Home > Bank of New Madrid > Performance and Condition Ratios
Bank of New Madrid, 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 | 4.5168% | 3,073 |
| Cost of funding earning assets | 0.9805% | 3,337 |
| Net interest margin | 3.5363% | 2,103 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.4800% | 2,351 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3572% | 1,305 |
| Return on assets (ROA) | 1.3572% | 1,274 |
| Pretax return on assets | 1.3572% | 1,725 |
| Return on Equity (ROE) | 12.3300% | 1,883 |
| Retained earnings to average equity (ytd only) | 7.2776% | 1,800 |
| Net charge-offs to loans | 0.0050% | 2,535 |
| Credit loss provision to net charge-offs | 733.3333% | 514 |
| Earnings coverage of net charge-offs (x) | 536.3333% | 273 |
| Efficiency ratio | 64.3158% | 2,568 |
| Assets per employee ($millions) | 4.1246% | 4,113 |
| Cash dividends to net income (ytd only)* | 40.9578% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,311 |
| Loan loss allowance to noncurrent loans | 433.4951% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 2,345 |
| Noncurrent loans to loans | 0.3277% | 2,011 |
| Net loans and leases to total assets | 53.6600% | 3,374 |
| Net loans and leases to deposits | 61.0608% | 3,465 |
| Net loans and leases to core deposits | 69.9944% | 3,305 |
| Total domestic deposits to total assets | 87.8800% | 1,395 |
| Equity capital to assets | 11.9856% | 1,126 |
| Core capital (leverage) ratio | 13.6125% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4142% | 744 |
| Memoranda: | ||
| Average total assets | $116,934,600 | 3,685 |
| Average earning assets | $110,653,000 | 3,642 |
| Average equity | $12,875,200 | 3,439 |
| Average total loans | $59,967,800 | 3,711 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,811 |
| Cost of funding earning assets | 0.9525% | 3,150 |
| Net interest margin | 3.5925% | 2,026 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.4757% | 2,304 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.4141% | 1,289 |
| Return on assets (ROA) | 1.4141% | 1,272 |
| Pretax return on assets | 1.4141% | 1,749 |
| Return on Equity (ROE) | 13.1300% | 1,873 |
| Retained earnings to average equity (ytd only) | 6.2689% | 2,548 |
| Net charge-offs to loans | 0.0023% | 2,473 |
| Credit loss provision to net charge-offs | 1,800.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 1,262.0000% | 127 |
| Efficiency ratio | 63.3140% | 2,584 |
| Assets per employee ($millions) | 3.7811% | 4,249 |
| Cash dividends to net income (ytd only)* | 52.2508% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,373 |
| Loan loss allowance to noncurrent loans | 1,036.0465% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,049 |
| Noncurrent loans to loans | 0.1370% | 2,871 |
| Net loans and leases to total assets | 58.4700% | 2,988 |
| Net loans and leases to deposits | 66.4698% | 3,090 |
| Net loans and leases to core deposits | 78.7657% | 2,692 |
| Total domestic deposits to total assets | 87.9600% | 1,588 |
| Equity capital to assets | 11.7134% | 1,122 |
| Core capital (leverage) ratio | 12.9850% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,296,000 | 3,687 |
| Average earning assets | $111,004,750 | 3,650 |
| Average equity | $12,633,500 | 3,458 |
| Average total loans | $59,243,250 | 3,726 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 2,757 |
| Cost of funding earning assets | 0.8542% | 3,062 |
| Net interest margin | 3.6000% | 2,039 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.3583% | 2,624 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.5111% | 1,077 |
| Return on assets (ROA) | 1.5111% | 1,078 |
| Pretax return on assets | 1.5111% | 1,575 |
| Return on Equity (ROE) | 14.4000% | 1,597 |
| Retained earnings to average equity (ytd only) | 7.3165% | 2,189 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4317% | 2,906 |
| Assets per employee ($millions) | 4.0848% | 4,150 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 1,175 |
| Loan loss allowance to noncurrent loans | 14,900.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,818 |
| Noncurrent loans to loans | 0.0101% | 3,713 |
| Net loans and leases to total assets | 51.2900% | 3,464 |
| Net loans and leases to deposits | 57.9142% | 3,540 |
| Net loans and leases to core deposits | 70.1946% | 3,118 |
| Total domestic deposits to total assets | 88.5600% | 1,393 |
| Equity capital to assets | 11.2096% | 1,301 |
| Core capital (leverage) ratio | 12.0418% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0469% | 633 |
| Memoranda: | ||
| Average total assets | $121,104,667 | 3,666 |
| Average earning assets | $114,723,333 | 3,626 |
| Average equity | $12,711,000 | 3,465 |
| Average total loans | $58,061,333 | 3,747 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,598 |
| Cost of funding earning assets | 0.6643% | 3,175 |
| Net interest margin | 3.7202% | 1,850 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.3138% | 2,781 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.6518% | 902 |
| Return on assets (ROA) | 1.6518% | 904 |
| Pretax return on assets | 1.6518% | 1,368 |
| Return on Equity (ROE) | 16.2500% | 1,307 |
| Retained earnings to average equity (ytd only) | 11.5044% | 1,359 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.9244% | 3,202 |
| Assets per employee ($millions) | 4.4961% | 4,024 |
| Cash dividends to net income (ytd only)* | 29.1829% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 1,114 |
| Loan loss allowance to noncurrent loans | 32.8137% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.1400% | 106 |
| Noncurrent loans to loans | 4.7308% | 65 |
| Net loans and leases to total assets | 44.5300% | 3,842 |
| Net loans and leases to deposits | 49.7710% | 3,898 |
| Net loans and leases to core deposits | 59.7364% | 3,552 |
| Total domestic deposits to total assets | 89.4700% | 1,352 |
| Equity capital to assets | 10.3765% | 1,624 |
| Core capital (leverage) ratio | 10.9438% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0146% | 657 |
| Memoranda: | ||
| Average total assets | $124,469,500 | 3,677 |
| Average earning assets | $117,414,500 | 3,638 |
| Average equity | $12,656,000 | 3,507 |
| Average total loans | $57,313,500 | 3,804 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3655% | 3,431 |
| Cost of funding earning assets | 0.1595% | 4,061 |
| Net interest margin | 3.2061% | 2,855 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.2691% | 2,835 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2699% | 1,529 |
| Return on assets (ROA) | 1.2699% | 1,481 |
| Pretax return on assets | 1.2699% | 2,201 |
| Return on Equity (ROE) | 12.7900% | 1,882 |
| Retained earnings to average equity (ytd only) | 7.0834% | 2,207 |
| Net charge-offs to loans | 0.0256% | 1,547 |
| Credit loss provision to net charge-offs | 92.8571% | 1,616 |
| Earnings coverage of net charge-offs (x) | 111.8571% | 921 |
| Efficiency ratio | 63.9254% | 2,506 |
| Assets per employee ($millions) | 4.3946% | 4,090 |
| Cash dividends to net income (ytd only)* | 44.6233% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,161 |
| Loan loss allowance to noncurrent loans | 1,481.3559% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,328 |
| Noncurrent loans to loans | 0.1023% | 3,036 |
| Net loans and leases to total assets | 46.1700% | 3,792 |
| Net loans and leases to deposits | 51.3055% | 3,842 |
| Net loans and leases to core deposits | 55.9482% | 3,719 |
| Total domestic deposits to total assets | 89.9800% | 1,374 |
| Equity capital to assets | 9.9546% | 1,728 |
| Core capital (leverage) ratio | 11.9069% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3266% | 790 |
| Memoranda: | ||
| Average total assets | $122,297,800 | 3,703 |
| Average earning assets | $115,999,000 | 3,669 |
| Average equity | $12,141,000 | 3,656 |
| Average total loans | $54,774,000 | 3,828 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2142% | 3,401 |
| Cost of funding earning assets | 0.1457% | 3,889 |
| Net interest margin | 3.0685% | 3,027 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.2624% | 2,743 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1563% | 1,875 |
| Return on assets (ROA) | 1.1563% | 1,847 |
| Pretax return on assets | 1.1563% | 2,537 |
| Return on Equity (ROE) | 11.6600% | 2,151 |
| Retained earnings to average equity (ytd only) | 4.4465% | 3,311 |
| Net charge-offs to loans | 0.0222% | 1,392 |
| Credit loss provision to net charge-offs | 111.1111% | 1,263 |
| Earnings coverage of net charge-offs (x) | 118.7778% | 854 |
| Efficiency ratio | 65.9663% | 2,285 |
| Assets per employee ($millions) | 4.0663% | 4,295 |
| Cash dividends to net income (ytd only)* | 61.8508% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 1,264 |
| Loan loss allowance to noncurrent loans | 1,368.7500% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,329 |
| Noncurrent loans to loans | 0.1104% | 3,103 |
| Net loans and leases to total assets | 50.1600% | 3,442 |
| Net loans and leases to deposits | 55.7302% | 3,504 |
| Net loans and leases to core deposits | 64.1291% | 3,103 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 9.7693% | 1,743 |
| Core capital (leverage) ratio | 11.4011% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $122,110,000 | 3,733 |
| Average earning assets | $116,190,250 | 3,697 |
| Average equity | $12,114,000 | 3,700 |
| Average total loans | $54,047,250 | 3,856 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0029% | 3,553 |
| Cost of funding earning assets | 0.1329% | 3,806 |
| Net interest margin | 2.8700% | 3,245 |
| Noninterest income to average assets | 0.4901% | 2,257 |
| Noninterest expense to average assets | 2.1784% | 2,925 |
| Loan and lease loss provision to assets | 0.0144% | 2,334 |
| Net operating income to assets | 1.0299% | 2,046 |
| Return on assets (ROA) | 1.0299% | 2,020 |
| Pretax return on assets | 1.0299% | 2,634 |
| Return on Equity (ROE) | 10.3340% | 2,214 |
| Retained earnings to average equity (ytd only) | 2.2179% | 3,688 |
| Net charge-offs to loans | 0.0038% | 1,894 |
| Credit loss provision to net charge-offs | 900.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 652.0000% | 210 |
| Efficiency ratio | 67.5944% | 2,297 |
| Assets per employee ($millions) | 4.0336% | 4,354 |
| Cash dividends to net income (ytd only)* | 78.5381% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 1,180 |
| Loan loss allowance to noncurrent loans | 528.1437% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 2,723 |
| Noncurrent loans to loans | 0.3003% | 2,264 |
| Net loans and leases to total assets | 46.7894% | 3,654 |
| Net loans and leases to deposits | 52.1466% | 3,673 |
| Net loans and leases to core deposits | 60.9090% | 3,198 |
| Total domestic deposits to total assets | 89.7267% | 1,835 |
| Equity capital to assets | 10.1126% | 1,647 |
| Core capital (leverage) ratio | 10.7355% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,861,000 | 3,757 |
| Average earning assets | $118,884,333 | 3,711 |
| Average equity | $12,444,333 | 3,741 |
| Average total loans | $52,733,000 | 3,917 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8002% | 3,742 |
| Cost of funding earning assets | 0.1271% | 3,809 |
| Net interest margin | 2.6731% | 3,465 |
| Noninterest income to average assets | 0.4969% | 2,151 |
| Noninterest expense to average assets | 2.1490% | 2,987 |
| Loan and lease loss provision to assets | 0.0279% | 1,865 |
| Net operating income to assets | 0.8664% | 2,432 |
| Return on assets (ROA) | 0.8664% | 2,422 |
| Pretax return on assets | 0.8664% | 2,896 |
| Return on Equity (ROE) | 8.7516% | 2,414 |
| Retained earnings to average equity (ytd only) | 2.4780% | 3,413 |
| Net charge-offs to loans | 0.0078% | 1,465 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 331 |
| Efficiency ratio | 70.6122% | 2,141 |
| Assets per employee ($millions) | 4.3744% | 4,213 |
| Cash dividends to net income (ytd only)* | 71.6846% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 1,036 |
| Loan loss allowance to noncurrent loans | 9,811.1111% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,017 |
| Noncurrent loans to loans | 0.0174% | 3,877 |
| Net loans and leases to total assets | 39.9986% | 4,012 |
| Net loans and leases to deposits | 44.3463% | 4,047 |
| Net loans and leases to core deposits | 53.8366% | 3,602 |
| Total domestic deposits to total assets | 90.1960% | 1,445 |
| Equity capital to assets | 9.6897% | 2,145 |
| Core capital (leverage) ratio | 9.7121% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,805,000 | 3,726 |
| Average earning assets | $122,703,500 | 3,687 |
| Average equity | $12,752,000 | 3,786 |
| Average total loans | $51,293,000 | 3,952 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 3,352 |
| Cost of funding earning assets | 0.1750% | 3,712 |
| Net interest margin | 3.0717% | 2,993 |
| Noninterest income to average assets | 0.5042% | 2,546 |
| Noninterest expense to average assets | 2.2529% | 2,936 |
| Loan and lease loss provision to assets | 0.1054% | 1,197 |
| Net operating income to assets | 1.0713% | 2,406 |
| Return on assets (ROA) | 1.0713% | 2,480 |
| Pretax return on assets | 1.0713% | 3,060 |
| Return on Equity (ROE) | 10.0008% | 2,520 |
| Retained earnings to average equity (ytd only) | 3.8981% | 3,257 |
| Net charge-offs to loans | 0.0095% | 2,215 |
| Credit loss provision to net charge-offs | 2,580.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 423 |
| Efficiency ratio | 65.6898% | 2,304 |
| Assets per employee ($millions) | 4.5087% | 4,108 |
| Cash dividends to net income (ytd only)* | 61.0221% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7189% | 1,011 |
| Loan loss allowance to noncurrent loans | 10,950.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,108 |
| Noncurrent loans to loans | 0.0157% | 3,974 |
| Net loans and leases to total assets | 38.3058% | 4,176 |
| Net loans and leases to deposits | 42.6471% | 4,243 |
| Net loans and leases to core deposits | 47.8696% | 4,099 |
| Total domestic deposits to total assets | 89.8205% | 1,050 |
| Equity capital to assets | 10.1045% | 2,553 |
| Core capital (leverage) ratio | 10.7955% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,376,200 | 3,775 |
| Average earning assets | $116,546,200 | 3,731 |
| Average equity | $13,109,000 | 3,820 |
| Average total loans | $52,627,600 | 3,954 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 3,222 |
| Cost of funding earning assets | 0.1872% | 3,742 |
| Net interest margin | 3.1716% | 2,824 |
| Noninterest income to average assets | 0.5254% | 2,517 |
| Noninterest expense to average assets | 2.2868% | 2,787 |
| Loan and lease loss provision to assets | 0.1064% | 1,136 |
| Net operating income to assets | 1.1561% | 2,339 |
| Return on assets (ROA) | 1.1561% | 2,399 |
| Pretax return on assets | 1.1561% | 3,056 |
| Return on Equity (ROE) | 10.6291% | 2,508 |
| Retained earnings to average equity (ytd only) | 2.4764% | 4,063 |
| Net charge-offs to loans | 0.0075% | 2,039 |
| Credit loss provision to net charge-offs | 3,200.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 379.6667% | 372 |
| Efficiency ratio | 64.4285% | 2,327 |
| Assets per employee ($millions) | 3.9743% | 4,465 |
| Cash dividends to net income (ytd only)* | 76.7018% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,555 |
| Loan loss allowance to noncurrent loans | 1,383.6066% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,785 |
| Noncurrent loans to loans | 0.1097% | 3,545 |
| Net loans and leases to total assets | 47.5008% | 3,675 |
| Net loans and leases to deposits | 53.7346% | 3,764 |
| Net loans and leases to core deposits | 62.2061% | 3,297 |
| Total domestic deposits to total assets | 88.3988% | 1,621 |
| Equity capital to assets | 11.3817% | 1,752 |
| Core capital (leverage) ratio | 10.4453% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,282,000 | 3,839 |
| Average earning assets | $114,680,750 | 3,790 |
| Average equity | $13,083,250 | 3,874 |
| Average total loans | $53,044,000 | 3,997 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3760% | 3,241 |
| Cost of funding earning assets | 0.1992% | 3,758 |
| Net interest margin | 3.1768% | 2,825 |
| Noninterest income to average assets | 0.4985% | 2,629 |
| Noninterest expense to average assets | 2.2270% | 2,989 |
| Loan and lease loss provision to assets | 0.1050% | 1,195 |
| Net operating income to assets | 1.2004% | 2,188 |
| Return on assets (ROA) | 1.2004% | 2,262 |
| Pretax return on assets | 1.2004% | 2,911 |
| Return on Equity (ROE) | 11.1998% | 2,351 |
| Retained earnings to average equity (ytd only) | 2.0196% | 4,107 |
| Net charge-offs to loans | 0.0115% | 1,730 |
| Credit loss provision to net charge-offs | 2,133.3333% | 277 |
| Earnings coverage of net charge-offs (x) | 265.3333% | 414 |
| Efficiency ratio | 63.0455% | 2,566 |
| Assets per employee ($millions) | 4.2643% | 4,284 |
| Cash dividends to net income (ytd only)* | 81.9672% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 1,297 |
| Loan loss allowance to noncurrent loans | 1,426.3158% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 3,944 |
| Noncurrent loans to loans | 0.1115% | 3,632 |
| Net loans and leases to total assets | 40.6898% | 4,261 |
| Net loans and leases to deposits | 45.5557% | 4,323 |
| Net loans and leases to core deposits | 53.1627% | 4,072 |
| Total domestic deposits to total assets | 89.3187% | 1,129 |
| Equity capital to assets | 10.5406% | 2,362 |
| Core capital (leverage) ratio | 10.1826% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,957,667 | 3,834 |
| Average earning assets | $116,469,667 | 3,782 |
| Average equity | $13,071,667 | 3,887 |
| Average total loans | $52,195,000 | 4,039 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 2,908 |
| Cost of funding earning assets | 0.2217% | 3,713 |
| Net interest margin | 3.2846% | 2,433 |
| Noninterest income to average assets | 0.5087% | 2,570 |
| Noninterest expense to average assets | 2.1799% | 3,169 |
| Loan and lease loss provision to assets | 0.1024% | 1,324 |
| Net operating income to assets | 1.3575% | 1,668 |
| Return on assets (ROA) | 1.3575% | 1,757 |
| Pretax return on assets | 1.3575% | 2,401 |
| Return on Equity (ROE) | 12.5592% | 1,808 |
| Retained earnings to average equity (ytd only) | 6.4477% | 2,748 |
| Net charge-offs to loans | 0.0152% | 1,442 |
| Credit loss provision to net charge-offs | 1,550.0000% | 297 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 374 |
| Efficiency ratio | 59.8911% | 3,047 |
| Assets per employee ($millions) | 4.2003% | 4,347 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,502 |
| Loan loss allowance to noncurrent loans | 1,859.5238% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 4,116 |
| Noncurrent loans to loans | 0.0823% | 3,887 |
| Net loans and leases to total assets | 41.2331% | 4,281 |
| Net loans and leases to deposits | 46.2405% | 4,337 |
| Net loans and leases to core deposits | 55.9715% | 3,977 |
| Total domestic deposits to total assets | 89.1708% | 1,254 |
| Equity capital to assets | 10.7364% | 2,049 |
| Core capital (leverage) ratio | 10.1359% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3743% | 1,202 |
| Memoranda: | ||
| Average total assets | $121,104,000 | 3,843 |
| Average earning assets | $115,446,500 | 3,790 |
| Average equity | $13,090,000 | 3,895 |
| Average total loans | $52,726,500 | 4,045 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 2,856 |
| Cost of funding earning assets | 0.5305% | 2,745 |
| Net interest margin | 3.4287% | 2,678 |
| Noninterest income to average assets | 0.5371% | 2,478 |
| Noninterest expense to average assets | 2.5191% | 2,784 |
| Loan and lease loss provision to assets | 0.1252% | 2,798 |
| Net operating income to assets | 1.1526% | 1,710 |
| Return on assets (ROA) | 1.1638% | 1,784 |
| Pretax return on assets | 1.1638% | 2,461 |
| Return on Equity (ROE) | 9.9224% | 2,030 |
| Retained earnings to average equity (ytd only) | 2.5164% | 3,591 |
| Net charge-offs to loans | 0.0209% | 2,644 |
| Credit loss provision to net charge-offs | 1,218.1818% | 676 |
| Earnings coverage of net charge-offs (x) | 124.3636% | 686 |
| Efficiency ratio | 66.3469% | 2,477 |
| Assets per employee ($millions) | 4.1517% | 4,256 |
| Cash dividends to net income (ytd only)* | 74.6388% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,064 |
| Loan loss allowance to noncurrent loans | 1,190.4762% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,079 |
| Noncurrent loans to loans | 0.1157% | 3,823 |
| Net loans and leases to total assets | 44.5987% | 4,218 |
| Net loans and leases to deposits | 50.0751% | 4,314 |
| Net loans and leases to core deposits | 56.0407% | 4,150 |
| Total domestic deposits to total assets | 89.0638% | 958 |
| Equity capital to assets | 10.8822% | 2,358 |
| Core capital (leverage) ratio | 11.0650% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,061,600 | 3,907 |
| Average earning assets | $101,786,400 | 3,874 |
| Average equity | $12,557,400 | 3,912 |
| Average total loans | $52,612,200 | 4,055 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 2,546 |
| Cost of funding earning assets | 0.5853% | 2,704 |
| Net interest margin | 3.5567% | 2,405 |
| Noninterest income to average assets | 0.5553% | 2,372 |
| Noninterest expense to average assets | 2.6119% | 2,504 |
| Loan and lease loss provision to assets | 0.1311% | 2,710 |
| Net operating income to assets | 1.1941% | 1,657 |
| Return on assets (ROA) | 1.2057% | 1,746 |
| Pretax return on assets | 1.2057% | 2,370 |
| Return on Equity (ROE) | 10.0685% | 1,996 |
| Retained earnings to average equity (ytd only) | 0.1395% | 4,456 |
| Net charge-offs to loans | 0.0307% | 2,218 |
| Credit loss provision to net charge-offs | 850.0000% | 937 |
| Earnings coverage of net charge-offs (x) | 85.9167% | 878 |
| Efficiency ratio | 66.3402% | 2,425 |
| Assets per employee ($millions) | 3.8717% | 4,426 |
| Cash dividends to net income (ytd only)* | 98.6141% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,044 |
| Loan loss allowance to noncurrent loans | 505.6338% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 3,770 |
| Noncurrent loans to loans | 0.2629% | 3,354 |
| Net loans and leases to total assets | 49.1684% | 4,138 |
| Net loans and leases to deposits | 55.9384% | 4,266 |
| Net loans and leases to core deposits | 65.6760% | 3,910 |
| Total domestic deposits to total assets | 87.8975% | 1,263 |
| Equity capital to assets | 11.8590% | 1,763 |
| Core capital (leverage) ratio | 10.8925% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,727,500 | 3,945 |
| Average earning assets | $98,628,500 | 3,906 |
| Average equity | $12,421,250 | 3,933 |
| Average total loans | $52,153,750 | 4,088 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,497 |
| Cost of funding earning assets | 0.6262% | 2,829 |
| Net interest margin | 3.6646% | 2,282 |
| Noninterest income to average assets | 0.5579% | 2,315 |
| Noninterest expense to average assets | 2.6134% | 2,622 |
| Loan and lease loss provision to assets | 0.1351% | 2,663 |
| Net operating income to assets | 1.2920% | 1,377 |
| Return on assets (ROA) | 1.2920% | 1,488 |
| Pretax return on assets | 1.2920% | 2,053 |
| Return on Equity (ROE) | 10.7524% | 1,719 |
| Retained earnings to average equity (ytd only) | -1.0589% | 4,485 |
| Net charge-offs to loans | 0.0427% | 1,893 |
| Credit loss provision to net charge-offs | 627.2727% | 1,073 |
| Earnings coverage of net charge-offs (x) | 66.2727% | 908 |
| Efficiency ratio | 64.6802% | 2,719 |
| Assets per employee ($millions) | 3.7418% | 4,514 |
| Cash dividends to net income (ytd only)* | 109.8485% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,797 |
| Loan loss allowance to noncurrent loans | 515.7895% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 3,892 |
| Noncurrent loans to loans | 0.2609% | 3,449 |
| Net loans and leases to total assets | 47.9952% | 4,254 |
| Net loans and leases to deposits | 54.7868% | 4,346 |
| Net loans and leases to core deposits | 67.2655% | 3,907 |
| Total domestic deposits to total assets | 87.6034% | 1,376 |
| Equity capital to assets | 12.1990% | 1,540 |
| Core capital (leverage) ratio | 11.5204% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,167,667 | 3,965 |
| Average earning assets | $97,091,333 | 3,925 |
| Average equity | $12,276,333 | 3,951 |
| Average total loans | $51,531,667 | 4,110 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 2,554 |
| Cost of funding earning assets | 0.6861% | 2,989 |
| Net interest margin | 3.7317% | 2,213 |
| Noninterest income to average assets | 0.5473% | 2,297 |
| Noninterest expense to average assets | 2.6848% | 2,748 |
| Loan and lease loss provision to assets | 0.1388% | 2,001 |
| Net operating income to assets | 1.2611% | 1,348 |
| Return on assets (ROA) | 1.2611% | 1,446 |
| Pretax return on assets | 1.2611% | 1,987 |
| Return on Equity (ROE) | 10.5788% | 1,541 |
| Retained earnings to average equity (ytd only) | 1.4305% | 3,624 |
| Net charge-offs to loans | 0.0309% | 1,767 |
| Credit loss provision to net charge-offs | 875.0000% | 629 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 632 |
| Efficiency ratio | 65.7282% | 3,005 |
| Assets per employee ($millions) | 3.6143% | 4,371 |
| Cash dividends to net income (ytd only)* | 86.4780% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 2,018 |
| Loan loss allowance to noncurrent loans | 1,830.5556% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 4,438 |
| Noncurrent loans to loans | 0.0724% | 4,233 |
| Net loans and leases to total assets | 48.4491% | 4,314 |
| Net loans and leases to deposits | 54.7294% | 4,410 |
| Net loans and leases to core deposits | 69.8099% | 3,892 |
| Total domestic deposits to total assets | 88.5248% | 871 |
| Equity capital to assets | 11.3250% | 2,571 |
| Core capital (leverage) ratio | 11.5701% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,866,000 | 3,977 |
| Average earning assets | $95,613,500 | 3,932 |
| Average equity | $12,024,000 | 3,997 |
| Average total loans | $51,812,000 | 4,121 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 2,660 |
| Cost of funding earning assets | 0.5959% | 3,658 |
| Net interest margin | 3.9919% | 1,880 |
| Noninterest income to average assets | 0.5924% | 2,264 |
| Noninterest expense to average assets | 2.5632% | 3,279 |
| Loan and lease loss provision to assets | 0.1534% | 1,373 |
| Net operating income to assets | 1.6479% | 741 |
| Return on assets (ROA) | 1.6479% | 791 |
| Pretax return on assets | 1.6479% | 1,342 |
| Return on Equity (ROE) | 13.4948% | 1,012 |
| Retained earnings to average equity (ytd only) | 4.3633% | 2,784 |
| Net charge-offs to loans | -0.0019% | 4,220 |
| Credit loss provision to net charge-offs | -15,200.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4740% | 3,917 |
| Assets per employee ($millions) | 3.7234% | 4,241 |
| Cash dividends to net income (ytd only)* | 67.6669% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,609 |
| Loan loss allowance to noncurrent loans | 2,419.2308% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,523 |
| Noncurrent loans to loans | 0.0482% | 4,355 |
| Net loans and leases to total assets | 53.0234% | 4,143 |
| Net loans and leases to deposits | 60.6718% | 4,259 |
| Net loans and leases to core deposits | 70.4599% | 3,939 |
| Total domestic deposits to total assets | 87.3939% | 1,410 |
| Equity capital to assets | 12.5205% | 1,801 |
| Core capital (leverage) ratio | 12.2774% | 1,612 |
| Tier 1 risk-based capital ratio | 14.9040% | 2,818 |
| Total risk-based capital ratio | 15.6819% | 2,955 |
| Memoranda: | ||
| Average total assets | $99,093,200 | 4,014 |
| Average earning assets | $93,640,000 | 3,976 |
| Average equity | $12,101,000 | 3,986 |
| Average total loans | $52,144,800 | 4,140 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 2,691 |
| Cost of funding earning assets | 0.5819% | 3,770 |
| Net interest margin | 4.0289% | 1,836 |
| Noninterest income to average assets | 0.5861% | 2,278 |
| Noninterest expense to average assets | 2.4577% | 3,547 |
| Loan and lease loss provision to assets | 0.1539% | 1,217 |
| Net operating income to assets | 1.7798% | 639 |
| Return on assets (ROA) | 1.7798% | 674 |
| Pretax return on assets | 1.7798% | 1,140 |
| Return on Equity (ROE) | 14.6691% | 857 |
| Retained earnings to average equity (ytd only) | 2.3706% | 4,148 |
| Net charge-offs to loans | -0.0026% | 4,085 |
| Credit loss provision to net charge-offs | -11,400.0000% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9656% | 4,169 |
| Assets per employee ($millions) | 3.7937% | 4,170 |
| Cash dividends to net income (ytd only)* | 83.8393% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 3,258 |
| Loan loss allowance to noncurrent loans | 173.5294% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 3,135 |
| Noncurrent loans to loans | 0.6078% | 2,463 |
| Net loans and leases to total assets | 56.1119% | 4,040 |
| Net loans and leases to deposits | 70.4031% | 3,743 |
| Net loans and leases to core deposits | 84.2059% | 3,075 |
| Total domestic deposits to total assets | 79.7009% | 4,048 |
| Equity capital to assets | 12.4591% | 1,945 |
| Core capital (leverage) ratio | 12.1991% | 1,733 |
| Tier 1 risk-based capital ratio | 14.2534% | 3,196 |
| Total risk-based capital ratio | 14.9699% | 3,375 |
| Memoranda: | ||
| Average total assets | $98,733,750 | 4,064 |
| Average earning assets | $93,256,500 | 4,029 |
| Average equity | $11,979,500 | 4,039 |
| Average total loans | $51,697,500 | 4,197 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 2,679 |
| Cost of funding earning assets | 0.5608% | 3,834 |
| Net interest margin | 4.0391% | 1,797 |
| Noninterest income to average assets | 0.5589% | 2,348 |
| Noninterest expense to average assets | 2.4664% | 3,582 |
| Loan and lease loss provision to assets | 0.1519% | 1,204 |
| Net operating income to assets | 1.7617% | 645 |
| Return on assets (ROA) | 1.7617% | 672 |
| Pretax return on assets | 1.7617% | 1,144 |
| Return on Equity (ROE) | 14.6510% | 841 |
| Retained earnings to average equity (ytd only) | 0.6736% | 4,519 |
| Net charge-offs to loans | 0.0080% | 2,861 |
| Credit loss provision to net charge-offs | 3,750.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 472.5000% | 162 |
| Efficiency ratio | 56.3107% | 4,214 |
| Assets per employee ($millions) | 3.7130% | 4,226 |
| Cash dividends to net income (ytd only)* | 95.4023% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,191 |
| Loan loss allowance to noncurrent loans | 667.0732% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 4,343 |
| Noncurrent loans to loans | 0.1616% | 3,971 |
| Net loans and leases to total assets | 51.9852% | 4,351 |
| Net loans and leases to deposits | 59.5277% | 4,453 |
| Net loans and leases to core deposits | 71.8554% | 4,011 |
| Total domestic deposits to total assets | 87.3295% | 1,420 |
| Equity capital to assets | 12.4789% | 1,868 |
| Core capital (leverage) ratio | 11.6718% | 2,042 |
| Tier 1 risk-based capital ratio | 14.3825% | 3,127 |
| Total risk-based capital ratio | 15.6636% | 3,025 |
| Memoranda: | ||
| Average total assets | $98,766,670 | 4,089 |
| Average earning assets | $93,437,670 | 4,047 |
| Average equity | $11,876,330 | 4,062 |
| Average total loans | $50,284,670 | 4,250 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 2,699 |
| Cost of funding earning assets | 0.4918% | 4,095 |
| Net interest margin | 4.0577% | 1,670 |
| Noninterest income to average assets | 0.5286% | 2,388 |
| Noninterest expense to average assets | 2.4589% | 3,607 |
| Loan and lease loss provision to assets | 0.1442% | 1,183 |
| Net operating income to assets | 1.7581% | 643 |
| Return on assets (ROA) | 1.7581% | 661 |
| Pretax return on assets | 1.7581% | 1,081 |
| Return on Equity (ROE) | 14.8927% | 769 |
| Retained earnings to average equity (ytd only) | 5.3939% | 2,740 |
| Net charge-offs to loans | 0.0240% | 1,969 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 158.3333% | 488 |
| Efficiency ratio | 56.3820% | 4,280 |
| Assets per employee ($millions) | 3.9387% | 4,013 |
| Cash dividends to net income (ytd only)* | 63.7813% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,442 |
| Loan loss allowance to noncurrent loans | 127.9597% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 3,029 |
| Noncurrent loans to loans | 0.8151% | 2,012 |
| Net loans and leases to total assets | 47.0632% | 4,617 |
| Net loans and leases to deposits | 53.3809% | 4,698 |
| Net loans and leases to core deposits | 65.2205% | 4,313 |
| Total domestic deposits to total assets | 88.1649% | 1,251 |
| Equity capital to assets | 11.7082% | 2,225 |
| Core capital (leverage) ratio | 11.4196% | 2,198 |
| Tier 1 risk-based capital ratio | 14.4783% | 3,107 |
| Total risk-based capital ratio | 15.1078% | 3,329 |
| Memoranda: | ||
| Average total assets | $99,880,500 | 4,109 |
| Average earning assets | $94,339,500 | 4,071 |
| Average equity | $11,791,000 | 4,088 |
| Average total loans | $50,060,500 | 4,297 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4405% | 2,636 |
| Cost of funding earning assets | 0.3950% | 4,009 |
| Net interest margin | 4.0455% | 1,846 |
| Noninterest income to average assets | 0.5281% | 2,667 |
| Noninterest expense to average assets | 2.6874% | 3,069 |
| Loan and lease loss provision to assets | 0.1478% | 1,442 |
| Net operating income to assets | 1.5354% | 1,034 |
| Return on assets (ROA) | 1.5354% | 1,021 |
| Pretax return on assets | 1.5354% | 1,666 |
| Return on Equity (ROE) | 13.3826% | 1,207 |
| Retained earnings to average equity (ytd only) | 5.5716% | 2,439 |
| Net charge-offs to loans | 0.1181% | 1,560 |
| Credit loss provision to net charge-offs | 245.7627% | 1,207 |
| Earnings coverage of net charge-offs (x) | 27.9831% | 1,668 |
| Efficiency ratio | 61.4882% | 3,630 |
| Assets per employee ($millions) | 3.4769% | 4,568 |
| Cash dividends to net income (ytd only)* | 58.3665% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,079 |
| Loan loss allowance to noncurrent loans | 592.5000% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 4,409 |
| Noncurrent loans to loans | 0.1556% | 4,040 |
| Net loans and leases to total assets | 52.3276% | 4,392 |
| Net loans and leases to deposits | 59.4490% | 4,508 |
| Net loans and leases to core deposits | 66.4393% | 4,329 |
| Total domestic deposits to total assets | 88.0210% | 1,286 |
| Equity capital to assets | 11.9071% | 1,964 |
| Core capital (leverage) ratio | 12.1609% | 1,634 |
| Tier 1 risk-based capital ratio | 14.4590% | 3,079 |
| Total risk-based capital ratio | 15.0538% | 3,313 |
| Memoranda: | ||
| Average total assets | $98,086,200 | 4,126 |
| Average earning assets | $93,166,200 | 4,079 |
| Average equity | $11,253,400 | 4,126 |
| Average total loans | $49,943,200 | 4,319 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 2,690 |
| Cost of funding earning assets | 0.3746% | 4,023 |
| Net interest margin | 4.0056% | 1,938 |
| Noninterest income to average assets | 0.5278% | 2,694 |
| Noninterest expense to average assets | 2.6105% | 3,252 |
| Loan and lease loss provision to assets | 0.1492% | 1,321 |
| Net operating income to assets | 1.5834% | 993 |
| Return on assets (ROA) | 1.5834% | 996 |
| Pretax return on assets | 1.5834% | 1,624 |
| Return on Equity (ROE) | 13.9314% | 1,139 |
| Retained earnings to average equity (ytd only) | 3.4381% | 4,048 |
| Net charge-offs to loans | 0.1210% | 1,299 |
| Credit loss provision to net charge-offs | 244.4444% | 1,201 |
| Earnings coverage of net charge-offs (x) | 28.3770% | 1,667 |
| Efficiency ratio | 60.1062% | 3,804 |
| Assets per employee ($millions) | 3.4117% | 4,668 |
| Cash dividends to net income (ytd only)* | 75.3213% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,399 |
| Loan loss allowance to noncurrent loans | 319.7183% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,202 |
| Noncurrent loans to loans | 0.2702% | 3,722 |
| Net loans and leases to total assets | 54.5442% | 4,325 |
| Net loans and leases to deposits | 65.7501% | 4,215 |
| Net loans and leases to core deposits | 76.8261% | 3,753 |
| Total domestic deposits to total assets | 82.9568% | 3,320 |
| Equity capital to assets | 11.5809% | 2,200 |
| Core capital (leverage) ratio | 11.7533% | 1,961 |
| Tier 1 risk-based capital ratio | 13.9909% | 3,376 |
| Total risk-based capital ratio | 14.5588% | 3,648 |
| Memoranda: | ||
| Average total assets | $98,269,250 | 4,169 |
| Average earning assets | $93,599,000 | 4,118 |
| Average equity | $11,168,750 | 4,178 |
| Average total loans | $49,574,750 | 4,373 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,810 |
| Cost of funding earning assets | 0.3555% | 4,038 |
| Net interest margin | 3.9318% | 2,098 |
| Noninterest income to average assets | 0.5283% | 2,703 |
| Noninterest expense to average assets | 2.5871% | 3,369 |
| Loan and lease loss provision to assets | 0.1391% | 1,405 |
| Net operating income to assets | 1.5487% | 1,038 |
| Return on assets (ROA) | 1.5487% | 1,042 |
| Pretax return on assets | 1.5487% | 1,662 |
| Return on Equity (ROE) | 13.7094% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.9275% | 4,078 |
| Net charge-offs to loans | 0.1441% | 1,059 |
| Credit loss provision to net charge-offs | 197.1429% | 1,321 |
| Earnings coverage of net charge-offs (x) | 23.9143% | 1,696 |
| Efficiency ratio | 60.5189% | 3,852 |
| Assets per employee ($millions) | 3.4176% | 4,699 |
| Cash dividends to net income (ytd only)* | 78.6458% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 4,582 |
| Loan loss allowance to noncurrent loans | 240.3409% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 4,058 |
| Noncurrent loans to loans | 0.3483% | 3,448 |
| Net loans and leases to total assets | 52.3586% | 4,451 |
| Net loans and leases to deposits | 59.3518% | 4,565 |
| Net loans and leases to core deposits | 71.3626% | 4,056 |
| Total domestic deposits to total assets | 88.2174% | 1,263 |
| Equity capital to assets | 11.6081% | 2,120 |
| Core capital (leverage) ratio | 11.2531% | 2,301 |
| Tier 1 risk-based capital ratio | 13.9915% | 3,362 |
| Total risk-based capital ratio | 14.5266% | 3,671 |
| Memoranda: | ||
| Average total assets | $99,183,000 | 4,189 |
| Average earning assets | $94,512,000 | 4,136 |
| Average equity | $11,204,000 | 4,204 |
| Average total loans | $48,580,000 | 4,428 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,038 |
| Cost of funding earning assets | 0.3333% | 4,113 |
| Net interest margin | 3.8241% | 2,321 |
| Noninterest income to average assets | 0.5390% | 2,581 |
| Noninterest expense to average assets | 2.5761% | 3,411 |
| Loan and lease loss provision to assets | 0.0515% | 2,746 |
| Net operating income to assets | 1.5496% | 953 |
| Return on assets (ROA) | 1.5496% | 960 |
| Pretax return on assets | 1.5496% | 1,528 |
| Return on Equity (ROE) | 13.8998% | 1,038 |
| Retained earnings to average equity (ytd only) | 12.0156% | 679 |
| Net charge-offs to loans | 0.1344% | 1,000 |
| Credit loss provision to net charge-offs | 81.2500% | 1,736 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,345 |
| Efficiency ratio | 61.6698% | 3,844 |
| Assets per employee ($millions) | 3.6270% | 4,507 |
| Cash dividends to net income (ytd only)* | 13.5550% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,792 |
| Loan loss allowance to noncurrent loans | 247.4359% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 4,309 |
| Noncurrent loans to loans | 0.3235% | 3,608 |
| Net loans and leases to total assets | 47.1036% | 4,749 |
| Net loans and leases to deposits | 53.0585% | 4,836 |
| Net loans and leases to core deposits | 65.5167% | 4,344 |
| Total domestic deposits to total assets | 88.7767% | 1,218 |
| Equity capital to assets | 11.1071% | 2,478 |
| Core capital (leverage) ratio | 10.7635% | 2,668 |
| Tier 1 risk-based capital ratio | 14.4721% | 3,136 |
| Total risk-based capital ratio | 14.9694% | 3,438 |
| Memoranda: | ||
| Average total assets | $100,928,500 | 4,209 |
| Average earning assets | $96,023,500 | 4,158 |
| Average equity | $11,252,000 | 4,237 |
| Average total loans | $47,607,000 | 4,496 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,514 |
| Cost of funding earning assets | 0.3312% | 3,862 |
| Net interest margin | 3.9152% | 2,044 |
| Noninterest income to average assets | 0.5110% | 2,928 |
| Noninterest expense to average assets | 2.6955% | 3,136 |
| Loan and lease loss provision to assets | 0.0934% | 2,336 |
| Net operating income to assets | 1.4457% | 915 |
| Return on assets (ROA) | 1.4457% | 933 |
| Pretax return on assets | 1.4457% | 1,831 |
| Return on Equity (ROE) | 12.9098% | 973 |
| Retained earnings to average equity (ytd only) | 1.7683% | 4,255 |
| Net charge-offs to loans | 0.1390% | 1,679 |
| Credit loss provision to net charge-offs | 140.0000% | 1,888 |
| Earnings coverage of net charge-offs (x) | 23.0769% | 1,824 |
| Efficiency ratio | 63.6540% | 3,651 |
| Assets per employee ($millions) | 3.5821% | 4,599 |
| Cash dividends to net income (ytd only)* | 86.3023% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 4,755 |
| Loan loss allowance to noncurrent loans | 312.9032% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 4,510 |
| Noncurrent loans to loans | 0.2639% | 3,837 |
| Net loans and leases to total assets | 46.4636% | 4,861 |
| Net loans and leases to deposits | 52.3559% | 4,969 |
| Net loans and leases to core deposits | 56.3410% | 4,925 |
| Total domestic deposits to total assets | 88.7458% | 1,117 |
| Equity capital to assets | 11.1904% | 2,437 |
| Core capital (leverage) ratio | 11.6492% | 1,830 |
| Tier 1 risk-based capital ratio | 14.5598% | 3,061 |
| Total risk-based capital ratio | 15.0783% | 3,369 |
| Memoranda: | ||
| Average total assets | $97,460,000 | 4,279 |
| Average earning assets | $92,689,000 | 4,225 |
| Average equity | $10,914,200 | 4,314 |
| Average total loans | $46,766,800 | 4,541 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,390 |
| Cost of funding earning assets | 0.3533% | 3,630 |
| Net interest margin | 3.9090% | 2,013 |
| Noninterest income to average assets | 0.5209% | 2,894 |
| Noninterest expense to average assets | 2.7162% | 3,004 |
| Loan and lease loss provision to assets | 0.1089% | 1,955 |
| Net operating income to assets | 1.4167% | 1,055 |
| Return on assets (ROA) | 1.4167% | 1,084 |
| Pretax return on assets | 1.4167% | 2,074 |
| Return on Equity (ROE) | 12.6480% | 1,139 |
| Retained earnings to average equity (ytd only) | -2.0055% | 5,432 |
| Net charge-offs to loans | 0.1541% | 1,318 |
| Credit loss provision to net charge-offs | 146.2963% | 1,721 |
| Earnings coverage of net charge-offs (x) | 20.4994% | 1,950 |
| Efficiency ratio | 64.0351% | 3,537 |
| Assets per employee ($millions) | 3.3221% | 4,951 |
| Cash dividends to net income (ytd only)* | 115.8562% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,858 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 4,616 |
| Noncurrent loans to loans | 0.2031% | 4,270 |
| Net loans and leases to total assets | 50.9256% | 4,649 |
| Net loans and leases to deposits | 58.7659% | 4,697 |
| Net loans and leases to core deposits | 66.3018% | 4,463 |
| Total domestic deposits to total assets | 86.6585% | 2,018 |
| Equity capital to assets | 12.0332% | 1,946 |
| Core capital (leverage) ratio | 11.1756% | 2,299 |
| Tier 1 risk-based capital ratio | 13.9940% | 3,442 |
| Total risk-based capital ratio | 14.5091% | 3,760 |
| Memoranda: | ||
| Average total assets | $96,750,000 | 4,333 |
| Average earning assets | $92,093,750 | 4,277 |
| Average equity | $10,836,750 | 4,375 |
| Average total loans | $46,710,750 | 4,588 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 2,530 |
| Cost of funding earning assets | 0.3450% | 3,631 |
| Net interest margin | 3.8402% | 2,129 |
| Noninterest income to average assets | 0.5082% | 2,969 |
| Noninterest expense to average assets | 2.7124% | 3,050 |
| Loan and lease loss provision to assets | 0.1347% | 1,546 |
| Net operating income to assets | 1.3184% | 1,257 |
| Return on assets (ROA) | 1.3184% | 1,281 |
| Pretax return on assets | 1.3184% | 2,316 |
| Return on Equity (ROE) | 12.0545% | 1,283 |
| Retained earnings to average equity (ytd only) | -9.1622% | 5,634 |
| Net charge-offs to loans | 0.0475% | 2,267 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 64.7273% | 892 |
| Efficiency ratio | 65.1151% | 3,490 |
| Assets per employee ($millions) | 3.3915% | 4,868 |
| Cash dividends to net income (ytd only)* | 176.0062% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,561 |
| Loan loss allowance to noncurrent loans | 98.1221% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 3,318 |
| Noncurrent loans to loans | 0.9368% | 2,097 |
| Net loans and leases to total assets | 47.4463% | 4,856 |
| Net loans and leases to deposits | 55.0168% | 4,906 |
| Net loans and leases to core deposits | 64.9035% | 4,544 |
| Total domestic deposits to total assets | 86.2398% | 2,277 |
| Equity capital to assets | 11.4825% | 2,332 |
| Core capital (leverage) ratio | 10.3097% | 3,133 |
| Tier 1 risk-based capital ratio | 13.8456% | 3,508 |
| Total risk-based capital ratio | 14.4124% | 3,810 |
| Memoranda: | ||
| Average total assets | $97,994,000 | 4,344 |
| Average earning assets | $93,329,670 | 4,283 |
| Average equity | $10,718,000 | 4,406 |
| Average total loans | $46,361,670 | 4,624 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 2,367 |
| Cost of funding earning assets | 0.3002% | 4,043 |
| Net interest margin | 3.8735% | 1,878 |
| Noninterest income to average assets | 0.5025% | 2,964 |
| Noninterest expense to average assets | 2.6450% | 3,325 |
| Loan and lease loss provision to assets | 0.0241% | 3,264 |
| Net operating income to assets | 1.5154% | 786 |
| Return on assets (ROA) | 1.5154% | 815 |
| Pretax return on assets | 1.5154% | 1,488 |
| Return on Equity (ROE) | 14.1929% | 767 |
| Retained earnings to average equity (ytd only) | -24.5835% | 5,769 |
| Net charge-offs to loans | 0.0171% | 2,446 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 191.5000% | 294 |
| Efficiency ratio | 63.2085% | 3,953 |
| Assets per employee ($millions) | 3.6006% | 4,646 |
| Cash dividends to net income (ytd only)* | 273.2095% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 5,017 |
| Loan loss allowance to noncurrent loans | 173.1132% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 4,389 |
| Noncurrent loans to loans | 0.4722% | 3,400 |
| Net loans and leases to total assets | 44.1656% | 5,030 |
| Net loans and leases to deposits | 50.4252% | 5,106 |
| Net loans and leases to core deposits | 60.2982% | 4,758 |
| Total domestic deposits to total assets | 87.5863% | 1,949 |
| Equity capital to assets | 10.3198% | 3,386 |
| Core capital (leverage) ratio | 9.7918% | 3,765 |
| Tier 1 risk-based capital ratio | 13.7735% | 3,616 |
| Total risk-based capital ratio | 14.2765% | 3,963 |
| Memoranda: | ||
| Average total assets | $99,510,000 | 4,358 |
| Average earning assets | $94,590,500 | 4,299 |
| Average equity | $10,625,000 | 4,448 |
| Average total loans | $46,805,500 | 4,653 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,043 |
| Cost of funding earning assets | 0.2969% | 4,098 |
| Net interest margin | 4.0343% | 1,546 |
| Noninterest income to average assets | 0.5794% | 2,763 |
| Noninterest expense to average assets | 2.8788% | 2,748 |
| Loan and lease loss provision to assets | 0.0256% | 3,844 |
| Net operating income to assets | 1.4885% | 847 |
| Return on assets (ROA) | 1.5429% | 791 |
| Pretax return on assets | 1.5429% | 1,455 |
| Return on Equity (ROE) | 13.2072% | 949 |
| Retained earnings to average equity (ytd only) | 3.1968% | 3,635 |
| Net charge-offs to loans | 0.0650% | 2,766 |
| Credit loss provision to net charge-offs | 82.7586% | 2,933 |
| Earnings coverage of net charge-offs (x) | 48.9310% | 1,021 |
| Efficiency ratio | 65.5332% | 3,672 |
| Assets per employee ($millions) | 3.5073% | 4,750 |
| Cash dividends to net income (ytd only)* | 75.7953% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 5,259 |
| Loan loss allowance to noncurrent loans | 208.0460% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 4,609 |
| Noncurrent loans to loans | 0.3572% | 3,853 |
| Net loans and leases to total assets | 49.2404% | 4,814 |
| Net loans and leases to deposits | 56.6867% | 4,874 |
| Net loans and leases to core deposits | 61.6723% | 4,768 |
| Total domestic deposits to total assets | 86.8641% | 2,215 |
| Equity capital to assets | 11.0444% | 2,597 |
| Core capital (leverage) ratio | 11.3271% | 2,062 |
| Tier 1 risk-based capital ratio | 14.0888% | 3,415 |
| Total risk-based capital ratio | 14.5654% | 3,796 |
| Memoranda: | ||
| Average total assets | $93,719,600 | 4,477 |
| Average earning assets | $88,589,800 | 4,421 |
| Average equity | $10,948,600 | 4,431 |
| Average total loans | $44,608,200 | 4,726 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 1,982 |
| Cost of funding earning assets | 0.3064% | 4,027 |
| Net interest margin | 4.0498% | 1,527 |
| Noninterest income to average assets | 0.5601% | 2,873 |
| Noninterest expense to average assets | 2.8653% | 2,763 |
| Loan and lease loss provision to assets | 0.0245% | 3,756 |
| Net operating income to assets | 1.4960% | 884 |
| Return on assets (ROA) | 1.5695% | 807 |
| Pretax return on assets | 1.5695% | 1,468 |
| Return on Equity (ROE) | 13.2428% | 981 |
| Retained earnings to average equity (ytd only) | 0.2916% | 5,274 |
| Net charge-offs to loans | 0.0459% | 2,731 |
| Credit loss provision to net charge-offs | 113.3333% | 2,185 |
| Earnings coverage of net charge-offs (x) | 70.3980% | 854 |
| Efficiency ratio | 65.3316% | 3,704 |
| Assets per employee ($millions) | 3.2586% | 5,094 |
| Cash dividends to net income (ytd only)* | 97.7981% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 5,238 |
| Loan loss allowance to noncurrent loans | 462.5000% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 5,091 |
| Noncurrent loans to loans | 0.1692% | 4,681 |
| Net loans and leases to total assets | 51.4083% | 4,700 |
| Net loans and leases to deposits | 60.3052% | 4,739 |
| Net loans and leases to core deposits | 68.6192% | 4,422 |
| Total domestic deposits to total assets | 85.2469% | 2,696 |
| Equity capital to assets | 12.3167% | 1,885 |
| Core capital (leverage) ratio | 11.4773% | 2,052 |
| Tier 1 risk-based capital ratio | 13.5465% | 3,834 |
| Total risk-based capital ratio | 14.0295% | 4,200 |
| Memoranda: | ||
| Average total assets | $92,598,500 | 4,533 |
| Average earning assets | $87,475,000 | 4,480 |
| Average equity | $10,974,250 | 4,471 |
| Average total loans | $43,580,750 | 4,797 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,220 |
| Cost of funding earning assets | 0.3029% | 4,093 |
| Net interest margin | 3.9766% | 1,717 |
| Noninterest income to average assets | 0.5588% | 2,856 |
| Noninterest expense to average assets | 2.8587% | 2,808 |
| Loan and lease loss provision to assets | 0.0236% | 3,658 |
| Net operating income to assets | 1.4293% | 1,009 |
| Return on assets (ROA) | 1.4809% | 974 |
| Pretax return on assets | 1.4809% | 1,737 |
| Return on Equity (ROE) | 12.6581% | 1,113 |
| Retained earnings to average equity (ytd only) | -6.3199% | 5,799 |
| Net charge-offs to loans | 0.0189% | 3,122 |
| Credit loss provision to net charge-offs | 275.0000% | 1,023 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 377 |
| Efficiency ratio | 66.3011% | 3,629 |
| Assets per employee ($millions) | 3.2084% | 5,193 |
| Cash dividends to net income (ytd only)* | 149.9274% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 5,121 |
| Loan loss allowance to noncurrent loans | 167.4107% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 4,499 |
| Noncurrent loans to loans | 0.5096% | 3,555 |
| Net loans and leases to total assets | 48.5100% | 4,948 |
| Net loans and leases to deposits | 56.8946% | 4,955 |
| Net loans and leases to core deposits | 66.4476% | 4,572 |
| Total domestic deposits to total assets | 85.2630% | 2,751 |
| Equity capital to assets | 12.3026% | 1,901 |
| Core capital (leverage) ratio | 10.8357% | 2,610 |
| Tier 1 risk-based capital ratio | 13.7602% | 3,745 |
| Total risk-based capital ratio | 14.2757% | 4,100 |
| Memoranda: | ||
| Average total assets | $93,050,670 | 4,558 |
| Average earning assets | $87,813,330 | 4,509 |
| Average equity | $10,886,330 | 4,511 |
| Average total loans | $42,349,000 | 4,890 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 2,482 |
| Cost of funding earning assets | 0.2829% | 4,356 |
| Net interest margin | 3.9151% | 1,893 |
| Noninterest income to average assets | 0.5662% | 2,707 |
| Noninterest expense to average assets | 2.8735% | 2,795 |
| Loan and lease loss provision to assets | 0.0211% | 3,407 |
| Net operating income to assets | 1.3565% | 1,122 |
| Return on assets (ROA) | 1.4029% | 1,086 |
| Pretax return on assets | 1.4029% | 1,899 |
| Return on Equity (ROE) | 12.2923% | 1,217 |
| Retained earnings to average equity (ytd only) | -24.7327% | 5,999 |
| Net charge-offs to loans | 0.0096% | 2,801 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 183 |
| Efficiency ratio | 67.5944% | 3,529 |
| Assets per employee ($millions) | 3.3251% | 5,088 |
| Cash dividends to net income (ytd only)* | 301.2048% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 5,061 |
| Loan loss allowance to noncurrent loans | 59.5200% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 3,020 |
| Noncurrent loans to loans | 1.5089% | 1,550 |
| Net loans and leases to total assets | 44.0893% | 5,236 |
| Net loans and leases to deposits | 51.0186% | 5,281 |
| Net loans and leases to core deposits | 59.7879% | 4,954 |
| Total domestic deposits to total assets | 86.4181% | 2,483 |
| Equity capital to assets | 11.2908% | 2,637 |
| Core capital (leverage) ratio | 10.0062% | 3,534 |
| Tier 1 risk-based capital ratio | 13.0002% | 4,269 |
| Total risk-based capital ratio | 13.4995% | 4,654 |
| Memoranda: | ||
| Average total assets | $94,658,500 | 4,564 |
| Average earning assets | $89,091,000 | 4,522 |
| Average equity | $10,803,500 | 4,540 |
| Average total loans | $41,546,500 | 4,950 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 2,448 |
| Cost of funding earning assets | 0.3329% | 3,874 |
| Net interest margin | 3.9002% | 2,030 |
| Noninterest income to average assets | 0.6239% | 2,596 |
| Noninterest expense to average assets | 2.8171% | 3,161 |
| Loan and lease loss provision to assets | 0.0208% | 3,976 |
| Net operating income to assets | 1.4413% | 963 |
| Return on assets (ROA) | 1.4444% | 992 |
| Pretax return on assets | 1.4444% | 1,744 |
| Return on Equity (ROE) | 13.6094% | 931 |
| Retained earnings to average equity (ytd only) | 13.6094% | 178 |
| Net charge-offs to loans | 0.0123% | 4,055 |
| Credit loss provision to net charge-offs | 400.0000% | 761 |
| Earnings coverage of net charge-offs (x) | 281.2000% | 257 |
| Efficiency ratio | 65.8323% | 3,930 |
| Assets per employee ($millions) | 3.4363% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 5,145 |
| Loan loss allowance to noncurrent loans | 408.8889% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 5,242 |
| Noncurrent loans to loans | 0.2160% | 4,645 |
| Net loans and leases to total assets | 42.9299% | 5,354 |
| Net loans and leases to deposits | 49.7417% | 5,407 |
| Net loans and leases to core deposits | 53.2110% | 5,357 |
| Total domestic deposits to total assets | 86.3057% | 2,490 |
| Equity capital to assets | 11.5315% | 2,332 |
| Core capital (leverage) ratio | 11.3828% | 2,056 |
| Tier 1 risk-based capital ratio | 14.6349% | 3,360 |
| Total risk-based capital ratio | 15.1551% | 3,696 |
| Memoranda: | ||
| Average total assets | $96,164,200 | 4,533 |
| Average earning assets | $90,123,600 | 4,500 |
| Average equity | $10,206,200 | 4,619 |
| Average total loans | $40,557,200 | 4,986 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 2,489 |
| Cost of funding earning assets | 0.3545% | 3,701 |
| Net interest margin | 3.8745% | 2,114 |
| Noninterest income to average assets | 0.5131% | 3,278 |
| Noninterest expense to average assets | 2.9536% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1967% | 1,661 |
| Return on assets (ROA) | 1.2022% | 1,710 |
| Pretax return on assets | 1.2022% | 2,812 |
| Return on Equity (ROE) | 11.5782% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.5782% | 407 |
| Net charge-offs to loans | 0.0132% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 215.8799% | 333 |
| Efficiency ratio | 71.1661% | 3,018 |
| Assets per employee ($millions) | 3.3268% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 5,446 |
| Loan loss allowance to noncurrent loans | 212.1951% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 3,982 |
| Noncurrent loans to loans | 0.3903% | 4,216 |
| Net loans and leases to total assets | 46.3918% | 5,204 |
| Net loans and leases to deposits | 58.2844% | 4,978 |
| Net loans and leases to core deposits | 66.4503% | 4,657 |
| Total domestic deposits to total assets | 79.5957% | 4,835 |
| Equity capital to assets | 11.6094% | 2,413 |
| Core capital (leverage) ratio | 10.7303% | 2,788 |
| Tier 1 risk-based capital ratio | 13.8547% | 3,933 |
| Total risk-based capital ratio | 14.3451% | 4,296 |
| Memoranda: | ||
| Average total assets | $96,151,500 | 4,589 |
| Average earning assets | $90,264,250 | 4,551 |
| Average equity | $9,984,000 | 4,725 |
| Average total loans | $40,278,250 | 5,050 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 2,952 |
| Cost of funding earning assets | 0.3844% | 3,434 |
| Net interest margin | 3.7002% | 2,706 |
| Noninterest income to average assets | 0.4926% | 3,431 |
| Noninterest expense to average assets | 2.9554% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0055% | 2,367 |
| Return on assets (ROA) | 1.0136% | 2,433 |
| Pretax return on assets | 1.0136% | 3,531 |
| Return on Equity (ROE) | 10.1261% | 2,014 |
| Retained earnings to average equity (ytd only) | 10.1261% | 640 |
| Net charge-offs to loans | 0.0101% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 282 |
| Efficiency ratio | 74.6146% | 2,591 |
| Assets per employee ($millions) | 3.5160% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 5,412 |
| Loan loss allowance to noncurrent loans | 208.3333% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 4,268 |
| Noncurrent loans to loans | 0.4161% | 4,228 |
| Net loans and leases to total assets | 42.1639% | 5,493 |
| Net loans and leases to deposits | 48.2643% | 5,581 |
| Net loans and leases to core deposits | 57.0527% | 5,249 |
| Total domestic deposits to total assets | 87.3604% | 1,985 |
| Equity capital to assets | 10.3295% | 3,651 |
| Core capital (leverage) ratio | 9.6239% | 4,108 |
| Tier 1 risk-based capital ratio | 13.0684% | 4,478 |
| Total risk-based capital ratio | 13.5536% | 4,837 |
| Memoranda: | ||
| Average total assets | $98,260,670 | 4,584 |
| Average earning assets | $92,102,330 | 4,554 |
| Average equity | $9,836,000 | 4,775 |
| Average total loans | $39,698,000 | 5,127 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,153 |
| Cost of funding earning assets | 0.3910% | 3,399 |
| Net interest margin | 3.6305% | 2,891 |
| Noninterest income to average assets | 0.4924% | 3,332 |
| Noninterest expense to average assets | 3.1103% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7646% | 3,455 |
| Return on assets (ROA) | 0.7806% | 3,490 |
| Pretax return on assets | 0.7806% | 4,312 |
| Return on Equity (ROE) | 7.9180% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.9180% | 1,596 |
| Net charge-offs to loans | 0.0305% | 2,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 63.6667% | 700 |
| Efficiency ratio | 80.2686% | 1,870 |
| Assets per employee ($millions) | 3.4884% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 5,377 |
| Loan loss allowance to noncurrent loans | 358.1633% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 4,722 |
| Noncurrent loans to loans | 0.2567% | 4,865 |
| Net loans and leases to total assets | 37.3835% | 5,758 |
| Net loans and leases to deposits | 42.4885% | 5,811 |
| Net loans and leases to core deposits | 51.8786% | 5,497 |
| Total domestic deposits to total assets | 87.9850% | 1,833 |
| Equity capital to assets | 9.9096% | 4,256 |
| Core capital (leverage) ratio | 8.7395% | 5,277 |
| Tier 1 risk-based capital ratio | 15.9000% | 2,969 |
| Total risk-based capital ratio | 16.5093% | 3,211 |
| Memoranda: | ||
| Average total assets | $99,925,000 | 4,592 |
| Average earning assets | $93,101,000 | 4,571 |
| Average equity | $9,851,000 | 4,814 |
| Average total loans | $39,358,500 | 5,161 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,663 |
| Cost of funding earning assets | 0.4077% | 3,607 |
| Net interest margin | 3.8771% | 2,329 |
| Noninterest income to average assets | 0.5349% | 3,272 |
| Noninterest expense to average assets | 3.2672% | 2,018 |
| Loan and lease loss provision to assets | 0.0126% | 4,364 |
| Net operating income to assets | 0.8097% | 3,327 |
| Return on assets (ROA) | 0.8508% | 3,211 |
| Pretax return on assets | 0.8508% | 4,072 |
| Return on Equity (ROE) | 8.9866% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.0968% | 988 |
| Net charge-offs to loans | 0.0663% | 3,534 |
| Credit loss provision to net charge-offs | 48.0000% | 3,527 |
| Earnings coverage of net charge-offs (x) | 31.2400% | 1,297 |
| Efficiency ratio | 79.8919% | 1,948 |
| Assets per employee ($millions) | 3.5245% | 4,860 |
| Cash dividends to net income (ytd only)* | 9.9010% | 4,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 5,552 |
| Loan loss allowance to noncurrent loans | 426.5060% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 4,214 |
| Noncurrent loans to loans | 0.2047% | 5,085 |
| Net loans and leases to total assets | 40.7286% | 5,699 |
| Net loans and leases to deposits | 46.2355% | 5,786 |
| Net loans and leases to core deposits | 50.8257% | 5,676 |
| Total domestic deposits to total assets | 88.0894% | 1,726 |
| Equity capital to assets | 9.8059% | 4,346 |
| Core capital (leverage) ratio | 9.7493% | 3,905 |
| Tier 1 risk-based capital ratio | 12.6223% | 4,961 |
| Total risk-based capital ratio | 13.1208% | 5,355 |
| Memoranda: | ||
| Average total assets | $94,975,000 | 4,725 |
| Average earning assets | $87,075,000 | 4,715 |
| Average equity | $8,991,200 | 4,977 |
| Average total loans | $37,695,200 | 5,271 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 2,699 |
| Cost of funding earning assets | 0.4150% | 3,629 |
| Net interest margin | 3.8681% | 2,359 |
| Noninterest income to average assets | 0.5543% | 3,175 |
| Noninterest expense to average assets | 3.1700% | 2,264 |
| Loan and lease loss provision to assets | 0.0170% | 4,073 |
| Net operating income to assets | 0.9087% | 2,875 |
| Return on assets (ROA) | 0.9187% | 2,921 |
| Pretax return on assets | 0.9187% | 3,909 |
| Return on Equity (ROE) | 9.7960% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.4936% | 840 |
| Net charge-offs to loans | 0.0793% | 3,067 |
| Credit loss provision to net charge-offs | 54.5455% | 3,035 |
| Earnings coverage of net charge-offs (x) | 29.6843% | 1,381 |
| Efficiency ratio | 77.3970% | 2,287 |
| Assets per employee ($millions) | 3.2368% | 5,358 |
| Cash dividends to net income (ytd only)* | 3.0869% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 5,654 |
| Loan loss allowance to noncurrent loans | 1,148.3871% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 4,232 |
| Noncurrent loans to loans | 0.0768% | 5,715 |
| Net loans and leases to total assets | 44.1256% | 5,513 |
| Net loans and leases to deposits | 50.7584% | 5,597 |
| Net loans and leases to core deposits | 59.3312% | 5,238 |
| Total domestic deposits to total assets | 86.9326% | 2,356 |
| Equity capital to assets | 10.5671% | 3,474 |
| Core capital (leverage) ratio | 9.6396% | 4,170 |
| Tier 1 risk-based capital ratio | 12.8244% | 4,961 |
| Total risk-based capital ratio | 13.3395% | 5,351 |
| Memoranda: | ||
| Average total assets | $94,047,500 | 4,795 |
| Average earning assets | $86,103,750 | 4,785 |
| Average equity | $8,819,750 | 5,058 |
| Average total loans | $36,982,250 | 5,345 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 3,082 |
| Cost of funding earning assets | 0.4112% | 3,758 |
| Net interest margin | 3.7535% | 2,744 |
| Noninterest income to average assets | 0.5463% | 3,158 |
| Noninterest expense to average assets | 3.1265% | 2,406 |
| Loan and lease loss provision to assets | 0.0252% | 3,776 |
| Net operating income to assets | 0.8278% | 3,187 |
| Return on assets (ROA) | 0.8278% | 3,285 |
| Pretax return on assets | 0.8278% | 4,166 |
| Return on Equity (ROE) | 9.1977% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.7308% | 1,067 |
| Net charge-offs to loans | 0.1450% | 2,223 |
| Credit loss provision to net charge-offs | 46.1538% | 2,846 |
| Earnings coverage of net charge-offs (x) | 15.6154% | 1,837 |
| Efficiency ratio | 78.5639% | 2,218 |
| Assets per employee ($millions) | 3.3389% | 5,176 |
| Cash dividends to net income (ytd only)* | 5.0761% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 5,466 |
| Loan loss allowance to noncurrent loans | 464.4737% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 4,468 |
| Noncurrent loans to loans | 0.2096% | 5,389 |
| Net loans and leases to total assets | 38.4052% | 5,932 |
| Net loans and leases to deposits | 43.6976% | 6,000 |
| Net loans and leases to core deposits | 52.7224% | 5,628 |
| Total domestic deposits to total assets | 87.8885% | 1,970 |
| Equity capital to assets | 9.7454% | 4,434 |
| Core capital (leverage) ratio | 9.0410% | 4,958 |
| Tier 1 risk-based capital ratio | 13.0813% | 4,868 |
| Total risk-based capital ratio | 13.6176% | 5,241 |
| Memoranda: | ||
| Average total assets | $95,186,670 | 4,790 |
| Average earning assets | $87,065,000 | 4,795 |
| Average equity | $8,567,330 | 5,143 |
| Average total loans | $35,860,670 | 5,427 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 3,018 |
| Cost of funding earning assets | 0.3963% | 4,018 |
| Net interest margin | 3.7672% | 2,608 |
| Noninterest income to average assets | 0.5123% | 3,314 |
| Noninterest expense to average assets | 3.0739% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8830% | 2,727 |
| Return on assets (ROA) | 0.8830% | 2,795 |
| Pretax return on assets | 0.8830% | 3,762 |
| Return on Equity (ROE) | 10.2224% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.2580% | 1,173 |
| Net charge-offs to loans | 0.1009% | 2,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 23.5556% | 1,213 |
| Efficiency ratio | 77.6842% | 2,518 |
| Assets per employee ($millions) | 3.4802% | 4,963 |
| Cash dividends to net income (ytd only)* | 9.4340% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,280 |
| Loan loss allowance to noncurrent loans | 650.9091% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 4,630 |
| Noncurrent loans to loans | 0.1632% | 5,597 |
| Net loans and leases to total assets | 34.2272% | 6,170 |
| Net loans and leases to deposits | 38.4672% | 6,227 |
| Net loans and leases to core deposits | 46.8336% | 5,946 |
| Total domestic deposits to total assets | 88.9775% | 1,679 |
| Equity capital to assets | 8.8059% | 5,330 |
| Core capital (leverage) ratio | 8.3861% | 5,758 |
| Tier 1 risk-based capital ratio | 12.9276% | 5,039 |
| Total risk-based capital ratio | 13.4767% | 5,423 |
| Memoranda: | ||
| Average total assets | $96,035,000 | 4,818 |
| Average earning assets | $87,810,500 | 4,828 |
| Average equity | $8,295,500 | 5,218 |
| Average total loans | $35,662,000 | 5,474 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,598 |
| Cost of funding earning assets | 0.4207% | 4,427 |
| Net interest margin | 3.9769% | 2,016 |
| Noninterest income to average assets | 0.6238% | 2,953 |
| Noninterest expense to average assets | 3.5185% | 1,611 |
| Loan and lease loss provision to assets | -0.0424% | 6,359 |
| Net operating income to assets | 0.8191% | 3,192 |
| Return on assets (ROA) | 0.8191% | 3,289 |
| Pretax return on assets | 0.8191% | 4,078 |
| Return on Equity (ROE) | 9.2956% | 2,417 |
| Retained earnings to average equity (ytd only) | 8.7890% | 821 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9174% | 1,888 |
| Assets per employee ($millions) | 3.3794% | 5,138 |
| Cash dividends to net income (ytd only)* | 5.4496% | 4,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 5,681 |
| Loan loss allowance to noncurrent loans | 284.4961% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 4,066 |
| Noncurrent loans to loans | 0.3430% | 5,160 |
| Net loans and leases to total assets | 39.3621% | 6,008 |
| Net loans and leases to deposits | 44.0463% | 6,118 |
| Net loans and leases to core deposits | 48.3425% | 6,013 |
| Total domestic deposits to total assets | 89.3653% | 1,405 |
| Equity capital to assets | 8.4651% | 5,621 |
| Core capital (leverage) ratio | 9.2547% | 4,626 |
| Tier 1 risk-based capital ratio | 12.5108% | 5,284 |
| Total risk-based capital ratio | 13.0683% | 5,661 |
| Memoranda: | ||
| Average total assets | $89,612,600 | 4,988 |
| Average earning assets | $82,727,400 | 4,959 |
| Average equity | $7,896,200 | 5,365 |
| Average total loans | $37,802,000 | 5,435 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 2,579 |
| Cost of funding earning assets | 0.4346% | 4,456 |
| Net interest margin | 3.9704% | 2,044 |
| Noninterest income to average assets | 0.6473% | 2,897 |
| Noninterest expense to average assets | 3.5551% | 1,483 |
| Loan and lease loss provision to assets | -0.0573% | 6,560 |
| Net operating income to assets | 0.8299% | 3,196 |
| Return on assets (ROA) | 0.8299% | 3,317 |
| Pretax return on assets | 0.8299% | 4,186 |
| Return on Equity (ROE) | 9.3206% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.6426% | 1,174 |
| Net charge-offs to loans | -0.0705% | 6,409 |
| Credit loss provision to net charge-offs | 190.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1478% | 1,806 |
| Assets per employee ($millions) | 3.1501% | 5,583 |
| Cash dividends to net income (ytd only)* | 7.2724% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 5,859 |
| Loan loss allowance to noncurrent loans | 2,144.4444% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 4,371 |
| Noncurrent loans to loans | 0.0451% | 6,208 |
| Net loans and leases to total assets | 44.8051% | 5,646 |
| Net loans and leases to deposits | 50.6641% | 5,790 |
| Net loans and leases to core deposits | 58.3711% | 5,423 |
| Total domestic deposits to total assets | 88.4356% | 1,871 |
| Equity capital to assets | 8.9057% | 5,296 |
| Core capital (leverage) ratio | 9.2368% | 4,777 |
| Tier 1 risk-based capital ratio | 12.5706% | 5,414 |
| Total risk-based capital ratio | 13.1732% | 5,767 |
| Memoranda: | ||
| Average total assets | $88,359,750 | 5,067 |
| Average earning assets | $81,904,750 | 5,031 |
| Average equity | $7,867,750 | 5,426 |
| Average total loans | $37,849,250 | 5,483 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 2,945 |
| Cost of funding earning assets | 0.4454% | 4,481 |
| Net interest margin | 3.8567% | 2,351 |
| Noninterest income to average assets | 0.6130% | 3,111 |
| Noninterest expense to average assets | 3.5877% | 1,437 |
| Loan and lease loss provision to assets | -0.0905% | 6,697 |
| Net operating income to assets | 0.6809% | 3,899 |
| Return on assets (ROA) | 0.6809% | 4,068 |
| Pretax return on assets | 0.6809% | 4,743 |
| Return on Equity (ROE) | 7.6474% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.1392% | 1,824 |
| Net charge-offs to loans | -0.2099% | 6,679 |
| Credit loss provision to net charge-offs | 102.5641% | 2,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8690% | 1,423 |
| Assets per employee ($millions) | 3.1066% | 5,666 |
| Cash dividends to net income (ytd only)* | 6.6445% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 5,499 |
| Loan loss allowance to noncurrent loans | 306.0606% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 4,123 |
| Noncurrent loans to loans | 0.3547% | 5,393 |
| Net loans and leases to total assets | 42.3183% | 5,877 |
| Net loans and leases to deposits | 47.5699% | 6,009 |
| Net loans and leases to core deposits | 55.7143% | 5,621 |
| Total domestic deposits to total assets | 88.9603% | 1,651 |
| Equity capital to assets | 8.4680% | 5,800 |
| Core capital (leverage) ratio | 8.6214% | 5,529 |
| Tier 1 risk-based capital ratio | 12.5160% | 5,484 |
| Total risk-based capital ratio | 13.1623% | 5,795 |
| Memoranda: | ||
| Average total assets | $88,412,330 | 5,093 |
| Average earning assets | $81,727,670 | 5,063 |
| Average equity | $7,872,000 | 5,461 |
| Average total loans | $37,164,000 | 5,533 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,188 |
| Cost of funding earning assets | 0.4390% | 4,711 |
| Net interest margin | 3.7901% | 2,485 |
| Noninterest income to average assets | 0.6014% | 3,131 |
| Noninterest expense to average assets | 3.4378% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6508% | 3,962 |
| Return on assets (ROA) | 0.6508% | 4,117 |
| Pretax return on assets | 0.6508% | 4,776 |
| Return on Equity (ROE) | 7.1385% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.1385% | 2,093 |
| Net charge-offs to loans | 0.0431% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 852 |
| Efficiency ratio | 84.0834% | 1,755 |
| Assets per employee ($millions) | 3.2967% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,460 |
| Loan loss allowance to noncurrent loans | 234.5029% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 4,026 |
| Noncurrent loans to loans | 0.4845% | 5,214 |
| Net loans and leases to total assets | 37.8017% | 6,161 |
| Net loans and leases to deposits | 42.5708% | 6,287 |
| Net loans and leases to core deposits | 50.7542% | 5,914 |
| Total domestic deposits to total assets | 88.7973% | 1,798 |
| Equity capital to assets | 8.8302% | 5,688 |
| Core capital (leverage) ratio | 8.0956% | 6,049 |
| Tier 1 risk-based capital ratio | 15.8004% | 3,373 |
| Total risk-based capital ratio | 16.6245% | 3,562 |
| Memoranda: | ||
| Average total assets | $89,125,500 | 5,120 |
| Average earning assets | $82,004,000 | 5,087 |
| Average equity | $8,125,000 | 5,453 |
| Average total loans | $37,138,500 | 5,573 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 1,408 |
| Cost of funding earning assets | 0.5447% | 4,862 |
| Net interest margin | 4.5127% | 921 |
| Noninterest income to average assets | 0.6665% | 2,902 |
| Noninterest expense to average assets | 3.6822% | 1,448 |
| Loan and lease loss provision to assets | 0.0124% | 5,756 |
| Net operating income to assets | 1.0437% | 2,152 |
| Return on assets (ROA) | 1.1120% | 2,074 |
| Pretax return on assets | 1.1120% | 3,115 |
| Return on Equity (ROE) | 10.7656% | 1,882 |
| Retained earnings to average equity (ytd only) | -7.9300% | 6,569 |
| Net charge-offs to loans | 0.0277% | 5,513 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | 77.3636% | 494 |
| Efficiency ratio | 77.7108% | 2,494 |
| Assets per employee ($millions) | 3.0694% | 5,903 |
| Cash dividends to net income (ytd only)* | 173.6607% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 5,830 |
| Loan loss allowance to noncurrent loans | 239.0533% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 3,814 |
| Noncurrent loans to loans | 0.4335% | 5,414 |
| Net loans and leases to total assets | 44.8879% | 5,740 |
| Net loans and leases to deposits | 50.9496% | 5,891 |
| Net loans and leases to core deposits | 55.0297% | 5,789 |
| Total domestic deposits to total assets | 88.1026% | 2,166 |
| Equity capital to assets | 9.4237% | 4,969 |
| Core capital (leverage) ratio | 9.2164% | 4,551 |
| Tier 1 risk-based capital ratio | 12.4218% | 5,528 |
| Total risk-based capital ratio | 13.0872% | 5,848 |
| Memoranda: | ||
| Average total assets | $80,576,000 | 5,340 |
| Average earning assets | $72,705,600 | 5,348 |
| Average equity | $8,322,800 | 5,414 |
| Average total loans | $39,684,600 | 5,522 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 1,403 |
| Cost of funding earning assets | 0.5701% | 4,910 |
| Net interest margin | 4.5424% | 916 |
| Noninterest income to average assets | 0.6697% | 2,873 |
| Noninterest expense to average assets | 3.7592% | 1,276 |
| Loan and lease loss provision to assets | 0.0168% | 5,597 |
| Net operating income to assets | 0.9827% | 2,598 |
| Return on assets (ROA) | 1.0753% | 2,390 |
| Pretax return on assets | 1.0753% | 3,444 |
| Return on Equity (ROE) | 10.1683% | 2,269 |
| Retained earnings to average equity (ytd only) | -0.2706% | 6,135 |
| Net charge-offs to loans | 0.0368% | 5,134 |
| Credit loss provision to net charge-offs | 90.9091% | 3,267 |
| Earnings coverage of net charge-offs (x) | 53.9864% | 716 |
| Efficiency ratio | 78.9958% | 2,237 |
| Assets per employee ($millions) | 2.8871% | 6,236 |
| Cash dividends to net income (ytd only)* | 102.6597% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 6,104 |
| Loan loss allowance to noncurrent loans | 20,250.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 4,118 |
| Noncurrent loans to loans | 0.0049% | 6,678 |
| Net loans and leases to total assets | 51.6568% | 5,090 |
| Net loans and leases to deposits | 60.2294% | 5,179 |
| Net loans and leases to core deposits | 68.0669% | 4,718 |
| Total domestic deposits to total assets | 85.7667% | 3,379 |
| Equity capital to assets | 11.0762% | 3,184 |
| Core capital (leverage) ratio | 10.3010% | 3,165 |
| Tier 1 risk-based capital ratio | 13.8468% | 4,658 |
| Total risk-based capital ratio | 14.5320% | 4,998 |
| Memoranda: | ||
| Average total assets | $79,234,250 | 5,430 |
| Average earning assets | $71,325,500 | 5,450 |
| Average equity | $8,378,750 | 5,448 |
| Average total loans | $39,860,250 | 5,579 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 1,573 |
| Cost of funding earning assets | 0.5910% | 4,976 |
| Net interest margin | 4.4868% | 1,019 |
| Noninterest income to average assets | 0.6477% | 2,966 |
| Noninterest expense to average assets | 3.6906% | 1,390 |
| Loan and lease loss provision to assets | 0.0251% | 5,353 |
| Net operating income to assets | 0.9540% | 2,645 |
| Return on assets (ROA) | 1.0921% | 2,297 |
| Pretax return on assets | 1.0921% | 3,332 |
| Return on Equity (ROE) | 10.4899% | 2,176 |
| Retained earnings to average equity (ytd only) | -5.3294% | 6,639 |
| Net charge-offs to loans | -0.0051% | 6,165 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0323% | 2,319 |
| Assets per employee ($millions) | 2.7271% | 6,503 |
| Cash dividends to net income (ytd only)* | 150.8046% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 4,007 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 49.5102% | 5,421 |
| Net loans and leases to deposits | 57.6419% | 5,490 |
| Net loans and leases to core deposits | 68.0423% | 4,778 |
| Total domestic deposits to total assets | 85.8928% | 3,407 |
| Equity capital to assets | 10.9353% | 3,188 |
| Core capital (leverage) ratio | 9.8891% | 3,591 |
| Tier 1 risk-based capital ratio | 14.4392% | 4,147 |
| Total risk-based capital ratio | 15.1901% | 4,465 |
| Memoranda: | ||
| Average total assets | $79,662,000 | 5,443 |
| Average earning assets | $71,409,000 | 5,480 |
| Average equity | $8,293,670 | 5,481 |
| Average total loans | $39,589,670 | 5,623 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9288% | 2,142 |
| Cost of funding earning assets | 0.5976% | 5,153 |
| Net interest margin | 4.3312% | 1,375 |
| Noninterest income to average assets | 0.5706% | 3,419 |
| Noninterest expense to average assets | 3.6058% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8510% | 3,155 |
| Return on assets (ROA) | 0.8510% | 3,393 |
| Pretax return on assets | 0.8510% | 4,224 |
| Return on Equity (ROE) | 8.3721% | 3,111 |
| Retained earnings to average equity (ytd only) | -18.5349% | 7,027 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9051% | 2,091 |
| Assets per employee ($millions) | 2.8900% | 6,369 |
| Cash dividends to net income (ytd only)* | 321.3873% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,968 |
| Loan loss allowance to noncurrent loans | 964.2857% | 400 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 3,909 |
| Noncurrent loans to loans | 0.1120% | 6,477 |
| Net loans and leases to total assets | 45.8508% | 5,800 |
| Net loans and leases to deposits | 52.6240% | 5,935 |
| Net loans and leases to core deposits | 64.0341% | 5,109 |
| Total domestic deposits to total assets | 87.1291% | 2,882 |
| Equity capital to assets | 9.9952% | 4,128 |
| Core capital (leverage) ratio | 9.1676% | 4,572 |
| Tier 1 risk-based capital ratio | 13.3195% | 4,958 |
| Total risk-based capital ratio | 14.0093% | 5,370 |
| Memoranda: | ||
| Average total assets | $81,314,000 | 5,432 |
| Average earning assets | $72,959,500 | 5,466 |
| Average equity | $8,265,500 | 5,510 |
| Average total loans | $40,274,500 | 5,630 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 2,235 |
| Cost of funding earning assets | 0.6732% | 5,697 |
| Net interest margin | 4.4825% | 1,178 |
| Noninterest income to average assets | 0.5857% | 3,247 |
| Noninterest expense to average assets | 3.5605% | 1,831 |
| Loan and lease loss provision to assets | 0.1047% | 5,275 |
| Net operating income to assets | 1.0228% | 2,111 |
| Return on assets (ROA) | 1.0740% | 2,047 |
| Pretax return on assets | 1.0740% | 2,938 |
| Return on Equity (ROE) | 11.0957% | 1,668 |
| Retained earnings to average equity (ytd only) | 1.5222% | 5,130 |
| Net charge-offs to loans | 0.6333% | 2,560 |
| Credit loss provision to net charge-offs | 31.6176% | 5,756 |
| Earnings coverage of net charge-offs (x) | 3.4044% | 3,535 |
| Efficiency ratio | 75.9481% | 2,896 |
| Assets per employee ($millions) | 2.9182% | 6,255 |
| Cash dividends to net income (ytd only)* | 86.2812% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 6,433 |
| Loan loss allowance to noncurrent loans | 1,836.3636% | 254 |
| Noncurrent assets plus other real estate owned to assets | 1.3573% | 3,972 |
| Noncurrent loans to loans | 0.0511% | 6,693 |
| Net loans and leases to total assets | 52.1827% | 5,289 |
| Net loans and leases to deposits | 60.0662% | 5,475 |
| Net loans and leases to core deposits | 63.4588% | 5,525 |
| Total domestic deposits to total assets | 86.8754% | 2,830 |
| Equity capital to assets | 10.3330% | 3,739 |
| Core capital (leverage) ratio | 10.3004% | 2,971 |
| Tier 1 risk-based capital ratio | 15.4793% | 3,338 |
| Total risk-based capital ratio | 16.2417% | 3,603 |
| Memoranda: | ||
| Average total assets | $82,123,800 | 5,400 |
| Average earning assets | $75,159,400 | 5,369 |
| Average equity | $7,949,000 | 5,586 |
| Average total loans | $42,947,000 | 5,565 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 2,681 |
| Cost of funding earning assets | 0.6884% | 5,836 |
| Net interest margin | 4.3961% | 1,418 |
| Noninterest income to average assets | 0.5902% | 3,231 |
| Noninterest expense to average assets | 3.5689% | 1,775 |
| Loan and lease loss provision to assets | 0.1394% | 4,697 |
| Net operating income to assets | 0.9307% | 2,614 |
| Return on assets (ROA) | 0.9956% | 2,490 |
| Pretax return on assets | 0.9956% | 3,423 |
| Return on Equity (ROE) | 10.4613% | 2,048 |
| Retained earnings to average equity (ytd only) | 0.0511% | 5,940 |
| Net charge-offs to loans | 0.8542% | 1,860 |
| Credit loss provision to net charge-offs | 31.2727% | 5,395 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,925 |
| Efficiency ratio | 76.9311% | 2,688 |
| Assets per employee ($millions) | 2.7571% | 6,566 |
| Cash dividends to net income (ytd only)* | 99.5114% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 6,637 |
| Loan loss allowance to noncurrent loans | 2,010.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 1.4758% | 3,909 |
| Noncurrent loans to loans | 0.0442% | 6,828 |
| Net loans and leases to total assets | 56.0351% | 4,835 |
| Net loans and leases to deposits | 76.0421% | 3,325 |
| Net loans and leases to core deposits | 87.1521% | 2,607 |
| Total domestic deposits to total assets | 73.6896% | 6,794 |
| Equity capital to assets | 10.2055% | 4,074 |
| Core capital (leverage) ratio | 10.2745% | 3,106 |
| Tier 1 risk-based capital ratio | 13.5021% | 4,731 |
| Total risk-based capital ratio | 14.1736% | 5,137 |
| Memoranda: | ||
| Average total assets | $82,227,500 | 5,428 |
| Average earning assets | $75,731,750 | 5,394 |
| Average equity | $7,825,500 | 5,653 |
| Average total loans | $42,923,250 | 5,610 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 3,292 |
| Cost of funding earning assets | 0.7065% | 5,922 |
| Net interest margin | 4.2678% | 1,776 |
| Noninterest income to average assets | 0.5712% | 3,325 |
| Noninterest expense to average assets | 3.4175% | 2,215 |
| Loan and lease loss provision to assets | 0.2049% | 3,878 |
| Net operating income to assets | 0.8797% | 2,735 |
| Return on assets (ROA) | 0.9761% | 2,431 |
| Pretax return on assets | 0.9761% | 3,330 |
| Return on Equity (ROE) | 10.5004% | 1,946 |
| Retained earnings to average equity (ytd only) | -3.8890% | 6,464 |
| Net charge-offs to loans | 1.3140% | 1,163 |
| Credit loss provision to net charge-offs | 30.6859% | 4,975 |
| Earnings coverage of net charge-offs (x) | 1.6245% | 4,074 |
| Efficiency ratio | 75.9101% | 3,027 |
| Assets per employee ($millions) | 2.6785% | 6,668 |
| Cash dividends to net income (ytd only)* | 137.0370% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,531 |
| Loan loss allowance to noncurrent loans | 266.0000% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 1.6852% | 3,657 |
| Noncurrent loans to loans | 0.3549% | 6,207 |
| Net loans and leases to total assets | 53.9001% | 5,308 |
| Net loans and leases to deposits | 63.6621% | 5,318 |
| Net loans and leases to core deposits | 73.8764% | 4,593 |
| Total domestic deposits to total assets | 84.6660% | 4,041 |
| Equity capital to assets | 10.1484% | 3,950 |
| Core capital (leverage) ratio | 10.0301% | 3,227 |
| Tier 1 risk-based capital ratio | 14.4612% | 3,816 |
| Total risk-based capital ratio | 15.1886% | 4,185 |
| Memoranda: | ||
| Average total assets | $82,984,330 | 5,458 |
| Average earning assets | $76,432,000 | 5,418 |
| Average equity | $7,714,000 | 5,699 |
| Average total loans | $42,162,330 | 5,698 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 3,901 |
| Cost of funding earning assets | 0.7034% | 6,114 |
| Net interest margin | 4.1292% | 2,158 |
| Noninterest income to average assets | 0.5792% | 3,316 |
| Noninterest expense to average assets | 3.3303% | 2,466 |
| Loan and lease loss provision to assets | 0.1448% | 4,196 |
| Net operating income to assets | 0.9155% | 2,491 |
| Return on assets (ROA) | 0.9669% | 2,355 |
| Pretax return on assets | 0.9669% | 3,259 |
| Return on Equity (ROE) | 10.8526% | 1,792 |
| Retained earnings to average equity (ytd only) | -15.3614% | 7,055 |
| Net charge-offs to loans | 0.4559% | 2,328 |
| Credit loss provision to net charge-offs | 64.5833% | 3,459 |
| Earnings coverage of net charge-offs (x) | 4.7292% | 2,407 |
| Efficiency ratio | 75.8511% | 3,182 |
| Assets per employee ($millions) | 2.9047% | 6,336 |
| Cash dividends to net income (ytd only)* | 241.5459% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 4,606 |
| Loan loss allowance to noncurrent loans | 85.0148% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.7939% | 3,584 |
| Noncurrent loans to loans | 1.6594% | 3,990 |
| Net loans and leases to total assets | 49.2346% | 5,934 |
| Net loans and leases to deposits | 59.3934% | 5,780 |
| Net loans and leases to core deposits | 70.5803% | 4,973 |
| Total domestic deposits to total assets | 82.8958% | 4,967 |
| Equity capital to assets | 9.2622% | 4,795 |
| Core capital (leverage) ratio | 9.1998% | 4,289 |
| Tier 1 risk-based capital ratio | 14.6883% | 3,620 |
| Total risk-based capital ratio | 15.7691% | 3,690 |
| Memoranda: | ||
| Average total assets | $85,638,000 | 5,418 |
| Average earning assets | $79,046,500 | 5,388 |
| Average equity | $7,629,500 | 5,732 |
| Average total loans | $42,110,000 | 5,750 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2010% | 3,604 |
| Cost of funding earning assets | 0.8381% | 6,406 |
| Net interest margin | 4.3630% | 1,608 |
| Noninterest income to average assets | 0.5849% | 3,563 |
| Noninterest expense to average assets | 3.3635% | 2,545 |
| Loan and lease loss provision to assets | 0.3479% | 4,043 |
| Net operating income to assets | 0.8149% | 2,733 |
| Return on assets (ROA) | 0.8276% | 2,823 |
| Pretax return on assets | 0.8276% | 3,539 |
| Return on Equity (ROE) | 9.6283% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.9841% | 1,827 |
| Net charge-offs to loans | 0.6408% | 3,097 |
| Credit loss provision to net charge-offs | 105.6140% | 4,241 |
| Earnings coverage of net charge-offs (x) | 3.5298% | 3,316 |
| Efficiency ratio | 74.3105% | 3,332 |
| Assets per employee ($millions) | 3.3313% | 5,357 |
| Cash dividends to net income (ytd only)* | 37.8492% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 4,721 |
| Loan loss allowance to noncurrent loans | 71.6364% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.8067% | 3,617 |
| Noncurrent loans to loans | 1.8920% | 3,695 |
| Net loans and leases to total assets | 47.8214% | 6,408 |
| Net loans and leases to deposits | 54.6384% | 6,558 |
| Net loans and leases to core deposits | 59.2001% | 6,457 |
| Total domestic deposits to total assets | 87.5235% | 2,533 |
| Equity capital to assets | 8.5897% | 5,736 |
| Core capital (leverage) ratio | 10.3474% | 2,725 |
| Tier 1 risk-based capital ratio | 14.9810% | 3,261 |
| Total risk-based capital ratio | 16.0768% | 3,312 |
| Memoranda: | ||
| Average total assets | $86,517,200 | 5,395 |
| Average earning assets | $78,157,400 | 5,405 |
| Average equity | $7,436,400 | 5,895 |
| Average total loans | $44,474,200 | 5,726 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 3,717 |
| Cost of funding earning assets | 0.8780% | 6,479 |
| Net interest margin | 4.3451% | 1,694 |
| Noninterest income to average assets | 0.5868% | 3,529 |
| Noninterest expense to average assets | 3.4430% | 2,175 |
| Loan and lease loss provision to assets | 0.2802% | 4,337 |
| Net operating income to assets | 0.7767% | 3,104 |
| Return on assets (ROA) | 0.7923% | 3,199 |
| Pretax return on assets | 0.7923% | 3,940 |
| Return on Equity (ROE) | 9.2158% | 2,422 |
| Retained earnings to average equity (ytd only) | 7.0250% | 1,831 |
| Net charge-offs to loans | 0.6981% | 2,672 |
| Credit loss provision to net charge-offs | 76.9231% | 5,225 |
| Earnings coverage of net charge-offs (x) | 2.9017% | 3,680 |
| Efficiency ratio | 76.5133% | 2,856 |
| Assets per employee ($millions) | 2.8836% | 6,415 |
| Cash dividends to net income (ytd only)* | 23.7722% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 5,922 |
| Loan loss allowance to noncurrent loans | 63.8480% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.0411% | 3,417 |
| Noncurrent loans to loans | 1.7286% | 4,053 |
| Net loans and leases to total assets | 57.8214% | 5,288 |
| Net loans and leases to deposits | 76.4088% | 4,102 |
| Net loans and leases to core deposits | 90.8551% | 2,978 |
| Total domestic deposits to total assets | 75.6738% | 6,708 |
| Equity capital to assets | 9.6024% | 4,690 |
| Core capital (leverage) ratio | 9.5958% | 3,771 |
| Tier 1 risk-based capital ratio | 14.3537% | 3,595 |
| Total risk-based capital ratio | 15.2856% | 3,778 |
| Memoranda: | ||
| Average total assets | $85,660,250 | 5,476 |
| Average earning assets | $77,141,750 | 5,510 |
| Average equity | $7,364,000 | 5,996 |
| Average total loans | $44,691,750 | 5,797 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 4,479 |
| Cost of funding earning assets | 0.8810% | 6,653 |
| Net interest margin | 4.2148% | 2,110 |
| Noninterest income to average assets | 0.5796% | 3,482 |
| Noninterest expense to average assets | 3.3631% | 2,364 |
| Loan and lease loss provision to assets | 0.3162% | 3,849 |
| Net operating income to assets | 0.6598% | 3,585 |
| Return on assets (ROA) | 0.6781% | 3,641 |
| Pretax return on assets | 0.6781% | 4,317 |
| Return on Equity (ROE) | 8.1832% | 2,813 |
| Retained earnings to average equity (ytd only) | 4.8380% | 2,989 |
| Net charge-offs to loans | 0.6932% | 2,485 |
| Credit loss provision to net charge-offs | 90.7895% | 4,401 |
| Earnings coverage of net charge-offs (x) | 2.8026% | 3,587 |
| Efficiency ratio | 77.5079% | 2,808 |
| Assets per employee ($millions) | 2.7791% | 6,615 |
| Cash dividends to net income (ytd only)* | 40.8784% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 5,071 |
| Loan loss allowance to noncurrent loans | 61.6484% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.0591% | 3,435 |
| Noncurrent loans to loans | 2.0647% | 3,637 |
| Net loans and leases to total assets | 50.5078% | 6,378 |
| Net loans and leases to deposits | 62.2002% | 6,216 |
| Net loans and leases to core deposits | 73.0812% | 5,547 |
| Total domestic deposits to total assets | 81.2020% | 5,330 |
| Equity capital to assets | 8.5673% | 6,069 |
| Core capital (leverage) ratio | 8.9727% | 4,650 |
| Tier 1 risk-based capital ratio | 14.6567% | 3,351 |
| Total risk-based capital ratio | 15.7094% | 3,433 |
| Memoranda: | ||
| Average total assets | $87,300,330 | 5,474 |
| Average earning assets | $77,869,330 | 5,511 |
| Average equity | $7,234,330 | 6,057 |
| Average total loans | $43,853,670 | 5,872 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 4,466 |
| Cost of funding earning assets | 0.8990% | 6,774 |
| Net interest margin | 4.2142% | 1,981 |
| Noninterest income to average assets | 0.5417% | 3,711 |
| Noninterest expense to average assets | 3.3184% | 2,470 |
| Loan and lease loss provision to assets | 0.1639% | 4,887 |
| Net operating income to assets | 0.7511% | 3,205 |
| Return on assets (ROA) | 0.7875% | 3,141 |
| Pretax return on assets | 0.7875% | 3,923 |
| Return on Equity (ROE) | 9.6635% | 2,218 |
| Retained earnings to average equity (ytd only) | 2.9046% | 4,390 |
| Net charge-offs to loans | 0.4755% | 2,629 |
| Credit loss provision to net charge-offs | 69.2308% | 4,117 |
| Earnings coverage of net charge-offs (x) | 3.8654% | 2,762 |
| Efficiency ratio | 78.3871% | 2,835 |
| Assets per employee ($millions) | 3.0375% | 6,131 |
| Cash dividends to net income (ytd only)* | 69.9422% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,741 |
| Loan loss allowance to noncurrent loans | 41.3027% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.7768% | 2,621 |
| Noncurrent loans to loans | 3.2420% | 2,466 |
| Net loans and leases to total assets | 46.6743% | 6,778 |
| Net loans and leases to deposits | 53.2434% | 6,969 |
| Net loans and leases to core deposits | 63.9329% | 6,457 |
| Total domestic deposits to total assets | 87.6622% | 2,257 |
| Equity capital to assets | 8.1726% | 6,467 |
| Core capital (leverage) ratio | 8.6856% | 5,045 |
| Tier 1 risk-based capital ratio | 14.4021% | 3,438 |
| Total risk-based capital ratio | 15.4473% | 3,510 |
| Memoranda: | ||
| Average total assets | $87,874,000 | 5,516 |
| Average earning assets | $76,978,500 | 5,603 |
| Average equity | $7,161,000 | 6,129 |
| Average total loans | $43,743,000 | 5,946 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 4,777 |
| Cost of funding earning assets | 1.1090% | 6,945 |
| Net interest margin | 4.2729% | 1,808 |
| Noninterest income to average assets | 0.6182% | 3,503 |
| Noninterest expense to average assets | 3.4540% | 2,516 |
| Loan and lease loss provision to assets | 0.6412% | 3,235 |
| Net operating income to assets | 0.4198% | 4,050 |
| Return on assets (ROA) | 0.4222% | 4,143 |
| Pretax return on assets | 0.4222% | 4,427 |
| Return on Equity (ROE) | 5.2324% | 3,569 |
| Retained earnings to average equity (ytd only) | 0.8546% | 4,424 |
| Net charge-offs to loans | 1.5896% | 1,586 |
| Credit loss provision to net charge-offs | 68.1234% | 6,523 |
| Earnings coverage of net charge-offs (x) | 1.1272% | 4,990 |
| Efficiency ratio | 76.5005% | 3,436 |
| Assets per employee ($millions) | 3.0228% | 6,164 |
| Cash dividends to net income (ytd only)* | 83.6676% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 5,023 |
| Loan loss allowance to noncurrent loans | 52.9466% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.5165% | 2,776 |
| Noncurrent loans to loans | 2.3705% | 3,204 |
| Net loans and leases to total assets | 51.6068% | 6,466 |
| Net loans and leases to deposits | 58.8069% | 6,721 |
| Net loans and leases to core deposits | 69.8187% | 6,786 |
| Total domestic deposits to total assets | 87.7562% | 2,091 |
| Equity capital to assets | 8.1256% | 6,433 |
| Core capital (leverage) ratio | 9.5345% | 3,678 |
| Tier 1 risk-based capital ratio | 13.4922% | 3,823 |
| Total risk-based capital ratio | 14.5084% | 3,923 |
| Memoranda: | ||
| Average total assets | $82,657,000 | 5,646 |
| Average earning assets | $75,381,600 | 5,622 |
| Average equity | $6,670,000 | 6,371 |
| Average total loans | $48,943,400 | 5,722 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2839% | 5,514 |
| Cost of funding earning assets | 1.1587% | 7,007 |
| Net interest margin | 4.1251% | 2,305 |
| Noninterest income to average assets | 0.6338% | 3,466 |
| Noninterest expense to average assets | 3.4509% | 2,415 |
| Loan and lease loss provision to assets | 0.4946% | 3,427 |
| Net operating income to assets | 0.5192% | 3,902 |
| Return on assets (ROA) | 0.5225% | 3,981 |
| Pretax return on assets | 0.5225% | 4,447 |
| Return on Equity (ROE) | 6.4868% | 3,304 |
| Retained earnings to average equity (ytd only) | 0.5491% | 4,981 |
| Net charge-offs to loans | 0.9840% | 2,001 |
| Credit loss provision to net charge-offs | 82.2888% | 5,700 |
| Earnings coverage of net charge-offs (x) | 1.6866% | 4,532 |
| Efficiency ratio | 77.2927% | 3,274 |
| Assets per employee ($millions) | 2.6671% | 6,916 |
| Cash dividends to net income (ytd only)* | 91.5358% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 3,654 |
| Loan loss allowance to noncurrent loans | 21.1496% | 7,029 |
| Noncurrent assets plus other real estate owned to assets | 4.6168% | 1,307 |
| Noncurrent loans to loans | 6.8928% | 788 |
| Net loans and leases to total assets | 64.0379% | 4,865 |
| Net loans and leases to deposits | 84.6308% | 3,546 |
| Net loans and leases to core deposits | 113.2682% | 2,900 |
| Total domestic deposits to total assets | 75.6674% | 6,647 |
| Equity capital to assets | 8.8099% | 5,773 |
| Core capital (leverage) ratio | 9.6657% | 3,697 |
| Tier 1 risk-based capital ratio | 13.0775% | 4,137 |
| Total risk-based capital ratio | 14.3447% | 4,060 |
| Memoranda: | ||
| Average total assets | $81,406,000 | 5,718 |
| Average earning assets | $75,599,500 | 5,649 |
| Average equity | $6,556,750 | 6,461 |
| Average total loans | $49,725,750 | 5,738 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 6,276 |
| Cost of funding earning assets | 1.2168% | 7,053 |
| Net interest margin | 3.9268% | 2,990 |
| Noninterest income to average assets | 0.6303% | 3,466 |
| Noninterest expense to average assets | 3.4029% | 2,619 |
| Loan and lease loss provision to assets | 0.2858% | 4,292 |
| Net operating income to assets | 0.5838% | 3,752 |
| Return on assets (ROA) | 0.5863% | 3,845 |
| Pretax return on assets | 0.5863% | 4,359 |
| Return on Equity (ROE) | 7.5086% | 2,972 |
| Retained earnings to average equity (ytd only) | -0.9699% | 5,475 |
| Net charge-offs to loans | 0.0735% | 5,476 |
| Credit loss provision to net charge-offs | 650.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 19.7778% | 1,346 |
| Efficiency ratio | 79.6455% | 3,106 |
| Assets per employee ($millions) | 2.5454% | 7,158 |
| Cash dividends to net income (ytd only)* | 112.9167% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 1,855 |
| Loan loss allowance to noncurrent loans | 23.7275% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 5.0693% | 1,036 |
| Noncurrent loans to loans | 7.9030% | 561 |
| Net loans and leases to total assets | 61.2108% | 5,485 |
| Net loans and leases to deposits | 74.1010% | 5,436 |
| Net loans and leases to core deposits | 98.3847% | 4,663 |
| Total domestic deposits to total assets | 82.6046% | 4,420 |
| Equity capital to assets | 8.3023% | 6,327 |
| Core capital (leverage) ratio | 9.3850% | 4,050 |
| Tier 1 risk-based capital ratio | 13.2468% | 3,972 |
| Total risk-based capital ratio | 14.5016% | 3,884 |
| Memoranda: | ||
| Average total assets | $81,870,670 | 5,734 |
| Average earning assets | $75,939,330 | 5,674 |
| Average equity | $6,392,670 | 6,575 |
| Average total loans | $48,969,000 | 5,811 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9126% | 7,141 |
| Cost of funding earning assets | 1.3530% | 6,865 |
| Net interest margin | 3.5596% | 4,487 |
| Noninterest income to average assets | 0.5711% | 3,746 |
| Noninterest expense to average assets | 3.4216% | 2,295 |
| Loan and lease loss provision to assets | 0.3311% | 3,338 |
| Net operating income to assets | 0.1008% | 5,979 |
| Return on assets (ROA) | 0.1056% | 6,130 |
| Pretax return on assets | 0.1056% | 6,158 |
| Return on Equity (ROE) | 1.3938% | 6,011 |
| Retained earnings to average equity (ytd only) | -14.4452% | 7,406 |
| Net charge-offs to loans | 0.0983% | 4,192 |
| Credit loss provision to net charge-offs | 575.0000% | 981 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,335 |
| Efficiency ratio | 88.7920% | 1,825 |
| Assets per employee ($millions) | 2.6180% | 7,050 |
| Cash dividends to net income (ytd only)* | 1,136.3636% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 1,646 |
| Loan loss allowance to noncurrent loans | 22.9547% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 4.9803% | 907 |
| Noncurrent loans to loans | 8.2244% | 425 |
| Net loans and leases to total assets | 56.4140% | 6,177 |
| Net loans and leases to deposits | 64.5041% | 6,507 |
| Net loans and leases to core deposits | 89.0655% | 5,641 |
| Total domestic deposits to total assets | 87.4580% | 1,987 |
| Equity capital to assets | 7.7650% | 7,112 |
| Core capital (leverage) ratio | 8.6030% | 5,334 |
| Tier 1 risk-based capital ratio | 13.3226% | 3,983 |
| Total risk-based capital ratio | 14.5767% | 3,895 |
| Memoranda: | ||
| Average total assets | $83,353,000 | 5,690 |
| Average earning assets | $76,863,500 | 5,661 |
| Average equity | $6,313,500 | 6,657 |
| Average total loans | $48,842,500 | 5,848 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4192% | 3,315 |
| Cost of funding earning assets | 1.9469% | 6,582 |
| Net interest margin | 4.4723% | 1,484 |
| Noninterest income to average assets | 0.6936% | 3,155 |
| Noninterest expense to average assets | 3.4717% | 2,469 |
| Loan and lease loss provision to assets | 0.5021% | 2,803 |
| Net operating income to assets | 0.8287% | 3,319 |
| Return on assets (ROA) | 0.8422% | 3,088 |
| Pretax return on assets | 0.8422% | 3,922 |
| Return on Equity (ROE) | 11.0336% | 1,894 |
| Retained earnings to average equity (ytd only) | -1.1098% | 5,627 |
| Net charge-offs to loans | 0.7182% | 1,720 |
| Credit loss provision to net charge-offs | 112.0548% | 4,813 |
| Earnings coverage of net charge-offs (x) | 2.9699% | 4,604 |
| Efficiency ratio | 72.2904% | 3,882 |
| Assets per employee ($millions) | 2.7596% | 6,656 |
| Cash dividends to net income (ytd only)* | 110.0583% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 2,187 |
| Loan loss allowance to noncurrent loans | 42.1835% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 2.5390% | 1,909 |
| Noncurrent loans to loans | 3.8241% | 1,301 |
| Net loans and leases to total assets | 58.6765% | 6,109 |
| Net loans and leases to deposits | 66.5950% | 6,601 |
| Net loans and leases to core deposits | 82.5239% | 6,412 |
| Total domestic deposits to total assets | 88.1095% | 1,427 |
| Equity capital to assets | 7.3936% | 7,472 |
| Core capital (leverage) ratio | 9.4562% | 4,078 |
| Tier 1 risk-based capital ratio | 12.6098% | 4,359 |
| Total risk-based capital ratio | 13.8612% | 4,268 |
| Memoranda: | ||
| Average total assets | $81,457,600 | 5,646 |
| Average earning assets | $74,838,400 | 5,632 |
| Average equity | $6,217,400 | 6,730 |
| Average total loans | $50,820,200 | 5,669 |