Home > Bank of Calhoun County > Performance and Condition Ratios
Bank of Calhoun County, 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 | 3.9249% | 4,061 |
| Cost of funding earning assets | 0.5312% | 4,169 |
| Net interest margin | 3.3937% | 2,415 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.0020% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0431% | 2,087 |
| Return on assets (ROA) | 1.0431% | 2,059 |
| Pretax return on assets | 1.4553% | 1,522 |
| Return on Equity (ROE) | 12.5900% | 1,823 |
| Retained earnings to average equity (ytd only) | 8.4088% | 1,420 |
| Net charge-offs to loans | -0.0252% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.9064% | 3,305 |
| Assets per employee ($millions) | 7.1497% | 1,973 |
| Cash dividends to net income (ytd only)* | 33.2285% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 4,198 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.5300% | 3,699 |
| Net loans and leases to deposits | 53.2031% | 3,828 |
| Net loans and leases to core deposits | 59.2149% | 3,791 |
| Total domestic deposits to total assets | 91.2100% | 448 |
| Equity capital to assets | 8.5372% | 3,023 |
| Core capital (leverage) ratio | 9.0814% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $91,457,400 | 3,905 |
| Average earning assets | $86,778,200 | 3,859 |
| Average equity | $7,575,400 | 3,983 |
| Average total loans | $43,641,600 | 3,941 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 4,062 |
| Cost of funding earning assets | 0.3986% | 4,260 |
| Net interest margin | 3.4517% | 2,333 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.9512% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1315% | 1,962 |
| Return on assets (ROA) | 1.1315% | 1,941 |
| Pretax return on assets | 1.5531% | 1,460 |
| Return on Equity (ROE) | 13.7700% | 1,713 |
| Retained earnings to average equity (ytd only) | 9.4402% | 1,564 |
| Net charge-offs to loans | -0.0278% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.6809% | 3,422 |
| Assets per employee ($millions) | 6.7608% | 2,132 |
| Cash dividends to net income (ytd only)* | 31.4360% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 4,191 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 49.3600% | 3,663 |
| Net loans and leases to deposits | 54.3734% | 3,776 |
| Net loans and leases to core deposits | 59.3943% | 3,724 |
| Total domestic deposits to total assets | 90.7800% | 724 |
| Equity capital to assets | 8.7689% | 2,554 |
| Core capital (leverage) ratio | 9.0019% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6943% | 735 |
| Memoranda: | ||
| Average total assets | $91,085,250 | 3,920 |
| Average earning assets | $86,293,500 | 3,879 |
| Average equity | $7,485,500 | 3,996 |
| Average total loans | $43,203,250 | 3,960 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,047 |
| Cost of funding earning assets | 0.3017% | 4,313 |
| Net interest margin | 3.4792% | 2,316 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.9273% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1677% | 1,915 |
| Return on assets (ROA) | 1.1677% | 1,911 |
| Pretax return on assets | 1.6213% | 1,369 |
| Return on Equity (ROE) | 14.5200% | 1,572 |
| Retained earnings to average equity (ytd only) | 9.8763% | 1,438 |
| Net charge-offs to loans | -0.0325% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.3119% | 3,584 |
| Assets per employee ($millions) | 6.9338% | 1,978 |
| Cash dividends to net income (ytd only)* | 31.9703% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 4,230 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 47.6400% | 3,707 |
| Net loans and leases to deposits | 52.4374% | 3,819 |
| Net loans and leases to core deposits | 56.8740% | 3,777 |
| Total domestic deposits to total assets | 90.8500% | 696 |
| Equity capital to assets | 8.3958% | 2,950 |
| Core capital (leverage) ratio | 8.5906% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0326% | 811 |
| Memoranda: | ||
| Average total assets | $92,150,333 | 3,920 |
| Average earning assets | $87,491,000 | 3,885 |
| Average equity | $7,411,667 | 4,026 |
| Average total loans | $43,046,667 | 3,976 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6778% | 4,062 |
| Cost of funding earning assets | 0.2485% | 4,296 |
| Net interest margin | 3.4293% | 2,558 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.8807% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1250% | 2,143 |
| Return on assets (ROA) | 1.1250% | 2,111 |
| Pretax return on assets | 1.6188% | 1,420 |
| Return on Equity (ROE) | 14.2900% | 1,715 |
| Retained earnings to average equity (ytd only) | 10.3634% | 1,612 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7423% | 3,629 |
| Assets per employee ($millions) | 7.1864% | 1,830 |
| Cash dividends to net income (ytd only)* | 27.4809% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 4,308 |
| Loan loss allowance to noncurrent loans | 14,050.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 3,901 |
| Noncurrent loans to loans | 0.0046% | 3,816 |
| Net loans and leases to total assets | 45.8800% | 3,778 |
| Net loans and leases to deposits | 50.2591% | 3,879 |
| Net loans and leases to core deposits | 54.3319% | 3,819 |
| Total domestic deposits to total assets | 91.2900% | 707 |
| Equity capital to assets | 8.0055% | 3,239 |
| Core capital (leverage) ratio | 8.1842% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5215% | 905 |
| Memoranda: | ||
| Average total assets | $93,155,500 | 3,966 |
| Average earning assets | $88,532,000 | 3,935 |
| Average equity | $7,333,500 | 4,083 |
| Average total loans | $42,955,500 | 4,019 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8120% | 4,311 |
| Cost of funding earning assets | 0.2029% | 3,734 |
| Net interest margin | 2.6091% | 4,159 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.9065% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6058% | 3,868 |
| Return on assets (ROA) | 0.6058% | 3,821 |
| Pretax return on assets | 0.8430% | 3,507 |
| Return on Equity (ROE) | 7.6500% | 3,472 |
| Retained earnings to average equity (ytd only) | 4.8391% | 3,121 |
| Net charge-offs to loans | -0.0024% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3398% | 1,780 |
| Assets per employee ($millions) | 7.1452% | 1,864 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 4,274 |
| Loan loss allowance to noncurrent loans | 2,810.0000% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,732 |
| Noncurrent loans to loans | 0.0234% | 3,629 |
| Net loans and leases to total assets | 45.7400% | 3,817 |
| Net loans and leases to deposits | 49.8258% | 3,904 |
| Net loans and leases to core deposits | 53.3643% | 3,844 |
| Total domestic deposits to total assets | 91.8000% | 687 |
| Equity capital to assets | 7.7384% | 3,222 |
| Core capital (leverage) ratio | 7.8222% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8071% | 1,012 |
| Memoranda: | ||
| Average total assets | $89,799,800 | 4,014 |
| Average earning assets | $85,278,000 | 3,979 |
| Average equity | $7,108,800 | 4,197 |
| Average total loans | $41,374,600 | 4,044 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5736% | 4,410 |
| Cost of funding earning assets | 0.1988% | 3,291 |
| Net interest margin | 2.3748% | 4,351 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.9349% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4044% | 4,238 |
| Return on assets (ROA) | 0.4044% | 4,180 |
| Pretax return on assets | 0.5616% | 4,051 |
| Return on Equity (ROE) | 5.0800% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.0782% | 3,072 |
| Net charge-offs to loans | -0.0162% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.5045% | 955 |
| Assets per employee ($millions) | 6.5015% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 4,249 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 2,262 |
| Noncurrent loans to loans | 0.0294% | 3,684 |
| Net loans and leases to total assets | 44.4700% | 3,851 |
| Net loans and leases to deposits | 48.4239% | 3,934 |
| Net loans and leases to core deposits | 51.5919% | 3,876 |
| Total domestic deposits to total assets | 91.8400% | 928 |
| Equity capital to assets | 7.8290% | 3,001 |
| Core capital (leverage) ratio | 7.9122% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3078% | 948 |
| Memoranda: | ||
| Average total assets | $89,027,750 | 4,056 |
| Average earning assets | $84,498,000 | 4,014 |
| Average equity | $7,089,000 | 4,243 |
| Average total loans | $41,026,500 | 4,067 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3709% | 4,475 |
| Cost of funding earning assets | 0.1950% | 2,980 |
| Net interest margin | 2.1759% | 4,469 |
| Noninterest income to average assets | 0.2377% | 3,750 |
| Noninterest expense to average assets | 1.9148% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2897% | 4,308 |
| Return on assets (ROA) | 0.2897% | 4,256 |
| Pretax return on assets | 0.3938% | 4,173 |
| Return on Equity (ROE) | 3.6175% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.6175% | 3,227 |
| Net charge-offs to loans | -0.0195% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9412% | 742 |
| Assets per employee ($millions) | 6.5376% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 4,329 |
| Loan loss allowance to noncurrent loans | 3,550.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 2,320 |
| Noncurrent loans to loans | 0.0198% | 3,818 |
| Net loans and leases to total assets | 43.8537% | 3,844 |
| Net loans and leases to deposits | 47.7668% | 3,927 |
| Net loans and leases to core deposits | 50.9159% | 3,882 |
| Total domestic deposits to total assets | 91.8079% | 924 |
| Equity capital to assets | 7.7496% | 3,305 |
| Core capital (leverage) ratio | 8.0056% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0889% | 980 |
| Memoranda: | ||
| Average total assets | $88,363,333 | 4,095 |
| Average earning assets | $84,104,667 | 4,073 |
| Average equity | $7,076,667 | 4,309 |
| Average total loans | $41,114,333 | 4,121 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3074% | 4,451 |
| Cost of funding earning assets | 0.1992% | 2,814 |
| Net interest margin | 2.1083% | 4,438 |
| Noninterest income to average assets | 0.2305% | 3,770 |
| Noninterest expense to average assets | 1.9958% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1752% | 4,364 |
| Return on assets (ROA) | 0.1752% | 4,333 |
| Pretax return on assets | 0.2351% | 4,287 |
| Return on Equity (ROE) | 2.1504% | 4,238 |
| Retained earnings to average equity (ytd only) | 2.1504% | 3,505 |
| Net charge-offs to loans | -0.0096% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4628% | 575 |
| Assets per employee ($millions) | 6.3255% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 4,410 |
| Loan loss allowance to noncurrent loans | 2,810.0000% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 2,360 |
| Noncurrent loans to loans | 0.0244% | 3,817 |
| Net loans and leases to total assets | 45.8846% | 3,590 |
| Net loans and leases to deposits | 50.0598% | 3,727 |
| Net loans and leases to core deposits | 52.7934% | 3,682 |
| Total domestic deposits to total assets | 91.6596% | 720 |
| Equity capital to assets | 7.9813% | 3,589 |
| Core capital (leverage) ratio | 8.1941% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8242% | 1,075 |
| Memoranda: | ||
| Average total assets | $86,781,500 | 4,135 |
| Average earning assets | $82,342,500 | 4,107 |
| Average equity | $7,068,500 | 4,355 |
| Average total loans | $41,460,500 | 4,135 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7171% | 4,298 |
| Cost of funding earning assets | 0.2633% | 2,770 |
| Net interest margin | 2.4538% | 4,250 |
| Noninterest income to average assets | 0.2745% | 3,754 |
| Noninterest expense to average assets | 2.0855% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3829% | 4,303 |
| Return on assets (ROA) | 0.3829% | 4,332 |
| Pretax return on assets | 0.5012% | 4,256 |
| Return on Equity (ROE) | 4.3238% | 4,148 |
| Retained earnings to average equity (ytd only) | 0.5689% | 4,357 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6232% | 771 |
| Assets per employee ($millions) | 5.6671% | 3,106 |
| Cash dividends to net income (ytd only)* | 86.8421% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6666% | 4,477 |
| Loan loss allowance to noncurrent loans | 345.6790% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 1,786 |
| Noncurrent loans to loans | 0.1928% | 2,984 |
| Net loans and leases to total assets | 49.0859% | 3,394 |
| Net loans and leases to deposits | 53.7616% | 3,618 |
| Net loans and leases to core deposits | 57.1182% | 3,542 |
| Total domestic deposits to total assets | 91.3030% | 388 |
| Equity capital to assets | 8.3159% | 4,170 |
| Core capital (leverage) ratio | 8.4217% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3629% | 1,183 |
| Memoranda: | ||
| Average total assets | $79,404,000 | 4,224 |
| Average earning assets | $74,822,400 | 4,199 |
| Average equity | $7,030,800 | 4,417 |
| Average total loans | $40,853,200 | 4,167 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7213% | 4,382 |
| Cost of funding earning assets | 0.2761% | 2,839 |
| Net interest margin | 2.4452% | 4,350 |
| Noninterest income to average assets | 0.3248% | 3,481 |
| Noninterest expense to average assets | 2.0990% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3863% | 4,389 |
| Return on assets (ROA) | 0.3863% | 4,424 |
| Pretax return on assets | 0.5265% | 4,336 |
| Return on Equity (ROE) | 4.2916% | 4,258 |
| Retained earnings to average equity (ytd only) | -0.7216% | 4,639 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9479% | 751 |
| Assets per employee ($millions) | 5.7185% | 2,971 |
| Cash dividends to net income (ytd only)* | 116.8142% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 4,542 |
| Loan loss allowance to noncurrent loans | 2,007.1429% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 2,255 |
| Noncurrent loans to loans | 0.0336% | 3,964 |
| Net loans and leases to total assets | 51.6631% | 3,227 |
| Net loans and leases to deposits | 56.9005% | 3,498 |
| Net loans and leases to core deposits | 60.2842% | 3,453 |
| Total domestic deposits to total assets | 90.7955% | 434 |
| Equity capital to assets | 8.7635% | 4,027 |
| Core capital (leverage) ratio | 8.4878% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4806% | 1,253 |
| Memoranda: | ||
| Average total assets | $78,003,500 | 4,298 |
| Average earning assets | $73,395,000 | 4,270 |
| Average equity | $7,021,250 | 4,481 |
| Average total loans | $40,565,000 | 4,234 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7859% | 4,362 |
| Cost of funding earning assets | 0.2811% | 2,962 |
| Net interest margin | 2.5048% | 4,293 |
| Noninterest income to average assets | 0.3026% | 3,622 |
| Noninterest expense to average assets | 2.1082% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4242% | 4,338 |
| Return on assets (ROA) | 0.4242% | 4,382 |
| Pretax return on assets | 0.5458% | 4,320 |
| Return on Equity (ROE) | 4.6704% | 4,196 |
| Retained earnings to average equity (ytd only) | -0.8543% | 4,593 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4347% | 820 |
| Assets per employee ($millions) | 5.6086% | 3,009 |
| Cash dividends to net income (ytd only)* | 118.2927% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6761% | 4,571 |
| Loan loss allowance to noncurrent loans | 1,756.2500% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 2,331 |
| Noncurrent loans to loans | 0.0385% | 4,006 |
| Net loans and leases to total assets | 52.5713% | 3,289 |
| Net loans and leases to deposits | 58.1681% | 3,530 |
| Net loans and leases to core deposits | 61.8996% | 3,467 |
| Total domestic deposits to total assets | 90.3782% | 610 |
| Equity capital to assets | 8.9353% | 3,851 |
| Core capital (leverage) ratio | 8.5902% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4167% | 1,244 |
| Memoranda: | ||
| Average total assets | $77,318,333 | 4,332 |
| Average earning assets | $72,579,333 | 4,309 |
| Average equity | $7,023,000 | 4,506 |
| Average total loans | $40,206,000 | 4,271 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7440% | 4,435 |
| Cost of funding earning assets | 0.2894% | 3,105 |
| Net interest margin | 2.4546% | 4,362 |
| Noninterest income to average assets | 0.2607% | 3,836 |
| Noninterest expense to average assets | 2.1742% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3024% | 4,516 |
| Return on assets (ROA) | 0.3024% | 4,551 |
| Pretax return on assets | 0.3858% | 4,503 |
| Return on Equity (ROE) | 3.3018% | 4,413 |
| Retained earnings to average equity (ytd only) | -3.7572% | 4,634 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9287% | 553 |
| Assets per employee ($millions) | 5.6149% | 3,006 |
| Cash dividends to net income (ytd only)* | 213.7931% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 4,566 |
| Loan loss allowance to noncurrent loans | 1,478.9474% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 2,544 |
| Noncurrent loans to loans | 0.0476% | 4,047 |
| Net loans and leases to total assets | 50.4669% | 3,586 |
| Net loans and leases to deposits | 56.5783% | 3,754 |
| Net loans and leases to core deposits | 60.1960% | 3,684 |
| Total domestic deposits to total assets | 89.1983% | 1,241 |
| Equity capital to assets | 8.8935% | 3,792 |
| Core capital (leverage) ratio | 8.8830% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7760% | 1,111 |
| Memoranda: | ||
| Average total assets | $76,717,500 | 4,354 |
| Average earning assets | $71,865,500 | 4,331 |
| Average equity | $7,026,500 | 4,520 |
| Average total loans | $39,529,000 | 4,317 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4041% | 4,189 |
| Cost of funding earning assets | 0.4113% | 3,512 |
| Net interest margin | 2.9928% | 3,905 |
| Noninterest income to average assets | 0.3375% | 3,442 |
| Noninterest expense to average assets | 2.3712% | 3,202 |
| Loan and lease loss provision to assets | 0.0100% | 4,233 |
| Net operating income to assets | 0.5398% | 3,935 |
| Return on assets (ROA) | 0.5398% | 4,031 |
| Pretax return on assets | 0.7334% | 3,806 |
| Return on Equity (ROE) | 5.4465% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.4059% | 3,120 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1317% | 1,211 |
| Assets per employee ($millions) | 5.3448% | 3,004 |
| Cash dividends to net income (ytd only)* | 37.4670% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 4,559 |
| Loan loss allowance to noncurrent loans | 1,405.0000% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 2,587 |
| Noncurrent loans to loans | 0.0511% | 4,090 |
| Net loans and leases to total assets | 51.8864% | 3,671 |
| Net loans and leases to deposits | 58.5331% | 3,858 |
| Net loans and leases to core deposits | 62.4176% | 3,806 |
| Total domestic deposits to total assets | 88.6445% | 1,146 |
| Equity capital to assets | 9.4378% | 3,671 |
| Core capital (leverage) ratio | 9.1536% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,216,600 | 4,383 |
| Average earning assets | $65,156,800 | 4,369 |
| Average equity | $6,958,600 | 4,532 |
| Average total loans | $37,621,400 | 4,363 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 4,209 |
| Cost of funding earning assets | 0.4370% | 3,600 |
| Net interest margin | 3.0652% | 3,825 |
| Noninterest income to average assets | 0.2722% | 3,838 |
| Noninterest expense to average assets | 2.3630% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5463% | 3,915 |
| Return on assets (ROA) | 0.5463% | 4,009 |
| Pretax return on assets | 0.7529% | 3,772 |
| Return on Equity (ROE) | 5.4426% | 3,737 |
| Retained earnings to average equity (ytd only) | 2.7117% | 3,646 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8364% | 1,219 |
| Assets per employee ($millions) | 5.1734% | 3,043 |
| Cash dividends to net income (ytd only)* | 50.1767% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7212% | 4,534 |
| Loan loss allowance to noncurrent loans | 170.6250% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 1,699 |
| Noncurrent loans to loans | 0.4227% | 2,790 |
| Net loans and leases to total assets | 51.8867% | 3,974 |
| Net loans and leases to deposits | 58.8484% | 4,125 |
| Net loans and leases to core deposits | 62.4626% | 4,081 |
| Total domestic deposits to total assets | 88.1702% | 1,135 |
| Equity capital to assets | 9.6387% | 3,564 |
| Core capital (leverage) ratio | 9.1273% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,064,000 | 4,408 |
| Average earning assets | $64,073,500 | 4,401 |
| Average equity | $6,932,750 | 4,554 |
| Average total loans | $37,250,250 | 4,393 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,261 |
| Cost of funding earning assets | 0.4544% | 3,773 |
| Net interest margin | 3.1462% | 3,794 |
| Noninterest income to average assets | 0.2767% | 3,815 |
| Noninterest expense to average assets | 2.3726% | 3,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6034% | 3,726 |
| Return on assets (ROA) | 0.6034% | 3,804 |
| Pretax return on assets | 0.8183% | 3,539 |
| Return on Equity (ROE) | 5.9277% | 3,537 |
| Retained earnings to average equity (ytd only) | 3.9904% | 2,916 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3542% | 1,430 |
| Assets per employee ($millions) | 5.0459% | 3,117 |
| Cash dividends to net income (ytd only)* | 32.6829% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 4,525 |
| Loan loss allowance to noncurrent loans | 1,186.9565% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 2,273 |
| Noncurrent loans to loans | 0.0605% | 4,235 |
| Net loans and leases to total assets | 53.4144% | 3,925 |
| Net loans and leases to deposits | 60.7989% | 4,076 |
| Net loans and leases to core deposits | 64.6489% | 4,041 |
| Total domestic deposits to total assets | 87.8543% | 1,256 |
| Equity capital to assets | 9.9006% | 3,285 |
| Core capital (leverage) ratio | 9.4798% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6738% | 954 |
| Memoranda: | ||
| Average total assets | $67,943,000 | 4,434 |
| Average earning assets | $62,934,000 | 4,424 |
| Average equity | $6,916,667 | 4,578 |
| Average total loans | $37,049,333 | 4,406 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 4,548 |
| Cost of funding earning assets | 0.4687% | 4,076 |
| Net interest margin | 3.1113% | 4,069 |
| Noninterest income to average assets | 0.2883% | 3,796 |
| Noninterest expense to average assets | 2.3546% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6007% | 3,590 |
| Return on assets (ROA) | 0.6007% | 3,650 |
| Pretax return on assets | 0.8049% | 3,400 |
| Return on Equity (ROE) | 5.8156% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.8156% | 1,949 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5247% | 1,747 |
| Assets per employee ($millions) | 4.7759% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 4,531 |
| Loan loss allowance to noncurrent loans | 1,092.0000% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 1,464 |
| Noncurrent loans to loans | 0.0683% | 4,262 |
| Net loans and leases to total assets | 54.3208% | 3,961 |
| Net loans and leases to deposits | 61.1335% | 4,155 |
| Net loans and leases to core deposits | 65.2615% | 4,113 |
| Total domestic deposits to total assets | 88.8562% | 728 |
| Equity capital to assets | 10.4020% | 3,415 |
| Core capital (leverage) ratio | 9.4572% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6301% | 1,048 |
| Memoranda: | ||
| Average total assets | $66,593,500 | 4,459 |
| Average earning assets | $61,452,500 | 4,461 |
| Average equity | $6,878,000 | 4,615 |
| Average total loans | $36,571,000 | 4,439 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 4,671 |
| Cost of funding earning assets | 0.4751% | 4,188 |
| Net interest margin | 3.2306% | 4,125 |
| Noninterest income to average assets | 0.3504% | 3,606 |
| Noninterest expense to average assets | 2.4934% | 3,470 |
| Loan and lease loss provision to assets | 0.0602% | 2,837 |
| Net operating income to assets | 0.5474% | 4,295 |
| Return on assets (ROA) | 0.5474% | 4,355 |
| Pretax return on assets | 0.7625% | 4,054 |
| Return on Equity (ROE) | 5.4619% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,206 |
| Net charge-offs to loans | 0.0919% | 1,810 |
| Credit loss provision to net charge-offs | 121.2121% | 2,095 |
| Earnings coverage of net charge-offs (x) | 16.5758% | 2,157 |
| Efficiency ratio | 75.1927% | 1,461 |
| Assets per employee ($millions) | 4.7375% | 2,915 |
| Cash dividends to net income (ytd only)* | 34.3407% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 4,464 |
| Loan loss allowance to noncurrent loans | 1,092.0000% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 1,358 |
| Noncurrent loans to loans | 0.0684% | 4,265 |
| Net loans and leases to total assets | 54.6943% | 4,031 |
| Net loans and leases to deposits | 61.3683% | 4,222 |
| Net loans and leases to core deposits | 65.6805% | 4,201 |
| Total domestic deposits to total assets | 89.1248% | 621 |
| Equity capital to assets | 10.2541% | 3,671 |
| Core capital (leverage) ratio | 9.4242% | 4,141 |
| Tier 1 risk-based capital ratio | 18.4726% | 1,639 |
| Total risk-based capital ratio | 19.2760% | 1,707 |
| Memoranda: | ||
| Average total assets | $66,496,000 | 4,489 |
| Average earning assets | $61,041,800 | 4,492 |
| Average equity | $6,664,400 | 4,675 |
| Average total loans | $35,897,400 | 4,504 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 4,789 |
| Cost of funding earning assets | 0.4761% | 4,237 |
| Net interest margin | 3.2189% | 4,254 |
| Noninterest income to average assets | 0.3467% | 3,649 |
| Noninterest expense to average assets | 2.5067% | 3,417 |
| Loan and lease loss provision to assets | 0.0140% | 3,624 |
| Net operating income to assets | 0.5671% | 4,375 |
| Return on assets (ROA) | 0.5671% | 4,420 |
| Pretax return on assets | 0.7795% | 4,176 |
| Return on Equity (ROE) | 5.6909% | 4,130 |
| Retained earnings to average equity (ytd only) | 3.1773% | 3,818 |
| Net charge-offs to loans | 0.0634% | 1,916 |
| Credit loss provision to net charge-offs | 41.1765% | 2,850 |
| Earnings coverage of net charge-offs (x) | 23.2903% | 1,835 |
| Efficiency ratio | 75.9563% | 1,338 |
| Assets per employee ($millions) | 4.7718% | 2,827 |
| Cash dividends to net income (ytd only)* | 44.1694% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7071% | 4,635 |
| Loan loss allowance to noncurrent loans | 70.8333% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 1,294 |
| Noncurrent loans to loans | 0.9982% | 1,599 |
| Net loans and leases to total assets | 53.6023% | 4,212 |
| Net loans and leases to deposits | 59.9555% | 4,386 |
| Net loans and leases to core deposits | 64.2614% | 4,354 |
| Total domestic deposits to total assets | 89.4035% | 477 |
| Equity capital to assets | 10.0561% | 3,962 |
| Core capital (leverage) ratio | 9.5421% | 4,124 |
| Tier 1 risk-based capital ratio | 18.0381% | 1,802 |
| Total risk-based capital ratio | 18.7804% | 1,906 |
| Memoranda: | ||
| Average total assets | $66,538,750 | 4,543 |
| Average earning assets | $61,054,000 | 4,551 |
| Average equity | $6,630,250 | 4,736 |
| Average total loans | $35,734,500 | 4,570 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 4,824 |
| Cost of funding earning assets | 0.4806% | 4,204 |
| Net interest margin | 3.2256% | 4,300 |
| Noninterest income to average assets | 0.3401% | 3,656 |
| Noninterest expense to average assets | 2.4229% | 3,677 |
| Loan and lease loss provision to assets | 0.0211% | 3,380 |
| Net operating income to assets | 0.6290% | 4,222 |
| Return on assets (ROA) | 0.6290% | 4,267 |
| Pretax return on assets | 0.8457% | 3,986 |
| Return on Equity (ROE) | 6.3324% | 3,931 |
| Retained earnings to average equity (ytd only) | 3.7570% | 3,377 |
| Net charge-offs to loans | 0.0954% | 1,408 |
| Credit loss provision to net charge-offs | 41.1765% | 2,526 |
| Earnings coverage of net charge-offs (x) | 16.9412% | 1,910 |
| Efficiency ratio | 73.6505% | 1,681 |
| Assets per employee ($millions) | 4.7059% | 2,870 |
| Cash dividends to net income (ytd only)* | 40.6699% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 4,679 |
| Loan loss allowance to noncurrent loans | 61.0048% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 1,060 |
| Noncurrent loans to loans | 1.1721% | 1,372 |
| Net loans and leases to total assets | 53.7431% | 4,230 |
| Net loans and leases to deposits | 60.7449% | 4,395 |
| Net loans and leases to core deposits | 65.1067% | 4,358 |
| Total domestic deposits to total assets | 88.4733% | 883 |
| Equity capital to assets | 10.1469% | 3,838 |
| Core capital (leverage) ratio | 9.3017% | 4,357 |
| Tier 1 risk-based capital ratio | 17.6491% | 1,894 |
| Total risk-based capital ratio | 18.3794% | 1,998 |
| Memoranda: | ||
| Average total assets | $66,450,000 | 4,577 |
| Average earning assets | $60,763,330 | 4,588 |
| Average equity | $6,601,000 | 4,770 |
| Average total loans | $35,624,670 | 4,602 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 4,957 |
| Cost of funding earning assets | 0.4963% | 4,076 |
| Net interest margin | 3.1147% | 4,565 |
| Noninterest income to average assets | 0.3237% | 3,697 |
| Noninterest expense to average assets | 2.3676% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6234% | 4,170 |
| Return on assets (ROA) | 0.6234% | 4,214 |
| Pretax return on assets | 0.8152% | 4,006 |
| Return on Equity (ROE) | 6.3424% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.9030% | 3,349 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3879% | 1,699 |
| Assets per employee ($millions) | 4.7323% | 2,874 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 4,655 |
| Loan loss allowance to noncurrent loans | 168.3544% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8362% | 1,698 |
| Noncurrent loans to loans | 0.4472% | 2,982 |
| Net loans and leases to total assets | 52.9222% | 4,279 |
| Net loans and leases to deposits | 59.5867% | 4,434 |
| Net loans and leases to core deposits | 63.9596% | 4,381 |
| Total domestic deposits to total assets | 88.8154% | 952 |
| Equity capital to assets | 9.9559% | 3,869 |
| Core capital (leverage) ratio | 9.1978% | 4,477 |
| Tier 1 risk-based capital ratio | 17.6765% | 1,886 |
| Total risk-based capital ratio | 18.4510% | 1,989 |
| Memoranda: | ||
| Average total assets | $66,734,000 | 4,626 |
| Average earning assets | $61,257,500 | 4,630 |
| Average equity | $6,559,000 | 4,807 |
| Average total loans | $35,606,000 | 4,648 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 4,925 |
| Cost of funding earning assets | 0.4255% | 3,825 |
| Net interest margin | 3.0679% | 4,699 |
| Noninterest income to average assets | 0.3747% | 3,584 |
| Noninterest expense to average assets | 2.4681% | 3,704 |
| Loan and lease loss provision to assets | 0.0228% | 3,717 |
| Net operating income to assets | 0.5112% | 4,637 |
| Return on assets (ROA) | 0.5112% | 4,636 |
| Pretax return on assets | 0.6841% | 4,447 |
| Return on Equity (ROE) | 5.1972% | 4,412 |
| Retained earnings to average equity (ytd only) | 1.1875% | 4,653 |
| Net charge-offs to loans | 0.0142% | 3,204 |
| Credit loss provision to net charge-offs | 300.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 93.2000% | 776 |
| Efficiency ratio | 77.7353% | 1,154 |
| Assets per employee ($millions) | 4.8011% | 2,742 |
| Cash dividends to net income (ytd only)* | 77.1513% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 4,694 |
| Loan loss allowance to noncurrent loans | 104.7059% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9730% | 1,407 |
| Noncurrent loans to loans | 0.7106% | 2,213 |
| Net loans and leases to total assets | 52.9889% | 4,349 |
| Net loans and leases to deposits | 59.4528% | 4,507 |
| Net loans and leases to core deposits | 65.6450% | 4,378 |
| Total domestic deposits to total assets | 89.1276% | 807 |
| Equity capital to assets | 9.7030% | 3,949 |
| Core capital (leverage) ratio | 8.5866% | 4,961 |
| Tier 1 risk-based capital ratio | 16.8317% | 2,124 |
| Total risk-based capital ratio | 17.5957% | 2,231 |
| Memoranda: | ||
| Average total assets | $65,921,400 | 4,657 |
| Average earning assets | $60,170,800 | 4,665 |
| Average equity | $6,484,200 | 4,829 |
| Average total loans | $35,300,200 | 4,677 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4296% | 5,003 |
| Cost of funding earning assets | 0.4178% | 3,738 |
| Net interest margin | 3.0118% | 4,833 |
| Noninterest income to average assets | 0.3862% | 3,557 |
| Noninterest expense to average assets | 2.4797% | 3,652 |
| Loan and lease loss provision to assets | 0.0163% | 3,688 |
| Net operating income to assets | 0.4492% | 4,854 |
| Return on assets (ROA) | 0.4492% | 4,860 |
| Pretax return on assets | 0.6301% | 4,680 |
| Return on Equity (ROE) | 4.5509% | 4,684 |
| Retained earnings to average equity (ytd only) | 1.2561% | 4,789 |
| Net charge-offs to loans | 0.0265% | 2,582 |
| Credit loss provision to net charge-offs | 114.2857% | 2,057 |
| Earnings coverage of net charge-offs (x) | 45.4437% | 1,243 |
| Efficiency ratio | 79.3238% | 1,010 |
| Assets per employee ($millions) | 4.7411% | 2,793 |
| Cash dividends to net income (ytd only)* | 72.3987% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 4,814 |
| Loan loss allowance to noncurrent loans | 148.5549% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 1,711 |
| Noncurrent loans to loans | 0.4902% | 2,918 |
| Net loans and leases to total assets | 52.7781% | 4,440 |
| Net loans and leases to deposits | 59.2137% | 4,587 |
| Net loans and leases to core deposits | 65.2037% | 4,446 |
| Total domestic deposits to total assets | 89.1316% | 799 |
| Equity capital to assets | 9.7520% | 3,868 |
| Core capital (leverage) ratio | 8.7161% | 4,946 |
| Tier 1 risk-based capital ratio | 17.0351% | 2,097 |
| Total risk-based capital ratio | 17.7925% | 2,201 |
| Memoranda: | ||
| Average total assets | $65,597,750 | 4,710 |
| Average earning assets | $59,675,250 | 4,719 |
| Average equity | $6,474,750 | 4,883 |
| Average total loans | $35,154,250 | 4,733 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 5,062 |
| Cost of funding earning assets | 0.4046% | 3,690 |
| Net interest margin | 2.9735% | 4,912 |
| Noninterest income to average assets | 0.3949% | 3,522 |
| Noninterest expense to average assets | 2.4212% | 3,845 |
| Loan and lease loss provision to assets | 0.0245% | 3,428 |
| Net operating income to assets | 0.4745% | 4,812 |
| Return on assets (ROA) | 0.4745% | 4,817 |
| Pretax return on assets | 0.6489% | 4,642 |
| Return on Equity (ROE) | 4.7874% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.6988% | 4,567 |
| Net charge-offs to loans | 0.0171% | 2,575 |
| Credit loss provision to net charge-offs | 266.6667% | 1,095 |
| Earnings coverage of net charge-offs (x) | 73.3333% | 877 |
| Efficiency ratio | 78.2394% | 1,181 |
| Assets per employee ($millions) | 4.5934% | 2,980 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,817 |
| Loan loss allowance to noncurrent loans | 131.8182% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 1,591 |
| Noncurrent loans to loans | 0.5727% | 2,703 |
| Net loans and leases to total assets | 53.3526% | 4,389 |
| Net loans and leases to deposits | 60.1328% | 4,523 |
| Net loans and leases to core deposits | 64.3836% | 4,469 |
| Total domestic deposits to total assets | 88.7246% | 1,045 |
| Equity capital to assets | 10.0718% | 3,557 |
| Core capital (leverage) ratio | 8.6970% | 4,961 |
| Tier 1 risk-based capital ratio | 16.9895% | 2,103 |
| Total risk-based capital ratio | 17.7671% | 2,197 |
| Memoranda: | ||
| Average total assets | $65,338,330 | 4,766 |
| Average earning assets | $59,324,670 | 4,782 |
| Average equity | $6,475,330 | 4,933 |
| Average total loans | $35,109,330 | 4,778 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 5,079 |
| Cost of funding earning assets | 0.3943% | 3,630 |
| Net interest margin | 2.9472% | 4,963 |
| Noninterest income to average assets | 0.3766% | 3,616 |
| Noninterest expense to average assets | 2.3264% | 4,127 |
| Loan and lease loss provision to assets | 0.0425% | 2,909 |
| Net operating income to assets | 0.5102% | 4,665 |
| Return on assets (ROA) | 0.5102% | 4,671 |
| Pretax return on assets | 0.6864% | 4,481 |
| Return on Equity (ROE) | 5.1896% | 4,424 |
| Retained earnings to average equity (ytd only) | 1.7916% | 4,417 |
| Net charge-offs to loans | 0.0339% | 1,833 |
| Credit loss provision to net charge-offs | 233.3333% | 950 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,066 |
| Efficiency ratio | 76.1431% | 1,575 |
| Assets per employee ($millions) | 4.7067% | 2,847 |
| Cash dividends to net income (ytd only)* | 65.4762% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7365% | 4,951 |
| Loan loss allowance to noncurrent loans | 103.5857% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 1,799 |
| Noncurrent loans to loans | 0.7110% | 2,433 |
| Net loans and leases to total assets | 53.1763% | 4,354 |
| Net loans and leases to deposits | 59.6578% | 4,501 |
| Net loans and leases to core deposits | 63.9264% | 4,426 |
| Total domestic deposits to total assets | 89.1356% | 1,034 |
| Equity capital to assets | 9.8021% | 3,792 |
| Core capital (leverage) ratio | 8.8261% | 4,870 |
| Tier 1 risk-based capital ratio | 16.7979% | 2,179 |
| Total risk-based capital ratio | 17.5645% | 2,298 |
| Memoranda: | ||
| Average total assets | $65,853,500 | 4,819 |
| Average earning assets | $59,854,000 | 4,830 |
| Average equity | $6,474,500 | 4,987 |
| Average total loans | $35,378,500 | 4,820 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3351% | 5,038 |
| Cost of funding earning assets | 0.4123% | 3,135 |
| Net interest margin | 2.9228% | 5,012 |
| Noninterest income to average assets | 0.3737% | 3,794 |
| Noninterest expense to average assets | 2.5494% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1210% | 5,232 |
| Return on assets (ROA) | 0.1210% | 5,237 |
| Pretax return on assets | 0.4630% | 4,989 |
| Return on Equity (ROE) | 1.2158% | 5,203 |
| Retained earnings to average equity (ytd only) | -0.5927% | 5,130 |
| Net charge-offs to loans | -0.0115% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6308% | 722 |
| Assets per employee ($millions) | 4.7009% | 2,865 |
| Cash dividends to net income (ytd only)* | 148.7500% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 5,026 |
| Loan loss allowance to noncurrent loans | 97.3384% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 1,720 |
| Noncurrent loans to loans | 0.7417% | 2,354 |
| Net loans and leases to total assets | 53.4864% | 4,402 |
| Net loans and leases to deposits | 60.0382% | 4,564 |
| Net loans and leases to core deposits | 64.3764% | 4,514 |
| Total domestic deposits to total assets | 89.0873% | 970 |
| Equity capital to assets | 9.8613% | 3,859 |
| Core capital (leverage) ratio | 8.4515% | 5,179 |
| Tier 1 risk-based capital ratio | 16.3230% | 2,322 |
| Total risk-based capital ratio | 17.0760% | 2,449 |
| Memoranda: | ||
| Average total assets | $66,093,800 | 4,845 |
| Average earning assets | $59,667,800 | 4,865 |
| Average equity | $6,579,800 | 5,008 |
| Average total loans | $34,764,600 | 4,877 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 5,083 |
| Cost of funding earning assets | 0.4156% | 3,036 |
| Net interest margin | 2.9048% | 5,080 |
| Noninterest income to average assets | 0.3768% | 3,836 |
| Noninterest expense to average assets | 2.5310% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3123% | 5,198 |
| Return on assets (ROA) | 0.3123% | 5,218 |
| Pretax return on assets | 0.4655% | 5,091 |
| Return on Equity (ROE) | 3.1301% | 5,078 |
| Retained earnings to average equity (ytd only) | 1.5348% | 4,808 |
| Net charge-offs to loans | -0.0038% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4654% | 722 |
| Assets per employee ($millions) | 4.7861% | 2,718 |
| Cash dividends to net income (ytd only)* | 50.9678% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7212% | 5,092 |
| Loan loss allowance to noncurrent loans | 34.9931% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.6223% | 913 |
| Noncurrent loans to loans | 2.0610% | 819 |
| Net loans and leases to total assets | 51.9767% | 4,566 |
| Net loans and leases to deposits | 58.3699% | 4,735 |
| Net loans and leases to core deposits | 62.6486% | 4,671 |
| Total domestic deposits to total assets | 89.0471% | 858 |
| Equity capital to assets | 9.8993% | 4,033 |
| Core capital (leverage) ratio | 8.7515% | 5,012 |
| Tier 1 risk-based capital ratio | 16.2742% | 2,387 |
| Total risk-based capital ratio | 17.0070% | 2,543 |
| Memoranda: | ||
| Average total assets | $66,164,000 | 4,895 |
| Average earning assets | $59,669,750 | 4,922 |
| Average equity | $6,602,250 | 5,061 |
| Average total loans | $34,591,500 | 4,930 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 5,089 |
| Cost of funding earning assets | 0.4202% | 2,892 |
| Net interest margin | 2.8908% | 5,113 |
| Noninterest income to average assets | 0.3461% | 4,075 |
| Noninterest expense to average assets | 2.5317% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3005% | 5,221 |
| Return on assets (ROA) | 0.3005% | 5,240 |
| Pretax return on assets | 0.4250% | 5,131 |
| Return on Equity (ROE) | 3.0036% | 5,120 |
| Retained earnings to average equity (ytd only) | 1.8507% | 4,506 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6263% | 721 |
| Assets per employee ($millions) | 4.5917% | 2,961 |
| Cash dividends to net income (ytd only)* | 38.3838% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 5,135 |
| Loan loss allowance to noncurrent loans | 181.2950% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 1,601 |
| Noncurrent loans to loans | 0.4030% | 3,587 |
| Net loans and leases to total assets | 53.2621% | 4,462 |
| Net loans and leases to deposits | 60.1032% | 4,616 |
| Net loans and leases to core deposits | 64.8650% | 4,546 |
| Total domestic deposits to total assets | 88.6177% | 1,149 |
| Equity capital to assets | 10.2887% | 3,580 |
| Core capital (leverage) ratio | 8.6705% | 5,068 |
| Tier 1 risk-based capital ratio | 16.7876% | 2,204 |
| Total risk-based capital ratio | 17.5430% | 2,338 |
| Memoranda: | ||
| Average total assets | $65,883,670 | 4,934 |
| Average earning assets | $59,498,670 | 4,963 |
| Average equity | $6,592,000 | 5,092 |
| Average total loans | $34,428,670 | 4,972 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2534% | 5,171 |
| Cost of funding earning assets | 0.4249% | 2,769 |
| Net interest margin | 2.8285% | 5,203 |
| Noninterest income to average assets | 0.3179% | 4,280 |
| Noninterest expense to average assets | 2.4834% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2579% | 5,291 |
| Return on assets (ROA) | 0.2579% | 5,310 |
| Pretax return on assets | 0.3899% | 5,175 |
| Return on Equity (ROE) | 2.6136% | 5,202 |
| Retained earnings to average equity (ytd only) | 2.6136% | 4,092 |
| Net charge-offs to loans | -0.0116% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4301% | 770 |
| Assets per employee ($millions) | 4.7297% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7353% | 5,237 |
| Loan loss allowance to noncurrent loans | 91.3669% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2036% | 1,463 |
| Noncurrent loans to loans | 0.8048% | 2,437 |
| Net loans and leases to total assets | 51.7851% | 4,535 |
| Net loans and leases to deposits | 58.1315% | 4,685 |
| Net loans and leases to core deposits | 62.3421% | 4,629 |
| Total domestic deposits to total assets | 89.0827% | 1,107 |
| Equity capital to assets | 9.9674% | 3,794 |
| Core capital (leverage) ratio | 8.4908% | 5,234 |
| Tier 1 risk-based capital ratio | 16.4793% | 2,366 |
| Total risk-based capital ratio | 17.2287% | 2,511 |
| Memoranda: | ||
| Average total assets | $66,683,500 | 4,973 |
| Average earning assets | $60,244,000 | 4,998 |
| Average equity | $6,581,000 | 5,143 |
| Average total loans | $34,397,500 | 5,018 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2486% | 5,239 |
| Cost of funding earning assets | 0.4501% | 2,534 |
| Net interest margin | 2.7985% | 5,289 |
| Noninterest income to average assets | 0.7363% | 2,011 |
| Noninterest expense to average assets | 2.5006% | 4,010 |
| Loan and lease loss provision to assets | 0.1134% | 2,173 |
| Net operating income to assets | 0.5434% | 4,458 |
| Return on assets (ROA) | 0.5434% | 4,558 |
| Pretax return on assets | 0.6494% | 4,659 |
| Return on Equity (ROE) | 5.6427% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.4713% | 3,455 |
| Net charge-offs to loans | 0.2014% | 1,380 |
| Credit loss provision to net charge-offs | 110.0000% | 2,379 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 3,026 |
| Efficiency ratio | 76.6245% | 1,900 |
| Assets per employee ($millions) | 4.4767% | 3,150 |
| Cash dividends to net income (ytd only)* | 38.4824% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 5,275 |
| Loan loss allowance to noncurrent loans | 186.0294% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 1,941 |
| Noncurrent loans to loans | 0.3971% | 3,724 |
| Net loans and leases to total assets | 50.6292% | 4,715 |
| Net loans and leases to deposits | 56.7286% | 4,870 |
| Net loans and leases to core deposits | 61.1585% | 4,796 |
| Total domestic deposits to total assets | 89.2481% | 984 |
| Equity capital to assets | 9.7720% | 3,979 |
| Core capital (leverage) ratio | 8.2198% | 5,498 |
| Tier 1 risk-based capital ratio | 16.2229% | 2,466 |
| Total risk-based capital ratio | 16.9697% | 2,588 |
| Memoranda: | ||
| Average total assets | $67,905,000 | 4,974 |
| Average earning assets | $61,319,000 | 4,990 |
| Average equity | $6,539,400 | 5,179 |
| Average total loans | $34,758,200 | 5,047 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2252% | 5,326 |
| Cost of funding earning assets | 0.4546% | 2,515 |
| Net interest margin | 2.7706% | 5,406 |
| Noninterest income to average assets | 0.8655% | 1,531 |
| Noninterest expense to average assets | 2.4417% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7969% | 3,378 |
| Return on assets (ROA) | 0.7969% | 3,519 |
| Pretax return on assets | 0.9301% | 3,876 |
| Return on Equity (ROE) | 8.3053% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.1628% | 2,083 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4158% | 2,511 |
| Assets per employee ($millions) | 4.4743% | 3,123 |
| Cash dividends to net income (ytd only)* | 25.7993% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6892% | 5,445 |
| Loan loss allowance to noncurrent loans | 35.7039% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 1,509 |
| Noncurrent loans to loans | 1.9304% | 1,031 |
| Net loans and leases to total assets | 52.8153% | 4,586 |
| Net loans and leases to deposits | 59.4110% | 4,797 |
| Net loans and leases to core deposits | 63.8777% | 4,732 |
| Total domestic deposits to total assets | 88.8982% | 962 |
| Equity capital to assets | 9.9680% | 4,158 |
| Core capital (leverage) ratio | 8.7451% | 5,106 |
| Tier 1 risk-based capital ratio | 16.2898% | 2,507 |
| Total risk-based capital ratio | 16.9912% | 2,662 |
| Memoranda: | ||
| Average total assets | $68,093,500 | 5,019 |
| Average earning assets | $61,596,500 | 5,028 |
| Average equity | $6,533,750 | 5,230 |
| Average total loans | $34,885,000 | 5,095 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1966% | 5,434 |
| Cost of funding earning assets | 0.4525% | 2,544 |
| Net interest margin | 2.7441% | 5,515 |
| Noninterest income to average assets | 1.1020% | 922 |
| Noninterest expense to average assets | 2.4174% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0173% | 2,312 |
| Return on assets (ROA) | 1.0173% | 2,446 |
| Pretax return on assets | 1.1663% | 2,920 |
| Return on Equity (ROE) | 10.7380% | 1,746 |
| Retained earnings to average equity (ytd only) | 8.5780% | 983 |
| Net charge-offs to loans | -0.0058% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4551% | 3,461 |
| Assets per employee ($millions) | 4.4295% | 3,162 |
| Cash dividends to net income (ytd only)* | 20.1149% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 5,526 |
| Loan loss allowance to noncurrent loans | 49.8990% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0009% | 2,140 |
| Noncurrent loans to loans | 1.3983% | 1,599 |
| Net loans and leases to total assets | 52.9078% | 4,600 |
| Net loans and leases to deposits | 59.6036% | 4,820 |
| Net loans and leases to core deposits | 63.4290% | 4,786 |
| Total domestic deposits to total assets | 88.7661% | 1,032 |
| Equity capital to assets | 10.0584% | 4,153 |
| Core capital (leverage) ratio | 8.5823% | 5,282 |
| Tier 1 risk-based capital ratio | 16.5930% | 2,395 |
| Total risk-based capital ratio | 17.3113% | 2,555 |
| Memoranda: | ||
| Average total assets | $68,419,670 | 5,059 |
| Average earning assets | $61,879,000 | 5,073 |
| Average equity | $6,481,670 | 5,284 |
| Average total loans | $34,615,670 | 5,151 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1555% | 5,539 |
| Cost of funding earning assets | 0.4590% | 2,476 |
| Net interest margin | 2.6965% | 5,625 |
| Noninterest income to average assets | 0.3861% | 3,940 |
| Noninterest expense to average assets | 2.3628% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2997% | 5,308 |
| Return on assets (ROA) | 0.2997% | 5,386 |
| Pretax return on assets | 0.4610% | 5,182 |
| Return on Equity (ROE) | 3.2597% | 5,135 |
| Retained earnings to average equity (ytd only) | 1.0657% | 4,811 |
| Net charge-offs to loans | -0.0117% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6735% | 1,188 |
| Assets per employee ($millions) | 4.5815% | 2,929 |
| Cash dividends to net income (ytd only)* | 67.3077% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 5,565 |
| Loan loss allowance to noncurrent loans | 50.6148% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 2,260 |
| Noncurrent loans to loans | 1.4163% | 1,684 |
| Net loans and leases to total assets | 49.7766% | 4,826 |
| Net loans and leases to deposits | 55.5352% | 5,012 |
| Net loans and leases to core deposits | 61.5983% | 4,833 |
| Total domestic deposits to total assets | 89.6308% | 764 |
| Equity capital to assets | 9.3186% | 4,870 |
| Core capital (leverage) ratio | 7.9514% | 5,793 |
| Tier 1 risk-based capital ratio | 15.7762% | 2,791 |
| Total risk-based capital ratio | 16.4942% | 2,981 |
| Memoranda: | ||
| Average total assets | $69,408,500 | 5,085 |
| Average earning assets | $62,747,500 | 5,101 |
| Average equity | $6,381,000 | 5,340 |
| Average total loans | $34,223,500 | 5,206 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1501% | 5,579 |
| Cost of funding earning assets | 0.4932% | 2,222 |
| Net interest margin | 2.6569% | 5,694 |
| Noninterest income to average assets | 0.6488% | 2,464 |
| Noninterest expense to average assets | 2.4941% | 4,243 |
| Loan and lease loss provision to assets | 0.1084% | 2,184 |
| Net operating income to assets | 0.3829% | 5,099 |
| Return on assets (ROA) | 0.3829% | 5,188 |
| Pretax return on assets | 0.4364% | 5,253 |
| Return on Equity (ROE) | 4.1769% | 4,861 |
| Retained earnings to average equity (ytd only) | 1.9387% | 4,625 |
| Net charge-offs to loans | 0.3048% | 987 |
| Credit loss provision to net charge-offs | 75.0000% | 3,036 |
| Earnings coverage of net charge-offs (x) | 3.7700% | 3,664 |
| Efficiency ratio | 82.0732% | 1,403 |
| Assets per employee ($millions) | 4.3809% | 3,251 |
| Cash dividends to net income (ytd only)* | 53.5849% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 5,582 |
| Loan loss allowance to noncurrent loans | 103.3333% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 3,256 |
| Noncurrent loans to loans | 0.7060% | 3,075 |
| Net loans and leases to total assets | 48.1411% | 5,003 |
| Net loans and leases to deposits | 53.5254% | 5,187 |
| Net loans and leases to core deposits | 59.3990% | 5,021 |
| Total domestic deposits to total assets | 89.9407% | 654 |
| Equity capital to assets | 9.0707% | 5,051 |
| Core capital (leverage) ratio | 7.7216% | 5,933 |
| Tier 1 risk-based capital ratio | 15.5948% | 2,885 |
| Total risk-based capital ratio | 16.3136% | 3,078 |
| Memoranda: | ||
| Average total assets | $69,203,000 | 5,107 |
| Average earning assets | $62,252,200 | 5,122 |
| Average equity | $6,344,400 | 5,366 |
| Average total loans | $32,810,600 | 5,264 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1430% | 5,654 |
| Cost of funding earning assets | 0.5006% | 2,202 |
| Net interest margin | 2.6425% | 5,793 |
| Noninterest income to average assets | 0.3093% | 4,724 |
| Noninterest expense to average assets | 2.3001% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3170% | 5,409 |
| Return on assets (ROA) | 0.3170% | 5,490 |
| Pretax return on assets | 0.3866% | 5,488 |
| Return on Equity (ROE) | 3.4484% | 5,234 |
| Retained earnings to average equity (ytd only) | 1.2405% | 5,226 |
| Net charge-offs to loans | 0.0656% | 2,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.5016% | 2,403 |
| Efficiency ratio | 85.6115% | 1,033 |
| Assets per employee ($millions) | 4.3350% | 3,266 |
| Cash dividends to net income (ytd only)* | 64.0263% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 5,610 |
| Loan loss allowance to noncurrent loans | 95.1673% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 3,743 |
| Noncurrent loans to loans | 0.7986% | 2,966 |
| Net loans and leases to total assets | 48.1964% | 5,064 |
| Net loans and leases to deposits | 53.6211% | 5,273 |
| Net loans and leases to core deposits | 57.9942% | 5,192 |
| Total domestic deposits to total assets | 89.8832% | 625 |
| Equity capital to assets | 9.1811% | 5,136 |
| Core capital (leverage) ratio | 7.8493% | 5,967 |
| Tier 1 risk-based capital ratio | 15.4805% | 3,060 |
| Total risk-based capital ratio | 16.2260% | 3,248 |
| Memoranda: | ||
| Average total assets | $68,980,250 | 5,177 |
| Average earning assets | $62,061,750 | 5,192 |
| Average equity | $6,341,000 | 5,431 |
| Average total loans | $32,515,250 | 5,342 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1068% | 5,736 |
| Cost of funding earning assets | 0.5065% | 2,194 |
| Net interest margin | 2.6003% | 5,885 |
| Noninterest income to average assets | 0.2992% | 4,816 |
| Noninterest expense to average assets | 2.2976% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2759% | 5,514 |
| Return on assets (ROA) | 0.2759% | 5,598 |
| Pretax return on assets | 0.3428% | 5,589 |
| Return on Equity (ROE) | 3.0006% | 5,400 |
| Retained earnings to average equity (ytd only) | 0.7265% | 5,266 |
| Net charge-offs to loans | 0.0125% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 848 |
| Efficiency ratio | 87.0187% | 978 |
| Assets per employee ($millions) | 4.2441% | 3,395 |
| Cash dividends to net income (ytd only)* | 75.7895% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 5,517 |
| Loan loss allowance to noncurrent loans | 97.4729% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 3,786 |
| Noncurrent loans to loans | 0.8536% | 2,994 |
| Net loans and leases to total assets | 47.3897% | 5,157 |
| Net loans and leases to deposits | 52.8546% | 5,327 |
| Net loans and leases to core deposits | 57.4458% | 5,223 |
| Total domestic deposits to total assets | 89.6606% | 810 |
| Equity capital to assets | 9.3307% | 4,858 |
| Core capital (leverage) ratio | 7.8437% | 5,996 |
| Tier 1 risk-based capital ratio | 15.8506% | 2,927 |
| Total risk-based capital ratio | 16.6612% | 3,091 |
| Memoranda: | ||
| Average total assets | $68,853,670 | 5,237 |
| Average earning assets | $61,992,670 | 5,253 |
| Average equity | $6,332,000 | 5,482 |
| Average total loans | $32,125,330 | 5,397 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0979% | 5,785 |
| Cost of funding earning assets | 0.5121% | 2,183 |
| Net interest margin | 2.5859% | 5,935 |
| Noninterest income to average assets | 0.2712% | 5,010 |
| Noninterest expense to average assets | 2.3136% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2135% | 5,651 |
| Return on assets (ROA) | 0.2135% | 5,741 |
| Pretax return on assets | 0.2885% | 5,669 |
| Return on Equity (ROE) | 2.3381% | 5,593 |
| Retained earnings to average equity (ytd only) | -0.5687% | 5,483 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9135% | 942 |
| Assets per employee ($millions) | 4.2746% | 3,424 |
| Cash dividends to net income (ytd only)* | 124.3243% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 5,578 |
| Loan loss allowance to noncurrent loans | 121.3333% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 4,099 |
| Noncurrent loans to loans | 0.6994% | 3,529 |
| Net loans and leases to total assets | 46.6378% | 5,150 |
| Net loans and leases to deposits | 51.9453% | 5,337 |
| Net loans and leases to core deposits | 56.4479% | 5,225 |
| Total domestic deposits to total assets | 89.7826% | 853 |
| Equity capital to assets | 9.2597% | 5,014 |
| Core capital (leverage) ratio | 7.6449% | 6,095 |
| Tier 1 risk-based capital ratio | 15.7879% | 3,022 |
| Total risk-based capital ratio | 16.1819% | 3,402 |
| Memoranda: | ||
| Average total assets | $69,328,000 | 5,273 |
| Average earning assets | $62,493,500 | 5,294 |
| Average equity | $6,330,000 | 5,527 |
| Average total loans | $31,963,000 | 5,440 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 5,805 |
| Cost of funding earning assets | 0.5977% | 1,777 |
| Net interest margin | 2.6270% | 6,036 |
| Noninterest income to average assets | 0.4168% | 4,065 |
| Noninterest expense to average assets | 2.6327% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0697% | 5,994 |
| Return on assets (ROA) | 0.0697% | 6,022 |
| Pretax return on assets | 0.1263% | 5,967 |
| Return on Equity (ROE) | 0.7501% | 5,996 |
| Retained earnings to average equity (ytd only) | -1.6878% | 5,981 |
| Net charge-offs to loans | 0.0673% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.1429% | 3,728 |
| Efficiency ratio | 95.4211% | 528 |
| Assets per employee ($millions) | 4.3914% | 3,208 |
| Cash dividends to net income (ytd only)* | 325.0000% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 5,619 |
| Loan loss allowance to noncurrent loans | 971.4286% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 4,986 |
| Noncurrent loans to loans | 0.0882% | 5,537 |
| Net loans and leases to total assets | 44.8088% | 5,417 |
| Net loans and leases to deposits | 49.6954% | 5,594 |
| Net loans and leases to core deposits | 54.2575% | 5,489 |
| Total domestic deposits to total assets | 90.1669% | 663 |
| Equity capital to assets | 9.0047% | 5,283 |
| Core capital (leverage) ratio | 7.6318% | 6,157 |
| Tier 1 risk-based capital ratio | 15.6721% | 3,141 |
| Total risk-based capital ratio | 16.0447% | 3,535 |
| Memoranda: | ||
| Average total assets | $68,864,000 | 5,321 |
| Average earning assets | $61,401,400 | 5,360 |
| Average equity | $6,399,000 | 5,551 |
| Average total loans | $31,189,400 | 5,521 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2423% | 5,855 |
| Cost of funding earning assets | 0.6161% | 1,714 |
| Net interest margin | 2.6261% | 6,102 |
| Noninterest income to average assets | 0.3873% | 4,334 |
| Noninterest expense to average assets | 2.3975% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2510% | 5,736 |
| Return on assets (ROA) | 0.2510% | 5,795 |
| Pretax return on assets | 0.3289% | 5,720 |
| Return on Equity (ROE) | 2.6804% | 5,658 |
| Retained earnings to average equity (ytd only) | 0.2701% | 5,727 |
| Net charge-offs to loans | -0.0387% | 5,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9372% | 1,008 |
| Assets per employee ($millions) | 4.3384% | 3,232 |
| Cash dividends to net income (ytd only)* | 89.9186% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 5,409 |
| Loan loss allowance to noncurrent loans | 755.0000% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 3,771 |
| Noncurrent loans to loans | 0.1264% | 5,543 |
| Net loans and leases to total assets | 45.1704% | 5,437 |
| Net loans and leases to deposits | 50.2347% | 5,636 |
| Net loans and leases to core deposits | 55.3379% | 5,485 |
| Total domestic deposits to total assets | 89.9186% | 776 |
| Equity capital to assets | 9.2559% | 5,076 |
| Core capital (leverage) ratio | 7.9345% | 6,113 |
| Tier 1 risk-based capital ratio | 16.2125% | 2,948 |
| Total risk-based capital ratio | 16.7883% | 3,235 |
| Memoranda: | ||
| Average total assets | $68,514,250 | 5,392 |
| Average earning assets | $61,026,000 | 5,427 |
| Average equity | $6,417,000 | 5,601 |
| Average total loans | $31,047,750 | 5,582 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2558% | 5,866 |
| Cost of funding earning assets | 0.6294% | 1,650 |
| Net interest margin | 2.6264% | 6,140 |
| Noninterest income to average assets | 0.3899% | 4,311 |
| Noninterest expense to average assets | 2.3954% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2258% | 5,765 |
| Return on assets (ROA) | 0.2258% | 5,833 |
| Pretax return on assets | 0.3313% | 5,723 |
| Return on Equity (ROE) | 2.4009% | 5,731 |
| Retained earnings to average equity (ytd only) | -0.5301% | 5,779 |
| Net charge-offs to loans | -0.0519% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8495% | 1,098 |
| Assets per employee ($millions) | 4.2349% | 3,401 |
| Cash dividends to net income (ytd only)* | 122.0779% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 5,474 |
| Loan loss allowance to noncurrent loans | 813.5135% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 3,098 |
| Noncurrent loans to loans | 0.1195% | 5,660 |
| Net loans and leases to total assets | 45.2397% | 5,442 |
| Net loans and leases to deposits | 50.4842% | 5,604 |
| Net loans and leases to core deposits | 54.7393% | 5,506 |
| Total domestic deposits to total assets | 89.6117% | 1,011 |
| Equity capital to assets | 9.4497% | 4,792 |
| Core capital (leverage) ratio | 7.9836% | 6,111 |
| Tier 1 risk-based capital ratio | 16.7423% | 2,731 |
| Total risk-based capital ratio | 17.3808% | 2,964 |
| Memoranda: | ||
| Average total assets | $68,214,000 | 5,445 |
| Average earning assets | $60,691,000 | 5,487 |
| Average equity | $6,414,330 | 5,630 |
| Average total loans | $30,844,670 | 5,635 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2471% | 5,936 |
| Cost of funding earning assets | 0.6297% | 1,738 |
| Net interest margin | 2.6173% | 6,215 |
| Noninterest income to average assets | 0.2630% | 5,258 |
| Noninterest expense to average assets | 2.1449% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3214% | 5,424 |
| Return on assets (ROA) | 0.3214% | 5,473 |
| Pretax return on assets | 0.4500% | 5,308 |
| Return on Equity (ROE) | 3.4268% | 5,310 |
| Retained earnings to average equity (ytd only) | 0.5607% | 5,358 |
| Net charge-offs to loans | -0.0390% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6577% | 1,844 |
| Assets per employee ($millions) | 4.2904% | 3,359 |
| Cash dividends to net income (ytd only)* | 83.6364% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 5,635 |
| Loan loss allowance to noncurrent loans | 140.9524% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2222% | 2,814 |
| Noncurrent loans to loans | 0.6884% | 4,150 |
| Net loans and leases to total assets | 44.0063% | 5,515 |
| Net loans and leases to deposits | 49.0334% | 5,667 |
| Net loans and leases to core deposits | 53.1231% | 5,558 |
| Total domestic deposits to total assets | 89.7475% | 1,209 |
| Equity capital to assets | 9.3726% | 4,664 |
| Core capital (leverage) ratio | 7.8754% | 6,191 |
| Tier 1 risk-based capital ratio | 16.5308% | 2,886 |
| Total risk-based capital ratio | 17.1421% | 3,184 |
| Memoranda: | ||
| Average total assets | $68,441,500 | 5,494 |
| Average earning assets | $60,978,000 | 5,541 |
| Average equity | $6,420,000 | 5,659 |
| Average total loans | $30,789,500 | 5,685 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 5,562 |
| Cost of funding earning assets | 0.6905% | 1,885 |
| Net interest margin | 2.8492% | 5,900 |
| Noninterest income to average assets | 0.3031% | 5,176 |
| Noninterest expense to average assets | 2.3856% | 5,112 |
| Loan and lease loss provision to assets | 0.0600% | 3,941 |
| Net operating income to assets | 0.2686% | 5,622 |
| Return on assets (ROA) | 0.2686% | 5,706 |
| Pretax return on assets | 0.4021% | 5,493 |
| Return on Equity (ROE) | 2.7586% | 5,596 |
| Retained earnings to average equity (ytd only) | 0.5856% | 5,575 |
| Net charge-offs to loans | 0.1649% | 3,162 |
| Credit loss provision to net charge-offs | 74.0741% | 3,197 |
| Earnings coverage of net charge-offs (x) | 5.7037% | 3,235 |
| Efficiency ratio | 83.7724% | 1,653 |
| Assets per employee ($millions) | 4.2648% | 3,328 |
| Cash dividends to net income (ytd only)* | 78.7709% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 5,780 |
| Loan loss allowance to noncurrent loans | 281.7308% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 3,213 |
| Noncurrent loans to loans | 0.3347% | 5,184 |
| Net loans and leases to total assets | 45.1096% | 5,573 |
| Net loans and leases to deposits | 50.2252% | 5,752 |
| Net loans and leases to core deposits | 54.4440% | 5,642 |
| Total domestic deposits to total assets | 89.8148% | 1,172 |
| Equity capital to assets | 9.3880% | 4,561 |
| Core capital (leverage) ratio | 7.8152% | 6,235 |
| Tier 1 risk-based capital ratio | 16.0646% | 3,068 |
| Total risk-based capital ratio | 16.6077% | 3,402 |
| Memoranda: | ||
| Average total assets | $66,649,000 | 5,576 |
| Average earning assets | $59,526,200 | 5,605 |
| Average equity | $6,488,800 | 5,697 |
| Average total loans | $32,745,800 | 5,633 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 5,475 |
| Cost of funding earning assets | 0.6990% | 1,956 |
| Net interest margin | 2.8882% | 5,844 |
| Noninterest income to average assets | 0.3059% | 5,257 |
| Noninterest expense to average assets | 2.3465% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3703% | 5,370 |
| Return on assets (ROA) | 0.3703% | 5,503 |
| Pretax return on assets | 0.5454% | 5,217 |
| Return on Equity (ROE) | 3.7688% | 5,322 |
| Retained earnings to average equity (ytd only) | 1.8229% | 5,225 |
| Net charge-offs to loans | 0.0322% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 33.8632% | 1,133 |
| Efficiency ratio | 81.1413% | 1,950 |
| Assets per employee ($millions) | 4.1812% | 3,464 |
| Cash dividends to net income (ytd only)* | 51.6284% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 6,062 |
| Loan loss allowance to noncurrent loans | 102.0478% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.1017% | 3,452 |
| Noncurrent loans to loans | 0.8789% | 4,060 |
| Net loans and leases to total assets | 49.3834% | 5,203 |
| Net loans and leases to deposits | 55.2486% | 5,439 |
| Net loans and leases to core deposits | 63.0983% | 4,998 |
| Total domestic deposits to total assets | 89.3840% | 1,367 |
| Equity capital to assets | 9.7027% | 4,300 |
| Core capital (leverage) ratio | 8.1307% | 6,127 |
| Tier 1 risk-based capital ratio | 15.4850% | 3,480 |
| Total risk-based capital ratio | 15.9802% | 3,891 |
| Memoranda: | ||
| Average total assets | $66,252,250 | 5,644 |
| Average earning assets | $59,320,250 | 5,673 |
| Average equity | $6,509,500 | 5,768 |
| Average total loans | $33,163,750 | 5,672 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 5,493 |
| Cost of funding earning assets | 0.7048% | 2,036 |
| Net interest margin | 2.8767% | 5,836 |
| Noninterest income to average assets | 0.3089% | 5,233 |
| Noninterest expense to average assets | 2.3623% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3483% | 5,411 |
| Return on assets (ROA) | 0.3483% | 5,590 |
| Pretax return on assets | 0.5300% | 5,268 |
| Return on Equity (ROE) | 3.5300% | 5,407 |
| Retained earnings to average equity (ytd only) | 1.9952% | 5,002 |
| Net charge-offs to loans | 0.0483% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,397 |
| Efficiency ratio | 81.6754% | 1,934 |
| Assets per employee ($millions) | 4.1089% | 3,561 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 6,129 |
| Loan loss allowance to noncurrent loans | 54.8803% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 3,494 |
| Noncurrent loans to loans | 1.6394% | 2,858 |
| Net loans and leases to total assets | 49.9270% | 5,118 |
| Net loans and leases to deposits | 56.1182% | 5,326 |
| Net loans and leases to core deposits | 60.7282% | 5,197 |
| Total domestic deposits to total assets | 88.9675% | 1,650 |
| Equity capital to assets | 9.8978% | 4,056 |
| Core capital (leverage) ratio | 8.0956% | 6,112 |
| Tier 1 risk-based capital ratio | 15.5565% | 3,449 |
| Total risk-based capital ratio | 16.0621% | 3,870 |
| Memoranda: | ||
| Average total assets | $66,036,670 | 5,689 |
| Average earning assets | $59,304,670 | 5,714 |
| Average equity | $6,515,670 | 5,808 |
| Average total loans | $33,106,330 | 5,708 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5776% | 5,509 |
| Cost of funding earning assets | 0.7182% | 2,074 |
| Net interest margin | 2.8594% | 5,891 |
| Noninterest income to average assets | 0.3022% | 5,282 |
| Noninterest expense to average assets | 2.3087% | 5,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4352% | 4,977 |
| Return on assets (ROA) | 0.4352% | 5,138 |
| Pretax return on assets | 0.5681% | 5,056 |
| Return on Equity (ROE) | 4.4172% | 4,885 |
| Retained earnings to average equity (ytd only) | 1.3497% | 5,311 |
| Net charge-offs to loans | 0.1208% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 1,840 |
| Efficiency ratio | 80.2521% | 2,292 |
| Assets per employee ($millions) | 4.1331% | 3,671 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 6,243 |
| Loan loss allowance to noncurrent loans | 54.2125% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 1.1205% | 3,698 |
| Noncurrent loans to loans | 1.6745% | 3,036 |
| Net loans and leases to total assets | 48.8606% | 5,130 |
| Net loans and leases to deposits | 54.8202% | 5,372 |
| Net loans and leases to core deposits | 59.2612% | 5,221 |
| Total domestic deposits to total assets | 89.1288% | 1,608 |
| Equity capital to assets | 9.8504% | 4,349 |
| Core capital (leverage) ratio | 7.8849% | 6,231 |
| Tier 1 risk-based capital ratio | 15.5257% | 3,514 |
| Total risk-based capital ratio | 16.0523% | 3,937 |
| Memoranda: | ||
| Average total assets | $66,184,000 | 5,734 |
| Average earning assets | $59,592,500 | 5,759 |
| Average equity | $6,520,000 | 5,859 |
| Average total loans | $33,099,000 | 5,746 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 5,422 |
| Cost of funding earning assets | 0.8608% | 2,209 |
| Net interest margin | 3.0954% | 5,825 |
| Noninterest income to average assets | 0.4203% | 4,452 |
| Noninterest expense to average assets | 2.5158% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4463% | 4,898 |
| Return on assets (ROA) | 0.4463% | 5,148 |
| Pretax return on assets | 0.6526% | 4,819 |
| Return on Equity (ROE) | 4.5981% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.8030% | 4,269 |
| Net charge-offs to loans | 0.2292% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.6933% | 2,973 |
| Efficiency ratio | 79.4018% | 2,224 |
| Assets per employee ($millions) | 4.1399% | 3,670 |
| Cash dividends to net income (ytd only)* | 39.0411% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 6,244 |
| Loan loss allowance to noncurrent loans | 57.9545% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 4,008 |
| Noncurrent loans to loans | 1.5718% | 3,263 |
| Net loans and leases to total assets | 50.2499% | 5,137 |
| Net loans and leases to deposits | 56.4047% | 5,404 |
| Net loans and leases to core deposits | 60.6373% | 5,306 |
| Total domestic deposits to total assets | 89.0880% | 1,502 |
| Equity capital to assets | 9.8522% | 4,376 |
| Core capital (leverage) ratio | 7.7775% | 6,357 |
| Tier 1 risk-based capital ratio | 14.9990% | 3,719 |
| Total risk-based capital ratio | 15.5273% | 4,138 |
| Memoranda: | ||
| Average total assets | $65,425,600 | 5,769 |
| Average earning assets | $58,086,400 | 5,812 |
| Average equity | $6,350,400 | 5,927 |
| Average total loans | $32,725,400 | 5,814 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 5,477 |
| Cost of funding earning assets | 0.8822% | 2,291 |
| Net interest margin | 3.1314% | 5,864 |
| Noninterest income to average assets | 0.3639% | 4,915 |
| Noninterest expense to average assets | 2.5389% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4395% | 5,081 |
| Return on assets (ROA) | 0.4395% | 5,320 |
| Pretax return on assets | 0.5969% | 5,176 |
| Return on Equity (ROE) | 4.5455% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.1713% | 4,640 |
| Net charge-offs to loans | -0.3322% | 7,059 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9648% | 1,943 |
| Assets per employee ($millions) | 4.1835% | 3,511 |
| Cash dividends to net income (ytd only)* | 30.2309% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 4,352 |
| Loan loss allowance to noncurrent loans | 80.7692% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 4,125 |
| Noncurrent loans to loans | 1.7399% | 3,174 |
| Net loans and leases to total assets | 48.4239% | 5,499 |
| Net loans and leases to deposits | 54.1697% | 5,797 |
| Net loans and leases to core deposits | 58.7256% | 5,686 |
| Total domestic deposits to total assets | 89.3929% | 1,199 |
| Equity capital to assets | 9.6226% | 5,031 |
| Core capital (leverage) ratio | 7.8133% | 6,460 |
| Tier 1 risk-based capital ratio | 14.9362% | 3,893 |
| Total risk-based capital ratio | 16.1828% | 3,848 |
| Memoranda: | ||
| Average total assets | $65,222,250 | 5,842 |
| Average earning assets | $57,735,750 | 5,886 |
| Average equity | $6,306,500 | 6,007 |
| Average total loans | $32,509,000 | 5,901 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 5,501 |
| Cost of funding earning assets | 0.9019% | 2,382 |
| Net interest margin | 3.1427% | 5,882 |
| Noninterest income to average assets | 0.3465% | 5,065 |
| Noninterest expense to average assets | 2.5893% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4114% | 5,176 |
| Return on assets (ROA) | 0.4114% | 5,405 |
| Pretax return on assets | 0.5383% | 5,347 |
| Return on Equity (ROE) | 4.2481% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.1719% | 5,106 |
| Net charge-offs to loans | -0.4817% | 7,124 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7893% | 1,779 |
| Assets per employee ($millions) | 4.0343% | 3,807 |
| Cash dividends to net income (ytd only)* | 48.8722% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 4,368 |
| Loan loss allowance to noncurrent loans | 420.1835% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 5,521 |
| Noncurrent loans to loans | 0.3388% | 5,869 |
| Net loans and leases to total assets | 49.1386% | 5,464 |
| Net loans and leases to deposits | 55.0975% | 5,758 |
| Net loans and leases to core deposits | 59.2771% | 5,669 |
| Total domestic deposits to total assets | 89.1848% | 1,400 |
| Equity capital to assets | 9.8020% | 4,621 |
| Core capital (leverage) ratio | 7.8377% | 6,418 |
| Tier 1 risk-based capital ratio | 15.2837% | 3,578 |
| Total risk-based capital ratio | 16.5068% | 3,566 |
| Memoranda: | ||
| Average total assets | $64,651,000 | 5,898 |
| Average earning assets | $57,212,000 | 5,935 |
| Average equity | $6,261,670 | 6,049 |
| Average total loans | $32,387,000 | 5,942 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 5,506 |
| Cost of funding earning assets | 0.9445% | 2,343 |
| Net interest margin | 3.1412% | 5,930 |
| Noninterest income to average assets | 0.3400% | 5,134 |
| Noninterest expense to average assets | 2.5409% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4142% | 5,199 |
| Return on assets (ROA) | 0.4142% | 5,387 |
| Pretax return on assets | 0.5749% | 5,206 |
| Return on Equity (ROE) | 4.3025% | 5,139 |
| Retained earnings to average equity (ytd only) | 0.1284% | 5,936 |
| Net charge-offs to loans | -0.5909% | 7,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5476% | 1,997 |
| Assets per employee ($millions) | 3.8202% | 4,377 |
| Cash dividends to net income (ytd only)* | 97.0149% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,854 |
| Loan loss allowance to noncurrent loans | 393.5780% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 5,633 |
| Noncurrent loans to loans | 0.3395% | 5,992 |
| Net loans and leases to total assets | 48.7697% | 5,460 |
| Net loans and leases to deposits | 54.4940% | 5,759 |
| Net loans and leases to core deposits | 59.6085% | 5,566 |
| Total domestic deposits to total assets | 89.4956% | 1,374 |
| Equity capital to assets | 9.5883% | 4,663 |
| Core capital (leverage) ratio | 7.7754% | 6,433 |
| Tier 1 risk-based capital ratio | 15.1518% | 3,652 |
| Total risk-based capital ratio | 16.3934% | 3,620 |
| Memoranda: | ||
| Average total assets | $64,702,500 | 5,930 |
| Average earning assets | $57,176,000 | 5,965 |
| Average equity | $6,229,000 | 6,090 |
| Average total loans | $32,492,500 | 5,979 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 5,308 |
| Cost of funding earning assets | 1.0928% | 2,718 |
| Net interest margin | 3.3376% | 5,692 |
| Noninterest income to average assets | 0.3633% | 4,906 |
| Noninterest expense to average assets | 3.2177% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0664% | 5,932 |
| Return on assets (ROA) | 0.1463% | 5,886 |
| Pretax return on assets | 0.1557% | 5,875 |
| Return on Equity (ROE) | 1.4724% | 5,845 |
| Retained earnings to average equity (ytd only) | -2.4857% | 6,212 |
| Net charge-offs to loans | 0.0300% | 6,027 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,091 |
| Efficiency ratio | 97.8479% | 732 |
| Assets per employee ($millions) | 3.7918% | 4,337 |
| Cash dividends to net income (ytd only)* | 268.8172% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,580 |
| Loan loss allowance to noncurrent loans | 692.7273% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 5,219 |
| Noncurrent loans to loans | 0.1673% | 6,416 |
| Net loans and leases to total assets | 50.4212% | 5,534 |
| Net loans and leases to deposits | 56.3830% | 5,851 |
| Net loans and leases to core deposits | 61.1227% | 5,740 |
| Total domestic deposits to total assets | 89.4262% | 1,306 |
| Equity capital to assets | 9.6663% | 4,651 |
| Core capital (leverage) ratio | 7.7387% | 6,508 |
| Tier 1 risk-based capital ratio | 15.1219% | 3,566 |
| Total risk-based capital ratio | 16.1877% | 3,638 |
| Memoranda: | ||
| Average total assets | $63,586,600 | 5,935 |
| Average earning assets | $55,729,000 | 5,996 |
| Average equity | $6,316,200 | 6,064 |
| Average total loans | $33,321,800 | 5,990 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4980% | 5,259 |
| Cost of funding earning assets | 1.1185% | 2,846 |
| Net interest margin | 3.3795% | 5,635 |
| Noninterest income to average assets | 0.3998% | 4,670 |
| Noninterest expense to average assets | 3.1435% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2044% | 5,693 |
| Return on assets (ROA) | 0.3135% | 5,522 |
| Pretax return on assets | 0.3261% | 5,652 |
| Return on Equity (ROE) | 3.1347% | 5,363 |
| Retained earnings to average equity (ytd only) | -0.7364% | 6,105 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6677% | 935 |
| Assets per employee ($millions) | 3.5867% | 4,792 |
| Cash dividends to net income (ytd only)* | 123.4924% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 5,517 |
| Loan loss allowance to noncurrent loans | 724.0741% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 4,953 |
| Noncurrent loans to loans | 0.1640% | 6,538 |
| Net loans and leases to total assets | 50.3841% | 5,661 |
| Net loans and leases to deposits | 56.4585% | 5,987 |
| Net loans and leases to core deposits | 62.1297% | 5,802 |
| Total domestic deposits to total assets | 89.2410% | 1,287 |
| Equity capital to assets | 9.8529% | 4,544 |
| Core capital (leverage) ratio | 8.1471% | 6,210 |
| Tier 1 risk-based capital ratio | 15.3500% | 3,459 |
| Total risk-based capital ratio | 16.4614% | 3,501 |
| Memoranda: | ||
| Average total assets | $63,368,000 | 5,987 |
| Average earning assets | $55,431,250 | 6,053 |
| Average equity | $6,337,500 | 6,101 |
| Average total loans | $33,431,500 | 6,041 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 5,091 |
| Cost of funding earning assets | 1.1358% | 2,992 |
| Net interest margin | 3.4364% | 5,420 |
| Noninterest income to average assets | 0.4256% | 4,464 |
| Noninterest expense to average assets | 3.3095% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1048% | 6,003 |
| Return on assets (ROA) | 0.1048% | 6,085 |
| Pretax return on assets | 0.1239% | 6,062 |
| Return on Equity (ROE) | 1.0427% | 6,075 |
| Retained earnings to average equity (ytd only) | -2.6542% | 6,326 |
| Net charge-offs to loans | -0.0179% | 6,796 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3922% | 861 |
| Assets per employee ($millions) | 3.4653% | 5,036 |
| Cash dividends to net income (ytd only)* | 354.5455% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 5,530 |
| Loan loss allowance to noncurrent loans | 571.0145% | 592 |
| Noncurrent assets plus other real estate owned to assets | 1.5551% | 3,861 |
| Noncurrent loans to loans | 0.2107% | 6,486 |
| Net loans and leases to total assets | 51.8669% | 5,586 |
| Net loans and leases to deposits | 58.3992% | 5,888 |
| Net loans and leases to core deposits | 64.1396% | 5,709 |
| Total domestic deposits to total assets | 88.8144% | 1,658 |
| Equity capital to assets | 10.1194% | 3,992 |
| Core capital (leverage) ratio | 8.1197% | 6,136 |
| Tier 1 risk-based capital ratio | 15.3750% | 3,308 |
| Total risk-based capital ratio | 16.5234% | 3,319 |
| Memoranda: | ||
| Average total assets | $62,970,670 | 6,052 |
| Average earning assets | $55,116,330 | 6,116 |
| Average equity | $6,329,670 | 6,131 |
| Average total loans | $33,602,330 | 6,099 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 4,907 |
| Cost of funding earning assets | 1.1739% | 2,991 |
| Net interest margin | 3.4347% | 5,288 |
| Noninterest income to average assets | 0.2782% | 5,677 |
| Noninterest expense to average assets | 2.9651% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2719% | 5,536 |
| Return on assets (ROA) | 0.2719% | 5,595 |
| Pretax return on assets | 0.3098% | 5,624 |
| Return on Equity (ROE) | 2.7136% | 5,512 |
| Retained earnings to average equity (ytd only) | -0.5049% | 5,884 |
| Net charge-offs to loans | 0.1528% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.7692% | 2,638 |
| Efficiency ratio | 90.5405% | 1,287 |
| Assets per employee ($millions) | 3.5196% | 4,949 |
| Cash dividends to net income (ytd only)* | 118.6047% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,856 |
| Loan loss allowance to noncurrent loans | 687.2727% | 510 |
| Noncurrent assets plus other real estate owned to assets | 2.2888% | 2,959 |
| Noncurrent loans to loans | 0.1671% | 6,634 |
| Net loans and leases to total assets | 51.3607% | 5,667 |
| Net loans and leases to deposits | 57.6864% | 5,958 |
| Net loans and leases to core deposits | 63.6465% | 5,770 |
| Total domestic deposits to total assets | 89.0343% | 1,749 |
| Equity capital to assets | 10.0139% | 3,757 |
| Core capital (leverage) ratio | 8.2007% | 5,967 |
| Tier 1 risk-based capital ratio | 15.0982% | 3,378 |
| Total risk-based capital ratio | 16.0769% | 3,483 |
| Memoranda: | ||
| Average total assets | $63,268,500 | 6,087 |
| Average earning assets | $55,201,000 | 6,154 |
| Average equity | $6,338,500 | 6,142 |
| Average total loans | $34,030,500 | 6,122 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 3,714 |
| Cost of funding earning assets | 1.5220% | 2,517 |
| Net interest margin | 3.6553% | 4,552 |
| Noninterest income to average assets | 0.2998% | 5,647 |
| Noninterest expense to average assets | 2.8347% | 4,457 |
| Loan and lease loss provision to assets | 0.1919% | 5,309 |
| Net operating income to assets | 0.3518% | 4,732 |
| Return on assets (ROA) | 0.3395% | 4,949 |
| Pretax return on assets | 0.4346% | 4,837 |
| Return on Equity (ROE) | 3.3397% | 4,809 |
| Retained earnings to average equity (ytd only) | -1.0456% | 5,811 |
| Net charge-offs to loans | 0.3780% | 4,151 |
| Credit loss provision to net charge-offs | 85.8156% | 5,299 |
| Earnings coverage of net charge-offs (x) | 2.8723% | 3,636 |
| Efficiency ratio | 81.5237% | 2,219 |
| Assets per employee ($millions) | 3.5103% | 4,915 |
| Cash dividends to net income (ytd only)* | 131.3084% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,912 |
| Loan loss allowance to noncurrent loans | 82.4895% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 2.3819% | 2,884 |
| Noncurrent loans to loans | 1.3487% | 4,461 |
| Net loans and leases to total assets | 55.0036% | 5,486 |
| Net loans and leases to deposits | 61.7772% | 5,866 |
| Net loans and leases to core deposits | 67.6332% | 5,693 |
| Total domestic deposits to total assets | 89.0354% | 1,641 |
| Equity capital to assets | 10.0229% | 3,720 |
| Core capital (leverage) ratio | 8.0773% | 6,066 |
| Tier 1 risk-based capital ratio | 14.5949% | 3,485 |
| Total risk-based capital ratio | 15.5736% | 3,613 |
| Memoranda: | ||
| Average total assets | $63,039,600 | 6,087 |
| Average earning assets | $54,797,600 | 6,181 |
| Average equity | $6,407,800 | 6,231 |
| Average total loans | $37,299,000 | 6,053 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 3,572 |
| Cost of funding earning assets | 1.5838% | 2,483 |
| Net interest margin | 3.6671% | 4,560 |
| Noninterest income to average assets | 0.3047% | 5,716 |
| Noninterest expense to average assets | 2.9141% | 4,034 |
| Loan and lease loss provision to assets | 0.1693% | 5,348 |
| Net operating income to assets | 0.4063% | 4,723 |
| Return on assets (ROA) | 0.2963% | 5,349 |
| Pretax return on assets | 0.2963% | 5,524 |
| Return on Equity (ROE) | 2.9045% | 5,261 |
| Retained earnings to average equity (ytd only) | -1.4107% | 6,086 |
| Net charge-offs to loans | 0.3383% | 3,954 |
| Credit loss provision to net charge-offs | 83.3333% | 5,026 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,717 |
| Efficiency ratio | 83.5052% | 1,888 |
| Assets per employee ($millions) | 3.4718% | 5,052 |
| Cash dividends to net income (ytd only)* | 148.5749% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 6,008 |
| Loan loss allowance to noncurrent loans | 76.8482% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 2.5907% | 2,788 |
| Noncurrent loans to loans | 1.4112% | 4,499 |
| Net loans and leases to total assets | 57.6538% | 5,308 |
| Net loans and leases to deposits | 64.9745% | 5,792 |
| Net loans and leases to core deposits | 70.4159% | 5,707 |
| Total domestic deposits to total assets | 88.7330% | 1,541 |
| Equity capital to assets | 10.2525% | 3,820 |
| Core capital (leverage) ratio | 8.2653% | 5,939 |
| Tier 1 risk-based capital ratio | 14.2054% | 3,689 |
| Total risk-based capital ratio | 15.1569% | 3,879 |
| Memoranda: | ||
| Average total assets | $63,003,250 | 6,161 |
| Average earning assets | $54,719,750 | 6,252 |
| Average equity | $6,426,500 | 6,308 |
| Average total loans | $37,837,500 | 6,103 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3818% | 3,056 |
| Cost of funding earning assets | 1.6327% | 2,465 |
| Net interest margin | 3.7490% | 4,139 |
| Noninterest income to average assets | 0.2818% | 5,891 |
| Noninterest expense to average assets | 2.9253% | 3,982 |
| Loan and lease loss provision to assets | 0.1108% | 5,796 |
| Net operating income to assets | 0.5097% | 4,277 |
| Return on assets (ROA) | 0.3451% | 5,159 |
| Pretax return on assets | 0.3451% | 5,387 |
| Return on Equity (ROE) | 3.3888% | 5,063 |
| Retained earnings to average equity (ytd only) | -0.9016% | 5,950 |
| Net charge-offs to loans | 0.0104% | 6,205 |
| Credit loss provision to net charge-offs | 1,750.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 336 |
| Efficiency ratio | 82.5000% | 2,102 |
| Assets per employee ($millions) | 3.4408% | 5,069 |
| Cash dividends to net income (ytd only)* | 126.6055% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 5,514 |
| Loan loss allowance to noncurrent loans | 61.0729% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.8982% | 2,481 |
| Noncurrent loans to loans | 1.9471% | 3,799 |
| Net loans and leases to total assets | 59.5683% | 5,143 |
| Net loans and leases to deposits | 67.6179% | 5,603 |
| Net loans and leases to core deposits | 73.3474% | 5,515 |
| Total domestic deposits to total assets | 88.0954% | 1,950 |
| Equity capital to assets | 10.4014% | 3,524 |
| Core capital (leverage) ratio | 8.4043% | 5,576 |
| Tier 1 risk-based capital ratio | 14.1044% | 3,662 |
| Total risk-based capital ratio | 15.3024% | 3,658 |
| Memoranda: | ||
| Average total assets | $63,173,670 | 6,201 |
| Average earning assets | $55,000,670 | 6,282 |
| Average equity | $6,433,000 | 6,323 |
| Average total loans | $38,308,670 | 6,123 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 2,931 |
| Cost of funding earning assets | 1.6661% | 2,561 |
| Net interest margin | 3.7560% | 3,975 |
| Noninterest income to average assets | 0.2759% | 5,947 |
| Noninterest expense to average assets | 3.0411% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5142% | 4,324 |
| Return on assets (ROA) | 0.5142% | 4,465 |
| Pretax return on assets | 0.5142% | 4,910 |
| Return on Equity (ROE) | 5.1023% | 4,312 |
| Retained earnings to average equity (ytd only) | 0.8089% | 5,494 |
| Net charge-offs to loans | 0.1856% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 2,605 |
| Efficiency ratio | 85.5379% | 1,850 |
| Assets per employee ($millions) | 3.3286% | 5,479 |
| Cash dividends to net income (ytd only)* | 84.1463% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 6,278 |
| Loan loss allowance to noncurrent loans | 61.7925% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.6943% | 2,703 |
| Noncurrent loans to loans | 1.6850% | 4,223 |
| Net loans and leases to total assets | 59.0601% | 5,278 |
| Net loans and leases to deposits | 67.4114% | 5,658 |
| Net loans and leases to core deposits | 73.0301% | 5,605 |
| Total domestic deposits to total assets | 87.6115% | 2,293 |
| Equity capital to assets | 10.1970% | 3,617 |
| Core capital (leverage) ratio | 8.2341% | 5,858 |
| Tier 1 risk-based capital ratio | 14.0882% | 3,602 |
| Total risk-based capital ratio | 14.9818% | 3,795 |
| Memoranda: | ||
| Average total assets | $63,793,500 | 6,248 |
| Average earning assets | $55,697,500 | 6,336 |
| Average equity | $6,428,500 | 6,373 |
| Average total loans | $38,794,500 | 6,174 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7404% | 2,909 |
| Cost of funding earning assets | 2.0124% | 2,906 |
| Net interest margin | 3.7280% | 4,013 |
| Noninterest income to average assets | 0.4014% | 5,188 |
| Noninterest expense to average assets | 2.7456% | 5,180 |
| Loan and lease loss provision to assets | 0.0854% | 6,755 |
| Net operating income to assets | 0.5691% | 3,448 |
| Return on assets (ROA) | 0.5691% | 3,524 |
| Pretax return on assets | 0.8496% | 3,089 |
| Return on Equity (ROE) | 5.6277% | 3,365 |
| Retained earnings to average equity (ytd only) | 4.1131% | 2,332 |
| Net charge-offs to loans | 2.2218% | 1,068 |
| Credit loss provision to net charge-offs | 5.9417% | 6,989 |
| Earnings coverage of net charge-offs (x) | 0.6502% | 5,441 |
| Efficiency ratio | 74.5948% | 3,780 |
| Assets per employee ($millions) | 3.3865% | 5,292 |
| Cash dividends to net income (ytd only)* | 26.9122% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 6,207 |
| Loan loss allowance to noncurrent loans | 28.9641% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 2.8379% | 2,473 |
| Noncurrent loans to loans | 3.5614% | 2,131 |
| Net loans and leases to total assets | 61.2856% | 5,144 |
| Net loans and leases to deposits | 71.1864% | 5,444 |
| Net loans and leases to core deposits | 84.4335% | 5,679 |
| Total domestic deposits to total assets | 86.0917% | 2,971 |
| Equity capital to assets | 9.9591% | 3,814 |
| Core capital (leverage) ratio | 8.2581% | 5,706 |
| Tier 1 risk-based capital ratio | 13.7369% | 3,665 |
| Total risk-based capital ratio | 13.9015% | 4,335 |
| Memoranda: | ||
| Average total assets | $62,027,600 | 6,271 |
| Average earning assets | $54,560,800 | 6,350 |
| Average equity | $6,272,600 | 6,509 |
| Average total loans | $40,147,000 | 6,105 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 2,852 |
| Cost of funding earning assets | 2.0807% | 2,981 |
| Net interest margin | 3.7274% | 3,959 |
| Noninterest income to average assets | 0.4274% | 5,070 |
| Noninterest expense to average assets | 3.0550% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6531% | 3,391 |
| Return on assets (ROA) | 0.6531% | 3,453 |
| Pretax return on assets | 0.6531% | 4,007 |
| Return on Equity (ROE) | 6.4327% | 3,331 |
| Retained earnings to average equity (ytd only) | 6.4327% | 1,745 |
| Net charge-offs to loans | 2.7480% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.3631% | 5,662 |
| Efficiency ratio | 82.3874% | 2,530 |
| Assets per employee ($millions) | 3.3719% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 6,137 |
| Loan loss allowance to noncurrent loans | 24.3775% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 2.7035% | 2,575 |
| Noncurrent loans to loans | 4.2008% | 1,720 |
| Net loans and leases to total assets | 63.5126% | 4,972 |
| Net loans and leases to deposits | 74.3468% | 5,321 |
| Net loans and leases to core deposits | 84.1589% | 6,030 |
| Total domestic deposits to total assets | 85.4275% | 3,009 |
| Equity capital to assets | 10.0693% | 4,003 |
| Core capital (leverage) ratio | 7.6615% | 6,782 |
| Tier 1 risk-based capital ratio | 12.4768% | 4,558 |
| Total risk-based capital ratio | 13.4484% | 4,744 |
| Memoranda: | ||
| Average total assets | $61,448,750 | 6,339 |
| Average earning assets | $54,084,250 | 6,418 |
| Average equity | $6,238,750 | 6,579 |
| Average total loans | $40,222,750 | 6,143 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8752% | 2,693 |
| Cost of funding earning assets | 2.1844% | 2,864 |
| Net interest margin | 3.6908% | 3,990 |
| Noninterest income to average assets | 0.3995% | 5,291 |
| Noninterest expense to average assets | 2.8130% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5382% | 3,947 |
| Return on assets (ROA) | 0.5382% | 4,050 |
| Pretax return on assets | 0.8221% | 3,597 |
| Return on Equity (ROE) | 5.2853% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.2853% | 2,353 |
| Net charge-offs to loans | 2.6448% | 636 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.4716% | 5,232 |
| Efficiency ratio | 77.3842% | 3,441 |
| Assets per employee ($millions) | 3.2664% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 1,993 |
| Loan loss allowance to noncurrent loans | 59.9668% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.9481% | 3,273 |
| Noncurrent loans to loans | 3.0347% | 2,377 |
| Net loans and leases to total assets | 62.7657% | 5,223 |
| Net loans and leases to deposits | 72.6085% | 5,651 |
| Net loans and leases to core deposits | 82.5870% | 6,194 |
| Total domestic deposits to total assets | 86.4440% | 2,541 |
| Equity capital to assets | 10.1416% | 3,778 |
| Core capital (leverage) ratio | 8.4018% | 5,616 |
| Tier 1 risk-based capital ratio | 13.8874% | 3,583 |
| Total risk-based capital ratio | 15.1367% | 3,521 |
| Memoranda: | ||
| Average total assets | $60,576,330 | 6,428 |
| Average earning assets | $53,104,670 | 6,509 |
| Average equity | $6,168,000 | 6,658 |
| Average total loans | $39,926,670 | 6,208 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 2,409 |
| Cost of funding earning assets | 2.2876% | 2,756 |
| Net interest margin | 3.7001% | 3,892 |
| Noninterest income to average assets | 0.3877% | 5,318 |
| Noninterest expense to average assets | 2.8278% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5148% | 4,356 |
| Return on assets (ROA) | 0.5148% | 4,546 |
| Pretax return on assets | 0.7822% | 4,142 |
| Return on Equity (ROE) | 5.0450% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.0450% | 3,098 |
| Net charge-offs to loans | 5.5128% | 180 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.2120% | 4,814 |
| Efficiency ratio | 78.3333% | 3,110 |
| Assets per employee ($millions) | 3.2024% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 1,942 |
| Loan loss allowance to noncurrent loans | 55.4408% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.0922% | 2,759 |
| Noncurrent loans to loans | 3.1827% | 2,036 |
| Net loans and leases to total assets | 63.8662% | 5,016 |
| Net loans and leases to deposits | 72.5352% | 5,676 |
| Net loans and leases to core deposits | 82.5474% | 6,185 |
| Total domestic deposits to total assets | 88.0485% | 1,727 |
| Equity capital to assets | 10.1486% | 3,831 |
| Core capital (leverage) ratio | 8.5003% | 5,535 |
| Tier 1 risk-based capital ratio | 13.9096% | 3,643 |
| Total risk-based capital ratio | 15.1577% | 3,568 |
| Memoranda: | ||
| Average total assets | $59,834,000 | 6,482 |
| Average earning assets | $52,107,000 | 6,570 |
| Average equity | $6,105,000 | 6,723 |
| Average total loans | $40,052,500 | 6,238 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6726% | 2,140 |
| Cost of funding earning assets | 2.7564% | 2,892 |
| Net interest margin | 3.9161% | 3,494 |
| Noninterest income to average assets | 0.3693% | 5,748 |
| Noninterest expense to average assets | 3.0213% | 4,005 |
| Loan and lease loss provision to assets | 0.4466% | 3,058 |
| Net operating income to assets | 2.5214% | 122 |
| Return on assets (ROA) | 2.5214% | 121 |
| Pretax return on assets | 0.4105% | 5,230 |
| Return on Equity (ROE) | 29.1721% | 70 |
| Retained earnings to average equity (ytd only) | 25.2176% | 15 |
| Net charge-offs to loans | 0.3660% | 3,003 |
| Credit loss provision to net charge-offs | 172.1854% | 2,971 |
| Earnings coverage of net charge-offs (x) | 3.3046% | 4,434 |
| Efficiency ratio | 77.9008% | 2,932 |
| Assets per employee ($millions) | 3.0959% | 5,775 |
| Cash dividends to net income (ytd only)* | 13.5559% | 4,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0828% | 407 |
| Loan loss allowance to noncurrent loans | 327.2251% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 5,149 |
| Noncurrent loans to loans | 0.9421% | 4,726 |
| Net loans and leases to total assets | 66.8066% | 4,679 |
| Net loans and leases to deposits | 75.9421% | 5,597 |
| Net loans and leases to core deposits | 86.5496% | 6,096 |
| Total domestic deposits to total assets | 87.9705% | 1,483 |
| Equity capital to assets | 10.2598% | 3,747 |
| Core capital (leverage) ratio | 8.6784% | 5,238 |
| Tier 1 risk-based capital ratio | 13.5701% | 3,775 |
| Total risk-based capital ratio | 14.8369% | 3,676 |
| Memoranda: | ||
| Average total assets | $58,220,600 | 6,443 |
| Average earning assets | $52,168,800 | 6,498 |
| Average equity | $5,032,200 | 7,135 |
| Average total loans | $41,262,000 | 6,109 |