Home > Coleman County State Bank > Performance and Condition Ratios
Coleman County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8610% | 759 |
| Cost of funding earning assets | 1.2325% | 2,720 |
| Net interest margin | 4.6286% | 509 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 3.6138% | 501 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.4358% | 1,148 |
| Return on assets (ROA) | 1.4358% | 1,118 |
| Pretax return on assets | 1.4358% | 1,559 |
| Return on Equity (ROE) | 18.1200% | 803 |
| Retained earnings to average equity (ytd only) | 1.5688% | 3,690 |
| Net charge-offs to loans | 0.0229% | 1,864 |
| Credit loss provision to net charge-offs | 748.1481% | 503 |
| Earnings coverage of net charge-offs (x) | 108.8519% | 865 |
| Efficiency ratio | 69.4139% | 1,968 |
| Assets per employee ($millions) | 4.4148% | 3,991 |
| Cash dividends to net income (ytd only)* | 91.3409% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,290 |
| Loan loss allowance to noncurrent loans | 508.9069% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 2,714 |
| Noncurrent loans to loans | 0.1970% | 2,525 |
| Net loans and leases to total assets | 62.4900% | 2,629 |
| Net loans and leases to deposits | 68.6893% | 2,977 |
| Net loans and leases to core deposits | 73.6559% | 3,092 |
| Total domestic deposits to total assets | 90.9800% | 507 |
| Equity capital to assets | 8.1222% | 3,339 |
| Core capital (leverage) ratio | 9.6987% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2672% | 1,455 |
| Memoranda: | ||
| Average total assets | $190,632,000 | 3,048 |
| Average earning assets | $178,262,200 | 3,024 |
| Average equity | $15,106,800 | 3,257 |
| Average total loans | $118,038,600 | 2,975 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7114% | 775 |
| Cost of funding earning assets | 1.0917% | 2,765 |
| Net interest margin | 4.6197% | 511 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 3.5230% | 540 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.5671% | 988 |
| Return on assets (ROA) | 1.5671% | 982 |
| Pretax return on assets | 1.5671% | 1,420 |
| Return on Equity (ROE) | 19.9100% | 732 |
| Retained earnings to average equity (ytd only) | 1.4995% | 3,844 |
| Net charge-offs to loans | 0.0287% | 1,501 |
| Credit loss provision to net charge-offs | 612.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 94.8000% | 944 |
| Efficiency ratio | 67.0112% | 2,144 |
| Assets per employee ($millions) | 4.6295% | 3,861 |
| Cash dividends to net income (ytd only)* | 92.4673% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,245 |
| Loan loss allowance to noncurrent loans | 213.4039% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 1,840 |
| Noncurrent loans to loans | 0.4789% | 1,625 |
| Net loans and leases to total assets | 60.2700% | 2,817 |
| Net loans and leases to deposits | 65.9656% | 3,128 |
| Net loans and leases to core deposits | 70.2626% | 3,199 |
| Total domestic deposits to total assets | 91.3600% | 591 |
| Equity capital to assets | 7.7130% | 3,233 |
| Core capital (leverage) ratio | 9.7646% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7875% | 1,373 |
| Memoranda: | ||
| Average total assets | $188,623,500 | 3,073 |
| Average earning assets | $176,111,000 | 3,046 |
| Average equity | $14,849,500 | 3,273 |
| Average total loans | $116,197,250 | 3,001 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5961% | 736 |
| Cost of funding earning assets | 0.8913% | 2,951 |
| Net interest margin | 4.7047% | 456 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 3.5364% | 519 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.5652% | 996 |
| Return on assets (ROA) | 1.5652% | 993 |
| Pretax return on assets | 1.5652% | 1,473 |
| Return on Equity (ROE) | 19.7400% | 737 |
| Retained earnings to average equity (ytd only) | 2.1756% | 3,679 |
| Net charge-offs to loans | 0.0260% | 1,361 |
| Credit loss provision to net charge-offs | 860.0000% | 452 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 903 |
| Efficiency ratio | 66.6939% | 2,156 |
| Assets per employee ($millions) | 4.4514% | 3,979 |
| Cash dividends to net income (ytd only)* | 88.9802% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,364 |
| Loan loss allowance to noncurrent loans | 372.5857% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,354 |
| Noncurrent loans to loans | 0.2725% | 2,178 |
| Net loans and leases to total assets | 62.3700% | 2,542 |
| Net loans and leases to deposits | 68.5495% | 2,894 |
| Net loans and leases to core deposits | 72.0100% | 3,014 |
| Total domestic deposits to total assets | 90.9900% | 652 |
| Equity capital to assets | 8.0221% | 3,201 |
| Core capital (leverage) ratio | 10.2535% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7561% | 1,369 |
| Memoranda: | ||
| Average total assets | $186,685,000 | 3,092 |
| Average earning assets | $174,122,667 | 3,074 |
| Average equity | $14,800,333 | 3,293 |
| Average total loans | $115,465,000 | 3,001 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4412% | 674 |
| Cost of funding earning assets | 0.6069% | 3,361 |
| Net interest margin | 4.8344% | 352 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 3.5187% | 524 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.6296% | 933 |
| Return on assets (ROA) | 1.6296% | 931 |
| Pretax return on assets | 1.6296% | 1,399 |
| Return on Equity (ROE) | 20.6800% | 686 |
| Retained earnings to average equity (ytd only) | 4.3533% | 3,168 |
| Net charge-offs to loans | 0.0560% | 812 |
| Credit loss provision to net charge-offs | 406.2500% | 604 |
| Earnings coverage of net charge-offs (x) | 51.5625% | 1,096 |
| Efficiency ratio | 65.6529% | 2,248 |
| Assets per employee ($millions) | 4.2835% | 4,135 |
| Cash dividends to net income (ytd only)* | 78.9474% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 3,633 |
| Loan loss allowance to noncurrent loans | 702.4845% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 2,947 |
| Noncurrent loans to loans | 0.1382% | 2,805 |
| Net loans and leases to total assets | 61.2300% | 2,538 |
| Net loans and leases to deposits | 69.8254% | 2,626 |
| Net loans and leases to core deposits | 72.4746% | 2,784 |
| Total domestic deposits to total assets | 87.6900% | 2,026 |
| Equity capital to assets | 7.9523% | 3,270 |
| Core capital (leverage) ratio | 10.1376% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0278% | 1,363 |
| Memoranda: | ||
| Average total assets | $186,548,500 | 3,125 |
| Average earning assets | $174,004,500 | 3,108 |
| Average equity | $14,701,500 | 3,333 |
| Average total loans | $114,293,000 | 3,044 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 829 |
| Cost of funding earning assets | 0.1926% | 3,820 |
| Net interest margin | 4.2390% | 488 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 3.5130% | 484 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4310% | 1,046 |
| Return on assets (ROA) | 1.4310% | 1,012 |
| Pretax return on assets | 1.4310% | 1,685 |
| Return on Equity (ROE) | 18.0500% | 697 |
| Retained earnings to average equity (ytd only) | 3.3365% | 3,616 |
| Net charge-offs to loans | 0.0330% | 1,413 |
| Credit loss provision to net charge-offs | 142.8571% | 1,335 |
| Earnings coverage of net charge-offs (x) | 78.5429% | 1,095 |
| Efficiency ratio | 69.9627% | 1,685 |
| Assets per employee ($millions) | 4.6156% | 3,959 |
| Cash dividends to net income (ytd only)* | 81.5117% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,536 |
| Loan loss allowance to noncurrent loans | 554.8718% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 2,786 |
| Noncurrent loans to loans | 0.1740% | 2,611 |
| Net loans and leases to total assets | 60.1100% | 2,621 |
| Net loans and leases to deposits | 65.8952% | 2,899 |
| Net loans and leases to core deposits | 68.0843% | 3,006 |
| Total domestic deposits to total assets | 91.2200% | 866 |
| Equity capital to assets | 7.8078% | 3,181 |
| Core capital (leverage) ratio | 9.8109% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3147% | 1,291 |
| Memoranda: | ||
| Average total assets | $188,612,600 | 3,116 |
| Average earning assets | $178,628,600 | 3,075 |
| Average equity | $14,956,000 | 3,372 |
| Average total loans | $106,081,800 | 3,071 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 998 |
| Cost of funding earning assets | 0.1583% | 3,747 |
| Net interest margin | 3.9758% | 671 |
| Noninterest income to average assets | 1.0200% | 639 |
| Noninterest expense to average assets | 3.3774% | 534 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.3853% | 1,130 |
| Return on assets (ROA) | 1.3853% | 1,099 |
| Pretax return on assets | 1.3853% | 1,761 |
| Return on Equity (ROE) | 17.4000% | 726 |
| Retained earnings to average equity (ytd only) | 3.2689% | 3,707 |
| Net charge-offs to loans | 0.0204% | 1,426 |
| Credit loss provision to net charge-offs | 312.5000% | 793 |
| Earnings coverage of net charge-offs (x) | 126.2500% | 824 |
| Efficiency ratio | 70.3943% | 1,711 |
| Assets per employee ($millions) | 4.6646% | 3,933 |
| Cash dividends to net income (ytd only)* | 81.2183% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,391 |
| Loan loss allowance to noncurrent loans | 516.9014% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,874 |
| Noncurrent loans to loans | 0.1969% | 2,618 |
| Net loans and leases to total assets | 54.6600% | 3,034 |
| Net loans and leases to deposits | 59.0098% | 3,279 |
| Net loans and leases to core deposits | 60.7991% | 3,324 |
| Total domestic deposits to total assets | 92.6400% | 674 |
| Equity capital to assets | 7.3257% | 3,315 |
| Core capital (leverage) ratio | 9.2554% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4615% | 1,294 |
| Memoranda: | ||
| Average total assets | $189,609,750 | 3,132 |
| Average earning assets | $180,253,000 | 3,085 |
| Average equity | $15,091,250 | 3,399 |
| Average total loans | $104,587,750 | 3,102 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 1,122 |
| Cost of funding earning assets | 0.1457% | 3,629 |
| Net interest margin | 3.7483% | 840 |
| Noninterest income to average assets | 1.1146% | 543 |
| Noninterest expense to average assets | 3.3897% | 484 |
| Loan and lease loss provision to assets | 0.0427% | 1,802 |
| Net operating income to assets | 1.2490% | 1,280 |
| Return on assets (ROA) | 1.2490% | 1,266 |
| Pretax return on assets | 1.2490% | 1,903 |
| Return on Equity (ROE) | 15.2696% | 841 |
| Retained earnings to average equity (ytd only) | 0.9258% | 4,011 |
| Net charge-offs to loans | 0.0251% | 1,221 |
| Credit loss provision to net charge-offs | 307.6923% | 795 |
| Earnings coverage of net charge-offs (x) | 93.1538% | 854 |
| Efficiency ratio | 72.4083% | 1,697 |
| Assets per employee ($millions) | 4.8727% | 3,794 |
| Cash dividends to net income (ytd only)* | 93.9368% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,567 |
| Loan loss allowance to noncurrent loans | 310.7955% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 2,474 |
| Noncurrent loans to loans | 0.3239% | 2,180 |
| Net loans and leases to total assets | 53.8557% | 2,975 |
| Net loans and leases to deposits | 58.2581% | 3,201 |
| Net loans and leases to core deposits | 59.9066% | 3,275 |
| Total domestic deposits to total assets | 92.4433% | 673 |
| Equity capital to assets | 7.5267% | 3,454 |
| Core capital (leverage) ratio | 9.7139% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1342% | 1,407 |
| Memoranda: | ||
| Average total assets | $187,508,333 | 3,179 |
| Average earning assets | $178,428,667 | 3,142 |
| Average equity | $15,337,667 | 3,469 |
| Average total loans | $103,385,333 | 3,142 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 1,185 |
| Cost of funding earning assets | 0.1552% | 3,430 |
| Net interest margin | 3.5903% | 911 |
| Noninterest income to average assets | 1.0586% | 614 |
| Noninterest expense to average assets | 3.4405% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0365% | 1,738 |
| Return on assets (ROA) | 1.0365% | 1,731 |
| Pretax return on assets | 1.0365% | 2,334 |
| Return on Equity (ROE) | 12.1384% | 1,268 |
| Retained earnings to average equity (ytd only) | -0.7748% | 4,119 |
| Net charge-offs to loans | 0.0119% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 156.6667% | 518 |
| Efficiency ratio | 76.8473% | 1,430 |
| Assets per employee ($millions) | 4.4852% | 4,143 |
| Cash dividends to net income (ytd only)* | 106.3830% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,537 |
| Loan loss allowance to noncurrent loans | 554.1667% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 3,080 |
| Noncurrent loans to loans | 0.1891% | 2,871 |
| Net loans and leases to total assets | 54.6358% | 2,673 |
| Net loans and leases to deposits | 60.0913% | 2,902 |
| Net loans and leases to core deposits | 61.5381% | 3,014 |
| Total domestic deposits to total assets | 90.9214% | 1,073 |
| Equity capital to assets | 9.0552% | 2,663 |
| Core capital (leverage) ratio | 10.0024% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4145% | 1,164 |
| Memoranda: | ||
| Average total assets | $181,371,500 | 3,240 |
| Average earning assets | $172,688,500 | 3,203 |
| Average equity | $15,488,000 | 3,518 |
| Average total loans | $100,734,000 | 3,175 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 573 |
| Cost of funding earning assets | 0.1782% | 3,683 |
| Net interest margin | 4.3556% | 365 |
| Noninterest income to average assets | 1.6454% | 418 |
| Noninterest expense to average assets | 3.6870% | 391 |
| Loan and lease loss provision to assets | 0.0427% | 2,198 |
| Net operating income to assets | 2.0727% | 301 |
| Return on assets (ROA) | 2.0727% | 314 |
| Pretax return on assets | 2.0727% | 529 |
| Return on Equity (ROE) | 24.2000% | 141 |
| Retained earnings to average equity (ytd only) | 11.1747% | 674 |
| Net charge-offs to loans | 0.0020% | 2,571 |
| Credit loss provision to net charge-offs | 3,500.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 1,735.0000% | 84 |
| Efficiency ratio | 63.5428% | 2,634 |
| Assets per employee ($millions) | 4.3622% | 4,222 |
| Cash dividends to net income (ytd only)* | 53.8235% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,487 |
| Loan loss allowance to noncurrent loans | 567.5532% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 3,196 |
| Noncurrent loans to loans | 0.1881% | 3,007 |
| Net loans and leases to total assets | 55.2785% | 2,704 |
| Net loans and leases to deposits | 60.1193% | 3,060 |
| Net loans and leases to core deposits | 61.6865% | 3,194 |
| Total domestic deposits to total assets | 91.9480% | 194 |
| Equity capital to assets | 8.0090% | 4,357 |
| Core capital (leverage) ratio | 8.4182% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4189% | 2,076 |
| Memoranda: | ||
| Average total assets | $164,034,200 | 3,356 |
| Average earning assets | $156,556,600 | 3,313 |
| Average equity | $14,049,600 | 3,741 |
| Average total loans | $100,525,800 | 3,190 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7833% | 425 |
| Cost of funding earning assets | 0.1829% | 3,781 |
| Net interest margin | 4.6004% | 265 |
| Noninterest income to average assets | 1.8029% | 395 |
| Noninterest expense to average assets | 3.4802% | 470 |
| Loan and lease loss provision to assets | 0.0580% | 1,827 |
| Net operating income to assets | 2.6561% | 179 |
| Return on assets (ROA) | 2.6561% | 184 |
| Pretax return on assets | 2.6561% | 264 |
| Return on Equity (ROE) | 30.4596% | 86 |
| Retained earnings to average equity (ytd only) | 13.0078% | 636 |
| Net charge-offs to loans | 0.0026% | 2,265 |
| Credit loss provision to net charge-offs | 3,500.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 1,632.0000% | 89 |
| Efficiency ratio | 56.1820% | 3,507 |
| Assets per employee ($millions) | 4.2946% | 4,270 |
| Cash dividends to net income (ytd only)* | 57.2949% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,686 |
| Loan loss allowance to noncurrent loans | 558.6387% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 3,370 |
| Noncurrent loans to loans | 0.1872% | 3,198 |
| Net loans and leases to total assets | 58.7724% | 2,399 |
| Net loans and leases to deposits | 64.2638% | 2,820 |
| Net loans and leases to core deposits | 66.1354% | 2,941 |
| Total domestic deposits to total assets | 91.4549% | 245 |
| Equity capital to assets | 8.4991% | 4,213 |
| Core capital (leverage) ratio | 8.6798% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3132% | 2,258 |
| Memoranda: | ||
| Average total assets | $160,330,500 | 3,426 |
| Average earning assets | $153,055,250 | 3,379 |
| Average equity | $13,981,000 | 3,793 |
| Average total loans | $100,674,250 | 3,228 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 262 |
| Cost of funding earning assets | 0.1872% | 3,876 |
| Net interest margin | 5.0041% | 166 |
| Noninterest income to average assets | 1.8171% | 384 |
| Noninterest expense to average assets | 3.4732% | 481 |
| Loan and lease loss provision to assets | 0.0767% | 1,558 |
| Net operating income to assets | 3.0489% | 122 |
| Return on assets (ROA) | 3.0489% | 128 |
| Pretax return on assets | 3.0489% | 181 |
| Return on Equity (ROE) | 34.6433% | 66 |
| Retained earnings to average equity (ytd only) | 15.3325% | 394 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6336% | 3,973 |
| Assets per employee ($millions) | 4.3011% | 4,253 |
| Cash dividends to net income (ytd only)* | 55.7418% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,709 |
| Loan loss allowance to noncurrent loans | 13,237.5000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,290 |
| Noncurrent loans to loans | 0.0078% | 4,204 |
| Net loans and leases to total assets | 62.1422% | 2,164 |
| Net loans and leases to deposits | 68.0826% | 2,607 |
| Net loans and leases to core deposits | 69.9473% | 2,789 |
| Total domestic deposits to total assets | 91.2746% | 290 |
| Equity capital to assets | 8.6905% | 4,055 |
| Core capital (leverage) ratio | 8.8003% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4784% | 2,177 |
| Memoranda: | ||
| Average total assets | $156,513,000 | 3,465 |
| Average earning assets | $149,556,333 | 3,424 |
| Average equity | $13,774,667 | 3,814 |
| Average total loans | $100,223,000 | 3,249 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 440 |
| Cost of funding earning assets | 0.1947% | 3,959 |
| Net interest margin | 4.6668% | 277 |
| Noninterest income to average assets | 1.6465% | 520 |
| Noninterest expense to average assets | 3.5571% | 433 |
| Loan and lease loss provision to assets | 0.1045% | 1,305 |
| Net operating income to assets | 2.4332% | 293 |
| Return on assets (ROA) | 2.4332% | 317 |
| Pretax return on assets | 2.4332% | 496 |
| Return on Equity (ROE) | 27.4631% | 192 |
| Retained earnings to average equity (ytd only) | 12.7139% | 977 |
| Net charge-offs to loans | -0.0202% | 4,005 |
| Credit loss provision to net charge-offs | -800.0000% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3619% | 3,250 |
| Assets per employee ($millions) | 4.1860% | 4,354 |
| Cash dividends to net income (ytd only)* | 53.7057% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,695 |
| Loan loss allowance to noncurrent loans | 1,740.0000% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,103 |
| Noncurrent loans to loans | 0.0597% | 3,988 |
| Net loans and leases to total assets | 62.5328% | 2,231 |
| Net loans and leases to deposits | 68.4680% | 2,652 |
| Net loans and leases to core deposits | 70.0955% | 2,853 |
| Total domestic deposits to total assets | 91.3313% | 286 |
| Equity capital to assets | 8.6178% | 4,031 |
| Core capital (leverage) ratio | 8.9896% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3985% | 2,120 |
| Memoranda: | ||
| Average total assets | $153,048,000 | 3,499 |
| Average earning assets | $145,880,000 | 3,461 |
| Average equity | $13,560,000 | 3,839 |
| Average total loans | $99,021,500 | 3,273 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 531 |
| Cost of funding earning assets | 0.2648% | 4,319 |
| Net interest margin | 4.6928% | 219 |
| Noninterest income to average assets | 1.3312% | 654 |
| Noninterest expense to average assets | 3.6189% | 585 |
| Loan and lease loss provision to assets | 0.0794% | 3,383 |
| Net operating income to assets | 2.1231% | 208 |
| Return on assets (ROA) | 2.1231% | 225 |
| Pretax return on assets | 2.1231% | 350 |
| Return on Equity (ROE) | 22.6394% | 144 |
| Retained earnings to average equity (ytd only) | 7.2437% | 1,302 |
| Net charge-offs to loans | 0.0093% | 2,983 |
| Credit loss provision to net charge-offs | 1,222.2222% | 672 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 317 |
| Efficiency ratio | 62.1652% | 3,096 |
| Assets per employee ($millions) | 3.9738% | 4,397 |
| Cash dividends to net income (ytd only)* | 68.0041% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,784 |
| Loan loss allowance to noncurrent loans | 1,314.4737% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,083 |
| Noncurrent loans to loans | 0.0779% | 3,982 |
| Net loans and leases to total assets | 65.6544% | 2,138 |
| Net loans and leases to deposits | 72.2840% | 2,655 |
| Net loans and leases to core deposits | 74.1554% | 2,900 |
| Total domestic deposits to total assets | 90.8283% | 267 |
| Equity capital to assets | 9.1220% | 3,953 |
| Core capital (leverage) ratio | 8.8481% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4236% | 2,075 |
| Memoranda: | ||
| Average total assets | $138,522,400 | 3,529 |
| Average earning assets | $132,544,800 | 3,476 |
| Average equity | $12,990,600 | 3,864 |
| Average total loans | $96,401,200 | 3,289 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 443 |
| Cost of funding earning assets | 0.2825% | 4,379 |
| Net interest margin | 4.8848% | 171 |
| Noninterest income to average assets | 1.3480% | 604 |
| Noninterest expense to average assets | 3.4712% | 732 |
| Loan and lease loss provision to assets | 0.1078% | 2,974 |
| Net operating income to assets | 2.4682% | 150 |
| Return on assets (ROA) | 2.4682% | 158 |
| Pretax return on assets | 2.4682% | 223 |
| Return on Equity (ROE) | 26.1274% | 102 |
| Retained earnings to average equity (ytd only) | 10.6062% | 655 |
| Net charge-offs to loans | 0.0125% | 2,658 |
| Credit loss provision to net charge-offs | 1,222.2222% | 722 |
| Earnings coverage of net charge-offs (x) | 292.7778% | 365 |
| Efficiency ratio | 57.4038% | 3,749 |
| Assets per employee ($millions) | 3.9787% | 4,332 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,743 |
| Loan loss allowance to noncurrent loans | 6,660.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,454 |
| Noncurrent loans to loans | 0.0149% | 4,382 |
| Net loans and leases to total assets | 67.8119% | 2,273 |
| Net loans and leases to deposits | 74.6958% | 2,892 |
| Net loans and leases to core deposits | 76.4772% | 3,129 |
| Total domestic deposits to total assets | 90.7841% | 214 |
| Equity capital to assets | 9.1636% | 3,986 |
| Core capital (leverage) ratio | 9.0187% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7566% | 1,570 |
| Memoranda: | ||
| Average total assets | $136,395,750 | 3,549 |
| Average earning assets | $131,206,750 | 3,483 |
| Average equity | $12,885,250 | 3,881 |
| Average total loans | $96,119,000 | 3,303 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5788% | 290 |
| Cost of funding earning assets | 0.3073% | 4,453 |
| Net interest margin | 5.2715% | 123 |
| Noninterest income to average assets | 1.3254% | 588 |
| Noninterest expense to average assets | 3.5786% | 677 |
| Loan and lease loss provision to assets | 0.1356% | 2,660 |
| Net operating income to assets | 2.6749% | 112 |
| Return on assets (ROA) | 2.6749% | 118 |
| Pretax return on assets | 2.6749% | 162 |
| Return on Equity (ROE) | 28.0045% | 78 |
| Retained earnings to average equity (ytd only) | 11.4478% | 542 |
| Net charge-offs to loans | 0.0169% | 2,388 |
| Credit loss provision to net charge-offs | 1,125.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 233.2500% | 390 |
| Efficiency ratio | 56.0113% | 3,943 |
| Assets per employee ($millions) | 3.9276% | 4,376 |
| Cash dividends to net income (ytd only)* | 59.1216% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,741 |
| Loan loss allowance to noncurrent loans | 468.8995% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 3,800 |
| Noncurrent loans to loans | 0.2057% | 3,648 |
| Net loans and leases to total assets | 69.2520% | 2,149 |
| Net loans and leases to deposits | 76.1888% | 2,840 |
| Net loans and leases to core deposits | 78.0241% | 3,102 |
| Total domestic deposits to total assets | 90.8953% | 172 |
| Equity capital to assets | 9.0634% | 4,030 |
| Core capital (leverage) ratio | 9.3514% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3642% | 1,672 |
| Memoranda: | ||
| Average total assets | $132,790,000 | 3,564 |
| Average earning assets | $127,553,333 | 3,505 |
| Average equity | $12,683,667 | 3,909 |
| Average total loans | $94,549,667 | 3,322 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 520 |
| Cost of funding earning assets | 0.3663% | 4,470 |
| Net interest margin | 4.9635% | 210 |
| Noninterest income to average assets | 1.3404% | 499 |
| Noninterest expense to average assets | 3.8506% | 584 |
| Loan and lease loss provision to assets | 0.1581% | 1,825 |
| Net operating income to assets | 2.0865% | 231 |
| Return on assets (ROA) | 2.0865% | 253 |
| Pretax return on assets | 2.0865% | 381 |
| Return on Equity (ROE) | 21.2219% | 130 |
| Retained earnings to average equity (ytd only) | 6.7524% | 1,625 |
| Net charge-offs to loans | 0.0439% | 1,591 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 722 |
| Efficiency ratio | 63.1743% | 3,345 |
| Assets per employee ($millions) | 3.5594% | 4,428 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,524 |
| Loan loss allowance to noncurrent loans | 4,690.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,564 |
| Noncurrent loans to loans | 0.0220% | 4,483 |
| Net loans and leases to total assets | 70.0762% | 2,242 |
| Net loans and leases to deposits | 77.7850% | 2,909 |
| Net loans and leases to core deposits | 79.9307% | 3,202 |
| Total domestic deposits to total assets | 90.0897% | 291 |
| Equity capital to assets | 9.8698% | 3,906 |
| Core capital (leverage) ratio | 9.7837% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1478% | 1,865 |
| Memoranda: | ||
| Average total assets | $126,525,000 | 3,623 |
| Average earning assets | $121,205,500 | 3,565 |
| Average equity | $12,440,000 | 3,954 |
| Average total loans | $91,016,000 | 3,374 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6886% | 411 |
| Cost of funding earning assets | 0.3908% | 4,472 |
| Net interest margin | 5.2978% | 154 |
| Noninterest income to average assets | 1.2696% | 585 |
| Noninterest expense to average assets | 4.0258% | 518 |
| Loan and lease loss provision to assets | 0.0419% | 3,173 |
| Net operating income to assets | 2.2576% | 198 |
| Return on assets (ROA) | 2.2576% | 211 |
| Pretax return on assets | 2.2576% | 342 |
| Return on Equity (ROE) | 22.9550% | 113 |
| Retained earnings to average equity (ytd only) | 8.0436% | 963 |
| Net charge-offs to loans | 0.0499% | 2,399 |
| Credit loss provision to net charge-offs | 113.6364% | 2,211 |
| Earnings coverage of net charge-offs (x) | 62.3636% | 960 |
| Efficiency ratio | 63.6460% | 3,126 |
| Assets per employee ($millions) | 3.4698% | 4,503 |
| Cash dividends to net income (ytd only)* | 64.9592% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 3,597 |
| Loan loss allowance to noncurrent loans | 341.4449% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 3,181 |
| Noncurrent loans to loans | 0.2881% | 3,407 |
| Net loans and leases to total assets | 72.3723% | 2,030 |
| Net loans and leases to deposits | 80.2886% | 2,744 |
| Net loans and leases to core deposits | 82.7522% | 3,065 |
| Total domestic deposits to total assets | 90.1402% | 279 |
| Equity capital to assets | 9.7934% | 4,106 |
| Core capital (leverage) ratio | 9.7706% | 3,764 |
| Tier 1 risk-based capital ratio | 13.8086% | 3,358 |
| Total risk-based capital ratio | 14.8263% | 3,383 |
| Memoranda: | ||
| Average total assets | $119,329,400 | 3,715 |
| Average earning assets | $113,877,000 | 3,651 |
| Average equity | $11,736,000 | 4,031 |
| Average total loans | $88,202,400 | 3,446 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7496% | 384 |
| Cost of funding earning assets | 0.3853% | 4,548 |
| Net interest margin | 5.3643% | 150 |
| Noninterest income to average assets | 1.2176% | 616 |
| Noninterest expense to average assets | 3.8212% | 637 |
| Loan and lease loss provision to assets | 0.0452% | 2,999 |
| Net operating income to assets | 2.4669% | 170 |
| Return on assets (ROA) | 2.4669% | 182 |
| Pretax return on assets | 2.4669% | 263 |
| Return on Equity (ROE) | 25.0544% | 92 |
| Retained earnings to average equity (ytd only) | 10.1274% | 723 |
| Net charge-offs to loans | 0.0778% | 1,713 |
| Credit loss provision to net charge-offs | 78.4314% | 2,523 |
| Earnings coverage of net charge-offs (x) | 43.5675% | 1,292 |
| Efficiency ratio | 60.3356% | 3,577 |
| Assets per employee ($millions) | 3.3869% | 4,606 |
| Cash dividends to net income (ytd only)* | 59.5784% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,454 |
| Loan loss allowance to noncurrent loans | 540.4908% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 4,060 |
| Noncurrent loans to loans | 0.1889% | 3,861 |
| Net loans and leases to total assets | 70.0287% | 2,474 |
| Net loans and leases to deposits | 77.8664% | 3,104 |
| Net loans and leases to core deposits | 80.3187% | 3,366 |
| Total domestic deposits to total assets | 89.9344% | 306 |
| Equity capital to assets | 9.9967% | 4,021 |
| Core capital (leverage) ratio | 10.1803% | 3,446 |
| Tier 1 risk-based capital ratio | 14.9019% | 2,900 |
| Total risk-based capital ratio | 15.9849% | 2,900 |
| Memoranda: | ||
| Average total assets | $117,934,000 | 3,773 |
| Average earning assets | $112,469,500 | 3,705 |
| Average equity | $11,611,750 | 4,085 |
| Average total loans | $87,428,250 | 3,503 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8257% | 326 |
| Cost of funding earning assets | 0.3833% | 4,570 |
| Net interest margin | 5.4424% | 141 |
| Noninterest income to average assets | 1.0463% | 790 |
| Noninterest expense to average assets | 3.8130% | 652 |
| Loan and lease loss provision to assets | 0.0515% | 2,784 |
| Net operating income to assets | 2.3687% | 184 |
| Return on assets (ROA) | 2.3687% | 190 |
| Pretax return on assets | 2.3687% | 305 |
| Return on Equity (ROE) | 24.1871% | 112 |
| Retained earnings to average equity (ytd only) | 9.3000% | 960 |
| Net charge-offs to loans | 0.0501% | 1,931 |
| Credit loss provision to net charge-offs | 136.3636% | 1,603 |
| Earnings coverage of net charge-offs (x) | 64.1364% | 949 |
| Efficiency ratio | 61.1723% | 3,561 |
| Assets per employee ($millions) | 3.5957% | 4,382 |
| Cash dividends to net income (ytd only)* | 61.5496% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,482 |
| Loan loss allowance to noncurrent loans | 562.5000% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 4,085 |
| Noncurrent loans to loans | 0.1821% | 3,907 |
| Net loans and leases to total assets | 73.3006% | 2,003 |
| Net loans and leases to deposits | 81.4597% | 2,793 |
| Net loans and leases to core deposits | 83.6792% | 3,137 |
| Total domestic deposits to total assets | 89.9838% | 338 |
| Equity capital to assets | 9.9648% | 4,000 |
| Core capital (leverage) ratio | 10.1065% | 3,495 |
| Tier 1 risk-based capital ratio | 13.9340% | 3,350 |
| Total risk-based capital ratio | 14.9993% | 3,348 |
| Memoranda: | ||
| Average total assets | $116,602,000 | 3,814 |
| Average earning assets | $111,128,000 | 3,756 |
| Average equity | $11,419,330 | 4,118 |
| Average total loans | $87,815,330 | 3,506 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7611% | 333 |
| Cost of funding earning assets | 0.3703% | 4,602 |
| Net interest margin | 5.3908% | 153 |
| Noninterest income to average assets | 0.6161% | 1,968 |
| Noninterest expense to average assets | 3.9178% | 590 |
| Loan and lease loss provision to assets | 0.1038% | 1,703 |
| Net operating income to assets | 1.7340% | 688 |
| Return on assets (ROA) | 1.7340% | 708 |
| Pretax return on assets | 1.7340% | 1,130 |
| Return on Equity (ROE) | 17.8657% | 412 |
| Retained earnings to average equity (ytd only) | 3.6017% | 3,479 |
| Net charge-offs to loans | 0.0957% | 1,176 |
| Credit loss provision to net charge-offs | 142.8571% | 1,276 |
| Earnings coverage of net charge-offs (x) | 25.2857% | 1,430 |
| Efficiency ratio | 68.0698% | 2,628 |
| Assets per employee ($millions) | 3.3191% | 4,726 |
| Cash dividends to net income (ytd only)* | 79.8403% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,669 |
| Loan loss allowance to noncurrent loans | 439.0244% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 3,933 |
| Noncurrent loans to loans | 0.2288% | 3,758 |
| Net loans and leases to total assets | 76.3377% | 1,425 |
| Net loans and leases to deposits | 84.5933% | 2,318 |
| Net loans and leases to core deposits | 87.3669% | 2,749 |
| Total domestic deposits to total assets | 90.2409% | 370 |
| Equity capital to assets | 9.7178% | 4,071 |
| Core capital (leverage) ratio | 9.9327% | 3,679 |
| Tier 1 risk-based capital ratio | 13.1915% | 3,780 |
| Total risk-based capital ratio | 14.2382% | 3,781 |
| Memoranda: | ||
| Average total assets | $115,574,000 | 3,868 |
| Average earning assets | $110,187,000 | 3,811 |
| Average equity | $11,217,000 | 4,165 |
| Average total loans | $87,784,500 | 3,543 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6382% | 305 |
| Cost of funding earning assets | 0.3229% | 4,451 |
| Net interest margin | 5.3153% | 156 |
| Noninterest income to average assets | 1.2975% | 555 |
| Noninterest expense to average assets | 4.1715% | 416 |
| Loan and lease loss provision to assets | 0.1463% | 1,456 |
| Net operating income to assets | 2.0373% | 332 |
| Return on assets (ROA) | 2.0373% | 329 |
| Pretax return on assets | 2.0373% | 516 |
| Return on Equity (ROE) | 20.2948% | 236 |
| Retained earnings to average equity (ytd only) | 3.4432% | 3,689 |
| Net charge-offs to loans | 0.0300% | 2,802 |
| Credit loss provision to net charge-offs | 615.3846% | 561 |
| Earnings coverage of net charge-offs (x) | 91.8462% | 784 |
| Efficiency ratio | 65.6403% | 2,927 |
| Assets per employee ($millions) | 3.2851% | 4,752 |
| Cash dividends to net income (ytd only)* | 83.0341% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,459 |
| Loan loss allowance to noncurrent loans | 324.3636% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,621 |
| Noncurrent loans to loans | 0.3198% | 3,401 |
| Net loans and leases to total assets | 74.0103% | 1,932 |
| Net loans and leases to deposits | 82.0125% | 2,729 |
| Net loans and leases to core deposits | 84.9551% | 3,005 |
| Total domestic deposits to total assets | 90.2427% | 398 |
| Equity capital to assets | 9.6930% | 3,958 |
| Core capital (leverage) ratio | 9.8242% | 3,771 |
| Tier 1 risk-based capital ratio | 13.4586% | 3,572 |
| Total risk-based capital ratio | 14.5265% | 3,558 |
| Memoranda: | ||
| Average total assets | $109,361,200 | 3,955 |
| Average earning assets | $104,058,000 | 3,917 |
| Average equity | $10,978,200 | 4,160 |
| Average total loans | $86,677,200 | 3,539 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 310 |
| Cost of funding earning assets | 0.3064% | 4,476 |
| Net interest margin | 5.2708% | 158 |
| Noninterest income to average assets | 1.3153% | 554 |
| Noninterest expense to average assets | 3.7557% | 703 |
| Loan and lease loss provision to assets | 0.1976% | 886 |
| Net operating income to assets | 2.3762% | 194 |
| Return on assets (ROA) | 2.3762% | 193 |
| Pretax return on assets | 2.3762% | 288 |
| Return on Equity (ROE) | 23.4560% | 115 |
| Retained earnings to average equity (ytd only) | 6.0835% | 2,617 |
| Net charge-offs to loans | 0.0322% | 2,445 |
| Credit loss provision to net charge-offs | 761.9048% | 506 |
| Earnings coverage of net charge-offs (x) | 99.2357% | 758 |
| Efficiency ratio | 59.3366% | 3,915 |
| Assets per employee ($millions) | 3.1326% | 4,938 |
| Cash dividends to net income (ytd only)* | 74.0643% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,652 |
| Loan loss allowance to noncurrent loans | 350.3906% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 2,719 |
| Noncurrent loans to loans | 0.2904% | 3,645 |
| Net loans and leases to total assets | 79.5960% | 1,078 |
| Net loans and leases to deposits | 88.7295% | 2,061 |
| Net loans and leases to core deposits | 92.0909% | 2,477 |
| Total domestic deposits to total assets | 89.7063% | 596 |
| Equity capital to assets | 10.2244% | 3,427 |
| Core capital (leverage) ratio | 10.3244% | 3,264 |
| Tier 1 risk-based capital ratio | 13.6719% | 3,530 |
| Total risk-based capital ratio | 14.7512% | 3,540 |
| Memoranda: | ||
| Average total assets | $107,956,500 | 4,015 |
| Average earning assets | $102,702,500 | 3,975 |
| Average equity | $10,936,500 | 4,204 |
| Average total loans | $86,849,250 | 3,566 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 345 |
| Cost of funding earning assets | 0.2955% | 4,447 |
| Net interest margin | 5.1643% | 182 |
| Noninterest income to average assets | 1.1695% | 703 |
| Noninterest expense to average assets | 3.7022% | 752 |
| Loan and lease loss provision to assets | 0.1862% | 958 |
| Net operating income to assets | 2.1956% | 259 |
| Return on assets (ROA) | 2.1956% | 251 |
| Pretax return on assets | 2.1956% | 390 |
| Return on Equity (ROE) | 21.7421% | 170 |
| Retained earnings to average equity (ytd only) | 3.7620% | 3,718 |
| Net charge-offs to loans | 0.0347% | 2,155 |
| Credit loss provision to net charge-offs | 666.6667% | 578 |
| Earnings coverage of net charge-offs (x) | 85.2667% | 789 |
| Efficiency ratio | 60.8509% | 3,789 |
| Assets per employee ($millions) | 3.4581% | 4,652 |
| Cash dividends to net income (ytd only)* | 82.6972% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 4,006 |
| Loan loss allowance to noncurrent loans | 834.6535% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 3,357 |
| Noncurrent loans to loans | 0.1163% | 4,386 |
| Net loans and leases to total assets | 77.7490% | 1,357 |
| Net loans and leases to deposits | 86.3279% | 2,277 |
| Net loans and leases to core deposits | 89.8043% | 2,587 |
| Total domestic deposits to total assets | 90.0624% | 551 |
| Equity capital to assets | 9.8861% | 3,733 |
| Core capital (leverage) ratio | 10.1261% | 3,453 |
| Tier 1 risk-based capital ratio | 13.1838% | 3,800 |
| Total risk-based capital ratio | 14.1880% | 3,849 |
| Memoranda: | ||
| Average total assets | $107,395,330 | 4,060 |
| Average earning assets | $102,200,670 | 4,013 |
| Average equity | $10,845,330 | 4,257 |
| Average total loans | $86,410,330 | 3,594 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 259 |
| Cost of funding earning assets | 0.2777% | 4,525 |
| Net interest margin | 5.2650% | 145 |
| Noninterest income to average assets | 0.8699% | 1,231 |
| Noninterest expense to average assets | 3.8123% | 662 |
| Loan and lease loss provision to assets | 0.1513% | 1,197 |
| Net operating income to assets | 1.9251% | 430 |
| Return on assets (ROA) | 1.9251% | 430 |
| Pretax return on assets | 1.9251% | 682 |
| Return on Equity (ROE) | 18.8553% | 329 |
| Retained earnings to average equity (ytd only) | 1.2595% | 4,556 |
| Net charge-offs to loans | 0.0603% | 1,502 |
| Credit loss provision to net charge-offs | 307.6923% | 801 |
| Earnings coverage of net charge-offs (x) | 42.2308% | 1,039 |
| Efficiency ratio | 64.7399% | 3,365 |
| Assets per employee ($millions) | 3.3328% | 4,861 |
| Cash dividends to net income (ytd only)* | 93.3202% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,251 |
| Loan loss allowance to noncurrent loans | 174.4444% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 2,258 |
| Noncurrent loans to loans | 0.5406% | 2,906 |
| Net loans and leases to total assets | 77.3211% | 1,339 |
| Net loans and leases to deposits | 86.0558% | 2,162 |
| Net loans and leases to core deposits | 88.9732% | 2,545 |
| Total domestic deposits to total assets | 89.8500% | 720 |
| Equity capital to assets | 10.1116% | 3,487 |
| Core capital (leverage) ratio | 10.3123% | 3,175 |
| Tier 1 risk-based capital ratio | 13.3615% | 3,741 |
| Total risk-based capital ratio | 14.3241% | 3,820 |
| Memoranda: | ||
| Average total assets | $105,763,000 | 4,125 |
| Average earning assets | $100,816,500 | 4,079 |
| Average equity | $10,798,000 | 4,308 |
| Average total loans | $86,175,500 | 3,626 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 355 |
| Cost of funding earning assets | 0.2364% | 4,675 |
| Net interest margin | 5.0768% | 208 |
| Noninterest income to average assets | 1.1597% | 764 |
| Noninterest expense to average assets | 3.7205% | 773 |
| Loan and lease loss provision to assets | 1.1342% | 85 |
| Net operating income to assets | 1.1248% | 1,770 |
| Return on assets (ROA) | 1.1248% | 1,801 |
| Pretax return on assets | 1.1248% | 3,089 |
| Return on Equity (ROE) | 11.0102% | 1,483 |
| Retained earnings to average equity (ytd only) | 0.4891% | 4,839 |
| Net charge-offs to loans | 2.0213% | 65 |
| Credit loss provision to net charge-offs | 66.7962% | 3,135 |
| Earnings coverage of net charge-offs (x) | 1.3304% | 3,903 |
| Efficiency ratio | 62.2201% | 3,902 |
| Assets per employee ($millions) | 3.2774% | 4,961 |
| Cash dividends to net income (ytd only)* | 95.5574% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 4,664 |
| Loan loss allowance to noncurrent loans | 533.8028% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 2,899 |
| Noncurrent loans to loans | 0.1594% | 4,292 |
| Net loans and leases to total assets | 84.2376% | 424 |
| Net loans and leases to deposits | 93.9880% | 1,275 |
| Net loans and leases to core deposits | 97.7830% | 1,873 |
| Total domestic deposits to total assets | 89.6258% | 721 |
| Equity capital to assets | 10.3093% | 3,379 |
| Core capital (leverage) ratio | 10.3675% | 2,996 |
| Tier 1 risk-based capital ratio | 12.8322% | 4,016 |
| Total risk-based capital ratio | 13.7276% | 4,120 |
| Memoranda: | ||
| Average total assets | $106,062,400 | 4,132 |
| Average earning assets | $100,694,200 | 4,086 |
| Average equity | $10,835,400 | 4,327 |
| Average total loans | $89,099,600 | 3,540 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 390 |
| Cost of funding earning assets | 0.2312% | 4,735 |
| Net interest margin | 5.0084% | 228 |
| Noninterest income to average assets | 1.1508% | 766 |
| Noninterest expense to average assets | 3.6241% | 838 |
| Loan and lease loss provision to assets | 1.5081% | 58 |
| Net operating income to assets | 0.7710% | 3,643 |
| Return on assets (ROA) | 0.7710% | 3,695 |
| Pretax return on assets | 0.7710% | 4,425 |
| Return on Equity (ROE) | 7.5635% | 3,364 |
| Retained earnings to average equity (ytd only) | 3.3821% | 3,913 |
| Net charge-offs to loans | 2.6876% | 52 |
| Credit loss provision to net charge-offs | 66.9822% | 2,724 |
| Earnings coverage of net charge-offs (x) | 1.0122% | 3,607 |
| Efficiency ratio | 61.3931% | 3,976 |
| Assets per employee ($millions) | 3.2056% | 5,054 |
| Cash dividends to net income (ytd only)* | 55.2843% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,649 |
| Loan loss allowance to noncurrent loans | 582.4427% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 3,126 |
| Noncurrent loans to loans | 0.1511% | 4,450 |
| Net loans and leases to total assets | 81.2524% | 797 |
| Net loans and leases to deposits | 90.8257% | 1,713 |
| Net loans and leases to core deposits | 94.2095% | 2,259 |
| Total domestic deposits to total assets | 89.4597% | 670 |
| Equity capital to assets | 10.4789% | 3,398 |
| Core capital (leverage) ratio | 10.5431% | 2,941 |
| Tier 1 risk-based capital ratio | 13.5997% | 3,638 |
| Total risk-based capital ratio | 14.5358% | 3,747 |
| Memoranda: | ||
| Average total assets | $106,359,000 | 4,173 |
| Average earning assets | $100,921,000 | 4,121 |
| Average equity | $10,841,250 | 4,372 |
| Average total loans | $89,098,750 | 3,577 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 442 |
| Cost of funding earning assets | 0.2093% | 4,895 |
| Net interest margin | 4.9250% | 253 |
| Noninterest income to average assets | 1.0587% | 899 |
| Noninterest expense to average assets | 3.5551% | 929 |
| Loan and lease loss provision to assets | 1.5373% | 64 |
| Net operating income to assets | 0.6476% | 4,096 |
| Return on assets (ROA) | 0.6476% | 4,146 |
| Pretax return on assets | 0.6476% | 4,693 |
| Return on Equity (ROE) | 6.4126% | 3,869 |
| Retained earnings to average equity (ytd only) | 0.0929% | 5,052 |
| Net charge-offs to loans | 2.2115% | 70 |
| Credit loss provision to net charge-offs | 82.3944% | 2,235 |
| Earnings coverage of net charge-offs (x) | 1.1710% | 3,314 |
| Efficiency ratio | 61.9359% | 3,994 |
| Assets per employee ($millions) | 3.5200% | 4,690 |
| Cash dividends to net income (ytd only)* | 98.5507% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,402 |
| Loan loss allowance to noncurrent loans | 78.1602% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.3847% | 1,139 |
| Noncurrent loans to loans | 1.6659% | 1,098 |
| Net loans and leases to total assets | 82.0374% | 661 |
| Net loans and leases to deposits | 91.1062% | 1,595 |
| Net loans and leases to core deposits | 94.3726% | 2,119 |
| Total domestic deposits to total assets | 90.0459% | 522 |
| Equity capital to assets | 9.9101% | 4,017 |
| Core capital (leverage) ratio | 10.2146% | 3,252 |
| Tier 1 risk-based capital ratio | 12.6874% | 4,191 |
| Total risk-based capital ratio | 13.9391% | 4,099 |
| Memoranda: | ||
| Average total assets | $106,550,670 | 4,194 |
| Average earning assets | $101,279,330 | 4,144 |
| Average equity | $10,760,000 | 4,398 |
| Average total loans | $89,893,330 | 3,576 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 464 |
| Cost of funding earning assets | 0.1963% | 5,012 |
| Net interest margin | 4.8755% | 272 |
| Noninterest income to average assets | 0.9386% | 1,144 |
| Noninterest expense to average assets | 3.6517% | 825 |
| Loan and lease loss provision to assets | 0.7790% | 128 |
| Net operating income to assets | 1.1324% | 1,738 |
| Return on assets (ROA) | 1.1324% | 1,774 |
| Pretax return on assets | 1.1324% | 2,851 |
| Return on Equity (ROE) | 11.1059% | 1,528 |
| Retained earnings to average equity (ytd only) | -1.5653% | 5,133 |
| Net charge-offs to loans | 0.0536% | 1,802 |
| Credit loss provision to net charge-offs | 1,708.3333% | 190 |
| Earnings coverage of net charge-offs (x) | 41.9167% | 1,005 |
| Efficiency ratio | 65.6421% | 3,552 |
| Assets per employee ($millions) | 3.3145% | 5,030 |
| Cash dividends to net income (ytd only)* | 114.0940% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 1,116 |
| Loan loss allowance to noncurrent loans | 48.9261% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.9850% | 343 |
| Noncurrent loans to loans | 3.5041% | 346 |
| Net loans and leases to total assets | 83.7251% | 397 |
| Net loans and leases to deposits | 93.2697% | 1,188 |
| Net loans and leases to core deposits | 97.7565% | 1,676 |
| Total domestic deposits to total assets | 89.7667% | 766 |
| Equity capital to assets | 10.1089% | 3,610 |
| Core capital (leverage) ratio | 10.1918% | 3,249 |
| Tier 1 risk-based capital ratio | 12.5519% | 4,358 |
| Total risk-based capital ratio | 13.8086% | 4,254 |
| Memoranda: | ||
| Average total assets | $105,265,500 | 4,263 |
| Average earning assets | $99,845,500 | 4,202 |
| Average equity | $10,733,000 | 4,431 |
| Average total loans | $89,489,500 | 3,610 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 406 |
| Cost of funding earning assets | 0.2060% | 4,959 |
| Net interest margin | 5.0085% | 244 |
| Noninterest income to average assets | 0.8680% | 1,515 |
| Noninterest expense to average assets | 3.5197% | 1,133 |
| Loan and lease loss provision to assets | 0.1529% | 1,639 |
| Net operating income to assets | 1.9596% | 351 |
| Return on assets (ROA) | 1.9749% | 358 |
| Pretax return on assets | 1.9749% | 531 |
| Return on Equity (ROE) | 19.4535% | 239 |
| Retained earnings to average equity (ytd only) | 4.4820% | 2,722 |
| Net charge-offs to loans | 0.1077% | 2,193 |
| Credit loss provision to net charge-offs | 172.0430% | 1,615 |
| Earnings coverage of net charge-offs (x) | 23.7634% | 1,663 |
| Efficiency ratio | 62.4915% | 4,177 |
| Assets per employee ($millions) | 3.2647% | 5,084 |
| Cash dividends to net income (ytd only)* | 76.9603% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,565 |
| Loan loss allowance to noncurrent loans | 55.6650% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.3318% | 532 |
| Noncurrent loans to loans | 2.7486% | 537 |
| Net loans and leases to total assets | 83.5377% | 429 |
| Net loans and leases to deposits | 93.1785% | 1,278 |
| Net loans and leases to core deposits | 97.2130% | 1,821 |
| Total domestic deposits to total assets | 89.6534% | 792 |
| Equity capital to assets | 10.2873% | 3,401 |
| Core capital (leverage) ratio | 10.3711% | 3,028 |
| Tier 1 risk-based capital ratio | 12.6617% | 4,286 |
| Total risk-based capital ratio | 13.9159% | 4,171 |
| Memoranda: | ||
| Average total assets | $104,612,400 | 4,270 |
| Average earning assets | $99,511,800 | 4,218 |
| Average equity | $10,620,200 | 4,475 |
| Average total loans | $86,327,400 | 3,655 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1568% | 455 |
| Cost of funding earning assets | 0.2050% | 5,016 |
| Net interest margin | 4.9518% | 282 |
| Noninterest income to average assets | 0.8906% | 1,440 |
| Noninterest expense to average assets | 3.2489% | 1,686 |
| Loan and lease loss provision to assets | 0.1784% | 1,252 |
| Net operating income to assets | 2.1710% | 259 |
| Return on assets (ROA) | 2.1506% | 279 |
| Pretax return on assets | 2.1506% | 423 |
| Return on Equity (ROE) | 21.2552% | 184 |
| Retained earnings to average equity (ytd only) | 6.2708% | 2,025 |
| Net charge-offs to loans | 0.1384% | 1,601 |
| Credit loss provision to net charge-offs | 157.3034% | 1,722 |
| Earnings coverage of net charge-offs (x) | 20.7198% | 1,857 |
| Efficiency ratio | 58.0337% | 4,805 |
| Assets per employee ($millions) | 3.5101% | 4,768 |
| Cash dividends to net income (ytd only)* | 70.4978% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,660 |
| Loan loss allowance to noncurrent loans | 54.2071% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.3475% | 603 |
| Noncurrent loans to loans | 2.8191% | 569 |
| Net loans and leases to total assets | 81.9994% | 620 |
| Net loans and leases to deposits | 91.5537% | 1,559 |
| Net loans and leases to core deposits | 95.4912% | 2,054 |
| Total domestic deposits to total assets | 89.5643% | 643 |
| Equity capital to assets | 10.3683% | 3,721 |
| Core capital (leverage) ratio | 10.4014% | 3,111 |
| Tier 1 risk-based capital ratio | 12.6059% | 4,407 |
| Total risk-based capital ratio | 13.8601% | 4,308 |
| Memoranda: | ||
| Average total assets | $104,648,250 | 4,308 |
| Average earning assets | $99,490,500 | 4,248 |
| Average equity | $10,588,500 | 4,522 |
| Average total loans | $85,752,500 | 3,690 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 415 |
| Cost of funding earning assets | 0.2036% | 5,107 |
| Net interest margin | 5.0105% | 250 |
| Noninterest income to average assets | 0.7967% | 1,729 |
| Noninterest expense to average assets | 3.3343% | 1,524 |
| Loan and lease loss provision to assets | 0.1341% | 1,703 |
| Net operating income to assets | 2.0894% | 289 |
| Return on assets (ROA) | 2.1201% | 280 |
| Pretax return on assets | 2.1201% | 447 |
| Return on Equity (ROE) | 21.1286% | 189 |
| Retained earnings to average equity (ytd only) | 5.8595% | 2,204 |
| Net charge-offs to loans | 0.0164% | 3,186 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 165.8571% | 383 |
| Efficiency ratio | 59.9931% | 4,643 |
| Assets per employee ($millions) | 3.4265% | 4,876 |
| Cash dividends to net income (ytd only)* | 72.2674% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,690 |
| Loan loss allowance to noncurrent loans | 221.2766% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 3,237 |
| Noncurrent loans to loans | 0.6992% | 2,982 |
| Net loans and leases to total assets | 83.6968% | 447 |
| Net loans and leases to deposits | 93.4819% | 1,342 |
| Net loans and leases to core deposits | 96.2447% | 1,956 |
| Total domestic deposits to total assets | 89.5327% | 666 |
| Equity capital to assets | 10.4245% | 3,713 |
| Core capital (leverage) ratio | 10.2774% | 3,236 |
| Tier 1 risk-based capital ratio | 12.8692% | 4,273 |
| Total risk-based capital ratio | 14.1242% | 4,187 |
| Memoranda: | ||
| Average total assets | $104,430,330 | 4,345 |
| Average earning assets | $99,230,670 | 4,286 |
| Average equity | $10,478,670 | 4,572 |
| Average total loans | $85,107,670 | 3,717 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2412% | 391 |
| Cost of funding earning assets | 0.1962% | 5,238 |
| Net interest margin | 5.0450% | 229 |
| Noninterest income to average assets | 0.7449% | 1,835 |
| Noninterest expense to average assets | 3.5041% | 1,174 |
| Loan and lease loss provision to assets | 0.2660% | 638 |
| Net operating income to assets | 1.7635% | 497 |
| Return on assets (ROA) | 1.7977% | 501 |
| Pretax return on assets | 1.7977% | 852 |
| Return on Equity (ROE) | 18.2625% | 335 |
| Retained earnings to average equity (ytd only) | 2.8185% | 4,107 |
| Net charge-offs to loans | 0.0238% | 2,456 |
| Credit loss provision to net charge-offs | 1,400.0000% | 296 |
| Earnings coverage of net charge-offs (x) | 106.8000% | 517 |
| Efficiency ratio | 63.3242% | 4,255 |
| Assets per employee ($millions) | 3.1213% | 5,372 |
| Cash dividends to net income (ytd only)* | 84.5666% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 1,660 |
| Loan loss allowance to noncurrent loans | 242.6523% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 3,442 |
| Noncurrent loans to loans | 0.6524% | 3,214 |
| Net loans and leases to total assets | 81.7161% | 598 |
| Net loans and leases to deposits | 90.9808% | 1,460 |
| Net loans and leases to core deposits | 93.9251% | 1,996 |
| Total domestic deposits to total assets | 89.8168% | 669 |
| Equity capital to assets | 10.1531% | 3,893 |
| Core capital (leverage) ratio | 9.9254% | 3,631 |
| Tier 1 risk-based capital ratio | 12.8877% | 4,331 |
| Total risk-based capital ratio | 14.1430% | 4,246 |
| Memoranda: | ||
| Average total assets | $105,247,500 | 4,361 |
| Average earning assets | $99,900,000 | 4,298 |
| Average equity | $10,360,000 | 4,605 |
| Average total loans | $83,967,000 | 3,757 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 691 |
| Cost of funding earning assets | 0.1900% | 5,366 |
| Net interest margin | 4.7579% | 410 |
| Noninterest income to average assets | 0.8094% | 1,751 |
| Noninterest expense to average assets | 3.2180% | 1,921 |
| Loan and lease loss provision to assets | 0.0518% | 3,284 |
| Net operating income to assets | 2.0660% | 312 |
| Return on assets (ROA) | 2.0669% | 320 |
| Pretax return on assets | 2.0669% | 469 |
| Return on Equity (ROE) | 21.0071% | 203 |
| Retained earnings to average equity (ytd only) | 6.4188% | 1,590 |
| Net charge-offs to loans | 0.0256% | 3,723 |
| Credit loss provision to net charge-offs | 275.0000% | 1,055 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 527 |
| Efficiency ratio | 60.3105% | 4,872 |
| Assets per employee ($millions) | 3.7227% | 4,434 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 4,643 |
| Loan loss allowance to noncurrent loans | 183.6689% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 3,942 |
| Noncurrent loans to loans | 0.5424% | 3,537 |
| Net loans and leases to total assets | 75.5741% | 1,483 |
| Net loans and leases to deposits | 83.9644% | 2,369 |
| Net loans and leases to core deposits | 86.5703% | 2,748 |
| Total domestic deposits to total assets | 90.0073% | 631 |
| Equity capital to assets | 9.9380% | 4,034 |
| Core capital (leverage) ratio | 10.1338% | 3,342 |
| Tier 1 risk-based capital ratio | 13.5129% | 3,998 |
| Total risk-based capital ratio | 14.5398% | 4,060 |
| Memoranda: | ||
| Average total assets | $106,246,000 | 4,327 |
| Average earning assets | $101,074,200 | 4,260 |
| Average equity | $10,453,600 | 4,576 |
| Average total loans | $78,264,800 | 3,880 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 673 |
| Cost of funding earning assets | 0.1907% | 5,456 |
| Net interest margin | 4.7698% | 400 |
| Noninterest income to average assets | 0.8001% | 1,806 |
| Noninterest expense to average assets | 3.0731% | 2,289 |
| Loan and lease loss provision to assets | 0.0441% | 3,334 |
| Net operating income to assets | 2.2214% | 247 |
| Return on assets (ROA) | 2.2214% | 259 |
| Pretax return on assets | 2.2214% | 391 |
| Return on Equity (ROE) | 22.6352% | 175 |
| Retained earnings to average equity (ytd only) | 8.1913% | 1,174 |
| Net charge-offs to loans | 0.0242% | 3,455 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 128.4022% | 513 |
| Efficiency ratio | 57.5643% | 5,173 |
| Assets per employee ($millions) | 3.7139% | 4,418 |
| Cash dividends to net income (ytd only)* | 63.8115% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 4,584 |
| Loan loss allowance to noncurrent loans | 689.7436% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 5,312 |
| Noncurrent loans to loans | 0.1494% | 5,042 |
| Net loans and leases to total assets | 71.9778% | 2,059 |
| Net loans and leases to deposits | 80.0072% | 2,884 |
| Net loans and leases to core deposits | 82.5011% | 3,199 |
| Total domestic deposits to total assets | 89.9642% | 585 |
| Equity capital to assets | 9.9820% | 4,172 |
| Core capital (leverage) ratio | 10.2760% | 3,277 |
| Tier 1 risk-based capital ratio | 14.2246% | 3,716 |
| Total risk-based capital ratio | 15.2903% | 3,767 |
| Memoranda: | ||
| Average total assets | $105,817,750 | 4,384 |
| Average earning assets | $100,687,000 | 4,314 |
| Average equity | $10,384,750 | 4,637 |
| Average total loans | $77,228,500 | 3,942 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 685 |
| Cost of funding earning assets | 0.1963% | 5,471 |
| Net interest margin | 4.7330% | 415 |
| Noninterest income to average assets | 0.7948% | 1,801 |
| Noninterest expense to average assets | 3.0364% | 2,434 |
| Loan and lease loss provision to assets | 0.0380% | 3,358 |
| Net operating income to assets | 2.2132% | 249 |
| Return on assets (ROA) | 2.2132% | 264 |
| Pretax return on assets | 2.2132% | 406 |
| Return on Equity (ROE) | 22.6842% | 174 |
| Retained earnings to average equity (ytd only) | 8.5553% | 1,061 |
| Net charge-offs to loans | 0.0364% | 2,950 |
| Credit loss provision to net charge-offs | 142.8571% | 1,574 |
| Earnings coverage of net charge-offs (x) | 84.5714% | 674 |
| Efficiency ratio | 57.4254% | 5,289 |
| Assets per employee ($millions) | 3.4929% | 4,807 |
| Cash dividends to net income (ytd only)* | 62.2852% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 4,580 |
| Loan loss allowance to noncurrent loans | 201.0152% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 4,385 |
| Noncurrent loans to loans | 0.5246% | 3,885 |
| Net loans and leases to total assets | 70.9169% | 2,175 |
| Net loans and leases to deposits | 78.8362% | 2,922 |
| Net loans and leases to core deposits | 81.1468% | 3,265 |
| Total domestic deposits to total assets | 89.9548% | 680 |
| Equity capital to assets | 10.0032% | 4,038 |
| Core capital (leverage) ratio | 9.8479% | 3,812 |
| Tier 1 risk-based capital ratio | 14.9529% | 3,380 |
| Total risk-based capital ratio | 16.0731% | 3,395 |
| Memoranda: | ||
| Average total assets | $105,189,000 | 4,440 |
| Average earning assets | $99,852,000 | 4,373 |
| Average equity | $10,262,670 | 4,690 |
| Average total loans | $76,861,330 | 3,981 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 567 |
| Cost of funding earning assets | 0.1915% | 5,587 |
| Net interest margin | 4.8068% | 349 |
| Noninterest income to average assets | 0.6946% | 2,180 |
| Noninterest expense to average assets | 3.0477% | 2,432 |
| Loan and lease loss provision to assets | 0.0190% | 3,467 |
| Net operating income to assets | 2.2013% | 230 |
| Return on assets (ROA) | 2.2013% | 243 |
| Pretax return on assets | 2.2013% | 386 |
| Return on Equity (ROE) | 22.8504% | 158 |
| Retained earnings to average equity (ytd only) | 9.0614% | 1,175 |
| Net charge-offs to loans | 0.0463% | 2,333 |
| Credit loss provision to net charge-offs | 55.5556% | 2,047 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 684 |
| Efficiency ratio | 57.8530% | 5,353 |
| Assets per employee ($millions) | 3.6407% | 4,634 |
| Cash dividends to net income (ytd only)* | 60.3448% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 4,952 |
| Loan loss allowance to noncurrent loans | 1,167.1642% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 5,679 |
| Noncurrent loans to loans | 0.0868% | 5,433 |
| Net loans and leases to total assets | 72.4020% | 1,747 |
| Net loans and leases to deposits | 80.2499% | 2,532 |
| Net loans and leases to core deposits | 82.7527% | 2,890 |
| Total domestic deposits to total assets | 90.2207% | 641 |
| Equity capital to assets | 9.7518% | 4,429 |
| Core capital (leverage) ratio | 9.7832% | 3,911 |
| Tier 1 risk-based capital ratio | 13.9855% | 4,032 |
| Total risk-based capital ratio | 15.0409% | 4,076 |
| Memoranda: | ||
| Average total assets | $105,390,500 | 4,469 |
| Average earning assets | $100,274,500 | 4,393 |
| Average equity | $10,153,000 | 4,749 |
| Average total loans | $77,740,500 | 3,970 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 641 |
| Cost of funding earning assets | 0.2417% | 5,409 |
| Net interest margin | 4.8553% | 393 |
| Noninterest income to average assets | 0.8372% | 1,726 |
| Noninterest expense to average assets | 3.1738% | 2,278 |
| Loan and lease loss provision to assets | 0.0647% | 3,213 |
| Net operating income to assets | 2.1782% | 232 |
| Return on assets (ROA) | 2.1782% | 237 |
| Pretax return on assets | 2.1782% | 334 |
| Return on Equity (ROE) | 22.9187% | 152 |
| Retained earnings to average equity (ytd only) | 7.9398% | 1,044 |
| Net charge-offs to loans | 0.0351% | 4,132 |
| Credit loss provision to net charge-offs | 240.7407% | 1,057 |
| Earnings coverage of net charge-offs (x) | 83.4444% | 604 |
| Efficiency ratio | 58.5922% | 5,394 |
| Assets per employee ($millions) | 3.3936% | 5,077 |
| Cash dividends to net income (ytd only)* | 65.3565% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 5,021 |
| Loan loss allowance to noncurrent loans | 333.0508% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 5,128 |
| Noncurrent loans to loans | 0.3016% | 4,764 |
| Net loans and leases to total assets | 73.6409% | 1,650 |
| Net loans and leases to deposits | 81.4336% | 2,551 |
| Net loans and leases to core deposits | 83.4520% | 2,959 |
| Total domestic deposits to total assets | 90.4307% | 564 |
| Equity capital to assets | 9.5151% | 4,704 |
| Core capital (leverage) ratio | 9.4052% | 4,374 |
| Tier 1 risk-based capital ratio | 13.3848% | 4,477 |
| Total risk-based capital ratio | 14.4231% | 4,536 |
| Memoranda: | ||
| Average total assets | $100,448,800 | 4,587 |
| Average earning assets | $94,741,800 | 4,538 |
| Average equity | $9,546,800 | 4,851 |
| Average total loans | $76,948,200 | 3,968 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1138% | 624 |
| Cost of funding earning assets | 0.2513% | 5,394 |
| Net interest margin | 4.8625% | 367 |
| Noninterest income to average assets | 0.8328% | 1,766 |
| Noninterest expense to average assets | 3.0518% | 2,629 |
| Loan and lease loss provision to assets | 0.0604% | 3,154 |
| Net operating income to assets | 2.2942% | 194 |
| Return on assets (ROA) | 2.2942% | 198 |
| Pretax return on assets | 2.2942% | 300 |
| Return on Equity (ROE) | 24.1468% | 124 |
| Retained earnings to average equity (ytd only) | 8.8783% | 1,039 |
| Net charge-offs to loans | 0.0452% | 3,589 |
| Credit loss provision to net charge-offs | 173.0769% | 1,434 |
| Earnings coverage of net charge-offs (x) | 67.4148% | 801 |
| Efficiency ratio | 56.4472% | 5,619 |
| Assets per employee ($millions) | 3.4617% | 4,932 |
| Cash dividends to net income (ytd only)* | 63.2316% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 5,224 |
| Loan loss allowance to noncurrent loans | 453.8462% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 5,510 |
| Noncurrent loans to loans | 0.2201% | 5,242 |
| Net loans and leases to total assets | 73.1834% | 1,649 |
| Net loans and leases to deposits | 80.8702% | 2,569 |
| Net loans and leases to core deposits | 82.6736% | 3,039 |
| Total domestic deposits to total assets | 90.4949% | 527 |
| Equity capital to assets | 9.4531% | 4,853 |
| Core capital (leverage) ratio | 9.6798% | 4,110 |
| Tier 1 risk-based capital ratio | 13.3807% | 4,616 |
| Total risk-based capital ratio | 14.4067% | 4,693 |
| Memoranda: | ||
| Average total assets | $99,260,750 | 4,662 |
| Average earning assets | $93,365,750 | 4,612 |
| Average equity | $9,431,000 | 4,914 |
| Average total loans | $76,621,000 | 4,005 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 510 |
| Cost of funding earning assets | 0.2769% | 5,224 |
| Net interest margin | 4.9234% | 332 |
| Noninterest income to average assets | 0.8145% | 1,786 |
| Noninterest expense to average assets | 3.0799% | 2,568 |
| Loan and lease loss provision to assets | 0.0716% | 2,841 |
| Net operating income to assets | 2.2838% | 195 |
| Return on assets (ROA) | 2.2838% | 204 |
| Pretax return on assets | 2.2838% | 312 |
| Return on Equity (ROE) | 23.9940% | 137 |
| Retained earnings to average equity (ytd only) | 8.6215% | 1,107 |
| Net charge-offs to loans | 0.0052% | 4,203 |
| Credit loss provision to net charge-offs | 1,750.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 575.5000% | 123 |
| Efficiency ratio | 56.6642% | 5,684 |
| Assets per employee ($millions) | 3.4503% | 4,947 |
| Cash dividends to net income (ytd only)* | 64.0681% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 5,098 |
| Loan loss allowance to noncurrent loans | 392.4623% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 5,434 |
| Noncurrent loans to loans | 0.2685% | 5,211 |
| Net loans and leases to total assets | 73.2800% | 1,536 |
| Net loans and leases to deposits | 81.0810% | 2,377 |
| Net loans and leases to core deposits | 82.9617% | 2,861 |
| Total domestic deposits to total assets | 90.3788% | 628 |
| Equity capital to assets | 9.5773% | 4,656 |
| Core capital (leverage) ratio | 9.5867% | 4,193 |
| Tier 1 risk-based capital ratio | 13.3671% | 4,670 |
| Total risk-based capital ratio | 14.4349% | 4,728 |
| Memoranda: | ||
| Average total assets | $97,731,000 | 4,740 |
| Average earning assets | $91,725,000 | 4,684 |
| Average equity | $9,302,330 | 4,959 |
| Average total loans | $76,572,000 | 4,025 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 395 |
| Cost of funding earning assets | 0.2692% | 5,395 |
| Net interest margin | 5.0572% | 238 |
| Noninterest income to average assets | 0.7787% | 1,843 |
| Noninterest expense to average assets | 3.1522% | 2,372 |
| Loan and lease loss provision to assets | 0.0994% | 2,269 |
| Net operating income to assets | 2.2741% | 209 |
| Return on assets (ROA) | 2.2741% | 217 |
| Pretax return on assets | 2.2741% | 320 |
| Return on Equity (ROE) | 23.9686% | 147 |
| Retained earnings to average equity (ytd only) | 8.6881% | 1,348 |
| Net charge-offs to loans | -0.0154% | 5,219 |
| Credit loss provision to net charge-offs | -800.0000% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0465% | 5,751 |
| Assets per employee ($millions) | 3.1742% | 5,561 |
| Cash dividends to net income (ytd only)* | 63.7523% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 5,578 |
| Loan loss allowance to noncurrent loans | 450.5814% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,566 |
| Noncurrent loans to loans | 0.2189% | 5,439 |
| Net loans and leases to total assets | 79.0673% | 652 |
| Net loans and leases to deposits | 87.3916% | 1,430 |
| Net loans and leases to core deposits | 90.8691% | 1,839 |
| Total domestic deposits to total assets | 90.4747% | 813 |
| Equity capital to assets | 9.4938% | 4,509 |
| Core capital (leverage) ratio | 9.9362% | 3,655 |
| Tier 1 risk-based capital ratio | 12.3414% | 5,414 |
| Total risk-based capital ratio | 13.3405% | 5,515 |
| Memoranda: | ||
| Average total assets | $96,566,500 | 4,810 |
| Average earning assets | $90,643,000 | 4,760 |
| Average equity | $9,162,000 | 5,009 |
| Average total loans | $77,805,500 | 4,002 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 451 |
| Cost of funding earning assets | 0.3186% | 5,435 |
| Net interest margin | 5.0666% | 278 |
| Noninterest income to average assets | 0.7691% | 2,222 |
| Noninterest expense to average assets | 3.2598% | 2,255 |
| Loan and lease loss provision to assets | 0.0852% | 3,406 |
| Net operating income to assets | 2.1838% | 248 |
| Return on assets (ROA) | 2.1902% | 250 |
| Pretax return on assets | 2.1902% | 319 |
| Return on Equity (ROE) | 23.3196% | 167 |
| Retained earnings to average equity (ytd only) | 8.5747% | 884 |
| Net charge-offs to loans | 0.0453% | 4,585 |
| Credit loss provision to net charge-offs | 250.0000% | 904 |
| Earnings coverage of net charge-offs (x) | 66.5625% | 632 |
| Efficiency ratio | 58.9595% | 5,612 |
| Assets per employee ($millions) | 3.1577% | 5,573 |
| Cash dividends to net income (ytd only)* | 63.2296% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 5,698 |
| Loan loss allowance to noncurrent loans | 512.3288% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 5,713 |
| Noncurrent loans to loans | 0.1895% | 5,627 |
| Net loans and leases to total assets | 80.5272% | 540 |
| Net loans and leases to deposits | 89.0223% | 1,344 |
| Net loans and leases to core deposits | 92.3625% | 1,757 |
| Total domestic deposits to total assets | 90.4573% | 841 |
| Equity capital to assets | 9.4815% | 4,450 |
| Core capital (leverage) ratio | 9.8073% | 3,832 |
| Tier 1 risk-based capital ratio | 12.3164% | 5,420 |
| Total risk-based capital ratio | 13.2991% | 5,523 |
| Memoranda: | ||
| Average total assets | $93,872,000 | 4,888 |
| Average earning assets | $88,185,000 | 4,829 |
| Average equity | $8,816,600 | 5,137 |
| Average total loans | $70,717,200 | 4,240 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 456 |
| Cost of funding earning assets | 0.3291% | 5,475 |
| Net interest margin | 5.0560% | 289 |
| Noninterest income to average assets | 0.6848% | 2,705 |
| Noninterest expense to average assets | 3.0963% | 2,665 |
| Loan and lease loss provision to assets | 0.0783% | 3,495 |
| Net operating income to assets | 2.2564% | 234 |
| Return on assets (ROA) | 2.2564% | 242 |
| Pretax return on assets | 2.2564% | 347 |
| Return on Equity (ROE) | 24.0823% | 137 |
| Retained earnings to average equity (ytd only) | 9.4961% | 908 |
| Net charge-offs to loans | 0.0636% | 4,004 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 49.6957% | 871 |
| Efficiency ratio | 57.0118% | 5,801 |
| Assets per employee ($millions) | 3.0152% | 5,821 |
| Cash dividends to net income (ytd only)* | 60.5679% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 5,670 |
| Loan loss allowance to noncurrent loans | 729.2929% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 5,958 |
| Noncurrent loans to loans | 0.1385% | 5,912 |
| Net loans and leases to total assets | 75.6868% | 1,047 |
| Net loans and leases to deposits | 83.7697% | 1,907 |
| Net loans and leases to core deposits | 86.9564% | 2,287 |
| Total domestic deposits to total assets | 90.3511% | 817 |
| Equity capital to assets | 9.5012% | 4,556 |
| Core capital (leverage) ratio | 9.8176% | 3,932 |
| Tier 1 risk-based capital ratio | 12.9962% | 5,130 |
| Total risk-based capital ratio | 14.0112% | 5,224 |
| Memoranda: | ||
| Average total assets | $93,657,000 | 4,943 |
| Average earning assets | $87,920,250 | 4,873 |
| Average equity | $8,775,250 | 5,196 |
| Average total loans | $69,138,250 | 4,332 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 502 |
| Cost of funding earning assets | 0.3425% | 5,468 |
| Net interest margin | 4.9828% | 318 |
| Noninterest income to average assets | 0.6253% | 3,047 |
| Noninterest expense to average assets | 3.0410% | 2,871 |
| Loan and lease loss provision to assets | 0.0854% | 3,375 |
| Net operating income to assets | 2.1874% | 268 |
| Return on assets (ROA) | 2.1874% | 285 |
| Pretax return on assets | 2.1874% | 428 |
| Return on Equity (ROE) | 23.4554% | 158 |
| Retained earnings to average equity (ytd only) | 9.4966% | 968 |
| Net charge-offs to loans | 0.0410% | 4,103 |
| Credit loss provision to net charge-offs | 285.7143% | 898 |
| Earnings coverage of net charge-offs (x) | 76.0714% | 596 |
| Efficiency ratio | 57.2289% | 5,834 |
| Assets per employee ($millions) | 3.1406% | 5,600 |
| Cash dividends to net income (ytd only)* | 59.5122% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 5,645 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 6,291 |
| Noncurrent loans to loans | 0.0952% | 6,112 |
| Net loans and leases to total assets | 72.8382% | 1,432 |
| Net loans and leases to deposits | 80.3866% | 2,270 |
| Net loans and leases to core deposits | 83.4085% | 2,640 |
| Total domestic deposits to total assets | 90.6100% | 700 |
| Equity capital to assets | 9.2903% | 4,872 |
| Core capital (leverage) ratio | 9.6400% | 4,020 |
| Tier 1 risk-based capital ratio | 13.2860% | 4,926 |
| Total risk-based capital ratio | 14.3536% | 5,012 |
| Memoranda: | ||
| Average total assets | $93,718,670 | 4,966 |
| Average earning assets | $88,183,330 | 4,895 |
| Average equity | $8,740,000 | 5,235 |
| Average total loans | $68,361,670 | 4,373 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 431 |
| Cost of funding earning assets | 0.3635% | 5,423 |
| Net interest margin | 5.0348% | 284 |
| Noninterest income to average assets | 0.5863% | 3,208 |
| Noninterest expense to average assets | 3.0170% | 2,936 |
| Loan and lease loss provision to assets | 0.0642% | 3,555 |
| Net operating income to assets | 2.2467% | 223 |
| Return on assets (ROA) | 2.2467% | 250 |
| Pretax return on assets | 2.2467% | 379 |
| Return on Equity (ROE) | 24.0453% | 141 |
| Retained earnings to average equity (ytd only) | 10.3051% | 1,034 |
| Net charge-offs to loans | 0.0118% | 3,907 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 141 |
| Efficiency ratio | 56.6265% | 6,006 |
| Assets per employee ($millions) | 3.2059% | 5,612 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 5,888 |
| Loan loss allowance to noncurrent loans | 685.5769% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 6,238 |
| Noncurrent loans to loans | 0.1499% | 6,017 |
| Net loans and leases to total assets | 73.8728% | 1,096 |
| Net loans and leases to deposits | 81.6649% | 1,876 |
| Net loans and leases to core deposits | 85.0402% | 2,213 |
| Total domestic deposits to total assets | 90.4584% | 789 |
| Equity capital to assets | 9.4620% | 4,901 |
| Core capital (leverage) ratio | 9.4575% | 4,151 |
| Tier 1 risk-based capital ratio | 12.7650% | 5,392 |
| Total risk-based capital ratio | 13.7940% | 5,503 |
| Memoranda: | ||
| Average total assets | $93,469,500 | 5,014 |
| Average earning assets | $88,027,000 | 4,934 |
| Average equity | $8,733,500 | 5,290 |
| Average total loans | $67,866,500 | 4,425 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5799% | 533 |
| Cost of funding earning assets | 0.5181% | 5,086 |
| Net interest margin | 5.0618% | 343 |
| Noninterest income to average assets | 0.8728% | 1,950 |
| Noninterest expense to average assets | 3.3817% | 2,098 |
| Loan and lease loss provision to assets | 0.1529% | 3,701 |
| Net operating income to assets | 2.0843% | 309 |
| Return on assets (ROA) | 2.0961% | 336 |
| Pretax return on assets | 2.0961% | 497 |
| Return on Equity (ROE) | 21.2735% | 249 |
| Retained earnings to average equity (ytd only) | 8.1417% | 1,074 |
| Net charge-offs to loans | 0.0393% | 5,368 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 73.1538% | 508 |
| Efficiency ratio | 60.1842% | 5,510 |
| Assets per employee ($millions) | 3.4803% | 5,049 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 5,741 |
| Loan loss allowance to noncurrent loans | 686.2745% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 6,316 |
| Noncurrent loans to loans | 0.1538% | 6,097 |
| Net loans and leases to total assets | 69.8532% | 1,875 |
| Net loans and leases to deposits | 77.0637% | 2,647 |
| Net loans and leases to core deposits | 80.3523% | 2,961 |
| Total domestic deposits to total assets | 90.6435% | 641 |
| Equity capital to assets | 9.2266% | 5,240 |
| Core capital (leverage) ratio | 9.3613% | 4,317 |
| Tier 1 risk-based capital ratio | 12.7276% | 5,311 |
| Total risk-based capital ratio | 13.7611% | 5,422 |
| Memoranda: | ||
| Average total assets | $85,016,200 | 5,220 |
| Average earning assets | $79,714,000 | 5,132 |
| Average equity | $8,376,600 | 5,399 |
| Average total loans | $66,096,200 | 4,498 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 435 |
| Cost of funding earning assets | 0.5463% | 5,115 |
| Net interest margin | 5.1883% | 300 |
| Noninterest income to average assets | 0.9406% | 1,704 |
| Noninterest expense to average assets | 3.2922% | 2,294 |
| Loan and lease loss provision to assets | 0.1933% | 3,166 |
| Net operating income to assets | 2.3194% | 236 |
| Return on assets (ROA) | 2.3355% | 251 |
| Pretax return on assets | 2.3355% | 383 |
| Return on Equity (ROE) | 23.2835% | 184 |
| Retained earnings to average equity (ytd only) | 10.0359% | 905 |
| Net charge-offs to loans | 0.0586% | 4,843 |
| Credit loss provision to net charge-offs | 413.7931% | 650 |
| Earnings coverage of net charge-offs (x) | 53.7872% | 719 |
| Efficiency ratio | 56.7148% | 5,962 |
| Assets per employee ($millions) | 3.0230% | 6,016 |
| Cash dividends to net income (ytd only)* | 56.8963% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 5,959 |
| Loan loss allowance to noncurrent loans | 11,450.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,773 |
| Noncurrent loans to loans | 0.0090% | 6,650 |
| Net loans and leases to total assets | 75.0123% | 1,111 |
| Net loans and leases to deposits | 83.3378% | 1,951 |
| Net loans and leases to core deposits | 86.0487% | 2,459 |
| Total domestic deposits to total assets | 90.0099% | 842 |
| Equity capital to assets | 9.8555% | 4,701 |
| Core capital (leverage) ratio | 10.0271% | 3,503 |
| Tier 1 risk-based capital ratio | 13.2309% | 5,078 |
| Total risk-based capital ratio | 14.2926% | 5,166 |
| Memoranda: | ||
| Average total assets | $82,778,500 | 5,333 |
| Average earning assets | $77,608,500 | 5,252 |
| Average equity | $8,303,250 | 5,478 |
| Average total loans | $66,035,500 | 4,546 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 402 |
| Cost of funding earning assets | 0.5634% | 5,199 |
| Net interest margin | 5.2439% | 268 |
| Noninterest income to average assets | 1.0450% | 1,329 |
| Noninterest expense to average assets | 3.3666% | 2,109 |
| Loan and lease loss provision to assets | 0.2218% | 2,863 |
| Net operating income to assets | 2.3660% | 214 |
| Return on assets (ROA) | 2.3907% | 235 |
| Pretax return on assets | 2.3907% | 352 |
| Return on Equity (ROE) | 23.6845% | 189 |
| Retained earnings to average equity (ytd only) | 10.2552% | 901 |
| Net charge-offs to loans | 0.0819% | 4,325 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 38.8889% | 891 |
| Efficiency ratio | 56.5397% | 6,057 |
| Assets per employee ($millions) | 2.8553% | 6,306 |
| Cash dividends to net income (ytd only)* | 56.7010% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,267 |
| Loan loss allowance to noncurrent loans | 1,938.2353% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 6,728 |
| Noncurrent loans to loans | 0.0500% | 6,553 |
| Net loans and leases to total assets | 81.3982% | 377 |
| Net loans and leases to deposits | 90.7122% | 1,077 |
| Net loans and leases to core deposits | 93.3998% | 1,659 |
| Total domestic deposits to total assets | 89.7324% | 1,087 |
| Equity capital to assets | 10.1529% | 4,117 |
| Core capital (leverage) ratio | 10.1285% | 3,225 |
| Tier 1 risk-based capital ratio | 12.7224% | 5,402 |
| Total risk-based capital ratio | 13.7255% | 5,567 |
| Memoranda: | ||
| Average total assets | $81,149,000 | 5,406 |
| Average earning assets | $75,974,000 | 5,324 |
| Average equity | $8,191,000 | 5,514 |
| Average total loans | $65,898,000 | 4,566 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8573% | 386 |
| Cost of funding earning assets | 0.5591% | 5,436 |
| Net interest margin | 5.2982% | 249 |
| Noninterest income to average assets | 1.3097% | 831 |
| Noninterest expense to average assets | 3.2968% | 2,298 |
| Loan and lease loss provision to assets | 0.3486% | 1,794 |
| Net operating income to assets | 2.6195% | 152 |
| Return on assets (ROA) | 2.6195% | 183 |
| Pretax return on assets | 2.6195% | 281 |
| Return on Equity (ROE) | 26.0299% | 162 |
| Retained earnings to average equity (ytd only) | 12.4211% | 763 |
| Net charge-offs to loans | -0.0062% | 5,838 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6232% | 6,481 |
| Assets per employee ($millions) | 2.8318% | 6,460 |
| Cash dividends to net income (ytd only)* | 52.2814% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 6,294 |
| Loan loss allowance to noncurrent loans | 215.1613% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 5,934 |
| Noncurrent loans to loans | 0.4590% | 5,761 |
| Net loans and leases to total assets | 81.4266% | 309 |
| Net loans and leases to deposits | 90.5558% | 916 |
| Net loans and leases to core deposits | 93.2506% | 1,525 |
| Total domestic deposits to total assets | 89.9188% | 1,130 |
| Equity capital to assets | 9.9875% | 4,134 |
| Core capital (leverage) ratio | 10.1889% | 3,124 |
| Tier 1 risk-based capital ratio | 12.5318% | 5,580 |
| Total risk-based capital ratio | 13.5525% | 5,715 |
| Memoranda: | ||
| Average total assets | $80,321,500 | 5,463 |
| Average earning assets | $75,120,000 | 5,395 |
| Average equity | $8,083,000 | 5,565 |
| Average total loans | $64,817,000 | 4,624 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 901 |
| Cost of funding earning assets | 0.6818% | 5,651 |
| Net interest margin | 4.9479% | 461 |
| Noninterest income to average assets | 0.8625% | 1,792 |
| Noninterest expense to average assets | 3.6611% | 1,610 |
| Loan and lease loss provision to assets | 0.1088% | 5,234 |
| Net operating income to assets | 1.6959% | 555 |
| Return on assets (ROA) | 1.8312% | 467 |
| Pretax return on assets | 1.8312% | 755 |
| Return on Equity (ROE) | 18.5290% | 346 |
| Retained earnings to average equity (ytd only) | 6.9282% | 1,536 |
| Net charge-offs to loans | 0.0017% | 6,428 |
| Credit loss provision to net charge-offs | 8,200.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,360.0000% | 14 |
| Efficiency ratio | 66.9823% | 4,580 |
| Assets per employee ($millions) | 2.6173% | 6,702 |
| Cash dividends to net income (ytd only)* | 62.6087% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,364 |
| Loan loss allowance to noncurrent loans | 293.5961% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 6,321 |
| Noncurrent loans to loans | 0.3269% | 6,077 |
| Net loans and leases to total assets | 78.3253% | 673 |
| Net loans and leases to deposits | 87.4202% | 1,462 |
| Net loans and leases to core deposits | 90.1483% | 2,108 |
| Total domestic deposits to total assets | 89.5963% | 1,206 |
| Equity capital to assets | 10.1426% | 3,977 |
| Core capital (leverage) ratio | 9.9342% | 3,417 |
| Tier 1 risk-based capital ratio | 13.1671% | 4,946 |
| Total risk-based capital ratio | 14.1558% | 5,124 |
| Memoranda: | ||
| Average total assets | $75,360,400 | 5,591 |
| Average earning assets | $70,110,200 | 5,536 |
| Average equity | $7,447,800 | 5,735 |
| Average total loans | $58,186,600 | 4,937 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5790% | 1,079 |
| Cost of funding earning assets | 0.7104% | 5,698 |
| Net interest margin | 4.8687% | 545 |
| Noninterest income to average assets | 0.7688% | 2,200 |
| Noninterest expense to average assets | 3.4454% | 2,088 |
| Loan and lease loss provision to assets | 0.1019% | 5,168 |
| Net operating income to assets | 1.7433% | 574 |
| Return on assets (ROA) | 1.9256% | 439 |
| Pretax return on assets | 1.9256% | 737 |
| Return on Equity (ROE) | 19.6203% | 336 |
| Retained earnings to average equity (ytd only) | 7.8882% | 1,546 |
| Net charge-offs to loans | 0.0047% | 6,125 |
| Credit loss provision to net charge-offs | 2,850.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 515.3446% | 73 |
| Efficiency ratio | 65.1234% | 4,871 |
| Assets per employee ($millions) | 2.7299% | 6,608 |
| Cash dividends to net income (ytd only)* | 59.7962% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,476 |
| Loan loss allowance to noncurrent loans | 1,727.2727% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 6,948 |
| Noncurrent loans to loans | 0.0546% | 6,795 |
| Net loans and leases to total assets | 75.6780% | 1,023 |
| Net loans and leases to deposits | 84.2052% | 1,971 |
| Net loans and leases to core deposits | 86.7963% | 2,676 |
| Total domestic deposits to total assets | 89.8733% | 938 |
| Equity capital to assets | 9.9789% | 4,370 |
| Core capital (leverage) ratio | 9.9855% | 3,465 |
| Tier 1 risk-based capital ratio | 13.3041% | 4,877 |
| Total risk-based capital ratio | 14.2695% | 5,054 |
| Memoranda: | ||
| Average total assets | $74,570,500 | 5,659 |
| Average earning assets | $69,257,750 | 5,605 |
| Average equity | $7,318,750 | 5,813 |
| Average total loans | $57,209,000 | 5,025 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6080% | 1,060 |
| Cost of funding earning assets | 0.7511% | 5,660 |
| Net interest margin | 4.8569% | 544 |
| Noninterest income to average assets | 0.7859% | 2,091 |
| Noninterest expense to average assets | 3.5379% | 1,889 |
| Loan and lease loss provision to assets | 0.0685% | 5,450 |
| Net operating income to assets | 1.6950% | 608 |
| Return on assets (ROA) | 1.9743% | 375 |
| Pretax return on assets | 1.9743% | 616 |
| Return on Equity (ROE) | 20.2386% | 299 |
| Retained earnings to average equity (ytd only) | 8.3368% | 1,324 |
| Net charge-offs to loans | -0.0036% | 6,556 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7355% | 4,738 |
| Assets per employee ($millions) | 2.8324% | 6,418 |
| Cash dividends to net income (ytd only)* | 58.8072% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 6,614 |
| Loan loss allowance to noncurrent loans | 886.8852% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 6,762 |
| Noncurrent loans to loans | 0.1032% | 6,714 |
| Net loans and leases to total assets | 76.5950% | 984 |
| Net loans and leases to deposits | 85.3392% | 1,886 |
| Net loans and leases to core deposits | 88.0577% | 2,641 |
| Total domestic deposits to total assets | 89.7535% | 1,093 |
| Equity capital to assets | 10.1301% | 3,978 |
| Core capital (leverage) ratio | 10.3326% | 2,902 |
| Tier 1 risk-based capital ratio | 13.1188% | 4,826 |
| Total risk-based capital ratio | 14.0383% | 5,072 |
| Memoranda: | ||
| Average total assets | $73,038,330 | 5,751 |
| Average earning assets | $67,903,330 | 5,701 |
| Average equity | $7,125,000 | 5,886 |
| Average total loans | $56,118,000 | 5,115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6777% | 927 |
| Cost of funding earning assets | 0.7679% | 5,765 |
| Net interest margin | 4.9098% | 447 |
| Noninterest income to average assets | 0.7908% | 2,069 |
| Noninterest expense to average assets | 3.7185% | 1,507 |
| Loan and lease loss provision to assets | 0.0561% | 5,305 |
| Net operating income to assets | 1.5704% | 737 |
| Return on assets (ROA) | 1.5704% | 780 |
| Pretax return on assets | 1.5704% | 1,253 |
| Return on Equity (ROE) | 16.4367% | 635 |
| Retained earnings to average equity (ytd only) | 4.4614% | 3,500 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5698% | 4,361 |
| Assets per employee ($millions) | 2.6174% | 6,820 |
| Cash dividends to net income (ytd only)* | 72.8571% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 6,559 |
| Loan loss allowance to noncurrent loans | 52,500.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 7,026 |
| Noncurrent loans to loans | 0.0018% | 7,089 |
| Net loans and leases to total assets | 74.9311% | 1,192 |
| Net loans and leases to deposits | 84.9838% | 1,880 |
| Net loans and leases to core deposits | 88.0215% | 2,597 |
| Total domestic deposits to total assets | 88.1710% | 2,279 |
| Equity capital to assets | 10.3758% | 3,319 |
| Core capital (leverage) ratio | 10.4748% | 2,644 |
| Tier 1 risk-based capital ratio | 13.6880% | 4,294 |
| Total risk-based capital ratio | 14.6464% | 4,489 |
| Memoranda: | ||
| Average total assets | $71,320,000 | 5,838 |
| Average earning assets | $66,153,500 | 5,793 |
| Average equity | $6,814,000 | 5,984 |
| Average total loans | $54,618,500 | 5,228 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8845% | 1,075 |
| Cost of funding earning assets | 0.9444% | 5,958 |
| Net interest margin | 4.9401% | 497 |
| Noninterest income to average assets | 0.9335% | 1,732 |
| Noninterest expense to average assets | 3.8176% | 1,451 |
| Loan and lease loss provision to assets | 0.1507% | 5,692 |
| Net operating income to assets | 1.5349% | 708 |
| Return on assets (ROA) | 1.5349% | 773 |
| Pretax return on assets | 1.5349% | 1,286 |
| Return on Equity (ROE) | 17.8365% | 388 |
| Retained earnings to average equity (ytd only) | 6.1892% | 1,721 |
| Net charge-offs to loans | 0.0953% | 5,894 |
| Credit loss provision to net charge-offs | 206.0000% | 1,504 |
| Earnings coverage of net charge-offs (x) | 23.0400% | 917 |
| Efficiency ratio | 69.3698% | 4,304 |
| Assets per employee ($millions) | 2.4769% | 7,042 |
| Cash dividends to net income (ytd only)* | 65.3003% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,546 |
| Loan loss allowance to noncurrent loans | 8,583.3333% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 7,066 |
| Noncurrent loans to loans | 0.0112% | 7,132 |
| Net loans and leases to total assets | 76.8276% | 1,122 |
| Net loans and leases to deposits | 85.5966% | 2,168 |
| Net loans and leases to core deposits | 88.0202% | 3,048 |
| Total domestic deposits to total assets | 89.7555% | 1,232 |
| Equity capital to assets | 8.6859% | 5,607 |
| Core capital (leverage) ratio | 8.6633% | 5,087 |
| Tier 1 risk-based capital ratio | 11.2789% | 6,111 |
| Total risk-based capital ratio | 12.2598% | 6,291 |
| Memoranda: | ||
| Average total assets | $68,341,400 | 5,926 |
| Average earning assets | $63,217,000 | 5,883 |
| Average equity | $5,881,200 | 6,399 |
| Average total loans | $52,481,000 | 5,383 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8866% | 1,166 |
| Cost of funding earning assets | 0.9793% | 6,040 |
| Net interest margin | 4.9073% | 548 |
| Noninterest income to average assets | 0.9595% | 1,587 |
| Noninterest expense to average assets | 3.7734% | 1,424 |
| Loan and lease loss provision to assets | 0.1684% | 5,360 |
| Net operating income to assets | 1.5607% | 805 |
| Return on assets (ROA) | 1.5607% | 883 |
| Pretax return on assets | 1.5607% | 1,444 |
| Return on Equity (ROE) | 18.1788% | 471 |
| Retained earnings to average equity (ytd only) | 7.1164% | 1,789 |
| Net charge-offs to loans | 0.1125% | 5,414 |
| Credit loss provision to net charge-offs | 195.4545% | 1,825 |
| Earnings coverage of net charge-offs (x) | 20.0665% | 1,183 |
| Efficiency ratio | 68.5765% | 4,354 |
| Assets per employee ($millions) | 2.4561% | 7,124 |
| Cash dividends to net income (ytd only)* | 60.8532% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 6,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 7,204 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 78.7262% | 925 |
| Net loans and leases to deposits | 90.8831% | 1,599 |
| Net loans and leases to core deposits | 93.5642% | 2,581 |
| Total domestic deposits to total assets | 86.6235% | 2,738 |
| Equity capital to assets | 8.7364% | 5,960 |
| Core capital (leverage) ratio | 8.4724% | 5,557 |
| Tier 1 risk-based capital ratio | 11.1400% | 6,248 |
| Total risk-based capital ratio | 12.0965% | 6,487 |
| Memoranda: | ||
| Average total assets | $68,088,250 | 5,999 |
| Average earning assets | $63,033,750 | 5,954 |
| Average equity | $5,845,500 | 6,501 |
| Average total loans | $52,151,750 | 5,475 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9267% | 1,117 |
| Cost of funding earning assets | 0.9910% | 6,188 |
| Net interest margin | 4.9358% | 494 |
| Noninterest income to average assets | 0.9549% | 1,502 |
| Noninterest expense to average assets | 3.8343% | 1,295 |
| Loan and lease loss provision to assets | 0.1650% | 5,241 |
| Net operating income to assets | 1.5208% | 874 |
| Return on assets (ROA) | 1.5208% | 937 |
| Pretax return on assets | 1.5208% | 1,501 |
| Return on Equity (ROE) | 17.8197% | 476 |
| Retained earnings to average equity (ytd only) | 8.1501% | 1,395 |
| Net charge-offs to loans | 0.1169% | 5,006 |
| Credit loss provision to net charge-offs | 186.6667% | 2,115 |
| Earnings coverage of net charge-offs (x) | 19.0667% | 1,266 |
| Efficiency ratio | 69.4608% | 4,284 |
| Assets per employee ($millions) | 2.5429% | 7,042 |
| Cash dividends to net income (ytd only)* | 54.2636% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 6,725 |
| Loan loss allowance to noncurrent loans | 6,971.4286% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 7,230 |
| Noncurrent loans to loans | 0.0131% | 7,299 |
| Net loans and leases to total assets | 74.6419% | 1,779 |
| Net loans and leases to deposits | 85.5907% | 2,576 |
| Net loans and leases to core deposits | 88.0015% | 3,548 |
| Total domestic deposits to total assets | 87.2079% | 2,428 |
| Equity capital to assets | 8.3413% | 6,369 |
| Core capital (leverage) ratio | 8.2512% | 5,854 |
| Tier 1 risk-based capital ratio | 11.0188% | 6,220 |
| Total risk-based capital ratio | 11.9470% | 6,522 |
| Memoranda: | ||
| Average total assets | $67,861,000 | 6,047 |
| Average earning assets | $62,766,330 | 5,995 |
| Average equity | $5,791,330 | 6,536 |
| Average total loans | $51,321,000 | 5,551 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9216% | 1,150 |
| Cost of funding earning assets | 0.9946% | 6,404 |
| Net interest margin | 4.9270% | 490 |
| Noninterest income to average assets | 0.9246% | 1,538 |
| Noninterest expense to average assets | 4.0851% | 922 |
| Loan and lease loss provision to assets | 0.0665% | 5,971 |
| Net operating income to assets | 1.3234% | 1,241 |
| Return on assets (ROA) | 1.3234% | 1,315 |
| Pretax return on assets | 1.3234% | 1,989 |
| Return on Equity (ROE) | 15.3214% | 821 |
| Retained earnings to average equity (ytd only) | 3.4281% | 4,101 |
| Net charge-offs to loans | 0.0718% | 4,700 |
| Credit loss provision to net charge-offs | 122.2222% | 2,861 |
| Earnings coverage of net charge-offs (x) | 25.5556% | 982 |
| Efficiency ratio | 74.6137% | 3,465 |
| Assets per employee ($millions) | 2.3779% | 7,366 |
| Cash dividends to net income (ytd only)* | 77.6256% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 6,797 |
| Loan loss allowance to noncurrent loans | 15,466.6667% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 7,326 |
| Noncurrent loans to loans | 0.0059% | 7,405 |
| Net loans and leases to total assets | 75.4949% | 1,647 |
| Net loans and leases to deposits | 87.1478% | 2,387 |
| Net loans and leases to core deposits | 89.7864% | 3,390 |
| Total domestic deposits to total assets | 86.6285% | 2,830 |
| Equity capital to assets | 8.6270% | 5,837 |
| Core capital (leverage) ratio | 8.4185% | 5,528 |
| Tier 1 risk-based capital ratio | 11.4956% | 5,677 |
| Total risk-based capital ratio | 12.4470% | 5,917 |
| Memoranda: | ||
| Average total assets | $66,191,500 | 6,163 |
| Average earning assets | $61,132,500 | 6,126 |
| Average equity | $5,717,500 | 6,610 |
| Average total loans | $50,165,000 | 5,659 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2862% | 1,055 |
| Cost of funding earning assets | 1.1444% | 6,835 |
| Net interest margin | 5.1418% | 332 |
| Noninterest income to average assets | 0.8933% | 1,966 |
| Noninterest expense to average assets | 4.2426% | 1,047 |
| Loan and lease loss provision to assets | 0.1985% | 5,752 |
| Net operating income to assets | 1.0630% | 1,612 |
| Return on assets (ROA) | 1.3256% | 1,029 |
| Pretax return on assets | 1.3256% | 1,625 |
| Return on Equity (ROE) | 14.8472% | 689 |
| Retained earnings to average equity (ytd only) | 5.9712% | 1,360 |
| Net charge-offs to loans | 0.0655% | 6,457 |
| Credit loss provision to net charge-offs | 413.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 26.2667% | 857 |
| Efficiency ratio | 77.0797% | 3,351 |
| Assets per employee ($millions) | 2.2690% | 7,508 |
| Cash dividends to net income (ytd only)* | 59.7826% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 6,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.6767% | 2,099 |
| Net loans and leases to deposits | 86.3100% | 2,855 |
| Net loans and leases to core deposits | 101.0987% | 3,890 |
| Total domestic deposits to total assets | 86.5215% | 2,751 |
| Equity capital to assets | 8.6488% | 5,665 |
| Core capital (leverage) ratio | 8.3883% | 5,458 |
| Tier 1 risk-based capital ratio | 11.5244% | 5,376 |
| Total risk-based capital ratio | 12.4824% | 5,633 |
| Memoranda: | ||
| Average total assets | $62,462,000 | 6,255 |
| Average earning assets | $56,011,200 | 6,290 |
| Average equity | $5,576,800 | 6,753 |
| Average total loans | $45,781,800 | 5,845 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3419% | 1,044 |
| Cost of funding earning assets | 1.1789% | 6,953 |
| Net interest margin | 5.1630% | 318 |
| Noninterest income to average assets | 0.8503% | 2,199 |
| Noninterest expense to average assets | 4.3421% | 866 |
| Loan and lease loss provision to assets | 0.1579% | 5,772 |
| Net operating income to assets | 0.9454% | 2,248 |
| Return on assets (ROA) | 1.3003% | 1,292 |
| Pretax return on assets | 1.3003% | 1,951 |
| Return on Equity (ROE) | 14.4426% | 849 |
| Retained earnings to average equity (ytd only) | 6.2721% | 1,820 |
| Net charge-offs to loans | 0.0744% | 5,947 |
| Credit loss provision to net charge-offs | 292.0000% | 1,425 |
| Earnings coverage of net charge-offs (x) | 20.4014% | 1,240 |
| Efficiency ratio | 79.7378% | 2,887 |
| Assets per employee ($millions) | 2.2699% | 7,531 |
| Cash dividends to net income (ytd only)* | 56.5724% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 6,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 76.4648% | 1,901 |
| Net loans and leases to deposits | 88.8170% | 2,817 |
| Net loans and leases to core deposits | 101.7269% | 4,184 |
| Total domestic deposits to total assets | 86.0926% | 2,657 |
| Equity capital to assets | 8.8788% | 5,663 |
| Core capital (leverage) ratio | 8.6511% | 5,219 |
| Tier 1 risk-based capital ratio | 11.2601% | 5,676 |
| Total risk-based capital ratio | 12.1141% | 6,051 |
| Memoranda: | ||
| Average total assets | $61,627,250 | 6,325 |
| Average earning assets | $54,850,500 | 6,384 |
| Average equity | $5,548,250 | 6,831 |
| Average total loans | $44,827,250 | 5,930 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4605% | 898 |
| Cost of funding earning assets | 1.2144% | 7,067 |
| Net interest margin | 5.2461% | 270 |
| Noninterest income to average assets | 0.7641% | 2,628 |
| Noninterest expense to average assets | 4.4634% | 801 |
| Loan and lease loss provision to assets | 0.1410% | 5,665 |
| Net operating income to assets | 0.7641% | 2,995 |
| Return on assets (ROA) | 1.3020% | 1,303 |
| Pretax return on assets | 1.3020% | 2,020 |
| Return on Equity (ROE) | 14.3927% | 925 |
| Retained earnings to average equity (ytd only) | 7.1420% | 1,531 |
| Net charge-offs to loans | 0.0921% | 5,264 |
| Credit loss provision to net charge-offs | 215.0000% | 2,137 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,703 |
| Efficiency ratio | 83.1399% | 2,587 |
| Assets per employee ($millions) | 2.2274% | 7,646 |
| Cash dividends to net income (ytd only)* | 50.3778% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 6,983 |
| Loan loss allowance to noncurrent loans | 13,033.3333% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 7,643 |
| Noncurrent loans to loans | 0.0065% | 7,552 |
| Net loans and leases to total assets | 73.2170% | 2,906 |
| Net loans and leases to deposits | 85.1638% | 3,702 |
| Net loans and leases to core deposits | 98.2148% | 4,675 |
| Total domestic deposits to total assets | 85.9720% | 2,808 |
| Equity capital to assets | 8.8812% | 5,478 |
| Core capital (leverage) ratio | 8.8545% | 4,853 |
| Tier 1 risk-based capital ratio | 11.6523% | 5,241 |
| Total risk-based capital ratio | 12.4927% | 5,563 |
| Memoranda: | ||
| Average total assets | $60,984,330 | 6,413 |
| Average earning assets | $53,525,330 | 6,491 |
| Average equity | $5,516,670 | 6,892 |
| Average total loans | $43,431,670 | 6,046 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4662% | 924 |
| Cost of funding earning assets | 1.2221% | 7,243 |
| Net interest margin | 5.2441% | 261 |
| Noninterest income to average assets | 0.7165% | 2,785 |
| Noninterest expense to average assets | 4.4251% | 767 |
| Loan and lease loss provision to assets | 0.1194% | 5,434 |
| Net operating income to assets | 0.8691% | 2,843 |
| Return on assets (ROA) | 0.8691% | 2,991 |
| Pretax return on assets | 0.8691% | 3,831 |
| Return on Equity (ROE) | 9.5178% | 2,522 |
| Retained earnings to average equity (ytd only) | 2.2523% | 4,623 |
| Net charge-offs to loans | 0.0190% | 5,301 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 551 |
| Efficiency ratio | 81.7402% | 2,571 |
| Assets per employee ($millions) | 2.1772% | 7,747 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 6,670 |
| Loan loss allowance to noncurrent loans | 1,324.1379% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 7,458 |
| Noncurrent loans to loans | 0.0692% | 7,327 |
| Net loans and leases to total assets | 68.1321% | 4,101 |
| Net loans and leases to deposits | 79.5016% | 4,690 |
| Net loans and leases to core deposits | 90.7331% | 5,483 |
| Total domestic deposits to total assets | 85.6991% | 2,872 |
| Equity capital to assets | 9.1353% | 5,172 |
| Core capital (leverage) ratio | 8.4102% | 5,704 |
| Tier 1 risk-based capital ratio | 11.9524% | 4,998 |
| Total risk-based capital ratio | 12.8258% | 5,235 |
| Memoranda: | ||
| Average total assets | $60,292,500 | 6,463 |
| Average earning assets | $54,004,000 | 6,501 |
| Average equity | $5,505,500 | 6,945 |
| Average total loans | $42,120,000 | 6,134 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0242% | 1,068 |
| Cost of funding earning assets | 1.5956% | 7,460 |
| Net interest margin | 5.4287% | 228 |
| Noninterest income to average assets | 0.9013% | 1,950 |
| Noninterest expense to average assets | 4.3750% | 973 |
| Loan and lease loss provision to assets | 0.0383% | 6,933 |
| Net operating income to assets | 1.3172% | 1,435 |
| Return on assets (ROA) | 1.3410% | 1,318 |
| Pretax return on assets | 1.3410% | 2,162 |
| Return on Equity (ROE) | 13.9654% | 1,116 |
| Retained earnings to average equity (ytd only) | 2.2421% | 3,817 |
| Net charge-offs to loans | 0.0078% | 6,835 |
| Credit loss provision to net charge-offs | 700.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 247.6667% | 196 |
| Efficiency ratio | 76.3451% | 3,178 |
| Assets per employee ($millions) | 2.0560% | 7,860 |
| Cash dividends to net income (ytd only)* | 83.9456% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 6,811 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 7,365 |
| Noncurrent loans to loans | 0.0756% | 7,197 |
| Net loans and leases to total assets | 70.3643% | 3,933 |
| Net loans and leases to deposits | 82.2805% | 4,684 |
| Net loans and leases to core deposits | 92.8597% | 5,559 |
| Total domestic deposits to total assets | 85.5176% | 2,624 |
| Equity capital to assets | 9.1272% | 5,184 |
| Core capital (leverage) ratio | 8.8681% | 4,941 |
| Tier 1 risk-based capital ratio | 11.5742% | 5,172 |
| Total risk-based capital ratio | 12.3895% | 5,488 |
| Memoranda: | ||
| Average total assets | $54,811,400 | 6,586 |
| Average earning assets | $48,759,800 | 6,645 |
| Average equity | $5,263,000 | 7,060 |
| Average total loans | $38,438,600 | 6,247 |