Home > First Central Bank McCook > Performance and Condition Ratios
First Central Bank McCook, 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 | 6.1342% | 537 |
| Cost of funding earning assets | 1.9430% | 1,005 |
| Net interest margin | 4.1912% | 947 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.7245% | 1,680 |
| Loan and lease loss provision to assets | 2.0700% | 29 |
| Net operating income to assets | -0.4494% | 4,503 |
| Return on assets (ROA) | -0.4494% | 4,486 |
| Pretax return on assets | -0.5890% | 4,489 |
| Return on Equity (ROE) | -4.5000% | 4,464 |
| Retained earnings to average equity (ytd only) | -4.4974% | 4,379 |
| Net charge-offs to loans | 4.8629% | 17 |
| Credit loss provision to net charge-offs | 56.3363% | 2,168 |
| Earnings coverage of net charge-offs (x) | 0.4080% | 2,813 |
| Efficiency ratio | 64.7710% | 2,512 |
| Assets per employee ($millions) | 5.6520% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 469 |
| Loan loss allowance to noncurrent loans | 23.0408% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 6.6622% | 17 |
| Noncurrent loans to loans | 8.1160% | 16 |
| Net loans and leases to total assets | 74.5700% | 1,287 |
| Net loans and leases to deposits | 88.0529% | 1,430 |
| Net loans and leases to core deposits | 135.3828% | 330 |
| Total domestic deposits to total assets | 84.6900% | 2,410 |
| Equity capital to assets | 10.7863% | 1,593 |
| Core capital (leverage) ratio | 10.6335% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2607% | 2,150 |
| Memoranda: | ||
| Average total assets | $137,530,800 | 3,484 |
| Average earning assets | $129,748,400 | 3,449 |
| Average equity | $13,741,400 | 3,367 |
| Average total loans | $102,717,200 | 3,147 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2381% | 397 |
| Cost of funding earning assets | 1.7878% | 1,031 |
| Net interest margin | 4.4504% | 663 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.5619% | 2,051 |
| Loan and lease loss provision to assets | 2.2100% | 29 |
| Net operating income to assets | -0.2036% | 4,495 |
| Return on assets (ROA) | -0.2036% | 4,481 |
| Pretax return on assets | -0.3456% | 4,496 |
| Return on Equity (ROE) | -2.0700% | 4,453 |
| Retained earnings to average equity (ytd only) | -2.0737% | 4,324 |
| Net charge-offs to loans | 5.5229% | 15 |
| Credit loss provision to net charge-offs | 52.9724% | 1,882 |
| Earnings coverage of net charge-offs (x) | 0.4535% | 2,564 |
| Efficiency ratio | 57.8947% | 3,216 |
| Assets per employee ($millions) | 7.0499% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 498 |
| Loan loss allowance to noncurrent loans | 28.8983% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 5.5549% | 26 |
| Noncurrent loans to loans | 6.4912% | 28 |
| Net loans and leases to total assets | 78.6100% | 806 |
| Net loans and leases to deposits | 92.9630% | 969 |
| Net loans and leases to core deposits | 142.5084% | 197 |
| Total domestic deposits to total assets | 84.5600% | 2,632 |
| Equity capital to assets | 10.8820% | 1,392 |
| Core capital (leverage) ratio | 10.2425% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2683% | 2,177 |
| Memoranda: | ||
| Average total assets | $140,827,750 | 3,457 |
| Average earning assets | $132,899,750 | 3,425 |
| Average equity | $13,823,750 | 3,350 |
| Average total loans | $104,773,500 | 3,128 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1669% | 364 |
| Cost of funding earning assets | 1.6060% | 1,050 |
| Net interest margin | 4.5610% | 567 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.4627% | 2,314 |
| Loan and lease loss provision to assets | 0.4200% | 195 |
| Net operating income to assets | 1.3080% | 1,553 |
| Return on assets (ROA) | 1.3080% | 1,537 |
| Pretax return on assets | 1.6349% | 1,348 |
| Return on Equity (ROE) | 13.1500% | 1,868 |
| Retained earnings to average equity (ytd only) | 13.1499% | 786 |
| Net charge-offs to loans | 4.3412% | 21 |
| Credit loss provision to net charge-offs | 13.4083% | 1,790 |
| Earnings coverage of net charge-offs (x) | 0.6510% | 2,397 |
| Efficiency ratio | 54.4629% | 3,573 |
| Assets per employee ($millions) | 6.3103% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9169% | 486 |
| Loan loss allowance to noncurrent loans | 28.3910% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 5.1661% | 29 |
| Noncurrent loans to loans | 6.7519% | 28 |
| Net loans and leases to total assets | 70.5400% | 1,685 |
| Net loans and leases to deposits | 82.0833% | 1,820 |
| Net loans and leases to core deposits | 113.5340% | 697 |
| Total domestic deposits to total assets | 85.9400% | 2,247 |
| Equity capital to assets | 10.3405% | 1,664 |
| Core capital (leverage) ratio | 10.2970% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $146,182,333 | 3,417 |
| Average earning assets | $137,734,333 | 3,384 |
| Average equity | $14,540,000 | 3,310 |
| Average total loans | $106,514,333 | 3,101 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9408% | 332 |
| Cost of funding earning assets | 1.3978% | 1,027 |
| Net interest margin | 4.5430% | 548 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.4763% | 2,301 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.4289% | 1,330 |
| Return on assets (ROA) | 1.4289% | 1,303 |
| Pretax return on assets | 1.7861% | 1,091 |
| Return on Equity (ROE) | 13.4100% | 1,901 |
| Retained earnings to average equity (ytd only) | 13.4094% | 1,025 |
| Net charge-offs to loans | 1.1362% | 71 |
| Credit loss provision to net charge-offs | 28.4790% | 1,358 |
| Earnings coverage of net charge-offs (x) | 2.4369% | 1,930 |
| Efficiency ratio | 55.0448% | 3,501 |
| Assets per employee ($millions) | 7.6931% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 693 |
| Loan loss allowance to noncurrent loans | 23.3681% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 7.2164% | 9 |
| Noncurrent loans to loans | 7.6034% | 22 |
| Net loans and leases to total assets | 71.2200% | 1,499 |
| Net loans and leases to deposits | 83.9017% | 1,506 |
| Net loans and leases to core deposits | 113.3647% | 602 |
| Total domestic deposits to total assets | 84.8800% | 2,884 |
| Equity capital to assets | 11.0298% | 1,329 |
| Core capital (leverage) ratio | 11.0746% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $148,930,000 | 3,436 |
| Average earning assets | $138,500,000 | 3,426 |
| Average equity | $15,869,500 | 3,225 |
| Average total loans | $108,786,500 | 3,106 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 258 |
| Cost of funding earning assets | 0.8825% | 268 |
| Net interest margin | 4.2113% | 516 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.2277% | 2,954 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.4706% | 958 |
| Return on assets (ROA) | 1.4706% | 920 |
| Pretax return on assets | 1.8746% | 617 |
| Return on Equity (ROE) | 13.3900% | 1,684 |
| Retained earnings to average equity (ytd only) | 8.1363% | 1,779 |
| Net charge-offs to loans | 0.3393% | 223 |
| Credit loss provision to net charge-offs | 73.8162% | 1,708 |
| Earnings coverage of net charge-offs (x) | 7.8217% | 2,290 |
| Efficiency ratio | 51.8353% | 3,989 |
| Assets per employee ($millions) | 7.2234% | 1,804 |
| Cash dividends to net income (ytd only)* | 39.2481% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 556 |
| Loan loss allowance to noncurrent loans | 24.2229% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 7.3676% | 7 |
| Noncurrent loans to loans | 7.7836% | 24 |
| Net loans and leases to total assets | 72.1800% | 1,398 |
| Net loans and leases to deposits | 83.9667% | 1,478 |
| Net loans and leases to core deposits | 108.9691% | 639 |
| Total domestic deposits to total assets | 85.9600% | 2,736 |
| Equity capital to assets | 10.2952% | 1,557 |
| Core capital (leverage) ratio | 10.3662% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $135,654,600 | 3,580 |
| Average earning assets | $128,607,400 | 3,540 |
| Average equity | $14,896,200 | 3,377 |
| Average total loans | $105,810,600 | 3,073 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 416 |
| Cost of funding earning assets | 0.8375% | 133 |
| Net interest margin | 3.7765% | 982 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.1350% | 3,113 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3156% | 1,304 |
| Return on assets (ROA) | 1.3156% | 1,272 |
| Pretax return on assets | 1.6752% | 952 |
| Return on Equity (ROE) | 11.7700% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.2606% | 2,648 |
| Net charge-offs to loans | -0.0715% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.7248% | 3,753 |
| Assets per employee ($millions) | 7.7145% | 1,472 |
| Cash dividends to net income (ytd only)* | 46.8052% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0492% | 463 |
| Loan loss allowance to noncurrent loans | 21.0753% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 7.5879% | 5 |
| Noncurrent loans to loans | 9.7234% | 15 |
| Net loans and leases to total assets | 76.4400% | 863 |
| Net loans and leases to deposits | 89.0082% | 964 |
| Net loans and leases to core deposits | 116.7838% | 319 |
| Total domestic deposits to total assets | 85.8800% | 3,093 |
| Equity capital to assets | 10.2984% | 1,470 |
| Core capital (leverage) ratio | 11.6876% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $131,645,250 | 3,645 |
| Average earning assets | $125,297,500 | 3,597 |
| Average equity | $14,716,000 | 3,435 |
| Average total loans | $104,364,750 | 3,104 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 520 |
| Cost of funding earning assets | 0.8381% | 82 |
| Net interest margin | 3.4748% | 1,382 |
| Noninterest income to average assets | 0.3695% | 2,933 |
| Noninterest expense to average assets | 2.0684% | 3,240 |
| Loan and lease loss provision to assets | 0.1421% | 670 |
| Net operating income to assets | 1.1905% | 1,457 |
| Return on assets (ROA) | 1.1905% | 1,436 |
| Pretax return on assets | 1.4779% | 1,230 |
| Return on Equity (ROE) | 10.3361% | 2,210 |
| Retained earnings to average equity (ytd only) | 3.9754% | 3,089 |
| Net charge-offs to loans | -0.0812% | 4,388 |
| Credit loss provision to net charge-offs | -219.5122% | 3,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0788% | 3,763 |
| Assets per employee ($millions) | 6.3901% | 2,400 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2070% | 381 |
| Loan loss allowance to noncurrent loans | 21.1708% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 8.6078% | 5 |
| Noncurrent loans to loans | 10.4245% | 13 |
| Net loans and leases to total assets | 80.7507% | 352 |
| Net loans and leases to deposits | 96.2687% | 422 |
| Net loans and leases to core deposits | 129.5551% | 124 |
| Total domestic deposits to total assets | 83.8805% | 3,705 |
| Equity capital to assets | 11.5100% | 1,029 |
| Core capital (leverage) ratio | 11.6515% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,668,333 | 3,733 |
| Average earning assets | $120,985,667 | 3,688 |
| Average equity | $14,589,667 | 3,535 |
| Average total loans | $101,025,000 | 3,172 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 604 |
| Cost of funding earning assets | 0.8178% | 81 |
| Net interest margin | 3.3113% | 1,541 |
| Noninterest income to average assets | 0.2316% | 3,761 |
| Noninterest expense to average assets | 1.9920% | 3,446 |
| Loan and lease loss provision to assets | 0.1427% | 562 |
| Net operating income to assets | 0.9929% | 1,906 |
| Return on assets (ROA) | 0.9929% | 1,901 |
| Pretax return on assets | 1.2561% | 1,637 |
| Return on Equity (ROE) | 8.6170% | 2,477 |
| Retained earnings to average equity (ytd only) | 3.7716% | 3,022 |
| Net charge-offs to loans | -0.1255% | 4,515 |
| Credit loss provision to net charge-offs | -145.1613% | 2,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7465% | 3,607 |
| Assets per employee ($millions) | 6.1575% | 2,658 |
| Cash dividends to net income (ytd only)* | 56.2300% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3392% | 348 |
| Loan loss allowance to noncurrent loans | 21.7983% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 8.4710% | 5 |
| Noncurrent loans to loans | 10.7312% | 17 |
| Net loans and leases to total assets | 77.0914% | 442 |
| Net loans and leases to deposits | 92.4115% | 416 |
| Net loans and leases to core deposits | 123.8042% | 125 |
| Total domestic deposits to total assets | 83.4218% | 3,877 |
| Equity capital to assets | 11.8441% | 1,007 |
| Core capital (leverage) ratio | 11.5868% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,101,500 | 3,754 |
| Average earning assets | $120,315,500 | 3,712 |
| Average equity | $14,529,500 | 3,603 |
| Average total loans | $98,772,500 | 3,205 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6743% | 436 |
| Cost of funding earning assets | 0.9468% | 88 |
| Net interest margin | 3.7276% | 1,151 |
| Noninterest income to average assets | 0.2045% | 4,143 |
| Noninterest expense to average assets | 2.3344% | 2,703 |
| Loan and lease loss provision to assets | 0.2385% | 408 |
| Net operating income to assets | 0.9134% | 2,992 |
| Return on assets (ROA) | 0.9134% | 3,056 |
| Pretax return on assets | 1.1705% | 2,758 |
| Return on Equity (ROE) | 7.8829% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.0461% | 3,206 |
| Net charge-offs to loans | 0.2461% | 377 |
| Credit loss provision to net charge-offs | 120.4082% | 1,643 |
| Earnings coverage of net charge-offs (x) | 7.1143% | 2,363 |
| Efficiency ratio | 62.3623% | 2,808 |
| Assets per employee ($millions) | 6.4527% | 2,366 |
| Cash dividends to net income (ytd only)* | 48.6726% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1907% | 454 |
| Loan loss allowance to noncurrent loans | 20.5786% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 8.2764% | 6 |
| Noncurrent loans to loans | 10.6456% | 16 |
| Net loans and leases to total assets | 76.0424% | 517 |
| Net loans and leases to deposits | 90.2125% | 562 |
| Net loans and leases to core deposits | 118.6179% | 175 |
| Total domestic deposits to total assets | 84.2925% | 3,479 |
| Equity capital to assets | 11.2148% | 1,656 |
| Core capital (leverage) ratio | 11.4672% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,712,600 | 3,762 |
| Average earning assets | $117,449,600 | 3,718 |
| Average equity | $14,334,800 | 3,703 |
| Average total loans | $99,549,000 | 3,204 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 278 |
| Cost of funding earning assets | 0.9841% | 91 |
| Net interest margin | 4.0561% | 705 |
| Noninterest income to average assets | 0.1950% | 4,225 |
| Noninterest expense to average assets | 2.3065% | 2,733 |
| Loan and lease loss provision to assets | 0.2721% | 310 |
| Net operating income to assets | 1.1418% | 2,398 |
| Return on assets (ROA) | 1.1418% | 2,458 |
| Pretax return on assets | 1.4599% | 2,111 |
| Return on Equity (ROE) | 9.7711% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.0417% | 2,800 |
| Net charge-offs to loans | 0.2040% | 408 |
| Credit loss provision to net charge-offs | 164.4737% | 1,299 |
| Earnings coverage of net charge-offs (x) | 10.4605% | 2,036 |
| Efficiency ratio | 57.1082% | 3,405 |
| Assets per employee ($millions) | 6.0910% | 2,596 |
| Cash dividends to net income (ytd only)* | 38.1679% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2566% | 417 |
| Loan loss allowance to noncurrent loans | 22.7535% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 8.1029% | 8 |
| Noncurrent loans to loans | 9.9174% | 19 |
| Net loans and leases to total assets | 79.8604% | 299 |
| Net loans and leases to deposits | 96.0802% | 346 |
| Net loans and leases to core deposits | 130.2391% | 115 |
| Total domestic deposits to total assets | 83.1185% | 3,672 |
| Equity capital to assets | 11.9471% | 1,426 |
| Core capital (leverage) ratio | 12.0723% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,377,500 | 3,821 |
| Average earning assets | $115,970,750 | 3,775 |
| Average equity | $14,300,250 | 3,750 |
| Average total loans | $99,353,000 | 3,249 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 314 |
| Cost of funding earning assets | 1.0070% | 102 |
| Net interest margin | 4.0520% | 751 |
| Noninterest income to average assets | 0.1828% | 4,288 |
| Noninterest expense to average assets | 2.2225% | 3,007 |
| Loan and lease loss provision to assets | 0.2529% | 385 |
| Net operating income to assets | 1.2206% | 2,106 |
| Return on assets (ROA) | 1.2206% | 2,186 |
| Pretax return on assets | 1.5551% | 1,859 |
| Return on Equity (ROE) | 10.5236% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.4133% | 1,929 |
| Net charge-offs to loans | 0.2880% | 307 |
| Credit loss provision to net charge-offs | 108.3916% | 1,315 |
| Earnings coverage of net charge-offs (x) | 7.7483% | 1,914 |
| Efficiency ratio | 55.1417% | 3,650 |
| Assets per employee ($millions) | 6.0952% | 2,526 |
| Cash dividends to net income (ytd only)* | 20.0535% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 469 |
| Loan loss allowance to noncurrent loans | 23.9335% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 7.4034% | 13 |
| Noncurrent loans to loans | 8.9737% | 22 |
| Net loans and leases to total assets | 80.7291% | 273 |
| Net loans and leases to deposits | 97.0714% | 349 |
| Net loans and leases to core deposits | 134.6873% | 107 |
| Total domestic deposits to total assets | 83.1646% | 3,669 |
| Equity capital to assets | 11.9012% | 1,416 |
| Core capital (leverage) ratio | 11.8876% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,563,333 | 3,824 |
| Average earning assets | $116,387,333 | 3,784 |
| Average equity | $14,215,667 | 3,772 |
| Average total loans | $99,293,333 | 3,265 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 609 |
| Cost of funding earning assets | 1.0220% | 120 |
| Net interest margin | 3.6235% | 1,522 |
| Noninterest income to average assets | 0.1953% | 4,217 |
| Noninterest expense to average assets | 2.2524% | 2,934 |
| Loan and lease loss provision to assets | 0.1465% | 898 |
| Net operating income to assets | 0.9634% | 2,920 |
| Return on assets (ROA) | 0.9634% | 3,016 |
| Pretax return on assets | 1.2238% | 2,774 |
| Return on Equity (ROE) | 8.4154% | 3,211 |
| Retained earnings to average equity (ytd only) | 8.4154% | 2,119 |
| Net charge-offs to loans | 0.5514% | 144 |
| Credit loss provision to net charge-offs | 33.0882% | 1,377 |
| Earnings coverage of net charge-offs (x) | 3.0956% | 1,782 |
| Efficiency ratio | 62.1743% | 2,727 |
| Assets per employee ($millions) | 6.0709% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0734% | 522 |
| Loan loss allowance to noncurrent loans | 21.0715% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 8.3316% | 10 |
| Noncurrent loans to loans | 9.8396% | 23 |
| Net loans and leases to total assets | 80.0168% | 332 |
| Net loans and leases to deposits | 96.1226% | 404 |
| Net loans and leases to core deposits | 134.6668% | 114 |
| Total domestic deposits to total assets | 83.2445% | 3,630 |
| Equity capital to assets | 11.7059% | 1,434 |
| Core capital (leverage) ratio | 11.7275% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,893,000 | 3,833 |
| Average earning assets | $116,240,500 | 3,781 |
| Average equity | $14,069,500 | 3,789 |
| Average total loans | $98,654,000 | 3,278 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 224 |
| Cost of funding earning assets | 1.3303% | 160 |
| Net interest margin | 4.0644% | 847 |
| Noninterest income to average assets | 0.3160% | 3,573 |
| Noninterest expense to average assets | 2.4191% | 3,087 |
| Loan and lease loss provision to assets | 0.2449% | 1,582 |
| Net operating income to assets | 1.1585% | 1,694 |
| Return on assets (ROA) | 1.1585% | 1,811 |
| Pretax return on assets | 1.4835% | 1,393 |
| Return on Equity (ROE) | 10.6222% | 1,767 |
| Retained earnings to average equity (ytd only) | 5.9062% | 1,838 |
| Net charge-offs to loans | 0.1154% | 1,328 |
| Credit loss provision to net charge-offs | 256.4103% | 1,904 |
| Earnings coverage of net charge-offs (x) | 18.0940% | 2,040 |
| Efficiency ratio | 58.3268% | 3,679 |
| Assets per employee ($millions) | 6.2185% | 2,151 |
| Cash dividends to net income (ytd only)* | 44.3975% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 419 |
| Loan loss allowance to noncurrent loans | 29.7095% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 6.8675% | 18 |
| Noncurrent loans to loans | 7.3703% | 43 |
| Net loans and leases to total assets | 77.1486% | 679 |
| Net loans and leases to deposits | 91.8656% | 788 |
| Net loans and leases to core deposits | 131.7076% | 184 |
| Total domestic deposits to total assets | 83.9799% | 3,115 |
| Equity capital to assets | 11.1973% | 2,104 |
| Core capital (leverage) ratio | 11.1821% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,481,800 | 3,716 |
| Average earning assets | $115,465,400 | 3,684 |
| Average equity | $13,358,800 | 3,830 |
| Average total loans | $101,351,200 | 3,209 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5602% | 204 |
| Cost of funding earning assets | 1.4170% | 159 |
| Net interest margin | 4.1432% | 823 |
| Noninterest income to average assets | 0.3475% | 3,386 |
| Noninterest expense to average assets | 2.5265% | 2,752 |
| Loan and lease loss provision to assets | 0.2459% | 1,649 |
| Net operating income to assets | 1.1627% | 1,772 |
| Return on assets (ROA) | 1.1627% | 1,890 |
| Pretax return on assets | 1.4829% | 1,478 |
| Return on Equity (ROE) | 10.7334% | 1,771 |
| Retained earnings to average equity (ytd only) | 5.8913% | 2,146 |
| Net charge-offs to loans | 0.0587% | 1,769 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 35.1556% | 1,462 |
| Efficiency ratio | 59.3734% | 3,476 |
| Assets per employee ($millions) | 6.0101% | 2,254 |
| Cash dividends to net income (ytd only)* | 45.1128% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 415 |
| Loan loss allowance to noncurrent loans | 28.8967% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 7.2694% | 25 |
| Noncurrent loans to loans | 7.2761% | 51 |
| Net loans and leases to total assets | 83.0885% | 354 |
| Net loans and leases to deposits | 100.0090% | 533 |
| Net loans and leases to core deposits | 148.9501% | 123 |
| Total domestic deposits to total assets | 83.0810% | 3,127 |
| Equity capital to assets | 11.4224% | 2,069 |
| Core capital (leverage) ratio | 11.3501% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,010,000 | 3,711 |
| Average earning assets | $115,077,250 | 3,678 |
| Average equity | $13,217,000 | 3,846 |
| Average total loans | $102,164,750 | 3,207 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6851% | 236 |
| Cost of funding earning assets | 1.4999% | 166 |
| Net interest margin | 4.1852% | 958 |
| Noninterest income to average assets | 0.4094% | 3,019 |
| Noninterest expense to average assets | 2.4125% | 3,229 |
| Loan and lease loss provision to assets | 0.2447% | 1,721 |
| Net operating income to assets | 1.3261% | 1,290 |
| Return on assets (ROA) | 1.3261% | 1,388 |
| Pretax return on assets | 1.7029% | 997 |
| Return on Equity (ROE) | 12.4636% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.6380% | 1,806 |
| Net charge-offs to loans | 0.0607% | 1,642 |
| Credit loss provision to net charge-offs | 483.8710% | 1,262 |
| Earnings coverage of net charge-offs (x) | 38.5161% | 1,275 |
| Efficiency ratio | 55.3311% | 4,025 |
| Assets per employee ($millions) | 5.0330% | 3,132 |
| Cash dividends to net income (ytd only)* | 46.7405% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 412 |
| Loan loss allowance to noncurrent loans | 25.9883% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 6.9499% | 32 |
| Noncurrent loans to loans | 7.8428% | 45 |
| Net loans and leases to total assets | 82.9212% | 333 |
| Net loans and leases to deposits | 98.8678% | 613 |
| Net loans and leases to core deposits | 152.0362% | 96 |
| Total domestic deposits to total assets | 83.8708% | 2,793 |
| Equity capital to assets | 10.7092% | 2,565 |
| Core capital (leverage) ratio | 10.5855% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,612,667 | 3,693 |
| Average earning assets | $115,742,000 | 3,651 |
| Average equity | $13,046,000 | 3,866 |
| Average total loans | $102,213,333 | 3,201 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5265% | 358 |
| Cost of funding earning assets | 1.6036% | 187 |
| Net interest margin | 3.9229% | 1,598 |
| Noninterest income to average assets | 0.6444% | 1,849 |
| Noninterest expense to average assets | 2.4546% | 3,408 |
| Loan and lease loss provision to assets | 0.2429% | 1,281 |
| Net operating income to assets | 1.3245% | 1,177 |
| Return on assets (ROA) | 1.3245% | 1,270 |
| Pretax return on assets | 1.6386% | 977 |
| Return on Equity (ROE) | 12.4876% | 992 |
| Retained earnings to average equity (ytd only) | 7.2972% | 1,445 |
| Net charge-offs to loans | -0.2192% | 4,949 |
| Credit loss provision to net charge-offs | -133.9286% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6094% | 4,149 |
| Assets per employee ($millions) | 6.3791% | 1,417 |
| Cash dividends to net income (ytd only)* | 41.5648% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0594% | 462 |
| Loan loss allowance to noncurrent loans | 11.7456% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 15.0797% | 7 |
| Noncurrent loans to loans | 17.5331% | 12 |
| Net loans and leases to total assets | 82.2447% | 416 |
| Net loans and leases to deposits | 98.0871% | 703 |
| Net loans and leases to core deposits | 154.7368% | 96 |
| Total domestic deposits to total assets | 83.8486% | 2,837 |
| Equity capital to assets | 10.9197% | 2,924 |
| Core capital (leverage) ratio | 10.7763% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,522,500 | 3,655 |
| Average earning assets | $116,240,000 | 3,623 |
| Average equity | $13,101,000 | 3,872 |
| Average total loans | $102,196,500 | 3,192 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0419% | 211 |
| Cost of funding earning assets | 1.6407% | 254 |
| Net interest margin | 4.4012% | 893 |
| Noninterest income to average assets | 0.2911% | 3,948 |
| Noninterest expense to average assets | 2.3652% | 3,786 |
| Loan and lease loss provision to assets | 0.4089% | 348 |
| Net operating income to assets | 1.2848% | 1,749 |
| Return on assets (ROA) | 1.2848% | 1,829 |
| Pretax return on assets | 1.6479% | 1,343 |
| Return on Equity (ROE) | 12.4760% | 1,335 |
| Retained earnings to average equity (ytd only) | 7.7349% | 1,067 |
| Net charge-offs to loans | 0.4452% | 430 |
| Credit loss provision to net charge-offs | 111.1111% | 2,250 |
| Earnings coverage of net charge-offs (x) | 5.5889% | 3,067 |
| Efficiency ratio | 53.4862% | 4,474 |
| Assets per employee ($millions) | 5.9925% | 1,642 |
| Cash dividends to net income (ytd only)* | 38.0013% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 535 |
| Loan loss allowance to noncurrent loans | 14.9350% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 10.9081% | 12 |
| Noncurrent loans to loans | 12.8218% | 12 |
| Net loans and leases to total assets | 79.9805% | 798 |
| Net loans and leases to deposits | 94.6946% | 1,089 |
| Net loans and leases to core deposits | 148.6516% | 128 |
| Total domestic deposits to total assets | 84.4615% | 2,701 |
| Equity capital to assets | 10.3042% | 3,625 |
| Core capital (leverage) ratio | 10.4422% | 3,016 |
| Tier 1 risk-based capital ratio | 11.3584% | 4,705 |
| Total risk-based capital ratio | 12.6143% | 4,580 |
| Memoranda: | ||
| Average total assets | $122,274,000 | 3,662 |
| Average earning assets | $114,765,200 | 3,637 |
| Average equity | $12,592,200 | 3,923 |
| Average total loans | $101,085,400 | 3,211 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1278% | 194 |
| Cost of funding earning assets | 1.6300% | 265 |
| Net interest margin | 4.4978% | 770 |
| Noninterest income to average assets | 0.2856% | 4,024 |
| Noninterest expense to average assets | 2.2408% | 4,092 |
| Loan and lease loss provision to assets | 0.2471% | 667 |
| Net operating income to assets | 1.5872% | 964 |
| Return on assets (ROA) | 1.5872% | 1,007 |
| Pretax return on assets | 2.0167% | 663 |
| Return on Equity (ROE) | 15.4065% | 696 |
| Retained earnings to average equity (ytd only) | 10.2674% | 689 |
| Net charge-offs to loans | 0.3800% | 438 |
| Credit loss provision to net charge-offs | 78.3972% | 2,524 |
| Earnings coverage of net charge-offs (x) | 7.1811% | 2,766 |
| Efficiency ratio | 49.7440% | 4,760 |
| Assets per employee ($millions) | 5.2624% | 2,270 |
| Cash dividends to net income (ytd only)* | 33.3563% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 714 |
| Loan loss allowance to noncurrent loans | 21.5165% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 7.3053% | 32 |
| Noncurrent loans to loans | 8.2595% | 45 |
| Net loans and leases to total assets | 84.6160% | 284 |
| Net loans and leases to deposits | 101.0219% | 561 |
| Net loans and leases to core deposits | 167.3229% | 74 |
| Total domestic deposits to total assets | 83.7601% | 2,911 |
| Equity capital to assets | 10.8506% | 3,247 |
| Core capital (leverage) ratio | 10.8244% | 2,812 |
| Tier 1 risk-based capital ratio | 12.5600% | 4,108 |
| Total risk-based capital ratio | 13.8160% | 3,976 |
| Memoranda: | ||
| Average total assets | $121,382,000 | 3,711 |
| Average earning assets | $113,861,500 | 3,682 |
| Average equity | $12,505,250 | 3,970 |
| Average total loans | $100,703,250 | 3,256 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0012% | 236 |
| Cost of funding earning assets | 1.5718% | 300 |
| Net interest margin | 4.4294% | 889 |
| Noninterest income to average assets | 0.2716% | 4,119 |
| Noninterest expense to average assets | 2.2963% | 4,012 |
| Loan and lease loss provision to assets | 0.2469% | 628 |
| Net operating income to assets | 1.4996% | 1,153 |
| Return on assets (ROA) | 1.4996% | 1,206 |
| Pretax return on assets | 1.8848% | 857 |
| Return on Equity (ROE) | 14.8178% | 803 |
| Retained earnings to average equity (ytd only) | 6.9779% | 1,815 |
| Net charge-offs to loans | 0.3497% | 477 |
| Credit loss provision to net charge-offs | 86.2069% | 2,168 |
| Earnings coverage of net charge-offs (x) | 7.4425% | 2,489 |
| Efficiency ratio | 51.8587% | 4,663 |
| Assets per employee ($millions) | 5.0991% | 2,363 |
| Cash dividends to net income (ytd only)* | 52.9089% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 639 |
| Loan loss allowance to noncurrent loans | 34.4696% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 4.4828% | 90 |
| Noncurrent loans to loans | 5.3208% | 91 |
| Net loans and leases to total assets | 82.7060% | 516 |
| Net loans and leases to deposits | 97.9133% | 854 |
| Net loans and leases to core deposits | 161.2792% | 90 |
| Total domestic deposits to total assets | 84.4686% | 2,697 |
| Equity capital to assets | 10.2813% | 3,716 |
| Core capital (leverage) ratio | 10.4114% | 3,183 |
| Tier 1 risk-based capital ratio | 11.7295% | 4,554 |
| Total risk-based capital ratio | 12.9858% | 4,455 |
| Memoranda: | ||
| Average total assets | $121,497,670 | 3,736 |
| Average earning assets | $114,009,670 | 3,702 |
| Average equity | $12,296,000 | 4,006 |
| Average total loans | $99,515,000 | 3,292 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 318 |
| Cost of funding earning assets | 1.5140% | 313 |
| Net interest margin | 4.2704% | 1,150 |
| Noninterest income to average assets | 0.2875% | 3,952 |
| Noninterest expense to average assets | 2.3096% | 4,000 |
| Loan and lease loss provision to assets | 0.2478% | 589 |
| Net operating income to assets | 1.3746% | 1,443 |
| Return on assets (ROA) | 1.3746% | 1,478 |
| Pretax return on assets | 1.7281% | 1,148 |
| Return on Equity (ROE) | 13.6921% | 1,034 |
| Retained earnings to average equity (ytd only) | 7.7676% | 1,749 |
| Net charge-offs to loans | 0.7409% | 201 |
| Credit loss provision to net charge-offs | 41.4365% | 2,019 |
| Earnings coverage of net charge-offs (x) | 3.3039% | 2,414 |
| Efficiency ratio | 53.8936% | 4,539 |
| Assets per employee ($millions) | 5.2974% | 2,177 |
| Cash dividends to net income (ytd only)* | 43.2692% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 679 |
| Loan loss allowance to noncurrent loans | 34.9498% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 4.2482% | 104 |
| Noncurrent loans to loans | 5.2106% | 103 |
| Net loans and leases to total assets | 80.0445% | 827 |
| Net loans and leases to deposits | 94.3384% | 1,133 |
| Net loans and leases to core deposits | 154.0954% | 109 |
| Total domestic deposits to total assets | 84.8483% | 2,733 |
| Equity capital to assets | 10.1600% | 3,669 |
| Core capital (leverage) ratio | 10.2774% | 3,300 |
| Tier 1 risk-based capital ratio | 12.2174% | 4,347 |
| Total risk-based capital ratio | 13.4745% | 4,207 |
| Memoranda: | ||
| Average total assets | $121,057,500 | 3,786 |
| Average earning assets | $113,339,500 | 3,758 |
| Average equity | $12,153,000 | 4,041 |
| Average total loans | $97,720,000 | 3,356 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1671% | 134 |
| Cost of funding earning assets | 1.3937% | 146 |
| Net interest margin | 4.7734% | 419 |
| Noninterest income to average assets | 0.4442% | 3,141 |
| Noninterest expense to average assets | 2.3093% | 4,096 |
| Loan and lease loss provision to assets | 0.3991% | 342 |
| Net operating income to assets | 1.7281% | 644 |
| Return on assets (ROA) | 1.7281% | 644 |
| Pretax return on assets | 2.2104% | 350 |
| Return on Equity (ROE) | 17.0926% | 482 |
| Retained earnings to average equity (ytd only) | 10.8716% | 463 |
| Net charge-offs to loans | 0.2883% | 675 |
| Credit loss provision to net charge-offs | 166.0650% | 1,680 |
| Earnings coverage of net charge-offs (x) | 10.8592% | 2,677 |
| Efficiency ratio | 46.9489% | 5,089 |
| Assets per employee ($millions) | 5.2372% | 2,217 |
| Cash dividends to net income (ytd only)* | 36.3956% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1207% | 387 |
| Loan loss allowance to noncurrent loans | 98.5060% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.7226% | 621 |
| Noncurrent loans to loans | 2.1529% | 605 |
| Net loans and leases to total assets | 78.3189% | 1,222 |
| Net loans and leases to deposits | 92.2243% | 1,515 |
| Net loans and leases to core deposits | 146.1238% | 157 |
| Total domestic deposits to total assets | 84.9222% | 2,675 |
| Equity capital to assets | 10.0519% | 3,627 |
| Core capital (leverage) ratio | 10.1377% | 3,414 |
| Tier 1 risk-based capital ratio | 12.0305% | 4,414 |
| Total risk-based capital ratio | 13.2901% | 4,288 |
| Memoranda: | ||
| Average total assets | $115,271,600 | 3,865 |
| Average earning assets | $108,058,000 | 3,836 |
| Average equity | $11,654,200 | 4,067 |
| Average total loans | $96,094,200 | 3,367 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1695% | 121 |
| Cost of funding earning assets | 1.3487% | 139 |
| Net interest margin | 4.8208% | 362 |
| Noninterest income to average assets | 0.5276% | 2,696 |
| Noninterest expense to average assets | 2.5408% | 3,475 |
| Loan and lease loss provision to assets | 0.1579% | 1,227 |
| Net operating income to assets | 1.8834% | 507 |
| Return on assets (ROA) | 1.8834% | 507 |
| Pretax return on assets | 2.3572% | 303 |
| Return on Equity (ROE) | 18.6003% | 373 |
| Retained earnings to average equity (ytd only) | 13.9791% | 253 |
| Net charge-offs to loans | 0.1750% | 952 |
| Credit loss provision to net charge-offs | 107.1429% | 2,150 |
| Earnings coverage of net charge-offs (x) | 17.0631% | 2,125 |
| Efficiency ratio | 50.2545% | 4,928 |
| Assets per employee ($millions) | 5.6231% | 1,807 |
| Cash dividends to net income (ytd only)* | 24.8448% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 686 |
| Loan loss allowance to noncurrent loans | 1,168.7500% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 4,272 |
| Noncurrent loans to loans | 0.1562% | 4,174 |
| Net loans and leases to total assets | 85.1617% | 348 |
| Net loans and leases to deposits | 107.2488% | 383 |
| Net loans and leases to core deposits | 176.8687% | 56 |
| Total domestic deposits to total assets | 79.4057% | 4,233 |
| Equity capital to assets | 10.2722% | 3,370 |
| Core capital (leverage) ratio | 10.3587% | 3,224 |
| Tier 1 risk-based capital ratio | 10.3140% | 5,290 |
| Total risk-based capital ratio | 11.5686% | 5,213 |
| Memoranda: | ||
| Average total assets | $113,975,750 | 3,926 |
| Average earning assets | $107,061,750 | 3,897 |
| Average equity | $11,540,750 | 4,122 |
| Average total loans | $96,022,000 | 3,405 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9696% | 148 |
| Cost of funding earning assets | 1.2876% | 124 |
| Net interest margin | 4.6820% | 461 |
| Noninterest income to average assets | 0.6678% | 2,015 |
| Noninterest expense to average assets | 2.3196% | 4,103 |
| Loan and lease loss provision to assets | 0.1598% | 1,167 |
| Net operating income to assets | 2.0479% | 340 |
| Return on assets (ROA) | 2.0479% | 337 |
| Pretax return on assets | 2.5736% | 199 |
| Return on Equity (ROE) | 20.3273% | 243 |
| Retained earnings to average equity (ytd only) | 14.1569% | 264 |
| Net charge-offs to loans | 0.0043% | 3,024 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 769.5000% | 105 |
| Efficiency ratio | 45.9051% | 5,214 |
| Assets per employee ($millions) | 5.4806% | 1,899 |
| Cash dividends to net income (ytd only)* | 30.3556% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 542 |
| Loan loss allowance to noncurrent loans | 69.0890% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.4511% | 360 |
| Noncurrent loans to loans | 2.8535% | 411 |
| Net loans and leases to total assets | 84.2032% | 438 |
| Net loans and leases to deposits | 103.9561% | 530 |
| Net loans and leases to core deposits | 172.3003% | 57 |
| Total domestic deposits to total assets | 80.9988% | 4,000 |
| Equity capital to assets | 10.1952% | 3,445 |
| Core capital (leverage) ratio | 10.3511% | 3,183 |
| Tier 1 risk-based capital ratio | 10.4783% | 5,277 |
| Total risk-based capital ratio | 11.7347% | 5,175 |
| Memoranda: | ||
| Average total assets | $112,605,670 | 3,978 |
| Average earning assets | $105,467,330 | 3,957 |
| Average equity | $11,344,330 | 4,176 |
| Average total loans | $93,884,670 | 3,446 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8668% | 167 |
| Cost of funding earning assets | 1.2734% | 94 |
| Net interest margin | 4.5934% | 508 |
| Noninterest income to average assets | 0.6789% | 1,916 |
| Noninterest expense to average assets | 2.3958% | 3,957 |
| Loan and lease loss provision to assets | 0.1616% | 1,117 |
| Net operating income to assets | 1.6702% | 733 |
| Return on assets (ROA) | 1.6702% | 736 |
| Pretax return on assets | 2.4102% | 260 |
| Return on Equity (ROE) | 16.6824% | 538 |
| Retained earnings to average equity (ytd only) | 16.6824% | 207 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2285% | 5,185 |
| Assets per employee ($millions) | 5.2612% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 453 |
| Loan loss allowance to noncurrent loans | 1,868.6275% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,632 |
| Noncurrent loans to loans | 0.1123% | 4,465 |
| Net loans and leases to total assets | 80.5105% | 869 |
| Net loans and leases to deposits | 95.6237% | 1,072 |
| Net loans and leases to core deposits | 159.7156% | 87 |
| Total domestic deposits to total assets | 84.1951% | 3,236 |
| Equity capital to assets | 10.3154% | 3,262 |
| Core capital (leverage) ratio | 10.5218% | 2,921 |
| Tier 1 risk-based capital ratio | 10.8586% | 5,218 |
| Total risk-based capital ratio | 12.1153% | 5,105 |
| Memoranda: | ||
| Average total assets | $111,362,000 | 4,039 |
| Average earning assets | $103,974,500 | 4,031 |
| Average equity | $11,149,500 | 4,256 |
| Average total loans | $91,396,500 | 3,518 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9917% | 136 |
| Cost of funding earning assets | 1.2015% | 71 |
| Net interest margin | 4.7902% | 359 |
| Noninterest income to average assets | 0.4307% | 3,432 |
| Noninterest expense to average assets | 2.3094% | 4,302 |
| Loan and lease loss provision to assets | 0.3434% | 468 |
| Net operating income to assets | 1.4174% | 977 |
| Return on assets (ROA) | 1.4174% | 997 |
| Pretax return on assets | 2.3002% | 264 |
| Return on Equity (ROE) | 12.5244% | 1,072 |
| Retained earnings to average equity (ytd only) | -9.3748% | 5,521 |
| Net charge-offs to loans | 0.1204% | 1,843 |
| Credit loss provision to net charge-offs | 345.7944% | 849 |
| Earnings coverage of net charge-offs (x) | 26.6168% | 1,664 |
| Efficiency ratio | 46.6267% | 5,375 |
| Assets per employee ($millions) | 4.8800% | 2,633 |
| Cash dividends to net income (ytd only)* | 174.8527% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 517 |
| Loan loss allowance to noncurrent loans | 2,296.2963% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 4,759 |
| Noncurrent loans to loans | 0.0881% | 4,609 |
| Net loans and leases to total assets | 80.2529% | 921 |
| Net loans and leases to deposits | 94.3619% | 1,234 |
| Net loans and leases to core deposits | 155.8634% | 102 |
| Total domestic deposits to total assets | 85.0480% | 2,822 |
| Equity capital to assets | 9.7132% | 4,017 |
| Core capital (leverage) ratio | 9.5719% | 3,945 |
| Tier 1 risk-based capital ratio | 10.4391% | 5,388 |
| Total risk-based capital ratio | 11.6957% | 5,301 |
| Memoranda: | ||
| Average total assets | $107,731,800 | 4,104 |
| Average earning assets | $101,708,000 | 4,067 |
| Average equity | $12,192,200 | 4,112 |
| Average total loans | $88,860,800 | 3,547 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9250% | 143 |
| Cost of funding earning assets | 1.1702% | 75 |
| Net interest margin | 4.7548% | 373 |
| Noninterest income to average assets | 0.4140% | 3,598 |
| Noninterest expense to average assets | 2.3438% | 4,176 |
| Loan and lease loss provision to assets | 0.1688% | 1,198 |
| Net operating income to assets | 1.6309% | 661 |
| Return on assets (ROA) | 1.6309% | 683 |
| Pretax return on assets | 2.3988% | 255 |
| Return on Equity (ROE) | 13.8926% | 857 |
| Retained earnings to average equity (ytd only) | 10.6752% | 463 |
| Net charge-offs to loans | 0.1665% | 1,245 |
| Credit loss provision to net charge-offs | 122.7273% | 1,977 |
| Earnings coverage of net charge-offs (x) | 18.6640% | 2,031 |
| Efficiency ratio | 47.7209% | 5,358 |
| Assets per employee ($millions) | 5.0630% | 2,375 |
| Cash dividends to net income (ytd only)* | 23.1597% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 940 |
| Loan loss allowance to noncurrent loans | 206.7516% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 2,395 |
| Noncurrent loans to loans | 0.8469% | 2,247 |
| Net loans and leases to total assets | 81.7561% | 733 |
| Net loans and leases to deposits | 104.4599% | 476 |
| Net loans and leases to core deposits | 182.8594% | 48 |
| Total domestic deposits to total assets | 78.2655% | 4,682 |
| Equity capital to assets | 11.7053% | 2,183 |
| Core capital (leverage) ratio | 11.7959% | 1,824 |
| Tier 1 risk-based capital ratio | 12.1502% | 4,518 |
| Total risk-based capital ratio | 13.4045% | 4,419 |
| Memoranda: | ||
| Average total assets | $106,605,000 | 4,168 |
| Average earning assets | $100,836,250 | 4,123 |
| Average equity | $12,514,750 | 4,096 |
| Average total loans | $88,092,250 | 3,596 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8870% | 143 |
| Cost of funding earning assets | 1.1096% | 94 |
| Net interest margin | 4.7774% | 337 |
| Noninterest income to average assets | 0.3238% | 4,235 |
| Noninterest expense to average assets | 2.3788% | 4,120 |
| Loan and lease loss provision to assets | 0.1714% | 1,135 |
| Net operating income to assets | 1.5351% | 804 |
| Return on assets (ROA) | 1.5351% | 828 |
| Pretax return on assets | 2.2836% | 309 |
| Return on Equity (ROE) | 13.0629% | 1,022 |
| Retained earnings to average equity (ytd only) | 9.3677% | 741 |
| Net charge-offs to loans | 0.2565% | 797 |
| Credit loss provision to net charge-offs | 81.0811% | 2,244 |
| Earnings coverage of net charge-offs (x) | 11.6126% | 2,261 |
| Efficiency ratio | 49.2120% | 5,347 |
| Assets per employee ($millions) | 4.8829% | 2,536 |
| Cash dividends to net income (ytd only)* | 28.2878% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 987 |
| Loan loss allowance to noncurrent loans | 148.3537% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.9895% | 1,775 |
| Noncurrent loans to loans | 1.1762% | 1,664 |
| Net loans and leases to total assets | 82.6592% | 585 |
| Net loans and leases to deposits | 105.9518% | 401 |
| Net loans and leases to core deposits | 175.6890% | 61 |
| Total domestic deposits to total assets | 78.0159% | 4,813 |
| Equity capital to assets | 11.7433% | 2,119 |
| Core capital (leverage) ratio | 11.7410% | 1,803 |
| Tier 1 risk-based capital ratio | 12.4218% | 4,343 |
| Total risk-based capital ratio | 13.6767% | 4,232 |
| Memoranda: | ||
| Average total assets | $105,011,670 | 4,226 |
| Average earning assets | $99,134,330 | 4,176 |
| Average equity | $12,340,330 | 4,135 |
| Average total loans | $86,560,670 | 3,643 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7462% | 169 |
| Cost of funding earning assets | 1.0726% | 112 |
| Net interest margin | 4.6737% | 389 |
| Noninterest income to average assets | 0.3198% | 4,265 |
| Noninterest expense to average assets | 2.3428% | 4,282 |
| Loan and lease loss provision to assets | 0.1734% | 1,019 |
| Net operating income to assets | 1.5028% | 805 |
| Return on assets (ROA) | 1.5028% | 832 |
| Pretax return on assets | 2.2195% | 345 |
| Return on Equity (ROE) | 12.7837% | 1,043 |
| Retained earnings to average equity (ytd only) | 11.5381% | 527 |
| Net charge-offs to loans | 0.5292% | 341 |
| Credit loss provision to net charge-offs | 40.1786% | 2,059 |
| Earnings coverage of net charge-offs (x) | 5.5446% | 2,282 |
| Efficiency ratio | 49.4711% | 5,403 |
| Assets per employee ($millions) | 4.7113% | 2,826 |
| Cash dividends to net income (ytd only)* | 9.7436% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 1,010 |
| Loan loss allowance to noncurrent loans | 153.4068% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 1,910 |
| Noncurrent loans to loans | 1.1573% | 1,753 |
| Net loans and leases to total assets | 81.7220% | 600 |
| Net loans and leases to deposits | 97.0831% | 841 |
| Net loans and leases to core deposits | 157.4951% | 85 |
| Total domestic deposits to total assets | 84.1774% | 3,407 |
| Equity capital to assets | 11.9413% | 1,881 |
| Core capital (leverage) ratio | 11.8682% | 1,712 |
| Tier 1 risk-based capital ratio | 12.4039% | 4,446 |
| Total risk-based capital ratio | 13.6585% | 4,347 |
| Memoranda: | ||
| Average total assets | $103,806,000 | 4,288 |
| Average earning assets | $98,081,500 | 4,233 |
| Average equity | $12,203,000 | 4,185 |
| Average total loans | $84,655,000 | 3,711 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7102% | 187 |
| Cost of funding earning assets | 1.0672% | 118 |
| Net interest margin | 4.6431% | 466 |
| Noninterest income to average assets | 0.3452% | 4,269 |
| Noninterest expense to average assets | 2.3082% | 4,538 |
| Loan and lease loss provision to assets | 0.2893% | 663 |
| Net operating income to assets | 1.4800% | 868 |
| Return on assets (ROA) | 1.4800% | 887 |
| Pretax return on assets | 2.1356% | 371 |
| Return on Equity (ROE) | 13.5199% | 868 |
| Retained earnings to average equity (ytd only) | 12.8594% | 174 |
| Net charge-offs to loans | -0.0106% | 4,953 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7676% | 5,541 |
| Assets per employee ($millions) | 4.7256% | 2,750 |
| Cash dividends to net income (ytd only)* | 4.8860% | 4,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 774 |
| Loan loss allowance to noncurrent loans | 631.6206% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 4,332 |
| Noncurrent loans to loans | 0.3045% | 4,047 |
| Net loans and leases to total assets | 78.3712% | 1,150 |
| Net loans and leases to deposits | 92.5160% | 1,368 |
| Net loans and leases to core deposits | 149.2034% | 118 |
| Total domestic deposits to total assets | 84.7109% | 3,168 |
| Equity capital to assets | 11.5705% | 2,106 |
| Core capital (leverage) ratio | 11.4742% | 1,951 |
| Tier 1 risk-based capital ratio | 12.3280% | 4,487 |
| Total risk-based capital ratio | 13.5835% | 4,372 |
| Memoranda: | ||
| Average total assets | $103,715,800 | 4,290 |
| Average earning assets | $98,016,800 | 4,239 |
| Average equity | $11,353,600 | 4,364 |
| Average total loans | $84,901,600 | 3,690 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6729% | 197 |
| Cost of funding earning assets | 1.0661% | 114 |
| Net interest margin | 4.6067% | 501 |
| Noninterest income to average assets | 0.3666% | 4,156 |
| Noninterest expense to average assets | 2.2883% | 4,564 |
| Loan and lease loss provision to assets | 0.1994% | 1,062 |
| Net operating income to assets | 1.5680% | 772 |
| Return on assets (ROA) | 1.5680% | 811 |
| Pretax return on assets | 2.2420% | 351 |
| Return on Equity (ROE) | 14.5313% | 736 |
| Retained earnings to average equity (ytd only) | 14.5313% | 149 |
| Net charge-offs to loans | -0.0016% | 4,464 |
| Credit loss provision to net charge-offs | -15,500.0000% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3818% | 5,579 |
| Assets per employee ($millions) | 5.5027% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 1,234 |
| Loan loss allowance to noncurrent loans | 2,778.8462% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 5,260 |
| Noncurrent loans to loans | 0.0610% | 5,112 |
| Net loans and leases to total assets | 80.1762% | 868 |
| Net loans and leases to deposits | 98.1741% | 837 |
| Net loans and leases to core deposits | 161.4223% | 91 |
| Total domestic deposits to total assets | 81.6673% | 4,050 |
| Equity capital to assets | 11.3112% | 2,690 |
| Core capital (leverage) ratio | 11.3572% | 2,150 |
| Tier 1 risk-based capital ratio | 11.9388% | 4,829 |
| Total risk-based capital ratio | 13.1910% | 4,718 |
| Memoranda: | ||
| Average total assets | $103,654,000 | 4,326 |
| Average earning assets | $98,172,250 | 4,270 |
| Average equity | $11,184,750 | 4,438 |
| Average total loans | $85,358,250 | 3,700 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 258 |
| Cost of funding earning assets | 1.0439% | 126 |
| Net interest margin | 4.4548% | 681 |
| Noninterest income to average assets | 0.3773% | 4,047 |
| Noninterest expense to average assets | 2.3279% | 4,530 |
| Loan and lease loss provision to assets | 0.2129% | 1,001 |
| Net operating income to assets | 1.5055% | 883 |
| Return on assets (ROA) | 1.5055% | 927 |
| Pretax return on assets | 2.0976% | 471 |
| Return on Equity (ROE) | 14.1828% | 802 |
| Retained earnings to average equity (ytd only) | 14.1828% | 175 |
| Net charge-offs to loans | 0.0375% | 2,711 |
| Credit loss provision to net charge-offs | 687.5000% | 512 |
| Earnings coverage of net charge-offs (x) | 74.6250% | 738 |
| Efficiency ratio | 50.1877% | 5,549 |
| Assets per employee ($millions) | 5.2600% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 1,710 |
| Loan loss allowance to noncurrent loans | 88.3632% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.4867% | 1,287 |
| Noncurrent loans to loans | 1.7446% | 1,199 |
| Net loans and leases to total assets | 83.9011% | 426 |
| Net loans and leases to deposits | 103.5877% | 476 |
| Net loans and leases to core deposits | 173.5567% | 63 |
| Total domestic deposits to total assets | 80.9952% | 4,280 |
| Equity capital to assets | 10.8270% | 3,259 |
| Core capital (leverage) ratio | 11.0566% | 2,379 |
| Tier 1 risk-based capital ratio | 11.1986% | 5,317 |
| Total risk-based capital ratio | 12.4502% | 5,230 |
| Memoranda: | ||
| Average total assets | $103,355,000 | 4,359 |
| Average earning assets | $98,859,670 | 4,291 |
| Average equity | $10,971,000 | 4,498 |
| Average total loans | $85,387,670 | 3,707 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 396 |
| Cost of funding earning assets | 1.0368% | 131 |
| Net interest margin | 4.1920% | 1,114 |
| Noninterest income to average assets | 0.3827% | 3,967 |
| Noninterest expense to average assets | 2.3157% | 4,614 |
| Loan and lease loss provision to assets | 0.2538% | 685 |
| Net operating income to assets | 1.4175% | 1,014 |
| Return on assets (ROA) | 1.4175% | 1,068 |
| Pretax return on assets | 1.8393% | 784 |
| Return on Equity (ROE) | 13.4925% | 934 |
| Retained earnings to average equity (ytd only) | 13.4925% | 356 |
| Net charge-offs to loans | 0.3027% | 711 |
| Credit loss provision to net charge-offs | 103.1746% | 1,581 |
| Earnings coverage of net charge-offs (x) | 8.5079% | 2,046 |
| Efficiency ratio | 52.5244% | 5,483 |
| Assets per employee ($millions) | 5.0412% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,875 |
| Loan loss allowance to noncurrent loans | 56.2092% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.3744% | 651 |
| Noncurrent loans to loans | 2.7147% | 652 |
| Net loans and leases to total assets | 82.5706% | 499 |
| Net loans and leases to deposits | 96.9478% | 852 |
| Net loans and leases to core deposits | 159.2711% | 83 |
| Total domestic deposits to total assets | 85.1702% | 3,054 |
| Equity capital to assets | 10.8585% | 3,107 |
| Core capital (leverage) ratio | 10.8750% | 2,542 |
| Tier 1 risk-based capital ratio | 11.2360% | 5,378 |
| Total risk-based capital ratio | 12.4870% | 5,281 |
| Memoranda: | ||
| Average total assets | $102,432,500 | 4,418 |
| Average earning assets | $98,378,000 | 4,332 |
| Average equity | $10,761,500 | 4,547 |
| Average total loans | $83,258,500 | 3,774 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 422 |
| Cost of funding earning assets | 0.9952% | 181 |
| Net interest margin | 4.2124% | 1,143 |
| Noninterest income to average assets | 0.4111% | 3,943 |
| Noninterest expense to average assets | 2.3685% | 4,593 |
| Loan and lease loss provision to assets | 0.1823% | 1,240 |
| Net operating income to assets | 1.2314% | 1,447 |
| Return on assets (ROA) | 1.2314% | 1,506 |
| Pretax return on assets | 1.8936% | 663 |
| Return on Equity (ROE) | 11.8008% | 1,357 |
| Retained earnings to average equity (ytd only) | 6.6671% | 1,460 |
| Net charge-offs to loans | 0.0089% | 4,144 |
| Credit loss provision to net charge-offs | 2,571.4286% | 135 |
| Earnings coverage of net charge-offs (x) | 292.8571% | 245 |
| Efficiency ratio | 53.2923% | 5,566 |
| Assets per employee ($millions) | 4.7291% | 2,694 |
| Cash dividends to net income (ytd only)* | 43.5033% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,715 |
| Loan loss allowance to noncurrent loans | 1,216.0377% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 4,808 |
| Noncurrent loans to loans | 0.1293% | 4,976 |
| Net loans and leases to total assets | 77.5531% | 1,184 |
| Net loans and leases to deposits | 90.0093% | 1,613 |
| Net loans and leases to core deposits | 139.7662% | 168 |
| Total domestic deposits to total assets | 86.1612% | 2,565 |
| Equity capital to assets | 10.1643% | 3,789 |
| Core capital (leverage) ratio | 10.1589% | 3,309 |
| Tier 1 risk-based capital ratio | 11.1117% | 5,463 |
| Total risk-based capital ratio | 12.3631% | 5,366 |
| Memoranda: | ||
| Average total assets | $98,753,000 | 4,480 |
| Average earning assets | $94,553,800 | 4,424 |
| Average equity | $10,304,400 | 4,598 |
| Average total loans | $78,974,200 | 3,864 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 438 |
| Cost of funding earning assets | 0.9851% | 196 |
| Net interest margin | 4.2249% | 1,113 |
| Noninterest income to average assets | 0.4010% | 4,080 |
| Noninterest expense to average assets | 2.3620% | 4,616 |
| Loan and lease loss provision to assets | 0.1847% | 1,118 |
| Net operating income to assets | 1.2344% | 1,543 |
| Return on assets (ROA) | 1.2344% | 1,598 |
| Pretax return on assets | 1.8981% | 729 |
| Return on Equity (ROE) | 11.7483% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.0912% | 873 |
| Net charge-offs to loans | 0.0290% | 3,358 |
| Credit loss provision to net charge-offs | 794.1176% | 447 |
| Earnings coverage of net charge-offs (x) | 89.5139% | 690 |
| Efficiency ratio | 53.1404% | 5,575 |
| Assets per employee ($millions) | 4.7456% | 2,629 |
| Cash dividends to net income (ytd only)* | 22.6161% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 2,062 |
| Loan loss allowance to noncurrent loans | 59.1759% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.1935% | 874 |
| Noncurrent loans to loans | 2.5715% | 779 |
| Net loans and leases to total assets | 80.1991% | 799 |
| Net loans and leases to deposits | 93.9840% | 1,206 |
| Net loans and leases to core deposits | 148.3288% | 113 |
| Total domestic deposits to total assets | 85.3327% | 2,862 |
| Equity capital to assets | 10.6264% | 3,440 |
| Core capital (leverage) ratio | 11.0496% | 2,437 |
| Tier 1 risk-based capital ratio | 10.8593% | 5,728 |
| Total risk-based capital ratio | 12.1093% | 5,654 |
| Memoranda: | ||
| Average total assets | $97,431,000 | 4,556 |
| Average earning assets | $93,253,500 | 4,493 |
| Average equity | $10,236,750 | 4,668 |
| Average total loans | $78,223,750 | 3,916 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 441 |
| Cost of funding earning assets | 0.9644% | 206 |
| Net interest margin | 4.2164% | 1,077 |
| Noninterest income to average assets | 0.3827% | 4,211 |
| Noninterest expense to average assets | 2.3663% | 4,671 |
| Loan and lease loss provision to assets | 0.1862% | 1,082 |
| Net operating income to assets | 1.2742% | 1,393 |
| Return on assets (ROA) | 1.2742% | 1,456 |
| Pretax return on assets | 1.8637% | 799 |
| Return on Equity (ROE) | 12.1751% | 1,323 |
| Retained earnings to average equity (ytd only) | 9.6452% | 743 |
| Net charge-offs to loans | 0.0725% | 2,353 |
| Credit loss provision to net charge-offs | 321.4286% | 887 |
| Earnings coverage of net charge-offs (x) | 35.3929% | 1,220 |
| Efficiency ratio | 53.5831% | 5,617 |
| Assets per employee ($millions) | 4.5398% | 2,919 |
| Cash dividends to net income (ytd only)* | 20.7792% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 2,328 |
| Loan loss allowance to noncurrent loans | 76.0491% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 1,368 |
| Noncurrent loans to loans | 1.9621% | 1,259 |
| Net loans and leases to total assets | 81.5746% | 598 |
| Net loans and leases to deposits | 96.0005% | 964 |
| Net loans and leases to core deposits | 157.6366% | 84 |
| Total domestic deposits to total assets | 84.9731% | 3,133 |
| Equity capital to assets | 10.8784% | 3,016 |
| Core capital (leverage) ratio | 11.0830% | 2,342 |
| Tier 1 risk-based capital ratio | 10.9429% | 5,741 |
| Total risk-based capital ratio | 12.1855% | 5,660 |
| Memoranda: | ||
| Average total assets | $96,689,000 | 4,620 |
| Average earning assets | $92,497,000 | 4,545 |
| Average equity | $10,119,000 | 4,723 |
| Average total loans | $77,245,330 | 3,972 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 464 |
| Cost of funding earning assets | 0.9049% | 279 |
| Net interest margin | 4.2157% | 1,028 |
| Noninterest income to average assets | 0.3492% | 4,405 |
| Noninterest expense to average assets | 2.3129% | 4,847 |
| Loan and lease loss provision to assets | 0.1849% | 1,030 |
| Net operating income to assets | 1.2982% | 1,284 |
| Return on assets (ROA) | 1.2982% | 1,369 |
| Pretax return on assets | 1.8898% | 730 |
| Return on Equity (ROE) | 12.6489% | 1,176 |
| Retained earnings to average equity (ytd only) | 9.4466% | 1,054 |
| Net charge-offs to loans | 0.2409% | 989 |
| Credit loss provision to net charge-offs | 97.8261% | 1,686 |
| Earnings coverage of net charge-offs (x) | 10.9783% | 1,898 |
| Efficiency ratio | 52.7154% | 5,767 |
| Assets per employee ($millions) | 4.4620% | 3,116 |
| Cash dividends to net income (ytd only)* | 25.3165% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 2,408 |
| Loan loss allowance to noncurrent loans | 53.7868% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.3180% | 960 |
| Noncurrent loans to loans | 2.8065% | 820 |
| Net loans and leases to total assets | 77.6384% | 976 |
| Net loans and leases to deposits | 91.3094% | 1,255 |
| Net loans and leases to core deposits | 137.5146% | 174 |
| Total domestic deposits to total assets | 85.0279% | 3,392 |
| Equity capital to assets | 10.7907% | 3,204 |
| Core capital (leverage) ratio | 10.9263% | 2,491 |
| Tier 1 risk-based capital ratio | 10.8156% | 5,893 |
| Total risk-based capital ratio | 12.0083% | 5,838 |
| Memoranda: | ||
| Average total assets | $97,365,500 | 4,640 |
| Average earning assets | $93,270,000 | 4,565 |
| Average equity | $9,993,000 | 4,789 |
| Average total loans | $76,394,000 | 4,009 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3121% | 442 |
| Cost of funding earning assets | 0.9109% | 368 |
| Net interest margin | 4.4012% | 883 |
| Noninterest income to average assets | 0.4673% | 3,733 |
| Noninterest expense to average assets | 2.3524% | 4,970 |
| Loan and lease loss provision to assets | 0.3505% | 541 |
| Net operating income to assets | 1.4337% | 1,015 |
| Return on assets (ROA) | 1.4337% | 1,045 |
| Pretax return on assets | 1.9722% | 537 |
| Return on Equity (ROE) | 14.3209% | 876 |
| Retained earnings to average equity (ytd only) | 10.7884% | 403 |
| Net charge-offs to loans | 0.3572% | 1,222 |
| Credit loss provision to net charge-offs | 123.1343% | 1,946 |
| Earnings coverage of net charge-offs (x) | 8.1604% | 2,918 |
| Efficiency ratio | 50.3180% | 6,075 |
| Assets per employee ($millions) | 4.8110% | 2,576 |
| Cash dividends to net income (ytd only)* | 24.6667% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 2,888 |
| Loan loss allowance to noncurrent loans | 1,430.7692% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 5,323 |
| Noncurrent loans to loans | 0.0988% | 5,503 |
| Net loans and leases to total assets | 77.0157% | 1,128 |
| Net loans and leases to deposits | 88.7845% | 1,640 |
| Net loans and leases to core deposits | 122.3354% | 357 |
| Total domestic deposits to total assets | 86.7445% | 2,424 |
| Equity capital to assets | 9.7743% | 4,391 |
| Core capital (leverage) ratio | 10.0597% | 3,484 |
| Tier 1 risk-based capital ratio | 11.3996% | 5,720 |
| Total risk-based capital ratio | 12.6496% | 5,639 |
| Memoranda: | ||
| Average total assets | $94,159,200 | 4,752 |
| Average earning assets | $90,021,600 | 4,653 |
| Average equity | $9,426,800 | 4,882 |
| Average total loans | $75,023,200 | 4,021 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3474% | 414 |
| Cost of funding earning assets | 0.8912% | 432 |
| Net interest margin | 4.4561% | 809 |
| Noninterest income to average assets | 0.4832% | 3,661 |
| Noninterest expense to average assets | 2.3625% | 4,936 |
| Loan and lease loss provision to assets | 0.3245% | 576 |
| Net operating income to assets | 1.5058% | 933 |
| Return on assets (ROA) | 1.5058% | 961 |
| Pretax return on assets | 2.0582% | 499 |
| Return on Equity (ROE) | 14.9437% | 839 |
| Retained earnings to average equity (ytd only) | 10.8069% | 548 |
| Net charge-offs to loans | 0.3511% | 1,146 |
| Credit loss provision to net charge-offs | 115.3846% | 1,967 |
| Earnings coverage of net charge-offs (x) | 8.4719% | 2,793 |
| Efficiency ratio | 49.7872% | 6,109 |
| Assets per employee ($millions) | 4.4020% | 3,128 |
| Cash dividends to net income (ytd only)* | 27.6816% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 2,959 |
| Loan loss allowance to noncurrent loans | 501.8519% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 4,877 |
| Noncurrent loans to loans | 0.2883% | 5,047 |
| Net loans and leases to total assets | 79.8877% | 723 |
| Net loans and leases to deposits | 93.6493% | 1,069 |
| Net loans and leases to core deposits | 127.7465% | 258 |
| Total domestic deposits to total assets | 85.3052% | 3,210 |
| Equity capital to assets | 10.5018% | 3,557 |
| Core capital (leverage) ratio | 10.4841% | 3,064 |
| Tier 1 risk-based capital ratio | 11.8474% | 5,589 |
| Total risk-based capital ratio | 13.0978% | 5,507 |
| Memoranda: | ||
| Average total assets | $92,441,500 | 4,829 |
| Average earning assets | $88,415,250 | 4,741 |
| Average equity | $9,314,750 | 4,944 |
| Average total loans | $74,047,750 | 4,087 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 453 |
| Cost of funding earning assets | 0.8641% | 519 |
| Net interest margin | 4.4067% | 838 |
| Noninterest income to average assets | 0.5171% | 3,361 |
| Noninterest expense to average assets | 2.3799% | 4,937 |
| Loan and lease loss provision to assets | 0.3245% | 577 |
| Net operating income to assets | 1.4842% | 898 |
| Return on assets (ROA) | 1.4842% | 930 |
| Pretax return on assets | 2.0272% | 528 |
| Return on Equity (ROE) | 14.9396% | 800 |
| Retained earnings to average equity (ytd only) | 10.9978% | 541 |
| Net charge-offs to loans | 0.4285% | 954 |
| Credit loss provision to net charge-offs | 94.9367% | 2,098 |
| Earnings coverage of net charge-offs (x) | 6.8797% | 2,705 |
| Efficiency ratio | 50.2972% | 6,157 |
| Assets per employee ($millions) | 4.3751% | 3,128 |
| Cash dividends to net income (ytd only)* | 26.3848% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 3,453 |
| Loan loss allowance to noncurrent loans | 111.0403% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1396% | 2,800 |
| Noncurrent loans to loans | 1.2429% | 2,742 |
| Net loans and leases to total assets | 81.3535% | 537 |
| Net loans and leases to deposits | 95.0834% | 873 |
| Net loans and leases to core deposits | 117.5880% | 435 |
| Total domestic deposits to total assets | 85.5602% | 3,262 |
| Equity capital to assets | 10.2897% | 3,709 |
| Core capital (leverage) ratio | 10.3858% | 3,097 |
| Tier 1 risk-based capital ratio | 11.5497% | 5,770 |
| Total risk-based capital ratio | 12.7995% | 5,725 |
| Memoranda: | ||
| Average total assets | $92,441,670 | 4,858 |
| Average earning assets | $88,411,330 | 4,770 |
| Average equity | $9,183,670 | 4,987 |
| Average total loans | $73,752,670 | 4,114 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 572 |
| Cost of funding earning assets | 0.8218% | 662 |
| Net interest margin | 4.3029% | 990 |
| Noninterest income to average assets | 0.3667% | 4,451 |
| Noninterest expense to average assets | 2.3036% | 5,186 |
| Loan and lease loss provision to assets | 0.2804% | 725 |
| Net operating income to assets | 1.4106% | 971 |
| Return on assets (ROA) | 1.4106% | 1,014 |
| Pretax return on assets | 1.8938% | 658 |
| Return on Equity (ROE) | 14.4554% | 867 |
| Retained earnings to average equity (ytd only) | 9.3717% | 1,141 |
| Net charge-offs to loans | 0.1045% | 2,133 |
| Credit loss provision to net charge-offs | 342.1053% | 723 |
| Earnings coverage of net charge-offs (x) | 26.5263% | 1,126 |
| Efficiency ratio | 51.4451% | 6,166 |
| Assets per employee ($millions) | 4.3785% | 3,184 |
| Cash dividends to net income (ytd only)* | 35.1682% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 3,271 |
| Loan loss allowance to noncurrent loans | 56.5262% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.5188% | 1,262 |
| Noncurrent loans to loans | 2.6055% | 1,319 |
| Net loans and leases to total assets | 80.0313% | 545 |
| Net loans and leases to deposits | 93.1836% | 859 |
| Net loans and leases to core deposits | 153.3818% | 88 |
| Total domestic deposits to total assets | 85.8857% | 3,425 |
| Equity capital to assets | 9.9577% | 3,895 |
| Core capital (leverage) ratio | 10.3790% | 3,080 |
| Tier 1 risk-based capital ratio | 11.2915% | 6,025 |
| Total risk-based capital ratio | 12.5427% | 5,970 |
| Memoranda: | ||
| Average total assets | $92,723,500 | 4,899 |
| Average earning assets | $88,591,000 | 4,808 |
| Average equity | $9,048,500 | 5,040 |
| Average total loans | $72,733,000 | 4,174 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 391 |
| Cost of funding earning assets | 0.8924% | 771 |
| Net interest margin | 4.5638% | 649 |
| Noninterest income to average assets | 0.4376% | 4,176 |
| Noninterest expense to average assets | 2.4369% | 4,966 |
| Loan and lease loss provision to assets | 0.3666% | 853 |
| Net operating income to assets | 1.2223% | 1,478 |
| Return on assets (ROA) | 1.2201% | 1,557 |
| Pretax return on assets | 1.9488% | 540 |
| Return on Equity (ROE) | 12.4637% | 1,291 |
| Retained earnings to average equity (ytd only) | 9.6433% | 636 |
| Net charge-offs to loans | 0.1151% | 3,661 |
| Credit loss provision to net charge-offs | 410.2564% | 555 |
| Earnings coverage of net charge-offs (x) | 25.9487% | 1,310 |
| Efficiency ratio | 51.2407% | 6,350 |
| Assets per employee ($millions) | 4.4523% | 2,986 |
| Cash dividends to net income (ytd only)* | 22.6291% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 3,250 |
| Loan loss allowance to noncurrent loans | 616.3743% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.7080% | 4,126 |
| Noncurrent loans to loans | 0.2416% | 5,455 |
| Net loans and leases to total assets | 74.5727% | 1,271 |
| Net loans and leases to deposits | 86.2430% | 1,651 |
| Net loans and leases to core deposits | 107.1210% | 733 |
| Total domestic deposits to total assets | 86.4682% | 3,012 |
| Equity capital to assets | 9.5628% | 4,330 |
| Core capital (leverage) ratio | 9.7337% | 3,933 |
| Tier 1 risk-based capital ratio | 11.3604% | 5,988 |
| Total risk-based capital ratio | 12.6109% | 5,916 |
| Memoranda: | ||
| Average total assets | $87,284,800 | 5,044 |
| Average earning assets | $82,585,400 | 4,964 |
| Average equity | $8,544,800 | 5,197 |
| Average total loans | $67,772,400 | 4,348 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5194% | 363 |
| Cost of funding earning assets | 0.9026% | 803 |
| Net interest margin | 4.6168% | 600 |
| Noninterest income to average assets | 0.4386% | 4,232 |
| Noninterest expense to average assets | 2.5148% | 4,670 |
| Loan and lease loss provision to assets | 0.3732% | 834 |
| Net operating income to assets | 1.2238% | 1,550 |
| Return on assets (ROA) | 1.2208% | 1,637 |
| Pretax return on assets | 1.9051% | 702 |
| Return on Equity (ROE) | 12.3925% | 1,373 |
| Retained earnings to average equity (ytd only) | 9.8982% | 812 |
| Net charge-offs to loans | 0.0139% | 4,857 |
| Credit loss provision to net charge-offs | 3,428.5714% | 100 |
| Earnings coverage of net charge-offs (x) | 209.7835% | 277 |
| Efficiency ratio | 52.4149% | 6,226 |
| Assets per employee ($millions) | 4.2892% | 3,248 |
| Cash dividends to net income (ytd only)* | 20.1273% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 3,558 |
| Loan loss allowance to noncurrent loans | 2,548.7805% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.8049% | 4,094 |
| Noncurrent loans to loans | 0.0579% | 6,172 |
| Net loans and leases to total assets | 77.4341% | 812 |
| Net loans and leases to deposits | 90.4045% | 1,122 |
| Net loans and leases to core deposits | 122.5843% | 284 |
| Total domestic deposits to total assets | 85.6529% | 3,426 |
| Equity capital to assets | 9.7076% | 4,293 |
| Core capital (leverage) ratio | 10.1135% | 3,507 |
| Tier 1 risk-based capital ratio | 11.3697% | 6,115 |
| Total risk-based capital ratio | 12.6208% | 6,085 |
| Memoranda: | ||
| Average total assets | $85,731,500 | 5,136 |
| Average earning assets | $80,949,500 | 5,058 |
| Average equity | $8,445,750 | 5,286 |
| Average total loans | $67,021,000 | 4,408 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 357 |
| Cost of funding earning assets | 0.9167% | 825 |
| Net interest margin | 4.6035% | 593 |
| Noninterest income to average assets | 0.4437% | 4,211 |
| Noninterest expense to average assets | 2.5912% | 4,422 |
| Loan and lease loss provision to assets | 0.4034% | 768 |
| Net operating income to assets | 1.2603% | 1,432 |
| Return on assets (ROA) | 1.2553% | 1,539 |
| Pretax return on assets | 1.7797% | 970 |
| Return on Equity (ROE) | 12.6762% | 1,321 |
| Retained earnings to average equity (ytd only) | 10.4477% | 754 |
| Net charge-offs to loans | 0.0304% | 4,263 |
| Credit loss provision to net charge-offs | 1,700.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 92.3000% | 500 |
| Efficiency ratio | 54.1935% | 6,135 |
| Assets per employee ($millions) | 3.9340% | 3,951 |
| Cash dividends to net income (ytd only)* | 17.5803% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 3,984 |
| Loan loss allowance to noncurrent loans | 558.6207% | 781 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 3,680 |
| Noncurrent loans to loans | 0.2524% | 5,678 |
| Net loans and leases to total assets | 82.2609% | 338 |
| Net loans and leases to deposits | 98.8840% | 491 |
| Net loans and leases to core deposits | 125.8011% | 227 |
| Total domestic deposits to total assets | 83.1893% | 4,629 |
| Equity capital to assets | 10.3820% | 3,450 |
| Core capital (leverage) ratio | 10.4730% | 2,917 |
| Tier 1 risk-based capital ratio | 11.6320% | 6,040 |
| Total risk-based capital ratio | 12.8821% | 5,989 |
| Memoranda: | ||
| Average total assets | $84,284,000 | 5,214 |
| Average earning assets | $79,417,000 | 5,134 |
| Average equity | $8,346,330 | 5,353 |
| Average total loans | $65,763,670 | 4,476 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 429 |
| Cost of funding earning assets | 0.9142% | 922 |
| Net interest margin | 4.4913% | 687 |
| Noninterest income to average assets | 0.4558% | 4,083 |
| Noninterest expense to average assets | 2.7021% | 4,049 |
| Loan and lease loss provision to assets | 0.4699% | 587 |
| Net operating income to assets | 1.1005% | 1,852 |
| Return on assets (ROA) | 1.0902% | 2,006 |
| Pretax return on assets | 1.4944% | 1,567 |
| Return on Equity (ROE) | 11.2745% | 1,627 |
| Retained earnings to average equity (ytd only) | 6.7550% | 2,280 |
| Net charge-offs to loans | -0.0312% | 5,909 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7309% | 5,884 |
| Assets per employee ($millions) | 3.9717% | 4,016 |
| Cash dividends to net income (ytd only)* | 40.0862% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 4,025 |
| Loan loss allowance to noncurrent loans | 55.3744% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 2.8056% | 1,614 |
| Noncurrent loans to loans | 2.6155% | 1,969 |
| Net loans and leases to total assets | 74.8124% | 982 |
| Net loans and leases to deposits | 87.9365% | 1,156 |
| Net loans and leases to core deposits | 110.7270% | 474 |
| Total domestic deposits to total assets | 85.0754% | 4,005 |
| Equity capital to assets | 9.9501% | 4,212 |
| Core capital (leverage) ratio | 10.1128% | 3,262 |
| Tier 1 risk-based capital ratio | 11.9512% | 5,944 |
| Total risk-based capital ratio | 13.2023% | 5,910 |
| Memoranda: | ||
| Average total assets | $85,119,000 | 5,227 |
| Average earning assets | $80,066,000 | 5,151 |
| Average equity | $8,231,000 | 5,426 |
| Average total loans | $64,180,000 | 4,562 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8756% | 325 |
| Cost of funding earning assets | 1.1795% | 633 |
| Net interest margin | 4.6961% | 656 |
| Noninterest income to average assets | 0.4556% | 4,213 |
| Noninterest expense to average assets | 2.5072% | 5,067 |
| Loan and lease loss provision to assets | 0.5574% | 1,020 |
| Net operating income to assets | 1.2792% | 1,370 |
| Return on assets (ROA) | 1.2809% | 1,512 |
| Pretax return on assets | 1.8371% | 858 |
| Return on Equity (ROE) | 13.2383% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.0743% | 2,031 |
| Net charge-offs to loans | 0.8042% | 1,452 |
| Credit loss provision to net charge-offs | 90.7298% | 3,448 |
| Earnings coverage of net charge-offs (x) | 3.8935% | 3,559 |
| Efficiency ratio | 51.1749% | 6,512 |
| Assets per employee ($millions) | 4.1349% | 3,676 |
| Cash dividends to net income (ytd only)* | 54.1154% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 4,886 |
| Loan loss allowance to noncurrent loans | 128.6846% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.5870% | 3,007 |
| Noncurrent loans to loans | 0.9701% | 4,254 |
| Net loans and leases to total assets | 73.9739% | 1,197 |
| Net loans and leases to deposits | 86.1240% | 1,500 |
| Net loans and leases to core deposits | 109.5603% | 553 |
| Total domestic deposits to total assets | 85.8923% | 3,405 |
| Equity capital to assets | 9.4009% | 4,997 |
| Core capital (leverage) ratio | 9.4445% | 4,190 |
| Tier 1 risk-based capital ratio | 11.3947% | 6,163 |
| Total risk-based capital ratio | 12.5297% | 6,194 |
| Memoranda: | ||
| Average total assets | $82,522,600 | 5,287 |
| Average earning assets | $78,085,600 | 5,179 |
| Average equity | $7,984,400 | 5,509 |
| Average total loans | $63,042,800 | 4,596 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9464% | 302 |
| Cost of funding earning assets | 1.2286% | 606 |
| Net interest margin | 4.7178% | 655 |
| Noninterest income to average assets | 0.4747% | 4,105 |
| Noninterest expense to average assets | 2.6095% | 4,705 |
| Loan and lease loss provision to assets | 0.4911% | 1,255 |
| Net operating income to assets | 1.3111% | 1,414 |
| Return on assets (ROA) | 1.3146% | 1,546 |
| Pretax return on assets | 1.8613% | 941 |
| Return on Equity (ROE) | 13.4846% | 1,224 |
| Retained earnings to average equity (ytd only) | 5.5249% | 3,019 |
| Net charge-offs to loans | 0.1641% | 3,813 |
| Credit loss provision to net charge-offs | 389.6104% | 694 |
| Earnings coverage of net charge-offs (x) | 18.6241% | 1,544 |
| Efficiency ratio | 52.6420% | 6,389 |
| Assets per employee ($millions) | 4.2451% | 3,375 |
| Cash dividends to net income (ytd only)* | 59.0282% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,285 |
| Loan loss allowance to noncurrent loans | 59.7790% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.3156% | 2,295 |
| Noncurrent loans to loans | 2.7811% | 2,024 |
| Net loans and leases to total assets | 75.3810% | 1,064 |
| Net loans and leases to deposits | 88.0282% | 1,346 |
| Net loans and leases to core deposits | 127.0396% | 221 |
| Total domestic deposits to total assets | 85.6328% | 3,449 |
| Equity capital to assets | 9.4379% | 5,279 |
| Core capital (leverage) ratio | 9.9426% | 3,628 |
| Tier 1 risk-based capital ratio | 11.0268% | 6,468 |
| Total risk-based capital ratio | 12.2802% | 6,443 |
| Memoranda: | ||
| Average total assets | $81,445,250 | 5,366 |
| Average earning assets | $77,378,500 | 5,259 |
| Average equity | $7,939,750 | 5,579 |
| Average total loans | $62,542,250 | 4,661 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9702% | 307 |
| Cost of funding earning assets | 1.2836% | 564 |
| Net interest margin | 4.6866% | 689 |
| Noninterest income to average assets | 0.4733% | 4,106 |
| Noninterest expense to average assets | 2.6403% | 4,646 |
| Loan and lease loss provision to assets | 0.4234% | 1,544 |
| Net operating income to assets | 1.3244% | 1,376 |
| Return on assets (ROA) | 1.3227% | 1,532 |
| Pretax return on assets | 1.8632% | 915 |
| Return on Equity (ROE) | 13.4170% | 1,254 |
| Retained earnings to average equity (ytd only) | 10.9408% | 758 |
| Net charge-offs to loans | 0.1167% | 4,003 |
| Credit loss provision to net charge-offs | 472.2222% | 639 |
| Earnings coverage of net charge-offs (x) | 25.5278% | 1,196 |
| Efficiency ratio | 53.5624% | 6,356 |
| Assets per employee ($millions) | 4.0059% | 3,856 |
| Cash dividends to net income (ytd only)* | 18.4557% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 3,739 |
| Loan loss allowance to noncurrent loans | 53.1016% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 2.5288% | 2,213 |
| Noncurrent loans to loans | 2.9386% | 2,036 |
| Net loans and leases to total assets | 78.1884% | 697 |
| Net loans and leases to deposits | 92.2604% | 921 |
| Net loans and leases to core deposits | 120.4002% | 303 |
| Total domestic deposits to total assets | 84.7475% | 3,978 |
| Equity capital to assets | 10.1363% | 4,141 |
| Core capital (leverage) ratio | 10.2062% | 3,135 |
| Tier 1 risk-based capital ratio | 11.6014% | 6,166 |
| Total risk-based capital ratio | 12.8530% | 6,148 |
| Memoranda: | ||
| Average total assets | $80,293,000 | 5,427 |
| Average earning assets | $76,346,000 | 5,316 |
| Average equity | $7,915,330 | 5,601 |
| Average total loans | $61,695,670 | 4,719 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1052% | 263 |
| Cost of funding earning assets | 1.3486% | 520 |
| Net interest margin | 4.7566% | 616 |
| Noninterest income to average assets | 0.4877% | 3,999 |
| Noninterest expense to average assets | 2.6424% | 4,655 |
| Loan and lease loss provision to assets | 0.4479% | 1,388 |
| Net operating income to assets | 1.3421% | 1,342 |
| Return on assets (ROA) | 1.3386% | 1,513 |
| Pretax return on assets | 1.9209% | 839 |
| Return on Equity (ROE) | 13.7728% | 1,234 |
| Retained earnings to average equity (ytd only) | 11.9808% | 824 |
| Net charge-offs to loans | 0.3359% | 2,314 |
| Credit loss provision to net charge-offs | 176.4706% | 1,451 |
| Earnings coverage of net charge-offs (x) | 9.3529% | 1,852 |
| Efficiency ratio | 52.6786% | 6,476 |
| Assets per employee ($millions) | 3.9766% | 4,068 |
| Cash dividends to net income (ytd only)* | 13.0112% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 4,214 |
| Loan loss allowance to noncurrent loans | 65.2142% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.9275% | 3,009 |
| Noncurrent loans to loans | 2.2845% | 2,815 |
| Net loans and leases to total assets | 74.6593% | 961 |
| Net loans and leases to deposits | 87.9518% | 1,173 |
| Net loans and leases to core deposits | 114.1907% | 423 |
| Total domestic deposits to total assets | 84.8866% | 4,089 |
| Equity capital to assets | 9.9671% | 4,164 |
| Core capital (leverage) ratio | 10.0307% | 3,330 |
| Tier 1 risk-based capital ratio | 11.9497% | 5,992 |
| Total risk-based capital ratio | 13.2004% | 5,991 |
| Memoranda: | ||
| Average total assets | $80,380,500 | 5,461 |
| Average earning assets | $76,525,500 | 5,343 |
| Average equity | $7,812,500 | 5,652 |
| Average total loans | $60,725,500 | 4,784 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0620% | 388 |
| Cost of funding earning assets | 1.6361% | 416 |
| Net interest margin | 4.4259% | 1,325 |
| Noninterest income to average assets | 0.5383% | 3,596 |
| Noninterest expense to average assets | 2.5493% | 5,299 |
| Loan and lease loss provision to assets | 0.7232% | 1,411 |
| Net operating income to assets | 1.0602% | 1,961 |
| Return on assets (ROA) | 1.0602% | 2,104 |
| Pretax return on assets | 1.4778% | 1,538 |
| Return on Equity (ROE) | 11.3698% | 1,595 |
| Retained earnings to average equity (ytd only) | 9.0230% | 792 |
| Net charge-offs to loans | 0.7378% | 2,303 |
| Credit loss provision to net charge-offs | 127.2124% | 2,440 |
| Earnings coverage of net charge-offs (x) | 3.8717% | 3,356 |
| Efficiency ratio | 53.6669% | 6,547 |
| Assets per employee ($millions) | 4.2752% | 3,313 |
| Cash dividends to net income (ytd only)* | 20.6406% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 4,445 |
| Loan loss allowance to noncurrent loans | 58.9286% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.9845% | 2,991 |
| Noncurrent loans to loans | 2.3801% | 2,750 |
| Net loans and leases to total assets | 74.2555% | 1,226 |
| Net loans and leases to deposits | 86.8020% | 1,564 |
| Net loans and leases to core deposits | 115.0934% | 463 |
| Total domestic deposits to total assets | 85.5458% | 3,569 |
| Equity capital to assets | 9.4769% | 4,920 |
| Core capital (leverage) ratio | 9.4176% | 4,158 |
| Tier 1 risk-based capital ratio | 11.2929% | 6,295 |
| Total risk-based capital ratio | 12.5435% | 6,274 |
| Memoranda: | ||
| Average total assets | $79,511,800 | 5,468 |
| Average earning assets | $75,668,000 | 5,356 |
| Average equity | $7,414,400 | 5,747 |
| Average total loans | $61,259,800 | 4,821 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0851% | 402 |
| Cost of funding earning assets | 1.6820% | 426 |
| Net interest margin | 4.4032% | 1,399 |
| Noninterest income to average assets | 0.5817% | 3,288 |
| Noninterest expense to average assets | 2.5795% | 5,154 |
| Loan and lease loss provision to assets | 0.7503% | 1,269 |
| Net operating income to assets | 1.0824% | 2,032 |
| Return on assets (ROA) | 1.0824% | 2,177 |
| Pretax return on assets | 1.4449% | 1,802 |
| Return on Equity (ROE) | 11.6563% | 1,631 |
| Retained earnings to average equity (ytd only) | 10.3671% | 751 |
| Net charge-offs to loans | 0.8725% | 1,825 |
| Credit loss provision to net charge-offs | 110.9726% | 2,961 |
| Earnings coverage of net charge-offs (x) | 3.2469% | 3,525 |
| Efficiency ratio | 54.0254% | 6,487 |
| Assets per employee ($millions) | 4.1794% | 3,487 |
| Cash dividends to net income (ytd only)* | 11.0587% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 5,379 |
| Loan loss allowance to noncurrent loans | 58.9124% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.0514% | 3,075 |
| Noncurrent loans to loans | 2.0763% | 3,268 |
| Net loans and leases to total assets | 79.3207% | 579 |
| Net loans and leases to deposits | 93.1044% | 911 |
| Net loans and leases to core deposits | 131.3954% | 232 |
| Total domestic deposits to total assets | 85.1954% | 3,680 |
| Equity capital to assets | 9.5759% | 4,971 |
| Core capital (leverage) ratio | 9.6366% | 3,938 |
| Tier 1 risk-based capital ratio | 11.2014% | 6,429 |
| Total risk-based capital ratio | 12.3559% | 6,464 |
| Memoranda: | ||
| Average total assets | $79,082,500 | 5,527 |
| Average earning assets | $75,307,250 | 5,408 |
| Average equity | $7,343,500 | 5,805 |
| Average total loans | $61,281,000 | 4,859 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9847% | 492 |
| Cost of funding earning assets | 1.7167% | 438 |
| Net interest margin | 4.2679% | 1,774 |
| Noninterest income to average assets | 0.5850% | 3,231 |
| Noninterest expense to average assets | 2.4970% | 5,550 |
| Loan and lease loss provision to assets | 0.5825% | 1,662 |
| Net operating income to assets | 1.1346% | 1,774 |
| Return on assets (ROA) | 1.1346% | 1,848 |
| Pretax return on assets | 1.5727% | 1,314 |
| Return on Equity (ROE) | 12.3473% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.9063% | 526 |
| Net charge-offs to loans | 0.2184% | 3,820 |
| Credit loss provision to net charge-offs | 348.4848% | 885 |
| Earnings coverage of net charge-offs (x) | 12.8939% | 1,593 |
| Efficiency ratio | 53.6745% | 6,648 |
| Assets per employee ($millions) | 4.1316% | 3,486 |
| Cash dividends to net income (ytd only)* | 3.5714% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,432 |
| Loan loss allowance to noncurrent loans | 63.2022% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.8140% | 3,486 |
| Noncurrent loans to loans | 2.2662% | 3,142 |
| Net loans and leases to total assets | 78.9006% | 662 |
| Net loans and leases to deposits | 92.4350% | 1,006 |
| Net loans and leases to core deposits | 128.0643% | 292 |
| Total domestic deposits to total assets | 85.3580% | 3,697 |
| Equity capital to assets | 9.5172% | 4,797 |
| Core capital (leverage) ratio | 9.6183% | 3,783 |
| Tier 1 risk-based capital ratio | 10.8278% | 6,637 |
| Total risk-based capital ratio | 12.0780% | 6,612 |
| Memoranda: | ||
| Average total assets | $78,974,000 | 5,577 |
| Average earning assets | $75,259,000 | 5,454 |
| Average equity | $7,256,670 | 5,852 |
| Average total loans | $60,452,330 | 4,938 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9386% | 547 |
| Cost of funding earning assets | 1.7529% | 440 |
| Net interest margin | 4.1857% | 1,945 |
| Noninterest income to average assets | 0.5605% | 3,429 |
| Noninterest expense to average assets | 2.4239% | 5,817 |
| Loan and lease loss provision to assets | 0.5555% | 1,558 |
| Net operating income to assets | 1.1059% | 1,822 |
| Return on assets (ROA) | 1.1059% | 1,872 |
| Pretax return on assets | 1.5604% | 1,279 |
| Return on Equity (ROE) | 12.2526% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.2526% | 699 |
| Net charge-offs to loans | 0.4522% | 2,341 |
| Credit loss provision to net charge-offs | 164.1791% | 1,763 |
| Earnings coverage of net charge-offs (x) | 6.2537% | 2,132 |
| Efficiency ratio | 53.3927% | 6,755 |
| Assets per employee ($millions) | 4.0384% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 5,021 |
| Loan loss allowance to noncurrent loans | 77.6670% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3072% | 4,356 |
| Noncurrent loans to loans | 1.7035% | 3,936 |
| Net loans and leases to total assets | 75.7188% | 1,068 |
| Net loans and leases to deposits | 88.7509% | 1,381 |
| Net loans and leases to core deposits | 149.4239% | 151 |
| Total domestic deposits to total assets | 85.3160% | 3,880 |
| Equity capital to assets | 9.4552% | 4,496 |
| Core capital (leverage) ratio | 9.3065% | 4,115 |
| Tier 1 risk-based capital ratio | 11.1053% | 6,430 |
| Total risk-based capital ratio | 12.3040% | 6,452 |
| Memoranda: | ||
| Average total assets | $79,211,000 | 5,611 |
| Average earning assets | $75,303,500 | 5,499 |
| Average equity | $7,149,500 | 5,884 |
| Average total loans | $59,260,000 | 5,037 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4149% | 370 |
| Cost of funding earning assets | 1.9788% | 652 |
| Net interest margin | 4.4361% | 1,385 |
| Noninterest income to average assets | 0.5699% | 3,676 |
| Noninterest expense to average assets | 2.5998% | 5,415 |
| Loan and lease loss provision to assets | 0.7073% | 2,318 |
| Net operating income to assets | 1.0834% | 1,746 |
| Return on assets (ROA) | 1.0824% | 1,846 |
| Pretax return on assets | 1.4681% | 1,458 |
| Return on Equity (ROE) | 12.2028% | 1,278 |
| Retained earnings to average equity (ytd only) | 12.2028% | 260 |
| Net charge-offs to loans | 0.9275% | 2,328 |
| Credit loss provision to net charge-offs | 96.0145% | 4,840 |
| Earnings coverage of net charge-offs (x) | 2.9547% | 3,593 |
| Efficiency ratio | 54.4286% | 6,762 |
| Assets per employee ($millions) | 4.2996% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 5,352 |
| Loan loss allowance to noncurrent loans | 66.1871% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 4,301 |
| Noncurrent loans to loans | 1.8645% | 3,734 |
| Net loans and leases to total assets | 72.1074% | 2,080 |
| Net loans and leases to deposits | 83.2876% | 2,568 |
| Net loans and leases to core deposits | 140.9943% | 223 |
| Total domestic deposits to total assets | 86.5764% | 3,045 |
| Equity capital to assets | 8.6226% | 5,691 |
| Core capital (leverage) ratio | 8.9403% | 4,636 |
| Tier 1 risk-based capital ratio | 10.5624% | 6,657 |
| Total risk-based capital ratio | 11.6733% | 6,724 |
| Memoranda: | ||
| Average total assets | $74,928,400 | 5,743 |
| Average earning assets | $71,053,600 | 5,630 |
| Average equity | $6,646,000 | 6,152 |
| Average total loans | $59,513,600 | 5,094 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5154% | 329 |
| Cost of funding earning assets | 2.0520% | 631 |
| Net interest margin | 4.4633% | 1,336 |
| Noninterest income to average assets | 0.4843% | 4,302 |
| Noninterest expense to average assets | 2.6070% | 5,299 |
| Loan and lease loss provision to assets | 0.5644% | 2,686 |
| Net operating income to assets | 1.1506% | 1,732 |
| Return on assets (ROA) | 1.1506% | 1,835 |
| Pretax return on assets | 1.5420% | 1,501 |
| Return on Equity (ROE) | 12.8718% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.8718% | 360 |
| Net charge-offs to loans | 0.8585% | 2,301 |
| Credit loss provision to net charge-offs | 80.9399% | 5,103 |
| Earnings coverage of net charge-offs (x) | 3.0209% | 3,623 |
| Efficiency ratio | 55.3109% | 6,647 |
| Assets per employee ($millions) | 4.0036% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,882 |
| Loan loss allowance to noncurrent loans | 69.1221% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.3028% | 4,539 |
| Noncurrent loans to loans | 1.6117% | 4,227 |
| Net loans and leases to total assets | 79.9337% | 761 |
| Net loans and leases to deposits | 94.4543% | 1,150 |
| Net loans and leases to core deposits | 138.8536% | 269 |
| Total domestic deposits to total assets | 84.6269% | 3,816 |
| Equity capital to assets | 9.0367% | 5,526 |
| Core capital (leverage) ratio | 9.0683% | 4,570 |
| Tier 1 risk-based capital ratio | 10.2481% | 6,932 |
| Total risk-based capital ratio | 11.2776% | 7,039 |
| Memoranda: | ||
| Average total assets | $73,237,500 | 5,849 |
| Average earning assets | $69,393,250 | 5,757 |
| Average equity | $6,546,500 | 6,264 |
| Average total loans | $59,481,500 | 5,169 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4481% | 376 |
| Cost of funding earning assets | 2.0665% | 740 |
| Net interest margin | 4.3815% | 1,502 |
| Noninterest income to average assets | 0.4897% | 4,199 |
| Noninterest expense to average assets | 2.6033% | 5,314 |
| Loan and lease loss provision to assets | 0.4841% | 2,886 |
| Net operating income to assets | 1.1813% | 1,608 |
| Return on assets (ROA) | 1.1813% | 1,677 |
| Pretax return on assets | 1.5492% | 1,437 |
| Return on Equity (ROE) | 13.2664% | 1,181 |
| Retained earnings to average equity (ytd only) | 13.2664% | 355 |
| Net charge-offs to loans | 0.8230% | 2,192 |
| Credit loss provision to net charge-offs | 72.3140% | 4,909 |
| Earnings coverage of net charge-offs (x) | 3.0372% | 3,483 |
| Efficiency ratio | 56.1456% | 6,619 |
| Assets per employee ($millions) | 3.8222% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 5,841 |
| Loan loss allowance to noncurrent loans | 32.1246% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 2.9633% | 2,408 |
| Noncurrent loans to loans | 3.4917% | 2,271 |
| Net loans and leases to total assets | 83.8754% | 368 |
| Net loans and leases to deposits | 99.5310% | 764 |
| Net loans and leases to core deposits | 155.4552% | 191 |
| Total domestic deposits to total assets | 84.2706% | 3,974 |
| Equity capital to assets | 9.1790% | 5,171 |
| Core capital (leverage) ratio | 9.0849% | 4,476 |
| Tier 1 risk-based capital ratio | 10.0411% | 6,999 |
| Total risk-based capital ratio | 11.0902% | 7,093 |
| Memoranda: | ||
| Average total assets | $72,294,000 | 5,909 |
| Average earning assets | $68,423,330 | 5,814 |
| Average equity | $6,437,330 | 6,320 |
| Average total loans | $58,812,330 | 5,236 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3362% | 495 |
| Cost of funding earning assets | 2.0748% | 874 |
| Net interest margin | 4.2614% | 1,817 |
| Noninterest income to average assets | 0.5656% | 3,518 |
| Noninterest expense to average assets | 2.6341% | 5,212 |
| Loan and lease loss provision to assets | 0.7209% | 1,768 |
| Net operating income to assets | 1.0315% | 2,063 |
| Return on assets (ROA) | 1.0315% | 2,122 |
| Pretax return on assets | 1.2311% | 2,260 |
| Return on Equity (ROE) | 11.7666% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.7666% | 787 |
| Net charge-offs to loans | 1.1216% | 1,502 |
| Credit loss provision to net charge-offs | 80.7453% | 3,861 |
| Earnings coverage of net charge-offs (x) | 2.1863% | 3,444 |
| Efficiency ratio | 57.4365% | 6,573 |
| Assets per employee ($millions) | 3.8094% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,202 |
| Loan loss allowance to noncurrent loans | 39.3089% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 2.8972% | 2,476 |
| Noncurrent loans to loans | 3.1835% | 2,509 |
| Net loans and leases to total assets | 79.3697% | 931 |
| Net loans and leases to deposits | 93.8247% | 1,368 |
| Net loans and leases to core deposits | 130.3658% | 485 |
| Total domestic deposits to total assets | 84.5936% | 3,854 |
| Equity capital to assets | 8.8700% | 5,446 |
| Core capital (leverage) ratio | 9.0592% | 4,457 |
| Tier 1 risk-based capital ratio | 10.0231% | 7,016 |
| Total risk-based capital ratio | 11.1681% | 7,071 |
| Memoranda: | ||
| Average total assets | $72,130,000 | 5,992 |
| Average earning assets | $68,053,500 | 5,907 |
| Average equity | $6,323,000 | 6,407 |
| Average total loans | $57,417,000 | 5,363 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5754% | 574 |
| Cost of funding earning assets | 2.5222% | 973 |
| Net interest margin | 4.0533% | 2,638 |
| Noninterest income to average assets | 0.5097% | 4,339 |
| Noninterest expense to average assets | 2.6331% | 5,658 |
| Loan and lease loss provision to assets | 0.3593% | 4,650 |
| Net operating income to assets | 0.9410% | 2,046 |
| Return on assets (ROA) | 0.9420% | 2,093 |
| Pretax return on assets | 1.3655% | 1,515 |
| Return on Equity (ROE) | 10.6545% | 1,509 |
| Retained earnings to average equity (ytd only) | 6.1945% | 1,277 |
| Net charge-offs to loans | 0.1426% | 5,809 |
| Credit loss provision to net charge-offs | 311.3924% | 1,053 |
| Earnings coverage of net charge-offs (x) | 14.9367% | 1,340 |
| Efficiency ratio | 60.4425% | 6,414 |
| Assets per employee ($millions) | 3.7832% | 4,313 |
| Cash dividends to net income (ytd only)* | 41.8605% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 4,533 |
| Loan loss allowance to noncurrent loans | 42.6404% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 2.8172% | 2,489 |
| Noncurrent loans to loans | 3.1416% | 2,441 |
| Net loans and leases to total assets | 77.7674% | 1,436 |
| Net loans and leases to deposits | 91.7341% | 1,928 |
| Net loans and leases to core deposits | 153.9733% | 430 |
| Total domestic deposits to total assets | 84.7748% | 3,668 |
| Equity capital to assets | 8.6615% | 5,640 |
| Core capital (leverage) ratio | 8.7160% | 4,897 |
| Tier 1 risk-based capital ratio | 9.8982% | 6,958 |
| Total risk-based capital ratio | 11.1125% | 6,955 |
| Memoranda: | ||
| Average total assets | $68,473,400 | 6,055 |
| Average earning assets | $64,984,200 | 5,958 |
| Average equity | $6,053,800 | 6,586 |
| Average total loans | $55,395,600 | 5,443 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6303% | 581 |
| Cost of funding earning assets | 2.6069% | 1,016 |
| Net interest margin | 4.0234% | 2,711 |
| Noninterest income to average assets | 0.4988% | 4,492 |
| Noninterest expense to average assets | 2.7446% | 5,127 |
| Loan and lease loss provision to assets | 0.2682% | 4,817 |
| Net operating income to assets | 0.9366% | 2,279 |
| Return on assets (ROA) | 0.9366% | 2,344 |
| Pretax return on assets | 1.3112% | 1,929 |
| Return on Equity (ROE) | 10.5365% | 1,753 |
| Retained earnings to average equity (ytd only) | 7.3866% | 1,359 |
| Net charge-offs to loans | 0.1840% | 4,917 |
| Credit loss provision to net charge-offs | 178.9474% | 2,568 |
| Earnings coverage of net charge-offs (x) | 10.5395% | 1,952 |
| Efficiency ratio | 63.4747% | 5,846 |
| Assets per employee ($millions) | 3.7004% | 4,425 |
| Cash dividends to net income (ytd only)* | 29.8948% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,564 |
| Loan loss allowance to noncurrent loans | 61.9410% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8433% | 3,591 |
| Noncurrent loans to loans | 1.8160% | 3,893 |
| Net loans and leases to total assets | 81.3905% | 919 |
| Net loans and leases to deposits | 96.7095% | 1,487 |
| Net loans and leases to core deposits | 171.8284% | 259 |
| Total domestic deposits to total assets | 84.1597% | 3,650 |
| Equity capital to assets | 8.7999% | 5,793 |
| Core capital (leverage) ratio | 10.7641% | 2,590 |
| Tier 1 risk-based capital ratio | 9.8259% | 7,109 |
| Total risk-based capital ratio | 10.8668% | 7,257 |
| Memoranda: | ||
| Average total assets | $67,621,500 | 6,121 |
| Average earning assets | $64,289,000 | 6,025 |
| Average equity | $6,010,750 | 6,660 |
| Average total loans | $55,079,750 | 5,510 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5281% | 775 |
| Cost of funding earning assets | 2.6912% | 1,054 |
| Net interest margin | 3.8369% | 3,381 |
| Noninterest income to average assets | 0.4346% | 4,988 |
| Noninterest expense to average assets | 2.6616% | 5,516 |
| Loan and lease loss provision to assets | 0.1349% | 5,729 |
| Net operating income to assets | 0.9270% | 2,355 |
| Return on assets (ROA) | 0.9292% | 2,437 |
| Pretax return on assets | 1.2948% | 2,039 |
| Return on Equity (ROE) | 10.4167% | 1,878 |
| Retained earnings to average equity (ytd only) | 7.4933% | 1,391 |
| Net charge-offs to loans | -0.0222% | 7,716 |
| Credit loss provision to net charge-offs | -750.0000% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1026% | 5,698 |
| Assets per employee ($millions) | 3.5895% | 4,598 |
| Cash dividends to net income (ytd only)* | 28.0645% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,370 |
| Loan loss allowance to noncurrent loans | 59.7765% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.5748% | 3,862 |
| Noncurrent loans to loans | 1.8973% | 3,673 |
| Net loans and leases to total assets | 82.0587% | 946 |
| Net loans and leases to deposits | 97.7657% | 1,558 |
| Net loans and leases to core deposits | 170.7365% | 314 |
| Total domestic deposits to total assets | 83.9340% | 3,807 |
| Equity capital to assets | 8.8944% | 5,462 |
| Core capital (leverage) ratio | 9.1669% | 4,353 |
| Tier 1 risk-based capital ratio | 9.9783% | 6,949 |
| Total risk-based capital ratio | 11.0398% | 7,093 |
| Memoranda: | ||
| Average total assets | $66,726,000 | 6,197 |
| Average earning assets | $63,540,330 | 6,093 |
| Average equity | $5,952,000 | 6,739 |
| Average total loans | $54,148,000 | 5,597 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5048% | 857 |
| Cost of funding earning assets | 2.8315% | 905 |
| Net interest margin | 3.6733% | 4,003 |
| Noninterest income to average assets | 0.3879% | 5,315 |
| Noninterest expense to average assets | 2.5641% | 5,592 |
| Loan and lease loss provision to assets | 0.0606% | 6,197 |
| Net operating income to assets | 0.8826% | 2,778 |
| Return on assets (ROA) | 0.8911% | 2,882 |
| Pretax return on assets | 1.2669% | 2,389 |
| Return on Equity (ROE) | 9.9746% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.5818% | 2,386 |
| Net charge-offs to loans | -0.0302% | 7,556 |
| Credit loss provision to net charge-offs | -250.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0938% | 5,311 |
| Assets per employee ($millions) | 3.4327% | 4,986 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,192 |
| Loan loss allowance to noncurrent loans | 54.0179% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7172% | 3,347 |
| Noncurrent loans to loans | 2.1086% | 3,107 |
| Net loans and leases to total assets | 80.5127% | 1,293 |
| Net loans and leases to deposits | 96.3011% | 1,899 |
| Net loans and leases to core deposits | 149.4068% | 730 |
| Total domestic deposits to total assets | 83.6052% | 3,876 |
| Equity capital to assets | 9.1028% | 5,223 |
| Core capital (leverage) ratio | 9.2714% | 4,286 |
| Tier 1 risk-based capital ratio | 10.3950% | 6,499 |
| Total risk-based capital ratio | 11.4595% | 6,618 |
| Memoranda: | ||
| Average total assets | $65,989,000 | 6,251 |
| Average earning assets | $62,722,500 | 6,148 |
| Average equity | $5,895,000 | 6,814 |
| Average total loans | $52,919,000 | 5,672 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3587% | 533 |
| Cost of funding earning assets | 3.4260% | 666 |
| Net interest margin | 3.9327% | 3,434 |
| Noninterest income to average assets | 0.4964% | 4,641 |
| Noninterest expense to average assets | 2.7919% | 4,856 |
| Loan and lease loss provision to assets | 0.4947% | 2,843 |
| Net operating income to assets | 0.6839% | 3,965 |
| Return on assets (ROA) | 0.6778% | 3,832 |
| Pretax return on assets | 0.9136% | 3,679 |
| Return on Equity (ROE) | 7.6742% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.6120% | 2,257 |
| Net charge-offs to loans | 0.6679% | 1,850 |
| Credit loss provision to net charge-offs | 92.5926% | 5,611 |
| Earnings coverage of net charge-offs (x) | 2.6512% | 4,757 |
| Efficiency ratio | 66.3401% | 5,054 |
| Assets per employee ($millions) | 3.7087% | 4,154 |
| Cash dividends to net income (ytd only)* | 39.9027% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 5,121 |
| Loan loss allowance to noncurrent loans | 52.5801% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6837% | 2,887 |
| Noncurrent loans to loans | 2.1320% | 2,592 |
| Net loans and leases to total assets | 78.0904% | 2,114 |
| Net loans and leases to deposits | 92.8439% | 2,985 |
| Net loans and leases to core deposits | 141.5192% | 1,185 |
| Total domestic deposits to total assets | 84.1093% | 3,269 |
| Equity capital to assets | 8.7678% | 5,707 |
| Core capital (leverage) ratio | 8.9370% | 4,836 |
| Tier 1 risk-based capital ratio | 10.1382% | 6,587 |
| Total risk-based capital ratio | 11.1691% | 6,710 |
| Memoranda: | ||
| Average total assets | $60,640,000 | 6,364 |
| Average earning assets | $57,238,600 | 6,290 |
| Average equity | $5,355,600 | 7,028 |
| Average total loans | $48,507,800 | 5,757 |