Home > Heritage Bank of St Tammany > Performance and Condition Ratios
Heritage Bank of St Tammany, 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 | 5.0342% | 2,008 |
| Cost of funding earning assets | 2.3698% | 484 |
| Net interest margin | 2.6644% | 3,876 |
| Noninterest income to average assets | -0.5800% | 4,593 |
| Noninterest expense to average assets | 2.5410% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.5234% | 4,510 |
| Return on assets (ROA) | -0.5234% | 4,495 |
| Pretax return on assets | -0.6764% | 4,496 |
| Return on Equity (ROE) | -4.7400% | 4,467 |
| Retained earnings to average equity (ytd only) | -4.7393% | 4,384 |
| Net charge-offs to loans | 0.0043% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -203.3333% | 4,601 |
| Efficiency ratio | 136.2771% | 56 |
| Assets per employee ($millions) | 6.2249% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 3,567 |
| Loan loss allowance to noncurrent loans | 299.5423% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 1,959 |
| Noncurrent loans to loans | 0.3135% | 2,069 |
| Net loans and leases to total assets | 79.2400% | 733 |
| Net loans and leases to deposits | 104.8649% | 326 |
| Net loans and leases to core deposits | 122.5443% | 551 |
| Total domestic deposits to total assets | 75.5600% | 3,980 |
| Equity capital to assets | 11.4724% | 1,297 |
| Core capital (leverage) ratio | 11.7167% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $180,360,000 | 3,126 |
| Average earning assets | $165,667,800 | 3,134 |
| Average equity | $19,918,400 | 2,863 |
| Average total loans | $139,610,200 | 2,772 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 2,127 |
| Cost of funding earning assets | 2.1991% | 500 |
| Net interest margin | 2.6702% | 3,922 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5936% | 1,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1723% | 4,264 |
| Return on assets (ROA) | 0.1723% | 4,277 |
| Pretax return on assets | 0.2031% | 4,259 |
| Return on Equity (ROE) | 1.5700% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.5746% | 3,823 |
| Net charge-offs to loans | 0.0048% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 55.4000% | 1,253 |
| Efficiency ratio | 92.7392% | 300 |
| Assets per employee ($millions) | 6.4893% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 3,662 |
| Loan loss allowance to noncurrent loans | 171.4660% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 1,381 |
| Noncurrent loans to loans | 0.5373% | 1,481 |
| Net loans and leases to total assets | 77.5400% | 939 |
| Net loans and leases to deposits | 104.4538% | 339 |
| Net loans and leases to core deposits | 127.2245% | 388 |
| Total domestic deposits to total assets | 74.2300% | 4,144 |
| Equity capital to assets | 10.8933% | 1,388 |
| Core capital (leverage) ratio | 11.7671% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $181,875,750 | 3,119 |
| Average earning assets | $167,275,250 | 3,127 |
| Average equity | $19,899,000 | 2,857 |
| Average total loans | $139,659,250 | 2,779 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 2,054 |
| Cost of funding earning assets | 1.9020% | 605 |
| Net interest margin | 2.8728% | 3,695 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.6482% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2880% | 4,170 |
| Return on assets (ROA) | 0.2880% | 4,201 |
| Pretax return on assets | 0.3496% | 4,181 |
| Return on Equity (ROE) | 2.6300% | 4,204 |
| Retained earnings to average equity (ytd only) | 2.6286% | 3,570 |
| Net charge-offs to loans | 0.0058% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 1,055 |
| Efficiency ratio | 88.3388% | 414 |
| Assets per employee ($millions) | 6.3357% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 3,697 |
| Loan loss allowance to noncurrent loans | 285.6209% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 1,950 |
| Noncurrent loans to loans | 0.3242% | 1,973 |
| Net loans and leases to total assets | 76.3400% | 1,015 |
| Net loans and leases to deposits | 105.4693% | 327 |
| Net loans and leases to core deposits | 123.4791% | 440 |
| Total domestic deposits to total assets | 72.3900% | 4,277 |
| Equity capital to assets | 10.9147% | 1,426 |
| Core capital (leverage) ratio | 11.8356% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $181,934,667 | 3,124 |
| Average earning assets | $167,293,333 | 3,130 |
| Average equity | $19,934,333 | 2,874 |
| Average total loans | $138,815,000 | 2,783 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 2,150 |
| Cost of funding earning assets | 1.5289% | 795 |
| Net interest margin | 3.0410% | 3,492 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.7022% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3447% | 4,177 |
| Return on assets (ROA) | 0.3447% | 4,132 |
| Pretax return on assets | 0.4242% | 4,098 |
| Return on Equity (ROE) | 3.1400% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.1397% | 3,475 |
| Net charge-offs to loans | 0.0029% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 518 |
| Efficiency ratio | 86.4311% | 492 |
| Assets per employee ($millions) | 6.2922% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 3,716 |
| Loan loss allowance to noncurrent loans | 242.4354% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 1,682 |
| Noncurrent loans to loans | 0.3918% | 1,757 |
| Net loans and leases to total assets | 75.0900% | 1,069 |
| Net loans and leases to deposits | 98.5670% | 510 |
| Net loans and leases to core deposits | 115.0531% | 560 |
| Total domestic deposits to total assets | 76.1800% | 4,151 |
| Equity capital to assets | 10.9824% | 1,345 |
| Core capital (leverage) ratio | 11.8813% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $181,035,000 | 3,168 |
| Average earning assets | $166,394,000 | 3,180 |
| Average equity | $19,874,500 | 2,907 |
| Average total loans | $137,431,500 | 2,822 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1542% | 1,343 |
| Cost of funding earning assets | 0.6668% | 674 |
| Net interest margin | 3.4874% | 1,967 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 3.0024% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4931% | 4,097 |
| Return on assets (ROA) | 0.4931% | 4,059 |
| Pretax return on assets | 0.6079% | 4,015 |
| Return on Equity (ROE) | 4.0400% | 4,157 |
| Retained earnings to average equity (ytd only) | -0.9108% | 4,443 |
| Net charge-offs to loans | 0.0110% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 77.3846% | 1,104 |
| Efficiency ratio | 83.1632% | 531 |
| Assets per employee ($millions) | 6.1930% | 2,599 |
| Cash dividends to net income (ytd only)* | 122.5490% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 4,138 |
| Loan loss allowance to noncurrent loans | 141.6667% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 1,279 |
| Noncurrent loans to loans | 0.5274% | 1,392 |
| Net loans and leases to total assets | 75.4500% | 1,068 |
| Net loans and leases to deposits | 98.7999% | 485 |
| Net loans and leases to core deposits | 111.4841% | 559 |
| Total domestic deposits to total assets | 76.3700% | 4,237 |
| Equity capital to assets | 10.9741% | 1,265 |
| Core capital (leverage) ratio | 12.1744% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,499,800 | 3,302 |
| Average earning assets | $151,317,000 | 3,315 |
| Average equity | $20,203,000 | 2,939 |
| Average total loans | $117,754,200 | 2,945 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 1,233 |
| Cost of funding earning assets | 0.5278% | 649 |
| Net interest margin | 3.4913% | 1,685 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 3.0358% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4972% | 4,079 |
| Return on assets (ROA) | 0.4972% | 4,027 |
| Pretax return on assets | 0.6132% | 3,964 |
| Return on Equity (ROE) | 3.9600% | 4,153 |
| Retained earnings to average equity (ytd only) | -2.5975% | 4,520 |
| Net charge-offs to loans | 0.0106% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 82.7778% | 1,029 |
| Efficiency ratio | 83.1942% | 596 |
| Assets per employee ($millions) | 5.9902% | 2,771 |
| Cash dividends to net income (ytd only)* | 165.5629% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 4,118 |
| Loan loss allowance to noncurrent loans | 460.8108% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 2,713 |
| Noncurrent loans to loans | 0.1715% | 2,736 |
| Net loans and leases to total assets | 73.9300% | 1,103 |
| Net loans and leases to deposits | 90.5746% | 853 |
| Net loans and leases to core deposits | 99.9416% | 817 |
| Total domestic deposits to total assets | 81.6300% | 3,891 |
| Equity capital to assets | 11.1671% | 1,119 |
| Core capital (leverage) ratio | 12.1547% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $161,975,750 | 3,354 |
| Average earning assets | $148,023,250 | 3,366 |
| Average equity | $20,326,500 | 2,965 |
| Average total loans | $113,060,250 | 3,012 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 1,112 |
| Cost of funding earning assets | 0.4592% | 662 |
| Net interest margin | 3.4417% | 1,477 |
| Noninterest income to average assets | 0.4960% | 2,225 |
| Noninterest expense to average assets | 3.0444% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4796% | 3,948 |
| Return on assets (ROA) | 0.4796% | 3,899 |
| Pretax return on assets | 0.5909% | 3,832 |
| Return on Equity (ROE) | 3.6733% | 4,103 |
| Retained earnings to average equity (ytd only) | -6.0187% | 4,571 |
| Net charge-offs to loans | 0.0093% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 851 |
| Efficiency ratio | 83.7452% | 693 |
| Assets per employee ($millions) | 5.8198% | 2,899 |
| Cash dividends to net income (ytd only)* | 263.8522% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 3,905 |
| Loan loss allowance to noncurrent loans | 433.7553% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,705 |
| Noncurrent loans to loans | 0.2116% | 2,657 |
| Net loans and leases to total assets | 68.1117% | 1,468 |
| Net loans and leases to deposits | 82.2904% | 1,227 |
| Net loans and leases to core deposits | 86.9480% | 1,269 |
| Total domestic deposits to total assets | 82.7699% | 3,905 |
| Equity capital to assets | 11.9912% | 880 |
| Core capital (leverage) ratio | 13.1685% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,062,333 | 3,424 |
| Average earning assets | $144,172,667 | 3,457 |
| Average equity | $20,635,667 | 3,006 |
| Average total loans | $107,595,000 | 3,100 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 963 |
| Cost of funding earning assets | 0.4646% | 599 |
| Net interest margin | 3.4102% | 1,281 |
| Noninterest income to average assets | 0.5629% | 1,857 |
| Noninterest expense to average assets | 3.0896% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4755% | 3,769 |
| Return on assets (ROA) | 0.4755% | 3,738 |
| Pretax return on assets | 0.5861% | 3,672 |
| Return on Equity (ROE) | 3.4933% | 3,997 |
| Retained earnings to average equity (ytd only) | 3.4933% | 3,122 |
| Net charge-offs to loans | 0.0038% | 1,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 396 |
| Efficiency ratio | 84.0559% | 845 |
| Assets per employee ($millions) | 5.2548% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,857 |
| Loan loss allowance to noncurrent loans | 227.8146% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 1,972 |
| Noncurrent loans to loans | 0.4236% | 1,969 |
| Net loans and leases to total assets | 67.1904% | 1,293 |
| Net loans and leases to deposits | 83.6243% | 910 |
| Net loans and leases to core deposits | 87.2755% | 1,065 |
| Total domestic deposits to total assets | 80.3480% | 4,262 |
| Equity capital to assets | 13.2432% | 644 |
| Core capital (leverage) ratio | 14.0256% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,617,000 | 3,466 |
| Average earning assets | $142,046,500 | 3,489 |
| Average equity | $21,183,500 | 3,044 |
| Average total loans | $105,383,500 | 3,121 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 897 |
| Cost of funding earning assets | 0.6404% | 447 |
| Net interest margin | 3.6246% | 1,398 |
| Noninterest income to average assets | 0.9425% | 1,109 |
| Noninterest expense to average assets | 3.2625% | 666 |
| Loan and lease loss provision to assets | 0.0166% | 2,742 |
| Net operating income to assets | 0.7689% | 3,427 |
| Return on assets (ROA) | 0.7662% | 3,498 |
| Pretax return on assets | 0.9618% | 3,355 |
| Return on Equity (ROE) | 5.5112% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.5112% | 2,562 |
| Net charge-offs to loans | 0.0028% | 2,517 |
| Credit loss provision to net charge-offs | 833.3333% | 590 |
| Earnings coverage of net charge-offs (x) | 492.0000% | 280 |
| Efficiency ratio | 76.8688% | 1,040 |
| Assets per employee ($millions) | 5.2962% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,775 |
| Loan loss allowance to noncurrent loans | 213.8716% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 1,979 |
| Noncurrent loans to loans | 0.4653% | 1,968 |
| Net loans and leases to total assets | 66.9186% | 1,383 |
| Net loans and leases to deposits | 85.2841% | 839 |
| Net loans and leases to core deposits | 88.9702% | 1,016 |
| Total domestic deposits to total assets | 78.4655% | 4,354 |
| Equity capital to assets | 13.9917% | 667 |
| Core capital (leverage) ratio | 14.1269% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,343,000 | 3,480 |
| Average earning assets | $136,953,400 | 3,507 |
| Average equity | $20,902,800 | 3,135 |
| Average total loans | $106,072,200 | 3,124 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 967 |
| Cost of funding earning assets | 0.6739% | 444 |
| Net interest margin | 3.6164% | 1,558 |
| Noninterest income to average assets | 0.9630% | 1,129 |
| Noninterest expense to average assets | 3.2724% | 626 |
| Loan and lease loss provision to assets | 0.0221% | 2,554 |
| Net operating income to assets | 0.7659% | 3,610 |
| Return on assets (ROA) | 0.7624% | 3,681 |
| Pretax return on assets | 0.9559% | 3,573 |
| Return on Equity (ROE) | 5.4923% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.4923% | 3,047 |
| Net charge-offs to loans | 0.0025% | 2,274 |
| Credit loss provision to net charge-offs | 1,250.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 551.0000% | 274 |
| Efficiency ratio | 76.9070% | 965 |
| Assets per employee ($millions) | 5.2653% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,933 |
| Loan loss allowance to noncurrent loans | 131.3850% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 1,481 |
| Noncurrent loans to loans | 0.7405% | 1,512 |
| Net loans and leases to total assets | 68.9261% | 1,199 |
| Net loans and leases to deposits | 88.7261% | 674 |
| Net loans and leases to core deposits | 92.2782% | 917 |
| Total domestic deposits to total assets | 77.6841% | 4,450 |
| Equity capital to assets | 13.9324% | 751 |
| Core capital (leverage) ratio | 14.0582% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,531,000 | 3,521 |
| Average earning assets | $136,116,500 | 3,554 |
| Average equity | $20,756,000 | 3,187 |
| Average total loans | $106,636,750 | 3,160 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 881 |
| Cost of funding earning assets | 0.7228% | 409 |
| Net interest margin | 3.6523% | 1,462 |
| Noninterest income to average assets | 1.0574% | 980 |
| Noninterest expense to average assets | 3.3217% | 601 |
| Loan and lease loss provision to assets | 0.0337% | 2,311 |
| Net operating income to assets | 0.8163% | 3,459 |
| Return on assets (ROA) | 0.8109% | 3,546 |
| Pretax return on assets | 1.0170% | 3,406 |
| Return on Equity (ROE) | 5.8494% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.8494% | 2,868 |
| Net charge-offs to loans | 0.0019% | 2,146 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 785.0000% | 178 |
| Efficiency ratio | 75.8536% | 1,093 |
| Assets per employee ($millions) | 5.2590% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,914 |
| Loan loss allowance to noncurrent loans | 122.9216% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 1,509 |
| Noncurrent loans to loans | 0.7912% | 1,540 |
| Net loans and leases to total assets | 69.1019% | 1,310 |
| Net loans and leases to deposits | 89.6881% | 670 |
| Net loans and leases to core deposits | 93.2852% | 940 |
| Total domestic deposits to total assets | 77.0469% | 4,511 |
| Equity capital to assets | 13.7105% | 776 |
| Core capital (leverage) ratio | 13.8351% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,476,667 | 3,542 |
| Average earning assets | $135,039,667 | 3,571 |
| Average equity | $20,583,333 | 3,199 |
| Average total loans | $106,755,667 | 3,172 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 786 |
| Cost of funding earning assets | 0.7874% | 382 |
| Net interest margin | 3.7024% | 1,325 |
| Noninterest income to average assets | 1.0979% | 985 |
| Noninterest expense to average assets | 3.3074% | 599 |
| Loan and lease loss provision to assets | 0.0683% | 1,786 |
| Net operating income to assets | 0.8658% | 3,220 |
| Return on assets (ROA) | 0.8658% | 3,306 |
| Pretax return on assets | 1.0870% | 3,142 |
| Return on Equity (ROE) | 6.2096% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.2096% | 2,827 |
| Net charge-offs to loans | -0.0037% | 3,291 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1126% | 1,299 |
| Assets per employee ($millions) | 5.2233% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,011 |
| Loan loss allowance to noncurrent loans | 133.4620% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 1,848 |
| Noncurrent loans to loans | 0.7139% | 1,814 |
| Net loans and leases to total assets | 71.1697% | 1,133 |
| Net loans and leases to deposits | 92.5111% | 564 |
| Net loans and leases to core deposits | 95.9512% | 886 |
| Total domestic deposits to total assets | 76.9310% | 4,519 |
| Equity capital to assets | 13.5421% | 779 |
| Core capital (leverage) ratio | 13.9673% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,459,500 | 3,561 |
| Average earning assets | $133,102,500 | 3,595 |
| Average equity | $20,420,000 | 3,210 |
| Average total loans | $106,922,000 | 3,169 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 1,103 |
| Cost of funding earning assets | 1.1870% | 294 |
| Net interest margin | 3.4084% | 2,751 |
| Noninterest income to average assets | 1.5272% | 519 |
| Noninterest expense to average assets | 3.5888% | 613 |
| Loan and lease loss provision to assets | 0.1769% | 2,183 |
| Net operating income to assets | 0.6903% | 3,465 |
| Return on assets (ROA) | 0.6903% | 3,599 |
| Pretax return on assets | 0.8614% | 3,470 |
| Return on Equity (ROE) | 4.8633% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.8633% | 2,337 |
| Net charge-offs to loans | 0.0028% | 3,281 |
| Credit loss provision to net charge-offs | 8,166.6667% | 130 |
| Earnings coverage of net charge-offs (x) | 479.3333% | 245 |
| Efficiency ratio | 77.5593% | 1,074 |
| Assets per employee ($millions) | 4.8773% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,994 |
| Loan loss allowance to noncurrent loans | 91.5761% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 1,310 |
| Noncurrent loans to loans | 1.0514% | 1,354 |
| Net loans and leases to total assets | 73.5215% | 1,088 |
| Net loans and leases to deposits | 98.2484% | 451 |
| Net loans and leases to core deposits | 101.6649% | 831 |
| Total domestic deposits to total assets | 74.8323% | 4,583 |
| Equity capital to assets | 14.3712% | 709 |
| Core capital (leverage) ratio | 14.1345% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2166% | 424 |
| Memoranda: | ||
| Average total assets | $138,487,800 | 3,531 |
| Average earning assets | $125,952,400 | 3,556 |
| Average equity | $19,657,400 | 3,216 |
| Average total loans | $105,905,800 | 3,152 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 1,159 |
| Cost of funding earning assets | 1.2626% | 290 |
| Net interest margin | 3.3974% | 2,931 |
| Noninterest income to average assets | 1.2118% | 735 |
| Noninterest expense to average assets | 3.4100% | 791 |
| Loan and lease loss provision to assets | 0.1401% | 2,617 |
| Net operating income to assets | 0.6030% | 3,756 |
| Return on assets (ROA) | 0.6030% | 3,857 |
| Pretax return on assets | 0.7530% | 3,771 |
| Return on Equity (ROE) | 4.2619% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.2619% | 2,920 |
| Net charge-offs to loans | 0.0025% | 3,091 |
| Credit loss provision to net charge-offs | 7,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 461.5000% | 246 |
| Efficiency ratio | 79.2398% | 922 |
| Assets per employee ($millions) | 5.0011% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 4,237 |
| Loan loss allowance to noncurrent loans | 123.4100% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 2,166 |
| Noncurrent loans to loans | 0.6850% | 2,077 |
| Net loans and leases to total assets | 73.7584% | 1,405 |
| Net loans and leases to deposits | 99.2881% | 565 |
| Net loans and leases to core deposits | 104.1829% | 914 |
| Total domestic deposits to total assets | 74.2872% | 4,551 |
| Equity capital to assets | 13.7431% | 927 |
| Core capital (leverage) ratio | 14.6180% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7579% | 529 |
| Memoranda: | ||
| Average total assets | $137,749,000 | 3,531 |
| Average earning assets | $125,349,250 | 3,551 |
| Average equity | $19,490,000 | 3,235 |
| Average total loans | $106,131,750 | 3,154 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 1,262 |
| Cost of funding earning assets | 1.3541% | 282 |
| Net interest margin | 3.4030% | 3,088 |
| Noninterest income to average assets | 0.9562% | 1,060 |
| Noninterest expense to average assets | 3.2530% | 1,071 |
| Loan and lease loss provision to assets | 0.0739% | 3,375 |
| Net operating income to assets | 0.5823% | 3,796 |
| Return on assets (ROA) | 0.5823% | 3,877 |
| Pretax return on assets | 0.7272% | 3,805 |
| Return on Equity (ROE) | 4.0739% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.0739% | 2,866 |
| Net charge-offs to loans | 0.0019% | 2,955 |
| Credit loss provision to net charge-offs | 5,000.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 542.0000% | 190 |
| Efficiency ratio | 80.2406% | 874 |
| Assets per employee ($millions) | 5.1566% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 4,425 |
| Loan loss allowance to noncurrent loans | 85.9244% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 1,795 |
| Noncurrent loans to loans | 0.8907% | 1,718 |
| Net loans and leases to total assets | 76.1813% | 1,106 |
| Net loans and leases to deposits | 104.6636% | 354 |
| Net loans and leases to core deposits | 110.1688% | 732 |
| Total domestic deposits to total assets | 72.7869% | 4,665 |
| Equity capital to assets | 14.1144% | 832 |
| Core capital (leverage) ratio | 14.4099% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8066% | 515 |
| Memoranda: | ||
| Average total assets | $135,321,000 | 3,543 |
| Average earning assets | $123,184,667 | 3,564 |
| Average equity | $19,342,667 | 3,237 |
| Average total loans | $105,547,000 | 3,155 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 1,306 |
| Cost of funding earning assets | 1.4461% | 329 |
| Net interest margin | 3.4050% | 3,283 |
| Noninterest income to average assets | 0.3869% | 3,194 |
| Noninterest expense to average assets | 2.8763% | 2,191 |
| Loan and lease loss provision to assets | 0.0300% | 3,402 |
| Net operating income to assets | 0.4889% | 3,923 |
| Return on assets (ROA) | 0.4889% | 3,978 |
| Pretax return on assets | 0.5878% | 3,940 |
| Return on Equity (ROE) | 3.3979% | 4,116 |
| Retained earnings to average equity (ytd only) | 3.3979% | 2,921 |
| Net charge-offs to loans | 0.0038% | 2,444 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 206.0000% | 338 |
| Efficiency ratio | 82.3176% | 956 |
| Assets per employee ($millions) | 5.2044% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 4,561 |
| Loan loss allowance to noncurrent loans | 84.1991% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 1,957 |
| Noncurrent loans to loans | 0.8674% | 1,882 |
| Net loans and leases to total assets | 78.1451% | 956 |
| Net loans and leases to deposits | 110.5463% | 177 |
| Net loans and leases to core deposits | 116.6152% | 569 |
| Total domestic deposits to total assets | 70.6899% | 4,832 |
| Equity capital to assets | 14.2593% | 982 |
| Core capital (leverage) ratio | 14.4552% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5580% | 526 |
| Memoranda: | ||
| Average total assets | $133,368,000 | 3,544 |
| Average earning assets | $121,704,500 | 3,554 |
| Average equity | $19,188,500 | 3,258 |
| Average total loans | $104,879,000 | 3,158 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 1,545 |
| Cost of funding earning assets | 1.4970% | 397 |
| Net interest margin | 3.4757% | 3,522 |
| Noninterest income to average assets | 0.4687% | 2,910 |
| Noninterest expense to average assets | 2.9151% | 2,246 |
| Loan and lease loss provision to assets | 0.0104% | 3,802 |
| Net operating income to assets | 0.5853% | 4,205 |
| Return on assets (ROA) | 0.5853% | 4,260 |
| Pretax return on assets | 0.7298% | 4,135 |
| Return on Equity (ROE) | 3.9264% | 4,477 |
| Retained earnings to average equity (ytd only) | 3.9264% | 3,002 |
| Net charge-offs to loans | 0.0119% | 3,262 |
| Credit loss provision to net charge-offs | 108.3333% | 2,300 |
| Earnings coverage of net charge-offs (x) | 77.2500% | 812 |
| Efficiency ratio | 79.7510% | 966 |
| Assets per employee ($millions) | 5.0547% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 4,470 |
| Loan loss allowance to noncurrent loans | 101.8543% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 2,167 |
| Noncurrent loans to loans | 0.7313% | 2,051 |
| Net loans and leases to total assets | 77.9700% | 1,086 |
| Net loans and leases to deposits | 109.8439% | 191 |
| Net loans and leases to core deposits | 116.0175% | 599 |
| Total domestic deposits to total assets | 70.9826% | 4,897 |
| Equity capital to assets | 14.5197% | 928 |
| Core capital (leverage) ratio | 14.6356% | 767 |
| Tier 1 risk-based capital ratio | 24.1080% | 819 |
| Total risk-based capital ratio | 25.0806% | 830 |
| Memoranda: | ||
| Average total assets | $125,243,800 | 3,627 |
| Average earning assets | $114,826,600 | 3,634 |
| Average equity | $18,668,400 | 3,260 |
| Average total loans | $100,800,000 | 3,216 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 1,640 |
| Cost of funding earning assets | 1.4907% | 417 |
| Net interest margin | 3.4729% | 3,655 |
| Noninterest income to average assets | 0.4117% | 3,248 |
| Noninterest expense to average assets | 2.9231% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5400% | 4,427 |
| Return on assets (ROA) | 0.5400% | 4,482 |
| Pretax return on assets | 0.6726% | 4,403 |
| Return on Equity (ROE) | 3.5981% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.5981% | 3,601 |
| Net charge-offs to loans | 0.0160% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 51.9988% | 1,161 |
| Efficiency ratio | 81.2950% | 809 |
| Assets per employee ($millions) | 5.7085% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 4,599 |
| Loan loss allowance to noncurrent loans | 99.0826% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 2,263 |
| Noncurrent loans to loans | 0.7307% | 2,139 |
| Net loans and leases to total assets | 78.9535% | 997 |
| Net loans and leases to deposits | 109.4301% | 237 |
| Net loans and leases to core deposits | 115.7847% | 667 |
| Total domestic deposits to total assets | 72.1497% | 4,909 |
| Equity capital to assets | 14.3539% | 1,022 |
| Core capital (leverage) ratio | 14.1596% | 945 |
| Tier 1 risk-based capital ratio | 22.9798% | 946 |
| Total risk-based capital ratio | 23.9025% | 961 |
| Memoranda: | ||
| Average total assets | $123,699,500 | 3,681 |
| Average earning assets | $113,409,500 | 3,692 |
| Average equity | $18,565,000 | 3,293 |
| Average total loans | $100,190,500 | 3,263 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 1,777 |
| Cost of funding earning assets | 1.4122% | 512 |
| Net interest margin | 3.4782% | 3,665 |
| Noninterest income to average assets | 0.3747% | 3,435 |
| Noninterest expense to average assets | 2.9463% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4968% | 4,530 |
| Return on assets (ROA) | 0.4968% | 4,567 |
| Pretax return on assets | 0.6157% | 4,516 |
| Return on Equity (ROE) | 3.2591% | 4,734 |
| Retained earnings to average equity (ytd only) | 3.2591% | 3,591 |
| Net charge-offs to loans | -0.0081% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7155% | 753 |
| Assets per employee ($millions) | 5.3189% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7661% | 4,562 |
| Loan loss allowance to noncurrent loans | 103.7634% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 2,206 |
| Noncurrent loans to loans | 0.7383% | 2,146 |
| Net loans and leases to total assets | 81.7403% | 650 |
| Net loans and leases to deposits | 119.7124% | 90 |
| Net loans and leases to core deposits | 126.8305% | 367 |
| Total domestic deposits to total assets | 68.2805% | 5,096 |
| Equity capital to assets | 15.2450% | 754 |
| Core capital (leverage) ratio | 15.2791% | 655 |
| Tier 1 risk-based capital ratio | 24.6971% | 780 |
| Total risk-based capital ratio | 25.7206% | 791 |
| Memoranda: | ||
| Average total assets | $121,167,670 | 3,742 |
| Average earning assets | $111,036,000 | 3,758 |
| Average equity | $18,471,330 | 3,296 |
| Average total loans | $98,781,330 | 3,303 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 1,886 |
| Cost of funding earning assets | 1.3937% | 473 |
| Net interest margin | 3.4102% | 3,864 |
| Noninterest income to average assets | 0.3682% | 3,384 |
| Noninterest expense to average assets | 2.8461% | 2,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5042% | 4,510 |
| Return on assets (ROA) | 0.5042% | 4,528 |
| Pretax return on assets | 0.6469% | 4,426 |
| Return on Equity (ROE) | 3.3076% | 4,719 |
| Retained earnings to average equity (ytd only) | 3.3076% | 3,592 |
| Net charge-offs to loans | -0.0164% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 924 |
| Assets per employee ($millions) | 5.2879% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 4,544 |
| Loan loss allowance to noncurrent loans | 119.8758% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 2,516 |
| Noncurrent loans to loans | 0.6620% | 2,360 |
| Net loans and leases to total assets | 79.3458% | 931 |
| Net loans and leases to deposits | 113.6173% | 152 |
| Net loans and leases to core deposits | 120.0378% | 527 |
| Total domestic deposits to total assets | 69.8360% | 5,117 |
| Equity capital to assets | 15.1848% | 716 |
| Core capital (leverage) ratio | 15.2904% | 640 |
| Tier 1 risk-based capital ratio | 25.1727% | 752 |
| Total risk-based capital ratio | 26.2243% | 747 |
| Memoranda: | ||
| Average total assets | $120,584,000 | 3,794 |
| Average earning assets | $110,493,500 | 3,804 |
| Average equity | $18,382,000 | 3,323 |
| Average total loans | $97,787,500 | 3,353 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,416 |
| Cost of funding earning assets | 1.1446% | 428 |
| Net interest margin | 3.7084% | 3,003 |
| Noninterest income to average assets | 0.3220% | 3,947 |
| Noninterest expense to average assets | 3.0166% | 2,008 |
| Loan and lease loss provision to assets | 0.0044% | 4,024 |
| Net operating income to assets | 0.5663% | 4,510 |
| Return on assets (ROA) | 0.5663% | 4,514 |
| Pretax return on assets | 0.7077% | 4,393 |
| Return on Equity (ROE) | 3.6165% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.6165% | 3,593 |
| Net charge-offs to loans | -0.0075% | 4,428 |
| Credit loss provision to net charge-offs | -71.4286% | 4,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9033% | 881 |
| Assets per employee ($millions) | 5.1977% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,599 |
| Loan loss allowance to noncurrent loans | 791.7526% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 4,414 |
| Noncurrent loans to loans | 0.0987% | 4,292 |
| Net loans and leases to total assets | 81.5862% | 713 |
| Net loans and leases to deposits | 116.8578% | 137 |
| Net loans and leases to core deposits | 123.1711% | 466 |
| Total domestic deposits to total assets | 69.8166% | 5,158 |
| Equity capital to assets | 15.3046% | 642 |
| Core capital (leverage) ratio | 15.6005% | 581 |
| Tier 1 risk-based capital ratio | 25.0123% | 745 |
| Total risk-based capital ratio | 26.0604% | 741 |
| Memoranda: | ||
| Average total assets | $114,600,000 | 3,878 |
| Average earning assets | $105,274,400 | 3,893 |
| Average equity | $17,945,400 | 3,299 |
| Average total loans | $93,009,000 | 3,423 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 1,428 |
| Cost of funding earning assets | 1.0970% | 407 |
| Net interest margin | 3.7033% | 3,010 |
| Noninterest income to average assets | 0.2999% | 4,143 |
| Noninterest expense to average assets | 3.0132% | 1,980 |
| Loan and lease loss provision to assets | 0.0059% | 3,856 |
| Net operating income to assets | 0.5469% | 4,648 |
| Return on assets (ROA) | 0.5469% | 4,656 |
| Pretax return on assets | 0.6833% | 4,571 |
| Return on Equity (ROE) | 3.4718% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.4718% | 4,030 |
| Net charge-offs to loans | -0.0116% | 4,442 |
| Credit loss provision to net charge-offs | -62.5000% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3850% | 825 |
| Assets per employee ($millions) | 4.6284% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 4,562 |
| Loan loss allowance to noncurrent loans | 477.6398% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 4,250 |
| Noncurrent loans to loans | 0.1705% | 4,124 |
| Net loans and leases to total assets | 80.9280% | 881 |
| Net loans and leases to deposits | 111.7301% | 241 |
| Net loans and leases to core deposits | 117.7267% | 648 |
| Total domestic deposits to total assets | 72.4317% | 5,097 |
| Equity capital to assets | 15.6211% | 597 |
| Core capital (leverage) ratio | 15.6539% | 572 |
| Tier 1 risk-based capital ratio | 26.0630% | 677 |
| Total risk-based capital ratio | 27.1677% | 674 |
| Memoranda: | ||
| Average total assets | $113,363,500 | 3,934 |
| Average earning assets | $104,157,000 | 3,950 |
| Average equity | $17,857,750 | 3,335 |
| Average total loans | $91,686,000 | 3,467 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 1,511 |
| Cost of funding earning assets | 1.0413% | 380 |
| Net interest margin | 3.6599% | 3,079 |
| Noninterest income to average assets | 0.2789% | 4,322 |
| Noninterest expense to average assets | 2.9792% | 2,100 |
| Loan and lease loss provision to assets | 0.0089% | 3,668 |
| Net operating income to assets | 0.5329% | 4,671 |
| Return on assets (ROA) | 0.5329% | 4,679 |
| Pretax return on assets | 0.6626% | 4,610 |
| Return on Equity (ROE) | 3.3736% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.3736% | 3,891 |
| Net charge-offs to loans | -0.0264% | 4,692 |
| Credit loss provision to net charge-offs | -41.6667% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6058% | 863 |
| Assets per employee ($millions) | 4.6116% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 4,635 |
| Loan loss allowance to noncurrent loans | 5,153.3333% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,973 |
| Noncurrent loans to loans | 0.0159% | 4,874 |
| Net loans and leases to total assets | 80.9487% | 865 |
| Net loans and leases to deposits | 112.3639% | 227 |
| Net loans and leases to core deposits | 118.4388% | 613 |
| Total domestic deposits to total assets | 72.0416% | 5,182 |
| Equity capital to assets | 15.5418% | 587 |
| Core capital (leverage) ratio | 15.9709% | 501 |
| Tier 1 risk-based capital ratio | 26.1065% | 664 |
| Total risk-based capital ratio | 27.2290% | 659 |
| Memoranda: | ||
| Average total assets | $112,581,670 | 3,979 |
| Average earning assets | $103,717,670 | 3,993 |
| Average equity | $17,785,330 | 3,357 |
| Average total loans | $90,778,000 | 3,498 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 1,467 |
| Cost of funding earning assets | 0.9986% | 368 |
| Net interest margin | 3.6393% | 3,031 |
| Noninterest income to average assets | 0.2050% | 4,800 |
| Noninterest expense to average assets | 2.9885% | 2,093 |
| Loan and lease loss provision to assets | 0.0180% | 3,299 |
| Net operating income to assets | 0.4459% | 4,828 |
| Return on assets (ROA) | 0.4459% | 4,827 |
| Pretax return on assets | 0.5538% | 4,784 |
| Return on Equity (ROE) | 2.7993% | 5,060 |
| Retained earnings to average equity (ytd only) | 2.7993% | 4,072 |
| Net charge-offs to loans | -0.0090% | 4,206 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9394% | 800 |
| Assets per employee ($millions) | 5.1135% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 4,626 |
| Loan loss allowance to noncurrent loans | 351.6129% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 3,797 |
| Noncurrent loans to loans | 0.2426% | 3,899 |
| Net loans and leases to total assets | 78.8305% | 1,111 |
| Net loans and leases to deposits | 110.4040% | 243 |
| Net loans and leases to core deposits | 116.5749% | 710 |
| Total domestic deposits to total assets | 71.4019% | 5,315 |
| Equity capital to assets | 15.7809% | 523 |
| Core capital (leverage) ratio | 16.0661% | 480 |
| Tier 1 risk-based capital ratio | 27.4769% | 590 |
| Total risk-based capital ratio | 28.6546% | 582 |
| Memoranda: | ||
| Average total assets | $111,228,000 | 4,045 |
| Average earning assets | $102,546,000 | 4,048 |
| Average equity | $17,719,000 | 3,394 |
| Average total loans | $89,118,000 | 3,566 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 1,623 |
| Cost of funding earning assets | 1.0211% | 190 |
| Net interest margin | 3.5073% | 3,498 |
| Noninterest income to average assets | 0.2929% | 4,364 |
| Noninterest expense to average assets | 2.7244% | 3,047 |
| Loan and lease loss provision to assets | 0.0739% | 2,727 |
| Net operating income to assets | 0.4878% | 4,407 |
| Return on assets (ROA) | 0.4878% | 4,438 |
| Pretax return on assets | 0.7344% | 4,430 |
| Return on Equity (ROE) | 4.1280% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.1280% | 2,689 |
| Net charge-offs to loans | 0.0192% | 3,464 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 54.6875% | 1,026 |
| Efficiency ratio | 77.1182% | 1,468 |
| Assets per employee ($millions) | 4.9981% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,662 |
| Loan loss allowance to noncurrent loans | 193.8462% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 3,144 |
| Noncurrent loans to loans | 0.4392% | 3,207 |
| Net loans and leases to total assets | 80.0617% | 952 |
| Net loans and leases to deposits | 113.9376% | 183 |
| Net loans and leases to core deposits | 120.5612% | 568 |
| Total domestic deposits to total assets | 70.2680% | 5,396 |
| Equity capital to assets | 16.0833% | 504 |
| Core capital (leverage) ratio | 16.1870% | 451 |
| Tier 1 risk-based capital ratio | 27.4248% | 573 |
| Total risk-based capital ratio | 28.5976% | 569 |
| Memoranda: | ||
| Average total assets | $108,245,800 | 4,097 |
| Average earning assets | $99,990,200 | 4,096 |
| Average equity | $12,790,800 | 4,017 |
| Average total loans | $83,527,800 | 3,667 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,624 |
| Cost of funding earning assets | 1.0305% | 170 |
| Net interest margin | 3.4755% | 3,586 |
| Noninterest income to average assets | 0.2918% | 4,444 |
| Noninterest expense to average assets | 2.7119% | 3,022 |
| Loan and lease loss provision to assets | 0.0804% | 2,481 |
| Net operating income to assets | 0.4625% | 4,844 |
| Return on assets (ROA) | 0.4625% | 4,872 |
| Pretax return on assets | 0.7111% | 4,582 |
| Return on Equity (ROE) | 4.3109% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.3109% | 3,340 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4091% | 1,405 |
| Assets per employee ($millions) | 5.2121% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,701 |
| Loan loss allowance to noncurrent loans | 200.7958% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 3,335 |
| Noncurrent loans to loans | 0.4316% | 3,413 |
| Net loans and leases to total assets | 79.1072% | 1,107 |
| Net loans and leases to deposits | 110.5711% | 261 |
| Net loans and leases to core deposits | 117.0540% | 704 |
| Total domestic deposits to total assets | 71.5442% | 5,409 |
| Equity capital to assets | 16.0369% | 541 |
| Core capital (leverage) ratio | 15.5001% | 577 |
| Tier 1 risk-based capital ratio | 27.8409% | 577 |
| Total risk-based capital ratio | 29.0435% | 564 |
| Memoranda: | ||
| Average total assets | $107,817,500 | 4,143 |
| Average earning assets | $99,629,000 | 4,145 |
| Average equity | $11,567,250 | 4,253 |
| Average total loans | $82,212,000 | 3,724 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 1,585 |
| Cost of funding earning assets | 1.0515% | 130 |
| Net interest margin | 3.4248% | 3,681 |
| Noninterest income to average assets | 0.2908% | 4,477 |
| Noninterest expense to average assets | 2.6941% | 3,109 |
| Loan and lease loss provision to assets | 0.0932% | 2,126 |
| Net operating income to assets | 0.4344% | 4,885 |
| Return on assets (ROA) | 0.4344% | 4,910 |
| Pretax return on assets | 0.6675% | 4,639 |
| Return on Equity (ROE) | 4.8684% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.8684% | 2,798 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9817% | 1,465 |
| Assets per employee ($millions) | 5.9869% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 4,733 |
| Loan loss allowance to noncurrent loans | 170.5747% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 3,379 |
| Noncurrent loans to loans | 0.5132% | 3,216 |
| Net loans and leases to total assets | 70.1665% | 2,503 |
| Net loans and leases to deposits | 91.9122% | 1,503 |
| Net loans and leases to core deposits | 96.7614% | 1,909 |
| Total domestic deposits to total assets | 76.3408% | 5,049 |
| Equity capital to assets | 8.0935% | 5,490 |
| Core capital (leverage) ratio | 8.8822% | 4,861 |
| Tier 1 risk-based capital ratio | 15.6244% | 2,657 |
| Total risk-based capital ratio | 16.8243% | 2,608 |
| Memoranda: | ||
| Average total assets | $107,272,000 | 4,181 |
| Average earning assets | $99,099,330 | 4,177 |
| Average equity | $9,572,000 | 4,581 |
| Average total loans | $80,501,670 | 3,781 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 1,286 |
| Cost of funding earning assets | 1.0880% | 102 |
| Net interest margin | 3.4490% | 3,448 |
| Noninterest income to average assets | 0.3286% | 4,197 |
| Noninterest expense to average assets | 2.8464% | 2,627 |
| Loan and lease loss provision to assets | 0.0396% | 3,012 |
| Net operating income to assets | 0.4236% | 4,879 |
| Return on assets (ROA) | 0.4236% | 4,900 |
| Pretax return on assets | 0.6176% | 4,690 |
| Return on Equity (ROE) | 4.4993% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.4993% | 3,171 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2429% | 1,229 |
| Assets per employee ($millions) | 4.9554% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,885 |
| Loan loss allowance to noncurrent loans | 116.6113% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 2,661 |
| Noncurrent loans to loans | 0.7396% | 2,644 |
| Net loans and leases to total assets | 77.5434% | 1,194 |
| Net loans and leases to deposits | 108.8283% | 239 |
| Net loans and leases to core deposits | 115.9830% | 594 |
| Total domestic deposits to total assets | 71.2530% | 5,584 |
| Equity capital to assets | 9.1915% | 4,622 |
| Core capital (leverage) ratio | 9.3727% | 4,256 |
| Tier 1 risk-based capital ratio | 16.3660% | 2,408 |
| Total risk-based capital ratio | 17.5709% | 2,369 |
| Memoranda: | ||
| Average total assets | $101,039,000 | 4,330 |
| Average earning assets | $93,013,500 | 4,335 |
| Average equity | $9,512,500 | 4,624 |
| Average total loans | $78,373,500 | 3,855 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 1,362 |
| Cost of funding earning assets | 1.1107% | 91 |
| Net interest margin | 3.4586% | 3,592 |
| Noninterest income to average assets | 0.2677% | 4,811 |
| Noninterest expense to average assets | 2.9806% | 2,407 |
| Loan and lease loss provision to assets | 0.1846% | 1,281 |
| Net operating income to assets | 0.1610% | 5,475 |
| Return on assets (ROA) | 0.1610% | 5,516 |
| Pretax return on assets | 0.2739% | 5,398 |
| Return on Equity (ROE) | 1.6595% | 5,464 |
| Retained earnings to average equity (ytd only) | 1.6595% | 4,589 |
| Net charge-offs to loans | 0.1090% | 2,179 |
| Credit loss provision to net charge-offs | 225.0000% | 1,274 |
| Earnings coverage of net charge-offs (x) | 5.5875% | 3,317 |
| Efficiency ratio | 86.6687% | 773 |
| Assets per employee ($millions) | 4.6674% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,704 |
| Loan loss allowance to noncurrent loans | 134.3689% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 2,868 |
| Noncurrent loans to loans | 0.6835% | 2,824 |
| Net loans and leases to total assets | 76.1710% | 1,487 |
| Net loans and leases to deposits | 100.1785% | 659 |
| Net loans and leases to core deposits | 106.4049% | 1,106 |
| Total domestic deposits to total assets | 76.0353% | 5,234 |
| Equity capital to assets | 9.6516% | 4,116 |
| Core capital (leverage) ratio | 9.7885% | 3,761 |
| Tier 1 risk-based capital ratio | 17.3450% | 2,047 |
| Total risk-based capital ratio | 18.5937% | 2,009 |
| Memoranda: | ||
| Average total assets | $97,497,800 | 4,394 |
| Average earning assets | $89,400,400 | 4,404 |
| Average equity | $9,460,400 | 4,663 |
| Average total loans | $73,417,000 | 3,956 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 1,200 |
| Cost of funding earning assets | 1.1164% | 82 |
| Net interest margin | 3.5285% | 3,364 |
| Noninterest income to average assets | 0.2164% | 5,168 |
| Noninterest expense to average assets | 2.9386% | 2,504 |
| Loan and lease loss provision to assets | 0.0959% | 2,309 |
| Net operating income to assets | 0.3232% | 5,237 |
| Return on assets (ROA) | 0.3232% | 5,315 |
| Pretax return on assets | 0.4149% | 5,280 |
| Return on Equity (ROE) | 3.3260% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.3260% | 3,905 |
| Net charge-offs to loans | 0.1462% | 1,531 |
| Credit loss provision to net charge-offs | 87.5000% | 2,570 |
| Earnings coverage of net charge-offs (x) | 4.6627% | 3,243 |
| Efficiency ratio | 85.1925% | 885 |
| Assets per employee ($millions) | 4.6263% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 5,181 |
| Loan loss allowance to noncurrent loans | 84.1040% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 2,478 |
| Noncurrent loans to loans | 0.9539% | 2,338 |
| Net loans and leases to total assets | 74.0695% | 1,861 |
| Net loans and leases to deposits | 96.4650% | 1,002 |
| Net loans and leases to core deposits | 101.7189% | 1,504 |
| Total domestic deposits to total assets | 76.7838% | 5,123 |
| Equity capital to assets | 9.8650% | 4,288 |
| Core capital (leverage) ratio | 9.7406% | 3,886 |
| Tier 1 risk-based capital ratio | 18.0593% | 1,901 |
| Total risk-based capital ratio | 19.1688% | 1,911 |
| Memoranda: | ||
| Average total assets | $97,368,500 | 4,430 |
| Average earning assets | $89,213,000 | 4,445 |
| Average equity | $9,460,500 | 4,709 |
| Average total loans | $72,933,500 | 3,993 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 1,086 |
| Cost of funding earning assets | 1.1114% | 83 |
| Net interest margin | 3.5717% | 3,202 |
| Noninterest income to average assets | 0.1232% | 5,694 |
| Noninterest expense to average assets | 2.9084% | 2,650 |
| Loan and lease loss provision to assets | 0.1129% | 1,991 |
| Net operating income to assets | 0.3120% | 5,289 |
| Return on assets (ROA) | 0.3120% | 5,379 |
| Pretax return on assets | 0.3736% | 5,384 |
| Return on Equity (ROE) | 3.2274% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.2274% | 3,839 |
| Net charge-offs to loans | 0.3230% | 730 |
| Credit loss provision to net charge-offs | 46.6102% | 2,704 |
| Earnings coverage of net charge-offs (x) | 2.0085% | 3,342 |
| Efficiency ratio | 85.6711% | 910 |
| Assets per employee ($millions) | 4.6874% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 5,459 |
| Loan loss allowance to noncurrent loans | 55.0468% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2140% | 1,706 |
| Noncurrent loans to loans | 1.3212% | 1,706 |
| Net loans and leases to total assets | 73.3573% | 1,956 |
| Net loans and leases to deposits | 94.9270% | 1,199 |
| Net loans and leases to core deposits | 99.6371% | 1,660 |
| Total domestic deposits to total assets | 77.2776% | 5,123 |
| Equity capital to assets | 9.6601% | 4,603 |
| Core capital (leverage) ratio | 9.6038% | 4,064 |
| Tier 1 risk-based capital ratio | 17.6828% | 2,021 |
| Total risk-based capital ratio | 18.6783% | 2,054 |
| Memoranda: | ||
| Average total assets | $97,440,670 | 4,465 |
| Average earning assets | $89,256,670 | 4,481 |
| Average equity | $9,419,330 | 4,750 |
| Average total loans | $73,064,000 | 4,017 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 1,481 |
| Cost of funding earning assets | 1.1114% | 89 |
| Net interest margin | 3.3974% | 3,879 |
| Noninterest income to average assets | 0.2187% | 5,172 |
| Noninterest expense to average assets | 2.9296% | 2,609 |
| Loan and lease loss provision to assets | 0.0619% | 2,707 |
| Net operating income to assets | 0.3301% | 5,212 |
| Return on assets (ROA) | 0.3301% | 5,299 |
| Pretax return on assets | 0.3301% | 5,450 |
| Return on Equity (ROE) | 3.4135% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.4135% | 3,799 |
| Net charge-offs to loans | 0.1748% | 1,095 |
| Credit loss provision to net charge-offs | 46.8750% | 2,076 |
| Earnings coverage of net charge-offs (x) | 2.9688% | 2,606 |
| Efficiency ratio | 88.1988% | 798 |
| Assets per employee ($millions) | 4.6393% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 5,423 |
| Loan loss allowance to noncurrent loans | 41.7271% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 2.0570% | 834 |
| Noncurrent loans to loans | 1.8648% | 1,188 |
| Net loans and leases to total assets | 75.2589% | 1,510 |
| Net loans and leases to deposits | 98.3330% | 735 |
| Net loans and leases to core deposits | 102.8042% | 1,278 |
| Total domestic deposits to total assets | 76.5348% | 5,358 |
| Equity capital to assets | 9.6721% | 4,476 |
| Core capital (leverage) ratio | 9.6305% | 3,999 |
| Tier 1 risk-based capital ratio | 17.0507% | 2,271 |
| Total risk-based capital ratio | 18.1030% | 2,289 |
| Memoranda: | ||
| Average total assets | $96,943,000 | 4,511 |
| Average earning assets | $88,538,500 | 4,537 |
| Average equity | $9,374,500 | 4,784 |
| Average total loans | $73,226,500 | 4,043 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 1,971 |
| Cost of funding earning assets | 1.1062% | 97 |
| Net interest margin | 3.2731% | 4,404 |
| Noninterest income to average assets | 0.3797% | 4,184 |
| Noninterest expense to average assets | 3.0400% | 2,416 |
| Loan and lease loss provision to assets | 0.0218% | 3,950 |
| Net operating income to assets | 0.3022% | 5,357 |
| Return on assets (ROA) | 0.3022% | 5,436 |
| Pretax return on assets | 0.3012% | 5,517 |
| Return on Equity (ROE) | 3.0046% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.0046% | 3,922 |
| Net charge-offs to loans | 0.1203% | 2,175 |
| Credit loss provision to net charge-offs | 25.6410% | 3,698 |
| Earnings coverage of net charge-offs (x) | 3.7949% | 3,659 |
| Efficiency ratio | 90.3958% | 670 |
| Assets per employee ($millions) | 4.8231% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 5,369 |
| Loan loss allowance to noncurrent loans | 48.0519% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.0609% | 843 |
| Noncurrent loans to loans | 1.6980% | 1,335 |
| Net loans and leases to total assets | 74.6053% | 1,629 |
| Net loans and leases to deposits | 97.4713% | 868 |
| Net loans and leases to core deposits | 102.3088% | 1,341 |
| Total domestic deposits to total assets | 76.5408% | 5,385 |
| Equity capital to assets | 9.6682% | 4,346 |
| Core capital (leverage) ratio | 9.8206% | 3,744 |
| Tier 1 risk-based capital ratio | 17.0677% | 2,260 |
| Total risk-based capital ratio | 18.1625% | 2,266 |
| Memoranda: | ||
| Average total assets | $91,646,000 | 4,629 |
| Average earning assets | $83,530,200 | 4,646 |
| Average equity | $9,219,200 | 4,799 |
| Average total loans | $64,846,400 | 4,234 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,106 |
| Cost of funding earning assets | 1.1101% | 94 |
| Net interest margin | 3.2300% | 4,579 |
| Noninterest income to average assets | 0.4187% | 3,940 |
| Noninterest expense to average assets | 3.0398% | 2,398 |
| Loan and lease loss provision to assets | 0.0295% | 3,650 |
| Net operating income to assets | 0.2993% | 5,452 |
| Return on assets (ROA) | 0.2993% | 5,534 |
| Pretax return on assets | 0.2919% | 5,652 |
| Return on Equity (ROE) | 2.9444% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.9444% | 4,354 |
| Net charge-offs to loans | 0.0509% | 2,886 |
| Credit loss provision to net charge-offs | 83.3333% | 2,559 |
| Earnings coverage of net charge-offs (x) | 9.0831% | 2,738 |
| Efficiency ratio | 90.4386% | 670 |
| Assets per employee ($millions) | 4.6007% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 4,767 |
| Loan loss allowance to noncurrent loans | 35.8292% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.5398% | 674 |
| Noncurrent loans to loans | 2.7820% | 678 |
| Net loans and leases to total assets | 69.7318% | 2,428 |
| Net loans and leases to deposits | 86.7478% | 2,059 |
| Net loans and leases to core deposits | 90.5221% | 2,413 |
| Total domestic deposits to total assets | 80.3845% | 4,641 |
| Equity capital to assets | 10.0963% | 4,053 |
| Core capital (leverage) ratio | 10.0609% | 3,546 |
| Tier 1 risk-based capital ratio | 18.7125% | 1,849 |
| Total risk-based capital ratio | 19.9633% | 1,809 |
| Memoranda: | ||
| Average total assets | $90,442,250 | 4,712 |
| Average earning assets | $82,393,250 | 4,727 |
| Average equity | $9,192,500 | 4,868 |
| Average total loans | $62,918,750 | 4,337 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 1,951 |
| Cost of funding earning assets | 1.1086% | 93 |
| Net interest margin | 3.2599% | 4,452 |
| Noninterest income to average assets | 0.4448% | 3,742 |
| Noninterest expense to average assets | 3.0695% | 2,335 |
| Loan and lease loss provision to assets | 0.0445% | 3,222 |
| Net operating income to assets | 0.3114% | 5,410 |
| Return on assets (ROA) | 0.3114% | 5,504 |
| Pretax return on assets | 0.3003% | 5,658 |
| Return on Equity (ROE) | 3.0568% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.0568% | 4,099 |
| Net charge-offs to loans | 0.0096% | 3,569 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 51.6667% | 936 |
| Efficiency ratio | 89.9023% | 759 |
| Assets per employee ($millions) | 4.5487% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,602 |
| Loan loss allowance to noncurrent loans | 38.0274% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.4513% | 780 |
| Noncurrent loans to loans | 2.7631% | 763 |
| Net loans and leases to total assets | 69.0447% | 2,479 |
| Net loans and leases to deposits | 85.2289% | 2,142 |
| Net loans and leases to core deposits | 88.9436% | 2,461 |
| Total domestic deposits to total assets | 81.0108% | 4,617 |
| Equity capital to assets | 10.1217% | 3,905 |
| Core capital (leverage) ratio | 10.0453% | 3,533 |
| Tier 1 risk-based capital ratio | 18.7595% | 1,852 |
| Total risk-based capital ratio | 20.0111% | 1,822 |
| Memoranda: | ||
| Average total assets | $89,918,330 | 4,768 |
| Average earning assets | $81,904,000 | 4,780 |
| Average equity | $9,160,000 | 4,909 |
| Average total loans | $62,288,670 | 4,396 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 1,598 |
| Cost of funding earning assets | 1.1161% | 87 |
| Net interest margin | 3.3384% | 4,065 |
| Noninterest income to average assets | 0.3983% | 4,017 |
| Noninterest expense to average assets | 3.1278% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3088% | 5,386 |
| Return on assets (ROA) | 0.3088% | 5,490 |
| Pretax return on assets | 0.3088% | 5,637 |
| Return on Equity (ROE) | 3.0210% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.0210% | 4,168 |
| Net charge-offs to loans | 0.0259% | 2,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,532 |
| Efficiency ratio | 91.0156% | 780 |
| Assets per employee ($millions) | 4.4943% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 4,856 |
| Loan loss allowance to noncurrent loans | 36.2108% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 2.6623% | 772 |
| Noncurrent loans to loans | 2.8497% | 796 |
| Net loans and leases to total assets | 68.9295% | 2,300 |
| Net loans and leases to deposits | 84.7138% | 1,984 |
| Net loans and leases to core deposits | 93.6346% | 1,797 |
| Total domestic deposits to total assets | 81.3675% | 4,717 |
| Equity capital to assets | 10.2174% | 3,862 |
| Core capital (leverage) ratio | 10.1783% | 3,370 |
| Tier 1 risk-based capital ratio | 18.7065% | 1,943 |
| Total risk-based capital ratio | 19.9562% | 1,904 |
| Memoranda: | ||
| Average total assets | $89,391,000 | 4,823 |
| Average earning assets | $81,356,000 | 4,834 |
| Average equity | $9,136,000 | 4,954 |
| Average total loans | $61,693,500 | 4,444 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,575 |
| Cost of funding earning assets | 1.1544% | 101 |
| Net interest margin | 3.1550% | 5,060 |
| Noninterest income to average assets | 0.2944% | 5,013 |
| Noninterest expense to average assets | 2.9647% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1978% | 5,771 |
| Return on assets (ROA) | 0.2079% | 5,812 |
| Pretax return on assets | 0.1933% | 5,882 |
| Return on Equity (ROE) | 2.0674% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.0674% | 4,748 |
| Net charge-offs to loans | 0.4932% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.5640% | 4,614 |
| Efficiency ratio | 94.1806% | 590 |
| Assets per employee ($millions) | 4.6787% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 4,699 |
| Loan loss allowance to noncurrent loans | 32.5978% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 2.9000% | 717 |
| Noncurrent loans to loans | 3.2805% | 654 |
| Net loans and leases to total assets | 67.6442% | 2,617 |
| Net loans and leases to deposits | 82.6911% | 2,384 |
| Net loans and leases to core deposits | 92.1847% | 2,069 |
| Total domestic deposits to total assets | 81.8035% | 4,491 |
| Equity capital to assets | 10.2232% | 3,829 |
| Core capital (leverage) ratio | 10.0911% | 3,447 |
| Tier 1 risk-based capital ratio | 18.7568% | 1,921 |
| Total risk-based capital ratio | 20.0075% | 1,885 |
| Memoranda: | ||
| Average total assets | $88,980,200 | 4,862 |
| Average earning assets | $80,476,600 | 4,882 |
| Average equity | $8,948,400 | 4,987 |
| Average total loans | $58,592,000 | 4,529 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,654 |
| Cost of funding earning assets | 1.1445% | 112 |
| Net interest margin | 3.1515% | 5,115 |
| Noninterest income to average assets | 0.3281% | 4,812 |
| Noninterest expense to average assets | 2.9707% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2172% | 5,814 |
| Return on assets (ROA) | 0.2172% | 5,859 |
| Pretax return on assets | 0.2037% | 5,945 |
| Return on Equity (ROE) | 2.1690% | 5,800 |
| Retained earnings to average equity (ytd only) | 2.1690% | 4,974 |
| Net charge-offs to loans | 0.2343% | 1,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,182 |
| Efficiency ratio | 93.5819% | 617 |
| Assets per employee ($millions) | 4.9782% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 3,110 |
| Loan loss allowance to noncurrent loans | 30.4807% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 3.3390% | 651 |
| Noncurrent loans to loans | 4.6353% | 415 |
| Net loans and leases to total assets | 65.1772% | 3,001 |
| Net loans and leases to deposits | 78.8604% | 2,856 |
| Net loans and leases to core deposits | 87.7675% | 2,460 |
| Total domestic deposits to total assets | 82.6489% | 4,252 |
| Equity capital to assets | 10.0627% | 4,090 |
| Core capital (leverage) ratio | 9.9663% | 3,728 |
| Tier 1 risk-based capital ratio | 19.0281% | 1,901 |
| Total risk-based capital ratio | 20.2920% | 1,861 |
| Memoranda: | ||
| Average total assets | $89,001,250 | 4,915 |
| Average earning assets | $80,382,250 | 4,935 |
| Average equity | $8,913,500 | 5,034 |
| Average total loans | $58,044,250 | 4,588 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 2,436 |
| Cost of funding earning assets | 1.1534% | 108 |
| Net interest margin | 3.1849% | 4,989 |
| Noninterest income to average assets | 0.3401% | 4,705 |
| Noninterest expense to average assets | 2.9617% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2590% | 5,688 |
| Return on assets (ROA) | 0.2590% | 5,765 |
| Pretax return on assets | 0.2455% | 5,881 |
| Return on Equity (ROE) | 2.5904% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.5904% | 4,551 |
| Net charge-offs to loans | 0.2741% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.3797% | 3,818 |
| Efficiency ratio | 92.3455% | 742 |
| Assets per employee ($millions) | 4.6655% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 2,810 |
| Loan loss allowance to noncurrent loans | 32.1977% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 3.3256% | 731 |
| Noncurrent loans to loans | 4.7173% | 452 |
| Net loans and leases to total assets | 62.9037% | 3,255 |
| Net loans and leases to deposits | 74.6656% | 3,245 |
| Net loans and leases to core deposits | 81.8919% | 2,981 |
| Total domestic deposits to total assets | 84.2473% | 3,835 |
| Equity capital to assets | 10.1416% | 3,914 |
| Core capital (leverage) ratio | 10.0407% | 3,554 |
| Tier 1 risk-based capital ratio | 19.2965% | 1,852 |
| Total risk-based capital ratio | 20.5608% | 1,810 |
| Memoranda: | ||
| Average total assets | $88,799,000 | 4,956 |
| Average earning assets | $79,939,330 | 4,985 |
| Average equity | $8,879,000 | 5,059 |
| Average total loans | $57,645,330 | 4,631 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,424 |
| Cost of funding earning assets | 1.1601% | 114 |
| Net interest margin | 3.1653% | 5,028 |
| Noninterest income to average assets | 0.2340% | 5,486 |
| Noninterest expense to average assets | 2.9074% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1845% | 5,843 |
| Return on assets (ROA) | 0.1845% | 5,886 |
| Pretax return on assets | 0.1755% | 5,963 |
| Return on Equity (ROE) | 1.8587% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.8587% | 4,851 |
| Net charge-offs to loans | 0.4677% | 775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5735% | 3,315 |
| Efficiency ratio | 94.3066% | 733 |
| Assets per employee ($millions) | 4.7168% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 3,165 |
| Loan loss allowance to noncurrent loans | 29.2773% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.7001% | 680 |
| Noncurrent loans to loans | 5.1015% | 431 |
| Net loans and leases to total assets | 64.0984% | 2,871 |
| Net loans and leases to deposits | 77.1643% | 2,667 |
| Net loans and leases to core deposits | 82.5632% | 2,683 |
| Total domestic deposits to total assets | 83.0674% | 4,587 |
| Equity capital to assets | 9.9063% | 3,954 |
| Core capital (leverage) ratio | 9.8489% | 3,789 |
| Tier 1 risk-based capital ratio | 18.5761% | 2,100 |
| Total risk-based capital ratio | 19.8392% | 2,060 |
| Memoranda: | ||
| Average total assets | $88,876,000 | 4,997 |
| Average earning assets | $79,992,000 | 5,026 |
| Average equity | $8,823,500 | 5,100 |
| Average total loans | $58,157,500 | 4,647 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 2,327 |
| Cost of funding earning assets | 1.2760% | 122 |
| Net interest margin | 3.1926% | 5,026 |
| Noninterest income to average assets | 0.2424% | 5,612 |
| Noninterest expense to average assets | 3.2241% | 2,346 |
| Loan and lease loss provision to assets | 0.1112% | 2,951 |
| Net operating income to assets | -0.1468% | 6,338 |
| Return on assets (ROA) | -0.1468% | 6,353 |
| Pretax return on assets | -0.2213% | 6,370 |
| Return on Equity (ROE) | -1.4813% | 6,352 |
| Retained earnings to average equity (ytd only) | -1.4813% | 6,123 |
| Net charge-offs to loans | 0.7848% | 801 |
| Credit loss provision to net charge-offs | 22.5225% | 4,401 |
| Earnings coverage of net charge-offs (x) | -0.2230% | 5,153 |
| Efficiency ratio | 103.5357% | 383 |
| Assets per employee ($millions) | 4.6385% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 2,684 |
| Loan loss allowance to noncurrent loans | 31.3000% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 3.7580% | 736 |
| Noncurrent loans to loans | 5.1725% | 466 |
| Net loans and leases to total assets | 64.7438% | 2,914 |
| Net loans and leases to deposits | 76.0749% | 2,955 |
| Net loans and leases to core deposits | 79.6794% | 3,165 |
| Total domestic deposits to total assets | 85.1053% | 3,689 |
| Equity capital to assets | 9.9498% | 3,836 |
| Core capital (leverage) ratio | 9.9677% | 3,620 |
| Tier 1 risk-based capital ratio | 18.4985% | 2,081 |
| Total risk-based capital ratio | 19.7666% | 2,043 |
| Memoranda: | ||
| Average total assets | $89,917,800 | 4,983 |
| Average earning assets | $80,875,400 | 5,012 |
| Average equity | $8,911,200 | 5,105 |
| Average total loans | $56,575,400 | 4,726 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 2,297 |
| Cost of funding earning assets | 1.2865% | 132 |
| Net interest margin | 3.1966% | 5,010 |
| Noninterest income to average assets | 0.2213% | 5,840 |
| Noninterest expense to average assets | 3.1900% | 2,398 |
| Loan and lease loss provision to assets | 0.1475% | 2,432 |
| Net operating income to assets | -0.2877% | 6,518 |
| Return on assets (ROA) | -0.2877% | 6,532 |
| Pretax return on assets | -0.2420% | 6,484 |
| Return on Equity (ROE) | -2.9060% | 6,516 |
| Retained earnings to average equity (ytd only) | -2.9060% | 6,345 |
| Net charge-offs to loans | 0.9486% | 607 |
| Credit loss provision to net charge-offs | 25.0000% | 3,978 |
| Earnings coverage of net charge-offs (x) | -0.1600% | 4,903 |
| Efficiency ratio | 103.0505% | 378 |
| Assets per employee ($millions) | 4.6724% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 2,585 |
| Loan loss allowance to noncurrent loans | 31.8226% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 3.8490% | 836 |
| Noncurrent loans to loans | 5.3854% | 517 |
| Net loans and leases to total assets | 63.5036% | 3,080 |
| Net loans and leases to deposits | 75.0250% | 3,088 |
| Net loans and leases to core deposits | 78.7836% | 3,255 |
| Total domestic deposits to total assets | 84.6434% | 3,907 |
| Equity capital to assets | 9.8585% | 4,099 |
| Core capital (leverage) ratio | 9.8254% | 3,924 |
| Tier 1 risk-based capital ratio | 18.7362% | 2,068 |
| Total risk-based capital ratio | 20.0060% | 2,032 |
| Memoranda: | ||
| Average total assets | $90,364,250 | 5,030 |
| Average earning assets | $81,250,500 | 5,046 |
| Average equity | $8,946,750 | 5,150 |
| Average total loans | $56,219,500 | 4,788 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 2,346 |
| Cost of funding earning assets | 1.3021% | 139 |
| Net interest margin | 3.1583% | 5,092 |
| Noninterest income to average assets | 0.2684% | 5,533 |
| Noninterest expense to average assets | 2.8605% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1738% | 5,969 |
| Return on assets (ROA) | 0.1738% | 6,079 |
| Pretax return on assets | 0.2420% | 6,017 |
| Return on Equity (ROE) | 1.7533% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.7533% | 5,138 |
| Net charge-offs to loans | 1.0244% | 592 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3846% | 4,410 |
| Efficiency ratio | 92.1986% | 886 |
| Assets per employee ($millions) | 5.0004% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 2,562 |
| Loan loss allowance to noncurrent loans | 25.3690% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 4.9251% | 626 |
| Noncurrent loans to loans | 6.9430% | 351 |
| Net loans and leases to total assets | 61.7801% | 3,332 |
| Net loans and leases to deposits | 72.7583% | 3,346 |
| Net loans and leases to core deposits | 76.3298% | 3,506 |
| Total domestic deposits to total assets | 84.9113% | 3,931 |
| Equity capital to assets | 9.9469% | 3,977 |
| Core capital (leverage) ratio | 9.8358% | 3,744 |
| Tier 1 risk-based capital ratio | 18.7124% | 2,076 |
| Total risk-based capital ratio | 19.9721% | 2,043 |
| Memoranda: | ||
| Average total assets | $90,893,670 | 5,038 |
| Average earning assets | $81,562,670 | 5,066 |
| Average equity | $9,011,670 | 5,165 |
| Average total loans | $55,839,670 | 4,823 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 2,266 |
| Cost of funding earning assets | 1.3291% | 138 |
| Net interest margin | 3.1438% | 5,118 |
| Noninterest income to average assets | 0.3109% | 5,205 |
| Noninterest expense to average assets | 2.7152% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2715% | 5,658 |
| Return on assets (ROA) | 0.2715% | 5,779 |
| Pretax return on assets | 0.4029% | 5,551 |
| Return on Equity (ROE) | 2.7431% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.7431% | 4,641 |
| Net charge-offs to loans | 1.9979% | 236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3321% | 3,701 |
| Efficiency ratio | 87.0787% | 1,409 |
| Assets per employee ($millions) | 5.0353% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 2,526 |
| Loan loss allowance to noncurrent loans | 24.6026% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 5.9105% | 542 |
| Noncurrent loans to loans | 7.4215% | 376 |
| Net loans and leases to total assets | 59.6794% | 3,491 |
| Net loans and leases to deposits | 70.0053% | 3,480 |
| Net loans and leases to core deposits | 73.7527% | 3,613 |
| Total domestic deposits to total assets | 85.2498% | 3,925 |
| Equity capital to assets | 9.9762% | 4,175 |
| Core capital (leverage) ratio | 9.7810% | 3,684 |
| Tier 1 risk-based capital ratio | 18.8864% | 2,073 |
| Total risk-based capital ratio | 20.1482% | 2,044 |
| Memoranda: | ||
| Average total assets | $91,336,500 | 5,069 |
| Average earning assets | $81,558,000 | 5,097 |
| Average equity | $9,041,000 | 5,213 |
| Average total loans | $55,457,500 | 4,873 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 2,501 |
| Cost of funding earning assets | 1.5038% | 160 |
| Net interest margin | 3.2194% | 5,521 |
| Noninterest income to average assets | -0.5991% | 7,037 |
| Noninterest expense to average assets | 2.7967% | 4,030 |
| Loan and lease loss provision to assets | 1.2551% | 281 |
| Net operating income to assets | -1.1537% | 6,786 |
| Return on assets (ROA) | -1.1537% | 6,797 |
| Pretax return on assets | -1.7558% | 6,902 |
| Return on Equity (ROE) | -11.9952% | 6,763 |
| Retained earnings to average equity (ytd only) | -11.9952% | 6,697 |
| Net charge-offs to loans | 1.9156% | 394 |
| Credit loss provision to net charge-offs | 104.8401% | 2,846 |
| Earnings coverage of net charge-offs (x) | -0.4183% | 5,648 |
| Efficiency ratio | 121.8116% | 197 |
| Assets per employee ($millions) | 4.8441% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2985% | 1,374 |
| Loan loss allowance to noncurrent loans | 26.5137% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 7.5665% | 394 |
| Noncurrent loans to loans | 8.6692% | 315 |
| Net loans and leases to total assets | 59.2533% | 3,734 |
| Net loans and leases to deposits | 69.5812% | 3,761 |
| Net loans and leases to core deposits | 73.0944% | 3,912 |
| Total domestic deposits to total assets | 85.1571% | 3,790 |
| Equity capital to assets | 9.8221% | 4,418 |
| Core capital (leverage) ratio | 9.5716% | 4,005 |
| Tier 1 risk-based capital ratio | 18.1471% | 2,206 |
| Total risk-based capital ratio | 19.4154% | 2,166 |
| Memoranda: | ||
| Average total assets | $96,649,400 | 4,921 |
| Average earning assets | $86,911,800 | 4,941 |
| Average equity | $9,295,400 | 5,151 |
| Average total loans | $60,399,800 | 4,692 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 2,489 |
| Cost of funding earning assets | 1.5288% | 174 |
| Net interest margin | 3.2451% | 5,566 |
| Noninterest income to average assets | -0.5467% | 7,138 |
| Noninterest expense to average assets | 2.6870% | 4,416 |
| Loan and lease loss provision to assets | 1.1492% | 326 |
| Net operating income to assets | -1.3892% | 6,943 |
| Return on assets (ROA) | -1.3892% | 6,961 |
| Pretax return on assets | -1.4573% | 6,948 |
| Return on Equity (ROE) | -14.5164% | 6,927 |
| Retained earnings to average equity (ytd only) | -14.5164% | 6,898 |
| Net charge-offs to loans | 1.1828% | 840 |
| Credit loss provision to net charge-offs | 154.3956% | 1,824 |
| Earnings coverage of net charge-offs (x) | -0.4139% | 5,474 |
| Efficiency ratio | 112.9513% | 256 |
| Assets per employee ($millions) | 5.2598% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6026% | 1,079 |
| Loan loss allowance to noncurrent loans | 24.4505% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 8.7182% | 324 |
| Noncurrent loans to loans | 10.6445% | 218 |
| Net loans and leases to total assets | 60.2391% | 3,729 |
| Net loans and leases to deposits | 70.9936% | 3,757 |
| Net loans and leases to core deposits | 76.6858% | 3,648 |
| Total domestic deposits to total assets | 84.8515% | 3,815 |
| Equity capital to assets | 9.7068% | 4,913 |
| Core capital (leverage) ratio | 9.4111% | 4,417 |
| Tier 1 risk-based capital ratio | 18.0084% | 2,339 |
| Total risk-based capital ratio | 19.2919% | 2,295 |
| Memoranda: | ||
| Average total assets | $97,802,500 | 4,936 |
| Average earning assets | $88,172,000 | 4,966 |
| Average equity | $9,359,250 | 5,186 |
| Average total loans | $61,545,250 | 4,705 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 2,316 |
| Cost of funding earning assets | 1.5551% | 186 |
| Net interest margin | 3.2920% | 5,461 |
| Noninterest income to average assets | -0.9813% | 7,221 |
| Noninterest expense to average assets | 2.6790% | 4,498 |
| Loan and lease loss provision to assets | 1.7057% | 200 |
| Net operating income to assets | -2.2965% | 7,108 |
| Return on assets (ROA) | -2.2965% | 7,114 |
| Pretax return on assets | -2.3977% | 7,107 |
| Return on Equity (ROE) | -24.1087% | 7,067 |
| Retained earnings to average equity (ytd only) | -24.1087% | 7,053 |
| Net charge-offs to loans | 1.6853% | 544 |
| Credit loss provision to net charge-offs | 159.9620% | 1,740 |
| Earnings coverage of net charge-offs (x) | -0.6490% | 5,262 |
| Efficiency ratio | 134.8269% | 144 |
| Assets per employee ($millions) | 5.6714% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5348% | 1,238 |
| Loan loss allowance to noncurrent loans | 26.5851% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 8.3381% | 403 |
| Noncurrent loans to loans | 9.5348% | 295 |
| Net loans and leases to total assets | 61.5363% | 3,527 |
| Net loans and leases to deposits | 72.4638% | 3,542 |
| Net loans and leases to core deposits | 78.1457% | 3,493 |
| Total domestic deposits to total assets | 84.9201% | 3,894 |
| Equity capital to assets | 9.4054% | 5,189 |
| Core capital (leverage) ratio | 9.1198% | 4,736 |
| Tier 1 risk-based capital ratio | 17.1111% | 2,622 |
| Total risk-based capital ratio | 18.3898% | 2,572 |
| Memoranda: | ||
| Average total assets | $98,844,670 | 4,926 |
| Average earning assets | $89,125,330 | 4,961 |
| Average equity | $9,415,670 | 5,179 |
| Average total loans | $62,541,670 | 4,690 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 1,561 |
| Cost of funding earning assets | 1.5676% | 215 |
| Net interest margin | 3.5370% | 4,537 |
| Noninterest income to average assets | -2.2346% | 7,299 |
| Noninterest expense to average assets | 2.6064% | 4,797 |
| Loan and lease loss provision to assets | 3.3700% | 52 |
| Net operating income to assets | -4.7971% | 7,268 |
| Return on assets (ROA) | -4.7971% | 7,267 |
| Pretax return on assets | -5.0090% | 7,271 |
| Return on Equity (ROE) | -50.0547% | 7,227 |
| Retained earnings to average equity (ytd only) | -50.0547% | 7,214 |
| Net charge-offs to loans | 3.2630% | 209 |
| Credit loss provision to net charge-offs | 163.0561% | 1,559 |
| Earnings coverage of net charge-offs (x) | -0.7930% | 4,541 |
| Efficiency ratio | 269.4215% | 23 |
| Assets per employee ($millions) | 5.1897% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3154% | 1,647 |
| Loan loss allowance to noncurrent loans | 31.5652% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 6.0839% | 766 |
| Noncurrent loans to loans | 7.3354% | 585 |
| Net loans and leases to total assets | 62.1253% | 3,235 |
| Net loans and leases to deposits | 73.8680% | 3,132 |
| Net loans and leases to core deposits | 80.0894% | 3,059 |
| Total domestic deposits to total assets | 84.1031% | 4,437 |
| Equity capital to assets | 9.0970% | 5,362 |
| Core capital (leverage) ratio | 8.8474% | 5,069 |
| Tier 1 risk-based capital ratio | 16.6189% | 2,858 |
| Total risk-based capital ratio | 17.8968% | 2,799 |
| Memoranda: | ||
| Average total assets | $100,060,500 | 4,934 |
| Average earning assets | $90,585,500 | 4,941 |
| Average equity | $9,589,500 | 5,148 |
| Average total loans | $63,376,500 | 4,681 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 2,117 |
| Cost of funding earning assets | 1.7383% | 278 |
| Net interest margin | 3.4487% | 5,339 |
| Noninterest income to average assets | 0.1543% | 6,379 |
| Noninterest expense to average assets | 2.7321% | 4,611 |
| Loan and lease loss provision to assets | 0.4388% | 2,399 |
| Net operating income to assets | 0.0707% | 5,928 |
| Return on assets (ROA) | 0.0733% | 6,031 |
| Pretax return on assets | 0.0820% | 5,995 |
| Return on Equity (ROE) | 0.7513% | 6,013 |
| Retained earnings to average equity (ytd only) | 0.7513% | 5,500 |
| Net charge-offs to loans | 0.5438% | 2,837 |
| Credit loss provision to net charge-offs | 128.1690% | 2,418 |
| Earnings coverage of net charge-offs (x) | 1.5127% | 4,642 |
| Efficiency ratio | 84.0653% | 1,758 |
| Assets per employee ($millions) | 5.0759% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 5,841 |
| Loan loss allowance to noncurrent loans | 21.1864% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 5.2021% | 1,006 |
| Noncurrent loans to loans | 5.1590% | 1,075 |
| Net loans and leases to total assets | 62.3964% | 3,521 |
| Net loans and leases to deposits | 76.3767% | 3,115 |
| Net loans and leases to core deposits | 82.3599% | 3,127 |
| Total domestic deposits to total assets | 81.6957% | 5,236 |
| Equity capital to assets | 10.0564% | 4,095 |
| Core capital (leverage) ratio | 9.8032% | 3,603 |
| Tier 1 risk-based capital ratio | 17.7537% | 2,282 |
| Total risk-based capital ratio | 19.0030% | 2,253 |
| Memoranda: | ||
| Average total assets | $103,695,000 | 4,801 |
| Average earning assets | $93,079,600 | 4,830 |
| Average equity | $10,116,000 | 4,982 |
| Average total loans | $65,284,000 | 4,664 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2874% | 1,912 |
| Cost of funding earning assets | 1.7801% | 283 |
| Net interest margin | 3.5073% | 5,160 |
| Noninterest income to average assets | 0.1676% | 6,390 |
| Noninterest expense to average assets | 2.7769% | 4,430 |
| Loan and lease loss provision to assets | 0.1599% | 4,464 |
| Net operating income to assets | 0.1536% | 5,827 |
| Return on assets (ROA) | 0.1560% | 5,938 |
| Pretax return on assets | 0.3799% | 5,526 |
| Return on Equity (ROE) | 1.6117% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.6117% | 5,335 |
| Net charge-offs to loans | 0.2541% | 3,847 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 3.3520% | 3,474 |
| Efficiency ratio | 83.8224% | 1,750 |
| Assets per employee ($millions) | 5.0980% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 6,461 |
| Loan loss allowance to noncurrent loans | 18.8029% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 5.3443% | 1,059 |
| Noncurrent loans to loans | 5.0377% | 1,229 |
| Net loans and leases to total assets | 61.5359% | 3,832 |
| Net loans and leases to deposits | 75.0529% | 3,500 |
| Net loans and leases to core deposits | 81.3964% | 3,426 |
| Total domestic deposits to total assets | 81.9900% | 5,095 |
| Equity capital to assets | 10.1236% | 4,182 |
| Core capital (leverage) ratio | 9.8173% | 3,686 |
| Tier 1 risk-based capital ratio | 17.8821% | 2,298 |
| Total risk-based capital ratio | 18.9721% | 2,323 |
| Memoranda: | ||
| Average total assets | $104,239,500 | 4,810 |
| Average earning assets | $93,478,250 | 4,860 |
| Average equity | $10,092,750 | 5,013 |
| Average total loans | $65,594,250 | 4,693 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2990% | 1,896 |
| Cost of funding earning assets | 1.8174% | 286 |
| Net interest margin | 3.4816% | 5,238 |
| Noninterest income to average assets | 0.1752% | 6,406 |
| Noninterest expense to average assets | 2.8972% | 4,033 |
| Loan and lease loss provision to assets | 0.0419% | 5,785 |
| Net operating income to assets | 0.1733% | 5,821 |
| Return on assets (ROA) | 0.1733% | 5,920 |
| Pretax return on assets | 0.3524% | 5,538 |
| Return on Equity (ROE) | 1.8170% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.8170% | 5,084 |
| Net charge-offs to loans | 0.2170% | 3,831 |
| Credit loss provision to net charge-offs | 30.5556% | 4,979 |
| Earnings coverage of net charge-offs (x) | 2.8750% | 3,404 |
| Efficiency ratio | 88.0208% | 1,413 |
| Assets per employee ($millions) | 5.2082% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 6,763 |
| Loan loss allowance to noncurrent loans | 22.2853% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 4.5553% | 1,378 |
| Noncurrent loans to loans | 3.8294% | 1,814 |
| Net loans and leases to total assets | 61.3446% | 4,018 |
| Net loans and leases to deposits | 75.2443% | 3,609 |
| Net loans and leases to core deposits | 81.9071% | 3,509 |
| Total domestic deposits to total assets | 81.5272% | 5,342 |
| Equity capital to assets | 9.7558% | 4,453 |
| Core capital (leverage) ratio | 9.5843% | 3,837 |
| Tier 1 risk-based capital ratio | 17.5210% | 2,333 |
| Total risk-based capital ratio | 18.5006% | 2,401 |
| Memoranda: | ||
| Average total assets | $104,999,330 | 4,825 |
| Average earning assets | $93,979,670 | 4,887 |
| Average equity | $10,016,330 | 5,046 |
| Average total loans | $66,345,000 | 4,713 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 1,542 |
| Cost of funding earning assets | 1.8894% | 262 |
| Net interest margin | 3.5149% | 4,937 |
| Noninterest income to average assets | 0.1973% | 6,310 |
| Noninterest expense to average assets | 3.0166% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1708% | 5,885 |
| Return on assets (ROA) | 0.1708% | 5,931 |
| Pretax return on assets | 0.3149% | 5,615 |
| Return on Equity (ROE) | 1.8102% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.8102% | 5,032 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5467% | 1,286 |
| Assets per employee ($millions) | 5.6052% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 6,666 |
| Loan loss allowance to noncurrent loans | 22.3048% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 5.1634% | 1,215 |
| Noncurrent loans to loans | 4.0898% | 1,759 |
| Net loans and leases to total assets | 61.1968% | 4,038 |
| Net loans and leases to deposits | 76.6618% | 3,309 |
| Net loans and leases to core deposits | 84.1693% | 3,143 |
| Total domestic deposits to total assets | 79.8270% | 5,988 |
| Equity capital to assets | 9.3456% | 4,657 |
| Core capital (leverage) ratio | 9.2738% | 4,163 |
| Tier 1 risk-based capital ratio | 16.8123% | 2,542 |
| Total risk-based capital ratio | 17.8467% | 2,601 |
| Memoranda: | ||
| Average total assets | $105,417,000 | 4,854 |
| Average earning assets | $94,000,000 | 4,914 |
| Average equity | $9,943,500 | 5,060 |
| Average total loans | $67,293,000 | 4,715 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6418% | 1,765 |
| Cost of funding earning assets | 2.1772% | 330 |
| Net interest margin | 3.4646% | 5,383 |
| Noninterest income to average assets | 0.2271% | 6,182 |
| Noninterest expense to average assets | 2.5994% | 5,418 |
| Loan and lease loss provision to assets | 0.2432% | 4,860 |
| Net operating income to assets | 0.3789% | 4,644 |
| Return on assets (ROA) | 0.3789% | 4,787 |
| Pretax return on assets | 0.4741% | 4,711 |
| Return on Equity (ROE) | 4.1287% | 4,466 |
| Retained earnings to average equity (ytd only) | 4.1287% | 2,963 |
| Net charge-offs to loans | 0.1186% | 5,697 |
| Credit loss provision to net charge-offs | 300.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 8.8488% | 1,913 |
| Efficiency ratio | 78.3745% | 2,636 |
| Assets per employee ($millions) | 5.4913% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 6,794 |
| Loan loss allowance to noncurrent loans | 19.2369% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 5.7277% | 1,063 |
| Noncurrent loans to loans | 4.5326% | 1,555 |
| Net loans and leases to total assets | 65.3779% | 3,583 |
| Net loans and leases to deposits | 83.4867% | 2,534 |
| Net loans and leases to core deposits | 92.1485% | 2,484 |
| Total domestic deposits to total assets | 78.3093% | 6,254 |
| Equity capital to assets | 9.5213% | 4,380 |
| Core capital (leverage) ratio | 9.4333% | 3,795 |
| Tier 1 risk-based capital ratio | 16.4342% | 2,550 |
| Total risk-based capital ratio | 17.4500% | 2,618 |
| Memoranda: | ||
| Average total assets | $106,101,000 | 4,822 |
| Average earning assets | $94,614,800 | 4,876 |
| Average equity | $9,736,800 | 5,200 |
| Average total loans | $72,494,600 | 4,591 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 1,750 |
| Cost of funding earning assets | 2.2357% | 345 |
| Net interest margin | 3.4532% | 5,480 |
| Noninterest income to average assets | 0.3767% | 5,143 |
| Noninterest expense to average assets | 2.5842% | 5,387 |
| Loan and lease loss provision to assets | 0.3191% | 4,038 |
| Net operating income to assets | 0.3204% | 5,085 |
| Return on assets (ROA) | 0.3204% | 5,251 |
| Pretax return on assets | 0.5506% | 4,759 |
| Return on Equity (ROE) | 3.5233% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.5233% | 3,973 |
| Net charge-offs to loans | 0.1217% | 5,332 |
| Credit loss provision to net charge-offs | 380.5970% | 816 |
| Earnings coverage of net charge-offs (x) | 10.3732% | 1,892 |
| Efficiency ratio | 74.8188% | 3,180 |
| Assets per employee ($millions) | 5.4813% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,791 |
| Loan loss allowance to noncurrent loans | 17.2163% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 6.3163% | 911 |
| Noncurrent loans to loans | 5.1309% | 1,337 |
| Net loans and leases to total assets | 66.3687% | 3,604 |
| Net loans and leases to deposits | 86.2328% | 2,287 |
| Net loans and leases to core deposits | 96.3788% | 2,217 |
| Total domestic deposits to total assets | 76.9646% | 6,487 |
| Equity capital to assets | 9.5013% | 4,840 |
| Core capital (leverage) ratio | 9.3364% | 4,152 |
| Tier 1 risk-based capital ratio | 15.9262% | 2,797 |
| Total risk-based capital ratio | 16.9520% | 2,865 |
| Memoranda: | ||
| Average total assets | $106,542,500 | 4,871 |
| Average earning assets | $94,942,500 | 4,929 |
| Average equity | $9,687,500 | 5,290 |
| Average total loans | $73,415,250 | 4,624 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 1,428 |
| Cost of funding earning assets | 2.2598% | 389 |
| Net interest margin | 3.5401% | 5,091 |
| Noninterest income to average assets | 0.3335% | 5,486 |
| Noninterest expense to average assets | 2.4818% | 5,787 |
| Loan and lease loss provision to assets | 0.3074% | 3,925 |
| Net operating income to assets | 0.4136% | 4,695 |
| Return on assets (ROA) | 0.4136% | 4,851 |
| Pretax return on assets | 0.7024% | 4,230 |
| Return on Equity (ROE) | 4.6162% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.6162% | 3,135 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0779% | 3,974 |
| Assets per employee ($millions) | 5.2948% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 7,040 |
| Loan loss allowance to noncurrent loans | 18.5313% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 5.4157% | 1,146 |
| Noncurrent loans to loans | 4.3048% | 1,722 |
| Net loans and leases to total assets | 69.6369% | 2,984 |
| Net loans and leases to deposits | 92.0257% | 1,525 |
| Net loans and leases to core deposits | 103.3525% | 1,696 |
| Total domestic deposits to total assets | 75.6712% | 6,757 |
| Equity capital to assets | 9.3026% | 5,002 |
| Core capital (leverage) ratio | 9.1424% | 4,385 |
| Tier 1 risk-based capital ratio | 15.1482% | 3,083 |
| Total risk-based capital ratio | 16.0916% | 3,217 |
| Memoranda: | ||
| Average total assets | $107,342,000 | 4,879 |
| Average earning assets | $95,761,330 | 4,935 |
| Average equity | $9,618,330 | 5,310 |
| Average total loans | $74,642,000 | 4,618 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7663% | 1,569 |
| Cost of funding earning assets | 2.2874% | 450 |
| Net interest margin | 3.4789% | 5,245 |
| Noninterest income to average assets | 0.3257% | 5,543 |
| Noninterest expense to average assets | 2.4171% | 6,025 |
| Loan and lease loss provision to assets | 0.3331% | 3,397 |
| Net operating income to assets | 0.3516% | 5,073 |
| Return on assets (ROA) | 0.3516% | 5,192 |
| Pretax return on assets | 0.6774% | 4,315 |
| Return on Equity (ROE) | 3.9992% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.9992% | 3,751 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5184% | 4,217 |
| Assets per employee ($millions) | 5.4107% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 7,152 |
| Loan loss allowance to noncurrent loans | 18.2916% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 5.5446% | 1,113 |
| Noncurrent loans to loans | 4.3160% | 1,757 |
| Net loans and leases to total assets | 68.6332% | 3,246 |
| Net loans and leases to deposits | 92.3458% | 1,564 |
| Net loans and leases to core deposits | 103.7943% | 1,761 |
| Total domestic deposits to total assets | 74.3219% | 7,002 |
| Equity capital to assets | 8.8455% | 5,474 |
| Core capital (leverage) ratio | 8.8014% | 4,851 |
| Tier 1 risk-based capital ratio | 14.2757% | 3,501 |
| Total risk-based capital ratio | 15.1755% | 3,666 |
| Memoranda: | ||
| Average total assets | $108,065,500 | 4,923 |
| Average earning assets | $96,353,000 | 4,975 |
| Average equity | $9,502,000 | 5,382 |
| Average total loans | $74,795,500 | 4,689 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0283% | 1,754 |
| Cost of funding earning assets | 2.7113% | 564 |
| Net interest margin | 3.3170% | 5,673 |
| Noninterest income to average assets | 0.3544% | 5,569 |
| Noninterest expense to average assets | 2.3292% | 6,661 |
| Loan and lease loss provision to assets | 0.5032% | 3,863 |
| Net operating income to assets | 0.2299% | 4,803 |
| Return on assets (ROA) | 0.0322% | 5,440 |
| Pretax return on assets | 0.1971% | 5,009 |
| Return on Equity (ROE) | 0.3634% | 5,422 |
| Retained earnings to average equity (ytd only) | 0.3634% | 4,702 |
| Net charge-offs to loans | 0.4813% | 3,848 |
| Credit loss provision to net charge-offs | 141.9786% | 3,404 |
| Earnings coverage of net charge-offs (x) | 2.8476% | 3,664 |
| Efficiency ratio | 69.7701% | 4,674 |
| Assets per employee ($millions) | 5.3959% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 7,433 |
| Loan loss allowance to noncurrent loans | 18.3853% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 5.6311% | 1,034 |
| Noncurrent loans to loans | 3.6465% | 2,067 |
| Net loans and leases to total assets | 68.7828% | 3,535 |
| Net loans and leases to deposits | 97.4761% | 1,156 |
| Net loans and leases to core deposits | 141.5099% | 753 |
| Total domestic deposits to total assets | 70.5638% | 7,371 |
| Equity capital to assets | 8.7400% | 5,529 |
| Core capital (leverage) ratio | 8.7319% | 4,869 |
| Tier 1 risk-based capital ratio | 14.0784% | 3,451 |
| Total risk-based capital ratio | 14.8382% | 3,711 |
| Memoranda: | ||
| Average total assets | $105,530,200 | 4,942 |
| Average earning assets | $94,936,000 | 4,975 |
| Average equity | $9,357,000 | 5,485 |
| Average total loans | $77,705,800 | 4,596 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0556% | 1,814 |
| Cost of funding earning assets | 2.8103% | 582 |
| Net interest margin | 3.2453% | 5,862 |
| Noninterest income to average assets | 0.3266% | 5,873 |
| Noninterest expense to average assets | 2.3443% | 6,578 |
| Loan and lease loss provision to assets | 0.3431% | 4,270 |
| Net operating income to assets | 0.3416% | 4,632 |
| Return on assets (ROA) | 0.3481% | 4,704 |
| Pretax return on assets | 0.5781% | 4,262 |
| Return on Equity (ROE) | 3.9121% | 4,409 |
| Retained earnings to average equity (ytd only) | 3.9121% | 3,101 |
| Net charge-offs to loans | 0.3586% | 3,853 |
| Credit loss provision to net charge-offs | 127.9621% | 3,920 |
| Earnings coverage of net charge-offs (x) | 3.3981% | 3,549 |
| Efficiency ratio | 72.0141% | 4,239 |
| Assets per employee ($millions) | 5.2331% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5394% | 7,661 |
| Loan loss allowance to noncurrent loans | 10.1428% | 7,455 |
| Noncurrent assets plus other real estate owned to assets | 6.5047% | 771 |
| Noncurrent loans to loans | 5.3185% | 1,198 |
| Net loans and leases to total assets | 72.5794% | 2,891 |
| Net loans and leases to deposits | 106.9826% | 606 |
| Net loans and leases to core deposits | 152.7048% | 516 |
| Total domestic deposits to total assets | 67.8422% | 7,594 |
| Equity capital to assets | 9.0654% | 5,391 |
| Core capital (leverage) ratio | 9.0179% | 4,623 |
| Tier 1 risk-based capital ratio | 14.1522% | 3,468 |
| Total risk-based capital ratio | 14.7814% | 3,762 |
| Memoranda: | ||
| Average total assets | $104,933,250 | 4,990 |
| Average earning assets | $94,697,500 | 5,016 |
| Average equity | $9,338,250 | 5,543 |
| Average total loans | $78,449,750 | 4,609 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0501% | 1,981 |
| Cost of funding earning assets | 2.9325% | 566 |
| Net interest margin | 3.1176% | 6,182 |
| Noninterest income to average assets | 0.3256% | 5,906 |
| Noninterest expense to average assets | 2.2528% | 6,911 |
| Loan and lease loss provision to assets | 0.1714% | 5,354 |
| Net operating income to assets | 0.4282% | 4,386 |
| Return on assets (ROA) | 0.4380% | 4,455 |
| Pretax return on assets | 0.7389% | 3,870 |
| Return on Equity (ROE) | 4.9525% | 4,100 |
| Retained earnings to average equity (ytd only) | 4.9525% | 2,540 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5668% | 4,492 |
| Assets per employee ($millions) | 5.1731% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5778% | 7,676 |
| Loan loss allowance to noncurrent loans | 11.1954% | 7,472 |
| Noncurrent assets plus other real estate owned to assets | 6.0447% | 804 |
| Noncurrent loans to loans | 5.1613% | 1,167 |
| Net loans and leases to total assets | 73.6725% | 2,796 |
| Net loans and leases to deposits | 113.2417% | 434 |
| Net loans and leases to core deposits | 158.3361% | 481 |
| Total domestic deposits to total assets | 65.0577% | 7,791 |
| Equity capital to assets | 9.0313% | 5,270 |
| Core capital (leverage) ratio | 9.0580% | 4,538 |
| Tier 1 risk-based capital ratio | 13.9690% | 3,541 |
| Total risk-based capital ratio | 14.6408% | 3,813 |
| Memoranda: | ||
| Average total assets | $105,023,670 | 5,013 |
| Average earning assets | $95,072,670 | 5,039 |
| Average equity | $9,288,330 | 5,586 |
| Average total loans | $79,141,330 | 4,615 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1510% | 1,758 |
| Cost of funding earning assets | 3.1109% | 447 |
| Net interest margin | 3.0402% | 6,373 |
| Noninterest income to average assets | 0.1966% | 6,890 |
| Noninterest expense to average assets | 2.0944% | 7,126 |
| Loan and lease loss provision to assets | 0.1701% | 4,767 |
| Net operating income to assets | 0.4154% | 4,798 |
| Return on assets (ROA) | 0.4348% | 4,897 |
| Pretax return on assets | 0.7259% | 4,336 |
| Return on Equity (ROE) | 4.9673% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.9673% | 3,147 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7535% | 4,422 |
| Assets per employee ($millions) | 6.1835% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5031% | 7,822 |
| Loan loss allowance to noncurrent loans | 21.0026% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 3.9983% | 1,286 |
| Noncurrent loans to loans | 2.3956% | 2,755 |
| Net loans and leases to total assets | 74.8732% | 2,534 |
| Net loans and leases to deposits | 110.1692% | 602 |
| Net loans and leases to core deposits | 156.7817% | 550 |
| Total domestic deposits to total assets | 67.9620% | 7,599 |
| Equity capital to assets | 8.7862% | 5,643 |
| Core capital (leverage) ratio | 8.8068% | 4,973 |
| Tier 1 risk-based capital ratio | 13.6879% | 3,747 |
| Total risk-based capital ratio | 14.2874% | 4,079 |
| Memoranda: | ||
| Average total assets | $105,804,500 | 5,011 |
| Average earning assets | $96,179,000 | 5,019 |
| Average equity | $9,260,500 | 5,614 |
| Average total loans | $80,379,000 | 4,601 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6329% | 2,326 |
| Cost of funding earning assets | 3.5976% | 393 |
| Net interest margin | 3.0353% | 6,823 |
| Noninterest income to average assets | 0.1163% | 7,540 |
| Noninterest expense to average assets | 2.2061% | 6,947 |
| Loan and lease loss provision to assets | 1.3290% | 1,068 |
| Net operating income to assets | -0.4252% | 6,851 |
| Return on assets (ROA) | -0.4233% | 6,723 |
| Pretax return on assets | -0.6426% | 6,768 |
| Return on Equity (ROE) | -4.6318% | 6,824 |
| Retained earnings to average equity (ytd only) | -4.6318% | 6,446 |
| Net charge-offs to loans | 1.5667% | 736 |
| Credit loss provision to net charge-offs | 111.5200% | 4,834 |
| Earnings coverage of net charge-offs (x) | 0.5736% | 5,881 |
| Efficiency ratio | 76.3444% | 3,179 |
| Assets per employee ($millions) | 6.2641% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4323% | 7,941 |
| Loan loss allowance to noncurrent loans | 9.8192% | 7,506 |
| Noncurrent assets plus other real estate owned to assets | 3.3759% | 1,331 |
| Noncurrent loans to loans | 4.4027% | 1,085 |
| Net loans and leases to total assets | 76.3461% | 2,531 |
| Net loans and leases to deposits | 116.5004% | 505 |
| Net loans and leases to core deposits | 167.6136% | 447 |
| Total domestic deposits to total assets | 65.5329% | 7,685 |
| Equity capital to assets | 8.7191% | 5,780 |
| Core capital (leverage) ratio | 8.6236% | 5,338 |
| Tier 1 risk-based capital ratio | 13.6189% | 3,749 |
| Total risk-based capital ratio | 14.1540% | 4,086 |
| Memoranda: | ||
| Average total assets | $104,890,400 | 4,902 |
| Average earning assets | $95,840,400 | 4,928 |
| Average equity | $9,586,000 | 5,539 |
| Average total loans | $79,786,200 | 4,519 |