Home > Texas Heritage Bank > Performance and Condition Ratios
Texas Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0301% | 24 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 40,331.0000% | 27 |
| Cost of funding earning assets | 17.0000% | 31 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.0334% | 2,090 |
| Pretax return on assets | 1.0334% | 2,577 |
| Return on Equity (ROE) | 11.4500% | 2,108 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0100% | 2,276 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.6038% | 2,805 |
| Efficiency ratio | 4.6341% | 4,568 |
| Assets per employee ($millions) | 0.0000% | 4,576 |
| Cash dividends to net income (ytd only)* | 15.0000% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 482.0000% | 43 |
| Total domestic deposits to total assets | 2,407.0000% | 10 |
| Equity capital to assets | 21,490.0000% | 27 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,081,000 | 4,598 |
| Average earning assets | $11,538 | 4,547 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 2,487 |
| Cost of funding earning assets | 0.7996% | 3,516 |
| Net interest margin | 3.8922% | 1,420 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 3.1078% | 921 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0899% | 2,087 |
| Return on assets (ROA) | 1.0899% | 2,072 |
| Pretax return on assets | 1.0899% | 2,594 |
| Return on Equity (ROE) | 12.1700% | 2,081 |
| Retained earnings to average equity (ytd only) | 0.6390% | 4,024 |
| Net charge-offs to loans | 0.0137% | 1,905 |
| Credit loss provision to net charge-offs | -771.4286% | 4,588 |
| Earnings coverage of net charge-offs (x) | 128.8571% | 808 |
| Efficiency ratio | 73.8854% | 1,371 |
| Assets per employee ($millions) | 5.4862% | 3,188 |
| Cash dividends to net income (ytd only)* | 94.7486% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 2,701 |
| Loan loss allowance to noncurrent loans | 464.7564% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 2,521 |
| Noncurrent loans to loans | 0.2443% | 2,372 |
| Net loans and leases to total assets | 64.3500% | 2,404 |
| Net loans and leases to deposits | 75.7431% | 2,437 |
| Net loans and leases to core deposits | 79.7514% | 2,623 |
| Total domestic deposits to total assets | 84.9600% | 2,511 |
| Equity capital to assets | 8.6495% | 2,629 |
| Core capital (leverage) ratio | 10.2710% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3563% | 1,049 |
| Memoranda: | ||
| Average total assets | $218,969,000 | 2,868 |
| Average earning assets | $211,599,250 | 2,804 |
| Average equity | $19,614,250 | 2,878 |
| Average total loans | $136,632,000 | 2,809 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 2,577 |
| Cost of funding earning assets | 0.5850% | 3,790 |
| Net interest margin | 3.9435% | 1,341 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 3.1489% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1060% | 2,111 |
| Return on assets (ROA) | 1.1060% | 2,100 |
| Pretax return on assets | 1.1060% | 2,631 |
| Return on Equity (ROE) | 12.2100% | 2,090 |
| Retained earnings to average equity (ytd only) | -0.6255% | 4,179 |
| Net charge-offs to loans | 0.0015% | 2,342 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | 1,213.0000% | 121 |
| Efficiency ratio | 73.9588% | 1,350 |
| Assets per employee ($millions) | 5.4998% | 3,154 |
| Cash dividends to net income (ytd only)* | 105.1240% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,609 |
| Loan loss allowance to noncurrent loans | 523.5484% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 2,564 |
| Noncurrent loans to loans | 0.2230% | 2,372 |
| Net loans and leases to total assets | 62.4600% | 2,532 |
| Net loans and leases to deposits | 69.9026% | 2,794 |
| Net loans and leases to core deposits | 73.8303% | 2,901 |
| Total domestic deposits to total assets | 89.3600% | 1,119 |
| Equity capital to assets | 8.9095% | 2,582 |
| Core capital (leverage) ratio | 10.5290% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8040% | 991 |
| Memoranda: | ||
| Average total assets | $218,810,000 | 2,877 |
| Average earning assets | $211,285,667 | 2,817 |
| Average equity | $19,825,333 | 2,883 |
| Average total loans | $134,561,000 | 2,827 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,474 |
| Cost of funding earning assets | 0.4390% | 3,865 |
| Net interest margin | 3.9891% | 1,280 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 3.2023% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0778% | 2,296 |
| Return on assets (ROA) | 1.0778% | 2,266 |
| Pretax return on assets | 1.0778% | 2,775 |
| Return on Equity (ROE) | 11.8000% | 2,272 |
| Retained earnings to average equity (ytd only) | 3.2902% | 3,439 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.7540% | 1,271 |
| Assets per employee ($millions) | 5.4296% | 3,291 |
| Cash dividends to net income (ytd only)* | 72.1088% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,510 |
| Loan loss allowance to noncurrent loans | 302.4209% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 1,913 |
| Noncurrent loans to loans | 0.3994% | 1,735 |
| Net loans and leases to total assets | 59.6600% | 2,698 |
| Net loans and leases to deposits | 66.8026% | 2,862 |
| Net loans and leases to core deposits | 69.6037% | 2,980 |
| Total domestic deposits to total assets | 89.3100% | 1,415 |
| Equity capital to assets | 9.0112% | 2,511 |
| Core capital (leverage) ratio | 10.5261% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5669% | 899 |
| Memoranda: | ||
| Average total assets | $218,219,500 | 2,922 |
| Average earning assets | $210,473,500 | 2,856 |
| Average equity | $19,938,000 | 2,898 |
| Average total loans | $132,322,000 | 2,876 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 1,853 |
| Cost of funding earning assets | 0.1577% | 4,075 |
| Net interest margin | 3.7928% | 1,173 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.8742% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2966% | 1,445 |
| Return on assets (ROA) | 1.2966% | 1,406 |
| Pretax return on assets | 1.2966% | 2,099 |
| Return on Equity (ROE) | 14.2500% | 1,477 |
| Retained earnings to average equity (ytd only) | 5.8887% | 2,684 |
| Net charge-offs to loans | 0.0029% | 2,384 |
| Credit loss provision to net charge-offs | 50.0000% | 1,818 |
| Earnings coverage of net charge-offs (x) | 699.2500% | 257 |
| Efficiency ratio | 68.8980% | 1,853 |
| Assets per employee ($millions) | 5.2153% | 3,501 |
| Cash dividends to net income (ytd only)* | 58.6762% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 1,720 |
| Loan loss allowance to noncurrent loans | 309.2199% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 1,842 |
| Noncurrent loans to loans | 0.4332% | 1,625 |
| Net loans and leases to total assets | 60.0800% | 2,623 |
| Net loans and leases to deposits | 67.6040% | 2,758 |
| Net loans and leases to core deposits | 69.9005% | 2,880 |
| Total domestic deposits to total assets | 88.8700% | 1,754 |
| Equity capital to assets | 9.2673% | 2,184 |
| Core capital (leverage) ratio | 9.9614% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6588% | 874 |
| Memoranda: | ||
| Average total assets | $215,572,000 | 2,941 |
| Average earning assets | $208,580,600 | 2,872 |
| Average equity | $19,613,800 | 2,985 |
| Average total loans | $136,564,200 | 2,767 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7595% | 1,863 |
| Cost of funding earning assets | 0.1084% | 4,212 |
| Net interest margin | 3.6511% | 1,265 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.7634% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2944% | 1,368 |
| Return on assets (ROA) | 1.2944% | 1,332 |
| Pretax return on assets | 1.2944% | 2,064 |
| Return on Equity (ROE) | 14.2900% | 1,352 |
| Retained earnings to average equity (ytd only) | 3.1146% | 3,748 |
| Net charge-offs to loans | -0.0010% | 3,174 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0913% | 2,009 |
| Assets per employee ($millions) | 6.0290% | 2,738 |
| Cash dividends to net income (ytd only)* | 78.2070% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 1,836 |
| Loan loss allowance to noncurrent loans | 584.6154% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 2,671 |
| Noncurrent loans to loans | 0.2296% | 2,474 |
| Net loans and leases to total assets | 57.6000% | 2,749 |
| Net loans and leases to deposits | 64.4268% | 2,830 |
| Net loans and leases to core deposits | 66.4888% | 2,915 |
| Total domestic deposits to total assets | 89.4000% | 1,920 |
| Equity capital to assets | 8.3492% | 2,643 |
| Core capital (leverage) ratio | 9.4996% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7954% | 1,025 |
| Memoranda: | ||
| Average total assets | $216,008,500 | 2,960 |
| Average earning assets | $209,028,750 | 2,887 |
| Average equity | $19,563,250 | 3,033 |
| Average total loans | $138,154,500 | 2,746 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 1,760 |
| Cost of funding earning assets | 0.0939% | 4,257 |
| Net interest margin | 3.5312% | 1,230 |
| Noninterest income to average assets | 0.4643% | 2,373 |
| Noninterest expense to average assets | 2.7231% | 1,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1570% | 1,578 |
| Return on assets (ROA) | 1.1570% | 1,561 |
| Pretax return on assets | 1.1570% | 2,218 |
| Return on Equity (ROE) | 12.4371% | 1,539 |
| Retained earnings to average equity (ytd only) | 0.0604% | 4,171 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1809% | 1,933 |
| Assets per employee ($millions) | 5.7076% | 3,021 |
| Cash dividends to net income (ytd only)* | 99.5146% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,297 |
| Loan loss allowance to noncurrent loans | 690.1186% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 2,285 |
| Noncurrent loans to loans | 0.1848% | 2,781 |
| Net loans and leases to total assets | 60.7040% | 2,250 |
| Net loans and leases to deposits | 67.8483% | 2,401 |
| Net loans and leases to core deposits | 70.5704% | 2,443 |
| Total domestic deposits to total assets | 89.4701% | 1,960 |
| Equity capital to assets | 8.3223% | 2,887 |
| Core capital (leverage) ratio | 9.6365% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1593% | 1,400 |
| Memoranda: | ||
| Average total assets | $213,653,333 | 2,998 |
| Average earning assets | $206,672,333 | 2,941 |
| Average equity | $19,876,000 | 3,082 |
| Average total loans | $140,793,667 | 2,743 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 1,371 |
| Cost of funding earning assets | 0.1068% | 4,052 |
| Net interest margin | 3.5499% | 982 |
| Noninterest income to average assets | 0.4322% | 2,485 |
| Noninterest expense to average assets | 2.6159% | 1,564 |
| Loan and lease loss provision to assets | 0.0019% | 2,262 |
| Net operating income to assets | 1.2468% | 1,130 |
| Return on assets (ROA) | 1.2468% | 1,115 |
| Pretax return on assets | 1.2468% | 1,666 |
| Return on Equity (ROE) | 12.6901% | 1,111 |
| Retained earnings to average equity (ytd only) | 4.7101% | 2,704 |
| Net charge-offs to loans | 0.0028% | 1,687 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 653.0000% | 150 |
| Efficiency ratio | 67.6893% | 2,542 |
| Assets per employee ($millions) | 5.8462% | 2,952 |
| Cash dividends to net income (ytd only)* | 62.8834% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,685 |
| Loan loss allowance to noncurrent loans | 646.6667% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 2,288 |
| Noncurrent loans to loans | 0.1908% | 2,862 |
| Net loans and leases to total assets | 66.4058% | 1,372 |
| Net loans and leases to deposits | 75.6026% | 1,480 |
| Net loans and leases to core deposits | 79.0054% | 1,552 |
| Total domestic deposits to total assets | 87.8353% | 2,607 |
| Equity capital to assets | 9.5670% | 2,231 |
| Core capital (leverage) ratio | 10.1864% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6207% | 1,359 |
| Memoranda: | ||
| Average total assets | $209,182,500 | 3,047 |
| Average earning assets | $202,258,000 | 2,996 |
| Average equity | $20,551,500 | 3,099 |
| Average total loans | $142,755,500 | 2,719 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 1,555 |
| Cost of funding earning assets | 0.1680% | 3,794 |
| Net interest margin | 3.7535% | 1,096 |
| Noninterest income to average assets | 0.5479% | 2,371 |
| Noninterest expense to average assets | 2.8910% | 1,172 |
| Loan and lease loss provision to assets | -0.0707% | 4,442 |
| Net operating income to assets | 1.3751% | 1,362 |
| Return on assets (ROA) | 1.3751% | 1,412 |
| Pretax return on assets | 1.3751% | 2,122 |
| Return on Equity (ROE) | 16.8391% | 615 |
| Retained earnings to average equity (ytd only) | 8.3068% | 1,422 |
| Net charge-offs to loans | -0.0987% | 4,579 |
| Credit loss provision to net charge-offs | 104.4118% | 1,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9087% | 1,868 |
| Assets per employee ($millions) | 5.3308% | 3,437 |
| Cash dividends to net income (ytd only)* | 50.6696% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,821 |
| Loan loss allowance to noncurrent loans | 625.8065% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 2,390 |
| Noncurrent loans to loans | 0.1937% | 2,981 |
| Net loans and leases to total assets | 68.4261% | 1,217 |
| Net loans and leases to deposits | 78.9719% | 1,298 |
| Net loans and leases to core deposits | 82.6195% | 1,414 |
| Total domestic deposits to total assets | 86.6462% | 2,647 |
| Equity capital to assets | 10.0855% | 2,577 |
| Core capital (leverage) ratio | 10.1729% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4962% | 1,392 |
| Memoranda: | ||
| Average total assets | $200,935,000 | 3,059 |
| Average earning assets | $195,257,200 | 2,995 |
| Average equity | $16,408,200 | 3,510 |
| Average total loans | $137,798,800 | 2,751 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 1,558 |
| Cost of funding earning assets | 0.1806% | 3,817 |
| Net interest margin | 3.8090% | 1,098 |
| Noninterest income to average assets | 0.5823% | 2,289 |
| Noninterest expense to average assets | 2.8715% | 1,186 |
| Loan and lease loss provision to assets | -0.1004% | 4,606 |
| Net operating income to assets | 1.5107% | 1,245 |
| Return on assets (ROA) | 1.5107% | 1,294 |
| Pretax return on assets | 1.5107% | 1,969 |
| Return on Equity (ROE) | 19.7093% | 448 |
| Retained earnings to average equity (ytd only) | 7.4838% | 2,234 |
| Net charge-offs to loans | -0.1399% | 4,711 |
| Credit loss provision to net charge-offs | 104.8951% | 1,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0627% | 1,962 |
| Assets per employee ($millions) | 5.8550% | 2,829 |
| Cash dividends to net income (ytd only)* | 62.0292% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,464 |
| Loan loss allowance to noncurrent loans | 491.5493% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 2,471 |
| Noncurrent loans to loans | 0.2653% | 2,860 |
| Net loans and leases to total assets | 60.9615% | 2,141 |
| Net loans and leases to deposits | 68.0679% | 2,429 |
| Net loans and leases to core deposits | 71.0167% | 2,512 |
| Total domestic deposits to total assets | 89.5599% | 980 |
| Equity capital to assets | 7.2269% | 4,771 |
| Core capital (leverage) ratio | 7.7326% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7530% | 2,450 |
| Memoranda: | ||
| Average total assets | $199,193,000 | 3,105 |
| Average earning assets | $193,466,000 | 3,041 |
| Average equity | $15,268,250 | 3,653 |
| Average total loans | $136,247,000 | 2,807 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3203% | 970 |
| Cost of funding earning assets | 0.2027% | 3,723 |
| Net interest margin | 4.1176% | 670 |
| Noninterest income to average assets | 0.6640% | 1,954 |
| Noninterest expense to average assets | 3.0096% | 967 |
| Loan and lease loss provision to assets | -0.1572% | 4,714 |
| Net operating income to assets | 1.8037% | 709 |
| Return on assets (ROA) | 1.8037% | 742 |
| Pretax return on assets | 1.8037% | 1,224 |
| Return on Equity (ROE) | 23.0398% | 262 |
| Retained earnings to average equity (ytd only) | 9.1684% | 1,660 |
| Net charge-offs to loans | -0.2101% | 4,802 |
| Credit loss provision to net charge-offs | 105.5556% | 1,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6379% | 2,342 |
| Assets per employee ($millions) | 5.3774% | 3,261 |
| Cash dividends to net income (ytd only)* | 60.2064% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,444 |
| Loan loss allowance to noncurrent loans | 417.2249% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 2,324 |
| Noncurrent loans to loans | 0.3112% | 2,808 |
| Net loans and leases to total assets | 66.6439% | 1,617 |
| Net loans and leases to deposits | 75.1755% | 1,899 |
| Net loans and leases to core deposits | 78.5368% | 2,001 |
| Total domestic deposits to total assets | 88.6511% | 1,475 |
| Equity capital to assets | 7.7583% | 4,651 |
| Core capital (leverage) ratio | 7.7505% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9227% | 2,392 |
| Memoranda: | ||
| Average total assets | $193,379,000 | 3,150 |
| Average earning assets | $187,485,667 | 3,084 |
| Average equity | $15,139,000 | 3,670 |
| Average total loans | $137,059,667 | 2,815 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 646 |
| Cost of funding earning assets | 0.2255% | 3,674 |
| Net interest margin | 4.3888% | 437 |
| Noninterest income to average assets | 0.4701% | 2,753 |
| Noninterest expense to average assets | 3.0537% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6643% | 1,000 |
| Return on assets (ROA) | 1.6643% | 1,047 |
| Pretax return on assets | 1.6643% | 1,569 |
| Return on Equity (ROE) | 21.1601% | 455 |
| Retained earnings to average equity (ytd only) | 11.8208% | 1,197 |
| Net charge-offs to loans | 0.0116% | 1,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 198.2500% | 401 |
| Efficiency ratio | 64.7242% | 2,378 |
| Assets per employee ($millions) | 5.5261% | 3,088 |
| Cash dividends to net income (ytd only)* | 44.1362% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,687 |
| Loan loss allowance to noncurrent loans | 445.9184% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 2,184 |
| Noncurrent loans to loans | 0.2793% | 3,097 |
| Net loans and leases to total assets | 69.6790% | 1,336 |
| Net loans and leases to deposits | 78.4458% | 1,676 |
| Net loans and leases to core deposits | 82.0863% | 1,832 |
| Total domestic deposits to total assets | 88.8243% | 1,430 |
| Equity capital to assets | 7.6028% | 4,678 |
| Core capital (leverage) ratio | 7.9982% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4396% | 2,109 |
| Memoranda: | ||
| Average total assets | $190,587,500 | 3,160 |
| Average earning assets | $184,468,000 | 3,100 |
| Average equity | $14,990,500 | 3,691 |
| Average total loans | $138,419,500 | 2,804 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 804 |
| Cost of funding earning assets | 0.4137% | 3,499 |
| Net interest margin | 4.3389% | 469 |
| Noninterest income to average assets | 0.4560% | 2,841 |
| Noninterest expense to average assets | 3.1017% | 1,226 |
| Loan and lease loss provision to assets | 0.3636% | 920 |
| Net operating income to assets | 1.1955% | 1,572 |
| Return on assets (ROA) | 1.1955% | 1,673 |
| Pretax return on assets | 1.1955% | 2,340 |
| Return on Equity (ROE) | 13.9163% | 834 |
| Retained earnings to average equity (ytd only) | 2.8880% | 3,425 |
| Net charge-offs to loans | 0.0875% | 1,588 |
| Credit loss provision to net charge-offs | 520.3390% | 1,221 |
| Earnings coverage of net charge-offs (x) | 22.3136% | 1,861 |
| Efficiency ratio | 66.5481% | 2,442 |
| Assets per employee ($millions) | 5.5222% | 2,825 |
| Cash dividends to net income (ytd only)* | 79.2472% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,496 |
| Loan loss allowance to noncurrent loans | 671.2644% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 2,459 |
| Noncurrent loans to loans | 0.1912% | 3,526 |
| Net loans and leases to total assets | 73.9264% | 1,029 |
| Net loans and leases to deposits | 84.1084% | 1,445 |
| Net loans and leases to core deposits | 88.7921% | 1,622 |
| Total domestic deposits to total assets | 87.8941% | 1,532 |
| Equity capital to assets | 8.1522% | 4,638 |
| Core capital (leverage) ratio | 8.1339% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8000% | 1,928 |
| Memoranda: | ||
| Average total assets | $168,877,400 | 3,201 |
| Average earning assets | $163,658,000 | 3,133 |
| Average equity | $14,508,200 | 3,692 |
| Average total loans | $134,863,600 | 2,805 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 490 |
| Cost of funding earning assets | 0.4586% | 3,478 |
| Net interest margin | 4.6521% | 286 |
| Noninterest income to average assets | 0.4502% | 2,846 |
| Noninterest expense to average assets | 3.2024% | 1,074 |
| Loan and lease loss provision to assets | 0.4972% | 592 |
| Net operating income to assets | 1.2613% | 1,447 |
| Return on assets (ROA) | 1.2613% | 1,561 |
| Pretax return on assets | 1.2613% | 2,189 |
| Return on Equity (ROE) | 14.4783% | 800 |
| Retained earnings to average equity (ytd only) | -0.3143% | 4,532 |
| Net charge-offs to loans | 0.1190% | 1,173 |
| Credit loss provision to net charge-offs | 514.1667% | 1,264 |
| Earnings coverage of net charge-offs (x) | 18.1917% | 1,969 |
| Efficiency ratio | 64.5559% | 2,650 |
| Assets per employee ($millions) | 5.3429% | 2,842 |
| Cash dividends to net income (ytd only)* | 102.1711% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,477 |
| Loan loss allowance to noncurrent loans | 733.4728% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 2,635 |
| Noncurrent loans to loans | 0.1682% | 3,707 |
| Net loans and leases to total assets | 79.5792% | 644 |
| Net loans and leases to deposits | 90.7181% | 1,197 |
| Net loans and leases to core deposits | 96.1561% | 1,444 |
| Total domestic deposits to total assets | 87.7214% | 1,333 |
| Equity capital to assets | 8.1508% | 4,658 |
| Core capital (leverage) ratio | 8.0721% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5920% | 1,964 |
| Memoranda: | ||
| Average total assets | $165,538,250 | 3,212 |
| Average earning assets | $160,497,500 | 3,149 |
| Average equity | $14,421,250 | 3,706 |
| Average total loans | $134,461,750 | 2,819 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3466% | 446 |
| Cost of funding earning assets | 0.5163% | 3,434 |
| Net interest margin | 4.8302% | 268 |
| Noninterest income to average assets | 0.4397% | 2,860 |
| Noninterest expense to average assets | 3.3419% | 935 |
| Loan and lease loss provision to assets | 0.5360% | 635 |
| Net operating income to assets | 1.2523% | 1,487 |
| Return on assets (ROA) | 1.2523% | 1,605 |
| Pretax return on assets | 1.2523% | 2,175 |
| Return on Equity (ROE) | 14.0463% | 881 |
| Retained earnings to average equity (ytd only) | -1.8839% | 4,579 |
| Net charge-offs to loans | -0.0061% | 4,068 |
| Credit loss provision to net charge-offs | -10,850.0000% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1420% | 2,644 |
| Assets per employee ($millions) | 5.3326% | 2,797 |
| Cash dividends to net income (ytd only)* | 113.4122% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,823 |
| Loan loss allowance to noncurrent loans | 502.6706% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 2,607 |
| Noncurrent loans to loans | 0.2271% | 3,563 |
| Net loans and leases to total assets | 80.9208% | 507 |
| Net loans and leases to deposits | 92.2359% | 1,133 |
| Net loans and leases to core deposits | 97.1539% | 1,485 |
| Total domestic deposits to total assets | 87.7324% | 1,315 |
| Equity capital to assets | 7.8706% | 4,779 |
| Core capital (leverage) ratio | 8.1005% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5965% | 2,362 |
| Memoranda: | ||
| Average total assets | $161,946,000 | 3,229 |
| Average earning assets | $157,260,000 | 3,159 |
| Average equity | $14,438,000 | 3,711 |
| Average total loans | $131,928,000 | 2,842 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 829 |
| Cost of funding earning assets | 0.6176% | 3,345 |
| Net interest margin | 4.4641% | 549 |
| Noninterest income to average assets | 0.5070% | 2,517 |
| Noninterest expense to average assets | 3.2759% | 1,270 |
| Loan and lease loss provision to assets | 0.0105% | 3,640 |
| Net operating income to assets | 1.5499% | 698 |
| Return on assets (ROA) | 1.5499% | 767 |
| Pretax return on assets | 1.5499% | 1,183 |
| Return on Equity (ROE) | 16.2512% | 397 |
| Retained earnings to average equity (ytd only) | 6.6107% | 1,678 |
| Net charge-offs to loans | -0.0259% | 4,415 |
| Credit loss provision to net charge-offs | -50.0000% | 3,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7349% | 2,719 |
| Assets per employee ($millions) | 4.6696% | 3,037 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,611 |
| Loan loss allowance to noncurrent loans | 207.5286% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 2,861 |
| Noncurrent loans to loans | 0.4905% | 2,793 |
| Net loans and leases to total assets | 80.0192% | 693 |
| Net loans and leases to deposits | 93.1935% | 1,159 |
| Net loans and leases to core deposits | 99.6227% | 1,504 |
| Total domestic deposits to total assets | 85.8635% | 2,051 |
| Equity capital to assets | 9.5082% | 4,212 |
| Core capital (leverage) ratio | 9.5442% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3246% | 2,563 |
| Memoranda: | ||
| Average total assets | $152,265,500 | 3,299 |
| Average earning assets | $147,666,500 | 3,214 |
| Average equity | $14,522,000 | 3,713 |
| Average total loans | $123,687,500 | 2,918 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 967 |
| Cost of funding earning assets | 0.7092% | 3,122 |
| Net interest margin | 4.5042% | 711 |
| Noninterest income to average assets | 0.5077% | 2,686 |
| Noninterest expense to average assets | 3.3659% | 1,171 |
| Loan and lease loss provision to assets | 0.0231% | 3,556 |
| Net operating income to assets | 1.4987% | 1,058 |
| Return on assets (ROA) | 1.4987% | 1,123 |
| Pretax return on assets | 1.4987% | 1,812 |
| Return on Equity (ROE) | 16.0114% | 535 |
| Retained earnings to average equity (ytd only) | 5.8592% | 1,941 |
| Net charge-offs to loans | 0.0269% | 2,858 |
| Credit loss provision to net charge-offs | 106.2500% | 2,336 |
| Earnings coverage of net charge-offs (x) | 70.0625% | 885 |
| Efficiency ratio | 68.8654% | 2,333 |
| Assets per employee ($millions) | 4.1787% | 3,657 |
| Cash dividends to net income (ytd only)* | 63.4058% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,363 |
| Loan loss allowance to noncurrent loans | 1,697.2973% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,387 |
| Noncurrent loans to loans | 0.0603% | 4,301 |
| Net loans and leases to total assets | 80.7954% | 694 |
| Net loans and leases to deposits | 94.4295% | 1,115 |
| Net loans and leases to core deposits | 101.2757% | 1,463 |
| Total domestic deposits to total assets | 85.5617% | 2,261 |
| Equity capital to assets | 9.5670% | 4,297 |
| Core capital (leverage) ratio | 9.3621% | 4,212 |
| Tier 1 risk-based capital ratio | 12.5876% | 4,018 |
| Total risk-based capital ratio | 13.6922% | 3,980 |
| Memoranda: | ||
| Average total assets | $147,330,000 | 3,332 |
| Average earning assets | $143,264,800 | 3,239 |
| Average equity | $13,790,200 | 3,780 |
| Average total loans | $119,058,400 | 2,953 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1956% | 1,049 |
| Cost of funding earning assets | 0.7126% | 3,148 |
| Net interest margin | 4.4830% | 800 |
| Noninterest income to average assets | 0.5031% | 2,713 |
| Noninterest expense to average assets | 3.3670% | 1,147 |
| Loan and lease loss provision to assets | 0.0073% | 3,740 |
| Net operating income to assets | 1.4902% | 1,214 |
| Return on assets (ROA) | 1.4902% | 1,271 |
| Pretax return on assets | 1.4902% | 1,984 |
| Return on Equity (ROE) | 16.0117% | 602 |
| Retained earnings to average equity (ytd only) | 2.3265% | 4,166 |
| Net charge-offs to loans | 0.0079% | 3,095 |
| Credit loss provision to net charge-offs | 114.2857% | 2,032 |
| Earnings coverage of net charge-offs (x) | 235.2208% | 392 |
| Efficiency ratio | 69.2164% | 2,223 |
| Assets per employee ($millions) | 4.0689% | 3,803 |
| Cash dividends to net income (ytd only)* | 85.4699% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,196 |
| Loan loss allowance to noncurrent loans | 853.7415% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 4,211 |
| Noncurrent loans to loans | 0.1249% | 4,087 |
| Net loans and leases to total assets | 79.5161% | 909 |
| Net loans and leases to deposits | 89.4435% | 1,760 |
| Net loans and leases to core deposits | 93.8414% | 2,192 |
| Total domestic deposits to total assets | 88.9009% | 651 |
| Equity capital to assets | 9.4354% | 4,506 |
| Core capital (leverage) ratio | 9.3878% | 4,292 |
| Tier 1 risk-based capital ratio | 12.5702% | 4,100 |
| Total risk-based capital ratio | 13.7182% | 4,047 |
| Memoranda: | ||
| Average total assets | $146,554,250 | 3,380 |
| Average earning assets | $142,579,250 | 3,278 |
| Average equity | $13,639,750 | 3,838 |
| Average total loans | $118,123,250 | 2,991 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 998 |
| Cost of funding earning assets | 0.7249% | 3,015 |
| Net interest margin | 4.4643% | 831 |
| Noninterest income to average assets | 0.4626% | 2,897 |
| Noninterest expense to average assets | 3.3716% | 1,152 |
| Loan and lease loss provision to assets | 0.0068% | 3,593 |
| Net operating income to assets | 1.4286% | 1,348 |
| Return on assets (ROA) | 1.4286% | 1,399 |
| Pretax return on assets | 1.4286% | 2,107 |
| Return on Equity (ROE) | 15.4205% | 683 |
| Retained earnings to average equity (ytd only) | -0.0442% | 4,691 |
| Net charge-offs to loans | 0.0034% | 3,040 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 144 |
| Efficiency ratio | 70.1391% | 2,204 |
| Assets per employee ($millions) | 3.8924% | 4,007 |
| Cash dividends to net income (ytd only)* | 100.2865% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,261 |
| Loan loss allowance to noncurrent loans | 1,351.6129% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,433 |
| Noncurrent loans to loans | 0.0788% | 4,329 |
| Net loans and leases to total assets | 81.0629% | 723 |
| Net loans and leases to deposits | 91.1352% | 1,607 |
| Net loans and leases to core deposits | 95.8781% | 2,084 |
| Total domestic deposits to total assets | 88.9480% | 681 |
| Equity capital to assets | 9.4342% | 4,467 |
| Core capital (leverage) ratio | 9.1514% | 4,507 |
| Tier 1 risk-based capital ratio | 12.1988% | 4,301 |
| Total risk-based capital ratio | 13.3345% | 4,256 |
| Memoranda: | ||
| Average total assets | $146,578,670 | 3,394 |
| Average earning assets | $142,642,330 | 3,300 |
| Average equity | $13,579,330 | 3,849 |
| Average total loans | $118,254,000 | 3,004 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 1,107 |
| Cost of funding earning assets | 0.6867% | 3,118 |
| Net interest margin | 4.4066% | 886 |
| Noninterest income to average assets | 0.4410% | 2,904 |
| Noninterest expense to average assets | 3.3870% | 1,134 |
| Loan and lease loss provision to assets | 0.0162% | 3,225 |
| Net operating income to assets | 1.3256% | 1,610 |
| Return on assets (ROA) | 1.3256% | 1,654 |
| Pretax return on assets | 1.3256% | 2,356 |
| Return on Equity (ROE) | 14.4378% | 869 |
| Retained earnings to average equity (ytd only) | 4.1251% | 3,269 |
| Net charge-offs to loans | 0.0034% | 2,617 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 496.0000% | 156 |
| Efficiency ratio | 71.6247% | 2,093 |
| Assets per employee ($millions) | 4.2332% | 3,574 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 3,538 |
| Loan loss allowance to noncurrent loans | 817.5325% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 4,292 |
| Noncurrent loans to loans | 0.1257% | 4,171 |
| Net loans and leases to total assets | 81.8286% | 607 |
| Net loans and leases to deposits | 91.7080% | 1,432 |
| Net loans and leases to core deposits | 96.6887% | 1,878 |
| Total domestic deposits to total assets | 89.2273% | 757 |
| Equity capital to assets | 9.2217% | 4,508 |
| Core capital (leverage) ratio | 9.2979% | 4,364 |
| Tier 1 risk-based capital ratio | 12.1276% | 4,394 |
| Total risk-based capital ratio | 13.2466% | 4,352 |
| Memoranda: | ||
| Average total assets | $147,858,500 | 3,414 |
| Average earning assets | $143,874,500 | 3,320 |
| Average equity | $13,575,500 | 3,858 |
| Average total loans | $118,379,500 | 3,037 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 1,294 |
| Cost of funding earning assets | 0.6526% | 2,376 |
| Net interest margin | 4.2453% | 1,292 |
| Noninterest income to average assets | 0.6524% | 2,039 |
| Noninterest expense to average assets | 3.2054% | 1,536 |
| Loan and lease loss provision to assets | 0.0797% | 2,530 |
| Net operating income to assets | 1.4656% | 1,217 |
| Return on assets (ROA) | 1.4656% | 1,207 |
| Pretax return on assets | 1.4656% | 1,892 |
| Return on Equity (ROE) | 17.3509% | 455 |
| Retained earnings to average equity (ytd only) | 8.4570% | 1,061 |
| Net charge-offs to loans | 0.0674% | 2,151 |
| Credit loss provision to net charge-offs | 149.3827% | 1,839 |
| Earnings coverage of net charge-offs (x) | 28.9506% | 1,635 |
| Efficiency ratio | 67.4712% | 2,630 |
| Assets per employee ($millions) | 4.3399% | 3,400 |
| Cash dividends to net income (ytd only)* | 51.2590% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 3,112 |
| Loan loss allowance to noncurrent loans | 733.3333% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 4,251 |
| Noncurrent loans to loans | 0.1497% | 4,074 |
| Net loans and leases to total assets | 76.5865% | 1,505 |
| Net loans and leases to deposits | 85.9337% | 2,280 |
| Net loans and leases to core deposits | 91.0320% | 2,492 |
| Total domestic deposits to total assets | 89.1228% | 811 |
| Equity capital to assets | 9.1409% | 4,457 |
| Core capital (leverage) ratio | 9.2301% | 4,424 |
| Tier 1 risk-based capital ratio | 12.8459% | 3,940 |
| Total risk-based capital ratio | 14.0387% | 3,849 |
| Memoranda: | ||
| Average total assets | $151,742,800 | 3,366 |
| Average earning assets | $146,491,400 | 3,293 |
| Average equity | $12,817,800 | 3,911 |
| Average total loans | $120,113,600 | 2,991 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 1,189 |
| Cost of funding earning assets | 0.6465% | 2,169 |
| Net interest margin | 4.2413% | 1,258 |
| Noninterest income to average assets | 0.7164% | 1,804 |
| Noninterest expense to average assets | 3.1677% | 1,608 |
| Loan and lease loss provision to assets | 0.0969% | 2,039 |
| Net operating income to assets | 1.5393% | 1,094 |
| Return on assets (ROA) | 1.5393% | 1,092 |
| Pretax return on assets | 1.5393% | 1,769 |
| Return on Equity (ROE) | 18.5920% | 376 |
| Retained earnings to average equity (ytd only) | 6.5768% | 2,349 |
| Net charge-offs to loans | 0.0779% | 1,744 |
| Credit loss provision to net charge-offs | 156.3380% | 1,653 |
| Earnings coverage of net charge-offs (x) | 26.4097% | 1,747 |
| Efficiency ratio | 65.9401% | 2,880 |
| Assets per employee ($millions) | 4.4519% | 3,196 |
| Cash dividends to net income (ytd only)* | 64.6258% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,264 |
| Loan loss allowance to noncurrent loans | 526.8908% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,173 |
| Noncurrent loans to loans | 0.2063% | 3,976 |
| Net loans and leases to total assets | 75.3832% | 1,753 |
| Net loans and leases to deposits | 87.2487% | 2,240 |
| Net loans and leases to core deposits | 92.8935% | 2,399 |
| Total domestic deposits to total assets | 86.4003% | 2,015 |
| Equity capital to assets | 8.5899% | 4,870 |
| Core capital (leverage) ratio | 8.4855% | 5,102 |
| Tier 1 risk-based capital ratio | 12.1018% | 4,445 |
| Total risk-based capital ratio | 13.2652% | 4,380 |
| Memoranda: | ||
| Average total assets | $152,789,500 | 3,383 |
| Average earning assets | $147,245,500 | 3,310 |
| Average equity | $12,650,250 | 3,966 |
| Average total loans | $121,576,500 | 3,004 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 1,028 |
| Cost of funding earning assets | 0.6094% | 2,167 |
| Net interest margin | 4.2878% | 1,060 |
| Noninterest income to average assets | 0.4763% | 2,996 |
| Noninterest expense to average assets | 3.2180% | 1,493 |
| Loan and lease loss provision to assets | 0.0953% | 2,025 |
| Net operating income to assets | 1.2854% | 1,838 |
| Return on assets (ROA) | 1.2854% | 1,838 |
| Pretax return on assets | 1.2854% | 2,573 |
| Return on Equity (ROE) | 15.7185% | 727 |
| Retained earnings to average equity (ytd only) | 3.6703% | 3,760 |
| Net charge-offs to loans | 0.0501% | 1,887 |
| Credit loss provision to net charge-offs | 235.4839% | 1,184 |
| Earnings coverage of net charge-offs (x) | 34.1290% | 1,405 |
| Efficiency ratio | 69.9773% | 2,315 |
| Assets per employee ($millions) | 4.2913% | 3,437 |
| Cash dividends to net income (ytd only)* | 76.6497% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,784 |
| Loan loss allowance to noncurrent loans | 460.0733% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 1,288 |
| Noncurrent loans to loans | 0.2191% | 3,935 |
| Net loans and leases to total assets | 79.8352% | 1,051 |
| Net loans and leases to deposits | 95.3609% | 1,213 |
| Net loans and leases to core deposits | 102.2619% | 1,544 |
| Total domestic deposits to total assets | 83.7190% | 3,166 |
| Equity capital to assets | 8.1677% | 5,154 |
| Core capital (leverage) ratio | 8.1729% | 5,279 |
| Tier 1 risk-based capital ratio | 10.8391% | 5,136 |
| Total risk-based capital ratio | 11.9152% | 5,101 |
| Memoranda: | ||
| Average total assets | $153,264,670 | 3,395 |
| Average earning assets | $147,347,000 | 3,330 |
| Average equity | $12,533,000 | 4,003 |
| Average total loans | $123,649,670 | 2,995 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,331 |
| Cost of funding earning assets | 0.5567% | 2,345 |
| Net interest margin | 4.1319% | 1,363 |
| Noninterest income to average assets | 0.4769% | 2,961 |
| Noninterest expense to average assets | 3.1522% | 1,686 |
| Loan and lease loss provision to assets | 0.1074% | 1,740 |
| Net operating income to assets | 1.1844% | 2,079 |
| Return on assets (ROA) | 1.1844% | 2,087 |
| Pretax return on assets | 1.1844% | 2,823 |
| Return on Equity (ROE) | 14.4750% | 907 |
| Retained earnings to average equity (ytd only) | 5.3481% | 3,015 |
| Net charge-offs to loans | 0.0032% | 2,622 |
| Credit loss provision to net charge-offs | 4,100.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 493.0000% | 126 |
| Efficiency ratio | 70.9316% | 2,356 |
| Assets per employee ($millions) | 4.8526% | 2,680 |
| Cash dividends to net income (ytd only)* | 63.0531% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,990 |
| Loan loss allowance to noncurrent loans | 363.4783% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1804% | 1,296 |
| Noncurrent loans to loans | 0.2740% | 3,790 |
| Net loans and leases to total assets | 80.2703% | 901 |
| Net loans and leases to deposits | 99.6180% | 738 |
| Net loans and leases to core deposits | 105.2691% | 1,294 |
| Total domestic deposits to total assets | 80.5782% | 4,299 |
| Equity capital to assets | 8.0852% | 5,236 |
| Core capital (leverage) ratio | 8.2269% | 5,298 |
| Tier 1 risk-based capital ratio | 10.6462% | 5,303 |
| Total risk-based capital ratio | 11.7068% | 5,278 |
| Memoranda: | ||
| Average total assets | $152,653,500 | 3,434 |
| Average earning assets | $146,567,000 | 3,378 |
| Average equity | $12,490,500 | 4,050 |
| Average total loans | $123,179,000 | 3,023 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,498 |
| Cost of funding earning assets | 0.3177% | 3,977 |
| Net interest margin | 4.2593% | 1,058 |
| Noninterest income to average assets | -0.1554% | 5,648 |
| Noninterest expense to average assets | 3.2879% | 1,402 |
| Loan and lease loss provision to assets | 0.1050% | 2,136 |
| Net operating income to assets | 0.5242% | 4,312 |
| Return on assets (ROA) | 0.5242% | 4,343 |
| Pretax return on assets | 0.5242% | 4,892 |
| Return on Equity (ROE) | 6.1101% | 3,715 |
| Retained earnings to average equity (ytd only) | -2.1536% | 5,295 |
| Net charge-offs to loans | 0.0091% | 3,769 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 89.9000% | 699 |
| Efficiency ratio | 83.9378% | 774 |
| Assets per employee ($millions) | 4.5462% | 3,120 |
| Cash dividends to net income (ytd only)* | 135.2470% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,893 |
| Loan loss allowance to noncurrent loans | 971.2000% | 642 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 1,420 |
| Noncurrent loans to loans | 0.1038% | 4,523 |
| Net loans and leases to total assets | 79.4831% | 1,038 |
| Net loans and leases to deposits | 107.5647% | 336 |
| Net loans and leases to core deposits | 113.4125% | 822 |
| Total domestic deposits to total assets | 73.8933% | 5,192 |
| Equity capital to assets | 8.2827% | 5,266 |
| Core capital (leverage) ratio | 8.3135% | 5,276 |
| Tier 1 risk-based capital ratio | 10.7039% | 5,299 |
| Total risk-based capital ratio | 11.7501% | 5,274 |
| Memoranda: | ||
| Average total assets | $142,888,400 | 3,566 |
| Average earning assets | $136,619,400 | 3,498 |
| Average equity | $12,258,400 | 4,099 |
| Average total loans | $109,938,000 | 3,183 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 1,699 |
| Cost of funding earning assets | 0.2906% | 4,225 |
| Net interest margin | 4.1899% | 1,175 |
| Noninterest income to average assets | 0.0142% | 5,661 |
| Noninterest expense to average assets | 3.3572% | 1,231 |
| Loan and lease loss provision to assets | 0.0822% | 2,447 |
| Net operating income to assets | 0.5802% | 4,458 |
| Return on assets (ROA) | 0.5802% | 4,498 |
| Pretax return on assets | 0.5802% | 4,881 |
| Return on Equity (ROE) | 6.7012% | 3,810 |
| Retained earnings to average equity (ytd only) | -4.3547% | 5,530 |
| Net charge-offs to loans | 0.0124% | 3,296 |
| Credit loss provision to net charge-offs | 870.0000% | 408 |
| Earnings coverage of net charge-offs (x) | 70.1155% | 890 |
| Efficiency ratio | 83.5214% | 793 |
| Assets per employee ($millions) | 4.3710% | 3,353 |
| Cash dividends to net income (ytd only)* | 164.9826% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 4,074 |
| Loan loss allowance to noncurrent loans | 810.5634% | 702 |
| Noncurrent assets plus other real estate owned to assets | 1.4136% | 1,099 |
| Noncurrent loans to loans | 0.1231% | 4,566 |
| Net loans and leases to total assets | 79.1822% | 1,101 |
| Net loans and leases to deposits | 103.5213% | 525 |
| Net loans and leases to core deposits | 109.1985% | 1,079 |
| Total domestic deposits to total assets | 76.4888% | 4,959 |
| Equity capital to assets | 8.2604% | 5,415 |
| Core capital (leverage) ratio | 8.2800% | 5,379 |
| Tier 1 risk-based capital ratio | 10.8654% | 5,310 |
| Total risk-based capital ratio | 11.9176% | 5,315 |
| Memoranda: | ||
| Average total assets | $141,104,750 | 3,631 |
| Average earning assets | $134,892,000 | 3,557 |
| Average equity | $12,216,500 | 4,141 |
| Average total loans | $107,308,250 | 3,250 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 1,952 |
| Cost of funding earning assets | 0.2451% | 4,589 |
| Net interest margin | 4.1122% | 1,297 |
| Noninterest income to average assets | 0.4841% | 3,120 |
| Noninterest expense to average assets | 3.3771% | 1,212 |
| Loan and lease loss provision to assets | 0.0400% | 3,209 |
| Net operating income to assets | 0.9953% | 2,448 |
| Return on assets (ROA) | 0.9953% | 2,499 |
| Pretax return on assets | 0.9953% | 3,586 |
| Return on Equity (ROE) | 11.3177% | 1,525 |
| Retained earnings to average equity (ytd only) | 0.3248% | 5,008 |
| Net charge-offs to loans | 0.0057% | 3,259 |
| Credit loss provision to net charge-offs | 933.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 241.6667% | 351 |
| Efficiency ratio | 76.5372% | 1,640 |
| Assets per employee ($millions) | 4.3095% | 3,415 |
| Cash dividends to net income (ytd only)* | 97.1306% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 4,224 |
| Loan loss allowance to noncurrent loans | 674.2331% | 803 |
| Noncurrent assets plus other real estate owned to assets | 1.8001% | 767 |
| Noncurrent loans to loans | 0.1466% | 4,526 |
| Net loans and leases to total assets | 77.4150% | 1,329 |
| Net loans and leases to deposits | 105.0836% | 440 |
| Net loans and leases to core deposits | 109.4427% | 1,029 |
| Total domestic deposits to total assets | 73.6700% | 5,324 |
| Equity capital to assets | 8.6820% | 5,161 |
| Core capital (leverage) ratio | 8.8976% | 4,845 |
| Tier 1 risk-based capital ratio | 11.6514% | 4,863 |
| Total risk-based capital ratio | 12.6920% | 4,890 |
| Memoranda: | ||
| Average total assets | $140,059,000 | 3,665 |
| Average earning assets | $133,796,330 | 3,594 |
| Average equity | $12,317,000 | 4,138 |
| Average total loans | $104,622,670 | 3,305 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 1,905 |
| Cost of funding earning assets | 0.2228% | 4,777 |
| Net interest margin | 4.0956% | 1,223 |
| Noninterest income to average assets | 0.4864% | 3,064 |
| Noninterest expense to average assets | 3.3299% | 1,328 |
| Loan and lease loss provision to assets | 0.0058% | 3,487 |
| Net operating income to assets | 1.0649% | 2,009 |
| Return on assets (ROA) | 1.0649% | 2,050 |
| Pretax return on assets | 1.0649% | 3,112 |
| Return on Equity (ROE) | 12.0306% | 1,228 |
| Retained earnings to average equity (ytd only) | 1.0405% | 4,640 |
| Net charge-offs to loans | 0.0039% | 2,838 |
| Credit loss provision to net charge-offs | 200.0000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 159 |
| Efficiency ratio | 75.6704% | 1,957 |
| Assets per employee ($millions) | 4.2774% | 3,532 |
| Cash dividends to net income (ytd only)* | 91.3514% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 4,045 |
| Loan loss allowance to noncurrent loans | 1,327.1605% | 478 |
| Noncurrent assets plus other real estate owned to assets | 1.7555% | 831 |
| Noncurrent loans to loans | 0.0782% | 4,884 |
| Net loans and leases to total assets | 72.6280% | 1,982 |
| Net loans and leases to deposits | 88.7955% | 1,695 |
| Net loans and leases to core deposits | 92.3735% | 2,131 |
| Total domestic deposits to total assets | 81.7924% | 4,221 |
| Equity capital to assets | 8.7301% | 5,052 |
| Core capital (leverage) ratio | 8.7954% | 4,957 |
| Tier 1 risk-based capital ratio | 12.3871% | 4,455 |
| Total risk-based capital ratio | 13.4683% | 4,466 |
| Memoranda: | ||
| Average total assets | $138,981,500 | 3,713 |
| Average earning assets | $132,825,000 | 3,641 |
| Average equity | $12,302,000 | 4,165 |
| Average total loans | $101,337,000 | 3,393 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,349 |
| Cost of funding earning assets | 0.2202% | 4,832 |
| Net interest margin | 4.3531% | 846 |
| Noninterest income to average assets | 0.5420% | 2,966 |
| Noninterest expense to average assets | 3.2003% | 1,787 |
| Loan and lease loss provision to assets | 0.0195% | 3,985 |
| Net operating income to assets | 1.4873% | 850 |
| Return on assets (ROA) | 1.4873% | 871 |
| Pretax return on assets | 1.4873% | 1,624 |
| Return on Equity (ROE) | 16.5083% | 456 |
| Retained earnings to average equity (ytd only) | 6.2738% | 1,573 |
| Net charge-offs to loans | 0.0094% | 3,947 |
| Credit loss provision to net charge-offs | 288.8889% | 1,012 |
| Earnings coverage of net charge-offs (x) | 223.3333% | 313 |
| Efficiency ratio | 67.9885% | 3,233 |
| Assets per employee ($millions) | 4.0238% | 3,922 |
| Cash dividends to net income (ytd only)* | 61.9960% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,803 |
| Loan loss allowance to noncurrent loans | 1,293.9759% | 493 |
| Noncurrent assets plus other real estate owned to assets | 1.8128% | 808 |
| Noncurrent loans to loans | 0.0838% | 4,911 |
| Net loans and leases to total assets | 71.6384% | 2,214 |
| Net loans and leases to deposits | 89.9906% | 1,685 |
| Net loans and leases to core deposits | 93.6173% | 2,142 |
| Total domestic deposits to total assets | 79.6065% | 4,655 |
| Equity capital to assets | 8.9768% | 4,843 |
| Core capital (leverage) ratio | 8.8937% | 4,862 |
| Tier 1 risk-based capital ratio | 13.2750% | 3,911 |
| Total risk-based capital ratio | 14.4356% | 3,878 |
| Memoranda: | ||
| Average total assets | $133,395,600 | 3,777 |
| Average earning assets | $127,634,400 | 3,692 |
| Average equity | $12,018,200 | 4,250 |
| Average total loans | $95,276,200 | 3,476 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 1,507 |
| Cost of funding earning assets | 0.2185% | 4,891 |
| Net interest margin | 4.2912% | 945 |
| Noninterest income to average assets | 0.5633% | 2,855 |
| Noninterest expense to average assets | 3.1245% | 1,963 |
| Loan and lease loss provision to assets | 0.0151% | 3,946 |
| Net operating income to assets | 1.5331% | 822 |
| Return on assets (ROA) | 1.5331% | 870 |
| Pretax return on assets | 1.5331% | 1,598 |
| Return on Equity (ROE) | 17.0002% | 445 |
| Retained earnings to average equity (ytd only) | 6.6261% | 1,834 |
| Net charge-offs to loans | -0.0042% | 4,589 |
| Credit loss provision to net charge-offs | -500.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8676% | 3,447 |
| Assets per employee ($millions) | 4.4896% | 3,104 |
| Cash dividends to net income (ytd only)* | 61.0236% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 3,580 |
| Loan loss allowance to noncurrent loans | 1,143.6170% | 524 |
| Noncurrent assets plus other real estate owned to assets | 1.7898% | 922 |
| Noncurrent loans to loans | 0.1000% | 4,940 |
| Net loans and leases to total assets | 66.7538% | 2,993 |
| Net loans and leases to deposits | 83.6065% | 2,532 |
| Net loans and leases to core deposits | 86.6814% | 2,889 |
| Total domestic deposits to total assets | 79.8429% | 4,548 |
| Equity capital to assets | 8.7910% | 5,324 |
| Core capital (leverage) ratio | 8.6108% | 5,249 |
| Tier 1 risk-based capital ratio | 13.6715% | 3,761 |
| Total risk-based capital ratio | 14.8836% | 3,691 |
| Memoranda: | ||
| Average total assets | $132,542,500 | 3,815 |
| Average earning assets | $126,924,000 | 3,725 |
| Average equity | $11,952,500 | 4,297 |
| Average total loans | $94,325,000 | 3,508 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 1,360 |
| Cost of funding earning assets | 0.2081% | 5,066 |
| Net interest margin | 4.3509% | 851 |
| Noninterest income to average assets | 0.5340% | 2,986 |
| Noninterest expense to average assets | 3.1658% | 1,897 |
| Loan and lease loss provision to assets | 0.0353% | 3,447 |
| Net operating income to assets | 1.5039% | 887 |
| Return on assets (ROA) | 1.5039% | 930 |
| Pretax return on assets | 1.5039% | 1,659 |
| Return on Equity (ROE) | 16.5285% | 482 |
| Retained earnings to average equity (ytd only) | 6.7463% | 1,741 |
| Net charge-offs to loans | 0.0212% | 3,070 |
| Credit loss provision to net charge-offs | 230.0000% | 1,184 |
| Earnings coverage of net charge-offs (x) | 100.3000% | 575 |
| Efficiency ratio | 67.2864% | 3,488 |
| Assets per employee ($millions) | 4.5301% | 2,969 |
| Cash dividends to net income (ytd only)* | 59.1837% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,805 |
| Loan loss allowance to noncurrent loans | 542.6396% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 1.9087% | 876 |
| Noncurrent loans to loans | 0.2075% | 4,615 |
| Net loans and leases to total assets | 69.0829% | 2,620 |
| Net loans and leases to deposits | 87.0313% | 2,126 |
| Net loans and leases to core deposits | 90.0766% | 2,527 |
| Total domestic deposits to total assets | 79.3771% | 4,699 |
| Equity capital to assets | 8.8733% | 5,335 |
| Core capital (leverage) ratio | 8.8704% | 4,977 |
| Tier 1 risk-based capital ratio | 13.5040% | 3,902 |
| Total risk-based capital ratio | 14.7141% | 3,838 |
| Memoranda: | ||
| Average total assets | $130,331,000 | 3,874 |
| Average earning assets | $124,941,000 | 3,778 |
| Average equity | $11,858,330 | 4,342 |
| Average total loans | $94,439,670 | 3,511 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 1,225 |
| Cost of funding earning assets | 0.1989% | 5,213 |
| Net interest margin | 4.4172% | 709 |
| Noninterest income to average assets | 0.5426% | 2,855 |
| Noninterest expense to average assets | 3.2334% | 1,757 |
| Loan and lease loss provision to assets | 0.0251% | 3,344 |
| Net operating income to assets | 1.5336% | 799 |
| Return on assets (ROA) | 1.5336% | 843 |
| Pretax return on assets | 1.5336% | 1,494 |
| Return on Equity (ROE) | 16.6355% | 474 |
| Retained earnings to average equity (ytd only) | 6.7699% | 1,995 |
| Net charge-offs to loans | 0.0297% | 2,356 |
| Credit loss provision to net charge-offs | 114.2857% | 1,481 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 684 |
| Efficiency ratio | 67.4738% | 3,551 |
| Assets per employee ($millions) | 4.3506% | 3,324 |
| Cash dividends to net income (ytd only)* | 59.3047% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 4,133 |
| Loan loss allowance to noncurrent loans | 766.6667% | 711 |
| Noncurrent assets plus other real estate owned to assets | 1.9423% | 914 |
| Noncurrent loans to loans | 0.1417% | 4,913 |
| Net loans and leases to total assets | 73.7965% | 1,756 |
| Net loans and leases to deposits | 86.8511% | 1,964 |
| Net loans and leases to core deposits | 89.7274% | 2,400 |
| Total domestic deposits to total assets | 84.9690% | 3,146 |
| Equity capital to assets | 9.0900% | 5,089 |
| Core capital (leverage) ratio | 9.1542% | 4,649 |
| Tier 1 risk-based capital ratio | 13.0643% | 4,225 |
| Total risk-based capital ratio | 14.2428% | 4,188 |
| Memoranda: | ||
| Average total assets | $127,545,500 | 3,952 |
| Average earning assets | $122,702,500 | 3,855 |
| Average equity | $11,758,000 | 4,371 |
| Average total loans | $94,182,500 | 3,531 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 1,841 |
| Cost of funding earning assets | 0.2093% | 5,201 |
| Net interest margin | 4.2094% | 1,150 |
| Noninterest income to average assets | 0.5605% | 2,965 |
| Noninterest expense to average assets | 3.2536% | 1,827 |
| Loan and lease loss provision to assets | 0.0227% | 3,928 |
| Net operating income to assets | 1.3465% | 1,163 |
| Return on assets (ROA) | 1.3465% | 1,197 |
| Pretax return on assets | 1.3465% | 2,106 |
| Return on Equity (ROE) | 14.4710% | 769 |
| Retained earnings to average equity (ytd only) | 4.3587% | 2,880 |
| Net charge-offs to loans | 0.0324% | 3,575 |
| Credit loss provision to net charge-offs | 96.5517% | 2,627 |
| Earnings coverage of net charge-offs (x) | 58.2069% | 890 |
| Efficiency ratio | 70.3808% | 3,162 |
| Assets per employee ($millions) | 3.8929% | 4,129 |
| Cash dividends to net income (ytd only)* | 69.8795% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,694 |
| Loan loss allowance to noncurrent loans | 43.1429% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2605% | 738 |
| Noncurrent loans to loans | 2.6926% | 655 |
| Net loans and leases to total assets | 72.1924% | 2,017 |
| Net loans and leases to deposits | 82.6385% | 2,519 |
| Net loans and leases to core deposits | 84.1171% | 2,954 |
| Total domestic deposits to total assets | 87.3593% | 1,948 |
| Equity capital to assets | 9.3535% | 4,727 |
| Core capital (leverage) ratio | 9.3324% | 4,423 |
| Tier 1 risk-based capital ratio | 13.6206% | 3,936 |
| Total risk-based capital ratio | 14.8693% | 3,865 |
| Memoranda: | ||
| Average total assets | $123,279,600 | 4,016 |
| Average earning assets | $118,972,800 | 3,904 |
| Average equity | $11,471,200 | 4,396 |
| Average total loans | $89,624,400 | 3,597 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 1,871 |
| Cost of funding earning assets | 0.2115% | 5,275 |
| Net interest margin | 4.2054% | 1,152 |
| Noninterest income to average assets | 0.5671% | 2,934 |
| Noninterest expense to average assets | 3.2423% | 1,845 |
| Loan and lease loss provision to assets | 0.0065% | 4,126 |
| Net operating income to assets | 1.3717% | 1,175 |
| Return on assets (ROA) | 1.3717% | 1,226 |
| Pretax return on assets | 1.3717% | 2,129 |
| Return on Equity (ROE) | 14.7612% | 758 |
| Retained earnings to average equity (ytd only) | 4.6092% | 3,190 |
| Net charge-offs to loans | 0.0090% | 3,848 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 211.8275% | 341 |
| Efficiency ratio | 70.1713% | 3,180 |
| Assets per employee ($millions) | 3.9774% | 3,916 |
| Cash dividends to net income (ytd only)* | 68.7748% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 3,758 |
| Loan loss allowance to noncurrent loans | 30.8433% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.7794% | 575 |
| Noncurrent loans to loans | 3.8289% | 365 |
| Net loans and leases to total assets | 71.7332% | 2,105 |
| Net loans and leases to deposits | 82.3790% | 2,597 |
| Net loans and leases to core deposits | 84.9684% | 2,953 |
| Total domestic deposits to total assets | 87.0770% | 1,997 |
| Equity capital to assets | 9.3893% | 4,893 |
| Core capital (leverage) ratio | 9.2646% | 4,636 |
| Tier 1 risk-based capital ratio | 13.2188% | 4,308 |
| Total risk-based capital ratio | 14.4417% | 4,253 |
| Memoranda: | ||
| Average total assets | $122,956,000 | 4,068 |
| Average earning assets | $118,512,750 | 3,947 |
| Average equity | $11,426,000 | 4,451 |
| Average total loans | $89,283,000 | 3,638 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 1,629 |
| Cost of funding earning assets | 0.2100% | 5,355 |
| Net interest margin | 4.2604% | 994 |
| Noninterest income to average assets | 0.5617% | 2,966 |
| Noninterest expense to average assets | 3.2106% | 1,956 |
| Loan and lease loss provision to assets | 0.0033% | 4,021 |
| Net operating income to assets | 1.4441% | 1,003 |
| Return on assets (ROA) | 1.4441% | 1,039 |
| Pretax return on assets | 1.4441% | 1,822 |
| Return on Equity (ROE) | 15.5947% | 656 |
| Retained earnings to average equity (ytd only) | 5.3975% | 2,601 |
| Net charge-offs to loans | 0.0022% | 3,821 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 889.0000% | 65 |
| Efficiency ratio | 68.9269% | 3,503 |
| Assets per employee ($millions) | 3.6989% | 4,429 |
| Cash dividends to net income (ytd only)* | 65.3890% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,893 |
| Loan loss allowance to noncurrent loans | 114.2395% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 3,108 |
| Noncurrent loans to loans | 1.0351% | 2,576 |
| Net loans and leases to total assets | 72.4999% | 1,896 |
| Net loans and leases to deposits | 83.3588% | 2,394 |
| Net loans and leases to core deposits | 85.6309% | 2,805 |
| Total domestic deposits to total assets | 86.9733% | 2,183 |
| Equity capital to assets | 9.4319% | 4,735 |
| Core capital (leverage) ratio | 9.2435% | 4,631 |
| Tier 1 risk-based capital ratio | 12.9307% | 4,558 |
| Total risk-based capital ratio | 14.1386% | 4,497 |
| Memoranda: | ||
| Average total assets | $122,841,330 | 4,096 |
| Average earning assets | $118,111,000 | 3,988 |
| Average equity | $11,375,670 | 4,491 |
| Average total loans | $89,209,330 | 3,660 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 1,783 |
| Cost of funding earning assets | 0.2003% | 5,507 |
| Net interest margin | 4.1961% | 1,067 |
| Noninterest income to average assets | 0.5616% | 2,882 |
| Noninterest expense to average assets | 3.1486% | 2,139 |
| Loan and lease loss provision to assets | 0.0065% | 3,626 |
| Net operating income to assets | 1.4185% | 998 |
| Return on assets (ROA) | 1.4185% | 1,053 |
| Pretax return on assets | 1.4185% | 1,819 |
| Return on Equity (ROE) | 15.4594% | 638 |
| Retained earnings to average equity (ytd only) | 5.2003% | 2,950 |
| Net charge-offs to loans | -0.0180% | 4,994 |
| Credit loss provision to net charge-offs | -50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8432% | 3,690 |
| Assets per employee ($millions) | 3.8965% | 4,172 |
| Cash dividends to net income (ytd only)* | 66.3616% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 4,113 |
| Loan loss allowance to noncurrent loans | 232.8228% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 4,543 |
| Noncurrent loans to loans | 0.5052% | 4,067 |
| Net loans and leases to total assets | 71.6974% | 1,857 |
| Net loans and leases to deposits | 86.3866% | 1,785 |
| Net loans and leases to core deposits | 88.8013% | 2,240 |
| Total domestic deposits to total assets | 82.9960% | 4,183 |
| Equity capital to assets | 9.1268% | 5,161 |
| Core capital (leverage) ratio | 9.3447% | 4,502 |
| Tier 1 risk-based capital ratio | 13.4577% | 4,345 |
| Total risk-based capital ratio | 14.7074% | 4,266 |
| Memoranda: | ||
| Average total assets | $123,229,500 | 4,120 |
| Average earning assets | $117,824,000 | 4,023 |
| Average equity | $11,307,000 | 4,542 |
| Average total loans | $89,036,000 | 3,669 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 1,468 |
| Cost of funding earning assets | 0.2550% | 5,272 |
| Net interest margin | 4.3781% | 916 |
| Noninterest income to average assets | 0.5915% | 2,906 |
| Noninterest expense to average assets | 3.2610% | 2,037 |
| Loan and lease loss provision to assets | 0.0654% | 3,197 |
| Net operating income to assets | 1.4370% | 1,006 |
| Return on assets (ROA) | 1.4370% | 1,037 |
| Pretax return on assets | 1.4370% | 1,762 |
| Return on Equity (ROE) | 15.4895% | 701 |
| Retained earnings to average equity (ytd only) | -3.6579% | 6,124 |
| Net charge-offs to loans | 0.0892% | 3,214 |
| Credit loss provision to net charge-offs | 102.6316% | 2,333 |
| Earnings coverage of net charge-offs (x) | 23.5921% | 1,574 |
| Efficiency ratio | 68.4609% | 3,813 |
| Assets per employee ($millions) | 3.8053% | 4,334 |
| Cash dividends to net income (ytd only)* | 123.6152% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 3,949 |
| Loan loss allowance to noncurrent loans | 218.5950% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 4,499 |
| Noncurrent loans to loans | 0.5524% | 4,007 |
| Net loans and leases to total assets | 71.0777% | 2,060 |
| Net loans and leases to deposits | 88.3040% | 1,703 |
| Net loans and leases to core deposits | 90.6645% | 2,216 |
| Total domestic deposits to total assets | 80.4921% | 4,884 |
| Equity capital to assets | 9.2255% | 5,036 |
| Core capital (leverage) ratio | 8.9598% | 5,050 |
| Tier 1 risk-based capital ratio | 13.6627% | 4,317 |
| Total risk-based capital ratio | 14.9137% | 4,253 |
| Memoranda: | ||
| Average total assets | $119,350,000 | 4,193 |
| Average earning assets | $113,726,200 | 4,097 |
| Average equity | $11,072,000 | 4,551 |
| Average total loans | $85,196,600 | 3,734 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,534 |
| Cost of funding earning assets | 0.2613% | 5,291 |
| Net interest margin | 4.3508% | 957 |
| Noninterest income to average assets | 0.6007% | 2,865 |
| Noninterest expense to average assets | 3.2854% | 1,936 |
| Loan and lease loss provision to assets | 0.0516% | 3,342 |
| Net operating income to assets | 1.4136% | 1,103 |
| Return on assets (ROA) | 1.4136% | 1,142 |
| Pretax return on assets | 1.4136% | 1,954 |
| Return on Equity (ROE) | 15.2166% | 786 |
| Retained earnings to average equity (ytd only) | -6.0552% | 6,290 |
| Net charge-offs to loans | 0.0725% | 3,160 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 28.3705% | 1,423 |
| Efficiency ratio | 69.1562% | 3,650 |
| Assets per employee ($millions) | 3.9692% | 3,952 |
| Cash dividends to net income (ytd only)* | 139.7940% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,221 |
| Loan loss allowance to noncurrent loans | 171.9870% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 4,347 |
| Noncurrent loans to loans | 0.6977% | 3,864 |
| Net loans and leases to total assets | 70.6593% | 2,086 |
| Net loans and leases to deposits | 85.7492% | 1,934 |
| Net loans and leases to core deposits | 88.2293% | 2,401 |
| Total domestic deposits to total assets | 82.4022% | 4,337 |
| Equity capital to assets | 9.0512% | 5,302 |
| Core capital (leverage) ratio | 9.0517% | 4,997 |
| Tier 1 risk-based capital ratio | 13.7240% | 4,404 |
| Total risk-based capital ratio | 14.9753% | 4,336 |
| Memoranda: | ||
| Average total assets | $118,744,750 | 4,245 |
| Average earning assets | $113,262,750 | 4,142 |
| Average equity | $11,031,500 | 4,592 |
| Average total loans | $84,593,250 | 3,788 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 1,641 |
| Cost of funding earning assets | 0.2788% | 5,208 |
| Net interest margin | 4.2822% | 1,066 |
| Noninterest income to average assets | 0.5660% | 3,009 |
| Noninterest expense to average assets | 3.2682% | 1,998 |
| Loan and lease loss provision to assets | 0.0170% | 3,920 |
| Net operating income to assets | 1.3656% | 1,150 |
| Return on assets (ROA) | 1.3656% | 1,188 |
| Pretax return on assets | 1.3656% | 2,018 |
| Return on Equity (ROE) | 14.5685% | 865 |
| Retained earnings to average equity (ytd only) | -10.8945% | 6,439 |
| Net charge-offs to loans | 0.0264% | 3,666 |
| Credit loss provision to net charge-offs | 90.9091% | 2,158 |
| Earnings coverage of net charge-offs (x) | 73.7273% | 707 |
| Efficiency ratio | 70.2713% | 3,612 |
| Assets per employee ($millions) | 3.8088% | 4,234 |
| Cash dividends to net income (ytd only)* | 174.7815% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,135 |
| Loan loss allowance to noncurrent loans | 180.4795% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 4,412 |
| Noncurrent loans to loans | 0.6948% | 3,979 |
| Net loans and leases to total assets | 70.2966% | 2,031 |
| Net loans and leases to deposits | 82.5940% | 2,183 |
| Net loans and leases to core deposits | 85.7193% | 2,544 |
| Total domestic deposits to total assets | 85.1110% | 3,452 |
| Equity capital to assets | 9.3568% | 4,907 |
| Core capital (leverage) ratio | 9.1599% | 4,806 |
| Tier 1 risk-based capital ratio | 13.9802% | 4,270 |
| Total risk-based capital ratio | 15.2314% | 4,211 |
| Memoranda: | ||
| Average total assets | $117,311,670 | 4,297 |
| Average earning assets | $111,905,670 | 4,191 |
| Average equity | $10,996,330 | 4,610 |
| Average total loans | $83,458,330 | 3,823 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,647 |
| Cost of funding earning assets | 0.2764% | 5,320 |
| Net interest margin | 4.2719% | 1,059 |
| Noninterest income to average assets | 0.5644% | 2,958 |
| Noninterest expense to average assets | 3.2737% | 2,007 |
| Loan and lease loss provision to assets | 0.0239% | 3,522 |
| Net operating income to assets | 1.3375% | 1,130 |
| Return on assets (ROA) | 1.3375% | 1,173 |
| Pretax return on assets | 1.3375% | 1,971 |
| Return on Equity (ROE) | 14.2564% | 898 |
| Retained earnings to average equity (ytd only) | -23.6635% | 6,571 |
| Net charge-offs to loans | 0.0337% | 2,922 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 56.8571% | 683 |
| Efficiency ratio | 70.6273% | 3,716 |
| Assets per employee ($millions) | 4.0593% | 3,802 |
| Cash dividends to net income (ytd only)* | 265.9847% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,210 |
| Loan loss allowance to noncurrent loans | 165.7771% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 4,581 |
| Noncurrent loans to loans | 0.7740% | 3,926 |
| Net loans and leases to total assets | 66.7105% | 2,445 |
| Net loans and leases to deposits | 76.2702% | 2,785 |
| Net loans and leases to core deposits | 79.1821% | 3,065 |
| Total domestic deposits to total assets | 87.4659% | 2,530 |
| Equity capital to assets | 9.0163% | 5,103 |
| Core capital (leverage) ratio | 9.3176% | 4,547 |
| Tier 1 risk-based capital ratio | 14.0817% | 4,275 |
| Total risk-based capital ratio | 15.3337% | 4,217 |
| Memoranda: | ||
| Average total assets | $116,930,500 | 4,339 |
| Average earning assets | $111,425,000 | 4,234 |
| Average equity | $10,970,500 | 4,625 |
| Average total loans | $83,159,500 | 3,853 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 1,147 |
| Cost of funding earning assets | 0.3224% | 5,399 |
| Net interest margin | 4.5518% | 665 |
| Noninterest income to average assets | 0.7587% | 2,258 |
| Noninterest expense to average assets | 3.5838% | 1,475 |
| Loan and lease loss provision to assets | 0.0390% | 4,341 |
| Net operating income to assets | 1.5090% | 807 |
| Return on assets (ROA) | 1.5090% | 846 |
| Pretax return on assets | 1.5090% | 1,418 |
| Return on Equity (ROE) | 15.3491% | 705 |
| Retained earnings to average equity (ytd only) | 7.0472% | 1,417 |
| Net charge-offs to loans | 0.0555% | 4,456 |
| Credit loss provision to net charge-offs | 93.3333% | 2,666 |
| Earnings coverage of net charge-offs (x) | 37.0889% | 1,010 |
| Efficiency ratio | 69.8355% | 3,862 |
| Assets per employee ($millions) | 3.8649% | 4,125 |
| Cash dividends to net income (ytd only)* | 54.0873% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 4,368 |
| Loan loss allowance to noncurrent loans | 179.7274% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 4,673 |
| Noncurrent loans to loans | 0.6986% | 4,231 |
| Net loans and leases to total assets | 74.0250% | 1,345 |
| Net loans and leases to deposits | 85.0683% | 1,800 |
| Net loans and leases to core deposits | 87.9215% | 2,257 |
| Total domestic deposits to total assets | 87.0183% | 2,718 |
| Equity capital to assets | 9.7795% | 4,064 |
| Core capital (leverage) ratio | 9.6580% | 4,045 |
| Tier 1 risk-based capital ratio | 13.7697% | 4,463 |
| Total risk-based capital ratio | 15.0441% | 4,388 |
| Memoranda: | ||
| Average total assets | $107,819,800 | 4,550 |
| Average earning assets | $103,585,800 | 4,419 |
| Average equity | $10,600,000 | 4,721 |
| Average total loans | $81,026,000 | 3,906 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 1,149 |
| Cost of funding earning assets | 0.3319% | 5,452 |
| Net interest margin | 4.5557% | 671 |
| Noninterest income to average assets | 0.8131% | 2,082 |
| Noninterest expense to average assets | 3.6119% | 1,377 |
| Loan and lease loss provision to assets | 0.0425% | 4,163 |
| Net operating income to assets | 1.5299% | 851 |
| Return on assets (ROA) | 1.5299% | 896 |
| Pretax return on assets | 1.5299% | 1,524 |
| Return on Equity (ROE) | 15.5407% | 704 |
| Retained earnings to average equity (ytd only) | 7.1677% | 1,802 |
| Net charge-offs to loans | 0.0614% | 4,023 |
| Credit loss provision to net charge-offs | 91.8919% | 2,586 |
| Earnings coverage of net charge-offs (x) | 34.0284% | 1,125 |
| Efficiency ratio | 69.6700% | 3,809 |
| Assets per employee ($millions) | 3.8922% | 4,049 |
| Cash dividends to net income (ytd only)* | 53.8778% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 4,515 |
| Loan loss allowance to noncurrent loans | 214.6341% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 5,073 |
| Noncurrent loans to loans | 0.5944% | 4,713 |
| Net loans and leases to total assets | 74.9865% | 1,135 |
| Net loans and leases to deposits | 86.5111% | 1,558 |
| Net loans and leases to core deposits | 89.7530% | 1,994 |
| Total domestic deposits to total assets | 86.6784% | 2,870 |
| Equity capital to assets | 9.8870% | 4,074 |
| Core capital (leverage) ratio | 9.8827% | 3,843 |
| Tier 1 risk-based capital ratio | 13.8213% | 4,558 |
| Total risk-based capital ratio | 15.0988% | 4,491 |
| Memoranda: | ||
| Average total assets | $106,754,500 | 4,622 |
| Average earning assets | $102,432,250 | 4,490 |
| Average equity | $10,509,750 | 4,792 |
| Average total loans | $80,276,750 | 3,963 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 1,106 |
| Cost of funding earning assets | 0.3389% | 5,496 |
| Net interest margin | 4.5589% | 636 |
| Noninterest income to average assets | 0.6660% | 2,819 |
| Noninterest expense to average assets | 3.5901% | 1,428 |
| Loan and lease loss provision to assets | 0.0623% | 3,766 |
| Net operating income to assets | 1.3791% | 1,120 |
| Return on assets (ROA) | 1.3791% | 1,206 |
| Pretax return on assets | 1.3791% | 2,008 |
| Return on Equity (ROE) | 14.0289% | 1,005 |
| Retained earnings to average equity (ytd only) | 5.5847% | 2,685 |
| Net charge-offs to loans | 0.0856% | 3,508 |
| Credit loss provision to net charge-offs | 97.0588% | 2,304 |
| Earnings coverage of net charge-offs (x) | 22.4706% | 1,366 |
| Efficiency ratio | 71.3536% | 3,585 |
| Assets per employee ($millions) | 3.8225% | 4,164 |
| Cash dividends to net income (ytd only)* | 60.1915% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 4,593 |
| Loan loss allowance to noncurrent loans | 203.0710% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 4,841 |
| Noncurrent loans to loans | 0.6317% | 4,677 |
| Net loans and leases to total assets | 76.0721% | 979 |
| Net loans and leases to deposits | 87.8279% | 1,360 |
| Net loans and leases to core deposits | 90.9335% | 1,817 |
| Total domestic deposits to total assets | 86.6150% | 3,048 |
| Equity capital to assets | 9.8206% | 4,162 |
| Core capital (leverage) ratio | 9.6910% | 3,946 |
| Tier 1 risk-based capital ratio | 13.4570% | 4,801 |
| Total risk-based capital ratio | 14.7861% | 4,701 |
| Memoranda: | ||
| Average total assets | $106,012,330 | 4,668 |
| Average earning assets | $101,515,330 | 4,533 |
| Average equity | $10,421,330 | 4,846 |
| Average total loans | $79,443,330 | 3,997 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 1,147 |
| Cost of funding earning assets | 0.3506% | 5,526 |
| Net interest margin | 4.5218% | 653 |
| Noninterest income to average assets | 0.7052% | 2,563 |
| Noninterest expense to average assets | 3.6018% | 1,417 |
| Loan and lease loss provision to assets | 0.0455% | 3,849 |
| Net operating income to assets | 1.3611% | 1,122 |
| Return on assets (ROA) | 1.3611% | 1,211 |
| Pretax return on assets | 1.3611% | 2,006 |
| Return on Equity (ROE) | 13.8390% | 990 |
| Retained earnings to average equity (ytd only) | 5.3583% | 3,024 |
| Net charge-offs to loans | -0.0051% | 5,273 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9152% | 3,633 |
| Assets per employee ($millions) | 3.4240% | 5,152 |
| Cash dividends to net income (ytd only)* | 61.2813% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 4,293 |
| Loan loss allowance to noncurrent loans | 159.5238% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 4,748 |
| Noncurrent loans to loans | 0.8715% | 4,388 |
| Net loans and leases to total assets | 71.6322% | 1,412 |
| Net loans and leases to deposits | 82.8636% | 1,721 |
| Net loans and leases to core deposits | 85.0254% | 2,216 |
| Total domestic deposits to total assets | 86.4459% | 3,275 |
| Equity capital to assets | 9.8271% | 4,389 |
| Core capital (leverage) ratio | 9.8455% | 3,605 |
| Tier 1 risk-based capital ratio | 13.5081% | 4,867 |
| Total risk-based capital ratio | 14.8383% | 4,768 |
| Memoranda: | ||
| Average total assets | $105,503,500 | 4,731 |
| Average earning assets | $100,403,000 | 4,611 |
| Average equity | $10,376,500 | 4,912 |
| Average total loans | $77,926,000 | 4,069 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 897 |
| Cost of funding earning assets | 0.4202% | 5,786 |
| Net interest margin | 4.8964% | 451 |
| Noninterest income to average assets | 0.6598% | 2,942 |
| Noninterest expense to average assets | 3.6630% | 1,480 |
| Loan and lease loss provision to assets | 0.1761% | 3,422 |
| Net operating income to assets | 1.4928% | 931 |
| Return on assets (ROA) | 1.4928% | 1,026 |
| Pretax return on assets | 1.4928% | 1,696 |
| Return on Equity (ROE) | 15.0818% | 800 |
| Retained earnings to average equity (ytd only) | 3.9228% | 3,443 |
| Net charge-offs to loans | 0.1415% | 4,280 |
| Credit loss provision to net charge-offs | 166.0550% | 1,608 |
| Earnings coverage of net charge-offs (x) | 15.7339% | 1,634 |
| Efficiency ratio | 68.6987% | 4,020 |
| Assets per employee ($millions) | 3.6159% | 4,742 |
| Cash dividends to net income (ytd only)* | 73.9896% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 4,428 |
| Loan loss allowance to noncurrent loans | 145.4670% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 4,751 |
| Noncurrent loans to loans | 0.9245% | 4,341 |
| Net loans and leases to total assets | 74.0850% | 1,186 |
| Net loans and leases to deposits | 86.0331% | 1,508 |
| Net loans and leases to core deposits | 88.2085% | 2,065 |
| Total domestic deposits to total assets | 86.1122% | 3,294 |
| Equity capital to assets | 9.8434% | 4,391 |
| Core capital (leverage) ratio | 9.6117% | 3,943 |
| Tier 1 risk-based capital ratio | 13.0911% | 5,041 |
| Total risk-based capital ratio | 14.4321% | 4,915 |
| Memoranda: | ||
| Average total assets | $102,758,000 | 4,765 |
| Average earning assets | $98,050,800 | 4,634 |
| Average equity | $10,171,200 | 4,945 |
| Average total loans | $77,028,400 | 4,120 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3198% | 967 |
| Cost of funding earning assets | 0.4302% | 5,932 |
| Net interest margin | 4.8896% | 483 |
| Noninterest income to average assets | 0.6534% | 2,978 |
| Noninterest expense to average assets | 3.6426% | 1,469 |
| Loan and lease loss provision to assets | 0.1982% | 3,101 |
| Net operating income to assets | 1.4816% | 1,059 |
| Return on assets (ROA) | 1.4816% | 1,170 |
| Pretax return on assets | 1.4816% | 1,952 |
| Return on Equity (ROE) | 14.9468% | 913 |
| Retained earnings to average equity (ytd only) | 0.0131% | 6,067 |
| Net charge-offs to loans | 0.1950% | 3,559 |
| Credit loss provision to net charge-offs | 135.7143% | 2,125 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,073 |
| Efficiency ratio | 68.4391% | 3,969 |
| Assets per employee ($millions) | 3.3583% | 5,309 |
| Cash dividends to net income (ytd only)* | 99.9122% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 4,863 |
| Loan loss allowance to noncurrent loans | 149.7085% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 4,391 |
| Noncurrent loans to loans | 0.8609% | 4,697 |
| Net loans and leases to total assets | 75.5511% | 1,037 |
| Net loans and leases to deposits | 87.6905% | 1,392 |
| Net loans and leases to core deposits | 89.6648% | 2,025 |
| Total domestic deposits to total assets | 86.1566% | 3,166 |
| Equity capital to assets | 9.5700% | 5,109 |
| Core capital (leverage) ratio | 9.3405% | 4,515 |
| Tier 1 risk-based capital ratio | 12.2766% | 5,791 |
| Total risk-based capital ratio | 13.6144% | 5,699 |
| Memoranda: | ||
| Average total assets | $102,232,000 | 4,821 |
| Average earning assets | $97,620,000 | 4,699 |
| Average equity | $10,133,500 | 4,998 |
| Average total loans | $76,599,000 | 4,183 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3543% | 950 |
| Cost of funding earning assets | 0.4414% | 6,024 |
| Net interest margin | 4.9129% | 459 |
| Noninterest income to average assets | 0.6299% | 3,077 |
| Noninterest expense to average assets | 3.6434% | 1,482 |
| Loan and lease loss provision to assets | 0.0965% | 4,330 |
| Net operating income to assets | 1.5786% | 871 |
| Return on assets (ROA) | 1.5786% | 978 |
| Pretax return on assets | 1.5786% | 1,613 |
| Return on Equity (ROE) | 15.7404% | 806 |
| Retained earnings to average equity (ytd only) | 5.2403% | 3,130 |
| Net charge-offs to loans | 0.0847% | 4,300 |
| Credit loss provision to net charge-offs | 153.1250% | 1,807 |
| Earnings coverage of net charge-offs (x) | 26.5938% | 1,160 |
| Efficiency ratio | 68.5048% | 4,040 |
| Assets per employee ($millions) | 3.4678% | 5,053 |
| Cash dividends to net income (ytd only)* | 66.7082% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,762 |
| Loan loss allowance to noncurrent loans | 226.1261% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 5,713 |
| Noncurrent loans to loans | 0.5866% | 5,337 |
| Net loans and leases to total assets | 71.7897% | 1,591 |
| Net loans and leases to deposits | 83.6816% | 1,900 |
| Net loans and leases to core deposits | 85.9090% | 2,439 |
| Total domestic deposits to total assets | 85.7891% | 3,464 |
| Equity capital to assets | 9.8257% | 4,583 |
| Core capital (leverage) ratio | 9.6443% | 3,934 |
| Tier 1 risk-based capital ratio | 14.0490% | 4,414 |
| Total risk-based capital ratio | 15.3978% | 4,311 |
| Memoranda: | ||
| Average total assets | $101,607,000 | 4,865 |
| Average earning assets | $96,969,670 | 4,734 |
| Average equity | $10,190,330 | 4,985 |
| Average total loans | $75,571,670 | 4,236 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4582% | 816 |
| Cost of funding earning assets | 0.4521% | 6,133 |
| Net interest margin | 5.0061% | 395 |
| Noninterest income to average assets | 0.6016% | 3,226 |
| Noninterest expense to average assets | 3.6855% | 1,402 |
| Loan and lease loss provision to assets | 0.0837% | 4,337 |
| Net operating income to assets | 1.5977% | 869 |
| Return on assets (ROA) | 1.5977% | 972 |
| Pretax return on assets | 1.5977% | 1,590 |
| Return on Equity (ROE) | 15.7649% | 838 |
| Retained earnings to average equity (ytd only) | 15.7649% | 382 |
| Net charge-offs to loans | 0.0159% | 4,462 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 140.6667% | 258 |
| Efficiency ratio | 68.6711% | 4,039 |
| Assets per employee ($millions) | 3.3919% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 4,931 |
| Loan loss allowance to noncurrent loans | 171.7949% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 5,452 |
| Noncurrent loans to loans | 0.7681% | 5,125 |
| Net loans and leases to total assets | 73.8632% | 1,090 |
| Net loans and leases to deposits | 86.5432% | 1,350 |
| Net loans and leases to core deposits | 88.7169% | 1,978 |
| Total domestic deposits to total assets | 85.3484% | 3,857 |
| Equity capital to assets | 10.1801% | 3,877 |
| Core capital (leverage) ratio | 10.0618% | 3,297 |
| Tier 1 risk-based capital ratio | 13.9822% | 4,485 |
| Total risk-based capital ratio | 15.3724% | 4,348 |
| Memoranda: | ||
| Average total assets | $100,394,000 | 4,929 |
| Average earning assets | $95,562,500 | 4,802 |
| Average equity | $10,174,500 | 4,998 |
| Average total loans | $75,513,000 | 4,256 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5414% | 1,075 |
| Cost of funding earning assets | 0.6415% | 5,866 |
| Net interest margin | 4.8999% | 509 |
| Noninterest income to average assets | 0.8313% | 1,921 |
| Noninterest expense to average assets | 3.8528% | 1,256 |
| Loan and lease loss provision to assets | 0.0998% | 5,341 |
| Net operating income to assets | 1.5586% | 734 |
| Return on assets (ROA) | 1.6311% | 677 |
| Pretax return on assets | 1.6311% | 1,138 |
| Return on Equity (ROE) | 17.8748% | 393 |
| Retained earnings to average equity (ytd only) | 6.0696% | 1,979 |
| Net charge-offs to loans | 0.0433% | 5,871 |
| Credit loss provision to net charge-offs | 316.6667% | 739 |
| Earnings coverage of net charge-offs (x) | 52.6000% | 532 |
| Efficiency ratio | 69.8513% | 3,994 |
| Assets per employee ($millions) | 3.3010% | 5,506 |
| Cash dividends to net income (ytd only)* | 66.0438% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,817 |
| Loan loss allowance to noncurrent loans | 158.1731% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 5,397 |
| Noncurrent loans to loans | 0.8336% | 5,020 |
| Net loans and leases to total assets | 74.5958% | 1,154 |
| Net loans and leases to deposits | 88.1266% | 1,365 |
| Net loans and leases to core deposits | 90.4187% | 2,067 |
| Total domestic deposits to total assets | 84.6462% | 4,024 |
| Equity capital to assets | 10.0878% | 4,052 |
| Core capital (leverage) ratio | 9.5527% | 3,942 |
| Tier 1 risk-based capital ratio | 13.9201% | 4,378 |
| Total risk-based capital ratio | 15.3185% | 4,227 |
| Memoranda: | ||
| Average total assets | $95,152,400 | 5,040 |
| Average earning assets | $90,880,200 | 4,897 |
| Average equity | $8,682,600 | 5,367 |
| Average total loans | $69,247,400 | 4,522 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4496% | 1,392 |
| Cost of funding earning assets | 0.6681% | 5,946 |
| Net interest margin | 4.7816% | 649 |
| Noninterest income to average assets | 0.8692% | 1,754 |
| Noninterest expense to average assets | 3.8916% | 1,168 |
| Loan and lease loss provision to assets | 0.0496% | 5,831 |
| Net operating income to assets | 1.4978% | 938 |
| Return on assets (ROA) | 1.5954% | 855 |
| Pretax return on assets | 1.5954% | 1,402 |
| Return on Equity (ROE) | 17.9832% | 459 |
| Retained earnings to average equity (ytd only) | 5.2178% | 3,048 |
| Net charge-offs to loans | 0.0314% | 5,708 |
| Credit loss provision to net charge-offs | 218.7500% | 1,304 |
| Earnings coverage of net charge-offs (x) | 68.3216% | 483 |
| Efficiency ratio | 71.4732% | 3,657 |
| Assets per employee ($millions) | 3.2333% | 5,600 |
| Cash dividends to net income (ytd only)* | 70.9849% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 4,776 |
| Loan loss allowance to noncurrent loans | 130.3324% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 5,359 |
| Noncurrent loans to loans | 1.0355% | 4,824 |
| Net loans and leases to total assets | 68.6268% | 2,347 |
| Net loans and leases to deposits | 80.4637% | 2,594 |
| Net loans and leases to core deposits | 81.8988% | 3,343 |
| Total domestic deposits to total assets | 85.2891% | 3,624 |
| Equity capital to assets | 9.7444% | 4,711 |
| Core capital (leverage) ratio | 9.7390% | 3,790 |
| Tier 1 risk-based capital ratio | 13.9598% | 4,386 |
| Total risk-based capital ratio | 15.3741% | 4,233 |
| Memoranda: | ||
| Average total assets | $94,182,750 | 5,097 |
| Average earning assets | $90,009,750 | 4,955 |
| Average equity | $8,355,750 | 5,485 |
| Average total loans | $67,844,250 | 4,605 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5168% | 1,265 |
| Cost of funding earning assets | 0.7154% | 5,867 |
| Net interest margin | 4.8014% | 601 |
| Noninterest income to average assets | 1.0850% | 1,100 |
| Noninterest expense to average assets | 4.0492% | 975 |
| Loan and lease loss provision to assets | 0.0087% | 6,154 |
| Net operating income to assets | 1.6145% | 710 |
| Return on assets (ROA) | 1.6145% | 757 |
| Pretax return on assets | 1.6145% | 1,238 |
| Return on Equity (ROE) | 18.8705% | 401 |
| Retained earnings to average equity (ytd only) | 3.6524% | 3,904 |
| Net charge-offs to loans | 0.0060% | 5,792 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 86 |
| Efficiency ratio | 71.2701% | 3,886 |
| Assets per employee ($millions) | 3.0375% | 6,003 |
| Cash dividends to net income (ytd only)* | 80.6452% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 4,601 |
| Loan loss allowance to noncurrent loans | 95.9502% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 4,835 |
| Noncurrent loans to loans | 1.4531% | 4,244 |
| Net loans and leases to total assets | 69.4003% | 2,343 |
| Net loans and leases to deposits | 80.5433% | 2,698 |
| Net loans and leases to core deposits | 82.0563% | 3,493 |
| Total domestic deposits to total assets | 86.1652% | 3,234 |
| Equity capital to assets | 8.5375% | 6,143 |
| Core capital (leverage) ratio | 8.2793% | 5,906 |
| Tier 1 risk-based capital ratio | 12.4633% | 5,381 |
| Total risk-based capital ratio | 13.9334% | 5,161 |
| Memoranda: | ||
| Average total assets | $92,166,330 | 5,205 |
| Average earning assets | $88,057,670 | 5,057 |
| Average equity | $7,885,330 | 5,653 |
| Average total loans | $67,216,670 | 4,668 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 914 |
| Cost of funding earning assets | 0.7585% | 5,811 |
| Net interest margin | 4.9233% | 437 |
| Noninterest income to average assets | 0.9565% | 1,448 |
| Noninterest expense to average assets | 4.1067% | 913 |
| Loan and lease loss provision to assets | 0.0044% | 5,809 |
| Net operating income to assets | 1.5444% | 791 |
| Return on assets (ROA) | 1.5444% | 831 |
| Pretax return on assets | 1.5444% | 1,312 |
| Return on Equity (ROE) | 18.0316% | 480 |
| Retained earnings to average equity (ytd only) | -2.4589% | 6,214 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4593% | 3,776 |
| Assets per employee ($millions) | 2.8796% | 6,394 |
| Cash dividends to net income (ytd only)* | 113.6364% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,790 |
| Loan loss allowance to noncurrent loans | 101.2075% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9886% | 4,929 |
| Noncurrent loans to loans | 1.3578% | 4,443 |
| Net loans and leases to total assets | 71.8092% | 1,758 |
| Net loans and leases to deposits | 83.8051% | 2,062 |
| Net loans and leases to core deposits | 85.4170% | 2,971 |
| Total domestic deposits to total assets | 85.6859% | 3,699 |
| Equity capital to assets | 8.4647% | 5,960 |
| Core capital (leverage) ratio | 8.2797% | 5,844 |
| Tier 1 risk-based capital ratio | 11.7669% | 5,883 |
| Total risk-based capital ratio | 13.2303% | 5,696 |
| Memoranda: | ||
| Average total assets | $91,169,000 | 5,260 |
| Average earning assets | $87,014,000 | 5,127 |
| Average equity | $7,808,500 | 5,678 |
| Average total loans | $67,689,000 | 4,696 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7138% | 1,523 |
| Cost of funding earning assets | 0.8551% | 6,348 |
| Net interest margin | 4.8587% | 590 |
| Noninterest income to average assets | 0.9775% | 1,582 |
| Noninterest expense to average assets | 4.0038% | 1,154 |
| Loan and lease loss provision to assets | 0.1852% | 5,378 |
| Net operating income to assets | 1.4172% | 911 |
| Return on assets (ROA) | 1.4183% | 981 |
| Pretax return on assets | 1.4183% | 1,605 |
| Return on Equity (ROE) | 17.0921% | 469 |
| Retained earnings to average equity (ytd only) | 10.1665% | 492 |
| Net charge-offs to loans | 0.0645% | 6,149 |
| Credit loss provision to net charge-offs | 395.2381% | 624 |
| Earnings coverage of net charge-offs (x) | 34.1905% | 661 |
| Efficiency ratio | 71.2580% | 3,941 |
| Assets per employee ($millions) | 2.7331% | 6,635 |
| Cash dividends to net income (ytd only)* | 40.5193% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 4,746 |
| Loan loss allowance to noncurrent loans | 95.7425% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.0677% | 4,870 |
| Noncurrent loans to loans | 1.4102% | 4,368 |
| Net loans and leases to total assets | 74.6904% | 1,543 |
| Net loans and leases to deposits | 87.4289% | 1,873 |
| Net loans and leases to core deposits | 89.4561% | 2,835 |
| Total domestic deposits to total assets | 85.4298% | 3,647 |
| Equity capital to assets | 8.6672% | 5,629 |
| Core capital (leverage) ratio | 8.2353% | 5,778 |
| Tier 1 risk-based capital ratio | 11.6473% | 5,776 |
| Total risk-based capital ratio | 13.1071% | 5,599 |
| Memoranda: | ||
| Average total assets | $89,615,200 | 5,302 |
| Average earning assets | $85,372,800 | 5,169 |
| Average equity | $7,436,200 | 5,896 |
| Average total loans | $65,162,200 | 4,862 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 1,814 |
| Cost of funding earning assets | 0.8794% | 6,476 |
| Net interest margin | 4.7899% | 690 |
| Noninterest income to average assets | 0.9820% | 1,516 |
| Noninterest expense to average assets | 3.9386% | 1,137 |
| Loan and lease loss provision to assets | 0.2206% | 4,855 |
| Net operating income to assets | 1.3844% | 1,139 |
| Return on assets (ROA) | 1.3844% | 1,219 |
| Pretax return on assets | 1.3844% | 1,929 |
| Return on Equity (ROE) | 16.8729% | 600 |
| Retained earnings to average equity (ytd only) | 8.5182% | 1,232 |
| Net charge-offs to loans | 0.0870% | 5,664 |
| Credit loss provision to net charge-offs | 352.3810% | 890 |
| Earnings coverage of net charge-offs (x) | 25.6421% | 989 |
| Efficiency ratio | 70.8871% | 3,903 |
| Assets per employee ($millions) | 2.7400% | 6,707 |
| Cash dividends to net income (ytd only)* | 49.5156% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 4,981 |
| Loan loss allowance to noncurrent loans | 87.0067% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 4,758 |
| Noncurrent loans to loans | 1.4911% | 4,401 |
| Net loans and leases to total assets | 76.0617% | 1,399 |
| Net loans and leases to deposits | 90.6652% | 1,631 |
| Net loans and leases to core deposits | 92.8125% | 2,682 |
| Total domestic deposits to total assets | 83.8929% | 4,189 |
| Equity capital to assets | 8.4185% | 6,371 |
| Core capital (leverage) ratio | 8.0019% | 6,342 |
| Tier 1 risk-based capital ratio | 10.7434% | 6,598 |
| Total risk-based capital ratio | 12.1482% | 6,446 |
| Memoranda: | ||
| Average total assets | $89,471,250 | 5,374 |
| Average earning assets | $85,205,250 | 5,226 |
| Average equity | $7,341,000 | 6,003 |
| Average total loans | $64,381,250 | 4,964 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6257% | 2,040 |
| Cost of funding earning assets | 0.9046% | 6,561 |
| Net interest margin | 4.7212% | 788 |
| Noninterest income to average assets | 0.9579% | 1,488 |
| Noninterest expense to average assets | 3.9392% | 1,122 |
| Loan and lease loss provision to assets | 0.2154% | 4,738 |
| Net operating income to assets | 1.2876% | 1,336 |
| Return on assets (ROA) | 1.2876% | 1,395 |
| Pretax return on assets | 1.2876% | 2,129 |
| Return on Equity (ROE) | 15.8330% | 723 |
| Retained earnings to average equity (ytd only) | 7.0062% | 1,825 |
| Net charge-offs to loans | 0.1022% | 5,129 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 20.9375% | 1,189 |
| Efficiency ratio | 72.2176% | 3,779 |
| Assets per employee ($millions) | 2.7558% | 6,672 |
| Cash dividends to net income (ytd only)* | 55.7491% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 4,965 |
| Loan loss allowance to noncurrent loans | 85.5159% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.1502% | 4,830 |
| Noncurrent loans to loans | 1.5127% | 4,438 |
| Net loans and leases to total assets | 72.3233% | 2,318 |
| Net loans and leases to deposits | 85.3065% | 2,637 |
| Net loans and leases to core deposits | 87.5841% | 3,604 |
| Total domestic deposits to total assets | 84.7806% | 3,738 |
| Equity capital to assets | 8.0985% | 6,656 |
| Core capital (leverage) ratio | 7.8337% | 6,459 |
| Tier 1 risk-based capital ratio | 11.5431% | 5,722 |
| Total risk-based capital ratio | 13.0151% | 5,493 |
| Memoranda: | ||
| Average total assets | $89,155,000 | 5,418 |
| Average earning assets | $84,682,330 | 5,274 |
| Average equity | $7,250,670 | 6,050 |
| Average total loans | $62,615,330 | 5,077 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6939% | 1,805 |
| Cost of funding earning assets | 0.9434% | 6,604 |
| Net interest margin | 4.7505% | 705 |
| Noninterest income to average assets | 0.9291% | 1,515 |
| Noninterest expense to average assets | 3.9927% | 1,048 |
| Loan and lease loss provision to assets | 0.1903% | 4,595 |
| Net operating income to assets | 1.2418% | 1,427 |
| Return on assets (ROA) | 1.2418% | 1,499 |
| Pretax return on assets | 1.2418% | 2,229 |
| Return on Equity (ROE) | 15.2360% | 833 |
| Retained earnings to average equity (ytd only) | 6.3391% | 2,454 |
| Net charge-offs to loans | 0.1848% | 3,812 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 1,659 |
| Efficiency ratio | 73.4336% | 3,685 |
| Assets per employee ($millions) | 2.9405% | 6,356 |
| Cash dividends to net income (ytd only)* | 58.3942% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 4,779 |
| Loan loss allowance to noncurrent loans | 78.0558% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4351% | 4,354 |
| Noncurrent loans to loans | 1.7029% | 4,189 |
| Net loans and leases to total assets | 68.2469% | 3,323 |
| Net loans and leases to deposits | 79.8885% | 3,674 |
| Net loans and leases to core deposits | 81.1725% | 4,599 |
| Total domestic deposits to total assets | 85.4276% | 3,451 |
| Equity capital to assets | 8.2118% | 6,421 |
| Core capital (leverage) ratio | 7.8363% | 6,455 |
| Tier 1 risk-based capital ratio | 11.1870% | 5,976 |
| Total risk-based capital ratio | 12.6410% | 5,747 |
| Memoranda: | ||
| Average total assets | $88,261,000 | 5,503 |
| Average earning assets | $83,527,500 | 5,378 |
| Average equity | $7,193,500 | 6,118 |
| Average total loans | $60,605,500 | 5,221 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5961% | 3,629 |
| Cost of funding earning assets | 1.1784% | 6,737 |
| Net interest margin | 4.4177% | 1,384 |
| Noninterest income to average assets | 0.9855% | 1,624 |
| Noninterest expense to average assets | 3.9933% | 1,372 |
| Loan and lease loss provision to assets | 0.1631% | 6,060 |
| Net operating income to assets | 1.0519% | 1,660 |
| Return on assets (ROA) | 1.0519% | 1,702 |
| Pretax return on assets | 1.0519% | 2,403 |
| Return on Equity (ROE) | 13.0220% | 955 |
| Retained earnings to average equity (ytd only) | 3.8648% | 2,502 |
| Net charge-offs to loans | 0.1774% | 5,530 |
| Credit loss provision to net charge-offs | 133.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | 9.9333% | 1,742 |
| Efficiency ratio | 76.4930% | 3,438 |
| Assets per employee ($millions) | 2.5973% | 7,043 |
| Cash dividends to net income (ytd only)* | 70.3212% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,618 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.6771% | 3,855 |
| Noncurrent loans to loans | 2.0832% | 3,546 |
| Net loans and leases to total assets | 67.2631% | 3,867 |
| Net loans and leases to deposits | 78.8075% | 4,213 |
| Net loans and leases to core deposits | 94.6657% | 4,605 |
| Total domestic deposits to total assets | 85.3511% | 3,384 |
| Equity capital to assets | 8.0888% | 6,479 |
| Core capital (leverage) ratio | 7.6549% | 6,605 |
| Tier 1 risk-based capital ratio | 11.2666% | 5,643 |
| Total risk-based capital ratio | 12.7413% | 5,364 |
| Memoranda: | ||
| Average total assets | $85,844,000 | 5,530 |
| Average earning assets | $82,057,000 | 5,393 |
| Average equity | $6,934,400 | 6,291 |
| Average total loans | $59,189,200 | 5,289 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 3,959 |
| Cost of funding earning assets | 1.2008% | 6,884 |
| Net interest margin | 4.3816% | 1,488 |
| Noninterest income to average assets | 0.9668% | 1,714 |
| Noninterest expense to average assets | 4.0377% | 1,230 |
| Loan and lease loss provision to assets | 0.1564% | 5,786 |
| Net operating income to assets | 0.9684% | 2,169 |
| Return on assets (ROA) | 0.9684% | 2,224 |
| Pretax return on assets | 0.9684% | 2,999 |
| Return on Equity (ROE) | 11.9919% | 1,351 |
| Retained earnings to average equity (ytd only) | 0.7556% | 4,863 |
| Net charge-offs to loans | 0.1629% | 5,085 |
| Credit loss provision to net charge-offs | 138.8889% | 3,561 |
| Earnings coverage of net charge-offs (x) | 9.9858% | 2,029 |
| Efficiency ratio | 78.0303% | 3,161 |
| Assets per employee ($millions) | 2.9095% | 6,382 |
| Cash dividends to net income (ytd only)* | 93.6993% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,348 |
| Loan loss allowance to noncurrent loans | 57.8639% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.5156% | 4,100 |
| Noncurrent loans to loans | 2.2909% | 3,276 |
| Net loans and leases to total assets | 65.2822% | 4,582 |
| Net loans and leases to deposits | 76.4040% | 4,970 |
| Net loans and leases to core deposits | 92.7332% | 5,160 |
| Total domestic deposits to total assets | 85.4434% | 2,998 |
| Equity capital to assets | 7.7478% | 7,100 |
| Core capital (leverage) ratio | 7.4245% | 7,056 |
| Tier 1 risk-based capital ratio | 10.9970% | 5,956 |
| Total risk-based capital ratio | 12.4746% | 5,672 |
| Memoranda: | ||
| Average total assets | $85,228,250 | 5,581 |
| Average earning assets | $81,612,250 | 5,436 |
| Average equity | $6,882,250 | 6,360 |
| Average total loans | $58,937,500 | 5,342 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 3,738 |
| Cost of funding earning assets | 1.2249% | 7,035 |
| Net interest margin | 4.4398% | 1,312 |
| Noninterest income to average assets | 0.9955% | 1,607 |
| Noninterest expense to average assets | 4.0874% | 1,204 |
| Loan and lease loss provision to assets | 0.1244% | 5,866 |
| Net operating income to assets | 1.0338% | 1,993 |
| Return on assets (ROA) | 1.0338% | 2,072 |
| Pretax return on assets | 1.0338% | 2,867 |
| Return on Equity (ROE) | 12.6187% | 1,255 |
| Retained earnings to average equity (ytd only) | -0.0876% | 5,241 |
| Net charge-offs to loans | 0.0545% | 5,728 |
| Credit loss provision to net charge-offs | 325.0000% | 1,436 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 990 |
| Efficiency ratio | 77.9197% | 3,358 |
| Assets per employee ($millions) | 2.6949% | 6,843 |
| Cash dividends to net income (ytd only)* | 100.6944% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 4,107 |
| Loan loss allowance to noncurrent loans | 54.0230% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.7150% | 3,612 |
| Noncurrent loans to loans | 2.4586% | 2,938 |
| Net loans and leases to total assets | 68.8304% | 3,986 |
| Net loans and leases to deposits | 80.9873% | 4,392 |
| Net loans and leases to core deposits | 99.5990% | 4,547 |
| Total domestic deposits to total assets | 84.9892% | 3,265 |
| Equity capital to assets | 7.9397% | 6,818 |
| Core capital (leverage) ratio | 7.6337% | 6,853 |
| Tier 1 risk-based capital ratio | 11.0289% | 5,844 |
| Total risk-based capital ratio | 12.4928% | 5,562 |
| Memoranda: | ||
| Average total assets | $83,573,330 | 5,680 |
| Average earning assets | $80,003,330 | 5,528 |
| Average equity | $6,847,000 | 6,425 |
| Average total loans | $58,693,000 | 5,394 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6269% | 4,199 |
| Cost of funding earning assets | 1.2465% | 7,181 |
| Net interest margin | 4.3805% | 1,391 |
| Noninterest income to average assets | 1.0117% | 1,450 |
| Noninterest expense to average assets | 3.9299% | 1,270 |
| Loan and lease loss provision to assets | 0.0973% | 5,715 |
| Net operating income to assets | 1.1722% | 1,733 |
| Return on assets (ROA) | 1.1722% | 1,848 |
| Pretax return on assets | 1.1722% | 2,715 |
| Return on Equity (ROE) | 14.0792% | 1,154 |
| Retained earnings to average equity (ytd only) | -0.5258% | 5,772 |
| Net charge-offs to loans | 0.0483% | 4,805 |
| Credit loss provision to net charge-offs | 285.7143% | 1,685 |
| Earnings coverage of net charge-offs (x) | 37.2857% | 897 |
| Efficiency ratio | 75.5847% | 3,554 |
| Assets per employee ($millions) | 2.6838% | 6,922 |
| Cash dividends to net income (ytd only)* | 103.7344% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 3,831 |
| Loan loss allowance to noncurrent loans | 64.1853% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.4531% | 3,756 |
| Noncurrent loans to loans | 2.0940% | 3,126 |
| Net loans and leases to total assets | 68.4624% | 4,026 |
| Net loans and leases to deposits | 81.2310% | 4,413 |
| Net loans and leases to core deposits | 100.0703% | 4,528 |
| Total domestic deposits to total assets | 84.2811% | 3,565 |
| Equity capital to assets | 8.2405% | 6,479 |
| Core capital (leverage) ratio | 8.0730% | 6,340 |
| Tier 1 risk-based capital ratio | 11.4419% | 5,467 |
| Total risk-based capital ratio | 12.9270% | 5,146 |
| Memoranda: | ||
| Average total assets | $82,241,000 | 5,735 |
| Average earning assets | $78,622,000 | 5,598 |
| Average equity | $6,847,000 | 6,459 |
| Average total loans | $57,961,000 | 5,456 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5917% | 2,529 |
| Cost of funding earning assets | 1.8518% | 6,862 |
| Net interest margin | 4.7399% | 886 |
| Noninterest income to average assets | 0.9867% | 1,622 |
| Noninterest expense to average assets | 4.0836% | 1,307 |
| Loan and lease loss provision to assets | 0.1708% | 5,197 |
| Net operating income to assets | 1.1615% | 1,900 |
| Return on assets (ROA) | 1.4243% | 1,138 |
| Pretax return on assets | 1.4243% | 1,894 |
| Return on Equity (ROE) | 18.0878% | 515 |
| Retained earnings to average equity (ytd only) | 2.4529% | 3,669 |
| Net charge-offs to loans | 0.0316% | 6,385 |
| Credit loss provision to net charge-offs | 764.7059% | 556 |
| Earnings coverage of net charge-offs (x) | 59.6471% | 672 |
| Efficiency ratio | 75.4003% | 3,342 |
| Assets per employee ($millions) | 2.8029% | 6,551 |
| Cash dividends to net income (ytd only)* | 86.4391% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 3,701 |
| Loan loss allowance to noncurrent loans | 97.3214% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 4,418 |
| Noncurrent loans to loans | 1.3474% | 3,827 |
| Net loans and leases to total assets | 70.6458% | 3,873 |
| Net loans and leases to deposits | 84.3724% | 4,370 |
| Net loans and leases to core deposits | 103.9029% | 4,405 |
| Total domestic deposits to total assets | 83.7309% | 3,468 |
| Equity capital to assets | 8.4126% | 6,231 |
| Core capital (leverage) ratio | 8.2030% | 6,160 |
| Tier 1 risk-based capital ratio | 11.4350% | 5,303 |
| Total risk-based capital ratio | 12.9057% | 4,986 |
| Memoranda: | ||
| Average total assets | $76,109,400 | 5,830 |
| Average earning assets | $71,119,400 | 5,776 |
| Average equity | $5,993,000 | 6,811 |
| Average total loans | $53,878,600 | 5,531 |