Home > Halstead Bank > Performance and Condition Ratios
Halstead Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 1,938 |
| Cost of funding earning assets | 1.8666% | 1,130 |
| Net interest margin | 3.2002% | 2,876 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.8155% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5823% | 3,485 |
| Return on assets (ROA) | 0.5840% | 3,475 |
| Pretax return on assets | 0.6049% | 3,623 |
| Return on Equity (ROE) | 8.0400% | 3,009 |
| Retained earnings to average equity (ytd only) | 3.9066% | 2,992 |
| Net charge-offs to loans | 0.0261% | 1,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 34.8276% | 1,535 |
| Efficiency ratio | 82.3581% | 756 |
| Assets per employee ($millions) | 6.6446% | 2,308 |
| Cash dividends to net income (ytd only)* | 51.4315% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,465 |
| Loan loss allowance to noncurrent loans | 4,325.0000% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,613 |
| Noncurrent loans to loans | 0.0270% | 3,549 |
| Net loans and leases to total assets | 70.4800% | 1,753 |
| Net loans and leases to deposits | 77.9248% | 2,272 |
| Net loans and leases to core deposits | 82.4060% | 2,559 |
| Total domestic deposits to total assets | 90.4400% | 639 |
| Equity capital to assets | 8.0528% | 3,375 |
| Core capital (leverage) ratio | 8.7858% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6091% | 2,378 |
| Memoranda: | ||
| Average total assets | $167,468,000 | 3,206 |
| Average earning assets | $153,491,200 | 3,218 |
| Average equity | $12,158,800 | 3,509 |
| Average total loans | $110,934,200 | 3,047 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 2,086 |
| Cost of funding earning assets | 1.7852% | 1,035 |
| Net interest margin | 3.1038% | 3,134 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.8302% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4625% | 3,845 |
| Return on assets (ROA) | 0.4640% | 3,840 |
| Pretax return on assets | 0.4815% | 3,936 |
| Return on Equity (ROE) | 6.5700% | 3,528 |
| Retained earnings to average equity (ytd only) | 2.6431% | 3,598 |
| Net charge-offs to loans | 0.0183% | 1,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 40.2667% | 1,439 |
| Efficiency ratio | 85.5017% | 533 |
| Assets per employee ($millions) | 5.9821% | 2,776 |
| Cash dividends to net income (ytd only)* | 59.7603% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,070 |
| Loan loss allowance to noncurrent loans | 3,781.0811% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,588 |
| Noncurrent loans to loans | 0.0332% | 3,532 |
| Net loans and leases to total assets | 68.0700% | 2,037 |
| Net loans and leases to deposits | 78.2873% | 2,223 |
| Net loans and leases to core deposits | 82.9884% | 2,395 |
| Total domestic deposits to total assets | 86.9600% | 1,909 |
| Equity capital to assets | 7.5899% | 3,300 |
| Core capital (leverage) ratio | 8.2959% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8393% | 2,328 |
| Memoranda: | ||
| Average total assets | $167,806,000 | 3,215 |
| Average earning assets | $154,000,250 | 3,226 |
| Average equity | $11,854,250 | 3,535 |
| Average total loans | $109,053,000 | 3,072 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 2,298 |
| Cost of funding earning assets | 1.5913% | 1,085 |
| Net interest margin | 3.0621% | 3,294 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.7404% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4827% | 3,840 |
| Return on assets (ROA) | 0.4850% | 3,847 |
| Pretax return on assets | 0.5038% | 3,961 |
| Return on Equity (ROE) | 7.0300% | 3,473 |
| Retained earnings to average equity (ytd only) | 2.4233% | 3,619 |
| Net charge-offs to loans | -0.0037% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.5316% | 565 |
| Assets per employee ($millions) | 6.4361% | 2,346 |
| Cash dividends to net income (ytd only)* | 65.5340% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,136 |
| Loan loss allowance to noncurrent loans | 573.2794% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,556 |
| Noncurrent loans to loans | 0.2195% | 2,387 |
| Net loans and leases to total assets | 63.9300% | 2,393 |
| Net loans and leases to deposits | 75.3491% | 2,378 |
| Net loans and leases to core deposits | 79.4850% | 2,508 |
| Total domestic deposits to total assets | 84.8500% | 2,584 |
| Equity capital to assets | 6.8646% | 3,866 |
| Core capital (leverage) ratio | 8.0638% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5807% | 2,442 |
| Memoranda: | ||
| Average total assets | $169,902,000 | 3,213 |
| Average earning assets | $155,970,667 | 3,222 |
| Average equity | $11,719,333 | 3,563 |
| Average total loans | $108,286,667 | 3,076 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 2,505 |
| Cost of funding earning assets | 1.3044% | 1,221 |
| Net interest margin | 3.1145% | 3,318 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.8530% | 1,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3835% | 4,113 |
| Return on assets (ROA) | 0.3858% | 4,059 |
| Pretax return on assets | 0.4001% | 4,134 |
| Return on Equity (ROE) | 5.5800% | 3,790 |
| Retained earnings to average equity (ytd only) | 0.5855% | 3,935 |
| Net charge-offs to loans | 0.0339% | 1,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 18.5556% | 1,484 |
| Efficiency ratio | 87.7656% | 429 |
| Assets per employee ($millions) | 6.4879% | 2,351 |
| Cash dividends to net income (ytd only)* | 89.5062% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,058 |
| Loan loss allowance to noncurrent loans | 996.4539% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 2,967 |
| Noncurrent loans to loans | 0.1299% | 2,861 |
| Net loans and leases to total assets | 63.5200% | 2,295 |
| Net loans and leases to deposits | 74.5651% | 2,256 |
| Net loans and leases to core deposits | 78.7689% | 2,337 |
| Total domestic deposits to total assets | 85.1900% | 2,806 |
| Equity capital to assets | 7.0118% | 3,823 |
| Core capital (leverage) ratio | 8.2223% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0062% | 2,383 |
| Memoranda: | ||
| Average total assets | $167,965,500 | 3,276 |
| Average earning assets | $154,248,500 | 3,276 |
| Average equity | $11,614,500 | 3,606 |
| Average total loans | $106,173,500 | 3,133 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7761% | 2,343 |
| Cost of funding earning assets | 0.6465% | 727 |
| Net interest margin | 3.1296% | 3,085 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.7633% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6002% | 3,883 |
| Return on assets (ROA) | 0.6019% | 3,832 |
| Pretax return on assets | 0.6235% | 3,990 |
| Return on Equity (ROE) | 8.4100% | 3,274 |
| Retained earnings to average equity (ytd only) | -0.9312% | 4,445 |
| Net charge-offs to loans | 0.0692% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 14.7857% | 2,019 |
| Efficiency ratio | 81.6327% | 615 |
| Assets per employee ($millions) | 6.4325% | 2,393 |
| Cash dividends to net income (ytd only)* | 111.0778% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 1,643 |
| Loan loss allowance to noncurrent loans | 6,427.2727% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,745 |
| Noncurrent loans to loans | 0.0212% | 3,654 |
| Net loans and leases to total assets | 61.2200% | 2,524 |
| Net loans and leases to deposits | 66.7695% | 2,838 |
| Net loans and leases to core deposits | 73.6072% | 2,600 |
| Total domestic deposits to total assets | 91.6800% | 725 |
| Equity capital to assets | 6.8169% | 3,759 |
| Core capital (leverage) ratio | 8.1252% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3763% | 2,211 |
| Memoranda: | ||
| Average total assets | $166,469,600 | 3,290 |
| Average earning assets | $153,758,400 | 3,286 |
| Average equity | $11,920,200 | 3,677 |
| Average total loans | $101,184,000 | 3,138 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 2,314 |
| Cost of funding earning assets | 0.4956% | 761 |
| Net interest margin | 3.1158% | 2,883 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.7680% | 1,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5975% | 3,842 |
| Return on assets (ROA) | 0.5998% | 3,791 |
| Pretax return on assets | 0.6238% | 3,945 |
| Return on Equity (ROE) | 8.2800% | 3,247 |
| Retained earnings to average equity (ytd only) | -0.8520% | 4,411 |
| Net charge-offs to loans | 0.0252% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 40.7895% | 1,376 |
| Efficiency ratio | 81.6655% | 673 |
| Assets per employee ($millions) | 6.1680% | 2,606 |
| Cash dividends to net income (ytd only)* | 110.2941% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,477 |
| Loan loss allowance to noncurrent loans | 2,872.5490% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,615 |
| Noncurrent loans to loans | 0.0502% | 3,516 |
| Net loans and leases to total assets | 60.1200% | 2,492 |
| Net loans and leases to deposits | 65.0523% | 2,788 |
| Net loans and leases to core deposits | 72.5202% | 2,445 |
| Total domestic deposits to total assets | 92.4200% | 737 |
| Equity capital to assets | 6.7625% | 3,632 |
| Core capital (leverage) ratio | 8.0686% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4630% | 2,280 |
| Memoranda: | ||
| Average total assets | $166,275,750 | 3,321 |
| Average earning assets | $153,880,000 | 3,312 |
| Average equity | $12,050,000 | 3,706 |
| Average total loans | $100,531,250 | 3,150 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 2,266 |
| Cost of funding earning assets | 0.3348% | 1,399 |
| Net interest margin | 3.1234% | 2,463 |
| Noninterest income to average assets | 0.4922% | 2,248 |
| Noninterest expense to average assets | 2.7415% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6222% | 3,562 |
| Return on assets (ROA) | 0.6234% | 3,510 |
| Pretax return on assets | 0.6487% | 3,719 |
| Return on Equity (ROE) | 8.4141% | 2,891 |
| Retained earnings to average equity (ytd only) | -2.6802% | 4,434 |
| Net charge-offs to loans | 0.0399% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 26.9000% | 1,438 |
| Efficiency ratio | 80.8949% | 879 |
| Assets per employee ($millions) | 6.3680% | 2,420 |
| Cash dividends to net income (ytd only)* | 131.8533% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,550 |
| Loan loss allowance to noncurrent loans | 5,856.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,877 |
| Noncurrent loans to loans | 0.0248% | 3,775 |
| Net loans and leases to total assets | 57.7663% | 2,555 |
| Net loans and leases to deposits | 62.4488% | 2,854 |
| Net loans and leases to core deposits | 69.4242% | 2,528 |
| Total domestic deposits to total assets | 92.5019% | 651 |
| Equity capital to assets | 6.7217% | 3,931 |
| Core capital (leverage) ratio | 7.8726% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2541% | 2,392 |
| Memoranda: | ||
| Average total assets | $166,189,000 | 3,361 |
| Average earning assets | $154,125,667 | 3,355 |
| Average equity | $12,312,667 | 3,757 |
| Average total loans | $100,180,000 | 3,184 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 2,177 |
| Cost of funding earning assets | 0.2477% | 2,185 |
| Net interest margin | 3.1225% | 2,102 |
| Noninterest income to average assets | 0.4654% | 2,328 |
| Noninterest expense to average assets | 2.8485% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4996% | 3,717 |
| Return on assets (ROA) | 0.4996% | 3,682 |
| Pretax return on assets | 0.5192% | 3,837 |
| Return on Equity (ROE) | 6.4300% | 3,208 |
| Retained earnings to average equity (ytd only) | -1.0717% | 4,151 |
| Net charge-offs to loans | 0.0441% | 845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 19.2727% | 1,290 |
| Efficiency ratio | 84.5818% | 810 |
| Assets per employee ($millions) | 6.2407% | 2,606 |
| Cash dividends to net income (ytd only)* | 116.6667% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,561 |
| Loan loss allowance to noncurrent loans | 4,603.1250% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,635 |
| Noncurrent loans to loans | 0.0325% | 3,750 |
| Net loans and leases to total assets | 57.5713% | 2,346 |
| Net loans and leases to deposits | 62.5819% | 2,666 |
| Net loans and leases to core deposits | 69.7556% | 2,310 |
| Total domestic deposits to total assets | 91.9934% | 578 |
| Equity capital to assets | 7.2178% | 4,094 |
| Core capital (leverage) ratio | 8.0511% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,315,500 | 3,394 |
| Average earning assets | $151,803,500 | 3,391 |
| Average equity | $12,690,500 | 3,791 |
| Average total loans | $99,877,500 | 3,193 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 1,153 |
| Cost of funding earning assets | 0.2610% | 2,795 |
| Net interest margin | 3.8430% | 935 |
| Noninterest income to average assets | 0.6444% | 1,966 |
| Noninterest expense to average assets | 2.8059% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3381% | 1,481 |
| Return on assets (ROA) | 1.3413% | 1,506 |
| Pretax return on assets | 1.3977% | 2,061 |
| Return on Equity (ROE) | 15.6358% | 815 |
| Retained earnings to average equity (ytd only) | 5.1482% | 2,726 |
| Net charge-offs to loans | 0.0206% | 1,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 106.2500% | 854 |
| Efficiency ratio | 66.8021% | 2,147 |
| Assets per employee ($millions) | 5.8567% | 2,900 |
| Cash dividends to net income (ytd only)* | 67.0744% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.1061% | 1,810 |
| Net loans and leases to deposits | 73.3191% | 1,789 |
| Net loans and leases to core deposits | 82.8540% | 1,394 |
| Total domestic deposits to total assets | 86.0705% | 2,871 |
| Equity capital to assets | 8.3595% | 4,139 |
| Core capital (leverage) ratio | 8.8212% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,394,400 | 3,463 |
| Average earning assets | $141,008,000 | 3,462 |
| Average equity | $13,072,600 | 3,822 |
| Average total loans | $97,163,000 | 3,234 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 1,364 |
| Cost of funding earning assets | 0.2700% | 2,898 |
| Net interest margin | 3.8034% | 1,113 |
| Noninterest income to average assets | 0.6527% | 1,996 |
| Noninterest expense to average assets | 2.8281% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2835% | 1,874 |
| Return on assets (ROA) | 1.2868% | 1,922 |
| Pretax return on assets | 1.3487% | 2,491 |
| Return on Equity (ROE) | 14.9019% | 1,163 |
| Retained earnings to average equity (ytd only) | 1.7899% | 4,249 |
| Net charge-offs to loans | 0.0180% | 1,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 117.1538% | 789 |
| Efficiency ratio | 67.7672% | 1,865 |
| Assets per employee ($millions) | 5.8888% | 2,799 |
| Cash dividends to net income (ytd only)* | 87.9890% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 1,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.1497% | 2,242 |
| Net loans and leases to deposits | 66.4277% | 2,589 |
| Net loans and leases to core deposits | 74.2927% | 2,206 |
| Total domestic deposits to total assets | 90.5492% | 535 |
| Equity capital to assets | 8.5352% | 4,188 |
| Core capital (leverage) ratio | 8.6280% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,960,000 | 3,511 |
| Average earning assets | $139,730,250 | 3,509 |
| Average equity | $13,036,000 | 3,878 |
| Average total loans | $96,135,000 | 3,289 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 1,540 |
| Cost of funding earning assets | 0.2772% | 3,016 |
| Net interest margin | 3.7353% | 1,254 |
| Noninterest income to average assets | 0.6416% | 2,032 |
| Noninterest expense to average assets | 2.7915% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2341% | 2,067 |
| Return on assets (ROA) | 1.2367% | 2,126 |
| Pretax return on assets | 1.2966% | 2,638 |
| Return on Equity (ROE) | 14.2645% | 1,331 |
| Retained earnings to average equity (ytd only) | -1.7504% | 4,659 |
| Net charge-offs to loans | 0.0206% | 1,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 97.2000% | 765 |
| Efficiency ratio | 68.3284% | 1,837 |
| Assets per employee ($millions) | 5.9315% | 2,687 |
| Cash dividends to net income (ytd only)* | 112.2713% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 1,528 |
| Loan loss allowance to noncurrent loans | 1,436.5385% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,765 |
| Noncurrent loans to loans | 0.1057% | 3,661 |
| Net loans and leases to total assets | 62.8282% | 2,080 |
| Net loans and leases to deposits | 69.1905% | 2,494 |
| Net loans and leases to core deposits | 77.6623% | 2,078 |
| Total domestic deposits to total assets | 90.8046% | 437 |
| Equity capital to assets | 8.2915% | 4,359 |
| Core capital (leverage) ratio | 8.3073% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,244,000 | 3,526 |
| Average earning assets | $138,514,667 | 3,531 |
| Average equity | $13,025,333 | 3,893 |
| Average total loans | $96,985,000 | 3,297 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 2,042 |
| Cost of funding earning assets | 0.2865% | 3,133 |
| Net interest margin | 3.5345% | 1,736 |
| Noninterest income to average assets | 0.8310% | 1,509 |
| Noninterest expense to average assets | 2.7925% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2411% | 2,004 |
| Return on assets (ROA) | 1.2411% | 2,089 |
| Pretax return on assets | 1.3004% | 2,573 |
| Return on Equity (ROE) | 13.9983% | 1,427 |
| Retained earnings to average equity (ytd only) | 9.3423% | 1,848 |
| Net charge-offs to loans | 0.0125% | 1,503 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 160.6667% | 465 |
| Efficiency ratio | 68.2268% | 1,905 |
| Assets per employee ($millions) | 5.7579% | 2,837 |
| Cash dividends to net income (ytd only)* | 33.2609% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,471 |
| Loan loss allowance to noncurrent loans | 3,848.7179% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,186 |
| Noncurrent loans to loans | 0.0400% | 4,083 |
| Net loans and leases to total assets | 61.7941% | 2,307 |
| Net loans and leases to deposits | 68.2357% | 2,678 |
| Net loans and leases to core deposits | 76.5218% | 2,307 |
| Total domestic deposits to total assets | 90.5598% | 561 |
| Equity capital to assets | 8.5204% | 4,095 |
| Core capital (leverage) ratio | 8.6970% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,256,500 | 3,544 |
| Average earning assets | $136,823,000 | 3,551 |
| Average equity | $13,144,500 | 3,888 |
| Average total loans | $96,284,000 | 3,320 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 673 |
| Cost of funding earning assets | 0.4837% | 3,054 |
| Net interest margin | 4.3650% | 439 |
| Noninterest income to average assets | 0.7774% | 1,601 |
| Noninterest expense to average assets | 3.0952% | 1,241 |
| Loan and lease loss provision to assets | 0.1571% | 2,405 |
| Net operating income to assets | 1.4927% | 826 |
| Return on assets (ROA) | 1.4948% | 898 |
| Pretax return on assets | 1.5652% | 1,146 |
| Return on Equity (ROE) | 15.9671% | 508 |
| Retained earnings to average equity (ytd only) | 7.7758% | 1,123 |
| Net charge-offs to loans | 0.0426% | 2,208 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 54.7381% | 1,125 |
| Efficiency ratio | 64.2791% | 2,776 |
| Assets per employee ($millions) | 5.0375% | 3,353 |
| Cash dividends to net income (ytd only)* | 51.3013% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 1,343 |
| Loan loss allowance to noncurrent loans | 10,026.6667% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,377 |
| Noncurrent loans to loans | 0.0158% | 4,300 |
| Net loans and leases to total assets | 66.2857% | 2,052 |
| Net loans and leases to deposits | 73.8667% | 2,498 |
| Net loans and leases to core deposits | 83.7485% | 2,059 |
| Total domestic deposits to total assets | 89.7370% | 664 |
| Equity capital to assets | 9.2471% | 3,841 |
| Core capital (leverage) ratio | 9.1983% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,659,200 | 3,578 |
| Average earning assets | $123,642,400 | 3,586 |
| Average equity | $12,513,200 | 3,917 |
| Average total loans | $98,577,800 | 3,253 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 736 |
| Cost of funding earning assets | 0.5256% | 3,075 |
| Net interest margin | 4.3675% | 501 |
| Noninterest income to average assets | 0.7849% | 1,550 |
| Noninterest expense to average assets | 3.0861% | 1,255 |
| Loan and lease loss provision to assets | 0.1722% | 2,261 |
| Net operating income to assets | 1.5063% | 892 |
| Return on assets (ROA) | 1.5082% | 968 |
| Pretax return on assets | 1.5800% | 1,242 |
| Return on Equity (ROE) | 16.0568% | 541 |
| Retained earnings to average equity (ytd only) | 7.2907% | 1,593 |
| Net charge-offs to loans | 0.0576% | 1,785 |
| Credit loss provision to net charge-offs | 395.3488% | 1,471 |
| Earnings coverage of net charge-offs (x) | 40.2326% | 1,355 |
| Efficiency ratio | 63.8151% | 2,764 |
| Assets per employee ($millions) | 4.9652% | 3,293 |
| Cash dividends to net income (ytd only)* | 54.5942% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 1,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.6821% | 1,558 |
| Net loans and leases to deposits | 81.8957% | 2,108 |
| Net loans and leases to core deposits | 92.7054% | 1,739 |
| Total domestic deposits to total assets | 88.7496% | 876 |
| Equity capital to assets | 9.1846% | 3,965 |
| Core capital (leverage) ratio | 8.9369% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,811,500 | 3,589 |
| Average earning assets | $122,264,750 | 3,592 |
| Average equity | $12,380,750 | 3,941 |
| Average total loans | $99,472,250 | 3,247 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,050 |
| Cost of funding earning assets | 0.5881% | 3,026 |
| Net interest margin | 4.2648% | 806 |
| Noninterest income to average assets | 0.8099% | 1,407 |
| Noninterest expense to average assets | 3.1080% | 1,339 |
| Loan and lease loss provision to assets | 0.1700% | 2,308 |
| Net operating income to assets | 1.4311% | 1,051 |
| Return on assets (ROA) | 1.4311% | 1,138 |
| Pretax return on assets | 1.4991% | 1,457 |
| Return on Equity (ROE) | 15.1167% | 692 |
| Retained earnings to average equity (ytd only) | 4.3587% | 2,756 |
| Net charge-offs to loans | 0.0873% | 1,376 |
| Credit loss provision to net charge-offs | 255.8140% | 1,736 |
| Earnings coverage of net charge-offs (x) | 25.1163% | 1,561 |
| Efficiency ratio | 65.0599% | 2,652 |
| Assets per employee ($millions) | 5.2492% | 2,886 |
| Cash dividends to net income (ytd only)* | 71.1663% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 1,710 |
| Loan loss allowance to noncurrent loans | 140,300.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,410 |
| Noncurrent loans to loans | 0.0010% | 4,532 |
| Net loans and leases to total assets | 68.9736% | 2,192 |
| Net loans and leases to deposits | 76.1750% | 2,842 |
| Net loans and leases to core deposits | 88.9279% | 2,165 |
| Total domestic deposits to total assets | 90.5462% | 264 |
| Equity capital to assets | 8.4142% | 4,523 |
| Core capital (leverage) ratio | 8.8824% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,406,667 | 3,604 |
| Average earning assets | $120,380,333 | 3,596 |
| Average equity | $12,251,333 | 3,956 |
| Average total loans | $98,459,667 | 3,262 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1800% | 684 |
| Cost of funding earning assets | 0.7569% | 2,625 |
| Net interest margin | 4.4231% | 595 |
| Noninterest income to average assets | 0.7992% | 1,317 |
| Noninterest expense to average assets | 3.3825% | 1,096 |
| Loan and lease loss provision to assets | 0.1326% | 2,068 |
| Net operating income to assets | 1.3164% | 1,199 |
| Return on assets (ROA) | 1.3132% | 1,306 |
| Pretax return on assets | 1.3696% | 1,656 |
| Return on Equity (ROE) | 12.9905% | 886 |
| Retained earnings to average equity (ytd only) | 9.4477% | 858 |
| Net charge-offs to loans | 0.1288% | 944 |
| Credit loss provision to net charge-offs | 129.0323% | 1,672 |
| Earnings coverage of net charge-offs (x) | 14.6452% | 1,589 |
| Efficiency ratio | 69.1995% | 2,483 |
| Assets per employee ($millions) | 4.3935% | 3,417 |
| Cash dividends to net income (ytd only)* | 27.2727% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 1,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,457 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 77.5084% | 1,052 |
| Net loans and leases to deposits | 87.4233% | 1,813 |
| Net loans and leases to core deposits | 100.8642% | 1,410 |
| Total domestic deposits to total assets | 88.6587% | 819 |
| Equity capital to assets | 10.0862% | 3,699 |
| Core capital (leverage) ratio | 9.9949% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,621,000 | 3,692 |
| Average earning assets | $111,505,000 | 3,693 |
| Average equity | $12,193,500 | 3,972 |
| Average total loans | $96,300,000 | 3,273 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3230% | 784 |
| Cost of funding earning assets | 0.9458% | 1,979 |
| Net interest margin | 4.3772% | 939 |
| Noninterest income to average assets | 0.5956% | 2,246 |
| Noninterest expense to average assets | 3.2413% | 1,426 |
| Loan and lease loss provision to assets | 0.1809% | 1,145 |
| Net operating income to assets | 1.1303% | 2,338 |
| Return on assets (ROA) | 1.1718% | 2,266 |
| Pretax return on assets | 1.2274% | 2,740 |
| Return on Equity (ROE) | 12.2889% | 1,401 |
| Retained earnings to average equity (ytd only) | 7.1987% | 1,311 |
| Net charge-offs to loans | 0.0625% | 2,206 |
| Credit loss provision to net charge-offs | 364.4068% | 768 |
| Earnings coverage of net charge-offs (x) | 27.4915% | 1,664 |
| Efficiency ratio | 70.3744% | 2,118 |
| Assets per employee ($millions) | 4.0767% | 3,819 |
| Cash dividends to net income (ytd only)* | 41.4214% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 1,552 |
| Loan loss allowance to noncurrent loans | 1,068.8000% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 4,097 |
| Noncurrent loans to loans | 0.1303% | 3,998 |
| Net loans and leases to total assets | 79.9920% | 796 |
| Net loans and leases to deposits | 90.3428% | 1,546 |
| Net loans and leases to core deposits | 104.5319% | 1,196 |
| Total domestic deposits to total assets | 88.5428% | 864 |
| Equity capital to assets | 10.1325% | 3,804 |
| Core capital (leverage) ratio | 10.0223% | 3,494 |
| Tier 1 risk-based capital ratio | 12.1334% | 4,281 |
| Total risk-based capital ratio | 13.3849% | 4,170 |
| Memoranda: | ||
| Average total assets | $118,873,200 | 3,721 |
| Average earning assets | $108,905,200 | 3,731 |
| Average equity | $11,335,400 | 4,075 |
| Average total loans | $94,388,000 | 3,308 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3067% | 854 |
| Cost of funding earning assets | 0.9791% | 1,849 |
| Net interest margin | 4.3276% | 1,108 |
| Noninterest income to average assets | 0.2767% | 4,098 |
| Noninterest expense to average assets | 3.1934% | 1,480 |
| Loan and lease loss provision to assets | 0.1512% | 1,249 |
| Net operating income to assets | 0.8513% | 3,517 |
| Return on assets (ROA) | 0.8513% | 3,599 |
| Pretax return on assets | 0.8927% | 3,892 |
| Return on Equity (ROE) | 9.0681% | 2,861 |
| Retained earnings to average equity (ytd only) | 3.3050% | 3,756 |
| Net charge-offs to loans | 0.0667% | 1,875 |
| Credit loss provision to net charge-offs | 287.2340% | 977 |
| Earnings coverage of net charge-offs (x) | 19.8283% | 1,984 |
| Efficiency ratio | 75.3635% | 1,404 |
| Assets per employee ($millions) | 4.0576% | 3,826 |
| Cash dividends to net income (ytd only)* | 63.5521% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 1,768 |
| Loan loss allowance to noncurrent loans | 880.5556% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 3,850 |
| Noncurrent loans to loans | 0.1534% | 3,991 |
| Net loans and leases to total assets | 78.6974% | 1,031 |
| Net loans and leases to deposits | 88.5561% | 1,860 |
| Net loans and leases to core deposits | 102.3882% | 1,466 |
| Total domestic deposits to total assets | 88.8673% | 664 |
| Equity capital to assets | 9.7297% | 4,263 |
| Core capital (leverage) ratio | 9.5939% | 4,070 |
| Tier 1 risk-based capital ratio | 11.7996% | 4,517 |
| Total risk-based capital ratio | 13.0503% | 4,409 |
| Memoranda: | ||
| Average total assets | $119,035,750 | 3,759 |
| Average earning assets | $108,942,250 | 3,769 |
| Average equity | $11,174,500 | 4,133 |
| Average total loans | $94,008,750 | 3,360 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 931 |
| Cost of funding earning assets | 0.9751% | 1,812 |
| Net interest margin | 4.2525% | 1,234 |
| Noninterest income to average assets | 0.0452% | 5,178 |
| Noninterest expense to average assets | 3.0981% | 1,732 |
| Loan and lease loss provision to assets | 0.1506% | 1,217 |
| Net operating income to assets | 0.6477% | 4,176 |
| Return on assets (ROA) | 0.6477% | 4,225 |
| Pretax return on assets | 0.6796% | 4,377 |
| Return on Equity (ROE) | 6.9837% | 3,687 |
| Retained earnings to average equity (ytd only) | 0.5955% | 4,538 |
| Net charge-offs to loans | 0.0829% | 1,529 |
| Credit loss provision to net charge-offs | 230.7692% | 1,086 |
| Earnings coverage of net charge-offs (x) | 12.7179% | 2,136 |
| Efficiency ratio | 78.8666% | 1,068 |
| Assets per employee ($millions) | 4.1388% | 3,670 |
| Cash dividends to net income (ytd only)* | 91.4729% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,075 |
| Loan loss allowance to noncurrent loans | 618.5930% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,681 |
| Noncurrent loans to loans | 0.2079% | 3,800 |
| Net loans and leases to total assets | 78.7126% | 1,087 |
| Net loans and leases to deposits | 88.1550% | 1,987 |
| Net loans and leases to core deposits | 101.1694% | 1,620 |
| Total domestic deposits to total assets | 89.2888% | 543 |
| Equity capital to assets | 9.3356% | 4,545 |
| Core capital (leverage) ratio | 9.3787% | 4,274 |
| Tier 1 risk-based capital ratio | 11.3913% | 4,740 |
| Total risk-based capital ratio | 12.6412% | 4,634 |
| Memoranda: | ||
| Average total assets | $119,490,670 | 3,773 |
| Average earning assets | $109,112,330 | 3,790 |
| Average equity | $11,083,000 | 4,159 |
| Average total loans | $94,054,330 | 3,375 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 1,065 |
| Cost of funding earning assets | 0.9616% | 1,740 |
| Net interest margin | 4.1558% | 1,417 |
| Noninterest income to average assets | -0.4294% | 5,348 |
| Noninterest expense to average assets | 3.0699% | 1,805 |
| Loan and lease loss provision to assets | 0.2349% | 642 |
| Net operating income to assets | 0.0403% | 5,124 |
| Return on assets (ROA) | 0.0403% | 5,127 |
| Pretax return on assets | 0.0503% | 5,122 |
| Return on Equity (ROE) | 0.4355% | 5,124 |
| Retained earnings to average equity (ytd only) | -5.2985% | 4,938 |
| Net charge-offs to loans | 0.0043% | 2,559 |
| Credit loss provision to net charge-offs | 7,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 731 |
| Efficiency ratio | 91.5000% | 343 |
| Assets per employee ($millions) | 4.1348% | 3,716 |
| Cash dividends to net income (ytd only)* | 1,316.6667% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 1,858 |
| Loan loss allowance to noncurrent loans | 905.0725% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 2,284 |
| Noncurrent loans to loans | 0.1494% | 4,065 |
| Net loans and leases to total assets | 75.9883% | 1,479 |
| Net loans and leases to deposits | 84.9384% | 2,268 |
| Net loans and leases to core deposits | 97.2236% | 1,838 |
| Total domestic deposits to total assets | 89.4628% | 659 |
| Equity capital to assets | 9.1520% | 4,578 |
| Core capital (leverage) ratio | 9.2183% | 4,451 |
| Tier 1 risk-based capital ratio | 11.5436% | 4,721 |
| Total risk-based capital ratio | 12.7943% | 4,608 |
| Memoranda: | ||
| Average total assets | $119,224,000 | 3,815 |
| Average earning assets | $108,572,000 | 3,838 |
| Average equity | $11,022,000 | 4,185 |
| Average total loans | $93,229,000 | 3,423 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 1,264 |
| Cost of funding earning assets | 0.7933% | 1,557 |
| Net interest margin | 4.1136% | 1,640 |
| Noninterest income to average assets | 0.6661% | 1,982 |
| Noninterest expense to average assets | 3.2189% | 1,504 |
| Loan and lease loss provision to assets | 0.5191% | 223 |
| Net operating income to assets | 0.6741% | 4,222 |
| Return on assets (ROA) | 0.6741% | 4,228 |
| Pretax return on assets | 0.7031% | 4,407 |
| Return on Equity (ROE) | 7.5730% | 3,630 |
| Retained earnings to average equity (ytd only) | 1.0380% | 4,697 |
| Net charge-offs to loans | 0.6289% | 269 |
| Credit loss provision to net charge-offs | 104.8701% | 2,426 |
| Earnings coverage of net charge-offs (x) | 2.4692% | 3,515 |
| Efficiency ratio | 72.4806% | 1,843 |
| Assets per employee ($millions) | 4.2336% | 3,565 |
| Cash dividends to net income (ytd only)* | 86.2932% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,275 |
| Loan loss allowance to noncurrent loans | 1,735.2941% | 405 |
| Noncurrent assets plus other real estate owned to assets | 1.4476% | 817 |
| Noncurrent loans to loans | 0.0723% | 4,432 |
| Net loans and leases to total assets | 78.3811% | 1,206 |
| Net loans and leases to deposits | 89.9588% | 1,807 |
| Net loans and leases to core deposits | 103.1244% | 1,497 |
| Total domestic deposits to total assets | 87.1301% | 1,714 |
| Equity capital to assets | 9.3386% | 4,287 |
| Core capital (leverage) ratio | 9.3369% | 4,317 |
| Tier 1 risk-based capital ratio | 11.5058% | 4,729 |
| Total risk-based capital ratio | 12.7237% | 4,641 |
| Memoranda: | ||
| Average total assets | $124,454,200 | 3,723 |
| Average earning assets | $114,206,400 | 3,740 |
| Average equity | $11,078,800 | 4,147 |
| Average total loans | $97,945,800 | 3,341 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8359% | 1,329 |
| Cost of funding earning assets | 0.7663% | 1,499 |
| Net interest margin | 4.0696% | 1,725 |
| Noninterest income to average assets | 0.6395% | 2,121 |
| Noninterest expense to average assets | 3.0936% | 1,778 |
| Loan and lease loss provision to assets | 0.2964% | 497 |
| Net operating income to assets | 0.9645% | 3,242 |
| Return on assets (ROA) | 0.9645% | 3,257 |
| Pretax return on assets | 0.9995% | 3,720 |
| Return on Equity (ROE) | 10.9615% | 2,198 |
| Retained earnings to average equity (ytd only) | 3.0923% | 4,200 |
| Net charge-offs to loans | 0.5891% | 253 |
| Credit loss provision to net charge-offs | 64.0732% | 2,697 |
| Earnings coverage of net charge-offs (x) | 2.8009% | 3,219 |
| Efficiency ratio | 70.4776% | 2,123 |
| Assets per employee ($millions) | 4.0165% | 3,861 |
| Cash dividends to net income (ytd only)* | 71.7892% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 3,364 |
| Loan loss allowance to noncurrent loans | 324.5098% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6225% | 769 |
| Noncurrent loans to loans | 0.3292% | 3,490 |
| Net loans and leases to total assets | 76.3100% | 1,618 |
| Net loans and leases to deposits | 89.2665% | 1,985 |
| Net loans and leases to core deposits | 104.1372% | 1,445 |
| Total domestic deposits to total assets | 85.4856% | 2,404 |
| Equity capital to assets | 9.2876% | 4,294 |
| Core capital (leverage) ratio | 9.2287% | 4,483 |
| Tier 1 risk-based capital ratio | 11.6416% | 4,712 |
| Total risk-based capital ratio | 12.6655% | 4,721 |
| Memoranda: | ||
| Average total assets | $125,932,750 | 3,729 |
| Average earning assets | $116,046,000 | 3,754 |
| Average equity | $11,081,000 | 4,189 |
| Average total loans | $98,909,000 | 3,342 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 1,161 |
| Cost of funding earning assets | 0.7264% | 1,492 |
| Net interest margin | 4.1080% | 1,532 |
| Noninterest income to average assets | 0.6278% | 2,191 |
| Noninterest expense to average assets | 3.0404% | 1,939 |
| Loan and lease loss provision to assets | 0.3288% | 411 |
| Net operating income to assets | 1.0004% | 3,018 |
| Return on assets (ROA) | 1.0004% | 3,016 |
| Pretax return on assets | 1.0568% | 3,486 |
| Return on Equity (ROE) | 11.5715% | 1,881 |
| Retained earnings to average equity (ytd only) | 2.7525% | 4,151 |
| Net charge-offs to loans | 0.0932% | 1,415 |
| Credit loss provision to net charge-offs | 446.8085% | 765 |
| Earnings coverage of net charge-offs (x) | 18.8298% | 1,878 |
| Efficiency ratio | 68.6947% | 2,529 |
| Assets per employee ($millions) | 4.2688% | 3,474 |
| Cash dividends to net income (ytd only)* | 76.2128% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 1,998 |
| Loan loss allowance to noncurrent loans | 419.4888% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 2,247 |
| Noncurrent loans to loans | 0.3188% | 3,568 |
| Net loans and leases to total assets | 78.2495% | 1,273 |
| Net loans and leases to deposits | 87.8017% | 2,132 |
| Net loans and leases to core deposits | 100.5303% | 1,690 |
| Total domestic deposits to total assets | 89.1207% | 887 |
| Equity capital to assets | 8.9470% | 4,602 |
| Core capital (leverage) ratio | 8.7926% | 4,891 |
| Tier 1 risk-based capital ratio | 11.1356% | 4,981 |
| Total risk-based capital ratio | 12.3860% | 4,885 |
| Memoranda: | ||
| Average total assets | $127,745,670 | 3,738 |
| Average earning assets | $118,111,000 | 3,742 |
| Average equity | $11,044,330 | 4,226 |
| Average total loans | $100,898,000 | 3,321 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 1,384 |
| Cost of funding earning assets | 0.6688% | 1,613 |
| Net interest margin | 3.9994% | 1,730 |
| Noninterest income to average assets | 0.5797% | 2,368 |
| Noninterest expense to average assets | 2.9972% | 2,068 |
| Loan and lease loss provision to assets | 0.3238% | 387 |
| Net operating income to assets | 0.9158% | 3,225 |
| Return on assets (ROA) | 0.9158% | 3,236 |
| Pretax return on assets | 0.9651% | 3,649 |
| Return on Equity (ROE) | 10.7721% | 2,058 |
| Retained earnings to average equity (ytd only) | 4.6788% | 3,319 |
| Net charge-offs to loans | 0.1174% | 1,079 |
| Credit loss provision to net charge-offs | 350.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 13.9333% | 1,734 |
| Efficiency ratio | 69.9281% | 2,493 |
| Assets per employee ($millions) | 4.4960% | 3,169 |
| Cash dividends to net income (ytd only)* | 56.5657% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 2,672 |
| Loan loss allowance to noncurrent loans | 364.5833% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 3,835 |
| Noncurrent loans to loans | 0.3352% | 3,564 |
| Net loans and leases to total assets | 75.9328% | 1,553 |
| Net loans and leases to deposits | 84.3076% | 2,358 |
| Net loans and leases to core deposits | 100.4913% | 1,650 |
| Total domestic deposits to total assets | 90.0663% | 634 |
| Equity capital to assets | 8.4987% | 4,973 |
| Core capital (leverage) ratio | 8.7195% | 4,973 |
| Tier 1 risk-based capital ratio | 11.1204% | 5,071 |
| Total risk-based capital ratio | 12.3408% | 4,990 |
| Memoranda: | ||
| Average total assets | $129,721,000 | 3,755 |
| Average earning assets | $120,219,000 | 3,743 |
| Average equity | $11,028,500 | 4,272 |
| Average total loans | $102,256,000 | 3,317 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,249 |
| Cost of funding earning assets | 0.5068% | 2,269 |
| Net interest margin | 4.1715% | 1,246 |
| Noninterest income to average assets | 0.6547% | 2,167 |
| Noninterest expense to average assets | 3.1102% | 1,831 |
| Loan and lease loss provision to assets | 0.2474% | 762 |
| Net operating income to assets | 1.1066% | 1,837 |
| Return on assets (ROA) | 1.1066% | 1,856 |
| Pretax return on assets | 1.1519% | 2,975 |
| Return on Equity (ROE) | 12.5941% | 1,058 |
| Retained earnings to average equity (ytd only) | 5.2460% | 1,967 |
| Net charge-offs to loans | 0.2301% | 1,124 |
| Credit loss provision to net charge-offs | 131.5789% | 2,004 |
| Earnings coverage of net charge-offs (x) | 7.4430% | 3,039 |
| Efficiency ratio | 68.9706% | 2,708 |
| Assets per employee ($millions) | 4.4502% | 3,268 |
| Cash dividends to net income (ytd only)* | 58.3458% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,340 |
| Loan loss allowance to noncurrent loans | 143.0348% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 2,462 |
| Noncurrent loans to loans | 0.7710% | 2,284 |
| Net loans and leases to total assets | 79.9120% | 972 |
| Net loans and leases to deposits | 91.9623% | 1,531 |
| Net loans and leases to core deposits | 110.5487% | 970 |
| Total domestic deposits to total assets | 86.8965% | 2,044 |
| Equity capital to assets | 8.5048% | 5,119 |
| Core capital (leverage) ratio | 8.8731% | 4,785 |
| Tier 1 risk-based capital ratio | 10.4619% | 5,378 |
| Total risk-based capital ratio | 11.5524% | 5,365 |
| Memoranda: | ||
| Average total assets | $121,277,600 | 3,871 |
| Average earning assets | $112,068,800 | 3,881 |
| Average equity | $10,655,800 | 4,355 |
| Average total loans | $99,098,200 | 3,368 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 1,215 |
| Cost of funding earning assets | 0.4791% | 2,439 |
| Net interest margin | 4.1859% | 1,186 |
| Noninterest income to average assets | 0.6849% | 2,064 |
| Noninterest expense to average assets | 3.1396% | 1,699 |
| Loan and lease loss provision to assets | 0.2514% | 689 |
| Net operating income to assets | 1.1095% | 2,046 |
| Return on assets (ROA) | 1.1095% | 2,105 |
| Pretax return on assets | 1.1598% | 3,070 |
| Return on Equity (ROE) | 12.5189% | 1,180 |
| Retained earnings to average equity (ytd only) | 3.8704% | 3,616 |
| Net charge-offs to loans | 0.2631% | 823 |
| Credit loss provision to net charge-offs | 116.5803% | 2,052 |
| Earnings coverage of net charge-offs (x) | 6.5440% | 2,977 |
| Efficiency ratio | 68.9909% | 2,710 |
| Assets per employee ($millions) | 4.1498% | 3,742 |
| Cash dividends to net income (ytd only)* | 69.0831% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 3,525 |
| Loan loss allowance to noncurrent loans | 356.9132% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 4,007 |
| Noncurrent loans to loans | 0.3062% | 3,843 |
| Net loans and leases to total assets | 80.6826% | 888 |
| Net loans and leases to deposits | 93.2455% | 1,391 |
| Net loans and leases to core deposits | 112.9624% | 891 |
| Total domestic deposits to total assets | 86.5271% | 2,089 |
| Equity capital to assets | 8.6350% | 5,202 |
| Core capital (leverage) ratio | 8.9236% | 4,831 |
| Tier 1 risk-based capital ratio | 10.4887% | 5,453 |
| Total risk-based capital ratio | 11.5686% | 5,452 |
| Memoranda: | ||
| Average total assets | $119,332,750 | 3,948 |
| Average earning assets | $110,209,250 | 3,952 |
| Average equity | $10,575,750 | 4,407 |
| Average total loans | $97,802,250 | 3,416 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,231 |
| Cost of funding earning assets | 0.4466% | 2,637 |
| Net interest margin | 4.1666% | 1,153 |
| Noninterest income to average assets | 0.6598% | 2,168 |
| Noninterest expense to average assets | 3.1578% | 1,684 |
| Loan and lease loss provision to assets | 0.2551% | 652 |
| Net operating income to assets | 1.0356% | 2,270 |
| Return on assets (ROA) | 1.0356% | 2,314 |
| Pretax return on assets | 1.0866% | 3,231 |
| Return on Equity (ROE) | 11.5805% | 1,432 |
| Retained earnings to average equity (ytd only) | 1.3691% | 4,706 |
| Net charge-offs to loans | 0.1512% | 1,245 |
| Credit loss provision to net charge-offs | 205.4795% | 1,249 |
| Earnings coverage of net charge-offs (x) | 10.8082% | 2,320 |
| Efficiency ratio | 70.1814% | 2,642 |
| Assets per employee ($millions) | 4.1930% | 3,636 |
| Cash dividends to net income (ytd only)* | 88.1773% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,201 |
| Loan loss allowance to noncurrent loans | 171.3650% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 2,623 |
| Noncurrent loans to loans | 0.6820% | 2,709 |
| Net loans and leases to total assets | 80.3308% | 900 |
| Net loans and leases to deposits | 90.0209% | 1,727 |
| Net loans and leases to core deposits | 103.9094% | 1,357 |
| Total domestic deposits to total assets | 89.2357% | 838 |
| Equity capital to assets | 8.6483% | 5,187 |
| Core capital (leverage) ratio | 8.9150% | 4,820 |
| Tier 1 risk-based capital ratio | 10.2731% | 5,551 |
| Total risk-based capital ratio | 11.3983% | 5,538 |
| Memoranda: | ||
| Average total assets | $117,612,330 | 3,996 |
| Average earning assets | $108,386,000 | 4,009 |
| Average equity | $10,517,670 | 4,432 |
| Average total loans | $96,551,330 | 3,445 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 1,231 |
| Cost of funding earning assets | 0.4275% | 2,742 |
| Net interest margin | 4.1328% | 1,139 |
| Noninterest income to average assets | 0.5778% | 2,524 |
| Noninterest expense to average assets | 3.1759% | 1,680 |
| Loan and lease loss provision to assets | 0.2595% | 563 |
| Net operating income to assets | 0.9099% | 2,711 |
| Return on assets (ROA) | 0.9099% | 2,767 |
| Pretax return on assets | 0.9548% | 3,568 |
| Return on Equity (ROE) | 10.0014% | 1,959 |
| Retained earnings to average equity (ytd only) | 5.0958% | 2,833 |
| Net charge-offs to loans | 0.1216% | 1,195 |
| Credit loss provision to net charge-offs | 258.6207% | 865 |
| Earnings coverage of net charge-offs (x) | 12.1034% | 1,857 |
| Efficiency ratio | 72.3404% | 2,514 |
| Assets per employee ($millions) | 4.1787% | 3,699 |
| Cash dividends to net income (ytd only)* | 49.0494% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,300 |
| Loan loss allowance to noncurrent loans | 293.4726% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 3,888 |
| Noncurrent loans to loans | 0.3990% | 3,663 |
| Net loans and leases to total assets | 81.0731% | 682 |
| Net loans and leases to deposits | 90.9481% | 1,432 |
| Net loans and leases to core deposits | 96.2058% | 1,804 |
| Total domestic deposits to total assets | 89.1422% | 1,084 |
| Equity capital to assets | 9.0425% | 4,769 |
| Core capital (leverage) ratio | 9.0913% | 4,630 |
| Tier 1 risk-based capital ratio | 10.7616% | 5,435 |
| Total risk-based capital ratio | 11.9020% | 5,398 |
| Memoranda: | ||
| Average total assets | $115,620,500 | 4,069 |
| Average earning assets | $106,658,000 | 4,073 |
| Average equity | $10,518,500 | 4,464 |
| Average total loans | $95,410,000 | 3,488 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,378 |
| Cost of funding earning assets | 0.3701% | 3,313 |
| Net interest margin | 4.1917% | 1,144 |
| Noninterest income to average assets | 0.7738% | 1,862 |
| Noninterest expense to average assets | 3.2784% | 1,622 |
| Loan and lease loss provision to assets | 0.1595% | 1,552 |
| Net operating income to assets | 1.1350% | 1,747 |
| Return on assets (ROA) | 1.1359% | 1,840 |
| Pretax return on assets | 1.1891% | 2,723 |
| Return on Equity (ROE) | 12.5124% | 1,111 |
| Retained earnings to average equity (ytd only) | 6.9076% | 1,273 |
| Net charge-offs to loans | 0.0467% | 3,101 |
| Credit loss provision to net charge-offs | 424.3902% | 759 |
| Earnings coverage of net charge-offs (x) | 35.8537% | 1,272 |
| Efficiency ratio | 70.8680% | 2,768 |
| Assets per employee ($millions) | 4.0799% | 3,830 |
| Cash dividends to net income (ytd only)* | 44.7942% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,510 |
| Loan loss allowance to noncurrent loans | 113.8332% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 2,272 |
| Noncurrent loans to loans | 0.9985% | 2,094 |
| Net loans and leases to total assets | 82.0743% | 597 |
| Net loans and leases to deposits | 93.2008% | 1,274 |
| Net loans and leases to core deposits | 98.7831% | 1,722 |
| Total domestic deposits to total assets | 88.0618% | 1,601 |
| Equity capital to assets | 9.1537% | 4,642 |
| Core capital (leverage) ratio | 9.2382% | 4,426 |
| Tier 1 risk-based capital ratio | 10.6271% | 5,512 |
| Total risk-based capital ratio | 11.7209% | 5,524 |
| Memoranda: | ||
| Average total assets | $109,076,400 | 4,186 |
| Average earning assets | $100,245,200 | 4,199 |
| Average equity | $9,902,200 | 4,598 |
| Average total loans | $87,877,600 | 3,620 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 1,449 |
| Cost of funding earning assets | 0.3634% | 3,402 |
| Net interest margin | 4.1671% | 1,209 |
| Noninterest income to average assets | 0.7892% | 1,806 |
| Noninterest expense to average assets | 3.3040% | 1,554 |
| Loan and lease loss provision to assets | 0.1410% | 1,662 |
| Net operating income to assets | 1.1195% | 1,919 |
| Return on assets (ROA) | 1.1207% | 2,022 |
| Pretax return on assets | 1.1751% | 2,937 |
| Return on Equity (ROE) | 12.3723% | 1,211 |
| Retained earnings to average equity (ytd only) | 5.7492% | 2,328 |
| Net charge-offs to loans | 0.0310% | 3,035 |
| Credit loss provision to net charge-offs | 570.0000% | 640 |
| Earnings coverage of net charge-offs (x) | 53.1421% | 1,028 |
| Efficiency ratio | 71.5319% | 2,645 |
| Assets per employee ($millions) | 3.8361% | 4,238 |
| Cash dividends to net income (ytd only)* | 53.5320% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,582 |
| Loan loss allowance to noncurrent loans | 805.4264% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 4,961 |
| Noncurrent loans to loans | 0.1420% | 4,773 |
| Net loans and leases to total assets | 80.7339% | 795 |
| Net loans and leases to deposits | 91.9236% | 1,509 |
| Net loans and leases to core deposits | 97.4470% | 1,868 |
| Total domestic deposits to total assets | 87.8271% | 1,489 |
| Equity capital to assets | 9.1931% | 4,982 |
| Core capital (leverage) ratio | 9.1952% | 4,600 |
| Tier 1 risk-based capital ratio | 9.8152% | 5,829 |
| Total risk-based capital ratio | 10.8139% | 5,858 |
| Memoranda: | ||
| Average total assets | $107,786,000 | 4,240 |
| Average earning assets | $99,060,000 | 4,254 |
| Average equity | $9,763,500 | 4,660 |
| Average total loans | $86,137,500 | 3,678 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,568 |
| Cost of funding earning assets | 0.3496% | 3,574 |
| Net interest margin | 4.1335% | 1,281 |
| Noninterest income to average assets | 0.8178% | 1,649 |
| Noninterest expense to average assets | 3.3236% | 1,546 |
| Loan and lease loss provision to assets | 0.1332% | 1,722 |
| Net operating income to assets | 1.0954% | 1,974 |
| Return on assets (ROA) | 1.0954% | 2,099 |
| Pretax return on assets | 1.1535% | 2,974 |
| Return on Equity (ROE) | 12.1553% | 1,256 |
| Retained earnings to average equity (ytd only) | 5.9319% | 2,155 |
| Net charge-offs to loans | 0.0497% | 2,489 |
| Credit loss provision to net charge-offs | 338.0952% | 877 |
| Earnings coverage of net charge-offs (x) | 32.6667% | 1,331 |
| Efficiency ratio | 72.0911% | 2,637 |
| Assets per employee ($millions) | 3.8130% | 4,243 |
| Cash dividends to net income (ytd only)* | 51.1986% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 3,819 |
| Loan loss allowance to noncurrent loans | 387.1595% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 4,562 |
| Noncurrent loans to loans | 0.2902% | 4,333 |
| Net loans and leases to total assets | 79.2009% | 1,035 |
| Net loans and leases to deposits | 92.0769% | 1,504 |
| Net loans and leases to core deposits | 96.6762% | 1,921 |
| Total domestic deposits to total assets | 86.0161% | 2,413 |
| Equity capital to assets | 9.1321% | 5,130 |
| Core capital (leverage) ratio | 9.3429% | 4,401 |
| Tier 1 risk-based capital ratio | 9.7685% | 5,904 |
| Total risk-based capital ratio | 10.7332% | 5,934 |
| Memoranda: | ||
| Average total assets | $106,632,330 | 4,299 |
| Average earning assets | $97,834,330 | 4,309 |
| Average equity | $9,609,000 | 4,722 |
| Average total loans | $84,565,670 | 3,729 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 1,613 |
| Cost of funding earning assets | 0.3553% | 3,549 |
| Net interest margin | 4.1086% | 1,315 |
| Noninterest income to average assets | 0.8026% | 1,606 |
| Noninterest expense to average assets | 3.3021% | 1,598 |
| Loan and lease loss provision to assets | 0.1643% | 1,259 |
| Net operating income to assets | 1.0357% | 2,137 |
| Return on assets (ROA) | 1.0357% | 2,257 |
| Pretax return on assets | 1.0931% | 3,120 |
| Return on Equity (ROE) | 11.5756% | 1,433 |
| Retained earnings to average equity (ytd only) | 6.6635% | 2,053 |
| Net charge-offs to loans | -0.0145% | 4,695 |
| Credit loss provision to net charge-offs | -1,433.3333% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4225% | 2,735 |
| Assets per employee ($millions) | 3.7331% | 4,418 |
| Cash dividends to net income (ytd only)* | 42.4354% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 3,469 |
| Loan loss allowance to noncurrent loans | 304.9231% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 4,330 |
| Noncurrent loans to loans | 0.3942% | 4,026 |
| Net loans and leases to total assets | 77.9347% | 1,111 |
| Net loans and leases to deposits | 87.9159% | 1,836 |
| Net loans and leases to core deposits | 92.7887% | 2,112 |
| Total domestic deposits to total assets | 88.6468% | 1,277 |
| Equity capital to assets | 9.0408% | 5,132 |
| Core capital (leverage) ratio | 9.0609% | 4,783 |
| Tier 1 risk-based capital ratio | 9.6085% | 5,991 |
| Total risk-based capital ratio | 10.6165% | 6,015 |
| Memoranda: | ||
| Average total assets | $104,660,000 | 4,377 |
| Average earning assets | $95,701,500 | 4,387 |
| Average equity | $9,364,500 | 4,787 |
| Average total loans | $82,562,000 | 3,793 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 1,941 |
| Cost of funding earning assets | 0.3480% | 3,721 |
| Net interest margin | 4.0411% | 1,590 |
| Noninterest income to average assets | 0.7981% | 1,795 |
| Noninterest expense to average assets | 3.3488% | 1,610 |
| Loan and lease loss provision to assets | 0.1433% | 1,654 |
| Net operating income to assets | 0.9496% | 2,613 |
| Return on assets (ROA) | 0.9544% | 2,670 |
| Pretax return on assets | 0.9972% | 3,486 |
| Return on Equity (ROE) | 11.1039% | 1,583 |
| Retained earnings to average equity (ytd only) | 5.5346% | 2,062 |
| Net charge-offs to loans | 0.0797% | 2,678 |
| Credit loss provision to net charge-offs | 236.0656% | 1,211 |
| Earnings coverage of net charge-offs (x) | 18.7049% | 1,995 |
| Efficiency ratio | 74.6782% | 2,480 |
| Assets per employee ($millions) | 3.8813% | 4,158 |
| Cash dividends to net income (ytd only)* | 50.1564% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 3,795 |
| Loan loss allowance to noncurrent loans | 492.1875% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 4,874 |
| Noncurrent loans to loans | 0.2322% | 4,593 |
| Net loans and leases to total assets | 77.9873% | 1,121 |
| Net loans and leases to deposits | 91.7837% | 1,426 |
| Net loans and leases to core deposits | 96.3886% | 1,807 |
| Total domestic deposits to total assets | 84.9686% | 3,107 |
| Equity capital to assets | 8.8545% | 5,265 |
| Core capital (leverage) ratio | 9.1048% | 4,749 |
| Tier 1 risk-based capital ratio | 9.5941% | 6,031 |
| Total risk-based capital ratio | 10.5701% | 6,062 |
| Memoranda: | ||
| Average total assets | $100,485,200 | 4,453 |
| Average earning assets | $91,658,000 | 4,471 |
| Average equity | $8,636,600 | 4,923 |
| Average total loans | $76,551,000 | 3,926 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 2,017 |
| Cost of funding earning assets | 0.3499% | 3,755 |
| Net interest margin | 4.0194% | 1,641 |
| Noninterest income to average assets | 0.8302% | 1,687 |
| Noninterest expense to average assets | 3.3679% | 1,540 |
| Loan and lease loss provision to assets | 0.1449% | 1,511 |
| Net operating income to assets | 0.9405% | 2,759 |
| Return on assets (ROA) | 0.9469% | 2,829 |
| Pretax return on assets | 0.9912% | 3,646 |
| Return on Equity (ROE) | 11.1056% | 1,669 |
| Retained earnings to average equity (ytd only) | 4.6247% | 3,182 |
| Net charge-offs to loans | 0.0693% | 2,569 |
| Credit loss provision to net charge-offs | 276.9231% | 1,042 |
| Earnings coverage of net charge-offs (x) | 21.5892% | 1,816 |
| Efficiency ratio | 74.8882% | 2,419 |
| Assets per employee ($millions) | 3.6838% | 4,474 |
| Cash dividends to net income (ytd only)* | 58.3570% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 3,693 |
| Loan loss allowance to noncurrent loans | 604.5455% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 5,166 |
| Noncurrent loans to loans | 0.1976% | 4,854 |
| Net loans and leases to total assets | 74.6709% | 1,614 |
| Net loans and leases to deposits | 89.6478% | 1,697 |
| Net loans and leases to core deposits | 94.6145% | 2,022 |
| Total domestic deposits to total assets | 83.2936% | 3,704 |
| Equity capital to assets | 8.8467% | 5,443 |
| Core capital (leverage) ratio | 8.8788% | 5,142 |
| Tier 1 risk-based capital ratio | 9.8805% | 6,073 |
| Total risk-based capital ratio | 10.8907% | 6,089 |
| Memoranda: | ||
| Average total assets | $99,408,000 | 4,523 |
| Average earning assets | $90,691,250 | 4,538 |
| Average equity | $8,476,000 | 5,024 |
| Average total loans | $75,021,000 | 4,005 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 2,101 |
| Cost of funding earning assets | 0.3553% | 3,753 |
| Net interest margin | 3.9691% | 1,737 |
| Noninterest income to average assets | 0.7885% | 1,825 |
| Noninterest expense to average assets | 3.3740% | 1,523 |
| Loan and lease loss provision to assets | 0.1467% | 1,464 |
| Net operating income to assets | 0.8480% | 3,135 |
| Return on assets (ROA) | 0.8578% | 3,200 |
| Pretax return on assets | 0.8965% | 3,970 |
| Return on Equity (ROE) | 10.1941% | 1,981 |
| Retained earnings to average equity (ytd only) | 3.0025% | 4,129 |
| Net charge-offs to loans | 0.0783% | 2,267 |
| Credit loss provision to net charge-offs | 248.2759% | 1,057 |
| Earnings coverage of net charge-offs (x) | 17.4828% | 1,852 |
| Efficiency ratio | 76.5603% | 2,273 |
| Assets per employee ($millions) | 3.8476% | 4,172 |
| Cash dividends to net income (ytd only)* | 70.5463% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 4,039 |
| Loan loss allowance to noncurrent loans | 569.1824% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 5,258 |
| Noncurrent loans to loans | 0.2034% | 4,957 |
| Net loans and leases to total assets | 74.3681% | 1,600 |
| Net loans and leases to deposits | 90.0663% | 1,587 |
| Net loans and leases to core deposits | 95.0505% | 1,871 |
| Total domestic deposits to total assets | 82.5703% | 4,097 |
| Equity capital to assets | 8.6104% | 5,590 |
| Core capital (leverage) ratio | 8.9818% | 4,998 |
| Tier 1 risk-based capital ratio | 9.5859% | 6,191 |
| Total risk-based capital ratio | 10.5567% | 6,207 |
| Memoranda: | ||
| Average total assets | $98,162,000 | 4,588 |
| Average earning assets | $89,491,670 | 4,607 |
| Average equity | $8,259,670 | 5,112 |
| Average total loans | $74,044,330 | 4,059 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,067 |
| Cost of funding earning assets | 0.3783% | 3,547 |
| Net interest margin | 3.9307% | 1,787 |
| Noninterest income to average assets | 0.8311% | 1,598 |
| Noninterest expense to average assets | 3.4795% | 1,356 |
| Loan and lease loss provision to assets | 0.1511% | 1,351 |
| Net operating income to assets | 0.7429% | 3,581 |
| Return on assets (ROA) | 0.7429% | 3,706 |
| Pretax return on assets | 0.7765% | 4,328 |
| Return on Equity (ROE) | 8.9428% | 2,470 |
| Retained earnings to average equity (ytd only) | 6.5681% | 2,204 |
| Net charge-offs to loans | 0.1167% | 1,588 |
| Credit loss provision to net charge-offs | 171.4286% | 1,158 |
| Earnings coverage of net charge-offs (x) | 10.5238% | 1,930 |
| Efficiency ratio | 78.9524% | 2,051 |
| Assets per employee ($millions) | 3.5749% | 4,771 |
| Cash dividends to net income (ytd only)* | 26.5537% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 3,911 |
| Loan loss allowance to noncurrent loans | 356.5041% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,923 |
| Noncurrent loans to loans | 0.3397% | 4,570 |
| Net loans and leases to total assets | 74.1186% | 1,481 |
| Net loans and leases to deposits | 83.3868% | 2,155 |
| Net loans and leases to core deposits | 87.9886% | 2,334 |
| Total domestic deposits to total assets | 88.8853% | 1,342 |
| Equity capital to assets | 8.2780% | 5,885 |
| Core capital (leverage) ratio | 8.3070% | 5,720 |
| Tier 1 risk-based capital ratio | 9.1604% | 6,307 |
| Total risk-based capital ratio | 10.1681% | 6,318 |
| Memoranda: | ||
| Average total assets | $95,300,000 | 4,681 |
| Average earning assets | $86,701,500 | 4,705 |
| Average equity | $7,917,000 | 5,231 |
| Average total loans | $71,985,000 | 4,134 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,545 |
| Cost of funding earning assets | 0.4218% | 3,458 |
| Net interest margin | 3.8950% | 2,263 |
| Noninterest income to average assets | 0.8346% | 1,731 |
| Noninterest expense to average assets | 3.4824% | 1,521 |
| Loan and lease loss provision to assets | 0.0758% | 2,958 |
| Net operating income to assets | 0.7513% | 3,628 |
| Return on assets (ROA) | 0.7513% | 3,725 |
| Pretax return on assets | 0.7848% | 4,312 |
| Return on Equity (ROE) | 9.3280% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.3522% | 1,249 |
| Net charge-offs to loans | 0.0242% | 4,349 |
| Credit loss provision to net charge-offs | 437.5000% | 593 |
| Earnings coverage of net charge-offs (x) | 49.6875% | 929 |
| Efficiency ratio | 80.1844% | 1,903 |
| Assets per employee ($millions) | 3.6184% | 4,687 |
| Cash dividends to net income (ytd only)* | 21.1816% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 3,969 |
| Loan loss allowance to noncurrent loans | 316.9118% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 4,877 |
| Noncurrent loans to loans | 0.3801% | 4,501 |
| Net loans and leases to total assets | 75.1400% | 1,394 |
| Net loans and leases to deposits | 85.7640% | 2,015 |
| Net loans and leases to core deposits | 90.6865% | 2,213 |
| Total domestic deposits to total assets | 87.6125% | 1,973 |
| Equity capital to assets | 8.3377% | 5,873 |
| Core capital (leverage) ratio | 8.3771% | 5,693 |
| Tier 1 risk-based capital ratio | 9.4431% | 6,361 |
| Total risk-based capital ratio | 10.4811% | 6,365 |
| Memoranda: | ||
| Average total assets | $92,379,200 | 4,783 |
| Average earning assets | $83,209,400 | 4,816 |
| Average equity | $7,440,000 | 5,314 |
| Average total loans | $66,008,400 | 4,294 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 2,751 |
| Cost of funding earning assets | 0.4290% | 3,476 |
| Net interest margin | 3.8402% | 2,477 |
| Noninterest income to average assets | 0.8033% | 1,885 |
| Noninterest expense to average assets | 3.4698% | 1,525 |
| Loan and lease loss provision to assets | 0.0725% | 2,891 |
| Net operating income to assets | 0.6829% | 4,025 |
| Return on assets (ROA) | 0.6829% | 4,116 |
| Pretax return on assets | 0.7134% | 4,662 |
| Return on Equity (ROE) | 8.5568% | 2,924 |
| Retained earnings to average equity (ytd only) | 6.7038% | 1,983 |
| Net charge-offs to loans | 0.0392% | 3,717 |
| Credit loss provision to net charge-offs | 263.1579% | 1,010 |
| Earnings coverage of net charge-offs (x) | 28.5294% | 1,416 |
| Efficiency ratio | 81.5332% | 1,672 |
| Assets per employee ($millions) | 3.3623% | 5,113 |
| Cash dividends to net income (ytd only)* | 21.6567% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,878 |
| Loan loss allowance to noncurrent loans | 227.9891% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 4,708 |
| Noncurrent loans to loans | 0.5528% | 4,263 |
| Net loans and leases to total assets | 72.3990% | 1,781 |
| Net loans and leases to deposits | 82.0037% | 2,426 |
| Net loans and leases to core deposits | 86.8886% | 2,557 |
| Total domestic deposits to total assets | 88.2875% | 1,612 |
| Equity capital to assets | 8.4509% | 5,832 |
| Core capital (leverage) ratio | 8.2520% | 5,883 |
| Tier 1 risk-based capital ratio | 10.0887% | 6,324 |
| Total risk-based capital ratio | 11.1932% | 6,326 |
| Memoranda: | ||
| Average total assets | $91,954,250 | 4,844 |
| Average earning assets | $82,668,250 | 4,880 |
| Average equity | $7,339,000 | 5,375 |
| Average total loans | $64,622,250 | 4,384 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 3,012 |
| Cost of funding earning assets | 0.4329% | 3,513 |
| Net interest margin | 3.7509% | 2,755 |
| Noninterest income to average assets | 0.7884% | 1,886 |
| Noninterest expense to average assets | 3.4588% | 1,555 |
| Loan and lease loss provision to assets | 0.0628% | 3,012 |
| Net operating income to assets | 0.5999% | 4,355 |
| Return on assets (ROA) | 0.5999% | 4,450 |
| Pretax return on assets | 0.6259% | 4,868 |
| Return on Equity (ROE) | 7.6646% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.2258% | 2,199 |
| Net charge-offs to loans | 0.0406% | 3,417 |
| Credit loss provision to net charge-offs | 223.0769% | 1,069 |
| Earnings coverage of net charge-offs (x) | 24.4615% | 1,433 |
| Efficiency ratio | 83.3943% | 1,583 |
| Assets per employee ($millions) | 3.6575% | 4,537 |
| Cash dividends to net income (ytd only)* | 18.7726% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 4,206 |
| Loan loss allowance to noncurrent loans | 268.4039% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 5,088 |
| Noncurrent loans to loans | 0.4629% | 4,612 |
| Net loans and leases to total assets | 68.8750% | 2,263 |
| Net loans and leases to deposits | 78.3942% | 2,748 |
| Net loans and leases to core deposits | 82.8518% | 2,873 |
| Total domestic deposits to total assets | 87.8573% | 1,996 |
| Equity capital to assets | 7.9206% | 6,193 |
| Core capital (leverage) ratio | 8.1249% | 6,003 |
| Tier 1 risk-based capital ratio | 9.8061% | 6,449 |
| Total risk-based capital ratio | 10.8806% | 6,459 |
| Memoranda: | ||
| Average total assets | $92,344,670 | 4,863 |
| Average earning assets | $82,700,330 | 4,914 |
| Average equity | $7,228,000 | 5,431 |
| Average total loans | $63,974,670 | 4,423 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 3,091 |
| Cost of funding earning assets | 0.4438% | 3,492 |
| Net interest margin | 3.7034% | 2,854 |
| Noninterest income to average assets | 0.8310% | 1,637 |
| Noninterest expense to average assets | 3.5660% | 1,368 |
| Loan and lease loss provision to assets | 0.0704% | 2,726 |
| Net operating income to assets | 0.4749% | 4,811 |
| Return on assets (ROA) | 0.4749% | 4,889 |
| Pretax return on assets | 0.4969% | 5,179 |
| Return on Equity (ROE) | 6.1051% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.6179% | 3,960 |
| Net charge-offs to loans | 0.0573% | 2,585 |
| Credit loss provision to net charge-offs | 177.7778% | 1,129 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,617 |
| Efficiency ratio | 86.2766% | 1,421 |
| Assets per employee ($millions) | 3.5111% | 4,899 |
| Cash dividends to net income (ytd only)* | 40.7407% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 3,980 |
| Loan loss allowance to noncurrent loans | 231.2500% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 4,997 |
| Noncurrent loans to loans | 0.5730% | 4,446 |
| Net loans and leases to total assets | 66.4034% | 2,500 |
| Net loans and leases to deposits | 74.9697% | 2,947 |
| Net loans and leases to core deposits | 79.3702% | 3,051 |
| Total domestic deposits to total assets | 88.5737% | 1,904 |
| Equity capital to assets | 8.0568% | 6,016 |
| Core capital (leverage) ratio | 8.1500% | 5,992 |
| Tier 1 risk-based capital ratio | 10.3681% | 6,374 |
| Total risk-based capital ratio | 11.5150% | 6,358 |
| Memoranda: | ||
| Average total assets | $90,970,000 | 4,938 |
| Average earning assets | $81,114,000 | 4,997 |
| Average equity | $7,076,000 | 5,497 |
| Average total loans | $62,802,000 | 4,503 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 2,325 |
| Cost of funding earning assets | 0.5117% | 3,480 |
| Net interest margin | 3.9569% | 2,083 |
| Noninterest income to average assets | 0.9950% | 1,410 |
| Noninterest expense to average assets | 3.5449% | 1,556 |
| Loan and lease loss provision to assets | 0.1206% | 2,808 |
| Net operating income to assets | 0.8071% | 3,258 |
| Return on assets (ROA) | 0.8071% | 3,353 |
| Pretax return on assets | 0.8442% | 3,983 |
| Return on Equity (ROE) | 10.4445% | 1,941 |
| Retained earnings to average equity (ytd only) | 3.6466% | 3,630 |
| Net charge-offs to loans | 0.0754% | 4,155 |
| Credit loss provision to net charge-offs | 231.1111% | 991 |
| Earnings coverage of net charge-offs (x) | 18.4889% | 1,648 |
| Efficiency ratio | 78.6063% | 2,373 |
| Assets per employee ($millions) | 3.4866% | 4,922 |
| Cash dividends to net income (ytd only)* | 65.0862% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 4,350 |
| Loan loss allowance to noncurrent loans | 2,126.3158% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 6,244 |
| Noncurrent loans to loans | 0.0592% | 6,053 |
| Net loans and leases to total assets | 69.8977% | 2,025 |
| Net loans and leases to deposits | 83.6829% | 1,976 |
| Net loans and leases to core deposits | 87.7750% | 2,268 |
| Total domestic deposits to total assets | 83.5269% | 4,352 |
| Equity capital to assets | 7.4980% | 6,283 |
| Core capital (leverage) ratio | 7.7742% | 6,259 |
| Tier 1 risk-based capital ratio | 9.2912% | 6,631 |
| Total risk-based capital ratio | 10.3960% | 6,631 |
| Memoranda: | ||
| Average total assets | $86,235,400 | 5,076 |
| Average earning assets | $76,600,200 | 5,130 |
| Average equity | $6,663,800 | 5,655 |
| Average total loans | $59,659,200 | 4,622 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 2,178 |
| Cost of funding earning assets | 0.5240% | 3,527 |
| Net interest margin | 3.9891% | 1,985 |
| Noninterest income to average assets | 1.0321% | 1,369 |
| Noninterest expense to average assets | 3.5865% | 1,423 |
| Loan and lease loss provision to assets | 0.1128% | 2,887 |
| Net operating income to assets | 0.8363% | 3,159 |
| Return on assets (ROA) | 0.8363% | 3,286 |
| Pretax return on assets | 0.8739% | 3,995 |
| Return on Equity (ROE) | 10.7380% | 1,911 |
| Retained earnings to average equity (ytd only) | 2.5337% | 4,801 |
| Net charge-offs to loans | 0.0957% | 3,606 |
| Credit loss provision to net charge-offs | 171.4286% | 1,391 |
| Earnings coverage of net charge-offs (x) | 14.9996% | 1,897 |
| Efficiency ratio | 78.4247% | 2,353 |
| Assets per employee ($millions) | 3.2767% | 5,328 |
| Cash dividends to net income (ytd only)* | 76.4052% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,319 |
| Loan loss allowance to noncurrent loans | 1,731.1111% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 6,301 |
| Noncurrent loans to loans | 0.0758% | 6,108 |
| Net loans and leases to total assets | 68.7470% | 2,192 |
| Net loans and leases to deposits | 78.5771% | 2,574 |
| Net loans and leases to core deposits | 82.7152% | 2,806 |
| Total domestic deposits to total assets | 87.4899% | 2,425 |
| Equity capital to assets | 7.8432% | 6,234 |
| Core capital (leverage) ratio | 7.8255% | 6,317 |
| Tier 1 risk-based capital ratio | 9.6296% | 6,667 |
| Total risk-based capital ratio | 10.7529% | 6,661 |
| Memoranda: | ||
| Average total assets | $85,131,500 | 5,156 |
| Average earning assets | $75,570,750 | 5,212 |
| Average equity | $6,630,500 | 5,735 |
| Average total loans | $58,531,250 | 4,700 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 2,260 |
| Cost of funding earning assets | 0.5217% | 3,689 |
| Net interest margin | 3.9621% | 1,999 |
| Noninterest income to average assets | 1.0950% | 1,269 |
| Noninterest expense to average assets | 3.5883% | 1,434 |
| Loan and lease loss provision to assets | 0.0963% | 3,180 |
| Net operating income to assets | 0.8883% | 2,855 |
| Return on assets (ROA) | 0.8883% | 3,010 |
| Pretax return on assets | 0.9259% | 3,802 |
| Return on Equity (ROE) | 11.4315% | 1,664 |
| Retained earnings to average equity (ytd only) | 2.5101% | 4,699 |
| Net charge-offs to loans | 0.1236% | 3,140 |
| Credit loss provision to net charge-offs | 113.8889% | 1,940 |
| Earnings coverage of net charge-offs (x) | 12.0833% | 2,007 |
| Efficiency ratio | 77.8287% | 2,486 |
| Assets per employee ($millions) | 3.2506% | 5,376 |
| Cash dividends to net income (ytd only)* | 78.0423% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,621 |
| Loan loss allowance to noncurrent loans | 1,753.4884% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 6,361 |
| Noncurrent loans to loans | 0.0727% | 6,173 |
| Net loans and leases to total assets | 66.5212% | 2,503 |
| Net loans and leases to deposits | 77.7372% | 2,601 |
| Net loans and leases to core deposits | 81.7964% | 2,821 |
| Total domestic deposits to total assets | 85.5719% | 3,596 |
| Equity capital to assets | 7.5371% | 6,426 |
| Core capital (leverage) ratio | 7.8873% | 6,259 |
| Tier 1 risk-based capital ratio | 9.6208% | 6,705 |
| Total risk-based capital ratio | 10.7141% | 6,711 |
| Memoranda: | ||
| Average total assets | $85,110,330 | 5,185 |
| Average earning assets | $75,515,670 | 5,240 |
| Average equity | $6,613,330 | 5,777 |
| Average total loans | $58,259,000 | 4,733 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 2,145 |
| Cost of funding earning assets | 0.5233% | 3,855 |
| Net interest margin | 3.9816% | 1,856 |
| Noninterest income to average assets | 1.2127% | 1,035 |
| Noninterest expense to average assets | 3.6857% | 1,272 |
| Loan and lease loss provision to assets | 0.1003% | 3,003 |
| Net operating income to assets | 0.9071% | 2,608 |
| Return on assets (ROA) | 0.9071% | 2,765 |
| Pretax return on assets | 0.9501% | 3,564 |
| Return on Equity (ROE) | 11.4934% | 1,560 |
| Retained earnings to average equity (ytd only) | 5.4442% | 2,982 |
| Net charge-offs to loans | 0.0069% | 4,014 |
| Credit loss provision to net charge-offs | 2,100.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 184 |
| Efficiency ratio | 77.8226% | 2,636 |
| Assets per employee ($millions) | 3.2882% | 5,458 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 4,368 |
| Loan loss allowance to noncurrent loans | 1,922.5000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 6,465 |
| Noncurrent loans to loans | 0.0714% | 6,269 |
| Net loans and leases to total assets | 64.6455% | 2,596 |
| Net loans and leases to deposits | 72.7977% | 3,086 |
| Net loans and leases to core deposits | 75.2601% | 3,424 |
| Total domestic deposits to total assets | 88.8016% | 1,795 |
| Equity capital to assets | 7.7842% | 6,479 |
| Core capital (leverage) ratio | 7.8956% | 6,221 |
| Tier 1 risk-based capital ratio | 10.0998% | 6,674 |
| Total risk-based capital ratio | 11.2691% | 6,679 |
| Memoranda: | ||
| Average total assets | $83,782,500 | 5,273 |
| Average earning assets | $74,141,000 | 5,318 |
| Average equity | $6,612,500 | 5,839 |
| Average total loans | $57,820,000 | 4,784 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 1,204 |
| Cost of funding earning assets | 0.5812% | 4,524 |
| Net interest margin | 4.5701% | 826 |
| Noninterest income to average assets | 1.2132% | 1,064 |
| Noninterest expense to average assets | 3.9689% | 1,010 |
| Loan and lease loss provision to assets | 0.1431% | 3,818 |
| Net operating income to assets | 1.0701% | 2,054 |
| Return on assets (ROA) | 1.0701% | 2,241 |
| Pretax return on assets | 1.1043% | 3,142 |
| Return on Equity (ROE) | 13.1587% | 1,189 |
| Retained earnings to average equity (ytd only) | 5.2635% | 2,529 |
| Net charge-offs to loans | 0.0524% | 5,197 |
| Credit loss provision to net charge-offs | 389.6552% | 620 |
| Earnings coverage of net charge-offs (x) | 33.9655% | 917 |
| Efficiency ratio | 76.0864% | 2,723 |
| Assets per employee ($millions) | 3.0397% | 5,954 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 4,838 |
| Loan loss allowance to noncurrent loans | 1,314.0351% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 6,433 |
| Noncurrent loans to loans | 0.0956% | 6,246 |
| Net loans and leases to total assets | 71.7111% | 1,529 |
| Net loans and leases to deposits | 80.5822% | 2,209 |
| Net loans and leases to core deposits | 83.4122% | 2,619 |
| Total domestic deposits to total assets | 88.9912% | 1,568 |
| Equity capital to assets | 8.0053% | 6,404 |
| Core capital (leverage) ratio | 8.1649% | 6,031 |
| Tier 1 risk-based capital ratio | 9.6350% | 6,786 |
| Total risk-based capital ratio | 10.7364% | 6,797 |
| Memoranda: | ||
| Average total assets | $78,964,200 | 5,384 |
| Average earning assets | $69,166,400 | 5,460 |
| Average equity | $6,421,600 | 5,910 |
| Average total loans | $55,387,000 | 4,889 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 1,225 |
| Cost of funding earning assets | 0.6025% | 4,620 |
| Net interest margin | 4.5838% | 846 |
| Noninterest income to average assets | 1.2210% | 999 |
| Noninterest expense to average assets | 3.7874% | 1,233 |
| Loan and lease loss provision to assets | 0.1313% | 3,908 |
| Net operating income to assets | 1.2534% | 1,572 |
| Return on assets (ROA) | 1.2534% | 1,732 |
| Pretax return on assets | 1.3113% | 2,550 |
| Return on Equity (ROE) | 15.3494% | 839 |
| Retained earnings to average equity (ytd only) | 6.7454% | 2,251 |
| Net charge-offs to loans | 0.0663% | 4,757 |
| Credit loss provision to net charge-offs | 285.1852% | 949 |
| Earnings coverage of net charge-offs (x) | 31.3325% | 1,066 |
| Efficiency ratio | 72.4160% | 3,246 |
| Assets per employee ($millions) | 2.9746% | 6,091 |
| Cash dividends to net income (ytd only)* | 56.0542% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 4,933 |
| Loan loss allowance to noncurrent loans | 1,153.2258% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 6,471 |
| Noncurrent loans to loans | 0.1104% | 6,340 |
| Net loans and leases to total assets | 69.0415% | 2,102 |
| Net loans and leases to deposits | 77.4550% | 2,734 |
| Net loans and leases to core deposits | 80.2251% | 3,179 |
| Total domestic deposits to total assets | 89.1376% | 1,351 |
| Equity capital to assets | 8.1692% | 6,507 |
| Core capital (leverage) ratio | 8.2163% | 6,122 |
| Tier 1 risk-based capital ratio | 10.0252% | 6,794 |
| Total risk-based capital ratio | 11.1217% | 6,813 |
| Memoranda: | ||
| Average total assets | $78,187,500 | 5,455 |
| Average earning assets | $68,384,000 | 5,543 |
| Average equity | $6,384,500 | 5,991 |
| Average total loans | $54,333,000 | 4,984 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 1,221 |
| Cost of funding earning assets | 0.6201% | 4,719 |
| Net interest margin | 4.5889% | 851 |
| Noninterest income to average assets | 1.1255% | 1,126 |
| Noninterest expense to average assets | 3.7946% | 1,224 |
| Loan and lease loss provision to assets | 0.1213% | 4,009 |
| Net operating income to assets | 1.1694% | 1,817 |
| Return on assets (ROA) | 1.1694% | 2,019 |
| Pretax return on assets | 1.2210% | 2,833 |
| Return on Equity (ROE) | 14.3226% | 1,045 |
| Retained earnings to average equity (ytd only) | 5.2485% | 3,124 |
| Net charge-offs to loans | 0.0931% | 4,223 |
| Credit loss provision to net charge-offs | 188.0000% | 1,506 |
| Earnings coverage of net charge-offs (x) | 20.8000% | 1,371 |
| Efficiency ratio | 73.8693% | 3,096 |
| Assets per employee ($millions) | 3.0195% | 6,027 |
| Cash dividends to net income (ytd only)* | 63.3554% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,104 |
| Loan loss allowance to noncurrent loans | 1,431.2500% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 6,586 |
| Noncurrent loans to loans | 0.0877% | 6,444 |
| Net loans and leases to total assets | 68.8283% | 2,134 |
| Net loans and leases to deposits | 77.3708% | 2,775 |
| Net loans and leases to core deposits | 80.2039% | 3,190 |
| Total domestic deposits to total assets | 88.9589% | 1,532 |
| Equity capital to assets | 8.1496% | 6,488 |
| Core capital (leverage) ratio | 8.1109% | 6,150 |
| Tier 1 risk-based capital ratio | 10.0507% | 6,810 |
| Total risk-based capital ratio | 11.1328% | 6,842 |
| Memoranda: | ||
| Average total assets | $77,478,670 | 5,507 |
| Average earning assets | $67,728,670 | 5,597 |
| Average equity | $6,325,670 | 6,036 |
| Average total loans | $53,722,330 | 5,044 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 1,377 |
| Cost of funding earning assets | 0.6361% | 4,846 |
| Net interest margin | 4.5356% | 950 |
| Noninterest income to average assets | 1.0083% | 1,405 |
| Noninterest expense to average assets | 3.8511% | 1,130 |
| Loan and lease loss provision to assets | 0.0520% | 4,763 |
| Net operating income to assets | 1.0238% | 2,388 |
| Return on assets (ROA) | 1.0238% | 2,576 |
| Pretax return on assets | 1.0706% | 3,428 |
| Return on Equity (ROE) | 12.5288% | 1,525 |
| Retained earnings to average equity (ytd only) | 6.0418% | 2,935 |
| Net charge-offs to loans | -0.0225% | 6,218 |
| Credit loss provision to net charge-offs | -333.3333% | 5,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4295% | 2,579 |
| Assets per employee ($millions) | 3.2262% | 5,713 |
| Cash dividends to net income (ytd only)* | 51.7766% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 5,192 |
| Loan loss allowance to noncurrent loans | 233.7931% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 5,942 |
| Noncurrent loans to loans | 0.5401% | 5,577 |
| Net loans and leases to total assets | 68.4666% | 2,027 |
| Net loans and leases to deposits | 77.1300% | 2,658 |
| Net loans and leases to core deposits | 79.9689% | 3,073 |
| Total domestic deposits to total assets | 88.7678% | 1,838 |
| Equity capital to assets | 8.1752% | 6,390 |
| Core capital (leverage) ratio | 8.1213% | 6,131 |
| Tier 1 risk-based capital ratio | 10.2660% | 6,806 |
| Total risk-based capital ratio | 11.3693% | 6,841 |
| Memoranda: | ||
| Average total assets | $76,964,500 | 5,565 |
| Average earning assets | $67,290,000 | 5,649 |
| Average equity | $6,289,500 | 6,074 |
| Average total loans | $53,222,500 | 5,095 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 1,829 |
| Cost of funding earning assets | 0.7577% | 5,154 |
| Net interest margin | 4.5038% | 1,119 |
| Noninterest income to average assets | 0.9640% | 1,462 |
| Noninterest expense to average assets | 3.8521% | 1,257 |
| Loan and lease loss provision to assets | 0.2132% | 4,058 |
| Net operating income to assets | 0.7839% | 3,117 |
| Return on assets (ROA) | 0.7839% | 3,279 |
| Pretax return on assets | 0.8263% | 3,881 |
| Return on Equity (ROE) | 9.7068% | 2,159 |
| Retained earnings to average equity (ytd only) | 2.9842% | 4,107 |
| Net charge-offs to loans | 0.0798% | 5,524 |
| Credit loss provision to net charge-offs | 392.6829% | 594 |
| Earnings coverage of net charge-offs (x) | 19.1463% | 1,175 |
| Efficiency ratio | 78.7493% | 2,491 |
| Assets per employee ($millions) | 3.1875% | 5,736 |
| Cash dividends to net income (ytd only)* | 69.2568% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 5,108 |
| Loan loss allowance to noncurrent loans | 452.3810% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 5,499 |
| Noncurrent loans to loans | 0.2787% | 6,168 |
| Net loans and leases to total assets | 68.0902% | 2,381 |
| Net loans and leases to deposits | 77.4109% | 2,935 |
| Net loans and leases to core deposits | 80.3161% | 3,417 |
| Total domestic deposits to total assets | 87.9595% | 2,192 |
| Equity capital to assets | 8.1686% | 6,465 |
| Core capital (leverage) ratio | 8.0630% | 6,187 |
| Tier 1 risk-based capital ratio | 10.3425% | 6,757 |
| Total risk-based capital ratio | 11.4494% | 6,783 |
| Memoranda: | ||
| Average total assets | $75,517,400 | 5,589 |
| Average earning assets | $65,855,600 | 5,668 |
| Average equity | $6,098,800 | 6,128 |
| Average total loans | $51,363,600 | 5,219 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 2,059 |
| Cost of funding earning assets | 0.7775% | 5,292 |
| Net interest margin | 4.4648% | 1,231 |
| Noninterest income to average assets | 0.9459% | 1,499 |
| Noninterest expense to average assets | 3.9217% | 1,121 |
| Loan and lease loss provision to assets | 0.2126% | 3,896 |
| Net operating income to assets | 0.6820% | 3,703 |
| Return on assets (ROA) | 0.6820% | 3,876 |
| Pretax return on assets | 0.7174% | 4,409 |
| Return on Equity (ROE) | 8.4689% | 2,840 |
| Retained earnings to average equity (ytd only) | 1.6498% | 5,312 |
| Net charge-offs to loans | 0.0758% | 5,205 |
| Credit loss provision to net charge-offs | 413.7931% | 689 |
| Earnings coverage of net charge-offs (x) | 18.1014% | 1,320 |
| Efficiency ratio | 80.8324% | 2,137 |
| Assets per employee ($millions) | 2.9670% | 6,195 |
| Cash dividends to net income (ytd only)* | 80.5190% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 5,348 |
| Loan loss allowance to noncurrent loans | 1,353.1915% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 5,954 |
| Noncurrent loans to loans | 0.0908% | 6,707 |
| Net loans and leases to total assets | 66.2397% | 2,846 |
| Net loans and leases to deposits | 74.8305% | 3,539 |
| Net loans and leases to core deposits | 78.0170% | 3,912 |
| Total domestic deposits to total assets | 88.5197% | 1,746 |
| Equity capital to assets | 7.9646% | 6,714 |
| Core capital (leverage) ratio | 7.9896% | 6,411 |
| Tier 1 risk-based capital ratio | 10.3808% | 6,830 |
| Total risk-based capital ratio | 11.4618% | 6,878 |
| Memoranda: | ||
| Average total assets | $75,271,750 | 5,635 |
| Average earning assets | $65,846,750 | 5,720 |
| Average equity | $6,061,250 | 6,184 |
| Average total loans | $51,016,000 | 5,275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 2,126 |
| Cost of funding earning assets | 0.8022% | 5,348 |
| Net interest margin | 4.4319% | 1,289 |
| Noninterest income to average assets | 0.9029% | 1,637 |
| Noninterest expense to average assets | 3.9894% | 1,069 |
| Loan and lease loss provision to assets | 0.2224% | 3,695 |
| Net operating income to assets | 0.5278% | 4,385 |
| Return on assets (ROA) | 0.5278% | 4,529 |
| Pretax return on assets | 0.5546% | 4,894 |
| Return on Equity (ROE) | 6.5300% | 3,687 |
| Retained earnings to average equity (ytd only) | -0.2652% | 5,896 |
| Net charge-offs to loans | 0.1024% | 4,664 |
| Credit loss provision to net charge-offs | 319.2308% | 954 |
| Earnings coverage of net charge-offs (x) | 11.1538% | 1,739 |
| Efficiency ratio | 83.6987% | 1,857 |
| Assets per employee ($millions) | 2.9315% | 6,231 |
| Cash dividends to net income (ytd only)* | 104.0609% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,746 |
| Loan loss allowance to noncurrent loans | 1,280.8511% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 6,007 |
| Noncurrent loans to loans | 0.0901% | 6,756 |
| Net loans and leases to total assets | 67.6542% | 2,685 |
| Net loans and leases to deposits | 76.7751% | 3,326 |
| Net loans and leases to core deposits | 79.7815% | 3,810 |
| Total domestic deposits to total assets | 88.1199% | 2,064 |
| Equity capital to assets | 7.9402% | 6,721 |
| Core capital (leverage) ratio | 7.9010% | 6,408 |
| Tier 1 risk-based capital ratio | 10.1319% | 6,939 |
| Total risk-based capital ratio | 11.1446% | 7,009 |
| Memoranda: | ||
| Average total assets | $74,648,670 | 5,702 |
| Average earning assets | $65,073,670 | 5,786 |
| Average equity | $6,033,670 | 6,225 |
| Average total loans | $50,776,670 | 5,326 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 2,992 |
| Cost of funding earning assets | 0.8320% | 5,379 |
| Net interest margin | 4.1913% | 1,915 |
| Noninterest income to average assets | 0.9260% | 1,561 |
| Noninterest expense to average assets | 3.9533% | 1,095 |
| Loan and lease loss provision to assets | 0.2220% | 3,439 |
| Net operating income to assets | 0.3899% | 4,994 |
| Return on assets (ROA) | 0.3899% | 5,083 |
| Pretax return on assets | 0.4062% | 5,322 |
| Return on Equity (ROE) | 4.7805% | 4,512 |
| Retained earnings to average equity (ytd only) | -0.8631% | 5,953 |
| Net charge-offs to loans | 0.3035% | 2,829 |
| Credit loss provision to net charge-offs | 107.8947% | 2,471 |
| Earnings coverage of net charge-offs (x) | 3.0526% | 2,865 |
| Efficiency ratio | 86.2884% | 1,683 |
| Assets per employee ($millions) | 3.0065% | 6,128 |
| Cash dividends to net income (ytd only)* | 118.0556% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 6,053 |
| Loan loss allowance to noncurrent loans | 1,611.7647% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 5,958 |
| Noncurrent loans to loans | 0.0681% | 6,868 |
| Net loans and leases to total assets | 65.6533% | 3,103 |
| Net loans and leases to deposits | 74.0901% | 3,747 |
| Net loans and leases to core deposits | 77.3185% | 4,112 |
| Total domestic deposits to total assets | 88.6127% | 2,012 |
| Equity capital to assets | 8.0039% | 6,489 |
| Core capital (leverage) ratio | 8.0251% | 6,223 |
| Tier 1 risk-based capital ratio | 10.5053% | 6,800 |
| Total risk-based capital ratio | 11.4627% | 6,926 |
| Memoranda: | ||
| Average total assets | $73,863,000 | 5,766 |
| Average earning assets | $64,419,500 | 5,843 |
| Average equity | $6,024,500 | 6,240 |
| Average total loans | $50,081,000 | 5,386 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6151% | 1,839 |
| Cost of funding earning assets | 0.9814% | 5,774 |
| Net interest margin | 4.6337% | 939 |
| Noninterest income to average assets | 1.1437% | 1,130 |
| Noninterest expense to average assets | 4.0523% | 1,089 |
| Loan and lease loss provision to assets | 0.3397% | 4,112 |
| Net operating income to assets | 0.6982% | 3,233 |
| Return on assets (ROA) | 0.7587% | 3,084 |
| Pretax return on assets | 0.7983% | 3,642 |
| Return on Equity (ROE) | 8.9551% | 2,307 |
| Retained earnings to average equity (ytd only) | 2.2555% | 4,302 |
| Net charge-offs to loans | 0.1804% | 5,238 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 8.4333% | 1,969 |
| Efficiency ratio | 79.0447% | 2,533 |
| Assets per employee ($millions) | 2.7909% | 6,531 |
| Cash dividends to net income (ytd only)* | 74.8134% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 6,007 |
| Loan loss allowance to noncurrent loans | 230.9322% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 5,951 |
| Noncurrent loans to loans | 0.4695% | 6,102 |
| Net loans and leases to total assets | 68.5225% | 2,858 |
| Net loans and leases to deposits | 79.6891% | 3,233 |
| Net loans and leases to core deposits | 84.0296% | 3,589 |
| Total domestic deposits to total assets | 85.9873% | 3,364 |
| Equity capital to assets | 8.3142% | 6,126 |
| Core capital (leverage) ratio | 8.2384% | 5,771 |
| Tier 1 risk-based capital ratio | 10.5039% | 6,699 |
| Total risk-based capital ratio | 11.4531% | 6,847 |
| Memoranda: | ||
| Average total assets | $70,650,800 | 5,863 |
| Average earning assets | $60,728,600 | 5,970 |
| Average equity | $5,985,400 | 6,370 |
| Average total loans | $49,882,800 | 5,489 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7542% | 1,533 |
| Cost of funding earning assets | 1.0122% | 5,884 |
| Net interest margin | 4.7420% | 760 |
| Noninterest income to average assets | 1.1400% | 1,078 |
| Noninterest expense to average assets | 4.1192% | 916 |
| Loan and lease loss provision to assets | 0.3800% | 3,611 |
| Net operating income to assets | 0.6701% | 3,541 |
| Return on assets (ROA) | 0.7505% | 3,374 |
| Pretax return on assets | 0.7942% | 3,930 |
| Return on Equity (ROE) | 8.8164% | 2,558 |
| Retained earnings to average equity (ytd only) | 0.9822% | 5,415 |
| Net charge-offs to loans | 0.1098% | 5,438 |
| Credit loss provision to net charge-offs | 487.8049% | 601 |
| Earnings coverage of net charge-offs (x) | 13.9744% | 1,547 |
| Efficiency ratio | 79.0952% | 2,479 |
| Assets per employee ($millions) | 2.7595% | 6,669 |
| Cash dividends to net income (ytd only)* | 88.8617% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,838 |
| Loan loss allowance to noncurrent loans | 107.9922% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 5,547 |
| Noncurrent loans to loans | 1.0416% | 5,165 |
| Net loans and leases to total assets | 67.8723% | 3,252 |
| Net loans and leases to deposits | 77.5158% | 3,918 |
| Net loans and leases to core deposits | 81.6982% | 4,285 |
| Total domestic deposits to total assets | 87.5592% | 2,232 |
| Equity capital to assets | 8.2985% | 6,508 |
| Core capital (leverage) ratio | 8.3825% | 5,732 |
| Tier 1 risk-based capital ratio | 10.2490% | 6,930 |
| Total risk-based capital ratio | 11.2031% | 7,077 |
| Memoranda: | ||
| Average total assets | $70,172,750 | 5,941 |
| Average earning assets | $60,197,750 | 6,055 |
| Average equity | $5,973,500 | 6,454 |
| Average total loans | $49,786,750 | 5,579 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8050% | 1,412 |
| Cost of funding earning assets | 1.0396% | 5,967 |
| Net interest margin | 4.7654% | 702 |
| Noninterest income to average assets | 1.0768% | 1,154 |
| Noninterest expense to average assets | 4.0719% | 957 |
| Loan and lease loss provision to assets | 0.3446% | 3,661 |
| Net operating income to assets | 0.7035% | 3,392 |
| Return on assets (ROA) | 0.7035% | 3,547 |
| Pretax return on assets | 0.7409% | 4,103 |
| Return on Equity (ROE) | 8.1940% | 2,812 |
| Retained earnings to average equity (ytd only) | -0.8696% | 5,943 |
| Net charge-offs to loans | 0.1561% | 4,697 |
| Credit loss provision to net charge-offs | 307.6923% | 1,192 |
| Earnings coverage of net charge-offs (x) | 9.6923% | 1,986 |
| Efficiency ratio | 78.9532% | 2,581 |
| Assets per employee ($millions) | 2.7195% | 6,748 |
| Cash dividends to net income (ytd only)* | 110.6122% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,693 |
| Loan loss allowance to noncurrent loans | 144.2424% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 5,984 |
| Noncurrent loans to loans | 0.6375% | 5,975 |
| Net loans and leases to total assets | 72.5378% | 2,272 |
| Net loans and leases to deposits | 84.8877% | 2,724 |
| Net loans and leases to core deposits | 88.0288% | 3,543 |
| Total domestic deposits to total assets | 85.4514% | 3,393 |
| Equity capital to assets | 8.3894% | 6,314 |
| Core capital (leverage) ratio | 8.4033% | 5,579 |
| Tier 1 risk-based capital ratio | 9.6767% | 7,189 |
| Total risk-based capital ratio | 10.4615% | 7,365 |
| Memoranda: | ||
| Average total assets | $69,647,670 | 5,988 |
| Average earning assets | $59,638,000 | 6,114 |
| Average equity | $5,980,000 | 6,473 |
| Average total loans | $49,965,330 | 5,606 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7731% | 1,546 |
| Cost of funding earning assets | 1.0638% | 6,069 |
| Net interest margin | 4.7093% | 768 |
| Noninterest income to average assets | 1.0359% | 1,189 |
| Noninterest expense to average assets | 4.0453% | 969 |
| Loan and lease loss provision to assets | 0.3472% | 3,297 |
| Net operating income to assets | 0.6250% | 3,778 |
| Return on assets (ROA) | 0.6250% | 3,909 |
| Pretax return on assets | 0.6655% | 4,355 |
| Return on Equity (ROE) | 7.1952% | 3,245 |
| Retained earnings to average equity (ytd only) | 4.1972% | 3,630 |
| Net charge-offs to loans | 0.0489% | 4,914 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 29.1667% | 888 |
| Efficiency ratio | 79.9771% | 2,567 |
| Assets per employee ($millions) | 2.6677% | 6,922 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 6,796 |
| Loan loss allowance to noncurrent loans | 227.9188% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 6,410 |
| Noncurrent loans to loans | 0.4014% | 6,486 |
| Net loans and leases to total assets | 70.1153% | 2,905 |
| Net loans and leases to deposits | 81.0668% | 3,447 |
| Net loans and leases to core deposits | 83.3668% | 4,286 |
| Total domestic deposits to total assets | 86.4908% | 2,899 |
| Equity capital to assets | 8.6765% | 5,765 |
| Core capital (leverage) ratio | 8.6189% | 5,177 |
| Tier 1 risk-based capital ratio | 10.0215% | 7,020 |
| Total risk-based capital ratio | 10.7766% | 7,287 |
| Memoranda: | ||
| Average total assets | $69,117,500 | 6,069 |
| Average earning assets | $59,032,500 | 6,205 |
| Average equity | $6,004,000 | 6,519 |
| Average total loans | $49,065,000 | 5,709 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0803% | 1,573 |
| Cost of funding earning assets | 1.3892% | 5,977 |
| Net interest margin | 4.6911% | 847 |
| Noninterest income to average assets | 1.1475% | 1,170 |
| Noninterest expense to average assets | 4.3792% | 897 |
| Loan and lease loss provision to assets | 0.1770% | 5,929 |
| Net operating income to assets | 0.5708% | 3,440 |
| Return on assets (ROA) | 0.5708% | 3,518 |
| Pretax return on assets | 0.5959% | 3,910 |
| Return on Equity (ROE) | 6.5736% | 2,964 |
| Retained earnings to average equity (ytd only) | 3.0915% | 2,997 |
| Net charge-offs to loans | 0.0717% | 6,394 |
| Credit loss provision to net charge-offs | 352.9412% | 915 |
| Earnings coverage of net charge-offs (x) | 15.4118% | 1,311 |
| Efficiency ratio | 84.9986% | 2,228 |
| Assets per employee ($millions) | 2.6490% | 6,954 |
| Cash dividends to net income (ytd only)* | 52.9716% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 7,113 |
| Loan loss allowance to noncurrent loans | 207.8947% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 6,762 |
| Noncurrent loans to loans | 0.3874% | 6,503 |
| Net loans and leases to total assets | 70.6410% | 3,094 |
| Net loans and leases to deposits | 84.0471% | 3,259 |
| Net loans and leases to core deposits | 98.1066% | 4,211 |
| Total domestic deposits to total assets | 84.0494% | 4,004 |
| Equity capital to assets | 8.6969% | 5,588 |
| Core capital (leverage) ratio | 8.6459% | 5,020 |
| Tier 1 risk-based capital ratio | 10.1736% | 6,712 |
| Total risk-based capital ratio | 10.8552% | 7,138 |
| Memoranda: | ||
| Average total assets | $67,797,200 | 6,082 |
| Average earning assets | $57,875,000 | 6,224 |
| Average equity | $5,887,200 | 6,639 |
| Average total loans | $47,431,400 | 5,786 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1099% | 1,618 |
| Cost of funding earning assets | 1.4536% | 6,022 |
| Net interest margin | 4.6562% | 900 |
| Noninterest income to average assets | 1.1235% | 1,252 |
| Noninterest expense to average assets | 4.3161% | 894 |
| Loan and lease loss provision to assets | 0.1066% | 6,308 |
| Net operating income to assets | 0.6555% | 3,376 |
| Return on assets (ROA) | 0.6555% | 3,439 |
| Pretax return on assets | 0.6851% | 3,907 |
| Return on Equity (ROE) | 7.5520% | 2,844 |
| Retained earnings to average equity (ytd only) | 3.4575% | 3,364 |
| Net charge-offs to loans | 0.0397% | 6,351 |
| Credit loss provision to net charge-offs | 385.7143% | 1,048 |
| Earnings coverage of net charge-offs (x) | 28.6369% | 964 |
| Efficiency ratio | 84.4994% | 2,240 |
| Assets per employee ($millions) | 2.4006% | 7,380 |
| Cash dividends to net income (ytd only)* | 54.2154% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 7,314 |
| Loan loss allowance to noncurrent loans | 166.9856% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 6,705 |
| Noncurrent loans to loans | 0.4331% | 6,469 |
| Net loans and leases to total assets | 71.2741% | 3,203 |
| Net loans and leases to deposits | 83.5831% | 3,712 |
| Net loans and leases to core deposits | 98.5944% | 4,539 |
| Total domestic deposits to total assets | 85.2733% | 3,087 |
| Equity capital to assets | 8.9336% | 5,585 |
| Core capital (leverage) ratio | 8.6626% | 5,202 |
| Tier 1 risk-based capital ratio | 10.3371% | 6,636 |
| Total risk-based capital ratio | 10.9521% | 7,191 |
| Memoranda: | ||
| Average total assets | $67,527,750 | 6,124 |
| Average earning assets | $57,784,750 | 6,270 |
| Average equity | $5,861,500 | 6,718 |
| Average total loans | $47,027,000 | 5,848 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0797% | 1,854 |
| Cost of funding earning assets | 1.5139% | 6,081 |
| Net interest margin | 4.5658% | 1,021 |
| Noninterest income to average assets | 1.0498% | 1,434 |
| Noninterest expense to average assets | 4.2495% | 1,010 |
| Loan and lease loss provision to assets | 0.0858% | 6,317 |
| Net operating income to assets | 0.5974% | 3,685 |
| Return on assets (ROA) | 0.5974% | 3,796 |
| Pretax return on assets | 0.6299% | 4,234 |
| Return on Equity (ROE) | 6.9491% | 3,224 |
| Retained earnings to average equity (ytd only) | 2.9929% | 3,654 |
| Net charge-offs to loans | 0.0172% | 6,282 |
| Credit loss provision to net charge-offs | 725.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 589 |
| Efficiency ratio | 85.5867% | 2,270 |
| Assets per employee ($millions) | 2.5479% | 7,151 |
| Cash dividends to net income (ytd only)* | 56.9307% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6956% | 7,436 |
| Loan loss allowance to noncurrent loans | 710.6383% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 7,416 |
| Noncurrent loans to loans | 0.0979% | 7,284 |
| Net loans and leases to total assets | 69.3156% | 3,876 |
| Net loans and leases to deposits | 81.1535% | 4,367 |
| Net loans and leases to core deposits | 94.1461% | 5,099 |
| Total domestic deposits to total assets | 85.4130% | 3,056 |
| Equity capital to assets | 8.6912% | 5,766 |
| Core capital (leverage) ratio | 8.4341% | 5,561 |
| Tier 1 risk-based capital ratio | 9.9797% | 6,946 |
| Total risk-based capital ratio | 10.5543% | 7,523 |
| Memoranda: | ||
| Average total assets | $67,631,000 | 6,166 |
| Average earning assets | $57,996,330 | 6,315 |
| Average equity | $5,813,670 | 6,790 |
| Average total loans | $46,616,670 | 5,907 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0259% | 2,248 |
| Cost of funding earning assets | 1.5777% | 6,128 |
| Net interest margin | 4.4482% | 1,236 |
| Noninterest income to average assets | 0.9486% | 1,646 |
| Noninterest expense to average assets | 4.1641% | 985 |
| Loan and lease loss provision to assets | 0.0835% | 5,888 |
| Net operating income to assets | 0.4952% | 4,441 |
| Return on assets (ROA) | 0.4952% | 4,629 |
| Pretax return on assets | 0.5190% | 5,024 |
| Return on Equity (ROE) | 5.7931% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.7461% | 3,268 |
| Net charge-offs to loans | 0.0261% | 5,170 |
| Credit loss provision to net charge-offs | 466.6667% | 1,137 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 977 |
| Efficiency ratio | 87.3592% | 1,949 |
| Assets per employee ($millions) | 2.4561% | 7,365 |
| Cash dividends to net income (ytd only)* | 18.0723% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 7,523 |
| Loan loss allowance to noncurrent loans | 640.0000% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 7,377 |
| Noncurrent loans to loans | 0.1051% | 7,230 |
| Net loans and leases to total assets | 68.6849% | 3,980 |
| Net loans and leases to deposits | 80.8019% | 4,491 |
| Net loans and leases to core deposits | 93.8172% | 5,175 |
| Total domestic deposits to total assets | 85.0041% | 3,205 |
| Equity capital to assets | 8.6881% | 5,784 |
| Core capital (leverage) ratio | 8.6228% | 5,297 |
| Tier 1 risk-based capital ratio | 10.4511% | 6,445 |
| Total risk-based capital ratio | 11.0294% | 7,075 |
| Memoranda: | ||
| Average total assets | $67,049,500 | 6,212 |
| Average earning assets | $57,551,500 | 6,351 |
| Average equity | $5,731,000 | 6,866 |
| Average total loans | $45,915,500 | 5,966 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6153% | 2,413 |
| Cost of funding earning assets | 2.2340% | 5,441 |
| Net interest margin | 4.3812% | 1,747 |
| Noninterest income to average assets | 0.9432% | 1,802 |
| Noninterest expense to average assets | 4.1361% | 1,220 |
| Loan and lease loss provision to assets | 0.1003% | 6,097 |
| Net operating income to assets | 0.4786% | 4,835 |
| Return on assets (ROA) | 0.4919% | 4,606 |
| Pretax return on assets | 0.5154% | 4,933 |
| Return on Equity (ROE) | 6.1230% | 3,893 |
| Retained earnings to average equity (ytd only) | 0.6630% | 4,841 |
| Net charge-offs to loans | 0.0257% | 6,477 |
| Credit loss provision to net charge-offs | 581.8182% | 752 |
| Earnings coverage of net charge-offs (x) | 34.9091% | 1,039 |
| Efficiency ratio | 87.3016% | 1,740 |
| Assets per employee ($millions) | 2.4195% | 7,366 |
| Cash dividends to net income (ytd only)* | 89.1720% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 7,429 |
| Loan loss allowance to noncurrent loans | 594.2308% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 7,251 |
| Noncurrent loans to loans | 0.1174% | 7,065 |
| Net loans and leases to total assets | 67.3014% | 4,587 |
| Net loans and leases to deposits | 78.7047% | 5,243 |
| Net loans and leases to core deposits | 92.4821% | 5,596 |
| Total domestic deposits to total assets | 85.5114% | 2,625 |
| Equity capital to assets | 8.3993% | 6,258 |
| Core capital (leverage) ratio | 7.8767% | 6,688 |
| Tier 1 risk-based capital ratio | 9.7142% | 7,061 |
| Total risk-based capital ratio | 10.2899% | 7,734 |
| Memoranda: | ||
| Average total assets | $63,827,800 | 6,238 |
| Average earning assets | $55,281,200 | 6,357 |
| Average equity | $5,128,200 | 7,105 |
| Average total loans | $42,774,600 | 6,033 |