Home > Harmony Bank > Performance and Condition Ratios
Harmony Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 2,540 |
| Cost of funding earning assets | 0.7327% | 2,952 |
| Net interest margin | 3.6715% | 1,965 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.8325% | 1,366 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.8620% | 2,984 |
| Return on assets (ROA) | 0.8620% | 2,930 |
| Pretax return on assets | 1.0492% | 2,858 |
| Return on Equity (ROE) | 7.9300% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.9255% | 2,244 |
| Net charge-offs to loans | -0.0151% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.1826% | 2,432 |
| Assets per employee ($millions) | 5.9792% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,600 |
| Loan loss allowance to noncurrent loans | 785.7627% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,013 |
| Noncurrent loans to loans | 0.1788% | 2,585 |
| Net loans and leases to total assets | 43.1800% | 3,902 |
| Net loans and leases to deposits | 48.7360% | 3,938 |
| Net loans and leases to core deposits | 54.4866% | 3,813 |
| Total domestic deposits to total assets | 88.6100% | 1,697 |
| Equity capital to assets | 11.1025% | 1,302 |
| Core capital (leverage) ratio | 9.7081% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $384,677,500 | 2,086 |
| Average earning assets | $349,940,000 | 2,125 |
| Average equity | $41,839,500 | 1,845 |
| Average total loans | $159,061,000 | 2,631 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 1,402 |
| Cost of funding earning assets | 0.3141% | 2,763 |
| Net interest margin | 3.8174% | 1,126 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 3.0377% | 913 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8968% | 2,971 |
| Return on assets (ROA) | 0.8968% | 2,906 |
| Pretax return on assets | 1.1491% | 2,609 |
| Return on Equity (ROE) | 9.3800% | 3,000 |
| Retained earnings to average equity (ytd only) | 9.3806% | 1,365 |
| Net charge-offs to loans | -0.1065% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.6003% | 2,131 |
| Assets per employee ($millions) | 6.4371% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5277% | 4,413 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 38.7900% | 4,110 |
| Net loans and leases to deposits | 43.4904% | 4,134 |
| Net loans and leases to core deposits | 48.0611% | 4,054 |
| Total domestic deposits to total assets | 89.2000% | 1,665 |
| Equity capital to assets | 10.6597% | 1,390 |
| Core capital (leverage) ratio | 9.0458% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $237,744,800 | 2,799 |
| Average earning assets | $217,479,800 | 2,814 |
| Average equity | $22,727,800 | 2,722 |
| Average total loans | $93,906,200 | 3,234 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 1,686 |
| Cost of funding earning assets | 0.2349% | 2,874 |
| Net interest margin | 3.5848% | 1,427 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.9665% | 951 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6907% | 3,590 |
| Return on assets (ROA) | 0.6907% | 3,550 |
| Pretax return on assets | 0.8716% | 3,412 |
| Return on Equity (ROE) | 7.6600% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.6600% | 2,128 |
| Net charge-offs to loans | -0.1972% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.9988% | 1,643 |
| Assets per employee ($millions) | 6.0837% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5589% | 4,416 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 38.2900% | 4,137 |
| Net loans and leases to deposits | 42.8787% | 4,154 |
| Net loans and leases to core deposits | 47.1235% | 4,058 |
| Total domestic deposits to total assets | 89.3100% | 1,954 |
| Equity capital to assets | 10.5055% | 1,365 |
| Core capital (leverage) ratio | 9.1737% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 84.7220% | 70 |
| Memoranda: | ||
| Average total assets | $199,014,500 | 3,075 |
| Average earning assets | $182,805,000 | 3,072 |
| Average equity | $17,945,500 | 3,164 |
| Average total loans | $79,100,000 | 3,438 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3307% | 2,641 |
| Cost of funding earning assets | 0.1311% | 3,829 |
| Net interest margin | 3.1996% | 2,188 |
| Noninterest income to average assets | 0.7210% | 1,260 |
| Noninterest expense to average assets | 2.6338% | 1,544 |
| Loan and lease loss provision to assets | 0.0596% | 1,525 |
| Net operating income to assets | 0.8154% | 2,902 |
| Return on assets (ROA) | 0.8154% | 2,872 |
| Pretax return on assets | 0.9724% | 2,820 |
| Return on Equity (ROE) | 10.6800% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.6800% | 851 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3497% | 2,058 |
| Assets per employee ($millions) | 5.0388% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 40.8407% | 4,037 |
| Net loans and leases to deposits | 43.4161% | 4,136 |
| Net loans and leases to core deposits | 45.1765% | 4,151 |
| Total domestic deposits to total assets | 94.0683% | 269 |
| Equity capital to assets | 5.7516% | 4,286 |
| Core capital (leverage) ratio | 7.7389% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2265% | 1,141 |
| Memoranda: | ||
| Average total assets | $137,594,000 | 3,622 |
| Average earning assets | $126,639,667 | 3,638 |
| Average equity | $10,505,667 | 3,933 |
| Average total loans | $56,266,667 | 3,856 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 2,598 |
| Cost of funding earning assets | 0.1219% | 3,879 |
| Net interest margin | 3.1096% | 2,142 |
| Noninterest income to average assets | 0.7256% | 1,232 |
| Noninterest expense to average assets | 2.6596% | 1,452 |
| Loan and lease loss provision to assets | 0.0578% | 1,358 |
| Net operating income to assets | 0.7314% | 2,925 |
| Return on assets (ROA) | 0.7314% | 2,915 |
| Pretax return on assets | 0.8846% | 2,835 |
| Return on Equity (ROE) | 8.5430% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.5430% | 1,412 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2681% | 2,073 |
| Assets per employee ($millions) | 5.4210% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 3,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.5499% | 4,043 |
| Net loans and leases to deposits | 42.8635% | 4,122 |
| Net loans and leases to core deposits | 44.6660% | 4,134 |
| Total domestic deposits to total assets | 92.2694% | 480 |
| Equity capital to assets | 7.5944% | 3,859 |
| Core capital (leverage) ratio | 8.0971% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,367,000 | 3,635 |
| Average earning assets | $127,990,500 | 3,637 |
| Average equity | $11,846,000 | 3,874 |
| Average total loans | $56,288,000 | 3,860 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 2,109 |
| Cost of funding earning assets | 0.1315% | 4,138 |
| Net interest margin | 3.5696% | 1,551 |
| Noninterest income to average assets | 1.0561% | 910 |
| Noninterest expense to average assets | 3.2200% | 705 |
| Loan and lease loss provision to assets | 0.1262% | 975 |
| Net operating income to assets | 0.8208% | 3,272 |
| Return on assets (ROA) | 0.8602% | 3,222 |
| Pretax return on assets | 1.0302% | 3,180 |
| Return on Equity (ROE) | 8.4217% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.4217% | 1,382 |
| Net charge-offs to loans | 0.2153% | 431 |
| Credit loss provision to net charge-offs | 128.9256% | 1,588 |
| Earnings coverage of net charge-offs (x) | 11.3306% | 2,162 |
| Efficiency ratio | 72.0000% | 1,515 |
| Assets per employee ($millions) | 5.2226% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,342 |
| Loan loss allowance to noncurrent loans | 2,480.0000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,952 |
| Noncurrent loans to loans | 0.0445% | 3,758 |
| Net loans and leases to total assets | 40.9256% | 4,036 |
| Net loans and leases to deposits | 45.3590% | 4,123 |
| Net loans and leases to core deposits | 47.4067% | 4,123 |
| Total domestic deposits to total assets | 90.2259% | 856 |
| Equity capital to assets | 9.5649% | 3,082 |
| Core capital (leverage) ratio | 8.7838% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,572,800 | 3,764 |
| Average earning assets | $113,318,800 | 3,774 |
| Average equity | $12,622,200 | 3,866 |
| Average total loans | $56,191,400 | 3,893 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 2,107 |
| Cost of funding earning assets | 0.1368% | 4,215 |
| Net interest margin | 3.6282% | 1,534 |
| Noninterest income to average assets | 0.9470% | 1,155 |
| Noninterest expense to average assets | 3.1076% | 812 |
| Loan and lease loss provision to assets | 0.1502% | 752 |
| Net operating income to assets | 0.8548% | 3,378 |
| Return on assets (ROA) | 0.9094% | 3,293 |
| Pretax return on assets | 1.0698% | 3,270 |
| Return on Equity (ROE) | 8.7463% | 3,186 |
| Retained earnings to average equity (ytd only) | 8.7463% | 1,787 |
| Net charge-offs to loans | 0.2871% | 280 |
| Credit loss provision to net charge-offs | 112.3967% | 1,500 |
| Earnings coverage of net charge-offs (x) | 8.6364% | 2,099 |
| Efficiency ratio | 70.4203% | 1,558 |
| Assets per employee ($millions) | 4.8863% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,569 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 4,074 |
| Noncurrent loans to loans | 0.0447% | 3,891 |
| Net loans and leases to total assets | 41.9639% | 4,096 |
| Net loans and leases to deposits | 46.7988% | 4,196 |
| Net loans and leases to core deposits | 48.9886% | 4,193 |
| Total domestic deposits to total assets | 89.6688% | 932 |
| Equity capital to assets | 9.8423% | 3,064 |
| Core capital (leverage) ratio | 8.6079% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.3660% | 55 |
| Memoranda: | ||
| Average total assets | $120,519,000 | 3,837 |
| Average earning assets | $110,170,750 | 3,853 |
| Average equity | $12,530,750 | 3,935 |
| Average total loans | $56,191,250 | 3,942 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 1,968 |
| Cost of funding earning assets | 0.1485% | 4,217 |
| Net interest margin | 3.6914% | 1,371 |
| Noninterest income to average assets | 0.9133% | 1,236 |
| Noninterest expense to average assets | 3.1084% | 831 |
| Loan and lease loss provision to assets | 0.0960% | 1,310 |
| Net operating income to assets | 0.9070% | 3,195 |
| Return on assets (ROA) | 0.9904% | 3,008 |
| Pretax return on assets | 1.1738% | 2,981 |
| Return on Equity (ROE) | 9.3381% | 2,998 |
| Retained earnings to average equity (ytd only) | 9.3381% | 1,605 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1241% | 1,623 |
| Assets per employee ($millions) | 4.2359% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 3,213 |
| Loan loss allowance to noncurrent loans | 438.3562% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 3,445 |
| Noncurrent loans to loans | 0.2614% | 3,004 |
| Net loans and leases to total assets | 44.9402% | 3,978 |
| Net loans and leases to deposits | 50.4445% | 4,081 |
| Net loans and leases to core deposits | 52.8409% | 4,095 |
| Total domestic deposits to total assets | 89.0883% | 1,235 |
| Equity capital to assets | 10.3239% | 2,557 |
| Core capital (leverage) ratio | 9.1175% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,715,333 | 3,897 |
| Average earning assets | $106,410,000 | 3,910 |
| Average equity | $12,379,333 | 3,953 |
| Average total loans | $56,267,333 | 3,969 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 1,915 |
| Cost of funding earning assets | 0.1700% | 4,163 |
| Net interest margin | 3.6983% | 1,333 |
| Noninterest income to average assets | 0.9679% | 1,191 |
| Noninterest expense to average assets | 3.0303% | 945 |
| Loan and lease loss provision to assets | 0.1091% | 1,269 |
| Net operating income to assets | 1.0136% | 2,772 |
| Return on assets (ROA) | 1.0136% | 2,855 |
| Pretax return on assets | 1.1966% | 2,852 |
| Return on Equity (ROE) | 9.4210% | 2,881 |
| Retained earnings to average equity (ytd only) | 9.4210% | 1,821 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2890% | 2,029 |
| Assets per employee ($millions) | 4.2075% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,317 |
| Loan loss allowance to noncurrent loans | 508.2645% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 3,669 |
| Noncurrent loans to loans | 0.2211% | 3,308 |
| Net loans and leases to total assets | 45.9354% | 3,962 |
| Net loans and leases to deposits | 51.4112% | 4,075 |
| Net loans and leases to core deposits | 53.9519% | 4,096 |
| Total domestic deposits to total assets | 89.3490% | 1,147 |
| Equity capital to assets | 10.3496% | 2,393 |
| Core capital (leverage) ratio | 9.2121% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,652,500 | 3,934 |
| Average earning assets | $103,508,000 | 3,945 |
| Average equity | $12,228,000 | 3,974 |
| Average total loans | $56,478,500 | 3,982 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 1,984 |
| Cost of funding earning assets | 0.1982% | 4,588 |
| Net interest margin | 4.0595% | 854 |
| Noninterest income to average assets | 0.9370% | 1,179 |
| Noninterest expense to average assets | 3.3804% | 809 |
| Loan and lease loss provision to assets | 0.1254% | 2,792 |
| Net operating income to assets | 0.9028% | 2,682 |
| Return on assets (ROA) | 0.9045% | 2,812 |
| Pretax return on assets | 1.0796% | 2,768 |
| Return on Equity (ROE) | 8.1070% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.1070% | 1,024 |
| Net charge-offs to loans | 0.0172% | 2,747 |
| Credit loss provision to net charge-offs | 1,455.5556% | 573 |
| Earnings coverage of net charge-offs (x) | 139.6667% | 615 |
| Efficiency ratio | 71.1004% | 1,795 |
| Assets per employee ($millions) | 4.0553% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,854 |
| Loan loss allowance to noncurrent loans | 467.2000% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 3,720 |
| Noncurrent loans to loans | 0.2147% | 3,432 |
| Net loans and leases to total assets | 52.6431% | 3,618 |
| Net loans and leases to deposits | 59.5293% | 3,797 |
| Net loans and leases to core deposits | 62.7303% | 3,788 |
| Total domestic deposits to total assets | 88.4322% | 1,261 |
| Equity capital to assets | 11.1997% | 2,100 |
| Core capital (leverage) ratio | 9.5680% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,483,200 | 3,939 |
| Average earning assets | $93,855,000 | 3,977 |
| Average equity | $11,656,600 | 4,008 |
| Average total loans | $52,432,800 | 4,060 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,182 |
| Cost of funding earning assets | 0.2032% | 4,665 |
| Net interest margin | 4.0692% | 951 |
| Noninterest income to average assets | 0.9054% | 1,205 |
| Noninterest expense to average assets | 3.3271% | 869 |
| Loan and lease loss provision to assets | 0.1172% | 2,860 |
| Net operating income to assets | 0.9192% | 2,627 |
| Return on assets (ROA) | 0.9235% | 2,747 |
| Pretax return on assets | 1.1120% | 2,700 |
| Return on Equity (ROE) | 8.2860% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.2860% | 1,213 |
| Net charge-offs to loans | 0.0235% | 2,375 |
| Credit loss provision to net charge-offs | 1,011.1111% | 817 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 761 |
| Efficiency ratio | 70.4030% | 1,829 |
| Assets per employee ($millions) | 3.8369% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,785 |
| Loan loss allowance to noncurrent loans | 421.7054% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 3,830 |
| Noncurrent loans to loans | 0.2322% | 3,474 |
| Net loans and leases to total assets | 51.2119% | 4,019 |
| Net loans and leases to deposits | 58.0310% | 4,161 |
| Net loans and leases to core deposits | 60.8727% | 4,160 |
| Total domestic deposits to total assets | 88.2493% | 1,089 |
| Equity capital to assets | 11.2052% | 2,225 |
| Core capital (leverage) ratio | 9.3168% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,230,500 | 3,949 |
| Average earning assets | $92,497,500 | 3,992 |
| Average equity | $11,505,000 | 4,036 |
| Average total loans | $50,984,750 | 4,114 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,576 |
| Cost of funding earning assets | 0.2132% | 4,725 |
| Net interest margin | 4.0484% | 1,222 |
| Noninterest income to average assets | 0.8720% | 1,233 |
| Noninterest expense to average assets | 3.3055% | 991 |
| Loan and lease loss provision to assets | 0.1178% | 2,842 |
| Net operating income to assets | 0.8888% | 2,736 |
| Return on assets (ROA) | 0.8936% | 2,832 |
| Pretax return on assets | 1.0724% | 2,802 |
| Return on Equity (ROE) | 8.0337% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.0337% | 1,292 |
| Net charge-offs to loans | 0.0364% | 2,008 |
| Credit loss provision to net charge-offs | 666.6667% | 1,028 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 903 |
| Efficiency ratio | 70.8661% | 1,837 |
| Assets per employee ($millions) | 4.2128% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,463 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 3,042 |
| Noncurrent loans to loans | 0.2648% | 3,431 |
| Net loans and leases to total assets | 45.3950% | 4,387 |
| Net loans and leases to deposits | 51.1107% | 4,482 |
| Net loans and leases to core deposits | 52.9684% | 4,526 |
| Total domestic deposits to total assets | 88.8172% | 816 |
| Equity capital to assets | 10.7428% | 2,532 |
| Core capital (leverage) ratio | 9.3176% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,830,000 | 3,970 |
| Average earning assets | $90,998,667 | 4,011 |
| Average equity | $11,327,333 | 4,067 |
| Average total loans | $49,459,000 | 4,154 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,903 |
| Cost of funding earning assets | 0.1968% | 4,897 |
| Net interest margin | 4.1089% | 1,119 |
| Noninterest income to average assets | 0.9635% | 926 |
| Noninterest expense to average assets | 3.4824% | 963 |
| Loan and lease loss provision to assets | 0.1225% | 2,167 |
| Net operating income to assets | 0.8573% | 2,672 |
| Return on assets (ROA) | 0.8573% | 2,773 |
| Pretax return on assets | 1.0247% | 2,760 |
| Return on Equity (ROE) | 7.5625% | 2,705 |
| Retained earnings to average equity (ytd only) | 7.5625% | 1,356 |
| Net charge-offs to loans | 0.0489% | 1,520 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 46.8333% | 944 |
| Efficiency ratio | 72.3986% | 2,020 |
| Assets per employee ($millions) | 3.6827% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,608 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 48.7519% | 4,304 |
| Net loans and leases to deposits | 55.1880% | 4,398 |
| Net loans and leases to core deposits | 57.4095% | 4,450 |
| Total domestic deposits to total assets | 88.3380% | 959 |
| Equity capital to assets | 11.1843% | 2,696 |
| Core capital (leverage) ratio | 9.6403% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,978,000 | 4,020 |
| Average earning assets | $87,419,000 | 4,062 |
| Average equity | $11,107,500 | 4,110 |
| Average total loans | $49,070,500 | 4,172 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 3,338 |
| Cost of funding earning assets | 0.2340% | 4,891 |
| Net interest margin | 4.1341% | 1,466 |
| Noninterest income to average assets | 1.0623% | 841 |
| Noninterest expense to average assets | 3.5059% | 958 |
| Loan and lease loss provision to assets | 0.1242% | 1,710 |
| Net operating income to assets | 0.9038% | 3,195 |
| Return on assets (ROA) | 0.9038% | 3,283 |
| Pretax return on assets | 1.0837% | 3,224 |
| Return on Equity (ROE) | 8.0158% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.0158% | 973 |
| Net charge-offs to loans | 0.0751% | 2,022 |
| Credit loss provision to net charge-offs | 351.5152% | 791 |
| Earnings coverage of net charge-offs (x) | 34.1818% | 1,454 |
| Efficiency ratio | 71.4902% | 1,944 |
| Assets per employee ($millions) | 3.4472% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 3,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 3,596 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 50.4724% | 4,310 |
| Net loans and leases to deposits | 57.3600% | 4,397 |
| Net loans and leases to core deposits | 59.7417% | 4,455 |
| Total domestic deposits to total assets | 87.9924% | 1,130 |
| Equity capital to assets | 11.4938% | 2,535 |
| Core capital (leverage) ratio | 9.6588% | 3,894 |
| Tier 1 risk-based capital ratio | 16.8719% | 2,093 |
| Total risk-based capital ratio | 17.7416% | 2,162 |
| Memoranda: | ||
| Average total assets | $93,386,400 | 4,092 |
| Average earning assets | $82,483,800 | 4,148 |
| Average equity | $10,529,200 | 4,173 |
| Average total loans | $43,939,200 | 4,308 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 3,569 |
| Cost of funding earning assets | 0.2206% | 4,992 |
| Net interest margin | 4.1102% | 1,591 |
| Noninterest income to average assets | 1.0251% | 888 |
| Noninterest expense to average assets | 3.4714% | 979 |
| Loan and lease loss provision to assets | 0.1137% | 1,709 |
| Net operating income to assets | 0.8912% | 3,377 |
| Return on assets (ROA) | 0.8912% | 3,455 |
| Pretax return on assets | 1.0611% | 3,407 |
| Return on Equity (ROE) | 7.9448% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.9448% | 1,427 |
| Net charge-offs to loans | 0.0594% | 1,970 |
| Credit loss provision to net charge-offs | 415.7895% | 733 |
| Earnings coverage of net charge-offs (x) | 42.9518% | 1,304 |
| Efficiency ratio | 71.7694% | 1,875 |
| Assets per employee ($millions) | 3.5493% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 3,943 |
| Loan loss allowance to noncurrent loans | 3,135.7143% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 3,536 |
| Noncurrent loans to loans | 0.0295% | 4,539 |
| Net loans and leases to total assets | 49.0087% | 4,480 |
| Net loans and leases to deposits | 55.6416% | 4,565 |
| Net loans and leases to core deposits | 57.9577% | 4,609 |
| Total domestic deposits to total assets | 88.0791% | 1,005 |
| Equity capital to assets | 11.3386% | 2,807 |
| Core capital (leverage) ratio | 9.3555% | 4,319 |
| Tier 1 risk-based capital ratio | 16.6874% | 2,189 |
| Total risk-based capital ratio | 17.5290% | 2,271 |
| Memoranda: | ||
| Average total assets | $92,602,500 | 4,155 |
| Average earning assets | $81,584,500 | 4,210 |
| Average equity | $10,388,000 | 4,238 |
| Average total loans | $42,629,250 | 4,400 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 3,908 |
| Cost of funding earning assets | 0.2236% | 5,022 |
| Net interest margin | 3.9843% | 1,968 |
| Noninterest income to average assets | 1.0554% | 776 |
| Noninterest expense to average assets | 3.4460% | 1,031 |
| Loan and lease loss provision to assets | 0.0830% | 2,180 |
| Net operating income to assets | 0.8675% | 3,408 |
| Return on assets (ROA) | 0.8675% | 3,472 |
| Pretax return on assets | 1.0314% | 3,446 |
| Return on Equity (ROE) | 7.7625% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.7625% | 1,490 |
| Net charge-offs to loans | 0.0926% | 1,437 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 26.8421% | 1,562 |
| Efficiency ratio | 72.5443% | 1,834 |
| Assets per employee ($millions) | 3.7818% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 3,624 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 45.5999% | 4,656 |
| Net loans and leases to deposits | 51.6175% | 4,754 |
| Net loans and leases to core deposits | 53.7811% | 4,785 |
| Total domestic deposits to total assets | 88.3419% | 945 |
| Equity capital to assets | 11.2085% | 2,847 |
| Core capital (leverage) ratio | 9.3059% | 4,354 |
| Tier 1 risk-based capital ratio | 16.9131% | 2,114 |
| Total risk-based capital ratio | 17.7084% | 2,198 |
| Memoranda: | ||
| Average total assets | $91,526,000 | 4,194 |
| Average earning assets | $80,516,670 | 4,256 |
| Average equity | $10,228,670 | 4,270 |
| Average total loans | $41,037,330 | 4,473 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 4,261 |
| Cost of funding earning assets | 0.2121% | 5,092 |
| Net interest margin | 3.8371% | 2,386 |
| Noninterest income to average assets | 0.9998% | 810 |
| Noninterest expense to average assets | 3.4527% | 1,036 |
| Loan and lease loss provision to assets | 0.0889% | 1,935 |
| Net operating income to assets | 0.7065% | 3,912 |
| Return on assets (ROA) | 0.7065% | 3,958 |
| Pretax return on assets | 0.8354% | 3,958 |
| Return on Equity (ROE) | 6.3318% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.3318% | 2,304 |
| Net charge-offs to loans | 0.2412% | 602 |
| Credit loss provision to net charge-offs | 83.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,074 |
| Efficiency ratio | 75.6345% | 1,539 |
| Assets per employee ($millions) | 3.5599% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,051 |
| Loan loss allowance to noncurrent loans | 635.5932% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 3,654 |
| Noncurrent loans to loans | 0.1455% | 4,084 |
| Net loans and leases to total assets | 43.4035% | 4,767 |
| Net loans and leases to deposits | 48.9437% | 4,855 |
| Net loans and leases to core deposits | 51.0243% | 4,860 |
| Total domestic deposits to total assets | 88.6805% | 1,006 |
| Equity capital to assets | 11.0040% | 2,848 |
| Core capital (leverage) ratio | 9.3748% | 4,293 |
| Tier 1 risk-based capital ratio | 17.0551% | 2,091 |
| Total risk-based capital ratio | 17.8319% | 2,194 |
| Memoranda: | ||
| Average total assets | $90,017,000 | 4,265 |
| Average earning assets | $79,226,500 | 4,319 |
| Average equity | $10,044,500 | 4,318 |
| Average total loans | $39,801,000 | 4,548 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 4,030 |
| Cost of funding earning assets | 0.2030% | 4,986 |
| Net interest margin | 3.7963% | 2,668 |
| Noninterest income to average assets | 0.9747% | 997 |
| Noninterest expense to average assets | 3.4971% | 997 |
| Loan and lease loss provision to assets | 0.0949% | 2,256 |
| Net operating income to assets | 0.5047% | 4,653 |
| Return on assets (ROA) | 0.5047% | 4,656 |
| Pretax return on assets | 0.6946% | 4,429 |
| Return on Equity (ROE) | 4.5221% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.5221% | 3,041 |
| Net charge-offs to loans | 0.0999% | 1,763 |
| Credit loss provision to net charge-offs | 227.7778% | 1,298 |
| Earnings coverage of net charge-offs (x) | 18.9444% | 2,097 |
| Efficiency ratio | 78.1528% | 1,113 |
| Assets per employee ($millions) | 3.4991% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,861 |
| Loan loss allowance to noncurrent loans | 557.3529% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 3,517 |
| Noncurrent loans to loans | 0.1741% | 3,969 |
| Net loans and leases to total assets | 44.2116% | 4,807 |
| Net loans and leases to deposits | 49.9929% | 4,883 |
| Net loans and leases to core deposits | 52.7554% | 4,879 |
| Total domestic deposits to total assets | 88.4358% | 1,103 |
| Equity capital to assets | 11.3218% | 2,392 |
| Core capital (leverage) ratio | 9.4105% | 4,225 |
| Tier 1 risk-based capital ratio | 18.5878% | 1,600 |
| Total risk-based capital ratio | 19.4638% | 1,643 |
| Memoranda: | ||
| Average total assets | $86,385,200 | 4,324 |
| Average earning assets | $75,363,600 | 4,394 |
| Average equity | $9,641,600 | 4,361 |
| Average total loans | $36,038,600 | 4,661 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 4,179 |
| Cost of funding earning assets | 0.1970% | 5,028 |
| Net interest margin | 3.7169% | 2,958 |
| Noninterest income to average assets | 0.9445% | 1,070 |
| Noninterest expense to average assets | 3.4683% | 1,028 |
| Loan and lease loss provision to assets | 0.0944% | 2,086 |
| Net operating income to assets | 0.4242% | 4,906 |
| Return on assets (ROA) | 0.4242% | 4,915 |
| Pretax return on assets | 0.6240% | 4,688 |
| Return on Equity (ROE) | 3.8150% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.8150% | 3,870 |
| Net charge-offs to loans | 0.1096% | 1,391 |
| Credit loss provision to net charge-offs | 210.3448% | 1,330 |
| Earnings coverage of net charge-offs (x) | 15.9982% | 2,191 |
| Efficiency ratio | 79.3269% | 1,008 |
| Assets per employee ($millions) | 3.5320% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,821 |
| Loan loss allowance to noncurrent loans | 128.9753% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 2,684 |
| Noncurrent loans to loans | 0.7689% | 2,165 |
| Net loans and leases to total assets | 41.2707% | 4,989 |
| Net loans and leases to deposits | 46.4490% | 5,043 |
| Net loans and leases to core deposits | 48.9680% | 5,043 |
| Total domestic deposits to total assets | 88.8516% | 894 |
| Equity capital to assets | 10.9003% | 2,752 |
| Core capital (leverage) ratio | 9.1851% | 4,526 |
| Tier 1 risk-based capital ratio | 18.9625% | 1,544 |
| Total risk-based capital ratio | 19.8444% | 1,594 |
| Memoranda: | ||
| Average total assets | $86,112,250 | 4,372 |
| Average earning assets | $75,115,000 | 4,446 |
| Average equity | $9,576,000 | 4,408 |
| Average total loans | $35,284,750 | 4,728 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8779% | 4,133 |
| Cost of funding earning assets | 0.1882% | 5,083 |
| Net interest margin | 3.6896% | 2,970 |
| Noninterest income to average assets | 0.9861% | 983 |
| Noninterest expense to average assets | 3.4503% | 1,072 |
| Loan and lease loss provision to assets | 0.1077% | 1,822 |
| Net operating income to assets | 0.4240% | 4,914 |
| Return on assets (ROA) | 0.4240% | 4,920 |
| Pretax return on assets | 0.6418% | 4,660 |
| Return on Equity (ROE) | 3.7867% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.7867% | 3,705 |
| Net charge-offs to loans | 0.0575% | 1,782 |
| Credit loss provision to net charge-offs | 460.0000% | 746 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,444 |
| Efficiency ratio | 78.6392% | 1,150 |
| Assets per employee ($millions) | 3.5292% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,500 |
| Loan loss allowance to noncurrent loans | 900.0000% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 3,835 |
| Noncurrent loans to loans | 0.1174% | 4,381 |
| Net loans and leases to total assets | 39.1488% | 5,084 |
| Net loans and leases to deposits | 44.0209% | 5,143 |
| Net loans and leases to core deposits | 46.3980% | 5,137 |
| Total domestic deposits to total assets | 88.9323% | 962 |
| Equity capital to assets | 10.8954% | 2,735 |
| Core capital (leverage) ratio | 9.2004% | 4,464 |
| Tier 1 risk-based capital ratio | 18.2692% | 1,736 |
| Total risk-based capital ratio | 19.1410% | 1,792 |
| Memoranda: | ||
| Average total assets | $85,383,000 | 4,422 |
| Average earning assets | $74,370,670 | 4,498 |
| Average equity | $9,559,670 | 4,446 |
| Average total loans | $34,777,330 | 4,789 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 4,596 |
| Cost of funding earning assets | 0.1751% | 5,135 |
| Net interest margin | 3.4738% | 3,633 |
| Noninterest income to average assets | 0.9052% | 1,140 |
| Noninterest expense to average assets | 3.4016% | 1,164 |
| Loan and lease loss provision to assets | 0.1429% | 1,318 |
| Net operating income to assets | 0.3859% | 4,951 |
| Return on assets (ROA) | 0.3859% | 4,959 |
| Pretax return on assets | 0.3859% | 5,053 |
| Return on Equity (ROE) | 3.3987% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.3987% | 3,849 |
| Net charge-offs to loans | 0.1152% | 1,090 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 11.1000% | 1,865 |
| Efficiency ratio | 82.6667% | 888 |
| Assets per employee ($millions) | 3.4421% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,775 |
| Loan loss allowance to noncurrent loans | 193.4426% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 4,029 |
| Noncurrent loans to loans | 0.5328% | 2,928 |
| Net loans and leases to total assets | 39.5040% | 5,088 |
| Net loans and leases to deposits | 44.4343% | 5,142 |
| Net loans and leases to core deposits | 46.8889% | 5,128 |
| Total domestic deposits to total assets | 88.9044% | 1,146 |
| Equity capital to assets | 11.0131% | 2,562 |
| Core capital (leverage) ratio | 9.4246% | 4,157 |
| Tier 1 risk-based capital ratio | 19.0210% | 1,543 |
| Total risk-based capital ratio | 19.9069% | 1,604 |
| Memoranda: | ||
| Average total assets | $83,959,500 | 4,500 |
| Average earning assets | $73,118,000 | 4,570 |
| Average equity | $9,533,000 | 4,501 |
| Average total loans | $34,711,000 | 4,838 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 4,155 |
| Cost of funding earning assets | 0.1770% | 5,116 |
| Net interest margin | 3.5911% | 3,201 |
| Noninterest income to average assets | 1.1455% | 774 |
| Noninterest expense to average assets | 3.6334% | 860 |
| Loan and lease loss provision to assets | 0.1592% | 1,412 |
| Net operating income to assets | 0.4240% | 4,614 |
| Return on assets (ROA) | 0.4240% | 4,636 |
| Pretax return on assets | 0.4240% | 5,055 |
| Return on Equity (ROE) | 3.5511% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.5511% | 3,148 |
| Net charge-offs to loans | 0.0222% | 3,358 |
| Credit loss provision to net charge-offs | 1,742.8571% | 218 |
| Earnings coverage of net charge-offs (x) | 63.8571% | 914 |
| Efficiency ratio | 82.2401% | 912 |
| Assets per employee ($millions) | 3.2747% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 4,211 |
| Loan loss allowance to noncurrent loans | 152.7523% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 3,825 |
| Noncurrent loans to loans | 0.6215% | 2,671 |
| Net loans and leases to total assets | 42.4359% | 5,051 |
| Net loans and leases to deposits | 48.0997% | 5,124 |
| Net loans and leases to core deposits | 50.9167% | 5,102 |
| Total domestic deposits to total assets | 88.2248% | 1,388 |
| Equity capital to assets | 11.7129% | 2,024 |
| Core capital (leverage) ratio | 9.8239% | 3,670 |
| Tier 1 risk-based capital ratio | 18.9321% | 1,512 |
| Total risk-based capital ratio | 19.7614% | 1,601 |
| Memoranda: | ||
| Average total assets | $76,650,000 | 4,653 |
| Average earning assets | $65,551,400 | 4,754 |
| Average equity | $9,152,000 | 4,587 |
| Average total loans | $31,579,000 | 4,982 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,238 |
| Cost of funding earning assets | 0.1724% | 5,180 |
| Net interest margin | 3.5576% | 3,297 |
| Noninterest income to average assets | 1.0989% | 844 |
| Noninterest expense to average assets | 3.6259% | 835 |
| Loan and lease loss provision to assets | 0.1610% | 1,271 |
| Net operating income to assets | 0.3433% | 5,128 |
| Return on assets (ROA) | 0.3433% | 5,151 |
| Pretax return on assets | 0.3433% | 5,272 |
| Return on Equity (ROE) | 2.8604% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.8604% | 4,201 |
| Net charge-offs to loans | 0.0304% | 2,822 |
| Credit loss provision to net charge-offs | 1,300.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 40.7278% | 1,280 |
| Efficiency ratio | 83.7189% | 776 |
| Assets per employee ($millions) | 3.3925% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,630 |
| Loan loss allowance to noncurrent loans | 131.1688% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 3,594 |
| Noncurrent loans to loans | 0.6742% | 2,684 |
| Net loans and leases to total assets | 41.7067% | 5,125 |
| Net loans and leases to deposits | 47.3223% | 5,215 |
| Net loans and leases to core deposits | 50.8978% | 5,168 |
| Total domestic deposits to total assets | 88.1333% | 1,292 |
| Equity capital to assets | 11.7058% | 2,182 |
| Core capital (leverage) ratio | 9.7898% | 3,832 |
| Tier 1 risk-based capital ratio | 18.8879% | 1,625 |
| Total risk-based capital ratio | 19.6565% | 1,709 |
| Memoranda: | ||
| Average total assets | $75,345,750 | 4,730 |
| Average earning assets | $64,198,250 | 4,833 |
| Average equity | $9,042,750 | 4,655 |
| Average total loans | $30,705,250 | 5,056 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6965% | 4,241 |
| Cost of funding earning assets | 0.1639% | 5,251 |
| Net interest margin | 3.5326% | 3,287 |
| Noninterest income to average assets | 1.0556% | 907 |
| Noninterest expense to average assets | 3.6061% | 869 |
| Loan and lease loss provision to assets | 0.1664% | 1,198 |
| Net operating income to assets | 0.2810% | 5,266 |
| Return on assets (ROA) | 0.2810% | 5,284 |
| Pretax return on assets | 0.2810% | 5,358 |
| Return on Equity (ROE) | 2.3198% | 5,278 |
| Retained earnings to average equity (ytd only) | 2.3198% | 4,289 |
| Net charge-offs to loans | 0.0203% | 2,830 |
| Credit loss provision to net charge-offs | 2,033.3333% | 209 |
| Earnings coverage of net charge-offs (x) | 54.6667% | 1,011 |
| Efficiency ratio | 84.7241% | 787 |
| Assets per employee ($millions) | 3.2036% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 4,742 |
| Loan loss allowance to noncurrent loans | 251.8182% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 4,262 |
| Noncurrent loans to loans | 0.3463% | 3,797 |
| Net loans and leases to total assets | 40.9562% | 5,191 |
| Net loans and leases to deposits | 46.7537% | 5,263 |
| Net loans and leases to core deposits | 50.5271% | 5,203 |
| Total domestic deposits to total assets | 87.6000% | 1,662 |
| Equity capital to assets | 12.2986% | 1,734 |
| Core capital (leverage) ratio | 10.1135% | 3,387 |
| Tier 1 risk-based capital ratio | 19.2213% | 1,544 |
| Total risk-based capital ratio | 19.9476% | 1,633 |
| Memoranda: | ||
| Average total assets | $73,320,670 | 4,797 |
| Average earning assets | $62,221,000 | 4,899 |
| Average equity | $8,880,000 | 4,701 |
| Average total loans | $29,520,000 | 5,132 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6227% | 4,358 |
| Cost of funding earning assets | 0.1449% | 5,409 |
| Net interest margin | 3.4777% | 3,365 |
| Noninterest income to average assets | 1.0121% | 982 |
| Noninterest expense to average assets | 3.6065% | 893 |
| Loan and lease loss provision to assets | 0.1677% | 1,065 |
| Net operating income to assets | 0.1901% | 5,409 |
| Return on assets (ROA) | 0.1901% | 5,420 |
| Pretax return on assets | 0.1901% | 5,442 |
| Return on Equity (ROE) | 1.5829% | 5,404 |
| Retained earnings to average equity (ytd only) | 1.5829% | 4,468 |
| Net charge-offs to loans | 0.0423% | 1,983 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,450 |
| Efficiency ratio | 86.4598% | 768 |
| Assets per employee ($millions) | 3.1834% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,962 |
| Loan loss allowance to noncurrent loans | 252.5773% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 4,445 |
| Noncurrent loans to loans | 0.3319% | 3,919 |
| Net loans and leases to total assets | 39.5859% | 5,262 |
| Net loans and leases to deposits | 44.9288% | 5,334 |
| Net loans and leases to core deposits | 48.7192% | 5,273 |
| Total domestic deposits to total assets | 88.1081% | 1,651 |
| Equity capital to assets | 11.8099% | 1,963 |
| Core capital (leverage) ratio | 10.0899% | 3,388 |
| Tier 1 risk-based capital ratio | 18.0796% | 1,848 |
| Total risk-based capital ratio | 18.7372% | 1,987 |
| Memoranda: | ||
| Average total assets | $71,537,500 | 4,883 |
| Average earning assets | $60,729,000 | 4,979 |
| Average equity | $8,592,000 | 4,797 |
| Average total loans | $28,396,500 | 5,208 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5990% | 4,509 |
| Cost of funding earning assets | 0.1447% | 5,454 |
| Net interest margin | 3.4543% | 3,611 |
| Noninterest income to average assets | 1.1713% | 826 |
| Noninterest expense to average assets | 3.6999% | 885 |
| Loan and lease loss provision to assets | 0.1950% | 1,196 |
| Net operating income to assets | 0.1890% | 5,438 |
| Return on assets (ROA) | 0.2188% | 5,446 |
| Pretax return on assets | 0.2188% | 5,478 |
| Return on Equity (ROE) | 1.6629% | 5,462 |
| Retained earnings to average equity (ytd only) | 1.6629% | 4,584 |
| Net charge-offs to loans | -0.0537% | 5,412 |
| Credit loss provision to net charge-offs | -1,007.6923% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9694% | 823 |
| Assets per employee ($millions) | 3.1753% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 5,132 |
| Loan loss allowance to noncurrent loans | 1,362.5000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,963 |
| Noncurrent loans to loans | 0.0580% | 5,017 |
| Net loans and leases to total assets | 39.1457% | 5,354 |
| Net loans and leases to deposits | 44.6225% | 5,414 |
| Net loans and leases to core deposits | 46.6122% | 5,412 |
| Total domestic deposits to total assets | 87.7264% | 1,779 |
| Equity capital to assets | 12.2207% | 1,670 |
| Core capital (leverage) ratio | 10.2091% | 3,211 |
| Tier 1 risk-based capital ratio | 19.8128% | 1,417 |
| Total risk-based capital ratio | 20.4466% | 1,509 |
| Memoranda: | ||
| Average total assets | $67,190,200 | 4,986 |
| Average earning assets | $56,654,400 | 5,113 |
| Average equity | $8,840,200 | 4,786 |
| Average total loans | $24,202,200 | 5,383 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 4,522 |
| Cost of funding earning assets | 0.1452% | 5,509 |
| Net interest margin | 3.4654% | 3,610 |
| Noninterest income to average assets | 1.1645% | 845 |
| Noninterest expense to average assets | 3.7399% | 803 |
| Loan and lease loss provision to assets | 0.2004% | 1,051 |
| Net operating income to assets | 0.1423% | 5,566 |
| Return on assets (ROA) | 0.1824% | 5,559 |
| Pretax return on assets | 0.1824% | 5,587 |
| Return on Equity (ROE) | 1.3608% | 5,586 |
| Retained earnings to average equity (ytd only) | 1.3608% | 4,966 |
| Net charge-offs to loans | -0.0742% | 5,488 |
| Credit loss provision to net charge-offs | -769.2308% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9416% | 738 |
| Assets per employee ($millions) | 3.2568% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 5,508 |
| Loan loss allowance to noncurrent loans | 306.5574% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,723 |
| Noncurrent loans to loans | 0.2153% | 4,499 |
| Net loans and leases to total assets | 41.1431% | 5,328 |
| Net loans and leases to deposits | 47.4359% | 5,395 |
| Net loans and leases to core deposits | 49.6226% | 5,400 |
| Total domestic deposits to total assets | 86.7340% | 2,011 |
| Equity capital to assets | 13.1227% | 1,428 |
| Core capital (leverage) ratio | 10.2566% | 3,273 |
| Tier 1 risk-based capital ratio | 20.0607% | 1,434 |
| Total risk-based capital ratio | 20.6171% | 1,539 |
| Memoranda: | ||
| Average total assets | $66,523,500 | 5,044 |
| Average earning assets | $56,018,750 | 5,171 |
| Average equity | $8,916,000 | 4,820 |
| Average total loans | $23,361,750 | 5,463 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,881 |
| Cost of funding earning assets | 0.1477% | 5,558 |
| Net interest margin | 3.3465% | 4,074 |
| Noninterest income to average assets | 1.1290% | 879 |
| Noninterest expense to average assets | 3.6206% | 981 |
| Loan and lease loss provision to assets | 0.1517% | 1,508 |
| Net operating income to assets | 0.1760% | 5,569 |
| Return on assets (ROA) | 0.2276% | 5,537 |
| Pretax return on assets | 0.2276% | 5,582 |
| Return on Equity (ROE) | 1.6861% | 5,578 |
| Retained earnings to average equity (ytd only) | 1.6861% | 4,709 |
| Net charge-offs to loans | -0.1198% | 5,677 |
| Credit loss provision to net charge-offs | -384.6154% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8563% | 810 |
| Assets per employee ($millions) | 2.9992% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 5,693 |
| Loan loss allowance to noncurrent loans | 1,053.8462% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 5,057 |
| Noncurrent loans to loans | 0.0562% | 5,233 |
| Net loans and leases to total assets | 34.8347% | 5,652 |
| Net loans and leases to deposits | 40.4224% | 5,674 |
| Net loans and leases to core deposits | 42.3679% | 5,672 |
| Total domestic deposits to total assets | 86.1767% | 2,339 |
| Equity capital to assets | 13.7111% | 1,139 |
| Core capital (leverage) ratio | 10.5325% | 2,934 |
| Tier 1 risk-based capital ratio | 22.6934% | 1,050 |
| Total risk-based capital ratio | 23.1571% | 1,130 |
| Memoranda: | ||
| Average total assets | $65,900,330 | 5,104 |
| Average earning assets | $55,520,670 | 5,236 |
| Average equity | $8,896,330 | 4,860 |
| Average total loans | $21,707,000 | 5,568 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 4,949 |
| Cost of funding earning assets | 0.1511% | 5,601 |
| Net interest margin | 3.3241% | 4,130 |
| Noninterest income to average assets | 1.0507% | 985 |
| Noninterest expense to average assets | 3.4802% | 1,219 |
| Loan and lease loss provision to assets | 0.1822% | 1,102 |
| Net operating income to assets | 0.1944% | 5,536 |
| Return on assets (ROA) | 0.2976% | 5,394 |
| Pretax return on assets | 0.2976% | 5,512 |
| Return on Equity (ROE) | 2.2220% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.2220% | 4,370 |
| Net charge-offs to loans | -0.0381% | 5,187 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1969% | 1,047 |
| Assets per employee ($millions) | 3.1478% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4918% | 5,870 |
| Loan loss allowance to noncurrent loans | 145.2055% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 5,135 |
| Noncurrent loans to loans | 0.3387% | 4,227 |
| Net loans and leases to total assets | 32.4428% | 5,771 |
| Net loans and leases to deposits | 37.5225% | 5,794 |
| Net loans and leases to core deposits | 39.3166% | 5,790 |
| Total domestic deposits to total assets | 86.4622% | 2,467 |
| Equity capital to assets | 13.4546% | 1,193 |
| Core capital (leverage) ratio | 10.4841% | 2,985 |
| Tier 1 risk-based capital ratio | 23.5149% | 961 |
| Total risk-based capital ratio | 23.8890% | 1,042 |
| Memoranda: | ||
| Average total assets | $65,859,000 | 5,157 |
| Average earning assets | $55,593,500 | 5,281 |
| Average equity | $8,821,000 | 4,901 |
| Average total loans | $20,999,500 | 5,647 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1698% | 6,077 |
| Cost of funding earning assets | 0.0922% | 5,994 |
| Net interest margin | 2.0776% | 6,032 |
| Noninterest income to average assets | 0.6282% | 2,570 |
| Noninterest expense to average assets | 2.1068% | 5,243 |
| Loan and lease loss provision to assets | 0.1326% | 1,803 |
| Net operating income to assets | 0.1077% | 5,744 |
| Return on assets (ROA) | 0.1144% | 5,778 |
| Pretax return on assets | 0.1144% | 5,785 |
| Return on Equity (ROE) | 0.8931% | 5,791 |
| Retained earnings to average equity (ytd only) | 0.8931% | 5,166 |
| Net charge-offs to loans | 0.0313% | 3,596 |
| Credit loss provision to net charge-offs | 1,333.3333% | 254 |
| Earnings coverage of net charge-offs (x) | 24.1667% | 1,693 |
| Efficiency ratio | 85.3107% | 1,060 |
| Assets per employee ($millions) | 3.1245% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 6,022 |
| Loan loss allowance to noncurrent loans | 69.1589% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 4,956 |
| Noncurrent loans to loans | 0.5233% | 3,598 |
| Net loans and leases to total assets | 31.0498% | 5,863 |
| Net loans and leases to deposits | 35.8333% | 5,895 |
| Net loans and leases to core deposits | 37.5546% | 5,888 |
| Total domestic deposits to total assets | 86.6507% | 2,298 |
| Equity capital to assets | 13.3325% | 1,192 |
| Core capital (leverage) ratio | 10.7358% | 2,675 |
| Tier 1 risk-based capital ratio | 25.3194% | 791 |
| Total risk-based capital ratio | 25.5966% | 864 |
| Memoranda: | ||
| Average total assets | $60,328,000 | 5,312 |
| Average earning assets | $49,913,000 | 5,439 |
| Average equity | $7,726,000 | 5,104 |
| Average total loans | $19,162,400 | 5,752 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7087% | 6,209 |
| Cost of funding earning assets | 0.0714% | 6,147 |
| Net interest margin | 1.6373% | 6,195 |
| Noninterest income to average assets | 0.4632% | 3,609 |
| Noninterest expense to average assets | 1.5252% | 6,025 |
| Loan and lease loss provision to assets | 0.0791% | 2,590 |
| Net operating income to assets | 0.2056% | 5,669 |
| Return on assets (ROA) | 0.2147% | 5,711 |
| Pretax return on assets | 0.2147% | 5,772 |
| Return on Equity (ROE) | 1.6955% | 5,730 |
| Retained earnings to average equity (ytd only) | 1.6955% | 5,019 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2747% | 1,621 |
| Assets per employee ($millions) | 2.8699% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1883% | 6,177 |
| Loan loss allowance to noncurrent loans | 41.6667% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,221 |
| Noncurrent loans to loans | 0.4520% | 3,995 |
| Net loans and leases to total assets | 29.3817% | 5,993 |
| Net loans and leases to deposits | 34.1652% | 6,016 |
| Net loans and leases to core deposits | 35.8855% | 6,016 |
| Total domestic deposits to total assets | 85.9989% | 2,519 |
| Equity capital to assets | 13.9045% | 1,062 |
| Core capital (leverage) ratio | 10.9889% | 2,500 |
| Tier 1 risk-based capital ratio | 27.6465% | 642 |
| Total risk-based capital ratio | 27.7893% | 708 |
| Memoranda: | ||
| Average total assets | $59,006,500 | 5,408 |
| Average earning assets | $48,534,000 | 5,542 |
| Average equity | $7,470,500 | 5,220 |
| Average total loans | $18,841,250 | 5,838 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5133% | 6,330 |
| Cost of funding earning assets | 0.0255% | 6,298 |
| Net interest margin | 0.4878% | 6,329 |
| Noninterest income to average assets | 0.1735% | 5,661 |
| Noninterest expense to average assets | 0.5275% | 6,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0451% | 5,940 |
| Return on assets (ROA) | 0.0590% | 5,963 |
| Pretax return on assets | 0.0590% | 5,970 |
| Return on Equity (ROE) | 0.4833% | 5,966 |
| Retained earnings to average equity (ytd only) | 0.4833% | 5,358 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1212% | 633 |
| Assets per employee ($millions) | 2.8338% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,791 |
| Noncurrent loans to loans | 0.0883% | 5,390 |
| Net loans and leases to total assets | 29.0586% | 6,066 |
| Net loans and leases to deposits | 33.7538% | 6,085 |
| Net loans and leases to core deposits | 35.4722% | 6,075 |
| Total domestic deposits to total assets | 86.0899% | 2,651 |
| Equity capital to assets | 13.8460% | 1,032 |
| Core capital (leverage) ratio | 11.4311% | 2,048 |
| Tier 1 risk-based capital ratio | 27.7174% | 662 |
| Total risk-based capital ratio | 27.7174% | 728 |
| Memoranda: | ||
| Average total assets | $57,629,330 | 5,498 |
| Average earning assets | $47,146,330 | 5,631 |
| Average equity | $7,034,330 | 5,350 |
| Average total loans | $18,926,330 | 5,889 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 5,259 |
| Cost of funding earning assets | 0.1693% | 5,777 |
| Net interest margin | 3.2077% | 4,584 |
| Noninterest income to average assets | 1.0204% | 1,073 |
| Noninterest expense to average assets | 4.1757% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5500% | 6,257 |
| Return on assets (ROA) | -0.5500% | 6,267 |
| Pretax return on assets | -0.5500% | 6,253 |
| Return on Equity (ROE) | -4.8753% | 6,257 |
| Retained earnings to average equity (ytd only) | -4.8753% | 5,928 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1697% | 159 |
| Assets per employee ($millions) | 2.4989% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3285% | 681 |
| Loan loss allowance to noncurrent loans | 849.0566% | 627 |
| Noncurrent assets plus other real estate owned to assets | 3.6380% | 444 |
| Noncurrent loans to loans | 0.2742% | 4,798 |
| Net loans and leases to total assets | 34.3356% | 5,912 |
| Net loans and leases to deposits | 39.1797% | 5,944 |
| Net loans and leases to core deposits | 41.4129% | 5,924 |
| Total domestic deposits to total assets | 87.6362% | 2,023 |
| Equity capital to assets | 11.4179% | 2,544 |
| Core capital (leverage) ratio | 11.1133% | 2,305 |
| Tier 1 risk-based capital ratio | 22.7922% | 1,137 |
| Total risk-based capital ratio | 24.0480% | 1,117 |
| Memoranda: | ||
| Average total assets | $55,272,500 | 5,608 |
| Average earning assets | $44,892,000 | 5,739 |
| Average equity | $6,235,500 | 5,545 |
| Average total loans | $19,331,500 | 5,924 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4168% | 5,501 |
| Cost of funding earning assets | 0.1790% | 5,917 |
| Net interest margin | 3.2378% | 4,805 |
| Noninterest income to average assets | 1.2297% | 796 |
| Noninterest expense to average assets | 3.7036% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1660% | 5,838 |
| Return on assets (ROA) | 0.2171% | 5,793 |
| Pretax return on assets | 0.2171% | 5,844 |
| Return on Equity (ROE) | 1.9513% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.9513% | 4,822 |
| Net charge-offs to loans | 0.0507% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.1000% | 2,796 |
| Efficiency ratio | 95.7096% | 514 |
| Assets per employee ($millions) | 2.5259% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3271% | 697 |
| Loan loss allowance to noncurrent loans | 803.5714% | 724 |
| Noncurrent assets plus other real estate owned to assets | 3.6495% | 497 |
| Noncurrent loans to loans | 0.2896% | 4,812 |
| Net loans and leases to total assets | 33.9878% | 6,035 |
| Net loans and leases to deposits | 38.6474% | 6,074 |
| Net loans and leases to core deposits | 40.8147% | 6,077 |
| Total domestic deposits to total assets | 87.9431% | 1,802 |
| Equity capital to assets | 11.1463% | 2,754 |
| Core capital (leverage) ratio | 11.2586% | 2,174 |
| Tier 1 risk-based capital ratio | 23.2128% | 1,050 |
| Total risk-based capital ratio | 24.4689% | 1,027 |
| Memoranda: | ||
| Average total assets | $54,812,200 | 5,680 |
| Average earning assets | $44,691,400 | 5,810 |
| Average equity | $6,098,400 | 5,600 |
| Average total loans | $19,742,000 | 5,971 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 5,587 |
| Cost of funding earning assets | 0.1794% | 5,997 |
| Net interest margin | 3.2263% | 4,872 |
| Noninterest income to average assets | 1.2498% | 777 |
| Noninterest expense to average assets | 3.5223% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3613% | 5,395 |
| Return on assets (ROA) | 0.4296% | 5,218 |
| Pretax return on assets | 0.4296% | 5,522 |
| Return on Equity (ROE) | 3.8630% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.8630% | 3,906 |
| Net charge-offs to loans | 0.0470% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.1501% | 1,692 |
| Efficiency ratio | 90.6977% | 798 |
| Assets per employee ($millions) | 2.4488% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3547% | 778 |
| Loan loss allowance to noncurrent loans | 305.4054% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 3.9630% | 505 |
| Noncurrent loans to loans | 0.7710% | 3,656 |
| Net loans and leases to total assets | 34.7929% | 6,081 |
| Net loans and leases to deposits | 39.7245% | 6,122 |
| Net loans and leases to core deposits | 41.8001% | 6,123 |
| Total domestic deposits to total assets | 87.5856% | 1,987 |
| Equity capital to assets | 11.3768% | 2,609 |
| Core capital (leverage) ratio | 11.6126% | 1,970 |
| Tier 1 risk-based capital ratio | 23.6638% | 1,027 |
| Total risk-based capital ratio | 24.9179% | 1,007 |
| Memoranda: | ||
| Average total assets | $54,622,750 | 5,744 |
| Average earning assets | $44,590,250 | 5,878 |
| Average equity | $6,074,500 | 5,660 |
| Average total loans | $19,843,250 | 6,034 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3279% | 5,757 |
| Cost of funding earning assets | 0.1817% | 6,064 |
| Net interest margin | 3.1462% | 5,106 |
| Noninterest income to average assets | 1.1262% | 928 |
| Noninterest expense to average assets | 3.4771% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2369% | 5,743 |
| Return on assets (ROA) | 0.3390% | 5,507 |
| Pretax return on assets | 0.3390% | 5,700 |
| Return on Equity (ROE) | 3.0712% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.0712% | 4,249 |
| Net charge-offs to loans | 0.0798% | 2,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 2,532 |
| Efficiency ratio | 93.6212% | 661 |
| Assets per employee ($millions) | 2.5067% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3113% | 885 |
| Loan loss allowance to noncurrent loans | 447.5248% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 3.8026% | 591 |
| Noncurrent loans to loans | 0.5165% | 4,457 |
| Net loans and leases to total assets | 34.6420% | 6,125 |
| Net loans and leases to deposits | 39.4124% | 6,174 |
| Net loans and leases to core deposits | 42.3545% | 6,136 |
| Total domestic deposits to total assets | 87.8960% | 1,967 |
| Equity capital to assets | 11.1266% | 2,763 |
| Core capital (leverage) ratio | 11.3255% | 2,136 |
| Tier 1 risk-based capital ratio | 23.0003% | 1,108 |
| Total risk-based capital ratio | 24.2538% | 1,093 |
| Memoranda: | ||
| Average total assets | $54,872,670 | 5,790 |
| Average earning assets | $45,133,330 | 5,913 |
| Average equity | $6,056,330 | 5,703 |
| Average total loans | $20,059,000 | 6,074 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3309% | 5,788 |
| Cost of funding earning assets | 0.1860% | 6,107 |
| Net interest margin | 3.1449% | 5,102 |
| Noninterest income to average assets | 1.2570% | 699 |
| Noninterest expense to average assets | 3.3909% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4604% | 4,894 |
| Return on assets (ROA) | 0.4604% | 4,966 |
| Pretax return on assets | 0.4604% | 5,287 |
| Return on Equity (ROE) | 4.1885% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.1885% | 3,612 |
| Net charge-offs to loans | -0.0197% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0455% | 1,223 |
| Assets per employee ($millions) | 2.4737% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2770% | 1,061 |
| Loan loss allowance to noncurrent loans | 63.8504% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 3.7191% | 673 |
| Noncurrent loans to loans | 3.5661% | 807 |
| Net loans and leases to total assets | 36.3548% | 6,052 |
| Net loans and leases to deposits | 41.3748% | 6,112 |
| Net loans and leases to core deposits | 44.6060% | 6,048 |
| Total domestic deposits to total assets | 87.8670% | 2,306 |
| Equity capital to assets | 11.1462% | 2,576 |
| Core capital (leverage) ratio | 11.1940% | 2,227 |
| Tier 1 risk-based capital ratio | 22.6272% | 1,188 |
| Total risk-based capital ratio | 23.8808% | 1,173 |
| Memoranda: | ||
| Average total assets | $54,735,500 | 5,852 |
| Average earning assets | $45,153,000 | 5,967 |
| Average equity | $6,016,500 | 5,743 |
| Average total loans | $20,310,500 | 6,127 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3948% | 5,844 |
| Cost of funding earning assets | 0.2181% | 6,192 |
| Net interest margin | 3.1767% | 5,074 |
| Noninterest income to average assets | 1.2110% | 959 |
| Noninterest expense to average assets | 3.6529% | 1,367 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1722% | 5,884 |
| Return on assets (ROA) | 0.2067% | 5,876 |
| Pretax return on assets | 0.2067% | 5,924 |
| Return on Equity (ROE) | 1.8613% | 5,891 |
| Retained earnings to average equity (ytd only) | 0.0327% | 5,835 |
| Net charge-offs to loans | -0.0100% | 6,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4976% | 668 |
| Assets per employee ($millions) | 2.5022% | 6,403 |
| Cash dividends to net income (ytd only)* | 98.2456% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2577% | 1,103 |
| Loan loss allowance to noncurrent loans | 65.4339% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 3.6422% | 778 |
| Noncurrent loans to loans | 3.4503% | 921 |
| Net loans and leases to total assets | 36.1769% | 6,193 |
| Net loans and leases to deposits | 41.0069% | 6,270 |
| Net loans and leases to core deposits | 44.1525% | 6,213 |
| Total domestic deposits to total assets | 88.2214% | 2,044 |
| Equity capital to assets | 10.8394% | 2,774 |
| Core capital (leverage) ratio | 11.1859% | 2,209 |
| Tier 1 risk-based capital ratio | 21.8218% | 1,288 |
| Total risk-based capital ratio | 23.0750% | 1,266 |
| Memoranda: | ||
| Average total assets | $55,162,200 | 5,891 |
| Average earning assets | $45,393,400 | 6,010 |
| Average equity | $6,124,600 | 5,786 |
| Average total loans | $20,056,600 | 6,200 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 5,858 |
| Cost of funding earning assets | 0.2262% | 6,251 |
| Net interest margin | 3.1852% | 5,041 |
| Noninterest income to average assets | 1.2103% | 994 |
| Noninterest expense to average assets | 3.6020% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2271% | 5,846 |
| Return on assets (ROA) | 0.2271% | 5,926 |
| Pretax return on assets | 0.2271% | 5,998 |
| Return on Equity (ROE) | 2.0333% | 5,928 |
| Retained earnings to average equity (ytd only) | -0.3894% | 6,019 |
| Net charge-offs to loans | -0.0067% | 5,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0694% | 733 |
| Assets per employee ($millions) | 2.4663% | 6,501 |
| Cash dividends to net income (ytd only)* | 119.1494% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2574% | 1,241 |
| Loan loss allowance to noncurrent loans | 61.2000% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 3.7359% | 879 |
| Noncurrent loans to loans | 3.6886% | 1,003 |
| Net loans and leases to total assets | 36.6287% | 6,249 |
| Net loans and leases to deposits | 41.6550% | 6,329 |
| Net loans and leases to core deposits | 44.9089% | 6,254 |
| Total domestic deposits to total assets | 87.9336% | 2,172 |
| Equity capital to assets | 10.9919% | 2,767 |
| Core capital (leverage) ratio | 11.2172% | 2,287 |
| Tier 1 risk-based capital ratio | 22.0999% | 1,302 |
| Total risk-based capital ratio | 23.3553% | 1,283 |
| Memoranda: | ||
| Average total assets | $55,190,500 | 5,961 |
| Average earning assets | $45,375,000 | 6,077 |
| Average equity | $6,164,000 | 5,847 |
| Average total loans | $19,977,000 | 6,270 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 5,860 |
| Cost of funding earning assets | 0.2364% | 6,259 |
| Net interest margin | 3.1827% | 4,999 |
| Noninterest income to average assets | 1.1892% | 1,077 |
| Noninterest expense to average assets | 3.6107% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1982% | 5,894 |
| Return on assets (ROA) | 0.1982% | 6,021 |
| Pretax return on assets | 0.1982% | 6,086 |
| Return on Equity (ROE) | 1.7655% | 6,027 |
| Retained earnings to average equity (ytd only) | -1.8297% | 6,169 |
| Net charge-offs to loans | -0.0403% | 6,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7966% | 719 |
| Assets per employee ($millions) | 2.5366% | 6,467 |
| Cash dividends to net income (ytd only)* | 203.6364% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3627% | 1,149 |
| Loan loss allowance to noncurrent loans | 607.8947% | 721 |
| Noncurrent assets plus other real estate owned to assets | 2.4388% | 1,745 |
| Noncurrent loans to loans | 0.3887% | 5,300 |
| Net loans and leases to total assets | 34.2114% | 6,400 |
| Net loans and leases to deposits | 38.7931% | 6,456 |
| Net loans and leases to core deposits | 42.7889% | 6,373 |
| Total domestic deposits to total assets | 88.1894% | 2,116 |
| Equity capital to assets | 10.8053% | 2,937 |
| Core capital (leverage) ratio | 10.8622% | 2,491 |
| Tier 1 risk-based capital ratio | 22.6850% | 1,188 |
| Total risk-based capital ratio | 23.9410% | 1,162 |
| Memoranda: | ||
| Average total assets | $55,501,330 | 5,983 |
| Average earning assets | $45,684,670 | 6,113 |
| Average equity | $6,230,670 | 5,870 |
| Average total loans | $19,858,330 | 6,313 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 5,708 |
| Cost of funding earning assets | 0.2456% | 6,316 |
| Net interest margin | 3.2541% | 4,714 |
| Noninterest income to average assets | 1.1635% | 1,106 |
| Noninterest expense to average assets | 3.4761% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3686% | 5,269 |
| Return on assets (ROA) | 0.3686% | 5,400 |
| Pretax return on assets | 0.3686% | 5,652 |
| Return on Equity (ROE) | 3.2222% | 5,475 |
| Retained earnings to average equity (ytd only) | -3.8541% | 6,264 |
| Net charge-offs to loans | -0.0200% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4135% | 1,105 |
| Assets per employee ($millions) | 2.4335% | 6,638 |
| Cash dividends to net income (ytd only)* | 219.6078% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3018% | 1,407 |
| Loan loss allowance to noncurrent loans | 159.3750% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 2.5371% | 1,809 |
| Noncurrent loans to loans | 1.4443% | 3,398 |
| Net loans and leases to total assets | 34.8079% | 6,373 |
| Net loans and leases to deposits | 39.6669% | 6,436 |
| Net loans and leases to core deposits | 44.1168% | 6,309 |
| Total domestic deposits to total assets | 87.7506% | 2,485 |
| Equity capital to assets | 11.2453% | 2,680 |
| Core capital (leverage) ratio | 10.9298% | 2,323 |
| Tier 1 risk-based capital ratio | 21.9366% | 1,345 |
| Total risk-based capital ratio | 23.1914% | 1,317 |
| Memoranda: | ||
| Average total assets | $55,349,000 | 6,037 |
| Average earning assets | $45,603,500 | 6,172 |
| Average equity | $6,331,000 | 5,904 |
| Average total loans | $20,010,500 | 6,358 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 4,945 |
| Cost of funding earning assets | 0.3075% | 6,413 |
| Net interest margin | 3.7936% | 3,254 |
| Noninterest income to average assets | 1.5198% | 680 |
| Noninterest expense to average assets | 3.9203% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7136% | 3,678 |
| Return on assets (ROA) | 0.8571% | 3,257 |
| Pretax return on assets | 0.8571% | 4,078 |
| Return on Equity (ROE) | 7.5972% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.5972% | 1,282 |
| Net charge-offs to loans | 0.2034% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 9.1395% | 2,302 |
| Efficiency ratio | 84.6003% | 1,558 |
| Assets per employee ($millions) | 2.3795% | 6,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2809% | 1,396 |
| Loan loss allowance to noncurrent loans | 1,272.2222% | 385 |
| Noncurrent assets plus other real estate owned to assets | 2.1342% | 2,293 |
| Noncurrent loans to loans | 0.1793% | 6,026 |
| Net loans and leases to total assets | 35.8537% | 6,443 |
| Net loans and leases to deposits | 41.0279% | 6,502 |
| Net loans and leases to core deposits | 44.7797% | 6,429 |
| Total domestic deposits to total assets | 87.3885% | 2,584 |
| Equity capital to assets | 11.6357% | 2,318 |
| Core capital (leverage) ratio | 11.3326% | 1,992 |
| Tier 1 risk-based capital ratio | 22.8112% | 1,140 |
| Total risk-based capital ratio | 24.0662% | 1,124 |
| Memoranda: | ||
| Average total assets | $55,072,400 | 6,045 |
| Average earning assets | $45,207,200 | 6,198 |
| Average equity | $6,212,800 | 5,965 |
| Average total loans | $21,144,800 | 6,372 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 4,673 |
| Cost of funding earning assets | 0.3237% | 6,493 |
| Net interest margin | 3.9173% | 2,850 |
| Noninterest income to average assets | 1.5881% | 592 |
| Noninterest expense to average assets | 3.7273% | 1,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0781% | 2,176 |
| Return on assets (ROA) | 1.1844% | 1,977 |
| Pretax return on assets | 1.1844% | 3,043 |
| Return on Equity (ROE) | 10.5818% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.5818% | 767 |
| Net charge-offs to loans | 0.0498% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 55.7310% | 695 |
| Efficiency ratio | 77.5654% | 2,449 |
| Assets per employee ($millions) | 2.3666% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4063% | 1,348 |
| Loan loss allowance to noncurrent loans | 1,369.4444% | 344 |
| Noncurrent assets plus other real estate owned to assets | 2.1458% | 2,498 |
| Noncurrent loans to loans | 0.1757% | 6,171 |
| Net loans and leases to total assets | 36.7339% | 6,502 |
| Net loans and leases to deposits | 42.2415% | 6,584 |
| Net loans and leases to core deposits | 45.5073% | 6,534 |
| Total domestic deposits to total assets | 86.9617% | 2,691 |
| Equity capital to assets | 11.9397% | 2,314 |
| Core capital (leverage) ratio | 11.2889% | 2,150 |
| Tier 1 risk-based capital ratio | 22.0971% | 1,316 |
| Total risk-based capital ratio | 23.3519% | 1,294 |
| Memoranda: | ||
| Average total assets | $55,158,500 | 6,118 |
| Average earning assets | $45,302,500 | 6,266 |
| Average equity | $6,174,000 | 6,042 |
| Average total loans | $21,411,000 | 6,445 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 5,388 |
| Cost of funding earning assets | 0.3426% | 6,542 |
| Net interest margin | 3.7380% | 3,649 |
| Noninterest income to average assets | 1.4151% | 718 |
| Noninterest expense to average assets | 3.6606% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8267% | 3,266 |
| Return on assets (ROA) | 0.9711% | 2,821 |
| Pretax return on assets | 0.9711% | 3,815 |
| Return on Equity (ROE) | 8.8696% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.8696% | 1,319 |
| Net charge-offs to loans | 0.0921% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 22.9000% | 1,271 |
| Efficiency ratio | 81.5768% | 1,955 |
| Assets per employee ($millions) | 2.4521% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3353% | 1,526 |
| Loan loss allowance to noncurrent loans | 463.2075% | 781 |
| Noncurrent assets plus other real estate owned to assets | 2.2146% | 2,527 |
| Noncurrent loans to loans | 0.5042% | 5,525 |
| Net loans and leases to total assets | 36.4084% | 6,592 |
| Net loans and leases to deposits | 41.3642% | 6,683 |
| Net loans and leases to core deposits | 45.5077% | 6,594 |
| Total domestic deposits to total assets | 88.0193% | 2,127 |
| Equity capital to assets | 10.9665% | 3,155 |
| Core capital (leverage) ratio | 10.7439% | 2,550 |
| Tier 1 risk-based capital ratio | 21.1590% | 1,451 |
| Total risk-based capital ratio | 22.4159% | 1,425 |
| Memoranda: | ||
| Average total assets | $55,400,670 | 6,152 |
| Average earning assets | $45,532,330 | 6,300 |
| Average equity | $6,065,670 | 6,102 |
| Average total loans | $21,718,670 | 6,482 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 4,700 |
| Cost of funding earning assets | 0.3701% | 6,552 |
| Net interest margin | 3.9385% | 2,768 |
| Noninterest income to average assets | 1.5956% | 566 |
| Noninterest expense to average assets | 3.7012% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1512% | 1,877 |
| Return on assets (ROA) | 1.1512% | 2,057 |
| Pretax return on assets | 1.1512% | 3,107 |
| Return on Equity (ROE) | 10.5228% | 2,221 |
| Retained earnings to average equity (ytd only) | 10.5228% | 1,157 |
| Net charge-offs to loans | 0.1813% | 3,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,403 |
| Efficiency ratio | 76.2763% | 2,748 |
| Assets per employee ($millions) | 2.4051% | 6,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2659% | 1,745 |
| Loan loss allowance to noncurrent loans | 91.6045% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 2.3356% | 2,548 |
| Noncurrent loans to loans | 2.4736% | 2,634 |
| Net loans and leases to total assets | 38.2848% | 6,475 |
| Net loans and leases to deposits | 43.5188% | 6,584 |
| Net loans and leases to core deposits | 47.9683% | 6,459 |
| Total domestic deposits to total assets | 87.9730% | 2,340 |
| Equity capital to assets | 10.9984% | 2,911 |
| Core capital (leverage) ratio | 10.5100% | 2,738 |
| Tier 1 risk-based capital ratio | 20.1641% | 1,666 |
| Total risk-based capital ratio | 21.4190% | 1,642 |
| Memoranda: | ||
| Average total assets | $54,901,500 | 6,207 |
| Average earning assets | $45,398,500 | 6,351 |
| Average equity | $6,006,000 | 6,146 |
| Average total loans | $22,065,500 | 6,508 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 4,790 |
| Cost of funding earning assets | 0.4942% | 6,558 |
| Net interest margin | 4.0752% | 2,545 |
| Noninterest income to average assets | 1.4499% | 618 |
| Noninterest expense to average assets | 4.0049% | 1,030 |
| Loan and lease loss provision to assets | 0.5444% | 1,924 |
| Net operating income to assets | 0.2377% | 5,469 |
| Return on assets (ROA) | 0.3847% | 5,096 |
| Pretax return on assets | 0.3847% | 5,335 |
| Return on Equity (ROE) | 3.6042% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.6042% | 3,650 |
| Net charge-offs to loans | 1.0792% | 1,599 |
| Credit loss provision to net charge-offs | 117.1875% | 2,747 |
| Earnings coverage of net charge-offs (x) | 1.6836% | 4,509 |
| Efficiency ratio | 83.6619% | 1,809 |
| Assets per employee ($millions) | 2.3690% | 6,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2304% | 1,742 |
| Loan loss allowance to noncurrent loans | 294.7059% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5343% | 3,653 |
| Noncurrent loans to loans | 0.7568% | 5,182 |
| Net loans and leases to total assets | 40.3058% | 6,529 |
| Net loans and leases to deposits | 45.7302% | 6,637 |
| Net loans and leases to core deposits | 49.5879% | 6,549 |
| Total domestic deposits to total assets | 88.1382% | 2,068 |
| Equity capital to assets | 10.8799% | 3,106 |
| Core capital (leverage) ratio | 10.5296% | 2,687 |
| Tier 1 risk-based capital ratio | 19.6886% | 1,701 |
| Total risk-based capital ratio | 20.9446% | 1,673 |
| Memoranda: | ||
| Average total assets | $55,107,600 | 6,198 |
| Average earning assets | $45,126,800 | 6,354 |
| Average equity | $5,882,000 | 6,188 |
| Average total loans | $23,721,400 | 6,476 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 4,841 |
| Cost of funding earning assets | 0.5251% | 6,602 |
| Net interest margin | 4.0827% | 2,538 |
| Noninterest income to average assets | 1.4403% | 636 |
| Noninterest expense to average assets | 3.9061% | 1,143 |
| Loan and lease loss provision to assets | 0.6249% | 1,570 |
| Net operating income to assets | 0.2485% | 5,575 |
| Return on assets (ROA) | 0.2775% | 5,641 |
| Pretax return on assets | 0.2775% | 5,756 |
| Return on Equity (ROE) | 2.6119% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.6119% | 4,798 |
| Net charge-offs to loans | 1.1981% | 1,309 |
| Credit loss provision to net charge-offs | 119.9074% | 2,713 |
| Earnings coverage of net charge-offs (x) | 1.6759% | 4,395 |
| Efficiency ratio | 81.7264% | 2,013 |
| Assets per employee ($millions) | 2.3658% | 7,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1677% | 1,926 |
| Loan loss allowance to noncurrent loans | 297.6190% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 1.5327% | 3,797 |
| Noncurrent loans to loans | 0.7283% | 5,418 |
| Net loans and leases to total assets | 41.4709% | 6,528 |
| Net loans and leases to deposits | 47.2023% | 6,675 |
| Net loans and leases to core deposits | 50.5103% | 6,647 |
| Total domestic deposits to total assets | 87.8579% | 2,124 |
| Equity capital to assets | 11.0321% | 3,112 |
| Core capital (leverage) ratio | 10.3630% | 3,018 |
| Tier 1 risk-based capital ratio | 19.0135% | 1,931 |
| Total risk-based capital ratio | 20.2679% | 1,907 |
| Memoranda: | ||
| Average total assets | $55,263,000 | 6,232 |
| Average earning assets | $45,198,000 | 6,414 |
| Average equity | $5,870,500 | 6,233 |
| Average total loans | $24,036,250 | 6,532 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 4,916 |
| Cost of funding earning assets | 0.5551% | 6,644 |
| Net interest margin | 4.0575% | 2,584 |
| Noninterest income to average assets | 1.4114% | 642 |
| Noninterest expense to average assets | 3.9319% | 1,141 |
| Loan and lease loss provision to assets | 0.8786% | 1,018 |
| Net operating income to assets | -0.0828% | 6,329 |
| Return on assets (ROA) | -0.0828% | 6,386 |
| Pretax return on assets | -0.0828% | 6,345 |
| Return on Equity (ROE) | -0.7895% | 6,382 |
| Retained earnings to average equity (ytd only) | -0.7895% | 6,014 |
| Net charge-offs to loans | 1.8145% | 766 |
| Credit loss provision to net charge-offs | 110.4072% | 2,776 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,544 |
| Efficiency ratio | 83.1683% | 1,932 |
| Assets per employee ($millions) | 2.4293% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 2,176 |
| Loan loss allowance to noncurrent loans | 282.3529% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 1.4962% | 3,960 |
| Noncurrent loans to loans | 0.7342% | 5,443 |
| Net loans and leases to total assets | 40.5842% | 6,698 |
| Net loans and leases to deposits | 45.8638% | 6,836 |
| Net loans and leases to core deposits | 50.0011% | 6,756 |
| Total domestic deposits to total assets | 88.4884% | 1,862 |
| Equity capital to assets | 10.4700% | 3,548 |
| Core capital (leverage) ratio | 9.8067% | 3,514 |
| Tier 1 risk-based capital ratio | 18.0176% | 2,167 |
| Total risk-based capital ratio | 19.2727% | 2,123 |
| Memoranda: | ||
| Average total assets | $55,546,000 | 6,274 |
| Average earning assets | $45,397,670 | 6,460 |
| Average equity | $5,826,330 | 6,280 |
| Average total loans | $24,359,670 | 6,570 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 4,417 |
| Cost of funding earning assets | 0.5846% | 6,671 |
| Net interest margin | 4.1368% | 2,130 |
| Noninterest income to average assets | 1.4734% | 592 |
| Noninterest expense to average assets | 4.1458% | 873 |
| Loan and lease loss provision to assets | 0.1733% | 3,892 |
| Net operating income to assets | 0.5272% | 4,370 |
| Return on assets (ROA) | 0.5272% | 4,452 |
| Pretax return on assets | 0.5272% | 4,934 |
| Return on Equity (ROE) | 5.0219% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.0219% | 3,179 |
| Net charge-offs to loans | 0.1122% | 3,858 |
| Credit loss provision to net charge-offs | 342.8571% | 951 |
| Earnings coverage of net charge-offs (x) | 13.8571% | 1,403 |
| Efficiency ratio | 85.5440% | 1,770 |
| Assets per employee ($millions) | 2.2084% | 7,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 2,674 |
| Loan loss allowance to noncurrent loans | 108.7156% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 2.0015% | 3,312 |
| Noncurrent loans to loans | 1.7528% | 3,886 |
| Net loans and leases to total assets | 44.1975% | 6,455 |
| Net loans and leases to deposits | 50.0051% | 6,622 |
| Net loans and leases to core deposits | 54.9374% | 6,489 |
| Total domestic deposits to total assets | 88.3860% | 2,151 |
| Equity capital to assets | 10.5726% | 3,106 |
| Core capital (leverage) ratio | 9.8841% | 3,294 |
| Tier 1 risk-based capital ratio | 17.5576% | 2,268 |
| Total risk-based capital ratio | 18.8101% | 2,234 |
| Memoranda: | ||
| Average total assets | $55,382,000 | 6,329 |
| Average earning assets | $45,155,500 | 6,520 |
| Average equity | $5,814,500 | 6,306 |
| Average total loans | $24,961,500 | 6,589 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 4,228 |
| Cost of funding earning assets | 0.8340% | 6,425 |
| Net interest margin | 4.2369% | 2,038 |
| Noninterest income to average assets | 1.2046% | 1,031 |
| Noninterest expense to average assets | 4.2742% | 836 |
| Loan and lease loss provision to assets | 0.6240% | 2,643 |
| Net operating income to assets | -0.2947% | 6,205 |
| Return on assets (ROA) | -0.2947% | 6,251 |
| Pretax return on assets | -0.2947% | 6,156 |
| Return on Equity (ROE) | -2.6467% | 6,241 |
| Retained earnings to average equity (ytd only) | -2.6467% | 6,059 |
| Net charge-offs to loans | 1.3711% | 1,632 |
| Credit loss provision to net charge-offs | 104.9563% | 4,277 |
| Earnings coverage of net charge-offs (x) | 0.5539% | 5,554 |
| Efficiency ratio | 92.8464% | 1,128 |
| Assets per employee ($millions) | 2.2222% | 7,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8245% | 2,781 |
| Loan loss allowance to noncurrent loans | 66.5211% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.1564% | 3,147 |
| Noncurrent loans to loans | 2.7427% | 2,772 |
| Net loans and leases to total assets | 44.2642% | 6,691 |
| Net loans and leases to deposits | 49.9512% | 6,859 |
| Net loans and leases to core deposits | 54.9876% | 6,753 |
| Total domestic deposits to total assets | 88.6149% | 1,883 |
| Equity capital to assets | 10.4257% | 3,240 |
| Core capital (leverage) ratio | 9.6154% | 3,533 |
| Tier 1 risk-based capital ratio | 16.7231% | 2,449 |
| Total risk-based capital ratio | 17.9748% | 2,418 |
| Memoranda: | ||
| Average total assets | $57,694,600 | 6,283 |
| Average earning assets | $46,283,600 | 6,503 |
| Average equity | $6,423,000 | 6,225 |
| Average total loans | $25,016,400 | 6,670 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 4,184 |
| Cost of funding earning assets | 0.8821% | 6,467 |
| Net interest margin | 4.2446% | 2,053 |
| Noninterest income to average assets | 1.1563% | 1,047 |
| Noninterest expense to average assets | 4.2131% | 811 |
| Loan and lease loss provision to assets | 0.1259% | 5,766 |
| Net operating income to assets | 0.2106% | 5,482 |
| Return on assets (ROA) | 0.2106% | 5,642 |
| Pretax return on assets | 0.2106% | 5,706 |
| Return on Equity (ROE) | 1.8639% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.8639% | 5,027 |
| Net charge-offs to loans | 0.3785% | 3,785 |
| Credit loss provision to net charge-offs | 77.4648% | 5,213 |
| Earnings coverage of net charge-offs (x) | 2.0706% | 4,168 |
| Efficiency ratio | 92.6019% | 1,077 |
| Assets per employee ($millions) | 2.1703% | 7,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 3,260 |
| Loan loss allowance to noncurrent loans | 41.4467% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 1.9902% | 3,479 |
| Noncurrent loans to loans | 4.0268% | 1,859 |
| Net loans and leases to total assets | 44.2714% | 6,819 |
| Net loans and leases to deposits | 50.5279% | 6,983 |
| Net loans and leases to core deposits | 55.2188% | 6,903 |
| Total domestic deposits to total assets | 87.6176% | 2,201 |
| Equity capital to assets | 11.2889% | 2,710 |
| Core capital (leverage) ratio | 10.0439% | 3,209 |
| Tier 1 risk-based capital ratio | 17.3566% | 2,221 |
| Total risk-based capital ratio | 18.6084% | 2,182 |
| Memoranda: | ||
| Average total assets | $58,229,500 | 6,339 |
| Average earning assets | $46,552,250 | 6,575 |
| Average equity | $6,580,750 | 6,247 |
| Average total loans | $25,008,500 | 6,755 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2718% | 3,595 |
| Cost of funding earning assets | 0.9351% | 6,440 |
| Net interest margin | 4.3367% | 1,649 |
| Noninterest income to average assets | 1.1355% | 1,013 |
| Noninterest expense to average assets | 4.0693% | 962 |
| Loan and lease loss provision to assets | 0.0850% | 6,077 |
| Net operating income to assets | 0.4182% | 4,669 |
| Return on assets (ROA) | 0.4182% | 4,829 |
| Pretax return on assets | 0.4182% | 5,166 |
| Return on Equity (ROE) | 3.6987% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.6987% | 3,746 |
| Net charge-offs to loans | 0.2653% | 4,016 |
| Credit loss provision to net charge-offs | 75.7576% | 4,818 |
| Earnings coverage of net charge-offs (x) | 4.4848% | 2,942 |
| Efficiency ratio | 88.9963% | 1,414 |
| Assets per employee ($millions) | 2.1322% | 7,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 2,924 |
| Loan loss allowance to noncurrent loans | 78.8321% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 5,230 |
| Noncurrent loans to loans | 2.2124% | 3,472 |
| Net loans and leases to total assets | 42.2762% | 7,027 |
| Net loans and leases to deposits | 48.4531% | 7,143 |
| Net loans and leases to core deposits | 54.3223% | 7,021 |
| Total domestic deposits to total assets | 87.2518% | 2,404 |
| Equity capital to assets | 11.7407% | 2,257 |
| Core capital (leverage) ratio | 10.5020% | 2,633 |
| Tier 1 risk-based capital ratio | 18.1730% | 1,910 |
| Total risk-based capital ratio | 19.4228% | 1,882 |
| Memoranda: | ||
| Average total assets | $58,830,330 | 6,357 |
| Average earning assets | $46,625,670 | 6,607 |
| Average equity | $6,651,000 | 6,254 |
| Average total loans | $24,876,330 | 6,815 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2859% | 3,613 |
| Cost of funding earning assets | 1.0175% | 6,293 |
| Net interest margin | 4.2684% | 1,791 |
| Noninterest income to average assets | 1.1705% | 895 |
| Noninterest expense to average assets | 4.0632% | 945 |
| Loan and lease loss provision to assets | 0.1682% | 4,852 |
| Net operating income to assets | 0.2691% | 5,425 |
| Return on assets (ROA) | 0.2691% | 5,545 |
| Pretax return on assets | 0.2691% | 5,691 |
| Return on Equity (ROE) | 2.4253% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.4253% | 4,682 |
| Net charge-offs to loans | 0.6097% | 2,292 |
| Credit loss provision to net charge-offs | 65.7895% | 4,187 |
| Earnings coverage of net charge-offs (x) | 1.7105% | 3,705 |
| Efficiency ratio | 90.2840% | 1,408 |
| Assets per employee ($millions) | 2.1527% | 7,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 3,000 |
| Loan loss allowance to noncurrent loans | 75.9786% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.0650% | 5,018 |
| Noncurrent loans to loans | 2.2601% | 3,446 |
| Net loans and leases to total assets | 42.0478% | 7,126 |
| Net loans and leases to deposits | 48.0241% | 7,233 |
| Net loans and leases to core deposits | 55.7573% | 7,005 |
| Total domestic deposits to total assets | 87.5555% | 2,330 |
| Equity capital to assets | 11.4535% | 2,399 |
| Core capital (leverage) ratio | 10.1372% | 2,998 |
| Tier 1 risk-based capital ratio | 18.0317% | 1,937 |
| Total risk-based capital ratio | 19.2826% | 1,910 |
| Memoranda: | ||
| Average total assets | $59,461,000 | 6,407 |
| Average earning assets | $46,387,500 | 6,686 |
| Average equity | $6,597,000 | 6,319 |
| Average total loans | $24,929,500 | 6,888 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8248% | 2,552 |
| Cost of funding earning assets | 1.2577% | 6,448 |
| Net interest margin | 4.5672% | 1,039 |
| Noninterest income to average assets | 1.1146% | 1,235 |
| Noninterest expense to average assets | 3.9626% | 1,416 |
| Loan and lease loss provision to assets | 0.1761% | 5,936 |
| Net operating income to assets | 0.8000% | 2,541 |
| Return on assets (ROA) | 0.8000% | 2,624 |
| Pretax return on assets | 0.8000% | 3,242 |
| Return on Equity (ROE) | 7.2155% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.4382% | 2,762 |
| Net charge-offs to loans | -0.0798% | 7,874 |
| Credit loss provision to net charge-offs | -515.0000% | 7,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2354% | 2,851 |
| Assets per employee ($millions) | 2.2519% | 7,530 |
| Cash dividends to net income (ytd only)* | 52.3504% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,658 |
| Loan loss allowance to noncurrent loans | 53.1325% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 1.4770% | 4,173 |
| Noncurrent loans to loans | 3.3209% | 2,300 |
| Net loans and leases to total assets | 40.3816% | 7,332 |
| Net loans and leases to deposits | 45.7156% | 7,456 |
| Net loans and leases to core deposits | 59.6139% | 7,281 |
| Total domestic deposits to total assets | 88.3322% | 1,804 |
| Equity capital to assets | 10.7516% | 2,920 |
| Core capital (leverage) ratio | 9.8268% | 3,300 |
| Tier 1 risk-based capital ratio | 17.8354% | 1,931 |
| Total risk-based capital ratio | 19.0868% | 1,890 |
| Memoranda: | ||
| Average total assets | $58,497,600 | 6,408 |
| Average earning assets | $48,980,200 | 6,564 |
| Average equity | $6,486,000 | 6,432 |
| Average total loans | $25,069,200 | 6,909 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9933% | 2,065 |
| Cost of funding earning assets | 1.3011% | 6,559 |
| Net interest margin | 4.6922% | 839 |
| Noninterest income to average assets | 1.1003% | 1,312 |
| Noninterest expense to average assets | 3.7682% | 1,659 |
| Loan and lease loss provision to assets | 0.2302% | 5,128 |
| Net operating income to assets | 1.0865% | 1,779 |
| Return on assets (ROA) | 1.0865% | 1,833 |
| Pretax return on assets | 1.0865% | 2,621 |
| Return on Equity (ROE) | 9.7219% | 2,025 |
| Retained earnings to average equity (ytd only) | 5.9320% | 1,984 |
| Net charge-offs to loans | -0.1222% | 7,938 |
| Credit loss provision to net charge-offs | -434.7826% | 7,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1059% | 3,847 |
| Assets per employee ($millions) | 2.3095% | 7,495 |
| Cash dividends to net income (ytd only)* | 38.9833% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 2,590 |
| Loan loss allowance to noncurrent loans | 91.8580% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 5,251 |
| Noncurrent loans to loans | 1.8612% | 3,825 |
| Net loans and leases to total assets | 42.1263% | 7,357 |
| Net loans and leases to deposits | 47.9227% | 7,496 |
| Net loans and leases to core deposits | 62.4408% | 7,308 |
| Total domestic deposits to total assets | 87.9047% | 1,702 |
| Equity capital to assets | 11.1044% | 2,920 |
| Core capital (leverage) ratio | 10.4065% | 2,875 |
| Tier 1 risk-based capital ratio | 18.6795% | 1,824 |
| Total risk-based capital ratio | 19.9303% | 1,783 |
| Memoranda: | ||
| Average total assets | $57,922,000 | 6,467 |
| Average earning assets | $49,186,750 | 6,607 |
| Average equity | $6,473,250 | 6,493 |
| Average total loans | $25,088,250 | 6,970 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1153% | 1,741 |
| Cost of funding earning assets | 1.3423% | 6,670 |
| Net interest margin | 4.7730% | 692 |
| Noninterest income to average assets | 1.1186% | 1,266 |
| Noninterest expense to average assets | 3.8348% | 1,600 |
| Loan and lease loss provision to assets | 0.2971% | 4,187 |
| Net operating income to assets | 1.1011% | 1,769 |
| Return on assets (ROA) | 1.1011% | 1,846 |
| Pretax return on assets | 1.1011% | 2,632 |
| Return on Equity (ROE) | 9.8310% | 2,079 |
| Retained earnings to average equity (ytd only) | 5.9922% | 2,027 |
| Net charge-offs to loans | -0.2010% | 8,028 |
| Credit loss provision to net charge-offs | -340.0000% | 7,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2799% | 4,142 |
| Assets per employee ($millions) | 2.2857% | 7,574 |
| Cash dividends to net income (ytd only)* | 39.0476% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,575 |
| Loan loss allowance to noncurrent loans | 2,668.7500% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 7,552 |
| Noncurrent loans to loans | 0.0614% | 7,375 |
| Net loans and leases to total assets | 43.1218% | 7,383 |
| Net loans and leases to deposits | 48.8943% | 7,528 |
| Net loans and leases to core deposits | 65.2576% | 7,245 |
| Total domestic deposits to total assets | 88.1939% | 1,674 |
| Equity capital to assets | 10.8301% | 3,079 |
| Core capital (leverage) ratio | 10.2172% | 3,075 |
| Tier 1 risk-based capital ratio | 19.2686% | 1,727 |
| Total risk-based capital ratio | 20.5186% | 1,684 |
| Memoranda: | ||
| Average total assets | $57,213,330 | 6,543 |
| Average earning assets | $49,319,000 | 6,661 |
| Average equity | $6,408,330 | 6,570 |
| Average total loans | $24,872,330 | 7,038 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2401% | 1,478 |
| Cost of funding earning assets | 1.3519% | 6,870 |
| Net interest margin | 4.8882% | 514 |
| Noninterest income to average assets | 1.2120% | 978 |
| Noninterest expense to average assets | 4.0067% | 1,179 |
| Loan and lease loss provision to assets | 0.4634% | 2,618 |
| Net operating income to assets | 0.9696% | 2,440 |
| Return on assets (ROA) | 0.9696% | 2,565 |
| Pretax return on assets | 0.9696% | 3,467 |
| Return on Equity (ROE) | 8.5073% | 2,924 |
| Retained earnings to average equity (ytd only) | 4.6915% | 3,309 |
| Net charge-offs to loans | -0.2965% | 8,066 |
| Credit loss provision to net charge-offs | -361.1111% | 6,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6566% | 3,883 |
| Assets per employee ($millions) | 2.1887% | 7,727 |
| Cash dividends to net income (ytd only)* | 44.8529% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 2,425 |
| Loan loss allowance to noncurrent loans | 2,352.9412% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 7,234 |
| Noncurrent loans to loans | 0.0690% | 7,328 |
| Net loans and leases to total assets | 41.0062% | 7,521 |
| Net loans and leases to deposits | 46.6109% | 7,642 |
| Net loans and leases to core deposits | 62.0913% | 7,387 |
| Total domestic deposits to total assets | 87.9755% | 1,757 |
| Equity capital to assets | 11.0414% | 2,928 |
| Core capital (leverage) ratio | 10.6962% | 2,741 |
| Tier 1 risk-based capital ratio | 19.5335% | 1,714 |
| Total risk-based capital ratio | 20.7860% | 1,658 |
| Memoranda: | ||
| Average total assets | $56,106,500 | 6,631 |
| Average earning assets | $48,525,000 | 6,729 |
| Average equity | $6,394,500 | 6,616 |
| Average total loans | $24,282,000 | 7,115 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5659% | 2,639 |
| Cost of funding earning assets | 1.5713% | 7,495 |
| Net interest margin | 4.9945% | 514 |
| Noninterest income to average assets | 1.2603% | 925 |
| Noninterest expense to average assets | 4.2778% | 1,072 |
| Loan and lease loss provision to assets | 0.1343% | 5,638 |
| Net operating income to assets | 1.2872% | 1,517 |
| Return on assets (ROA) | 1.4579% | 1,063 |
| Pretax return on assets | 1.4579% | 1,797 |
| Return on Equity (ROE) | 12.7882% | 1,388 |
| Retained earnings to average equity (ytd only) | 8.1609% | 795 |
| Net charge-offs to loans | 0.4871% | 2,411 |
| Credit loss provision to net charge-offs | 66.0377% | 6,140 |
| Earnings coverage of net charge-offs (x) | 6.9906% | 3,220 |
| Efficiency ratio | 75.0589% | 3,392 |
| Assets per employee ($millions) | 1.9673% | 7,939 |
| Cash dividends to net income (ytd only)* | 36.1842% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 3,621 |
| Loan loss allowance to noncurrent loans | 1,864.7059% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 7,056 |
| Noncurrent loans to loans | 0.0710% | 7,220 |
| Net loans and leases to total assets | 44.4566% | 7,439 |
| Net loans and leases to deposits | 51.0198% | 7,581 |
| Net loans and leases to core deposits | 61.8978% | 7,510 |
| Total domestic deposits to total assets | 87.1359% | 1,874 |
| Equity capital to assets | 11.7928% | 2,437 |
| Core capital (leverage) ratio | 11.0288% | 2,574 |
| Tier 1 risk-based capital ratio | 20.9407% | 1,464 |
| Total risk-based capital ratio | 22.0815% | 1,452 |
| Memoranda: | ||
| Average total assets | $52,129,800 | 6,690 |
| Average earning assets | $46,330,600 | 6,754 |
| Average equity | $5,943,000 | 6,828 |
| Average total loans | $21,762,800 | 7,209 |