Home > Madison County Community Bank > Performance and Condition Ratios
Madison County Community 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 | 4.8706% | 2,342 |
| Cost of funding earning assets | 1.3991% | 2,234 |
| Net interest margin | 3.4715% | 2,251 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.5029% | 2,287 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9244% | 2,474 |
| Return on assets (ROA) | 0.9150% | 2,465 |
| Pretax return on assets | 1.1087% | 2,390 |
| Return on Equity (ROE) | 21.3300% | 515 |
| Retained earnings to average equity (ytd only) | 13.7496% | 422 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.0688% | 2,102 |
| Assets per employee ($millions) | 4.9867% | 3,647 |
| Cash dividends to net income (ytd only)* | 35.5336% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0398% | 352 |
| Loan loss allowance to noncurrent loans | 468.1948% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,252 |
| Noncurrent loans to loans | 0.4357% | 1,693 |
| Net loans and leases to total assets | 43.7100% | 3,911 |
| Net loans and leases to deposits | 49.5113% | 3,961 |
| Net loans and leases to core deposits | 55.7434% | 3,924 |
| Total domestic deposits to total assets | 88.2800% | 1,261 |
| Equity capital to assets | 5.2172% | 4,377 |
| Core capital (leverage) ratio | 8.9554% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5575% | 834 |
| Memoranda: | ||
| Average total assets | $177,151,000 | 3,150 |
| Average earning assets | $160,102,000 | 3,170 |
| Average equity | $7,600,200 | 3,981 |
| Average total loans | $82,075,800 | 3,381 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 2,425 |
| Cost of funding earning assets | 1.2595% | 2,259 |
| Net interest margin | 3.4651% | 2,297 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4935% | 2,253 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9233% | 2,604 |
| Return on assets (ROA) | 0.9107% | 2,631 |
| Pretax return on assets | 1.1018% | 2,562 |
| Return on Equity (ROE) | 22.4600% | 529 |
| Retained earnings to average equity (ytd only) | 11.9012% | 988 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0404% | 2,011 |
| Assets per employee ($millions) | 5.1929% | 3,438 |
| Cash dividends to net income (ytd only)* | 47.0149% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8985% | 478 |
| Loan loss allowance to noncurrent loans | 570.5674% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 2,542 |
| Noncurrent loans to loans | 0.3327% | 2,037 |
| Net loans and leases to total assets | 45.7400% | 3,842 |
| Net loans and leases to deposits | 50.6670% | 3,911 |
| Net loans and leases to core deposits | 56.3354% | 3,844 |
| Total domestic deposits to total assets | 90.2800% | 867 |
| Equity capital to assets | 3.2649% | 4,470 |
| Core capital (leverage) ratio | 8.7993% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4212% | 1,030 |
| Memoranda: | ||
| Average total assets | $176,558,500 | 3,159 |
| Average earning assets | $159,951,250 | 3,181 |
| Average equity | $7,158,750 | 4,031 |
| Average total loans | $82,568,750 | 3,385 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 2,585 |
| Cost of funding earning assets | 1.0520% | 2,451 |
| Net interest margin | 3.4732% | 2,335 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.4561% | 2,329 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9651% | 2,527 |
| Return on assets (ROA) | 0.9461% | 2,586 |
| Pretax return on assets | 1.1463% | 2,519 |
| Return on Equity (ROE) | 21.8600% | 549 |
| Retained earnings to average equity (ytd only) | 6.8719% | 2,328 |
| Net charge-offs to loans | 0.0024% | 2,264 |
| Credit loss provision to net charge-offs | 3,200.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 1,070.0000% | 134 |
| Efficiency ratio | 66.7392% | 2,150 |
| Assets per employee ($millions) | 5.8312% | 2,856 |
| Cash dividends to net income (ytd only)* | 68.5611% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 523 |
| Loan loss allowance to noncurrent loans | 627.1654% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 2,531 |
| Noncurrent loans to loans | 0.2986% | 2,065 |
| Net loans and leases to total assets | 47.7100% | 3,701 |
| Net loans and leases to deposits | 51.9326% | 3,839 |
| Net loans and leases to core deposits | 57.0208% | 3,768 |
| Total domestic deposits to total assets | 91.8700% | 441 |
| Equity capital to assets | 4.4479% | 4,452 |
| Core capital (leverage) ratio | 8.9722% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2936% | 1,067 |
| Memoranda: | ||
| Average total assets | $174,827,000 | 3,183 |
| Average earning assets | $158,932,333 | 3,199 |
| Average equity | $7,567,000 | 4,009 |
| Average total loans | $81,841,333 | 3,392 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 2,483 |
| Cost of funding earning assets | 0.8487% | 2,540 |
| Net interest margin | 3.5757% | 2,178 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.4008% | 2,526 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1118% | 2,187 |
| Return on assets (ROA) | 1.0780% | 2,264 |
| Pretax return on assets | 1.3160% | 2,137 |
| Return on Equity (ROE) | 25.2500% | 391 |
| Retained earnings to average equity (ytd only) | -5.1475% | 4,333 |
| Net charge-offs to loans | 0.0100% | 1,566 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 308.5000% | 359 |
| Efficiency ratio | 62.9652% | 2,573 |
| Assets per employee ($millions) | 5.6711% | 3,051 |
| Cash dividends to net income (ytd only)* | 120.3822% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 504 |
| Loan loss allowance to noncurrent loans | 613.9535% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,454 |
| Noncurrent loans to loans | 0.3135% | 2,023 |
| Net loans and leases to total assets | 47.4400% | 3,672 |
| Net loans and leases to deposits | 50.8515% | 3,850 |
| Net loans and leases to core deposits | 54.9866% | 3,793 |
| Total domestic deposits to total assets | 93.2900% | 259 |
| Equity capital to assets | 4.5817% | 4,480 |
| Core capital (leverage) ratio | 9.0599% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1382% | 1,341 |
| Memoranda: | ||
| Average total assets | $174,772,000 | 3,221 |
| Average earning assets | $159,296,000 | 3,241 |
| Average equity | $7,460,000 | 4,069 |
| Average total loans | $80,234,000 | 3,445 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 2,736 |
| Cost of funding earning assets | 0.3807% | 2,253 |
| Net interest margin | 3.2396% | 2,738 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.2429% | 2,916 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0542% | 2,358 |
| Return on assets (ROA) | 1.0542% | 2,307 |
| Pretax return on assets | 1.2933% | 2,110 |
| Return on Equity (ROE) | 21.8400% | 345 |
| Retained earnings to average equity (ytd only) | 16.2575% | 210 |
| Net charge-offs to loans | 0.0106% | 1,977 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 298.0000% | 492 |
| Efficiency ratio | 62.4685% | 2,700 |
| Assets per employee ($millions) | 6.1866% | 2,608 |
| Cash dividends to net income (ytd only)* | 25.5764% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 431 |
| Loan loss allowance to noncurrent loans | 585.0187% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 2,497 |
| Noncurrent loans to loans | 0.3416% | 1,924 |
| Net loans and leases to total assets | 42.7000% | 3,946 |
| Net loans and leases to deposits | 44.7735% | 4,086 |
| Net loans and leases to core deposits | 46.6026% | 4,097 |
| Total domestic deposits to total assets | 95.3700% | 114 |
| Equity capital to assets | 3.9714% | 4,523 |
| Core capital (leverage) ratio | 8.4795% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9022% | 1,144 |
| Memoranda: | ||
| Average total assets | $176,914,200 | 3,217 |
| Average earning assets | $163,383,000 | 3,217 |
| Average equity | $8,537,600 | 4,044 |
| Average total loans | $75,679,000 | 3,480 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4090% | 2,895 |
| Cost of funding earning assets | 0.3857% | 1,393 |
| Net interest margin | 3.0233% | 3,157 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.1978% | 2,938 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9182% | 2,802 |
| Return on assets (ROA) | 0.9182% | 2,769 |
| Pretax return on assets | 1.1163% | 2,672 |
| Return on Equity (ROE) | 18.2100% | 617 |
| Retained earnings to average equity (ytd only) | 11.0524% | 1,039 |
| Net charge-offs to loans | 0.0036% | 2,090 |
| Credit loss provision to net charge-offs | 3,600.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 774.0000% | 213 |
| Efficiency ratio | 65.2447% | 2,380 |
| Assets per employee ($millions) | 5.8936% | 2,855 |
| Cash dividends to net income (ytd only)* | 39.2916% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 494 |
| Loan loss allowance to noncurrent loans | 657.0213% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,681 |
| Noncurrent loans to loans | 0.3058% | 2,148 |
| Net loans and leases to total assets | 42.5900% | 3,963 |
| Net loans and leases to deposits | 44.0603% | 4,107 |
| Net loans and leases to core deposits | 45.8533% | 4,117 |
| Total domestic deposits to total assets | 96.6700% | 94 |
| Equity capital to assets | 2.7289% | 4,611 |
| Core capital (leverage) ratio | 8.0079% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3469% | 1,326 |
| Memoranda: | ||
| Average total assets | $176,290,250 | 3,248 |
| Average earning assets | $163,171,500 | 3,244 |
| Average equity | $8,890,750 | 4,048 |
| Average total loans | $75,055,500 | 3,493 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 3,043 |
| Cost of funding earning assets | 0.3984% | 930 |
| Net interest margin | 2.8034% | 3,436 |
| Noninterest income to average assets | 0.5474% | 1,959 |
| Noninterest expense to average assets | 2.1917% | 2,887 |
| Loan and lease loss provision to assets | 0.0545% | 1,600 |
| Net operating income to assets | 0.7574% | 3,117 |
| Return on assets (ROA) | 0.7574% | 3,075 |
| Pretax return on assets | 0.9062% | 3,044 |
| Return on Equity (ROE) | 13.0197% | 1,376 |
| Retained earnings to average equity (ytd only) | 3.7088% | 3,200 |
| Net charge-offs to loans | 0.0054% | 1,812 |
| Credit loss provision to net charge-offs | 2,400.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 423.0000% | 300 |
| Efficiency ratio | 69.5245% | 2,024 |
| Assets per employee ($millions) | 6.8738% | 2,023 |
| Cash dividends to net income (ytd only)* | 71.5142% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 672 |
| Loan loss allowance to noncurrent loans | 612.9032% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 2,744 |
| Noncurrent loans to loans | 0.3089% | 2,229 |
| Net loans and leases to total assets | 44.0731% | 3,828 |
| Net loans and leases to deposits | 46.1676% | 4,018 |
| Net loans and leases to core deposits | 48.6998% | 3,995 |
| Total domestic deposits to total assets | 95.4633% | 109 |
| Equity capital to assets | 3.9509% | 4,630 |
| Core capital (leverage) ratio | 7.7950% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0430% | 1,694 |
| Memoranda: | ||
| Average total assets | $176,117,667 | 3,277 |
| Average earning assets | $163,660,333 | 3,282 |
| Average equity | $10,246,000 | 3,957 |
| Average total loans | $74,456,000 | 3,543 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0815% | 3,035 |
| Cost of funding earning assets | 0.3922% | 911 |
| Net interest margin | 2.6893% | 3,432 |
| Noninterest income to average assets | 0.5171% | 2,056 |
| Noninterest expense to average assets | 2.1851% | 2,884 |
| Loan and lease loss provision to assets | 0.0549% | 1,395 |
| Net operating income to assets | 0.6681% | 3,168 |
| Return on assets (ROA) | 0.6681% | 3,152 |
| Pretax return on assets | 0.7871% | 3,147 |
| Return on Equity (ROE) | 9.8661% | 2,011 |
| Retained earnings to average equity (ytd only) | -6.2508% | 4,466 |
| Net charge-offs to loans | 0.0056% | 1,554 |
| Credit loss provision to net charge-offs | 2,400.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 368.0000% | 272 |
| Efficiency ratio | 72.1844% | 1,952 |
| Assets per employee ($millions) | 6.3785% | 2,468 |
| Cash dividends to net income (ytd only)* | 163.3562% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 576 |
| Loan loss allowance to noncurrent loans | 596.4143% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,807 |
| Noncurrent loans to loans | 0.3430% | 2,254 |
| Net loans and leases to total assets | 40.1391% | 4,003 |
| Net loans and leases to deposits | 42.7513% | 4,129 |
| Net loans and leases to core deposits | 45.1319% | 4,117 |
| Total domestic deposits to total assets | 93.8897% | 122 |
| Equity capital to assets | 5.5146% | 4,661 |
| Core capital (leverage) ratio | 7.9806% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7849% | 1,565 |
| Memoranda: | ||
| Average total assets | $174,817,000 | 3,308 |
| Average earning assets | $163,166,000 | 3,299 |
| Average equity | $11,838,500 | 3,876 |
| Average total loans | $71,540,500 | 3,593 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2655% | 3,310 |
| Cost of funding earning assets | 0.4198% | 1,392 |
| Net interest margin | 2.8456% | 3,574 |
| Noninterest income to average assets | 0.5922% | 2,196 |
| Noninterest expense to average assets | 2.2536% | 2,935 |
| Loan and lease loss provision to assets | 0.0922% | 1,353 |
| Net operating income to assets | 0.7549% | 3,474 |
| Return on assets (ROA) | 0.7748% | 3,476 |
| Pretax return on assets | 0.9334% | 3,410 |
| Return on Equity (ROE) | 9.2484% | 2,805 |
| Retained earnings to average equity (ytd only) | 5.9087% | 2,397 |
| Net charge-offs to loans | 0.0229% | 1,793 |
| Credit loss provision to net charge-offs | 937.5000% | 557 |
| Earnings coverage of net charge-offs (x) | 101.8125% | 873 |
| Efficiency ratio | 69.2293% | 1,827 |
| Assets per employee ($millions) | 6.1084% | 2,656 |
| Cash dividends to net income (ytd only)* | 36.1111% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1088% | 512 |
| Loan loss allowance to noncurrent loans | 261.3475% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 1,916 |
| Noncurrent loans to loans | 0.8069% | 1,264 |
| Net loans and leases to total assets | 40.0047% | 4,092 |
| Net loans and leases to deposits | 43.8341% | 4,188 |
| Net loans and leases to core deposits | 46.4407% | 4,165 |
| Total domestic deposits to total assets | 91.2638% | 396 |
| Equity capital to assets | 8.0849% | 4,317 |
| Core capital (leverage) ratio | 8.1165% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9341% | 1,280 |
| Memoranda: | ||
| Average total assets | $162,626,400 | 3,373 |
| Average earning assets | $152,199,000 | 3,358 |
| Average equity | $13,624,000 | 3,779 |
| Average total loans | $69,967,400 | 3,648 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 3,327 |
| Cost of funding earning assets | 0.4262% | 1,510 |
| Net interest margin | 2.8982% | 3,556 |
| Noninterest income to average assets | 0.5781% | 2,308 |
| Noninterest expense to average assets | 2.2376% | 2,938 |
| Loan and lease loss provision to assets | 0.1246% | 937 |
| Net operating income to assets | 0.7831% | 3,570 |
| Return on assets (ROA) | 0.8107% | 3,569 |
| Pretax return on assets | 0.9593% | 3,565 |
| Return on Equity (ROE) | 9.5874% | 2,889 |
| Retained earnings to average equity (ytd only) | 5.1179% | 3,175 |
| Net charge-offs to loans | 0.0152% | 1,778 |
| Credit loss provision to net charge-offs | 1,875.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 158.2500% | 653 |
| Efficiency ratio | 68.0303% | 1,831 |
| Assets per employee ($millions) | 6.2232% | 2,479 |
| Cash dividends to net income (ytd only)* | 46.6189% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0989% | 533 |
| Loan loss allowance to noncurrent loans | 261.3757% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 2,097 |
| Noncurrent loans to loans | 0.8030% | 1,415 |
| Net loans and leases to total assets | 41.1392% | 4,139 |
| Net loans and leases to deposits | 45.1240% | 4,272 |
| Net loans and leases to core deposits | 47.9522% | 4,243 |
| Total domestic deposits to total assets | 91.1693% | 317 |
| Equity capital to assets | 8.2255% | 4,397 |
| Core capital (leverage) ratio | 8.1175% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6870% | 1,431 |
| Memoranda: | ||
| Average total assets | $160,524,250 | 3,421 |
| Average earning assets | $150,156,750 | 3,414 |
| Average equity | $13,573,000 | 3,830 |
| Average total loans | $69,985,250 | 3,700 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3433% | 3,327 |
| Cost of funding earning assets | 0.4289% | 1,665 |
| Net interest margin | 2.9144% | 3,543 |
| Noninterest income to average assets | 0.5569% | 2,382 |
| Noninterest expense to average assets | 2.2478% | 2,929 |
| Loan and lease loss provision to assets | 0.1519% | 781 |
| Net operating income to assets | 0.7554% | 3,628 |
| Return on assets (ROA) | 0.7974% | 3,593 |
| Pretax return on assets | 0.9328% | 3,591 |
| Return on Equity (ROE) | 9.3400% | 2,997 |
| Retained earnings to average equity (ytd only) | 2.5945% | 3,972 |
| Net charge-offs to loans | 0.0115% | 1,733 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 204.5000% | 490 |
| Efficiency ratio | 68.4657% | 1,824 |
| Assets per employee ($millions) | 6.0659% | 2,546 |
| Cash dividends to net income (ytd only)* | 72.2222% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 541 |
| Loan loss allowance to noncurrent loans | 294.7368% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 2,412 |
| Noncurrent loans to loans | 0.6982% | 1,684 |
| Net loans and leases to total assets | 42.3131% | 4,160 |
| Net loans and leases to deposits | 46.4340% | 4,294 |
| Net loans and leases to core deposits | 49.2408% | 4,266 |
| Total domestic deposits to total assets | 91.1252% | 338 |
| Equity capital to assets | 8.3204% | 4,344 |
| Core capital (leverage) ratio | 8.1372% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6311% | 1,437 |
| Memoranda: | ||
| Average total assets | $158,023,333 | 3,450 |
| Average earning assets | $147,818,333 | 3,443 |
| Average equity | $13,490,333 | 3,844 |
| Average total loans | $69,778,000 | 3,727 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 3,132 |
| Cost of funding earning assets | 0.4299% | 1,863 |
| Net interest margin | 2.9928% | 3,278 |
| Noninterest income to average assets | 0.6059% | 2,180 |
| Noninterest expense to average assets | 2.2714% | 2,875 |
| Loan and lease loss provision to assets | 0.1547% | 831 |
| Net operating income to assets | 0.8257% | 3,336 |
| Return on assets (ROA) | 0.9101% | 3,181 |
| Pretax return on assets | 1.0803% | 3,165 |
| Return on Equity (ROE) | 10.5200% | 2,524 |
| Retained earnings to average equity (ytd only) | -3.0398% | 4,602 |
| Net charge-offs to loans | 0.0231% | 1,282 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 579 |
| Efficiency ratio | 66.6919% | 2,127 |
| Assets per employee ($millions) | 6.0307% | 2,573 |
| Cash dividends to net income (ytd only)* | 128.8952% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 586 |
| Loan loss allowance to noncurrent loans | 280.3213% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 2,078 |
| Noncurrent loans to loans | 0.7184% | 1,806 |
| Net loans and leases to total assets | 43.3216% | 4,153 |
| Net loans and leases to deposits | 47.6574% | 4,271 |
| Net loans and leases to core deposits | 50.5567% | 4,266 |
| Total domestic deposits to total assets | 90.9022% | 437 |
| Equity capital to assets | 8.3516% | 4,231 |
| Core capital (leverage) ratio | 8.5120% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4865% | 1,170 |
| Memoranda: | ||
| Average total assets | $155,145,500 | 3,477 |
| Average earning assets | $145,150,000 | 3,463 |
| Average equity | $13,422,000 | 3,855 |
| Average total loans | $69,289,000 | 3,757 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 3,202 |
| Cost of funding earning assets | 0.4897% | 3,016 |
| Net interest margin | 3.3450% | 2,942 |
| Noninterest income to average assets | 0.5981% | 2,218 |
| Noninterest expense to average assets | 2.3660% | 3,222 |
| Loan and lease loss provision to assets | 0.2146% | 1,831 |
| Net operating income to assets | 0.9422% | 2,514 |
| Return on assets (ROA) | 0.9523% | 2,618 |
| Pretax return on assets | 1.1426% | 2,541 |
| Return on Equity (ROE) | 10.5673% | 1,787 |
| Retained earnings to average equity (ytd only) | 7.4472% | 1,214 |
| Net charge-offs to loans | 0.0216% | 2,628 |
| Credit loss provision to net charge-offs | 2,000.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 125.3333% | 681 |
| Efficiency ratio | 63.7555% | 2,859 |
| Assets per employee ($millions) | 5.6850% | 2,643 |
| Cash dividends to net income (ytd only)* | 29.5267% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 668 |
| Loan loss allowance to noncurrent loans | 265.8730% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 2,203 |
| Noncurrent loans to loans | 0.7277% | 1,887 |
| Net loans and leases to total assets | 44.2460% | 4,229 |
| Net loans and leases to deposits | 48.8833% | 4,363 |
| Net loans and leases to core deposits | 51.2079% | 4,382 |
| Total domestic deposits to total assets | 90.5136% | 374 |
| Equity capital to assets | 8.9574% | 4,096 |
| Core capital (leverage) ratio | 8.5483% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4011% | 982 |
| Memoranda: | ||
| Average total assets | $139,773,600 | 3,513 |
| Average earning assets | $130,076,600 | 3,505 |
| Average equity | $12,595,400 | 3,906 |
| Average total loans | $69,604,200 | 3,749 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 3,263 |
| Cost of funding earning assets | 0.5000% | 3,228 |
| Net interest margin | 3.3967% | 2,934 |
| Noninterest income to average assets | 0.6356% | 2,046 |
| Noninterest expense to average assets | 2.5572% | 2,672 |
| Loan and lease loss provision to assets | 0.2200% | 1,827 |
| Net operating income to assets | 0.8564% | 2,879 |
| Return on assets (ROA) | 0.8703% | 2,952 |
| Pretax return on assets | 1.0307% | 2,961 |
| Return on Equity (ROE) | 9.6420% | 2,154 |
| Retained earnings to average equity (ytd only) | 5.3843% | 2,385 |
| Net charge-offs to loans | 0.0230% | 2,389 |
| Credit loss provision to net charge-offs | 1,875.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 105.1667% | 762 |
| Efficiency ratio | 67.4491% | 2,258 |
| Assets per employee ($millions) | 5.9748% | 2,289 |
| Cash dividends to net income (ytd only)* | 44.1573% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 806 |
| Loan loss allowance to noncurrent loans | 250.2959% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 2,404 |
| Noncurrent loans to loans | 0.6992% | 2,044 |
| Net loans and leases to total assets | 47.6953% | 4,227 |
| Net loans and leases to deposits | 52.6194% | 4,387 |
| Net loans and leases to core deposits | 54.7345% | 4,421 |
| Total domestic deposits to total assets | 90.6421% | 251 |
| Equity capital to assets | 8.7547% | 4,288 |
| Core capital (leverage) ratio | 8.4456% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9822% | 1,058 |
| Memoranda: | ||
| Average total assets | $136,343,500 | 3,551 |
| Average earning assets | $126,667,750 | 3,530 |
| Average equity | $12,307,000 | 3,949 |
| Average total loans | $69,691,500 | 3,754 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 3,207 |
| Cost of funding earning assets | 0.5087% | 3,481 |
| Net interest margin | 3.5363% | 2,685 |
| Noninterest income to average assets | 0.6454% | 1,950 |
| Noninterest expense to average assets | 2.6500% | 2,525 |
| Loan and lease loss provision to assets | 0.2273% | 1,844 |
| Net operating income to assets | 0.8886% | 2,737 |
| Return on assets (ROA) | 0.8924% | 2,839 |
| Pretax return on assets | 1.0485% | 2,880 |
| Return on Equity (ROE) | 9.7757% | 2,062 |
| Retained earnings to average equity (ytd only) | 3.2530% | 3,286 |
| Net charge-offs to loans | 0.0204% | 2,316 |
| Credit loss provision to net charge-offs | 2,142.8571% | 456 |
| Earnings coverage of net charge-offs (x) | 119.8571% | 624 |
| Efficiency ratio | 67.5811% | 2,297 |
| Assets per employee ($millions) | 5.8206% | 2,350 |
| Cash dividends to net income (ytd only)* | 66.7233% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 981 |
| Loan loss allowance to noncurrent loans | 235.3635% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 2,420 |
| Noncurrent loans to loans | 0.6848% | 2,160 |
| Net loans and leases to total assets | 50.2539% | 4,153 |
| Net loans and leases to deposits | 55.4467% | 4,317 |
| Net loans and leases to core deposits | 58.1139% | 4,347 |
| Total domestic deposits to total assets | 90.6346% | 244 |
| Equity capital to assets | 8.7592% | 4,303 |
| Core capital (leverage) ratio | 9.2110% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5938% | 1,116 |
| Memoranda: | ||
| Average total assets | $132,001,000 | 3,576 |
| Average earning assets | $122,274,333 | 3,574 |
| Average equity | $12,050,333 | 3,977 |
| Average total loans | $68,751,333 | 3,779 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,878 |
| Cost of funding earning assets | 0.5311% | 3,784 |
| Net interest margin | 3.7840% | 2,039 |
| Noninterest income to average assets | 0.5877% | 2,092 |
| Noninterest expense to average assets | 2.6732% | 2,770 |
| Loan and lease loss provision to assets | 0.2395% | 1,298 |
| Net operating income to assets | 0.9630% | 2,308 |
| Return on assets (ROA) | 0.9709% | 2,384 |
| Pretax return on assets | 1.1657% | 2,321 |
| Return on Equity (ROE) | 10.3909% | 1,614 |
| Retained earnings to average equity (ytd only) | -3.0421% | 4,359 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6986% | 3,009 |
| Assets per employee ($millions) | 5.3366% | 2,292 |
| Cash dividends to net income (ytd only)* | 129.2763% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 898 |
| Loan loss allowance to noncurrent loans | 210.8209% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 1,966 |
| Noncurrent loans to loans | 0.7999% | 2,010 |
| Net loans and leases to total assets | 51.4331% | 4,152 |
| Net loans and leases to deposits | 56.8869% | 4,331 |
| Net loans and leases to core deposits | 59.9381% | 4,357 |
| Total domestic deposits to total assets | 90.4129% | 217 |
| Equity capital to assets | 9.0140% | 4,591 |
| Core capital (leverage) ratio | 9.5330% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,244,000 | 3,636 |
| Average earning assets | $115,223,500 | 3,632 |
| Average equity | $11,702,500 | 4,035 |
| Average total loans | $65,964,500 | 3,850 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 3,427 |
| Cost of funding earning assets | 0.4966% | 4,107 |
| Net interest margin | 3.8428% | 2,365 |
| Noninterest income to average assets | 0.5944% | 2,255 |
| Noninterest expense to average assets | 2.6618% | 2,988 |
| Loan and lease loss provision to assets | 0.2812% | 620 |
| Net operating income to assets | 0.9510% | 3,014 |
| Return on assets (ROA) | 0.9869% | 2,973 |
| Pretax return on assets | 1.2360% | 2,717 |
| Return on Equity (ROE) | 11.0037% | 1,886 |
| Retained earnings to average equity (ytd only) | 8.4582% | 842 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3867% | 3,022 |
| Assets per employee ($millions) | 4.5337% | 3,176 |
| Cash dividends to net income (ytd only)* | 23.1331% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 928 |
| Loan loss allowance to noncurrent loans | 200.9524% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 1,749 |
| Noncurrent loans to loans | 0.8086% | 1,891 |
| Net loans and leases to total assets | 52.1767% | 4,217 |
| Net loans and leases to deposits | 58.1367% | 4,366 |
| Net loans and leases to core deposits | 60.7964% | 4,406 |
| Total domestic deposits to total assets | 89.7483% | 408 |
| Equity capital to assets | 9.6888% | 4,188 |
| Core capital (leverage) ratio | 9.5768% | 3,986 |
| Tier 1 risk-based capital ratio | 16.7515% | 2,138 |
| Total risk-based capital ratio | 18.0035% | 2,075 |
| Memoranda: | ||
| Average total assets | $124,838,400 | 3,632 |
| Average earning assets | $114,993,400 | 3,632 |
| Average equity | $11,196,200 | 4,092 |
| Average total loans | $64,403,400 | 3,898 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 3,653 |
| Cost of funding earning assets | 0.4802% | 4,221 |
| Net interest margin | 3.8199% | 2,531 |
| Noninterest income to average assets | 0.5909% | 2,255 |
| Noninterest expense to average assets | 2.6231% | 3,094 |
| Loan and lease loss provision to assets | 0.2870% | 517 |
| Net operating income to assets | 0.9461% | 3,183 |
| Return on assets (ROA) | 0.9746% | 3,150 |
| Pretax return on assets | 1.2340% | 2,874 |
| Return on Equity (ROE) | 11.0844% | 1,987 |
| Retained earnings to average equity (ytd only) | 7.6394% | 1,565 |
| Net charge-offs to loans | 0.0166% | 2,812 |
| Credit loss provision to net charge-offs | 3,375.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 174.5661% | 489 |
| Efficiency ratio | 63.8551% | 3,033 |
| Assets per employee ($millions) | 4.8763% | 2,694 |
| Cash dividends to net income (ytd only)* | 31.0795% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,262 |
| Loan loss allowance to noncurrent loans | 74.7100% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.3070% | 925 |
| Noncurrent loans to loans | 2.0003% | 673 |
| Net loans and leases to total assets | 50.2236% | 4,418 |
| Net loans and leases to deposits | 55.7014% | 4,563 |
| Net loans and leases to core deposits | 58.1427% | 4,600 |
| Total domestic deposits to total assets | 90.1659% | 247 |
| Equity capital to assets | 9.2221% | 4,651 |
| Core capital (leverage) ratio | 9.3314% | 4,345 |
| Tier 1 risk-based capital ratio | 16.4598% | 2,284 |
| Total risk-based capital ratio | 17.7106% | 2,216 |
| Memoranda: | ||
| Average total assets | $125,445,750 | 3,656 |
| Average earning assets | $115,497,250 | 3,659 |
| Average equity | $11,030,250 | 4,156 |
| Average total loans | $64,273,250 | 3,937 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 3,787 |
| Cost of funding earning assets | 0.4656% | 4,256 |
| Net interest margin | 3.7859% | 2,629 |
| Noninterest income to average assets | 0.6240% | 2,045 |
| Noninterest expense to average assets | 2.6096% | 3,178 |
| Loan and lease loss provision to assets | 0.2880% | 491 |
| Net operating income to assets | 0.9503% | 3,090 |
| Return on assets (ROA) | 0.9920% | 3,021 |
| Pretax return on assets | 1.2656% | 2,691 |
| Return on Equity (ROE) | 11.4712% | 1,798 |
| Retained earnings to average equity (ytd only) | 6.1982% | 2,193 |
| Net charge-offs to loans | 0.0094% | 2,800 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 312.6667% | 259 |
| Efficiency ratio | 63.4877% | 3,216 |
| Assets per employee ($millions) | 4.8011% | 2,738 |
| Cash dividends to net income (ytd only)* | 45.9677% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 1,957 |
| Loan loss allowance to noncurrent loans | 66.2406% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.3459% | 920 |
| Noncurrent loans to loans | 1.9813% | 727 |
| Net loans and leases to total assets | 53.0698% | 4,284 |
| Net loans and leases to deposits | 58.7934% | 4,484 |
| Net loans and leases to core deposits | 61.3986% | 4,522 |
| Total domestic deposits to total assets | 90.2650% | 253 |
| Equity capital to assets | 9.0613% | 4,763 |
| Core capital (leverage) ratio | 9.2397% | 4,417 |
| Tier 1 risk-based capital ratio | 15.8042% | 2,501 |
| Total risk-based capital ratio | 17.0183% | 2,450 |
| Memoranda: | ||
| Average total assets | $125,000,000 | 3,689 |
| Average earning assets | $115,110,000 | 3,690 |
| Average equity | $10,809,670 | 4,197 |
| Average total loans | $64,150,670 | 3,969 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 3,834 |
| Cost of funding earning assets | 0.4441% | 4,319 |
| Net interest margin | 3.7648% | 2,653 |
| Noninterest income to average assets | 0.6300% | 1,911 |
| Noninterest expense to average assets | 2.5742% | 3,284 |
| Loan and lease loss provision to assets | 0.2878% | 465 |
| Net operating income to assets | 0.9676% | 2,982 |
| Return on assets (ROA) | 0.9625% | 3,043 |
| Pretax return on assets | 1.2312% | 2,694 |
| Return on Equity (ROE) | 11.4026% | 1,780 |
| Retained earnings to average equity (ytd only) | 0.6061% | 4,409 |
| Net charge-offs to loans | 0.0192% | 2,082 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 484 |
| Efficiency ratio | 62.7925% | 3,410 |
| Assets per employee ($millions) | 5.0271% | 2,482 |
| Cash dividends to net income (ytd only)* | 94.6844% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,322 |
| Loan loss allowance to noncurrent loans | 53.0516% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4887% | 806 |
| Noncurrent loans to loans | 2.3579% | 571 |
| Net loans and leases to total assets | 49.6853% | 4,489 |
| Net loans and leases to deposits | 54.7645% | 4,652 |
| Net loans and leases to core deposits | 56.9086% | 4,679 |
| Total domestic deposits to total assets | 90.7254% | 223 |
| Equity capital to assets | 8.5767% | 4,941 |
| Core capital (leverage) ratio | 8.9779% | 4,666 |
| Tier 1 risk-based capital ratio | 16.1085% | 2,387 |
| Total risk-based capital ratio | 17.2513% | 2,385 |
| Memoranda: | ||
| Average total assets | $125,086,000 | 3,720 |
| Average earning assets | $115,278,500 | 3,727 |
| Average equity | $10,559,000 | 4,255 |
| Average total loans | $62,662,500 | 4,038 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7255% | 4,631 |
| Cost of funding earning assets | 0.4047% | 3,959 |
| Net interest margin | 3.3209% | 4,202 |
| Noninterest income to average assets | 0.5804% | 2,399 |
| Noninterest expense to average assets | 2.5139% | 3,572 |
| Loan and lease loss provision to assets | 0.2392% | 740 |
| Net operating income to assets | 0.6841% | 4,187 |
| Return on assets (ROA) | 0.6841% | 4,191 |
| Pretax return on assets | 0.8699% | 3,974 |
| Return on Equity (ROE) | 8.6948% | 3,144 |
| Retained earnings to average equity (ytd only) | 6.0093% | 2,193 |
| Net charge-offs to loans | 0.1417% | 1,340 |
| Credit loss provision to net charge-offs | 361.4458% | 884 |
| Earnings coverage of net charge-offs (x) | 16.7590% | 2,228 |
| Efficiency ratio | 69.3882% | 2,309 |
| Assets per employee ($millions) | 4.7883% | 2,757 |
| Cash dividends to net income (ytd only)* | 30.8858% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 2,910 |
| Loan loss allowance to noncurrent loans | 53.5769% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.3848% | 892 |
| Noncurrent loans to loans | 2.1162% | 622 |
| Net loans and leases to total assets | 49.3088% | 4,564 |
| Net loans and leases to deposits | 54.3565% | 4,737 |
| Net loans and leases to core deposits | 56.7888% | 4,751 |
| Total domestic deposits to total assets | 90.7137% | 271 |
| Equity capital to assets | 8.3048% | 5,047 |
| Core capital (leverage) ratio | 8.8435% | 4,777 |
| Tier 1 risk-based capital ratio | 16.5917% | 2,208 |
| Total risk-based capital ratio | 17.6407% | 2,212 |
| Memoranda: | ||
| Average total assets | $125,420,200 | 3,707 |
| Average earning assets | $114,910,200 | 3,735 |
| Average equity | $9,868,000 | 4,320 |
| Average total loans | $58,592,600 | 4,128 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5937% | 4,820 |
| Cost of funding earning assets | 0.3957% | 3,893 |
| Net interest margin | 3.1980% | 4,517 |
| Noninterest income to average assets | 0.5698% | 2,475 |
| Noninterest expense to average assets | 2.5127% | 3,550 |
| Loan and lease loss provision to assets | 0.2387% | 670 |
| Net operating income to assets | 0.5825% | 4,545 |
| Return on assets (ROA) | 0.5825% | 4,558 |
| Pretax return on assets | 0.7428% | 4,439 |
| Return on Equity (ROE) | 7.5073% | 3,746 |
| Retained earnings to average equity (ytd only) | 3.8836% | 3,832 |
| Net charge-offs to loans | 0.1155% | 1,352 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 18.4986% | 2,050 |
| Efficiency ratio | 71.9101% | 1,890 |
| Assets per employee ($millions) | 5.0525% | 2,407 |
| Cash dividends to net income (ytd only)* | 48.2691% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 3,076 |
| Loan loss allowance to noncurrent loans | 101.0703% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 1,703 |
| Noncurrent loans to loans | 1.1077% | 1,537 |
| Net loans and leases to total assets | 46.2173% | 4,793 |
| Net loans and leases to deposits | 50.5249% | 4,938 |
| Net loans and leases to core deposits | 52.7329% | 4,946 |
| Total domestic deposits to total assets | 91.4743% | 134 |
| Equity capital to assets | 7.7024% | 5,267 |
| Core capital (leverage) ratio | 8.5523% | 5,062 |
| Tier 1 risk-based capital ratio | 16.6084% | 2,243 |
| Total risk-based capital ratio | 17.6225% | 2,257 |
| Memoranda: | ||
| Average total assets | $125,651,500 | 3,737 |
| Average earning assets | $114,900,750 | 3,771 |
| Average equity | $9,750,250 | 4,375 |
| Average total loans | $57,718,000 | 4,192 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 4,926 |
| Cost of funding earning assets | 0.3807% | 3,866 |
| Net interest margin | 3.1173% | 4,698 |
| Noninterest income to average assets | 0.5581% | 2,534 |
| Noninterest expense to average assets | 2.5416% | 3,508 |
| Loan and lease loss provision to assets | 0.2392% | 661 |
| Net operating income to assets | 0.4943% | 4,761 |
| Return on assets (ROA) | 0.4943% | 4,762 |
| Pretax return on assets | 0.6234% | 4,697 |
| Return on Equity (ROE) | 6.3542% | 4,120 |
| Retained earnings to average equity (ytd only) | 0.9224% | 4,775 |
| Net charge-offs to loans | -0.0070% | 4,197 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6604% | 1,617 |
| Assets per employee ($millions) | 4.7446% | 2,758 |
| Cash dividends to net income (ytd only)* | 85.4839% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,543 |
| Loan loss allowance to noncurrent loans | 82.7497% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 1,558 |
| Noncurrent loans to loans | 1.2674% | 1,351 |
| Net loans and leases to total assets | 46.9895% | 4,768 |
| Net loans and leases to deposits | 51.1493% | 4,945 |
| Net loans and leases to core deposits | 53.3360% | 4,951 |
| Total domestic deposits to total assets | 91.8675% | 101 |
| Equity capital to assets | 7.5283% | 5,370 |
| Core capital (leverage) ratio | 8.5306% | 5,084 |
| Tier 1 risk-based capital ratio | 15.3124% | 2,724 |
| Total risk-based capital ratio | 16.2353% | 2,801 |
| Memoranda: | ||
| Average total assets | $125,431,330 | 3,768 |
| Average earning assets | $114,523,330 | 3,798 |
| Average equity | $9,757,330 | 4,416 |
| Average total loans | $57,277,670 | 4,233 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3917% | 5,035 |
| Cost of funding earning assets | 0.3539% | 3,958 |
| Net interest margin | 3.0378% | 4,821 |
| Noninterest income to average assets | 0.5028% | 2,780 |
| Noninterest expense to average assets | 2.5658% | 3,435 |
| Loan and lease loss provision to assets | 0.2417% | 631 |
| Net operating income to assets | 0.3997% | 4,928 |
| Return on assets (ROA) | 0.3997% | 4,928 |
| Pretax return on assets | 0.4899% | 4,885 |
| Return on Equity (ROE) | 5.0540% | 4,470 |
| Retained earnings to average equity (ytd only) | -5.7469% | 5,237 |
| Net charge-offs to loans | -0.0144% | 4,401 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8104% | 1,371 |
| Assets per employee ($millions) | 5.1477% | 2,305 |
| Cash dividends to net income (ytd only)* | 213.7097% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 4,005 |
| Loan loss allowance to noncurrent loans | 76.8392% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 1,571 |
| Noncurrent loans to loans | 1.2921% | 1,392 |
| Net loans and leases to total assets | 45.5247% | 4,817 |
| Net loans and leases to deposits | 49.6145% | 4,977 |
| Net loans and leases to core deposits | 51.5792% | 4,995 |
| Total domestic deposits to total assets | 91.7568% | 138 |
| Equity capital to assets | 7.7308% | 5,356 |
| Core capital (leverage) ratio | 8.4646% | 5,163 |
| Tier 1 risk-based capital ratio | 16.0677% | 2,438 |
| Total risk-based capital ratio | 16.9391% | 2,542 |
| Memoranda: | ||
| Average total assets | $124,095,500 | 3,829 |
| Average earning assets | $114,160,500 | 3,843 |
| Average equity | $9,814,000 | 4,453 |
| Average total loans | $55,500,000 | 4,315 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 4,970 |
| Cost of funding earning assets | 0.3502% | 3,719 |
| Net interest margin | 3.0288% | 4,825 |
| Noninterest income to average assets | 0.6176% | 2,365 |
| Noninterest expense to average assets | 2.4997% | 3,785 |
| Loan and lease loss provision to assets | 0.2078% | 968 |
| Net operating income to assets | 0.3615% | 4,805 |
| Return on assets (ROA) | 0.3764% | 4,781 |
| Pretax return on assets | 0.7053% | 4,496 |
| Return on Equity (ROE) | 4.5200% | 4,340 |
| Retained earnings to average equity (ytd only) | 1.9543% | 4,151 |
| Net charge-offs to loans | 0.7322% | 288 |
| Credit loss provision to net charge-offs | 63.3588% | 3,182 |
| Earnings coverage of net charge-offs (x) | 2.7125% | 3,717 |
| Efficiency ratio | 73.7503% | 1,930 |
| Assets per employee ($millions) | 4.6166% | 3,005 |
| Cash dividends to net income (ytd only)* | 56.7627% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 4,482 |
| Loan loss allowance to noncurrent loans | 72.7545% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 1,624 |
| Noncurrent loans to loans | 1.2326% | 1,434 |
| Net loans and leases to total assets | 43.0873% | 5,026 |
| Net loans and leases to deposits | 47.0899% | 5,160 |
| Net loans and leases to core deposits | 49.1624% | 5,161 |
| Total domestic deposits to total assets | 91.5000% | 137 |
| Equity capital to assets | 8.0844% | 5,359 |
| Core capital (leverage) ratio | 8.4159% | 5,210 |
| Tier 1 risk-based capital ratio | 17.0865% | 2,061 |
| Total risk-based capital ratio | 17.8744% | 2,170 |
| Memoranda: | ||
| Average total assets | $119,813,800 | 3,898 |
| Average earning assets | $109,646,800 | 3,923 |
| Average equity | $9,977,800 | 4,452 |
| Average total loans | $53,670,800 | 4,372 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 4,999 |
| Cost of funding earning assets | 0.3433% | 3,736 |
| Net interest margin | 3.0323% | 4,851 |
| Noninterest income to average assets | 0.6183% | 2,375 |
| Noninterest expense to average assets | 2.5361% | 3,606 |
| Loan and lease loss provision to assets | 0.1956% | 978 |
| Net operating income to assets | 0.4560% | 4,866 |
| Return on assets (ROA) | 0.4778% | 4,838 |
| Pretax return on assets | 0.6880% | 4,637 |
| Return on Equity (ROE) | 5.6933% | 4,249 |
| Retained earnings to average equity (ytd only) | 2.2639% | 4,509 |
| Net charge-offs to loans | 0.6649% | 293 |
| Credit loss provision to net charge-offs | 65.1685% | 2,746 |
| Earnings coverage of net charge-offs (x) | 2.8390% | 3,420 |
| Efficiency ratio | 74.8507% | 1,767 |
| Assets per employee ($millions) | 5.0067% | 2,437 |
| Cash dividends to net income (ytd only)* | 60.2347% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 4,092 |
| Loan loss allowance to noncurrent loans | 66.9576% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.1177% | 1,484 |
| Noncurrent loans to loans | 1.4861% | 1,258 |
| Net loans and leases to total assets | 44.4645% | 5,002 |
| Net loans and leases to deposits | 49.1274% | 5,156 |
| Net loans and leases to core deposits | 51.4448% | 5,155 |
| Total domestic deposits to total assets | 90.5086% | 325 |
| Equity capital to assets | 8.5061% | 5,281 |
| Core capital (leverage) ratio | 8.8277% | 4,935 |
| Tier 1 risk-based capital ratio | 17.1899% | 2,101 |
| Total risk-based capital ratio | 18.0678% | 2,171 |
| Memoranda: | ||
| Average total assets | $118,605,500 | 3,956 |
| Average earning assets | $108,343,000 | 3,991 |
| Average equity | $9,953,000 | 4,503 |
| Average total loans | $53,540,250 | 4,417 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 4,972 |
| Cost of funding earning assets | 0.3401% | 3,689 |
| Net interest margin | 3.0594% | 4,772 |
| Noninterest income to average assets | 0.6114% | 2,404 |
| Noninterest expense to average assets | 2.5490% | 3,580 |
| Loan and lease loss provision to assets | 0.1677% | 1,175 |
| Net operating income to assets | 0.4746% | 4,773 |
| Return on assets (ROA) | 0.4793% | 4,794 |
| Pretax return on assets | 0.6893% | 4,580 |
| Return on Equity (ROE) | 5.7382% | 4,163 |
| Retained earnings to average equity (ytd only) | 0.5475% | 4,965 |
| Net charge-offs to loans | 0.3371% | 599 |
| Credit loss provision to net charge-offs | 110.0000% | 1,892 |
| Earnings coverage of net charge-offs (x) | 5.5778% | 2,811 |
| Efficiency ratio | 74.9875% | 1,856 |
| Assets per employee ($millions) | 4.9798% | 2,410 |
| Cash dividends to net income (ytd only)* | 90.4594% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 3,176 |
| Loan loss allowance to noncurrent loans | 61.9186% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 1,214 |
| Noncurrent loans to loans | 1.8951% | 919 |
| Net loans and leases to total assets | 45.0307% | 4,990 |
| Net loans and leases to deposits | 49.4083% | 5,162 |
| Net loans and leases to core deposits | 51.7755% | 5,155 |
| Total domestic deposits to total assets | 91.1400% | 190 |
| Equity capital to assets | 8.4710% | 5,325 |
| Core capital (leverage) ratio | 8.8009% | 4,947 |
| Tier 1 risk-based capital ratio | 16.6485% | 2,259 |
| Total risk-based capital ratio | 17.6741% | 2,302 |
| Memoranda: | ||
| Average total assets | $118,087,000 | 3,990 |
| Average earning assets | $107,604,330 | 4,025 |
| Average equity | $9,863,670 | 4,531 |
| Average total loans | $53,398,330 | 4,438 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 5,000 |
| Cost of funding earning assets | 0.3406% | 3,627 |
| Net interest margin | 3.0279% | 4,833 |
| Noninterest income to average assets | 0.5828% | 2,495 |
| Noninterest expense to average assets | 2.5491% | 3,662 |
| Loan and lease loss provision to assets | 0.1329% | 1,438 |
| Net operating income to assets | 0.4635% | 4,728 |
| Return on assets (ROA) | 0.4635% | 4,749 |
| Pretax return on assets | 0.6577% | 4,571 |
| Return on Equity (ROE) | 5.5889% | 4,098 |
| Retained earnings to average equity (ytd only) | -4.9314% | 5,381 |
| Net charge-offs to loans | 0.5069% | 361 |
| Credit loss provision to net charge-offs | 58.2090% | 1,921 |
| Earnings coverage of net charge-offs (x) | 3.4627% | 2,482 |
| Efficiency ratio | 76.3265% | 1,865 |
| Assets per employee ($millions) | 4.7238% | 2,805 |
| Cash dividends to net income (ytd only)* | 188.2353% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,601 |
| Loan loss allowance to noncurrent loans | 54.5867% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 1,159 |
| Noncurrent loans to loans | 2.0489% | 858 |
| Net loans and leases to total assets | 44.9934% | 4,985 |
| Net loans and leases to deposits | 49.3082% | 5,165 |
| Net loans and leases to core deposits | 51.6923% | 5,156 |
| Total domestic deposits to total assets | 91.2494% | 225 |
| Equity capital to assets | 8.2815% | 5,364 |
| Core capital (leverage) ratio | 8.7298% | 5,021 |
| Tier 1 risk-based capital ratio | 16.4455% | 2,383 |
| Total risk-based capital ratio | 17.4121% | 2,434 |
| Memoranda: | ||
| Average total assets | $117,373,500 | 4,040 |
| Average earning assets | $106,874,500 | 4,067 |
| Average equity | $9,733,500 | 4,583 |
| Average total loans | $52,869,000 | 4,487 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 4,975 |
| Cost of funding earning assets | 0.3535% | 3,481 |
| Net interest margin | 3.0479% | 4,855 |
| Noninterest income to average assets | 0.5168% | 3,119 |
| Noninterest expense to average assets | 2.5059% | 3,992 |
| Loan and lease loss provision to assets | -0.0114% | 5,497 |
| Net operating income to assets | 0.5346% | 4,495 |
| Return on assets (ROA) | 0.5369% | 4,581 |
| Pretax return on assets | 0.7970% | 4,191 |
| Return on Equity (ROE) | 6.2129% | 3,881 |
| Retained earnings to average equity (ytd only) | 3.9426% | 3,114 |
| Net charge-offs to loans | 0.2394% | 1,164 |
| Credit loss provision to net charge-offs | -10.4000% | 4,747 |
| Earnings coverage of net charge-offs (x) | 7.1440% | 3,066 |
| Efficiency ratio | 76.2120% | 1,950 |
| Assets per employee ($millions) | 4.6661% | 2,852 |
| Cash dividends to net income (ytd only)* | 36.5416% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 3,056 |
| Loan loss allowance to noncurrent loans | 81.2903% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2044% | 1,500 |
| Noncurrent loans to loans | 1.4903% | 1,353 |
| Net loans and leases to total assets | 44.0387% | 5,117 |
| Net loans and leases to deposits | 48.2076% | 5,285 |
| Net loans and leases to core deposits | 50.5570% | 5,284 |
| Total domestic deposits to total assets | 91.3521% | 197 |
| Equity capital to assets | 8.3042% | 5,416 |
| Core capital (leverage) ratio | 8.7891% | 4,979 |
| Tier 1 risk-based capital ratio | 17.4067% | 2,033 |
| Total risk-based capital ratio | 18.4668% | 2,044 |
| Memoranda: | ||
| Average total assets | $114,172,600 | 4,088 |
| Average earning assets | $103,809,800 | 4,119 |
| Average equity | $9,866,600 | 4,605 |
| Average total loans | $52,205,200 | 4,515 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4145% | 4,994 |
| Cost of funding earning assets | 0.3549% | 3,490 |
| Net interest margin | 3.0597% | 4,875 |
| Noninterest income to average assets | 0.4896% | 3,324 |
| Noninterest expense to average assets | 2.5432% | 3,851 |
| Loan and lease loss provision to assets | -0.0364% | 5,701 |
| Net operating income to assets | 0.5170% | 4,636 |
| Return on assets (ROA) | 0.5202% | 4,721 |
| Pretax return on assets | 0.7714% | 4,406 |
| Return on Equity (ROE) | 5.9592% | 4,084 |
| Retained earnings to average equity (ytd only) | 2.9460% | 4,140 |
| Net charge-offs to loans | 0.1990% | 1,175 |
| Credit loss provision to net charge-offs | -39.7436% | 4,670 |
| Earnings coverage of net charge-offs (x) | 7.9741% | 2,821 |
| Efficiency ratio | 77.6901% | 1,732 |
| Assets per employee ($millions) | 4.6942% | 2,758 |
| Cash dividends to net income (ytd only)* | 50.5646% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 3,069 |
| Loan loss allowance to noncurrent loans | 107.8560% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.1137% | 1,823 |
| Noncurrent loans to loans | 1.1398% | 1,975 |
| Net loans and leases to total assets | 45.1182% | 5,136 |
| Net loans and leases to deposits | 49.6516% | 5,312 |
| Net loans and leases to core deposits | 52.7092% | 5,280 |
| Total domestic deposits to total assets | 90.8695% | 221 |
| Equity capital to assets | 8.7053% | 5,392 |
| Core capital (leverage) ratio | 8.8071% | 5,045 |
| Tier 1 risk-based capital ratio | 16.9353% | 2,246 |
| Total risk-based capital ratio | 18.0327% | 2,259 |
| Memoranda: | ||
| Average total assets | $113,552,750 | 4,130 |
| Average earning assets | $103,320,500 | 4,158 |
| Average equity | $9,911,500 | 4,632 |
| Average total loans | $52,256,000 | 4,547 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 5,064 |
| Cost of funding earning assets | 0.3548% | 3,516 |
| Net interest margin | 3.0518% | 4,973 |
| Noninterest income to average assets | 0.4631% | 3,441 |
| Noninterest expense to average assets | 2.5595% | 3,862 |
| Loan and lease loss provision to assets | -0.0552% | 5,829 |
| Net operating income to assets | 0.4922% | 4,709 |
| Return on assets (ROA) | 0.4934% | 4,802 |
| Pretax return on assets | 0.7338% | 4,520 |
| Return on Equity (ROE) | 5.6473% | 4,225 |
| Retained earnings to average equity (ytd only) | 1.0805% | 4,953 |
| Net charge-offs to loans | 0.3127% | 759 |
| Credit loss provision to net charge-offs | -38.2716% | 4,507 |
| Earnings coverage of net charge-offs (x) | 4.6914% | 2,956 |
| Efficiency ratio | 79.0864% | 1,622 |
| Assets per employee ($millions) | 4.7557% | 2,620 |
| Cash dividends to net income (ytd only)* | 80.8664% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 3,003 |
| Loan loss allowance to noncurrent loans | 108.7894% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.3519% | 1,478 |
| Noncurrent loans to loans | 1.1594% | 1,980 |
| Net loans and leases to total assets | 44.9928% | 5,178 |
| Net loans and leases to deposits | 49.5179% | 5,359 |
| Net loans and leases to core deposits | 52.8415% | 5,333 |
| Total domestic deposits to total assets | 90.8618% | 218 |
| Equity capital to assets | 8.8088% | 5,396 |
| Core capital (leverage) ratio | 8.7744% | 5,089 |
| Tier 1 risk-based capital ratio | 17.6572% | 2,027 |
| Total risk-based capital ratio | 18.8149% | 2,017 |
| Memoranda: | ||
| Average total assets | $112,285,670 | 4,182 |
| Average earning assets | $102,037,670 | 4,222 |
| Average equity | $9,810,000 | 4,681 |
| Average total loans | $51,805,670 | 4,593 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4314% | 5,043 |
| Cost of funding earning assets | 0.3443% | 3,668 |
| Net interest margin | 3.0871% | 4,899 |
| Noninterest income to average assets | 0.5603% | 2,738 |
| Noninterest expense to average assets | 2.5467% | 3,922 |
| Loan and lease loss provision to assets | 0.0216% | 3,402 |
| Net operating income to assets | 0.5280% | 4,512 |
| Return on assets (ROA) | 0.5280% | 4,621 |
| Pretax return on assets | 0.7938% | 4,214 |
| Return on Equity (ROE) | 6.0694% | 3,954 |
| Retained earnings to average equity (ytd only) | -3.1792% | 5,489 |
| Net charge-offs to loans | 0.5493% | 398 |
| Credit loss provision to net charge-offs | 8.4507% | 2,370 |
| Earnings coverage of net charge-offs (x) | 3.1972% | 2,574 |
| Efficiency ratio | 75.7479% | 2,212 |
| Assets per employee ($millions) | 5.0189% | 2,321 |
| Cash dividends to net income (ytd only)* | 152.3810% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,572 |
| Loan loss allowance to noncurrent loans | 113.2045% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.8602% | 982 |
| Noncurrent loans to loans | 1.2083% | 2,009 |
| Net loans and leases to total assets | 45.9091% | 5,120 |
| Net loans and leases to deposits | 50.5333% | 5,314 |
| Net loans and leases to core deposits | 53.7921% | 5,266 |
| Total domestic deposits to total assets | 90.8492% | 312 |
| Equity capital to assets | 8.8239% | 5,321 |
| Core capital (leverage) ratio | 8.8645% | 5,007 |
| Tier 1 risk-based capital ratio | 17.4754% | 2,128 |
| Total risk-based capital ratio | 18.7195% | 2,103 |
| Memoranda: | ||
| Average total assets | $111,360,500 | 4,238 |
| Average earning assets | $101,066,500 | 4,268 |
| Average equity | $9,688,000 | 4,730 |
| Average total loans | $51,704,000 | 4,623 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2928% | 5,357 |
| Cost of funding earning assets | 0.4093% | 3,055 |
| Net interest margin | 2.8835% | 5,360 |
| Noninterest income to average assets | 0.5433% | 3,053 |
| Noninterest expense to average assets | 2.4454% | 4,393 |
| Loan and lease loss provision to assets | 0.0323% | 3,717 |
| Net operating income to assets | 0.4670% | 4,824 |
| Return on assets (ROA) | 0.5020% | 4,780 |
| Pretax return on assets | 0.7768% | 4,275 |
| Return on Equity (ROE) | 5.9381% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.8560% | 3,295 |
| Net charge-offs to loans | 0.2320% | 1,284 |
| Credit loss provision to net charge-offs | 30.0000% | 3,658 |
| Earnings coverage of net charge-offs (x) | 7.0083% | 3,133 |
| Efficiency ratio | 76.4029% | 2,206 |
| Assets per employee ($millions) | 5.1048% | 2,235 |
| Cash dividends to net income (ytd only)* | 35.0626% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 2,113 |
| Loan loss allowance to noncurrent loans | 79.1753% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.8797% | 977 |
| Noncurrent loans to loans | 1.8649% | 1,154 |
| Net loans and leases to total assets | 45.6311% | 5,182 |
| Net loans and leases to deposits | 50.0102% | 5,393 |
| Net loans and leases to core deposits | 53.3035% | 5,356 |
| Total domestic deposits to total assets | 91.2435% | 227 |
| Equity capital to assets | 8.5775% | 5,497 |
| Core capital (leverage) ratio | 9.0014% | 4,881 |
| Tier 1 risk-based capital ratio | 17.5964% | 2,093 |
| Total risk-based capital ratio | 18.8482% | 2,043 |
| Memoranda: | ||
| Average total assets | $111,353,600 | 4,235 |
| Average earning assets | $102,618,200 | 4,221 |
| Average equity | $9,413,800 | 4,767 |
| Average total loans | $51,724,400 | 4,614 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2612% | 5,484 |
| Cost of funding earning assets | 0.4060% | 3,166 |
| Net interest margin | 2.8551% | 5,486 |
| Noninterest income to average assets | 0.4944% | 3,408 |
| Noninterest expense to average assets | 2.3974% | 4,520 |
| Loan and lease loss provision to assets | 0.0576% | 3,033 |
| Net operating income to assets | 0.4381% | 5,016 |
| Return on assets (ROA) | 0.4788% | 4,961 |
| Pretax return on assets | 0.7440% | 4,523 |
| Return on Equity (ROE) | 5.6843% | 4,311 |
| Retained earnings to average equity (ytd only) | 2.8920% | 4,389 |
| Net charge-offs to loans | 0.1936% | 1,314 |
| Credit loss provision to net charge-offs | 64.0000% | 2,856 |
| Earnings coverage of net charge-offs (x) | 8.1998% | 2,835 |
| Efficiency ratio | 76.4638% | 2,166 |
| Assets per employee ($millions) | 4.9370% | 2,375 |
| Cash dividends to net income (ytd only)* | 49.1231% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 1,834 |
| Loan loss allowance to noncurrent loans | 80.8636% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.0982% | 942 |
| Noncurrent loans to loans | 1.9630% | 1,185 |
| Net loans and leases to total assets | 47.0340% | 5,147 |
| Net loans and leases to deposits | 51.7143% | 5,384 |
| Net loans and leases to core deposits | 55.0899% | 5,348 |
| Total domestic deposits to total assets | 90.9497% | 253 |
| Equity capital to assets | 8.8155% | 5,477 |
| Core capital (leverage) ratio | 8.9686% | 5,031 |
| Tier 1 risk-based capital ratio | 17.5744% | 2,166 |
| Total risk-based capital ratio | 18.8274% | 2,121 |
| Memoranda: | ||
| Average total assets | $111,115,750 | 4,284 |
| Average earning assets | $102,782,750 | 4,264 |
| Average equity | $9,359,000 | 4,836 |
| Average total loans | $51,652,000 | 4,668 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2063% | 5,613 |
| Cost of funding earning assets | 0.4092% | 3,170 |
| Net interest margin | 2.7971% | 5,618 |
| Noninterest income to average assets | 0.4752% | 3,523 |
| Noninterest expense to average assets | 2.3261% | 4,780 |
| Loan and lease loss provision to assets | 0.0858% | 2,399 |
| Net operating income to assets | 0.4253% | 5,062 |
| Return on assets (ROA) | 0.4859% | 4,932 |
| Pretax return on assets | 0.7593% | 4,457 |
| Return on Equity (ROE) | 5.8577% | 4,201 |
| Retained earnings to average equity (ytd only) | 1.6367% | 4,882 |
| Net charge-offs to loans | 0.1435% | 1,636 |
| Credit loss provision to net charge-offs | 129.7297% | 1,699 |
| Earnings coverage of net charge-offs (x) | 11.3514% | 2,299 |
| Efficiency ratio | 75.6098% | 2,431 |
| Assets per employee ($millions) | 4.7423% | 2,616 |
| Cash dividends to net income (ytd only)* | 72.0588% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 1,663 |
| Loan loss allowance to noncurrent loans | 71.0288% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.2847% | 891 |
| Noncurrent loans to loans | 2.3640% | 987 |
| Net loans and leases to total assets | 46.3300% | 5,220 |
| Net loans and leases to deposits | 50.7257% | 5,464 |
| Net loans and leases to core deposits | 54.1623% | 5,409 |
| Total domestic deposits to total assets | 91.3343% | 225 |
| Equity capital to assets | 8.5355% | 5,657 |
| Core capital (leverage) ratio | 8.6330% | 5,392 |
| Tier 1 risk-based capital ratio | 17.1900% | 2,333 |
| Total risk-based capital ratio | 18.4424% | 2,279 |
| Memoranda: | ||
| Average total assets | $111,949,330 | 4,301 |
| Average earning assets | $104,107,330 | 4,267 |
| Average equity | $9,287,000 | 4,888 |
| Average total loans | $51,566,000 | 4,708 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 5,717 |
| Cost of funding earning assets | 0.4052% | 3,246 |
| Net interest margin | 2.7466% | 5,745 |
| Noninterest income to average assets | 0.4480% | 3,644 |
| Noninterest expense to average assets | 2.2401% | 5,042 |
| Loan and lease loss provision to assets | 0.1270% | 1,632 |
| Net operating income to assets | 0.4204% | 4,995 |
| Return on assets (ROA) | 0.5468% | 4,603 |
| Pretax return on assets | 0.8608% | 4,020 |
| Return on Equity (ROE) | 6.6843% | 3,662 |
| Retained earnings to average equity (ytd only) | -1.7681% | 5,662 |
| Net charge-offs to loans | 0.3175% | 752 |
| Credit loss provision to net charge-offs | 87.8049% | 1,762 |
| Earnings coverage of net charge-offs (x) | 5.4634% | 2,385 |
| Efficiency ratio | 73.9232% | 2,832 |
| Assets per employee ($millions) | 5.0283% | 2,318 |
| Cash dividends to net income (ytd only)* | 126.4516% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 1,844 |
| Loan loss allowance to noncurrent loans | 73.4605% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.0501% | 1,148 |
| Noncurrent loans to loans | 2.2617% | 1,103 |
| Net loans and leases to total assets | 43.3485% | 5,399 |
| Net loans and leases to deposits | 47.3064% | 5,604 |
| Net loans and leases to core deposits | 50.1661% | 5,583 |
| Total domestic deposits to total assets | 91.6334% | 203 |
| Equity capital to assets | 8.1046% | 5,984 |
| Core capital (leverage) ratio | 8.5630% | 5,461 |
| Tier 1 risk-based capital ratio | 18.0478% | 2,124 |
| Total risk-based capital ratio | 19.3012% | 2,074 |
| Memoranda: | ||
| Average total assets | $113,387,000 | 4,299 |
| Average earning assets | $106,605,000 | 4,244 |
| Average equity | $9,275,500 | 4,924 |
| Average total loans | $51,650,500 | 4,748 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5150% | 5,283 |
| Cost of funding earning assets | 0.4770% | 2,915 |
| Net interest margin | 3.0380% | 5,351 |
| Noninterest income to average assets | 0.6516% | 2,540 |
| Noninterest expense to average assets | 2.3912% | 4,869 |
| Loan and lease loss provision to assets | 0.1859% | 1,385 |
| Net operating income to assets | 0.5680% | 4,516 |
| Return on assets (ROA) | 0.5255% | 4,793 |
| Pretax return on assets | 0.8339% | 4,134 |
| Return on Equity (ROE) | 6.5223% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.8826% | 1,997 |
| Net charge-offs to loans | 0.2095% | 1,992 |
| Credit loss provision to net charge-offs | 175.6522% | 1,383 |
| Earnings coverage of net charge-offs (x) | 10.2609% | 2,634 |
| Efficiency ratio | 68.7665% | 3,758 |
| Assets per employee ($millions) | 5.0510% | 2,256 |
| Cash dividends to net income (ytd only)* | 9.8074% | 4,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6265% | 2,003 |
| Loan loss allowance to noncurrent loans | 61.9360% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.9744% | 1,300 |
| Noncurrent loans to loans | 2.6261% | 943 |
| Net loans and leases to total assets | 46.3180% | 5,301 |
| Net loans and leases to deposits | 50.6136% | 5,550 |
| Net loans and leases to core deposits | 53.8040% | 5,511 |
| Total domestic deposits to total assets | 91.5130% | 224 |
| Equity capital to assets | 8.2593% | 5,924 |
| Core capital (leverage) ratio | 8.6666% | 5,372 |
| Tier 1 risk-based capital ratio | 18.4571% | 2,002 |
| Total risk-based capital ratio | 19.7066% | 1,973 |
| Memoranda: | ||
| Average total assets | $108,649,000 | 4,404 |
| Average earning assets | $101,053,000 | 4,371 |
| Average equity | $8,754,600 | 5,035 |
| Average total loans | $54,896,400 | 4,653 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5209% | 5,347 |
| Cost of funding earning assets | 0.4906% | 2,853 |
| Net interest margin | 3.0303% | 5,438 |
| Noninterest income to average assets | 0.6060% | 2,834 |
| Noninterest expense to average assets | 2.3413% | 4,991 |
| Loan and lease loss provision to assets | 0.2271% | 988 |
| Net operating income to assets | 0.5326% | 4,750 |
| Return on assets (ROA) | 0.4900% | 4,974 |
| Pretax return on assets | 0.7763% | 4,444 |
| Return on Equity (ROE) | 6.1202% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.2569% | 2,914 |
| Net charge-offs to loans | 0.2641% | 1,477 |
| Credit loss provision to net charge-offs | 167.2727% | 1,465 |
| Earnings coverage of net charge-offs (x) | 7.8820% | 2,882 |
| Efficiency ratio | 68.6324% | 3,743 |
| Assets per employee ($millions) | 5.0525% | 2,178 |
| Cash dividends to net income (ytd only)* | 14.1049% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,683 |
| Loan loss allowance to noncurrent loans | 54.0645% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 2.2797% | 1,200 |
| Noncurrent loans to loans | 2.7838% | 999 |
| Net loans and leases to total assets | 49.3379% | 5,075 |
| Net loans and leases to deposits | 53.7241% | 5,409 |
| Net loans and leases to core deposits | 56.8006% | 5,403 |
| Total domestic deposits to total assets | 91.8357% | 177 |
| Equity capital to assets | 8.0042% | 6,133 |
| Core capital (leverage) ratio | 8.4945% | 5,663 |
| Tier 1 risk-based capital ratio | 16.8871% | 2,657 |
| Total risk-based capital ratio | 18.0862% | 2,621 |
| Memoranda: | ||
| Average total assets | $108,030,500 | 4,460 |
| Average earning assets | $100,010,000 | 4,437 |
| Average equity | $8,648,750 | 5,099 |
| Average total loans | $55,540,250 | 4,670 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 5,321 |
| Cost of funding earning assets | 0.4995% | 2,840 |
| Net interest margin | 3.0375% | 5,424 |
| Noninterest income to average assets | 0.4935% | 3,522 |
| Noninterest expense to average assets | 2.3049% | 5,135 |
| Loan and lease loss provision to assets | 0.2355% | 964 |
| Net operating income to assets | 0.4824% | 4,881 |
| Return on assets (ROA) | 0.4393% | 5,135 |
| Pretax return on assets | 0.6935% | 4,663 |
| Return on Equity (ROE) | 5.4868% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.1793% | 3,510 |
| Net charge-offs to loans | 0.3640% | 1,123 |
| Credit loss provision to net charge-offs | 124.7525% | 1,674 |
| Earnings coverage of net charge-offs (x) | 5.2772% | 2,957 |
| Efficiency ratio | 69.8188% | 3,687 |
| Assets per employee ($millions) | 4.7362% | 2,560 |
| Cash dividends to net income (ytd only)* | 23.8298% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 3,284 |
| Loan loss allowance to noncurrent loans | 60.6154% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.0719% | 1,521 |
| Noncurrent loans to loans | 2.3317% | 1,383 |
| Net loans and leases to total assets | 50.4581% | 4,911 |
| Net loans and leases to deposits | 54.9864% | 5,289 |
| Net loans and leases to core deposits | 58.2034% | 5,258 |
| Total domestic deposits to total assets | 91.7646% | 204 |
| Equity capital to assets | 8.1454% | 6,067 |
| Core capital (leverage) ratio | 8.5915% | 5,539 |
| Tier 1 risk-based capital ratio | 16.5072% | 2,826 |
| Total risk-based capital ratio | 17.7586% | 2,791 |
| Memoranda: | ||
| Average total assets | $106,989,330 | 4,512 |
| Average earning assets | $98,896,330 | 4,495 |
| Average equity | $8,566,000 | 5,144 |
| Average total loans | $55,494,000 | 4,703 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 5,436 |
| Cost of funding earning assets | 0.5053% | 2,848 |
| Net interest margin | 2.9913% | 5,548 |
| Noninterest income to average assets | 0.4641% | 3,679 |
| Noninterest expense to average assets | 2.2638% | 5,293 |
| Loan and lease loss provision to assets | 0.2339% | 948 |
| Net operating income to assets | 0.4698% | 4,838 |
| Return on assets (ROA) | 0.4263% | 5,083 |
| Pretax return on assets | 0.6678% | 4,605 |
| Return on Equity (ROE) | 5.3730% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.3730% | 2,874 |
| Net charge-offs to loans | 0.7008% | 515 |
| Credit loss provision to net charge-offs | 63.9175% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.6495% | 2,827 |
| Efficiency ratio | 70.0117% | 3,840 |
| Assets per employee ($millions) | 4.9789% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 3,932 |
| Loan loss allowance to noncurrent loans | 39.6739% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.7134% | 1,123 |
| Noncurrent loans to loans | 3.3617% | 900 |
| Net loans and leases to total assets | 51.6503% | 4,715 |
| Net loans and leases to deposits | 56.3557% | 5,083 |
| Net loans and leases to core deposits | 59.9405% | 5,044 |
| Total domestic deposits to total assets | 91.6505% | 343 |
| Equity capital to assets | 8.2261% | 5,886 |
| Core capital (leverage) ratio | 8.7850% | 5,282 |
| Tier 1 risk-based capital ratio | 16.8604% | 2,751 |
| Total risk-based capital ratio | 18.1110% | 2,708 |
| Memoranda: | ||
| Average total assets | $106,018,000 | 4,586 |
| Average earning assets | $98,150,500 | 4,559 |
| Average equity | $8,412,500 | 5,197 |
| Average total loans | $55,364,500 | 4,749 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6401% | 5,305 |
| Cost of funding earning assets | 0.6135% | 2,538 |
| Net interest margin | 3.0265% | 5,517 |
| Noninterest income to average assets | 0.4459% | 4,114 |
| Noninterest expense to average assets | 2.2709% | 5,457 |
| Loan and lease loss provision to assets | 0.1998% | 1,864 |
| Net operating income to assets | 0.4705% | 4,868 |
| Return on assets (ROA) | 0.4816% | 4,953 |
| Pretax return on assets | 0.7634% | 4,286 |
| Return on Equity (ROE) | 5.9531% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.6190% | 2,201 |
| Net charge-offs to loans | 0.7095% | 908 |
| Credit loss provision to net charge-offs | 53.4884% | 3,739 |
| Earnings coverage of net charge-offs (x) | 2.5323% | 4,168 |
| Efficiency ratio | 70.5971% | 3,742 |
| Assets per employee ($millions) | 5.3740% | 1,773 |
| Cash dividends to net income (ytd only)* | 5.6112% | 4,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 3,825 |
| Loan loss allowance to noncurrent loans | 52.1858% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 2.4526% | 1,413 |
| Noncurrent loans to loans | 2.6145% | 1,427 |
| Net loans and leases to total assets | 51.3877% | 4,930 |
| Net loans and leases to deposits | 55.6815% | 5,331 |
| Net loans and leases to core deposits | 58.9502% | 5,312 |
| Total domestic deposits to total assets | 92.2887% | 237 |
| Equity capital to assets | 7.6517% | 6,208 |
| Core capital (leverage) ratio | 8.8255% | 5,239 |
| Tier 1 risk-based capital ratio | 16.5366% | 2,838 |
| Total risk-based capital ratio | 17.7876% | 2,810 |
| Memoranda: | ||
| Average total assets | $103,615,200 | 4,658 |
| Average earning assets | $94,861,200 | 4,654 |
| Average equity | $8,382,200 | 5,243 |
| Average total loans | $54,547,600 | 4,795 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 5,248 |
| Cost of funding earning assets | 0.6464% | 2,392 |
| Net interest margin | 3.0254% | 5,532 |
| Noninterest income to average assets | 0.4040% | 4,504 |
| Noninterest expense to average assets | 2.2276% | 5,538 |
| Loan and lease loss provision to assets | 0.1909% | 1,918 |
| Net operating income to assets | 0.4695% | 4,936 |
| Return on assets (ROA) | 0.4845% | 5,026 |
| Pretax return on assets | 0.7689% | 4,423 |
| Return on Equity (ROE) | 5.9052% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.9052% | 2,476 |
| Net charge-offs to loans | 0.9449% | 610 |
| Credit loss provision to net charge-offs | 38.2813% | 3,747 |
| Earnings coverage of net charge-offs (x) | 1.8776% | 4,202 |
| Efficiency ratio | 70.4023% | 3,691 |
| Assets per employee ($millions) | 5.0876% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,363 |
| Loan loss allowance to noncurrent loans | 47.9675% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.6270% | 1,440 |
| Noncurrent loans to loans | 2.7198% | 1,551 |
| Net loans and leases to total assets | 52.6378% | 4,800 |
| Net loans and leases to deposits | 57.3822% | 5,243 |
| Net loans and leases to core deposits | 61.0475% | 5,214 |
| Total domestic deposits to total assets | 91.7319% | 307 |
| Equity capital to assets | 8.0618% | 6,112 |
| Core capital (leverage) ratio | 8.8510% | 5,325 |
| Tier 1 risk-based capital ratio | 16.4478% | 2,962 |
| Total risk-based capital ratio | 17.6989% | 2,929 |
| Memoranda: | ||
| Average total assets | $102,649,250 | 4,723 |
| Average earning assets | $93,648,000 | 4,735 |
| Average equity | $8,421,750 | 5,292 |
| Average total loans | $54,185,750 | 4,848 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 5,115 |
| Cost of funding earning assets | 0.6846% | 2,183 |
| Net interest margin | 3.0261% | 5,505 |
| Noninterest income to average assets | 0.6197% | 3,078 |
| Noninterest expense to average assets | 2.2283% | 5,559 |
| Loan and lease loss provision to assets | 0.3711% | 879 |
| Net operating income to assets | 0.4886% | 4,849 |
| Return on assets (ROA) | 0.5109% | 4,919 |
| Pretax return on assets | 0.8121% | 4,266 |
| Return on Equity (ROE) | 6.1921% | 4,053 |
| Retained earnings to average equity (ytd only) | 6.1921% | 2,326 |
| Net charge-offs to loans | 0.8383% | 744 |
| Credit loss provision to net charge-offs | 84.1410% | 2,551 |
| Earnings coverage of net charge-offs (x) | 2.6035% | 3,653 |
| Efficiency ratio | 65.9954% | 4,544 |
| Assets per employee ($millions) | 5.0321% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 2,600 |
| Loan loss allowance to noncurrent loans | 51.8244% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 4.1374% | 826 |
| Noncurrent loans to loans | 3.3740% | 1,275 |
| Net loans and leases to total assets | 50.7512% | 5,026 |
| Net loans and leases to deposits | 55.2500% | 5,414 |
| Net loans and leases to core deposits | 58.6001% | 5,370 |
| Total domestic deposits to total assets | 91.8573% | 276 |
| Equity capital to assets | 7.9798% | 6,212 |
| Core capital (leverage) ratio | 8.5555% | 5,602 |
| Tier 1 risk-based capital ratio | 16.8846% | 2,754 |
| Total risk-based capital ratio | 18.1404% | 2,727 |
| Memoranda: | ||
| Average total assets | $102,948,330 | 4,752 |
| Average earning assets | $93,783,000 | 4,762 |
| Average equity | $8,494,670 | 5,311 |
| Average total loans | $54,158,330 | 4,877 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 5,145 |
| Cost of funding earning assets | 0.7281% | 2,003 |
| Net interest margin | 2.9760% | 5,630 |
| Noninterest income to average assets | 0.4534% | 4,099 |
| Noninterest expense to average assets | 2.1325% | 5,839 |
| Loan and lease loss provision to assets | 0.2305% | 1,585 |
| Net operating income to assets | 0.4974% | 4,681 |
| Return on assets (ROA) | 0.5072% | 4,765 |
| Pretax return on assets | 0.8069% | 4,145 |
| Return on Equity (ROE) | 6.0505% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.0505% | 2,656 |
| Net charge-offs to loans | 0.8109% | 747 |
| Credit loss provision to net charge-offs | 53.5714% | 2,550 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 3,055 |
| Efficiency ratio | 67.6005% | 4,389 |
| Assets per employee ($millions) | 5.2028% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,293 |
| Loan loss allowance to noncurrent loans | 50.2252% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 3.9815% | 1,003 |
| Noncurrent loans to loans | 3.2361% | 1,510 |
| Net loans and leases to total assets | 51.8851% | 4,719 |
| Net loans and leases to deposits | 56.8168% | 5,158 |
| Net loans and leases to core deposits | 60.9749% | 5,061 |
| Total domestic deposits to total assets | 91.3200% | 405 |
| Equity capital to assets | 8.3783% | 6,122 |
| Core capital (leverage) ratio | 8.3865% | 5,725 |
| Tier 1 risk-based capital ratio | 16.4223% | 3,052 |
| Total risk-based capital ratio | 17.6776% | 2,998 |
| Memoranda: | ||
| Average total assets | $104,101,500 | 4,769 |
| Average earning assets | $94,489,000 | 4,780 |
| Average equity | $8,726,500 | 5,294 |
| Average total loans | $55,244,500 | 4,879 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 5,264 |
| Cost of funding earning assets | 0.9720% | 1,515 |
| Net interest margin | 3.0388% | 5,958 |
| Noninterest income to average assets | 0.5413% | 3,639 |
| Noninterest expense to average assets | 2.1993% | 5,925 |
| Loan and lease loss provision to assets | 1.6961% | 158 |
| Net operating income to assets | -0.4114% | 6,521 |
| Return on assets (ROA) | -0.2035% | 6,448 |
| Pretax return on assets | -0.3278% | 6,493 |
| Return on Equity (ROE) | -2.3095% | 6,470 |
| Retained earnings to average equity (ytd only) | -3.2652% | 6,284 |
| Net charge-offs to loans | 3.3148% | 127 |
| Credit loss provision to net charge-offs | 93.3775% | 3,334 |
| Earnings coverage of net charge-offs (x) | 0.5745% | 5,202 |
| Efficiency ratio | 67.8207% | 4,179 |
| Assets per employee ($millions) | 5.4815% | 1,700 |
| Cash dividends to net income (ytd only)* | -41.3793% | 7,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 2,936 |
| Loan loss allowance to noncurrent loans | 45.1074% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 4.1815% | 1,009 |
| Noncurrent loans to loans | 3.7674% | 1,291 |
| Net loans and leases to total assets | 52.4859% | 4,848 |
| Net loans and leases to deposits | 57.3902% | 5,306 |
| Net loans and leases to core deposits | 62.2763% | 5,127 |
| Total domestic deposits to total assets | 91.4545% | 349 |
| Equity capital to assets | 8.3871% | 6,131 |
| Core capital (leverage) ratio | 8.2899% | 5,895 |
| Tier 1 risk-based capital ratio | 16.0933% | 3,113 |
| Total risk-based capital ratio | 17.3667% | 3,048 |
| Memoranda: | ||
| Average total assets | $99,759,000 | 4,843 |
| Average earning assets | $88,686,800 | 4,906 |
| Average equity | $8,789,600 | 5,275 |
| Average total loans | $54,664,200 | 4,911 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 5,404 |
| Cost of funding earning assets | 1.0192% | 1,454 |
| Net interest margin | 3.0195% | 6,129 |
| Noninterest income to average assets | 0.4851% | 4,026 |
| Noninterest expense to average assets | 2.2352% | 5,866 |
| Loan and lease loss provision to assets | 2.1703% | 94 |
| Net operating income to assets | -0.7813% | 6,803 |
| Return on assets (ROA) | -0.5581% | 6,750 |
| Pretax return on assets | -0.8973% | 6,835 |
| Return on Equity (ROE) | -6.2551% | 6,766 |
| Retained earnings to average equity (ytd only) | -7.5273% | 6,738 |
| Net charge-offs to loans | 4.4167% | 64 |
| Credit loss provision to net charge-offs | 89.0738% | 3,325 |
| Earnings coverage of net charge-offs (x) | 0.3794% | 5,141 |
| Efficiency ratio | 70.7442% | 3,550 |
| Assets per employee ($millions) | 5.0785% | 2,073 |
| Cash dividends to net income (ytd only)* | -20.3396% | 7,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 3,530 |
| Loan loss allowance to noncurrent loans | 37.1416% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 4.5112% | 1,024 |
| Noncurrent loans to loans | 4.2980% | 1,133 |
| Net loans and leases to total assets | 52.6795% | 4,959 |
| Net loans and leases to deposits | 57.7158% | 5,457 |
| Net loans and leases to core deposits | 62.9727% | 5,266 |
| Total domestic deposits to total assets | 91.2739% | 337 |
| Equity capital to assets | 8.5961% | 6,173 |
| Core capital (leverage) ratio | 8.4646% | 5,802 |
| Tier 1 risk-based capital ratio | 15.8045% | 3,374 |
| Total risk-based capital ratio | 17.0586% | 3,339 |
| Memoranda: | ||
| Average total assets | $98,661,750 | 4,912 |
| Average earning assets | $87,384,750 | 4,979 |
| Average equity | $8,803,250 | 5,325 |
| Average total loans | $54,428,250 | 4,976 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 5,406 |
| Cost of funding earning assets | 1.0474% | 1,485 |
| Net interest margin | 3.0265% | 6,186 |
| Noninterest income to average assets | 0.5016% | 3,915 |
| Noninterest expense to average assets | 2.2745% | 5,809 |
| Loan and lease loss provision to assets | 3.1650% | 50 |
| Net operating income to assets | -1.4149% | 7,003 |
| Return on assets (ROA) | -1.0768% | 6,947 |
| Pretax return on assets | -1.7299% | 7,038 |
| Return on Equity (ROE) | -11.9175% | 6,939 |
| Retained earnings to average equity (ytd only) | -13.8207% | 6,921 |
| Net charge-offs to loans | 3.8644% | 117 |
| Credit loss provision to net charge-offs | 146.9582% | 1,885 |
| Earnings coverage of net charge-offs (x) | 0.4211% | 4,866 |
| Efficiency ratio | 71.4929% | 3,521 |
| Assets per employee ($millions) | 4.9030% | 2,288 |
| Cash dividends to net income (ytd only)* | -15.9696% | 7,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9364% | 834 |
| Loan loss allowance to noncurrent loans | 52.1230% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 5.3885% | 842 |
| Noncurrent loans to loans | 5.6335% | 819 |
| Net loans and leases to total assets | 52.5535% | 5,021 |
| Net loans and leases to deposits | 57.4752% | 5,508 |
| Net loans and leases to core deposits | 63.2878% | 5,278 |
| Total domestic deposits to total assets | 91.4369% | 324 |
| Equity capital to assets | 8.4632% | 6,248 |
| Core capital (leverage) ratio | 8.4742% | 5,679 |
| Tier 1 risk-based capital ratio | 16.2115% | 3,058 |
| Total risk-based capital ratio | 17.4839% | 3,014 |
| Memoranda: | ||
| Average total assets | $97,692,670 | 4,964 |
| Average earning assets | $86,503,330 | 5,035 |
| Average equity | $8,827,330 | 5,311 |
| Average total loans | $54,446,330 | 5,012 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 5,178 |
| Cost of funding earning assets | 1.0748% | 1,524 |
| Net interest margin | 3.1040% | 6,026 |
| Noninterest income to average assets | 0.4635% | 4,198 |
| Noninterest expense to average assets | 2.3382% | 5,668 |
| Loan and lease loss provision to assets | 0.6399% | 864 |
| Net operating income to assets | 0.1432% | 6,136 |
| Return on assets (ROA) | 0.3979% | 5,456 |
| Pretax return on assets | 0.6317% | 5,005 |
| Return on Equity (ROE) | 4.2677% | 5,153 |
| Retained earnings to average equity (ytd only) | 0.5720% | 5,821 |
| Net charge-offs to loans | 0.5007% | 1,836 |
| Credit loss provision to net charge-offs | 226.0870% | 1,231 |
| Earnings coverage of net charge-offs (x) | 3.0870% | 2,970 |
| Efficiency ratio | 72.7969% | 3,290 |
| Assets per employee ($millions) | 5.0357% | 2,213 |
| Cash dividends to net income (ytd only)* | 86.5979% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1297% | 2,023 |
| Loan loss allowance to noncurrent loans | 26.4463% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 6.6496% | 668 |
| Noncurrent loans to loans | 8.0531% | 481 |
| Net loans and leases to total assets | 52.5642% | 4,942 |
| Net loans and leases to deposits | 57.9062% | 5,385 |
| Net loans and leases to core deposits | 63.6148% | 5,164 |
| Total domestic deposits to total assets | 90.7748% | 654 |
| Equity capital to assets | 8.9969% | 5,498 |
| Core capital (leverage) ratio | 9.1612% | 4,587 |
| Tier 1 risk-based capital ratio | 16.8295% | 2,744 |
| Total risk-based capital ratio | 18.0903% | 2,698 |
| Memoranda: | ||
| Average total assets | $97,509,000 | 4,998 |
| Average earning assets | $86,341,500 | 5,070 |
| Average equity | $9,091,500 | 5,261 |
| Average total loans | $55,123,000 | 5,018 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 4,166 |
| Cost of funding earning assets | 1.3439% | 1,270 |
| Net interest margin | 3.3768% | 5,555 |
| Noninterest income to average assets | 0.4886% | 3,934 |
| Noninterest expense to average assets | 2.4440% | 5,652 |
| Loan and lease loss provision to assets | 0.3485% | 2,911 |
| Net operating income to assets | 0.4273% | 4,747 |
| Return on assets (ROA) | 0.5142% | 4,572 |
| Pretax return on assets | 0.8243% | 3,895 |
| Return on Equity (ROE) | 5.5158% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.8736% | 2,728 |
| Net charge-offs to loans | 0.3252% | 3,764 |
| Credit loss provision to net charge-offs | 178.1421% | 1,473 |
| Earnings coverage of net charge-offs (x) | 5.3005% | 2,837 |
| Efficiency ratio | 70.2088% | 3,904 |
| Assets per employee ($millions) | 4.7153% | 2,572 |
| Cash dividends to net income (ytd only)* | 11.6424% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 2,577 |
| Loan loss allowance to noncurrent loans | 22.8934% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 7.4630% | 592 |
| Noncurrent loans to loans | 8.2842% | 475 |
| Net loans and leases to total assets | 58.4168% | 4,297 |
| Net loans and leases to deposits | 64.7120% | 4,907 |
| Net loans and leases to core deposits | 71.3712% | 4,609 |
| Total domestic deposits to total assets | 90.2720% | 838 |
| Equity capital to assets | 9.6729% | 4,644 |
| Core capital (leverage) ratio | 9.4049% | 4,176 |
| Tier 1 risk-based capital ratio | 16.1918% | 2,958 |
| Total risk-based capital ratio | 17.4486% | 2,922 |
| Memoranda: | ||
| Average total assets | $93,535,800 | 5,080 |
| Average earning assets | $82,890,200 | 5,147 |
| Average equity | $8,720,400 | 5,354 |
| Average total loans | $56,275,200 | 5,017 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 3,926 |
| Cost of funding earning assets | 1.3866% | 1,288 |
| Net interest margin | 3.4367% | 5,435 |
| Noninterest income to average assets | 0.5114% | 3,787 |
| Noninterest expense to average assets | 2.4740% | 5,549 |
| Loan and lease loss provision to assets | 0.2942% | 3,170 |
| Net operating income to assets | 0.4942% | 4,571 |
| Return on assets (ROA) | 0.4942% | 4,759 |
| Pretax return on assets | 0.7913% | 4,163 |
| Return on Equity (ROE) | 5.3517% | 4,363 |
| Retained earnings to average equity (ytd only) | 4.4856% | 3,530 |
| Net charge-offs to loans | 0.3031% | 3,573 |
| Credit loss provision to net charge-offs | 160.9375% | 1,910 |
| Earnings coverage of net charge-offs (x) | 5.9376% | 2,665 |
| Efficiency ratio | 69.5024% | 4,038 |
| Assets per employee ($millions) | 4.7017% | 2,619 |
| Cash dividends to net income (ytd only)* | 16.1840% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 3,086 |
| Loan loss allowance to noncurrent loans | 19.8729% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 7.7685% | 584 |
| Noncurrent loans to loans | 8.8328% | 458 |
| Net loans and leases to total assets | 59.5801% | 4,215 |
| Net loans and leases to deposits | 66.0812% | 4,895 |
| Net loans and leases to core deposits | 73.3974% | 4,542 |
| Total domestic deposits to total assets | 90.1620% | 783 |
| Equity capital to assets | 9.6572% | 4,839 |
| Core capital (leverage) ratio | 9.3449% | 4,382 |
| Tier 1 risk-based capital ratio | 15.5694% | 3,347 |
| Total risk-based capital ratio | 16.8259% | 3,304 |
| Memoranda: | ||
| Average total assets | $93,343,500 | 5,125 |
| Average earning assets | $82,790,000 | 5,194 |
| Average equity | $8,620,000 | 5,406 |
| Average total loans | $56,305,250 | 5,063 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 3,915 |
| Cost of funding earning assets | 1.4223% | 1,322 |
| Net interest margin | 3.4165% | 5,501 |
| Noninterest income to average assets | 0.4725% | 4,089 |
| Noninterest expense to average assets | 2.4916% | 5,575 |
| Loan and lease loss provision to assets | 0.3136% | 2,914 |
| Net operating income to assets | 0.4339% | 4,798 |
| Return on assets (ROA) | 0.4339% | 4,941 |
| Pretax return on assets | 0.6959% | 4,398 |
| Return on Equity (ROE) | 4.7718% | 4,557 |
| Retained earnings to average equity (ytd only) | 3.4490% | 4,062 |
| Net charge-offs to loans | 0.4423% | 2,800 |
| Credit loss provision to net charge-offs | 117.7419% | 2,608 |
| Earnings coverage of net charge-offs (x) | 3.7903% | 3,052 |
| Efficiency ratio | 71.1656% | 3,906 |
| Assets per employee ($millions) | 4.6387% | 2,626 |
| Cash dividends to net income (ytd only)* | 27.7228% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 3,388 |
| Loan loss allowance to noncurrent loans | 30.7192% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 5.8875% | 960 |
| Noncurrent loans to loans | 5.4677% | 1,159 |
| Net loans and leases to total assets | 59.5637% | 4,358 |
| Net loans and leases to deposits | 65.8574% | 5,020 |
| Net loans and leases to core deposits | 72.5193% | 4,754 |
| Total domestic deposits to total assets | 90.4433% | 740 |
| Equity capital to assets | 9.4208% | 4,939 |
| Core capital (leverage) ratio | 9.1305% | 4,519 |
| Tier 1 risk-based capital ratio | 15.3867% | 3,301 |
| Total risk-based capital ratio | 16.6422% | 3,247 |
| Memoranda: | ||
| Average total assets | $93,113,670 | 5,163 |
| Average earning assets | $82,541,000 | 5,246 |
| Average equity | $8,466,330 | 5,466 |
| Average total loans | $56,065,000 | 5,121 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 4,154 |
| Cost of funding earning assets | 1.4496% | 1,384 |
| Net interest margin | 3.3293% | 5,679 |
| Noninterest income to average assets | 0.6260% | 2,997 |
| Noninterest expense to average assets | 2.5985% | 5,228 |
| Loan and lease loss provision to assets | 0.3688% | 2,350 |
| Net operating income to assets | 0.3816% | 5,021 |
| Return on assets (ROA) | 0.3816% | 5,107 |
| Pretax return on assets | 0.6132% | 4,639 |
| Return on Equity (ROE) | 4.2740% | 4,761 |
| Retained earnings to average equity (ytd only) | 1.5847% | 5,160 |
| Net charge-offs to loans | 0.7858% | 1,646 |
| Credit loss provision to net charge-offs | 78.1818% | 3,193 |
| Earnings coverage of net charge-offs (x) | 2.0818% | 3,256 |
| Efficiency ratio | 72.5749% | 3,755 |
| Assets per employee ($millions) | 4.7036% | 2,569 |
| Cash dividends to net income (ytd only)* | 62.9213% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 3,656 |
| Loan loss allowance to noncurrent loans | 30.5338% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 5.6085% | 1,061 |
| Noncurrent loans to loans | 5.3033% | 1,247 |
| Net loans and leases to total assets | 57.9966% | 4,648 |
| Net loans and leases to deposits | 63.7464% | 5,285 |
| Net loans and leases to core deposits | 70.2560% | 5,017 |
| Total domestic deposits to total assets | 90.9802% | 636 |
| Equity capital to assets | 8.8986% | 5,349 |
| Core capital (leverage) ratio | 9.0540% | 4,521 |
| Tier 1 risk-based capital ratio | 15.3613% | 3,229 |
| Total risk-based capital ratio | 16.6205% | 3,188 |
| Memoranda: | ||
| Average total assets | $93,284,000 | 5,196 |
| Average earning assets | $82,781,000 | 5,279 |
| Average equity | $8,329,500 | 5,510 |
| Average total loans | $55,996,000 | 5,178 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 4,091 |
| Cost of funding earning assets | 1.6816% | 1,680 |
| Net interest margin | 3.4194% | 5,552 |
| Noninterest income to average assets | 0.6551% | 3,117 |
| Noninterest expense to average assets | 2.9321% | 4,101 |
| Loan and lease loss provision to assets | 0.4066% | 3,673 |
| Net operating income to assets | 0.1483% | 5,447 |
| Return on assets (ROA) | 0.3161% | 5,048 |
| Pretax return on assets | 0.5062% | 4,601 |
| Return on Equity (ROE) | 3.2857% | 4,829 |
| Retained earnings to average equity (ytd only) | 2.5952% | 4,046 |
| Net charge-offs to loans | 0.2326% | 4,888 |
| Credit loss provision to net charge-offs | 273.0769% | 1,001 |
| Earnings coverage of net charge-offs (x) | 4.3692% | 2,950 |
| Efficiency ratio | 81.8414% | 2,188 |
| Assets per employee ($millions) | 4.6249% | 2,657 |
| Cash dividends to net income (ytd only)* | 21.0145% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 3,471 |
| Loan loss allowance to noncurrent loans | 36.7518% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 5.2585% | 1,187 |
| Noncurrent loans to loans | 4.4326% | 1,608 |
| Net loans and leases to total assets | 60.1263% | 4,657 |
| Net loans and leases to deposits | 66.1076% | 5,385 |
| Net loans and leases to core deposits | 73.0940% | 5,087 |
| Total domestic deposits to total assets | 90.9521% | 619 |
| Equity capital to assets | 8.9603% | 5,198 |
| Core capital (leverage) ratio | 9.0270% | 4,492 |
| Tier 1 risk-based capital ratio | 15.0358% | 3,226 |
| Total risk-based capital ratio | 16.2897% | 3,180 |
| Memoranda: | ||
| Average total assets | $87,310,800 | 5,366 |
| Average earning assets | $74,750,200 | 5,519 |
| Average equity | $8,400,000 | 5,588 |
| Average total loans | $55,883,400 | 5,242 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 4,247 |
| Cost of funding earning assets | 1.7101% | 1,818 |
| Net interest margin | 3.4036% | 5,669 |
| Noninterest income to average assets | 0.6603% | 3,071 |
| Noninterest expense to average assets | 2.6987% | 4,887 |
| Loan and lease loss provision to assets | 0.2806% | 4,331 |
| Net operating income to assets | 0.3503% | 4,966 |
| Return on assets (ROA) | 0.4743% | 4,619 |
| Pretax return on assets | 0.7595% | 4,053 |
| Return on Equity (ROE) | 4.8409% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.9234% | 3,709 |
| Net charge-offs to loans | 0.2010% | 4,738 |
| Credit loss provision to net charge-offs | 215.4762% | 1,620 |
| Earnings coverage of net charge-offs (x) | 6.4998% | 2,509 |
| Efficiency ratio | 76.1259% | 2,928 |
| Assets per employee ($millions) | 4.8318% | 2,407 |
| Cash dividends to net income (ytd only)* | 18.9539% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 4,425 |
| Loan loss allowance to noncurrent loans | 29.9623% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 4.2514% | 1,609 |
| Noncurrent loans to loans | 4.6948% | 1,513 |
| Net loans and leases to total assets | 60.6194% | 4,800 |
| Net loans and leases to deposits | 67.0510% | 5,540 |
| Net loans and leases to core deposits | 73.0357% | 5,399 |
| Total domestic deposits to total assets | 90.4078% | 676 |
| Equity capital to assets | 9.3623% | 5,034 |
| Core capital (leverage) ratio | 9.4916% | 3,915 |
| Tier 1 risk-based capital ratio | 14.6154% | 3,453 |
| Total risk-based capital ratio | 15.8667% | 3,421 |
| Memoranda: | ||
| Average total assets | $86,014,250 | 5,471 |
| Average earning assets | $72,900,500 | 5,639 |
| Average equity | $8,428,000 | 5,648 |
| Average total loans | $55,720,250 | 5,319 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4338% | 2,826 |
| Cost of funding earning assets | 1.7759% | 1,740 |
| Net interest margin | 3.6579% | 4,545 |
| Noninterest income to average assets | 0.6565% | 2,974 |
| Noninterest expense to average assets | 2.7829% | 4,566 |
| Loan and lease loss provision to assets | 0.2830% | 4,133 |
| Net operating income to assets | 0.3868% | 4,810 |
| Return on assets (ROA) | 0.4400% | 4,741 |
| Pretax return on assets | 0.7064% | 4,210 |
| Return on Equity (ROE) | 4.4193% | 4,590 |
| Retained earnings to average equity (ytd only) | 3.0338% | 4,180 |
| Net charge-offs to loans | 0.2848% | 3,913 |
| Credit loss provision to net charge-offs | 150.6329% | 2,604 |
| Earnings coverage of net charge-offs (x) | 4.8228% | 2,829 |
| Efficiency ratio | 75.4352% | 3,173 |
| Assets per employee ($millions) | 4.6145% | 2,703 |
| Cash dividends to net income (ytd only)* | 31.3514% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,791 |
| Loan loss allowance to noncurrent loans | 30.2173% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 4.2110% | 1,601 |
| Noncurrent loans to loans | 4.3821% | 1,679 |
| Net loans and leases to total assets | 62.6416% | 4,548 |
| Net loans and leases to deposits | 69.5969% | 5,336 |
| Net loans and leases to core deposits | 73.6522% | 5,481 |
| Total domestic deposits to total assets | 90.0063% | 917 |
| Equity capital to assets | 9.7599% | 4,327 |
| Core capital (leverage) ratio | 9.8141% | 3,383 |
| Tier 1 risk-based capital ratio | 14.4690% | 3,464 |
| Total risk-based capital ratio | 15.7188% | 3,425 |
| Memoranda: | ||
| Average total assets | $84,084,330 | 5,560 |
| Average earning assets | $69,711,330 | 5,786 |
| Average equity | $8,372,330 | 5,672 |
| Average total loans | $55,478,670 | 5,362 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4395% | 2,866 |
| Cost of funding earning assets | 1.8190% | 1,803 |
| Net interest margin | 3.6206% | 4,621 |
| Noninterest income to average assets | 0.6708% | 2,805 |
| Noninterest expense to average assets | 2.8339% | 4,349 |
| Loan and lease loss provision to assets | 0.3160% | 3,524 |
| Net operating income to assets | 0.3500% | 5,077 |
| Return on assets (ROA) | 0.3500% | 5,198 |
| Pretax return on assets | 0.5590% | 4,758 |
| Return on Equity (ROE) | 3.4783% | 5,125 |
| Retained earnings to average equity (ytd only) | 0.6763% | 5,555 |
| Net charge-offs to loans | 0.0650% | 4,759 |
| Credit loss provision to net charge-offs | 722.2222% | 625 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,175 |
| Efficiency ratio | 76.4089% | 3,149 |
| Assets per employee ($millions) | 4.4044% | 3,119 |
| Cash dividends to net income (ytd only)* | 80.5556% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 4,689 |
| Loan loss allowance to noncurrent loans | 30.6971% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 3.4320% | 2,055 |
| Noncurrent loans to loans | 4.3905% | 1,715 |
| Net loans and leases to total assets | 65.8652% | 3,891 |
| Net loans and leases to deposits | 73.2894% | 4,857 |
| Net loans and leases to core deposits | 77.1377% | 5,119 |
| Total domestic deposits to total assets | 89.8701% | 1,057 |
| Equity capital to assets | 9.9124% | 3,969 |
| Core capital (leverage) ratio | 10.0263% | 3,138 |
| Tier 1 risk-based capital ratio | 14.2444% | 3,514 |
| Total risk-based capital ratio | 15.4958% | 3,482 |
| Memoranda: | ||
| Average total assets | $82,289,000 | 5,692 |
| Average earning assets | $69,050,000 | 5,877 |
| Average equity | $8,280,000 | 5,744 |
| Average total loans | $55,389,000 | 5,444 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 3,482 |
| Cost of funding earning assets | 2.3989% | 1,305 |
| Net interest margin | 3.2240% | 6,012 |
| Noninterest income to average assets | 0.7911% | 2,449 |
| Noninterest expense to average assets | 2.7740% | 5,074 |
| Loan and lease loss provision to assets | 0.3198% | 4,900 |
| Net operating income to assets | 0.3181% | 4,460 |
| Return on assets (ROA) | 0.3904% | 4,265 |
| Pretax return on assets | 0.6254% | 3,824 |
| Return on Equity (ROE) | 3.8153% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.8112% | 3,198 |
| Net charge-offs to loans | 0.1028% | 6,109 |
| Credit loss provision to net charge-offs | 461.1111% | 676 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,543 |
| Efficiency ratio | 76.9231% | 3,369 |
| Assets per employee ($millions) | 4.2576% | 3,337 |
| Cash dividends to net income (ytd only)* | 26.3158% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 4,942 |
| Loan loss allowance to noncurrent loans | 29.0417% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 3.5317% | 1,898 |
| Noncurrent loans to loans | 4.3710% | 1,643 |
| Net loans and leases to total assets | 67.0128% | 3,928 |
| Net loans and leases to deposits | 74.7724% | 4,912 |
| Net loans and leases to core deposits | 122.0451% | 1,775 |
| Total domestic deposits to total assets | 89.6223% | 1,143 |
| Equity capital to assets | 10.2169% | 3,494 |
| Core capital (leverage) ratio | 10.0232% | 3,064 |
| Tier 1 risk-based capital ratio | 14.0258% | 3,486 |
| Total risk-based capital ratio | 15.2155% | 3,475 |
| Memoranda: | ||
| Average total assets | $77,864,800 | 5,788 |
| Average earning assets | $67,989,200 | 5,869 |
| Average equity | $7,968,000 | 5,937 |
| Average total loans | $52,509,200 | 5,565 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5914% | 3,916 |
| Cost of funding earning assets | 2.4631% | 1,405 |
| Net interest margin | 3.1283% | 6,240 |
| Noninterest income to average assets | 0.8179% | 2,345 |
| Noninterest expense to average assets | 2.8237% | 4,794 |
| Loan and lease loss provision to assets | 0.3320% | 4,350 |
| Net operating income to assets | 0.2680% | 4,913 |
| Return on assets (ROA) | 0.2680% | 5,011 |
| Pretax return on assets | 0.4271% | 4,724 |
| Return on Equity (ROE) | 2.6180% | 4,943 |
| Retained earnings to average equity (ytd only) | 1.2668% | 4,616 |
| Net charge-offs to loans | 0.1027% | 5,647 |
| Credit loss provision to net charge-offs | 480.0000% | 821 |
| Earnings coverage of net charge-offs (x) | 10.9754% | 1,896 |
| Efficiency ratio | 78.8127% | 3,030 |
| Assets per employee ($millions) | 4.2429% | 3,299 |
| Cash dividends to net income (ytd only)* | 51.6113% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,062 |
| Loan loss allowance to noncurrent loans | 29.6868% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 3.3132% | 2,036 |
| Noncurrent loans to loans | 4.0656% | 1,803 |
| Net loans and leases to total assets | 66.4037% | 4,329 |
| Net loans and leases to deposits | 74.2160% | 5,339 |
| Net loans and leases to core deposits | 118.9309% | 2,340 |
| Total domestic deposits to total assets | 89.4736% | 981 |
| Equity capital to assets | 10.2089% | 3,837 |
| Core capital (leverage) ratio | 9.9794% | 3,310 |
| Tier 1 risk-based capital ratio | 13.9566% | 3,574 |
| Total risk-based capital ratio | 15.0904% | 3,595 |
| Memoranda: | ||
| Average total assets | $77,107,250 | 5,843 |
| Average earning assets | $68,150,500 | 5,904 |
| Average equity | $7,893,750 | 6,020 |
| Average total loans | $51,909,750 | 5,638 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 4,367 |
| Cost of funding earning assets | 2.4712% | 1,711 |
| Net interest margin | 3.0721% | 6,329 |
| Noninterest income to average assets | 0.8244% | 2,295 |
| Noninterest expense to average assets | 2.8734% | 4,610 |
| Loan and lease loss provision to assets | 0.3819% | 3,629 |
| Net operating income to assets | 0.2054% | 5,245 |
| Return on assets (ROA) | 0.2054% | 5,320 |
| Pretax return on assets | 0.3292% | 5,132 |
| Return on Equity (ROE) | 2.0047% | 5,299 |
| Retained earnings to average equity (ytd only) | -0.0514% | 5,228 |
| Net charge-offs to loans | 0.0938% | 5,243 |
| Credit loss provision to net charge-offs | 604.1667% | 763 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,921 |
| Efficiency ratio | 80.1616% | 3,017 |
| Assets per employee ($millions) | 4.2085% | 3,283 |
| Cash dividends to net income (ytd only)* | 102.5641% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,032 |
| Loan loss allowance to noncurrent loans | 39.1824% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 2.5738% | 2,507 |
| Noncurrent loans to loans | 3.0318% | 2,381 |
| Net loans and leases to total assets | 64.8078% | 4,806 |
| Net loans and leases to deposits | 72.2869% | 5,697 |
| Net loans and leases to core deposits | 111.6952% | 3,178 |
| Total domestic deposits to total assets | 89.6537% | 981 |
| Equity capital to assets | 10.0749% | 3,843 |
| Core capital (leverage) ratio | 10.1927% | 3,102 |
| Tier 1 risk-based capital ratio | 13.9038% | 3,576 |
| Total risk-based capital ratio | 14.9902% | 3,600 |
| Memoranda: | ||
| Average total assets | $75,937,670 | 5,919 |
| Average earning assets | $68,226,670 | 5,944 |
| Average equity | $7,781,670 | 6,096 |
| Average total loans | $51,151,000 | 5,712 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8222% | 3,188 |
| Cost of funding earning assets | 2.5457% | 1,752 |
| Net interest margin | 3.2765% | 5,589 |
| Noninterest income to average assets | 0.7954% | 2,353 |
| Noninterest expense to average assets | 2.8136% | 4,504 |
| Loan and lease loss provision to assets | 0.6277% | 2,015 |
| Net operating income to assets | 0.1677% | 5,764 |
| Return on assets (ROA) | 0.1677% | 5,930 |
| Pretax return on assets | 0.2651% | 5,769 |
| Return on Equity (ROE) | 1.6221% | 5,911 |
| Retained earnings to average equity (ytd only) | -2.5639% | 6,205 |
| Net charge-offs to loans | 0.0792% | 4,383 |
| Credit loss provision to net charge-offs | 1,160.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,548 |
| Efficiency ratio | 75.9124% | 3,507 |
| Assets per employee ($millions) | 4.0108% | 3,640 |
| Cash dividends to net income (ytd only)* | 258.0645% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,819 |
| Loan loss allowance to noncurrent loans | 143.7352% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 5,080 |
| Noncurrent loans to loans | 0.8334% | 5,355 |
| Net loans and leases to total assets | 65.8028% | 4,629 |
| Net loans and leases to deposits | 73.4618% | 5,545 |
| Net loans and leases to core deposits | 112.4327% | 3,174 |
| Total domestic deposits to total assets | 89.5742% | 981 |
| Equity capital to assets | 10.1306% | 3,850 |
| Core capital (leverage) ratio | 10.2430% | 3,162 |
| Tier 1 risk-based capital ratio | 13.7714% | 3,711 |
| Total risk-based capital ratio | 14.8752% | 3,706 |
| Memoranda: | ||
| Average total assets | $73,926,000 | 6,003 |
| Average earning assets | $65,680,000 | 6,047 |
| Average equity | $7,644,500 | 6,175 |
| Average total loans | $50,504,500 | 5,780 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4376% | 3,236 |
| Cost of funding earning assets | 3.1557% | 1,334 |
| Net interest margin | 3.2819% | 6,097 |
| Noninterest income to average assets | 0.8125% | 2,440 |
| Noninterest expense to average assets | 2.8034% | 4,802 |
| Loan and lease loss provision to assets | 0.1173% | 5,873 |
| Net operating income to assets | 0.4817% | 4,819 |
| Return on assets (ROA) | 0.4817% | 4,640 |
| Pretax return on assets | 0.7581% | 4,217 |
| Return on Equity (ROE) | 4.7373% | 4,502 |
| Retained earnings to average equity (ytd only) | 2.6502% | 3,530 |
| Net charge-offs to loans | 0.0557% | 5,985 |
| Credit loss provision to net charge-offs | 323.0769% | 1,394 |
| Earnings coverage of net charge-offs (x) | 24.1154% | 1,382 |
| Efficiency ratio | 76.2049% | 3,206 |
| Assets per employee ($millions) | 3.5824% | 4,462 |
| Cash dividends to net income (ytd only)* | 44.0580% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 6,070 |
| Loan loss allowance to noncurrent loans | 139.0582% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 5,147 |
| Noncurrent loans to loans | 0.7183% | 5,238 |
| Net loans and leases to total assets | 69.4432% | 4,156 |
| Net loans and leases to deposits | 77.8659% | 5,362 |
| Net loans and leases to core deposits | 118.9547% | 2,792 |
| Total domestic deposits to total assets | 89.1831% | 969 |
| Equity capital to assets | 10.5643% | 3,430 |
| Core capital (leverage) ratio | 10.3923% | 3,081 |
| Tier 1 risk-based capital ratio | 13.6005% | 3,762 |
| Total risk-based capital ratio | 14.5174% | 3,864 |
| Memoranda: | ||
| Average total assets | $71,628,200 | 5,982 |
| Average earning assets | $62,554,400 | 6,072 |
| Average equity | $7,282,600 | 6,358 |
| Average total loans | $46,675,800 | 5,837 |