Home > The Home National Bank of Thorntown > Performance and Condition Ratios
The Home National Bank of Thorntown, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,694 |
| Cost of funding earning assets | 0.8640% | 3,363 |
| Net interest margin | 3.2149% | 2,881 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.3028% | 2,785 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7544% | 3,152 |
| Return on assets (ROA) | 0.7544% | 3,147 |
| Pretax return on assets | 0.9564% | 2,966 |
| Return on Equity (ROE) | 11.3100% | 2,300 |
| Retained earnings to average equity (ytd only) | 11.3104% | 1,107 |
| Net charge-offs to loans | 0.0184% | 1,765 |
| Credit loss provision to net charge-offs | 318.1818% | 850 |
| Earnings coverage of net charge-offs (x) | 108.6364% | 885 |
| Efficiency ratio | 70.0351% | 1,774 |
| Assets per employee ($millions) | 6.8723% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 1,163 |
| Loan loss allowance to noncurrent loans | 691.9598% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,760 |
| Noncurrent loans to loans | 0.2139% | 2,494 |
| Net loans and leases to total assets | 55.5700% | 3,240 |
| Net loans and leases to deposits | 62.7917% | 3,349 |
| Net loans and leases to core deposits | 64.8544% | 3,487 |
| Total domestic deposits to total assets | 88.5100% | 1,407 |
| Equity capital to assets | 6.6784% | 3,761 |
| Core capital (leverage) ratio | 9.4797% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0914% | 1,082 |
| Memoranda: | ||
| Average total assets | $161,711,500 | 3,271 |
| Average earning assets | $149,382,000 | 3,266 |
| Average equity | $10,786,250 | 3,643 |
| Average total loans | $79,898,500 | 3,415 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 3,816 |
| Cost of funding earning assets | 0.7058% | 3,471 |
| Net interest margin | 3.2266% | 2,922 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.2797% | 2,870 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7894% | 3,110 |
| Return on assets (ROA) | 0.7894% | 3,122 |
| Pretax return on assets | 1.0035% | 2,902 |
| Return on Equity (ROE) | 11.8400% | 2,206 |
| Retained earnings to average equity (ytd only) | 11.8394% | 1,021 |
| Net charge-offs to loans | 0.0212% | 1,465 |
| Credit loss provision to net charge-offs | 125.0000% | 1,305 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 924 |
| Efficiency ratio | 69.1726% | 1,845 |
| Assets per employee ($millions) | 6.4381% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 900 |
| Loan loss allowance to noncurrent loans | 467.2414% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 2,293 |
| Noncurrent loans to loans | 0.3465% | 1,891 |
| Net loans and leases to total assets | 51.1600% | 3,473 |
| Net loans and leases to deposits | 55.1601% | 3,687 |
| Net loans and leases to core deposits | 56.8082% | 3,780 |
| Total domestic deposits to total assets | 92.7500% | 289 |
| Equity capital to assets | 6.8908% | 3,854 |
| Core capital (leverage) ratio | 9.4531% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5732% | 1,022 |
| Memoranda: | ||
| Average total assets | $160,637,000 | 3,289 |
| Average earning assets | $148,207,667 | 3,290 |
| Average equity | $10,710,000 | 3,657 |
| Average total loans | $75,518,333 | 3,482 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 3,863 |
| Cost of funding earning assets | 0.5623% | 3,493 |
| Net interest margin | 3.2335% | 3,030 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.3380% | 2,706 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.7328% | 3,391 |
| Return on assets (ROA) | 0.7328% | 3,351 |
| Pretax return on assets | 0.9397% | 3,152 |
| Return on Equity (ROE) | 11.1800% | 2,444 |
| Retained earnings to average equity (ytd only) | 11.1792% | 1,432 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.0606% | 1,637 |
| Assets per employee ($millions) | 6.7922% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 545 |
| Loan loss allowance to noncurrent loans | 443.7908% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 2,205 |
| Noncurrent loans to loans | 0.4260% | 1,656 |
| Net loans and leases to total assets | 43.2300% | 3,899 |
| Net loans and leases to deposits | 46.4861% | 4,019 |
| Net loans and leases to core deposits | 47.8501% | 4,054 |
| Total domestic deposits to total assets | 92.9900% | 311 |
| Equity capital to assets | 6.7479% | 3,940 |
| Core capital (leverage) ratio | 9.3721% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4168% | 925 |
| Memoranda: | ||
| Average total assets | $160,479,000 | 3,333 |
| Average earning assets | $147,952,000 | 3,333 |
| Average equity | $10,519,500 | 3,721 |
| Average total loans | $71,426,000 | 3,581 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3961% | 3,355 |
| Cost of funding earning assets | 0.2020% | 3,745 |
| Net interest margin | 3.1942% | 2,879 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.2482% | 2,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8576% | 3,123 |
| Return on assets (ROA) | 0.8576% | 3,055 |
| Pretax return on assets | 1.0973% | 2,781 |
| Return on Equity (ROE) | 12.2900% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.4583% | 1,017 |
| Net charge-offs to loans | 0.0076% | 2,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 343.4000% | 443 |
| Efficiency ratio | 67.2015% | 2,062 |
| Assets per employee ($millions) | 7.5212% | 1,602 |
| Cash dividends to net income (ytd only)* | 14.9031% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9034% | 535 |
| Loan loss allowance to noncurrent loans | 288.2729% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 1,668 |
| Noncurrent loans to loans | 0.6603% | 1,128 |
| Net loans and leases to total assets | 44.1100% | 3,890 |
| Net loans and leases to deposits | 47.2604% | 4,002 |
| Net loans and leases to core deposits | 48.7265% | 4,028 |
| Total domestic deposits to total assets | 93.3400% | 338 |
| Equity capital to assets | 6.3560% | 3,960 |
| Core capital (leverage) ratio | 9.3342% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6572% | 1,029 |
| Memoranda: | ||
| Average total assets | $156,478,800 | 3,377 |
| Average earning assets | $144,575,800 | 3,383 |
| Average equity | $10,919,600 | 3,767 |
| Average total loans | $65,373,600 | 3,651 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2662% | 3,264 |
| Cost of funding earning assets | 0.1477% | 3,867 |
| Net interest margin | 3.1185% | 2,873 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2616% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8011% | 3,262 |
| Return on assets (ROA) | 0.8011% | 3,217 |
| Pretax return on assets | 1.0232% | 2,956 |
| Return on Equity (ROE) | 11.2300% | 2,292 |
| Retained earnings to average equity (ytd only) | 11.2268% | 991 |
| Net charge-offs to loans | -0.0083% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.8508% | 1,905 |
| Assets per employee ($millions) | 6.9549% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 467 |
| Loan loss allowance to noncurrent loans | 283.5417% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 1,684 |
| Noncurrent loans to loans | 0.7218% | 1,130 |
| Net loans and leases to total assets | 42.5700% | 3,964 |
| Net loans and leases to deposits | 45.4733% | 4,052 |
| Net loans and leases to core deposits | 47.0963% | 4,059 |
| Total domestic deposits to total assets | 93.6200% | 432 |
| Equity capital to assets | 6.0899% | 3,929 |
| Core capital (leverage) ratio | 9.3247% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8157% | 1,023 |
| Memoranda: | ||
| Average total assets | $156,112,250 | 3,408 |
| Average earning assets | $144,467,250 | 3,410 |
| Average equity | $11,139,750 | 3,792 |
| Average total loans | $63,959,750 | 3,691 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1604% | 3,165 |
| Cost of funding earning assets | 0.1180% | 3,983 |
| Net interest margin | 3.0423% | 2,749 |
| Noninterest income to average assets | 0.4200% | 2,631 |
| Noninterest expense to average assets | 2.2730% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7636% | 3,097 |
| Return on assets (ROA) | 0.7636% | 3,057 |
| Pretax return on assets | 0.9685% | 2,838 |
| Return on Equity (ROE) | 10.2154% | 2,258 |
| Retained earnings to average equity (ytd only) | 10.2154% | 965 |
| Net charge-offs to loans | -0.0032% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1217% | 1,942 |
| Assets per employee ($millions) | 6.6985% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.5786% | 3,997 |
| Net loans and leases to deposits | 44.7476% | 4,081 |
| Net loans and leases to core deposits | 46.3446% | 4,108 |
| Total domestic deposits to total assets | 92.9179% | 535 |
| Equity capital to assets | 6.8653% | 3,839 |
| Core capital (leverage) ratio | 8.9937% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6885% | 1,036 |
| Memoranda: | ||
| Average total assets | $157,147,333 | 3,441 |
| Average earning assets | $145,742,667 | 3,439 |
| Average equity | $11,747,000 | 3,808 |
| Average total loans | $63,114,000 | 3,741 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1556% | 2,810 |
| Cost of funding earning assets | 0.1055% | 4,061 |
| Net interest margin | 3.0501% | 2,328 |
| Noninterest income to average assets | 0.4235% | 2,534 |
| Noninterest expense to average assets | 2.2535% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7965% | 2,669 |
| Return on assets (ROA) | 0.7965% | 2,662 |
| Pretax return on assets | 1.0108% | 2,402 |
| Return on Equity (ROE) | 10.2498% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.2498% | 966 |
| Net charge-offs to loans | -0.0129% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0347% | 2,368 |
| Assets per employee ($millions) | 6.9340% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 392 |
| 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 | 36.6660% | 4,170 |
| Net loans and leases to deposits | 39.5876% | 4,263 |
| Net loans and leases to core deposits | 40.8383% | 4,284 |
| Total domestic deposits to total assets | 92.6199% | 371 |
| Equity capital to assets | 7.1205% | 4,149 |
| Core capital (leverage) ratio | 8.8100% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5881% | 955 |
| Memoranda: | ||
| Average total assets | $158,688,500 | 3,432 |
| Average earning assets | $147,798,500 | 3,428 |
| Average equity | $12,332,000 | 3,825 |
| Average total loans | $61,963,000 | 3,763 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2346% | 3,389 |
| Cost of funding earning assets | 0.1713% | 3,767 |
| Net interest margin | 3.0632% | 3,013 |
| Noninterest income to average assets | 0.6058% | 2,130 |
| Noninterest expense to average assets | 2.3204% | 2,736 |
| Loan and lease loss provision to assets | 0.0103% | 2,876 |
| Net operating income to assets | 0.8919% | 3,073 |
| Return on assets (ROA) | 0.8919% | 3,130 |
| Pretax return on assets | 1.1334% | 2,875 |
| Return on Equity (ROE) | 9.7702% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.2671% | 1,436 |
| Net charge-offs to loans | -0.0084% | 3,684 |
| Credit loss provision to net charge-offs | -300.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9836% | 2,130 |
| Assets per employee ($millions) | 6.8650% | 2,024 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1173% | 504 |
| Loan loss allowance to noncurrent loans | 22,616.6667% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,141 |
| Noncurrent loans to loans | 0.0094% | 4,031 |
| Net loans and leases to total assets | 39.7317% | 4,108 |
| Net loans and leases to deposits | 43.4949% | 4,204 |
| Net loans and leases to core deposits | 45.1265% | 4,227 |
| Total domestic deposits to total assets | 91.3480% | 371 |
| Equity capital to assets | 8.4284% | 4,097 |
| Core capital (leverage) ratio | 8.7931% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7267% | 1,112 |
| Memoranda: | ||
| Average total assets | $145,752,800 | 3,526 |
| Average earning assets | $136,000,000 | 3,522 |
| Average equity | $13,305,800 | 3,803 |
| Average total loans | $59,443,000 | 3,826 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3318% | 3,304 |
| Cost of funding earning assets | 0.1904% | 3,712 |
| Net interest margin | 3.1414% | 2,932 |
| Noninterest income to average assets | 0.6596% | 1,973 |
| Noninterest expense to average assets | 2.3683% | 2,539 |
| Loan and lease loss provision to assets | 0.0140% | 2,713 |
| Net operating income to assets | 0.9473% | 3,091 |
| Return on assets (ROA) | 0.9473% | 3,170 |
| Pretax return on assets | 1.2051% | 2,909 |
| Return on Equity (ROE) | 10.1611% | 2,676 |
| Retained earnings to average equity (ytd only) | 10.1611% | 1,272 |
| Net charge-offs to loans | -0.0160% | 3,873 |
| Credit loss provision to net charge-offs | -214.2857% | 3,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0156% | 2,099 |
| Assets per employee ($millions) | 6.4443% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2956% | 394 |
| Loan loss allowance to noncurrent loans | 5,436.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,096 |
| Noncurrent loans to loans | 0.0422% | 3,905 |
| Net loans and leases to total assets | 39.0240% | 4,251 |
| Net loans and leases to deposits | 43.1064% | 4,344 |
| Net loans and leases to core deposits | 44.8508% | 4,354 |
| Total domestic deposits to total assets | 90.5296% | 542 |
| Equity capital to assets | 9.1453% | 3,702 |
| Core capital (leverage) ratio | 8.9291% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7804% | 995 |
| Memoranda: | ||
| Average total assets | $142,717,500 | 3,595 |
| Average earning assets | $133,016,500 | 3,583 |
| Average equity | $13,305,250 | 3,853 |
| Average total loans | $58,281,000 | 3,901 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1708% | 3,727 |
| Cost of funding earning assets | 0.2101% | 3,653 |
| Net interest margin | 2.9607% | 3,418 |
| Noninterest income to average assets | 0.7325% | 1,708 |
| Noninterest expense to average assets | 2.3807% | 2,529 |
| Loan and lease loss provision to assets | 0.0213% | 2,545 |
| Net operating income to assets | 0.8660% | 3,314 |
| Return on assets (ROA) | 0.8660% | 3,389 |
| Pretax return on assets | 1.0917% | 3,244 |
| Return on Equity (ROE) | 9.2270% | 3,032 |
| Retained earnings to average equity (ytd only) | 9.2270% | 1,639 |
| Net charge-offs to loans | -0.0241% | 4,058 |
| Credit loss provision to net charge-offs | -214.2857% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1430% | 1,866 |
| Assets per employee ($millions) | 5.8416% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2930% | 367 |
| Loan loss allowance to noncurrent loans | 45,300.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,321 |
| Noncurrent loans to loans | 0.0051% | 4,230 |
| Net loans and leases to total assets | 39.6526% | 4,299 |
| Net loans and leases to deposits | 43.7723% | 4,390 |
| Net loans and leases to core deposits | 45.5679% | 4,407 |
| Total domestic deposits to total assets | 90.5883% | 526 |
| Equity capital to assets | 9.1248% | 3,681 |
| Core capital (leverage) ratio | 8.9355% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0538% | 950 |
| Memoranda: | ||
| Average total assets | $140,883,667 | 3,629 |
| Average earning assets | $131,387,000 | 3,613 |
| Average equity | $13,222,000 | 3,873 |
| Average total loans | $57,974,667 | 3,931 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2799% | 3,500 |
| Cost of funding earning assets | 0.2352% | 3,607 |
| Net interest margin | 3.0447% | 3,148 |
| Noninterest income to average assets | 0.7780% | 1,643 |
| Noninterest expense to average assets | 2.3195% | 2,724 |
| Loan and lease loss provision to assets | 0.0434% | 2,200 |
| Net operating income to assets | 0.9920% | 2,834 |
| Return on assets (ROA) | 0.9920% | 2,928 |
| Pretax return on assets | 1.2610% | 2,676 |
| Return on Equity (ROE) | 10.4176% | 2,559 |
| Retained earnings to average equity (ytd only) | 10.4176% | 1,542 |
| Net charge-offs to loans | -0.0349% | 4,241 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0064% | 2,463 |
| Assets per employee ($millions) | 5.8192% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4288% | 294 |
| 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 | 39.0338% | 4,382 |
| Net loans and leases to deposits | 43.3223% | 4,450 |
| Net loans and leases to core deposits | 45.1919% | 4,466 |
| Total domestic deposits to total assets | 90.1010% | 773 |
| Equity capital to assets | 9.3777% | 3,306 |
| Core capital (leverage) ratio | 9.0713% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5250% | 847 |
| Memoranda: | ||
| Average total assets | $138,305,000 | 3,659 |
| Average earning assets | $129,273,500 | 3,639 |
| Average equity | $13,170,000 | 3,885 |
| Average total loans | $57,328,000 | 3,959 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 2,955 |
| Cost of funding earning assets | 0.4665% | 3,179 |
| Net interest margin | 3.4584% | 2,605 |
| Noninterest income to average assets | 0.7714% | 1,622 |
| Noninterest expense to average assets | 2.7259% | 2,153 |
| Loan and lease loss provision to assets | 0.1140% | 2,922 |
| Net operating income to assets | 0.9163% | 2,625 |
| Return on assets (ROA) | 0.9400% | 2,671 |
| Pretax return on assets | 1.1848% | 2,384 |
| Return on Equity (ROE) | 9.5259% | 2,189 |
| Retained earnings to average equity (ytd only) | 8.0974% | 1,029 |
| Net charge-offs to loans | 0.0277% | 2,479 |
| Credit loss provision to net charge-offs | 847.0588% | 864 |
| Earnings coverage of net charge-offs (x) | 94.2353% | 818 |
| Efficiency ratio | 68.2395% | 2,203 |
| Assets per employee ($millions) | 5.7062% | 2,620 |
| Cash dividends to net income (ytd only)* | 14.9958% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2744% | 366 |
| Loan loss allowance to noncurrent loans | 1,519.3182% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,022 |
| Noncurrent loans to loans | 0.1497% | 3,685 |
| Net loans and leases to total assets | 41.9477% | 4,354 |
| Net loans and leases to deposits | 46.7471% | 4,439 |
| Net loans and leases to core deposits | 48.9853% | 4,458 |
| Total domestic deposits to total assets | 89.7334% | 666 |
| Equity capital to assets | 9.6700% | 3,442 |
| Core capital (leverage) ratio | 9.0365% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0496% | 1,048 |
| Memoranda: | ||
| Average total assets | $126,270,600 | 3,673 |
| Average earning assets | $117,685,400 | 3,651 |
| Average equity | $12,460,800 | 3,928 |
| Average total loans | $61,367,400 | 3,892 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,144 |
| Cost of funding earning assets | 0.5169% | 3,128 |
| Net interest margin | 3.4226% | 2,841 |
| Noninterest income to average assets | 0.6548% | 1,965 |
| Noninterest expense to average assets | 2.7496% | 2,122 |
| Loan and lease loss provision to assets | 0.1392% | 2,626 |
| Net operating income to assets | 0.7715% | 3,206 |
| Return on assets (ROA) | 0.8047% | 3,190 |
| Pretax return on assets | 0.9924% | 3,098 |
| Return on Equity (ROE) | 8.1094% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.1094% | 1,267 |
| Net charge-offs to loans | 0.0344% | 2,144 |
| Credit loss provision to net charge-offs | 806.2500% | 975 |
| Earnings coverage of net charge-offs (x) | 63.1875% | 1,065 |
| Efficiency ratio | 71.6011% | 1,691 |
| Assets per employee ($millions) | 5.3950% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9847% | 507 |
| Loan loss allowance to noncurrent loans | 243.6464% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 2,490 |
| Noncurrent loans to loans | 0.8146% | 1,792 |
| Net loans and leases to total assets | 50.4599% | 4,076 |
| Net loans and leases to deposits | 56.5381% | 4,236 |
| Net loans and leases to core deposits | 58.9345% | 4,256 |
| Total domestic deposits to total assets | 89.2494% | 668 |
| Equity capital to assets | 10.0524% | 3,183 |
| Core capital (leverage) ratio | 9.1017% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6956% | 1,324 |
| Memoranda: | ||
| Average total assets | $123,601,000 | 3,695 |
| Average earning assets | $115,037,750 | 3,681 |
| Average equity | $12,265,250 | 3,955 |
| Average total loans | $62,013,250 | 3,900 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 3,527 |
| Cost of funding earning assets | 0.5640% | 3,160 |
| Net interest margin | 3.3680% | 3,199 |
| Noninterest income to average assets | 0.5738% | 2,237 |
| Noninterest expense to average assets | 2.9135% | 1,791 |
| Loan and lease loss provision to assets | 0.1628% | 2,374 |
| Net operating income to assets | 0.5203% | 3,952 |
| Return on assets (ROA) | 0.5722% | 3,903 |
| Pretax return on assets | 0.6922% | 3,888 |
| Return on Equity (ROE) | 5.7928% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.7928% | 2,159 |
| Net charge-offs to loans | 0.0132% | 2,493 |
| Credit loss provision to net charge-offs | 2,475.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 619 |
| Efficiency ratio | 78.6158% | 996 |
| Assets per employee ($millions) | 5.1982% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 406 |
| Loan loss allowance to noncurrent loans | 104.1500% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 1,252 |
| Noncurrent loans to loans | 1.9685% | 695 |
| Net loans and leases to total assets | 47.9758% | 4,256 |
| Net loans and leases to deposits | 53.6420% | 4,391 |
| Net loans and leases to core deposits | 55.6461% | 4,441 |
| Total domestic deposits to total assets | 89.4371% | 600 |
| Equity capital to assets | 9.6995% | 3,479 |
| Core capital (leverage) ratio | 9.2532% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7496% | 1,306 |
| Memoranda: | ||
| Average total assets | $121,641,000 | 3,704 |
| Average earning assets | $113,125,000 | 3,687 |
| Average equity | $12,015,000 | 3,984 |
| Average total loans | $60,464,667 | 3,936 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 3,293 |
| Cost of funding earning assets | 0.6362% | 3,243 |
| Net interest margin | 3.5429% | 2,837 |
| Noninterest income to average assets | 0.4528% | 2,776 |
| Noninterest expense to average assets | 2.9076% | 2,100 |
| Loan and lease loss provision to assets | 0.1839% | 1,627 |
| Net operating income to assets | 0.5482% | 3,751 |
| Return on assets (ROA) | 0.5482% | 3,814 |
| Pretax return on assets | 0.6605% | 3,792 |
| Return on Equity (ROE) | 5.4949% | 3,475 |
| Retained earnings to average equity (ytd only) | 5.4949% | 2,070 |
| Net charge-offs to loans | 0.0544% | 1,468 |
| Credit loss provision to net charge-offs | 675.0000% | 740 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,158 |
| Efficiency ratio | 77.4955% | 1,399 |
| Assets per employee ($millions) | 4.7355% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 409 |
| Loan loss allowance to noncurrent loans | 94.8640% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1184% | 1,153 |
| Noncurrent loans to loans | 2.2529% | 573 |
| Net loans and leases to total assets | 48.5813% | 4,310 |
| Net loans and leases to deposits | 54.4022% | 4,425 |
| Net loans and leases to core deposits | 56.6367% | 4,474 |
| Total domestic deposits to total assets | 89.3003% | 544 |
| Equity capital to assets | 10.1557% | 3,644 |
| Core capital (leverage) ratio | 9.6049% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5093% | 1,236 |
| Memoranda: | ||
| Average total assets | $117,484,000 | 3,739 |
| Average earning assets | $109,400,500 | 3,720 |
| Average equity | $11,720,000 | 4,031 |
| Average total loans | $58,871,000 | 3,975 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3203% | 3,482 |
| Cost of funding earning assets | 0.6668% | 3,324 |
| Net interest margin | 3.6535% | 2,954 |
| Noninterest income to average assets | 0.4604% | 2,949 |
| Noninterest expense to average assets | 2.9561% | 2,132 |
| Loan and lease loss provision to assets | 0.0530% | 2,973 |
| Net operating income to assets | 0.6976% | 3,876 |
| Return on assets (ROA) | 0.6990% | 3,935 |
| Pretax return on assets | 0.8572% | 3,859 |
| Return on Equity (ROE) | 7.2673% | 3,458 |
| Retained earnings to average equity (ytd only) | 5.6319% | 2,081 |
| Net charge-offs to loans | 0.0335% | 2,718 |
| Credit loss provision to net charge-offs | 315.7895% | 879 |
| Earnings coverage of net charge-offs (x) | 54.1053% | 1,061 |
| Efficiency ratio | 76.4921% | 1,311 |
| Assets per employee ($millions) | 4.8575% | 2,765 |
| Cash dividends to net income (ytd only)* | 22.5032% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 425 |
| Loan loss allowance to noncurrent loans | 92.7914% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 1,079 |
| Noncurrent loans to loans | 2.2112% | 556 |
| Net loans and leases to total assets | 49.5467% | 4,345 |
| Net loans and leases to deposits | 55.2429% | 4,491 |
| Net loans and leases to core deposits | 57.5290% | 4,539 |
| Total domestic deposits to total assets | 89.6887% | 429 |
| Equity capital to assets | 9.7932% | 4,108 |
| Core capital (leverage) ratio | 9.5916% | 3,971 |
| Tier 1 risk-based capital ratio | 15.7419% | 2,490 |
| Total risk-based capital ratio | 16.9976% | 2,423 |
| Memoranda: | ||
| Average total assets | $113,154,800 | 3,787 |
| Average earning assets | $105,433,200 | 3,787 |
| Average equity | $10,884,400 | 4,139 |
| Average total loans | $56,786,600 | 4,034 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 3,553 |
| Cost of funding earning assets | 0.6587% | 3,405 |
| Net interest margin | 3.6795% | 2,994 |
| Noninterest income to average assets | 0.4702% | 2,907 |
| Noninterest expense to average assets | 2.9421% | 2,121 |
| Loan and lease loss provision to assets | 0.0534% | 2,841 |
| Net operating income to assets | 0.7342% | 3,899 |
| Return on assets (ROA) | 0.7361% | 3,960 |
| Pretax return on assets | 0.9059% | 3,861 |
| Return on Equity (ROE) | 7.6889% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.6889% | 1,544 |
| Net charge-offs to loans | 0.0332% | 2,409 |
| Credit loss provision to net charge-offs | 321.4286% | 913 |
| Earnings coverage of net charge-offs (x) | 57.5597% | 1,086 |
| Efficiency ratio | 75.4568% | 1,395 |
| Assets per employee ($millions) | 4.7564% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0519% | 420 |
| Loan loss allowance to noncurrent loans | 97.2447% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 1,216 |
| Noncurrent loans to loans | 2.1101% | 627 |
| Net loans and leases to total assets | 50.1791% | 4,420 |
| Net loans and leases to deposits | 56.1166% | 4,544 |
| Net loans and leases to core deposits | 58.4888% | 4,587 |
| Total domestic deposits to total assets | 89.4195% | 470 |
| Equity capital to assets | 10.0348% | 3,985 |
| Core capital (leverage) ratio | 9.8809% | 3,757 |
| Tier 1 risk-based capital ratio | 16.0690% | 2,401 |
| Total risk-based capital ratio | 17.3243% | 2,346 |
| Memoranda: | ||
| Average total assets | $112,298,250 | 3,842 |
| Average earning assets | $104,649,000 | 3,836 |
| Average equity | $10,751,250 | 4,192 |
| Average total loans | $56,240,250 | 4,093 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 3,493 |
| Cost of funding earning assets | 0.6227% | 3,539 |
| Net interest margin | 3.7267% | 2,844 |
| Noninterest income to average assets | 0.4674% | 2,861 |
| Noninterest expense to average assets | 2.9011% | 2,280 |
| Loan and lease loss provision to assets | 0.0537% | 2,748 |
| Net operating income to assets | 0.7912% | 3,688 |
| Return on assets (ROA) | 0.7898% | 3,751 |
| Pretax return on assets | 0.9832% | 3,603 |
| Return on Equity (ROE) | 8.3867% | 3,118 |
| Retained earnings to average equity (ytd only) | 8.3867% | 1,245 |
| Net charge-offs to loans | 0.0613% | 1,767 |
| Credit loss provision to net charge-offs | 176.4706% | 1,330 |
| Earnings coverage of net charge-offs (x) | 34.1176% | 1,364 |
| Efficiency ratio | 73.6364% | 1,683 |
| Assets per employee ($millions) | 5.0712% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0862% | 405 |
| Loan loss allowance to noncurrent loans | 97.1241% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0434% | 1,319 |
| Noncurrent loans to loans | 2.1479% | 634 |
| Net loans and leases to total assets | 47.5634% | 4,586 |
| Net loans and leases to deposits | 52.8267% | 4,716 |
| Net loans and leases to core deposits | 54.9931% | 4,749 |
| Total domestic deposits to total assets | 90.0367% | 321 |
| Equity capital to assets | 9.5286% | 4,379 |
| Core capital (leverage) ratio | 9.8688% | 3,740 |
| Tier 1 risk-based capital ratio | 16.2559% | 2,308 |
| Total risk-based capital ratio | 17.5126% | 2,256 |
| Memoranda: | ||
| Average total assets | $111,680,000 | 3,874 |
| Average earning assets | $104,061,000 | 3,869 |
| Average equity | $10,516,670 | 4,234 |
| Average total loans | $55,493,330 | 4,135 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 2,693 |
| Cost of funding earning assets | 0.6034% | 3,552 |
| Net interest margin | 3.9477% | 2,029 |
| Noninterest income to average assets | 0.4872% | 2,627 |
| Noninterest expense to average assets | 3.0256% | 1,917 |
| Loan and lease loss provision to assets | 0.0549% | 2,570 |
| Net operating income to assets | 0.8571% | 3,418 |
| Return on assets (ROA) | 0.8571% | 3,462 |
| Pretax return on assets | 1.0733% | 3,226 |
| Return on Equity (ROE) | 9.1603% | 2,727 |
| Retained earnings to average equity (ytd only) | 9.1603% | 1,257 |
| Net charge-offs to loans | 0.0364% | 1,748 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 61.6000% | 903 |
| Efficiency ratio | 72.8395% | 1,903 |
| Assets per employee ($millions) | 4.8170% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1531% | 383 |
| Loan loss allowance to noncurrent loans | 82.3899% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 1,017 |
| Noncurrent loans to loans | 2.6134% | 489 |
| Net loans and leases to total assets | 48.3595% | 4,568 |
| Net loans and leases to deposits | 53.6300% | 4,687 |
| Net loans and leases to core deposits | 55.9374% | 4,720 |
| Total domestic deposits to total assets | 90.1725% | 394 |
| Equity capital to assets | 9.5044% | 4,256 |
| Core capital (leverage) ratio | 9.9067% | 3,702 |
| Tier 1 risk-based capital ratio | 16.7565% | 2,188 |
| Total risk-based capital ratio | 18.0131% | 2,137 |
| Memoranda: | ||
| Average total assets | $109,201,000 | 3,949 |
| Average earning assets | $101,426,000 | 3,951 |
| Average equity | $10,218,000 | 4,296 |
| Average total loans | $54,910,500 | 4,189 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 3,686 |
| Cost of funding earning assets | 0.4565% | 3,636 |
| Net interest margin | 3.6617% | 3,186 |
| Noninterest income to average assets | 0.4812% | 2,939 |
| Noninterest expense to average assets | 2.9059% | 2,333 |
| Loan and lease loss provision to assets | 0.0558% | 3,051 |
| Net operating income to assets | 0.7437% | 3,994 |
| Return on assets (ROA) | 0.7437% | 3,996 |
| Pretax return on assets | 0.9094% | 3,871 |
| Return on Equity (ROE) | 8.2699% | 3,332 |
| Retained earnings to average equity (ytd only) | 6.7691% | 1,771 |
| Net charge-offs to loans | 0.1223% | 1,512 |
| Credit loss provision to net charge-offs | 89.5522% | 2,727 |
| Earnings coverage of net charge-offs (x) | 15.4776% | 2,323 |
| Efficiency ratio | 75.0661% | 1,484 |
| Assets per employee ($millions) | 4.6787% | 2,908 |
| Cash dividends to net income (ytd only)* | 18.1477% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1230% | 386 |
| Loan loss allowance to noncurrent loans | 71.4548% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 770 |
| Noncurrent loans to loans | 2.9711% | 346 |
| Net loans and leases to total assets | 50.0832% | 4,513 |
| Net loans and leases to deposits | 55.3570% | 4,691 |
| Net loans and leases to core deposits | 57.7944% | 4,709 |
| Total domestic deposits to total assets | 90.4731% | 332 |
| Equity capital to assets | 9.2054% | 4,400 |
| Core capital (leverage) ratio | 9.7108% | 3,896 |
| Tier 1 risk-based capital ratio | 16.7129% | 2,166 |
| Total risk-based capital ratio | 17.9702% | 2,106 |
| Memoranda: | ||
| Average total assets | $107,437,800 | 3,975 |
| Average earning assets | $99,461,600 | 3,986 |
| Average equity | $9,661,600 | 4,356 |
| Average total loans | $54,802,200 | 4,213 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 3,756 |
| Cost of funding earning assets | 0.4240% | 3,700 |
| Net interest margin | 3.6365% | 3,241 |
| Noninterest income to average assets | 0.4755% | 3,008 |
| Noninterest expense to average assets | 2.9361% | 2,205 |
| Loan and lease loss provision to assets | 0.0559% | 2,856 |
| Net operating income to assets | 0.6990% | 4,224 |
| Return on assets (ROA) | 0.6990% | 4,234 |
| Pretax return on assets | 0.8479% | 4,172 |
| Return on Equity (ROE) | 7.8189% | 3,619 |
| Retained earnings to average equity (ytd only) | 7.8189% | 1,738 |
| Net charge-offs to loans | 0.0365% | 2,351 |
| Credit loss provision to net charge-offs | 300.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 48.5320% | 1,189 |
| Efficiency ratio | 76.4630% | 1,291 |
| Assets per employee ($millions) | 4.7182% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1635% | 383 |
| Loan loss allowance to noncurrent loans | 67.1492% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.6550% | 752 |
| Noncurrent loans to loans | 3.2219% | 323 |
| Net loans and leases to total assets | 50.2566% | 4,575 |
| Net loans and leases to deposits | 55.4214% | 4,776 |
| Net loans and leases to core deposits | 57.3655% | 4,810 |
| Total domestic deposits to total assets | 90.6809% | 298 |
| Equity capital to assets | 8.9625% | 4,583 |
| Core capital (leverage) ratio | 9.5524% | 4,112 |
| Tier 1 risk-based capital ratio | 16.0362% | 2,437 |
| Total risk-based capital ratio | 17.2941% | 2,371 |
| Memoranda: | ||
| Average total assets | $107,394,500 | 4,023 |
| Average earning assets | $99,361,000 | 4,025 |
| Average equity | $9,600,500 | 4,404 |
| Average total loans | $54,736,750 | 4,256 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 3,740 |
| Cost of funding earning assets | 0.3701% | 3,935 |
| Net interest margin | 3.6448% | 3,136 |
| Noninterest income to average assets | 0.4859% | 2,940 |
| Noninterest expense to average assets | 2.9565% | 2,182 |
| Loan and lease loss provision to assets | 0.0561% | 2,787 |
| Net operating income to assets | 0.6933% | 4,212 |
| Return on assets (ROA) | 0.6933% | 4,216 |
| Pretax return on assets | 0.8410% | 4,132 |
| Return on Equity (ROE) | 7.7626% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.7626% | 1,723 |
| Net charge-offs to loans | 0.0699% | 1,641 |
| Credit loss provision to net charge-offs | 157.8947% | 1,526 |
| Earnings coverage of net charge-offs (x) | 25.2632% | 1,646 |
| Efficiency ratio | 76.7216% | 1,345 |
| Assets per employee ($millions) | 4.5301% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1342% | 419 |
| Loan loss allowance to noncurrent loans | 63.7487% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 713 |
| Noncurrent loans to loans | 3.3478% | 307 |
| Net loans and leases to total assets | 50.0653% | 4,604 |
| Net loans and leases to deposits | 55.1076% | 4,793 |
| Net loans and leases to core deposits | 57.4899% | 4,815 |
| Total domestic deposits to total assets | 90.8501% | 290 |
| Equity capital to assets | 8.8777% | 4,664 |
| Core capital (leverage) ratio | 9.5096% | 4,106 |
| Tier 1 risk-based capital ratio | 15.6273% | 2,578 |
| Total risk-based capital ratio | 16.8840% | 2,526 |
| Memoranda: | ||
| Average total assets | $107,019,670 | 4,066 |
| Average earning assets | $98,880,670 | 4,071 |
| Average equity | $9,558,670 | 4,447 |
| Average total loans | $54,401,000 | 4,293 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 3,597 |
| Cost of funding earning assets | 0.3639% | 3,881 |
| Net interest margin | 3.6391% | 3,033 |
| Noninterest income to average assets | 0.4559% | 3,072 |
| Noninterest expense to average assets | 2.9764% | 2,120 |
| Loan and lease loss provision to assets | 0.0565% | 2,638 |
| Net operating income to assets | 0.6443% | 4,298 |
| Return on assets (ROA) | 0.6443% | 4,308 |
| Pretax return on assets | 0.7761% | 4,209 |
| Return on Equity (ROE) | 7.1909% | 3,705 |
| Retained earnings to average equity (ytd only) | 7.1909% | 2,187 |
| Net charge-offs to loans | 0.1041% | 1,162 |
| Credit loss provision to net charge-offs | 107.1429% | 1,472 |
| Earnings coverage of net charge-offs (x) | 15.7857% | 1,652 |
| Efficiency ratio | 78.1405% | 1,341 |
| Assets per employee ($millions) | 4.6211% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 412 |
| Loan loss allowance to noncurrent loans | 91.3820% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2118% | 1,254 |
| Noncurrent loans to loans | 2.3707% | 597 |
| Net loans and leases to total assets | 50.0089% | 4,556 |
| Net loans and leases to deposits | 55.1449% | 4,737 |
| Net loans and leases to core deposits | 57.5855% | 4,771 |
| Total domestic deposits to total assets | 90.6864% | 416 |
| Equity capital to assets | 8.9232% | 4,636 |
| Core capital (leverage) ratio | 9.3563% | 4,250 |
| Tier 1 risk-based capital ratio | 15.9748% | 2,482 |
| Total risk-based capital ratio | 17.2323% | 2,420 |
| Memoranda: | ||
| Average total assets | $106,168,500 | 4,121 |
| Average earning assets | $97,827,000 | 4,131 |
| Average equity | $9,512,000 | 4,504 |
| Average total loans | $53,792,000 | 4,355 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 2,767 |
| Cost of funding earning assets | 0.3074% | 4,063 |
| Net interest margin | 3.8710% | 2,184 |
| Noninterest income to average assets | 0.4679% | 3,206 |
| Noninterest expense to average assets | 2.9284% | 2,360 |
| Loan and lease loss provision to assets | 0.0865% | 2,461 |
| Net operating income to assets | 0.6521% | 3,810 |
| Return on assets (ROA) | 0.6533% | 3,843 |
| Pretax return on assets | 1.0607% | 3,339 |
| Return on Equity (ROE) | 7.3153% | 3,112 |
| Retained earnings to average equity (ytd only) | 5.8200% | 1,645 |
| Net charge-offs to loans | -0.0935% | 5,354 |
| Credit loss provision to net charge-offs | -176.4706% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8868% | 2,241 |
| Assets per employee ($millions) | 4.4188% | 3,322 |
| Cash dividends to net income (ytd only)* | 20.4412% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2082% | 364 |
| Loan loss allowance to noncurrent loans | 94.8387% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 1,269 |
| Noncurrent loans to loans | 2.3284% | 603 |
| Net loans and leases to total assets | 49.1070% | 4,698 |
| Net loans and leases to deposits | 54.1717% | 4,883 |
| Net loans and leases to core deposits | 56.5707% | 4,910 |
| Total domestic deposits to total assets | 90.6508% | 350 |
| Equity capital to assets | 8.9956% | 4,727 |
| Core capital (leverage) ratio | 9.1857% | 4,415 |
| Tier 1 risk-based capital ratio | 15.6044% | 2,584 |
| Total risk-based capital ratio | 16.8620% | 2,518 |
| Memoranda: | ||
| Average total assets | $104,082,600 | 4,166 |
| Average earning assets | $96,950,600 | 4,148 |
| Average equity | $9,295,600 | 4,563 |
| Average total loans | $54,549,000 | 4,344 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 2,949 |
| Cost of funding earning assets | 0.2946% | 4,184 |
| Net interest margin | 3.8172% | 2,334 |
| Noninterest income to average assets | 0.4543% | 3,312 |
| Noninterest expense to average assets | 2.8728% | 2,499 |
| Loan and lease loss provision to assets | 0.0965% | 2,170 |
| Net operating income to assets | 0.7627% | 3,681 |
| Return on assets (ROA) | 0.7645% | 3,731 |
| Pretax return on assets | 1.0567% | 3,468 |
| Return on Equity (ROE) | 8.5763% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.5763% | 981 |
| Net charge-offs to loans | -0.1239% | 5,432 |
| Credit loss provision to net charge-offs | -147.0588% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4012% | 2,302 |
| Assets per employee ($millions) | 4.4005% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0166% | 555 |
| Loan loss allowance to noncurrent loans | 167.7746% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 2,538 |
| Noncurrent loans to loans | 1.2020% | 1,587 |
| Net loans and leases to total assets | 53.4120% | 4,463 |
| Net loans and leases to deposits | 59.2841% | 4,673 |
| Net loans and leases to core deposits | 61.9325% | 4,712 |
| Total domestic deposits to total assets | 90.0950% | 444 |
| Equity capital to assets | 9.1438% | 4,784 |
| Core capital (leverage) ratio | 9.5037% | 4,163 |
| Tier 1 risk-based capital ratio | 15.5041% | 2,703 |
| Total risk-based capital ratio | 16.7611% | 2,653 |
| Memoranda: | ||
| Average total assets | $103,590,250 | 4,211 |
| Average earning assets | $96,856,250 | 4,193 |
| Average equity | $9,234,500 | 4,626 |
| Average total loans | $54,872,500 | 4,367 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 2,843 |
| Cost of funding earning assets | 0.2842% | 4,242 |
| Net interest margin | 3.8112% | 2,248 |
| Noninterest income to average assets | 0.4489% | 3,359 |
| Noninterest expense to average assets | 2.8295% | 2,651 |
| Loan and lease loss provision to assets | 0.1166% | 1,762 |
| Net operating income to assets | 0.7765% | 3,515 |
| Return on assets (ROA) | 0.7793% | 3,543 |
| Pretax return on assets | 1.0766% | 3,278 |
| Return on Equity (ROE) | 8.8193% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.8193% | 893 |
| Net charge-offs to loans | -0.1223% | 5,474 |
| Credit loss provision to net charge-offs | -181.8182% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4062% | 2,600 |
| Assets per employee ($millions) | 4.5552% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0312% | 572 |
| Loan loss allowance to noncurrent loans | 165.3959% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 2,601 |
| Noncurrent loans to loans | 1.2281% | 1,582 |
| Net loans and leases to total assets | 51.9299% | 4,578 |
| Net loans and leases to deposits | 57.4344% | 4,772 |
| Net loans and leases to core deposits | 59.5158% | 4,843 |
| Total domestic deposits to total assets | 90.4161% | 385 |
| Equity capital to assets | 9.0598% | 4,843 |
| Core capital (leverage) ratio | 9.4258% | 4,206 |
| Tier 1 risk-based capital ratio | 15.8031% | 2,584 |
| Total risk-based capital ratio | 17.0609% | 2,519 |
| Memoranda: | ||
| Average total assets | $102,916,000 | 4,257 |
| Average earning assets | $96,399,670 | 4,225 |
| Average equity | $9,093,670 | 4,669 |
| Average total loans | $53,973,000 | 4,422 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 3,356 |
| Cost of funding earning assets | 0.2774% | 4,276 |
| Net interest margin | 3.6360% | 2,753 |
| Noninterest income to average assets | 0.4589% | 3,263 |
| Noninterest expense to average assets | 2.9297% | 2,364 |
| Loan and lease loss provision to assets | 0.1177% | 1,623 |
| Net operating income to assets | 0.6001% | 4,163 |
| Return on assets (ROA) | 0.6001% | 4,214 |
| Pretax return on assets | 0.8040% | 4,097 |
| Return on Equity (ROE) | 6.8807% | 3,457 |
| Retained earnings to average equity (ytd only) | 6.8807% | 1,899 |
| Net charge-offs to loans | 0.1354% | 1,119 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 13.0556% | 1,807 |
| Efficiency ratio | 76.0692% | 1,893 |
| Assets per employee ($millions) | 4.4721% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 737 |
| Loan loss allowance to noncurrent loans | 85.2033% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1958% | 1,474 |
| Noncurrent loans to loans | 2.2859% | 725 |
| Net loans and leases to total assets | 51.2940% | 4,567 |
| Net loans and leases to deposits | 56.5451% | 4,782 |
| Net loans and leases to core deposits | 58.6235% | 4,849 |
| Total domestic deposits to total assets | 90.7134% | 388 |
| Equity capital to assets | 8.7567% | 5,035 |
| Core capital (leverage) ratio | 9.3044% | 4,336 |
| Tier 1 risk-based capital ratio | 15.3577% | 2,812 |
| Total risk-based capital ratio | 16.6138% | 2,742 |
| Memoranda: | ||
| Average total assets | $101,989,000 | 4,311 |
| Average earning assets | $95,160,000 | 4,290 |
| Average equity | $8,894,500 | 4,734 |
| Average total loans | $53,192,000 | 4,478 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 3,248 |
| Cost of funding earning assets | 0.2709% | 4,357 |
| Net interest margin | 3.7145% | 2,629 |
| Noninterest income to average assets | 0.4657% | 3,446 |
| Noninterest expense to average assets | 2.9636% | 2,454 |
| Loan and lease loss provision to assets | 0.1184% | 2,095 |
| Net operating income to assets | 0.6383% | 4,049 |
| Return on assets (ROA) | 0.6383% | 4,159 |
| Pretax return on assets | 0.8603% | 3,974 |
| Return on Equity (ROE) | 7.2226% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.6709% | 1,906 |
| Net charge-offs to loans | 0.2094% | 1,330 |
| Credit loss provision to net charge-offs | 106.1947% | 2,452 |
| Earnings coverage of net charge-offs (x) | 8.7788% | 2,834 |
| Efficiency ratio | 75.1752% | 2,113 |
| Assets per employee ($millions) | 4.2133% | 3,598 |
| Cash dividends to net income (ytd only)* | 21.4838% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 696 |
| Loan loss allowance to noncurrent loans | 76.6099% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3360% | 1,299 |
| Noncurrent loans to loans | 2.5696% | 603 |
| Net loans and leases to total assets | 50.9701% | 4,693 |
| Net loans and leases to deposits | 56.1369% | 4,907 |
| Net loans and leases to core deposits | 57.8729% | 4,972 |
| Total domestic deposits to total assets | 90.7961% | 348 |
| Equity capital to assets | 8.6847% | 5,119 |
| Core capital (leverage) ratio | 9.0277% | 4,708 |
| Tier 1 risk-based capital ratio | 15.5641% | 2,719 |
| Total risk-based capital ratio | 16.8195% | 2,650 |
| Memoranda: | ||
| Average total assets | $101,363,000 | 4,327 |
| Average earning assets | $94,871,000 | 4,292 |
| Average equity | $8,958,000 | 4,773 |
| Average total loans | $53,968,200 | 4,460 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 3,122 |
| Cost of funding earning assets | 0.2699% | 4,393 |
| Net interest margin | 3.7570% | 2,498 |
| Noninterest income to average assets | 0.4667% | 3,449 |
| Noninterest expense to average assets | 2.9342% | 2,524 |
| Loan and lease loss provision to assets | 0.1183% | 1,955 |
| Net operating income to assets | 0.6796% | 3,965 |
| Return on assets (ROA) | 0.6796% | 4,089 |
| Pretax return on assets | 0.9281% | 3,881 |
| Return on Equity (ROE) | 7.6574% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.6574% | 1,332 |
| Net charge-offs to loans | 0.1055% | 1,888 |
| Credit loss provision to net charge-offs | 209.3023% | 1,396 |
| Earnings coverage of net charge-offs (x) | 18.5123% | 1,992 |
| Efficiency ratio | 73.7120% | 2,344 |
| Assets per employee ($millions) | 4.2637% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 797 |
| Loan loss allowance to noncurrent loans | 74.3945% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 1,310 |
| Noncurrent loans to loans | 2.6095% | 647 |
| Net loans and leases to total assets | 53.0637% | 4,571 |
| Net loans and leases to deposits | 58.7391% | 4,835 |
| Net loans and leases to core deposits | 60.7446% | 4,895 |
| Total domestic deposits to total assets | 90.3379% | 368 |
| Equity capital to assets | 9.0914% | 5,083 |
| Core capital (leverage) ratio | 9.0842% | 4,737 |
| Tier 1 risk-based capital ratio | 15.0427% | 3,033 |
| Total risk-based capital ratio | 16.2987% | 2,964 |
| Memoranda: | ||
| Average total assets | $101,423,750 | 4,366 |
| Average earning assets | $94,861,250 | 4,331 |
| Average equity | $9,002,000 | 4,808 |
| Average total loans | $54,316,250 | 4,486 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 2,891 |
| Cost of funding earning assets | 0.2718% | 4,422 |
| Net interest margin | 3.8215% | 2,234 |
| Noninterest income to average assets | 0.4826% | 3,315 |
| Noninterest expense to average assets | 2.9212% | 2,610 |
| Loan and lease loss provision to assets | 0.1187% | 1,919 |
| Net operating income to assets | 0.7437% | 3,578 |
| Return on assets (ROA) | 0.7437% | 3,736 |
| Pretax return on assets | 1.0304% | 3,481 |
| Return on Equity (ROE) | 8.4479% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.4479% | 1,029 |
| Net charge-offs to loans | 0.1001% | 1,831 |
| Credit loss provision to net charge-offs | 222.2222% | 1,206 |
| Earnings coverage of net charge-offs (x) | 21.5185% | 1,676 |
| Efficiency ratio | 71.7687% | 2,700 |
| Assets per employee ($millions) | 4.2714% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 750 |
| Loan loss allowance to noncurrent loans | 84.5418% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 1,681 |
| Noncurrent loans to loans | 2.3565% | 763 |
| Net loans and leases to total assets | 50.9155% | 4,771 |
| Net loans and leases to deposits | 56.2495% | 4,996 |
| Net loans and leases to core deposits | 57.3628% | 5,105 |
| Total domestic deposits to total assets | 90.5173% | 314 |
| Equity capital to assets | 8.9920% | 5,243 |
| Core capital (leverage) ratio | 9.0191% | 4,805 |
| Tier 1 risk-based capital ratio | 15.2616% | 2,952 |
| Total risk-based capital ratio | 16.5188% | 2,886 |
| Memoranda: | ||
| Average total assets | $101,122,330 | 4,404 |
| Average earning assets | $94,935,670 | 4,364 |
| Average equity | $8,901,670 | 4,859 |
| Average total loans | $53,963,670 | 4,530 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 2,805 |
| Cost of funding earning assets | 0.2719% | 4,479 |
| Net interest margin | 3.8408% | 2,140 |
| Noninterest income to average assets | 0.4102% | 3,746 |
| Noninterest expense to average assets | 3.0111% | 2,359 |
| Loan and lease loss provision to assets | 0.1195% | 1,764 |
| Net operating income to assets | 0.6492% | 3,977 |
| Return on assets (ROA) | 0.6492% | 4,099 |
| Pretax return on assets | 0.8802% | 3,929 |
| Return on Equity (ROE) | 7.4570% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.4570% | 1,685 |
| Net charge-offs to loans | 0.5449% | 400 |
| Credit loss provision to net charge-offs | 40.5405% | 2,141 |
| Earnings coverage of net charge-offs (x) | 3.3919% | 2,549 |
| Efficiency ratio | 75.0745% | 2,318 |
| Assets per employee ($millions) | 4.1228% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 1,060 |
| Loan loss allowance to noncurrent loans | 74.7153% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 1,264 |
| Noncurrent loans to loans | 2.4755% | 766 |
| Net loans and leases to total assets | 52.7732% | 4,551 |
| Net loans and leases to deposits | 58.6429% | 4,807 |
| Net loans and leases to core deposits | 60.3258% | 4,920 |
| Total domestic deposits to total assets | 89.9907% | 602 |
| Equity capital to assets | 8.9694% | 5,198 |
| Core capital (leverage) ratio | 8.8737% | 4,992 |
| Tier 1 risk-based capital ratio | 15.1230% | 3,096 |
| Total risk-based capital ratio | 16.3780% | 3,033 |
| Memoranda: | ||
| Average total assets | $100,427,000 | 4,460 |
| Average earning assets | $94,146,000 | 4,423 |
| Average equity | $8,743,500 | 4,913 |
| Average total loans | $54,317,500 | 4,543 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 2,994 |
| Cost of funding earning assets | 0.2902% | 4,366 |
| Net interest margin | 3.7910% | 2,407 |
| Noninterest income to average assets | 0.4470% | 3,697 |
| Noninterest expense to average assets | 2.8188% | 3,154 |
| Loan and lease loss provision to assets | 0.1218% | 1,967 |
| Net operating income to assets | 0.7388% | 3,626 |
| Return on assets (ROA) | 0.7388% | 3,725 |
| Pretax return on assets | 1.0483% | 3,274 |
| Return on Equity (ROE) | 9.0038% | 2,455 |
| Retained earnings to average equity (ytd only) | 7.3994% | 1,128 |
| Net charge-offs to loans | 0.1905% | 1,522 |
| Credit loss provision to net charge-offs | 119.2308% | 2,158 |
| Earnings coverage of net charge-offs (x) | 11.4519% | 2,576 |
| Efficiency ratio | 70.6650% | 3,116 |
| Assets per employee ($millions) | 4.2461% | 3,497 |
| Cash dividends to net income (ytd only)* | 17.8191% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 1,045 |
| Loan loss allowance to noncurrent loans | 54.3915% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.8547% | 1,006 |
| Noncurrent loans to loans | 3.4095% | 422 |
| Net loans and leases to total assets | 53.3874% | 4,552 |
| Net loans and leases to deposits | 58.6627% | 4,872 |
| Net loans and leases to core deposits | 60.9266% | 4,930 |
| Total domestic deposits to total assets | 91.0074% | 279 |
| Equity capital to assets | 8.4509% | 5,602 |
| Core capital (leverage) ratio | 8.7097% | 5,203 |
| Tier 1 risk-based capital ratio | 14.6176% | 3,369 |
| Total risk-based capital ratio | 15.8732% | 3,295 |
| Memoranda: | ||
| Average total assets | $101,780,000 | 4,427 |
| Average earning assets | $95,092,800 | 4,414 |
| Average equity | $8,352,000 | 4,994 |
| Average total loans | $54,598,000 | 4,541 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 2,896 |
| Cost of funding earning assets | 0.2965% | 4,379 |
| Net interest margin | 3.8140% | 2,333 |
| Noninterest income to average assets | 0.4482% | 3,728 |
| Noninterest expense to average assets | 2.7348% | 3,449 |
| Loan and lease loss provision to assets | 0.1232% | 1,847 |
| Net operating income to assets | 0.7967% | 3,442 |
| Return on assets (ROA) | 0.7967% | 3,536 |
| Pretax return on assets | 1.1466% | 3,032 |
| Return on Equity (ROE) | 9.7822% | 2,185 |
| Retained earnings to average equity (ytd only) | 9.7822% | 673 |
| Net charge-offs to loans | 0.2108% | 1,232 |
| Credit loss provision to net charge-offs | 109.3023% | 2,123 |
| Earnings coverage of net charge-offs (x) | 11.2678% | 2,507 |
| Efficiency ratio | 68.2919% | 3,485 |
| Assets per employee ($millions) | 4.4026% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 1,183 |
| Loan loss allowance to noncurrent loans | 48.9403% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 982 |
| Noncurrent loans to loans | 3.7726% | 377 |
| Net loans and leases to total assets | 53.3409% | 4,636 |
| Net loans and leases to deposits | 58.7079% | 4,940 |
| Net loans and leases to core deposits | 60.7837% | 5,015 |
| Total domestic deposits to total assets | 90.8582% | 289 |
| Equity capital to assets | 8.4722% | 5,723 |
| Core capital (leverage) ratio | 8.7026% | 5,348 |
| Tier 1 risk-based capital ratio | 14.6380% | 3,477 |
| Total risk-based capital ratio | 17.1489% | 2,784 |
| Memoranda: | ||
| Average total assets | $101,748,500 | 4,477 |
| Average earning assets | $94,875,500 | 4,461 |
| Average equity | $8,287,000 | 5,073 |
| Average total loans | $54,389,250 | 4,592 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 2,512 |
| Cost of funding earning assets | 0.3078% | 4,315 |
| Net interest margin | 3.9025% | 1,968 |
| Noninterest income to average assets | 0.4494% | 3,713 |
| Noninterest expense to average assets | 2.7102% | 3,564 |
| Loan and lease loss provision to assets | 0.1177% | 1,883 |
| Net operating income to assets | 0.8635% | 3,067 |
| Return on assets (ROA) | 0.8635% | 3,166 |
| Pretax return on assets | 1.2540% | 2,532 |
| Return on Equity (ROE) | 10.7452% | 1,765 |
| Retained earnings to average equity (ytd only) | 10.7452% | 537 |
| Net charge-offs to loans | 0.2880% | 909 |
| Credit loss provision to net charge-offs | 76.9231% | 2,367 |
| Earnings coverage of net charge-offs (x) | 8.9615% | 2,505 |
| Efficiency ratio | 66.3942% | 3,945 |
| Assets per employee ($millions) | 4.1382% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8781% | 1,214 |
| Loan loss allowance to noncurrent loans | 51.4821% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.9362% | 1,156 |
| Noncurrent loans to loans | 3.6481% | 469 |
| Net loans and leases to total assets | 52.0787% | 4,748 |
| Net loans and leases to deposits | 57.2740% | 5,043 |
| Net loans and leases to core deposits | 58.8772% | 5,141 |
| Total domestic deposits to total assets | 90.9290% | 319 |
| Equity capital to assets | 8.4104% | 5,749 |
| Core capital (leverage) ratio | 8.5548% | 5,483 |
| Tier 1 risk-based capital ratio | 14.8280% | 3,458 |
| Total risk-based capital ratio | 17.3378% | 2,769 |
| Memoranda: | ||
| Average total assets | $101,911,330 | 4,514 |
| Average earning assets | $94,862,000 | 4,498 |
| Average equity | $8,189,670 | 5,127 |
| Average total loans | $54,176,000 | 4,639 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 1,717 |
| Cost of funding earning assets | 0.3135% | 4,291 |
| Net interest margin | 4.1011% | 1,274 |
| Noninterest income to average assets | 0.4651% | 3,536 |
| Noninterest expense to average assets | 2.5579% | 4,072 |
| Loan and lease loss provision to assets | 0.1163% | 1,776 |
| Net operating income to assets | 1.0736% | 1,959 |
| Return on assets (ROA) | 1.0736% | 2,078 |
| Pretax return on assets | 1.5929% | 1,284 |
| Return on Equity (ROE) | 13.6655% | 947 |
| Retained earnings to average equity (ytd only) | 13.6655% | 385 |
| Net charge-offs to loans | 0.3788% | 649 |
| Credit loss provision to net charge-offs | 57.6923% | 2,026 |
| Earnings coverage of net charge-offs (x) | 8.4808% | 2,085 |
| Efficiency ratio | 59.9455% | 5,093 |
| Assets per employee ($millions) | 4.2378% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 1,545 |
| Loan loss allowance to noncurrent loans | 49.7728% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.9478% | 1,232 |
| Noncurrent loans to loans | 3.5695% | 526 |
| Net loans and leases to total assets | 53.5976% | 4,490 |
| Net loans and leases to deposits | 60.4453% | 4,710 |
| Net loans and leases to core deposits | 62.1382% | 4,830 |
| Total domestic deposits to total assets | 88.6713% | 1,464 |
| Equity capital to assets | 8.1578% | 5,960 |
| Core capital (leverage) ratio | 8.2396% | 5,782 |
| Tier 1 risk-based capital ratio | 13.9644% | 4,047 |
| Total risk-based capital ratio | 15.2189% | 3,961 |
| Memoranda: | ||
| Average total assets | $103,208,500 | 4,520 |
| Average earning assets | $95,681,000 | 4,515 |
| Average equity | $8,108,000 | 5,190 |
| Average total loans | $54,907,500 | 4,643 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,845 |
| Cost of funding earning assets | 0.3944% | 3,747 |
| Net interest margin | 3.5734% | 3,502 |
| Noninterest income to average assets | 0.4526% | 3,814 |
| Noninterest expense to average assets | 2.7585% | 3,646 |
| Loan and lease loss provision to assets | 0.1151% | 2,250 |
| Net operating income to assets | 0.6437% | 4,178 |
| Return on assets (ROA) | 0.6472% | 4,257 |
| Pretax return on assets | 0.8850% | 3,949 |
| Return on Equity (ROE) | 8.8416% | 2,664 |
| Retained earnings to average equity (ytd only) | 7.0863% | 1,361 |
| Net charge-offs to loans | 0.0503% | 3,825 |
| Credit loss provision to net charge-offs | 461.5385% | 571 |
| Earnings coverage of net charge-offs (x) | 39.9231% | 1,086 |
| Efficiency ratio | 73.4866% | 2,932 |
| Assets per employee ($millions) | 4.1884% | 3,566 |
| Cash dividends to net income (ytd only)* | 19.8519% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 1,409 |
| Loan loss allowance to noncurrent loans | 50.8834% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 2.0103% | 1,267 |
| Noncurrent loans to loans | 3.6471% | 542 |
| Net loans and leases to total assets | 50.9106% | 4,881 |
| Net loans and leases to deposits | 55.6746% | 5,199 |
| Net loans and leases to core deposits | 57.5567% | 5,282 |
| Total domestic deposits to total assets | 91.4431% | 242 |
| Equity capital to assets | 7.5627% | 6,223 |
| Core capital (leverage) ratio | 7.8336% | 6,087 |
| Tier 1 risk-based capital ratio | 13.8020% | 4,234 |
| Total risk-based capital ratio | 15.0569% | 4,162 |
| Memoranda: | ||
| Average total assets | $104,297,200 | 4,496 |
| Average earning assets | $96,350,800 | 4,499 |
| Average equity | $7,634,400 | 5,286 |
| Average total loans | $51,692,800 | 4,761 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,956 |
| Cost of funding earning assets | 0.4061% | 3,711 |
| Net interest margin | 3.5458% | 3,644 |
| Noninterest income to average assets | 0.4428% | 3,940 |
| Noninterest expense to average assets | 2.7179% | 3,756 |
| Loan and lease loss provision to assets | 0.1152% | 2,134 |
| Net operating income to assets | 0.6543% | 4,194 |
| Return on assets (ROA) | 0.6590% | 4,271 |
| Pretax return on assets | 0.9009% | 3,979 |
| Return on Equity (ROE) | 9.0788% | 2,641 |
| Retained earnings to average equity (ytd only) | 9.0788% | 970 |
| Net charge-offs to loans | 0.1071% | 2,729 |
| Credit loss provision to net charge-offs | 219.5122% | 1,177 |
| Earnings coverage of net charge-offs (x) | 19.2422% | 1,794 |
| Efficiency ratio | 72.9145% | 3,016 |
| Assets per employee ($millions) | 4.1086% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 1,794 |
| Loan loss allowance to noncurrent loans | 49.9741% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 1.9968% | 1,441 |
| Noncurrent loans to loans | 3.5229% | 676 |
| Net loans and leases to total assets | 52.3171% | 4,773 |
| Net loans and leases to deposits | 57.5552% | 5,136 |
| Net loans and leases to core deposits | 60.8663% | 5,129 |
| Total domestic deposits to total assets | 90.8990% | 392 |
| Equity capital to assets | 7.7672% | 6,224 |
| Core capital (leverage) ratio | 7.7763% | 6,178 |
| Tier 1 risk-based capital ratio | 13.7723% | 4,372 |
| Total risk-based capital ratio | 15.0267% | 4,303 |
| Memoranda: | ||
| Average total assets | $104,193,750 | 4,538 |
| Average earning assets | $96,526,250 | 4,537 |
| Average equity | $7,563,250 | 5,342 |
| Average total loans | $51,036,750 | 4,830 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8465% | 4,348 |
| Cost of funding earning assets | 0.4138% | 3,727 |
| Net interest margin | 3.4327% | 4,051 |
| Noninterest income to average assets | 0.4356% | 3,985 |
| Noninterest expense to average assets | 2.6746% | 3,961 |
| Loan and lease loss provision to assets | 0.1146% | 2,121 |
| Net operating income to assets | 0.5856% | 4,427 |
| Return on assets (ROA) | 0.5999% | 4,451 |
| Pretax return on assets | 0.8845% | 3,944 |
| Return on Equity (ROE) | 8.4579% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.4579% | 1,154 |
| Net charge-offs to loans | 0.1646% | 2,073 |
| Credit loss provision to net charge-offs | 146.3415% | 1,480 |
| Earnings coverage of net charge-offs (x) | 12.4878% | 2,056 |
| Efficiency ratio | 73.2218% | 3,119 |
| Assets per employee ($millions) | 4.0453% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 1,770 |
| Loan loss allowance to noncurrent loans | 42.8768% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 2.0689% | 1,526 |
| Noncurrent loans to loans | 4.2621% | 534 |
| Net loans and leases to total assets | 47.6545% | 5,201 |
| Net loans and leases to deposits | 52.9406% | 5,431 |
| Net loans and leases to core deposits | 55.1846% | 5,470 |
| Total domestic deposits to total assets | 90.0150% | 798 |
| Equity capital to assets | 7.3922% | 6,370 |
| Core capital (leverage) ratio | 7.5465% | 6,302 |
| Tier 1 risk-based capital ratio | 14.0341% | 4,242 |
| Total risk-based capital ratio | 15.2898% | 4,171 |
| Memoranda: | ||
| Average total assets | $104,687,000 | 4,562 |
| Average earning assets | $98,114,000 | 4,523 |
| Average equity | $7,425,000 | 5,391 |
| Average total loans | $49,815,670 | 4,906 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 3,354 |
| Cost of funding earning assets | 0.4251% | 3,696 |
| Net interest margin | 3.6586% | 3,026 |
| Noninterest income to average assets | 0.4060% | 4,136 |
| Noninterest expense to average assets | 2.7499% | 3,750 |
| Loan and lease loss provision to assets | 0.1149% | 2,039 |
| Net operating income to assets | 0.6992% | 3,694 |
| Return on assets (ROA) | 0.7047% | 3,743 |
| Pretax return on assets | 0.9766% | 3,420 |
| Return on Equity (ROE) | 10.1517% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.1517% | 925 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7283% | 3,538 |
| Assets per employee ($millions) | 4.0132% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 1,717 |
| Loan loss allowance to noncurrent loans | 66.6196% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 2,463 |
| Noncurrent loans to loans | 2.8685% | 1,139 |
| Net loans and leases to total assets | 46.4386% | 5,285 |
| Net loans and leases to deposits | 52.5434% | 5,423 |
| Net loans and leases to core deposits | 53.2502% | 5,553 |
| Total domestic deposits to total assets | 88.3815% | 2,001 |
| Equity capital to assets | 7.0892% | 6,428 |
| Core capital (leverage) ratio | 7.4402% | 6,361 |
| Tier 1 risk-based capital ratio | 14.1421% | 4,229 |
| Total risk-based capital ratio | 15.3977% | 4,177 |
| Memoranda: | ||
| Average total assets | $104,441,500 | 4,619 |
| Average earning assets | $97,852,500 | 4,572 |
| Average equity | $7,250,000 | 5,455 |
| Average total loans | $49,196,000 | 4,963 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 4,340 |
| Cost of funding earning assets | 0.5069% | 3,538 |
| Net interest margin | 3.4269% | 4,178 |
| Noninterest income to average assets | 0.4714% | 3,951 |
| Noninterest expense to average assets | 2.6861% | 4,143 |
| Loan and lease loss provision to assets | 0.1610% | 2,266 |
| Net operating income to assets | 0.6032% | 4,244 |
| Return on assets (ROA) | 0.6032% | 4,363 |
| Pretax return on assets | 0.7984% | 4,146 |
| Return on Equity (ROE) | 8.7399% | 2,682 |
| Retained earnings to average equity (ytd only) | 6.8449% | 1,508 |
| Net charge-offs to loans | 0.0530% | 4,481 |
| Credit loss provision to net charge-offs | 634.6154% | 369 |
| Earnings coverage of net charge-offs (x) | 37.8077% | 992 |
| Efficiency ratio | 73.6814% | 3,185 |
| Assets per employee ($millions) | 4.0208% | 3,825 |
| Cash dividends to net income (ytd only)* | 21.6828% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8656% | 1,869 |
| Loan loss allowance to noncurrent loans | 54.3724% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 2,182 |
| Noncurrent loans to loans | 3.4311% | 931 |
| Net loans and leases to total assets | 45.9906% | 5,486 |
| Net loans and leases to deposits | 52.0781% | 5,616 |
| Net loans and leases to core deposits | 52.0781% | 5,796 |
| Total domestic deposits to total assets | 88.3108% | 1,998 |
| Equity capital to assets | 6.7945% | 6,511 |
| Core capital (leverage) ratio | 7.2320% | 6,468 |
| Tier 1 risk-based capital ratio | 13.9858% | 4,308 |
| Total risk-based capital ratio | 15.2410% | 4,243 |
| Memoranda: | ||
| Average total assets | $102,454,000 | 4,684 |
| Average earning assets | $94,896,600 | 4,653 |
| Average equity | $7,071,000 | 5,546 |
| Average total loans | $49,087,600 | 5,003 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 4,542 |
| Cost of funding earning assets | 0.5474% | 3,290 |
| Net interest margin | 3.3423% | 4,490 |
| Noninterest income to average assets | 0.4722% | 3,989 |
| Noninterest expense to average assets | 2.6841% | 4,079 |
| Loan and lease loss provision to assets | 0.1766% | 2,060 |
| Net operating income to assets | 0.5415% | 4,615 |
| Return on assets (ROA) | 0.5415% | 4,758 |
| Pretax return on assets | 0.6946% | 4,706 |
| Return on Equity (ROE) | 7.8152% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.8152% | 1,495 |
| Net charge-offs to loans | 0.0706% | 3,920 |
| Credit loss provision to net charge-offs | 519.2308% | 537 |
| Earnings coverage of net charge-offs (x) | 25.6123% | 1,379 |
| Efficiency ratio | 75.4967% | 2,813 |
| Assets per employee ($millions) | 4.1555% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 2,267 |
| Loan loss allowance to noncurrent loans | 61.7318% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.4814% | 2,710 |
| Noncurrent loans to loans | 2.9356% | 1,390 |
| Net loans and leases to total assets | 46.1039% | 5,543 |
| Net loans and leases to deposits | 50.7976% | 5,785 |
| Net loans and leases to core deposits | 51.4623% | 5,921 |
| Total domestic deposits to total assets | 90.7602% | 630 |
| Equity capital to assets | 6.5793% | 6,633 |
| Core capital (leverage) ratio | 7.3142% | 6,505 |
| Tier 1 risk-based capital ratio | 13.9648% | 4,458 |
| Total risk-based capital ratio | 15.2194% | 4,403 |
| Memoranda: | ||
| Average total assets | $101,932,250 | 4,738 |
| Average earning assets | $94,025,750 | 4,730 |
| Average equity | $7,063,000 | 5,614 |
| Average total loans | $49,111,250 | 5,043 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 4,496 |
| Cost of funding earning assets | 0.5644% | 3,269 |
| Net interest margin | 3.3312% | 4,442 |
| Noninterest income to average assets | 0.4581% | 4,108 |
| Noninterest expense to average assets | 2.6955% | 4,050 |
| Loan and lease loss provision to assets | 0.1777% | 2,134 |
| Net operating income to assets | 0.5351% | 4,638 |
| Return on assets (ROA) | 0.5351% | 4,803 |
| Pretax return on assets | 0.6734% | 4,768 |
| Return on Equity (ROE) | 7.5921% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.5921% | 1,629 |
| Net charge-offs to loans | 0.1991% | 2,568 |
| Credit loss provision to net charge-offs | 183.6735% | 1,298 |
| Earnings coverage of net charge-offs (x) | 8.7959% | 2,365 |
| Efficiency ratio | 76.0022% | 2,786 |
| Assets per employee ($millions) | 4.0756% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 2,827 |
| Loan loss allowance to noncurrent loans | 59.6056% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 2,796 |
| Noncurrent loans to loans | 2.8305% | 1,596 |
| Net loans and leases to total assets | 46.6680% | 5,458 |
| Net loans and leases to deposits | 52.3765% | 5,654 |
| Net loans and leases to core deposits | 52.5298% | 5,849 |
| Total domestic deposits to total assets | 89.1010% | 1,569 |
| Equity capital to assets | 6.7337% | 6,646 |
| Core capital (leverage) ratio | 7.1657% | 6,573 |
| Tier 1 risk-based capital ratio | 13.8525% | 4,523 |
| Total risk-based capital ratio | 15.1022% | 4,497 |
| Memoranda: | ||
| Average total assets | $101,280,670 | 4,784 |
| Average earning assets | $93,899,000 | 4,758 |
| Average equity | $7,139,000 | 5,650 |
| Average total loans | $49,221,670 | 5,056 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 4,361 |
| Cost of funding earning assets | 0.5709% | 3,373 |
| Net interest margin | 3.3610% | 4,269 |
| Noninterest income to average assets | 0.3961% | 4,490 |
| Noninterest expense to average assets | 2.7214% | 3,976 |
| Loan and lease loss provision to assets | 0.1783% | 2,087 |
| Net operating income to assets | 0.4674% | 4,836 |
| Return on assets (ROA) | 0.4674% | 4,999 |
| Pretax return on assets | 0.5982% | 4,951 |
| Return on Equity (ROE) | 6.4853% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.4853% | 2,411 |
| Net charge-offs to loans | 0.4028% | 1,448 |
| Credit loss provision to net charge-offs | 90.0000% | 2,023 |
| Earnings coverage of net charge-offs (x) | 3.9200% | 2,645 |
| Efficiency ratio | 77.8029% | 2,640 |
| Assets per employee ($millions) | 4.4748% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 3,480 |
| Loan loss allowance to noncurrent loans | 69.7464% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.2689% | 3,442 |
| Noncurrent loans to loans | 2.2668% | 2,310 |
| Net loans and leases to total assets | 46.5740% | 5,378 |
| Net loans and leases to deposits | 51.9694% | 5,621 |
| Net loans and leases to core deposits | 52.1180% | 5,816 |
| Total domestic deposits to total assets | 89.6182% | 1,286 |
| Equity capital to assets | 7.1016% | 6,693 |
| Core capital (leverage) ratio | 7.1845% | 6,587 |
| Tier 1 risk-based capital ratio | 13.8579% | 4,609 |
| Total risk-based capital ratio | 15.1115% | 4,566 |
| Memoranda: | ||
| Average total assets | $100,976,000 | 4,841 |
| Average earning assets | $93,187,000 | 4,820 |
| Average equity | $7,278,000 | 5,668 |
| Average total loans | $49,649,500 | 5,069 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 4,811 |
| Cost of funding earning assets | 0.7181% | 3,343 |
| Net interest margin | 3.4198% | 4,816 |
| Noninterest income to average assets | 0.4980% | 3,920 |
| Noninterest expense to average assets | 2.8298% | 3,905 |
| Loan and lease loss provision to assets | 0.2050% | 3,094 |
| Net operating income to assets | 0.4746% | 4,784 |
| Return on assets (ROA) | 0.5384% | 4,781 |
| Pretax return on assets | 0.6968% | 4,675 |
| Return on Equity (ROE) | 7.4106% | 3,409 |
| Retained earnings to average equity (ytd only) | 5.6577% | 2,278 |
| Net charge-offs to loans | 0.2052% | 3,739 |
| Credit loss provision to net charge-offs | 194.1176% | 1,344 |
| Earnings coverage of net charge-offs (x) | 7.7549% | 2,534 |
| Efficiency ratio | 77.5539% | 2,515 |
| Assets per employee ($millions) | 4.3057% | 3,344 |
| Cash dividends to net income (ytd only)* | 23.6538% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,607 |
| Loan loss allowance to noncurrent loans | 70.3906% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 3,644 |
| Noncurrent loans to loans | 2.1761% | 2,491 |
| Net loans and leases to total assets | 50.3070% | 5,124 |
| Net loans and leases to deposits | 56.4219% | 5,402 |
| Net loans and leases to core deposits | 56.5892% | 5,669 |
| Total domestic deposits to total assets | 89.1621% | 1,462 |
| Equity capital to assets | 7.3178% | 6,690 |
| Core capital (leverage) ratio | 7.1766% | 6,646 |
| Tier 1 risk-based capital ratio | 13.2486% | 4,934 |
| Total risk-based capital ratio | 14.4223% | 4,923 |
| Memoranda: | ||
| Average total assets | $96,578,800 | 4,924 |
| Average earning assets | $88,982,200 | 4,896 |
| Average equity | $7,017,000 | 5,761 |
| Average total loans | $49,708,200 | 5,120 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 4,864 |
| Cost of funding earning assets | 0.7370% | 3,465 |
| Net interest margin | 3.4495% | 4,846 |
| Noninterest income to average assets | 0.4877% | 4,002 |
| Noninterest expense to average assets | 2.8871% | 3,650 |
| Loan and lease loss provision to assets | 0.1862% | 3,262 |
| Net operating income to assets | 0.4401% | 5,077 |
| Return on assets (ROA) | 0.5224% | 5,012 |
| Pretax return on assets | 0.6975% | 4,871 |
| Return on Equity (ROE) | 7.2034% | 3,695 |
| Retained earnings to average equity (ytd only) | 7.2034% | 2,008 |
| Net charge-offs to loans | 0.2102% | 3,472 |
| Credit loss provision to net charge-offs | 171.7949% | 1,621 |
| Earnings coverage of net charge-offs (x) | 7.1409% | 2,652 |
| Efficiency ratio | 78.8615% | 2,251 |
| Assets per employee ($millions) | 4.1412% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 4,234 |
| Loan loss allowance to noncurrent loans | 49.1968% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.0948% | 2,542 |
| Noncurrent loans to loans | 2.9104% | 1,918 |
| Net loans and leases to total assets | 50.9096% | 5,203 |
| Net loans and leases to deposits | 57.4240% | 5,493 |
| Net loans and leases to core deposits | 57.5933% | 5,758 |
| Total domestic deposits to total assets | 88.6556% | 1,621 |
| Equity capital to assets | 7.3258% | 6,810 |
| Core capital (leverage) ratio | 7.3713% | 6,686 |
| Tier 1 risk-based capital ratio | 13.0615% | 5,198 |
| Total risk-based capital ratio | 14.2382% | 5,229 |
| Memoranda: | ||
| Average total assets | $95,965,500 | 4,990 |
| Average earning assets | $88,280,750 | 4,965 |
| Average equity | $6,959,500 | 5,846 |
| Average total loans | $49,486,500 | 5,189 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 5,130 |
| Cost of funding earning assets | 0.7657% | 3,476 |
| Net interest margin | 3.3842% | 5,142 |
| Noninterest income to average assets | 0.4809% | 4,049 |
| Noninterest expense to average assets | 2.9127% | 3,572 |
| Loan and lease loss provision to assets | 0.1265% | 3,939 |
| Net operating income to assets | 0.4219% | 5,140 |
| Return on assets (ROA) | 0.5421% | 4,897 |
| Pretax return on assets | 0.7361% | 4,719 |
| Return on Equity (ROE) | 7.5011% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.5011% | 1,870 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6188% | 2,085 |
| Assets per employee ($millions) | 3.8796% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 4,122 |
| Loan loss allowance to noncurrent loans | 41.1470% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 2.0559% | 2,714 |
| Noncurrent loans to loans | 3.5932% | 1,595 |
| Net loans and leases to total assets | 50.7728% | 5,255 |
| Net loans and leases to deposits | 58.5374% | 5,394 |
| Net loans and leases to core deposits | 58.8923% | 5,701 |
| Total domestic deposits to total assets | 86.7356% | 2,939 |
| Equity capital to assets | 7.2493% | 6,858 |
| Core capital (leverage) ratio | 7.2457% | 6,743 |
| Tier 1 risk-based capital ratio | 12.9935% | 5,195 |
| Total risk-based capital ratio | 14.1541% | 5,231 |
| Memoranda: | ||
| Average total assets | $94,824,670 | 5,041 |
| Average earning assets | $87,760,000 | 4,997 |
| Average equity | $6,852,330 | 5,892 |
| Average total loans | $48,871,000 | 5,244 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 5,260 |
| Cost of funding earning assets | 0.7720% | 3,686 |
| Net interest margin | 3.3841% | 5,181 |
| Noninterest income to average assets | 0.4608% | 4,216 |
| Noninterest expense to average assets | 2.9314% | 3,504 |
| Loan and lease loss provision to assets | 0.1280% | 3,745 |
| Net operating income to assets | 0.3884% | 5,304 |
| Return on assets (ROA) | 0.6315% | 4,423 |
| Pretax return on assets | 0.8534% | 4,218 |
| Return on Equity (ROE) | 8.7535% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.7535% | 1,682 |
| Net charge-offs to loans | -0.0828% | 6,726 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7857% | 1,962 |
| Assets per employee ($millions) | 3.9355% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 4,159 |
| Loan loss allowance to noncurrent loans | 37.2732% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 2.2519% | 2,646 |
| Noncurrent loans to loans | 4.0207% | 1,521 |
| Net loans and leases to total assets | 50.0333% | 5,304 |
| Net loans and leases to deposits | 56.9305% | 5,495 |
| Net loans and leases to core deposits | 57.1059% | 5,806 |
| Total domestic deposits to total assets | 87.8850% | 2,407 |
| Equity capital to assets | 7.2036% | 6,880 |
| Core capital (leverage) ratio | 7.3548% | 6,712 |
| Tier 1 risk-based capital ratio | 13.3310% | 4,949 |
| Total risk-based capital ratio | 14.4922% | 5,017 |
| Memoranda: | ||
| Average total assets | $93,742,500 | 5,104 |
| Average earning assets | $86,523,500 | 5,066 |
| Average equity | $6,763,000 | 5,939 |
| Average total loans | $48,315,000 | 5,294 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 4,869 |
| Cost of funding earning assets | 0.9811% | 3,504 |
| Net interest margin | 3.5711% | 4,841 |
| Noninterest income to average assets | 0.5002% | 3,839 |
| Noninterest expense to average assets | 2.8963% | 3,971 |
| Loan and lease loss provision to assets | 0.2072% | 4,113 |
| Net operating income to assets | 0.5411% | 4,268 |
| Return on assets (ROA) | 0.5670% | 4,341 |
| Pretax return on assets | 0.7519% | 4,149 |
| Return on Equity (ROE) | 7.8115% | 3,007 |
| Retained earnings to average equity (ytd only) | 5.9392% | 2,051 |
| Net charge-offs to loans | 0.3733% | 3,539 |
| Credit loss provision to net charge-offs | 97.8947% | 3,671 |
| Earnings coverage of net charge-offs (x) | 4.3684% | 3,139 |
| Efficiency ratio | 75.8017% | 2,912 |
| Assets per employee ($millions) | 3.8763% | 4,146 |
| Cash dividends to net income (ytd only)* | 23.9686% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 4,483 |
| Loan loss allowance to noncurrent loans | 47.8506% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7381% | 3,343 |
| Noncurrent loans to loans | 2.9166% | 2,237 |
| Net loans and leases to total assets | 51.5672% | 5,378 |
| Net loans and leases to deposits | 58.8126% | 5,617 |
| Net loans and leases to core deposits | 58.9948% | 5,936 |
| Total domestic deposits to total assets | 87.6806% | 2,347 |
| Equity capital to assets | 7.2255% | 6,894 |
| Core capital (leverage) ratio | 7.3376% | 6,733 |
| Tier 1 risk-based capital ratio | 13.0161% | 5,055 |
| Total risk-based capital ratio | 14.1845% | 5,106 |
| Memoranda: | ||
| Average total assets | $89,768,800 | 5,189 |
| Average earning assets | $83,476,600 | 5,131 |
| Average equity | $6,516,000 | 6,012 |
| Average total loans | $50,893,000 | 5,236 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 4,753 |
| Cost of funding earning assets | 1.0166% | 3,558 |
| Net interest margin | 3.6122% | 4,716 |
| Noninterest income to average assets | 0.4946% | 3,913 |
| Noninterest expense to average assets | 2.8374% | 4,203 |
| Loan and lease loss provision to assets | 0.2338% | 3,678 |
| Net operating income to assets | 0.5802% | 4,178 |
| Return on assets (ROA) | 0.6145% | 4,205 |
| Pretax return on assets | 0.8304% | 4,014 |
| Return on Equity (ROE) | 8.4562% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.4562% | 1,331 |
| Net charge-offs to loans | 0.4975% | 2,763 |
| Credit loss provision to net charge-offs | 81.2500% | 4,105 |
| Earnings coverage of net charge-offs (x) | 3.5365% | 3,407 |
| Efficiency ratio | 73.6003% | 3,257 |
| Assets per employee ($millions) | 4.0775% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 5,266 |
| Loan loss allowance to noncurrent loans | 42.2876% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.0411% | 3,092 |
| Noncurrent loans to loans | 2.9472% | 2,363 |
| Net loans and leases to total assets | 57.1507% | 4,654 |
| Net loans and leases to deposits | 65.9128% | 4,919 |
| Net loans and leases to core deposits | 65.9128% | 5,423 |
| Total domestic deposits to total assets | 86.7064% | 2,818 |
| Equity capital to assets | 7.6830% | 6,849 |
| Core capital (leverage) ratio | 7.4929% | 6,768 |
| Tier 1 risk-based capital ratio | 12.5025% | 5,483 |
| Total risk-based capital ratio | 13.6990% | 5,531 |
| Memoranda: | ||
| Average total assets | $88,953,000 | 5,250 |
| Average earning assets | $82,754,750 | 5,195 |
| Average equity | $6,464,500 | 6,067 |
| Average total loans | $51,453,000 | 5,254 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 5,016 |
| Cost of funding earning assets | 1.0403% | 3,670 |
| Net interest margin | 3.5476% | 4,930 |
| Noninterest income to average assets | 0.4509% | 4,276 |
| Noninterest expense to average assets | 2.8567% | 4,205 |
| Loan and lease loss provision to assets | 0.2841% | 3,108 |
| Net operating income to assets | 0.4825% | 4,581 |
| Return on assets (ROA) | 0.4825% | 4,726 |
| Pretax return on assets | 0.6088% | 4,721 |
| Return on Equity (ROE) | 6.7700% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.7700% | 1,981 |
| Net charge-offs to loans | 0.7563% | 1,984 |
| Credit loss provision to net charge-offs | 64.9485% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.0412% | 3,836 |
| Efficiency ratio | 76.1876% | 2,981 |
| Assets per employee ($millions) | 4.1563% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,623 |
| Loan loss allowance to noncurrent loans | 47.0543% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.8723% | 3,404 |
| Noncurrent loans to loans | 2.5128% | 2,874 |
| Net loans and leases to total assets | 56.2108% | 4,959 |
| Net loans and leases to deposits | 65.0139% | 5,149 |
| Net loans and leases to core deposits | 65.0139% | 5,608 |
| Total domestic deposits to total assets | 86.4597% | 3,065 |
| Equity capital to assets | 7.2038% | 7,056 |
| Core capital (leverage) ratio | 7.2205% | 6,908 |
| Tier 1 risk-based capital ratio | 12.1191% | 5,695 |
| Total risk-based capital ratio | 13.2542% | 5,756 |
| Memoranda: | ||
| Average total assets | $88,702,330 | 5,296 |
| Average earning assets | $82,478,000 | 5,247 |
| Average equity | $6,322,000 | 6,134 |
| Average total loans | $51,299,330 | 5,306 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 5,125 |
| Cost of funding earning assets | 1.0578% | 3,798 |
| Net interest margin | 3.5030% | 4,998 |
| Noninterest income to average assets | 0.4214% | 4,527 |
| Noninterest expense to average assets | 2.8076% | 4,404 |
| Loan and lease loss provision to assets | 0.4397% | 2,007 |
| Net operating income to assets | 0.3527% | 5,165 |
| Return on assets (ROA) | 0.3527% | 5,243 |
| Pretax return on assets | 0.4351% | 5,231 |
| Return on Equity (ROE) | 4.9762% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.9762% | 3,210 |
| Net charge-offs to loans | 1.5704% | 864 |
| Credit loss provision to net charge-offs | 48.0000% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.9550% | 3,938 |
| Efficiency ratio | 76.2438% | 3,119 |
| Assets per employee ($millions) | 4.0708% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,910 |
| Loan loss allowance to noncurrent loans | 55.7803% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.6113% | 3,829 |
| Noncurrent loans to loans | 2.0334% | 3,529 |
| Net loans and leases to total assets | 56.3541% | 4,934 |
| Net loans and leases to deposits | 65.7285% | 5,013 |
| Net loans and leases to core deposits | 66.1594% | 5,492 |
| Total domestic deposits to total assets | 85.7376% | 3,674 |
| Equity capital to assets | 7.0056% | 7,081 |
| Core capital (leverage) ratio | 7.8226% | 6,443 |
| Tier 1 risk-based capital ratio | 12.1268% | 5,571 |
| Total risk-based capital ratio | 13.2189% | 5,710 |
| Memoranda: | ||
| Average total assets | $87,334,500 | 5,377 |
| Average earning assets | $81,302,000 | 5,320 |
| Average equity | $6,189,500 | 6,185 |
| Average total loans | $50,942,500 | 5,365 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 5,101 |
| Cost of funding earning assets | 1.4362% | 3,040 |
| Net interest margin | 3.4487% | 5,438 |
| Noninterest income to average assets | 0.5651% | 3,710 |
| Noninterest expense to average assets | 2.9248% | 4,127 |
| Loan and lease loss provision to assets | 0.1185% | 5,972 |
| Net operating income to assets | 0.5054% | 4,074 |
| Return on assets (ROA) | 0.5088% | 4,213 |
| Pretax return on assets | 0.7147% | 3,923 |
| Return on Equity (ROE) | 6.9070% | 3,164 |
| Retained earnings to average equity (ytd only) | 4.9243% | 2,459 |
| Net charge-offs to loans | 0.0688% | 6,113 |
| Credit loss provision to net charge-offs | 275.0000% | 990 |
| Earnings coverage of net charge-offs (x) | 19.2222% | 1,071 |
| Efficiency ratio | 77.9266% | 2,719 |
| Assets per employee ($millions) | 3.7005% | 4,461 |
| Cash dividends to net income (ytd only)* | 28.7059% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 4,790 |
| Loan loss allowance to noncurrent loans | 41.9276% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 1.9139% | 3,453 |
| Noncurrent loans to loans | 3.2044% | 2,373 |
| Net loans and leases to total assets | 58.9271% | 4,862 |
| Net loans and leases to deposits | 68.4696% | 5,042 |
| Net loans and leases to core deposits | 69.1789% | 5,529 |
| Total domestic deposits to total assets | 86.0631% | 3,325 |
| Equity capital to assets | 7.1729% | 7,049 |
| Core capital (leverage) ratio | 7.3544% | 6,812 |
| Tier 1 risk-based capital ratio | 12.2900% | 5,223 |
| Total risk-based capital ratio | 13.5188% | 5,203 |
| Memoranda: | ||
| Average total assets | $83,526,600 | 5,482 |
| Average earning assets | $77,218,600 | 5,441 |
| Average equity | $6,153,200 | 6,321 |
| Average total loans | $52,332,200 | 5,394 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 5,144 |
| Cost of funding earning assets | 1.5021% | 2,971 |
| Net interest margin | 3.4249% | 5,586 |
| Noninterest income to average assets | 0.5806% | 3,577 |
| Noninterest expense to average assets | 2.8388% | 4,317 |
| Loan and lease loss provision to assets | 0.1203% | 5,826 |
| Net operating income to assets | 0.5584% | 4,060 |
| Return on assets (ROA) | 0.5630% | 4,203 |
| Pretax return on assets | 0.7875% | 3,957 |
| Return on Equity (ROE) | 7.5908% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.5908% | 1,563 |
| Net charge-offs to loans | 0.0835% | 5,694 |
| Credit loss provision to net charge-offs | 227.2727% | 1,512 |
| Earnings coverage of net charge-offs (x) | 17.0298% | 1,351 |
| Efficiency ratio | 75.9005% | 2,974 |
| Assets per employee ($millions) | 3.7100% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,139 |
| Loan loss allowance to noncurrent loans | 38.8726% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0286% | 3,433 |
| Noncurrent loans to loans | 3.2556% | 2,434 |
| Net loans and leases to total assets | 60.5267% | 4,811 |
| Net loans and leases to deposits | 71.0006% | 4,996 |
| Net loans and leases to core deposits | 72.2592% | 5,481 |
| Total domestic deposits to total assets | 85.2480% | 3,493 |
| Equity capital to assets | 7.5002% | 7,130 |
| Core capital (leverage) ratio | 7.5000% | 6,844 |
| Tier 1 risk-based capital ratio | 12.1436% | 5,321 |
| Total risk-based capital ratio | 13.3842% | 5,295 |
| Memoranda: | ||
| Average total assets | $83,130,250 | 5,562 |
| Average earning assets | $76,690,250 | 5,523 |
| Average equity | $6,165,250 | 6,401 |
| Average total loans | $52,706,000 | 5,456 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 5,274 |
| Cost of funding earning assets | 1.5683% | 2,848 |
| Net interest margin | 3.3610% | 5,792 |
| Noninterest income to average assets | 0.5874% | 3,430 |
| Noninterest expense to average assets | 2.8351% | 4,335 |
| Loan and lease loss provision to assets | 0.1238% | 5,657 |
| Net operating income to assets | 0.5197% | 4,240 |
| Return on assets (ROA) | 0.5267% | 4,367 |
| Pretax return on assets | 0.7282% | 4,142 |
| Return on Equity (ROE) | 7.1299% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.1299% | 1,778 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0957% | 2,881 |
| Assets per employee ($millions) | 3.6681% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 5,053 |
| Loan loss allowance to noncurrent loans | 50.5271% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.5741% | 4,098 |
| Noncurrent loans to loans | 2.5262% | 3,130 |
| Net loans and leases to total assets | 61.5165% | 4,774 |
| Net loans and leases to deposits | 72.0870% | 4,976 |
| Net loans and leases to core deposits | 75.8325% | 5,215 |
| Total domestic deposits to total assets | 85.3365% | 3,447 |
| Equity capital to assets | 7.3679% | 7,187 |
| Core capital (leverage) ratio | 7.5904% | 6,747 |
| Tier 1 risk-based capital ratio | 12.1084% | 5,216 |
| Total risk-based capital ratio | 12.1084% | 6,379 |
| Memoranda: | ||
| Average total assets | $82,396,670 | 5,612 |
| Average earning assets | $75,751,330 | 5,585 |
| Average equity | $6,087,000 | 6,442 |
| Average total loans | $52,838,000 | 5,475 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9829% | 5,096 |
| Cost of funding earning assets | 1.6235% | 2,810 |
| Net interest margin | 3.3594% | 5,752 |
| Noninterest income to average assets | 0.5061% | 4,001 |
| Noninterest expense to average assets | 2.8694% | 4,191 |
| Loan and lease loss provision to assets | 0.1327% | 5,244 |
| Net operating income to assets | 0.4469% | 4,628 |
| Return on assets (ROA) | 0.4618% | 4,692 |
| Pretax return on assets | 0.6043% | 4,586 |
| Return on Equity (ROE) | 6.2433% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.2433% | 2,499 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,563 |
| Assets per employee ($millions) | 3.7307% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 5,354 |
| Loan loss allowance to noncurrent loans | 50.8235% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 2.0310% | 3,460 |
| Noncurrent loans to loans | 2.4142% | 3,257 |
| Net loans and leases to total assets | 63.5569% | 4,415 |
| Net loans and leases to deposits | 75.4909% | 4,501 |
| Net loans and leases to core deposits | 82.0088% | 4,484 |
| Total domestic deposits to total assets | 84.1915% | 4,054 |
| Equity capital to assets | 7.4041% | 7,132 |
| Core capital (leverage) ratio | 7.5827% | 6,757 |
| Tier 1 risk-based capital ratio | 11.7728% | 5,427 |
| Total risk-based capital ratio | 13.0149% | 5,374 |
| Memoranda: | ||
| Average total assets | $81,412,000 | 5,727 |
| Average earning assets | $74,655,500 | 5,684 |
| Average equity | $6,022,500 | 6,512 |
| Average total loans | $52,972,000 | 5,538 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4120% | 4,641 |
| Cost of funding earning assets | 2.1109% | 2,412 |
| Net interest margin | 3.3011% | 5,744 |
| Noninterest income to average assets | 0.5630% | 3,918 |
| Noninterest expense to average assets | 3.0842% | 3,817 |
| Loan and lease loss provision to assets | 0.1733% | 5,962 |
| Net operating income to assets | 0.2807% | 4,604 |
| Return on assets (ROA) | 0.3833% | 4,296 |
| Pretax return on assets | 0.4896% | 4,210 |
| Return on Equity (ROE) | 5.0962% | 3,630 |
| Retained earnings to average equity (ytd only) | 3.1284% | 2,969 |
| Net charge-offs to loans | 0.0490% | 6,607 |
| Credit loss provision to net charge-offs | 526.9231% | 575 |
| Earnings coverage of net charge-offs (x) | 16.1538% | 1,267 |
| Efficiency ratio | 85.3044% | 2,187 |
| Assets per employee ($millions) | 3.6704% | 4,593 |
| Cash dividends to net income (ytd only)* | 38.6139% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 5,551 |
| Loan loss allowance to noncurrent loans | 103.1614% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 4,568 |
| Noncurrent loans to loans | 1.1312% | 5,071 |
| Net loans and leases to total assets | 65.0307% | 4,369 |
| Net loans and leases to deposits | 78.2905% | 4,316 |
| Net loans and leases to core deposits | 101.0274% | 3,898 |
| Total domestic deposits to total assets | 83.0634% | 4,496 |
| Equity capital to assets | 7.3909% | 7,128 |
| Core capital (leverage) ratio | 7.4732% | 6,814 |
| Tier 1 risk-based capital ratio | 11.5860% | 5,307 |
| Total risk-based capital ratio | 12.7737% | 5,332 |
| Memoranda: | ||
| Average total assets | $79,047,200 | 5,754 |
| Average earning assets | $73,096,600 | 5,718 |
| Average equity | $5,945,600 | 6,624 |
| Average total loans | $53,089,600 | 5,542 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 4,701 |
| Cost of funding earning assets | 2.2173% | 2,324 |
| Net interest margin | 3.2299% | 5,917 |
| Noninterest income to average assets | 0.5461% | 4,112 |
| Noninterest expense to average assets | 3.0305% | 3,929 |
| Loan and lease loss provision to assets | 0.1916% | 5,463 |
| Net operating income to assets | 0.2811% | 4,858 |
| Return on assets (ROA) | 0.4375% | 4,350 |
| Pretax return on assets | 0.5003% | 4,520 |
| Return on Equity (ROE) | 5.7911% | 3,610 |
| Retained earnings to average equity (ytd only) | 5.7911% | 2,051 |
| Net charge-offs to loans | 0.0427% | 6,308 |
| Credit loss provision to net charge-offs | 664.7059% | 563 |
| Earnings coverage of net charge-offs (x) | 17.7618% | 1,386 |
| Efficiency ratio | 85.5433% | 2,119 |
| Assets per employee ($millions) | 3.6798% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,638 |
| Loan loss allowance to noncurrent loans | 88.8399% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.3551% | 4,382 |
| Noncurrent loans to loans | 1.2540% | 4,846 |
| Net loans and leases to total assets | 66.3348% | 4,344 |
| Net loans and leases to deposits | 79.9601% | 4,397 |
| Net loans and leases to core deposits | 103.7720% | 3,968 |
| Total domestic deposits to total assets | 82.9599% | 4,242 |
| Equity capital to assets | 7.6375% | 7,199 |
| Core capital (leverage) ratio | 7.5598% | 6,908 |
| Tier 1 risk-based capital ratio | 11.6239% | 5,311 |
| Total risk-based capital ratio | 12.7730% | 5,360 |
| Memoranda: | ||
| Average total assets | $78,622,000 | 5,808 |
| Average earning assets | $72,940,500 | 5,756 |
| Average equity | $5,940,000 | 6,682 |
| Average total loans | $53,079,250 | 5,591 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4713% | 4,776 |
| Cost of funding earning assets | 2.3065% | 2,337 |
| Net interest margin | 3.1648% | 6,047 |
| Noninterest income to average assets | 0.4702% | 4,711 |
| Noninterest expense to average assets | 3.1242% | 3,604 |
| Loan and lease loss provision to assets | 0.2107% | 4,935 |
| Net operating income to assets | 0.0705% | 5,648 |
| Return on assets (ROA) | 0.2826% | 5,074 |
| Pretax return on assets | 0.2929% | 5,229 |
| Return on Equity (ROE) | 3.7549% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.7549% | 3,207 |
| Net charge-offs to loans | 0.0608% | 5,652 |
| Credit loss provision to net charge-offs | 512.5000% | 901 |
| Earnings coverage of net charge-offs (x) | 6.8750% | 2,535 |
| Efficiency ratio | 91.7044% | 1,661 |
| Assets per employee ($millions) | 3.4763% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 5,889 |
| Loan loss allowance to noncurrent loans | 59.8335% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2019% | 4,532 |
| Noncurrent loans to loans | 1.7600% | 3,865 |
| Net loans and leases to total assets | 67.5714% | 4,238 |
| Net loans and leases to deposits | 80.2847% | 4,503 |
| Net loans and leases to core deposits | 108.6321% | 3,536 |
| Total domestic deposits to total assets | 84.1646% | 3,666 |
| Equity capital to assets | 7.4005% | 7,353 |
| Core capital (leverage) ratio | 7.4688% | 7,060 |
| Tier 1 risk-based capital ratio | 10.8687% | 6,010 |
| Total risk-based capital ratio | 11.9151% | 6,155 |
| Memoranda: | ||
| Average total assets | $77,844,000 | 5,872 |
| Average earning assets | $72,231,330 | 5,816 |
| Average equity | $5,859,000 | 6,777 |
| Average total loans | $52,670,000 | 5,651 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4790% | 5,019 |
| Cost of funding earning assets | 2.3900% | 2,336 |
| Net interest margin | 3.0890% | 6,230 |
| Noninterest income to average assets | 0.3855% | 5,336 |
| Noninterest expense to average assets | 3.3130% | 2,621 |
| Loan and lease loss provision to assets | 0.1459% | 5,074 |
| Net operating income to assets | -0.1993% | 6,554 |
| Return on assets (ROA) | 0.2084% | 5,799 |
| Pretax return on assets | 0.2292% | 5,872 |
| Return on Equity (ROE) | 2.7444% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.7444% | 4,352 |
| Net charge-offs to loans | 0.0155% | 5,366 |
| Credit loss provision to net charge-offs | 1,400.0000% | 453 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 5,595 |
| Efficiency ratio | 102.2508% | 1,041 |
| Assets per employee ($millions) | 3.4760% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,100 |
| Loan loss allowance to noncurrent loans | 1,407.8947% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 6,956 |
| Noncurrent loans to loans | 0.0719% | 7,319 |
| Net loans and leases to total assets | 65.4701% | 4,711 |
| Net loans and leases to deposits | 77.6553% | 4,981 |
| Net loans and leases to core deposits | 105.3032% | 3,993 |
| Total domestic deposits to total assets | 84.3086% | 3,555 |
| Equity capital to assets | 7.2847% | 7,507 |
| Core capital (leverage) ratio | 7.5672% | 7,067 |
| Tier 1 risk-based capital ratio | 10.9090% | 5,978 |
| Total risk-based capital ratio | 11.8979% | 6,157 |
| Memoranda: | ||
| Average total assets | $76,789,000 | 5,921 |
| Average earning assets | $70,962,500 | 5,880 |
| Average equity | $5,830,000 | 6,831 |
| Average total loans | $51,704,500 | 5,728 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2599% | 4,183 |
| Cost of funding earning assets | 2.5529% | 3,942 |
| Net interest margin | 3.7070% | 4,443 |
| Noninterest income to average assets | 0.4845% | 4,759 |
| Noninterest expense to average assets | 2.9101% | 4,414 |
| Loan and lease loss provision to assets | 0.1024% | 6,070 |
| Net operating income to assets | 0.7340% | 3,743 |
| Return on assets (ROA) | 0.7352% | 3,574 |
| Pretax return on assets | 0.9690% | 3,488 |
| Return on Equity (ROE) | 8.4312% | 2,875 |
| Retained earnings to average equity (ytd only) | 6.3804% | 1,371 |
| Net charge-offs to loans | 0.1012% | 5,303 |
| Credit loss provision to net charge-offs | 139.5833% | 3,802 |
| Earnings coverage of net charge-offs (x) | 14.5833% | 2,028 |
| Efficiency ratio | 73.1183% | 3,725 |
| Assets per employee ($millions) | 3.0679% | 5,867 |
| Cash dividends to net income (ytd only)* | 24.3243% | 4,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 5,969 |
| Loan loss allowance to noncurrent loans | 287.5706% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 5,997 |
| Noncurrent loans to loans | 0.3503% | 6,320 |
| Net loans and leases to total assets | 67.9383% | 4,477 |
| Net loans and leases to deposits | 82.0924% | 4,714 |
| Net loans and leases to core deposits | 111.2562% | 3,643 |
| Total domestic deposits to total assets | 82.7584% | 3,872 |
| Equity capital to assets | 7.9261% | 6,934 |
| Core capital (leverage) ratio | 8.2458% | 6,063 |
| Tier 1 risk-based capital ratio | 11.4555% | 5,281 |
| Total risk-based capital ratio | 12.4502% | 5,423 |
| Memoranda: | ||
| Average total assets | $65,428,400 | 6,179 |
| Average earning assets | $61,693,800 | 6,101 |
| Average equity | $5,705,000 | 6,912 |
| Average total loans | $47,415,800 | 5,806 |