loss provision to assets | 0.0276% | 3,450 |
| Net operating income to assets | 0.7018% | 3,842 |
| Return on assets (ROA) | 0.7055% | 3,889 |
| Pretax return on assets | 1.0729% | 3,291 |
| Return on Equity (ROE) | 7.4088% | 3,336 |
| Retained earnings to average equity (ytd only) | 3.8395% | 3,405 |
| Net charge-offs to loans | 0.7668% | 254 |
| Credit loss provision to net charge-offs | 7.5377% | 2,868 |
| Earnings coverage of net charge-offs (x) | 2.9950% | 3,094 |
| Efficiency ratio | 71.2216% | 2,480 |
| Assets per employee ($millions) | 3.7274% | 4,398 |
| Cash dividends to net income (ytd only)* | 48.1771% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5438% | 5,463 |
| Loan loss allowance to noncurrent loans | 477.9661% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,998 |
| Noncurrent loans to loans | 0.1138% | 4,667 |
| Net loans and leases to total assets | 47.7127% | 4,842 |
| Net loans and leases to deposits | 53.2167% | 5,003 |
| Net loans and leases to core deposits | 54.2546% | 5,077 |
| Total domestic deposits to total assets | 89.6572% | 659 |
| Equity capital to assets | 9.9894% | 3,922 |
| Core capital (leverage) ratio | 10.2355% | 3,225 |
| Tier 1 risk-based capital ratio | 21.2349% | 1,150 |
| Total risk-based capital ratio | 21.7767% | 1,240 |
| Memoranda: | ||
| Average total assets | $108,866,000 | 4,146 |
| Average earning assets | $103,048,000 | 4,118 |
| Average equity | $10,366,000 | 4,459 |
| Average total loans | $51,907,000 | 4,468 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 4,490 |
| Cost of funding earning assets | 0.2556% | 4,491 |
| Net interest margin | 3.3152% | 3,957 |
| Noninterest income to average assets | 0.5638% | 2,584 |
| Noninterest expense to average assets | 2.6654% | 3,264 |
| Loan and lease loss provision to assets | 0.0293% | 3,184 |
| Net operating income to assets | 0.6407% | 3,978 |
| Return on assets (ROA) | 0.6407% | 4,016 |
| Pretax return on assets | 1.0032% | 3,358 |
| Return on Equity (ROE) | 6.8966% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.8966% | 1,888 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0792% | 2,563 |
| Assets per employee ($millions) | 3.8743% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 4,725 |
| Loan loss allowance to noncurrent loans | 131.3019% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,907 |
| Noncurrent loans to loans | 0.6921% | 2,769 |
| Net loans and leases to total assets | 45.9993% | 4,941 |
| Net loans and leases to deposits | 50.8646% | 5,073 |
| Net loans and leases to core deposits | 52.0196% | 5,139 |
| Total domestic deposits to total assets | 90.4349% | 496 |
| Equity capital to assets | 9.1708% | 4,644 |
| Core capital (leverage) ratio | 10.2586% | 3,178 |
| Tier 1 risk-based capital ratio | 20.9764% | 1,220 |
| Total risk-based capital ratio | 21.8778% | 1,255 |
| Memoranda: | ||
| Average total assets | $109,251,500 | 4,183 |
| Average earning assets | $103,283,000 | 4,146 |
| Average equity | $10,150,000 | 4,519 |
| Average total loans | $51,932,000 | 4,509 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 4,516 |
| Cost of funding earning assets | 0.2784% | 4,269 |
| Net interest margin | 3.3170% | 4,094 |
| Noninterest income to average assets | 0.6468% | 2,431 |
| Noninterest expense to average assets | 2.8024% | 3,012 |
| Loan and lease loss provision to assets | 0.0283% | 3,791 |
| Net operating income to assets | 0.7246% | 3,670 |
| Return on assets (ROA) | 0.8215% | 3,300 |
| Pretax return on assets | 1.0821% | 3,168 |
| Return on Equity (ROE) | 8.2923% | 2,789 |
| Retained earnings to average equity (ytd only) | 4.9563% | 2,377 |
| Net charge-offs to loans | 0.0390% | 3,246 |
| Credit loss provision to net charge-offs | 150.0000% | 1,823 |
| Earnings coverage of net charge-offs (x) | 52.0500% | 987 |
| Efficiency ratio | 74.0334% | 2,287 |
| Assets per employee ($millions) | 3.6602% | 4,531 |
| Cash dividends to net income (ytd only)* | 40.2299% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,789 |
| Loan loss allowance to noncurrent loans | 180.2326% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 4,333 |
| Noncurrent loans to loans | 0.4990% | 3,369 |
| Net loans and leases to total assets | 48.2746% | 4,875 |
| Net loans and leases to deposits | 53.5780% | 5,033 |
| Net loans and leases to core deposits | 55.3758% | 5,076 |
| Total domestic deposits to total assets | 90.1015% | 599 |
| Equity capital to assets | 9.4171% | 4,355 |
| Core capital (leverage) ratio | 10.1751% | 3,260 |
| Tier 1 risk-based capital ratio | 20.9468% | 1,218 |
| Total risk-based capital ratio | 21.8442% | 1,246 |
| Memoranda: | ||
| Average total assets | $105,908,600 | 4,240 |
| Average earning assets | $100,211,800 | 4,201 |
| Average equity | $10,491,600 | 4,492 |
| Average total loans | $51,232,000 | 4,545 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 4,525 |
| Cost of funding earning assets | 0.2807% | 4,286 |
| Net interest margin | 3.3294% | 4,097 |
| Noninterest income to average assets | 0.6550% | 2,393 |
| Noninterest expense to average assets | 2.7120% | 3,324 |
| Loan and lease loss provision to assets | 0.0290% | 3,658 |
| Net operating income to assets | 0.6345% | 4,156 |
| Return on assets (ROA) | 0.7167% | 3,901 |
| Pretax return on assets | 1.1954% | 2,854 |
| Return on Equity (ROE) | 7.1466% | 3,478 |
| Retained earnings to average equity (ytd only) | 4.9486% | 2,863 |
| Net charge-offs to loans | 0.0209% | 3,277 |
| Credit loss provision to net charge-offs | 287.5000% | 1,076 |
| Earnings coverage of net charge-offs (x) | 108.7132% | 621 |
| Efficiency ratio | 71.2206% | 2,695 |
| Assets per employee ($millions) | 3.6583% | 4,559 |
| Cash dividends to net income (ytd only)* | 30.7559% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,831 |
| Loan loss allowance to noncurrent loans | 7,833.3333% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,515 |
| Noncurrent loans to loans | 0.0116% | 5,357 |
| Net loans and leases to total assets | 48.1798% | 4,947 |
| Net loans and leases to deposits | 54.0260% | 5,111 |
| Net loans and leases to core deposits | 55.6204% | 5,165 |
| Total domestic deposits to total assets | 89.1790% | 812 |
| Equity capital to assets | 10.2997% | 3,808 |
| Core capital (leverage) ratio | 10.2110% | 3,323 |
| Tier 1 risk-based capital ratio | 21.4361% | 1,205 |
| Total risk-based capital ratio | 22.3752% | 1,222 |
| Memoranda: | ||
| Average total assets | $105,849,000 | 4,282 |
| Average earning assets | $100,236,750 | 4,229 |
| Average equity | $10,615,500 | 4,517 |
| Average total loans | $51,113,250 | 4,581 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 4,599 |
| Cost of funding earning assets | 0.2818% | 4,327 |
| Net interest margin | 3.3154% | 4,175 |
| Noninterest income to average assets | 0.6543% | 2,354 |
| Noninterest expense to average assets | 2.7229% | 3,297 |
| Loan and lease loss provision to assets | 0.0284% | 3,555 |
| Net operating income to assets | 0.6012% | 4,262 |
| Return on assets (ROA) | 0.7053% | 3,910 |
| Pretax return on assets | 1.2026% | 2,773 |
| Return on Equity (ROE) | 7.0969% | 3,486 |
| Retained earnings to average equity (ytd only) | 3.7672% | 3,496 |
| Net charge-offs to loans | 0.0078% | 3,420 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 282.5000% | 244 |
| Efficiency ratio | 71.8204% | 2,690 |
| Assets per employee ($millions) | 3.7454% | 4,366 |
| Cash dividends to net income (ytd only)* | 46.9169% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,896 |
| Loan loss allowance to noncurrent loans | 4,680.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 5,585 |
| Noncurrent loans to loans | 0.0196% | 5,395 |
| Net loans and leases to total assets | 48.1959% | 4,976 |
| Net loans and leases to deposits | 54.3829% | 5,112 |
| Net loans and leases to core deposits | 55.6388% | 5,194 |
| Total domestic deposits to total assets | 88.6233% | 1,103 |
| Equity capital to assets | 10.2334% | 3,934 |
| Core capital (leverage) ratio | 9.8965% | 3,687 |
| Tier 1 risk-based capital ratio | 19.8769% | 1,485 |
| Total risk-based capital ratio | 20.7602% | 1,526 |
| Memoranda: | ||
| Average total assets | $105,768,670 | 4,319 |
| Average earning assets | $100,079,670 | 4,265 |
| Average equity | $10,511,670 | 4,566 |
| Average total loans | $50,956,330 | 4,613 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5620% | 4,730 |
| Cost of funding earning assets | 0.2813% | 4,373 |
| Net interest margin | 3.2807% | 4,300 |
| Noninterest income to average assets | 0.6477% | 2,278 |
| Noninterest expense to average assets | 2.7077% | 3,384 |
| Loan and lease loss provision to assets | 0.0301% | 3,258 |
| Net operating income to assets | 0.5536% | 4,399 |
| Return on assets (ROA) | 0.6741% | 3,974 |
| Pretax return on assets | 1.2164% | 2,635 |
| Return on Equity (ROE) | 6.8836% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.8836% | 1,945 |
| Net charge-offs to loans | 0.0707% | 1,774 |
| Credit loss provision to net charge-offs | 88.8889% | 1,771 |
| Earnings coverage of net charge-offs (x) | 31.2222% | 1,161 |
| Efficiency ratio | 71.9000% | 2,812 |
| Assets per employee ($millions) | 3.8094% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 5,099 |
| Loan loss allowance to noncurrent loans | 178.7402% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 4,604 |
| Noncurrent loans to loans | 0.4969% | 3,684 |
| Net loans and leases to total assets | 47.5005% | 5,007 |
| Net loans and leases to deposits | 52.9703% | 5,168 |
| Net loans and leases to core deposits | 54.1565% | 5,245 |
| Total domestic deposits to total assets | 89.6739% | 749 |
| Equity capital to assets | 9.8807% | 4,240 |
| Core capital (leverage) ratio | 9.9678% | 3,578 |
| Tier 1 risk-based capital ratio | 20.2805% | 1,445 |
| Total risk-based capital ratio | 21.1563% | 1,490 |
| Memoranda: | ||
| Average total assets | $106,217,000 | 4,341 |
| Average earning assets | $100,954,000 | 4,270 |
| Average equity | $10,401,500 | 4,596 |
| Average total loans | $50,928,500 | 4,648 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 4,603 |
| Cost of funding earning assets | 0.2896% | 4,373 |
| Net interest margin | 3.3355% | 4,164 |
| Noninterest income to average assets | 0.6880% | 2,257 |
| Noninterest expense to average assets | 2.7784% | 3,321 |
| Loan and lease loss provision to assets | 0.0291% | 3,791 |
| Net operating income to assets | 0.7868% | 3,392 |
| Return on assets (ROA) | 0.8140% | 3,358 |
| Pretax return on assets | 1.0747% | 3,173 |
| Return on Equity (ROE) | 8.4189% | 2,752 |
| Retained earnings to average equity (ytd only) | 5.1114% | 2,342 |
| Net charge-offs to loans | 0.0362% | 3,496 |
| Credit loss provision to net charge-offs | 166.6667% | 1,617 |
| Earnings coverage of net charge-offs (x) | 61.2222% | 857 |
| Efficiency ratio | 72.2348% | 2,865 |
| Assets per employee ($millions) | 3.7776% | 4,327 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 5,095 |
| Loan loss allowance to noncurrent loans | 875.0000% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 5,482 |
| Noncurrent loans to loans | 0.1025% | 5,089 |
| Net loans and leases to total assets | 47.5390% | 5,056 |
| Net loans and leases to deposits | 52.8888% | 5,223 |
| Net loans and leases to core deposits | 54.3706% | 5,289 |
| Total domestic deposits to total assets | 89.8848% | 680 |
| Equity capital to assets | 9.7039% | 4,299 |
| Core capital (leverage) ratio | 9.9900% | 3,525 |
| Tier 1 risk-based capital ratio | 20.2771% | 1,430 |
| Total risk-based capital ratio | 21.1698% | 1,469 |
| Memoranda: | ||
| Average total assets | $103,190,400 | 4,401 |
| Average earning assets | $97,706,400 | 4,346 |
| Average equity | $9,977,600 | 4,664 |
| Average total loans | $49,677,000 | 4,682 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 4,659 |
| Cost of funding earning assets | 0.2956% | 4,389 |
| Net interest margin | 3.3270% | 4,232 |
| Noninterest income to average assets | 0.6826% | 2,317 |
| Noninterest expense to average assets | 2.6966% | 3,573 |
| Loan and lease loss provision to assets | 0.0299% | 3,637 |
| Net operating income to assets | 0.6475% | 4,144 |
| Return on assets (ROA) | 0.6683% | 4,155 |
| Pretax return on assets | 1.1351% | 3,075 |
| Return on Equity (ROE) | 6.9182% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.7109% | 3,118 |
| Net charge-offs to loans | 0.0432% | 3,030 |
| Credit loss provision to net charge-offs | 143.7500% | 1,738 |
| Earnings coverage of net charge-offs (x) | 54.4444% | 987 |
| Efficiency ratio | 70.4244% | 3,144 |
| Assets per employee ($millions) | 3.5107% | 4,775 |
| Cash dividends to net income (ytd only)* | 31.9063% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 5,225 |
| Loan loss allowance to noncurrent loans | 1,363.6364% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 5,658 |
| Noncurrent loans to loans | 0.0655% | 5,354 |
| Net loans and leases to total assets | 49.0374% | 5,014 |
| Net loans and leases to deposits | 54.7117% | 5,204 |
| Net loans and leases to core deposits | 56.3074% | 5,293 |
| Total domestic deposits to total assets | 89.6287% | 716 |
| Equity capital to assets | 9.8802% | 4,302 |
| Core capital (leverage) ratio | 9.9413% | 3,720 |
| Tier 1 risk-based capital ratio | 19.9034% | 1,576 |
| Total risk-based capital ratio | 20.7837% | 1,626 |
| Memoranda: | ||
| Average total assets | $102,545,000 | 4,458 |
| Average earning assets | $96,981,000 | 4,412 |
| Average equity | $9,906,000 | 4,730 |
| Average total loans | $49,411,750 | 4,739 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,772 |
| Cost of funding earning assets | 0.3024% | 4,372 |
| Net interest margin | 3.2794% | 4,378 |
| Noninterest income to average assets | 0.6771% | 2,313 |
| Noninterest expense to average assets | 2.6929% | 3,615 |
| Loan and lease loss provision to assets | 0.0292% | 3,544 |
| Net operating income to assets | 0.6145% | 4,271 |
| Return on assets (ROA) | 0.6382% | 4,292 |
| Pretax return on assets | 1.0935% | 3,202 |
| Return on Equity (ROE) | 6.6565% | 3,809 |
| Retained earnings to average equity (ytd only) | 3.3283% | 3,928 |
| Net charge-offs to loans | -0.0122% | 4,988 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2667% | 3,118 |
| Assets per employee ($millions) | 3.5202% | 4,747 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 5,150 |
| Loan loss allowance to noncurrent loans | 439.0476% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 5,458 |
| Noncurrent loans to loans | 0.2139% | 4,917 |
| Net loans and leases to total assets | 47.6251% | 5,139 |
| Net loans and leases to deposits | 53.1169% | 5,311 |
| Net loans and leases to core deposits | 54.3527% | 5,399 |
| Total domestic deposits to total assets | 89.6608% | 809 |
| Equity capital to assets | 9.5517% | 4,595 |
| Core capital (leverage) ratio | 9.6151% | 4,120 |
| Tier 1 risk-based capital ratio | 20.3870% | 1,469 |
| Total risk-based capital ratio | 21.3280% | 1,497 |
| Memoranda: | ||
| Average total assets | $102,790,000 | 4,498 |
| Average earning assets | $97,211,670 | 4,441 |
| Average equity | $9,855,000 | 4,774 |
| Average total loans | $49,090,670 | 4,781 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 4,820 |
| Cost of funding earning assets | 0.3073% | 4,365 |
| Net interest margin | 3.2451% | 4,441 |
| Noninterest income to average assets | 0.6321% | 2,487 |
| Noninterest expense to average assets | 2.7186% | 3,525 |
| Loan and lease loss provision to assets | 0.0310% | 3,273 |
| Net operating income to assets | 0.5540% | 4,464 |
| Return on assets (ROA) | 0.6011% | 4,381 |
| Pretax return on assets | 1.0277% | 3,391 |
| Return on Equity (ROE) | 6.2582% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.2582% | 2,351 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4031% | 2,923 |
| Assets per employee ($millions) | 3.4696% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 5,350 |
| Loan loss allowance to noncurrent loans | 308.9041% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 5,393 |
| Noncurrent loans to loans | 0.2995% | 4,717 |
| Net loans and leases to total assets | 46.3982% | 5,176 |
| Net loans and leases to deposits | 51.5647% | 5,358 |
| Net loans and leases to core deposits | 52.8797% | 5,432 |
| Total domestic deposits to total assets | 89.9806% | 750 |
| Equity capital to assets | 9.6207% | 4,607 |
| Core capital (leverage) ratio | 9.6095% | 4,136 |
| Tier 1 risk-based capital ratio | 20.7661% | 1,464 |
| Total risk-based capital ratio | 21.7046% | 1,500 |
| Memoranda: | ||
| Average total assets | $103,141,500 | 4,523 |
| Average earning assets | $97,625,000 | 4,469 |
| Average equity | $9,907,000 | 4,804 |
| Average total loans | $49,096,000 | 4,813 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 4,537 |
| Cost of funding earning assets | 0.3428% | 4,331 |
| Net interest margin | 3.4413% | 4,017 |
| Noninterest income to average assets | 0.6884% | 2,351 |
| Noninterest expense to average assets | 2.7799% | 3,558 |
| Loan and lease loss provision to assets | 0.0536% | 3,488 |
| Net operating income to assets | 0.7883% | 3,434 |
| Return on assets (ROA) | 0.7592% | 3,674 |
| Pretax return on assets | 1.0513% | 3,297 |
| Return on Equity (ROE) | 8.0407% | 3,115 |
| Retained earnings to average equity (ytd only) | 4.5717% | 2,923 |
| Net charge-offs to loans | -0.2010% | 6,265 |
| Credit loss provision to net charge-offs | -55.2083% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8215% | 3,408 |
| Assets per employee ($millions) | 3.5240% | 4,862 |
| Cash dividends to net income (ytd only)* | 43.1425% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 5,487 |
| Loan loss allowance to noncurrent loans | 425.9615% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 5,626 |
| Noncurrent loans to loans | 0.2103% | 5,062 |
| Net loans and leases to total assets | 47.9505% | 5,160 |
| Net loans and leases to deposits | 53.2612% | 5,384 |
| Net loans and leases to core deposits | 54.6408% | 5,468 |
| Total domestic deposits to total assets | 90.0289% | 723 |
| Equity capital to assets | 9.5895% | 4,607 |
| Core capital (leverage) ratio | 9.7272% | 3,933 |
| Tier 1 risk-based capital ratio | 20.7288% | 1,460 |
| Total risk-based capital ratio | 21.6635% | 1,493 |
| Memoranda: | ||
| Average total assets | $98,925,800 | 4,628 |
| Average earning assets | $93,045,600 | 4,579 |
| Average equity | $9,340,000 | 4,894 |
| Average total loans | $47,753,800 | 4,890 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 4,550 |
| Cost of funding earning assets | 0.3531% | 4,310 |
| Net interest margin | 3.4458% | 4,037 |
| Noninterest income to average assets | 0.6877% | 2,392 |
| Noninterest expense to average assets | 2.7071% | 3,801 |
| Loan and lease loss provision to assets | 0.0612% | 3,137 |
| Net operating income to assets | 0.6802% | 4,043 |
| Return on assets (ROA) | 0.6645% | 4,232 |
| Pretax return on assets | 1.1307% | 3,067 |
| Return on Equity (ROE) | 7.0675% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.7262% | 3,263 |
| Net charge-offs to loans | -0.1521% | 6,247 |
| Credit loss provision to net charge-offs | -83.3333% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9990% | 3,677 |
| Assets per employee ($millions) | 3.5173% | 4,830 |
| Cash dividends to net income (ytd only)* | 33.1283% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 5,869 |
| Loan loss allowance to noncurrent loans | 188.0383% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 5,368 |
| Noncurrent loans to loans | 0.4257% | 4,629 |
| Net loans and leases to total assets | 49.4552% | 5,060 |
| Net loans and leases to deposits | 55.0350% | 5,304 |
| Net loans and leases to core deposits | 56.1906% | 5,435 |
| Total domestic deposits to total assets | 89.8614% | 800 |
| Equity capital to assets | 9.6898% | 4,561 |
| Core capital (leverage) ratio | 9.8159% | 3,918 |
| Tier 1 risk-based capital ratio | 20.3964% | 1,574 |
| Total risk-based capital ratio | 21.2208% | 1,650 |
| Memoranda: | ||
| Average total assets | $98,108,500 | 4,693 |
| Average earning assets | $92,129,500 | 4,644 |
| Average equity | $9,225,000 | 4,956 |
| Average total loans | $47,330,750 | 4,958 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,737 |
| Cost of funding earning assets | 0.3587% | 4,334 |
| Net interest margin | 3.3805% | 4,258 |
| Noninterest income to average assets | 0.6838% | 2,361 |
| Noninterest expense to average assets | 2.7046% | 3,844 |
| Loan and lease loss provision to assets | 0.0612% | 3,046 |
| Net operating income to assets | 0.6610% | 4,041 |
| Return on assets (ROA) | 0.6532% | 4,176 |
| Pretax return on assets | 1.0798% | 3,182 |
| Return on Equity (ROE) | 7.0183% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.4653% | 3,996 |
| Net charge-offs to loans | -0.0300% | 5,687 |
| Credit loss provision to net charge-offs | -428.5714% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1058% | 3,640 |
| Assets per employee ($millions) | 3.5715% | 4,715 |
| Cash dividends to net income (ytd only)* | 50.6250% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 6,185 |
| Loan loss allowance to noncurrent loans | 117.3759% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 5,237 |
| Noncurrent loans to loans | 0.5908% | 4,253 |
| Net loans and leases to total assets | 47.4001% | 5,227 |
| Net loans and leases to deposits | 52.6491% | 5,453 |
| Net loans and leases to core deposits | 54.0392% | 5,548 |
| Total domestic deposits to total assets | 90.0302% | 794 |
| Equity capital to assets | 9.4098% | 4,833 |
| Core capital (leverage) ratio | 9.3979% | 4,471 |
| Tier 1 risk-based capital ratio | 20.6434% | 1,528 |
| Total risk-based capital ratio | 21.3585% | 1,631 |
| Memoranda: | ||
| Average total assets | $97,983,000 | 4,728 |
| Average earning assets | $91,998,330 | 4,681 |
| Average equity | $9,119,000 | 5,000 |
| Average total loans | $46,741,330 | 5,011 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 4,916 |
| Cost of funding earning assets | 0.3698% | 4,317 |
| Net interest margin | 3.3106% | 4,486 |
| Noninterest income to average assets | 0.6476% | 2,478 |
| Noninterest expense to average assets | 2.7595% | 3,715 |
| Loan and lease loss provision to assets | 0.0619% | 2,881 |
| Net operating income to assets | 0.6158% | 4,121 |
| Return on assets (ROA) | 0.6022% | 4,265 |
| Pretax return on assets | 0.9075% | 3,669 |
| Return on Equity (ROE) | 6.5081% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.5081% | 2,277 |
| Net charge-offs to loans | 0.0432% | 2,779 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 775 |
| Efficiency ratio | 73.5974% | 3,215 |
| Assets per employee ($millions) | 3.5009% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 6,338 |
| Loan loss allowance to noncurrent loans | 175.7225% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 5,699 |
| Noncurrent loans to loans | 0.3717% | 5,013 |
| Net loans and leases to total assets | 47.1737% | 5,216 |
| Net loans and leases to deposits | 52.3271% | 5,438 |
| Net loans and leases to core deposits | 53.7329% | 5,520 |
| Total domestic deposits to total assets | 90.1515% | 994 |
| Equity capital to assets | 9.3578% | 4,686 |
| Core capital (leverage) ratio | 10.0088% | 3,564 |
| Tier 1 risk-based capital ratio | 20.9078% | 1,487 |
| Total risk-based capital ratio | 21.5738% | 1,606 |
| Memoranda: | ||
| Average total assets | $96,973,500 | 4,798 |
| Average earning assets | $90,859,500 | 4,752 |
| Average equity | $8,973,500 | 5,058 |
| Average total loans | $46,246,000 | 5,072 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 4,940 |
| Cost of funding earning assets | 0.4112% | 4,530 |
| Net interest margin | 3.3507% | 4,480 |
| Noninterest income to average assets | 0.7641% | 2,241 |
| Noninterest expense to average assets | 2.7626% | 3,861 |
| Loan and lease loss provision to assets | 0.0793% | 3,520 |
| Net operating income to assets | 0.7286% | 3,663 |
| Return on assets (ROA) | 0.7039% | 3,862 |
| Pretax return on assets | 1.0209% | 3,266 |
| Return on Equity (ROE) | 7.3288% | 3,394 |
| Retained earnings to average equity (ytd only) | 3.9505% | 3,392 |
| Net charge-offs to loans | 0.3286% | 2,032 |
| Credit loss provision to net charge-offs | 51.7241% | 3,771 |
| Earnings coverage of net charge-offs (x) | 7.4138% | 2,849 |
| Efficiency ratio | 70.8593% | 3,691 |
| Assets per employee ($millions) | 3.3077% | 5,275 |
| Cash dividends to net income (ytd only)* | 46.0961% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6421% | 6,428 |
| Loan loss allowance to noncurrent loans | 123.4310% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 5,516 |
| Noncurrent loans to loans | 0.5202% | 4,692 |
| Net loans and leases to total assets | 47.5918% | 5,339 |
| Net loans and leases to deposits | 52.5788% | 5,582 |
| Net loans and leases to core deposits | 53.6982% | 5,692 |
| Total domestic deposits to total assets | 90.5152% | 803 |
| Equity capital to assets | 9.1470% | 4,872 |
| Core capital (leverage) ratio | 9.9789% | 3,604 |
| Tier 1 risk-based capital ratio | 20.9862% | 1,422 |
| Total risk-based capital ratio | 21.6428% | 1,532 |
| Memoranda: | ||
| Average total assets | $94,621,800 | 4,877 |
| Average earning assets | $88,518,200 | 4,816 |
| Average equity | $9,087,400 | 5,058 |
| Average total loans | $44,128,600 | 5,183 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 5,041 |
| Cost of funding earning assets | 0.4156% | 4,669 |
| Net interest margin | 3.3322% | 4,523 |
| Noninterest income to average assets | 0.7565% | 2,335 |
| Noninterest expense to average assets | 2.6695% | 4,132 |
| Loan and lease loss provision to assets | 0.0848% | 3,364 |
| Net operating income to assets | 0.6581% | 4,078 |
| Return on assets (ROA) | 0.6617% | 4,195 |
| Pretax return on assets | 1.1255% | 2,998 |
| Return on Equity (ROE) | 6.8077% | 3,761 |
| Retained earnings to average equity (ytd only) | 4.5822% | 3,413 |
| Net charge-offs to loans | 0.5007% | 1,285 |
| Credit loss provision to net charge-offs | 36.5854% | 3,774 |
| Earnings coverage of net charge-offs (x) | 5.1951% | 3,260 |
| Efficiency ratio | 68.9051% | 3,933 |
| Assets per employee ($millions) | 3.2102% | 5,474 |
| Cash dividends to net income (ytd only)* | 32.6918% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5817% | 6,586 |
| Loan loss allowance to noncurrent loans | 167.3077% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 5,936 |
| Noncurrent loans to loans | 0.3477% | 5,338 |
| Net loans and leases to total assets | 47.9145% | 5,354 |
| Net loans and leases to deposits | 53.3105% | 5,605 |
| Net loans and leases to core deposits | 54.3213% | 5,739 |
| Total domestic deposits to total assets | 89.8783% | 1,071 |
| Equity capital to assets | 9.5180% | 4,530 |
| Core capital (leverage) ratio | 9.3228% | 4,665 |
| Tier 1 risk-based capital ratio | 21.3845% | 1,425 |
| Total risk-based capital ratio | 21.9812% | 1,526 |
| Memoranda: | ||
| Average total assets | $94,296,750 | 4,930 |
| Average earning assets | $88,227,750 | 4,864 |
| Average equity | $9,165,750 | 5,098 |
| Average total loans | $43,674,250 | 5,252 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 5,128 |
| Cost of funding earning assets | 0.4175% | 4,778 |
| Net interest margin | 3.2882% | 4,631 |
| Noninterest income to average assets | 0.7265% | 2,521 |
| Noninterest expense to average assets | 2.6294% | 4,283 |
| Loan and lease loss provision to assets | 0.0950% | 3,204 |
| Net operating income to assets | 0.6399% | 4,110 |
| Return on assets (ROA) | 0.6399% | 4,254 |
| Pretax return on assets | 1.0792% | 3,176 |
| Return on Equity (ROE) | 6.5391% | 3,860 |
| Retained earnings to average equity (ytd only) | 3.2372% | 4,251 |
| Net charge-offs to loans | 0.2265% | 2,376 |
| Credit loss provision to net charge-offs | 91.8367% | 2,400 |
| Earnings coverage of net charge-offs (x) | 11.3469% | 2,058 |
| Efficiency ratio | 69.1283% | 3,988 |
| Assets per employee ($millions) | 3.2590% | 5,358 |
| Cash dividends to net income (ytd only)* | 50.4950% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 6,333 |
| Loan loss allowance to noncurrent loans | 137.7863% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 5,660 |
| Noncurrent loans to loans | 0.5906% | 4,782 |
| Net loans and leases to total assets | 46.5544% | 5,471 |
| Net loans and leases to deposits | 51.6991% | 5,709 |
| Net loans and leases to core deposits | 52.0575% | 5,886 |
| Total domestic deposits to total assets | 90.0488% | 999 |
| Equity capital to assets | 9.4962% | 4,584 |
| Core capital (leverage) ratio | 9.7183% | 3,908 |
| Tier 1 risk-based capital ratio | 20.3635% | 1,637 |
| Total risk-based capital ratio | 21.1636% | 1,710 |
| Memoranda: | ||
| Average total assets | $94,696,670 | 4,939 |
| Average earning assets | $88,619,670 | 4,879 |
| Average equity | $9,267,330 | 5,112 |
| Average total loans | $43,276,330 | 5,292 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6421% | 5,333 |
| Cost of funding earning assets | 0.4242% | 4,874 |
| Net interest margin | 3.2179% | 4,854 |
| Noninterest income to average assets | 0.6878% | 2,663 |
| Noninterest expense to average assets | 2.6037% | 4,396 |
| Loan and lease loss provision to assets | 0.1266% | 2,651 |
| Net operating income to assets | 0.5823% | 4,302 |
| Return on assets (ROA) | 0.5823% | 4,452 |
| Pretax return on assets | 0.9664% | 3,502 |
| Return on Equity (ROE) | 5.8639% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.8639% | 2,753 |
| Net charge-offs to loans | 0.3089% | 1,727 |
| Credit loss provision to net charge-offs | 90.9091% | 2,008 |
| Earnings coverage of net charge-offs (x) | 7.8485% | 2,014 |
| Efficiency ratio | 70.4338% | 3,904 |
| Assets per employee ($millions) | 3.2904% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 6,370 |
| Loan loss allowance to noncurrent loans | 142.5197% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 5,766 |
| Noncurrent loans to loans | 0.5954% | 4,949 |
| Net loans and leases to total assets | 44.3273% | 5,623 |
| Net loans and leases to deposits | 49.4742% | 5,825 |
| Net loans and leases to core deposits | 50.0053% | 5,974 |
| Total domestic deposits to total assets | 89.5967% | 1,299 |
| Equity capital to assets | 9.9107% | 4,260 |
| Core capital (leverage) ratio | 9.6993% | 3,794 |
| Tier 1 risk-based capital ratio | 21.0139% | 1,530 |
| Total risk-based capital ratio | 21.8429% | 1,604 |
| Memoranda: | ||
| Average total assets | $94,789,500 | 4,983 |
| Average earning assets | $88,630,000 | 4,921 |
| Average equity | $9,413,500 | 5,128 |
| Average total loans | $42,734,500 | 5,348 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8106% | 5,799 |
| Cost of funding earning assets | 0.4656% | 5,452 |
| Net interest margin | 3.3450% | 5,087 |
| Noninterest income to average assets | 0.7568% | 2,460 |
| Noninterest expense to average assets | 2.7473% | 4,226 |
| Loan and lease loss provision to assets | 0.1263% | 4,034 |
| Net operating income to assets | 0.6958% | 3,759 |
| Return on assets (ROA) | 0.6958% | 4,015 |
| Pretax return on assets | 0.9989% | 3,550 |
| Return on Equity (ROE) | 7.1697% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.0024% | 3,387 |
| Net charge-offs to loans | 0.1396% | 4,297 |
| Credit loss provision to net charge-offs | 214.2857% | 1,182 |
| Earnings coverage of net charge-offs (x) | 19.0893% | 1,407 |
| Efficiency ratio | 70.9432% | 3,632 |
| Assets per employee ($millions) | 3.2468% | 5,522 |
| Cash dividends to net income (ytd only)* | 44.1755% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 6,390 |
| Loan loss allowance to noncurrent loans | 28.9913% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 3,406 |
| Noncurrent loans to loans | 2.9410% | 1,778 |
| Net loans and leases to total assets | 45.0779% | 5,716 |
| Net loans and leases to deposits | 50.4751% | 5,923 |
| Net loans and leases to core deposits | 51.0242% | 6,085 |
| Total domestic deposits to total assets | 89.3072% | 1,367 |
| Equity capital to assets | 9.9515% | 4,236 |
| Core capital (leverage) ratio | 9.7102% | 3,788 |
| Tier 1 risk-based capital ratio | 20.7198% | 1,522 |
| Total risk-based capital ratio | 21.5564% | 1,574 |
| Memoranda: | ||
| Average total assets | $95,003,200 | 4,968 |
| Average earning assets | $88,489,400 | 4,910 |
| Average equity | $9,219,400 | 5,166 |
| Average total loans | $40,113,800 | 5,499 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 6,015 |
| Cost of funding earning assets | 0.4708% | 5,632 |
| Net interest margin | 3.3331% | 5,270 |
| Noninterest income to average assets | 0.7506% | 2,482 |
| Noninterest expense to average assets | 2.6186% | 4,680 |
| Loan and lease loss provision to assets | 0.1260% | 3,976 |
| Net operating income to assets | 0.6595% | 4,092 |
| Return on assets (ROA) | 0.6595% | 4,360 |
| Pretax return on assets | 1.1090% | 3,319 |
| Return on Equity (ROE) | 6.8394% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.7194% | 3,583 |
| Net charge-offs to loans | 0.1859% | 3,630 |
| Credit loss provision to net charge-offs | 163.6364% | 1,700 |
| Earnings coverage of net charge-offs (x) | 16.0367% | 1,720 |
| Efficiency ratio | 67.9506% | 4,076 |
| Assets per employee ($millions) | 3.2703% | 5,504 |
| Cash dividends to net income (ytd only)* | 30.9978% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 6,583 |
| Loan loss allowance to noncurrent loans | 29.6296% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 1.1957% | 3,894 |
| Noncurrent loans to loans | 2.7275% | 2,077 |
| Net loans and leases to total assets | 43.4848% | 6,008 |
| Net loans and leases to deposits | 48.6080% | 6,223 |
| Net loans and leases to core deposits | 50.9519% | 6,243 |
| Total domestic deposits to total assets | 89.4601% | 1,152 |
| Equity capital to assets | 9.8840% | 4,662 |
| Core capital (leverage) ratio | 9.5572% | 4,184 |
| Tier 1 risk-based capital ratio | 20.6668% | 1,604 |
| Total risk-based capital ratio | 21.4387% | 1,680 |
| Memoranda: | ||
| Average total assets | $95,214,750 | 5,011 |
| Average earning assets | $88,643,750 | 4,954 |
| Average equity | $9,181,750 | 5,223 |
| Average total loans | $39,440,000 | 5,600 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 6,139 |
| Cost of funding earning assets | 0.4661% | 5,859 |
| Net interest margin | 3.3349% | 5,330 |
| Noninterest income to average assets | 0.7426% | 2,457 |
| Noninterest expense to average assets | 2.5698% | 4,882 |
| Loan and lease loss provision to assets | 0.1259% | 3,948 |
| Net operating income to assets | 0.6524% | 4,098 |
| Return on assets (ROA) | 0.6524% | 4,358 |
| Pretax return on assets | 1.1538% | 3,105 |
| Return on Equity (ROE) | 6.8219% | 3,872 |
| Retained earnings to average equity (ytd only) | 3.6193% | 4,188 |
| Net charge-offs to loans | -0.0516% | 6,671 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7575% | 4,370 |
| Assets per employee ($millions) | 3.1530% | 5,737 |
| Cash dividends to net income (ytd only)* | 46.9453% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 6,388 |
| Loan loss allowance to noncurrent loans | 38.8889% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0086% | 4,357 |
| Noncurrent loans to loans | 2.3845% | 2,515 |
| Net loans and leases to total assets | 41.9040% | 6,192 |
| Net loans and leases to deposits | 46.7528% | 6,387 |
| Net loans and leases to core deposits | 49.0072% | 6,400 |
| Total domestic deposits to total assets | 89.6289% | 1,145 |
| Equity capital to assets | 9.7040% | 4,759 |
| Core capital (leverage) ratio | 9.4375% | 4,235 |
| Tier 1 risk-based capital ratio | 20.4353% | 1,595 |
| Total risk-based capital ratio | 21.2934% | 1,661 |
| Memoranda: | ||
| Average total assets | $95,339,670 | 5,023 |
| Average earning assets | $88,818,670 | 4,969 |
| Average equity | $9,117,670 | 5,235 |
| Average total loans | $38,727,670 | 5,656 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 6,325 |
| Cost of funding earning assets | 0.4625% | 6,064 |
| Net interest margin | 3.2958% | 5,495 |
| Noninterest income to average assets | 0.7104% | 2,613 |
| Noninterest expense to average assets | 2.5451% | 5,005 |
| Loan and lease loss provision to assets | 0.1254% | 3,782 |
| Net operating income to assets | 0.6269% | 4,234 |
| Return on assets (ROA) | 0.6269% | 4,442 |
| Pretax return on assets | 1.1075% | 3,295 |
| Return on Equity (ROE) | 6.6028% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.6028% | 2,631 |
| Net charge-offs to loans | -0.0630% | 6,625 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3673% | 4,292 |
| Assets per employee ($millions) | 3.2539% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 6,608 |
| Loan loss allowance to noncurrent loans | 35.3249% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9773% | 4,555 |
| Noncurrent loans to loans | 2.4674% | 2,640 |
| Net loans and leases to total assets | 39.2622% | 6,406 |
| Net loans and leases to deposits | 43.5866% | 6,579 |
| Net loans and leases to core deposits | 45.4364% | 6,604 |
| Total domestic deposits to total assets | 90.0787% | 1,041 |
| Equity capital to assets | 9.3559% | 5,021 |
| Core capital (leverage) ratio | 9.4804% | 4,080 |
| Tier 1 risk-based capital ratio | 20.7754% | 1,531 |
| Total risk-based capital ratio | 21.5692% | 1,605 |
| Memoranda: | ||
| Average total assets | $95,714,500 | 5,044 |
| Average earning assets | $89,082,000 | 4,993 |
| Average equity | $9,087,000 | 5,264 |
| Average total loans | $38,087,500 | 5,728 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 6,544 |
| Cost of funding earning assets | 0.5145% | 6,473 |
| Net interest margin | 3.4398% | 5,367 |
| Noninterest income to average assets | 0.7682% | 2,244 |
| Noninterest expense to average assets | 2.7189% | 4,674 |
| Loan and lease loss provision to assets | 0.1700% | 4,515 |
| Net operating income to assets | 0.6853% | 3,555 |
| Return on assets (ROA) | 0.6853% | 3,746 |
| Pretax return on assets | 1.0264% | 3,136 |
| Return on Equity (ROE) | 7.3422% | 3,223 |
| Retained earnings to average equity (ytd only) | 4.2915% | 3,127 |
| Net charge-offs to loans | 0.8930% | 1,946 |
| Credit loss provision to net charge-offs | 50.4732% | 5,411 |
| Earnings coverage of net charge-offs (x) | 3.5521% | 3,473 |
| Efficiency ratio | 69.4437% | 4,067 |
| Assets per employee ($millions) | 3.1270% | 5,850 |
| Cash dividends to net income (ytd only)* | 41.5504% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 6,731 |
| Loan loss allowance to noncurrent loans | 30.3427% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 4,501 |
| Noncurrent loans to loans | 2.6446% | 2,458 |
| Net loans and leases to total assets | 39.6649% | 6,561 |
| Net loans and leases to deposits | 44.1809% | 6,713 |
| Net loans and leases to core deposits | 48.1440% | 6,637 |
| Total domestic deposits to total assets | 89.7784% | 1,116 |
| Equity capital to assets | 9.6375% | 4,693 |
| Core capital (leverage) ratio | 9.3762% | 4,218 |
| Tier 1 risk-based capital ratio | 20.8489% | 1,448 |
| Total risk-based capital ratio | 21.5727% | 1,538 |
| Memoranda: | ||
| Average total assets | $94,118,800 | 5,072 |
| Average earning assets | $86,110,400 | 5,055 |
| Average equity | $8,784,800 | 5,341 |
| Average total loans | $35,499,400 | 5,893 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 6,620 |
| Cost of funding earning assets | 0.5299% | 6,577 |
| Net interest margin | 3.4484% | 5,400 |
| Noninterest income to average assets | 0.7573% | 2,280 |
| Noninterest expense to average assets | 2.6780% | 4,811 |
| Loan and lease loss provision to assets | 0.1274% | 4,838 |
| Net operating income to assets | 0.6355% | 3,940 |
| Return on assets (ROA) | 0.6355% | 4,126 |
| Pretax return on assets | 1.0927% | 3,044 |
| Return on Equity (ROE) | 6.8647% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.8160% | 3,299 |
| Net charge-offs to loans | 0.5296% | 2,643 |
| Credit loss provision to net charge-offs | 64.7482% | 4,642 |
| Earnings coverage of net charge-offs (x) | 6.2014% | 2,598 |
| Efficiency ratio | 68.7001% | 4,175 |
| Assets per employee ($millions) | 3.0606% | 5,991 |
| Cash dividends to net income (ytd only)* | 29.8438% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 5,705 |
| Loan loss allowance to noncurrent loans | 163.6000% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 6,385 |
| Noncurrent loans to loans | 0.6998% | 5,484 |
| Net loans and leases to total assets | 38.4652% | 6,745 |
| Net loans and leases to deposits | 42.9764% | 6,874 |
| Net loans and leases to core deposits | 47.5689% | 6,778 |
| Total domestic deposits to total assets | 89.5031% | 1,144 |
| Equity capital to assets | 9.8358% | 4,573 |
| Core capital (leverage) ratio | 9.1042% | 4,782 |
| Tier 1 risk-based capital ratio | 21.3700% | 1,386 |
| Total risk-based capital ratio | 22.3855% | 1,406 |
| Memoranda: | ||
| Average total assets | $94,195,750 | 5,096 |
| Average earning assets | $85,796,500 | 5,098 |
| Average equity | $8,720,750 | 5,382 |
| Average total loans | $34,996,500 | 5,971 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 6,686 |
| Cost of funding earning assets | 0.5552% | 6,643 |
| Net interest margin | 3.4286% | 5,449 |
| Noninterest income to average assets | 0.7243% | 2,407 |
| Noninterest expense to average assets | 2.6782% | 4,905 |
| Loan and lease loss provision to assets | 0.1263% | 4,712 |
| Net operating income to assets | 0.6127% | 3,996 |
| Return on assets (ROA) | 0.6127% | 4,128 |
| Pretax return on assets | 1.0275% | 3,129 |
| Return on Equity (ROE) | 6.7538% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.6438% | 3,909 |
| Net charge-offs to loans | 0.6618% | 2,187 |
| Credit loss provision to net charge-offs | 52.1739% | 4,529 |
| Earnings coverage of net charge-offs (x) | 4.7652% | 2,785 |
| Efficiency ratio | 69.8901% | 4,142 |
| Assets per employee ($millions) | 3.1191% | 5,835 |
| Cash dividends to net income (ytd only)* | 46.0481% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,727 |
| Loan loss allowance to noncurrent loans | 158.6614% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,446 |
| Noncurrent loans to loans | 0.7303% | 5,451 |
| Net loans and leases to total assets | 36.7388% | 6,923 |
| Net loans and leases to deposits | 40.9384% | 7,033 |
| Net loans and leases to core deposits | 47.5517% | 6,876 |
| Total domestic deposits to total assets | 89.7418% | 1,103 |
| Equity capital to assets | 9.4236% | 4,933 |
| Core capital (leverage) ratio | 8.9868% | 4,746 |
| Tier 1 risk-based capital ratio | 20.4911% | 1,519 |
| Total risk-based capital ratio | 21.4690% | 1,543 |
| Memoranda: | ||
| Average total assets | $94,988,330 | 5,108 |
| Average earning assets | $86,098,670 | 5,124 |
| Average equity | $8,617,330 | 5,427 |
| Average total loans | $34,753,000 | 6,037 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 6,846 |
| Cost of funding earning assets | 0.5833% | 6,678 |
| Net interest margin | 3.2978% | 5,787 |
| Noninterest income to average assets | 0.6771% | 2,690 |
| Noninterest expense to average assets | 2.6417% | 5,078 |
| Loan and lease loss provision to assets | 0.1254% | 4,431 |
| Net operating income to assets | 0.5601% | 4,231 |
| Return on assets (ROA) | 0.5601% | 4,308 |
| Pretax return on assets | 0.9112% | 3,458 |
| Return on Equity (ROE) | 6.2933% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.2933% | 2,466 |
| Net charge-offs to loans | 1.3817% | 995 |
| Credit loss provision to net charge-offs | 25.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | 2.0667% | 3,263 |
| Efficiency ratio | 71.8182% | 3,910 |
| Assets per employee ($millions) | 3.1713% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 6,160 |
| Loan loss allowance to noncurrent loans | 144.3137% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 6,510 |
| Noncurrent loans to loans | 0.7413% | 5,532 |
| Net loans and leases to total assets | 35.7691% | 7,014 |
| Net loans and leases to deposits | 40.9137% | 7,062 |
| Net loans and leases to core deposits | 47.1101% | 6,917 |
| Total domestic deposits to total assets | 87.4256% | 2,700 |
| Equity capital to assets | 9.0122% | 5,189 |
| Core capital (leverage) ratio | 8.7699% | 4,969 |
| Tier 1 risk-based capital ratio | 20.3474% | 1,515 |
| Total risk-based capital ratio | 21.2364% | 1,557 |
| Memoranda: | ||
| Average total assets | $95,695,500 | 5,111 |
| Average earning assets | $87,089,500 | 5,124 |
| Average equity | $8,517,000 | 5,456 |
| Average total loans | $34,739,000 | 6,093 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 6,622 |
| Cost of funding earning assets | 0.7998% | 6,572 |
| Net interest margin | 3.5958% | 4,839 |
| Noninterest income to average assets | 0.7400% | 2,593 |
| Noninterest expense to average assets | 2.8230% | 4,509 |
| Loan and lease loss provision to assets | 0.1306% | 5,862 |
| Net operating income to assets | 0.6279% | 3,547 |
| Return on assets (ROA) | 0.6279% | 3,710 |
| Pretax return on assets | 0.9425% | 3,127 |
| Return on Equity (ROE) | 6.8171% | 3,207 |
| Retained earnings to average equity (ytd only) | 3.6508% | 3,305 |
| Net charge-offs to loans | 0.3008% | 4,511 |
| Credit loss provision to net charge-offs | 113.2075% | 3,847 |
| Earnings coverage of net charge-offs (x) | 9.3019% | 1,844 |
| Efficiency ratio | 72.4581% | 3,712 |
| Assets per employee ($millions) | 3.2084% | 5,649 |
| Cash dividends to net income (ytd only)* | 46.4471% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,977 |
| Loan loss allowance to noncurrent loans | 458.0000% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 6,972 |
| Noncurrent loans to loans | 0.2851% | 6,486 |
| Net loans and leases to total assets | 35.9698% | 7,156 |
| Net loans and leases to deposits | 40.1820% | 7,248 |
| Net loans and leases to core deposits | 49.3022% | 7,009 |
| Total domestic deposits to total assets | 89.5172% | 1,377 |
| Equity capital to assets | 8.7893% | 5,450 |
| Core capital (leverage) ratio | 8.7437% | 4,955 |
| Tier 1 risk-based capital ratio | 19.7030% | 1,552 |
| Total risk-based capital ratio | 20.7912% | 1,556 |
| Memoranda: | ||
| Average total assets | $91,887,200 | 5,227 |
| Average earning assets | $80,649,200 | 5,323 |
| Average equity | $8,464,000 | 5,561 |
| Average total loans | $35,239,000 | 6,146 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 6,604 |
| Cost of funding earning assets | 0.8345% | 6,638 |
| Net interest margin | 3.6673% | 4,558 |
| Noninterest income to average assets | 0.7357% | 2,606 |
| Noninterest expense to average assets | 2.8062% | 4,458 |
| Loan and lease loss provision to assets | 0.1322% | 5,705 |
| Net operating income to assets | 0.5742% | 3,987 |
| Return on assets (ROA) | 0.5742% | 4,151 |
| Pretax return on assets | 0.9853% | 3,237 |
| Return on Equity (ROE) | 6.1585% | 3,746 |
| Retained earnings to average equity (ytd only) | 4.0480% | 3,628 |
| Net charge-offs to loans | 0.1285% | 5,265 |
| Credit loss provision to net charge-offs | 264.7059% | 1,244 |
| Earnings coverage of net charge-offs (x) | 22.3834% | 1,096 |
| Efficiency ratio | 71.5195% | 3,793 |
| Assets per employee ($millions) | 3.2864% | 5,501 |
| Cash dividends to net income (ytd only)* | 34.2707% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 4,414 |
| Loan loss allowance to noncurrent loans | 276.2431% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 6,874 |
| Noncurrent loans to loans | 0.5099% | 6,178 |
| Net loans and leases to total assets | 38.0328% | 7,182 |
| Net loans and leases to deposits | 42.3221% | 7,292 |
| Net loans and leases to core deposits | 52.4229% | 7,031 |
| Total domestic deposits to total assets | 89.8650% | 947 |
| Equity capital to assets | 9.5155% | 4,819 |
| Core capital (leverage) ratio | 8.9041% | 4,845 |
| Tier 1 risk-based capital ratio | 19.8368% | 1,582 |
| Total risk-based capital ratio | 21.0403% | 1,558 |
| Memoranda: | ||
| Average total assets | $90,795,750 | 5,330 |
| Average earning assets | $78,930,000 | 5,441 |
| Average equity | $8,465,000 | 5,635 |
| Average total loans | $35,278,750 | 6,228 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 6,621 |
| Cost of funding earning assets | 0.8311% | 6,815 |
| Net interest margin | 3.7044% | 4,340 |
| Noninterest income to average assets | 0.7302% | 2,516 |
| Noninterest expense to average assets | 2.8278% | 4,368 |
| Loan and lease loss provision to assets | 0.1328% | 5,560 |
| Net operating income to assets | 0.5465% | 4,112 |
| Return on assets (ROA) | 0.5465% | 4,250 |
| Pretax return on assets | 0.9846% | 3,180 |
| Return on Equity (ROE) | 5.9034% | 3,850 |
| Retained earnings to average equity (ytd only) | 2.7008% | 4,418 |
| Net charge-offs to loans | 0.0625% | 5,516 |
| Credit loss provision to net charge-offs | 545.4545% | 676 |
| Earnings coverage of net charge-offs (x) | 45.9091% | 644 |
| Efficiency ratio | 71.6769% | 3,867 |
| Assets per employee ($millions) | 3.2387% | 5,575 |
| Cash dividends to net income (ytd only)* | 54.2510% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 4,530 |
| Loan loss allowance to noncurrent loans | 251.5306% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 6,858 |
| Noncurrent loans to loans | 0.5484% | 6,157 |
| Net loans and leases to total assets | 38.8712% | 7,226 |
| Net loans and leases to deposits | 48.6697% | 7,128 |
| Net loans and leases to core deposits | 55.2889% | 6,977 |
| Total domestic deposits to total assets | 79.8675% | 5,767 |
| Equity capital to assets | 9.3754% | 4,893 |
| Core capital (leverage) ratio | 8.7594% | 4,992 |
| Tier 1 risk-based capital ratio | 19.4350% | 1,621 |
| Total risk-based capital ratio | 20.6183% | 1,603 |
| Memoranda: | ||
| Average total assets | $90,388,330 | 5,374 |
| Average earning assets | $78,447,330 | 5,493 |
| Average equity | $8,368,000 | 5,676 |
| Average total loans | $35,206,000 | 6,280 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 6,983 |
| Cost of funding earning assets | 0.8023% | 7,081 |
| Net interest margin | 3.6079% | 4,692 |
| Noninterest income to average assets | 0.6782% | 2,751 |
| Noninterest expense to average assets | 2.8502% | 4,279 |
| Loan and lease loss provision to assets | 0.1330% | 5,238 |
| Net operating income to assets | 0.4832% | 4,484 |
| Return on assets (ROA) | 0.4832% | 4,614 |
| Pretax return on assets | 0.8644% | 3,606 |
| Return on Equity (ROE) | 5.2524% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.2524% | 3,012 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0783% | 3,563 |
| Assets per employee ($millions) | 3.3051% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,621 |
| Loan loss allowance to noncurrent loans | 261.8785% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 6,923 |
| Noncurrent loans to loans | 0.5198% | 6,250 |
| Net loans and leases to total assets | 37.1150% | 7,384 |
| Net loans and leases to deposits | 47.3034% | 7,263 |
| Net loans and leases to core deposits | 53.7159% | 7,123 |
| Total domestic deposits to total assets | 78.4617% | 6,211 |
| Equity capital to assets | 8.9970% | 5,284 |
| Core capital (leverage) ratio | 9.0810% | 4,413 |
| Tier 1 risk-based capital ratio | 19.5975% | 1,605 |
| Total risk-based capital ratio | 20.7454% | 1,591 |
| Memoranda: | ||
| Average total assets | $90,240,500 | 5,440 |
| Average earning assets | $79,270,000 | 5,531 |
| Average equity | $8,301,000 | 5,738 |
| Average total loans | $34,937,500 | 6,371 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 6,938 |
| Cost of funding earning assets | 0.9325% | 7,338 |
| Net interest margin | 3.8740% | 3,380 |
| Noninterest income to average assets | 0.7761% | 2,532 |
| Noninterest expense to average assets | 3.0444% | 3,966 |
| Loan and lease loss provision to assets | 0.1095% | 6,553 |
| Net operating income to assets | 0.7290% | 2,816 |
| Return on assets (ROA) | 0.7290% | 2,892 |
| Pretax return on assets | 1.1059% | 2,229 |
| Return on Equity (ROE) | 7.7294% | 2,485 |
| Retained earnings to average equity (ytd only) | 4.6701% | 1,991 |
| Net charge-offs to loans | 0.5439% | 3,615 |
| Credit loss provision to net charge-offs | 49.4681% | 6,753 |
| Earnings coverage of net charge-offs (x) | 5.4894% | 2,583 |
| Efficiency ratio | 71.4681% | 4,358 |
| Assets per employee ($millions) | 3.1407% | 5,888 |
| Cash dividends to net income (ytd only)* | 39.5800% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,957 |
| Loan loss allowance to noncurrent loans | 223.1156% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 6,831 |
| Noncurrent loans to loans | 0.5677% | 6,105 |
| Net loans and leases to total assets | 39.3568% | 7,383 |
| Net loans and leases to deposits | 48.6875% | 7,330 |
| Net loans and leases to core deposits | 60.0035% | 7,264 |
| Total domestic deposits to total assets | 80.8356% | 5,394 |
| Equity capital to assets | 9.4111% | 4,538 |
| Core capital (leverage) ratio | 9.2730% | 4,015 |
| Tier 1 risk-based capital ratio | 19.5874% | 1,549 |
| Total risk-based capital ratio | 20.6766% | 1,531 |
| Memoranda: | ||
| Average total assets | $84,910,600 | 5,563 |
| Average earning assets | $76,354,400 | 5,590 |
| Average equity | $8,008,400 | 5,920 |
| Average total loans | $34,567,200 | 6,370 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 7,052 |
| Cost of funding earning assets | 0.9635% | 7,459 |
| Net interest margin | 3.8663% | 3,359 |
| Noninterest income to average assets | 0.7589% | 2,654 |
| Noninterest expense to average assets | 2.9770% | 4,136 |
| Loan and lease loss provision to assets | 0.1093% | 6,279 |
| Net operating income to assets | 0.6591% | 3,361 |
| Return on assets (ROA) | 0.6591% | 3,421 |
| Pretax return on assets | 1.1693% | 2,358 |
| Return on Equity (ROE) | 6.9842% | 3,078 |
| Retained earnings to average equity (ytd only) | 4.9360% | 2,529 |
| Net charge-offs to loans | 0.0929% | 5,750 |
| Credit loss provision to net charge-offs | 287.5000% | 1,447 |
| Earnings coverage of net charge-offs (x) | 33.6241% | 858 |
| Efficiency ratio | 69.9553% | 4,601 |
| Assets per employee ($millions) | 2.9827% | 6,205 |
| Cash dividends to net income (ytd only)* | 29.3266% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 2,579 |
| Loan loss allowance to noncurrent loans | 167.3352% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 6,408 |
| Noncurrent loans to loans | 1.0237% | 5,260 |
| Net loans and leases to total assets | 40.1233% | 7,462 |
| Net loans and leases to deposits | 50.4958% | 7,387 |
| Net loans and leases to core deposits | 60.3027% | 7,389 |
| Total domestic deposits to total assets | 79.4588% | 5,641 |
| Equity capital to assets | 9.7408% | 4,433 |
| Core capital (leverage) ratio | 9.3359% | 4,130 |
| Tier 1 risk-based capital ratio | 20.1258% | 1,534 |
| Total risk-based capital ratio | 21.3786% | 1,484 |
| Memoranda: | ||
| Average total assets | $84,153,500 | 5,618 |
| Average earning assets | $76,108,750 | 5,627 |
| Average equity | $7,941,500 | 6,003 |
| Average total loans | $34,445,500 | 6,426 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 7,126 |
| Cost of funding earning assets | 0.9736% | 7,593 |
| Net interest margin | 3.8813% | 3,203 |
| Noninterest income to average assets | 0.6851% | 3,085 |
| Noninterest expense to average assets | 2.9277% | 4,398 |
| Loan and lease loss provision to assets | 0.1114% | 6,031 |
| Net operating income to assets | 0.6543% | 3,448 |
| Return on assets (ROA) | 0.6543% | 3,558 |
| Pretax return on assets | 1.1521% | 2,456 |
| Return on Equity (ROE) | 7.0077% | 3,199 |
| Retained earnings to average equity (ytd only) | 3.9101% | 3,108 |
| Net charge-offs to loans | 0.0289% | 6,067 |
| Credit loss provision to net charge-offs | 940.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 106.6000% | 364 |
| Efficiency ratio | 69.8529% | 4,811 |
| Assets per employee ($millions) | 2.9742% | 6,203 |
| Cash dividends to net income (ytd only)* | 44.2029% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 2,359 |
| Loan loss allowance to noncurrent loans | 77.8523% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.8637% | 5,259 |
| Noncurrent loans to loans | 2.1822% | 3,278 |
| Net loans and leases to total assets | 38.9092% | 7,602 |
| Net loans and leases to deposits | 54.1736% | 7,260 |
| Net loans and leases to core deposits | 59.4772% | 7,468 |
| Total domestic deposits to total assets | 71.8233% | 7,262 |
| Equity capital to assets | 9.1302% | 5,122 |
| Core capital (leverage) ratio | 9.4172% | 4,006 |
| Tier 1 risk-based capital ratio | 19.3548% | 1,709 |
| Total risk-based capital ratio | 20.6063% | 1,665 |
| Memoranda: | ||
| Average total assets | $84,366,330 | 5,634 |
| Average earning assets | $76,211,670 | 5,663 |
| Average equity | $7,877,000 | 6,063 |
| Average total loans | $34,563,000 | 6,477 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 6,854 |
| Cost of funding earning assets | 1.0001% | 7,672 |
| Net interest margin | 4.0323% | 2,526 |
| Noninterest income to average assets | 0.6425% | 3,252 |
| Noninterest expense to average assets | 2.8961% | 4,169 |
| Loan and lease loss provision to assets | 0.1103% | 5,553 |
| Net operating income to assets | 0.7096% | 3,509 |
| Return on assets (ROA) | 0.7096% | 3,703 |
| Pretax return on assets | 1.2706% | 2,376 |
| Return on Equity (ROE) | 7.5146% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.5146% | 2,017 |
| Net charge-offs to loans | 0.0230% | 5,234 |
| Credit loss provision to net charge-offs | 1,150.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 307 |
| Efficiency ratio | 67.7130% | 5,019 |
| Assets per employee ($millions) | 2.7745% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 2,359 |
| Loan loss allowance to noncurrent loans | 1,217.3913% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 7,429 |
| Noncurrent loans to loans | 0.1346% | 7,137 |
| Net loans and leases to total assets | 41.7718% | 7,478 |
| Net loans and leases to deposits | 55.3889% | 7,196 |
| Net loans and leases to core deposits | 61.4229% | 7,410 |
| Total domestic deposits to total assets | 75.4154% | 6,622 |
| Equity capital to assets | 9.8470% | 4,185 |
| Core capital (leverage) ratio | 9.4691% | 4,019 |
| Tier 1 risk-based capital ratio | 19.9296% | 1,636 |
| Total risk-based capital ratio | 21.1808% | 1,593 |
| Memoranda: | ||
| Average total assets | $83,423,500 | 5,689 |
| Average earning assets | $75,193,500 | 5,725 |
| Average equity | $7,878,000 | 6,100 |
| Average total loans | $34,774,500 | 6,505 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1926% | 4,558 |
| Cost of funding earning assets | 2.0782% | 6,139 |
| Net interest margin | 4.1144% | 2,650 |
| Noninterest income to average assets | 0.7357% | 2,869 |
| Noninterest expense to average assets | 3.1461% | 3,529 |
| Loan and lease loss provision to assets | 0.1218% | 5,800 |
| Net operating income to assets | 0.7746% | 3,551 |
| Return on assets (ROA) | 0.7746% | 3,388 |
| Pretax return on assets | 1.1668% | 2,779 |
| Return on Equity (ROE) | 8.6670% | 2,768 |
| Retained earnings to average equity (ytd only) | 5.2874% | 1,869 |
| Net charge-offs to loans | 0.1595% | 4,595 |
| Credit loss provision to net charge-offs | 178.5714% | 2,828 |
| Earnings coverage of net charge-offs (x) | 18.8929% | 1,673 |
| Efficiency ratio | 70.9420% | 4,147 |
| Assets per employee ($millions) | 2.9788% | 6,106 |
| Cash dividends to net income (ytd only)* | 38.9937% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 2,573 |
| Loan loss allowance to noncurrent loans | 612.5000% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 7,174 |
| Noncurrent loans to loans | 0.2487% | 6,641 |
| Net loans and leases to total assets | 40.3306% | 7,655 |
| Net loans and leases to deposits | 59.6902% | 7,115 |
| Net loans and leases to core deposits | 66.4074% | 7,348 |
| Total domestic deposits to total assets | 67.5665% | 7,511 |
| Equity capital to assets | 9.0674% | 5,270 |
| Core capital (leverage) ratio | 8.8793% | 4,927 |
| Tier 1 risk-based capital ratio | 18.5082% | 1,916 |
| Total risk-based capital ratio | 19.7583% | 1,860 |
| Memoranda: | ||
| Average total assets | $82,102,600 | 5,627 |
| Average earning assets | $73,814,400 | 5,669 |
| Average equity | $7,338,200 | 6,338 |
| Average total loans | $35,101,000 | 6,420 |