Home > Pavillion Bank > Performance and Condition Ratios
Pavillion 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 | 6.6332% | 309 |
| Cost of funding earning assets | 0.4769% | 4,218 |
| Net interest margin | 6.1563% | 99 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 3.3551% | 697 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.2092% | 332 |
| Return on assets (ROA) | 2.2092% | 324 |
| Pretax return on assets | 2.7272% | 273 |
| Return on Equity (ROE) | 15.2800% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.2465% | 2,154 |
| Net charge-offs to loans | 0.2103% | 513 |
| Credit loss provision to net charge-offs | 61.4035% | 2,139 |
| Earnings coverage of net charge-offs (x) | 18.2544% | 1,942 |
| Efficiency ratio | 54.3139% | 3,655 |
| Assets per employee ($millions) | 4.6367% | 3,862 |
| Cash dividends to net income (ytd only)* | 59.1160% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,454 |
| 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 | 76.8400% | 997 |
| Net loans and leases to deposits | 94.2555% | 919 |
| Net loans and leases to core deposits | 97.3495% | 1,573 |
| Total domestic deposits to total assets | 81.5200% | 3,222 |
| Equity capital to assets | 15.8359% | 480 |
| Core capital (leverage) ratio | 15.7993% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7536% | 558 |
| Memoranda: | ||
| Average total assets | $73,737,600 | 4,084 |
| Average earning assets | $66,891,200 | 4,069 |
| Average equity | $10,662,000 | 3,650 |
| Average total loans | $54,217,400 | 3,788 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5059% | 302 |
| Cost of funding earning assets | 0.4318% | 4,221 |
| Net interest margin | 6.0741% | 98 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.1860% | 837 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.9879% | 508 |
| Return on assets (ROA) | 1.9879% | 498 |
| Pretax return on assets | 2.4907% | 382 |
| Return on Equity (ROE) | 14.0600% | 1,639 |
| Retained earnings to average equity (ytd only) | 6.0272% | 2,627 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.3422% | 3,460 |
| Assets per employee ($millions) | 4.5827% | 3,888 |
| Cash dividends to net income (ytd only)* | 57.1300% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 1,513 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.8600% | 1,254 |
| Net loans and leases to deposits | 91.8088% | 1,067 |
| Net loans and leases to core deposits | 95.7411% | 1,566 |
| Total domestic deposits to total assets | 81.5400% | 3,303 |
| Equity capital to assets | 15.7199% | 469 |
| Core capital (leverage) ratio | 14.9335% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6524% | 507 |
| Memoranda: | ||
| Average total assets | $74,784,250 | 4,084 |
| Average earning assets | $68,244,500 | 4,072 |
| Average equity | $10,574,000 | 3,666 |
| Average total loans | $54,253,250 | 3,788 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0994% | 393 |
| Cost of funding earning assets | 0.3957% | 4,171 |
| Net interest margin | 5.7037% | 135 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 3.1563% | 836 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.7552% | 707 |
| Return on assets (ROA) | 1.7552% | 710 |
| Pretax return on assets | 2.2110% | 523 |
| Return on Equity (ROE) | 12.8400% | 1,937 |
| Retained earnings to average equity (ytd only) | 4.7444% | 3,011 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.9627% | 3,196 |
| Assets per employee ($millions) | 5.2694% | 3,345 |
| Cash dividends to net income (ytd only)* | 63.0564% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 2,000 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.7300% | 1,325 |
| Net loans and leases to deposits | 88.6150% | 1,290 |
| Net loans and leases to core deposits | 99.3933% | 1,271 |
| Total domestic deposits to total assets | 83.2000% | 3,000 |
| Equity capital to assets | 14.3374% | 598 |
| Core capital (leverage) ratio | 14.3755% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1394% | 624 |
| Memoranda: | ||
| Average total assets | $76,798,667 | 4,080 |
| Average earning assets | $70,760,667 | 4,069 |
| Average equity | $10,496,667 | 3,679 |
| Average total loans | $54,944,667 | 3,794 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9899% | 315 |
| Cost of funding earning assets | 0.3785% | 4,015 |
| Net interest margin | 5.6114% | 132 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 3.2026% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8184% | 648 |
| Return on assets (ROA) | 1.8184% | 635 |
| Pretax return on assets | 2.2015% | 567 |
| Return on Equity (ROE) | 13.6200% | 1,855 |
| Retained earnings to average equity (ytd only) | 5.5085% | 2,885 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.2628% | 3,051 |
| Assets per employee ($millions) | 4.3238% | 4,116 |
| Cash dividends to net income (ytd only)* | 59.5506% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 2,189 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.6900% | 1,457 |
| Net loans and leases to deposits | 86.1051% | 1,345 |
| Net loans and leases to core deposits | 94.6846% | 1,348 |
| Total domestic deposits to total assets | 83.2500% | 3,248 |
| Equity capital to assets | 14.2917% | 554 |
| Core capital (leverage) ratio | 13.2558% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8061% | 583 |
| Memoranda: | ||
| Average total assets | $78,312,000 | 4,126 |
| Average earning assets | $72,923,000 | 4,097 |
| Average equity | $10,456,500 | 3,726 |
| Average total loans | $54,868,000 | 3,837 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 781 |
| Cost of funding earning assets | 0.2187% | 3,607 |
| Net interest margin | 4.2417% | 481 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.7328% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1025% | 2,163 |
| Return on assets (ROA) | 1.1025% | 2,097 |
| Pretax return on assets | 1.4129% | 1,732 |
| Return on Equity (ROE) | 9.6400% | 2,926 |
| Retained earnings to average equity (ytd only) | 2.9283% | 3,739 |
| Net charge-offs to loans | 0.0756% | 893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 28.6591% | 1,710 |
| Efficiency ratio | 65.9189% | 2,237 |
| Assets per employee ($millions) | 4.8894% | 3,757 |
| Cash dividends to net income (ytd only)* | 69.6138% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,374 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 67.0000% | 1,931 |
| Net loans and leases to deposits | 78.6804% | 1,882 |
| Net loans and leases to core deposits | 86.0011% | 1,751 |
| Total domestic deposits to total assets | 85.1500% | 2,954 |
| Equity capital to assets | 12.5217% | 798 |
| Core capital (leverage) ratio | 12.1344% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2935% | 691 |
| Memoranda: | ||
| Average total assets | $89,249,800 | 4,022 |
| Average earning assets | $84,118,000 | 3,992 |
| Average equity | $10,210,600 | 3,844 |
| Average total loans | $58,220,000 | 3,763 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 1,078 |
| Cost of funding earning assets | 0.2004% | 3,266 |
| Net interest margin | 3.8968% | 810 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.6319% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9370% | 2,728 |
| Return on assets (ROA) | 0.9370% | 2,692 |
| Pretax return on assets | 1.2043% | 2,349 |
| Return on Equity (ROE) | 8.3700% | 3,208 |
| Retained earnings to average equity (ytd only) | 2.0076% | 4,032 |
| Net charge-offs to loans | 0.1000% | 614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 18.6364% | 1,752 |
| Efficiency ratio | 68.6064% | 1,941 |
| Assets per employee ($millions) | 5.1647% | 3,536 |
| Cash dividends to net income (ytd only)* | 76.0188% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,061 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.9200% | 1,483 |
| Net loans and leases to deposits | 80.9784% | 1,524 |
| Net loans and leases to core deposits | 87.9442% | 1,416 |
| Total domestic deposits to total assets | 86.3500% | 2,969 |
| Equity capital to assets | 11.6686% | 948 |
| Core capital (leverage) ratio | 11.2829% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9707% | 992 |
| Memoranda: | ||
| Average total assets | $90,782,250 | 4,032 |
| Average earning assets | $85,811,250 | 4,000 |
| Average equity | $10,161,250 | 3,899 |
| Average total loans | $58,683,250 | 3,767 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7675% | 1,376 |
| Cost of funding earning assets | 0.2004% | 2,904 |
| Net interest margin | 3.5672% | 1,141 |
| Noninterest income to average assets | 0.1613% | 4,203 |
| Noninterest expense to average assets | 2.6085% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7170% | 3,252 |
| Return on assets (ROA) | 0.7170% | 3,204 |
| Pretax return on assets | 0.9283% | 2,968 |
| Return on Equity (ROE) | 6.4934% | 3,449 |
| Retained earnings to average equity (ytd only) | 0.3750% | 4,115 |
| Net charge-offs to loans | 0.1529% | 421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.6818% | 1,777 |
| Efficiency ratio | 73.7523% | 1,536 |
| Assets per employee ($millions) | 5.4098% | 3,320 |
| Cash dividends to net income (ytd only)* | 94.2249% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,814 |
| Loan loss allowance to noncurrent loans | 300.8889% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,102 |
| Noncurrent loans to loans | 0.3908% | 1,964 |
| Net loans and leases to total assets | 61.8635% | 2,139 |
| Net loans and leases to deposits | 71.0864% | 2,101 |
| Net loans and leases to core deposits | 81.7748% | 1,605 |
| Total domestic deposits to total assets | 87.0258% | 2,927 |
| Equity capital to assets | 11.0072% | 1,205 |
| Core capital (leverage) ratio | 10.8826% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1461% | 831 |
| Memoranda: | ||
| Average total assets | $91,776,333 | 4,066 |
| Average earning assets | $86,847,667 | 4,039 |
| Average equity | $10,133,333 | 3,967 |
| Average total loans | $57,554,333 | 3,835 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 1,090 |
| Cost of funding earning assets | 0.1979% | 2,830 |
| Net interest margin | 3.5997% | 892 |
| Noninterest income to average assets | 0.1745% | 4,126 |
| Noninterest expense to average assets | 2.6483% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7461% | 2,871 |
| Return on assets (ROA) | 0.7461% | 2,863 |
| Pretax return on assets | 0.9380% | 2,638 |
| Return on Equity (ROE) | 6.7466% | 3,117 |
| Retained earnings to average equity (ytd only) | 0.4340% | 3,932 |
| Net charge-offs to loans | 0.0695% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,255 |
| Efficiency ratio | 73.8443% | 1,757 |
| Assets per employee ($millions) | 5.0887% | 3,678 |
| Cash dividends to net income (ytd only)* | 93.5673% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,918 |
| Loan loss allowance to noncurrent loans | 1,921.6216% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,625 |
| Noncurrent loans to loans | 0.0726% | 3,489 |
| Net loans and leases to total assets | 54.8310% | 2,652 |
| Net loans and leases to deposits | 63.0776% | 2,616 |
| Net loans and leases to core deposits | 72.5944% | 2,061 |
| Total domestic deposits to total assets | 86.9263% | 2,955 |
| Equity capital to assets | 11.0671% | 1,301 |
| Core capital (leverage) ratio | 11.0902% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0491% | 557 |
| Memoranda: | ||
| Average total assets | $91,681,000 | 4,083 |
| Average earning assets | $86,896,500 | 4,054 |
| Average equity | $10,138,500 | 4,038 |
| Average total loans | $57,546,000 | 3,838 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 920 |
| Cost of funding earning assets | 0.2232% | 3,220 |
| Net interest margin | 4.0273% | 668 |
| Noninterest income to average assets | 0.5543% | 2,343 |
| Noninterest expense to average assets | 2.8566% | 1,242 |
| Loan and lease loss provision to assets | 0.1184% | 1,060 |
| Net operating income to assets | 1.1050% | 2,280 |
| Return on assets (ROA) | 1.1050% | 2,337 |
| Pretax return on assets | 1.3833% | 2,104 |
| Return on Equity (ROE) | 9.1947% | 2,834 |
| Retained earnings to average equity (ytd only) | 0.2267% | 4,432 |
| Net charge-offs to loans | 0.2004% | 478 |
| Credit loss provision to net charge-offs | 82.6446% | 1,937 |
| Earnings coverage of net charge-offs (x) | 10.4793% | 2,207 |
| Efficiency ratio | 65.5435% | 2,330 |
| Assets per employee ($millions) | 4.8298% | 3,866 |
| Cash dividends to net income (ytd only)* | 97.5348% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,261 |
| Loan loss allowance to noncurrent loans | 1,534.0426% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,625 |
| Noncurrent loans to loans | 0.0733% | 3,568 |
| Net loans and leases to total assets | 69.1291% | 1,137 |
| Net loans and leases to deposits | 79.8020% | 1,235 |
| Net loans and leases to core deposits | 90.8488% | 932 |
| Total domestic deposits to total assets | 86.6258% | 2,655 |
| Equity capital to assets | 11.0498% | 1,762 |
| Core capital (leverage) ratio | 11.2508% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2499% | 998 |
| Memoranda: | ||
| Average total assets | $84,435,200 | 4,160 |
| Average earning assets | $79,756,400 | 4,135 |
| Average equity | $10,147,200 | 4,109 |
| Average total loans | $60,364,400 | 3,810 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 937 |
| Cost of funding earning assets | 0.2293% | 3,333 |
| Net interest margin | 4.0799% | 680 |
| Noninterest income to average assets | 0.1614% | 4,394 |
| Noninterest expense to average assets | 2.9280% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8910% | 3,271 |
| Return on assets (ROA) | 0.8910% | 3,347 |
| Pretax return on assets | 1.0815% | 3,238 |
| Return on Equity (ROE) | 7.2518% | 3,603 |
| Retained earnings to average equity (ytd only) | 0.2233% | 4,531 |
| Net charge-offs to loans | 0.0449% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,466 |
| Efficiency ratio | 73.0274% | 1,303 |
| Assets per employee ($millions) | 4.7454% | 3,931 |
| Cash dividends to net income (ytd only)* | 96.9203% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,354 |
| Loan loss allowance to noncurrent loans | 487.8378% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,967 |
| Noncurrent loans to loans | 0.2293% | 3,022 |
| Net loans and leases to total assets | 74.7287% | 635 |
| Net loans and leases to deposits | 87.0355% | 766 |
| Net loans and leases to core deposits | 100.2135% | 577 |
| Total domestic deposits to total assets | 85.8600% | 2,800 |
| Equity capital to assets | 11.8700% | 1,459 |
| Core capital (leverage) ratio | 12.2481% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4141% | 1,064 |
| Memoranda: | ||
| Average total assets | $82,602,500 | 4,232 |
| Average earning assets | $77,908,500 | 4,208 |
| Average equity | $10,149,000 | 4,168 |
| Average total loans | $59,416,000 | 3,873 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 999 |
| Cost of funding earning assets | 0.2389% | 3,387 |
| Net interest margin | 4.0668% | 736 |
| Noninterest income to average assets | 0.1714% | 4,351 |
| Noninterest expense to average assets | 2.9560% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8572% | 3,346 |
| Return on assets (ROA) | 0.8572% | 3,426 |
| Pretax return on assets | 1.0506% | 3,331 |
| Return on Equity (ROE) | 6.8950% | 3,685 |
| Retained earnings to average equity (ytd only) | 0.0985% | 4,496 |
| Net charge-offs to loans | 0.0693% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 21.4500% | 1,508 |
| Efficiency ratio | 73.7775% | 1,261 |
| Assets per employee ($millions) | 4.2275% | 4,309 |
| Cash dividends to net income (ytd only)* | 98.5714% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,810 |
| Loan loss allowance to noncurrent loans | 523.1884% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,118 |
| Noncurrent loans to loans | 0.2337% | 3,111 |
| Net loans and leases to total assets | 72.6181% | 895 |
| Net loans and leases to deposits | 85.3762% | 952 |
| Net loans and leases to core deposits | 98.8661% | 690 |
| Total domestic deposits to total assets | 85.0566% | 3,071 |
| Equity capital to assets | 12.6240% | 1,076 |
| Core capital (leverage) ratio | 12.3740% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0483% | 799 |
| Memoranda: | ||
| Average total assets | $81,664,333 | 4,269 |
| Average earning assets | $77,013,667 | 4,245 |
| Average equity | $10,152,333 | 4,184 |
| Average total loans | $57,703,667 | 3,937 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 936 |
| Cost of funding earning assets | 0.2423% | 3,547 |
| Net interest margin | 4.1337% | 686 |
| Noninterest income to average assets | 0.2040% | 4,162 |
| Noninterest expense to average assets | 2.9246% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9814% | 2,867 |
| Return on assets (ROA) | 0.9814% | 2,964 |
| Pretax return on assets | 1.1757% | 2,912 |
| Return on Equity (ROE) | 7.9539% | 3,339 |
| Retained earnings to average equity (ytd only) | 0.6694% | 4,276 |
| Net charge-offs to loans | 0.1403% | 534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 12.1000% | 1,428 |
| Efficiency ratio | 71.3270% | 1,562 |
| Assets per employee ($millions) | 4.4121% | 4,184 |
| Cash dividends to net income (ytd only)* | 91.5842% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,697 |
| Loan loss allowance to noncurrent loans | 523.1884% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 3,340 |
| Noncurrent loans to loans | 0.2377% | 3,252 |
| Net loans and leases to total assets | 68.3868% | 1,480 |
| Net loans and leases to deposits | 79.8874% | 1,531 |
| Net loans and leases to core deposits | 91.7821% | 1,129 |
| Total domestic deposits to total assets | 85.6040% | 2,891 |
| Equity capital to assets | 12.1223% | 1,234 |
| Core capital (leverage) ratio | 12.5108% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4344% | 738 |
| Memoranda: | ||
| Average total assets | $82,335,000 | 4,277 |
| Average earning assets | $77,605,500 | 4,254 |
| Average equity | $10,158,500 | 4,196 |
| Average total loans | $57,030,000 | 3,968 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 515 |
| Cost of funding earning assets | 0.3360% | 3,945 |
| Net interest margin | 4.6392% | 245 |
| Noninterest income to average assets | 0.1451% | 4,572 |
| Noninterest expense to average assets | 3.2454% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9795% | 2,357 |
| Return on assets (ROA) | 0.9795% | 2,506 |
| Pretax return on assets | 1.2607% | 2,116 |
| Return on Equity (ROE) | 7.5063% | 2,996 |
| Retained earnings to average equity (ytd only) | 0.0787% | 4,496 |
| Net charge-offs to loans | 0.0055% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 327.3333% | 327 |
| Efficiency ratio | 72.0228% | 1,678 |
| Assets per employee ($millions) | 4.2548% | 4,172 |
| Cash dividends to net income (ytd only)* | 98.9515% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,286 |
| Loan loss allowance to noncurrent loans | 463.7500% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 3,294 |
| Noncurrent loans to loans | 0.2857% | 3,177 |
| Net loans and leases to total assets | 68.3663% | 1,780 |
| Net loans and leases to deposits | 80.3840% | 1,821 |
| Net loans and leases to core deposits | 92.9233% | 1,310 |
| Total domestic deposits to total assets | 85.0497% | 2,741 |
| Equity capital to assets | 12.5617% | 1,290 |
| Core capital (leverage) ratio | 12.3086% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9949% | 661 |
| Memoranda: | ||
| Average total assets | $77,894,800 | 4,268 |
| Average earning assets | $73,224,200 | 4,251 |
| Average equity | $10,164,800 | 4,176 |
| Average total loans | $54,409,000 | 4,014 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 576 |
| Cost of funding earning assets | 0.3568% | 4,022 |
| Net interest margin | 4.6746% | 272 |
| Noninterest income to average assets | 0.1935% | 4,313 |
| Noninterest expense to average assets | 3.3333% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9798% | 2,409 |
| Return on assets (ROA) | 0.9798% | 2,552 |
| Pretax return on assets | 1.2528% | 2,217 |
| Return on Equity (ROE) | 7.4355% | 3,033 |
| Retained earnings to average equity (ytd only) | 0.0262% | 4,477 |
| Net charge-offs to loans | 0.0025% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 725.0000% | 168 |
| Efficiency ratio | 72.6827% | 1,558 |
| Assets per employee ($millions) | 4.2633% | 4,080 |
| Cash dividends to net income (ytd only)* | 99.6473% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 2,246 |
| Loan loss allowance to noncurrent loans | 366.5025% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 2,843 |
| Noncurrent loans to loans | 0.3492% | 3,037 |
| Net loans and leases to total assets | 70.8542% | 1,841 |
| Net loans and leases to deposits | 83.2473% | 1,991 |
| Net loans and leases to core deposits | 96.1567% | 1,443 |
| Total domestic deposits to total assets | 85.1129% | 2,389 |
| Equity capital to assets | 12.5415% | 1,403 |
| Core capital (leverage) ratio | 12.4636% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1259% | 772 |
| Memoranda: | ||
| Average total assets | $77,158,250 | 4,286 |
| Average earning assets | $72,503,750 | 4,265 |
| Average equity | $10,167,250 | 4,191 |
| Average total loans | $54,008,750 | 4,050 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 634 |
| Cost of funding earning assets | 0.3763% | 4,144 |
| Net interest margin | 4.7650% | 300 |
| Noninterest income to average assets | 0.1951% | 4,302 |
| Noninterest expense to average assets | 3.3871% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0227% | 2,243 |
| Return on assets (ROA) | 1.0227% | 2,374 |
| Pretax return on assets | 1.2810% | 2,098 |
| Return on Equity (ROE) | 7.6303% | 2,888 |
| Retained earnings to average equity (ytd only) | 0.2557% | 4,258 |
| Net charge-offs to loans | -0.0076% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5579% | 1,615 |
| Assets per employee ($millions) | 4.2255% | 4,079 |
| Cash dividends to net income (ytd only)* | 96.6495% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,760 |
| Loan loss allowance to noncurrent loans | 360.8696% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 2,977 |
| Noncurrent loans to loans | 0.3750% | 3,069 |
| Net loans and leases to total assets | 67.8205% | 2,387 |
| Net loans and leases to deposits | 78.0687% | 2,643 |
| Net loans and leases to core deposits | 89.9582% | 2,077 |
| Total domestic deposits to total assets | 86.8729% | 1,674 |
| Equity capital to assets | 12.6750% | 1,292 |
| Core capital (leverage) ratio | 12.9229% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7348% | 698 |
| Memoranda: | ||
| Average total assets | $75,876,667 | 4,308 |
| Average earning assets | $71,227,667 | 4,287 |
| Average equity | $10,170,000 | 4,203 |
| Average total loans | $52,632,333 | 4,089 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6284% | 283 |
| Cost of funding earning assets | 0.4165% | 4,302 |
| Net interest margin | 5.2119% | 141 |
| Noninterest income to average assets | 0.2389% | 4,126 |
| Noninterest expense to average assets | 3.4368% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4008% | 974 |
| Return on assets (ROA) | 1.4008% | 1,055 |
| Pretax return on assets | 1.6940% | 865 |
| Return on Equity (ROE) | 10.1505% | 1,697 |
| Retained earnings to average equity (ytd only) | 2.2819% | 3,336 |
| Net charge-offs to loans | -0.0078% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9841% | 2,820 |
| Assets per employee ($millions) | 3.8507% | 4,120 |
| Cash dividends to net income (ytd only)* | 77.5194% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,479 |
| Loan loss allowance to noncurrent loans | 350.2347% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 2,950 |
| Noncurrent loans to loans | 0.4176% | 2,998 |
| Net loans and leases to total assets | 68.6987% | 2,437 |
| Net loans and leases to deposits | 80.0618% | 2,671 |
| Net loans and leases to core deposits | 93.7759% | 1,997 |
| Total domestic deposits to total assets | 85.8070% | 2,085 |
| Equity capital to assets | 13.9032% | 1,093 |
| Core capital (leverage) ratio | 13.7408% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9006% | 757 |
| Memoranda: | ||
| Average total assets | $73,673,000 | 4,349 |
| Average earning assets | $69,149,000 | 4,327 |
| Average equity | $10,167,000 | 4,223 |
| Average total loans | $51,350,500 | 4,130 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2897% | 836 |
| Cost of funding earning assets | 0.3997% | 4,442 |
| Net interest margin | 4.8900% | 336 |
| Noninterest income to average assets | 0.5511% | 2,473 |
| Noninterest expense to average assets | 3.2306% | 1,444 |
| Loan and lease loss provision to assets | 0.2742% | 648 |
| Net operating income to assets | 1.3176% | 1,627 |
| Return on assets (ROA) | 1.3176% | 1,705 |
| Pretax return on assets | 1.6153% | 1,443 |
| Return on Equity (ROE) | 9.8711% | 2,352 |
| Retained earnings to average equity (ytd only) | 0.0391% | 4,683 |
| Net charge-offs to loans | 0.0377% | 2,635 |
| Credit loss provision to net charge-offs | 1,050.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 72.3500% | 867 |
| Efficiency ratio | 63.0961% | 3,209 |
| Assets per employee ($millions) | 3.9044% | 4,026 |
| Cash dividends to net income (ytd only)* | 99.6036% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,389 |
| Loan loss allowance to noncurrent loans | 35.2412% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 2.9306% | 185 |
| Noncurrent loans to loans | 4.0895% | 161 |
| Net loans and leases to total assets | 68.6788% | 2,586 |
| Net loans and leases to deposits | 80.3888% | 2,732 |
| Net loans and leases to core deposits | 99.9000% | 1,571 |
| Total domestic deposits to total assets | 85.4333% | 2,330 |
| Equity capital to assets | 13.6986% | 1,210 |
| Core capital (leverage) ratio | 13.5543% | 1,037 |
| Tier 1 risk-based capital ratio | 18.9537% | 1,524 |
| Total risk-based capital ratio | 20.2048% | 1,492 |
| Memoranda: | ||
| Average total assets | $76,580,800 | 4,342 |
| Average earning assets | $71,554,400 | 4,323 |
| Average equity | $10,221,800 | 4,213 |
| Average total loans | $53,077,800 | 4,122 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 765 |
| Cost of funding earning assets | 0.3916% | 4,529 |
| Net interest margin | 4.9667% | 311 |
| Noninterest income to average assets | 0.2315% | 4,350 |
| Noninterest expense to average assets | 3.0698% | 1,781 |
| Loan and lease loss provision to assets | 0.1900% | 941 |
| Net operating income to assets | 1.2749% | 1,935 |
| Return on assets (ROA) | 1.2749% | 2,014 |
| Pretax return on assets | 1.5945% | 1,657 |
| Return on Equity (ROE) | 9.6122% | 2,617 |
| Retained earnings to average equity (ytd only) | 1.9927% | 4,271 |
| Net charge-offs to loans | 0.0499% | 2,117 |
| Credit loss provision to net charge-offs | 550.0000% | 586 |
| Earnings coverage of net charge-offs (x) | 51.6423% | 1,167 |
| Efficiency ratio | 63.2384% | 3,120 |
| Assets per employee ($millions) | 3.9778% | 3,936 |
| Cash dividends to net income (ytd only)* | 79.2679% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,246 |
| Loan loss allowance to noncurrent loans | 32.1696% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.7323% | 223 |
| Noncurrent loans to loans | 3.8784% | 186 |
| Net loans and leases to total assets | 67.5474% | 2,861 |
| Net loans and leases to deposits | 78.5364% | 3,049 |
| Net loans and leases to core deposits | 97.3995% | 1,862 |
| Total domestic deposits to total assets | 86.0078% | 1,993 |
| Equity capital to assets | 13.6442% | 1,295 |
| Core capital (leverage) ratio | 13.3319% | 1,200 |
| Tier 1 risk-based capital ratio | 19.6271% | 1,432 |
| Total risk-based capital ratio | 20.8752% | 1,402 |
| Memoranda: | ||
| Average total assets | $77,180,250 | 4,384 |
| Average earning assets | $71,836,000 | 4,370 |
| Average equity | $10,236,750 | 4,253 |
| Average total loans | $53,424,000 | 4,166 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 777 |
| Cost of funding earning assets | 0.3792% | 4,587 |
| Net interest margin | 4.9436% | 327 |
| Noninterest income to average assets | 0.2522% | 4,244 |
| Noninterest expense to average assets | 3.0033% | 1,998 |
| Loan and lease loss provision to assets | 0.2316% | 700 |
| Net operating income to assets | 1.2996% | 1,772 |
| Return on assets (ROA) | 1.2996% | 1,835 |
| Pretax return on assets | 1.6136% | 1,506 |
| Return on Equity (ROE) | 9.8906% | 2,445 |
| Retained earnings to average equity (ytd only) | 2.5461% | 3,927 |
| Net charge-offs to loans | 0.0778% | 1,586 |
| Credit loss provision to net charge-offs | 428.5714% | 669 |
| Earnings coverage of net charge-offs (x) | 34.1429% | 1,363 |
| Efficiency ratio | 61.9427% | 3,442 |
| Assets per employee ($millions) | 4.2813% | 3,460 |
| Cash dividends to net income (ytd only)* | 74.2574% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,920 |
| Loan loss allowance to noncurrent loans | 160.8247% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 2,296 |
| Noncurrent loans to loans | 0.7009% | 2,225 |
| Net loans and leases to total assets | 71.0224% | 2,379 |
| Net loans and leases to deposits | 82.2246% | 2,706 |
| Net loans and leases to core deposits | 99.0517% | 1,801 |
| Total domestic deposits to total assets | 86.3761% | 1,861 |
| Equity capital to assets | 13.3553% | 1,402 |
| Core capital (leverage) ratio | 13.0209% | 1,290 |
| Tier 1 risk-based capital ratio | 19.2528% | 1,495 |
| Total risk-based capital ratio | 20.4404% | 1,475 |
| Memoranda: | ||
| Average total assets | $77,714,330 | 4,414 |
| Average earning assets | $72,255,000 | 4,396 |
| Average equity | $10,211,670 | 4,274 |
| Average total loans | $54,000,000 | 4,176 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 1,020 |
| Cost of funding earning assets | 0.3700% | 4,603 |
| Net interest margin | 4.7719% | 429 |
| Noninterest income to average assets | 0.2922% | 3,922 |
| Noninterest expense to average assets | 2.9626% | 2,102 |
| Loan and lease loss provision to assets | 0.2050% | 775 |
| Net operating income to assets | 1.2455% | 1,908 |
| Return on assets (ROA) | 1.2455% | 1,952 |
| Pretax return on assets | 1.5530% | 1,605 |
| Return on Equity (ROE) | 9.5561% | 2,567 |
| Retained earnings to average equity (ytd only) | 2.2809% | 3,987 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7579% | 3,421 |
| Assets per employee ($millions) | 4.4166% | 3,306 |
| Cash dividends to net income (ytd only)* | 76.1317% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,192 |
| Loan loss allowance to noncurrent loans | 144.0678% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 2,306 |
| Noncurrent loans to loans | 0.7547% | 2,143 |
| Net loans and leases to total assets | 68.0860% | 2,748 |
| Net loans and leases to deposits | 78.3518% | 3,024 |
| Net loans and leases to core deposits | 93.6291% | 2,160 |
| Total domestic deposits to total assets | 86.8978% | 1,864 |
| Equity capital to assets | 12.8418% | 1,544 |
| Core capital (leverage) ratio | 13.3126% | 1,145 |
| Tier 1 risk-based capital ratio | 19.1506% | 1,518 |
| Total risk-based capital ratio | 20.2854% | 1,509 |
| Memoranda: | ||
| Average total assets | $78,040,000 | 4,456 |
| Average earning assets | $72,423,500 | 4,445 |
| Average equity | $10,171,500 | 4,305 |
| Average total loans | $53,322,000 | 4,234 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 1,805 |
| Cost of funding earning assets | 0.3114% | 4,510 |
| Net interest margin | 4.3945% | 949 |
| Noninterest income to average assets | 0.2237% | 4,586 |
| Noninterest expense to average assets | 2.9964% | 2,049 |
| Loan and lease loss provision to assets | 0.0650% | 2,849 |
| Net operating income to assets | 1.0560% | 2,775 |
| Return on assets (ROA) | 1.0560% | 2,764 |
| Pretax return on assets | 1.2732% | 2,601 |
| Return on Equity (ROE) | 7.9688% | 3,451 |
| Retained earnings to average equity (ytd only) | 0.1178% | 4,951 |
| Net charge-offs to loans | -0.0079% | 4,439 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1269% | 2,362 |
| Assets per employee ($millions) | 4.0306% | 3,853 |
| Cash dividends to net income (ytd only)* | 98.5222% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,277 |
| Loan loss allowance to noncurrent loans | 173.9812% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 2,490 |
| Noncurrent loans to loans | 0.6144% | 2,444 |
| Net loans and leases to total assets | 67.0745% | 2,992 |
| Net loans and leases to deposits | 77.5843% | 3,216 |
| Net loans and leases to core deposits | 93.7850% | 2,245 |
| Total domestic deposits to total assets | 86.4537% | 2,034 |
| Equity capital to assets | 13.2329% | 1,238 |
| Core capital (leverage) ratio | 13.0732% | 1,216 |
| Tier 1 risk-based capital ratio | 19.9786% | 1,313 |
| Total risk-based capital ratio | 21.0902% | 1,305 |
| Memoranda: | ||
| Average total assets | $76,891,800 | 4,487 |
| Average earning assets | $71,931,400 | 4,457 |
| Average equity | $10,189,800 | 4,277 |
| Average total loans | $50,374,200 | 4,311 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 2,097 |
| Cost of funding earning assets | 0.2906% | 4,586 |
| Net interest margin | 4.2715% | 1,181 |
| Noninterest income to average assets | 0.2304% | 4,589 |
| Noninterest expense to average assets | 2.8929% | 2,324 |
| Loan and lease loss provision to assets | 0.0347% | 3,317 |
| Net operating income to assets | 1.0879% | 2,721 |
| Return on assets (ROA) | 1.0879% | 2,727 |
| Pretax return on assets | 1.3009% | 2,627 |
| Return on Equity (ROE) | 8.2059% | 3,465 |
| Retained earnings to average equity (ytd only) | 2.0515% | 4,568 |
| Net charge-offs to loans | 0.0053% | 3,245 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 385.0075% | 247 |
| Efficiency ratio | 68.4146% | 2,459 |
| Assets per employee ($millions) | 4.0602% | 3,796 |
| Cash dividends to net income (ytd only)* | 74.9997% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,575 |
| Loan loss allowance to noncurrent loans | 63.0620% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2535% | 1,109 |
| Noncurrent loans to loans | 1.6368% | 965 |
| Net loans and leases to total assets | 64.5075% | 3,363 |
| Net loans and leases to deposits | 74.6520% | 3,536 |
| Net loans and leases to core deposits | 89.4471% | 2,707 |
| Total domestic deposits to total assets | 86.4110% | 2,009 |
| Equity capital to assets | 13.2922% | 1,212 |
| Core capital (leverage) ratio | 13.4346% | 1,125 |
| Tier 1 risk-based capital ratio | 20.8062% | 1,212 |
| Total risk-based capital ratio | 21.8743% | 1,210 |
| Memoranda: | ||
| Average total assets | $76,969,250 | 4,531 |
| Average earning assets | $72,042,000 | 4,503 |
| Average equity | $10,203,750 | 4,318 |
| Average total loans | $49,987,250 | 4,361 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 1,971 |
| Cost of funding earning assets | 0.3028% | 4,395 |
| Net interest margin | 4.2343% | 1,202 |
| Noninterest income to average assets | 0.2444% | 4,545 |
| Noninterest expense to average assets | 2.8994% | 2,359 |
| Loan and lease loss provision to assets | 0.0520% | 2,876 |
| Net operating income to assets | 1.0090% | 2,977 |
| Return on assets (ROA) | 1.0090% | 2,980 |
| Pretax return on assets | 1.2560% | 2,699 |
| Return on Equity (ROE) | 7.6176% | 3,667 |
| Retained earnings to average equity (ytd only) | 1.4528% | 4,651 |
| Net charge-offs to loans | 0.0080% | 2,840 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 251.5000% | 353 |
| Efficiency ratio | 68.9122% | 2,503 |
| Assets per employee ($millions) | 4.1851% | 3,601 |
| Cash dividends to net income (ytd only)* | 80.9278% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,140 |
| Loan loss allowance to noncurrent loans | 144.9721% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 2,239 |
| Noncurrent loans to loans | 0.7741% | 2,189 |
| Net loans and leases to total assets | 60.7046% | 3,741 |
| Net loans and leases to deposits | 70.4167% | 3,822 |
| Net loans and leases to core deposits | 75.6318% | 3,768 |
| Total domestic deposits to total assets | 86.2077% | 2,187 |
| Equity capital to assets | 13.5507% | 1,084 |
| Core capital (leverage) ratio | 13.2188% | 1,154 |
| Tier 1 risk-based capital ratio | 21.8526% | 1,054 |
| Total risk-based capital ratio | 22.9836% | 1,048 |
| Memoranda: | ||
| Average total assets | $76,911,330 | 4,571 |
| Average earning assets | $71,984,330 | 4,550 |
| Average equity | $10,187,000 | 4,357 |
| Average total loans | $49,889,000 | 4,406 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 2,278 |
| Cost of funding earning assets | 0.2862% | 4,448 |
| Net interest margin | 4.0891% | 1,468 |
| Noninterest income to average assets | 0.2831% | 4,279 |
| Noninterest expense to average assets | 2.8623% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0244% | 2,756 |
| Return on assets (ROA) | 1.0244% | 2,775 |
| Pretax return on assets | 1.2458% | 2,572 |
| Return on Equity (ROE) | 7.8219% | 3,457 |
| Retained earnings to average equity (ytd only) | 1.6509% | 4,448 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6742% | 2,531 |
| Assets per employee ($millions) | 4.0290% | 3,930 |
| Cash dividends to net income (ytd only)* | 78.8945% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 4,057 |
| Loan loss allowance to noncurrent loans | 168.1208% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 2,695 |
| Noncurrent loans to loans | 0.5835% | 2,792 |
| Net loans and leases to total assets | 62.7583% | 3,452 |
| Net loans and leases to deposits | 72.0278% | 3,598 |
| Net loans and leases to core deposits | 76.9289% | 3,588 |
| Total domestic deposits to total assets | 87.1306% | 2,073 |
| Equity capital to assets | 12.6323% | 1,414 |
| Core capital (leverage) ratio | 13.4893% | 1,013 |
| Tier 1 risk-based capital ratio | 19.8057% | 1,380 |
| Total risk-based capital ratio | 20.7988% | 1,397 |
| Memoranda: | ||
| Average total assets | $77,701,000 | 4,611 |
| Average earning assets | $72,681,500 | 4,582 |
| Average equity | $10,176,500 | 4,403 |
| Average total loans | $51,709,000 | 4,404 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 1,917 |
| Cost of funding earning assets | 0.2858% | 4,268 |
| Net interest margin | 4.1527% | 1,295 |
| Noninterest income to average assets | 0.4992% | 3,005 |
| Noninterest expense to average assets | 3.0164% | 2,127 |
| Loan and lease loss provision to assets | 0.1255% | 1,825 |
| Net operating income to assets | 0.7739% | 3,280 |
| Return on assets (ROA) | 0.7739% | 3,323 |
| Pretax return on assets | 1.2150% | 2,710 |
| Return on Equity (ROE) | 5.7493% | 3,855 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,012 |
| Net charge-offs to loans | 0.2851% | 926 |
| Credit loss provision to net charge-offs | 67.3759% | 3,125 |
| Earnings coverage of net charge-offs (x) | 7.1986% | 3,075 |
| Efficiency ratio | 69.2331% | 2,664 |
| Assets per employee ($millions) | 4.1568% | 3,727 |
| Cash dividends to net income (ytd only)* | 100.0000% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,175 |
| Loan loss allowance to noncurrent loans | 125.8794% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 2,158 |
| Noncurrent loans to loans | 0.7603% | 2,302 |
| Net loans and leases to total assets | 69.2915% | 2,633 |
| Net loans and leases to deposits | 80.7168% | 2,843 |
| Net loans and leases to core deposits | 86.7512% | 2,851 |
| Total domestic deposits to total assets | 85.8453% | 2,510 |
| Equity capital to assets | 13.5974% | 1,021 |
| Core capital (leverage) ratio | 13.2633% | 1,053 |
| Tier 1 risk-based capital ratio | 18.8989% | 1,527 |
| Total risk-based capital ratio | 19.8505% | 1,568 |
| Memoranda: | ||
| Average total assets | $75,718,200 | 4,674 |
| Average earning assets | $70,339,600 | 4,659 |
| Average equity | $10,192,600 | 4,421 |
| Average total loans | $49,461,200 | 4,474 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,083 |
| Cost of funding earning assets | 0.2821% | 4,298 |
| Net interest margin | 4.0760% | 1,463 |
| Noninterest income to average assets | 0.5829% | 2,570 |
| Noninterest expense to average assets | 2.9566% | 2,227 |
| Loan and lease loss provision to assets | 0.1404% | 1,510 |
| Net operating income to assets | 0.8778% | 3,140 |
| Return on assets (ROA) | 0.8778% | 3,186 |
| Pretax return on assets | 1.2658% | 2,644 |
| Return on Equity (ROE) | 6.5375% | 3,895 |
| Retained earnings to average equity (ytd only) | 0.2484% | 5,164 |
| Net charge-offs to loans | 0.2872% | 748 |
| Credit loss provision to net charge-offs | 76.1905% | 2,632 |
| Earnings coverage of net charge-offs (x) | 7.6284% | 2,855 |
| Efficiency ratio | 67.7666% | 2,920 |
| Assets per employee ($millions) | 4.0412% | 3,915 |
| Cash dividends to net income (ytd only)* | 96.2004% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,041 |
| Loan loss allowance to noncurrent loans | 117.8330% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 2,161 |
| Noncurrent loans to loans | 0.8503% | 2,238 |
| Net loans and leases to total assets | 67.1733% | 2,958 |
| Net loans and leases to deposits | 77.8862% | 3,178 |
| Net loans and leases to core deposits | 83.5269% | 3,175 |
| Total domestic deposits to total assets | 86.2455% | 2,213 |
| Equity capital to assets | 13.3404% | 1,230 |
| Core capital (leverage) ratio | 13.1528% | 1,146 |
| Tier 1 risk-based capital ratio | 19.1569% | 1,543 |
| Total risk-based capital ratio | 20.1596% | 1,573 |
| Memoranda: | ||
| Average total assets | $75,942,000 | 4,714 |
| Average earning assets | $70,426,500 | 4,706 |
| Average equity | $10,197,250 | 4,463 |
| Average total loans | $48,739,750 | 4,536 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 2,172 |
| Cost of funding earning assets | 0.2804% | 4,284 |
| Net interest margin | 4.0086% | 1,575 |
| Noninterest income to average assets | 0.3410% | 4,113 |
| Noninterest expense to average assets | 2.9632% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7904% | 3,441 |
| Return on assets (ROA) | 0.7904% | 3,499 |
| Pretax return on assets | 1.0811% | 3,257 |
| Return on Equity (ROE) | 5.8731% | 4,102 |
| Retained earnings to average equity (ytd only) | -0.1375% | 5,094 |
| Net charge-offs to loans | 0.4410% | 456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.8952% | 2,994 |
| Efficiency ratio | 73.2680% | 2,137 |
| Assets per employee ($millions) | 4.0058% | 3,947 |
| Cash dividends to net income (ytd only)* | 102.3411% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,563 |
| Loan loss allowance to noncurrent loans | 97.1429% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.9721% | 652 |
| Noncurrent loans to loans | 0.9457% | 2,070 |
| Net loans and leases to total assets | 62.6357% | 3,558 |
| Net loans and leases to deposits | 72.6342% | 3,677 |
| Net loans and leases to core deposits | 78.2894% | 3,568 |
| Total domestic deposits to total assets | 86.2344% | 2,281 |
| Equity capital to assets | 13.4437% | 1,170 |
| Core capital (leverage) ratio | 13.0032% | 1,173 |
| Tier 1 risk-based capital ratio | 20.5668% | 1,264 |
| Total risk-based capital ratio | 21.4828% | 1,291 |
| Memoranda: | ||
| Average total assets | $75,662,000 | 4,748 |
| Average earning assets | $69,900,330 | 4,750 |
| Average equity | $10,182,000 | 4,482 |
| Average total loans | $47,620,000 | 4,592 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 1,983 |
| Cost of funding earning assets | 0.2749% | 4,305 |
| Net interest margin | 4.0148% | 1,435 |
| Noninterest income to average assets | 0.3977% | 3,677 |
| Noninterest expense to average assets | 2.9322% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8537% | 2,973 |
| Return on assets (ROA) | 0.8537% | 3,017 |
| Pretax return on assets | 1.1824% | 2,673 |
| Return on Equity (ROE) | 6.3405% | 3,744 |
| Retained earnings to average equity (ytd only) | 0.3151% | 4,843 |
| Net charge-offs to loans | -0.0929% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2629% | 2,691 |
| Assets per employee ($millions) | 4.0532% | 3,922 |
| Cash dividends to net income (ytd only)* | 95.0311% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,376 |
| Loan loss allowance to noncurrent loans | 124.2762% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.9413% | 690 |
| Noncurrent loans to loans | 0.9309% | 2,178 |
| Net loans and leases to total assets | 61.9041% | 3,548 |
| Net loans and leases to deposits | 71.5789% | 3,646 |
| Net loans and leases to core deposits | 77.0585% | 3,559 |
| Total domestic deposits to total assets | 86.4837% | 2,452 |
| Equity capital to assets | 13.2371% | 1,168 |
| Core capital (leverage) ratio | 13.6188% | 938 |
| Tier 1 risk-based capital ratio | 20.6580% | 1,276 |
| Total risk-based capital ratio | 21.8141% | 1,263 |
| Memoranda: | ||
| Average total assets | $75,438,000 | 4,806 |
| Average earning assets | $69,841,500 | 4,790 |
| Average equity | $10,157,000 | 4,518 |
| Average total loans | $47,373,000 | 4,640 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,139 |
| Cost of funding earning assets | 0.3045% | 4,023 |
| Net interest margin | 3.9948% | 1,644 |
| Noninterest income to average assets | 0.6662% | 2,338 |
| Noninterest expense to average assets | 2.8888% | 2,715 |
| Loan and lease loss provision to assets | -0.0773% | 5,645 |
| Net operating income to assets | 1.0785% | 1,994 |
| Return on assets (ROA) | 1.0785% | 2,096 |
| Pretax return on assets | 1.5230% | 1,515 |
| Return on Equity (ROE) | 8.1436% | 2,864 |
| Retained earnings to average equity (ytd only) | 0.0681% | 5,283 |
| Net charge-offs to loans | -0.1395% | 5,666 |
| Credit loss provision to net charge-offs | 85.7143% | 2,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6468% | 3,489 |
| Assets per employee ($millions) | 3.8876% | 4,165 |
| Cash dividends to net income (ytd only)* | 99.1637% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,270 |
| Loan loss allowance to noncurrent loans | 77.4788% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.9874% | 694 |
| Noncurrent loans to loans | 1.5178% | 1,317 |
| Net loans and leases to total assets | 62.2325% | 3,583 |
| Net loans and leases to deposits | 72.3963% | 3,672 |
| Net loans and leases to core deposits | 78.5643% | 3,526 |
| Total domestic deposits to total assets | 85.9609% | 2,601 |
| Equity capital to assets | 13.7007% | 982 |
| Core capital (leverage) ratio | 13.4079% | 1,000 |
| Tier 1 risk-based capital ratio | 21.7400% | 1,114 |
| Total risk-based capital ratio | 22.9339% | 1,098 |
| Memoranda: | ||
| Average total assets | $77,609,000 | 4,776 |
| Average earning assets | $71,268,200 | 4,775 |
| Average equity | $10,278,000 | 4,522 |
| Average total loans | $50,167,400 | 4,568 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,049 |
| Cost of funding earning assets | 0.3166% | 3,910 |
| Net interest margin | 4.0196% | 1,596 |
| Noninterest income to average assets | 0.7333% | 2,031 |
| Noninterest expense to average assets | 2.8365% | 2,884 |
| Loan and lease loss provision to assets | -0.1019% | 5,793 |
| Net operating income to assets | 1.2035% | 1,637 |
| Return on assets (ROA) | 1.2035% | 1,728 |
| Pretax return on assets | 1.6839% | 1,160 |
| Return on Equity (ROE) | 9.1622% | 2,416 |
| Retained earnings to average equity (ytd only) | 0.0517% | 5,331 |
| Net charge-offs to loans | -0.3602% | 5,853 |
| Credit loss provision to net charge-offs | 43.4783% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1952% | 3,897 |
| Assets per employee ($millions) | 4.2677% | 3,470 |
| Cash dividends to net income (ytd only)* | 99.4362% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,854 |
| Loan loss allowance to noncurrent loans | 148.9104% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.5296% | 1,162 |
| Noncurrent loans to loans | 0.8515% | 2,550 |
| Net loans and leases to total assets | 62.3409% | 3,608 |
| Net loans and leases to deposits | 72.2842% | 3,777 |
| Net loans and leases to core deposits | 78.1721% | 3,650 |
| Total domestic deposits to total assets | 86.2441% | 2,240 |
| Equity capital to assets | 13.3289% | 1,332 |
| Core capital (leverage) ratio | 13.4418% | 1,020 |
| Tier 1 risk-based capital ratio | 21.1182% | 1,246 |
| Total risk-based capital ratio | 22.3683% | 1,223 |
| Memoranda: | ||
| Average total assets | $78,545,000 | 4,792 |
| Average earning assets | $72,011,500 | 4,796 |
| Average equity | $10,317,500 | 4,566 |
| Average total loans | $51,080,500 | 4,583 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 1,782 |
| Cost of funding earning assets | 0.3420% | 3,652 |
| Net interest margin | 4.0738% | 1,437 |
| Noninterest income to average assets | 0.9732% | 1,193 |
| Noninterest expense to average assets | 2.8336% | 2,904 |
| Loan and lease loss provision to assets | -0.1517% | 5,915 |
| Net operating income to assets | 1.4964% | 899 |
| Return on assets (ROA) | 1.4964% | 941 |
| Pretax return on assets | 2.0248% | 545 |
| Return on Equity (ROE) | 11.4466% | 1,495 |
| Retained earnings to average equity (ytd only) | 2.3589% | 4,377 |
| Net charge-offs to loans | -0.5545% | 5,952 |
| Credit loss provision to net charge-offs | 41.6667% | 2,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2041% | 4,616 |
| Assets per employee ($millions) | 4.0204% | 3,864 |
| Cash dividends to net income (ytd only)* | 79.3919% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,950 |
| Loan loss allowance to noncurrent loans | 383.3333% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2768% | 1,596 |
| Noncurrent loans to loans | 0.3315% | 4,177 |
| Net loans and leases to total assets | 66.6727% | 2,985 |
| Net loans and leases to deposits | 78.2196% | 3,134 |
| Net loans and leases to core deposits | 84.7142% | 3,014 |
| Total domestic deposits to total assets | 85.2377% | 2,765 |
| Equity capital to assets | 14.3684% | 911 |
| Core capital (leverage) ratio | 13.4572% | 999 |
| Tier 1 risk-based capital ratio | 21.4227% | 1,207 |
| Total risk-based capital ratio | 22.6720% | 1,186 |
| Memoranda: | ||
| Average total assets | $79,120,670 | 4,836 |
| Average earning assets | $72,512,000 | 4,831 |
| Average equity | $10,343,670 | 4,592 |
| Average total loans | $51,939,330 | 4,587 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 1,459 |
| Cost of funding earning assets | 0.3390% | 3,727 |
| Net interest margin | 4.1797% | 1,146 |
| Noninterest income to average assets | 1.3916% | 572 |
| Noninterest expense to average assets | 2.7492% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9734% | 355 |
| Return on assets (ROA) | 1.9734% | 374 |
| Pretax return on assets | 2.4680% | 252 |
| Return on Equity (ROE) | 15.7805% | 560 |
| Retained earnings to average equity (ytd only) | 6.6689% | 2,048 |
| Net charge-offs to loans | -1.0772% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6952% | 5,469 |
| Assets per employee ($millions) | 4.9009% | 2,455 |
| Cash dividends to net income (ytd only)* | 57.7396% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 2,874 |
| Loan loss allowance to noncurrent loans | 152.3490% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4703% | 1,399 |
| Noncurrent loans to loans | 0.8560% | 2,708 |
| Net loans and leases to total assets | 61.8561% | 3,550 |
| Net loans and leases to deposits | 71.9234% | 3,656 |
| Net loans and leases to core deposits | 76.9999% | 3,589 |
| Total domestic deposits to total assets | 86.0027% | 2,667 |
| Equity capital to assets | 12.5006% | 1,680 |
| Core capital (leverage) ratio | 12.3527% | 1,408 |
| Tier 1 risk-based capital ratio | 20.1154% | 1,476 |
| Total risk-based capital ratio | 21.3651% | 1,455 |
| Memoranda: | ||
| Average total assets | $82,497,500 | 4,799 |
| Average earning assets | $75,507,000 | 4,818 |
| Average equity | $10,316,500 | 4,614 |
| Average total loans | $53,474,000 | 4,573 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 1,164 |
| Cost of funding earning assets | 0.3493% | 3,706 |
| Net interest margin | 4.3257% | 915 |
| Noninterest income to average assets | 0.3132% | 4,651 |
| Noninterest expense to average assets | 2.8005% | 3,225 |
| Loan and lease loss provision to assets | 0.2579% | 730 |
| Net operating income to assets | 0.8279% | 3,206 |
| Return on assets (ROA) | 0.8279% | 3,281 |
| Pretax return on assets | 1.1484% | 2,850 |
| Return on Equity (ROE) | 6.5980% | 3,735 |
| Retained earnings to average equity (ytd only) | 0.0098% | 5,502 |
| Net charge-offs to loans | 0.6134% | 395 |
| Credit loss provision to net charge-offs | 62.3145% | 3,236 |
| Earnings coverage of net charge-offs (x) | 3.3976% | 3,735 |
| Efficiency ratio | 66.5693% | 3,817 |
| Assets per employee ($millions) | 4.2989% | 3,383 |
| Cash dividends to net income (ytd only)* | 99.8516% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 4,709 |
| Loan loss allowance to noncurrent loans | 139.1192% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 1,339 |
| Noncurrent loans to loans | 0.7053% | 3,078 |
| Net loans and leases to total assets | 66.3500% | 2,937 |
| Net loans and leases to deposits | 77.1884% | 3,140 |
| Net loans and leases to core deposits | 82.7503% | 3,072 |
| Total domestic deposits to total assets | 85.9584% | 2,660 |
| Equity capital to assets | 12.5099% | 1,619 |
| Core capital (leverage) ratio | 12.2828% | 1,463 |
| Tier 1 risk-based capital ratio | 18.5962% | 1,810 |
| Total risk-based capital ratio | 19.5997% | 1,821 |
| Memoranda: | ||
| Average total assets | $81,414,800 | 4,836 |
| Average earning assets | $73,283,200 | 4,873 |
| Average equity | $10,215,200 | 4,615 |
| Average total loans | $54,943,200 | 4,530 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,108 |
| Cost of funding earning assets | 0.3491% | 3,763 |
| Net interest margin | 4.3475% | 877 |
| Noninterest income to average assets | 0.3163% | 4,677 |
| Noninterest expense to average assets | 2.7945% | 3,208 |
| Loan and lease loss provision to assets | 0.2131% | 900 |
| Net operating income to assets | 0.8195% | 3,340 |
| Return on assets (ROA) | 0.8195% | 3,426 |
| Pretax return on assets | 1.2276% | 2,702 |
| Return on Equity (ROE) | 6.5265% | 3,889 |
| Retained earnings to average equity (ytd only) | 0.1566% | 5,559 |
| Net charge-offs to loans | 0.4485% | 568 |
| Credit loss provision to net charge-offs | 70.2703% | 2,764 |
| Earnings coverage of net charge-offs (x) | 4.7514% | 3,303 |
| Efficiency ratio | 65.9830% | 3,894 |
| Assets per employee ($millions) | 4.3240% | 3,281 |
| Cash dividends to net income (ytd only)* | 97.5999% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 4,019 |
| Loan loss allowance to noncurrent loans | 107.5972% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 1,244 |
| Noncurrent loans to loans | 1.0563% | 2,370 |
| Net loans and leases to total assets | 64.4798% | 3,231 |
| Net loans and leases to deposits | 74.9904% | 3,423 |
| Net loans and leases to core deposits | 80.3513% | 3,400 |
| Total domestic deposits to total assets | 85.9840% | 2,524 |
| Equity capital to assets | 12.4495% | 1,770 |
| Core capital (leverage) ratio | 12.4754% | 1,431 |
| Tier 1 risk-based capital ratio | 19.1007% | 1,748 |
| Total risk-based capital ratio | 20.2665% | 1,741 |
| Memoranda: | ||
| Average total assets | $81,348,750 | 4,894 |
| Average earning assets | $73,327,000 | 4,929 |
| Average equity | $10,214,500 | 4,672 |
| Average total loans | $54,996,250 | 4,576 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,133 |
| Cost of funding earning assets | 0.3510% | 3,796 |
| Net interest margin | 4.3166% | 889 |
| Noninterest income to average assets | 0.2763% | 4,973 |
| Noninterest expense to average assets | 2.7898% | 3,271 |
| Loan and lease loss provision to assets | 0.2467% | 718 |
| Net operating income to assets | 0.8263% | 3,235 |
| Return on assets (ROA) | 0.8263% | 3,351 |
| Pretax return on assets | 1.1224% | 3,082 |
| Return on Equity (ROE) | 6.5622% | 3,850 |
| Retained earnings to average equity (ytd only) | 0.4310% | 5,372 |
| Net charge-offs to loans | 0.6671% | 343 |
| Credit loss provision to net charge-offs | 54.0541% | 2,657 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,258 |
| Efficiency ratio | 67.0819% | 3,821 |
| Assets per employee ($millions) | 4.0092% | 3,867 |
| Cash dividends to net income (ytd only)* | 93.4328% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 4,642 |
| Loan loss allowance to noncurrent loans | 136.5566% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.6375% | 1,467 |
| Noncurrent loans to loans | 0.7638% | 3,206 |
| Net loans and leases to total assets | 68.5095% | 2,567 |
| Net loans and leases to deposits | 79.7958% | 2,819 |
| Net loans and leases to core deposits | 85.6535% | 2,802 |
| Total domestic deposits to total assets | 85.8561% | 2,769 |
| Equity capital to assets | 12.7159% | 1,535 |
| Core capital (leverage) ratio | 12.4021% | 1,432 |
| Tier 1 risk-based capital ratio | 18.8099% | 1,839 |
| Total risk-based capital ratio | 19.9010% | 1,845 |
| Memoranda: | ||
| Average total assets | $81,079,670 | 4,951 |
| Average earning assets | $72,928,000 | 4,987 |
| Average equity | $10,210,000 | 4,696 |
| Average total loans | $55,467,330 | 4,600 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 1,655 |
| Cost of funding earning assets | 0.3496% | 3,864 |
| Net interest margin | 4.0808% | 1,331 |
| Noninterest income to average assets | 0.2797% | 4,941 |
| Noninterest expense to average assets | 2.7671% | 3,355 |
| Loan and lease loss provision to assets | 0.2453% | 681 |
| Net operating income to assets | 0.6623% | 3,993 |
| Return on assets (ROA) | 0.6623% | 4,117 |
| Pretax return on assets | 0.9322% | 3,774 |
| Return on Equity (ROE) | 5.2853% | 4,389 |
| Retained earnings to average equity (ytd only) | -0.8613% | 5,527 |
| Net charge-offs to loans | -0.0577% | 5,591 |
| Credit loss provision to net charge-offs | -625.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1493% | 3,464 |
| Assets per employee ($millions) | 4.3486% | 3,291 |
| Cash dividends to net income (ytd only)* | 116.2963% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 3,382 |
| Loan loss allowance to noncurrent loans | 32.3912% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 3.7737% | 414 |
| Noncurrent loans to loans | 4.0243% | 436 |
| Net loans and leases to total assets | 66.1636% | 2,742 |
| Net loans and leases to deposits | 76.6879% | 2,970 |
| Net loans and leases to core deposits | 82.1035% | 2,955 |
| Total domestic deposits to total assets | 86.2764% | 2,782 |
| Equity capital to assets | 12.3693% | 1,774 |
| Core capital (leverage) ratio | 12.1815% | 1,522 |
| Tier 1 risk-based capital ratio | 18.6770% | 1,954 |
| Total risk-based capital ratio | 19.9289% | 1,909 |
| Memoranda: | ||
| Average total assets | $81,528,000 | 4,998 |
| Average earning assets | $73,221,000 | 5,022 |
| Average equity | $10,217,000 | 4,733 |
| Average total loans | $55,445,000 | 4,628 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 2,881 |
| Cost of funding earning assets | 0.3683% | 4,055 |
| Net interest margin | 3.8526% | 2,418 |
| Noninterest income to average assets | 0.6928% | 2,336 |
| Noninterest expense to average assets | 2.8373% | 3,353 |
| Loan and lease loss provision to assets | 0.1958% | 1,305 |
| Net operating income to assets | 0.8250% | 3,254 |
| Return on assets (ROA) | 0.8250% | 3,347 |
| Pretax return on assets | 1.1041% | 3,067 |
| Return on Equity (ROE) | 6.6496% | 3,814 |
| Retained earnings to average equity (ytd only) | -0.2565% | 5,811 |
| Net charge-offs to loans | 0.4960% | 831 |
| Credit loss provision to net charge-offs | 64.0000% | 3,207 |
| Earnings coverage of net charge-offs (x) | 4.2480% | 3,702 |
| Efficiency ratio | 68.5799% | 3,795 |
| Assets per employee ($millions) | 4.7313% | 2,684 |
| Cash dividends to net income (ytd only)* | 103.8576% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 4,023 |
| Loan loss allowance to noncurrent loans | 49.1852% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 2.7837% | 776 |
| Noncurrent loans to loans | 2.4324% | 1,062 |
| Net loans and leases to total assets | 68.1781% | 2,529 |
| Net loans and leases to deposits | 79.3245% | 2,803 |
| Net loans and leases to core deposits | 85.4425% | 2,739 |
| Total domestic deposits to total assets | 85.9484% | 2,872 |
| Equity capital to assets | 12.6989% | 1,540 |
| Core capital (leverage) ratio | 12.4111% | 1,395 |
| Tier 1 risk-based capital ratio | 18.9142% | 1,874 |
| Total risk-based capital ratio | 20.1636% | 1,835 |
| Memoranda: | ||
| Average total assets | $81,696,000 | 5,024 |
| Average earning assets | $73,041,200 | 5,069 |
| Average equity | $10,136,000 | 4,728 |
| Average total loans | $50,405,400 | 4,805 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 3,289 |
| Cost of funding earning assets | 0.3714% | 4,114 |
| Net interest margin | 3.7503% | 2,811 |
| Noninterest income to average assets | 0.8112% | 1,848 |
| Noninterest expense to average assets | 2.8012% | 3,450 |
| Loan and lease loss provision to assets | 0.0975% | 2,415 |
| Net operating income to assets | 0.9673% | 2,608 |
| Return on assets (ROA) | 0.9673% | 2,675 |
| Pretax return on assets | 1.2616% | 2,527 |
| Return on Equity (ROE) | 7.8417% | 3,291 |
| Retained earnings to average equity (ytd only) | -0.0659% | 5,805 |
| Net charge-offs to loans | 0.5563% | 685 |
| Credit loss provision to net charge-offs | 29.2683% | 3,461 |
| Earnings coverage of net charge-offs (x) | 4.0780% | 3,541 |
| Efficiency ratio | 67.3310% | 3,984 |
| Assets per employee ($millions) | 4.5512% | 2,880 |
| Cash dividends to net income (ytd only)* | 100.8408% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 4,460 |
| Loan loss allowance to noncurrent loans | 134.4371% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.7248% | 1,740 |
| Noncurrent loans to loans | 0.8610% | 3,417 |
| Net loans and leases to total assets | 63.4787% | 3,268 |
| Net loans and leases to deposits | 73.8239% | 3,453 |
| Net loans and leases to core deposits | 80.0440% | 3,306 |
| Total domestic deposits to total assets | 85.9867% | 2,849 |
| Equity capital to assets | 12.5095% | 1,695 |
| Core capital (leverage) ratio | 12.2943% | 1,514 |
| Tier 1 risk-based capital ratio | 19.9921% | 1,676 |
| Total risk-based capital ratio | 21.2110% | 1,654 |
| Memoranda: | ||
| Average total assets | $82,012,000 | 5,065 |
| Average earning assets | $73,237,250 | 5,116 |
| Average equity | $10,116,500 | 4,760 |
| Average total loans | $49,131,500 | 4,897 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 3,539 |
| Cost of funding earning assets | 0.3714% | 4,192 |
| Net interest margin | 3.6787% | 3,037 |
| Noninterest income to average assets | 1.0848% | 1,013 |
| Noninterest expense to average assets | 2.8132% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2555% | 1,431 |
| Return on assets (ROA) | 1.2555% | 1,494 |
| Pretax return on assets | 1.5553% | 1,380 |
| Return on Equity (ROE) | 10.2257% | 2,045 |
| Retained earnings to average equity (ytd only) | -1.6877% | 5,946 |
| Net charge-offs to loans | 0.6254% | 623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.2533% | 3,146 |
| Efficiency ratio | 64.3973% | 4,631 |
| Assets per employee ($millions) | 4.6254% | 2,734 |
| Cash dividends to net income (ytd only)* | 116.5049% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,321 |
| Loan loss allowance to noncurrent loans | 52.1589% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.5439% | 1,100 |
| Noncurrent loans to loans | 2.3427% | 1,369 |
| Net loans and leases to total assets | 58.6454% | 3,909 |
| Net loans and leases to deposits | 67.8369% | 4,070 |
| Net loans and leases to core deposits | 73.4130% | 3,897 |
| Total domestic deposits to total assets | 86.4506% | 2,790 |
| Equity capital to assets | 12.1586% | 1,878 |
| Core capital (leverage) ratio | 12.0873% | 1,612 |
| Tier 1 risk-based capital ratio | 20.8250% | 1,482 |
| Total risk-based capital ratio | 22.0756% | 1,461 |
| Memoranda: | ||
| Average total assets | $82,042,000 | 5,110 |
| Average earning assets | $73,231,670 | 5,157 |
| Average equity | $10,072,670 | 4,785 |
| Average total loans | $47,971,330 | 4,963 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 4,081 |
| Cost of funding earning assets | 0.3747% | 4,256 |
| Net interest margin | 3.5269% | 3,582 |
| Noninterest income to average assets | 1.9550% | 347 |
| Noninterest expense to average assets | 2.8538% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0434% | 311 |
| Return on assets (ROA) | 2.0434% | 325 |
| Pretax return on assets | 2.2448% | 333 |
| Return on Equity (ROE) | 16.5613% | 582 |
| Retained earnings to average equity (ytd only) | -7.3252% | 6,257 |
| Net charge-offs to loans | 1.2023% | 280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.2183% | 2,720 |
| Efficiency ratio | 55.9730% | 5,840 |
| Assets per employee ($millions) | 4.3061% | 3,327 |
| Cash dividends to net income (ytd only)* | 144.2308% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 4,229 |
| Loan loss allowance to noncurrent loans | 40.8272% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 3.0471% | 930 |
| Noncurrent loans to loans | 3.1327% | 996 |
| Net loans and leases to total assets | 57.7376% | 3,892 |
| Net loans and leases to deposits | 66.8015% | 3,995 |
| Net loans and leases to core deposits | 72.3910% | 3,833 |
| Total domestic deposits to total assets | 86.4316% | 3,145 |
| Equity capital to assets | 12.1750% | 1,761 |
| Core capital (leverage) ratio | 12.1660% | 1,561 |
| Tier 1 risk-based capital ratio | 20.8691% | 1,498 |
| Total risk-based capital ratio | 22.1199% | 1,472 |
| Memoranda: | ||
| Average total assets | $81,434,000 | 5,175 |
| Average earning assets | $72,585,000 | 5,215 |
| Average equity | $10,047,500 | 4,805 |
| Average total loans | $47,241,500 | 5,036 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9752% | 4,172 |
| Cost of funding earning assets | 0.4021% | 4,626 |
| Net interest margin | 3.5730% | 3,589 |
| Noninterest income to average assets | 0.2465% | 5,578 |
| Noninterest expense to average assets | 2.9565% | 3,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3765% | 5,237 |
| Return on assets (ROA) | 0.3765% | 5,352 |
| Pretax return on assets | 0.4484% | 5,367 |
| Return on Equity (ROE) | 3.0307% | 5,497 |
| Retained earnings to average equity (ytd only) | 3.0307% | 4,075 |
| Net charge-offs to loans | 0.2229% | 2,678 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.5490% | 3,826 |
| Efficiency ratio | 86.8316% | 1,330 |
| Assets per employee ($millions) | 4.2659% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 2,694 |
| Loan loss allowance to noncurrent loans | 28.8116% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 5.0634% | 461 |
| Noncurrent loans to loans | 5.6119% | 395 |
| Net loans and leases to total assets | 56.6037% | 4,240 |
| Net loans and leases to deposits | 65.7358% | 4,328 |
| Net loans and leases to core deposits | 71.3071% | 4,151 |
| Total domestic deposits to total assets | 86.1079% | 3,198 |
| Equity capital to assets | 12.5029% | 1,507 |
| Core capital (leverage) ratio | 12.1618% | 1,513 |
| Tier 1 risk-based capital ratio | 21.6555% | 1,307 |
| Total risk-based capital ratio | 22.9109% | 1,287 |
| Memoranda: | ||
| Average total assets | $80,737,000 | 5,222 |
| Average earning assets | $71,368,200 | 5,271 |
| Average equity | $10,030,600 | 4,840 |
| Average total loans | $45,763,600 | 5,123 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 3,897 |
| Cost of funding earning assets | 0.4017% | 4,808 |
| Net interest margin | 3.6582% | 3,202 |
| Noninterest income to average assets | 0.3521% | 4,877 |
| Noninterest expense to average assets | 2.9110% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5521% | 4,581 |
| Return on assets (ROA) | 0.5521% | 4,723 |
| Pretax return on assets | 0.6629% | 4,813 |
| Return on Equity (ROE) | 4.4511% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.4511% | 3,502 |
| Net charge-offs to loans | 0.4479% | 1,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.6210% | 3,963 |
| Efficiency ratio | 81.4524% | 1,907 |
| Assets per employee ($millions) | 4.5232% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 2,877 |
| Loan loss allowance to noncurrent loans | 30.2496% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 5.2667% | 516 |
| Noncurrent loans to loans | 5.3966% | 514 |
| Net loans and leases to total assets | 52.0297% | 4,869 |
| Net loans and leases to deposits | 60.4673% | 4,916 |
| Net loans and leases to core deposits | 65.0377% | 4,800 |
| Total domestic deposits to total assets | 86.0459% | 3,227 |
| Equity capital to assets | 12.4593% | 1,607 |
| Core capital (leverage) ratio | 12.2945% | 1,522 |
| Tier 1 risk-based capital ratio | 22.4259% | 1,243 |
| Total risk-based capital ratio | 23.6802% | 1,218 |
| Memoranda: | ||
| Average total assets | $80,658,000 | 5,273 |
| Average earning assets | $71,035,750 | 5,336 |
| Average equity | $10,004,750 | 4,902 |
| Average total loans | $45,546,250 | 5,184 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 4,159 |
| Cost of funding earning assets | 0.4055% | 4,886 |
| Net interest margin | 3.5813% | 3,447 |
| Noninterest income to average assets | 0.2040% | 5,987 |
| Noninterest expense to average assets | 2.9277% | 3,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3109% | 5,570 |
| Return on assets (ROA) | 0.3109% | 5,715 |
| Pretax return on assets | 0.4179% | 5,596 |
| Return on Equity (ROE) | 2.5105% | 5,791 |
| Retained earnings to average equity (ytd only) | 2.5105% | 4,698 |
| Net charge-offs to loans | 0.3968% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.8261% | 3,919 |
| Efficiency ratio | 87.5093% | 1,278 |
| Assets per employee ($millions) | 4.4566% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 2,946 |
| Loan loss allowance to noncurrent loans | 19.9138% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 7.1580% | 328 |
| Noncurrent loans to loans | 8.3257% | 234 |
| Net loans and leases to total assets | 54.6436% | 4,503 |
| Net loans and leases to deposits | 63.4117% | 4,570 |
| Net loans and leases to core deposits | 68.2688% | 4,467 |
| Total domestic deposits to total assets | 86.1727% | 3,277 |
| Equity capital to assets | 12.3314% | 1,684 |
| Core capital (leverage) ratio | 12.3789% | 1,418 |
| Tier 1 risk-based capital ratio | 21.8382% | 1,315 |
| Total risk-based capital ratio | 23.0944% | 1,291 |
| Memoranda: | ||
| Average total assets | $80,405,000 | 5,306 |
| Average earning assets | $70,534,000 | 5,375 |
| Average equity | $9,958,330 | 4,952 |
| Average total loans | $46,373,670 | 5,164 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 3,697 |
| Cost of funding earning assets | 0.4107% | 5,002 |
| Net interest margin | 3.6964% | 2,867 |
| Noninterest income to average assets | 0.1888% | 6,120 |
| Noninterest expense to average assets | 2.8522% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4075% | 5,101 |
| Return on assets (ROA) | 0.4075% | 5,248 |
| Pretax return on assets | 0.5565% | 5,093 |
| Return on Equity (ROE) | 3.2828% | 5,443 |
| Retained earnings to average equity (ytd only) | 3.2828% | 4,280 |
| Net charge-offs to loans | 0.5754% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.6471% | 3,279 |
| Efficiency ratio | 83.6735% | 1,810 |
| Assets per employee ($millions) | 4.3841% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 3,460 |
| Loan loss allowance to noncurrent loans | 21.7689% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 8.3839% | 289 |
| Noncurrent loans to loans | 7.2821% | 391 |
| Net loans and leases to total assets | 60.0269% | 3,425 |
| Net loans and leases to deposits | 69.9700% | 3,487 |
| Net loans and leases to core deposits | 75.4440% | 3,395 |
| Total domestic deposits to total assets | 85.7894% | 3,639 |
| Equity capital to assets | 12.6988% | 1,589 |
| Core capital (leverage) ratio | 12.3322% | 1,410 |
| Tier 1 risk-based capital ratio | 20.5723% | 1,639 |
| Total risk-based capital ratio | 21.8280% | 1,605 |
| Memoranda: | ||
| Average total assets | $80,498,500 | 5,348 |
| Average earning assets | $70,123,000 | 5,433 |
| Average equity | $9,991,500 | 4,987 |
| Average total loans | $47,274,000 | 5,158 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 5,124 |
| Cost of funding earning assets | 0.4510% | 5,575 |
| Net interest margin | 3.6039% | 4,065 |
| Noninterest income to average assets | 0.5648% | 3,483 |
| Noninterest expense to average assets | 3.1242% | 2,858 |
| Loan and lease loss provision to assets | 0.1802% | 3,372 |
| Net operating income to assets | 0.3785% | 5,187 |
| Return on assets (ROA) | 0.3785% | 5,418 |
| Pretax return on assets | 0.4098% | 5,547 |
| Return on Equity (ROE) | 3.1940% | 5,474 |
| Retained earnings to average equity (ytd only) | 3.1940% | 3,976 |
| Net charge-offs to loans | 0.7446% | 1,576 |
| Credit loss provision to net charge-offs | 42.6136% | 4,881 |
| Earnings coverage of net charge-offs (x) | 1.3949% | 4,758 |
| Efficiency ratio | 84.1152% | 1,622 |
| Assets per employee ($millions) | 4.5602% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 2,617 |
| Loan loss allowance to noncurrent loans | 23.8177% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 8.1002% | 334 |
| Noncurrent loans to loans | 7.5168% | 403 |
| Net loans and leases to total assets | 55.5346% | 4,374 |
| Net loans and leases to deposits | 64.3601% | 4,491 |
| Net loans and leases to core deposits | 69.1499% | 4,416 |
| Total domestic deposits to total assets | 86.2872% | 3,209 |
| Equity capital to assets | 12.1363% | 1,954 |
| Core capital (leverage) ratio | 11.7007% | 1,734 |
| Tier 1 risk-based capital ratio | 20.4559% | 1,572 |
| Total risk-based capital ratio | 21.7136% | 1,542 |
| Memoranda: | ||
| Average total assets | $83,221,400 | 5,266 |
| Average earning assets | $72,727,600 | 5,346 |
| Average equity | $9,862,200 | 5,004 |
| Average total loans | $47,275,400 | 5,204 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 5,340 |
| Cost of funding earning assets | 0.4600% | 5,726 |
| Net interest margin | 3.5962% | 4,248 |
| Noninterest income to average assets | 0.6435% | 3,025 |
| Noninterest expense to average assets | 2.8245% | 3,894 |
| Loan and lease loss provision to assets | 0.1996% | 3,083 |
| Net operating income to assets | 0.7361% | 3,751 |
| Return on assets (ROA) | 0.7361% | 4,004 |
| Pretax return on assets | 0.7648% | 4,616 |
| Return on Equity (ROE) | 6.2482% | 4,199 |
| Retained earnings to average equity (ytd only) | 6.2482% | 2,526 |
| Net charge-offs to loans | 0.9405% | 1,149 |
| Credit loss provision to net charge-offs | 37.3134% | 4,673 |
| Earnings coverage of net charge-offs (x) | 1.8030% | 4,362 |
| Efficiency ratio | 74.5470% | 2,898 |
| Assets per employee ($millions) | 4.5349% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 2,673 |
| Loan loss allowance to noncurrent loans | 24.7817% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 8.2250% | 366 |
| Noncurrent loans to loans | 7.4236% | 460 |
| Net loans and leases to total assets | 53.7958% | 4,780 |
| Net loans and leases to deposits | 62.6050% | 4,896 |
| Net loans and leases to core deposits | 67.3079% | 4,809 |
| Total domestic deposits to total assets | 85.9290% | 3,296 |
| Equity capital to assets | 12.3939% | 1,969 |
| Core capital (leverage) ratio | 12.0618% | 1,620 |
| Tier 1 risk-based capital ratio | 21.2871% | 1,454 |
| Total risk-based capital ratio | 22.5455% | 1,424 |
| Memoranda: | ||
| Average total assets | $83,505,750 | 5,309 |
| Average earning assets | $73,038,500 | 5,401 |
| Average equity | $9,837,250 | 5,065 |
| Average total loans | $47,490,250 | 5,254 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 5,601 |
| Cost of funding earning assets | 0.4723% | 5,814 |
| Net interest margin | 3.5425% | 4,494 |
| Noninterest income to average assets | 0.7869% | 2,249 |
| Noninterest expense to average assets | 2.7933% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9390% | 2,718 |
| Return on assets (ROA) | 0.9390% | 2,978 |
| Pretax return on assets | 1.0959% | 3,317 |
| Return on Equity (ROE) | 8.1076% | 3,208 |
| Retained earnings to average equity (ytd only) | 8.1076% | 1,599 |
| Net charge-offs to loans | 0.2809% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.7794% | 2,578 |
| Efficiency ratio | 71.8215% | 3,459 |
| Assets per employee ($millions) | 4.5923% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 2,047 |
| Loan loss allowance to noncurrent loans | 25.6581% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 8.6545% | 366 |
| Noncurrent loans to loans | 8.0894% | 419 |
| Net loans and leases to total assets | 55.0773% | 4,616 |
| Net loans and leases to deposits | 63.7861% | 4,790 |
| Net loans and leases to core deposits | 68.4817% | 4,730 |
| Total domestic deposits to total assets | 86.3468% | 3,166 |
| Equity capital to assets | 12.0938% | 2,078 |
| Core capital (leverage) ratio | 11.9884% | 1,605 |
| Tier 1 risk-based capital ratio | 20.3355% | 1,629 |
| Total risk-based capital ratio | 21.5962% | 1,593 |
| Memoranda: | ||
| Average total assets | $84,131,330 | 5,322 |
| Average earning assets | $73,677,000 | 5,408 |
| Average equity | $9,744,000 | 5,094 |
| Average total loans | $48,408,330 | 5,257 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 5,449 |
| Cost of funding earning assets | 0.4939% | 5,855 |
| Net interest margin | 3.6079% | 4,231 |
| Noninterest income to average assets | 0.4666% | 4,174 |
| Noninterest expense to average assets | 2.7337% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7494% | 3,627 |
| Return on assets (ROA) | 0.7494% | 3,865 |
| Pretax return on assets | 0.9002% | 4,032 |
| Return on Equity (ROE) | 6.6129% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.6129% | 2,625 |
| Net charge-offs to loans | -0.0081% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2270% | 2,905 |
| Assets per employee ($millions) | 4.5976% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1244% | 2,042 |
| Loan loss allowance to noncurrent loans | 30.0407% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 6.8212% | 638 |
| Noncurrent loans to loans | 7.0718% | 624 |
| Net loans and leases to total assets | 57.5637% | 4,120 |
| Net loans and leases to deposits | 66.4194% | 4,315 |
| Net loans and leases to core deposits | 72.4973% | 4,078 |
| Total domestic deposits to total assets | 86.6670% | 3,133 |
| Equity capital to assets | 11.7489% | 2,221 |
| Core capital (leverage) ratio | 11.4299% | 1,941 |
| Tier 1 risk-based capital ratio | 20.3553% | 1,629 |
| Total risk-based capital ratio | 21.6169% | 1,597 |
| Memoranda: | ||
| Average total assets | $84,866,000 | 5,345 |
| Average earning assets | $74,502,500 | 5,414 |
| Average equity | $9,617,500 | 5,143 |
| Average total loans | $49,366,000 | 5,250 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 4,805 |
| Cost of funding earning assets | 0.9142% | 4,015 |
| Net interest margin | 3.6513% | 4,514 |
| Noninterest income to average assets | 0.4921% | 3,904 |
| Noninterest expense to average assets | 3.2738% | 2,608 |
| Loan and lease loss provision to assets | 0.6158% | 1,677 |
| Net operating income to assets | -0.1736% | 6,229 |
| Return on assets (ROA) | -0.1736% | 6,305 |
| Pretax return on assets | -0.2163% | 6,294 |
| Return on Equity (ROE) | -1.5183% | 6,297 |
| Retained earnings to average equity (ytd only) | -1.5183% | 6,093 |
| Net charge-offs to loans | 0.5915% | 2,678 |
| Credit loss provision to net charge-offs | 162.3824% | 1,693 |
| Earnings coverage of net charge-offs (x) | 1.0533% | 5,000 |
| Efficiency ratio | 89.1262% | 1,257 |
| Assets per employee ($millions) | 4.8319% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 2,094 |
| Loan loss allowance to noncurrent loans | 46.9119% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 6.4961% | 724 |
| Noncurrent loans to loans | 4.3987% | 1,367 |
| Net loans and leases to total assets | 56.3691% | 4,640 |
| Net loans and leases to deposits | 67.0015% | 4,581 |
| Net loans and leases to core deposits | 72.6940% | 4,414 |
| Total domestic deposits to total assets | 84.1311% | 4,266 |
| Equity capital to assets | 10.9365% | 3,041 |
| Core capital (leverage) ratio | 10.7509% | 2,476 |
| Tier 1 risk-based capital ratio | 18.6876% | 1,992 |
| Total risk-based capital ratio | 19.9480% | 1,951 |
| Memoranda: | ||
| Average total assets | $84,123,200 | 5,335 |
| Average earning assets | $73,288,800 | 5,429 |
| Average equity | $9,616,200 | 5,115 |
| Average total loans | $53,931,600 | 5,116 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 4,639 |
| Cost of funding earning assets | 0.9849% | 3,783 |
| Net interest margin | 3.6750% | 4,449 |
| Noninterest income to average assets | 0.1583% | 6,461 |
| Noninterest expense to average assets | 2.8293% | 4,240 |
| Loan and lease loss provision to assets | 0.6154% | 1,595 |
| Net operating income to assets | -0.0591% | 6,234 |
| Return on assets (ROA) | -0.0591% | 6,327 |
| Pretax return on assets | -0.0895% | 6,327 |
| Return on Equity (ROE) | -0.5116% | 6,320 |
| Retained earnings to average equity (ytd only) | -0.5116% | 6,073 |
| Net charge-offs to loans | 0.6970% | 2,169 |
| Credit loss provision to net charge-offs | 134.1463% | 2,373 |
| Earnings coverage of net charge-offs (x) | 1.1463% | 4,765 |
| Efficiency ratio | 84.3259% | 1,701 |
| Assets per employee ($millions) | 4.1068% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 3,168 |
| Loan loss allowance to noncurrent loans | 31.2123% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 7.4962% | 626 |
| Noncurrent loans to loans | 5.5448% | 1,066 |
| Net loans and leases to total assets | 64.4305% | 3,225 |
| Net loans and leases to deposits | 77.7058% | 3,045 |
| Net loans and leases to core deposits | 86.5682% | 2,701 |
| Total domestic deposits to total assets | 82.9159% | 4,718 |
| Equity capital to assets | 11.7794% | 2,426 |
| Core capital (leverage) ratio | 11.9743% | 1,719 |
| Tier 1 risk-based capital ratio | 17.4849% | 2,448 |
| Total risk-based capital ratio | 18.7419% | 2,415 |
| Memoranda: | ||
| Average total assets | $83,410,250 | 5,392 |
| Average earning assets | $72,561,500 | 5,496 |
| Average equity | $9,642,250 | 5,143 |
| Average total loans | $54,899,500 | 5,122 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 4,710 |
| Cost of funding earning assets | 1.0124% | 3,871 |
| Net interest margin | 3.6463% | 4,536 |
| Noninterest income to average assets | 0.1074% | 6,792 |
| Noninterest expense to average assets | 2.7459% | 4,641 |
| Loan and lease loss provision to assets | 0.3578% | 2,641 |
| Net operating income to assets | 0.0620% | 6,089 |
| Return on assets (ROA) | 0.0620% | 6,173 |
| Pretax return on assets | 0.1742% | 5,974 |
| Return on Equity (ROE) | 0.5399% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.5399% | 5,639 |
| Net charge-offs to loans | 0.0941% | 4,737 |
| Credit loss provision to net charge-offs | 576.9231% | 539 |
| Earnings coverage of net charge-offs (x) | 8.5769% | 2,039 |
| Efficiency ratio | 83.7700% | 1,843 |
| Assets per employee ($millions) | 4.9113% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 3,013 |
| Loan loss allowance to noncurrent loans | 37.6277% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 6.8474% | 763 |
| Noncurrent loans to loans | 4.7699% | 1,380 |
| Net loans and leases to total assets | 62.7821% | 3,722 |
| Net loans and leases to deposits | 80.0360% | 2,791 |
| Net loans and leases to core deposits | 89.5514% | 2,434 |
| Total domestic deposits to total assets | 78.4422% | 6,203 |
| Equity capital to assets | 11.6023% | 2,410 |
| Core capital (leverage) ratio | 11.7032% | 1,781 |
| Tier 1 risk-based capital ratio | 17.6273% | 2,298 |
| Total risk-based capital ratio | 18.8844% | 2,266 |
| Memoranda: | ||
| Average total assets | $83,835,330 | 5,431 |
| Average earning assets | $72,895,670 | 5,528 |
| Average equity | $9,631,330 | 5,145 |
| Average total loans | $55,248,670 | 5,163 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 4,066 |
| Cost of funding earning assets | 1.0384% | 3,928 |
| Net interest margin | 3.7600% | 3,800 |
| Noninterest income to average assets | -0.0714% | 7,373 |
| Noninterest expense to average assets | 2.6379% | 5,088 |
| Loan and lease loss provision to assets | 0.7142% | 1,186 |
| Net operating income to assets | -0.1809% | 6,541 |
| Return on assets (ROA) | -0.1809% | 6,560 |
| Pretax return on assets | -0.1476% | 6,489 |
| Return on Equity (ROE) | -1.5828% | 6,546 |
| Retained earnings to average equity (ytd only) | -1.5828% | 6,085 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3180% | 2,177 |
| Assets per employee ($millions) | 5.2791% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7522% | 3,166 |
| Loan loss allowance to noncurrent loans | 77.9097% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 5.1015% | 1,231 |
| Noncurrent loans to loans | 2.2490% | 3,258 |
| Net loans and leases to total assets | 65.3217% | 3,171 |
| Net loans and leases to deposits | 82.8725% | 2,205 |
| Net loans and leases to core deposits | 92.1425% | 2,113 |
| Total domestic deposits to total assets | 78.8220% | 6,234 |
| Equity capital to assets | 11.3467% | 2,381 |
| Core capital (leverage) ratio | 11.3457% | 1,933 |
| Tier 1 risk-based capital ratio | 16.9313% | 2,507 |
| Total risk-based capital ratio | 18.1874% | 2,479 |
| Memoranda: | ||
| Average total assets | $84,007,000 | 5,470 |
| Average earning assets | $73,191,500 | 5,565 |
| Average equity | $9,603,500 | 5,146 |
| Average total loans | $56,185,000 | 5,166 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 3,386 |
| Cost of funding earning assets | 1.3834% | 3,370 |
| Net interest margin | 3.8620% | 3,680 |
| Noninterest income to average assets | 0.1208% | 6,804 |
| Noninterest expense to average assets | 4.4791% | 666 |
| Loan and lease loss provision to assets | 0.6042% | 2,718 |
| Net operating income to assets | -1.0968% | 6,738 |
| Return on assets (ROA) | -1.0968% | 6,765 |
| Pretax return on assets | -1.6307% | 6,905 |
| Return on Equity (ROE) | -9.1677% | 6,686 |
| Retained earnings to average equity (ytd only) | -9.1677% | 6,607 |
| Net charge-offs to loans | 0.6505% | 3,058 |
| Credit loss provision to net charge-offs | 132.5758% | 2,960 |
| Earnings coverage of net charge-offs (x) | -2.2525% | 6,715 |
| Efficiency ratio | 129.7333% | 319 |
| Assets per employee ($millions) | 5.2218% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 4,104 |
| Loan loss allowance to noncurrent loans | 63.1818% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 6.0204% | 986 |
| Noncurrent loans to loans | 2.3483% | 3,172 |
| Net loans and leases to total assets | 66.2821% | 3,407 |
| Net loans and leases to deposits | 84.4486% | 2,378 |
| Net loans and leases to core deposits | 94.4437% | 2,205 |
| Total domestic deposits to total assets | 78.4881% | 6,218 |
| Equity capital to assets | 11.5178% | 2,243 |
| Core capital (leverage) ratio | 11.1845% | 2,026 |
| Tier 1 risk-based capital ratio | 16.3527% | 2,592 |
| Total risk-based capital ratio | 17.6052% | 2,549 |
| Memoranda: | ||
| Average total assets | $86,892,600 | 5,384 |
| Average earning assets | $74,961,400 | 5,515 |
| Average equity | $10,395,200 | 5,010 |
| Average total loans | $60,875,000 | 5,034 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 3,362 |
| Cost of funding earning assets | 1.4672% | 3,166 |
| Net interest margin | 3.8320% | 3,832 |
| Noninterest income to average assets | 0.1383% | 6,863 |
| Noninterest expense to average assets | 3.0533% | 3,559 |
| Loan and lease loss provision to assets | 0.4939% | 2,997 |
| Net operating income to assets | -0.0714% | 6,150 |
| Return on assets (ROA) | -0.0714% | 6,243 |
| Pretax return on assets | -0.1064% | 6,228 |
| Return on Equity (ROE) | -0.5919% | 6,233 |
| Retained earnings to average equity (ytd only) | -0.5919% | 5,939 |
| Net charge-offs to loans | 0.5244% | 3,202 |
| Credit loss provision to net charge-offs | 133.1967% | 3,036 |
| Earnings coverage of net charge-offs (x) | 1.0451% | 5,015 |
| Efficiency ratio | 88.7367% | 1,388 |
| Assets per employee ($millions) | 4.3042% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 4,611 |
| Loan loss allowance to noncurrent loans | 54.7354% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 6.5170% | 869 |
| Noncurrent loans to loans | 2.5070% | 3,108 |
| Net loans and leases to total assets | 65.6274% | 3,771 |
| Net loans and leases to deposits | 84.2628% | 2,657 |
| Net loans and leases to core deposits | 94.3564% | 2,478 |
| Total domestic deposits to total assets | 77.8841% | 6,282 |
| Equity capital to assets | 12.2998% | 1,973 |
| Core capital (leverage) ratio | 12.1705% | 1,576 |
| Tier 1 risk-based capital ratio | 17.2693% | 2,251 |
| Total risk-based capital ratio | 18.5209% | 2,213 |
| Memoranda: | ||
| Average total assets | $87,728,500 | 5,424 |
| Average earning assets | $75,607,250 | 5,556 |
| Average equity | $10,588,250 | 5,027 |
| Average total loans | $62,040,750 | 5,065 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 2,973 |
| Cost of funding earning assets | 1.5270% | 3,091 |
| Net interest margin | 3.8739% | 3,565 |
| Noninterest income to average assets | 0.0680% | 7,242 |
| Noninterest expense to average assets | 3.0744% | 3,416 |
| Loan and lease loss provision to assets | 0.7363% | 1,967 |
| Net operating income to assets | -0.2719% | 6,443 |
| Return on assets (ROA) | -0.2719% | 6,487 |
| Pretax return on assets | -0.4033% | 6,511 |
| Return on Equity (ROE) | -2.2666% | 6,443 |
| Retained earnings to average equity (ytd only) | -2.2666% | 6,188 |
| Net charge-offs to loans | 0.7512% | 2,360 |
| Credit loss provision to net charge-offs | 135.9833% | 2,948 |
| Earnings coverage of net charge-offs (x) | 0.6151% | 5,131 |
| Efficiency ratio | 90.2261% | 1,313 |
| Assets per employee ($millions) | 4.4966% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 4,905 |
| Loan loss allowance to noncurrent loans | 24.1453% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 6.6295% | 828 |
| Noncurrent loans to loans | 5.3930% | 1,230 |
| Net loans and leases to total assets | 66.6667% | 3,695 |
| Net loans and leases to deposits | 86.8672% | 2,366 |
| Net loans and leases to core deposits | 97.0271% | 2,327 |
| Total domestic deposits to total assets | 76.7455% | 6,555 |
| Equity capital to assets | 11.6645% | 2,306 |
| Core capital (leverage) ratio | 11.9923% | 1,643 |
| Tier 1 risk-based capital ratio | 15.6414% | 2,828 |
| Total risk-based capital ratio | 16.8711% | 2,809 |
| Memoranda: | ||
| Average total assets | $88,277,000 | 5,444 |
| Average earning assets | $76,098,330 | 5,573 |
| Average equity | $10,588,330 | 5,034 |
| Average total loans | $63,627,670 | 5,031 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5999% | 2,153 |
| Cost of funding earning assets | 1.6083% | 2,911 |
| Net interest margin | 3.9916% | 2,903 |
| Noninterest income to average assets | 0.1738% | 6,723 |
| Noninterest expense to average assets | 2.8451% | 4,302 |
| Loan and lease loss provision to assets | 0.3431% | 3,327 |
| Net operating income to assets | 0.3751% | 4,949 |
| Return on assets (ROA) | 0.3751% | 5,076 |
| Pretax return on assets | 0.4254% | 5,210 |
| Return on Equity (ROE) | 3.0834% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.0834% | 4,288 |
| Net charge-offs to loans | 0.3627% | 2,965 |
| Credit loss provision to net charge-offs | 127.1186% | 2,773 |
| Earnings coverage of net charge-offs (x) | 2.8475% | 3,125 |
| Efficiency ratio | 78.7342% | 2,773 |
| Assets per employee ($millions) | 4.3990% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,955 |
| Loan loss allowance to noncurrent loans | 40.2793% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 5.5649% | 1,106 |
| Noncurrent loans to loans | 2.7585% | 2,895 |
| Net loans and leases to total assets | 72.9370% | 2,223 |
| Net loans and leases to deposits | 100.2327% | 739 |
| Net loans and leases to core deposits | 113.4547% | 1,068 |
| Total domestic deposits to total assets | 72.7677% | 7,188 |
| Equity capital to assets | 12.1448% | 1,959 |
| Core capital (leverage) ratio | 12.0875% | 1,603 |
| Tier 1 risk-based capital ratio | 15.2688% | 2,975 |
| Total risk-based capital ratio | 16.3464% | 3,024 |
| Memoranda: | ||
| Average total assets | $87,450,000 | 5,531 |
| Average earning assets | $75,358,000 | 5,656 |
| Average equity | $10,637,500 | 5,064 |
| Average total loans | $65,069,000 | 5,038 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0641% | 1,626 |
| Cost of funding earning assets | 1.9314% | 3,291 |
| Net interest margin | 4.1327% | 2,308 |
| Noninterest income to average assets | 0.1599% | 6,929 |
| Noninterest expense to average assets | 2.9997% | 4,143 |
| Loan and lease loss provision to assets | 0.6360% | 3,260 |
| Net operating income to assets | 0.0477% | 5,345 |
| Return on assets (ROA) | 0.0477% | 5,402 |
| Pretax return on assets | 0.2160% | 4,969 |
| Return on Equity (ROE) | 0.4871% | 5,394 |
| Retained earnings to average equity (ytd only) | 0.4871% | 4,633 |
| Net charge-offs to loans | 0.6429% | 3,265 |
| Credit loss provision to net charge-offs | 121.4123% | 4,382 |
| Earnings coverage of net charge-offs (x) | 1.6264% | 4,522 |
| Efficiency ratio | 77.8810% | 3,212 |
| Assets per employee ($millions) | 4.3460% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,993 |
| Loan loss allowance to noncurrent loans | 40.6574% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 6.0642% | 928 |
| Noncurrent loans to loans | 2.6576% | 2,888 |
| Net loans and leases to total assets | 74.2545% | 2,216 |
| Net loans and leases to deposits | 105.6334% | 573 |
| Net loans and leases to core deposits | 135.7921% | 961 |
| Total domestic deposits to total assets | 70.2945% | 7,402 |
| Equity capital to assets | 12.1836% | 1,922 |
| Core capital (leverage) ratio | 12.1820% | 1,589 |
| Tier 1 risk-based capital ratio | 15.0678% | 2,906 |
| Total risk-based capital ratio | 16.1166% | 2,965 |
| Memoranda: | ||
| Average total assets | $83,808,400 | 5,602 |
| Average earning assets | $74,866,800 | 5,642 |
| Average equity | $8,211,600 | 5,863 |
| Average total loans | $68,289,400 | 4,928 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0627% | 1,792 |
| Cost of funding earning assets | 1.9635% | 3,549 |
| Net interest margin | 4.0992% | 2,398 |
| Noninterest income to average assets | 0.1012% | 7,399 |
| Noninterest expense to average assets | 2.9627% | 4,197 |
| Loan and lease loss provision to assets | 0.3742% | 4,082 |
| Net operating income to assets | 0.2553% | 4,967 |
| Return on assets (ROA) | 0.2553% | 5,055 |
| Pretax return on assets | 0.4721% | 4,611 |
| Return on Equity (ROE) | 2.7831% | 4,886 |
| Retained earnings to average equity (ytd only) | 2.7831% | 3,779 |
| Net charge-offs to loans | 0.3340% | 3,964 |
| Credit loss provision to net charge-offs | 134.6821% | 3,689 |
| Earnings coverage of net charge-offs (x) | 3.0463% | 3,708 |
| Efficiency ratio | 77.7825% | 3,201 |
| Assets per employee ($millions) | 4.1718% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 6,503 |
| Loan loss allowance to noncurrent loans | 70.0418% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 3.1550% | 2,158 |
| Noncurrent loans to loans | 1.3665% | 4,641 |
| Net loans and leases to total assets | 79.2553% | 1,335 |
| Net loans and leases to deposits | 110.9222% | 430 |
| Net loans and leases to core deposits | 142.6658% | 812 |
| Total domestic deposits to total assets | 71.4512% | 7,286 |
| Equity capital to assets | 9.9352% | 4,165 |
| Core capital (leverage) ratio | 10.1862% | 3,079 |
| Tier 1 risk-based capital ratio | 12.2624% | 4,736 |
| Total risk-based capital ratio | 13.2535% | 4,909 |
| Memoranda: | ||
| Average total assets | $83,030,500 | 5,659 |
| Average earning assets | $75,102,000 | 5,667 |
| Average equity | $7,617,000 | 6,104 |
| Average total loans | $69,050,000 | 4,949 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1106% | 1,757 |
| Cost of funding earning assets | 2.0540% | 3,505 |
| Net interest margin | 4.0566% | 2,482 |
| Noninterest income to average assets | 0.1816% | 6,999 |
| Noninterest expense to average assets | 2.9569% | 4,268 |
| Loan and lease loss provision to assets | 0.5104% | 2,983 |
| Net operating income to assets | 0.1521% | 5,414 |
| Return on assets (ROA) | 0.1521% | 5,509 |
| Pretax return on assets | 0.3877% | 4,966 |
| Return on Equity (ROE) | 1.7092% | 5,399 |
| Retained earnings to average equity (ytd only) | 1.7092% | 4,389 |
| Net charge-offs to loans | -0.0029% | 7,493 |
| Credit loss provision to net charge-offs | -20,800.0000% | 7,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7027% | 3,564 |
| Assets per employee ($millions) | 4.0939% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,273 |
| Loan loss allowance to noncurrent loans | 47.2622% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 3.0662% | 2,060 |
| Noncurrent loans to loans | 2.4319% | 2,969 |
| Net loans and leases to total assets | 82.0300% | 953 |
| Net loans and leases to deposits | 115.4887% | 348 |
| Net loans and leases to core deposits | 147.1415% | 726 |
| Total domestic deposits to total assets | 71.0286% | 7,363 |
| Equity capital to assets | 10.0127% | 3,920 |
| Core capital (leverage) ratio | 10.3699% | 2,931 |
| Tier 1 risk-based capital ratio | 12.1638% | 4,791 |
| Total risk-based capital ratio | 13.3687% | 4,735 |
| Memoranda: | ||
| Average total assets | $81,504,670 | 5,740 |
| Average earning assets | $73,805,670 | 5,753 |
| Average equity | $7,254,670 | 6,278 |
| Average total loans | $68,698,330 | 5,008 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 2,039 |
| Cost of funding earning assets | 2.0777% | 3,748 |
| Net interest margin | 3.9987% | 2,649 |
| Noninterest income to average assets | 0.0555% | 7,803 |
| Noninterest expense to average assets | 2.9468% | 3,986 |
| Loan and lease loss provision to assets | 0.1312% | 5,276 |
| Net operating income to assets | 0.3532% | 5,055 |
| Return on assets (ROA) | 0.3532% | 5,239 |
| Pretax return on assets | 0.5803% | 4,818 |
| Return on Equity (ROE) | 4.2566% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.2566% | 3,538 |
| Net charge-offs to loans | -0.0059% | 7,198 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5517% | 2,736 |
| Assets per employee ($millions) | 3.9620% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 6,706 |
| Loan loss allowance to noncurrent loans | 56.3604% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.1826% | 2,620 |
| Noncurrent loans to loans | 1.6132% | 3,855 |
| Net loans and leases to total assets | 83.5727% | 754 |
| Net loans and leases to deposits | 115.5738% | 399 |
| Net loans and leases to core deposits | 147.3106% | 803 |
| Total domestic deposits to total assets | 72.3111% | 7,161 |
| Equity capital to assets | 7.9492% | 6,884 |
| Core capital (leverage) ratio | 8.3833% | 5,746 |
| Tier 1 risk-based capital ratio | 9.4328% | 7,484 |
| Total risk-based capital ratio | 10.3891% | 7,714 |
| Memoranda: | ||
| Average total assets | $79,271,500 | 5,852 |
| Average earning assets | $71,424,000 | 5,866 |
| Average equity | $6,578,000 | 6,556 |
| Average total loans | $67,376,500 | 5,079 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9630% | 1,224 |
| Cost of funding earning assets | 2.1102% | 6,005 |
| Net interest margin | 4.8527% | 701 |
| Noninterest income to average assets | 0.4149% | 5,348 |
| Noninterest expense to average assets | 3.6225% | 2,092 |
| Loan and lease loss provision to assets | 0.2346% | 4,549 |
| Net operating income to assets | 0.5146% | 4,666 |
| Return on assets (ROA) | 0.5146% | 4,518 |
| Pretax return on assets | 0.8899% | 3,756 |
| Return on Equity (ROE) | 5.4523% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.2873% | 2,447 |
| Net charge-offs to loans | 0.1112% | 5,162 |
| Credit loss provision to net charge-offs | 246.1538% | 1,895 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 2,330 |
| Efficiency ratio | 76.3125% | 3,186 |
| Assets per employee ($millions) | 3.5876% | 4,447 |
| Cash dividends to net income (ytd only)* | 21.3675% | 4,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 6,148 |
| Loan loss allowance to noncurrent loans | 237.5465% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 2.2538% | 2,161 |
| Noncurrent loans to loans | 0.4165% | 6,094 |
| Net loans and leases to total assets | 84.8699% | 749 |
| Net loans and leases to deposits | 111.2404% | 754 |
| Net loans and leases to core deposits | 139.9177% | 1,275 |
| Total domestic deposits to total assets | 76.2941% | 6,171 |
| Equity capital to assets | 8.6833% | 5,832 |
| Core capital (leverage) ratio | 8.7590% | 5,101 |
| Tier 1 risk-based capital ratio | 9.5571% | 7,246 |
| Total risk-based capital ratio | 10.4911% | 7,520 |
| Memoranda: | ||
| Average total assets | $68,212,400 | 6,083 |
| Average earning assets | $60,893,600 | 6,136 |
| Average equity | $6,437,600 | 6,661 |
| Average total loans | $58,464,200 | 5,340 |