Home > Heartland Tri-State Bank > Performance and Condition Ratios
Heartland Tri-State 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 | 4.7102% | 1,820 |
| Cost of funding earning assets | 1.1830% | 1,498 |
| Net interest margin | 3.5272% | 2,295 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.6270% | 1,881 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8566% | 2,998 |
| Return on assets (ROA) | 0.8613% | 2,933 |
| Pretax return on assets | 1.0479% | 2,863 |
| Return on Equity (ROE) | 14.5400% | 1,654 |
| Retained earnings to average equity (ytd only) | -1.4545% | 4,163 |
| Net charge-offs to loans | -0.0614% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.0404% | 1,638 |
| Assets per employee ($millions) | 5.5778% | 3,135 |
| Cash dividends to net income (ytd only)* | 110.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 371 |
| Loan loss allowance to noncurrent loans | 100.8696% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 623 |
| Noncurrent loans to loans | 2.1007% | 259 |
| Net loans and leases to total assets | 34.5800% | 4,247 |
| Net loans and leases to deposits | 37.0656% | 4,291 |
| Net loans and leases to core deposits | 39.3399% | 4,287 |
| Total domestic deposits to total assets | 93.3000% | 256 |
| Equity capital to assets | 5.9478% | 4,222 |
| Core capital (leverage) ratio | 9.0762% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9091% | 861 |
| Memoranda: | ||
| Average total assets | $139,322,500 | 3,526 |
| Average earning assets | $128,488,000 | 3,524 |
| Average equity | $8,250,500 | 3,976 |
| Average total loans | $52,092,500 | 3,878 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 2,337 |
| Cost of funding earning assets | 0.4936% | 1,433 |
| Net interest margin | 3.2851% | 2,605 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.5447% | 1,980 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7991% | 3,331 |
| Return on assets (ROA) | 0.8059% | 3,232 |
| Pretax return on assets | 0.9386% | 3,249 |
| Return on Equity (ROE) | 11.5500% | 2,286 |
| Retained earnings to average equity (ytd only) | 2.4099% | 3,882 |
| Net charge-offs to loans | 0.0785% | 862 |
| Credit loss provision to net charge-offs | 66.6667% | 1,741 |
| Earnings coverage of net charge-offs (x) | 29.2000% | 1,699 |
| Efficiency ratio | 72.7668% | 1,354 |
| Assets per employee ($millions) | 5.3538% | 3,367 |
| Cash dividends to net income (ytd only)* | 79.1367% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 572 |
| Loan loss allowance to noncurrent loans | 110.4413% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 689 |
| Noncurrent loans to loans | 1.6917% | 368 |
| Net loans and leases to total assets | 38.7100% | 4,116 |
| Net loans and leases to deposits | 41.4633% | 4,201 |
| Net loans and leases to core deposits | 44.3553% | 4,167 |
| Total domestic deposits to total assets | 93.3700% | 332 |
| Equity capital to assets | 5.8959% | 4,134 |
| Core capital (leverage) ratio | 9.7949% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2068% | 952 |
| Memoranda: | ||
| Average total assets | $137,974,800 | 3,552 |
| Average earning assets | $127,636,000 | 3,551 |
| Average equity | $9,627,000 | 3,913 |
| Average total loans | $57,306,600 | 3,783 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 2,179 |
| Cost of funding earning assets | 0.3923% | 1,346 |
| Net interest margin | 3.2635% | 2,411 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.5016% | 2,012 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7610% | 3,384 |
| Return on assets (ROA) | 0.7738% | 3,297 |
| Pretax return on assets | 0.9327% | 3,228 |
| Return on Equity (ROE) | 10.6700% | 2,514 |
| Retained earnings to average equity (ytd only) | -1.0819% | 4,428 |
| Net charge-offs to loans | 0.0345% | 1,169 |
| Credit loss provision to net charge-offs | 200.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 65.1333% | 1,129 |
| Efficiency ratio | 72.5562% | 1,439 |
| Assets per employee ($millions) | 5.1065% | 3,584 |
| Cash dividends to net income (ytd only)* | 110.1377% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 559 |
| Loan loss allowance to noncurrent loans | 166.5615% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 597 |
| Noncurrent loans to loans | 1.1652% | 633 |
| Net loans and leases to total assets | 40.1800% | 4,065 |
| Net loans and leases to deposits | 42.8229% | 4,157 |
| Net loans and leases to core deposits | 46.2355% | 4,096 |
| Total domestic deposits to total assets | 93.8400% | 383 |
| Equity capital to assets | 5.2655% | 4,200 |
| Core capital (leverage) ratio | 9.0077% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0773% | 975 |
| Memoranda: | ||
| Average total assets | $137,668,750 | 3,576 |
| Average earning assets | $127,466,500 | 3,579 |
| Average equity | $9,982,000 | 3,919 |
| Average total loans | $57,904,500 | 3,785 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 2,248 |
| Cost of funding earning assets | 0.3196% | 1,532 |
| Net interest margin | 3.1423% | 2,395 |
| Noninterest income to average assets | 0.4192% | 2,634 |
| Noninterest expense to average assets | 2.4422% | 2,109 |
| Loan and lease loss provision to assets | 0.0431% | 1,793 |
| Net operating income to assets | 0.7124% | 3,267 |
| Return on assets (ROA) | 0.7136% | 3,215 |
| Pretax return on assets | 0.8571% | 3,182 |
| Return on Equity (ROE) | 9.0536% | 2,684 |
| Retained earnings to average equity (ytd only) | -0.9655% | 4,292 |
| Net charge-offs to loans | 0.0440% | 947 |
| Credit loss provision to net charge-offs | 230.7692% | 906 |
| Earnings coverage of net charge-offs (x) | 48.1538% | 1,176 |
| Efficiency ratio | 73.0984% | 1,609 |
| Assets per employee ($millions) | 5.4794% | 3,254 |
| Cash dividends to net income (ytd only)* | 110.6640% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0687% | 479 |
| Loan loss allowance to noncurrent loans | 261.2346% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6534% | 840 |
| Noncurrent loans to loans | 0.7919% | 1,084 |
| Net loans and leases to total assets | 36.5629% | 4,225 |
| Net loans and leases to deposits | 39.1722% | 4,297 |
| Net loans and leases to core deposits | 42.5594% | 4,244 |
| Total domestic deposits to total assets | 93.3387% | 425 |
| Equity capital to assets | 5.8575% | 4,250 |
| Core capital (leverage) ratio | 9.1952% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0951% | 978 |
| Memoranda: | ||
| Average total assets | $139,302,000 | 3,603 |
| Average earning assets | $129,523,000 | 3,605 |
| Average equity | $10,979,000 | 3,893 |
| Average total loans | $59,069,667 | 3,798 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 1,966 |
| Cost of funding earning assets | 0.2892% | 1,747 |
| Net interest margin | 3.1540% | 2,009 |
| Noninterest income to average assets | 0.4215% | 2,549 |
| Noninterest expense to average assets | 2.4149% | 2,110 |
| Loan and lease loss provision to assets | 0.0854% | 975 |
| Net operating income to assets | 0.7233% | 2,969 |
| Return on assets (ROA) | 0.7233% | 2,960 |
| Pretax return on assets | 0.8714% | 2,883 |
| Return on Equity (ROE) | 8.1564% | 2,624 |
| Retained earnings to average equity (ytd only) | -9.5051% | 4,552 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 2,026 |
| Assets per employee ($millions) | 5.3770% | 3,418 |
| Cash dividends to net income (ytd only)* | 216.5354% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 689 |
| Loan loss allowance to noncurrent loans | 46.7686% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 2.0078% | 141 |
| Noncurrent loans to loans | 4.1457% | 91 |
| Net loans and leases to total assets | 38.7452% | 4,081 |
| Net loans and leases to deposits | 42.3723% | 4,148 |
| Net loans and leases to core deposits | 45.1617% | 4,115 |
| Total domestic deposits to total assets | 91.4401% | 837 |
| Equity capital to assets | 7.9712% | 3,595 |
| Core capital (leverage) ratio | 8.6104% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4399% | 1,159 |
| Memoranda: | ||
| Average total assets | $140,460,000 | 3,613 |
| Average earning assets | $131,387,500 | 3,599 |
| Average equity | $12,456,500 | 3,817 |
| Average total loans | $63,032,500 | 3,743 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7220% | 2,050 |
| Cost of funding earning assets | 0.3344% | 2,073 |
| Net interest margin | 3.3876% | 2,071 |
| Noninterest income to average assets | 0.8343% | 1,361 |
| Noninterest expense to average assets | 2.5741% | 1,940 |
| Loan and lease loss provision to assets | 0.1780% | 647 |
| Net operating income to assets | 1.0026% | 2,657 |
| Return on assets (ROA) | 1.0086% | 2,707 |
| Pretax return on assets | 1.2452% | 2,535 |
| Return on Equity (ROE) | 9.9640% | 2,534 |
| Retained earnings to average equity (ytd only) | 4.5790% | 2,978 |
| Net charge-offs to loans | 0.0044% | 2,446 |
| Credit loss provision to net charge-offs | 8,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 636.3333% | 228 |
| Efficiency ratio | 64.5167% | 2,475 |
| Assets per employee ($millions) | 5.4276% | 3,328 |
| Cash dividends to net income (ytd only)* | 54.0441% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,661 |
| Loan loss allowance to noncurrent loans | 40.0231% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.2173% | 132 |
| Noncurrent loans to loans | 3.6723% | 129 |
| Net loans and leases to total assets | 49.4526% | 3,352 |
| Net loans and leases to deposits | 55.4447% | 3,470 |
| Net loans and leases to core deposits | 58.2769% | 3,448 |
| Total domestic deposits to total assets | 89.1927% | 1,422 |
| Equity capital to assets | 9.7572% | 2,888 |
| Core capital (leverage) ratio | 9.3258% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7644% | 1,593 |
| Memoranda: | ||
| Average total assets | $134,840,800 | 3,633 |
| Average earning assets | $125,605,000 | 3,622 |
| Average equity | $13,649,200 | 3,777 |
| Average total loans | $68,861,200 | 3,672 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 2,230 |
| Cost of funding earning assets | 0.3461% | 2,154 |
| Net interest margin | 3.3701% | 2,236 |
| Noninterest income to average assets | 0.9684% | 1,121 |
| Noninterest expense to average assets | 2.5081% | 2,098 |
| Loan and lease loss provision to assets | 0.1898% | 556 |
| Net operating income to assets | 1.0905% | 2,592 |
| Return on assets (ROA) | 1.0945% | 2,634 |
| Pretax return on assets | 1.4116% | 2,288 |
| Return on Equity (ROE) | 10.7101% | 2,476 |
| Retained earnings to average equity (ytd only) | 4.1313% | 3,534 |
| Net charge-offs to loans | 0.0039% | 2,206 |
| Credit loss provision to net charge-offs | 9,500.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 798.0000% | 200 |
| Efficiency ratio | 61.1016% | 2,820 |
| Assets per employee ($millions) | 5.5349% | 3,157 |
| Cash dividends to net income (ytd only)* | 61.4260% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,783 |
| Loan loss allowance to noncurrent loans | 109.9778% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 584 |
| Noncurrent loans to loans | 1.3260% | 810 |
| Net loans and leases to total assets | 50.4633% | 3,354 |
| Net loans and leases to deposits | 57.1680% | 3,475 |
| Net loans and leases to core deposits | 61.4067% | 3,370 |
| Total domestic deposits to total assets | 88.2721% | 1,672 |
| Equity capital to assets | 10.4587% | 2,481 |
| Core capital (leverage) ratio | 9.2230% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4137% | 1,514 |
| Memoranda: | ||
| Average total assets | $133,271,750 | 3,683 |
| Average earning assets | $124,028,500 | 3,675 |
| Average equity | $13,619,250 | 3,825 |
| Average total loans | $68,369,750 | 3,736 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 2,453 |
| Cost of funding earning assets | 0.3575% | 2,252 |
| Net interest margin | 3.2981% | 2,442 |
| Noninterest income to average assets | 1.1828% | 817 |
| Noninterest expense to average assets | 2.4135% | 2,419 |
| Loan and lease loss provision to assets | 0.2249% | 467 |
| Net operating income to assets | 1.2314% | 2,077 |
| Return on assets (ROA) | 1.2337% | 2,134 |
| Pretax return on assets | 1.6175% | 1,689 |
| Return on Equity (ROE) | 12.1674% | 1,990 |
| Retained earnings to average equity (ytd only) | 7.2590% | 2,340 |
| Net charge-offs to loans | 0.0088% | 1,810 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 308 |
| Efficiency ratio | 56.7501% | 3,440 |
| Assets per employee ($millions) | 5.0982% | 3,562 |
| Cash dividends to net income (ytd only)* | 40.3402% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,963 |
| Loan loss allowance to noncurrent loans | 81.4212% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3149% | 487 |
| Noncurrent loans to loans | 1.7248% | 609 |
| Net loans and leases to total assets | 50.3700% | 3,523 |
| Net loans and leases to deposits | 57.0604% | 3,631 |
| Net loans and leases to core deposits | 61.2969% | 3,522 |
| Total domestic deposits to total assets | 88.2749% | 1,683 |
| Equity capital to assets | 10.4554% | 2,430 |
| Core capital (leverage) ratio | 9.1788% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7068% | 1,415 |
| Memoranda: | ||
| Average total assets | $133,416,667 | 3,698 |
| Average earning assets | $124,194,333 | 3,687 |
| Average equity | $13,528,000 | 3,840 |
| Average total loans | $68,484,333 | 3,754 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6112% | 2,603 |
| Cost of funding earning assets | 0.3817% | 2,244 |
| Net interest margin | 3.2296% | 2,606 |
| Noninterest income to average assets | 0.8069% | 1,567 |
| Noninterest expense to average assets | 2.4954% | 2,187 |
| Loan and lease loss provision to assets | 0.1793% | 690 |
| Net operating income to assets | 0.9583% | 2,941 |
| Return on assets (ROA) | 0.9533% | 3,053 |
| Pretax return on assets | 1.1356% | 3,027 |
| Return on Equity (ROE) | 9.5491% | 2,839 |
| Retained earnings to average equity (ytd only) | -0.3891% | 4,397 |
| Net charge-offs to loans | -0.0058% | 3,451 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3876% | 2,318 |
| Assets per employee ($millions) | 5.1916% | 3,442 |
| Cash dividends to net income (ytd only)* | 104.0752% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,343 |
| Loan loss allowance to noncurrent loans | 29.6233% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.5826% | 148 |
| Noncurrent loans to loans | 4.4588% | 111 |
| Net loans and leases to total assets | 47.8764% | 3,833 |
| Net loans and leases to deposits | 53.6762% | 3,960 |
| Net loans and leases to core deposits | 57.3992% | 3,883 |
| Total domestic deposits to total assets | 89.1948% | 1,245 |
| Equity capital to assets | 9.6762% | 3,032 |
| Core capital (leverage) ratio | 8.7726% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1451% | 1,526 |
| Memoranda: | ||
| Average total assets | $133,848,500 | 3,700 |
| Average earning assets | $124,721,500 | 3,681 |
| Average equity | $13,362,500 | 3,861 |
| Average total loans | $68,867,500 | 3,763 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2073% | 2,116 |
| Cost of funding earning assets | 0.5986% | 2,325 |
| Net interest margin | 3.6087% | 2,116 |
| Noninterest income to average assets | 0.6126% | 2,171 |
| Noninterest expense to average assets | 2.7575% | 2,045 |
| Loan and lease loss provision to assets | 0.2428% | 1,600 |
| Net operating income to assets | 0.8124% | 3,043 |
| Return on assets (ROA) | 1.0184% | 2,363 |
| Pretax return on assets | 1.2056% | 2,304 |
| Return on Equity (ROE) | 10.1769% | 1,944 |
| Retained earnings to average equity (ytd only) | 3.9925% | 2,831 |
| Net charge-offs to loans | 0.2183% | 796 |
| Credit loss provision to net charge-offs | 205.2980% | 2,139 |
| Earnings coverage of net charge-offs (x) | 10.1722% | 2,483 |
| Efficiency ratio | 69.6203% | 2,001 |
| Assets per employee ($millions) | 5.1045% | 3,278 |
| Cash dividends to net income (ytd only)* | 60.7692% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,401 |
| Loan loss allowance to noncurrent loans | 41.9843% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.8747% | 317 |
| Noncurrent loans to loans | 2.6507% | 368 |
| Net loans and leases to total assets | 53.8307% | 3,500 |
| Net loans and leases to deposits | 60.8779% | 3,689 |
| Net loans and leases to core deposits | 65.8033% | 3,559 |
| Total domestic deposits to total assets | 88.4242% | 1,265 |
| Equity capital to assets | 10.2957% | 2,842 |
| Core capital (leverage) ratio | 9.1248% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4118% | 1,712 |
| Memoranda: | ||
| Average total assets | $127,651,600 | 3,660 |
| Average earning assets | $118,437,200 | 3,639 |
| Average equity | $12,774,000 | 3,885 |
| Average total loans | $69,161,400 | 3,753 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 2,416 |
| Cost of funding earning assets | 0.6521% | 2,316 |
| Net interest margin | 3.5414% | 2,452 |
| Noninterest income to average assets | 0.6404% | 2,020 |
| Noninterest expense to average assets | 2.7756% | 2,034 |
| Loan and lease loss provision to assets | 0.1582% | 2,427 |
| Net operating income to assets | 0.8186% | 3,023 |
| Return on assets (ROA) | 1.0760% | 2,192 |
| Pretax return on assets | 1.2997% | 2,048 |
| Return on Equity (ROE) | 10.8351% | 1,737 |
| Retained earnings to average equity (ytd only) | 2.7088% | 3,649 |
| Net charge-offs to loans | 0.0604% | 1,740 |
| Credit loss provision to net charge-offs | 483.8710% | 1,314 |
| Earnings coverage of net charge-offs (x) | 35.0968% | 1,463 |
| Efficiency ratio | 70.7448% | 1,781 |
| Assets per employee ($millions) | 4.9888% | 3,263 |
| Cash dividends to net income (ytd only)* | 75.0000% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,632 |
| Loan loss allowance to noncurrent loans | 43.0665% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 416 |
| Noncurrent loans to loans | 2.3595% | 467 |
| Net loans and leases to total assets | 57.3769% | 3,482 |
| Net loans and leases to deposits | 66.1050% | 3,612 |
| Net loans and leases to core deposits | 73.3781% | 3,366 |
| Total domestic deposits to total assets | 86.7966% | 1,736 |
| Equity capital to assets | 10.2445% | 3,016 |
| Core capital (leverage) ratio | 8.9764% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6959% | 1,926 |
| Memoranda: | ||
| Average total assets | $126,385,500 | 3,663 |
| Average earning assets | $117,163,750 | 3,648 |
| Average equity | $12,551,500 | 3,915 |
| Average total loans | $68,420,000 | 3,783 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,590 |
| Cost of funding earning assets | 0.7201% | 2,291 |
| Net interest margin | 3.5369% | 2,684 |
| Noninterest income to average assets | 0.7711% | 1,517 |
| Noninterest expense to average assets | 2.9215% | 1,781 |
| Loan and lease loss provision to assets | 0.1916% | 2,113 |
| Net operating income to assets | 0.7728% | 3,148 |
| Return on assets (ROA) | 1.1079% | 2,064 |
| Pretax return on assets | 1.3442% | 1,886 |
| Return on Equity (ROE) | 11.2791% | 1,549 |
| Retained earnings to average equity (ytd only) | 4.6481% | 2,641 |
| Net charge-offs to loans | 0.0393% | 1,955 |
| Credit loss provision to net charge-offs | 923.0769% | 836 |
| Earnings coverage of net charge-offs (x) | 54.3077% | 1,046 |
| Efficiency ratio | 72.1609% | 1,658 |
| Assets per employee ($millions) | 5.0513% | 3,111 |
| Cash dividends to net income (ytd only)* | 58.7896% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,117 |
| Loan loss allowance to noncurrent loans | 80.4278% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 960 |
| Noncurrent loans to loans | 1.3567% | 1,135 |
| Net loans and leases to total assets | 51.9032% | 4,034 |
| Net loans and leases to deposits | 58.4724% | 4,196 |
| Net loans and leases to core deposits | 63.4391% | 4,105 |
| Total domestic deposits to total assets | 88.7652% | 836 |
| Equity capital to assets | 9.9678% | 3,236 |
| Core capital (leverage) ratio | 9.1052% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5422% | 1,617 |
| Memoranda: | ||
| Average total assets | $125,277,667 | 3,660 |
| Average earning assets | $116,089,667 | 3,647 |
| Average equity | $12,306,000 | 3,946 |
| Average total loans | $66,164,333 | 3,831 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 2,560 |
| Cost of funding earning assets | 0.8763% | 1,984 |
| Net interest margin | 3.5406% | 2,849 |
| Noninterest income to average assets | 0.5072% | 2,514 |
| Noninterest expense to average assets | 2.8434% | 2,296 |
| Loan and lease loss provision to assets | 0.0982% | 2,455 |
| Net operating income to assets | 0.6732% | 3,355 |
| Return on assets (ROA) | 1.3350% | 1,237 |
| Pretax return on assets | 1.6818% | 884 |
| Return on Equity (ROE) | 13.6987% | 760 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,988 |
| Net charge-offs to loans | 0.0679% | 1,347 |
| Credit loss provision to net charge-offs | 272.7273% | 1,240 |
| Earnings coverage of net charge-offs (x) | 26.1818% | 1,263 |
| Efficiency ratio | 75.1080% | 1,674 |
| Assets per employee ($millions) | 6.4489% | 1,373 |
| Cash dividends to net income (ytd only)* | 100.0000% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,337 |
| Loan loss allowance to noncurrent loans | 39.8082% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.8445% | 482 |
| Noncurrent loans to loans | 2.6969% | 426 |
| Net loans and leases to total assets | 49.9343% | 4,245 |
| Net loans and leases to deposits | 55.7353% | 4,378 |
| Net loans and leases to core deposits | 60.6178% | 4,329 |
| Total domestic deposits to total assets | 89.5919% | 448 |
| Equity capital to assets | 9.4761% | 4,239 |
| Core capital (leverage) ratio | 9.1821% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0837% | 1,582 |
| Memoranda: | ||
| Average total assets | $122,250,000 | 3,675 |
| Average earning assets | $113,200,000 | 3,661 |
| Average equity | $11,913,500 | 4,005 |
| Average total loans | $64,787,500 | 3,866 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 1,746 |
| Cost of funding earning assets | 1.0871% | 1,377 |
| Net interest margin | 3.8130% | 2,461 |
| Noninterest income to average assets | 0.5145% | 2,649 |
| Noninterest expense to average assets | 2.9100% | 2,265 |
| Loan and lease loss provision to assets | 0.1118% | 1,872 |
| Net operating income to assets | 0.8160% | 3,510 |
| Return on assets (ROA) | 0.8573% | 3,454 |
| Pretax return on assets | 1.0173% | 3,426 |
| Return on Equity (ROE) | 8.4767% | 2,951 |
| Retained earnings to average equity (ytd only) | 3.5327% | 3,235 |
| Net charge-offs to loans | 0.0482% | 2,431 |
| Credit loss provision to net charge-offs | 410.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 39.6000% | 1,324 |
| Efficiency ratio | 72.9323% | 1,747 |
| Assets per employee ($millions) | 4.6912% | 2,958 |
| Cash dividends to net income (ytd only)* | 58.3245% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 3,733 |
| Loan loss allowance to noncurrent loans | 67.1176% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 936 |
| Noncurrent loans to loans | 1.4189% | 1,036 |
| Net loans and leases to total assets | 54.9983% | 4,000 |
| Net loans and leases to deposits | 61.7726% | 4,203 |
| Net loans and leases to core deposits | 66.3265% | 4,174 |
| Total domestic deposits to total assets | 89.0335% | 656 |
| Equity capital to assets | 10.0155% | 3,901 |
| Core capital (leverage) ratio | 9.4018% | 4,168 |
| Tier 1 risk-based capital ratio | 15.6105% | 2,539 |
| Total risk-based capital ratio | 16.4966% | 2,613 |
| Memoranda: | ||
| Average total assets | $110,000,000 | 3,834 |
| Average earning assets | $100,263,000 | 3,865 |
| Average equity | $11,124,600 | 4,108 |
| Average total loans | $62,297,400 | 3,942 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 1,641 |
| Cost of funding earning assets | 1.1351% | 1,222 |
| Net interest margin | 3.8284% | 2,508 |
| Noninterest income to average assets | 0.5246% | 2,582 |
| Noninterest expense to average assets | 2.8969% | 2,272 |
| Loan and lease loss provision to assets | 0.1258% | 1,547 |
| Net operating income to assets | 0.7908% | 3,702 |
| Return on assets (ROA) | 0.8473% | 3,606 |
| Pretax return on assets | 1.0429% | 3,467 |
| Return on Equity (ROE) | 8.3548% | 3,173 |
| Retained earnings to average equity (ytd only) | 2.2115% | 4,199 |
| Net charge-offs to loans | 0.0109% | 2,975 |
| Credit loss provision to net charge-offs | 2,020.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 176.3073% | 484 |
| Efficiency ratio | 72.4977% | 1,762 |
| Assets per employee ($millions) | 4.7300% | 2,874 |
| Cash dividends to net income (ytd only)* | 73.5297% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 3,894 |
| Loan loss allowance to noncurrent loans | 69.4952% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2812% | 952 |
| Noncurrent loans to loans | 1.3471% | 1,138 |
| Net loans and leases to total assets | 57.8990% | 3,887 |
| Net loans and leases to deposits | 65.2097% | 4,115 |
| Net loans and leases to core deposits | 72.3869% | 3,922 |
| Total domestic deposits to total assets | 88.7889% | 693 |
| Equity capital to assets | 10.1861% | 3,838 |
| Core capital (leverage) ratio | 9.7236% | 3,938 |
| Tier 1 risk-based capital ratio | 15.6816% | 2,569 |
| Total risk-based capital ratio | 16.5473% | 2,650 |
| Memoranda: | ||
| Average total assets | $107,007,250 | 3,912 |
| Average earning assets | $97,026,500 | 3,962 |
| Average equity | $10,851,750 | 4,181 |
| Average total loans | $60,940,000 | 4,008 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 1,871 |
| Cost of funding earning assets | 1.1511% | 1,136 |
| Net interest margin | 3.7115% | 2,898 |
| Noninterest income to average assets | 0.5171% | 2,582 |
| Noninterest expense to average assets | 2.8220% | 2,513 |
| Loan and lease loss provision to assets | 0.1511% | 1,210 |
| Net operating income to assets | 0.7277% | 3,905 |
| Return on assets (ROA) | 0.7341% | 3,945 |
| Pretax return on assets | 0.8929% | 3,867 |
| Return on Equity (ROE) | 7.2508% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.9462% | 3,742 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1426% | 1,756 |
| Assets per employee ($millions) | 5.0496% | 2,417 |
| Cash dividends to net income (ytd only)* | 59.3668% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,761 |
| Loan loss allowance to noncurrent loans | 121.6216% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 1,608 |
| Noncurrent loans to loans | 0.8012% | 1,993 |
| Net loans and leases to total assets | 50.7125% | 4,432 |
| Net loans and leases to deposits | 56.5409% | 4,574 |
| Net loans and leases to core deposits | 62.5772% | 4,476 |
| Total domestic deposits to total assets | 89.6918% | 417 |
| Equity capital to assets | 9.4250% | 4,480 |
| Core capital (leverage) ratio | 10.1424% | 3,454 |
| Tier 1 risk-based capital ratio | 11.3236% | 4,779 |
| Total risk-based capital ratio | 11.9341% | 4,955 |
| Memoranda: | ||
| Average total assets | $103,260,000 | 4,013 |
| Average earning assets | $92,954,670 | 4,058 |
| Average equity | $10,454,000 | 4,241 |
| Average total loans | $58,216,000 | 4,088 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 1,850 |
| Cost of funding earning assets | 1.1095% | 1,156 |
| Net interest margin | 3.7094% | 2,857 |
| Noninterest income to average assets | 0.4751% | 2,706 |
| Noninterest expense to average assets | 2.8724% | 2,351 |
| Loan and lease loss provision to assets | 0.1003% | 1,753 |
| Net operating income to assets | 0.7773% | 3,693 |
| Return on assets (ROA) | 0.7846% | 3,718 |
| Pretax return on assets | 0.9502% | 3,612 |
| Return on Equity (ROE) | 7.3983% | 3,500 |
| Retained earnings to average equity (ytd only) | -1.8496% | 4,734 |
| Net charge-offs to loans | -0.0145% | 4,368 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3853% | 1,828 |
| Assets per employee ($millions) | 4.7321% | 2,875 |
| Cash dividends to net income (ytd only)* | 125.0000% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,245 |
| Loan loss allowance to noncurrent loans | 77.7328% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4737% | 819 |
| Noncurrent loans to loans | 1.3873% | 1,166 |
| Net loans and leases to total assets | 58.7672% | 3,806 |
| Net loans and leases to deposits | 70.7739% | 3,711 |
| Net loans and leases to core deposits | 79.4685% | 3,413 |
| Total domestic deposits to total assets | 83.0351% | 3,372 |
| Equity capital to assets | 10.9433% | 2,913 |
| Core capital (leverage) ratio | 11.1202% | 2,454 |
| Tier 1 risk-based capital ratio | 16.8953% | 2,138 |
| Total risk-based capital ratio | 17.8709% | 2,178 |
| Memoranda: | ||
| Average total assets | $91,770,500 | 4,232 |
| Average earning assets | $85,080,000 | 4,243 |
| Average equity | $9,732,000 | 4,363 |
| Average total loans | $54,999,500 | 4,186 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 1,699 |
| Cost of funding earning assets | 0.9243% | 1,009 |
| Net interest margin | 3.8188% | 2,597 |
| Noninterest income to average assets | 0.5852% | 2,372 |
| Noninterest expense to average assets | 2.8191% | 2,626 |
| Loan and lease loss provision to assets | 0.0669% | 2,817 |
| Net operating income to assets | 0.9743% | 3,124 |
| Return on assets (ROA) | 0.9743% | 3,122 |
| Pretax return on assets | 1.2362% | 2,752 |
| Return on Equity (ROE) | 9.2844% | 2,844 |
| Retained earnings to average equity (ytd only) | 4.5041% | 3,048 |
| Net charge-offs to loans | 0.0202% | 3,026 |
| Credit loss provision to net charge-offs | 545.4545% | 638 |
| Earnings coverage of net charge-offs (x) | 106.2727% | 714 |
| Efficiency ratio | 68.3883% | 2,484 |
| Assets per employee ($millions) | 4.9280% | 2,585 |
| Cash dividends to net income (ytd only)* | 51.4874% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,836 |
| Loan loss allowance to noncurrent loans | 102.2222% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 1,131 |
| Noncurrent loans to loans | 0.9543% | 1,690 |
| Net loans and leases to total assets | 59.8449% | 3,796 |
| Net loans and leases to deposits | 72.5134% | 3,625 |
| Net loans and leases to core deposits | 83.9649% | 3,096 |
| Total domestic deposits to total assets | 82.5295% | 3,471 |
| Equity capital to assets | 10.2796% | 3,397 |
| Core capital (leverage) ratio | 10.8094% | 2,730 |
| Tier 1 risk-based capital ratio | 16.3013% | 2,307 |
| Total risk-based capital ratio | 17.2003% | 2,365 |
| Memoranda: | ||
| Average total assets | $89,709,000 | 4,274 |
| Average earning assets | $83,089,600 | 4,265 |
| Average equity | $9,413,600 | 4,397 |
| Average total loans | $54,443,400 | 4,219 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 1,691 |
| Cost of funding earning assets | 0.8378% | 1,159 |
| Net interest margin | 3.8576% | 2,447 |
| Noninterest income to average assets | 0.5755% | 2,445 |
| Noninterest expense to average assets | 2.8310% | 2,526 |
| Loan and lease loss provision to assets | 0.0676% | 2,628 |
| Net operating income to assets | 0.9963% | 3,099 |
| Return on assets (ROA) | 0.9963% | 3,112 |
| Pretax return on assets | 1.2472% | 2,819 |
| Return on Equity (ROE) | 9.4435% | 2,878 |
| Retained earnings to average equity (ytd only) | 3.0338% | 4,221 |
| Net charge-offs to loans | 0.0272% | 2,565 |
| Credit loss provision to net charge-offs | 409.0909% | 811 |
| Earnings coverage of net charge-offs (x) | 79.5256% | 880 |
| Efficiency ratio | 68.2856% | 2,488 |
| Assets per employee ($millions) | 4.9271% | 2,560 |
| Cash dividends to net income (ytd only)* | 67.8737% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 4,132 |
| Loan loss allowance to noncurrent loans | 46.3668% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8234% | 626 |
| Noncurrent loans to loans | 2.0079% | 728 |
| Net loans and leases to total assets | 60.9261% | 3,754 |
| Net loans and leases to deposits | 81.7451% | 2,847 |
| Net loans and leases to core deposits | 97.6878% | 1,965 |
| Total domestic deposits to total assets | 74.5319% | 4,932 |
| Equity capital to assets | 9.8243% | 3,801 |
| Core capital (leverage) ratio | 10.4541% | 3,127 |
| Tier 1 risk-based capital ratio | 15.4204% | 2,679 |
| Total risk-based capital ratio | 16.2779% | 2,791 |
| Memoranda: | ||
| Average total assets | $88,728,250 | 4,333 |
| Average earning assets | $82,121,500 | 4,324 |
| Average equity | $9,360,750 | 4,444 |
| Average total loans | $53,907,750 | 4,273 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 1,919 |
| Cost of funding earning assets | 0.7583% | 1,331 |
| Net interest margin | 3.7967% | 2,574 |
| Noninterest income to average assets | 0.5947% | 2,348 |
| Noninterest expense to average assets | 2.8657% | 2,448 |
| Loan and lease loss provision to assets | 0.0689% | 2,502 |
| Net operating income to assets | 0.9598% | 3,194 |
| Return on assets (ROA) | 0.9598% | 3,199 |
| Pretax return on assets | 1.1780% | 3,019 |
| Return on Equity (ROE) | 8.8791% | 3,078 |
| Retained earnings to average equity (ytd only) | 4.0997% | 3,557 |
| Net charge-offs to loans | 0.0645% | 1,700 |
| Credit loss provision to net charge-offs | 176.4706% | 1,411 |
| Earnings coverage of net charge-offs (x) | 31.9412% | 1,445 |
| Efficiency ratio | 69.6817% | 2,370 |
| Assets per employee ($millions) | 4.5546% | 3,044 |
| Cash dividends to net income (ytd only)* | 53.8278% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 4,110 |
| Loan loss allowance to noncurrent loans | 105.1020% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 1,350 |
| Noncurrent loans to loans | 0.9051% | 1,910 |
| Net loans and leases to total assets | 58.8686% | 3,913 |
| Net loans and leases to deposits | 73.5432% | 3,574 |
| Net loans and leases to core deposits | 87.4580% | 2,773 |
| Total domestic deposits to total assets | 80.0463% | 4,229 |
| Equity capital to assets | 10.3677% | 3,258 |
| Core capital (leverage) ratio | 11.1110% | 2,429 |
| Tier 1 risk-based capital ratio | 16.1477% | 2,389 |
| Total risk-based capital ratio | 16.9998% | 2,478 |
| Memoranda: | ||
| Average total assets | $87,099,330 | 4,396 |
| Average earning assets | $80,702,330 | 4,388 |
| Average equity | $9,415,330 | 4,471 |
| Average total loans | $52,686,330 | 4,332 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 1,825 |
| Cost of funding earning assets | 0.7101% | 1,386 |
| Net interest margin | 3.8039% | 2,412 |
| Noninterest income to average assets | 0.6345% | 2,106 |
| Noninterest expense to average assets | 2.9564% | 2,190 |
| Loan and lease loss provision to assets | 0.0705% | 2,353 |
| Net operating income to assets | 0.9259% | 3,178 |
| Return on assets (ROA) | 0.9259% | 3,198 |
| Pretax return on assets | 1.1327% | 3,038 |
| Return on Equity (ROE) | 8.3821% | 3,201 |
| Retained earnings to average equity (ytd only) | -1.1914% | 4,931 |
| Net charge-offs to loans | 0.0539% | 1,566 |
| Credit loss provision to net charge-offs | 214.2857% | 997 |
| Earnings coverage of net charge-offs (x) | 36.5714% | 1,116 |
| Efficiency ratio | 71.0734% | 2,320 |
| Assets per employee ($millions) | 4.2440% | 3,574 |
| Cash dividends to net income (ytd only)* | 114.2132% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,854 |
| Loan loss allowance to noncurrent loans | 255.0000% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 1,885 |
| Noncurrent loans to loans | 0.3991% | 3,353 |
| Net loans and leases to total assets | 58.4354% | 3,901 |
| Net loans and leases to deposits | 66.0858% | 4,084 |
| Net loans and leases to core deposits | 77.8699% | 3,500 |
| Total domestic deposits to total assets | 88.4237% | 1,396 |
| Equity capital to assets | 10.8918% | 2,688 |
| Core capital (leverage) ratio | 11.0096% | 2,428 |
| Tier 1 risk-based capital ratio | 17.0583% | 2,100 |
| Total risk-based capital ratio | 17.9711% | 2,149 |
| Memoranda: | ||
| Average total assets | $85,103,500 | 4,473 |
| Average earning assets | $78,866,500 | 4,469 |
| Average equity | $9,401,000 | 4,519 |
| Average total loans | $51,960,000 | 4,395 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6875% | 1,231 |
| Cost of funding earning assets | 0.5933% | 1,646 |
| Net interest margin | 4.0942% | 1,462 |
| Noninterest income to average assets | 0.6249% | 2,332 |
| Noninterest expense to average assets | 3.0180% | 2,119 |
| Loan and lease loss provision to assets | 0.0742% | 2,719 |
| Net operating income to assets | 1.0627% | 2,006 |
| Return on assets (ROA) | 1.0567% | 2,053 |
| Pretax return on assets | 1.3079% | 2,314 |
| Return on Equity (ROE) | 9.1800% | 2,224 |
| Retained earnings to average equity (ytd only) | 3.2141% | 3,379 |
| Net charge-offs to loans | 0.0075% | 3,807 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 280.7500% | 302 |
| Efficiency ratio | 68.4728% | 2,800 |
| Assets per employee ($millions) | 4.2664% | 3,549 |
| Cash dividends to net income (ytd only)* | 64.9883% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,303 |
| Loan loss allowance to noncurrent loans | 176.1404% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 1,746 |
| Noncurrent loans to loans | 0.5296% | 2,920 |
| Net loans and leases to total assets | 62.4749% | 3,556 |
| Net loans and leases to deposits | 71.0177% | 3,788 |
| Net loans and leases to core deposits | 83.3719% | 3,120 |
| Total domestic deposits to total assets | 87.9710% | 1,518 |
| Equity capital to assets | 11.2004% | 2,429 |
| Core capital (leverage) ratio | 11.5474% | 1,914 |
| Tier 1 risk-based capital ratio | 16.7529% | 2,176 |
| Total risk-based capital ratio | 17.6306% | 2,242 |
| Memoranda: | ||
| Average total assets | $80,815,800 | 4,574 |
| Average earning assets | $74,666,400 | 4,571 |
| Average equity | $9,302,800 | 4,562 |
| Average total loans | $53,025,400 | 4,385 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,182 |
| Cost of funding earning assets | 0.5564% | 1,840 |
| Net interest margin | 4.1247% | 1,327 |
| Noninterest income to average assets | 0.6325% | 2,302 |
| Noninterest expense to average assets | 3.0284% | 2,033 |
| Loan and lease loss provision to assets | 0.0753% | 2,563 |
| Net operating income to assets | 0.9659% | 2,704 |
| Return on assets (ROA) | 0.9587% | 2,786 |
| Pretax return on assets | 1.3268% | 2,375 |
| Return on Equity (ROE) | 8.2689% | 2,987 |
| Retained earnings to average equity (ytd only) | 0.2598% | 5,158 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1989% | 2,843 |
| Assets per employee ($millions) | 4.2030% | 3,638 |
| Cash dividends to net income (ytd only)* | 96.8586% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,672 |
| Loan loss allowance to noncurrent loans | 133.7875% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 1,687 |
| Noncurrent loans to loans | 0.6544% | 2,746 |
| Net loans and leases to total assets | 66.1333% | 3,086 |
| Net loans and leases to deposits | 81.8960% | 2,789 |
| Net loans and leases to core deposits | 100.6190% | 1,653 |
| Total domestic deposits to total assets | 80.7528% | 4,122 |
| Equity capital to assets | 11.1457% | 2,723 |
| Core capital (leverage) ratio | 11.3996% | 2,098 |
| Tier 1 risk-based capital ratio | 16.0818% | 2,467 |
| Total risk-based capital ratio | 16.9314% | 2,581 |
| Memoranda: | ||
| Average total assets | $79,688,000 | 4,639 |
| Average earning assets | $73,571,250 | 4,634 |
| Average equity | $9,239,250 | 4,622 |
| Average total loans | $52,829,250 | 4,427 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 1,127 |
| Cost of funding earning assets | 0.5093% | 2,099 |
| Net interest margin | 4.1574% | 1,178 |
| Noninterest income to average assets | 0.6340% | 2,295 |
| Noninterest expense to average assets | 3.0755% | 1,897 |
| Loan and lease loss provision to assets | 0.0895% | 2,193 |
| Net operating income to assets | 0.9515% | 2,647 |
| Return on assets (ROA) | 0.9459% | 2,744 |
| Pretax return on assets | 1.3013% | 2,379 |
| Return on Equity (ROE) | 8.0470% | 3,004 |
| Retained earnings to average equity (ytd only) | 3.1535% | 3,830 |
| Net charge-offs to loans | -0.0309% | 4,971 |
| Credit loss provision to net charge-offs | -437.5000% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7429% | 2,886 |
| Assets per employee ($millions) | 4.0511% | 3,871 |
| Cash dividends to net income (ytd only)* | 60.8108% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 4,594 |
| Loan loss allowance to noncurrent loans | 63.0155% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 1,831 |
| Noncurrent loans to loans | 1.4442% | 1,316 |
| Net loans and leases to total assets | 65.7138% | 3,149 |
| Net loans and leases to deposits | 76.1318% | 3,326 |
| Net loans and leases to core deposits | 93.1765% | 2,227 |
| Total domestic deposits to total assets | 86.3159% | 2,236 |
| Equity capital to assets | 11.7142% | 2,140 |
| Core capital (leverage) ratio | 12.2975% | 1,474 |
| Tier 1 risk-based capital ratio | 16.8946% | 2,180 |
| Total risk-based capital ratio | 17.7722% | 2,262 |
| Memoranda: | ||
| Average total assets | $78,231,000 | 4,700 |
| Average earning assets | $72,257,000 | 4,692 |
| Average equity | $9,196,000 | 4,652 |
| Average total loans | $51,745,000 | 4,471 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 1,702 |
| Cost of funding earning assets | 0.4637% | 2,390 |
| Net interest margin | 3.9190% | 1,712 |
| Noninterest income to average assets | 0.6299% | 2,269 |
| Noninterest expense to average assets | 3.0350% | 2,068 |
| Loan and lease loss provision to assets | 0.1041% | 1,834 |
| Net operating income to assets | 0.8225% | 3,111 |
| Return on assets (ROA) | 0.8225% | 3,169 |
| Pretax return on assets | 1.0984% | 2,996 |
| Return on Equity (ROE) | 6.9846% | 3,404 |
| Retained earnings to average equity (ytd only) | -2.9618% | 5,259 |
| Net charge-offs to loans | -0.0394% | 5,068 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 2,645 |
| Assets per employee ($millions) | 3.7489% | 4,419 |
| Cash dividends to net income (ytd only)* | 142.4051% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,552 |
| Loan loss allowance to noncurrent loans | 58.5821% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 1,676 |
| Noncurrent loans to loans | 1.6218% | 1,204 |
| Net loans and leases to total assets | 65.4934% | 3,049 |
| Net loans and leases to deposits | 80.5462% | 2,678 |
| Net loans and leases to core deposits | 91.2224% | 2,237 |
| Total domestic deposits to total assets | 81.3116% | 4,342 |
| Equity capital to assets | 12.0730% | 1,782 |
| Core capital (leverage) ratio | 12.2243% | 1,484 |
| Tier 1 risk-based capital ratio | 17.2894% | 2,099 |
| Total risk-based capital ratio | 18.1752% | 2,163 |
| Memoranda: | ||
| Average total assets | $76,836,000 | 4,775 |
| Average earning assets | $70,732,000 | 4,771 |
| Average equity | $9,048,500 | 4,711 |
| Average total loans | $50,752,000 | 4,537 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 1,843 |
| Cost of funding earning assets | 0.4085% | 2,920 |
| Net interest margin | 3.9840% | 1,680 |
| Noninterest income to average assets | 0.6738% | 2,296 |
| Noninterest expense to average assets | 3.0594% | 2,141 |
| Loan and lease loss provision to assets | 0.0652% | 3,065 |
| Net operating income to assets | 0.9267% | 2,696 |
| Return on assets (ROA) | 0.9397% | 2,746 |
| Pretax return on assets | 1.2069% | 2,634 |
| Return on Equity (ROE) | 8.0107% | 2,924 |
| Retained earnings to average equity (ytd only) | 3.1062% | 3,694 |
| Net charge-offs to loans | 0.0041% | 4,101 |
| Credit loss provision to net charge-offs | 2,550.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 166 |
| Efficiency ratio | 70.9037% | 2,764 |
| Assets per employee ($millions) | 3.9348% | 4,085 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,933 |
| Loan loss allowance to noncurrent loans | 53.1585% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 1,767 |
| Noncurrent loans to loans | 1.6157% | 1,211 |
| Net loans and leases to total assets | 65.4197% | 3,155 |
| Net loans and leases to deposits | 83.0261% | 2,541 |
| Net loans and leases to core deposits | 94.3896% | 2,070 |
| Total domestic deposits to total assets | 78.7941% | 4,841 |
| Equity capital to assets | 11.4937% | 2,177 |
| Core capital (leverage) ratio | 11.9763% | 1,615 |
| Tier 1 risk-based capital ratio | 17.1713% | 2,101 |
| Total risk-based capital ratio | 17.9951% | 2,198 |
| Memoranda: | ||
| Average total assets | $78,218,600 | 4,763 |
| Average earning assets | $71,486,200 | 4,768 |
| Average equity | $9,175,200 | 4,721 |
| Average total loans | $48,321,200 | 4,624 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 1,827 |
| Cost of funding earning assets | 0.3985% | 3,037 |
| Net interest margin | 4.0130% | 1,614 |
| Noninterest income to average assets | 0.6163% | 2,584 |
| Noninterest expense to average assets | 2.9842% | 2,366 |
| Loan and lease loss provision to assets | 0.0785% | 2,649 |
| Net operating income to assets | 0.8940% | 2,937 |
| Return on assets (ROA) | 0.9458% | 2,808 |
| Pretax return on assets | 1.2855% | 2,492 |
| Return on Equity (ROE) | 8.0220% | 2,987 |
| Retained earnings to average equity (ytd only) | 1.5059% | 4,911 |
| Net charge-offs to loans | 0.0028% | 3,840 |
| Credit loss provision to net charge-offs | 4,600.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 759.8797% | 117 |
| Efficiency ratio | 69.7526% | 2,925 |
| Assets per employee ($millions) | 4.1363% | 3,719 |
| Cash dividends to net income (ytd only)* | 81.2279% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 5,027 |
| Loan loss allowance to noncurrent loans | 66.3664% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 2,432 |
| Noncurrent loans to loans | 1.2853% | 1,738 |
| Net loans and leases to total assets | 65.3684% | 3,224 |
| Net loans and leases to deposits | 89.0100% | 1,887 |
| Net loans and leases to core deposits | 103.2478% | 1,397 |
| Total domestic deposits to total assets | 73.4394% | 5,482 |
| Equity capital to assets | 11.8094% | 2,246 |
| Core capital (leverage) ratio | 11.3305% | 2,169 |
| Tier 1 risk-based capital ratio | 17.6015% | 2,042 |
| Total risk-based capital ratio | 18.4557% | 2,121 |
| Memoranda: | ||
| Average total assets | $78,099,500 | 4,804 |
| Average earning assets | $71,266,500 | 4,810 |
| Average equity | $9,207,750 | 4,763 |
| Average total loans | $47,419,500 | 4,686 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 2,104 |
| Cost of funding earning assets | 0.3834% | 3,229 |
| Net interest margin | 3.9323% | 1,874 |
| Noninterest income to average assets | 0.5902% | 2,669 |
| Noninterest expense to average assets | 2.9563% | 2,499 |
| Loan and lease loss provision to assets | 0.0411% | 3,337 |
| Net operating income to assets | 0.8713% | 3,002 |
| Return on assets (ROA) | 0.8751% | 3,098 |
| Pretax return on assets | 1.1779% | 2,870 |
| Return on Equity (ROE) | 7.4265% | 3,305 |
| Retained earnings to average equity (ytd only) | 2.5263% | 4,276 |
| Net charge-offs to loans | -0.0174% | 4,893 |
| Credit loss provision to net charge-offs | -400.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8923% | 2,847 |
| Assets per employee ($millions) | 4.2945% | 3,383 |
| Cash dividends to net income (ytd only)* | 65.9824% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 5,010 |
| Loan loss allowance to noncurrent loans | 69.7324% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 2,659 |
| Noncurrent loans to loans | 1.2635% | 1,808 |
| Net loans and leases to total assets | 57.4925% | 4,170 |
| Net loans and leases to deposits | 75.9102% | 3,396 |
| Net loans and leases to core deposits | 89.3220% | 2,600 |
| Total domestic deposits to total assets | 75.7375% | 5,316 |
| Equity capital to assets | 11.4884% | 2,564 |
| Core capital (leverage) ratio | 11.9210% | 1,690 |
| Tier 1 risk-based capital ratio | 18.2941% | 1,853 |
| Total risk-based capital ratio | 19.1312% | 1,927 |
| Memoranda: | ||
| Average total assets | $77,936,000 | 4,864 |
| Average earning assets | $70,950,670 | 4,860 |
| Average equity | $9,183,330 | 4,804 |
| Average total loans | $45,954,330 | 4,773 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 1,762 |
| Cost of funding earning assets | 0.4019% | 3,043 |
| Net interest margin | 4.0132% | 1,573 |
| Noninterest income to average assets | 0.5992% | 2,539 |
| Noninterest expense to average assets | 3.0746% | 2,166 |
| Loan and lease loss provision to assets | 0.0263% | 3,326 |
| Net operating income to assets | 0.8370% | 3,052 |
| Return on assets (ROA) | 0.8409% | 3,160 |
| Pretax return on assets | 1.1247% | 2,994 |
| Return on Equity (ROE) | 7.0423% | 3,432 |
| Retained earnings to average equity (ytd only) | -2.8609% | 5,459 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8518% | 2,670 |
| Assets per employee ($millions) | 3.6941% | 4,481 |
| Cash dividends to net income (ytd only)* | 140.6250% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 4,942 |
| Loan loss allowance to noncurrent loans | 51.0801% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 1,884 |
| Noncurrent loans to loans | 1.8262% | 1,220 |
| Net loans and leases to total assets | 57.7862% | 4,065 |
| Net loans and leases to deposits | 66.6297% | 4,194 |
| Net loans and leases to core deposits | 76.7473% | 3,607 |
| Total domestic deposits to total assets | 86.7273% | 2,342 |
| Equity capital to assets | 12.2792% | 1,844 |
| Core capital (leverage) ratio | 11.9461% | 1,643 |
| Tier 1 risk-based capital ratio | 19.8091% | 1,543 |
| Total risk-based capital ratio | 20.7013% | 1,592 |
| Memoranda: | ||
| Average total assets | $76,106,500 | 4,936 |
| Average earning assets | $68,673,500 | 4,963 |
| Average equity | $9,088,000 | 4,843 |
| Average total loans | $45,267,500 | 4,824 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 1,895 |
| Cost of funding earning assets | 0.4131% | 3,018 |
| Net interest margin | 3.9885% | 1,755 |
| Noninterest income to average assets | 0.6248% | 2,591 |
| Noninterest expense to average assets | 3.0580% | 2,359 |
| Loan and lease loss provision to assets | 0.0298% | 3,776 |
| Net operating income to assets | 0.8914% | 2,920 |
| Return on assets (ROA) | 0.9016% | 2,938 |
| Pretax return on assets | 1.1345% | 2,908 |
| Return on Equity (ROE) | 7.8629% | 3,029 |
| Retained earnings to average equity (ytd only) | 2.7864% | 4,091 |
| Net charge-offs to loans | -0.0572% | 5,593 |
| Credit loss provision to net charge-offs | -88.4615% | 5,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6490% | 2,797 |
| Assets per employee ($millions) | 4.1227% | 3,709 |
| Cash dividends to net income (ytd only)* | 64.5624% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8368% | 5,310 |
| Loan loss allowance to noncurrent loans | 110.5850% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 3,434 |
| Noncurrent loans to loans | 0.7567% | 2,912 |
| Net loans and leases to total assets | 60.0559% | 3,829 |
| Net loans and leases to deposits | 71.9807% | 3,720 |
| Net loans and leases to core deposits | 83.0928% | 3,040 |
| Total domestic deposits to total assets | 83.4333% | 3,701 |
| Equity capital to assets | 11.6223% | 2,257 |
| Core capital (leverage) ratio | 11.6296% | 1,872 |
| Tier 1 risk-based capital ratio | 18.9572% | 1,709 |
| Total risk-based capital ratio | 19.7902% | 1,764 |
| Memoranda: | ||
| Average total assets | $77,305,400 | 4,923 |
| Average earning assets | $69,474,400 | 4,951 |
| Average equity | $8,864,400 | 4,878 |
| Average total loans | $45,462,400 | 4,815 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 1,914 |
| Cost of funding earning assets | 0.4120% | 3,099 |
| Net interest margin | 3.9900% | 1,734 |
| Noninterest income to average assets | 0.5987% | 2,746 |
| Noninterest expense to average assets | 3.0300% | 2,430 |
| Loan and lease loss provision to assets | 0.0225% | 3,824 |
| Net operating income to assets | 0.8678% | 3,095 |
| Return on assets (ROA) | 0.8704% | 3,170 |
| Pretax return on assets | 1.1525% | 3,005 |
| Return on Equity (ROE) | 7.6171% | 3,277 |
| Retained earnings to average equity (ytd only) | 0.8025% | 5,377 |
| Net charge-offs to loans | -0.0949% | 5,761 |
| Credit loss provision to net charge-offs | -40.6250% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1170% | 2,857 |
| Assets per employee ($millions) | 4.3194% | 3,290 |
| Cash dividends to net income (ytd only)* | 89.4640% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 5,461 |
| Loan loss allowance to noncurrent loans | 92.2535% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 3,437 |
| Noncurrent loans to loans | 0.8907% | 2,750 |
| Net loans and leases to total assets | 57.7960% | 4,168 |
| Net loans and leases to deposits | 81.6442% | 2,689 |
| Net loans and leases to core deposits | 102.4626% | 1,343 |
| Total domestic deposits to total assets | 70.7901% | 5,939 |
| Equity capital to assets | 10.8276% | 3,213 |
| Core capital (leverage) ratio | 11.2486% | 2,248 |
| Tier 1 risk-based capital ratio | 16.0589% | 2,769 |
| Total risk-based capital ratio | 16.7730% | 2,962 |
| Memoranda: | ||
| Average total assets | $77,048,750 | 4,981 |
| Average earning assets | $69,573,000 | 5,005 |
| Average equity | $8,804,500 | 4,952 |
| Average total loans | $44,968,000 | 4,880 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 1,982 |
| Cost of funding earning assets | 0.4107% | 3,150 |
| Net interest margin | 3.9471% | 1,823 |
| Noninterest income to average assets | 0.5837% | 2,830 |
| Noninterest expense to average assets | 3.0302% | 2,463 |
| Loan and lease loss provision to assets | 0.0212% | 3,708 |
| Net operating income to assets | 0.8431% | 3,155 |
| Return on assets (ROA) | 0.8570% | 3,202 |
| Pretax return on assets | 1.1463% | 2,984 |
| Return on Equity (ROE) | 7.3599% | 3,400 |
| Retained earnings to average equity (ytd only) | -0.0456% | 5,516 |
| Net charge-offs to loans | 0.0091% | 3,588 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 216.5000% | 325 |
| Efficiency ratio | 72.5079% | 2,930 |
| Assets per employee ($millions) | 3.8728% | 4,123 |
| Cash dividends to net income (ytd only)* | 100.6192% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 5,654 |
| Loan loss allowance to noncurrent loans | 69.3359% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 2,674 |
| Noncurrent loans to loans | 1.1172% | 2,412 |
| Net loans and leases to total assets | 58.7076% | 4,018 |
| Net loans and leases to deposits | 73.6424% | 3,533 |
| Net loans and leases to core deposits | 88.8073% | 2,473 |
| Total domestic deposits to total assets | 79.7198% | 4,923 |
| Equity capital to assets | 11.2995% | 2,572 |
| Core capital (leverage) ratio | 11.7025% | 1,837 |
| Tier 1 risk-based capital ratio | 16.3469% | 2,690 |
| Total risk-based capital ratio | 17.0062% | 2,927 |
| Memoranda: | ||
| Average total assets | $75,375,670 | 5,068 |
| Average earning assets | $68,658,330 | 5,071 |
| Average equity | $8,777,330 | 4,994 |
| Average total loans | $44,015,670 | 4,949 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 2,120 |
| Cost of funding earning assets | 0.4086% | 3,208 |
| Net interest margin | 3.8849% | 1,948 |
| Noninterest income to average assets | 0.5489% | 2,952 |
| Noninterest expense to average assets | 2.9918% | 2,613 |
| Loan and lease loss provision to assets | 0.0269% | 3,347 |
| Net operating income to assets | 0.7923% | 3,306 |
| Return on assets (ROA) | 0.8125% | 3,324 |
| Pretax return on assets | 1.0870% | 3,135 |
| Return on Equity (ROE) | 6.8714% | 3,571 |
| Retained earnings to average equity (ytd only) | -7.9181% | 6,074 |
| Net charge-offs to loans | -0.0464% | 5,481 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3509% | 2,933 |
| Assets per employee ($millions) | 3.4033% | 5,078 |
| Cash dividends to net income (ytd only)* | 215.2318% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 5,452 |
| Loan loss allowance to noncurrent loans | 61.1966% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.1403% | 2,350 |
| Noncurrent loans to loans | 1.4632% | 1,942 |
| Net loans and leases to total assets | 55.4414% | 4,265 |
| Net loans and leases to deposits | 63.8808% | 4,380 |
| Net loans and leases to core deposits | 77.3347% | 3,443 |
| Total domestic deposits to total assets | 86.7889% | 2,502 |
| Equity capital to assets | 12.2149% | 1,884 |
| Core capital (leverage) ratio | 11.8433% | 1,745 |
| Tier 1 risk-based capital ratio | 18.6928% | 1,947 |
| Total risk-based capital ratio | 19.4707% | 2,033 |
| Memoranda: | ||
| Average total assets | $74,336,000 | 5,142 |
| Average earning assets | $67,543,500 | 5,155 |
| Average equity | $8,790,000 | 5,040 |
| Average total loans | $43,110,000 | 5,015 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,578 |
| Cost of funding earning assets | 0.3821% | 3,885 |
| Net interest margin | 3.9265% | 2,134 |
| Noninterest income to average assets | 0.6646% | 2,481 |
| Noninterest expense to average assets | 2.8816% | 3,204 |
| Loan and lease loss provision to assets | 0.1130% | 2,285 |
| Net operating income to assets | 0.9573% | 2,590 |
| Return on assets (ROA) | 0.9849% | 2,535 |
| Pretax return on assets | 1.3265% | 2,153 |
| Return on Equity (ROE) | 8.7676% | 2,698 |
| Retained earnings to average equity (ytd only) | 3.4431% | 3,759 |
| Net charge-offs to loans | 0.1696% | 2,335 |
| Credit loss provision to net charge-offs | 113.3333% | 2,097 |
| Earnings coverage of net charge-offs (x) | 14.0667% | 2,199 |
| Efficiency ratio | 67.2665% | 4,017 |
| Assets per employee ($millions) | 3.6763% | 4,579 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 5,874 |
| Loan loss allowance to noncurrent loans | 65.2336% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 3,260 |
| Noncurrent loans to loans | 1.1571% | 2,527 |
| Net loans and leases to total assets | 59.4402% | 3,853 |
| Net loans and leases to deposits | 71.1965% | 3,768 |
| Net loans and leases to core deposits | 88.7190% | 2,417 |
| Total domestic deposits to total assets | 83.4875% | 3,919 |
| Equity capital to assets | 11.4634% | 2,463 |
| Core capital (leverage) ratio | 11.5996% | 1,899 |
| Tier 1 risk-based capital ratio | 19.0786% | 1,823 |
| Total risk-based capital ratio | 19.8461% | 1,929 |
| Memoranda: | ||
| Average total assets | $75,237,000 | 5,171 |
| Average earning assets | $69,348,600 | 5,139 |
| Average equity | $8,451,600 | 5,096 |
| Average total loans | $44,224,600 | 5,027 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 2,605 |
| Cost of funding earning assets | 0.3785% | 4,036 |
| Net interest margin | 3.9281% | 2,124 |
| Noninterest income to average assets | 0.6778% | 2,438 |
| Noninterest expense to average assets | 2.9004% | 3,117 |
| Loan and lease loss provision to assets | 0.0910% | 2,533 |
| Net operating income to assets | 0.9380% | 2,743 |
| Return on assets (ROA) | 0.9722% | 2,651 |
| Pretax return on assets | 1.3628% | 2,148 |
| Return on Equity (ROE) | 8.7003% | 2,842 |
| Retained earnings to average equity (ytd only) | 1.5165% | 5,289 |
| Net charge-offs to loans | 0.2196% | 1,724 |
| Credit loss provision to net charge-offs | 70.8333% | 2,758 |
| Earnings coverage of net charge-offs (x) | 10.9442% | 2,485 |
| Efficiency ratio | 67.3571% | 3,976 |
| Assets per employee ($millions) | 3.5232% | 4,821 |
| Cash dividends to net income (ytd only)* | 82.5693% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 6,098 |
| Loan loss allowance to noncurrent loans | 51.0433% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 3,187 |
| Noncurrent loans to loans | 1.3757% | 2,357 |
| Net loans and leases to total assets | 60.7782% | 3,659 |
| Net loans and leases to deposits | 81.6012% | 2,476 |
| Net loans and leases to core deposits | 102.9440% | 1,155 |
| Total domestic deposits to total assets | 74.4820% | 5,969 |
| Equity capital to assets | 11.5723% | 2,414 |
| Core capital (leverage) ratio | 11.3492% | 2,175 |
| Tier 1 risk-based capital ratio | 18.6834% | 1,993 |
| Total risk-based capital ratio | 19.3840% | 2,126 |
| Memoranda: | ||
| Average total assets | $74,745,750 | 5,236 |
| Average earning assets | $69,039,000 | 5,205 |
| Average equity | $8,352,000 | 5,158 |
| Average total loans | $43,721,250 | 5,097 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 2,691 |
| Cost of funding earning assets | 0.3623% | 4,293 |
| Net interest margin | 3.9110% | 2,116 |
| Noninterest income to average assets | 0.6960% | 2,304 |
| Noninterest expense to average assets | 2.9281% | 3,075 |
| Loan and lease loss provision to assets | 0.0667% | 2,934 |
| Net operating income to assets | 0.9419% | 2,586 |
| Return on assets (ROA) | 0.9627% | 2,582 |
| Pretax return on assets | 1.3574% | 2,048 |
| Return on Equity (ROE) | 8.7177% | 2,724 |
| Retained earnings to average equity (ytd only) | 3.2842% | 4,115 |
| Net charge-offs to loans | 0.0926% | 2,760 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 26.1500% | 1,382 |
| Efficiency ratio | 67.7360% | 4,051 |
| Assets per employee ($millions) | 3.6143% | 4,628 |
| Cash dividends to net income (ytd only)* | 62.3269% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 6,027 |
| Loan loss allowance to noncurrent loans | 70.0611% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 3,909 |
| Noncurrent loans to loans | 1.1112% | 3,001 |
| Net loans and leases to total assets | 57.7615% | 4,019 |
| Net loans and leases to deposits | 75.6558% | 3,105 |
| Net loans and leases to core deposits | 91.2575% | 2,000 |
| Total domestic deposits to total assets | 76.3478% | 5,873 |
| Equity capital to assets | 11.2516% | 2,658 |
| Core capital (leverage) ratio | 11.6815% | 1,864 |
| Tier 1 risk-based capital ratio | 19.3919% | 1,827 |
| Total risk-based capital ratio | 20.1754% | 1,902 |
| Memoranda: | ||
| Average total assets | $74,998,670 | 5,272 |
| Average earning assets | $69,548,000 | 5,228 |
| Average equity | $8,282,000 | 5,195 |
| Average total loans | $43,199,670 | 5,158 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,481 |
| Cost of funding earning assets | 0.3588% | 4,451 |
| Net interest margin | 3.9523% | 1,921 |
| Noninterest income to average assets | 0.7029% | 2,154 |
| Noninterest expense to average assets | 2.8760% | 3,297 |
| Loan and lease loss provision to assets | 0.0805% | 2,539 |
| Net operating income to assets | 0.9889% | 2,253 |
| Return on assets (ROA) | 1.0302% | 2,157 |
| Pretax return on assets | 1.4702% | 1,514 |
| Return on Equity (ROE) | 9.4198% | 2,283 |
| Retained earnings to average equity (ytd only) | -1.6190% | 5,813 |
| Net charge-offs to loans | 0.0094% | 3,437 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 168 |
| Efficiency ratio | 65.8477% | 4,555 |
| Assets per employee ($millions) | 3.4310% | 5,078 |
| Cash dividends to net income (ytd only)* | 117.1875% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 5,925 |
| Loan loss allowance to noncurrent loans | 47.0040% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 3,169 |
| Noncurrent loans to loans | 1.8735% | 2,032 |
| Net loans and leases to total assets | 55.1443% | 4,262 |
| Net loans and leases to deposits | 68.3832% | 3,822 |
| Net loans and leases to core deposits | 79.5961% | 3,023 |
| Total domestic deposits to total assets | 80.6401% | 5,335 |
| Equity capital to assets | 11.4419% | 2,297 |
| Core capital (leverage) ratio | 11.7908% | 1,768 |
| Tier 1 risk-based capital ratio | 20.3306% | 1,638 |
| Total risk-based capital ratio | 21.1914% | 1,705 |
| Memoranda: | ||
| Average total assets | $74,548,000 | 5,324 |
| Average earning assets | $69,123,500 | 5,290 |
| Average equity | $8,153,000 | 5,247 |
| Average total loans | $42,707,000 | 5,212 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 3,443 |
| Cost of funding earning assets | 0.4390% | 4,228 |
| Net interest margin | 3.7337% | 2,928 |
| Noninterest income to average assets | 0.6369% | 2,880 |
| Noninterest expense to average assets | 2.7724% | 3,822 |
| Loan and lease loss provision to assets | 0.0486% | 4,159 |
| Net operating income to assets | 0.9555% | 2,540 |
| Return on assets (ROA) | 0.9574% | 2,597 |
| Pretax return on assets | 1.2923% | 2,190 |
| Return on Equity (ROE) | 9.0174% | 2,525 |
| Retained earnings to average equity (ytd only) | 1.5957% | 5,085 |
| Net charge-offs to loans | 0.0195% | 5,049 |
| Credit loss provision to net charge-offs | 462.5000% | 496 |
| Earnings coverage of net charge-offs (x) | 127.3750% | 365 |
| Efficiency ratio | 67.4441% | 4,296 |
| Assets per employee ($millions) | 3.6688% | 4,553 |
| Cash dividends to net income (ytd only)* | 82.3045% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 6,270 |
| Loan loss allowance to noncurrent loans | 49.2733% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 3,657 |
| Noncurrent loans to loans | 1.5178% | 2,619 |
| Net loans and leases to total assets | 58.3944% | 3,969 |
| Net loans and leases to deposits | 72.5306% | 3,454 |
| Net loans and leases to core deposits | 89.9656% | 2,030 |
| Total domestic deposits to total assets | 80.5101% | 5,317 |
| Equity capital to assets | 10.4640% | 3,210 |
| Core capital (leverage) ratio | 11.0621% | 2,331 |
| Tier 1 risk-based capital ratio | 17.4912% | 2,419 |
| Total risk-based capital ratio | 18.2094% | 2,592 |
| Memoranda: | ||
| Average total assets | $76,144,200 | 5,324 |
| Average earning assets | $70,842,200 | 5,288 |
| Average equity | $8,084,400 | 5,312 |
| Average total loans | $40,981,000 | 5,304 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 3,530 |
| Cost of funding earning assets | 0.4395% | 4,386 |
| Net interest margin | 3.7198% | 2,955 |
| Noninterest income to average assets | 0.6393% | 2,931 |
| Noninterest expense to average assets | 2.8047% | 3,645 |
| Loan and lease loss provision to assets | 0.0562% | 3,931 |
| Net operating income to assets | 0.9150% | 2,756 |
| Return on assets (ROA) | 0.9150% | 2,861 |
| Pretax return on assets | 1.2416% | 2,542 |
| Return on Equity (ROE) | 8.5865% | 2,844 |
| Retained earnings to average equity (ytd only) | -1.3020% | 6,173 |
| Net charge-offs to loans | 0.0401% | 4,342 |
| Credit loss provision to net charge-offs | 266.6667% | 941 |
| Earnings coverage of net charge-offs (x) | 61.5819% | 740 |
| Efficiency ratio | 68.3647% | 4,019 |
| Assets per employee ($millions) | 3.5039% | 4,840 |
| Cash dividends to net income (ytd only)* | 115.1630% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 6,306 |
| Loan loss allowance to noncurrent loans | 76.2125% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 4,767 |
| Noncurrent loans to loans | 1.0345% | 3,733 |
| Net loans and leases to total assets | 53.8717% | 4,631 |
| Net loans and leases to deposits | 70.9100% | 3,651 |
| Net loans and leases to core deposits | 92.1716% | 1,756 |
| Total domestic deposits to total assets | 75.9720% | 6,172 |
| Equity capital to assets | 10.1511% | 3,696 |
| Core capital (leverage) ratio | 10.5984% | 2,894 |
| Tier 1 risk-based capital ratio | 20.1199% | 1,707 |
| Total risk-based capital ratio | 20.9438% | 1,772 |
| Memoranda: | ||
| Average total assets | $75,919,000 | 5,384 |
| Average earning assets | $70,684,000 | 5,346 |
| Average equity | $8,090,000 | 5,369 |
| Average total loans | $39,894,000 | 5,402 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 3,736 |
| Cost of funding earning assets | 0.4432% | 4,502 |
| Net interest margin | 3.6562% | 3,151 |
| Noninterest income to average assets | 0.6037% | 3,167 |
| Noninterest expense to average assets | 2.7115% | 3,989 |
| Loan and lease loss provision to assets | 0.0583% | 3,840 |
| Net operating income to assets | 0.9241% | 2,682 |
| Return on assets (ROA) | 0.9241% | 2,819 |
| Pretax return on assets | 1.2419% | 2,506 |
| Return on Equity (ROE) | 8.5347% | 2,830 |
| Retained earnings to average equity (ytd only) | -1.2472% | 6,084 |
| Net charge-offs to loans | -0.0255% | 6,051 |
| Credit loss provision to net charge-offs | -440.0000% | 5,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5908% | 4,248 |
| Assets per employee ($millions) | 3.5701% | 4,706 |
| Cash dividends to net income (ytd only)* | 114.6132% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 6,180 |
| Loan loss allowance to noncurrent loans | 145.0644% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 5,546 |
| Noncurrent loans to loans | 0.6093% | 4,734 |
| Net loans and leases to total assets | 50.5535% | 5,053 |
| Net loans and leases to deposits | 60.0412% | 4,974 |
| Net loans and leases to core deposits | 77.9455% | 3,297 |
| Total domestic deposits to total assets | 84.1981% | 4,238 |
| Equity capital to assets | 10.5586% | 3,230 |
| Core capital (leverage) ratio | 10.8705% | 2,481 |
| Tier 1 risk-based capital ratio | 20.4042% | 1,630 |
| Total risk-based capital ratio | 21.2582% | 1,685 |
| Memoranda: | ||
| Average total assets | $75,530,330 | 5,426 |
| Average earning assets | $70,400,330 | 5,381 |
| Average equity | $8,178,330 | 5,384 |
| Average total loans | $39,239,670 | 5,457 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 3,532 |
| Cost of funding earning assets | 0.4519% | 4,577 |
| Net interest margin | 3.6940% | 2,876 |
| Noninterest income to average assets | 0.5962% | 3,168 |
| Noninterest expense to average assets | 2.6487% | 4,246 |
| Loan and lease loss provision to assets | 0.0897% | 3,166 |
| Net operating income to assets | 0.9920% | 2,257 |
| Return on assets (ROA) | 0.9920% | 2,377 |
| Pretax return on assets | 1.3085% | 2,204 |
| Return on Equity (ROE) | 9.0499% | 2,467 |
| Retained earnings to average equity (ytd only) | -10.2052% | 6,625 |
| Net charge-offs to loans | -0.0302% | 5,901 |
| Credit loss provision to net charge-offs | -566.6667% | 5,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4498% | 4,758 |
| Assets per employee ($millions) | 3.5363% | 4,904 |
| Cash dividends to net income (ytd only)* | 212.7660% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 6,161 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 6,174 |
| Noncurrent loans to loans | 0.2824% | 5,697 |
| Net loans and leases to total assets | 46.7689% | 5,358 |
| Net loans and leases to deposits | 53.3739% | 5,487 |
| Net loans and leases to core deposits | 65.3865% | 4,604 |
| Total domestic deposits to total assets | 87.6251% | 2,551 |
| Equity capital to assets | 10.9880% | 2,970 |
| Core capital (leverage) ratio | 10.5350% | 2,729 |
| Tier 1 risk-based capital ratio | 23.4860% | 1,086 |
| Total risk-based capital ratio | 24.4681% | 1,103 |
| Memoranda: | ||
| Average total assets | $75,809,500 | 5,463 |
| Average earning assets | $70,817,000 | 5,416 |
| Average equity | $8,309,500 | 5,409 |
| Average total loans | $39,740,000 | 5,475 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 4,372 |
| Cost of funding earning assets | 0.4936% | 5,263 |
| Net interest margin | 3.7653% | 3,372 |
| Noninterest income to average assets | 0.5972% | 3,293 |
| Noninterest expense to average assets | 2.4825% | 5,157 |
| Loan and lease loss provision to assets | 0.4190% | 1,522 |
| Net operating income to assets | 0.7745% | 3,390 |
| Return on assets (ROA) | 0.8107% | 3,484 |
| Pretax return on assets | 1.2378% | 2,647 |
| Return on Equity (ROE) | 6.9569% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.9569% | 1,589 |
| Net charge-offs to loans | -0.0050% | 6,385 |
| Credit loss provision to net charge-offs | -15,400.0000% | 6,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7928% | 5,415 |
| Assets per employee ($millions) | 3.6836% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 6,635 |
| Loan loss allowance to noncurrent loans | 160.6218% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 5,922 |
| Noncurrent loans to loans | 0.4345% | 5,409 |
| Net loans and leases to total assets | 57.0195% | 4,117 |
| Net loans and leases to deposits | 68.0186% | 3,980 |
| Net loans and leases to core deposits | 85.9637% | 2,315 |
| Total domestic deposits to total assets | 83.8293% | 4,394 |
| Equity capital to assets | 10.9352% | 3,031 |
| Core capital (leverage) ratio | 11.1476% | 2,127 |
| Tier 1 risk-based capital ratio | 19.8405% | 1,719 |
| Total risk-based capital ratio | 20.5990% | 1,829 |
| Memoranda: | ||
| Average total assets | $73,515,600 | 5,532 |
| Average earning assets | $68,069,600 | 5,489 |
| Average equity | $8,567,000 | 5,345 |
| Average total loans | $40,372,800 | 5,486 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 6,110 |
| Cost of funding earning assets | 0.4338% | 5,908 |
| Net interest margin | 3.3249% | 5,295 |
| Noninterest income to average assets | 0.6046% | 3,245 |
| Noninterest expense to average assets | 2.5249% | 5,004 |
| Loan and lease loss provision to assets | 0.0368% | 5,316 |
| Net operating income to assets | 0.7721% | 3,591 |
| Return on assets (ROA) | 0.8177% | 3,599 |
| Pretax return on assets | 1.1798% | 3,063 |
| Return on Equity (ROE) | 6.9039% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.9039% | 2,177 |
| Net charge-offs to loans | -0.1321% | 6,920 |
| Credit loss provision to net charge-offs | -51.2821% | 6,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7000% | 3,928 |
| Assets per employee ($millions) | 3.4205% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2228% | 7,071 |
| Loan loss allowance to noncurrent loans | 39.3939% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 5,892 |
| Noncurrent loans to loans | 0.5656% | 5,311 |
| Net loans and leases to total assets | 56.7298% | 4,340 |
| Net loans and leases to deposits | 68.8130% | 4,057 |
| Net loans and leases to core deposits | 89.0299% | 2,100 |
| Total domestic deposits to total assets | 82.4405% | 4,858 |
| Equity capital to assets | 12.4725% | 1,913 |
| Core capital (leverage) ratio | 11.9952% | 1,659 |
| Tier 1 risk-based capital ratio | 19.8976% | 1,788 |
| Total risk-based capital ratio | 20.1094% | 2,021 |
| Memoranda: | ||
| Average total assets | $72,555,500 | 5,620 |
| Average earning assets | $67,007,500 | 5,582 |
| Average equity | $8,594,000 | 5,384 |
| Average total loans | $39,361,500 | 5,605 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 6,611 |
| Cost of funding earning assets | 0.4094% | 6,220 |
| Net interest margin | 3.0842% | 6,051 |
| Noninterest income to average assets | 0.5357% | 3,678 |
| Noninterest expense to average assets | 2.3243% | 5,671 |
| Loan and lease loss provision to assets | 0.0549% | 4,972 |
| Net operating income to assets | 0.6879% | 3,934 |
| Return on assets (ROA) | 0.6841% | 4,214 |
| Pretax return on assets | 0.9863% | 3,760 |
| Return on Equity (ROE) | 5.8780% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.8780% | 2,778 |
| Net charge-offs to loans | -0.1544% | 6,951 |
| Credit loss provision to net charge-offs | -66.6667% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9487% | 3,950 |
| Assets per employee ($millions) | 3.5729% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1591% | 7,157 |
| Loan loss allowance to noncurrent loans | 77.5000% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 6,513 |
| Noncurrent loans to loans | 0.2053% | 6,172 |
| Net loans and leases to total assets | 54.4355% | 4,722 |
| Net loans and leases to deposits | 63.4034% | 4,836 |
| Net loans and leases to core deposits | 83.4990% | 2,754 |
| Total domestic deposits to total assets | 85.8558% | 3,425 |
| Equity capital to assets | 12.2493% | 1,965 |
| Core capital (leverage) ratio | 11.8912% | 1,658 |
| Tier 1 risk-based capital ratio | 18.6968% | 2,072 |
| Total risk-based capital ratio | 18.8350% | 2,414 |
| Memoranda: | ||
| Average total assets | $72,797,330 | 5,644 |
| Average earning assets | $66,921,000 | 5,619 |
| Average equity | $8,472,330 | 5,429 |
| Average total loans | $38,868,670 | 5,651 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7542% | 7,125 |
| Cost of funding earning assets | 0.3775% | 6,513 |
| Net interest margin | 2.3768% | 7,025 |
| Noninterest income to average assets | 0.4628% | 4,206 |
| Noninterest expense to average assets | 1.9219% | 6,606 |
| Loan and lease loss provision to assets | 0.0544% | 4,725 |
| Net operating income to assets | 0.4955% | 4,848 |
| Return on assets (ROA) | 0.4955% | 5,054 |
| Pretax return on assets | 0.6806% | 4,859 |
| Return on Equity (ROE) | 4.3687% | 5,109 |
| Retained earnings to average equity (ytd only) | 4.3687% | 3,974 |
| Net charge-offs to loans | 0.0824% | 3,673 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 16.8750% | 1,334 |
| Efficiency ratio | 72.3361% | 3,373 |
| Assets per employee ($millions) | 3.5245% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0285% | 7,239 |
| Loan loss allowance to noncurrent loans | 10.5263% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 4,843 |
| Noncurrent loans to loans | 0.2703% | 6,143 |
| Net loans and leases to total assets | 49.8397% | 5,328 |
| Net loans and leases to deposits | 57.2369% | 5,465 |
| Net loans and leases to core deposits | 72.2598% | 4,110 |
| Total domestic deposits to total assets | 87.0762% | 2,916 |
| Equity capital to assets | 12.0060% | 2,035 |
| Core capital (leverage) ratio | 10.7785% | 2,467 |
| Tier 1 risk-based capital ratio | 18.6680% | 2,089 |
| Total risk-based capital ratio | 18.6925% | 2,468 |
| Memoranda: | ||
| Average total assets | $73,467,500 | 5,664 |
| Average earning assets | $67,823,500 | 5,628 |
| Average equity | $8,332,000 | 5,487 |
| Average total loans | $38,823,000 | 5,693 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 5,367 |
| Cost of funding earning assets | 0.6416% | 5,865 |
| Net interest margin | 3.7713% | 3,972 |
| Noninterest income to average assets | 0.7796% | 2,169 |
| Noninterest expense to average assets | 2.4834% | 5,522 |
| Loan and lease loss provision to assets | 0.3378% | 2,991 |
| Net operating income to assets | 1.2552% | 1,366 |
| Return on assets (ROA) | 1.2552% | 1,464 |
| Pretax return on assets | 1.4768% | 1,543 |
| Return on Equity (ROE) | 11.9578% | 1,413 |
| Retained earnings to average equity (ytd only) | 5.5219% | 2,286 |
| Net charge-offs to loans | 0.6327% | 2,564 |
| Credit loss provision to net charge-offs | 95.4198% | 3,779 |
| Earnings coverage of net charge-offs (x) | 5.1260% | 2,890 |
| Efficiency ratio | 57.7806% | 6,079 |
| Assets per employee ($millions) | 4.0234% | 3,800 |
| Cash dividends to net income (ytd only)* | 53.8213% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 3,486 |
| Loan loss allowance to noncurrent loans | 86.9182% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.6940% | 3,412 |
| Noncurrent loans to loans | 1.8704% | 3,385 |
| Net loans and leases to total assets | 54.6968% | 4,922 |
| Net loans and leases to deposits | 61.5078% | 5,309 |
| Net loans and leases to core deposits | 76.6044% | 3,887 |
| Total domestic deposits to total assets | 88.9267% | 1,597 |
| Equity capital to assets | 10.7280% | 3,278 |
| Core capital (leverage) ratio | 11.0021% | 2,269 |
| Tier 1 risk-based capital ratio | 19.6558% | 1,712 |
| Total risk-based capital ratio | 20.9119% | 1,679 |
| Memoranda: | ||
| Average total assets | $74,012,400 | 5,644 |
| Average earning assets | $69,047,400 | 5,575 |
| Average equity | $7,769,000 | 5,638 |
| Average total loans | $41,408,200 | 5,619 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 5,580 |
| Cost of funding earning assets | 0.6668% | 5,952 |
| Net interest margin | 3.7417% | 4,149 |
| Noninterest income to average assets | 0.8791% | 1,723 |
| Noninterest expense to average assets | 2.5484% | 5,289 |
| Loan and lease loss provision to assets | 0.3996% | 2,456 |
| Net operating income to assets | 0.9663% | 2,451 |
| Return on assets (ROA) | 0.9663% | 2,619 |
| Pretax return on assets | 1.4168% | 1,892 |
| Return on Equity (ROE) | 9.2588% | 2,478 |
| Retained earnings to average equity (ytd only) | 2.7324% | 4,721 |
| Net charge-offs to loans | 0.7876% | 1,983 |
| Credit loss provision to net charge-offs | 90.5350% | 3,754 |
| Earnings coverage of net charge-offs (x) | 4.1153% | 3,176 |
| Efficiency ratio | 58.3854% | 5,958 |
| Assets per employee ($millions) | 4.5453% | 2,848 |
| Cash dividends to net income (ytd only)* | 70.4886% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 3,299 |
| Loan loss allowance to noncurrent loans | 66.8633% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.0860% | 3,042 |
| Noncurrent loans to loans | 2.5326% | 2,736 |
| Net loans and leases to total assets | 54.2819% | 5,129 |
| Net loans and leases to deposits | 68.4979% | 4,520 |
| Net loans and leases to core deposits | 88.6842% | 2,410 |
| Total domestic deposits to total assets | 79.2462% | 5,939 |
| Equity capital to assets | 10.9551% | 3,190 |
| Core capital (leverage) ratio | 10.3084% | 3,070 |
| Tier 1 risk-based capital ratio | 18.8059% | 1,991 |
| Total risk-based capital ratio | 20.0613% | 1,955 |
| Memoranda: | ||
| Average total assets | $73,404,250 | 5,701 |
| Average earning assets | $68,380,250 | 5,638 |
| Average equity | $7,661,000 | 5,702 |
| Average total loans | $41,134,250 | 5,690 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 6,108 |
| Cost of funding earning assets | 0.6773% | 6,086 |
| Net interest margin | 3.5930% | 4,748 |
| Noninterest income to average assets | 0.6791% | 2,659 |
| Noninterest expense to average assets | 2.6809% | 4,897 |
| Loan and lease loss provision to assets | 0.1630% | 4,299 |
| Net operating income to assets | 0.8176% | 2,993 |
| Return on assets (ROA) | 0.8176% | 3,115 |
| Pretax return on assets | 1.1924% | 2,514 |
| Return on Equity (ROE) | 7.9640% | 2,958 |
| Retained earnings to average equity (ytd only) | 1.3494% | 5,315 |
| Net charge-offs to loans | 1.1481% | 1,362 |
| Credit loss provision to net charge-offs | 25.2101% | 5,059 |
| Earnings coverage of net charge-offs (x) | 2.0966% | 3,803 |
| Efficiency ratio | 66.4199% | 4,794 |
| Assets per employee ($millions) | 5.0302% | 2,083 |
| Cash dividends to net income (ytd only)* | 83.0565% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 5,079 |
| Loan loss allowance to noncurrent loans | 58.2686% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.8568% | 3,428 |
| Noncurrent loans to loans | 2.2250% | 3,198 |
| Net loans and leases to total assets | 52.9720% | 5,440 |
| Net loans and leases to deposits | 64.0180% | 5,267 |
| Net loans and leases to core deposits | 81.6077% | 3,560 |
| Total domestic deposits to total assets | 82.7456% | 4,878 |
| Equity capital to assets | 10.1865% | 3,891 |
| Core capital (leverage) ratio | 10.2186% | 3,011 |
| Tier 1 risk-based capital ratio | 17.3114% | 2,410 |
| Total risk-based capital ratio | 18.5320% | 2,392 |
| Memoranda: | ||
| Average total assets | $73,631,000 | 5,731 |
| Average earning assets | $68,800,670 | 5,668 |
| Average equity | $7,559,000 | 5,746 |
| Average total loans | $41,460,330 | 5,735 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 6,314 |
| Cost of funding earning assets | 0.7189% | 6,032 |
| Net interest margin | 3.4651% | 5,160 |
| Noninterest income to average assets | 0.7316% | 2,383 |
| Noninterest expense to average assets | 2.5743% | 5,317 |
| Loan and lease loss provision to assets | 0.1650% | 3,982 |
| Net operating income to assets | 0.8306% | 2,880 |
| Return on assets (ROA) | 0.8306% | 2,940 |
| Pretax return on assets | 1.2266% | 2,285 |
| Return on Equity (ROE) | 8.0582% | 2,881 |
| Retained earnings to average equity (ytd only) | 1.3875% | 5,273 |
| Net charge-offs to loans | 1.2302% | 1,130 |
| Credit loss provision to net charge-offs | 23.2558% | 4,221 |
| Earnings coverage of net charge-offs (x) | 1.9612% | 3,330 |
| Efficiency ratio | 64.9098% | 5,201 |
| Assets per employee ($millions) | 3.1624% | 5,811 |
| Cash dividends to net income (ytd only)* | 82.7815% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 3,705 |
| Loan loss allowance to noncurrent loans | 138.8506% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 4,286 |
| Noncurrent loans to loans | 1.1561% | 4,766 |
| Net loans and leases to total assets | 53.2125% | 5,419 |
| Net loans and leases to deposits | 60.0659% | 5,722 |
| Net loans and leases to core deposits | 68.9237% | 5,177 |
| Total domestic deposits to total assets | 88.5902% | 2,023 |
| Equity capital to assets | 10.8104% | 2,868 |
| Core capital (leverage) ratio | 10.2480% | 2,867 |
| Tier 1 risk-based capital ratio | 16.4418% | 2,689 |
| Total risk-based capital ratio | 17.6759% | 2,671 |
| Memoranda: | ||
| Average total assets | $72,720,000 | 5,797 |
| Average earning assets | $67,877,000 | 5,736 |
| Average equity | $7,495,500 | 5,776 |
| Average total loans | $41,943,500 | 5,760 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 5,216 |
| Cost of funding earning assets | 0.9660% | 5,862 |
| Net interest margin | 3.8884% | 3,546 |
| Noninterest income to average assets | 0.8534% | 2,043 |
| Noninterest expense to average assets | 2.6652% | 5,151 |
| Loan and lease loss provision to assets | 0.2982% | 4,417 |
| Net operating income to assets | 0.9954% | 2,054 |
| Return on assets (ROA) | 1.0011% | 2,140 |
| Pretax return on assets | 1.5108% | 1,344 |
| Return on Equity (ROE) | 9.6517% | 2,054 |
| Retained earnings to average equity (ytd only) | 4.1756% | 2,922 |
| Net charge-offs to loans | 1.1580% | 1,929 |
| Credit loss provision to net charge-offs | 40.6977% | 6,379 |
| Earnings coverage of net charge-offs (x) | 2.4574% | 3,895 |
| Efficiency ratio | 59.6820% | 6,093 |
| Assets per employee ($millions) | 3.6128% | 4,665 |
| Cash dividends to net income (ytd only)* | 56.7376% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 3,900 |
| Loan loss allowance to noncurrent loans | 64.6734% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4328% | 4,189 |
| Noncurrent loans to loans | 2.3497% | 3,170 |
| Net loans and leases to total assets | 60.0504% | 4,674 |
| Net loans and leases to deposits | 66.9719% | 5,258 |
| Net loans and leases to core deposits | 75.9950% | 4,716 |
| Total domestic deposits to total assets | 89.6649% | 1,286 |
| Equity capital to assets | 9.8460% | 3,943 |
| Core capital (leverage) ratio | 10.8522% | 2,266 |
| Tier 1 risk-based capital ratio | 16.0618% | 2,722 |
| Total risk-based capital ratio | 17.2021% | 2,729 |
| Memoranda: | ||
| Average total assets | $70,425,000 | 5,871 |
| Average earning assets | $65,425,600 | 5,817 |
| Average equity | $7,304,400 | 5,932 |
| Average total loans | $44,560,200 | 5,721 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 5,047 |
| Cost of funding earning assets | 1.0280% | 5,814 |
| Net interest margin | 3.9206% | 3,447 |
| Noninterest income to average assets | 0.8726% | 1,899 |
| Noninterest expense to average assets | 2.7104% | 4,836 |
| Loan and lease loss provision to assets | 0.3475% | 3,832 |
| Net operating income to assets | 0.9653% | 2,354 |
| Return on assets (ROA) | 0.9730% | 2,442 |
| Pretax return on assets | 1.4633% | 1,709 |
| Return on Equity (ROE) | 9.2521% | 2,405 |
| Retained earnings to average equity (ytd only) | 3.7449% | 3,828 |
| Net charge-offs to loans | 1.6132% | 1,219 |
| Credit loss provision to net charge-offs | 33.7079% | 6,110 |
| Earnings coverage of net charge-offs (x) | 1.7453% | 4,404 |
| Efficiency ratio | 60.1027% | 5,933 |
| Assets per employee ($millions) | 3.1924% | 5,691 |
| Cash dividends to net income (ytd only)* | 59.5241% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 4,087 |
| Loan loss allowance to noncurrent loans | 69.0200% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.4156% | 4,330 |
| Noncurrent loans to loans | 2.1337% | 3,535 |
| Net loans and leases to total assets | 65.3660% | 3,828 |
| Net loans and leases to deposits | 74.2041% | 4,472 |
| Net loans and leases to core deposits | 98.6538% | 1,974 |
| Total domestic deposits to total assets | 88.0894% | 1,912 |
| Equity capital to assets | 11.1499% | 2,815 |
| Core capital (leverage) ratio | 10.7691% | 2,448 |
| Tier 1 risk-based capital ratio | 16.9482% | 2,360 |
| Total risk-based capital ratio | 18.1797% | 2,325 |
| Memoranda: | ||
| Average total assets | $69,064,250 | 5,971 |
| Average earning assets | $64,071,000 | 5,918 |
| Average equity | $7,263,000 | 6,023 |
| Average total loans | $44,134,750 | 5,823 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 5,697 |
| Cost of funding earning assets | 1.0387% | 5,970 |
| Net interest margin | 3.7879% | 3,946 |
| Noninterest income to average assets | 0.8518% | 1,875 |
| Noninterest expense to average assets | 2.6556% | 5,099 |
| Loan and lease loss provision to assets | 0.4302% | 3,170 |
| Net operating income to assets | 0.8632% | 2,681 |
| Return on assets (ROA) | 0.8632% | 2,817 |
| Pretax return on assets | 1.2905% | 2,122 |
| Return on Equity (ROE) | 8.3700% | 2,727 |
| Retained earnings to average equity (ytd only) | 2.8085% | 4,348 |
| Net charge-offs to loans | 0.8678% | 2,097 |
| Credit loss provision to net charge-offs | 78.5340% | 4,748 |
| Earnings coverage of net charge-offs (x) | 3.1414% | 3,433 |
| Efficiency ratio | 60.6815% | 5,924 |
| Assets per employee ($millions) | 3.3422% | 5,326 |
| Cash dividends to net income (ytd only)* | 66.4452% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2513% | 1,667 |
| Loan loss allowance to noncurrent loans | 74.1762% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.8593% | 3,679 |
| Noncurrent loans to loans | 3.0351% | 2,654 |
| Net loans and leases to total assets | 59.8823% | 5,078 |
| Net loans and leases to deposits | 67.1315% | 5,667 |
| Net loans and leases to core deposits | 88.5940% | 3,468 |
| Total domestic deposits to total assets | 89.2016% | 1,323 |
| Equity capital to assets | 10.3910% | 3,535 |
| Core capital (leverage) ratio | 10.5375% | 2,596 |
| Tier 1 risk-based capital ratio | 16.6377% | 2,425 |
| Total risk-based capital ratio | 17.9195% | 2,361 |
| Memoranda: | ||
| Average total assets | $69,738,670 | 5,987 |
| Average earning assets | $64,890,330 | 5,927 |
| Average equity | $7,192,330 | 6,073 |
| Average total loans | $44,020,670 | 5,866 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 6,242 |
| Cost of funding earning assets | 1.0417% | 6,163 |
| Net interest margin | 3.6583% | 4,445 |
| Noninterest income to average assets | 0.8171% | 1,940 |
| Noninterest expense to average assets | 2.6296% | 5,229 |
| Loan and lease loss provision to assets | 0.5179% | 2,427 |
| Net operating income to assets | 0.7135% | 3,378 |
| Return on assets (ROA) | 0.7135% | 3,487 |
| Pretax return on assets | 1.1048% | 2,717 |
| Return on Equity (ROE) | 6.9448% | 3,370 |
| Retained earnings to average equity (ytd only) | 1.3442% | 5,273 |
| Net charge-offs to loans | 1.6797% | 1,031 |
| Credit loss provision to net charge-offs | 48.1283% | 4,515 |
| Earnings coverage of net charge-offs (x) | 1.5080% | 3,829 |
| Efficiency ratio | 61.8403% | 5,860 |
| Assets per employee ($millions) | 3.1520% | 5,880 |
| Cash dividends to net income (ytd only)* | 80.6452% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1710% | 1,813 |
| Loan loss allowance to noncurrent loans | 56.0886% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.4580% | 2,955 |
| Noncurrent loans to loans | 3.8707% | 2,045 |
| Net loans and leases to total assets | 62.0861% | 4,735 |
| Net loans and leases to deposits | 70.1285% | 5,329 |
| Net loans and leases to core deposits | 88.0509% | 3,620 |
| Total domestic deposits to total assets | 88.5318% | 1,772 |
| Equity capital to assets | 10.8125% | 2,942 |
| Core capital (leverage) ratio | 10.0768% | 3,068 |
| Tier 1 risk-based capital ratio | 16.4763% | 2,463 |
| Total risk-based capital ratio | 17.7480% | 2,403 |
| Memoranda: | ||
| Average total assets | $69,515,000 | 6,059 |
| Average earning assets | $65,277,000 | 5,987 |
| Average equity | $7,142,000 | 6,137 |
| Average total loans | $44,532,500 | 5,911 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 6,247 |
| Cost of funding earning assets | 1.4068% | 5,906 |
| Net interest margin | 3.6474% | 4,360 |
| Noninterest income to average assets | 0.9735% | 1,656 |
| Noninterest expense to average assets | 2.7312% | 5,241 |
| Loan and lease loss provision to assets | 0.5660% | 3,545 |
| Net operating income to assets | 0.7118% | 2,887 |
| Return on assets (ROA) | 0.8570% | 2,397 |
| Pretax return on assets | 1.2732% | 1,772 |
| Return on Equity (ROE) | 8.2143% | 2,283 |
| Retained earnings to average equity (ytd only) | 2.6358% | 3,300 |
| Net charge-offs to loans | 0.2565% | 5,019 |
| Credit loss provision to net charge-offs | 335.3448% | 968 |
| Earnings coverage of net charge-offs (x) | 9.6121% | 1,776 |
| Efficiency ratio | 62.7340% | 6,014 |
| Assets per employee ($millions) | 4.0466% | 3,719 |
| Cash dividends to net income (ytd only)* | 67.9117% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1442% | 1,745 |
| Loan loss allowance to noncurrent loans | 58.5267% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.3683% | 2,932 |
| Noncurrent loans to loans | 3.6636% | 2,051 |
| Net loans and leases to total assets | 63.2197% | 4,766 |
| Net loans and leases to deposits | 70.3710% | 5,558 |
| Net loans and leases to core deposits | 109.6538% | 2,933 |
| Total domestic deposits to total assets | 89.8377% | 1,041 |
| Equity capital to assets | 9.7847% | 4,024 |
| Core capital (leverage) ratio | 10.6898% | 2,441 |
| Tier 1 risk-based capital ratio | 16.7680% | 2,215 |
| Total risk-based capital ratio | 18.0309% | 2,179 |
| Memoranda: | ||
| Average total assets | $68,724,600 | 6,047 |
| Average earning assets | $63,688,400 | 6,011 |
| Average equity | $7,170,400 | 6,212 |
| Average total loans | $45,226,400 | 5,864 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0547% | 6,434 |
| Cost of funding earning assets | 1.4951% | 5,841 |
| Net interest margin | 3.5596% | 4,635 |
| Noninterest income to average assets | 0.9729% | 1,698 |
| Noninterest expense to average assets | 2.7869% | 4,944 |
| Loan and lease loss provision to assets | 0.5298% | 3,266 |
| Net operating income to assets | 0.6539% | 3,385 |
| Return on assets (ROA) | 0.6539% | 3,448 |
| Pretax return on assets | 0.9434% | 3,083 |
| Return on Equity (ROE) | 6.1641% | 3,458 |
| Retained earnings to average equity (ytd only) | 2.4508% | 3,959 |
| Net charge-offs to loans | 0.3008% | 4,146 |
| Credit loss provision to net charge-offs | 266.3366% | 1,594 |
| Earnings coverage of net charge-offs (x) | 7.4061% | 2,410 |
| Efficiency ratio | 65.4184% | 5,471 |
| Assets per employee ($millions) | 3.1294% | 5,833 |
| Cash dividends to net income (ytd only)* | 60.2404% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9924% | 1,821 |
| Loan loss allowance to noncurrent loans | 48.6545% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 2.9429% | 2,349 |
| Noncurrent loans to loans | 4.0949% | 1,784 |
| Net loans and leases to total assets | 67.6664% | 4,030 |
| Net loans and leases to deposits | 77.4978% | 4,821 |
| Net loans and leases to core deposits | 132.4310% | 1,311 |
| Total domestic deposits to total assets | 87.3140% | 2,006 |
| Equity capital to assets | 11.0183% | 2,990 |
| Core capital (leverage) ratio | 10.3147% | 2,958 |
| Tier 1 risk-based capital ratio | 17.1257% | 2,240 |
| Total risk-based capital ratio | 18.3870% | 2,183 |
| Memoranda: | ||
| Average total assets | $67,696,250 | 6,119 |
| Average earning assets | $62,515,000 | 6,085 |
| Average equity | $7,181,250 | 6,264 |
| Average total loans | $44,768,750 | 5,933 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 4,496 |
| Cost of funding earning assets | 1.5439% | 5,954 |
| Net interest margin | 3.9785% | 2,796 |
| Noninterest income to average assets | 0.8748% | 2,080 |
| Noninterest expense to average assets | 2.7474% | 5,189 |
| Loan and lease loss provision to assets | 0.4008% | 3,518 |
| Net operating income to assets | 0.9304% | 2,341 |
| Return on assets (ROA) | 0.9304% | 2,433 |
| Pretax return on assets | 1.3986% | 1,730 |
| Return on Equity (ROE) | 8.8810% | 2,402 |
| Retained earnings to average equity (ytd only) | 6.0883% | 1,974 |
| Net charge-offs to loans | -0.0135% | 7,645 |
| Credit loss provision to net charge-offs | -4,566.6667% | 7,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4247% | 6,477 |
| Assets per employee ($millions) | 3.3351% | 5,224 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 1,538 |
| Loan loss allowance to noncurrent loans | 114.9606% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 4,416 |
| Noncurrent loans to loans | 1.7541% | 3,877 |
| Net loans and leases to total assets | 60.7764% | 5,556 |
| Net loans and leases to deposits | 68.2837% | 6,156 |
| Net loans and leases to core deposits | 108.7282% | 3,525 |
| Total domestic deposits to total assets | 89.0058% | 1,270 |
| Equity capital to assets | 10.3831% | 3,533 |
| Core capital (leverage) ratio | 10.1672% | 3,129 |
| Tier 1 risk-based capital ratio | 16.5113% | 2,445 |
| Total risk-based capital ratio | 17.7707% | 2,384 |
| Memoranda: | ||
| Average total assets | $68,355,670 | 6,138 |
| Average earning assets | $63,089,000 | 6,110 |
| Average equity | $7,161,330 | 6,320 |
| Average total loans | $44,567,330 | 6,002 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 4,551 |
| Cost of funding earning assets | 1.5697% | 6,161 |
| Net interest margin | 3.9944% | 2,666 |
| Noninterest income to average assets | 0.8591% | 2,040 |
| Noninterest expense to average assets | 2.6424% | 5,252 |
| Loan and lease loss provision to assets | 0.5036% | 2,458 |
| Net operating income to assets | 0.9479% | 2,522 |
| Return on assets (ROA) | 0.9479% | 2,651 |
| Pretax return on assets | 1.4219% | 1,906 |
| Return on Equity (ROE) | 9.0065% | 2,718 |
| Retained earnings to average equity (ytd only) | 3.3774% | 4,003 |
| Net charge-offs to loans | -0.0177% | 7,409 |
| Credit loss provision to net charge-offs | -4,250.0000% | 6,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8470% | 6,725 |
| Assets per employee ($millions) | 3.5749% | 4,638 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 1,568 |
| Loan loss allowance to noncurrent loans | 748.1818% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 6,830 |
| Noncurrent loans to loans | 0.2573% | 6,793 |
| Net loans and leases to total assets | 61.7390% | 5,382 |
| Net loans and leases to deposits | 69.5970% | 6,015 |
| Net loans and leases to core deposits | 110.1350% | 3,418 |
| Total domestic deposits to total assets | 88.7093% | 1,377 |
| Equity capital to assets | 10.4869% | 3,475 |
| Core capital (leverage) ratio | 10.1351% | 3,255 |
| Tier 1 risk-based capital ratio | 16.1789% | 2,621 |
| Total risk-based capital ratio | 17.4388% | 2,559 |
| Memoranda: | ||
| Average total assets | $67,515,000 | 6,197 |
| Average earning assets | $62,688,500 | 6,149 |
| Average equity | $7,106,000 | 6,370 |
| Average total loans | $45,130,000 | 6,006 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4374% | 3,237 |
| Cost of funding earning assets | 2.0381% | 6,285 |
| Net interest margin | 4.3994% | 1,684 |
| Noninterest income to average assets | 1.0530% | 1,413 |
| Noninterest expense to average assets | 2.9669% | 4,193 |
| Loan and lease loss provision to assets | 0.2144% | 4,748 |
| Net operating income to assets | 1.3029% | 1,476 |
| Return on assets (ROA) | 1.2976% | 1,442 |
| Pretax return on assets | 1.9710% | 659 |
| Return on Equity (ROE) | 12.0840% | 1,568 |
| Retained earnings to average equity (ytd only) | 6.1677% | 1,459 |
| Net charge-offs to loans | -0.0258% | 7,954 |
| Credit loss provision to net charge-offs | -1,227.2727% | 7,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4946% | 6,776 |
| Assets per employee ($millions) | 3.5319% | 4,589 |
| Cash dividends to net income (ytd only)* | 48.9596% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 2,452 |
| Loan loss allowance to noncurrent loans | 432.9412% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 6,306 |
| Noncurrent loans to loans | 0.3579% | 6,295 |
| Net loans and leases to total assets | 69.6887% | 4,090 |
| Net loans and leases to deposits | 78.4915% | 5,270 |
| Net loans and leases to core deposits | 106.1055% | 4,188 |
| Total domestic deposits to total assets | 88.7851% | 1,117 |
| Equity capital to assets | 10.5637% | 3,432 |
| Core capital (leverage) ratio | 10.9578% | 2,623 |
| Tier 1 risk-based capital ratio | 16.0116% | 2,661 |
| Total risk-based capital ratio | 17.2320% | 2,616 |
| Memoranda: | ||
| Average total assets | $62,961,400 | 6,283 |
| Average earning assets | $58,781,400 | 6,228 |
| Average equity | $6,761,000 | 6,545 |
| Average total loans | $42,710,200 | 6,038 |