Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 4,413 |
| Cost of funding earning assets | 0.1382% | 4,470 |
| Net interest margin | 3.3049% | 2,622 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.0544% | 3,506 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9015% | 2,541 |
| Return on assets (ROA) | 0.8782% | 2,582 |
| Pretax return on assets | 1.1262% | 2,328 |
| Return on Equity (ROE) | 7.8700% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.8652% | 1,585 |
| Net charge-offs to loans | 0.0285% | 1,733 |
| Credit loss provision to net charge-offs | 1,200.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 728.0000% | 195 |
| Efficiency ratio | 63.6121% | 2,654 |
| Assets per employee ($millions) | 7.6788% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6550% | 14 |
| Loan loss allowance to noncurrent loans | 5,685.7143% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,707 |
| Noncurrent loans to loans | 0.1874% | 2,577 |
| Net loans and leases to total assets | 5.0100% | 4,461 |
| Net loans and leases to deposits | 5.6367% | 4,464 |
| Net loans and leases to core deposits | 5.9142% | 4,483 |
| Total domestic deposits to total assets | 88.9700% | 1,073 |
| Equity capital to assets | 10.8341% | 1,568 |
| Core capital (leverage) ratio | 11.4670% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.2621% | 106 |
| Memoranda: | ||
| Average total assets | $185,843,600 | 3,085 |
| Average earning assets | $166,417,200 | 3,127 |
| Average equity | $20,749,600 | 2,793 |
| Average total loans | $10,519,200 | 4,408 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 4,421 |
| Cost of funding earning assets | 0.1310% | 4,494 |
| Net interest margin | 3.2564% | 2,789 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.0571% | 3,448 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8866% | 2,731 |
| Return on assets (ROA) | 0.8129% | 2,974 |
| Pretax return on assets | 0.9964% | 2,870 |
| Return on Equity (ROE) | 7.2200% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.2219% | 2,219 |
| Net charge-offs to loans | 0.0129% | 1,933 |
| Credit loss provision to net charge-offs | 2,700.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 1,513.0000% | 99 |
| Efficiency ratio | 65.0335% | 2,384 |
| Assets per employee ($millions) | 6.7037% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4581% | 13 |
| Loan loss allowance to noncurrent loans | 5,395.4545% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,727 |
| Noncurrent loans to loans | 0.1938% | 2,584 |
| Net loans and leases to total assets | 5.6100% | 4,487 |
| Net loans and leases to deposits | 6.3694% | 4,490 |
| Net loans and leases to core deposits | 6.7295% | 4,473 |
| Total domestic deposits to total assets | 88.1500% | 1,516 |
| Equity capital to assets | 11.6630% | 1,134 |
| Core capital (leverage) ratio | 12.0069% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.8240% | 111 |
| Memoranda: | ||
| Average total assets | $182,392,500 | 3,114 |
| Average earning assets | $161,810,000 | 3,167 |
| Average equity | $20,529,500 | 2,801 |
| Average total loans | $10,347,500 | 4,434 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3642% | 4,434 |
| Cost of funding earning assets | 0.1182% | 4,502 |
| Net interest margin | 3.2460% | 2,874 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.0464% | 3,470 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8601% | 2,888 |
| Return on assets (ROA) | 0.7875% | 3,127 |
| Pretax return on assets | 0.9975% | 2,913 |
| Return on Equity (ROE) | 7.0800% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.0810% | 2,256 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.8527% | 2,390 |
| Assets per employee ($millions) | 6.2509% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4355% | 16 |
| Loan loss allowance to noncurrent loans | 5,895.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,732 |
| Noncurrent loans to loans | 0.1940% | 2,495 |
| Net loans and leases to total assets | 5.2200% | 4,518 |
| Net loans and leases to deposits | 5.9308% | 4,519 |
| Net loans and leases to core deposits | 6.2790% | 4,505 |
| Total domestic deposits to total assets | 87.9700% | 1,613 |
| Equity capital to assets | 11.8372% | 1,092 |
| Core capital (leverage) ratio | 11.6134% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.7240% | 107 |
| Memoranda: | ||
| Average total assets | $182,856,667 | 3,114 |
| Average earning assets | $162,417,667 | 3,173 |
| Average equity | $20,336,000 | 2,829 |
| Average total loans | $10,013,333 | 4,466 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2639% | 4,462 |
| Cost of funding earning assets | 0.1065% | 4,523 |
| Net interest margin | 3.1573% | 3,214 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.0303% | 3,557 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7988% | 3,193 |
| Return on assets (ROA) | 0.6296% | 3,590 |
| Pretax return on assets | 0.7967% | 3,471 |
| Return on Equity (ROE) | 5.8400% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.8377% | 2,811 |
| Net charge-offs to loans | 0.0405% | 957 |
| Credit loss provision to net charge-offs | 900.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 481.0000% | 238 |
| Efficiency ratio | 66.3401% | 2,171 |
| Assets per employee ($millions) | 6.3371% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7334% | 9 |
| Loan loss allowance to noncurrent loans | 2,487.2340% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,523 |
| Noncurrent loans to loans | 0.4717% | 1,537 |
| Net loans and leases to total assets | 4.9600% | 4,592 |
| Net loans and leases to deposits | 5.6053% | 4,595 |
| Net loans and leases to core deposits | 5.9389% | 4,579 |
| Total domestic deposits to total assets | 88.4200% | 1,769 |
| Equity capital to assets | 11.4360% | 1,175 |
| Core capital (leverage) ratio | 10.8565% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.8789% | 106 |
| Memoranda: | ||
| Average total assets | $186,773,000 | 3,124 |
| Average earning assets | $165,203,500 | 3,188 |
| Average equity | $20,145,000 | 2,877 |
| Average total loans | $9,865,000 | 4,535 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0346% | 4,092 |
| Cost of funding earning assets | 0.0528% | 4,572 |
| Net interest margin | 2.9818% | 3,497 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.8449% | 3,940 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7744% | 3,412 |
| Return on assets (ROA) | 0.8268% | 3,157 |
| Pretax return on assets | 1.0118% | 3,044 |
| Return on Equity (ROE) | 8.2000% | 3,331 |
| Retained earnings to average equity (ytd only) | 8.1974% | 1,755 |
| Net charge-offs to loans | 0.2199% | 369 |
| Credit loss provision to net charge-offs | 171.4286% | 1,212 |
| Earnings coverage of net charge-offs (x) | 87.1429% | 1,041 |
| Efficiency ratio | 65.6144% | 2,279 |
| Assets per employee ($millions) | 7.2632% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8870% | 8 |
| Loan loss allowance to noncurrent loans | 2,369.3878% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,586 |
| Noncurrent loans to loans | 0.5017% | 1,445 |
| Net loans and leases to total assets | 4.3900% | 4,623 |
| Net loans and leases to deposits | 4.8925% | 4,625 |
| Net loans and leases to core deposits | 5.1499% | 4,609 |
| Total domestic deposits to total assets | 89.7000% | 1,484 |
| Equity capital to assets | 10.1975% | 1,612 |
| Core capital (leverage) ratio | 9.9303% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3690% | 119 |
| Memoranda: | ||
| Average total assets | $189,275,800 | 3,107 |
| Average earning assets | $161,075,600 | 3,233 |
| Average equity | $19,091,400 | 3,028 |
| Average total loans | $9,548,000 | 4,570 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8713% | 4,092 |
| Cost of funding earning assets | 0.0445% | 4,599 |
| Net interest margin | 2.8269% | 3,673 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.8439% | 3,891 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6921% | 3,587 |
| Return on assets (ROA) | 0.6909% | 3,549 |
| Pretax return on assets | 0.8146% | 3,543 |
| Return on Equity (ROE) | 6.8700% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.8698% | 2,418 |
| Net charge-offs to loans | 0.2247% | 306 |
| Credit loss provision to net charge-offs | 168.7500% | 1,068 |
| Earnings coverage of net charge-offs (x) | 73.4375% | 1,087 |
| Efficiency ratio | 68.8246% | 1,910 |
| Assets per employee ($millions) | 7.4896% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2967% | 5 |
| Loan loss allowance to noncurrent loans | 3,305.7143% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,783 |
| Noncurrent loans to loans | 0.3720% | 1,903 |
| Net loans and leases to total assets | 4.0800% | 4,670 |
| Net loans and leases to deposits | 4.5194% | 4,671 |
| Net loans and leases to core deposits | 4.6024% | 4,654 |
| Total domestic deposits to total assets | 90.2900% | 1,533 |
| Equity capital to assets | 9.5960% | 1,831 |
| Core capital (leverage) ratio | 9.8938% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.3751% | 127 |
| Memoranda: | ||
| Average total assets | $187,568,250 | 3,148 |
| Average earning assets | $158,900,750 | 3,279 |
| Average equity | $18,864,750 | 3,084 |
| Average total loans | $9,493,250 | 4,604 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8026% | 3,971 |
| Cost of funding earning assets | 0.0452% | 4,619 |
| Net interest margin | 2.7573% | 3,558 |
| Noninterest income to average assets | 0.3000% | 3,361 |
| Noninterest expense to average assets | 1.8830% | 3,747 |
| Loan and lease loss provision to assets | 0.0197% | 2,246 |
| Net operating income to assets | 0.6139% | 3,592 |
| Return on assets (ROA) | 0.5605% | 3,684 |
| Pretax return on assets | 0.6700% | 3,654 |
| Return on Equity (ROE) | 5.4804% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.4804% | 2,525 |
| Net charge-offs to loans | 0.2101% | 308 |
| Credit loss provision to net charge-offs | 180.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 68.8000% | 1,012 |
| Efficiency ratio | 71.4286% | 1,780 |
| Assets per employee ($millions) | 6.6793% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1576% | 6 |
| Loan loss allowance to noncurrent loans | 2,814.6341% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,785 |
| Noncurrent loans to loans | 0.4319% | 1,828 |
| Net loans and leases to total assets | 4.4583% | 4,730 |
| Net loans and leases to deposits | 4.9688% | 4,733 |
| Net loans and leases to core deposits | 5.0682% | 4,723 |
| Total domestic deposits to total assets | 89.7268% | 1,834 |
| Equity capital to assets | 10.1299% | 1,640 |
| Core capital (leverage) ratio | 10.1802% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.3699% | 85 |
| Memoranda: | ||
| Average total assets | $182,684,333 | 3,220 |
| Average earning assets | $154,787,000 | 3,352 |
| Average equity | $18,684,667 | 3,172 |
| Average total loans | $9,521,333 | 4,666 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7373% | 3,870 |
| Cost of funding earning assets | 0.0471% | 4,621 |
| Net interest margin | 2.6901% | 3,430 |
| Noninterest income to average assets | 0.2593% | 3,583 |
| Noninterest expense to average assets | 1.8990% | 3,685 |
| Loan and lease loss provision to assets | 0.0199% | 1,996 |
| Net operating income to assets | 0.5180% | 3,661 |
| Return on assets (ROA) | 0.5385% | 3,564 |
| Pretax return on assets | 0.6404% | 3,534 |
| Return on Equity (ROE) | 5.2386% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.2386% | 2,500 |
| Net charge-offs to loans | 0.3356% | 194 |
| Credit loss provision to net charge-offs | 112.5000% | 959 |
| Earnings coverage of net charge-offs (x) | 35.8750% | 1,055 |
| Efficiency ratio | 74.9126% | 1,644 |
| Assets per employee ($millions) | 6.4847% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2008% | 6 |
| Loan loss allowance to noncurrent loans | 2,730.9524% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,814 |
| Noncurrent loans to loans | 0.4468% | 1,909 |
| Net loans and leases to total assets | 4.5459% | 4,758 |
| Net loans and leases to deposits | 5.0754% | 4,759 |
| Net loans and leases to core deposits | 5.1803% | 4,748 |
| Total domestic deposits to total assets | 89.5672% | 1,783 |
| Equity capital to assets | 10.2858% | 1,696 |
| Core capital (leverage) ratio | 10.1144% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.3682% | 85 |
| Memoranda: | ||
| Average total assets | $180,516,000 | 3,250 |
| Average earning assets | $152,706,000 | 3,382 |
| Average equity | $18,554,500 | 3,278 |
| Average total loans | $9,536,000 | 4,689 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9539% | 3,956 |
| Cost of funding earning assets | 0.0519% | 4,681 |
| Net interest margin | 2.9020% | 3,434 |
| Noninterest income to average assets | 0.2868% | 3,675 |
| Noninterest expense to average assets | 1.9361% | 3,846 |
| Loan and lease loss provision to assets | 0.0207% | 2,652 |
| Net operating income to assets | 0.6282% | 3,815 |
| Return on assets (ROA) | 0.7383% | 3,582 |
| Pretax return on assets | 0.9150% | 3,472 |
| Return on Equity (ROE) | 7.1997% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.1997% | 1,841 |
| Net charge-offs to loans | -0.0892% | 4,551 |
| Credit loss provision to net charge-offs | -450.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7640% | 1,649 |
| Assets per employee ($millions) | 5.9820% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8499% | 7 |
| Loan loss allowance to noncurrent loans | 2,546.6667% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,877 |
| Noncurrent loans to loans | 0.4653% | 1,967 |
| Net loans and leases to total assets | 4.7503% | 4,800 |
| Net loans and leases to deposits | 5.2995% | 4,803 |
| Net loans and leases to core deposits | 5.4103% | 4,791 |
| Total domestic deposits to total assets | 89.6367% | 1,148 |
| Equity capital to assets | 10.2713% | 2,403 |
| Core capital (leverage) ratio | 10.2563% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.6998% | 91 |
| Memoranda: | ||
| Average total assets | $173,652,200 | 3,264 |
| Average earning assets | $146,554,400 | 3,409 |
| Average equity | $17,806,200 | 3,405 |
| Average total loans | $8,964,800 | 4,744 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0143% | 3,975 |
| Cost of funding earning assets | 0.0532% | 4,763 |
| Net interest margin | 2.9611% | 3,415 |
| Noninterest income to average assets | 0.2888% | 3,727 |
| Noninterest expense to average assets | 1.9729% | 3,755 |
| Loan and lease loss provision to assets | 0.0209% | 2,573 |
| Net operating income to assets | 0.6282% | 3,955 |
| Return on assets (ROA) | 0.7224% | 3,779 |
| Pretax return on assets | 0.9144% | 3,663 |
| Return on Equity (ROE) | 7.0482% | 3,654 |
| Retained earnings to average equity (ytd only) | 7.0482% | 2,398 |
| Net charge-offs to loans | -0.1062% | 4,636 |
| Credit loss provision to net charge-offs | -385.7143% | 3,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7385% | 1,522 |
| Assets per employee ($millions) | 6.6573% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.0377% | 9 |
| Loan loss allowance to noncurrent loans | 2,318.3673% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,991 |
| Noncurrent loans to loans | 0.4761% | 2,131 |
| Net loans and leases to total assets | 5.0938% | 4,869 |
| Net loans and leases to deposits | 5.6715% | 4,873 |
| Net loans and leases to core deposits | 5.7896% | 4,864 |
| Total domestic deposits to total assets | 89.8146% | 858 |
| Equity capital to assets | 10.0608% | 2,839 |
| Core capital (leverage) ratio | 10.3808% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5898% | 103 |
| Memoranda: | ||
| Average total assets | $172,200,000 | 3,305 |
| Average earning assets | $145,390,500 | 3,458 |
| Average equity | $17,649,500 | 3,459 |
| Average total loans | $8,788,250 | 4,815 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1127% | 3,836 |
| Cost of funding earning assets | 0.0545% | 4,805 |
| Net interest margin | 3.0582% | 3,154 |
| Noninterest income to average assets | 0.2982% | 3,646 |
| Noninterest expense to average assets | 2.0049% | 3,683 |
| Loan and lease loss provision to assets | 0.0212% | 2,546 |
| Net operating income to assets | 0.6947% | 3,775 |
| Return on assets (ROA) | 0.8310% | 3,491 |
| Pretax return on assets | 1.0184% | 3,403 |
| Return on Equity (ROE) | 8.0550% | 3,396 |
| Retained earnings to average equity (ytd only) | 8.0550% | 2,054 |
| Net charge-offs to loans | -0.0724% | 4,515 |
| Credit loss provision to net charge-offs | -600.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6560% | 1,688 |
| Assets per employee ($millions) | 6.5897% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.5710% | 5 |
| Loan loss allowance to noncurrent loans | 2,159.6154% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,048 |
| Noncurrent loans to loans | 0.6284% | 1,838 |
| Net loans and leases to total assets | 4.1743% | 4,910 |
| Net loans and leases to deposits | 4.6700% | 4,914 |
| Net loans and leases to core deposits | 4.7726% | 4,903 |
| Total domestic deposits to total assets | 89.3856% | 1,089 |
| Equity capital to assets | 10.4218% | 2,466 |
| Core capital (leverage) ratio | 10.2517% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3984% | 95 |
| Memoranda: | ||
| Average total assets | $169,684,333 | 3,343 |
| Average earning assets | $143,155,667 | 3,484 |
| Average equity | $17,504,667 | 3,472 |
| Average total loans | $8,287,000 | 4,858 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9765% | 4,138 |
| Cost of funding earning assets | 0.0556% | 4,842 |
| Net interest margin | 2.9209% | 3,464 |
| Noninterest income to average assets | 0.2985% | 3,622 |
| Noninterest expense to average assets | 2.0348% | 3,608 |
| Loan and lease loss provision to assets | 0.0213% | 2,502 |
| Net operating income to assets | 0.6258% | 3,874 |
| Return on assets (ROA) | 0.8433% | 3,372 |
| Pretax return on assets | 0.9878% | 3,408 |
| Return on Equity (ROE) | 8.2174% | 3,264 |
| Retained earnings to average equity (ytd only) | 8.2174% | 2,171 |
| Net charge-offs to loans | -0.0965% | 4,628 |
| Credit loss provision to net charge-offs | -450.0000% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9822% | 1,407 |
| Assets per employee ($millions) | 6.3494% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2975% | 6 |
| Loan loss allowance to noncurrent loans | 1,987.5000% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,129 |
| Noncurrent loans to loans | 0.6691% | 1,907 |
| Net loans and leases to total assets | 4.2331% | 4,937 |
| Net loans and leases to deposits | 4.7278% | 4,942 |
| Net loans and leases to core deposits | 4.8226% | 4,930 |
| Total domestic deposits to total assets | 89.5364% | 1,052 |
| Equity capital to assets | 10.2122% | 2,510 |
| Core capital (leverage) ratio | 10.2089% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5853% | 102 |
| Memoranda: | ||
| Average total assets | $168,860,000 | 3,351 |
| Average earning assets | $143,928,000 | 3,474 |
| Average equity | $17,329,000 | 3,484 |
| Average total loans | $8,293,000 | 4,883 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 4,391 |
| Cost of funding earning assets | 0.0868% | 4,893 |
| Net interest margin | 3.1671% | 3,444 |
| Noninterest income to average assets | 0.2793% | 3,808 |
| Noninterest expense to average assets | 2.0832% | 3,971 |
| Loan and lease loss provision to assets | 0.0220% | 4,122 |
| Net operating income to assets | 0.7650% | 3,221 |
| Return on assets (ROA) | 0.7378% | 3,428 |
| Pretax return on assets | 0.9071% | 3,347 |
| Return on Equity (ROE) | 7.2864% | 3,082 |
| Retained earnings to average equity (ytd only) | 4.2680% | 2,670 |
| Net charge-offs to loans | 0.3106% | 570 |
| Credit loss provision to net charge-offs | 138.4615% | 2,495 |
| Earnings coverage of net charge-offs (x) | 60.5769% | 1,067 |
| Efficiency ratio | 68.3925% | 2,180 |
| Assets per employee ($millions) | 6.3957% | 2,006 |
| Cash dividends to net income (ytd only)* | 41.4250% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.4129% | 4 |
| Loan loss allowance to noncurrent loans | 1,867.7966% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 4,181 |
| Noncurrent loans to loans | 0.7181% | 1,902 |
| Net loans and leases to total assets | 4.2781% | 4,961 |
| Net loans and leases to deposits | 4.7759% | 4,965 |
| Net loans and leases to core deposits | 4.8747% | 4,956 |
| Total domestic deposits to total assets | 89.5771% | 740 |
| Equity capital to assets | 10.3141% | 2,816 |
| Core capital (leverage) ratio | 10.1909% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.1584% | 100 |
| Memoranda: | ||
| Average total assets | $163,596,000 | 3,254 |
| Average earning assets | $142,906,600 | 3,349 |
| Average equity | $16,565,000 | 3,498 |
| Average total loans | $8,371,000 | 4,909 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2800% | 4,500 |
| Cost of funding earning assets | 0.0940% | 4,929 |
| Net interest margin | 3.1860% | 3,525 |
| Noninterest income to average assets | 0.2823% | 3,794 |
| Noninterest expense to average assets | 2.1171% | 3,901 |
| Loan and lease loss provision to assets | 0.0221% | 4,053 |
| Net operating income to assets | 0.7685% | 3,216 |
| Return on assets (ROA) | 0.6678% | 3,677 |
| Pretax return on assets | 0.8208% | 3,592 |
| Return on Equity (ROE) | 6.6265% | 3,332 |
| Retained earnings to average equity (ytd only) | 2.5661% | 3,700 |
| Net charge-offs to loans | 0.3805% | 416 |
| Credit loss provision to net charge-offs | 112.5000% | 2,532 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 1,202 |
| Efficiency ratio | 68.6389% | 2,093 |
| Assets per employee ($millions) | 6.2513% | 2,045 |
| Cash dividends to net income (ytd only)* | 61.2745% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1572% | 9 |
| Loan loss allowance to noncurrent loans | 1,710.9375% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,265 |
| Noncurrent loans to loans | 0.7106% | 2,017 |
| Net loans and leases to total assets | 4.6876% | 4,993 |
| Net loans and leases to deposits | 5.2183% | 4,999 |
| Net loans and leases to core deposits | 5.3243% | 4,990 |
| Total domestic deposits to total assets | 89.8297% | 486 |
| Equity capital to assets | 9.9298% | 3,288 |
| Core capital (leverage) ratio | 10.1550% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0233% | 119 |
| Memoranda: | ||
| Average total assets | $162,923,250 | 3,243 |
| Average earning assets | $143,291,000 | 3,327 |
| Average equity | $16,418,500 | 3,515 |
| Average total loans | $8,409,750 | 4,942 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3423% | 4,599 |
| Cost of funding earning assets | 0.1005% | 4,969 |
| Net interest margin | 3.2418% | 3,550 |
| Noninterest income to average assets | 0.2833% | 3,768 |
| Noninterest expense to average assets | 2.1768% | 3,861 |
| Loan and lease loss provision to assets | 0.0224% | 3,966 |
| Net operating income to assets | 0.8162% | 2,985 |
| Return on assets (ROA) | 0.6722% | 3,597 |
| Pretax return on assets | 0.7977% | 3,591 |
| Return on Equity (ROE) | 6.6361% | 3,275 |
| Retained earnings to average equity (ytd only) | 0.5029% | 4,211 |
| Net charge-offs to loans | 0.6333% | 252 |
| Credit loss provision to net charge-offs | 69.2308% | 2,555 |
| Earnings coverage of net charge-offs (x) | 30.6923% | 1,416 |
| Efficiency ratio | 68.7059% | 2,139 |
| Assets per employee ($millions) | 5.7409% | 2,416 |
| Cash dividends to net income (ytd only)* | 92.4214% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7698% | 11 |
| Loan loss allowance to noncurrent loans | 1,642.4242% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 4,334 |
| Noncurrent loans to loans | 0.7166% | 2,086 |
| Net loans and leases to total assets | 5.0552% | 5,027 |
| Net loans and leases to deposits | 5.6453% | 5,031 |
| Net loans and leases to core deposits | 5.7660% | 5,020 |
| Total domestic deposits to total assets | 89.5486% | 550 |
| Equity capital to assets | 10.2554% | 2,962 |
| Core capital (leverage) ratio | 10.1925% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.9573% | 119 |
| Memoranda: | ||
| Average total assets | $160,969,333 | 3,241 |
| Average earning assets | $143,253,000 | 3,306 |
| Average equity | $16,304,667 | 3,524 |
| Average total loans | $8,210,667 | 4,981 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 4,834 |
| Cost of funding earning assets | 0.1128% | 5,027 |
| Net interest margin | 3.1541% | 3,969 |
| Noninterest income to average assets | 0.2980% | 3,734 |
| Noninterest expense to average assets | 2.2250% | 3,947 |
| Loan and lease loss provision to assets | 0.0223% | 3,525 |
| Net operating income to assets | 0.5805% | 3,659 |
| Return on assets (ROA) | 0.1018% | 4,649 |
| Pretax return on assets | 0.2905% | 4,469 |
| Return on Equity (ROE) | 1.0114% | 4,627 |
| Retained earnings to average equity (ytd only) | -11.3232% | 4,806 |
| Net charge-offs to loans | 0.4669% | 313 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 41.1111% | 1,016 |
| Efficiency ratio | 70.7741% | 2,249 |
| Assets per employee ($millions) | 5.6307% | 1,993 |
| Cash dividends to net income (ytd only)* | 1,219.5122% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1947% | 4 |
| Loan loss allowance to noncurrent loans | 1,582.6087% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 4,397 |
| Noncurrent loans to loans | 0.8969% | 1,818 |
| Net loans and leases to total assets | 4.0425% | 5,075 |
| Net loans and leases to deposits | 4.4902% | 5,079 |
| Net loans and leases to core deposits | 4.5843% | 5,068 |
| Total domestic deposits to total assets | 90.0293% | 313 |
| Equity capital to assets | 9.7894% | 3,966 |
| Core capital (leverage) ratio | 9.8000% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.4215% | 108 |
| Memoranda: | ||
| Average total assets | $161,082,000 | 3,203 |
| Average earning assets | $145,333,000 | 3,232 |
| Average equity | $16,214,500 | 3,543 |
| Average total loans | $7,711,000 | 5,035 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5568% | 4,815 |
| Cost of funding earning assets | 0.1241% | 5,077 |
| Net interest margin | 3.4326% | 3,643 |
| Noninterest income to average assets | 0.3159% | 3,806 |
| Noninterest expense to average assets | 2.3409% | 3,845 |
| Loan and lease loss provision to assets | 0.0237% | 3,547 |
| Net operating income to assets | 0.7616% | 3,666 |
| Return on assets (ROA) | 0.8193% | 3,584 |
| Pretax return on assets | 1.0819% | 3,228 |
| Return on Equity (ROE) | 7.8008% | 3,249 |
| Retained earnings to average equity (ytd only) | 4.6679% | 2,607 |
| Net charge-offs to loans | 0.7026% | 238 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 29.0556% | 1,612 |
| Efficiency ratio | 69.3913% | 2,266 |
| Assets per employee ($millions) | 5.2958% | 2,254 |
| Cash dividends to net income (ytd only)* | 40.1606% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1286% | 3 |
| Loan loss allowance to noncurrent loans | 1,495.8904% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 4,408 |
| Noncurrent loans to loans | 0.9445% | 1,622 |
| Net loans and leases to total assets | 4.1775% | 5,137 |
| Net loans and leases to deposits | 4.6658% | 5,142 |
| Net loans and leases to core deposits | 4.7668% | 5,133 |
| Total domestic deposits to total assets | 89.5339% | 480 |
| Equity capital to assets | 10.3503% | 3,588 |
| Core capital (leverage) ratio | 10.5999% | 2,858 |
| Tier 1 risk-based capital ratio | 44.1687% | 187 |
| Total risk-based capital ratio | 45.4392% | 185 |
| Memoranda: | ||
| Average total assets | $151,952,000 | 3,270 |
| Average earning assets | $135,347,600 | 3,344 |
| Average equity | $15,960,000 | 3,547 |
| Average total loans | $7,686,000 | 5,094 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 4,842 |
| Cost of funding earning assets | 0.1268% | 5,150 |
| Net interest margin | 3.5190% | 3,509 |
| Noninterest income to average assets | 0.3115% | 3,881 |
| Noninterest expense to average assets | 2.3804% | 3,742 |
| Loan and lease loss provision to assets | 0.0240% | 3,418 |
| Net operating income to assets | 0.8228% | 3,599 |
| Return on assets (ROA) | 0.8228% | 3,683 |
| Pretax return on assets | 1.0358% | 3,485 |
| Return on Equity (ROE) | 7.8033% | 3,386 |
| Retained earnings to average equity (ytd only) | 3.5944% | 3,603 |
| Net charge-offs to loans | 0.5906% | 273 |
| Credit loss provision to net charge-offs | 79.4118% | 2,512 |
| Earnings coverage of net charge-offs (x) | 35.1193% | 1,477 |
| Efficiency ratio | 69.1950% | 2,225 |
| Assets per employee ($millions) | 5.4283% | 2,100 |
| Cash dividends to net income (ytd only)* | 53.9374% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1031% | 2 |
| Loan loss allowance to noncurrent loans | 1,432.4675% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 4,471 |
| Noncurrent loans to loans | 0.9845% | 1,627 |
| Net loans and leases to total assets | 4.2676% | 5,216 |
| Net loans and leases to deposits | 4.7681% | 5,219 |
| Net loans and leases to core deposits | 4.9532% | 5,210 |
| Total domestic deposits to total assets | 89.5020% | 445 |
| Equity capital to assets | 10.3119% | 3,703 |
| Core capital (leverage) ratio | 10.1809% | 3,445 |
| Tier 1 risk-based capital ratio | 45.2136% | 177 |
| Total risk-based capital ratio | 46.9670% | 170 |
| Memoranda: | ||
| Average total assets | $150,221,250 | 3,329 |
| Average earning assets | $133,556,750 | 3,407 |
| Average equity | $15,839,000 | 3,593 |
| Average total loans | $7,675,250 | 5,174 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 4,840 |
| Cost of funding earning assets | 0.1268% | 5,197 |
| Net interest margin | 3.5620% | 3,392 |
| Noninterest income to average assets | 0.3085% | 3,868 |
| Noninterest expense to average assets | 2.4300% | 3,656 |
| Loan and lease loss provision to assets | 0.0244% | 3,319 |
| Net operating income to assets | 0.7969% | 3,666 |
| Return on assets (ROA) | 0.7969% | 3,724 |
| Pretax return on assets | 1.0080% | 3,520 |
| Return on Equity (ROE) | 7.4995% | 3,496 |
| Retained earnings to average equity (ytd only) | 1.1332% | 4,401 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1837% | 2,199 |
| Assets per employee ($millions) | 4.9697% | 2,515 |
| Cash dividends to net income (ytd only)* | 84.8896% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.8754% | 2 |
| Loan loss allowance to noncurrent loans | 596.8254% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,116 |
| Noncurrent loans to loans | 2.4924% | 479 |
| Net loans and leases to total assets | 4.3295% | 5,265 |
| Net loans and leases to deposits | 4.8568% | 5,268 |
| Net loans and leases to core deposits | 5.0570% | 5,259 |
| Total domestic deposits to total assets | 89.1443% | 608 |
| Equity capital to assets | 10.6652% | 3,368 |
| Core capital (leverage) ratio | 10.1721% | 3,414 |
| Tier 1 risk-based capital ratio | 45.1553% | 173 |
| Total risk-based capital ratio | 46.9270% | 167 |
| Memoranda: | ||
| Average total assets | $147,821,670 | 3,378 |
| Average earning assets | $130,881,670 | 3,462 |
| Average equity | $15,707,670 | 3,611 |
| Average total loans | $7,626,670 | 5,221 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 4,887 |
| Cost of funding earning assets | 0.1232% | 5,254 |
| Net interest margin | 3.5457% | 3,443 |
| Noninterest income to average assets | 0.3044% | 3,844 |
| Noninterest expense to average assets | 2.4622% | 3,601 |
| Loan and lease loss provision to assets | 0.0245% | 3,110 |
| Net operating income to assets | 0.7474% | 3,779 |
| Return on assets (ROA) | 0.7474% | 3,827 |
| Pretax return on assets | 0.9457% | 3,628 |
| Return on Equity (ROE) | 7.0463% | 3,662 |
| Retained earnings to average equity (ytd only) | -5.7652% | 4,964 |
| Net charge-offs to loans | 0.1046% | 1,114 |
| Credit loss provision to net charge-offs | 450.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 178.5000% | 430 |
| Efficiency ratio | 71.7340% | 2,074 |
| Assets per employee ($millions) | 4.7182% | 2,893 |
| Cash dividends to net income (ytd only)* | 181.8182% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.6684% | 3 |
| Loan loss allowance to noncurrent loans | 591.0053% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 4,148 |
| Noncurrent loans to loans | 2.4819% | 532 |
| Net loans and leases to total assets | 4.4426% | 5,326 |
| Net loans and leases to deposits | 4.9809% | 5,328 |
| Net loans and leases to core deposits | 5.1902% | 5,318 |
| Total domestic deposits to total assets | 89.1936% | 773 |
| Equity capital to assets | 10.6129% | 3,243 |
| Core capital (leverage) ratio | 10.2433% | 3,340 |
| Tier 1 risk-based capital ratio | 45.9860% | 161 |
| Total risk-based capital ratio | 47.6711% | 158 |
| Memoranda: | ||
| Average total assets | $147,186,500 | 3,422 |
| Average earning assets | $129,848,500 | 3,517 |
| Average equity | $15,611,000 | 3,630 |
| Average total loans | $7,648,500 | 5,282 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5826% | 4,817 |
| Cost of funding earning assets | 0.0976% | 5,291 |
| Net interest margin | 3.4850% | 3,752 |
| Noninterest income to average assets | 0.3123% | 4,029 |
| Noninterest expense to average assets | 2.3987% | 3,883 |
| Loan and lease loss provision to assets | 0.0281% | 3,612 |
| Net operating income to assets | 0.7951% | 3,824 |
| Return on assets (ROA) | 0.7951% | 3,827 |
| Pretax return on assets | 0.9897% | 3,643 |
| Return on Equity (ROE) | 7.7710% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.5032% | 3,050 |
| Net charge-offs to loans | -0.0393% | 4,891 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2094% | 2,146 |
| Assets per employee ($millions) | 4.7777% | 2,773 |
| Cash dividends to net income (ytd only)* | 42.0521% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.4494% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 4.4373% | 5,369 |
| Net loans and leases to deposits | 4.9707% | 5,372 |
| Net loans and leases to core deposits | 5.1769% | 5,363 |
| Total domestic deposits to total assets | 89.2686% | 751 |
| Equity capital to assets | 10.5997% | 3,079 |
| Core capital (leverage) ratio | 10.1244% | 3,430 |
| Tier 1 risk-based capital ratio | 46.3841% | 161 |
| Total risk-based capital ratio | 47.9842% | 152 |
| Memoranda: | ||
| Average total assets | $149,539,000 | 3,391 |
| Average earning assets | $133,200,200 | 3,449 |
| Average equity | $15,300,400 | 3,601 |
| Average total loans | $7,628,600 | 5,331 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5442% | 4,886 |
| Cost of funding earning assets | 0.0944% | 5,364 |
| Net interest margin | 3.4498% | 3,862 |
| Noninterest income to average assets | 0.2953% | 4,172 |
| Noninterest expense to average assets | 2.3918% | 3,872 |
| Loan and lease loss provision to assets | 0.0294% | 3,428 |
| Net operating income to assets | 0.7605% | 4,043 |
| Return on assets (ROA) | 0.7605% | 4,051 |
| Pretax return on assets | 0.9624% | 3,843 |
| Return on Equity (ROE) | 7.4994% | 3,752 |
| Retained earnings to average equity (ytd only) | 3.1138% | 4,194 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6887% | 2,090 |
| Assets per employee ($millions) | 5.1180% | 2,314 |
| Cash dividends to net income (ytd only)* | 58.4796% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.4778% | 2 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 4.3700% | 5,444 |
| Net loans and leases to deposits | 4.8871% | 5,446 |
| Net loans and leases to core deposits | 5.0890% | 5,436 |
| Total domestic deposits to total assets | 89.4187% | 699 |
| Equity capital to assets | 10.4324% | 3,203 |
| Core capital (leverage) ratio | 10.2576% | 3,344 |
| Tier 1 risk-based capital ratio | 46.5777% | 166 |
| Total risk-based capital ratio | 48.3917% | 156 |
| Memoranda: | ||
| Average total assets | $149,896,750 | 3,423 |
| Average earning assets | $134,186,750 | 3,474 |
| Average equity | $15,200,750 | 3,635 |
| Average total loans | $7,615,250 | 5,399 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5251% | 4,887 |
| Cost of funding earning assets | 0.0934% | 5,419 |
| Net interest margin | 3.4317% | 3,853 |
| Noninterest income to average assets | 0.2886% | 4,255 |
| Noninterest expense to average assets | 2.3858% | 3,935 |
| Loan and lease loss provision to assets | 0.0319% | 3,274 |
| Net operating income to assets | 0.7487% | 4,035 |
| Return on assets (ROA) | 0.7487% | 4,038 |
| Pretax return on assets | 0.9482% | 3,815 |
| Return on Equity (ROE) | 7.4538% | 3,745 |
| Retained earnings to average equity (ytd only) | 0.8341% | 4,794 |
| Net charge-offs to loans | -0.1049% | 5,178 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8811% | 2,180 |
| Assets per employee ($millions) | 5.1607% | 2,232 |
| Cash dividends to net income (ytd only)* | 88.8099% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.2913% | 2 |
| Loan loss allowance to noncurrent loans | 7,807.1429% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 4,999 |
| Noncurrent loans to loans | 0.1831% | 4,083 |
| Net loans and leases to total assets | 4.3800% | 5,506 |
| Net loans and leases to deposits | 4.8798% | 5,510 |
| Net loans and leases to core deposits | 5.0789% | 5,500 |
| Total domestic deposits to total assets | 89.7560% | 646 |
| Equity capital to assets | 10.1203% | 3,517 |
| Core capital (leverage) ratio | 10.1945% | 3,366 |
| Tier 1 risk-based capital ratio | 45.3628% | 171 |
| Total risk-based capital ratio | 47.0940% | 164 |
| Memoranda: | ||
| Average total assets | $150,388,330 | 3,431 |
| Average earning assets | $134,861,000 | 3,492 |
| Average equity | $15,106,330 | 3,668 |
| Average total loans | $7,625,670 | 5,462 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 4,746 |
| Cost of funding earning assets | 0.0946% | 5,473 |
| Net interest margin | 3.4860% | 3,583 |
| Noninterest income to average assets | 0.3104% | 4,085 |
| Noninterest expense to average assets | 2.4066% | 3,925 |
| Loan and lease loss provision to assets | 0.0318% | 3,087 |
| Net operating income to assets | 0.7907% | 3,744 |
| Return on assets (ROA) | 0.7907% | 3,748 |
| Pretax return on assets | 1.0003% | 3,531 |
| Return on Equity (ROE) | 7.9011% | 3,418 |
| Retained earnings to average equity (ytd only) | -5.3558% | 5,216 |
| Net charge-offs to loans | -0.1051% | 5,216 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9846% | 2,485 |
| Assets per employee ($millions) | 5.1114% | 2,351 |
| Cash dividends to net income (ytd only)* | 167.7852% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1657% | 2 |
| Loan loss allowance to noncurrent loans | 107,900.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 4,986 |
| Noncurrent loans to loans | 0.0131% | 4,940 |
| Net loans and leases to total assets | 4.4107% | 5,568 |
| Net loans and leases to deposits | 4.9135% | 5,574 |
| Net loans and leases to core deposits | 5.1159% | 5,564 |
| Total domestic deposits to total assets | 89.7654% | 753 |
| Equity capital to assets | 10.0828% | 3,518 |
| Core capital (leverage) ratio | 9.4507% | 4,124 |
| Tier 1 risk-based capital ratio | 45.4752% | 167 |
| Total risk-based capital ratio | 47.3293% | 159 |
| Memoranda: | ||
| Average total assets | $150,753,000 | 3,460 |
| Average earning assets | $135,285,500 | 3,518 |
| Average equity | $15,086,500 | 3,697 |
| Average total loans | $7,614,500 | 5,525 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6007% | 4,576 |
| Cost of funding earning assets | 0.0976% | 5,505 |
| Net interest margin | 3.5030% | 3,518 |
| Noninterest income to average assets | 0.4686% | 3,201 |
| Noninterest expense to average assets | 2.6168% | 3,390 |
| Loan and lease loss provision to assets | 0.0169% | 3,958 |
| Net operating income to assets | 0.5411% | 4,256 |
| Return on assets (ROA) | 0.5411% | 4,290 |
| Pretax return on assets | 0.9400% | 3,781 |
| Return on Equity (ROE) | 5.1750% | 4,095 |
| Retained earnings to average equity (ytd only) | 1.8102% | 4,233 |
| Net charge-offs to loans | 0.1082% | 1,987 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 444 |
| Efficiency ratio | 73.2231% | 2,028 |
| Assets per employee ($millions) | 5.4741% | 1,963 |
| Cash dividends to net income (ytd only)* | 65.0195% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.9911% | 3 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 4,638 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 4.2714% | 5,636 |
| Net loans and leases to deposits | 4.7472% | 5,639 |
| Net loans and leases to core deposits | 4.9355% | 5,629 |
| Total domestic deposits to total assets | 89.9787% | 575 |
| Equity capital to assets | 9.9345% | 3,776 |
| Core capital (leverage) ratio | 9.5246% | 4,011 |
| Tier 1 risk-based capital ratio | 45.5888% | 152 |
| Total risk-based capital ratio | 47.5760% | 145 |
| Memoranda: | ||
| Average total assets | $142,122,800 | 3,583 |
| Average earning assets | $125,977,200 | 3,651 |
| Average equity | $14,860,000 | 3,735 |
| Average total loans | $7,393,400 | 5,590 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 4,510 |
| Cost of funding earning assets | 0.0961% | 5,568 |
| Net interest margin | 3.5255% | 3,406 |
| Noninterest income to average assets | 0.4880% | 3,095 |
| Noninterest expense to average assets | 2.6851% | 3,107 |
| Loan and lease loss provision to assets | 0.0115% | 3,912 |
| Net operating income to assets | 0.6067% | 4,365 |
| Return on assets (ROA) | 0.6067% | 4,407 |
| Pretax return on assets | 0.9167% | 3,984 |
| Return on Equity (ROE) | 5.7238% | 4,236 |
| Retained earnings to average equity (ytd only) | 1.2098% | 4,919 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3114% | 1,847 |
| Assets per employee ($millions) | 5.2043% | 2,224 |
| Cash dividends to net income (ytd only)* | 78.8646% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1978% | 1 |
| Loan loss allowance to noncurrent loans | 15,157.1429% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 4,733 |
| Noncurrent loans to loans | 0.0937% | 4,693 |
| Net loans and leases to total assets | 4.1069% | 5,700 |
| Net loans and leases to deposits | 4.5495% | 5,704 |
| Net loans and leases to core deposits | 4.7260% | 5,694 |
| Total domestic deposits to total assets | 90.2708% | 387 |
| Equity capital to assets | 9.5960% | 4,351 |
| Core capital (leverage) ratio | 10.6808% | 2,786 |
| Tier 1 risk-based capital ratio | 47.3008% | 145 |
| Total risk-based capital ratio | 49.2270% | 138 |
| Memoranda: | ||
| Average total assets | $139,335,000 | 3,657 |
| Average earning assets | $123,517,750 | 3,720 |
| Average equity | $14,768,250 | 3,783 |
| Average total loans | $7,338,750 | 5,653 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 3,938 |
| Cost of funding earning assets | 0.1003% | 5,595 |
| Net interest margin | 3.6863% | 2,700 |
| Noninterest income to average assets | 0.4905% | 3,085 |
| Noninterest expense to average assets | 2.7890% | 2,804 |
| Loan and lease loss provision to assets | 0.0135% | 3,683 |
| Net operating income to assets | 0.6161% | 4,231 |
| Return on assets (ROA) | 0.6161% | 4,276 |
| Pretax return on assets | 0.9302% | 3,829 |
| Return on Equity (ROE) | 5.6066% | 4,224 |
| Retained earnings to average equity (ytd only) | -1.1975% | 5,257 |
| Net charge-offs to loans | 0.0548% | 2,146 |
| Credit loss provision to net charge-offs | 450.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 315.5000% | 268 |
| Efficiency ratio | 74.7196% | 1,895 |
| Assets per employee ($millions) | 4.6932% | 2,801 |
| Cash dividends to net income (ytd only)* | 121.3592% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1422% | 2 |
| Loan loss allowance to noncurrent loans | 26,400.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,746 |
| Noncurrent loans to loans | 0.0536% | 4,919 |
| Net loans and leases to total assets | 4.7104% | 5,750 |
| Net loans and leases to deposits | 5.2918% | 5,753 |
| Net loans and leases to core deposits | 5.5321% | 5,743 |
| Total domestic deposits to total assets | 89.0134% | 946 |
| Equity capital to assets | 10.8433% | 2,976 |
| Core capital (leverage) ratio | 10.5096% | 2,901 |
| Tier 1 risk-based capital ratio | 47.4010% | 140 |
| Total risk-based capital ratio | 49.3380% | 137 |
| Memoranda: | ||
| Average total assets | $133,737,330 | 3,755 |
| Average earning assets | $117,623,670 | 3,844 |
| Average equity | $14,697,000 | 3,797 |
| Average total loans | $7,294,000 | 5,703 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 3,838 |
| Cost of funding earning assets | 0.0991% | 5,650 |
| Net interest margin | 3.6787% | 2,567 |
| Noninterest income to average assets | 0.4979% | 2,992 |
| Noninterest expense to average assets | 2.8879% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5703% | 4,278 |
| Return on assets (ROA) | 0.5703% | 4,325 |
| Pretax return on assets | 0.8600% | 3,897 |
| Return on Equity (ROE) | 5.1546% | 4,321 |
| Retained earnings to average equity (ytd only) | -8.4819% | 5,544 |
| Net charge-offs to loans | 0.2220% | 804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 714 |
| Efficiency ratio | 77.0531% | 1,747 |
| Assets per employee ($millions) | 4.7355% | 2,785 |
| Cash dividends to net income (ytd only)* | 264.5503% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.3229% | 2 |
| Loan loss allowance to noncurrent loans | 14,928.5714% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 4,787 |
| Noncurrent loans to loans | 0.0959% | 4,806 |
| Net loans and leases to total assets | 4.7144% | 5,820 |
| Net loans and leases to deposits | 5.3052% | 5,820 |
| Net loans and leases to core deposits | 5.5532% | 5,810 |
| Total domestic deposits to total assets | 88.8637% | 1,219 |
| Equity capital to assets | 10.9576% | 2,677 |
| Core capital (leverage) ratio | 10.7559% | 2,635 |
| Tier 1 risk-based capital ratio | 47.3326% | 151 |
| Total risk-based capital ratio | 49.2638% | 145 |
| Memoranda: | ||
| Average total assets | $132,555,000 | 3,804 |
| Average earning assets | $117,105,000 | 3,892 |
| Average equity | $14,666,500 | 3,819 |
| Average total loans | $7,207,500 | 5,770 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9859% | 3,242 |
| Cost of funding earning assets | 0.1028% | 5,692 |
| Net interest margin | 3.8832% | 2,017 |
| Noninterest income to average assets | 0.5204% | 3,097 |
| Noninterest expense to average assets | 2.7507% | 3,187 |
| Loan and lease loss provision to assets | 0.0226% | 3,920 |
| Net operating income to assets | 0.7775% | 3,415 |
| Return on assets (ROA) | 0.7775% | 3,520 |
| Pretax return on assets | 1.1279% | 2,978 |
| Return on Equity (ROE) | 7.2334% | 3,350 |
| Retained earnings to average equity (ytd only) | 3.7356% | 3,261 |
| Net charge-offs to loans | 0.1303% | 1,939 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 425 |
| Efficiency ratio | 70.5089% | 2,825 |
| Assets per employee ($millions) | 4.7328% | 2,738 |
| Cash dividends to net income (ytd only)* | 48.3559% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.7352% | 2 |
| Loan loss allowance to noncurrent loans | 11,655.5556% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 4,415 |
| Noncurrent loans to loans | 0.1264% | 4,732 |
| Net loans and leases to total assets | 4.5805% | 5,877 |
| Net loans and leases to deposits | 5.1617% | 5,878 |
| Net loans and leases to core deposits | 5.4033% | 5,868 |
| Total domestic deposits to total assets | 88.7418% | 1,241 |
| Equity capital to assets | 11.1714% | 2,453 |
| Core capital (leverage) ratio | 10.7496% | 2,593 |
| Tier 1 risk-based capital ratio | 49.4579% | 137 |
| Total risk-based capital ratio | 51.3205% | 133 |
| Memoranda: | ||
| Average total assets | $132,984,800 | 3,785 |
| Average earning assets | $115,782,200 | 3,901 |
| Average equity | $14,294,800 | 3,908 |
| Average total loans | $7,671,800 | 5,819 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,090 |
| Cost of funding earning assets | 0.1031% | 5,755 |
| Net interest margin | 3.9327% | 1,869 |
| Noninterest income to average assets | 0.5259% | 3,071 |
| Noninterest expense to average assets | 2.7607% | 3,144 |
| Loan and lease loss provision to assets | 0.0301% | 3,636 |
| Net operating income to assets | 0.7503% | 3,605 |
| Return on assets (ROA) | 0.7503% | 3,733 |
| Pretax return on assets | 1.1349% | 3,096 |
| Return on Equity (ROE) | 7.0488% | 3,540 |
| Retained earnings to average equity (ytd only) | 2.3433% | 4,513 |
| Net charge-offs to loans | 0.0512% | 2,638 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 387.6575% | 231 |
| Efficiency ratio | 70.3241% | 2,843 |
| Assets per employee ($millions) | 4.7174% | 2,717 |
| Cash dividends to net income (ytd only)* | 66.7558% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.7178% | 1 |
| Loan loss allowance to noncurrent loans | 1,508.5714% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 4,471 |
| Noncurrent loans to loans | 0.9756% | 2,290 |
| Net loans and leases to total assets | 4.6326% | 5,944 |
| Net loans and leases to deposits | 5.2119% | 5,946 |
| Net loans and leases to core deposits | 5.3844% | 5,935 |
| Total domestic deposits to total assets | 88.8845% | 971 |
| Equity capital to assets | 10.9595% | 3,059 |
| Core capital (leverage) ratio | 10.6119% | 2,858 |
| Tier 1 risk-based capital ratio | 48.4332% | 146 |
| Total risk-based capital ratio | 50.1952% | 141 |
| Memoranda: | ||
| Average total assets | $133,101,750 | 3,805 |
| Average earning assets | $115,067,750 | 3,936 |
| Average equity | $14,167,500 | 3,958 |
| Average total loans | $7,810,000 | 5,882 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 2,929 |
| Cost of funding earning assets | 0.1046% | 5,835 |
| Net interest margin | 3.9789% | 1,705 |
| Noninterest income to average assets | 0.4961% | 3,223 |
| Noninterest expense to average assets | 2.7263% | 3,286 |
| Loan and lease loss provision to assets | 0.0450% | 3,255 |
| Net operating income to assets | 0.7569% | 3,521 |
| Return on assets (ROA) | 0.7569% | 3,669 |
| Pretax return on assets | 1.1451% | 3,008 |
| Return on Equity (ROE) | 7.1811% | 3,438 |
| Retained earnings to average equity (ytd only) | 0.0711% | 5,271 |
| Net charge-offs to loans | 0.0997% | 1,837 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 198.5000% | 330 |
| Efficiency ratio | 69.6135% | 3,043 |
| Assets per employee ($millions) | 4.7085% | 2,698 |
| Cash dividends to net income (ytd only)* | 99.0099% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7908% | 1 |
| Loan loss allowance to noncurrent loans | 1,507.1429% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 4,525 |
| Noncurrent loans to loans | 0.9150% | 2,447 |
| Net loans and leases to total assets | 5.0024% | 6,021 |
| Net loans and leases to deposits | 5.6129% | 6,025 |
| Net loans and leases to core deposits | 5.7984% | 6,014 |
| Total domestic deposits to total assets | 89.1237% | 867 |
| Equity capital to assets | 10.7413% | 3,352 |
| Core capital (leverage) ratio | 10.3784% | 3,102 |
| Tier 1 risk-based capital ratio | 47.9288% | 151 |
| Total risk-based capital ratio | 49.5283% | 145 |
| Memoranda: | ||
| Average total assets | $133,440,330 | 3,821 |
| Average earning assets | $114,706,330 | 3,965 |
| Average equity | $14,064,670 | 3,990 |
| Average total loans | $8,021,670 | 5,949 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 2,753 |
| Cost of funding earning assets | 0.1082% | 5,881 |
| Net interest margin | 4.0162% | 1,567 |
| Noninterest income to average assets | 0.5214% | 2,977 |
| Noninterest expense to average assets | 2.9261% | 2,615 |
| Loan and lease loss provision to assets | 0.0894% | 2,188 |
| Net operating income to assets | 0.6168% | 4,108 |
| Return on assets (ROA) | 0.6168% | 4,224 |
| Pretax return on assets | 0.9356% | 3,708 |
| Return on Equity (ROE) | 5.9073% | 4,034 |
| Retained earnings to average equity (ytd only) | -8.3616% | 5,763 |
| Net charge-offs to loans | -0.2437% | 5,891 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0573% | 2,466 |
| Assets per employee ($millions) | 4.8816% | 2,478 |
| Cash dividends to net income (ytd only)* | 241.5459% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2338% | 1 |
| Loan loss allowance to noncurrent loans | 629.5858% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 4,707 |
| Noncurrent loans to loans | 2.1020% | 997 |
| Net loans and leases to total assets | 5.2927% | 6,083 |
| Net loans and leases to deposits | 5.9253% | 6,086 |
| Net loans and leases to core deposits | 6.1477% | 6,075 |
| Total domestic deposits to total assets | 89.3250% | 932 |
| Equity capital to assets | 10.5089% | 3,480 |
| Core capital (leverage) ratio | 10.0264% | 3,508 |
| Tier 1 risk-based capital ratio | 47.4519% | 146 |
| Total risk-based capital ratio | 49.0319% | 146 |
| Memoranda: | ||
| Average total assets | $134,242,000 | 3,828 |
| Average earning assets | $114,636,500 | 3,997 |
| Average equity | $14,016,500 | 4,001 |
| Average total loans | $8,207,500 | 6,001 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 2,816 |
| Cost of funding earning assets | 0.1165% | 5,897 |
| Net interest margin | 4.0130% | 1,674 |
| Noninterest income to average assets | 0.5057% | 3,284 |
| Noninterest expense to average assets | 2.6439% | 3,774 |
| Loan and lease loss provision to assets | 0.0883% | 2,531 |
| Net operating income to assets | 0.8818% | 2,972 |
| Return on assets (ROA) | 0.8818% | 3,056 |
| Pretax return on assets | 1.1468% | 2,857 |
| Return on Equity (ROE) | 8.7754% | 2,576 |
| Retained earnings to average equity (ytd only) | 5.4059% | 2,139 |
| Net charge-offs to loans | -0.1147% | 5,817 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1594% | 3,542 |
| Assets per employee ($millions) | 5.0623% | 2,288 |
| Cash dividends to net income (ytd only)* | 38.3973% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2866% | 2 |
| Loan loss allowance to noncurrent loans | 565.3846% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 4,744 |
| Noncurrent loans to loans | 2.1731% | 926 |
| Net loans and leases to total assets | 5.3746% | 6,143 |
| Net loans and leases to deposits | 6.0036% | 6,146 |
| Net loans and leases to core deposits | 6.3001% | 6,134 |
| Total domestic deposits to total assets | 89.5216% | 842 |
| Equity capital to assets | 10.3760% | 3,524 |
| Core capital (leverage) ratio | 9.9681% | 3,555 |
| Tier 1 risk-based capital ratio | 48.0495% | 140 |
| Total risk-based capital ratio | 49.7121% | 140 |
| Memoranda: | ||
| Average total assets | $135,857,800 | 3,791 |
| Average earning assets | $114,204,400 | 3,996 |
| Average equity | $13,651,800 | 4,025 |
| Average total loans | $8,715,200 | 6,042 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 2,715 |
| Cost of funding earning assets | 0.1176% | 5,987 |
| Net interest margin | 4.0436% | 1,574 |
| Noninterest income to average assets | 0.5141% | 3,269 |
| Noninterest expense to average assets | 2.6695% | 3,668 |
| Loan and lease loss provision to assets | 0.0885% | 2,387 |
| Net operating income to assets | 0.7490% | 3,685 |
| Return on assets (ROA) | 0.7490% | 3,780 |
| Pretax return on assets | 1.1352% | 3,073 |
| Return on Equity (ROE) | 7.5150% | 3,329 |
| Retained earnings to average equity (ytd only) | 2.9784% | 4,329 |
| Net charge-offs to loans | -0.2424% | 6,039 |
| Credit loss provision to net charge-offs | -562.5000% | 5,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5685% | 3,436 |
| Assets per employee ($millions) | 5.1499% | 2,113 |
| Cash dividends to net income (ytd only)* | 60.3679% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8430% | 2 |
| Loan loss allowance to noncurrent loans | 297.3373% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 4,655 |
| Noncurrent loans to loans | 3.9830% | 328 |
| Net loans and leases to total assets | 5.3802% | 6,228 |
| Net loans and leases to deposits | 5.9835% | 6,231 |
| Net loans and leases to core deposits | 6.2723% | 6,219 |
| Total domestic deposits to total assets | 89.9172% | 607 |
| Equity capital to assets | 9.8980% | 4,289 |
| Core capital (leverage) ratio | 9.8148% | 3,884 |
| Tier 1 risk-based capital ratio | 44.6967% | 186 |
| Total risk-based capital ratio | 46.3784% | 181 |
| Memoranda: | ||
| Average total assets | $135,652,000 | 3,832 |
| Average earning assets | $113,361,250 | 4,058 |
| Average equity | $13,519,250 | 4,091 |
| Average total loans | $8,800,250 | 6,123 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 2,785 |
| Cost of funding earning assets | 0.1174% | 6,054 |
| Net interest margin | 4.0143% | 1,601 |
| Noninterest income to average assets | 0.4981% | 3,390 |
| Noninterest expense to average assets | 2.6673% | 3,699 |
| Loan and lease loss provision to assets | 0.0892% | 2,327 |
| Net operating income to assets | 0.7568% | 3,613 |
| Return on assets (ROA) | 0.7568% | 3,711 |
| Pretax return on assets | 1.1478% | 2,980 |
| Return on Equity (ROE) | 7.5755% | 3,276 |
| Retained earnings to average equity (ytd only) | 0.7293% | 5,263 |
| Net charge-offs to loans | -0.1348% | 5,894 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3168% | 3,631 |
| Assets per employee ($millions) | 5.3903% | 1,843 |
| Cash dividends to net income (ytd only)* | 90.3733% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.1150% | 5 |
| Loan loss allowance to noncurrent loans | 365.5303% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 4,977 |
| Noncurrent loans to loans | 3.0408% | 650 |
| Net loans and leases to total assets | 5.5064% | 6,304 |
| Net loans and leases to deposits | 6.1076% | 6,308 |
| Net loans and leases to core deposits | 6.5347% | 6,295 |
| Total domestic deposits to total assets | 90.1553% | 594 |
| Equity capital to assets | 9.6591% | 4,457 |
| Core capital (leverage) ratio | 9.7779% | 3,899 |
| Tier 1 risk-based capital ratio | 45.6613% | 186 |
| Total risk-based capital ratio | 47.4222% | 181 |
| Memoranda: | ||
| Average total assets | $134,520,000 | 3,885 |
| Average earning assets | $114,141,330 | 4,070 |
| Average equity | $13,438,000 | 4,131 |
| Average total loans | $8,905,000 | 6,188 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,420 |
| Cost of funding earning assets | 0.1184% | 6,125 |
| Net interest margin | 4.0898% | 1,308 |
| Noninterest income to average assets | 0.5558% | 2,918 |
| Noninterest expense to average assets | 2.7455% | 3,431 |
| Loan and lease loss provision to assets | 0.0911% | 2,172 |
| Net operating income to assets | 0.7805% | 3,359 |
| Return on assets (ROA) | 0.7805% | 3,491 |
| Pretax return on assets | 1.1814% | 2,739 |
| Return on Equity (ROE) | 7.6782% | 3,127 |
| Retained earnings to average equity (ytd only) | -6.0649% | 5,992 |
| Net charge-offs to loans | -0.4436% | 6,219 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3296% | 3,767 |
| Assets per employee ($millions) | 4.9379% | 2,435 |
| Cash dividends to net income (ytd only)* | 178.9883% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4963% | 6 |
| Loan loss allowance to noncurrent loans | 711.3636% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 5,414 |
| Noncurrent loans to loans | 1.4755% | 1,920 |
| Net loans and leases to total assets | 6.0058% | 6,376 |
| Net loans and leases to deposits | 6.6901% | 6,379 |
| Net loans and leases to core deposits | 7.1859% | 6,367 |
| Total domestic deposits to total assets | 89.7706% | 859 |
| Equity capital to assets | 9.9646% | 4,190 |
| Core capital (leverage) ratio | 9.7743% | 3,924 |
| Tier 1 risk-based capital ratio | 46.1560% | 179 |
| Total risk-based capital ratio | 47.7727% | 173 |
| Memoranda: | ||
| Average total assets | $131,706,500 | 3,962 |
| Average earning assets | $111,496,000 | 4,154 |
| Average equity | $13,388,500 | 4,171 |
| Average total loans | $9,016,500 | 6,251 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 1,837 |
| Cost of funding earning assets | 0.1221% | 6,234 |
| Net interest margin | 4.3848% | 903 |
| Noninterest income to average assets | 0.5605% | 3,121 |
| Noninterest expense to average assets | 2.9988% | 2,842 |
| Loan and lease loss provision to assets | 0.0989% | 2,505 |
| Net operating income to assets | 0.8713% | 3,011 |
| Return on assets (ROA) | 0.8713% | 3,100 |
| Pretax return on assets | 1.2504% | 2,439 |
| Return on Equity (ROE) | 8.1133% | 3,072 |
| Retained earnings to average equity (ytd only) | 4.5824% | 2,917 |
| Net charge-offs to loans | 0.6836% | 545 |
| Credit loss provision to net charge-offs | 184.6154% | 1,322 |
| Earnings coverage of net charge-offs (x) | 25.1846% | 1,507 |
| Efficiency ratio | 68.9668% | 3,719 |
| Assets per employee ($millions) | 5.0035% | 2,318 |
| Cash dividends to net income (ytd only)* | 43.5194% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8933% | 9 |
| Loan loss allowance to noncurrent loans | 4,994.4444% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 5,816 |
| Noncurrent loans to loans | 0.1981% | 5,114 |
| Net loans and leases to total assets | 6.2941% | 6,464 |
| Net loans and leases to deposits | 7.0351% | 6,467 |
| Net loans and leases to core deposits | 7.5934% | 6,456 |
| Total domestic deposits to total assets | 89.4658% | 987 |
| Equity capital to assets | 10.3712% | 3,639 |
| Core capital (leverage) ratio | 10.6202% | 2,811 |
| Tier 1 risk-based capital ratio | 45.6154% | 167 |
| Total risk-based capital ratio | 47.3878% | 160 |
| Memoranda: | ||
| Average total assets | $121,316,400 | 4,153 |
| Average earning assets | $104,794,200 | 4,294 |
| Average equity | $13,028,000 | 4,190 |
| Average total loans | $9,508,800 | 6,326 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 1,693 |
| Cost of funding earning assets | 0.1244% | 6,316 |
| Net interest margin | 4.4291% | 850 |
| Noninterest income to average assets | 0.5843% | 2,969 |
| Noninterest expense to average assets | 3.0612% | 2,592 |
| Loan and lease loss provision to assets | 0.1007% | 2,357 |
| Net operating income to assets | 0.8797% | 3,023 |
| Return on assets (ROA) | 0.8797% | 3,119 |
| Pretax return on assets | 1.2883% | 2,422 |
| Return on Equity (ROE) | 8.1162% | 3,145 |
| Retained earnings to average equity (ytd only) | 3.3663% | 4,222 |
| Net charge-offs to loans | 0.7766% | 433 |
| Credit loss provision to net charge-offs | 160.7143% | 1,508 |
| Earnings coverage of net charge-offs (x) | 22.1622% | 1,641 |
| Efficiency ratio | 68.7877% | 3,711 |
| Assets per employee ($millions) | 4.6071% | 2,801 |
| Cash dividends to net income (ytd only)* | 58.5246% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4470% | 12 |
| Loan loss allowance to noncurrent loans | 3,990.9091% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,918 |
| Noncurrent loans to loans | 0.2367% | 5,189 |
| Net loans and leases to total assets | 6.7657% | 6,543 |
| Net loans and leases to deposits | 7.5936% | 6,545 |
| Net loans and leases to core deposits | 8.2596% | 6,533 |
| Total domestic deposits to total assets | 89.0974% | 1,181 |
| Equity capital to assets | 10.6309% | 3,396 |
| Core capital (leverage) ratio | 10.3714% | 3,189 |
| Tier 1 risk-based capital ratio | 47.0776% | 154 |
| Total risk-based capital ratio | 48.8907% | 148 |
| Memoranda: | ||
| Average total assets | $119,122,750 | 4,236 |
| Average earning assets | $103,976,500 | 4,350 |
| Average equity | $12,912,000 | 4,240 |
| Average total loans | $9,614,250 | 6,398 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,414 |
| Cost of funding earning assets | 0.1276% | 6,370 |
| Net interest margin | 4.5163% | 683 |
| Noninterest income to average assets | 0.5538% | 3,090 |
| Noninterest expense to average assets | 3.0673% | 2,604 |
| Loan and lease loss provision to assets | 0.1022% | 2,311 |
| Net operating income to assets | 0.8418% | 3,122 |
| Return on assets (ROA) | 0.8418% | 3,214 |
| Pretax return on assets | 1.3036% | 2,241 |
| Return on Equity (ROE) | 7.7139% | 3,251 |
| Retained earnings to average equity (ytd only) | 0.5309% | 5,527 |
| Net charge-offs to loans | 1.0287% | 339 |
| Credit loss provision to net charge-offs | 120.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,789 |
| Efficiency ratio | 68.5714% | 3,909 |
| Assets per employee ($millions) | 4.2071% | 3,444 |
| Cash dividends to net income (ytd only)* | 93.1174% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0094% | 11 |
| Loan loss allowance to noncurrent loans | 4,494.7368% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 5,951 |
| Noncurrent loans to loans | 0.2004% | 5,414 |
| Net loans and leases to total assets | 7.3217% | 6,607 |
| Net loans and leases to deposits | 8.2497% | 6,610 |
| Net loans and leases to core deposits | 9.0495% | 6,599 |
| Total domestic deposits to total assets | 88.7513% | 1,504 |
| Equity capital to assets | 10.9669% | 2,909 |
| Core capital (leverage) ratio | 10.5818% | 2,844 |
| Tier 1 risk-based capital ratio | 46.5177% | 155 |
| Total risk-based capital ratio | 48.2991% | 150 |
| Memoranda: | ||
| Average total assets | $117,366,330 | 4,294 |
| Average earning assets | $101,852,330 | 4,415 |
| Average equity | $12,808,000 | 4,262 |
| Average total loans | $9,721,000 | 6,458 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 1,224 |
| Cost of funding earning assets | 0.1273% | 6,458 |
| Net interest margin | 4.5875% | 568 |
| Noninterest income to average assets | 0.5839% | 2,839 |
| Noninterest expense to average assets | 3.1447% | 2,390 |
| Loan and lease loss provision to assets | 0.1024% | 2,214 |
| Net operating income to assets | 0.7956% | 3,175 |
| Return on assets (ROA) | 0.7956% | 3,251 |
| Pretax return on assets | 1.2736% | 2,201 |
| Return on Equity (ROE) | 7.3084% | 3,310 |
| Retained earnings to average equity (ytd only) | -7.1202% | 6,249 |
| Net charge-offs to loans | 1.1786% | 283 |
| Credit loss provision to net charge-offs | 103.4483% | 1,609 |
| Earnings coverage of net charge-offs (x) | 13.8966% | 1,641 |
| Efficiency ratio | 69.5619% | 3,902 |
| Assets per employee ($millions) | 4.1188% | 3,684 |
| Cash dividends to net income (ytd only)* | 197.4249% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7847% | 16 |
| Loan loss allowance to noncurrent loans | 1,018.0723% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 5,985 |
| Noncurrent loans to loans | 0.8629% | 3,738 |
| Net loans and leases to total assets | 7.6080% | 6,679 |
| Net loans and leases to deposits | 8.5748% | 6,681 |
| Net loans and leases to core deposits | 9.3377% | 6,669 |
| Total domestic deposits to total assets | 88.7250% | 1,819 |
| Equity capital to assets | 10.9498% | 2,764 |
| Core capital (leverage) ratio | 10.4564% | 2,982 |
| Tier 1 risk-based capital ratio | 44.6340% | 180 |
| Total risk-based capital ratio | 46.3289% | 171 |
| Memoranda: | ||
| Average total assets | $117,149,500 | 4,335 |
| Average earning assets | $100,534,000 | 4,494 |
| Average equity | $12,752,500 | 4,285 |
| Average total loans | $9,842,000 | 6,525 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,684 |
| Cost of funding earning assets | 0.1387% | 6,578 |
| Net interest margin | 4.5227% | 707 |
| Noninterest income to average assets | 0.5823% | 3,196 |
| Noninterest expense to average assets | 3.3002% | 2,153 |
| Loan and lease loss provision to assets | 0.1011% | 3,113 |
| Net operating income to assets | 0.8453% | 3,064 |
| Return on assets (ROA) | 0.8453% | 3,139 |
| Pretax return on assets | 1.1655% | 2,708 |
| Return on Equity (ROE) | 8.1013% | 2,983 |
| Retained earnings to average equity (ytd only) | 4.3858% | 3,052 |
| Net charge-offs to loans | 0.3928% | 1,717 |
| Credit loss provision to net charge-offs | 279.0698% | 809 |
| Earnings coverage of net charge-offs (x) | 34.9535% | 1,059 |
| Efficiency ratio | 72.2643% | 3,424 |
| Assets per employee ($millions) | 4.2490% | 3,360 |
| Cash dividends to net income (ytd only)* | 45.8624% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3954% | 17 |
| Loan loss allowance to noncurrent loans | 994.1176% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 6,111 |
| Noncurrent loans to loans | 0.8445% | 3,869 |
| Net loans and leases to total assets | 7.7497% | 6,759 |
| Net loans and leases to deposits | 8.7061% | 6,761 |
| Net loans and leases to core deposits | 9.4232% | 6,751 |
| Total domestic deposits to total assets | 89.0143% | 1,611 |
| Equity capital to assets | 10.8235% | 2,792 |
| Core capital (leverage) ratio | 10.6462% | 2,734 |
| Tier 1 risk-based capital ratio | 44.8369% | 169 |
| Total risk-based capital ratio | 46.5797% | 163 |
| Memoranda: | ||
| Average total assets | $118,661,200 | 4,299 |
| Average earning assets | $104,539,800 | 4,395 |
| Average equity | $12,380,800 | 4,380 |
| Average total loans | $10,948,200 | 6,554 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 1,676 |
| Cost of funding earning assets | 0.1435% | 6,661 |
| Net interest margin | 4.5273% | 702 |
| Noninterest income to average assets | 0.5802% | 3,269 |
| Noninterest expense to average assets | 3.3000% | 2,082 |
| Loan and lease loss provision to assets | 0.1012% | 3,076 |
| Net operating income to assets | 0.8230% | 3,234 |
| Return on assets (ROA) | 0.8230% | 3,351 |
| Pretax return on assets | 1.1884% | 2,752 |
| Return on Equity (ROE) | 7.9628% | 3,139 |
| Retained earnings to average equity (ytd only) | 2.9589% | 4,555 |
| Net charge-offs to loans | 0.4656% | 1,382 |
| Credit loss provision to net charge-offs | 230.7692% | 1,048 |
| Earnings coverage of net charge-offs (x) | 29.4096% | 1,252 |
| Efficiency ratio | 71.9010% | 3,421 |
| Assets per employee ($millions) | 4.1575% | 3,508 |
| Cash dividends to net income (ytd only)* | 62.8415% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7926% | 19 |
| Loan loss allowance to noncurrent loans | 11,700.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 6,498 |
| Noncurrent loans to loans | 0.0666% | 6,139 |
| Net loans and leases to total assets | 8.3250% | 6,838 |
| Net loans and leases to deposits | 9.3555% | 6,841 |
| Net loans and leases to core deposits | 10.1448% | 6,833 |
| Total domestic deposits to total assets | 88.9845% | 1,561 |
| Equity capital to assets | 10.7904% | 2,964 |
| Core capital (leverage) ratio | 10.3634% | 3,150 |
| Tier 1 risk-based capital ratio | 44.7760% | 174 |
| Total risk-based capital ratio | 46.4175% | 172 |
| Memoranda: | ||
| Average total assets | $118,583,250 | 4,348 |
| Average earning assets | $105,018,500 | 4,429 |
| Average equity | $12,256,750 | 4,445 |
| Average total loans | $11,169,000 | 6,620 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 1,631 |
| Cost of funding earning assets | 0.1459% | 6,725 |
| Net interest margin | 4.5298% | 675 |
| Noninterest income to average assets | 0.5515% | 3,489 |
| Noninterest expense to average assets | 3.2621% | 2,181 |
| Loan and lease loss provision to assets | 0.1006% | 3,112 |
| Net operating income to assets | 0.8147% | 3,219 |
| Return on assets (ROA) | 0.8147% | 3,375 |
| Pretax return on assets | 1.1969% | 2,687 |
| Return on Equity (ROE) | 7.9965% | 3,103 |
| Retained earnings to average equity (ytd only) | 0.4278% | 5,723 |
| Net charge-offs to loans | 0.7551% | 850 |
| Credit loss provision to net charge-offs | 139.5349% | 1,625 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,574 |
| Efficiency ratio | 71.5441% | 3,551 |
| Assets per employee ($millions) | 3.9453% | 3,922 |
| Cash dividends to net income (ytd only)* | 94.6502% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2746% | 20 |
| Loan loss allowance to noncurrent loans | 39,250.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 6,380 |
| Noncurrent loans to loans | 0.0185% | 6,362 |
| Net loans and leases to total assets | 8.4539% | 6,885 |
| Net loans and leases to deposits | 9.4509% | 6,892 |
| Net loans and leases to core deposits | 10.2295% | 6,880 |
| Total domestic deposits to total assets | 89.4500% | 1,352 |
| Equity capital to assets | 10.3734% | 3,462 |
| Core capital (leverage) ratio | 10.2033% | 3,226 |
| Tier 1 risk-based capital ratio | 42.8466% | 199 |
| Total risk-based capital ratio | 44.3893% | 191 |
| Memoranda: | ||
| Average total assets | $119,308,000 | 4,366 |
| Average earning assets | $105,567,330 | 4,446 |
| Average equity | $12,155,330 | 4,494 |
| Average total loans | $11,388,670 | 6,657 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 1,477 |
| Cost of funding earning assets | 0.1509% | 6,797 |
| Net interest margin | 4.5691% | 593 |
| Noninterest income to average assets | 0.6144% | 3,056 |
| Noninterest expense to average assets | 3.4062% | 1,824 |
| Loan and lease loss provision to assets | 0.1002% | 3,007 |
| Net operating income to assets | 0.7614% | 3,374 |
| Return on assets (ROA) | 0.7614% | 3,515 |
| Pretax return on assets | 1.1521% | 2,757 |
| Return on Equity (ROE) | 7.5409% | 3,204 |
| Retained earnings to average equity (ytd only) | -7.6732% | 6,505 |
| Net charge-offs to loans | 0.8898% | 684 |
| Credit loss provision to net charge-offs | 115.3846% | 1,636 |
| Earnings coverage of net charge-offs (x) | 14.4231% | 1,453 |
| Efficiency ratio | 73.1183% | 3,426 |
| Assets per employee ($millions) | 4.3448% | 3,250 |
| Cash dividends to net income (ytd only)* | 201.7544% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7767% | 44 |
| Loan loss allowance to noncurrent loans | 1,642.5532% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 6,239 |
| Noncurrent loans to loans | 0.4126% | 5,380 |
| Net loans and leases to total assets | 8.7297% | 6,959 |
| Net loans and leases to deposits | 9.7126% | 6,964 |
| Net loans and leases to core deposits | 10.5116% | 6,953 |
| Total domestic deposits to total assets | 89.8795% | 1,120 |
| Equity capital to assets | 9.8616% | 4,332 |
| Core capital (leverage) ratio | 9.8786% | 3,559 |
| Tier 1 risk-based capital ratio | 41.5086% | 213 |
| Total risk-based capital ratio | 42.9901% | 211 |
| Memoranda: | ||
| Average total assets | $119,782,000 | 4,402 |
| Average earning assets | $106,016,500 | 4,471 |
| Average equity | $12,094,000 | 4,554 |
| Average total loans | $11,687,500 | 6,712 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 1,833 |
| Cost of funding earning assets | 0.1527% | 6,911 |
| Net interest margin | 4.7490% | 597 |
| Noninterest income to average assets | 0.5484% | 3,593 |
| Noninterest expense to average assets | 3.4294% | 1,989 |
| Loan and lease loss provision to assets | 0.1031% | 4,353 |
| Net operating income to assets | 0.9669% | 2,474 |
| Return on assets (ROA) | 0.9669% | 2,712 |
| Pretax return on assets | 1.4001% | 2,039 |
| Return on Equity (ROE) | 9.6403% | 2,339 |
| Retained earnings to average equity (ytd only) | 5.6985% | 2,255 |
| Net charge-offs to loans | 0.4467% | 2,443 |
| Credit loss provision to net charge-offs | 210.5263% | 1,210 |
| Earnings coverage of net charge-offs (x) | 30.6842% | 998 |
| Efficiency ratio | 69.5243% | 3,893 |
| Assets per employee ($millions) | 4.2111% | 3,529 |
| Cash dividends to net income (ytd only)* | 40.8889% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4091% | 54 |
| Loan loss allowance to noncurrent loans | 882.7586% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 6,188 |
| Noncurrent loans to loans | 0.7260% | 4,730 |
| Net loans and leases to total assets | 9.5115% | 7,019 |
| Net loans and leases to deposits | 10.6293% | 7,023 |
| Net loans and leases to core deposits | 11.5381% | 7,011 |
| Total domestic deposits to total assets | 89.4835% | 1,254 |
| Equity capital to assets | 10.3392% | 3,709 |
| Core capital (leverage) ratio | 10.5539% | 2,701 |
| Tier 1 risk-based capital ratio | 41.7880% | 203 |
| Total risk-based capital ratio | 43.1822% | 202 |
| Memoranda: | ||
| Average total assets | $116,348,200 | 4,431 |
| Average earning assets | $107,411,600 | 4,407 |
| Average equity | $11,669,800 | 4,640 |
| Average total loans | $12,760,200 | 6,747 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 1,845 |
| Cost of funding earning assets | 0.1513% | 7,035 |
| Net interest margin | 4.7937% | 569 |
| Noninterest income to average assets | 0.5565% | 3,566 |
| Noninterest expense to average assets | 3.6725% | 1,410 |
| Loan and lease loss provision to assets | 0.1035% | 4,283 |
| Net operating income to assets | 0.8520% | 3,202 |
| Return on assets (ROA) | 0.8520% | 3,459 |
| Pretax return on assets | 1.2257% | 2,886 |
| Return on Equity (ROE) | 8.5617% | 3,012 |
| Retained earnings to average equity (ytd only) | 3.2468% | 4,585 |
| Net charge-offs to loans | 0.5867% | 1,873 |
| Credit loss provision to net charge-offs | 157.8947% | 1,777 |
| Earnings coverage of net charge-offs (x) | 20.2801% | 1,453 |
| Efficiency ratio | 73.4253% | 3,082 |
| Assets per employee ($millions) | 3.8692% | 4,148 |
| Cash dividends to net income (ytd only)* | 62.0782% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0117% | 67 |
| Loan loss allowance to noncurrent loans | 760.8247% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 6,290 |
| Noncurrent loans to loans | 0.7902% | 4,824 |
| Net loans and leases to total assets | 10.2828% | 7,114 |
| Net loans and leases to deposits | 11.5177% | 7,122 |
| Net loans and leases to core deposits | 12.3711% | 7,113 |
| Total domestic deposits to total assets | 89.2779% | 1,257 |
| Equity capital to assets | 10.5118% | 3,831 |
| Core capital (leverage) ratio | 10.3914% | 3,048 |
| Tier 1 risk-based capital ratio | 41.1037% | 219 |
| Total risk-based capital ratio | 42.4710% | 218 |
| Memoranda: | ||
| Average total assets | $115,957,750 | 4,484 |
| Average earning assets | $107,526,750 | 4,452 |
| Average equity | $11,539,500 | 4,710 |
| Average total loans | $12,954,500 | 6,830 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 2,008 |
| Cost of funding earning assets | 0.1560% | 7,107 |
| Net interest margin | 4.7684% | 594 |
| Noninterest income to average assets | 0.5153% | 3,816 |
| Noninterest expense to average assets | 3.6090% | 1,562 |
| Loan and lease loss provision to assets | 0.1024% | 4,242 |
| Net operating income to assets | 0.8600% | 3,090 |
| Return on assets (ROA) | 0.8600% | 3,356 |
| Pretax return on assets | 1.2388% | 2,771 |
| Return on Equity (ROE) | 8.8002% | 2,898 |
| Retained earnings to average equity (ytd only) | 0.7683% | 5,757 |
| Net charge-offs to loans | 0.3035% | 2,815 |
| Credit loss provision to net charge-offs | 300.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 39.3000% | 886 |
| Efficiency ratio | 72.9059% | 3,255 |
| Assets per employee ($millions) | 3.9298% | 4,020 |
| Cash dividends to net income (ytd only)* | 91.2698% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8108% | 89 |
| Loan loss allowance to noncurrent loans | 359.9034% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 6,338 |
| Noncurrent loans to loans | 1.6145% | 3,486 |
| Net loans and leases to total assets | 10.5963% | 7,177 |
| Net loans and leases to deposits | 11.8184% | 7,185 |
| Net loans and leases to core deposits | 12.7423% | 7,176 |
| Total domestic deposits to total assets | 89.6599% | 1,123 |
| Equity capital to assets | 10.1392% | 4,138 |
| Core capital (leverage) ratio | 9.9268% | 3,517 |
| Tier 1 risk-based capital ratio | 38.2247% | 272 |
| Total risk-based capital ratio | 39.5752% | 259 |
| Memoranda: | ||
| Average total assets | $117,208,000 | 4,475 |
| Average earning assets | $109,009,000 | 4,432 |
| Average equity | $11,454,330 | 4,725 |
| Average total loans | $13,180,670 | 6,874 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 2,339 |
| Cost of funding earning assets | 0.1590% | 7,170 |
| Net interest margin | 4.7159% | 665 |
| Noninterest income to average assets | 0.5487% | 3,572 |
| Noninterest expense to average assets | 3.6354% | 1,489 |
| Loan and lease loss provision to assets | 0.1010% | 4,078 |
| Net operating income to assets | 0.7978% | 3,386 |
| Return on assets (ROA) | 0.7978% | 3,627 |
| Pretax return on assets | 1.2051% | 2,893 |
| Return on Equity (ROE) | 8.3129% | 3,136 |
| Retained earnings to average equity (ytd only) | -7.8218% | 6,757 |
| Net charge-offs to loans | 0.1497% | 3,199 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 77.6000% | 433 |
| Efficiency ratio | 73.5695% | 3,165 |
| Assets per employee ($millions) | 4.0786% | 3,846 |
| Cash dividends to net income (ytd only)* | 194.0928% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5316% | 111 |
| Loan loss allowance to noncurrent loans | 288.5375% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 6,338 |
| Noncurrent loans to loans | 1.9171% | 3,266 |
| Net loans and leases to total assets | 10.5402% | 7,234 |
| Net loans and leases to deposits | 11.6850% | 7,243 |
| Net loans and leases to core deposits | 12.5568% | 7,236 |
| Total domestic deposits to total assets | 90.2029% | 973 |
| Equity capital to assets | 9.5612% | 4,707 |
| Core capital (leverage) ratio | 9.1664% | 4,577 |
| Tier 1 risk-based capital ratio | 36.9006% | 291 |
| Total risk-based capital ratio | 38.2978% | 283 |
| Memoranda: | ||
| Average total assets | $118,830,000 | 4,475 |
| Average earning assets | $110,690,500 | 4,424 |
| Average equity | $11,404,000 | 4,749 |
| Average total loans | $13,360,500 | 6,921 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 3,546 |
| Cost of funding earning assets | 0.2074% | 7,230 |
| Net interest margin | 4.6521% | 831 |
| Noninterest income to average assets | 0.5360% | 3,612 |
| Noninterest expense to average assets | 3.4859% | 2,017 |
| Loan and lease loss provision to assets | 0.0247% | 6,262 |
| Net operating income to assets | 0.9484% | 2,422 |
| Return on assets (ROA) | 0.9484% | 2,545 |
| Pretax return on assets | 1.3723% | 1,869 |
| Return on Equity (ROE) | 10.4257% | 1,903 |
| Retained earnings to average equity (ytd only) | 6.2554% | 1,877 |
| Net charge-offs to loans | 0.1503% | 4,940 |
| Credit loss provision to net charge-offs | 136.3636% | 2,191 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 384 |
| Efficiency ratio | 71.3900% | 3,716 |
| Assets per employee ($millions) | 3.8510% | 4,203 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2203% | 156 |
| Loan loss allowance to noncurrent loans | 410.4651% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 6,571 |
| Noncurrent loans to loans | 1.2718% | 4,245 |
| Net loans and leases to total assets | 10.7371% | 7,287 |
| Net loans and leases to deposits | 11.9008% | 7,293 |
| Net loans and leases to core deposits | 12.7795% | 7,285 |
| Total domestic deposits to total assets | 90.2220% | 867 |
| Equity capital to assets | 9.6323% | 4,699 |
| Core capital (leverage) ratio | 9.3782% | 4,212 |
| Tier 1 risk-based capital ratio | 37.2896% | 285 |
| Total risk-based capital ratio | 38.6090% | 277 |
| Memoranda: | ||
| Average total assets | $121,260,600 | 4,366 |
| Average earning assets | $113,303,000 | 4,299 |
| Average equity | $11,030,400 | 4,770 |
| Average total loans | $14,637,400 | 6,923 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 3,799 |
| Cost of funding earning assets | 0.2190% | 7,311 |
| Net interest margin | 4.6286% | 899 |
| Noninterest income to average assets | 0.5378% | 3,596 |
| Noninterest expense to average assets | 3.5049% | 1,923 |
| Loan and lease loss provision to assets | 0.0263% | 6,119 |
| Net operating income to assets | 0.9332% | 2,602 |
| Return on assets (ROA) | 0.9332% | 2,764 |
| Pretax return on assets | 1.3352% | 2,169 |
| Return on Equity (ROE) | 10.4091% | 2,070 |
| Retained earnings to average equity (ytd only) | 4.7891% | 3,321 |
| Net charge-offs to loans | 0.1966% | 4,227 |
| Credit loss provision to net charge-offs | 109.0909% | 3,028 |
| Earnings coverage of net charge-offs (x) | 56.5049% | 581 |
| Efficiency ratio | 72.0234% | 3,549 |
| Assets per employee ($millions) | 4.2735% | 3,324 |
| Cash dividends to net income (ytd only)* | 53.9909% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8849% | 203 |
| Loan loss allowance to noncurrent loans | 507.2464% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 6,757 |
| Noncurrent loans to loans | 0.9630% | 4,959 |
| Net loans and leases to total assets | 10.9980% | 7,360 |
| Net loans and leases to deposits | 12.1147% | 7,370 |
| Net loans and leases to core deposits | 13.0929% | 7,357 |
| Total domestic deposits to total assets | 90.7820% | 520 |
| Equity capital to assets | 9.0267% | 5,729 |
| Core capital (leverage) ratio | 8.9039% | 5,092 |
| Tier 1 risk-based capital ratio | 35.6446% | 328 |
| Total risk-based capital ratio | 36.9331% | 323 |
| Memoranda: | ||
| Average total assets | $121,730,750 | 4,372 |
| Average earning assets | $113,840,000 | 4,309 |
| Average equity | $10,913,250 | 4,827 |
| Average total loans | $14,915,750 | 6,975 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 3,752 |
| Cost of funding earning assets | 0.2328% | 7,380 |
| Net interest margin | 4.6376% | 844 |
| Noninterest income to average assets | 0.5289% | 3,635 |
| Noninterest expense to average assets | 3.4827% | 2,027 |
| Loan and lease loss provision to assets | 0.0397% | 5,814 |
| Net operating income to assets | 0.9058% | 2,612 |
| Return on assets (ROA) | 0.9058% | 2,717 |
| Pretax return on assets | 1.3521% | 1,949 |
| Return on Equity (ROE) | 10.1275% | 2,080 |
| Retained earnings to average equity (ytd only) | 1.6263% | 5,180 |
| Net charge-offs to loans | 0.1853% | 4,050 |
| Credit loss provision to net charge-offs | 171.4286% | 1,762 |
| Earnings coverage of net charge-offs (x) | 60.1429% | 542 |
| Efficiency ratio | 71.4479% | 3,838 |
| Assets per employee ($millions) | 4.0581% | 3,636 |
| Cash dividends to net income (ytd only)* | 83.9416% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8134% | 215 |
| Loan loss allowance to noncurrent loans | 1,863.1579% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 7,002 |
| Noncurrent loans to loans | 0.2583% | 6,408 |
| Net loans and leases to total assets | 11.5006% | 7,435 |
| Net loans and leases to deposits | 12.6630% | 7,447 |
| Net loans and leases to core deposits | 13.7598% | 7,433 |
| Total domestic deposits to total assets | 90.8199% | 576 |
| Equity capital to assets | 8.9838% | 5,602 |
| Core capital (leverage) ratio | 8.7931% | 5,061 |
| Tier 1 risk-based capital ratio | 34.2565% | 376 |
| Total risk-based capital ratio | 35.6587% | 357 |
| Memoranda: | ||
| Average total assets | $120,997,000 | 4,424 |
| Average earning assets | $113,378,000 | 4,351 |
| Average equity | $10,822,000 | 4,845 |
| Average total loans | $15,111,000 | 7,032 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 3,611 |
| Cost of funding earning assets | 0.2296% | 7,460 |
| Net interest margin | 4.6669% | 754 |
| Noninterest income to average assets | 0.5438% | 3,555 |
| Noninterest expense to average assets | 3.5084% | 1,983 |
| Loan and lease loss provision to assets | 0.0796% | 5,013 |
| Net operating income to assets | 0.8854% | 2,638 |
| Return on assets (ROA) | 0.8854% | 2,706 |
| Pretax return on assets | 1.3364% | 1,919 |
| Return on Equity (ROE) | 9.9215% | 2,126 |
| Retained earnings to average equity (ytd only) | -7.1717% | 6,691 |
| Net charge-offs to loans | 0.2090% | 3,259 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 53.3750% | 550 |
| Efficiency ratio | 71.2458% | 4,002 |
| Assets per employee ($millions) | 4.2101% | 3,447 |
| Cash dividends to net income (ytd only)* | 172.2846% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7537% | 232 |
| Loan loss allowance to noncurrent loans | 430.1205% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 6,786 |
| Noncurrent loans to loans | 1.1052% | 4,850 |
| Net loans and leases to total assets | 11.7172% | 7,492 |
| Net loans and leases to deposits | 12.8782% | 7,505 |
| Net loans and leases to core deposits | 13.6538% | 7,492 |
| Total domestic deposits to total assets | 90.9848% | 633 |
| Equity capital to assets | 8.7359% | 5,600 |
| Core capital (leverage) ratio | 8.5802% | 5,294 |
| Tier 1 risk-based capital ratio | 33.8371% | 380 |
| Total risk-based capital ratio | 35.2686% | 367 |
| Memoranda: | ||
| Average total assets | $120,624,500 | 4,461 |
| Average earning assets | $113,223,500 | 4,371 |
| Average equity | $10,764,500 | 4,855 |
| Average total loans | $15,312,000 | 7,072 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 5,480 |
| Cost of funding earning assets | 0.2385% | 7,532 |
| Net interest margin | 4.5440% | 1,146 |
| Noninterest income to average assets | 0.5035% | 4,138 |
| Noninterest expense to average assets | 3.2882% | 2,773 |
| Loan and lease loss provision to assets | 0.3316% | 4,164 |
| Net operating income to assets | 0.9796% | 2,110 |
| Return on assets (ROA) | 0.9796% | 2,223 |
| Pretax return on assets | 1.1667% | 2,338 |
| Return on Equity (ROE) | 11.8555% | 1,347 |
| Retained earnings to average equity (ytd only) | 7.3854% | 1,180 |
| Net charge-offs to loans | 1.3494% | 1,656 |
| Credit loss provision to net charge-offs | 188.5845% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.5205% | 1,962 |
| Efficiency ratio | 68.6965% | 4,426 |
| Assets per employee ($millions) | 4.2555% | 3,285 |
| Cash dividends to net income (ytd only)* | 37.7049% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4732% | 275 |
| Loan loss allowance to noncurrent loans | 861.7284% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 7,046 |
| Noncurrent loans to loans | 0.5191% | 6,001 |
| Net loans and leases to total assets | 12.5098% | 7,578 |
| Net loans and leases to deposits | 13.7870% | 7,587 |
| Net loans and leases to core deposits | 14.5700% | 7,571 |
| Total domestic deposits to total assets | 90.7356% | 727 |
| Equity capital to assets | 9.1167% | 4,970 |
| Core capital (leverage) ratio | 9.1932% | 4,178 |
| Tier 1 risk-based capital ratio | 34.0727% | 370 |
| Total risk-based capital ratio | 35.5134% | 357 |
| Memoranda: | ||
| Average total assets | $124,537,800 | 4,389 |
| Average earning assets | $117,385,600 | 4,284 |
| Average equity | $10,290,600 | 5,043 |
| Average total loans | $16,229,400 | 7,108 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 5,923 |
| Cost of funding earning assets | 0.2505% | 7,654 |
| Net interest margin | 4.4758% | 1,312 |
| Noninterest income to average assets | 0.5042% | 4,149 |
| Noninterest expense to average assets | 3.3024% | 2,567 |
| Loan and lease loss provision to assets | 0.0403% | 6,682 |
| Net operating income to assets | 0.9119% | 2,564 |
| Return on assets (ROA) | 0.9119% | 2,713 |
| Pretax return on assets | 1.3811% | 1,938 |
| Return on Equity (ROE) | 11.3128% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.2688% | 2,797 |
| Net charge-offs to loans | 0.1790% | 4,881 |
| Credit loss provision to net charge-offs | 172.7273% | 2,134 |
| Earnings coverage of net charge-offs (x) | 61.0055% | 479 |
| Efficiency ratio | 69.9103% | 4,088 |
| Assets per employee ($millions) | 4.1456% | 3,553 |
| Cash dividends to net income (ytd only)* | 53.4265% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2322% | 679 |
| Loan loss allowance to noncurrent loans | 263.9594% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 6,934 |
| Noncurrent loans to loans | 1.2245% | 4,801 |
| Net loans and leases to total assets | 12.9493% | 7,676 |
| Net loans and leases to deposits | 14.2335% | 7,692 |
| Net loans and leases to core deposits | 15.0318% | 7,677 |
| Total domestic deposits to total assets | 90.9776% | 458 |
| Equity capital to assets | 8.7005% | 6,013 |
| Core capital (leverage) ratio | 8.5076% | 5,493 |
| Tier 1 risk-based capital ratio | 32.6762% | 413 |
| Total risk-based capital ratio | 34.0051% | 403 |
| Memoranda: | ||
| Average total assets | $125,883,500 | 4,418 |
| Average earning assets | $118,679,250 | 4,317 |
| Average equity | $10,147,500 | 5,149 |
| Average total loans | $16,385,750 | 7,194 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 6,351 |
| Cost of funding earning assets | 0.2671% | 7,727 |
| Net interest margin | 4.3693% | 1,537 |
| Noninterest income to average assets | 0.5009% | 4,110 |
| Noninterest expense to average assets | 3.1713% | 3,009 |
| Loan and lease loss provision to assets | 0.0595% | 6,360 |
| Net operating income to assets | 0.9204% | 2,469 |
| Return on assets (ROA) | 0.9204% | 2,568 |
| Pretax return on assets | 1.3931% | 1,856 |
| Return on Equity (ROE) | 11.7093% | 1,523 |
| Retained earnings to average equity (ytd only) | 2.5490% | 4,530 |
| Net charge-offs to loans | 0.2184% | 4,292 |
| Credit loss provision to net charge-offs | 211.1111% | 1,842 |
| Earnings coverage of net charge-offs (x) | 51.5556% | 577 |
| Efficiency ratio | 68.5850% | 4,460 |
| Assets per employee ($millions) | 3.8531% | 4,092 |
| Cash dividends to net income (ytd only)* | 78.2313% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2260% | 684 |
| Loan loss allowance to noncurrent loans | 1,218.6047% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 7,254 |
| Noncurrent loans to loans | 0.2647% | 6,701 |
| Net loans and leases to total assets | 12.3623% | 7,747 |
| Net loans and leases to deposits | 13.4774% | 7,761 |
| Net loans and leases to core deposits | 14.1652% | 7,750 |
| Total domestic deposits to total assets | 91.7257% | 284 |
| Equity capital to assets | 7.9975% | 6,753 |
| Core capital (leverage) ratio | 7.8473% | 6,441 |
| Tier 1 risk-based capital ratio | 32.2255% | 417 |
| Total risk-based capital ratio | 33.5206% | 408 |
| Memoranda: | ||
| Average total assets | $127,770,330 | 4,409 |
| Average earning assets | $120,567,330 | 4,298 |
| Average equity | $10,043,330 | 5,184 |
| Average total loans | $16,485,000 | 7,241 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 6,685 |
| Cost of funding earning assets | 0.2813% | 7,828 |
| Net interest margin | 4.2661% | 1,800 |
| Noninterest income to average assets | 0.5809% | 3,411 |
| Noninterest expense to average assets | 3.0918% | 3,299 |
| Loan and lease loss provision to assets | 0.1187% | 5,406 |
| Net operating income to assets | 0.9213% | 2,469 |
| Return on assets (ROA) | 0.9213% | 2,533 |
| Pretax return on assets | 1.3960% | 1,788 |
| Return on Equity (ROE) | 11.8231% | 1,540 |
| Retained earnings to average equity (ytd only) | -6.6129% | 6,701 |
| Net charge-offs to loans | 0.1927% | 3,762 |
| Credit loss provision to net charge-offs | 475.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 60.6250% | 505 |
| Efficiency ratio | 67.1186% | 4,893 |
| Assets per employee ($millions) | 4.1416% | 3,577 |
| Cash dividends to net income (ytd only)* | 155.9322% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2689% | 655 |
| Loan loss allowance to noncurrent loans | 1,026.9231% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 7,329 |
| Noncurrent loans to loans | 0.3183% | 6,667 |
| Net loans and leases to total assets | 12.3077% | 7,845 |
| Net loans and leases to deposits | 13.3897% | 7,862 |
| Net loans and leases to core deposits | 14.1314% | 7,848 |
| Total domestic deposits to total assets | 91.9192% | 259 |
| Equity capital to assets | 7.7233% | 6,909 |
| Core capital (leverage) ratio | 7.5220% | 6,833 |
| Tier 1 risk-based capital ratio | 31.0522% | 472 |
| Total risk-based capital ratio | 32.4316% | 459 |
| Memoranda: | ||
| Average total assets | $128,079,000 | 4,453 |
| Average earning assets | $120,858,500 | 4,352 |
| Average equity | $9,980,500 | 5,241 |
| Average total loans | $16,606,000 | 7,330 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 6,710 |
| Cost of funding earning assets | 0.4426% | 7,860 |
| Net interest margin | 4.4587% | 1,273 |
| Noninterest income to average assets | 0.6005% | 3,629 |
| Noninterest expense to average assets | 3.3271% | 2,921 |
| Loan and lease loss provision to assets | 0.0181% | 7,322 |
| Net operating income to assets | 1.0251% | 1,763 |
| Return on assets (ROA) | 1.0368% | 1,757 |
| Pretax return on assets | 1.4669% | 1,271 |
| Return on Equity (ROE) | 12.6826% | 1,027 |
| Retained earnings to average equity (ytd only) | 7.8411% | 741 |
| Net charge-offs to loans | 0.2082% | 5,325 |
| Credit loss provision to net charge-offs | 56.7568% | 6,674 |
| Earnings coverage of net charge-offs (x) | 46.1351% | 556 |
| Efficiency ratio | 69.3757% | 4,756 |
| Assets per employee ($millions) | 4.1215% | 3,568 |
| Cash dividends to net income (ytd only)* | 38.1743% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9865% | 783 |
| Loan loss allowance to noncurrent loans | 720.0000% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 7,306 |
| Noncurrent loans to loans | 0.4148% | 6,448 |
| Net loans and leases to total assets | 12.8140% | 7,922 |
| Net loans and leases to deposits | 13.9418% | 7,934 |
| Net loans and leases to core deposits | 15.2670% | 7,935 |
| Total domestic deposits to total assets | 91.9103% | 277 |
| Equity capital to assets | 7.8620% | 6,709 |
| Core capital (leverage) ratio | 8.0089% | 6,176 |
| Tier 1 risk-based capital ratio | 33.7793% | 382 |
| Total risk-based capital ratio | 35.0834% | 367 |
| Memoranda: | ||
| Average total assets | $116,228,200 | 4,676 |
| Average earning assets | $109,360,000 | 4,585 |
| Average equity | $9,501,200 | 5,444 |
| Average total loans | $17,768,200 | 7,325 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 6,479 |
| Cost of funding earning assets | 0.4780% | 7,955 |
| Net interest margin | 4.5608% | 1,054 |
| Noninterest income to average assets | 0.6329% | 3,475 |
| Noninterest expense to average assets | 3.3526% | 2,721 |
| Loan and lease loss provision to assets | 0.0071% | 7,250 |
| Net operating income to assets | 1.0101% | 2,017 |
| Return on assets (ROA) | 1.0246% | 2,048 |
| Pretax return on assets | 1.5833% | 1,206 |
| Return on Equity (ROE) | 12.4001% | 1,264 |
| Retained earnings to average equity (ytd only) | 5.8513% | 2,019 |
| Net charge-offs to loans | 0.0222% | 6,583 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 444.3225% | 81 |
| Efficiency ratio | 68.1329% | 4,943 |
| Assets per employee ($millions) | 3.8492% | 4,079 |
| Cash dividends to net income (ytd only)* | 52.8132% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9684% | 682 |
| Loan loss allowance to noncurrent loans | 587.6404% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 7,350 |
| Noncurrent loans to loans | 0.5051% | 6,295 |
| Net loans and leases to total assets | 14.3271% | 7,996 |
| Net loans and leases to deposits | 15.6507% | 8,014 |
| Net loans and leases to core deposits | 16.5484% | 8,014 |
| Total domestic deposits to total assets | 91.5433% | 250 |
| Equity capital to assets | 8.1566% | 6,687 |
| Core capital (leverage) ratio | 7.9960% | 6,365 |
| Tier 1 risk-based capital ratio | 32.6185% | 455 |
| Total risk-based capital ratio | 33.9786% | 439 |
| Memoranda: | ||
| Average total assets | $113,343,500 | 4,771 |
| Average earning assets | $106,557,250 | 4,687 |
| Average equity | $9,365,250 | 5,533 |
| Average total loans | $17,991,250 | 7,377 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 6,339 |
| Cost of funding earning assets | 0.5033% | 8,041 |
| Net interest margin | 4.6219% | 914 |
| Noninterest income to average assets | 0.6412% | 3,405 |
| Noninterest expense to average assets | 3.3480% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0681% | 1,878 |
| Return on assets (ROA) | 1.0903% | 1,880 |
| Pretax return on assets | 1.6650% | 1,080 |
| Return on Equity (ROE) | 13.1347% | 1,153 |
| Retained earnings to average equity (ytd only) | 3.1809% | 3,545 |
| Net charge-offs to loans | 0.0442% | 5,846 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 185 |
| Efficiency ratio | 67.2439% | 5,305 |
| Assets per employee ($millions) | 3.6344% | 4,487 |
| Cash dividends to net income (ytd only)* | 75.7825% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8648% | 639 |
| Loan loss allowance to noncurrent loans | 433.6134% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 7,315 |
| Noncurrent loans to loans | 0.6607% | 5,932 |
| Net loans and leases to total assets | 14.5878% | 8,081 |
| Net loans and leases to deposits | 15.8883% | 8,103 |
| Net loans and leases to core deposits | 16.8531% | 8,101 |
| Total domestic deposits to total assets | 91.8148% | 243 |
| Equity capital to assets | 7.8450% | 6,922 |
| Core capital (leverage) ratio | 8.1030% | 6,160 |
| Tier 1 risk-based capital ratio | 30.9354% | 541 |
| Total risk-based capital ratio | 32.1914% | 533 |
| Memoranda: | ||
| Average total assets | $111,349,330 | 4,848 |
| Average earning assets | $104,503,000 | 4,775 |
| Average equity | $9,242,670 | 5,599 |
| Average total loans | $18,115,330 | 7,437 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 5,961 |
| Cost of funding earning assets | 0.5223% | 8,092 |
| Net interest margin | 4.7601% | 665 |
| Noninterest income to average assets | 0.6987% | 2,897 |
| Noninterest expense to average assets | 3.4449% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1172% | 1,906 |
| Return on assets (ROA) | 1.1172% | 2,028 |
| Pretax return on assets | 1.7150% | 1,147 |
| Return on Equity (ROE) | 13.0575% | 1,374 |
| Retained earnings to average equity (ytd only) | -7.0310% | 6,796 |
| Net charge-offs to loans | 0.0661% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 288 |
| Efficiency ratio | 66.7632% | 5,183 |
| Assets per employee ($millions) | 3.5517% | 4,695 |
| Cash dividends to net income (ytd only)* | 153.8462% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8724% | 546 |
| Loan loss allowance to noncurrent loans | 1,123.9130% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 7,467 |
| Noncurrent loans to loans | 0.2556% | 6,799 |
| Net loans and leases to total assets | 15.3818% | 8,121 |
| Net loans and leases to deposits | 16.7827% | 8,153 |
| Net loans and leases to core deposits | 17.8608% | 8,152 |
| Total domestic deposits to total assets | 91.6527% | 240 |
| Equity capital to assets | 7.9443% | 6,893 |
| Core capital (leverage) ratio | 8.2106% | 6,078 |
| Tier 1 risk-based capital ratio | 30.2865% | 607 |
| Total risk-based capital ratio | 31.5443% | 594 |
| Memoranda: | ||
| Average total assets | $107,056,000 | 4,980 |
| Average earning assets | $100,333,500 | 4,910 |
| Average equity | $9,159,500 | 5,635 |
| Average total loans | $18,167,000 | 7,480 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 7,221 |
| Cost of funding earning assets | 0.7153% | 8,143 |
| Net interest margin | 4.8176% | 752 |
| Noninterest income to average assets | 0.6789% | 3,258 |
| Noninterest expense to average assets | 3.4265% | 2,594 |
| Loan and lease loss provision to assets | 0.0911% | 6,236 |
| Net operating income to assets | 1.1072% | 2,119 |
| Return on assets (ROA) | 1.1072% | 2,033 |
| Pretax return on assets | 1.6540% | 1,249 |
| Return on Equity (ROE) | 13.6275% | 1,179 |
| Retained earnings to average equity (ytd only) | 10.5319% | 387 |
| Net charge-offs to loans | 0.1718% | 4,489 |
| Credit loss provision to net charge-offs | 312.5000% | 1,444 |
| Earnings coverage of net charge-offs (x) | 59.8438% | 670 |
| Efficiency ratio | 66.2555% | 5,074 |
| Assets per employee ($millions) | 3.1393% | 5,656 |
| Cash dividends to net income (ytd only)* | 22.7160% | 4,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8361% | 503 |
| Loan loss allowance to noncurrent loans | 981.1321% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 7,328 |
| Noncurrent loans to loans | 0.2891% | 6,513 |
| Net loans and leases to total assets | 17.7338% | 8,173 |
| Net loans and leases to deposits | 20.3670% | 8,194 |
| Net loans and leases to core deposits | 21.5389% | 8,190 |
| Total domestic deposits to total assets | 87.0712% | 1,905 |
| Equity capital to assets | 9.2476% | 5,006 |
| Core capital (leverage) ratio | 8.8033% | 5,030 |
| Tier 1 risk-based capital ratio | 30.7815% | 601 |
| Total risk-based capital ratio | 32.0651% | 591 |
| Memoranda: | ||
| Average total assets | $109,733,600 | 4,795 |
| Average earning assets | $102,333,400 | 4,733 |
| Average equity | $8,915,800 | 5,766 |
| Average total loans | $18,626,800 | 7,421 |