Home > Community Bank of El Dorado Springs > Performance and Condition Ratios
Community Bank of El Dorado Springs, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 2,453 |
| Cost of funding earning assets | 1.2595% | 2,634 |
| Net interest margin | 3.5492% | 2,069 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.6705% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0676% | 422 |
| Return on assets (ROA) | 2.0676% | 410 |
| Pretax return on assets | 2.0676% | 610 |
| Return on Equity (ROE) | 13.8500% | 1,514 |
| Retained earnings to average equity (ytd only) | 6.2332% | 2,161 |
| Net charge-offs to loans | 0.0034% | 2,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,273.0000% | 125 |
| Efficiency ratio | 44.6882% | 4,236 |
| Assets per employee ($millions) | 6.9055% | 2,133 |
| Cash dividends to net income (ytd only)* | 54.9882% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,164 |
| Loan loss allowance to noncurrent loans | 388.0383% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 2,421 |
| Noncurrent loans to loans | 0.3149% | 2,060 |
| Net loans and leases to total assets | 52.7500% | 3,432 |
| Net loans and leases to deposits | 62.6486% | 3,373 |
| Net loans and leases to core deposits | 65.0212% | 3,540 |
| Total domestic deposits to total assets | 84.2000% | 2,562 |
| Equity capital to assets | 15.6035% | 498 |
| Core capital (leverage) ratio | 15.8520% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $123,137,800 | 3,616 |
| Average earning assets | $120,843,600 | 3,536 |
| Average equity | $18,385,400 | 2,982 |
| Average total loans | $58,985,200 | 3,723 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 2,476 |
| Cost of funding earning assets | 1.1411% | 2,618 |
| Net interest margin | 3.5585% | 2,092 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.6530% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0893% | 441 |
| Return on assets (ROA) | 2.0893% | 436 |
| Pretax return on assets | 2.0893% | 669 |
| Return on Equity (ROE) | 14.1500% | 1,615 |
| Retained earnings to average equity (ytd only) | 3.8603% | 3,296 |
| Net charge-offs to loans | 0.0047% | 2,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 962.5000% | 166 |
| Efficiency ratio | 44.1705% | 4,218 |
| Assets per employee ($millions) | 6.8908% | 2,041 |
| Cash dividends to net income (ytd only)* | 72.7273% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 1,739 |
| Loan loss allowance to noncurrent loans | 380.7512% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,440 |
| Noncurrent loans to loans | 0.3493% | 1,971 |
| Net loans and leases to total assets | 48.5100% | 3,711 |
| Net loans and leases to deposits | 56.8852% | 3,665 |
| Net loans and leases to core deposits | 58.8376% | 3,749 |
| Total domestic deposits to total assets | 85.2800% | 2,421 |
| Equity capital to assets | 14.5596% | 581 |
| Core capital (leverage) ratio | 15.5394% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $122,847,500 | 3,636 |
| Average earning assets | $120,346,500 | 3,550 |
| Average equity | $18,133,000 | 2,995 |
| Average total loans | $57,136,750 | 3,753 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,438 |
| Cost of funding earning assets | 1.0139% | 2,559 |
| Net interest margin | 3.5738% | 2,091 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.6741% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0792% | 417 |
| Return on assets (ROA) | 2.0792% | 412 |
| Pretax return on assets | 2.0792% | 648 |
| Return on Equity (ROE) | 14.0200% | 1,679 |
| Retained earnings to average equity (ytd only) | 7.4128% | 2,159 |
| Net charge-offs to loans | 0.0072% | 1,965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 636.5000% | 230 |
| Efficiency ratio | 44.6040% | 4,230 |
| Assets per employee ($millions) | 6.5511% | 2,253 |
| Cash dividends to net income (ytd only)* | 47.1328% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 1,521 |
| Loan loss allowance to noncurrent loans | 405.5000% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 2,429 |
| Noncurrent loans to loans | 0.3462% | 1,892 |
| Net loans and leases to total assets | 45.7600% | 3,804 |
| Net loans and leases to deposits | 53.8124% | 3,755 |
| Net loans and leases to core deposits | 55.5115% | 3,831 |
| Total domestic deposits to total assets | 85.0400% | 2,534 |
| Equity capital to assets | 14.8349% | 542 |
| Core capital (leverage) ratio | 15.8460% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $122,451,667 | 3,652 |
| Average earning assets | $119,929,667 | 3,571 |
| Average equity | $18,157,667 | 3,011 |
| Average total loans | $55,854,667 | 3,779 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 2,218 |
| Cost of funding earning assets | 0.8667% | 2,485 |
| Net interest margin | 3.6750% | 1,953 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.6238% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2233% | 354 |
| Return on assets (ROA) | 2.2233% | 351 |
| Pretax return on assets | 2.2233% | 552 |
| Return on Equity (ROE) | 15.0000% | 1,548 |
| Retained earnings to average equity (ytd only) | 10.5532% | 1,568 |
| Net charge-offs to loans | 0.0146% | 1,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 337.5000% | 334 |
| Efficiency ratio | 42.2089% | 4,383 |
| Assets per employee ($millions) | 6.8573% | 2,069 |
| Cash dividends to net income (ytd only)* | 29.6296% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,413 |
| Loan loss allowance to noncurrent loans | 415.8974% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 2,398 |
| Noncurrent loans to loans | 0.3501% | 1,888 |
| Net loans and leases to total assets | 44.4600% | 3,845 |
| Net loans and leases to deposits | 52.3827% | 3,773 |
| Net loans and leases to core deposits | 54.0452% | 3,829 |
| Total domestic deposits to total assets | 84.8800% | 2,884 |
| Equity capital to assets | 15.0220% | 483 |
| Core capital (leverage) ratio | 15.7948% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $121,442,500 | 3,710 |
| Average earning assets | $119,073,500 | 3,621 |
| Average equity | $18,004,000 | 3,047 |
| Average total loans | $54,895,500 | 3,836 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 3,382 |
| Cost of funding earning assets | 0.3381% | 2,565 |
| Net interest margin | 3.0463% | 3,318 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.4853% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7219% | 519 |
| Return on assets (ROA) | 1.7219% | 492 |
| Pretax return on assets | 1.7219% | 877 |
| Return on Equity (ROE) | 12.2700% | 2,051 |
| Retained earnings to average equity (ytd only) | 4.2942% | 3,303 |
| Net charge-offs to loans | -0.0057% | 3,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.3111% | 4,328 |
| Assets per employee ($millions) | 7.0266% | 1,953 |
| Cash dividends to net income (ytd only)* | 64.9954% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 383 |
| Loan loss allowance to noncurrent loans | 500.8929% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 2,245 |
| Noncurrent loans to loans | 0.4141% | 1,684 |
| Net loans and leases to total assets | 44.3500% | 3,876 |
| Net loans and leases to deposits | 51.9654% | 3,803 |
| Net loans and leases to core deposits | 53.2846% | 3,849 |
| Total domestic deposits to total assets | 85.3400% | 2,899 |
| Equity capital to assets | 14.6217% | 515 |
| Core capital (leverage) ratio | 14.9343% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $125,091,000 | 3,686 |
| Average earning assets | $122,445,200 | 3,592 |
| Average equity | $17,558,600 | 3,158 |
| Average total loans | $52,327,600 | 3,856 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0839% | 3,714 |
| Cost of funding earning assets | 0.2721% | 2,466 |
| Net interest margin | 2.8118% | 3,713 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.4629% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4903% | 872 |
| Return on assets (ROA) | 1.4903% | 856 |
| Pretax return on assets | 1.4903% | 1,438 |
| Return on Equity (ROE) | 10.7200% | 2,495 |
| Retained earnings to average equity (ytd only) | 0.1062% | 4,321 |
| Net charge-offs to loans | -0.0051% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.5360% | 4,186 |
| Assets per employee ($millions) | 7.4799% | 1,622 |
| Cash dividends to net income (ytd only)* | 99.0099% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 404 |
| Loan loss allowance to noncurrent loans | 578.3505% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,548 |
| Noncurrent loans to loans | 0.3643% | 1,932 |
| Net loans and leases to total assets | 41.0000% | 4,028 |
| Net loans and leases to deposits | 47.1032% | 3,987 |
| Net loans and leases to core deposits | 48.4435% | 4,015 |
| Total domestic deposits to total assets | 87.0400% | 2,744 |
| Equity capital to assets | 12.9436% | 684 |
| Core capital (leverage) ratio | 14.0079% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $126,500,500 | 3,697 |
| Average earning assets | $123,000,750 | 3,612 |
| Average equity | $17,581,750 | 3,190 |
| Average total loans | $51,885,500 | 3,883 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7421% | 4,083 |
| Cost of funding earning assets | 0.2580% | 2,163 |
| Net interest margin | 2.4841% | 4,107 |
| Noninterest income to average assets | 0.2122% | 3,930 |
| Noninterest expense to average assets | 1.4396% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1973% | 1,438 |
| Return on assets (ROA) | 1.1973% | 1,421 |
| Pretax return on assets | 1.1973% | 2,085 |
| Return on Equity (ROE) | 8.4206% | 2,889 |
| Retained earnings to average equity (ytd only) | 1.7376% | 3,815 |
| Net charge-offs to loans | -0.0078% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5946% | 3,909 |
| Assets per employee ($millions) | 7.9782% | 1,317 |
| Cash dividends to net income (ytd only)* | 79.3651% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 371 |
| Loan loss allowance to noncurrent loans | 542.0290% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 2,573 |
| Noncurrent loans to loans | 0.4106% | 1,889 |
| Net loans and leases to total assets | 38.6186% | 4,141 |
| Net loans and leases to deposits | 44.8150% | 4,077 |
| Net loans and leases to core deposits | 46.2154% | 4,117 |
| Total domestic deposits to total assets | 86.1732% | 3,205 |
| Equity capital to assets | 13.8048% | 547 |
| Core capital (leverage) ratio | 14.3258% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,281,000 | 3,739 |
| Average earning assets | $123,263,000 | 3,658 |
| Average equity | $17,956,000 | 3,236 |
| Average total loans | $51,429,667 | 3,939 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5754% | 4,167 |
| Cost of funding earning assets | 0.2624% | 2,014 |
| Net interest margin | 2.3130% | 4,216 |
| Noninterest income to average assets | 0.2070% | 3,921 |
| Noninterest expense to average assets | 1.3121% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1688% | 1,331 |
| Return on assets (ROA) | 1.1688% | 1,328 |
| Pretax return on assets | 1.1688% | 1,922 |
| Return on Equity (ROE) | 8.1002% | 2,649 |
| Retained earnings to average equity (ytd only) | 3.6859% | 3,045 |
| Net charge-offs to loans | -0.0154% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8883% | 4,132 |
| Assets per employee ($millions) | 7.8593% | 1,465 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 469 |
| Loan loss allowance to noncurrent loans | 663.9053% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 2,853 |
| Noncurrent loans to loans | 0.3258% | 2,309 |
| Net loans and leases to total assets | 40.3529% | 3,989 |
| Net loans and leases to deposits | 47.0937% | 3,924 |
| Net loans and leases to core deposits | 48.5960% | 3,956 |
| Total domestic deposits to total assets | 85.6865% | 3,350 |
| Equity capital to assets | 14.2897% | 480 |
| Core capital (leverage) ratio | 14.3766% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,596,000 | 3,765 |
| Average earning assets | $123,474,500 | 3,678 |
| Average equity | $18,123,000 | 3,317 |
| Average total loans | $51,935,000 | 3,942 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0255% | 3,827 |
| Cost of funding earning assets | 0.3261% | 2,153 |
| Net interest margin | 2.6995% | 3,871 |
| Noninterest income to average assets | 0.1910% | 4,210 |
| Noninterest expense to average assets | 1.4115% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4331% | 1,175 |
| Return on assets (ROA) | 1.4331% | 1,250 |
| Pretax return on assets | 1.4331% | 1,934 |
| Return on Equity (ROE) | 9.8432% | 2,586 |
| Retained earnings to average equity (ytd only) | 2.1575% | 3,937 |
| Net charge-offs to loans | -0.0834% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6207% | 4,312 |
| Assets per employee ($millions) | 8.9603% | 928 |
| Cash dividends to net income (ytd only)* | 78.0814% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1536% | 486 |
| Loan loss allowance to noncurrent loans | 493.3921% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 2,672 |
| Noncurrent loans to loans | 0.4365% | 2,045 |
| Net loans and leases to total assets | 40.5639% | 4,061 |
| Net loans and leases to deposits | 47.4966% | 4,022 |
| Net loans and leases to core deposits | 49.0203% | 4,053 |
| Total domestic deposits to total assets | 85.4038% | 3,131 |
| Equity capital to assets | 14.5698% | 562 |
| Core capital (leverage) ratio | 14.1670% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,113,200 | 3,745 |
| Average earning assets | $122,986,400 | 3,651 |
| Average equity | $18,215,600 | 3,367 |
| Average total loans | $51,588,200 | 3,966 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0600% | 3,888 |
| Cost of funding earning assets | 0.3376% | 2,225 |
| Net interest margin | 2.7224% | 3,929 |
| Noninterest income to average assets | 0.1834% | 4,280 |
| Noninterest expense to average assets | 1.4034% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4545% | 1,383 |
| Return on assets (ROA) | 1.4545% | 1,445 |
| Pretax return on assets | 1.4545% | 2,138 |
| Return on Equity (ROE) | 9.9923% | 2,737 |
| Retained earnings to average equity (ytd only) | -0.2637% | 4,595 |
| Net charge-offs to loans | -0.0104% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1045% | 4,289 |
| Assets per employee ($millions) | 7.4344% | 1,604 |
| Cash dividends to net income (ytd only)* | 102.6393% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0749% | 564 |
| Loan loss allowance to noncurrent loans | 324.6246% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 2,450 |
| Noncurrent loans to loans | 0.6392% | 1,708 |
| Net loans and leases to total assets | 40.3671% | 4,190 |
| Net loans and leases to deposits | 47.1067% | 4,166 |
| Net loans and leases to core deposits | 48.5932% | 4,210 |
| Total domestic deposits to total assets | 85.6929% | 2,871 |
| Equity capital to assets | 14.2098% | 687 |
| Core capital (leverage) ratio | 13.8146% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,030,500 | 3,780 |
| Average earning assets | $122,829,750 | 3,687 |
| Average equity | $18,200,250 | 3,410 |
| Average total loans | $51,484,000 | 4,023 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0504% | 3,957 |
| Cost of funding earning assets | 0.3531% | 2,290 |
| Net interest margin | 2.6973% | 3,982 |
| Noninterest income to average assets | 0.1621% | 4,387 |
| Noninterest expense to average assets | 1.4015% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4095% | 1,539 |
| Return on assets (ROA) | 1.4095% | 1,603 |
| Pretax return on assets | 1.4095% | 2,302 |
| Return on Equity (ROE) | 9.6058% | 2,907 |
| Retained earnings to average equity (ytd only) | 3.0415% | 3,825 |
| Net charge-offs to loans | -0.0156% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8572% | 4,248 |
| Assets per employee ($millions) | 7.5179% | 1,470 |
| Cash dividends to net income (ytd only)* | 68.3371% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1109% | 494 |
| Loan loss allowance to noncurrent loans | 310.6322% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 2,567 |
| Noncurrent loans to loans | 0.6796% | 1,724 |
| Net loans and leases to total assets | 39.2233% | 4,321 |
| Net loans and leases to deposits | 45.8838% | 4,315 |
| Net loans and leases to core deposits | 47.2064% | 4,359 |
| Total domestic deposits to total assets | 85.4840% | 2,918 |
| Equity capital to assets | 14.3360% | 653 |
| Core capital (leverage) ratio | 14.0353% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,579,000 | 3,802 |
| Average earning assets | $122,344,000 | 3,709 |
| Average equity | $18,280,667 | 3,404 |
| Average total loans | $51,279,000 | 4,053 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9288% | 4,215 |
| Cost of funding earning assets | 0.3748% | 2,317 |
| Net interest margin | 2.5540% | 4,229 |
| Noninterest income to average assets | 0.1139% | 4,623 |
| Noninterest expense to average assets | 1.4606% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1580% | 2,306 |
| Return on assets (ROA) | 1.1580% | 2,372 |
| Pretax return on assets | 1.1580% | 2,958 |
| Return on Equity (ROE) | 7.7985% | 3,390 |
| Retained earnings to average equity (ytd only) | 3.4173% | 3,656 |
| Net charge-offs to loans | -0.0234% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7764% | 3,572 |
| Assets per employee ($millions) | 7.7993% | 1,289 |
| Cash dividends to net income (ytd only)* | 56.1798% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1111% | 488 |
| Loan loss allowance to noncurrent loans | 305.9490% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 2,736 |
| Noncurrent loans to loans | 0.6900% | 1,856 |
| Net loans and leases to total assets | 40.1309% | 4,332 |
| Net loans and leases to deposits | 47.1571% | 4,300 |
| Net loans and leases to core deposits | 48.4384% | 4,361 |
| Total domestic deposits to total assets | 85.1004% | 3,057 |
| Equity capital to assets | 14.6712% | 549 |
| Core capital (leverage) ratio | 14.6006% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,966,500 | 3,830 |
| Average earning assets | $120,594,000 | 3,733 |
| Average equity | $18,260,000 | 3,400 |
| Average total loans | $51,313,500 | 4,065 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5118% | 4,005 |
| Cost of funding earning assets | 0.6776% | 1,832 |
| Net interest margin | 2.8342% | 4,203 |
| Noninterest income to average assets | 0.1972% | 4,296 |
| Noninterest expense to average assets | 1.5350% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4395% | 934 |
| Return on assets (ROA) | 1.4395% | 1,020 |
| Pretax return on assets | 1.4395% | 1,543 |
| Return on Equity (ROE) | 8.9930% | 2,396 |
| Retained earnings to average equity (ytd only) | 0.4309% | 4,385 |
| Net charge-offs to loans | 0.0205% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 585 |
| Efficiency ratio | 51.6052% | 4,410 |
| Assets per employee ($millions) | 7.5715% | 1,236 |
| Cash dividends to net income (ytd only)* | 95.2088% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0926% | 493 |
| Loan loss allowance to noncurrent loans | 254.0094% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 2,189 |
| Noncurrent loans to loans | 0.8238% | 1,700 |
| Net loans and leases to total assets | 41.5960% | 4,374 |
| Net loans and leases to deposits | 49.0104% | 4,356 |
| Net loans and leases to core deposits | 50.3845% | 4,405 |
| Total domestic deposits to total assets | 84.8717% | 2,818 |
| Equity capital to assets | 15.0333% | 568 |
| Core capital (leverage) ratio | 14.5122% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,097,600 | 3,841 |
| Average earning assets | $110,825,200 | 3,754 |
| Average equity | $18,103,000 | 3,354 |
| Average total loans | $53,634,200 | 4,034 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 3,966 |
| Cost of funding earning assets | 0.7468% | 1,765 |
| Net interest margin | 2.8769% | 4,218 |
| Noninterest income to average assets | 0.1908% | 4,333 |
| Noninterest expense to average assets | 1.5303% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4811% | 940 |
| Return on assets (ROA) | 1.4811% | 1,026 |
| Pretax return on assets | 1.4811% | 1,487 |
| Return on Equity (ROE) | 9.1022% | 2,354 |
| Retained earnings to average equity (ytd only) | -2.3309% | 4,726 |
| Net charge-offs to loans | 0.0098% | 2,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 308.5000% | 350 |
| Efficiency ratio | 50.8171% | 4,434 |
| Assets per employee ($millions) | 6.9846% | 1,509 |
| Cash dividends to net income (ytd only)* | 125.6078% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 526 |
| Loan loss allowance to noncurrent loans | 256.8720% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 2,322 |
| Noncurrent loans to loans | 0.7658% | 1,900 |
| Net loans and leases to total assets | 45.4977% | 4,341 |
| Net loans and leases to deposits | 53.6059% | 4,355 |
| Net loans and leases to core deposits | 55.1362% | 4,408 |
| Total domestic deposits to total assets | 84.8743% | 2,490 |
| Equity capital to assets | 15.0407% | 626 |
| Core capital (leverage) ratio | 14.9160% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,086,000 | 3,866 |
| Average earning assets | $108,909,250 | 3,775 |
| Average equity | $18,075,750 | 3,360 |
| Average total loans | $54,175,750 | 4,044 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 3,989 |
| Cost of funding earning assets | 0.8338% | 1,660 |
| Net interest margin | 2.9125% | 4,287 |
| Noninterest income to average assets | 0.2303% | 4,108 |
| Noninterest expense to average assets | 1.5866% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5018% | 923 |
| Return on assets (ROA) | 1.5018% | 996 |
| Pretax return on assets | 1.5018% | 1,453 |
| Return on Equity (ROE) | 8.9817% | 2,369 |
| Retained earnings to average equity (ytd only) | 2.3694% | 3,619 |
| Net charge-offs to loans | 0.0186% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 509 |
| Efficiency ratio | 51.3723% | 4,405 |
| Assets per employee ($millions) | 6.6599% | 1,671 |
| Cash dividends to net income (ytd only)* | 73.6196% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 469 |
| Loan loss allowance to noncurrent loans | 276.9821% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 2,361 |
| Noncurrent loans to loans | 0.7076% | 2,111 |
| Net loans and leases to total assets | 47.8462% | 4,265 |
| Net loans and leases to deposits | 57.2378% | 4,255 |
| Net loans and leases to core deposits | 58.9809% | 4,308 |
| Total domestic deposits to total assets | 83.5920% | 2,888 |
| Equity capital to assets | 16.2747% | 435 |
| Core capital (leverage) ratio | 16.1851% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,535,333 | 3,886 |
| Average earning assets | $106,504,667 | 3,799 |
| Average equity | $18,148,000 | 3,349 |
| Average total loans | $53,865,333 | 4,061 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 4,136 |
| Cost of funding earning assets | 0.9676% | 1,573 |
| Net interest margin | 2.8800% | 4,462 |
| Noninterest income to average assets | 0.2486% | 4,060 |
| Noninterest expense to average assets | 1.7478% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3372% | 1,140 |
| Return on assets (ROA) | 1.3372% | 1,228 |
| Pretax return on assets | 1.3372% | 1,759 |
| Return on Equity (ROE) | 7.8849% | 2,566 |
| Retained earnings to average equity (ytd only) | 3.4427% | 2,905 |
| Net charge-offs to loans | 0.0828% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 32.2727% | 1,134 |
| Efficiency ratio | 56.6545% | 4,143 |
| Assets per employee ($millions) | 6.6889% | 1,236 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0170% | 486 |
| Loan loss allowance to noncurrent loans | 274.7449% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,426 |
| Noncurrent loans to loans | 0.7341% | 2,163 |
| Net loans and leases to total assets | 48.8871% | 4,294 |
| Net loans and leases to deposits | 59.0419% | 4,242 |
| Net loans and leases to core deposits | 60.9648% | 4,315 |
| Total domestic deposits to total assets | 82.8007% | 3,170 |
| Equity capital to assets | 17.0937% | 431 |
| Core capital (leverage) ratio | 16.6852% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,193,500 | 3,899 |
| Average earning assets | $104,585,000 | 3,807 |
| Average equity | $18,009,000 | 3,369 |
| Average total loans | $53,171,000 | 4,088 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 4,233 |
| Cost of funding earning assets | 0.9827% | 1,799 |
| Net interest margin | 3.0304% | 4,484 |
| Noninterest income to average assets | 0.2856% | 3,976 |
| Noninterest expense to average assets | 1.6702% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5763% | 882 |
| Return on assets (ROA) | 1.5763% | 940 |
| Pretax return on assets | 1.5763% | 1,560 |
| Return on Equity (ROE) | 9.3986% | 2,569 |
| Retained earnings to average equity (ytd only) | 0.0857% | 4,665 |
| Net charge-offs to loans | 0.0359% | 2,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 91.3889% | 724 |
| Efficiency ratio | 51.4463% | 4,643 |
| Assets per employee ($millions) | 6.1979% | 1,487 |
| Cash dividends to net income (ytd only)* | 99.0881% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 421 |
| Loan loss allowance to noncurrent loans | 265.3659% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 2,248 |
| Noncurrent loans to loans | 0.7744% | 1,965 |
| Net loans and leases to total assets | 49.2165% | 4,360 |
| Net loans and leases to deposits | 59.2502% | 4,319 |
| Net loans and leases to core deposits | 61.2366% | 4,377 |
| Total domestic deposits to total assets | 83.0655% | 3,171 |
| Equity capital to assets | 16.8215% | 490 |
| Core capital (leverage) ratio | 16.3697% | 478 |
| Tier 1 risk-based capital ratio | 31.6543% | 430 |
| Total risk-based capital ratio | 32.9113% | 421 |
| Memoranda: | ||
| Average total assets | $104,357,600 | 3,928 |
| Average earning assets | $101,967,200 | 3,838 |
| Average equity | $17,502,600 | 3,389 |
| Average total loans | $50,189,600 | 4,178 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 4,328 |
| Cost of funding earning assets | 0.9622% | 1,926 |
| Net interest margin | 3.0550% | 4,551 |
| Noninterest income to average assets | 0.2907% | 3,993 |
| Noninterest expense to average assets | 1.5292% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7379% | 693 |
| Return on assets (ROA) | 1.7379% | 730 |
| Pretax return on assets | 1.7379% | 1,229 |
| Return on Equity (ROE) | 10.3701% | 2,262 |
| Retained earnings to average equity (ytd only) | -2.0862% | 4,933 |
| Net charge-offs to loans | 0.0296% | 2,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 123.3327% | 631 |
| Efficiency ratio | 46.8052% | 4,901 |
| Assets per employee ($millions) | 6.6390% | 1,198 |
| Cash dividends to net income (ytd only)* | 120.1178% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1768% | 343 |
| Loan loss allowance to noncurrent loans | 263.2212% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 2,363 |
| Noncurrent loans to loans | 0.8270% | 1,914 |
| Net loans and leases to total assets | 46.3257% | 4,586 |
| Net loans and leases to deposits | 55.4474% | 4,574 |
| Net loans and leases to core deposits | 57.1825% | 4,648 |
| Total domestic deposits to total assets | 83.5489% | 2,978 |
| Equity capital to assets | 16.3391% | 580 |
| Core capital (leverage) ratio | 16.0214% | 555 |
| Tier 1 risk-based capital ratio | 32.0001% | 428 |
| Total risk-based capital ratio | 33.2605% | 418 |
| Memoranda: | ||
| Average total assets | $104,105,750 | 3,975 |
| Average earning assets | $101,427,000 | 3,888 |
| Average equity | $17,447,250 | 3,419 |
| Average total loans | $49,500,750 | 4,244 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 4,355 |
| Cost of funding earning assets | 0.9334% | 1,985 |
| Net interest margin | 3.0764% | 4,576 |
| Noninterest income to average assets | 0.2979% | 3,946 |
| Noninterest expense to average assets | 1.5222% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7718% | 631 |
| Return on assets (ROA) | 1.7718% | 657 |
| Pretax return on assets | 1.7718% | 1,108 |
| Return on Equity (ROE) | 10.4819% | 2,184 |
| Retained earnings to average equity (ytd only) | 2.9295% | 3,752 |
| Net charge-offs to loans | 0.0081% | 2,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 458.0000% | 164 |
| Efficiency ratio | 46.2126% | 4,980 |
| Assets per employee ($millions) | 7.0081% | 997 |
| Cash dividends to net income (ytd only)* | 72.0524% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2317% | 321 |
| Loan loss allowance to noncurrent loans | 249.7738% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8752% | 1,603 |
| Noncurrent loans to loans | 0.8935% | 1,829 |
| Net loans and leases to total assets | 46.0089% | 4,640 |
| Net loans and leases to deposits | 55.5218% | 4,615 |
| Net loans and leases to core deposits | 57.4625% | 4,663 |
| Total domestic deposits to total assets | 82.8664% | 3,252 |
| Equity capital to assets | 17.0309% | 459 |
| Core capital (leverage) ratio | 16.7775% | 456 |
| Tier 1 risk-based capital ratio | 32.9417% | 392 |
| Total risk-based capital ratio | 34.2023% | 386 |
| Memoranda: | ||
| Average total assets | $103,399,670 | 4,011 |
| Average earning assets | $100,702,000 | 3,922 |
| Average equity | $17,477,670 | 3,419 |
| Average total loans | $49,233,000 | 4,274 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 4,415 |
| Cost of funding earning assets | 0.8650% | 2,182 |
| Net interest margin | 3.1114% | 4,574 |
| Noninterest income to average assets | 0.2965% | 3,894 |
| Noninterest expense to average assets | 1.4238% | 5,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9037% | 457 |
| Return on assets (ROA) | 1.9037% | 475 |
| Pretax return on assets | 1.9037% | 794 |
| Return on Equity (ROE) | 11.3061% | 1,821 |
| Retained earnings to average equity (ytd only) | 6.2091% | 2,362 |
| Net charge-offs to loans | 0.0163% | 2,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 329 |
| Efficiency ratio | 42.7902% | 5,140 |
| Assets per employee ($millions) | 6.9349% | 1,030 |
| Cash dividends to net income (ytd only)* | 45.0820% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2344% | 339 |
| Loan loss allowance to noncurrent loans | 211.4943% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9613% | 1,457 |
| Noncurrent loans to loans | 1.0565% | 1,577 |
| Net loans and leases to total assets | 46.4374% | 4,650 |
| Net loans and leases to deposits | 55.9674% | 4,603 |
| Net loans and leases to core deposits | 57.3467% | 4,663 |
| Total domestic deposits to total assets | 82.9722% | 3,398 |
| Equity capital to assets | 16.9230% | 455 |
| Core capital (leverage) ratio | 17.2243% | 401 |
| Tier 1 risk-based capital ratio | 32.1553% | 410 |
| Total risk-based capital ratio | 33.4140% | 404 |
| Memoranda: | ||
| Average total assets | $102,539,000 | 4,062 |
| Average earning assets | $99,889,500 | 3,970 |
| Average equity | $17,265,000 | 3,451 |
| Average total loans | $49,115,000 | 4,323 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 4,543 |
| Cost of funding earning assets | 0.5981% | 2,736 |
| Net interest margin | 3.1786% | 4,521 |
| Noninterest income to average assets | 0.3172% | 3,992 |
| Noninterest expense to average assets | 1.4283% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9829% | 376 |
| Return on assets (ROA) | 1.9829% | 372 |
| Pretax return on assets | 1.9829% | 582 |
| Return on Equity (ROE) | 12.5133% | 1,544 |
| Retained earnings to average equity (ytd only) | 2.7448% | 4,029 |
| Net charge-offs to loans | 0.0339% | 2,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 615 |
| Efficiency ratio | 41.8708% | 5,246 |
| Assets per employee ($millions) | 7.2181% | 892 |
| Cash dividends to net income (ytd only)* | 78.0651% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2655% | 294 |
| Loan loss allowance to noncurrent loans | 173.8994% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1024% | 1,222 |
| Noncurrent loans to loans | 1.3027% | 1,211 |
| Net loans and leases to total assets | 47.2163% | 4,682 |
| Net loans and leases to deposits | 56.7753% | 4,630 |
| Net loans and leases to core deposits | 58.2063% | 4,694 |
| Total domestic deposits to total assets | 83.1635% | 3,274 |
| Equity capital to assets | 16.7495% | 438 |
| Core capital (leverage) ratio | 16.9827% | 407 |
| Tier 1 risk-based capital ratio | 31.7036% | 399 |
| Total risk-based capital ratio | 32.9637% | 399 |
| Memoranda: | ||
| Average total assets | $105,299,800 | 4,013 |
| Average earning assets | $102,497,800 | 3,941 |
| Average equity | $16,686,200 | 3,438 |
| Average total loans | $47,183,200 | 4,370 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 4,663 |
| Cost of funding earning assets | 0.5665% | 2,729 |
| Net interest margin | 3.1286% | 4,659 |
| Noninterest income to average assets | 0.3096% | 4,074 |
| Noninterest expense to average assets | 1.2937% | 5,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0621% | 332 |
| Return on assets (ROA) | 2.0621% | 330 |
| Pretax return on assets | 2.0621% | 532 |
| Return on Equity (ROE) | 13.1917% | 1,357 |
| Retained earnings to average equity (ytd only) | 0.1203% | 5,018 |
| Net charge-offs to loans | 0.0456% | 2,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 102.8261% | 735 |
| Efficiency ratio | 38.5506% | 5,360 |
| Assets per employee ($millions) | 7.2355% | 862 |
| Cash dividends to net income (ytd only)* | 99.0881% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3016% | 302 |
| Loan loss allowance to noncurrent loans | 213.1021% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 1,533 |
| Noncurrent loans to loans | 1.0801% | 1,576 |
| Net loans and leases to total assets | 46.3459% | 4,784 |
| Net loans and leases to deposits | 55.1811% | 4,783 |
| Net loans and leases to core deposits | 56.1460% | 4,844 |
| Total domestic deposits to total assets | 83.9887% | 2,945 |
| Equity capital to assets | 15.9353% | 553 |
| Core capital (leverage) ratio | 16.1945% | 494 |
| Tier 1 risk-based capital ratio | 31.0252% | 430 |
| Total risk-based capital ratio | 32.2850% | 428 |
| Memoranda: | ||
| Average total assets | $106,361,250 | 4,035 |
| Average earning assets | $103,557,500 | 3,962 |
| Average equity | $16,626,250 | 3,463 |
| Average total loans | $46,774,000 | 4,421 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 4,743 |
| Cost of funding earning assets | 0.5365% | 2,721 |
| Net interest margin | 3.0784% | 4,771 |
| Noninterest income to average assets | 0.3054% | 4,132 |
| Noninterest expense to average assets | 1.2346% | 5,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0657% | 326 |
| Return on assets (ROA) | 2.0657% | 323 |
| Pretax return on assets | 2.0657% | 520 |
| Return on Equity (ROE) | 13.2955% | 1,266 |
| Retained earnings to average equity (ytd only) | 5.4326% | 2,856 |
| Net charge-offs to loans | 0.0561% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 85.8462% | 785 |
| Efficiency ratio | 37.4089% | 5,435 |
| Assets per employee ($millions) | 7.1711% | 867 |
| Cash dividends to net income (ytd only)* | 59.1398% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3578% | 291 |
| Loan loss allowance to noncurrent loans | 228.6598% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 1,722 |
| Noncurrent loans to loans | 1.0311% | 1,708 |
| Net loans and leases to total assets | 42.6962% | 4,958 |
| Net loans and leases to deposits | 50.6306% | 4,960 |
| Net loans and leases to core deposits | 51.7178% | 5,001 |
| Total domestic deposits to total assets | 84.3288% | 2,948 |
| Equity capital to assets | 15.6135% | 572 |
| Core capital (leverage) ratio | 15.9765% | 499 |
| Tier 1 risk-based capital ratio | 32.0113% | 409 |
| Total risk-based capital ratio | 33.2708% | 402 |
| Memoranda: | ||
| Average total assets | $108,049,330 | 4,047 |
| Average earning assets | $105,118,330 | 3,966 |
| Average equity | $16,787,670 | 3,462 |
| Average total loans | $46,347,670 | 4,477 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 4,795 |
| Cost of funding earning assets | 0.5010% | 2,790 |
| Net interest margin | 3.0477% | 4,799 |
| Noninterest income to average assets | 0.2992% | 4,162 |
| Noninterest expense to average assets | 1.1709% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0944% | 298 |
| Return on assets (ROA) | 2.0944% | 300 |
| Pretax return on assets | 2.0944% | 472 |
| Return on Equity (ROE) | 13.5129% | 1,134 |
| Retained earnings to average equity (ytd only) | 8.2698% | 1,740 |
| Net charge-offs to loans | 0.1130% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.6154% | 1,018 |
| Efficiency ratio | 35.8597% | 5,515 |
| Assets per employee ($millions) | 7.2293% | 873 |
| Cash dividends to net income (ytd only)* | 38.8007% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4131% | 278 |
| Loan loss allowance to noncurrent loans | 162.1345% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 1,503 |
| Noncurrent loans to loans | 1.4883% | 1,186 |
| Net loans and leases to total assets | 41.3574% | 5,007 |
| Net loans and leases to deposits | 48.9628% | 5,009 |
| Net loans and leases to core deposits | 50.3508% | 5,033 |
| Total domestic deposits to total assets | 84.4670% | 3,128 |
| Equity capital to assets | 15.4777% | 570 |
| Core capital (leverage) ratio | 16.0640% | 482 |
| Tier 1 risk-based capital ratio | 32.3764% | 394 |
| Total risk-based capital ratio | 33.6359% | 388 |
| Memoranda: | ||
| Average total assets | $108,290,500 | 4,095 |
| Average earning assets | $105,389,500 | 4,003 |
| Average equity | $16,784,000 | 3,501 |
| Average total loans | $46,003,500 | 4,539 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 4,636 |
| Cost of funding earning assets | 0.4557% | 2,717 |
| Net interest margin | 3.1144% | 4,659 |
| Noninterest income to average assets | 0.2352% | 4,726 |
| Noninterest expense to average assets | 1.3847% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8777% | 357 |
| Return on assets (ROA) | 1.8777% | 364 |
| Pretax return on assets | 1.8777% | 634 |
| Return on Equity (ROE) | 11.7643% | 1,276 |
| Retained earnings to average equity (ytd only) | 2.1185% | 4,048 |
| Net charge-offs to loans | 0.0557% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 76.4615% | 799 |
| Efficiency ratio | 42.4435% | 5,488 |
| Assets per employee ($millions) | 7.7244% | 697 |
| Cash dividends to net income (ytd only)* | 81.9920% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4365% | 268 |
| Loan loss allowance to noncurrent loans | 178.3784% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0172% | 1,506 |
| Noncurrent loans to loans | 1.3659% | 1,272 |
| Net loans and leases to total assets | 41.5458% | 5,081 |
| Net loans and leases to deposits | 49.2114% | 5,088 |
| Net loans and leases to core deposits | 50.6077% | 5,117 |
| Total domestic deposits to total assets | 84.4231% | 3,063 |
| Equity capital to assets | 15.5205% | 583 |
| Core capital (leverage) ratio | 15.5641% | 533 |
| Tier 1 risk-based capital ratio | 29.8316% | 467 |
| Total risk-based capital ratio | 31.0898% | 461 |
| Memoranda: | ||
| Average total assets | $105,874,600 | 4,139 |
| Average earning assets | $102,910,000 | 4,047 |
| Average equity | $16,898,600 | 3,491 |
| Average total loans | $46,681,200 | 4,543 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 4,630 |
| Cost of funding earning assets | 0.4417% | 2,792 |
| Net interest margin | 3.1309% | 4,620 |
| Noninterest income to average assets | 0.2621% | 4,634 |
| Noninterest expense to average assets | 1.2623% | 5,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0422% | 293 |
| Return on assets (ROA) | 2.0422% | 301 |
| Pretax return on assets | 2.0422% | 506 |
| Return on Equity (ROE) | 12.7050% | 1,120 |
| Retained earnings to average equity (ytd only) | -0.1339% | 5,228 |
| Net charge-offs to loans | 0.0569% | 2,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 80.6378% | 808 |
| Efficiency ratio | 38.1992% | 5,616 |
| Assets per employee ($millions) | 7.7281% | 696 |
| Cash dividends to net income (ytd only)* | 101.0541% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4231% | 295 |
| Loan loss allowance to noncurrent loans | 200.3552% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 1,781 |
| Noncurrent loans to loans | 1.2094% | 1,574 |
| Net loans and leases to total assets | 41.9838% | 5,114 |
| Net loans and leases to deposits | 49.7601% | 5,135 |
| Net loans and leases to core deposits | 51.1693% | 5,164 |
| Total domestic deposits to total assets | 84.3725% | 2,969 |
| Equity capital to assets | 15.5646% | 620 |
| Core capital (leverage) ratio | 15.6581% | 545 |
| Tier 1 risk-based capital ratio | 29.0960% | 514 |
| Total risk-based capital ratio | 30.3544% | 505 |
| Memoranda: | ||
| Average total assets | $105,308,000 | 4,191 |
| Average earning assets | $102,331,000 | 4,102 |
| Average equity | $16,927,250 | 3,528 |
| Average total loans | $46,839,000 | 4,583 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5937% | 4,527 |
| Cost of funding earning assets | 0.4418% | 2,677 |
| Net interest margin | 3.1519% | 4,540 |
| Noninterest income to average assets | 0.2568% | 4,694 |
| Noninterest expense to average assets | 1.2497% | 5,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0700% | 270 |
| Return on assets (ROA) | 2.0700% | 276 |
| Pretax return on assets | 2.0700% | 472 |
| Return on Equity (ROE) | 12.7386% | 1,102 |
| Retained earnings to average equity (ytd only) | 4.9539% | 2,741 |
| Net charge-offs to loans | 0.0895% | 1,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 51.4286% | 1,055 |
| Efficiency ratio | 37.6443% | 5,668 |
| Assets per employee ($millions) | 7.5837% | 714 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4443% | 298 |
| Loan loss allowance to noncurrent loans | 210.2612% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 1,853 |
| Noncurrent loans to loans | 1.1625% | 1,684 |
| Net loans and leases to total assets | 42.3662% | 5,126 |
| Net loans and leases to deposits | 50.6600% | 5,114 |
| Net loans and leases to core deposits | 51.6329% | 5,162 |
| Total domestic deposits to total assets | 83.6285% | 3,350 |
| Equity capital to assets | 16.3113% | 497 |
| Core capital (leverage) ratio | 15.8260% | 496 |
| Tier 1 risk-based capital ratio | 30.2457% | 453 |
| Total risk-based capital ratio | 31.5042% | 452 |
| Memoranda: | ||
| Average total assets | $104,346,000 | 4,240 |
| Average earning assets | $101,400,330 | 4,142 |
| Average equity | $16,956,330 | 3,536 |
| Average total loans | $46,934,670 | 4,610 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 4,421 |
| Cost of funding earning assets | 0.4252% | 2,765 |
| Net interest margin | 3.1752% | 4,423 |
| Noninterest income to average assets | 0.2630% | 4,658 |
| Noninterest expense to average assets | 1.1988% | 5,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1541% | 243 |
| Return on assets (ROA) | 2.1541% | 250 |
| Pretax return on assets | 2.1541% | 383 |
| Return on Equity (ROE) | 13.2813% | 943 |
| Retained earnings to average equity (ytd only) | 8.0355% | 1,447 |
| Net charge-offs to loans | -0.0507% | 5,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7555% | 5,757 |
| Assets per employee ($millions) | 7.5597% | 735 |
| Cash dividends to net income (ytd only)* | 39.4973% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4277% | 341 |
| Loan loss allowance to noncurrent loans | 216.5103% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0025% | 1,814 |
| Noncurrent loans to loans | 1.1213% | 1,821 |
| Net loans and leases to total assets | 43.8235% | 5,047 |
| Net loans and leases to deposits | 52.2285% | 5,024 |
| Net loans and leases to core deposits | 53.2815% | 5,094 |
| Total domestic deposits to total assets | 83.9072% | 3,512 |
| Equity capital to assets | 16.0409% | 490 |
| Core capital (leverage) ratio | 16.4792% | 408 |
| Tier 1 risk-based capital ratio | 29.5065% | 495 |
| Total risk-based capital ratio | 30.7664% | 496 |
| Memoranda: | ||
| Average total assets | $103,433,000 | 4,295 |
| Average earning assets | $100,655,000 | 4,194 |
| Average equity | $16,775,500 | 3,573 |
| Average total loans | $47,348,000 | 4,641 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 4,679 |
| Cost of funding earning assets | 0.4172% | 2,836 |
| Net interest margin | 3.1175% | 4,678 |
| Noninterest income to average assets | 0.3151% | 4,478 |
| Noninterest expense to average assets | 1.3241% | 5,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0122% | 309 |
| Return on assets (ROA) | 2.0122% | 324 |
| Pretax return on assets | 2.0122% | 487 |
| Return on Equity (ROE) | 12.6263% | 1,086 |
| Retained earnings to average equity (ytd only) | 4.4073% | 2,777 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6871% | 5,788 |
| Assets per employee ($millions) | 6.7353% | 1,037 |
| Cash dividends to net income (ytd only)* | 65.0943% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4342% | 338 |
| Loan loss allowance to noncurrent loans | 200.3490% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 1,724 |
| Noncurrent loans to loans | 1.2150% | 1,689 |
| Net loans and leases to total assets | 45.5439% | 5,039 |
| Net loans and leases to deposits | 54.5210% | 4,989 |
| Net loans and leases to core deposits | 54.7259% | 5,116 |
| Total domestic deposits to total assets | 83.5346% | 3,591 |
| Equity capital to assets | 16.4050% | 446 |
| Core capital (leverage) ratio | 16.3097% | 426 |
| Tier 1 risk-based capital ratio | 29.6525% | 490 |
| Total risk-based capital ratio | 30.9122% | 486 |
| Memoranda: | ||
| Average total assets | $105,356,000 | 4,249 |
| Average earning assets | $102,100,800 | 4,165 |
| Average equity | $16,790,400 | 3,578 |
| Average total loans | $46,110,400 | 4,686 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 4,741 |
| Cost of funding earning assets | 0.4166% | 2,871 |
| Net interest margin | 3.1088% | 4,749 |
| Noninterest income to average assets | 0.3019% | 4,609 |
| Noninterest expense to average assets | 1.1662% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1458% | 268 |
| Return on assets (ROA) | 2.1458% | 282 |
| Pretax return on assets | 2.1458% | 430 |
| Return on Equity (ROE) | 13.5590% | 907 |
| Retained earnings to average equity (ytd only) | 2.6358% | 4,336 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2118% | 5,894 |
| Assets per employee ($millions) | 6.8113% | 957 |
| Cash dividends to net income (ytd only)* | 80.5603% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 368 |
| Loan loss allowance to noncurrent loans | 163.7660% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2029% | 1,654 |
| Noncurrent loans to loans | 1.4771% | 1,458 |
| Net loans and leases to total assets | 45.3269% | 5,127 |
| Net loans and leases to deposits | 54.5285% | 5,081 |
| Net loans and leases to core deposits | 55.3967% | 5,179 |
| Total domestic deposits to total assets | 83.1250% | 3,535 |
| Equity capital to assets | 16.8192% | 446 |
| Core capital (leverage) ratio | 15.5133% | 555 |
| Tier 1 risk-based capital ratio | 28.7475% | 534 |
| Total risk-based capital ratio | 30.0066% | 528 |
| Memoranda: | ||
| Average total assets | $106,437,500 | 4,269 |
| Average earning assets | $103,060,750 | 4,164 |
| Average equity | $16,844,500 | 3,602 |
| Average total loans | $45,847,750 | 4,735 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 4,873 |
| Cost of funding earning assets | 0.4124% | 2,917 |
| Net interest margin | 3.0843% | 4,873 |
| Noninterest income to average assets | 0.2781% | 4,792 |
| Noninterest expense to average assets | 1.1700% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0897% | 286 |
| Return on assets (ROA) | 2.0897% | 303 |
| Pretax return on assets | 2.0897% | 477 |
| Return on Equity (ROE) | 13.4717% | 932 |
| Retained earnings to average equity (ytd only) | 5.5823% | 2,372 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8931% | 5,968 |
| Assets per employee ($millions) | 7.2861% | 768 |
| Cash dividends to net income (ytd only)* | 58.5626% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4822% | 370 |
| Loan loss allowance to noncurrent loans | 196.5753% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 2,065 |
| Noncurrent loans to loans | 1.2627% | 1,810 |
| Net loans and leases to total assets | 41.2674% | 5,368 |
| Net loans and leases to deposits | 49.0810% | 5,378 |
| Net loans and leases to core deposits | 50.7357% | 5,407 |
| Total domestic deposits to total assets | 84.0803% | 3,230 |
| Equity capital to assets | 15.8667% | 570 |
| Core capital (leverage) ratio | 15.1631% | 581 |
| Tier 1 risk-based capital ratio | 28.5305% | 564 |
| Total risk-based capital ratio | 29.7890% | 553 |
| Memoranda: | ||
| Average total assets | $107,860,330 | 4,267 |
| Average earning assets | $104,270,000 | 4,169 |
| Average equity | $16,731,330 | 3,624 |
| Average total loans | $45,311,000 | 4,790 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5582% | 4,740 |
| Cost of funding earning assets | 0.4113% | 2,943 |
| Net interest margin | 3.1469% | 4,739 |
| Noninterest income to average assets | 0.2800% | 4,707 |
| Noninterest expense to average assets | 1.2021% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1056% | 278 |
| Return on assets (ROA) | 2.1056% | 287 |
| Pretax return on assets | 2.1056% | 459 |
| Return on Equity (ROE) | 13.7339% | 891 |
| Retained earnings to average equity (ytd only) | 8.3767% | 1,309 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3431% | 6,023 |
| Assets per employee ($millions) | 7.2543% | 794 |
| Cash dividends to net income (ytd only)* | 39.0071% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5932% | 357 |
| Loan loss allowance to noncurrent loans | 183.9744% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1074% | 1,996 |
| Noncurrent loans to loans | 1.4096% | 1,698 |
| Net loans and leases to total assets | 39.6278% | 5,469 |
| Net loans and leases to deposits | 46.8783% | 5,468 |
| Net loans and leases to core deposits | 47.7790% | 5,516 |
| Total domestic deposits to total assets | 84.5334% | 3,302 |
| Equity capital to assets | 15.3995% | 621 |
| Core capital (leverage) ratio | 15.1297% | 584 |
| Tier 1 risk-based capital ratio | 29.0729% | 546 |
| Total risk-based capital ratio | 30.3327% | 539 |
| Memoranda: | ||
| Average total assets | $107,144,500 | 4,325 |
| Average earning assets | $103,086,500 | 4,234 |
| Average equity | $16,426,500 | 3,671 |
| Average total loans | $44,841,500 | 4,837 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4799% | 4,972 |
| Cost of funding earning assets | 0.4065% | 3,086 |
| Net interest margin | 3.0734% | 4,969 |
| Noninterest income to average assets | 0.2257% | 5,246 |
| Noninterest expense to average assets | 1.3877% | 6,037 |
| Loan and lease loss provision to assets | 0.0949% | 2,423 |
| Net operating income to assets | 1.7339% | 542 |
| Return on assets (ROA) | 1.7339% | 566 |
| Pretax return on assets | 1.7339% | 923 |
| Return on Equity (ROE) | 11.5440% | 1,427 |
| Retained earnings to average equity (ytd only) | 5.9867% | 1,796 |
| Net charge-offs to loans | 0.0254% | 3,730 |
| Credit loss provision to net charge-offs | 909.0909% | 371 |
| Earnings coverage of net charge-offs (x) | 175.2727% | 372 |
| Efficiency ratio | 43.1436% | 6,003 |
| Assets per employee ($millions) | 7.0316% | 878 |
| Cash dividends to net income (ytd only)* | 48.1400% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5279% | 383 |
| Loan loss allowance to noncurrent loans | 142.6087% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 1,688 |
| Noncurrent loans to loans | 1.7726% | 1,254 |
| Net loans and leases to total assets | 41.9686% | 5,409 |
| Net loans and leases to deposits | 49.5628% | 5,413 |
| Net loans and leases to core deposits | 50.6876% | 5,466 |
| Total domestic deposits to total assets | 84.6777% | 3,219 |
| Equity capital to assets | 15.2606% | 631 |
| Core capital (leverage) ratio | 14.9789% | 622 |
| Tier 1 risk-based capital ratio | 28.3982% | 581 |
| Total risk-based capital ratio | 29.6574% | 570 |
| Memoranda: | ||
| Average total assets | $105,429,400 | 4,350 |
| Average earning assets | $102,590,600 | 4,222 |
| Average equity | $15,835,000 | 3,705 |
| Average total loans | $43,255,000 | 4,882 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 5,130 |
| Cost of funding earning assets | 0.4114% | 3,107 |
| Net interest margin | 3.0228% | 5,145 |
| Noninterest income to average assets | 0.2327% | 5,266 |
| Noninterest expense to average assets | 1.2622% | 6,158 |
| Loan and lease loss provision to assets | 0.1138% | 1,983 |
| Net operating income to assets | 1.8023% | 517 |
| Return on assets (ROA) | 1.8023% | 538 |
| Pretax return on assets | 1.8023% | 897 |
| Return on Equity (ROE) | 12.0481% | 1,361 |
| Retained earnings to average equity (ytd only) | 4.6079% | 3,192 |
| Net charge-offs to loans | 0.0312% | 3,299 |
| Credit loss provision to net charge-offs | 900.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 151.5341% | 465 |
| Efficiency ratio | 39.7135% | 6,136 |
| Assets per employee ($millions) | 6.6685% | 992 |
| Cash dividends to net income (ytd only)* | 61.7543% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5694% | 400 |
| Loan loss allowance to noncurrent loans | 177.1384% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0975% | 2,159 |
| Noncurrent loans to loans | 1.4505% | 1,724 |
| Net loans and leases to total assets | 40.4795% | 5,567 |
| Net loans and leases to deposits | 47.6648% | 5,588 |
| Net loans and leases to core deposits | 53.8952% | 5,409 |
| Total domestic deposits to total assets | 84.9254% | 3,043 |
| Equity capital to assets | 15.0156% | 734 |
| Core capital (leverage) ratio | 14.5595% | 724 |
| Tier 1 risk-based capital ratio | 28.1201% | 613 |
| Total risk-based capital ratio | 29.3794% | 600 |
| Memoranda: | ||
| Average total assets | $105,418,250 | 4,396 |
| Average earning assets | $102,728,000 | 4,266 |
| Average equity | $15,769,750 | 3,750 |
| Average total loans | $42,715,250 | 4,960 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4177% | 5,190 |
| Cost of funding earning assets | 0.4223% | 3,017 |
| Net interest margin | 2.9954% | 5,231 |
| Noninterest income to average assets | 0.2305% | 5,311 |
| Noninterest expense to average assets | 1.2610% | 6,234 |
| Loan and lease loss provision to assets | 0.1143% | 1,929 |
| Net operating income to assets | 1.7735% | 541 |
| Return on assets (ROA) | 1.7735% | 570 |
| Pretax return on assets | 1.7735% | 935 |
| Return on Equity (ROE) | 11.8705% | 1,413 |
| Retained earnings to average equity (ytd only) | 3.4553% | 3,848 |
| Net charge-offs to loans | 0.0285% | 3,097 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 165.1667% | 400 |
| Efficiency ratio | 40.0484% | 6,203 |
| Assets per employee ($millions) | 6.6299% | 993 |
| Cash dividends to net income (ytd only)* | 70.8915% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5710% | 449 |
| Loan loss allowance to noncurrent loans | 172.2910% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.0832% | 2,347 |
| Noncurrent loans to loans | 1.4923% | 1,781 |
| Net loans and leases to total assets | 39.7604% | 5,644 |
| Net loans and leases to deposits | 46.6281% | 5,644 |
| Net loans and leases to core deposits | 52.2303% | 5,524 |
| Total domestic deposits to total assets | 85.2712% | 3,017 |
| Equity capital to assets | 14.5996% | 800 |
| Core capital (leverage) ratio | 14.3753% | 743 |
| Tier 1 risk-based capital ratio | 27.9002% | 648 |
| Total risk-based capital ratio | 29.1594% | 643 |
| Memoranda: | ||
| Average total assets | $104,992,330 | 4,444 |
| Average earning assets | $102,289,670 | 4,312 |
| Average equity | $15,686,000 | 3,779 |
| Average total loans | $42,177,330 | 5,025 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3737% | 5,268 |
| Cost of funding earning assets | 0.4286% | 2,985 |
| Net interest margin | 2.9451% | 5,358 |
| Noninterest income to average assets | 0.2298% | 5,314 |
| Noninterest expense to average assets | 1.2446% | 6,306 |
| Loan and lease loss provision to assets | 0.1149% | 1,798 |
| Net operating income to assets | 1.7386% | 541 |
| Return on assets (ROA) | 1.7386% | 574 |
| Pretax return on assets | 1.7386% | 968 |
| Return on Equity (ROE) | 11.5042% | 1,477 |
| Retained earnings to average equity (ytd only) | 5.9295% | 2,538 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1731% | 6,265 |
| Assets per employee ($millions) | 6.6845% | 977 |
| Cash dividends to net income (ytd only)* | 48.4581% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5937% | 467 |
| Loan loss allowance to noncurrent loans | 178.2324% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 1.0416% | 2,534 |
| Noncurrent loans to loans | 1.4552% | 1,952 |
| Net loans and leases to total assets | 38.2386% | 5,714 |
| Net loans and leases to deposits | 45.1506% | 5,699 |
| Net loans and leases to core deposits | 46.2583% | 5,742 |
| Total domestic deposits to total assets | 84.6913% | 3,543 |
| Equity capital to assets | 14.9497% | 726 |
| Core capital (leverage) ratio | 14.5296% | 684 |
| Tier 1 risk-based capital ratio | 28.3699% | 631 |
| Total risk-based capital ratio | 29.6290% | 619 |
| Memoranda: | ||
| Average total assets | $104,449,500 | 4,490 |
| Average earning assets | $101,728,000 | 4,350 |
| Average equity | $15,785,500 | 3,784 |
| Average total loans | $41,621,000 | 5,081 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 5,253 |
| Cost of funding earning assets | 0.4767% | 2,920 |
| Net interest margin | 3.0514% | 5,311 |
| Noninterest income to average assets | 0.2925% | 5,028 |
| Noninterest expense to average assets | 1.3270% | 6,384 |
| Loan and lease loss provision to assets | 0.1178% | 2,209 |
| Net operating income to assets | 1.8197% | 464 |
| Return on assets (ROA) | 1.8197% | 476 |
| Pretax return on assets | 1.8197% | 759 |
| Return on Equity (ROE) | 12.5091% | 1,263 |
| Retained earnings to average equity (ytd only) | 6.5717% | 1,613 |
| Net charge-offs to loans | 0.0143% | 4,597 |
| Credit loss provision to net charge-offs | 2,000.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 168 |
| Efficiency ratio | 40.6494% | 6,387 |
| Assets per employee ($millions) | 6.3717% | 1,132 |
| Cash dividends to net income (ytd only)* | 47.4649% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5669% | 504 |
| Loan loss allowance to noncurrent loans | 142.7224% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 2,331 |
| Noncurrent loans to loans | 1.7985% | 1,598 |
| Net loans and leases to total assets | 39.4293% | 5,781 |
| Net loans and leases to deposits | 46.6458% | 5,764 |
| Net loans and leases to core deposits | 47.5659% | 5,835 |
| Total domestic deposits to total assets | 84.5292% | 3,495 |
| Equity capital to assets | 15.2844% | 654 |
| Core capital (leverage) ratio | 14.5657% | 691 |
| Tier 1 risk-based capital ratio | 25.7750% | 777 |
| Total risk-based capital ratio | 27.0321% | 761 |
| Memoranda: | ||
| Average total assets | $101,884,000 | 4,550 |
| Average earning assets | $99,232,800 | 4,412 |
| Average equity | $14,821,200 | 3,873 |
| Average total loans | $42,023,400 | 5,108 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 5,280 |
| Cost of funding earning assets | 0.4822% | 2,934 |
| Net interest margin | 3.0650% | 5,348 |
| Noninterest income to average assets | 0.2971% | 5,077 |
| Noninterest expense to average assets | 1.2028% | 6,485 |
| Loan and lease loss provision to assets | 0.1178% | 2,098 |
| Net operating income to assets | 1.9633% | 368 |
| Return on assets (ROA) | 1.9633% | 379 |
| Pretax return on assets | 1.9633% | 620 |
| Return on Equity (ROE) | 13.6693% | 1,056 |
| Retained earnings to average equity (ytd only) | 5.6500% | 2,637 |
| Net charge-offs to loans | 0.0190% | 4,151 |
| Credit loss provision to net charge-offs | 1,500.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 264.9938% | 255 |
| Efficiency ratio | 36.6281% | 6,501 |
| Assets per employee ($millions) | 6.4571% | 1,046 |
| Cash dividends to net income (ytd only)* | 58.6665% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4912% | 658 |
| Loan loss allowance to noncurrent loans | 93.6306% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.5516% | 1,974 |
| Noncurrent loans to loans | 2.6607% | 1,078 |
| Net loans and leases to total assets | 38.9841% | 5,884 |
| Net loans and leases to deposits | 45.7906% | 5,877 |
| Net loans and leases to core deposits | 46.6741% | 5,934 |
| Total domestic deposits to total assets | 85.1356% | 3,288 |
| Equity capital to assets | 14.6389% | 824 |
| Core capital (leverage) ratio | 14.2657% | 780 |
| Tier 1 risk-based capital ratio | 25.3215% | 848 |
| Total risk-based capital ratio | 26.5777% | 836 |
| Memoranda: | ||
| Average total assets | $101,868,250 | 4,605 |
| Average earning assets | $99,269,750 | 4,456 |
| Average equity | $14,631,000 | 3,922 |
| Average total loans | $42,215,250 | 5,154 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5459% | 5,297 |
| Cost of funding earning assets | 0.4898% | 2,928 |
| Net interest margin | 3.0561% | 5,382 |
| Noninterest income to average assets | 0.3058% | 4,956 |
| Noninterest expense to average assets | 1.2092% | 6,550 |
| Loan and lease loss provision to assets | 0.1184% | 2,072 |
| Net operating income to assets | 1.9569% | 370 |
| Return on assets (ROA) | 1.9569% | 385 |
| Pretax return on assets | 1.9569% | 609 |
| Return on Equity (ROE) | 13.7143% | 1,010 |
| Retained earnings to average equity (ytd only) | 4.5899% | 3,240 |
| Net charge-offs to loans | 0.0282% | 3,628 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 175.3333% | 359 |
| Efficiency ratio | 36.8168% | 6,565 |
| Assets per employee ($millions) | 6.4414% | 1,041 |
| Cash dividends to net income (ytd only)* | 66.5323% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3418% | 860 |
| Loan loss allowance to noncurrent loans | 147.3451% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 2,785 |
| Noncurrent loans to loans | 1.5893% | 2,190 |
| Net loans and leases to total assets | 40.4219% | 5,786 |
| Net loans and leases to deposits | 47.2904% | 5,811 |
| Net loans and leases to core deposits | 48.1691% | 5,893 |
| Total domestic deposits to total assets | 85.4759% | 3,296 |
| Equity capital to assets | 14.4494% | 832 |
| Core capital (leverage) ratio | 13.8236% | 878 |
| Tier 1 risk-based capital ratio | 24.0127% | 985 |
| Total risk-based capital ratio | 25.2466% | 968 |
| Memoranda: | ||
| Average total assets | $101,386,330 | 4,646 |
| Average earning assets | $98,819,670 | 4,500 |
| Average equity | $14,466,670 | 3,955 |
| Average total loans | $42,518,670 | 5,181 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 5,346 |
| Cost of funding earning assets | 0.4941% | 2,966 |
| Net interest margin | 3.0378% | 5,418 |
| Noninterest income to average assets | 0.2944% | 5,018 |
| Noninterest expense to average assets | 1.2134% | 6,629 |
| Loan and lease loss provision to assets | 0.1193% | 1,998 |
| Net operating income to assets | 1.9215% | 382 |
| Return on assets (ROA) | 1.9215% | 403 |
| Pretax return on assets | 1.9215% | 628 |
| Return on Equity (ROE) | 13.5541% | 1,024 |
| Retained earnings to average equity (ytd only) | 7.3804% | 1,867 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2861% | 6,629 |
| Assets per employee ($millions) | 6.4636% | 1,034 |
| Cash dividends to net income (ytd only)* | 45.5487% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3215% | 994 |
| Loan loss allowance to noncurrent loans | 166.3823% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 3,147 |
| Noncurrent loans to loans | 1.3953% | 2,694 |
| Net loans and leases to total assets | 39.6681% | 5,828 |
| Net loans and leases to deposits | 46.2206% | 5,837 |
| Net loans and leases to core deposits | 46.9667% | 5,935 |
| Total domestic deposits to total assets | 85.8236% | 3,446 |
| Equity capital to assets | 14.0730% | 895 |
| Core capital (leverage) ratio | 14.0737% | 801 |
| Tier 1 risk-based capital ratio | 23.9082% | 1,011 |
| Total risk-based capital ratio | 25.1629% | 995 |
| Memoranda: | ||
| Average total assets | $100,548,000 | 4,722 |
| Average earning assets | $97,965,500 | 4,566 |
| Average equity | $14,254,000 | 3,998 |
| Average total loans | $42,448,500 | 5,221 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 5,525 |
| Cost of funding earning assets | 0.5123% | 3,478 |
| Net interest margin | 3.0416% | 5,476 |
| Noninterest income to average assets | 0.3413% | 4,871 |
| Noninterest expense to average assets | 1.3673% | 6,646 |
| Loan and lease loss provision to assets | 0.1205% | 2,810 |
| Net operating income to assets | 1.8039% | 480 |
| Return on assets (ROA) | 1.8039% | 492 |
| Pretax return on assets | 1.8039% | 755 |
| Return on Equity (ROE) | 12.8229% | 1,202 |
| Retained earnings to average equity (ytd only) | 6.5435% | 1,659 |
| Net charge-offs to loans | -0.0047% | 5,922 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5371% | 6,661 |
| Assets per employee ($millions) | 6.1049% | 1,201 |
| Cash dividends to net income (ytd only)* | 48.9705% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2029% | 1,174 |
| Loan loss allowance to noncurrent loans | 120.3822% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 2,779 |
| Noncurrent loans to loans | 1.8299% | 2,197 |
| Net loans and leases to total assets | 42.9503% | 5,758 |
| Net loans and leases to deposits | 50.1878% | 5,756 |
| Net loans and leases to core deposits | 51.0476% | 5,872 |
| Total domestic deposits to total assets | 85.5791% | 3,468 |
| Equity capital to assets | 14.2857% | 831 |
| Core capital (leverage) ratio | 14.1607% | 784 |
| Tier 1 risk-based capital ratio | 23.4452% | 1,023 |
| Total risk-based capital ratio | 24.6988% | 1,002 |
| Memoranda: | ||
| Average total assets | $99,615,400 | 4,747 |
| Average earning assets | $96,627,400 | 4,602 |
| Average equity | $14,014,000 | 4,067 |
| Average total loans | $42,172,200 | 5,262 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 5,648 |
| Cost of funding earning assets | 0.5158% | 3,614 |
| Net interest margin | 2.9999% | 5,597 |
| Noninterest income to average assets | 0.3463% | 4,919 |
| Noninterest expense to average assets | 1.2334% | 6,779 |
| Loan and lease loss provision to assets | 0.1199% | 2,794 |
| Net operating income to assets | 1.8981% | 435 |
| Return on assets (ROA) | 1.8981% | 446 |
| Pretax return on assets | 1.8981% | 714 |
| Return on Equity (ROE) | 13.5430% | 1,112 |
| Retained earnings to average equity (ytd only) | 5.1796% | 2,948 |
| Net charge-offs to loans | -0.0064% | 5,812 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9353% | 6,779 |
| Assets per employee ($millions) | 6.6214% | 884 |
| Cash dividends to net income (ytd only)* | 61.7543% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 1,433 |
| Loan loss allowance to noncurrent loans | 149.2659% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.2726% | 3,098 |
| Noncurrent loans to loans | 1.4314% | 3,015 |
| Net loans and leases to total assets | 42.1975% | 5,889 |
| Net loans and leases to deposits | 49.3256% | 5,879 |
| Net loans and leases to core deposits | 50.1556% | 6,012 |
| Total domestic deposits to total assets | 85.5489% | 3,470 |
| Equity capital to assets | 13.9427% | 978 |
| Core capital (leverage) ratio | 13.6419% | 973 |
| Tier 1 risk-based capital ratio | 22.7414% | 1,191 |
| Total risk-based capital ratio | 23.9942% | 1,171 |
| Memoranda: | ||
| Average total assets | $100,099,750 | 4,779 |
| Average earning assets | $96,933,750 | 4,644 |
| Average equity | $14,029,000 | 4,108 |
| Average total loans | $41,990,750 | 5,313 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 5,705 |
| Cost of funding earning assets | 0.5203% | 3,702 |
| Net interest margin | 2.9757% | 5,628 |
| Noninterest income to average assets | 0.3368% | 4,987 |
| Noninterest expense to average assets | 1.2455% | 6,816 |
| Loan and lease loss provision to assets | 0.1196% | 2,828 |
| Net operating income to assets | 1.8553% | 466 |
| Return on assets (ROA) | 1.8553% | 498 |
| Pretax return on assets | 1.8553% | 815 |
| Return on Equity (ROE) | 13.2157% | 1,189 |
| Retained earnings to average equity (ytd only) | 3.8469% | 3,852 |
| Net charge-offs to loans | -0.0096% | 5,757 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6757% | 6,820 |
| Assets per employee ($millions) | 6.6470% | 850 |
| Cash dividends to net income (ytd only)* | 70.8915% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 1,595 |
| Loan loss allowance to noncurrent loans | 144.8445% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 3,231 |
| Noncurrent loans to loans | 1.4616% | 3,116 |
| Net loans and leases to total assets | 41.0401% | 5,964 |
| Net loans and leases to deposits | 47.6229% | 6,005 |
| Net loans and leases to core deposits | 48.4140% | 6,113 |
| Total domestic deposits to total assets | 86.1772% | 3,275 |
| Equity capital to assets | 13.4958% | 1,139 |
| Core capital (leverage) ratio | 13.2998% | 1,056 |
| Tier 1 risk-based capital ratio | 22.3077% | 1,237 |
| Total risk-based capital ratio | 23.5602% | 1,213 |
| Memoranda: | ||
| Average total assets | $100,359,330 | 4,804 |
| Average earning assets | $97,254,670 | 4,666 |
| Average equity | $14,089,330 | 4,130 |
| Average total loans | $41,712,330 | 5,344 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 5,735 |
| Cost of funding earning assets | 0.5241% | 3,847 |
| Net interest margin | 2.9642% | 5,667 |
| Noninterest income to average assets | 0.3377% | 4,996 |
| Noninterest expense to average assets | 1.2713% | 6,888 |
| Loan and lease loss provision to assets | 0.1192% | 2,743 |
| Net operating income to assets | 1.8235% | 459 |
| Return on assets (ROA) | 1.8235% | 512 |
| Pretax return on assets | 1.8235% | 846 |
| Return on Equity (ROE) | 12.7447% | 1,227 |
| Retained earnings to average equity (ytd only) | 6.6361% | 2,350 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5550% | 6,880 |
| Assets per employee ($millions) | 6.8014% | 850 |
| Cash dividends to net income (ytd only)* | 47.9303% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0643% | 1,884 |
| Loan loss allowance to noncurrent loans | 118.9679% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 3,230 |
| Noncurrent loans to loans | 1.7352% | 2,950 |
| Net loans and leases to total assets | 39.6663% | 6,021 |
| Net loans and leases to deposits | 46.3763% | 6,035 |
| Net loans and leases to core deposits | 47.4097% | 6,129 |
| Total domestic deposits to total assets | 85.5314% | 3,782 |
| Equity capital to assets | 14.1902% | 968 |
| Core capital (leverage) ratio | 13.3843% | 979 |
| Tier 1 risk-based capital ratio | 22.1444% | 1,304 |
| Total risk-based capital ratio | 23.3974% | 1,275 |
| Memoranda: | ||
| Average total assets | $100,686,500 | 4,848 |
| Average earning assets | $97,699,500 | 4,695 |
| Average equity | $14,406,000 | 4,112 |
| Average total loans | $41,666,500 | 5,389 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 5,765 |
| Cost of funding earning assets | 0.6985% | 3,508 |
| Net interest margin | 3.1252% | 5,752 |
| Noninterest income to average assets | 0.3747% | 4,799 |
| Noninterest expense to average assets | 1.2967% | 6,954 |
| Loan and lease loss provision to assets | 0.1212% | 4,100 |
| Net operating income to assets | 1.9884% | 362 |
| Return on assets (ROA) | 1.9884% | 396 |
| Pretax return on assets | 1.9884% | 616 |
| Return on Equity (ROE) | 14.2901% | 938 |
| Retained earnings to average equity (ytd only) | 8.3389% | 1,017 |
| Net charge-offs to loans | 0.7688% | 1,523 |
| Credit loss provision to net charge-offs | 38.3387% | 4,964 |
| Earnings coverage of net charge-offs (x) | 6.6741% | 2,769 |
| Efficiency ratio | 38.0670% | 6,969 |
| Assets per employee ($millions) | 6.6235% | 937 |
| Cash dividends to net income (ytd only)* | 41.6455% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 2,134 |
| Loan loss allowance to noncurrent loans | 133.6039% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 3,474 |
| Noncurrent loans to loans | 1.4662% | 3,397 |
| Net loans and leases to total assets | 41.4576% | 6,051 |
| Net loans and leases to deposits | 48.5399% | 6,068 |
| Net loans and leases to core deposits | 49.3547% | 6,185 |
| Total domestic deposits to total assets | 85.4095% | 3,658 |
| Equity capital to assets | 14.4285% | 900 |
| Core capital (leverage) ratio | 13.2024% | 1,045 |
| Tier 1 risk-based capital ratio | 21.8753% | 1,282 |
| Total risk-based capital ratio | 23.1273% | 1,253 |
| Memoranda: | ||
| Average total assets | $99,022,400 | 4,861 |
| Average earning assets | $96,058,800 | 4,688 |
| Average equity | $13,778,800 | 4,207 |
| Average total loans | $40,711,400 | 5,471 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 5,864 |
| Cost of funding earning assets | 0.7434% | 3,400 |
| Net interest margin | 3.1251% | 5,884 |
| Noninterest income to average assets | 0.3436% | 5,062 |
| Noninterest expense to average assets | 1.1589% | 7,090 |
| Loan and lease loss provision to assets | 0.1213% | 4,040 |
| Net operating income to assets | 2.0941% | 337 |
| Return on assets (ROA) | 2.0941% | 376 |
| Pretax return on assets | 2.0941% | 583 |
| Return on Equity (ROE) | 15.1905% | 866 |
| Retained earnings to average equity (ytd only) | 7.1749% | 2,023 |
| Net charge-offs to loans | 0.1122% | 4,266 |
| Credit loss provision to net charge-offs | 264.7059% | 1,037 |
| Earnings coverage of net charge-offs (x) | 48.3554% | 776 |
| Efficiency ratio | 34.3450% | 7,089 |
| Assets per employee ($millions) | 7.6695% | 545 |
| Cash dividends to net income (ytd only)* | 52.7672% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6212% | 1,060 |
| Loan loss allowance to noncurrent loans | 110.0616% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.6248% | 3,150 |
| Noncurrent loans to loans | 2.3815% | 2,423 |
| Net loans and leases to total assets | 39.9446% | 6,288 |
| Net loans and leases to deposits | 46.7661% | 6,335 |
| Net loans and leases to core deposits | 47.6884% | 6,436 |
| Total domestic deposits to total assets | 85.4137% | 3,560 |
| Equity capital to assets | 14.3276% | 1,026 |
| Core capital (leverage) ratio | 12.8209% | 1,265 |
| Tier 1 risk-based capital ratio | 21.5949% | 1,402 |
| Total risk-based capital ratio | 22.8529% | 1,376 |
| Memoranda: | ||
| Average total assets | $98,940,000 | 4,906 |
| Average earning assets | $95,951,750 | 4,741 |
| Average equity | $13,639,750 | 4,276 |
| Average total loans | $40,386,250 | 5,556 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 5,967 |
| Cost of funding earning assets | 0.7894% | 3,280 |
| Net interest margin | 3.0866% | 6,044 |
| Noninterest income to average assets | 0.3364% | 5,136 |
| Noninterest expense to average assets | 1.1471% | 7,158 |
| Loan and lease loss provision to assets | 0.1216% | 4,002 |
| Net operating income to assets | 2.0631% | 355 |
| Return on assets (ROA) | 2.0631% | 396 |
| Pretax return on assets | 2.0631% | 618 |
| Return on Equity (ROE) | 15.1661% | 907 |
| Retained earnings to average equity (ytd only) | 6.2273% | 2,551 |
| Net charge-offs to loans | 0.1691% | 3,589 |
| Credit loss provision to net charge-offs | 176.4706% | 1,593 |
| Earnings coverage of net charge-offs (x) | 31.7059% | 1,034 |
| Efficiency ratio | 34.4282% | 7,134 |
| Assets per employee ($millions) | 7.1649% | 676 |
| Cash dividends to net income (ytd only)* | 58.9391% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5499% | 1,215 |
| Loan loss allowance to noncurrent loans | 88.3051% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.8074% | 3,028 |
| Noncurrent loans to loans | 2.8876% | 2,074 |
| Net loans and leases to total assets | 39.7003% | 6,367 |
| Net loans and leases to deposits | 46.0573% | 6,434 |
| Net loans and leases to core deposits | 46.8115% | 6,525 |
| Total domestic deposits to total assets | 86.1976% | 3,249 |
| Equity capital to assets | 13.5960% | 1,266 |
| Core capital (leverage) ratio | 12.5943% | 1,311 |
| Tier 1 risk-based capital ratio | 21.2346% | 1,434 |
| Total risk-based capital ratio | 22.4913% | 1,407 |
| Memoranda: | ||
| Average total assets | $98,685,670 | 4,933 |
| Average earning assets | $95,767,670 | 4,776 |
| Average equity | $13,424,670 | 4,314 |
| Average total loans | $40,215,670 | 5,594 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 5,970 |
| Cost of funding earning assets | 0.8137% | 3,360 |
| Net interest margin | 3.1072% | 6,017 |
| Noninterest income to average assets | 0.3310% | 5,214 |
| Noninterest expense to average assets | 1.1157% | 7,232 |
| Loan and lease loss provision to assets | 0.1226% | 3,811 |
| Net operating income to assets | 2.1047% | 347 |
| Return on assets (ROA) | 2.1047% | 400 |
| Pretax return on assets | 2.1047% | 627 |
| Return on Equity (ROE) | 15.4678% | 895 |
| Retained earnings to average equity (ytd only) | 9.4609% | 1,423 |
| Net charge-offs to loans | 0.3409% | 2,287 |
| Credit loss provision to net charge-offs | 88.2353% | 2,579 |
| Earnings coverage of net charge-offs (x) | 16.0294% | 1,390 |
| Efficiency ratio | 33.3741% | 7,210 |
| Assets per employee ($millions) | 7.1280% | 709 |
| Cash dividends to net income (ytd only)* | 38.8350% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5034% | 1,348 |
| Loan loss allowance to noncurrent loans | 90.1961% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.7707% | 3,212 |
| Noncurrent loans to loans | 2.7755% | 2,336 |
| Net loans and leases to total assets | 39.4951% | 6,387 |
| Net loans and leases to deposits | 45.7509% | 6,448 |
| Net loans and leases to core deposits | 46.5006% | 6,536 |
| Total domestic deposits to total assets | 86.3266% | 3,345 |
| Equity capital to assets | 13.5642% | 1,212 |
| Core capital (leverage) ratio | 12.5799% | 1,303 |
| Tier 1 risk-based capital ratio | 21.2921% | 1,427 |
| Total risk-based capital ratio | 22.5174% | 1,408 |
| Memoranda: | ||
| Average total assets | $97,874,000 | 4,988 |
| Average earning assets | $94,877,000 | 4,821 |
| Average equity | $13,318,000 | 4,347 |
| Average total loans | $39,891,000 | 5,646 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 5,891 |
| Cost of funding earning assets | 0.9116% | 4,039 |
| Net interest margin | 3.3469% | 5,659 |
| Noninterest income to average assets | 0.3468% | 5,031 |
| Noninterest expense to average assets | 1.4424% | 7,199 |
| Loan and lease loss provision to assets | 0.1250% | 5,049 |
| Net operating income to assets | 2.0141% | 302 |
| Return on assets (ROA) | 2.0141% | 323 |
| Pretax return on assets | 2.0141% | 519 |
| Return on Equity (ROE) | 15.9898% | 601 |
| Retained earnings to average equity (ytd only) | 9.3756% | 705 |
| Net charge-offs to loans | -0.0151% | 6,927 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2733% | 7,209 |
| Assets per employee ($millions) | 6.8540% | 792 |
| Cash dividends to net income (ytd only)* | 41.3650% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5815% | 1,217 |
| Loan loss allowance to noncurrent loans | 108.5470% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.7623% | 3,309 |
| Noncurrent loans to loans | 2.3782% | 2,755 |
| Net loans and leases to total assets | 39.9569% | 6,548 |
| Net loans and leases to deposits | 46.3201% | 6,608 |
| Net loans and leases to core deposits | 46.8207% | 6,700 |
| Total domestic deposits to total assets | 86.2625% | 3,159 |
| Equity capital to assets | 13.6521% | 1,193 |
| Core capital (leverage) ratio | 12.4188% | 1,382 |
| Tier 1 risk-based capital ratio | 21.2839% | 1,364 |
| Total risk-based capital ratio | 22.5413% | 1,338 |
| Memoranda: | ||
| Average total assets | $96,021,600 | 5,011 |
| Average earning assets | $92,803,600 | 4,838 |
| Average equity | $12,095,200 | 4,531 |
| Average total loans | $39,763,200 | 5,704 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 5,915 |
| Cost of funding earning assets | 0.9342% | 4,169 |
| Net interest margin | 3.3760% | 5,648 |
| Noninterest income to average assets | 0.3471% | 5,084 |
| Noninterest expense to average assets | 1.3397% | 7,299 |
| Loan and lease loss provision to assets | 0.1250% | 4,866 |
| Net operating income to assets | 2.1435% | 271 |
| Return on assets (ROA) | 2.1435% | 289 |
| Pretax return on assets | 2.1435% | 475 |
| Return on Equity (ROE) | 17.3811% | 525 |
| Retained earnings to average equity (ytd only) | 8.3754% | 1,361 |
| Net charge-offs to loans | -0.0201% | 6,911 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1297% | 7,303 |
| Assets per employee ($millions) | 6.9069% | 775 |
| Cash dividends to net income (ytd only)* | 51.8134% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4175% | 1,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 5,186 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 41.1599% | 6,547 |
| Net loans and leases to deposits | 47.6887% | 6,639 |
| Net loans and leases to core deposits | 48.1980% | 6,751 |
| Total domestic deposits to total assets | 86.3097% | 3,032 |
| Equity capital to assets | 13.4090% | 1,408 |
| Core capital (leverage) ratio | 12.0669% | 1,670 |
| Tier 1 risk-based capital ratio | 20.3562% | 1,600 |
| Total risk-based capital ratio | 21.6120% | 1,569 |
| Memoranda: | ||
| Average total assets | $96,038,000 | 5,040 |
| Average earning assets | $92,770,750 | 4,872 |
| Average equity | $11,844,000 | 4,605 |
| Average total loans | $39,864,750 | 5,751 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 5,924 |
| Cost of funding earning assets | 0.9553% | 4,279 |
| Net interest margin | 3.3717% | 5,634 |
| Noninterest income to average assets | 0.3361% | 5,201 |
| Noninterest expense to average assets | 1.3526% | 7,377 |
| Loan and lease loss provision to assets | 0.1252% | 4,721 |
| Net operating income to assets | 2.1144% | 294 |
| Return on assets (ROA) | 2.1144% | 304 |
| Pretax return on assets | 2.1144% | 478 |
| Return on Equity (ROE) | 17.6635% | 492 |
| Retained earnings to average equity (ytd only) | 7.2014% | 1,786 |
| Net charge-offs to loans | 0.0253% | 5,472 |
| Credit loss provision to net charge-offs | 1,200.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 214.6000% | 164 |
| Efficiency ratio | 37.6525% | 7,368 |
| Assets per employee ($millions) | 6.4415% | 955 |
| Cash dividends to net income (ytd only)* | 59.2300% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4372% | 1,536 |
| Loan loss allowance to noncurrent loans | 88.8993% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.5027% | 3,948 |
| Noncurrent loans to loans | 2.7415% | 2,656 |
| Net loans and leases to total assets | 39.1511% | 6,791 |
| Net loans and leases to deposits | 45.1027% | 6,876 |
| Net loans and leases to core deposits | 45.5683% | 6,957 |
| Total domestic deposits to total assets | 86.8044% | 2,853 |
| Equity capital to assets | 12.6771% | 1,693 |
| Core capital (leverage) ratio | 11.7432% | 1,751 |
| Tier 1 risk-based capital ratio | 20.6427% | 1,485 |
| Total risk-based capital ratio | 21.8985% | 1,460 |
| Memoranda: | ||
| Average total assets | $95,818,670 | 5,078 |
| Average earning assets | $92,534,330 | 4,919 |
| Average equity | $11,470,000 | 4,695 |
| Average total loans | $39,557,670 | 5,818 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 5,794 |
| Cost of funding earning assets | 0.9853% | 4,306 |
| Net interest margin | 3.3836% | 5,491 |
| Noninterest income to average assets | 0.3018% | 5,505 |
| Noninterest expense to average assets | 1.3373% | 7,438 |
| Loan and lease loss provision to assets | 0.1258% | 4,426 |
| Net operating income to assets | 2.1212% | 293 |
| Return on assets (ROA) | 2.1212% | 302 |
| Pretax return on assets | 2.1212% | 458 |
| Return on Equity (ROE) | 18.2663% | 454 |
| Retained earnings to average equity (ytd only) | 11.0464% | 893 |
| Net charge-offs to loans | 0.0501% | 4,434 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 107.2000% | 301 |
| Efficiency ratio | 37.3099% | 7,426 |
| Assets per employee ($millions) | 5.9808% | 1,205 |
| Cash dividends to net income (ytd only)* | 39.5257% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3167% | 1,733 |
| Loan loss allowance to noncurrent loans | 90.7738% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4641% | 4,064 |
| Noncurrent loans to loans | 2.5522% | 2,936 |
| Net loans and leases to total assets | 40.3179% | 6,754 |
| Net loans and leases to deposits | 45.8179% | 6,861 |
| Net loans and leases to core deposits | 46.3002% | 6,961 |
| Total domestic deposits to total assets | 87.9959% | 2,373 |
| Equity capital to assets | 11.7951% | 2,048 |
| Core capital (leverage) ratio | 11.4591% | 1,870 |
| Tier 1 risk-based capital ratio | 20.7942% | 1,434 |
| Total risk-based capital ratio | 22.0508% | 1,411 |
| Memoranda: | ||
| Average total assets | $95,416,500 | 5,119 |
| Average earning assets | $92,565,000 | 4,956 |
| Average equity | $11,080,500 | 4,780 |
| Average total loans | $39,949,500 | 5,851 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 6,442 |
| Cost of funding earning assets | 1.3799% | 3,394 |
| Net interest margin | 3.1012% | 6,518 |
| Noninterest income to average assets | 0.4121% | 4,807 |
| Noninterest expense to average assets | 1.3899% | 7,488 |
| Loan and lease loss provision to assets | 0.2082% | 5,167 |
| Net operating income to assets | 1.8105% | 406 |
| Return on assets (ROA) | 1.8105% | 441 |
| Pretax return on assets | 1.8105% | 742 |
| Return on Equity (ROE) | 15.5771% | 634 |
| Retained earnings to average equity (ytd only) | 7.4946% | 1,151 |
| Net charge-offs to loans | 0.1559% | 5,416 |
| Credit loss provision to net charge-offs | 295.4545% | 910 |
| Earnings coverage of net charge-offs (x) | 28.6515% | 753 |
| Efficiency ratio | 40.7767% | 7,498 |
| Assets per employee ($millions) | 5.9463% | 1,245 |
| Cash dividends to net income (ytd only)* | 51.8868% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2028% | 1,860 |
| Loan loss allowance to noncurrent loans | 63.6624% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.9403% | 3,425 |
| Noncurrent loans to loans | 3.4601% | 2,187 |
| Net loans and leases to total assets | 41.5310% | 6,872 |
| Net loans and leases to deposits | 46.9772% | 7,000 |
| Net loans and leases to core deposits | 48.8690% | 7,031 |
| Total domestic deposits to total assets | 88.4067% | 2,011 |
| Equity capital to assets | 11.4294% | 2,322 |
| Core capital (leverage) ratio | 11.3046% | 1,954 |
| Tier 1 risk-based capital ratio | 20.0643% | 1,477 |
| Total risk-based capital ratio | 21.3188% | 1,447 |
| Memoranda: | ||
| Average total assets | $93,677,200 | 5,171 |
| Average earning assets | $90,513,000 | 5,001 |
| Average equity | $10,887,800 | 4,892 |
| Average total loans | $42,321,400 | 5,820 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 6,680 |
| Cost of funding earning assets | 1.4703% | 3,141 |
| Net interest margin | 2.9954% | 6,844 |
| Noninterest income to average assets | 0.4244% | 4,768 |
| Noninterest expense to average assets | 1.2688% | 7,643 |
| Loan and lease loss provision to assets | 0.2358% | 4,716 |
| Net operating income to assets | 1.8132% | 484 |
| Return on assets (ROA) | 1.8132% | 532 |
| Pretax return on assets | 1.8132% | 905 |
| Return on Equity (ROE) | 15.5350% | 774 |
| Retained earnings to average equity (ytd only) | 4.7621% | 3,149 |
| Net charge-offs to loans | 0.1371% | 5,202 |
| Credit loss provision to net charge-offs | 375.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 32.5882% | 825 |
| Efficiency ratio | 38.2429% | 7,608 |
| Assets per employee ($millions) | 6.3100% | 1,070 |
| Cash dividends to net income (ytd only)* | 69.3456% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0643% | 2,078 |
| Loan loss allowance to noncurrent loans | 68.3191% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.8384% | 3,696 |
| Noncurrent loans to loans | 3.0216% | 2,638 |
| Net loans and leases to total assets | 44.2092% | 6,824 |
| Net loans and leases to deposits | 50.2619% | 6,997 |
| Net loans and leases to core deposits | 52.6459% | 7,023 |
| Total domestic deposits to total assets | 87.9577% | 1,987 |
| Equity capital to assets | 11.7993% | 2,284 |
| Core capital (leverage) ratio | 11.0006% | 2,262 |
| Tier 1 risk-based capital ratio | 18.9573% | 1,761 |
| Total risk-based capital ratio | 20.2119% | 1,723 |
| Memoranda: | ||
| Average total assets | $93,311,250 | 5,241 |
| Average earning assets | $90,137,250 | 5,064 |
| Average equity | $10,891,250 | 4,952 |
| Average total loans | $42,801,000 | 5,883 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 6,791 |
| Cost of funding earning assets | 1.5870% | 2,731 |
| Net interest margin | 2.8678% | 7,057 |
| Noninterest income to average assets | 0.4501% | 4,515 |
| Noninterest expense to average assets | 1.2491% | 7,721 |
| Loan and lease loss provision to assets | 0.2907% | 4,056 |
| Net operating income to assets | 1.6734% | 611 |
| Return on assets (ROA) | 1.6734% | 659 |
| Pretax return on assets | 1.6734% | 1,110 |
| Return on Equity (ROE) | 14.3902% | 961 |
| Retained earnings to average equity (ytd only) | 2.1669% | 4,766 |
| Net charge-offs to loans | 0.1961% | 4,431 |
| Credit loss provision to net charge-offs | 321.4286% | 1,139 |
| Earnings coverage of net charge-offs (x) | 21.7143% | 1,165 |
| Efficiency ratio | 38.8740% | 7,660 |
| Assets per employee ($millions) | 6.3262% | 1,038 |
| Cash dividends to net income (ytd only)* | 84.9421% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 2,187 |
| Loan loss allowance to noncurrent loans | 73.5573% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7209% | 3,868 |
| Noncurrent loans to loans | 2.7154% | 2,938 |
| Net loans and leases to total assets | 44.1571% | 6,908 |
| Net loans and leases to deposits | 50.0926% | 7,065 |
| Net loans and leases to core deposits | 51.8917% | 7,141 |
| Total domestic deposits to total assets | 88.1509% | 1,930 |
| Equity capital to assets | 11.5309% | 2,414 |
| Core capital (leverage) ratio | 10.7413% | 2,437 |
| Tier 1 risk-based capital ratio | 18.4488% | 1,847 |
| Total risk-based capital ratio | 19.7028% | 1,814 |
| Memoranda: | ||
| Average total assets | $92,865,000 | 5,284 |
| Average earning assets | $89,475,330 | 5,116 |
| Average equity | $10,799,000 | 4,975 |
| Average total loans | $42,826,000 | 5,911 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 5,888 |
| Cost of funding earning assets | 1.6503% | 2,650 |
| Net interest margin | 3.1509% | 6,449 |
| Noninterest income to average assets | 0.3919% | 4,985 |
| Noninterest expense to average assets | 1.4066% | 7,758 |
| Loan and lease loss provision to assets | 0.4573% | 2,680 |
| Net operating income to assets | 1.5547% | 815 |
| Return on assets (ROA) | 1.5547% | 875 |
| Pretax return on assets | 1.5547% | 1,383 |
| Return on Equity (ROE) | 13.3116% | 1,191 |
| Retained earnings to average equity (ytd only) | 5.1084% | 3,101 |
| Net charge-offs to loans | 0.0373% | 5,055 |
| Credit loss provision to net charge-offs | 2,625.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 282 |
| Efficiency ratio | 41.1465% | 7,702 |
| Assets per employee ($millions) | 6.2455% | 1,115 |
| Cash dividends to net income (ytd only)* | 61.6246% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 2,076 |
| Loan loss allowance to noncurrent loans | 81.0150% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6407% | 4,023 |
| Noncurrent loans to loans | 2.5212% | 3,155 |
| Net loans and leases to total assets | 44.1280% | 6,980 |
| Net loans and leases to deposits | 50.0533% | 7,121 |
| Net loans and leases to core deposits | 51.8747% | 7,213 |
| Total domestic deposits to total assets | 88.1621% | 1,967 |
| Equity capital to assets | 11.5209% | 2,345 |
| Core capital (leverage) ratio | 11.0534% | 2,199 |
| Tier 1 risk-based capital ratio | 18.7984% | 1,771 |
| Total risk-based capital ratio | 20.0531% | 1,735 |
| Memoranda: | ||
| Average total assets | $91,851,000 | 5,388 |
| Average earning assets | $88,227,500 | 5,231 |
| Average equity | $10,727,500 | 5,040 |
| Average total loans | $42,861,000 | 5,988 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 4,748 |
| Cost of funding earning assets | 2.0848% | 2,542 |
| Net interest margin | 3.3038% | 5,724 |
| Noninterest income to average assets | 0.4060% | 5,154 |
| Noninterest expense to average assets | 1.3710% | 7,852 |
| Loan and lease loss provision to assets | 0.1334% | 6,306 |
| Net operating income to assets | 2.0925% | 187 |
| Return on assets (ROA) | 2.0925% | 202 |
| Pretax return on assets | 2.0925% | 342 |
| Return on Equity (ROE) | 18.2440% | 348 |
| Retained earnings to average equity (ytd only) | 10.0524% | 368 |
| Net charge-offs to loans | 0.0431% | 6,679 |
| Credit loss provision to net charge-offs | 605.2632% | 489 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 273 |
| Efficiency ratio | 38.1167% | 7,883 |
| Assets per employee ($millions) | 6.0013% | 1,244 |
| Cash dividends to net income (ytd only)* | 44.9002% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7486% | 2,718 |
| Loan loss allowance to noncurrent loans | 62.8926% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8774% | 3,558 |
| Noncurrent loans to loans | 2.7803% | 2,778 |
| Net loans and leases to total assets | 47.4994% | 6,843 |
| Net loans and leases to deposits | 54.0507% | 7,046 |
| Net loans and leases to core deposits | 65.1615% | 7,024 |
| Total domestic deposits to total assets | 87.8794% | 2,023 |
| Equity capital to assets | 11.8440% | 2,112 |
| Core capital (leverage) ratio | 11.3043% | 2,036 |
| Tier 1 risk-based capital ratio | 18.3473% | 1,794 |
| Total risk-based capital ratio | 19.6000% | 1,750 |
| Memoranda: | ||
| Average total assets | $86,213,400 | 5,515 |
| Average earning assets | $83,267,600 | 5,353 |
| Average equity | $9,888,200 | 5,325 |
| Average total loans | $44,119,200 | 5,927 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 4,635 |
| Cost of funding earning assets | 2.1770% | 2,518 |
| Net interest margin | 3.2824% | 5,707 |
| Noninterest income to average assets | 0.3894% | 5,389 |
| Noninterest expense to average assets | 1.3151% | 7,957 |
| Loan and lease loss provision to assets | 0.1329% | 6,031 |
| Net operating income to assets | 2.1220% | 225 |
| Return on assets (ROA) | 2.1220% | 243 |
| Pretax return on assets | 2.1220% | 420 |
| Return on Equity (ROE) | 18.6626% | 385 |
| Retained earnings to average equity (ytd only) | 7.5228% | 1,305 |
| Net charge-offs to loans | 0.0151% | 6,708 |
| Credit loss provision to net charge-offs | 1,700.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 288.2489% | 124 |
| Efficiency ratio | 36.8375% | 7,966 |
| Assets per employee ($millions) | 5.7821% | 1,365 |
| Cash dividends to net income (ytd only)* | 59.6903% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 2,719 |
| Loan loss allowance to noncurrent loans | 58.2031% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.5773% | 3,989 |
| Noncurrent loans to loans | 2.8783% | 2,645 |
| Net loans and leases to total assets | 50.4139% | 6,746 |
| Net loans and leases to deposits | 57.4656% | 6,997 |
| Net loans and leases to core deposits | 69.2355% | 7,002 |
| Total domestic deposits to total assets | 87.7289% | 1,787 |
| Equity capital to assets | 11.8549% | 2,320 |
| Core capital (leverage) ratio | 10.9525% | 2,441 |
| Tier 1 risk-based capital ratio | 17.8206% | 2,043 |
| Total risk-based capital ratio | 19.0722% | 1,990 |
| Memoranda: | ||
| Average total assets | $85,261,750 | 5,579 |
| Average earning assets | $82,620,000 | 5,407 |
| Average equity | $9,694,750 | 5,431 |
| Average total loans | $44,269,000 | 5,960 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 4,712 |
| Cost of funding earning assets | 2.2591% | 2,535 |
| Net interest margin | 3.2265% | 5,818 |
| Noninterest income to average assets | 0.3657% | 5,586 |
| Noninterest expense to average assets | 1.3967% | 8,008 |
| Loan and lease loss provision to assets | 0.1298% | 5,804 |
| Net operating income to assets | 1.9629% | 323 |
| Return on assets (ROA) | 1.9629% | 354 |
| Pretax return on assets | 1.9629% | 613 |
| Return on Equity (ROE) | 17.5176% | 533 |
| Retained earnings to average equity (ytd only) | 5.3058% | 2,343 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0270% | 8,015 |
| Assets per employee ($millions) | 5.8415% | 1,315 |
| Cash dividends to net income (ytd only)* | 69.7115% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 2,724 |
| Loan loss allowance to noncurrent loans | 67.9887% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.3090% | 4,327 |
| Noncurrent loans to loans | 2.3588% | 3,070 |
| Net loans and leases to total assets | 50.4148% | 6,832 |
| Net loans and leases to deposits | 57.0685% | 7,086 |
| Net loans and leases to core deposits | 67.9825% | 7,123 |
| Total domestic deposits to total assets | 88.3410% | 1,601 |
| Equity capital to assets | 11.0371% | 2,887 |
| Core capital (leverage) ratio | 10.6867% | 2,676 |
| Tier 1 risk-based capital ratio | 17.1281% | 2,264 |
| Total risk-based capital ratio | 18.3790% | 2,204 |
| Memoranda: | ||
| Average total assets | $84,771,670 | 5,621 |
| Average earning assets | $82,069,330 | 5,463 |
| Average equity | $9,499,000 | 5,513 |
| Average total loans | $44,202,000 | 6,017 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7584% | 3,489 |
| Cost of funding earning assets | 2.3291% | 2,580 |
| Net interest margin | 3.4293% | 5,015 |
| Noninterest income to average assets | 0.3311% | 5,802 |
| Noninterest expense to average assets | 1.2574% | 8,094 |
| Loan and lease loss provision to assets | 0.1200% | 5,424 |
| Net operating income to assets | 2.2749% | 207 |
| Return on assets (ROA) | 2.2749% | 237 |
| Pretax return on assets | 2.2749% | 385 |
| Return on Equity (ROE) | 20.1424% | 413 |
| Retained earnings to average equity (ytd only) | 10.7936% | 1,009 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4284% | 8,120 |
| Assets per employee ($millions) | 5.6825% | 1,409 |
| Cash dividends to net income (ytd only)* | 46.4135% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 2,537 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 4,962 |
| Noncurrent loans to loans | 1.7021% | 3,704 |
| Net loans and leases to total assets | 49.9196% | 6,872 |
| Net loans and leases to deposits | 56.4781% | 7,136 |
| Net loans and leases to core deposits | 66.2896% | 7,226 |
| Total domestic deposits to total assets | 88.3877% | 1,527 |
| Equity capital to assets | 11.3484% | 2,686 |
| Core capital (leverage) ratio | 10.9543% | 2,537 |
| Tier 1 risk-based capital ratio | 17.9871% | 2,055 |
| Total risk-based capital ratio | 19.2376% | 2,006 |
| Memoranda: | ||
| Average total assets | $83,346,000 | 5,692 |
| Average earning assets | $80,716,500 | 5,528 |
| Average equity | $9,413,000 | 5,564 |
| Average total loans | $43,855,500 | 6,064 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4722% | 3,108 |
| Cost of funding earning assets | 3.0508% | 1,685 |
| Net interest margin | 3.4213% | 5,575 |
| Noninterest income to average assets | 0.4342% | 5,180 |
| Noninterest expense to average assets | 1.3633% | 8,092 |
| Loan and lease loss provision to assets | 0.1113% | 5,945 |
| Net operating income to assets | 2.2157% | 229 |
| Return on assets (ROA) | 2.2157% | 228 |
| Pretax return on assets | 2.2157% | 385 |
| Return on Equity (ROE) | 19.9310% | 380 |
| Retained earnings to average equity (ytd only) | -16.6704% | 7,554 |
| Net charge-offs to loans | 0.3195% | 3,261 |
| Credit loss provision to net charge-offs | 61.2245% | 6,217 |
| Earnings coverage of net charge-offs (x) | 12.7959% | 2,204 |
| Efficiency ratio | 36.9427% | 8,177 |
| Assets per employee ($millions) | 5.4303% | 1,512 |
| Cash dividends to net income (ytd only)* | 183.6404% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 2,722 |
| Loan loss allowance to noncurrent loans | 58.6420% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 3,355 |
| Noncurrent loans to loans | 2.5500% | 2,134 |
| Net loans and leases to total assets | 53.7794% | 6,681 |
| Net loans and leases to deposits | 60.8569% | 7,025 |
| Net loans and leases to core deposits | 69.7070% | 7,206 |
| Total domestic deposits to total assets | 88.3703% | 1,305 |
| Equity capital to assets | 11.2369% | 2,854 |
| Core capital (leverage) ratio | 10.8148% | 2,734 |
| Tier 1 risk-based capital ratio | 17.3796% | 2,211 |
| Total risk-based capital ratio | 18.6302% | 2,155 |
| Memoranda: | ||
| Average total assets | $80,831,200 | 5,668 |
| Average earning assets | $76,929,400 | 5,551 |
| Average equity | $8,986,000 | 5,741 |
| Average total loans | $46,006,000 | 5,874 |