Home > Patriots Bank > Performance and Condition Ratios
Patriots 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 | 6.1152% | 552 |
| Cost of funding earning assets | 1.9352% | 1,017 |
| Net interest margin | 4.1800% | 964 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 3.1742% | 854 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | 0.8737% | 2,622 |
| Return on assets (ROA) | 0.8737% | 2,596 |
| Pretax return on assets | 0.8610% | 3,064 |
| Return on Equity (ROE) | 13.6700% | 1,564 |
| Retained earnings to average equity (ytd only) | 13.6690% | 432 |
| Net charge-offs to loans | 0.4310% | 234 |
| Credit loss provision to net charge-offs | 126.7218% | 1,623 |
| Earnings coverage of net charge-offs (x) | 3.8788% | 2,621 |
| Efficiency ratio | 71.2829% | 1,729 |
| Assets per employee ($millions) | 5.3159% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,450 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.5100% | 1,049 |
| Net loans and leases to deposits | 88.2457% | 1,407 |
| Net loans and leases to core deposits | 92.5830% | 1,863 |
| Total domestic deposits to total assets | 86.7000% | 1,788 |
| Equity capital to assets | 7.2556% | 3,841 |
| Core capital (leverage) ratio | 7.8788% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0498% | 2,809 |
| Memoranda: | ||
| Average total assets | $220,213,400 | 2,847 |
| Average earning assets | $203,852,400 | 2,836 |
| Average equity | $14,075,600 | 3,339 |
| Average total loans | $168,443,600 | 2,534 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8749% | 627 |
| Cost of funding earning assets | 1.7760% | 1,051 |
| Net interest margin | 4.0989% | 1,071 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 3.0655% | 973 |
| Loan and lease loss provision to assets | 0.5400% | 142 |
| Net operating income to assets | 0.6021% | 3,540 |
| Return on assets (ROA) | 0.6021% | 3,527 |
| Pretax return on assets | 0.5801% | 3,772 |
| Return on Equity (ROE) | 9.7700% | 2,707 |
| Retained earnings to average equity (ytd only) | 9.7656% | 1,468 |
| Net charge-offs to loans | 0.5817% | 151 |
| Credit loss provision to net charge-offs | 122.5895% | 1,465 |
| Earnings coverage of net charge-offs (x) | 2.5331% | 2,478 |
| Efficiency ratio | 73.1690% | 1,432 |
| Assets per employee ($millions) | 6.0006% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,443 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 517 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 72.4600% | 1,519 |
| Net loans and leases to deposits | 84.9204% | 1,656 |
| Net loans and leases to core deposits | 88.6730% | 2,016 |
| Total domestic deposits to total assets | 85.3300% | 2,406 |
| Equity capital to assets | 6.0494% | 3,971 |
| Core capital (leverage) ratio | 7.4450% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6173% | 2,879 |
| Memoranda: | ||
| Average total assets | $218,121,000 | 2,872 |
| Average earning assets | $201,348,500 | 2,865 |
| Average equity | $13,448,250 | 3,381 |
| Average total loans | $166,405,250 | 2,557 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 847 |
| Cost of funding earning assets | 1.5090% | 1,223 |
| Net interest margin | 3.9743% | 1,284 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 3.1238% | 876 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8768% | 2,834 |
| Return on assets (ROA) | 0.8768% | 2,823 |
| Pretax return on assets | 0.8712% | 3,232 |
| Return on Equity (ROE) | 14.1200% | 1,652 |
| Retained earnings to average equity (ytd only) | 14.1235% | 662 |
| Net charge-offs to loans | 0.0024% | 2,268 |
| Credit loss provision to net charge-offs | 4,250.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 506.0000% | 292 |
| Efficiency ratio | 76.6605% | 1,115 |
| Assets per employee ($millions) | 5.4165% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 3,631 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4431% | 251 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.7400% | 1,323 |
| Net loans and leases to deposits | 86.4812% | 1,466 |
| Net loans and leases to core deposits | 87.6634% | 1,948 |
| Total domestic deposits to total assets | 85.2700% | 2,470 |
| Equity capital to assets | 5.9725% | 4,165 |
| Core capital (leverage) ratio | 7.2649% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8148% | 2,930 |
| Memoranda: | ||
| Average total assets | $212,820,000 | 2,913 |
| Average earning assets | $196,814,333 | 2,914 |
| Average equity | $13,212,000 | 3,414 |
| Average total loans | $164,785,000 | 2,560 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 1,065 |
| Cost of funding earning assets | 1.2096% | 1,428 |
| Net interest margin | 3.9083% | 1,466 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.0796% | 963 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8877% | 2,895 |
| Return on assets (ROA) | 0.8877% | 2,847 |
| Pretax return on assets | 0.8760% | 3,297 |
| Return on Equity (ROE) | 14.0000% | 1,771 |
| Retained earnings to average equity (ytd only) | 14.0044% | 938 |
| Net charge-offs to loans | 0.0025% | 1,936 |
| Credit loss provision to net charge-offs | 3,000.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 480.0000% | 239 |
| Efficiency ratio | 76.7216% | 1,107 |
| Assets per employee ($millions) | 5.4853% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,747 |
| Loan loss allowance to noncurrent loans | 47.2434% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.5346% | 208 |
| Noncurrent loans to loans | 1.9940% | 279 |
| Net loans and leases to total assets | 76.2400% | 950 |
| Net loans and leases to deposits | 90.2923% | 1,024 |
| Net loans and leases to core deposits | 91.4563% | 1,532 |
| Total domestic deposits to total assets | 84.4400% | 2,987 |
| Equity capital to assets | 6.2779% | 4,115 |
| Core capital (leverage) ratio | 7.6049% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9822% | 3,015 |
| Memoranda: | ||
| Average total assets | $205,483,500 | 2,998 |
| Average earning assets | $190,468,500 | 3,000 |
| Average equity | $13,024,500 | 3,473 |
| Average total loans | $162,496,000 | 2,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 478 |
| Cost of funding earning assets | 0.4802% | 1,531 |
| Net interest margin | 4.2606% | 461 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 3.7138% | 413 |
| Loan and lease loss provision to assets | 0.5600% | 104 |
| Net operating income to assets | 0.1460% | 4,482 |
| Return on assets (ROA) | 0.1391% | 4,475 |
| Pretax return on assets | 0.1642% | 4,461 |
| Return on Equity (ROE) | 1.9000% | 4,399 |
| Retained earnings to average equity (ytd only) | 1.5578% | 4,084 |
| Net charge-offs to loans | 0.5138% | 139 |
| Credit loss provision to net charge-offs | 136.8351% | 1,360 |
| Earnings coverage of net charge-offs (x) | 1.7872% | 2,527 |
| Efficiency ratio | 83.4646% | 514 |
| Assets per employee ($millions) | 5.0523% | 3,634 |
| Cash dividends to net income (ytd only)* | 18.1102% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 3,602 |
| Loan loss allowance to noncurrent loans | 45.3922% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.7017% | 167 |
| Noncurrent loans to loans | 2.0911% | 259 |
| Net loans and leases to total assets | 80.6100% | 535 |
| Net loans and leases to deposits | 99.7745% | 445 |
| Net loans and leases to core deposits | 100.8554% | 951 |
| Total domestic deposits to total assets | 80.7900% | 3,780 |
| Equity capital to assets | 6.4043% | 3,939 |
| Core capital (leverage) ratio | 7.6975% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.6443% | 3,046 |
| Memoranda: | ||
| Average total assets | $182,667,600 | 3,162 |
| Average earning assets | $170,329,800 | 3,145 |
| Average equity | $13,352,400 | 3,540 |
| Average total loans | $146,350,600 | 2,664 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 409 |
| Cost of funding earning assets | 0.3690% | 1,536 |
| Net interest margin | 4.2521% | 371 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 3.3751% | 536 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9215% | 2,785 |
| Return on assets (ROA) | 0.9106% | 2,804 |
| Pretax return on assets | 0.9329% | 3,227 |
| Return on Equity (ROE) | 12.0500% | 2,016 |
| Retained earnings to average equity (ytd only) | 11.5937% | 892 |
| Net charge-offs to loans | 0.0121% | 1,663 |
| Credit loss provision to net charge-offs | 1,646.1538% | 290 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 874 |
| Efficiency ratio | 75.3616% | 1,131 |
| Assets per employee ($millions) | 4.5756% | 4,002 |
| Cash dividends to net income (ytd only)* | 3.7612% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,732 |
| Loan loss allowance to noncurrent loans | 35.2769% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.1850% | 112 |
| Noncurrent loans to loans | 2.6675% | 188 |
| Net loans and leases to total assets | 81.1400% | 431 |
| Net loans and leases to deposits | 97.6759% | 471 |
| Net loans and leases to core deposits | 98.7531% | 867 |
| Total domestic deposits to total assets | 83.0700% | 3,679 |
| Equity capital to assets | 6.6700% | 3,672 |
| Core capital (leverage) ratio | 8.4490% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7199% | 3,082 |
| Memoranda: | ||
| Average total assets | $179,074,250 | 3,218 |
| Average earning assets | $167,316,750 | 3,201 |
| Average equity | $13,535,750 | 3,558 |
| Average total loans | $142,851,500 | 2,711 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 329 |
| Cost of funding earning assets | 0.3009% | 1,705 |
| Net interest margin | 4.2762% | 290 |
| Noninterest income to average assets | 0.5288% | 2,046 |
| Noninterest expense to average assets | 3.4148% | 472 |
| Loan and lease loss provision to assets | 0.1804% | 486 |
| Net operating income to assets | 0.9215% | 2,483 |
| Return on assets (ROA) | 0.9158% | 2,482 |
| Pretax return on assets | 0.9283% | 2,969 |
| Return on Equity (ROE) | 11.6310% | 1,781 |
| Retained earnings to average equity (ytd only) | 10.9681% | 789 |
| Net charge-offs to loans | 0.0201% | 1,332 |
| Credit loss provision to net charge-offs | 1,135.7143% | 374 |
| Earnings coverage of net charge-offs (x) | 70.1429% | 1,003 |
| Efficiency ratio | 75.3946% | 1,346 |
| Assets per employee ($millions) | 4.8229% | 3,834 |
| Cash dividends to net income (ytd only)* | 5.7001% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 3,882 |
| Loan loss allowance to noncurrent loans | 33.9107% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.2366% | 104 |
| Noncurrent loans to loans | 2.7223% | 198 |
| Net loans and leases to total assets | 81.3985% | 320 |
| Net loans and leases to deposits | 97.7729% | 353 |
| Net loans and leases to core deposits | 98.7058% | 732 |
| Total domestic deposits to total assets | 83.2526% | 3,825 |
| Equity capital to assets | 7.2063% | 3,658 |
| Core capital (leverage) ratio | 8.5029% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,232,000 | 3,274 |
| Average earning assets | $164,865,000 | 3,273 |
| Average equity | $13,876,667 | 3,597 |
| Average total loans | $139,246,333 | 2,757 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 309 |
| Cost of funding earning assets | 0.2859% | 1,769 |
| Net interest margin | 4.2245% | 273 |
| Noninterest income to average assets | 0.5558% | 1,877 |
| Noninterest expense to average assets | 3.4462% | 449 |
| Loan and lease loss provision to assets | 0.1366% | 587 |
| Net operating income to assets | 0.9264% | 2,174 |
| Return on assets (ROA) | 0.9264% | 2,167 |
| Pretax return on assets | 0.9079% | 2,746 |
| Return on Equity (ROE) | 11.2585% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.2585% | 730 |
| Net charge-offs to loans | -0.0120% | 3,658 |
| Credit loss provision to net charge-offs | -1,475.0000% | 3,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7406% | 1,444 |
| Assets per employee ($millions) | 4.4832% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 3,909 |
| Loan loss allowance to noncurrent loans | 31.8104% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.3535% | 110 |
| Noncurrent loans to loans | 2.9787% | 184 |
| Net loans and leases to total assets | 78.2626% | 361 |
| Net loans and leases to deposits | 90.3568% | 491 |
| Net loans and leases to core deposits | 91.2327% | 859 |
| Total domestic deposits to total assets | 86.6151% | 3,066 |
| Equity capital to assets | 7.7445% | 3,769 |
| Core capital (leverage) ratio | 8.7252% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,713,000 | 3,322 |
| Average earning assets | $160,873,000 | 3,319 |
| Average equity | $14,211,500 | 3,630 |
| Average total loans | $133,585,000 | 2,814 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 420 |
| Cost of funding earning assets | 0.4309% | 1,323 |
| Net interest margin | 4.2701% | 433 |
| Noninterest income to average assets | 0.4698% | 2,728 |
| Noninterest expense to average assets | 3.6454% | 403 |
| Loan and lease loss provision to assets | 0.4668% | 128 |
| Net operating income to assets | 0.2848% | 4,442 |
| Return on assets (ROA) | 0.2922% | 4,454 |
| Pretax return on assets | 0.3377% | 4,450 |
| Return on Equity (ROE) | 3.1691% | 4,335 |
| Retained earnings to average equity (ytd only) | 1.4925% | 4,121 |
| Net charge-offs to loans | 0.4843% | 173 |
| Credit loss provision to net charge-offs | 133.4489% | 1,559 |
| Earnings coverage of net charge-offs (x) | 2.2756% | 2,589 |
| Efficiency ratio | 82.0775% | 666 |
| Assets per employee ($millions) | 4.3738% | 4,214 |
| Cash dividends to net income (ytd only)* | 52.9046% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,893 |
| Loan loss allowance to noncurrent loans | 30.3215% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.4071% | 114 |
| Noncurrent loans to loans | 3.1824% | 176 |
| Net loans and leases to total assets | 74.9074% | 592 |
| Net loans and leases to deposits | 85.9820% | 775 |
| Net loans and leases to core deposits | 86.8298% | 1,151 |
| Total domestic deposits to total assets | 87.1198% | 2,465 |
| Equity capital to assets | 8.7244% | 3,863 |
| Core capital (leverage) ratio | 8.6433% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,946,600 | 3,346 |
| Average earning assets | $153,414,600 | 3,343 |
| Average equity | $15,209,400 | 3,612 |
| Average total loans | $119,151,600 | 2,959 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 419 |
| Cost of funding earning assets | 0.4651% | 1,252 |
| Net interest margin | 4.3223% | 431 |
| Noninterest income to average assets | 0.4663% | 2,767 |
| Noninterest expense to average assets | 3.3239% | 584 |
| Loan and lease loss provision to assets | 0.1302% | 889 |
| Net operating income to assets | 0.9854% | 2,967 |
| Return on assets (ROA) | 0.9963% | 2,991 |
| Pretax return on assets | 1.0468% | 3,331 |
| Return on Equity (ROE) | 10.6551% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.4316% | 1,898 |
| Net charge-offs to loans | 0.0011% | 2,398 |
| Credit loss provision to net charge-offs | 16,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,430.0000% | 110 |
| Efficiency ratio | 74.0330% | 1,212 |
| Assets per employee ($millions) | 4.4711% | 4,146 |
| Cash dividends to net income (ytd only)* | 20.8674% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,869 |
| Loan loss allowance to noncurrent loans | 25.8595% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.7563% | 106 |
| Noncurrent loans to loans | 3.8461% | 139 |
| Net loans and leases to total assets | 70.9525% | 996 |
| Net loans and leases to deposits | 82.4628% | 1,069 |
| Net loans and leases to core deposits | 83.2860% | 1,474 |
| Total domestic deposits to total assets | 86.0419% | 2,731 |
| Equity capital to assets | 9.2601% | 3,600 |
| Core capital (leverage) ratio | 9.2163% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,538,250 | 3,397 |
| Average earning assets | $152,231,000 | 3,390 |
| Average equity | $15,291,250 | 3,650 |
| Average total loans | $116,684,000 | 3,023 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 472 |
| Cost of funding earning assets | 0.5047% | 1,167 |
| Net interest margin | 4.2846% | 504 |
| Noninterest income to average assets | 0.4510% | 2,836 |
| Noninterest expense to average assets | 3.2698% | 643 |
| Loan and lease loss provision to assets | 0.1363% | 898 |
| Net operating income to assets | 0.9702% | 3,001 |
| Return on assets (ROA) | 0.9702% | 3,082 |
| Pretax return on assets | 1.0210% | 3,395 |
| Return on Equity (ROE) | 10.3407% | 2,643 |
| Retained earnings to average equity (ytd only) | 6.9731% | 2,444 |
| Net charge-offs to loans | 0.0035% | 2,045 |
| Credit loss provision to net charge-offs | 5,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 467.0000% | 279 |
| Efficiency ratio | 73.8595% | 1,251 |
| Assets per employee ($millions) | 4.3184% | 4,246 |
| Cash dividends to net income (ytd only)* | 32.5670% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 3,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 73.4968% | 810 |
| Net loans and leases to deposits | 85.7237% | 936 |
| Net loans and leases to core deposits | 86.6096% | 1,373 |
| Total domestic deposits to total assets | 85.7368% | 2,826 |
| Equity capital to assets | 9.3540% | 3,466 |
| Core capital (leverage) ratio | 9.1509% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,417,333 | 3,422 |
| Average earning assets | $149,792,667 | 3,420 |
| Average equity | $15,144,000 | 3,668 |
| Average total loans | $114,992,000 | 3,054 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 557 |
| Cost of funding earning assets | 0.5377% | 1,173 |
| Net interest margin | 4.1774% | 629 |
| Noninterest income to average assets | 0.4348% | 2,901 |
| Noninterest expense to average assets | 3.2035% | 715 |
| Loan and lease loss provision to assets | 0.0750% | 1,688 |
| Net operating income to assets | 0.9570% | 2,947 |
| Return on assets (ROA) | 0.9570% | 3,041 |
| Pretax return on assets | 1.0195% | 3,315 |
| Return on Equity (ROE) | 10.1855% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.5367% | 2,083 |
| Net charge-offs to loans | 0.0072% | 1,644 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 376 |
| Efficiency ratio | 74.5349% | 1,263 |
| Assets per employee ($millions) | 4.7737% | 3,861 |
| Cash dividends to net income (ytd only)* | 16.1880% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 4,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.5435% | 1,218 |
| Net loans and leases to deposits | 82.5543% | 1,295 |
| Net loans and leases to core deposits | 83.4161% | 1,723 |
| Total domestic deposits to total assets | 85.4510% | 2,947 |
| Equity capital to assets | 9.2886% | 3,405 |
| Core capital (leverage) ratio | 9.3310% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,075,500 | 3,434 |
| Average earning assets | $148,033,500 | 3,440 |
| Average equity | $15,041,000 | 3,680 |
| Average total loans | $111,603,000 | 3,104 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 399 |
| Cost of funding earning assets | 0.7362% | 1,534 |
| Net interest margin | 4.3735% | 429 |
| Noninterest income to average assets | 0.5351% | 2,485 |
| Noninterest expense to average assets | 3.3621% | 832 |
| Loan and lease loss provision to assets | 0.0658% | 3,553 |
| Net operating income to assets | 1.1035% | 1,916 |
| Return on assets (ROA) | 1.1035% | 2,035 |
| Pretax return on assets | 1.1226% | 2,611 |
| Return on Equity (ROE) | 11.1392% | 1,583 |
| Retained earnings to average equity (ytd only) | 10.6462% | 476 |
| Net charge-offs to loans | 0.0020% | 3,332 |
| Credit loss provision to net charge-offs | 4,650.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 839.5000% | 144 |
| Efficiency ratio | 73.8840% | 1,464 |
| Assets per employee ($millions) | 4.0473% | 4,341 |
| Cash dividends to net income (ytd only)* | 4.4259% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 3,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 67.5192% | 1,885 |
| Net loans and leases to deposits | 79.4968% | 1,928 |
| Net loans and leases to core deposits | 80.3509% | 2,334 |
| Total domestic deposits to total assets | 84.9332% | 2,790 |
| Equity capital to assets | 9.5069% | 3,605 |
| Core capital (leverage) ratio | 9.5466% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,280,000 | 3,493 |
| Average earning assets | $129,714,400 | 3,509 |
| Average equity | $13,995,600 | 3,757 |
| Average total loans | $99,069,200 | 3,247 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 470 |
| Cost of funding earning assets | 0.7820% | 1,582 |
| Net interest margin | 4.3514% | 522 |
| Noninterest income to average assets | 0.5007% | 2,612 |
| Noninterest expense to average assets | 3.3697% | 828 |
| Loan and lease loss provision to assets | 0.0634% | 3,545 |
| Net operating income to assets | 1.0597% | 2,111 |
| Return on assets (ROA) | 1.0597% | 2,243 |
| Pretax return on assets | 1.0656% | 2,865 |
| Return on Equity (ROE) | 10.5748% | 1,822 |
| Retained earnings to average equity (ytd only) | 9.9054% | 787 |
| Net charge-offs to loans | 0.0014% | 3,167 |
| Credit loss provision to net charge-offs | 6,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 1,161.0000% | 102 |
| Efficiency ratio | 74.9081% | 1,309 |
| Assets per employee ($millions) | 3.8147% | 4,468 |
| Cash dividends to net income (ytd only)* | 6.3303% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,661 |
| Loan loss allowance to noncurrent loans | 14,657.1429% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,500 |
| Noncurrent loans to loans | 0.0069% | 4,424 |
| Net loans and leases to total assets | 69.3268% | 2,057 |
| Net loans and leases to deposits | 82.7452% | 2,039 |
| Net loans and leases to core deposits | 83.7220% | 2,505 |
| Total domestic deposits to total assets | 83.7835% | 2,898 |
| Equity capital to assets | 10.0002% | 3,220 |
| Core capital (leverage) ratio | 9.7063% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,139,000 | 3,540 |
| Average earning assets | $125,994,750 | 3,538 |
| Average equity | $13,743,000 | 3,792 |
| Average total loans | $96,929,500 | 3,291 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 638 |
| Cost of funding earning assets | 0.8278% | 1,686 |
| Net interest margin | 4.3122% | 734 |
| Noninterest income to average assets | 0.5025% | 2,551 |
| Noninterest expense to average assets | 3.3761% | 881 |
| Loan and lease loss provision to assets | 0.0624% | 3,514 |
| Net operating income to assets | 1.0451% | 2,167 |
| Return on assets (ROA) | 1.0451% | 2,299 |
| Pretax return on assets | 1.0287% | 2,937 |
| Return on Equity (ROE) | 10.4210% | 1,843 |
| Retained earnings to average equity (ytd only) | 9.9911% | 790 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5740% | 1,301 |
| Assets per employee ($millions) | 3.7041% | 4,544 |
| Cash dividends to net income (ytd only)* | 4.1252% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 3,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 67.0250% | 2,496 |
| Net loans and leases to deposits | 80.0412% | 2,420 |
| Net loans and leases to core deposits | 80.9851% | 2,870 |
| Total domestic deposits to total assets | 83.7382% | 2,832 |
| Equity capital to assets | 9.7777% | 3,393 |
| Core capital (leverage) ratio | 9.8030% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,533,000 | 3,550 |
| Average earning assets | $123,695,000 | 3,554 |
| Average equity | $13,492,000 | 3,824 |
| Average total loans | $95,399,333 | 3,309 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2507% | 602 |
| Cost of funding earning assets | 0.8695% | 2,016 |
| Net interest margin | 4.3812% | 649 |
| Noninterest income to average assets | 0.5125% | 2,489 |
| Noninterest expense to average assets | 3.5811% | 832 |
| Loan and lease loss provision to assets | 0.0401% | 3,269 |
| Net operating income to assets | 0.9910% | 2,205 |
| Return on assets (ROA) | 0.9910% | 2,306 |
| Pretax return on assets | 0.9045% | 3,129 |
| Return on Equity (ROE) | 9.7454% | 1,825 |
| Retained earnings to average equity (ytd only) | 9.7454% | 793 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1269% | 1,225 |
| Assets per employee ($millions) | 3.3726% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 71.5520% | 1,991 |
| Net loans and leases to deposits | 82.5169% | 2,385 |
| Net loans and leases to core deposits | 83.3293% | 2,907 |
| Total domestic deposits to total assets | 86.7119% | 1,687 |
| Equity capital to assets | 10.0083% | 3,776 |
| Core capital (leverage) ratio | 10.2238% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,569,000 | 3,589 |
| Average earning assets | $118,688,000 | 3,594 |
| Average equity | $13,175,500 | 3,864 |
| Average total loans | $94,184,500 | 3,315 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 756 |
| Cost of funding earning assets | 0.8692% | 2,337 |
| Net interest margin | 4.4734% | 757 |
| Noninterest income to average assets | 0.5724% | 2,358 |
| Noninterest expense to average assets | 3.4664% | 1,010 |
| Loan and lease loss provision to assets | 0.0623% | 2,791 |
| Net operating income to assets | 1.0914% | 2,473 |
| Return on assets (ROA) | 1.0921% | 2,577 |
| Pretax return on assets | 1.1328% | 3,067 |
| Return on Equity (ROE) | 10.9705% | 1,904 |
| Retained earnings to average equity (ytd only) | 8.6208% | 807 |
| Net charge-offs to loans | 0.0066% | 3,443 |
| Credit loss provision to net charge-offs | 1,300.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 249.3333% | 332 |
| Efficiency ratio | 74.3748% | 1,562 |
| Assets per employee ($millions) | 3.2720% | 4,665 |
| Cash dividends to net income (ytd only)* | 21.4181% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.3463% | 2,033 |
| Net loans and leases to deposits | 84.1191% | 2,317 |
| Net loans and leases to core deposits | 84.7780% | 2,890 |
| Total domestic deposits to total assets | 86.0047% | 2,064 |
| Equity capital to assets | 10.3341% | 3,599 |
| Core capital (leverage) ratio | 10.1677% | 3,335 |
| Tier 1 risk-based capital ratio | 12.9527% | 3,813 |
| Total risk-based capital ratio | 13.9123% | 3,852 |
| Memoranda: | ||
| Average total assets | $125,261,200 | 3,625 |
| Average earning assets | $114,476,200 | 3,640 |
| Average equity | $12,469,800 | 3,941 |
| Average total loans | $91,412,600 | 3,366 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 874 |
| Cost of funding earning assets | 0.8643% | 2,389 |
| Net interest margin | 4.4300% | 884 |
| Noninterest income to average assets | 0.5518% | 2,449 |
| Noninterest expense to average assets | 3.3559% | 1,168 |
| Loan and lease loss provision to assets | 0.0674% | 2,538 |
| Net operating income to assets | 1.1390% | 2,419 |
| Return on assets (ROA) | 1.1400% | 2,497 |
| Pretax return on assets | 1.1806% | 3,044 |
| Return on Equity (ROE) | 11.5642% | 1,779 |
| Retained earnings to average equity (ytd only) | 9.2644% | 969 |
| Net charge-offs to loans | 0.0088% | 3,050 |
| Credit loss provision to net charge-offs | 1,050.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 194.3288% | 446 |
| Efficiency ratio | 72.9089% | 1,714 |
| Assets per employee ($millions) | 3.1451% | 4,798 |
| Cash dividends to net income (ytd only)* | 19.8874% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.2492% | 2,138 |
| Net loans and leases to deposits | 84.2059% | 2,430 |
| Net loans and leases to core deposits | 85.2700% | 2,969 |
| Total domestic deposits to total assets | 85.8007% | 2,082 |
| Equity capital to assets | 10.2924% | 3,738 |
| Core capital (leverage) ratio | 10.0187% | 3,621 |
| Tier 1 risk-based capital ratio | 12.9284% | 3,890 |
| Total risk-based capital ratio | 13.8877% | 3,932 |
| Memoranda: | ||
| Average total assets | $124,674,750 | 3,669 |
| Average earning assets | $114,007,500 | 3,679 |
| Average equity | $12,290,500 | 3,997 |
| Average total loans | $90,945,500 | 3,418 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 888 |
| Cost of funding earning assets | 0.8391% | 2,455 |
| Net interest margin | 4.4152% | 916 |
| Noninterest income to average assets | 0.5358% | 2,469 |
| Noninterest expense to average assets | 3.2744% | 1,335 |
| Loan and lease loss provision to assets | 0.0708% | 2,401 |
| Net operating income to assets | 1.1922% | 2,175 |
| Return on assets (ROA) | 1.1891% | 2,252 |
| Pretax return on assets | 1.2261% | 2,826 |
| Return on Equity (ROE) | 12.2439% | 1,493 |
| Retained earnings to average equity (ytd only) | 8.7314% | 1,119 |
| Net charge-offs to loans | 0.0022% | 3,099 |
| Credit loss provision to net charge-offs | 4,400.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 808.0000% | 94 |
| Efficiency ratio | 71.5793% | 1,977 |
| Assets per employee ($millions) | 3.4021% | 4,601 |
| Cash dividends to net income (ytd only)* | 28.6874% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,643 |
| Loan loss allowance to noncurrent loans | 6,664.2857% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,748 |
| Noncurrent loans to loans | 0.0150% | 4,654 |
| Net loans and leases to total assets | 73.5414% | 1,956 |
| Net loans and leases to deposits | 85.2741% | 2,343 |
| Net loans and leases to core deposits | 90.9905% | 2,509 |
| Total domestic deposits to total assets | 86.2412% | 1,917 |
| Equity capital to assets | 9.9630% | 4,001 |
| Core capital (leverage) ratio | 9.9195% | 3,677 |
| Tier 1 risk-based capital ratio | 12.5102% | 4,119 |
| Total risk-based capital ratio | 13.4487% | 4,179 |
| Memoranda: | ||
| Average total assets | $124,299,000 | 3,697 |
| Average earning assets | $113,698,330 | 3,713 |
| Average equity | $12,071,330 | 4,037 |
| Average total loans | $90,648,000 | 3,448 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 1,113 |
| Cost of funding earning assets | 0.7935% | 2,573 |
| Net interest margin | 4.2968% | 1,096 |
| Noninterest income to average assets | 0.4664% | 2,761 |
| Noninterest expense to average assets | 3.3034% | 1,282 |
| Loan and lease loss provision to assets | 0.0453% | 2,742 |
| Net operating income to assets | 1.0330% | 2,733 |
| Return on assets (ROA) | 1.0266% | 2,794 |
| Pretax return on assets | 1.0396% | 3,309 |
| Return on Equity (ROE) | 10.7126% | 2,079 |
| Retained earnings to average equity (ytd only) | 10.7126% | 882 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1658% | 1,595 |
| Assets per employee ($millions) | 3.4526% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.0837% | 2,149 |
| Net loans and leases to deposits | 83.3581% | 2,461 |
| Net loans and leases to core deposits | 90.1494% | 2,487 |
| Total domestic deposits to total assets | 86.4747% | 2,086 |
| Equity capital to assets | 9.7640% | 4,035 |
| Core capital (leverage) ratio | 9.9829% | 3,621 |
| Tier 1 risk-based capital ratio | 12.7374% | 4,020 |
| Total risk-based capital ratio | 13.6791% | 4,077 |
| Memoranda: | ||
| Average total assets | $123,510,500 | 3,739 |
| Average earning assets | $112,921,000 | 3,770 |
| Average equity | $11,836,500 | 4,079 |
| Average total loans | $89,220,000 | 3,506 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 1,301 |
| Cost of funding earning assets | 0.5559% | 3,012 |
| Net interest margin | 4.3395% | 1,068 |
| Noninterest income to average assets | 0.5846% | 2,381 |
| Noninterest expense to average assets | 3.3547% | 1,219 |
| Loan and lease loss provision to assets | 0.0416% | 3,356 |
| Net operating income to assets | 1.1542% | 2,368 |
| Return on assets (ROA) | 1.1607% | 2,339 |
| Pretax return on assets | 1.2083% | 2,850 |
| Return on Equity (ROE) | 12.3497% | 1,599 |
| Retained earnings to average equity (ytd only) | 8.0553% | 1,209 |
| Net charge-offs to loans | 0.0108% | 3,317 |
| Credit loss provision to net charge-offs | 544.4444% | 642 |
| Earnings coverage of net charge-offs (x) | 162.5556% | 531 |
| Efficiency ratio | 72.9625% | 1,767 |
| Assets per employee ($millions) | 3.4091% | 4,651 |
| Cash dividends to net income (ytd only)* | 34.7731% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.9300% | 2,429 |
| Net loans and leases to deposits | 81.9913% | 2,734 |
| Net loans and leases to core deposits | 88.4404% | 2,719 |
| Total domestic deposits to total assets | 86.5092% | 2,012 |
| Equity capital to assets | 9.4005% | 4,217 |
| Core capital (leverage) ratio | 9.7391% | 3,869 |
| Tier 1 risk-based capital ratio | 12.6689% | 4,037 |
| Total risk-based capital ratio | 13.6156% | 4,080 |
| Memoranda: | ||
| Average total assets | $117,687,200 | 3,826 |
| Average earning assets | $108,836,600 | 3,828 |
| Average equity | $11,061,000 | 4,150 |
| Average total loans | $83,309,400 | 3,602 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 1,488 |
| Cost of funding earning assets | 0.4928% | 3,245 |
| Net interest margin | 4.2802% | 1,160 |
| Noninterest income to average assets | 0.5714% | 2,466 |
| Noninterest expense to average assets | 3.2764% | 1,355 |
| Loan and lease loss provision to assets | 0.0378% | 3,250 |
| Net operating income to assets | 1.1891% | 2,280 |
| Return on assets (ROA) | 1.1979% | 2,254 |
| Pretax return on assets | 1.2448% | 2,832 |
| Return on Equity (ROE) | 12.7457% | 1,524 |
| Retained earnings to average equity (ytd only) | 8.8465% | 1,283 |
| Net charge-offs to loans | 0.0130% | 2,961 |
| Credit loss provision to net charge-offs | 412.5000% | 807 |
| Earnings coverage of net charge-offs (x) | 138.9531% | 581 |
| Efficiency ratio | 72.0111% | 1,879 |
| Assets per employee ($millions) | 3.2857% | 4,787 |
| Cash dividends to net income (ytd only)* | 30.5931% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.7487% | 2,026 |
| Net loans and leases to deposits | 88.7913% | 2,051 |
| Net loans and leases to core deposits | 95.8437% | 2,130 |
| Total domestic deposits to total assets | 83.0585% | 3,292 |
| Equity capital to assets | 9.1700% | 4,402 |
| Core capital (leverage) ratio | 9.7937% | 3,847 |
| Tier 1 risk-based capital ratio | 12.3166% | 4,308 |
| Total risk-based capital ratio | 13.2343% | 4,398 |
| Memoranda: | ||
| Average total assets | $116,427,000 | 3,884 |
| Average earning assets | $108,217,000 | 3,872 |
| Average equity | $10,942,000 | 4,203 |
| Average total loans | $82,151,500 | 3,650 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 1,577 |
| Cost of funding earning assets | 0.4569% | 3,307 |
| Net interest margin | 4.2141% | 1,251 |
| Noninterest income to average assets | 0.5893% | 2,388 |
| Noninterest expense to average assets | 3.2690% | 1,391 |
| Loan and lease loss provision to assets | 0.0296% | 3,317 |
| Net operating income to assets | 1.1564% | 2,366 |
| Return on assets (ROA) | 1.1699% | 2,313 |
| Pretax return on assets | 1.2117% | 2,902 |
| Return on Equity (ROE) | 12.3421% | 1,605 |
| Retained earnings to average equity (ytd only) | 6.4562% | 2,327 |
| Net charge-offs to loans | 0.0202% | 2,481 |
| Credit loss provision to net charge-offs | 212.5000% | 1,253 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 764 |
| Efficiency ratio | 72.7026% | 1,883 |
| Assets per employee ($millions) | 3.1936% | 4,937 |
| Cash dividends to net income (ytd only)* | 47.6900% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 3,810 |
| Loan loss allowance to noncurrent loans | 31.2819% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.3239% | 395 |
| Noncurrent loans to loans | 3.2126% | 330 |
| Net loans and leases to total assets | 71.6096% | 2,341 |
| Net loans and leases to deposits | 84.3738% | 2,492 |
| Net loans and leases to core deposits | 90.0477% | 2,562 |
| Total domestic deposits to total assets | 84.8717% | 2,718 |
| Equity capital to assets | 9.2186% | 4,361 |
| Core capital (leverage) ratio | 9.7956% | 3,793 |
| Tier 1 risk-based capital ratio | 12.2571% | 4,336 |
| Total risk-based capital ratio | 13.1833% | 4,415 |
| Memoranda: | ||
| Average total assets | $114,712,330 | 3,942 |
| Average earning assets | $106,357,670 | 3,941 |
| Average equity | $10,873,330 | 4,252 |
| Average total loans | $79,358,000 | 3,726 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,595 |
| Cost of funding earning assets | 0.4242% | 3,409 |
| Net interest margin | 4.1696% | 1,244 |
| Noninterest income to average assets | 0.5558% | 2,491 |
| Noninterest expense to average assets | 3.2535% | 1,446 |
| Loan and lease loss provision to assets | 0.0248% | 3,196 |
| Net operating income to assets | 1.1117% | 2,373 |
| Return on assets (ROA) | 1.1152% | 2,376 |
| Pretax return on assets | 1.1435% | 2,994 |
| Return on Equity (ROE) | 11.5985% | 1,723 |
| Retained earnings to average equity (ytd only) | 11.5985% | 765 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6378% | 1,944 |
| Assets per employee ($millions) | 3.0579% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,550 |
| Loan loss allowance to noncurrent loans | 30.9722% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.4456% | 386 |
| Noncurrent loans to loans | 3.4543% | 304 |
| Net loans and leases to total assets | 70.0421% | 2,484 |
| Net loans and leases to deposits | 80.4195% | 2,762 |
| Net loans and leases to core deposits | 86.1586% | 2,793 |
| Total domestic deposits to total assets | 87.0959% | 2,083 |
| Equity capital to assets | 9.5986% | 3,998 |
| Core capital (leverage) ratio | 10.1041% | 3,422 |
| Tier 1 risk-based capital ratio | 13.3623% | 3,739 |
| Total risk-based capital ratio | 14.3728% | 3,797 |
| Memoranda: | ||
| Average total assets | $112,987,000 | 4,011 |
| Average earning assets | $104,663,000 | 4,017 |
| Average equity | $10,863,500 | 4,294 |
| Average total loans | $76,299,500 | 3,829 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 1,548 |
| Cost of funding earning assets | 0.3336% | 3,840 |
| Net interest margin | 4.2222% | 1,142 |
| Noninterest income to average assets | 0.6007% | 2,442 |
| Noninterest expense to average assets | 3.3080% | 1,362 |
| Loan and lease loss provision to assets | 0.0009% | 4,219 |
| Net operating income to assets | 1.1690% | 1,618 |
| Return on assets (ROA) | 1.1726% | 1,631 |
| Pretax return on assets | 1.2079% | 2,747 |
| Return on Equity (ROE) | 11.8261% | 1,262 |
| Retained earnings to average equity (ytd only) | 6.4046% | 1,330 |
| Net charge-offs to loans | -0.0202% | 4,962 |
| Credit loss provision to net charge-offs | -7.1429% | 4,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8245% | 2,094 |
| Assets per employee ($millions) | 3.0495% | 5,163 |
| Cash dividends to net income (ytd only)* | 45.8432% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,935 |
| Loan loss allowance to noncurrent loans | 73.2127% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 1,490 |
| Noncurrent loans to loans | 1.6015% | 1,047 |
| Net loans and leases to total assets | 63.4971% | 3,422 |
| Net loans and leases to deposits | 74.0218% | 3,523 |
| Net loans and leases to core deposits | 77.7812% | 3,603 |
| Total domestic deposits to total assets | 85.7815% | 2,541 |
| Equity capital to assets | 9.6311% | 4,111 |
| Core capital (leverage) ratio | 10.0667% | 3,364 |
| Tier 1 risk-based capital ratio | 14.1990% | 3,255 |
| Total risk-based capital ratio | 15.2944% | 3,237 |
| Memoranda: | ||
| Average total assets | $107,709,800 | 4,105 |
| Average earning assets | $99,806,800 | 4,100 |
| Average equity | $10,679,800 | 4,352 |
| Average total loans | $69,428,600 | 3,976 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 1,529 |
| Cost of funding earning assets | 0.3260% | 3,883 |
| Net interest margin | 4.2135% | 1,125 |
| Noninterest income to average assets | 0.5976% | 2,500 |
| Noninterest expense to average assets | 3.2973% | 1,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1902% | 1,738 |
| Return on assets (ROA) | 1.1926% | 1,761 |
| Pretax return on assets | 1.2214% | 2,816 |
| Return on Equity (ROE) | 11.9374% | 1,350 |
| Retained earnings to average equity (ytd only) | 6.6082% | 1,904 |
| Net charge-offs to loans | -0.0311% | 5,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5381% | 2,133 |
| Assets per employee ($millions) | 3.1338% | 5,141 |
| Cash dividends to net income (ytd only)* | 44.6427% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,824 |
| Loan loss allowance to noncurrent loans | 3,151.8519% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,125 |
| Noncurrent loans to loans | 0.0386% | 4,944 |
| Net loans and leases to total assets | 62.9700% | 3,555 |
| Net loans and leases to deposits | 72.0058% | 3,774 |
| Net loans and leases to core deposits | 76.0686% | 3,796 |
| Total domestic deposits to total assets | 87.4512% | 1,643 |
| Equity capital to assets | 10.0625% | 3,843 |
| Core capital (leverage) ratio | 10.0129% | 3,547 |
| Tier 1 risk-based capital ratio | 14.4068% | 3,235 |
| Total risk-based capital ratio | 15.5361% | 3,209 |
| Memoranda: | ||
| Average total assets | $106,429,250 | 4,171 |
| Average earning assets | $98,981,000 | 4,158 |
| Average equity | $10,633,000 | 4,400 |
| Average total loans | $68,662,000 | 4,025 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 1,487 |
| Cost of funding earning assets | 0.3162% | 3,917 |
| Net interest margin | 4.1949% | 1,088 |
| Noninterest income to average assets | 0.5904% | 2,509 |
| Noninterest expense to average assets | 3.3110% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1676% | 1,709 |
| Return on assets (ROA) | 1.1695% | 1,745 |
| Pretax return on assets | 1.1847% | 2,828 |
| Return on Equity (ROE) | 11.7352% | 1,380 |
| Retained earnings to average equity (ytd only) | 3.6387% | 3,543 |
| Net charge-offs to loans | -0.0557% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1728% | 2,156 |
| Assets per employee ($millions) | 2.7341% | 5,459 |
| Cash dividends to net income (ytd only)* | 68.9935% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 3,055 |
| Loan loss allowance to noncurrent loans | 382.9596% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 4,332 |
| Noncurrent loans to loans | 0.3118% | 3,925 |
| Net loans and leases to total assets | 66.2781% | 3,063 |
| Net loans and leases to deposits | 75.8375% | 3,363 |
| Net loans and leases to core deposits | 79.9731% | 3,420 |
| Total domestic deposits to total assets | 87.3948% | 1,765 |
| Equity capital to assets | 10.1087% | 3,783 |
| Core capital (leverage) ratio | 9.8776% | 3,679 |
| Tier 1 risk-based capital ratio | 13.7218% | 3,576 |
| Total risk-based capital ratio | 14.8362% | 3,564 |
| Memoranda: | ||
| Average total assets | $105,344,330 | 4,218 |
| Average earning assets | $98,024,670 | 4,200 |
| Average equity | $10,498,330 | 4,436 |
| Average total loans | $68,243,000 | 4,054 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 1,619 |
| Cost of funding earning assets | 0.3000% | 4,048 |
| Net interest margin | 4.1102% | 1,193 |
| Noninterest income to average assets | 0.5387% | 2,713 |
| Noninterest expense to average assets | 3.2588% | 1,457 |
| Loan and lease loss provision to assets | 0.0038% | 3,507 |
| Net operating income to assets | 1.1194% | 1,795 |
| Return on assets (ROA) | 1.1232% | 1,819 |
| Pretax return on assets | 1.1003% | 2,984 |
| Return on Equity (ROE) | 11.3535% | 1,445 |
| Retained earnings to average equity (ytd only) | 11.3535% | 555 |
| Net charge-offs to loans | -0.0601% | 5,264 |
| Credit loss provision to net charge-offs | -10.0000% | 3,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2331% | 2,196 |
| Assets per employee ($millions) | 3.0084% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,859 |
| Loan loss allowance to noncurrent loans | 3,021.4286% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 5,215 |
| Noncurrent loans to loans | 0.0412% | 5,031 |
| Net loans and leases to total assets | 61.9296% | 3,544 |
| Net loans and leases to deposits | 70.4964% | 3,742 |
| Net loans and leases to core deposits | 73.8863% | 3,848 |
| Total domestic deposits to total assets | 87.8479% | 1,803 |
| Equity capital to assets | 9.7662% | 4,007 |
| Core capital (leverage) ratio | 10.2647% | 3,169 |
| Tier 1 risk-based capital ratio | 14.7856% | 3,076 |
| Total risk-based capital ratio | 15.9640% | 3,032 |
| Memoranda: | ||
| Average total assets | $104,701,000 | 4,273 |
| Average earning assets | $97,319,000 | 4,251 |
| Average equity | $10,358,000 | 4,487 |
| Average total loans | $66,601,000 | 4,120 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,363 |
| Cost of funding earning assets | 0.2903% | 4,169 |
| Net interest margin | 4.2788% | 962 |
| Noninterest income to average assets | 0.5498% | 2,915 |
| Noninterest expense to average assets | 3.3733% | 1,418 |
| Loan and lease loss provision to assets | -0.1754% | 5,765 |
| Net operating income to assets | 1.2638% | 1,317 |
| Return on assets (ROA) | 1.2854% | 1,319 |
| Pretax return on assets | 1.3586% | 2,070 |
| Return on Equity (ROE) | 12.3347% | 1,161 |
| Retained earnings to average equity (ytd only) | 8.3254% | 755 |
| Net charge-offs to loans | -0.2691% | 5,783 |
| Credit loss provision to net charge-offs | 97.1429% | 2,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8567% | 2,305 |
| Assets per employee ($millions) | 2.8083% | 5,482 |
| Cash dividends to net income (ytd only)* | 32.5040% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,658 |
| Loan loss allowance to noncurrent loans | 3,479.1667% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 5,200 |
| Noncurrent loans to loans | 0.0368% | 5,110 |
| Net loans and leases to total assets | 63.7488% | 3,390 |
| Net loans and leases to deposits | 73.2911% | 3,585 |
| Net loans and leases to core deposits | 76.9782% | 3,663 |
| Total domestic deposits to total assets | 86.9802% | 2,158 |
| Equity capital to assets | 10.0287% | 3,693 |
| Core capital (leverage) ratio | 10.4121% | 2,973 |
| Tier 1 risk-based capital ratio | 15.0794% | 2,932 |
| Total risk-based capital ratio | 16.2989% | 2,876 |
| Memoranda: | ||
| Average total assets | $96,937,600 | 4,406 |
| Average earning assets | $90,258,600 | 4,377 |
| Average equity | $10,101,600 | 4,553 |
| Average total loans | $65,034,200 | 4,159 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,270 |
| Cost of funding earning assets | 0.2847% | 4,260 |
| Net interest margin | 4.3269% | 885 |
| Noninterest income to average assets | 0.6104% | 2,607 |
| Noninterest expense to average assets | 3.2826% | 1,602 |
| Loan and lease loss provision to assets | 0.0056% | 4,116 |
| Net operating income to assets | 1.2847% | 1,343 |
| Return on assets (ROA) | 1.3111% | 1,342 |
| Pretax return on assets | 1.3862% | 2,091 |
| Return on Equity (ROE) | 12.4581% | 1,184 |
| Retained earnings to average equity (ytd only) | 7.1076% | 1,570 |
| Net charge-offs to loans | -0.2873% | 5,831 |
| Credit loss provision to net charge-offs | -2.8571% | 4,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1077% | 2,868 |
| Assets per employee ($millions) | 2.7829% | 5,557 |
| Cash dividends to net income (ytd only)* | 42.9484% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,802 |
| Loan loss allowance to noncurrent loans | 5,126.3158% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 4,795 |
| Noncurrent loans to loans | 0.0291% | 5,265 |
| Net loans and leases to total assets | 66.1386% | 3,101 |
| Net loans and leases to deposits | 76.9068% | 3,296 |
| Net loans and leases to core deposits | 80.9746% | 3,353 |
| Total domestic deposits to total assets | 85.9984% | 2,349 |
| Equity capital to assets | 10.6742% | 3,382 |
| Core capital (leverage) ratio | 10.2706% | 3,256 |
| Tier 1 risk-based capital ratio | 14.6995% | 3,192 |
| Total risk-based capital ratio | 15.9509% | 3,126 |
| Memoranda: | ||
| Average total assets | $95,897,000 | 4,463 |
| Average earning assets | $89,454,500 | 4,440 |
| Average equity | $10,092,250 | 4,600 |
| Average total loans | $64,971,500 | 4,189 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,246 |
| Cost of funding earning assets | 0.2792% | 4,356 |
| Net interest margin | 4.3325% | 868 |
| Noninterest income to average assets | 0.5745% | 2,766 |
| Noninterest expense to average assets | 3.2413% | 1,712 |
| Loan and lease loss provision to assets | 0.0105% | 3,885 |
| Net operating income to assets | 1.2831% | 1,325 |
| Return on assets (ROA) | 1.3229% | 1,305 |
| Pretax return on assets | 1.3984% | 2,033 |
| Return on Equity (ROE) | 12.6318% | 1,124 |
| Retained earnings to average equity (ytd only) | 7.6071% | 1,336 |
| Net charge-offs to loans | -0.2684% | 5,862 |
| Credit loss provision to net charge-offs | -5.7471% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7907% | 3,011 |
| Assets per employee ($millions) | 2.8432% | 5,578 |
| Cash dividends to net income (ytd only)* | 39.7781% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 2,374 |
| Loan loss allowance to noncurrent loans | 682.9630% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,951 |
| Noncurrent loans to loans | 0.2023% | 4,634 |
| Net loans and leases to total assets | 68.0894% | 2,765 |
| Net loans and leases to deposits | 79.6366% | 2,977 |
| Net loans and leases to core deposits | 83.3770% | 3,136 |
| Total domestic deposits to total assets | 85.5002% | 2,644 |
| Equity capital to assets | 10.6962% | 3,402 |
| Core capital (leverage) ratio | 10.2588% | 3,262 |
| Tier 1 risk-based capital ratio | 14.4772% | 3,334 |
| Total risk-based capital ratio | 15.7282% | 3,261 |
| Memoranda: | ||
| Average total assets | $95,395,000 | 4,509 |
| Average earning assets | $88,817,330 | 4,490 |
| Average equity | $9,990,670 | 4,644 |
| Average total loans | $64,830,330 | 4,221 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 1,125 |
| Cost of funding earning assets | 0.2734% | 4,464 |
| Net interest margin | 4.3874% | 760 |
| Noninterest income to average assets | 0.5614% | 2,733 |
| Noninterest expense to average assets | 3.2251% | 1,775 |
| Loan and lease loss provision to assets | 0.0253% | 3,341 |
| Net operating income to assets | 1.3000% | 1,251 |
| Return on assets (ROA) | 1.3635% | 1,173 |
| Pretax return on assets | 1.4437% | 1,765 |
| Return on Equity (ROE) | 13.1622% | 999 |
| Retained earnings to average equity (ytd only) | 2.9747% | 4,025 |
| Net charge-offs to loans | -0.2755% | 5,920 |
| Credit loss provision to net charge-offs | -13.6364% | 4,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1606% | 3,273 |
| Assets per employee ($millions) | 2.7333% | 5,713 |
| Cash dividends to net income (ytd only)* | 77.3994% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 67.5751% | 2,720 |
| Net loans and leases to deposits | 77.5315% | 3,051 |
| Net loans and leases to core deposits | 81.4456% | 3,183 |
| Total domestic deposits to total assets | 87.1582% | 2,125 |
| Equity capital to assets | 10.3278% | 3,713 |
| Core capital (leverage) ratio | 10.2062% | 3,306 |
| Tier 1 risk-based capital ratio | 14.2573% | 3,531 |
| Total risk-based capital ratio | 15.5087% | 3,454 |
| Memoranda: | ||
| Average total assets | $94,757,500 | 4,560 |
| Average earning assets | $87,796,000 | 4,548 |
| Average equity | $9,816,000 | 4,701 |
| Average total loans | $63,873,500 | 4,267 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 1,935 |
| Cost of funding earning assets | 0.2699% | 4,584 |
| Net interest margin | 4.1200% | 1,362 |
| Noninterest income to average assets | 0.5692% | 2,905 |
| Noninterest expense to average assets | 3.2059% | 1,957 |
| Loan and lease loss provision to assets | 0.0561% | 3,189 |
| Net operating income to assets | 1.0634% | 2,074 |
| Return on assets (ROA) | 1.0726% | 2,106 |
| Pretax return on assets | 1.1340% | 2,910 |
| Return on Equity (ROE) | 10.5682% | 1,771 |
| Retained earnings to average equity (ytd only) | 4.7159% | 2,634 |
| Net charge-offs to loans | 0.0922% | 2,511 |
| Credit loss provision to net charge-offs | 94.5455% | 2,667 |
| Earnings coverage of net charge-offs (x) | 19.9091% | 1,913 |
| Efficiency ratio | 72.4994% | 2,829 |
| Assets per employee ($millions) | 2.7603% | 5,731 |
| Cash dividends to net income (ytd only)* | 55.3769% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 2,738 |
| Loan loss allowance to noncurrent loans | 6,384.6154% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,839 |
| Noncurrent loans to loans | 0.0209% | 5,433 |
| Net loans and leases to total assets | 65.4143% | 3,063 |
| Net loans and leases to deposits | 75.7954% | 3,278 |
| Net loans and leases to core deposits | 79.7402% | 3,377 |
| Total domestic deposits to total assets | 86.3038% | 2,492 |
| Equity capital to assets | 10.3909% | 3,503 |
| Core capital (leverage) ratio | 10.2861% | 3,172 |
| Tier 1 risk-based capital ratio | 14.5354% | 3,431 |
| Total risk-based capital ratio | 15.7858% | 3,338 |
| Memoranda: | ||
| Average total assets | $92,767,200 | 4,611 |
| Average earning assets | $85,945,800 | 4,588 |
| Average equity | $9,415,000 | 4,766 |
| Average total loans | $59,645,600 | 4,385 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,087 |
| Cost of funding earning assets | 0.2703% | 4,660 |
| Net interest margin | 4.0768% | 1,474 |
| Noninterest income to average assets | 0.5665% | 2,940 |
| Noninterest expense to average assets | 3.2246% | 1,900 |
| Loan and lease loss provision to assets | 0.0663% | 2,856 |
| Net operating income to assets | 1.0020% | 2,459 |
| Return on assets (ROA) | 1.0047% | 2,539 |
| Pretax return on assets | 1.0609% | 3,371 |
| Return on Equity (ROE) | 9.9596% | 2,122 |
| Retained earnings to average equity (ytd only) | 5.6729% | 2,476 |
| Net charge-offs to loans | 0.0859% | 2,320 |
| Credit loss provision to net charge-offs | 121.0526% | 1,967 |
| Earnings coverage of net charge-offs (x) | 20.5244% | 1,866 |
| Efficiency ratio | 73.5499% | 2,628 |
| Assets per employee ($millions) | 2.9317% | 5,617 |
| Cash dividends to net income (ytd only)* | 43.0416% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 2,627 |
| Loan loss allowance to noncurrent loans | 283.1650% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 4,035 |
| Noncurrent loans to loans | 0.4929% | 3,868 |
| Net loans and leases to total assets | 63.3360% | 3,404 |
| Net loans and leases to deposits | 74.9083% | 3,433 |
| Net loans and leases to core deposits | 78.8947% | 3,519 |
| Total domestic deposits to total assets | 84.5513% | 3,196 |
| Equity capital to assets | 10.3194% | 3,788 |
| Core capital (leverage) ratio | 10.3095% | 3,246 |
| Tier 1 risk-based capital ratio | 14.9959% | 3,292 |
| Total risk-based capital ratio | 16.2464% | 3,235 |
| Memoranda: | ||
| Average total assets | $92,496,250 | 4,665 |
| Average earning assets | $85,817,750 | 4,641 |
| Average equity | $9,330,750 | 4,840 |
| Average total loans | $59,001,500 | 4,452 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,088 |
| Cost of funding earning assets | 0.2713% | 4,702 |
| Net interest margin | 4.0575% | 1,475 |
| Noninterest income to average assets | 0.5736% | 2,884 |
| Noninterest expense to average assets | 3.2545% | 1,836 |
| Loan and lease loss provision to assets | 0.0630% | 2,856 |
| Net operating income to assets | 0.9714% | 2,528 |
| Return on assets (ROA) | 0.9755% | 2,619 |
| Pretax return on assets | 1.0298% | 3,462 |
| Return on Equity (ROE) | 9.7460% | 2,186 |
| Retained earnings to average equity (ytd only) | 3.2342% | 3,991 |
| Net charge-offs to loans | 0.1263% | 1,746 |
| Credit loss provision to net charge-offs | 78.3784% | 2,352 |
| Earnings coverage of net charge-offs (x) | 13.5405% | 2,125 |
| Efficiency ratio | 74.3372% | 2,637 |
| Assets per employee ($millions) | 2.7425% | 5,875 |
| Cash dividends to net income (ytd only)* | 66.8151% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 2,525 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 4,200 |
| Noncurrent loans to loans | 0.4630% | 4,094 |
| Net loans and leases to total assets | 62.0941% | 3,535 |
| Net loans and leases to deposits | 70.9639% | 3,827 |
| Net loans and leases to core deposits | 74.7470% | 3,884 |
| Total domestic deposits to total assets | 87.5010% | 1,903 |
| Equity capital to assets | 10.2273% | 3,778 |
| Core capital (leverage) ratio | 9.9328% | 3,701 |
| Tier 1 risk-based capital ratio | 15.2909% | 3,206 |
| Total risk-based capital ratio | 16.5428% | 3,142 |
| Memoranda: | ||
| Average total assets | $92,057,000 | 4,726 |
| Average earning assets | $85,520,330 | 4,691 |
| Average equity | $9,214,000 | 4,900 |
| Average total loans | $58,582,330 | 4,498 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 2,240 |
| Cost of funding earning assets | 0.2650% | 4,852 |
| Net interest margin | 3.9931% | 1,583 |
| Noninterest income to average assets | 0.5214% | 3,145 |
| Noninterest expense to average assets | 3.2230% | 1,922 |
| Loan and lease loss provision to assets | 0.0603% | 2,723 |
| Net operating income to assets | 0.8880% | 2,803 |
| Return on assets (ROA) | 0.8962% | 2,888 |
| Pretax return on assets | 0.9479% | 3,704 |
| Return on Equity (ROE) | 9.0504% | 2,422 |
| Retained earnings to average equity (ytd only) | -4.0030% | 5,861 |
| Net charge-offs to loans | -0.0067% | 4,581 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7143% | 2,551 |
| Assets per employee ($millions) | 2.8191% | 5,862 |
| Cash dividends to net income (ytd only)* | 144.2308% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 2,740 |
| Loan loss allowance to noncurrent loans | 183.5498% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 3,579 |
| Noncurrent loans to loans | 0.7845% | 3,294 |
| Net loans and leases to total assets | 62.3928% | 3,304 |
| Net loans and leases to deposits | 70.9142% | 3,654 |
| Net loans and leases to core deposits | 74.5645% | 3,731 |
| Total domestic deposits to total assets | 87.9834% | 1,835 |
| Equity capital to assets | 9.9151% | 4,245 |
| Core capital (leverage) ratio | 9.6846% | 4,034 |
| Tier 1 risk-based capital ratio | 14.4407% | 3,755 |
| Total risk-based capital ratio | 15.6922% | 3,680 |
| Memoranda: | ||
| Average total assets | $92,834,000 | 4,753 |
| Average earning assets | $86,049,000 | 4,717 |
| Average equity | $9,193,000 | 4,942 |
| Average total loans | $59,362,500 | 4,511 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 2,302 |
| Cost of funding earning assets | 0.2899% | 4,897 |
| Net interest margin | 4.0845% | 1,630 |
| Noninterest income to average assets | 0.5821% | 2,972 |
| Noninterest expense to average assets | 3.3361% | 1,832 |
| Loan and lease loss provision to assets | 0.0485% | 3,600 |
| Net operating income to assets | 0.9474% | 2,643 |
| Return on assets (ROA) | 0.9748% | 2,582 |
| Pretax return on assets | 1.0086% | 3,455 |
| Return on Equity (ROE) | 9.7658% | 2,212 |
| Retained earnings to average equity (ytd only) | 4.2160% | 3,196 |
| Net charge-offs to loans | 0.0036% | 4,887 |
| Credit loss provision to net charge-offs | 2,150.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 456.0000% | 113 |
| Efficiency ratio | 75.8077% | 2,543 |
| Assets per employee ($millions) | 2.6468% | 6,068 |
| Cash dividends to net income (ytd only)* | 56.8287% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,983 |
| Loan loss allowance to noncurrent loans | 324.1245% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 4,561 |
| Noncurrent loans to loans | 0.4295% | 4,354 |
| Net loans and leases to total assets | 63.6888% | 3,261 |
| Net loans and leases to deposits | 74.0983% | 3,426 |
| Net loans and leases to core deposits | 78.0011% | 3,519 |
| Total domestic deposits to total assets | 85.9518% | 2,869 |
| Equity capital to assets | 9.8901% | 4,244 |
| Core capital (leverage) ratio | 10.0165% | 3,547 |
| Tier 1 risk-based capital ratio | 14.8308% | 3,581 |
| Total risk-based capital ratio | 16.0813% | 3,518 |
| Memoranda: | ||
| Average total assets | $88,637,200 | 4,871 |
| Average earning assets | $82,091,000 | 4,853 |
| Average equity | $8,847,200 | 5,011 |
| Average total loans | $56,158,600 | 4,608 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 2,292 |
| Cost of funding earning assets | 0.2939% | 4,936 |
| Net interest margin | 4.0857% | 1,623 |
| Noninterest income to average assets | 0.5873% | 2,947 |
| Noninterest expense to average assets | 3.3425% | 1,806 |
| Loan and lease loss provision to assets | 0.0456% | 3,475 |
| Net operating income to assets | 0.9531% | 2,672 |
| Return on assets (ROA) | 0.9767% | 2,630 |
| Pretax return on assets | 1.0087% | 3,561 |
| Return on Equity (ROE) | 9.7620% | 2,326 |
| Retained earnings to average equity (ytd only) | 4.0599% | 3,757 |
| Net charge-offs to loans | -0.0217% | 5,637 |
| Credit loss provision to net charge-offs | -333.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8177% | 2,526 |
| Assets per employee ($millions) | 2.6209% | 6,139 |
| Cash dividends to net income (ytd only)* | 58.4114% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 2,825 |
| Loan loss allowance to noncurrent loans | 340.5738% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 4,774 |
| Noncurrent loans to loans | 0.4344% | 4,600 |
| Net loans and leases to total assets | 62.0994% | 3,471 |
| Net loans and leases to deposits | 70.7982% | 3,821 |
| Net loans and leases to core deposits | 74.6006% | 3,887 |
| Total domestic deposits to total assets | 87.7132% | 1,915 |
| Equity capital to assets | 10.2063% | 3,925 |
| Core capital (leverage) ratio | 10.0301% | 3,637 |
| Tier 1 risk-based capital ratio | 15.6114% | 3,254 |
| Total risk-based capital ratio | 16.8651% | 3,192 |
| Memoranda: | ||
| Average total assets | $87,637,000 | 4,949 |
| Average earning assets | $81,192,250 | 4,921 |
| Average equity | $8,768,500 | 5,074 |
| Average total loans | $55,240,000 | 4,680 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 2,443 |
| Cost of funding earning assets | 0.2995% | 4,971 |
| Net interest margin | 4.0371% | 1,696 |
| Noninterest income to average assets | 0.5852% | 2,893 |
| Noninterest expense to average assets | 3.3255% | 1,855 |
| Loan and lease loss provision to assets | 0.0344% | 3,601 |
| Net operating income to assets | 0.9443% | 2,576 |
| Return on assets (ROA) | 0.9777% | 2,500 |
| Pretax return on assets | 1.0029% | 3,465 |
| Return on Equity (ROE) | 9.8387% | 2,227 |
| Retained earnings to average equity (ytd only) | 1.1779% | 5,281 |
| Net charge-offs to loans | -0.0255% | 5,626 |
| Credit loss provision to net charge-offs | -214.2857% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1930% | 2,595 |
| Assets per employee ($millions) | 2.6661% | 6,153 |
| Cash dividends to net income (ytd only)* | 88.0282% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,046 |
| Loan loss allowance to noncurrent loans | 299.2647% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 4,761 |
| Noncurrent loans to loans | 0.4901% | 4,525 |
| Net loans and leases to total assets | 62.1521% | 3,373 |
| Net loans and leases to deposits | 70.2456% | 3,797 |
| Net loans and leases to core deposits | 74.0347% | 3,836 |
| Total domestic deposits to total assets | 88.4782% | 1,650 |
| Equity capital to assets | 10.0681% | 4,011 |
| Core capital (leverage) ratio | 9.9585% | 3,668 |
| Tier 1 risk-based capital ratio | 15.3104% | 3,466 |
| Total risk-based capital ratio | 16.5625% | 3,413 |
| Memoranda: | ||
| Average total assets | $87,145,330 | 4,994 |
| Average earning assets | $80,800,670 | 4,965 |
| Average equity | $8,659,670 | 5,119 |
| Average total loans | $54,930,330 | 4,720 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,425 |
| Cost of funding earning assets | 0.3082% | 4,987 |
| Net interest margin | 4.0172% | 1,700 |
| Noninterest income to average assets | 0.4520% | 3,773 |
| Noninterest expense to average assets | 3.3115% | 1,922 |
| Loan and lease loss provision to assets | 0.0784% | 2,580 |
| Net operating income to assets | 0.7887% | 3,204 |
| Return on assets (ROA) | 0.7887% | 3,282 |
| Pretax return on assets | 0.7887% | 4,152 |
| Return on Equity (ROE) | 7.9902% | 2,932 |
| Retained earnings to average equity (ytd only) | -9.5322% | 6,343 |
| Net charge-offs to loans | -0.0366% | 5,672 |
| Credit loss provision to net charge-offs | -340.0000% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5872% | 2,394 |
| Assets per employee ($millions) | 2.7213% | 6,185 |
| Cash dividends to net income (ytd only)* | 219.2982% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 3,152 |
| Loan loss allowance to noncurrent loans | 167.8351% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 4,111 |
| Noncurrent loans to loans | 0.8924% | 3,653 |
| Net loans and leases to total assets | 61.4770% | 3,317 |
| Net loans and leases to deposits | 68.5506% | 3,792 |
| Net loans and leases to core deposits | 72.2356% | 3,848 |
| Total domestic deposits to total assets | 89.6811% | 1,254 |
| Equity capital to assets | 9.7470% | 4,167 |
| Core capital (leverage) ratio | 9.7572% | 3,919 |
| Tier 1 risk-based capital ratio | 15.0379% | 3,696 |
| Total risk-based capital ratio | 16.2900% | 3,639 |
| Memoranda: | ||
| Average total assets | $86,727,500 | 5,052 |
| Average earning assets | $80,455,000 | 5,010 |
| Average equity | $8,560,500 | 5,162 |
| Average total loans | $54,647,500 | 4,768 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 2,474 |
| Cost of funding earning assets | 0.3632% | 5,018 |
| Net interest margin | 4.0660% | 1,744 |
| Noninterest income to average assets | 0.5214% | 3,619 |
| Noninterest expense to average assets | 3.2975% | 2,158 |
| Loan and lease loss provision to assets | 0.0719% | 3,676 |
| Net operating income to assets | 0.8666% | 2,940 |
| Return on assets (ROA) | 0.8866% | 2,937 |
| Pretax return on assets | 0.9151% | 3,700 |
| Return on Equity (ROE) | 9.2134% | 2,446 |
| Retained earnings to average equity (ytd only) | 4.7668% | 2,756 |
| Net charge-offs to loans | 0.4182% | 1,601 |
| Credit loss provision to net charge-offs | 27.5109% | 4,300 |
| Earnings coverage of net charge-offs (x) | 3.6987% | 3,781 |
| Efficiency ratio | 76.7193% | 2,671 |
| Assets per employee ($millions) | 2.6173% | 6,301 |
| Cash dividends to net income (ytd only)* | 48.2625% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 3,456 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 3,956 |
| Noncurrent loans to loans | 0.9009% | 3,733 |
| Net loans and leases to total assets | 62.6974% | 3,253 |
| Net loans and leases to deposits | 73.0356% | 3,395 |
| Net loans and leases to core deposits | 77.1828% | 3,467 |
| Total domestic deposits to total assets | 85.8449% | 3,339 |
| Equity capital to assets | 9.9951% | 3,780 |
| Core capital (leverage) ratio | 9.9785% | 3,605 |
| Tier 1 risk-based capital ratio | 15.2104% | 3,537 |
| Total risk-based capital ratio | 16.4634% | 3,485 |
| Memoranda: | ||
| Average total assets | $87,643,000 | 5,033 |
| Average earning assets | $80,668,800 | 5,022 |
| Average equity | $8,433,400 | 5,230 |
| Average total loans | $54,764,200 | 4,787 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 2,732 |
| Cost of funding earning assets | 0.3793% | 5,007 |
| Net interest margin | 3.9814% | 2,007 |
| Noninterest income to average assets | 0.5214% | 3,663 |
| Noninterest expense to average assets | 3.2605% | 2,176 |
| Loan and lease loss provision to assets | 0.0803% | 3,453 |
| Net operating income to assets | 0.8187% | 3,258 |
| Return on assets (ROA) | 0.8246% | 3,347 |
| Pretax return on assets | 0.8458% | 4,115 |
| Return on Equity (ROE) | 8.6518% | 2,807 |
| Retained earnings to average equity (ytd only) | 2.6878% | 4,707 |
| Net charge-offs to loans | 0.0561% | 4,108 |
| Credit loss provision to net charge-offs | 230.4348% | 1,054 |
| Earnings coverage of net charge-offs (x) | 26.3877% | 1,349 |
| Efficiency ratio | 77.3387% | 2,507 |
| Assets per employee ($millions) | 2.6151% | 6,368 |
| Cash dividends to net income (ytd only)* | 68.9337% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 2,183 |
| Loan loss allowance to noncurrent loans | 195.6436% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 4,121 |
| Noncurrent loans to loans | 0.9391% | 3,939 |
| Net loans and leases to total assets | 61.1694% | 3,497 |
| Net loans and leases to deposits | 68.3836% | 4,019 |
| Net loans and leases to core deposits | 72.1039% | 4,076 |
| Total domestic deposits to total assets | 89.4505% | 1,328 |
| Equity capital to assets | 9.8067% | 4,171 |
| Core capital (leverage) ratio | 9.6138% | 4,226 |
| Tier 1 risk-based capital ratio | 15.1123% | 3,675 |
| Total risk-based capital ratio | 16.3786% | 3,622 |
| Memoranda: | ||
| Average total assets | $87,960,750 | 5,075 |
| Average earning assets | $80,840,500 | 5,062 |
| Average equity | $8,383,500 | 5,299 |
| Average total loans | $54,719,000 | 4,830 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 2,862 |
| Cost of funding earning assets | 0.3961% | 4,981 |
| Net interest margin | 3.9261% | 2,129 |
| Noninterest income to average assets | 0.4519% | 4,150 |
| Noninterest expense to average assets | 3.2424% | 2,232 |
| Loan and lease loss provision to assets | 0.0655% | 3,718 |
| Net operating income to assets | 0.7389% | 3,621 |
| Return on assets (ROA) | 0.7456% | 3,744 |
| Pretax return on assets | 0.7569% | 4,480 |
| Return on Equity (ROE) | 7.8976% | 3,145 |
| Retained earnings to average equity (ytd only) | -1.0769% | 6,065 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2316% | 2,269 |
| Assets per employee ($millions) | 2.5566% | 6,443 |
| Cash dividends to net income (ytd only)* | 113.6364% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 2,439 |
| Loan loss allowance to noncurrent loans | 183.7989% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 3,846 |
| Noncurrent loans to loans | 0.9781% | 3,979 |
| Net loans and leases to total assets | 62.0239% | 3,280 |
| Net loans and leases to deposits | 70.2926% | 3,682 |
| Net loans and leases to core deposits | 74.1419% | 3,792 |
| Total domestic deposits to total assets | 88.2367% | 2,085 |
| Equity capital to assets | 9.3128% | 4,839 |
| Core capital (leverage) ratio | 9.2366% | 4,640 |
| Tier 1 risk-based capital ratio | 14.6385% | 4,007 |
| Total risk-based capital ratio | 15.8857% | 3,970 |
| Memoranda: | ||
| Average total assets | $88,515,000 | 5,086 |
| Average earning assets | $81,302,670 | 5,078 |
| Average equity | $8,357,000 | 5,350 |
| Average total loans | $55,033,330 | 4,856 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 3,048 |
| Cost of funding earning assets | 0.4102% | 5,009 |
| Net interest margin | 3.8529% | 2,274 |
| Noninterest income to average assets | 0.2284% | 5,835 |
| Noninterest expense to average assets | 3.2336% | 2,258 |
| Loan and lease loss provision to assets | 0.0627% | 3,589 |
| Net operating income to assets | 0.4882% | 4,737 |
| Return on assets (ROA) | 0.4882% | 4,888 |
| Pretax return on assets | 0.4658% | 5,373 |
| Return on Equity (ROE) | 5.1367% | 4,494 |
| Retained earnings to average equity (ytd only) | -12.5353% | 6,691 |
| Net charge-offs to loans | -0.0073% | 5,349 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2381% | 1,617 |
| Assets per employee ($millions) | 2.6967% | 6,407 |
| Cash dividends to net income (ytd only)* | 344.0367% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,720 |
| Loan loss allowance to noncurrent loans | 173.7500% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 3,933 |
| Noncurrent loans to loans | 1.0206% | 4,093 |
| Net loans and leases to total assets | 60.5634% | 3,335 |
| Net loans and leases to deposits | 67.3094% | 3,873 |
| Net loans and leases to core deposits | 70.5990% | 3,994 |
| Total domestic deposits to total assets | 89.9776% | 1,069 |
| Equity capital to assets | 9.3717% | 5,029 |
| Core capital (leverage) ratio | 8.9685% | 4,937 |
| Tier 1 risk-based capital ratio | 13.9601% | 4,536 |
| Total risk-based capital ratio | 15.2244% | 4,486 |
| Memoranda: | ||
| Average total assets | $89,311,000 | 5,115 |
| Average earning assets | $81,912,000 | 5,090 |
| Average equity | $8,488,000 | 5,363 |
| Average total loans | $55,100,000 | 4,885 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 3,389 |
| Cost of funding earning assets | 0.5612% | 4,720 |
| Net interest margin | 3.9391% | 2,655 |
| Noninterest income to average assets | 0.5666% | 3,469 |
| Noninterest expense to average assets | 3.4710% | 1,893 |
| Loan and lease loss provision to assets | 0.4799% | 1,279 |
| Net operating income to assets | 0.1671% | 5,848 |
| Return on assets (ROA) | 0.2199% | 5,921 |
| Pretax return on assets | 0.2394% | 5,928 |
| Return on Equity (ROE) | 2.3481% | 5,808 |
| Retained earnings to average equity (ytd only) | -0.5321% | 5,942 |
| Net charge-offs to loans | 0.4120% | 2,606 |
| Credit loss provision to net charge-offs | 199.5495% | 1,307 |
| Earnings coverage of net charge-offs (x) | 2.7523% | 4,053 |
| Efficiency ratio | 83.3552% | 1,704 |
| Assets per employee ($millions) | 2.5609% | 6,569 |
| Cash dividends to net income (ytd only)* | 122.6601% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 2,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7107% | 4,702 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 60.6632% | 3,478 |
| Net loans and leases to deposits | 67.6046% | 4,042 |
| Net loans and leases to core deposits | 70.8933% | 4,182 |
| Total domestic deposits to total assets | 89.7323% | 1,105 |
| Equity capital to assets | 9.6351% | 4,683 |
| Core capital (leverage) ratio | 8.9896% | 4,912 |
| Tier 1 risk-based capital ratio | 14.1723% | 4,266 |
| Total risk-based capital ratio | 15.4182% | 4,224 |
| Memoranda: | ||
| Average total assets | $92,306,800 | 5,015 |
| Average earning assets | $83,572,600 | 5,027 |
| Average equity | $8,645,400 | 5,318 |
| Average total loans | $53,886,200 | 4,945 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 3,678 |
| Cost of funding earning assets | 0.5987% | 4,665 |
| Net interest margin | 3.8911% | 2,945 |
| Noninterest income to average assets | 0.5664% | 3,498 |
| Noninterest expense to average assets | 3.4847% | 1,797 |
| Loan and lease loss provision to assets | 0.3227% | 2,040 |
| Net operating income to assets | 0.2605% | 5,747 |
| Return on assets (ROA) | 0.2839% | 5,872 |
| Pretax return on assets | 0.2968% | 5,962 |
| Return on Equity (ROE) | 3.0527% | 5,661 |
| Retained earnings to average equity (ytd only) | -0.7863% | 6,242 |
| Net charge-offs to loans | 0.5530% | 1,950 |
| Credit loss provision to net charge-offs | 101.3514% | 2,907 |
| Earnings coverage of net charge-offs (x) | 1.8694% | 4,323 |
| Efficiency ratio | 84.7803% | 1,499 |
| Assets per employee ($millions) | 2.4964% | 6,697 |
| Cash dividends to net income (ytd only)* | 125.7586% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 4,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1335% | 4,021 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 55.5080% | 4,524 |
| Net loans and leases to deposits | 61.8859% | 4,981 |
| Net loans and leases to core deposits | 64.8044% | 5,070 |
| Total domestic deposits to total assets | 89.6941% | 1,014 |
| Equity capital to assets | 9.5004% | 5,207 |
| Core capital (leverage) ratio | 8.9555% | 5,128 |
| Tier 1 risk-based capital ratio | 14.6749% | 4,067 |
| Total risk-based capital ratio | 15.9255% | 4,033 |
| Memoranda: | ||
| Average total assets | $92,975,750 | 5,056 |
| Average earning assets | $83,950,750 | 5,075 |
| Average equity | $8,647,750 | 5,366 |
| Average total loans | $53,525,000 | 5,011 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 4,031 |
| Cost of funding earning assets | 0.6245% | 4,680 |
| Net interest margin | 3.8135% | 3,298 |
| Noninterest income to average assets | 0.4915% | 3,974 |
| Noninterest expense to average assets | 3.5308% | 1,721 |
| Loan and lease loss provision to assets | 0.4808% | 1,318 |
| Net operating income to assets | -0.0687% | 6,401 |
| Return on assets (ROA) | -0.0687% | 6,515 |
| Pretax return on assets | -0.0730% | 6,498 |
| Return on Equity (ROE) | -0.7437% | 6,519 |
| Retained earnings to average equity (ytd only) | -6.5308% | 6,699 |
| Net charge-offs to loans | 0.8181% | 1,346 |
| Credit loss provision to net charge-offs | 101.3575% | 2,683 |
| Earnings coverage of net charge-offs (x) | 0.8597% | 4,624 |
| Efficiency ratio | 88.9918% | 1,148 |
| Assets per employee ($millions) | 2.3318% | 6,882 |
| Cash dividends to net income (ytd only)* | -778.1250% | 7,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1708% | 4,056 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 56.5512% | 4,390 |
| Net loans and leases to deposits | 63.2549% | 4,852 |
| Net loans and leases to core deposits | 66.2185% | 4,978 |
| Total domestic deposits to total assets | 89.4021% | 1,274 |
| Equity capital to assets | 9.1516% | 5,519 |
| Core capital (leverage) ratio | 8.4340% | 5,736 |
| Tier 1 risk-based capital ratio | 13.8988% | 4,525 |
| Total risk-based capital ratio | 15.1501% | 4,498 |
| Memoranda: | ||
| Average total assets | $93,179,330 | 5,090 |
| Average earning assets | $84,226,330 | 5,093 |
| Average equity | $8,605,330 | 5,382 |
| Average total loans | $54,030,000 | 5,029 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 3,897 |
| Cost of funding earning assets | 0.6338% | 4,859 |
| Net interest margin | 3.8695% | 3,057 |
| Noninterest income to average assets | 0.5498% | 3,566 |
| Noninterest expense to average assets | 3.6593% | 1,452 |
| Loan and lease loss provision to assets | 0.6700% | 798 |
| Net operating income to assets | -0.3135% | 6,714 |
| Return on assets (ROA) | -0.3135% | 6,755 |
| Pretax return on assets | -0.2921% | 6,725 |
| Return on Equity (ROE) | -3.3796% | 6,776 |
| Retained earnings to average equity (ytd only) | -14.9074% | 6,971 |
| Net charge-offs to loans | 0.0589% | 3,913 |
| Credit loss provision to net charge-offs | 1,950.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,708 |
| Efficiency ratio | 90.0000% | 1,097 |
| Assets per employee ($millions) | 2.2350% | 7,027 |
| Cash dividends to net income (ytd only)* | -341.0959% | 7,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 3,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2443% | 4,061 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.8476% | 4,414 |
| Net loans and leases to deposits | 62.6021% | 4,825 |
| Net loans and leases to core deposits | 65.5222% | 4,970 |
| Total domestic deposits to total assets | 89.2104% | 1,552 |
| Equity capital to assets | 9.0457% | 5,427 |
| Core capital (leverage) ratio | 8.5230% | 5,560 |
| Tier 1 risk-based capital ratio | 13.7935% | 4,619 |
| Total risk-based capital ratio | 15.0461% | 4,598 |
| Memoranda: | ||
| Average total assets | $93,132,500 | 5,124 |
| Average earning assets | $83,939,500 | 5,141 |
| Average equity | $8,640,000 | 5,386 |
| Average total loans | $54,301,500 | 5,055 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 3,823 |
| Cost of funding earning assets | 0.8179% | 4,724 |
| Net interest margin | 3.9799% | 2,984 |
| Noninterest income to average assets | 0.8146% | 1,985 |
| Noninterest expense to average assets | 3.6276% | 1,690 |
| Loan and lease loss provision to assets | 0.6231% | 1,646 |
| Net operating income to assets | 0.1583% | 5,710 |
| Return on assets (ROA) | 0.2141% | 5,685 |
| Pretax return on assets | 0.2184% | 5,740 |
| Return on Equity (ROE) | 2.3625% | 5,525 |
| Retained earnings to average equity (ytd only) | 0.5936% | 5,566 |
| Net charge-offs to loans | 1.4195% | 1,149 |
| Credit loss provision to net charge-offs | 70.3524% | 4,832 |
| Earnings coverage of net charge-offs (x) | 0.8858% | 5,141 |
| Efficiency ratio | 81.6341% | 2,074 |
| Assets per employee ($millions) | 2.3692% | 6,942 |
| Cash dividends to net income (ytd only)* | 74.8744% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 3,648 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 59.0474% | 4,190 |
| Net loans and leases to deposits | 66.9415% | 4,592 |
| Net loans and leases to core deposits | 69.5272% | 4,846 |
| Total domestic deposits to total assets | 88.2074% | 2,022 |
| Equity capital to assets | 9.5122% | 4,871 |
| Core capital (leverage) ratio | 8.8636% | 5,003 |
| Tier 1 risk-based capital ratio | 13.7512% | 4,518 |
| Total risk-based capital ratio | 14.9905% | 4,491 |
| Memoranda: | ||
| Average total assets | $92,927,600 | 5,103 |
| Average earning assets | $83,996,400 | 5,121 |
| Average equity | $8,423,400 | 5,428 |
| Average total loans | $57,979,800 | 4,951 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 3,943 |
| Cost of funding earning assets | 0.8518% | 4,759 |
| Net interest margin | 3.9677% | 3,060 |
| Noninterest income to average assets | 0.8052% | 2,032 |
| Noninterest expense to average assets | 3.6277% | 1,652 |
| Loan and lease loss provision to assets | 0.8295% | 1,118 |
| Net operating income to assets | -0.0559% | 6,229 |
| Return on assets (ROA) | 0.0215% | 6,224 |
| Pretax return on assets | 0.0158% | 6,213 |
| Return on Equity (ROE) | 0.2400% | 6,210 |
| Retained earnings to average equity (ytd only) | -2.1443% | 6,314 |
| Net charge-offs to loans | 1.7413% | 786 |
| Credit loss provision to net charge-offs | 75.5875% | 4,291 |
| Earnings coverage of net charge-offs (x) | 0.6997% | 5,103 |
| Efficiency ratio | 81.9426% | 1,985 |
| Assets per employee ($millions) | 2.4402% | 6,949 |
| Cash dividends to net income (ytd only)* | 993.3000% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 4,502 |
| Loan loss allowance to noncurrent loans | 1,044.7368% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 5,236 |
| Noncurrent loans to loans | 0.1352% | 6,598 |
| Net loans and leases to total assets | 59.7656% | 4,169 |
| Net loans and leases to deposits | 67.9441% | 4,623 |
| Net loans and leases to core deposits | 70.5673% | 4,878 |
| Total domestic deposits to total assets | 87.9628% | 2,052 |
| Equity capital to assets | 9.3024% | 5,377 |
| Core capital (leverage) ratio | 8.6045% | 5,545 |
| Tier 1 risk-based capital ratio | 13.4659% | 4,764 |
| Total risk-based capital ratio | 14.7168% | 4,729 |
| Memoranda: | ||
| Average total assets | $93,060,250 | 5,137 |
| Average earning assets | $84,211,750 | 5,152 |
| Average equity | $8,332,000 | 5,500 |
| Average total loans | $58,651,000 | 4,962 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 3,909 |
| Cost of funding earning assets | 0.8920% | 4,742 |
| Net interest margin | 3.9476% | 3,098 |
| Noninterest income to average assets | 0.7556% | 2,234 |
| Noninterest expense to average assets | 3.6535% | 1,617 |
| Loan and lease loss provision to assets | 1.2472% | 614 |
| Net operating income to assets | -0.5391% | 6,718 |
| Return on assets (ROA) | -0.4765% | 6,696 |
| Pretax return on assets | -0.5066% | 6,662 |
| Return on Equity (ROE) | -5.3923% | 6,737 |
| Retained earnings to average equity (ytd only) | -9.0114% | 6,827 |
| Net charge-offs to loans | 2.0517% | 647 |
| Credit loss provision to net charge-offs | 95.2459% | 3,298 |
| Earnings coverage of net charge-offs (x) | 0.5148% | 4,921 |
| Efficiency ratio | 83.8294% | 1,839 |
| Assets per employee ($millions) | 2.4109% | 7,015 |
| Cash dividends to net income (ytd only)* | -67.1171% | 7,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 3,404 |
| Loan loss allowance to noncurrent loans | 109.2997% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.5188% | 3,924 |
| Noncurrent loans to loans | 1.5317% | 4,118 |
| Net loans and leases to total assets | 59.4678% | 4,386 |
| Net loans and leases to deposits | 67.2447% | 4,822 |
| Net loans and leases to core deposits | 69.5292% | 5,121 |
| Total domestic deposits to total assets | 88.4349% | 1,898 |
| Equity capital to assets | 8.7722% | 5,852 |
| Core capital (leverage) ratio | 8.2163% | 6,007 |
| Tier 1 risk-based capital ratio | 12.9353% | 4,969 |
| Total risk-based capital ratio | 14.1896% | 4,947 |
| Memoranda: | ||
| Average total assets | $93,170,670 | 5,162 |
| Average earning assets | $84,303,670 | 5,182 |
| Average equity | $8,234,000 | 5,538 |
| Average total loans | $59,463,330 | 4,981 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 3,604 |
| Cost of funding earning assets | 0.9163% | 4,802 |
| Net interest margin | 3.9817% | 2,765 |
| Noninterest income to average assets | 0.6211% | 3,032 |
| Noninterest expense to average assets | 3.6531% | 1,648 |
| Loan and lease loss provision to assets | 2.4929% | 203 |
| Net operating income to assets | -1.9538% | 7,274 |
| Return on assets (ROA) | -1.9538% | 7,271 |
| Pretax return on assets | -1.9451% | 7,245 |
| Return on Equity (ROE) | -22.0250% | 7,246 |
| Retained earnings to average equity (ytd only) | -22.0250% | 7,195 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3450% | 1,676 |
| Assets per employee ($millions) | 2.4383% | 7,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6375% | 1,271 |
| Loan loss allowance to noncurrent loans | 178.3753% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.8718% | 3,468 |
| Noncurrent loans to loans | 1.4786% | 4,254 |
| Net loans and leases to total assets | 60.5191% | 4,170 |
| Net loans and leases to deposits | 68.4296% | 4,617 |
| Net loans and leases to core deposits | 71.3029% | 4,889 |
| Total domestic deposits to total assets | 88.4399% | 2,112 |
| Equity capital to assets | 8.4222% | 6,027 |
| Core capital (leverage) ratio | 8.3404% | 5,727 |
| Tier 1 risk-based capital ratio | 12.6376% | 5,126 |
| Total risk-based capital ratio | 13.9035% | 5,087 |
| Memoranda: | ||
| Average total assets | $92,744,000 | 5,213 |
| Average earning assets | $83,381,000 | 5,256 |
| Average equity | $8,227,000 | 5,545 |
| Average total loans | $60,762,000 | 4,972 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4234% | 2,567 |
| Cost of funding earning assets | 1.1686% | 4,744 |
| Net interest margin | 4.2548% | 1,975 |
| Noninterest income to average assets | 1.0686% | 1,311 |
| Noninterest expense to average assets | 3.9294% | 1,264 |
| Loan and lease loss provision to assets | 0.0302% | 6,827 |
| Net operating income to assets | 0.8724% | 2,495 |
| Return on assets (ROA) | 0.8724% | 2,636 |
| Pretax return on assets | 0.9015% | 3,288 |
| Return on Equity (ROE) | 9.8926% | 1,969 |
| Retained earnings to average equity (ytd only) | 8.0584% | 965 |
| Net charge-offs to loans | 0.0015% | 6,843 |
| Credit loss provision to net charge-offs | 2,800.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 864.0000% | 17 |
| Efficiency ratio | 79.4144% | 2,495 |
| Assets per employee ($millions) | 2.2047% | 7,300 |
| Cash dividends to net income (ytd only)* | 18.5414% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,691 |
| Loan loss allowance to noncurrent loans | 122.6250% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 2.3763% | 2,892 |
| Noncurrent loans to loans | 1.2817% | 4,571 |
| Net loans and leases to total assets | 67.9625% | 2,993 |
| Net loans and leases to deposits | 78.3687% | 3,450 |
| Net loans and leases to core deposits | 82.1860% | 3,881 |
| Total domestic deposits to total assets | 86.7215% | 2,964 |
| Equity capital to assets | 9.3424% | 4,634 |
| Core capital (leverage) ratio | 8.8832% | 4,722 |
| Tier 1 risk-based capital ratio | 12.6038% | 4,931 |
| Total risk-based capital ratio | 13.8574% | 4,913 |
| Memoranda: | ||
| Average total assets | $92,737,600 | 5,198 |
| Average earning assets | $82,660,200 | 5,255 |
| Average equity | $8,177,800 | 5,658 |
| Average total loans | $65,442,200 | 4,850 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4982% | 2,436 |
| Cost of funding earning assets | 1.2150% | 4,769 |
| Net interest margin | 4.2831% | 1,901 |
| Noninterest income to average assets | 1.1115% | 1,142 |
| Noninterest expense to average assets | 3.9617% | 1,099 |
| Loan and lease loss provision to assets | 0.0400% | 6,685 |
| Net operating income to assets | 0.9001% | 2,606 |
| Return on assets (ROA) | 0.9001% | 2,760 |
| Pretax return on assets | 0.9272% | 3,460 |
| Return on Equity (ROE) | 10.3561% | 1,989 |
| Retained earnings to average equity (ytd only) | 7.8903% | 1,456 |
| Net charge-offs to loans | 0.0020% | 6,651 |
| Credit loss provision to net charge-offs | 2,800.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 678.6767% | 39 |
| Efficiency ratio | 78.6957% | 2,531 |
| Assets per employee ($millions) | 2.1563% | 7,415 |
| Cash dividends to net income (ytd only)* | 23.8101% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,803 |
| Loan loss allowance to noncurrent loans | 50.2047% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 3.0939% | 2,340 |
| Noncurrent loans to loans | 3.0585% | 2,611 |
| Net loans and leases to total assets | 69.4595% | 2,865 |
| Net loans and leases to deposits | 80.3520% | 3,385 |
| Net loans and leases to core deposits | 84.8911% | 3,822 |
| Total domestic deposits to total assets | 86.4440% | 2,828 |
| Equity capital to assets | 9.3921% | 4,996 |
| Core capital (leverage) ratio | 8.5913% | 5,361 |
| Tier 1 risk-based capital ratio | 12.2024% | 5,264 |
| Total risk-based capital ratio | 13.4552% | 5,235 |
| Memoranda: | ||
| Average total assets | $93,323,500 | 5,240 |
| Average earning assets | $83,177,000 | 5,301 |
| Average equity | $8,111,000 | 5,751 |
| Average total loans | $66,199,000 | 4,894 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5277% | 2,413 |
| Cost of funding earning assets | 1.2725% | 4,702 |
| Net interest margin | 4.2552% | 1,943 |
| Noninterest income to average assets | 1.1439% | 996 |
| Noninterest expense to average assets | 4.0194% | 1,019 |
| Loan and lease loss provision to assets | 0.0594% | 6,362 |
| Net operating income to assets | 0.8234% | 2,856 |
| Return on assets (ROA) | 0.8234% | 3,005 |
| Pretax return on assets | 0.8404% | 3,740 |
| Return on Equity (ROE) | 9.7251% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.7251% | 908 |
| Net charge-offs to loans | 0.0597% | 5,556 |
| Credit loss provision to net charge-offs | 140.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 21.2000% | 1,177 |
| Efficiency ratio | 79.4651% | 2,511 |
| Assets per employee ($millions) | 2.1286% | 7,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 3,952 |
| Loan loss allowance to noncurrent loans | 48.8325% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.0690% | 2,316 |
| Noncurrent loans to loans | 3.0654% | 2,624 |
| Net loans and leases to total assets | 69.1628% | 3,093 |
| Net loans and leases to deposits | 79.6898% | 3,655 |
| Net loans and leases to core deposits | 83.2389% | 4,243 |
| Total domestic deposits to total assets | 86.7900% | 2,653 |
| Equity capital to assets | 9.0081% | 5,439 |
| Core capital (leverage) ratio | 8.2693% | 5,828 |
| Tier 1 risk-based capital ratio | 12.0821% | 5,241 |
| Total risk-based capital ratio | 13.3350% | 5,206 |
| Memoranda: | ||
| Average total assets | $94,243,000 | 5,243 |
| Average earning assets | $83,615,000 | 5,310 |
| Average equity | $7,979,330 | 5,813 |
| Average total loans | $66,969,670 | 4,905 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 2,070 |
| Cost of funding earning assets | 1.3119% | 4,738 |
| Net interest margin | 4.3078% | 1,667 |
| Noninterest income to average assets | 1.0251% | 1,222 |
| Noninterest expense to average assets | 3.8954% | 1,175 |
| Loan and lease loss provision to assets | 0.1255% | 5,323 |
| Net operating income to assets | 0.7824% | 3,043 |
| Return on assets (ROA) | 0.7824% | 3,159 |
| Pretax return on assets | 0.7824% | 3,942 |
| Return on Equity (ROE) | 9.5329% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.5329% | 1,262 |
| Net charge-offs to loans | 0.0644% | 4,763 |
| Credit loss provision to net charge-offs | 272.7273% | 1,451 |
| Earnings coverage of net charge-offs (x) | 19.7273% | 1,186 |
| Efficiency ratio | 79.7038% | 2,611 |
| Assets per employee ($millions) | 2.1859% | 7,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 4,192 |
| Loan loss allowance to noncurrent loans | 48.0969% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 3.1161% | 2,294 |
| Noncurrent loans to loans | 3.0010% | 2,674 |
| Net loans and leases to total assets | 69.0771% | 3,139 |
| Net loans and leases to deposits | 78.9272% | 3,854 |
| Net loans and leases to core deposits | 83.2648% | 4,303 |
| Total domestic deposits to total assets | 87.5200% | 2,347 |
| Equity capital to assets | 8.2555% | 6,362 |
| Core capital (leverage) ratio | 7.6350% | 6,695 |
| Tier 1 risk-based capital ratio | 10.8051% | 6,337 |
| Total risk-based capital ratio | 12.0579% | 6,318 |
| Memoranda: | ||
| Average total assets | $95,600,000 | 5,274 |
| Average earning assets | $83,847,500 | 5,367 |
| Average equity | $7,846,500 | 5,896 |
| Average total loans | $68,321,500 | 4,924 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9743% | 1,964 |
| Cost of funding earning assets | 1.8064% | 3,956 |
| Net interest margin | 4.1679% | 2,192 |
| Noninterest income to average assets | 1.1354% | 1,196 |
| Noninterest expense to average assets | 4.0244% | 1,326 |
| Loan and lease loss provision to assets | 0.1220% | 6,423 |
| Net operating income to assets | 0.7180% | 2,861 |
| Return on assets (ROA) | 0.8178% | 2,550 |
| Pretax return on assets | 0.8208% | 3,183 |
| Return on Equity (ROE) | 11.0295% | 1,410 |
| Retained earnings to average equity (ytd only) | 9.7103% | 399 |
| Net charge-offs to loans | 0.5193% | 3,700 |
| Credit loss provision to net charge-offs | 31.7585% | 6,885 |
| Earnings coverage of net charge-offs (x) | 2.1942% | 4,081 |
| Efficiency ratio | 81.3549% | 2,689 |
| Assets per employee ($millions) | 2.1116% | 7,642 |
| Cash dividends to net income (ytd only)* | 11.9605% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,355 |
| Loan loss allowance to noncurrent loans | 47.1577% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 3.1351% | 2,203 |
| Noncurrent loans to loans | 2.9220% | 2,642 |
| Net loans and leases to total assets | 71.8560% | 2,787 |
| Net loans and leases to deposits | 82.0099% | 3,613 |
| Net loans and leases to core deposits | 99.9224% | 4,005 |
| Total domestic deposits to total assets | 87.6187% | 2,162 |
| Equity capital to assets | 8.1592% | 6,390 |
| Core capital (leverage) ratio | 7.3009% | 6,983 |
| Tier 1 risk-based capital ratio | 10.1987% | 6,687 |
| Total risk-based capital ratio | 11.4497% | 6,657 |
| Memoranda: | ||
| Average total assets | $99,170,200 | 5,105 |
| Average earning assets | $88,797,200 | 5,160 |
| Average equity | $7,353,000 | 6,152 |
| Average total loans | $73,365,800 | 4,755 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0240% | 1,939 |
| Cost of funding earning assets | 1.8844% | 3,958 |
| Net interest margin | 4.1395% | 2,252 |
| Noninterest income to average assets | 1.1230% | 1,255 |
| Noninterest expense to average assets | 4.0755% | 1,179 |
| Loan and lease loss provision to assets | 0.1357% | 5,999 |
| Net operating income to assets | 0.6493% | 3,410 |
| Return on assets (ROA) | 0.7810% | 2,954 |
| Pretax return on assets | 0.7730% | 3,613 |
| Return on Equity (ROE) | 10.7907% | 1,679 |
| Retained earnings to average equity (ytd only) | 9.0076% | 836 |
| Net charge-offs to loans | 0.6093% | 2,847 |
| Credit loss provision to net charge-offs | 30.0000% | 6,509 |
| Earnings coverage of net charge-offs (x) | 1.7177% | 4,510 |
| Efficiency ratio | 82.6707% | 2,483 |
| Assets per employee ($millions) | 2.1451% | 7,665 |
| Cash dividends to net income (ytd only)* | 16.5246% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,173 |
| Loan loss allowance to noncurrent loans | 45.8862% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 3.1670% | 2,146 |
| Noncurrent loans to loans | 2.9560% | 2,562 |
| Net loans and leases to total assets | 71.9336% | 3,050 |
| Net loans and leases to deposits | 84.6278% | 3,547 |
| Net loans and leases to core deposits | 104.0488% | 3,928 |
| Total domestic deposits to total assets | 84.9999% | 3,237 |
| Equity capital to assets | 7.7559% | 7,087 |
| Core capital (leverage) ratio | 6.8489% | 7,520 |
| Tier 1 risk-based capital ratio | 9.5548% | 7,331 |
| Total risk-based capital ratio | 10.8056% | 7,292 |
| Memoranda: | ||
| Average total assets | $100,207,250 | 5,122 |
| Average earning assets | $90,281,750 | 5,154 |
| Average equity | $7,253,000 | 6,243 |
| Average total loans | $74,399,000 | 4,758 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1167% | 1,737 |
| Cost of funding earning assets | 1.9618% | 3,953 |
| Net interest margin | 4.1550% | 2,142 |
| Noninterest income to average assets | 1.0941% | 1,327 |
| Noninterest expense to average assets | 4.1184% | 1,165 |
| Loan and lease loss provision to assets | 0.2145% | 4,901 |
| Net operating income to assets | 0.5898% | 3,718 |
| Return on assets (ROA) | 0.7863% | 3,000 |
| Pretax return on assets | 0.7010% | 3,987 |
| Return on Equity (ROE) | 11.1241% | 1,668 |
| Retained earnings to average equity (ytd only) | 8.3993% | 1,093 |
| Net charge-offs to loans | 0.8456% | 2,000 |
| Credit loss provision to net charge-offs | 33.9623% | 5,977 |
| Earnings coverage of net charge-offs (x) | 1.1384% | 4,671 |
| Efficiency ratio | 83.8259% | 2,497 |
| Assets per employee ($millions) | 2.0035% | 7,853 |
| Cash dividends to net income (ytd only)* | 24.4949% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 4,007 |
| Loan loss allowance to noncurrent loans | 47.4256% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 3.0436% | 2,081 |
| Noncurrent loans to loans | 2.8367% | 2,540 |
| Net loans and leases to total assets | 73.4959% | 2,842 |
| Net loans and leases to deposits | 86.3142% | 3,494 |
| Net loans and leases to core deposits | 107.0690% | 3,715 |
| Total domestic deposits to total assets | 85.1493% | 3,188 |
| Equity capital to assets | 7.2631% | 7,441 |
| Core capital (leverage) ratio | 6.5920% | 7,748 |
| Tier 1 risk-based capital ratio | 8.7581% | 7,800 |
| Total risk-based capital ratio | 10.0085% | 7,848 |
| Memoranda: | ||
| Average total assets | $100,718,670 | 5,143 |
| Average earning assets | $90,734,670 | 5,173 |
| Average equity | $7,119,670 | 6,333 |
| Average total loans | $75,213,670 | 4,767 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2918% | 1,323 |
| Cost of funding earning assets | 2.0374% | 3,942 |
| Net interest margin | 4.2544% | 1,731 |
| Noninterest income to average assets | 0.8991% | 1,855 |
| Noninterest expense to average assets | 4.0559% | 1,119 |
| Loan and lease loss provision to assets | 0.3961% | 2,952 |
| Net operating income to assets | 0.3644% | 4,998 |
| Return on assets (ROA) | 0.7565% | 3,496 |
| Pretax return on assets | 0.6852% | 4,486 |
| Return on Equity (ROE) | 10.8500% | 2,015 |
| Retained earnings to average equity (ytd only) | 5.3398% | 2,937 |
| Net charge-offs to loans | 0.4662% | 2,281 |
| Credit loss provision to net charge-offs | 113.6364% | 3,415 |
| Earnings coverage of net charge-offs (x) | 1.9773% | 3,735 |
| Efficiency ratio | 84.1402% | 2,288 |
| Assets per employee ($millions) | 1.9961% | 7,904 |
| Cash dividends to net income (ytd only)* | 50.7853% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,307 |
| Loan loss allowance to noncurrent loans | 498.3740% | 698 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 4,581 |
| Noncurrent loans to loans | 0.3316% | 6,600 |
| Net loans and leases to total assets | 73.1108% | 2,984 |
| Net loans and leases to deposits | 85.7974% | 3,667 |
| Net loans and leases to core deposits | 108.7061% | 3,594 |
| Total domestic deposits to total assets | 85.2133% | 3,099 |
| Equity capital to assets | 7.0557% | 7,654 |
| Core capital (leverage) ratio | 6.3331% | 7,934 |
| Tier 1 risk-based capital ratio | 8.5525% | 7,936 |
| Total risk-based capital ratio | 9.8073% | 7,975 |
| Memoranda: | ||
| Average total assets | $100,989,500 | 5,153 |
| Average earning assets | $91,293,000 | 5,172 |
| Average equity | $7,041,500 | 6,390 |
| Average total loans | $75,505,500 | 4,779 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9146% | 1,360 |
| Cost of funding earning assets | 2.5363% | 4,019 |
| Net interest margin | 4.3783% | 1,754 |
| Noninterest income to average assets | 1.1462% | 1,176 |
| Noninterest expense to average assets | 4.0253% | 1,378 |
| Loan and lease loss provision to assets | 0.8579% | 1,739 |
| Net operating income to assets | 0.2176% | 5,796 |
| Return on assets (ROA) | 0.2387% | 5,554 |
| Pretax return on assets | 0.2742% | 5,563 |
| Return on Equity (ROE) | 3.2915% | 5,123 |
| Retained earnings to average equity (ytd only) | -1.0181% | 5,609 |
| Net charge-offs to loans | 0.2046% | 4,159 |
| Credit loss provision to net charge-offs | 580.8219% | 753 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 3,098 |
| Efficiency ratio | 77.8281% | 2,942 |
| Assets per employee ($millions) | 2.1286% | 7,793 |
| Cash dividends to net income (ytd only)* | 130.9322% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 2,328 |
| Loan loss allowance to noncurrent loans | 347.8510% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 5,086 |
| Noncurrent loans to loans | 0.4543% | 5,984 |
| Net loans and leases to total assets | 73.9941% | 3,101 |
| Net loans and leases to deposits | 90.7870% | 3,320 |
| Net loans and leases to core deposits | 115.1451% | 3,227 |
| Total domestic deposits to total assets | 81.5029% | 4,406 |
| Equity capital to assets | 6.8913% | 7,784 |
| Core capital (leverage) ratio | 6.3051% | 7,988 |
| Tier 1 risk-based capital ratio | 8.1039% | 8,068 |
| Total risk-based capital ratio | 9.3575% | 8,106 |
| Memoranda: | ||
| Average total assets | $98,850,600 | 5,090 |
| Average earning assets | $90,012,000 | 5,081 |
| Average equity | $7,170,000 | 6,396 |
| Average total loans | $71,370,400 | 4,820 |