Home > Bank of Cadiz and Trust Company > Performance and Condition Ratios
Bank of Cadiz and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 3,417 |
| Cost of funding earning assets | 1.1265% | 2,999 |
| Net interest margin | 3.1895% | 2,902 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.5488% | 2,159 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8494% | 2,707 |
| Return on assets (ROA) | 0.8494% | 2,685 |
| Pretax return on assets | 0.8494% | 3,095 |
| Return on Equity (ROE) | 541.1200% | 2 |
| Retained earnings to average equity (ytd only) | 306.5421% | 2 |
| Net charge-offs to loans | 0.0016% | 2,773 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 1,218.0000% | 130 |
| Efficiency ratio | 74.0465% | 1,458 |
| Assets per employee ($millions) | 4.3670% | 4,010 |
| Cash dividends to net income (ytd only)* | 43.3506% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,477 |
| Loan loss allowance to noncurrent loans | 321.6102% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,369 |
| Noncurrent loans to loans | 0.3622% | 1,902 |
| Net loans and leases to total assets | 47.5700% | 3,750 |
| Net loans and leases to deposits | 48.2503% | 3,988 |
| Net loans and leases to core deposits | 52.4544% | 4,021 |
| Total domestic deposits to total assets | 98.6000% | 23 |
| Equity capital to assets | 0.7852% | 4,580 |
| Core capital (leverage) ratio | 8.6461% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4415% | 739 |
| Memoranda: | ||
| Average total assets | $136,338,200 | 3,488 |
| Average earning assets | $126,759,800 | 3,474 |
| Average equity | $214,000 | 4,534 |
| Average total loans | $64,380,600 | 3,640 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 3,433 |
| Cost of funding earning assets | 0.9986% | 3,046 |
| Net interest margin | 3.2219% | 2,865 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.6260% | 1,865 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7488% | 3,178 |
| Return on assets (ROA) | 0.7488% | 3,172 |
| Pretax return on assets | 0.7488% | 3,453 |
| Return on Equity (ROE) | 58,436.6300% | 1 |
| Retained earnings to average equity (ytd only) | 25,294.6057% | 1 |
| Net charge-offs to loans | -0.0083% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.8132% | 1,107 |
| Assets per employee ($millions) | 4.3599% | 4,018 |
| Cash dividends to net income (ytd only)* | 56.7145% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 2,646 |
| Loan loss allowance to noncurrent loans | 327.0742% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,486 |
| Noncurrent loans to loans | 0.3502% | 1,967 |
| Net loans and leases to total assets | 46.3400% | 3,815 |
| Net loans and leases to deposits | 46.0574% | 4,049 |
| Net loans and leases to core deposits | 49.4648% | 4,056 |
| Total domestic deposits to total assets | 100.6100% | 27 |
| Equity capital to assets | -1.2923% | 4,624 |
| Core capital (leverage) ratio | 8.3170% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6506% | 864 |
| Memoranda: | ||
| Average total assets | $136,578,500 | 3,496 |
| Average earning assets | $126,837,250 | 3,485 |
| Average equity | $1,750 | 4,561 |
| Average total loans | $64,185,000 | 3,649 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 3,436 |
| Cost of funding earning assets | 0.8471% | 3,081 |
| Net interest margin | 3.2802% | 2,796 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.5929% | 1,946 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8348% | 2,975 |
| Return on assets (ROA) | 0.8348% | 2,987 |
| Pretax return on assets | 0.8348% | 3,315 |
| Return on Equity (ROE) | 187.6200% | 7 |
| Retained earnings to average equity (ytd only) | 64.9724% | 19 |
| Net charge-offs to loans | -0.0063% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.6814% | 1,283 |
| Assets per employee ($millions) | 4.3854% | 4,014 |
| Cash dividends to net income (ytd only)* | 65.3710% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,734 |
| Loan loss allowance to noncurrent loans | 310.5932% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 2,339 |
| Noncurrent loans to loans | 0.3685% | 1,822 |
| Net loans and leases to total assets | 46.5700% | 3,765 |
| Net loans and leases to deposits | 46.8882% | 4,022 |
| Net loans and leases to core deposits | 51.1899% | 3,979 |
| Total domestic deposits to total assets | 99.3200% | 26 |
| Equity capital to assets | 0.0559% | 4,634 |
| Core capital (leverage) ratio | 8.3263% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5749% | 870 |
| Memoranda: | ||
| Average total assets | $135,599,000 | 3,511 |
| Average earning assets | $125,847,667 | 3,501 |
| Average equity | $603,333 | 4,585 |
| Average total loans | $63,781,000 | 3,661 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,354 |
| Cost of funding earning assets | 0.6749% | 3,139 |
| Net interest margin | 3.3776% | 2,693 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.7203% | 1,619 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7886% | 3,226 |
| Return on assets (ROA) | 0.7886% | 3,175 |
| Pretax return on assets | 0.7886% | 3,489 |
| Return on Equity (ROE) | 123.1800% | 15 |
| Retained earnings to average equity (ytd only) | 95.5017% | 15 |
| Net charge-offs to loans | -0.0126% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.5586% | 1,121 |
| Assets per employee ($millions) | 4.1108% | 4,209 |
| Cash dividends to net income (ytd only)* | 22.4719% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,006 |
| Loan loss allowance to noncurrent loans | 291.4634% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,243 |
| Noncurrent loans to loans | 0.3806% | 1,793 |
| Net loans and leases to total assets | 47.1100% | 3,705 |
| Net loans and leases to deposits | 48.6845% | 3,940 |
| Net loans and leases to core deposits | 52.3546% | 3,897 |
| Total domestic deposits to total assets | 96.7800% | 34 |
| Equity capital to assets | 1.1418% | 4,652 |
| Core capital (leverage) ratio | 8.3519% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6305% | 890 |
| Memoranda: | ||
| Average total assets | $135,425,000 | 3,564 |
| Average earning assets | $125,059,500 | 3,549 |
| Average equity | $867,000 | 4,648 |
| Average total loans | $63,651,500 | 3,704 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4337% | 3,257 |
| Cost of funding earning assets | 0.4743% | 1,556 |
| Net interest margin | 2.9594% | 3,549 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.3144% | 2,680 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7803% | 3,397 |
| Return on assets (ROA) | 0.7803% | 3,329 |
| Pretax return on assets | 0.7824% | 3,666 |
| Return on Equity (ROE) | 28.3700% | 137 |
| Retained earnings to average equity (ytd only) | 18.1574% | 134 |
| Net charge-offs to loans | -0.0100% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.7200% | 1,240 |
| Assets per employee ($millions) | 4.3588% | 4,107 |
| Cash dividends to net income (ytd only)* | 36.0073% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,807 |
| Loan loss allowance to noncurrent loans | 255.4745% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 2,155 |
| Noncurrent loans to loans | 0.4372% | 1,611 |
| Net loans and leases to total assets | 45.8600% | 3,812 |
| Net loans and leases to deposits | 46.4428% | 4,037 |
| Net loans and leases to core deposits | 49.4530% | 3,997 |
| Total domestic deposits to total assets | 98.7500% | 21 |
| Equity capital to assets | 0.0170% | 4,691 |
| Core capital (leverage) ratio | 8.0447% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1304% | 961 |
| Memoranda: | ||
| Average total assets | $140,595,600 | 3,527 |
| Average earning assets | $130,296,400 | 3,530 |
| Average equity | $3,866,200 | 4,542 |
| Average total loans | $60,034,400 | 3,727 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 3,265 |
| Cost of funding earning assets | 0.4531% | 967 |
| Net interest margin | 2.8129% | 3,710 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.2756% | 2,702 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6875% | 3,597 |
| Return on assets (ROA) | 0.6875% | 3,557 |
| Pretax return on assets | 0.6903% | 3,817 |
| Return on Equity (ROE) | 20.2200% | 414 |
| Retained earnings to average equity (ytd only) | 10.6896% | 1,136 |
| Net charge-offs to loans | -0.0135% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.6478% | 1,108 |
| Assets per employee ($millions) | 4.2898% | 4,178 |
| Cash dividends to net income (ytd only)* | 47.1311% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 2,939 |
| Loan loss allowance to noncurrent loans | 187.6712% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 1,891 |
| Noncurrent loans to loans | 0.5950% | 1,357 |
| Net loans and leases to total assets | 44.1900% | 3,865 |
| Net loans and leases to deposits | 44.6325% | 4,087 |
| Net loans and leases to core deposits | 47.5949% | 4,041 |
| Total domestic deposits to total assets | 99.0100% | 31 |
| Equity capital to assets | 0.3890% | 4,709 |
| Core capital (leverage) ratio | 7.6880% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8640% | 1,016 |
| Memoranda: | ||
| Average total assets | $141,963,500 | 3,542 |
| Average earning assets | $131,820,250 | 3,524 |
| Average equity | $4,827,000 | 4,491 |
| Average total loans | $59,375,250 | 3,759 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0587% | 3,407 |
| Cost of funding earning assets | 0.4530% | 680 |
| Net interest margin | 2.6057% | 3,900 |
| Noninterest income to average assets | 0.3874% | 2,829 |
| Noninterest expense to average assets | 2.2087% | 2,822 |
| Loan and lease loss provision to assets | 0.0418% | 1,822 |
| Net operating income to assets | 0.5532% | 3,754 |
| Return on assets (ROA) | 0.5532% | 3,705 |
| Pretax return on assets | 0.5574% | 3,910 |
| Return on Equity (ROE) | 12.6878% | 1,469 |
| Retained earnings to average equity (ytd only) | 2.9402% | 3,465 |
| Net charge-offs to loans | -0.0136% | 3,717 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6600% | 1,043 |
| Assets per employee ($millions) | 4.1201% | 4,306 |
| Cash dividends to net income (ytd only)* | 76.8262% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,024 |
| Loan loss allowance to noncurrent loans | 178.1333% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 1,974 |
| Noncurrent loans to loans | 0.6351% | 1,341 |
| Net loans and leases to total assets | 41.6732% | 3,992 |
| Net loans and leases to deposits | 42.7420% | 4,167 |
| Net loans and leases to core deposits | 45.8391% | 4,129 |
| Total domestic deposits to total assets | 97.4993% | 34 |
| Equity capital to assets | 1.9531% | 4,725 |
| Core capital (leverage) ratio | 7.5112% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7526% | 1,029 |
| Memoranda: | ||
| Average total assets | $143,526,333 | 3,569 |
| Average earning assets | $133,324,667 | 3,562 |
| Average equity | $6,258,000 | 4,390 |
| Average total loans | $58,717,333 | 3,809 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8735% | 3,597 |
| Cost of funding earning assets | 0.4464% | 671 |
| Net interest margin | 2.4271% | 4,021 |
| Noninterest income to average assets | 0.3993% | 2,692 |
| Noninterest expense to average assets | 2.2720% | 2,608 |
| Loan and lease loss provision to assets | 0.0413% | 1,611 |
| Net operating income to assets | 0.3387% | 4,077 |
| Return on assets (ROA) | 0.3387% | 4,045 |
| Pretax return on assets | 0.3470% | 4,115 |
| Return on Equity (ROE) | 6.1354% | 3,312 |
| Retained earnings to average equity (ytd only) | -7.3326% | 4,502 |
| Net charge-offs to loans | -0.0137% | 3,716 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4037% | 771 |
| Assets per employee ($millions) | 4.3077% | 4,248 |
| Cash dividends to net income (ytd only)* | 219.5122% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,264 |
| Loan loss allowance to noncurrent loans | 226.3889% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,451 |
| Noncurrent loans to loans | 0.4926% | 1,797 |
| Net loans and leases to total assets | 39.4696% | 4,046 |
| Net loans and leases to deposits | 41.3582% | 4,185 |
| Net loans and leases to core deposits | 44.4062% | 4,138 |
| Total domestic deposits to total assets | 95.4336% | 19 |
| Equity capital to assets | 4.0857% | 4,777 |
| Core capital (leverage) ratio | 7.3719% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1775% | 1,221 |
| Memoranda: | ||
| Average total assets | $145,248,000 | 3,563 |
| Average earning assets | $135,304,500 | 3,561 |
| Average equity | $8,019,000 | 4,269 |
| Average total loans | $58,553,500 | 3,816 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0182% | 3,843 |
| Cost of funding earning assets | 0.5328% | 778 |
| Net interest margin | 2.4855% | 4,211 |
| Noninterest income to average assets | 0.4104% | 2,994 |
| Noninterest expense to average assets | 2.1634% | 3,192 |
| Loan and lease loss provision to assets | 0.0429% | 2,195 |
| Net operating income to assets | 0.5086% | 4,069 |
| Return on assets (ROA) | 0.5383% | 4,054 |
| Pretax return on assets | 0.5455% | 4,185 |
| Return on Equity (ROE) | 7.1332% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.8745% | 3,269 |
| Net charge-offs to loans | 0.0229% | 1,792 |
| Credit loss provision to net charge-offs | 428.5714% | 879 |
| Earnings coverage of net charge-offs (x) | 55.7857% | 1,229 |
| Efficiency ratio | 79.4852% | 841 |
| Assets per employee ($millions) | 4.2363% | 4,308 |
| Cash dividends to net income (ytd only)* | 45.6839% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,434 |
| Loan loss allowance to noncurrent loans | 212.7517% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,530 |
| Noncurrent loans to loans | 0.5081% | 1,852 |
| Net loans and leases to total assets | 40.2773% | 4,079 |
| Net loans and leases to deposits | 43.5308% | 4,200 |
| Net loans and leases to core deposits | 46.8940% | 4,147 |
| Total domestic deposits to total assets | 92.5261% | 87 |
| Equity capital to assets | 6.9803% | 4,723 |
| Core capital (leverage) ratio | 7.6748% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5857% | 1,145 |
| Memoranda: | ||
| Average total assets | $139,872,400 | 3,582 |
| Average earning assets | $130,076,600 | 3,575 |
| Average equity | $10,556,200 | 4,078 |
| Average total loans | $61,199,200 | 3,795 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0435% | 3,921 |
| Cost of funding earning assets | 0.5520% | 823 |
| Net interest margin | 2.4915% | 4,289 |
| Noninterest income to average assets | 0.4014% | 3,077 |
| Noninterest expense to average assets | 2.1944% | 3,088 |
| Loan and lease loss provision to assets | 0.0432% | 2,131 |
| Net operating income to assets | 0.4544% | 4,290 |
| Return on assets (ROA) | 0.4927% | 4,266 |
| Pretax return on assets | 0.5186% | 4,346 |
| Return on Equity (ROE) | 6.4033% | 3,818 |
| Retained earnings to average equity (ytd only) | 2.4090% | 4,078 |
| Net charge-offs to loans | -0.0129% | 3,786 |
| Credit loss provision to net charge-offs | -750.0000% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7992% | 705 |
| Assets per employee ($millions) | 4.6713% | 3,987 |
| Cash dividends to net income (ytd only)* | 62.3782% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,712 |
| Loan loss allowance to noncurrent loans | 207.4675% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 2,717 |
| Noncurrent loans to loans | 0.5007% | 2,056 |
| Net loans and leases to total assets | 42.0337% | 4,089 |
| Net loans and leases to deposits | 45.5985% | 4,249 |
| Net loans and leases to core deposits | 49.1129% | 4,185 |
| Total domestic deposits to total assets | 92.1822% | 91 |
| Equity capital to assets | 7.2619% | 4,762 |
| Core capital (leverage) ratio | 7.6397% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6867% | 1,432 |
| Memoranda: | ||
| Average total assets | $138,832,000 | 3,637 |
| Average earning assets | $128,971,000 | 3,625 |
| Average equity | $10,681,750 | 4,121 |
| Average total loans | $61,837,250 | 3,840 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0304% | 3,987 |
| Cost of funding earning assets | 0.5780% | 823 |
| Net interest margin | 2.4524% | 4,365 |
| Noninterest income to average assets | 0.3917% | 3,144 |
| Noninterest expense to average assets | 2.2347% | 2,966 |
| Loan and lease loss provision to assets | 0.0438% | 2,141 |
| Net operating income to assets | 0.3625% | 4,449 |
| Return on assets (ROA) | 0.3625% | 4,485 |
| Pretax return on assets | 0.3888% | 4,513 |
| Return on Equity (ROE) | 4.6195% | 4,209 |
| Retained earnings to average equity (ytd only) | -0.8755% | 4,599 |
| Net charge-offs to loans | -0.0129% | 3,787 |
| Credit loss provision to net charge-offs | -750.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7808% | 565 |
| Assets per employee ($millions) | 4.5541% | 4,061 |
| Cash dividends to net income (ytd only)* | 118.9516% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,791 |
| Loan loss allowance to noncurrent loans | 194.3750% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 2,796 |
| Noncurrent loans to loans | 0.5190% | 2,116 |
| Net loans and leases to total assets | 43.2355% | 4,095 |
| Net loans and leases to deposits | 47.0073% | 4,270 |
| Net loans and leases to core deposits | 50.4421% | 4,219 |
| Total domestic deposits to total assets | 91.9761% | 129 |
| Equity capital to assets | 7.4523% | 4,751 |
| Core capital (leverage) ratio | 7.5360% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4242% | 1,494 |
| Memoranda: | ||
| Average total assets | $136,839,333 | 3,665 |
| Average earning assets | $126,978,667 | 3,661 |
| Average equity | $10,737,000 | 4,130 |
| Average total loans | $61,947,000 | 3,862 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0227% | 4,029 |
| Cost of funding earning assets | 0.6161% | 817 |
| Net interest margin | 2.4066% | 4,409 |
| Noninterest income to average assets | 0.3980% | 3,098 |
| Noninterest expense to average assets | 2.3524% | 2,644 |
| Loan and lease loss provision to assets | 0.0446% | 2,178 |
| Net operating income to assets | 0.2020% | 4,636 |
| Return on assets (ROA) | 0.2020% | 4,660 |
| Pretax return on assets | 0.2287% | 4,661 |
| Return on Equity (ROE) | 2.5081% | 4,550 |
| Retained earnings to average equity (ytd only) | -8.1881% | 4,784 |
| Net charge-offs to loans | -0.0193% | 3,978 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5928% | 382 |
| Assets per employee ($millions) | 4.4293% | 4,171 |
| Cash dividends to net income (ytd only)* | 426.4706% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,930 |
| Loan loss allowance to noncurrent loans | 178.2353% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 2,938 |
| Noncurrent loans to loans | 0.5489% | 2,214 |
| Net loans and leases to total assets | 43.2770% | 4,157 |
| Net loans and leases to deposits | 46.9463% | 4,309 |
| Net loans and leases to core deposits | 50.3365% | 4,285 |
| Total domestic deposits to total assets | 92.1842% | 110 |
| Equity capital to assets | 7.2909% | 4,781 |
| Core capital (leverage) ratio | 7.8294% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1824% | 1,510 |
| Memoranda: | ||
| Average total assets | $134,670,000 | 3,691 |
| Average earning assets | $124,658,000 | 3,684 |
| Average equity | $10,845,000 | 4,125 |
| Average total loans | $62,090,000 | 3,879 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 3,693 |
| Cost of funding earning assets | 0.7870% | 1,262 |
| Net interest margin | 2.8649% | 4,171 |
| Noninterest income to average assets | 0.4446% | 2,891 |
| Noninterest expense to average assets | 2.5140% | 2,803 |
| Loan and lease loss provision to assets | 0.0481% | 3,794 |
| Net operating income to assets | 0.5159% | 3,995 |
| Return on assets (ROA) | 0.5472% | 4,008 |
| Pretax return on assets | 0.5472% | 4,183 |
| Return on Equity (ROE) | 6.2286% | 3,509 |
| Retained earnings to average equity (ytd only) | 2.9000% | 3,418 |
| Net charge-offs to loans | 0.1171% | 1,316 |
| Credit loss provision to net charge-offs | 81.0811% | 2,982 |
| Earnings coverage of net charge-offs (x) | 9.5135% | 2,514 |
| Efficiency ratio | 81.6762% | 767 |
| Assets per employee ($millions) | 3.9876% | 4,385 |
| Cash dividends to net income (ytd only)* | 53.4407% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 4,058 |
| Loan loss allowance to noncurrent loans | 168.4814% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 2,929 |
| Noncurrent loans to loans | 0.5608% | 2,299 |
| Net loans and leases to total assets | 48.3112% | 3,954 |
| Net loans and leases to deposits | 53.4046% | 4,140 |
| Net loans and leases to core deposits | 57.0643% | 4,096 |
| Total domestic deposits to total assets | 90.4625% | 392 |
| Equity capital to assets | 8.8995% | 4,149 |
| Core capital (leverage) ratio | 8.2187% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8280% | 1,304 |
| Memoranda: | ||
| Average total assets | $124,818,800 | 3,689 |
| Average earning assets | $114,734,200 | 3,696 |
| Average equity | $10,965,600 | 4,085 |
| Average total loans | $63,175,800 | 3,861 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 3,700 |
| Cost of funding earning assets | 0.8095% | 1,448 |
| Net interest margin | 2.9326% | 4,121 |
| Noninterest income to average assets | 0.4447% | 2,869 |
| Noninterest expense to average assets | 2.5501% | 2,691 |
| Loan and lease loss provision to assets | 0.0483% | 3,756 |
| Net operating income to assets | 0.5392% | 3,927 |
| Return on assets (ROA) | 0.5693% | 3,949 |
| Pretax return on assets | 0.5693% | 4,157 |
| Return on Equity (ROE) | 6.5021% | 3,369 |
| Retained earnings to average equity (ytd only) | 2.3309% | 3,810 |
| Net charge-offs to loans | 0.1619% | 912 |
| Credit loss provision to net charge-offs | 58.4416% | 2,860 |
| Earnings coverage of net charge-offs (x) | 7.1039% | 2,600 |
| Efficiency ratio | 81.2735% | 773 |
| Assets per employee ($millions) | 4.0772% | 4,262 |
| Cash dividends to net income (ytd only)* | 64.1509% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,045 |
| Loan loss allowance to noncurrent loans | 157.0248% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 3,087 |
| Noncurrent loans to loans | 0.5785% | 2,354 |
| Net loans and leases to total assets | 46.2132% | 4,304 |
| Net loans and leases to deposits | 50.8123% | 4,459 |
| Net loans and leases to core deposits | 54.3266% | 4,438 |
| Total domestic deposits to total assets | 90.9490% | 185 |
| Equity capital to assets | 8.4074% | 4,514 |
| Core capital (leverage) ratio | 8.2531% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4451% | 1,383 |
| Memoranda: | ||
| Average total assets | $124,123,000 | 3,692 |
| Average earning assets | $113,980,750 | 3,699 |
| Average equity | $10,868,000 | 4,102 |
| Average total loans | $63,411,250 | 3,875 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,409 |
| Cost of funding earning assets | 0.8454% | 1,616 |
| Net interest margin | 3.1227% | 3,856 |
| Noninterest income to average assets | 0.4426% | 2,843 |
| Noninterest expense to average assets | 2.6192% | 2,601 |
| Loan and lease loss provision to assets | 0.0497% | 3,681 |
| Net operating income to assets | 0.6332% | 3,630 |
| Return on assets (ROA) | 0.6332% | 3,714 |
| Pretax return on assets | 0.6332% | 3,996 |
| Return on Equity (ROE) | 7.1269% | 3,083 |
| Retained earnings to average equity (ytd only) | 1.2500% | 4,029 |
| Net charge-offs to loans | 0.2483% | 635 |
| Credit loss provision to net charge-offs | 37.9747% | 2,677 |
| Earnings coverage of net charge-offs (x) | 5.2152% | 2,532 |
| Efficiency ratio | 79.3173% | 939 |
| Assets per employee ($millions) | 3.8697% | 4,419 |
| Cash dividends to net income (ytd only)* | 82.4607% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 4,145 |
| Loan loss allowance to noncurrent loans | 147.4667% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,139 |
| Noncurrent loans to loans | 0.5859% | 2,400 |
| Net loans and leases to total assets | 49.6907% | 4,177 |
| Net loans and leases to deposits | 54.8795% | 4,343 |
| Net loans and leases to core deposits | 59.5883% | 4,279 |
| Total domestic deposits to total assets | 90.5450% | 265 |
| Equity capital to assets | 8.8293% | 4,234 |
| Core capital (leverage) ratio | 8.4608% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5515% | 1,354 |
| Memoranda: | ||
| Average total assets | $120,648,000 | 3,715 |
| Average earning assets | $110,482,667 | 3,729 |
| Average equity | $10,720,000 | 4,133 |
| Average total loans | $63,632,000 | 3,879 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 3,152 |
| Cost of funding earning assets | 0.8850% | 1,947 |
| Net interest margin | 3.3345% | 3,500 |
| Noninterest income to average assets | 0.4918% | 2,591 |
| Noninterest expense to average assets | 2.8620% | 2,235 |
| Loan and lease loss provision to assets | 0.0512% | 3,135 |
| Net operating income to assets | 0.6284% | 3,523 |
| Return on assets (ROA) | 0.6284% | 3,581 |
| Pretax return on assets | 0.6284% | 3,872 |
| Return on Equity (ROE) | 7.0481% | 2,925 |
| Retained earnings to average equity (ytd only) | -4.0603% | 4,443 |
| Net charge-offs to loans | 0.4413% | 330 |
| Credit loss provision to net charge-offs | 21.4286% | 2,193 |
| Earnings coverage of net charge-offs (x) | 2.8429% | 2,249 |
| Efficiency ratio | 80.8100% | 1,058 |
| Assets per employee ($millions) | 3.6352% | 4,346 |
| Cash dividends to net income (ytd only)* | 157.6087% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 4,218 |
| Loan loss allowance to noncurrent loans | 140.9794% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 2,666 |
| Noncurrent loans to loans | 0.6175% | 2,446 |
| Net loans and leases to total assets | 51.9264% | 4,118 |
| Net loans and leases to deposits | 57.2479% | 4,311 |
| Net loans and leases to core deposits | 62.6252% | 4,252 |
| Total domestic deposits to total assets | 90.7046% | 147 |
| Equity capital to assets | 8.6953% | 4,740 |
| Core capital (leverage) ratio | 8.8424% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8858% | 1,375 |
| Memoranda: | ||
| Average total assets | $117,122,000 | 3,749 |
| Average earning assets | $107,121,000 | 3,764 |
| Average equity | $10,442,500 | 4,189 |
| Average total loans | $63,444,000 | 3,897 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 3,003 |
| Cost of funding earning assets | 0.8017% | 2,676 |
| Net interest margin | 3.6808% | 2,868 |
| Noninterest income to average assets | 0.5128% | 2,661 |
| Noninterest expense to average assets | 2.9591% | 2,124 |
| Loan and lease loss provision to assets | 0.0540% | 2,954 |
| Net operating income to assets | 0.8457% | 3,402 |
| Return on assets (ROA) | 0.8538% | 3,470 |
| Pretax return on assets | 0.8538% | 3,866 |
| Return on Equity (ROE) | 9.3057% | 2,605 |
| Retained earnings to average equity (ytd only) | -0.3040% | 4,742 |
| Net charge-offs to loans | 0.1734% | 1,165 |
| Credit loss provision to net charge-offs | 54.0541% | 3,093 |
| Earnings coverage of net charge-offs (x) | 9.0090% | 2,713 |
| Efficiency ratio | 76.6845% | 1,297 |
| Assets per employee ($millions) | 3.4631% | 4,513 |
| Cash dividends to net income (ytd only)* | 103.2666% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 3,781 |
| Loan loss allowance to noncurrent loans | 95.5556% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 2,237 |
| Noncurrent loans to loans | 0.9836% | 1,549 |
| Net loans and leases to total assets | 55.5179% | 3,957 |
| Net loans and leases to deposits | 61.6086% | 4,209 |
| Net loans and leases to core deposits | 67.7107% | 4,095 |
| Total domestic deposits to total assets | 90.1139% | 292 |
| Equity capital to assets | 9.1475% | 4,611 |
| Core capital (leverage) ratio | 9.0541% | 4,485 |
| Tier 1 risk-based capital ratio | 16.3529% | 2,269 |
| Total risk-based capital ratio | 17.2997% | 2,335 |
| Memoranda: | ||
| Average total assets | $111,147,800 | 3,815 |
| Average earning assets | $101,036,800 | 3,849 |
| Average equity | $10,198,000 | 4,217 |
| Average total loans | $64,028,200 | 3,911 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 3,081 |
| Cost of funding earning assets | 0.7558% | 2,943 |
| Net interest margin | 3.7363% | 2,803 |
| Noninterest income to average assets | 0.5243% | 2,585 |
| Noninterest expense to average assets | 2.9864% | 2,017 |
| Loan and lease loss provision to assets | 0.0544% | 2,828 |
| Net operating income to assets | 0.8759% | 3,424 |
| Return on assets (ROA) | 0.8867% | 3,469 |
| Pretax return on assets | 0.8867% | 3,921 |
| Return on Equity (ROE) | 9.6570% | 2,594 |
| Retained earnings to average equity (ytd only) | -3.2365% | 5,002 |
| Net charge-offs to loans | 0.2291% | 771 |
| Credit loss provision to net charge-offs | 40.9091% | 2,852 |
| Earnings coverage of net charge-offs (x) | 7.0001% | 2,786 |
| Efficiency ratio | 76.2492% | 1,306 |
| Assets per employee ($millions) | 3.6750% | 4,306 |
| Cash dividends to net income (ytd only)* | 133.5149% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 3,963 |
| Loan loss allowance to noncurrent loans | 118.3099% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 2,823 |
| Noncurrent loans to loans | 0.7784% | 2,022 |
| Net loans and leases to total assets | 53.7964% | 4,198 |
| Net loans and leases to deposits | 59.4201% | 4,409 |
| Net loans and leases to core deposits | 63.9250% | 4,372 |
| Total domestic deposits to total assets | 90.5356% | 168 |
| Equity capital to assets | 8.7475% | 4,899 |
| Core capital (leverage) ratio | 8.9834% | 4,650 |
| Tier 1 risk-based capital ratio | 15.9155% | 2,469 |
| Total risk-based capital ratio | 16.8347% | 2,549 |
| Memoranda: | ||
| Average total assets | $110,364,250 | 3,869 |
| Average earning assets | $100,203,250 | 3,905 |
| Average equity | $10,134,000 | 4,265 |
| Average total loans | $64,023,000 | 3,950 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 2,809 |
| Cost of funding earning assets | 0.6867% | 3,239 |
| Net interest margin | 3.8722% | 2,336 |
| Noninterest income to average assets | 0.5428% | 2,419 |
| Noninterest expense to average assets | 3.0828% | 1,780 |
| Loan and lease loss provision to assets | 0.0556% | 2,715 |
| Net operating income to assets | 0.9041% | 3,263 |
| Return on assets (ROA) | 0.9041% | 3,329 |
| Pretax return on assets | 0.9041% | 3,831 |
| Return on Equity (ROE) | 9.6797% | 2,544 |
| Retained earnings to average equity (ytd only) | 2.1422% | 4,073 |
| Net charge-offs to loans | 0.3464% | 485 |
| Credit loss provision to net charge-offs | 27.0270% | 2,616 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,719 |
| Efficiency ratio | 76.2603% | 1,358 |
| Assets per employee ($millions) | 3.4128% | 4,589 |
| Cash dividends to net income (ytd only)* | 77.8689% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,148 |
| Loan loss allowance to noncurrent loans | 110.6383% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 2,686 |
| Noncurrent loans to loans | 0.8002% | 1,996 |
| Net loans and leases to total assets | 56.8571% | 4,021 |
| Net loans and leases to deposits | 63.2075% | 4,261 |
| Net loans and leases to core deposits | 65.2240% | 4,350 |
| Total domestic deposits to total assets | 89.9530% | 348 |
| Equity capital to assets | 9.4023% | 4,499 |
| Core capital (leverage) ratio | 9.6980% | 3,933 |
| Tier 1 risk-based capital ratio | 16.9090% | 2,116 |
| Total risk-based capital ratio | 17.8270% | 2,159 |
| Memoranda: | ||
| Average total assets | $107,952,670 | 3,926 |
| Average earning assets | $97,568,330 | 3,975 |
| Average equity | $10,083,000 | 4,291 |
| Average total loans | $64,080,000 | 3,970 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 2,605 |
| Cost of funding earning assets | 0.6489% | 3,330 |
| Net interest margin | 3.9311% | 2,088 |
| Noninterest income to average assets | 0.5908% | 2,092 |
| Noninterest expense to average assets | 3.0676% | 1,811 |
| Loan and lease loss provision to assets | 0.0568% | 2,527 |
| Net operating income to assets | 1.0225% | 2,768 |
| Return on assets (ROA) | 1.0225% | 2,806 |
| Pretax return on assets | 1.0225% | 3,372 |
| Return on Equity (ROE) | 10.9868% | 1,949 |
| Retained earnings to average equity (ytd only) | -0.4069% | 4,587 |
| Net charge-offs to loans | 0.0376% | 1,735 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 1,054 |
| Efficiency ratio | 73.9726% | 1,757 |
| Assets per employee ($millions) | 3.2772% | 4,761 |
| Cash dividends to net income (ytd only)* | 103.7037% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,507 |
| Loan loss allowance to noncurrent loans | 78.7158% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 1,815 |
| Noncurrent loans to loans | 1.3126% | 1,246 |
| Net loans and leases to total assets | 58.6321% | 3,822 |
| Net loans and leases to deposits | 64.9966% | 4,123 |
| Net loans and leases to core deposits | 66.8974% | 4,238 |
| Total domestic deposits to total assets | 90.2080% | 383 |
| Equity capital to assets | 9.2308% | 4,499 |
| Core capital (leverage) ratio | 9.8539% | 3,761 |
| Tier 1 risk-based capital ratio | 16.9044% | 2,135 |
| Total risk-based capital ratio | 17.9785% | 2,144 |
| Memoranda: | ||
| Average total assets | $105,618,500 | 4,010 |
| Average earning assets | $95,545,500 | 4,050 |
| Average equity | $9,830,000 | 4,352 |
| Average total loans | $63,817,500 | 4,014 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,974 |
| Cost of funding earning assets | 0.5531% | 3,027 |
| Net interest margin | 3.7843% | 2,727 |
| Noninterest income to average assets | 0.5950% | 2,322 |
| Noninterest expense to average assets | 3.0379% | 1,975 |
| Loan and lease loss provision to assets | 0.0557% | 3,053 |
| Net operating income to assets | 0.9430% | 3,278 |
| Return on assets (ROA) | 0.9403% | 3,276 |
| Pretax return on assets | 0.9403% | 3,786 |
| Return on Equity (ROE) | 11.0853% | 2,050 |
| Retained earnings to average equity (ytd only) | 5.8108% | 2,288 |
| Net charge-offs to loans | 0.0158% | 3,160 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 107.6000% | 705 |
| Efficiency ratio | 75.2587% | 1,457 |
| Assets per employee ($millions) | 3.1239% | 4,910 |
| Cash dividends to net income (ytd only)* | 47.5814% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,510 |
| Loan loss allowance to noncurrent loans | 81.1180% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 1,788 |
| Noncurrent loans to loans | 1.2665% | 1,257 |
| Net loans and leases to total assets | 61.0255% | 3,663 |
| Net loans and leases to deposits | 67.8414% | 3,990 |
| Net loans and leases to core deposits | 69.9225% | 4,120 |
| Total domestic deposits to total assets | 89.9532% | 493 |
| Equity capital to assets | 9.3871% | 4,230 |
| Core capital (leverage) ratio | 9.9563% | 3,636 |
| Tier 1 risk-based capital ratio | 17.2375% | 1,981 |
| Total risk-based capital ratio | 18.3169% | 1,986 |
| Memoranda: | ||
| Average total assets | $107,737,200 | 3,971 |
| Average earning assets | $97,984,800 | 4,004 |
| Average equity | $9,138,200 | 4,445 |
| Average total loans | $63,336,200 | 4,012 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 3,051 |
| Cost of funding earning assets | 0.5639% | 2,749 |
| Net interest margin | 3.7132% | 2,971 |
| Noninterest income to average assets | 0.5314% | 2,666 |
| Noninterest expense to average assets | 3.0058% | 2,003 |
| Loan and lease loss provision to assets | 0.0490% | 3,013 |
| Net operating income to assets | 0.8546% | 3,715 |
| Return on assets (ROA) | 0.8546% | 3,723 |
| Pretax return on assets | 0.8546% | 4,155 |
| Return on Equity (ROE) | 10.3364% | 2,463 |
| Retained earnings to average equity (ytd only) | 3.1986% | 4,143 |
| Net charge-offs to loans | 0.0169% | 2,832 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 92.2193% | 797 |
| Efficiency ratio | 76.8869% | 1,243 |
| Assets per employee ($millions) | 3.1302% | 4,940 |
| Cash dividends to net income (ytd only)* | 69.0546% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,897 |
| Loan loss allowance to noncurrent loans | 246.1240% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,743 |
| Noncurrent loans to loans | 0.3979% | 3,229 |
| Net loans and leases to total assets | 60.3262% | 3,812 |
| Net loans and leases to deposits | 66.2819% | 4,179 |
| Net loans and leases to core deposits | 68.2404% | 4,286 |
| Total domestic deposits to total assets | 91.0146% | 216 |
| Equity capital to assets | 8.3427% | 5,016 |
| Core capital (leverage) ratio | 9.4580% | 4,225 |
| Tier 1 risk-based capital ratio | 16.3121% | 2,332 |
| Total risk-based capital ratio | 17.3363% | 2,358 |
| Memoranda: | ||
| Average total assets | $108,899,500 | 4,002 |
| Average earning assets | $99,068,000 | 4,026 |
| Average equity | $9,003,500 | 4,500 |
| Average total loans | $63,279,500 | 4,060 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 3,024 |
| Cost of funding earning assets | 0.5982% | 2,235 |
| Net interest margin | 3.6294% | 3,201 |
| Noninterest income to average assets | 0.5322% | 2,673 |
| Noninterest expense to average assets | 3.0714% | 1,857 |
| Loan and lease loss provision to assets | 0.0456% | 2,994 |
| Net operating income to assets | 0.7218% | 4,128 |
| Return on assets (ROA) | 0.7218% | 4,137 |
| Pretax return on assets | 0.7218% | 4,454 |
| Return on Equity (ROE) | 8.7562% | 3,145 |
| Retained earnings to average equity (ytd only) | 1.8574% | 4,498 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0095% | 1,018 |
| Assets per employee ($millions) | 2.9528% | 5,131 |
| Cash dividends to net income (ytd only)* | 78.7879% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,971 |
| Loan loss allowance to noncurrent loans | 245.3125% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 3,805 |
| Noncurrent loans to loans | 0.3984% | 3,259 |
| Net loans and leases to total assets | 59.8621% | 3,825 |
| Net loans and leases to deposits | 65.7492% | 4,177 |
| Net loans and leases to core deposits | 67.6893% | 4,274 |
| Total domestic deposits to total assets | 91.0462% | 240 |
| Equity capital to assets | 8.3696% | 5,038 |
| Core capital (leverage) ratio | 8.8979% | 4,790 |
| Tier 1 risk-based capital ratio | 16.1887% | 2,375 |
| Total risk-based capital ratio | 17.2073% | 2,390 |
| Memoranda: | ||
| Average total assets | $109,723,330 | 4,022 |
| Average earning assets | $99,962,330 | 4,049 |
| Average equity | $9,045,000 | 4,536 |
| Average total loans | $62,759,670 | 4,102 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 3,498 |
| Cost of funding earning assets | 0.5816% | 2,160 |
| Net interest margin | 3.4504% | 3,702 |
| Noninterest income to average assets | 0.5887% | 2,322 |
| Noninterest expense to average assets | 2.8465% | 2,546 |
| Loan and lease loss provision to assets | 0.0538% | 2,694 |
| Net operating income to assets | 0.8400% | 3,555 |
| Return on assets (ROA) | 0.8400% | 3,570 |
| Pretax return on assets | 0.8400% | 4,054 |
| Return on Equity (ROE) | 10.2643% | 2,292 |
| Retained earnings to average equity (ytd only) | 0.3948% | 4,745 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1036% | 1,580 |
| Assets per employee ($millions) | 3.1359% | 5,059 |
| Cash dividends to net income (ytd only)* | 96.1538% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,941 |
| Loan loss allowance to noncurrent loans | 330.4813% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,838 |
| Noncurrent loans to loans | 0.3032% | 3,681 |
| Net loans and leases to total assets | 54.0773% | 4,274 |
| Net loans and leases to deposits | 62.0202% | 4,341 |
| Net loans and leases to core deposits | 64.0235% | 4,421 |
| Total domestic deposits to total assets | 87.1931% | 2,048 |
| Equity capital to assets | 7.9058% | 5,297 |
| Core capital (leverage) ratio | 8.9220% | 4,772 |
| Tier 1 risk-based capital ratio | 16.1393% | 2,411 |
| Total risk-based capital ratio | 17.1462% | 2,458 |
| Memoranda: | ||
| Average total assets | $111,434,500 | 4,037 |
| Average earning assets | $101,786,000 | 4,068 |
| Average equity | $9,119,000 | 4,570 |
| Average total loans | $62,008,500 | 4,154 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,237 |
| Cost of funding earning assets | 0.5568% | 1,901 |
| Net interest margin | 3.4962% | 3,547 |
| Noninterest income to average assets | 0.5364% | 2,792 |
| Noninterest expense to average assets | 2.8863% | 2,501 |
| Loan and lease loss provision to assets | 0.0666% | 2,875 |
| Net operating income to assets | 0.7650% | 3,318 |
| Return on assets (ROA) | 0.7623% | 3,376 |
| Pretax return on assets | 0.7623% | 4,360 |
| Return on Equity (ROE) | 9.2324% | 2,198 |
| Retained earnings to average equity (ytd only) | 6.2676% | 1,397 |
| Net charge-offs to loans | 0.1367% | 1,700 |
| Credit loss provision to net charge-offs | 86.0465% | 2,853 |
| Earnings coverage of net charge-offs (x) | 10.7442% | 2,638 |
| Efficiency ratio | 77.6325% | 1,405 |
| Assets per employee ($millions) | 3.1422% | 5,091 |
| Cash dividends to net income (ytd only)* | 32.1133% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 4,118 |
| Loan loss allowance to noncurrent loans | 338.7640% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 3,845 |
| Noncurrent loans to loans | 0.2855% | 3,757 |
| Net loans and leases to total assets | 56.1454% | 4,178 |
| Net loans and leases to deposits | 64.9722% | 4,263 |
| Net loans and leases to core deposits | 67.1477% | 4,354 |
| Total domestic deposits to total assets | 86.4144% | 2,267 |
| Equity capital to assets | 8.4681% | 5,146 |
| Core capital (leverage) ratio | 8.9392% | 4,718 |
| Tier 1 risk-based capital ratio | 16.2649% | 2,341 |
| Total risk-based capital ratio | 17.2558% | 2,369 |
| Memoranda: | ||
| Average total assets | $111,110,600 | 4,040 |
| Average earning assets | $101,109,200 | 4,080 |
| Average equity | $9,174,200 | 4,584 |
| Average total loans | $62,921,800 | 4,131 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,314 |
| Cost of funding earning assets | 0.5532% | 1,870 |
| Net interest margin | 3.4589% | 3,641 |
| Noninterest income to average assets | 0.4967% | 3,043 |
| Noninterest expense to average assets | 2.8642% | 2,525 |
| Loan and lease loss provision to assets | 0.0215% | 3,718 |
| Net operating income to assets | 0.7541% | 3,716 |
| Return on assets (ROA) | 0.7505% | 3,797 |
| Pretax return on assets | 0.7505% | 4,485 |
| Return on Equity (ROE) | 9.1469% | 2,526 |
| Retained earnings to average equity (ytd only) | 5.1788% | 2,761 |
| Net charge-offs to loans | 0.0529% | 2,389 |
| Credit loss provision to net charge-offs | 72.0000% | 2,679 |
| Earnings coverage of net charge-offs (x) | 25.9220% | 1,706 |
| Efficiency ratio | 78.6912% | 1,248 |
| Assets per employee ($millions) | 3.3577% | 4,904 |
| Cash dividends to net income (ytd only)* | 43.3814% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 4,313 |
| Loan loss allowance to noncurrent loans | 640.0000% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 4,269 |
| Noncurrent loans to loans | 0.1487% | 4,459 |
| Net loans and leases to total assets | 55.4230% | 4,283 |
| Net loans and leases to deposits | 63.8827% | 4,386 |
| Net loans and leases to core deposits | 66.5664% | 4,448 |
| Total domestic deposits to total assets | 86.7574% | 1,973 |
| Equity capital to assets | 8.2830% | 5,405 |
| Core capital (leverage) ratio | 8.8017% | 4,966 |
| Tier 1 risk-based capital ratio | 15.5721% | 2,683 |
| Total risk-based capital ratio | 16.5505% | 2,730 |
| Memoranda: | ||
| Average total assets | $111,394,000 | 4,078 |
| Average earning assets | $101,225,500 | 4,116 |
| Average equity | $9,139,500 | 4,638 |
| Average total loans | $63,064,750 | 4,154 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,065 |
| Cost of funding earning assets | 0.5485% | 1,788 |
| Net interest margin | 3.4864% | 3,458 |
| Noninterest income to average assets | 0.4689% | 3,226 |
| Noninterest expense to average assets | 2.9256% | 2,340 |
| Loan and lease loss provision to assets | 0.0217% | 3,550 |
| Net operating income to assets | 0.6862% | 3,907 |
| Return on assets (ROA) | 0.6807% | 4,000 |
| Pretax return on assets | 0.6807% | 4,603 |
| Return on Equity (ROE) | 8.3241% | 2,863 |
| Retained earnings to average equity (ytd only) | 5.6232% | 2,335 |
| Net charge-offs to loans | 0.0446% | 2,313 |
| Credit loss provision to net charge-offs | 85.7143% | 2,196 |
| Earnings coverage of net charge-offs (x) | 27.9286% | 1,524 |
| Efficiency ratio | 80.5182% | 1,159 |
| Assets per employee ($millions) | 3.3299% | 4,953 |
| Cash dividends to net income (ytd only)* | 32.4468% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 4,367 |
| Loan loss allowance to noncurrent loans | 140.5963% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 2,998 |
| Noncurrent loans to loans | 0.6829% | 2,707 |
| Net loans and leases to total assets | 57.5413% | 4,078 |
| Net loans and leases to deposits | 66.6881% | 4,171 |
| Net loans and leases to core deposits | 69.2358% | 4,275 |
| Total domestic deposits to total assets | 86.2842% | 2,248 |
| Equity capital to assets | 8.5778% | 5,244 |
| Core capital (leverage) ratio | 8.7179% | 5,034 |
| Tier 1 risk-based capital ratio | 15.6970% | 2,617 |
| Total risk-based capital ratio | 16.7019% | 2,664 |
| Memoranda: | ||
| Average total assets | $110,471,330 | 4,123 |
| Average earning assets | $100,275,000 | 4,161 |
| Average equity | $9,034,000 | 4,673 |
| Average total loans | $62,793,000 | 4,181 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,200 |
| Cost of funding earning assets | 0.5423% | 1,766 |
| Net interest margin | 3.4096% | 3,625 |
| Noninterest income to average assets | 0.3900% | 3,739 |
| Noninterest expense to average assets | 2.5857% | 3,544 |
| Loan and lease loss provision to assets | 0.0217% | 3,297 |
| Net operating income to assets | 0.8703% | 2,898 |
| Return on assets (ROA) | 0.8703% | 2,952 |
| Pretax return on assets | 0.8703% | 3,866 |
| Return on Equity (ROE) | 10.9074% | 1,603 |
| Retained earnings to average equity (ytd only) | 9.3234% | 976 |
| Net charge-offs to loans | 0.3019% | 616 |
| Credit loss provision to net charge-offs | 12.7660% | 2,208 |
| Earnings coverage of net charge-offs (x) | 5.2553% | 2,309 |
| Efficiency ratio | 74.3510% | 2,173 |
| Assets per employee ($millions) | 3.2471% | 5,106 |
| Cash dividends to net income (ytd only)* | 14.5228% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,644 |
| Loan loss allowance to noncurrent loans | 116.4300% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 3,028 |
| Noncurrent loans to loans | 0.7979% | 2,464 |
| Net loans and leases to total assets | 55.4475% | 4,210 |
| Net loans and leases to deposits | 63.9271% | 4,318 |
| Net loans and leases to core deposits | 66.5608% | 4,393 |
| Total domestic deposits to total assets | 86.7355% | 2,342 |
| Equity capital to assets | 8.2092% | 5,410 |
| Core capital (leverage) ratio | 8.5212% | 5,213 |
| Tier 1 risk-based capital ratio | 15.7944% | 2,623 |
| Total risk-based capital ratio | 16.7460% | 2,685 |
| Memoranda: | ||
| Average total assets | $110,763,000 | 4,158 |
| Average earning assets | $100,306,000 | 4,199 |
| Average equity | $8,838,000 | 4,746 |
| Average total loans | $62,267,500 | 4,234 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,267 |
| Cost of funding earning assets | 0.5350% | 1,825 |
| Net interest margin | 3.4449% | 3,644 |
| Noninterest income to average assets | 0.6141% | 2,589 |
| Noninterest expense to average assets | 3.0250% | 2,276 |
| Loan and lease loss provision to assets | 0.0547% | 3,285 |
| Net operating income to assets | 0.6615% | 3,947 |
| Return on assets (ROA) | 0.6906% | 3,935 |
| Pretax return on assets | 0.6906% | 4,521 |
| Return on Equity (ROE) | 8.2309% | 2,817 |
| Retained earnings to average equity (ytd only) | 2.9427% | 3,802 |
| Net charge-offs to loans | -0.0400% | 5,338 |
| Credit loss provision to net charge-offs | -240.0000% | 5,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8573% | 1,319 |
| Assets per employee ($millions) | 3.1750% | 5,183 |
| Cash dividends to net income (ytd only)* | 64.2480% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 4,436 |
| Loan loss allowance to noncurrent loans | 473.0769% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 2,915 |
| Noncurrent loans to loans | 0.2072% | 4,413 |
| Net loans and leases to total assets | 55.9113% | 4,272 |
| Net loans and leases to deposits | 64.1429% | 4,407 |
| Net loans and leases to core deposits | 66.7512% | 4,480 |
| Total domestic deposits to total assets | 87.1668% | 2,046 |
| Equity capital to assets | 7.7507% | 5,652 |
| Core capital (leverage) ratio | 8.5186% | 5,239 |
| Tier 1 risk-based capital ratio | 15.2963% | 2,841 |
| Total risk-based capital ratio | 16.3054% | 2,871 |
| Memoranda: | ||
| Average total assets | $109,753,600 | 4,170 |
| Average earning assets | $99,624,200 | 4,212 |
| Average equity | $9,209,200 | 4,711 |
| Average total loans | $62,462,000 | 4,213 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 3,310 |
| Cost of funding earning assets | 0.5319% | 1,860 |
| Net interest margin | 3.4435% | 3,694 |
| Noninterest income to average assets | 0.6215% | 2,565 |
| Noninterest expense to average assets | 3.0709% | 2,097 |
| Loan and lease loss provision to assets | 0.0049% | 4,134 |
| Net operating income to assets | 0.6775% | 3,978 |
| Return on assets (ROA) | 0.6934% | 4,017 |
| Pretax return on assets | 0.6934% | 4,627 |
| Return on Equity (ROE) | 8.1068% | 2,955 |
| Retained earnings to average equity (ytd only) | 1.1683% | 5,038 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,214 |
| Assets per employee ($millions) | 3.3011% | 5,045 |
| Cash dividends to net income (ytd only)* | 85.5889% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 5,046 |
| Loan loss allowance to noncurrent loans | 349.0196% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 3,337 |
| Noncurrent loans to loans | 0.2430% | 4,401 |
| Net loans and leases to total assets | 55.6175% | 4,351 |
| Net loans and leases to deposits | 64.3619% | 4,458 |
| Net loans and leases to core deposits | 66.7686% | 4,555 |
| Total domestic deposits to total assets | 86.4137% | 2,164 |
| Equity capital to assets | 8.5239% | 5,514 |
| Core capital (leverage) ratio | 8.2375% | 5,548 |
| Tier 1 risk-based capital ratio | 15.1989% | 2,956 |
| Total risk-based capital ratio | 16.0875% | 3,068 |
| Memoranda: | ||
| Average total assets | $109,410,500 | 4,207 |
| Average earning assets | $99,509,250 | 4,247 |
| Average equity | $9,358,250 | 4,728 |
| Average total loans | $62,390,750 | 4,243 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 3,222 |
| Cost of funding earning assets | 0.5322% | 1,854 |
| Net interest margin | 3.4742% | 3,594 |
| Noninterest income to average assets | 0.5882% | 2,684 |
| Noninterest expense to average assets | 3.1936% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5605% | 4,436 |
| Return on assets (ROA) | 0.5421% | 4,620 |
| Pretax return on assets | 0.5421% | 5,043 |
| Return on Equity (ROE) | 6.3303% | 3,888 |
| Retained earnings to average equity (ytd only) | 2.3039% | 4,406 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0688% | 963 |
| Assets per employee ($millions) | 3.0134% | 5,417 |
| Cash dividends to net income (ytd only)* | 63.6054% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 5,114 |
| Loan loss allowance to noncurrent loans | 346.4052% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 3,342 |
| Noncurrent loans to loans | 0.2468% | 4,469 |
| Net loans and leases to total assets | 56.6498% | 4,238 |
| Net loans and leases to deposits | 65.9152% | 4,356 |
| Net loans and leases to core deposits | 68.4815% | 4,436 |
| Total domestic deposits to total assets | 85.9435% | 2,449 |
| Equity capital to assets | 8.8566% | 5,352 |
| Core capital (leverage) ratio | 8.3233% | 5,518 |
| Tier 1 risk-based capital ratio | 16.7233% | 2,339 |
| Total risk-based capital ratio | 17.6911% | 2,393 |
| Memoranda: | ||
| Average total assets | $108,468,000 | 4,255 |
| Average earning assets | $98,844,000 | 4,292 |
| Average equity | $9,288,670 | 4,778 |
| Average total loans | $62,201,670 | 4,281 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,164 |
| Cost of funding earning assets | 0.5379% | 1,805 |
| Net interest margin | 3.4785% | 3,561 |
| Noninterest income to average assets | 0.5975% | 2,550 |
| Noninterest expense to average assets | 3.0278% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7413% | 3,527 |
| Return on assets (ROA) | 0.7044% | 3,804 |
| Pretax return on assets | 0.7044% | 4,511 |
| Return on Equity (ROE) | 8.3689% | 2,725 |
| Retained earnings to average equity (ytd only) | 3.9873% | 3,499 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3327% | 1,568 |
| Assets per employee ($millions) | 3.1163% | 5,379 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 5,239 |
| Loan loss allowance to noncurrent loans | 706.6667% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 3,619 |
| Noncurrent loans to loans | 0.1199% | 4,994 |
| Net loans and leases to total assets | 56.8844% | 4,160 |
| Net loans and leases to deposits | 65.9338% | 4,268 |
| Net loans and leases to core deposits | 68.2706% | 4,375 |
| Total domestic deposits to total assets | 86.2751% | 2,552 |
| Equity capital to assets | 8.5879% | 5,503 |
| Core capital (leverage) ratio | 8.3597% | 5,509 |
| Tier 1 risk-based capital ratio | 15.7605% | 2,802 |
| Total risk-based capital ratio | 16.6741% | 2,898 |
| Memoranda: | ||
| Average total assets | $108,460,000 | 4,292 |
| Average earning assets | $98,894,500 | 4,323 |
| Average equity | $9,129,000 | 4,834 |
| Average total loans | $62,309,500 | 4,305 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 3,218 |
| Cost of funding earning assets | 0.5606% | 1,673 |
| Net interest margin | 3.4639% | 3,660 |
| Noninterest income to average assets | 0.5860% | 2,796 |
| Noninterest expense to average assets | 3.0258% | 2,457 |
| Loan and lease loss provision to assets | 0.2415% | 792 |
| Net operating income to assets | 0.4922% | 4,724 |
| Return on assets (ROA) | 0.5294% | 4,662 |
| Pretax return on assets | 0.5294% | 5,045 |
| Return on Equity (ROE) | 6.3428% | 3,876 |
| Retained earnings to average equity (ytd only) | 1.4800% | 4,878 |
| Net charge-offs to loans | 0.8614% | 250 |
| Credit loss provision to net charge-offs | 47.8821% | 3,437 |
| Earnings coverage of net charge-offs (x) | 1.4549% | 4,083 |
| Efficiency ratio | 80.4842% | 1,610 |
| Assets per employee ($millions) | 3.0814% | 5,443 |
| Cash dividends to net income (ytd only)* | 76.6667% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 5,257 |
| Loan loss allowance to noncurrent loans | 291.2088% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 3,248 |
| Noncurrent loans to loans | 0.2933% | 4,408 |
| Net loans and leases to total assets | 57.0377% | 4,195 |
| Net loans and leases to deposits | 65.9406% | 4,319 |
| Net loans and leases to core deposits | 68.2973% | 4,424 |
| Total domestic deposits to total assets | 86.4986% | 2,380 |
| Equity capital to assets | 8.2440% | 5,738 |
| Core capital (leverage) ratio | 8.2936% | 5,609 |
| Tier 1 risk-based capital ratio | 16.1969% | 2,604 |
| Total risk-based capital ratio | 17.1454% | 2,672 |
| Memoranda: | ||
| Average total assets | $107,672,600 | 4,304 |
| Average earning assets | $98,644,800 | 4,321 |
| Average equity | $8,986,600 | 4,854 |
| Average total loans | $63,035,800 | 4,291 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,293 |
| Cost of funding earning assets | 0.5712% | 1,619 |
| Net interest margin | 3.4405% | 3,796 |
| Noninterest income to average assets | 0.5822% | 2,835 |
| Noninterest expense to average assets | 2.9880% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7507% | 3,680 |
| Return on assets (ROA) | 0.8003% | 3,523 |
| Pretax return on assets | 0.8003% | 4,338 |
| Return on Equity (ROE) | 9.5590% | 2,292 |
| Retained earnings to average equity (ytd only) | 5.3121% | 2,714 |
| Net charge-offs to loans | -0.4235% | 6,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9205% | 1,667 |
| Assets per employee ($millions) | 3.2088% | 5,267 |
| Cash dividends to net income (ytd only)* | 44.4277% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 1,741 |
| Loan loss allowance to noncurrent loans | 80.3487% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 2,035 |
| Noncurrent loans to loans | 2.0085% | 1,150 |
| Net loans and leases to total assets | 56.6636% | 4,283 |
| Net loans and leases to deposits | 65.6326% | 4,416 |
| Net loans and leases to core deposits | 67.8104% | 4,561 |
| Total domestic deposits to total assets | 86.3346% | 2,366 |
| Equity capital to assets | 8.4363% | 5,742 |
| Core capital (leverage) ratio | 8.5129% | 5,544 |
| Tier 1 risk-based capital ratio | 16.6201% | 2,515 |
| Total risk-based capital ratio | 17.8777% | 2,471 |
| Memoranda: | ||
| Average total assets | $107,628,750 | 4,353 |
| Average earning assets | $98,742,250 | 4,365 |
| Average equity | $9,010,500 | 4,900 |
| Average total loans | $63,283,750 | 4,326 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 2,979 |
| Cost of funding earning assets | 0.5805% | 1,558 |
| Net interest margin | 3.4974% | 3,508 |
| Noninterest income to average assets | 0.5806% | 2,851 |
| Noninterest expense to average assets | 3.0129% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7728% | 3,523 |
| Return on assets (ROA) | 0.8475% | 3,240 |
| Pretax return on assets | 0.8475% | 4,134 |
| Return on Equity (ROE) | 10.1498% | 1,999 |
| Retained earnings to average equity (ytd only) | 3.7335% | 3,641 |
| Net charge-offs to loans | -0.6306% | 6,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5858% | 1,815 |
| Assets per employee ($millions) | 3.2435% | 5,267 |
| Cash dividends to net income (ytd only)* | 63.2159% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 1,866 |
| Loan loss allowance to noncurrent loans | 79.7010% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 2,110 |
| Noncurrent loans to loans | 2.0230% | 1,201 |
| Net loans and leases to total assets | 57.7501% | 4,133 |
| Net loans and leases to deposits | 66.7329% | 4,262 |
| Net loans and leases to core deposits | 68.7931% | 4,429 |
| Total domestic deposits to total assets | 86.5392% | 2,407 |
| Equity capital to assets | 8.1775% | 5,893 |
| Core capital (leverage) ratio | 8.4861% | 5,545 |
| Tier 1 risk-based capital ratio | 16.4301% | 2,644 |
| Total risk-based capital ratio | 17.8172% | 2,532 |
| Memoranda: | ||
| Average total assets | $107,138,330 | 4,400 |
| Average earning assets | $98,186,330 | 4,417 |
| Average equity | $8,946,000 | 4,954 |
| Average total loans | $63,433,670 | 4,357 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 2,212 |
| Cost of funding earning assets | 0.5830% | 1,559 |
| Net interest margin | 3.6813% | 2,694 |
| Noninterest income to average assets | 0.5598% | 2,893 |
| Noninterest expense to average assets | 2.8996% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0300% | 2,127 |
| Return on assets (ROA) | 1.1680% | 1,742 |
| Pretax return on assets | 1.1680% | 2,795 |
| Return on Equity (ROE) | 13.8457% | 908 |
| Retained earnings to average equity (ytd only) | 4.9986% | 3,053 |
| Net charge-offs to loans | -1.2489% | 6,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7892% | 2,851 |
| Assets per employee ($millions) | 3.1444% | 5,486 |
| Cash dividends to net income (ytd only)* | 63.8978% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 2,070 |
| Loan loss allowance to noncurrent loans | 85.6176% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 2,402 |
| Noncurrent loans to loans | 1.8621% | 1,445 |
| Net loans and leases to total assets | 58.4287% | 3,881 |
| Net loans and leases to deposits | 67.7789% | 3,980 |
| Net loans and leases to core deposits | 69.8815% | 4,167 |
| Total domestic deposits to total assets | 86.2050% | 2,825 |
| Equity capital to assets | 8.5625% | 5,697 |
| Core capital (leverage) ratio | 8.3985% | 5,632 |
| Tier 1 risk-based capital ratio | 16.3289% | 2,768 |
| Total risk-based capital ratio | 17.6867% | 2,655 |
| Memoranda: | ||
| Average total assets | $107,189,000 | 4,432 |
| Average earning assets | $98,116,500 | 4,451 |
| Average equity | $9,042,500 | 4,979 |
| Average total loans | $63,737,000 | 4,373 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 3,027 |
| Cost of funding earning assets | 0.6218% | 1,594 |
| Net interest margin | 3.5533% | 3,589 |
| Noninterest income to average assets | 0.5829% | 2,965 |
| Noninterest expense to average assets | 3.2077% | 2,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6253% | 4,250 |
| Return on assets (ROA) | 0.9903% | 2,504 |
| Pretax return on assets | 0.9903% | 3,535 |
| Return on Equity (ROE) | 12.4357% | 1,285 |
| Retained earnings to average equity (ytd only) | 7.2601% | 1,292 |
| Net charge-offs to loans | 0.0170% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 60.2727% | 791 |
| Efficiency ratio | 83.6860% | 1,449 |
| Assets per employee ($millions) | 3.0706% | 5,603 |
| Cash dividends to net income (ytd only)* | 41.6190% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 3,591 |
| Loan loss allowance to noncurrent loans | 69.4872% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 2,553 |
| Noncurrent loans to loans | 1.8282% | 1,564 |
| Net loans and leases to total assets | 58.7922% | 3,949 |
| Net loans and leases to deposits | 68.0759% | 4,120 |
| Net loans and leases to core deposits | 70.6108% | 4,269 |
| Total domestic deposits to total assets | 86.3627% | 2,635 |
| Equity capital to assets | 8.3102% | 5,887 |
| Core capital (leverage) ratio | 8.2816% | 5,789 |
| Tier 1 risk-based capital ratio | 15.7168% | 3,120 |
| Total risk-based capital ratio | 16.9698% | 3,047 |
| Memoranda: | ||
| Average total assets | $106,025,000 | 4,455 |
| Average earning assets | $96,980,400 | 4,483 |
| Average equity | $8,443,400 | 5,098 |
| Average total loans | $64,733,600 | 4,341 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,854 |
| Cost of funding earning assets | 0.6254% | 1,637 |
| Net interest margin | 3.6119% | 3,380 |
| Noninterest income to average assets | 0.5855% | 2,960 |
| Noninterest expense to average assets | 3.1167% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7697% | 3,567 |
| Return on assets (ROA) | 1.2555% | 1,566 |
| Pretax return on assets | 1.2555% | 2,552 |
| Return on Equity (ROE) | 15.9422% | 681 |
| Retained earnings to average equity (ytd only) | 8.9405% | 1,026 |
| Net charge-offs to loans | 0.0020% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 611.5113% | 126 |
| Efficiency ratio | 80.1948% | 1,883 |
| Assets per employee ($millions) | 3.0398% | 5,688 |
| Cash dividends to net income (ytd only)* | 43.9196% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 3,963 |
| Loan loss allowance to noncurrent loans | 1,192.7536% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 5,860 |
| Noncurrent loans to loans | 0.1047% | 5,619 |
| Net loans and leases to total assets | 61.1672% | 3,605 |
| Net loans and leases to deposits | 70.7313% | 3,830 |
| Net loans and leases to core deposits | 73.2000% | 4,028 |
| Total domestic deposits to total assets | 86.4783% | 2,598 |
| Equity capital to assets | 8.1623% | 6,033 |
| Core capital (leverage) ratio | 8.3916% | 5,761 |
| Tier 1 risk-based capital ratio | 15.0803% | 3,541 |
| Total risk-based capital ratio | 16.3326% | 3,477 |
| Memoranda: | ||
| Average total assets | $105,663,750 | 4,507 |
| Average earning assets | $96,567,500 | 4,535 |
| Average equity | $8,321,500 | 5,168 |
| Average total loans | $64,917,750 | 4,374 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 2,946 |
| Cost of funding earning assets | 0.6319% | 1,634 |
| Net interest margin | 3.5692% | 3,490 |
| Noninterest income to average assets | 0.5843% | 2,898 |
| Noninterest expense to average assets | 3.0411% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8006% | 3,331 |
| Return on assets (ROA) | 1.4988% | 905 |
| Pretax return on assets | 1.4988% | 1,539 |
| Return on Equity (ROE) | 19.2667% | 342 |
| Retained earnings to average equity (ytd only) | 12.2429% | 397 |
| Net charge-offs to loans | -0.0062% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1605% | 2,145 |
| Assets per employee ($millions) | 3.0976% | 5,600 |
| Cash dividends to net income (ytd only)* | 36.4557% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 4,116 |
| Loan loss allowance to noncurrent loans | 794.2308% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 5,829 |
| Noncurrent loans to loans | 0.1582% | 5,537 |
| Net loans and leases to total assets | 61.6470% | 3,458 |
| Net loans and leases to deposits | 71.3841% | 3,650 |
| Net loans and leases to core deposits | 74.3413% | 3,799 |
| Total domestic deposits to total assets | 86.3595% | 2,845 |
| Equity capital to assets | 8.2806% | 5,962 |
| Core capital (leverage) ratio | 8.2665% | 5,876 |
| Tier 1 risk-based capital ratio | 14.7400% | 3,782 |
| Total risk-based capital ratio | 15.9919% | 3,734 |
| Memoranda: | ||
| Average total assets | $105,421,000 | 4,548 |
| Average earning assets | $96,212,000 | 4,574 |
| Average equity | $8,200,670 | 5,210 |
| Average total loans | $64,590,330 | 4,405 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 3,089 |
| Cost of funding earning assets | 0.6400% | 1,645 |
| Net interest margin | 3.5074% | 3,660 |
| Noninterest income to average assets | 0.6182% | 2,628 |
| Noninterest expense to average assets | 3.1136% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7054% | 3,659 |
| Return on assets (ROA) | 2.1048% | 295 |
| Pretax return on assets | 2.1048% | 423 |
| Return on Equity (ROE) | 27.9579% | 83 |
| Retained earnings to average equity (ytd only) | 17.8830% | 185 |
| Net charge-offs to loans | -0.0062% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5293% | 1,989 |
| Assets per employee ($millions) | 3.0621% | 5,755 |
| Cash dividends to net income (ytd only)* | 36.0360% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 4,186 |
| Loan loss allowance to noncurrent loans | 808.8235% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 4,764 |
| Noncurrent loans to loans | 0.1593% | 5,605 |
| Net loans and leases to total assets | 58.9820% | 3,705 |
| Net loans and leases to deposits | 67.7419% | 3,883 |
| Net loans and leases to core deposits | 70.4750% | 4,038 |
| Total domestic deposits to total assets | 87.0688% | 2,764 |
| Equity capital to assets | 7.7192% | 6,227 |
| Core capital (leverage) ratio | 8.1937% | 5,953 |
| Tier 1 risk-based capital ratio | 14.6057% | 3,944 |
| Total risk-based capital ratio | 15.8571% | 3,894 |
| Memoranda: | ||
| Average total assets | $105,472,000 | 4,595 |
| Average earning assets | $96,253,500 | 4,617 |
| Average equity | $7,940,500 | 5,319 |
| Average total loans | $64,009,500 | 4,458 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 3,746 |
| Cost of funding earning assets | 0.7125% | 1,725 |
| Net interest margin | 3.3854% | 4,334 |
| Noninterest income to average assets | 0.6232% | 2,956 |
| Noninterest expense to average assets | 3.1238% | 2,663 |
| Loan and lease loss provision to assets | 0.0144% | 4,838 |
| Net operating income to assets | 0.5741% | 4,387 |
| Return on assets (ROA) | 0.6300% | 4,226 |
| Pretax return on assets | 0.6300% | 4,774 |
| Return on Equity (ROE) | 8.0053% | 3,032 |
| Retained earnings to average equity (ytd only) | 2.6562% | 4,357 |
| Net charge-offs to loans | 0.0246% | 4,930 |
| Credit loss provision to net charge-offs | 93.7500% | 2,658 |
| Earnings coverage of net charge-offs (x) | 38.1875% | 986 |
| Efficiency ratio | 84.1463% | 1,613 |
| Assets per employee ($millions) | 2.9648% | 5,887 |
| Cash dividends to net income (ytd only)* | 66.8196% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,199 |
| Loan loss allowance to noncurrent loans | 629.0076% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 4,909 |
| Noncurrent loans to loans | 0.2048% | 5,574 |
| Net loans and leases to total assets | 60.8621% | 3,566 |
| Net loans and leases to deposits | 70.5622% | 3,717 |
| Net loans and leases to core deposits | 73.7175% | 3,867 |
| Total domestic deposits to total assets | 86.2531% | 3,132 |
| Equity capital to assets | 7.3317% | 6,352 |
| Core capital (leverage) ratio | 8.0469% | 6,100 |
| Tier 1 risk-based capital ratio | 14.2914% | 4,090 |
| Total risk-based capital ratio | 15.6783% | 3,943 |
| Memoranda: | ||
| Average total assets | $103,815,000 | 4,652 |
| Average earning assets | $94,730,400 | 4,661 |
| Average equity | $8,169,600 | 5,293 |
| Average total loans | $64,934,400 | 4,442 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 3,882 |
| Cost of funding earning assets | 0.7263% | 1,762 |
| Net interest margin | 3.3374% | 4,506 |
| Noninterest income to average assets | 0.6202% | 3,037 |
| Noninterest expense to average assets | 3.0640% | 2,777 |
| Loan and lease loss provision to assets | 0.0193% | 4,625 |
| Net operating income to assets | 0.5817% | 4,420 |
| Return on assets (ROA) | 0.5663% | 4,649 |
| Pretax return on assets | 0.5663% | 5,148 |
| Return on Equity (ROE) | 7.0757% | 3,603 |
| Retained earnings to average equity (ytd only) | 2.4709% | 4,845 |
| Net charge-offs to loans | 0.0286% | 4,555 |
| Credit loss provision to net charge-offs | 107.1429% | 2,189 |
| Earnings coverage of net charge-offs (x) | 33.4215% | 1,147 |
| Efficiency ratio | 83.6020% | 1,647 |
| Assets per employee ($millions) | 3.0098% | 5,830 |
| Cash dividends to net income (ytd only)* | 65.0793% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 4,474 |
| Loan loss allowance to noncurrent loans | 594.2446% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 4,429 |
| Noncurrent loans to loans | 0.2162% | 5,694 |
| Net loans and leases to total assets | 62.0283% | 3,355 |
| Net loans and leases to deposits | 71.5400% | 3,568 |
| Net loans and leases to core deposits | 74.3479% | 3,800 |
| Total domestic deposits to total assets | 86.7043% | 2,852 |
| Equity capital to assets | 7.7745% | 6,271 |
| Core capital (leverage) ratio | 8.0417% | 6,193 |
| Tier 1 risk-based capital ratio | 14.4807% | 4,082 |
| Total risk-based capital ratio | 15.8529% | 3,963 |
| Memoranda: | ||
| Average total assets | $103,826,500 | 4,695 |
| Average earning assets | $94,721,250 | 4,700 |
| Average equity | $8,310,000 | 5,314 |
| Average total loans | $65,173,000 | 4,480 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 3,860 |
| Cost of funding earning assets | 0.7390% | 1,781 |
| Net interest margin | 3.3257% | 4,468 |
| Noninterest income to average assets | 0.6001% | 3,191 |
| Noninterest expense to average assets | 2.9485% | 3,174 |
| Loan and lease loss provision to assets | 0.0288% | 4,352 |
| Net operating income to assets | 0.6595% | 4,020 |
| Return on assets (ROA) | 0.6556% | 4,200 |
| Pretax return on assets | 0.6556% | 4,828 |
| Return on Equity (ROE) | 8.1158% | 3,031 |
| Retained earnings to average equity (ytd only) | 1.3052% | 5,371 |
| Net charge-offs to loans | 0.0428% | 4,078 |
| Credit loss provision to net charge-offs | 107.1429% | 2,068 |
| Earnings coverage of net charge-offs (x) | 25.6429% | 1,260 |
| Efficiency ratio | 81.0754% | 2,017 |
| Assets per employee ($millions) | 2.8124% | 6,149 |
| Cash dividends to net income (ytd only)* | 83.9181% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 4,533 |
| Loan loss allowance to noncurrent loans | 321.4008% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 4,162 |
| Noncurrent loans to loans | 0.4030% | 5,257 |
| Net loans and leases to total assets | 62.1710% | 3,260 |
| Net loans and leases to deposits | 71.9150% | 3,457 |
| Net loans and leases to core deposits | 75.0471% | 3,668 |
| Total domestic deposits to total assets | 86.4507% | 3,141 |
| Equity capital to assets | 8.0053% | 6,195 |
| Core capital (leverage) ratio | 7.8033% | 6,309 |
| Tier 1 risk-based capital ratio | 14.5178% | 4,087 |
| Total risk-based capital ratio | 15.9014% | 3,963 |
| Memoranda: | ||
| Average total assets | $104,324,000 | 4,718 |
| Average earning assets | $95,258,000 | 4,714 |
| Average equity | $8,428,000 | 5,328 |
| Average total loans | $65,463,330 | 4,481 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 3,901 |
| Cost of funding earning assets | 0.7325% | 1,978 |
| Net interest margin | 3.3230% | 4,429 |
| Noninterest income to average assets | 0.6121% | 3,070 |
| Noninterest expense to average assets | 2.8792% | 3,428 |
| Loan and lease loss provision to assets | 0.0567% | 3,690 |
| Net operating income to assets | 0.7103% | 3,640 |
| Return on assets (ROA) | 0.7028% | 3,813 |
| Pretax return on assets | 0.7028% | 4,566 |
| Return on Equity (ROE) | 8.6617% | 2,648 |
| Retained earnings to average equity (ytd only) | -0.6520% | 5,907 |
| Net charge-offs to loans | -0.0121% | 5,512 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9637% | 2,467 |
| Assets per employee ($millions) | 2.9741% | 6,037 |
| Cash dividends to net income (ytd only)* | 107.5269% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 4,830 |
| Loan loss allowance to noncurrent loans | 157.9737% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 3,848 |
| Noncurrent loans to loans | 0.8062% | 4,513 |
| Net loans and leases to total assets | 60.9631% | 3,254 |
| Net loans and leases to deposits | 72.6188% | 3,104 |
| Net loans and leases to core deposits | 75.7146% | 3,362 |
| Total domestic deposits to total assets | 83.9495% | 4,499 |
| Equity capital to assets | 8.0566% | 6,348 |
| Core capital (leverage) ratio | 7.5842% | 6,429 |
| Tier 1 risk-based capital ratio | 13.7185% | 4,708 |
| Total risk-based capital ratio | 15.1049% | 4,573 |
| Memoranda: | ||
| Average total assets | $105,863,500 | 4,724 |
| Average earning assets | $96,658,500 | 4,722 |
| Average equity | $8,589,500 | 5,336 |
| Average total loans | $66,309,500 | 4,483 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 4,170 |
| Cost of funding earning assets | 0.9116% | 1,871 |
| Net interest margin | 3.3940% | 4,905 |
| Noninterest income to average assets | 0.6387% | 3,058 |
| Noninterest expense to average assets | 3.0758% | 2,998 |
| Loan and lease loss provision to assets | 0.0888% | 4,581 |
| Net operating income to assets | 0.5798% | 4,335 |
| Return on assets (ROA) | 0.7126% | 3,941 |
| Pretax return on assets | 0.7126% | 4,626 |
| Return on Equity (ROE) | 9.1439% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.7000% | 2,252 |
| Net charge-offs to loans | 0.0427% | 5,316 |
| Credit loss provision to net charge-offs | 327.5862% | 741 |
| Earnings coverage of net charge-offs (x) | 24.6552% | 1,164 |
| Efficiency ratio | 82.1429% | 1,845 |
| Assets per employee ($millions) | 2.9903% | 6,028 |
| Cash dividends to net income (ytd only)* | 37.6640% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 4,929 |
| Loan loss allowance to noncurrent loans | 189.6552% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 5,226 |
| Noncurrent loans to loans | 0.6541% | 4,892 |
| Net loans and leases to total assets | 62.7562% | 3,103 |
| Net loans and leases to deposits | 75.1539% | 2,928 |
| Net loans and leases to core deposits | 78.2231% | 3,228 |
| Total domestic deposits to total assets | 83.5036% | 4,533 |
| Equity capital to assets | 8.1723% | 6,304 |
| Core capital (leverage) ratio | 7.7010% | 6,405 |
| Tier 1 risk-based capital ratio | 13.8282% | 4,516 |
| Total risk-based capital ratio | 15.1225% | 4,434 |
| Memoranda: | ||
| Average total assets | $106,932,600 | 4,656 |
| Average earning assets | $97,848,400 | 4,639 |
| Average equity | $8,333,400 | 5,411 |
| Average total loans | $67,878,800 | 4,427 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 4,350 |
| Cost of funding earning assets | 0.9551% | 1,825 |
| Net interest margin | 3.3693% | 5,140 |
| Noninterest income to average assets | 0.6561% | 2,963 |
| Noninterest expense to average assets | 3.1081% | 2,863 |
| Loan and lease loss provision to assets | 0.0992% | 4,325 |
| Net operating income to assets | 0.5333% | 4,691 |
| Return on assets (ROA) | 0.5891% | 4,711 |
| Pretax return on assets | 0.5891% | 5,201 |
| Return on Equity (ROE) | 7.6502% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.0278% | 4,733 |
| Net charge-offs to loans | 0.0410% | 5,074 |
| Credit loss provision to net charge-offs | 380.9524% | 709 |
| Earnings coverage of net charge-offs (x) | 24.2850% | 1,284 |
| Efficiency ratio | 83.0902% | 1,693 |
| Assets per employee ($millions) | 2.9273% | 6,170 |
| Cash dividends to net income (ytd only)* | 60.4213% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 5,213 |
| Loan loss allowance to noncurrent loans | 227.8552% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 5,624 |
| Noncurrent loans to loans | 0.5339% | 5,375 |
| Net loans and leases to total assets | 63.0253% | 3,201 |
| Net loans and leases to deposits | 75.2936% | 3,095 |
| Net loans and leases to core deposits | 78.0589% | 3,451 |
| Total domestic deposits to total assets | 83.7061% | 4,355 |
| Equity capital to assets | 8.0098% | 6,585 |
| Core capital (leverage) ratio | 7.1998% | 6,750 |
| Tier 1 risk-based capital ratio | 13.0982% | 5,170 |
| Total risk-based capital ratio | 14.3658% | 5,118 |
| Memoranda: | ||
| Average total assets | $107,501,000 | 4,695 |
| Average earning assets | $98,417,000 | 4,682 |
| Average equity | $8,278,500 | 5,484 |
| Average total loans | $68,222,250 | 4,460 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 4,487 |
| Cost of funding earning assets | 0.9803% | 1,879 |
| Net interest margin | 3.3402% | 5,302 |
| Noninterest income to average assets | 0.6672% | 2,849 |
| Noninterest expense to average assets | 3.0571% | 3,058 |
| Loan and lease loss provision to assets | 0.1201% | 4,026 |
| Net operating income to assets | 0.5508% | 4,580 |
| Return on assets (ROA) | 0.5933% | 4,654 |
| Pretax return on assets | 0.5933% | 5,163 |
| Return on Equity (ROE) | 7.8061% | 3,347 |
| Retained earnings to average equity (ytd only) | 0.8268% | 5,734 |
| Net charge-offs to loans | 0.0379% | 4,843 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 27.9231% | 1,117 |
| Efficiency ratio | 82.0030% | 1,880 |
| Assets per employee ($millions) | 3.0538% | 5,945 |
| Cash dividends to net income (ytd only)* | 89.4081% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,343 |
| Loan loss allowance to noncurrent loans | 180.2222% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 5,757 |
| Noncurrent loans to loans | 0.6667% | 5,170 |
| Net loans and leases to total assets | 60.6604% | 3,690 |
| Net loans and leases to deposits | 74.1288% | 3,274 |
| Net loans and leases to core deposits | 78.9270% | 3,370 |
| Total domestic deposits to total assets | 81.8311% | 5,192 |
| Equity capital to assets | 7.5345% | 6,787 |
| Core capital (leverage) ratio | 6.9894% | 6,823 |
| Tier 1 risk-based capital ratio | 12.6365% | 5,466 |
| Total risk-based capital ratio | 13.9420% | 5,397 |
| Memoranda: | ||
| Average total assets | $108,207,000 | 4,712 |
| Average earning assets | $99,156,670 | 4,687 |
| Average equity | $8,224,330 | 5,508 |
| Average total loans | $68,551,000 | 4,466 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 4,446 |
| Cost of funding earning assets | 0.9969% | 1,997 |
| Net interest margin | 3.3732% | 5,227 |
| Noninterest income to average assets | 0.6894% | 2,713 |
| Noninterest expense to average assets | 3.2010% | 2,596 |
| Loan and lease loss provision to assets | 0.1304% | 3,716 |
| Net operating income to assets | 0.4472% | 5,048 |
| Return on assets (ROA) | 0.4472% | 5,239 |
| Pretax return on assets | 0.4472% | 5,591 |
| Return on Equity (ROE) | 5.8572% | 4,370 |
| Retained earnings to average equity (ytd only) | -3.9048% | 6,482 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7140% | 1,610 |
| Assets per employee ($millions) | 3.0582% | 6,047 |
| Cash dividends to net income (ytd only)* | 166.6667% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,665 |
| Loan loss allowance to noncurrent loans | 187.2642% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 5,914 |
| Noncurrent loans to loans | 0.6207% | 5,411 |
| Net loans and leases to total assets | 61.3238% | 3,388 |
| Net loans and leases to deposits | 74.7401% | 3,006 |
| Net loans and leases to core deposits | 79.5539% | 3,112 |
| Total domestic deposits to total assets | 82.0493% | 5,279 |
| Equity capital to assets | 7.3717% | 6,828 |
| Core capital (leverage) ratio | 7.0405% | 6,828 |
| Tier 1 risk-based capital ratio | 11.8105% | 6,077 |
| Total risk-based capital ratio | 13.0899% | 6,043 |
| Memoranda: | ||
| Average total assets | $107,343,000 | 4,764 |
| Average earning assets | $98,304,500 | 4,736 |
| Average equity | $8,195,000 | 5,534 |
| Average total loans | $69,077,500 | 4,477 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 4,445 |
| Cost of funding earning assets | 1.1034% | 2,652 |
| Net interest margin | 3.5487% | 4,943 |
| Noninterest income to average assets | 0.8225% | 1,955 |
| Noninterest expense to average assets | 2.9929% | 3,619 |
| Loan and lease loss provision to assets | 0.1433% | 4,825 |
| Net operating income to assets | 0.9582% | 2,372 |
| Return on assets (ROA) | 0.9582% | 2,504 |
| Pretax return on assets | 0.9400% | 3,468 |
| Return on Equity (ROE) | 13.4714% | 1,053 |
| Retained earnings to average equity (ytd only) | 12.3029% | 278 |
| Net charge-offs to loans | 0.1822% | 4,696 |
| Credit loss provision to net charge-offs | 118.1102% | 2,717 |
| Earnings coverage of net charge-offs (x) | 8.9291% | 2,064 |
| Efficiency ratio | 73.4240% | 3,320 |
| Assets per employee ($millions) | 2.9883% | 6,108 |
| Cash dividends to net income (ytd only)* | 8.6740% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,861 |
| Loan loss allowance to noncurrent loans | 530.7692% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 6,580 |
| Noncurrent loans to loans | 0.2047% | 6,338 |
| Net loans and leases to total assets | 66.0551% | 2,774 |
| Net loans and leases to deposits | 81.6776% | 2,247 |
| Net loans and leases to core deposits | 86.6501% | 2,551 |
| Total domestic deposits to total assets | 80.8729% | 5,487 |
| Equity capital to assets | 7.9109% | 6,624 |
| Core capital (leverage) ratio | 7.1710% | 6,804 |
| Tier 1 risk-based capital ratio | 12.1750% | 5,705 |
| Total risk-based capital ratio | 13.4368% | 5,672 |
| Memoranda: | ||
| Average total assets | $104,680,200 | 4,768 |
| Average earning assets | $95,979,400 | 4,752 |
| Average equity | $7,445,400 | 5,736 |
| Average total loans | $69,718,800 | 4,502 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 4,601 |
| Cost of funding earning assets | 1.1169% | 2,865 |
| Net interest margin | 3.5507% | 4,981 |
| Noninterest income to average assets | 0.8112% | 2,000 |
| Noninterest expense to average assets | 3.0282% | 3,448 |
| Loan and lease loss provision to assets | 0.1337% | 4,761 |
| Net operating income to assets | 0.9283% | 2,630 |
| Return on assets (ROA) | 0.9105% | 2,837 |
| Pretax return on assets | 0.8863% | 3,820 |
| Return on Equity (ROE) | 13.1704% | 1,233 |
| Retained earnings to average equity (ytd only) | 11.5679% | 544 |
| Net charge-offs to loans | 0.2047% | 4,166 |
| Credit loss provision to net charge-offs | 98.1308% | 3,481 |
| Earnings coverage of net charge-offs (x) | 7.6170% | 2,330 |
| Efficiency ratio | 74.4754% | 3,089 |
| Assets per employee ($millions) | 3.1341% | 5,829 |
| Cash dividends to net income (ytd only)* | 12.1681% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 6,090 |
| Loan loss allowance to noncurrent loans | 313.6752% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 6,169 |
| Noncurrent loans to loans | 0.3312% | 6,189 |
| Net loans and leases to total assets | 65.6066% | 2,982 |
| Net loans and leases to deposits | 80.6532% | 2,568 |
| Net loans and leases to core deposits | 85.4470% | 2,852 |
| Total domestic deposits to total assets | 81.3440% | 5,314 |
| Equity capital to assets | 7.6351% | 6,876 |
| Core capital (leverage) ratio | 6.9335% | 6,978 |
| Tier 1 risk-based capital ratio | 11.6168% | 6,161 |
| Total risk-based capital ratio | 12.8650% | 6,156 |
| Memoranda: | ||
| Average total assets | $104,702,750 | 4,799 |
| Average earning assets | $95,978,750 | 4,777 |
| Average equity | $7,238,250 | 5,834 |
| Average total loans | $69,687,000 | 4,539 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 4,759 |
| Cost of funding earning assets | 1.1372% | 2,982 |
| Net interest margin | 3.5124% | 5,099 |
| Noninterest income to average assets | 0.7359% | 2,344 |
| Noninterest expense to average assets | 3.0053% | 3,623 |
| Loan and lease loss provision to assets | 0.1153% | 4,845 |
| Net operating income to assets | 0.8685% | 2,779 |
| Return on assets (ROA) | 0.8416% | 2,995 |
| Pretax return on assets | 0.8051% | 4,007 |
| Return on Equity (ROE) | 12.6243% | 1,299 |
| Retained earnings to average equity (ytd only) | 10.1167% | 820 |
| Net charge-offs to loans | 0.3027% | 3,355 |
| Credit loss provision to net charge-offs | 57.1429% | 4,411 |
| Earnings coverage of net charge-offs (x) | 4.6952% | 2,799 |
| Efficiency ratio | 76.0331% | 3,005 |
| Assets per employee ($millions) | 2.9479% | 6,200 |
| Cash dividends to net income (ytd only)* | 19.8630% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 6,373 |
| Loan loss allowance to noncurrent loans | 411.3095% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 6,374 |
| Noncurrent loans to loans | 0.2409% | 6,440 |
| Net loans and leases to total assets | 65.0689% | 3,244 |
| Net loans and leases to deposits | 79.4347% | 2,905 |
| Net loans and leases to core deposits | 83.5794% | 3,275 |
| Total domestic deposits to total assets | 81.9149% | 5,199 |
| Equity capital to assets | 7.0784% | 7,083 |
| Core capital (leverage) ratio | 6.6849% | 7,082 |
| Tier 1 risk-based capital ratio | 11.2165% | 6,371 |
| Total risk-based capital ratio | 12.4212% | 6,396 |
| Memoranda: | ||
| Average total assets | $104,083,330 | 4,854 |
| Average earning assets | $95,319,670 | 4,837 |
| Average equity | $6,939,000 | 5,938 |
| Average total loans | $69,367,670 | 4,599 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 4,799 |
| Cost of funding earning assets | 1.1634% | 3,064 |
| Net interest margin | 3.4733% | 5,130 |
| Noninterest income to average assets | 0.7180% | 2,465 |
| Noninterest expense to average assets | 3.0972% | 3,256 |
| Loan and lease loss provision to assets | 0.1164% | 4,555 |
| Net operating income to assets | 0.7529% | 3,259 |
| Return on assets (ROA) | 0.7529% | 3,323 |
| Pretax return on assets | 0.6792% | 4,386 |
| Return on Equity (ROE) | 11.6648% | 1,557 |
| Retained earnings to average equity (ytd only) | 11.6648% | 787 |
| Net charge-offs to loans | -0.0116% | 6,400 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5613% | 2,613 |
| Assets per employee ($millions) | 3.0503% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,991 |
| Loan loss allowance to noncurrent loans | 449.1228% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 5,833 |
| Noncurrent loans to loans | 0.2483% | 6,489 |
| Net loans and leases to total assets | 63.7886% | 3,475 |
| Net loans and leases to deposits | 77.1563% | 3,226 |
| Net loans and leases to core deposits | 81.3625% | 3,547 |
| Total domestic deposits to total assets | 82.6745% | 5,033 |
| Equity capital to assets | 6.4105% | 7,234 |
| Core capital (leverage) ratio | 6.6209% | 7,138 |
| Tier 1 risk-based capital ratio | 11.0133% | 6,502 |
| Total risk-based capital ratio | 12.3190% | 6,436 |
| Memoranda: | ||
| Average total assets | $103,062,000 | 4,915 |
| Average earning assets | $94,204,500 | 4,907 |
| Average equity | $6,652,500 | 6,042 |
| Average total loans | $69,178,500 | 4,645 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 4,267 |
| Cost of funding earning assets | 1.3771% | 3,407 |
| Net interest margin | 3.6861% | 4,411 |
| Noninterest income to average assets | 0.7886% | 2,334 |
| Noninterest expense to average assets | 3.4023% | 2,435 |
| Loan and lease loss provision to assets | 0.2039% | 5,205 |
| Net operating income to assets | 0.5533% | 3,877 |
| Return on assets (ROA) | 0.6913% | 3,391 |
| Pretax return on assets | 0.6715% | 4,088 |
| Return on Equity (ROE) | 10.0904% | 1,892 |
| Retained earnings to average equity (ytd only) | 8.7623% | 764 |
| Net charge-offs to loans | 0.2244% | 4,943 |
| Credit loss provision to net charge-offs | 123.4177% | 3,364 |
| Earnings coverage of net charge-offs (x) | 4.4620% | 2,915 |
| Efficiency ratio | 82.1880% | 2,140 |
| Assets per employee ($millions) | 3.0110% | 6,076 |
| Cash dividends to net income (ytd only)* | 13.1619% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 6,112 |
| Loan loss allowance to noncurrent loans | 462.8931% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 5,764 |
| Noncurrent loans to loans | 0.2288% | 6,605 |
| Net loans and leases to total assets | 69.1924% | 2,726 |
| Net loans and leases to deposits | 84.7167% | 2,339 |
| Net loans and leases to core deposits | 89.7415% | 2,805 |
| Total domestic deposits to total assets | 81.6751% | 5,303 |
| Equity capital to assets | 6.5025% | 7,256 |
| Core capital (leverage) ratio | 6.6253% | 7,165 |
| Tier 1 risk-based capital ratio | 10.6044% | 6,635 |
| Total risk-based capital ratio | 11.7825% | 6,657 |
| Memoranda: | ||
| Average total assets | $95,612,200 | 5,108 |
| Average earning assets | $86,920,000 | 5,120 |
| Average equity | $6,550,800 | 6,185 |
| Average total loans | $70,425,600 | 4,671 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 4,454 |
| Cost of funding earning assets | 1.4031% | 3,564 |
| Net interest margin | 3.6714% | 4,535 |
| Noninterest income to average assets | 0.7774% | 2,338 |
| Noninterest expense to average assets | 3.5024% | 2,028 |
| Loan and lease loss provision to assets | 0.1267% | 5,759 |
| Net operating income to assets | 0.5098% | 4,271 |
| Return on assets (ROA) | 0.5126% | 4,449 |
| Pretax return on assets | 0.4859% | 4,976 |
| Return on Equity (ROE) | 7.3833% | 3,161 |
| Retained earnings to average equity (ytd only) | 5.6185% | 2,581 |
| Net charge-offs to loans | 0.1925% | 4,797 |
| Credit loss provision to net charge-offs | 88.2353% | 4,840 |
| Earnings coverage of net charge-offs (x) | 4.2450% | 3,138 |
| Efficiency ratio | 85.1712% | 1,714 |
| Assets per employee ($millions) | 2.7782% | 6,628 |
| Cash dividends to net income (ytd only)* | 23.9018% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 6,528 |
| Loan loss allowance to noncurrent loans | 134.4423% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 5,181 |
| Noncurrent loans to loans | 0.7200% | 5,774 |
| Net loans and leases to total assets | 70.2715% | 2,672 |
| Net loans and leases to deposits | 86.2716% | 2,279 |
| Net loans and leases to core deposits | 90.7567% | 2,989 |
| Total domestic deposits to total assets | 81.4538% | 5,218 |
| Equity capital to assets | 6.8010% | 7,382 |
| Core capital (leverage) ratio | 6.5477% | 7,323 |
| Tier 1 risk-based capital ratio | 10.0340% | 7,051 |
| Total risk-based capital ratio | 11.1252% | 7,120 |
| Memoranda: | ||
| Average total assets | $94,674,750 | 5,203 |
| Average earning assets | $85,996,000 | 5,207 |
| Average equity | $6,573,250 | 6,250 |
| Average total loans | $70,660,250 | 4,727 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1463% | 4,209 |
| Cost of funding earning assets | 1.4507% | 3,553 |
| Net interest margin | 3.6955% | 4,383 |
| Noninterest income to average assets | 0.7277% | 2,533 |
| Noninterest expense to average assets | 3.5460% | 1,918 |
| Loan and lease loss provision to assets | 0.1292% | 5,588 |
| Net operating income to assets | 0.4500% | 4,555 |
| Return on assets (ROA) | 0.4392% | 4,742 |
| Pretax return on assets | 0.3983% | 5,231 |
| Return on Equity (ROE) | 6.2798% | 3,658 |
| Retained earnings to average equity (ytd only) | 3.6017% | 3,806 |
| Net charge-offs to loans | 0.0539% | 5,623 |
| Credit loss provision to net charge-offs | 315.7895% | 1,157 |
| Earnings coverage of net charge-offs (x) | 13.1579% | 1,610 |
| Efficiency ratio | 86.8213% | 1,617 |
| Assets per employee ($millions) | 2.5759% | 6,991 |
| Cash dividends to net income (ytd only)* | 42.6471% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 6,270 |
| Loan loss allowance to noncurrent loans | 286.8217% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 5,608 |
| Noncurrent loans to loans | 0.3591% | 6,517 |
| Net loans and leases to total assets | 76.6838% | 1,349 |
| Net loans and leases to deposits | 95.4946% | 1,093 |
| Net loans and leases to core deposits | 98.0896% | 2,218 |
| Total domestic deposits to total assets | 80.3017% | 5,632 |
| Equity capital to assets | 7.0934% | 7,312 |
| Core capital (leverage) ratio | 6.6329% | 7,337 |
| Tier 1 risk-based capital ratio | 9.4430% | 7,286 |
| Total risk-based capital ratio | 10.5794% | 7,323 |
| Memoranda: | ||
| Average total assets | $92,894,670 | 5,282 |
| Average earning assets | $84,372,000 | 5,284 |
| Average equity | $6,497,000 | 6,299 |
| Average total loans | $70,557,330 | 4,776 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 4,541 |
| Cost of funding earning assets | 1.4989% | 3,567 |
| Net interest margin | 3.5983% | 4,739 |
| Noninterest income to average assets | 0.7443% | 2,332 |
| Noninterest expense to average assets | 3.7257% | 1,464 |
| Loan and lease loss provision to assets | 0.1291% | 5,278 |
| Net operating income to assets | 0.2452% | 5,517 |
| Return on assets (ROA) | 0.2237% | 5,723 |
| Pretax return on assets | 0.1420% | 6,036 |
| Return on Equity (ROE) | 3.2216% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.2216% | 4,218 |
| Net charge-offs to loans | -0.0286% | 7,176 |
| Credit loss provision to net charge-offs | -600.0000% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7195% | 1,226 |
| Assets per employee ($millions) | 2.4361% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 6,213 |
| Loan loss allowance to noncurrent loans | 108.9021% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 5,572 |
| Noncurrent loans to loans | 0.9673% | 5,402 |
| Net loans and leases to total assets | 74.4739% | 1,868 |
| Net loans and leases to deposits | 91.3659% | 1,703 |
| Net loans and leases to core deposits | 93.8191% | 2,861 |
| Total domestic deposits to total assets | 81.5117% | 5,263 |
| Equity capital to assets | 7.0129% | 7,362 |
| Core capital (leverage) ratio | 6.5671% | 7,442 |
| Tier 1 risk-based capital ratio | 9.5231% | 7,294 |
| Total risk-based capital ratio | 10.6906% | 7,334 |
| Memoranda: | ||
| Average total assets | $92,975,000 | 5,353 |
| Average earning assets | $84,595,500 | 5,347 |
| Average equity | $6,456,500 | 6,359 |
| Average total loans | $69,910,000 | 4,865 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 4,775 |
| Cost of funding earning assets | 1.9590% | 3,165 |
| Net interest margin | 3.4235% | 5,275 |
| Noninterest income to average assets | 0.7873% | 2,467 |
| Noninterest expense to average assets | 3.5296% | 2,313 |
| Loan and lease loss provision to assets | 0.1854% | 5,855 |
| Net operating income to assets | 0.2109% | 4,867 |
| Return on assets (ROA) | 0.2946% | 4,635 |
| Pretax return on assets | 0.2744% | 4,833 |
| Return on Equity (ROE) | 4.5498% | 3,859 |
| Retained earnings to average equity (ytd only) | 3.1259% | 2,973 |
| Net charge-offs to loans | 0.1928% | 5,439 |
| Credit loss provision to net charge-offs | 134.6154% | 3,685 |
| Earnings coverage of net charge-offs (x) | 2.7308% | 3,734 |
| Efficiency ratio | 90.3690% | 1,680 |
| Assets per employee ($millions) | 2.5237% | 7,163 |
| Cash dividends to net income (ytd only)* | 31.2950% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,412 |
| Loan loss allowance to noncurrent loans | 217.0807% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 6,577 |
| Noncurrent loans to loans | 0.4591% | 6,345 |
| Net loans and leases to total assets | 74.3698% | 2,172 |
| Net loans and leases to deposits | 94.1410% | 1,575 |
| Net loans and leases to core deposits | 117.7852% | 2,152 |
| Total domestic deposits to total assets | 78.9983% | 5,977 |
| Equity capital to assets | 6.8764% | 7,426 |
| Core capital (leverage) ratio | 6.4822% | 7,500 |
| Tier 1 risk-based capital ratio | 9.4031% | 7,277 |
| Total risk-based capital ratio | 10.5026% | 7,353 |
| Memoranda: | ||
| Average total assets | $94,372,000 | 5,259 |
| Average earning assets | $85,964,400 | 5,264 |
| Average equity | $6,110,200 | 6,569 |
| Average total loans | $67,416,600 | 4,964 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4294% | 4,795 |
| Cost of funding earning assets | 2.0341% | 3,192 |
| Net interest margin | 3.3953% | 5,286 |
| Noninterest income to average assets | 0.7595% | 2,651 |
| Noninterest expense to average assets | 3.5650% | 2,110 |
| Loan and lease loss provision to assets | 0.1268% | 6,082 |
| Net operating income to assets | 0.1874% | 5,202 |
| Return on assets (ROA) | 0.2987% | 4,898 |
| Pretax return on assets | 0.2720% | 5,129 |
| Return on Equity (ROE) | 4.6856% | 4,086 |
| Retained earnings to average equity (ytd only) | 2.7627% | 3,790 |
| Net charge-offs to loans | 0.0499% | 6,219 |
| Credit loss provision to net charge-offs | 360.0000% | 1,135 |
| Earnings coverage of net charge-offs (x) | 8.1605% | 2,296 |
| Efficiency ratio | 92.5384% | 1,497 |
| Assets per employee ($millions) | 2.3725% | 7,417 |
| Cash dividends to net income (ytd only)* | 41.0387% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 5,969 |
| Loan loss allowance to noncurrent loans | 165.2874% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 6,312 |
| Noncurrent loans to loans | 0.6400% | 6,017 |
| Net loans and leases to total assets | 70.8686% | 3,299 |
| Net loans and leases to deposits | 92.7950% | 2,097 |
| Net loans and leases to core deposits | 115.8251% | 2,644 |
| Total domestic deposits to total assets | 76.3712% | 6,505 |
| Equity capital to assets | 6.5363% | 7,756 |
| Core capital (leverage) ratio | 6.2527% | 7,748 |
| Tier 1 risk-based capital ratio | 9.5135% | 7,363 |
| Total risk-based capital ratio | 10.7243% | 7,352 |
| Memoranda: | ||
| Average total assets | $94,620,500 | 5,284 |
| Average earning assets | $86,195,500 | 5,299 |
| Average equity | $6,032,500 | 6,652 |
| Average total loans | $66,734,750 | 5,029 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5156% | 4,538 |
| Cost of funding earning assets | 2.0649% | 3,449 |
| Net interest margin | 3.4507% | 4,983 |
| Noninterest income to average assets | 0.7448% | 2,729 |
| Noninterest expense to average assets | 3.4890% | 2,371 |
| Loan and lease loss provision to assets | 0.1269% | 5,835 |
| Net operating income to assets | 0.3089% | 4,855 |
| Return on assets (ROA) | 0.4083% | 4,588 |
| Pretax return on assets | 0.3681% | 5,021 |
| Return on Equity (ROE) | 6.4595% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.5477% | 3,327 |
| Net charge-offs to loans | 0.0151% | 6,323 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 852 |
| Efficiency ratio | 89.8148% | 1,832 |
| Assets per employee ($millions) | 2.5022% | 7,241 |
| Cash dividends to net income (ytd only)* | 45.0777% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 5,912 |
| Loan loss allowance to noncurrent loans | 153.7961% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 6,223 |
| Noncurrent loans to loans | 0.6825% | 5,884 |
| Net loans and leases to total assets | 70.2897% | 3,631 |
| Net loans and leases to deposits | 91.5824% | 2,557 |
| Net loans and leases to core deposits | 114.7737% | 2,830 |
| Total domestic deposits to total assets | 76.7503% | 6,391 |
| Equity capital to assets | 6.2260% | 7,890 |
| Core capital (leverage) ratio | 6.3380% | 7,848 |
| Tier 1 risk-based capital ratio | 9.3725% | 7,490 |
| Total risk-based capital ratio | 10.4869% | 7,572 |
| Memoranda: | ||
| Average total assets | $94,527,000 | 5,325 |
| Average earning assets | $86,011,000 | 5,337 |
| Average equity | $5,975,670 | 6,727 |
| Average total loans | $66,321,670 | 5,093 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5777% | 4,481 |
| Cost of funding earning assets | 2.1115% | 3,596 |
| Net interest margin | 3.4662% | 4,869 |
| Noninterest income to average assets | 0.6791% | 3,010 |
| Noninterest expense to average assets | 3.4632% | 2,193 |
| Loan and lease loss provision to assets | 0.1273% | 5,329 |
| Net operating income to assets | 0.2377% | 5,539 |
| Return on assets (ROA) | 0.4329% | 4,905 |
| Pretax return on assets | 0.4329% | 5,300 |
| Return on Equity (ROE) | 6.7960% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.7960% | 2,290 |
| Net charge-offs to loans | 0.0426% | 4,883 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 12.2857% | 1,815 |
| Efficiency ratio | 90.4656% | 1,686 |
| Assets per employee ($millions) | 2.4244% | 7,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 5,967 |
| Loan loss allowance to noncurrent loans | 280.9129% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 6,209 |
| Noncurrent loans to loans | 0.3658% | 6,514 |
| Net loans and leases to total assets | 68.9670% | 3,926 |
| Net loans and leases to deposits | 89.9844% | 2,932 |
| Net loans and leases to core deposits | 109.8682% | 3,453 |
| Total domestic deposits to total assets | 76.6433% | 6,373 |
| Equity capital to assets | 6.2506% | 7,943 |
| Core capital (leverage) ratio | 6.3738% | 7,922 |
| Tier 1 risk-based capital ratio | 9.5254% | 7,406 |
| Total risk-based capital ratio | 10.6176% | 7,490 |
| Memoranda: | ||
| Average total assets | $94,248,000 | 5,367 |
| Average earning assets | $85,626,500 | 5,374 |
| Average equity | $6,003,500 | 6,755 |
| Average total loans | $65,710,500 | 5,140 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5173% | 2,878 |
| Cost of funding earning assets | 2.6804% | 3,256 |
| Net interest margin | 3.8369% | 3,857 |
| Noninterest income to average assets | 0.8145% | 2,431 |
| Noninterest expense to average assets | 3.4386% | 2,556 |
| Loan and lease loss provision to assets | 0.0872% | 6,293 |
| Net operating income to assets | 0.7672% | 3,583 |
| Return on assets (ROA) | -2.0638% | 7,577 |
| Pretax return on assets | -2.0835% | 7,465 |
| Return on Equity (ROE) | -29.0798% | 7,943 |
| Retained earnings to average equity (ytd only) | -36.9309% | 8,007 |
| Net charge-offs to loans | 0.1876% | 4,321 |
| Credit loss provision to net charge-offs | 72.4138% | 6,039 |
| Earnings coverage of net charge-offs (x) | 7.1724% | 3,169 |
| Efficiency ratio | 79.9325% | 2,607 |
| Assets per employee ($millions) | 2.5391% | 7,132 |
| Cash dividends to net income (ytd only)* | -26.9985% | 7,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,077 |
| Loan loss allowance to noncurrent loans | 156.0859% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 5,571 |
| Noncurrent loans to loans | 0.6394% | 5,449 |
| Net loans and leases to total assets | 69.0627% | 4,239 |
| Net loans and leases to deposits | 90.8418% | 3,311 |
| Net loans and leases to core deposits | 111.3416% | 3,632 |
| Total domestic deposits to total assets | 76.0253% | 6,234 |
| Equity capital to assets | 6.4900% | 7,943 |
| Core capital (leverage) ratio | 6.2476% | 8,006 |
| Tier 1 risk-based capital ratio | 9.2010% | 7,614 |
| Total risk-based capital ratio | 10.2153% | 7,812 |
| Memoranda: | ||
| Average total assets | $96,376,200 | 5,157 |
| Average earning assets | $87,597,600 | 5,165 |
| Average equity | $6,839,800 | 6,509 |
| Average total loans | $61,826,400 | 5,187 |