Home > Independence Bank > Performance and Condition Ratios
Independence 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 | 5.1251% | 1,809 |
| Cost of funding earning assets | 0.0409% | 4,503 |
| Net interest margin | 5.0842% | 285 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 9.7535% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -5.2526% | 4,591 |
| Return on assets (ROA) | -5.2526% | 4,589 |
| Pretax return on assets | -4.2811% | 4,584 |
| Return on Equity (ROE) | -7.7700% | 4,488 |
| Retained earnings to average equity (ytd only) | -7.7699% | 4,439 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 178.2305% | 21 |
| Assets per employee ($millions) | 2.2019% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 92.0387% | 70 |
| Core capital (leverage) ratio | 77.9791% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $31,394,000 | 4,456 |
| Average earning assets | $29,365,200 | 4,420 |
| Average equity | $21,222,800 | 2,757 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 2,205 |
| Cost of funding earning assets | 0.0465% | 4,527 |
| Net interest margin | 4.7836% | 419 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 9.8325% | 113 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -3.5370% | 4,609 |
| Return on assets (ROA) | -3.5370% | 4,608 |
| Pretax return on assets | -4.7582% | 4,613 |
| Return on Equity (ROE) | -5.5600% | 4,506 |
| Retained earnings to average equity (ytd only) | -5.5601% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 193.7695% | 21 |
| Assets per employee ($millions) | 2.3630% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 19.6400% | 4,531 |
| Equity capital to assets | 74.1289% | 114 |
| Core capital (leverage) ratio | 71.8559% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $33,737,750 | 4,463 |
| Average earning assets | $31,523,750 | 4,429 |
| Average equity | $21,462,000 | 2,724 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 1,964 |
| Cost of funding earning assets | 0.0600% | 4,544 |
| Net interest margin | 4.7553% | 425 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 9.6815% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -3.3322% | 4,638 |
| Return on assets (ROA) | -3.3322% | 4,638 |
| Pretax return on assets | -4.4749% | 4,641 |
| Return on Equity (ROE) | -5.4800% | 4,550 |
| Retained earnings to average equity (ytd only) | -5.4791% | 4,437 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 185.9459% | 23 |
| Assets per employee ($millions) | 2.4706% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 22.1900% | 4,556 |
| Equity capital to assets | 71.9196% | 111 |
| Core capital (leverage) ratio | 67.6889% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $35,531,667 | 4,472 |
| Average earning assets | $33,310,333 | 4,439 |
| Average equity | $21,609,333 | 2,732 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,757 |
| Cost of funding earning assets | 0.0994% | 4,532 |
| Net interest margin | 4.2183% | 920 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 9.0323% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -3.3560% | 4,659 |
| Return on assets (ROA) | -3.3560% | 4,656 |
| Pretax return on assets | -4.6819% | 4,664 |
| Return on Equity (ROE) | -5.9600% | 4,563 |
| Retained earnings to average equity (ytd only) | -5.9578% | 4,364 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 207.6190% | 23 |
| Assets per employee ($millions) | 2.6811% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 32.9600% | 4,602 |
| Equity capital to assets | 61.9470% | 71 |
| Core capital (leverage) ratio | 55.7391% | 82 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $38,617,000 | 4,515 |
| Average earning assets | $36,223,000 | 4,484 |
| Average equity | $21,753,000 | 2,741 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0369% | 90 |
| Cost of funding earning assets | 0.5355% | 1,186 |
| Net interest margin | 5.5014% | 85 |
| Noninterest income to average assets | -4.6300% | 4,709 |
| Noninterest expense to average assets | 8.7637% | 121 |
| Loan and lease loss provision to assets | -10.7500% | 4,709 |
| Net operating income to assets | 1.9428% | 329 |
| Return on assets (ROA) | 1.9428% | 317 |
| Pretax return on assets | 2.5158% | 207 |
| Return on Equity (ROE) | 5.1900% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.1890% | 2,966 |
| Net charge-offs to loans | 4.3643% | 12 |
| Credit loss provision to net charge-offs | -509.7826% | 4,633 |
| Earnings coverage of net charge-offs (x) | -3.9047% | 4,686 |
| Efficiency ratio | 1,651.4950% | 2 |
| Assets per employee ($millions) | 2.6488% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 42.9100% | 4,618 |
| Equity capital to assets | 51.7107% | 83 |
| Core capital (leverage) ratio | 44.5264% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $56,722,400 | 4,373 |
| Average earning assets | $53,222,400 | 4,339 |
| Average equity | $21,237,400 | 2,839 |
| Average total loans | $27,404,400 | 4,277 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 86 |
| Cost of funding earning assets | 0.5727% | 507 |
| Net interest margin | 5.2961% | 90 |
| Noninterest income to average assets | 1.8200% | 295 |
| Noninterest expense to average assets | 6.5086% | 155 |
| Loan and lease loss provision to assets | -0.8400% | 4,743 |
| Net operating income to assets | 0.9109% | 2,827 |
| Return on assets (ROA) | 0.9109% | 2,802 |
| Pretax return on assets | 1.1209% | 2,657 |
| Return on Equity (ROE) | 2.6100% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.6074% | 3,888 |
| Net charge-offs to loans | 3.8027% | 12 |
| Credit loss provision to net charge-offs | -38.8946% | 4,629 |
| Earnings coverage of net charge-offs (x) | 0.1300% | 2,296 |
| Efficiency ratio | 95.8645% | 203 |
| Assets per employee ($millions) | 3.3380% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.8568% | 3 |
| Loan loss allowance to noncurrent loans | 2,997.4747% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 1,552 |
| Noncurrent loans to loans | 0.6625% | 1,231 |
| Net loans and leases to total assets | 42.2100% | 3,976 |
| Net loans and leases to deposits | 74.4537% | 2,011 |
| Net loans and leases to core deposits | 77.8182% | 2,054 |
| Total domestic deposits to total assets | 56.7000% | 4,636 |
| Equity capital to assets | 37.4035% | 99 |
| Core capital (leverage) ratio | 35.7793% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $60,308,000 | 4,368 |
| Average earning assets | $56,568,000 | 4,335 |
| Average equity | $21,068,000 | 2,892 |
| Average total loans | $34,255,500 | 4,189 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6481% | 91 |
| Cost of funding earning assets | 0.5894% | 302 |
| Net interest margin | 5.0587% | 102 |
| Noninterest income to average assets | 1.8343% | 259 |
| Noninterest expense to average assets | 6.4428% | 116 |
| Loan and lease loss provision to assets | -1.2359% | 4,767 |
| Net operating income to assets | 1.1383% | 1,637 |
| Return on assets (ROA) | 1.1383% | 1,617 |
| Pretax return on assets | 1.3725% | 1,515 |
| Return on Equity (ROE) | 3.3308% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.3308% | 3,335 |
| Net charge-offs to loans | 3.0411% | 17 |
| Credit loss provision to net charge-offs | -69.9816% | 3,067 |
| Earnings coverage of net charge-offs (x) | 0.0773% | 2,104 |
| Efficiency ratio | 97.9239% | 218 |
| Assets per employee ($millions) | 3.4865% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.5225% | 3 |
| Loan loss allowance to noncurrent loans | 2,422.0532% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 1,278 |
| Noncurrent loans to loans | 0.8060% | 1,068 |
| Net loans and leases to total assets | 44.3040% | 3,813 |
| Net loans and leases to deposits | 69.6525% | 2,249 |
| Net loans and leases to core deposits | 72.2990% | 2,309 |
| Total domestic deposits to total assets | 63.6072% | 4,668 |
| Equity capital to assets | 35.7044% | 57 |
| Core capital (leverage) ratio | 34.4248% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,495,333 | 4,399 |
| Average earning assets | $57,682,667 | 4,380 |
| Average equity | $21,015,667 | 2,972 |
| Average total loans | $35,711,000 | 4,220 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0380% | 69 |
| Cost of funding earning assets | 0.5936% | 273 |
| Net interest margin | 5.4445% | 75 |
| Noninterest income to average assets | 1.8784% | 264 |
| Noninterest expense to average assets | 6.1462% | 116 |
| Loan and lease loss provision to assets | -1.0861% | 4,786 |
| Net operating income to assets | 1.6547% | 452 |
| Return on assets (ROA) | 1.6547% | 454 |
| Pretax return on assets | 1.9167% | 429 |
| Return on Equity (ROE) | 4.9469% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.9469% | 2,608 |
| Net charge-offs to loans | 2.8240% | 21 |
| Credit loss provision to net charge-offs | -64.6388% | 2,840 |
| Earnings coverage of net charge-offs (x) | 0.4943% | 1,770 |
| Efficiency ratio | 88.0952% | 632 |
| Assets per employee ($millions) | 3.6956% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.2357% | 3 |
| Loan loss allowance to noncurrent loans | 2,098.1651% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 1,153 |
| Noncurrent loans to loans | 0.9168% | 997 |
| Net loans and leases to total assets | 45.8528% | 3,594 |
| Net loans and leases to deposits | 69.8656% | 1,980 |
| Net loans and leases to core deposits | 72.2668% | 2,084 |
| Total domestic deposits to total assets | 65.6299% | 4,695 |
| Equity capital to assets | 33.5408% | 53 |
| Core capital (leverage) ratio | 33.0383% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,608,000 | 4,413 |
| Average earning assets | $58,628,500 | 4,395 |
| Average equity | $20,942,500 | 3,061 |
| Average total loans | $37,252,000 | 4,204 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2096% | 70 |
| Cost of funding earning assets | 0.9028% | 111 |
| Net interest margin | 5.3068% | 100 |
| Noninterest income to average assets | 2.5780% | 224 |
| Noninterest expense to average assets | 5.6318% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4425% | 1,152 |
| Return on assets (ROA) | 1.4425% | 1,229 |
| Pretax return on assets | 1.8261% | 865 |
| Return on Equity (ROE) | 4.6490% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.6490% | 2,947 |
| Net charge-offs to loans | 3.6895% | 10 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 0.7373% | 2,639 |
| Efficiency ratio | 75.5144% | 1,150 |
| Assets per employee ($millions) | 3.6701% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.7764% | 3 |
| Loan loss allowance to noncurrent loans | 940.9032% | 904 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 386 |
| Noncurrent loans to loans | 1.9956% | 393 |
| Net loans and leases to total assets | 50.5586% | 3,216 |
| Net loans and leases to deposits | 77.4656% | 1,451 |
| Net loans and leases to core deposits | 83.3571% | 1,370 |
| Total domestic deposits to total assets | 65.2658% | 4,735 |
| Equity capital to assets | 33.3590% | 50 |
| Core capital (leverage) ratio | 30.9876% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,165,600 | 4,391 |
| Average earning assets | $59,923,200 | 4,383 |
| Average equity | $20,219,200 | 3,197 |
| Average total loans | $43,746,000 | 4,114 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7248% | 118 |
| Cost of funding earning assets | 0.9519% | 105 |
| Net interest margin | 4.7729% | 202 |
| Noninterest income to average assets | 1.9941% | 356 |
| Noninterest expense to average assets | 5.2069% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9434% | 3,111 |
| Return on assets (ROA) | 0.9434% | 3,188 |
| Pretax return on assets | 1.1620% | 3,041 |
| Return on Equity (ROE) | 3.0956% | 4,451 |
| Retained earnings to average equity (ytd only) | 3.0956% | 3,873 |
| Net charge-offs to loans | 3.1218% | 11 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 0.5451% | 2,402 |
| Efficiency ratio | 81.7546% | 646 |
| Assets per employee ($millions) | 3.7678% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.9834% | 4 |
| Loan loss allowance to noncurrent loans | 1,041.6446% | 778 |
| Noncurrent assets plus other real estate owned to assets | 1.1772% | 508 |
| Noncurrent loans to loans | 1.8224% | 522 |
| Net loans and leases to total assets | 52.3301% | 3,169 |
| Net loans and leases to deposits | 77.8480% | 1,497 |
| Net loans and leases to core deposits | 87.1076% | 1,214 |
| Total domestic deposits to total assets | 67.2209% | 4,786 |
| Equity capital to assets | 31.7534% | 57 |
| Core capital (leverage) ratio | 30.1351% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,859,250 | 4,439 |
| Average earning assets | $60,367,000 | 4,443 |
| Average equity | $20,070,750 | 3,245 |
| Average total loans | $44,973,500 | 4,146 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7875% | 118 |
| Cost of funding earning assets | 1.0430% | 91 |
| Net interest margin | 4.7445% | 240 |
| Noninterest income to average assets | 1.6160% | 475 |
| Noninterest expense to average assets | 4.9954% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7132% | 3,727 |
| Return on assets (ROA) | 0.7132% | 3,795 |
| Pretax return on assets | 0.9600% | 3,528 |
| Return on Equity (ROE) | 2.3722% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.3722% | 4,025 |
| Net charge-offs to loans | 3.0883% | 15 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.4474% | 2,191 |
| Efficiency ratio | 83.8807% | 561 |
| Assets per employee ($millions) | 4.0058% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.7304% | 4 |
| Loan loss allowance to noncurrent loans | 925.8757% | 779 |
| Noncurrent assets plus other real estate owned to assets | 1.5369% | 360 |
| Noncurrent loans to loans | 2.0230% | 480 |
| Net loans and leases to total assets | 55.4718% | 2,963 |
| Net loans and leases to deposits | 82.0119% | 1,219 |
| Net loans and leases to core deposits | 92.2520% | 992 |
| Total domestic deposits to total assets | 67.6387% | 4,799 |
| Equity capital to assets | 31.3768% | 58 |
| Core capital (leverage) ratio | 28.4530% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,461,333 | 4,460 |
| Average earning assets | $60,785,667 | 4,464 |
| Average equity | $19,981,333 | 3,243 |
| Average total loans | $46,173,667 | 4,149 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7010% | 148 |
| Cost of funding earning assets | 1.1260% | 75 |
| Net interest margin | 4.5750% | 322 |
| Noninterest income to average assets | 2.1760% | 326 |
| Noninterest expense to average assets | 5.6648% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5204% | 4,136 |
| Return on assets (ROA) | 0.5204% | 4,175 |
| Pretax return on assets | 0.6918% | 4,036 |
| Return on Equity (ROE) | 1.7673% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.7673% | 4,060 |
| Net charge-offs to loans | 2.0428% | 35 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 0.4835% | 1,884 |
| Efficiency ratio | 89.1163% | 402 |
| Assets per employee ($millions) | 4.2190% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.6798% | 3 |
| Loan loss allowance to noncurrent loans | 568.1967% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 2.9213% | 106 |
| Noncurrent loans to loans | 3.2876% | 225 |
| Net loans and leases to total assets | 55.8811% | 3,053 |
| Net loans and leases to deposits | 81.2659% | 1,401 |
| Net loans and leases to core deposits | 91.8816% | 1,123 |
| Total domestic deposits to total assets | 68.7633% | 4,791 |
| Equity capital to assets | 29.5701% | 66 |
| Core capital (leverage) ratio | 28.0043% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,646,000 | 4,465 |
| Average earning assets | $61,814,000 | 4,465 |
| Average equity | $19,917,000 | 3,241 |
| Average total loans | $47,387,000 | 4,150 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1706% | 39 |
| Cost of funding earning assets | 1.3745% | 138 |
| Net interest margin | 5.7962% | 52 |
| Noninterest income to average assets | 2.1815% | 298 |
| Noninterest expense to average assets | 5.4685% | 160 |
| Loan and lease loss provision to assets | 0.4520% | 617 |
| Net operating income to assets | 1.1708% | 1,650 |
| Return on assets (ROA) | 1.1708% | 1,763 |
| Pretax return on assets | 1.5294% | 1,245 |
| Return on Equity (ROE) | 4.0497% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.0497% | 2,796 |
| Net charge-offs to loans | 3.6774% | 20 |
| Credit loss provision to net charge-offs | 15.5216% | 3,243 |
| Earnings coverage of net charge-offs (x) | 0.6804% | 3,309 |
| Efficiency ratio | 73.4036% | 1,518 |
| Assets per employee ($millions) | 4.2368% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.4078% | 2 |
| Loan loss allowance to noncurrent loans | 535.5983% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 3.1126% | 111 |
| Noncurrent loans to loans | 3.4369% | 210 |
| Net loans and leases to total assets | 58.2404% | 3,056 |
| Net loans and leases to deposits | 84.9617% | 1,363 |
| Net loans and leases to core deposits | 95.9930% | 1,119 |
| Total domestic deposits to total assets | 68.5490% | 4,802 |
| Equity capital to assets | 29.3164% | 69 |
| Core capital (leverage) ratio | 27.2335% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,477,400 | 4,421 |
| Average earning assets | $61,333,400 | 4,427 |
| Average equity | $19,507,800 | 3,229 |
| Average total loans | $53,434,800 | 4,039 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4354% | 36 |
| Cost of funding earning assets | 1.4105% | 164 |
| Net interest margin | 6.0250% | 45 |
| Noninterest income to average assets | 2.2314% | 285 |
| Noninterest expense to average assets | 5.4203% | 159 |
| Loan and lease loss provision to assets | 0.6039% | 414 |
| Net operating income to assets | 1.2957% | 1,363 |
| Return on assets (ROA) | 1.2957% | 1,462 |
| Pretax return on assets | 1.6834% | 996 |
| Return on Equity (ROE) | 4.4978% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.4978% | 2,799 |
| Net charge-offs to loans | 3.1835% | 30 |
| Credit loss provision to net charge-offs | 23.3538% | 2,974 |
| Earnings coverage of net charge-offs (x) | 0.8851% | 3,113 |
| Efficiency ratio | 70.3285% | 1,838 |
| Assets per employee ($millions) | 4.0527% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.6703% | 1 |
| Loan loss allowance to noncurrent loans | 468.1840% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 3.1758% | 133 |
| Noncurrent loans to loans | 3.9878% | 165 |
| Net loans and leases to total assets | 60.4767% | 3,172 |
| Net loans and leases to deposits | 87.2897% | 1,558 |
| Net loans and leases to core deposits | 97.6860% | 1,334 |
| Total domestic deposits to total assets | 69.2827% | 4,782 |
| Equity capital to assets | 28.6490% | 69 |
| Core capital (leverage) ratio | 27.2543% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,399,750 | 4,433 |
| Average earning assets | $61,254,750 | 4,441 |
| Average equity | $19,416,500 | 3,243 |
| Average total loans | $54,696,750 | 4,030 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8361% | 34 |
| Cost of funding earning assets | 1.4538% | 185 |
| Net interest margin | 6.3823% | 50 |
| Noninterest income to average assets | 2.2122% | 263 |
| Noninterest expense to average assets | 5.4140% | 161 |
| Loan and lease loss provision to assets | 0.9118% | 246 |
| Net operating income to assets | 1.3184% | 1,311 |
| Return on assets (ROA) | 1.3184% | 1,412 |
| Pretax return on assets | 1.6741% | 1,046 |
| Return on Equity (ROE) | 4.5677% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.5677% | 2,670 |
| Net charge-offs to loans | 3.8101% | 26 |
| Credit loss provision to net charge-offs | 28.6654% | 2,707 |
| Earnings coverage of net charge-offs (x) | 0.8130% | 2,903 |
| Efficiency ratio | 67.6756% | 2,283 |
| Assets per employee ($millions) | 3.9541% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.2746% | 1 |
| Loan loss allowance to noncurrent loans | 457.2494% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 3.4052% | 120 |
| Noncurrent loans to loans | 3.9966% | 169 |
| Net loans and leases to total assets | 65.2514% | 2,730 |
| Net loans and leases to deposits | 94.6750% | 897 |
| Net loans and leases to core deposits | 106.2986% | 883 |
| Total domestic deposits to total assets | 68.9215% | 4,822 |
| Equity capital to assets | 29.0449% | 68 |
| Core capital (leverage) ratio | 27.4017% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,901,000 | 4,448 |
| Average earning assets | $60,667,667 | 4,459 |
| Average equity | $19,309,333 | 3,242 |
| Average total loans | $55,852,000 | 4,021 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8836% | 33 |
| Cost of funding earning assets | 1.4497% | 320 |
| Net interest margin | 7.4339% | 32 |
| Noninterest income to average assets | 2.2954% | 223 |
| Noninterest expense to average assets | 5.3880% | 184 |
| Loan and lease loss provision to assets | 1.8279% | 81 |
| Net operating income to assets | 1.4384% | 910 |
| Return on assets (ROA) | 1.4384% | 981 |
| Pretax return on assets | 1.8100% | 683 |
| Return on Equity (ROE) | 4.9995% | 3,632 |
| Retained earnings to average equity (ytd only) | 4.9995% | 2,278 |
| Net charge-offs to loans | 6.2800% | 13 |
| Credit loss provision to net charge-offs | 34.1163% | 2,131 |
| Earnings coverage of net charge-offs (x) | 0.6790% | 2,449 |
| Efficiency ratio | 59.6946% | 3,782 |
| Assets per employee ($millions) | 3.7551% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.8923% | 1 |
| Loan loss allowance to noncurrent loans | 445.8445% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 3.5241% | 134 |
| Noncurrent loans to loans | 4.0131% | 196 |
| Net loans and leases to total assets | 67.7442% | 2,581 |
| Net loans and leases to deposits | 97.8209% | 737 |
| Net loans and leases to core deposits | 109.6086% | 866 |
| Total domestic deposits to total assets | 69.2533% | 4,882 |
| Equity capital to assets | 28.5866% | 78 |
| Core capital (leverage) ratio | 27.1187% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,741,500 | 4,455 |
| Average earning assets | $60,426,000 | 4,472 |
| Average equity | $19,202,000 | 3,255 |
| Average total loans | $56,943,000 | 4,011 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5707% | 22 |
| Cost of funding earning assets | 1.2916% | 781 |
| Net interest margin | 9.2791% | 22 |
| Noninterest income to average assets | 11.9750% | 53 |
| Noninterest expense to average assets | 8.4973% | 85 |
| Loan and lease loss provision to assets | 5.8457% | 7 |
| Net operating income to assets | 4.3130% | 49 |
| Return on assets (ROA) | 4.3130% | 52 |
| Pretax return on assets | 6.0113% | 42 |
| Return on Equity (ROE) | 15.5464% | 599 |
| Retained earnings to average equity (ytd only) | 13.3366% | 151 |
| Net charge-offs to loans | 6.5424% | 7 |
| Credit loss provision to net charge-offs | 98.6549% | 2,522 |
| Earnings coverage of net charge-offs (x) | 2.0010% | 3,465 |
| Efficiency ratio | 41.7470% | 5,032 |
| Assets per employee ($millions) | 3.6356% | 4,341 |
| Cash dividends to net income (ytd only)* | 14.2146% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.1817% | 2 |
| Loan loss allowance to noncurrent loans | 490.3480% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 3.5284% | 125 |
| Noncurrent loans to loans | 3.7079% | 212 |
| Net loans and leases to total assets | 72.6650% | 1,978 |
| Net loans and leases to deposits | 104.5650% | 356 |
| Net loans and leases to core deposits | 113.0683% | 711 |
| Total domestic deposits to total assets | 69.4927% | 4,951 |
| Equity capital to assets | 28.6980% | 82 |
| Core capital (leverage) ratio | 26.9990% | 103 |
| Tier 1 risk-based capital ratio | 39.8213% | 246 |
| Total risk-based capital ratio | 41.3775% | 236 |
| Memoranda: | ||
| Average total assets | $65,244,000 | 4,519 |
| Average earning assets | $58,917,400 | 4,538 |
| Average equity | $18,100,600 | 3,327 |
| Average total loans | $59,091,400 | 4,002 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7094% | 23 |
| Cost of funding earning assets | 1.2661% | 873 |
| Net interest margin | 9.4433% | 22 |
| Noninterest income to average assets | 15.1623% | 45 |
| Noninterest expense to average assets | 7.7816% | 96 |
| Loan and lease loss provision to assets | 7.6998% | 4 |
| Net operating income to assets | 5.8797% | 29 |
| Return on assets (ROA) | 5.8797% | 31 |
| Pretax return on assets | 8.1927% | 28 |
| Return on Equity (ROE) | 21.3780% | 184 |
| Retained earnings to average equity (ytd only) | 18.4037% | 64 |
| Net charge-offs to loans | 6.5638% | 6 |
| Credit loss provision to net charge-offs | 128.8942% | 1,836 |
| Earnings coverage of net charge-offs (x) | 2.6604% | 3,177 |
| Efficiency ratio | 32.8697% | 5,198 |
| Assets per employee ($millions) | 2.9472% | 4,919 |
| Cash dividends to net income (ytd only)* | 13.9130% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.3136% | 1 |
| Loan loss allowance to noncurrent loans | 616.6218% | 832 |
| Noncurrent assets plus other real estate owned to assets | 3.1047% | 175 |
| Noncurrent loans to loans | 3.1322% | 300 |
| Net loans and leases to total assets | 73.8595% | 1,843 |
| Net loans and leases to deposits | 105.9726% | 325 |
| Net loans and leases to core deposits | 115.4341% | 682 |
| Total domestic deposits to total assets | 69.6968% | 5,007 |
| Equity capital to assets | 29.0586% | 79 |
| Core capital (leverage) ratio | 26.6229% | 105 |
| Tier 1 risk-based capital ratio | 37.9382% | 280 |
| Total risk-based capital ratio | 39.4943% | 271 |
| Memoranda: | ||
| Average total assets | $65,195,000 | 4,568 |
| Average earning assets | $58,763,250 | 4,597 |
| Average equity | $17,930,750 | 3,371 |
| Average total loans | $59,334,500 | 4,048 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7114% | 21 |
| Cost of funding earning assets | 1.2428% | 888 |
| Net interest margin | 9.4686% | 21 |
| Noninterest income to average assets | 21.3400% | 35 |
| Noninterest expense to average assets | 7.8819% | 95 |
| Loan and lease loss provision to assets | 11.1768% | 1 |
| Net operating income to assets | 7.7931% | 23 |
| Return on assets (ROA) | 7.7931% | 25 |
| Pretax return on assets | 10.8430% | 25 |
| Return on Equity (ROE) | 28.8756% | 49 |
| Retained earnings to average equity (ytd only) | 24.3372% | 28 |
| Net charge-offs to loans | 5.8623% | 10 |
| Credit loss provision to net charge-offs | 209.8907% | 1,161 |
| Earnings coverage of net charge-offs (x) | 4.1351% | 2,761 |
| Efficiency ratio | 26.3594% | 5,268 |
| Assets per employee ($millions) | 2.6508% | 5,076 |
| Cash dividends to net income (ytd only)* | 15.7171% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 21.5022% | 1 |
| Loan loss allowance to noncurrent loans | 624.3149% | 842 |
| Noncurrent assets plus other real estate owned to assets | 3.2610% | 164 |
| Noncurrent loans to loans | 3.4441% | 247 |
| Net loans and leases to total assets | 69.0262% | 2,673 |
| Net loans and leases to deposits | 97.9927% | 845 |
| Net loans and leases to core deposits | 106.3840% | 1,221 |
| Total domestic deposits to total assets | 70.4402% | 5,032 |
| Equity capital to assets | 27.9331% | 89 |
| Core capital (leverage) ratio | 25.2300% | 115 |
| Tier 1 risk-based capital ratio | 35.8600% | 317 |
| Total risk-based capital ratio | 37.4375% | 300 |
| Memoranda: | ||
| Average total assets | $65,314,000 | 4,602 |
| Average earning assets | $59,058,330 | 4,623 |
| Average equity | $17,627,330 | 3,401 |
| Average total loans | $59,328,670 | 4,067 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6211% | 21 |
| Cost of funding earning assets | 1.1899% | 931 |
| Net interest margin | 9.4311% | 21 |
| Noninterest income to average assets | 23.7089% | 37 |
| Noninterest expense to average assets | 7.8598% | 88 |
| Loan and lease loss provision to assets | 8.6371% | 5 |
| Net operating income to assets | 11.3393% | 15 |
| Return on assets (ROA) | 11.3393% | 18 |
| Pretax return on assets | 15.7689% | 16 |
| Return on Equity (ROE) | 42.7803% | 23 |
| Retained earnings to average equity (ytd only) | 38.1252% | 13 |
| Net charge-offs to loans | 5.9208% | 11 |
| Credit loss provision to net charge-offs | 158.0135% | 1,203 |
| Earnings coverage of net charge-offs (x) | 4.4650% | 2,325 |
| Efficiency ratio | 24.3595% | 5,335 |
| Assets per employee ($millions) | 2.1241% | 5,255 |
| Cash dividends to net income (ytd only)* | 10.8814% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 18.4726% | 1 |
| Loan loss allowance to noncurrent loans | 494.6246% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 3.6601% | 138 |
| Noncurrent loans to loans | 3.7347% | 229 |
| Net loans and leases to total assets | 74.6272% | 1,701 |
| Net loans and leases to deposits | 106.1134% | 319 |
| Net loans and leases to core deposits | 114.4897% | 714 |
| Total domestic deposits to total assets | 70.3277% | 5,100 |
| Equity capital to assets | 27.3426% | 91 |
| Core capital (leverage) ratio | 25.3825% | 108 |
| Tier 1 risk-based capital ratio | 34.3808% | 344 |
| Total risk-based capital ratio | 35.9160% | 325 |
| Memoranda: | ||
| Average total assets | $64,836,500 | 4,661 |
| Average earning assets | $58,826,500 | 4,676 |
| Average equity | $17,185,500 | 3,461 |
| Average total loans | $59,856,500 | 4,088 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7035% | 33 |
| Cost of funding earning assets | 1.1498% | 416 |
| Net interest margin | 7.5536% | 32 |
| Noninterest income to average assets | 29.0022% | 31 |
| Noninterest expense to average assets | 11.7667% | 52 |
| Loan and lease loss provision to assets | 11.0323% | 2 |
| Net operating income to assets | 9.5892% | 19 |
| Return on assets (ROA) | 9.5892% | 19 |
| Pretax return on assets | 13.1391% | 16 |
| Return on Equity (ROE) | 43.8963% | 11 |
| Retained earnings to average equity (ytd only) | 40.8654% | 1 |
| Net charge-offs to loans | 3.9092% | 27 |
| Credit loss provision to net charge-offs | 339.0123% | 924 |
| Earnings coverage of net charge-offs (x) | 7.4277% | 2,997 |
| Efficiency ratio | 32.7416% | 5,351 |
| Assets per employee ($millions) | 2.2009% | 5,282 |
| Cash dividends to net income (ytd only)* | 6.9046% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.8651% | 1 |
| Loan loss allowance to noncurrent loans | 480.2804% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 3.7320% | 135 |
| Noncurrent loans to loans | 3.7197% | 219 |
| Net loans and leases to total assets | 76.4896% | 1,521 |
| Net loans and leases to deposits | 105.0976% | 416 |
| Net loans and leases to core deposits | 113.3158% | 811 |
| Total domestic deposits to total assets | 72.7795% | 5,020 |
| Equity capital to assets | 25.6428% | 101 |
| Core capital (leverage) ratio | 22.8871% | 147 |
| Tier 1 risk-based capital ratio | 31.1914% | 421 |
| Total risk-based capital ratio | 32.7205% | 407 |
| Memoranda: | ||
| Average total assets | $62,226,400 | 4,712 |
| Average earning assets | $57,138,000 | 4,727 |
| Average equity | $13,593,400 | 3,801 |
| Average total loans | $51,800,800 | 4,274 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4303% | 33 |
| Cost of funding earning assets | 1.1258% | 357 |
| Net interest margin | 7.3046% | 32 |
| Noninterest income to average assets | 29.4086% | 32 |
| Noninterest expense to average assets | 11.7380% | 51 |
| Loan and lease loss provision to assets | 11.4619% | 2 |
| Net operating income to assets | 9.2989% | 18 |
| Return on assets (ROA) | 9.2989% | 18 |
| Pretax return on assets | 12.9392% | 18 |
| Return on Equity (ROE) | 44.5674% | 12 |
| Retained earnings to average equity (ytd only) | 42.3762% | 3 |
| Net charge-offs to loans | 3.9071% | 26 |
| Credit loss provision to net charge-offs | 363.5431% | 871 |
| Earnings coverage of net charge-offs (x) | 7.7394% | 2,779 |
| Efficiency ratio | 32.4800% | 5,419 |
| Assets per employee ($millions) | 2.0568% | 5,373 |
| Cash dividends to net income (ytd only)* | 4.9165% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.6880% | 1 |
| Loan loss allowance to noncurrent loans | 464.1928% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 3.8644% | 133 |
| Noncurrent loans to loans | 3.8105% | 233 |
| Net loans and leases to total assets | 70.2985% | 2,596 |
| Net loans and leases to deposits | 93.1794% | 1,481 |
| Net loans and leases to core deposits | 99.5514% | 1,828 |
| Total domestic deposits to total assets | 75.4442% | 4,840 |
| Equity capital to assets | 23.3873% | 136 |
| Core capital (leverage) ratio | 20.3516% | 222 |
| Tier 1 risk-based capital ratio | 31.6721% | 407 |
| Total risk-based capital ratio | 33.1960% | 396 |
| Memoranda: | ||
| Average total assets | $61,826,250 | 4,773 |
| Average earning assets | $56,967,500 | 4,781 |
| Average equity | $12,900,000 | 3,924 |
| Average total loans | $49,891,000 | 4,365 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0461% | 41 |
| Cost of funding earning assets | 1.0567% | 354 |
| Net interest margin | 6.9894% | 34 |
| Noninterest income to average assets | 29.2083% | 32 |
| Noninterest expense to average assets | 11.8468% | 52 |
| Loan and lease loss provision to assets | 9.0387% | 2 |
| Net operating income to assets | 10.6176% | 16 |
| Return on assets (ROA) | 10.6176% | 16 |
| Pretax return on assets | 14.7659% | 15 |
| Return on Equity (ROE) | 53.1182% | 8 |
| Retained earnings to average equity (ytd only) | 50.8777% | 1 |
| Net charge-offs to loans | 1.9144% | 57 |
| Credit loss provision to net charge-offs | 597.1922% | 630 |
| Earnings coverage of net charge-offs (x) | 15.7279% | 2,023 |
| Efficiency ratio | 33.2294% | 5,476 |
| Assets per employee ($millions) | 2.1813% | 5,419 |
| Cash dividends to net income (ytd only)* | 4.2180% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.9867% | 1 |
| Loan loss allowance to noncurrent loans | 413.3504% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 3.7261% | 164 |
| Noncurrent loans to loans | 3.6257% | 267 |
| Net loans and leases to total assets | 72.4663% | 2,203 |
| Net loans and leases to deposits | 95.0052% | 1,249 |
| Net loans and leases to core deposits | 101.4474% | 1,609 |
| Total domestic deposits to total assets | 76.2761% | 4,831 |
| Equity capital to assets | 22.0102% | 165 |
| Core capital (leverage) ratio | 20.8010% | 194 |
| Tier 1 risk-based capital ratio | 30.7030% | 453 |
| Total risk-based capital ratio | 32.1884% | 440 |
| Memoranda: | ||
| Average total assets | $61,181,330 | 4,851 |
| Average earning assets | $56,399,670 | 4,852 |
| Average equity | $12,229,330 | 4,050 |
| Average total loans | $48,369,670 | 4,431 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6212% | 42 |
| Cost of funding earning assets | 1.0660% | 268 |
| Net interest margin | 6.5552% | 44 |
| Noninterest income to average assets | 23.2710% | 36 |
| Noninterest expense to average assets | 11.2531% | 59 |
| Loan and lease loss provision to assets | 6.7505% | 5 |
| Net operating income to assets | 8.0541% | 20 |
| Return on assets (ROA) | 8.0541% | 20 |
| Pretax return on assets | 11.2797% | 19 |
| Return on Equity (ROE) | 42.5566% | 18 |
| Retained earnings to average equity (ytd only) | 40.0966% | 6 |
| Net charge-offs to loans | -2.2985% | 5,563 |
| Credit loss provision to net charge-offs | -387.4046% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4283% | 5,483 |
| Assets per employee ($millions) | 2.0509% | 5,501 |
| Cash dividends to net income (ytd only)* | 5.7803% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0011% | 3 |
| Loan loss allowance to noncurrent loans | 277.2495% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 4.6270% | 109 |
| Noncurrent loans to loans | 5.0500% | 145 |
| Net loans and leases to total assets | 72.8685% | 2,043 |
| Net loans and leases to deposits | 94.5174% | 1,182 |
| Net loans and leases to core deposits | 101.2522% | 1,594 |
| Total domestic deposits to total assets | 77.0953% | 4,844 |
| Equity capital to assets | 20.0968% | 210 |
| Core capital (leverage) ratio | 17.5081% | 342 |
| Tier 1 risk-based capital ratio | 28.6295% | 531 |
| Total risk-based capital ratio | 30.1017% | 520 |
| Memoranda: | ||
| Average total assets | $60,143,500 | 4,926 |
| Average earning assets | $55,162,000 | 4,932 |
| Average equity | $11,382,500 | 4,213 |
| Average total loans | $45,594,000 | 4,550 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6724% | 47 |
| Cost of funding earning assets | 0.7489% | 825 |
| Net interest margin | 6.9235% | 43 |
| Noninterest income to average assets | 26.1941% | 34 |
| Noninterest expense to average assets | 12.4773% | 51 |
| Loan and lease loss provision to assets | 11.4304% | 3 |
| Net operating income to assets | 5.0357% | 32 |
| Return on assets (ROA) | 5.0357% | 32 |
| Pretax return on assets | 8.5199% | 24 |
| Return on Equity (ROE) | 24.9424% | 71 |
| Retained earnings to average equity (ytd only) | 22.0697% | 30 |
| Net charge-offs to loans | 7.7418% | 5 |
| Credit loss provision to net charge-offs | 191.6784% | 1,422 |
| Earnings coverage of net charge-offs (x) | 3.3455% | 3,621 |
| Efficiency ratio | 38.4774% | 5,553 |
| Assets per employee ($millions) | 2.6439% | 5,403 |
| Cash dividends to net income (ytd only)* | 11.5177% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1670% | 2 |
| Loan loss allowance to noncurrent loans | 301.6180% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 3.4978% | 193 |
| Noncurrent loans to loans | 4.6970% | 164 |
| Net loans and leases to total assets | 57.5777% | 4,054 |
| Net loans and leases to deposits | 73.8095% | 3,534 |
| Net loans and leases to core deposits | 77.7617% | 3,609 |
| Total domestic deposits to total assets | 78.0086% | 4,719 |
| Equity capital to assets | 17.7800% | 331 |
| Core capital (leverage) ratio | 18.5568% | 258 |
| Tier 1 risk-based capital ratio | 28.9966% | 497 |
| Total risk-based capital ratio | 30.4396% | 484 |
| Memoranda: | ||
| Average total assets | $47,758,800 | 5,196 |
| Average earning assets | $42,998,200 | 5,209 |
| Average equity | $9,642,200 | 4,504 |
| Average total loans | $36,787,200 | 4,826 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7393% | 43 |
| Cost of funding earning assets | 0.6530% | 1,217 |
| Net interest margin | 7.0863% | 38 |
| Noninterest income to average assets | 24.2053% | 39 |
| Noninterest expense to average assets | 11.9798% | 55 |
| Loan and lease loss provision to assets | 12.4922% | 3 |
| Net operating income to assets | 3.6617% | 57 |
| Return on assets (ROA) | 3.6617% | 57 |
| Pretax return on assets | 6.1068% | 39 |
| Return on Equity (ROE) | 17.4260% | 382 |
| Retained earnings to average equity (ytd only) | 14.3744% | 139 |
| Net charge-offs to loans | 8.7518% | 5 |
| Credit loss provision to net charge-offs | 177.4798% | 1,488 |
| Earnings coverage of net charge-offs (x) | 2.6424% | 3,439 |
| Efficiency ratio | 39.1769% | 5,598 |
| Assets per employee ($millions) | 2.1375% | 5,609 |
| Cash dividends to net income (ytd only)* | 17.5125% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3142% | 4 |
| Loan loss allowance to noncurrent loans | 239.1179% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 4.9165% | 107 |
| Noncurrent loans to loans | 5.1499% | 152 |
| Net loans and leases to total assets | 75.5300% | 1,681 |
| Net loans and leases to deposits | 99.0905% | 811 |
| Net loans and leases to core deposits | 99.8145% | 1,721 |
| Total domestic deposits to total assets | 76.2233% | 4,997 |
| Equity capital to assets | 20.6103% | 203 |
| Core capital (leverage) ratio | 19.1878% | 241 |
| Tier 1 risk-based capital ratio | 27.9691% | 572 |
| Total risk-based capital ratio | 29.3984% | 548 |
| Memoranda: | ||
| Average total assets | $44,496,000 | 5,316 |
| Average earning assets | $40,020,000 | 5,332 |
| Average equity | $9,349,750 | 4,596 |
| Average total loans | $35,786,000 | 4,898 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1957% | 54 |
| Cost of funding earning assets | 0.5726% | 1,632 |
| Net interest margin | 6.6231% | 49 |
| Noninterest income to average assets | 23.4944% | 39 |
| Noninterest expense to average assets | 11.8984% | 55 |
| Loan and lease loss provision to assets | 8.0361% | 4 |
| Net operating income to assets | 5.7316% | 33 |
| Return on assets (ROA) | 5.7316% | 33 |
| Pretax return on assets | 9.5480% | 27 |
| Return on Equity (ROE) | 27.0906% | 55 |
| Retained earnings to average equity (ytd only) | 27.0906% | 24 |
| Net charge-offs to loans | 9.2948% | 5 |
| Credit loss provision to net charge-offs | 110.3145% | 1,890 |
| Earnings coverage of net charge-offs (x) | 2.4138% | 3,165 |
| Efficiency ratio | 40.3574% | 5,622 |
| Assets per employee ($millions) | 2.1449% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0820% | 4 |
| Loan loss allowance to noncurrent loans | 126.2121% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 6.2961% | 66 |
| Noncurrent loans to loans | 7.1958% | 64 |
| Net loans and leases to total assets | 70.6875% | 2,415 |
| Net loans and leases to deposits | 93.3348% | 1,329 |
| Net loans and leases to core deposits | 94.0162% | 2,153 |
| Total domestic deposits to total assets | 75.7354% | 5,124 |
| Equity capital to assets | 21.0541% | 180 |
| Core capital (leverage) ratio | 20.7946% | 179 |
| Tier 1 risk-based capital ratio | 29.6881% | 480 |
| Total risk-based capital ratio | 31.0543% | 465 |
| Memoranda: | ||
| Average total assets | $43,653,000 | 5,377 |
| Average earning assets | $39,468,000 | 5,380 |
| Average equity | $9,235,670 | 4,639 |
| Average total loans | $34,212,670 | 4,979 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8826% | 65 |
| Cost of funding earning assets | 0.4743% | 2,316 |
| Net interest margin | 6.4083% | 55 |
| Noninterest income to average assets | 19.2716% | 40 |
| Noninterest expense to average assets | 12.1665% | 53 |
| Loan and lease loss provision to assets | 6.4843% | 6 |
| Net operating income to assets | 3.8581% | 59 |
| Return on assets (ROA) | 3.8581% | 59 |
| Pretax return on assets | 6.4270% | 39 |
| Return on Equity (ROE) | 18.1859% | 327 |
| Retained earnings to average equity (ytd only) | 18.1859% | 135 |
| Net charge-offs to loans | 11.5603% | 4 |
| Credit loss provision to net charge-offs | 71.2487% | 1,827 |
| Earnings coverage of net charge-offs (x) | 1.4187% | 2,737 |
| Efficiency ratio | 48.5149% | 5,442 |
| Assets per employee ($millions) | 2.1444% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2856% | 8 |
| Loan loss allowance to noncurrent loans | 102.4788% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 7.0061% | 62 |
| Noncurrent loans to loans | 8.0852% | 62 |
| Net loans and leases to total assets | 71.1361% | 2,195 |
| Net loans and leases to deposits | 94.2426% | 1,084 |
| Net loans and leases to core deposits | 94.9634% | 1,899 |
| Total domestic deposits to total assets | 75.4819% | 5,291 |
| Equity capital to assets | 20.1812% | 207 |
| Core capital (leverage) ratio | 21.7471% | 145 |
| Tier 1 risk-based capital ratio | 29.4600% | 500 |
| Total risk-based capital ratio | 30.8186% | 492 |
| Memoranda: | ||
| Average total assets | $41,885,500 | 5,469 |
| Average earning assets | $37,951,000 | 5,465 |
| Average equity | $8,886,000 | 4,736 |
| Average total loans | $32,975,000 | 5,058 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1038% | 54 |
| Cost of funding earning assets | 0.4605% | 2,440 |
| Net interest margin | 6.6434% | 49 |
| Noninterest income to average assets | 15.7088% | 48 |
| Noninterest expense to average assets | 11.8386% | 60 |
| Loan and lease loss provision to assets | 2.5941% | 25 |
| Net operating income to assets | 4.3602% | 42 |
| Return on assets (ROA) | 4.3602% | 43 |
| Pretax return on assets | 7.2871% | 32 |
| Return on Equity (ROE) | 20.4097% | 194 |
| Retained earnings to average equity (ytd only) | 14.8044% | 113 |
| Net charge-offs to loans | 0.6471% | 342 |
| Credit loss provision to net charge-offs | 510.3093% | 648 |
| Earnings coverage of net charge-offs (x) | 19.4381% | 1,914 |
| Efficiency ratio | 54.5060% | 5,200 |
| Assets per employee ($millions) | 1.9370% | 5,801 |
| Cash dividends to net income (ytd only)* | 27.4639% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2121% | 4 |
| Loan loss allowance to noncurrent loans | 224.0453% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 4.5045% | 156 |
| Noncurrent loans to loans | 4.5581% | 197 |
| Net loans and leases to total assets | 71.9017% | 2,180 |
| Net loans and leases to deposits | 98.8221% | 757 |
| Net loans and leases to core deposits | 99.7315% | 1,642 |
| Total domestic deposits to total assets | 72.7587% | 5,512 |
| Equity capital to assets | 22.4167% | 140 |
| Core capital (leverage) ratio | 22.4237% | 129 |
| Tier 1 risk-based capital ratio | 30.8412% | 449 |
| Total risk-based capital ratio | 32.2214% | 436 |
| Memoranda: | ||
| Average total assets | $38,163,400 | 5,573 |
| Average earning assets | $34,530,600 | 5,579 |
| Average equity | $8,153,000 | 4,907 |
| Average total loans | $29,979,800 | 5,187 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0520% | 53 |
| Cost of funding earning assets | 0.4562% | 2,492 |
| Net interest margin | 6.5957% | 48 |
| Noninterest income to average assets | 15.0796% | 48 |
| Noninterest expense to average assets | 11.5903% | 58 |
| Loan and lease loss provision to assets | 2.4198% | 31 |
| Net operating income to assets | 4.2012% | 49 |
| Return on assets (ROA) | 4.2012% | 49 |
| Pretax return on assets | 7.0523% | 35 |
| Return on Equity (ROE) | 19.9157% | 242 |
| Retained earnings to average equity (ytd only) | 15.7597% | 113 |
| Net charge-offs to loans | 0.6281% | 326 |
| Credit loss provision to net charge-offs | 492.8571% | 718 |
| Earnings coverage of net charge-offs (x) | 19.2930% | 1,943 |
| Efficiency ratio | 55.0283% | 5,155 |
| Assets per employee ($millions) | 1.7315% | 5,889 |
| Cash dividends to net income (ytd only)* | 20.8685% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6864% | 7 |
| Loan loss allowance to noncurrent loans | 114.7232% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 8.2751% | 55 |
| Noncurrent loans to loans | 8.4433% | 52 |
| Net loans and leases to total assets | 74.9244% | 1,717 |
| Net loans and leases to deposits | 104.1119% | 448 |
| Net loans and leases to core deposits | 105.1405% | 1,267 |
| Total domestic deposits to total assets | 71.9652% | 5,597 |
| Equity capital to assets | 23.1698% | 134 |
| Core capital (leverage) ratio | 20.9890% | 169 |
| Tier 1 risk-based capital ratio | 30.5320% | 462 |
| Total risk-based capital ratio | 31.9056% | 455 |
| Memoranda: | ||
| Average total assets | $38,019,500 | 5,631 |
| Average earning assets | $34,486,000 | 5,634 |
| Average equity | $8,020,250 | 4,982 |
| Average total loans | $29,719,250 | 5,248 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7116% | 66 |
| Cost of funding earning assets | 0.4448% | 2,617 |
| Net interest margin | 6.2668% | 60 |
| Noninterest income to average assets | 14.8864% | 49 |
| Noninterest expense to average assets | 11.7183% | 60 |
| Loan and lease loss provision to assets | 2.0222% | 39 |
| Net operating income to assets | 4.0962% | 51 |
| Return on assets (ROA) | 4.0962% | 50 |
| Pretax return on assets | 6.8443% | 36 |
| Return on Equity (ROE) | 20.0372% | 239 |
| Retained earnings to average equity (ytd only) | 20.0372% | 58 |
| Net charge-offs to loans | 0.5411% | 389 |
| Credit loss provision to net charge-offs | 487.5000% | 670 |
| Earnings coverage of net charge-offs (x) | 21.3750% | 1,685 |
| Efficiency ratio | 56.9270% | 5,037 |
| Assets per employee ($millions) | 1.8273% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9050% | 7 |
| Loan loss allowance to noncurrent loans | 180.7951% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 5.0711% | 146 |
| Noncurrent loans to loans | 4.9255% | 176 |
| Net loans and leases to total assets | 71.5224% | 2,244 |
| Net loans and leases to deposits | 96.3457% | 1,046 |
| Net loans and leases to core deposits | 97.2125% | 1,870 |
| Total domestic deposits to total assets | 74.2352% | 5,494 |
| Equity capital to assets | 21.5432% | 167 |
| Core capital (leverage) ratio | 20.7485% | 171 |
| Tier 1 risk-based capital ratio | 30.2744% | 483 |
| Total risk-based capital ratio | 31.6366% | 476 |
| Memoranda: | ||
| Average total assets | $38,572,000 | 5,685 |
| Average earning assets | $35,073,670 | 5,691 |
| Average equity | $7,885,330 | 5,044 |
| Average total loans | $29,570,330 | 5,309 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7417% | 65 |
| Cost of funding earning assets | 0.4540% | 2,540 |
| Net interest margin | 6.2877% | 58 |
| Noninterest income to average assets | 15.7017% | 46 |
| Noninterest expense to average assets | 12.0504% | 59 |
| Loan and lease loss provision to assets | 1.8619% | 45 |
| Net operating income to assets | 4.4995% | 50 |
| Return on assets (ROA) | 4.4995% | 48 |
| Pretax return on assets | 7.5198% | 33 |
| Return on Equity (ROE) | 22.6136% | 142 |
| Retained earnings to average equity (ytd only) | 22.6136% | 62 |
| Net charge-offs to loans | 0.9969% | 187 |
| Credit loss provision to net charge-offs | 246.5753% | 956 |
| Earnings coverage of net charge-offs (x) | 12.4247% | 1,794 |
| Efficiency ratio | 56.2259% | 5,173 |
| Assets per employee ($millions) | 1.6325% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3928% | 9 |
| Loan loss allowance to noncurrent loans | 2,666.6667% | 248 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 1,463 |
| Noncurrent loans to loans | 0.3147% | 4,305 |
| Net loans and leases to total assets | 69.0871% | 2,480 |
| Net loans and leases to deposits | 90.9607% | 1,463 |
| Net loans and leases to core deposits | 91.7407% | 2,207 |
| Total domestic deposits to total assets | 75.9526% | 5,413 |
| Equity capital to assets | 20.1935% | 207 |
| Core capital (leverage) ratio | 20.4547% | 181 |
| Tier 1 risk-based capital ratio | 29.8855% | 513 |
| Total risk-based capital ratio | 31.2394% | 502 |
| Memoranda: | ||
| Average total assets | $38,671,000 | 5,738 |
| Average earning assets | $35,243,500 | 5,739 |
| Average equity | $7,694,500 | 5,110 |
| Average total loans | $29,291,000 | 5,362 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0372% | 124 |
| Cost of funding earning assets | 0.5937% | 1,406 |
| Net interest margin | 5.4435% | 138 |
| Noninterest income to average assets | 11.6454% | 58 |
| Noninterest expense to average assets | 10.8204% | 70 |
| Loan and lease loss provision to assets | 3.0093% | 15 |
| Net operating income to assets | 1.6461% | 640 |
| Return on assets (ROA) | 1.6577% | 642 |
| Pretax return on assets | 2.7810% | 141 |
| Return on Equity (ROE) | 8.8715% | 2,517 |
| Retained earnings to average equity (ytd only) | 8.8715% | 683 |
| Net charge-offs to loans | 3.3035% | 26 |
| Credit loss provision to net charge-offs | 130.4837% | 2,003 |
| Earnings coverage of net charge-offs (x) | 2.5028% | 3,890 |
| Efficiency ratio | 65.2126% | 4,043 |
| Assets per employee ($millions) | 1.7346% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1735% | 11 |
| Loan loss allowance to noncurrent loans | 350.5170% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 810 |
| Noncurrent loans to loans | 2.3318% | 823 |
| Net loans and leases to total assets | 69.8619% | 2,385 |
| Net loans and leases to deposits | 90.9991% | 1,506 |
| Net loans and leases to core deposits | 91.7886% | 2,246 |
| Total domestic deposits to total assets | 76.7721% | 5,352 |
| Equity capital to assets | 19.5933% | 221 |
| Core capital (leverage) ratio | 19.0597% | 237 |
| Tier 1 risk-based capital ratio | 28.6733% | 570 |
| Total risk-based capital ratio | 30.0240% | 551 |
| Memoranda: | ||
| Average total assets | $38,547,400 | 5,797 |
| Average earning assets | $35,032,600 | 5,785 |
| Average equity | $7,202,800 | 5,210 |
| Average total loans | $26,910,600 | 5,490 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8413% | 164 |
| Cost of funding earning assets | 0.6275% | 1,232 |
| Net interest margin | 5.2138% | 180 |
| Noninterest income to average assets | 11.3719% | 62 |
| Noninterest expense to average assets | 10.2264% | 76 |
| Loan and lease loss provision to assets | 2.1736% | 21 |
| Net operating income to assets | 2.2185% | 253 |
| Return on assets (ROA) | 2.2185% | 264 |
| Pretax return on assets | 3.7021% | 83 |
| Return on Equity (ROE) | 12.0168% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.0168% | 365 |
| Net charge-offs to loans | 2.5776% | 41 |
| Credit loss provision to net charge-offs | 123.5294% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.3392% | 3,514 |
| Efficiency ratio | 63.5097% | 4,333 |
| Assets per employee ($millions) | 1.6367% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0486% | 8 |
| Loan loss allowance to noncurrent loans | 125.1973% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 6.2747% | 131 |
| Noncurrent loans to loans | 6.4287% | 115 |
| Net loans and leases to total assets | 67.4070% | 2,789 |
| Net loans and leases to deposits | 88.2482% | 1,868 |
| Net loans and leases to core deposits | 88.2482% | 2,638 |
| Total domestic deposits to total assets | 76.3834% | 5,435 |
| Equity capital to assets | 19.8842% | 240 |
| Core capital (leverage) ratio | 19.3352% | 228 |
| Tier 1 risk-based capital ratio | 27.8142% | 633 |
| Total risk-based capital ratio | 29.1527% | 613 |
| Memoranda: | ||
| Average total assets | $38,644,000 | 5,872 |
| Average earning assets | $35,059,750 | 5,864 |
| Average equity | $7,134,250 | 5,288 |
| Average total loans | $26,380,000 | 5,573 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6879% | 199 |
| Cost of funding earning assets | 0.6622% | 1,036 |
| Net interest margin | 5.0258% | 233 |
| Noninterest income to average assets | 9.9749% | 73 |
| Noninterest expense to average assets | 10.1289% | 77 |
| Loan and lease loss provision to assets | 1.5393% | 40 |
| Net operating income to assets | 1.7138% | 616 |
| Return on assets (ROA) | 1.7138% | 642 |
| Pretax return on assets | 2.8632% | 151 |
| Return on Equity (ROE) | 9.5193% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.5193% | 775 |
| Net charge-offs to loans | 3.4187% | 30 |
| Credit loss provision to net charge-offs | 67.5676% | 2,494 |
| Earnings coverage of net charge-offs (x) | 1.9324% | 3,429 |
| Efficiency ratio | 69.7034% | 3,379 |
| Assets per employee ($millions) | 1.8410% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1306% | 17 |
| Loan loss allowance to noncurrent loans | 112.6007% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 6.0166% | 160 |
| Noncurrent loans to loans | 6.3327% | 145 |
| Net loans and leases to total assets | 65.9286% | 2,961 |
| Net loans and leases to deposits | 85.2099% | 2,145 |
| Net loans and leases to core deposits | 85.2099% | 2,855 |
| Total domestic deposits to total assets | 77.3720% | 5,395 |
| Equity capital to assets | 18.5722% | 292 |
| Core capital (leverage) ratio | 18.5429% | 261 |
| Tier 1 risk-based capital ratio | 27.2603% | 691 |
| Total risk-based capital ratio | 28.5909% | 669 |
| Memoranda: | ||
| Average total assets | $38,977,670 | 5,923 |
| Average earning assets | $35,338,000 | 5,924 |
| Average equity | $7,017,330 | 5,355 |
| Average total loans | $25,975,000 | 5,635 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5856% | 225 |
| Cost of funding earning assets | 0.6828% | 933 |
| Net interest margin | 4.9028% | 297 |
| Noninterest income to average assets | 9.7607% | 75 |
| Noninterest expense to average assets | 9.9958% | 83 |
| Loan and lease loss provision to assets | 1.2265% | 58 |
| Net operating income to assets | 1.8193% | 467 |
| Return on assets (ROA) | 1.8193% | 492 |
| Pretax return on assets | 3.0151% | 131 |
| Return on Equity (ROE) | 10.2653% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.2653% | 860 |
| Net charge-offs to loans | 4.5008% | 19 |
| Credit loss provision to net charge-offs | 42.2535% | 2,171 |
| Earnings coverage of net charge-offs (x) | 1.4613% | 2,915 |
| Efficiency ratio | 70.2082% | 3,451 |
| Assets per employee ($millions) | 1.9380% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5180% | 16 |
| Loan loss allowance to noncurrent loans | 140.2607% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 5.0800% | 239 |
| Noncurrent loans to loans | 5.3600% | 227 |
| Net loans and leases to total assets | 61.4757% | 3,451 |
| Net loans and leases to deposits | 79.0945% | 2,673 |
| Net loans and leases to core deposits | 79.0945% | 3,272 |
| Total domestic deposits to total assets | 77.7245% | 5,497 |
| Equity capital to assets | 18.1218% | 324 |
| Core capital (leverage) ratio | 17.6264% | 310 |
| Tier 1 risk-based capital ratio | 27.9666% | 653 |
| Total risk-based capital ratio | 29.2950% | 636 |
| Memoranda: | ||
| Average total assets | $39,136,500 | 5,981 |
| Average earning assets | $35,735,000 | 5,969 |
| Average equity | $6,936,000 | 5,417 |
| Average total loans | $25,240,000 | 5,706 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6575% | 244 |
| Cost of funding earning assets | 0.8676% | 467 |
| Net interest margin | 4.7899% | 443 |
| Noninterest income to average assets | 7.8740% | 83 |
| Noninterest expense to average assets | 9.3033% | 81 |
| Loan and lease loss provision to assets | 1.0783% | 91 |
| Net operating income to assets | 0.6681% | 4,049 |
| Return on assets (ROA) | 0.6681% | 4,148 |
| Pretax return on assets | 1.1227% | 2,998 |
| Return on Equity (ROE) | 4.7057% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.2590% | 3,158 |
| Net charge-offs to loans | -0.1642% | 6,224 |
| Credit loss provision to net charge-offs | -1,214.2857% | 5,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8675% | 1,793 |
| Assets per employee ($millions) | 1.7167% | 6,408 |
| Cash dividends to net income (ytd only)* | 9.4937% | 4,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6182% | 13 |
| Loan loss allowance to noncurrent loans | 129.6409% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 5.6504% | 217 |
| Noncurrent loans to loans | 6.6478% | 155 |
| Net loans and leases to total assets | 57.2004% | 4,170 |
| Net loans and leases to deposits | 72.7680% | 3,588 |
| Net loans and leases to core deposits | 72.7680% | 4,051 |
| Total domestic deposits to total assets | 78.6065% | 5,329 |
| Equity capital to assets | 17.3437% | 384 |
| Core capital (leverage) ratio | 16.7024% | 397 |
| Tier 1 risk-based capital ratio | 29.1452% | 555 |
| Total risk-based capital ratio | 30.4911% | 533 |
| Memoranda: | ||
| Average total assets | $47,294,800 | 5,850 |
| Average earning assets | $35,846,400 | 6,040 |
| Average equity | $6,715,200 | 5,477 |
| Average total loans | $25,572,200 | 5,754 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5702% | 287 |
| Cost of funding earning assets | 0.9060% | 406 |
| Net interest margin | 4.6642% | 537 |
| Noninterest income to average assets | 7.6320% | 87 |
| Noninterest expense to average assets | 8.8693% | 88 |
| Loan and lease loss provision to assets | 1.1100% | 95 |
| Net operating income to assets | 0.6173% | 4,365 |
| Return on assets (ROA) | 0.6173% | 4,458 |
| Pretax return on assets | 1.0396% | 3,426 |
| Return on Equity (ROE) | 4.5494% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.9508% | 3,837 |
| Net charge-offs to loans | -0.2120% | 6,321 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4914% | 1,845 |
| Assets per employee ($millions) | 1.7950% | 6,476 |
| Cash dividends to net income (ytd only)* | 13.1583% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5405% | 25 |
| Loan loss allowance to noncurrent loans | 197.5657% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 3.8392% | 533 |
| Noncurrent loans to loans | 3.8167% | 586 |
| Net loans and leases to total assets | 60.2616% | 3,743 |
| Net loans and leases to deposits | 75.6707% | 3,218 |
| Net loans and leases to core deposits | 76.5060% | 3,689 |
| Total domestic deposits to total assets | 79.6367% | 5,191 |
| Equity capital to assets | 16.3691% | 511 |
| Core capital (leverage) ratio | 14.4146% | 745 |
| Tier 1 risk-based capital ratio | 27.4318% | 682 |
| Total risk-based capital ratio | 28.7716% | 656 |
| Memoranda: | ||
| Average total assets | $49,247,500 | 5,871 |
| Average earning assets | $35,760,750 | 6,121 |
| Average equity | $6,682,000 | 5,536 |
| Average total loans | $25,786,500 | 5,799 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 319 |
| Cost of funding earning assets | 0.9210% | 384 |
| Net interest margin | 4.5551% | 631 |
| Noninterest income to average assets | 8.0113% | 82 |
| Noninterest expense to average assets | 8.3119% | 104 |
| Loan and lease loss provision to assets | 1.1368% | 83 |
| Net operating income to assets | 1.0289% | 2,208 |
| Return on assets (ROA) | 1.0289% | 2,271 |
| Pretax return on assets | 1.7263% | 968 |
| Return on Equity (ROE) | 8.0220% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.1207% | 1,705 |
| Net charge-offs to loans | -0.2597% | 6,404 |
| Credit loss provision to net charge-offs | -893.9394% | 5,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3793% | 2,910 |
| Assets per employee ($millions) | 2.2098% | 6,436 |
| Cash dividends to net income (ytd only)* | 11.2360% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4241% | 25 |
| Loan loss allowance to noncurrent loans | 202.3355% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 2.9453% | 871 |
| Noncurrent loans to loans | 3.6692% | 702 |
| Net loans and leases to total assets | 44.8146% | 5,474 |
| Net loans and leases to deposits | 53.4402% | 5,393 |
| Net loans and leases to core deposits | 53.8739% | 5,562 |
| Total domestic deposits to total assets | 83.8594% | 3,972 |
| Equity capital to assets | 12.8257% | 1,475 |
| Core capital (leverage) ratio | 12.9825% | 1,163 |
| Tier 1 risk-based capital ratio | 26.2729% | 746 |
| Total risk-based capital ratio | 27.5994% | 727 |
| Memoranda: | ||
| Average total assets | $51,901,670 | 5,857 |
| Average earning assets | $36,047,330 | 6,168 |
| Average equity | $6,656,670 | 5,571 |
| Average total loans | $25,412,670 | 5,860 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6631% | 238 |
| Cost of funding earning assets | 0.9289% | 390 |
| Net interest margin | 4.7342% | 433 |
| Noninterest income to average assets | 7.4646% | 84 |
| Noninterest expense to average assets | 8.3685% | 102 |
| Loan and lease loss provision to assets | 1.2935% | 84 |
| Net operating income to assets | 0.6545% | 3,927 |
| Return on assets (ROA) | 0.6545% | 4,024 |
| Pretax return on assets | 1.0987% | 2,905 |
| Return on Equity (ROE) | 5.1033% | 4,495 |
| Retained earnings to average equity (ytd only) | 3.2807% | 4,152 |
| Net charge-offs to loans | -0.1899% | 6,369 |
| Credit loss provision to net charge-offs | -1,383.3333% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7697% | 2,506 |
| Assets per employee ($millions) | 2.2221% | 6,508 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2362% | 27 |
| Loan loss allowance to noncurrent loans | 170.6511% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 3.0921% | 905 |
| Noncurrent loans to loans | 4.2403% | 607 |
| Net loans and leases to total assets | 42.2108% | 5,650 |
| Net loans and leases to deposits | 50.2410% | 5,582 |
| Net loans and leases to core deposits | 50.6457% | 5,716 |
| Total domestic deposits to total assets | 84.0165% | 4,266 |
| Equity capital to assets | 12.3964% | 1,629 |
| Core capital (leverage) ratio | 12.9369% | 1,190 |
| Tier 1 risk-based capital ratio | 26.5729% | 742 |
| Total risk-based capital ratio | 27.8944% | 723 |
| Memoranda: | ||
| Average total assets | $51,335,500 | 5,929 |
| Average earning assets | $35,740,000 | 6,240 |
| Average equity | $6,584,000 | 5,620 |
| Average total loans | $25,282,500 | 5,925 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 1,440 |
| Cost of funding earning assets | 0.9931% | 459 |
| Net interest margin | 3.7574% | 2,814 |
| Noninterest income to average assets | 7.1076% | 92 |
| Noninterest expense to average assets | 7.1670% | 138 |
| Loan and lease loss provision to assets | 1.1586% | 145 |
| Net operating income to assets | 0.8923% | 2,822 |
| Return on assets (ROA) | 0.8923% | 2,910 |
| Pretax return on assets | 1.5097% | 1,416 |
| Return on Equity (ROE) | 7.2370% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.0813% | 1,920 |
| Net charge-offs to loans | 2.4721% | 118 |
| Credit loss provision to net charge-offs | 97.4322% | 2,549 |
| Earnings coverage of net charge-offs (x) | 2.2439% | 4,268 |
| Efficiency ratio | 72.8700% | 3,317 |
| Assets per employee ($millions) | 2.1453% | 6,593 |
| Cash dividends to net income (ytd only)* | 15.9696% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0005% | 40 |
| Loan loss allowance to noncurrent loans | 2,465.6250% | 247 |
| Noncurrent assets plus other real estate owned to assets | 1.3863% | 2,668 |
| Noncurrent loans to loans | 0.2434% | 5,448 |
| Net loans and leases to total assets | 50.1003% | 5,073 |
| Net loans and leases to deposits | 60.7998% | 4,858 |
| Net loans and leases to core deposits | 61.3400% | 5,120 |
| Total domestic deposits to total assets | 82.4021% | 4,735 |
| Equity capital to assets | 13.2892% | 1,147 |
| Core capital (leverage) ratio | 12.1783% | 1,507 |
| Tier 1 risk-based capital ratio | 25.7323% | 793 |
| Total risk-based capital ratio | 27.0424% | 771 |
| Memoranda: | ||
| Average total assets | $58,950,800 | 5,781 |
| Average earning assets | $42,795,000 | 6,087 |
| Average equity | $7,268,200 | 5,506 |
| Average total loans | $28,356,000 | 5,834 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 2,207 |
| Cost of funding earning assets | 0.9786% | 553 |
| Net interest margin | 3.5287% | 3,760 |
| Noninterest income to average assets | 6.5716% | 103 |
| Noninterest expense to average assets | 6.8367% | 154 |
| Loan and lease loss provision to assets | 0.9540% | 177 |
| Net operating income to assets | 0.8128% | 3,281 |
| Return on assets (ROA) | 0.8128% | 3,414 |
| Pretax return on assets | 1.3669% | 2,050 |
| Return on Equity (ROE) | 6.6969% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.9269% | 2,459 |
| Net charge-offs to loans | 3.2974% | 65 |
| Credit loss provision to net charge-offs | 61.4846% | 3,267 |
| Earnings coverage of net charge-offs (x) | 1.4958% | 4,340 |
| Efficiency ratio | 74.6559% | 2,959 |
| Assets per employee ($millions) | 2.4865% | 6,490 |
| Cash dividends to net income (ytd only)* | 11.4970% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9387% | 119 |
| Loan loss allowance to noncurrent loans | 2,064.0625% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 6,098 |
| Noncurrent loans to loans | 0.2393% | 5,640 |
| Net loans and leases to total assets | 44.4613% | 5,689 |
| Net loans and leases to deposits | 53.4428% | 5,589 |
| Net loans and leases to core deposits | 54.1392% | 5,755 |
| Total domestic deposits to total assets | 83.1943% | 4,504 |
| Equity capital to assets | 13.2333% | 1,228 |
| Core capital (leverage) ratio | 12.6692% | 1,340 |
| Tier 1 risk-based capital ratio | 28.3804% | 602 |
| Total risk-based capital ratio | 29.6759% | 585 |
| Memoranda: | ||
| Average total assets | $61,353,250 | 5,783 |
| Average earning assets | $44,963,250 | 6,096 |
| Average equity | $7,446,000 | 5,525 |
| Average total loans | $28,870,500 | 5,870 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 2,630 |
| Cost of funding earning assets | 1.0021% | 540 |
| Net interest margin | 3.3817% | 4,259 |
| Noninterest income to average assets | 6.8918% | 104 |
| Noninterest expense to average assets | 6.6527% | 162 |
| Loan and lease loss provision to assets | 1.0264% | 178 |
| Net operating income to assets | 0.9850% | 2,392 |
| Return on assets (ROA) | 0.9850% | 2,538 |
| Pretax return on assets | 1.6544% | 1,224 |
| Return on Equity (ROE) | 8.3453% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.5351% | 1,655 |
| Net charge-offs to loans | 2.1029% | 207 |
| Credit loss provision to net charge-offs | 103.5370% | 2,136 |
| Earnings coverage of net charge-offs (x) | 2.7042% | 3,616 |
| Efficiency ratio | 71.2773% | 3,596 |
| Assets per employee ($millions) | 2.7689% | 6,194 |
| Cash dividends to net income (ytd only)* | 9.7087% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5146% | 84 |
| Loan loss allowance to noncurrent loans | 388.4058% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 4,606 |
| Noncurrent loans to loans | 1.4198% | 3,170 |
| Net loans and leases to total assets | 43.2614% | 5,803 |
| Net loans and leases to deposits | 51.4251% | 5,740 |
| Net loans and leases to core deposits | 53.9011% | 5,763 |
| Total domestic deposits to total assets | 84.1250% | 4,264 |
| Equity capital to assets | 11.7908% | 2,064 |
| Core capital (leverage) ratio | 11.9807% | 1,626 |
| Tier 1 risk-based capital ratio | 25.9893% | 769 |
| Total risk-based capital ratio | 27.2920% | 754 |
| Memoranda: | ||
| Average total assets | $62,741,330 | 5,783 |
| Average earning assets | $45,302,670 | 6,126 |
| Average equity | $7,405,330 | 5,584 |
| Average total loans | $29,578,000 | 5,863 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 2,157 |
| Cost of funding earning assets | 1.0930% | 387 |
| Net interest margin | 3.4099% | 4,082 |
| Noninterest income to average assets | 7.5864% | 95 |
| Noninterest expense to average assets | 6.7770% | 159 |
| Loan and lease loss provision to assets | 0.7130% | 329 |
| Net operating income to assets | 1.4582% | 940 |
| Return on assets (ROA) | 1.4582% | 1,017 |
| Pretax return on assets | 2.4410% | 292 |
| Return on Equity (ROE) | 12.3479% | 1,330 |
| Retained earnings to average equity (ytd only) | 11.5319% | 774 |
| Net charge-offs to loans | 3.6257% | 81 |
| Credit loss provision to net charge-offs | 41.1111% | 2,733 |
| Earnings coverage of net charge-offs (x) | 1.8185% | 3,234 |
| Efficiency ratio | 68.2406% | 4,264 |
| Assets per employee ($millions) | 2.7561% | 6,348 |
| Cash dividends to net income (ytd only)* | 6.6079% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1239% | 125 |
| Loan loss allowance to noncurrent loans | 219.3893% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 1.0333% | 3,868 |
| Noncurrent loans to loans | 2.3355% | 2,242 |
| Net loans and leases to total assets | 41.9744% | 5,844 |
| Net loans and leases to deposits | 50.5394% | 5,749 |
| Net loans and leases to core deposits | 55.2767% | 5,582 |
| Total domestic deposits to total assets | 83.0528% | 4,840 |
| Equity capital to assets | 11.7651% | 2,205 |
| Core capital (leverage) ratio | 12.1592% | 1,480 |
| Tier 1 risk-based capital ratio | 25.0237% | 887 |
| Total risk-based capital ratio | 26.3197% | 868 |
| Memoranda: | ||
| Average total assets | $62,269,500 | 5,858 |
| Average earning assets | $42,816,500 | 6,252 |
| Average equity | $7,353,500 | 5,650 |
| Average total loans | $29,787,500 | 5,904 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 5,536 |
| Cost of funding earning assets | 1.0897% | 943 |
| Net interest margin | 2.8232% | 6,359 |
| Noninterest income to average assets | 4.7106% | 155 |
| Noninterest expense to average assets | 5.9112% | 228 |
| Loan and lease loss provision to assets | 0.6905% | 753 |
| Net operating income to assets | 0.2955% | 5,485 |
| Return on assets (ROA) | 0.2955% | 5,692 |
| Pretax return on assets | 0.5023% | 5,271 |
| Return on Equity (ROE) | 2.6313% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.8281% | 4,934 |
| Net charge-offs to loans | -0.2316% | 6,950 |
| Credit loss provision to net charge-offs | -616.6667% | 6,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2093% | 1,719 |
| Assets per employee ($millions) | 2.7795% | 6,337 |
| Cash dividends to net income (ytd only)* | 30.5263% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0650% | 129 |
| Loan loss allowance to noncurrent loans | 170.2559% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 2,941 |
| Noncurrent loans to loans | 2.9749% | 1,757 |
| Net loans and leases to total assets | 48.9517% | 5,312 |
| Net loans and leases to deposits | 60.1354% | 5,014 |
| Net loans and leases to core deposits | 65.6915% | 4,772 |
| Total domestic deposits to total assets | 81.4025% | 5,276 |
| Equity capital to assets | 11.8548% | 2,140 |
| Core capital (leverage) ratio | 11.4277% | 1,924 |
| Tier 1 risk-based capital ratio | 23.6191% | 1,016 |
| Total risk-based capital ratio | 24.9170% | 992 |
| Memoranda: | ||
| Average total assets | $64,301,400 | 5,804 |
| Average earning assets | $54,512,800 | 5,910 |
| Average equity | $7,220,800 | 5,699 |
| Average total loans | $31,082,400 | 5,892 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 5,385 |
| Cost of funding earning assets | 1.0627% | 1,225 |
| Net interest margin | 2.9791% | 6,206 |
| Noninterest income to average assets | 4.5188% | 163 |
| Noninterest expense to average assets | 5.7191% | 240 |
| Loan and lease loss provision to assets | 0.6821% | 755 |
| Net operating income to assets | 0.4609% | 4,991 |
| Return on assets (ROA) | 0.4609% | 5,240 |
| Pretax return on assets | 0.7763% | 4,573 |
| Return on Equity (ROE) | 4.1586% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.3639% | 4,501 |
| Net charge-offs to loans | -0.3229% | 7,056 |
| Credit loss provision to net charge-offs | -444.0000% | 6,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6804% | 2,139 |
| Assets per employee ($millions) | 2.9349% | 6,159 |
| Cash dividends to net income (ytd only)* | 19.1106% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6935% | 184 |
| Loan loss allowance to noncurrent loans | 617.8423% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 5,352 |
| Noncurrent loans to loans | 0.7597% | 4,899 |
| Net loans and leases to total assets | 49.0589% | 5,428 |
| Net loans and leases to deposits | 60.9818% | 5,087 |
| Net loans and leases to core deposits | 66.0651% | 4,945 |
| Total domestic deposits to total assets | 80.4485% | 5,532 |
| Equity capital to assets | 11.8494% | 2,395 |
| Core capital (leverage) ratio | 11.4447% | 2,027 |
| Tier 1 risk-based capital ratio | 24.4886% | 954 |
| Total risk-based capital ratio | 25.7857% | 943 |
| Memoranda: | ||
| Average total assets | $65,089,750 | 5,844 |
| Average earning assets | $58,091,250 | 5,879 |
| Average equity | $7,213,750 | 5,767 |
| Average total loans | $30,970,500 | 5,976 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 6,013 |
| Cost of funding earning assets | 1.0679% | 1,364 |
| Net interest margin | 2.7916% | 6,595 |
| Noninterest income to average assets | 4.5318% | 150 |
| Noninterest expense to average assets | 5.5433% | 265 |
| Loan and lease loss provision to assets | 0.6703% | 843 |
| Net operating income to assets | 0.5193% | 4,725 |
| Return on assets (ROA) | 0.5193% | 4,998 |
| Pretax return on assets | 0.8756% | 4,175 |
| Return on Equity (ROE) | 4.7884% | 4,912 |
| Retained earnings to average equity (ytd only) | 3.9811% | 3,964 |
| Net charge-offs to loans | -0.1302% | 6,912 |
| Credit loss provision to net charge-offs | -1,110.0000% | 6,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1942% | 2,435 |
| Assets per employee ($millions) | 3.1631% | 5,722 |
| Cash dividends to net income (ytd only)* | 16.8605% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2827% | 280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 6,471 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 44.5149% | 5,965 |
| Net loans and leases to deposits | 55.0531% | 5,765 |
| Net loans and leases to core deposits | 60.0740% | 5,580 |
| Total domestic deposits to total assets | 80.8581% | 5,517 |
| Equity capital to assets | 10.9266% | 3,201 |
| Core capital (leverage) ratio | 11.0849% | 2,223 |
| Tier 1 risk-based capital ratio | 25.7256% | 830 |
| Total risk-based capital ratio | 27.0196% | 811 |
| Memoranda: | ||
| Average total assets | $66,242,330 | 5,837 |
| Average earning assets | $60,682,670 | 5,814 |
| Average equity | $7,184,000 | 5,790 |
| Average total loans | $30,719,000 | 6,027 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 5,559 |
| Cost of funding earning assets | 1.1421% | 1,205 |
| Net interest margin | 2.9245% | 6,450 |
| Noninterest income to average assets | 4.3234% | 154 |
| Noninterest expense to average assets | 5.3574% | 289 |
| Loan and lease loss provision to assets | 0.6712% | 795 |
| Net operating income to assets | 0.5865% | 4,411 |
| Return on assets (ROA) | 0.5865% | 4,630 |
| Pretax return on assets | 0.9735% | 3,779 |
| Return on Equity (ROE) | 5.4289% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.5893% | 3,821 |
| Net charge-offs to loans | -0.1436% | 6,911 |
| Credit loss provision to net charge-offs | -1,009.0909% | 5,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5112% | 2,711 |
| Assets per employee ($millions) | 2.8902% | 6,368 |
| Cash dividends to net income (ytd only)* | 15.4639% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0004% | 368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 6,128 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 45.4029% | 5,854 |
| Net loans and leases to deposits | 57.5068% | 5,434 |
| Net loans and leases to core deposits | 62.6063% | 5,263 |
| Total domestic deposits to total assets | 78.9523% | 6,086 |
| Equity capital to assets | 11.3094% | 2,618 |
| Core capital (leverage) ratio | 10.4868% | 2,765 |
| Tier 1 risk-based capital ratio | 26.0446% | 799 |
| Total risk-based capital ratio | 27.3328% | 783 |
| Memoranda: | ||
| Average total assets | $66,151,000 | 5,881 |
| Average earning assets | $60,591,500 | 5,852 |
| Average equity | $7,147,000 | 5,824 |
| Average total loans | $30,632,500 | 6,080 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 6,488 |
| Cost of funding earning assets | 1.3218% | 1,383 |
| Net interest margin | 2.6596% | 6,961 |
| Noninterest income to average assets | 6.0219% | 103 |
| Noninterest expense to average assets | 5.7762% | 234 |
| Loan and lease loss provision to assets | 1.2939% | 634 |
| Net operating income to assets | 0.8258% | 2,924 |
| Return on assets (ROA) | 0.8258% | 3,093 |
| Pretax return on assets | 1.3797% | 1,843 |
| Return on Equity (ROE) | 8.1661% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.3322% | 1,351 |
| Net charge-offs to loans | 2.2809% | 553 |
| Credit loss provision to net charge-offs | 116.9514% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.4166% | 4,005 |
| Efficiency ratio | 68.3586% | 4,289 |
| Assets per employee ($millions) | 3.2723% | 5,575 |
| Cash dividends to net income (ytd only)* | 10.2113% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4655% | 548 |
| Loan loss allowance to noncurrent loans | 679.8742% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 5,674 |
| Noncurrent loans to loans | 0.5097% | 5,691 |
| Net loans and leases to total assets | 43.8197% | 6,224 |
| Net loans and leases to deposits | 55.1623% | 5,962 |
| Net loans and leases to core deposits | 60.9308% | 5,760 |
| Total domestic deposits to total assets | 79.4377% | 5,882 |
| Equity capital to assets | 10.3364% | 3,734 |
| Core capital (leverage) ratio | 10.2481% | 3,032 |
| Tier 1 risk-based capital ratio | 24.7578% | 891 |
| Total risk-based capital ratio | 26.0319% | 881 |
| Memoranda: | ||
| Average total assets | $68,782,000 | 5,783 |
| Average earning assets | $62,791,200 | 5,779 |
| Average equity | $6,955,600 | 5,876 |
| Average total loans | $33,364,600 | 5,988 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 6,612 |
| Cost of funding earning assets | 1.3482% | 1,460 |
| Net interest margin | 2.6372% | 7,044 |
| Noninterest income to average assets | 7.4477% | 81 |
| Noninterest expense to average assets | 5.7403% | 229 |
| Loan and lease loss provision to assets | 1.0465% | 805 |
| Net operating income to assets | 1.8469% | 475 |
| Return on assets (ROA) | 1.8469% | 509 |
| Pretax return on assets | 3.0795% | 131 |
| Return on Equity (ROE) | 18.3650% | 427 |
| Retained earnings to average equity (ytd only) | 17.5364% | 123 |
| Net charge-offs to loans | 2.4222% | 459 |
| Credit loss provision to net charge-offs | 87.6623% | 3,865 |
| Earnings coverage of net charge-offs (x) | 3.4562% | 3,430 |
| Efficiency ratio | 58.1811% | 5,980 |
| Assets per employee ($millions) | 3.5923% | 4,779 |
| Cash dividends to net income (ytd only)* | 4.5119% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0164% | 849 |
| Loan loss allowance to noncurrent loans | 394.5946% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 5,599 |
| Noncurrent loans to loans | 0.7644% | 5,341 |
| Net loans and leases to total assets | 41.2650% | 6,537 |
| Net loans and leases to deposits | 53.3580% | 6,263 |
| Net loans and leases to core deposits | 59.8568% | 6,003 |
| Total domestic deposits to total assets | 77.3361% | 6,323 |
| Equity capital to assets | 10.9942% | 3,152 |
| Core capital (leverage) ratio | 10.8231% | 2,551 |
| Tier 1 risk-based capital ratio | 27.0104% | 734 |
| Total risk-based capital ratio | 28.2394% | 726 |
| Memoranda: | ||
| Average total assets | $68,798,000 | 5,821 |
| Average earning assets | $63,095,500 | 5,804 |
| Average equity | $6,918,750 | 5,925 |
| Average total loans | $33,907,500 | 6,024 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 6,642 |
| Cost of funding earning assets | 1.3612% | 1,597 |
| Net interest margin | 2.6504% | 7,079 |
| Noninterest income to average assets | 7.3326% | 90 |
| Noninterest expense to average assets | 5.7177% | 236 |
| Loan and lease loss provision to assets | 1.3337% | 553 |
| Net operating income to assets | 1.6411% | 680 |
| Return on assets (ROA) | 1.6411% | 722 |
| Pretax return on assets | 2.7371% | 183 |
| Return on Equity (ROE) | 16.8360% | 570 |
| Retained earnings to average equity (ytd only) | 15.9734% | 208 |
| Net charge-offs to loans | 3.4788% | 256 |
| Credit loss provision to net charge-offs | 74.4337% | 3,934 |
| Earnings coverage of net charge-offs (x) | 2.2718% | 3,693 |
| Efficiency ratio | 58.4123% | 6,108 |
| Assets per employee ($millions) | 3.5954% | 4,699 |
| Cash dividends to net income (ytd only)* | 5.1237% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4969% | 1,451 |
| Loan loss allowance to noncurrent loans | 307.7519% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 6,184 |
| Noncurrent loans to loans | 0.8113% | 5,302 |
| Net loans and leases to total assets | 45.3873% | 6,318 |
| Net loans and leases to deposits | 58.6084% | 5,866 |
| Net loans and leases to core deposits | 65.9948% | 5,517 |
| Total domestic deposits to total assets | 77.4417% | 6,386 |
| Equity capital to assets | 10.3818% | 3,655 |
| Core capital (leverage) ratio | 10.4194% | 2,798 |
| Tier 1 risk-based capital ratio | 24.6192% | 942 |
| Total risk-based capital ratio | 25.8919% | 918 |
| Memoranda: | ||
| Average total assets | $68,979,330 | 5,854 |
| Average earning assets | $63,914,670 | 5,828 |
| Average equity | $6,723,670 | 6,012 |
| Average total loans | $35,529,670 | 5,989 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 6,937 |
| Cost of funding earning assets | 1.3650% | 1,806 |
| Net interest margin | 2.4485% | 7,229 |
| Noninterest income to average assets | 4.5129% | 146 |
| Noninterest expense to average assets | 5.5228% | 254 |
| Loan and lease loss provision to assets | 0.9233% | 859 |
| Net operating income to assets | 0.2193% | 5,719 |
| Return on assets (ROA) | 0.2193% | 5,782 |
| Pretax return on assets | 0.3751% | 5,416 |
| Return on Equity (ROE) | 2.3243% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.4680% | 5,226 |
| Net charge-offs to loans | 5.3911% | 133 |
| Credit loss provision to net charge-offs | 31.7460% | 4,089 |
| Earnings coverage of net charge-offs (x) | 0.4464% | 4,286 |
| Efficiency ratio | 80.9645% | 2,376 |
| Assets per employee ($millions) | 3.5862% | 4,783 |
| Cash dividends to net income (ytd only)* | 36.8421% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,675 |
| Loan loss allowance to noncurrent loans | 28.1019% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 3.1701% | 2,172 |
| Noncurrent loans to loans | 5.7439% | 1,129 |
| Net loans and leases to total assets | 54.2994% | 5,262 |
| Net loans and leases to deposits | 72.8565% | 3,940 |
| Net loans and leases to core deposits | 80.5986% | 3,655 |
| Total domestic deposits to total assets | 74.5293% | 6,852 |
| Equity capital to assets | 9.6101% | 4,303 |
| Core capital (leverage) ratio | 9.4972% | 3,815 |
| Tier 1 risk-based capital ratio | 21.6657% | 1,287 |
| Total risk-based capital ratio | 22.9237% | 1,261 |
| Memoranda: | ||
| Average total assets | $69,313,000 | 5,885 |
| Average earning assets | $65,347,000 | 5,817 |
| Average equity | $6,539,500 | 6,079 |
| Average total loans | $37,395,000 | 5,974 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 5,822 |
| Cost of funding earning assets | 1.6086% | 2,022 |
| Net interest margin | 3.0858% | 6,553 |
| Noninterest income to average assets | 3.2746% | 211 |
| Noninterest expense to average assets | 5.2301% | 358 |
| Loan and lease loss provision to assets | 0.2261% | 5,018 |
| Net operating income to assets | 0.4285% | 4,419 |
| Return on assets (ROA) | 0.4285% | 4,566 |
| Pretax return on assets | 0.7370% | 3,840 |
| Return on Equity (ROE) | 4.8145% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.9049% | 3,132 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4490% | 1,872 |
| Assets per employee ($millions) | 3.7099% | 4,438 |
| Cash dividends to net income (ytd only)* | 18.8925% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5602% | 1,331 |
| Loan loss allowance to noncurrent loans | 168.1979% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 5,401 |
| Noncurrent loans to loans | 1.5221% | 4,204 |
| Net loans and leases to total assets | 51.4023% | 6,003 |
| Net loans and leases to deposits | 69.0507% | 4,953 |
| Net loans and leases to core deposits | 78.4179% | 4,406 |
| Total domestic deposits to total assets | 74.4414% | 6,838 |
| Equity capital to assets | 9.2653% | 4,727 |
| Core capital (leverage) ratio | 9.0445% | 4,465 |
| Tier 1 risk-based capital ratio | 21.9417% | 1,186 |
| Total risk-based capital ratio | 23.2139% | 1,151 |
| Memoranda: | ||
| Average total assets | $71,643,200 | 5,829 |
| Average earning assets | $67,762,200 | 5,747 |
| Average equity | $6,376,600 | 6,240 |
| Average total loans | $38,041,800 | 6,005 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7698% | 5,786 |
| Cost of funding earning assets | 1.6486% | 2,113 |
| Net interest margin | 3.1212% | 6,560 |
| Noninterest income to average assets | 2.9119% | 226 |
| Noninterest expense to average assets | 5.2029% | 321 |
| Loan and lease loss provision to assets | 0.0686% | 6,383 |
| Net operating income to assets | 0.3596% | 4,932 |
| Return on assets (ROA) | 0.3596% | 5,111 |
| Pretax return on assets | 0.5987% | 4,596 |
| Return on Equity (ROE) | 4.0811% | 4,734 |
| Retained earnings to average equity (ytd only) | 3.1556% | 4,221 |
| Net charge-offs to loans | -0.0314% | 7,410 |
| Credit loss provision to net charge-offs | -411.1111% | 7,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6328% | 1,396 |
| Assets per employee ($millions) | 3.9623% | 3,917 |
| Cash dividends to net income (ytd only)* | 22.6823% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2645% | 1,678 |
| Loan loss allowance to noncurrent loans | 223.2620% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 6,115 |
| Noncurrent loans to loans | 1.0143% | 5,210 |
| Net loans and leases to total assets | 50.5300% | 6,266 |
| Net loans and leases to deposits | 70.0902% | 5,130 |
| Net loans and leases to core deposits | 79.3985% | 4,601 |
| Total domestic deposits to total assets | 72.0928% | 7,120 |
| Equity capital to assets | 9.0743% | 5,480 |
| Core capital (leverage) ratio | 8.9908% | 4,709 |
| Tier 1 risk-based capital ratio | 20.2802% | 1,488 |
| Total risk-based capital ratio | 21.5464% | 1,459 |
| Memoranda: | ||
| Average total assets | $71,931,750 | 5,889 |
| Average earning assets | $68,176,750 | 5,791 |
| Average equity | $6,338,000 | 6,337 |
| Average total loans | $38,256,000 | 6,083 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 5,744 |
| Cost of funding earning assets | 1.7396% | 1,923 |
| Net interest margin | 3.0751% | 6,666 |
| Noninterest income to average assets | 3.0748% | 217 |
| Noninterest expense to average assets | 5.2319% | 319 |
| Loan and lease loss provision to assets | 0.1026% | 5,888 |
| Net operating income to assets | 0.3826% | 4,840 |
| Return on assets (ROA) | 0.3826% | 5,000 |
| Pretax return on assets | 0.6516% | 4,394 |
| Return on Equity (ROE) | 4.3856% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.4640% | 3,898 |
| Net charge-offs to loans | -0.0465% | 7,437 |
| Credit loss provision to net charge-offs | -411.1111% | 6,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4016% | 1,570 |
| Assets per employee ($millions) | 4.2618% | 3,279 |
| Cash dividends to net income (ytd only)* | 21.0145% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2934% | 1,595 |
| Loan loss allowance to noncurrent loans | 752.2523% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 7,005 |
| Noncurrent loans to loans | 0.3049% | 6,614 |
| Net loans and leases to total assets | 49.1014% | 6,532 |
| Net loans and leases to deposits | 66.6717% | 5,723 |
| Net loans and leases to core deposits | 76.7045% | 5,113 |
| Total domestic deposits to total assets | 73.6467% | 7,020 |
| Equity capital to assets | 8.8972% | 5,606 |
| Core capital (leverage) ratio | 9.0592% | 4,510 |
| Tier 1 risk-based capital ratio | 19.3612% | 1,638 |
| Total risk-based capital ratio | 20.6262% | 1,600 |
| Memoranda: | ||
| Average total assets | $72,135,000 | 5,915 |
| Average earning assets | $68,291,330 | 5,819 |
| Average equity | $6,293,330 | 6,373 |
| Average total loans | $38,716,670 | 6,106 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 5,205 |
| Cost of funding earning assets | 1.8808% | 1,532 |
| Net interest margin | 3.0761% | 6,655 |
| Noninterest income to average assets | 1.0170% | 1,245 |
| Noninterest expense to average assets | 5.4350% | 281 |
| Loan and lease loss provision to assets | 0.2056% | 4,443 |
| Net operating income to assets | -1.2559% | 7,241 |
| Return on assets (ROA) | -1.2559% | 7,257 |
| Pretax return on assets | -1.7061% | 7,319 |
| Return on Equity (ROE) | -14.5408% | 7,300 |
| Retained earnings to average equity (ytd only) | -15.4415% | 7,228 |
| Net charge-offs to loans | 0.4615% | 2,661 |
| Credit loss provision to net charge-offs | 80.4348% | 3,870 |
| Earnings coverage of net charge-offs (x) | -5.8696% | 5,540 |
| Efficiency ratio | 138.1356% | 270 |
| Assets per employee ($millions) | 4.3769% | 3,167 |
| Cash dividends to net income (ytd only)* | -6.1947% | 7,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 2,181 |
| Loan loss allowance to noncurrent loans | 656.3025% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 7,051 |
| Noncurrent loans to loans | 0.3052% | 6,713 |
| Net loans and leases to total assets | 54.5666% | 5,946 |
| Net loans and leases to deposits | 76.0897% | 4,395 |
| Net loans and leases to core deposits | 85.3903% | 3,981 |
| Total domestic deposits to total assets | 71.7136% | 7,289 |
| Equity capital to assets | 8.7063% | 5,719 |
| Core capital (leverage) ratio | 8.4878% | 5,399 |
| Tier 1 risk-based capital ratio | 17.8662% | 1,982 |
| Total risk-based capital ratio | 19.1148% | 1,954 |
| Memoranda: | ||
| Average total assets | $71,977,500 | 5,994 |
| Average earning assets | $68,268,500 | 5,895 |
| Average equity | $6,217,000 | 6,444 |
| Average total loans | $39,870,500 | 6,124 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 7,321 |
| Cost of funding earning assets | 2.4891% | 1,046 |
| Net interest margin | 2.0777% | 7,713 |
| Noninterest income to average assets | 3.5980% | 190 |
| Noninterest expense to average assets | 4.6630% | 676 |
| Loan and lease loss provision to assets | 0.8058% | 2,722 |
| Net operating income to assets | 0.0545% | 5,321 |
| Return on assets (ROA) | 0.0545% | 5,381 |
| Pretax return on assets | 0.1037% | 5,211 |
| Return on Equity (ROE) | 0.6689% | 5,339 |
| Retained earnings to average equity (ytd only) | -0.1305% | 4,970 |
| Net charge-offs to loans | 0.8144% | 2,793 |
| Credit loss provision to net charge-offs | 169.7479% | 2,515 |
| Earnings coverage of net charge-offs (x) | 1.9160% | 4,286 |
| Efficiency ratio | 83.6793% | 2,393 |
| Assets per employee ($millions) | 4.9283% | 2,308 |
| Cash dividends to net income (ytd only)* | 119.5122% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 2,171 |
| Loan loss allowance to noncurrent loans | 692.9825% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 7,090 |
| Noncurrent loans to loans | 0.2798% | 6,729 |
| Net loans and leases to total assets | 54.0507% | 6,195 |
| Net loans and leases to deposits | 72.2419% | 5,290 |
| Net loans and leases to core deposits | 82.9534% | 5,821 |
| Total domestic deposits to total assets | 74.8191% | 6,894 |
| Equity capital to assets | 8.5722% | 5,763 |
| Core capital (leverage) ratio | 8.6845% | 4,946 |
| Tier 1 risk-based capital ratio | 17.3333% | 2,069 |
| Total risk-based capital ratio | 18.5952% | 2,027 |
| Memoranda: | ||
| Average total assets | $75,209,400 | 5,863 |
| Average earning assets | $71,472,600 | 5,767 |
| Average equity | $6,129,200 | 6,562 |
| Average total loans | $43,836,200 | 5,939 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 7,517 |
| Cost of funding earning assets | 2.5999% | 1,032 |
| Net interest margin | 1.8900% | 7,856 |
| Noninterest income to average assets | 3.3240% | 197 |
| Noninterest expense to average assets | 4.5437% | 709 |
| Loan and lease loss provision to assets | 0.7626% | 2,461 |
| Net operating income to assets | -0.1359% | 5,960 |
| Return on assets (ROA) | -0.1359% | 5,980 |
| Pretax return on assets | -0.1871% | 5,959 |
| Return on Equity (ROE) | -1.6893% | 6,052 |
| Retained earnings to average equity (ytd only) | -2.4353% | 5,808 |
| Net charge-offs to loans | 0.9953% | 1,981 |
| Credit loss provision to net charge-offs | 129.7297% | 3,862 |
| Earnings coverage of net charge-offs (x) | 0.9790% | 5,075 |
| Efficiency ratio | 88.7586% | 1,798 |
| Assets per employee ($millions) | 5.0041% | 2,137 |
| Cash dividends to net income (ytd only)* | -44.1555% | 7,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 2,773 |
| Loan loss allowance to noncurrent loans | 119.1806% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 5,696 |
| Noncurrent loans to loans | 1.3916% | 4,588 |
| Net loans and leases to total assets | 50.5582% | 6,734 |
| Net loans and leases to deposits | 68.2137% | 6,113 |
| Net loans and leases to core deposits | 78.0447% | 6,484 |
| Total domestic deposits to total assets | 74.1174% | 6,925 |
| Equity capital to assets | 8.3398% | 6,456 |
| Core capital (leverage) ratio | 8.1375% | 6,124 |
| Tier 1 risk-based capital ratio | 18.0180% | 1,982 |
| Total risk-based capital ratio | 19.2763% | 1,926 |
| Memoranda: | ||
| Average total assets | $75,530,500 | 5,888 |
| Average earning assets | $71,745,000 | 5,794 |
| Average equity | $6,077,250 | 6,637 |
| Average total loans | $44,608,500 | 5,941 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 7,566 |
| Cost of funding earning assets | 2.7324% | 956 |
| Net interest margin | 1.8383% | 7,928 |
| Noninterest income to average assets | 3.0864% | 205 |
| Noninterest expense to average assets | 4.3284% | 916 |
| Loan and lease loss provision to assets | 0.8720% | 1,931 |
| Net operating income to assets | -0.2537% | 6,266 |
| Return on assets (ROA) | -0.2537% | 6,281 |
| Pretax return on assets | -0.3699% | 6,296 |
| Return on Equity (ROE) | -3.1913% | 6,386 |
| Retained earnings to average equity (ytd only) | -3.8562% | 6,110 |
| Net charge-offs to loans | 1.1756% | 1,554 |
| Credit loss provision to net charge-offs | 120.4380% | 3,853 |
| Earnings coverage of net charge-offs (x) | 0.6934% | 5,023 |
| Efficiency ratio | 89.6061% | 1,849 |
| Assets per employee ($millions) | 5.1336% | 1,931 |
| Cash dividends to net income (ytd only)* | -20.8333% | 7,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 4,134 |
| Loan loss allowance to noncurrent loans | 75.2837% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 5,048 |
| Noncurrent loans to loans | 1.7588% | 3,867 |
| Net loans and leases to total assets | 54.1649% | 6,425 |
| Net loans and leases to deposits | 71.8786% | 5,749 |
| Net loans and leases to core deposits | 80.1275% | 6,396 |
| Total domestic deposits to total assets | 75.3561% | 6,686 |
| Equity capital to assets | 7.6140% | 7,166 |
| Core capital (leverage) ratio | 7.4852% | 7,042 |
| Tier 1 risk-based capital ratio | 17.5853% | 2,117 |
| Total risk-based capital ratio | 18.8389% | 2,073 |
| Memoranda: | ||
| Average total assets | $75,686,670 | 5,927 |
| Average earning assets | $71,804,000 | 5,832 |
| Average equity | $6,016,330 | 6,709 |
| Average total loans | $46,614,670 | 5,908 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7063% | 7,503 |
| Cost of funding earning assets | 2.7636% | 1,077 |
| Net interest margin | 1.9426% | 7,918 |
| Noninterest income to average assets | 4.6867% | 136 |
| Noninterest expense to average assets | 4.6480% | 620 |
| Loan and lease loss provision to assets | 0.7563% | 1,703 |
| Net operating income to assets | 0.6845% | 3,634 |
| Return on assets (ROA) | 0.6845% | 3,819 |
| Pretax return on assets | 1.1372% | 2,840 |
| Return on Equity (ROE) | 8.4103% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.0034% | 1,813 |
| Net charge-offs to loans | 2.0684% | 699 |
| Credit loss provision to net charge-offs | 55.9184% | 4,588 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 4,036 |
| Efficiency ratio | 71.0549% | 4,361 |
| Assets per employee ($millions) | 5.6032% | 1,469 |
| Cash dividends to net income (ytd only)* | 4.8387% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 6,987 |
| Loan loss allowance to noncurrent loans | 70.6362% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 5,336 |
| Noncurrent loans to loans | 1.1972% | 4,577 |
| Net loans and leases to total assets | 60.4036% | 5,590 |
| Net loans and leases to deposits | 81.1068% | 4,435 |
| Net loans and leases to core deposits | 88.8376% | 5,664 |
| Total domestic deposits to total assets | 74.4741% | 6,808 |
| Equity capital to assets | 7.7206% | 7,163 |
| Core capital (leverage) ratio | 8.9548% | 4,789 |
| Tier 1 risk-based capital ratio | 18.0660% | 2,039 |
| Total risk-based capital ratio | 19.2761% | 1,997 |
| Memoranda: | ||
| Average total assets | $72,461,000 | 6,050 |
| Average earning assets | $69,184,000 | 5,943 |
| Average equity | $5,897,500 | 6,812 |
| Average total loans | $47,378,500 | 5,896 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5568% | 2,687 |
| Cost of funding earning assets | 2.8850% | 2,328 |
| Net interest margin | 3.6718% | 4,596 |
| Noninterest income to average assets | 1.6460% | 510 |
| Noninterest expense to average assets | 6.2934% | 362 |
| Loan and lease loss provision to assets | -0.4507% | 8,292 |
| Net operating income to assets | -0.5399% | 6,951 |
| Return on assets (ROA) | -0.5457% | 6,840 |
| Pretax return on assets | -0.8291% | 6,898 |
| Return on Equity (ROE) | -5.6902% | 6,935 |
| Retained earnings to average equity (ytd only) | -5.6902% | 6,620 |
| Net charge-offs to loans | 0.5896% | 2,059 |
| Credit loss provision to net charge-offs | -113.7778% | 7,324 |
| Earnings coverage of net charge-offs (x) | -3.2089% | 6,774 |
| Efficiency ratio | 125.3067% | 508 |
| Assets per employee ($millions) | 3.8046% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 4,220 |
| Loan loss allowance to noncurrent loans | 59.5815% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.4916% | 3,240 |
| Noncurrent loans to loans | 2.0847% | 2,652 |
| Net loans and leases to total assets | 70.6624% | 3,867 |
| Net loans and leases to deposits | 108.2302% | 955 |
| Net loans and leases to core deposits | 120.9102% | 2,610 |
| Total domestic deposits to total assets | 65.2890% | 7,701 |
| Equity capital to assets | 8.7164% | 5,785 |
| Core capital (leverage) ratio | 8.7218% | 5,160 |
| Tier 1 risk-based capital ratio | 14.8849% | 3,104 |
| Total risk-based capital ratio | 16.1375% | 3,021 |
| Memoranda: | ||
| Average total assets | $56,805,800 | 6,501 |
| Average earning assets | $52,236,000 | 6,497 |
| Average equity | $5,448,000 | 6,997 |
| Average total loans | $38,161,800 | 6,263 |