Home > Bank of Dixon County > Performance and Condition Ratios
Bank of Dixon 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 | 5.1786% | 1,711 |
| Cost of funding earning assets | 1.4465% | 2,084 |
| Net interest margin | 3.7321% | 1,692 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.0680% | 3,479 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.1532% | 1,774 |
| Return on assets (ROA) | 1.1532% | 1,743 |
| Pretax return on assets | 1.4511% | 1,532 |
| Return on Equity (ROE) | 10.7000% | 2,304 |
| Retained earnings to average equity (ytd only) | 7.6824% | 1,638 |
| Net charge-offs to loans | 0.2662% | 403 |
| Credit loss provision to net charge-offs | 156.6820% | 1,433 |
| Earnings coverage of net charge-offs (x) | 9.7834% | 2,274 |
| Efficiency ratio | 54.4811% | 3,641 |
| Assets per employee ($millions) | 7.2797% | 1,874 |
| Cash dividends to net income (ytd only)* | 28.2287% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,336 |
| Loan loss allowance to noncurrent loans | 36.5026% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 2.6431% | 87 |
| Noncurrent loans to loans | 3.8741% | 89 |
| Net loans and leases to total assets | 67.2600% | 2,122 |
| Net loans and leases to deposits | 76.7788% | 2,372 |
| Net loans and leases to core deposits | 82.2650% | 2,568 |
| Total domestic deposits to total assets | 87.6000% | 1,487 |
| Equity capital to assets | 11.2884% | 1,372 |
| Core capital (leverage) ratio | 12.6548% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2952% | 665 |
| Memoranda: | ||
| Average total assets | $122,872,400 | 3,622 |
| Average earning assets | $116,073,400 | 3,583 |
| Average equity | $13,238,000 | 3,403 |
| Average total loans | $81,505,000 | 3,386 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 1,443 |
| Cost of funding earning assets | 1.3504% | 2,002 |
| Net interest margin | 3.8546% | 1,487 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.0980% | 3,360 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.4023% | 1,312 |
| Return on assets (ROA) | 1.4023% | 1,301 |
| Pretax return on assets | 1.7763% | 1,038 |
| Return on Equity (ROE) | 13.1700% | 1,868 |
| Retained earnings to average equity (ytd only) | 11.1321% | 1,141 |
| Net charge-offs to loans | 0.0314% | 1,453 |
| Credit loss provision to net charge-offs | 205.2632% | 1,100 |
| Earnings coverage of net charge-offs (x) | 88.0526% | 988 |
| Efficiency ratio | 53.5665% | 3,620 |
| Assets per employee ($millions) | 7.0855% | 1,889 |
| Cash dividends to net income (ytd only)* | 15.5039% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 1,882 |
| Loan loss allowance to noncurrent loans | 138.8041% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 874 |
| Noncurrent loans to loans | 0.9333% | 882 |
| Net loans and leases to total assets | 69.0100% | 1,943 |
| Net loans and leases to deposits | 78.5385% | 2,200 |
| Net loans and leases to core deposits | 83.3780% | 2,366 |
| Total domestic deposits to total assets | 87.8600% | 1,622 |
| Equity capital to assets | 11.0316% | 1,333 |
| Core capital (leverage) ratio | 12.6879% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6014% | 651 |
| Memoranda: | ||
| Average total assets | $122,651,750 | 3,637 |
| Average earning assets | $116,014,250 | 3,598 |
| Average equity | $13,055,000 | 3,414 |
| Average total loans | $80,773,000 | 3,404 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0669% | 1,422 |
| Cost of funding earning assets | 1.2376% | 1,888 |
| Net interest margin | 3.8293% | 1,565 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0537% | 3,454 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4297% | 1,259 |
| Return on assets (ROA) | 1.4297% | 1,241 |
| Pretax return on assets | 1.7960% | 1,016 |
| Return on Equity (ROE) | 13.5900% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.5106% | 1,275 |
| Net charge-offs to loans | -0.0050% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.0570% | 3,690 |
| Assets per employee ($millions) | 7.2512% | 1,748 |
| Cash dividends to net income (ytd only)* | 22.6757% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 1,873 |
| Loan loss allowance to noncurrent loans | 279.1774% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 1,655 |
| Noncurrent loans to loans | 0.4707% | 1,537 |
| Net loans and leases to total assets | 66.1600% | 2,141 |
| Net loans and leases to deposits | 75.0345% | 2,403 |
| Net loans and leases to core deposits | 78.7299% | 2,566 |
| Total domestic deposits to total assets | 88.1800% | 1,539 |
| Equity capital to assets | 10.7731% | 1,472 |
| Core capital (leverage) ratio | 12.0150% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3414% | 681 |
| Memoranda: | ||
| Average total assets | $123,384,333 | 3,641 |
| Average earning assets | $116,678,000 | 3,601 |
| Average equity | $12,977,333 | 3,436 |
| Average total loans | $79,626,333 | 3,421 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 1,476 |
| Cost of funding earning assets | 1.0763% | 1,821 |
| Net interest margin | 3.7894% | 1,712 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.2391% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2476% | 1,800 |
| Return on assets (ROA) | 1.2476% | 1,775 |
| Pretax return on assets | 1.5684% | 1,536 |
| Return on Equity (ROE) | 12.0100% | 2,217 |
| Retained earnings to average equity (ytd only) | 12.0069% | 1,268 |
| Net charge-offs to loans | -0.0051% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.8085% | 3,091 |
| Assets per employee ($millions) | 7.3860% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,648 |
| Loan loss allowance to noncurrent loans | 1,093.8776% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,017 |
| Noncurrent loans to loans | 0.1273% | 2,876 |
| Net loans and leases to total assets | 60.4500% | 2,599 |
| Net loans and leases to deposits | 68.3625% | 2,742 |
| Net loans and leases to core deposits | 71.8624% | 2,827 |
| Total domestic deposits to total assets | 88.4200% | 1,769 |
| Equity capital to assets | 10.5040% | 1,557 |
| Core capital (leverage) ratio | 11.8585% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2981% | 630 |
| Memoranda: | ||
| Average total assets | $123,441,500 | 3,690 |
| Average earning assets | $116,326,000 | 3,655 |
| Average equity | $12,826,000 | 3,496 |
| Average total loans | $78,116,000 | 3,479 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 1,252 |
| Cost of funding earning assets | 0.6782% | 648 |
| Net interest margin | 3.5205% | 1,866 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.0010% | 3,573 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.0206% | 2,494 |
| Return on assets (ROA) | 1.0206% | 2,438 |
| Pretax return on assets | 1.2809% | 2,156 |
| Return on Equity (ROE) | 10.0300% | 2,796 |
| Retained earnings to average equity (ytd only) | 6.7186% | 2,359 |
| Net charge-offs to loans | 0.0603% | 1,044 |
| Credit loss provision to net charge-offs | 654.3478% | 563 |
| Earnings coverage of net charge-offs (x) | 40.4565% | 1,504 |
| Efficiency ratio | 56.7008% | 3,501 |
| Assets per employee ($millions) | 6.7401% | 2,160 |
| Cash dividends to net income (ytd only)* | 32.9847% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 1,700 |
| Loan loss allowance to noncurrent loans | 821.5385% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 2,776 |
| Noncurrent loans to loans | 0.1640% | 2,666 |
| Net loans and leases to total assets | 64.4500% | 2,201 |
| Net loans and leases to deposits | 72.6290% | 2,358 |
| Net loans and leases to core deposits | 76.6477% | 2,377 |
| Total domestic deposits to total assets | 88.7400% | 1,801 |
| Equity capital to assets | 10.2727% | 1,570 |
| Core capital (leverage) ratio | 11.8527% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0256% | 714 |
| Memoranda: | ||
| Average total assets | $121,787,000 | 3,707 |
| Average earning assets | $115,013,000 | 3,675 |
| Average equity | $12,398,400 | 3,632 |
| Average total loans | $76,235,200 | 3,467 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 1,213 |
| Cost of funding earning assets | 0.6204% | 391 |
| Net interest margin | 3.4062% | 1,955 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.9851% | 3,517 |
| Loan and lease loss provision to assets | 0.3300% | 200 |
| Net operating income to assets | 0.8870% | 2,932 |
| Return on assets (ROA) | 0.8870% | 2,899 |
| Pretax return on assets | 1.0795% | 2,781 |
| Return on Equity (ROE) | 8.7300% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.5791% | 2,529 |
| Net charge-offs to loans | 0.0406% | 1,085 |
| Credit loss provision to net charge-offs | 1,308.6957% | 335 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 1,225 |
| Efficiency ratio | 58.4918% | 3,323 |
| Assets per employee ($millions) | 7.0989% | 1,879 |
| Cash dividends to net income (ytd only)* | 24.6609% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,747 |
| Loan loss allowance to noncurrent loans | 500.4587% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 2,388 |
| Noncurrent loans to loans | 0.2723% | 2,284 |
| Net loans and leases to total assets | 65.4300% | 1,940 |
| Net loans and leases to deposits | 73.2282% | 2,109 |
| Net loans and leases to core deposits | 76.7710% | 2,135 |
| Total domestic deposits to total assets | 89.3500% | 1,940 |
| Equity capital to assets | 9.7356% | 1,754 |
| Core capital (leverage) ratio | 11.4633% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4662% | 794 |
| Memoranda: | ||
| Average total assets | $121,903,500 | 3,735 |
| Average earning assets | $115,198,000 | 3,704 |
| Average equity | $12,382,250 | 3,671 |
| Average total loans | $75,478,000 | 3,487 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 1,301 |
| Cost of funding earning assets | 0.5939% | 287 |
| Net interest margin | 3.2116% | 2,148 |
| Noninterest income to average assets | 0.1226% | 4,384 |
| Noninterest expense to average assets | 2.0064% | 3,414 |
| Loan and lease loss provision to assets | 0.4906% | 109 |
| Net operating income to assets | 0.5478% | 3,770 |
| Return on assets (ROA) | 0.5478% | 3,722 |
| Pretax return on assets | 0.6590% | 3,689 |
| Return on Equity (ROE) | 5.3203% | 3,749 |
| Retained earnings to average equity (ytd only) | 2.1440% | 3,713 |
| Net charge-offs to loans | 0.1406% | 465 |
| Credit loss provision to net charge-offs | 576.9231% | 589 |
| Earnings coverage of net charge-offs (x) | 13.5192% | 1,687 |
| Efficiency ratio | 63.5751% | 2,831 |
| Assets per employee ($millions) | 7.1820% | 1,821 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 1,748 |
| Loan loss allowance to noncurrent loans | 132.4594% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 836 |
| Noncurrent loans to loans | 1.0567% | 785 |
| Net loans and leases to total assets | 61.2151% | 2,198 |
| Net loans and leases to deposits | 68.4978% | 2,346 |
| Net loans and leases to core deposits | 71.7619% | 2,365 |
| Total domestic deposits to total assets | 89.3680% | 2,015 |
| Equity capital to assets | 9.7179% | 1,866 |
| Core capital (leverage) ratio | 11.0395% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6865% | 756 |
| Memoranda: | ||
| Average total assets | $122,311,000 | 3,777 |
| Average earning assets | $115,517,000 | 3,756 |
| Average equity | $12,593,333 | 3,724 |
| Average total loans | $73,954,000 | 3,552 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 1,555 |
| Cost of funding earning assets | 0.5812% | 294 |
| Net interest margin | 3.0026% | 2,495 |
| Noninterest income to average assets | 0.0131% | 4,736 |
| Noninterest expense to average assets | 2.1500% | 2,983 |
| Loan and lease loss provision to assets | 0.4901% | 100 |
| Net operating income to assets | 0.2026% | 4,331 |
| Return on assets (ROA) | 0.2026% | 4,298 |
| Pretax return on assets | 0.2091% | 4,318 |
| Return on Equity (ROE) | 1.9139% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.9139% | 3,569 |
| Net charge-offs to loans | 0.1588% | 372 |
| Credit loss provision to net charge-offs | 517.2414% | 503 |
| Earnings coverage of net charge-offs (x) | 7.3793% | 1,541 |
| Efficiency ratio | 75.4587% | 1,587 |
| Assets per employee ($millions) | 7.2820% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,557 |
| Loan loss allowance to noncurrent loans | 136.1516% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 965 |
| Noncurrent loans to loans | 0.9243% | 988 |
| Net loans and leases to total assets | 59.1959% | 2,164 |
| Net loans and leases to deposits | 66.4783% | 2,297 |
| Net loans and leases to core deposits | 69.2742% | 2,353 |
| Total domestic deposits to total assets | 89.0455% | 2,059 |
| Equity capital to assets | 10.0271% | 1,868 |
| Core capital (leverage) ratio | 10.9211% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8472% | 780 |
| Memoranda: | ||
| Average total assets | $122,419,500 | 3,793 |
| Average earning assets | $115,632,000 | 3,773 |
| Average equity | $12,957,500 | 3,761 |
| Average total loans | $73,030,500 | 3,572 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 650 |
| Cost of funding earning assets | 0.6711% | 368 |
| Net interest margin | 3.7782% | 1,055 |
| Noninterest income to average assets | 0.2367% | 3,961 |
| Noninterest expense to average assets | 2.0920% | 3,407 |
| Loan and lease loss provision to assets | 0.1951% | 563 |
| Net operating income to assets | 1.1877% | 1,962 |
| Return on assets (ROA) | 1.1877% | 2,029 |
| Pretax return on assets | 1.4981% | 1,734 |
| Return on Equity (ROE) | 10.4454% | 2,371 |
| Retained earnings to average equity (ytd only) | 7.5863% | 1,695 |
| Net charge-offs to loans | 0.3105% | 273 |
| Credit loss provision to net charge-offs | 99.1189% | 1,823 |
| Earnings coverage of net charge-offs (x) | 8.6035% | 2,292 |
| Efficiency ratio | 55.2680% | 3,790 |
| Assets per employee ($millions) | 6.7247% | 2,136 |
| Cash dividends to net income (ytd only)* | 27.3723% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,220 |
| Loan loss allowance to noncurrent loans | 240.5325% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 1,622 |
| Noncurrent loans to loans | 0.4705% | 1,954 |
| Net loans and leases to total assets | 58.6831% | 2,308 |
| Net loans and leases to deposits | 66.9239% | 2,417 |
| Net loans and leases to core deposits | 69.8429% | 2,462 |
| Total domestic deposits to total assets | 87.6864% | 2,205 |
| Equity capital to assets | 11.1545% | 1,699 |
| Core capital (leverage) ratio | 11.2834% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0668% | 747 |
| Memoranda: | ||
| Average total assets | $115,345,000 | 3,848 |
| Average earning assets | $108,331,600 | 3,828 |
| Average equity | $13,115,800 | 3,819 |
| Average total loans | $73,114,800 | 3,599 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 516 |
| Cost of funding earning assets | 0.6863% | 409 |
| Net interest margin | 3.9755% | 829 |
| Noninterest income to average assets | 0.2505% | 3,892 |
| Noninterest expense to average assets | 2.1594% | 3,195 |
| Loan and lease loss provision to assets | 0.2633% | 333 |
| Net operating income to assets | 1.2324% | 2,054 |
| Return on assets (ROA) | 1.2324% | 2,116 |
| Pretax return on assets | 1.5636% | 1,812 |
| Return on Equity (ROE) | 10.7838% | 2,449 |
| Retained earnings to average equity (ytd only) | 8.9916% | 1,697 |
| Net charge-offs to loans | 0.4158% | 185 |
| Credit loss provision to net charge-offs | 98.2533% | 1,618 |
| Earnings coverage of net charge-offs (x) | 6.8166% | 2,162 |
| Efficiency ratio | 54.1691% | 3,787 |
| Assets per employee ($millions) | 6.1502% | 2,548 |
| Cash dividends to net income (ytd only)* | 16.6192% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,399 |
| Loan loss allowance to noncurrent loans | 3,861.9048% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 3,040 |
| Noncurrent loans to loans | 0.0287% | 3,992 |
| Net loans and leases to total assets | 61.8746% | 2,019 |
| Net loans and leases to deposits | 70.8950% | 2,155 |
| Net loans and leases to core deposits | 74.0749% | 2,235 |
| Total domestic deposits to total assets | 87.2764% | 2,228 |
| Equity capital to assets | 11.5067% | 1,671 |
| Core capital (leverage) ratio | 11.5578% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8917% | 831 |
| Memoranda: | ||
| Average total assets | $113,920,000 | 3,905 |
| Average earning assets | $107,051,750 | 3,881 |
| Average equity | $13,019,250 | 3,880 |
| Average total loans | $73,432,000 | 3,642 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 401 |
| Cost of funding earning assets | 0.6987% | 468 |
| Net interest margin | 4.2074% | 576 |
| Noninterest income to average assets | 0.2461% | 3,924 |
| Noninterest expense to average assets | 2.1356% | 3,281 |
| Loan and lease loss provision to assets | 0.3984% | 159 |
| Net operating income to assets | 1.3139% | 1,822 |
| Return on assets (ROA) | 1.3139% | 1,891 |
| Pretax return on assets | 1.6681% | 1,565 |
| Return on Equity (ROE) | 11.5244% | 2,222 |
| Retained earnings to average equity (ytd only) | 8.8064% | 1,776 |
| Net charge-offs to loans | 0.6010% | 129 |
| Credit loss provision to net charge-offs | 101.8100% | 1,349 |
| Earnings coverage of net charge-offs (x) | 5.2805% | 2,004 |
| Efficiency ratio | 50.8217% | 4,162 |
| Assets per employee ($millions) | 6.1497% | 2,482 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,445 |
| Loan loss allowance to noncurrent loans | 388.1517% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 2,301 |
| Noncurrent loans to loans | 0.2817% | 2,928 |
| Net loans and leases to total assets | 63.4019% | 2,026 |
| Net loans and leases to deposits | 72.4398% | 2,170 |
| Net loans and leases to core deposits | 75.6695% | 2,269 |
| Total domestic deposits to total assets | 87.5236% | 2,084 |
| Equity capital to assets | 11.2448% | 1,795 |
| Core capital (leverage) ratio | 11.2538% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5228% | 886 |
| Memoranda: | ||
| Average total assets | $112,942,000 | 3,936 |
| Average earning assets | $106,194,333 | 3,912 |
| Average equity | $12,877,000 | 3,900 |
| Average total loans | $73,538,000 | 3,661 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5889% | 179 |
| Cost of funding earning assets | 0.7260% | 499 |
| Net interest margin | 4.8629% | 224 |
| Noninterest income to average assets | 0.2595% | 3,845 |
| Noninterest expense to average assets | 2.3029% | 2,781 |
| Loan and lease loss provision to assets | 0.7208% | 72 |
| Net operating income to assets | 1.4488% | 1,448 |
| Return on assets (ROA) | 1.4488% | 1,514 |
| Pretax return on assets | 1.7984% | 1,291 |
| Return on Equity (ROE) | 12.6157% | 1,780 |
| Retained earnings to average equity (ytd only) | 12.6157% | 995 |
| Net charge-offs to loans | 1.2298% | 58 |
| Credit loss provision to net charge-offs | 89.2857% | 1,171 |
| Earnings coverage of net charge-offs (x) | 3.1205% | 1,779 |
| Efficiency ratio | 47.7578% | 4,356 |
| Assets per employee ($millions) | 5.9653% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,609 |
| Loan loss allowance to noncurrent loans | 380.2885% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 2,471 |
| Noncurrent loans to loans | 0.2792% | 3,098 |
| Net loans and leases to total assets | 65.0291% | 1,919 |
| Net loans and leases to deposits | 74.4793% | 2,072 |
| Net loans and leases to core deposits | 77.9021% | 2,196 |
| Total domestic deposits to total assets | 87.3116% | 2,176 |
| Equity capital to assets | 11.3790% | 1,616 |
| Core capital (leverage) ratio | 11.6305% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4871% | 854 |
| Memoranda: | ||
| Average total assets | $110,990,500 | 3,964 |
| Average earning assets | $104,135,000 | 3,933 |
| Average equity | $12,746,000 | 3,922 |
| Average total loans | $72,856,500 | 3,689 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8154% | 715 |
| Cost of funding earning assets | 0.9635% | 683 |
| Net interest margin | 3.8519% | 1,348 |
| Noninterest income to average assets | 0.2667% | 3,884 |
| Noninterest expense to average assets | 2.1981% | 3,668 |
| Loan and lease loss provision to assets | 0.2243% | 1,741 |
| Net operating income to assets | 1.1490% | 1,728 |
| Return on assets (ROA) | 1.1490% | 1,853 |
| Pretax return on assets | 1.4542% | 1,493 |
| Return on Equity (ROE) | 9.5110% | 2,192 |
| Retained earnings to average equity (ytd only) | 6.5914% | 1,549 |
| Net charge-offs to loans | 0.2671% | 646 |
| Credit loss provision to net charge-offs | 118.2292% | 2,649 |
| Earnings coverage of net charge-offs (x) | 8.8490% | 2,564 |
| Efficiency ratio | 56.7023% | 3,895 |
| Assets per employee ($millions) | 5.7179% | 2,604 |
| Cash dividends to net income (ytd only)* | 30.6965% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,243 |
| Loan loss allowance to noncurrent loans | 363.3929% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 2,535 |
| Noncurrent loans to loans | 0.3145% | 3,072 |
| Net loans and leases to total assets | 64.8043% | 2,254 |
| Net loans and leases to deposits | 74.4913% | 2,437 |
| Net loans and leases to core deposits | 77.6418% | 2,583 |
| Total domestic deposits to total assets | 86.9957% | 1,952 |
| Equity capital to assets | 11.5932% | 1,816 |
| Core capital (leverage) ratio | 11.7763% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3658% | 851 |
| Memoranda: | ||
| Average total assets | $101,222,000 | 3,980 |
| Average earning assets | $94,861,400 | 3,961 |
| Average equity | $12,228,000 | 3,952 |
| Average total loans | $71,881,200 | 3,689 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 655 |
| Cost of funding earning assets | 1.0022% | 757 |
| Net interest margin | 3.9546% | 1,224 |
| Noninterest income to average assets | 0.2657% | 3,874 |
| Noninterest expense to average assets | 2.2542% | 3,545 |
| Loan and lease loss provision to assets | 0.2707% | 1,497 |
| Net operating income to assets | 1.1808% | 1,707 |
| Return on assets (ROA) | 1.1808% | 1,825 |
| Pretax return on assets | 1.4572% | 1,554 |
| Return on Equity (ROE) | 9.6678% | 2,144 |
| Retained earnings to average equity (ytd only) | 7.7452% | 1,396 |
| Net charge-offs to loans | 0.2628% | 586 |
| Credit loss provision to net charge-offs | 142.2535% | 2,371 |
| Earnings coverage of net charge-offs (x) | 9.0704% | 2,453 |
| Efficiency ratio | 56.6038% | 3,845 |
| Assets per employee ($millions) | 5.4651% | 2,742 |
| Cash dividends to net income (ytd only)* | 19.8864% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 2,941 |
| Loan loss allowance to noncurrent loans | 273.2899% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 2,354 |
| Noncurrent loans to loans | 0.4206% | 2,800 |
| Net loans and leases to total assets | 69.4781% | 2,029 |
| Net loans and leases to deposits | 80.3019% | 2,284 |
| Net loans and leases to core deposits | 83.8650% | 2,489 |
| Total domestic deposits to total assets | 86.5212% | 1,852 |
| Equity capital to assets | 12.0265% | 1,660 |
| Core capital (leverage) ratio | 11.9778% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3441% | 866 |
| Memoranda: | ||
| Average total assets | $99,367,250 | 4,002 |
| Average earning assets | $93,391,500 | 3,979 |
| Average equity | $12,136,250 | 3,964 |
| Average total loans | $72,047,000 | 3,703 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 806 |
| Cost of funding earning assets | 1.0395% | 874 |
| Net interest margin | 3.9715% | 1,399 |
| Noninterest income to average assets | 0.2656% | 3,882 |
| Noninterest expense to average assets | 2.2028% | 3,778 |
| Loan and lease loss provision to assets | 0.1573% | 2,422 |
| Net operating income to assets | 1.4467% | 1,025 |
| Return on assets (ROA) | 1.4467% | 1,115 |
| Pretax return on assets | 1.6449% | 1,117 |
| Return on Equity (ROE) | 11.7813% | 1,394 |
| Retained earnings to average equity (ytd only) | 8.8693% | 1,043 |
| Net charge-offs to loans | 0.0446% | 1,857 |
| Credit loss provision to net charge-offs | 481.2500% | 1,265 |
| Earnings coverage of net charge-offs (x) | 55.1250% | 1,028 |
| Efficiency ratio | 55.0000% | 4,061 |
| Assets per employee ($millions) | 5.3199% | 2,820 |
| Cash dividends to net income (ytd only)* | 24.7175% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 2,865 |
| Loan loss allowance to noncurrent loans | 222.8117% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 2,197 |
| Noncurrent loans to loans | 0.5084% | 2,625 |
| Net loans and leases to total assets | 72.5272% | 1,619 |
| Net loans and leases to deposits | 83.9881% | 2,000 |
| Net loans and leases to core deposits | 87.8141% | 2,261 |
| Total domestic deposits to total assets | 86.3541% | 1,865 |
| Equity capital to assets | 12.1668% | 1,555 |
| Core capital (leverage) ratio | 12.1922% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8750% | 923 |
| Memoranda: | ||
| Average total assets | $97,877,333 | 4,023 |
| Average earning assets | $92,157,000 | 3,996 |
| Average equity | $12,019,000 | 3,983 |
| Average total loans | $71,735,000 | 3,721 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 1,284 |
| Cost of funding earning assets | 1.0664% | 1,161 |
| Net interest margin | 3.7940% | 1,999 |
| Noninterest income to average assets | 0.2991% | 3,722 |
| Noninterest expense to average assets | 2.3432% | 3,672 |
| Loan and lease loss provision to assets | 0.2077% | 1,476 |
| Net operating income to assets | 1.1841% | 1,569 |
| Return on assets (ROA) | 1.1841% | 1,686 |
| Pretax return on assets | 1.3253% | 1,796 |
| Return on Equity (ROE) | 9.5964% | 1,878 |
| Retained earnings to average equity (ytd only) | 9.5964% | 825 |
| Net charge-offs to loans | 0.0794% | 1,229 |
| Credit loss provision to net charge-offs | 357.1429% | 1,070 |
| Earnings coverage of net charge-offs (x) | 26.3571% | 1,256 |
| Efficiency ratio | 60.4502% | 3,681 |
| Assets per employee ($millions) | 5.1738% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 3,028 |
| Loan loss allowance to noncurrent loans | 377.3148% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 2,883 |
| Noncurrent loans to loans | 0.3002% | 3,426 |
| Net loans and leases to total assets | 72.3597% | 1,863 |
| Net loans and leases to deposits | 83.9433% | 2,234 |
| Net loans and leases to core deposits | 87.3298% | 2,575 |
| Total domestic deposits to total assets | 86.2007% | 1,922 |
| Equity capital to assets | 12.2429% | 1,891 |
| Core capital (leverage) ratio | 12.2739% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7934% | 1,012 |
| Memoranda: | ||
| Average total assets | $96,277,000 | 4,044 |
| Average earning assets | $90,774,500 | 4,011 |
| Average equity | $11,879,500 | 4,011 |
| Average total loans | $70,528,000 | 3,751 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 1,387 |
| Cost of funding earning assets | 1.0319% | 1,590 |
| Net interest margin | 4.0023% | 1,854 |
| Noninterest income to average assets | 0.3202% | 3,775 |
| Noninterest expense to average assets | 2.3697% | 3,773 |
| Loan and lease loss provision to assets | 0.0248% | 3,525 |
| Net operating income to assets | 1.4026% | 1,335 |
| Return on assets (ROA) | 1.4026% | 1,409 |
| Pretax return on assets | 1.7142% | 1,156 |
| Return on Equity (ROE) | 11.5747% | 1,660 |
| Retained earnings to average equity (ytd only) | 8.3719% | 867 |
| Net charge-offs to loans | -0.0924% | 4,943 |
| Credit loss provision to net charge-offs | -35.9375% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6752% | 4,016 |
| Assets per employee ($millions) | 4.9606% | 2,652 |
| Cash dividends to net income (ytd only)* | 27.6710% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,796 |
| Loan loss allowance to noncurrent loans | 319.2623% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 2,649 |
| Noncurrent loans to loans | 0.3531% | 3,184 |
| Net loans and leases to total assets | 72.4982% | 2,011 |
| Net loans and leases to deposits | 83.2767% | 2,413 |
| Net loans and leases to core deposits | 86.4610% | 2,757 |
| Total domestic deposits to total assets | 87.0570% | 1,575 |
| Equity capital to assets | 12.4390% | 1,859 |
| Core capital (leverage) ratio | 12.4688% | 1,504 |
| Tier 1 risk-based capital ratio | 18.0160% | 1,753 |
| Total risk-based capital ratio | 19.2169% | 1,720 |
| Memoranda: | ||
| Average total assets | $92,754,200 | 4,100 |
| Average earning assets | $87,799,800 | 4,067 |
| Average equity | $11,240,000 | 4,087 |
| Average total loans | $69,250,400 | 3,791 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 1,496 |
| Cost of funding earning assets | 1.0065% | 1,733 |
| Net interest margin | 4.0078% | 1,909 |
| Noninterest income to average assets | 0.3132% | 3,873 |
| Noninterest expense to average assets | 2.2645% | 4,036 |
| Loan and lease loss provision to assets | 0.0332% | 3,245 |
| Net operating income to assets | 1.3307% | 1,724 |
| Return on assets (ROA) | 1.3307% | 1,793 |
| Pretax return on assets | 1.8200% | 1,036 |
| Return on Equity (ROE) | 11.0559% | 1,998 |
| Retained earnings to average equity (ytd only) | 8.9575% | 1,060 |
| Net charge-offs to loans | -0.1193% | 5,020 |
| Credit loss provision to net charge-offs | -37.0968% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9947% | 4,285 |
| Assets per employee ($millions) | 5.0359% | 2,514 |
| Cash dividends to net income (ytd only)* | 18.9807% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 2,986 |
| Loan loss allowance to noncurrent loans | 202.3438% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 2,172 |
| Noncurrent loans to loans | 0.5477% | 2,655 |
| Net loans and leases to total assets | 76.4932% | 1,398 |
| Net loans and leases to deposits | 88.2713% | 1,897 |
| Net loans and leases to core deposits | 91.7837% | 2,390 |
| Total domestic deposits to total assets | 86.6569% | 1,707 |
| Equity capital to assets | 12.7132% | 1,777 |
| Core capital (leverage) ratio | 12.5563% | 1,543 |
| Tier 1 risk-based capital ratio | 17.4646% | 1,952 |
| Total risk-based capital ratio | 18.6453% | 1,934 |
| Memoranda: | ||
| Average total assets | $92,379,750 | 4,158 |
| Average earning assets | $87,694,250 | 4,122 |
| Average equity | $11,119,000 | 4,145 |
| Average total loans | $69,285,500 | 3,831 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 1,557 |
| Cost of funding earning assets | 0.9658% | 1,840 |
| Net interest margin | 4.0062% | 1,902 |
| Noninterest income to average assets | 0.2926% | 3,982 |
| Noninterest expense to average assets | 2.2763% | 4,068 |
| Loan and lease loss provision to assets | 0.0323% | 3,187 |
| Net operating income to assets | 1.4157% | 1,388 |
| Return on assets (ROA) | 1.4157% | 1,442 |
| Pretax return on assets | 1.7858% | 1,074 |
| Return on Equity (ROE) | 11.9811% | 1,583 |
| Retained earnings to average equity (ytd only) | 8.7946% | 1,095 |
| Net charge-offs to loans | -0.1826% | 5,119 |
| Credit loss provision to net charge-offs | -23.8095% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5964% | 4,292 |
| Assets per employee ($millions) | 5.0745% | 2,382 |
| Cash dividends to net income (ytd only)* | 26.5957% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,144 |
| Loan loss allowance to noncurrent loans | 173.4234% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 2,047 |
| Noncurrent loans to loans | 0.6259% | 2,380 |
| Net loans and leases to total assets | 76.8187% | 1,414 |
| Net loans and leases to deposits | 88.1262% | 1,995 |
| Net loans and leases to core deposits | 91.2730% | 2,480 |
| Total domestic deposits to total assets | 87.1690% | 1,510 |
| Equity capital to assets | 12.3220% | 1,964 |
| Core capital (leverage) ratio | 12.0317% | 1,806 |
| Tier 1 risk-based capital ratio | 16.8669% | 2,129 |
| Total risk-based capital ratio | 18.0234% | 2,095 |
| Memoranda: | ||
| Average total assets | $92,957,670 | 4,176 |
| Average earning assets | $88,213,000 | 4,143 |
| Average equity | $10,984,000 | 4,175 |
| Average total loans | $69,009,000 | 3,856 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 1,555 |
| Cost of funding earning assets | 0.9065% | 1,968 |
| Net interest margin | 4.0093% | 1,828 |
| Noninterest income to average assets | 0.3029% | 3,856 |
| Noninterest expense to average assets | 2.4188% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3267% | 1,605 |
| Return on assets (ROA) | 1.3267% | 1,647 |
| Pretax return on assets | 1.6765% | 1,268 |
| Return on Equity (ROE) | 11.4670% | 1,753 |
| Retained earnings to average equity (ytd only) | 11.4670% | 710 |
| Net charge-offs to loans | -0.3997% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0625% | 3,943 |
| Assets per employee ($millions) | 5.4913% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,069 |
| Loan loss allowance to noncurrent loans | 324.7863% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 2,832 |
| Noncurrent loans to loans | 0.3417% | 3,354 |
| Net loans and leases to total assets | 72.5394% | 2,071 |
| Net loans and leases to deposits | 82.7128% | 2,536 |
| Net loans and leases to core deposits | 85.5650% | 2,902 |
| Total domestic deposits to total assets | 87.7003% | 1,480 |
| Equity capital to assets | 11.8230% | 2,139 |
| Core capital (leverage) ratio | 11.8133% | 1,896 |
| Tier 1 risk-based capital ratio | 17.1087% | 2,078 |
| Total risk-based capital ratio | 18.2846% | 2,042 |
| Memoranda: | ||
| Average total assets | $93,766,000 | 4,203 |
| Average earning assets | $88,694,500 | 4,170 |
| Average equity | $10,848,500 | 4,220 |
| Average total loans | $68,045,000 | 3,917 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 2,319 |
| Cost of funding earning assets | 0.6861% | 2,172 |
| Net interest margin | 3.8581% | 2,473 |
| Noninterest income to average assets | 0.3501% | 3,764 |
| Noninterest expense to average assets | 2.2354% | 4,260 |
| Loan and lease loss provision to assets | 0.2163% | 839 |
| Net operating income to assets | 1.2629% | 1,936 |
| Return on assets (ROA) | 1.2612% | 1,937 |
| Pretax return on assets | 1.5684% | 1,555 |
| Return on Equity (ROE) | 11.4882% | 1,902 |
| Retained earnings to average equity (ytd only) | 7.9774% | 1,245 |
| Net charge-offs to loans | 0.1859% | 1,031 |
| Credit loss provision to net charge-offs | 166.9421% | 1,661 |
| Earnings coverage of net charge-offs (x) | 13.7934% | 2,422 |
| Efficiency ratio | 55.5763% | 4,463 |
| Assets per employee ($millions) | 5.2322% | 2,224 |
| Cash dividends to net income (ytd only)* | 30.5603% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,537 |
| Loan loss allowance to noncurrent loans | 86.5000% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.0374% | 1,314 |
| Noncurrent loans to loans | 1.1832% | 1,357 |
| Net loans and leases to total assets | 71.0565% | 2,412 |
| Net loans and leases to deposits | 80.4794% | 2,899 |
| Net loans and leases to core deposits | 82.6879% | 3,205 |
| Total domestic deposits to total assets | 88.2916% | 1,162 |
| Equity capital to assets | 11.3188% | 2,398 |
| Core capital (leverage) ratio | 11.6478% | 1,994 |
| Tier 1 risk-based capital ratio | 16.8739% | 2,108 |
| Total risk-based capital ratio | 17.9606% | 2,113 |
| Memoranda: | ||
| Average total assets | $93,406,000 | 4,210 |
| Average earning assets | $88,904,400 | 4,168 |
| Average equity | $10,254,000 | 4,274 |
| Average total loans | $65,082,800 | 3,984 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 2,453 |
| Cost of funding earning assets | 0.6527% | 2,138 |
| Net interest margin | 3.8009% | 2,642 |
| Noninterest income to average assets | 0.3776% | 3,617 |
| Noninterest expense to average assets | 2.1384% | 4,460 |
| Loan and lease loss provision to assets | 0.2174% | 766 |
| Net operating income to assets | 1.1809% | 2,314 |
| Return on assets (ROA) | 1.1786% | 2,329 |
| Pretax return on assets | 1.6421% | 1,440 |
| Return on Equity (ROE) | 10.8214% | 2,251 |
| Retained earnings to average equity (ytd only) | 8.5231% | 1,408 |
| Net charge-offs to loans | 0.2338% | 730 |
| Credit loss provision to net charge-offs | 134.5133% | 1,850 |
| Earnings coverage of net charge-offs (x) | 11.5224% | 2,506 |
| Efficiency ratio | 53.4501% | 4,663 |
| Assets per employee ($millions) | 5.3606% | 2,070 |
| Cash dividends to net income (ytd only)* | 21.2381% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,954 |
| Loan loss allowance to noncurrent loans | 80.9227% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 1,219 |
| Noncurrent loans to loans | 1.1960% | 1,415 |
| Net loans and leases to total assets | 72.8717% | 2,193 |
| Net loans and leases to deposits | 82.7514% | 2,735 |
| Net loans and leases to core deposits | 84.4509% | 3,122 |
| Total domestic deposits to total assets | 88.0610% | 1,216 |
| Equity capital to assets | 11.4573% | 2,294 |
| Core capital (leverage) ratio | 11.5212% | 2,150 |
| Tier 1 risk-based capital ratio | 16.6174% | 2,237 |
| Total risk-based capital ratio | 17.6371% | 2,249 |
| Memoranda: | ||
| Average total assets | $93,212,500 | 4,258 |
| Average earning assets | $88,853,750 | 4,207 |
| Average equity | $10,152,500 | 4,325 |
| Average total loans | $64,450,250 | 4,032 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,601 |
| Cost of funding earning assets | 0.5998% | 2,228 |
| Net interest margin | 3.7461% | 2,764 |
| Noninterest income to average assets | 0.3557% | 3,787 |
| Noninterest expense to average assets | 2.1319% | 4,535 |
| Loan and lease loss provision to assets | 0.1597% | 1,168 |
| Net operating income to assets | 1.1747% | 2,301 |
| Return on assets (ROA) | 1.1714% | 2,308 |
| Pretax return on assets | 1.6378% | 1,383 |
| Return on Equity (ROE) | 10.9384% | 2,137 |
| Retained earnings to average equity (ytd only) | 7.4580% | 1,861 |
| Net charge-offs to loans | 0.2391% | 665 |
| Credit loss provision to net charge-offs | 98.6842% | 2,079 |
| Earnings coverage of net charge-offs (x) | 11.1316% | 2,292 |
| Efficiency ratio | 54.1960% | 4,672 |
| Assets per employee ($millions) | 5.4720% | 1,909 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9269% | 4,215 |
| Loan loss allowance to noncurrent loans | 73.1092% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 1,363 |
| Noncurrent loans to loans | 1.2678% | 1,350 |
| Net loans and leases to total assets | 69.9766% | 2,585 |
| Net loans and leases to deposits | 79.0237% | 3,049 |
| Net loans and leases to core deposits | 80.5950% | 3,365 |
| Total domestic deposits to total assets | 88.5513% | 1,122 |
| Equity capital to assets | 10.9950% | 2,647 |
| Core capital (leverage) ratio | 10.9370% | 2,572 |
| Tier 1 risk-based capital ratio | 16.5078% | 2,256 |
| Total risk-based capital ratio | 17.4835% | 2,298 |
| Memoranda: | ||
| Average total assets | $93,906,670 | 4,280 |
| Average earning assets | $89,694,330 | 4,229 |
| Average equity | $10,056,330 | 4,374 |
| Average total loans | $63,581,330 | 4,078 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,806 |
| Cost of funding earning assets | 0.5541% | 2,371 |
| Net interest margin | 3.6702% | 2,918 |
| Noninterest income to average assets | 0.2501% | 4,507 |
| Noninterest expense to average assets | 2.1283% | 4,589 |
| Loan and lease loss provision to assets | 0.3180% | 399 |
| Net operating income to assets | 0.9140% | 3,230 |
| Return on assets (ROA) | 0.9073% | 3,269 |
| Pretax return on assets | 1.3058% | 2,342 |
| Return on Equity (ROE) | 8.5853% | 3,113 |
| Retained earnings to average equity (ytd only) | 8.5853% | 1,621 |
| Net charge-offs to loans | 0.4031% | 387 |
| Credit loss provision to net charge-offs | 119.0476% | 1,384 |
| Earnings coverage of net charge-offs (x) | 6.1111% | 2,181 |
| Efficiency ratio | 56.5953% | 4,506 |
| Assets per employee ($millions) | 5.4595% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 4,115 |
| Loan loss allowance to noncurrent loans | 224.1007% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 2,894 |
| Noncurrent loans to loans | 0.4329% | 3,235 |
| Net loans and leases to total assets | 68.5177% | 2,694 |
| Net loans and leases to deposits | 77.2141% | 3,091 |
| Net loans and leases to core deposits | 78.6485% | 3,440 |
| Total domestic deposits to total assets | 88.7373% | 1,243 |
| Equity capital to assets | 10.8511% | 2,720 |
| Core capital (leverage) ratio | 11.0634% | 2,364 |
| Tier 1 risk-based capital ratio | 16.4862% | 2,276 |
| Total risk-based capital ratio | 17.4989% | 2,328 |
| Memoranda: | ||
| Average total assets | $94,348,000 | 4,315 |
| Average earning assets | $90,239,500 | 4,264 |
| Average equity | $9,970,500 | 4,432 |
| Average total loans | $62,520,000 | 4,140 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 3,453 |
| Cost of funding earning assets | 0.5005% | 2,332 |
| Net interest margin | 3.4845% | 3,574 |
| Noninterest income to average assets | 0.3168% | 4,200 |
| Noninterest expense to average assets | 2.1265% | 4,705 |
| Loan and lease loss provision to assets | 0.2508% | 744 |
| Net operating income to assets | 0.8908% | 2,769 |
| Return on assets (ROA) | 0.8908% | 2,794 |
| Pretax return on assets | 1.2735% | 2,453 |
| Return on Equity (ROE) | 8.4746% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.7721% | 2,276 |
| Net charge-offs to loans | 0.1190% | 1,855 |
| Credit loss provision to net charge-offs | 341.1765% | 853 |
| Earnings coverage of net charge-offs (x) | 20.7353% | 1,951 |
| Efficiency ratio | 58.2470% | 4,497 |
| Assets per employee ($millions) | 5.6403% | 1,802 |
| Cash dividends to net income (ytd only)* | 43.6893% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,922 |
| Loan loss allowance to noncurrent loans | 158.0311% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 2,596 |
| Noncurrent loans to loans | 0.6346% | 2,632 |
| Net loans and leases to total assets | 62.7992% | 3,513 |
| Net loans and leases to deposits | 70.3372% | 3,841 |
| Net loans and leases to core deposits | 71.5899% | 4,079 |
| Total domestic deposits to total assets | 89.2830% | 877 |
| Equity capital to assets | 10.2936% | 3,391 |
| Core capital (leverage) ratio | 10.5340% | 2,806 |
| Tier 1 risk-based capital ratio | 17.0602% | 2,067 |
| Total risk-based capital ratio | 18.1101% | 2,087 |
| Memoranda: | ||
| Average total assets | $92,500,400 | 4,381 |
| Average earning assets | $88,506,800 | 4,323 |
| Average equity | $9,723,200 | 4,494 |
| Average total loans | $57,135,400 | 4,262 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,560 |
| Cost of funding earning assets | 0.4943% | 2,316 |
| Net interest margin | 3.4451% | 3,694 |
| Noninterest income to average assets | 0.3055% | 4,344 |
| Noninterest expense to average assets | 2.1180% | 4,696 |
| Loan and lease loss provision to assets | 0.2037% | 929 |
| Net operating income to assets | 0.9077% | 2,994 |
| Return on assets (ROA) | 0.9077% | 3,053 |
| Pretax return on assets | 1.2787% | 2,588 |
| Return on Equity (ROE) | 8.5891% | 2,816 |
| Retained earnings to average equity (ytd only) | 6.1803% | 2,125 |
| Net charge-offs to loans | 0.0237% | 2,975 |
| Credit loss provision to net charge-offs | 1,400.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 101.9227% | 680 |
| Efficiency ratio | 58.8283% | 4,384 |
| Assets per employee ($millions) | 5.4931% | 1,930 |
| Cash dividends to net income (ytd only)* | 28.0451% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 4,235 |
| Loan loss allowance to noncurrent loans | 97.7966% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 2,614 |
| Noncurrent loans to loans | 0.9923% | 1,950 |
| Net loans and leases to total assets | 63.0543% | 3,544 |
| Net loans and leases to deposits | 70.9080% | 3,883 |
| Net loans and leases to core deposits | 72.8972% | 4,075 |
| Total domestic deposits to total assets | 88.9241% | 926 |
| Equity capital to assets | 10.6272% | 3,236 |
| Core capital (leverage) ratio | 10.6586% | 2,816 |
| Tier 1 risk-based capital ratio | 17.1844% | 2,105 |
| Total risk-based capital ratio | 18.1847% | 2,133 |
| Memoranda: | ||
| Average total assets | $91,654,250 | 4,435 |
| Average earning assets | $87,657,750 | 4,384 |
| Average equity | $9,686,500 | 4,543 |
| Average total loans | $56,213,000 | 4,321 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 3,592 |
| Cost of funding earning assets | 0.4911% | 2,250 |
| Net interest margin | 3.3966% | 3,782 |
| Noninterest income to average assets | 0.2943% | 4,435 |
| Noninterest expense to average assets | 2.1564% | 4,653 |
| Loan and lease loss provision to assets | 0.0878% | 2,226 |
| Net operating income to assets | 0.9135% | 2,845 |
| Return on assets (ROA) | 0.9135% | 2,897 |
| Pretax return on assets | 1.3000% | 2,383 |
| Return on Equity (ROE) | 8.6601% | 2,690 |
| Retained earnings to average equity (ytd only) | 5.0170% | 2,697 |
| Net charge-offs to loans | 0.0290% | 2,628 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 775 |
| Efficiency ratio | 60.8426% | 4,189 |
| Assets per employee ($millions) | 5.7466% | 1,656 |
| Cash dividends to net income (ytd only)* | 42.0673% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8281% | 4,876 |
| Loan loss allowance to noncurrent loans | 136.8571% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 3,586 |
| Noncurrent loans to loans | 0.6051% | 2,911 |
| Net loans and leases to total assets | 62.3877% | 3,584 |
| Net loans and leases to deposits | 70.1456% | 3,904 |
| Net loans and leases to core deposits | 72.1366% | 4,088 |
| Total domestic deposits to total assets | 88.9402% | 989 |
| Equity capital to assets | 10.6084% | 3,218 |
| Core capital (leverage) ratio | 10.4243% | 3,000 |
| Tier 1 risk-based capital ratio | 17.0043% | 2,154 |
| Total risk-based capital ratio | 17.8436% | 2,235 |
| Memoranda: | ||
| Average total assets | $91,078,000 | 4,479 |
| Average earning assets | $87,145,000 | 4,414 |
| Average equity | $9,607,330 | 4,575 |
| Average total loans | $55,131,000 | 4,383 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 3,935 |
| Cost of funding earning assets | 0.4885% | 2,177 |
| Net interest margin | 3.2631% | 4,128 |
| Noninterest income to average assets | 0.2824% | 4,530 |
| Noninterest expense to average assets | 2.2285% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8296% | 3,080 |
| Return on assets (ROA) | 0.8296% | 3,138 |
| Pretax return on assets | 1.1782% | 2,687 |
| Return on Equity (ROE) | 7.8876% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.8876% | 1,506 |
| Net charge-offs to loans | -0.0074% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4145% | 3,587 |
| Assets per employee ($millions) | 5.6931% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 4,999 |
| Loan loss allowance to noncurrent loans | 137.8462% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 3,778 |
| Noncurrent loans to loans | 0.5971% | 3,026 |
| Net loans and leases to total assets | 59.2629% | 3,861 |
| Net loans and leases to deposits | 66.6050% | 4,123 |
| Net loans and leases to core deposits | 68.5112% | 4,257 |
| Total domestic deposits to total assets | 88.9767% | 1,151 |
| Equity capital to assets | 10.5710% | 3,103 |
| Core capital (leverage) ratio | 10.5941% | 2,798 |
| Tier 1 risk-based capital ratio | 17.9369% | 1,897 |
| Total risk-based capital ratio | 18.7694% | 1,980 |
| Memoranda: | ||
| Average total assets | $90,644,000 | 4,528 |
| Average earning assets | $86,789,000 | 4,461 |
| Average equity | $9,534,000 | 4,618 |
| Average total loans | $53,775,500 | 4,463 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 4,218 |
| Cost of funding earning assets | 0.5104% | 2,012 |
| Net interest margin | 3.1868% | 4,483 |
| Noninterest income to average assets | 0.3489% | 4,238 |
| Noninterest expense to average assets | 2.0250% | 5,141 |
| Loan and lease loss provision to assets | 0.0665% | 3,035 |
| Net operating income to assets | 0.9283% | 2,689 |
| Return on assets (ROA) | 0.9283% | 2,803 |
| Pretax return on assets | 1.3149% | 2,231 |
| Return on Equity (ROE) | 9.0550% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.7485% | 1,854 |
| Net charge-offs to loans | 0.1306% | 1,937 |
| Credit loss provision to net charge-offs | 86.9565% | 2,853 |
| Earnings coverage of net charge-offs (x) | 18.0725% | 1,987 |
| Efficiency ratio | 59.4472% | 4,670 |
| Assets per employee ($millions) | 5.3058% | 2,049 |
| Cash dividends to net income (ytd only)* | 36.5155% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 4,980 |
| Loan loss allowance to noncurrent loans | 125.5618% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 3,689 |
| Noncurrent loans to loans | 0.6702% | 2,854 |
| Net loans and leases to total assets | 58.3975% | 4,029 |
| Net loans and leases to deposits | 65.6857% | 4,273 |
| Net loans and leases to core deposits | 67.5776% | 4,425 |
| Total domestic deposits to total assets | 88.9045% | 1,159 |
| Equity capital to assets | 10.4646% | 3,194 |
| Core capital (leverage) ratio | 10.5019% | 2,881 |
| Tier 1 risk-based capital ratio | 18.0439% | 1,834 |
| Total risk-based capital ratio | 18.8961% | 1,927 |
| Memoranda: | ||
| Average total assets | $90,272,200 | 4,538 |
| Average earning assets | $86,606,200 | 4,460 |
| Average equity | $9,254,600 | 4,701 |
| Average total loans | $52,836,600 | 4,492 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,228 |
| Cost of funding earning assets | 0.5129% | 1,994 |
| Net interest margin | 3.1943% | 4,505 |
| Noninterest income to average assets | 0.3396% | 4,353 |
| Noninterest expense to average assets | 2.0363% | 5,134 |
| Loan and lease loss provision to assets | 0.0369% | 3,508 |
| Net operating income to assets | 0.9687% | 2,574 |
| Return on assets (ROA) | 0.9687% | 2,710 |
| Pretax return on assets | 1.3290% | 2,316 |
| Return on Equity (ROE) | 9.4982% | 2,273 |
| Retained earnings to average equity (ytd only) | 7.3264% | 1,471 |
| Net charge-offs to loans | 0.0581% | 2,522 |
| Credit loss provision to net charge-offs | 108.6957% | 2,237 |
| Earnings coverage of net charge-offs (x) | 40.2119% | 1,240 |
| Efficiency ratio | 59.8524% | 4,562 |
| Assets per employee ($millions) | 5.4614% | 1,891 |
| Cash dividends to net income (ytd only)* | 22.8666% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 4,971 |
| Loan loss allowance to noncurrent loans | 110.6280% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 3,635 |
| Noncurrent loans to loans | 0.7860% | 2,712 |
| Net loans and leases to total assets | 56.2352% | 4,285 |
| Net loans and leases to deposits | 63.0491% | 4,554 |
| Net loans and leases to core deposits | 64.8044% | 4,684 |
| Total domestic deposits to total assets | 89.1926% | 803 |
| Equity capital to assets | 10.1956% | 3,923 |
| Core capital (leverage) ratio | 10.1162% | 3,419 |
| Tier 1 risk-based capital ratio | 18.1491% | 1,873 |
| Total risk-based capital ratio | 19.0299% | 1,942 |
| Memoranda: | ||
| Average total assets | $90,290,500 | 4,576 |
| Average earning assets | $86,569,000 | 4,497 |
| Average equity | $9,208,500 | 4,762 |
| Average total loans | $52,765,500 | 4,534 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 4,124 |
| Cost of funding earning assets | 0.5142% | 1,991 |
| Net interest margin | 3.2369% | 4,419 |
| Noninterest income to average assets | 0.3108% | 4,553 |
| Noninterest expense to average assets | 2.0282% | 5,214 |
| Loan and lease loss provision to assets | 0.0559% | 3,027 |
| Net operating income to assets | 0.9638% | 2,555 |
| Return on assets (ROA) | 0.9638% | 2,699 |
| Pretax return on assets | 1.3238% | 2,307 |
| Return on Equity (ROE) | 9.4490% | 2,295 |
| Retained earnings to average equity (ytd only) | 6.1605% | 2,034 |
| Net charge-offs to loans | 0.0833% | 2,015 |
| Credit loss provision to net charge-offs | 113.6364% | 1,932 |
| Earnings coverage of net charge-offs (x) | 28.0455% | 1,441 |
| Efficiency ratio | 59.5144% | 4,707 |
| Assets per employee ($millions) | 5.5681% | 1,725 |
| Cash dividends to net income (ytd only)* | 34.8028% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 5,148 |
| Loan loss allowance to noncurrent loans | 119.5313% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 3,870 |
| Noncurrent loans to loans | 0.7064% | 2,958 |
| Net loans and leases to total assets | 56.9408% | 4,213 |
| Net loans and leases to deposits | 63.5174% | 4,528 |
| Net loans and leases to core deposits | 65.2357% | 4,666 |
| Total domestic deposits to total assets | 89.6459% | 619 |
| Equity capital to assets | 9.7741% | 4,484 |
| Core capital (leverage) ratio | 9.8466% | 3,754 |
| Tier 1 risk-based capital ratio | 17.0947% | 2,180 |
| Total risk-based capital ratio | 17.9465% | 2,307 |
| Memoranda: | ||
| Average total assets | $89,439,330 | 4,626 |
| Average earning assets | $85,575,670 | 4,549 |
| Average equity | $9,122,670 | 4,818 |
| Average total loans | $52,797,670 | 4,562 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 3,961 |
| Cost of funding earning assets | 0.5270% | 1,892 |
| Net interest margin | 3.2682% | 4,335 |
| Noninterest income to average assets | 0.3086% | 4,521 |
| Noninterest expense to average assets | 2.1605% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9213% | 2,641 |
| Return on assets (ROA) | 0.9213% | 2,752 |
| Pretax return on assets | 1.2622% | 2,464 |
| Return on Equity (ROE) | 8.8320% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.8320% | 1,166 |
| Net charge-offs to loans | 0.0615% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 34.2500% | 1,102 |
| Efficiency ratio | 63.1225% | 4,285 |
| Assets per employee ($millions) | 4.6300% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 5,198 |
| Loan loss allowance to noncurrent loans | 108.7379% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 3,724 |
| Noncurrent loans to loans | 0.7879% | 2,862 |
| Net loans and leases to total assets | 58.9326% | 3,928 |
| Net loans and leases to deposits | 66.2505% | 4,229 |
| Net loans and leases to core deposits | 68.5409% | 4,353 |
| Total domestic deposits to total assets | 88.9542% | 1,125 |
| Equity capital to assets | 10.4229% | 3,587 |
| Core capital (leverage) ratio | 10.5484% | 2,908 |
| Tier 1 risk-based capital ratio | 17.1406% | 2,236 |
| Total risk-based capital ratio | 17.9815% | 2,332 |
| Memoranda: | ||
| Average total assets | $86,830,000 | 4,711 |
| Average earning assets | $82,736,000 | 4,651 |
| Average equity | $9,058,000 | 4,853 |
| Average total loans | $52,017,500 | 4,614 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8445% | 3,903 |
| Cost of funding earning assets | 0.5583% | 1,692 |
| Net interest margin | 3.2862% | 4,349 |
| Noninterest income to average assets | 0.3594% | 4,329 |
| Noninterest expense to average assets | 2.1967% | 5,052 |
| Loan and lease loss provision to assets | 0.0259% | 3,870 |
| Net operating income to assets | 0.9039% | 2,848 |
| Return on assets (ROA) | 0.9039% | 2,931 |
| Pretax return on assets | 1.2374% | 2,513 |
| Return on Equity (ROE) | 8.7725% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.2841% | 2,217 |
| Net charge-offs to loans | 0.0157% | 3,977 |
| Credit loss provision to net charge-offs | 275.0000% | 1,055 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 461 |
| Efficiency ratio | 63.4877% | 4,371 |
| Assets per employee ($millions) | 4.7606% | 2,661 |
| Cash dividends to net income (ytd only)* | 39.7653% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 5,151 |
| Loan loss allowance to noncurrent loans | 132.5581% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 3,992 |
| Noncurrent loans to loans | 0.6648% | 3,200 |
| Net loans and leases to total assets | 59.8530% | 3,856 |
| Net loans and leases to deposits | 67.3601% | 4,186 |
| Net loans and leases to core deposits | 69.1166% | 4,367 |
| Total domestic deposits to total assets | 88.8552% | 1,198 |
| Equity capital to assets | 10.4411% | 3,435 |
| Core capital (leverage) ratio | 10.4632% | 2,969 |
| Tier 1 risk-based capital ratio | 17.2396% | 2,205 |
| Total risk-based capital ratio | 18.1197% | 2,283 |
| Memoranda: | ||
| Average total assets | $84,853,000 | 4,771 |
| Average earning assets | $80,063,200 | 4,714 |
| Average equity | $8,743,200 | 4,905 |
| Average total loans | $51,114,200 | 4,636 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 3,788 |
| Cost of funding earning assets | 0.5645% | 1,672 |
| Net interest margin | 3.3215% | 4,253 |
| Noninterest income to average assets | 0.3544% | 4,407 |
| Noninterest expense to average assets | 2.1675% | 5,134 |
| Loan and lease loss provision to assets | 0.0347% | 3,531 |
| Net operating income to assets | 0.9357% | 2,775 |
| Return on assets (ROA) | 0.9357% | 2,873 |
| Pretax return on assets | 1.2759% | 2,491 |
| Return on Equity (ROE) | 9.1113% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.1940% | 1,603 |
| Net charge-offs to loans | 0.0706% | 2,555 |
| Credit loss provision to net charge-offs | 81.4815% | 2,589 |
| Earnings coverage of net charge-offs (x) | 30.8142% | 1,466 |
| Efficiency ratio | 62.3188% | 4,521 |
| Assets per employee ($millions) | 4.6186% | 2,814 |
| Cash dividends to net income (ytd only)* | 21.0435% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 5,385 |
| Loan loss allowance to noncurrent loans | 97.3274% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 3,683 |
| Noncurrent loans to loans | 0.8691% | 2,807 |
| Net loans and leases to total assets | 61.6186% | 3,660 |
| Net loans and leases to deposits | 69.6848% | 4,022 |
| Net loans and leases to core deposits | 71.5667% | 4,227 |
| Total domestic deposits to total assets | 88.4247% | 1,321 |
| Equity capital to assets | 10.7778% | 3,266 |
| Core capital (leverage) ratio | 10.4682% | 3,073 |
| Tier 1 risk-based capital ratio | 17.1348% | 2,324 |
| Total risk-based capital ratio | 17.9725% | 2,426 |
| Memoranda: | ||
| Average total assets | $84,643,750 | 4,831 |
| Average earning assets | $79,600,250 | 4,788 |
| Average equity | $8,692,250 | 4,978 |
| Average total loans | $50,956,750 | 4,681 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,917 |
| Cost of funding earning assets | 0.5669% | 1,666 |
| Net interest margin | 3.2736% | 4,405 |
| Noninterest income to average assets | 0.3171% | 4,686 |
| Noninterest expense to average assets | 2.1281% | 5,278 |
| Loan and lease loss provision to assets | 0.0517% | 3,083 |
| Net operating income to assets | 0.8926% | 2,921 |
| Return on assets (ROA) | 0.8926% | 3,047 |
| Pretax return on assets | 1.2026% | 2,767 |
| Return on Equity (ROE) | 8.8341% | 2,638 |
| Retained earnings to average equity (ytd only) | 5.9282% | 2,289 |
| Net charge-offs to loans | 0.1065% | 1,932 |
| Credit loss provision to net charge-offs | 81.4815% | 2,311 |
| Earnings coverage of net charge-offs (x) | 19.7778% | 1,737 |
| Efficiency ratio | 62.9167% | 4,534 |
| Assets per employee ($millions) | 4.7464% | 2,611 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 5,515 |
| Loan loss allowance to noncurrent loans | 95.4148% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 3,829 |
| Noncurrent loans to loans | 0.8726% | 2,950 |
| Net loans and leases to total assets | 60.9216% | 3,701 |
| Net loans and leases to deposits | 68.5640% | 4,078 |
| Net loans and leases to core deposits | 70.1129% | 4,314 |
| Total domestic deposits to total assets | 88.8536% | 1,217 |
| Equity capital to assets | 10.1807% | 3,825 |
| Core capital (leverage) ratio | 10.1028% | 3,456 |
| Tier 1 risk-based capital ratio | 16.4288% | 2,646 |
| Total risk-based capital ratio | 17.2517% | 2,817 |
| Memoranda: | ||
| Average total assets | $85,147,000 | 4,875 |
| Average earning assets | $79,728,670 | 4,833 |
| Average equity | $8,603,000 | 5,036 |
| Average total loans | $50,721,330 | 4,726 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 3,878 |
| Cost of funding earning assets | 0.5731% | 1,632 |
| Net interest margin | 3.2610% | 4,377 |
| Noninterest income to average assets | 0.3153% | 4,668 |
| Noninterest expense to average assets | 2.2211% | 5,092 |
| Loan and lease loss provision to assets | 0.1035% | 1,973 |
| Net operating income to assets | 0.8141% | 3,192 |
| Return on assets (ROA) | 0.8141% | 3,316 |
| Pretax return on assets | 1.0164% | 3,431 |
| Return on Equity (ROE) | 8.0884% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.0884% | 1,537 |
| Net charge-offs to loans | 0.2247% | 1,044 |
| Credit loss provision to net charge-offs | 78.5714% | 1,841 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,082 |
| Efficiency ratio | 66.4789% | 4,070 |
| Assets per employee ($millions) | 4.9411% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 5,515 |
| Loan loss allowance to noncurrent loans | 79.8535% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 3,554 |
| Noncurrent loans to loans | 1.0935% | 2,575 |
| Net loans and leases to total assets | 58.9252% | 3,809 |
| Net loans and leases to deposits | 66.2739% | 4,124 |
| Net loans and leases to core deposits | 67.3351% | 4,399 |
| Total domestic deposits to total assets | 88.9116% | 1,329 |
| Equity capital to assets | 10.3169% | 3,758 |
| Core capital (leverage) ratio | 10.3586% | 3,149 |
| Tier 1 risk-based capital ratio | 17.0831% | 2,449 |
| Total risk-based capital ratio | 17.9450% | 2,551 |
| Memoranda: | ||
| Average total assets | $85,002,500 | 4,921 |
| Average earning assets | $78,870,500 | 4,894 |
| Average equity | $8,555,500 | 5,085 |
| Average total loans | $49,839,000 | 4,789 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 4,314 |
| Cost of funding earning assets | 0.6126% | 1,656 |
| Net interest margin | 3.2377% | 4,806 |
| Noninterest income to average assets | 0.2578% | 5,286 |
| Noninterest expense to average assets | 2.1263% | 5,514 |
| Loan and lease loss provision to assets | 0.2613% | 849 |
| Net operating income to assets | 0.7020% | 3,880 |
| Return on assets (ROA) | 0.7020% | 3,997 |
| Pretax return on assets | 0.9087% | 3,872 |
| Return on Equity (ROE) | 7.1760% | 3,538 |
| Retained earnings to average equity (ytd only) | 4.0919% | 3,288 |
| Net charge-offs to loans | 0.6146% | 640 |
| Credit loss provision to net charge-offs | 71.8954% | 3,025 |
| Earnings coverage of net charge-offs (x) | 3.2190% | 3,941 |
| Efficiency ratio | 64.5045% | 4,504 |
| Assets per employee ($millions) | 5.0592% | 2,247 |
| Cash dividends to net income (ytd only)* | 42.9780% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 5,511 |
| Loan loss allowance to noncurrent loans | 85.9922% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 3,795 |
| Noncurrent loans to loans | 1.0332% | 2,759 |
| Net loans and leases to total assets | 57.3256% | 4,148 |
| Net loans and leases to deposits | 64.2623% | 4,499 |
| Net loans and leases to core deposits | 65.0457% | 4,753 |
| Total domestic deposits to total assets | 89.2055% | 1,120 |
| Equity capital to assets | 9.8190% | 4,325 |
| Core capital (leverage) ratio | 10.0892% | 3,450 |
| Tier 1 risk-based capital ratio | 16.7756% | 2,607 |
| Total risk-based capital ratio | 17.6510% | 2,704 |
| Memoranda: | ||
| Average total assets | $84,185,000 | 4,954 |
| Average earning assets | $79,006,200 | 4,904 |
| Average equity | $8,235,800 | 5,139 |
| Average total loans | $49,791,800 | 4,823 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 4,266 |
| Cost of funding earning assets | 0.6168% | 1,708 |
| Net interest margin | 3.2558% | 4,778 |
| Noninterest income to average assets | 0.2723% | 5,268 |
| Noninterest expense to average assets | 2.1418% | 5,480 |
| Loan and lease loss provision to assets | 0.3185% | 588 |
| Net operating income to assets | 0.6577% | 4,177 |
| Return on assets (ROA) | 0.6577% | 4,279 |
| Pretax return on assets | 0.8886% | 4,038 |
| Return on Equity (ROE) | 6.7288% | 3,837 |
| Retained earnings to average equity (ytd only) | 4.6271% | 3,339 |
| Net charge-offs to loans | 0.7737% | 435 |
| Credit loss provision to net charge-offs | 69.2042% | 2,778 |
| Earnings coverage of net charge-offs (x) | 2.6229% | 3,869 |
| Efficiency ratio | 63.9563% | 4,549 |
| Assets per employee ($millions) | 4.9569% | 2,292 |
| Cash dividends to net income (ytd only)* | 31.2358% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 5,629 |
| Loan loss allowance to noncurrent loans | 99.7727% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 3,342 |
| Noncurrent loans to loans | 0.8926% | 3,335 |
| Net loans and leases to total assets | 57.9764% | 4,076 |
| Net loans and leases to deposits | 65.1956% | 4,415 |
| Net loans and leases to core deposits | 66.0087% | 4,711 |
| Total domestic deposits to total assets | 88.9269% | 1,280 |
| Equity capital to assets | 9.9386% | 4,246 |
| Core capital (leverage) ratio | 9.8323% | 3,900 |
| Tier 1 risk-based capital ratio | 16.8755% | 2,659 |
| Total risk-based capital ratio | 17.7557% | 2,763 |
| Memoranda: | ||
| Average total assets | $83,729,500 | 5,019 |
| Average earning assets | $79,118,500 | 4,960 |
| Average equity | $8,183,500 | 5,197 |
| Average total loans | $49,803,250 | 4,873 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 4,165 |
| Cost of funding earning assets | 0.6245% | 1,690 |
| Net interest margin | 3.2672% | 4,710 |
| Noninterest income to average assets | 0.2298% | 5,560 |
| Noninterest expense to average assets | 2.0993% | 5,626 |
| Loan and lease loss provision to assets | 0.3591% | 486 |
| Net operating income to assets | 0.6463% | 4,120 |
| Return on assets (ROA) | 0.6463% | 4,222 |
| Pretax return on assets | 0.8522% | 4,072 |
| Return on Equity (ROE) | 6.6505% | 3,801 |
| Retained earnings to average equity (ytd only) | 3.5716% | 3,919 |
| Net charge-offs to loans | 0.0880% | 2,808 |
| Credit loss provision to net charge-offs | 681.8182% | 459 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,483 |
| Efficiency ratio | 63.4129% | 4,788 |
| Assets per employee ($millions) | 5.0756% | 2,117 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 3,810 |
| Loan loss allowance to noncurrent loans | 102.0218% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0593% | 2,952 |
| Noncurrent loans to loans | 1.2829% | 2,661 |
| Net loans and leases to total assets | 57.3256% | 4,074 |
| Net loans and leases to deposits | 63.9772% | 4,502 |
| Net loans and leases to core deposits | 64.7468% | 4,752 |
| Total domestic deposits to total assets | 89.6032% | 1,014 |
| Equity capital to assets | 9.5241% | 4,721 |
| Core capital (leverage) ratio | 9.5378% | 4,268 |
| Tier 1 risk-based capital ratio | 16.4216% | 2,868 |
| Total risk-based capital ratio | 17.6716% | 2,824 |
| Memoranda: | ||
| Average total assets | $83,550,330 | 5,070 |
| Average earning assets | $78,784,000 | 5,004 |
| Average equity | $8,119,670 | 5,239 |
| Average total loans | $49,973,000 | 4,898 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 3,929 |
| Cost of funding earning assets | 0.6325% | 1,712 |
| Net interest margin | 3.3075% | 4,505 |
| Noninterest income to average assets | 0.3991% | 4,194 |
| Noninterest expense to average assets | 2.1610% | 5,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9637% | 2,339 |
| Return on assets (ROA) | 0.9637% | 2,409 |
| Pretax return on assets | 1.3434% | 1,940 |
| Return on Equity (ROE) | 9.8135% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.8135% | 1,012 |
| Net charge-offs to loans | 0.1523% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.5263% | 1,598 |
| Efficiency ratio | 61.6667% | 5,179 |
| Assets per employee ($millions) | 4.9764% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 5,399 |
| Loan loss allowance to noncurrent loans | 72.9226% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 2,840 |
| Noncurrent loans to loans | 1.4150% | 2,659 |
| Net loans and leases to total assets | 57.7070% | 3,900 |
| Net loans and leases to deposits | 64.6883% | 4,245 |
| Net loans and leases to core deposits | 65.2407% | 4,577 |
| Total domestic deposits to total assets | 89.2078% | 1,524 |
| Equity capital to assets | 9.7059% | 4,219 |
| Core capital (leverage) ratio | 10.1418% | 3,366 |
| Tier 1 risk-based capital ratio | 16.5689% | 2,862 |
| Total risk-based capital ratio | 17.5812% | 2,953 |
| Memoranda: | ||
| Average total assets | $82,182,500 | 5,156 |
| Average earning assets | $77,158,500 | 5,086 |
| Average equity | $8,070,500 | 5,272 |
| Average total loans | $49,899,500 | 4,937 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 4,047 |
| Cost of funding earning assets | 0.7225% | 1,662 |
| Net interest margin | 3.2897% | 4,700 |
| Noninterest income to average assets | 0.3784% | 4,603 |
| Noninterest expense to average assets | 2.2405% | 5,530 |
| Loan and lease loss provision to assets | 0.1365% | 2,596 |
| Net operating income to assets | 0.7969% | 3,302 |
| Return on assets (ROA) | 0.7902% | 3,443 |
| Pretax return on assets | 1.0260% | 3,243 |
| Return on Equity (ROE) | 8.0678% | 3,003 |
| Retained earnings to average equity (ytd only) | 4.8255% | 2,712 |
| Net charge-offs to loans | 0.3247% | 2,056 |
| Credit loss provision to net charge-offs | 70.9677% | 3,281 |
| Earnings coverage of net charge-offs (x) | 6.0903% | 3,129 |
| Efficiency ratio | 65.6727% | 4,622 |
| Assets per employee ($millions) | 4.6922% | 2,601 |
| Cash dividends to net income (ytd only)* | 40.1884% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 5,359 |
| Loan loss allowance to noncurrent loans | 68.1290% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.7125% | 2,150 |
| Noncurrent loans to loans | 1.5355% | 2,590 |
| Net loans and leases to total assets | 62.6111% | 3,273 |
| Net loans and leases to deposits | 70.1614% | 3,766 |
| Net loans and leases to core deposits | 70.8170% | 4,208 |
| Total domestic deposits to total assets | 89.2387% | 1,462 |
| Equity capital to assets | 9.9415% | 3,848 |
| Core capital (leverage) ratio | 10.1906% | 3,305 |
| Tier 1 risk-based capital ratio | 15.9292% | 3,130 |
| Total risk-based capital ratio | 16.9634% | 3,201 |
| Memoranda: | ||
| Average total assets | $80,608,000 | 5,225 |
| Average earning assets | $74,322,000 | 5,186 |
| Average equity | $7,895,600 | 5,366 |
| Average total loans | $47,730,400 | 5,041 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 4,262 |
| Cost of funding earning assets | 0.7358% | 1,699 |
| Net interest margin | 3.2286% | 4,906 |
| Noninterest income to average assets | 0.3712% | 4,740 |
| Noninterest expense to average assets | 2.2519% | 5,473 |
| Loan and lease loss provision to assets | 0.1402% | 2,541 |
| Net operating income to assets | 0.6966% | 3,879 |
| Return on assets (ROA) | 0.6978% | 4,008 |
| Pretax return on assets | 0.9486% | 3,694 |
| Return on Equity (ROE) | 7.1509% | 3,560 |
| Retained earnings to average equity (ytd only) | 4.9869% | 3,096 |
| Net charge-offs to loans | 0.3713% | 1,712 |
| Credit loss provision to net charge-offs | 64.8855% | 3,182 |
| Earnings coverage of net charge-offs (x) | 5.0306% | 3,300 |
| Efficiency ratio | 67.4407% | 4,199 |
| Assets per employee ($millions) | 4.7022% | 2,568 |
| Cash dividends to net income (ytd only)* | 30.2594% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 5,331 |
| Loan loss allowance to noncurrent loans | 70.4545% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.7701% | 2,316 |
| Noncurrent loans to loans | 1.5627% | 2,817 |
| Net loans and leases to total assets | 59.2209% | 3,822 |
| Net loans and leases to deposits | 66.1007% | 4,297 |
| Net loans and leases to core deposits | 66.7146% | 4,649 |
| Total domestic deposits to total assets | 89.5919% | 1,231 |
| Equity capital to assets | 9.9440% | 3,980 |
| Core capital (leverage) ratio | 10.0044% | 3,677 |
| Tier 1 risk-based capital ratio | 16.3030% | 3,033 |
| Total risk-based capital ratio | 17.3708% | 3,085 |
| Memoranda: | ||
| Average total assets | $80,818,250 | 5,269 |
| Average earning assets | $74,292,000 | 5,238 |
| Average equity | $7,887,000 | 5,422 |
| Average total loans | $47,045,250 | 5,111 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 4,742 |
| Cost of funding earning assets | 0.7473% | 1,726 |
| Net interest margin | 3.0784% | 5,338 |
| Noninterest income to average assets | 0.3699% | 4,752 |
| Noninterest expense to average assets | 2.0786% | 5,911 |
| Loan and lease loss provision to assets | 0.0863% | 3,354 |
| Net operating income to assets | 0.7133% | 3,745 |
| Return on assets (ROA) | 0.7151% | 3,907 |
| Pretax return on assets | 1.0208% | 3,413 |
| Return on Equity (ROE) | 7.3732% | 3,410 |
| Retained earnings to average equity (ytd only) | 4.1951% | 3,622 |
| Net charge-offs to loans | 0.4020% | 1,608 |
| Credit loss provision to net charge-offs | 37.2340% | 3,471 |
| Earnings coverage of net charge-offs (x) | 4.7660% | 3,042 |
| Efficiency ratio | 65.2982% | 4,670 |
| Assets per employee ($millions) | 5.7632% | 1,372 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 5,459 |
| Loan loss allowance to noncurrent loans | 59.0805% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.6620% | 2,616 |
| Noncurrent loans to loans | 1.8561% | 2,554 |
| Net loans and leases to total assets | 57.4568% | 4,071 |
| Net loans and leases to deposits | 63.9249% | 4,518 |
| Net loans and leases to core deposits | 64.5076% | 4,838 |
| Total domestic deposits to total assets | 89.8816% | 1,096 |
| Equity capital to assets | 9.6883% | 4,326 |
| Core capital (leverage) ratio | 9.5055% | 4,238 |
| Tier 1 risk-based capital ratio | 16.7315% | 2,825 |
| Total risk-based capital ratio | 17.8179% | 2,864 |
| Memoranda: | ||
| Average total assets | $81,111,670 | 5,292 |
| Average earning assets | $74,129,330 | 5,274 |
| Average equity | $7,866,330 | 5,464 |
| Average total loans | $46,771,330 | 5,148 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 4,487 |
| Cost of funding earning assets | 0.7466% | 1,872 |
| Net interest margin | 3.1487% | 5,097 |
| Noninterest income to average assets | 0.3443% | 4,935 |
| Noninterest expense to average assets | 2.0559% | 5,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8263% | 3,018 |
| Return on assets (ROA) | 0.8263% | 3,162 |
| Pretax return on assets | 1.1509% | 2,760 |
| Return on Equity (ROE) | 8.5160% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.5160% | 1,554 |
| Net charge-offs to loans | 0.0514% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 806 |
| Efficiency ratio | 64.1104% | 4,996 |
| Assets per employee ($millions) | 4.7728% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,919 |
| Loan loss allowance to noncurrent loans | 70.4715% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.5739% | 2,903 |
| Noncurrent loans to loans | 1.7803% | 2,893 |
| Net loans and leases to total assets | 55.0994% | 4,224 |
| Net loans and leases to deposits | 61.4152% | 4,631 |
| Net loans and leases to core deposits | 61.9729% | 4,956 |
| Total domestic deposits to total assets | 89.7162% | 1,220 |
| Equity capital to assets | 9.7872% | 4,441 |
| Core capital (leverage) ratio | 9.9620% | 3,438 |
| Tier 1 risk-based capital ratio | 17.3475% | 2,627 |
| Total risk-based capital ratio | 18.5916% | 2,594 |
| Memoranda: | ||
| Average total assets | $81,325,000 | 5,332 |
| Average earning assets | $73,936,000 | 5,323 |
| Average equity | $7,891,000 | 5,517 |
| Average total loans | $46,720,500 | 5,183 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 4,264 |
| Cost of funding earning assets | 0.9126% | 1,865 |
| Net interest margin | 3.3704% | 4,995 |
| Noninterest income to average assets | 0.2713% | 5,520 |
| Noninterest expense to average assets | 2.1934% | 5,936 |
| Loan and lease loss provision to assets | 0.0389% | 5,383 |
| Net operating income to assets | 0.8527% | 3,029 |
| Return on assets (ROA) | 0.8527% | 3,277 |
| Pretax return on assets | 1.1305% | 3,049 |
| Return on Equity (ROE) | 8.5968% | 2,831 |
| Retained earnings to average equity (ytd only) | 5.3256% | 2,486 |
| Net charge-offs to loans | 0.1942% | 3,823 |
| Credit loss provision to net charge-offs | 33.7079% | 5,045 |
| Earnings coverage of net charge-offs (x) | 10.1236% | 2,176 |
| Efficiency ratio | 65.2258% | 4,664 |
| Assets per employee ($millions) | 4.7949% | 2,501 |
| Cash dividends to net income (ytd only)* | 38.0518% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 5,161 |
| Loan loss allowance to noncurrent loans | 54.1076% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 1.8770% | 2,602 |
| Noncurrent loans to loans | 2.1986% | 2,468 |
| Net loans and leases to total assets | 58.3882% | 3,902 |
| Net loans and leases to deposits | 64.9756% | 4,429 |
| Net loans and leases to core deposits | 65.5583% | 4,785 |
| Total domestic deposits to total assets | 89.8617% | 1,033 |
| Equity capital to assets | 9.6193% | 4,710 |
| Core capital (leverage) ratio | 10.0382% | 3,351 |
| Tier 1 risk-based capital ratio | 16.2481% | 3,027 |
| Total risk-based capital ratio | 17.4493% | 3,001 |
| Memoranda: | ||
| Average total assets | $77,047,600 | 5,432 |
| Average earning assets | $70,673,400 | 5,403 |
| Average equity | $7,642,400 | 5,600 |
| Average total loans | $45,822,600 | 5,256 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 4,476 |
| Cost of funding earning assets | 0.9437% | 1,882 |
| Net interest margin | 3.3488% | 5,217 |
| Noninterest income to average assets | 0.2968% | 5,399 |
| Noninterest expense to average assets | 2.1651% | 6,027 |
| Loan and lease loss provision to assets | 0.0176% | 5,583 |
| Net operating income to assets | 0.9254% | 2,850 |
| Return on assets (ROA) | 0.9254% | 3,075 |
| Pretax return on assets | 1.2046% | 2,980 |
| Return on Equity (ROE) | 9.2542% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.4982% | 1,852 |
| Net charge-offs to loans | 0.2623% | 3,148 |
| Credit loss provision to net charge-offs | 11.2360% | 5,062 |
| Earnings coverage of net charge-offs (x) | 7.8205% | 2,544 |
| Efficiency ratio | 63.9191% | 4,814 |
| Assets per employee ($millions) | 4.5313% | 2,860 |
| Cash dividends to net income (ytd only)* | 18.9753% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 5,559 |
| Loan loss allowance to noncurrent loans | 142.5258% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.1878% | 3,913 |
| Noncurrent loans to loans | 0.7993% | 4,810 |
| Net loans and leases to total assets | 62.2949% | 3,336 |
| Net loans and leases to deposits | 69.7354% | 3,931 |
| Net loans and leases to core deposits | 70.4014% | 4,448 |
| Total domestic deposits to total assets | 89.3304% | 1,224 |
| Equity capital to assets | 10.1335% | 4,308 |
| Core capital (leverage) ratio | 9.9829% | 3,568 |
| Tier 1 risk-based capital ratio | 16.2309% | 3,145 |
| Total risk-based capital ratio | 17.3857% | 3,173 |
| Memoranda: | ||
| Average total assets | $75,931,250 | 5,519 |
| Average earning assets | $70,073,750 | 5,484 |
| Average equity | $7,592,750 | 5,673 |
| Average total loans | $45,236,500 | 5,334 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 4,714 |
| Cost of funding earning assets | 0.9736% | 1,916 |
| Net interest margin | 3.2896% | 5,474 |
| Noninterest income to average assets | 0.3335% | 5,161 |
| Noninterest expense to average assets | 2.1465% | 6,136 |
| Loan and lease loss provision to assets | 0.0265% | 5,335 |
| Net operating income to assets | 0.9078% | 2,875 |
| Return on assets (ROA) | 0.9078% | 3,143 |
| Pretax return on assets | 1.1831% | 3,003 |
| Return on Equity (ROE) | 9.1203% | 2,756 |
| Retained earnings to average equity (ytd only) | 6.4613% | 2,405 |
| Net charge-offs to loans | 0.4078% | 2,397 |
| Credit loss provision to net charge-offs | 11.1111% | 4,727 |
| Earnings coverage of net charge-offs (x) | 5.0778% | 2,912 |
| Efficiency ratio | 63.9590% | 4,911 |
| Assets per employee ($millions) | 4.4757% | 2,949 |
| Cash dividends to net income (ytd only)* | 29.1545% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,274 |
| Loan loss allowance to noncurrent loans | 237.9310% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 4,306 |
| Noncurrent loans to loans | 0.5125% | 5,502 |
| Net loans and leases to total assets | 58.7735% | 4,026 |
| Net loans and leases to deposits | 65.7101% | 4,537 |
| Net loans and leases to core deposits | 66.3408% | 4,959 |
| Total domestic deposits to total assets | 89.4437% | 1,244 |
| Equity capital to assets | 10.0188% | 4,304 |
| Core capital (leverage) ratio | 9.6217% | 3,960 |
| Tier 1 risk-based capital ratio | 17.0929% | 2,630 |
| Total risk-based capital ratio | 18.3357% | 2,592 |
| Memoranda: | ||
| Average total assets | $75,564,330 | 5,557 |
| Average earning assets | $69,430,670 | 5,545 |
| Average equity | $7,521,670 | 5,704 |
| Average total loans | $44,135,330 | 5,423 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 4,418 |
| Cost of funding earning assets | 1.0012% | 1,977 |
| Net interest margin | 3.3763% | 5,215 |
| Noninterest income to average assets | 0.3453% | 5,099 |
| Noninterest expense to average assets | 2.1407% | 6,177 |
| Loan and lease loss provision to assets | 0.0531% | 4,746 |
| Net operating income to assets | 0.9349% | 2,768 |
| Return on assets (ROA) | 0.9349% | 2,973 |
| Pretax return on assets | 1.2324% | 2,798 |
| Return on Equity (ROE) | 9.4231% | 2,629 |
| Retained earnings to average equity (ytd only) | 9.4231% | 1,434 |
| Net charge-offs to loans | 0.8079% | 1,272 |
| Credit loss provision to net charge-offs | 11.3636% | 3,884 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,080 |
| Efficiency ratio | 62.4806% | 5,194 |
| Assets per employee ($millions) | 4.5152% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 5,018 |
| Loan loss allowance to noncurrent loans | 176.4331% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 3,910 |
| Noncurrent loans to loans | 0.7375% | 5,191 |
| Net loans and leases to total assets | 54.7461% | 4,596 |
| Net loans and leases to deposits | 61.1229% | 5,027 |
| Net loans and leases to core deposits | 61.7036% | 5,359 |
| Total domestic deposits to total assets | 89.5672% | 1,325 |
| Equity capital to assets | 9.8543% | 4,306 |
| Core capital (leverage) ratio | 9.9036% | 3,491 |
| Tier 1 risk-based capital ratio | 18.0375% | 2,275 |
| Total risk-based capital ratio | 19.2895% | 2,245 |
| Memoranda: | ||
| Average total assets | $75,303,000 | 5,606 |
| Average earning assets | $68,714,500 | 5,608 |
| Average equity | $7,471,000 | 5,746 |
| Average total loans | $43,567,500 | 5,486 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 4,897 |
| Cost of funding earning assets | 1.1663% | 2,242 |
| Net interest margin | 3.3785% | 5,550 |
| Noninterest income to average assets | 0.3767% | 4,812 |
| Noninterest expense to average assets | 2.3764% | 5,840 |
| Loan and lease loss provision to assets | 0.1177% | 5,130 |
| Net operating income to assets | 0.8268% | 2,922 |
| Return on assets (ROA) | 0.8268% | 3,088 |
| Pretax return on assets | 0.9916% | 3,274 |
| Return on Equity (ROE) | 8.2979% | 2,766 |
| Retained earnings to average equity (ytd only) | 5.9628% | 2,039 |
| Net charge-offs to loans | 0.2483% | 4,223 |
| Credit loss provision to net charge-offs | 75.8929% | 4,641 |
| Earnings coverage of net charge-offs (x) | 7.1518% | 2,388 |
| Efficiency ratio | 68.1764% | 4,319 |
| Assets per employee ($millions) | 4.3440% | 3,176 |
| Cash dividends to net income (ytd only)* | 28.1407% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,378 |
| Loan loss allowance to noncurrent loans | 143.9636% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 1.6575% | 3,468 |
| Noncurrent loans to loans | 0.9852% | 4,733 |
| Net loans and leases to total assets | 59.4830% | 4,086 |
| Net loans and leases to deposits | 66.4725% | 4,671 |
| Net loans and leases to core deposits | 67.1256% | 5,148 |
| Total domestic deposits to total assets | 89.4852% | 1,271 |
| Equity capital to assets | 9.9908% | 4,180 |
| Core capital (leverage) ratio | 9.9452% | 3,399 |
| Tier 1 risk-based capital ratio | 16.7824% | 2,698 |
| Total risk-based capital ratio | 18.0347% | 2,661 |
| Memoranda: | ||
| Average total assets | $72,209,800 | 5,686 |
| Average earning assets | $66,448,800 | 5,651 |
| Average equity | $7,194,600 | 5,810 |
| Average total loans | $45,104,600 | 5,463 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 4,890 |
| Cost of funding earning assets | 1.1961% | 2,337 |
| Net interest margin | 3.3971% | 5,589 |
| Noninterest income to average assets | 0.3844% | 4,777 |
| Noninterest expense to average assets | 2.4233% | 5,706 |
| Loan and lease loss provision to assets | 0.1393% | 4,701 |
| Net operating income to assets | 0.7725% | 3,291 |
| Return on assets (ROA) | 0.7725% | 3,453 |
| Pretax return on assets | 0.9545% | 3,572 |
| Return on Equity (ROE) | 7.7587% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.4230% | 1,758 |
| Net charge-offs to loans | 0.2741% | 3,721 |
| Credit loss provision to net charge-offs | 80.6452% | 4,122 |
| Earnings coverage of net charge-offs (x) | 6.3331% | 2,573 |
| Efficiency ratio | 68.9018% | 4,138 |
| Assets per employee ($millions) | 4.3682% | 3,140 |
| Cash dividends to net income (ytd only)* | 4.3271% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,440 |
| Loan loss allowance to noncurrent loans | 81.7602% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 2.1546% | 2,967 |
| Noncurrent loans to loans | 1.7433% | 3,710 |
| Net loans and leases to total assets | 59.6984% | 4,191 |
| Net loans and leases to deposits | 66.6486% | 4,806 |
| Net loans and leases to core deposits | 67.2992% | 5,267 |
| Total domestic deposits to total assets | 89.5718% | 1,107 |
| Equity capital to assets | 9.8936% | 4,488 |
| Core capital (leverage) ratio | 10.0474% | 3,371 |
| Tier 1 risk-based capital ratio | 16.5636% | 2,831 |
| Total risk-based capital ratio | 17.8161% | 2,792 |
| Memoranda: | ||
| Average total assets | $71,800,250 | 5,737 |
| Average earning assets | $66,211,000 | 5,702 |
| Average equity | $7,148,750 | 5,864 |
| Average total loans | $45,241,000 | 5,504 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 4,951 |
| Cost of funding earning assets | 1.2347% | 2,354 |
| Net interest margin | 3.3671% | 5,655 |
| Noninterest income to average assets | 0.3748% | 4,882 |
| Noninterest expense to average assets | 2.3415% | 6,027 |
| Loan and lease loss provision to assets | 0.0845% | 5,255 |
| Net operating income to assets | 0.8199% | 2,981 |
| Return on assets (ROA) | 0.8199% | 3,099 |
| Pretax return on assets | 1.0454% | 3,057 |
| Return on Equity (ROE) | 8.2172% | 2,854 |
| Retained earnings to average equity (ytd only) | 7.9913% | 1,469 |
| Net charge-offs to loans | 0.1677% | 4,171 |
| Credit loss provision to net charge-offs | 78.9474% | 3,804 |
| Earnings coverage of net charge-offs (x) | 10.5526% | 1,791 |
| Efficiency ratio | 67.4513% | 4,615 |
| Assets per employee ($millions) | 4.1770% | 3,396 |
| Cash dividends to net income (ytd only)* | 2.7491% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 4,244 |
| Loan loss allowance to noncurrent loans | 53.4483% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.8264% | 2,374 |
| Noncurrent loans to loans | 2.7573% | 2,645 |
| Net loans and leases to total assets | 61.2908% | 4,026 |
| Net loans and leases to deposits | 68.5677% | 4,624 |
| Net loans and leases to core deposits | 69.2650% | 5,156 |
| Total domestic deposits to total assets | 89.3873% | 1,309 |
| Equity capital to assets | 10.1734% | 3,910 |
| Core capital (leverage) ratio | 9.9436% | 3,331 |
| Tier 1 risk-based capital ratio | 16.8722% | 2,576 |
| Total risk-based capital ratio | 18.1262% | 2,545 |
| Memoranda: | ||
| Average total assets | $70,980,330 | 5,798 |
| Average earning assets | $65,278,000 | 5,780 |
| Average equity | $7,082,670 | 5,900 |
| Average total loans | $45,330,330 | 5,545 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 3,992 |
| Cost of funding earning assets | 1.2626% | 2,411 |
| Net interest margin | 3.5527% | 4,800 |
| Noninterest income to average assets | 0.3664% | 4,979 |
| Noninterest expense to average assets | 2.3561% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9526% | 2,344 |
| Return on assets (ROA) | 0.9526% | 2,410 |
| Pretax return on assets | 1.2457% | 2,211 |
| Return on Equity (ROE) | 9.6406% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.1843% | 1,325 |
| Net charge-offs to loans | 0.1481% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,466 |
| Efficiency ratio | 65.4147% | 5,136 |
| Assets per employee ($millions) | 4.1318% | 3,576 |
| Cash dividends to net income (ytd only)* | 4.7337% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 4,581 |
| Loan loss allowance to noncurrent loans | 45.7917% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 3.1478% | 2,189 |
| Noncurrent loans to loans | 3.0927% | 2,425 |
| Net loans and leases to total assets | 63.6261% | 3,517 |
| Net loans and leases to deposits | 71.3321% | 4,156 |
| Net loans and leases to core deposits | 72.0625% | 4,778 |
| Total domestic deposits to total assets | 89.1970% | 1,647 |
| Equity capital to assets | 10.1025% | 3,647 |
| Core capital (leverage) ratio | 10.1125% | 3,012 |
| Tier 1 risk-based capital ratio | 15.9506% | 2,924 |
| Total risk-based capital ratio | 17.2039% | 2,893 |
| Memoranda: | ||
| Average total assets | $70,966,000 | 5,847 |
| Average earning assets | $64,627,500 | 5,837 |
| Average equity | $7,012,000 | 5,922 |
| Average total loans | $45,909,000 | 5,564 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0179% | 4,466 |
| Cost of funding earning assets | 1.4728% | 2,805 |
| Net interest margin | 3.5451% | 5,055 |
| Noninterest income to average assets | 0.3981% | 4,921 |
| Noninterest expense to average assets | 2.3243% | 6,288 |
| Loan and lease loss provision to assets | 0.7465% | 2,202 |
| Net operating income to assets | 0.5664% | 3,818 |
| Return on assets (ROA) | 0.5664% | 3,977 |
| Pretax return on assets | 0.6074% | 4,298 |
| Return on Equity (ROE) | 5.6708% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.2055% | 2,897 |
| Net charge-offs to loans | 1.1608% | 1,924 |
| Credit loss provision to net charge-offs | 92.7273% | 5,005 |
| Earnings coverage of net charge-offs (x) | 1.6818% | 4,474 |
| Efficiency ratio | 63.1914% | 5,485 |
| Assets per employee ($millions) | 4.2172% | 3,354 |
| Cash dividends to net income (ytd only)* | 25.8398% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 4,437 |
| Loan loss allowance to noncurrent loans | 192.1283% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 3,694 |
| Noncurrent loans to loans | 0.7379% | 5,572 |
| Net loans and leases to total assets | 63.9207% | 3,892 |
| Net loans and leases to deposits | 71.6233% | 4,581 |
| Net loans and leases to core deposits | 72.3367% | 5,177 |
| Total domestic deposits to total assets | 89.2457% | 1,516 |
| Equity capital to assets | 9.6636% | 4,196 |
| Core capital (leverage) ratio | 9.8923% | 3,218 |
| Tier 1 risk-based capital ratio | 15.6427% | 2,932 |
| Total risk-based capital ratio | 16.8936% | 2,888 |
| Memoranda: | ||
| Average total assets | $68,321,600 | 5,927 |
| Average earning assets | $63,213,800 | 5,884 |
| Average equity | $6,824,400 | 6,096 |
| Average total loans | $47,382,600 | 5,583 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 4,161 |
| Cost of funding earning assets | 1.4951% | 3,012 |
| Net interest margin | 3.6373% | 4,691 |
| Noninterest income to average assets | 0.4051% | 4,919 |
| Noninterest expense to average assets | 2.3019% | 6,323 |
| Loan and lease loss provision to assets | 0.9188% | 1,643 |
| Net operating income to assets | 0.5315% | 4,178 |
| Return on assets (ROA) | 0.5315% | 4,351 |
| Pretax return on assets | 0.5829% | 4,654 |
| Return on Equity (ROE) | 5.2756% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.2756% | 2,791 |
| Net charge-offs to loans | 1.4087% | 1,445 |
| Credit loss provision to net charge-offs | 92.4453% | 4,675 |
| Earnings coverage of net charge-offs (x) | 1.5109% | 4,595 |
| Efficiency ratio | 60.5195% | 5,869 |
| Assets per employee ($millions) | 3.8863% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,491 |
| Loan loss allowance to noncurrent loans | 124.4821% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.6096% | 4,036 |
| Noncurrent loans to loans | 1.1199% | 5,002 |
| Net loans and leases to total assets | 66.8368% | 3,502 |
| Net loans and leases to deposits | 75.5075% | 4,263 |
| Net loans and leases to core deposits | 76.2799% | 5,023 |
| Total domestic deposits to total assets | 88.5167% | 1,661 |
| Equity capital to assets | 9.9308% | 4,248 |
| Core capital (leverage) ratio | 9.9223% | 3,330 |
| Tier 1 risk-based capital ratio | 14.9672% | 3,264 |
| Total risk-based capital ratio | 16.2174% | 3,250 |
| Memoranda: | ||
| Average total assets | $67,479,000 | 6,014 |
| Average earning assets | $63,048,250 | 5,952 |
| Average equity | $6,798,500 | 6,178 |
| Average total loans | $47,607,000 | 5,658 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 3,772 |
| Cost of funding earning assets | 1.5182% | 3,146 |
| Net interest margin | 3.7200% | 4,269 |
| Noninterest income to average assets | 0.4021% | 4,898 |
| Noninterest expense to average assets | 2.2264% | 6,582 |
| Loan and lease loss provision to assets | 1.0952% | 1,311 |
| Net operating income to assets | 0.5161% | 4,255 |
| Return on assets (ROA) | 0.5161% | 4,413 |
| Pretax return on assets | 0.5581% | 4,708 |
| Return on Equity (ROE) | 5.0971% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.0971% | 2,849 |
| Net charge-offs to loans | 1.6446% | 1,153 |
| Credit loss provision to net charge-offs | 93.1122% | 4,328 |
| Earnings coverage of net charge-offs (x) | 1.4056% | 4,432 |
| Efficiency ratio | 57.3859% | 6,465 |
| Assets per employee ($millions) | 3.8433% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 4,670 |
| Loan loss allowance to noncurrent loans | 128.2443% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 1.5265% | 4,169 |
| Noncurrent loans to loans | 1.0549% | 5,208 |
| Net loans and leases to total assets | 70.8326% | 2,705 |
| Net loans and leases to deposits | 82.3951% | 3,200 |
| Net loans and leases to core deposits | 82.9179% | 4,293 |
| Total domestic deposits to total assets | 85.9670% | 3,113 |
| Equity capital to assets | 9.8873% | 4,158 |
| Core capital (leverage) ratio | 9.5896% | 3,687 |
| Tier 1 risk-based capital ratio | 14.4613% | 3,468 |
| Total risk-based capital ratio | 15.7139% | 3,427 |
| Memoranda: | ||
| Average total assets | $66,654,000 | 6,079 |
| Average earning assets | $62,312,000 | 6,014 |
| Average equity | $6,749,000 | 6,221 |
| Average total loans | $47,670,670 | 5,698 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 4,042 |
| Cost of funding earning assets | 1.5562% | 3,229 |
| Net interest margin | 3.6400% | 4,539 |
| Noninterest income to average assets | 0.3854% | 5,044 |
| Noninterest expense to average assets | 2.2755% | 6,463 |
| Loan and lease loss provision to assets | 0.9481% | 1,327 |
| Net operating income to assets | 0.4894% | 4,443 |
| Return on assets (ROA) | 0.4894% | 4,579 |
| Pretax return on assets | 0.5383% | 4,823 |
| Return on Equity (ROE) | 4.7736% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.7736% | 3,283 |
| Net charge-offs to loans | 1.5771% | 1,101 |
| Credit loss provision to net charge-offs | 84.2391% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.3207% | 3,954 |
| Efficiency ratio | 60.4878% | 6,082 |
| Assets per employee ($millions) | 3.6160% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 4,276 |
| Loan loss allowance to noncurrent loans | 84.4893% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 2.1878% | 3,291 |
| Noncurrent loans to loans | 1.6905% | 4,208 |
| Net loans and leases to total assets | 71.0407% | 2,687 |
| Net loans and leases to deposits | 79.6428% | 3,722 |
| Net loans and leases to core deposits | 79.6428% | 4,807 |
| Total domestic deposits to total assets | 89.1992% | 1,418 |
| Equity capital to assets | 10.3752% | 3,370 |
| Core capital (leverage) ratio | 10.2597% | 2,861 |
| Tier 1 risk-based capital ratio | 14.7604% | 3,227 |
| Total risk-based capital ratio | 16.0127% | 3,186 |
| Memoranda: | ||
| Average total assets | $65,391,000 | 6,195 |
| Average earning assets | $60,660,000 | 6,146 |
| Average equity | $6,703,500 | 6,285 |
| Average total loans | $46,669,000 | 5,811 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 2,401 |
| Cost of funding earning assets | 1.9510% | 3,205 |
| Net interest margin | 3.9104% | 3,226 |
| Noninterest income to average assets | 0.4823% | 4,547 |
| Noninterest expense to average assets | 2.4038% | 6,454 |
| Loan and lease loss provision to assets | 1.5660% | 1,466 |
| Net operating income to assets | 0.2474% | 4,728 |
| Return on assets (ROA) | 0.2474% | 4,808 |
| Pretax return on assets | 0.1159% | 5,183 |
| Return on Equity (ROE) | 2.3719% | 4,755 |
| Retained earnings to average equity (ytd only) | 0.8707% | 4,414 |
| Net charge-offs to loans | 1.8223% | 1,367 |
| Credit loss provision to net charge-offs | 118.9061% | 4,519 |
| Earnings coverage of net charge-offs (x) | 1.2771% | 4,850 |
| Efficiency ratio | 58.8348% | 6,643 |
| Assets per employee ($millions) | 3.6497% | 4,651 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 3,693 |
| Loan loss allowance to noncurrent loans | 67.1470% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 2.5771% | 2,721 |
| Noncurrent loans to loans | 2.2421% | 3,345 |
| Net loans and leases to total assets | 69.6106% | 3,338 |
| Net loans and leases to deposits | 77.8502% | 4,408 |
| Net loans and leases to core deposits | 90.2186% | 5,101 |
| Total domestic deposits to total assets | 89.4161% | 1,260 |
| Equity capital to assets | 10.1288% | 3,589 |
| Core capital (leverage) ratio | 10.1064% | 2,990 |
| Tier 1 risk-based capital ratio | 14.7505% | 3,076 |
| Total risk-based capital ratio | 16.0035% | 3,028 |
| Memoranda: | ||
| Average total assets | $63,856,600 | 6,208 |
| Average earning assets | $58,842,800 | 6,176 |
| Average equity | $6,661,200 | 6,374 |
| Average total loans | $46,149,800 | 5,830 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0031% | 2,027 |
| Cost of funding earning assets | 2.0360% | 3,186 |
| Net interest margin | 3.9671% | 2,954 |
| Noninterest income to average assets | 0.4963% | 4,514 |
| Noninterest expense to average assets | 2.3786% | 6,479 |
| Loan and lease loss provision to assets | 1.1567% | 1,677 |
| Net operating income to assets | 0.5805% | 3,678 |
| Return on assets (ROA) | 0.5805% | 3,748 |
| Pretax return on assets | 0.6204% | 4,127 |
| Return on Equity (ROE) | 5.5229% | 3,724 |
| Retained earnings to average equity (ytd only) | 3.6219% | 3,260 |
| Net charge-offs to loans | 1.1516% | 1,757 |
| Credit loss provision to net charge-offs | 138.1910% | 3,582 |
| Earnings coverage of net charge-offs (x) | 2.1231% | 4,229 |
| Efficiency ratio | 57.2368% | 6,837 |
| Assets per employee ($millions) | 3.6703% | 4,500 |
| Cash dividends to net income (ytd only)* | 34.4194% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 3,568 |
| Loan loss allowance to noncurrent loans | 58.6938% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.1439% | 2,174 |
| Noncurrent loans to loans | 2.5152% | 2,993 |
| Net loans and leases to total assets | 69.9054% | 3,542 |
| Net loans and leases to deposits | 78.3108% | 4,698 |
| Net loans and leases to core deposits | 90.6331% | 5,380 |
| Total domestic deposits to total assets | 89.2666% | 1,075 |
| Equity capital to assets | 10.2929% | 3,744 |
| Core capital (leverage) ratio | 10.4032% | 2,880 |
| Tier 1 risk-based capital ratio | 14.9195% | 3,077 |
| Total risk-based capital ratio | 16.1730% | 3,016 |
| Memoranda: | ||
| Average total assets | $63,397,250 | 6,269 |
| Average earning assets | $58,479,500 | 6,237 |
| Average equity | $6,663,000 | 6,427 |
| Average total loans | $46,080,000 | 5,880 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0942% | 1,808 |
| Cost of funding earning assets | 2.1540% | 3,025 |
| Net interest margin | 3.9402% | 2,925 |
| Noninterest income to average assets | 0.4383% | 4,952 |
| Noninterest expense to average assets | 2.4253% | 6,384 |
| Loan and lease loss provision to assets | 1.1199% | 1,530 |
| Net operating income to assets | 0.4607% | 4,250 |
| Return on assets (ROA) | 0.4607% | 4,367 |
| Pretax return on assets | 0.4927% | 4,645 |
| Return on Equity (ROE) | 4.3522% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.4810% | 4,501 |
| Net charge-offs to loans | 1.2398% | 1,487 |
| Credit loss provision to net charge-offs | 123.2394% | 3,773 |
| Earnings coverage of net charge-offs (x) | 1.7746% | 4,227 |
| Efficiency ratio | 60.0634% | 6,541 |
| Assets per employee ($millions) | 3.5231% | 4,757 |
| Cash dividends to net income (ytd only)* | 65.9722% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,270 |
| Loan loss allowance to noncurrent loans | 56.9014% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 2.5924% | 2,481 |
| Noncurrent loans to loans | 2.2849% | 3,155 |
| Net loans and leases to total assets | 72.5459% | 3,076 |
| Net loans and leases to deposits | 81.5070% | 4,298 |
| Net loans and leases to core deposits | 95.8757% | 4,914 |
| Total domestic deposits to total assets | 89.0058% | 1,271 |
| Equity capital to assets | 10.4833% | 3,421 |
| Core capital (leverage) ratio | 10.1762% | 3,121 |
| Tier 1 risk-based capital ratio | 14.9446% | 3,047 |
| Total risk-based capital ratio | 16.1958% | 2,987 |
| Memoranda: | ||
| Average total assets | $62,508,000 | 6,357 |
| Average earning assets | $57,103,330 | 6,344 |
| Average equity | $6,617,330 | 6,491 |
| Average total loans | $45,815,000 | 5,939 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0757% | 2,043 |
| Cost of funding earning assets | 2.2273% | 3,025 |
| Net interest margin | 3.8484% | 3,255 |
| Noninterest income to average assets | 0.4383% | 4,888 |
| Noninterest expense to average assets | 2.2561% | 6,674 |
| Loan and lease loss provision to assets | 0.4834% | 2,544 |
| Net operating income to assets | 0.9153% | 2,634 |
| Return on assets (ROA) | 0.9153% | 2,777 |
| Pretax return on assets | 1.2183% | 2,556 |
| Return on Equity (ROE) | 8.6035% | 2,883 |
| Retained earnings to average equity (ytd only) | 2.8476% | 4,287 |
| Net charge-offs to loans | 0.4932% | 2,228 |
| Credit loss provision to net charge-offs | 133.9286% | 3,019 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 2,828 |
| Efficiency ratio | 57.0033% | 6,829 |
| Assets per employee ($millions) | 3.6802% | 4,379 |
| Cash dividends to net income (ytd only)* | 66.9014% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 4,664 |
| Loan loss allowance to noncurrent loans | 39.9857% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 3.2815% | 1,680 |
| Noncurrent loans to loans | 3.0518% | 2,135 |
| Net loans and leases to total assets | 72.3271% | 3,166 |
| Net loans and leases to deposits | 81.4054% | 4,390 |
| Net loans and leases to core deposits | 94.8856% | 5,074 |
| Total domestic deposits to total assets | 88.8480% | 1,306 |
| Equity capital to assets | 10.6245% | 3,354 |
| Core capital (leverage) ratio | 10.5754% | 2,842 |
| Tier 1 risk-based capital ratio | 15.1855% | 2,977 |
| Total risk-based capital ratio | 16.4364% | 2,934 |
| Memoranda: | ||
| Average total assets | $62,054,500 | 6,398 |
| Average earning assets | $56,750,500 | 6,387 |
| Average equity | $6,602,000 | 6,544 |
| Average total loans | $45,417,000 | 5,989 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3501% | 3,692 |
| Cost of funding earning assets | 2.7242% | 3,042 |
| Net interest margin | 3.6260% | 4,765 |
| Noninterest income to average assets | 0.4270% | 5,242 |
| Noninterest expense to average assets | 2.3396% | 6,590 |
| Loan and lease loss provision to assets | 0.5952% | 2,446 |
| Net operating income to assets | 0.7492% | 3,676 |
| Return on assets (ROA) | 0.7492% | 3,513 |
| Pretax return on assets | 0.8746% | 3,813 |
| Return on Equity (ROE) | 7.3495% | 3,344 |
| Retained earnings to average equity (ytd only) | 3.8305% | 2,747 |
| Net charge-offs to loans | 0.7853% | 1,585 |
| Credit loss provision to net charge-offs | 108.6957% | 4,948 |
| Earnings coverage of net charge-offs (x) | 2.6841% | 4,739 |
| Efficiency ratio | 61.4167% | 6,073 |
| Assets per employee ($millions) | 3.6204% | 4,369 |
| Cash dividends to net income (ytd only)* | 47.8814% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 4,535 |
| Loan loss allowance to noncurrent loans | 45.8404% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 3.0416% | 1,509 |
| Noncurrent loans to loans | 2.6163% | 2,070 |
| Net loans and leases to total assets | 72.2793% | 3,521 |
| Net loans and leases to deposits | 81.3492% | 4,817 |
| Net loans and leases to core deposits | 95.2712% | 5,316 |
| Total domestic deposits to total assets | 88.8506% | 1,100 |
| Equity capital to assets | 10.6538% | 3,338 |
| Core capital (leverage) ratio | 10.4399% | 3,030 |
| Tier 1 risk-based capital ratio | 15.2219% | 2,946 |
| Total risk-based capital ratio | 16.4732% | 2,875 |
| Memoranda: | ||
| Average total assets | $63,002,200 | 6,278 |
| Average earning assets | $58,770,400 | 6,229 |
| Average equity | $6,422,200 | 6,673 |
| Average total loans | $43,931,800 | 5,984 |