Home > The American National Bank of Mount Pleasant > Performance and Condition Ratios
The American National Bank of Mount Pleasant, 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 | 5.5805% | 1,056 |
| Cost of funding earning assets | 1.1324% | 2,980 |
| Net interest margin | 4.4482% | 661 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.9816% | 1,151 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.9034% | 524 |
| Return on assets (ROA) | 0.8762% | 2,589 |
| Pretax return on assets | 0.8762% | 3,022 |
| Return on Equity (ROE) | 15.2400% | 1,241 |
| Retained earnings to average equity (ytd only) | 1.5715% | 3,688 |
| Net charge-offs to loans | 0.2334% | 461 |
| Credit loss provision to net charge-offs | 43.8596% | 2,217 |
| Earnings coverage of net charge-offs (x) | 14.6023% | 2,073 |
| Efficiency ratio | 60.3084% | 3,044 |
| Assets per employee ($millions) | 4.4058% | 3,994 |
| Cash dividends to net income (ytd only)* | 89.6861% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0142% | 366 |
| Loan loss allowance to noncurrent loans | 2,644.8276% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,287 |
| Noncurrent loans to loans | 0.0762% | 3,176 |
| Net loans and leases to total assets | 58.4100% | 3,000 |
| Net loans and leases to deposits | 63.1375% | 3,339 |
| Net loans and leases to core deposits | 72.0043% | 3,190 |
| Total domestic deposits to total assets | 92.5100% | 227 |
| Equity capital to assets | 7.2921% | 3,821 |
| Core capital (leverage) ratio | 11.5947% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $127,248,600 | 3,575 |
| Average earning assets | $121,780,400 | 3,527 |
| Average equity | $7,318,000 | 4,009 |
| Average total loans | $73,262,400 | 3,506 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 1,244 |
| Cost of funding earning assets | 0.9956% | 3,054 |
| Net interest margin | 4.3331% | 768 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.9536% | 1,134 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.8271% | 632 |
| Return on assets (ROA) | 0.4563% | 3,852 |
| Pretax return on assets | 0.4563% | 3,980 |
| Return on Equity (ROE) | 8.5100% | 3,059 |
| Retained earnings to average equity (ytd only) | -11.0485% | 4,508 |
| Net charge-offs to loans | 0.3033% | 291 |
| Credit loss provision to net charge-offs | 27.2727% | 1,983 |
| Earnings coverage of net charge-offs (x) | 10.8303% | 2,108 |
| Efficiency ratio | 61.1775% | 2,822 |
| Assets per employee ($millions) | 4.3987% | 4,005 |
| Cash dividends to net income (ytd only)* | 229.8851% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 365 |
| Loan loss allowance to noncurrent loans | 3,775.0000% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,493 |
| Noncurrent loans to loans | 0.0541% | 3,367 |
| Net loans and leases to total assets | 56.7700% | 3,137 |
| Net loans and leases to deposits | 59.5657% | 3,532 |
| Net loans and leases to core deposits | 67.1872% | 3,367 |
| Total domestic deposits to total assets | 95.3100% | 106 |
| Equity capital to assets | 4.4081% | 4,346 |
| Core capital (leverage) ratio | 11.0714% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $127,118,500 | 3,594 |
| Average earning assets | $121,604,250 | 3,540 |
| Average equity | $6,818,250 | 4,067 |
| Average total loans | $72,538,000 | 3,523 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 1,367 |
| Cost of funding earning assets | 0.8525% | 3,066 |
| Net interest margin | 4.2512% | 861 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.9566% | 1,116 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.7390% | 726 |
| Return on assets (ROA) | 1.7390% | 728 |
| Pretax return on assets | 1.7390% | 1,135 |
| Return on Equity (ROE) | 30.6000% | 206 |
| Retained earnings to average equity (ytd only) | 2.8822% | 3,512 |
| Net charge-offs to loans | 0.1693% | 467 |
| Credit loss provision to net charge-offs | 49.1803% | 1,677 |
| Earnings coverage of net charge-offs (x) | 18.5902% | 1,759 |
| Efficiency ratio | 62.3381% | 2,671 |
| Assets per employee ($millions) | 4.4636% | 3,971 |
| Cash dividends to net income (ytd only)* | 90.5797% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1459% | 335 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.3300% | 3,096 |
| Net loans and leases to deposits | 59.9113% | 3,423 |
| Net loans and leases to core deposits | 66.5508% | 3,322 |
| Total domestic deposits to total assets | 94.0200% | 150 |
| Equity capital to assets | 5.7863% | 4,203 |
| Core capital (leverage) ratio | 11.3905% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $126,970,667 | 3,602 |
| Average earning assets | $121,754,000 | 3,544 |
| Average equity | $7,216,667 | 4,046 |
| Average total loans | $72,075,000 | 3,529 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 1,497 |
| Cost of funding earning assets | 0.6666% | 3,168 |
| Net interest margin | 4.1886% | 966 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.9363% | 1,166 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6829% | 852 |
| Return on assets (ROA) | 1.6829% | 849 |
| Pretax return on assets | 1.6829% | 1,307 |
| Return on Equity (ROE) | 29.8900% | 238 |
| Retained earnings to average equity (ytd only) | -26.6102% | 4,628 |
| Net charge-offs to loans | 0.3218% | 246 |
| Credit loss provision to net charge-offs | 26.3158% | 1,366 |
| Earnings coverage of net charge-offs (x) | 9.5439% | 1,687 |
| Efficiency ratio | 62.9175% | 2,581 |
| Assets per employee ($millions) | 4.3631% | 4,094 |
| Cash dividends to net income (ytd only)* | 189.0359% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2303% | 306 |
| Loan loss allowance to noncurrent loans | 299.0584% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 1,228 |
| Noncurrent loans to loans | 0.7458% | 1,026 |
| Net loans and leases to total assets | 55.0200% | 3,119 |
| Net loans and leases to deposits | 58.5132% | 3,424 |
| Net loans and leases to core deposits | 65.3468% | 3,270 |
| Total domestic deposits to total assets | 94.0200% | 166 |
| Equity capital to assets | 5.8444% | 4,255 |
| Core capital (leverage) ratio | 11.3353% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $125,734,500 | 3,663 |
| Average earning assets | $120,612,500 | 3,602 |
| Average equity | $7,080,000 | 4,114 |
| Average total loans | $70,855,500 | 3,591 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 1,552 |
| Cost of funding earning assets | 0.3721% | 2,313 |
| Net interest margin | 3.6931% | 1,397 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.6396% | 1,702 |
| Loan and lease loss provision to assets | -0.2600% | 4,653 |
| Net operating income to assets | 1.8715% | 374 |
| Return on assets (ROA) | 1.5657% | 715 |
| Pretax return on assets | 1.5657% | 1,252 |
| Return on Equity (ROE) | 25.2400% | 202 |
| Retained earnings to average equity (ytd only) | 14.2843% | 354 |
| Net charge-offs to loans | -0.7170% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.1002% | 2,748 |
| Assets per employee ($millions) | 4.3082% | 4,139 |
| Cash dividends to net income (ytd only)* | 43.4153% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3117% | 260 |
| Loan loss allowance to noncurrent loans | 4,075.0000% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,487 |
| Noncurrent loans to loans | 0.0567% | 3,352 |
| Net loans and leases to total assets | 55.1300% | 3,108 |
| Net loans and leases to deposits | 58.3287% | 3,429 |
| Net loans and leases to core deposits | 64.3910% | 3,240 |
| Total domestic deposits to total assets | 94.5200% | 193 |
| Equity capital to assets | 5.4147% | 4,264 |
| Core capital (leverage) ratio | 11.5716% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $132,404,800 | 3,606 |
| Average earning assets | $127,670,000 | 3,549 |
| Average equity | $8,211,800 | 4,077 |
| Average total loans | $64,578,800 | 3,666 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 1,473 |
| Cost of funding earning assets | 0.3375% | 1,799 |
| Net interest margin | 3.5675% | 1,471 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.5520% | 1,856 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.5232% | 799 |
| Return on assets (ROA) | 1.4935% | 847 |
| Pretax return on assets | 1.4935% | 1,430 |
| Return on Equity (ROE) | 23.3900% | 238 |
| Retained earnings to average equity (ytd only) | 9.3931% | 1,520 |
| Net charge-offs to loans | -0.3466% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9426% | 2,834 |
| Assets per employee ($millions) | 4.8377% | 3,812 |
| Cash dividends to net income (ytd only)* | 59.8404% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5481% | 223 |
| Loan loss allowance to noncurrent loans | 1,238.8489% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 2,857 |
| Noncurrent loans to loans | 0.2057% | 2,572 |
| Net loans and leases to total assets | 52.3600% | 3,248 |
| Net loans and leases to deposits | 54.5714% | 3,574 |
| Net loans and leases to core deposits | 59.9863% | 3,386 |
| Total domestic deposits to total assets | 95.9500% | 136 |
| Equity capital to assets | 2.9393% | 4,595 |
| Core capital (leverage) ratio | 11.0170% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $134,271,500 | 3,617 |
| Average earning assets | $129,573,500 | 3,555 |
| Average equity | $8,573,500 | 4,086 |
| Average total loans | $63,095,750 | 3,703 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 1,503 |
| Cost of funding earning assets | 0.3303% | 1,440 |
| Net interest margin | 3.3847% | 1,651 |
| Noninterest income to average assets | 0.6331% | 1,603 |
| Noninterest expense to average assets | 2.4055% | 2,213 |
| Loan and lease loss provision to assets | 0.0438% | 1,783 |
| Net operating income to assets | 1.4573% | 780 |
| Return on assets (ROA) | 1.4631% | 753 |
| Pretax return on assets | 1.4631% | 1,274 |
| Return on Equity (ROE) | 19.6686% | 328 |
| Retained earnings to average equity (ytd only) | 2.0198% | 3,746 |
| Net charge-offs to loans | 0.0747% | 712 |
| Credit loss provision to net charge-offs | 130.4348% | 1,155 |
| Earnings coverage of net charge-offs (x) | 44.7391% | 1,205 |
| Efficiency ratio | 61.5758% | 3,095 |
| Assets per employee ($millions) | 4.9010% | 3,767 |
| Cash dividends to net income (ytd only)* | 89.7308% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4181% | 285 |
| Loan loss allowance to noncurrent loans | 3,997.3684% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 3,693 |
| Noncurrent loans to loans | 0.0605% | 3,500 |
| Net loans and leases to total assets | 46.3243% | 3,693 |
| Net loans and leases to deposits | 48.6805% | 3,888 |
| Net loans and leases to core deposits | 55.3569% | 3,622 |
| Total domestic deposits to total assets | 95.1598% | 130 |
| Equity capital to assets | 4.7065% | 4,532 |
| Core capital (leverage) ratio | 10.3730% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,102,333 | 3,629 |
| Average earning assets | $132,595,667 | 3,567 |
| Average equity | $10,199,000 | 3,962 |
| Average total loans | $61,600,667 | 3,763 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 1,618 |
| Cost of funding earning assets | 0.3316% | 1,362 |
| Net interest margin | 3.2302% | 1,783 |
| Noninterest income to average assets | 0.5334% | 1,980 |
| Noninterest expense to average assets | 2.1622% | 2,938 |
| Loan and lease loss provision to assets | 0.0430% | 1,581 |
| Net operating income to assets | 1.4567% | 700 |
| Return on assets (ROA) | 1.4567% | 696 |
| Pretax return on assets | 1.4567% | 1,111 |
| Return on Equity (ROE) | 16.6769% | 460 |
| Retained earnings to average equity (ytd only) | -12.8688% | 4,610 |
| Net charge-offs to loans | 0.0721% | 634 |
| Credit loss provision to net charge-offs | 136.3636% | 886 |
| Earnings coverage of net charge-offs (x) | 47.5455% | 940 |
| Efficiency ratio | 59.0446% | 3,581 |
| Assets per employee ($millions) | 5.0795% | 3,686 |
| Cash dividends to net income (ytd only)* | 177.1654% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4736% | 294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 43.5813% | 3,767 |
| Net loans and leases to deposits | 46.7066% | 3,942 |
| Net loans and leases to core deposits | 53.5814% | 3,626 |
| Total domestic deposits to total assets | 93.3086% | 202 |
| Equity capital to assets | 6.6243% | 4,376 |
| Core capital (leverage) ratio | 9.8847% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,489,500 | 3,624 |
| Average earning assets | $135,098,500 | 3,565 |
| Average equity | $12,184,500 | 3,844 |
| Average total loans | $60,991,500 | 3,778 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 2,180 |
| Cost of funding earning assets | 0.4404% | 1,260 |
| Net interest margin | 3.2382% | 2,493 |
| Noninterest income to average assets | 0.6269% | 2,038 |
| Noninterest expense to average assets | 2.3925% | 2,515 |
| Loan and lease loss provision to assets | 0.0440% | 2,177 |
| Net operating income to assets | 1.3317% | 1,512 |
| Return on assets (ROA) | 1.3317% | 1,548 |
| Pretax return on assets | 1.3317% | 2,259 |
| Return on Equity (ROE) | 12.0269% | 1,809 |
| Retained earnings to average equity (ytd only) | 7.0544% | 1,901 |
| Net charge-offs to loans | 0.0153% | 2,007 |
| Credit loss provision to net charge-offs | 666.6667% | 684 |
| Earnings coverage of net charge-offs (x) | 208.2222% | 525 |
| Efficiency ratio | 63.4911% | 2,639 |
| Assets per employee ($millions) | 5.4551% | 3,301 |
| Cash dividends to net income (ytd only)* | 41.3451% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4911% | 285 |
| Loan loss allowance to noncurrent loans | 808.5561% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 3,017 |
| Noncurrent loans to loans | 0.3081% | 2,490 |
| Net loans and leases to total assets | 41.7287% | 3,990 |
| Net loans and leases to deposits | 46.7869% | 4,055 |
| Net loans and leases to core deposits | 55.5660% | 3,656 |
| Total domestic deposits to total assets | 89.1887% | 1,423 |
| Equity capital to assets | 10.7761% | 1,952 |
| Core capital (leverage) ratio | 10.2267% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,220,000 | 3,618 |
| Average earning assets | $132,141,400 | 3,551 |
| Average equity | $15,082,800 | 3,625 |
| Average total loans | $58,996,600 | 3,832 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 2,089 |
| Cost of funding earning assets | 0.4543% | 1,324 |
| Net interest margin | 3.3166% | 2,367 |
| Noninterest income to average assets | 0.6221% | 2,125 |
| Noninterest expense to average assets | 2.3300% | 2,652 |
| Loan and lease loss provision to assets | 0.0445% | 2,105 |
| Net operating income to assets | 1.4676% | 1,341 |
| Return on assets (ROA) | 1.4676% | 1,392 |
| Pretax return on assets | 1.4676% | 2,091 |
| Return on Equity (ROE) | 13.1623% | 1,650 |
| Retained earnings to average equity (ytd only) | 6.5102% | 2,616 |
| Net charge-offs to loans | -0.0524% | 4,382 |
| Credit loss provision to net charge-offs | -195.6522% | 3,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6435% | 2,890 |
| Assets per employee ($millions) | 5.3808% | 3,318 |
| Cash dividends to net income (ytd only)* | 50.5391% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5167% | 281 |
| Loan loss allowance to noncurrent loans | 493.2258% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,673 |
| Noncurrent loans to loans | 0.5103% | 2,030 |
| Net loans and leases to total assets | 42.3325% | 4,069 |
| Net loans and leases to deposits | 47.5737% | 4,143 |
| Net loans and leases to core deposits | 57.4210% | 3,667 |
| Total domestic deposits to total assets | 88.9830% | 1,285 |
| Equity capital to assets | 10.8469% | 2,129 |
| Core capital (leverage) ratio | 10.2775% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,816,750 | 3,672 |
| Average earning assets | $130,893,250 | 3,606 |
| Average equity | $15,032,500 | 3,677 |
| Average total loans | $58,571,500 | 3,897 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 1,737 |
| Cost of funding earning assets | 0.4755% | 1,356 |
| Net interest margin | 3.4568% | 1,984 |
| Noninterest income to average assets | 0.6100% | 2,169 |
| Noninterest expense to average assets | 2.3257% | 2,687 |
| Loan and lease loss provision to assets | 0.0451% | 2,112 |
| Net operating income to assets | 1.5925% | 1,064 |
| Return on assets (ROA) | 1.5925% | 1,117 |
| Pretax return on assets | 1.5925% | 1,750 |
| Return on Equity (ROE) | 14.1475% | 1,369 |
| Retained earnings to average equity (ytd only) | 4.1375% | 3,480 |
| Net charge-offs to loans | -0.1176% | 4,673 |
| Credit loss provision to net charge-offs | -88.2353% | 3,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6808% | 3,190 |
| Assets per employee ($millions) | 5.1028% | 3,557 |
| Cash dividends to net income (ytd only)* | 70.7547% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5635% | 259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.0705% | 4,172 |
| Net loans and leases to deposits | 47.2924% | 4,257 |
| Net loans and leases to core deposits | 57.3063% | 3,810 |
| Total domestic deposits to total assets | 88.9582% | 1,303 |
| Equity capital to assets | 10.9126% | 2,057 |
| Core capital (leverage) ratio | 10.1954% | 2,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,121,667 | 3,702 |
| Average earning assets | $129,136,333 | 3,635 |
| Average equity | $14,985,000 | 3,684 |
| Average total loans | $57,844,333 | 3,933 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 1,531 |
| Cost of funding earning assets | 0.5078% | 1,344 |
| Net interest margin | 3.5324% | 1,741 |
| Noninterest income to average assets | 0.5811% | 2,287 |
| Noninterest expense to average assets | 2.3273% | 2,704 |
| Loan and lease loss provision to assets | 0.0459% | 2,162 |
| Net operating income to assets | 1.6331% | 1,054 |
| Return on assets (ROA) | 1.6331% | 1,104 |
| Pretax return on assets | 1.6331% | 1,640 |
| Return on Equity (ROE) | 14.2781% | 1,377 |
| Retained earnings to average equity (ytd only) | -5.7754% | 4,727 |
| Net charge-offs to loans | -0.2525% | 4,825 |
| Credit loss provision to net charge-offs | -41.6667% | 2,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0916% | 3,285 |
| Assets per employee ($millions) | 5.3856% | 3,240 |
| Cash dividends to net income (ytd only)* | 140.4494% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6142% | 224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 41.8342% | 4,242 |
| Net loans and leases to deposits | 46.8953% | 4,310 |
| Net loans and leases to core deposits | 57.2209% | 3,893 |
| Total domestic deposits to total assets | 89.2076% | 1,233 |
| Equity capital to assets | 10.6966% | 2,084 |
| Core capital (leverage) ratio | 10.4376% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,794,500 | 3,729 |
| Average earning assets | $126,825,500 | 3,661 |
| Average equity | $14,960,000 | 3,693 |
| Average total loans | $57,022,500 | 3,969 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 1,811 |
| Cost of funding earning assets | 0.6906% | 1,766 |
| Net interest margin | 3.6283% | 2,048 |
| Noninterest income to average assets | 0.6152% | 2,160 |
| Noninterest expense to average assets | 2.8013% | 1,939 |
| Loan and lease loss provision to assets | 0.0556% | 3,677 |
| Net operating income to assets | 1.2646% | 1,349 |
| Return on assets (ROA) | 1.2817% | 1,402 |
| Pretax return on assets | 1.2817% | 2,041 |
| Return on Equity (ROE) | 10.4238% | 1,837 |
| Retained earnings to average equity (ytd only) | -3.4931% | 4,793 |
| Net charge-offs to loans | 0.0914% | 1,542 |
| Credit loss provision to net charge-offs | 122.6415% | 2,612 |
| Earnings coverage of net charge-offs (x) | 29.1132% | 1,637 |
| Efficiency ratio | 67.9676% | 2,239 |
| Assets per employee ($millions) | 5.0779% | 3,306 |
| Cash dividends to net income (ytd only)* | 133.5113% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5993% | 228 |
| Loan loss allowance to noncurrent loans | 2,395.0820% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,096 |
| Noncurrent loans to loans | 0.1085% | 3,858 |
| Net loans and leases to total assets | 43.1247% | 4,297 |
| Net loans and leases to deposits | 49.1613% | 4,351 |
| Net loans and leases to core deposits | 60.7985% | 3,900 |
| Total domestic deposits to total assets | 87.7210% | 1,601 |
| Equity capital to assets | 12.2239% | 1,465 |
| Core capital (leverage) ratio | 10.8782% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,873,200 | 3,783 |
| Average earning assets | $112,946,800 | 3,722 |
| Average equity | $14,371,000 | 3,712 |
| Average total loans | $57,999,400 | 3,953 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,415 |
| Cost of funding earning assets | 0.7306% | 1,853 |
| Net interest margin | 3.8330% | 1,523 |
| Noninterest income to average assets | 0.6121% | 2,126 |
| Noninterest expense to average assets | 2.8204% | 1,919 |
| Loan and lease loss provision to assets | 0.0586% | 3,618 |
| Net operating income to assets | 1.4341% | 1,023 |
| Return on assets (ROA) | 1.4574% | 1,067 |
| Pretax return on assets | 1.4574% | 1,553 |
| Return on Equity (ROE) | 11.8333% | 1,423 |
| Retained earnings to average equity (ytd only) | -7.1000% | 4,888 |
| Net charge-offs to loans | 0.1141% | 1,211 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 1,719 |
| Efficiency ratio | 65.3961% | 2,534 |
| Assets per employee ($millions) | 4.6960% | 3,603 |
| Cash dividends to net income (ytd only)* | 160.0000% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3831% | 269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 48.6121% | 4,179 |
| Net loans and leases to deposits | 55.5828% | 4,280 |
| Net loans and leases to core deposits | 69.1550% | 3,688 |
| Total domestic deposits to total assets | 87.4589% | 1,470 |
| Equity capital to assets | 12.3576% | 1,484 |
| Core capital (leverage) ratio | 10.9221% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,354,500 | 3,810 |
| Average earning assets | $110,407,500 | 3,749 |
| Average equity | $14,084,250 | 3,754 |
| Average total loans | $58,447,500 | 3,968 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 2,308 |
| Cost of funding earning assets | 0.7666% | 2,013 |
| Net interest margin | 3.5956% | 2,501 |
| Noninterest income to average assets | 1.1452% | 765 |
| Noninterest expense to average assets | 2.8969% | 1,837 |
| Loan and lease loss provision to assets | 0.0626% | 3,512 |
| Net operating income to assets | 1.6515% | 677 |
| Return on assets (ROA) | 1.6873% | 690 |
| Pretax return on assets | 1.6873% | 1,027 |
| Return on Equity (ROE) | 13.7167% | 936 |
| Retained earnings to average equity (ytd only) | -15.3749% | 4,984 |
| Net charge-offs to loans | 0.1075% | 1,219 |
| Credit loss provision to net charge-offs | 112.9032% | 2,321 |
| Earnings coverage of net charge-offs (x) | 30.9032% | 1,410 |
| Efficiency ratio | 62.8250% | 2,984 |
| Assets per employee ($millions) | 4.5488% | 3,724 |
| Cash dividends to net income (ytd only)* | 212.0891% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3907% | 252 |
| Loan loss allowance to noncurrent loans | 3,543.9024% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,384 |
| Noncurrent loans to loans | 0.0675% | 4,194 |
| Net loans and leases to total assets | 48.3036% | 4,243 |
| Net loans and leases to deposits | 54.9214% | 4,340 |
| Net loans and leases to core deposits | 68.2831% | 3,846 |
| Total domestic deposits to total assets | 87.9504% | 1,202 |
| Equity capital to assets | 11.8884% | 1,732 |
| Core capital (leverage) ratio | 10.8711% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,774,333 | 3,835 |
| Average earning assets | $107,742,667 | 3,775 |
| Average equity | $13,749,667 | 3,796 |
| Average total loans | $57,662,667 | 3,983 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,917 |
| Cost of funding earning assets | 0.8326% | 2,210 |
| Net interest margin | 3.7957% | 1,994 |
| Noninterest income to average assets | 0.7115% | 1,612 |
| Noninterest expense to average assets | 3.1359% | 1,555 |
| Loan and lease loss provision to assets | 0.0753% | 2,790 |
| Net operating income to assets | 1.1557% | 1,673 |
| Return on assets (ROA) | 1.2310% | 1,528 |
| Pretax return on assets | 1.2310% | 2,097 |
| Return on Equity (ROE) | 9.8169% | 1,801 |
| Retained earnings to average equity (ytd only) | -50.2252% | 5,087 |
| Net charge-offs to loans | 0.1711% | 773 |
| Credit loss provision to net charge-offs | 83.3333% | 1,921 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 1,641 |
| Efficiency ratio | 71.8103% | 2,104 |
| Assets per employee ($millions) | 4.0237% | 3,886 |
| Cash dividends to net income (ytd only)* | 611.6208% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6503% | 203 |
| Loan loss allowance to noncurrent loans | 18,062.5000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,610 |
| Noncurrent loans to loans | 0.0147% | 4,508 |
| Net loans and leases to total assets | 48.8554% | 4,297 |
| Net loans and leases to deposits | 55.1112% | 4,402 |
| Net loans and leases to core deposits | 67.3694% | 4,013 |
| Total domestic deposits to total assets | 88.6489% | 821 |
| Equity capital to assets | 11.2398% | 2,648 |
| Core capital (leverage) ratio | 11.5353% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,253,000 | 3,896 |
| Average earning assets | $102,327,500 | 3,847 |
| Average equity | $13,324,000 | 3,850 |
| Average total loans | $56,105,000 | 4,030 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 1,922 |
| Cost of funding earning assets | 0.8334% | 2,515 |
| Net interest margin | 4.0079% | 1,833 |
| Noninterest income to average assets | 0.7512% | 1,625 |
| Noninterest expense to average assets | 3.0575% | 1,856 |
| Loan and lease loss provision to assets | 0.1172% | 1,800 |
| Net operating income to assets | 1.4194% | 1,278 |
| Return on assets (ROA) | 1.4194% | 1,353 |
| Pretax return on assets | 1.4194% | 2,087 |
| Return on Equity (ROE) | 10.6947% | 2,006 |
| Retained earnings to average equity (ytd only) | 5.5424% | 2,136 |
| Net charge-offs to loans | 0.1220% | 1,536 |
| Credit loss provision to net charge-offs | 171.4286% | 1,515 |
| Earnings coverage of net charge-offs (x) | 22.4714% | 1,850 |
| Efficiency ratio | 66.5533% | 2,684 |
| Assets per employee ($millions) | 3.8469% | 4,100 |
| Cash dividends to net income (ytd only)* | 48.1762% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5118% | 216 |
| Loan loss allowance to noncurrent loans | 36,225.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,669 |
| Noncurrent loans to loans | 0.0069% | 4,567 |
| Net loans and leases to total assets | 54.1462% | 4,065 |
| Net loans and leases to deposits | 62.9360% | 4,140 |
| Net loans and leases to core deposits | 74.8436% | 3,656 |
| Total domestic deposits to total assets | 86.0338% | 2,054 |
| Equity capital to assets | 13.8998% | 1,136 |
| Core capital (leverage) ratio | 13.5093% | 1,055 |
| Tier 1 risk-based capital ratio | 24.1116% | 818 |
| Total risk-based capital ratio | 25.3760% | 799 |
| Memoranda: | ||
| Average total assets | $102,369,600 | 3,965 |
| Average earning assets | $98,156,200 | 3,907 |
| Average equity | $13,586,200 | 3,808 |
| Average total loans | $57,376,800 | 4,022 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 1,955 |
| Cost of funding earning assets | 0.8264% | 2,586 |
| Net interest margin | 4.0285% | 1,839 |
| Noninterest income to average assets | 0.7569% | 1,569 |
| Noninterest expense to average assets | 3.0066% | 1,960 |
| Loan and lease loss provision to assets | 0.1177% | 1,662 |
| Net operating income to assets | 1.4941% | 1,201 |
| Return on assets (ROA) | 1.4941% | 1,259 |
| Pretax return on assets | 1.4941% | 1,972 |
| Return on Equity (ROE) | 11.3954% | 1,841 |
| Retained earnings to average equity (ytd only) | 4.4166% | 3,185 |
| Net charge-offs to loans | 0.1024% | 1,447 |
| Credit loss provision to net charge-offs | 204.5455% | 1,287 |
| Earnings coverage of net charge-offs (x) | 28.0205% | 1,696 |
| Efficiency ratio | 65.1005% | 2,842 |
| Assets per employee ($millions) | 3.8420% | 4,112 |
| Cash dividends to net income (ytd only)* | 61.2424% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6507% | 186 |
| Loan loss allowance to noncurrent loans | 48,166.6667% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,763 |
| Noncurrent loans to loans | 0.0055% | 4,663 |
| Net loans and leases to total assets | 51.1592% | 4,361 |
| Net loans and leases to deposits | 59.4597% | 4,406 |
| Net loans and leases to core deposits | 71.4753% | 3,981 |
| Total domestic deposits to total assets | 86.0401% | 1,984 |
| Equity capital to assets | 13.7468% | 1,255 |
| Core capital (leverage) ratio | 13.4272% | 1,157 |
| Tier 1 risk-based capital ratio | 25.2546% | 755 |
| Total risk-based capital ratio | 26.5204% | 743 |
| Memoranda: | ||
| Average total assets | $101,995,750 | 4,009 |
| Average earning assets | $97,768,750 | 3,945 |
| Average equity | $13,373,500 | 3,872 |
| Average total loans | $57,299,000 | 4,073 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 1,998 |
| Cost of funding earning assets | 0.8139% | 2,577 |
| Net interest margin | 4.0061% | 1,903 |
| Noninterest income to average assets | 0.7494% | 1,528 |
| Noninterest expense to average assets | 2.9246% | 2,211 |
| Loan and lease loss provision to assets | 0.1183% | 1,580 |
| Net operating income to assets | 1.5599% | 995 |
| Return on assets (ROA) | 1.5599% | 1,035 |
| Pretax return on assets | 1.5599% | 1,666 |
| Return on Equity (ROE) | 12.0967% | 1,540 |
| Retained earnings to average equity (ytd only) | 1.3917% | 4,322 |
| Net charge-offs to loans | 0.1477% | 1,052 |
| Credit loss provision to net charge-offs | 139.5349% | 1,570 |
| Earnings coverage of net charge-offs (x) | 19.7907% | 1,806 |
| Efficiency ratio | 63.5390% | 3,210 |
| Assets per employee ($millions) | 3.5888% | 4,387 |
| Cash dividends to net income (ytd only)* | 88.4956% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4725% | 229 |
| Loan loss allowance to noncurrent loans | 23,600.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,782 |
| Noncurrent loans to loans | 0.0105% | 4,674 |
| Net loans and leases to total assets | 55.5833% | 4,099 |
| Net loans and leases to deposits | 64.4943% | 4,197 |
| Net loans and leases to core deposits | 73.0013% | 3,943 |
| Total domestic deposits to total assets | 86.1833% | 1,938 |
| Equity capital to assets | 13.6585% | 1,259 |
| Core capital (leverage) ratio | 13.1417% | 1,238 |
| Tier 1 risk-based capital ratio | 23.6945% | 877 |
| Total risk-based capital ratio | 24.9596% | 856 |
| Memoranda: | ||
| Average total assets | $101,416,670 | 4,042 |
| Average earning assets | $97,551,670 | 3,976 |
| Average equity | $13,078,000 | 3,923 |
| Average total loans | $58,227,330 | 4,087 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 2,005 |
| Cost of funding earning assets | 0.7930% | 2,577 |
| Net interest margin | 3.9733% | 1,935 |
| Noninterest income to average assets | 0.7263% | 1,525 |
| Noninterest expense to average assets | 2.9760% | 2,058 |
| Loan and lease loss provision to assets | 0.1178% | 1,490 |
| Net operating income to assets | 1.4487% | 1,239 |
| Return on assets (ROA) | 1.4487% | 1,269 |
| Pretax return on assets | 1.4487% | 1,928 |
| Return on Equity (ROE) | 11.5724% | 1,704 |
| Retained earnings to average equity (ytd only) | -10.3806% | 5,118 |
| Net charge-offs to loans | 0.1703% | 801 |
| Credit loss provision to net charge-offs | 120.0000% | 1,414 |
| Earnings coverage of net charge-offs (x) | 15.9600% | 1,720 |
| Efficiency ratio | 65.5143% | 3,007 |
| Assets per employee ($millions) | 3.7007% | 4,342 |
| Cash dividends to net income (ytd only)* | 189.7019% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3674% | 279 |
| Loan loss allowance to noncurrent loans | 6,381.8182% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,756 |
| Noncurrent loans to loans | 0.0371% | 4,605 |
| Net loans and leases to total assets | 55.8782% | 4,072 |
| Net loans and leases to deposits | 63.9091% | 4,183 |
| Net loans and leases to core deposits | 72.7025% | 3,894 |
| Total domestic deposits to total assets | 87.4339% | 1,599 |
| Equity capital to assets | 12.4503% | 1,766 |
| Core capital (leverage) ratio | 12.7018% | 1,402 |
| Tier 1 risk-based capital ratio | 22.1200% | 1,039 |
| Total risk-based capital ratio | 23.3842% | 1,014 |
| Memoranda: | ||
| Average total assets | $101,881,500 | 4,073 |
| Average earning assets | $97,853,500 | 4,008 |
| Average equity | $12,754,500 | 3,979 |
| Average total loans | $58,706,000 | 4,117 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 1,914 |
| Cost of funding earning assets | 0.6407% | 2,458 |
| Net interest margin | 4.0346% | 1,871 |
| Noninterest income to average assets | 0.7237% | 1,756 |
| Noninterest expense to average assets | 2.9682% | 2,141 |
| Loan and lease loss provision to assets | 0.2246% | 794 |
| Net operating income to assets | 1.4065% | 1,409 |
| Return on assets (ROA) | 1.4065% | 1,396 |
| Pretax return on assets | 1.4065% | 2,115 |
| Return on Equity (ROE) | 11.4364% | 1,924 |
| Retained earnings to average equity (ytd only) | 5.2120% | 2,657 |
| Net charge-offs to loans | 0.4056% | 455 |
| Credit loss provision to net charge-offs | 93.2203% | 2,676 |
| Earnings coverage of net charge-offs (x) | 6.7712% | 3,056 |
| Efficiency ratio | 64.5362% | 3,111 |
| Assets per employee ($millions) | 3.5765% | 4,472 |
| Cash dividends to net income (ytd only)* | 54.4267% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4076% | 253 |
| Loan loss allowance to noncurrent loans | 5,829.1667% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 4,089 |
| Noncurrent loans to loans | 0.0413% | 4,567 |
| Net loans and leases to total assets | 56.6270% | 4,084 |
| Net loans and leases to deposits | 64.8240% | 4,202 |
| Net loans and leases to core deposits | 74.6197% | 3,811 |
| Total domestic deposits to total assets | 87.3551% | 1,609 |
| Equity capital to assets | 12.5900% | 1,540 |
| Core capital (leverage) ratio | 13.0451% | 1,229 |
| Tier 1 risk-based capital ratio | 22.8787% | 932 |
| Total risk-based capital ratio | 24.1414% | 898 |
| Memoranda: | ||
| Average total assets | $97,973,000 | 4,129 |
| Average earning assets | $94,110,600 | 4,066 |
| Average equity | $12,049,200 | 4,015 |
| Average total loans | $58,191,800 | 4,140 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,857 |
| Cost of funding earning assets | 0.6006% | 2,472 |
| Net interest margin | 4.0435% | 1,808 |
| Noninterest income to average assets | 0.7253% | 1,770 |
| Noninterest expense to average assets | 2.8875% | 2,340 |
| Loan and lease loss provision to assets | 0.1232% | 1,634 |
| Net operating income to assets | 1.6025% | 957 |
| Return on assets (ROA) | 1.6025% | 961 |
| Pretax return on assets | 1.6025% | 1,576 |
| Return on Equity (ROE) | 13.1096% | 1,386 |
| Retained earnings to average equity (ytd only) | 4.7132% | 3,388 |
| Net charge-offs to loans | 0.3894% | 418 |
| Credit loss provision to net charge-offs | 52.9412% | 2,805 |
| Earnings coverage of net charge-offs (x) | 7.4177% | 2,812 |
| Efficiency ratio | 62.5927% | 3,406 |
| Assets per employee ($millions) | 3.7230% | 4,276 |
| Cash dividends to net income (ytd only)* | 64.0483% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3025% | 301 |
| Loan loss allowance to noncurrent loans | 1,907.1429% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,796 |
| Noncurrent loans to loans | 0.1207% | 4,348 |
| Net loans and leases to total assets | 56.3514% | 4,183 |
| Net loans and leases to deposits | 64.1572% | 4,321 |
| Net loans and leases to core deposits | 71.7470% | 4,097 |
| Total domestic deposits to total assets | 87.8334% | 1,321 |
| Equity capital to assets | 11.9438% | 1,947 |
| Core capital (leverage) ratio | 13.0501% | 1,260 |
| Tier 1 risk-based capital ratio | 22.8183% | 957 |
| Total risk-based capital ratio | 24.0802% | 929 |
| Memoranda: | ||
| Average total assets | $97,430,500 | 4,182 |
| Average earning assets | $93,678,500 | 4,115 |
| Average equity | $11,909,500 | 4,077 |
| Average total loans | $58,213,000 | 4,181 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5596% | 1,906 |
| Cost of funding earning assets | 0.5775% | 2,379 |
| Net interest margin | 3.9821% | 1,918 |
| Noninterest income to average assets | 0.7407% | 1,684 |
| Noninterest expense to average assets | 2.8797% | 2,407 |
| Loan and lease loss provision to assets | 0.1245% | 1,590 |
| Net operating income to assets | 1.5705% | 989 |
| Return on assets (ROA) | 1.5705% | 991 |
| Pretax return on assets | 1.5705% | 1,599 |
| Return on Equity (ROE) | 12.7470% | 1,462 |
| Retained earnings to average equity (ytd only) | 0.1179% | 4,937 |
| Net charge-offs to loans | 0.2196% | 724 |
| Credit loss provision to net charge-offs | 93.7500% | 2,124 |
| Earnings coverage of net charge-offs (x) | 12.7656% | 2,183 |
| Efficiency ratio | 62.9478% | 3,490 |
| Assets per employee ($millions) | 3.8498% | 4,133 |
| Cash dividends to net income (ytd only)* | 99.0753% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4245% | 267 |
| Loan loss allowance to noncurrent loans | 1,271.1712% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 3,679 |
| Noncurrent loans to loans | 0.1907% | 4,049 |
| Net loans and leases to total assets | 56.7315% | 4,103 |
| Net loans and leases to deposits | 64.4431% | 4,255 |
| Net loans and leases to core deposits | 71.5667% | 4,038 |
| Total domestic deposits to total assets | 88.0335% | 1,365 |
| Equity capital to assets | 11.8067% | 1,987 |
| Core capital (leverage) ratio | 12.7915% | 1,315 |
| Tier 1 risk-based capital ratio | 21.8629% | 1,051 |
| Total risk-based capital ratio | 23.1273% | 1,033 |
| Memoranda: | ||
| Average total assets | $96,400,330 | 4,238 |
| Average earning assets | $92,815,000 | 4,163 |
| Average equity | $11,877,330 | 4,104 |
| Average total loans | $58,290,670 | 4,209 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 1,751 |
| Cost of funding earning assets | 0.5580% | 2,332 |
| Net interest margin | 3.9805% | 1,787 |
| Noninterest income to average assets | 0.7657% | 1,562 |
| Noninterest expense to average assets | 2.8682% | 2,472 |
| Loan and lease loss provision to assets | 0.1269% | 1,484 |
| Net operating income to assets | 1.6033% | 855 |
| Return on assets (ROA) | 1.6033% | 856 |
| Pretax return on assets | 1.6033% | 1,389 |
| Return on Equity (ROE) | 12.7320% | 1,339 |
| Retained earnings to average equity (ytd only) | -12.4633% | 5,416 |
| Net charge-offs to loans | 0.3085% | 495 |
| Credit loss provision to net charge-offs | 66.6667% | 1,852 |
| Earnings coverage of net charge-offs (x) | 9.0889% | 1,991 |
| Efficiency ratio | 62.3735% | 3,721 |
| Assets per employee ($millions) | 3.6870% | 4,433 |
| Cash dividends to net income (ytd only)* | 197.8892% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 290 |
| Loan loss allowance to noncurrent loans | 2,456.1404% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,793 |
| Noncurrent loans to loans | 0.0971% | 4,537 |
| Net loans and leases to total assets | 59.7895% | 3,768 |
| Net loans and leases to deposits | 68.0091% | 3,946 |
| Net loans and leases to core deposits | 75.5430% | 3,703 |
| Total domestic deposits to total assets | 87.9140% | 1,669 |
| Equity capital to assets | 11.9838% | 1,802 |
| Core capital (leverage) ratio | 12.9936% | 1,182 |
| Tier 1 risk-based capital ratio | 21.2038% | 1,176 |
| Total risk-based capital ratio | 22.4679% | 1,141 |
| Memoranda: | ||
| Average total assets | $94,552,500 | 4,314 |
| Average earning assets | $91,044,500 | 4,249 |
| Average equity | $11,907,000 | 4,139 |
| Average total loans | $58,337,500 | 4,241 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,499 |
| Cost of funding earning assets | 0.4736% | 2,565 |
| Net interest margin | 4.1023% | 1,424 |
| Noninterest income to average assets | 0.7581% | 1,745 |
| Noninterest expense to average assets | 3.0164% | 2,128 |
| Loan and lease loss provision to assets | 0.0430% | 3,384 |
| Net operating income to assets | 1.6236% | 622 |
| Return on assets (ROA) | 1.6322% | 628 |
| Pretax return on assets | 1.6322% | 1,213 |
| Return on Equity (ROE) | 12.8078% | 995 |
| Retained earnings to average equity (ytd only) | 6.0668% | 1,505 |
| Net charge-offs to loans | 0.2371% | 1,093 |
| Credit loss provision to net charge-offs | 28.3688% | 3,549 |
| Earnings coverage of net charge-offs (x) | 11.0071% | 2,612 |
| Efficiency ratio | 64.4118% | 3,546 |
| Assets per employee ($millions) | 3.5862% | 4,593 |
| Cash dividends to net income (ytd only)* | 52.6316% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4414% | 265 |
| Loan loss allowance to noncurrent loans | 1,048.1481% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,431 |
| Noncurrent loans to loans | 0.2329% | 3,969 |
| Net loans and leases to total assets | 60.6422% | 3,775 |
| Net loans and leases to deposits | 69.9118% | 3,884 |
| Net loans and leases to core deposits | 77.1027% | 3,659 |
| Total domestic deposits to total assets | 86.7410% | 2,121 |
| Equity capital to assets | 13.2194% | 1,157 |
| Core capital (leverage) ratio | 13.2718% | 1,047 |
| Tier 1 risk-based capital ratio | 22.1785% | 998 |
| Total risk-based capital ratio | 23.4424% | 969 |
| Memoranda: | ||
| Average total assets | $93,124,600 | 4,369 |
| Average earning assets | $89,096,000 | 4,307 |
| Average equity | $11,867,800 | 4,163 |
| Average total loans | $59,476,200 | 4,211 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,491 |
| Cost of funding earning assets | 0.4569% | 2,644 |
| Net interest margin | 4.0969% | 1,394 |
| Noninterest income to average assets | 0.7505% | 1,782 |
| Noninterest expense to average assets | 2.9646% | 2,204 |
| Loan and lease loss provision to assets | 0.0143% | 3,854 |
| Net operating income to assets | 1.6886% | 591 |
| Return on assets (ROA) | 1.7000% | 592 |
| Pretax return on assets | 1.7000% | 1,126 |
| Return on Equity (ROE) | 13.4655% | 943 |
| Retained earnings to average equity (ytd only) | 4.3902% | 3,286 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5164% | 3,644 |
| Assets per employee ($millions) | 3.6395% | 4,532 |
| Cash dividends to net income (ytd only)* | 67.3967% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5718% | 243 |
| Loan loss allowance to noncurrent loans | 1,907.5000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 2,973 |
| Noncurrent loans to loans | 0.1348% | 4,519 |
| Net loans and leases to total assets | 61.0929% | 3,756 |
| Net loans and leases to deposits | 70.3725% | 3,932 |
| Net loans and leases to core deposits | 78.1103% | 3,623 |
| Total domestic deposits to total assets | 86.8136% | 1,951 |
| Equity capital to assets | 12.9972% | 1,392 |
| Core capital (leverage) ratio | 13.2667% | 1,114 |
| Tier 1 risk-based capital ratio | 21.6490% | 1,093 |
| Total risk-based capital ratio | 22.9163% | 1,070 |
| Memoranda: | ||
| Average total assets | $93,095,250 | 4,407 |
| Average earning assets | $89,007,750 | 4,347 |
| Average equity | $11,753,250 | 4,224 |
| Average total loans | $59,855,500 | 4,246 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 1,301 |
| Cost of funding earning assets | 0.4454% | 2,649 |
| Net interest margin | 4.1333% | 1,241 |
| Noninterest income to average assets | 0.7345% | 1,841 |
| Noninterest expense to average assets | 2.9767% | 2,182 |
| Loan and lease loss provision to assets | 0.0216% | 3,554 |
| Net operating income to assets | 1.6850% | 580 |
| Return on assets (ROA) | 1.7044% | 570 |
| Pretax return on assets | 1.7044% | 1,046 |
| Return on Equity (ROE) | 13.6372% | 885 |
| Retained earnings to average equity (ytd only) | -0.1901% | 5,104 |
| Net charge-offs to loans | -0.5997% | 5,705 |
| Credit loss provision to net charge-offs | -5.5556% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5609% | 3,749 |
| Assets per employee ($millions) | 3.7074% | 4,425 |
| Cash dividends to net income (ytd only)* | 101.3942% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8191% | 198 |
| Loan loss allowance to noncurrent loans | 594.4251% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 2,316 |
| Noncurrent loans to loans | 0.4743% | 3,324 |
| Net loans and leases to total assets | 63.4511% | 3,458 |
| Net loans and leases to deposits | 72.9224% | 3,655 |
| Net loans and leases to core deposits | 79.9090% | 3,426 |
| Total domestic deposits to total assets | 87.0118% | 1,947 |
| Equity capital to assets | 12.8641% | 1,435 |
| Core capital (leverage) ratio | 12.9451% | 1,196 |
| Tier 1 risk-based capital ratio | 20.4143% | 1,286 |
| Total risk-based capital ratio | 21.6854% | 1,255 |
| Memoranda: | ||
| Average total assets | $92,584,330 | 4,450 |
| Average earning assets | $88,452,670 | 4,392 |
| Average equity | $11,571,330 | 4,264 |
| Average total loans | $60,028,330 | 4,263 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,229 |
| Cost of funding earning assets | 0.4344% | 2,668 |
| Net interest margin | 4.1270% | 1,153 |
| Noninterest income to average assets | 0.7305% | 1,827 |
| Noninterest expense to average assets | 2.9178% | 2,406 |
| Loan and lease loss provision to assets | 0.0432% | 2,936 |
| Net operating income to assets | 1.7118% | 535 |
| Return on assets (ROA) | 1.7334% | 523 |
| Pretax return on assets | 1.7334% | 930 |
| Return on Equity (ROE) | 14.0757% | 796 |
| Retained earnings to average equity (ytd only) | -14.0055% | 5,656 |
| Net charge-offs to loans | 0.0201% | 2,382 |
| Credit loss provision to net charge-offs | 333.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 135.3333% | 405 |
| Efficiency ratio | 62.4422% | 4,085 |
| Assets per employee ($millions) | 3.6511% | 4,573 |
| Cash dividends to net income (ytd only)* | 199.5012% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4755% | 318 |
| Loan loss allowance to noncurrent loans | 278.9377% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.0178% | 1,791 |
| Noncurrent loans to loans | 0.8875% | 2,254 |
| Net loans and leases to total assets | 65.7340% | 3,014 |
| Net loans and leases to deposits | 75.3012% | 3,272 |
| Net loans and leases to core deposits | 82.0917% | 3,083 |
| Total domestic deposits to total assets | 87.2947% | 2,076 |
| Equity capital to assets | 12.3755% | 1,616 |
| Core capital (leverage) ratio | 12.4033% | 1,387 |
| Tier 1 risk-based capital ratio | 19.4514% | 1,502 |
| Total risk-based capital ratio | 20.7171% | 1,469 |
| Memoranda: | ||
| Average total assets | $92,534,500 | 4,489 |
| Average earning assets | $88,394,500 | 4,433 |
| Average equity | $11,395,500 | 4,323 |
| Average total loans | $59,785,000 | 4,310 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 1,416 |
| Cost of funding earning assets | 0.4190% | 2,815 |
| Net interest margin | 4.1250% | 1,320 |
| Noninterest income to average assets | 0.7166% | 2,093 |
| Noninterest expense to average assets | 3.0099% | 2,323 |
| Loan and lease loss provision to assets | 0.7818% | 146 |
| Net operating income to assets | 0.8697% | 2,979 |
| Return on assets (ROA) | 0.8828% | 3,031 |
| Pretax return on assets | 0.8828% | 3,903 |
| Return on Equity (ROE) | 6.6649% | 3,657 |
| Retained earnings to average equity (ytd only) | 0.5165% | 5,124 |
| Net charge-offs to loans | 1.1201% | 161 |
| Credit loss provision to net charge-offs | 114.2857% | 2,299 |
| Earnings coverage of net charge-offs (x) | 2.4143% | 3,835 |
| Efficiency ratio | 64.5702% | 3,842 |
| Assets per employee ($millions) | 3.6074% | 4,600 |
| Cash dividends to net income (ytd only)* | 92.2509% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6117% | 277 |
| Loan loss allowance to noncurrent loans | 225.9314% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0289% | 1,841 |
| Noncurrent loans to loans | 1.1560% | 1,776 |
| Net loans and leases to total assets | 60.2727% | 3,819 |
| Net loans and leases to deposits | 68.7157% | 4,029 |
| Net loans and leases to core deposits | 74.3986% | 3,891 |
| Total domestic deposits to total assets | 87.7132% | 1,785 |
| Equity capital to assets | 12.2558% | 1,654 |
| Core capital (leverage) ratio | 12.7494% | 1,232 |
| Tier 1 risk-based capital ratio | 20.9297% | 1,224 |
| Total risk-based capital ratio | 22.1964% | 1,198 |
| Memoranda: | ||
| Average total assets | $92,095,800 | 4,511 |
| Average earning assets | $88,072,000 | 4,436 |
| Average equity | $12,198,200 | 4,224 |
| Average total loans | $56,244,400 | 4,405 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 1,310 |
| Cost of funding earning assets | 0.4167% | 2,869 |
| Net interest margin | 4.1746% | 1,191 |
| Noninterest income to average assets | 0.7185% | 2,089 |
| Noninterest expense to average assets | 2.9176% | 2,587 |
| Loan and lease loss provision to assets | 0.1309% | 1,791 |
| Net operating income to assets | 1.6624% | 644 |
| Return on assets (ROA) | 1.6799% | 656 |
| Pretax return on assets | 1.6799% | 1,175 |
| Return on Equity (ROE) | 12.4451% | 1,188 |
| Retained earnings to average equity (ytd only) | 4.3639% | 3,230 |
| Net charge-offs to loans | 0.0693% | 2,328 |
| Credit loss provision to net charge-offs | 310.3448% | 1,005 |
| Earnings coverage of net charge-offs (x) | 42.5125% | 1,189 |
| Efficiency ratio | 61.9327% | 4,243 |
| Assets per employee ($millions) | 3.3997% | 4,908 |
| Cash dividends to net income (ytd only)* | 64.9355% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6021% | 293 |
| Loan loss allowance to noncurrent loans | 77.1666% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.4196% | 578 |
| Noncurrent loans to loans | 3.3720% | 399 |
| Net loans and leases to total assets | 60.6364% | 3,797 |
| Net loans and leases to deposits | 70.6193% | 3,927 |
| Net loans and leases to core deposits | 77.0487% | 3,748 |
| Total domestic deposits to total assets | 85.8638% | 2,426 |
| Equity capital to assets | 13.9324% | 1,066 |
| Core capital (leverage) ratio | 13.2699% | 1,083 |
| Tier 1 risk-based capital ratio | 22.1607% | 1,120 |
| Total risk-based capital ratio | 23.4282% | 1,097 |
| Memoranda: | ||
| Average total assets | $91,671,750 | 4,555 |
| Average earning assets | $87,670,750 | 4,477 |
| Average equity | $12,374,000 | 4,233 |
| Average total loans | $55,793,750 | 4,445 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 1,312 |
| Cost of funding earning assets | 0.4133% | 2,908 |
| Net interest margin | 4.1650% | 1,191 |
| Noninterest income to average assets | 0.6941% | 2,167 |
| Noninterest expense to average assets | 2.8724% | 2,767 |
| Loan and lease loss provision to assets | 0.1310% | 1,744 |
| Net operating income to assets | 1.6719% | 610 |
| Return on assets (ROA) | 1.6981% | 616 |
| Pretax return on assets | 1.6981% | 1,093 |
| Return on Equity (ROE) | 12.7169% | 1,096 |
| Retained earnings to average equity (ytd only) | 0.4577% | 5,164 |
| Net charge-offs to loans | 0.1229% | 1,612 |
| Credit loss provision to net charge-offs | 176.4706% | 1,419 |
| Earnings coverage of net charge-offs (x) | 24.2941% | 1,553 |
| Efficiency ratio | 61.4379% | 4,440 |
| Assets per employee ($millions) | 3.4149% | 4,896 |
| Cash dividends to net income (ytd only)* | 96.4010% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5560% | 337 |
| Loan loss allowance to noncurrent loans | 9,680.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,538 |
| Noncurrent loans to loans | 0.0264% | 5,363 |
| Net loans and leases to total assets | 60.0367% | 3,883 |
| Net loans and leases to deposits | 69.6123% | 4,017 |
| Net loans and leases to core deposits | 75.8308% | 3,834 |
| Total domestic deposits to total assets | 86.2443% | 2,300 |
| Equity capital to assets | 13.6125% | 1,176 |
| Core capital (leverage) ratio | 12.9748% | 1,156 |
| Tier 1 risk-based capital ratio | 22.3228% | 1,101 |
| Total risk-based capital ratio | 23.5913% | 1,084 |
| Memoranda: | ||
| Average total assets | $91,631,330 | 4,593 |
| Average earning assets | $87,587,670 | 4,513 |
| Average equity | $12,235,670 | 4,277 |
| Average total loans | $55,342,670 | 4,493 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 1,263 |
| Cost of funding earning assets | 0.4174% | 2,882 |
| Net interest margin | 4.1833% | 1,136 |
| Noninterest income to average assets | 0.6787% | 2,141 |
| Noninterest expense to average assets | 2.7806% | 3,142 |
| Loan and lease loss provision to assets | 0.1314% | 1,609 |
| Net operating income to assets | 1.7603% | 501 |
| Return on assets (ROA) | 1.7954% | 507 |
| Pretax return on assets | 1.7954% | 860 |
| Return on Equity (ROE) | 13.5784% | 914 |
| Retained earnings to average equity (ytd only) | -11.2601% | 5,847 |
| Net charge-offs to loans | 0.0513% | 2,015 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 61.7143% | 763 |
| Efficiency ratio | 59.5127% | 4,810 |
| Assets per employee ($millions) | 3.3813% | 5,004 |
| Cash dividends to net income (ytd only)* | 182.9268% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6465% | 332 |
| Loan loss allowance to noncurrent loans | 4,140.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,476 |
| Noncurrent loans to loans | 0.0639% | 5,224 |
| Net loans and leases to total assets | 58.3837% | 4,002 |
| Net loans and leases to deposits | 67.2861% | 4,125 |
| Net loans and leases to core deposits | 73.3147% | 3,956 |
| Total domestic deposits to total assets | 86.7694% | 2,318 |
| Equity capital to assets | 13.1298% | 1,351 |
| Core capital (leverage) ratio | 12.6706% | 1,276 |
| Tier 1 risk-based capital ratio | 23.5990% | 956 |
| Total risk-based capital ratio | 24.8701% | 948 |
| Memoranda: | ||
| Average total assets | $91,346,000 | 4,631 |
| Average earning assets | $87,204,500 | 4,559 |
| Average equity | $12,078,000 | 4,318 |
| Average total loans | $54,610,500 | 4,535 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 1,383 |
| Cost of funding earning assets | 0.4210% | 2,931 |
| Net interest margin | 4.1598% | 1,257 |
| Noninterest income to average assets | 0.6815% | 2,285 |
| Noninterest expense to average assets | 2.9378% | 2,733 |
| Loan and lease loss provision to assets | 0.1302% | 1,838 |
| Net operating income to assets | 1.5812% | 739 |
| Return on assets (ROA) | 1.5812% | 760 |
| Pretax return on assets | 1.5812% | 1,306 |
| Return on Equity (ROE) | 12.5916% | 1,156 |
| Retained earnings to average equity (ytd only) | 6.8878% | 1,326 |
| Net charge-offs to loans | -0.0905% | 5,747 |
| Credit loss provision to net charge-offs | -240.0000% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1886% | 4,410 |
| Assets per employee ($millions) | 3.6558% | 4,556 |
| Cash dividends to net income (ytd only)* | 45.2986% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6180% | 350 |
| Loan loss allowance to noncurrent loans | 8,912.5000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 5,627 |
| Noncurrent loans to loans | 0.0294% | 5,394 |
| Net loans and leases to total assets | 58.0376% | 4,086 |
| Net loans and leases to deposits | 66.9756% | 4,222 |
| Net loans and leases to core deposits | 72.9719% | 4,042 |
| Total domestic deposits to total assets | 86.6548% | 2,294 |
| Equity capital to assets | 13.3146% | 1,204 |
| Core capital (leverage) ratio | 13.0446% | 1,138 |
| Tier 1 risk-based capital ratio | 23.4596% | 960 |
| Total risk-based capital ratio | 24.7284% | 948 |
| Memoranda: | ||
| Average total assets | $92,144,800 | 4,623 |
| Average earning assets | $87,889,400 | 4,540 |
| Average equity | $11,571,200 | 4,379 |
| Average total loans | $55,256,800 | 4,520 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 1,400 |
| Cost of funding earning assets | 0.4236% | 2,975 |
| Net interest margin | 4.1512% | 1,276 |
| Noninterest income to average assets | 0.6657% | 2,408 |
| Noninterest expense to average assets | 2.9155% | 2,798 |
| Loan and lease loss provision to assets | 0.1300% | 1,733 |
| Net operating income to assets | 1.5827% | 804 |
| Return on assets (ROA) | 1.5827% | 839 |
| Pretax return on assets | 1.5827% | 1,434 |
| Return on Equity (ROE) | 12.7940% | 1,174 |
| Retained earnings to average equity (ytd only) | 5.0896% | 2,850 |
| Net charge-offs to loans | -0.1226% | 5,859 |
| Credit loss provision to net charge-offs | -176.4706% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9953% | 4,404 |
| Assets per employee ($millions) | 3.6178% | 4,580 |
| Cash dividends to net income (ytd only)* | 60.2190% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6110% | 375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.6123% | 4,186 |
| Net loans and leases to deposits | 66.4863% | 4,337 |
| Net loans and leases to core deposits | 71.8018% | 4,205 |
| Total domestic deposits to total assets | 86.6528% | 2,208 |
| Equity capital to assets | 13.1095% | 1,389 |
| Core capital (leverage) ratio | 12.6328% | 1,349 |
| Tier 1 risk-based capital ratio | 23.6181% | 987 |
| Total risk-based capital ratio | 24.8883% | 972 |
| Memoranda: | ||
| Average total assets | $92,332,000 | 4,670 |
| Average earning assets | $88,132,250 | 4,587 |
| Average equity | $11,421,750 | 4,452 |
| Average total loans | $55,453,500 | 4,560 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 1,409 |
| Cost of funding earning assets | 0.4251% | 2,983 |
| Net interest margin | 4.1219% | 1,297 |
| Noninterest income to average assets | 0.6454% | 2,501 |
| Noninterest expense to average assets | 2.9066% | 2,869 |
| Loan and lease loss provision to assets | 0.1291% | 1,722 |
| Net operating income to assets | 1.5318% | 853 |
| Return on assets (ROA) | 1.5318% | 895 |
| Pretax return on assets | 1.5318% | 1,551 |
| Return on Equity (ROE) | 12.6278% | 1,190 |
| Retained earnings to average equity (ytd only) | 0.9223% | 5,200 |
| Net charge-offs to loans | -0.2068% | 6,032 |
| Credit loss provision to net charge-offs | -103.4483% | 4,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 4,406 |
| Assets per employee ($millions) | 3.7978% | 4,258 |
| Cash dividends to net income (ytd only)* | 92.6966% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5015% | 481 |
| Loan loss allowance to noncurrent loans | 1,832.0000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 5,540 |
| Noncurrent loans to loans | 0.1365% | 5,201 |
| Net loans and leases to total assets | 58.7528% | 4,010 |
| Net loans and leases to deposits | 67.1583% | 4,210 |
| Net loans and leases to core deposits | 72.7174% | 4,064 |
| Total domestic deposits to total assets | 87.4841% | 1,914 |
| Equity capital to assets | 12.3404% | 1,776 |
| Core capital (leverage) ratio | 12.0565% | 1,618 |
| Tier 1 risk-based capital ratio | 22.2178% | 1,171 |
| Total risk-based capital ratio | 23.4862% | 1,151 |
| Memoranda: | ||
| Average total assets | $92,960,670 | 4,705 |
| Average earning assets | $88,454,330 | 4,628 |
| Average equity | $11,276,670 | 4,516 |
| Average total loans | $56,103,000 | 4,581 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 1,393 |
| Cost of funding earning assets | 0.4265% | 3,000 |
| Net interest margin | 4.0988% | 1,279 |
| Noninterest income to average assets | 0.6477% | 2,412 |
| Noninterest expense to average assets | 2.8636% | 3,022 |
| Loan and lease loss provision to assets | 0.1278% | 1,623 |
| Net operating income to assets | 1.5469% | 779 |
| Return on assets (ROA) | 1.5469% | 823 |
| Pretax return on assets | 1.5469% | 1,406 |
| Return on Equity (ROE) | 12.8598% | 1,129 |
| Retained earnings to average equity (ytd only) | -10.5217% | 6,148 |
| Net charge-offs to loans | -0.4304% | 6,215 |
| Credit loss provision to net charge-offs | -49.1803% | 4,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0986% | 4,615 |
| Assets per employee ($millions) | 3.4009% | 5,082 |
| Cash dividends to net income (ytd only)* | 181.8182% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4065% | 606 |
| Loan loss allowance to noncurrent loans | 4,490.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 5,814 |
| Noncurrent loans to loans | 0.0536% | 5,563 |
| Net loans and leases to total assets | 59.4903% | 3,731 |
| Net loans and leases to deposits | 67.8748% | 3,968 |
| Net loans and leases to core deposits | 73.4313% | 3,833 |
| Total domestic deposits to total assets | 87.6472% | 2,017 |
| Equity capital to assets | 12.2243% | 1,871 |
| Core capital (leverage) ratio | 11.5265% | 1,984 |
| Tier 1 risk-based capital ratio | 20.8613% | 1,452 |
| Total risk-based capital ratio | 22.1182% | 1,420 |
| Memoranda: | ||
| Average total assets | $93,867,000 | 4,723 |
| Average earning assets | $89,098,500 | 4,654 |
| Average equity | $11,291,000 | 4,543 |
| Average total loans | $56,691,500 | 4,583 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,390 |
| Cost of funding earning assets | 0.4539% | 3,131 |
| Net interest margin | 4.2077% | 1,278 |
| Noninterest income to average assets | 0.6566% | 2,519 |
| Noninterest expense to average assets | 3.0341% | 2,742 |
| Loan and lease loss provision to assets | 0.1294% | 2,026 |
| Net operating income to assets | 1.3841% | 1,114 |
| Return on assets (ROA) | 1.4232% | 1,061 |
| Pretax return on assets | 1.5332% | 1,430 |
| Return on Equity (ROE) | 12.3690% | 1,304 |
| Retained earnings to average equity (ytd only) | 6.7468% | 1,517 |
| Net charge-offs to loans | 0.2516% | 1,702 |
| Credit loss provision to net charge-offs | 86.3309% | 2,731 |
| Earnings coverage of net charge-offs (x) | 10.8129% | 2,582 |
| Efficiency ratio | 65.1842% | 4,375 |
| Assets per employee ($millions) | 3.5522% | 4,818 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1878% | 838 |
| Loan loss allowance to noncurrent loans | 553.3040% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 5,078 |
| Noncurrent loans to loans | 0.3954% | 4,457 |
| Net loans and leases to total assets | 58.5482% | 3,988 |
| Net loans and leases to deposits | 68.0477% | 4,121 |
| Net loans and leases to core deposits | 74.0463% | 3,915 |
| Total domestic deposits to total assets | 86.0399% | 2,815 |
| Equity capital to assets | 11.8414% | 2,140 |
| Core capital (leverage) ratio | 11.8496% | 1,735 |
| Tier 1 risk-based capital ratio | 21.1754% | 1,366 |
| Total risk-based capital ratio | 22.4399% | 1,337 |
| Memoranda: | ||
| Average total assets | $92,745,800 | 4,778 |
| Average earning assets | $88,123,800 | 4,697 |
| Average equity | $10,671,800 | 4,624 |
| Average total loans | $55,241,000 | 4,639 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,378 |
| Cost of funding earning assets | 0.4540% | 3,199 |
| Net interest margin | 4.2169% | 1,236 |
| Noninterest income to average assets | 0.6481% | 2,584 |
| Noninterest expense to average assets | 3.0521% | 2,626 |
| Loan and lease loss provision to assets | 0.1305% | 1,921 |
| Net operating income to assets | 1.4342% | 1,063 |
| Return on assets (ROA) | 1.4891% | 990 |
| Pretax return on assets | 1.5355% | 1,524 |
| Return on Equity (ROE) | 13.0403% | 1,214 |
| Retained earnings to average equity (ytd only) | 5.4218% | 2,811 |
| Net charge-offs to loans | 0.3364% | 1,192 |
| Credit loss provision to net charge-offs | 65.2174% | 2,846 |
| Earnings coverage of net charge-offs (x) | 8.0433% | 2,861 |
| Efficiency ratio | 65.4743% | 4,304 |
| Assets per employee ($millions) | 3.2865% | 5,265 |
| Cash dividends to net income (ytd only)* | 58.4226% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1551% | 1,012 |
| Loan loss allowance to noncurrent loans | 528.8793% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 5,227 |
| Noncurrent loans to loans | 0.4075% | 4,681 |
| Net loans and leases to total assets | 60.5388% | 3,696 |
| Net loans and leases to deposits | 70.6797% | 3,840 |
| Net loans and leases to core deposits | 77.2235% | 3,615 |
| Total domestic deposits to total assets | 85.6523% | 3,040 |
| Equity capital to assets | 11.9569% | 2,095 |
| Core capital (leverage) ratio | 11.5506% | 2,022 |
| Tier 1 risk-based capital ratio | 21.1873% | 1,417 |
| Total risk-based capital ratio | 22.4514% | 1,386 |
| Memoranda: | ||
| Average total assets | $91,955,000 | 4,843 |
| Average earning assets | $87,518,250 | 4,755 |
| Average equity | $10,500,500 | 4,690 |
| Average total loans | $54,699,000 | 4,701 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 1,501 |
| Cost of funding earning assets | 0.4554% | 3,261 |
| Net interest margin | 4.1559% | 1,361 |
| Noninterest income to average assets | 0.6135% | 2,745 |
| Noninterest expense to average assets | 3.0827% | 2,557 |
| Loan and lease loss provision to assets | 0.1305% | 1,891 |
| Net operating income to assets | 1.3044% | 1,296 |
| Return on assets (ROA) | 1.3445% | 1,241 |
| Pretax return on assets | 1.3923% | 1,916 |
| Return on Equity (ROE) | 11.9617% | 1,432 |
| Retained earnings to average equity (ytd only) | 0.3484% | 5,593 |
| Net charge-offs to loans | 0.4263% | 958 |
| Credit loss provision to net charge-offs | 52.1739% | 2,765 |
| Earnings coverage of net charge-offs (x) | 5.9217% | 2,850 |
| Efficiency ratio | 67.5405% | 4,103 |
| Assets per employee ($millions) | 3.3638% | 5,132 |
| Cash dividends to net income (ytd only)* | 97.0874% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2317% | 980 |
| Loan loss allowance to noncurrent loans | 610.0000% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,486 |
| Noncurrent loans to loans | 0.3658% | 4,893 |
| Net loans and leases to total assets | 56.7473% | 4,147 |
| Net loans and leases to deposits | 68.1517% | 4,033 |
| Net loans and leases to core deposits | 74.1798% | 3,820 |
| Total domestic deposits to total assets | 83.2661% | 4,202 |
| Equity capital to assets | 11.2841% | 2,626 |
| Core capital (leverage) ratio | 11.1435% | 2,297 |
| Tier 1 risk-based capital ratio | 20.5967% | 1,543 |
| Total risk-based capital ratio | 21.8604% | 1,515 |
| Memoranda: | ||
| Average total assets | $91,932,670 | 4,879 |
| Average earning assets | $87,394,000 | 4,783 |
| Average equity | $10,333,000 | 4,736 |
| Average total loans | $53,953,330 | 4,749 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,330 |
| Cost of funding earning assets | 0.4627% | 3,286 |
| Net interest margin | 4.2059% | 1,200 |
| Noninterest income to average assets | 0.6475% | 2,480 |
| Noninterest expense to average assets | 3.0527% | 2,687 |
| Loan and lease loss provision to assets | 0.1321% | 1,835 |
| Net operating income to assets | 1.4589% | 881 |
| Return on assets (ROA) | 1.5417% | 777 |
| Pretax return on assets | 1.5506% | 1,287 |
| Return on Equity (ROE) | 13.7450% | 992 |
| Retained earnings to average equity (ytd only) | -9.8179% | 6,351 |
| Net charge-offs to loans | 0.0522% | 2,654 |
| Credit loss provision to net charge-offs | 428.5714% | 614 |
| Earnings coverage of net charge-offs (x) | 51.8571% | 736 |
| Efficiency ratio | 65.6250% | 4,594 |
| Assets per employee ($millions) | 3.2987% | 5,346 |
| Cash dividends to net income (ytd only)* | 171.4286% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3957% | 917 |
| Loan loss allowance to noncurrent loans | 531.9672% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 5,231 |
| Noncurrent loans to loans | 0.4504% | 4,803 |
| Net loans and leases to total assets | 57.2539% | 3,960 |
| Net loans and leases to deposits | 68.5684% | 3,788 |
| Net loans and leases to core deposits | 74.4230% | 3,602 |
| Total domestic deposits to total assets | 83.4990% | 4,451 |
| Equity capital to assets | 10.9686% | 2,744 |
| Core capital (leverage) ratio | 11.0349% | 2,352 |
| Tier 1 risk-based capital ratio | 20.3136% | 1,644 |
| Total risk-based capital ratio | 21.5809% | 1,605 |
| Memoranda: | ||
| Average total assets | $90,806,000 | 4,949 |
| Average earning assets | $86,450,000 | 4,856 |
| Average equity | $10,185,500 | 4,781 |
| Average total loans | $53,596,000 | 4,804 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 1,447 |
| Cost of funding earning assets | 0.5699% | 2,926 |
| Net interest margin | 4.1784% | 1,426 |
| Noninterest income to average assets | 0.6851% | 2,624 |
| Noninterest expense to average assets | 3.1623% | 2,538 |
| Loan and lease loss provision to assets | 0.1391% | 2,569 |
| Net operating income to assets | 1.2713% | 1,328 |
| Return on assets (ROA) | 1.4664% | 930 |
| Pretax return on assets | 1.5707% | 1,247 |
| Return on Equity (ROE) | 12.9145% | 1,183 |
| Retained earnings to average equity (ytd only) | 12.9145% | 247 |
| Net charge-offs to loans | 0.0670% | 4,278 |
| Credit loss provision to net charge-offs | 342.8571% | 665 |
| Earnings coverage of net charge-offs (x) | 36.9714% | 1,014 |
| Efficiency ratio | 67.8270% | 4,228 |
| Assets per employee ($millions) | 3.1874% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 924 |
| Loan loss allowance to noncurrent loans | 382.8829% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 4,998 |
| Noncurrent loans to loans | 0.6282% | 4,411 |
| Net loans and leases to total assets | 57.9699% | 4,035 |
| Net loans and leases to deposits | 70.0882% | 3,773 |
| Net loans and leases to core deposits | 75.6876% | 3,641 |
| Total domestic deposits to total assets | 82.7100% | 4,638 |
| Equity capital to assets | 11.4736% | 2,187 |
| Core capital (leverage) ratio | 11.6068% | 1,887 |
| Tier 1 risk-based capital ratio | 21.6364% | 1,311 |
| Total risk-based capital ratio | 22.9032% | 1,288 |
| Memoranda: | ||
| Average total assets | $86,267,000 | 5,074 |
| Average earning assets | $82,113,000 | 4,979 |
| Average equity | $9,795,200 | 4,897 |
| Average total loans | $52,269,200 | 4,876 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 1,499 |
| Cost of funding earning assets | 0.5991% | 2,815 |
| Net interest margin | 4.1410% | 1,507 |
| Noninterest income to average assets | 0.6860% | 2,692 |
| Noninterest expense to average assets | 3.1227% | 2,586 |
| Loan and lease loss provision to assets | 0.1403% | 2,539 |
| Net operating income to assets | 1.0197% | 2,294 |
| Return on assets (ROA) | 1.2285% | 1,610 |
| Pretax return on assets | 1.6494% | 1,221 |
| Return on Equity (ROE) | 10.8492% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.8492% | 608 |
| Net charge-offs to loans | 0.0819% | 3,782 |
| Credit loss provision to net charge-offs | 281.2500% | 900 |
| Earnings coverage of net charge-offs (x) | 30.2156% | 1,232 |
| Efficiency ratio | 67.4411% | 4,198 |
| Assets per employee ($millions) | 3.1592% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4055% | 1,041 |
| Loan loss allowance to noncurrent loans | 423.0508% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 5,171 |
| Noncurrent loans to loans | 0.5686% | 4,783 |
| Net loans and leases to total assets | 57.2414% | 4,133 |
| Net loans and leases to deposits | 69.5073% | 3,855 |
| Net loans and leases to core deposits | 75.4695% | 3,675 |
| Total domestic deposits to total assets | 82.3530% | 4,804 |
| Equity capital to assets | 11.2100% | 2,555 |
| Core capital (leverage) ratio | 11.4570% | 2,076 |
| Tier 1 risk-based capital ratio | 21.1151% | 1,475 |
| Total risk-based capital ratio | 22.3834% | 1,442 |
| Memoranda: | ||
| Average total assets | $85,521,750 | 5,143 |
| Average earning assets | $81,459,750 | 5,039 |
| Average equity | $9,684,000 | 4,978 |
| Average total loans | $52,083,500 | 4,924 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 1,382 |
| Cost of funding earning assets | 0.6060% | 2,886 |
| Net interest margin | 4.1698% | 1,357 |
| Noninterest income to average assets | 0.6789% | 2,745 |
| Noninterest expense to average assets | 3.2055% | 2,342 |
| Loan and lease loss provision to assets | 0.1419% | 2,559 |
| Net operating income to assets | 0.9847% | 2,394 |
| Return on assets (ROA) | 1.3058% | 1,395 |
| Pretax return on assets | 1.7317% | 1,050 |
| Return on Equity (ROE) | 11.4920% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.4920% | 570 |
| Net charge-offs to loans | -0.1534% | 6,597 |
| Credit loss provision to net charge-offs | -150.0000% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9217% | 4,025 |
| Assets per employee ($millions) | 3.0378% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4717% | 1,012 |
| Loan loss allowance to noncurrent loans | 337.6963% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 5,150 |
| Noncurrent loans to loans | 0.7319% | 4,462 |
| Net loans and leases to total assets | 59.8420% | 3,683 |
| Net loans and leases to deposits | 69.6015% | 3,771 |
| Net loans and leases to core deposits | 76.2185% | 3,522 |
| Total domestic deposits to total assets | 85.9780% | 3,381 |
| Equity capital to assets | 11.1664% | 2,590 |
| Core capital (leverage) ratio | 11.3115% | 2,085 |
| Tier 1 risk-based capital ratio | 20.5184% | 1,607 |
| Total risk-based capital ratio | 21.7877% | 1,574 |
| Memoranda: | ||
| Average total assets | $84,543,330 | 5,208 |
| Average earning assets | $80,532,000 | 5,105 |
| Average equity | $9,606,670 | 5,035 |
| Average total loans | $52,150,670 | 4,946 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 1,256 |
| Cost of funding earning assets | 0.6136% | 2,978 |
| Net interest margin | 4.2006% | 1,178 |
| Noninterest income to average assets | 0.6692% | 2,766 |
| Noninterest expense to average assets | 3.2081% | 2,325 |
| Loan and lease loss provision to assets | 0.1424% | 2,462 |
| Net operating income to assets | 0.8875% | 2,710 |
| Return on assets (ROA) | 0.8875% | 2,855 |
| Pretax return on assets | 1.3146% | 2,176 |
| Return on Equity (ROE) | 7.7425% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.7425% | 1,844 |
| Net charge-offs to loans | -0.3146% | 6,788 |
| Credit loss provision to net charge-offs | -73.1707% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7691% | 4,182 |
| Assets per employee ($millions) | 3.1677% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4291% | 1,204 |
| Loan loss allowance to noncurrent loans | 430.3754% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 5,568 |
| Noncurrent loans to loans | 0.5644% | 5,028 |
| Net loans and leases to total assets | 59.2222% | 3,569 |
| Net loans and leases to deposits | 69.2285% | 3,609 |
| Net loans and leases to core deposits | 75.7999% | 3,350 |
| Total domestic deposits to total assets | 85.5461% | 3,773 |
| Equity capital to assets | 11.3835% | 2,545 |
| Core capital (leverage) ratio | 10.8635% | 2,383 |
| Tier 1 risk-based capital ratio | 18.8618% | 2,077 |
| Total risk-based capital ratio | 20.1278% | 2,052 |
| Memoranda: | ||
| Average total assets | $84,285,500 | 5,257 |
| Average earning assets | $80,179,500 | 5,146 |
| Average equity | $9,661,000 | 5,077 |
| Average total loans | $52,130,500 | 4,978 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 1,818 |
| Cost of funding earning assets | 0.7715% | 2,903 |
| Net interest margin | 4.1363% | 1,867 |
| Noninterest income to average assets | 0.6171% | 3,189 |
| Noninterest expense to average assets | 3.0281% | 3,172 |
| Loan and lease loss provision to assets | 0.1402% | 3,856 |
| Net operating income to assets | 1.2293% | 1,505 |
| Return on assets (ROA) | 1.3031% | 1,434 |
| Pretax return on assets | 1.4667% | 1,794 |
| Return on Equity (ROE) | 11.3666% | 1,694 |
| Retained earnings to average equity (ytd only) | 1.2335% | 5,255 |
| Net charge-offs to loans | 0.5224% | 2,162 |
| Credit loss provision to net charge-offs | 44.1176% | 4,838 |
| Earnings coverage of net charge-offs (x) | 4.7941% | 3,250 |
| Efficiency ratio | 66.5212% | 4,406 |
| Assets per employee ($millions) | 2.9659% | 6,066 |
| Cash dividends to net income (ytd only)* | 89.1480% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2732% | 1,407 |
| Loan loss allowance to noncurrent loans | 450.7576% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 5,719 |
| Noncurrent loans to loans | 0.5043% | 5,274 |
| Net loans and leases to total assets | 61.6047% | 3,316 |
| Net loans and leases to deposits | 70.0895% | 3,695 |
| Net loans and leases to core deposits | 76.2395% | 3,494 |
| Total domestic deposits to total assets | 87.8944% | 2,295 |
| Equity capital to assets | 11.5433% | 2,403 |
| Core capital (leverage) ratio | 10.9089% | 2,331 |
| Tier 1 risk-based capital ratio | 18.4511% | 2,118 |
| Total risk-based capital ratio | 19.7150% | 2,080 |
| Memoranda: | ||
| Average total assets | $85,564,000 | 5,201 |
| Average earning assets | $81,400,800 | 5,091 |
| Average equity | $9,809,400 | 5,021 |
| Average total loans | $52,070,400 | 5,013 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9102% | 1,971 |
| Cost of funding earning assets | 0.8170% | 2,804 |
| Net interest margin | 4.0932% | 2,113 |
| Noninterest income to average assets | 0.6079% | 3,223 |
| Noninterest expense to average assets | 3.1123% | 2,848 |
| Loan and lease loss provision to assets | 0.1392% | 3,797 |
| Net operating income to assets | 1.1406% | 1,950 |
| Return on assets (ROA) | 1.2406% | 1,771 |
| Pretax return on assets | 1.3643% | 2,360 |
| Return on Equity (ROE) | 10.8392% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.8392% | 709 |
| Net charge-offs to loans | 0.5333% | 2,009 |
| Credit loss provision to net charge-offs | 43.2692% | 4,545 |
| Earnings coverage of net charge-offs (x) | 4.3317% | 3,333 |
| Efficiency ratio | 69.0697% | 3,867 |
| Assets per employee ($millions) | 3.1491% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4016% | 1,356 |
| Loan loss allowance to noncurrent loans | 481.8898% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 5,950 |
| Noncurrent loans to loans | 0.4984% | 5,447 |
| Net loans and leases to total assets | 58.5021% | 4,044 |
| Net loans and leases to deposits | 67.3755% | 4,274 |
| Net loans and leases to core deposits | 73.6231% | 4,023 |
| Total domestic deposits to total assets | 86.8299% | 2,783 |
| Equity capital to assets | 12.2092% | 2,108 |
| Core capital (leverage) ratio | 11.6526% | 1,869 |
| Tier 1 risk-based capital ratio | 20.6418% | 1,608 |
| Total risk-based capital ratio | 21.9081% | 1,576 |
| Memoranda: | ||
| Average total assets | $86,194,000 | 5,232 |
| Average earning assets | $82,085,250 | 5,114 |
| Average equity | $9,865,250 | 5,056 |
| Average total loans | $52,000,750 | 5,078 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 1,984 |
| Cost of funding earning assets | 0.8736% | 2,623 |
| Net interest margin | 4.0575% | 2,256 |
| Noninterest income to average assets | 0.6121% | 3,186 |
| Noninterest expense to average assets | 3.1346% | 2,806 |
| Loan and lease loss provision to assets | 0.1386% | 3,786 |
| Net operating income to assets | 1.1186% | 1,986 |
| Return on assets (ROA) | 1.2497% | 1,738 |
| Pretax return on assets | 1.3421% | 2,413 |
| Return on Equity (ROE) | 11.1623% | 1,932 |
| Retained earnings to average equity (ytd only) | 11.1623% | 718 |
| Net charge-offs to loans | 0.3018% | 2,820 |
| Credit loss provision to net charge-offs | 75.9494% | 3,434 |
| Earnings coverage of net charge-offs (x) | 7.3418% | 2,497 |
| Efficiency ratio | 70.0568% | 3,751 |
| Assets per employee ($millions) | 3.0516% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5539% | 1,205 |
| Loan loss allowance to noncurrent loans | 298.6456% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 5,119 |
| Noncurrent loans to loans | 0.8552% | 4,804 |
| Net loans and leases to total assets | 59.0789% | 3,980 |
| Net loans and leases to deposits | 67.4875% | 4,289 |
| Net loans and leases to core deposits | 74.5654% | 3,950 |
| Total domestic deposits to total assets | 87.5405% | 2,441 |
| Equity capital to assets | 11.6999% | 2,416 |
| Core capital (leverage) ratio | 11.0568% | 2,244 |
| Tier 1 risk-based capital ratio | 19.6858% | 1,791 |
| Total risk-based capital ratio | 20.9535% | 1,751 |
| Memoranda: | ||
| Average total assets | $86,583,330 | 5,261 |
| Average earning assets | $82,416,000 | 5,140 |
| Average equity | $9,693,330 | 5,111 |
| Average total loans | $52,345,670 | 5,093 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 2,116 |
| Cost of funding earning assets | 0.9011% | 2,680 |
| Net interest margin | 4.0332% | 2,360 |
| Noninterest income to average assets | 0.6334% | 3,040 |
| Noninterest expense to average assets | 3.0521% | 3,075 |
| Loan and lease loss provision to assets | 0.1377% | 3,630 |
| Net operating income to assets | 1.1351% | 1,941 |
| Return on assets (ROA) | 1.3815% | 1,403 |
| Pretax return on assets | 1.5651% | 1,687 |
| Return on Equity (ROE) | 12.6186% | 1,505 |
| Retained earnings to average equity (ytd only) | 12.6186% | 736 |
| Net charge-offs to loans | 0.5321% | 1,757 |
| Credit loss provision to net charge-offs | 42.8571% | 3,394 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 2,574 |
| Efficiency ratio | 68.2051% | 4,129 |
| Assets per employee ($millions) | 3.2226% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4403% | 1,443 |
| Loan loss allowance to noncurrent loans | 267.9012% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 5,145 |
| Noncurrent loans to loans | 0.9109% | 4,844 |
| Net loans and leases to total assets | 59.8235% | 3,709 |
| Net loans and leases to deposits | 67.6857% | 4,117 |
| Net loans and leases to core deposits | 74.8695% | 3,769 |
| Total domestic deposits to total assets | 88.3842% | 2,079 |
| Equity capital to assets | 11.0538% | 2,844 |
| Core capital (leverage) ratio | 10.7058% | 2,537 |
| Tier 1 risk-based capital ratio | 18.6817% | 2,084 |
| Total risk-based capital ratio | 19.9486% | 2,047 |
| Memoranda: | ||
| Average total assets | $87,152,500 | 5,287 |
| Average earning assets | $83,010,500 | 5,174 |
| Average equity | $9,541,500 | 5,162 |
| Average total loans | $52,617,000 | 5,121 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 3,334 |
| Cost of funding earning assets | 1.6763% | 351 |
| Net interest margin | 3.2276% | 6,018 |
| Noninterest income to average assets | 0.5284% | 3,660 |
| Noninterest expense to average assets | 2.6091% | 5,059 |
| Loan and lease loss provision to assets | 0.9773% | 980 |
| Net operating income to assets | -0.0146% | 6,063 |
| Return on assets (ROA) | 0.0652% | 6,047 |
| Pretax return on assets | 0.0693% | 6,018 |
| Return on Equity (ROE) | 0.6774% | 6,025 |
| Retained earnings to average equity (ytd only) | 0.6774% | 5,531 |
| Net charge-offs to loans | 1.7960% | 820 |
| Credit loss provision to net charge-offs | 98.3351% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.9677% | 5,074 |
| Efficiency ratio | 73.0669% | 3,381 |
| Assets per employee ($millions) | 3.3575% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5868% | 1,212 |
| Loan loss allowance to noncurrent loans | 200.5979% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 4,788 |
| Noncurrent loans to loans | 1.2895% | 4,218 |
| Net loans and leases to total assets | 57.8929% | 4,386 |
| Net loans and leases to deposits | 65.3558% | 4,826 |
| Net loans and leases to core deposits | 73.5244% | 4,302 |
| Total domestic deposits to total assets | 88.5811% | 1,798 |
| Equity capital to assets | 10.8427% | 3,143 |
| Core capital (leverage) ratio | 10.0953% | 3,231 |
| Tier 1 risk-based capital ratio | 18.4944% | 2,048 |
| Total risk-based capital ratio | 19.7639% | 2,009 |
| Memoranda: | ||
| Average total assets | $96,698,800 | 4,987 |
| Average earning assets | $91,150,800 | 4,887 |
| Average equity | $9,300,000 | 5,206 |
| Average total loans | $53,508,400 | 5,130 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 3,496 |
| Cost of funding earning assets | 1.6205% | 532 |
| Net interest margin | 3.2925% | 5,878 |
| Noninterest income to average assets | 0.5236% | 3,702 |
| Noninterest expense to average assets | 2.5024% | 5,455 |
| Loan and lease loss provision to assets | 0.8615% | 1,059 |
| Net operating income to assets | 0.2541% | 5,558 |
| Return on assets (ROA) | 0.3594% | 5,352 |
| Pretax return on assets | 0.3648% | 5,565 |
| Return on Equity (ROE) | 3.8449% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.8449% | 3,990 |
| Net charge-offs to loans | 2.3691% | 482 |
| Credit loss provision to net charge-offs | 66.8058% | 4,577 |
| Earnings coverage of net charge-offs (x) | 0.8685% | 4,965 |
| Efficiency ratio | 69.0821% | 4,111 |
| Assets per employee ($millions) | 3.5639% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 2,417 |
| Loan loss allowance to noncurrent loans | 226.5795% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 4,786 |
| Noncurrent loans to loans | 0.8700% | 5,121 |
| Net loans and leases to total assets | 55.8158% | 4,868 |
| Net loans and leases to deposits | 65.6112% | 4,957 |
| Net loans and leases to core deposits | 73.6983% | 4,501 |
| Total domestic deposits to total assets | 85.0705% | 3,738 |
| Equity capital to assets | 10.4379% | 3,786 |
| Core capital (leverage) ratio | 9.4878% | 4,170 |
| Tier 1 risk-based capital ratio | 18.2408% | 2,178 |
| Total risk-based capital ratio | 19.5008% | 2,138 |
| Memoranda: | ||
| Average total assets | $99,050,000 | 4,952 |
| Average earning assets | $93,218,750 | 4,867 |
| Average equity | $9,258,750 | 5,244 |
| Average total loans | $53,915,750 | 5,165 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8094% | 4,065 |
| Cost of funding earning assets | 1.6227% | 640 |
| Net interest margin | 3.1868% | 6,205 |
| Noninterest income to average assets | 0.5100% | 3,779 |
| Noninterest expense to average assets | 2.4195% | 5,785 |
| Loan and lease loss provision to assets | 0.1186% | 4,791 |
| Net operating income to assets | 0.9729% | 2,345 |
| Return on assets (ROA) | 1.0140% | 2,267 |
| Pretax return on assets | 1.0219% | 3,152 |
| Return on Equity (ROE) | 11.2488% | 1,715 |
| Retained earnings to average equity (ytd only) | 11.2488% | 628 |
| Net charge-offs to loans | 1.9189% | 707 |
| Credit loss provision to net charge-offs | 11.5163% | 5,231 |
| Earnings coverage of net charge-offs (x) | 1.0672% | 4,489 |
| Efficiency ratio | 68.7640% | 4,376 |
| Assets per employee ($millions) | 3.7628% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,425 |
| Loan loss allowance to noncurrent loans | 71.6454% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4292% | 4,070 |
| Noncurrent loans to loans | 2.3284% | 3,059 |
| Net loans and leases to total assets | 52.0434% | 5,557 |
| Net loans and leases to deposits | 68.2615% | 4,666 |
| Net loans and leases to core deposits | 76.7068% | 4,226 |
| Total domestic deposits to total assets | 76.2412% | 6,565 |
| Equity capital to assets | 9.5447% | 4,741 |
| Core capital (leverage) ratio | 9.1916% | 4,419 |
| Tier 1 risk-based capital ratio | 18.1198% | 2,133 |
| Total risk-based capital ratio | 19.3753% | 2,085 |
| Memoranda: | ||
| Average total assets | $101,179,330 | 4,928 |
| Average earning assets | $95,520,330 | 4,835 |
| Average equity | $9,121,000 | 5,291 |
| Average total loans | $54,301,000 | 5,196 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7800% | 4,150 |
| Cost of funding earning assets | 1.6717% | 628 |
| Net interest margin | 3.1082% | 6,329 |
| Noninterest income to average assets | 0.4912% | 3,958 |
| Noninterest expense to average assets | 2.4047% | 5,873 |
| Loan and lease loss provision to assets | 0.1188% | 4,525 |
| Net operating income to assets | 0.7541% | 3,252 |
| Return on assets (ROA) | 0.8240% | 2,972 |
| Pretax return on assets | 0.9825% | 3,193 |
| Return on Equity (ROE) | 9.4192% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.4192% | 1,256 |
| Net charge-offs to loans | 1.1876% | 1,170 |
| Credit loss provision to net charge-offs | 18.5185% | 4,269 |
| Earnings coverage of net charge-offs (x) | 1.5864% | 3,522 |
| Efficiency ratio | 70.2546% | 4,207 |
| Assets per employee ($millions) | 3.9419% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2392% | 1,880 |
| Loan loss allowance to noncurrent loans | 70.3385% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9348% | 3,389 |
| Noncurrent loans to loans | 3.1835% | 2,356 |
| Net loans and leases to total assets | 52.2251% | 5,546 |
| Net loans and leases to deposits | 67.9251% | 4,691 |
| Net loans and leases to core deposits | 76.7945% | 4,196 |
| Total domestic deposits to total assets | 76.8863% | 6,552 |
| Equity capital to assets | 8.7961% | 5,503 |
| Core capital (leverage) ratio | 8.9768% | 4,650 |
| Tier 1 risk-based capital ratio | 17.1036% | 2,434 |
| Total risk-based capital ratio | 18.3662% | 2,406 |
| Memoranda: | ||
| Average total assets | $100,971,000 | 4,978 |
| Average earning assets | $95,231,000 | 4,875 |
| Average equity | $8,833,000 | 5,380 |
| Average total loans | $54,566,000 | 5,230 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 3,784 |
| Cost of funding earning assets | 1.9288% | 766 |
| Net interest margin | 3.2342% | 6,180 |
| Noninterest income to average assets | 0.4298% | 4,678 |
| Noninterest expense to average assets | 2.4208% | 6,047 |
| Loan and lease loss provision to assets | 1.0104% | 1,609 |
| Net operating income to assets | -0.0538% | 5,934 |
| Return on assets (ROA) | 0.0421% | 5,861 |
| Pretax return on assets | 0.1446% | 5,607 |
| Return on Equity (ROE) | 0.4543% | 5,838 |
| Retained earnings to average equity (ytd only) | 0.4543% | 5,351 |
| Net charge-offs to loans | 1.4768% | 1,492 |
| Credit loss provision to net charge-offs | 115.8824% | 3,718 |
| Earnings coverage of net charge-offs (x) | 1.1529% | 4,956 |
| Efficiency ratio | 70.6587% | 4,043 |
| Assets per employee ($millions) | 3.8251% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4972% | 1,414 |
| Loan loss allowance to noncurrent loans | 91.9431% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 2.1387% | 3,167 |
| Noncurrent loans to loans | 2.7160% | 2,804 |
| Net loans and leases to total assets | 53.3146% | 5,732 |
| Net loans and leases to deposits | 69.8609% | 4,831 |
| Net loans and leases to core deposits | 74.8870% | 4,863 |
| Total domestic deposits to total assets | 76.3154% | 6,595 |
| Equity capital to assets | 8.6986% | 5,588 |
| Core capital (leverage) ratio | 8.9485% | 4,622 |
| Tier 1 risk-based capital ratio | 16.9645% | 2,356 |
| Total risk-based capital ratio | 18.2310% | 2,316 |
| Memoranda: | ||
| Average total assets | $97,487,000 | 5,063 |
| Average earning assets | $90,315,400 | 5,007 |
| Average equity | $9,024,400 | 5,418 |
| Average total loans | $57,556,400 | 5,181 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 3,722 |
| Cost of funding earning assets | 1.9691% | 832 |
| Net interest margin | 3.2535% | 6,159 |
| Noninterest income to average assets | 0.3986% | 4,968 |
| Noninterest expense to average assets | 2.5513% | 5,512 |
| Loan and lease loss provision to assets | 0.5361% | 2,794 |
| Net operating income to assets | 0.0173% | 5,965 |
| Return on assets (ROA) | 0.1457% | 5,808 |
| Pretax return on assets | 0.5168% | 4,868 |
| Return on Equity (ROE) | 1.5501% | 5,754 |
| Retained earnings to average equity (ytd only) | 1.5501% | 5,178 |
| Net charge-offs to loans | 1.4418% | 1,411 |
| Credit loss provision to net charge-offs | 61.8067% | 5,643 |
| Earnings coverage of net charge-offs (x) | 0.9826% | 5,074 |
| Efficiency ratio | 74.9596% | 3,153 |
| Assets per employee ($millions) | 3.7930% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 2,870 |
| Loan loss allowance to noncurrent loans | 181.8519% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2624% | 4,624 |
| Noncurrent loans to loans | 0.9759% | 5,283 |
| Net loans and leases to total assets | 55.1157% | 5,676 |
| Net loans and leases to deposits | 73.8505% | 4,540 |
| Net loans and leases to core deposits | 79.9077% | 4,529 |
| Total domestic deposits to total assets | 74.6314% | 6,838 |
| Equity capital to assets | 9.2955% | 5,148 |
| Core capital (leverage) ratio | 9.2095% | 4,350 |
| Tier 1 risk-based capital ratio | 17.0360% | 2,328 |
| Total risk-based capital ratio | 18.2945% | 2,286 |
| Memoranda: | ||
| Average total assets | $96,995,500 | 5,136 |
| Average earning assets | $89,584,250 | 5,086 |
| Average equity | $9,117,750 | 5,461 |
| Average total loans | $58,350,250 | 5,212 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 3,314 |
| Cost of funding earning assets | 2.0117% | 882 |
| Net interest margin | 3.3189% | 5,946 |
| Noninterest income to average assets | 0.4209% | 4,744 |
| Noninterest expense to average assets | 2.5629% | 5,484 |
| Loan and lease loss provision to assets | 0.4354% | 3,134 |
| Net operating income to assets | 0.1946% | 5,581 |
| Return on assets (ROA) | 0.3857% | 4,984 |
| Pretax return on assets | 0.7589% | 4,029 |
| Return on Equity (ROE) | 4.0873% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.0873% | 3,481 |
| Net charge-offs to loans | 0.3538% | 3,581 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 4.1143% | 3,049 |
| Efficiency ratio | 74.1007% | 3,459 |
| Assets per employee ($millions) | 3.6111% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2875% | 1,605 |
| Loan loss allowance to noncurrent loans | 79.6163% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 2.2134% | 3,244 |
| Noncurrent loans to loans | 2.8731% | 2,780 |
| Net loans and leases to total assets | 58.1821% | 5,386 |
| Net loans and leases to deposits | 78.5225% | 3,881 |
| Net loans and leases to core deposits | 84.2797% | 4,102 |
| Total domestic deposits to total assets | 74.0961% | 6,960 |
| Equity capital to assets | 9.3909% | 4,876 |
| Core capital (leverage) ratio | 9.4600% | 3,881 |
| Tier 1 risk-based capital ratio | 16.3409% | 2,536 |
| Total risk-based capital ratio | 17.6046% | 2,476 |
| Memoranda: | ||
| Average total assets | $96,454,670 | 5,181 |
| Average earning assets | $88,282,670 | 5,159 |
| Average equity | $9,101,330 | 5,473 |
| Average total loans | $59,355,000 | 5,210 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 2,679 |
| Cost of funding earning assets | 2.0370% | 989 |
| Net interest margin | 3.4447% | 5,398 |
| Noninterest income to average assets | 0.3836% | 5,060 |
| Noninterest expense to average assets | 2.5101% | 5,690 |
| Loan and lease loss provision to assets | 0.1251% | 5,329 |
| Net operating income to assets | 0.6933% | 3,469 |
| Return on assets (ROA) | 1.1591% | 1,728 |
| Pretax return on assets | 1.5344% | 1,435 |
| Return on Equity (ROE) | 12.2548% | 1,429 |
| Retained earnings to average equity (ytd only) | 12.2548% | 711 |
| Net charge-offs to loans | -0.0933% | 7,507 |
| Credit loss provision to net charge-offs | -214.2857% | 6,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5744% | 4,200 |
| Assets per employee ($millions) | 3.6777% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,879 |
| Loan loss allowance to noncurrent loans | 525.7261% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 5,634 |
| Noncurrent loans to loans | 0.4060% | 6,480 |
| Net loans and leases to total assets | 60.7599% | 4,986 |
| Net loans and leases to deposits | 82.9130% | 3,118 |
| Net loans and leases to core deposits | 90.0046% | 3,360 |
| Total domestic deposits to total assets | 73.2815% | 7,132 |
| Equity capital to assets | 9.5828% | 4,401 |
| Core capital (leverage) ratio | 9.5497% | 3,701 |
| Tier 1 risk-based capital ratio | 16.3043% | 2,527 |
| Total risk-based capital ratio | 17.5668% | 2,483 |
| Memoranda: | ||
| Average total assets | $95,932,500 | 5,261 |
| Average earning assets | $88,366,500 | 5,224 |
| Average equity | $9,074,000 | 5,523 |
| Average total loans | $60,005,000 | 5,245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 2,331 |
| Cost of funding earning assets | 2.3309% | 1,531 |
| Net interest margin | 3.5477% | 4,756 |
| Noninterest income to average assets | 0.5419% | 4,094 |
| Noninterest expense to average assets | 2.6343% | 5,655 |
| Loan and lease loss provision to assets | 0.2529% | 5,372 |
| Net operating income to assets | 0.7133% | 2,880 |
| Return on assets (ROA) | 0.7608% | 2,770 |
| Pretax return on assets | 1.0364% | 2,470 |
| Return on Equity (ROE) | 8.4294% | 2,224 |
| Retained earnings to average equity (ytd only) | 5.5815% | 1,536 |
| Net charge-offs to loans | 0.1907% | 5,457 |
| Credit loss provision to net charge-offs | 209.4017% | 1,835 |
| Earnings coverage of net charge-offs (x) | 10.1368% | 1,719 |
| Efficiency ratio | 68.2718% | 4,967 |
| Assets per employee ($millions) | 3.7018% | 4,518 |
| Cash dividends to net income (ytd only)* | 33.7856% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 1,984 |
| Loan loss allowance to noncurrent loans | 432.1555% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 5,302 |
| Noncurrent loans to loans | 0.4667% | 6,327 |
| Net loans and leases to total assets | 61.7397% | 5,043 |
| Net loans and leases to deposits | 84.5853% | 3,165 |
| Net loans and leases to core deposits | 112.9503% | 2,604 |
| Total domestic deposits to total assets | 72.9911% | 7,150 |
| Equity capital to assets | 9.3355% | 4,657 |
| Core capital (leverage) ratio | 9.2603% | 4,037 |
| Tier 1 risk-based capital ratio | 15.6950% | 2,642 |
| Total risk-based capital ratio | 16.9556% | 2,582 |
| Memoranda: | ||
| Average total assets | $96,876,800 | 5,172 |
| Average earning assets | $90,566,800 | 5,102 |
| Average equity | $8,743,200 | 5,680 |
| Average total loans | $61,362,800 | 5,195 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8370% | 2,716 |
| Cost of funding earning assets | 2.3839% | 1,690 |
| Net interest margin | 3.4530% | 5,061 |
| Noninterest income to average assets | 0.5345% | 4,201 |
| Noninterest expense to average assets | 2.5942% | 5,728 |
| Loan and lease loss provision to assets | 0.1237% | 6,117 |
| Net operating income to assets | 0.6645% | 3,338 |
| Return on assets (ROA) | 0.7173% | 3,215 |
| Pretax return on assets | 1.1432% | 2,437 |
| Return on Equity (ROE) | 8.0157% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.0157% | 1,131 |
| Net charge-offs to loans | 0.1993% | 4,815 |
| Credit loss provision to net charge-offs | 97.8261% | 5,224 |
| Earnings coverage of net charge-offs (x) | 9.3698% | 2,118 |
| Efficiency ratio | 68.6545% | 4,851 |
| Assets per employee ($millions) | 3.3440% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 2,385 |
| Loan loss allowance to noncurrent loans | 1,301.1905% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 6,363 |
| Noncurrent loans to loans | 0.1360% | 7,141 |
| Net loans and leases to total assets | 62.5656% | 5,148 |
| Net loans and leases to deposits | 86.0976% | 3,299 |
| Net loans and leases to core deposits | 114.6374% | 2,768 |
| Total domestic deposits to total assets | 72.6682% | 7,126 |
| Equity capital to assets | 9.3766% | 4,917 |
| Core capital (leverage) ratio | 9.2031% | 4,332 |
| Tier 1 risk-based capital ratio | 15.0516% | 3,014 |
| Total risk-based capital ratio | 16.3085% | 2,953 |
| Memoranda: | ||
| Average total assets | $97,034,500 | 5,211 |
| Average earning assets | $91,163,500 | 5,123 |
| Average equity | $8,682,750 | 5,756 |
| Average total loans | $61,542,250 | 5,221 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8704% | 2,714 |
| Cost of funding earning assets | 2.4497% | 1,777 |
| Net interest margin | 3.4207% | 5,092 |
| Noninterest income to average assets | 0.5523% | 4,020 |
| Noninterest expense to average assets | 2.6274% | 5,625 |
| Loan and lease loss provision to assets | 0.1236% | 5,871 |
| Net operating income to assets | 0.6009% | 3,669 |
| Return on assets (ROA) | 0.6800% | 3,459 |
| Pretax return on assets | 1.1334% | 2,524 |
| Return on Equity (ROE) | 7.7229% | 2,880 |
| Retained earnings to average equity (ytd only) | 7.7229% | 1,306 |
| Net charge-offs to loans | 0.2505% | 3,948 |
| Credit loss provision to net charge-offs | 77.9221% | 5,252 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,487 |
| Efficiency ratio | 69.8630% | 4,809 |
| Assets per employee ($millions) | 3.0979% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,135 |
| Loan loss allowance to noncurrent loans | 1,497.2222% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 5,951 |
| Noncurrent loans to loans | 0.1180% | 7,222 |
| Net loans and leases to total assets | 62.4210% | 5,281 |
| Net loans and leases to deposits | 87.1701% | 3,326 |
| Net loans and leases to core deposits | 114.5823% | 2,846 |
| Total domestic deposits to total assets | 71.6083% | 7,292 |
| Equity capital to assets | 9.0196% | 5,287 |
| Core capital (leverage) ratio | 8.9503% | 4,717 |
| Tier 1 risk-based capital ratio | 14.9417% | 3,048 |
| Total risk-based capital ratio | 16.2001% | 2,984 |
| Memoranda: | ||
| Average total assets | $97,054,330 | 5,249 |
| Average earning assets | $91,033,330 | 5,160 |
| Average equity | $8,546,000 | 5,833 |
| Average total loans | $61,467,670 | 5,268 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 2,725 |
| Cost of funding earning assets | 2.5188% | 1,850 |
| Net interest margin | 3.3977% | 5,148 |
| Noninterest income to average assets | 0.5166% | 4,168 |
| Noninterest expense to average assets | 2.6649% | 5,164 |
| Loan and lease loss provision to assets | 0.1230% | 5,388 |
| Net operating income to assets | 0.5222% | 4,330 |
| Return on assets (ROA) | 0.6560% | 3,952 |
| Pretax return on assets | 1.1234% | 2,899 |
| Return on Equity (ROE) | 7.5401% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.5401% | 2,006 |
| Net charge-offs to loans | 0.4539% | 2,320 |
| Credit loss provision to net charge-offs | 42.8571% | 4,774 |
| Earnings coverage of net charge-offs (x) | 3.6143% | 3,119 |
| Efficiency ratio | 71.9823% | 4,196 |
| Assets per employee ($millions) | 3.3676% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 2,086 |
| Loan loss allowance to noncurrent loans | 1,255.9524% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 5,712 |
| Noncurrent loans to loans | 0.1367% | 7,130 |
| Net loans and leases to total assets | 61.8329% | 5,368 |
| Net loans and leases to deposits | 88.5919% | 3,180 |
| Net loans and leases to core deposits | 119.5904% | 2,455 |
| Total domestic deposits to total assets | 69.7952% | 7,444 |
| Equity capital to assets | 8.7887% | 5,640 |
| Core capital (leverage) ratio | 8.6123% | 5,314 |
| Tier 1 risk-based capital ratio | 14.6222% | 3,245 |
| Total risk-based capital ratio | 15.8800% | 3,172 |
| Memoranda: | ||
| Average total assets | $97,564,000 | 5,254 |
| Average earning assets | $91,473,000 | 5,168 |
| Average equity | $8,488,000 | 5,885 |
| Average total loans | $61,689,500 | 5,300 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6474% | 2,260 |
| Cost of funding earning assets | 2.6610% | 3,364 |
| Net interest margin | 3.9864% | 3,181 |
| Noninterest income to average assets | 0.6896% | 3,187 |
| Noninterest expense to average assets | 2.8289% | 4,700 |
| Loan and lease loss provision to assets | 0.1407% | 5,554 |
| Net operating income to assets | 1.0461% | 2,376 |
| Return on assets (ROA) | 1.0790% | 2,146 |
| Pretax return on assets | 1.5012% | 1,684 |
| Return on Equity (ROE) | 11.0961% | 1,872 |
| Retained earnings to average equity (ytd only) | 5.1018% | 1,964 |
| Net charge-offs to loans | 0.0600% | 5,924 |
| Credit loss provision to net charge-offs | 342.8571% | 1,321 |
| Earnings coverage of net charge-offs (x) | 38.8857% | 962 |
| Efficiency ratio | 63.9279% | 5,578 |
| Assets per employee ($millions) | 3.2489% | 5,333 |
| Cash dividends to net income (ytd only)* | 54.0217% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 1,714 |
| Loan loss allowance to noncurrent loans | 493.2432% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 5,150 |
| Noncurrent loans to loans | 0.3584% | 6,292 |
| Net loans and leases to total assets | 62.4236% | 5,552 |
| Net loans and leases to deposits | 90.3895% | 3,386 |
| Net loans and leases to core deposits | 125.4288% | 2,215 |
| Total domestic deposits to total assets | 69.0606% | 7,380 |
| Equity capital to assets | 8.6110% | 5,920 |
| Core capital (leverage) ratio | 9.5304% | 3,973 |
| Tier 1 risk-based capital ratio | 14.3149% | 3,386 |
| Total risk-based capital ratio | 15.5732% | 3,306 |
| Memoranda: | ||
| Average total assets | $85,263,200 | 5,507 |
| Average earning assets | $79,896,000 | 5,433 |
| Average equity | $8,291,200 | 5,981 |
| Average total loans | $58,369,200 | 5,349 |