Home > Feliciana Bank & Trust Company > Performance and Condition Ratios
Feliciana Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 993 |
| Cost of funding earning assets | 1.4753% | 2,006 |
| Net interest margin | 4.1687% | 979 |
| Noninterest income to average assets | 2.5900% | 212 |
| Noninterest expense to average assets | 3.3556% | 696 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 2.9817% | 165 |
| Return on assets (ROA) | 2.9817% | 163 |
| Pretax return on assets | 2.9817% | 209 |
| Return on Equity (ROE) | 30.7300% | 172 |
| Retained earnings to average equity (ytd only) | 16.7558% | 230 |
| Net charge-offs to loans | 0.0393% | 1,523 |
| Credit loss provision to net charge-offs | 483.3333% | 693 |
| Earnings coverage of net charge-offs (x) | 106.0476% | 875 |
| Efficiency ratio | 51.7861% | 3,849 |
| Assets per employee ($millions) | 4.6394% | 3,861 |
| Cash dividends to net income (ytd only)* | 45.4717% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 1,136 |
| Loan loss allowance to noncurrent loans | 368.9278% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 1,107 |
| Noncurrent loans to loans | 0.3991% | 1,788 |
| Net loans and leases to total assets | 76.0000% | 1,116 |
| Net loans and leases to deposits | 90.8967% | 1,192 |
| Net loans and leases to core deposits | 112.9960% | 846 |
| Total domestic deposits to total assets | 83.6100% | 2,729 |
| Equity capital to assets | 10.3523% | 1,812 |
| Core capital (leverage) ratio | 12.6837% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $142,567,600 | 3,436 |
| Average earning assets | $132,919,600 | 3,417 |
| Average equity | $13,834,000 | 3,360 |
| Average total loans | $106,907,600 | 3,108 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 980 |
| Cost of funding earning assets | 1.3292% | 2,064 |
| Net interest margin | 4.1967% | 927 |
| Noninterest income to average assets | 3.2400% | 183 |
| Noninterest expense to average assets | 3.5077% | 550 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 3.5947% | 128 |
| Return on assets (ROA) | 3.5947% | 128 |
| Pretax return on assets | 3.5947% | 150 |
| Return on Equity (ROE) | 37.7100% | 133 |
| Retained earnings to average equity (ytd only) | 32.9106% | 68 |
| Net charge-offs to loans | 0.0317% | 1,444 |
| Credit loss provision to net charge-offs | 212.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 154.2800% | 711 |
| Efficiency ratio | 49.0421% | 3,981 |
| Assets per employee ($millions) | 4.7533% | 3,771 |
| Cash dividends to net income (ytd only)* | 12.7234% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,347 |
| Loan loss allowance to noncurrent loans | 392.1717% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 1,243 |
| Noncurrent loans to loans | 0.3635% | 1,928 |
| Net loans and leases to total assets | 72.8800% | 1,481 |
| Net loans and leases to deposits | 86.0273% | 1,572 |
| Net loans and leases to core deposits | 107.1113% | 973 |
| Total domestic deposits to total assets | 84.7200% | 2,590 |
| Equity capital to assets | 10.1832% | 1,718 |
| Core capital (leverage) ratio | 13.6406% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $141,094,500 | 3,456 |
| Average earning assets | $131,402,750 | 3,440 |
| Average equity | $13,450,250 | 3,380 |
| Average total loans | $105,005,250 | 3,124 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3786% | 976 |
| Cost of funding earning assets | 1.1164% | 2,224 |
| Net interest margin | 4.2622% | 849 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 3.7969% | 405 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6201% | 3,531 |
| Return on assets (ROA) | 0.6201% | 3,533 |
| Pretax return on assets | 0.6201% | 3,758 |
| Return on Equity (ROE) | 6.6700% | 3,546 |
| Retained earnings to average equity (ytd only) | 3.4024% | 3,374 |
| Net charge-offs to loans | 0.0366% | 1,173 |
| Credit loss provision to net charge-offs | 278.9474% | 898 |
| Earnings coverage of net charge-offs (x) | 25.4737% | 1,626 |
| Efficiency ratio | 84.5021% | 570 |
| Assets per employee ($millions) | 4.9051% | 3,672 |
| Cash dividends to net income (ytd only)* | 48.9559% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 1,354 |
| Loan loss allowance to noncurrent loans | 351.1261% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 1,046 |
| Noncurrent loans to loans | 0.4129% | 1,693 |
| Net loans and leases to total assets | 74.4900% | 1,226 |
| Net loans and leases to deposits | 87.1099% | 1,419 |
| Net loans and leases to core deposits | 108.2879% | 893 |
| Total domestic deposits to total assets | 85.5100% | 2,389 |
| Equity capital to assets | 9.1031% | 2,441 |
| Core capital (leverage) ratio | 11.8332% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $139,009,000 | 3,485 |
| Average earning assets | $129,698,000 | 3,462 |
| Average equity | $12,932,000 | 3,442 |
| Average total loans | $103,691,667 | 3,133 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 1,008 |
| Cost of funding earning assets | 0.8954% | 2,385 |
| Net interest margin | 4.2615% | 861 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 3.1473% | 867 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.5314% | 1,113 |
| Return on assets (ROA) | 1.5314% | 1,094 |
| Pretax return on assets | 1.5314% | 1,600 |
| Return on Equity (ROE) | 16.2800% | 1,300 |
| Retained earnings to average equity (ytd only) | 9.7497% | 1,756 |
| Net charge-offs to loans | 0.0275% | 1,143 |
| Credit loss provision to net charge-offs | 757.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 82.7143% | 881 |
| Efficiency ratio | 65.1205% | 2,312 |
| Assets per employee ($millions) | 4.5023% | 4,021 |
| Cash dividends to net income (ytd only)* | 40.1141% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,198 |
| Loan loss allowance to noncurrent loans | 195.6413% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 896 |
| Noncurrent loans to loans | 0.7769% | 990 |
| Net loans and leases to total assets | 72.9300% | 1,327 |
| Net loans and leases to deposits | 85.2296% | 1,412 |
| Net loans and leases to core deposits | 103.3517% | 947 |
| Total domestic deposits to total assets | 85.5700% | 2,702 |
| Equity capital to assets | 9.4855% | 2,156 |
| Core capital (leverage) ratio | 12.2278% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $137,389,000 | 3,540 |
| Average earning assets | $128,217,000 | 3,527 |
| Average equity | $12,923,500 | 3,481 |
| Average total loans | $101,776,000 | 3,193 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 702 |
| Cost of funding earning assets | 0.4254% | 1,900 |
| Net interest margin | 4.0892% | 671 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.8493% | 1,228 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2593% | 1,569 |
| Return on assets (ROA) | 1.2593% | 1,514 |
| Pretax return on assets | 1.2593% | 2,237 |
| Return on Equity (ROE) | 13.3400% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.3336% | 2,902 |
| Net charge-offs to loans | 0.1582% | 522 |
| Credit loss provision to net charge-offs | 102.0134% | 1,541 |
| Earnings coverage of net charge-offs (x) | 12.9060% | 2,091 |
| Efficiency ratio | 67.5717% | 2,013 |
| Assets per employee ($millions) | 4.2252% | 4,184 |
| Cash dividends to net income (ytd only)* | 60.0226% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,140 |
| Loan loss allowance to noncurrent loans | 170.9641% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 751 |
| Noncurrent loans to loans | 0.8903% | 832 |
| Net loans and leases to total assets | 72.9800% | 1,315 |
| Net loans and leases to deposits | 85.8744% | 1,323 |
| Net loans and leases to core deposits | 100.8422% | 953 |
| Total domestic deposits to total assets | 84.9800% | 2,994 |
| Equity capital to assets | 9.3250% | 2,130 |
| Core capital (leverage) ratio | 12.3162% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $140,632,000 | 3,525 |
| Average earning assets | $132,567,400 | 3,500 |
| Average equity | $13,274,400 | 3,545 |
| Average total loans | $94,171,200 | 3,229 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 592 |
| Cost of funding earning assets | 0.3848% | 1,402 |
| Net interest margin | 4.0122% | 628 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.8105% | 1,229 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2902% | 1,385 |
| Return on assets (ROA) | 1.2902% | 1,356 |
| Pretax return on assets | 1.2902% | 2,076 |
| Return on Equity (ROE) | 13.6300% | 1,529 |
| Retained earnings to average equity (ytd only) | 5.6840% | 2,863 |
| Net charge-offs to loans | 0.0086% | 1,813 |
| Credit loss provision to net charge-offs | 1,283.3333% | 338 |
| Earnings coverage of net charge-offs (x) | 241.8333% | 549 |
| Efficiency ratio | 67.3492% | 2,110 |
| Assets per employee ($millions) | 4.0941% | 4,276 |
| Cash dividends to net income (ytd only)* | 58.2969% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 908 |
| Loan loss allowance to noncurrent loans | 180.2036% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 804 |
| Noncurrent loans to loans | 0.9322% | 836 |
| Net loans and leases to total assets | 69.0100% | 1,569 |
| Net loans and leases to deposits | 77.9418% | 1,717 |
| Net loans and leases to core deposits | 90.7349% | 1,255 |
| Total domestic deposits to total assets | 88.5400% | 2,261 |
| Equity capital to assets | 8.5570% | 2,505 |
| Core capital (leverage) ratio | 11.5097% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $141,988,250 | 3,540 |
| Average earning assets | $134,086,500 | 3,504 |
| Average equity | $13,441,000 | 3,566 |
| Average total loans | $92,665,750 | 3,259 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 645 |
| Cost of funding earning assets | 0.3635% | 1,167 |
| Net interest margin | 3.8298% | 705 |
| Noninterest income to average assets | 0.3244% | 3,230 |
| Noninterest expense to average assets | 2.6892% | 1,417 |
| Loan and lease loss provision to assets | 0.0707% | 1,353 |
| Net operating income to assets | 1.1866% | 1,475 |
| Return on assets (ROA) | 1.1866% | 1,450 |
| Pretax return on assets | 1.1866% | 2,121 |
| Return on Equity (ROE) | 12.1698% | 1,627 |
| Retained earnings to average equity (ytd only) | 5.0470% | 2,692 |
| Net charge-offs to loans | 0.0131% | 1,523 |
| Credit loss provision to net charge-offs | 850.0000% | 460 |
| Earnings coverage of net charge-offs (x) | 151.1667% | 639 |
| Efficiency ratio | 68.1419% | 2,220 |
| Assets per employee ($millions) | 4.3518% | 4,176 |
| Cash dividends to net income (ytd only)* | 58.5280% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 979 |
| Loan loss allowance to noncurrent loans | 288.2353% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 1,385 |
| Noncurrent loans to loans | 0.5865% | 1,444 |
| Net loans and leases to total assets | 63.4925% | 1,967 |
| Net loans and leases to deposits | 71.8424% | 2,043 |
| Net loans and leases to core deposits | 82.6919% | 1,544 |
| Total domestic deposits to total assets | 88.3775% | 2,432 |
| Equity capital to assets | 8.8936% | 2,455 |
| Core capital (leverage) ratio | 11.1313% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,282,333 | 3,560 |
| Average earning assets | $136,455,667 | 3,533 |
| Average equity | $14,067,667 | 3,580 |
| Average total loans | $91,943,000 | 3,300 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 698 |
| Cost of funding earning assets | 0.3623% | 1,117 |
| Net interest margin | 3.6877% | 763 |
| Noninterest income to average assets | 0.2572% | 3,599 |
| Noninterest expense to average assets | 2.6193% | 1,554 |
| Loan and lease loss provision to assets | 0.0719% | 1,144 |
| Net operating income to assets | 1.0566% | 1,667 |
| Return on assets (ROA) | 1.0566% | 1,659 |
| Pretax return on assets | 1.0566% | 2,276 |
| Return on Equity (ROE) | 10.3836% | 1,829 |
| Retained earnings to average equity (ytd only) | 4.9200% | 2,614 |
| Net charge-offs to loans | 0.0393% | 888 |
| Credit loss provision to net charge-offs | 288.8889% | 678 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 957 |
| Efficiency ratio | 69.8893% | 2,246 |
| Assets per employee ($millions) | 4.3819% | 4,209 |
| Cash dividends to net income (ytd only)* | 52.6178% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 1,099 |
| Loan loss allowance to noncurrent loans | 292.2201% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 1,528 |
| Noncurrent loans to loans | 0.5727% | 1,610 |
| Net loans and leases to total assets | 62.5713% | 1,791 |
| Net loans and leases to deposits | 71.1920% | 1,845 |
| Net loans and leases to core deposits | 81.7204% | 1,365 |
| Total domestic deposits to total assets | 87.8910% | 2,574 |
| Equity capital to assets | 9.5095% | 2,271 |
| Core capital (leverage) ratio | 10.8899% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,619,000 | 3,570 |
| Average earning assets | $136,887,000 | 3,537 |
| Average equity | $14,715,500 | 3,591 |
| Average total loans | $91,540,000 | 3,304 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 328 |
| Cost of funding earning assets | 0.5477% | 721 |
| Net interest margin | 4.3079% | 398 |
| Noninterest income to average assets | 0.2152% | 4,078 |
| Noninterest expense to average assets | 2.6460% | 1,759 |
| Loan and lease loss provision to assets | 0.0516% | 2,025 |
| Net operating income to assets | 1.5960% | 820 |
| Return on assets (ROA) | 1.5960% | 855 |
| Pretax return on assets | 1.5960% | 1,433 |
| Return on Equity (ROE) | 14.9393% | 964 |
| Retained earnings to average equity (ytd only) | 6.0246% | 2,351 |
| Net charge-offs to loans | 0.1375% | 676 |
| Credit loss provision to net charge-offs | 58.1395% | 2,079 |
| Earnings coverage of net charge-offs (x) | 18.5736% | 1,906 |
| Efficiency ratio | 61.6272% | 2,919 |
| Assets per employee ($millions) | 4.3829% | 4,207 |
| Cash dividends to net income (ytd only)* | 59.6726% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 1,110 |
| Loan loss allowance to noncurrent loans | 167.1789% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 990 |
| Noncurrent loans to loans | 1.0004% | 985 |
| Net loans and leases to total assets | 61.9055% | 1,954 |
| Net loans and leases to deposits | 71.7519% | 1,933 |
| Net loans and leases to core deposits | 83.4035% | 1,366 |
| Total domestic deposits to total assets | 86.2772% | 2,814 |
| Equity capital to assets | 10.8411% | 1,910 |
| Core capital (leverage) ratio | 10.5237% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,425,800 | 3,530 |
| Average earning assets | $137,677,600 | 3,503 |
| Average equity | $15,536,200 | 3,582 |
| Average total loans | $93,804,400 | 3,278 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9854% | 305 |
| Cost of funding earning assets | 0.5797% | 702 |
| Net interest margin | 4.4057% | 372 |
| Noninterest income to average assets | 0.2307% | 4,021 |
| Noninterest expense to average assets | 2.6286% | 1,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7698% | 710 |
| Return on assets (ROA) | 1.7698% | 746 |
| Pretax return on assets | 1.7698% | 1,239 |
| Return on Equity (ROE) | 16.6273% | 826 |
| Retained earnings to average equity (ytd only) | 9.4706% | 1,502 |
| Net charge-offs to loans | 0.1383% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 19.7245% | 1,751 |
| Efficiency ratio | 59.7627% | 3,013 |
| Assets per employee ($millions) | 4.5321% | 4,108 |
| Cash dividends to net income (ytd only)* | 43.0419% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 1,266 |
| Loan loss allowance to noncurrent loans | 691.5888% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 2,985 |
| Noncurrent loans to loans | 0.2353% | 2,995 |
| Net loans and leases to total assets | 59.8128% | 2,287 |
| Net loans and leases to deposits | 71.9672% | 2,059 |
| Net loans and leases to core deposits | 85.4273% | 1,327 |
| Total domestic deposits to total assets | 83.1111% | 3,677 |
| Equity capital to assets | 10.7154% | 2,248 |
| Core capital (leverage) ratio | 10.5601% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,623,500 | 3,562 |
| Average earning assets | $137,758,750 | 3,532 |
| Average equity | $15,500,250 | 3,629 |
| Average total loans | $94,490,500 | 3,315 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 544 |
| Cost of funding earning assets | 0.6155% | 686 |
| Net interest margin | 4.0646% | 739 |
| Noninterest income to average assets | 0.2605% | 3,834 |
| Noninterest expense to average assets | 2.6484% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4469% | 1,425 |
| Return on assets (ROA) | 1.4469% | 1,494 |
| Pretax return on assets | 1.4469% | 2,186 |
| Return on Equity (ROE) | 13.6248% | 1,533 |
| Retained earnings to average equity (ytd only) | 6.4470% | 2,640 |
| Net charge-offs to loans | 0.1965% | 436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11.1064% | 1,775 |
| Efficiency ratio | 64.6701% | 2,337 |
| Assets per employee ($millions) | 4.5190% | 4,095 |
| Cash dividends to net income (ytd only)* | 52.6820% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,569 |
| Loan loss allowance to noncurrent loans | 329.7778% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 2,280 |
| Noncurrent loans to loans | 0.4571% | 2,306 |
| Net loans and leases to total assets | 65.0247% | 1,827 |
| Net loans and leases to deposits | 78.2635% | 1,590 |
| Net loans and leases to core deposits | 93.3571% | 934 |
| Total domestic deposits to total assets | 83.0843% | 3,686 |
| Equity capital to assets | 10.3763% | 2,513 |
| Core capital (leverage) ratio | 10.2694% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,311,333 | 3,585 |
| Average earning assets | $136,152,333 | 3,558 |
| Average equity | $15,325,000 | 3,647 |
| Average total loans | $95,675,333 | 3,314 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9779% | 111 |
| Cost of funding earning assets | 0.6715% | 611 |
| Net interest margin | 5.3064% | 133 |
| Noninterest income to average assets | 0.4228% | 2,975 |
| Noninterest expense to average assets | 2.6976% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7145% | 197 |
| Return on assets (ROA) | 2.7145% | 221 |
| Pretax return on assets | 2.7145% | 330 |
| Return on Equity (ROE) | 24.8644% | 261 |
| Retained earnings to average equity (ytd only) | 17.1185% | 415 |
| Net charge-offs to loans | 0.4073% | 204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10.0313% | 1,514 |
| Efficiency ratio | 49.8438% | 4,194 |
| Assets per employee ($millions) | 4.3835% | 4,205 |
| Cash dividends to net income (ytd only)* | 31.1526% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,478 |
| Loan loss allowance to noncurrent loans | 341.4747% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 2,207 |
| Noncurrent loans to loans | 0.4498% | 2,508 |
| Net loans and leases to total assets | 65.6795% | 1,834 |
| Net loans and leases to deposits | 79.1964% | 1,595 |
| Net loans and leases to core deposits | 94.7975% | 934 |
| Total domestic deposits to total assets | 82.9324% | 3,701 |
| Equity capital to assets | 10.7878% | 2,018 |
| Core capital (leverage) ratio | 10.8556% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,903,000 | 3,619 |
| Average earning assets | $133,425,000 | 3,592 |
| Average equity | $15,492,000 | 3,637 |
| Average total loans | $94,286,000 | 3,346 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 725 |
| Cost of funding earning assets | 0.9310% | 765 |
| Net interest margin | 3.8778% | 1,283 |
| Noninterest income to average assets | 0.2236% | 4,156 |
| Noninterest expense to average assets | 2.8511% | 1,814 |
| Loan and lease loss provision to assets | 0.0675% | 3,534 |
| Net operating income to assets | 0.9404% | 2,522 |
| Return on assets (ROA) | 0.9404% | 2,668 |
| Pretax return on assets | 0.9404% | 3,251 |
| Return on Equity (ROE) | 8.2912% | 2,695 |
| Retained earnings to average equity (ytd only) | 2.9181% | 3,410 |
| Net charge-offs to loans | 0.1836% | 921 |
| Credit loss provision to net charge-offs | 50.2793% | 3,144 |
| Earnings coverage of net charge-offs (x) | 7.5028% | 2,691 |
| Efficiency ratio | 73.8818% | 1,465 |
| Assets per employee ($millions) | 4.2167% | 4,204 |
| Cash dividends to net income (ytd only)* | 64.8045% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 1,011 |
| Loan loss allowance to noncurrent loans | 218.5596% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.9946% | 958 |
| Noncurrent loans to loans | 0.7841% | 1,767 |
| Net loans and leases to total assets | 65.0397% | 2,221 |
| Net loans and leases to deposits | 78.9456% | 1,980 |
| Net loans and leases to core deposits | 95.2764% | 1,164 |
| Total domestic deposits to total assets | 82.3854% | 3,571 |
| Equity capital to assets | 11.0519% | 2,207 |
| Core capital (leverage) ratio | 10.8489% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,246,400 | 3,587 |
| Average earning assets | $124,914,800 | 3,570 |
| Average equity | $15,112,400 | 3,640 |
| Average total loans | $97,515,600 | 3,270 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 667 |
| Cost of funding earning assets | 0.9797% | 818 |
| Net interest margin | 3.9705% | 1,183 |
| Noninterest income to average assets | 0.2064% | 4,236 |
| Noninterest expense to average assets | 2.8949% | 1,713 |
| Loan and lease loss provision to assets | 0.0607% | 3,583 |
| Net operating income to assets | 0.9744% | 2,434 |
| Return on assets (ROA) | 0.9744% | 2,568 |
| Pretax return on assets | 0.9744% | 3,148 |
| Return on Equity (ROE) | 8.5338% | 2,588 |
| Retained earnings to average equity (ytd only) | 3.7662% | 3,161 |
| Net charge-offs to loans | 0.1402% | 1,038 |
| Credit loss provision to net charge-offs | 57.6923% | 2,863 |
| Earnings coverage of net charge-offs (x) | 9.8365% | 2,400 |
| Efficiency ratio | 73.6612% | 1,441 |
| Assets per employee ($millions) | 4.4811% | 3,868 |
| Cash dividends to net income (ytd only)* | 55.8671% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 880 |
| Loan loss allowance to noncurrent loans | 130.5712% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 565 |
| Noncurrent loans to loans | 1.3088% | 1,128 |
| Net loans and leases to total assets | 69.4391% | 2,035 |
| Net loans and leases to deposits | 84.9129% | 1,816 |
| Net loans and leases to core deposits | 103.2839% | 967 |
| Total domestic deposits to total assets | 81.7768% | 3,478 |
| Equity capital to assets | 11.4585% | 2,042 |
| Core capital (leverage) ratio | 11.0705% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,770,000 | 3,590 |
| Average earning assets | $123,573,750 | 3,571 |
| Average equity | $15,045,750 | 3,649 |
| Average total loans | $98,874,000 | 3,259 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 724 |
| Cost of funding earning assets | 1.0416% | 863 |
| Net interest margin | 4.0320% | 1,257 |
| Noninterest income to average assets | 0.2277% | 4,121 |
| Noninterest expense to average assets | 2.7949% | 2,108 |
| Loan and lease loss provision to assets | 0.0458% | 3,723 |
| Net operating income to assets | 1.1491% | 1,802 |
| Return on assets (ROA) | 1.1491% | 1,930 |
| Pretax return on assets | 1.1491% | 2,550 |
| Return on Equity (ROE) | 10.0762% | 1,955 |
| Retained earnings to average equity (ytd only) | 4.5557% | 2,679 |
| Net charge-offs to loans | 0.1118% | 1,179 |
| Credit loss provision to net charge-offs | 53.5714% | 2,606 |
| Earnings coverage of net charge-offs (x) | 13.9643% | 1,970 |
| Efficiency ratio | 70.0498% | 1,948 |
| Assets per employee ($millions) | 4.0693% | 4,238 |
| Cash dividends to net income (ytd only)* | 54.7872% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 890 |
| Loan loss allowance to noncurrent loans | 113.8099% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 844 |
| Noncurrent loans to loans | 1.4600% | 1,047 |
| Net loans and leases to total assets | 72.2767% | 1,657 |
| Net loans and leases to deposits | 88.4768% | 1,506 |
| Net loans and leases to core deposits | 107.5696% | 835 |
| Total domestic deposits to total assets | 81.6901% | 3,449 |
| Equity capital to assets | 11.4195% | 2,024 |
| Core capital (leverage) ratio | 11.1253% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,882,333 | 3,588 |
| Average earning assets | $122,124,333 | 3,577 |
| Average equity | $14,926,333 | 3,663 |
| Average total loans | $100,174,667 | 3,230 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 840 |
| Cost of funding earning assets | 1.1160% | 1,002 |
| Net interest margin | 3.9579% | 1,504 |
| Noninterest income to average assets | 0.3035% | 3,696 |
| Noninterest expense to average assets | 2.8023% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1581% | 1,664 |
| Return on assets (ROA) | 1.1581% | 1,772 |
| Pretax return on assets | 1.1581% | 2,341 |
| Return on Equity (ROE) | 10.1617% | 1,690 |
| Retained earnings to average equity (ytd only) | 5.0808% | 2,241 |
| Net charge-offs to loans | 0.0793% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 18.7000% | 1,461 |
| Efficiency ratio | 70.7584% | 2,252 |
| Assets per employee ($millions) | 4.1848% | 3,678 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 978 |
| Loan loss allowance to noncurrent loans | 61.0308% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 2.2423% | 332 |
| Noncurrent loans to loans | 2.6879% | 427 |
| Net loans and leases to total assets | 76.0742% | 1,293 |
| Net loans and leases to deposits | 93.4432% | 1,129 |
| Net loans and leases to core deposits | 114.5000% | 647 |
| Total domestic deposits to total assets | 81.4122% | 3,570 |
| Equity capital to assets | 11.4877% | 2,443 |
| Core capital (leverage) ratio | 11.2720% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,179,500 | 3,592 |
| Average earning assets | $119,356,500 | 3,587 |
| Average equity | $14,722,000 | 3,691 |
| Average total loans | $100,912,500 | 3,213 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 1,027 |
| Cost of funding earning assets | 0.9394% | 2,011 |
| Net interest margin | 4.2455% | 1,219 |
| Noninterest income to average assets | 0.2355% | 4,269 |
| Noninterest expense to average assets | 2.9120% | 2,259 |
| Loan and lease loss provision to assets | 0.0465% | 3,096 |
| Net operating income to assets | 1.2472% | 1,878 |
| Return on assets (ROA) | 1.2519% | 1,949 |
| Pretax return on assets | 1.2519% | 2,661 |
| Return on Equity (ROE) | 11.4012% | 1,730 |
| Retained earnings to average equity (ytd only) | 3.4359% | 3,290 |
| Net charge-offs to loans | 0.0787% | 1,974 |
| Credit loss provision to net charge-offs | 75.0000% | 2,851 |
| Earnings coverage of net charge-offs (x) | 20.8750% | 1,913 |
| Efficiency ratio | 69.2393% | 2,285 |
| Assets per employee ($millions) | 3.8978% | 4,034 |
| Cash dividends to net income (ytd only)* | 69.8639% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 899 |
| Loan loss allowance to noncurrent loans | 135.2273% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0635% | 1,164 |
| Noncurrent loans to loans | 1.2139% | 1,235 |
| Net loans and leases to total assets | 77.6046% | 1,138 |
| Net loans and leases to deposits | 95.3792% | 1,006 |
| Net loans and leases to core deposits | 116.9561% | 565 |
| Total domestic deposits to total assets | 81.3642% | 3,688 |
| Equity capital to assets | 11.3046% | 2,699 |
| Core capital (leverage) ratio | 11.5909% | 2,042 |
| Tier 1 risk-based capital ratio | 15.9072% | 2,439 |
| Total risk-based capital ratio | 17.1643% | 2,380 |
| Memoranda: | ||
| Average total assets | $129,088,200 | 3,575 |
| Average earning assets | $120,715,800 | 3,552 |
| Average equity | $14,174,000 | 3,727 |
| Average total loans | $101,683,600 | 3,204 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 1,137 |
| Cost of funding earning assets | 0.9187% | 2,142 |
| Net interest margin | 4.2372% | 1,289 |
| Noninterest income to average assets | 0.2219% | 4,401 |
| Noninterest expense to average assets | 2.8131% | 2,529 |
| Loan and lease loss provision to assets | 0.0619% | 2,664 |
| Net operating income to assets | 1.3353% | 1,700 |
| Return on assets (ROA) | 1.3415% | 1,748 |
| Pretax return on assets | 1.3415% | 2,524 |
| Return on Equity (ROE) | 12.3083% | 1,509 |
| Retained earnings to average equity (ytd only) | 4.9518% | 2,911 |
| Net charge-offs to loans | 0.0970% | 1,503 |
| Credit loss provision to net charge-offs | 81.0811% | 2,488 |
| Earnings coverage of net charge-offs (x) | 18.2981% | 2,055 |
| Efficiency ratio | 66.8137% | 2,615 |
| Assets per employee ($millions) | 3.8604% | 4,085 |
| Cash dividends to net income (ytd only)* | 59.7690% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 913 |
| Loan loss allowance to noncurrent loans | 192.9561% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 1,754 |
| Noncurrent loans to loans | 0.8522% | 1,878 |
| Net loans and leases to total assets | 78.4525% | 1,065 |
| Net loans and leases to deposits | 94.3597% | 1,188 |
| Net loans and leases to core deposits | 114.1462% | 743 |
| Total domestic deposits to total assets | 83.1419% | 3,111 |
| Equity capital to assets | 11.4637% | 2,683 |
| Core capital (leverage) ratio | 11.3934% | 2,311 |
| Tier 1 risk-based capital ratio | 16.0278% | 2,415 |
| Total risk-based capital ratio | 17.2856% | 2,355 |
| Memoranda: | ||
| Average total assets | $129,203,000 | 3,614 |
| Average earning assets | $121,618,000 | 3,579 |
| Average equity | $14,082,250 | 3,773 |
| Average total loans | $101,732,500 | 3,242 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 1,219 |
| Cost of funding earning assets | 0.8940% | 2,176 |
| Net interest margin | 4.2062% | 1,349 |
| Noninterest income to average assets | 0.2111% | 4,476 |
| Noninterest expense to average assets | 2.7492% | 2,754 |
| Loan and lease loss provision to assets | 0.0925% | 1,997 |
| Net operating income to assets | 1.3499% | 1,576 |
| Return on assets (ROA) | 1.3592% | 1,607 |
| Pretax return on assets | 1.3592% | 2,349 |
| Return on Equity (ROE) | 12.6830% | 1,339 |
| Retained earnings to average equity (ytd only) | 5.1192% | 2,712 |
| Net charge-offs to loans | 0.1297% | 1,163 |
| Credit loss provision to net charge-offs | 90.9091% | 2,122 |
| Earnings coverage of net charge-offs (x) | 14.1818% | 2,054 |
| Efficiency ratio | 65.5882% | 2,874 |
| Assets per employee ($millions) | 3.9762% | 3,897 |
| Cash dividends to net income (ytd only)* | 59.6372% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 908 |
| Loan loss allowance to noncurrent loans | 215.9383% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 1,979 |
| Noncurrent loans to loans | 0.7662% | 2,065 |
| Net loans and leases to total assets | 78.4795% | 1,129 |
| Net loans and leases to deposits | 91.9712% | 1,487 |
| Net loans and leases to core deposits | 111.2752% | 898 |
| Total domestic deposits to total assets | 85.3305% | 2,331 |
| Equity capital to assets | 11.2845% | 2,792 |
| Core capital (leverage) ratio | 11.1035% | 2,501 |
| Tier 1 risk-based capital ratio | 15.7581% | 2,519 |
| Total risk-based capital ratio | 17.0158% | 2,453 |
| Memoranda: | ||
| Average total assets | $129,785,000 | 3,622 |
| Average earning assets | $122,818,670 | 3,584 |
| Average equity | $13,908,330 | 3,800 |
| Average total loans | $101,750,330 | 3,264 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 1,288 |
| Cost of funding earning assets | 0.8529% | 2,256 |
| Net interest margin | 4.1679% | 1,380 |
| Noninterest income to average assets | 0.2350% | 4,330 |
| Noninterest expense to average assets | 2.6889% | 2,944 |
| Loan and lease loss provision to assets | 0.0916% | 1,889 |
| Net operating income to assets | 1.4070% | 1,355 |
| Return on assets (ROA) | 1.4253% | 1,335 |
| Pretax return on assets | 1.4253% | 2,001 |
| Return on Equity (ROE) | 13.6515% | 1,042 |
| Retained earnings to average equity (ytd only) | 5.5834% | 2,652 |
| Net charge-offs to loans | -0.0196% | 4,483 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2128% | 3,203 |
| Assets per employee ($millions) | 4.1015% | 3,779 |
| Cash dividends to net income (ytd only)* | 59.1006% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 878 |
| Loan loss allowance to noncurrent loans | 202.9481% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 1,934 |
| Noncurrent loans to loans | 0.8325% | 1,973 |
| Net loans and leases to total assets | 76.2998% | 1,433 |
| Net loans and leases to deposits | 88.6385% | 1,785 |
| Net loans and leases to core deposits | 109.4042% | 965 |
| Total domestic deposits to total assets | 86.0798% | 2,242 |
| Equity capital to assets | 10.6303% | 3,221 |
| Core capital (leverage) ratio | 10.7479% | 2,804 |
| Tier 1 risk-based capital ratio | 14.7732% | 2,976 |
| Total risk-based capital ratio | 16.0298% | 2,909 |
| Memoranda: | ||
| Average total assets | $131,059,000 | 3,644 |
| Average earning assets | $124,284,000 | 3,598 |
| Average equity | $13,683,500 | 3,847 |
| Average total loans | $101,858,000 | 3,298 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 1,157 |
| Cost of funding earning assets | 0.6993% | 2,099 |
| Net interest margin | 4.2518% | 1,277 |
| Noninterest income to average assets | 0.3202% | 3,964 |
| Noninterest expense to average assets | 2.7651% | 2,807 |
| Loan and lease loss provision to assets | 0.0917% | 2,317 |
| Net operating income to assets | 1.4643% | 1,223 |
| Return on assets (ROA) | 1.4643% | 1,215 |
| Pretax return on assets | 1.4643% | 1,894 |
| Return on Equity (ROE) | 14.8362% | 863 |
| Retained earnings to average equity (ytd only) | 5.9314% | 2,230 |
| Net charge-offs to loans | 0.0212% | 2,998 |
| Credit loss provision to net charge-offs | 571.4286% | 615 |
| Earnings coverage of net charge-offs (x) | 96.9524% | 753 |
| Efficiency ratio | 63.9901% | 3,195 |
| Assets per employee ($millions) | 4.0897% | 3,761 |
| Cash dividends to net income (ytd only)* | 60.0209% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 918 |
| Loan loss allowance to noncurrent loans | 174.2503% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 1,708 |
| Noncurrent loans to loans | 0.9494% | 1,700 |
| Net loans and leases to total assets | 76.5401% | 1,513 |
| Net loans and leases to deposits | 89.3695% | 1,882 |
| Net loans and leases to core deposits | 109.8454% | 1,016 |
| Total domestic deposits to total assets | 85.6445% | 2,380 |
| Equity capital to assets | 10.2506% | 3,425 |
| Core capital (leverage) ratio | 10.4816% | 3,047 |
| Tier 1 risk-based capital ratio | 14.3768% | 3,123 |
| Total risk-based capital ratio | 15.6330% | 3,037 |
| Memoranda: | ||
| Average total assets | $130,846,800 | 3,642 |
| Average earning assets | $123,125,000 | 3,598 |
| Average equity | $12,914,400 | 3,897 |
| Average total loans | $99,095,600 | 3,314 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 1,160 |
| Cost of funding earning assets | 0.6828% | 1,959 |
| Net interest margin | 4.2171% | 1,310 |
| Noninterest income to average assets | 0.2395% | 4,537 |
| Noninterest expense to average assets | 2.7289% | 2,884 |
| Loan and lease loss provision to assets | 0.0917% | 2,144 |
| Net operating income to assets | 1.3777% | 1,565 |
| Return on assets (ROA) | 1.3777% | 1,567 |
| Pretax return on assets | 1.3777% | 2,309 |
| Return on Equity (ROE) | 14.0948% | 1,094 |
| Retained earnings to average equity (ytd only) | 5.6817% | 2,832 |
| Net charge-offs to loans | 0.0108% | 3,034 |
| Credit loss provision to net charge-offs | 1,125.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 180.1893% | 477 |
| Efficiency ratio | 65.0000% | 3,035 |
| Assets per employee ($millions) | 5.0551% | 2,403 |
| Cash dividends to net income (ytd only)* | 59.6892% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 949 |
| Loan loss allowance to noncurrent loans | 175.2101% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 2,110 |
| Noncurrent loans to loans | 0.9457% | 1,796 |
| Net loans and leases to total assets | 72.5366% | 2,245 |
| Net loans and leases to deposits | 83.0778% | 2,701 |
| Net loans and leases to core deposits | 100.4006% | 1,750 |
| Total domestic deposits to total assets | 87.3116% | 1,591 |
| Equity capital to assets | 9.4441% | 4,136 |
| Core capital (leverage) ratio | 10.1717% | 3,440 |
| Tier 1 risk-based capital ratio | 13.9917% | 3,375 |
| Total risk-based capital ratio | 15.2470% | 3,281 |
| Memoranda: | ||
| Average total assets | $130,841,000 | 3,671 |
| Average earning assets | $122,829,500 | 3,639 |
| Average equity | $12,789,250 | 3,944 |
| Average total loans | $98,406,250 | 3,353 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 1,165 |
| Cost of funding earning assets | 0.6815% | 1,730 |
| Net interest margin | 4.1519% | 1,403 |
| Noninterest income to average assets | 0.2156% | 4,734 |
| Noninterest expense to average assets | 2.7420% | 2,874 |
| Loan and lease loss provision to assets | 0.0931% | 2,056 |
| Net operating income to assets | 1.2733% | 1,885 |
| Return on assets (ROA) | 1.2733% | 1,889 |
| Pretax return on assets | 1.2733% | 2,623 |
| Return on Equity (ROE) | 12.8727% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.1742% | 2,986 |
| Net charge-offs to loans | -0.0184% | 4,531 |
| Credit loss provision to net charge-offs | -666.6667% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7422% | 2,859 |
| Assets per employee ($millions) | 4.9822% | 2,443 |
| Cash dividends to net income (ytd only)* | 59.8051% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 935 |
| Loan loss allowance to noncurrent loans | 277.2194% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,811 |
| Noncurrent loans to loans | 0.6062% | 2,598 |
| Net loans and leases to total assets | 71.9802% | 2,279 |
| Net loans and leases to deposits | 82.5141% | 2,711 |
| Net loans and leases to core deposits | 100.1168% | 1,730 |
| Total domestic deposits to total assets | 87.2338% | 1,747 |
| Equity capital to assets | 9.5250% | 4,075 |
| Core capital (leverage) ratio | 10.3818% | 3,157 |
| Tier 1 risk-based capital ratio | 14.2409% | 3,241 |
| Total risk-based capital ratio | 15.4968% | 3,158 |
| Memoranda: | ||
| Average total assets | $128,959,000 | 3,719 |
| Average earning assets | $120,908,330 | 3,690 |
| Average equity | $12,755,670 | 3,967 |
| Average total loans | $97,651,330 | 3,379 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 1,258 |
| Cost of funding earning assets | 0.6764% | 1,558 |
| Net interest margin | 4.0453% | 1,580 |
| Noninterest income to average assets | 0.2282% | 4,644 |
| Noninterest expense to average assets | 2.7421% | 2,902 |
| Loan and lease loss provision to assets | 0.0951% | 1,923 |
| Net operating income to assets | 1.2395% | 1,849 |
| Return on assets (ROA) | 1.2395% | 1,858 |
| Pretax return on assets | 1.2395% | 2,596 |
| Return on Equity (ROE) | 12.2888% | 1,478 |
| Retained earnings to average equity (ytd only) | 4.9030% | 3,227 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2628% | 2,958 |
| Assets per employee ($millions) | 4.8457% | 2,687 |
| Cash dividends to net income (ytd only)* | 60.1023% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 1,022 |
| Loan loss allowance to noncurrent loans | 246.7176% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 2,708 |
| Noncurrent loans to loans | 0.6748% | 2,529 |
| Net loans and leases to total assets | 72.9507% | 2,035 |
| Net loans and leases to deposits | 83.8524% | 2,402 |
| Net loans and leases to core deposits | 101.8417% | 1,544 |
| Total domestic deposits to total assets | 86.9989% | 2,124 |
| Equity capital to assets | 9.6687% | 3,920 |
| Core capital (leverage) ratio | 10.5254% | 2,918 |
| Tier 1 risk-based capital ratio | 14.2923% | 3,231 |
| Total risk-based capital ratio | 15.5487% | 3,144 |
| Memoranda: | ||
| Average total assets | $126,179,000 | 3,791 |
| Average earning assets | $120,041,500 | 3,747 |
| Average equity | $12,727,000 | 4,008 |
| Average total loans | $97,236,000 | 3,412 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 704 |
| Cost of funding earning assets | 0.6436% | 1,338 |
| Net interest margin | 4.3109% | 943 |
| Noninterest income to average assets | 0.2003% | 4,947 |
| Noninterest expense to average assets | 2.9941% | 2,181 |
| Loan and lease loss provision to assets | 0.0548% | 3,130 |
| Net operating income to assets | 1.2316% | 1,419 |
| Return on assets (ROA) | 1.2465% | 1,392 |
| Pretax return on assets | 1.2465% | 2,571 |
| Return on Equity (ROE) | 11.9956% | 1,216 |
| Retained earnings to average equity (ytd only) | 4.2065% | 2,642 |
| Net charge-offs to loans | 0.0488% | 2,811 |
| Credit loss provision to net charge-offs | 143.4783% | 1,847 |
| Earnings coverage of net charge-offs (x) | 33.6522% | 1,427 |
| Efficiency ratio | 69.9476% | 2,559 |
| Assets per employee ($millions) | 4.5009% | 3,180 |
| Cash dividends to net income (ytd only)* | 64.9333% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 1,077 |
| Loan loss allowance to noncurrent loans | 226.5714% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 2,309 |
| Noncurrent loans to loans | 0.7186% | 2,408 |
| Net loans and leases to total assets | 78.8534% | 1,146 |
| Net loans and leases to deposits | 91.8084% | 1,553 |
| Net loans and leases to core deposits | 111.9961% | 897 |
| Total domestic deposits to total assets | 85.8891% | 2,491 |
| Equity capital to assets | 10.5363% | 3,128 |
| Core capital (leverage) ratio | 10.7365% | 2,605 |
| Tier 1 risk-based capital ratio | 14.3826% | 3,148 |
| Total risk-based capital ratio | 15.6381% | 3,058 |
| Memoranda: | ||
| Average total assets | $120,335,800 | 3,889 |
| Average earning assets | $113,896,400 | 3,843 |
| Average equity | $12,504,600 | 4,055 |
| Average total loans | $94,320,200 | 3,443 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 724 |
| Cost of funding earning assets | 0.6200% | 1,404 |
| Net interest margin | 4.3023% | 920 |
| Noninterest income to average assets | 0.1955% | 5,035 |
| Noninterest expense to average assets | 3.0378% | 2,006 |
| Loan and lease loss provision to assets | 0.0400% | 3,310 |
| Net operating income to assets | 1.1874% | 1,748 |
| Return on assets (ROA) | 1.2074% | 1,694 |
| Pretax return on assets | 1.2074% | 2,874 |
| Return on Equity (ROE) | 11.6599% | 1,439 |
| Retained earnings to average equity (ytd only) | 2.3384% | 4,475 |
| Net charge-offs to loans | 0.0513% | 2,407 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 30.6938% | 1,534 |
| Efficiency ratio | 71.2240% | 2,335 |
| Assets per employee ($millions) | 4.1140% | 3,797 |
| Cash dividends to net income (ytd only)* | 79.9448% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 1,193 |
| Loan loss allowance to noncurrent loans | 186.2069% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 2,261 |
| Noncurrent loans to loans | 0.8696% | 2,200 |
| Net loans and leases to total assets | 77.0888% | 1,409 |
| Net loans and leases to deposits | 89.8779% | 1,824 |
| Net loans and leases to core deposits | 109.3736% | 1,065 |
| Total domestic deposits to total assets | 85.7705% | 2,400 |
| Equity capital to assets | 10.2893% | 3,597 |
| Core capital (leverage) ratio | 10.5881% | 2,890 |
| Tier 1 risk-based capital ratio | 14.4010% | 3,239 |
| Total risk-based capital ratio | 15.6568% | 3,153 |
| Memoranda: | ||
| Average total assets | $120,039,000 | 3,935 |
| Average earning assets | $113,548,500 | 3,893 |
| Average equity | $12,429,750 | 4,108 |
| Average total loans | $93,547,500 | 3,491 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 757 |
| Cost of funding earning assets | 0.5892% | 1,518 |
| Net interest margin | 4.2715% | 935 |
| Noninterest income to average assets | 0.2018% | 5,038 |
| Noninterest expense to average assets | 3.0510% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1992% | 1,599 |
| Return on assets (ROA) | 1.2059% | 1,609 |
| Pretax return on assets | 1.2059% | 2,748 |
| Return on Equity (ROE) | 11.6207% | 1,416 |
| Retained earnings to average equity (ytd only) | 2.8363% | 4,020 |
| Net charge-offs to loans | 0.0605% | 2,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 25.4643% | 1,604 |
| Efficiency ratio | 71.7847% | 2,384 |
| Assets per employee ($millions) | 4.0371% | 3,892 |
| Cash dividends to net income (ytd only)* | 75.5927% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 1,242 |
| Loan loss allowance to noncurrent loans | 662.9310% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 4,051 |
| Noncurrent loans to loans | 0.2428% | 4,162 |
| Net loans and leases to total assets | 77.6326% | 1,295 |
| Net loans and leases to deposits | 90.3755% | 1,683 |
| Net loans and leases to core deposits | 110.1926% | 997 |
| Total domestic deposits to total assets | 85.9001% | 2,414 |
| Equity capital to assets | 10.4909% | 3,359 |
| Core capital (leverage) ratio | 10.7029% | 2,701 |
| Tier 1 risk-based capital ratio | 15.4712% | 2,716 |
| Total risk-based capital ratio | 16.7283% | 2,650 |
| Memoranda: | ||
| Average total assets | $118,912,000 | 3,978 |
| Average earning assets | $112,700,000 | 3,931 |
| Average equity | $12,340,000 | 4,136 |
| Average total loans | $92,493,670 | 3,526 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 724 |
| Cost of funding earning assets | 0.5520% | 1,701 |
| Net interest margin | 4.2620% | 864 |
| Noninterest income to average assets | 0.2207% | 4,953 |
| Noninterest expense to average assets | 3.0965% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1612% | 1,624 |
| Return on assets (ROA) | 1.1612% | 1,663 |
| Pretax return on assets | 1.1612% | 2,741 |
| Return on Equity (ROE) | 11.2528% | 1,483 |
| Retained earnings to average equity (ytd only) | -6.5806% | 5,470 |
| Net charge-offs to loans | 0.1407% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.6875% | 1,924 |
| Efficiency ratio | 72.7273% | 2,450 |
| Assets per employee ($millions) | 3.6265% | 4,608 |
| Cash dividends to net income (ytd only)* | 158.4795% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,221 |
| Loan loss allowance to noncurrent loans | 631.2757% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,983 |
| Noncurrent loans to loans | 0.2634% | 4,167 |
| Net loans and leases to total assets | 75.7976% | 1,444 |
| Net loans and leases to deposits | 87.8258% | 1,825 |
| Net loans and leases to core deposits | 109.9915% | 877 |
| Total domestic deposits to total assets | 86.3045% | 2,534 |
| Equity capital to assets | 10.1551% | 3,565 |
| Core capital (leverage) ratio | 10.5918% | 2,800 |
| Tier 1 risk-based capital ratio | 15.3896% | 2,801 |
| Total risk-based capital ratio | 16.6457% | 2,732 |
| Memoranda: | ||
| Average total assets | $117,811,000 | 4,035 |
| Average earning assets | $111,591,500 | 3,985 |
| Average equity | $12,157,000 | 4,189 |
| Average total loans | $90,959,500 | 3,576 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 648 |
| Cost of funding earning assets | 0.5082% | 2,026 |
| Net interest margin | 4.4482% | 691 |
| Noninterest income to average assets | 0.2465% | 4,947 |
| Noninterest expense to average assets | 3.1402% | 1,925 |
| Loan and lease loss provision to assets | 0.0795% | 2,770 |
| Net operating income to assets | 1.2264% | 1,419 |
| Return on assets (ROA) | 1.2803% | 1,335 |
| Pretax return on assets | 1.2803% | 2,354 |
| Return on Equity (ROE) | 11.4556% | 1,419 |
| Retained earnings to average equity (ytd only) | 2.5694% | 4,056 |
| Net charge-offs to loans | 0.0940% | 2,368 |
| Credit loss provision to net charge-offs | 109.7561% | 2,390 |
| Earnings coverage of net charge-offs (x) | 18.0244% | 2,000 |
| Efficiency ratio | 70.6280% | 2,807 |
| Assets per employee ($millions) | 4.4595% | 3,174 |
| Cash dividends to net income (ytd only)* | 77.5707% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 1,046 |
| Loan loss allowance to noncurrent loans | 742.1801% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 3,675 |
| Noncurrent loans to loans | 0.2353% | 4,305 |
| Net loans and leases to total assets | 75.9901% | 1,515 |
| Net loans and leases to deposits | 86.0053% | 2,167 |
| Net loans and leases to core deposits | 107.8815% | 1,028 |
| Total domestic deposits to total assets | 88.3551% | 1,462 |
| Equity capital to assets | 10.4883% | 3,168 |
| Core capital (leverage) ratio | 10.9807% | 2,360 |
| Tier 1 risk-based capital ratio | 16.3380% | 2,411 |
| Total risk-based capital ratio | 17.5976% | 2,342 |
| Memoranda: | ||
| Average total assets | $113,178,200 | 4,109 |
| Average earning assets | $106,852,200 | 4,061 |
| Average equity | $12,648,800 | 4,145 |
| Average total loans | $87,213,600 | 3,636 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 653 |
| Cost of funding earning assets | 0.4997% | 2,105 |
| Net interest margin | 4.4524% | 699 |
| Noninterest income to average assets | 0.2537% | 4,945 |
| Noninterest expense to average assets | 3.0948% | 2,042 |
| Loan and lease loss provision to assets | 0.0474% | 3,301 |
| Net operating income to assets | 1.3145% | 1,253 |
| Return on assets (ROA) | 1.3868% | 1,149 |
| Pretax return on assets | 1.3868% | 2,087 |
| Return on Equity (ROE) | 12.2151% | 1,259 |
| Retained earnings to average equity (ytd only) | 7.4126% | 1,438 |
| Net charge-offs to loans | 0.1185% | 1,762 |
| Credit loss provision to net charge-offs | 51.9481% | 3,008 |
| Earnings coverage of net charge-offs (x) | 14.9227% | 2,214 |
| Efficiency ratio | 69.4415% | 2,979 |
| Assets per employee ($millions) | 3.8127% | 4,280 |
| Cash dividends to net income (ytd only)* | 39.3164% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 1,185 |
| Loan loss allowance to noncurrent loans | 418.4573% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 3,128 |
| Noncurrent loans to loans | 0.4095% | 3,808 |
| Net loans and leases to total assets | 76.1698% | 1,497 |
| Net loans and leases to deposits | 87.5300% | 2,079 |
| Net loans and leases to core deposits | 110.1596% | 900 |
| Total domestic deposits to total assets | 87.0213% | 1,888 |
| Equity capital to assets | 11.5099% | 2,506 |
| Core capital (leverage) ratio | 11.4750% | 2,053 |
| Tier 1 risk-based capital ratio | 17.1109% | 2,193 |
| Total risk-based capital ratio | 18.3702% | 2,148 |
| Memoranda: | ||
| Average total assets | $112,485,750 | 4,150 |
| Average earning assets | $106,186,500 | 4,100 |
| Average equity | $12,770,750 | 4,165 |
| Average total loans | $86,598,250 | 3,669 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 665 |
| Cost of funding earning assets | 0.4948% | 2,143 |
| Net interest margin | 4.4396% | 703 |
| Noninterest income to average assets | 0.2503% | 4,980 |
| Noninterest expense to average assets | 2.9968% | 2,358 |
| Loan and lease loss provision to assets | 0.0536% | 3,074 |
| Net operating income to assets | 1.3875% | 1,082 |
| Return on assets (ROA) | 1.4680% | 992 |
| Pretax return on assets | 1.4680% | 1,780 |
| Return on Equity (ROE) | 12.9912% | 1,034 |
| Retained earnings to average equity (ytd only) | 8.1333% | 1,134 |
| Net charge-offs to loans | 0.1513% | 1,420 |
| Credit loss provision to net charge-offs | 46.1538% | 2,708 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 2,185 |
| Efficiency ratio | 67.5262% | 3,443 |
| Assets per employee ($millions) | 4.4815% | 3,065 |
| Cash dividends to net income (ytd only)* | 37.3934% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 1,165 |
| Loan loss allowance to noncurrent loans | 141.7910% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 1,463 |
| Noncurrent loans to loans | 1.2390% | 1,855 |
| Net loans and leases to total assets | 75.8714% | 1,511 |
| Net loans and leases to deposits | 87.1309% | 2,119 |
| Net loans and leases to core deposits | 109.0438% | 978 |
| Total domestic deposits to total assets | 87.0775% | 1,880 |
| Equity capital to assets | 11.5944% | 2,446 |
| Core capital (leverage) ratio | 11.4853% | 2,003 |
| Tier 1 risk-based capital ratio | 17.0066% | 2,216 |
| Total risk-based capital ratio | 18.2655% | 2,172 |
| Memoranda: | ||
| Average total assets | $111,854,330 | 4,189 |
| Average earning assets | $105,504,000 | 4,142 |
| Average equity | $12,639,330 | 4,210 |
| Average total loans | $85,917,000 | 3,694 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 735 |
| Cost of funding earning assets | 0.4868% | 2,208 |
| Net interest margin | 4.3808% | 773 |
| Noninterest income to average assets | 0.2362% | 5,051 |
| Noninterest expense to average assets | 3.1424% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2169% | 1,503 |
| Return on assets (ROA) | 1.3636% | 1,171 |
| Pretax return on assets | 1.3636% | 2,029 |
| Return on Equity (ROE) | 12.2272% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.2272% | 476 |
| Net charge-offs to loans | 0.2943% | 725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.3968% | 2,330 |
| Efficiency ratio | 72.0854% | 2,790 |
| Assets per employee ($millions) | 4.4796% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 1,302 |
| Loan loss allowance to noncurrent loans | 246.6116% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 2,069 |
| Noncurrent loans to loans | 0.6996% | 3,094 |
| Net loans and leases to total assets | 75.8891% | 1,411 |
| Net loans and leases to deposits | 86.7704% | 1,973 |
| Net loans and leases to core deposits | 108.8584% | 922 |
| Total domestic deposits to total assets | 87.4597% | 1,954 |
| Equity capital to assets | 11.3625% | 2,566 |
| Core capital (leverage) ratio | 11.4705% | 1,995 |
| Tier 1 risk-based capital ratio | 17.2674% | 2,186 |
| Total risk-based capital ratio | 18.5276% | 2,154 |
| Memoranda: | ||
| Average total assets | $111,763,000 | 4,225 |
| Average earning assets | $105,186,500 | 4,182 |
| Average equity | $12,464,000 | 4,250 |
| Average total loans | $85,613,500 | 3,708 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 864 |
| Cost of funding earning assets | 0.4982% | 2,171 |
| Net interest margin | 4.3408% | 886 |
| Noninterest income to average assets | 0.3607% | 4,319 |
| Noninterest expense to average assets | 3.2351% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2291% | 1,454 |
| Return on assets (ROA) | 1.3054% | 1,307 |
| Pretax return on assets | 1.3054% | 2,262 |
| Return on Equity (ROE) | 11.8108% | 1,349 |
| Retained earnings to average equity (ytd only) | 3.8314% | 3,311 |
| Net charge-offs to loans | 0.0443% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 40.2941% | 1,175 |
| Efficiency ratio | 72.4678% | 2,833 |
| Assets per employee ($millions) | 4.4614% | 3,106 |
| Cash dividends to net income (ytd only)* | 67.5601% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 1,073 |
| Loan loss allowance to noncurrent loans | 160.6405% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 1,584 |
| Noncurrent loans to loans | 1.1422% | 2,056 |
| Net loans and leases to total assets | 74.5873% | 1,631 |
| Net loans and leases to deposits | 85.3530% | 2,202 |
| Net loans and leases to core deposits | 107.5153% | 999 |
| Total domestic deposits to total assets | 87.3869% | 1,935 |
| Equity capital to assets | 10.9410% | 2,882 |
| Core capital (leverage) ratio | 10.9747% | 2,430 |
| Tier 1 risk-based capital ratio | 16.7118% | 2,387 |
| Total risk-based capital ratio | 17.9718% | 2,337 |
| Memoranda: | ||
| Average total assets | $111,463,200 | 4,232 |
| Average earning assets | $105,373,200 | 4,157 |
| Average equity | $12,319,200 | 4,241 |
| Average total loans | $76,797,000 | 3,917 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 898 |
| Cost of funding earning assets | 0.4992% | 2,218 |
| Net interest margin | 4.3245% | 918 |
| Noninterest income to average assets | 0.2728% | 4,988 |
| Noninterest expense to average assets | 3.0316% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3351% | 1,255 |
| Return on assets (ROA) | 1.4009% | 1,150 |
| Pretax return on assets | 1.4009% | 2,011 |
| Return on Equity (ROE) | 12.6438% | 1,212 |
| Retained earnings to average equity (ytd only) | 9.1023% | 869 |
| Net charge-offs to loans | 0.0624% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 31.8826% | 1,438 |
| Efficiency ratio | 69.4247% | 3,307 |
| Assets per employee ($millions) | 4.5221% | 2,969 |
| Cash dividends to net income (ytd only)* | 28.0102% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9297% | 1,013 |
| Loan loss allowance to noncurrent loans | 146.3277% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 1,849 |
| Noncurrent loans to loans | 1.3188% | 1,932 |
| Net loans and leases to total assets | 69.8572% | 2,407 |
| Net loans and leases to deposits | 79.9682% | 2,889 |
| Net loans and leases to core deposits | 100.1585% | 1,499 |
| Total domestic deposits to total assets | 87.3563% | 1,866 |
| Equity capital to assets | 11.2904% | 2,708 |
| Core capital (leverage) ratio | 11.3342% | 2,163 |
| Tier 1 risk-based capital ratio | 17.5008% | 2,187 |
| Total risk-based capital ratio | 18.7610% | 2,141 |
| Memoranda: | ||
| Average total assets | $111,445,250 | 4,279 |
| Average earning assets | $105,504,500 | 4,194 |
| Average equity | $12,348,250 | 4,292 |
| Average total loans | $74,809,750 | 4,016 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7921% | 901 |
| Cost of funding earning assets | 0.4960% | 2,285 |
| Net interest margin | 4.2961% | 926 |
| Noninterest income to average assets | 0.2723% | 5,001 |
| Noninterest expense to average assets | 3.0241% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3092% | 1,295 |
| Return on assets (ROA) | 1.3795% | 1,174 |
| Pretax return on assets | 1.3795% | 2,068 |
| Return on Equity (ROE) | 12.5311% | 1,214 |
| Retained earnings to average equity (ytd only) | 9.8283% | 697 |
| Net charge-offs to loans | 0.0439% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 45.3750% | 1,025 |
| Efficiency ratio | 69.7878% | 3,362 |
| Assets per employee ($millions) | 3.6886% | 4,450 |
| Cash dividends to net income (ytd only)* | 21.5686% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0754% | 886 |
| Loan loss allowance to noncurrent loans | 193.9581% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 2,511 |
| Noncurrent loans to loans | 1.0700% | 2,506 |
| Net loans and leases to total assets | 67.0715% | 2,781 |
| Net loans and leases to deposits | 76.5462% | 3,206 |
| Net loans and leases to core deposits | 91.9486% | 2,167 |
| Total domestic deposits to total assets | 87.6222% | 1,830 |
| Equity capital to assets | 11.1126% | 2,762 |
| Core capital (leverage) ratio | 11.1240% | 2,310 |
| Tier 1 risk-based capital ratio | 18.3961% | 1,949 |
| Total risk-based capital ratio | 19.6596% | 1,914 |
| Memoranda: | ||
| Average total assets | $110,909,670 | 4,324 |
| Average earning assets | $104,839,330 | 4,248 |
| Average equity | $12,209,670 | 4,342 |
| Average total loans | $72,903,330 | 4,088 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 796 |
| Cost of funding earning assets | 0.5040% | 2,249 |
| Net interest margin | 4.3302% | 825 |
| Noninterest income to average assets | 0.2270% | 5,332 |
| Noninterest expense to average assets | 2.8315% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4806% | 877 |
| Return on assets (ROA) | 1.5166% | 865 |
| Pretax return on assets | 1.5166% | 1,509 |
| Return on Equity (ROE) | 13.8419% | 909 |
| Retained earnings to average equity (ytd only) | 13.5131% | 397 |
| Net charge-offs to loans | 0.1064% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.6316% | 1,374 |
| Efficiency ratio | 65.6642% | 4,214 |
| Assets per employee ($millions) | 3.7651% | 4,399 |
| Cash dividends to net income (ytd only)* | 2.3753% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1638% | 841 |
| Loan loss allowance to noncurrent loans | 402.5641% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 3,455 |
| Noncurrent loans to loans | 0.5375% | 3,969 |
| Net loans and leases to total assets | 62.8488% | 3,253 |
| Net loans and leases to deposits | 71.5572% | 3,584 |
| Net loans and leases to core deposits | 85.0382% | 2,654 |
| Total domestic deposits to total assets | 87.8302% | 1,912 |
| Equity capital to assets | 11.0507% | 2,919 |
| Core capital (leverage) ratio | 11.0467% | 2,366 |
| Tier 1 risk-based capital ratio | 18.2933% | 2,064 |
| Total risk-based capital ratio | 19.5558% | 2,016 |
| Memoranda: | ||
| Average total assets | $111,035,500 | 4,344 |
| Average earning assets | $104,752,500 | 4,284 |
| Average equity | $12,166,000 | 4,388 |
| Average total loans | $71,458,500 | 4,148 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 1,200 |
| Cost of funding earning assets | 0.5470% | 2,227 |
| Net interest margin | 4.2064% | 1,282 |
| Noninterest income to average assets | 0.3323% | 4,732 |
| Noninterest expense to average assets | 3.4501% | 1,600 |
| Loan and lease loss provision to assets | -0.1396% | 6,214 |
| Net operating income to assets | 0.9651% | 2,558 |
| Return on assets (ROA) | 1.0256% | 2,352 |
| Pretax return on assets | 1.0256% | 3,401 |
| Return on Equity (ROE) | 9.8046% | 2,199 |
| Retained earnings to average equity (ytd only) | 6.1657% | 1,827 |
| Net charge-offs to loans | 0.0031% | 4,902 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,076 |
| Earnings coverage of net charge-offs (x) | 443.5000% | 118 |
| Efficiency ratio | 80.6922% | 1,821 |
| Assets per employee ($millions) | 3.6373% | 4,650 |
| Cash dividends to net income (ytd only)* | 37.1143% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2584% | 764 |
| Loan loss allowance to noncurrent loans | 389.4608% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.9732% | 2,811 |
| Noncurrent loans to loans | 0.5799% | 3,930 |
| Net loans and leases to total assets | 63.0220% | 3,358 |
| Net loans and leases to deposits | 71.6926% | 3,715 |
| Net loans and leases to core deposits | 84.2602% | 2,869 |
| Total domestic deposits to total assets | 87.9059% | 1,821 |
| Equity capital to assets | 10.8597% | 3,051 |
| Core capital (leverage) ratio | 10.8541% | 2,554 |
| Tier 1 risk-based capital ratio | 18.8594% | 1,888 |
| Total risk-based capital ratio | 20.1250% | 1,847 |
| Memoranda: | ||
| Average total assets | $107,445,200 | 4,428 |
| Average earning assets | $100,726,800 | 4,374 |
| Average equity | $11,239,600 | 4,515 |
| Average total loans | $65,120,000 | 4,327 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 1,217 |
| Cost of funding earning assets | 0.5516% | 2,273 |
| Net interest margin | 4.1853% | 1,333 |
| Noninterest income to average assets | 0.3090% | 4,970 |
| Noninterest expense to average assets | 3.3499% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8820% | 3,009 |
| Return on assets (ROA) | 0.9356% | 2,840 |
| Pretax return on assets | 0.9356% | 3,839 |
| Return on Equity (ROE) | 9.0314% | 2,664 |
| Retained earnings to average equity (ytd only) | 6.5782% | 2,054 |
| Net charge-offs to loans | 0.0230% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 64.3476% | 822 |
| Efficiency ratio | 79.1581% | 2,033 |
| Assets per employee ($millions) | 3.5411% | 4,784 |
| Cash dividends to net income (ytd only)* | 27.1634% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5712% | 596 |
| Loan loss allowance to noncurrent loans | 327.6515% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 2,142 |
| Noncurrent loans to loans | 0.7847% | 3,619 |
| Net loans and leases to total assets | 59.7187% | 3,834 |
| Net loans and leases to deposits | 67.7249% | 4,163 |
| Net loans and leases to core deposits | 78.7381% | 3,468 |
| Total domestic deposits to total assets | 88.1783% | 1,670 |
| Equity capital to assets | 10.5372% | 3,510 |
| Core capital (leverage) ratio | 10.7416% | 2,773 |
| Tier 1 risk-based capital ratio | 19.1751% | 1,866 |
| Total risk-based capital ratio | 20.4452% | 1,829 |
| Memoranda: | ||
| Average total assets | $107,026,750 | 4,480 |
| Average earning assets | $100,317,250 | 4,428 |
| Average equity | $11,087,000 | 4,578 |
| Average total loans | $63,810,500 | 4,408 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 1,385 |
| Cost of funding earning assets | 0.5442% | 2,395 |
| Net interest margin | 4.1106% | 1,478 |
| Noninterest income to average assets | 0.2884% | 5,115 |
| Noninterest expense to average assets | 3.3870% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7596% | 3,518 |
| Return on assets (ROA) | 0.8124% | 3,373 |
| Pretax return on assets | 0.8124% | 4,227 |
| Return on Equity (ROE) | 7.8887% | 3,163 |
| Retained earnings to average equity (ytd only) | 5.1066% | 2,893 |
| Net charge-offs to loans | 0.2043% | 1,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.2969% | 2,793 |
| Efficiency ratio | 81.6818% | 1,779 |
| Assets per employee ($millions) | 3.2997% | 5,252 |
| Cash dividends to net income (ytd only)* | 35.2668% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5963% | 618 |
| Loan loss allowance to noncurrent loans | 201.0791% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.7899% | 1,812 |
| Noncurrent loans to loans | 1.2912% | 2,648 |
| Net loans and leases to total assets | 57.7770% | 4,018 |
| Net loans and leases to deposits | 65.3924% | 4,335 |
| Net loans and leases to core deposits | 76.1035% | 3,621 |
| Total domestic deposits to total assets | 88.3544% | 1,708 |
| Equity capital to assets | 10.4517% | 3,498 |
| Core capital (leverage) ratio | 10.5339% | 2,904 |
| Tier 1 risk-based capital ratio | 19.1694% | 1,883 |
| Total risk-based capital ratio | 20.4388% | 1,840 |
| Memoranda: | ||
| Average total assets | $106,111,330 | 4,530 |
| Average earning assets | $99,595,670 | 4,481 |
| Average equity | $10,927,000 | 4,621 |
| Average total loans | $62,652,330 | 4,463 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,461 |
| Cost of funding earning assets | 0.5370% | 2,536 |
| Net interest margin | 4.0800% | 1,523 |
| Noninterest income to average assets | 0.2215% | 5,583 |
| Noninterest expense to average assets | 3.4339% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6188% | 4,105 |
| Return on assets (ROA) | 0.6188% | 4,186 |
| Pretax return on assets | 0.6188% | 4,771 |
| Return on Equity (ROE) | 6.0561% | 3,992 |
| Retained earnings to average equity (ytd only) | 2.2430% | 4,707 |
| Net charge-offs to loans | 0.2010% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.2258% | 2,405 |
| Efficiency ratio | 84.7314% | 1,587 |
| Assets per employee ($millions) | 3.2114% | 5,505 |
| Cash dividends to net income (ytd only)* | 62.9630% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7770% | 561 |
| Loan loss allowance to noncurrent loans | 132.7640% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 2.3062% | 1,420 |
| Noncurrent loans to loans | 2.0917% | 1,767 |
| Net loans and leases to total assets | 56.4906% | 4,080 |
| Net loans and leases to deposits | 63.7480% | 4,338 |
| Net loans and leases to core deposits | 74.1810% | 3,625 |
| Total domestic deposits to total assets | 88.6155% | 1,881 |
| Equity capital to assets | 10.2645% | 3,522 |
| Core capital (leverage) ratio | 10.6905% | 2,712 |
| Tier 1 risk-based capital ratio | 19.6386% | 1,803 |
| Total risk-based capital ratio | 20.9102% | 1,771 |
| Memoranda: | ||
| Average total assets | $104,721,500 | 4,610 |
| Average earning assets | $98,333,000 | 4,554 |
| Average equity | $10,700,000 | 4,687 |
| Average total loans | $61,683,000 | 4,530 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 900 |
| Cost of funding earning assets | 0.6087% | 2,584 |
| Net interest margin | 4.4031% | 905 |
| Noninterest income to average assets | 0.3611% | 4,720 |
| Noninterest expense to average assets | 3.1824% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3139% | 1,215 |
| Return on assets (ROA) | 1.3215% | 1,237 |
| Pretax return on assets | 1.3215% | 2,071 |
| Return on Equity (ROE) | 13.3584% | 1,098 |
| Retained earnings to average equity (ytd only) | 11.4129% | 378 |
| Net charge-offs to loans | 0.4876% | 1,365 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.3229% | 3,599 |
| Efficiency ratio | 70.7777% | 3,706 |
| Assets per employee ($millions) | 3.2333% | 5,418 |
| Cash dividends to net income (ytd only)* | 14.5638% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8160% | 583 |
| Loan loss allowance to noncurrent loans | 108.0074% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 3.0290% | 1,038 |
| Noncurrent loans to loans | 2.6073% | 1,434 |
| Net loans and leases to total assets | 58.0374% | 4,029 |
| Net loans and leases to deposits | 65.5156% | 4,350 |
| Net loans and leases to core deposits | 76.2856% | 3,578 |
| Total domestic deposits to total assets | 88.5856% | 1,864 |
| Equity capital to assets | 10.1695% | 3,546 |
| Core capital (leverage) ratio | 10.6115% | 2,769 |
| Tier 1 risk-based capital ratio | 19.4718% | 1,798 |
| Total risk-based capital ratio | 20.7444% | 1,750 |
| Memoranda: | ||
| Average total assets | $104,953,000 | 4,622 |
| Average earning assets | $98,568,000 | 4,550 |
| Average equity | $10,383,000 | 4,765 |
| Average total loans | $65,428,800 | 4,433 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 864 |
| Cost of funding earning assets | 0.6219% | 2,632 |
| Net interest margin | 4.4166% | 861 |
| Noninterest income to average assets | 0.3570% | 4,842 |
| Noninterest expense to average assets | 3.3609% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1406% | 1,851 |
| Return on assets (ROA) | 1.1444% | 1,907 |
| Pretax return on assets | 1.1444% | 2,926 |
| Return on Equity (ROE) | 11.6474% | 1,598 |
| Retained earnings to average equity (ytd only) | 9.7018% | 853 |
| Net charge-offs to loans | 0.3035% | 2,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.9668% | 3,064 |
| Efficiency ratio | 74.6625% | 2,955 |
| Assets per employee ($millions) | 3.3711% | 5,128 |
| Cash dividends to net income (ytd only)* | 16.7037% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0112% | 547 |
| Loan loss allowance to noncurrent loans | 86.0234% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 3.4955% | 972 |
| Noncurrent loans to loans | 3.5004% | 1,086 |
| Net loans and leases to total assets | 58.8068% | 3,879 |
| Net loans and leases to deposits | 66.6298% | 4,226 |
| Net loans and leases to core deposits | 77.4708% | 3,430 |
| Total domestic deposits to total assets | 88.2589% | 1,963 |
| Equity capital to assets | 10.0550% | 3,822 |
| Core capital (leverage) ratio | 10.2560% | 3,313 |
| Tier 1 risk-based capital ratio | 18.2571% | 2,226 |
| Total risk-based capital ratio | 19.5324% | 2,183 |
| Memoranda: | ||
| Average total assets | $105,324,750 | 4,658 |
| Average earning assets | $98,836,500 | 4,593 |
| Average equity | $10,348,250 | 4,824 |
| Average total loans | $66,338,750 | 4,437 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 736 |
| Cost of funding earning assets | 0.6344% | 2,638 |
| Net interest margin | 4.4912% | 718 |
| Noninterest income to average assets | 0.3674% | 4,771 |
| Noninterest expense to average assets | 3.3429% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2349% | 1,502 |
| Return on assets (ROA) | 1.2406% | 1,585 |
| Pretax return on assets | 1.2406% | 2,517 |
| Return on Equity (ROE) | 12.7246% | 1,311 |
| Retained earnings to average equity (ytd only) | 10.7819% | 684 |
| Net charge-offs to loans | 0.2168% | 2,457 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.9315% | 2,346 |
| Efficiency ratio | 73.0244% | 3,307 |
| Assets per employee ($millions) | 3.2729% | 5,327 |
| Cash dividends to net income (ytd only)* | 15.2672% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0318% | 567 |
| Loan loss allowance to noncurrent loans | 76.3350% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 4.0207% | 857 |
| Noncurrent loans to loans | 3.9717% | 983 |
| Net loans and leases to total assets | 60.6794% | 3,543 |
| Net loans and leases to deposits | 68.2284% | 3,975 |
| Net loans and leases to core deposits | 79.4966% | 3,086 |
| Total domestic deposits to total assets | 88.9358% | 1,667 |
| Equity capital to assets | 9.4678% | 4,623 |
| Core capital (leverage) ratio | 9.9207% | 3,634 |
| Tier 1 risk-based capital ratio | 17.3973% | 2,554 |
| Total risk-based capital ratio | 18.6719% | 2,516 |
| Memoranda: | ||
| Average total assets | $105,598,000 | 4,686 |
| Average earning assets | $98,994,670 | 4,625 |
| Average equity | $10,295,000 | 4,873 |
| Average total loans | $67,330,330 | 4,409 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3376% | 471 |
| Cost of funding earning assets | 0.6537% | 2,621 |
| Net interest margin | 4.6839% | 485 |
| Noninterest income to average assets | 0.2829% | 5,439 |
| Noninterest expense to average assets | 3.3953% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2940% | 1,292 |
| Return on assets (ROA) | 1.2940% | 1,394 |
| Pretax return on assets | 1.2940% | 2,252 |
| Return on Equity (ROE) | 13.0860% | 1,148 |
| Retained earnings to average equity (ytd only) | 9.2708% | 1,295 |
| Net charge-offs to loans | 0.0645% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 31.1818% | 946 |
| Efficiency ratio | 72.4055% | 3,538 |
| Assets per employee ($millions) | 3.3336% | 5,364 |
| Cash dividends to net income (ytd only)* | 29.1545% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1109% | 591 |
| Loan loss allowance to noncurrent loans | 68.6202% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 4.2747% | 888 |
| Noncurrent loans to loans | 4.5334% | 915 |
| Net loans and leases to total assets | 59.8243% | 3,458 |
| Net loans and leases to deposits | 67.5026% | 3,837 |
| Net loans and leases to core deposits | 78.6941% | 2,971 |
| Total domestic deposits to total assets | 88.6252% | 1,913 |
| Equity capital to assets | 9.8984% | 4,278 |
| Core capital (leverage) ratio | 9.5750% | 3,966 |
| Tier 1 risk-based capital ratio | 16.7766% | 2,870 |
| Total risk-based capital ratio | 18.0530% | 2,821 |
| Memoranda: | ||
| Average total assets | $106,030,000 | 4,717 |
| Average earning assets | $99,745,000 | 4,632 |
| Average equity | $10,484,500 | 4,888 |
| Average total loans | $68,226,000 | 4,415 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 1,144 |
| Cost of funding earning assets | 0.9503% | 1,645 |
| Net interest margin | 4.2363% | 1,555 |
| Noninterest income to average assets | 0.4570% | 4,202 |
| Noninterest expense to average assets | 4.4402% | 609 |
| Loan and lease loss provision to assets | 0.9760% | 433 |
| Net operating income to assets | -0.9814% | 6,741 |
| Return on assets (ROA) | -0.8978% | 6,730 |
| Pretax return on assets | -0.8978% | 6,704 |
| Return on Equity (ROE) | -9.3134% | 6,710 |
| Retained earnings to average equity (ytd only) | -9.3134% | 6,617 |
| Net charge-offs to loans | 0.8212% | 1,424 |
| Credit loss provision to net charge-offs | 182.0470% | 1,445 |
| Earnings coverage of net charge-offs (x) | -0.0101% | 5,488 |
| Efficiency ratio | 100.1217% | 558 |
| Assets per employee ($millions) | 3.1935% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9184% | 720 |
| Loan loss allowance to noncurrent loans | 44.7923% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 5.4846% | 673 |
| Noncurrent loans to loans | 6.5155% | 519 |
| Net loans and leases to total assets | 65.0238% | 2,712 |
| Net loans and leases to deposits | 73.4383% | 3,183 |
| Net loans and leases to core deposits | 86.3146% | 2,272 |
| Total domestic deposits to total assets | 88.5421% | 1,878 |
| Equity capital to assets | 9.8780% | 4,342 |
| Core capital (leverage) ratio | 9.3061% | 4,407 |
| Tier 1 risk-based capital ratio | 15.6581% | 3,344 |
| Total risk-based capital ratio | 16.9317% | 3,285 |
| Memoranda: | ||
| Average total assets | $111,165,400 | 4,569 |
| Average earning assets | $104,382,600 | 4,484 |
| Average equity | $10,715,800 | 4,812 |
| Average total loans | $72,574,000 | 4,251 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 1,167 |
| Cost of funding earning assets | 1.0110% | 1,491 |
| Net interest margin | 4.2005% | 1,736 |
| Noninterest income to average assets | 0.4783% | 4,073 |
| Noninterest expense to average assets | 4.2292% | 700 |
| Loan and lease loss provision to assets | 1.2846% | 270 |
| Net operating income to assets | -1.0905% | 6,885 |
| Return on assets (ROA) | -0.9803% | 6,885 |
| Pretax return on assets | -0.9803% | 6,860 |
| Return on Equity (ROE) | -10.2293% | 6,868 |
| Retained earnings to average equity (ytd only) | -10.2293% | 6,823 |
| Net charge-offs to loans | 0.9817% | 1,082 |
| Credit loss provision to net charge-offs | 201.6729% | 1,367 |
| Earnings coverage of net charge-offs (x) | 0.3048% | 5,172 |
| Efficiency ratio | 95.6103% | 694 |
| Assets per employee ($millions) | 2.9033% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9724% | 736 |
| Loan loss allowance to noncurrent loans | 45.1812% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 5.2744% | 822 |
| Noncurrent loans to loans | 6.5788% | 577 |
| Net loans and leases to total assets | 62.6975% | 3,261 |
| Net loans and leases to deposits | 70.4281% | 3,837 |
| Net loans and leases to core deposits | 84.7455% | 2,613 |
| Total domestic deposits to total assets | 89.0233% | 1,415 |
| Equity capital to assets | 9.7385% | 4,877 |
| Core capital (leverage) ratio | 9.2102% | 4,744 |
| Tier 1 risk-based capital ratio | 15.6582% | 3,449 |
| Total risk-based capital ratio | 16.9334% | 3,402 |
| Memoranda: | ||
| Average total assets | $112,610,250 | 4,571 |
| Average earning assets | $105,762,750 | 4,490 |
| Average equity | $10,792,250 | 4,851 |
| Average total loans | $73,071,000 | 4,292 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 1,167 |
| Cost of funding earning assets | 1.0743% | 1,339 |
| Net interest margin | 4.1636% | 1,856 |
| Noninterest income to average assets | 0.5081% | 3,873 |
| Noninterest expense to average assets | 4.6378% | 483 |
| Loan and lease loss provision to assets | 1.9141% | 157 |
| Net operating income to assets | -2.1399% | 7,086 |
| Return on assets (ROA) | -1.9758% | 7,073 |
| Pretax return on assets | -1.9758% | 7,062 |
| Return on Equity (ROE) | -20.7248% | 7,046 |
| Retained earnings to average equity (ytd only) | -20.7248% | 7,022 |
| Net charge-offs to loans | 1.5313% | 639 |
| Credit loss provision to net charge-offs | 192.3759% | 1,471 |
| Earnings coverage of net charge-offs (x) | -0.2270% | 5,168 |
| Efficiency ratio | 105.1180% | 414 |
| Assets per employee ($millions) | 3.1906% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8995% | 870 |
| Loan loss allowance to noncurrent loans | 51.6551% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 4.7120% | 1,029 |
| Noncurrent loans to loans | 5.6133% | 824 |
| Net loans and leases to total assets | 62.7051% | 3,287 |
| Net loans and leases to deposits | 69.9722% | 3,900 |
| Net loans and leases to core deposits | 83.8631% | 2,707 |
| Total domestic deposits to total assets | 89.6142% | 1,153 |
| Equity capital to assets | 9.1831% | 5,477 |
| Core capital (leverage) ratio | 8.6590% | 5,436 |
| Tier 1 risk-based capital ratio | 14.2368% | 4,277 |
| Total risk-based capital ratio | 15.5088% | 4,224 |
| Memoranda: | ||
| Average total assets | $113,372,000 | 4,580 |
| Average earning assets | $106,301,000 | 4,504 |
| Average equity | $10,808,330 | 4,856 |
| Average total loans | $73,664,670 | 4,292 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3601% | 983 |
| Cost of funding earning assets | 1.1446% | 1,194 |
| Net interest margin | 4.2155% | 1,717 |
| Noninterest income to average assets | 0.3887% | 4,752 |
| Noninterest expense to average assets | 4.9343% | 385 |
| Loan and lease loss provision to assets | 0.5253% | 1,145 |
| Net operating income to assets | -1.1241% | 7,024 |
| Return on assets (ROA) | -1.0961% | 7,027 |
| Pretax return on assets | -1.0961% | 6,997 |
| Return on Equity (ROE) | -11.2945% | 7,015 |
| Retained earnings to average equity (ytd only) | -11.2945% | 6,877 |
| Net charge-offs to loans | 0.6341% | 1,530 |
| Credit loss provision to net charge-offs | 127.1186% | 1,896 |
| Earnings coverage of net charge-offs (x) | -1.4492% | 4,591 |
| Efficiency ratio | 113.8126% | 290 |
| Assets per employee ($millions) | 3.2055% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1739% | 1,938 |
| Loan loss allowance to noncurrent loans | 34.2961% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 4.8328% | 1,088 |
| Noncurrent loans to loans | 6.3386% | 756 |
| Net loans and leases to total assets | 62.5101% | 3,154 |
| Net loans and leases to deposits | 69.9494% | 3,744 |
| Net loans and leases to core deposits | 84.3716% | 2,503 |
| Total domestic deposits to total assets | 89.3647% | 1,442 |
| Equity capital to assets | 9.5009% | 4,807 |
| Core capital (leverage) ratio | 9.2233% | 4,476 |
| Tier 1 risk-based capital ratio | 15.0042% | 3,760 |
| Total risk-based capital ratio | 16.2658% | 3,707 |
| Memoranda: | ||
| Average total assets | $114,222,000 | 4,593 |
| Average earning assets | $106,938,500 | 4,515 |
| Average equity | $11,085,000 | 4,806 |
| Average total loans | $74,439,500 | 4,297 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8950% | 527 |
| Cost of funding earning assets | 1.2757% | 1,590 |
| Net interest margin | 4.6193% | 885 |
| Noninterest income to average assets | 0.3147% | 5,291 |
| Noninterest expense to average assets | 3.2301% | 2,767 |
| Loan and lease loss provision to assets | 1.3119% | 620 |
| Net operating income to assets | 0.1132% | 5,840 |
| Return on assets (ROA) | 0.1766% | 5,796 |
| Pretax return on assets | 0.1766% | 5,841 |
| Return on Equity (ROE) | 1.8815% | 5,707 |
| Retained earnings to average equity (ytd only) | 1.8815% | 4,867 |
| Net charge-offs to loans | 0.7030% | 2,401 |
| Credit loss provision to net charge-offs | 280.2198% | 844 |
| Earnings coverage of net charge-offs (x) | 3.0440% | 3,686 |
| Efficiency ratio | 69.3866% | 4,072 |
| Assets per employee ($millions) | 3.6466% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0908% | 2,029 |
| Loan loss allowance to noncurrent loans | 35.7127% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 4.9237% | 1,091 |
| Noncurrent loans to loans | 5.8544% | 867 |
| Net loans and leases to total assets | 65.0794% | 2,960 |
| Net loans and leases to deposits | 73.2569% | 3,625 |
| Net loans and leases to core deposits | 93.0747% | 1,790 |
| Total domestic deposits to total assets | 88.8372% | 1,644 |
| Equity capital to assets | 9.9129% | 4,286 |
| Core capital (leverage) ratio | 9.4069% | 4,173 |
| Tier 1 risk-based capital ratio | 14.6936% | 3,833 |
| Total risk-based capital ratio | 15.9540% | 3,806 |
| Memoranda: | ||
| Average total assets | $116,622,200 | 4,490 |
| Average earning assets | $109,584,800 | 4,405 |
| Average equity | $10,949,000 | 4,796 |
| Average total loans | $77,666,000 | 4,223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9596% | 495 |
| Cost of funding earning assets | 1.2965% | 1,727 |
| Net interest margin | 4.6632% | 825 |
| Noninterest income to average assets | 0.2859% | 5,564 |
| Noninterest expense to average assets | 2.9896% | 3,588 |
| Loan and lease loss provision to assets | 0.5956% | 1,656 |
| Net operating income to assets | 1.0835% | 2,028 |
| Return on assets (ROA) | 1.1539% | 1,917 |
| Pretax return on assets | 1.1539% | 2,812 |
| Return on Equity (ROE) | 12.4575% | 1,428 |
| Retained earnings to average equity (ytd only) | 12.4575% | 444 |
| Net charge-offs to loans | 0.2861% | 3,655 |
| Credit loss provision to net charge-offs | 312.5000% | 903 |
| Earnings coverage of net charge-offs (x) | 8.8097% | 2,123 |
| Efficiency ratio | 64.0340% | 5,064 |
| Assets per employee ($millions) | 3.8034% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 5,323 |
| Loan loss allowance to noncurrent loans | 24.3928% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 4.0439% | 1,516 |
| Noncurrent loans to loans | 5.0661% | 1,218 |
| Net loans and leases to total assets | 63.9883% | 3,307 |
| Net loans and leases to deposits | 72.4620% | 3,903 |
| Net loans and leases to core deposits | 85.8121% | 2,799 |
| Total domestic deposits to total assets | 88.3059% | 1,870 |
| Equity capital to assets | 10.3616% | 3,874 |
| Core capital (leverage) ratio | 10.0420% | 3,378 |
| Tier 1 risk-based capital ratio | 15.3581% | 3,456 |
| Total risk-based capital ratio | 16.5874% | 3,437 |
| Memoranda: | ||
| Average total assets | $117,516,500 | 4,490 |
| Average earning assets | $110,451,500 | 4,409 |
| Average equity | $10,884,750 | 4,834 |
| Average total loans | $78,297,500 | 4,235 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 468 |
| Cost of funding earning assets | 1.3236% | 1,803 |
| Net interest margin | 4.6952% | 740 |
| Noninterest income to average assets | 0.3186% | 5,353 |
| Noninterest expense to average assets | 2.9595% | 3,793 |
| Loan and lease loss provision to assets | 0.7667% | 1,211 |
| Net operating income to assets | 0.9984% | 2,235 |
| Return on assets (ROA) | 1.0546% | 2,118 |
| Pretax return on assets | 1.0546% | 3,027 |
| Return on Equity (ROE) | 11.8575% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.8575% | 533 |
| Net charge-offs to loans | 0.4003% | 2,956 |
| Credit loss provision to net charge-offs | 284.8101% | 1,073 |
| Earnings coverage of net charge-offs (x) | 6.5570% | 2,375 |
| Efficiency ratio | 62.6397% | 5,472 |
| Assets per employee ($millions) | 4.3574% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,788 |
| Loan loss allowance to noncurrent loans | 25.4783% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 3.7203% | 1,750 |
| Noncurrent loans to loans | 4.4822% | 1,485 |
| Net loans and leases to total assets | 64.6760% | 3,324 |
| Net loans and leases to deposits | 72.6880% | 4,005 |
| Net loans and leases to core deposits | 86.4093% | 2,845 |
| Total domestic deposits to total assets | 88.9776% | 1,541 |
| Equity capital to assets | 9.8588% | 4,321 |
| Core capital (leverage) ratio | 9.7455% | 3,606 |
| Tier 1 risk-based capital ratio | 14.8369% | 3,591 |
| Total risk-based capital ratio | 15.9705% | 3,628 |
| Memoranda: | ||
| Average total assets | $117,386,670 | 4,528 |
| Average earning assets | $110,155,330 | 4,441 |
| Average equity | $10,440,670 | 4,940 |
| Average total loans | $78,933,330 | 4,260 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0834% | 411 |
| Cost of funding earning assets | 1.3470% | 1,902 |
| Net interest margin | 4.7364% | 656 |
| Noninterest income to average assets | 0.2934% | 5,572 |
| Noninterest expense to average assets | 3.1999% | 2,899 |
| Loan and lease loss provision to assets | 0.4264% | 2,058 |
| Net operating income to assets | 1.1053% | 1,826 |
| Return on assets (ROA) | 1.2008% | 1,566 |
| Pretax return on assets | 1.2008% | 2,362 |
| Return on Equity (ROE) | 14.2777% | 938 |
| Retained earnings to average equity (ytd only) | 14.2777% | 452 |
| Net charge-offs to loans | 0.3304% | 2,735 |
| Credit loss provision to net charge-offs | 189.3939% | 1,555 |
| Earnings coverage of net charge-offs (x) | 6.8030% | 2,043 |
| Efficiency ratio | 67.6280% | 4,735 |
| Assets per employee ($millions) | 4.7512% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 6,871 |
| Loan loss allowance to noncurrent loans | 17.8898% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 3.8306% | 1,751 |
| Noncurrent loans to loans | 4.5990% | 1,505 |
| Net loans and leases to total assets | 65.5596% | 3,118 |
| Net loans and leases to deposits | 73.0134% | 3,919 |
| Net loans and leases to core deposits | 82.1225% | 3,438 |
| Total domestic deposits to total assets | 89.7911% | 1,294 |
| Equity capital to assets | 9.1169% | 5,012 |
| Core capital (leverage) ratio | 9.5519% | 3,721 |
| Tier 1 risk-based capital ratio | 13.9540% | 4,103 |
| Total risk-based capital ratio | 14.7561% | 4,385 |
| Memoranda: | ||
| Average total assets | $117,254,500 | 4,554 |
| Average earning assets | $109,872,000 | 4,476 |
| Average equity | $9,861,500 | 5,076 |
| Average total loans | $79,914,500 | 4,257 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5907% | 283 |
| Cost of funding earning assets | 1.6051% | 2,044 |
| Net interest margin | 4.9855% | 444 |
| Noninterest income to average assets | 0.4478% | 4,531 |
| Noninterest expense to average assets | 3.5030% | 2,163 |
| Loan and lease loss provision to assets | 0.4212% | 3,584 |
| Net operating income to assets | 0.6891% | 3,272 |
| Return on assets (ROA) | 0.7680% | 3,049 |
| Pretax return on assets | 1.3240% | 1,874 |
| Return on Equity (ROE) | 6.5900% | 3,304 |
| Retained earnings to average equity (ytd only) | -32.0290% | 7,248 |
| Net charge-offs to loans | 0.4127% | 3,975 |
| Credit loss provision to net charge-offs | 147.9751% | 2,468 |
| Earnings coverage of net charge-offs (x) | 5.6978% | 2,554 |
| Efficiency ratio | 68.3509% | 4,493 |
| Assets per employee ($millions) | 4.4512% | 2,954 |
| Cash dividends to net income (ytd only)* | 586.0277% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 7,105 |
| Loan loss allowance to noncurrent loans | 16.9457% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 3.8892% | 1,754 |
| Noncurrent loans to loans | 4.2601% | 1,703 |
| Net loans and leases to total assets | 69.7529% | 2,584 |
| Net loans and leases to deposits | 80.0780% | 3,160 |
| Net loans and leases to core deposits | 89.3430% | 2,852 |
| Total domestic deposits to total assets | 87.1062% | 2,762 |
| Equity capital to assets | 7.6851% | 6,758 |
| Core capital (leverage) ratio | 8.3018% | 5,685 |
| Tier 1 risk-based capital ratio | 11.6264% | 5,794 |
| Total risk-based capital ratio | 12.3384% | 6,232 |
| Memoranda: | ||
| Average total assets | $112,762,000 | 4,642 |
| Average earning assets | $105,785,800 | 4,569 |
| Average equity | $13,141,200 | 4,340 |
| Average total loans | $77,781,000 | 4,399 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6890% | 248 |
| Cost of funding earning assets | 1.6545% | 2,079 |
| Net interest margin | 5.0345% | 399 |
| Noninterest income to average assets | 0.4582% | 4,501 |
| Noninterest expense to average assets | 3.4814% | 2,074 |
| Loan and lease loss provision to assets | 0.1845% | 5,200 |
| Net operating income to assets | 1.2376% | 1,494 |
| Return on assets (ROA) | 1.3378% | 1,337 |
| Pretax return on assets | 1.6497% | 1,216 |
| Return on Equity (ROE) | 10.5515% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.2051% | 2,258 |
| Net charge-offs to loans | 0.2254% | 4,581 |
| Credit loss provision to net charge-offs | 119.2308% | 3,466 |
| Earnings coverage of net charge-offs (x) | 11.0538% | 1,821 |
| Efficiency ratio | 67.0564% | 4,645 |
| Assets per employee ($millions) | 4.4123% | 3,058 |
| Cash dividends to net income (ytd only)* | 41.1923% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5665% | 7,389 |
| Loan loss allowance to noncurrent loans | 15.3691% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 3.4109% | 2,082 |
| Noncurrent loans to loans | 3.6857% | 2,115 |
| Net loans and leases to total assets | 70.0808% | 2,714 |
| Net loans and leases to deposits | 81.8546% | 3,135 |
| Net loans and leases to core deposits | 91.8434% | 2,829 |
| Total domestic deposits to total assets | 85.6162% | 3,285 |
| Equity capital to assets | 12.9604% | 1,596 |
| Core capital (leverage) ratio | 12.7158% | 1,328 |
| Tier 1 risk-based capital ratio | 17.4717% | 2,186 |
| Total risk-based capital ratio | 18.0222% | 2,389 |
| Memoranda: | ||
| Average total assets | $112,020,000 | 4,714 |
| Average earning assets | $105,324,750 | 4,633 |
| Average equity | $14,203,000 | 4,159 |
| Average total loans | $76,898,250 | 4,500 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6261% | 278 |
| Cost of funding earning assets | 1.6962% | 2,138 |
| Net interest margin | 4.9299% | 499 |
| Noninterest income to average assets | 0.3834% | 5,056 |
| Noninterest expense to average assets | 3.3531% | 2,399 |
| Loan and lease loss provision to assets | 0.0540% | 6,416 |
| Net operating income to assets | 1.3116% | 1,277 |
| Return on assets (ROA) | 1.3481% | 1,266 |
| Pretax return on assets | 1.6613% | 1,140 |
| Return on Equity (ROE) | 10.7143% | 1,853 |
| Retained earnings to average equity (ytd only) | 4.0912% | 3,478 |
| Net charge-offs to loans | 0.2329% | 4,209 |
| Credit loss provision to net charge-offs | 34.0909% | 5,678 |
| Earnings coverage of net charge-offs (x) | 10.5455% | 1,876 |
| Efficiency ratio | 66.7503% | 4,830 |
| Assets per employee ($millions) | 4.0470% | 3,679 |
| Cash dividends to net income (ytd only)* | 61.8158% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4809% | 7,528 |
| Loan loss allowance to noncurrent loans | 10.9425% | 7,246 |
| Noncurrent assets plus other real estate owned to assets | 3.4478% | 2,041 |
| Noncurrent loans to loans | 4.3946% | 1,669 |
| Net loans and leases to total assets | 68.4866% | 3,252 |
| Net loans and leases to deposits | 79.4633% | 3,699 |
| Net loans and leases to core deposits | 88.0307% | 3,542 |
| Total domestic deposits to total assets | 86.1865% | 2,988 |
| Equity capital to assets | 12.6274% | 1,725 |
| Core capital (leverage) ratio | 12.6622% | 1,342 |
| Tier 1 risk-based capital ratio | 17.3929% | 2,135 |
| Total risk-based capital ratio | 17.8535% | 2,389 |
| Memoranda: | ||
| Average total assets | $111,120,330 | 4,770 |
| Average earning assets | $104,586,000 | 4,676 |
| Average equity | $13,981,330 | 4,203 |
| Average total loans | $75,579,670 | 4,581 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5332% | 337 |
| Cost of funding earning assets | 1.7406% | 2,179 |
| Net interest margin | 4.7926% | 656 |
| Noninterest income to average assets | 0.3708% | 5,182 |
| Noninterest expense to average assets | 3.4466% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2027% | 1,531 |
| Return on assets (ROA) | 1.2179% | 1,568 |
| Pretax return on assets | 1.4470% | 1,642 |
| Return on Equity (ROE) | 9.6978% | 2,208 |
| Retained earnings to average equity (ytd only) | -3.7054% | 6,460 |
| Net charge-offs to loans | 0.2528% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 8.3617% | 1,966 |
| Efficiency ratio | 70.6935% | 4,177 |
| Assets per employee ($millions) | 4.2993% | 3,293 |
| Cash dividends to net income (ytd only)* | 138.2090% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5159% | 7,579 |
| Loan loss allowance to noncurrent loans | 22.5336% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 3,352 |
| Noncurrent loans to loans | 2.2893% | 3,401 |
| Net loans and leases to total assets | 66.5924% | 3,730 |
| Net loans and leases to deposits | 76.8101% | 4,257 |
| Net loans and leases to core deposits | 84.5965% | 4,120 |
| Total domestic deposits to total assets | 86.6974% | 2,786 |
| Equity capital to assets | 12.2756% | 1,894 |
| Core capital (leverage) ratio | 12.4119% | 1,444 |
| Tier 1 risk-based capital ratio | 17.2162% | 2,191 |
| Total risk-based capital ratio | 17.6996% | 2,423 |
| Memoranda: | ||
| Average total assets | $110,022,000 | 4,872 |
| Average earning assets | $103,410,000 | 4,769 |
| Average equity | $13,817,500 | 4,281 |
| Average total loans | $74,378,500 | 4,698 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0532% | 258 |
| Cost of funding earning assets | 2.1585% | 2,198 |
| Net interest margin | 4.8947% | 563 |
| Noninterest income to average assets | 0.4542% | 4,766 |
| Noninterest expense to average assets | 3.4554% | 2,508 |
| Loan and lease loss provision to assets | 0.0716% | 6,864 |
| Net operating income to assets | 1.2160% | 1,205 |
| Return on assets (ROA) | 1.2854% | 1,112 |
| Pretax return on assets | 1.6308% | 899 |
| Return on Equity (ROE) | 10.2131% | 1,638 |
| Retained earnings to average equity (ytd only) | 6.7026% | 1,070 |
| Net charge-offs to loans | 0.2794% | 4,886 |
| Credit loss provision to net charge-offs | 37.6884% | 6,848 |
| Earnings coverage of net charge-offs (x) | 8.5025% | 1,935 |
| Efficiency ratio | 68.1536% | 4,980 |
| Assets per employee ($millions) | 4.3304% | 3,224 |
| Cash dividends to net income (ytd only)* | 34.3727% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 7,573 |
| Loan loss allowance to noncurrent loans | 25.1744% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 1.8529% | 3,592 |
| Noncurrent loans to loans | 2.3265% | 3,262 |
| Net loans and leases to total assets | 67.8906% | 3,728 |
| Net loans and leases to deposits | 78.8751% | 4,197 |
| Net loans and leases to core deposits | 129.1223% | 1,328 |
| Total domestic deposits to total assets | 86.0735% | 2,982 |
| Equity capital to assets | 12.8513% | 1,568 |
| Core capital (leverage) ratio | 12.9339% | 1,270 |
| Tier 1 risk-based capital ratio | 17.8030% | 1,947 |
| Total risk-based capital ratio | 18.3585% | 2,083 |
| Memoranda: | ||
| Average total assets | $104,793,000 | 4,967 |
| Average earning assets | $98,820,200 | 4,871 |
| Average equity | $13,189,000 | 4,459 |
| Average total loans | $71,233,400 | 4,826 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1007% | 260 |
| Cost of funding earning assets | 2.2612% | 2,147 |
| Net interest margin | 4.8395% | 638 |
| Noninterest income to average assets | 0.4580% | 4,843 |
| Noninterest expense to average assets | 3.4023% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2515% | 1,341 |
| Return on assets (ROA) | 1.3137% | 1,263 |
| Pretax return on assets | 1.6999% | 972 |
| Return on Equity (ROE) | 10.4958% | 1,766 |
| Retained earnings to average equity (ytd only) | 5.7502% | 2,080 |
| Net charge-offs to loans | 0.1001% | 5,668 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 23.8129% | 1,107 |
| Efficiency ratio | 67.7568% | 5,029 |
| Assets per employee ($millions) | 4.2638% | 3,262 |
| Cash dividends to net income (ytd only)* | 45.2150% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 7,416 |
| Loan loss allowance to noncurrent loans | 27.1698% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 2.0086% | 3,334 |
| Noncurrent loans to loans | 2.4970% | 3,016 |
| Net loans and leases to total assets | 69.2215% | 3,667 |
| Net loans and leases to deposits | 81.3087% | 4,149 |
| Net loans and leases to core deposits | 129.3538% | 1,472 |
| Total domestic deposits to total assets | 85.1342% | 3,159 |
| Equity capital to assets | 13.2015% | 1,622 |
| Core capital (leverage) ratio | 12.7721% | 1,458 |
| Tier 1 risk-based capital ratio | 17.4871% | 2,122 |
| Total risk-based capital ratio | 18.1374% | 2,261 |
| Memoranda: | ||
| Average total assets | $103,926,000 | 5,018 |
| Average earning assets | $97,997,500 | 4,921 |
| Average equity | $13,008,000 | 4,531 |
| Average total loans | $70,558,750 | 4,896 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0963% | 267 |
| Cost of funding earning assets | 2.3868% | 2,021 |
| Net interest margin | 4.7095% | 782 |
| Noninterest income to average assets | 0.4756% | 4,670 |
| Noninterest expense to average assets | 3.1775% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3948% | 1,038 |
| Return on assets (ROA) | 1.4325% | 1,019 |
| Pretax return on assets | 1.7722% | 892 |
| Return on Equity (ROE) | 11.6649% | 1,515 |
| Retained earnings to average equity (ytd only) | 4.3467% | 2,877 |
| Net charge-offs to loans | 0.0202% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 309 |
| Efficiency ratio | 64.8060% | 5,757 |
| Assets per employee ($millions) | 4.1470% | 3,405 |
| Cash dividends to net income (ytd only)* | 62.7371% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 7,246 |
| Loan loss allowance to noncurrent loans | 32.8947% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 1.8799% | 3,362 |
| Noncurrent loans to loans | 2.3471% | 3,083 |
| Net loans and leases to total assets | 68.1810% | 4,130 |
| Net loans and leases to deposits | 78.9955% | 4,701 |
| Net loans and leases to core deposits | 123.6483% | 2,054 |
| Total domestic deposits to total assets | 86.3100% | 2,616 |
| Equity capital to assets | 12.4776% | 1,934 |
| Core capital (leverage) ratio | 12.5990% | 1,575 |
| Tier 1 risk-based capital ratio | 17.6424% | 2,104 |
| Total risk-based capital ratio | 18.3738% | 2,207 |
| Memoranda: | ||
| Average total assets | $103,036,670 | 5,077 |
| Average earning assets | $96,867,330 | 4,976 |
| Average equity | $12,653,330 | 4,643 |
| Average total loans | $69,315,000 | 4,986 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0372% | 314 |
| Cost of funding earning assets | 2.4713% | 2,023 |
| Net interest margin | 4.5659% | 1,007 |
| Noninterest income to average assets | 0.4790% | 4,516 |
| Noninterest expense to average assets | 3.0413% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4073% | 1,123 |
| Return on assets (ROA) | 1.4136% | 1,196 |
| Pretax return on assets | 1.7407% | 1,098 |
| Return on Equity (ROE) | 11.6049% | 1,784 |
| Retained earnings to average equity (ytd only) | -3.1969% | 6,310 |
| Net charge-offs to loans | 0.0819% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 31.7857% | 1,014 |
| Efficiency ratio | 63.7031% | 5,744 |
| Assets per employee ($millions) | 4.0275% | 3,606 |
| Cash dividends to net income (ytd only)* | 127.5482% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7867% | 7,207 |
| Loan loss allowance to noncurrent loans | 30.3861% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 1.9968% | 2,909 |
| Noncurrent loans to loans | 2.5889% | 2,545 |
| Net loans and leases to total assets | 65.3985% | 4,725 |
| Net loans and leases to deposits | 75.1319% | 5,324 |
| Net loans and leases to core deposits | 114.0056% | 3,007 |
| Total domestic deposits to total assets | 87.0448% | 2,196 |
| Equity capital to assets | 11.8589% | 2,347 |
| Core capital (leverage) ratio | 12.4387% | 1,711 |
| Tier 1 risk-based capital ratio | 17.4895% | 2,189 |
| Total risk-based capital ratio | 18.2261% | 2,279 |
| Memoranda: | ||
| Average total assets | $102,718,000 | 5,105 |
| Average earning assets | $96,629,000 | 5,012 |
| Average equity | $12,512,000 | 4,701 |
| Average total loans | $68,354,500 | 5,037 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6733% | 295 |
| Cost of funding earning assets | 2.8620% | 2,433 |
| Net interest margin | 4.8113% | 766 |
| Noninterest income to average assets | 0.5327% | 4,377 |
| Noninterest expense to average assets | 3.3593% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3427% | 1,367 |
| Return on assets (ROA) | 1.3720% | 1,245 |
| Pretax return on assets | 1.7204% | 1,100 |
| Return on Equity (ROE) | 11.1003% | 1,871 |
| Retained earnings to average equity (ytd only) | 7.2848% | 1,063 |
| Net charge-offs to loans | 0.2489% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 10.0793% | 2,578 |
| Efficiency ratio | 66.6128% | 4,997 |
| Assets per employee ($millions) | 3.5972% | 4,421 |
| Cash dividends to net income (ytd only)* | 34.3727% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 7,019 |
| Loan loss allowance to noncurrent loans | 45.6183% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 1.4783% | 3,263 |
| Noncurrent loans to loans | 1.8040% | 3,052 |
| Net loans and leases to total assets | 66.6465% | 4,718 |
| Net loans and leases to deposits | 77.0397% | 5,467 |
| Net loans and leases to core deposits | 114.9238% | 3,244 |
| Total domestic deposits to total assets | 86.5093% | 2,166 |
| Equity capital to assets | 12.5158% | 2,003 |
| Core capital (leverage) ratio | 12.9019% | 1,579 |
| Tier 1 risk-based capital ratio | 18.2612% | 1,968 |
| Total risk-based capital ratio | 19.0440% | 2,030 |
| Memoranda: | ||
| Average total assets | $98,176,600 | 5,110 |
| Average earning assets | $92,033,400 | 5,028 |
| Average equity | $12,134,800 | 4,798 |
| Average total loans | $65,899,400 | 5,022 |