Home > American Heritage Bank > Performance and Condition Ratios
American Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8074% | 824 |
| Cost of funding earning assets | 0.8190% | 3,685 |
| Net interest margin | 4.9885% | 317 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.4171% | 2,537 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.8956% | 529 |
| Return on assets (ROA) | 1.9044% | 508 |
| Pretax return on assets | 2.5003% | 339 |
| Return on Equity (ROE) | 24.9400% | 315 |
| Retained earnings to average equity (ytd only) | 15.9640% | 273 |
| Net charge-offs to loans | 0.1747% | 612 |
| Credit loss provision to net charge-offs | 133.9286% | 1,568 |
| Earnings coverage of net charge-offs (x) | 29.3839% | 1,646 |
| Efficiency ratio | 48.0997% | 4,087 |
| Assets per employee ($millions) | 6.4182% | 2,467 |
| Cash dividends to net income (ytd only)* | 35.9967% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 953 |
| Loan loss allowance to noncurrent loans | 313.5447% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 1,875 |
| Noncurrent loans to loans | 0.4925% | 1,555 |
| Net loans and leases to total assets | 54.0400% | 3,346 |
| Net loans and leases to deposits | 59.6589% | 3,546 |
| Net loans and leases to core deposits | 65.9457% | 3,500 |
| Total domestic deposits to total assets | 90.5800% | 609 |
| Equity capital to assets | 8.7634% | 2,851 |
| Core capital (leverage) ratio | 11.5094% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6435% | 971 |
| Memoranda: | ||
| Average total assets | $126,182,400 | 3,587 |
| Average earning assets | $116,488,800 | 3,580 |
| Average equity | $9,634,200 | 3,762 |
| Average total loans | $64,099,000 | 3,645 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6510% | 850 |
| Cost of funding earning assets | 0.7598% | 3,638 |
| Net interest margin | 4.8912% | 358 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.4684% | 2,321 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.8394% | 612 |
| Return on assets (ROA) | 1.8805% | 569 |
| Pretax return on assets | 2.4610% | 395 |
| Return on Equity (ROE) | 25.6000% | 367 |
| Retained earnings to average equity (ytd only) | 13.1012% | 799 |
| Net charge-offs to loans | 0.1109% | 717 |
| Credit loss provision to net charge-offs | 86.5385% | 1,719 |
| Earnings coverage of net charge-offs (x) | 44.5192% | 1,386 |
| Efficiency ratio | 50.1185% | 3,905 |
| Assets per employee ($millions) | 6.5810% | 2,263 |
| Cash dividends to net income (ytd only)* | 48.8149% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,062 |
| Loan loss allowance to noncurrent loans | 304.9708% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 1,972 |
| Noncurrent loans to loans | 0.4981% | 1,569 |
| Net loans and leases to total assets | 51.3700% | 3,537 |
| Net loans and leases to deposits | 58.0524% | 3,604 |
| Net loans and leases to core deposits | 63.7708% | 3,538 |
| Total domestic deposits to total assets | 88.4900% | 1,413 |
| Equity capital to assets | 6.9944% | 3,614 |
| Core capital (leverage) ratio | 11.1817% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7013% | 1,158 |
| Memoranda: | ||
| Average total assets | $125,637,250 | 3,611 |
| Average earning assets | $115,824,000 | 3,599 |
| Average equity | $9,230,500 | 3,796 |
| Average total loans | $62,511,000 | 3,677 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 830 |
| Cost of funding earning assets | 0.6712% | 3,563 |
| Net interest margin | 4.8297% | 386 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.4959% | 2,217 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.7927% | 667 |
| Return on assets (ROA) | 1.8553% | 600 |
| Pretax return on assets | 2.4118% | 396 |
| Return on Equity (ROE) | 24.8300% | 392 |
| Retained earnings to average equity (ytd only) | 6.1048% | 2,585 |
| Net charge-offs to loans | 0.0959% | 697 |
| Credit loss provision to net charge-offs | 103.4483% | 1,418 |
| Earnings coverage of net charge-offs (x) | 50.7586% | 1,281 |
| Efficiency ratio | 51.1774% | 3,840 |
| Assets per employee ($millions) | 6.5281% | 2,258 |
| Cash dividends to net income (ytd only)* | 75.4141% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 861 |
| Loan loss allowance to noncurrent loans | 256.9682% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 1,602 |
| Noncurrent loans to loans | 0.6376% | 1,170 |
| Net loans and leases to total assets | 50.8700% | 3,496 |
| Net loans and leases to deposits | 58.0769% | 3,529 |
| Net loans and leases to core deposits | 64.0623% | 3,444 |
| Total domestic deposits to total assets | 87.5900% | 1,751 |
| Equity capital to assets | 7.7084% | 3,400 |
| Core capital (leverage) ratio | 11.1105% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9972% | 1,128 |
| Memoranda: | ||
| Average total assets | $123,643,333 | 3,639 |
| Average earning assets | $114,127,000 | 3,634 |
| Average equity | $9,238,667 | 3,822 |
| Average total loans | $60,462,667 | 3,716 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 750 |
| Cost of funding earning assets | 0.5729% | 3,467 |
| Net interest margin | 4.8080% | 367 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.4172% | 2,479 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.8511% | 616 |
| Return on assets (ROA) | 1.9765% | 501 |
| Pretax return on assets | 2.5436% | 342 |
| Return on Equity (ROE) | 26.8800% | 327 |
| Retained earnings to average equity (ytd only) | -11.2366% | 4,499 |
| Net charge-offs to loans | 0.1501% | 458 |
| Credit loss provision to net charge-offs | 68.1818% | 1,247 |
| Earnings coverage of net charge-offs (x) | 34.1364% | 1,255 |
| Efficiency ratio | 49.8330% | 3,955 |
| Assets per employee ($millions) | 6.5508% | 2,308 |
| Cash dividends to net income (ytd only)* | 141.8033% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 737 |
| Loan loss allowance to noncurrent loans | 447.6395% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 2,209 |
| Noncurrent loans to loans | 0.3884% | 1,763 |
| Net loans and leases to total assets | 47.3600% | 3,678 |
| Net loans and leases to deposits | 53.9253% | 3,691 |
| Net loans and leases to core deposits | 59.4149% | 3,569 |
| Total domestic deposits to total assets | 87.8200% | 1,981 |
| Equity capital to assets | 7.4487% | 3,589 |
| Core capital (leverage) ratio | 10.6144% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9105% | 1,167 |
| Memoranda: | ||
| Average total assets | $123,448,500 | 3,689 |
| Average earning assets | $113,811,000 | 3,681 |
| Average equity | $9,077,500 | 3,888 |
| Average total loans | $58,622,000 | 3,779 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 1,180 |
| Cost of funding earning assets | 0.2922% | 2,947 |
| Net interest margin | 3.9449% | 870 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.1953% | 3,039 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4352% | 1,037 |
| Return on assets (ROA) | 1.4352% | 1,001 |
| Pretax return on assets | 1.8141% | 713 |
| Return on Equity (ROE) | 18.0000% | 701 |
| Retained earnings to average equity (ytd only) | 9.9451% | 1,176 |
| Net charge-offs to loans | -0.0171% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.4253% | 3,757 |
| Assets per employee ($millions) | 6.4438% | 2,383 |
| Cash dividends to net income (ytd only)* | 44.7383% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8338% | 619 |
| Loan loss allowance to noncurrent loans | 625.0000% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 2,570 |
| Noncurrent loans to loans | 0.2934% | 2,089 |
| Net loans and leases to total assets | 45.9100% | 3,809 |
| Net loans and leases to deposits | 49.8135% | 3,907 |
| Net loans and leases to core deposits | 54.3744% | 3,795 |
| Total domestic deposits to total assets | 92.1600% | 597 |
| Equity capital to assets | 7.2563% | 3,515 |
| Core capital (leverage) ratio | 10.5783% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3175% | 1,081 |
| Memoranda: | ||
| Average total assets | $123,811,200 | 3,695 |
| Average earning assets | $114,983,600 | 3,676 |
| Average equity | $9,874,200 | 3,884 |
| Average total loans | $58,487,600 | 3,758 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 1,528 |
| Cost of funding earning assets | 0.2564% | 2,178 |
| Net interest margin | 3.4469% | 1,468 |
| Noninterest income to average assets | 0.3866% | 2,835 |
| Noninterest expense to average assets | 2.2065% | 2,832 |
| Loan and lease loss provision to assets | 0.0243% | 2,159 |
| Net operating income to assets | 1.1113% | 1,729 |
| Return on assets (ROA) | 1.1113% | 1,708 |
| Pretax return on assets | 1.3750% | 1,508 |
| Return on Equity (ROE) | 12.5640% | 1,505 |
| Retained earnings to average equity (ytd only) | -1.9751% | 4,384 |
| Net charge-offs to loans | 0.1175% | 522 |
| Credit loss provision to net charge-offs | 44.1176% | 1,518 |
| Earnings coverage of net charge-offs (x) | 25.4412% | 1,463 |
| Efficiency ratio | 61.1934% | 3,152 |
| Assets per employee ($millions) | 6.6819% | 2,183 |
| Cash dividends to net income (ytd only)* | 115.7205% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 935 |
| Loan loss allowance to noncurrent loans | 518.8482% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 2,132 |
| Noncurrent loans to loans | 0.3310% | 2,150 |
| Net loans and leases to total assets | 44.6667% | 3,780 |
| Net loans and leases to deposits | 48.2563% | 3,906 |
| Net loans and leases to core deposits | 52.6273% | 3,779 |
| Total domestic deposits to total assets | 92.5612% | 630 |
| Equity capital to assets | 6.8882% | 3,826 |
| Core capital (leverage) ratio | 9.9037% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7479% | 1,498 |
| Memoranda: | ||
| Average total assets | $123,635,000 | 3,765 |
| Average earning assets | $115,466,667 | 3,757 |
| Average equity | $10,936,000 | 3,896 |
| Average total loans | $57,850,667 | 3,828 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 1,479 |
| Cost of funding earning assets | 0.2594% | 2,049 |
| Net interest margin | 3.3515% | 1,437 |
| Noninterest income to average assets | 0.3902% | 2,758 |
| Noninterest expense to average assets | 2.2070% | 2,821 |
| Loan and lease loss provision to assets | 0.0230% | 1,948 |
| Net operating income to assets | 1.0527% | 1,678 |
| Return on assets (ROA) | 1.0527% | 1,669 |
| Pretax return on assets | 1.2954% | 1,521 |
| Return on Equity (ROE) | 10.6720% | 1,740 |
| Retained earnings to average equity (ytd only) | -7.4471% | 4,509 |
| Net charge-offs to loans | -0.0207% | 3,932 |
| Credit loss provision to net charge-offs | -233.3333% | 2,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6047% | 3,190 |
| Assets per employee ($millions) | 6.4315% | 2,430 |
| Cash dividends to net income (ytd only)* | 169.7819% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 1,007 |
| Loan loss allowance to noncurrent loans | 297.3761% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 1,624 |
| Noncurrent loans to loans | 0.5812% | 1,595 |
| Net loans and leases to total assets | 47.4599% | 3,440 |
| Net loans and leases to deposits | 52.2826% | 3,551 |
| Net loans and leases to core deposits | 56.6136% | 3,403 |
| Total domestic deposits to total assets | 90.7756% | 1,149 |
| Equity capital to assets | 8.6303% | 3,047 |
| Core capital (leverage) ratio | 9.7191% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8334% | 1,555 |
| Memoranda: | ||
| Average total assets | $121,974,500 | 3,799 |
| Average earning assets | $114,098,000 | 3,783 |
| Average equity | $12,031,500 | 3,859 |
| Average total loans | $57,927,000 | 3,831 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 2,305 |
| Cost of funding earning assets | 0.2902% | 2,506 |
| Net interest margin | 3.3413% | 2,203 |
| Noninterest income to average assets | 0.6318% | 2,018 |
| Noninterest expense to average assets | 2.2024% | 3,079 |
| Loan and lease loss provision to assets | 0.0255% | 2,549 |
| Net operating income to assets | 1.2209% | 1,850 |
| Return on assets (ROA) | 1.2236% | 1,892 |
| Pretax return on assets | 1.5306% | 1,620 |
| Return on Equity (ROE) | 11.0174% | 2,160 |
| Retained earnings to average equity (ytd only) | 6.8064% | 1,998 |
| Net charge-offs to loans | -0.0423% | 4,245 |
| Credit loss provision to net charge-offs | -130.4348% | 3,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6504% | 3,335 |
| Assets per employee ($millions) | 6.4079% | 2,406 |
| Cash dividends to net income (ytd only)* | 38.2210% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 907 |
| Loan loss allowance to noncurrent loans | 444.9339% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 2,159 |
| Noncurrent loans to loans | 0.3994% | 2,157 |
| Net loans and leases to total assets | 45.8551% | 3,704 |
| Net loans and leases to deposits | 53.5818% | 3,626 |
| Net loans and leases to core deposits | 58.1407% | 3,462 |
| Total domestic deposits to total assets | 85.5796% | 3,059 |
| Equity capital to assets | 11.1022% | 1,738 |
| Core capital (leverage) ratio | 9.9950% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7045% | 1,338 |
| Memoranda: | ||
| Average total assets | $117,599,600 | 3,826 |
| Average earning assets | $109,928,000 | 3,810 |
| Average equity | $13,061,200 | 3,825 |
| Average total loans | $54,425,000 | 3,926 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 2,520 |
| Cost of funding earning assets | 0.2978% | 2,611 |
| Net interest margin | 3.3155% | 2,370 |
| Noninterest income to average assets | 0.6886% | 1,862 |
| Noninterest expense to average assets | 2.2648% | 2,851 |
| Loan and lease loss provision to assets | 0.0249% | 2,497 |
| Net operating income to assets | 1.1997% | 2,172 |
| Return on assets (ROA) | 1.2033% | 2,220 |
| Pretax return on assets | 1.4973% | 1,998 |
| Return on Equity (ROE) | 10.8334% | 2,424 |
| Retained earnings to average equity (ytd only) | 5.1696% | 3,154 |
| Net charge-offs to loans | -0.0446% | 4,296 |
| Credit loss provision to net charge-offs | -122.2222% | 3,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8730% | 2,992 |
| Assets per employee ($millions) | 6.1830% | 2,522 |
| Cash dividends to net income (ytd only)* | 52.2814% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 1,018 |
| Loan loss allowance to noncurrent loans | 310.5919% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 2,039 |
| Noncurrent loans to loans | 0.5619% | 1,910 |
| Net loans and leases to total assets | 45.3906% | 3,837 |
| Net loans and leases to deposits | 52.8934% | 3,819 |
| Net loans and leases to core deposits | 57.9167% | 3,637 |
| Total domestic deposits to total assets | 85.8151% | 2,816 |
| Equity capital to assets | 10.7666% | 2,203 |
| Core capital (leverage) ratio | 9.8910% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2206% | 1,567 |
| Memoranda: | ||
| Average total assets | $116,561,750 | 3,886 |
| Average earning assets | $108,779,500 | 3,867 |
| Average equity | $12,947,250 | 3,885 |
| Average total loans | $53,821,500 | 3,983 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 2,545 |
| Cost of funding earning assets | 0.3082% | 2,698 |
| Net interest margin | 3.3186% | 2,388 |
| Noninterest income to average assets | 0.6988% | 1,812 |
| Noninterest expense to average assets | 2.2873% | 2,805 |
| Loan and lease loss provision to assets | 0.0263% | 2,447 |
| Net operating income to assets | 1.1731% | 2,285 |
| Return on assets (ROA) | 1.1787% | 2,332 |
| Pretax return on assets | 1.4852% | 2,066 |
| Return on Equity (ROE) | 10.4951% | 2,585 |
| Retained earnings to average equity (ytd only) | 1.9181% | 4,133 |
| Net charge-offs to loans | -0.0493% | 4,368 |
| Credit loss provision to net charge-offs | -115.3846% | 3,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3233% | 2,974 |
| Assets per employee ($millions) | 5.9446% | 2,673 |
| Cash dividends to net income (ytd only)* | 81.7236% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 856 |
| Loan loss allowance to noncurrent loans | 265.4987% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 1,989 |
| Noncurrent loans to loans | 0.6865% | 1,709 |
| Net loans and leases to total assets | 44.6262% | 3,998 |
| Net loans and leases to deposits | 50.6588% | 4,067 |
| Net loans and leases to core deposits | 55.7649% | 3,908 |
| Total domestic deposits to total assets | 88.0917% | 1,773 |
| Equity capital to assets | 10.9368% | 2,031 |
| Core capital (leverage) ratio | 9.8989% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5198% | 1,467 |
| Memoranda: | ||
| Average total assets | $114,195,667 | 3,922 |
| Average earning assets | $106,430,667 | 3,909 |
| Average equity | $12,825,000 | 3,906 |
| Average total loans | $52,719,667 | 4,027 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 2,348 |
| Cost of funding earning assets | 0.3189% | 2,807 |
| Net interest margin | 3.3846% | 2,153 |
| Noninterest income to average assets | 0.7153% | 1,823 |
| Noninterest expense to average assets | 2.3031% | 2,778 |
| Loan and lease loss provision to assets | 0.0250% | 2,459 |
| Net operating income to assets | 1.2016% | 2,139 |
| Return on assets (ROA) | 1.2016% | 2,217 |
| Pretax return on assets | 1.5378% | 1,890 |
| Return on Equity (ROE) | 10.5528% | 2,515 |
| Retained earnings to average equity (ytd only) | -6.7211% | 4,741 |
| Net charge-offs to loans | -0.0845% | 4,581 |
| Credit loss provision to net charge-offs | -63.6364% | 2,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5745% | 3,078 |
| Assets per employee ($millions) | 5.6664% | 2,954 |
| Cash dividends to net income (ytd only)* | 163.6905% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 798 |
| Loan loss allowance to noncurrent loans | 185.3612% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 1,999 |
| Noncurrent loans to loans | 0.9967% | 1,348 |
| Net loans and leases to total assets | 45.7058% | 3,982 |
| Net loans and leases to deposits | 51.7499% | 4,058 |
| Net loans and leases to core deposits | 57.0596% | 3,906 |
| Total domestic deposits to total assets | 88.3205% | 1,693 |
| Equity capital to assets | 10.7653% | 2,029 |
| Core capital (leverage) ratio | 10.0935% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3371% | 1,801 |
| Memoranda: | ||
| Average total assets | $111,847,500 | 3,957 |
| Average earning assets | $104,119,000 | 3,934 |
| Average equity | $12,736,000 | 3,924 |
| Average total loans | $52,058,500 | 4,053 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 2,424 |
| Cost of funding earning assets | 0.4623% | 3,203 |
| Net interest margin | 3.6374% | 2,015 |
| Noninterest income to average assets | 0.4654% | 2,791 |
| Noninterest expense to average assets | 2.3690% | 3,211 |
| Loan and lease loss provision to assets | 0.0587% | 3,637 |
| Net operating income to assets | 1.1346% | 1,787 |
| Return on assets (ROA) | 1.1987% | 1,662 |
| Pretax return on assets | 1.4949% | 1,344 |
| Return on Equity (ROE) | 9.9992% | 2,007 |
| Retained earnings to average equity (ytd only) | 1.0276% | 4,220 |
| Net charge-offs to loans | -0.0219% | 4,447 |
| Credit loss provision to net charge-offs | -500.0000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6539% | 3,199 |
| Assets per employee ($millions) | 5.5184% | 2,830 |
| Cash dividends to net income (ytd only)* | 89.7227% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 775 |
| Loan loss allowance to noncurrent loans | 176.2431% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 1,760 |
| Noncurrent loans to loans | 1.0576% | 1,344 |
| Net loans and leases to total assets | 45.6545% | 4,147 |
| Net loans and leases to deposits | 52.5285% | 4,194 |
| Net loans and leases to core deposits | 58.6910% | 4,015 |
| Total domestic deposits to total assets | 86.9138% | 1,979 |
| Equity capital to assets | 12.0252% | 1,556 |
| Core capital (leverage) ratio | 10.3543% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4420% | 1,700 |
| Memoranda: | ||
| Average total assets | $102,278,000 | 3,966 |
| Average earning assets | $94,958,000 | 3,959 |
| Average equity | $12,261,000 | 3,949 |
| Average total loans | $54,872,800 | 3,999 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,392 |
| Cost of funding earning assets | 0.4945% | 3,260 |
| Net interest margin | 3.7092% | 1,914 |
| Noninterest income to average assets | 0.5000% | 2,615 |
| Noninterest expense to average assets | 2.4430% | 3,014 |
| Loan and lease loss provision to assets | 0.0598% | 3,593 |
| Net operating income to assets | 1.1509% | 1,817 |
| Return on assets (ROA) | 1.2381% | 1,641 |
| Pretax return on assets | 1.5480% | 1,337 |
| Return on Equity (ROE) | 10.3371% | 1,892 |
| Retained earnings to average equity (ytd only) | -1.8764% | 4,696 |
| Net charge-offs to loans | -0.0167% | 4,368 |
| Credit loss provision to net charge-offs | -642.8571% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9771% | 3,083 |
| Assets per employee ($millions) | 5.2955% | 2,899 |
| Cash dividends to net income (ytd only)* | 118.1525% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 984 |
| Loan loss allowance to noncurrent loans | 161.5517% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 2,071 |
| Noncurrent loans to loans | 1.0200% | 1,467 |
| Net loans and leases to total assets | 52.8043% | 3,910 |
| Net loans and leases to deposits | 60.7431% | 4,010 |
| Net loans and leases to core deposits | 67.7156% | 3,770 |
| Total domestic deposits to total assets | 86.9304% | 1,695 |
| Equity capital to assets | 11.9668% | 1,696 |
| Core capital (leverage) ratio | 10.6008% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8273% | 1,553 |
| Memoranda: | ||
| Average total assets | $100,255,500 | 3,988 |
| Average earning assets | $93,026,750 | 3,984 |
| Average equity | $12,008,250 | 3,976 |
| Average total loans | $55,754,750 | 4,006 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,383 |
| Cost of funding earning assets | 0.5309% | 3,343 |
| Net interest margin | 3.8037% | 1,826 |
| Noninterest income to average assets | 0.4737% | 2,692 |
| Noninterest expense to average assets | 2.5190% | 2,911 |
| Loan and lease loss provision to assets | 0.0610% | 3,536 |
| Net operating income to assets | 1.1373% | 1,846 |
| Return on assets (ROA) | 1.2707% | 1,555 |
| Pretax return on assets | 1.5858% | 1,259 |
| Return on Equity (ROE) | 10.6055% | 1,775 |
| Retained earnings to average equity (ytd only) | -8.0602% | 4,882 |
| Net charge-offs to loans | -0.0144% | 4,308 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9893% | 2,956 |
| Assets per employee ($millions) | 5.2619% | 2,873 |
| Cash dividends to net income (ytd only)* | 176.0000% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,107 |
| Loan loss allowance to noncurrent loans | 107.1179% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8144% | 1,526 |
| Noncurrent loans to loans | 1.4540% | 1,051 |
| Net loans and leases to total assets | 55.1337% | 3,765 |
| Net loans and leases to deposits | 65.2574% | 3,782 |
| Net loans and leases to core deposits | 72.7983% | 3,537 |
| Total domestic deposits to total assets | 84.4864% | 2,562 |
| Equity capital to assets | 11.6071% | 1,907 |
| Core capital (leverage) ratio | 10.5744% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9186% | 1,853 |
| Memoranda: | ||
| Average total assets | $98,370,667 | 4,016 |
| Average earning assets | $91,173,333 | 4,008 |
| Average equity | $11,786,333 | 4,011 |
| Average total loans | $55,552,333 | 4,028 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 2,224 |
| Cost of funding earning assets | 0.6106% | 3,380 |
| Net interest margin | 3.9185% | 1,612 |
| Noninterest income to average assets | 0.4171% | 2,989 |
| Noninterest expense to average assets | 2.6628% | 2,803 |
| Loan and lease loss provision to assets | 0.0632% | 2,975 |
| Net operating income to assets | 1.0416% | 2,032 |
| Return on assets (ROA) | 1.3145% | 1,301 |
| Pretax return on assets | 1.6600% | 925 |
| Return on Equity (ROE) | 10.7847% | 1,476 |
| Retained earnings to average equity (ytd only) | -27.2382% | 5,028 |
| Net charge-offs to loans | -0.0297% | 4,467 |
| Credit loss provision to net charge-offs | -375.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9020% | 2,979 |
| Assets per employee ($millions) | 5.4942% | 2,127 |
| Cash dividends to net income (ytd only)* | 352.5641% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 946 |
| Loan loss allowance to noncurrent loans | 173.8462% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 2,415 |
| Noncurrent loans to loans | 0.9514% | 1,728 |
| Net loans and leases to total assets | 54.3500% | 3,958 |
| Net loans and leases to deposits | 64.3243% | 3,963 |
| Net loans and leases to core deposits | 72.0906% | 3,760 |
| Total domestic deposits to total assets | 84.4938% | 2,602 |
| Equity capital to assets | 11.4747% | 2,455 |
| Core capital (leverage) ratio | 11.2988% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5526% | 1,743 |
| Memoranda: | ||
| Average total assets | $94,937,500 | 4,063 |
| Average earning assets | $87,789,500 | 4,056 |
| Average equity | $11,572,000 | 4,058 |
| Average total loans | $53,859,000 | 4,072 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2234% | 941 |
| Cost of funding earning assets | 0.6686% | 3,320 |
| Net interest margin | 4.5548% | 640 |
| Noninterest income to average assets | 0.3825% | 3,399 |
| Noninterest expense to average assets | 2.7458% | 2,762 |
| Loan and lease loss provision to assets | 0.2156% | 916 |
| Net operating income to assets | 1.2545% | 1,855 |
| Return on assets (ROA) | 1.8029% | 546 |
| Pretax return on assets | 2.2793% | 322 |
| Return on Equity (ROE) | 14.6807% | 753 |
| Retained earnings to average equity (ytd only) | 7.3269% | 1,242 |
| Net charge-offs to loans | 0.1011% | 1,714 |
| Credit loss provision to net charge-offs | 361.1111% | 776 |
| Earnings coverage of net charge-offs (x) | 30.1667% | 1,577 |
| Efficiency ratio | 60.3939% | 3,634 |
| Assets per employee ($millions) | 4.7884% | 2,852 |
| Cash dividends to net income (ytd only)* | 50.0920% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 853 |
| Loan loss allowance to noncurrent loans | 122.4066% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 1,627 |
| Noncurrent loans to loans | 1.3625% | 1,093 |
| Net loans and leases to total assets | 57.3528% | 3,821 |
| Net loans and leases to deposits | 66.4811% | 3,926 |
| Net loans and leases to core deposits | 75.1534% | 3,640 |
| Total domestic deposits to total assets | 86.2694% | 1,948 |
| Equity capital to assets | 12.9656% | 1,549 |
| Core capital (leverage) ratio | 11.9018% | 1,839 |
| Tier 1 risk-based capital ratio | 16.3149% | 2,287 |
| Total risk-based capital ratio | 17.5642% | 2,232 |
| Memoranda: | ||
| Average total assets | $90,466,200 | 4,145 |
| Average earning assets | $82,704,200 | 4,142 |
| Average equity | $11,109,800 | 4,111 |
| Average total loans | $53,408,600 | 4,114 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 908 |
| Cost of funding earning assets | 0.6490% | 3,454 |
| Net interest margin | 4.6269% | 583 |
| Noninterest income to average assets | 0.3660% | 3,524 |
| Noninterest expense to average assets | 2.8293% | 2,472 |
| Loan and lease loss provision to assets | 0.1550% | 1,211 |
| Net operating income to assets | 1.2741% | 1,938 |
| Return on assets (ROA) | 1.8641% | 571 |
| Pretax return on assets | 2.3482% | 341 |
| Return on Equity (ROE) | 15.3952% | 697 |
| Retained earnings to average equity (ytd only) | 5.4364% | 2,653 |
| Net charge-offs to loans | 0.0798% | 1,685 |
| Credit loss provision to net charge-offs | 328.1250% | 901 |
| Earnings coverage of net charge-offs (x) | 37.1837% | 1,432 |
| Efficiency ratio | 61.6994% | 3,374 |
| Assets per employee ($millions) | 5.0093% | 2,554 |
| Cash dividends to net income (ytd only)* | 64.6874% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 1,519 |
| Loan loss allowance to noncurrent loans | 109.8118% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 1,758 |
| Noncurrent loans to loans | 1.2876% | 1,204 |
| Net loans and leases to total assets | 59.8544% | 3,686 |
| Net loans and leases to deposits | 74.9162% | 3,396 |
| Net loans and leases to core deposits | 84.7282% | 3,021 |
| Total domestic deposits to total assets | 79.8951% | 4,012 |
| Equity capital to assets | 12.2310% | 2,092 |
| Core capital (leverage) ratio | 11.6940% | 2,080 |
| Tier 1 risk-based capital ratio | 14.7941% | 2,959 |
| Total risk-based capital ratio | 15.8989% | 2,932 |
| Memoranda: | ||
| Average total assets | $90,338,000 | 4,195 |
| Average earning assets | $82,386,500 | 4,201 |
| Average equity | $10,938,250 | 4,170 |
| Average total loans | $53,494,750 | 4,161 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 883 |
| Cost of funding earning assets | 0.6116% | 3,591 |
| Net interest margin | 4.6451% | 558 |
| Noninterest income to average assets | 0.3359% | 3,688 |
| Noninterest expense to average assets | 2.9867% | 2,041 |
| Loan and lease loss provision to assets | 0.1465% | 1,259 |
| Net operating income to assets | 1.1595% | 2,294 |
| Return on assets (ROA) | 1.6726% | 795 |
| Pretax return on assets | 2.0648% | 599 |
| Return on Equity (ROE) | 13.8640% | 1,012 |
| Retained earnings to average equity (ytd only) | -1.4013% | 4,869 |
| Net charge-offs to loans | 0.1344% | 1,122 |
| Credit loss provision to net charge-offs | 185.7143% | 1,288 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,790 |
| Efficiency ratio | 65.4321% | 2,900 |
| Assets per employee ($millions) | 4.8147% | 2,724 |
| Cash dividends to net income (ytd only)* | 110.1078% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,706 |
| Loan loss allowance to noncurrent loans | 111.0473% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 1,829 |
| Noncurrent loans to loans | 1.2400% | 1,284 |
| Net loans and leases to total assets | 60.5969% | 3,687 |
| Net loans and leases to deposits | 74.7341% | 3,453 |
| Net loans and leases to core deposits | 84.9381% | 3,033 |
| Total domestic deposits to total assets | 81.0833% | 3,780 |
| Equity capital to assets | 12.1294% | 2,096 |
| Core capital (leverage) ratio | 11.5345% | 2,130 |
| Tier 1 risk-based capital ratio | 15.3414% | 2,687 |
| Total risk-based capital ratio | 16.4809% | 2,678 |
| Memoranda: | ||
| Average total assets | $88,725,330 | 4,242 |
| Average earning assets | $80,774,000 | 4,252 |
| Average equity | $10,704,000 | 4,213 |
| Average total loans | $52,065,000 | 4,217 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 997 |
| Cost of funding earning assets | 0.5798% | 3,679 |
| Net interest margin | 4.5728% | 649 |
| Noninterest income to average assets | 0.2656% | 4,104 |
| Noninterest expense to average assets | 2.8301% | 2,472 |
| Loan and lease loss provision to assets | 0.0687% | 2,286 |
| Net operating income to assets | 1.2806% | 1,773 |
| Return on assets (ROA) | 1.2960% | 1,750 |
| Pretax return on assets | 1.5387% | 1,646 |
| Return on Equity (ROE) | 10.7727% | 2,041 |
| Retained earnings to average equity (ytd only) | -20.3274% | 5,257 |
| Net charge-offs to loans | -0.0720% | 4,941 |
| Credit loss provision to net charge-offs | -166.6667% | 3,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0415% | 3,235 |
| Assets per employee ($millions) | 4.3613% | 3,398 |
| Cash dividends to net income (ytd only)* | 288.6926% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,342 |
| Loan loss allowance to noncurrent loans | 144.9057% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 2,057 |
| Noncurrent loans to loans | 1.0348% | 1,615 |
| Net loans and leases to total assets | 57.8412% | 3,906 |
| Net loans and leases to deposits | 66.4130% | 4,022 |
| Net loans and leases to core deposits | 75.0964% | 3,730 |
| Total domestic deposits to total assets | 87.0931% | 1,760 |
| Equity capital to assets | 11.9943% | 2,024 |
| Core capital (leverage) ratio | 11.4139% | 2,201 |
| Tier 1 risk-based capital ratio | 15.9972% | 2,441 |
| Total risk-based capital ratio | 17.2306% | 2,394 |
| Memoranda: | ||
| Average total assets | $87,348,000 | 4,308 |
| Average earning assets | $79,338,500 | 4,316 |
| Average equity | $10,508,000 | 4,257 |
| Average total loans | $49,993,500 | 4,298 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 869 |
| Cost of funding earning assets | 0.5696% | 2,925 |
| Net interest margin | 4.5182% | 736 |
| Noninterest income to average assets | 0.5748% | 2,418 |
| Noninterest expense to average assets | 2.8456% | 2,532 |
| Loan and lease loss provision to assets | 0.1125% | 1,964 |
| Net operating income to assets | 1.4176% | 1,371 |
| Return on assets (ROA) | 1.4093% | 1,389 |
| Pretax return on assets | 1.7198% | 1,115 |
| Return on Equity (ROE) | 12.4528% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.5556% | 2,453 |
| Net charge-offs to loans | 0.2763% | 700 |
| Credit loss provision to net charge-offs | 70.4225% | 2,983 |
| Earnings coverage of net charge-offs (x) | 11.5352% | 2,618 |
| Efficiency ratio | 60.7006% | 3,744 |
| Assets per employee ($millions) | 4.3736% | 3,338 |
| Cash dividends to net income (ytd only)* | 55.3871% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,211 |
| Loan loss allowance to noncurrent loans | 122.9752% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9980% | 1,375 |
| Noncurrent loans to loans | 1.2406% | 1,284 |
| Net loans and leases to total assets | 54.9016% | 4,218 |
| Net loans and leases to deposits | 62.8582% | 4,321 |
| Net loans and leases to core deposits | 70.6418% | 4,089 |
| Total domestic deposits to total assets | 87.3421% | 1,617 |
| Equity capital to assets | 12.0657% | 1,850 |
| Core capital (leverage) ratio | 12.0559% | 1,698 |
| Tier 1 risk-based capital ratio | 16.9685% | 2,079 |
| Total risk-based capital ratio | 18.1714% | 2,043 |
| Memoranda: | ||
| Average total assets | $88,908,000 | 4,291 |
| Average earning assets | $80,938,800 | 4,301 |
| Average equity | $10,062,000 | 4,288 |
| Average total loans | $51,387,200 | 4,290 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 904 |
| Cost of funding earning assets | 0.5652% | 2,738 |
| Net interest margin | 4.4561% | 808 |
| Noninterest income to average assets | 0.5586% | 2,529 |
| Noninterest expense to average assets | 2.9095% | 2,275 |
| Loan and lease loss provision to assets | 0.0747% | 2,460 |
| Net operating income to assets | 1.3411% | 1,700 |
| Return on assets (ROA) | 1.3950% | 1,507 |
| Pretax return on assets | 1.7027% | 1,271 |
| Return on Equity (ROE) | 12.5294% | 1,603 |
| Retained earnings to average equity (ytd only) | 3.2195% | 4,135 |
| Net charge-offs to loans | 0.3305% | 502 |
| Credit loss provision to net charge-offs | 38.7597% | 2,914 |
| Earnings coverage of net charge-offs (x) | 8.8835% | 2,674 |
| Efficiency ratio | 62.9606% | 3,343 |
| Assets per employee ($millions) | 4.4792% | 3,153 |
| Cash dividends to net income (ytd only)* | 74.3042% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 2,035 |
| Loan loss allowance to noncurrent loans | 117.0530% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9734% | 1,494 |
| Noncurrent loans to loans | 1.1231% | 1,515 |
| Net loans and leases to total assets | 59.2461% | 3,928 |
| Net loans and leases to deposits | 71.6494% | 3,798 |
| Net loans and leases to core deposits | 80.1919% | 3,478 |
| Total domestic deposits to total assets | 82.6889% | 3,410 |
| Equity capital to assets | 11.0444% | 2,622 |
| Core capital (leverage) ratio | 11.5585% | 2,130 |
| Tier 1 risk-based capital ratio | 15.5120% | 2,649 |
| Total risk-based capital ratio | 16.5897% | 2,647 |
| Memoranda: | ||
| Average total assets | $89,267,250 | 4,320 |
| Average earning assets | $81,383,750 | 4,341 |
| Average equity | $9,939,000 | 4,348 |
| Average total loans | $52,042,250 | 4,310 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 932 |
| Cost of funding earning assets | 0.5377% | 2,713 |
| Net interest margin | 4.4074% | 836 |
| Noninterest income to average assets | 0.5765% | 2,446 |
| Noninterest expense to average assets | 2.9003% | 2,357 |
| Loan and lease loss provision to assets | 0.0673% | 2,541 |
| Net operating income to assets | 1.3450% | 1,619 |
| Return on assets (ROA) | 1.3818% | 1,504 |
| Pretax return on assets | 1.6801% | 1,274 |
| Return on Equity (ROE) | 12.3769% | 1,593 |
| Retained earnings to average equity (ytd only) | 0.4420% | 4,878 |
| Net charge-offs to loans | 0.0972% | 1,380 |
| Credit loss provision to net charge-offs | 120.0000% | 1,797 |
| Earnings coverage of net charge-offs (x) | 30.3600% | 1,494 |
| Efficiency ratio | 63.0117% | 3,473 |
| Assets per employee ($millions) | 4.2830% | 3,448 |
| Cash dividends to net income (ytd only)* | 96.4286% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,165 |
| Loan loss allowance to noncurrent loans | 87.6940% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3008% | 1,089 |
| Noncurrent loans to loans | 1.7977% | 868 |
| Net loans and leases to total assets | 54.9059% | 4,256 |
| Net loans and leases to deposits | 67.2092% | 4,086 |
| Net loans and leases to core deposits | 75.2782% | 3,791 |
| Total domestic deposits to total assets | 81.6940% | 3,816 |
| Equity capital to assets | 11.0670% | 2,573 |
| Core capital (leverage) ratio | 11.1933% | 2,351 |
| Tier 1 risk-based capital ratio | 15.8044% | 2,511 |
| Total risk-based capital ratio | 17.0534% | 2,453 |
| Memoranda: | ||
| Average total assets | $89,161,670 | 4,361 |
| Average earning assets | $81,454,670 | 4,377 |
| Average equity | $9,954,000 | 4,386 |
| Average total loans | $51,462,330 | 4,362 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 946 |
| Cost of funding earning assets | 0.5031% | 2,774 |
| Net interest margin | 4.3599% | 835 |
| Noninterest income to average assets | 0.7029% | 1,817 |
| Noninterest expense to average assets | 2.9199% | 2,288 |
| Loan and lease loss provision to assets | 0.0676% | 2,411 |
| Net operating income to assets | 1.3979% | 1,352 |
| Return on assets (ROA) | 1.4644% | 1,166 |
| Pretax return on assets | 1.7799% | 950 |
| Return on Equity (ROE) | 13.0601% | 1,243 |
| Retained earnings to average equity (ytd only) | -10.8097% | 5,388 |
| Net charge-offs to loans | 0.2149% | 695 |
| Credit loss provision to net charge-offs | 53.5714% | 1,923 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,727 |
| Efficiency ratio | 62.3077% | 3,730 |
| Assets per employee ($millions) | 4.4803% | 3,191 |
| Cash dividends to net income (ytd only)* | 182.7692% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,560 |
| Loan loss allowance to noncurrent loans | 113.1772% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 1,471 |
| Noncurrent loans to loans | 1.3037% | 1,370 |
| Net loans and leases to total assets | 57.6039% | 3,981 |
| Net loans and leases to deposits | 70.3369% | 3,760 |
| Net loans and leases to core deposits | 78.6494% | 3,439 |
| Total domestic deposits to total assets | 81.8972% | 3,994 |
| Equity capital to assets | 10.7907% | 2,777 |
| Core capital (leverage) ratio | 11.0409% | 2,400 |
| Tier 1 risk-based capital ratio | 15.0458% | 2,844 |
| Total risk-based capital ratio | 16.2488% | 2,793 |
| Memoranda: | ||
| Average total assets | $88,771,000 | 4,418 |
| Average earning assets | $81,102,000 | 4,429 |
| Average equity | $9,954,000 | 4,435 |
| Average total loans | $52,106,000 | 4,393 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 922 |
| Cost of funding earning assets | 0.4162% | 3,085 |
| Net interest margin | 4.4143% | 738 |
| Noninterest income to average assets | 0.5666% | 2,617 |
| Noninterest expense to average assets | 2.7656% | 2,902 |
| Loan and lease loss provision to assets | 0.1568% | 1,433 |
| Net operating income to assets | 1.2508% | 1,360 |
| Return on assets (ROA) | 1.2384% | 1,417 |
| Pretax return on assets | 1.6773% | 1,068 |
| Return on Equity (ROE) | 11.3566% | 1,371 |
| Retained earnings to average equity (ytd only) | 5.6167% | 1,758 |
| Net charge-offs to loans | 0.3085% | 828 |
| Credit loss provision to net charge-offs | 88.0503% | 2,823 |
| Earnings coverage of net charge-offs (x) | 10.3962% | 2,683 |
| Efficiency ratio | 59.9078% | 4,279 |
| Assets per employee ($millions) | 4.6283% | 2,983 |
| Cash dividends to net income (ytd only)* | 50.5425% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,355 |
| Loan loss allowance to noncurrent loans | 77.5148% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.1531% | 1,292 |
| Noncurrent loans to loans | 1.9567% | 788 |
| Net loans and leases to total assets | 58.0381% | 4,001 |
| Net loans and leases to deposits | 69.8878% | 3,887 |
| Net loans and leases to core deposits | 78.2188% | 3,571 |
| Total domestic deposits to total assets | 83.0447% | 3,548 |
| Equity capital to assets | 11.6436% | 2,080 |
| Core capital (leverage) ratio | 10.7118% | 2,634 |
| Tier 1 risk-based capital ratio | 15.5647% | 2,599 |
| Total risk-based capital ratio | 16.7959% | 2,544 |
| Memoranda: | ||
| Average total assets | $89,311,200 | 4,436 |
| Average earning assets | $81,937,400 | 4,433 |
| Average equity | $9,738,800 | 4,493 |
| Average total loans | $51,548,000 | 4,421 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 1,003 |
| Cost of funding earning assets | 0.3871% | 3,313 |
| Net interest margin | 4.3735% | 774 |
| Noninterest income to average assets | 0.5547% | 2,704 |
| Noninterest expense to average assets | 2.9074% | 2,377 |
| Loan and lease loss provision to assets | 0.1190% | 1,818 |
| Net operating income to assets | 1.1626% | 1,834 |
| Return on assets (ROA) | 1.1481% | 1,939 |
| Pretax return on assets | 1.5243% | 1,689 |
| Return on Equity (ROE) | 10.7066% | 1,823 |
| Retained earnings to average equity (ytd only) | 2.9540% | 4,154 |
| Net charge-offs to loans | 0.2901% | 738 |
| Credit loss provision to net charge-offs | 71.4286% | 2,684 |
| Earnings coverage of net charge-offs (x) | 9.9821% | 2,643 |
| Efficiency ratio | 63.6186% | 3,621 |
| Assets per employee ($millions) | 4.4919% | 3,162 |
| Cash dividends to net income (ytd only)* | 72.4087% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,681 |
| Loan loss allowance to noncurrent loans | 77.7666% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 1,371 |
| Noncurrent loans to loans | 1.8718% | 930 |
| Net loans and leases to total assets | 58.2504% | 4,036 |
| Net loans and leases to deposits | 74.7735% | 3,494 |
| Net loans and leases to core deposits | 83.1839% | 3,202 |
| Total domestic deposits to total assets | 77.9024% | 4,747 |
| Equity capital to assets | 11.1567% | 2,711 |
| Core capital (leverage) ratio | 10.5270% | 2,960 |
| Tier 1 risk-based capital ratio | 13.7962% | 3,528 |
| Total risk-based capital ratio | 14.9068% | 3,539 |
| Memoranda: | ||
| Average total assets | $89,654,750 | 4,475 |
| Average earning assets | $82,312,250 | 4,473 |
| Average equity | $9,613,750 | 4,554 |
| Average total loans | $51,479,250 | 4,458 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 1,197 |
| Cost of funding earning assets | 0.3515% | 3,566 |
| Net interest margin | 4.2787% | 916 |
| Noninterest income to average assets | 0.5514% | 2,710 |
| Noninterest expense to average assets | 2.8931% | 2,449 |
| Loan and lease loss provision to assets | 0.0558% | 2,856 |
| Net operating income to assets | 1.1625% | 1,726 |
| Return on assets (ROA) | 1.1407% | 1,873 |
| Pretax return on assets | 1.5135% | 1,591 |
| Return on Equity (ROE) | 10.7836% | 1,724 |
| Retained earnings to average equity (ytd only) | -1.0129% | 5,234 |
| Net charge-offs to loans | -0.1296% | 5,487 |
| Credit loss provision to net charge-offs | -75.7576% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4135% | 3,603 |
| Assets per employee ($millions) | 4.6239% | 2,903 |
| Cash dividends to net income (ytd only)* | 109.3933% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 1,302 |
| Loan loss allowance to noncurrent loans | 61.2332% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.5258% | 982 |
| Noncurrent loans to loans | 2.5884% | 556 |
| Net loans and leases to total assets | 58.0127% | 4,033 |
| Net loans and leases to deposits | 73.7737% | 3,569 |
| Net loans and leases to core deposits | 81.7384% | 3,275 |
| Total domestic deposits to total assets | 78.6360% | 4,703 |
| Equity capital to assets | 10.5614% | 3,271 |
| Core capital (leverage) ratio | 10.3075% | 3,138 |
| Tier 1 risk-based capital ratio | 13.2140% | 3,864 |
| Total risk-based capital ratio | 14.4361% | 3,792 |
| Memoranda: | ||
| Average total assets | $89,593,670 | 4,501 |
| Average earning assets | $82,501,000 | 4,497 |
| Average equity | $9,477,330 | 4,596 |
| Average total loans | $50,937,670 | 4,504 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,113 |
| Cost of funding earning assets | 0.3361% | 3,685 |
| Net interest margin | 4.2754% | 836 |
| Noninterest income to average assets | 0.5627% | 2,588 |
| Noninterest expense to average assets | 2.6772% | 3,231 |
| Loan and lease loss provision to assets | 0.0681% | 2,448 |
| Net operating income to assets | 1.2822% | 1,287 |
| Return on assets (ROA) | 1.2252% | 1,478 |
| Pretax return on assets | 1.6653% | 1,077 |
| Return on Equity (ROE) | 11.5725% | 1,382 |
| Retained earnings to average equity (ytd only) | -12.3868% | 5,628 |
| Net charge-offs to loans | 0.0651% | 1,679 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 49.8750% | 896 |
| Efficiency ratio | 59.6562% | 4,502 |
| Assets per employee ($millions) | 5.0034% | 2,445 |
| Cash dividends to net income (ytd only)* | 207.0370% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,353 |
| Loan loss allowance to noncurrent loans | 55.1630% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.6344% | 948 |
| Noncurrent loans to loans | 2.9187% | 486 |
| Net loans and leases to total assets | 55.0982% | 4,246 |
| Net loans and leases to deposits | 66.9943% | 4,090 |
| Net loans and leases to core deposits | 74.3479% | 3,799 |
| Total domestic deposits to total assets | 82.2431% | 4,098 |
| Equity capital to assets | 10.2719% | 3,441 |
| Core capital (leverage) ratio | 10.4666% | 2,941 |
| Tier 1 risk-based capital ratio | 12.9807% | 4,089 |
| Total risk-based capital ratio | 14.1388% | 4,047 |
| Memoranda: | ||
| Average total assets | $88,151,500 | 4,567 |
| Average earning assets | $80,928,500 | 4,567 |
| Average equity | $9,332,500 | 4,655 |
| Average total loans | $49,150,000 | 4,588 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 1,719 |
| Cost of funding earning assets | 0.3611% | 3,402 |
| Net interest margin | 4.0765% | 1,439 |
| Noninterest income to average assets | 0.9923% | 1,170 |
| Noninterest expense to average assets | 2.7623% | 3,148 |
| Loan and lease loss provision to assets | 0.1549% | 1,611 |
| Net operating income to assets | 1.2875% | 1,243 |
| Return on assets (ROA) | 1.3249% | 1,213 |
| Pretax return on assets | 1.8572% | 680 |
| Return on Equity (ROE) | 12.3678% | 1,155 |
| Retained earnings to average equity (ytd only) | 8.4379% | 722 |
| Net charge-offs to loans | -0.0042% | 4,784 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5034% | 4,790 |
| Assets per employee ($millions) | 4.5391% | 3,059 |
| Cash dividends to net income (ytd only)* | 31.7749% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 1,175 |
| Loan loss allowance to noncurrent loans | 91.5909% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 1,859 |
| Noncurrent loans to loans | 1.8385% | 1,027 |
| Net loans and leases to total assets | 54.5674% | 4,389 |
| Net loans and leases to deposits | 64.2940% | 4,388 |
| Net loans and leases to core deposits | 70.8255% | 4,167 |
| Total domestic deposits to total assets | 84.8716% | 3,105 |
| Equity capital to assets | 10.9158% | 2,699 |
| Core capital (leverage) ratio | 10.7538% | 2,588 |
| Tier 1 risk-based capital ratio | 14.9135% | 3,005 |
| Total risk-based capital ratio | 16.1635% | 2,946 |
| Memoranda: | ||
| Average total assets | $87,175,200 | 4,601 |
| Average earning assets | $79,749,000 | 4,591 |
| Average equity | $9,338,800 | 4,681 |
| Average total loans | $47,829,000 | 4,640 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 1,832 |
| Cost of funding earning assets | 0.3607% | 3,424 |
| Net interest margin | 4.0493% | 1,528 |
| Noninterest income to average assets | 0.4546% | 3,527 |
| Noninterest expense to average assets | 2.7350% | 3,238 |
| Loan and lease loss provision to assets | 0.0686% | 2,850 |
| Net operating income to assets | 0.9944% | 2,461 |
| Return on assets (ROA) | 1.1242% | 2,011 |
| Pretax return on assets | 1.5254% | 1,632 |
| Return on Equity (ROE) | 10.5433% | 1,852 |
| Retained earnings to average equity (ytd only) | 5.2931% | 2,636 |
| Net charge-offs to loans | -0.0111% | 4,809 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8465% | 3,614 |
| Assets per employee ($millions) | 4.6197% | 2,892 |
| Cash dividends to net income (ytd only)* | 49.7965% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,809 |
| Loan loss allowance to noncurrent loans | 70.0195% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1666% | 1,718 |
| Noncurrent loans to loans | 2.1239% | 898 |
| Net loans and leases to total assets | 54.1111% | 4,485 |
| Net loans and leases to deposits | 65.5144% | 4,388 |
| Net loans and leases to core deposits | 70.8906% | 4,258 |
| Total domestic deposits to total assets | 82.5941% | 3,745 |
| Equity capital to assets | 11.0726% | 2,942 |
| Core capital (leverage) ratio | 10.2736% | 3,252 |
| Tier 1 risk-based capital ratio | 14.0370% | 3,545 |
| Total risk-based capital ratio | 15.1586% | 3,532 |
| Memoranda: | ||
| Average total assets | $87,408,500 | 4,626 |
| Average earning assets | $79,847,250 | 4,627 |
| Average equity | $9,320,000 | 4,738 |
| Average total loans | $47,819,750 | 4,675 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 1,940 |
| Cost of funding earning assets | 0.3658% | 3,398 |
| Net interest margin | 3.9961% | 1,656 |
| Noninterest income to average assets | 0.4560% | 3,483 |
| Noninterest expense to average assets | 2.7358% | 3,248 |
| Loan and lease loss provision to assets | 0.0687% | 2,763 |
| Net operating income to assets | 0.9847% | 2,452 |
| Return on assets (ROA) | 1.0105% | 2,480 |
| Pretax return on assets | 1.3404% | 2,247 |
| Return on Equity (ROE) | 9.6005% | 2,231 |
| Retained earnings to average equity (ytd only) | 1.6110% | 4,736 |
| Net charge-offs to loans | -0.0168% | 4,873 |
| Credit loss provision to net charge-offs | -750.0000% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5552% | 3,597 |
| Assets per employee ($millions) | 4.6464% | 2,801 |
| Cash dividends to net income (ytd only)* | 83.2200% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 2,112 |
| Loan loss allowance to noncurrent loans | 111.6057% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 2,843 |
| Noncurrent loans to loans | 1.2891% | 1,756 |
| Net loans and leases to total assets | 54.4772% | 4,464 |
| Net loans and leases to deposits | 65.4255% | 4,389 |
| Net loans and leases to core deposits | 70.7000% | 4,280 |
| Total domestic deposits to total assets | 83.2659% | 3,549 |
| Equity capital to assets | 10.9310% | 3,133 |
| Core capital (leverage) ratio | 10.0050% | 3,556 |
| Tier 1 risk-based capital ratio | 14.2057% | 3,492 |
| Total risk-based capital ratio | 15.3553% | 3,459 |
| Memoranda: | ||
| Average total assets | $87,286,330 | 4,668 |
| Average earning assets | $79,827,000 | 4,665 |
| Average equity | $9,187,000 | 4,803 |
| Average total loans | $47,688,670 | 4,719 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 2,060 |
| Cost of funding earning assets | 0.3841% | 3,258 |
| Net interest margin | 3.9372% | 1,822 |
| Noninterest income to average assets | 0.4885% | 3,203 |
| Noninterest expense to average assets | 2.7745% | 3,170 |
| Loan and lease loss provision to assets | 0.0691% | 2,571 |
| Net operating income to assets | 0.9338% | 2,588 |
| Return on assets (ROA) | 0.9863% | 2,456 |
| Pretax return on assets | 1.3043% | 2,281 |
| Return on Equity (ROE) | 9.5584% | 2,178 |
| Retained earnings to average equity (ytd only) | -6.8338% | 5,714 |
| Net charge-offs to loans | -0.0085% | 4,461 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0226% | 3,463 |
| Assets per employee ($millions) | 4.5824% | 2,927 |
| Cash dividends to net income (ytd only)* | 171.4953% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 2,213 |
| Loan loss allowance to noncurrent loans | 130.0380% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 3,250 |
| Noncurrent loans to loans | 1.1131% | 2,174 |
| Net loans and leases to total assets | 53.4922% | 4,492 |
| Net loans and leases to deposits | 61.0377% | 4,646 |
| Net loans and leases to core deposits | 63.7550% | 4,705 |
| Total domestic deposits to total assets | 87.6380% | 1,840 |
| Equity capital to assets | 10.3038% | 3,739 |
| Core capital (leverage) ratio | 9.5807% | 4,060 |
| Tier 1 risk-based capital ratio | 14.1481% | 3,599 |
| Total risk-based capital ratio | 15.2937% | 3,593 |
| Memoranda: | ||
| Average total assets | $86,789,000 | 4,713 |
| Average earning assets | $79,142,000 | 4,725 |
| Average equity | $8,955,500 | 4,870 |
| Average total loans | $47,135,500 | 4,760 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,166 |
| Cost of funding earning assets | 0.3846% | 3,324 |
| Net interest margin | 3.9333% | 1,921 |
| Noninterest income to average assets | 0.4562% | 3,621 |
| Noninterest expense to average assets | 2.5963% | 3,938 |
| Loan and lease loss provision to assets | 0.1466% | 1,613 |
| Net operating income to assets | 0.8739% | 3,003 |
| Return on assets (ROA) | 0.9217% | 2,837 |
| Pretax return on assets | 1.3580% | 2,079 |
| Return on Equity (ROE) | 9.2855% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.3752% | 2,151 |
| Net charge-offs to loans | 0.2665% | 1,135 |
| Credit loss provision to net charge-offs | 100.8065% | 2,484 |
| Earnings coverage of net charge-offs (x) | 9.8629% | 2,767 |
| Efficiency ratio | 64.4166% | 4,181 |
| Assets per employee ($millions) | 4.5533% | 2,957 |
| Cash dividends to net income (ytd only)* | 42.1120% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 2,324 |
| Loan loss allowance to noncurrent loans | 120.7957% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 2,612 |
| Noncurrent loans to loans | 1.1762% | 2,008 |
| Net loans and leases to total assets | 53.5711% | 4,539 |
| Net loans and leases to deposits | 61.7856% | 4,646 |
| Net loans and leases to core deposits | 64.4760% | 4,710 |
| Total domestic deposits to total assets | 86.7049% | 2,272 |
| Equity capital to assets | 10.3337% | 3,588 |
| Core capital (leverage) ratio | 9.7385% | 3,850 |
| Tier 1 risk-based capital ratio | 14.1825% | 3,615 |
| Total risk-based capital ratio | 15.2839% | 3,619 |
| Memoranda: | ||
| Average total assets | $85,274,800 | 4,761 |
| Average earning assets | $77,492,800 | 4,775 |
| Average equity | $8,464,800 | 4,964 |
| Average total loans | $46,520,600 | 4,774 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 2,247 |
| Cost of funding earning assets | 0.3868% | 3,367 |
| Net interest margin | 3.9090% | 2,002 |
| Noninterest income to average assets | 0.4441% | 3,760 |
| Noninterest expense to average assets | 2.7148% | 3,511 |
| Loan and lease loss provision to assets | 0.0628% | 2,929 |
| Net operating income to assets | 0.8304% | 3,280 |
| Return on assets (ROA) | 0.8945% | 3,078 |
| Pretax return on assets | 1.3134% | 2,342 |
| Return on Equity (ROE) | 9.1059% | 2,523 |
| Retained earnings to average equity (ytd only) | 3.8181% | 3,756 |
| Net charge-offs to loans | 0.0776% | 2,448 |
| Credit loss provision to net charge-offs | 148.1481% | 1,700 |
| Earnings coverage of net charge-offs (x) | 30.2586% | 1,485 |
| Efficiency ratio | 67.9230% | 3,558 |
| Assets per employee ($millions) | 4.6294% | 2,795 |
| Cash dividends to net income (ytd only)* | 58.0699% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 2,626 |
| Loan loss allowance to noncurrent loans | 54.5746% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.6690% | 1,304 |
| Noncurrent loans to loans | 2.5576% | 788 |
| Net loans and leases to total assets | 54.6147% | 4,496 |
| Net loans and leases to deposits | 68.8885% | 4,104 |
| Net loans and leases to core deposits | 72.1259% | 4,180 |
| Total domestic deposits to total assets | 79.2799% | 4,914 |
| Equity capital to assets | 9.8263% | 4,364 |
| Core capital (leverage) ratio | 9.5181% | 4,279 |
| Tier 1 risk-based capital ratio | 13.4338% | 4,174 |
| Total risk-based capital ratio | 14.5230% | 4,195 |
| Memoranda: | ||
| Average total assets | $84,965,250 | 4,820 |
| Average earning assets | $77,222,500 | 4,839 |
| Average equity | $8,346,000 | 5,053 |
| Average total loans | $46,397,250 | 4,832 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,255 |
| Cost of funding earning assets | 0.3867% | 3,408 |
| Net interest margin | 3.8908% | 2,015 |
| Noninterest income to average assets | 0.4526% | 3,683 |
| Noninterest expense to average assets | 2.7415% | 3,444 |
| Loan and lease loss provision to assets | 0.0595% | 2,909 |
| Net operating income to assets | 0.8143% | 3,310 |
| Return on assets (ROA) | 0.9099% | 2,949 |
| Pretax return on assets | 1.3386% | 2,213 |
| Return on Equity (ROE) | 9.2640% | 2,400 |
| Retained earnings to average equity (ytd only) | 1.2368% | 5,064 |
| Net charge-offs to loans | 0.1227% | 1,783 |
| Credit loss provision to net charge-offs | 89.2857% | 2,208 |
| Earnings coverage of net charge-offs (x) | 18.8571% | 1,784 |
| Efficiency ratio | 68.5527% | 3,585 |
| Assets per employee ($millions) | 4.4468% | 3,069 |
| Cash dividends to net income (ytd only)* | 86.6492% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 2,718 |
| Loan loss allowance to noncurrent loans | 62.9384% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 2,013 |
| Noncurrent loans to loans | 2.2374% | 1,068 |
| Net loans and leases to total assets | 55.0225% | 4,455 |
| Net loans and leases to deposits | 66.4950% | 4,292 |
| Net loans and leases to core deposits | 69.5543% | 4,362 |
| Total domestic deposits to total assets | 82.7469% | 4,048 |
| Equity capital to assets | 9.6794% | 4,429 |
| Core capital (leverage) ratio | 9.6511% | 4,072 |
| Tier 1 risk-based capital ratio | 14.3137% | 3,752 |
| Total risk-based capital ratio | 15.4730% | 3,731 |
| Memoranda: | ||
| Average total assets | $83,967,670 | 4,898 |
| Average earning assets | $76,540,330 | 4,905 |
| Average equity | $8,247,000 | 5,114 |
| Average total loans | $45,623,670 | 4,901 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 2,608 |
| Cost of funding earning assets | 0.3980% | 3,328 |
| Net interest margin | 3.7601% | 2,391 |
| Noninterest income to average assets | 0.4444% | 3,670 |
| Noninterest expense to average assets | 2.6521% | 3,742 |
| Loan and lease loss provision to assets | 0.0478% | 2,975 |
| Net operating income to assets | 0.8076% | 3,220 |
| Return on assets (ROA) | 0.8076% | 3,342 |
| Pretax return on assets | 1.1755% | 2,757 |
| Return on Equity (ROE) | 8.1628% | 2,877 |
| Retained earnings to average equity (ytd only) | -7.8247% | 6,069 |
| Net charge-offs to loans | -0.1962% | 6,056 |
| Credit loss provision to net charge-offs | -45.4545% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4340% | 3,751 |
| Assets per employee ($millions) | 4.4121% | 3,188 |
| Cash dividends to net income (ytd only)* | 195.8580% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 2,206 |
| Loan loss allowance to noncurrent loans | 55.3883% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 1,740 |
| Noncurrent loans to loans | 2.8108% | 817 |
| Net loans and leases to total assets | 52.7246% | 4,585 |
| Net loans and leases to deposits | 58.9061% | 4,838 |
| Net loans and leases to core deposits | 61.4233% | 4,878 |
| Total domestic deposits to total assets | 89.5061% | 990 |
| Equity capital to assets | 9.8759% | 4,294 |
| Core capital (leverage) ratio | 9.6129% | 4,130 |
| Tier 1 risk-based capital ratio | 13.4485% | 4,351 |
| Total risk-based capital ratio | 14.6256% | 4,303 |
| Memoranda: | ||
| Average total assets | $83,707,000 | 4,949 |
| Average earning assets | $76,380,500 | 4,960 |
| Average equity | $8,281,500 | 5,142 |
| Average total loans | $44,859,500 | 4,953 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 1,787 |
| Cost of funding earning assets | 0.4543% | 3,128 |
| Net interest margin | 4.0675% | 1,688 |
| Noninterest income to average assets | 0.5196% | 3,364 |
| Noninterest expense to average assets | 2.8058% | 3,456 |
| Loan and lease loss provision to assets | 0.1007% | 2,476 |
| Net operating income to assets | 0.8367% | 3,189 |
| Return on assets (ROA) | 0.8342% | 3,295 |
| Pretax return on assets | 1.2481% | 2,451 |
| Return on Equity (ROE) | 8.3740% | 2,928 |
| Retained earnings to average equity (ytd only) | 2.5766% | 4,406 |
| Net charge-offs to loans | 0.2022% | 2,047 |
| Credit loss provision to net charge-offs | 83.3333% | 2,794 |
| Earnings coverage of net charge-offs (x) | 11.1979% | 2,529 |
| Efficiency ratio | 67.4735% | 3,990 |
| Assets per employee ($millions) | 4.1792% | 3,581 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 2,532 |
| Loan loss allowance to noncurrent loans | 58.8183% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.3567% | 2,059 |
| Noncurrent loans to loans | 2.5301% | 1,003 |
| Net loans and leases to total assets | 52.8259% | 4,712 |
| Net loans and leases to deposits | 60.5496% | 4,852 |
| Net loans and leases to core deposits | 62.1397% | 4,991 |
| Total domestic deposits to total assets | 87.2440% | 2,150 |
| Equity capital to assets | 9.9110% | 4,221 |
| Core capital (leverage) ratio | 9.8979% | 3,716 |
| Tier 1 risk-based capital ratio | 14.2805% | 3,912 |
| Total risk-based capital ratio | 15.4496% | 3,896 |
| Memoranda: | ||
| Average total assets | $79,478,800 | 5,075 |
| Average earning assets | $71,100,600 | 5,098 |
| Average equity | $7,917,400 | 5,223 |
| Average total loans | $47,475,400 | 4,902 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 1,559 |
| Cost of funding earning assets | 0.4608% | 3,144 |
| Net interest margin | 4.1394% | 1,465 |
| Noninterest income to average assets | 0.5387% | 3,266 |
| Noninterest expense to average assets | 2.8620% | 3,253 |
| Loan and lease loss provision to assets | 0.1105% | 2,203 |
| Net operating income to assets | 0.8384% | 3,239 |
| Return on assets (ROA) | 0.8430% | 3,310 |
| Pretax return on assets | 1.2525% | 2,562 |
| Return on Equity (ROE) | 8.4506% | 2,967 |
| Retained earnings to average equity (ytd only) | 0.6304% | 5,617 |
| Net charge-offs to loans | 0.2022% | 1,850 |
| Credit loss provision to net charge-offs | 89.0411% | 2,450 |
| Earnings coverage of net charge-offs (x) | 10.9316% | 2,487 |
| Efficiency ratio | 67.8485% | 3,886 |
| Assets per employee ($millions) | 4.0567% | 3,764 |
| Cash dividends to net income (ytd only)* | 92.5392% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 3,443 |
| Loan loss allowance to noncurrent loans | 55.1922% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.5074% | 2,044 |
| Noncurrent loans to loans | 2.4303% | 1,223 |
| Net loans and leases to total assets | 61.1933% | 3,594 |
| Net loans and leases to deposits | 69.2335% | 4,003 |
| Net loans and leases to core deposits | 72.8596% | 4,068 |
| Total domestic deposits to total assets | 88.3870% | 1,561 |
| Equity capital to assets | 10.0058% | 4,155 |
| Core capital (leverage) ratio | 9.9841% | 3,703 |
| Tier 1 risk-based capital ratio | 13.3577% | 4,639 |
| Total risk-based capital ratio | 14.4875% | 4,642 |
| Memoranda: | ||
| Average total assets | $78,452,500 | 5,159 |
| Average earning assets | $69,734,000 | 5,180 |
| Average equity | $7,825,750 | 5,288 |
| Average total loans | $48,139,000 | 4,928 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 1,804 |
| Cost of funding earning assets | 0.4668% | 3,140 |
| Net interest margin | 4.0419% | 1,689 |
| Noninterest income to average assets | 0.5570% | 3,068 |
| Noninterest expense to average assets | 2.8855% | 3,217 |
| Loan and lease loss provision to assets | 0.0774% | 2,732 |
| Net operating income to assets | 0.8019% | 3,324 |
| Return on assets (ROA) | 0.8174% | 3,343 |
| Pretax return on assets | 1.2120% | 2,616 |
| Return on Equity (ROE) | 8.2036% | 2,985 |
| Retained earnings to average equity (ytd only) | -3.6748% | 6,149 |
| Net charge-offs to loans | 0.2362% | 1,626 |
| Credit loss provision to net charge-offs | 53.5714% | 2,740 |
| Earnings coverage of net charge-offs (x) | 8.7679% | 2,449 |
| Efficiency ratio | 69.5031% | 3,736 |
| Assets per employee ($millions) | 3.9916% | 3,852 |
| Cash dividends to net income (ytd only)* | 144.7950% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,729 |
| Loan loss allowance to noncurrent loans | 60.2752% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3654% | 2,398 |
| Noncurrent loans to loans | 2.1979% | 1,489 |
| Net loans and leases to total assets | 61.2982% | 3,523 |
| Net loans and leases to deposits | 68.4224% | 4,006 |
| Net loans and leases to core deposits | 72.6125% | 3,984 |
| Total domestic deposits to total assets | 89.5880% | 1,024 |
| Equity capital to assets | 9.9122% | 4,232 |
| Core capital (leverage) ratio | 9.8557% | 3,808 |
| Tier 1 risk-based capital ratio | 12.8023% | 5,029 |
| Total risk-based capital ratio | 13.8804% | 5,072 |
| Memoranda: | ||
| Average total assets | $77,559,000 | 5,214 |
| Average earning assets | $68,977,670 | 5,242 |
| Average equity | $7,728,330 | 5,333 |
| Average total loans | $47,411,000 | 4,985 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 1,937 |
| Cost of funding earning assets | 0.4843% | 3,069 |
| Net interest margin | 3.9748% | 1,841 |
| Noninterest income to average assets | 0.5967% | 2,755 |
| Noninterest expense to average assets | 2.8787% | 3,287 |
| Loan and lease loss provision to assets | 0.0785% | 2,579 |
| Net operating income to assets | 0.7845% | 3,226 |
| Return on assets (ROA) | 0.8165% | 3,141 |
| Pretax return on assets | 1.2091% | 2,452 |
| Return on Equity (ROE) | 8.1718% | 2,855 |
| Retained earnings to average equity (ytd only) | -15.8722% | 6,480 |
| Net charge-offs to loans | 0.1382% | 1,888 |
| Credit loss provision to net charge-offs | 93.7500% | 1,765 |
| Earnings coverage of net charge-offs (x) | 14.8125% | 1,582 |
| Efficiency ratio | 69.8856% | 3,858 |
| Assets per employee ($millions) | 3.8578% | 4,220 |
| Cash dividends to net income (ytd only)* | 294.2308% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 3,417 |
| Loan loss allowance to noncurrent loans | 50.6686% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.0038% | 1,706 |
| Noncurrent loans to loans | 2.8421% | 1,154 |
| Net loans and leases to total assets | 60.4977% | 3,473 |
| Net loans and leases to deposits | 67.3239% | 3,932 |
| Net loans and leases to core deposits | 71.5773% | 3,914 |
| Total domestic deposits to total assets | 89.8607% | 1,147 |
| Equity capital to assets | 9.8127% | 4,089 |
| Core capital (leverage) ratio | 9.9238% | 3,671 |
| Tier 1 risk-based capital ratio | 13.0446% | 4,981 |
| Total risk-based capital ratio | 14.2089% | 4,964 |
| Memoranda: | ||
| Average total assets | $76,423,000 | 5,290 |
| Average earning assets | $67,727,000 | 5,325 |
| Average equity | $7,636,000 | 5,382 |
| Average total loans | $46,320,500 | 5,068 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 2,047 |
| Cost of funding earning assets | 0.5608% | 3,015 |
| Net interest margin | 3.9844% | 1,994 |
| Noninterest income to average assets | 0.5746% | 3,250 |
| Noninterest expense to average assets | 2.9834% | 3,100 |
| Loan and lease loss provision to assets | 0.0829% | 3,462 |
| Net operating income to assets | 0.7134% | 3,732 |
| Return on assets (ROA) | 0.7003% | 3,877 |
| Pretax return on assets | 1.0318% | 3,221 |
| Return on Equity (ROE) | 6.6913% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.6913% | 1,583 |
| Net charge-offs to loans | 0.0825% | 4,059 |
| Credit loss provision to net charge-offs | 162.1622% | 1,411 |
| Earnings coverage of net charge-offs (x) | 22.1892% | 1,460 |
| Efficiency ratio | 72.4589% | 3,391 |
| Assets per employee ($millions) | 3.7846% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 3,137 |
| Loan loss allowance to noncurrent loans | 47.1685% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 2.2024% | 1,622 |
| Noncurrent loans to loans | 3.1977% | 1,051 |
| Net loans and leases to total assets | 58.9225% | 3,884 |
| Net loans and leases to deposits | 66.4645% | 4,247 |
| Net loans and leases to core deposits | 71.6622% | 4,113 |
| Total domestic deposits to total assets | 88.6525% | 1,826 |
| Equity capital to assets | 10.1743% | 3,540 |
| Core capital (leverage) ratio | 10.7622% | 2,612 |
| Tier 1 risk-based capital ratio | 13.8740% | 4,380 |
| Total risk-based capital ratio | 15.0669% | 4,374 |
| Memoranda: | ||
| Average total assets | $72,399,600 | 5,409 |
| Average earning assets | $64,375,800 | 5,451 |
| Average equity | $7,577,000 | 5,440 |
| Average total loans | $44,860,400 | 5,155 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 1,937 |
| Cost of funding earning assets | 0.5685% | 3,092 |
| Net interest margin | 4.0211% | 1,872 |
| Noninterest income to average assets | 0.5365% | 3,547 |
| Noninterest expense to average assets | 3.0400% | 2,856 |
| Loan and lease loss provision to assets | 0.0838% | 3,381 |
| Net operating income to assets | 0.6779% | 3,964 |
| Return on assets (ROA) | 0.6538% | 4,233 |
| Pretax return on assets | 0.9612% | 3,644 |
| Return on Equity (ROE) | 6.2018% | 4,077 |
| Retained earnings to average equity (ytd only) | 6.2018% | 2,288 |
| Net charge-offs to loans | -0.0179% | 6,022 |
| Credit loss provision to net charge-offs | -750.0000% | 6,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7794% | 3,103 |
| Assets per employee ($millions) | 3.4364% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 3,398 |
| Loan loss allowance to noncurrent loans | 39.2818% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 2.8130% | 1,320 |
| Noncurrent loans to loans | 3.8541% | 930 |
| Net loans and leases to total assets | 64.0929% | 2,988 |
| Net loans and leases to deposits | 74.9045% | 3,101 |
| Net loans and leases to core deposits | 82.1207% | 2,859 |
| Total domestic deposits to total assets | 85.5662% | 3,462 |
| Equity capital to assets | 10.4858% | 3,294 |
| Core capital (leverage) ratio | 10.9980% | 2,480 |
| Tier 1 risk-based capital ratio | 13.4021% | 4,837 |
| Total risk-based capital ratio | 14.6258% | 4,790 |
| Memoranda: | ||
| Average total assets | $71,576,750 | 5,487 |
| Average earning assets | $63,795,000 | 5,529 |
| Average equity | $7,546,000 | 5,510 |
| Average total loans | $44,755,000 | 5,210 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 2,143 |
| Cost of funding earning assets | 0.5723% | 3,195 |
| Net interest margin | 3.9429% | 2,069 |
| Noninterest income to average assets | 0.5408% | 3,562 |
| Noninterest expense to average assets | 3.1409% | 2,550 |
| Loan and lease loss provision to assets | 0.0841% | 3,395 |
| Net operating income to assets | 0.5744% | 4,422 |
| Return on assets (ROA) | 0.5744% | 4,599 |
| Pretax return on assets | 0.8294% | 4,199 |
| Return on Equity (ROE) | 5.4384% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.4384% | 2,777 |
| Net charge-offs to loans | 0.0045% | 4,817 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 158 |
| Efficiency ratio | 77.4706% | 2,548 |
| Assets per employee ($millions) | 3.5287% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 3,401 |
| Loan loss allowance to noncurrent loans | 39.9189% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 2.7603% | 1,502 |
| Noncurrent loans to loans | 3.8602% | 1,041 |
| Net loans and leases to total assets | 62.3808% | 3,222 |
| Net loans and leases to deposits | 70.5479% | 3,651 |
| Net loans and leases to core deposits | 77.2297% | 3,396 |
| Total domestic deposits to total assets | 88.4233% | 1,967 |
| Equity capital to assets | 10.5040% | 3,300 |
| Core capital (leverage) ratio | 10.7790% | 2,586 |
| Tier 1 risk-based capital ratio | 13.7273% | 4,624 |
| Total risk-based capital ratio | 14.9651% | 4,596 |
| Memoranda: | ||
| Average total assets | $71,381,000 | 5,528 |
| Average earning assets | $63,607,670 | 5,578 |
| Average equity | $7,539,000 | 5,550 |
| Average total loans | $44,019,000 | 5,266 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 2,262 |
| Cost of funding earning assets | 0.5803% | 3,291 |
| Net interest margin | 3.8934% | 2,143 |
| Noninterest income to average assets | 0.5795% | 3,255 |
| Noninterest expense to average assets | 3.2765% | 2,141 |
| Loan and lease loss provision to assets | 0.0836% | 3,257 |
| Net operating income to assets | 0.4848% | 4,753 |
| Return on assets (ROA) | 0.4848% | 4,908 |
| Pretax return on assets | 0.6965% | 4,595 |
| Return on Equity (ROE) | 4.5777% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.5777% | 3,490 |
| Net charge-offs to loans | -0.0641% | 6,240 |
| Credit loss provision to net charge-offs | -214.2857% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7692% | 2,212 |
| Assets per employee ($millions) | 3.3561% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,510 |
| Loan loss allowance to noncurrent loans | 37.4314% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 2.9044% | 1,552 |
| Noncurrent loans to loans | 4.2038% | 1,045 |
| Net loans and leases to total assets | 60.5287% | 3,339 |
| Net loans and leases to deposits | 68.8387% | 3,660 |
| Net loans and leases to core deposits | 74.9776% | 3,470 |
| Total domestic deposits to total assets | 87.9283% | 2,363 |
| Equity capital to assets | 10.8160% | 3,179 |
| Core capital (leverage) ratio | 10.5479% | 2,708 |
| Tier 1 risk-based capital ratio | 13.8716% | 4,595 |
| Total risk-based capital ratio | 15.1218% | 4,558 |
| Memoranda: | ||
| Average total assets | $71,785,000 | 5,570 |
| Average earning assets | $64,108,000 | 5,612 |
| Average equity | $7,602,000 | 5,606 |
| Average total loans | $43,672,000 | 5,314 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 1,981 |
| Cost of funding earning assets | 0.5969% | 4,391 |
| Net interest margin | 4.2641% | 1,481 |
| Noninterest income to average assets | 0.5310% | 3,704 |
| Noninterest expense to average assets | 2.9532% | 3,454 |
| Loan and lease loss provision to assets | 0.0856% | 4,632 |
| Net operating income to assets | 0.8671% | 2,972 |
| Return on assets (ROA) | 1.0734% | 2,230 |
| Pretax return on assets | 1.6386% | 1,286 |
| Return on Equity (ROE) | 9.3972% | 2,443 |
| Retained earnings to average equity (ytd only) | -6.6730% | 6,513 |
| Net charge-offs to loans | 0.1318% | 4,356 |
| Credit loss provision to net charge-offs | 105.2632% | 2,830 |
| Earnings coverage of net charge-offs (x) | 17.3509% | 1,510 |
| Efficiency ratio | 67.6586% | 4,207 |
| Assets per employee ($millions) | 3.6546% | 4,665 |
| Cash dividends to net income (ytd only)* | 171.0106% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 3,750 |
| Loan loss allowance to noncurrent loans | 73.0088% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 3,061 |
| Noncurrent loans to loans | 2.0545% | 2,635 |
| Net loans and leases to total assets | 59.2987% | 3,726 |
| Net loans and leases to deposits | 68.1253% | 3,963 |
| Net loans and leases to core deposits | 73.5395% | 3,842 |
| Total domestic deposits to total assets | 87.0435% | 2,826 |
| Equity capital to assets | 10.3720% | 3,668 |
| Core capital (leverage) ratio | 10.3552% | 2,938 |
| Tier 1 risk-based capital ratio | 13.5553% | 4,712 |
| Total risk-based capital ratio | 14.7583% | 4,697 |
| Memoranda: | ||
| Average total assets | $70,059,800 | 5,627 |
| Average earning assets | $62,990,800 | 5,638 |
| Average equity | $8,002,400 | 5,504 |
| Average total loans | $43,236,800 | 5,363 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 1,961 |
| Cost of funding earning assets | 0.6142% | 4,503 |
| Net interest margin | 4.2994% | 1,460 |
| Noninterest income to average assets | 0.5175% | 3,814 |
| Noninterest expense to average assets | 2.9474% | 3,417 |
| Loan and lease loss provision to assets | 0.0866% | 4,522 |
| Net operating income to assets | 0.8963% | 2,998 |
| Return on assets (ROA) | 1.1236% | 2,208 |
| Pretax return on assets | 1.7065% | 1,253 |
| Return on Equity (ROE) | 9.6038% | 2,541 |
| Retained earnings to average equity (ytd only) | 3.5686% | 4,364 |
| Net charge-offs to loans | 0.0558% | 4,874 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 41.8321% | 849 |
| Efficiency ratio | 67.0460% | 4,238 |
| Assets per employee ($millions) | 3.4355% | 5,132 |
| Cash dividends to net income (ytd only)* | 62.8421% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 3,822 |
| Loan loss allowance to noncurrent loans | 49.2086% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0230% | 2,609 |
| Noncurrent loans to loans | 3.1068% | 1,790 |
| Net loans and leases to total assets | 64.1197% | 3,007 |
| Net loans and leases to deposits | 75.7379% | 3,021 |
| Net loans and leases to core deposits | 82.3246% | 2,918 |
| Total domestic deposits to total assets | 84.6599% | 3,913 |
| Equity capital to assets | 12.1309% | 2,162 |
| Core capital (leverage) ratio | 11.7527% | 1,809 |
| Tier 1 risk-based capital ratio | 15.4217% | 3,585 |
| Total risk-based capital ratio | 16.6723% | 3,537 |
| Memoranda: | ||
| Average total assets | $69,302,000 | 5,711 |
| Average earning assets | $62,518,500 | 5,718 |
| Average equity | $8,107,750 | 5,529 |
| Average total loans | $43,045,500 | 5,435 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 2,114 |
| Cost of funding earning assets | 0.6168% | 4,747 |
| Net interest margin | 4.2824% | 1,515 |
| Noninterest income to average assets | 0.5122% | 3,847 |
| Noninterest expense to average assets | 2.8547% | 3,804 |
| Loan and lease loss provision to assets | 0.0863% | 4,506 |
| Net operating income to assets | 0.9378% | 2,725 |
| Return on assets (ROA) | 1.0993% | 2,275 |
| Pretax return on assets | 1.6720% | 1,336 |
| Return on Equity (ROE) | 9.5120% | 2,566 |
| Retained earnings to average equity (ytd only) | 0.3735% | 5,919 |
| Net charge-offs to loans | 0.0800% | 4,347 |
| Credit loss provision to net charge-offs | 176.4706% | 1,593 |
| Earnings coverage of net charge-offs (x) | 30.9412% | 1,050 |
| Efficiency ratio | 65.3491% | 4,658 |
| Assets per employee ($millions) | 3.3987% | 5,213 |
| Cash dividends to net income (ytd only)* | 96.0733% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 3,777 |
| Loan loss allowance to noncurrent loans | 29.5675% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 3.3337% | 1,617 |
| Noncurrent loans to loans | 5.2440% | 913 |
| Net loans and leases to total assets | 62.5851% | 3,315 |
| Net loans and leases to deposits | 73.7509% | 3,332 |
| Net loans and leases to core deposits | 81.3621% | 3,042 |
| Total domestic deposits to total assets | 84.8602% | 3,926 |
| Equity capital to assets | 11.9003% | 2,218 |
| Core capital (leverage) ratio | 11.7720% | 1,741 |
| Tier 1 risk-based capital ratio | 15.4993% | 3,438 |
| Total risk-based capital ratio | 16.7492% | 3,407 |
| Memoranda: | ||
| Average total assets | $69,499,670 | 5,744 |
| Average earning assets | $62,581,000 | 5,749 |
| Average equity | $8,032,000 | 5,564 |
| Average total loans | $42,480,670 | 5,495 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 2,373 |
| Cost of funding earning assets | 0.6246% | 4,932 |
| Net interest margin | 4.2399% | 1,636 |
| Noninterest income to average assets | 0.5522% | 3,549 |
| Noninterest expense to average assets | 2.7383% | 4,288 |
| Loan and lease loss provision to assets | 0.0854% | 4,313 |
| Net operating income to assets | 1.0094% | 2,443 |
| Return on assets (ROA) | 1.2240% | 1,853 |
| Pretax return on assets | 1.8843% | 909 |
| Return on Equity (ROE) | 10.7453% | 2,123 |
| Retained earnings to average equity (ytd only) | -7.5967% | 6,743 |
| Net charge-offs to loans | 0.1995% | 2,924 |
| Credit loss provision to net charge-offs | 71.4286% | 2,876 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 1,520 |
| Efficiency ratio | 62.5488% | 5,180 |
| Assets per employee ($millions) | 3.4463% | 5,247 |
| Cash dividends to net income (ytd only)* | 170.6977% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,885 |
| Loan loss allowance to noncurrent loans | 47.4836% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.9891% | 2,912 |
| Noncurrent loans to loans | 3.2879% | 1,941 |
| Net loans and leases to total assets | 59.5523% | 3,761 |
| Net loans and leases to deposits | 69.1597% | 3,850 |
| Net loans and leases to core deposits | 76.0778% | 3,608 |
| Total domestic deposits to total assets | 86.1083% | 3,466 |
| Equity capital to assets | 11.5269% | 2,419 |
| Core capital (leverage) ratio | 11.1670% | 2,136 |
| Tier 1 risk-based capital ratio | 15.4195% | 3,488 |
| Total risk-based capital ratio | 16.6700% | 3,460 |
| Memoranda: | ||
| Average total assets | $70,263,000 | 5,762 |
| Average earning assets | $63,397,500 | 5,769 |
| Average equity | $8,003,500 | 5,595 |
| Average total loans | $42,115,500 | 5,547 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 3,679 |
| Cost of funding earning assets | 0.8011% | 4,861 |
| Net interest margin | 4.0258% | 2,756 |
| Noninterest income to average assets | 0.5316% | 3,639 |
| Noninterest expense to average assets | 2.8128% | 4,298 |
| Loan and lease loss provision to assets | 0.0851% | 5,541 |
| Net operating income to assets | 0.7785% | 3,140 |
| Return on assets (ROA) | 0.8166% | 3,134 |
| Pretax return on assets | 1.3483% | 1,955 |
| Return on Equity (ROE) | 7.4434% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.4434% | 1,294 |
| Net charge-offs to loans | -0.0114% | 6,899 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1859% | 4,537 |
| Assets per employee ($millions) | 3.7684% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,811 |
| Loan loss allowance to noncurrent loans | 40.0122% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 2.3031% | 2,619 |
| Noncurrent loans to loans | 3.8605% | 1,628 |
| Net loans and leases to total assets | 58.4860% | 4,284 |
| Net loans and leases to deposits | 68.5930% | 4,347 |
| Net loans and leases to core deposits | 74.3537% | 4,191 |
| Total domestic deposits to total assets | 85.2654% | 3,714 |
| Equity capital to assets | 11.2598% | 2,731 |
| Core capital (leverage) ratio | 11.0770% | 2,212 |
| Tier 1 risk-based capital ratio | 15.3952% | 3,391 |
| Total risk-based capital ratio | 16.6448% | 3,345 |
| Memoranda: | ||
| Average total assets | $70,535,800 | 5,726 |
| Average earning assets | $64,036,200 | 5,733 |
| Average equity | $7,738,400 | 5,652 |
| Average total loans | $44,019,600 | 5,517 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 3,724 |
| Cost of funding earning assets | 0.8268% | 4,966 |
| Net interest margin | 4.0338% | 2,762 |
| Noninterest income to average assets | 0.5370% | 3,602 |
| Noninterest expense to average assets | 2.8992% | 3,936 |
| Loan and lease loss provision to assets | 0.0854% | 5,376 |
| Net operating income to assets | 0.7615% | 3,332 |
| Return on assets (ROA) | 0.8235% | 3,217 |
| Pretax return on assets | 1.3244% | 2,203 |
| Return on Equity (ROE) | 7.5566% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.5566% | 1,685 |
| Net charge-offs to loans | -0.0601% | 7,083 |
| Credit loss provision to net charge-offs | -225.0000% | 6,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8288% | 4,152 |
| Assets per employee ($millions) | 3.6952% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 4,566 |
| Loan loss allowance to noncurrent loans | 49.2873% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 3,255 |
| Noncurrent loans to loans | 2.8386% | 2,454 |
| Net loans and leases to total assets | 65.9497% | 2,912 |
| Net loans and leases to deposits | 77.5318% | 3,081 |
| Net loans and leases to core deposits | 84.3895% | 3,006 |
| Total domestic deposits to total assets | 85.0615% | 3,743 |
| Equity capital to assets | 11.2964% | 2,868 |
| Core capital (leverage) ratio | 11.1462% | 2,285 |
| Tier 1 risk-based capital ratio | 14.1886% | 4,212 |
| Total risk-based capital ratio | 15.3792% | 4,226 |
| Memoranda: | ||
| Average total assets | $70,269,750 | 5,775 |
| Average earning assets | $64,023,500 | 5,772 |
| Average equity | $7,657,500 | 5,703 |
| Average total loans | $44,391,250 | 5,542 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 4,344 |
| Cost of funding earning assets | 0.8558% | 5,019 |
| Net interest margin | 3.8854% | 3,379 |
| Noninterest income to average assets | 0.5235% | 3,674 |
| Noninterest expense to average assets | 2.8681% | 4,148 |
| Loan and lease loss provision to assets | 0.0711% | 5,420 |
| Net operating income to assets | 0.6687% | 3,697 |
| Return on assets (ROA) | 0.6687% | 3,817 |
| Pretax return on assets | 1.1239% | 2,760 |
| Return on Equity (ROE) | 6.2117% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.2117% | 2,290 |
| Net charge-offs to loans | -0.0827% | 7,121 |
| Credit loss provision to net charge-offs | -138.8889% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 4,012 |
| Assets per employee ($millions) | 3.7029% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 4,386 |
| Loan loss allowance to noncurrent loans | 58.4715% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 3,850 |
| Noncurrent loans to loans | 2.4663% | 2,921 |
| Net loans and leases to total assets | 61.6849% | 3,951 |
| Net loans and leases to deposits | 72.2269% | 4,077 |
| Net loans and leases to core deposits | 79.4490% | 3,868 |
| Total domestic deposits to total assets | 85.4042% | 3,677 |
| Equity capital to assets | 11.1661% | 2,798 |
| Core capital (leverage) ratio | 10.7501% | 2,469 |
| Tier 1 risk-based capital ratio | 14.5038% | 3,784 |
| Total risk-based capital ratio | 15.7108% | 3,787 |
| Memoranda: | ||
| Average total assets | $70,290,330 | 5,819 |
| Average earning assets | $64,035,330 | 5,826 |
| Average equity | $7,566,330 | 5,745 |
| Average total loans | $43,535,330 | 5,630 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 5,172 |
| Cost of funding earning assets | 0.8887% | 5,007 |
| Net interest margin | 3.6612% | 4,276 |
| Noninterest income to average assets | 0.4953% | 3,929 |
| Noninterest expense to average assets | 2.8865% | 4,123 |
| Loan and lease loss provision to assets | 0.0569% | 5,285 |
| Net operating income to assets | 0.5450% | 4,292 |
| Return on assets (ROA) | 0.5523% | 4,347 |
| Pretax return on assets | 0.8939% | 3,518 |
| Return on Equity (ROE) | 5.2281% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.2281% | 3,044 |
| Net charge-offs to loans | -0.1201% | 7,136 |
| Credit loss provision to net charge-offs | -76.9231% | 5,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4464% | 3,254 |
| Assets per employee ($millions) | 3.6888% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,485 |
| Loan loss allowance to noncurrent loans | 60.9514% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.4568% | 4,078 |
| Noncurrent loans to loans | 2.3608% | 3,126 |
| Net loans and leases to total assets | 60.1024% | 4,240 |
| Net loans and leases to deposits | 69.9874% | 4,343 |
| Net loans and leases to core deposits | 76.7873% | 4,197 |
| Total domestic deposits to total assets | 85.8761% | 3,594 |
| Equity capital to assets | 10.6924% | 2,996 |
| Core capital (leverage) ratio | 10.7542% | 2,395 |
| Tier 1 risk-based capital ratio | 14.7307% | 3,592 |
| Total risk-based capital ratio | 15.9415% | 3,574 |
| Memoranda: | ||
| Average total assets | $70,257,500 | 5,864 |
| Average earning assets | $63,914,000 | 5,864 |
| Average equity | $7,421,500 | 5,798 |
| Average total loans | $43,286,000 | 5,693 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3083% | 3,094 |
| Cost of funding earning assets | 1.2382% | 4,302 |
| Net interest margin | 4.0701% | 2,707 |
| Noninterest income to average assets | 0.5572% | 3,774 |
| Noninterest expense to average assets | 3.2600% | 2,869 |
| Loan and lease loss provision to assets | 0.0835% | 6,317 |
| Net operating income to assets | 0.5589% | 3,854 |
| Return on assets (ROA) | 0.6742% | 3,466 |
| Pretax return on assets | 1.0219% | 2,856 |
| Return on Equity (ROE) | 5.9219% | 3,646 |
| Retained earnings to average equity (ytd only) | -6.3354% | 6,414 |
| Net charge-offs to loans | 0.2633% | 4,719 |
| Credit loss provision to net charge-offs | 45.8333% | 6,318 |
| Earnings coverage of net charge-offs (x) | 5.1083% | 2,710 |
| Efficiency ratio | 77.7899% | 2,742 |
| Assets per employee ($millions) | 3.5214% | 4,887 |
| Cash dividends to net income (ytd only)* | 206.9820% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 4,744 |
| Loan loss allowance to noncurrent loans | 54.2125% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5505% | 3,989 |
| Noncurrent loans to loans | 2.4913% | 3,030 |
| Net loans and leases to total assets | 61.3975% | 4,421 |
| Net loans and leases to deposits | 72.3069% | 4,465 |
| Net loans and leases to core deposits | 80.0611% | 4,208 |
| Total domestic deposits to total assets | 84.9123% | 3,905 |
| Equity capital to assets | 10.4348% | 3,232 |
| Core capital (leverage) ratio | 10.4154% | 2,655 |
| Tier 1 risk-based capital ratio | 13.8163% | 3,986 |
| Total risk-based capital ratio | 14.9311% | 4,050 |
| Memoranda: | ||
| Average total assets | $65,859,600 | 6,006 |
| Average earning assets | $58,794,800 | 6,037 |
| Average equity | $7,497,600 | 5,876 |
| Average total loans | $45,576,600 | 5,679 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4440% | 2,675 |
| Cost of funding earning assets | 1.3268% | 4,062 |
| Net interest margin | 4.1172% | 2,543 |
| Noninterest income to average assets | 0.5727% | 3,632 |
| Noninterest expense to average assets | 3.3560% | 2,413 |
| Loan and lease loss provision to assets | 0.0927% | 6,103 |
| Net operating income to assets | 0.5144% | 4,243 |
| Return on assets (ROA) | 0.6572% | 3,780 |
| Pretax return on assets | 0.9971% | 3,197 |
| Return on Equity (ROE) | 5.6448% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.6448% | 2,569 |
| Net charge-offs to loans | 0.1362% | 5,208 |
| Credit loss provision to net charge-offs | 95.7447% | 4,526 |
| Earnings coverage of net charge-offs (x) | 9.0206% | 2,079 |
| Efficiency ratio | 79.3473% | 2,445 |
| Assets per employee ($millions) | 3.3173% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 4,487 |
| Loan loss allowance to noncurrent loans | 45.2348% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.7025% | 2,673 |
| Noncurrent loans to loans | 3.0847% | 2,586 |
| Net loans and leases to total assets | 69.7646% | 2,792 |
| Net loans and leases to deposits | 83.7968% | 2,736 |
| Net loans and leases to core deposits | 93.8921% | 2,538 |
| Total domestic deposits to total assets | 83.2545% | 4,480 |
| Equity capital to assets | 11.5094% | 2,526 |
| Core capital (leverage) ratio | 11.4359% | 1,978 |
| Tier 1 risk-based capital ratio | 13.5889% | 4,129 |
| Total risk-based capital ratio | 14.7771% | 4,133 |
| Memoranda: | ||
| Average total assets | $64,717,500 | 6,116 |
| Average earning assets | $57,480,500 | 6,143 |
| Average equity | $7,534,750 | 5,931 |
| Average total loans | $46,012,500 | 5,733 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 2,548 |
| Cost of funding earning assets | 1.4119% | 3,802 |
| Net interest margin | 4.0810% | 2,649 |
| Noninterest income to average assets | 0.6077% | 3,282 |
| Noninterest expense to average assets | 3.4562% | 2,135 |
| Loan and lease loss provision to assets | 0.0935% | 5,979 |
| Net operating income to assets | 0.4478% | 4,562 |
| Return on assets (ROA) | 0.6638% | 3,709 |
| Pretax return on assets | 1.0066% | 3,089 |
| Return on Equity (ROE) | 5.6792% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.6792% | 2,508 |
| Net charge-offs to loans | -0.0131% | 7,234 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7244% | 2,206 |
| Assets per employee ($millions) | 3.2409% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 3,616 |
| Loan loss allowance to noncurrent loans | 74.7562% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 2.0704% | 3,420 |
| Noncurrent loans to loans | 2.0918% | 3,600 |
| Net loans and leases to total assets | 67.0092% | 3,619 |
| Net loans and leases to deposits | 80.7053% | 3,483 |
| Net loans and leases to core deposits | 91.0299% | 3,119 |
| Total domestic deposits to total assets | 83.0294% | 4,561 |
| Equity capital to assets | 11.6403% | 2,328 |
| Core capital (leverage) ratio | 11.1740% | 2,119 |
| Tier 1 risk-based capital ratio | 13.9087% | 3,794 |
| Total risk-based capital ratio | 15.1496% | 3,762 |
| Memoranda: | ||
| Average total assets | $64,174,670 | 6,174 |
| Average earning assets | $56,946,330 | 6,203 |
| Average equity | $7,501,000 | 5,970 |
| Average total loans | $45,703,000 | 5,783 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5309% | 2,453 |
| Cost of funding earning assets | 1.4447% | 3,908 |
| Net interest margin | 4.0862% | 2,503 |
| Noninterest income to average assets | 0.6014% | 3,270 |
| Noninterest expense to average assets | 3.5519% | 1,841 |
| Loan and lease loss provision to assets | 0.0940% | 5,687 |
| Net operating income to assets | 0.3821% | 4,917 |
| Return on assets (ROA) | 0.3821% | 5,053 |
| Pretax return on assets | 0.5701% | 4,715 |
| Return on Equity (ROE) | 3.2625% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.2625% | 4,189 |
| Net charge-offs to loans | -0.0430% | 7,303 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2496% | 2,000 |
| Assets per employee ($millions) | 3.2365% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 4,269 |
| Loan loss allowance to noncurrent loans | 86.1323% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.2143% | 4,745 |
| Noncurrent loans to loans | 1.6594% | 4,255 |
| Net loans and leases to total assets | 72.1288% | 2,419 |
| Net loans and leases to deposits | 86.8649% | 2,433 |
| Net loans and leases to core deposits | 96.6366% | 2,507 |
| Total domestic deposits to total assets | 83.0357% | 4,608 |
| Equity capital to assets | 11.6329% | 2,278 |
| Core capital (leverage) ratio | 11.3358% | 2,015 |
| Tier 1 risk-based capital ratio | 13.0591% | 4,293 |
| Total risk-based capital ratio | 14.3046% | 4,266 |
| Memoranda: | ||
| Average total assets | $63,853,000 | 6,247 |
| Average earning assets | $56,483,000 | 6,301 |
| Average equity | $7,479,000 | 6,023 |
| Average total loans | $46,492,500 | 5,820 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0340% | 1,734 |
| Cost of funding earning assets | 1.6647% | 4,703 |
| Net interest margin | 4.3693% | 1,521 |
| Noninterest income to average assets | 0.6070% | 3,576 |
| Noninterest expense to average assets | 3.3907% | 2,709 |
| Loan and lease loss provision to assets | 0.0671% | 6,906 |
| Net operating income to assets | 0.6811% | 3,010 |
| Return on assets (ROA) | 0.7663% | 2,745 |
| Pretax return on assets | 1.1604% | 2,061 |
| Return on Equity (ROE) | 6.3085% | 3,073 |
| Retained earnings to average equity (ytd only) | 6.3085% | 1,226 |
| Net charge-offs to loans | 0.2527% | 5,042 |
| Credit loss provision to net charge-offs | 35.7143% | 6,866 |
| Earnings coverage of net charge-offs (x) | 5.8482% | 2,486 |
| Efficiency ratio | 75.5323% | 3,609 |
| Assets per employee ($millions) | 2.9989% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 4,028 |
| Loan loss allowance to noncurrent loans | 102.6563% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0163% | 5,081 |
| Noncurrent loans to loans | 1.4029% | 4,583 |
| Net loans and leases to total assets | 71.3955% | 2,913 |
| Net loans and leases to deposits | 86.2249% | 2,874 |
| Net loans and leases to core deposits | 117.0245% | 2,220 |
| Total domestic deposits to total assets | 82.8014% | 4,617 |
| Equity capital to assets | 11.7950% | 2,143 |
| Core capital (leverage) ratio | 11.0357% | 2,207 |
| Tier 1 risk-based capital ratio | 13.3665% | 3,906 |
| Total risk-based capital ratio | 14.6179% | 3,845 |
| Memoranda: | ||
| Average total assets | $59,634,400 | 6,365 |
| Average earning assets | $52,983,400 | 6,414 |
| Average equity | $7,244,200 | 6,191 |
| Average total loans | $44,323,400 | 5,914 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1037% | 1,639 |
| Cost of funding earning assets | 1.6977% | 4,913 |
| Net interest margin | 4.4060% | 1,427 |
| Noninterest income to average assets | 0.6304% | 3,489 |
| Noninterest expense to average assets | 3.5056% | 2,270 |
| Loan and lease loss provision to assets | 0.0567% | 6,802 |
| Net operating income to assets | 0.6557% | 3,374 |
| Return on assets (ROA) | 0.7710% | 2,992 |
| Pretax return on assets | 1.1678% | 2,361 |
| Return on Equity (ROE) | 6.2976% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.2976% | 1,813 |
| Net charge-offs to loans | 0.3394% | 3,944 |
| Credit loss provision to net charge-offs | 22.3214% | 6,553 |
| Earnings coverage of net charge-offs (x) | 4.1339% | 3,248 |
| Efficiency ratio | 76.9537% | 3,327 |
| Assets per employee ($millions) | 2.9395% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,422 |
| Loan loss allowance to noncurrent loans | 465.2174% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 6,960 |
| Noncurrent loans to loans | 0.2822% | 6,806 |
| Net loans and leases to total assets | 78.1918% | 1,531 |
| Net loans and leases to deposits | 94.7285% | 1,759 |
| Net loans and leases to core deposits | 127.3804% | 1,631 |
| Total domestic deposits to total assets | 82.5431% | 4,423 |
| Equity capital to assets | 11.8388% | 2,332 |
| Core capital (leverage) ratio | 11.3417% | 2,166 |
| Tier 1 risk-based capital ratio | 12.3961% | 4,633 |
| Total risk-based capital ratio | 13.5613% | 4,639 |
| Memoranda: | ||
| Average total assets | $58,799,000 | 6,433 |
| Average earning assets | $52,382,000 | 6,481 |
| Average equity | $7,198,250 | 6,256 |
| Average total loans | $43,999,500 | 5,970 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1665% | 1,569 |
| Cost of funding earning assets | 1.7364% | 5,082 |
| Net interest margin | 4.4301% | 1,337 |
| Noninterest income to average assets | 0.6226% | 3,521 |
| Noninterest expense to average assets | 3.4831% | 2,393 |
| Loan and lease loss provision to assets | 0.0346% | 6,895 |
| Net operating income to assets | 0.6987% | 3,259 |
| Return on assets (ROA) | 0.6987% | 3,369 |
| Pretax return on assets | 1.0584% | 2,780 |
| Return on Equity (ROE) | 5.6411% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.6411% | 2,187 |
| Net charge-offs to loans | 0.5004% | 2,829 |
| Credit loss provision to net charge-offs | 9.4340% | 6,190 |
| Earnings coverage of net charge-offs (x) | 2.9811% | 3,616 |
| Efficiency ratio | 76.1149% | 3,669 |
| Assets per employee ($millions) | 3.1949% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 3,434 |
| Loan loss allowance to noncurrent loans | 506.4000% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 6,993 |
| Noncurrent loans to loans | 0.2875% | 6,792 |
| Net loans and leases to total assets | 70.5781% | 3,556 |
| Net loans and leases to deposits | 88.9173% | 3,011 |
| Net loans and leases to core deposits | 122.8544% | 2,124 |
| Total domestic deposits to total assets | 79.3750% | 5,697 |
| Equity capital to assets | 11.8248% | 2,309 |
| Core capital (leverage) ratio | 11.0562% | 2,363 |
| Tier 1 risk-based capital ratio | 13.2261% | 3,982 |
| Total risk-based capital ratio | 14.4766% | 3,900 |
| Memoranda: | ||
| Average total assets | $57,822,330 | 6,521 |
| Average earning assets | $51,601,670 | 6,576 |
| Average equity | $7,161,670 | 6,319 |
| Average total loans | $42,363,000 | 6,095 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4591% | 938 |
| Cost of funding earning assets | 1.8121% | 5,060 |
| Net interest margin | 4.6470% | 871 |
| Noninterest income to average assets | 0.6385% | 3,287 |
| Noninterest expense to average assets | 3.6182% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7378% | 3,400 |
| Return on assets (ROA) | 0.7378% | 3,583 |
| Pretax return on assets | 1.1138% | 2,939 |
| Return on Equity (ROE) | 5.8153% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.8153% | 2,716 |
| Net charge-offs to loans | 0.0574% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 26.1667% | 1,187 |
| Efficiency ratio | 76.4618% | 3,411 |
| Assets per employee ($millions) | 2.9595% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 2,174 |
| Loan loss allowance to noncurrent loans | 569.2913% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 6,769 |
| Noncurrent loans to loans | 0.2972% | 6,700 |
| Net loans and leases to total assets | 70.9765% | 3,474 |
| Net loans and leases to deposits | 91.4555% | 2,702 |
| Net loans and leases to core deposits | 125.5184% | 1,952 |
| Total domestic deposits to total assets | 77.6077% | 6,127 |
| Equity capital to assets | 12.1896% | 2,145 |
| Core capital (leverage) ratio | 11.5753% | 2,101 |
| Tier 1 risk-based capital ratio | 13.5836% | 3,810 |
| Total risk-based capital ratio | 14.8375% | 3,730 |
| Memoranda: | ||
| Average total assets | $56,382,000 | 6,616 |
| Average earning assets | $49,666,000 | 6,674 |
| Average equity | $7,153,500 | 6,351 |
| Average total loans | $41,806,500 | 6,154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7690% | 1,792 |
| Cost of funding earning assets | 2.2033% | 5,587 |
| Net interest margin | 4.5657% | 1,269 |
| Noninterest income to average assets | 0.7039% | 3,103 |
| Noninterest expense to average assets | 4.1081% | 1,263 |
| Loan and lease loss provision to assets | 0.0074% | 7,275 |
| Net operating income to assets | 0.4314% | 5,025 |
| Return on assets (ROA) | 0.4376% | 4,823 |
| Pretax return on assets | 0.6574% | 4,524 |
| Return on Equity (ROE) | 3.3864% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.3864% | 3,046 |
| Net charge-offs to loans | 0.2261% | 3,978 |
| Credit loss provision to net charge-offs | 4.5977% | 6,640 |
| Earnings coverage of net charge-offs (x) | 4.0460% | 4,129 |
| Efficiency ratio | 86.2392% | 1,832 |
| Assets per employee ($millions) | 2.5511% | 7,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 1,668 |
| Loan loss allowance to noncurrent loans | 668.8073% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 6,758 |
| Noncurrent loans to loans | 0.2666% | 6,577 |
| Net loans and leases to total assets | 74.9431% | 2,892 |
| Net loans and leases to deposits | 86.8728% | 3,980 |
| Net loans and leases to core deposits | 117.5317% | 2,946 |
| Total domestic deposits to total assets | 86.2676% | 2,279 |
| Equity capital to assets | 13.2378% | 1,693 |
| Core capital (leverage) ratio | 12.2772% | 1,851 |
| Tier 1 risk-based capital ratio | 14.1160% | 3,491 |
| Total risk-based capital ratio | 15.2996% | 3,443 |
| Memoranda: | ||
| Average total assets | $53,699,400 | 6,630 |
| Average earning assets | $47,747,400 | 6,678 |
| Average equity | $6,939,600 | 6,478 |
| Average total loans | $38,473,600 | 6,244 |