Home > Heritage Bank Minnesota > Performance and Condition Ratios
Heritage Bank Minnesota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 1,910 |
| Cost of funding earning assets | 1.2735% | 2,592 |
| Net interest margin | 3.8002% | 1,562 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.1260% | 922 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.4679% | 3,739 |
| Return on assets (ROA) | 0.4679% | 3,737 |
| Pretax return on assets | 0.4841% | 3,837 |
| Return on Equity (ROE) | 7.7900% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.1081% | 1,861 |
| Net charge-offs to loans | 0.0114% | 2,218 |
| Credit loss provision to net charge-offs | 1,312.5000% | 325 |
| Earnings coverage of net charge-offs (x) | 69.3750% | 1,098 |
| Efficiency ratio | 83.9642% | 663 |
| Assets per employee ($millions) | 6.2726% | 2,575 |
| Cash dividends to net income (ytd only)* | 8.7356% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 3,872 |
| Loan loss allowance to noncurrent loans | 108.1699% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 900 |
| Noncurrent loans to loans | 0.7793% | 996 |
| Net loans and leases to total assets | 77.5900% | 902 |
| Net loans and leases to deposits | 96.3573% | 753 |
| Net loans and leases to core deposits | 114.7431% | 790 |
| Total domestic deposits to total assets | 80.5300% | 3,375 |
| Equity capital to assets | 6.1059% | 4,216 |
| Core capital (leverage) ratio | 7.9449% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6370% | 2,675 |
| Memoranda: | ||
| Average total assets | $92,962,200 | 3,887 |
| Average earning assets | $84,101,000 | 3,890 |
| Average equity | $5,585,200 | 4,202 |
| Average total loans | $70,345,400 | 3,541 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9585% | 1,926 |
| Cost of funding earning assets | 1.0702% | 2,830 |
| Net interest margin | 3.8883% | 1,424 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 3.2091% | 810 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.4917% | 3,784 |
| Return on assets (ROA) | 0.4917% | 3,785 |
| Pretax return on assets | 0.5136% | 3,882 |
| Return on Equity (ROE) | 8.2200% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.2910% | 2,202 |
| Net charge-offs to loans | 0.0293% | 1,485 |
| Credit loss provision to net charge-offs | 460.0000% | 675 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,629 |
| Efficiency ratio | 83.9265% | 622 |
| Assets per employee ($millions) | 5.9617% | 2,794 |
| Cash dividends to net income (ytd only)* | 11.3095% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 3,904 |
| Loan loss allowance to noncurrent loans | 183.1361% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 1,610 |
| Noncurrent loans to loans | 0.4574% | 1,680 |
| Net loans and leases to total assets | 76.8300% | 1,012 |
| Net loans and leases to deposits | 86.2872% | 1,536 |
| Net loans and leases to core deposits | 105.7949% | 1,024 |
| Total domestic deposits to total assets | 89.0400% | 1,231 |
| Equity capital to assets | 5.5490% | 4,131 |
| Core capital (leverage) ratio | 8.1295% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5330% | 2,067 |
| Memoranda: | ||
| Average total assets | $91,112,250 | 3,918 |
| Average earning assets | $82,226,500 | 3,919 |
| Average equity | $5,449,500 | 4,225 |
| Average total loans | $68,297,500 | 3,586 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 2,038 |
| Cost of funding earning assets | 0.8365% | 3,111 |
| Net interest margin | 3.9423% | 1,343 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 3.2758% | 707 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5218% | 3,761 |
| Return on assets (ROA) | 0.5218% | 3,770 |
| Pretax return on assets | 0.5352% | 3,903 |
| Return on Equity (ROE) | 8.5100% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.8158% | 2,032 |
| Net charge-offs to loans | 0.0421% | 1,090 |
| Credit loss provision to net charge-offs | 271.4286% | 911 |
| Earnings coverage of net charge-offs (x) | 19.8571% | 1,740 |
| Efficiency ratio | 84.0870% | 588 |
| Assets per employee ($millions) | 5.8926% | 2,802 |
| Cash dividends to net income (ytd only)* | 8.1197% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 3,915 |
| Loan loss allowance to noncurrent loans | 1,015.5172% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,147 |
| Noncurrent loans to loans | 0.0832% | 3,095 |
| Net loans and leases to total assets | 73.2900% | 1,369 |
| Net loans and leases to deposits | 91.3041% | 1,079 |
| Net loans and leases to core deposits | 98.4849% | 1,318 |
| Total domestic deposits to total assets | 80.2700% | 3,535 |
| Equity capital to assets | 5.9567% | 4,171 |
| Core capital (leverage) ratio | 8.4417% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1592% | 2,585 |
| Memoranda: | ||
| Average total assets | $89,687,333 | 3,945 |
| Average earning assets | $80,815,000 | 3,957 |
| Average equity | $5,501,667 | 4,244 |
| Average total loans | $66,429,667 | 3,617 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 1,926 |
| Cost of funding earning assets | 0.5499% | 3,533 |
| Net interest margin | 4.1189% | 1,069 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 3.3963% | 601 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.5538% | 3,787 |
| Return on assets (ROA) | 0.5538% | 3,753 |
| Pretax return on assets | 0.5538% | 3,917 |
| Return on Equity (ROE) | 8.8900% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.8897% | 1,982 |
| Net charge-offs to loans | 0.0679% | 730 |
| Credit loss provision to net charge-offs | 136.3636% | 984 |
| Earnings coverage of net charge-offs (x) | 12.3636% | 1,610 |
| Efficiency ratio | 84.5103% | 566 |
| Assets per employee ($millions) | 5.5253% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 3,961 |
| Loan loss allowance to noncurrent loans | 758.6667% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 2,953 |
| Noncurrent loans to loans | 0.1135% | 2,954 |
| Net loans and leases to total assets | 74.0900% | 1,188 |
| Net loans and leases to deposits | 84.0347% | 1,498 |
| Net loans and leases to core deposits | 89.1634% | 1,667 |
| Total domestic deposits to total assets | 88.1600% | 1,869 |
| Equity capital to assets | 6.4499% | 4,047 |
| Core capital (leverage) ratio | 8.5499% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9080% | 2,421 |
| Memoranda: | ||
| Average total assets | $87,390,500 | 4,025 |
| Average earning assets | $78,565,000 | 4,028 |
| Average equity | $5,444,500 | 4,306 |
| Average total loans | $64,801,000 | 3,682 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 1,478 |
| Cost of funding earning assets | 0.2665% | 3,189 |
| Net interest margin | 3.8338% | 1,094 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 3.3750% | 563 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2352% | 1,644 |
| Return on assets (ROA) | 1.2352% | 1,595 |
| Pretax return on assets | 1.2609% | 2,233 |
| Return on Equity (ROE) | 18.2200% | 672 |
| Retained earnings to average equity (ytd only) | 18.2202% | 132 |
| Net charge-offs to loans | 0.0267% | 1,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 1,172 |
| Efficiency ratio | 72.8017% | 1,352 |
| Assets per employee ($millions) | 5.3986% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 3,816 |
| Loan loss allowance to noncurrent loans | 504.4643% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 2,612 |
| Noncurrent loans to loans | 0.1763% | 2,603 |
| Net loans and leases to total assets | 72.9000% | 1,322 |
| Net loans and leases to deposits | 79.6653% | 1,795 |
| Net loans and leases to core deposits | 84.4425% | 1,851 |
| Total domestic deposits to total assets | 91.5100% | 780 |
| Equity capital to assets | 6.0051% | 4,087 |
| Core capital (leverage) ratio | 8.6827% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1632% | 2,303 |
| Memoranda: | ||
| Average total assets | $81,689,200 | 4,107 |
| Average earning assets | $72,799,800 | 4,125 |
| Average equity | $5,537,800 | 4,381 |
| Average total loans | $56,199,200 | 3,801 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 1,320 |
| Cost of funding earning assets | 0.2419% | 2,793 |
| Net interest margin | 3.7325% | 1,067 |
| Noninterest income to average assets | 1.3200% | 422 |
| Noninterest expense to average assets | 3.3565% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2734% | 1,448 |
| Return on assets (ROA) | 1.2734% | 1,412 |
| Pretax return on assets | 1.2900% | 2,079 |
| Return on Equity (ROE) | 18.2300% | 615 |
| Retained earnings to average equity (ytd only) | 18.2261% | 155 |
| Net charge-offs to loans | 0.0343% | 1,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 55.6429% | 1,227 |
| Efficiency ratio | 72.2381% | 1,482 |
| Assets per employee ($millions) | 5.3049% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 3,693 |
| Loan loss allowance to noncurrent loans | 898.4127% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,151 |
| Noncurrent loans to loans | 0.1056% | 3,124 |
| Net loans and leases to total assets | 69.6100% | 1,513 |
| Net loans and leases to deposits | 73.8019% | 2,075 |
| Net loans and leases to core deposits | 78.1474% | 2,031 |
| Total domestic deposits to total assets | 94.3300% | 313 |
| Equity capital to assets | 5.6363% | 4,090 |
| Core capital (leverage) ratio | 8.6393% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7993% | 2,556 |
| Memoranda: | ||
| Average total assets | $80,517,250 | 4,154 |
| Average earning assets | $71,657,250 | 4,171 |
| Average equity | $5,625,500 | 4,404 |
| Average total loans | $54,364,500 | 3,851 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 1,262 |
| Cost of funding earning assets | 0.2218% | 2,627 |
| Net interest margin | 3.6034% | 1,059 |
| Noninterest income to average assets | 1.8163% | 261 |
| Noninterest expense to average assets | 3.3745% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6468% | 493 |
| Return on assets (ROA) | 1.6468% | 481 |
| Pretax return on assets | 1.6468% | 858 |
| Return on Equity (ROE) | 22.0454% | 192 |
| Retained earnings to average equity (ytd only) | 22.0454% | 50 |
| Net charge-offs to loans | 0.0304% | 1,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 81.3750% | 924 |
| Efficiency ratio | 67.2040% | 2,353 |
| Assets per employee ($millions) | 5.0277% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,492 |
| Loan loss allowance to noncurrent loans | 752.6316% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,061 |
| Noncurrent loans to loans | 0.1362% | 3,025 |
| Net loans and leases to total assets | 68.6474% | 1,426 |
| Net loans and leases to deposits | 73.5401% | 1,914 |
| Net loans and leases to core deposits | 77.1742% | 1,907 |
| Total domestic deposits to total assets | 93.3468% | 424 |
| Equity capital to assets | 6.6184% | 3,967 |
| Core capital (leverage) ratio | 8.8562% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7467% | 2,181 |
| Memoranda: | ||
| Average total assets | $79,063,333 | 4,214 |
| Average earning assets | $70,322,333 | 4,244 |
| Average equity | $5,906,000 | 4,422 |
| Average total loans | $52,601,333 | 3,919 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 1,120 |
| Cost of funding earning assets | 0.2288% | 2,415 |
| Net interest margin | 3.5520% | 980 |
| Noninterest income to average assets | 3.1847% | 152 |
| Noninterest expense to average assets | 3.3736% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.9806% | 79 |
| Return on assets (ROA) | 2.9806% | 78 |
| Pretax return on assets | 2.9806% | 110 |
| Return on Equity (ROE) | 37.6957% | 32 |
| Retained earnings to average equity (ytd only) | 37.6957% | 20 |
| Net charge-offs to loans | -0.0078% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0924% | 4,117 |
| Assets per employee ($millions) | 5.0179% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,152 |
| Loan loss allowance to noncurrent loans | 691.6667% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 3,078 |
| Noncurrent loans to loans | 0.1649% | 2,985 |
| Net loans and leases to total assets | 62.7419% | 1,773 |
| Net loans and leases to deposits | 67.8360% | 2,171 |
| Net loans and leases to core deposits | 69.9849% | 2,293 |
| Total domestic deposits to total assets | 92.4906% | 405 |
| Equity capital to assets | 7.4733% | 3,949 |
| Core capital (leverage) ratio | 8.8098% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9562% | 1,816 |
| Memoranda: | ||
| Average total assets | $78,373,500 | 4,239 |
| Average earning assets | $69,933,000 | 4,267 |
| Average equity | $6,197,000 | 4,448 |
| Average total loans | $51,005,000 | 3,960 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6005% | 511 |
| Cost of funding earning assets | 0.3711% | 1,744 |
| Net interest margin | 4.2294% | 466 |
| Noninterest income to average assets | 0.6899% | 1,800 |
| Noninterest expense to average assets | 3.4617% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9141% | 2,990 |
| Return on assets (ROA) | 0.9141% | 3,052 |
| Pretax return on assets | 1.0067% | 3,246 |
| Return on Equity (ROE) | 11.1267% | 2,121 |
| Retained earnings to average equity (ytd only) | 11.1267% | 679 |
| Net charge-offs to loans | -0.0145% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4707% | 997 |
| Assets per employee ($millions) | 5.0974% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,191 |
| Loan loss allowance to noncurrent loans | 335.2601% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 2,423 |
| Noncurrent loans to loans | 0.3388% | 2,365 |
| Net loans and leases to total assets | 66.0154% | 1,468 |
| Net loans and leases to deposits | 72.0756% | 1,899 |
| Net loans and leases to core deposits | 74.8769% | 2,009 |
| Total domestic deposits to total assets | 91.5918% | 287 |
| Equity capital to assets | 8.3624% | 4,137 |
| Core capital (leverage) ratio | 8.1684% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6406% | 2,390 |
| Memoranda: | ||
| Average total assets | $74,500,400 | 4,283 |
| Average earning assets | $66,557,600 | 4,307 |
| Average equity | $6,120,400 | 4,520 |
| Average total loans | $48,278,800 | 4,034 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 837 |
| Cost of funding earning assets | 0.3766% | 1,881 |
| Net interest margin | 4.0036% | 791 |
| Noninterest income to average assets | 0.7873% | 1,565 |
| Noninterest expense to average assets | 3.3760% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9854% | 2,968 |
| Return on assets (ROA) | 0.9854% | 3,045 |
| Pretax return on assets | 0.9926% | 3,485 |
| Return on Equity (ROE) | 12.0508% | 2,027 |
| Retained earnings to average equity (ytd only) | 12.0508% | 828 |
| Net charge-offs to loans | 0.0140% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 110.2000% | 820 |
| Efficiency ratio | 77.2784% | 935 |
| Assets per employee ($millions) | 5.2516% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,222 |
| Loan loss allowance to noncurrent loans | 1,622.8571% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,856 |
| Noncurrent loans to loans | 0.0706% | 3,739 |
| Net loans and leases to total assets | 62.2134% | 1,979 |
| Net loans and leases to deposits | 70.9110% | 2,154 |
| Net loans and leases to core deposits | 73.6996% | 2,269 |
| Total domestic deposits to total assets | 87.7345% | 1,987 |
| Equity capital to assets | 8.0978% | 4,470 |
| Core capital (leverage) ratio | 8.2408% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0781% | 2,333 |
| Memoranda: | ||
| Average total assets | $74,010,250 | 4,347 |
| Average earning assets | $66,205,000 | 4,363 |
| Average equity | $6,052,000 | 4,589 |
| Average total loans | $47,584,500 | 4,102 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 1,091 |
| Cost of funding earning assets | 0.3903% | 1,967 |
| Net interest margin | 3.8600% | 1,044 |
| Noninterest income to average assets | 0.7705% | 1,613 |
| Noninterest expense to average assets | 3.4133% | 524 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7871% | 3,546 |
| Return on assets (ROA) | 0.7871% | 3,612 |
| Pretax return on assets | 0.7981% | 3,869 |
| Return on Equity (ROE) | 9.5911% | 2,915 |
| Retained earnings to average equity (ytd only) | 9.5911% | 1,531 |
| Net charge-offs to loans | 0.0256% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 48.1667% | 1,085 |
| Efficiency ratio | 81.0492% | 724 |
| Assets per employee ($millions) | 4.6269% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,353 |
| Loan loss allowance to noncurrent loans | 1,667.6471% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,945 |
| Noncurrent loans to loans | 0.0668% | 3,857 |
| Net loans and leases to total assets | 67.9576% | 1,449 |
| Net loans and leases to deposits | 78.0009% | 1,624 |
| Net loans and leases to core deposits | 81.5553% | 1,755 |
| Total domestic deposits to total assets | 87.1241% | 2,254 |
| Equity capital to assets | 8.2345% | 4,408 |
| Core capital (leverage) ratio | 8.1942% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4296% | 2,565 |
| Memoranda: | ||
| Average total assets | $72,422,333 | 4,391 |
| Average earning assets | $64,560,333 | 4,411 |
| Average equity | $5,943,000 | 4,624 |
| Average total loans | $46,920,667 | 4,136 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 1,549 |
| Cost of funding earning assets | 0.4148% | 1,978 |
| Net interest margin | 3.6140% | 1,548 |
| Noninterest income to average assets | 0.8043% | 1,576 |
| Noninterest expense to average assets | 3.2450% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7708% | 3,511 |
| Return on assets (ROA) | 0.7708% | 3,578 |
| Pretax return on assets | 0.7708% | 3,861 |
| Return on Equity (ROE) | 9.4094% | 2,887 |
| Retained earnings to average equity (ytd only) | 9.4094% | 1,823 |
| Net charge-offs to loans | -0.0267% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8067% | 768 |
| Assets per employee ($millions) | 4.6635% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,569 |
| Loan loss allowance to noncurrent loans | 226.7717% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 2,435 |
| Noncurrent loans to loans | 0.5608% | 2,173 |
| Net loans and leases to total assets | 59.9335% | 2,546 |
| Net loans and leases to deposits | 69.3505% | 2,567 |
| Net loans and leases to core deposits | 71.6896% | 2,724 |
| Total domestic deposits to total assets | 86.4211% | 2,564 |
| Equity capital to assets | 7.8160% | 4,587 |
| Core capital (leverage) ratio | 8.3193% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2938% | 2,165 |
| Memoranda: | ||
| Average total assets | $71,618,500 | 4,419 |
| Average earning assets | $63,641,000 | 4,439 |
| Average equity | $5,866,500 | 4,650 |
| Average total loans | $44,943,000 | 4,190 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 1,759 |
| Cost of funding earning assets | 0.4835% | 3,057 |
| Net interest margin | 3.8523% | 1,347 |
| Noninterest income to average assets | 0.9027% | 1,258 |
| Noninterest expense to average assets | 4.0866% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2166% | 4,552 |
| Return on assets (ROA) | 0.3162% | 4,478 |
| Pretax return on assets | 0.3162% | 4,526 |
| Return on Equity (ROE) | 3.5193% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.0618% | 3,319 |
| Net charge-offs to loans | 0.0476% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 6.5238% | 2,776 |
| Efficiency ratio | 94.9669% | 252 |
| Assets per employee ($millions) | 4.2888% | 4,130 |
| Cash dividends to net income (ytd only)* | 13.0000% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,489 |
| Loan loss allowance to noncurrent loans | 209.1241% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 2,391 |
| Noncurrent loans to loans | 0.6145% | 2,163 |
| Net loans and leases to total assets | 64.1451% | 2,335 |
| Net loans and leases to deposits | 75.0260% | 2,377 |
| Net loans and leases to core deposits | 77.5384% | 2,589 |
| Total domestic deposits to total assets | 85.4972% | 2,575 |
| Equity capital to assets | 8.5994% | 4,374 |
| Core capital (leverage) ratio | 8.5599% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5479% | 2,033 |
| Memoranda: | ||
| Average total assets | $63,255,200 | 4,468 |
| Average earning assets | $55,837,400 | 4,498 |
| Average equity | $5,683,000 | 4,679 |
| Average total loans | $44,140,000 | 4,223 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,080 |
| Cost of funding earning assets | 0.4934% | 3,267 |
| Net interest margin | 3.8128% | 1,582 |
| Noninterest income to average assets | 0.9260% | 1,162 |
| Noninterest expense to average assets | 4.3027% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0151% | 4,780 |
| Return on assets (ROA) | 0.1206% | 4,711 |
| Pretax return on assets | 0.1206% | 4,710 |
| Return on Equity (ROE) | 1.3265% | 4,652 |
| Retained earnings to average equity (ytd only) | 0.7107% | 4,336 |
| Net charge-offs to loans | 0.0636% | 1,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 3,148 |
| Efficiency ratio | 100.3516% | 170 |
| Assets per employee ($millions) | 3.6744% | 4,567 |
| Cash dividends to net income (ytd only)* | 46.4286% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,182 |
| Loan loss allowance to noncurrent loans | 238.7500% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 2,697 |
| Noncurrent loans to loans | 0.5420% | 2,445 |
| Net loans and leases to total assets | 66.0871% | 2,507 |
| Net loans and leases to deposits | 77.4396% | 2,596 |
| Net loans and leases to core deposits | 80.1195% | 2,832 |
| Total domestic deposits to total assets | 85.3402% | 2,310 |
| Equity capital to assets | 8.5712% | 4,427 |
| Core capital (leverage) ratio | 8.5920% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6578% | 1,948 |
| Memoranda: | ||
| Average total assets | $61,913,750 | 4,504 |
| Average earning assets | $54,587,000 | 4,534 |
| Average equity | $5,628,500 | 4,704 |
| Average total loans | $44,027,500 | 4,257 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 2,149 |
| Cost of funding earning assets | 0.5027% | 3,517 |
| Net interest margin | 3.9202% | 1,525 |
| Noninterest income to average assets | 0.9090% | 1,145 |
| Noninterest expense to average assets | 4.4724% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1091% | 4,833 |
| Return on assets (ROA) | 0.0992% | 4,720 |
| Pretax return on assets | 0.0992% | 4,729 |
| Return on Equity (ROE) | 1.0686% | 4,679 |
| Retained earnings to average equity (ytd only) | 0.1425% | 4,288 |
| Net charge-offs to loans | 0.0956% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -1.5714% | 2,956 |
| Efficiency ratio | 102.5000% | 153 |
| Assets per employee ($millions) | 3.4349% | 4,695 |
| Cash dividends to net income (ytd only)* | 86.6667% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,098 |
| Loan loss allowance to noncurrent loans | 96.4646% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 1,348 |
| Noncurrent loans to loans | 1.3275% | 1,164 |
| Net loans and leases to total assets | 67.6846% | 2,410 |
| Net loans and leases to deposits | 79.4822% | 2,490 |
| Net loans and leases to core deposits | 82.2742% | 2,760 |
| Total domestic deposits to total assets | 85.1570% | 2,330 |
| Equity capital to assets | 8.6895% | 4,362 |
| Core capital (leverage) ratio | 8.9131% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7383% | 1,915 |
| Memoranda: | ||
| Average total assets | $60,505,000 | 4,534 |
| Average earning assets | $53,313,333 | 4,564 |
| Average equity | $5,615,000 | 4,728 |
| Average total loans | $43,942,333 | 4,263 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7023% | 1,705 |
| Cost of funding earning assets | 0.5173% | 3,859 |
| Net interest margin | 4.1850% | 950 |
| Noninterest income to average assets | 0.3785% | 3,244 |
| Noninterest expense to average assets | 4.5831% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.5299% | 4,936 |
| Return on assets (ROA) | -0.5299% | 4,909 |
| Pretax return on assets | -0.5299% | 4,894 |
| Return on Equity (ROE) | -5.5128% | 4,936 |
| Retained earnings to average equity (ytd only) | -7.3743% | 4,664 |
| Net charge-offs to loans | 0.2021% | 681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 2,510 |
| Efficiency ratio | 113.0730% | 134 |
| Assets per employee ($millions) | 3.1053% | 4,745 |
| Cash dividends to net income (ytd only)* | -33.7662% | 5,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 1,959 |
| Loan loss allowance to noncurrent loans | 95.9732% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0102% | 1,303 |
| Noncurrent loans to loans | 1.3944% | 1,149 |
| Net loans and leases to total assets | 71.4729% | 2,005 |
| Net loans and leases to deposits | 85.3123% | 2,078 |
| Net loans and leases to core deposits | 88.6704% | 2,468 |
| Total domestic deposits to total assets | 83.7780% | 2,860 |
| Equity capital to assets | 9.3966% | 4,311 |
| Core capital (leverage) ratio | 9.5230% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4496% | 1,770 |
| Memoranda: | ||
| Average total assets | $58,126,000 | 4,579 |
| Average earning assets | $51,039,000 | 4,621 |
| Average equity | $5,587,000 | 4,773 |
| Average total loans | $43,540,500 | 4,287 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7780% | 2,110 |
| Cost of funding earning assets | 0.3957% | 4,454 |
| Net interest margin | 4.3824% | 927 |
| Noninterest income to average assets | 0.4692% | 2,905 |
| Noninterest expense to average assets | 3.9422% | 568 |
| Loan and lease loss provision to assets | 0.1100% | 1,896 |
| Net operating income to assets | 0.4563% | 4,494 |
| Return on assets (ROA) | 0.4563% | 4,528 |
| Pretax return on assets | 0.4563% | 4,634 |
| Return on Equity (ROE) | 4.4619% | 4,353 |
| Retained earnings to average equity (ytd only) | 1.9174% | 4,038 |
| Net charge-offs to loans | 0.1707% | 1,181 |
| Credit loss provision to net charge-offs | 81.0811% | 2,782 |
| Earnings coverage of net charge-offs (x) | 4.1757% | 3,248 |
| Efficiency ratio | 87.4390% | 469 |
| Assets per employee ($millions) | 3.0133% | 4,822 |
| Cash dividends to net income (ytd only)* | 57.0281% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 1,746 |
| Loan loss allowance to noncurrent loans | 312.6316% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,521 |
| Noncurrent loans to loans | 0.4285% | 2,913 |
| Net loans and leases to total assets | 76.4096% | 1,340 |
| Net loans and leases to deposits | 91.8898% | 1,380 |
| Net loans and leases to core deposits | 94.7170% | 2,003 |
| Total domestic deposits to total assets | 83.1534% | 3,150 |
| Equity capital to assets | 9.8337% | 4,073 |
| Core capital (leverage) ratio | 10.0739% | 3,435 |
| Tier 1 risk-based capital ratio | 13.9413% | 3,301 |
| Total risk-based capital ratio | 15.1937% | 3,201 |
| Memoranda: | ||
| Average total assets | $54,563,600 | 4,673 |
| Average earning assets | $50,292,600 | 4,664 |
| Average equity | $5,580,600 | 4,815 |
| Average total loans | $43,341,400 | 4,324 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 2,348 |
| Cost of funding earning assets | 0.3628% | 4,623 |
| Net interest margin | 4.3610% | 1,032 |
| Noninterest income to average assets | 0.4107% | 3,254 |
| Noninterest expense to average assets | 3.7358% | 712 |
| Loan and lease loss provision to assets | 0.1113% | 1,755 |
| Net operating income to assets | 0.6383% | 4,190 |
| Return on assets (ROA) | 0.6383% | 4,239 |
| Pretax return on assets | 0.6383% | 4,471 |
| Return on Equity (ROE) | 6.1777% | 3,989 |
| Retained earnings to average equity (ytd only) | 4.7651% | 3,017 |
| Net charge-offs to loans | 0.2166% | 818 |
| Credit loss provision to net charge-offs | 64.2857% | 2,675 |
| Earnings coverage of net charge-offs (x) | 4.3286% | 3,019 |
| Efficiency ratio | 83.2874% | 664 |
| Assets per employee ($millions) | 3.7116% | 4,267 |
| Cash dividends to net income (ytd only)* | 22.8669% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 1,842 |
| Loan loss allowance to noncurrent loans | 315.1351% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 2,625 |
| Noncurrent loans to loans | 0.4217% | 3,039 |
| Net loans and leases to total assets | 77.7580% | 1,179 |
| Net loans and leases to deposits | 94.2461% | 1,201 |
| Net loans and leases to core deposits | 97.2394% | 1,883 |
| Total domestic deposits to total assets | 82.5053% | 3,312 |
| Equity capital to assets | 10.2759% | 3,749 |
| Core capital (leverage) ratio | 10.3833% | 3,220 |
| Tier 1 risk-based capital ratio | 14.7551% | 2,974 |
| Total risk-based capital ratio | 16.0074% | 2,893 |
| Memoranda: | ||
| Average total assets | $53,891,500 | 4,751 |
| Average earning assets | $50,354,000 | 4,736 |
| Average equity | $5,568,250 | 4,880 |
| Average total loans | $43,091,750 | 4,387 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 2,672 |
| Cost of funding earning assets | 0.3058% | 4,813 |
| Net interest margin | 4.2965% | 1,154 |
| Noninterest income to average assets | 0.2852% | 4,037 |
| Noninterest expense to average assets | 3.7150% | 739 |
| Loan and lease loss provision to assets | 0.1126% | 1,669 |
| Net operating income to assets | 0.5178% | 4,494 |
| Return on assets (ROA) | 0.5178% | 4,525 |
| Pretax return on assets | 0.5178% | 4,672 |
| Return on Equity (ROE) | 5.0024% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.6249% | 3,436 |
| Net charge-offs to loans | 0.0700% | 1,659 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 2,219 |
| Efficiency ratio | 85.4922% | 570 |
| Assets per employee ($millions) | 4.1716% | 3,619 |
| Cash dividends to net income (ytd only)* | 27.5362% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,685 |
| Loan loss allowance to noncurrent loans | 190.5199% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 2,215 |
| Noncurrent loans to loans | 0.7259% | 2,179 |
| Net loans and leases to total assets | 81.9144% | 620 |
| Net loans and leases to deposits | 99.6054% | 707 |
| Net loans and leases to core deposits | 102.8596% | 1,481 |
| Total domestic deposits to total assets | 82.2389% | 3,446 |
| Equity capital to assets | 10.3631% | 3,639 |
| Core capital (leverage) ratio | 10.7340% | 2,859 |
| Tier 1 risk-based capital ratio | 14.7312% | 2,947 |
| Total risk-based capital ratio | 15.9854% | 2,876 |
| Memoranda: | ||
| Average total assets | $53,297,330 | 4,800 |
| Average earning assets | $50,366,330 | 4,770 |
| Average equity | $5,517,330 | 4,920 |
| Average total loans | $42,831,000 | 4,425 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 2,574 |
| Cost of funding earning assets | 0.2629% | 4,947 |
| Net interest margin | 4.3254% | 1,051 |
| Noninterest income to average assets | 0.3104% | 3,793 |
| Noninterest expense to average assets | 3.6797% | 773 |
| Loan and lease loss provision to assets | 0.1136% | 1,560 |
| Net operating income to assets | 0.6284% | 4,151 |
| Return on assets (ROA) | 0.6284% | 4,193 |
| Pretax return on assets | 0.6284% | 4,463 |
| Return on Equity (ROE) | 6.0739% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.2931% | 3,602 |
| Net charge-offs to loans | 0.1438% | 895 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 6.5333% | 2,187 |
| Efficiency ratio | 83.2192% | 773 |
| Assets per employee ($millions) | 4.0113% | 3,904 |
| Cash dividends to net income (ytd only)* | 45.7831% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,491 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 4,259 |
| Noncurrent loans to loans | 0.1365% | 4,125 |
| Net loans and leases to total assets | 78.9269% | 1,001 |
| Net loans and leases to deposits | 88.2405% | 1,843 |
| Net loans and leases to core deposits | 90.9750% | 2,404 |
| Total domestic deposits to total assets | 89.4452% | 669 |
| Equity capital to assets | 10.5298% | 3,320 |
| Core capital (leverage) ratio | 10.5303% | 3,016 |
| Tier 1 risk-based capital ratio | 15.4134% | 2,694 |
| Total risk-based capital ratio | 16.6667% | 2,604 |
| Memoranda: | ||
| Average total assets | $52,830,500 | 4,857 |
| Average earning assets | $50,214,500 | 4,825 |
| Average equity | $5,466,000 | 4,969 |
| Average total loans | $41,723,500 | 4,495 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,447 |
| Cost of funding earning assets | 0.2290% | 4,893 |
| Net interest margin | 4.2751% | 1,211 |
| Noninterest income to average assets | 0.4594% | 3,048 |
| Noninterest expense to average assets | 3.5048% | 990 |
| Loan and lease loss provision to assets | 0.1173% | 1,875 |
| Net operating income to assets | 0.8874% | 3,471 |
| Return on assets (ROA) | 0.8053% | 3,789 |
| Pretax return on assets | 0.8053% | 4,157 |
| Return on Equity (ROE) | 7.7388% | 3,554 |
| Retained earnings to average equity (ytd only) | 2.9678% | 3,917 |
| Net charge-offs to loans | 0.0205% | 3,016 |
| Credit loss provision to net charge-offs | 750.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 64.2500% | 980 |
| Efficiency ratio | 77.7200% | 1,158 |
| Assets per employee ($millions) | 4.4595% | 3,228 |
| Cash dividends to net income (ytd only)* | 61.6505% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,422 |
| Loan loss allowance to noncurrent loans | 3,576.4706% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,695 |
| Noncurrent loans to loans | 0.0408% | 4,570 |
| Net loans and leases to total assets | 76.7519% | 1,478 |
| Net loans and leases to deposits | 85.4495% | 2,356 |
| Net loans and leases to core deposits | 88.5881% | 2,696 |
| Total domestic deposits to total assets | 89.8214% | 535 |
| Equity capital to assets | 10.1674% | 3,511 |
| Core capital (leverage) ratio | 10.4958% | 3,031 |
| Tier 1 risk-based capital ratio | 15.2146% | 2,732 |
| Total risk-based capital ratio | 16.4700% | 2,666 |
| Memoranda: | ||
| Average total assets | $51,158,400 | 4,910 |
| Average earning assets | $48,466,200 | 4,883 |
| Average equity | $5,323,800 | 5,000 |
| Average total loans | $39,034,800 | 4,583 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 2,374 |
| Cost of funding earning assets | 0.2258% | 4,915 |
| Net interest margin | 4.2508% | 1,231 |
| Noninterest income to average assets | 0.4508% | 3,167 |
| Noninterest expense to average assets | 3.4275% | 1,079 |
| Loan and lease loss provision to assets | 0.1186% | 1,709 |
| Net operating income to assets | 0.9254% | 3,406 |
| Return on assets (ROA) | 0.8411% | 3,775 |
| Pretax return on assets | 0.8411% | 4,192 |
| Return on Equity (ROE) | 8.0332% | 3,538 |
| Retained earnings to average equity (ytd only) | 1.6368% | 4,688 |
| Net charge-offs to loans | 0.0104% | 3,054 |
| Credit loss provision to net charge-offs | 1,500.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 131.9975% | 615 |
| Efficiency ratio | 76.6509% | 1,274 |
| Assets per employee ($millions) | 4.2470% | 3,509 |
| Cash dividends to net income (ytd only)* | 79.6248% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,313 |
| Loan loss allowance to noncurrent loans | 3,147.3684% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,798 |
| Noncurrent loans to loans | 0.0480% | 4,681 |
| Net loans and leases to total assets | 76.5246% | 1,581 |
| Net loans and leases to deposits | 85.4701% | 2,425 |
| Net loans and leases to core deposits | 88.7715% | 2,771 |
| Total domestic deposits to total assets | 89.5338% | 664 |
| Equity capital to assets | 10.4525% | 3,187 |
| Core capital (leverage) ratio | 10.5536% | 3,029 |
| Tier 1 risk-based capital ratio | 15.6285% | 2,589 |
| Total risk-based capital ratio | 16.8824% | 2,530 |
| Memoranda: | ||
| Average total assets | $50,569,500 | 4,979 |
| Average earning assets | $47,832,500 | 4,956 |
| Average equity | $5,294,500 | 5,062 |
| Average total loans | $38,373,250 | 4,650 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 2,393 |
| Cost of funding earning assets | 0.2224% | 4,905 |
| Net interest margin | 4.1834% | 1,327 |
| Noninterest income to average assets | 0.4322% | 3,278 |
| Noninterest expense to average assets | 3.2951% | 1,333 |
| Loan and lease loss provision to assets | 0.1190% | 1,670 |
| Net operating income to assets | 0.9675% | 3,154 |
| Return on assets (ROA) | 0.9675% | 3,157 |
| Pretax return on assets | 0.9715% | 3,746 |
| Return on Equity (ROE) | 9.2360% | 2,921 |
| Retained earnings to average equity (ytd only) | 1.0599% | 4,741 |
| Net charge-offs to loans | -0.0105% | 4,338 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1356% | 1,539 |
| Assets per employee ($millions) | 4.1944% | 3,590 |
| Cash dividends to net income (ytd only)* | 88.5246% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,386 |
| Loan loss allowance to noncurrent loans | 1,729.4118% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 4,679 |
| Noncurrent loans to loans | 0.0869% | 4,519 |
| Net loans and leases to total assets | 76.5740% | 1,551 |
| Net loans and leases to deposits | 85.5443% | 2,372 |
| Net loans and leases to core deposits | 88.8863% | 2,650 |
| Total domestic deposits to total assets | 89.5138% | 733 |
| Equity capital to assets | 10.4762% | 3,145 |
| Core capital (leverage) ratio | 10.4788% | 3,055 |
| Tier 1 risk-based capital ratio | 16.0655% | 2,413 |
| Total risk-based capital ratio | 17.3210% | 2,351 |
| Memoranda: | ||
| Average total assets | $50,438,000 | 5,041 |
| Average earning assets | $47,664,330 | 5,009 |
| Average equity | $5,283,670 | 5,116 |
| Average total loans | $37,965,000 | 4,706 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 2,549 |
| Cost of funding earning assets | 0.2180% | 4,908 |
| Net interest margin | 4.0744% | 1,505 |
| Noninterest income to average assets | 0.3565% | 3,761 |
| Noninterest expense to average assets | 3.2719% | 1,402 |
| Loan and lease loss provision to assets | 0.1188% | 1,587 |
| Net operating income to assets | 0.8160% | 3,642 |
| Return on assets (ROA) | 0.8160% | 3,653 |
| Pretax return on assets | 0.8160% | 4,109 |
| Return on Equity (ROE) | 7.7898% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.6133% | 3,355 |
| Net charge-offs to loans | -0.0642% | 5,075 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,373 |
| Assets per employee ($millions) | 4.2491% | 3,566 |
| Cash dividends to net income (ytd only)* | 40.7767% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,315 |
| Loan loss allowance to noncurrent loans | 2,137.0370% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,835 |
| Noncurrent loans to loans | 0.0722% | 4,657 |
| Net loans and leases to total assets | 72.2470% | 2,126 |
| Net loans and leases to deposits | 80.6507% | 2,734 |
| Net loans and leases to core deposits | 84.2011% | 2,962 |
| Total domestic deposits to total assets | 89.5801% | 845 |
| Equity capital to assets | 10.4081% | 3,164 |
| Core capital (leverage) ratio | 10.6803% | 2,754 |
| Tier 1 risk-based capital ratio | 16.3869% | 2,328 |
| Total risk-based capital ratio | 17.6413% | 2,265 |
| Memoranda: | ||
| Average total assets | $50,490,500 | 5,101 |
| Average earning assets | $47,712,500 | 5,068 |
| Average equity | $5,289,000 | 5,170 |
| Average total loans | $37,382,500 | 4,771 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 1,997 |
| Cost of funding earning assets | 0.2132% | 4,843 |
| Net interest margin | 4.1981% | 1,191 |
| Noninterest income to average assets | 0.5799% | 2,550 |
| Noninterest expense to average assets | 3.4735% | 1,080 |
| Loan and lease loss provision to assets | 0.2223% | 891 |
| Net operating income to assets | 0.8608% | 2,914 |
| Return on assets (ROA) | 0.8608% | 2,934 |
| Pretax return on assets | 0.8628% | 4,039 |
| Return on Equity (ROE) | 8.2024% | 2,698 |
| Retained earnings to average equity (ytd only) | 2.7341% | 3,676 |
| Net charge-offs to loans | 0.0307% | 3,183 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 48.8182% | 1,104 |
| Efficiency ratio | 76.1968% | 1,587 |
| Assets per employee ($millions) | 4.1660% | 3,706 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 1,444 |
| Loan loss allowance to noncurrent loans | 2,780.0000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,934 |
| Noncurrent loans to loans | 0.0535% | 4,755 |
| Net loans and leases to total assets | 73.5998% | 1,987 |
| Net loans and leases to deposits | 82.2837% | 2,693 |
| Net loans and leases to core deposits | 84.7358% | 3,004 |
| Total domestic deposits to total assets | 89.4463% | 799 |
| Equity capital to assets | 10.5437% | 3,116 |
| Core capital (leverage) ratio | 10.6949% | 2,655 |
| Tier 1 risk-based capital ratio | 15.9553% | 2,443 |
| Total risk-based capital ratio | 17.2117% | 2,387 |
| Memoranda: | ||
| Average total assets | $49,488,800 | 5,170 |
| Average earning assets | $46,902,400 | 5,127 |
| Average equity | $5,193,600 | 5,239 |
| Average total loans | $35,804,200 | 4,852 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,124 |
| Cost of funding earning assets | 0.2132% | 4,864 |
| Net interest margin | 4.1311% | 1,313 |
| Noninterest income to average assets | 0.6023% | 2,474 |
| Noninterest expense to average assets | 3.3979% | 1,161 |
| Loan and lease loss provision to assets | 0.1215% | 1,781 |
| Net operating income to assets | 1.0075% | 2,519 |
| Return on assets (ROA) | 1.0075% | 2,560 |
| Pretax return on assets | 1.0075% | 3,657 |
| Return on Equity (ROE) | 9.6114% | 2,300 |
| Retained earnings to average equity (ytd only) | 2.2933% | 4,495 |
| Net charge-offs to loans | 0.0188% | 3,116 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 83.5562% | 790 |
| Efficiency ratio | 75.0597% | 1,732 |
| Assets per employee ($millions) | 3.8432% | 4,244 |
| Cash dividends to net income (ytd only)* | 76.1401% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,962 |
| Loan loss allowance to noncurrent loans | 1,603.2258% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 4,923 |
| Noncurrent loans to loans | 0.0863% | 4,727 |
| Net loans and leases to total assets | 70.9379% | 2,418 |
| Net loans and leases to deposits | 79.2301% | 3,042 |
| Net loans and leases to core deposits | 81.5865% | 3,321 |
| Total domestic deposits to total assets | 89.5340% | 647 |
| Equity capital to assets | 10.4539% | 3,418 |
| Core capital (leverage) ratio | 10.9190% | 2,532 |
| Tier 1 risk-based capital ratio | 16.7319% | 2,242 |
| Total risk-based capital ratio | 17.9864% | 2,193 |
| Memoranda: | ||
| Average total assets | $49,363,000 | 5,227 |
| Average earning assets | $46,895,500 | 5,183 |
| Average equity | $5,174,250 | 5,300 |
| Average total loans | $35,417,750 | 4,907 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,084 |
| Cost of funding earning assets | 0.2101% | 4,890 |
| Net interest margin | 4.1026% | 1,320 |
| Noninterest income to average assets | 0.6997% | 1,993 |
| Noninterest expense to average assets | 3.4294% | 1,111 |
| Loan and lease loss provision to assets | 0.1220% | 1,701 |
| Net operating income to assets | 1.0414% | 2,243 |
| Return on assets (ROA) | 1.0414% | 2,283 |
| Pretax return on assets | 1.0414% | 3,399 |
| Return on Equity (ROE) | 9.9263% | 2,067 |
| Retained earnings to average equity (ytd only) | 0.5428% | 4,966 |
| Net charge-offs to loans | 0.0057% | 3,261 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 297 |
| Efficiency ratio | 74.6678% | 1,904 |
| Assets per employee ($millions) | 3.8032% | 4,275 |
| Cash dividends to net income (ytd only)* | 94.5313% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 2,028 |
| Loan loss allowance to noncurrent loans | 3,471.4286% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,151 |
| Noncurrent loans to loans | 0.0398% | 4,997 |
| Net loans and leases to total assets | 70.1590% | 2,504 |
| Net loans and leases to deposits | 78.3078% | 3,085 |
| Net loans and leases to core deposits | 79.8214% | 3,433 |
| Total domestic deposits to total assets | 89.5939% | 686 |
| Equity capital to assets | 10.3980% | 3,459 |
| Core capital (leverage) ratio | 10.7611% | 2,636 |
| Tier 1 risk-based capital ratio | 17.1133% | 2,133 |
| Total risk-based capital ratio | 18.3690% | 2,076 |
| Memoranda: | ||
| Average total assets | $49,163,330 | 5,272 |
| Average earning assets | $46,653,670 | 5,224 |
| Average equity | $5,158,000 | 5,335 |
| Average total loans | $35,244,000 | 4,946 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 1,920 |
| Cost of funding earning assets | 0.2066% | 4,917 |
| Net interest margin | 4.1067% | 1,201 |
| Noninterest income to average assets | 0.7914% | 1,587 |
| Noninterest expense to average assets | 3.4758% | 1,077 |
| Loan and lease loss provision to assets | 0.1224% | 1,567 |
| Net operating income to assets | 1.0852% | 1,930 |
| Return on assets (ROA) | 1.0852% | 1,973 |
| Pretax return on assets | 1.0852% | 3,043 |
| Return on Equity (ROE) | 10.2971% | 1,828 |
| Retained earnings to average equity (ytd only) | 7.8970% | 1,505 |
| Net charge-offs to loans | -0.0227% | 4,809 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2160% | 2,198 |
| Assets per employee ($millions) | 3.7423% | 4,430 |
| Cash dividends to net income (ytd only)* | 23.3083% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 2,207 |
| Loan loss allowance to noncurrent loans | 261.8785% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 3,715 |
| Noncurrent loans to loans | 0.5235% | 3,244 |
| Net loans and leases to total assets | 70.0946% | 2,364 |
| Net loans and leases to deposits | 78.5339% | 2,912 |
| Net loans and leases to core deposits | 79.1500% | 3,371 |
| Total domestic deposits to total assets | 89.2539% | 1,024 |
| Equity capital to assets | 10.7338% | 2,921 |
| Core capital (leverage) ratio | 10.8259% | 2,575 |
| Tier 1 risk-based capital ratio | 17.7344% | 1,965 |
| Total risk-based capital ratio | 18.9901% | 1,915 |
| Memoranda: | ||
| Average total assets | $49,024,000 | 5,332 |
| Average earning assets | $46,461,000 | 5,286 |
| Average equity | $5,166,500 | 5,386 |
| Average total loans | $35,279,000 | 4,990 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 1,343 |
| Cost of funding earning assets | 0.2345% | 4,699 |
| Net interest margin | 4.3402% | 868 |
| Noninterest income to average assets | 0.3330% | 4,350 |
| Noninterest expense to average assets | 3.4861% | 1,192 |
| Loan and lease loss provision to assets | 0.1233% | 2,006 |
| Net operating income to assets | 0.8304% | 3,154 |
| Return on assets (ROA) | 0.8304% | 3,266 |
| Pretax return on assets | 0.8325% | 4,082 |
| Return on Equity (ROE) | 8.0082% | 2,928 |
| Retained earnings to average equity (ytd only) | 2.2994% | 4,216 |
| Net charge-offs to loans | 0.0116% | 3,883 |
| Credit loss provision to net charge-offs | 1,500.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 116.2500% | 521 |
| Efficiency ratio | 78.4822% | 1,629 |
| Assets per employee ($millions) | 3.7998% | 4,313 |
| Cash dividends to net income (ytd only)* | 71.2871% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,704 |
| Loan loss allowance to noncurrent loans | 278.6585% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 3,510 |
| Noncurrent loans to loans | 0.4558% | 3,520 |
| Net loans and leases to total assets | 71.9179% | 2,176 |
| Net loans and leases to deposits | 80.2285% | 2,864 |
| Net loans and leases to core deposits | 80.8456% | 3,320 |
| Total domestic deposits to total assets | 89.6413% | 801 |
| Equity capital to assets | 10.3466% | 3,331 |
| Core capital (leverage) ratio | 10.5039% | 2,878 |
| Tier 1 risk-based capital ratio | 16.3543% | 2,402 |
| Total risk-based capital ratio | 17.6081% | 2,338 |
| Memoranda: | ||
| Average total assets | $48,650,800 | 5,373 |
| Average earning assets | $46,058,200 | 5,332 |
| Average equity | $5,044,800 | 5,461 |
| Average total loans | $34,426,800 | 5,057 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 1,402 |
| Cost of funding earning assets | 0.2383% | 4,723 |
| Net interest margin | 4.3121% | 908 |
| Noninterest income to average assets | 0.3411% | 4,341 |
| Noninterest expense to average assets | 3.4004% | 1,338 |
| Loan and lease loss provision to assets | 0.1238% | 1,878 |
| Net operating income to assets | 0.8969% | 2,922 |
| Return on assets (ROA) | 0.8969% | 3,060 |
| Pretax return on assets | 0.8996% | 3,980 |
| Return on Equity (ROE) | 8.6444% | 2,691 |
| Retained earnings to average equity (ytd only) | 1.0077% | 5,087 |
| Net charge-offs to loans | 0.0196% | 3,308 |
| Credit loss provision to net charge-offs | 900.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 74.3613% | 828 |
| Efficiency ratio | 76.8657% | 1,852 |
| Assets per employee ($millions) | 3.5584% | 4,708 |
| Cash dividends to net income (ytd only)* | 88.3426% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,852 |
| Loan loss allowance to noncurrent loans | 347.2441% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,972 |
| Noncurrent loans to loans | 0.3653% | 3,950 |
| Net loans and leases to total assets | 68.9042% | 2,657 |
| Net loans and leases to deposits | 78.4845% | 3,137 |
| Net loans and leases to core deposits | 79.0139% | 3,550 |
| Total domestic deposits to total assets | 87.7933% | 1,509 |
| Equity capital to assets | 10.1853% | 3,935 |
| Core capital (leverage) ratio | 10.3884% | 3,120 |
| Tier 1 risk-based capital ratio | 16.7017% | 2,334 |
| Total risk-based capital ratio | 17.9526% | 2,281 |
| Memoranda: | ||
| Average total assets | $48,464,000 | 5,429 |
| Average earning assets | $45,885,250 | 5,388 |
| Average equity | $5,028,250 | 5,522 |
| Average total loans | $34,037,750 | 5,113 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 1,876 |
| Cost of funding earning assets | 0.2379% | 4,775 |
| Net interest margin | 4.1453% | 1,245 |
| Noninterest income to average assets | 0.3374% | 4,368 |
| Noninterest expense to average assets | 3.4907% | 1,177 |
| Loan and lease loss provision to assets | 0.1250% | 1,828 |
| Net operating income to assets | 0.6373% | 4,110 |
| Return on assets (ROA) | 0.6373% | 4,254 |
| Pretax return on assets | 0.6415% | 4,784 |
| Return on Equity (ROE) | 6.1041% | 4,001 |
| Retained earnings to average equity (ytd only) | -4.1492% | 5,704 |
| Net charge-offs to loans | 0.0296% | 2,884 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 36.8000% | 1,220 |
| Efficiency ratio | 81.9961% | 1,270 |
| Assets per employee ($millions) | 3.4675% | 4,805 |
| Cash dividends to net income (ytd only)* | 167.9739% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 3,207 |
| Loan loss allowance to noncurrent loans | 409.6154% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 4,203 |
| Noncurrent loans to loans | 0.2995% | 4,299 |
| Net loans and leases to total assets | 70.6479% | 2,376 |
| Net loans and leases to deposits | 80.4900% | 2,874 |
| Net loans and leases to core deposits | 81.1317% | 3,351 |
| Total domestic deposits to total assets | 87.7722% | 1,543 |
| Equity capital to assets | 10.1535% | 4,022 |
| Core capital (leverage) ratio | 10.3616% | 3,121 |
| Tier 1 risk-based capital ratio | 16.1856% | 2,558 |
| Total risk-based capital ratio | 17.4390% | 2,501 |
| Memoranda: | ||
| Average total assets | $48,013,000 | 5,500 |
| Average earning assets | $45,401,000 | 5,466 |
| Average equity | $5,013,000 | 5,584 |
| Average total loans | $33,794,670 | 5,177 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,316 |
| Cost of funding earning assets | 0.2388% | 4,819 |
| Net interest margin | 4.0069% | 1,592 |
| Noninterest income to average assets | 0.2513% | 4,947 |
| Noninterest expense to average assets | 3.2924% | 1,623 |
| Loan and lease loss provision to assets | 0.1257% | 1,687 |
| Net operating income to assets | 0.6283% | 4,066 |
| Return on assets (ROA) | 0.6283% | 4,181 |
| Pretax return on assets | 0.6283% | 4,736 |
| Return on Equity (ROE) | 5.9347% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.5391% | 2,616 |
| Net charge-offs to loans | -0.0120% | 4,608 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3665% | 1,446 |
| Assets per employee ($millions) | 3.4016% | 4,967 |
| Cash dividends to net income (ytd only)* | 6.6667% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 3,149 |
| Loan loss allowance to noncurrent loans | 222.9947% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 4,019 |
| Noncurrent loans to loans | 0.5629% | 3,501 |
| Net loans and leases to total assets | 68.8806% | 2,515 |
| Net loans and leases to deposits | 77.1454% | 3,091 |
| Net loans and leases to core deposits | 77.7617% | 3,515 |
| Total domestic deposits to total assets | 89.2867% | 957 |
| Equity capital to assets | 10.6986% | 3,259 |
| Core capital (leverage) ratio | 10.8837% | 2,534 |
| Tier 1 risk-based capital ratio | 17.6552% | 2,085 |
| Total risk-based capital ratio | 18.9069% | 2,046 |
| Memoranda: | ||
| Average total assets | $47,747,000 | 5,558 |
| Average earning assets | $45,221,500 | 5,518 |
| Average equity | $5,055,000 | 5,614 |
| Average total loans | $33,331,000 | 5,231 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 1,963 |
| Cost of funding earning assets | 0.2499% | 4,789 |
| Net interest margin | 4.1318% | 1,334 |
| Noninterest income to average assets | 0.2802% | 4,877 |
| Noninterest expense to average assets | 3.4356% | 1,424 |
| Loan and lease loss provision to assets | 0.1264% | 1,911 |
| Net operating income to assets | 0.6530% | 4,022 |
| Return on assets (ROA) | 0.6530% | 4,122 |
| Pretax return on assets | 0.6530% | 4,669 |
| Return on Equity (ROE) | 6.3124% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.9074% | 2,489 |
| Net charge-offs to loans | 0.0031% | 4,355 |
| Credit loss provision to net charge-offs | 6,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 370.0000% | 180 |
| Efficiency ratio | 81.5092% | 1,471 |
| Assets per employee ($millions) | 3.4194% | 4,950 |
| Cash dividends to net income (ytd only)* | 22.2581% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 3,492 |
| Loan loss allowance to noncurrent loans | 646.7742% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 5,077 |
| Noncurrent loans to loans | 0.1854% | 4,743 |
| Net loans and leases to total assets | 69.0209% | 2,542 |
| Net loans and leases to deposits | 77.1103% | 3,149 |
| Net loans and leases to core deposits | 77.7216% | 3,575 |
| Total domestic deposits to total assets | 89.5093% | 849 |
| Equity capital to assets | 10.4761% | 3,387 |
| Core capital (leverage) ratio | 10.4926% | 2,940 |
| Tier 1 risk-based capital ratio | 17.2296% | 2,210 |
| Total risk-based capital ratio | 18.4817% | 2,161 |
| Memoranda: | ||
| Average total assets | $47,474,000 | 5,600 |
| Average earning assets | $45,210,600 | 5,551 |
| Average equity | $4,911,000 | 5,675 |
| Average total loans | $32,082,000 | 5,291 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,210 |
| Cost of funding earning assets | 0.2508% | 4,873 |
| Net interest margin | 4.0545% | 1,545 |
| Noninterest income to average assets | 0.2730% | 4,985 |
| Noninterest expense to average assets | 3.3772% | 1,518 |
| Loan and lease loss provision to assets | 0.1266% | 1,782 |
| Net operating income to assets | 0.6332% | 4,225 |
| Return on assets (ROA) | 0.6332% | 4,336 |
| Pretax return on assets | 0.6360% | 4,880 |
| Return on Equity (ROE) | 6.1410% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.2577% | 3,435 |
| Net charge-offs to loans | -0.0546% | 5,571 |
| Credit loss provision to net charge-offs | -346.1538% | 5,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5772% | 1,452 |
| Assets per employee ($millions) | 3.4203% | 4,941 |
| Cash dividends to net income (ytd only)* | 30.6677% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 3,580 |
| Loan loss allowance to noncurrent loans | 1,081.0811% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 5,451 |
| Noncurrent loans to loans | 0.1121% | 5,183 |
| Net loans and leases to total assets | 68.0749% | 2,663 |
| Net loans and leases to deposits | 75.9412% | 3,311 |
| Net loans and leases to core deposits | 77.0943% | 3,685 |
| Total domestic deposits to total assets | 89.6416% | 715 |
| Equity capital to assets | 10.3417% | 3,767 |
| Core capital (leverage) ratio | 10.3859% | 3,175 |
| Tier 1 risk-based capital ratio | 17.3723% | 2,227 |
| Total risk-based capital ratio | 18.6249% | 2,179 |
| Memoranda: | ||
| Average total assets | $47,374,750 | 5,671 |
| Average earning assets | $45,183,500 | 5,623 |
| Average equity | $4,885,000 | 5,753 |
| Average total loans | $31,742,000 | 5,363 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 2,202 |
| Cost of funding earning assets | 0.2537% | 4,896 |
| Net interest margin | 4.0363% | 1,529 |
| Noninterest income to average assets | 0.2796% | 4,949 |
| Noninterest expense to average assets | 3.3047% | 1,690 |
| Loan and lease loss provision to assets | 0.1271% | 1,747 |
| Net operating income to assets | 0.6906% | 3,937 |
| Return on assets (ROA) | 0.6906% | 4,047 |
| Pretax return on assets | 0.6906% | 4,684 |
| Return on Equity (ROE) | 6.7041% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.1283% | 2,157 |
| Net charge-offs to loans | -0.0830% | 5,718 |
| Credit loss provision to net charge-offs | -230.7692% | 5,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1644% | 1,733 |
| Assets per employee ($millions) | 3.3150% | 5,138 |
| Cash dividends to net income (ytd only)* | 8.5890% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 3,765 |
| Loan loss allowance to noncurrent loans | 1,203.1250% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 5,587 |
| Noncurrent loans to loans | 0.1001% | 5,341 |
| Net loans and leases to total assets | 68.0478% | 2,636 |
| Net loans and leases to deposits | 76.1483% | 3,254 |
| Net loans and leases to core deposits | 77.3438% | 3,636 |
| Total domestic deposits to total assets | 89.3622% | 967 |
| Equity capital to assets | 10.6249% | 3,295 |
| Core capital (leverage) ratio | 10.4588% | 3,013 |
| Tier 1 risk-based capital ratio | 18.0580% | 2,049 |
| Total risk-based capital ratio | 19.3109% | 2,003 |
| Memoranda: | ||
| Average total assets | $47,205,000 | 5,738 |
| Average earning assets | $44,942,670 | 5,687 |
| Average equity | $4,862,670 | 5,812 |
| Average total loans | $31,323,670 | 5,419 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 2,610 |
| Cost of funding earning assets | 0.2560% | 4,954 |
| Net interest margin | 3.9017% | 1,891 |
| Noninterest income to average assets | 0.2437% | 5,227 |
| Noninterest expense to average assets | 3.3360% | 1,636 |
| Loan and lease loss provision to assets | 0.1260% | 1,644 |
| Net operating income to assets | 0.4958% | 4,703 |
| Return on assets (ROA) | 0.4958% | 4,823 |
| Pretax return on assets | 0.4958% | 5,189 |
| Return on Equity (ROE) | 4.8876% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.3078% | 3,428 |
| Net charge-offs to loans | -0.0516% | 5,531 |
| Credit loss provision to net charge-offs | -375.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2887% | 1,344 |
| Assets per employee ($millions) | 3.6993% | 4,517 |
| Cash dividends to net income (ytd only)* | 11.8644% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 4,155 |
| Loan loss allowance to noncurrent loans | 1,031.4286% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 5,648 |
| Noncurrent loans to loans | 0.1133% | 5,357 |
| Net loans and leases to total assets | 63.4984% | 3,162 |
| Net loans and leases to deposits | 70.6548% | 3,671 |
| Net loans and leases to core deposits | 71.7168% | 3,997 |
| Total domestic deposits to total assets | 89.8713% | 801 |
| Equity capital to assets | 10.1121% | 4,004 |
| Core capital (leverage) ratio | 10.1559% | 3,396 |
| Tier 1 risk-based capital ratio | 14.6880% | 3,612 |
| Total risk-based capital ratio | 15.7788% | 3,635 |
| Memoranda: | ||
| Average total assets | $47,602,500 | 5,780 |
| Average earning assets | $45,314,000 | 5,732 |
| Average equity | $4,828,500 | 5,879 |
| Average total loans | $31,002,500 | 5,473 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 2,729 |
| Cost of funding earning assets | 0.2809% | 4,996 |
| Net interest margin | 3.9817% | 1,951 |
| Noninterest income to average assets | 0.3738% | 4,394 |
| Noninterest expense to average assets | 3.4760% | 1,539 |
| Loan and lease loss provision to assets | 0.0634% | 3,250 |
| Net operating income to assets | 0.5765% | 4,476 |
| Return on assets (ROA) | 0.7476% | 3,734 |
| Pretax return on assets | 0.7476% | 4,451 |
| Return on Equity (ROE) | 7.5419% | 3,354 |
| Retained earnings to average equity (ytd only) | 5.5818% | 2,206 |
| Net charge-offs to loans | 0.7370% | 490 |
| Credit loss provision to net charge-offs | 14.7059% | 4,045 |
| Earnings coverage of net charge-offs (x) | 1.4853% | 4,407 |
| Efficiency ratio | 84.4536% | 1,350 |
| Assets per employee ($millions) | 3.6242% | 4,677 |
| Cash dividends to net income (ytd only)* | 25.9887% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 4,543 |
| Loan loss allowance to noncurrent loans | 1,710.0000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 5,868 |
| Noncurrent loans to loans | 0.0643% | 5,622 |
| Net loans and leases to total assets | 65.2991% | 3,002 |
| Net loans and leases to deposits | 72.7082% | 3,596 |
| Net loans and leases to core deposits | 73.8230% | 3,933 |
| Total domestic deposits to total assets | 89.8098% | 821 |
| Equity capital to assets | 10.1753% | 3,888 |
| Core capital (leverage) ratio | 10.2009% | 3,305 |
| Tier 1 risk-based capital ratio | 16.8992% | 2,551 |
| Total risk-based capital ratio | 18.1010% | 2,520 |
| Memoranda: | ||
| Average total assets | $47,353,000 | 5,847 |
| Average earning assets | $44,503,200 | 5,815 |
| Average equity | $4,693,800 | 5,928 |
| Average total loans | $27,680,000 | 5,665 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,949 |
| Cost of funding earning assets | 0.2848% | 5,050 |
| Net interest margin | 3.9268% | 2,132 |
| Noninterest income to average assets | 0.3796% | 4,401 |
| Noninterest expense to average assets | 3.3970% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6665% | 4,121 |
| Return on assets (ROA) | 0.8127% | 3,466 |
| Pretax return on assets | 0.8127% | 4,321 |
| Return on Equity (ROE) | 8.2532% | 3,065 |
| Retained earnings to average equity (ytd only) | 5.6259% | 2,650 |
| Net charge-offs to loans | 0.7456% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.5800% | 4,121 |
| Efficiency ratio | 83.5986% | 1,436 |
| Assets per employee ($millions) | 3.5809% | 4,717 |
| Cash dividends to net income (ytd only)* | 31.8333% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 3,772 |
| Loan loss allowance to noncurrent loans | 273.1343% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 4,418 |
| Noncurrent loans to loans | 0.4672% | 4,508 |
| Net loans and leases to total assets | 60.8202% | 3,655 |
| Net loans and leases to deposits | 67.7377% | 4,161 |
| Net loans and leases to core deposits | 68.7877% | 4,431 |
| Total domestic deposits to total assets | 89.7878% | 829 |
| Equity capital to assets | 10.1929% | 3,940 |
| Core capital (leverage) ratio | 10.0370% | 3,627 |
| Tier 1 risk-based capital ratio | 17.7459% | 2,295 |
| Total risk-based capital ratio | 18.9990% | 2,257 |
| Memoranda: | ||
| Average total assets | $47,412,750 | 5,912 |
| Average earning assets | $44,479,750 | 5,883 |
| Average equity | $4,668,750 | 5,997 |
| Average total loans | $26,823,250 | 5,762 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 3,134 |
| Cost of funding earning assets | 0.2865% | 5,114 |
| Net interest margin | 3.8673% | 2,307 |
| Noninterest income to average assets | 0.3396% | 4,712 |
| Noninterest expense to average assets | 3.2956% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6625% | 4,032 |
| Return on assets (ROA) | 0.8805% | 2,991 |
| Pretax return on assets | 0.8847% | 3,941 |
| Return on Equity (ROE) | 9.0452% | 2,570 |
| Retained earnings to average equity (ytd only) | 7.4946% | 1,523 |
| Net charge-offs to loans | -0.0305% | 5,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1746% | 1,609 |
| Assets per employee ($millions) | 3.6095% | 4,637 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 1,661 |
| Loan loss allowance to noncurrent loans | 112.7983% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.0528% | 2,964 |
| Noncurrent loans to loans | 1.6543% | 2,100 |
| Net loans and leases to total assets | 58.2793% | 3,954 |
| Net loans and leases to deposits | 64.8279% | 4,398 |
| Net loans and leases to core deposits | 65.9011% | 4,651 |
| Total domestic deposits to total assets | 89.8986% | 858 |
| Equity capital to assets | 10.0823% | 3,998 |
| Core capital (leverage) ratio | 9.8904% | 3,758 |
| Tier 1 risk-based capital ratio | 18.0680% | 2,216 |
| Total risk-based capital ratio | 19.3272% | 2,183 |
| Memoranda: | ||
| Average total assets | $47,699,670 | 5,961 |
| Average earning assets | $44,682,000 | 5,925 |
| Average equity | $4,643,330 | 6,045 |
| Average total loans | $26,204,670 | 5,836 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,640 |
| Cost of funding earning assets | 0.2846% | 5,225 |
| Net interest margin | 3.7259% | 2,767 |
| Noninterest income to average assets | 0.3494% | 4,579 |
| Noninterest expense to average assets | 3.3189% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5157% | 4,609 |
| Return on assets (ROA) | 0.5157% | 4,685 |
| Pretax return on assets | 0.5157% | 5,119 |
| Return on Equity (ROE) | 5.3919% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.3919% | 2,859 |
| Net charge-offs to loans | -0.0158% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5510% | 1,384 |
| Assets per employee ($millions) | 3.7425% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0078% | 1,504 |
| Loan loss allowance to noncurrent loans | 144.0111% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 3,726 |
| Noncurrent loans to loans | 1.3942% | 2,696 |
| Net loans and leases to total assets | 51.8632% | 4,690 |
| Net loans and leases to deposits | 57.3360% | 5,001 |
| Net loans and leases to core deposits | 58.2439% | 5,184 |
| Total domestic deposits to total assets | 90.4549% | 826 |
| Equity capital to assets | 9.5266% | 4,465 |
| Core capital (leverage) ratio | 9.6744% | 4,029 |
| Tier 1 risk-based capital ratio | 18.5190% | 2,116 |
| Total risk-based capital ratio | 19.7806% | 2,076 |
| Memoranda: | ||
| Average total assets | $48,087,500 | 6,000 |
| Average earning assets | $44,983,000 | 5,972 |
| Average equity | $4,599,500 | 6,100 |
| Average total loans | $25,373,500 | 5,917 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 3,495 |
| Cost of funding earning assets | 0.3478% | 5,161 |
| Net interest margin | 3.8130% | 2,605 |
| Noninterest income to average assets | 0.3346% | 4,937 |
| Noninterest expense to average assets | 3.3008% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6341% | 4,102 |
| Return on assets (ROA) | 0.6341% | 4,208 |
| Pretax return on assets | 0.6341% | 4,755 |
| Return on Equity (ROE) | 6.7675% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.7675% | 1,548 |
| Net charge-offs to loans | 0.3701% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.4111% | 3,862 |
| Efficiency ratio | 83.8845% | 1,636 |
| Assets per employee ($millions) | 3.6555% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0642% | 1,406 |
| Loan loss allowance to noncurrent loans | 285.0829% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 4,890 |
| Noncurrent loans to loans | 0.7241% | 4,155 |
| Net loans and leases to total assets | 51.5151% | 4,919 |
| Net loans and leases to deposits | 57.0015% | 5,208 |
| Net loans and leases to core deposits | 57.9254% | 5,399 |
| Total domestic deposits to total assets | 90.3750% | 892 |
| Equity capital to assets | 9.6040% | 4,284 |
| Core capital (leverage) ratio | 9.5030% | 4,261 |
| Tier 1 risk-based capital ratio | 18.6192% | 2,045 |
| Total risk-based capital ratio | 19.8763% | 2,005 |
| Memoranda: | ||
| Average total assets | $48,412,800 | 6,056 |
| Average earning assets | $45,712,400 | 6,002 |
| Average equity | $4,536,400 | 6,194 |
| Average total loans | $24,317,400 | 6,017 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,969 |
| Cost of funding earning assets | 0.3619% | 5,179 |
| Net interest margin | 3.6794% | 3,108 |
| Noninterest income to average assets | 0.3180% | 5,152 |
| Noninterest expense to average assets | 3.2623% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5401% | 4,619 |
| Return on assets (ROA) | 0.5401% | 4,767 |
| Pretax return on assets | 0.5401% | 5,234 |
| Return on Equity (ROE) | 5.7989% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.7989% | 2,539 |
| Net charge-offs to loans | 0.1049% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.3695% | 2,366 |
| Efficiency ratio | 85.7967% | 1,377 |
| Assets per employee ($millions) | 3.3924% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3822% | 1,068 |
| Loan loss allowance to noncurrent loans | 110.7547% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 3,419 |
| Noncurrent loans to loans | 2.1509% | 2,066 |
| Net loans and leases to total assets | 50.6475% | 5,055 |
| Net loans and leases to deposits | 55.9343% | 5,379 |
| Net loans and leases to core deposits | 56.3722% | 5,593 |
| Total domestic deposits to total assets | 90.5481% | 726 |
| Equity capital to assets | 9.4309% | 4,635 |
| Core capital (leverage) ratio | 9.1426% | 4,905 |
| Tier 1 risk-based capital ratio | 18.3730% | 2,185 |
| Total risk-based capital ratio | 19.6357% | 2,147 |
| Memoranda: | ||
| Average total assets | $48,635,500 | 6,120 |
| Average earning assets | $46,057,000 | 6,054 |
| Average equity | $4,529,500 | 6,276 |
| Average total loans | $24,147,500 | 6,085 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,888 |
| Cost of funding earning assets | 0.3705% | 5,221 |
| Net interest margin | 3.6874% | 3,001 |
| Noninterest income to average assets | 0.3346% | 5,011 |
| Noninterest expense to average assets | 3.1704% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6569% | 4,031 |
| Return on assets (ROA) | 0.6569% | 4,195 |
| Pretax return on assets | 0.6569% | 4,826 |
| Return on Equity (ROE) | 7.0826% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.0826% | 1,852 |
| Net charge-offs to loans | 0.1584% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.4737% | 2,393 |
| Efficiency ratio | 82.8358% | 1,784 |
| Assets per employee ($millions) | 3.5525% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4276% | 1,063 |
| Loan loss allowance to noncurrent loans | 132.8054% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 4,021 |
| Noncurrent loans to loans | 1.8280% | 2,596 |
| Net loans and leases to total assets | 47.4374% | 5,379 |
| Net loans and leases to deposits | 52.7772% | 5,622 |
| Net loans and leases to core deposits | 53.1745% | 5,809 |
| Total domestic deposits to total assets | 89.8824% | 1,095 |
| Equity capital to assets | 9.0862% | 5,124 |
| Core capital (leverage) ratio | 8.8708% | 5,189 |
| Tier 1 risk-based capital ratio | 18.3735% | 2,185 |
| Total risk-based capital ratio | 19.6385% | 2,144 |
| Memoranda: | ||
| Average total assets | $49,016,330 | 6,146 |
| Average earning assets | $46,429,000 | 6,086 |
| Average equity | $4,546,330 | 6,320 |
| Average total loans | $23,983,000 | 6,127 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 4,222 |
| Cost of funding earning assets | 0.3818% | 5,266 |
| Net interest margin | 3.5923% | 3,292 |
| Noninterest income to average assets | 0.3288% | 5,073 |
| Noninterest expense to average assets | 2.9924% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7399% | 3,474 |
| Return on assets (ROA) | 0.7399% | 3,610 |
| Pretax return on assets | 0.7399% | 4,410 |
| Return on Equity (ROE) | 7.8947% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.8947% | 1,784 |
| Net charge-offs to loans | 0.3182% | 1,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.7368% | 2,486 |
| Efficiency ratio | 80.1762% | 2,314 |
| Assets per employee ($millions) | 3.5779% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4499% | 1,179 |
| Loan loss allowance to noncurrent loans | 131.0268% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8944% | 4,148 |
| Noncurrent loans to loans | 1.8698% | 2,772 |
| Net loans and leases to total assets | 46.6620% | 5,367 |
| Net loans and leases to deposits | 51.9423% | 5,623 |
| Net loans and leases to core deposits | 52.3307% | 5,794 |
| Total domestic deposits to total assets | 89.8343% | 1,145 |
| Equity capital to assets | 9.1415% | 5,317 |
| Core capital (leverage) ratio | 8.8146% | 5,161 |
| Tier 1 risk-based capital ratio | 18.7316% | 2,116 |
| Total risk-based capital ratio | 19.9991% | 2,088 |
| Memoranda: | ||
| Average total assets | $48,657,000 | 6,219 |
| Average earning assets | $46,098,000 | 6,157 |
| Average equity | $4,560,000 | 6,380 |
| Average total loans | $23,884,500 | 6,184 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,819 |
| Cost of funding earning assets | 0.5092% | 5,155 |
| Net interest margin | 4.1364% | 1,865 |
| Noninterest income to average assets | 0.4108% | 4,520 |
| Noninterest expense to average assets | 3.7033% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5333% | 4,550 |
| Return on assets (ROA) | 0.7161% | 3,917 |
| Pretax return on assets | 0.7161% | 4,611 |
| Return on Equity (ROE) | 7.6062% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.6062% | 1,275 |
| Net charge-offs to loans | -0.0204% | 6,554 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4112% | 1,291 |
| Assets per employee ($millions) | 3.3731% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5453% | 1,082 |
| Loan loss allowance to noncurrent loans | 115.4286% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1117% | 3,793 |
| Noncurrent loans to loans | 2.2050% | 2,457 |
| Net loans and leases to total assets | 49.1339% | 5,287 |
| Net loans and leases to deposits | 55.0238% | 5,548 |
| Net loans and leases to core deposits | 55.4618% | 5,757 |
| Total domestic deposits to total assets | 89.2957% | 1,375 |
| Equity capital to assets | 9.6159% | 4,719 |
| Core capital (leverage) ratio | 8.9817% | 4,924 |
| Tier 1 risk-based capital ratio | 18.4191% | 2,130 |
| Total risk-based capital ratio | 19.6873% | 2,089 |
| Memoranda: | ||
| Average total assets | $46,498,800 | 6,313 |
| Average earning assets | $43,008,400 | 6,271 |
| Average equity | $4,378,000 | 6,470 |
| Average total loans | $24,474,200 | 6,221 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 2,881 |
| Cost of funding earning assets | 0.5378% | 5,182 |
| Net interest margin | 4.1432% | 1,927 |
| Noninterest income to average assets | 0.3627% | 4,920 |
| Noninterest expense to average assets | 3.6673% | 1,420 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5095% | 4,811 |
| Return on assets (ROA) | 0.7542% | 3,924 |
| Pretax return on assets | 0.7542% | 4,661 |
| Return on Equity (ROE) | 8.0540% | 3,262 |
| Retained earnings to average equity (ytd only) | 8.0540% | 1,598 |
| Net charge-offs to loans | -0.0271% | 6,561 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8015% | 1,213 |
| Assets per employee ($millions) | 3.2991% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4048% | 1,352 |
| Loan loss allowance to noncurrent loans | 94.6875% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.3856% | 3,529 |
| Noncurrent loans to loans | 2.5397% | 2,249 |
| Net loans and leases to total assets | 53.2476% | 4,863 |
| Net loans and leases to deposits | 59.7145% | 5,241 |
| Net loans and leases to core deposits | 60.2012% | 5,537 |
| Total domestic deposits to total assets | 89.1703% | 1,328 |
| Equity capital to assets | 9.7146% | 4,907 |
| Core capital (leverage) ratio | 9.1389% | 4,846 |
| Tier 1 risk-based capital ratio | 17.3209% | 2,601 |
| Total risk-based capital ratio | 18.5877% | 2,558 |
| Memoranda: | ||
| Average total assets | $46,317,500 | 6,389 |
| Average earning assets | $42,638,750 | 6,360 |
| Average equity | $4,337,250 | 6,558 |
| Average total loans | $24,640,500 | 6,299 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 3,024 |
| Cost of funding earning assets | 0.5725% | 5,131 |
| Net interest margin | 4.1023% | 2,083 |
| Noninterest income to average assets | 0.3063% | 5,362 |
| Noninterest expense to average assets | 3.5030% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5436% | 4,608 |
| Return on assets (ROA) | 0.9103% | 3,123 |
| Pretax return on assets | 0.9103% | 4,034 |
| Return on Equity (ROE) | 9.8430% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.8430% | 1,015 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5672% | 1,378 |
| Assets per employee ($millions) | 3.2720% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4296% | 1,373 |
| Loan loss allowance to noncurrent loans | 95.0949% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 3,452 |
| Noncurrent loans to loans | 2.5549% | 2,359 |
| Net loans and leases to total assets | 52.6895% | 5,008 |
| Net loans and leases to deposits | 58.9344% | 5,352 |
| Net loans and leases to core deposits | 59.4161% | 5,659 |
| Total domestic deposits to total assets | 89.4036% | 1,272 |
| Equity capital to assets | 9.4656% | 5,111 |
| Core capital (leverage) ratio | 8.9592% | 4,967 |
| Tier 1 risk-based capital ratio | 17.2077% | 2,585 |
| Total risk-based capital ratio | 18.4735% | 2,536 |
| Memoranda: | ||
| Average total assets | $46,360,670 | 6,429 |
| Average earning assets | $42,269,000 | 6,405 |
| Average equity | $4,287,330 | 6,605 |
| Average total loans | $24,454,000 | 6,348 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 2,728 |
| Cost of funding earning assets | 0.5971% | 5,158 |
| Net interest margin | 4.1799% | 1,815 |
| Noninterest income to average assets | 0.3088% | 5,412 |
| Noninterest expense to average assets | 3.5680% | 1,631 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5232% | 4,725 |
| Return on assets (ROA) | 0.5832% | 4,644 |
| Pretax return on assets | 0.5832% | 5,171 |
| Return on Equity (ROE) | 6.3805% | 4,098 |
| Retained earnings to average equity (ytd only) | 6.3805% | 2,750 |
| Net charge-offs to loans | -0.0165% | 6,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2117% | 1,363 |
| Assets per employee ($millions) | 3.2757% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5191% | 1,325 |
| Loan loss allowance to noncurrent loans | 250.8333% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 5,283 |
| Noncurrent loans to loans | 1.0043% | 4,668 |
| Net loans and leases to total assets | 50.7959% | 5,189 |
| Net loans and leases to deposits | 56.7493% | 5,519 |
| Net loans and leases to core deposits | 57.2120% | 5,795 |
| Total domestic deposits to total assets | 89.5094% | 1,364 |
| Equity capital to assets | 9.3611% | 5,014 |
| Core capital (leverage) ratio | 8.7159% | 5,268 |
| Tier 1 risk-based capital ratio | 16.5481% | 2,887 |
| Total risk-based capital ratio | 17.8130% | 2,846 |
| Memoranda: | ||
| Average total assets | $46,637,000 | 6,469 |
| Average earning assets | $42,202,000 | 6,448 |
| Average equity | $4,263,000 | 6,644 |
| Average total loans | $24,312,500 | 6,403 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0509% | 2,647 |
| Cost of funding earning assets | 0.8762% | 4,281 |
| Net interest margin | 4.1747% | 2,138 |
| Noninterest income to average assets | 0.3305% | 5,176 |
| Noninterest expense to average assets | 3.6458% | 1,649 |
| Loan and lease loss provision to assets | 0.0107% | 6,401 |
| Net operating income to assets | 0.3816% | 4,941 |
| Return on assets (ROA) | 0.5650% | 4,355 |
| Pretax return on assets | 0.5650% | 4,795 |
| Return on Equity (ROE) | 6.6983% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.6983% | 1,641 |
| Net charge-offs to loans | 0.9271% | 1,876 |
| Credit loss provision to net charge-offs | 2.1930% | 6,059 |
| Earnings coverage of net charge-offs (x) | 0.8070% | 5,195 |
| Efficiency ratio | 90.2851% | 1,161 |
| Assets per employee ($millions) | 3.3867% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4304% | 1,407 |
| Loan loss allowance to noncurrent loans | 812.1622% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 5,961 |
| Noncurrent loans to loans | 0.2993% | 6,123 |
| Net loans and leases to total assets | 50.8858% | 5,480 |
| Net loans and leases to deposits | 56.5591% | 5,829 |
| Net loans and leases to core deposits | 56.9503% | 6,084 |
| Total domestic deposits to total assets | 89.9692% | 1,012 |
| Equity capital to assets | 8.9277% | 5,640 |
| Core capital (leverage) ratio | 8.4986% | 5,563 |
| Tier 1 risk-based capital ratio | 15.5666% | 3,283 |
| Total risk-based capital ratio | 16.8293% | 3,231 |
| Memoranda: | ||
| Average total assets | $46,903,800 | 6,458 |
| Average earning assets | $41,655,600 | 6,475 |
| Average equity | $3,956,200 | 6,761 |
| Average total loans | $24,592,800 | 6,442 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 2,818 |
| Cost of funding earning assets | 0.9498% | 4,048 |
| Net interest margin | 4.1074% | 2,445 |
| Noninterest income to average assets | 0.3164% | 5,328 |
| Noninterest expense to average assets | 3.7767% | 1,343 |
| Loan and lease loss provision to assets | 0.0143% | 6,254 |
| Net operating income to assets | 0.1739% | 5,765 |
| Return on assets (ROA) | 0.3677% | 5,320 |
| Pretax return on assets | 0.3677% | 5,559 |
| Return on Equity (ROE) | 4.4250% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.4250% | 3,576 |
| Net charge-offs to loans | 1.2378% | 1,252 |
| Credit loss provision to net charge-offs | 2.1930% | 5,725 |
| Earnings coverage of net charge-offs (x) | 0.2895% | 5,385 |
| Efficiency ratio | 95.2552% | 855 |
| Assets per employee ($millions) | 3.3938% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4511% | 1,466 |
| Loan loss allowance to noncurrent loans | 451.8797% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 6,089 |
| Noncurrent loans to loans | 0.5424% | 5,780 |
| Net loans and leases to total assets | 50.3420% | 5,668 |
| Net loans and leases to deposits | 55.7747% | 6,053 |
| Net loans and leases to core deposits | 56.2099% | 6,298 |
| Total domestic deposits to total assets | 90.2595% | 742 |
| Equity capital to assets | 8.6355% | 6,162 |
| Core capital (leverage) ratio | 7.8761% | 6,507 |
| Tier 1 risk-based capital ratio | 15.6541% | 3,305 |
| Total risk-based capital ratio | 16.9198% | 3,262 |
| Memoranda: | ||
| Average total assets | $46,776,250 | 6,517 |
| Average earning assets | $41,549,750 | 6,530 |
| Average equity | $3,887,000 | 6,836 |
| Average total loans | $24,559,000 | 6,505 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 2,668 |
| Cost of funding earning assets | 1.0139% | 3,857 |
| Net interest margin | 4.0896% | 2,448 |
| Noninterest income to average assets | 0.3095% | 5,415 |
| Noninterest expense to average assets | 3.9243% | 1,154 |
| Loan and lease loss provision to assets | -0.6447% | 7,486 |
| Net operating income to assets | 0.6533% | 3,780 |
| Return on assets (ROA) | 0.6533% | 3,905 |
| Pretax return on assets | 0.6533% | 4,564 |
| Return on Equity (ROE) | 7.9685% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.9685% | 1,472 |
| Net charge-offs to loans | 0.5535% | 2,443 |
| Credit loss provision to net charge-offs | -220.5882% | 6,399 |
| Earnings coverage of net charge-offs (x) | 0.0294% | 5,263 |
| Efficiency ratio | 99.7814% | 728 |
| Assets per employee ($millions) | 3.3866% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4418% | 1,531 |
| Loan loss allowance to noncurrent loans | 396.0784% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 5,815 |
| Noncurrent loans to loans | 0.6165% | 5,692 |
| Net loans and leases to total assets | 51.0662% | 5,687 |
| Net loans and leases to deposits | 56.4435% | 6,096 |
| Net loans and leases to core deposits | 57.2225% | 6,330 |
| Total domestic deposits to total assets | 90.4731% | 725 |
| Equity capital to assets | 8.4028% | 6,302 |
| Core capital (leverage) ratio | 8.2507% | 5,949 |
| Tier 1 risk-based capital ratio | 15.7748% | 3,093 |
| Total risk-based capital ratio | 17.0388% | 3,066 |
| Memoranda: | ||
| Average total assets | $46,530,670 | 6,581 |
| Average earning assets | $41,227,000 | 6,593 |
| Average equity | $3,815,000 | 6,895 |
| Average total loans | $24,572,000 | 6,558 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 2,739 |
| Cost of funding earning assets | 1.0600% | 3,786 |
| Net interest margin | 4.0183% | 2,613 |
| Noninterest income to average assets | 0.2864% | 5,626 |
| Noninterest expense to average assets | 3.6104% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2951% | 5,431 |
| Return on assets (ROA) | 0.2951% | 5,500 |
| Pretax return on assets | 0.2951% | 5,670 |
| Return on Equity (ROE) | 3.6456% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.6456% | 3,988 |
| Net charge-offs to loans | 1.0307% | 1,325 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.5397% | 4,215 |
| Efficiency ratio | 92.4444% | 1,138 |
| Assets per employee ($millions) | 3.2776% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2106% | 766 |
| Loan loss allowance to noncurrent loans | 494.1558% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 5,799 |
| Noncurrent loans to loans | 0.6497% | 5,731 |
| Net loans and leases to total assets | 49.9978% | 5,850 |
| Net loans and leases to deposits | 55.1676% | 6,201 |
| Net loans and leases to core deposits | 56.2952% | 6,391 |
| Total domestic deposits to total assets | 90.6290% | 785 |
| Equity capital to assets | 8.1964% | 6,283 |
| Core capital (leverage) ratio | 7.9430% | 6,313 |
| Tier 1 risk-based capital ratio | 16.1696% | 2,825 |
| Total risk-based capital ratio | 17.4452% | 2,779 |
| Memoranda: | ||
| Average total assets | $46,089,500 | 6,636 |
| Average earning assets | $41,510,000 | 6,632 |
| Average equity | $3,730,500 | 6,951 |
| Average total loans | $24,449,000 | 6,616 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6918% | 1,601 |
| Cost of funding earning assets | 1.5650% | 2,274 |
| Net interest margin | 4.1268% | 2,456 |
| Noninterest income to average assets | 0.3820% | 5,043 |
| Noninterest expense to average assets | 4.1350% | 976 |
| Loan and lease loss provision to assets | 0.7489% | 2,191 |
| Net operating income to assets | -0.8465% | 6,601 |
| Return on assets (ROA) | -0.8465% | 6,630 |
| Pretax return on assets | -0.8444% | 6,541 |
| Return on Equity (ROE) | -9.8799% | 6,724 |
| Retained earnings to average equity (ytd only) | -9.8799% | 6,659 |
| Net charge-offs to loans | 1.6053% | 1,351 |
| Credit loss provision to net charge-offs | 78.0543% | 5,632 |
| Earnings coverage of net charge-offs (x) | -0.0995% | 6,220 |
| Efficiency ratio | 102.3643% | 713 |
| Assets per employee ($millions) | 3.3066% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2705% | 689 |
| Loan loss allowance to noncurrent loans | 468.1818% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 5,749 |
| Noncurrent loans to loans | 0.6986% | 5,654 |
| Net loans and leases to total assets | 52.6451% | 5,828 |
| Net loans and leases to deposits | 57.9600% | 6,260 |
| Net loans and leases to core deposits | 59.1256% | 6,464 |
| Total domestic deposits to total assets | 90.8301% | 676 |
| Equity capital to assets | 7.9926% | 6,506 |
| Core capital (leverage) ratio | 7.9031% | 6,313 |
| Tier 1 risk-based capital ratio | 14.7241% | 3,411 |
| Total risk-based capital ratio | 16.0016% | 3,352 |
| Memoranda: | ||
| Average total assets | $46,069,600 | 6,663 |
| Average earning assets | $40,830,600 | 6,682 |
| Average equity | $3,947,400 | 7,017 |
| Average total loans | $27,533,400 | 6,524 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 1,430 |
| Cost of funding earning assets | 1.6332% | 2,192 |
| Net interest margin | 4.1554% | 2,386 |
| Noninterest income to average assets | 0.3622% | 5,261 |
| Noninterest expense to average assets | 3.9089% | 1,188 |
| Loan and lease loss provision to assets | 0.9997% | 1,485 |
| Net operating income to assets | -0.8925% | 6,837 |
| Return on assets (ROA) | -0.8925% | 6,879 |
| Pretax return on assets | -0.8896% | 6,796 |
| Return on Equity (ROE) | -10.2428% | 6,940 |
| Retained earnings to average equity (ytd only) | -10.2428% | 6,891 |
| Net charge-offs to loans | 1.7260% | 1,129 |
| Credit loss provision to net charge-offs | 94.7802% | 4,571 |
| Earnings coverage of net charge-offs (x) | 0.1044% | 5,917 |
| Efficiency ratio | 97.2603% | 851 |
| Assets per employee ($millions) | 3.2303% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4765% | 548 |
| Loan loss allowance to noncurrent loans | 219.4647% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 1.7933% | 3,758 |
| Noncurrent loans to loans | 1.5841% | 4,265 |
| Net loans and leases to total assets | 55.3777% | 5,638 |
| Net loans and leases to deposits | 62.8457% | 6,040 |
| Net loans and leases to core deposits | 64.1742% | 6,290 |
| Total domestic deposits to total assets | 88.1169% | 1,892 |
| Equity capital to assets | 8.4601% | 6,327 |
| Core capital (leverage) ratio | 8.1994% | 6,042 |
| Tier 1 risk-based capital ratio | 14.6591% | 3,420 |
| Total risk-based capital ratio | 15.9384% | 3,377 |
| Memoranda: | ||
| Average total assets | $46,013,750 | 6,738 |
| Average earning assets | $40,492,250 | 6,781 |
| Average equity | $4,009,250 | 7,090 |
| Average total loans | $28,118,000 | 6,581 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9371% | 1,090 |
| Cost of funding earning assets | 1.6942% | 2,144 |
| Net interest margin | 4.2429% | 2,003 |
| Noninterest income to average assets | 0.3544% | 5,312 |
| Noninterest expense to average assets | 3.8032% | 1,354 |
| Loan and lease loss provision to assets | 1.4910% | 890 |
| Net operating income to assets | -1.2749% | 7,061 |
| Return on assets (ROA) | -1.2749% | 7,074 |
| Pretax return on assets | -1.2706% | 6,995 |
| Return on Equity (ROE) | -14.4951% | 7,127 |
| Retained earnings to average equity (ytd only) | -14.4951% | 7,086 |
| Net charge-offs to loans | 2.5033% | 683 |
| Credit loss provision to net charge-offs | 95.5679% | 4,250 |
| Earnings coverage of net charge-offs (x) | 0.1413% | 5,580 |
| Efficiency ratio | 94.5220% | 1,039 |
| Assets per employee ($millions) | 3.2214% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3009% | 642 |
| Loan loss allowance to noncurrent loans | 281.9315% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 1.8071% | 3,748 |
| Noncurrent loans to loans | 1.1708% | 4,999 |
| Net loans and leases to total assets | 58.7862% | 5,286 |
| Net loans and leases to deposits | 66.8347% | 5,704 |
| Net loans and leases to core deposits | 68.2490% | 6,034 |
| Total domestic deposits to total assets | 87.9576% | 2,029 |
| Equity capital to assets | 8.5989% | 6,015 |
| Core capital (leverage) ratio | 8.3131% | 5,740 |
| Tier 1 risk-based capital ratio | 14.2912% | 3,550 |
| Total risk-based capital ratio | 15.5685% | 3,503 |
| Memoranda: | ||
| Average total assets | $46,277,000 | 6,781 |
| Average earning assets | $40,019,670 | 6,841 |
| Average equity | $4,070,330 | 7,099 |
| Average total loans | $28,842,000 | 6,588 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2186% | 618 |
| Cost of funding earning assets | 1.7709% | 2,008 |
| Net interest margin | 4.4477% | 1,258 |
| Noninterest income to average assets | 0.3841% | 5,054 |
| Noninterest expense to average assets | 3.6956% | 1,529 |
| Loan and lease loss provision to assets | 1.9204% | 581 |
| Net operating income to assets | -1.5022% | 7,332 |
| Return on assets (ROA) | -1.5022% | 7,340 |
| Pretax return on assets | -1.5022% | 7,259 |
| Return on Equity (ROE) | -16.8967% | 7,370 |
| Retained earnings to average equity (ytd only) | -16.8967% | 7,280 |
| Net charge-offs to loans | 1.6512% | 1,051 |
| Credit loss provision to net charge-offs | 184.4262% | 1,983 |
| Earnings coverage of net charge-offs (x) | 0.4016% | 4,673 |
| Efficiency ratio | 89.8340% | 1,447 |
| Assets per employee ($millions) | 3.2271% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6139% | 498 |
| Loan loss allowance to noncurrent loans | 195.0476% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 4,105 |
| Noncurrent loans to loans | 1.8528% | 3,984 |
| Net loans and leases to total assets | 60.4507% | 5,045 |
| Net loans and leases to deposits | 68.8872% | 5,484 |
| Net loans and leases to core deposits | 70.1848% | 5,899 |
| Total domestic deposits to total assets | 87.7532% | 2,208 |
| Equity capital to assets | 8.8005% | 5,553 |
| Core capital (leverage) ratio | 8.3530% | 5,637 |
| Tier 1 risk-based capital ratio | 14.3075% | 3,487 |
| Total risk-based capital ratio | 15.5879% | 3,435 |
| Memoranda: | ||
| Average total assets | $46,866,000 | 6,845 |
| Average earning assets | $39,301,500 | 6,959 |
| Average equity | $4,166,500 | 7,121 |
| Average total loans | $29,554,500 | 6,627 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5296% | 630 |
| Cost of funding earning assets | 2.1993% | 2,038 |
| Net interest margin | 4.3304% | 1,631 |
| Noninterest income to average assets | 0.4129% | 5,101 |
| Noninterest expense to average assets | 4.2988% | 990 |
| Loan and lease loss provision to assets | 0.2725% | 5,231 |
| Net operating income to assets | -0.2955% | 5,966 |
| Return on assets (ROA) | -0.1362% | 5,734 |
| Pretax return on assets | -0.1362% | 5,630 |
| Return on Equity (ROE) | -1.4734% | 5,771 |
| Retained earnings to average equity (ytd only) | -1.4734% | 5,389 |
| Net charge-offs to loans | 1.4823% | 1,689 |
| Credit loss provision to net charge-offs | 26.3692% | 6,917 |
| Earnings coverage of net charge-offs (x) | -0.0223% | 6,231 |
| Efficiency ratio | 98.0882% | 1,210 |
| Assets per employee ($millions) | 3.4681% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9928% | 780 |
| Loan loss allowance to noncurrent loans | 193.0818% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4047% | 4,310 |
| Noncurrent loans to loans | 1.5500% | 4,326 |
| Net loans and leases to total assets | 61.4854% | 5,107 |
| Net loans and leases to deposits | 70.0249% | 5,600 |
| Net loans and leases to core deposits | 75.1529% | 6,459 |
| Total domestic deposits to total assets | 87.8051% | 2,074 |
| Equity capital to assets | 8.9737% | 5,187 |
| Core capital (leverage) ratio | 8.7742% | 4,801 |
| Tier 1 risk-based capital ratio | 13.9323% | 3,547 |
| Total risk-based capital ratio | 15.2073% | 3,480 |
| Memoranda: | ||
| Average total assets | $47,710,600 | 6,803 |
| Average earning assets | $42,559,800 | 6,838 |
| Average equity | $4,411,600 | 7,141 |
| Average total loans | $33,259,200 | 6,450 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5766% | 640 |
| Cost of funding earning assets | 2.2860% | 2,038 |
| Net interest margin | 4.2906% | 1,755 |
| Noninterest income to average assets | 0.4126% | 5,194 |
| Noninterest expense to average assets | 4.4125% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1031% | 5,896 |
| Return on assets (ROA) | 0.1039% | 5,501 |
| Pretax return on assets | 0.1067% | 5,510 |
| Return on Equity (ROE) | 1.1147% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.1147% | 4,696 |
| Net charge-offs to loans | 1.4285% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -0.1047% | 6,189 |
| Efficiency ratio | 100.0652% | 1,060 |
| Assets per employee ($millions) | 3.1028% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8197% | 773 |
| Loan loss allowance to noncurrent loans | 257.2626% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.2097% | 4,654 |
| Noncurrent loans to loans | 1.0960% | 5,120 |
| Net loans and leases to total assets | 68.2008% | 3,911 |
| Net loans and leases to deposits | 78.2652% | 4,704 |
| Net loans and leases to core deposits | 84.5304% | 5,999 |
| Total domestic deposits to total assets | 87.1406% | 2,106 |
| Equity capital to assets | 9.4839% | 4,769 |
| Core capital (leverage) ratio | 8.8768% | 4,850 |
| Tier 1 risk-based capital ratio | 13.7471% | 3,685 |
| Total risk-based capital ratio | 15.0184% | 3,626 |
| Memoranda: | ||
| Average total assets | $47,500,000 | 6,854 |
| Average earning assets | $43,101,000 | 6,862 |
| Average equity | $4,425,250 | 7,208 |
| Average total loans | $33,880,500 | 6,452 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6454% | 606 |
| Cost of funding earning assets | 2.3839% | 2,034 |
| Net interest margin | 4.2616% | 1,773 |
| Noninterest income to average assets | 0.3681% | 5,565 |
| Noninterest expense to average assets | 4.2870% | 961 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0438% | 5,915 |
| Return on assets (ROA) | 0.2677% | 5,120 |
| Pretax return on assets | 0.2719% | 5,272 |
| Return on Equity (ROE) | 2.8900% | 4,944 |
| Retained earnings to average equity (ytd only) | 2.8900% | 3,720 |
| Net charge-offs to loans | 0.6650% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.0965% | 5,792 |
| Efficiency ratio | 98.6193% | 1,242 |
| Assets per employee ($millions) | 3.0859% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5368% | 367 |
| Loan loss allowance to noncurrent loans | 195.6522% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 1.8968% | 3,342 |
| Noncurrent loans to loans | 1.8077% | 3,793 |
| Net loans and leases to total assets | 68.9386% | 3,958 |
| Net loans and leases to deposits | 79.2151% | 4,671 |
| Net loans and leases to core deposits | 85.6097% | 5,945 |
| Total domestic deposits to total assets | 87.0272% | 2,239 |
| Equity capital to assets | 9.5660% | 4,529 |
| Core capital (leverage) ratio | 8.8195% | 4,914 |
| Tier 1 risk-based capital ratio | 13.5593% | 3,782 |
| Total risk-based capital ratio | 14.8412% | 3,689 |
| Memoranda: | ||
| Average total assets | $47,819,330 | 6,911 |
| Average earning assets | $43,458,330 | 6,906 |
| Average equity | $4,429,000 | 7,265 |
| Average total loans | $34,286,330 | 6,486 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5426% | 797 |
| Cost of funding earning assets | 2.4410% | 2,139 |
| Net interest margin | 4.1016% | 2,258 |
| Noninterest income to average assets | 0.3376% | 5,759 |
| Noninterest expense to average assets | 3.5073% | 2,083 |
| Loan and lease loss provision to assets | 0.4117% | 2,862 |
| Net operating income to assets | 0.1396% | 5,860 |
| Return on assets (ROA) | 0.5269% | 4,491 |
| Pretax return on assets | 0.5352% | 4,960 |
| Return on Equity (ROE) | 5.7794% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.7794% | 2,738 |
| Net charge-offs to loans | 0.5503% | 2,082 |
| Credit loss provision to net charge-offs | 104.1667% | 3,624 |
| Earnings coverage of net charge-offs (x) | 1.3958% | 4,038 |
| Efficiency ratio | 83.7728% | 2,330 |
| Assets per employee ($millions) | 3.2197% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6699% | 280 |
| Loan loss allowance to noncurrent loans | 94.0058% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 4.6216% | 1,024 |
| Noncurrent loans to loans | 3.9039% | 1,563 |
| Net loans and leases to total assets | 69.8954% | 3,694 |
| Net loans and leases to deposits | 82.7901% | 4,167 |
| Net loans and leases to core deposits | 90.9914% | 5,459 |
| Total domestic deposits to total assets | 84.4249% | 3,501 |
| Equity capital to assets | 9.1790% | 5,111 |
| Core capital (leverage) ratio | 8.4968% | 5,541 |
| Tier 1 risk-based capital ratio | 12.5319% | 4,528 |
| Total risk-based capital ratio | 13.8146% | 4,425 |
| Memoranda: | ||
| Average total assets | $48,584,500 | 6,921 |
| Average earning assets | $44,080,500 | 6,928 |
| Average equity | $4,429,500 | 7,308 |
| Average total loans | $34,889,000 | 6,501 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8886% | 1,428 |
| Cost of funding earning assets | 2.8507% | 2,478 |
| Net interest margin | 4.0378% | 2,949 |
| Noninterest income to average assets | 0.4850% | 4,745 |
| Noninterest expense to average assets | 3.7805% | 1,791 |
| Loan and lease loss provision to assets | 1.9483% | 633 |
| Net operating income to assets | -1.4816% | 7,455 |
| Return on assets (ROA) | -1.5285% | 7,421 |
| Pretax return on assets | -1.5265% | 7,266 |
| Return on Equity (ROE) | -14.4995% | 7,566 |
| Retained earnings to average equity (ytd only) | -21.9812% | 7,732 |
| Net charge-offs to loans | 0.5191% | 2,288 |
| Credit loss provision to net charge-offs | 534.0782% | 817 |
| Earnings coverage of net charge-offs (x) | 1.2849% | 5,488 |
| Efficiency ratio | 86.5707% | 1,800 |
| Assets per employee ($millions) | 3.2583% | 5,315 |
| Cash dividends to net income (ytd only)* | -51.6000% | 8,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6965% | 240 |
| Loan loss allowance to noncurrent loans | 119.5531% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 3.6297% | 1,209 |
| Noncurrent loans to loans | 3.0919% | 1,723 |
| Net loans and leases to total assets | 68.4454% | 4,380 |
| Net loans and leases to deposits | 80.8742% | 4,893 |
| Net loans and leases to core deposits | 88.7321% | 5,917 |
| Total domestic deposits to total assets | 84.6319% | 3,013 |
| Equity capital to assets | 9.0559% | 5,296 |
| Core capital (leverage) ratio | 8.3509% | 5,850 |
| Tier 1 risk-based capital ratio | 12.2595% | 4,619 |
| Total risk-based capital ratio | 13.5409% | 4,476 |
| Memoranda: | ||
| Average total assets | $49,067,200 | 6,820 |
| Average earning assets | $45,742,400 | 6,781 |
| Average equity | $5,172,600 | 7,091 |
| Average total loans | $34,483,600 | 6,458 |