Home > Liberty Bank > Performance and Condition Ratios
Liberty 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 | 5.5724% | 1,069 |
| Cost of funding earning assets | 1.1407% | 2,956 |
| Net interest margin | 4.4317% | 679 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.8868% | 1,302 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2891% | 1,452 |
| Return on assets (ROA) | 1.2891% | 1,426 |
| Pretax return on assets | 1.6874% | 1,083 |
| Return on Equity (ROE) | 12.3300% | 1,883 |
| Retained earnings to average equity (ytd only) | 8.0828% | 1,512 |
| Net charge-offs to loans | 0.0136% | 2,148 |
| Credit loss provision to net charge-offs | 968.7500% | 425 |
| Earnings coverage of net charge-offs (x) | 208.2500% | 572 |
| Efficiency ratio | 61.9938% | 2,831 |
| Assets per employee ($millions) | 3.5762% | 4,280 |
| Cash dividends to net income (ytd only)* | 34.4458% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 3,178 |
| Loan loss allowance to noncurrent loans | 300.0000% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 2,096 |
| Noncurrent loans to loans | 0.3424% | 1,955 |
| Net loans and leases to total assets | 65.2800% | 2,335 |
| Net loans and leases to deposits | 73.6818% | 2,639 |
| Net loans and leases to core deposits | 81.2473% | 2,636 |
| Total domestic deposits to total assets | 88.5900% | 1,183 |
| Equity capital to assets | 10.8926% | 1,528 |
| Core capital (leverage) ratio | 11.7318% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $188,274,000 | 3,064 |
| Average earning assets | $175,937,800 | 3,044 |
| Average equity | $19,683,800 | 2,883 |
| Average total loans | $117,543,000 | 2,983 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 1,122 |
| Cost of funding earning assets | 1.0151% | 2,996 |
| Net interest margin | 4.3962% | 704 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.8864% | 1,253 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3315% | 1,468 |
| Return on assets (ROA) | 1.3315% | 1,451 |
| Pretax return on assets | 1.6528% | 1,254 |
| Return on Equity (ROE) | 12.8700% | 1,926 |
| Retained earnings to average equity (ytd only) | 12.8713% | 836 |
| Net charge-offs to loans | 0.0300% | 1,480 |
| Credit loss provision to net charge-offs | 461.5385% | 674 |
| Earnings coverage of net charge-offs (x) | 94.2308% | 948 |
| Efficiency ratio | 62.4175% | 2,670 |
| Assets per employee ($millions) | 3.7388% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,242 |
| Loan loss allowance to noncurrent loans | 297.3621% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,169 |
| Noncurrent loans to loans | 0.3441% | 1,994 |
| Net loans and leases to total assets | 62.9000% | 2,576 |
| Net loans and leases to deposits | 70.6644% | 2,797 |
| Net loans and leases to core deposits | 76.9317% | 2,801 |
| Total domestic deposits to total assets | 89.0200% | 1,242 |
| Equity capital to assets | 10.5192% | 1,547 |
| Core capital (leverage) ratio | 12.0488% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $187,957,250 | 3,076 |
| Average earning assets | $175,481,250 | 3,060 |
| Average equity | $19,443,250 | 2,895 |
| Average total loans | $115,676,500 | 3,003 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 1,101 |
| Cost of funding earning assets | 0.8632% | 3,042 |
| Net interest margin | 4.4204% | 682 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.9257% | 1,162 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3548% | 1,438 |
| Return on assets (ROA) | 1.3548% | 1,423 |
| Pretax return on assets | 1.6756% | 1,263 |
| Return on Equity (ROE) | 13.1700% | 1,866 |
| Retained earnings to average equity (ytd only) | 13.1716% | 785 |
| Net charge-offs to loans | 0.0439% | 1,067 |
| Credit loss provision to net charge-offs | 240.0000% | 975 |
| Earnings coverage of net charge-offs (x) | 65.0800% | 1,154 |
| Efficiency ratio | 62.7091% | 2,624 |
| Assets per employee ($millions) | 3.7007% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,311 |
| Loan loss allowance to noncurrent loans | 361.1621% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,341 |
| Noncurrent loans to loans | 0.2840% | 2,129 |
| Net loans and leases to total assets | 60.3900% | 2,737 |
| Net loans and leases to deposits | 67.7563% | 2,930 |
| Net loans and leases to core deposits | 72.9878% | 2,962 |
| Total domestic deposits to total assets | 89.1300% | 1,206 |
| Equity capital to assets | 10.4770% | 1,611 |
| Core capital (leverage) ratio | 11.5296% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $187,033,667 | 3,087 |
| Average earning assets | $174,691,000 | 3,071 |
| Average equity | $19,238,333 | 2,926 |
| Average total loans | $113,840,333 | 3,019 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 786 |
| Cost of funding earning assets | 0.6793% | 3,123 |
| Net interest margin | 4.6622% | 472 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.8853% | 1,260 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.6006% | 976 |
| Return on assets (ROA) | 1.6006% | 972 |
| Pretax return on assets | 1.9164% | 888 |
| Return on Equity (ROE) | 15.7100% | 1,417 |
| Retained earnings to average equity (ytd only) | 15.7086% | 718 |
| Net charge-offs to loans | -0.0177% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.8218% | 2,978 |
| Assets per employee ($millions) | 3.6316% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,426 |
| Loan loss allowance to noncurrent loans | 392.2297% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 2,408 |
| Noncurrent loans to loans | 0.2604% | 2,216 |
| Net loans and leases to total assets | 59.5700% | 2,705 |
| Net loans and leases to deposits | 66.6029% | 2,885 |
| Net loans and leases to core deposits | 70.7049% | 2,900 |
| Total domestic deposits to total assets | 89.4400% | 1,362 |
| Equity capital to assets | 10.2381% | 1,704 |
| Core capital (leverage) ratio | 11.3989% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $186,182,000 | 3,129 |
| Average earning assets | $167,819,000 | 3,167 |
| Average equity | $18,970,500 | 2,981 |
| Average total loans | $113,181,500 | 3,060 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 812 |
| Cost of funding earning assets | 0.2845% | 3,004 |
| Net interest margin | 4.1582% | 596 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.7655% | 1,397 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1390% | 2,015 |
| Return on assets (ROA) | 1.1390% | 1,963 |
| Pretax return on assets | 1.4509% | 1,612 |
| Return on Equity (ROE) | 11.3500% | 2,363 |
| Retained earnings to average equity (ytd only) | 8.0166% | 1,823 |
| Net charge-offs to loans | 0.0138% | 1,867 |
| Credit loss provision to net charge-offs | 1,500.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 210.3571% | 628 |
| Efficiency ratio | 63.9005% | 2,510 |
| Assets per employee ($millions) | 3.5293% | 4,428 |
| Cash dividends to net income (ytd only)* | 29.3433% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,275 |
| Loan loss allowance to noncurrent loans | 278.1553% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,031 |
| Noncurrent loans to loans | 0.3655% | 1,830 |
| Net loans and leases to total assets | 60.7900% | 2,574 |
| Net loans and leases to deposits | 67.8401% | 2,739 |
| Net loans and leases to core deposits | 71.2727% | 2,775 |
| Total domestic deposits to total assets | 89.6100% | 1,512 |
| Equity capital to assets | 10.1389% | 1,641 |
| Core capital (leverage) ratio | 10.9287% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $188,498,800 | 3,117 |
| Average earning assets | $171,540,200 | 3,134 |
| Average equity | $18,923,200 | 3,045 |
| Average total loans | $101,427,200 | 3,132 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 822 |
| Cost of funding earning assets | 0.2584% | 2,625 |
| Net interest margin | 3.9825% | 658 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.7032% | 1,463 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1131% | 2,040 |
| Return on assets (ROA) | 1.1131% | 2,008 |
| Pretax return on assets | 1.3653% | 1,830 |
| Return on Equity (ROE) | 11.1100% | 2,331 |
| Retained earnings to average equity (ytd only) | 11.1142% | 1,019 |
| Net charge-offs to loans | 0.0041% | 2,060 |
| Credit loss provision to net charge-offs | 4,166.6667% | 133 |
| Earnings coverage of net charge-offs (x) | 689.3333% | 240 |
| Efficiency ratio | 65.0380% | 2,401 |
| Assets per employee ($millions) | 3.8347% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,440 |
| Loan loss allowance to noncurrent loans | 312.2449% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 2,303 |
| Noncurrent loans to loans | 0.3225% | 2,079 |
| Net loans and leases to total assets | 54.9200% | 3,012 |
| Net loans and leases to deposits | 60.9533% | 3,115 |
| Net loans and leases to core deposits | 63.8110% | 3,135 |
| Total domestic deposits to total assets | 90.0900% | 1,619 |
| Equity capital to assets | 9.7208% | 1,758 |
| Core capital (leverage) ratio | 10.8003% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $189,743,250 | 3,129 |
| Average earning assets | $171,814,000 | 3,157 |
| Average equity | $19,002,250 | 3,077 |
| Average total loans | $98,607,250 | 3,174 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 912 |
| Cost of funding earning assets | 0.2507% | 2,260 |
| Net interest margin | 3.7646% | 813 |
| Noninterest income to average assets | 0.5786% | 1,834 |
| Noninterest expense to average assets | 2.7618% | 1,247 |
| Loan and lease loss provision to assets | 0.0635% | 1,461 |
| Net operating income to assets | 0.9202% | 2,486 |
| Return on assets (ROA) | 0.9202% | 2,456 |
| Pretax return on assets | 1.1530% | 2,233 |
| Return on Equity (ROE) | 9.0987% | 2,667 |
| Retained earnings to average equity (ytd only) | 9.0987% | 1,259 |
| Net charge-offs to loans | -0.0125% | 3,672 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4230% | 2,043 |
| Assets per employee ($millions) | 3.8307% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,565 |
| Loan loss allowance to noncurrent loans | 292.7954% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 2,348 |
| Noncurrent loans to loans | 0.3438% | 2,115 |
| Net loans and leases to total assets | 52.1664% | 3,133 |
| Net loans and leases to deposits | 57.7825% | 3,243 |
| Net loans and leases to core deposits | 61.3718% | 3,170 |
| Total domestic deposits to total assets | 90.2806% | 1,589 |
| Equity capital to assets | 9.5445% | 1,981 |
| Core capital (leverage) ratio | 10.5257% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,079,667 | 3,169 |
| Average earning assets | $170,749,333 | 3,208 |
| Average equity | $19,123,667 | 3,139 |
| Average total loans | $96,022,000 | 3,240 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 904 |
| Cost of funding earning assets | 0.2555% | 2,096 |
| Net interest margin | 3.6596% | 807 |
| Noninterest income to average assets | 0.5025% | 2,126 |
| Noninterest expense to average assets | 2.7085% | 1,339 |
| Loan and lease loss provision to assets | 0.0639% | 1,268 |
| Net operating income to assets | 0.7900% | 2,696 |
| Return on assets (ROA) | 0.7900% | 2,694 |
| Pretax return on assets | 1.0242% | 2,369 |
| Return on Equity (ROE) | 7.5927% | 2,842 |
| Retained earnings to average equity (ytd only) | 7.5927% | 1,705 |
| Net charge-offs to loans | 0.0727% | 630 |
| Credit loss provision to net charge-offs | 176.4706% | 814 |
| Earnings coverage of net charge-offs (x) | 30.0588% | 1,130 |
| Efficiency ratio | 71.3404% | 2,064 |
| Assets per employee ($millions) | 3.4763% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,743 |
| Loan loss allowance to noncurrent loans | 276.7241% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 2,382 |
| Noncurrent loans to loans | 0.3607% | 2,187 |
| Net loans and leases to total assets | 49.9569% | 3,178 |
| Net loans and leases to deposits | 55.7692% | 3,289 |
| Net loans and leases to core deposits | 59.4784% | 3,189 |
| Total domestic deposits to total assets | 89.5779% | 1,779 |
| Equity capital to assets | 10.0131% | 1,880 |
| Core capital (leverage) ratio | 10.5286% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,852,000 | 3,185 |
| Average earning assets | $169,088,500 | 3,233 |
| Average equity | $19,545,000 | 3,182 |
| Average total loans | $93,566,500 | 3,280 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 394 |
| Cost of funding earning assets | 0.3348% | 2,068 |
| Net interest margin | 4.4118% | 320 |
| Noninterest income to average assets | 0.6127% | 2,101 |
| Noninterest expense to average assets | 2.8303% | 1,288 |
| Loan and lease loss provision to assets | 0.0282% | 2,493 |
| Net operating income to assets | 1.3146% | 1,562 |
| Return on assets (ROA) | 1.3146% | 1,601 |
| Pretax return on assets | 1.6981% | 1,150 |
| Return on Equity (ROE) | 11.7890% | 1,884 |
| Retained earnings to average equity (ytd only) | 7.8138% | 1,613 |
| Net charge-offs to loans | 0.0144% | 2,029 |
| Credit loss provision to net charge-offs | 384.6154% | 928 |
| Earnings coverage of net charge-offs (x) | 235.1538% | 490 |
| Efficiency ratio | 62.1143% | 2,852 |
| Assets per employee ($millions) | 3.4168% | 4,609 |
| Cash dividends to net income (ytd only)* | 33.7199% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,583 |
| Loan loss allowance to noncurrent loans | 201.4862% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 2,123 |
| Noncurrent loans to loans | 0.5196% | 1,828 |
| Net loans and leases to total assets | 48.6187% | 3,443 |
| Net loans and leases to deposits | 54.7192% | 3,539 |
| Net loans and leases to core deposits | 58.5268% | 3,432 |
| Total domestic deposits to total assets | 88.8513% | 1,595 |
| Equity capital to assets | 10.8100% | 1,933 |
| Core capital (leverage) ratio | 10.4823% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,084,600 | 3,234 |
| Average earning assets | $158,301,000 | 3,295 |
| Average equity | $19,747,200 | 3,237 |
| Average total loans | $90,143,800 | 3,335 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 297 |
| Cost of funding earning assets | 0.3536% | 2,081 |
| Net interest margin | 4.6487% | 242 |
| Noninterest income to average assets | 0.6452% | 2,027 |
| Noninterest expense to average assets | 2.8784% | 1,167 |
| Loan and lease loss provision to assets | 0.0382% | 2,228 |
| Net operating income to assets | 1.4350% | 1,427 |
| Return on assets (ROA) | 1.4350% | 1,497 |
| Pretax return on assets | 1.8695% | 1,003 |
| Return on Equity (ROE) | 12.7659% | 1,776 |
| Retained earnings to average equity (ytd only) | 12.7659% | 676 |
| Net charge-offs to loans | 0.0207% | 1,634 |
| Credit loss provision to net charge-offs | 357.1429% | 922 |
| Earnings coverage of net charge-offs (x) | 179.0714% | 603 |
| Efficiency ratio | 60.1431% | 2,965 |
| Assets per employee ($millions) | 3.6392% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,668 |
| Loan loss allowance to noncurrent loans | 181.8008% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 2,065 |
| Noncurrent loans to loans | 0.5770% | 1,868 |
| Net loans and leases to total assets | 49.1993% | 3,505 |
| Net loans and leases to deposits | 55.7339% | 3,604 |
| Net loans and leases to core deposits | 59.6901% | 3,489 |
| Total domestic deposits to total assets | 88.2753% | 1,670 |
| Equity capital to assets | 11.2960% | 1,815 |
| Core capital (leverage) ratio | 10.8673% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,229,500 | 3,282 |
| Average earning assets | $156,083,750 | 3,349 |
| Average equity | $19,697,750 | 3,283 |
| Average total loans | $90,016,500 | 3,378 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4409% | 186 |
| Cost of funding earning assets | 0.3767% | 2,077 |
| Net interest margin | 5.0642% | 157 |
| Noninterest income to average assets | 0.7018% | 1,801 |
| Noninterest expense to average assets | 2.9898% | 1,004 |
| Loan and lease loss provision to assets | 0.0590% | 1,851 |
| Net operating income to assets | 1.7759% | 756 |
| Return on assets (ROA) | 1.7759% | 794 |
| Pretax return on assets | 2.1759% | 602 |
| Return on Equity (ROE) | 15.8250% | 988 |
| Retained earnings to average equity (ytd only) | 15.8250% | 349 |
| Net charge-offs to loans | 0.0378% | 1,255 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 113.7059% | 692 |
| Efficiency ratio | 57.2250% | 3,373 |
| Assets per employee ($millions) | 3.2767% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,683 |
| Loan loss allowance to noncurrent loans | 197.0894% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 2,299 |
| Noncurrent loans to loans | 0.5267% | 2,093 |
| Net loans and leases to total assets | 50.1484% | 3,545 |
| Net loans and leases to deposits | 56.7062% | 3,667 |
| Net loans and leases to core deposits | 60.7578% | 3,566 |
| Total domestic deposits to total assets | 88.4356% | 1,600 |
| Equity capital to assets | 11.2265% | 1,816 |
| Core capital (leverage) ratio | 10.7615% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1419% | 1,303 |
| Memoranda: | ||
| Average total assets | $172,986,667 | 3,310 |
| Average earning assets | $154,496,333 | 3,369 |
| Average equity | $19,412,333 | 3,295 |
| Average total loans | $89,865,000 | 3,400 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 507 |
| Cost of funding earning assets | 0.4164% | 1,961 |
| Net interest margin | 4.3580% | 465 |
| Noninterest income to average assets | 0.5479% | 2,413 |
| Noninterest expense to average assets | 2.9946% | 1,005 |
| Loan and lease loss provision to assets | 0.0472% | 2,132 |
| Net operating income to assets | 1.2210% | 2,063 |
| Return on assets (ROA) | 1.2210% | 2,147 |
| Pretax return on assets | 1.3863% | 2,318 |
| Return on Equity (ROE) | 10.8828% | 2,399 |
| Retained earnings to average equity (ytd only) | 10.8828% | 1,430 |
| Net charge-offs to loans | -0.0045% | 3,348 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6267% | 1,990 |
| Assets per employee ($millions) | 3.8741% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 3,662 |
| Loan loss allowance to noncurrent loans | 178.9272% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 2,335 |
| Noncurrent loans to loans | 0.5856% | 2,107 |
| Net loans and leases to total assets | 50.5980% | 3,574 |
| Net loans and leases to deposits | 57.0205% | 3,714 |
| Net loans and leases to core deposits | 61.2588% | 3,626 |
| Total domestic deposits to total assets | 88.7365% | 1,479 |
| Equity capital to assets | 10.9417% | 1,905 |
| Core capital (leverage) ratio | 10.9642% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5252% | 3,009 |
| Memoranda: | ||
| Average total assets | $169,371,500 | 3,340 |
| Average earning assets | $150,802,500 | 3,408 |
| Average equity | $19,002,500 | 3,330 |
| Average total loans | $89,135,500 | 3,425 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 462 |
| Cost of funding earning assets | 0.7125% | 1,659 |
| Net interest margin | 4.3118% | 498 |
| Noninterest income to average assets | 0.5814% | 2,297 |
| Noninterest expense to average assets | 3.1807% | 1,090 |
| Loan and lease loss provision to assets | 0.2221% | 1,765 |
| Net operating income to assets | 0.8396% | 2,943 |
| Return on assets (ROA) | 0.9143% | 2,769 |
| Pretax return on assets | 1.0939% | 2,721 |
| Return on Equity (ROE) | 7.7889% | 2,894 |
| Retained earnings to average equity (ytd only) | 4.9202% | 2,306 |
| Net charge-offs to loans | 0.3710% | 469 |
| Credit loss provision to net charge-offs | 107.4766% | 2,745 |
| Earnings coverage of net charge-offs (x) | 5.9377% | 2,824 |
| Efficiency ratio | 72.1589% | 1,660 |
| Assets per employee ($millions) | 3.1617% | 4,770 |
| Cash dividends to net income (ytd only)* | 36.8310% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,783 |
| Loan loss allowance to noncurrent loans | 175.2399% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 2,469 |
| Noncurrent loans to loans | 0.5846% | 2,241 |
| Net loans and leases to total assets | 53.6555% | 3,520 |
| Net loans and leases to deposits | 60.8346% | 3,691 |
| Net loans and leases to core deposits | 65.9433% | 3,546 |
| Total domestic deposits to total assets | 88.1990% | 1,375 |
| Equity capital to assets | 11.5139% | 1,873 |
| Core capital (leverage) ratio | 11.0019% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6334% | 1,368 |
| Memoranda: | ||
| Average total assets | $155,313,600 | 3,336 |
| Average earning assets | $137,829,600 | 3,411 |
| Average equity | $18,231,000 | 3,345 |
| Average total loans | $86,514,800 | 3,461 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 468 |
| Cost of funding earning assets | 0.7807% | 1,586 |
| Net interest margin | 4.3555% | 515 |
| Noninterest income to average assets | 0.5863% | 2,227 |
| Noninterest expense to average assets | 3.2122% | 1,056 |
| Loan and lease loss provision to assets | 0.2659% | 1,530 |
| Net operating income to assets | 0.8350% | 2,964 |
| Return on assets (ROA) | 0.9392% | 2,695 |
| Pretax return on assets | 1.0934% | 2,773 |
| Return on Equity (ROE) | 7.9601% | 2,821 |
| Retained earnings to average equity (ytd only) | 7.9601% | 1,316 |
| Net charge-offs to loans | 0.4441% | 356 |
| Credit loss provision to net charge-offs | 106.2937% | 2,575 |
| Earnings coverage of net charge-offs (x) | 4.9685% | 2,775 |
| Efficiency ratio | 72.1809% | 1,619 |
| Assets per employee ($millions) | 3.0987% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,595 |
| Loan loss allowance to noncurrent loans | 188.1743% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 2,700 |
| Noncurrent loans to loans | 0.5439% | 2,440 |
| Net loans and leases to total assets | 55.5010% | 3,662 |
| Net loans and leases to deposits | 63.3324% | 3,838 |
| Net loans and leases to core deposits | 68.9054% | 3,702 |
| Total domestic deposits to total assets | 87.6344% | 1,380 |
| Equity capital to assets | 12.0511% | 1,643 |
| Core capital (leverage) ratio | 11.2647% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1459% | 895 |
| Memoranda: | ||
| Average total assets | $153,039,500 | 3,348 |
| Average earning assets | $135,763,750 | 3,414 |
| Average equity | $18,056,250 | 3,362 |
| Average total loans | $85,861,500 | 3,486 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 525 |
| Cost of funding earning assets | 0.8536% | 1,582 |
| Net interest margin | 4.3906% | 636 |
| Noninterest income to average assets | 0.5932% | 2,153 |
| Noninterest expense to average assets | 3.2899% | 1,013 |
| Loan and lease loss provision to assets | 0.3369% | 1,270 |
| Net operating income to assets | 0.7107% | 3,358 |
| Return on assets (ROA) | 0.8139% | 3,111 |
| Pretax return on assets | 0.9698% | 3,112 |
| Return on Equity (ROE) | 6.9500% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.9500% | 1,683 |
| Net charge-offs to loans | 0.3132% | 516 |
| Credit loss provision to net charge-offs | 191.7293% | 1,954 |
| Earnings coverage of net charge-offs (x) | 6.7368% | 2,419 |
| Efficiency ratio | 73.5381% | 1,505 |
| Assets per employee ($millions) | 3.0767% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 2,738 |
| Loan loss allowance to noncurrent loans | 199.6055% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 2,270 |
| Noncurrent loans to loans | 0.5804% | 2,413 |
| Net loans and leases to total assets | 53.9647% | 3,877 |
| Net loans and leases to deposits | 61.2847% | 4,055 |
| Net loans and leases to core deposits | 66.7806% | 3,936 |
| Total domestic deposits to total assets | 88.0558% | 1,143 |
| Equity capital to assets | 11.5785% | 1,920 |
| Core capital (leverage) ratio | 11.1749% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3768% | 1,399 |
| Memoranda: | ||
| Average total assets | $151,374,333 | 3,346 |
| Average earning assets | $133,787,333 | 3,424 |
| Average equity | $17,726,667 | 3,392 |
| Average total loans | $84,942,667 | 3,502 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 616 |
| Cost of funding earning assets | 0.9630% | 1,592 |
| Net interest margin | 4.2754% | 799 |
| Noninterest income to average assets | 0.6664% | 1,779 |
| Noninterest expense to average assets | 3.2964% | 1,234 |
| Loan and lease loss provision to assets | 0.2040% | 1,494 |
| Net operating income to assets | 0.9220% | 2,449 |
| Return on assets (ROA) | 0.9220% | 2,556 |
| Pretax return on assets | 0.9819% | 2,901 |
| Return on Equity (ROE) | 7.8255% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.8255% | 1,284 |
| Net charge-offs to loans | 0.0191% | 1,985 |
| Credit loss provision to net charge-offs | 1,875.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 545 |
| Efficiency ratio | 73.5437% | 1,881 |
| Assets per employee ($millions) | 2.6976% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,972 |
| Loan loss allowance to noncurrent loans | 87.2727% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 1,539 |
| Noncurrent loans to loans | 1.3099% | 1,246 |
| Net loans and leases to total assets | 56.9880% | 3,755 |
| Net loans and leases to deposits | 64.8910% | 3,931 |
| Net loans and leases to core deposits | 71.3347% | 3,794 |
| Total domestic deposits to total assets | 87.8212% | 1,174 |
| Equity capital to assets | 11.9447% | 2,112 |
| Core capital (leverage) ratio | 11.5742% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5804% | 1,448 |
| Memoranda: | ||
| Average total assets | $147,068,500 | 3,365 |
| Average earning assets | $131,261,500 | 3,431 |
| Average equity | $17,328,000 | 3,438 |
| Average total loans | $83,740,000 | 3,520 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 974 |
| Cost of funding earning assets | 0.9708% | 1,855 |
| Net interest margin | 4.2371% | 1,239 |
| Noninterest income to average assets | 0.7034% | 1,807 |
| Noninterest expense to average assets | 3.4133% | 1,089 |
| Loan and lease loss provision to assets | 0.1506% | 1,416 |
| Net operating income to assets | 0.8153% | 3,516 |
| Return on assets (ROA) | 0.8153% | 3,603 |
| Pretax return on assets | 0.9058% | 3,727 |
| Return on Equity (ROE) | 7.1136% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.9607% | 2,981 |
| Net charge-offs to loans | 0.1916% | 1,055 |
| Credit loss provision to net charge-offs | 140.6452% | 1,841 |
| Earnings coverage of net charge-offs (x) | 9.8645% | 2,625 |
| Efficiency ratio | 76.3642% | 1,320 |
| Assets per employee ($millions) | 2.7494% | 4,925 |
| Cash dividends to net income (ytd only)* | 44.3220% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,143 |
| Loan loss allowance to noncurrent loans | 80.0901% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 1,481 |
| Noncurrent loans to loans | 1.3293% | 1,127 |
| Net loans and leases to total assets | 55.6464% | 3,946 |
| Net loans and leases to deposits | 63.1027% | 4,130 |
| Net loans and leases to core deposits | 72.8877% | 3,804 |
| Total domestic deposits to total assets | 88.1838% | 1,040 |
| Equity capital to assets | 11.6229% | 2,404 |
| Core capital (leverage) ratio | 11.3250% | 2,229 |
| Tier 1 risk-based capital ratio | 15.5255% | 2,575 |
| Total risk-based capital ratio | 16.3451% | 2,674 |
| Memoranda: | ||
| Average total assets | $144,726,400 | 3,373 |
| Average earning assets | $128,650,600 | 3,449 |
| Average equity | $16,588,000 | 3,484 |
| Average total loans | $80,897,400 | 3,585 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1988% | 1,044 |
| Cost of funding earning assets | 0.9549% | 1,972 |
| Net interest margin | 4.2439% | 1,271 |
| Noninterest income to average assets | 0.6825% | 1,862 |
| Noninterest expense to average assets | 3.3733% | 1,131 |
| Loan and lease loss provision to assets | 0.1502% | 1,262 |
| Net operating income to assets | 0.8280% | 3,584 |
| Return on assets (ROA) | 0.8280% | 3,665 |
| Pretax return on assets | 0.9254% | 3,805 |
| Return on Equity (ROE) | 7.2507% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.2507% | 1,735 |
| Net charge-offs to loans | 0.0266% | 2,560 |
| Credit loss provision to net charge-offs | 1,012.5000% | 342 |
| Earnings coverage of net charge-offs (x) | 72.5096% | 922 |
| Efficiency ratio | 75.8233% | 1,353 |
| Assets per employee ($millions) | 3.0204% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,544 |
| Loan loss allowance to noncurrent loans | 86.2467% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 1,510 |
| Noncurrent loans to loans | 1.3838% | 1,112 |
| Net loans and leases to total assets | 54.3695% | 4,153 |
| Net loans and leases to deposits | 61.8077% | 4,302 |
| Net loans and leases to core deposits | 71.4052% | 3,983 |
| Total domestic deposits to total assets | 87.9657% | 1,049 |
| Equity capital to assets | 11.7620% | 2,444 |
| Core capital (leverage) ratio | 11.7211% | 2,066 |
| Tier 1 risk-based capital ratio | 16.9205% | 2,107 |
| Total risk-based capital ratio | 17.8836% | 2,145 |
| Memoranda: | ||
| Average total assets | $143,791,500 | 3,417 |
| Average earning assets | $127,616,500 | 3,491 |
| Average equity | $16,421,000 | 3,526 |
| Average total loans | $80,245,500 | 3,635 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 1,065 |
| Cost of funding earning assets | 0.9193% | 2,054 |
| Net interest margin | 4.2435% | 1,259 |
| Noninterest income to average assets | 0.6812% | 1,792 |
| Noninterest expense to average assets | 3.3570% | 1,180 |
| Loan and lease loss provision to assets | 0.1320% | 1,417 |
| Net operating income to assets | 0.8891% | 3,326 |
| Return on assets (ROA) | 0.8891% | 3,391 |
| Pretax return on assets | 0.9720% | 3,637 |
| Return on Equity (ROE) | 7.8673% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.8673% | 1,442 |
| Net charge-offs to loans | 0.0050% | 2,978 |
| Credit loss provision to net charge-offs | 4,700.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 393.0000% | 201 |
| Efficiency ratio | 75.2519% | 1,489 |
| Assets per employee ($millions) | 2.7833% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 2,917 |
| Loan loss allowance to noncurrent loans | 87.1795% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 1,606 |
| Noncurrent loans to loans | 1.2936% | 1,219 |
| Net loans and leases to total assets | 55.6094% | 4,097 |
| Net loans and leases to deposits | 63.1596% | 4,264 |
| Net loans and leases to core deposits | 71.7388% | 4,024 |
| Total domestic deposits to total assets | 88.0459% | 1,085 |
| Equity capital to assets | 11.7247% | 2,413 |
| Core capital (leverage) ratio | 11.5359% | 2,129 |
| Tier 1 risk-based capital ratio | 16.0057% | 2,409 |
| Total risk-based capital ratio | 16.8794% | 2,505 |
| Memoranda: | ||
| Average total assets | $142,388,000 | 3,456 |
| Average earning assets | $126,829,670 | 3,521 |
| Average equity | $16,092,000 | 3,563 |
| Average total loans | $79,847,330 | 3,662 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 1,075 |
| Cost of funding earning assets | 0.8571% | 2,234 |
| Net interest margin | 4.2568% | 1,177 |
| Noninterest income to average assets | 0.6628% | 1,766 |
| Noninterest expense to average assets | 3.5916% | 854 |
| Loan and lease loss provision to assets | 0.0906% | 1,899 |
| Net operating income to assets | 0.6628% | 4,050 |
| Return on assets (ROA) | 0.6628% | 4,088 |
| Pretax return on assets | 0.7648% | 4,133 |
| Return on Equity (ROE) | 5.9795% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.9795% | 2,462 |
| Net charge-offs to loans | 0.0556% | 1,492 |
| Credit loss provision to net charge-offs | 290.9091% | 847 |
| Earnings coverage of net charge-offs (x) | 27.4545% | 1,381 |
| Efficiency ratio | 80.7643% | 984 |
| Assets per employee ($millions) | 2.7277% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,320 |
| Loan loss allowance to noncurrent loans | 236.5922% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 2,953 |
| Noncurrent loans to loans | 0.4512% | 2,967 |
| Net loans and leases to total assets | 54.3028% | 4,192 |
| Net loans and leases to deposits | 61.2818% | 4,344 |
| Net loans and leases to core deposits | 69.9003% | 4,084 |
| Total domestic deposits to total assets | 88.6117% | 1,032 |
| Equity capital to assets | 11.1123% | 2,735 |
| Core capital (leverage) ratio | 11.6023% | 2,052 |
| Tier 1 risk-based capital ratio | 15.3323% | 2,736 |
| Total risk-based capital ratio | 16.1233% | 2,863 |
| Memoranda: | ||
| Average total assets | $141,217,500 | 3,516 |
| Average earning assets | $125,541,000 | 3,579 |
| Average equity | $15,653,500 | 3,625 |
| Average total loans | $79,070,500 | 3,713 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1215% | 811 |
| Cost of funding earning assets | 0.6442% | 2,430 |
| Net interest margin | 4.4773% | 800 |
| Noninterest income to average assets | 0.7455% | 1,668 |
| Noninterest expense to average assets | 3.4707% | 1,033 |
| Loan and lease loss provision to assets | 0.0875% | 2,397 |
| Net operating income to assets | 0.9740% | 3,126 |
| Return on assets (ROA) | 0.9740% | 3,125 |
| Pretax return on assets | 1.1374% | 3,144 |
| Return on Equity (ROE) | 8.8694% | 3,057 |
| Retained earnings to average equity (ytd only) | 4.9187% | 2,813 |
| Net charge-offs to loans | 0.0381% | 2,637 |
| Credit loss provision to net charge-offs | 417.2414% | 798 |
| Earnings coverage of net charge-offs (x) | 58.4138% | 1,037 |
| Efficiency ratio | 73.9144% | 1,633 |
| Assets per employee ($millions) | 2.6012% | 5,178 |
| Cash dividends to net income (ytd only)* | 44.5434% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,393 |
| Loan loss allowance to noncurrent loans | 187.7273% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,775 |
| Noncurrent loans to loans | 0.5585% | 2,601 |
| Net loans and leases to total assets | 56.5498% | 4,089 |
| Net loans and leases to deposits | 63.7166% | 4,267 |
| Net loans and leases to core deposits | 73.2150% | 3,908 |
| Total domestic deposits to total assets | 88.7521% | 965 |
| Equity capital to assets | 11.0557% | 2,629 |
| Core capital (leverage) ratio | 11.6099% | 2,016 |
| Tier 1 risk-based capital ratio | 15.7976% | 2,497 |
| Total risk-based capital ratio | 16.6039% | 2,600 |
| Memoranda: | ||
| Average total assets | $138,301,600 | 3,532 |
| Average earning assets | $122,015,000 | 3,614 |
| Average equity | $15,187,000 | 3,615 |
| Average total loans | $76,077,400 | 3,748 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 806 |
| Cost of funding earning assets | 0.6079% | 2,416 |
| Net interest margin | 4.4629% | 799 |
| Noninterest income to average assets | 0.7591% | 1,636 |
| Noninterest expense to average assets | 3.5266% | 951 |
| Loan and lease loss provision to assets | 0.1050% | 1,913 |
| Net operating income to assets | 0.9190% | 3,440 |
| Return on assets (ROA) | 0.9190% | 3,444 |
| Pretax return on assets | 1.0596% | 3,539 |
| Return on Equity (ROE) | 8.3830% | 3,387 |
| Retained earnings to average equity (ytd only) | 8.3830% | 1,478 |
| Net charge-offs to loans | 0.0690% | 1,848 |
| Credit loss provision to net charge-offs | 279.4872% | 1,079 |
| Earnings coverage of net charge-offs (x) | 30.9992% | 1,577 |
| Efficiency ratio | 75.1745% | 1,439 |
| Assets per employee ($millions) | 2.7753% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,677 |
| Loan loss allowance to noncurrent loans | 76.0417% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 1,632 |
| Noncurrent loans to loans | 1.3324% | 1,253 |
| Net loans and leases to total assets | 56.5352% | 4,169 |
| Net loans and leases to deposits | 63.7069% | 4,347 |
| Net loans and leases to core deposits | 73.1121% | 4,003 |
| Total domestic deposits to total assets | 88.7427% | 936 |
| Equity capital to assets | 11.0022% | 2,666 |
| Core capital (leverage) ratio | 11.7908% | 1,921 |
| Tier 1 risk-based capital ratio | 15.8699% | 2,492 |
| Total risk-based capital ratio | 16.6473% | 2,621 |
| Memoranda: | ||
| Average total assets | $138,410,500 | 3,563 |
| Average earning assets | $121,951,250 | 3,646 |
| Average equity | $15,173,250 | 3,639 |
| Average total loans | $75,399,500 | 3,802 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9999% | 823 |
| Cost of funding earning assets | 0.5654% | 2,473 |
| Net interest margin | 4.4345% | 792 |
| Noninterest income to average assets | 0.7679% | 1,580 |
| Noninterest expense to average assets | 3.4984% | 997 |
| Loan and lease loss provision to assets | 0.0810% | 2,290 |
| Net operating income to assets | 0.9661% | 3,161 |
| Return on assets (ROA) | 0.9661% | 3,163 |
| Pretax return on assets | 1.0904% | 3,352 |
| Return on Equity (ROE) | 8.8231% | 3,103 |
| Retained earnings to average equity (ytd only) | 8.8231% | 1,271 |
| Net charge-offs to loans | 0.0243% | 2,376 |
| Credit loss provision to net charge-offs | 622.2222% | 607 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 748 |
| Efficiency ratio | 74.9148% | 1,579 |
| Assets per employee ($millions) | 2.6612% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,721 |
| Loan loss allowance to noncurrent loans | 83.6910% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 1,814 |
| Noncurrent loans to loans | 1.2180% | 1,424 |
| Net loans and leases to total assets | 54.7315% | 4,274 |
| Net loans and leases to deposits | 61.5991% | 4,444 |
| Net loans and leases to core deposits | 70.1915% | 4,129 |
| Total domestic deposits to total assets | 88.8511% | 995 |
| Equity capital to assets | 10.9560% | 2,674 |
| Core capital (leverage) ratio | 11.5249% | 2,050 |
| Tier 1 risk-based capital ratio | 15.3866% | 2,693 |
| Total risk-based capital ratio | 16.1318% | 2,850 |
| Memoranda: | ||
| Average total assets | $138,293,000 | 3,591 |
| Average earning assets | $121,682,000 | 3,675 |
| Average equity | $15,142,000 | 3,660 |
| Average total loans | $74,115,000 | 3,846 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 810 |
| Cost of funding earning assets | 0.5154% | 2,674 |
| Net interest margin | 4.4176% | 739 |
| Noninterest income to average assets | 0.7783% | 1,526 |
| Noninterest expense to average assets | 3.5877% | 881 |
| Loan and lease loss provision to assets | 0.0665% | 2,442 |
| Net operating income to assets | 0.8883% | 3,343 |
| Return on assets (ROA) | 0.8883% | 3,353 |
| Pretax return on assets | 0.9924% | 3,559 |
| Return on Equity (ROE) | 8.1150% | 3,327 |
| Retained earnings to average equity (ytd only) | 8.1150% | 1,794 |
| Net charge-offs to loans | 0.0658% | 1,451 |
| Credit loss provision to net charge-offs | 191.6667% | 1,071 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,228 |
| Efficiency ratio | 77.2105% | 1,432 |
| Assets per employee ($millions) | 2.7238% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,918 |
| Loan loss allowance to noncurrent loans | 91.5129% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 1,954 |
| Noncurrent loans to loans | 1.0990% | 1,664 |
| Net loans and leases to total assets | 52.7161% | 4,389 |
| Net loans and leases to deposits | 59.2650% | 4,520 |
| Net loans and leases to core deposits | 67.4337% | 4,244 |
| Total domestic deposits to total assets | 88.9498% | 1,114 |
| Equity capital to assets | 10.7226% | 2,848 |
| Core capital (leverage) ratio | 11.4225% | 2,071 |
| Tier 1 risk-based capital ratio | 15.2874% | 2,741 |
| Total risk-based capital ratio | 16.0098% | 2,922 |
| Memoranda: | ||
| Average total assets | $138,249,000 | 3,631 |
| Average earning assets | $121,061,500 | 3,734 |
| Average equity | $15,132,500 | 3,687 |
| Average total loans | $72,913,500 | 3,913 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 777 |
| Cost of funding earning assets | 0.5094% | 2,255 |
| Net interest margin | 4.4007% | 766 |
| Noninterest income to average assets | 0.7109% | 1,914 |
| Noninterest expense to average assets | 3.4805% | 1,066 |
| Loan and lease loss provision to assets | 0.1359% | 1,689 |
| Net operating income to assets | 0.7252% | 3,494 |
| Return on assets (ROA) | 0.7550% | 3,409 |
| Pretax return on assets | 0.9651% | 3,689 |
| Return on Equity (ROE) | 6.7364% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.3289% | 3,303 |
| Net charge-offs to loans | 0.1528% | 1,580 |
| Credit loss provision to net charge-offs | 179.6117% | 1,507 |
| Earnings coverage of net charge-offs (x) | 14.0485% | 2,357 |
| Efficiency ratio | 76.6085% | 1,534 |
| Assets per employee ($millions) | 2.8664% | 5,283 |
| Cash dividends to net income (ytd only)* | 50.5837% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,810 |
| Loan loss allowance to noncurrent loans | 132.0721% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 2,430 |
| Noncurrent loans to loans | 0.7724% | 2,281 |
| Net loans and leases to total assets | 51.6920% | 4,539 |
| Net loans and leases to deposits | 58.3701% | 4,672 |
| Net loans and leases to core deposits | 66.1283% | 4,405 |
| Total domestic deposits to total assets | 88.5592% | 1,221 |
| Equity capital to assets | 11.1712% | 2,462 |
| Core capital (leverage) ratio | 11.1352% | 2,211 |
| Tier 1 risk-based capital ratio | 15.5482% | 2,608 |
| Total risk-based capital ratio | 16.2865% | 2,761 |
| Memoranda: | ||
| Average total assets | $136,157,600 | 3,665 |
| Average earning assets | $118,571,600 | 3,771 |
| Average equity | $15,260,400 | 3,687 |
| Average total loans | $67,418,600 | 4,023 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 786 |
| Cost of funding earning assets | 0.5061% | 2,216 |
| Net interest margin | 4.3763% | 766 |
| Noninterest income to average assets | 0.7059% | 1,968 |
| Noninterest expense to average assets | 3.5649% | 904 |
| Loan and lease loss provision to assets | 0.1237% | 1,748 |
| Net operating income to assets | 0.6996% | 3,985 |
| Return on assets (ROA) | 0.7472% | 3,811 |
| Pretax return on assets | 0.8768% | 4,117 |
| Return on Equity (ROE) | 6.6608% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.6608% | 1,871 |
| Net charge-offs to loans | 0.1769% | 1,192 |
| Credit loss provision to net charge-offs | 143.1818% | 1,746 |
| Earnings coverage of net charge-offs (x) | 10.9318% | 2,541 |
| Efficiency ratio | 79.0551% | 1,207 |
| Assets per employee ($millions) | 2.7157% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 4,144 |
| Loan loss allowance to noncurrent loans | 92.9919% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 2,409 |
| Noncurrent loans to loans | 1.0600% | 1,822 |
| Net loans and leases to total assets | 50.0430% | 4,698 |
| Net loans and leases to deposits | 56.6401% | 4,832 |
| Net loans and leases to core deposits | 63.9636% | 4,607 |
| Total domestic deposits to total assets | 88.3526% | 1,196 |
| Equity capital to assets | 11.4229% | 2,446 |
| Core capital (leverage) ratio | 11.4033% | 2,095 |
| Tier 1 risk-based capital ratio | 15.8856% | 2,551 |
| Total risk-based capital ratio | 16.5842% | 2,718 |
| Memoranda: | ||
| Average total assets | $135,800,500 | 3,708 |
| Average earning assets | $118,027,500 | 3,819 |
| Average equity | $15,233,000 | 3,725 |
| Average total loans | $66,309,750 | 4,077 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 801 |
| Cost of funding earning assets | 0.5051% | 2,128 |
| Net interest margin | 4.3284% | 805 |
| Noninterest income to average assets | 0.7102% | 1,945 |
| Noninterest expense to average assets | 3.6071% | 865 |
| Loan and lease loss provision to assets | 0.0904% | 2,172 |
| Net operating income to assets | 0.6580% | 4,040 |
| Return on assets (ROA) | 0.7057% | 3,887 |
| Pretax return on assets | 0.8154% | 4,214 |
| Return on Equity (ROE) | 6.3311% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.3311% | 1,946 |
| Net charge-offs to loans | 0.0891% | 1,719 |
| Credit loss provision to net charge-offs | 210.3448% | 1,225 |
| Earnings coverage of net charge-offs (x) | 19.7931% | 1,819 |
| Efficiency ratio | 80.9112% | 1,114 |
| Assets per employee ($millions) | 2.6036% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,929 |
| Loan loss allowance to noncurrent loans | 74.4287% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 2,082 |
| Noncurrent loans to loans | 1.3912% | 1,384 |
| Net loans and leases to total assets | 47.3752% | 4,861 |
| Net loans and leases to deposits | 53.5010% | 4,991 |
| Net loans and leases to core deposits | 59.3037% | 4,862 |
| Total domestic deposits to total assets | 88.5501% | 1,177 |
| Equity capital to assets | 11.3007% | 2,496 |
| Core capital (leverage) ratio | 11.2269% | 2,204 |
| Tier 1 risk-based capital ratio | 15.7026% | 2,616 |
| Total risk-based capital ratio | 16.3998% | 2,797 |
| Memoranda: | ||
| Average total assets | $134,899,670 | 3,743 |
| Average earning assets | $116,809,330 | 3,860 |
| Average equity | $15,037,000 | 3,758 |
| Average total loans | $65,079,330 | 4,123 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 697 |
| Cost of funding earning assets | 0.5096% | 2,010 |
| Net interest margin | 4.3283% | 732 |
| Noninterest income to average assets | 0.6959% | 1,991 |
| Noninterest expense to average assets | 3.7974% | 683 |
| Loan and lease loss provision to assets | 0.0840% | 2,134 |
| Net operating income to assets | 0.5339% | 4,447 |
| Return on assets (ROA) | 0.5339% | 4,490 |
| Pretax return on assets | 0.5339% | 4,890 |
| Return on Equity (ROE) | 4.8243% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.8243% | 3,000 |
| Net charge-offs to loans | 0.1982% | 869 |
| Credit loss provision to net charge-offs | 87.5000% | 1,709 |
| Earnings coverage of net charge-offs (x) | 6.4375% | 2,214 |
| Efficiency ratio | 86.0054% | 804 |
| Assets per employee ($millions) | 2.5222% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 4,320 |
| Loan loss allowance to noncurrent loans | 145.2915% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 2,988 |
| Noncurrent loans to loans | 0.6854% | 2,792 |
| Net loans and leases to total assets | 47.2970% | 4,871 |
| Net loans and leases to deposits | 53.2103% | 4,980 |
| Net loans and leases to core deposits | 59.0264% | 4,826 |
| Total domestic deposits to total assets | 88.8870% | 1,204 |
| Equity capital to assets | 10.9382% | 2,701 |
| Core capital (leverage) ratio | 11.4236% | 2,006 |
| Tier 1 risk-based capital ratio | 15.5958% | 2,717 |
| Total risk-based capital ratio | 16.2648% | 2,885 |
| Memoranda: | ||
| Average total assets | $133,353,500 | 3,792 |
| Average earning assets | $114,593,500 | 3,938 |
| Average equity | $14,758,500 | 3,807 |
| Average total loans | $64,590,000 | 4,169 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 464 |
| Cost of funding earning assets | 0.4924% | 2,147 |
| Net interest margin | 4.6462% | 461 |
| Noninterest income to average assets | 0.7013% | 2,162 |
| Noninterest expense to average assets | 3.8549% | 726 |
| Loan and lease loss provision to assets | 0.2847% | 690 |
| Net operating income to assets | 0.5023% | 4,621 |
| Return on assets (ROA) | 0.5845% | 4,383 |
| Pretax return on assets | 0.5997% | 4,786 |
| Return on Equity (ROE) | 4.7539% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.3722% | 4,725 |
| Net charge-offs to loans | 0.5079% | 484 |
| Credit loss provision to net charge-offs | 111.9497% | 2,345 |
| Earnings coverage of net charge-offs (x) | 3.1447% | 3,719 |
| Efficiency ratio | 82.8208% | 1,110 |
| Assets per employee ($millions) | 2.3305% | 5,729 |
| Cash dividends to net income (ytd only)* | 71.1354% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 4,215 |
| Loan loss allowance to noncurrent loans | 96.3072% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 1,871 |
| Noncurrent loans to loans | 1.0559% | 1,968 |
| Net loans and leases to total assets | 48.6269% | 4,852 |
| Net loans and leases to deposits | 54.8544% | 4,975 |
| Net loans and leases to core deposits | 60.1903% | 4,855 |
| Total domestic deposits to total assets | 88.6473% | 1,297 |
| Equity capital to assets | 11.2018% | 2,418 |
| Core capital (leverage) ratio | 11.5532% | 1,894 |
| Tier 1 risk-based capital ratio | 16.1364% | 2,493 |
| Total risk-based capital ratio | 16.8410% | 2,643 |
| Memoranda: | ||
| Average total assets | $125,061,400 | 3,907 |
| Average earning assets | $106,409,200 | 4,068 |
| Average equity | $15,376,800 | 3,767 |
| Average total loans | $62,606,600 | 4,208 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 412 |
| Cost of funding earning assets | 0.4847% | 2,216 |
| Net interest margin | 4.7356% | 405 |
| Noninterest income to average assets | 0.6952% | 2,192 |
| Noninterest expense to average assets | 3.8997% | 676 |
| Loan and lease loss provision to assets | 0.2339% | 840 |
| Net operating income to assets | 0.5464% | 4,507 |
| Return on assets (ROA) | 0.6025% | 4,398 |
| Pretax return on assets | 0.6446% | 4,757 |
| Return on Equity (ROE) | 4.7880% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.7880% | 2,964 |
| Net charge-offs to loans | 0.4178% | 516 |
| Credit loss provision to net charge-offs | 111.2821% | 2,211 |
| Earnings coverage of net charge-offs (x) | 3.8923% | 3,346 |
| Efficiency ratio | 82.6594% | 1,108 |
| Assets per employee ($millions) | 2.3353% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 4,426 |
| Loan loss allowance to noncurrent loans | 63.2836% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 1,968 |
| Noncurrent loans to loans | 1.5768% | 1,373 |
| Net loans and leases to total assets | 49.1299% | 4,884 |
| Net loans and leases to deposits | 56.3149% | 4,973 |
| Net loans and leases to core deposits | 61.9765% | 4,832 |
| Total domestic deposits to total assets | 87.2414% | 1,782 |
| Equity capital to assets | 12.3818% | 1,851 |
| Core capital (leverage) ratio | 12.1843% | 1,555 |
| Tier 1 risk-based capital ratio | 16.9626% | 2,238 |
| Total risk-based capital ratio | 17.6687% | 2,401 |
| Memoranda: | ||
| Average total assets | $123,700,250 | 3,955 |
| Average earning assets | $105,074,750 | 4,118 |
| Average equity | $15,566,250 | 3,778 |
| Average total loans | $62,230,000 | 4,251 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2726% | 379 |
| Cost of funding earning assets | 0.4774% | 2,293 |
| Net interest margin | 4.7952% | 372 |
| Noninterest income to average assets | 0.6911% | 2,183 |
| Noninterest expense to average assets | 3.8388% | 727 |
| Loan and lease loss provision to assets | 0.2326% | 866 |
| Net operating income to assets | 0.6136% | 4,211 |
| Return on assets (ROA) | 0.6633% | 4,122 |
| Pretax return on assets | 0.7206% | 4,554 |
| Return on Equity (ROE) | 5.2414% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.2414% | 2,586 |
| Net charge-offs to loans | 0.3370% | 702 |
| Credit loss provision to net charge-offs | 136.5385% | 1,708 |
| Earnings coverage of net charge-offs (x) | 5.2788% | 2,875 |
| Efficiency ratio | 81.0232% | 1,383 |
| Assets per employee ($millions) | 2.3080% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 4,293 |
| Loan loss allowance to noncurrent loans | 61.2207% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2092% | 1,716 |
| Noncurrent loans to loans | 1.6967% | 1,251 |
| Net loans and leases to total assets | 48.9337% | 4,916 |
| Net loans and leases to deposits | 56.1460% | 5,002 |
| Net loans and leases to core deposits | 61.0969% | 4,925 |
| Total domestic deposits to total assets | 87.1545% | 1,834 |
| Equity capital to assets | 12.4650% | 1,795 |
| Core capital (leverage) ratio | 12.0270% | 1,610 |
| Tier 1 risk-based capital ratio | 16.9461% | 2,235 |
| Total risk-based capital ratio | 17.6767% | 2,398 |
| Memoranda: | ||
| Average total assets | $122,120,670 | 4,007 |
| Average earning assets | $103,061,000 | 4,194 |
| Average equity | $15,454,000 | 3,806 |
| Average total loans | $61,727,330 | 4,290 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 293 |
| Cost of funding earning assets | 0.4677% | 2,394 |
| Net interest margin | 4.9309% | 295 |
| Noninterest income to average assets | 0.6883% | 2,097 |
| Noninterest expense to average assets | 4.0865% | 557 |
| Loan and lease loss provision to assets | 0.1437% | 1,468 |
| Net operating income to assets | 0.5446% | 4,446 |
| Return on assets (ROA) | 0.5446% | 4,548 |
| Pretax return on assets | 0.5446% | 4,967 |
| Return on Equity (ROE) | 4.2699% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.2699% | 3,344 |
| Net charge-offs to loans | 0.2026% | 983 |
| Credit loss provision to net charge-offs | 138.7097% | 1,323 |
| Earnings coverage of net charge-offs (x) | 6.6452% | 2,225 |
| Efficiency ratio | 85.5843% | 1,012 |
| Assets per employee ($millions) | 2.4046% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 4,528 |
| Loan loss allowance to noncurrent loans | 40.3091% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 1.6203% | 1,221 |
| Noncurrent loans to loans | 2.5150% | 743 |
| Net loans and leases to total assets | 48.8831% | 4,900 |
| Net loans and leases to deposits | 55.9299% | 4,992 |
| Net loans and leases to core deposits | 60.9730% | 4,875 |
| Total domestic deposits to total assets | 87.4007% | 1,994 |
| Equity capital to assets | 12.3170% | 1,818 |
| Core capital (leverage) ratio | 12.6896% | 1,273 |
| Tier 1 risk-based capital ratio | 17.6319% | 2,090 |
| Total risk-based capital ratio | 18.3735% | 2,210 |
| Memoranda: | ||
| Average total assets | $119,711,500 | 4,079 |
| Average earning assets | $99,211,000 | 4,317 |
| Average equity | $15,269,500 | 3,838 |
| Average total loans | $61,207,000 | 4,338 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 318 |
| Cost of funding earning assets | 0.4299% | 2,845 |
| Net interest margin | 4.9764% | 263 |
| Noninterest income to average assets | 0.7135% | 2,136 |
| Noninterest expense to average assets | 3.9737% | 697 |
| Loan and lease loss provision to assets | 0.2912% | 596 |
| Net operating income to assets | 0.6888% | 3,870 |
| Return on assets (ROA) | 0.8186% | 3,333 |
| Pretax return on assets | 0.8474% | 4,034 |
| Return on Equity (ROE) | 5.9757% | 4,044 |
| Retained earnings to average equity (ytd only) | 1.4497% | 4,903 |
| Net charge-offs to loans | 0.4200% | 675 |
| Credit loss provision to net charge-offs | 134.4398% | 1,952 |
| Earnings coverage of net charge-offs (x) | 4.6390% | 3,515 |
| Efficiency ratio | 79.8195% | 1,701 |
| Assets per employee ($millions) | 2.1997% | 5,997 |
| Cash dividends to net income (ytd only)* | 75.7409% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 4,535 |
| Loan loss allowance to noncurrent loans | 43.3922% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 1,174 |
| Noncurrent loans to loans | 2.3325% | 822 |
| Net loans and leases to total assets | 52.4995% | 4,650 |
| Net loans and leases to deposits | 60.6465% | 4,725 |
| Net loans and leases to core deposits | 62.5636% | 4,840 |
| Total domestic deposits to total assets | 86.5663% | 2,342 |
| Equity capital to assets | 13.2344% | 1,242 |
| Core capital (leverage) ratio | 13.0879% | 1,113 |
| Tier 1 risk-based capital ratio | 18.7253% | 1,768 |
| Total risk-based capital ratio | 19.5064% | 1,858 |
| Memoranda: | ||
| Average total assets | $111,281,400 | 4,237 |
| Average earning assets | $95,369,800 | 4,407 |
| Average equity | $15,245,000 | 3,792 |
| Average total loans | $57,378,800 | 4,447 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 324 |
| Cost of funding earning assets | 0.4245% | 2,965 |
| Net interest margin | 4.9664% | 273 |
| Noninterest income to average assets | 0.7046% | 2,210 |
| Noninterest expense to average assets | 4.0661% | 618 |
| Loan and lease loss provision to assets | 0.3716% | 348 |
| Net operating income to assets | 0.5840% | 4,459 |
| Return on assets (ROA) | 0.7649% | 3,707 |
| Pretax return on assets | 0.7251% | 4,592 |
| Return on Equity (ROE) | 5.5351% | 4,384 |
| Retained earnings to average equity (ytd only) | 4.0509% | 3,575 |
| Net charge-offs to loans | 0.5021% | 478 |
| Credit loss provision to net charge-offs | 144.6009% | 1,730 |
| Earnings coverage of net charge-offs (x) | 3.5634% | 3,486 |
| Efficiency ratio | 81.6178% | 1,446 |
| Assets per employee ($millions) | 2.2397% | 6,073 |
| Cash dividends to net income (ytd only)* | 26.8138% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 4,670 |
| Loan loss allowance to noncurrent loans | 39.0274% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 1.8155% | 1,173 |
| Noncurrent loans to loans | 2.5997% | 762 |
| Net loans and leases to total assets | 54.5386% | 4,507 |
| Net loans and leases to deposits | 63.3975% | 4,606 |
| Net loans and leases to core deposits | 65.4556% | 4,732 |
| Total domestic deposits to total assets | 86.0265% | 2,511 |
| Equity capital to assets | 13.7226% | 1,134 |
| Core capital (leverage) ratio | 13.2303% | 1,118 |
| Tier 1 risk-based capital ratio | 17.8530% | 2,069 |
| Total risk-based capital ratio | 18.6126% | 2,183 |
| Memoranda: | ||
| Average total assets | $110,505,750 | 4,295 |
| Average earning assets | $95,170,500 | 4,453 |
| Average equity | $15,271,750 | 3,824 |
| Average total loans | $56,557,250 | 4,523 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 353 |
| Cost of funding earning assets | 0.4191% | 3,043 |
| Net interest margin | 4.9012% | 299 |
| Noninterest income to average assets | 0.6654% | 2,387 |
| Noninterest expense to average assets | 4.0704% | 624 |
| Loan and lease loss provision to assets | 0.3272% | 426 |
| Net operating income to assets | 0.5418% | 4,595 |
| Return on assets (ROA) | 0.8126% | 3,424 |
| Pretax return on assets | 0.7690% | 4,423 |
| Return on Equity (ROE) | 5.8661% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.8661% | 2,319 |
| Net charge-offs to loans | 0.6054% | 389 |
| Credit loss provision to net charge-offs | 108.4337% | 1,942 |
| Earnings coverage of net charge-offs (x) | 2.7349% | 3,296 |
| Efficiency ratio | 83.1415% | 1,349 |
| Assets per employee ($millions) | 2.2796% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 5,285 |
| Loan loss allowance to noncurrent loans | 37.6902% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6258% | 1,478 |
| Noncurrent loans to loans | 2.3996% | 954 |
| Net loans and leases to total assets | 53.4602% | 4,619 |
| Net loans and leases to deposits | 62.1057% | 4,697 |
| Net loans and leases to core deposits | 63.9507% | 4,809 |
| Total domestic deposits to total assets | 86.0794% | 2,659 |
| Equity capital to assets | 13.7030% | 1,090 |
| Core capital (leverage) ratio | 13.3916% | 1,018 |
| Tier 1 risk-based capital ratio | 18.0666% | 2,048 |
| Total risk-based capital ratio | 18.7255% | 2,185 |
| Memoranda: | ||
| Average total assets | $110,013,330 | 4,342 |
| Average earning assets | $94,955,670 | 4,494 |
| Average equity | $15,240,000 | 3,850 |
| Average total loans | $54,843,000 | 4,618 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2268% | 391 |
| Cost of funding earning assets | 0.4108% | 3,182 |
| Net interest margin | 4.8160% | 343 |
| Noninterest income to average assets | 0.6705% | 2,305 |
| Noninterest expense to average assets | 3.8948% | 774 |
| Loan and lease loss provision to assets | 0.1466% | 1,383 |
| Net operating income to assets | 0.7365% | 3,612 |
| Return on assets (ROA) | 0.7365% | 3,741 |
| Pretax return on assets | 0.8391% | 4,105 |
| Return on Equity (ROE) | 5.2870% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.2870% | 2,896 |
| Net charge-offs to loans | 0.2148% | 1,085 |
| Credit loss provision to net charge-offs | 142.8571% | 1,288 |
| Earnings coverage of net charge-offs (x) | 9.6071% | 1,995 |
| Efficiency ratio | 79.8048% | 1,921 |
| Assets per employee ($millions) | 2.3136% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 4,925 |
| Loan loss allowance to noncurrent loans | 36.4919% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 1,508 |
| Noncurrent loans to loans | 2.7919% | 826 |
| Net loans and leases to total assets | 47.5026% | 5,084 |
| Net loans and leases to deposits | 55.4587% | 5,085 |
| Net loans and leases to core deposits | 57.0240% | 5,186 |
| Total domestic deposits to total assets | 85.6540% | 3,116 |
| Equity capital to assets | 13.8328% | 1,041 |
| Core capital (leverage) ratio | 13.5318% | 960 |
| Tier 1 risk-based capital ratio | 17.5150% | 2,294 |
| Total risk-based capital ratio | 18.1621% | 2,466 |
| Memoranda: | ||
| Average total assets | $109,171,000 | 4,388 |
| Average earning assets | $95,431,500 | 4,521 |
| Average equity | $15,207,000 | 3,885 |
| Average total loans | $52,135,000 | 4,732 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2187% | 502 |
| Cost of funding earning assets | 0.4128% | 3,569 |
| Net interest margin | 4.8060% | 431 |
| Noninterest income to average assets | 0.6089% | 2,804 |
| Noninterest expense to average assets | 3.3556% | 1,790 |
| Loan and lease loss provision to assets | 0.1681% | 1,554 |
| Net operating income to assets | 1.0061% | 2,352 |
| Return on assets (ROA) | 1.0264% | 2,348 |
| Pretax return on assets | 1.3747% | 1,979 |
| Return on Equity (ROE) | 7.4965% | 3,374 |
| Retained earnings to average equity (ytd only) | 2.5034% | 4,453 |
| Net charge-offs to loans | 0.2135% | 1,959 |
| Credit loss provision to net charge-offs | 169.8113% | 1,435 |
| Earnings coverage of net charge-offs (x) | 15.3113% | 2,091 |
| Efficiency ratio | 68.8842% | 3,739 |
| Assets per employee ($millions) | 2.1895% | 6,314 |
| Cash dividends to net income (ytd only)* | 66.6060% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 4,845 |
| Loan loss allowance to noncurrent loans | 32.7172% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.8586% | 1,393 |
| Noncurrent loans to loans | 3.1840% | 685 |
| Net loans and leases to total assets | 47.0159% | 5,249 |
| Net loans and leases to deposits | 54.9405% | 5,251 |
| Net loans and leases to core deposits | 56.5462% | 5,349 |
| Total domestic deposits to total assets | 85.5761% | 3,044 |
| Equity capital to assets | 14.0297% | 942 |
| Core capital (leverage) ratio | 13.5654% | 954 |
| Tier 1 risk-based capital ratio | 20.2484% | 1,549 |
| Total risk-based capital ratio | 20.9901% | 1,622 |
| Memoranda: | ||
| Average total assets | $107,075,800 | 4,434 |
| Average earning assets | $94,965,400 | 4,531 |
| Average equity | $14,660,200 | 3,905 |
| Average total loans | $49,649,600 | 4,830 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 514 |
| Cost of funding earning assets | 0.4118% | 3,661 |
| Net interest margin | 4.7945% | 435 |
| Noninterest income to average assets | 0.5918% | 2,918 |
| Noninterest expense to average assets | 3.3998% | 1,669 |
| Loan and lease loss provision to assets | 0.1993% | 1,195 |
| Net operating income to assets | 0.9459% | 2,705 |
| Return on assets (ROA) | 0.9730% | 2,648 |
| Pretax return on assets | 1.2932% | 2,401 |
| Return on Equity (ROE) | 7.1507% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.2005% | 2,950 |
| Net charge-offs to loans | 0.1811% | 2,006 |
| Credit loss provision to net charge-offs | 238.8060% | 1,097 |
| Earnings coverage of net charge-offs (x) | 17.4480% | 1,901 |
| Efficiency ratio | 70.0103% | 3,506 |
| Assets per employee ($millions) | 2.5526% | 6,189 |
| Cash dividends to net income (ytd only)* | 27.2724% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 4,851 |
| Loan loss allowance to noncurrent loans | 47.3730% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 2,438 |
| Noncurrent loans to loans | 2.2754% | 1,319 |
| Net loans and leases to total assets | 47.0804% | 5,285 |
| Net loans and leases to deposits | 54.9922% | 5,308 |
| Net loans and leases to core deposits | 56.7819% | 5,404 |
| Total domestic deposits to total assets | 85.6130% | 3,066 |
| Equity capital to assets | 14.0232% | 995 |
| Core capital (leverage) ratio | 13.6778% | 937 |
| Tier 1 risk-based capital ratio | 20.8677% | 1,478 |
| Total risk-based capital ratio | 21.6485% | 1,541 |
| Memoranda: | ||
| Average total assets | $107,023,000 | 4,482 |
| Average earning assets | $95,191,000 | 4,570 |
| Average equity | $14,562,250 | 3,938 |
| Average total loans | $49,318,750 | 4,889 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1571% | 546 |
| Cost of funding earning assets | 0.4111% | 3,762 |
| Net interest margin | 4.7461% | 448 |
| Noninterest income to average assets | 0.5815% | 2,919 |
| Noninterest expense to average assets | 3.3470% | 1,810 |
| Loan and lease loss provision to assets | 0.1496% | 1,647 |
| Net operating income to assets | 1.0284% | 2,209 |
| Return on assets (ROA) | 1.0284% | 2,273 |
| Pretax return on assets | 1.3164% | 2,194 |
| Return on Equity (ROE) | 7.6362% | 3,297 |
| Retained earnings to average equity (ytd only) | 4.6928% | 3,157 |
| Net charge-offs to loans | 0.1108% | 2,556 |
| Credit loss provision to net charge-offs | 296.2963% | 870 |
| Earnings coverage of net charge-offs (x) | 29.0370% | 1,286 |
| Efficiency ratio | 69.5416% | 3,731 |
| Assets per employee ($millions) | 2.5759% | 6,232 |
| Cash dividends to net income (ytd only)* | 38.5455% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 5,300 |
| Loan loss allowance to noncurrent loans | 31.5399% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 1,922 |
| Noncurrent loans to loans | 3.2055% | 882 |
| Net loans and leases to total assets | 46.1544% | 5,346 |
| Net loans and leases to deposits | 53.5974% | 5,386 |
| Net loans and leases to core deposits | 55.4970% | 5,444 |
| Total domestic deposits to total assets | 86.1132% | 2,988 |
| Equity capital to assets | 13.5827% | 1,126 |
| Core capital (leverage) ratio | 13.4316% | 998 |
| Tier 1 risk-based capital ratio | 20.5331% | 1,560 |
| Total risk-based capital ratio | 21.2568% | 1,654 |
| Memoranda: | ||
| Average total assets | $106,961,330 | 4,513 |
| Average earning assets | $95,363,330 | 4,599 |
| Average equity | $14,405,000 | 3,963 |
| Average total loans | $48,750,330 | 4,941 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 541 |
| Cost of funding earning assets | 0.4194% | 3,765 |
| Net interest margin | 4.7277% | 439 |
| Noninterest income to average assets | 0.5228% | 3,249 |
| Noninterest expense to average assets | 3.2497% | 2,073 |
| Loan and lease loss provision to assets | 0.1881% | 1,267 |
| Net operating income to assets | 0.9027% | 2,636 |
| Return on assets (ROA) | 0.9027% | 2,705 |
| Pretax return on assets | 1.2826% | 2,157 |
| Return on Equity (ROE) | 6.7321% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.7321% | 2,174 |
| Net charge-offs to loans | 0.0084% | 3,462 |
| Credit loss provision to net charge-offs | 5,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 119 |
| Efficiency ratio | 68.8446% | 4,034 |
| Assets per employee ($millions) | 2.5824% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 5,345 |
| Loan loss allowance to noncurrent loans | 39.1036% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4015% | 2,540 |
| Noncurrent loans to loans | 2.6635% | 1,278 |
| Net loans and leases to total assets | 44.3264% | 5,480 |
| Net loans and leases to deposits | 51.2904% | 5,497 |
| Net loans and leases to core deposits | 53.0951% | 5,560 |
| Total domestic deposits to total assets | 86.4225% | 3,149 |
| Equity capital to assets | 13.2769% | 1,180 |
| Core capital (leverage) ratio | 13.5466% | 957 |
| Tier 1 risk-based capital ratio | 20.8098% | 1,510 |
| Total risk-based capital ratio | 21.5426% | 1,614 |
| Memoranda: | ||
| Average total assets | $106,347,500 | 4,578 |
| Average earning assets | $94,422,000 | 4,671 |
| Average equity | $14,260,000 | 3,996 |
| Average total loans | $47,903,500 | 5,013 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 829 |
| Cost of funding earning assets | 0.4903% | 3,707 |
| Net interest margin | 4.5597% | 654 |
| Noninterest income to average assets | 0.6052% | 3,065 |
| Noninterest expense to average assets | 3.4150% | 1,850 |
| Loan and lease loss provision to assets | 0.0755% | 3,595 |
| Net operating income to assets | 0.9248% | 2,666 |
| Return on assets (ROA) | 0.9630% | 2,568 |
| Pretax return on assets | 1.2293% | 2,462 |
| Return on Equity (ROE) | 6.9756% | 3,569 |
| Retained earnings to average equity (ytd only) | 2.2568% | 4,640 |
| Net charge-offs to loans | 0.2327% | 2,593 |
| Credit loss provision to net charge-offs | 75.4717% | 3,155 |
| Earnings coverage of net charge-offs (x) | 12.5472% | 2,114 |
| Efficiency ratio | 73.1150% | 3,273 |
| Assets per employee ($millions) | 2.3164% | 6,511 |
| Cash dividends to net income (ytd only)* | 67.6471% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 5,710 |
| Loan loss allowance to noncurrent loans | 27.8829% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8429% | 1,984 |
| Noncurrent loans to loans | 3.4706% | 913 |
| Net loans and leases to total assets | 44.8674% | 5,592 |
| Net loans and leases to deposits | 52.0136% | 5,622 |
| Net loans and leases to core deposits | 53.7359% | 5,690 |
| Total domestic deposits to total assets | 86.2610% | 3,131 |
| Equity capital to assets | 13.5462% | 1,050 |
| Core capital (leverage) ratio | 13.3669% | 1,001 |
| Tier 1 risk-based capital ratio | 20.6088% | 1,512 |
| Total risk-based capital ratio | 21.2753% | 1,621 |
| Memoranda: | ||
| Average total assets | $105,913,800 | 4,593 |
| Average earning assets | $94,436,000 | 4,671 |
| Average equity | $14,622,400 | 3,939 |
| Average total loans | $45,558,800 | 5,130 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 949 |
| Cost of funding earning assets | 0.5077% | 3,696 |
| Net interest margin | 4.4914% | 750 |
| Noninterest income to average assets | 0.6031% | 3,132 |
| Noninterest expense to average assets | 3.4570% | 1,701 |
| Loan and lease loss provision to assets | 0.0627% | 3,790 |
| Net operating income to assets | 0.8300% | 3,194 |
| Return on assets (ROA) | 0.8802% | 3,048 |
| Pretax return on assets | 1.1423% | 2,936 |
| Return on Equity (ROE) | 6.3465% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.8096% | 3,228 |
| Net charge-offs to loans | 0.1506% | 3,037 |
| Credit loss provision to net charge-offs | 98.0392% | 2,435 |
| Earnings coverage of net charge-offs (x) | 17.8231% | 1,715 |
| Efficiency ratio | 75.2046% | 2,871 |
| Assets per employee ($millions) | 2.3410% | 6,573 |
| Cash dividends to net income (ytd only)* | 24.2163% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 5,564 |
| Loan loss allowance to noncurrent loans | 47.0703% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 3,215 |
| Noncurrent loans to loans | 2.2058% | 2,007 |
| Net loans and leases to total assets | 43.6102% | 5,760 |
| Net loans and leases to deposits | 50.5668% | 5,796 |
| Net loans and leases to core deposits | 52.2151% | 5,879 |
| Total domestic deposits to total assets | 86.2426% | 3,108 |
| Equity capital to assets | 13.4755% | 1,125 |
| Core capital (leverage) ratio | 13.5883% | 985 |
| Tier 1 risk-based capital ratio | 21.0486% | 1,486 |
| Total risk-based capital ratio | 21.7565% | 1,575 |
| Memoranda: | ||
| Average total assets | $106,333,250 | 4,631 |
| Average earning assets | $94,549,500 | 4,710 |
| Average equity | $14,748,000 | 3,962 |
| Average total loans | $45,142,250 | 5,197 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8449% | 1,228 |
| Cost of funding earning assets | 0.5250% | 3,654 |
| Net interest margin | 4.3199% | 995 |
| Noninterest income to average assets | 0.5832% | 3,301 |
| Noninterest expense to average assets | 3.3583% | 1,910 |
| Loan and lease loss provision to assets | 0.0469% | 4,037 |
| Net operating income to assets | 0.8183% | 3,205 |
| Return on assets (ROA) | 0.8963% | 2,961 |
| Pretax return on assets | 1.1175% | 3,024 |
| Return on Equity (ROE) | 6.4024% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.1254% | 3,665 |
| Net charge-offs to loans | 0.1521% | 2,884 |
| Credit loss provision to net charge-offs | 73.5294% | 2,754 |
| Earnings coverage of net charge-offs (x) | 16.7353% | 1,645 |
| Efficiency ratio | 75.8898% | 2,807 |
| Assets per employee ($millions) | 2.3714% | 6,601 |
| Cash dividends to net income (ytd only)* | 35.5649% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 5,614 |
| Loan loss allowance to noncurrent loans | 29.3317% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9388% | 2,236 |
| Noncurrent loans to loans | 3.5906% | 1,153 |
| Net loans and leases to total assets | 41.7298% | 5,916 |
| Net loans and leases to deposits | 48.7168% | 5,937 |
| Net loans and leases to core deposits | 50.5207% | 5,995 |
| Total domestic deposits to total assets | 85.6581% | 3,552 |
| Equity capital to assets | 13.8593% | 1,007 |
| Core capital (leverage) ratio | 13.1173% | 1,123 |
| Tier 1 risk-based capital ratio | 20.9856% | 1,498 |
| Total risk-based capital ratio | 21.6907% | 1,594 |
| Memoranda: | ||
| Average total assets | $106,662,000 | 4,649 |
| Average earning assets | $94,863,330 | 4,731 |
| Average equity | $14,932,000 | 3,956 |
| Average total loans | $44,715,000 | 5,236 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 1,593 |
| Cost of funding earning assets | 0.5288% | 3,795 |
| Net interest margin | 4.1504% | 1,325 |
| Noninterest income to average assets | 0.5514% | 3,433 |
| Noninterest expense to average assets | 3.2822% | 2,127 |
| Loan and lease loss provision to assets | 0.0938% | 3,102 |
| Net operating income to assets | 0.5279% | 4,541 |
| Return on assets (ROA) | 0.6527% | 4,102 |
| Pretax return on assets | 1.0803% | 3,029 |
| Return on Equity (ROE) | 4.6391% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.6391% | 3,452 |
| Net charge-offs to loans | 0.1974% | 2,229 |
| Credit loss provision to net charge-offs | 113.6364% | 1,660 |
| Earnings coverage of net charge-offs (x) | 11.8636% | 1,642 |
| Efficiency ratio | 77.0246% | 2,762 |
| Assets per employee ($millions) | 2.3668% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 5,673 |
| Loan loss allowance to noncurrent loans | 27.7397% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 2.0957% | 2,238 |
| Noncurrent loans to loans | 3.9080% | 1,169 |
| Net loans and leases to total assets | 41.6369% | 5,871 |
| Net loans and leases to deposits | 48.8392% | 5,861 |
| Net loans and leases to core deposits | 50.6580% | 5,922 |
| Total domestic deposits to total assets | 85.2531% | 3,922 |
| Equity capital to assets | 14.0793% | 1,001 |
| Core capital (leverage) ratio | 13.1406% | 1,058 |
| Tier 1 risk-based capital ratio | 20.8639% | 1,569 |
| Total risk-based capital ratio | 21.5895% | 1,661 |
| Memoranda: | ||
| Average total assets | $106,635,500 | 4,701 |
| Average earning assets | $95,316,500 | 4,755 |
| Average equity | $15,003,000 | 3,997 |
| Average total loans | $44,569,500 | 5,278 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 1,325 |
| Cost of funding earning assets | 0.6777% | 3,665 |
| Net interest margin | 4.4190% | 1,120 |
| Noninterest income to average assets | 0.7015% | 2,711 |
| Noninterest expense to average assets | 3.0617% | 3,040 |
| Loan and lease loss provision to assets | 0.1592% | 3,625 |
| Net operating income to assets | 0.9971% | 2,345 |
| Return on assets (ROA) | 1.0228% | 2,453 |
| Pretax return on assets | 1.3496% | 2,213 |
| Return on Equity (ROE) | 7.3714% | 3,422 |
| Retained earnings to average equity (ytd only) | 1.2961% | 5,222 |
| Net charge-offs to loans | 0.5471% | 2,095 |
| Credit loss provision to net charge-offs | 73.9130% | 4,042 |
| Earnings coverage of net charge-offs (x) | 6.8478% | 2,722 |
| Efficiency ratio | 67.4855% | 4,235 |
| Assets per employee ($millions) | 2.3726% | 6,728 |
| Cash dividends to net income (ytd only)* | 82.4176% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 5,592 |
| Loan loss allowance to noncurrent loans | 23.8991% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 2.1730% | 2,261 |
| Noncurrent loans to loans | 4.5613% | 931 |
| Net loans and leases to total assets | 41.0473% | 6,093 |
| Net loans and leases to deposits | 48.2038% | 6,096 |
| Net loans and leases to core deposits | 49.9943% | 6,149 |
| Total domestic deposits to total assets | 85.1537% | 3,795 |
| Equity capital to assets | 14.0596% | 1,026 |
| Core capital (leverage) ratio | 12.8394% | 1,180 |
| Tier 1 risk-based capital ratio | 20.4760% | 1,568 |
| Total risk-based capital ratio | 21.1927% | 1,668 |
| Memoranda: | ||
| Average total assets | $106,770,200 | 4,658 |
| Average earning assets | $92,667,600 | 4,790 |
| Average equity | $14,814,000 | 4,007 |
| Average total loans | $42,040,400 | 5,418 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 1,246 |
| Cost of funding earning assets | 0.7077% | 3,694 |
| Net interest margin | 4.4667% | 1,054 |
| Noninterest income to average assets | 0.7118% | 2,649 |
| Noninterest expense to average assets | 2.9545% | 3,391 |
| Loan and lease loss provision to assets | 0.0250% | 5,475 |
| Net operating income to assets | 1.1390% | 1,956 |
| Return on assets (ROA) | 1.1713% | 2,021 |
| Pretax return on assets | 1.6234% | 1,499 |
| Return on Equity (ROE) | 8.4704% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.7614% | 2,858 |
| Net charge-offs to loans | 0.1061% | 4,331 |
| Credit loss provision to net charge-offs | 60.6061% | 4,133 |
| Earnings coverage of net charge-offs (x) | 38.9082% | 899 |
| Efficiency ratio | 64.8219% | 4,652 |
| Assets per employee ($millions) | 2.5125% | 6,687 |
| Cash dividends to net income (ytd only)* | 31.9828% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,834 |
| Loan loss allowance to noncurrent loans | 27.7487% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 2.0003% | 2,638 |
| Noncurrent loans to loans | 4.6707% | 1,000 |
| Net loans and leases to total assets | 37.3607% | 6,457 |
| Net loans and leases to deposits | 43.8690% | 6,510 |
| Net loans and leases to core deposits | 45.4523% | 6,538 |
| Total domestic deposits to total assets | 85.1642% | 3,679 |
| Equity capital to assets | 14.1740% | 1,090 |
| Core capital (leverage) ratio | 13.1679% | 1,123 |
| Tier 1 risk-based capital ratio | 21.9568% | 1,335 |
| Total risk-based capital ratio | 22.7737% | 1,392 |
| Memoranda: | ||
| Average total assets | $106,771,000 | 4,712 |
| Average earning assets | $91,937,250 | 4,851 |
| Average equity | $14,764,750 | 4,052 |
| Average total loans | $41,473,500 | 5,502 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 1,018 |
| Cost of funding earning assets | 0.7389% | 3,696 |
| Net interest margin | 4.5774% | 866 |
| Noninterest income to average assets | 0.6958% | 2,697 |
| Noninterest expense to average assets | 2.9883% | 3,300 |
| Loan and lease loss provision to assets | 0.0188% | 5,432 |
| Net operating income to assets | 1.1993% | 1,723 |
| Return on assets (ROA) | 1.2487% | 1,740 |
| Pretax return on assets | 1.7057% | 1,239 |
| Return on Equity (ROE) | 9.1071% | 2,764 |
| Retained earnings to average equity (ytd only) | 9.1071% | 1,235 |
| Net charge-offs to loans | 0.1872% | 3,457 |
| Credit loss provision to net charge-offs | 25.6410% | 4,514 |
| Earnings coverage of net charge-offs (x) | 22.5897% | 1,292 |
| Efficiency ratio | 64.3320% | 4,826 |
| Assets per employee ($millions) | 2.4995% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 5,043 |
| Loan loss allowance to noncurrent loans | 32.5522% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 1.7250% | 3,138 |
| Noncurrent loans to loans | 3.8979% | 1,430 |
| Net loans and leases to total assets | 37.2119% | 6,535 |
| Net loans and leases to deposits | 43.5732% | 6,575 |
| Net loans and leases to core deposits | 45.3011% | 6,605 |
| Total domestic deposits to total assets | 85.4009% | 3,662 |
| Equity capital to assets | 14.0679% | 1,070 |
| Core capital (leverage) ratio | 13.3625% | 1,031 |
| Tier 1 risk-based capital ratio | 21.8939% | 1,315 |
| Total risk-based capital ratio | 22.6824% | 1,376 |
| Memoranda: | ||
| Average total assets | $106,349,330 | 4,746 |
| Average earning assets | $91,754,670 | 4,880 |
| Average equity | $14,582,000 | 4,075 |
| Average total loans | $41,667,000 | 5,526 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 951 |
| Cost of funding earning assets | 0.7425% | 3,924 |
| Net interest margin | 4.6311% | 776 |
| Noninterest income to average assets | 0.6882% | 2,720 |
| Noninterest expense to average assets | 2.9002% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4444% | 1,132 |
| Return on assets (ROA) | 1.4444% | 1,264 |
| Pretax return on assets | 1.8679% | 937 |
| Return on Equity (ROE) | 10.6756% | 2,155 |
| Retained earnings to average equity (ytd only) | 10.6756% | 1,120 |
| Net charge-offs to loans | 0.1610% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 29.0588% | 945 |
| Efficiency ratio | 60.8247% | 5,485 |
| Assets per employee ($millions) | 2.5479% | 6,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 5,208 |
| Loan loss allowance to noncurrent loans | 39.3124% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 1.4260% | 3,726 |
| Noncurrent loans to loans | 3.2005% | 2,006 |
| Net loans and leases to total assets | 38.5748% | 6,454 |
| Net loans and leases to deposits | 44.8754% | 6,504 |
| Net loans and leases to core deposits | 46.6483% | 6,529 |
| Total domestic deposits to total assets | 85.9596% | 3,551 |
| Equity capital to assets | 13.6030% | 1,198 |
| Core capital (leverage) ratio | 13.2358% | 1,047 |
| Tier 1 risk-based capital ratio | 20.7834% | 1,528 |
| Total risk-based capital ratio | 21.5648% | 1,607 |
| Memoranda: | ||
| Average total assets | $105,784,500 | 4,796 |
| Average earning assets | $93,197,000 | 4,872 |
| Average equity | $14,313,000 | 4,133 |
| Average total loans | $42,246,000 | 5,541 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 1,033 |
| Cost of funding earning assets | 0.9571% | 3,670 |
| Net interest margin | 4.6065% | 912 |
| Noninterest income to average assets | 0.7713% | 2,224 |
| Noninterest expense to average assets | 3.1480% | 3,034 |
| Loan and lease loss provision to assets | 0.0190% | 6,333 |
| Net operating income to assets | 1.1634% | 1,629 |
| Return on assets (ROA) | 1.1683% | 1,718 |
| Pretax return on assets | 1.5749% | 1,264 |
| Return on Equity (ROE) | 8.9054% | 2,495 |
| Retained earnings to average equity (ytd only) | 3.8249% | 3,489 |
| Net charge-offs to loans | 0.1935% | 4,593 |
| Credit loss provision to net charge-offs | 24.3902% | 5,861 |
| Earnings coverage of net charge-offs (x) | 20.3293% | 1,137 |
| Efficiency ratio | 66.4790% | 4,667 |
| Assets per employee ($millions) | 2.4894% | 6,840 |
| Cash dividends to net income (ytd only)* | 57.0497% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,051 |
| Loan loss allowance to noncurrent loans | 51.2748% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1812% | 4,274 |
| Noncurrent loans to loans | 2.4809% | 2,652 |
| Net loans and leases to total assets | 40.3066% | 6,528 |
| Net loans and leases to deposits | 46.7648% | 6,583 |
| Net loans and leases to core deposits | 48.6494% | 6,610 |
| Total domestic deposits to total assets | 86.1902% | 3,205 |
| Equity capital to assets | 13.4559% | 1,293 |
| Core capital (leverage) ratio | 12.8564% | 1,196 |
| Tier 1 risk-based capital ratio | 21.4639% | 1,330 |
| Total risk-based capital ratio | 22.3204% | 1,375 |
| Memoranda: | ||
| Average total assets | $105,020,000 | 4,755 |
| Average earning assets | $90,372,600 | 4,928 |
| Average equity | $13,778,200 | 4,163 |
| Average total loans | $42,386,800 | 5,589 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5967% | 1,038 |
| Cost of funding earning assets | 1.0114% | 3,600 |
| Net interest margin | 4.5853% | 976 |
| Noninterest income to average assets | 0.7863% | 2,117 |
| Noninterest expense to average assets | 3.0791% | 3,236 |
| Loan and lease loss provision to assets | 0.0254% | 6,137 |
| Net operating income to assets | 1.1817% | 1,703 |
| Return on assets (ROA) | 1.1883% | 1,800 |
| Pretax return on assets | 1.6118% | 1,351 |
| Return on Equity (ROE) | 9.1153% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.1153% | 1,104 |
| Net charge-offs to loans | 0.2363% | 3,944 |
| Credit loss provision to net charge-offs | 26.6667% | 5,466 |
| Earnings coverage of net charge-offs (x) | 17.1196% | 1,362 |
| Efficiency ratio | 65.4095% | 4,825 |
| Assets per employee ($millions) | 2.4859% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 5,104 |
| Loan loss allowance to noncurrent loans | 85.5365% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 5,352 |
| Noncurrent loans to loans | 1.4951% | 4,054 |
| Net loans and leases to total assets | 39.7175% | 6,657 |
| Net loans and leases to deposits | 46.2524% | 6,730 |
| Net loans and leases to core deposits | 48.1061% | 6,755 |
| Total domestic deposits to total assets | 85.8712% | 3,289 |
| Equity capital to assets | 13.6742% | 1,295 |
| Core capital (leverage) ratio | 13.1711% | 1,164 |
| Tier 1 risk-based capital ratio | 22.6060% | 1,203 |
| Total risk-based capital ratio | 23.4928% | 1,224 |
| Memoranda: | ||
| Average total assets | $105,136,000 | 4,787 |
| Average earning assets | $89,907,750 | 4,956 |
| Average equity | $13,705,500 | 4,188 |
| Average total loans | $42,312,000 | 5,636 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6566% | 952 |
| Cost of funding earning assets | 1.0728% | 3,444 |
| Net interest margin | 4.5837% | 940 |
| Noninterest income to average assets | 0.7939% | 2,048 |
| Noninterest expense to average assets | 3.1258% | 3,158 |
| Loan and lease loss provision to assets | 0.0383% | 5,835 |
| Net operating income to assets | 1.1081% | 1,848 |
| Return on assets (ROA) | 1.1191% | 1,902 |
| Pretax return on assets | 1.5438% | 1,391 |
| Return on Equity (ROE) | 8.7303% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.7303% | 1,199 |
| Net charge-offs to loans | 0.1759% | 4,116 |
| Credit loss provision to net charge-offs | 54.0541% | 4,484 |
| Earnings coverage of net charge-offs (x) | 22.1351% | 1,129 |
| Efficiency ratio | 66.6123% | 4,758 |
| Assets per employee ($millions) | 2.4688% | 6,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 4,599 |
| Loan loss allowance to noncurrent loans | 44.6131% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 4,220 |
| Noncurrent loans to loans | 3.1257% | 2,302 |
| Net loans and leases to total assets | 39.1661% | 6,790 |
| Net loans and leases to deposits | 45.3433% | 6,858 |
| Net loans and leases to core deposits | 47.1593% | 6,892 |
| Total domestic deposits to total assets | 86.3769% | 3,109 |
| Equity capital to assets | 13.2406% | 1,414 |
| Core capital (leverage) ratio | 12.8397% | 1,225 |
| Tier 1 risk-based capital ratio | 21.7482% | 1,291 |
| Total risk-based capital ratio | 22.6839% | 1,314 |
| Memoranda: | ||
| Average total assets | $104,549,670 | 4,843 |
| Average earning assets | $88,923,330 | 5,025 |
| Average equity | $13,401,670 | 4,253 |
| Average total loans | $42,080,670 | 5,700 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8326% | 691 |
| Cost of funding earning assets | 1.1259% | 3,323 |
| Net interest margin | 4.7067% | 691 |
| Noninterest income to average assets | 0.7827% | 2,101 |
| Noninterest expense to average assets | 3.0999% | 3,243 |
| Loan and lease loss provision to assets | 0.0771% | 5,034 |
| Net operating income to assets | 1.0544% | 1,987 |
| Return on assets (ROA) | 1.0757% | 1,977 |
| Pretax return on assets | 1.5692% | 1,256 |
| Return on Equity (ROE) | 8.5357% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.5357% | 1,543 |
| Net charge-offs to loans | 0.3616% | 2,616 |
| Credit loss provision to net charge-offs | 52.6316% | 3,700 |
| Earnings coverage of net charge-offs (x) | 11.0263% | 1,588 |
| Efficiency ratio | 65.7400% | 5,077 |
| Assets per employee ($millions) | 2.4478% | 7,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 4,667 |
| Loan loss allowance to noncurrent loans | 68.4579% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 4,814 |
| Noncurrent loans to loans | 2.0448% | 3,516 |
| Net loans and leases to total assets | 39.2156% | 6,835 |
| Net loans and leases to deposits | 45.1000% | 6,908 |
| Net loans and leases to core deposits | 46.7473% | 6,939 |
| Total domestic deposits to total assets | 86.9525% | 2,968 |
| Equity capital to assets | 12.6675% | 1,541 |
| Core capital (leverage) ratio | 12.9249% | 1,144 |
| Tier 1 risk-based capital ratio | 21.8912% | 1,247 |
| Total risk-based capital ratio | 22.8514% | 1,275 |
| Memoranda: | ||
| Average total assets | $103,745,500 | 4,896 |
| Average earning assets | $86,684,500 | 5,138 |
| Average equity | $13,074,500 | 4,321 |
| Average total loans | $42,038,000 | 5,754 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1236% | 671 |
| Cost of funding earning assets | 1.4371% | 3,036 |
| Net interest margin | 4.6865% | 841 |
| Noninterest income to average assets | 0.7947% | 2,313 |
| Noninterest expense to average assets | 3.1623% | 3,225 |
| Loan and lease loss provision to assets | 0.2156% | 5,100 |
| Net operating income to assets | 0.9943% | 2,061 |
| Return on assets (ROA) | 1.0505% | 1,969 |
| Pretax return on assets | 1.5111% | 1,343 |
| Return on Equity (ROE) | 8.1386% | 2,647 |
| Retained earnings to average equity (ytd only) | 3.5834% | 3,348 |
| Net charge-offs to loans | 0.1031% | 5,834 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 38.1818% | 606 |
| Efficiency ratio | 65.7632% | 5,014 |
| Assets per employee ($millions) | 2.3236% | 7,197 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 4,360 |
| Loan loss allowance to noncurrent loans | 60.6212% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.2471% | 4,531 |
| Noncurrent loans to loans | 2.3641% | 3,157 |
| Net loans and leases to total assets | 40.6986% | 6,924 |
| Net loans and leases to deposits | 46.6683% | 7,015 |
| Net loans and leases to core deposits | 48.2669% | 7,057 |
| Total domestic deposits to total assets | 87.2082% | 2,712 |
| Equity capital to assets | 12.5356% | 1,614 |
| Core capital (leverage) ratio | 12.5698% | 1,285 |
| Tier 1 risk-based capital ratio | 21.7303% | 1,213 |
| Total risk-based capital ratio | 22.7354% | 1,227 |
| Memoranda: | ||
| Average total assets | $102,046,400 | 4,926 |
| Average earning assets | $87,399,400 | 5,101 |
| Average equity | $13,171,800 | 4,332 |
| Average total loans | $42,688,800 | 5,809 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1745% | 649 |
| Cost of funding earning assets | 1.4901% | 3,040 |
| Net interest margin | 4.6844% | 875 |
| Noninterest income to average assets | 0.7791% | 2,328 |
| Noninterest expense to average assets | 3.0889% | 3,383 |
| Loan and lease loss provision to assets | 0.2091% | 4,974 |
| Net operating income to assets | 1.0184% | 2,175 |
| Return on assets (ROA) | 1.0902% | 2,031 |
| Pretax return on assets | 1.6196% | 1,294 |
| Return on Equity (ROE) | 8.3854% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.3854% | 1,278 |
| Net charge-offs to loans | 0.0031% | 6,639 |
| Credit loss provision to net charge-offs | 16,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,320.2707% | 19 |
| Efficiency ratio | 64.2120% | 5,207 |
| Assets per employee ($millions) | 2.4111% | 7,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,563 |
| Loan loss allowance to noncurrent loans | 180.6154% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 5,985 |
| Noncurrent loans to loans | 0.7653% | 5,679 |
| Net loans and leases to total assets | 40.3966% | 7,054 |
| Net loans and leases to deposits | 47.0595% | 7,127 |
| Net loans and leases to core deposits | 48.6711% | 7,177 |
| Total domestic deposits to total assets | 85.8416% | 3,163 |
| Equity capital to assets | 13.5604% | 1,327 |
| Core capital (leverage) ratio | 13.0021% | 1,230 |
| Tier 1 risk-based capital ratio | 23.1696% | 1,043 |
| Total risk-based capital ratio | 24.1813% | 1,052 |
| Memoranda: | ||
| Average total assets | $101,998,750 | 4,992 |
| Average earning assets | $87,778,000 | 5,151 |
| Average equity | $13,260,750 | 4,379 |
| Average total loans | $42,807,500 | 5,882 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0576% | 832 |
| Cost of funding earning assets | 1.4948% | 3,282 |
| Net interest margin | 4.5628% | 1,080 |
| Noninterest income to average assets | 0.7808% | 2,228 |
| Noninterest expense to average assets | 3.0895% | 3,364 |
| Loan and lease loss provision to assets | 0.2366% | 4,545 |
| Net operating income to assets | 0.9948% | 2,217 |
| Return on assets (ROA) | 1.1061% | 1,909 |
| Pretax return on assets | 1.6384% | 1,191 |
| Return on Equity (ROE) | 8.6343% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.6343% | 1,219 |
| Net charge-offs to loans | -0.0093% | 7,184 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3532% | 5,268 |
| Assets per employee ($millions) | 2.3271% | 7,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 5,023 |
| Loan loss allowance to noncurrent loans | 108.4646% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 5,141 |
| Noncurrent loans to loans | 1.1826% | 4,983 |
| Net loans and leases to total assets | 41.4126% | 7,072 |
| Net loans and leases to deposits | 47.9814% | 7,162 |
| Net loans and leases to core deposits | 49.4018% | 7,235 |
| Total domestic deposits to total assets | 86.3097% | 2,924 |
| Equity capital to assets | 13.2498% | 1,456 |
| Core capital (leverage) ratio | 12.7441% | 1,308 |
| Tier 1 risk-based capital ratio | 23.4097% | 1,007 |
| Total risk-based capital ratio | 24.3890% | 1,024 |
| Memoranda: | ||
| Average total assets | $101,439,330 | 5,041 |
| Average earning assets | $89,375,670 | 5,120 |
| Average equity | $12,994,670 | 4,441 |
| Average total loans | $42,920,330 | 5,907 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9245% | 1,144 |
| Cost of funding earning assets | 1.5148% | 3,458 |
| Net interest margin | 4.4096% | 1,363 |
| Noninterest income to average assets | 0.7567% | 2,261 |
| Noninterest expense to average assets | 3.0665% | 3,403 |
| Loan and lease loss provision to assets | 0.2377% | 4,142 |
| Net operating income to assets | 0.8082% | 2,927 |
| Return on assets (ROA) | 0.8082% | 3,021 |
| Pretax return on assets | 1.3391% | 1,937 |
| Return on Equity (ROE) | 6.4209% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.4209% | 2,399 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0410% | 5,106 |
| Assets per employee ($millions) | 2.3858% | 7,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 5,791 |
| Loan loss allowance to noncurrent loans | 48.4158% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.4894% | 4,276 |
| Noncurrent loans to loans | 2.3699% | 3,310 |
| Net loans and leases to total assets | 41.0640% | 7,173 |
| Net loans and leases to deposits | 47.1769% | 7,270 |
| Net loans and leases to core deposits | 48.7294% | 7,331 |
| Total domestic deposits to total assets | 87.0427% | 2,609 |
| Equity capital to assets | 12.6376% | 1,686 |
| Core capital (leverage) ratio | 12.6919% | 1,331 |
| Tier 1 risk-based capital ratio | 22.7000% | 1,118 |
| Total risk-based capital ratio | 23.5663% | 1,138 |
| Memoranda: | ||
| Average total assets | $100,962,000 | 5,118 |
| Average earning assets | $88,987,000 | 5,192 |
| Average equity | $12,708,500 | 4,541 |
| Average total loans | $42,903,000 | 5,986 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4161% | 801 |
| Cost of funding earning assets | 1.8512% | 3,729 |
| Net interest margin | 4.5650% | 1,046 |
| Noninterest income to average assets | 0.8191% | 2,310 |
| Noninterest expense to average assets | 3.4071% | 2,652 |
| Loan and lease loss provision to assets | 0.2566% | 5,342 |
| Net operating income to assets | 0.7406% | 2,768 |
| Return on assets (ROA) | 0.6515% | 3,189 |
| Pretax return on assets | 0.9688% | 2,692 |
| Return on Equity (ROE) | 4.8687% | 3,726 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.6775% | 3,156 |
| Credit loss provision to net charge-offs | 87.1886% | 6,097 |
| Earnings coverage of net charge-offs (x) | 4.6157% | 2,882 |
| Efficiency ratio | 71.4945% | 4,350 |
| Assets per employee ($millions) | 2.2576% | 7,521 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 6,429 |
| Loan loss allowance to noncurrent loans | 39.8329% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 1.6208% | 3,936 |
| Noncurrent loans to loans | 2.4937% | 3,044 |
| Net loans and leases to total assets | 43.0471% | 7,173 |
| Net loans and leases to deposits | 49.3480% | 7,293 |
| Net loans and leases to core deposits | 60.9525% | 7,228 |
| Total domestic deposits to total assets | 87.2318% | 2,373 |
| Equity capital to assets | 12.5356% | 1,733 |
| Core capital (leverage) ratio | 12.7188% | 1,343 |
| Tier 1 risk-based capital ratio | 22.3675% | 1,113 |
| Total risk-based capital ratio | 23.1285% | 1,143 |
| Memoranda: | ||
| Average total assets | $95,476,200 | 5,227 |
| Average earning assets | $82,541,800 | 5,379 |
| Average equity | $12,775,600 | 4,561 |
| Average total loans | $41,477,200 | 6,036 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6197% | 595 |
| Cost of funding earning assets | 1.9272% | 3,737 |
| Net interest margin | 4.6924% | 838 |
| Noninterest income to average assets | 0.8210% | 2,329 |
| Noninterest expense to average assets | 3.2559% | 3,097 |
| Loan and lease loss provision to assets | 0.1058% | 6,319 |
| Net operating income to assets | 0.9621% | 2,187 |
| Return on assets (ROA) | 0.7420% | 3,110 |
| Pretax return on assets | 1.1497% | 2,417 |
| Return on Equity (ROE) | 5.4550% | 3,759 |
| Retained earnings to average equity (ytd only) | 5.4550% | 2,228 |
| Net charge-offs to loans | 0.3540% | 3,871 |
| Credit loss provision to net charge-offs | 68.8073% | 6,005 |
| Earnings coverage of net charge-offs (x) | 10.3670% | 1,968 |
| Efficiency ratio | 67.1321% | 5,158 |
| Assets per employee ($millions) | 2.2116% | 7,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 6,095 |
| Loan loss allowance to noncurrent loans | 40.7970% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 1.6340% | 3,910 |
| Noncurrent loans to loans | 2.5323% | 2,979 |
| Net loans and leases to total assets | 42.3317% | 7,340 |
| Net loans and leases to deposits | 49.3093% | 7,442 |
| Net loans and leases to core deposits | 60.0525% | 7,397 |
| Total domestic deposits to total assets | 85.8493% | 2,779 |
| Equity capital to assets | 13.7499% | 1,396 |
| Core capital (leverage) ratio | 13.7545% | 1,156 |
| Tier 1 risk-based capital ratio | 23.7715% | 1,022 |
| Total risk-based capital ratio | 24.5498% | 1,046 |
| Memoranda: | ||
| Average total assets | $94,512,000 | 5,289 |
| Average earning assets | $81,150,250 | 5,446 |
| Average equity | $12,856,500 | 4,570 |
| Average total loans | $41,049,250 | 6,104 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5521% | 728 |
| Cost of funding earning assets | 1.9580% | 3,963 |
| Net interest margin | 4.5941% | 966 |
| Noninterest income to average assets | 0.8271% | 2,285 |
| Noninterest expense to average assets | 3.2806% | 3,047 |
| Loan and lease loss provision to assets | 0.0321% | 6,921 |
| Net operating income to assets | 0.9935% | 2,137 |
| Return on assets (ROA) | 0.6754% | 3,475 |
| Pretax return on assets | 1.0366% | 2,851 |
| Return on Equity (ROE) | 4.9834% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.9834% | 2,516 |
| Net charge-offs to loans | 0.3231% | 3,565 |
| Credit loss provision to net charge-offs | 22.7273% | 6,100 |
| Earnings coverage of net charge-offs (x) | 11.0455% | 1,940 |
| Efficiency ratio | 67.8004% | 5,190 |
| Assets per employee ($millions) | 2.1440% | 7,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 6,137 |
| Loan loss allowance to noncurrent loans | 47.0387% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4745% | 4,026 |
| Noncurrent loans to loans | 2.1519% | 3,310 |
| Net loans and leases to total assets | 42.8149% | 7,402 |
| Net loans and leases to deposits | 49.7095% | 7,497 |
| Net loans and leases to core deposits | 59.3188% | 7,473 |
| Total domestic deposits to total assets | 86.1301% | 2,721 |
| Equity capital to assets | 13.5222% | 1,484 |
| Core capital (leverage) ratio | 13.6520% | 1,227 |
| Tier 1 risk-based capital ratio | 23.7894% | 1,062 |
| Total risk-based capital ratio | 24.5495% | 1,085 |
| Memoranda: | ||
| Average total assets | $93,579,330 | 5,359 |
| Average earning assets | $81,714,000 | 5,476 |
| Average equity | $12,682,000 | 4,634 |
| Average total loans | $40,858,000 | 6,164 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6862% | 594 |
| Cost of funding earning assets | 2.0255% | 4,007 |
| Net interest margin | 4.6607% | 843 |
| Noninterest income to average assets | 0.8197% | 2,233 |
| Noninterest expense to average assets | 3.3819% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8970% | 2,715 |
| Return on assets (ROA) | 0.8970% | 2,865 |
| Pretax return on assets | 1.5064% | 1,650 |
| Return on Equity (ROE) | 6.6113% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.6113% | 2,373 |
| Net charge-offs to loans | 0.1957% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 17.5500% | 1,503 |
| Efficiency ratio | 69.1835% | 4,742 |
| Assets per employee ($millions) | 2.1235% | 7,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,507 |
| Loan loss allowance to noncurrent loans | 66.1699% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2672% | 4,142 |
| Noncurrent loans to loans | 1.6565% | 3,790 |
| Net loans and leases to total assets | 42.8804% | 7,415 |
| Net loans and leases to deposits | 49.8457% | 7,503 |
| Net loans and leases to core deposits | 58.9350% | 7,498 |
| Total domestic deposits to total assets | 86.0262% | 2,703 |
| Equity capital to assets | 13.5714% | 1,504 |
| Core capital (leverage) ratio | 13.8220% | 1,224 |
| Tier 1 risk-based capital ratio | 25.5935% | 922 |
| Total risk-based capital ratio | 26.4800% | 934 |
| Memoranda: | ||
| Average total assets | $93,202,000 | 5,396 |
| Average earning assets | $81,361,500 | 5,509 |
| Average equity | $12,645,000 | 4,669 |
| Average total loans | $40,886,000 | 6,201 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8861% | 1,440 |
| Cost of funding earning assets | 2.6130% | 3,620 |
| Net interest margin | 4.2732% | 2,062 |
| Noninterest income to average assets | 0.8647% | 2,137 |
| Noninterest expense to average assets | 3.2461% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9631% | 2,726 |
| Return on assets (ROA) | 0.9603% | 2,615 |
| Pretax return on assets | 1.4490% | 1,828 |
| Return on Equity (ROE) | 7.2470% | 3,402 |
| Retained earnings to average equity (ytd only) | 3.5992% | 2,907 |
| Net charge-offs to loans | 0.4320% | 2,663 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 7.9588% | 2,978 |
| Efficiency ratio | 69.0743% | 4,516 |
| Assets per employee ($millions) | 2.1130% | 7,813 |
| Cash dividends to net income (ytd only)* | 50.3356% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,087 |
| Loan loss allowance to noncurrent loans | 70.4545% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 4,107 |
| Noncurrent loans to loans | 1.5995% | 3,371 |
| Net loans and leases to total assets | 43.8831% | 7,478 |
| Net loans and leases to deposits | 51.0300% | 7,580 |
| Net loans and leases to core deposits | 61.5184% | 7,523 |
| Total domestic deposits to total assets | 85.9947% | 2,404 |
| Equity capital to assets | 13.5632% | 1,580 |
| Core capital (leverage) ratio | 13.5328% | 1,377 |
| Tier 1 risk-based capital ratio | 25.3549% | 958 |
| Total risk-based capital ratio | 26.2899% | 966 |
| Memoranda: | ||
| Average total assets | $93,097,000 | 5,257 |
| Average earning assets | $83,544,800 | 5,312 |
| Average equity | $12,336,200 | 4,747 |
| Average total loans | $39,347,800 | 6,205 |