Home > Bank of Erath > Performance and Condition Ratios
Bank of Erath, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 2,348 |
| Cost of funding earning assets | 0.6919% | 3,941 |
| Net interest margin | 4.1753% | 971 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 3.2297% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8477% | 2,712 |
| Return on assets (ROA) | 0.8477% | 2,690 |
| Pretax return on assets | 1.0272% | 2,594 |
| Return on Equity (ROE) | 8.3000% | 2,944 |
| Retained earnings to average equity (ytd only) | 5.3422% | 2,471 |
| Net charge-offs to loans | -0.0722% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.8698% | 1,253 |
| Assets per employee ($millions) | 4.2434% | 4,065 |
| Cash dividends to net income (ytd only)* | 35.6629% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,337 |
| Loan loss allowance to noncurrent loans | 70.1899% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 452 |
| Noncurrent loans to loans | 2.0147% | 274 |
| Net loans and leases to total assets | 51.7200% | 3,497 |
| Net loans and leases to deposits | 60.4073% | 3,499 |
| Net loans and leases to core deposits | 65.1398% | 3,534 |
| Total domestic deposits to total assets | 85.6200% | 2,132 |
| Equity capital to assets | 10.8343% | 1,567 |
| Core capital (leverage) ratio | 13.1207% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $114,778,000 | 3,701 |
| Average earning assets | $104,640,200 | 3,699 |
| Average equity | $11,718,000 | 3,554 |
| Average total loans | $63,702,400 | 3,652 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 2,237 |
| Cost of funding earning assets | 0.5484% | 4,062 |
| Net interest margin | 4.2609% | 849 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 3.2256% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8499% | 2,859 |
| Return on assets (ROA) | 0.8499% | 2,842 |
| Pretax return on assets | 1.0682% | 2,663 |
| Return on Equity (ROE) | 8.4500% | 3,074 |
| Retained earnings to average equity (ytd only) | 8.0500% | 1,950 |
| Net charge-offs to loans | -0.0991% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.1217% | 1,258 |
| Assets per employee ($millions) | 4.1445% | 4,102 |
| Cash dividends to net income (ytd only)* | 4.7814% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 1,731 |
| Loan loss allowance to noncurrent loans | 114.6900% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 862 |
| Noncurrent loans to loans | 1.1610% | 677 |
| Net loans and leases to total assets | 56.3500% | 3,171 |
| Net loans and leases to deposits | 65.5438% | 3,168 |
| Net loans and leases to core deposits | 70.7534% | 3,177 |
| Total domestic deposits to total assets | 85.9800% | 2,200 |
| Equity capital to assets | 10.3251% | 1,631 |
| Core capital (leverage) ratio | 13.1121% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $114,829,750 | 3,711 |
| Average earning assets | $104,545,000 | 3,716 |
| Average equity | $11,544,250 | 3,571 |
| Average total loans | $64,600,750 | 3,643 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 2,212 |
| Cost of funding earning assets | 0.4136% | 4,142 |
| Net interest margin | 4.2839% | 826 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 3.1967% | 794 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8877% | 2,802 |
| Return on assets (ROA) | 0.8877% | 2,789 |
| Pretax return on assets | 1.1157% | 2,602 |
| Return on Equity (ROE) | 8.9100% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.3008% | 1,875 |
| Net charge-offs to loans | -0.1357% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.1290% | 1,333 |
| Assets per employee ($millions) | 3.6684% | 4,299 |
| Cash dividends to net income (ytd only)* | 6.8093% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,028 |
| Loan loss allowance to noncurrent loans | 91.5676% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 587 |
| Noncurrent loans to loans | 1.3941% | 502 |
| Net loans and leases to total assets | 57.6000% | 2,995 |
| Net loans and leases to deposits | 67.4003% | 2,956 |
| Net loans and leases to core deposits | 72.3213% | 2,996 |
| Total domestic deposits to total assets | 85.4600% | 2,405 |
| Equity capital to assets | 10.3466% | 1,659 |
| Core capital (leverage) ratio | 12.7713% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $115,805,667 | 3,717 |
| Average earning assets | $105,417,667 | 3,718 |
| Average equity | $11,541,000 | 3,587 |
| Average total loans | $64,831,000 | 3,640 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 2,110 |
| Cost of funding earning assets | 0.3045% | 4,188 |
| Net interest margin | 4.2860% | 824 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 3.1220% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9482% | 2,697 |
| Return on assets (ROA) | 0.9482% | 2,656 |
| Pretax return on assets | 1.1844% | 2,466 |
| Return on Equity (ROE) | 9.7000% | 2,876 |
| Retained earnings to average equity (ytd only) | 9.6951% | 1,772 |
| Net charge-offs to loans | -0.0437% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.4960% | 1,495 |
| Assets per employee ($millions) | 3.7343% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,198 |
| Loan loss allowance to noncurrent loans | 75.6530% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 435 |
| Noncurrent loans to loans | 1.6752% | 372 |
| Net loans and leases to total assets | 54.5800% | 3,155 |
| Net loans and leases to deposits | 61.2814% | 3,269 |
| Net loans and leases to core deposits | 65.4658% | 3,264 |
| Total domestic deposits to total assets | 89.0600% | 1,524 |
| Equity capital to assets | 10.1156% | 1,761 |
| Core capital (leverage) ratio | 12.3579% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $116,849,000 | 3,753 |
| Average earning assets | $106,393,000 | 3,757 |
| Average equity | $11,428,500 | 3,629 |
| Average total loans | $64,070,500 | 3,694 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 1,890 |
| Cost of funding earning assets | 0.2398% | 3,418 |
| Net interest margin | 3.6981% | 1,382 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 3.1776% | 749 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4257% | 4,214 |
| Return on assets (ROA) | 0.4257% | 4,178 |
| Pretax return on assets | 0.5207% | 4,150 |
| Return on Equity (ROE) | 4.2600% | 4,120 |
| Retained earnings to average equity (ytd only) | 1.8906% | 4,002 |
| Net charge-offs to loans | 0.1145% | 656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.5278% | 2,262 |
| Efficiency ratio | 85.9207% | 423 |
| Assets per employee ($millions) | 3.4687% | 4,443 |
| Cash dividends to net income (ytd only)* | 55.5777% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,126 |
| Loan loss allowance to noncurrent loans | 92.9480% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 613 |
| Noncurrent loans to loans | 1.3485% | 507 |
| Net loans and leases to total assets | 53.7100% | 3,228 |
| Net loans and leases to deposits | 59.7953% | 3,337 |
| Net loans and leases to core deposits | 64.0799% | 3,260 |
| Total domestic deposits to total assets | 89.8200% | 1,440 |
| Equity capital to assets | 9.4517% | 2,042 |
| Core capital (leverage) ratio | 12.0501% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $117,919,200 | 3,748 |
| Average earning assets | $108,840,400 | 3,733 |
| Average equity | $11,795,400 | 3,683 |
| Average total loans | $62,877,600 | 3,683 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 1,786 |
| Cost of funding earning assets | 0.2320% | 2,906 |
| Net interest margin | 3.5596% | 1,489 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 3.0993% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3550% | 4,316 |
| Return on assets (ROA) | 0.3550% | 4,262 |
| Pretax return on assets | 0.4455% | 4,214 |
| Return on Equity (ROE) | 3.5000% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.1109% | 3,750 |
| Net charge-offs to loans | 0.0703% | 801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 11.9394% | 1,934 |
| Efficiency ratio | 87.4322% | 403 |
| Assets per employee ($millions) | 3.3348% | 4,517 |
| Cash dividends to net income (ytd only)* | 11.1465% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,175 |
| Loan loss allowance to noncurrent loans | 90.2674% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 628 |
| Noncurrent loans to loans | 1.4064% | 511 |
| Net loans and leases to total assets | 56.2400% | 2,881 |
| Net loans and leases to deposits | 62.4587% | 2,987 |
| Net loans and leases to core deposits | 66.7867% | 2,895 |
| Total domestic deposits to total assets | 90.0400% | 1,638 |
| Equity capital to assets | 9.0929% | 2,143 |
| Core capital (leverage) ratio | 12.0318% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $117,915,000 | 3,772 |
| Average earning assets | $109,186,250 | 3,761 |
| Average equity | $11,957,500 | 3,715 |
| Average total loans | $62,560,250 | 3,707 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 1,768 |
| Cost of funding earning assets | 0.2255% | 2,578 |
| Net interest margin | 3.3972% | 1,616 |
| Noninterest income to average assets | 0.1454% | 4,292 |
| Noninterest expense to average assets | 3.1442% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1319% | 4,488 |
| Return on assets (ROA) | 0.1319% | 4,454 |
| Pretax return on assets | 0.1589% | 4,442 |
| Return on Equity (ROE) | 1.2575% | 4,430 |
| Retained earnings to average equity (ytd only) | 0.6932% | 4,058 |
| Net charge-offs to loans | 0.1175% | 523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.6111% | 2,025 |
| Efficiency ratio | 95.1894% | 257 |
| Assets per employee ($millions) | 3.7049% | 4,488 |
| Cash dividends to net income (ytd only)* | 44.8718% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,215 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 630 |
| Noncurrent loans to loans | 1.5106% | 492 |
| Net loans and leases to total assets | 54.0124% | 2,962 |
| Net loans and leases to deposits | 60.3703% | 3,026 |
| Net loans and leases to core deposits | 63.2879% | 3,021 |
| Total domestic deposits to total assets | 89.4684% | 1,964 |
| Equity capital to assets | 9.6991% | 1,883 |
| Core capital (leverage) ratio | 11.6892% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,314,333 | 3,812 |
| Average earning assets | $109,971,667 | 3,807 |
| Average equity | $12,405,667 | 3,746 |
| Average total loans | $61,253,667 | 3,767 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4154% | 2,039 |
| Cost of funding earning assets | 0.2202% | 2,524 |
| Net interest margin | 3.1952% | 1,898 |
| Noninterest income to average assets | 0.1015% | 4,499 |
| Noninterest expense to average assets | 3.4486% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3520% | 4,675 |
| Return on assets (ROA) | -0.3520% | 4,659 |
| Pretax return on assets | -0.3520% | 4,651 |
| Return on Equity (ROE) | -3.2351% | 4,668 |
| Retained earnings to average equity (ytd only) | -3.2351% | 4,328 |
| Net charge-offs to loans | 0.2490% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -2.8108% | 1,801 |
| Efficiency ratio | 111.3661% | 120 |
| Assets per employee ($millions) | 3.3997% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,865 |
| Loan loss allowance to noncurrent loans | 85.1777% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 659 |
| Noncurrent loans to loans | 1.6569% | 477 |
| Net loans and leases to total assets | 49.2558% | 3,249 |
| Net loans and leases to deposits | 55.3609% | 3,313 |
| Net loans and leases to core deposits | 58.1887% | 3,292 |
| Total domestic deposits to total assets | 88.9723% | 2,097 |
| Equity capital to assets | 10.1571% | 1,785 |
| Core capital (leverage) ratio | 11.6512% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,192,500 | 3,835 |
| Average earning assets | $110,791,500 | 3,810 |
| Average equity | $12,859,000 | 3,774 |
| Average total loans | $59,442,500 | 3,800 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 1,311 |
| Cost of funding earning assets | 0.3195% | 2,202 |
| Net interest margin | 3.7027% | 1,206 |
| Noninterest income to average assets | 0.4295% | 2,906 |
| Noninterest expense to average assets | 3.3944% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4198% | 4,243 |
| Return on assets (ROA) | 0.4198% | 4,281 |
| Pretax return on assets | 0.5092% | 4,243 |
| Return on Equity (ROE) | 3.4667% | 4,301 |
| Retained earnings to average equity (ytd only) | 1.4475% | 4,136 |
| Net charge-offs to loans | -0.2897% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9555% | 427 |
| Assets per employee ($millions) | 3.4528% | 4,599 |
| Cash dividends to net income (ytd only)* | 58.2463% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,651 |
| Loan loss allowance to noncurrent loans | 102.8169% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 861 |
| Noncurrent loans to loans | 1.4335% | 644 |
| Net loans and leases to total assets | 49.8833% | 3,291 |
| Net loans and leases to deposits | 56.6054% | 3,373 |
| Net loans and leases to core deposits | 59.3451% | 3,369 |
| Total domestic deposits to total assets | 88.1246% | 1,978 |
| Equity capital to assets | 11.6122% | 1,451 |
| Core capital (leverage) ratio | 11.8995% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,098,600 | 3,856 |
| Average earning assets | $107,056,400 | 3,835 |
| Average equity | $13,817,200 | 3,761 |
| Average total loans | $64,550,200 | 3,753 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 1,214 |
| Cost of funding earning assets | 0.3545% | 2,073 |
| Net interest margin | 3.7871% | 1,142 |
| Noninterest income to average assets | 0.4332% | 2,913 |
| Noninterest expense to average assets | 3.3640% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4885% | 4,226 |
| Return on assets (ROA) | 0.4885% | 4,272 |
| Pretax return on assets | 0.6156% | 4,214 |
| Return on Equity (ROE) | 3.9912% | 4,302 |
| Retained earnings to average equity (ytd only) | 3.9912% | 3,578 |
| Net charge-offs to loans | -0.3686% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5312% | 496 |
| Assets per employee ($millions) | 3.3329% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,493 |
| Loan loss allowance to noncurrent loans | 221.6285% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 2,051 |
| Noncurrent loans to loans | 0.5863% | 1,846 |
| Net loans and leases to total assets | 58.3856% | 2,438 |
| Net loans and leases to deposits | 66.9920% | 2,541 |
| Net loans and leases to core deposits | 70.0194% | 2,595 |
| Total domestic deposits to total assets | 87.1531% | 2,289 |
| Equity capital to assets | 12.3616% | 1,236 |
| Core capital (leverage) ratio | 12.1827% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,274,750 | 3,911 |
| Average earning assets | $106,076,750 | 3,890 |
| Average equity | $13,863,500 | 3,802 |
| Average total loans | $65,828,750 | 3,784 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 1,057 |
| Cost of funding earning assets | 0.3854% | 2,010 |
| Net interest margin | 3.8849% | 999 |
| Noninterest income to average assets | 0.4344% | 2,933 |
| Noninterest expense to average assets | 3.3834% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5351% | 4,150 |
| Return on assets (ROA) | 0.5351% | 4,197 |
| Pretax return on assets | 0.6640% | 4,139 |
| Return on Equity (ROE) | 4.3864% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.3864% | 3,402 |
| Net charge-offs to loans | -0.1223% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5951% | 573 |
| Assets per employee ($millions) | 3.3817% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,464 |
| Loan loss allowance to noncurrent loans | 252.2491% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 2,665 |
| Noncurrent loans to loans | 0.4318% | 2,385 |
| Net loans and leases to total assets | 57.5733% | 2,720 |
| Net loans and leases to deposits | 65.7659% | 2,844 |
| Net loans and leases to core deposits | 68.4883% | 2,918 |
| Total domestic deposits to total assets | 87.5427% | 2,075 |
| Equity capital to assets | 12.1033% | 1,315 |
| Core capital (leverage) ratio | 12.0487% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,260,000 | 3,932 |
| Average earning assets | $105,332,000 | 3,919 |
| Average equity | $13,815,333 | 3,808 |
| Average total loans | $65,427,333 | 3,806 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 1,265 |
| Cost of funding earning assets | 0.4213% | 1,931 |
| Net interest margin | 3.7420% | 1,248 |
| Noninterest income to average assets | 0.4555% | 2,808 |
| Noninterest expense to average assets | 3.4626% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3772% | 4,401 |
| Return on assets (ROA) | 0.3772% | 4,429 |
| Pretax return on assets | 0.4697% | 4,396 |
| Return on Equity (ROE) | 3.0803% | 4,457 |
| Retained earnings to average equity (ytd only) | 3.0803% | 3,755 |
| Net charge-offs to loans | -0.0433% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0543% | 440 |
| Assets per employee ($millions) | 3.3601% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,546 |
| Loan loss allowance to noncurrent loans | 84.0580% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 1,187 |
| Noncurrent loans to loans | 1.2782% | 1,015 |
| Net loans and leases to total assets | 56.0953% | 3,025 |
| Net loans and leases to deposits | 63.8978% | 3,133 |
| Net loans and leases to core deposits | 66.7205% | 3,182 |
| Total domestic deposits to total assets | 87.7892% | 1,954 |
| Equity capital to assets | 11.9990% | 1,283 |
| Core capital (leverage) ratio | 12.1184% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,401,500 | 3,947 |
| Average earning assets | $104,437,000 | 3,931 |
| Average equity | $13,765,000 | 3,818 |
| Average total loans | $64,678,500 | 3,833 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 1,025 |
| Cost of funding earning assets | 0.5605% | 2,558 |
| Net interest margin | 4.0764% | 833 |
| Noninterest income to average assets | 0.3834% | 3,190 |
| Noninterest expense to average assets | 3.6021% | 595 |
| Loan and lease loss provision to assets | 0.2391% | 1,628 |
| Net operating income to assets | 0.2802% | 4,462 |
| Return on assets (ROA) | 0.2802% | 4,527 |
| Pretax return on assets | 0.3184% | 4,520 |
| Return on Equity (ROE) | 2.1161% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.8667% | 4,269 |
| Net charge-offs to loans | 0.3826% | 449 |
| Credit loss provision to net charge-offs | 93.6330% | 2,900 |
| Earnings coverage of net charge-offs (x) | 2.1835% | 3,189 |
| Efficiency ratio | 86.5977% | 510 |
| Assets per employee ($millions) | 3.2518% | 4,737 |
| Cash dividends to net income (ytd only)* | 59.0444% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,612 |
| Loan loss allowance to noncurrent loans | 108.8468% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 1,708 |
| Noncurrent loans to loans | 0.9802% | 1,441 |
| Net loans and leases to total assets | 57.7849% | 3,108 |
| Net loans and leases to deposits | 66.2405% | 3,247 |
| Net loans and leases to core deposits | 69.4915% | 3,285 |
| Total domestic deposits to total assets | 87.2350% | 1,827 |
| Equity capital to assets | 12.5018% | 1,324 |
| Core capital (leverage) ratio | 12.4861% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,578,600 | 3,937 |
| Average earning assets | $96,874,200 | 3,924 |
| Average equity | $13,846,200 | 3,781 |
| Average total loans | $69,790,400 | 3,740 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 835 |
| Cost of funding earning assets | 0.5837% | 2,718 |
| Net interest margin | 4.2504% | 656 |
| Noninterest income to average assets | 0.3686% | 3,248 |
| Noninterest expense to average assets | 3.5103% | 699 |
| Loan and lease loss provision to assets | 0.2590% | 1,563 |
| Net operating income to assets | 0.4346% | 4,194 |
| Return on assets (ROA) | 0.4346% | 4,261 |
| Pretax return on assets | 0.5458% | 4,198 |
| Return on Equity (ROE) | 3.2341% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.2341% | 3,425 |
| Net charge-offs to loans | 0.5101% | 291 |
| Credit loss provision to net charge-offs | 73.5294% | 2,793 |
| Earnings coverage of net charge-offs (x) | 2.2868% | 3,003 |
| Efficiency ratio | 81.3549% | 765 |
| Assets per employee ($millions) | 3.2831% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,088 |
| Loan loss allowance to noncurrent loans | 52.1811% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 831 |
| Noncurrent loans to loans | 1.7162% | 793 |
| Net loans and leases to total assets | 66.7850% | 2,412 |
| Net loans and leases to deposits | 77.5719% | 2,578 |
| Net loans and leases to core deposits | 81.0646% | 2,746 |
| Total domestic deposits to total assets | 86.0943% | 2,022 |
| Equity capital to assets | 13.3698% | 1,042 |
| Core capital (leverage) ratio | 13.0418% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,083,250 | 3,952 |
| Average earning assets | $95,706,000 | 3,942 |
| Average equity | $13,852,250 | 3,777 |
| Average total loans | $71,094,000 | 3,724 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 792 |
| Cost of funding earning assets | 0.6007% | 2,960 |
| Net interest margin | 4.4237% | 591 |
| Noninterest income to average assets | 0.4140% | 2,995 |
| Noninterest expense to average assets | 3.5616% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7693% | 3,162 |
| Return on assets (ROA) | 0.7693% | 3,273 |
| Pretax return on assets | 0.9646% | 3,131 |
| Return on Equity (ROE) | 5.7153% | 3,599 |
| Retained earnings to average equity (ytd only) | 4.8594% | 2,543 |
| Net charge-offs to loans | 0.1292% | 1,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.7391% | 2,132 |
| Efficiency ratio | 78.6885% | 987 |
| Assets per employee ($millions) | 3.2241% | 4,777 |
| Cash dividends to net income (ytd only)* | 14.9746% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 4,016 |
| Loan loss allowance to noncurrent loans | 71.1974% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 1,334 |
| Noncurrent loans to loans | 1.2589% | 1,238 |
| Net loans and leases to total assets | 68.5894% | 2,249 |
| Net loans and leases to deposits | 79.5039% | 2,487 |
| Net loans and leases to core deposits | 83.0063% | 2,688 |
| Total domestic deposits to total assets | 86.2718% | 1,903 |
| Equity capital to assets | 13.2545% | 1,061 |
| Core capital (leverage) ratio | 13.1467% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1898% | 650 |
| Memoranda: | ||
| Average total assets | $102,425,000 | 3,962 |
| Average earning assets | $95,214,333 | 3,949 |
| Average equity | $13,787,667 | 3,792 |
| Average total loans | $71,193,000 | 3,727 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 1,193 |
| Cost of funding earning assets | 0.6231% | 3,315 |
| Net interest margin | 4.2760% | 798 |
| Noninterest income to average assets | 0.3982% | 3,118 |
| Noninterest expense to average assets | 3.9187% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3584% | 4,221 |
| Return on assets (ROA) | 0.3584% | 4,254 |
| Pretax return on assets | 0.4421% | 4,218 |
| Return on Equity (ROE) | 2.6411% | 4,303 |
| Retained earnings to average equity (ytd only) | 0.9097% | 3,769 |
| Net charge-offs to loans | -0.0286% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8630% | 506 |
| Assets per employee ($millions) | 2.8843% | 4,838 |
| Cash dividends to net income (ytd only)* | 65.5556% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,673 |
| Loan loss allowance to noncurrent loans | 86.9353% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 1,552 |
| Noncurrent loans to loans | 1.1577% | 1,430 |
| Net loans and leases to total assets | 69.3736% | 2,343 |
| Net loans and leases to deposits | 80.4041% | 2,638 |
| Net loans and leases to core deposits | 84.4390% | 2,812 |
| Total domestic deposits to total assets | 86.2812% | 1,881 |
| Equity capital to assets | 13.4504% | 1,244 |
| Core capital (leverage) ratio | 13.4965% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6088% | 687 |
| Memoranda: | ||
| Average total assets | $100,440,500 | 3,984 |
| Average earning assets | $93,077,500 | 3,985 |
| Average equity | $13,630,500 | 3,819 |
| Average total loans | $69,972,000 | 3,762 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 1,333 |
| Cost of funding earning assets | 0.5645% | 3,804 |
| Net interest margin | 4.4904% | 729 |
| Noninterest income to average assets | 0.3021% | 3,882 |
| Noninterest expense to average assets | 3.7235% | 739 |
| Loan and lease loss provision to assets | 0.0991% | 2,070 |
| Net operating income to assets | 0.5458% | 4,303 |
| Return on assets (ROA) | 0.5458% | 4,361 |
| Pretax return on assets | 0.6557% | 4,313 |
| Return on Equity (ROE) | 4.0321% | 4,448 |
| Retained earnings to average equity (ytd only) | 1.9904% | 4,007 |
| Net charge-offs to loans | -0.0127% | 4,535 |
| Credit loss provision to net charge-offs | -1,111.1111% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1453% | 719 |
| Assets per employee ($millions) | 2.8552% | 4,883 |
| Cash dividends to net income (ytd only)* | 50.6352% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 3,381 |
| Loan loss allowance to noncurrent loans | 84.0476% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 1,430 |
| Noncurrent loans to loans | 1.2139% | 1,236 |
| Net loans and leases to total assets | 68.5406% | 2,605 |
| Net loans and leases to deposits | 79.9221% | 2,786 |
| Net loans and leases to core deposits | 83.1591% | 3,028 |
| Total domestic deposits to total assets | 85.7593% | 2,158 |
| Equity capital to assets | 13.6923% | 1,215 |
| Core capital (leverage) ratio | 13.4533% | 1,068 |
| Tier 1 risk-based capital ratio | 20.7475% | 1,211 |
| Total risk-based capital ratio | 21.8275% | 1,210 |
| Memoranda: | ||
| Average total assets | $100,953,800 | 3,987 |
| Average earning assets | $93,890,200 | 3,972 |
| Average equity | $13,665,400 | 3,792 |
| Average total loans | $70,827,800 | 3,762 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 1,643 |
| Cost of funding earning assets | 0.5465% | 3,950 |
| Net interest margin | 4.4160% | 918 |
| Noninterest income to average assets | 0.4308% | 3,138 |
| Noninterest expense to average assets | 3.5569% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7733% | 3,760 |
| Return on assets (ROA) | 0.7733% | 3,830 |
| Pretax return on assets | 0.9722% | 3,675 |
| Return on Equity (ROE) | 5.7291% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.7291% | 2,491 |
| Net charge-offs to loans | -0.0206% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5340% | 1,051 |
| Assets per employee ($millions) | 3.1070% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 4,303 |
| Loan loss allowance to noncurrent loans | 68.3915% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 1,430 |
| Noncurrent loans to loans | 1.2168% | 1,289 |
| Net loans and leases to total assets | 72.8720% | 2,023 |
| Net loans and leases to deposits | 85.4993% | 2,261 |
| Net loans and leases to core deposits | 89.4923% | 2,588 |
| Total domestic deposits to total assets | 85.2311% | 2,329 |
| Equity capital to assets | 14.1061% | 1,110 |
| Core capital (leverage) ratio | 13.9397% | 1,002 |
| Tier 1 risk-based capital ratio | 20.3981% | 1,304 |
| Total risk-based capital ratio | 21.2730% | 1,328 |
| Memoranda: | ||
| Average total assets | $101,209,250 | 4,026 |
| Average earning assets | $93,928,000 | 4,014 |
| Average equity | $13,661,000 | 3,834 |
| Average total loans | $71,234,750 | 3,795 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 1,875 |
| Cost of funding earning assets | 0.5150% | 4,056 |
| Net interest margin | 4.3470% | 1,050 |
| Noninterest income to average assets | 0.5049% | 2,649 |
| Noninterest expense to average assets | 3.5539% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7898% | 3,693 |
| Return on assets (ROA) | 0.7898% | 3,752 |
| Pretax return on assets | 0.9803% | 3,615 |
| Return on Equity (ROE) | 5.9381% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.9381% | 2,308 |
| Net charge-offs to loans | -0.0283% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3795% | 1,105 |
| Assets per employee ($millions) | 2.9533% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 4,335 |
| Loan loss allowance to noncurrent loans | 50.1653% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3007% | 977 |
| Noncurrent loans to loans | 1.6554% | 928 |
| Net loans and leases to total assets | 72.1893% | 2,186 |
| Net loans and leases to deposits | 84.1862% | 2,472 |
| Net loans and leases to core deposits | 87.7533% | 2,822 |
| Total domestic deposits to total assets | 85.7496% | 2,158 |
| Equity capital to assets | 13.7724% | 1,211 |
| Core capital (leverage) ratio | 13.4368% | 1,139 |
| Tier 1 risk-based capital ratio | 19.8449% | 1,381 |
| Total risk-based capital ratio | 20.7247% | 1,414 |
| Memoranda: | ||
| Average total assets | $101,804,000 | 4,038 |
| Average earning assets | $94,364,000 | 4,031 |
| Average equity | $13,539,670 | 3,857 |
| Average total loans | $70,626,000 | 3,828 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 2,176 |
| Cost of funding earning assets | 0.4761% | 4,177 |
| Net interest margin | 4.2389% | 1,222 |
| Noninterest income to average assets | 0.4917% | 2,609 |
| Noninterest expense to average assets | 3.6800% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6088% | 4,210 |
| Return on assets (ROA) | 0.6088% | 4,251 |
| Pretax return on assets | 0.7376% | 4,200 |
| Return on Equity (ROE) | 4.6585% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.6585% | 3,056 |
| Net charge-offs to loans | -0.0231% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3039% | 763 |
| Assets per employee ($millions) | 3.0336% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 4,313 |
| Loan loss allowance to noncurrent loans | 53.3274% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 1,147 |
| Noncurrent loans to loans | 1.6080% | 984 |
| Net loans and leases to total assets | 67.3702% | 2,846 |
| Net loans and leases to deposits | 77.8740% | 3,072 |
| Net loans and leases to core deposits | 81.0335% | 3,270 |
| Total domestic deposits to total assets | 86.5118% | 2,062 |
| Equity capital to assets | 13.1023% | 1,393 |
| Core capital (leverage) ratio | 13.2378% | 1,171 |
| Tier 1 risk-based capital ratio | 20.4004% | 1,261 |
| Total risk-based capital ratio | 21.3032% | 1,301 |
| Memoranda: | ||
| Average total assets | $102,500,500 | 4,064 |
| Average earning assets | $94,929,500 | 4,056 |
| Average equity | $13,395,000 | 3,892 |
| Average total loans | $69,392,500 | 3,875 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 1,778 |
| Cost of funding earning assets | 0.3581% | 4,229 |
| Net interest margin | 4.3559% | 1,021 |
| Noninterest income to average assets | 0.1876% | 4,785 |
| Noninterest expense to average assets | 3.6092% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5224% | 4,612 |
| Return on assets (ROA) | 0.5224% | 4,609 |
| Pretax return on assets | 0.6024% | 4,623 |
| Return on Equity (ROE) | 3.9631% | 4,719 |
| Retained earnings to average equity (ytd only) | 1.6032% | 4,499 |
| Net charge-offs to loans | 0.1279% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 6.7778% | 3,054 |
| Efficiency ratio | 85.6975% | 546 |
| Assets per employee ($millions) | 2.9103% | 5,039 |
| Cash dividends to net income (ytd only)* | 59.5463% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 4,301 |
| Loan loss allowance to noncurrent loans | 108.9416% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 2,183 |
| Noncurrent loans to loans | 0.7977% | 2,008 |
| Net loans and leases to total assets | 66.8571% | 3,019 |
| Net loans and leases to deposits | 77.1978% | 3,258 |
| Net loans and leases to core deposits | 85.2155% | 2,982 |
| Total domestic deposits to total assets | 86.6050% | 1,962 |
| Equity capital to assets | 13.0337% | 1,328 |
| Core capital (leverage) ratio | 13.0592% | 1,223 |
| Tier 1 risk-based capital ratio | 19.5746% | 1,390 |
| Total risk-based capital ratio | 20.4539% | 1,441 |
| Memoranda: | ||
| Average total assets | $101,269,000 | 4,082 |
| Average earning assets | $93,551,000 | 4,073 |
| Average equity | $13,348,200 | 3,833 |
| Average total loans | $70,358,200 | 3,865 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 1,768 |
| Cost of funding earning assets | 0.3361% | 4,267 |
| Net interest margin | 4.3336% | 1,045 |
| Noninterest income to average assets | 0.4536% | 3,141 |
| Noninterest expense to average assets | 3.4321% | 1,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8069% | 3,877 |
| Return on assets (ROA) | 0.8069% | 3,882 |
| Pretax return on assets | 1.0166% | 3,674 |
| Return on Equity (ROE) | 6.1048% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.7556% | 2,790 |
| Net charge-offs to loans | 0.1206% | 1,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.0470% | 2,476 |
| Efficiency ratio | 77.1488% | 1,211 |
| Assets per employee ($millions) | 2.9861% | 5,044 |
| Cash dividends to net income (ytd only)* | 5.7195% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 4,414 |
| Loan loss allowance to noncurrent loans | 63.1846% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 1,000 |
| Noncurrent loans to loans | 1.3622% | 1,225 |
| Net loans and leases to total assets | 70.6800% | 2,545 |
| Net loans and leases to deposits | 82.0790% | 2,807 |
| Net loans and leases to core deposits | 90.1904% | 2,646 |
| Total domestic deposits to total assets | 86.1122% | 2,139 |
| Equity capital to assets | 13.3943% | 1,172 |
| Core capital (leverage) ratio | 13.4878% | 1,109 |
| Tier 1 risk-based capital ratio | 18.0064% | 1,791 |
| Total risk-based capital ratio | 18.8281% | 1,870 |
| Memoranda: | ||
| Average total assets | $101,121,500 | 4,124 |
| Average earning assets | $93,221,750 | 4,123 |
| Average equity | $13,366,250 | 3,868 |
| Average total loans | $70,773,500 | 3,889 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 1,832 |
| Cost of funding earning assets | 0.3110% | 4,341 |
| Net interest margin | 4.2723% | 1,102 |
| Noninterest income to average assets | 0.4535% | 3,128 |
| Noninterest expense to average assets | 3.3826% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8120% | 3,818 |
| Return on assets (ROA) | 0.8120% | 3,820 |
| Pretax return on assets | 1.0160% | 3,618 |
| Return on Equity (ROE) | 6.1707% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.6439% | 2,752 |
| Net charge-offs to loans | 0.1623% | 952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,427 |
| Efficiency ratio | 76.9023% | 1,327 |
| Assets per employee ($millions) | 2.9787% | 5,111 |
| Cash dividends to net income (ytd only)* | 8.5366% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,498 |
| Loan loss allowance to noncurrent loans | 149.2891% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 2,192 |
| Noncurrent loans to loans | 0.5787% | 2,687 |
| Net loans and leases to total assets | 71.3878% | 2,380 |
| Net loans and leases to deposits | 83.9942% | 2,538 |
| Net loans and leases to core deposits | 92.4042% | 2,366 |
| Total domestic deposits to total assets | 84.9914% | 2,676 |
| Equity capital to assets | 13.2678% | 1,198 |
| Core capital (leverage) ratio | 13.3902% | 1,103 |
| Tier 1 risk-based capital ratio | 18.7651% | 1,611 |
| Total risk-based capital ratio | 19.6440% | 1,662 |
| Memoranda: | ||
| Average total assets | $100,986,000 | 4,159 |
| Average earning assets | $93,252,330 | 4,157 |
| Average equity | $13,288,670 | 3,898 |
| Average total loans | $70,237,000 | 3,929 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 1,808 |
| Cost of funding earning assets | 0.3050% | 4,317 |
| Net interest margin | 4.2135% | 1,149 |
| Noninterest income to average assets | 0.4046% | 3,428 |
| Noninterest expense to average assets | 3.4827% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6704% | 4,211 |
| Return on assets (ROA) | 0.6704% | 4,212 |
| Pretax return on assets | 0.8132% | 4,116 |
| Return on Equity (ROE) | 5.1156% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.1156% | 3,116 |
| Net charge-offs to loans | 0.0639% | 1,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 18.6364% | 1,532 |
| Efficiency ratio | 81.0711% | 1,037 |
| Assets per employee ($millions) | 2.8597% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 4,119 |
| Loan loss allowance to noncurrent loans | 120.7143% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 1,906 |
| Noncurrent loans to loans | 0.8030% | 2,204 |
| Net loans and leases to total assets | 69.0022% | 2,629 |
| Net loans and leases to deposits | 79.7260% | 2,839 |
| Net loans and leases to core deposits | 87.7127% | 2,656 |
| Total domestic deposits to total assets | 86.5492% | 2,294 |
| Equity capital to assets | 13.2280% | 1,142 |
| Core capital (leverage) ratio | 13.1113% | 1,136 |
| Tier 1 risk-based capital ratio | 18.6568% | 1,647 |
| Total risk-based capital ratio | 19.6090% | 1,697 |
| Memoranda: | ||
| Average total assets | $100,841,500 | 4,211 |
| Average earning assets | $93,129,000 | 4,204 |
| Average equity | $13,214,500 | 3,940 |
| Average total loans | $68,891,500 | 3,989 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 2,129 |
| Cost of funding earning assets | 0.2950% | 4,191 |
| Net interest margin | 4.0707% | 1,529 |
| Noninterest income to average assets | 0.4619% | 3,235 |
| Noninterest expense to average assets | 3.9384% | 587 |
| Loan and lease loss provision to assets | 0.1727% | 1,266 |
| Net operating income to assets | 0.1806% | 5,144 |
| Return on assets (ROA) | 0.1806% | 5,158 |
| Pretax return on assets | 0.1510% | 5,353 |
| Return on Equity (ROE) | 1.3574% | 5,174 |
| Retained earnings to average equity (ytd only) | -0.8307% | 5,165 |
| Net charge-offs to loans | -0.0552% | 5,217 |
| Credit loss provision to net charge-offs | -472.9730% | 4,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4039% | 340 |
| Assets per employee ($millions) | 2.9880% | 5,205 |
| Cash dividends to net income (ytd only)* | 161.2022% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,879 |
| Loan loss allowance to noncurrent loans | 132.6255% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 2,007 |
| Noncurrent loans to loans | 0.7613% | 2,299 |
| Net loans and leases to total assets | 66.2995% | 3,059 |
| Net loans and leases to deposits | 76.4277% | 3,286 |
| Net loans and leases to core deposits | 84.1874% | 3,042 |
| Total domestic deposits to total assets | 86.7480% | 2,116 |
| Equity capital to assets | 12.9823% | 1,274 |
| Core capital (leverage) ratio | 13.0156% | 1,137 |
| Tier 1 risk-based capital ratio | 19.0994% | 1,488 |
| Total risk-based capital ratio | 20.1028% | 1,508 |
| Memoranda: | ||
| Average total assets | $101,310,000 | 4,212 |
| Average earning assets | $94,577,800 | 4,188 |
| Average equity | $13,482,000 | 3,915 |
| Average total loans | $66,972,200 | 4,031 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 2,227 |
| Cost of funding earning assets | 0.2937% | 4,191 |
| Net interest margin | 4.0204% | 1,632 |
| Noninterest income to average assets | 0.4623% | 3,261 |
| Noninterest expense to average assets | 3.4017% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6216% | 4,310 |
| Return on assets (ROA) | 0.6216% | 4,355 |
| Pretax return on assets | 0.8284% | 4,275 |
| Return on Equity (ROE) | 4.6426% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.1508% | 3,438 |
| Net charge-offs to loans | 0.0360% | 2,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.9438% | 1,424 |
| Efficiency ratio | 80.4172% | 1,058 |
| Assets per employee ($millions) | 3.0219% | 5,246 |
| Cash dividends to net income (ytd only)* | 10.5940% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6757% | 5,197 |
| Loan loss allowance to noncurrent loans | 47.3085% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 1,093 |
| Noncurrent loans to loans | 1.4283% | 1,308 |
| Net loans and leases to total assets | 67.3636% | 2,941 |
| Net loans and leases to deposits | 78.9927% | 3,069 |
| Net loans and leases to core deposits | 86.6789% | 2,902 |
| Total domestic deposits to total assets | 85.2782% | 2,606 |
| Equity capital to assets | 13.8433% | 1,038 |
| Core capital (leverage) ratio | 13.3971% | 1,060 |
| Tier 1 risk-based capital ratio | 19.8438% | 1,397 |
| Total risk-based capital ratio | 20.5048% | 1,485 |
| Memoranda: | ||
| Average total assets | $101,239,500 | 4,259 |
| Average earning assets | $94,879,750 | 4,221 |
| Average equity | $13,555,250 | 3,943 |
| Average total loans | $66,704,750 | 4,067 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,455 |
| Cost of funding earning assets | 0.2880% | 4,209 |
| Net interest margin | 3.9167% | 1,870 |
| Noninterest income to average assets | 0.4600% | 3,290 |
| Noninterest expense to average assets | 3.4518% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5268% | 4,622 |
| Return on assets (ROA) | 0.5268% | 4,653 |
| Pretax return on assets | 0.6978% | 4,555 |
| Return on Equity (ROE) | 3.9786% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.9786% | 3,338 |
| Net charge-offs to loans | 0.0663% | 1,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 16.1364% | 1,991 |
| Efficiency ratio | 83.1833% | 907 |
| Assets per employee ($millions) | 3.1919% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6743% | 5,256 |
| Loan loss allowance to noncurrent loans | 78.1034% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 1,738 |
| Noncurrent loans to loans | 0.8633% | 2,256 |
| Net loans and leases to total assets | 65.3339% | 3,204 |
| Net loans and leases to deposits | 75.7543% | 3,373 |
| Net loans and leases to core deposits | 83.6513% | 3,106 |
| Total domestic deposits to total assets | 86.2444% | 2,273 |
| Equity capital to assets | 13.3904% | 1,190 |
| Core capital (leverage) ratio | 13.4285% | 1,017 |
| Tier 1 risk-based capital ratio | 19.4898% | 1,478 |
| Total risk-based capital ratio | 20.1408% | 1,572 |
| Memoranda: | ||
| Average total assets | $101,745,000 | 4,273 |
| Average earning assets | $95,846,000 | 4,238 |
| Average equity | $13,472,000 | 3,963 |
| Average total loans | $66,395,000 | 4,094 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 2,419 |
| Cost of funding earning assets | 0.2847% | 4,200 |
| Net interest margin | 3.8772% | 1,864 |
| Noninterest income to average assets | 0.4333% | 3,425 |
| Noninterest expense to average assets | 3.5333% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4175% | 4,904 |
| Return on assets (ROA) | 0.4175% | 4,925 |
| Pretax return on assets | 0.5475% | 4,847 |
| Return on Equity (ROE) | 3.1714% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.1714% | 3,836 |
| Net charge-offs to loans | -0.4909% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5830% | 753 |
| Assets per employee ($millions) | 2.9630% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 4,915 |
| Loan loss allowance to noncurrent loans | 31.6629% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.1898% | 574 |
| Noncurrent loans to loans | 2.6939% | 560 |
| Net loans and leases to total assets | 64.1526% | 3,256 |
| Net loans and leases to deposits | 74.2219% | 3,378 |
| Net loans and leases to core deposits | 80.8942% | 3,211 |
| Total domestic deposits to total assets | 86.4335% | 2,474 |
| Equity capital to assets | 13.3461% | 1,130 |
| Core capital (leverage) ratio | 13.1102% | 1,097 |
| Tier 1 risk-based capital ratio | 20.3613% | 1,325 |
| Total risk-based capital ratio | 21.2061% | 1,374 |
| Memoranda: | ||
| Average total assets | $101,547,500 | 4,322 |
| Average earning assets | $95,532,500 | 4,283 |
| Average equity | $13,369,500 | 4,007 |
| Average total loans | $66,000,000 | 4,130 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,061 |
| Cost of funding earning assets | 0.2922% | 4,151 |
| Net interest margin | 4.0327% | 1,551 |
| Noninterest income to average assets | 0.5029% | 3,221 |
| Noninterest expense to average assets | 3.5643% | 1,057 |
| Loan and lease loss provision to assets | 0.1972% | 1,182 |
| Net operating income to assets | 0.4319% | 4,846 |
| Return on assets (ROA) | 0.4319% | 4,934 |
| Pretax return on assets | 0.5383% | 4,949 |
| Return on Equity (ROE) | 3.2853% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.2853% | 3,576 |
| Net charge-offs to loans | 0.6847% | 318 |
| Credit loss provision to net charge-offs | 43.1965% | 3,464 |
| Earnings coverage of net charge-offs (x) | 1.6112% | 3,964 |
| Efficiency ratio | 82.8938% | 1,102 |
| Assets per employee ($millions) | 2.9244% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 5,336 |
| Loan loss allowance to noncurrent loans | 23.6436% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9628% | 708 |
| Noncurrent loans to loans | 3.0068% | 451 |
| Net loans and leases to total assets | 64.8152% | 3,243 |
| Net loans and leases to deposits | 74.7210% | 3,445 |
| Net loans and leases to core deposits | 80.8297% | 3,323 |
| Total domestic deposits to total assets | 86.7431% | 2,265 |
| Equity capital to assets | 12.9883% | 1,266 |
| Core capital (leverage) ratio | 12.7989% | 1,213 |
| Tier 1 risk-based capital ratio | 18.8284% | 1,642 |
| Total risk-based capital ratio | 19.5066% | 1,749 |
| Memoranda: | ||
| Average total assets | $101,421,600 | 4,324 |
| Average earning assets | $95,494,800 | 4,282 |
| Average equity | $13,332,000 | 4,051 |
| Average total loans | $67,622,200 | 4,097 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 2,024 |
| Cost of funding earning assets | 0.2904% | 4,206 |
| Net interest margin | 4.0520% | 1,522 |
| Noninterest income to average assets | 0.5323% | 3,034 |
| Noninterest expense to average assets | 3.4272% | 1,298 |
| Loan and lease loss provision to assets | 0.1318% | 1,781 |
| Net operating income to assets | 0.5864% | 4,345 |
| Return on assets (ROA) | 0.5864% | 4,460 |
| Pretax return on assets | 0.7787% | 4,379 |
| Return on Equity (ROE) | 4.4472% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.4472% | 3,166 |
| Net charge-offs to loans | 0.9121% | 193 |
| Credit loss provision to net charge-offs | 21.5517% | 3,285 |
| Earnings coverage of net charge-offs (x) | 1.4892% | 3,689 |
| Efficiency ratio | 79.0097% | 1,556 |
| Assets per employee ($millions) | 2.8276% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5485% | 5,670 |
| Loan loss allowance to noncurrent loans | 16.1625% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.2732% | 636 |
| Noncurrent loans to loans | 3.3937% | 393 |
| Net loans and leases to total assets | 66.6159% | 3,022 |
| Net loans and leases to deposits | 77.4142% | 3,255 |
| Net loans and leases to core deposits | 83.9120% | 3,130 |
| Total domestic deposits to total assets | 86.0512% | 2,326 |
| Equity capital to assets | 13.3269% | 1,334 |
| Core capital (leverage) ratio | 12.8116% | 1,264 |
| Tier 1 risk-based capital ratio | 19.0542% | 1,661 |
| Total risk-based capital ratio | 19.5942% | 1,790 |
| Memoranda: | ||
| Average total assets | $101,188,500 | 4,371 |
| Average earning assets | $95,028,500 | 4,325 |
| Average equity | $13,341,500 | 4,076 |
| Average total loans | $67,823,750 | 4,126 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 2,083 |
| Cost of funding earning assets | 0.2859% | 4,287 |
| Net interest margin | 4.0371% | 1,532 |
| Noninterest income to average assets | 0.4991% | 3,200 |
| Noninterest expense to average assets | 3.3965% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6575% | 4,008 |
| Return on assets (ROA) | 0.6575% | 4,154 |
| Pretax return on assets | 0.8773% | 4,034 |
| Return on Equity (ROE) | 5.0050% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.0050% | 2,740 |
| Net charge-offs to loans | 0.2393% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.4691% | 2,851 |
| Efficiency ratio | 79.4717% | 1,569 |
| Assets per employee ($millions) | 2.8948% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 4,748 |
| Loan loss allowance to noncurrent loans | 146.0000% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 3,782 |
| Noncurrent loans to loans | 0.6525% | 3,122 |
| Net loans and leases to total assets | 65.5488% | 3,147 |
| Net loans and leases to deposits | 75.7664% | 3,408 |
| Net loans and leases to core deposits | 80.6353% | 3,399 |
| Total domestic deposits to total assets | 86.5143% | 2,164 |
| Equity capital to assets | 12.9714% | 1,520 |
| Core capital (leverage) ratio | 12.8504% | 1,214 |
| Tier 1 risk-based capital ratio | 18.7903% | 1,742 |
| Total risk-based capital ratio | 19.7340% | 1,768 |
| Memoranda: | ||
| Average total assets | $100,986,670 | 4,409 |
| Average earning assets | $94,424,670 | 4,374 |
| Average equity | $13,266,670 | 4,111 |
| Average total loans | $67,703,330 | 4,157 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 1,860 |
| Cost of funding earning assets | 0.2770% | 4,423 |
| Net interest margin | 4.1034% | 1,337 |
| Noninterest income to average assets | 0.4790% | 3,269 |
| Noninterest expense to average assets | 3.5543% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5957% | 4,193 |
| Return on assets (ROA) | 0.5957% | 4,308 |
| Pretax return on assets | 0.8010% | 4,191 |
| Return on Equity (ROE) | 4.5050% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.5050% | 3,235 |
| Net charge-offs to loans | 0.4533% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.6184% | 2,657 |
| Efficiency ratio | 81.6081% | 1,409 |
| Assets per employee ($millions) | 2.9531% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 4,662 |
| Loan loss allowance to noncurrent loans | 102.6357% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 3,132 |
| Noncurrent loans to loans | 0.9655% | 2,447 |
| Net loans and leases to total assets | 65.8729% | 2,971 |
| Net loans and leases to deposits | 76.1782% | 3,199 |
| Net loans and leases to core deposits | 82.2823% | 3,107 |
| Total domestic deposits to total assets | 86.4721% | 2,461 |
| Equity capital to assets | 13.1853% | 1,325 |
| Core capital (leverage) ratio | 12.9819% | 1,168 |
| Tier 1 risk-based capital ratio | 18.8042% | 1,782 |
| Total risk-based capital ratio | 19.7694% | 1,806 |
| Memoranda: | ||
| Average total assets | $99,373,000 | 4,478 |
| Average earning assets | $93,874,500 | 4,428 |
| Average equity | $13,141,000 | 4,146 |
| Average total loans | $67,071,000 | 4,190 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 1,943 |
| Cost of funding earning assets | 0.2538% | 4,739 |
| Net interest margin | 4.1352% | 1,323 |
| Noninterest income to average assets | 0.5567% | 2,982 |
| Noninterest expense to average assets | 3.4631% | 1,360 |
| Loan and lease loss provision to assets | 0.0750% | 2,769 |
| Net operating income to assets | 0.6926% | 3,848 |
| Return on assets (ROA) | 0.7226% | 3,802 |
| Pretax return on assets | 0.9665% | 3,591 |
| Return on Equity (ROE) | 5.5094% | 4,281 |
| Retained earnings to average equity (ytd only) | 1.4326% | 4,909 |
| Net charge-offs to loans | -0.0487% | 5,544 |
| Credit loss provision to net charge-offs | -241.9355% | 5,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5688% | 2,038 |
| Assets per employee ($millions) | 2.9800% | 5,535 |
| Cash dividends to net income (ytd only)* | 73.9972% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 4,074 |
| Loan loss allowance to noncurrent loans | 320.8696% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 4,663 |
| Noncurrent loans to loans | 0.3416% | 4,238 |
| Net loans and leases to total assets | 67.7259% | 2,744 |
| Net loans and leases to deposits | 78.7851% | 2,965 |
| Net loans and leases to core deposits | 84.8302% | 2,903 |
| Total domestic deposits to total assets | 85.9628% | 2,657 |
| Equity capital to assets | 13.2633% | 1,229 |
| Core capital (leverage) ratio | 12.9569% | 1,159 |
| Tier 1 risk-based capital ratio | 18.5754% | 1,813 |
| Total risk-based capital ratio | 19.6506% | 1,803 |
| Memoranda: | ||
| Average total assets | $100,055,600 | 4,462 |
| Average earning assets | $94,555,200 | 4,423 |
| Average equity | $13,123,000 | 4,118 |
| Average total loans | $63,673,000 | 4,272 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 2,246 |
| Cost of funding earning assets | 0.2537% | 4,838 |
| Net interest margin | 4.0422% | 1,578 |
| Noninterest income to average assets | 0.6050% | 2,710 |
| Noninterest expense to average assets | 3.3185% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8306% | 3,279 |
| Return on assets (ROA) | 0.8306% | 3,363 |
| Pretax return on assets | 1.1132% | 3,162 |
| Return on Equity (ROE) | 6.3505% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.9954% | 2,252 |
| Net charge-offs to loans | -0.0786% | 5,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8802% | 2,423 |
| Assets per employee ($millions) | 2.9902% | 5,557 |
| Cash dividends to net income (ytd only)* | 5.5916% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 4,712 |
| Loan loss allowance to noncurrent loans | 192.7954% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 4,366 |
| Noncurrent loans to loans | 0.5222% | 3,782 |
| Net loans and leases to total assets | 66.6613% | 2,904 |
| Net loans and leases to deposits | 77.9393% | 3,103 |
| Net loans and leases to core deposits | 84.0038% | 3,038 |
| Total domestic deposits to total assets | 85.5297% | 2,764 |
| Equity capital to assets | 13.6272% | 1,165 |
| Core capital (leverage) ratio | 14.0937% | 838 |
| Tier 1 risk-based capital ratio | 18.5356% | 1,886 |
| Total risk-based capital ratio | 19.4283% | 1,953 |
| Memoranda: | ||
| Average total assets | $100,484,750 | 4,502 |
| Average earning assets | $95,126,500 | 4,455 |
| Average equity | $13,143,000 | 4,156 |
| Average total loans | $62,756,500 | 4,343 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 2,561 |
| Cost of funding earning assets | 0.2503% | 4,940 |
| Net interest margin | 3.9419% | 1,848 |
| Noninterest income to average assets | 0.5461% | 3,066 |
| Noninterest expense to average assets | 3.3001% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7419% | 3,677 |
| Return on assets (ROA) | 0.7419% | 3,778 |
| Pretax return on assets | 0.9853% | 3,646 |
| Return on Equity (ROE) | 5.7508% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.2141% | 2,725 |
| Net charge-offs to loans | -0.1170% | 5,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0083% | 2,204 |
| Assets per employee ($millions) | 3.0564% | 5,522 |
| Cash dividends to net income (ytd only)* | 9.3333% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 4,767 |
| Loan loss allowance to noncurrent loans | 428.2051% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 5,238 |
| Noncurrent loans to loans | 0.2383% | 4,809 |
| Net loans and leases to total assets | 66.2529% | 2,905 |
| Net loans and leases to deposits | 76.9600% | 3,166 |
| Net loans and leases to core deposits | 81.9896% | 3,176 |
| Total domestic deposits to total assets | 86.0875% | 2,653 |
| Equity capital to assets | 13.4299% | 1,202 |
| Core capital (leverage) ratio | 13.1409% | 1,118 |
| Tier 1 risk-based capital ratio | 19.3690% | 1,705 |
| Total risk-based capital ratio | 20.3283% | 1,747 |
| Memoranda: | ||
| Average total assets | $101,087,000 | 4,533 |
| Average earning assets | $95,892,670 | 4,473 |
| Average equity | $13,041,670 | 4,203 |
| Average total loans | $61,525,670 | 4,423 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 2,844 |
| Cost of funding earning assets | 0.2493% | 5,030 |
| Net interest margin | 3.8471% | 2,084 |
| Noninterest income to average assets | 0.5451% | 2,987 |
| Noninterest expense to average assets | 3.2396% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6931% | 3,834 |
| Return on assets (ROA) | 0.6931% | 3,961 |
| Pretax return on assets | 0.9111% | 3,845 |
| Return on Equity (ROE) | 5.4790% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.4790% | 2,793 |
| Net charge-offs to loans | 0.0336% | 2,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 46.8000% | 881 |
| Efficiency ratio | 78.0488% | 2,180 |
| Assets per employee ($millions) | 3.2124% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 4,749 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 5,794 |
| Noncurrent loans to loans | 0.0638% | 5,517 |
| Net loans and leases to total assets | 55.6104% | 4,246 |
| Net loans and leases to deposits | 63.7815% | 4,393 |
| Net loans and leases to core deposits | 67.5466% | 4,376 |
| Total domestic deposits to total assets | 87.1888% | 2,275 |
| Equity capital to assets | 12.4188% | 1,741 |
| Core capital (leverage) ratio | 13.2259% | 1,079 |
| Tier 1 risk-based capital ratio | 17.1705% | 2,415 |
| Total risk-based capital ratio | 17.9503% | 2,547 |
| Memoranda: | ||
| Average total assets | $102,728,500 | 4,534 |
| Average earning assets | $96,281,500 | 4,496 |
| Average equity | $12,995,000 | 4,238 |
| Average total loans | $59,555,500 | 4,505 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 2,233 |
| Cost of funding earning assets | 0.2773% | 5,026 |
| Net interest margin | 4.1201% | 1,513 |
| Noninterest income to average assets | 0.4070% | 4,128 |
| Noninterest expense to average assets | 3.4709% | 1,548 |
| Loan and lease loss provision to assets | 0.0771% | 2,935 |
| Net operating income to assets | 0.5910% | 4,416 |
| Return on assets (ROA) | 0.5910% | 4,498 |
| Pretax return on assets | 0.7225% | 4,544 |
| Return on Equity (ROE) | 4.5035% | 4,886 |
| Retained earnings to average equity (ytd only) | 1.1670% | 5,253 |
| Net charge-offs to loans | 0.0960% | 3,130 |
| Credit loss provision to net charge-offs | 133.9286% | 1,771 |
| Earnings coverage of net charge-offs (x) | 13.8929% | 2,228 |
| Efficiency ratio | 81.2756% | 1,739 |
| Assets per employee ($millions) | 3.0136% | 5,677 |
| Cash dividends to net income (ytd only)* | 74.0870% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 4,758 |
| Loan loss allowance to noncurrent loans | 407.7419% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 5,399 |
| Noncurrent loans to loans | 0.2604% | 4,908 |
| Net loans and leases to total assets | 59.2269% | 3,892 |
| Net loans and leases to deposits | 68.2716% | 4,100 |
| Net loans and leases to core deposits | 73.9077% | 3,926 |
| Total domestic deposits to total assets | 86.7519% | 2,417 |
| Equity capital to assets | 12.8962% | 1,418 |
| Core capital (leverage) ratio | 12.6357% | 1,289 |
| Tier 1 risk-based capital ratio | 17.0995% | 2,474 |
| Total risk-based capital ratio | 17.9598% | 2,586 |
| Memoranda: | ||
| Average total assets | $97,295,200 | 4,667 |
| Average earning assets | $91,235,800 | 4,625 |
| Average equity | $12,767,800 | 4,233 |
| Average total loans | $58,313,400 | 4,537 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 2,285 |
| Cost of funding earning assets | 0.2807% | 5,089 |
| Net interest margin | 4.1016% | 1,568 |
| Noninterest income to average assets | 0.4175% | 4,118 |
| Noninterest expense to average assets | 3.3017% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7276% | 3,800 |
| Return on assets (ROA) | 0.7276% | 3,904 |
| Pretax return on assets | 0.9618% | 3,750 |
| Return on Equity (ROE) | 5.5199% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.7358% | 3,254 |
| Net charge-offs to loans | 0.0598% | 3,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 26.8428% | 1,472 |
| Efficiency ratio | 77.4402% | 2,278 |
| Assets per employee ($millions) | 2.8865% | 5,866 |
| Cash dividends to net income (ytd only)* | 14.2049% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 5,263 |
| Loan loss allowance to noncurrent loans | 2,795.2381% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 6,085 |
| Noncurrent loans to loans | 0.0354% | 5,882 |
| Net loans and leases to total assets | 59.9199% | 3,802 |
| Net loans and leases to deposits | 69.8981% | 3,930 |
| Net loans and leases to core deposits | 75.5541% | 3,802 |
| Total domestic deposits to total assets | 85.7246% | 2,999 |
| Equity capital to assets | 13.3838% | 1,245 |
| Core capital (leverage) ratio | 13.1962% | 1,102 |
| Tier 1 risk-based capital ratio | 18.1140% | 2,181 |
| Total risk-based capital ratio | 18.9403% | 2,283 |
| Memoranda: | ||
| Average total assets | $96,757,000 | 4,725 |
| Average earning assets | $90,726,250 | 4,683 |
| Average equity | $12,753,500 | 4,265 |
| Average total loans | $58,008,750 | 4,590 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 2,546 |
| Cost of funding earning assets | 0.2794% | 5,195 |
| Net interest margin | 4.0316% | 1,717 |
| Noninterest income to average assets | 0.4133% | 4,145 |
| Noninterest expense to average assets | 3.3896% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6397% | 4,154 |
| Return on assets (ROA) | 0.6397% | 4,257 |
| Pretax return on assets | 0.8599% | 4,042 |
| Return on Equity (ROE) | 4.8787% | 4,733 |
| Retained earnings to average equity (ytd only) | 3.6907% | 3,843 |
| Net charge-offs to loans | 0.0417% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,165 |
| Efficiency ratio | 79.7654% | 2,052 |
| Assets per employee ($millions) | 2.8547% | 5,954 |
| Cash dividends to net income (ytd only)* | 24.3506% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 5,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 6,046 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 59.2479% | 3,824 |
| Net loans and leases to deposits | 68.8785% | 3,952 |
| Net loans and leases to core deposits | 74.6008% | 3,771 |
| Total domestic deposits to total assets | 86.0179% | 3,029 |
| Equity capital to assets | 13.2753% | 1,233 |
| Core capital (leverage) ratio | 12.9151% | 1,187 |
| Tier 1 risk-based capital ratio | 18.4927% | 2,068 |
| Total risk-based capital ratio | 19.3713% | 2,166 |
| Memoranda: | ||
| Average total assets | $96,295,670 | 4,768 |
| Average earning assets | $91,625,330 | 4,687 |
| Average equity | $12,626,330 | 4,295 |
| Average total loans | $57,547,330 | 4,636 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 2,213 |
| Cost of funding earning assets | 0.2860% | 5,211 |
| Net interest margin | 4.0957% | 1,460 |
| Noninterest income to average assets | 0.4296% | 3,949 |
| Noninterest expense to average assets | 3.2905% | 1,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7674% | 3,325 |
| Return on assets (ROA) | 0.7674% | 3,407 |
| Pretax return on assets | 1.0218% | 3,245 |
| Return on Equity (ROE) | 5.8894% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.8894% | 2,598 |
| Net charge-offs to loans | 0.0279% | 3,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 61.2500% | 646 |
| Efficiency ratio | 76.3056% | 2,749 |
| Assets per employee ($millions) | 2.8932% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,212 |
| Loan loss allowance to noncurrent loans | 223.8971% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 5,218 |
| Noncurrent loans to loans | 0.4818% | 4,715 |
| Net loans and leases to total assets | 56.7695% | 4,035 |
| Net loans and leases to deposits | 65.5442% | 4,141 |
| Net loans and leases to core deposits | 73.3069% | 3,729 |
| Total domestic deposits to total assets | 86.6125% | 3,036 |
| Equity capital to assets | 12.8894% | 1,362 |
| Core capital (leverage) ratio | 12.8098% | 1,240 |
| Tier 1 risk-based capital ratio | 18.5589% | 2,104 |
| Total risk-based capital ratio | 19.4559% | 2,174 |
| Memoranda: | ||
| Average total assets | $95,913,500 | 4,820 |
| Average earning assets | $90,924,000 | 4,750 |
| Average equity | $12,497,000 | 4,345 |
| Average total loans | $57,267,500 | 4,676 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 2,375 |
| Cost of funding earning assets | 0.3346% | 5,287 |
| Net interest margin | 4.1203% | 1,588 |
| Noninterest income to average assets | 0.4932% | 3,803 |
| Noninterest expense to average assets | 3.3377% | 2,030 |
| Loan and lease loss provision to assets | 0.0809% | 3,495 |
| Net operating income to assets | 0.7532% | 3,529 |
| Return on assets (ROA) | 0.7532% | 3,627 |
| Pretax return on assets | 0.9809% | 3,430 |
| Return on Equity (ROE) | 5.5190% | 4,380 |
| Retained earnings to average equity (ytd only) | 1.8423% | 4,926 |
| Net charge-offs to loans | 0.0799% | 4,101 |
| Credit loss provision to net charge-offs | 170.4545% | 1,340 |
| Earnings coverage of net charge-offs (x) | 22.3636% | 1,451 |
| Efficiency ratio | 75.8646% | 2,792 |
| Assets per employee ($millions) | 2.8321% | 6,066 |
| Cash dividends to net income (ytd only)* | 66.6189% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 5,321 |
| Loan loss allowance to noncurrent loans | 666.3043% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 5,917 |
| Noncurrent loans to loans | 0.1584% | 5,719 |
| Net loans and leases to total assets | 61.4922% | 3,443 |
| Net loans and leases to deposits | 71.1747% | 3,633 |
| Net loans and leases to core deposits | 75.4437% | 3,673 |
| Total domestic deposits to total assets | 86.3962% | 3,043 |
| Equity capital to assets | 13.1769% | 1,196 |
| Core capital (leverage) ratio | 13.1771% | 1,066 |
| Tier 1 risk-based capital ratio | 19.4755% | 1,795 |
| Total risk-based capital ratio | 20.4370% | 1,829 |
| Memoranda: | ||
| Average total assets | $92,667,800 | 4,912 |
| Average earning assets | $87,858,600 | 4,835 |
| Average equity | $12,647,200 | 4,324 |
| Average total loans | $55,101,200 | 4,778 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 2,529 |
| Cost of funding earning assets | 0.3430% | 5,358 |
| Net interest margin | 4.0764% | 1,699 |
| Noninterest income to average assets | 0.5609% | 3,385 |
| Noninterest expense to average assets | 3.1591% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9401% | 2,639 |
| Return on assets (ROA) | 0.9401% | 2,750 |
| Pretax return on assets | 1.2573% | 2,490 |
| Return on Equity (ROE) | 6.8287% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.4516% | 2,162 |
| Net charge-offs to loans | 0.1251% | 3,282 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.0976% | 1,756 |
| Efficiency ratio | 71.5312% | 3,501 |
| Assets per employee ($millions) | 2.8407% | 6,091 |
| Cash dividends to net income (ytd only)* | 5.5216% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 5,976 |
| Loan loss allowance to noncurrent loans | 361.2245% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 5,749 |
| Noncurrent loans to loans | 0.2577% | 5,584 |
| Net loans and leases to total assets | 60.2765% | 3,655 |
| Net loans and leases to deposits | 70.3463% | 3,739 |
| Net loans and leases to core deposits | 74.8956% | 3,746 |
| Total domestic deposits to total assets | 85.6853% | 3,414 |
| Equity capital to assets | 13.6768% | 1,057 |
| Core capital (leverage) ratio | 13.7689% | 931 |
| Tier 1 risk-based capital ratio | 17.7333% | 2,428 |
| Total risk-based capital ratio | 18.4690% | 2,586 |
| Memoranda: | ||
| Average total assets | $92,470,000 | 4,962 |
| Average earning assets | $87,461,250 | 4,883 |
| Average equity | $12,730,250 | 4,360 |
| Average total loans | $54,355,750 | 4,841 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 2,900 |
| Cost of funding earning assets | 0.3483% | 5,422 |
| Net interest margin | 3.9639% | 1,990 |
| Noninterest income to average assets | 0.5150% | 3,740 |
| Noninterest expense to average assets | 3.2788% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7540% | 3,548 |
| Return on assets (ROA) | 0.7540% | 3,697 |
| Pretax return on assets | 0.9952% | 3,531 |
| Return on Equity (ROE) | 5.4646% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.8976% | 3,119 |
| Net charge-offs to loans | 0.5387% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.1806% | 3,463 |
| Efficiency ratio | 76.7158% | 2,681 |
| Assets per employee ($millions) | 2.7299% | 6,253 |
| Cash dividends to net income (ytd only)* | 10.3746% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 6,324 |
| Loan loss allowance to noncurrent loans | 282.5806% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 5,758 |
| Noncurrent loans to loans | 0.2896% | 5,576 |
| Net loans and leases to total assets | 57.2018% | 4,108 |
| Net loans and leases to deposits | 66.2942% | 4,231 |
| Net loans and leases to core deposits | 70.1166% | 4,268 |
| Total domestic deposits to total assets | 86.2848% | 3,212 |
| Equity capital to assets | 13.3575% | 1,197 |
| Core capital (leverage) ratio | 13.4552% | 996 |
| Tier 1 risk-based capital ratio | 17.2298% | 2,625 |
| Total risk-based capital ratio | 17.8339% | 2,859 |
| Memoranda: | ||
| Average total assets | $92,045,670 | 5,008 |
| Average earning assets | $87,287,330 | 4,923 |
| Average equity | $12,700,000 | 4,398 |
| Average total loans | $53,462,330 | 4,899 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 2,712 |
| Cost of funding earning assets | 0.3529% | 5,506 |
| Net interest margin | 3.9921% | 1,824 |
| Noninterest income to average assets | 0.5673% | 3,329 |
| Noninterest expense to average assets | 3.3515% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7942% | 3,199 |
| Return on assets (ROA) | 0.7942% | 3,333 |
| Pretax return on assets | 1.0168% | 3,277 |
| Return on Equity (ROE) | 5.6649% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.6649% | 2,856 |
| Net charge-offs to loans | -0.0599% | 6,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7233% | 2,808 |
| Assets per employee ($millions) | 2.8208% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,483 |
| Loan loss allowance to noncurrent loans | 171.0145% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 5,475 |
| Noncurrent loans to loans | 0.6609% | 4,802 |
| Net loans and leases to total assets | 55.4465% | 4,177 |
| Net loans and leases to deposits | 64.7587% | 4,219 |
| Net loans and leases to core deposits | 72.1592% | 3,800 |
| Total domestic deposits to total assets | 85.6201% | 3,724 |
| Equity capital to assets | 13.8546% | 1,073 |
| Core capital (leverage) ratio | 13.4856% | 951 |
| Tier 1 risk-based capital ratio | 16.6389% | 2,930 |
| Total risk-based capital ratio | 17.4328% | 3,115 |
| Memoranda: | ||
| Average total assets | $91,660,000 | 5,060 |
| Average earning assets | $87,272,000 | 4,950 |
| Average equity | $12,851,000 | 4,407 |
| Average total loans | $53,428,000 | 4,936 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 2,454 |
| Cost of funding earning assets | 0.4144% | 5,822 |
| Net interest margin | 4.3189% | 1,358 |
| Noninterest income to average assets | 0.5509% | 3,569 |
| Noninterest expense to average assets | 3.4591% | 1,927 |
| Loan and lease loss provision to assets | 0.0836% | 4,657 |
| Net operating income to assets | 0.8118% | 3,238 |
| Return on assets (ROA) | 0.8118% | 3,479 |
| Pretax return on assets | 1.0638% | 3,297 |
| Return on Equity (ROE) | 5.6878% | 4,319 |
| Retained earnings to average equity (ytd only) | 2.0860% | 4,758 |
| Net charge-offs to loans | 0.2187% | 3,639 |
| Credit loss provision to net charge-offs | 65.2174% | 4,309 |
| Earnings coverage of net charge-offs (x) | 8.9478% | 2,332 |
| Efficiency ratio | 75.0908% | 2,895 |
| Assets per employee ($millions) | 2.7343% | 6,385 |
| Cash dividends to net income (ytd only)* | 63.3242% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 5,694 |
| Loan loss allowance to noncurrent loans | 325.1397% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 6,043 |
| Noncurrent loans to loans | 0.3275% | 5,669 |
| Net loans and leases to total assets | 59.9233% | 3,618 |
| Net loans and leases to deposits | 70.5212% | 3,632 |
| Net loans and leases to core deposits | 79.1550% | 3,125 |
| Total domestic deposits to total assets | 84.9721% | 3,876 |
| Equity capital to assets | 14.1912% | 974 |
| Core capital (leverage) ratio | 13.4863% | 952 |
| Tier 1 risk-based capital ratio | 18.5390% | 2,093 |
| Total risk-based capital ratio | 19.4247% | 2,163 |
| Memoranda: | ||
| Average total assets | $89,675,800 | 5,092 |
| Average earning assets | $84,211,000 | 5,010 |
| Average equity | $12,799,400 | 4,403 |
| Average total loans | $52,589,600 | 4,992 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 2,552 |
| Cost of funding earning assets | 0.4261% | 5,954 |
| Net interest margin | 4.3312% | 1,394 |
| Noninterest income to average assets | 0.5540% | 3,582 |
| Noninterest expense to average assets | 3.4190% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8950% | 3,006 |
| Return on assets (ROA) | 0.8950% | 3,237 |
| Pretax return on assets | 1.1913% | 3,017 |
| Return on Equity (ROE) | 6.2612% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.8862% | 2,772 |
| Net charge-offs to loans | 0.0819% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 24.9974% | 1,261 |
| Efficiency ratio | 74.1602% | 2,958 |
| Assets per employee ($millions) | 2.7484% | 6,435 |
| Cash dividends to net income (ytd only)* | 5.9902% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,717 |
| Loan loss allowance to noncurrent loans | 655.5556% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 6,046 |
| Noncurrent loans to loans | 0.1679% | 6,190 |
| Net loans and leases to total assets | 58.4458% | 4,056 |
| Net loans and leases to deposits | 69.2200% | 4,000 |
| Net loans and leases to core deposits | 73.7144% | 4,010 |
| Total domestic deposits to total assets | 84.4348% | 4,011 |
| Equity capital to assets | 14.5177% | 964 |
| Core capital (leverage) ratio | 13.8625% | 879 |
| Tier 1 risk-based capital ratio | 19.8300% | 1,802 |
| Total risk-based capital ratio | 20.7674% | 1,851 |
| Memoranda: | ||
| Average total assets | $89,536,750 | 5,155 |
| Average earning assets | $83,854,500 | 5,078 |
| Average equity | $12,798,000 | 4,446 |
| Average total loans | $52,074,000 | 5,070 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 2,723 |
| Cost of funding earning assets | 0.4358% | 6,062 |
| Net interest margin | 4.3129% | 1,453 |
| Noninterest income to average assets | 0.5384% | 3,661 |
| Noninterest expense to average assets | 3.4459% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8525% | 3,126 |
| Return on assets (ROA) | 0.8525% | 3,401 |
| Pretax return on assets | 1.1329% | 3,176 |
| Return on Equity (ROE) | 5.9961% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.4280% | 3,027 |
| Net charge-offs to loans | 0.0621% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 31.5625% | 1,039 |
| Efficiency ratio | 75.2572% | 2,854 |
| Assets per employee ($millions) | 2.8084% | 6,388 |
| Cash dividends to net income (ytd only)* | 9.4737% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,550 |
| Loan loss allowance to noncurrent loans | 301.4925% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 5,815 |
| Noncurrent loans to loans | 0.3830% | 5,771 |
| Net loans and leases to total assets | 57.7156% | 4,218 |
| Net loans and leases to deposits | 68.0249% | 4,195 |
| Net loans and leases to core deposits | 70.4149% | 4,482 |
| Total domestic deposits to total assets | 84.8448% | 3,934 |
| Equity capital to assets | 14.3329% | 964 |
| Core capital (leverage) ratio | 13.6637% | 911 |
| Tier 1 risk-based capital ratio | 20.3803% | 1,612 |
| Total risk-based capital ratio | 21.3877% | 1,644 |
| Memoranda: | ||
| Average total assets | $89,150,330 | 5,193 |
| Average earning assets | $83,517,330 | 5,118 |
| Average equity | $12,675,000 | 4,465 |
| Average total loans | $51,566,000 | 5,118 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 2,881 |
| Cost of funding earning assets | 0.4468% | 6,165 |
| Net interest margin | 4.2946% | 1,481 |
| Noninterest income to average assets | 0.5271% | 3,717 |
| Noninterest expense to average assets | 3.3877% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8920% | 2,957 |
| Return on assets (ROA) | 0.8920% | 3,181 |
| Pretax return on assets | 1.1668% | 3,039 |
| Return on Equity (ROE) | 6.2997% | 4,138 |
| Retained earnings to average equity (ytd only) | 6.2997% | 2,795 |
| Net charge-offs to loans | -0.0548% | 6,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3818% | 3,036 |
| Assets per employee ($millions) | 2.7173% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 5,393 |
| Loan loss allowance to noncurrent loans | 340.0000% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 5,961 |
| Noncurrent loans to loans | 0.3593% | 5,959 |
| Net loans and leases to total assets | 56.7124% | 4,252 |
| Net loans and leases to deposits | 66.4984% | 4,304 |
| Net loans and leases to core deposits | 68.8957% | 4,576 |
| Total domestic deposits to total assets | 85.2838% | 3,887 |
| Equity capital to assets | 14.1262% | 976 |
| Core capital (leverage) ratio | 13.5289% | 940 |
| Tier 1 risk-based capital ratio | 19.8408% | 1,746 |
| Total risk-based capital ratio | 20.8711% | 1,778 |
| Memoranda: | ||
| Average total assets | $88,790,500 | 5,250 |
| Average earning assets | $83,267,500 | 5,164 |
| Average equity | $12,572,000 | 4,492 |
| Average total loans | $51,111,500 | 5,182 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 2,357 |
| Cost of funding earning assets | 0.5348% | 6,401 |
| Net interest margin | 4.5892% | 942 |
| Noninterest income to average assets | 0.8011% | 2,053 |
| Noninterest expense to average assets | 3.7536% | 1,433 |
| Loan and lease loss provision to assets | 0.0882% | 5,488 |
| Net operating income to assets | 0.9928% | 2,224 |
| Return on assets (ROA) | 0.9928% | 2,370 |
| Pretax return on assets | 1.2692% | 2,242 |
| Return on Equity (ROE) | 6.7723% | 3,507 |
| Retained earnings to average equity (ytd only) | 1.0752% | 5,356 |
| Net charge-offs to loans | 0.0852% | 5,472 |
| Credit loss provision to net charge-offs | 170.4545% | 1,576 |
| Earnings coverage of net charge-offs (x) | 26.2273% | 947 |
| Efficiency ratio | 73.4407% | 3,318 |
| Assets per employee ($millions) | 2.5856% | 6,742 |
| Cash dividends to net income (ytd only)* | 84.1232% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 5,273 |
| Loan loss allowance to noncurrent loans | 1,943.7500% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 6,454 |
| Noncurrent loans to loans | 0.0631% | 6,660 |
| Net loans and leases to total assets | 57.0099% | 4,543 |
| Net loans and leases to deposits | 66.9025% | 4,603 |
| Net loans and leases to core deposits | 70.1147% | 4,762 |
| Total domestic deposits to total assets | 85.2135% | 3,738 |
| Equity capital to assets | 14.1928% | 1,007 |
| Core capital (leverage) ratio | 13.5886% | 933 |
| Tier 1 risk-based capital ratio | 19.9966% | 1,642 |
| Total risk-based capital ratio | 21.0405% | 1,658 |
| Memoranda: | ||
| Average total assets | $85,012,800 | 5,311 |
| Average earning assets | $79,839,000 | 5,236 |
| Average equity | $12,462,600 | 4,451 |
| Average total loans | $51,633,000 | 5,207 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 2,394 |
| Cost of funding earning assets | 0.5510% | 6,510 |
| Net interest margin | 4.5981% | 948 |
| Noninterest income to average assets | 0.8526% | 1,827 |
| Noninterest expense to average assets | 3.6588% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1263% | 1,890 |
| Return on assets (ROA) | 1.1263% | 2,013 |
| Pretax return on assets | 1.5106% | 1,620 |
| Return on Equity (ROE) | 7.6195% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.2449% | 1,840 |
| Net charge-offs to loans | 0.0823% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 29.8406% | 939 |
| Efficiency ratio | 70.7772% | 3,794 |
| Assets per employee ($millions) | 2.6260% | 6,746 |
| Cash dividends to net income (ytd only)* | 4.9162% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 6,130 |
| Loan loss allowance to noncurrent loans | 405.0725% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 6,074 |
| Noncurrent loans to loans | 0.2540% | 6,364 |
| Net loans and leases to total assets | 62.0469% | 3,711 |
| Net loans and leases to deposits | 74.0351% | 3,647 |
| Net loans and leases to core deposits | 80.9247% | 3,499 |
| Total domestic deposits to total assets | 83.8074% | 4,320 |
| Equity capital to assets | 15.0571% | 841 |
| Core capital (leverage) ratio | 14.5950% | 753 |
| Tier 1 risk-based capital ratio | 20.3632% | 1,598 |
| Total risk-based capital ratio | 21.2769% | 1,648 |
| Memoranda: | ||
| Average total assets | $84,288,250 | 5,372 |
| Average earning assets | $79,131,750 | 5,297 |
| Average equity | $12,459,000 | 4,458 |
| Average total loans | $51,856,250 | 5,234 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 2,798 |
| Cost of funding earning assets | 0.5608% | 6,623 |
| Net interest margin | 4.5142% | 1,101 |
| Noninterest income to average assets | 0.9964% | 1,330 |
| Noninterest expense to average assets | 3.8587% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9629% | 2,378 |
| Return on assets (ROA) | 0.9629% | 2,484 |
| Pretax return on assets | 1.3797% | 1,860 |
| Return on Equity (ROE) | 6.5565% | 3,674 |
| Retained earnings to average equity (ytd only) | 5.9856% | 2,443 |
| Net charge-offs to loans | 0.1058% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,156 |
| Efficiency ratio | 73.6626% | 3,423 |
| Assets per employee ($millions) | 2.4602% | 6,960 |
| Cash dividends to net income (ytd only)* | 8.7065% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 6,132 |
| Loan loss allowance to noncurrent loans | 56,400.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 6,499 |
| Noncurrent loans to loans | 0.0019% | 7,019 |
| Net loans and leases to total assets | 63.3536% | 3,612 |
| Net loans and leases to deposits | 75.3751% | 3,582 |
| Net loans and leases to core deposits | 81.5455% | 3,574 |
| Total domestic deposits to total assets | 84.0510% | 4,322 |
| Equity capital to assets | 14.9854% | 826 |
| Core capital (leverage) ratio | 14.4708% | 768 |
| Tier 1 risk-based capital ratio | 20.9639% | 1,426 |
| Total risk-based capital ratio | 21.9371% | 1,453 |
| Memoranda: | ||
| Average total assets | $83,498,670 | 5,439 |
| Average earning assets | $78,463,330 | 5,362 |
| Average equity | $12,262,670 | 4,488 |
| Average total loans | $51,032,670 | 5,312 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 2,968 |
| Cost of funding earning assets | 0.5700% | 6,728 |
| Net interest margin | 4.4583% | 1,155 |
| Noninterest income to average assets | 1.0453% | 1,204 |
| Noninterest expense to average assets | 3.6968% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0740% | 1,935 |
| Return on assets (ROA) | 1.0740% | 1,985 |
| Pretax return on assets | 1.5487% | 1,303 |
| Return on Equity (ROE) | 7.3888% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.3888% | 1,992 |
| Net charge-offs to loans | -0.0321% | 6,733 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4753% | 4,169 |
| Assets per employee ($millions) | 2.5403% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,706 |
| Loan loss allowance to noncurrent loans | 239.9194% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 6,001 |
| Noncurrent loans to loans | 0.4929% | 6,029 |
| Net loans and leases to total assets | 59.3050% | 4,404 |
| Net loans and leases to deposits | 69.8818% | 4,358 |
| Net loans and leases to core deposits | 74.7913% | 4,449 |
| Total domestic deposits to total assets | 84.8648% | 4,100 |
| Equity capital to assets | 14.5984% | 855 |
| Core capital (leverage) ratio | 14.3331% | 770 |
| Tier 1 risk-based capital ratio | 20.2780% | 1,528 |
| Total risk-based capital ratio | 21.2830% | 1,549 |
| Memoranda: | ||
| Average total assets | $83,424,000 | 5,484 |
| Average earning assets | $78,595,500 | 5,400 |
| Average equity | $12,126,500 | 4,521 |
| Average total loans | $49,770,000 | 5,403 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 3,174 |
| Cost of funding earning assets | 0.6231% | 7,075 |
| Net interest margin | 4.6672% | 874 |
| Noninterest income to average assets | 0.6150% | 3,380 |
| Noninterest expense to average assets | 3.6400% | 1,823 |
| Loan and lease loss provision to assets | 0.0913% | 6,228 |
| Net operating income to assets | 0.9426% | 2,229 |
| Return on assets (ROA) | 0.9426% | 2,355 |
| Pretax return on assets | 1.1983% | 2,233 |
| Return on Equity (ROE) | 6.3032% | 3,450 |
| Retained earnings to average equity (ytd only) | 0.5212% | 5,315 |
| Net charge-offs to loans | 0.0740% | 6,062 |
| Credit loss provision to net charge-offs | 214.2857% | 1,417 |
| Earnings coverage of net charge-offs (x) | 30.2571% | 729 |
| Efficiency ratio | 73.8389% | 3,428 |
| Assets per employee ($millions) | 2.6780% | 6,725 |
| Cash dividends to net income (ytd only)* | 91.7313% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 5,509 |
| Loan loss allowance to noncurrent loans | 609.2784% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 6,268 |
| Noncurrent loans to loans | 0.1970% | 6,674 |
| Net loans and leases to total assets | 58.5880% | 4,940 |
| Net loans and leases to deposits | 68.8767% | 4,972 |
| Net loans and leases to core deposits | 70.9371% | 5,341 |
| Total domestic deposits to total assets | 85.0621% | 3,821 |
| Equity capital to assets | 14.4729% | 908 |
| Core capital (leverage) ratio | 14.1181% | 822 |
| Tier 1 risk-based capital ratio | 20.6872% | 1,364 |
| Total risk-based capital ratio | 21.7249% | 1,385 |
| Memoranda: | ||
| Average total assets | $82,115,400 | 5,526 |
| Average earning assets | $75,913,400 | 5,482 |
| Average equity | $12,279,400 | 4,537 |
| Average total loans | $47,311,400 | 5,589 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2802% | 3,450 |
| Cost of funding earning assets | 0.6312% | 7,223 |
| Net interest margin | 4.6490% | 944 |
| Noninterest income to average assets | 0.5959% | 3,468 |
| Noninterest expense to average assets | 3.5266% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9215% | 2,532 |
| Return on assets (ROA) | 0.9215% | 2,667 |
| Pretax return on assets | 1.3383% | 2,071 |
| Return on Equity (ROE) | 6.1128% | 3,766 |
| Retained earnings to average equity (ytd only) | 5.7347% | 2,521 |
| Net charge-offs to loans | -0.0256% | 7,384 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4900% | 3,611 |
| Assets per employee ($millions) | 2.6528% | 6,845 |
| Cash dividends to net income (ytd only)* | 6.1843% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 5,822 |
| Loan loss allowance to noncurrent loans | 491.2281% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 5,988 |
| Noncurrent loans to loans | 0.2295% | 6,721 |
| Net loans and leases to total assets | 59.7245% | 4,958 |
| Net loans and leases to deposits | 71.8171% | 4,865 |
| Net loans and leases to core deposits | 76.3960% | 5,005 |
| Total domestic deposits to total assets | 83.1619% | 4,525 |
| Equity capital to assets | 15.5735% | 754 |
| Core capital (leverage) ratio | 14.7717% | 763 |
| Tier 1 risk-based capital ratio | 22.1429% | 1,185 |
| Total risk-based capital ratio | 23.1570% | 1,193 |
| Memoranda: | ||
| Average total assets | $81,890,000 | 5,604 |
| Average earning assets | $75,197,250 | 5,568 |
| Average equity | $12,345,500 | 4,588 |
| Average total loans | $46,832,000 | 5,681 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2580% | 3,668 |
| Cost of funding earning assets | 0.6332% | 7,333 |
| Net interest margin | 4.6248% | 940 |
| Noninterest income to average assets | 0.5332% | 3,848 |
| Noninterest expense to average assets | 3.5610% | 1,885 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8291% | 2,829 |
| Return on assets (ROA) | 0.8291% | 2,983 |
| Pretax return on assets | 1.2058% | 2,395 |
| Return on Equity (ROE) | 5.5612% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.9870% | 2,907 |
| Net charge-offs to loans | 0.0087% | 6,235 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 246.5000% | 134 |
| Efficiency ratio | 74.7050% | 3,329 |
| Assets per employee ($millions) | 2.3650% | 7,280 |
| Cash dividends to net income (ytd only)* | 10.3245% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 5,581 |
| Loan loss allowance to noncurrent loans | 1,483.7838% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 6,007 |
| Noncurrent loans to loans | 0.0791% | 7,111 |
| Net loans and leases to total assets | 55.8412% | 5,728 |
| Net loans and leases to deposits | 66.4558% | 5,751 |
| Net loans and leases to core deposits | 68.4456% | 6,025 |
| Total domestic deposits to total assets | 84.0276% | 4,095 |
| Equity capital to assets | 15.0120% | 881 |
| Core capital (leverage) ratio | 14.6249% | 797 |
| Tier 1 risk-based capital ratio | 21.8598% | 1,225 |
| Total risk-based capital ratio | 22.8591% | 1,235 |
| Memoranda: | ||
| Average total assets | $81,774,670 | 5,638 |
| Average earning assets | $74,858,000 | 5,614 |
| Average equity | $12,191,670 | 4,630 |
| Average total loans | $45,884,330 | 5,768 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 3,757 |
| Cost of funding earning assets | 0.6312% | 7,493 |
| Net interest margin | 4.6237% | 909 |
| Noninterest income to average assets | 0.4725% | 4,273 |
| Noninterest expense to average assets | 3.7355% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6693% | 3,576 |
| Return on assets (ROA) | 0.6693% | 3,689 |
| Pretax return on assets | 0.9548% | 3,249 |
| Return on Equity (ROE) | 4.5054% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.5054% | 3,456 |
| Net charge-offs to loans | -0.0968% | 7,515 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6432% | 2,626 |
| Assets per employee ($millions) | 2.3368% | 7,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 5,321 |
| Loan loss allowance to noncurrent loans | 985.9649% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 5,285 |
| Noncurrent loans to loans | 0.1250% | 7,096 |
| Net loans and leases to total assets | 55.0783% | 5,876 |
| Net loans and leases to deposits | 65.2302% | 5,906 |
| Net loans and leases to core deposits | 68.2835% | 6,069 |
| Total domestic deposits to total assets | 84.4368% | 3,923 |
| Equity capital to assets | 14.8027% | 931 |
| Core capital (leverage) ratio | 14.6084% | 829 |
| Tier 1 risk-based capital ratio | 20.4060% | 1,446 |
| Total risk-based capital ratio | 21.3744% | 1,469 |
| Memoranda: | ||
| Average total assets | $81,275,000 | 5,730 |
| Average earning assets | $74,139,500 | 5,702 |
| Average equity | $12,074,500 | 4,702 |
| Average total loans | $45,441,000 | 5,866 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 5,202 |
| Cost of funding earning assets | 0.6985% | 7,685 |
| Net interest margin | 4.5954% | 995 |
| Noninterest income to average assets | 0.5139% | 4,300 |
| Noninterest expense to average assets | 3.6897% | 1,935 |
| Loan and lease loss provision to assets | 0.1218% | 6,428 |
| Net operating income to assets | 0.8000% | 2,540 |
| Return on assets (ROA) | 0.8000% | 2,623 |
| Pretax return on assets | 0.9644% | 2,718 |
| Return on Equity (ROE) | 5.5077% | 3,418 |
| Retained earnings to average equity (ytd only) | 2.2467% | 3,543 |
| Net charge-offs to loans | 0.2792% | 4,888 |
| Credit loss provision to net charge-offs | 76.9231% | 6,359 |
| Earnings coverage of net charge-offs (x) | 6.8615% | 2,274 |
| Efficiency ratio | 77.2565% | 3,318 |
| Assets per employee ($millions) | 2.3753% | 7,385 |
| Cash dividends to net income (ytd only)* | 59.2085% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 5,258 |
| Loan loss allowance to noncurrent loans | 551.0000% | 607 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 5,037 |
| Noncurrent loans to loans | 0.2209% | 6,876 |
| Net loans and leases to total assets | 55.3745% | 6,036 |
| Net loans and leases to deposits | 66.0244% | 6,043 |
| Net loans and leases to core deposits | 76.7097% | 6,357 |
| Total domestic deposits to total assets | 83.8697% | 4,090 |
| Equity capital to assets | 14.9107% | 929 |
| Core capital (leverage) ratio | 14.5693% | 868 |
| Tier 1 risk-based capital ratio | 19.6150% | 1,542 |
| Total risk-based capital ratio | 20.5382% | 1,558 |
| Memoranda: | ||
| Average total assets | $82,121,400 | 5,662 |
| Average earning assets | $76,162,800 | 5,598 |
| Average equity | $11,928,800 | 4,764 |
| Average total loans | $46,569,800 | 5,819 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 5,351 |
| Cost of funding earning assets | 0.7152% | 7,794 |
| Net interest margin | 4.5989% | 993 |
| Noninterest income to average assets | 0.5158% | 4,358 |
| Noninterest expense to average assets | 3.4326% | 2,469 |
| Loan and lease loss provision to assets | 0.1213% | 6,150 |
| Net operating income to assets | 0.9152% | 2,365 |
| Return on assets (ROA) | 0.9152% | 2,432 |
| Pretax return on assets | 1.2353% | 2,147 |
| Return on Equity (ROE) | 6.3413% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.9492% | 1,976 |
| Net charge-offs to loans | 0.1990% | 4,821 |
| Credit loss provision to net charge-offs | 107.1429% | 4,745 |
| Earnings coverage of net charge-offs (x) | 11.9859% | 1,808 |
| Efficiency ratio | 71.6745% | 4,303 |
| Assets per employee ($millions) | 2.4892% | 7,244 |
| Cash dividends to net income (ytd only)* | 6.1843% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,792 |
| Loan loss allowance to noncurrent loans | 74.6497% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 5,003 |
| Noncurrent loans to loans | 1.6799% | 4,130 |
| Net loans and leases to total assets | 57.9313% | 5,902 |
| Net loans and leases to deposits | 69.6282% | 5,962 |
| Net loans and leases to core deposits | 81.0368% | 6,270 |
| Total domestic deposits to total assets | 83.2009% | 4,118 |
| Equity capital to assets | 15.5763% | 873 |
| Core capital (leverage) ratio | 14.8005% | 895 |
| Tier 1 risk-based capital ratio | 22.2697% | 1,193 |
| Total risk-based capital ratio | 23.3643% | 1,194 |
| Memoranda: | ||
| Average total assets | $82,461,500 | 5,676 |
| Average earning assets | $76,624,250 | 5,611 |
| Average equity | $11,900,500 | 4,821 |
| Average total loans | $46,894,250 | 5,854 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 5,736 |
| Cost of funding earning assets | 0.7399% | 7,881 |
| Net interest margin | 4.5430% | 1,070 |
| Noninterest income to average assets | 0.4820% | 4,608 |
| Noninterest expense to average assets | 3.4030% | 2,617 |
| Loan and lease loss provision to assets | 0.1199% | 5,925 |
| Net operating income to assets | 0.7794% | 2,936 |
| Return on assets (ROA) | 0.7794% | 3,031 |
| Pretax return on assets | 1.1703% | 2,394 |
| Return on Equity (ROE) | 5.5406% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.9439% | 2,543 |
| Net charge-offs to loans | 0.3706% | 3,333 |
| Credit loss provision to net charge-offs | 57.4713% | 5,637 |
| Earnings coverage of net charge-offs (x) | 6.1839% | 2,670 |
| Efficiency ratio | 72.5089% | 4,309 |
| Assets per employee ($millions) | 2.5303% | 7,191 |
| Cash dividends to net income (ytd only)* | 10.7692% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 5,193 |
| Loan loss allowance to noncurrent loans | 154.1076% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 5,621 |
| Noncurrent loans to loans | 0.7525% | 5,733 |
| Net loans and leases to total assets | 57.2614% | 6,061 |
| Net loans and leases to deposits | 68.0013% | 6,188 |
| Net loans and leases to core deposits | 78.4368% | 6,522 |
| Total domestic deposits to total assets | 84.2063% | 3,643 |
| Equity capital to assets | 14.7069% | 1,104 |
| Core capital (leverage) ratio | 14.1102% | 1,112 |
| Tier 1 risk-based capital ratio | 21.9992% | 1,257 |
| Total risk-based capital ratio | 23.0236% | 1,258 |
| Memoranda: | ||
| Average total assets | $83,397,670 | 5,686 |
| Average earning assets | $77,305,330 | 5,620 |
| Average equity | $11,731,670 | 4,884 |
| Average total loans | $46,949,000 | 5,890 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 6,209 |
| Cost of funding earning assets | 0.7813% | 7,928 |
| Net interest margin | 4.4425% | 1,243 |
| Noninterest income to average assets | 0.4586% | 4,696 |
| Noninterest expense to average assets | 3.3707% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8415% | 2,947 |
| Return on assets (ROA) | 0.8415% | 3,093 |
| Pretax return on assets | 1.2008% | 2,626 |
| Return on Equity (ROE) | 6.1150% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.1150% | 2,580 |
| Net charge-offs to loans | -0.1448% | 7,968 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7332% | 3,867 |
| Assets per employee ($millions) | 2.4013% | 7,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 4,197 |
| Loan loss allowance to noncurrent loans | 59.5618% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 3,687 |
| Noncurrent loans to loans | 2.1497% | 3,052 |
| Net loans and leases to total assets | 54.8605% | 6,374 |
| Net loans and leases to deposits | 64.3171% | 6,529 |
| Net loans and leases to core deposits | 73.4480% | 6,841 |
| Total domestic deposits to total assets | 85.2970% | 3,062 |
| Equity capital to assets | 13.9534% | 1,378 |
| Core capital (leverage) ratio | 13.6255% | 1,285 |
| Tier 1 risk-based capital ratio | 18.8328% | 1,851 |
| Total risk-based capital ratio | 19.8126% | 1,870 |
| Memoranda: | ||
| Average total assets | $84,612,000 | 5,656 |
| Average earning assets | $78,334,500 | 5,613 |
| Average equity | $11,643,500 | 4,940 |
| Average total loans | $46,969,500 | 5,917 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1577% | 4,741 |
| Cost of funding earning assets | 1.2073% | 7,936 |
| Net interest margin | 4.9505% | 569 |
| Noninterest income to average assets | 0.5132% | 4,522 |
| Noninterest expense to average assets | 3.8420% | 1,673 |
| Loan and lease loss provision to assets | 0.1286% | 5,721 |
| Net operating income to assets | 0.8708% | 3,131 |
| Return on assets (ROA) | 0.8708% | 2,981 |
| Pretax return on assets | 1.1100% | 2,993 |
| Return on Equity (ROE) | 5.8773% | 3,998 |
| Retained earnings to average equity (ytd only) | 1.0244% | 4,611 |
| Net charge-offs to loans | 0.3366% | 3,150 |
| Credit loss provision to net charge-offs | 67.1141% | 6,120 |
| Earnings coverage of net charge-offs (x) | 6.4631% | 3,354 |
| Efficiency ratio | 75.6203% | 3,301 |
| Assets per employee ($millions) | 2.4337% | 7,340 |
| Cash dividends to net income (ytd only)* | 82.5702% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 4,311 |
| Loan loss allowance to noncurrent loans | 55.8654% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.5367% | 3,148 |
| Noncurrent loans to loans | 2.2018% | 2,508 |
| Net loans and leases to total assets | 54.7699% | 6,570 |
| Net loans and leases to deposits | 64.3232% | 6,767 |
| Net loans and leases to core deposits | 71.8977% | 7,084 |
| Total domestic deposits to total assets | 85.1479% | 2,776 |
| Equity capital to assets | 13.5713% | 1,578 |
| Core capital (leverage) ratio | 14.1783% | 1,223 |
| Tier 1 risk-based capital ratio | 17.9374% | 2,052 |
| Total risk-based capital ratio | 18.8584% | 2,086 |
| Memoranda: | ||
| Average total assets | $77,745,400 | 5,775 |
| Average earning assets | $71,730,800 | 5,752 |
| Average equity | $11,518,800 | 4,964 |
| Average total loans | $44,266,200 | 5,964 |