Home > Texas Heritage National Bank > Performance and Condition Ratios
Texas Heritage National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9786% | 654 |
| Cost of funding earning assets | 3.2253% | 108 |
| Net interest margin | 2.7533% | 3,744 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.8171% | 3,979 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0716% | 2,005 |
| Return on assets (ROA) | 1.0716% | 1,970 |
| Pretax return on assets | 1.0716% | 2,489 |
| Return on Equity (ROE) | 12.5700% | 1,828 |
| Retained earnings to average equity (ytd only) | 7.6085% | 1,668 |
| Net charge-offs to loans | 0.0276% | 1,756 |
| Credit loss provision to net charge-offs | 227.2727% | 1,132 |
| Earnings coverage of net charge-offs (x) | 48.4394% | 1,316 |
| Efficiency ratio | 61.7744% | 2,862 |
| Assets per employee ($millions) | 8.4521% | 1,199 |
| Cash dividends to net income (ytd only)* | 39.4815% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,246 |
| Loan loss allowance to noncurrent loans | 7,720.8955% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,145 |
| Noncurrent loans to loans | 0.0131% | 3,656 |
| Net loans and leases to total assets | 83.1500% | 331 |
| Net loans and leases to deposits | 102.5213% | 414 |
| Net loans and leases to core deposits | 115.4413% | 763 |
| Total domestic deposits to total assets | 81.1000% | 3,292 |
| Equity capital to assets | 8.9399% | 2,713 |
| Core capital (leverage) ratio | 9.0877% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3700% | 2,748 |
| Memoranda: | ||
| Average total assets | $568,664,400 | 1,557 |
| Average earning assets | $548,506,800 | 1,496 |
| Average equity | $48,472,400 | 1,648 |
| Average total loans | $477,499,800 | 1,282 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8031% | 686 |
| Cost of funding earning assets | 3.1040% | 104 |
| Net interest margin | 2.6991% | 3,883 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.7359% | 4,072 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1173% | 1,998 |
| Return on assets (ROA) | 1.1173% | 1,981 |
| Pretax return on assets | 1.1173% | 2,517 |
| Return on Equity (ROE) | 13.2800% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.9278% | 1,994 |
| Net charge-offs to loans | 0.0247% | 1,584 |
| Credit loss provision to net charge-offs | 344.8276% | 804 |
| Earnings coverage of net charge-offs (x) | 57.2644% | 1,229 |
| Efficiency ratio | 59.3505% | 3,039 |
| Assets per employee ($millions) | 9.3628% | 817 |
| Cash dividends to net income (ytd only)* | 40.3246% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 2,959 |
| Loan loss allowance to noncurrent loans | 2,731.9372% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 2,936 |
| Noncurrent loans to loans | 0.0396% | 3,483 |
| Net loans and leases to total assets | 78.4600% | 826 |
| Net loans and leases to deposits | 93.6375% | 926 |
| Net loans and leases to core deposits | 104.5411% | 1,091 |
| Total domestic deposits to total assets | 83.8000% | 2,833 |
| Equity capital to assets | 8.0710% | 3,015 |
| Core capital (leverage) ratio | 8.3194% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6192% | 2,878 |
| Memoranda: | ||
| Average total assets | $558,692,500 | 1,582 |
| Average earning assets | $538,988,750 | 1,528 |
| Average equity | $46,989,500 | 1,670 |
| Average total loans | $469,081,250 | 1,295 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6387% | 701 |
| Cost of funding earning assets | 2.9063% | 101 |
| Net interest margin | 2.7324% | 3,933 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.6592% | 4,197 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3113% | 1,541 |
| Return on assets (ROA) | 1.3113% | 1,526 |
| Pretax return on assets | 1.3113% | 2,050 |
| Return on Equity (ROE) | 15.3600% | 1,398 |
| Retained earnings to average equity (ytd only) | 9.0018% | 1,684 |
| Net charge-offs to loans | 0.0301% | 1,284 |
| Credit loss provision to net charge-offs | 214.2857% | 1,018 |
| Earnings coverage of net charge-offs (x) | 52.9143% | 1,259 |
| Efficiency ratio | 54.8348% | 3,547 |
| Assets per employee ($millions) | 8.8535% | 955 |
| Cash dividends to net income (ytd only)* | 41.3900% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,146 |
| Loan loss allowance to noncurrent loans | 2,101.2397% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 2,748 |
| Noncurrent loans to loans | 0.0504% | 3,350 |
| Net loans and leases to total assets | 83.9000% | 279 |
| Net loans and leases to deposits | 103.9076% | 373 |
| Net loans and leases to core deposits | 117.1218% | 594 |
| Total domestic deposits to total assets | 80.7500% | 3,465 |
| Equity capital to assets | 8.4299% | 2,922 |
| Core capital (leverage) ratio | 8.8003% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5532% | 2,902 |
| Memoranda: | ||
| Average total assets | $542,062,000 | 1,628 |
| Average earning assets | $523,209,000 | 1,568 |
| Average equity | $46,279,667 | 1,688 |
| Average total loans | $464,528,333 | 1,295 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5242% | 599 |
| Cost of funding earning assets | 2.7414% | 63 |
| Net interest margin | 2.7828% | 3,968 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.0348% | 3,541 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.1507% | 2,064 |
| Return on assets (ROA) | 1.1507% | 2,032 |
| Pretax return on assets | 1.1507% | 2,563 |
| Return on Equity (ROE) | 13.3900% | 1,905 |
| Retained earnings to average equity (ytd only) | 4.8401% | 3,054 |
| Net charge-offs to loans | 0.0088% | 1,617 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 167.4000% | 571 |
| Efficiency ratio | 61.6846% | 2,732 |
| Assets per employee ($millions) | 8.4120% | 1,159 |
| Cash dividends to net income (ytd only)* | 63.8451% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 2,995 |
| Loan loss allowance to noncurrent loans | 776.0181% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 2,645 |
| Noncurrent loans to loans | 0.1432% | 2,781 |
| Net loans and leases to total assets | 85.0400% | 182 |
| Net loans and leases to deposits | 104.9226% | 283 |
| Net loans and leases to core deposits | 115.8167% | 543 |
| Total domestic deposits to total assets | 81.0500% | 3,629 |
| Equity capital to assets | 8.5216% | 2,875 |
| Core capital (leverage) ratio | 8.5816% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6498% | 2,980 |
| Memoranda: | ||
| Average total assets | $529,781,000 | 1,683 |
| Average earning assets | $511,421,000 | 1,615 |
| Average equity | $45,536,500 | 1,727 |
| Average total loans | $456,549,000 | 1,327 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 457 |
| Cost of funding earning assets | 1.2851% | 56 |
| Net interest margin | 3.4823% | 1,986 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.1429% | 3,186 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 1.0378% | 2,427 |
| Return on assets (ROA) | 1.0378% | 2,367 |
| Pretax return on assets | 1.0378% | 2,949 |
| Return on Equity (ROE) | 11.6800% | 2,246 |
| Retained earnings to average equity (ytd only) | 8.6054% | 1,602 |
| Net charge-offs to loans | 0.0124% | 1,918 |
| Credit loss provision to net charge-offs | 3,240.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 852 |
| Efficiency ratio | 60.7867% | 2,942 |
| Assets per employee ($millions) | 8.2729% | 1,196 |
| Cash dividends to net income (ytd only)* | 26.3115% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 2,841 |
| Loan loss allowance to noncurrent loans | 2,910.4651% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,479 |
| Noncurrent loans to loans | 0.0382% | 3,502 |
| Net loans and leases to total assets | 85.4000% | 191 |
| Net loans and leases to deposits | 109.5824% | 163 |
| Net loans and leases to core deposits | 119.6459% | 377 |
| Total domestic deposits to total assets | 77.9300% | 4,102 |
| Equity capital to assets | 8.6715% | 2,582 |
| Core capital (leverage) ratio | 8.7610% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8014% | 2,992 |
| Memoranda: | ||
| Average total assets | $470,208,000 | 1,797 |
| Average earning assets | $454,520,800 | 1,742 |
| Average equity | $41,787,600 | 1,863 |
| Average total loans | $401,928,800 | 1,386 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 386 |
| Cost of funding earning assets | 0.7684% | 113 |
| Net interest margin | 3.7096% | 898 |
| Noninterest income to average assets | 0.1611% | 4,206 |
| Noninterest expense to average assets | 2.1674% | 2,950 |
| Loan and lease loss provision to assets | 0.3561% | 169 |
| Net operating income to assets | 1.2275% | 1,341 |
| Return on assets (ROA) | 1.2275% | 1,326 |
| Pretax return on assets | 1.2275% | 1,975 |
| Return on Equity (ROE) | 13.5672% | 1,216 |
| Retained earnings to average equity (ytd only) | 11.4986% | 699 |
| Net charge-offs to loans | 0.0258% | 1,201 |
| Credit loss provision to net charge-offs | 1,625.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 72.2708% | 986 |
| Efficiency ratio | 57.7826% | 3,591 |
| Assets per employee ($millions) | 8.1280% | 1,239 |
| Cash dividends to net income (ytd only)* | 15.2473% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,445 |
| Loan loss allowance to noncurrent loans | 3,593.1034% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,751 |
| Noncurrent loans to loans | 0.0288% | 3,740 |
| Net loans and leases to total assets | 83.1241% | 226 |
| Net loans and leases to deposits | 107.2391% | 114 |
| Net loans and leases to core deposits | 116.2765% | 239 |
| Total domestic deposits to total assets | 77.5129% | 4,380 |
| Equity capital to assets | 9.0951% | 2,321 |
| Core capital (leverage) ratio | 9.7773% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1549% | 2,993 |
| Memoranda: | ||
| Average total assets | $438,128,000 | 1,910 |
| Average earning assets | $423,982,000 | 1,865 |
| Average equity | $39,639,667 | 2,014 |
| Average total loans | $372,006,333 | 1,470 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 302 |
| Cost of funding earning assets | 0.7437% | 123 |
| Net interest margin | 3.7758% | 659 |
| Noninterest income to average assets | 0.1744% | 4,127 |
| Noninterest expense to average assets | 2.2069% | 2,823 |
| Loan and lease loss provision to assets | 0.3450% | 167 |
| Net operating income to assets | 1.2764% | 1,055 |
| Return on assets (ROA) | 1.2764% | 1,048 |
| Pretax return on assets | 1.2764% | 1,579 |
| Return on Equity (ROE) | 14.1508% | 807 |
| Retained earnings to average equity (ytd only) | 14.1508% | 368 |
| Net charge-offs to loans | 0.0505% | 785 |
| Credit loss provision to net charge-offs | 800.0000% | 392 |
| Earnings coverage of net charge-offs (x) | 37.6000% | 1,032 |
| Efficiency ratio | 57.6471% | 3,719 |
| Assets per employee ($millions) | 7.8716% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,654 |
| Loan loss allowance to noncurrent loans | 3,125.8333% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,779 |
| Noncurrent loans to loans | 0.0325% | 3,751 |
| Net loans and leases to total assets | 81.5332% | 177 |
| Net loans and leases to deposits | 102.5093% | 132 |
| Net loans and leases to core deposits | 111.7204% | 227 |
| Total domestic deposits to total assets | 79.5374% | 4,310 |
| Equity capital to assets | 9.5297% | 2,258 |
| Core capital (leverage) ratio | 10.1506% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9076% | 2,912 |
| Memoranda: | ||
| Average total assets | $417,415,000 | 1,988 |
| Average earning assets | $403,936,000 | 1,938 |
| Average equity | $37,651,500 | 2,146 |
| Average total loans | $356,613,000 | 1,501 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 397 |
| Cost of funding earning assets | 0.8338% | 169 |
| Net interest margin | 3.9069% | 846 |
| Noninterest income to average assets | 0.4201% | 2,944 |
| Noninterest expense to average assets | 2.3735% | 2,573 |
| Loan and lease loss provision to assets | 0.4422% | 139 |
| Net operating income to assets | 1.3475% | 1,454 |
| Return on assets (ROA) | 1.4707% | 1,139 |
| Pretax return on assets | 1.4707% | 1,812 |
| Return on Equity (ROE) | 15.9943% | 763 |
| Retained earnings to average equity (ytd only) | 15.9943% | 176 |
| Net charge-offs to loans | 0.0011% | 2,634 |
| Credit loss provision to net charge-offs | 46,666.6667% | 11 |
| Earnings coverage of net charge-offs (x) | 1,888.6667% | 72 |
| Efficiency ratio | 57.0106% | 3,579 |
| Assets per employee ($millions) | 7.2858% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,757 |
| Loan loss allowance to noncurrent loans | 1,467.9487% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,561 |
| Noncurrent loans to loans | 0.0681% | 3,602 |
| Net loans and leases to total assets | 88.1049% | 31 |
| Net loans and leases to deposits | 108.3152% | 91 |
| Net loans and leases to core deposits | 119.3142% | 168 |
| Total domestic deposits to total assets | 81.3411% | 4,062 |
| Equity capital to assets | 8.4281% | 4,098 |
| Core capital (leverage) ratio | 8.8930% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2303% | 3,080 |
| Memoranda: | ||
| Average total assets | $316,579,600 | 2,354 |
| Average earning assets | $303,309,200 | 2,317 |
| Average equity | $29,110,400 | 2,594 |
| Average total loans | $267,105,600 | 1,847 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 404 |
| Cost of funding earning assets | 0.8629% | 187 |
| Net interest margin | 3.9478% | 866 |
| Noninterest income to average assets | 0.5071% | 2,592 |
| Noninterest expense to average assets | 2.4074% | 2,418 |
| Loan and lease loss provision to assets | 0.4770% | 116 |
| Net operating income to assets | 1.3966% | 1,557 |
| Return on assets (ROA) | 1.5704% | 1,148 |
| Pretax return on assets | 1.5704% | 1,792 |
| Return on Equity (ROE) | 16.6310% | 824 |
| Retained earnings to average equity (ytd only) | 16.6310% | 260 |
| Net charge-offs to loans | 0.0011% | 2,406 |
| Credit loss provision to net charge-offs | 53,500.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,102.0000% | 69 |
| Efficiency ratio | 56.2357% | 3,498 |
| Assets per employee ($millions) | 6.7034% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,756 |
| Loan loss allowance to noncurrent loans | 938.3686% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 3,441 |
| Noncurrent loans to loans | 0.1092% | 3,548 |
| Net loans and leases to total assets | 89.4686% | 22 |
| Net loans and leases to deposits | 118.1130% | 45 |
| Net loans and leases to core deposits | 131.7380% | 108 |
| Total domestic deposits to total assets | 75.7483% | 4,557 |
| Equity capital to assets | 9.3601% | 3,501 |
| Core capital (leverage) ratio | 10.2730% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3028% | 3,059 |
| Memoranda: | ||
| Average total assets | $299,187,250 | 2,464 |
| Average earning assets | $285,992,250 | 2,422 |
| Average equity | $28,251,750 | 2,664 |
| Average total loans | $247,969,250 | 1,969 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 336 |
| Cost of funding earning assets | 0.9232% | 167 |
| Net interest margin | 4.0855% | 712 |
| Noninterest income to average assets | 0.2632% | 3,819 |
| Noninterest expense to average assets | 2.4416% | 2,336 |
| Loan and lease loss provision to assets | 0.3830% | 180 |
| Net operating income to assets | 1.3371% | 1,756 |
| Return on assets (ROA) | 1.6087% | 1,089 |
| Pretax return on assets | 1.6087% | 1,713 |
| Return on Equity (ROE) | 16.9780% | 784 |
| Retained earnings to average equity (ytd only) | 16.9780% | 273 |
| Net charge-offs to loans | 0.0017% | 2,151 |
| Credit loss provision to net charge-offs | 27,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 1,235.0000% | 105 |
| Efficiency ratio | 58.6680% | 3,194 |
| Assets per employee ($millions) | 6.2513% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,759 |
| Loan loss allowance to noncurrent loans | 523.6842% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 1,816 |
| Noncurrent loans to loans | 0.1948% | 3,253 |
| Net loans and leases to total assets | 87.2721% | 55 |
| Net loans and leases to deposits | 111.3884% | 96 |
| Net loans and leases to core deposits | 121.0767% | 207 |
| Total domestic deposits to total assets | 78.3494% | 4,405 |
| Equity capital to assets | 10.4549% | 2,431 |
| Core capital (leverage) ratio | 10.3854% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2845% | 2,614 |
| Memoranda: | ||
| Average total assets | $287,193,667 | 2,510 |
| Average earning assets | $274,043,333 | 2,480 |
| Average equity | $27,211,667 | 2,724 |
| Average total loans | $229,633,667 | 2,097 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 1,482 |
| Cost of funding earning assets | 0.9482% | 176 |
| Net interest margin | 3.1131% | 2,946 |
| Noninterest income to average assets | 0.3066% | 3,575 |
| Noninterest expense to average assets | 2.3233% | 2,712 |
| Loan and lease loss provision to assets | 0.3136% | 285 |
| Net operating income to assets | 0.6439% | 3,824 |
| Return on assets (ROA) | 0.6439% | 3,895 |
| Pretax return on assets | 0.6439% | 4,119 |
| Return on Equity (ROE) | 7.1668% | 3,562 |
| Retained earnings to average equity (ytd only) | 7.1668% | 2,522 |
| Net charge-offs to loans | 0.0018% | 1,861 |
| Credit loss provision to net charge-offs | 22,500.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 687.0000% | 137 |
| Efficiency ratio | 70.8156% | 1,620 |
| Assets per employee ($millions) | 6.6279% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 3,953 |
| Loan loss allowance to noncurrent loans | 631.8436% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 2,188 |
| Noncurrent loans to loans | 0.1542% | 3,562 |
| Net loans and leases to total assets | 78.8481% | 409 |
| Net loans and leases to deposits | 97.9648% | 347 |
| Net loans and leases to core deposits | 106.0094% | 512 |
| Total domestic deposits to total assets | 80.4862% | 4,142 |
| Equity capital to assets | 9.1414% | 3,551 |
| Core capital (leverage) ratio | 9.1954% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,011,500 | 2,505 |
| Average earning assets | $274,193,000 | 2,464 |
| Average equity | $25,785,500 | 2,814 |
| Average total loans | $217,678,000 | 2,157 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 729 |
| Cost of funding earning assets | 1.1348% | 352 |
| Net interest margin | 3.6733% | 1,895 |
| Noninterest income to average assets | 0.3251% | 3,516 |
| Noninterest expense to average assets | 2.7487% | 2,083 |
| Loan and lease loss provision to assets | 0.4538% | 612 |
| Net operating income to assets | 0.5935% | 3,778 |
| Return on assets (ROA) | 0.6185% | 3,809 |
| Pretax return on assets | 0.6185% | 4,041 |
| Return on Equity (ROE) | 6.2081% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.6031% | 2,480 |
| Net charge-offs to loans | 0.2016% | 854 |
| Credit loss provision to net charge-offs | 300.9554% | 1,722 |
| Earnings coverage of net charge-offs (x) | 6.9459% | 2,737 |
| Efficiency ratio | 72.4099% | 1,630 |
| Assets per employee ($millions) | 6.7237% | 1,768 |
| Cash dividends to net income (ytd only)* | 25.8540% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,852 |
| Loan loss allowance to noncurrent loans | 175.5383% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 1,484 |
| Noncurrent loans to loans | 0.5715% | 2,269 |
| Net loans and leases to total assets | 71.2168% | 1,399 |
| Net loans and leases to deposits | 88.4114% | 1,046 |
| Net loans and leases to core deposits | 95.3666% | 1,155 |
| Total domestic deposits to total assets | 80.5516% | 3,950 |
| Equity capital to assets | 8.8217% | 4,200 |
| Core capital (leverage) ratio | 9.2494% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,241,200 | 2,876 |
| Average earning assets | $196,768,800 | 2,857 |
| Average equity | $20,747,000 | 3,116 |
| Average total loans | $155,728,800 | 2,608 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 474 |
| Cost of funding earning assets | 1.1901% | 387 |
| Net interest margin | 3.9390% | 1,259 |
| Noninterest income to average assets | 0.3486% | 3,379 |
| Noninterest expense to average assets | 2.9118% | 1,674 |
| Loan and lease loss provision to assets | 0.5588% | 480 |
| Net operating income to assets | 0.5862% | 3,810 |
| Return on assets (ROA) | 0.6227% | 3,804 |
| Pretax return on assets | 0.6227% | 4,069 |
| Return on Equity (ROE) | 5.9947% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.7416% | 3,171 |
| Net charge-offs to loans | 0.2938% | 536 |
| Credit loss provision to net charge-offs | 250.7886% | 1,919 |
| Earnings coverage of net charge-offs (x) | 5.1388% | 2,759 |
| Efficiency ratio | 71.7775% | 1,668 |
| Assets per employee ($millions) | 6.1731% | 2,115 |
| Cash dividends to net income (ytd only)* | 37.5847% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,557 |
| Loan loss allowance to noncurrent loans | 145.5598% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 1,256 |
| Noncurrent loans to loans | 0.7086% | 2,022 |
| Net loans and leases to total assets | 73.2533% | 1,466 |
| Net loans and leases to deposits | 94.1270% | 915 |
| Net loans and leases to core deposits | 102.3807% | 1,007 |
| Total domestic deposits to total assets | 77.8239% | 4,225 |
| Equity capital to assets | 9.8832% | 3,352 |
| Core capital (leverage) ratio | 10.5567% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,703,000 | 3,016 |
| Average earning assets | $178,584,750 | 2,995 |
| Average equity | $19,705,750 | 3,216 |
| Average total loans | $143,873,500 | 2,717 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 230 |
| Cost of funding earning assets | 1.2619% | 416 |
| Net interest margin | 4.4412% | 564 |
| Noninterest income to average assets | 0.3692% | 3,262 |
| Noninterest expense to average assets | 3.0944% | 1,370 |
| Loan and lease loss provision to assets | 0.8439% | 276 |
| Net operating income to assets | 0.5931% | 3,765 |
| Return on assets (ROA) | 0.6540% | 3,661 |
| Pretax return on assets | 0.6540% | 3,965 |
| Return on Equity (ROE) | 6.1523% | 3,456 |
| Retained earnings to average equity (ytd only) | 2.4808% | 3,585 |
| Net charge-offs to loans | 0.4675% | 339 |
| Credit loss provision to net charge-offs | 235.2941% | 1,795 |
| Earnings coverage of net charge-offs (x) | 4.0065% | 2,630 |
| Efficiency ratio | 68.2876% | 2,200 |
| Assets per employee ($millions) | 5.3658% | 2,768 |
| Cash dividends to net income (ytd only)* | 59.6774% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 2,843 |
| Loan loss allowance to noncurrent loans | 68.9512% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 780 |
| Noncurrent loans to loans | 1.6490% | 887 |
| Net loans and leases to total assets | 77.6518% | 898 |
| Net loans and leases to deposits | 111.0556% | 213 |
| Net loans and leases to core deposits | 122.1811% | 374 |
| Total domestic deposits to total assets | 69.9215% | 4,786 |
| Equity capital to assets | 11.3821% | 2,053 |
| Core capital (leverage) ratio | 12.2098% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,629,333 | 3,157 |
| Average earning assets | $159,912,667 | 3,134 |
| Average equity | $18,139,667 | 3,350 |
| Average total loans | $130,909,667 | 2,858 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 716 |
| Cost of funding earning assets | 1.3399% | 498 |
| Net interest margin | 3.8109% | 1,931 |
| Noninterest income to average assets | 0.3714% | 3,288 |
| Noninterest expense to average assets | 3.2858% | 1,250 |
| Loan and lease loss provision to assets | 0.3117% | 994 |
| Net operating income to assets | 0.3273% | 4,288 |
| Return on assets (ROA) | 0.4598% | 4,049 |
| Pretax return on assets | 0.4598% | 4,189 |
| Return on Equity (ROE) | 4.5369% | 3,809 |
| Retained earnings to average equity (ytd only) | -2.6401% | 4,317 |
| Net charge-offs to loans | -0.0069% | 3,950 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7194% | 846 |
| Assets per employee ($millions) | 4.2520% | 3,594 |
| Cash dividends to net income (ytd only)* | 158.1921% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,526 |
| Loan loss allowance to noncurrent loans | 62.3165% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.5176% | 697 |
| Noncurrent loans to loans | 1.9680% | 735 |
| Net loans and leases to total assets | 76.1659% | 1,274 |
| Net loans and leases to deposits | 101.5220% | 461 |
| Net loans and leases to core deposits | 109.3581% | 882 |
| Total domestic deposits to total assets | 75.0240% | 4,586 |
| Equity capital to assets | 9.5293% | 4,187 |
| Core capital (leverage) ratio | 10.2416% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4955% | 2,932 |
| Memoranda: | ||
| Average total assets | $153,994,000 | 3,275 |
| Average earning assets | $143,587,500 | 3,259 |
| Average equity | $15,605,500 | 3,602 |
| Average total loans | $116,288,000 | 2,995 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 785 |
| Cost of funding earning assets | 1.3168% | 738 |
| Net interest margin | 4.0060% | 1,842 |
| Noninterest income to average assets | 0.5231% | 2,609 |
| Noninterest expense to average assets | 3.0134% | 1,985 |
| Loan and lease loss provision to assets | 0.0679% | 2,653 |
| Net operating income to assets | 1.1505% | 2,252 |
| Return on assets (ROA) | 1.1512% | 2,349 |
| Pretax return on assets | 1.1512% | 3,007 |
| Return on Equity (ROE) | 10.3925% | 2,123 |
| Retained earnings to average equity (ytd only) | 1.9030% | 4,042 |
| Net charge-offs to loans | -0.0113% | 4,502 |
| Credit loss provision to net charge-offs | -791.6667% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2091% | 1,986 |
| Assets per employee ($millions) | 4.3063% | 3,499 |
| Cash dividends to net income (ytd only)* | 81.6884% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 1,906 |
| Loan loss allowance to noncurrent loans | 55.4592% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 530 |
| Noncurrent loans to loans | 2.3494% | 497 |
| Net loans and leases to total assets | 72.7914% | 1,951 |
| Net loans and leases to deposits | 96.1591% | 924 |
| Net loans and leases to core deposits | 102.0501% | 1,402 |
| Total domestic deposits to total assets | 75.6989% | 4,632 |
| Equity capital to assets | 10.8010% | 3,180 |
| Core capital (leverage) ratio | 10.8232% | 2,661 |
| Tier 1 risk-based capital ratio | 13.2162% | 3,669 |
| Total risk-based capital ratio | 14.3941% | 3,603 |
| Memoranda: | ||
| Average total assets | $139,942,400 | 3,433 |
| Average earning assets | $129,556,000 | 3,433 |
| Average equity | $15,501,600 | 3,590 |
| Average total loans | $106,155,400 | 3,142 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3375% | 798 |
| Cost of funding earning assets | 1.2966% | 798 |
| Net interest margin | 4.0409% | 1,800 |
| Noninterest income to average assets | 0.4771% | 2,868 |
| Noninterest expense to average assets | 3.1028% | 1,710 |
| Loan and lease loss provision to assets | 0.0916% | 2,079 |
| Net operating income to assets | 1.0198% | 2,912 |
| Return on assets (ROA) | 1.0208% | 2,980 |
| Pretax return on assets | 1.0208% | 3,524 |
| Return on Equity (ROE) | 9.1546% | 2,825 |
| Retained earnings to average equity (ytd only) | 0.6829% | 4,629 |
| Net charge-offs to loans | -0.0025% | 4,081 |
| Credit loss provision to net charge-offs | -4,750.0000% | 4,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6276% | 1,625 |
| Assets per employee ($millions) | 4.3363% | 3,430 |
| Cash dividends to net income (ytd only)* | 92.5402% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,870 |
| Loan loss allowance to noncurrent loans | 66.1458% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.6415% | 633 |
| Noncurrent loans to loans | 2.0000% | 674 |
| Net loans and leases to total assets | 72.8174% | 2,033 |
| Net loans and leases to deposits | 96.8870% | 916 |
| Net loans and leases to core deposits | 102.2380% | 1,477 |
| Total domestic deposits to total assets | 75.1571% | 4,732 |
| Equity capital to assets | 10.8883% | 3,210 |
| Core capital (leverage) ratio | 11.0909% | 2,569 |
| Tier 1 risk-based capital ratio | 13.8351% | 3,408 |
| Total risk-based capital ratio | 15.0764% | 3,321 |
| Memoranda: | ||
| Average total assets | $138,324,750 | 3,494 |
| Average earning assets | $127,922,500 | 3,488 |
| Average equity | $15,423,500 | 3,635 |
| Average total loans | $105,698,500 | 3,184 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3786% | 705 |
| Cost of funding earning assets | 1.2869% | 769 |
| Net interest margin | 4.0917% | 1,635 |
| Noninterest income to average assets | 0.4856% | 2,754 |
| Noninterest expense to average assets | 3.1302% | 1,659 |
| Loan and lease loss provision to assets | 0.1170% | 1,601 |
| Net operating income to assets | 1.0195% | 2,843 |
| Return on assets (ROA) | 1.0210% | 2,923 |
| Pretax return on assets | 1.0210% | 3,470 |
| Return on Equity (ROE) | 9.0820% | 2,817 |
| Retained earnings to average equity (ytd only) | -0.0260% | 4,683 |
| Net charge-offs to loans | 0.0492% | 1,945 |
| Credit loss provision to net charge-offs | 307.6923% | 882 |
| Earnings coverage of net charge-offs (x) | 29.8846% | 1,465 |
| Efficiency ratio | 73.3630% | 1,725 |
| Assets per employee ($millions) | 4.1404% | 3,666 |
| Cash dividends to net income (ytd only)* | 100.2865% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,048 |
| Loan loss allowance to noncurrent loans | 170.5290% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 1,847 |
| Noncurrent loans to loans | 0.7581% | 2,085 |
| Net loans and leases to total assets | 75.6583% | 1,605 |
| Net loans and leases to deposits | 102.0010% | 539 |
| Net loans and leases to core deposits | 108.1645% | 1,089 |
| Total domestic deposits to total assets | 74.1741% | 4,822 |
| Equity capital to assets | 11.3391% | 2,750 |
| Core capital (leverage) ratio | 11.2724% | 2,353 |
| Tier 1 risk-based capital ratio | 14.1132% | 3,255 |
| Total risk-based capital ratio | 15.3470% | 3,185 |
| Memoranda: | ||
| Average total assets | $136,733,330 | 3,531 |
| Average earning assets | $126,352,000 | 3,532 |
| Average equity | $15,371,000 | 3,651 |
| Average total loans | $105,732,000 | 3,201 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 795 |
| Cost of funding earning assets | 1.2373% | 804 |
| Net interest margin | 4.0348% | 1,735 |
| Noninterest income to average assets | 0.4942% | 2,589 |
| Noninterest expense to average assets | 3.1729% | 1,566 |
| Loan and lease loss provision to assets | 0.1462% | 1,161 |
| Net operating income to assets | 0.9036% | 3,220 |
| Return on assets (ROA) | 0.9065% | 3,260 |
| Pretax return on assets | 0.9065% | 3,746 |
| Return on Equity (ROE) | 8.0993% | 3,222 |
| Retained earnings to average equity (ytd only) | -2.8739% | 4,807 |
| Net charge-offs to loans | -0.0377% | 4,738 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1385% | 1,598 |
| Assets per employee ($millions) | 3.9820% | 3,950 |
| Cash dividends to net income (ytd only)* | 135.4839% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,142 |
| Loan loss allowance to noncurrent loans | 75.8929% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.4558% | 833 |
| Noncurrent loans to loans | 1.6977% | 909 |
| Net loans and leases to total assets | 74.7602% | 1,678 |
| Net loans and leases to deposits | 99.8677% | 645 |
| Net loans and leases to core deposits | 106.1677% | 1,163 |
| Total domestic deposits to total assets | 74.8592% | 4,869 |
| Equity capital to assets | 10.9922% | 2,858 |
| Core capital (leverage) ratio | 11.3050% | 2,282 |
| Tier 1 risk-based capital ratio | 13.7539% | 3,468 |
| Total risk-based capital ratio | 14.9700% | 3,400 |
| Memoranda: | ||
| Average total assets | $136,783,000 | 3,566 |
| Average earning assets | $126,401,000 | 3,565 |
| Average equity | $15,310,000 | 3,669 |
| Average total loans | $106,233,500 | 3,222 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7201% | 269 |
| Cost of funding earning assets | 1.0144% | 715 |
| Net interest margin | 4.7057% | 483 |
| Noninterest income to average assets | 0.5445% | 2,584 |
| Noninterest expense to average assets | 3.1586% | 1,651 |
| Loan and lease loss provision to assets | 0.5618% | 200 |
| Net operating income to assets | 1.1598% | 2,344 |
| Return on assets (ROA) | 1.1598% | 2,345 |
| Pretax return on assets | 1.1598% | 3,061 |
| Return on Equity (ROE) | 10.1992% | 2,443 |
| Retained earnings to average equity (ytd only) | 5.5632% | 2,447 |
| Net charge-offs to loans | 0.7114% | 224 |
| Credit loss provision to net charge-offs | 98.5469% | 2,585 |
| Earnings coverage of net charge-offs (x) | 3.0198% | 3,460 |
| Efficiency ratio | 64.7222% | 3,079 |
| Assets per employee ($millions) | 3.8341% | 4,128 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,492 |
| Loan loss allowance to noncurrent loans | 69.5187% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 730 |
| Noncurrent loans to loans | 1.7491% | 818 |
| Net loans and leases to total assets | 78.7011% | 1,149 |
| Net loans and leases to deposits | 106.3200% | 359 |
| Net loans and leases to core deposits | 113.2616% | 814 |
| Total domestic deposits to total assets | 74.0229% | 4,946 |
| Equity capital to assets | 11.4013% | 2,329 |
| Core capital (leverage) ratio | 11.4948% | 2,106 |
| Tier 1 risk-based capital ratio | 14.0884% | 3,251 |
| Total risk-based capital ratio | 15.2706% | 3,210 |
| Memoranda: | ||
| Average total assets | $132,780,400 | 3,612 |
| Average earning assets | $122,340,600 | 3,611 |
| Average equity | $15,099,200 | 3,631 |
| Average total loans | $106,412,600 | 3,197 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2404% | 575 |
| Cost of funding earning assets | 0.9689% | 689 |
| Net interest margin | 4.2715% | 1,180 |
| Noninterest income to average assets | 0.5699% | 2,474 |
| Noninterest expense to average assets | 3.2641% | 1,387 |
| Loan and lease loss provision to assets | 0.1510% | 1,304 |
| Net operating income to assets | 1.0874% | 2,724 |
| Return on assets (ROA) | 1.0874% | 2,732 |
| Pretax return on assets | 1.0874% | 3,446 |
| Return on Equity (ROE) | 9.5685% | 2,810 |
| Retained earnings to average equity (ytd only) | 6.0955% | 2,609 |
| Net charge-offs to loans | 0.3425% | 485 |
| Credit loss provision to net charge-offs | 54.9451% | 2,791 |
| Earnings coverage of net charge-offs (x) | 4.5055% | 3,052 |
| Efficiency ratio | 72.4955% | 1,809 |
| Assets per employee ($millions) | 3.7438% | 4,246 |
| Cash dividends to net income (ytd only)* | 36.2961% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,177 |
| Loan loss allowance to noncurrent loans | 61.4907% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 921 |
| Noncurrent loans to loans | 1.7934% | 856 |
| Net loans and leases to total assets | 79.0493% | 1,158 |
| Net loans and leases to deposits | 106.8498% | 405 |
| Net loans and leases to core deposits | 113.7517% | 832 |
| Total domestic deposits to total assets | 73.9817% | 4,977 |
| Equity capital to assets | 11.3186% | 2,387 |
| Core capital (leverage) ratio | 11.4675% | 2,194 |
| Tier 1 risk-based capital ratio | 13.7271% | 3,499 |
| Total risk-based capital ratio | 14.7902% | 3,519 |
| Memoranda: | ||
| Average total assets | $132,426,750 | 3,651 |
| Average earning assets | $121,921,750 | 3,647 |
| Average equity | $15,049,000 | 3,657 |
| Average total loans | $106,287,500 | 3,225 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 556 |
| Cost of funding earning assets | 0.9081% | 716 |
| Net interest margin | 4.2922% | 1,051 |
| Noninterest income to average assets | 0.5545% | 2,559 |
| Noninterest expense to average assets | 3.2953% | 1,332 |
| Loan and lease loss provision to assets | 0.0912% | 2,103 |
| Net operating income to assets | 1.1106% | 2,545 |
| Return on assets (ROA) | 1.1106% | 2,548 |
| Pretax return on assets | 1.1106% | 3,267 |
| Return on Equity (ROE) | 9.7595% | 2,682 |
| Retained earnings to average equity (ytd only) | 9.7595% | 995 |
| Net charge-offs to loans | 0.0189% | 2,513 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 79.1000% | 829 |
| Efficiency ratio | 73.2770% | 1,806 |
| Assets per employee ($millions) | 3.7272% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,434 |
| Loan loss allowance to noncurrent loans | 178.8436% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 2,526 |
| Noncurrent loans to loans | 0.6987% | 2,362 |
| Net loans and leases to total assets | 80.1526% | 992 |
| Net loans and leases to deposits | 108.3738% | 339 |
| Net loans and leases to core deposits | 114.7717% | 759 |
| Total domestic deposits to total assets | 73.9594% | 5,047 |
| Equity capital to assets | 11.4139% | 2,256 |
| Core capital (leverage) ratio | 11.7203% | 1,896 |
| Tier 1 risk-based capital ratio | 13.6273% | 3,548 |
| Total risk-based capital ratio | 14.8331% | 3,485 |
| Memoranda: | ||
| Average total assets | $131,643,000 | 3,681 |
| Average earning assets | $120,917,670 | 3,689 |
| Average equity | $14,980,330 | 3,689 |
| Average total loans | $105,807,000 | 3,240 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 593 |
| Cost of funding earning assets | 0.9065% | 576 |
| Net interest margin | 4.1878% | 1,201 |
| Noninterest income to average assets | 0.5737% | 2,397 |
| Noninterest expense to average assets | 3.3105% | 1,329 |
| Loan and lease loss provision to assets | 0.0920% | 1,973 |
| Net operating income to assets | 1.0125% | 2,808 |
| Return on assets (ROA) | 1.0125% | 2,831 |
| Pretax return on assets | 1.0125% | 3,490 |
| Return on Equity (ROE) | 8.9111% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.9111% | 1,487 |
| Net charge-offs to loans | 0.0153% | 2,214 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 654 |
| Efficiency ratio | 74.9826% | 1,748 |
| Assets per employee ($millions) | 3.7328% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,333 |
| Loan loss allowance to noncurrent loans | 219.9013% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 2,917 |
| Noncurrent loans to loans | 0.5824% | 2,794 |
| Net loans and leases to total assets | 78.8776% | 1,102 |
| Net loans and leases to deposits | 101.8220% | 590 |
| Net loans and leases to core deposits | 106.9503% | 1,181 |
| Total domestic deposits to total assets | 77.4662% | 4,808 |
| Equity capital to assets | 11.4315% | 2,190 |
| Core capital (leverage) ratio | 11.4733% | 2,032 |
| Tier 1 risk-based capital ratio | 13.9164% | 3,420 |
| Total risk-based capital ratio | 15.1583% | 3,342 |
| Memoranda: | ||
| Average total assets | $130,375,000 | 3,744 |
| Average earning assets | $119,584,500 | 3,756 |
| Average equity | $14,813,000 | 3,735 |
| Average total loans | $104,256,000 | 3,282 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0711% | 565 |
| Cost of funding earning assets | 0.8611% | 458 |
| Net interest margin | 4.2099% | 1,170 |
| Noninterest income to average assets | 0.5696% | 2,606 |
| Noninterest expense to average assets | 3.0115% | 2,146 |
| Loan and lease loss provision to assets | 0.0085% | 4,097 |
| Net operating income to assets | 1.3939% | 1,034 |
| Return on assets (ROA) | 1.3939% | 1,053 |
| Pretax return on assets | 1.3939% | 2,013 |
| Return on Equity (ROE) | 12.4411% | 1,094 |
| Retained earnings to average equity (ytd only) | 2.9635% | 3,525 |
| Net charge-offs to loans | 0.0359% | 3,074 |
| Credit loss provision to net charge-offs | 30.5556% | 3,531 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 1,078 |
| Efficiency ratio | 68.2272% | 2,847 |
| Assets per employee ($millions) | 3.7172% | 4,408 |
| Cash dividends to net income (ytd only)* | 76.1799% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,431 |
| Loan loss allowance to noncurrent loans | 191.9473% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 2,741 |
| Noncurrent loans to loans | 0.6560% | 2,574 |
| Net loans and leases to total assets | 79.0242% | 1,116 |
| Net loans and leases to deposits | 103.7625% | 498 |
| Net loans and leases to core deposits | 108.4206% | 1,102 |
| Total domestic deposits to total assets | 76.1587% | 4,961 |
| Equity capital to assets | 11.2919% | 2,372 |
| Core capital (leverage) ratio | 11.3124% | 2,090 |
| Tier 1 risk-based capital ratio | 13.2868% | 3,747 |
| Total risk-based capital ratio | 14.4756% | 3,704 |
| Memoranda: | ||
| Average total assets | $129,203,200 | 3,761 |
| Average earning assets | $117,983,000 | 3,787 |
| Average equity | $14,476,200 | 3,780 |
| Average total loans | $100,409,800 | 3,341 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 581 |
| Cost of funding earning assets | 0.8516% | 450 |
| Net interest margin | 4.1729% | 1,219 |
| Noninterest income to average assets | 0.5758% | 2,602 |
| Noninterest expense to average assets | 2.9462% | 2,263 |
| Loan and lease loss provision to assets | 0.0114% | 3,915 |
| Net operating income to assets | 1.4276% | 1,030 |
| Return on assets (ROA) | 1.4276% | 1,054 |
| Pretax return on assets | 1.4276% | 2,025 |
| Return on Equity (ROE) | 12.7668% | 1,108 |
| Retained earnings to average equity (ytd only) | 3.7071% | 3,718 |
| Net charge-offs to loans | 0.0536% | 2,373 |
| Credit loss provision to net charge-offs | 27.5000% | 3,100 |
| Earnings coverage of net charge-offs (x) | 34.8012% | 1,428 |
| Efficiency ratio | 67.1853% | 3,017 |
| Assets per employee ($millions) | 3.9069% | 4,146 |
| Cash dividends to net income (ytd only)* | 70.9627% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,559 |
| Loan loss allowance to noncurrent loans | 186.1823% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 2,889 |
| Noncurrent loans to loans | 0.6787% | 2,673 |
| Net loans and leases to total assets | 79.2093% | 1,093 |
| Net loans and leases to deposits | 104.3957% | 482 |
| Net loans and leases to core deposits | 108.8372% | 1,103 |
| Total domestic deposits to total assets | 75.8741% | 5,032 |
| Equity capital to assets | 11.3637% | 2,501 |
| Core capital (leverage) ratio | 11.5279% | 1,997 |
| Tier 1 risk-based capital ratio | 13.2813% | 3,831 |
| Total risk-based capital ratio | 14.4683% | 3,785 |
| Memoranda: | ||
| Average total assets | $128,978,500 | 3,803 |
| Average earning assets | $117,742,000 | 3,827 |
| Average equity | $14,422,500 | 3,829 |
| Average total loans | $99,481,500 | 3,388 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 567 |
| Cost of funding earning assets | 0.8461% | 414 |
| Net interest margin | 4.1470% | 1,213 |
| Noninterest income to average assets | 0.5535% | 2,695 |
| Noninterest expense to average assets | 2.9505% | 2,267 |
| Loan and lease loss provision to assets | 0.0171% | 3,618 |
| Net operating income to assets | 1.3706% | 1,130 |
| Return on assets (ROA) | 1.3706% | 1,155 |
| Pretax return on assets | 1.3706% | 2,135 |
| Return on Equity (ROE) | 12.3237% | 1,203 |
| Retained earnings to average equity (ytd only) | 4.1265% | 3,253 |
| Net charge-offs to loans | 0.0611% | 2,047 |
| Credit loss provision to net charge-offs | 36.6667% | 2,669 |
| Earnings coverage of net charge-offs (x) | 29.8333% | 1,467 |
| Efficiency ratio | 68.0129% | 3,013 |
| Assets per employee ($millions) | 3.7674% | 4,326 |
| Cash dividends to net income (ytd only)* | 66.5158% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 2,290 |
| Loan loss allowance to noncurrent loans | 159.6364% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 2,521 |
| Noncurrent loans to loans | 0.8310% | 2,324 |
| Net loans and leases to total assets | 76.4732% | 1,470 |
| Net loans and leases to deposits | 100.7705% | 682 |
| Net loans and leases to core deposits | 105.0759% | 1,286 |
| Total domestic deposits to total assets | 75.8884% | 5,107 |
| Equity capital to assets | 11.3473% | 2,457 |
| Core capital (leverage) ratio | 11.3811% | 2,063 |
| Tier 1 risk-based capital ratio | 13.6440% | 3,618 |
| Total risk-based capital ratio | 14.8816% | 3,546 |
| Memoranda: | ||
| Average total assets | $128,995,330 | 3,824 |
| Average earning assets | $117,722,330 | 3,842 |
| Average equity | $14,346,330 | 3,844 |
| Average total loans | $98,165,330 | 3,426 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 484 |
| Cost of funding earning assets | 0.8548% | 370 |
| Net interest margin | 4.1893% | 1,013 |
| Noninterest income to average assets | 0.5377% | 2,721 |
| Noninterest expense to average assets | 2.9448% | 2,313 |
| Loan and lease loss provision to assets | 0.0340% | 3,106 |
| Net operating income to assets | 1.3751% | 1,046 |
| Return on assets (ROA) | 1.3751% | 1,081 |
| Pretax return on assets | 1.3751% | 1,972 |
| Return on Equity (ROE) | 12.4895% | 1,115 |
| Retained earnings to average equity (ytd only) | 3.8451% | 3,531 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6366% | 3,263 |
| Assets per employee ($millions) | 3.7941% | 4,356 |
| Cash dividends to net income (ytd only)* | 69.2135% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 2,052 |
| Loan loss allowance to noncurrent loans | 166.7079% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 2,752 |
| Noncurrent loans to loans | 0.8419% | 2,352 |
| Net loans and leases to total assets | 73.3498% | 1,847 |
| Net loans and leases to deposits | 96.2026% | 919 |
| Net loans and leases to core deposits | 100.2522% | 1,489 |
| Total domestic deposits to total assets | 76.2451% | 5,207 |
| Equity capital to assets | 11.1294% | 2,505 |
| Core capital (leverage) ratio | 11.0363% | 2,326 |
| Tier 1 risk-based capital ratio | 13.7583% | 3,627 |
| Total risk-based capital ratio | 15.0087% | 3,533 |
| Memoranda: | ||
| Average total assets | $129,447,000 | 3,849 |
| Average earning assets | $117,920,000 | 3,872 |
| Average equity | $14,252,000 | 3,882 |
| Average total loans | $97,611,500 | 3,458 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 646 |
| Cost of funding earning assets | 0.8629% | 360 |
| Net interest margin | 4.0969% | 1,386 |
| Noninterest income to average assets | 0.5163% | 3,123 |
| Noninterest expense to average assets | 2.8743% | 2,770 |
| Loan and lease loss provision to assets | 0.1295% | 1,922 |
| Net operating income to assets | 1.2553% | 1,343 |
| Return on assets (ROA) | 1.2984% | 1,289 |
| Pretax return on assets | 1.2984% | 2,293 |
| Return on Equity (ROE) | 12.0750% | 1,224 |
| Retained earnings to average equity (ytd only) | 3.9987% | 3,074 |
| Net charge-offs to loans | 0.0090% | 3,962 |
| Credit loss provision to net charge-offs | 1,866.6667% | 239 |
| Earnings coverage of net charge-offs (x) | 199.6667% | 341 |
| Efficiency ratio | 67.4869% | 3,348 |
| Assets per employee ($millions) | 3.7112% | 4,452 |
| Cash dividends to net income (ytd only)* | 66.8843% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 2,315 |
| Loan loss allowance to noncurrent loans | 168.8131% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 2,901 |
| Noncurrent loans to loans | 0.7980% | 2,518 |
| Net loans and leases to total assets | 75.3828% | 1,620 |
| Net loans and leases to deposits | 102.4494% | 505 |
| Net loans and leases to core deposits | 106.8811% | 1,073 |
| Total domestic deposits to total assets | 73.5806% | 5,469 |
| Equity capital to assets | 10.8913% | 2,723 |
| Core capital (leverage) ratio | 10.9396% | 2,393 |
| Tier 1 risk-based capital ratio | 13.2677% | 3,914 |
| Total risk-based capital ratio | 14.5149% | 3,833 |
| Memoranda: | ||
| Average total assets | $129,772,800 | 3,832 |
| Average earning assets | $118,553,600 | 3,855 |
| Average equity | $13,954,400 | 3,944 |
| Average total loans | $100,072,400 | 3,380 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 632 |
| Cost of funding earning assets | 0.8607% | 362 |
| Net interest margin | 4.1145% | 1,359 |
| Noninterest income to average assets | 0.4964% | 3,273 |
| Noninterest expense to average assets | 2.8959% | 2,653 |
| Loan and lease loss provision to assets | 0.1418% | 1,652 |
| Net operating income to assets | 1.2167% | 1,584 |
| Return on assets (ROA) | 1.2743% | 1,469 |
| Pretax return on assets | 1.2743% | 2,527 |
| Return on Equity (ROE) | 11.8888% | 1,364 |
| Retained earnings to average equity (ytd only) | 3.7009% | 3,671 |
| Net charge-offs to loans | 0.0319% | 3,010 |
| Credit loss provision to net charge-offs | 575.0000% | 635 |
| Earnings coverage of net charge-offs (x) | 55.0819% | 1,010 |
| Efficiency ratio | 68.0676% | 3,214 |
| Assets per employee ($millions) | 4.0550% | 3,866 |
| Cash dividends to net income (ytd only)* | 68.8712% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,618 |
| Loan loss allowance to noncurrent loans | 155.6627% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 2,886 |
| Noncurrent loans to loans | 0.8433% | 2,574 |
| Net loans and leases to total assets | 74.8567% | 1,730 |
| Net loans and leases to deposits | 101.9544% | 572 |
| Net loans and leases to core deposits | 106.6703% | 1,134 |
| Total domestic deposits to total assets | 73.4217% | 5,485 |
| Equity capital to assets | 10.8685% | 3,173 |
| Core capital (leverage) ratio | 10.8050% | 2,681 |
| Tier 1 risk-based capital ratio | 13.1906% | 4,040 |
| Total risk-based capital ratio | 14.4035% | 3,976 |
| Memoranda: | ||
| Average total assets | $129,742,750 | 3,859 |
| Average earning assets | $118,504,500 | 3,876 |
| Average equity | $13,906,250 | 3,986 |
| Average total loans | $100,277,000 | 3,389 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 555 |
| Cost of funding earning assets | 0.8543% | 368 |
| Net interest margin | 4.1738% | 1,174 |
| Noninterest income to average assets | 0.4702% | 3,407 |
| Noninterest expense to average assets | 2.8889% | 2,718 |
| Loan and lease loss provision to assets | 0.1665% | 1,349 |
| Net operating income to assets | 1.2333% | 1,492 |
| Return on assets (ROA) | 1.3196% | 1,314 |
| Pretax return on assets | 1.3196% | 2,330 |
| Return on Equity (ROE) | 12.3693% | 1,195 |
| Retained earnings to average equity (ytd only) | 4.4796% | 3,064 |
| Net charge-offs to loans | 0.0436% | 2,596 |
| Credit loss provision to net charge-offs | 490.9091% | 668 |
| Earnings coverage of net charge-offs (x) | 41.2727% | 1,137 |
| Efficiency ratio | 67.3616% | 3,471 |
| Assets per employee ($millions) | 3.7872% | 4,286 |
| Cash dividends to net income (ytd only)* | 63.7850% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,944 |
| Loan loss allowance to noncurrent loans | 142.6637% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 2,870 |
| Noncurrent loans to loans | 0.8914% | 2,505 |
| Net loans and leases to total assets | 74.0326% | 1,831 |
| Net loans and leases to deposits | 103.0182% | 512 |
| Net loans and leases to core deposits | 107.8244% | 1,043 |
| Total domestic deposits to total assets | 71.8637% | 5,676 |
| Equity capital to assets | 10.5491% | 3,579 |
| Core capital (leverage) ratio | 10.6206% | 2,829 |
| Tier 1 risk-based capital ratio | 12.9565% | 4,226 |
| Total risk-based capital ratio | 14.1284% | 4,185 |
| Memoranda: | ||
| Average total assets | $129,737,000 | 3,895 |
| Average earning assets | $118,693,330 | 3,898 |
| Average equity | $13,840,670 | 4,012 |
| Average total loans | $100,894,000 | 3,392 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1688% | 440 |
| Cost of funding earning assets | 0.8569% | 373 |
| Net interest margin | 4.3119% | 909 |
| Noninterest income to average assets | 0.4488% | 3,492 |
| Noninterest expense to average assets | 2.9549% | 2,528 |
| Loan and lease loss provision to assets | 0.2431% | 736 |
| Net operating income to assets | 1.2031% | 1,547 |
| Return on assets (ROA) | 1.2031% | 1,651 |
| Pretax return on assets | 1.2031% | 2,688 |
| Return on Equity (ROE) | 11.2132% | 1,530 |
| Retained earnings to average equity (ytd only) | 3.2826% | 3,851 |
| Net charge-offs to loans | 0.0708% | 1,772 |
| Credit loss provision to net charge-offs | 433.3333% | 667 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,285 |
| Efficiency ratio | 67.1388% | 3,605 |
| Assets per employee ($millions) | 3.8427% | 4,219 |
| Cash dividends to net income (ytd only)* | 70.7254% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 3,436 |
| Loan loss allowance to noncurrent loans | 64.5464% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 1,338 |
| Noncurrent loans to loans | 1.8705% | 1,182 |
| Net loans and leases to total assets | 77.5350% | 1,157 |
| Net loans and leases to deposits | 108.2044% | 276 |
| Net loans and leases to core deposits | 112.3270% | 738 |
| Total domestic deposits to total assets | 71.6560% | 5,798 |
| Equity capital to assets | 10.5693% | 3,401 |
| Core capital (leverage) ratio | 10.6958% | 2,733 |
| Tier 1 risk-based capital ratio | 12.4787% | 4,590 |
| Total risk-based capital ratio | 13.6000% | 4,589 |
| Memoranda: | ||
| Average total assets | $128,330,000 | 3,943 |
| Average earning assets | $117,628,000 | 3,949 |
| Average equity | $13,769,500 | 4,034 |
| Average total loans | $101,643,500 | 3,396 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 611 |
| Cost of funding earning assets | 0.7934% | 506 |
| Net interest margin | 4.2203% | 1,126 |
| Noninterest income to average assets | 0.5418% | 3,063 |
| Noninterest expense to average assets | 2.9678% | 2,655 |
| Loan and lease loss provision to assets | 0.0888% | 2,522 |
| Net operating income to assets | 1.3375% | 1,183 |
| Return on assets (ROA) | 1.3745% | 1,131 |
| Pretax return on assets | 1.3745% | 2,000 |
| Return on Equity (ROE) | 12.4653% | 1,192 |
| Retained earnings to average equity (ytd only) | 5.3157% | 2,197 |
| Net charge-offs to loans | 0.0011% | 4,439 |
| Credit loss provision to net charge-offs | 10,800.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 1,735.0000% | 23 |
| Efficiency ratio | 67.5398% | 3,654 |
| Assets per employee ($millions) | 3.7061% | 4,464 |
| Cash dividends to net income (ytd only)* | 57.3565% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,651 |
| Loan loss allowance to noncurrent loans | 115.2642% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 2,548 |
| Noncurrent loans to loans | 1.0144% | 2,313 |
| Net loans and leases to total assets | 79.0188% | 987 |
| Net loans and leases to deposits | 111.7283% | 207 |
| Net loans and leases to core deposits | 115.4408% | 616 |
| Total domestic deposits to total assets | 70.7241% | 5,862 |
| Equity capital to assets | 10.8961% | 2,939 |
| Core capital (leverage) ratio | 10.8582% | 2,550 |
| Tier 1 risk-based capital ratio | 12.9275% | 4,371 |
| Total risk-based capital ratio | 14.0419% | 4,353 |
| Memoranda: | ||
| Average total assets | $121,640,600 | 4,040 |
| Average earning assets | $111,036,000 | 4,052 |
| Average equity | $13,413,200 | 4,062 |
| Average total loans | $94,012,200 | 3,503 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 613 |
| Cost of funding earning assets | 0.7748% | 578 |
| Net interest margin | 4.2324% | 1,100 |
| Noninterest income to average assets | 0.5353% | 3,133 |
| Noninterest expense to average assets | 3.0360% | 2,407 |
| Loan and lease loss provision to assets | 0.0752% | 2,676 |
| Net operating income to assets | 1.2786% | 1,397 |
| Return on assets (ROA) | 1.3283% | 1,323 |
| Pretax return on assets | 1.3283% | 2,289 |
| Return on Equity (ROE) | 12.0091% | 1,371 |
| Retained earnings to average equity (ytd only) | 4.8697% | 3,010 |
| Net charge-offs to loans | -0.0217% | 5,230 |
| Credit loss provision to net charge-offs | -453.3333% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1610% | 3,342 |
| Assets per employee ($millions) | 3.8157% | 4,236 |
| Cash dividends to net income (ytd only)* | 59.4508% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 3,757 |
| Loan loss allowance to noncurrent loans | 107.9514% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 2,657 |
| Noncurrent loans to loans | 1.0947% | 2,295 |
| Net loans and leases to total assets | 76.6318% | 1,301 |
| Net loans and leases to deposits | 108.4409% | 292 |
| Net loans and leases to core deposits | 111.3954% | 796 |
| Total domestic deposits to total assets | 70.6669% | 5,943 |
| Equity capital to assets | 10.7426% | 3,315 |
| Core capital (leverage) ratio | 11.1537% | 2,346 |
| Tier 1 risk-based capital ratio | 12.2771% | 4,902 |
| Total risk-based capital ratio | 13.3313% | 4,944 |
| Memoranda: | ||
| Average total assets | $120,548,750 | 4,109 |
| Average earning assets | $109,786,000 | 4,119 |
| Average equity | $13,334,000 | 4,115 |
| Average total loans | $92,328,250 | 3,569 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 540 |
| Cost of funding earning assets | 0.7846% | 544 |
| Net interest margin | 4.2837% | 954 |
| Noninterest income to average assets | 0.5507% | 3,037 |
| Noninterest expense to average assets | 3.0920% | 2,266 |
| Loan and lease loss provision to assets | 0.0758% | 2,601 |
| Net operating income to assets | 1.2816% | 1,374 |
| Return on assets (ROA) | 1.3574% | 1,220 |
| Pretax return on assets | 1.3574% | 2,156 |
| Return on Equity (ROE) | 12.1480% | 1,330 |
| Retained earnings to average equity (ytd only) | 5.0793% | 2,811 |
| Net charge-offs to loans | -0.0265% | 5,275 |
| Credit loss provision to net charge-offs | -375.0000% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4928% | 3,417 |
| Assets per employee ($millions) | 3.5775% | 4,662 |
| Cash dividends to net income (ytd only)* | 58.1886% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 3,655 |
| Loan loss allowance to noncurrent loans | 108.4615% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.8809% | 2,784 |
| Noncurrent loans to loans | 1.1273% | 2,395 |
| Net loans and leases to total assets | 77.1864% | 1,182 |
| Net loans and leases to deposits | 105.4920% | 391 |
| Net loans and leases to core deposits | 109.0039% | 894 |
| Total domestic deposits to total assets | 73.1680% | 5,855 |
| Equity capital to assets | 11.3166% | 2,562 |
| Core capital (leverage) ratio | 11.2110% | 2,235 |
| Tier 1 risk-based capital ratio | 12.4423% | 4,844 |
| Total risk-based capital ratio | 13.4984% | 4,873 |
| Memoranda: | ||
| Average total assets | $118,758,670 | 4,178 |
| Average earning assets | $108,084,670 | 4,184 |
| Average equity | $13,269,670 | 4,153 |
| Average total loans | $90,555,000 | 3,620 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 521 |
| Cost of funding earning assets | 0.7692% | 590 |
| Net interest margin | 4.2877% | 901 |
| Noninterest income to average assets | 0.5004% | 3,286 |
| Noninterest expense to average assets | 3.0560% | 2,414 |
| Loan and lease loss provision to assets | 0.0772% | 2,411 |
| Net operating income to assets | 1.2795% | 1,340 |
| Return on assets (ROA) | 1.3332% | 1,248 |
| Pretax return on assets | 1.3332% | 2,138 |
| Return on Equity (ROE) | 12.0080% | 1,348 |
| Retained earnings to average equity (ytd only) | 5.2327% | 2,931 |
| Net charge-offs to loans | -0.0357% | 5,346 |
| Credit loss provision to net charge-offs | -287.5000% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2542% | 3,615 |
| Assets per employee ($millions) | 3.4078% | 5,068 |
| Cash dividends to net income (ytd only)* | 56.4232% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 3,891 |
| Loan loss allowance to noncurrent loans | 117.8610% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.8225% | 3,040 |
| Noncurrent loans to loans | 1.0298% | 2,708 |
| Net loans and leases to total assets | 75.1956% | 1,325 |
| Net loans and leases to deposits | 102.2470% | 446 |
| Net loans and leases to core deposits | 105.3938% | 980 |
| Total domestic deposits to total assets | 73.5430% | 5,938 |
| Equity capital to assets | 11.1668% | 2,792 |
| Core capital (leverage) ratio | 11.0563% | 2,358 |
| Tier 1 risk-based capital ratio | 14.4117% | 3,767 |
| Total risk-based capital ratio | 15.6217% | 3,710 |
| Memoranda: | ||
| Average total assets | $119,109,500 | 4,197 |
| Average earning assets | $108,682,000 | 4,201 |
| Average equity | $13,224,500 | 4,199 |
| Average total loans | $89,706,500 | 3,652 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 628 |
| Cost of funding earning assets | 0.9430% | 304 |
| Net interest margin | 4.1592% | 1,408 |
| Noninterest income to average assets | 1.5308% | 526 |
| Noninterest expense to average assets | 3.0130% | 2,803 |
| Loan and lease loss provision to assets | 0.0477% | 3,616 |
| Net operating income to assets | 2.2260% | 213 |
| Return on assets (ROA) | 2.2260% | 216 |
| Pretax return on assets | 2.2260% | 302 |
| Return on Equity (ROE) | 20.5587% | 219 |
| Retained earnings to average equity (ytd only) | 14.2769% | 161 |
| Net charge-offs to loans | -0.0024% | 5,389 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9925% | 5,571 |
| Assets per employee ($millions) | 3.7171% | 4,494 |
| Cash dividends to net income (ytd only)* | 30.5556% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 3,945 |
| Loan loss allowance to noncurrent loans | 98.4375% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 2,848 |
| Noncurrent loans to loans | 1.2277% | 2,397 |
| Net loans and leases to total assets | 73.6065% | 1,654 |
| Net loans and leases to deposits | 95.5245% | 939 |
| Net loans and leases to core deposits | 104.2410% | 1,113 |
| Total domestic deposits to total assets | 77.0551% | 5,593 |
| Equity capital to assets | 11.0386% | 2,857 |
| Core capital (leverage) ratio | 10.8818% | 2,517 |
| Tier 1 risk-based capital ratio | 14.3474% | 3,865 |
| Total risk-based capital ratio | 15.5338% | 3,836 |
| Memoranda: | ||
| Average total assets | $113,209,600 | 4,319 |
| Average earning assets | $102,232,200 | 4,347 |
| Average equity | $12,257,600 | 4,314 |
| Average total loans | $82,896,000 | 3,798 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 654 |
| Cost of funding earning assets | 0.9662% | 284 |
| Net interest margin | 4.1273% | 1,493 |
| Noninterest income to average assets | 1.8680% | 388 |
| Noninterest expense to average assets | 3.0596% | 2,596 |
| Loan and lease loss provision to assets | 0.0477% | 3,423 |
| Net operating income to assets | 2.4751% | 152 |
| Return on assets (ROA) | 2.4751% | 155 |
| Pretax return on assets | 2.4751% | 221 |
| Return on Equity (ROE) | 22.9794% | 155 |
| Retained earnings to average equity (ytd only) | 16.8552% | 145 |
| Net charge-offs to loans | 0.0115% | 4,336 |
| Credit loss provision to net charge-offs | 571.4286% | 511 |
| Earnings coverage of net charge-offs (x) | 302.2433% | 231 |
| Efficiency ratio | 54.8077% | 5,751 |
| Assets per employee ($millions) | 3.5592% | 4,753 |
| Cash dividends to net income (ytd only)* | 26.6504% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 3,953 |
| Loan loss allowance to noncurrent loans | 83.9744% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 2,785 |
| Noncurrent loans to loans | 1.4884% | 2,181 |
| Net loans and leases to total assets | 70.4974% | 2,113 |
| Net loans and leases to deposits | 91.7952% | 1,248 |
| Net loans and leases to core deposits | 100.0085% | 1,365 |
| Total domestic deposits to total assets | 76.7986% | 5,707 |
| Equity capital to assets | 10.9609% | 2,994 |
| Core capital (leverage) ratio | 10.7213% | 2,796 |
| Tier 1 risk-based capital ratio | 14.8285% | 3,691 |
| Total risk-based capital ratio | 16.0498% | 3,640 |
| Memoranda: | ||
| Average total assets | $111,775,500 | 4,383 |
| Average earning assets | $100,597,000 | 4,420 |
| Average equity | $12,039,500 | 4,377 |
| Average total loans | $81,464,250 | 3,861 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 638 |
| Cost of funding earning assets | 0.9376% | 337 |
| Net interest margin | 4.1461% | 1,394 |
| Noninterest income to average assets | 2.5336% | 235 |
| Noninterest expense to average assets | 3.0978% | 2,508 |
| Loan and lease loss provision to assets | 0.0382% | 3,533 |
| Net operating income to assets | 3.1161% | 89 |
| Return on assets (ROA) | 3.1161% | 91 |
| Pretax return on assets | 3.1161% | 107 |
| Return on Equity (ROE) | 29.1124% | 65 |
| Retained earnings to average equity (ytd only) | 23.0416% | 56 |
| Net charge-offs to loans | 0.0025% | 4,303 |
| Credit loss provision to net charge-offs | 2,100.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 1,733.0000% | 23 |
| Efficiency ratio | 49.5488% | 6,195 |
| Assets per employee ($millions) | 3.4655% | 4,912 |
| Cash dividends to net income (ytd only)* | 20.8528% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,359 |
| Loan loss allowance to noncurrent loans | 88.3106% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 2,699 |
| Noncurrent loans to loans | 1.3752% | 2,513 |
| Net loans and leases to total assets | 73.6201% | 1,489 |
| Net loans and leases to deposits | 95.3023% | 858 |
| Net loans and leases to core deposits | 104.0294% | 1,011 |
| Total domestic deposits to total assets | 77.2490% | 5,770 |
| Equity capital to assets | 11.1219% | 2,766 |
| Core capital (leverage) ratio | 11.1771% | 2,269 |
| Tier 1 risk-based capital ratio | 14.2593% | 4,094 |
| Total risk-based capital ratio | 15.4346% | 4,071 |
| Memoranda: | ||
| Average total assets | $109,882,670 | 4,447 |
| Average earning assets | $98,551,330 | 4,509 |
| Average equity | $11,761,330 | 4,443 |
| Average total loans | $80,669,000 | 3,891 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 628 |
| Cost of funding earning assets | 0.9379% | 368 |
| Net interest margin | 4.1292% | 1,392 |
| Noninterest income to average assets | 0.6429% | 2,500 |
| Noninterest expense to average assets | 3.0731% | 2,609 |
| Loan and lease loss provision to assets | 0.0409% | 3,268 |
| Net operating income to assets | 1.2263% | 1,409 |
| Return on assets (ROA) | 1.2263% | 1,463 |
| Pretax return on assets | 1.2263% | 2,366 |
| Return on Equity (ROE) | 11.6995% | 1,493 |
| Retained earnings to average equity (ytd only) | 5.2471% | 2,964 |
| Net charge-offs to loans | 0.0204% | 3,172 |
| Credit loss provision to net charge-offs | 275.0000% | 844 |
| Earnings coverage of net charge-offs (x) | 85.2500% | 516 |
| Efficiency ratio | 70.8048% | 3,683 |
| Assets per employee ($millions) | 3.1519% | 5,595 |
| Cash dividends to net income (ytd only)* | 55.1515% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 4,275 |
| Loan loss allowance to noncurrent loans | 87.2758% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2319% | 2,794 |
| Noncurrent loans to loans | 1.4563% | 2,606 |
| Net loans and leases to total assets | 71.9651% | 1,582 |
| Net loans and leases to deposits | 90.4244% | 1,101 |
| Net loans and leases to core deposits | 99.0654% | 1,168 |
| Total domestic deposits to total assets | 79.5859% | 5,573 |
| Equity capital to assets | 10.3131% | 3,447 |
| Core capital (leverage) ratio | 10.5343% | 2,886 |
| Tier 1 risk-based capital ratio | 13.6814% | 4,551 |
| Total risk-based capital ratio | 14.8930% | 4,536 |
| Memoranda: | ||
| Average total assets | $107,644,000 | 4,540 |
| Average earning assets | $96,387,500 | 4,611 |
| Average equity | $11,282,500 | 4,550 |
| Average total loans | $78,390,000 | 3,987 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 510 |
| Cost of funding earning assets | 1.0058% | 428 |
| Net interest margin | 4.3084% | 1,087 |
| Noninterest income to average assets | 0.7110% | 2,479 |
| Noninterest expense to average assets | 3.1505% | 2,589 |
| Loan and lease loss provision to assets | 0.0396% | 4,327 |
| Net operating income to assets | 1.3786% | 1,072 |
| Return on assets (ROA) | 1.5729% | 753 |
| Pretax return on assets | 1.5729% | 1,237 |
| Return on Equity (ROE) | 15.3351% | 709 |
| Retained earnings to average equity (ytd only) | 8.5777% | 881 |
| Net charge-offs to loans | 0.0943% | 3,901 |
| Credit loss provision to net charge-offs | 59.1549% | 3,593 |
| Earnings coverage of net charge-offs (x) | 21.1831% | 1,505 |
| Efficiency ratio | 68.9577% | 4,028 |
| Assets per employee ($millions) | 3.3862% | 5,124 |
| Cash dividends to net income (ytd only)* | 44.0647% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 3,985 |
| Loan loss allowance to noncurrent loans | 84.5833% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 2,805 |
| Noncurrent loans to loans | 1.5713% | 2,541 |
| Net loans and leases to total assets | 71.7849% | 1,717 |
| Net loans and leases to deposits | 87.9328% | 1,473 |
| Net loans and leases to core deposits | 95.3329% | 1,502 |
| Total domestic deposits to total assets | 81.6361% | 4,995 |
| Equity capital to assets | 10.6581% | 2,972 |
| Core capital (leverage) ratio | 10.6436% | 2,736 |
| Tier 1 risk-based capital ratio | 13.9450% | 4,331 |
| Total risk-based capital ratio | 15.1338% | 4,316 |
| Memoranda: | ||
| Average total assets | $106,047,600 | 4,589 |
| Average earning assets | $94,953,800 | 4,651 |
| Average equity | $10,877,000 | 4,662 |
| Average total loans | $75,316,000 | 4,086 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3886% | 453 |
| Cost of funding earning assets | 1.0410% | 403 |
| Net interest margin | 4.3476% | 994 |
| Noninterest income to average assets | 0.7387% | 2,420 |
| Noninterest expense to average assets | 3.1553% | 2,488 |
| Loan and lease loss provision to assets | 0.0401% | 4,207 |
| Net operating income to assets | 1.4347% | 1,016 |
| Return on assets (ROA) | 1.6893% | 665 |
| Pretax return on assets | 1.6893% | 1,122 |
| Return on Equity (ROE) | 16.6304% | 573 |
| Retained earnings to average equity (ytd only) | 10.3215% | 725 |
| Net charge-offs to loans | 0.1528% | 3,017 |
| Credit loss provision to net charge-offs | 37.2093% | 3,762 |
| Earnings coverage of net charge-offs (x) | 13.6749% | 2,008 |
| Efficiency ratio | 68.1473% | 4,070 |
| Assets per employee ($millions) | 3.2927% | 5,295 |
| Cash dividends to net income (ytd only)* | 37.9363% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 4,413 |
| Loan loss allowance to noncurrent loans | 94.2857% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 3,342 |
| Noncurrent loans to loans | 1.3746% | 3,118 |
| Net loans and leases to total assets | 71.5582% | 1,670 |
| Net loans and leases to deposits | 87.7415% | 1,397 |
| Net loans and leases to core deposits | 95.0986% | 1,462 |
| Total domestic deposits to total assets | 81.5557% | 5,063 |
| Equity capital to assets | 10.5224% | 3,250 |
| Core capital (leverage) ratio | 10.4586% | 3,049 |
| Tier 1 risk-based capital ratio | 13.6876% | 4,637 |
| Total risk-based capital ratio | 14.8647% | 4,639 |
| Memoranda: | ||
| Average total assets | $106,316,500 | 4,632 |
| Average earning assets | $95,161,000 | 4,686 |
| Average equity | $10,799,250 | 4,732 |
| Average total loans | $75,052,750 | 4,116 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3346% | 492 |
| Cost of funding earning assets | 1.0678% | 391 |
| Net interest margin | 4.2669% | 1,098 |
| Noninterest income to average assets | 0.6021% | 3,179 |
| Noninterest expense to average assets | 3.1754% | 2,427 |
| Loan and lease loss provision to assets | 0.0394% | 4,161 |
| Net operating income to assets | 1.2023% | 1,590 |
| Return on assets (ROA) | 1.5830% | 840 |
| Pretax return on assets | 1.5830% | 1,415 |
| Return on Equity (ROE) | 15.7708% | 695 |
| Retained earnings to average equity (ytd only) | 10.0156% | 838 |
| Net charge-offs to loans | 0.2600% | 2,167 |
| Credit loss provision to net charge-offs | 21.6495% | 3,703 |
| Earnings coverage of net charge-offs (x) | 6.8247% | 2,644 |
| Efficiency ratio | 71.8896% | 3,493 |
| Assets per employee ($millions) | 3.3840% | 5,106 |
| Cash dividends to net income (ytd only)* | 36.4929% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 4,627 |
| Loan loss allowance to noncurrent loans | 86.8280% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2854% | 3,196 |
| Noncurrent loans to loans | 1.4672% | 3,108 |
| Net loans and leases to total assets | 69.3468% | 2,009 |
| Net loans and leases to deposits | 84.2486% | 1,769 |
| Net loans and leases to core deposits | 91.0342% | 1,807 |
| Total domestic deposits to total assets | 82.3121% | 4,942 |
| Equity capital to assets | 10.0500% | 3,853 |
| Core capital (leverage) ratio | 10.2198% | 3,200 |
| Tier 1 risk-based capital ratio | 13.3906% | 4,846 |
| Total risk-based capital ratio | 14.5679% | 4,848 |
| Memoranda: | ||
| Average total assets | $106,633,330 | 4,651 |
| Average earning assets | $95,339,330 | 4,710 |
| Average equity | $10,703,330 | 4,792 |
| Average total loans | $74,607,670 | 4,156 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 507 |
| Cost of funding earning assets | 1.1240% | 328 |
| Net interest margin | 4.1869% | 1,225 |
| Noninterest income to average assets | 0.6124% | 3,067 |
| Noninterest expense to average assets | 3.3533% | 1,947 |
| Loan and lease loss provision to assets | 0.0416% | 3,908 |
| Net operating income to assets | 1.0056% | 2,198 |
| Return on assets (ROA) | 1.2740% | 1,443 |
| Pretax return on assets | 1.2740% | 2,317 |
| Return on Equity (ROE) | 12.7008% | 1,243 |
| Retained earnings to average equity (ytd only) | 6.8969% | 2,205 |
| Net charge-offs to loans | 0.0054% | 4,056 |
| Credit loss provision to net charge-offs | 1,100.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 277.0000% | 134 |
| Efficiency ratio | 76.2027% | 2,892 |
| Assets per employee ($millions) | 3.4298% | 5,137 |
| Cash dividends to net income (ytd only)* | 45.6973% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,122 |
| Loan loss allowance to noncurrent loans | 79.9848% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 3,001 |
| Noncurrent loans to loans | 1.7779% | 2,896 |
| Net loans and leases to total assets | 68.7834% | 1,876 |
| Net loans and leases to deposits | 85.5208% | 1,418 |
| Net loans and leases to core deposits | 92.4284% | 1,462 |
| Total domestic deposits to total assets | 80.4289% | 5,661 |
| Equity capital to assets | 10.0635% | 4,060 |
| Core capital (leverage) ratio | 9.8788% | 3,558 |
| Tier 1 risk-based capital ratio | 13.1069% | 5,142 |
| Total risk-based capital ratio | 14.2694% | 5,151 |
| Memoranda: | ||
| Average total assets | $105,805,500 | 4,726 |
| Average earning assets | $95,728,000 | 4,747 |
| Average equity | $10,613,500 | 4,856 |
| Average total loans | $73,879,500 | 4,206 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 991 |
| Cost of funding earning assets | 1.3617% | 290 |
| Net interest margin | 3.9041% | 2,810 |
| Noninterest income to average assets | 0.4760% | 4,058 |
| Noninterest expense to average assets | 3.3130% | 2,295 |
| Loan and lease loss provision to assets | 0.0073% | 5,831 |
| Net operating income to assets | 0.5980% | 4,249 |
| Return on assets (ROA) | 0.8594% | 3,246 |
| Pretax return on assets | 0.8594% | 4,070 |
| Return on Equity (ROE) | 9.2315% | 2,525 |
| Retained earnings to average equity (ytd only) | 3.6158% | 3,664 |
| Net charge-offs to loans | 0.0823% | 4,855 |
| Credit loss provision to net charge-offs | 13.5593% | 5,360 |
| Earnings coverage of net charge-offs (x) | 11.1864% | 2,058 |
| Efficiency ratio | 84.3633% | 1,582 |
| Assets per employee ($millions) | 3.1905% | 5,646 |
| Cash dividends to net income (ytd only)* | 60.8324% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 4,067 |
| Loan loss allowance to noncurrent loans | 59.9197% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.9271% | 2,538 |
| Noncurrent loans to loans | 2.3705% | 2,264 |
| Net loans and leases to total assets | 68.8838% | 2,054 |
| Net loans and leases to deposits | 85.6177% | 1,559 |
| Net loans and leases to core deposits | 92.3050% | 1,611 |
| Total domestic deposits to total assets | 80.4551% | 5,554 |
| Equity capital to assets | 9.9985% | 4,164 |
| Core capital (leverage) ratio | 9.4960% | 4,107 |
| Tier 1 risk-based capital ratio | 13.2109% | 4,957 |
| Total risk-based capital ratio | 14.3945% | 4,949 |
| Memoranda: | ||
| Average total assets | $109,025,800 | 4,614 |
| Average earning assets | $96,129,200 | 4,686 |
| Average equity | $10,150,000 | 4,950 |
| Average total loans | $71,682,800 | 4,294 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2058% | 1,178 |
| Cost of funding earning assets | 1.4038% | 290 |
| Net interest margin | 3.8020% | 3,327 |
| Noninterest income to average assets | 0.5093% | 3,858 |
| Noninterest expense to average assets | 3.3538% | 2,119 |
| Loan and lease loss provision to assets | 0.0097% | 5,687 |
| Net operating income to assets | 0.4789% | 4,918 |
| Return on assets (ROA) | 0.8039% | 3,677 |
| Pretax return on assets | 0.8039% | 4,468 |
| Return on Equity (ROE) | 8.7908% | 2,903 |
| Retained earnings to average equity (ytd only) | 3.2219% | 4,599 |
| Net charge-offs to loans | 0.1123% | 4,262 |
| Credit loss provision to net charge-offs | 13.3333% | 5,037 |
| Earnings coverage of net charge-offs (x) | 6.7165% | 2,731 |
| Efficiency ratio | 87.0306% | 1,302 |
| Assets per employee ($millions) | 3.4118% | 5,179 |
| Cash dividends to net income (ytd only)* | 63.3487% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 4,277 |
| Loan loss allowance to noncurrent loans | 57.8073% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 3,073 |
| Noncurrent loans to loans | 2.4601% | 2,342 |
| Net loans and leases to total assets | 66.2847% | 2,602 |
| Net loans and leases to deposits | 84.5097% | 1,804 |
| Net loans and leases to core deposits | 91.0302% | 1,869 |
| Total domestic deposits to total assets | 78.4345% | 5,982 |
| Equity capital to assets | 9.4716% | 5,240 |
| Core capital (leverage) ratio | 9.2574% | 4,667 |
| Tier 1 risk-based capital ratio | 13.1583% | 5,123 |
| Total risk-based capital ratio | 14.3489% | 5,133 |
| Memoranda: | ||
| Average total assets | $109,960,750 | 4,639 |
| Average earning assets | $96,402,750 | 4,726 |
| Average equity | $10,055,750 | 5,014 |
| Average total loans | $71,211,000 | 4,354 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 1,133 |
| Cost of funding earning assets | 1.4464% | 289 |
| Net interest margin | 3.8099% | 3,315 |
| Noninterest income to average assets | 0.4663% | 4,158 |
| Noninterest expense to average assets | 3.5401% | 1,698 |
| Loan and lease loss provision to assets | 0.0145% | 5,479 |
| Net operating income to assets | 0.2286% | 5,834 |
| Return on assets (ROA) | 0.7149% | 4,053 |
| Pretax return on assets | 0.7149% | 4,784 |
| Return on Equity (ROE) | 7.9111% | 3,295 |
| Retained earnings to average equity (ytd only) | 2.2890% | 5,047 |
| Net charge-offs to loans | 0.1703% | 3,581 |
| Credit loss provision to net charge-offs | 13.3333% | 4,699 |
| Earnings coverage of net charge-offs (x) | 2.2333% | 3,873 |
| Efficiency ratio | 93.1894% | 850 |
| Assets per employee ($millions) | 3.6830% | 4,555 |
| Cash dividends to net income (ytd only)* | 71.0660% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 4,046 |
| Loan loss allowance to noncurrent loans | 50.9268% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 2,939 |
| Noncurrent loans to loans | 2.9300% | 2,043 |
| Net loans and leases to total assets | 62.3785% | 3,358 |
| Net loans and leases to deposits | 79.1207% | 2,508 |
| Net loans and leases to core deposits | 85.1099% | 2,543 |
| Total domestic deposits to total assets | 78.8397% | 5,987 |
| Equity capital to assets | 9.2660% | 5,369 |
| Core capital (leverage) ratio | 9.0617% | 4,820 |
| Tier 1 risk-based capital ratio | 13.6704% | 4,697 |
| Total risk-based capital ratio | 14.8646% | 4,700 |
| Memoranda: | ||
| Average total assets | $110,221,330 | 4,663 |
| Average earning assets | $95,961,000 | 4,768 |
| Average equity | $9,960,670 | 5,041 |
| Average total loans | $70,477,000 | 4,405 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 1,135 |
| Cost of funding earning assets | 1.4974% | 293 |
| Net interest margin | 3.7857% | 3,457 |
| Noninterest income to average assets | 0.5087% | 3,857 |
| Noninterest expense to average assets | 2.9904% | 3,288 |
| Loan and lease loss provision to assets | 0.0291% | 5,000 |
| Net operating income to assets | 0.7412% | 3,671 |
| Return on assets (ROA) | 1.4389% | 1,279 |
| Pretax return on assets | 1.4389% | 2,060 |
| Return on Equity (ROE) | 16.1271% | 787 |
| Retained earnings to average equity (ytd only) | 10.4256% | 1,173 |
| Net charge-offs to loans | -0.0113% | 5,982 |
| Credit loss provision to net charge-offs | -400.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7440% | 2,394 |
| Assets per employee ($millions) | 3.3645% | 5,424 |
| Cash dividends to net income (ytd only)* | 35.3535% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,820 |
| Loan loss allowance to noncurrent loans | 45.8765% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 2.1859% | 2,702 |
| Noncurrent loans to loans | 3.4375% | 1,819 |
| Net loans and leases to total assets | 62.2255% | 3,215 |
| Net loans and leases to deposits | 78.5290% | 2,413 |
| Net loans and leases to core deposits | 84.4062% | 2,497 |
| Total domestic deposits to total assets | 79.2389% | 6,026 |
| Equity capital to assets | 8.9291% | 5,596 |
| Core capital (leverage) ratio | 9.1287% | 4,642 |
| Tier 1 risk-based capital ratio | 13.6015% | 4,750 |
| Total risk-based capital ratio | 14.7758% | 4,797 |
| Memoranda: | ||
| Average total assets | $110,087,000 | 4,710 |
| Average earning assets | $94,567,000 | 4,832 |
| Average equity | $9,822,000 | 5,084 |
| Average total loans | $70,732,500 | 4,424 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4799% | 1,211 |
| Cost of funding earning assets | 1.6428% | 404 |
| Net interest margin | 3.8371% | 3,637 |
| Noninterest income to average assets | 0.4029% | 4,589 |
| Noninterest expense to average assets | 2.8145% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9270% | 2,496 |
| Return on assets (ROA) | 0.9270% | 2,618 |
| Pretax return on assets | 0.9270% | 3,526 |
| Return on Equity (ROE) | 11.0202% | 1,693 |
| Retained earnings to average equity (ytd only) | 6.9092% | 1,545 |
| Net charge-offs to loans | 0.1287% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.7789% | 1,795 |
| Efficiency ratio | 74.5947% | 3,127 |
| Assets per employee ($millions) | 3.3074% | 5,499 |
| Cash dividends to net income (ytd only)* | 37.3047% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,829 |
| Loan loss allowance to noncurrent loans | 66.4044% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 3,661 |
| Noncurrent loans to loans | 2.3180% | 2,840 |
| Net loans and leases to total assets | 64.2930% | 3,123 |
| Net loans and leases to deposits | 81.2599% | 2,315 |
| Net loans and leases to core deposits | 88.4402% | 2,328 |
| Total domestic deposits to total assets | 79.1202% | 5,966 |
| Equity capital to assets | 8.9148% | 5,662 |
| Core capital (leverage) ratio | 9.1077% | 4,604 |
| Tier 1 risk-based capital ratio | 13.4873% | 4,701 |
| Total risk-based capital ratio | 14.7019% | 4,698 |
| Memoranda: | ||
| Average total assets | $110,462,200 | 4,631 |
| Average earning assets | $96,115,200 | 4,743 |
| Average equity | $9,292,000 | 5,208 |
| Average total loans | $73,813,600 | 4,353 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4677% | 1,345 |
| Cost of funding earning assets | 1.6654% | 447 |
| Net interest margin | 3.8023% | 3,873 |
| Noninterest income to average assets | 0.4116% | 4,574 |
| Noninterest expense to average assets | 2.8425% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8881% | 2,786 |
| Return on assets (ROA) | 0.8881% | 2,942 |
| Pretax return on assets | 0.8881% | 3,814 |
| Return on Equity (ROE) | 10.7158% | 1,954 |
| Retained earnings to average equity (ytd only) | 7.2020% | 1,865 |
| Net charge-offs to loans | 0.1289% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.2498% | 1,949 |
| Efficiency ratio | 75.5484% | 2,911 |
| Assets per employee ($millions) | 3.3445% | 5,376 |
| Cash dividends to net income (ytd only)* | 32.7913% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,834 |
| Loan loss allowance to noncurrent loans | 69.6517% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.5040% | 3,860 |
| Noncurrent loans to loans | 2.2438% | 3,058 |
| Net loans and leases to total assets | 63.9165% | 3,324 |
| Net loans and leases to deposits | 80.5122% | 2,590 |
| Net loans and leases to core deposits | 87.5051% | 2,562 |
| Total domestic deposits to total assets | 79.3873% | 5,890 |
| Equity capital to assets | 8.6972% | 6,092 |
| Core capital (leverage) ratio | 8.9445% | 5,021 |
| Tier 1 risk-based capital ratio | 13.2200% | 4,934 |
| Total risk-based capital ratio | 14.4360% | 4,938 |
| Memoranda: | ||
| Average total assets | $110,791,750 | 4,648 |
| Average earning assets | $96,710,250 | 4,749 |
| Average equity | $9,182,500 | 5,263 |
| Average total loans | $74,449,750 | 4,368 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 1,277 |
| Cost of funding earning assets | 1.7001% | 465 |
| Net interest margin | 3.8107% | 3,728 |
| Noninterest income to average assets | 0.4904% | 3,943 |
| Noninterest expense to average assets | 2.7602% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0601% | 2,004 |
| Return on assets (ROA) | 1.0601% | 2,099 |
| Pretax return on assets | 1.0601% | 3,010 |
| Return on Equity (ROE) | 13.0036% | 1,196 |
| Retained earnings to average equity (ytd only) | 10.7478% | 715 |
| Net charge-offs to loans | 0.0557% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 975 |
| Efficiency ratio | 71.6376% | 3,811 |
| Assets per employee ($millions) | 3.3903% | 5,225 |
| Cash dividends to net income (ytd only)* | 17.3469% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,644 |
| Loan loss allowance to noncurrent loans | 63.0587% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.7348% | 3,602 |
| Noncurrent loans to loans | 2.5580% | 2,821 |
| Net loans and leases to total assets | 65.8368% | 3,066 |
| Net loans and leases to deposits | 83.1529% | 2,243 |
| Net loans and leases to core deposits | 90.3062% | 2,334 |
| Total domestic deposits to total assets | 79.1756% | 6,039 |
| Equity capital to assets | 8.7033% | 5,942 |
| Core capital (leverage) ratio | 8.9849% | 4,749 |
| Tier 1 risk-based capital ratio | 13.1490% | 4,805 |
| Total risk-based capital ratio | 14.3753% | 4,797 |
| Memoranda: | ||
| Average total assets | $110,932,670 | 4,680 |
| Average earning assets | $96,937,330 | 4,785 |
| Average equity | $9,043,670 | 5,312 |
| Average total loans | $75,378,330 | 4,371 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1783% | 2,311 |
| Cost of funding earning assets | 1.7220% | 507 |
| Net interest margin | 3.4563% | 5,194 |
| Noninterest income to average assets | 0.5813% | 3,299 |
| Noninterest expense to average assets | 2.7890% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8274% | 2,894 |
| Return on assets (ROA) | 0.8274% | 2,956 |
| Pretax return on assets | 0.8274% | 3,800 |
| Return on Equity (ROE) | 10.4924% | 1,914 |
| Retained earnings to average equity (ytd only) | 10.4924% | 995 |
| Net charge-offs to loans | -0.0104% | 6,376 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4300% | 3,083 |
| Assets per employee ($millions) | 3.4249% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,905 |
| Loan loss allowance to noncurrent loans | 41.6028% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.6187% | 2,621 |
| Noncurrent loans to loans | 3.7563% | 1,964 |
| Net loans and leases to total assets | 68.6244% | 2,420 |
| Net loans and leases to deposits | 85.9938% | 1,727 |
| Net loans and leases to core deposits | 92.2235% | 2,100 |
| Total domestic deposits to total assets | 79.8016% | 5,993 |
| Equity capital to assets | 8.2319% | 6,246 |
| Core capital (leverage) ratio | 8.4990% | 5,456 |
| Tier 1 risk-based capital ratio | 12.3640% | 5,381 |
| Total risk-based capital ratio | 13.6115% | 5,376 |
| Memoranda: | ||
| Average total assets | $112,155,000 | 4,683 |
| Average earning assets | $98,487,500 | 4,779 |
| Average equity | $8,844,500 | 5,373 |
| Average total loans | $76,769,500 | 4,363 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5614% | 2,044 |
| Cost of funding earning assets | 2.0572% | 496 |
| Net interest margin | 3.5042% | 5,233 |
| Noninterest income to average assets | 0.5604% | 3,745 |
| Noninterest expense to average assets | 2.9281% | 4,118 |
| Loan and lease loss provision to assets | 0.3622% | 3,947 |
| Net operating income to assets | 0.4174% | 4,473 |
| Return on assets (ROA) | 0.4174% | 4,602 |
| Pretax return on assets | 0.4174% | 4,891 |
| Return on Equity (ROE) | 5.9521% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.9521% | 1,839 |
| Net charge-offs to loans | 0.0136% | 6,691 |
| Credit loss provision to net charge-offs | 3,754.5455% | 53 |
| Earnings coverage of net charge-offs (x) | 80.8182% | 303 |
| Efficiency ratio | 78.1457% | 2,685 |
| Assets per employee ($millions) | 3.8237% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,796 |
| Loan loss allowance to noncurrent loans | 39.3399% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 2.6789% | 2,604 |
| Noncurrent loans to loans | 3.9282% | 1,857 |
| Net loans and leases to total assets | 66.2023% | 3,427 |
| Net loans and leases to deposits | 81.7073% | 2,866 |
| Net loans and leases to core deposits | 95.9312% | 2,021 |
| Total domestic deposits to total assets | 81.0238% | 5,516 |
| Equity capital to assets | 7.5554% | 6,850 |
| Core capital (leverage) ratio | 8.0441% | 6,128 |
| Tier 1 risk-based capital ratio | 11.9239% | 5,546 |
| Total risk-based capital ratio | 13.1652% | 5,531 |
| Memoranda: | ||
| Average total assets | $114,032,800 | 4,612 |
| Average earning assets | $102,420,800 | 4,659 |
| Average equity | $7,997,200 | 5,713 |
| Average total loans | $80,848,000 | 4,317 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6282% | 1,955 |
| Cost of funding earning assets | 2.1305% | 481 |
| Net interest margin | 3.4976% | 5,299 |
| Noninterest income to average assets | 0.5562% | 3,740 |
| Noninterest expense to average assets | 3.0586% | 3,540 |
| Loan and lease loss provision to assets | 0.4801% | 3,074 |
| Net operating income to assets | 0.1721% | 5,583 |
| Return on assets (ROA) | 0.1768% | 5,740 |
| Pretax return on assets | 0.1768% | 5,776 |
| Return on Equity (ROE) | 2.5713% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.5713% | 4,621 |
| Net charge-offs to loans | 0.0163% | 6,451 |
| Credit loss provision to net charge-offs | 4,100.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 55.7127% | 521 |
| Efficiency ratio | 81.5084% | 2,129 |
| Assets per employee ($millions) | 3.2987% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 3,985 |
| Loan loss allowance to noncurrent loans | 37.9662% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 2.7518% | 2,633 |
| Noncurrent loans to loans | 3.9408% | 1,919 |
| Net loans and leases to total assets | 67.9168% | 3,238 |
| Net loans and leases to deposits | 83.4792% | 2,793 |
| Net loans and leases to core deposits | 93.4322% | 2,603 |
| Total domestic deposits to total assets | 81.3578% | 5,251 |
| Equity capital to assets | 7.1596% | 7,286 |
| Core capital (leverage) ratio | 7.6194% | 6,747 |
| Tier 1 risk-based capital ratio | 10.8187% | 6,530 |
| Total risk-based capital ratio | 12.0451% | 6,537 |
| Memoranda: | ||
| Average total assets | $113,863,000 | 4,678 |
| Average earning assets | $102,695,500 | 4,702 |
| Average equity | $7,829,750 | 5,849 |
| Average total loans | $81,776,500 | 4,356 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 2,194 |
| Cost of funding earning assets | 2.1723% | 509 |
| Net interest margin | 3.4122% | 5,592 |
| Noninterest income to average assets | 0.5259% | 3,911 |
| Noninterest expense to average assets | 3.2630% | 2,683 |
| Loan and lease loss provision to assets | 0.7112% | 2,046 |
| Net operating income to assets | -0.3741% | 6,539 |
| Return on assets (ROA) | -0.3741% | 6,581 |
| Pretax return on assets | -0.3741% | 6,494 |
| Return on Equity (ROE) | -5.5177% | 6,741 |
| Retained earnings to average equity (ytd only) | -5.5177% | 6,612 |
| Net charge-offs to loans | 0.0048% | 6,308 |
| Credit loss provision to net charge-offs | 20,150.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 348 |
| Efficiency ratio | 89.7549% | 1,353 |
| Assets per employee ($millions) | 3.1675% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,162 |
| Loan loss allowance to noncurrent loans | 26.1643% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 4.1016% | 1,664 |
| Noncurrent loans to loans | 5.5545% | 1,185 |
| Net loans and leases to total assets | 68.9093% | 3,145 |
| Net loans and leases to deposits | 86.6795% | 2,403 |
| Net loans and leases to core deposits | 99.7148% | 2,053 |
| Total domestic deposits to total assets | 79.4990% | 5,890 |
| Equity capital to assets | 6.6869% | 7,442 |
| Core capital (leverage) ratio | 7.4224% | 6,901 |
| Tier 1 risk-based capital ratio | 9.8514% | 7,101 |
| Total risk-based capital ratio | 11.1149% | 7,077 |
| Memoranda: | ||
| Average total assets | $113,333,000 | 4,722 |
| Average earning assets | $102,103,670 | 4,746 |
| Average equity | $7,684,330 | 5,905 |
| Average total loans | $82,501,000 | 4,366 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7794% | 1,526 |
| Cost of funding earning assets | 2.2351% | 531 |
| Net interest margin | 3.5443% | 4,972 |
| Noninterest income to average assets | 0.6284% | 3,098 |
| Noninterest expense to average assets | 3.1921% | 2,903 |
| Loan and lease loss provision to assets | 0.2693% | 3,871 |
| Net operating income to assets | 0.3555% | 5,052 |
| Return on assets (ROA) | 0.3555% | 5,178 |
| Pretax return on assets | 0.3555% | 5,435 |
| Return on Equity (ROE) | 5.2050% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.2050% | 3,041 |
| Net charge-offs to loans | -0.0580% | 7,386 |
| Credit loss provision to net charge-offs | -625.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3142% | 2,238 |
| Assets per employee ($millions) | 2.9854% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 6,198 |
| Loan loss allowance to noncurrent loans | 17.9074% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 4.6134% | 1,456 |
| Noncurrent loans to loans | 5.9032% | 1,127 |
| Net loans and leases to total assets | 74.3964% | 1,887 |
| Net loans and leases to deposits | 92.6577% | 1,519 |
| Net loans and leases to core deposits | 106.3503% | 1,548 |
| Total domestic deposits to total assets | 80.2917% | 5,688 |
| Equity capital to assets | 6.9816% | 7,379 |
| Core capital (leverage) ratio | 7.6887% | 6,639 |
| Tier 1 risk-based capital ratio | 9.6970% | 7,213 |
| Total risk-based capital ratio | 10.7140% | 7,317 |
| Memoranda: | ||
| Average total assets | $111,400,000 | 4,839 |
| Average earning assets | $100,217,500 | 4,873 |
| Average equity | $7,608,000 | 5,975 |
| Average total loans | $82,775,500 | 4,415 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1658% | 1,330 |
| Cost of funding earning assets | 2.5830% | 818 |
| Net interest margin | 3.5828% | 4,609 |
| Noninterest income to average assets | 0.7097% | 2,900 |
| Noninterest expense to average assets | 3.5691% | 2,222 |
| Loan and lease loss provision to assets | 0.3534% | 4,681 |
| Net operating income to assets | 0.0142% | 5,449 |
| Return on assets (ROA) | -0.4980% | 6,173 |
| Pretax return on assets | -0.4980% | 6,009 |
| Return on Equity (ROE) | -7.1361% | 6,394 |
| Retained earnings to average equity (ytd only) | -10.1693% | 6,538 |
| Net charge-offs to loans | 0.3280% | 4,594 |
| Credit loss provision to net charge-offs | 142.7481% | 3,374 |
| Earnings coverage of net charge-offs (x) | 1.4847% | 4,641 |
| Efficiency ratio | 89.4143% | 1,756 |
| Assets per employee ($millions) | 3.0362% | 6,131 |
| Cash dividends to net income (ytd only)* | -42.5047% | 7,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,591 |
| Loan loss allowance to noncurrent loans | 44.1094% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8355% | 3,616 |
| Noncurrent loans to loans | 2.1711% | 3,421 |
| Net loans and leases to total assets | 72.7299% | 2,570 |
| Net loans and leases to deposits | 89.9368% | 2,225 |
| Net loans and leases to core deposits | 134.3308% | 1,035 |
| Total domestic deposits to total assets | 80.8677% | 5,389 |
| Equity capital to assets | 6.6798% | 7,511 |
| Core capital (leverage) ratio | 7.4488% | 6,835 |
| Tier 1 risk-based capital ratio | 9.6872% | 7,107 |
| Total risk-based capital ratio | 10.6137% | 7,281 |
| Memoranda: | ||
| Average total assets | $105,824,600 | 4,931 |
| Average earning assets | $95,316,800 | 4,967 |
| Average equity | $7,385,000 | 6,136 |
| Average total loans | $79,874,800 | 4,514 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3108% | 1,111 |
| Cost of funding earning assets | 2.6442% | 923 |
| Net interest margin | 3.6666% | 4,215 |
| Noninterest income to average assets | 0.7665% | 2,616 |
| Noninterest expense to average assets | 3.6341% | 1,953 |
| Loan and lease loss provision to assets | 0.3250% | 4,383 |
| Net operating income to assets | 0.1113% | 5,429 |
| Return on assets (ROA) | -0.5490% | 6,475 |
| Pretax return on assets | -0.5490% | 6,353 |
| Return on Equity (ROE) | -7.7766% | 6,713 |
| Retained earnings to average equity (ytd only) | -9.8069% | 6,789 |
| Net charge-offs to loans | 0.0993% | 5,679 |
| Credit loss provision to net charge-offs | 430.5085% | 919 |
| Earnings coverage of net charge-offs (x) | 5.7801% | 2,734 |
| Efficiency ratio | 88.0226% | 1,873 |
| Assets per employee ($millions) | 3.0451% | 6,051 |
| Cash dividends to net income (ytd only)* | -26.1071% | 7,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 5,941 |
| Loan loss allowance to noncurrent loans | 171.1765% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7590% | 5,607 |
| Noncurrent loans to loans | 0.6213% | 6,061 |
| Net loans and leases to total assets | 74.0844% | 2,494 |
| Net loans and leases to deposits | 92.2772% | 2,194 |
| Net loans and leases to core deposits | 138.1960% | 1,002 |
| Total domestic deposits to total assets | 80.2846% | 5,340 |
| Equity capital to assets | 6.9200% | 7,630 |
| Core capital (leverage) ratio | 7.8227% | 6,588 |
| Tier 1 risk-based capital ratio | 10.1896% | 6,788 |
| Total risk-based capital ratio | 11.2427% | 6,947 |
| Memoranda: | ||
| Average total assets | $104,196,000 | 5,011 |
| Average earning assets | $93,889,750 | 5,041 |
| Average equity | $7,355,250 | 6,204 |
| Average total loans | $79,220,000 | 4,572 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4058% | 1,000 |
| Cost of funding earning assets | 2.7050% | 1,018 |
| Net interest margin | 3.7008% | 3,947 |
| Noninterest income to average assets | 0.5098% | 4,364 |
| Noninterest expense to average assets | 3.5923% | 2,087 |
| Loan and lease loss provision to assets | 0.3829% | 3,621 |
| Net operating income to assets | -0.1406% | 6,087 |
| Return on assets (ROA) | -0.9845% | 6,970 |
| Pretax return on assets | -0.9845% | 6,805 |
| Return on Equity (ROE) | -13.8493% | 7,274 |
| Retained earnings to average equity (ytd only) | -15.3881% | 7,258 |
| Net charge-offs to loans | 0.0281% | 6,080 |
| Credit loss provision to net charge-offs | 1,781.8182% | 296 |
| Earnings coverage of net charge-offs (x) | 11.2727% | 1,918 |
| Efficiency ratio | 92.3586% | 1,612 |
| Assets per employee ($millions) | 2.9062% | 6,366 |
| Cash dividends to net income (ytd only)* | -11.1111% | 7,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 5,765 |
| Loan loss allowance to noncurrent loans | 125.0362% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 5,729 |
| Noncurrent loans to loans | 0.8579% | 5,501 |
| Net loans and leases to total assets | 74.1042% | 2,674 |
| Net loans and leases to deposits | 92.5612% | 2,355 |
| Net loans and leases to core deposits | 138.9863% | 1,056 |
| Total domestic deposits to total assets | 80.0597% | 5,455 |
| Equity capital to assets | 6.8762% | 7,669 |
| Core capital (leverage) ratio | 7.8858% | 6,512 |
| Tier 1 risk-based capital ratio | 10.2247% | 6,682 |
| Total risk-based capital ratio | 11.2732% | 6,826 |
| Memoranda: | ||
| Average total assets | $102,386,330 | 5,088 |
| Average earning assets | $91,979,000 | 5,124 |
| Average equity | $7,278,330 | 6,275 |
| Average total loans | $78,264,000 | 4,644 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2980% | 1,307 |
| Cost of funding earning assets | 2.7344% | 1,158 |
| Net interest margin | 3.5636% | 4,472 |
| Noninterest income to average assets | 0.0761% | 7,671 |
| Noninterest expense to average assets | 3.6788% | 1,692 |
| Loan and lease loss provision to assets | 0.1803% | 4,645 |
| Net operating income to assets | -0.5971% | 6,964 |
| Return on assets (ROA) | -0.5971% | 7,008 |
| Pretax return on assets | -0.5971% | 6,901 |
| Return on Equity (ROE) | -8.2543% | 7,254 |
| Retained earnings to average equity (ytd only) | -11.3566% | 7,229 |
| Net charge-offs to loans | 0.0259% | 5,176 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | -20.8000% | 5,666 |
| Efficiency ratio | 111.0565% | 783 |
| Assets per employee ($millions) | 2.7887% | 6,679 |
| Cash dividends to net income (ytd only)* | -37.5839% | 8,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 6,713 |
| Loan loss allowance to noncurrent loans | 154.7414% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 6,055 |
| Noncurrent loans to loans | 0.5865% | 5,931 |
| Net loans and leases to total assets | 75.9832% | 2,276 |
| Net loans and leases to deposits | 95.5982% | 2,011 |
| Net loans and leases to core deposits | 142.8173% | 973 |
| Total domestic deposits to total assets | 79.4819% | 5,550 |
| Equity capital to assets | 6.9906% | 7,685 |
| Core capital (leverage) ratio | 8.7200% | 5,120 |
| Tier 1 risk-based capital ratio | 10.9520% | 5,942 |
| Total risk-based capital ratio | 11.8491% | 6,213 |
| Memoranda: | ||
| Average total assets | $99,814,000 | 5,189 |
| Average earning assets | $89,234,500 | 5,248 |
| Average equity | $7,220,500 | 6,330 |
| Average total loans | $77,121,500 | 4,721 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8954% | 1,412 |
| Cost of funding earning assets | 3.0228% | 1,789 |
| Net interest margin | 3.8726% | 3,696 |
| Noninterest income to average assets | 0.0636% | 7,830 |
| Noninterest expense to average assets | 3.4561% | 2,506 |
| Loan and lease loss provision to assets | 0.2702% | 4,232 |
| Net operating income to assets | -0.1769% | 6,591 |
| Return on assets (ROA) | -0.1769% | 6,440 |
| Pretax return on assets | -0.1769% | 6,353 |
| Return on Equity (ROE) | -2.0244% | 6,504 |
| Retained earnings to average equity (ytd only) | -3.8913% | 6,304 |
| Net charge-offs to loans | 0.3918% | 2,860 |
| Credit loss provision to net charge-offs | 94.4444% | 5,559 |
| Earnings coverage of net charge-offs (x) | 0.3259% | 6,034 |
| Efficiency ratio | 95.8209% | 1,169 |
| Assets per employee ($millions) | 2.6791% | 6,829 |
| Cash dividends to net income (ytd only)* | -92.2156% | 8,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 6,666 |
| Loan loss allowance to noncurrent loans | 131.6505% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 4,986 |
| Noncurrent loans to loans | 0.6855% | 5,324 |
| Net loans and leases to total assets | 77.1893% | 2,333 |
| Net loans and leases to deposits | 101.7147% | 1,613 |
| Net loans and leases to core deposits | 148.9009% | 890 |
| Total domestic deposits to total assets | 75.8881% | 6,274 |
| Equity capital to assets | 7.4943% | 7,383 |
| Core capital (leverage) ratio | 9.2582% | 4,355 |
| Tier 1 risk-based capital ratio | 11.9237% | 4,886 |
| Total risk-based capital ratio | 12.8271% | 5,059 |
| Memoranda: | ||
| Average total assets | $94,384,000 | 5,216 |
| Average earning assets | $84,955,200 | 5,271 |
| Average equity | $8,249,200 | 5,990 |
| Average total loans | $68,914,400 | 4,909 |