Home > Impact Bank > Performance and Condition Ratios
Impact Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0721% | 1,920 |
| Cost of funding earning assets | 1.6909% | 1,471 |
| Net interest margin | 3.3812% | 2,444 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.2254% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0663% | 2,019 |
| Return on assets (ROA) | 1.0700% | 1,979 |
| Pretax return on assets | 1.1163% | 2,366 |
| Return on Equity (ROE) | 19.8700% | 629 |
| Retained earnings to average equity (ytd only) | 5.5556% | 2,391 |
| Net charge-offs to loans | -0.2315% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.6731% | 2,264 |
| Assets per employee ($millions) | 8.0103% | 1,431 |
| Cash dividends to net income (ytd only)* | 72.0456% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 1,980 |
| Loan loss allowance to noncurrent loans | 13,010.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,765 |
| Noncurrent loans to loans | 0.0097% | 3,701 |
| Net loans and leases to total assets | 60.7700% | 2,774 |
| Net loans and leases to deposits | 66.6239% | 3,132 |
| Net loans and leases to core deposits | 84.0835% | 2,445 |
| Total domestic deposits to total assets | 91.2100% | 448 |
| Equity capital to assets | 5.5286% | 4,329 |
| Core capital (leverage) ratio | 10.0618% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4362% | 2,089 |
| Memoranda: | ||
| Average total assets | $155,788,800 | 3,311 |
| Average earning assets | $143,826,000 | 3,305 |
| Average equity | $8,388,000 | 3,892 |
| Average total loans | $92,028,400 | 3,261 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 1,898 |
| Cost of funding earning assets | 1.4997% | 1,607 |
| Net interest margin | 3.4671% | 2,284 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.2565% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1275% | 1,976 |
| Return on assets (ROA) | 1.1317% | 1,940 |
| Pretax return on assets | 1.1806% | 2,344 |
| Return on Equity (ROE) | 21.1800% | 623 |
| Retained earnings to average equity (ytd only) | 18.7904% | 307 |
| Net charge-offs to loans | -0.3275% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.7339% | 2,305 |
| Assets per employee ($millions) | 7.1280% | 1,863 |
| Cash dividends to net income (ytd only)* | 11.2654% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,439 |
| Loan loss allowance to noncurrent loans | 361.0497% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 2,044 |
| Noncurrent loans to loans | 0.3880% | 1,858 |
| Net loans and leases to total assets | 61.4600% | 2,708 |
| Net loans and leases to deposits | 71.9541% | 2,711 |
| Net loans and leases to core deposits | 79.8823% | 2,611 |
| Total domestic deposits to total assets | 85.4200% | 2,379 |
| Equity capital to assets | 4.7659% | 4,291 |
| Core capital (leverage) ratio | 11.1705% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4484% | 1,213 |
| Memoranda: | ||
| Average total assets | $152,682,000 | 3,345 |
| Average earning assets | $141,095,500 | 3,341 |
| Average equity | $8,160,000 | 3,916 |
| Average total loans | $89,156,000 | 3,299 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 1,887 |
| Cost of funding earning assets | 1.3691% | 1,533 |
| Net interest margin | 3.4798% | 2,314 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.2749% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1259% | 2,045 |
| Return on assets (ROA) | 1.1296% | 2,033 |
| Pretax return on assets | 1.1791% | 2,419 |
| Return on Equity (ROE) | 20.4200% | 667 |
| Retained earnings to average equity (ytd only) | 18.1369% | 333 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.9374% | 2,247 |
| Assets per employee ($millions) | 7.1054% | 1,845 |
| Cash dividends to net income (ytd only)* | 11.1751% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,234 |
| Loan loss allowance to noncurrent loans | 273.1156% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 1,872 |
| Noncurrent loans to loans | 0.4538% | 1,580 |
| Net loans and leases to total assets | 58.0500% | 2,959 |
| Net loans and leases to deposits | 67.6483% | 2,936 |
| Net loans and leases to core deposits | 75.8952% | 2,766 |
| Total domestic deposits to total assets | 85.8200% | 2,291 |
| Equity capital to assets | 5.7870% | 4,202 |
| Core capital (leverage) ratio | 10.9032% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7355% | 1,642 |
| Memoranda: | ||
| Average total assets | $153,679,667 | 3,351 |
| Average earning assets | $141,847,000 | 3,342 |
| Average equity | $8,502,000 | 3,903 |
| Average total loans | $87,771,667 | 3,322 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 2,349 |
| Cost of funding earning assets | 0.5242% | 1,241 |
| Net interest margin | 3.2481% | 2,709 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.2210% | 2,971 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.0454% | 2,396 |
| Return on assets (ROA) | 1.0362% | 2,372 |
| Pretax return on assets | 1.0815% | 2,832 |
| Return on Equity (ROE) | 16.2000% | 1,016 |
| Retained earnings to average equity (ytd only) | 4.1958% | 3,329 |
| Net charge-offs to loans | -0.2444% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.4511% | 1,906 |
| Assets per employee ($millions) | 7.7657% | 1,452 |
| Cash dividends to net income (ytd only)* | 74.0923% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,174 |
| Loan loss allowance to noncurrent loans | 5,440.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,761 |
| Noncurrent loans to loans | 0.0229% | 3,634 |
| Net loans and leases to total assets | 52.8700% | 3,293 |
| Net loans and leases to deposits | 58.8204% | 3,408 |
| Net loans and leases to core deposits | 61.6975% | 3,414 |
| Total domestic deposits to total assets | 89.8800% | 1,422 |
| Equity capital to assets | 4.8038% | 4,412 |
| Core capital (leverage) ratio | 10.3472% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0966% | 1,940 |
| Memoranda: | ||
| Average total assets | $156,820,200 | 3,374 |
| Average earning assets | $145,930,400 | 3,362 |
| Average equity | $10,033,800 | 3,868 |
| Average total loans | $82,256,200 | 3,381 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 2,217 |
| Cost of funding earning assets | 0.3892% | 1,369 |
| Net interest margin | 3.2525% | 2,449 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.2397% | 2,819 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 1.0684% | 2,216 |
| Return on assets (ROA) | 1.0709% | 2,165 |
| Pretax return on assets | 1.1173% | 2,668 |
| Return on Equity (ROE) | 15.7100% | 1,036 |
| Retained earnings to average equity (ytd only) | 13.8952% | 476 |
| Net charge-offs to loans | -0.3523% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.6264% | 1,938 |
| Assets per employee ($millions) | 7.0670% | 1,892 |
| Cash dividends to net income (ytd only)* | 11.5477% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 1,810 |
| Loan loss allowance to noncurrent loans | 4,230.7692% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,777 |
| Noncurrent loans to loans | 0.0319% | 3,668 |
| Net loans and leases to total assets | 54.2200% | 3,078 |
| Net loans and leases to deposits | 61.8949% | 3,029 |
| Net loans and leases to core deposits | 64.8542% | 3,045 |
| Total domestic deposits to total assets | 87.6000% | 2,558 |
| Equity capital to assets | 4.7559% | 4,335 |
| Core capital (leverage) ratio | 10.9552% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1696% | 1,375 |
| Memoranda: | ||
| Average total assets | $155,255,500 | 3,415 |
| Average earning assets | $144,911,000 | 3,405 |
| Average equity | $10,583,750 | 3,853 |
| Average total loans | $80,995,000 | 3,413 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 2,191 |
| Cost of funding earning assets | 0.3426% | 1,342 |
| Net interest margin | 3.1382% | 2,408 |
| Noninterest income to average assets | 0.2209% | 3,874 |
| Noninterest expense to average assets | 2.1976% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9141% | 2,523 |
| Return on assets (ROA) | 0.9153% | 2,487 |
| Pretax return on assets | 0.9547% | 2,887 |
| Return on Equity (ROE) | 12.2629% | 1,598 |
| Retained earnings to average equity (ytd only) | 10.6302% | 867 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5407% | 2,023 |
| Assets per employee ($millions) | 7.0014% | 1,940 |
| Cash dividends to net income (ytd only)* | 13.3148% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,489 |
| Loan loss allowance to noncurrent loans | 12,487.5000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,001 |
| Noncurrent loans to loans | 0.0099% | 3,918 |
| Net loans and leases to total assets | 51.8032% | 3,181 |
| Net loans and leases to deposits | 58.8184% | 3,148 |
| Net loans and leases to core deposits | 62.0224% | 3,117 |
| Total domestic deposits to total assets | 88.0732% | 2,546 |
| Equity capital to assets | 5.6164% | 4,327 |
| Core capital (leverage) ratio | 10.1142% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2841% | 1,634 |
| Memoranda: | ||
| Average total assets | $157,538,667 | 3,431 |
| Average earning assets | $147,089,333 | 3,425 |
| Average equity | $11,759,000 | 3,806 |
| Average total loans | $80,805,333 | 3,444 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3107% | 2,356 |
| Cost of funding earning assets | 0.3144% | 1,519 |
| Net interest margin | 2.9963% | 2,515 |
| Noninterest income to average assets | 0.2009% | 3,959 |
| Noninterest expense to average assets | 2.2474% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7232% | 2,970 |
| Return on assets (ROA) | 0.7232% | 2,961 |
| Pretax return on assets | 0.7533% | 3,245 |
| Return on Equity (ROE) | 8.6532% | 2,456 |
| Retained earnings to average equity (ytd only) | 7.2110% | 1,827 |
| Net charge-offs to loans | -0.0099% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4770% | 1,691 |
| Assets per employee ($millions) | 6.9900% | 2,004 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,709 |
| Loan loss allowance to noncurrent loans | 33,366.6667% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,098 |
| Noncurrent loans to loans | 0.0037% | 4,019 |
| Net loans and leases to total assets | 52.2968% | 2,957 |
| Net loans and leases to deposits | 59.5348% | 2,950 |
| Net loans and leases to core deposits | 63.0084% | 2,890 |
| Total domestic deposits to total assets | 87.8424% | 2,598 |
| Equity capital to assets | 7.4203% | 3,979 |
| Core capital (leverage) ratio | 9.3998% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8512% | 1,855 |
| Memoranda: | ||
| Average total assets | $159,292,500 | 3,427 |
| Average earning assets | $148,849,500 | 3,416 |
| Average equity | $13,313,000 | 3,727 |
| Average total loans | $80,812,000 | 3,445 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4935% | 2,681 |
| Cost of funding earning assets | 0.3233% | 2,170 |
| Net interest margin | 3.1703% | 2,682 |
| Noninterest income to average assets | 0.2738% | 3,759 |
| Noninterest expense to average assets | 2.2470% | 2,957 |
| Loan and lease loss provision to assets | 0.2036% | 518 |
| Net operating income to assets | 0.7547% | 3,476 |
| Return on assets (ROA) | 0.7661% | 3,499 |
| Pretax return on assets | 0.7962% | 3,734 |
| Return on Equity (ROE) | 7.7539% | 3,300 |
| Retained earnings to average equity (ytd only) | 0.4438% | 4,388 |
| Net charge-offs to loans | 0.4706% | 176 |
| Credit loss provision to net charge-offs | 88.3152% | 1,893 |
| Earnings coverage of net charge-offs (x) | 4.2853% | 2,499 |
| Efficiency ratio | 69.0550% | 1,853 |
| Assets per employee ($millions) | 7.1654% | 1,816 |
| Cash dividends to net income (ytd only)* | 94.2764% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,641 |
| Loan loss allowance to noncurrent loans | 49,950.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,194 |
| Noncurrent loans to loans | 0.0025% | 4,107 |
| Net loans and leases to total assets | 48.0580% | 3,491 |
| Net loans and leases to deposits | 55.6972% | 3,446 |
| Net loans and leases to core deposits | 59.2249% | 3,375 |
| Total domestic deposits to total assets | 86.2844% | 2,810 |
| Equity capital to assets | 9.2321% | 3,387 |
| Core capital (leverage) ratio | 8.9445% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5983% | 2,020 |
| Memoranda: | ||
| Average total assets | $159,633,000 | 3,394 |
| Average earning assets | $149,103,800 | 3,385 |
| Average equity | $15,772,800 | 3,562 |
| Average total loans | $78,198,200 | 3,510 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 2,996 |
| Cost of funding earning assets | 0.3297% | 2,304 |
| Net interest margin | 3.1076% | 3,037 |
| Noninterest income to average assets | 0.2956% | 3,679 |
| Noninterest expense to average assets | 2.2769% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8889% | 3,279 |
| Return on assets (ROA) | 0.9027% | 3,319 |
| Pretax return on assets | 0.9380% | 3,611 |
| Return on Equity (ROE) | 8.9824% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.7590% | 2,132 |
| Net charge-offs to loans | -0.0086% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7182% | 1,526 |
| Assets per employee ($millions) | 6.5927% | 2,187 |
| Cash dividends to net income (ytd only)* | 13.6194% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,413 |
| Loan loss allowance to noncurrent loans | 223.9316% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 2,293 |
| Noncurrent loans to loans | 0.5877% | 1,838 |
| Net loans and leases to total assets | 49.6650% | 3,444 |
| Net loans and leases to deposits | 58.5245% | 3,363 |
| Net loans and leases to core deposits | 62.3078% | 3,283 |
| Total domestic deposits to total assets | 84.8620% | 3,164 |
| Equity capital to assets | 10.3069% | 2,606 |
| Core capital (leverage) ratio | 9.5078% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4568% | 1,813 |
| Memoranda: | ||
| Average total assets | $158,340,000 | 3,448 |
| Average earning assets | $148,022,500 | 3,435 |
| Average equity | $15,912,250 | 3,590 |
| Average total loans | $77,697,500 | 3,566 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3875% | 3,212 |
| Cost of funding earning assets | 0.3370% | 2,432 |
| Net interest margin | 3.0505% | 3,177 |
| Noninterest income to average assets | 0.3271% | 3,468 |
| Noninterest expense to average assets | 2.2263% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9137% | 3,180 |
| Return on assets (ROA) | 0.9294% | 3,211 |
| Pretax return on assets | 0.9635% | 3,514 |
| Return on Equity (ROE) | 9.3281% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.0860% | 2,046 |
| Net charge-offs to loans | -0.0078% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7175% | 1,679 |
| Assets per employee ($millions) | 6.1214% | 2,503 |
| Cash dividends to net income (ytd only)* | 13.3152% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,341 |
| Loan loss allowance to noncurrent loans | 228.8840% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 2,494 |
| Noncurrent loans to loans | 0.5766% | 1,955 |
| Net loans and leases to total assets | 49.1405% | 3,638 |
| Net loans and leases to deposits | 57.7379% | 3,567 |
| Net loans and leases to core deposits | 61.4347% | 3,511 |
| Total domestic deposits to total assets | 85.1096% | 3,048 |
| Equity capital to assets | 10.1335% | 2,739 |
| Core capital (leverage) ratio | 9.2433% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2149% | 1,902 |
| Memoranda: | ||
| Average total assets | $158,378,667 | 3,446 |
| Average earning assets | $147,780,667 | 3,445 |
| Average equity | $15,780,333 | 3,605 |
| Average total loans | $77,053,333 | 3,601 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2536% | 3,564 |
| Cost of funding earning assets | 0.3432% | 2,582 |
| Net interest margin | 2.9104% | 3,486 |
| Noninterest income to average assets | 0.1798% | 4,294 |
| Noninterest expense to average assets | 2.2457% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6330% | 3,857 |
| Return on assets (ROA) | 0.6330% | 3,928 |
| Pretax return on assets | 0.6608% | 4,094 |
| Return on Equity (ROE) | 6.4076% | 3,749 |
| Retained earnings to average equity (ytd only) | 5.1261% | 3,184 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8293% | 1,054 |
| Assets per employee ($millions) | 6.3098% | 2,322 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 2,242 |
| Loan loss allowance to noncurrent loans | 228.2276% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 2,692 |
| Noncurrent loans to loans | 0.5882% | 2,100 |
| Net loans and leases to total assets | 48.5911% | 3,751 |
| Net loans and leases to deposits | 56.8485% | 3,732 |
| Net loans and leases to core deposits | 60.8362% | 3,650 |
| Total domestic deposits to total assets | 85.4747% | 2,933 |
| Equity capital to assets | 9.7899% | 2,908 |
| Core capital (leverage) ratio | 9.2470% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8201% | 2,361 |
| Memoranda: | ||
| Average total assets | $157,990,000 | 3,460 |
| Average earning assets | $148,022,000 | 3,441 |
| Average equity | $15,606,500 | 3,627 |
| Average total loans | $75,952,000 | 3,630 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 3,244 |
| Cost of funding earning assets | 0.5120% | 2,872 |
| Net interest margin | 3.3088% | 3,048 |
| Noninterest income to average assets | 0.4100% | 3,045 |
| Noninterest expense to average assets | 2.7630% | 2,034 |
| Loan and lease loss provision to assets | 0.0718% | 3,486 |
| Net operating income to assets | 0.6218% | 3,674 |
| Return on assets (ROA) | 0.8830% | 2,906 |
| Pretax return on assets | 0.9212% | 3,312 |
| Return on Equity (ROE) | 8.2922% | 2,694 |
| Retained earnings to average equity (ytd only) | 1.2259% | 4,133 |
| Net charge-offs to loans | 0.4135% | 410 |
| Credit loss provision to net charge-offs | 32.6087% | 3,206 |
| Earnings coverage of net charge-offs (x) | 3.2764% | 3,099 |
| Efficiency ratio | 78.8741% | 972 |
| Assets per employee ($millions) | 6.0860% | 2,266 |
| Cash dividends to net income (ytd only)* | 85.2167% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 1,948 |
| Loan loss allowance to noncurrent loans | 228.2276% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 2,846 |
| Noncurrent loans to loans | 0.6158% | 2,155 |
| Net loans and leases to total assets | 46.2401% | 4,111 |
| Net loans and leases to deposits | 54.1656% | 4,105 |
| Net loans and leases to core deposits | 58.0827% | 4,048 |
| Total domestic deposits to total assets | 85.3680% | 2,626 |
| Equity capital to assets | 9.9662% | 3,157 |
| Core capital (leverage) ratio | 9.2081% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8733% | 1,575 |
| Memoranda: | ||
| Average total assets | $146,325,600 | 3,441 |
| Average earning assets | $135,939,000 | 3,429 |
| Average equity | $15,581,000 | 3,598 |
| Average total loans | $77,878,400 | 3,597 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 3,275 |
| Cost of funding earning assets | 0.5607% | 2,863 |
| Net interest margin | 3.3311% | 3,095 |
| Noninterest income to average assets | 0.4613% | 2,782 |
| Noninterest expense to average assets | 2.8034% | 1,956 |
| Loan and lease loss provision to assets | 0.0977% | 3,102 |
| Net operating income to assets | 0.6222% | 3,712 |
| Return on assets (ROA) | 0.9115% | 2,781 |
| Pretax return on assets | 0.9506% | 3,232 |
| Return on Equity (ROE) | 8.4116% | 2,642 |
| Retained earnings to average equity (ytd only) | 7.2013% | 1,615 |
| Net charge-offs to loans | 0.5618% | 268 |
| Credit loss provision to net charge-offs | 31.6265% | 2,948 |
| Earnings coverage of net charge-offs (x) | 2.4187% | 2,988 |
| Efficiency ratio | 78.5434% | 978 |
| Assets per employee ($millions) | 5.7456% | 2,501 |
| Cash dividends to net income (ytd only)* | 14.3878% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,015 |
| Loan loss allowance to noncurrent loans | 67.7610% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 1,076 |
| Noncurrent loans to loans | 1.9714% | 621 |
| Net loans and leases to total assets | 51.0242% | 4,029 |
| Net loans and leases to deposits | 60.7490% | 4,008 |
| Net loans and leases to core deposits | 65.3523% | 3,933 |
| Total domestic deposits to total assets | 83.9918% | 2,827 |
| Equity capital to assets | 10.9113% | 2,470 |
| Core capital (leverage) ratio | 9.9921% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7130% | 1,587 |
| Memoranda: | ||
| Average total assets | $143,348,250 | 3,460 |
| Average earning assets | $132,924,000 | 3,461 |
| Average equity | $15,533,750 | 3,606 |
| Average total loans | $78,795,250 | 3,597 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 3,422 |
| Cost of funding earning assets | 0.6028% | 2,950 |
| Net interest margin | 3.3607% | 3,221 |
| Noninterest income to average assets | 0.5108% | 2,523 |
| Noninterest expense to average assets | 2.8061% | 2,084 |
| Loan and lease loss provision to assets | 0.1486% | 2,521 |
| Net operating income to assets | 0.6663% | 3,520 |
| Return on assets (ROA) | 1.1023% | 2,075 |
| Pretax return on assets | 1.1505% | 2,547 |
| Return on Equity (ROE) | 10.1974% | 1,927 |
| Retained earnings to average equity (ytd only) | 8.9800% | 1,013 |
| Net charge-offs to loans | 0.8423% | 183 |
| Credit loss provision to net charge-offs | 31.4371% | 2,696 |
| Earnings coverage of net charge-offs (x) | 1.7874% | 2,825 |
| Efficiency ratio | 76.4341% | 1,224 |
| Assets per employee ($millions) | 5.6052% | 2,539 |
| Cash dividends to net income (ytd only)* | 11.9384% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,067 |
| Loan loss allowance to noncurrent loans | 52.0444% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.3593% | 736 |
| Noncurrent loans to loans | 2.4735% | 478 |
| Net loans and leases to total assets | 54.2471% | 3,855 |
| Net loans and leases to deposits | 64.7674% | 3,823 |
| Net loans and leases to core deposits | 69.2098% | 3,757 |
| Total domestic deposits to total assets | 83.7568% | 2,828 |
| Equity capital to assets | 11.0488% | 2,303 |
| Core capital (leverage) ratio | 10.1407% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6210% | 1,336 |
| Memoranda: | ||
| Average total assets | $141,335,667 | 3,469 |
| Average earning assets | $132,054,000 | 3,448 |
| Average equity | $15,278,333 | 3,630 |
| Average total loans | $79,308,667 | 3,590 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,918 |
| Cost of funding earning assets | 0.6831% | 3,003 |
| Net interest margin | 3.2685% | 3,669 |
| Noninterest income to average assets | 0.3852% | 3,199 |
| Noninterest expense to average assets | 2.7340% | 2,619 |
| Loan and lease loss provision to assets | 0.3019% | 1,026 |
| Net operating income to assets | 0.3964% | 4,142 |
| Return on assets (ROA) | 1.2851% | 1,375 |
| Pretax return on assets | 1.3426% | 1,741 |
| Return on Equity (ROE) | 12.0270% | 1,098 |
| Retained earnings to average equity (ytd only) | 10.8163% | 593 |
| Net charge-offs to loans | -0.0101% | 4,084 |
| Credit loss provision to net charge-offs | -5,250.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7677% | 1,260 |
| Assets per employee ($millions) | 5.1074% | 2,531 |
| Cash dividends to net income (ytd only)* | 10.0671% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 764 |
| Loan loss allowance to noncurrent loans | 47.4323% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 2.0899% | 378 |
| Noncurrent loans to loans | 3.7162% | 235 |
| Net loans and leases to total assets | 55.2473% | 3,894 |
| Net loans and leases to deposits | 65.6629% | 3,887 |
| Net loans and leases to core deposits | 70.8780% | 3,821 |
| Total domestic deposits to total assets | 84.1378% | 2,744 |
| Equity capital to assets | 10.6128% | 3,222 |
| Core capital (leverage) ratio | 10.5892% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5580% | 3,212 |
| Memoranda: | ||
| Average total assets | $139,136,000 | 3,463 |
| Average earning assets | $130,578,500 | 3,440 |
| Average equity | $14,866,500 | 3,675 |
| Average total loans | $78,919,000 | 3,600 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 3,301 |
| Cost of funding earning assets | 0.8229% | 2,572 |
| Net interest margin | 3.5572% | 3,264 |
| Noninterest income to average assets | 0.4101% | 3,231 |
| Noninterest expense to average assets | 2.8093% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8887% | 3,255 |
| Return on assets (ROA) | 0.9666% | 3,051 |
| Pretax return on assets | 1.0087% | 3,444 |
| Return on Equity (ROE) | 8.9434% | 2,780 |
| Retained earnings to average equity (ytd only) | 1.5152% | 4,197 |
| Net charge-offs to loans | 0.0061% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 256.0000% | 320 |
| Efficiency ratio | 74.7528% | 1,518 |
| Assets per employee ($millions) | 5.3989% | 2,149 |
| Cash dividends to net income (ytd only)* | 83.0585% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 1,050 |
| Loan loss allowance to noncurrent loans | 60.3737% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 684 |
| Noncurrent loans to loans | 2.5995% | 406 |
| Net loans and leases to total assets | 56.2968% | 3,905 |
| Net loans and leases to deposits | 66.9272% | 3,900 |
| Net loans and leases to core deposits | 73.7297% | 3,741 |
| Total domestic deposits to total assets | 84.1165% | 2,814 |
| Equity capital to assets | 10.7557% | 3,217 |
| Core capital (leverage) ratio | 10.3729% | 3,101 |
| Tier 1 risk-based capital ratio | 15.1185% | 2,731 |
| Total risk-based capital ratio | 16.3692% | 2,660 |
| Memoranda: | ||
| Average total assets | $138,004,600 | 3,466 |
| Average earning assets | $129,061,000 | 3,440 |
| Average equity | $14,916,000 | 3,644 |
| Average total loans | $82,091,600 | 3,561 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 3,258 |
| Cost of funding earning assets | 0.8619% | 2,403 |
| Net interest margin | 3.5712% | 3,327 |
| Noninterest income to average assets | 0.4027% | 3,300 |
| Noninterest expense to average assets | 2.8255% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8756% | 3,427 |
| Return on assets (ROA) | 0.9771% | 3,138 |
| Pretax return on assets | 1.0198% | 3,528 |
| Return on Equity (ROE) | 9.0288% | 2,877 |
| Retained earnings to average equity (ytd only) | 7.7018% | 1,538 |
| Net charge-offs to loans | 0.0065% | 3,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 235.6417% | 390 |
| Efficiency ratio | 75.1168% | 1,434 |
| Assets per employee ($millions) | 5.3050% | 2,216 |
| Cash dividends to net income (ytd only)* | 14.6973% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 1,248 |
| Loan loss allowance to noncurrent loans | 60.4217% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.5131% | 727 |
| Noncurrent loans to loans | 2.4843% | 471 |
| Net loans and leases to total assets | 59.9901% | 3,674 |
| Net loans and leases to deposits | 73.7497% | 3,497 |
| Net loans and leases to core deposits | 82.7963% | 3,192 |
| Total domestic deposits to total assets | 81.3428% | 3,655 |
| Equity capital to assets | 11.4318% | 2,709 |
| Core capital (leverage) ratio | 11.0952% | 2,563 |
| Tier 1 risk-based capital ratio | 15.1850% | 2,763 |
| Total risk-based capital ratio | 16.4365% | 2,694 |
| Memoranda: | ||
| Average total assets | $137,412,750 | 3,505 |
| Average earning assets | $128,394,750 | 3,483 |
| Average equity | $14,870,500 | 3,683 |
| Average total loans | $82,543,250 | 3,586 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4745% | 3,089 |
| Cost of funding earning assets | 0.8625% | 2,336 |
| Net interest margin | 3.6120% | 3,214 |
| Noninterest income to average assets | 0.3949% | 3,300 |
| Noninterest expense to average assets | 2.8024% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9274% | 3,181 |
| Return on assets (ROA) | 1.0799% | 2,673 |
| Pretax return on assets | 1.1265% | 3,151 |
| Return on Equity (ROE) | 10.1707% | 2,307 |
| Retained earnings to average equity (ytd only) | 8.7981% | 1,094 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9080% | 1,658 |
| Assets per employee ($millions) | 4.7922% | 2,752 |
| Cash dividends to net income (ytd only)* | 13.4953% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,288 |
| Loan loss allowance to noncurrent loans | 336.1702% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 3,437 |
| Noncurrent loans to loans | 0.4456% | 2,937 |
| Net loans and leases to total assets | 61.9480% | 3,548 |
| Net loans and leases to deposits | 74.7106% | 3,457 |
| Net loans and leases to core deposits | 83.9414% | 3,112 |
| Total domestic deposits to total assets | 82.9172% | 3,231 |
| Equity capital to assets | 11.4196% | 2,685 |
| Core capital (leverage) ratio | 10.7995% | 2,792 |
| Tier 1 risk-based capital ratio | 14.9726% | 2,859 |
| Total risk-based capital ratio | 16.2232% | 2,773 |
| Memoranda: | ||
| Average total assets | $137,240,000 | 3,523 |
| Average earning assets | $128,238,670 | 3,504 |
| Average equity | $14,571,330 | 3,710 |
| Average total loans | $82,055,670 | 3,620 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 3,378 |
| Cost of funding earning assets | 0.8078% | 2,491 |
| Net interest margin | 3.5518% | 3,426 |
| Noninterest income to average assets | 0.3603% | 3,446 |
| Noninterest expense to average assets | 2.8220% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8232% | 3,537 |
| Return on assets (ROA) | 1.0723% | 2,621 |
| Pretax return on assets | 1.1184% | 3,096 |
| Return on Equity (ROE) | 10.4822% | 2,160 |
| Retained earnings to average equity (ytd only) | 9.0733% | 1,297 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1942% | 1,477 |
| Assets per employee ($millions) | 5.0492% | 2,462 |
| Cash dividends to net income (ytd only)* | 13.4409% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,176 |
| Loan loss allowance to noncurrent loans | 64.1624% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 853 |
| Noncurrent loans to loans | 2.4199% | 550 |
| Net loans and leases to total assets | 58.7869% | 3,805 |
| Net loans and leases to deposits | 70.0606% | 3,761 |
| Net loans and leases to core deposits | 79.2170% | 3,433 |
| Total domestic deposits to total assets | 83.9087% | 3,077 |
| Equity capital to assets | 10.7359% | 3,124 |
| Core capital (leverage) ratio | 10.8589% | 2,713 |
| Tier 1 risk-based capital ratio | 15.1997% | 2,792 |
| Total risk-based capital ratio | 16.4504% | 2,702 |
| Memoranda: | ||
| Average total assets | $138,769,000 | 3,548 |
| Average earning assets | $129,735,500 | 3,518 |
| Average equity | $14,195,500 | 3,772 |
| Average total loans | $80,890,000 | 3,672 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 2,778 |
| Cost of funding earning assets | 0.7155% | 1,991 |
| Net interest margin | 3.6795% | 3,118 |
| Noninterest income to average assets | 0.4349% | 3,203 |
| Noninterest expense to average assets | 2.9734% | 2,120 |
| Loan and lease loss provision to assets | 0.0091% | 3,940 |
| Net operating income to assets | 0.8513% | 3,601 |
| Return on assets (ROA) | 0.8295% | 3,692 |
| Pretax return on assets | 0.8621% | 3,998 |
| Return on Equity (ROE) | 7.9032% | 3,483 |
| Retained earnings to average equity (ytd only) | 0.9779% | 4,709 |
| Net charge-offs to loans | 0.0376% | 2,648 |
| Credit loss provision to net charge-offs | 40.0000% | 3,283 |
| Earnings coverage of net charge-offs (x) | 39.2000% | 1,337 |
| Efficiency ratio | 76.4301% | 1,299 |
| Assets per employee ($millions) | 5.4312% | 2,026 |
| Cash dividends to net income (ytd only)* | 87.6260% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,087 |
| Loan loss allowance to noncurrent loans | 425.5892% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,775 |
| Noncurrent loans to loans | 0.3695% | 3,214 |
| Net loans and leases to total assets | 56.0222% | 4,133 |
| Net loans and leases to deposits | 63.1604% | 4,303 |
| Net loans and leases to core deposits | 71.2565% | 4,044 |
| Total domestic deposits to total assets | 88.6984% | 983 |
| Equity capital to assets | 9.7408% | 3,920 |
| Core capital (leverage) ratio | 10.9151% | 2,606 |
| Tier 1 risk-based capital ratio | 14.9127% | 2,868 |
| Total risk-based capital ratio | 16.1637% | 2,801 |
| Memoranda: | ||
| Average total assets | $131,532,600 | 3,631 |
| Average earning assets | $122,705,800 | 3,605 |
| Average equity | $13,804,600 | 3,776 |
| Average total loans | $79,734,000 | 3,674 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 2,422 |
| Cost of funding earning assets | 0.7195% | 1,749 |
| Net interest margin | 3.7438% | 2,853 |
| Noninterest income to average assets | 0.4409% | 3,229 |
| Noninterest expense to average assets | 2.9782% | 2,078 |
| Loan and lease loss provision to assets | 0.0124% | 3,748 |
| Net operating income to assets | 0.9025% | 3,513 |
| Return on assets (ROA) | 0.9025% | 3,519 |
| Pretax return on assets | 0.9376% | 3,907 |
| Return on Equity (ROE) | 8.4338% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.1565% | 2,577 |
| Net charge-offs to loans | -0.0101% | 4,403 |
| Credit loss provision to net charge-offs | -200.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3680% | 1,423 |
| Assets per employee ($millions) | 4.7621% | 2,773 |
| Cash dividends to net income (ytd only)* | 27.0025% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 956 |
| Loan loss allowance to noncurrent loans | 166.0281% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 2,354 |
| Noncurrent loans to loans | 0.9963% | 1,709 |
| Net loans and leases to total assets | 60.1142% | 3,829 |
| Net loans and leases to deposits | 71.0205% | 3,846 |
| Net loans and leases to core deposits | 79.7979% | 3,511 |
| Total domestic deposits to total assets | 84.6434% | 2,737 |
| Equity capital to assets | 10.7469% | 2,899 |
| Core capital (leverage) ratio | 11.5448% | 2,141 |
| Tier 1 risk-based capital ratio | 15.9978% | 2,453 |
| Total risk-based capital ratio | 17.2498% | 2,387 |
| Memoranda: | ||
| Average total assets | $129,113,250 | 3,691 |
| Average earning assets | $120,267,750 | 3,676 |
| Average equity | $13,817,000 | 3,800 |
| Average total loans | $79,574,250 | 3,705 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 2,016 |
| Cost of funding earning assets | 0.7617% | 1,319 |
| Net interest margin | 3.7618% | 2,706 |
| Noninterest income to average assets | 0.4440% | 3,194 |
| Noninterest expense to average assets | 2.9778% | 2,107 |
| Loan and lease loss provision to assets | 0.0186% | 3,526 |
| Net operating income to assets | 0.9142% | 3,400 |
| Return on assets (ROA) | 0.9142% | 3,402 |
| Pretax return on assets | 0.9467% | 3,818 |
| Return on Equity (ROE) | 8.5549% | 3,229 |
| Retained earnings to average equity (ytd only) | 5.8625% | 2,633 |
| Net charge-offs to loans | -0.0125% | 4,388 |
| Credit loss provision to net charge-offs | -240.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0490% | 1,555 |
| Assets per employee ($millions) | 4.6147% | 2,946 |
| Cash dividends to net income (ytd only)* | 31.4721% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 924 |
| Loan loss allowance to noncurrent loans | 180.1664% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 2,495 |
| Noncurrent loans to loans | 0.9362% | 1,856 |
| Net loans and leases to total assets | 60.7660% | 3,732 |
| Net loans and leases to deposits | 70.1063% | 3,846 |
| Net loans and leases to core deposits | 80.1966% | 3,404 |
| Total domestic deposits to total assets | 86.6769% | 1,980 |
| Equity capital to assets | 11.0862% | 2,553 |
| Core capital (leverage) ratio | 10.1924% | 3,369 |
| Tier 1 risk-based capital ratio | 16.0477% | 2,419 |
| Total risk-based capital ratio | 17.2996% | 2,360 |
| Memoranda: | ||
| Average total assets | $129,292,000 | 3,714 |
| Average earning assets | $120,260,670 | 3,707 |
| Average equity | $13,816,670 | 3,818 |
| Average total loans | $79,901,330 | 3,710 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 2,129 |
| Cost of funding earning assets | 0.7110% | 1,385 |
| Net interest margin | 3.7083% | 2,764 |
| Noninterest income to average assets | 0.4315% | 3,227 |
| Noninterest expense to average assets | 2.9322% | 2,248 |
| Loan and lease loss provision to assets | 0.0091% | 3,397 |
| Net operating income to assets | 0.9177% | 3,216 |
| Return on assets (ROA) | 0.9177% | 3,228 |
| Pretax return on assets | 0.9450% | 3,720 |
| Return on Equity (ROE) | 8.7419% | 3,032 |
| Retained earnings to average equity (ytd only) | 5.2683% | 3,049 |
| Net charge-offs to loans | -0.0049% | 4,009 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9805% | 1,749 |
| Assets per employee ($millions) | 4.4485% | 3,247 |
| Cash dividends to net income (ytd only)* | 39.7351% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 1,206 |
| Loan loss allowance to noncurrent loans | 176.4060% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 2,632 |
| Noncurrent loans to loans | 0.8962% | 2,032 |
| Net loans and leases to total assets | 62.0532% | 3,541 |
| Net loans and leases to deposits | 72.6995% | 3,538 |
| Net loans and leases to core deposits | 83.9332% | 2,988 |
| Total domestic deposits to total assets | 85.3558% | 2,805 |
| Equity capital to assets | 10.6080% | 2,962 |
| Core capital (leverage) ratio | 9.8763% | 3,682 |
| Tier 1 risk-based capital ratio | 15.1252% | 2,820 |
| Total risk-based capital ratio | 16.3760% | 2,752 |
| Memoranda: | ||
| Average total assets | $131,640,000 | 3,720 |
| Average earning assets | $122,643,000 | 3,703 |
| Average equity | $13,818,500 | 3,852 |
| Average total loans | $81,346,500 | 3,727 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1176% | 2,996 |
| Cost of funding earning assets | 0.5425% | 2,010 |
| Net interest margin | 3.5751% | 3,248 |
| Noninterest income to average assets | 0.4459% | 3,336 |
| Noninterest expense to average assets | 2.9739% | 2,235 |
| Loan and lease loss provision to assets | 0.0380% | 3,506 |
| Net operating income to assets | 0.7252% | 3,495 |
| Return on assets (ROA) | 0.7201% | 3,561 |
| Pretax return on assets | 0.7475% | 4,394 |
| Return on Equity (ROE) | 6.6258% | 3,466 |
| Retained earnings to average equity (ytd only) | 0.6850% | 4,765 |
| Net charge-offs to loans | -0.0262% | 5,022 |
| Credit loss provision to net charge-offs | -227.2727% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5109% | 1,283 |
| Assets per employee ($millions) | 4.4758% | 3,226 |
| Cash dividends to net income (ytd only)* | 89.6624% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,193 |
| Loan loss allowance to noncurrent loans | 277.7056% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 3,486 |
| Noncurrent loans to loans | 0.5679% | 2,798 |
| Net loans and leases to total assets | 59.6330% | 3,863 |
| Net loans and leases to deposits | 68.0529% | 4,023 |
| Net loans and leases to core deposits | 77.9803% | 3,585 |
| Total domestic deposits to total assets | 87.6274% | 1,686 |
| Equity capital to assets | 10.3908% | 3,281 |
| Core capital (leverage) ratio | 9.7220% | 3,781 |
| Tier 1 risk-based capital ratio | 14.7366% | 2,971 |
| Total risk-based capital ratio | 15.9873% | 2,907 |
| Memoranda: | ||
| Average total assets | $131,646,800 | 3,723 |
| Average earning assets | $122,206,800 | 3,707 |
| Average equity | $14,307,600 | 3,809 |
| Average total loans | $84,107,600 | 3,654 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 3,066 |
| Cost of funding earning assets | 0.4987% | 2,275 |
| Net interest margin | 3.5778% | 3,234 |
| Noninterest income to average assets | 0.4519% | 3,321 |
| Noninterest expense to average assets | 2.9355% | 2,293 |
| Loan and lease loss provision to assets | 0.0458% | 3,184 |
| Net operating income to assets | 0.7652% | 3,668 |
| Return on assets (ROA) | 0.7583% | 3,760 |
| Pretax return on assets | 0.7858% | 4,389 |
| Return on Equity (ROE) | 6.8997% | 3,719 |
| Retained earnings to average equity (ytd only) | 5.5104% | 2,533 |
| Net charge-offs to loans | -0.0330% | 5,029 |
| Credit loss provision to net charge-offs | -214.2857% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2923% | 1,424 |
| Assets per employee ($millions) | 4.3776% | 3,342 |
| Cash dividends to net income (ytd only)* | 20.1347% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 1,343 |
| Loan loss allowance to noncurrent loans | 90.5607% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 1,559 |
| Noncurrent loans to loans | 1.7186% | 1,051 |
| Net loans and leases to total assets | 61.4576% | 3,723 |
| Net loans and leases to deposits | 71.9279% | 3,782 |
| Net loans and leases to core deposits | 84.2345% | 3,112 |
| Total domestic deposits to total assets | 85.4433% | 2,539 |
| Equity capital to assets | 11.2573% | 2,614 |
| Core capital (leverage) ratio | 10.7167% | 2,744 |
| Tier 1 risk-based capital ratio | 15.4190% | 2,738 |
| Total risk-based capital ratio | 16.6682% | 2,685 |
| Memoranda: | ||
| Average total assets | $130,990,250 | 3,770 |
| Average earning assets | $121,635,250 | 3,758 |
| Average equity | $14,396,500 | 3,833 |
| Average total loans | $84,796,000 | 3,668 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 2,962 |
| Cost of funding earning assets | 0.4673% | 2,436 |
| Net interest margin | 3.5970% | 3,055 |
| Noninterest income to average assets | 0.4477% | 3,369 |
| Noninterest expense to average assets | 2.8806% | 2,487 |
| Loan and lease loss provision to assets | 0.0458% | 3,075 |
| Net operating income to assets | 0.8340% | 3,227 |
| Return on assets (ROA) | 0.8237% | 3,334 |
| Pretax return on assets | 0.8512% | 4,094 |
| Return on Equity (ROE) | 7.5557% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.1539% | 2,034 |
| Net charge-offs to loans | -0.0607% | 5,251 |
| Credit loss provision to net charge-offs | -115.3846% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5547% | 1,792 |
| Assets per employee ($millions) | 4.5808% | 2,973 |
| Cash dividends to net income (ytd only)* | 18.5529% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,592 |
| Loan loss allowance to noncurrent loans | 106.3866% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 1,977 |
| Noncurrent loans to loans | 1.4048% | 1,364 |
| Net loans and leases to total assets | 62.8135% | 3,534 |
| Net loans and leases to deposits | 71.9872% | 3,742 |
| Net loans and leases to core deposits | 83.5861% | 3,116 |
| Total domestic deposits to total assets | 87.2565% | 1,828 |
| Equity capital to assets | 11.0355% | 2,770 |
| Core capital (leverage) ratio | 10.9060% | 2,497 |
| Tier 1 risk-based capital ratio | 14.4072% | 3,217 |
| Total risk-based capital ratio | 15.6564% | 3,145 |
| Memoranda: | ||
| Average total assets | $130,877,670 | 3,791 |
| Average earning assets | $121,546,330 | 3,775 |
| Average equity | $14,267,330 | 3,859 |
| Average total loans | $85,732,330 | 3,662 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 2,945 |
| Cost of funding earning assets | 0.4546% | 2,487 |
| Net interest margin | 3.5704% | 3,003 |
| Noninterest income to average assets | 0.4588% | 3,264 |
| Noninterest expense to average assets | 2.8854% | 2,503 |
| Loan and lease loss provision to assets | 0.0462% | 2,881 |
| Net operating income to assets | 0.8218% | 3,114 |
| Return on assets (ROA) | 0.8037% | 3,266 |
| Pretax return on assets | 0.8222% | 4,025 |
| Return on Equity (ROE) | 7.4195% | 3,201 |
| Retained earnings to average equity (ytd only) | 5.9982% | 2,340 |
| Net charge-offs to loans | -0.1160% | 5,489 |
| Credit loss provision to net charge-offs | -60.0000% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 1,905 |
| Assets per employee ($millions) | 4.4885% | 3,182 |
| Cash dividends to net income (ytd only)* | 19.1571% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 1,891 |
| Loan loss allowance to noncurrent loans | 388.1988% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 4,222 |
| Noncurrent loans to loans | 0.3717% | 3,762 |
| Net loans and leases to total assets | 65.5942% | 3,036 |
| Net loans and leases to deposits | 75.0677% | 3,295 |
| Net loans and leases to core deposits | 87.6495% | 2,580 |
| Total domestic deposits to total assets | 87.3801% | 2,042 |
| Equity capital to assets | 10.9429% | 2,695 |
| Core capital (leverage) ratio | 11.0185% | 2,347 |
| Tier 1 risk-based capital ratio | 14.6316% | 3,146 |
| Total risk-based capital ratio | 15.8821% | 3,071 |
| Memoranda: | ||
| Average total assets | $129,894,500 | 3,841 |
| Average earning assets | $120,546,500 | 3,830 |
| Average equity | $14,071,000 | 3,909 |
| Average total loans | $86,243,500 | 3,681 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9529% | 3,372 |
| Cost of funding earning assets | 0.4275% | 2,731 |
| Net interest margin | 3.5254% | 3,335 |
| Noninterest income to average assets | 0.4299% | 3,680 |
| Noninterest expense to average assets | 2.8444% | 2,862 |
| Loan and lease loss provision to assets | 0.0876% | 2,610 |
| Net operating income to assets | 0.7719% | 3,446 |
| Return on assets (ROA) | 0.8031% | 3,393 |
| Pretax return on assets | 0.8386% | 4,051 |
| Return on Equity (ROE) | 7.3224% | 3,307 |
| Retained earnings to average equity (ytd only) | 1.1228% | 4,853 |
| Net charge-offs to loans | 0.3807% | 708 |
| Credit loss provision to net charge-offs | 35.4740% | 3,545 |
| Earnings coverage of net charge-offs (x) | 3.6177% | 3,629 |
| Efficiency ratio | 75.5861% | 2,046 |
| Assets per employee ($millions) | 4.4697% | 3,161 |
| Cash dividends to net income (ytd only)* | 84.6660% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 2,035 |
| Loan loss allowance to noncurrent loans | 562.7907% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 4,659 |
| Noncurrent loans to loans | 0.2504% | 4,258 |
| Net loans and leases to total assets | 65.3014% | 3,177 |
| Net loans and leases to deposits | 74.5095% | 3,465 |
| Net loans and leases to core deposits | 85.2563% | 2,908 |
| Total domestic deposits to total assets | 87.6418% | 1,815 |
| Equity capital to assets | 10.7219% | 2,901 |
| Core capital (leverage) ratio | 10.6604% | 2,708 |
| Tier 1 risk-based capital ratio | 14.5727% | 3,167 |
| Total risk-based capital ratio | 15.8232% | 3,098 |
| Memoranda: | ||
| Average total assets | $132,364,400 | 3,793 |
| Average earning assets | $124,212,200 | 3,747 |
| Average equity | $14,517,000 | 3,869 |
| Average total loans | $85,891,800 | 3,667 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 3,460 |
| Cost of funding earning assets | 0.4228% | 2,809 |
| Net interest margin | 3.5163% | 3,410 |
| Noninterest income to average assets | 0.4189% | 3,789 |
| Noninterest expense to average assets | 2.7808% | 3,070 |
| Loan and lease loss provision to assets | 0.0451% | 3,338 |
| Net operating income to assets | 0.8645% | 3,080 |
| Return on assets (ROA) | 0.9059% | 3,007 |
| Pretax return on assets | 0.9450% | 3,830 |
| Return on Equity (ROE) | 8.2151% | 2,899 |
| Retained earnings to average equity (ytd only) | 6.6702% | 1,801 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0860% | 2,267 |
| Assets per employee ($millions) | 4.3227% | 3,377 |
| Cash dividends to net income (ytd only)* | 18.8053% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 1,151 |
| Loan loss allowance to noncurrent loans | 260.8541% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 3,690 |
| Noncurrent loans to loans | 0.6619% | 3,046 |
| Net loans and leases to total assets | 64.3451% | 3,352 |
| Net loans and leases to deposits | 74.3284% | 3,566 |
| Net loans and leases to core deposits | 86.7753% | 2,874 |
| Total domestic deposits to total assets | 86.5687% | 2,101 |
| Equity capital to assets | 11.6608% | 2,390 |
| Core capital (leverage) ratio | 10.9444% | 2,512 |
| Tier 1 risk-based capital ratio | 15.2550% | 2,933 |
| Total risk-based capital ratio | 16.5085% | 2,865 |
| Memoranda: | ||
| Average total assets | $133,050,000 | 3,809 |
| Average earning assets | $125,206,000 | 3,750 |
| Average equity | $14,671,750 | 3,885 |
| Average total loans | $85,901,000 | 3,684 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 3,523 |
| Cost of funding earning assets | 0.4215% | 2,823 |
| Net interest margin | 3.5042% | 3,478 |
| Noninterest income to average assets | 0.4025% | 3,856 |
| Noninterest expense to average assets | 2.7099% | 3,358 |
| Loan and lease loss provision to assets | 0.0447% | 3,260 |
| Net operating income to assets | 0.9159% | 2,786 |
| Return on assets (ROA) | 0.9316% | 2,854 |
| Pretax return on assets | 0.9734% | 3,687 |
| Return on Equity (ROE) | 8.6078% | 2,692 |
| Retained earnings to average equity (ytd only) | 6.9551% | 1,628 |
| Net charge-offs to loans | 0.0023% | 3,627 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 86 |
| Efficiency ratio | 72.5301% | 2,582 |
| Assets per employee ($millions) | 4.6501% | 2,796 |
| Cash dividends to net income (ytd only)* | 19.2000% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6615% | 1,364 |
| Loan loss allowance to noncurrent loans | 117.9821% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 2,336 |
| Noncurrent loans to loans | 1.4082% | 1,581 |
| Net loans and leases to total assets | 63.6407% | 3,419 |
| Net loans and leases to deposits | 72.9153% | 3,708 |
| Net loans and leases to core deposits | 84.7951% | 3,007 |
| Total domestic deposits to total assets | 87.2803% | 1,767 |
| Equity capital to assets | 11.0586% | 2,991 |
| Core capital (leverage) ratio | 10.2505% | 3,269 |
| Tier 1 risk-based capital ratio | 14.6057% | 3,254 |
| Total risk-based capital ratio | 15.8590% | 3,189 |
| Memoranda: | ||
| Average total assets | $134,172,670 | 3,808 |
| Average earning assets | $126,705,000 | 3,745 |
| Average equity | $14,521,670 | 3,924 |
| Average total loans | $86,231,330 | 3,687 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9115% | 3,549 |
| Cost of funding earning assets | 0.4171% | 2,884 |
| Net interest margin | 3.4944% | 3,495 |
| Noninterest income to average assets | 0.4005% | 3,826 |
| Noninterest expense to average assets | 2.7049% | 3,395 |
| Loan and lease loss provision to assets | 0.0448% | 3,030 |
| Net operating income to assets | 0.9146% | 2,676 |
| Return on assets (ROA) | 0.9146% | 2,793 |
| Pretax return on assets | 0.9564% | 3,640 |
| Return on Equity (ROE) | 8.5439% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.8686% | 1,954 |
| Net charge-offs to loans | -0.0140% | 4,680 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 2,723 |
| Assets per employee ($millions) | 4.6106% | 2,875 |
| Cash dividends to net income (ytd only)* | 19.6078% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 1,468 |
| Loan loss allowance to noncurrent loans | 108.0330% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 2,216 |
| Noncurrent loans to loans | 1.5317% | 1,525 |
| Net loans and leases to total assets | 63.9627% | 3,247 |
| Net loans and leases to deposits | 73.1157% | 3,538 |
| Net loans and leases to core deposits | 86.2073% | 2,731 |
| Total domestic deposits to total assets | 87.4815% | 1,938 |
| Equity capital to assets | 10.8776% | 3,076 |
| Core capital (leverage) ratio | 10.5411% | 2,913 |
| Tier 1 risk-based capital ratio | 14.5772% | 3,351 |
| Total risk-based capital ratio | 15.8292% | 3,290 |
| Memoranda: | ||
| Average total assets | $133,832,000 | 3,839 |
| Average earning assets | $126,601,500 | 3,775 |
| Average equity | $14,326,000 | 3,963 |
| Average total loans | $85,711,000 | 3,703 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 3,687 |
| Cost of funding earning assets | 0.3942% | 3,216 |
| Net interest margin | 3.5118% | 3,482 |
| Noninterest income to average assets | 0.3673% | 4,276 |
| Noninterest expense to average assets | 2.7520% | 3,405 |
| Loan and lease loss provision to assets | -0.3380% | 6,081 |
| Net operating income to assets | 1.2627% | 1,357 |
| Return on assets (ROA) | 1.2721% | 1,387 |
| Pretax return on assets | 1.3226% | 2,189 |
| Return on Equity (ROE) | 11.7621% | 1,367 |
| Retained earnings to average equity (ytd only) | 2.7561% | 4,112 |
| Net charge-offs to loans | -0.6232% | 6,105 |
| Credit loss provision to net charge-offs | 85.5238% | 2,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3387% | 2,686 |
| Assets per employee ($millions) | 4.6192% | 2,857 |
| Cash dividends to net income (ytd only)* | 76.5680% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 1,389 |
| Loan loss allowance to noncurrent loans | 208.0527% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 3,600 |
| Noncurrent loans to loans | 0.8087% | 2,763 |
| Net loans and leases to total assets | 61.9896% | 3,567 |
| Net loans and leases to deposits | 70.5493% | 3,862 |
| Net loans and leases to core deposits | 80.5400% | 3,290 |
| Total domestic deposits to total assets | 87.8671% | 1,706 |
| Equity capital to assets | 10.5317% | 3,323 |
| Core capital (leverage) ratio | 10.5698% | 2,861 |
| Tier 1 risk-based capital ratio | 14.7681% | 3,292 |
| Total risk-based capital ratio | 16.0231% | 3,225 |
| Memoranda: | ||
| Average total assets | $132,848,000 | 3,834 |
| Average earning assets | $127,087,600 | 3,755 |
| Average equity | $14,368,200 | 3,927 |
| Average total loans | $84,245,600 | 3,717 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,749 |
| Cost of funding earning assets | 0.3903% | 3,323 |
| Net interest margin | 3.5081% | 3,505 |
| Noninterest income to average assets | 0.3510% | 4,432 |
| Noninterest expense to average assets | 2.7094% | 3,529 |
| Loan and lease loss provision to assets | -0.5521% | 6,220 |
| Net operating income to assets | 1.4991% | 922 |
| Return on assets (ROA) | 1.5116% | 941 |
| Pretax return on assets | 1.5699% | 1,476 |
| Return on Equity (ROE) | 13.8843% | 931 |
| Retained earnings to average equity (ytd only) | 10.1060% | 617 |
| Net charge-offs to loans | -1.0531% | 6,210 |
| Credit loss provision to net charge-offs | 82.5564% | 2,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4343% | 2,799 |
| Assets per employee ($millions) | 4.4925% | 3,022 |
| Cash dividends to net income (ytd only)* | 27.2123% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 1,192 |
| Loan loss allowance to noncurrent loans | 166.2116% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 3,157 |
| Noncurrent loans to loans | 1.1053% | 2,282 |
| Net loans and leases to total assets | 62.0622% | 3,598 |
| Net loans and leases to deposits | 71.9037% | 3,782 |
| Net loans and leases to core deposits | 81.1771% | 3,329 |
| Total domestic deposits to total assets | 86.3129% | 2,377 |
| Equity capital to assets | 11.8412% | 2,229 |
| Core capital (leverage) ratio | 11.2248% | 2,269 |
| Tier 1 risk-based capital ratio | 16.1932% | 2,718 |
| Total risk-based capital ratio | 17.4481% | 2,671 |
| Memoranda: | ||
| Average total assets | $132,570,500 | 3,885 |
| Average earning assets | $127,094,000 | 3,795 |
| Average equity | $14,433,250 | 3,960 |
| Average total loans | $84,191,750 | 3,752 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 3,850 |
| Cost of funding earning assets | 0.3819% | 3,460 |
| Net interest margin | 3.4721% | 3,612 |
| Noninterest income to average assets | 0.3338% | 4,569 |
| Noninterest expense to average assets | 2.6552% | 3,733 |
| Loan and lease loss provision to assets | -0.8144% | 6,313 |
| Net operating income to assets | 1.7845% | 533 |
| Return on assets (ROA) | 1.7845% | 559 |
| Pretax return on assets | 1.8512% | 814 |
| Return on Equity (ROE) | 16.8495% | 504 |
| Retained earnings to average equity (ytd only) | 11.7372% | 425 |
| Net charge-offs to loans | -1.5184% | 6,290 |
| Credit loss provision to net charge-offs | 84.3318% | 2,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3941% | 3,095 |
| Assets per employee ($millions) | 4.6147% | 2,809 |
| Cash dividends to net income (ytd only)* | 30.3408% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 1,655 |
| Loan loss allowance to noncurrent loans | 169.4379% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 3,507 |
| Noncurrent loans to loans | 0.9921% | 2,660 |
| Net loans and leases to total assets | 63.2413% | 3,382 |
| Net loans and leases to deposits | 72.2947% | 3,689 |
| Net loans and leases to core deposits | 82.5601% | 3,121 |
| Total domestic deposits to total assets | 87.4771% | 1,919 |
| Equity capital to assets | 10.8461% | 3,058 |
| Core capital (leverage) ratio | 10.5917% | 2,854 |
| Tier 1 risk-based capital ratio | 15.3875% | 3,167 |
| Total risk-based capital ratio | 16.6412% | 3,099 |
| Memoranda: | ||
| Average total assets | $134,830,670 | 3,881 |
| Average earning assets | $130,410,000 | 3,743 |
| Average equity | $14,279,330 | 4,005 |
| Average total loans | $85,746,000 | 3,738 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 3,930 |
| Cost of funding earning assets | 0.3731% | 3,615 |
| Net interest margin | 3.4464% | 3,637 |
| Noninterest income to average assets | 0.3222% | 4,612 |
| Noninterest expense to average assets | 2.6838% | 3,646 |
| Loan and lease loss provision to assets | -1.6227% | 6,402 |
| Net operating income to assets | 2.5448% | 141 |
| Return on assets (ROA) | 2.5448% | 153 |
| Pretax return on assets | 2.5921% | 210 |
| Return on Equity (ROE) | 24.3195% | 120 |
| Retained earnings to average equity (ytd only) | 15.4221% | 250 |
| Net charge-offs to loans | -3.0568% | 6,368 |
| Credit loss provision to net charge-offs | 83.9450% | 1,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9773% | 2,992 |
| Assets per employee ($millions) | 4.4161% | 3,179 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 1,768 |
| Loan loss allowance to noncurrent loans | 167.2434% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 3,538 |
| Noncurrent loans to loans | 1.0089% | 2,744 |
| Net loans and leases to total assets | 63.7715% | 3,119 |
| Net loans and leases to deposits | 72.9985% | 3,430 |
| Net loans and leases to core deposits | 81.6371% | 2,993 |
| Total domestic deposits to total assets | 87.3600% | 2,184 |
| Equity capital to assets | 10.9749% | 2,999 |
| Core capital (leverage) ratio | 10.5106% | 2,945 |
| Tier 1 risk-based capital ratio | 15.4075% | 3,194 |
| Total risk-based capital ratio | 16.6573% | 3,128 |
| Memoranda: | ||
| Average total assets | $135,332,500 | 3,895 |
| Average earning assets | $130,802,000 | 3,762 |
| Average equity | $14,161,500 | 4,050 |
| Average total loans | $85,578,500 | 3,758 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 3,988 |
| Cost of funding earning assets | 0.3927% | 3,760 |
| Net interest margin | 3.5442% | 3,623 |
| Noninterest income to average assets | 0.3003% | 4,975 |
| Noninterest expense to average assets | 2.9322% | 3,047 |
| Loan and lease loss provision to assets | 0.0340% | 3,908 |
| Net operating income to assets | 0.7016% | 3,883 |
| Return on assets (ROA) | 0.6892% | 4,060 |
| Pretax return on assets | 0.7141% | 4,569 |
| Return on Equity (ROE) | 6.5950% | 3,850 |
| Retained earnings to average equity (ytd only) | 1.1873% | 5,244 |
| Net charge-offs to loans | -0.0463% | 5,907 |
| Credit loss provision to net charge-offs | -115.3846% | 5,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8611% | 2,084 |
| Assets per employee ($millions) | 4.3182% | 3,332 |
| Cash dividends to net income (ytd only)* | 81.9978% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 2,161 |
| Loan loss allowance to noncurrent loans | 6,113.6364% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,988 |
| Noncurrent loans to loans | 0.0258% | 5,784 |
| Net loans and leases to total assets | 60.6994% | 3,691 |
| Net loans and leases to deposits | 68.5903% | 4,064 |
| Net loans and leases to core deposits | 75.0230% | 3,822 |
| Total domestic deposits to total assets | 88.4955% | 1,527 |
| Equity capital to assets | 9.9746% | 4,142 |
| Core capital (leverage) ratio | 9.9077% | 3,699 |
| Tier 1 risk-based capital ratio | 14.5419% | 3,750 |
| Total risk-based capital ratio | 15.7950% | 3,685 |
| Memoranda: | ||
| Average total assets | $132,188,600 | 3,938 |
| Average earning assets | $126,544,200 | 3,833 |
| Average equity | $13,813,400 | 4,055 |
| Average total loans | $84,145,400 | 3,764 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,838 |
| Cost of funding earning assets | 0.3980% | 3,810 |
| Net interest margin | 3.5812% | 3,501 |
| Noninterest income to average assets | 0.3826% | 4,380 |
| Noninterest expense to average assets | 2.8790% | 3,198 |
| Loan and lease loss provision to assets | 0.0459% | 3,469 |
| Net operating income to assets | 0.8432% | 3,217 |
| Return on assets (ROA) | 0.8264% | 3,395 |
| Pretax return on assets | 0.8549% | 4,161 |
| Return on Equity (ROE) | 7.8140% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.2994% | 2,217 |
| Net charge-offs to loans | 0.0064% | 4,480 |
| Credit loss provision to net charge-offs | 1,125.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 225.1351% | 291 |
| Efficiency ratio | 75.2821% | 2,622 |
| Assets per employee ($millions) | 4.1074% | 3,656 |
| Cash dividends to net income (ytd only)* | 19.3829% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 2,201 |
| Loan loss allowance to noncurrent loans | 829.2994% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 5,691 |
| Noncurrent loans to loans | 0.1964% | 5,317 |
| Net loans and leases to total assets | 59.8138% | 3,819 |
| Net loans and leases to deposits | 68.4695% | 4,083 |
| Net loans and leases to core deposits | 76.0733% | 3,732 |
| Total domestic deposits to total assets | 87.3583% | 2,117 |
| Equity capital to assets | 10.7754% | 3,211 |
| Core capital (leverage) ratio | 10.4854% | 3,062 |
| Tier 1 risk-based capital ratio | 15.9463% | 3,080 |
| Total risk-based capital ratio | 17.1988% | 3,028 |
| Memoranda: | ||
| Average total assets | $130,690,500 | 3,992 |
| Average earning assets | $124,611,250 | 3,902 |
| Average equity | $13,821,000 | 4,072 |
| Average total loans | $83,876,750 | 3,800 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 3,610 |
| Cost of funding earning assets | 0.4017% | 3,850 |
| Net interest margin | 3.6298% | 3,232 |
| Noninterest income to average assets | 0.3818% | 4,390 |
| Noninterest expense to average assets | 2.9178% | 3,106 |
| Loan and lease loss provision to assets | 0.0460% | 3,393 |
| Net operating income to assets | 0.8563% | 3,038 |
| Return on assets (ROA) | 0.8310% | 3,267 |
| Pretax return on assets | 0.8556% | 4,057 |
| Return on Equity (ROE) | 7.9084% | 3,150 |
| Retained earnings to average equity (ytd only) | 6.3763% | 2,102 |
| Net charge-offs to loans | 0.0211% | 3,789 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 67.2222% | 750 |
| Efficiency ratio | 75.8772% | 2,660 |
| Assets per employee ($millions) | 4.0043% | 3,826 |
| Cash dividends to net income (ytd only)* | 19.3727% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 2,812 |
| Loan loss allowance to noncurrent loans | 2,981.3953% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 6,105 |
| Noncurrent loans to loans | 0.0509% | 5,893 |
| Net loans and leases to total assets | 64.8803% | 2,926 |
| Net loans and leases to deposits | 74.3975% | 3,278 |
| Net loans and leases to core deposits | 81.2178% | 3,075 |
| Total domestic deposits to total assets | 87.2076% | 2,345 |
| Equity capital to assets | 10.9178% | 2,961 |
| Core capital (leverage) ratio | 10.0911% | 3,484 |
| Tier 1 risk-based capital ratio | 14.2004% | 4,130 |
| Total risk-based capital ratio | 15.4516% | 4,061 |
| Memoranda: | ||
| Average total assets | $130,441,330 | 4,025 |
| Average earning assets | $124,468,670 | 3,924 |
| Average equity | $13,707,000 | 4,100 |
| Average total loans | $85,195,670 | 3,787 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 4,104 |
| Cost of funding earning assets | 0.3974% | 4,001 |
| Net interest margin | 3.4975% | 3,705 |
| Noninterest income to average assets | 0.3648% | 4,475 |
| Noninterest expense to average assets | 2.8786% | 3,288 |
| Loan and lease loss provision to assets | 0.0456% | 3,186 |
| Net operating income to assets | 0.7776% | 3,263 |
| Return on assets (ROA) | 0.7265% | 3,641 |
| Pretax return on assets | 0.7326% | 4,376 |
| Return on Equity (ROE) | 7.0473% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.5730% | 2,757 |
| Net charge-offs to loans | -0.0187% | 5,322 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6230% | 2,532 |
| Assets per employee ($millions) | 4.1394% | 3,643 |
| Cash dividends to net income (ytd only)* | 20.9205% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 3,123 |
| Loan loss allowance to noncurrent loans | 123.4330% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 3,786 |
| Noncurrent loans to loans | 1.2203% | 3,006 |
| Net loans and leases to total assets | 63.1881% | 3,037 |
| Net loans and leases to deposits | 71.8681% | 3,356 |
| Net loans and leases to core deposits | 78.5272% | 3,144 |
| Total domestic deposits to total assets | 87.9224% | 2,276 |
| Equity capital to assets | 10.3050% | 3,462 |
| Core capital (leverage) ratio | 9.8780% | 3,748 |
| Tier 1 risk-based capital ratio | 14.6059% | 3,943 |
| Total risk-based capital ratio | 15.8573% | 3,893 |
| Memoranda: | ||
| Average total assets | $131,592,500 | 4,041 |
| Average earning assets | $125,805,000 | 3,927 |
| Average equity | $13,565,500 | 4,137 |
| Average total loans | $85,584,000 | 3,808 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 4,019 |
| Cost of funding earning assets | 0.4393% | 4,225 |
| Net interest margin | 3.5806% | 3,550 |
| Noninterest income to average assets | 0.4084% | 4,387 |
| Noninterest expense to average assets | 2.7951% | 3,742 |
| Loan and lease loss provision to assets | 0.1359% | 2,610 |
| Net operating income to assets | 0.8476% | 3,049 |
| Return on assets (ROA) | 0.8635% | 3,037 |
| Pretax return on assets | 0.9028% | 3,754 |
| Return on Equity (ROE) | 8.4029% | 2,827 |
| Retained earnings to average equity (ytd only) | 3.7534% | 3,545 |
| Net charge-offs to loans | -0.1541% | 6,567 |
| Credit loss provision to net charge-offs | -140.6250% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2252% | 3,257 |
| Assets per employee ($millions) | 4.2169% | 3,415 |
| Cash dividends to net income (ytd only)* | 55.3322% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 3,361 |
| Loan loss allowance to noncurrent loans | 106.4135% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 3,617 |
| Noncurrent loans to loans | 1.3749% | 2,839 |
| Net loans and leases to total assets | 64.9669% | 2,876 |
| Net loans and leases to deposits | 74.1386% | 3,237 |
| Net loans and leases to core deposits | 81.1264% | 2,993 |
| Total domestic deposits to total assets | 87.6290% | 2,406 |
| Equity capital to assets | 10.3125% | 3,385 |
| Core capital (leverage) ratio | 9.8893% | 3,720 |
| Tier 1 risk-based capital ratio | 14.1650% | 4,176 |
| Total risk-based capital ratio | 15.4160% | 4,124 |
| Memoranda: | ||
| Average total assets | $132,482,600 | 4,025 |
| Average earning assets | $126,122,800 | 3,924 |
| Average equity | $13,614,400 | 4,142 |
| Average total loans | $83,048,600 | 3,849 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 4,146 |
| Cost of funding earning assets | 0.4466% | 4,313 |
| Net interest margin | 3.5485% | 3,664 |
| Noninterest income to average assets | 0.3922% | 4,593 |
| Noninterest expense to average assets | 2.7554% | 3,811 |
| Loan and lease loss provision to assets | 0.1505% | 2,388 |
| Net operating income to assets | 0.8274% | 3,212 |
| Return on assets (ROA) | 0.8486% | 3,218 |
| Pretax return on assets | 0.8877% | 3,939 |
| Return on Equity (ROE) | 8.2649% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.2978% | 1,736 |
| Net charge-offs to loans | -0.0502% | 6,311 |
| Credit loss provision to net charge-offs | -483.8710% | 6,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0585% | 3,211 |
| Assets per employee ($millions) | 4.1179% | 3,601 |
| Cash dividends to net income (ytd only)* | 11.7024% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 3,906 |
| Loan loss allowance to noncurrent loans | 1,890.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 6,325 |
| Noncurrent loans to loans | 0.0739% | 6,116 |
| Net loans and leases to total assets | 62.6835% | 3,224 |
| Net loans and leases to deposits | 71.7927% | 3,536 |
| Net loans and leases to core deposits | 76.4274% | 3,575 |
| Total domestic deposits to total assets | 87.3118% | 2,501 |
| Equity capital to assets | 10.7627% | 2,999 |
| Core capital (leverage) ratio | 9.9555% | 3,733 |
| Tier 1 risk-based capital ratio | 15.2638% | 3,586 |
| Total risk-based capital ratio | 16.5093% | 3,544 |
| Memoranda: | ||
| Average total assets | $132,922,000 | 4,056 |
| Average earning assets | $126,585,250 | 3,948 |
| Average equity | $13,647,750 | 4,187 |
| Average total loans | $82,263,500 | 3,902 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 4,112 |
| Cost of funding earning assets | 0.4536% | 4,392 |
| Net interest margin | 3.5461% | 3,580 |
| Noninterest income to average assets | 0.3787% | 4,681 |
| Noninterest expense to average assets | 2.6968% | 4,045 |
| Loan and lease loss provision to assets | 0.1782% | 2,130 |
| Net operating income to assets | 0.8319% | 3,140 |
| Return on assets (ROA) | 0.8390% | 3,260 |
| Pretax return on assets | 0.8776% | 3,993 |
| Return on Equity (ROE) | 8.2982% | 2,944 |
| Retained earnings to average equity (ytd only) | 6.8442% | 1,957 |
| Net charge-offs to loans | -0.0290% | 6,091 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0063% | 3,465 |
| Assets per employee ($millions) | 4.2712% | 3,224 |
| Cash dividends to net income (ytd only)* | 17.5221% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 4,524 |
| Loan loss allowance to noncurrent loans | 1,466.2162% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 6,338 |
| Noncurrent loans to loans | 0.0884% | 6,131 |
| Net loans and leases to total assets | 62.3716% | 3,225 |
| Net loans and leases to deposits | 70.9036% | 3,599 |
| Net loans and leases to core deposits | 74.3179% | 3,759 |
| Total domestic deposits to total assets | 87.9667% | 2,270 |
| Equity capital to assets | 10.2471% | 3,596 |
| Core capital (leverage) ratio | 9.7215% | 3,904 |
| Tier 1 risk-based capital ratio | 14.6901% | 3,977 |
| Total risk-based capital ratio | 15.9040% | 3,960 |
| Memoranda: | ||
| Average total assets | $134,678,000 | 4,052 |
| Average earning assets | $127,857,670 | 3,948 |
| Average equity | $13,617,330 | 4,222 |
| Average total loans | $82,634,000 | 3,910 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 4,342 |
| Cost of funding earning assets | 0.4793% | 4,283 |
| Net interest margin | 3.4573% | 3,868 |
| Noninterest income to average assets | 0.3770% | 4,652 |
| Noninterest expense to average assets | 2.6949% | 4,084 |
| Loan and lease loss provision to assets | 0.1767% | 2,098 |
| Net operating income to assets | 0.7634% | 3,364 |
| Return on assets (ROA) | 0.7775% | 3,430 |
| Pretax return on assets | 0.8129% | 4,123 |
| Return on Equity (ROE) | 7.7408% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.3041% | 2,506 |
| Net charge-offs to loans | 0.0487% | 3,349 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 33.1000% | 910 |
| Efficiency ratio | 73.4350% | 3,364 |
| Assets per employee ($millions) | 4.4343% | 3,089 |
| Cash dividends to net income (ytd only)* | 18.5606% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 4,944 |
| Loan loss allowance to noncurrent loans | 1,892.4528% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 6,380 |
| Noncurrent loans to loans | 0.0661% | 6,282 |
| Net loans and leases to total assets | 59.5317% | 3,511 |
| Net loans and leases to deposits | 67.7222% | 3,799 |
| Net loans and leases to core deposits | 69.7151% | 4,119 |
| Total domestic deposits to total assets | 87.9057% | 2,380 |
| Equity capital to assets | 10.2969% | 3,802 |
| Core capital (leverage) ratio | 9.2893% | 4,417 |
| Tier 1 risk-based capital ratio | 14.7440% | 4,000 |
| Total risk-based capital ratio | 15.8929% | 4,038 |
| Memoranda: | ||
| Average total assets | $135,813,000 | 4,068 |
| Average earning assets | $129,350,000 | 3,955 |
| Average equity | $13,642,000 | 4,259 |
| Average total loans | $82,116,000 | 3,957 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 832 |
| Cost of funding earning assets | 0.7134% | 3,378 |
| Net interest margin | 4.6333% | 737 |
| Noninterest income to average assets | 0.6853% | 2,799 |
| Noninterest expense to average assets | 4.0377% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9284% | 2,661 |
| Return on assets (ROA) | 0.9343% | 2,870 |
| Pretax return on assets | 0.9775% | 3,629 |
| Return on Equity (ROE) | 9.3050% | 2,482 |
| Retained earnings to average equity (ytd only) | 4.2221% | 3,256 |
| Net charge-offs to loans | -0.0258% | 6,591 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6081% | 2,066 |
| Assets per employee ($millions) | 4.6199% | 2,748 |
| Cash dividends to net income (ytd only)* | 54.6256% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,418 |
| Loan loss allowance to noncurrent loans | 599.3711% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 6,241 |
| Noncurrent loans to loans | 0.1892% | 5,997 |
| Net loans and leases to total assets | 59.9447% | 3,613 |
| Net loans and leases to deposits | 67.9527% | 3,993 |
| Net loans and leases to core deposits | 71.3577% | 4,123 |
| Total domestic deposits to total assets | 88.2154% | 2,087 |
| Equity capital to assets | 9.8026% | 4,445 |
| Core capital (leverage) ratio | 9.5493% | 4,036 |
| Tier 1 risk-based capital ratio | 13.8806% | 4,463 |
| Total risk-based capital ratio | 14.9282% | 4,570 |
| Memoranda: | ||
| Average total assets | $97,184,000 | 4,907 |
| Average earning assets | $90,691,800 | 4,851 |
| Average equity | $9,758,200 | 5,041 |
| Average total loans | $54,331,400 | 4,923 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8442% | 371 |
| Cost of funding earning assets | 0.8045% | 2,903 |
| Net interest margin | 5.0397% | 378 |
| Noninterest income to average assets | 0.8061% | 2,212 |
| Noninterest expense to average assets | 4.4760% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9981% | 2,517 |
| Return on assets (ROA) | 0.9981% | 2,741 |
| Pretax return on assets | 1.0242% | 3,621 |
| Return on Equity (ROE) | 9.8469% | 2,418 |
| Retained earnings to average equity (ytd only) | 6.8777% | 2,191 |
| Net charge-offs to loans | -0.0512% | 6,716 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3791% | 1,889 |
| Assets per employee ($millions) | 3.9790% | 3,913 |
| Cash dividends to net income (ytd only)* | 30.1540% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 5,013 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,533 |
| Noncurrent loans to loans | 0.0434% | 6,510 |
| Net loans and leases to total assets | 57.2227% | 4,258 |
| Net loans and leases to deposits | 66.2949% | 4,434 |
| Net loans and leases to core deposits | 70.0535% | 4,492 |
| Total domestic deposits to total assets | 86.3154% | 3,077 |
| Equity capital to assets | 10.5713% | 3,766 |
| Core capital (leverage) ratio | 9.3951% | 4,437 |
| Tier 1 risk-based capital ratio | 14.9908% | 3,855 |
| Total risk-based capital ratio | 16.1232% | 3,894 |
| Memoranda: | ||
| Average total assets | $86,831,000 | 5,215 |
| Average earning assets | $80,876,500 | 5,150 |
| Average equity | $8,801,250 | 5,326 |
| Average total loans | $46,905,750 | 5,273 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8513% | 95 |
| Cost of funding earning assets | 0.9521% | 2,051 |
| Net interest margin | 5.8992% | 99 |
| Noninterest income to average assets | 0.9971% | 1,473 |
| Noninterest expense to average assets | 5.3218% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0999% | 2,047 |
| Return on assets (ROA) | 1.0999% | 2,272 |
| Pretax return on assets | 1.1138% | 3,258 |
| Return on Equity (ROE) | 11.1424% | 1,940 |
| Retained earnings to average equity (ytd only) | 5.6275% | 2,910 |
| Net charge-offs to loans | -0.0753% | 6,787 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6931% | 1,789 |
| Assets per employee ($millions) | 4.0232% | 3,824 |
| Cash dividends to net income (ytd only)* | 49.4949% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,742 |
| Loan loss allowance to noncurrent loans | 3,074.1935% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 6,503 |
| Noncurrent loans to loans | 0.0433% | 6,568 |
| Net loans and leases to total assets | 53.2256% | 4,930 |
| Net loans and leases to deposits | 60.7129% | 5,170 |
| Net loans and leases to core deposits | 63.2564% | 5,280 |
| Total domestic deposits to total assets | 87.6677% | 2,355 |
| Equity capital to assets | 10.1518% | 4,119 |
| Core capital (leverage) ratio | 9.3556% | 4,361 |
| Tier 1 risk-based capital ratio | 13.7052% | 4,659 |
| Total risk-based capital ratio | 14.7573% | 4,775 |
| Memoranda: | ||
| Average total assets | $72,005,330 | 5,668 |
| Average earning assets | $66,381,330 | 5,633 |
| Average equity | $7,108,000 | 5,820 |
| Average total loans | $37,176,000 | 5,725 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4025% | 6,809 |
| Cost of funding earning assets | 0.6440% | 4,786 |
| Net interest margin | 2.7585% | 6,702 |
| Noninterest income to average assets | 0.5285% | 3,707 |
| Noninterest expense to average assets | 3.3825% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3844% | 6,761 |
| Return on assets (ROA) | -0.3844% | 6,799 |
| Pretax return on assets | -0.3844% | 6,775 |
| Return on Equity (ROE) | -4.0785% | 6,816 |
| Retained earnings to average equity (ytd only) | -8.1570% | 6,768 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8205% | 305 |
| Assets per employee ($millions) | 4.8507% | 2,450 |
| Cash dividends to net income (ytd only)* | -100.0000% | 7,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 6,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 44.7270% | 5,927 |
| Net loans and leases to deposits | 53.1421% | 5,893 |
| Net loans and leases to core deposits | 55.3286% | 5,962 |
| Total domestic deposits to total assets | 84.1648% | 4,415 |
| Equity capital to assets | 8.9381% | 5,588 |
| Core capital (leverage) ratio | 9.9593% | 3,410 |
| Tier 1 risk-based capital ratio | 16.3134% | 3,011 |
| Total risk-based capital ratio | 17.0460% | 3,257 |
| Memoranda: | ||
| Average total assets | $41,625,500 | 6,619 |
| Average earning assets | $37,267,000 | 6,631 |
| Average equity | $3,923,000 | 6,743 |
| Average total loans | $19,955,000 | 6,616 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 6,299 |
| Cost of funding earning assets | 0.7913% | 4,928 |
| Net interest margin | 3.2981% | 5,806 |
| Noninterest income to average assets | 0.3900% | 4,701 |
| Noninterest expense to average assets | 2.7879% | 4,392 |
| Loan and lease loss provision to assets | 0.2139% | 4,051 |
| Net operating income to assets | 0.4933% | 4,457 |
| Return on assets (ROA) | 1.1600% | 1,746 |
| Pretax return on assets | 1.2078% | 2,437 |
| Return on Equity (ROE) | 12.5340% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.5340% | 262 |
| Net charge-offs to loans | 1.0371% | 1,675 |
| Credit loss provision to net charge-offs | 39.7196% | 5,629 |
| Earnings coverage of net charge-offs (x) | 1.3505% | 4,757 |
| Efficiency ratio | 79.3128% | 2,401 |
| Assets per employee ($millions) | 4.3994% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 6,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 50.5342% | 5,525 |
| Net loans and leases to deposits | 59.2456% | 5,570 |
| Net loans and leases to core deposits | 61.9071% | 5,662 |
| Total domestic deposits to total assets | 85.2961% | 3,692 |
| Equity capital to assets | 9.9609% | 4,211 |
| Core capital (leverage) ratio | 10.4974% | 2,734 |
| Tier 1 risk-based capital ratio | 17.4693% | 2,394 |
| Total risk-based capital ratio | 18.2432% | 2,564 |
| Memoranda: | ||
| Average total assets | $39,743,000 | 6,687 |
| Average earning assets | $37,657,800 | 6,618 |
| Average equity | $3,678,000 | 6,834 |
| Average total loans | $20,633,800 | 6,630 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 6,373 |
| Cost of funding earning assets | 0.8355% | 4,898 |
| Net interest margin | 3.2815% | 5,913 |
| Noninterest income to average assets | 0.3854% | 4,767 |
| Noninterest expense to average assets | 2.8020% | 4,337 |
| Loan and lease loss provision to assets | 0.2849% | 3,240 |
| Net operating income to assets | 0.3758% | 5,100 |
| Return on assets (ROA) | 0.3854% | 5,247 |
| Pretax return on assets | 0.4022% | 5,463 |
| Return on Equity (ROE) | 4.2456% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.2456% | 3,707 |
| Net charge-offs to loans | 1.3755% | 1,101 |
| Credit loss provision to net charge-offs | 39.7196% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.9439% | 4,912 |
| Efficiency ratio | 80.5395% | 2,180 |
| Assets per employee ($millions) | 4.5877% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 45.0871% | 6,237 |
| Net loans and leases to deposits | 53.2982% | 6,269 |
| Net loans and leases to core deposits | 55.6083% | 6,343 |
| Total domestic deposits to total assets | 84.5940% | 3,966 |
| Equity capital to assets | 9.4989% | 5,090 |
| Core capital (leverage) ratio | 9.5618% | 4,054 |
| Tier 1 risk-based capital ratio | 14.7880% | 3,784 |
| Total risk-based capital ratio | 15.5010% | 4,127 |
| Memoranda: | ||
| Average total assets | $39,780,000 | 6,737 |
| Average earning assets | $37,502,000 | 6,682 |
| Average equity | $3,611,500 | 6,908 |
| Average total loans | $20,743,000 | 6,687 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 6,484 |
| Cost of funding earning assets | 0.8593% | 4,987 |
| Net interest margin | 3.2461% | 6,011 |
| Noninterest income to average assets | 0.4125% | 4,570 |
| Noninterest expense to average assets | 2.8719% | 4,138 |
| Loan and lease loss provision to assets | 0.3819% | 2,507 |
| Net operating income to assets | 0.2654% | 5,497 |
| Return on assets (ROA) | 0.2801% | 5,580 |
| Pretax return on assets | 0.2902% | 5,694 |
| Return on Equity (ROE) | 3.1357% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.1357% | 4,279 |
| Net charge-offs to loans | 1.9916% | 677 |
| Credit loss provision to net charge-offs | 35.2113% | 4,904 |
| Earnings coverage of net charge-offs (x) | 0.6056% | 4,843 |
| Efficiency ratio | 81.3853% | 2,189 |
| Assets per employee ($millions) | 4.4928% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 6,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 49.0689% | 5,941 |
| Net loans and leases to deposits | 57.5418% | 5,987 |
| Net loans and leases to core deposits | 60.0678% | 6,085 |
| Total domestic deposits to total assets | 85.2751% | 3,736 |
| Equity capital to assets | 9.4572% | 4,878 |
| Core capital (leverage) ratio | 9.9084% | 3,378 |
| Tier 1 risk-based capital ratio | 15.5940% | 3,188 |
| Total risk-based capital ratio | 16.3172% | 3,427 |
| Memoranda: | ||
| Average total assets | $39,277,000 | 6,814 |
| Average earning assets | $37,706,330 | 6,728 |
| Average equity | $3,508,000 | 6,979 |
| Average total loans | $21,389,330 | 6,728 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 6,068 |
| Cost of funding earning assets | 0.8989% | 4,929 |
| Net interest margin | 3.3791% | 5,506 |
| Noninterest income to average assets | 0.3618% | 5,020 |
| Noninterest expense to average assets | 2.8839% | 4,132 |
| Loan and lease loss provision to assets | 0.4651% | 1,897 |
| Net operating income to assets | 0.2274% | 5,693 |
| Return on assets (ROA) | 0.2274% | 5,760 |
| Pretax return on assets | 0.2377% | 5,841 |
| Return on Equity (ROE) | 2.6269% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.6269% | 4,594 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4035% | 2,450 |
| Assets per employee ($millions) | 4.5197% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 3,543 |
| Loan loss allowance to noncurrent loans | 300.8333% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 6,459 |
| Noncurrent loans to loans | 0.5472% | 5,933 |
| Net loans and leases to total assets | 53.0226% | 5,444 |
| Net loans and leases to deposits | 61.6369% | 5,555 |
| Net loans and leases to core deposits | 65.5722% | 5,558 |
| Total domestic deposits to total assets | 86.0240% | 3,519 |
| Equity capital to assets | 8.8232% | 5,458 |
| Core capital (leverage) ratio | 9.7617% | 3,427 |
| Tier 1 risk-based capital ratio | 14.4991% | 3,740 |
| Total risk-based capital ratio | 15.7871% | 3,677 |
| Memoranda: | ||
| Average total assets | $38,698,000 | 6,880 |
| Average earning assets | $36,933,000 | 6,810 |
| Average equity | $3,350,000 | 7,062 |
| Average total loans | $22,074,500 | 6,735 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 5,688 |
| Cost of funding earning assets | 1.2413% | 4,274 |
| Net interest margin | 3.4892% | 5,285 |
| Noninterest income to average assets | 0.4533% | 4,490 |
| Noninterest expense to average assets | 2.9126% | 4,172 |
| Loan and lease loss provision to assets | 0.9293% | 1,753 |
| Net operating income to assets | -0.0576% | 5,939 |
| Return on assets (ROA) | 0.1247% | 5,668 |
| Pretax return on assets | 0.1303% | 5,641 |
| Return on Equity (ROE) | 1.3011% | 5,623 |
| Retained earnings to average equity (ytd only) | 1.3011% | 4,897 |
| Net charge-offs to loans | 1.2578% | 1,783 |
| Credit loss provision to net charge-offs | 113.8889% | 3,815 |
| Earnings coverage of net charge-offs (x) | 1.0660% | 5,044 |
| Efficiency ratio | 77.0037% | 2,871 |
| Assets per employee ($millions) | 4.0799% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 4,415 |
| Loan loss allowance to noncurrent loans | 263.3333% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 6,430 |
| Noncurrent loans to loans | 0.5401% | 5,971 |
| Net loans and leases to total assets | 59.6530% | 4,736 |
| Net loans and leases to deposits | 70.4626% | 4,758 |
| Net loans and leases to core deposits | 76.3685% | 4,650 |
| Total domestic deposits to total assets | 84.6592% | 4,025 |
| Equity capital to assets | 8.4725% | 5,891 |
| Core capital (leverage) ratio | 10.4992% | 2,558 |
| Tier 1 risk-based capital ratio | 14.9082% | 3,303 |
| Total risk-based capital ratio | 16.1532% | 3,261 |
| Memoranda: | ||
| Average total assets | $35,294,600 | 7,032 |
| Average earning assets | $33,675,600 | 6,956 |
| Average equity | $3,381,800 | 7,167 |
| Average total loans | $22,897,600 | 6,782 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 5,679 |
| Cost of funding earning assets | 1.2957% | 4,240 |
| Net interest margin | 3.4993% | 5,293 |
| Noninterest income to average assets | 0.4312% | 4,708 |
| Noninterest expense to average assets | 3.0033% | 3,731 |
| Loan and lease loss provision to assets | 1.1486% | 1,266 |
| Net operating income to assets | -0.3657% | 6,481 |
| Return on assets (ROA) | -0.1679% | 6,354 |
| Pretax return on assets | -0.1756% | 6,298 |
| Return on Equity (ROE) | -1.7008% | 6,363 |
| Retained earnings to average equity (ytd only) | -1.7008% | 6,136 |
| Net charge-offs to loans | 1.5086% | 1,330 |
| Credit loss provision to net charge-offs | 115.3257% | 3,620 |
| Earnings coverage of net charge-offs (x) | 0.7701% | 5,293 |
| Efficiency ratio | 79.6559% | 2,397 |
| Assets per employee ($millions) | 3.9071% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 4,076 |
| Loan loss allowance to noncurrent loans | 228.9855% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 6,437 |
| Noncurrent loans to loans | 0.6440% | 5,919 |
| Net loans and leases to total assets | 60.0387% | 4,905 |
| Net loans and leases to deposits | 72.3534% | 4,784 |
| Net loans and leases to core deposits | 76.5566% | 4,987 |
| Total domestic deposits to total assets | 82.9798% | 4,596 |
| Equity capital to assets | 10.8577% | 3,104 |
| Core capital (leverage) ratio | 10.8565% | 2,363 |
| Tier 1 risk-based capital ratio | 15.0896% | 3,206 |
| Total risk-based capital ratio | 16.3801% | 3,171 |
| Memoranda: | ||
| Average total assets | $34,938,500 | 7,131 |
| Average earning assets | $33,339,000 | 7,052 |
| Average equity | $3,449,500 | 7,241 |
| Average total loans | $23,067,000 | 6,858 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 5,404 |
| Cost of funding earning assets | 1.3551% | 4,160 |
| Net interest margin | 3.5414% | 5,084 |
| Noninterest income to average assets | 0.4704% | 4,351 |
| Noninterest expense to average assets | 2.9659% | 3,832 |
| Loan and lease loss provision to assets | 1.1531% | 1,240 |
| Net operating income to assets | -0.2754% | 6,446 |
| Return on assets (ROA) | -0.0516% | 6,245 |
| Pretax return on assets | -0.0516% | 6,202 |
| Return on Equity (ROE) | -0.5411% | 6,262 |
| Retained earnings to average equity (ytd only) | -0.5411% | 5,857 |
| Net charge-offs to loans | 0.0508% | 5,675 |
| Credit loss provision to net charge-offs | 3,350.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,034 |
| Efficiency ratio | 77.1642% | 2,866 |
| Assets per employee ($millions) | 3.8692% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 2,074 |
| Loan loss allowance to noncurrent loans | 119.8473% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 4,880 |
| Noncurrent loans to loans | 1.7085% | 4,126 |
| Net loans and leases to total assets | 64.7015% | 4,107 |
| Net loans and leases to deposits | 78.2326% | 3,926 |
| Net loans and leases to core deposits | 82.8498% | 4,305 |
| Total domestic deposits to total assets | 82.7040% | 4,692 |
| Equity capital to assets | 9.7981% | 4,267 |
| Core capital (leverage) ratio | 11.2931% | 2,037 |
| Tier 1 risk-based capital ratio | 14.7676% | 3,277 |
| Total risk-based capital ratio | 16.0266% | 3,245 |
| Memoranda: | ||
| Average total assets | $34,863,330 | 7,183 |
| Average earning assets | $33,207,330 | 7,103 |
| Average equity | $3,326,670 | 7,319 |
| Average total loans | $23,613,330 | 6,884 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 5,700 |
| Cost of funding earning assets | 1.4202% | 4,046 |
| Net interest margin | 3.4253% | 5,479 |
| Noninterest income to average assets | 0.4128% | 4,784 |
| Noninterest expense to average assets | 2.9928% | 3,707 |
| Loan and lease loss provision to assets | 1.0320% | 1,201 |
| Net operating income to assets | -0.3211% | 6,686 |
| Return on assets (ROA) | -0.1261% | 6,537 |
| Pretax return on assets | -0.1261% | 6,489 |
| Return on Equity (ROE) | -1.3398% | 6,562 |
| Retained earnings to average equity (ytd only) | -1.3398% | 6,101 |
| Net charge-offs to loans | 0.0669% | 4,739 |
| Credit loss provision to net charge-offs | 2,250.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,379 |
| Efficiency ratio | 80.8050% | 2,437 |
| Assets per employee ($millions) | 4.3506% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 3,666 |
| Loan loss allowance to noncurrent loans | 84.3823% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.2326% | 4,711 |
| Noncurrent loans to loans | 1.8362% | 4,017 |
| Net loans and leases to total assets | 66.0882% | 3,832 |
| Net loans and leases to deposits | 79.6220% | 3,723 |
| Net loans and leases to core deposits | 83.5404% | 4,265 |
| Total domestic deposits to total assets | 83.0024% | 4,627 |
| Equity capital to assets | 9.6337% | 4,327 |
| Core capital (leverage) ratio | 10.4306% | 2,691 |
| Tier 1 risk-based capital ratio | 13.9688% | 3,672 |
| Total risk-based capital ratio | 15.2203% | 3,636 |
| Memoranda: | ||
| Average total assets | $34,883,500 | 7,276 |
| Average earning assets | $33,515,500 | 7,183 |
| Average equity | $3,284,000 | 7,406 |
| Average total loans | $23,919,000 | 6,950 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0269% | 6,345 |
| Cost of funding earning assets | 1.6291% | 4,893 |
| Net interest margin | 3.3978% | 5,378 |
| Noninterest income to average assets | 0.4218% | 5,038 |
| Noninterest expense to average assets | 2.8731% | 4,644 |
| Loan and lease loss provision to assets | 0.7582% | 2,837 |
| Net operating income to assets | 0.0741% | 5,282 |
| Return on assets (ROA) | 0.2109% | 4,928 |
| Pretax return on assets | 0.1910% | 5,027 |
| Return on Equity (ROE) | 1.9964% | 4,904 |
| Retained earnings to average equity (ytd only) | 0.2698% | 4,760 |
| Net charge-offs to loans | 0.8268% | 2,759 |
| Credit loss provision to net charge-offs | 130.3922% | 3,910 |
| Earnings coverage of net charge-offs (x) | 1.3971% | 4,739 |
| Efficiency ratio | 77.9582% | 3,200 |
| Assets per employee ($millions) | 4.3703% | 3,163 |
| Cash dividends to net income (ytd only)* | 86.4865% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,760 |
| Loan loss allowance to noncurrent loans | 71.8750% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 4,897 |
| Noncurrent loans to loans | 1.5690% | 4,297 |
| Net loans and leases to total assets | 69.2123% | 3,432 |
| Net loans and leases to deposits | 83.1832% | 3,424 |
| Net loans and leases to core deposits | 105.4793% | 3,399 |
| Total domestic deposits to total assets | 83.2046% | 4,422 |
| Equity capital to assets | 9.1957% | 4,849 |
| Core capital (leverage) ratio | 10.3202% | 2,770 |
| Tier 1 risk-based capital ratio | 13.4987% | 3,819 |
| Total risk-based capital ratio | 14.4951% | 3,930 |
| Memoranda: | ||
| Average total assets | $35,083,600 | 7,276 |
| Average earning assets | $33,698,600 | 7,199 |
| Average equity | $3,706,600 | 7,384 |
| Average total loans | $24,673,200 | 6,934 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0538% | 6,438 |
| Cost of funding earning assets | 1.6688% | 5,066 |
| Net interest margin | 3.3850% | 5,335 |
| Noninterest income to average assets | 0.4367% | 4,985 |
| Noninterest expense to average assets | 2.9161% | 4,380 |
| Loan and lease loss provision to assets | 0.4594% | 3,614 |
| Net operating income to assets | 0.3304% | 4,677 |
| Return on assets (ROA) | 0.4253% | 4,404 |
| Pretax return on assets | 0.4063% | 4,789 |
| Return on Equity (ROE) | 3.8995% | 4,416 |
| Retained earnings to average equity (ytd only) | 1.6712% | 4,375 |
| Net charge-offs to loans | -0.0162% | 7,739 |
| Credit loss provision to net charge-offs | -4,033.3333% | 7,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0937% | 2,979 |
| Assets per employee ($millions) | 4.3900% | 3,054 |
| Cash dividends to net income (ytd only)* | 57.1419% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,026 |
| Loan loss allowance to noncurrent loans | 57.3854% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.6771% | 3,861 |
| Noncurrent loans to loans | 2.4133% | 3,122 |
| Net loans and leases to total assets | 68.5308% | 3,842 |
| Net loans and leases to deposits | 83.0389% | 3,822 |
| Net loans and leases to core deposits | 103.8264% | 3,961 |
| Total domestic deposits to total assets | 82.5285% | 4,431 |
| Equity capital to assets | 9.6213% | 4,596 |
| Core capital (leverage) ratio | 10.4041% | 2,878 |
| Tier 1 risk-based capital ratio | 13.6024% | 3,775 |
| Total risk-based capital ratio | 14.8180% | 3,736 |
| Memoranda: | ||
| Average total assets | $35,114,000 | 7,330 |
| Average earning assets | $33,716,250 | 7,261 |
| Average equity | $3,829,500 | 7,405 |
| Average total loans | $24,723,000 | 6,994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1025% | 6,426 |
| Cost of funding earning assets | 1.6929% | 5,308 |
| Net interest margin | 3.4096% | 5,127 |
| Noninterest income to average assets | 0.4443% | 4,898 |
| Noninterest expense to average assets | 2.8822% | 4,571 |
| Loan and lease loss provision to assets | 0.2335% | 4,721 |
| Net operating income to assets | 0.6266% | 3,560 |
| Return on assets (ROA) | 0.6266% | 3,666 |
| Pretax return on assets | 0.5981% | 4,328 |
| Return on Equity (ROE) | 5.5281% | 3,849 |
| Retained earnings to average equity (ytd only) | 2.3117% | 4,051 |
| Net charge-offs to loans | 0.0081% | 6,469 |
| Credit loss provision to net charge-offs | 4,100.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 276 |
| Efficiency ratio | 77.6074% | 3,404 |
| Assets per employee ($millions) | 4.5129% | 2,753 |
| Cash dividends to net income (ytd only)* | 58.1818% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 6,059 |
| Loan loss allowance to noncurrent loans | 43.4188% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.6204% | 3,782 |
| Noncurrent loans to loans | 2.3566% | 3,074 |
| Net loans and leases to total assets | 68.0553% | 4,143 |
| Net loans and leases to deposits | 82.1409% | 4,204 |
| Net loans and leases to core deposits | 103.0794% | 4,171 |
| Total domestic deposits to total assets | 82.8518% | 4,307 |
| Equity capital to assets | 11.0268% | 2,896 |
| Core capital (leverage) ratio | 10.7248% | 2,635 |
| Tier 1 risk-based capital ratio | 13.6337% | 3,735 |
| Total risk-based capital ratio | 14.5494% | 3,859 |
| Memoranda: | ||
| Average total assets | $35,112,000 | 7,403 |
| Average earning assets | $33,670,000 | 7,332 |
| Average equity | $3,979,670 | 7,425 |
| Average total loans | $24,828,670 | 7,041 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 6,137 |
| Cost of funding earning assets | 1.6999% | 5,600 |
| Net interest margin | 3.5444% | 4,548 |
| Noninterest income to average assets | 0.4044% | 5,180 |
| Noninterest expense to average assets | 2.8541% | 4,323 |
| Loan and lease loss provision to assets | 0.1733% | 4,729 |
| Net operating income to assets | 0.8435% | 2,939 |
| Return on assets (ROA) | 0.8435% | 3,084 |
| Pretax return on assets | 0.7742% | 4,175 |
| Return on Equity (ROE) | 7.3385% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.1216% | 3,608 |
| Net charge-offs to loans | 0.0644% | 4,563 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,369 |
| Efficiency ratio | 75.0760% | 3,649 |
| Assets per employee ($millions) | 4.3740% | 2,930 |
| Cash dividends to net income (ytd only)* | 43.8356% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 6,778 |
| Loan loss allowance to noncurrent loans | 19.5143% | 7,192 |
| Noncurrent assets plus other real estate owned to assets | 3.2950% | 1,666 |
| Noncurrent loans to loans | 4.5783% | 1,243 |
| Net loans and leases to total assets | 71.3277% | 3,395 |
| Net loans and leases to deposits | 86.4591% | 3,556 |
| Net loans and leases to core deposits | 109.3973% | 3,510 |
| Total domestic deposits to total assets | 82.4989% | 4,372 |
| Equity capital to assets | 11.3683% | 2,678 |
| Core capital (leverage) ratio | 10.7984% | 2,655 |
| Tier 1 risk-based capital ratio | 13.5147% | 3,852 |
| Total risk-based capital ratio | 14.3200% | 4,058 |
| Memoranda: | ||
| Average total assets | $34,616,500 | 7,466 |
| Average earning assets | $33,179,000 | 7,400 |
| Average equity | $3,979,000 | 7,464 |
| Average total loans | $24,831,000 | 7,078 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8100% | 6,393 |
| Cost of funding earning assets | 2.1981% | 5,608 |
| Net interest margin | 3.6119% | 4,831 |
| Noninterest income to average assets | 0.4880% | 4,712 |
| Noninterest expense to average assets | 2.9281% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9527% | 2,778 |
| Return on assets (ROA) | 1.1295% | 1,951 |
| Pretax return on assets | 1.1786% | 2,729 |
| Return on Equity (ROE) | 9.5764% | 2,409 |
| Retained earnings to average equity (ytd only) | -0.0520% | 5,277 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6479% | 3,469 |
| Assets per employee ($millions) | 3.8046% | 3,946 |
| Cash dividends to net income (ytd only)* | 100.5435% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 6,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.8624% | 3,823 |
| Net loans and leases to deposits | 86.2107% | 4,087 |
| Net loans and leases to core deposits | 103.4095% | 4,454 |
| Total domestic deposits to total assets | 82.1968% | 4,123 |
| Equity capital to assets | 11.6235% | 2,553 |
| Core capital (leverage) ratio | 10.8351% | 2,720 |
| Tier 1 risk-based capital ratio | 13.7088% | 3,690 |
| Total risk-based capital ratio | 14.4945% | 3,882 |
| Memoranda: | ||
| Average total assets | $32,581,000 | 7,529 |
| Average earning assets | $30,981,000 | 7,463 |
| Average equity | $3,842,800 | 7,564 |
| Average total loans | $23,354,400 | 7,119 |