Home > Bank of Milton > Performance and Condition Ratios
Bank of Milton, 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 | 4.8685% | 2,346 |
| Cost of funding earning assets | 0.9515% | 3,407 |
| Net interest margin | 3.9170% | 1,343 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.1066% | 3,391 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2786% | 1,474 |
| Return on assets (ROA) | 0.6080% | 3,414 |
| Pretax return on assets | 1.0936% | 2,423 |
| Return on Equity (ROE) | 9.6700% | 2,590 |
| Retained earnings to average equity (ytd only) | 0.8316% | 3,871 |
| Net charge-offs to loans | -0.0008% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.1826% | 3,893 |
| Assets per employee ($millions) | 8.9709% | 991 |
| Cash dividends to net income (ytd only)* | 91.3998% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,356 |
| Loan loss allowance to noncurrent loans | 1,004.3716% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 1,528 |
| Noncurrent loans to loans | 0.1404% | 2,810 |
| Net loans and leases to total assets | 71.6100% | 1,630 |
| Net loans and leases to deposits | 77.5274% | 2,314 |
| Net loans and leases to core deposits | 88.7888% | 2,131 |
| Total domestic deposits to total assets | 92.3600% | 249 |
| Equity capital to assets | 7.4686% | 3,738 |
| Core capital (leverage) ratio | 9.5634% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $179,770,600 | 3,130 |
| Average earning assets | $171,202,600 | 3,082 |
| Average equity | $11,303,800 | 3,591 |
| Average total loans | $125,653,000 | 2,893 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 2,346 |
| Cost of funding earning assets | 0.8663% | 3,355 |
| Net interest margin | 3.8971% | 1,411 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.0482% | 3,475 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.4190% | 1,278 |
| Return on assets (ROA) | 0.7754% | 3,085 |
| Pretax return on assets | 1.1631% | 2,382 |
| Return on Equity (ROE) | 12.9400% | 1,911 |
| Retained earnings to average equity (ytd only) | 3.8095% | 3,310 |
| Net charge-offs to loans | -0.0054% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.0453% | 3,908 |
| Assets per employee ($millions) | 8.1507% | 1,276 |
| Cash dividends to net income (ytd only)* | 70.5545% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,250 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 1,924 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.9400% | 1,580 |
| Net loans and leases to deposits | 76.5307% | 2,372 |
| Net loans and leases to core deposits | 86.5611% | 2,152 |
| Total domestic deposits to total assets | 94.0100% | 189 |
| Equity capital to assets | 4.7399% | 4,295 |
| Core capital (leverage) ratio | 9.5197% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $179,859,000 | 3,136 |
| Average earning assets | $170,996,000 | 3,093 |
| Average equity | $10,779,750 | 3,644 |
| Average total loans | $124,488,500 | 2,906 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 2,425 |
| Cost of funding earning assets | 0.7896% | 3,238 |
| Net interest margin | 3.8049% | 1,609 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.0070% | 3,576 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3213% | 1,508 |
| Return on assets (ROA) | 1.2651% | 1,645 |
| Pretax return on assets | 1.8429% | 945 |
| Return on Equity (ROE) | 19.8100% | 731 |
| Retained earnings to average equity (ytd only) | 12.2036% | 947 |
| Net charge-offs to loans | -0.0080% | 3,848 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3431% | 3,892 |
| Assets per employee ($millions) | 8.4463% | 1,121 |
| Cash dividends to net income (ytd only)* | 38.4083% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,395 |
| Loan loss allowance to noncurrent loans | 386.3341% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 1,904 |
| Noncurrent loans to loans | 0.3722% | 1,808 |
| Net loans and leases to total assets | 68.8200% | 1,868 |
| Net loans and leases to deposits | 73.8867% | 2,506 |
| Net loans and leases to core deposits | 81.4021% | 2,378 |
| Total domestic deposits to total assets | 93.1400% | 233 |
| Equity capital to assets | 6.6831% | 3,916 |
| Core capital (leverage) ratio | 9.4383% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,757,333 | 3,117 |
| Average earning assets | $173,251,000 | 3,080 |
| Average equity | $11,668,667 | 3,571 |
| Average total loans | $124,333,667 | 2,903 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 2,432 |
| Cost of funding earning assets | 0.6822% | 3,112 |
| Net interest margin | 3.7660% | 1,756 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.9110% | 3,832 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3721% | 1,482 |
| Return on assets (ROA) | 1.2596% | 1,744 |
| Pretax return on assets | 1.7816% | 1,103 |
| Return on Equity (ROE) | 20.1800% | 742 |
| Retained earnings to average equity (ytd only) | 10.5390% | 1,570 |
| Net charge-offs to loans | -0.0064% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.0044% | 4,024 |
| Assets per employee ($millions) | 9.2620% | 853 |
| Cash dividends to net income (ytd only)* | 47.7740% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 1,621 |
| Loan loss allowance to noncurrent loans | 359.6708% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 1,830 |
| Noncurrent loans to loans | 0.3895% | 1,760 |
| Net loans and leases to total assets | 66.4100% | 2,015 |
| Net loans and leases to deposits | 71.5363% | 2,504 |
| Net loans and leases to core deposits | 77.6473% | 2,411 |
| Total domestic deposits to total assets | 92.8400% | 335 |
| Equity capital to assets | 6.9834% | 3,838 |
| Core capital (leverage) ratio | 8.9202% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4389% | 2,589 |
| Memoranda: | ||
| Average total assets | $185,450,000 | 3,134 |
| Average earning assets | $174,719,500 | 3,103 |
| Average equity | $11,576,000 | 3,610 |
| Average total loans | $124,575,500 | 2,940 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 1,902 |
| Cost of funding earning assets | 0.2657% | 3,203 |
| Net interest margin | 3.6673% | 1,458 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 1.9453% | 3,730 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1978% | 1,774 |
| Return on assets (ROA) | 0.9798% | 2,590 |
| Pretax return on assets | 1.6149% | 1,135 |
| Return on Equity (ROE) | 15.2100% | 1,209 |
| Retained earnings to average equity (ytd only) | 7.0022% | 2,243 |
| Net charge-offs to loans | 0.0738% | 909 |
| Credit loss provision to net charge-offs | 157.3034% | 1,270 |
| Earnings coverage of net charge-offs (x) | 40.1461% | 1,505 |
| Efficiency ratio | 49.5285% | 4,153 |
| Assets per employee ($millions) | 9.2830% | 835 |
| Cash dividends to net income (ytd only)* | 53.9629% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 1,570 |
| Loan loss allowance to noncurrent loans | 353.2922% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 1,856 |
| Noncurrent loans to loans | 0.3907% | 1,749 |
| Net loans and leases to total assets | 66.0700% | 2,036 |
| Net loans and leases to deposits | 70.0166% | 2,579 |
| Net loans and leases to core deposits | 74.7804% | 2,512 |
| Total domestic deposits to total assets | 94.3600% | 204 |
| Equity capital to assets | 5.5025% | 4,239 |
| Core capital (leverage) ratio | 9.0313% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4557% | 2,587 |
| Memoranda: | ||
| Average total assets | $181,563,400 | 3,176 |
| Average earning assets | $173,098,400 | 3,121 |
| Average equity | $11,696,400 | 3,697 |
| Average total loans | $120,665,800 | 2,912 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 1,581 |
| Cost of funding earning assets | 0.2390% | 2,830 |
| Net interest margin | 3.6219% | 1,343 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.9430% | 3,642 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4683% | 912 |
| Return on assets (ROA) | 1.3603% | 1,164 |
| Pretax return on assets | 1.7488% | 812 |
| Return on Equity (ROE) | 20.3500% | 404 |
| Retained earnings to average equity (ytd only) | 9.7457% | 1,418 |
| Net charge-offs to loans | -0.0312% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.6966% | 4,181 |
| Assets per employee ($millions) | 8.8764% | 938 |
| Cash dividends to net income (ytd only)* | 52.1173% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,454 |
| Loan loss allowance to noncurrent loans | 318.0036% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 1,679 |
| Noncurrent loans to loans | 0.4558% | 1,665 |
| Net loans and leases to total assets | 68.3300% | 1,637 |
| Net loans and leases to deposits | 73.4644% | 2,096 |
| Net loans and leases to core deposits | 78.4082% | 2,012 |
| Total domestic deposits to total assets | 93.0100% | 579 |
| Equity capital to assets | 5.0843% | 4,269 |
| Core capital (leverage) ratio | 9.0943% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6892% | 2,578 |
| Memoranda: | ||
| Average total assets | $180,539,250 | 3,203 |
| Average earning assets | $172,352,250 | 3,152 |
| Average equity | $12,066,500 | 3,704 |
| Average total loans | $119,738,000 | 2,930 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 1,409 |
| Cost of funding earning assets | 0.2276% | 2,536 |
| Net interest margin | 3.5276% | 1,242 |
| Noninterest income to average assets | 0.4462% | 2,476 |
| Noninterest expense to average assets | 1.9092% | 3,679 |
| Loan and lease loss provision to assets | 0.0661% | 1,424 |
| Net operating income to assets | 1.4364% | 822 |
| Return on assets (ROA) | 1.4399% | 795 |
| Pretax return on assets | 1.8387% | 545 |
| Return on Equity (ROE) | 19.9847% | 308 |
| Retained earnings to average equity (ytd only) | 12.8287% | 485 |
| Net charge-offs to loans | -0.0405% | 4,156 |
| Credit loss provision to net charge-offs | -250.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9422% | 4,250 |
| Assets per employee ($millions) | 8.1905% | 1,204 |
| Cash dividends to net income (ytd only)* | 35.8072% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,583 |
| Loan loss allowance to noncurrent loans | 1,434.4262% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,299 |
| Noncurrent loans to loans | 0.1006% | 3,255 |
| Net loans and leases to total assets | 66.3165% | 1,653 |
| Net loans and leases to deposits | 70.6594% | 2,141 |
| Net loans and leases to core deposits | 75.0878% | 2,084 |
| Total domestic deposits to total assets | 93.8538% | 307 |
| Equity capital to assets | 6.0313% | 4,192 |
| Core capital (leverage) ratio | 9.0310% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6589% | 2,628 |
| Memoranda: | ||
| Average total assets | $181,543,000 | 3,232 |
| Average earning assets | $173,093,667 | 3,186 |
| Average equity | $13,080,000 | 3,675 |
| Average total loans | $118,621,667 | 2,963 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 1,346 |
| Cost of funding earning assets | 0.2306% | 2,390 |
| Net interest margin | 3.4377% | 1,214 |
| Noninterest income to average assets | 0.4237% | 2,533 |
| Noninterest expense to average assets | 2.0217% | 3,383 |
| Loan and lease loss provision to assets | 0.0659% | 1,241 |
| Net operating income to assets | 1.3332% | 931 |
| Return on assets (ROA) | 1.3369% | 915 |
| Pretax return on assets | 1.6134% | 808 |
| Return on Equity (ROE) | 17.1719% | 403 |
| Retained earnings to average equity (ytd only) | 13.7882% | 397 |
| Net charge-offs to loans | -0.0034% | 3,228 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5131% | 4,022 |
| Assets per employee ($millions) | 8.9826% | 921 |
| Cash dividends to net income (ytd only)* | 19.7044% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,646 |
| Loan loss allowance to noncurrent loans | 169,700.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,124 |
| Noncurrent loans to loans | 0.0009% | 4,053 |
| Net loans and leases to total assets | 63.2499% | 1,713 |
| Net loans and leases to deposits | 70.3193% | 1,938 |
| Net loans and leases to core deposits | 74.7776% | 1,871 |
| Total domestic deposits to total assets | 89.9466% | 1,594 |
| Equity capital to assets | 6.7225% | 4,331 |
| Core capital (leverage) ratio | 8.6247% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6895% | 2,721 |
| Memoranda: | ||
| Average total assets | $182,218,500 | 3,232 |
| Average earning assets | $173,486,000 | 3,194 |
| Average equity | $14,186,000 | 3,635 |
| Average total loans | $117,309,000 | 2,966 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 1,905 |
| Cost of funding earning assets | 0.2547% | 2,871 |
| Net interest margin | 3.5337% | 1,639 |
| Noninterest income to average assets | 0.7130% | 1,722 |
| Noninterest expense to average assets | 1.9607% | 3,795 |
| Loan and lease loss provision to assets | 0.0677% | 1,714 |
| Net operating income to assets | 1.5346% | 943 |
| Return on assets (ROA) | 1.4976% | 1,074 |
| Pretax return on assets | 1.9793% | 628 |
| Return on Equity (ROE) | 16.8556% | 614 |
| Retained earnings to average equity (ytd only) | 8.3612% | 1,404 |
| Net charge-offs to loans | 0.0077% | 2,294 |
| Credit loss provision to net charge-offs | 1,333.3333% | 428 |
| Earnings coverage of net charge-offs (x) | 412.4444% | 317 |
| Efficiency ratio | 47.9967% | 4,406 |
| Assets per employee ($millions) | 9.2393% | 855 |
| Cash dividends to net income (ytd only)* | 50.3955% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.6553% | 1,743 |
| Net loans and leases to deposits | 71.9557% | 1,915 |
| Net loans and leases to core deposits | 76.5162% | 1,876 |
| Total domestic deposits to total assets | 88.4645% | 1,803 |
| Equity capital to assets | 8.8183% | 3,795 |
| Core capital (leverage) ratio | 8.5702% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0590% | 2,873 |
| Memoranda: | ||
| Average total assets | $177,283,000 | 3,233 |
| Average earning assets | $167,642,400 | 3,209 |
| Average equity | $15,751,400 | 3,565 |
| Average total loans | $117,551,200 | 2,970 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 2,010 |
| Cost of funding earning assets | 0.2625% | 2,991 |
| Net interest margin | 3.5381% | 1,763 |
| Noninterest income to average assets | 0.7791% | 1,588 |
| Noninterest expense to average assets | 1.9398% | 3,838 |
| Loan and lease loss provision to assets | 0.0684% | 1,639 |
| Net operating income to assets | 1.5709% | 1,097 |
| Return on assets (ROA) | 1.5985% | 1,081 |
| Pretax return on assets | 2.1458% | 615 |
| Return on Equity (ROE) | 17.9561% | 632 |
| Retained earnings to average equity (ytd only) | 7.8723% | 2,100 |
| Net charge-offs to loans | 0.0034% | 2,222 |
| Credit loss provision to net charge-offs | 3,000.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 955.6667% | 170 |
| Efficiency ratio | 46.7429% | 4,460 |
| Assets per employee ($millions) | 8.4610% | 1,069 |
| Cash dividends to net income (ytd only)* | 56.1579% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 2,057 |
| Loan loss allowance to noncurrent loans | 1,391.5254% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,664 |
| Noncurrent loans to loans | 0.1001% | 3,581 |
| Net loans and leases to total assets | 65.4416% | 1,603 |
| Net loans and leases to deposits | 74.1602% | 1,841 |
| Net loans and leases to core deposits | 79.1707% | 1,803 |
| Total domestic deposits to total assets | 88.2436% | 1,696 |
| Equity capital to assets | 8.7471% | 4,034 |
| Core capital (leverage) ratio | 8.5016% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1037% | 2,945 |
| Memoranda: | ||
| Average total assets | $175,407,250 | 3,280 |
| Average earning assets | $165,585,500 | 3,257 |
| Average equity | $15,615,500 | 3,617 |
| Average total loans | $117,116,000 | 3,018 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 2,081 |
| Cost of funding earning assets | 0.2722% | 3,069 |
| Net interest margin | 3.5232% | 1,792 |
| Noninterest income to average assets | 0.9402% | 1,175 |
| Noninterest expense to average assets | 1.9433% | 3,856 |
| Loan and lease loss provision to assets | 0.0687% | 1,677 |
| Net operating income to assets | 1.6841% | 898 |
| Return on assets (ROA) | 1.7257% | 878 |
| Pretax return on assets | 2.2857% | 494 |
| Return on Equity (ROE) | 19.2711% | 516 |
| Retained earnings to average equity (ytd only) | 8.7724% | 1,790 |
| Net charge-offs to loans | -0.0068% | 3,530 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4276% | 4,547 |
| Assets per employee ($millions) | 8.8450% | 903 |
| Cash dividends to net income (ytd only)* | 54.4791% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 2,120 |
| Loan loss allowance to noncurrent loans | 1,587.2549% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,867 |
| Noncurrent loans to loans | 0.0861% | 3,757 |
| Net loans and leases to total assets | 62.8894% | 2,073 |
| Net loans and leases to deposits | 71.8192% | 2,223 |
| Net loans and leases to core deposits | 77.0439% | 2,133 |
| Total domestic deposits to total assets | 87.5663% | 2,064 |
| Equity capital to assets | 8.4266% | 4,255 |
| Core capital (leverage) ratio | 8.3952% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2626% | 2,906 |
| Memoranda: | ||
| Average total assets | $174,649,000 | 3,293 |
| Average earning assets | $163,829,333 | 3,272 |
| Average equity | $15,640,000 | 3,620 |
| Average total loans | $116,848,000 | 3,038 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 2,068 |
| Cost of funding earning assets | 0.2827% | 3,166 |
| Net interest margin | 3.5292% | 1,749 |
| Noninterest income to average assets | 0.7924% | 1,596 |
| Noninterest expense to average assets | 2.1265% | 3,340 |
| Loan and lease loss provision to assets | 0.0710% | 1,738 |
| Net operating income to assets | 1.8516% | 718 |
| Return on assets (ROA) | 1.9539% | 656 |
| Pretax return on assets | 2.0698% | 845 |
| Return on Equity (ROE) | 21.1334% | 458 |
| Retained earnings to average equity (ytd only) | 6.2684% | 2,804 |
| Net charge-offs to loans | -0.0069% | 3,520 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7964% | 4,117 |
| Assets per employee ($millions) | 8.6688% | 926 |
| Cash dividends to net income (ytd only)* | 70.3390% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 2,034 |
| Loan loss allowance to noncurrent loans | 1,455.9633% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,927 |
| Noncurrent loans to loans | 0.0950% | 3,830 |
| Net loans and leases to total assets | 65.2351% | 1,897 |
| Net loans and leases to deposits | 75.8173% | 1,931 |
| Net loans and leases to core deposits | 81.3888% | 1,883 |
| Total domestic deposits to total assets | 86.0425% | 2,724 |
| Equity capital to assets | 8.7532% | 3,910 |
| Core capital (leverage) ratio | 8.3852% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4798% | 2,819 |
| Memoranda: | ||
| Average total assets | $169,101,000 | 3,346 |
| Average earning assets | $161,281,000 | 3,296 |
| Average equity | $15,634,000 | 3,624 |
| Average total loans | $116,055,500 | 3,051 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 1,645 |
| Cost of funding earning assets | 0.4209% | 3,452 |
| Net interest margin | 3.9579% | 1,065 |
| Noninterest income to average assets | 0.9236% | 1,207 |
| Noninterest expense to average assets | 2.2098% | 3,643 |
| Loan and lease loss provision to assets | 0.0818% | 3,355 |
| Net operating income to assets | 2.1156% | 213 |
| Return on assets (ROA) | 2.1321% | 219 |
| Pretax return on assets | 2.3809% | 224 |
| Return on Equity (ROE) | 22.1577% | 158 |
| Retained earnings to average equity (ytd only) | 17.3266% | 98 |
| Net charge-offs to loans | -0.0009% | 3,933 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1002% | 4,671 |
| Assets per employee ($millions) | 7.8489% | 1,095 |
| Cash dividends to net income (ytd only)* | 21.8031% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 2,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 70.2966% | 1,521 |
| Net loans and leases to deposits | 82.9357% | 1,553 |
| Net loans and leases to core deposits | 90.1640% | 1,513 |
| Total domestic deposits to total assets | 84.7603% | 2,850 |
| Equity capital to assets | 9.7630% | 3,358 |
| Core capital (leverage) ratio | 8.7480% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3154% | 2,839 |
| Memoranda: | ||
| Average total assets | $146,707,400 | 3,437 |
| Average earning assets | $138,281,200 | 3,406 |
| Average equity | $14,117,000 | 3,745 |
| Average total loans | $108,185,200 | 3,117 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 1,760 |
| Cost of funding earning assets | 0.4590% | 3,474 |
| Net interest margin | 3.9722% | 1,177 |
| Noninterest income to average assets | 0.9706% | 1,083 |
| Noninterest expense to average assets | 2.2938% | 3,438 |
| Loan and lease loss provision to assets | 0.0844% | 3,256 |
| Net operating income to assets | 2.1245% | 231 |
| Return on assets (ROA) | 2.1475% | 239 |
| Pretax return on assets | 2.3669% | 253 |
| Return on Equity (ROE) | 22.4121% | 167 |
| Retained earnings to average equity (ytd only) | 15.7374% | 170 |
| Net charge-offs to loans | 0.0013% | 3,179 |
| Credit loss provision to net charge-offs | 9,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 2,587.0000% | 34 |
| Efficiency ratio | 48.2217% | 4,593 |
| Assets per employee ($millions) | 7.4479% | 1,245 |
| Cash dividends to net income (ytd only)* | 29.7817% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.6609% | 1,717 |
| Net loans and leases to deposits | 83.2642% | 1,989 |
| Net loans and leases to core deposits | 90.2337% | 1,951 |
| Total domestic deposits to total assets | 86.0645% | 2,037 |
| Equity capital to assets | 9.4395% | 3,731 |
| Core capital (leverage) ratio | 8.7341% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1312% | 2,889 |
| Memoranda: | ||
| Average total assets | $142,177,750 | 3,471 |
| Average earning assets | $134,197,000 | 3,446 |
| Average equity | $13,623,250 | 3,806 |
| Average total loans | $105,876,000 | 3,157 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,978 |
| Cost of funding earning assets | 0.5039% | 3,510 |
| Net interest margin | 3.9760% | 1,387 |
| Noninterest income to average assets | 1.0230% | 943 |
| Noninterest expense to average assets | 2.3138% | 3,480 |
| Loan and lease loss provision to assets | 0.0873% | 3,189 |
| Net operating income to assets | 2.1115% | 259 |
| Return on assets (ROA) | 2.1465% | 264 |
| Pretax return on assets | 2.4157% | 244 |
| Return on Equity (ROE) | 22.2759% | 155 |
| Retained earnings to average equity (ytd only) | 16.1746% | 164 |
| Net charge-offs to loans | -0.0058% | 4,053 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0353% | 4,627 |
| Assets per employee ($millions) | 7.1378% | 1,370 |
| Cash dividends to net income (ytd only)* | 27.3898% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 1,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 72.0047% | 1,705 |
| Net loans and leases to deposits | 82.0162% | 2,205 |
| Net loans and leases to core deposits | 89.4467% | 2,115 |
| Total domestic deposits to total assets | 87.7933% | 1,288 |
| Equity capital to assets | 9.4788% | 3,677 |
| Core capital (leverage) ratio | 8.9876% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2184% | 2,910 |
| Memoranda: | ||
| Average total assets | $137,435,000 | 3,514 |
| Average earning assets | $129,778,333 | 3,477 |
| Average equity | $13,243,000 | 3,849 |
| Average total loans | $103,299,667 | 3,185 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,883 |
| Cost of funding earning assets | 0.5613% | 3,639 |
| Net interest margin | 4.0777% | 1,181 |
| Noninterest income to average assets | 0.4451% | 2,814 |
| Noninterest expense to average assets | 2.5792% | 3,045 |
| Loan and lease loss provision to assets | 0.0915% | 2,543 |
| Net operating income to assets | 1.2185% | 1,457 |
| Return on assets (ROA) | 1.2835% | 1,381 |
| Pretax return on assets | 1.7103% | 843 |
| Return on Equity (ROE) | 13.1970% | 845 |
| Retained earnings to average equity (ytd only) | 8.1502% | 1,189 |
| Net charge-offs to loans | -0.0080% | 4,000 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5745% | 3,802 |
| Assets per employee ($millions) | 6.1652% | 1,547 |
| Cash dividends to net income (ytd only)* | 38.2423% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 75.9319% | 1,317 |
| Net loans and leases to deposits | 84.6419% | 2,149 |
| Net loans and leases to core deposits | 93.2599% | 2,042 |
| Total domestic deposits to total assets | 89.7096% | 412 |
| Equity capital to assets | 10.1182% | 3,678 |
| Core capital (leverage) ratio | 9.0434% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,206,000 | 3,571 |
| Average earning assets | $123,992,000 | 3,522 |
| Average equity | $12,760,500 | 3,905 |
| Average total loans | $100,236,000 | 3,222 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 2,517 |
| Cost of funding earning assets | 0.5625% | 3,814 |
| Net interest margin | 4.0682% | 1,630 |
| Noninterest income to average assets | 0.5018% | 2,729 |
| Noninterest expense to average assets | 2.5595% | 3,292 |
| Loan and lease loss provision to assets | 0.0965% | 2,108 |
| Net operating income to assets | 1.2938% | 1,716 |
| Return on assets (ROA) | 1.2938% | 1,791 |
| Pretax return on assets | 1.7071% | 1,171 |
| Return on Equity (ROE) | 13.9426% | 905 |
| Retained earnings to average equity (ytd only) | 7.8422% | 1,025 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1828% | 3,938 |
| Assets per employee ($millions) | 6.3306% | 1,398 |
| Cash dividends to net income (ytd only)* | 43.7539% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 1,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 4,013 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.6671% | 1,636 |
| Net loans and leases to deposits | 82.4671% | 2,499 |
| Net loans and leases to core deposits | 90.4703% | 2,376 |
| Total domestic deposits to total assets | 90.5417% | 190 |
| Equity capital to assets | 9.3432% | 4,464 |
| Core capital (leverage) ratio | 9.0812% | 4,457 |
| Tier 1 risk-based capital ratio | 10.6428% | 4,972 |
| Total risk-based capital ratio | 11.8935% | 4,899 |
| Memoranda: | ||
| Average total assets | $124,362,400 | 3,637 |
| Average earning assets | $118,036,800 | 3,588 |
| Average equity | $11,540,200 | 4,050 |
| Average total loans | $92,421,400 | 3,349 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 2,662 |
| Cost of funding earning assets | 0.5625% | 3,855 |
| Net interest margin | 4.0566% | 1,740 |
| Noninterest income to average assets | 0.4887% | 2,801 |
| Noninterest expense to average assets | 2.5724% | 3,238 |
| Loan and lease loss provision to assets | 0.0982% | 1,952 |
| Net operating income to assets | 1.2622% | 1,974 |
| Return on assets (ROA) | 1.2622% | 2,057 |
| Pretax return on assets | 1.6811% | 1,394 |
| Return on Equity (ROE) | 13.6275% | 1,072 |
| Retained earnings to average equity (ytd only) | 5.3355% | 2,714 |
| Net charge-offs to loans | 0.0015% | 3,399 |
| Credit loss provision to net charge-offs | 9,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 1,635.0451% | 47 |
| Efficiency ratio | 58.6362% | 3,844 |
| Assets per employee ($millions) | 5.9537% | 1,636 |
| Cash dividends to net income (ytd only)* | 60.8467% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,240 |
| Loan loss allowance to noncurrent loans | 835.1190% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,058 |
| Noncurrent loans to loans | 0.1800% | 3,887 |
| Net loans and leases to total assets | 73.5251% | 1,916 |
| Net loans and leases to deposits | 81.5151% | 2,743 |
| Net loans and leases to core deposits | 91.2173% | 2,443 |
| Total domestic deposits to total assets | 90.1982% | 240 |
| Equity capital to assets | 9.6642% | 4,322 |
| Core capital (leverage) ratio | 8.9279% | 4,685 |
| Tier 1 risk-based capital ratio | 10.7442% | 5,005 |
| Total risk-based capital ratio | 11.9952% | 4,915 |
| Memoranda: | ||
| Average total assets | $122,217,500 | 3,697 |
| Average earning assets | $116,383,000 | 3,647 |
| Average equity | $11,320,000 | 4,120 |
| Average total loans | $90,352,500 | 3,429 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 2,734 |
| Cost of funding earning assets | 0.5462% | 3,897 |
| Net interest margin | 4.0347% | 1,815 |
| Noninterest income to average assets | 0.4485% | 2,967 |
| Noninterest expense to average assets | 2.5857% | 3,223 |
| Loan and lease loss provision to assets | 0.0989% | 1,890 |
| Net operating income to assets | 1.1741% | 2,243 |
| Return on assets (ROA) | 1.1741% | 2,322 |
| Pretax return on assets | 1.6012% | 1,547 |
| Return on Equity (ROE) | 12.8686% | 1,283 |
| Retained earnings to average equity (ytd only) | 2.4219% | 3,975 |
| Net charge-offs to loans | 0.0045% | 3,005 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 515.5000% | 146 |
| Efficiency ratio | 59.8307% | 3,752 |
| Assets per employee ($millions) | 6.0077% | 1,540 |
| Cash dividends to net income (ytd only)* | 81.1798% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,393 |
| Loan loss allowance to noncurrent loans | 675.3695% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 3,359 |
| Noncurrent loans to loans | 0.2160% | 3,766 |
| Net loans and leases to total assets | 73.3967% | 1,988 |
| Net loans and leases to deposits | 80.8540% | 2,862 |
| Net loans and leases to core deposits | 89.0460% | 2,691 |
| Total domestic deposits to total assets | 90.7769% | 134 |
| Equity capital to assets | 9.1161% | 4,726 |
| Core capital (leverage) ratio | 8.8480% | 4,758 |
| Tier 1 risk-based capital ratio | 10.3166% | 5,168 |
| Total risk-based capital ratio | 11.5670% | 5,085 |
| Memoranda: | ||
| Average total assets | $121,280,670 | 3,740 |
| Average earning assets | $115,349,670 | 3,686 |
| Average equity | $11,065,670 | 4,161 |
| Average total loans | $89,360,000 | 3,473 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 2,604 |
| Cost of funding earning assets | 0.5187% | 3,980 |
| Net interest margin | 4.0613% | 1,662 |
| Noninterest income to average assets | 0.4207% | 3,042 |
| Noninterest expense to average assets | 2.7061% | 2,889 |
| Loan and lease loss provision to assets | 0.1010% | 1,743 |
| Net operating income to assets | 1.1915% | 2,093 |
| Return on assets (ROA) | 1.1915% | 2,141 |
| Pretax return on assets | 1.4877% | 1,813 |
| Return on Equity (ROE) | 13.0531% | 1,201 |
| Retained earnings to average equity (ytd only) | 0.1475% | 4,495 |
| Net charge-offs to loans | 0.0138% | 2,212 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 157.3333% | 490 |
| Efficiency ratio | 62.5392% | 3,448 |
| Assets per employee ($millions) | 6.0017% | 1,549 |
| Cash dividends to net income (ytd only)* | 98.8701% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 1,202 |
| Loan loss allowance to noncurrent loans | 473.4982% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 3,351 |
| Noncurrent loans to loans | 0.3259% | 3,398 |
| Net loans and leases to total assets | 71.2321% | 2,294 |
| Net loans and leases to deposits | 78.6059% | 2,993 |
| Net loans and leases to core deposits | 86.6185% | 2,812 |
| Total domestic deposits to total assets | 90.6192% | 249 |
| Equity capital to assets | 9.2283% | 4,502 |
| Core capital (leverage) ratio | 8.9131% | 4,711 |
| Tier 1 risk-based capital ratio | 10.6099% | 5,150 |
| Total risk-based capital ratio | 11.8608% | 5,042 |
| Memoranda: | ||
| Average total assets | $118,840,500 | 3,823 |
| Average earning assets | $113,362,000 | 3,756 |
| Average equity | $10,848,000 | 4,221 |
| Average total loans | $87,055,500 | 3,557 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 2,721 |
| Cost of funding earning assets | 0.4514% | 3,672 |
| Net interest margin | 3.9608% | 2,124 |
| Noninterest income to average assets | 0.5187% | 2,724 |
| Noninterest expense to average assets | 2.5616% | 3,436 |
| Loan and lease loss provision to assets | 0.0777% | 2,574 |
| Net operating income to assets | 1.6399% | 794 |
| Return on assets (ROA) | 1.3171% | 1,719 |
| Pretax return on assets | 1.3205% | 2,431 |
| Return on Equity (ROE) | 15.0265% | 824 |
| Retained earnings to average equity (ytd only) | 6.0559% | 2,165 |
| Net charge-offs to loans | -0.0180% | 4,673 |
| Credit loss provision to net charge-offs | -600.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2906% | 3,971 |
| Assets per employee ($millions) | 5.6023% | 1,861 |
| Cash dividends to net income (ytd only)* | 59.6986% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,274 |
| Loan loss allowance to noncurrent loans | 293.3036% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 3,036 |
| Noncurrent loans to loans | 0.5134% | 2,742 |
| Net loans and leases to total assets | 73.0612% | 2,086 |
| Net loans and leases to deposits | 80.4242% | 2,905 |
| Net loans and leases to core deposits | 87.6457% | 2,775 |
| Total domestic deposits to total assets | 90.8447% | 242 |
| Equity capital to assets | 9.0261% | 4,557 |
| Core capital (leverage) ratio | 9.1860% | 4,472 |
| Tier 1 risk-based capital ratio | 10.7881% | 5,075 |
| Total risk-based capital ratio | 12.0381% | 4,961 |
| Memoranda: | ||
| Average total assets | $115,863,400 | 3,854 |
| Average earning assets | $110,105,000 | 3,800 |
| Average equity | $10,155,400 | 4,278 |
| Average total loans | $83,549,800 | 3,600 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 2,715 |
| Cost of funding earning assets | 0.4433% | 3,577 |
| Net interest margin | 3.9301% | 2,199 |
| Noninterest income to average assets | 0.5291% | 2,680 |
| Noninterest expense to average assets | 2.5888% | 3,319 |
| Loan and lease loss provision to assets | 0.0693% | 2,585 |
| Net operating income to assets | 1.5953% | 971 |
| Return on assets (ROA) | 1.5953% | 976 |
| Pretax return on assets | 1.5988% | 1,584 |
| Return on Equity (ROE) | 18.3405% | 396 |
| Retained earnings to average equity (ytd only) | 6.2418% | 2,527 |
| Net charge-offs to loans | -0.0420% | 4,868 |
| Credit loss provision to net charge-offs | -230.7692% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2985% | 3,776 |
| Assets per employee ($millions) | 5.7892% | 1,654 |
| Cash dividends to net income (ytd only)* | 65.9668% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 1,305 |
| Loan loss allowance to noncurrent loans | 318.9655% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 3,271 |
| Noncurrent loans to loans | 0.4745% | 2,963 |
| Net loans and leases to total assets | 72.7758% | 2,207 |
| Net loans and leases to deposits | 79.7845% | 3,069 |
| Net loans and leases to core deposits | 86.9164% | 2,926 |
| Total domestic deposits to total assets | 91.2155% | 176 |
| Equity capital to assets | 8.6308% | 4,846 |
| Core capital (leverage) ratio | 9.0262% | 4,680 |
| Tier 1 risk-based capital ratio | 10.2733% | 5,302 |
| Total risk-based capital ratio | 11.5224% | 5,233 |
| Memoranda: | ||
| Average total assets | $115,417,250 | 3,902 |
| Average earning assets | $109,476,500 | 3,849 |
| Average equity | $10,039,500 | 4,331 |
| Average total loans | $82,620,000 | 3,643 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,860 |
| Cost of funding earning assets | 0.4086% | 3,662 |
| Net interest margin | 3.8639% | 2,336 |
| Noninterest income to average assets | 0.5447% | 2,599 |
| Noninterest expense to average assets | 2.5639% | 3,435 |
| Loan and lease loss provision to assets | 0.0520% | 2,875 |
| Net operating income to assets | 1.5838% | 955 |
| Return on assets (ROA) | 1.5838% | 960 |
| Pretax return on assets | 1.5872% | 1,541 |
| Return on Equity (ROE) | 18.1601% | 402 |
| Retained earnings to average equity (ytd only) | 4.2765% | 3,467 |
| Net charge-offs to loans | 0.0098% | 2,787 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 236.2500% | 374 |
| Efficiency ratio | 60.4622% | 3,872 |
| Assets per employee ($millions) | 5.8768% | 1,567 |
| Cash dividends to net income (ytd only)* | 76.4513% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 1,470 |
| Loan loss allowance to noncurrent loans | 261.9958% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 3,131 |
| Noncurrent loans to loans | 0.5629% | 2,732 |
| Net loans and leases to total assets | 70.1385% | 2,559 |
| Net loans and leases to deposits | 78.9311% | 3,060 |
| Net loans and leases to core deposits | 85.5148% | 2,968 |
| Total domestic deposits to total assets | 88.8604% | 992 |
| Equity capital to assets | 8.4476% | 4,985 |
| Core capital (leverage) ratio | 9.1074% | 4,577 |
| Tier 1 risk-based capital ratio | 10.2644% | 5,350 |
| Total risk-based capital ratio | 11.4893% | 5,283 |
| Memoranda: | ||
| Average total assets | $115,295,330 | 3,934 |
| Average earning assets | $109,163,000 | 3,888 |
| Average equity | $10,055,000 | 4,375 |
| Average total loans | $81,641,000 | 3,684 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 2,686 |
| Cost of funding earning assets | 0.3701% | 3,831 |
| Net interest margin | 3.8856% | 2,104 |
| Noninterest income to average assets | 0.4660% | 3,023 |
| Noninterest expense to average assets | 2.7256% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4154% | 1,307 |
| Return on assets (ROA) | 1.4154% | 1,315 |
| Pretax return on assets | 1.4189% | 1,943 |
| Return on Equity (ROE) | 15.9715% | 625 |
| Retained earnings to average equity (ytd only) | 8.8555% | 1,516 |
| Net charge-offs to loans | -0.0099% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2578% | 3,284 |
| Assets per employee ($millions) | 5.6222% | 1,828 |
| Cash dividends to net income (ytd only)* | 44.5545% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,442 |
| Loan loss allowance to noncurrent loans | 326.4151% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 3,206 |
| Noncurrent loans to loans | 0.4614% | 3,143 |
| Net loans and leases to total assets | 70.4392% | 2,399 |
| Net loans and leases to deposits | 79.7688% | 2,836 |
| Net loans and leases to core deposits | 85.9810% | 2,806 |
| Total domestic deposits to total assets | 88.3043% | 1,459 |
| Equity capital to assets | 8.9201% | 4,638 |
| Core capital (leverage) ratio | 9.0251% | 4,657 |
| Tier 1 risk-based capital ratio | 10.3222% | 5,410 |
| Total risk-based capital ratio | 11.5307% | 5,344 |
| Memoranda: | ||
| Average total assets | $114,175,000 | 3,989 |
| Average earning assets | $108,092,000 | 3,946 |
| Average equity | $10,118,000 | 4,408 |
| Average total loans | $80,625,500 | 3,736 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 2,857 |
| Cost of funding earning assets | 0.3656% | 3,557 |
| Net interest margin | 3.7901% | 2,462 |
| Noninterest income to average assets | 0.4540% | 3,284 |
| Noninterest expense to average assets | 2.6987% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3138% | 1,193 |
| Return on assets (ROA) | 1.1900% | 1,576 |
| Pretax return on assets | 1.1917% | 2,805 |
| Return on Equity (ROE) | 13.7365% | 802 |
| Retained earnings to average equity (ytd only) | 3.1528% | 3,411 |
| Net charge-offs to loans | 0.0419% | 2,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 46.8125% | 1,143 |
| Efficiency ratio | 66.6594% | 3,140 |
| Assets per employee ($millions) | 5.5194% | 1,915 |
| Cash dividends to net income (ytd only)* | 77.0480% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,425 |
| Loan loss allowance to noncurrent loans | 375.4658% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,779 |
| Noncurrent loans to loans | 0.3983% | 3,329 |
| Net loans and leases to total assets | 68.6990% | 2,726 |
| Net loans and leases to deposits | 75.4522% | 3,385 |
| Net loans and leases to core deposits | 80.9333% | 3,345 |
| Total domestic deposits to total assets | 91.0497% | 231 |
| Equity capital to assets | 8.8053% | 4,893 |
| Core capital (leverage) ratio | 8.7984% | 4,863 |
| Tier 1 risk-based capital ratio | 10.4874% | 5,371 |
| Total risk-based capital ratio | 11.7374% | 5,280 |
| Memoranda: | ||
| Average total assets | $113,868,200 | 3,998 |
| Average earning assets | $106,962,000 | 3,964 |
| Average equity | $9,864,200 | 4,476 |
| Average total loans | $76,342,200 | 3,814 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 2,866 |
| Cost of funding earning assets | 0.3656% | 3,506 |
| Net interest margin | 3.7670% | 2,516 |
| Noninterest income to average assets | 0.4728% | 3,194 |
| Noninterest expense to average assets | 2.7652% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2456% | 1,528 |
| Return on assets (ROA) | 1.2456% | 1,550 |
| Pretax return on assets | 1.2467% | 2,726 |
| Return on Equity (ROE) | 14.4391% | 746 |
| Retained earnings to average equity (ytd only) | 0.2045% | 5,172 |
| Net charge-offs to loans | -0.0018% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3670% | 2,811 |
| Assets per employee ($millions) | 5.5195% | 1,904 |
| Cash dividends to net income (ytd only)* | 98.5842% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,198 |
| Loan loss allowance to noncurrent loans | 4,006.4516% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 5,106 |
| Noncurrent loans to loans | 0.0404% | 4,933 |
| Net loans and leases to total assets | 68.4247% | 2,782 |
| Net loans and leases to deposits | 75.3547% | 3,433 |
| Net loans and leases to core deposits | 80.8507% | 3,385 |
| Total domestic deposits to total assets | 90.8035% | 231 |
| Equity capital to assets | 9.0262% | 4,893 |
| Core capital (leverage) ratio | 8.8221% | 4,940 |
| Tier 1 risk-based capital ratio | 10.6151% | 5,413 |
| Total risk-based capital ratio | 11.8660% | 5,339 |
| Memoranda: | ||
| Average total assets | $113,358,500 | 4,048 |
| Average earning assets | $106,501,750 | 4,014 |
| Average equity | $9,778,750 | 4,534 |
| Average total loans | $75,218,750 | 3,872 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 2,877 |
| Cost of funding earning assets | 0.3622% | 3,457 |
| Net interest margin | 3.7228% | 2,573 |
| Noninterest income to average assets | 0.4600% | 3,288 |
| Noninterest expense to average assets | 2.7443% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2033% | 1,590 |
| Return on assets (ROA) | 1.2033% | 1,624 |
| Pretax return on assets | 1.2033% | 2,762 |
| Return on Equity (ROE) | 14.1607% | 788 |
| Retained earnings to average equity (ytd only) | -3.3138% | 5,451 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9411% | 2,859 |
| Assets per employee ($millions) | 5.5372% | 1,839 |
| Cash dividends to net income (ytd only)* | 123.4012% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 1,120 |
| Loan loss allowance to noncurrent loans | 4,136.6667% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 5,157 |
| Noncurrent loans to loans | 0.0402% | 4,994 |
| Net loans and leases to total assets | 66.1833% | 3,074 |
| Net loans and leases to deposits | 72.7202% | 3,672 |
| Net loans and leases to core deposits | 77.9011% | 3,606 |
| Total domestic deposits to total assets | 91.0108% | 220 |
| Equity capital to assets | 8.8628% | 5,026 |
| Core capital (leverage) ratio | 8.6346% | 5,103 |
| Tier 1 risk-based capital ratio | 10.0400% | 5,619 |
| Total risk-based capital ratio | 11.2910% | 5,567 |
| Memoranda: | ||
| Average total assets | $114,348,000 | 4,052 |
| Average earning assets | $107,122,330 | 4,030 |
| Average equity | $9,717,000 | 4,562 |
| Average total loans | $74,699,670 | 3,904 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 2,790 |
| Cost of funding earning assets | 0.3600% | 3,419 |
| Net interest margin | 3.7036% | 2,478 |
| Noninterest income to average assets | 0.4546% | 3,285 |
| Noninterest expense to average assets | 2.9135% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9780% | 2,405 |
| Return on assets (ROA) | 0.9780% | 2,457 |
| Pretax return on assets | 0.9780% | 3,468 |
| Return on Equity (ROE) | 11.7501% | 1,324 |
| Retained earnings to average equity (ytd only) | 0.9516% | 4,676 |
| Net charge-offs to loans | -0.0107% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3363% | 2,176 |
| Assets per employee ($millions) | 5.4518% | 1,937 |
| Cash dividends to net income (ytd only)* | 91.9014% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 1,162 |
| Loan loss allowance to noncurrent loans | 4,143.3333% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 5,214 |
| Noncurrent loans to loans | 0.0408% | 5,033 |
| Net loans and leases to total assets | 63.1425% | 3,387 |
| Net loans and leases to deposits | 69.0601% | 3,887 |
| Net loans and leases to core deposits | 74.8018% | 3,756 |
| Total domestic deposits to total assets | 91.4313% | 189 |
| Equity capital to assets | 8.4874% | 5,249 |
| Core capital (leverage) ratio | 8.2359% | 5,416 |
| Tier 1 risk-based capital ratio | 10.3623% | 5,603 |
| Total risk-based capital ratio | 11.6134% | 5,530 |
| Memoranda: | ||
| Average total assets | $116,150,000 | 4,061 |
| Average earning assets | $107,787,500 | 4,051 |
| Average equity | $9,668,000 | 4,593 |
| Average total loans | $74,782,000 | 3,929 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,491 |
| Cost of funding earning assets | 0.3662% | 3,356 |
| Net interest margin | 3.8321% | 2,201 |
| Noninterest income to average assets | 0.5238% | 3,074 |
| Noninterest expense to average assets | 2.5613% | 3,806 |
| Loan and lease loss provision to assets | 0.0359% | 3,647 |
| Net operating income to assets | 1.4949% | 836 |
| Return on assets (ROA) | 1.3638% | 1,119 |
| Pretax return on assets | 1.3683% | 2,045 |
| Return on Equity (ROE) | 15.5158% | 560 |
| Retained earnings to average equity (ytd only) | 3.0970% | 3,699 |
| Net charge-offs to loans | 0.1419% | 1,842 |
| Credit loss provision to net charge-offs | 37.0370% | 3,522 |
| Earnings coverage of net charge-offs (x) | 15.8241% | 2,169 |
| Efficiency ratio | 61.9518% | 4,260 |
| Assets per employee ($millions) | 5.6101% | 1,774 |
| Cash dividends to net income (ytd only)* | 80.0395% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 1,297 |
| Loan loss allowance to noncurrent loans | 3,182.0513% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 5,237 |
| Noncurrent loans to loans | 0.0513% | 5,039 |
| Net loans and leases to total assets | 63.4820% | 3,420 |
| Net loans and leases to deposits | 69.1712% | 3,990 |
| Net loans and leases to core deposits | 71.4941% | 4,113 |
| Total domestic deposits to total assets | 91.7751% | 129 |
| Equity capital to assets | 8.1646% | 5,489 |
| Core capital (leverage) ratio | 8.7082% | 5,066 |
| Tier 1 risk-based capital ratio | 10.4714% | 5,584 |
| Total risk-based capital ratio | 11.7227% | 5,520 |
| Memoranda: | ||
| Average total assets | $111,310,000 | 4,141 |
| Average earning assets | $103,780,000 | 4,121 |
| Average equity | $9,783,600 | 4,619 |
| Average total loans | $76,116,000 | 3,897 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,341 |
| Cost of funding earning assets | 0.3703% | 3,324 |
| Net interest margin | 3.8786% | 2,056 |
| Noninterest income to average assets | 0.5300% | 3,045 |
| Noninterest expense to average assets | 2.6609% | 3,465 |
| Loan and lease loss provision to assets | 0.0122% | 4,003 |
| Net operating income to assets | 1.4684% | 939 |
| Return on assets (ROA) | 1.4672% | 983 |
| Pretax return on assets | 1.4721% | 1,801 |
| Return on Equity (ROE) | 16.3800% | 504 |
| Retained earnings to average equity (ytd only) | -0.1086% | 5,374 |
| Net charge-offs to loans | 0.1173% | 1,777 |
| Credit loss provision to net charge-offs | 14.9254% | 3,330 |
| Earnings coverage of net charge-offs (x) | 18.2390% | 2,007 |
| Efficiency ratio | 63.6177% | 3,981 |
| Assets per employee ($millions) | 5.2431% | 2,098 |
| Cash dividends to net income (ytd only)* | 100.6630% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 1,406 |
| Loan loss allowance to noncurrent loans | 1,472.9412% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 5,128 |
| Noncurrent loans to loans | 0.1100% | 4,902 |
| Net loans and leases to total assets | 69.0214% | 2,638 |
| Net loans and leases to deposits | 75.9201% | 3,405 |
| Net loans and leases to core deposits | 78.8782% | 3,570 |
| Total domestic deposits to total assets | 90.9132% | 209 |
| Equity capital to assets | 8.9796% | 5,198 |
| Core capital (leverage) ratio | 8.6781% | 5,175 |
| Tier 1 risk-based capital ratio | 10.2590% | 5,716 |
| Total risk-based capital ratio | 11.5106% | 5,651 |
| Memoranda: | ||
| Average total assets | $109,684,250 | 4,203 |
| Average earning assets | $102,267,250 | 4,184 |
| Average equity | $9,824,750 | 4,650 |
| Average total loans | $76,137,250 | 3,927 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,502 |
| Cost of funding earning assets | 0.3631% | 3,423 |
| Net interest margin | 3.8419% | 2,163 |
| Noninterest income to average assets | 0.5076% | 3,140 |
| Noninterest expense to average assets | 2.6875% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4077% | 1,051 |
| Return on assets (ROA) | 1.4058% | 1,109 |
| Pretax return on assets | 1.4113% | 1,981 |
| Return on Equity (ROE) | 15.7079% | 575 |
| Retained earnings to average equity (ytd only) | -1.4892% | 5,492 |
| Net charge-offs to loans | -0.1161% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9599% | 3,854 |
| Assets per employee ($millions) | 5.2296% | 2,058 |
| Cash dividends to net income (ytd only)* | 109.4805% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 1,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 68.4432% | 2,717 |
| Net loans and leases to deposits | 75.3126% | 3,452 |
| Net loans and leases to core deposits | 77.5625% | 3,679 |
| Total domestic deposits to total assets | 90.8788% | 213 |
| Equity capital to assets | 9.0356% | 5,213 |
| Core capital (leverage) ratio | 8.7415% | 5,117 |
| Tier 1 risk-based capital ratio | 10.0392% | 5,845 |
| Total risk-based capital ratio | 11.2920% | 5,786 |
| Memoranda: | ||
| Average total assets | $109,544,000 | 4,236 |
| Average earning assets | $102,448,330 | 4,210 |
| Average equity | $9,804,000 | 4,684 |
| Average total loans | $75,767,000 | 3,957 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2415% | 2,328 |
| Cost of funding earning assets | 0.3623% | 3,481 |
| Net interest margin | 3.8792% | 1,999 |
| Noninterest income to average assets | 0.4753% | 3,310 |
| Noninterest expense to average assets | 2.6873% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3820% | 1,073 |
| Return on assets (ROA) | 1.3784% | 1,139 |
| Pretax return on assets | 1.3857% | 1,941 |
| Return on Equity (ROE) | 15.4754% | 607 |
| Retained earnings to average equity (ytd only) | 7.3477% | 1,731 |
| Net charge-offs to loans | -0.0212% | 4,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3812% | 3,899 |
| Assets per employee ($millions) | 5.3678% | 1,955 |
| Cash dividends to net income (ytd only)* | 52.5199% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 1,207 |
| Loan loss allowance to noncurrent loans | 169.8577% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 2,912 |
| Noncurrent loans to loans | 1.0437% | 2,303 |
| Net loans and leases to total assets | 67.7661% | 2,680 |
| Net loans and leases to deposits | 74.7107% | 3,347 |
| Net loans and leases to core deposits | 75.9120% | 3,692 |
| Total domestic deposits to total assets | 90.7048% | 361 |
| Equity capital to assets | 9.2300% | 4,957 |
| Core capital (leverage) ratio | 8.8377% | 5,038 |
| Tier 1 risk-based capital ratio | 11.1180% | 5,442 |
| Total risk-based capital ratio | 12.3709% | 5,348 |
| Memoranda: | ||
| Average total assets | $109,405,500 | 4,274 |
| Average earning assets | $101,568,000 | 4,259 |
| Average equity | $9,744,500 | 4,717 |
| Average total loans | $75,391,500 | 3,990 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 1,735 |
| Cost of funding earning assets | 0.3709% | 3,479 |
| Net interest margin | 4.0819% | 1,455 |
| Noninterest income to average assets | 0.9929% | 1,191 |
| Noninterest expense to average assets | 2.6317% | 3,810 |
| Loan and lease loss provision to assets | 0.1446% | 1,639 |
| Net operating income to assets | 1.9598% | 370 |
| Return on assets (ROA) | 1.9627% | 379 |
| Pretax return on assets | 1.9646% | 578 |
| Return on Equity (ROE) | 22.4610% | 157 |
| Retained earnings to average equity (ytd only) | 11.5725% | 285 |
| Net charge-offs to loans | 0.0860% | 2,596 |
| Credit loss provision to net charge-offs | 238.0952% | 1,198 |
| Earnings coverage of net charge-offs (x) | 34.6825% | 1,308 |
| Efficiency ratio | 55.0153% | 5,437 |
| Assets per employee ($millions) | 5.5728% | 1,720 |
| Cash dividends to net income (ytd only)* | 48.4774% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 1,336 |
| Loan loss allowance to noncurrent loans | 181.0512% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 3,104 |
| Noncurrent loans to loans | 0.9424% | 2,445 |
| Net loans and leases to total assets | 67.6596% | 2,761 |
| Net loans and leases to deposits | 74.0650% | 3,488 |
| Net loans and leases to core deposits | 75.2009% | 3,830 |
| Total domestic deposits to total assets | 91.3517% | 203 |
| Equity capital to assets | 8.5954% | 5,474 |
| Core capital (leverage) ratio | 8.9456% | 4,949 |
| Tier 1 risk-based capital ratio | 10.6799% | 5,686 |
| Total risk-based capital ratio | 11.9327% | 5,600 |
| Memoranda: | ||
| Average total assets | $103,735,800 | 4,389 |
| Average earning assets | $95,177,000 | 4,412 |
| Average equity | $9,064,600 | 4,832 |
| Average total loans | $73,271,800 | 4,017 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 1,616 |
| Cost of funding earning assets | 0.3763% | 3,477 |
| Net interest margin | 4.1154% | 1,374 |
| Noninterest income to average assets | 1.1892% | 857 |
| Noninterest expense to average assets | 2.6599% | 3,683 |
| Loan and lease loss provision to assets | 0.1965% | 1,026 |
| Net operating income to assets | 2.0954% | 308 |
| Return on assets (ROA) | 2.0994% | 326 |
| Pretax return on assets | 2.1033% | 496 |
| Return on Equity (ROE) | 23.9183% | 135 |
| Retained earnings to average equity (ytd only) | 9.1913% | 836 |
| Net charge-offs to loans | -0.0018% | 4,695 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1712% | 5,572 |
| Assets per employee ($millions) | 4.8914% | 2,431 |
| Cash dividends to net income (ytd only)* | 61.5722% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 1,218 |
| Loan loss allowance to noncurrent loans | 185.7916% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 2,925 |
| Noncurrent loans to loans | 0.9821% | 2,529 |
| Net loans and leases to total assets | 71.9205% | 2,073 |
| Net loans and leases to deposits | 79.1158% | 2,979 |
| Net loans and leases to core deposits | 80.2198% | 3,408 |
| Total domestic deposits to total assets | 90.9053% | 270 |
| Equity capital to assets | 8.9818% | 5,320 |
| Core capital (leverage) ratio | 8.8864% | 5,135 |
| Tier 1 risk-based capital ratio | 10.7321% | 5,790 |
| Total risk-based capital ratio | 11.9866% | 5,722 |
| Memoranda: | ||
| Average total assets | $101,806,000 | 4,475 |
| Average earning assets | $93,176,750 | 4,494 |
| Average equity | $8,935,750 | 4,922 |
| Average total loans | $72,410,000 | 4,069 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 1,617 |
| Cost of funding earning assets | 0.3768% | 3,534 |
| Net interest margin | 4.0995% | 1,350 |
| Noninterest income to average assets | 1.5350% | 541 |
| Noninterest expense to average assets | 2.7231% | 3,519 |
| Loan and lease loss provision to assets | 0.2364% | 770 |
| Net operating income to assets | 2.3251% | 217 |
| Return on assets (ROA) | 2.3290% | 224 |
| Pretax return on assets | 2.3310% | 322 |
| Return on Equity (ROE) | 26.7451% | 91 |
| Retained earnings to average equity (ytd only) | 8.4851% | 1,079 |
| Net charge-offs to loans | -0.0112% | 4,961 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0250% | 5,799 |
| Assets per employee ($millions) | 5.0478% | 2,216 |
| Cash dividends to net income (ytd only)* | 68.2741% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 1,224 |
| Loan loss allowance to noncurrent loans | 180.1874% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 2,945 |
| Noncurrent loans to loans | 1.0380% | 2,569 |
| Net loans and leases to total assets | 69.9532% | 2,322 |
| Net loans and leases to deposits | 76.7197% | 3,189 |
| Net loans and leases to core deposits | 77.8041% | 3,601 |
| Total domestic deposits to total assets | 91.1803% | 260 |
| Equity capital to assets | 8.7246% | 5,503 |
| Core capital (leverage) ratio | 8.7940% | 5,230 |
| Tier 1 risk-based capital ratio | 10.5752% | 5,891 |
| Total risk-based capital ratio | 11.8299% | 5,838 |
| Memoranda: | ||
| Average total assets | $101,501,670 | 4,523 |
| Average earning assets | $92,890,000 | 4,535 |
| Average equity | $8,839,000 | 4,976 |
| Average total loans | $71,463,670 | 4,124 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 1,724 |
| Cost of funding earning assets | 0.3774% | 3,562 |
| Net interest margin | 4.0357% | 1,451 |
| Noninterest income to average assets | 2.5704% | 263 |
| Noninterest expense to average assets | 2.7512% | 3,414 |
| Loan and lease loss provision to assets | 0.2358% | 728 |
| Net operating income to assets | 3.2818% | 78 |
| Return on assets (ROA) | 3.2818% | 81 |
| Pretax return on assets | 3.2818% | 118 |
| Return on Equity (ROE) | 37.7209% | 38 |
| Retained earnings to average equity (ytd only) | 20.5093% | 93 |
| Net charge-offs to loans | -0.0169% | 4,962 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5110% | 6,196 |
| Assets per employee ($millions) | 5.0358% | 2,309 |
| Cash dividends to net income (ytd only)* | 45.6287% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 1,480 |
| Loan loss allowance to noncurrent loans | 122.2645% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 2,319 |
| Noncurrent loans to loans | 1.4808% | 1,911 |
| Net loans and leases to total assets | 69.1946% | 2,252 |
| Net loans and leases to deposits | 76.1373% | 3,035 |
| Net loans and leases to core deposits | 77.2180% | 3,462 |
| Total domestic deposits to total assets | 90.8813% | 407 |
| Equity capital to assets | 9.0502% | 5,230 |
| Core capital (leverage) ratio | 8.6500% | 5,380 |
| Tier 1 risk-based capital ratio | 11.0784% | 5,769 |
| Total risk-based capital ratio | 12.3319% | 5,686 |
| Memoranda: | ||
| Average total assets | $101,774,500 | 4,561 |
| Average earning assets | $93,267,000 | 4,566 |
| Average equity | $8,854,500 | 5,021 |
| Average total loans | $71,211,500 | 4,155 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 1,732 |
| Cost of funding earning assets | 0.3875% | 3,825 |
| Net interest margin | 4.1512% | 1,428 |
| Noninterest income to average assets | 0.4112% | 4,100 |
| Noninterest expense to average assets | 2.8017% | 3,476 |
| Loan and lease loss provision to assets | 0.2395% | 991 |
| Net operating income to assets | 1.1109% | 1,940 |
| Return on assets (ROA) | 1.0640% | 2,172 |
| Pretax return on assets | 1.0650% | 3,230 |
| Return on Equity (ROE) | 12.7555% | 1,194 |
| Retained earnings to average equity (ytd only) | 0.3709% | 5,613 |
| Net charge-offs to loans | 0.0460% | 3,909 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 42.3125% | 1,036 |
| Efficiency ratio | 66.8349% | 4,085 |
| Assets per employee ($millions) | 5.4123% | 1,848 |
| Cash dividends to net income (ytd only)* | 97.0919% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 1,749 |
| Loan loss allowance to noncurrent loans | 170.4324% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 3,096 |
| Noncurrent loans to loans | 1.0035% | 2,825 |
| Net loans and leases to total assets | 68.2913% | 2,516 |
| Net loans and leases to deposits | 74.5689% | 3,366 |
| Net loans and leases to core deposits | 75.5956% | 3,756 |
| Total domestic deposits to total assets | 91.5815% | 210 |
| Equity capital to assets | 8.3572% | 5,858 |
| Core capital (leverage) ratio | 8.4196% | 5,643 |
| Tier 1 risk-based capital ratio | 9.7234% | 6,319 |
| Total risk-based capital ratio | 10.9761% | 6,284 |
| Memoranda: | ||
| Average total assets | $100,188,600 | 4,593 |
| Average earning assets | $90,311,600 | 4,644 |
| Average equity | $8,357,200 | 5,113 |
| Average total loans | $69,527,800 | 4,199 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 1,659 |
| Cost of funding earning assets | 0.3945% | 3,850 |
| Net interest margin | 4.1701% | 1,376 |
| Noninterest income to average assets | 0.3939% | 4,293 |
| Noninterest expense to average assets | 2.8869% | 3,172 |
| Loan and lease loss provision to assets | 0.2411% | 911 |
| Net operating income to assets | 1.0047% | 2,431 |
| Return on assets (ROA) | 1.0007% | 2,512 |
| Pretax return on assets | 1.0007% | 3,587 |
| Return on Equity (ROE) | 12.0027% | 1,480 |
| Retained earnings to average equity (ytd only) | -0.6267% | 5,896 |
| Net charge-offs to loans | 0.0077% | 4,447 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 232.6398% | 287 |
| Efficiency ratio | 69.2382% | 3,637 |
| Assets per employee ($millions) | 4.8622% | 2,430 |
| Cash dividends to net income (ytd only)* | 105.2200% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 2,004 |
| Loan loss allowance to noncurrent loans | 190.0958% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 3,373 |
| Noncurrent loans to loans | 0.8887% | 3,349 |
| Net loans and leases to total assets | 71.2116% | 1,989 |
| Net loans and leases to deposits | 79.3067% | 2,802 |
| Net loans and leases to core deposits | 80.4828% | 3,257 |
| Total domestic deposits to total assets | 89.7927% | 825 |
| Equity capital to assets | 8.7296% | 5,620 |
| Core capital (leverage) ratio | 8.4928% | 5,666 |
| Tier 1 risk-based capital ratio | 9.7333% | 6,400 |
| Total risk-based capital ratio | 10.9847% | 6,371 |
| Memoranda: | ||
| Average total assets | $99,527,500 | 4,654 |
| Average earning assets | $89,235,250 | 4,720 |
| Average equity | $8,298,000 | 5,170 |
| Average total loans | $69,047,750 | 4,242 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 1,726 |
| Cost of funding earning assets | 0.4111% | 3,759 |
| Net interest margin | 4.1226% | 1,444 |
| Noninterest income to average assets | 0.4886% | 3,565 |
| Noninterest expense to average assets | 3.1030% | 2,482 |
| Loan and lease loss provision to assets | 0.2393% | 942 |
| Net operating income to assets | 0.8256% | 3,203 |
| Return on assets (ROA) | 0.8176% | 3,342 |
| Pretax return on assets | 0.8176% | 4,205 |
| Return on Equity (ROE) | 9.9583% | 2,166 |
| Retained earnings to average equity (ytd only) | -5.0520% | 6,238 |
| Net charge-offs to loans | -0.0379% | 5,765 |
| Credit loss provision to net charge-offs | -923.0769% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8278% | 3,002 |
| Assets per employee ($millions) | 5.4587% | 1,732 |
| Cash dividends to net income (ytd only)* | 150.7317% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 2,146 |
| Loan loss allowance to noncurrent loans | 140.2200% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.5276% | 2,134 |
| Noncurrent loans to loans | 1.2081% | 2,818 |
| Net loans and leases to total assets | 67.7434% | 2,453 |
| Net loans and leases to deposits | 74.0285% | 3,312 |
| Net loans and leases to core deposits | 75.0925% | 3,726 |
| Total domestic deposits to total assets | 91.5099% | 264 |
| Equity capital to assets | 8.3964% | 5,885 |
| Core capital (leverage) ratio | 8.3529% | 5,798 |
| Tier 1 risk-based capital ratio | 9.9854% | 6,403 |
| Total risk-based capital ratio | 11.2378% | 6,360 |
| Memoranda: | ||
| Average total assets | $100,288,670 | 4,678 |
| Average earning assets | $89,506,670 | 4,739 |
| Average equity | $8,234,330 | 5,205 |
| Average total loans | $68,584,000 | 4,280 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 1,848 |
| Cost of funding earning assets | 0.4554% | 3,371 |
| Net interest margin | 4.0325% | 1,654 |
| Noninterest income to average assets | 0.4620% | 3,695 |
| Noninterest expense to average assets | 3.5576% | 1,384 |
| Loan and lease loss provision to assets | 0.2369% | 933 |
| Net operating income to assets | 0.2685% | 5,603 |
| Return on assets (ROA) | 0.2685% | 5,647 |
| Pretax return on assets | 0.2685% | 5,787 |
| Return on Equity (ROE) | 3.3064% | 5,344 |
| Retained earnings to average equity (ytd only) | -6.9045% | 6,235 |
| Net charge-offs to loans | -0.0753% | 5,992 |
| Credit loss provision to net charge-offs | -461.5385% | 5,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9776% | 1,339 |
| Assets per employee ($millions) | 5.4346% | 1,767 |
| Cash dividends to net income (ytd only)* | 308.8235% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 2,752 |
| Loan loss allowance to noncurrent loans | 76.4416% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.8901% | 1,823 |
| Noncurrent loans to loans | 2.0790% | 1,779 |
| Net loans and leases to total assets | 68.8079% | 2,090 |
| Net loans and leases to deposits | 75.2193% | 2,916 |
| Net loans and leases to core deposits | 76.3039% | 3,378 |
| Total domestic deposits to total assets | 91.4764% | 388 |
| Equity capital to assets | 8.4448% | 5,700 |
| Core capital (leverage) ratio | 8.1180% | 6,023 |
| Tier 1 risk-based capital ratio | 10.0768% | 6,454 |
| Total risk-based capital ratio | 11.3281% | 6,424 |
| Memoranda: | ||
| Average total assets | $101,305,000 | 4,700 |
| Average earning assets | $90,464,500 | 4,765 |
| Average equity | $8,226,500 | 5,235 |
| Average total loans | $69,021,500 | 4,298 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 1,191 |
| Cost of funding earning assets | 0.5740% | 2,892 |
| Net interest margin | 4.2788% | 1,155 |
| Noninterest income to average assets | 0.6295% | 2,919 |
| Noninterest expense to average assets | 2.6373% | 4,328 |
| Loan and lease loss provision to assets | 0.2781% | 1,250 |
| Net operating income to assets | 1.4455% | 928 |
| Return on assets (ROA) | 1.4455% | 970 |
| Pretax return on assets | 1.4577% | 1,596 |
| Return on Equity (ROE) | 18.0387% | 404 |
| Retained earnings to average equity (ytd only) | 6.5214% | 1,670 |
| Net charge-offs to loans | 0.4007% | 1,682 |
| Credit loss provision to net charge-offs | 98.5560% | 2,520 |
| Earnings coverage of net charge-offs (x) | 6.1516% | 3,120 |
| Efficiency ratio | 59.9348% | 5,480 |
| Assets per employee ($millions) | 5.8215% | 1,389 |
| Cash dividends to net income (ytd only)* | 63.8478% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 3,396 |
| Loan loss allowance to noncurrent loans | 76.1261% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 2,435 |
| Noncurrent loans to loans | 1.9125% | 2,106 |
| Net loans and leases to total assets | 65.4967% | 2,772 |
| Net loans and leases to deposits | 74.8106% | 3,132 |
| Net loans and leases to core deposits | 76.5256% | 3,551 |
| Total domestic deposits to total assets | 87.5500% | 2,451 |
| Equity capital to assets | 7.8178% | 6,133 |
| Core capital (leverage) ratio | 8.2472% | 5,927 |
| Tier 1 risk-based capital ratio | 10.1562% | 6,471 |
| Total risk-based capital ratio | 11.3955% | 6,431 |
| Memoranda: | ||
| Average total assets | $98,169,800 | 4,792 |
| Average earning assets | $85,888,200 | 4,884 |
| Average equity | $7,866,400 | 5,376 |
| Average total loans | $69,136,600 | 4,302 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 1,025 |
| Cost of funding earning assets | 0.5971% | 2,832 |
| Net interest margin | 4.3572% | 972 |
| Noninterest income to average assets | 0.6728% | 2,763 |
| Noninterest expense to average assets | 2.6289% | 4,284 |
| Loan and lease loss provision to assets | 0.2487% | 1,436 |
| Net operating income to assets | 1.5804% | 778 |
| Return on assets (ROA) | 1.5804% | 824 |
| Pretax return on assets | 1.5956% | 1,343 |
| Return on Equity (ROE) | 19.5928% | 330 |
| Retained earnings to average equity (ytd only) | 4.0762% | 3,791 |
| Net charge-offs to loans | 0.2975% | 2,049 |
| Credit loss provision to net charge-offs | 116.8831% | 2,017 |
| Earnings coverage of net charge-offs (x) | 8.6688% | 2,592 |
| Efficiency ratio | 58.4002% | 5,638 |
| Assets per employee ($millions) | 5.8312% | 1,358 |
| Cash dividends to net income (ytd only)* | 79.1956% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 3,372 |
| Loan loss allowance to noncurrent loans | 122.1053% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 2,806 |
| Noncurrent loans to loans | 1.2447% | 3,323 |
| Net loans and leases to total assets | 68.2430% | 2,259 |
| Net loans and leases to deposits | 78.4657% | 2,591 |
| Net loans and leases to core deposits | 80.3788% | 3,082 |
| Total domestic deposits to total assets | 86.9718% | 2,706 |
| Equity capital to assets | 8.0641% | 6,110 |
| Core capital (leverage) ratio | 8.2638% | 6,005 |
| Tier 1 risk-based capital ratio | 9.8633% | 6,625 |
| Total risk-based capital ratio | 11.1134% | 6,595 |
| Memoranda: | ||
| Average total assets | $96,515,500 | 4,870 |
| Average earning assets | $84,181,250 | 4,969 |
| Average equity | $7,785,000 | 5,453 |
| Average total loans | $69,009,250 | 4,340 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 1,124 |
| Cost of funding earning assets | 0.6154% | 2,803 |
| Net interest margin | 4.2724% | 1,087 |
| Noninterest income to average assets | 0.7068% | 2,602 |
| Noninterest expense to average assets | 2.7247% | 3,948 |
| Loan and lease loss provision to assets | 0.2509% | 1,480 |
| Net operating income to assets | 1.4993% | 899 |
| Return on assets (ROA) | 1.4993% | 970 |
| Pretax return on assets | 1.5202% | 1,560 |
| Return on Equity (ROE) | 18.5864% | 422 |
| Retained earnings to average equity (ytd only) | -0.0778% | 5,872 |
| Net charge-offs to loans | 0.2257% | 2,380 |
| Credit loss provision to net charge-offs | 153.8462% | 1,503 |
| Earnings coverage of net charge-offs (x) | 10.8590% | 2,113 |
| Efficiency ratio | 60.2326% | 5,454 |
| Assets per employee ($millions) | 5.6298% | 1,478 |
| Cash dividends to net income (ytd only)* | 100.4184% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,498 |
| Loan loss allowance to noncurrent loans | 154.5190% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 3,674 |
| Noncurrent loans to loans | 0.9829% | 3,974 |
| Net loans and leases to total assets | 71.8161% | 1,608 |
| Net loans and leases to deposits | 82.3663% | 2,012 |
| Net loans and leases to core deposits | 84.4396% | 2,503 |
| Total domestic deposits to total assets | 87.1911% | 2,714 |
| Equity capital to assets | 7.6943% | 6,368 |
| Core capital (leverage) ratio | 7.7603% | 6,331 |
| Tier 1 risk-based capital ratio | 9.2421% | 6,743 |
| Total risk-based capital ratio | 10.4935% | 6,735 |
| Memoranda: | ||
| Average total assets | $95,643,670 | 4,919 |
| Average earning assets | $84,823,670 | 4,988 |
| Average equity | $7,715,330 | 5,508 |
| Average total loans | $69,114,330 | 4,342 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 1,267 |
| Cost of funding earning assets | 0.6184% | 2,937 |
| Net interest margin | 4.1918% | 1,214 |
| Noninterest income to average assets | 0.6568% | 2,839 |
| Noninterest expense to average assets | 2.7528% | 3,861 |
| Loan and lease loss provision to assets | 0.2510% | 1,431 |
| Net operating income to assets | 1.3304% | 1,206 |
| Return on assets (ROA) | 1.3304% | 1,305 |
| Pretax return on assets | 1.3680% | 1,979 |
| Return on Equity (ROE) | 16.1196% | 596 |
| Retained earnings to average equity (ytd only) | 8.5160% | 1,554 |
| Net charge-offs to loans | -0.0407% | 6,038 |
| Credit loss provision to net charge-offs | -857.1429% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5837% | 5,221 |
| Assets per employee ($millions) | 5.3276% | 1,831 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 3,559 |
| Loan loss allowance to noncurrent loans | 138.7468% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0960% | 3,740 |
| Noncurrent loans to loans | 1.1266% | 3,900 |
| Net loans and leases to total assets | 71.2514% | 1,484 |
| Net loans and leases to deposits | 82.2595% | 1,789 |
| Net loans and leases to core deposits | 86.0121% | 2,103 |
| Total domestic deposits to total assets | 86.6179% | 3,170 |
| Equity capital to assets | 8.2995% | 6,187 |
| Core capital (leverage) ratio | 7.8968% | 6,220 |
| Tier 1 risk-based capital ratio | 9.6945% | 6,733 |
| Total risk-based capital ratio | 10.9466% | 6,714 |
| Memoranda: | ||
| Average total assets | $95,612,000 | 4,956 |
| Average earning assets | $84,737,000 | 5,018 |
| Average equity | $7,891,000 | 5,517 |
| Average total loans | $68,775,000 | 4,384 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 1,178 |
| Cost of funding earning assets | 0.7134% | 3,377 |
| Net interest margin | 4.4527% | 1,039 |
| Noninterest income to average assets | 1.2608% | 986 |
| Noninterest expense to average assets | 2.9249% | 3,551 |
| Loan and lease loss provision to assets | 0.2334% | 2,801 |
| Net operating income to assets | 2.0598% | 322 |
| Return on assets (ROA) | 2.0946% | 337 |
| Pretax return on assets | 2.1252% | 472 |
| Return on Equity (ROE) | 25.2292% | 118 |
| Retained earnings to average equity (ytd only) | 11.3661% | 400 |
| Net charge-offs to loans | 0.0187% | 5,652 |
| Credit loss provision to net charge-offs | 1,716.6667% | 134 |
| Earnings coverage of net charge-offs (x) | 170.9167% | 245 |
| Efficiency ratio | 55.5580% | 6,116 |
| Assets per employee ($millions) | 5.2959% | 1,905 |
| Cash dividends to net income (ytd only)* | 54.9486% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 3,768 |
| Loan loss allowance to noncurrent loans | 176.7361% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 4,116 |
| Noncurrent loans to loans | 0.8454% | 4,498 |
| Net loans and leases to total assets | 70.4092% | 1,762 |
| Net loans and leases to deposits | 81.2156% | 2,123 |
| Net loans and leases to core deposits | 85.6448% | 2,356 |
| Total domestic deposits to total assets | 86.6942% | 2,996 |
| Equity capital to assets | 8.2065% | 6,279 |
| Core capital (leverage) ratio | 7.8893% | 6,289 |
| Tier 1 risk-based capital ratio | 9.6614% | 6,778 |
| Total risk-based capital ratio | 10.9119% | 6,762 |
| Memoranda: | ||
| Average total assets | $88,275,400 | 5,131 |
| Average earning assets | $79,053,000 | 5,158 |
| Average equity | $7,328,800 | 5,684 |
| Average total loans | $64,166,000 | 4,568 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 1,287 |
| Cost of funding earning assets | 0.7305% | 3,511 |
| Net interest margin | 4.4242% | 1,154 |
| Noninterest income to average assets | 1.6413% | 561 |
| Noninterest expense to average assets | 2.9236% | 3,506 |
| Loan and lease loss provision to assets | 0.2158% | 2,905 |
| Net operating income to assets | 2.4859% | 174 |
| Return on assets (ROA) | 2.4890% | 188 |
| Pretax return on assets | 2.4905% | 296 |
| Return on Equity (ROE) | 29.8849% | 79 |
| Retained earnings to average equity (ytd only) | 17.3758% | 141 |
| Net charge-offs to loans | -0.1308% | 6,918 |
| Credit loss provision to net charge-offs | -225.8065% | 6,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8488% | 6,461 |
| Assets per employee ($millions) | 5.2069% | 1,926 |
| Cash dividends to net income (ytd only)* | 41.8575% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 3,992 |
| Loan loss allowance to noncurrent loans | 259.7468% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 4,098 |
| Noncurrent loans to loans | 0.5738% | 5,287 |
| Net loans and leases to total assets | 72.3593% | 1,490 |
| Net loans and leases to deposits | 83.9997% | 1,873 |
| Net loans and leases to core deposits | 88.6869% | 2,138 |
| Total domestic deposits to total assets | 86.1423% | 3,174 |
| Equity capital to assets | 8.5528% | 6,219 |
| Core capital (leverage) ratio | 8.0283% | 6,303 |
| Tier 1 risk-based capital ratio | 10.0441% | 6,790 |
| Total risk-based capital ratio | 11.2962% | 6,765 |
| Memoranda: | ||
| Average total assets | $86,512,500 | 5,221 |
| Average earning assets | $77,933,250 | 5,243 |
| Average equity | $7,205,250 | 5,770 |
| Average total loans | $63,173,250 | 4,638 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 1,463 |
| Cost of funding earning assets | 0.7509% | 3,599 |
| Net interest margin | 4.3671% | 1,290 |
| Noninterest income to average assets | 2.0640% | 384 |
| Noninterest expense to average assets | 2.9557% | 3,422 |
| Loan and lease loss provision to assets | 0.1902% | 3,196 |
| Net operating income to assets | 2.8178% | 121 |
| Return on assets (ROA) | 2.8178% | 127 |
| Pretax return on assets | 2.8178% | 193 |
| Return on Equity (ROE) | 34.1745% | 56 |
| Retained earnings to average equity (ytd only) | 19.2934% | 117 |
| Net charge-offs to loans | -0.1925% | 6,991 |
| Credit loss provision to net charge-offs | -135.5932% | 6,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5614% | 6,674 |
| Assets per employee ($millions) | 4.1963% | 3,463 |
| Cash dividends to net income (ytd only)* | 43.5443% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 4,541 |
| Loan loss allowance to noncurrent loans | 249.4819% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 4,090 |
| Noncurrent loans to loans | 0.5529% | 5,411 |
| Net loans and leases to total assets | 74.5857% | 1,159 |
| Net loans and leases to deposits | 85.9744% | 1,604 |
| Net loans and leases to core deposits | 91.8374% | 1,796 |
| Total domestic deposits to total assets | 86.7534% | 2,923 |
| Equity capital to assets | 7.9345% | 6,609 |
| Core capital (leverage) ratio | 8.8373% | 5,153 |
| Tier 1 risk-based capital ratio | 9.1667% | 6,965 |
| Total risk-based capital ratio | 10.4292% | 6,963 |
| Memoranda: | ||
| Average total assets | $84,108,670 | 5,323 |
| Average earning assets | $75,107,330 | 5,354 |
| Average equity | $6,935,000 | 5,866 |
| Average total loans | $61,283,000 | 4,732 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3258% | 1,046 |
| Cost of funding earning assets | 0.8258% | 3,268 |
| Net interest margin | 4.4999% | 1,009 |
| Noninterest income to average assets | 0.8400% | 1,983 |
| Noninterest expense to average assets | 3.2798% | 2,353 |
| Loan and lease loss provision to assets | 0.1500% | 3,489 |
| Net operating income to assets | 1.4149% | 1,195 |
| Return on assets (ROA) | 1.4149% | 1,341 |
| Pretax return on assets | 1.4149% | 2,143 |
| Return on Equity (ROE) | 16.7953% | 702 |
| Retained earnings to average equity (ytd only) | 9.6736% | 1,361 |
| Net charge-offs to loans | -0.2806% | 7,049 |
| Credit loss provision to net charge-offs | -75.0000% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6987% | 4,233 |
| Assets per employee ($millions) | 5.2539% | 1,925 |
| Cash dividends to net income (ytd only)* | 42.4028% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 4,038 |
| Loan loss allowance to noncurrent loans | 538.5542% | 645 |
| Noncurrent assets plus other real estate owned to assets | 1.1014% | 4,289 |
| Noncurrent loans to loans | 0.2833% | 6,112 |
| Net loans and leases to total assets | 73.2134% | 1,180 |
| Net loans and leases to deposits | 86.0073% | 1,421 |
| Net loans and leases to core deposits | 92.6801% | 1,580 |
| Total domestic deposits to total assets | 85.1246% | 3,969 |
| Equity capital to assets | 8.6793% | 5,902 |
| Core capital (leverage) ratio | 8.3388% | 5,822 |
| Tier 1 risk-based capital ratio | 9.5240% | 6,964 |
| Total risk-based capital ratio | 10.7740% | 6,957 |
| Memoranda: | ||
| Average total assets | $80,004,000 | 5,474 |
| Average earning assets | $71,201,000 | 5,524 |
| Average equity | $6,740,000 | 5,953 |
| Average total loans | $57,015,000 | 4,943 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 750 |
| Cost of funding earning assets | 1.0952% | 2,703 |
| Net interest margin | 4.6241% | 875 |
| Noninterest income to average assets | 0.5702% | 3,364 |
| Noninterest expense to average assets | 2.8430% | 4,190 |
| Loan and lease loss provision to assets | 0.3330% | 3,031 |
| Net operating income to assets | 1.4397% | 945 |
| Return on assets (ROA) | 1.4397% | 1,027 |
| Pretax return on assets | 1.4410% | 1,652 |
| Return on Equity (ROE) | 16.9481% | 479 |
| Retained earnings to average equity (ytd only) | 6.6650% | 1,660 |
| Net charge-offs to loans | 0.3782% | 3,520 |
| Credit loss provision to net charge-offs | 119.3237% | 2,678 |
| Earnings coverage of net charge-offs (x) | 6.3575% | 2,534 |
| Efficiency ratio | 61.5766% | 5,525 |
| Assets per employee ($millions) | 5.8000% | 1,374 |
| Cash dividends to net income (ytd only)* | 60.6742% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 4,087 |
| Loan loss allowance to noncurrent loans | 89.0811% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.3227% | 4,015 |
| Noncurrent loans to loans | 1.6685% | 3,658 |
| Net loans and leases to total assets | 67.2586% | 2,525 |
| Net loans and leases to deposits | 78.3761% | 2,775 |
| Net loans and leases to core deposits | 88.0119% | 2,374 |
| Total domestic deposits to total assets | 85.8153% | 3,420 |
| Equity capital to assets | 8.1773% | 6,454 |
| Core capital (leverage) ratio | 8.1410% | 6,087 |
| Tier 1 risk-based capital ratio | 10.2180% | 6,792 |
| Total risk-based capital ratio | 11.4685% | 6,775 |
| Memoranda: | ||
| Average total assets | $74,183,000 | 5,639 |
| Average earning assets | $64,921,200 | 5,703 |
| Average equity | $6,301,600 | 6,073 |
| Average total loans | $54,727,800 | 5,083 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8740% | 592 |
| Cost of funding earning assets | 1.1677% | 2,516 |
| Net interest margin | 4.7064% | 753 |
| Noninterest income to average assets | 0.4933% | 3,922 |
| Noninterest expense to average assets | 2.9159% | 3,860 |
| Loan and lease loss provision to assets | 0.1657% | 4,405 |
| Net operating income to assets | 1.5353% | 875 |
| Return on assets (ROA) | 1.5353% | 943 |
| Pretax return on assets | 1.5371% | 1,551 |
| Return on Equity (ROE) | 17.8860% | 467 |
| Retained earnings to average equity (ytd only) | 4.3749% | 3,615 |
| Net charge-offs to loans | -0.0807% | 7,131 |
| Credit loss provision to net charge-offs | -272.7273% | 6,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1327% | 5,215 |
| Assets per employee ($millions) | 5.1474% | 1,996 |
| Cash dividends to net income (ytd only)* | 75.5398% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 3,311 |
| Loan loss allowance to noncurrent loans | 67.5857% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9129% | 3,248 |
| Noncurrent loans to loans | 2.4990% | 2,773 |
| Net loans and leases to total assets | 68.3763% | 2,405 |
| Net loans and leases to deposits | 80.1159% | 2,635 |
| Net loans and leases to core deposits | 90.5868% | 2,178 |
| Total domestic deposits to total assets | 85.3466% | 3,585 |
| Equity capital to assets | 8.2786% | 6,504 |
| Core capital (leverage) ratio | 8.2454% | 6,066 |
| Tier 1 risk-based capital ratio | 10.4955% | 6,778 |
| Total risk-based capital ratio | 11.7490% | 6,766 |
| Memoranda: | ||
| Average total assets | $72,428,750 | 5,724 |
| Average earning assets | $63,487,000 | 5,789 |
| Average equity | $6,217,000 | 6,141 |
| Average total loans | $54,550,250 | 5,136 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0158% | 469 |
| Cost of funding earning assets | 1.2044% | 2,548 |
| Net interest margin | 4.8114% | 590 |
| Noninterest income to average assets | 0.3840% | 4,807 |
| Noninterest expense to average assets | 2.9308% | 3,899 |
| Loan and lease loss provision to assets | 0.1694% | 4,237 |
| Net operating income to assets | 1.5586% | 792 |
| Return on assets (ROA) | 1.5586% | 843 |
| Pretax return on assets | 1.5586% | 1,358 |
| Return on Equity (ROE) | 17.9259% | 467 |
| Retained earnings to average equity (ytd only) | 2.5330% | 4,678 |
| Net charge-offs to loans | -0.0729% | 7,101 |
| Credit loss provision to net charge-offs | -300.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9091% | 5,419 |
| Assets per employee ($millions) | 4.8841% | 2,275 |
| Cash dividends to net income (ytd only)* | 85.8696% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 3,747 |
| Loan loss allowance to noncurrent loans | 2,335.1351% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 6,303 |
| Noncurrent loans to loans | 0.0679% | 6,811 |
| Net loans and leases to total assets | 73.1744% | 1,560 |
| Net loans and leases to deposits | 86.2935% | 1,749 |
| Net loans and leases to core deposits | 94.5919% | 1,837 |
| Total domestic deposits to total assets | 84.7970% | 3,971 |
| Equity capital to assets | 8.5160% | 6,160 |
| Core capital (leverage) ratio | 8.6011% | 5,408 |
| Tier 1 risk-based capital ratio | 10.6902% | 6,719 |
| Total risk-based capital ratio | 11.9426% | 6,700 |
| Memoranda: | ||
| Average total assets | $70,834,670 | 5,802 |
| Average earning assets | $62,934,330 | 5,858 |
| Average equity | $6,158,670 | 6,186 |
| Average total loans | $54,833,330 | 5,179 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 559 |
| Cost of funding earning assets | 1.2343% | 2,601 |
| Net interest margin | 4.6942% | 715 |
| Noninterest income to average assets | 0.5803% | 3,312 |
| Noninterest expense to average assets | 3.0680% | 3,392 |
| Loan and lease loss provision to assets | 0.1724% | 3,909 |
| Net operating income to assets | 1.5570% | 767 |
| Return on assets (ROA) | 1.5570% | 802 |
| Pretax return on assets | 1.5570% | 1,286 |
| Return on Equity (ROE) | 17.7168% | 507 |
| Retained earnings to average equity (ytd only) | 1.6344% | 5,135 |
| Net charge-offs to loans | -0.0945% | 7,072 |
| Credit loss provision to net charge-offs | -230.7692% | 5,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9521% | 5,370 |
| Assets per employee ($millions) | 4.4816% | 2,920 |
| Cash dividends to net income (ytd only)* | 90.7749% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 4,191 |
| Loan loss allowance to noncurrent loans | 153.1481% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4239% | 4,143 |
| Noncurrent loans to loans | 0.9816% | 5,081 |
| Net loans and leases to total assets | 75.5693% | 1,100 |
| Net loans and leases to deposits | 91.0201% | 1,120 |
| Net loans and leases to core deposits | 100.7381% | 1,279 |
| Total domestic deposits to total assets | 83.0249% | 4,917 |
| Equity capital to assets | 8.5601% | 5,826 |
| Core capital (leverage) ratio | 8.6768% | 5,129 |
| Tier 1 risk-based capital ratio | 10.9349% | 6,552 |
| Total risk-based capital ratio | 12.1877% | 6,529 |
| Memoranda: | ||
| Average total assets | $69,621,000 | 5,872 |
| Average earning assets | $62,545,500 | 5,914 |
| Average equity | $6,118,500 | 6,206 |
| Average total loans | $55,013,500 | 5,213 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1483% | 636 |
| Cost of funding earning assets | 1.4136% | 3,179 |
| Net interest margin | 4.7347% | 756 |
| Noninterest income to average assets | 0.6814% | 2,958 |
| Noninterest expense to average assets | 2.8999% | 4,223 |
| Loan and lease loss provision to assets | 0.1774% | 5,449 |
| Net operating income to assets | 1.8934% | 346 |
| Return on assets (ROA) | 1.7899% | 462 |
| Pretax return on assets | 1.7929% | 771 |
| Return on Equity (ROE) | 20.3161% | 236 |
| Retained earnings to average equity (ytd only) | 4.6638% | 2,631 |
| Net charge-offs to loans | 0.0613% | 6,173 |
| Credit loss provision to net charge-offs | 363.6364% | 701 |
| Earnings coverage of net charge-offs (x) | 42.5152% | 546 |
| Efficiency ratio | 58.3061% | 6,308 |
| Assets per employee ($millions) | 4.8241% | 2,396 |
| Cash dividends to net income (ytd only)* | 77.0438% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 4,399 |
| Loan loss allowance to noncurrent loans | 461.1765% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 5,570 |
| Noncurrent loans to loans | 0.3090% | 6,436 |
| Net loans and leases to total assets | 80.2952% | 628 |
| Net loans and leases to deposits | 98.6287% | 667 |
| Net loans and leases to core deposits | 108.1573% | 1,037 |
| Total domestic deposits to total assets | 81.4117% | 5,382 |
| Equity capital to assets | 9.0306% | 5,095 |
| Core capital (leverage) ratio | 8.7461% | 4,950 |
| Tier 1 risk-based capital ratio | 11.2809% | 6,107 |
| Total risk-based capital ratio | 12.5341% | 6,086 |
| Memoranda: | ||
| Average total assets | $67,656,800 | 5,944 |
| Average earning assets | $61,334,000 | 5,946 |
| Average equity | $5,960,800 | 6,376 |
| Average total loans | $53,858,800 | 5,321 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1471% | 688 |
| Cost of funding earning assets | 1.4502% | 3,271 |
| Net interest margin | 4.6969% | 849 |
| Noninterest income to average assets | 0.6914% | 2,867 |
| Noninterest expense to average assets | 2.8917% | 4,129 |
| Loan and lease loss provision to assets | 0.1773% | 5,265 |
| Net operating income to assets | 1.8674% | 438 |
| Return on assets (ROA) | 1.7295% | 638 |
| Pretax return on assets | 1.7334% | 1,044 |
| Return on Equity (ROE) | 19.7535% | 320 |
| Retained earnings to average equity (ytd only) | 2.4748% | 4,690 |
| Net charge-offs to loans | -0.0821% | 7,527 |
| Credit loss provision to net charge-offs | -272.7273% | 6,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5327% | 6,182 |
| Assets per employee ($millions) | 4.7789% | 2,479 |
| Cash dividends to net income (ytd only)* | 87.4710% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,961 |
| Loan loss allowance to noncurrent loans | 429.3194% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 5,705 |
| Noncurrent loans to loans | 0.3495% | 6,498 |
| Net loans and leases to total assets | 80.4633% | 671 |
| Net loans and leases to deposits | 98.3251% | 775 |
| Net loans and leases to core deposits | 107.8384% | 1,176 |
| Total domestic deposits to total assets | 81.8339% | 5,061 |
| Equity capital to assets | 9.0128% | 5,562 |
| Core capital (leverage) ratio | 8.6732% | 5,234 |
| Tier 1 risk-based capital ratio | 10.8976% | 6,462 |
| Total risk-based capital ratio | 12.1500% | 6,445 |
| Memoranda: | ||
| Average total assets | $67,686,750 | 6,010 |
| Average earning assets | $61,230,750 | 6,018 |
| Average equity | $5,926,250 | 6,471 |
| Average total loans | $53,570,250 | 5,410 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0839% | 782 |
| Cost of funding earning assets | 1.4704% | 3,423 |
| Net interest margin | 4.6135% | 966 |
| Noninterest income to average assets | 0.6770% | 2,836 |
| Noninterest expense to average assets | 2.9258% | 3,977 |
| Loan and lease loss provision to assets | 0.1766% | 5,103 |
| Net operating income to assets | 1.7337% | 547 |
| Return on assets (ROA) | 1.5277% | 917 |
| Pretax return on assets | 1.5335% | 1,469 |
| Return on Equity (ROE) | 17.6181% | 506 |
| Retained earnings to average equity (ytd only) | -0.7129% | 5,906 |
| Net charge-offs to loans | -0.0902% | 7,539 |
| Credit loss provision to net charge-offs | -250.0000% | 6,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4255% | 5,974 |
| Assets per employee ($millions) | 4.8626% | 2,351 |
| Cash dividends to net income (ytd only)* | 104.0462% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 4,055 |
| Loan loss allowance to noncurrent loans | 277.9359% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 5,487 |
| Noncurrent loans to loans | 0.5295% | 6,197 |
| Net loans and leases to total assets | 76.8071% | 1,330 |
| Net loans and leases to deposits | 93.0822% | 1,385 |
| Net loans and leases to core deposits | 99.8091% | 2,041 |
| Total domestic deposits to total assets | 82.5154% | 4,778 |
| Equity capital to assets | 8.5917% | 6,030 |
| Core capital (leverage) ratio | 8.2467% | 5,860 |
| Tier 1 risk-based capital ratio | 10.9517% | 6,293 |
| Total risk-based capital ratio | 12.2047% | 6,277 |
| Memoranda: | ||
| Average total assets | $67,947,330 | 6,042 |
| Average earning assets | $61,342,000 | 6,050 |
| Average equity | $5,891,670 | 6,499 |
| Average total loans | $53,209,000 | 5,459 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9623% | 1,050 |
| Cost of funding earning assets | 1.4825% | 3,679 |
| Net interest margin | 4.4798% | 1,188 |
| Noninterest income to average assets | 0.5480% | 3,661 |
| Noninterest expense to average assets | 3.1054% | 3,243 |
| Loan and lease loss provision to assets | 0.1768% | 4,752 |
| Net operating income to assets | 1.2097% | 1,518 |
| Return on assets (ROA) | 0.8426% | 2,874 |
| Pretax return on assets | 0.9487% | 3,269 |
| Return on Equity (ROE) | 9.6736% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.6736% | 1,215 |
| Net charge-offs to loans | -0.0826% | 7,481 |
| Credit loss provision to net charge-offs | -272.7273% | 6,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8782% | 4,941 |
| Assets per employee ($millions) | 4.8984% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 4,471 |
| Loan loss allowance to noncurrent loans | 276.4045% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 1.0164% | 5,125 |
| Noncurrent loans to loans | 0.5025% | 6,290 |
| Net loans and leases to total assets | 76.4006% | 1,456 |
| Net loans and leases to deposits | 95.1926% | 1,202 |
| Net loans and leases to core deposits | 105.1983% | 1,642 |
| Total domestic deposits to total assets | 80.2590% | 5,702 |
| Equity capital to assets | 8.7754% | 5,598 |
| Core capital (leverage) ratio | 8.6402% | 5,136 |
| Tier 1 risk-based capital ratio | 10.9625% | 6,200 |
| Total risk-based capital ratio | 12.2135% | 6,168 |
| Memoranda: | ||
| Average total assets | $67,882,500 | 6,111 |
| Average earning assets | $62,057,000 | 6,079 |
| Average equity | $5,913,000 | 6,552 |
| Average total loans | $53,279,000 | 5,526 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2808% | 1,065 |
| Cost of funding earning assets | 1.7455% | 4,272 |
| Net interest margin | 4.5353% | 1,107 |
| Noninterest income to average assets | 0.6392% | 3,359 |
| Noninterest expense to average assets | 3.0849% | 3,814 |
| Loan and lease loss provision to assets | 0.3196% | 4,903 |
| Net operating income to assets | 1.3786% | 886 |
| Return on assets (ROA) | 1.4147% | 877 |
| Pretax return on assets | 1.4774% | 1,241 |
| Return on Equity (ROE) | 16.1210% | 543 |
| Retained earnings to average equity (ytd only) | 4.3382% | 2,200 |
| Net charge-offs to loans | 0.2967% | 4,779 |
| Credit loss provision to net charge-offs | 134.2105% | 3,710 |
| Earnings coverage of net charge-offs (x) | 7.3882% | 2,159 |
| Efficiency ratio | 63.6805% | 5,835 |
| Assets per employee ($millions) | 5.1682% | 1,983 |
| Cash dividends to net income (ytd only)* | 73.0897% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,729 |
| Loan loss allowance to noncurrent loans | 123.3628% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0642% | 4,964 |
| Noncurrent loans to loans | 1.0575% | 5,206 |
| Net loans and leases to total assets | 78.4810% | 1,288 |
| Net loans and leases to deposits | 98.0293% | 1,099 |
| Net loans and leases to core deposits | 121.6439% | 1,819 |
| Total domestic deposits to total assets | 80.0586% | 5,657 |
| Equity capital to assets | 8.6445% | 5,670 |
| Core capital (leverage) ratio | 8.6676% | 4,979 |
| Tier 1 risk-based capital ratio | 10.6095% | 6,295 |
| Total risk-based capital ratio | 11.8593% | 6,269 |
| Memoranda: | ||
| Average total assets | $63,827,800 | 6,209 |
| Average earning assets | $59,180,600 | 6,155 |
| Average equity | $5,601,400 | 6,741 |
| Average total loans | $51,238,200 | 5,613 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3091% | 1,116 |
| Cost of funding earning assets | 1.8068% | 4,355 |
| Net interest margin | 4.5023% | 1,187 |
| Noninterest income to average assets | 0.6710% | 3,211 |
| Noninterest expense to average assets | 3.1434% | 3,486 |
| Loan and lease loss provision to assets | 0.1228% | 6,130 |
| Net operating income to assets | 1.5462% | 735 |
| Return on assets (ROA) | 1.5770% | 748 |
| Pretax return on assets | 1.6299% | 1,115 |
| Return on Equity (ROE) | 17.8983% | 466 |
| Retained earnings to average equity (ytd only) | 6.6547% | 1,649 |
| Net charge-offs to loans | 0.0342% | 6,418 |
| Credit loss provision to net charge-offs | 446.1538% | 885 |
| Earnings coverage of net charge-offs (x) | 62.5488% | 525 |
| Efficiency ratio | 64.6214% | 5,633 |
| Assets per employee ($millions) | 4.5544% | 2,776 |
| Cash dividends to net income (ytd only)* | 62.8183% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 4,316 |
| Loan loss allowance to noncurrent loans | 194.9153% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 6,072 |
| Noncurrent loans to loans | 0.6823% | 5,936 |
| Net loans and leases to total assets | 80.2873% | 1,122 |
| Net loans and leases to deposits | 101.7087% | 950 |
| Net loans and leases to core deposits | 129.1586% | 1,491 |
| Total domestic deposits to total assets | 78.9385% | 5,826 |
| Equity capital to assets | 9.1984% | 5,167 |
| Core capital (leverage) ratio | 9.0209% | 4,617 |
| Tier 1 risk-based capital ratio | 11.2100% | 5,737 |
| Total risk-based capital ratio | 12.4611% | 5,692 |
| Memoranda: | ||
| Average total assets | $62,988,000 | 6,281 |
| Average earning assets | $58,664,750 | 6,229 |
| Average equity | $5,549,750 | 6,829 |
| Average total loans | $50,691,250 | 5,681 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2635% | 1,305 |
| Cost of funding earning assets | 1.8465% | 4,528 |
| Net interest margin | 4.4171% | 1,374 |
| Noninterest income to average assets | 0.6695% | 3,195 |
| Noninterest expense to average assets | 3.2042% | 3,328 |
| Loan and lease loss provision to assets | 0.1052% | 6,106 |
| Net operating income to assets | 1.3837% | 1,060 |
| Return on assets (ROA) | 1.3837% | 1,127 |
| Pretax return on assets | 1.4634% | 1,553 |
| Return on Equity (ROE) | 15.9422% | 706 |
| Retained earnings to average equity (ytd only) | 8.0078% | 1,203 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1343% | 5,335 |
| Assets per employee ($millions) | 5.1029% | 1,964 |
| Cash dividends to net income (ytd only)* | 49.7696% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 4,189 |
| Loan loss allowance to noncurrent loans | 408.4337% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 6,855 |
| Noncurrent loans to loans | 0.3219% | 6,705 |
| Net loans and leases to total assets | 76.7237% | 2,010 |
| Net loans and leases to deposits | 95.8928% | 1,815 |
| Net loans and leases to core deposits | 124.6742% | 1,966 |
| Total domestic deposits to total assets | 80.0099% | 5,475 |
| Equity capital to assets | 8.5999% | 5,893 |
| Core capital (leverage) ratio | 9.0575% | 4,539 |
| Tier 1 risk-based capital ratio | 11.0010% | 5,874 |
| Total risk-based capital ratio | 12.2509% | 5,804 |
| Memoranda: | ||
| Average total assets | $62,730,330 | 6,344 |
| Average earning assets | $58,273,670 | 6,303 |
| Average equity | $5,444,670 | 6,917 |
| Average total loans | $50,294,330 | 5,755 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4462% | 963 |
| Cost of funding earning assets | 1.9296% | 4,491 |
| Net interest margin | 4.5166% | 1,095 |
| Noninterest income to average assets | 0.6697% | 3,073 |
| Noninterest expense to average assets | 3.4796% | 2,157 |
| Loan and lease loss provision to assets | 0.0985% | 5,699 |
| Net operating income to assets | 1.0767% | 2,042 |
| Return on assets (ROA) | 1.0767% | 2,175 |
| Pretax return on assets | 1.2868% | 2,325 |
| Return on Equity (ROE) | 12.3436% | 1,558 |
| Retained earnings to average equity (ytd only) | 10.0856% | 1,166 |
| Net charge-offs to loans | -0.0403% | 7,639 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5250% | 4,266 |
| Assets per employee ($millions) | 4.4643% | 2,781 |
| Cash dividends to net income (ytd only)* | 18.2927% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,001 |
| Loan loss allowance to noncurrent loans | 715.0538% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 6,866 |
| Noncurrent loans to loans | 0.1838% | 7,003 |
| Net loans and leases to total assets | 79.9088% | 1,403 |
| Net loans and leases to deposits | 101.0460% | 1,273 |
| Net loans and leases to core deposits | 126.9748% | 1,848 |
| Total domestic deposits to total assets | 79.0816% | 5,691 |
| Equity capital to assets | 8.8544% | 5,548 |
| Core capital (leverage) ratio | 9.2534% | 4,314 |
| Tier 1 risk-based capital ratio | 11.1891% | 5,712 |
| Total risk-based capital ratio | 12.4400% | 5,624 |
| Memoranda: | ||
| Average total assets | $60,926,500 | 6,441 |
| Average earning assets | $56,591,500 | 6,395 |
| Average equity | $5,314,500 | 7,000 |
| Average total loans | $49,654,000 | 5,812 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0822% | 944 |
| Cost of funding earning assets | 2.3003% | 5,151 |
| Net interest margin | 4.7819% | 806 |
| Noninterest income to average assets | 0.6977% | 3,136 |
| Noninterest expense to average assets | 3.3494% | 2,821 |
| Loan and lease loss provision to assets | 0.7224% | 2,044 |
| Net operating income to assets | 0.7498% | 3,672 |
| Return on assets (ROA) | 0.7717% | 3,404 |
| Pretax return on assets | 1.1224% | 2,945 |
| Return on Equity (ROE) | 8.6582% | 2,777 |
| Retained earnings to average equity (ytd only) | 3.0837% | 3,241 |
| Net charge-offs to loans | 0.6901% | 1,778 |
| Credit loss provision to net charge-offs | 129.3375% | 4,122 |
| Earnings coverage of net charge-offs (x) | 3.2461% | 4,466 |
| Efficiency ratio | 64.8805% | 5,353 |
| Assets per employee ($millions) | 4.5656% | 2,520 |
| Cash dividends to net income (ytd only)* | 64.3836% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,625 |
| Loan loss allowance to noncurrent loans | 204.1139% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 3,560 |
| Noncurrent loans to loans | 0.6489% | 5,420 |
| Net loans and leases to total assets | 80.9647% | 1,446 |
| Net loans and leases to deposits | 102.8244% | 1,490 |
| Net loans and leases to core deposits | 128.1057% | 1,993 |
| Total domestic deposits to total assets | 78.7408% | 5,467 |
| Equity capital to assets | 8.5842% | 5,961 |
| Core capital (leverage) ratio | 8.3456% | 5,862 |
| Tier 1 risk-based capital ratio | 10.4592% | 6,249 |
| Total risk-based capital ratio | 11.7091% | 6,128 |
| Memoranda: | ||
| Average total assets | $56,755,600 | 6,504 |
| Average earning assets | $52,992,000 | 6,465 |
| Average equity | $5,058,800 | 7,127 |
| Average total loans | $45,938,400 | 5,877 |