Home > Preferred Bank > Performance and Condition Ratios
Preferred Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0251% | 27 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21,297.0000% | 31 |
| Cost of funding earning assets | 85.0000% | 26 |
| Net interest margin | 27.0000% | 8 |
| Noninterest income to average assets | 0.0007% | 4,529 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.9713% | 2,289 |
| Pretax return on assets | 0.9713% | 2,749 |
| Return on Equity (ROE) | 44.5400% | 66 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0073% | 2,405 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 3.3964% | 2,645 |
| Efficiency ratio | 2.5820% | 4,574 |
| Assets per employee ($millions) | 0.1313% | 4,554 |
| Cash dividends to net income (ytd only)* | 52.0000% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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% | 3,819 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 825.0000% | 36 |
| Total domestic deposits to total assets | 41,345.0000% | 6 |
| Equity capital to assets | 363,551.0000% | 3 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $69,358,000 | 4,118 |
| Average earning assets | $5,709 | 4,568 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7595% | 4,148 |
| Cost of funding earning assets | 0.7645% | 3,621 |
| Net interest margin | 2.9950% | 3,351 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.1689% | 3,155 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0363% | 2,259 |
| Return on assets (ROA) | 1.0363% | 2,247 |
| Pretax return on assets | 1.0363% | 2,753 |
| Return on Equity (ROE) | 54.7900% | 62 |
| Retained earnings to average equity (ytd only) | 5.6519% | 2,734 |
| Net charge-offs to loans | 0.0997% | 785 |
| Credit loss provision to net charge-offs | 72.2222% | 1,794 |
| Earnings coverage of net charge-offs (x) | 30.6111% | 1,585 |
| Efficiency ratio | 67.1437% | 2,124 |
| Assets per employee ($millions) | 5.3526% | 3,299 |
| Cash dividends to net income (ytd only)* | 89.6840% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 3,903 |
| 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 | 34.7000% | 4,226 |
| Net loans and leases to deposits | 37.0599% | 4,274 |
| Net loans and leases to core deposits | 38.0700% | 4,293 |
| Total domestic deposits to total assets | 93.6200% | 223 |
| Equity capital to assets | 1.2022% | 4,570 |
| Core capital (leverage) ratio | 7.4742% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5145% | 516 |
| Memoranda: | ||
| Average total assets | $138,438,250 | 3,480 |
| Average earning assets | $131,503,250 | 3,439 |
| Average equity | $2,618,500 | 4,472 |
| Average total loans | $48,159,000 | 3,875 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,169 |
| Cost of funding earning assets | 0.6694% | 3,573 |
| Net interest margin | 3.0071% | 3,416 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.1810% | 3,128 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0275% | 2,327 |
| Return on assets (ROA) | 1.0275% | 2,322 |
| Pretax return on assets | 1.0275% | 2,836 |
| Return on Equity (ROE) | 48.4000% | 67 |
| Retained earnings to average equity (ytd only) | 4.0223% | 3,203 |
| Net charge-offs to loans | 0.1542% | 506 |
| Credit loss provision to net charge-offs | 51.3514% | 1,662 |
| Earnings coverage of net charge-offs (x) | 19.7027% | 1,743 |
| Efficiency ratio | 67.3971% | 2,060 |
| Assets per employee ($millions) | 5.4502% | 3,192 |
| Cash dividends to net income (ytd only)* | 91.6901% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 3,970 |
| Loan loss allowance to noncurrent loans | 303.0303% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 2,884 |
| Noncurrent loans to loans | 0.2708% | 2,184 |
| Net loans and leases to total assets | 34.1100% | 4,234 |
| Net loans and leases to deposits | 36.6065% | 4,285 |
| Net loans and leases to core deposits | 37.5875% | 4,302 |
| Total domestic deposits to total assets | 93.1800% | 226 |
| Equity capital to assets | 1.7536% | 4,610 |
| Core capital (leverage) ratio | 7.4493% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5963% | 516 |
| Memoranda: | ||
| Average total assets | $138,195,333 | 3,493 |
| Average earning assets | $131,154,667 | 3,453 |
| Average equity | $2,933,667 | 4,480 |
| Average total loans | $47,981,000 | 3,884 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6635% | 4,081 |
| Cost of funding earning assets | 0.5807% | 3,439 |
| Net interest margin | 3.0828% | 3,389 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.1255% | 3,320 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.1580% | 2,047 |
| Return on assets (ROA) | 1.1580% | 2,011 |
| Pretax return on assets | 1.1580% | 2,542 |
| Return on Equity (ROE) | 50.0300% | 74 |
| Retained earnings to average equity (ytd only) | 7.7264% | 2,308 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.2161% | 2,431 |
| Assets per employee ($millions) | 5.3358% | 3,375 |
| Cash dividends to net income (ytd only)* | 84.5570% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 3,826 |
| Loan loss allowance to noncurrent loans | 275.4839% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,740 |
| Noncurrent loans to loans | 0.3310% | 1,969 |
| Net loans and leases to total assets | 33.4500% | 4,281 |
| Net loans and leases to deposits | 34.2927% | 4,370 |
| Net loans and leases to core deposits | 34.9046% | 4,383 |
| Total domestic deposits to total assets | 97.5300% | 24 |
| Equity capital to assets | 2.3715% | 4,621 |
| Core capital (leverage) ratio | 7.3783% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1218% | 494 |
| Memoranda: | ||
| Average total assets | $136,440,500 | 3,552 |
| Average earning assets | $129,494,000 | 3,513 |
| Average equity | $3,158,000 | 4,524 |
| Average total loans | $47,603,500 | 3,939 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9502% | 4,190 |
| Cost of funding earning assets | 0.2249% | 3,553 |
| Net interest margin | 2.7253% | 4,021 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.1081% | 3,270 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9819% | 2,635 |
| Return on assets (ROA) | 0.1479% | 4,470 |
| Pretax return on assets | 0.1479% | 4,480 |
| Return on Equity (ROE) | 4.3900% | 4,102 |
| Retained earnings to average equity (ytd only) | -9.1641% | 4,623 |
| Net charge-offs to loans | 0.0383% | 1,326 |
| Credit loss provision to net charge-offs | 161.1111% | 1,257 |
| Earnings coverage of net charge-offs (x) | 77.2222% | 1,107 |
| Efficiency ratio | 67.7644% | 1,993 |
| Assets per employee ($millions) | 5.1597% | 3,550 |
| Cash dividends to net income (ytd only)* | 308.7805% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 3,883 |
| Loan loss allowance to noncurrent loans | 294.3662% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 2,783 |
| Noncurrent loans to loans | 0.2935% | 2,088 |
| Net loans and leases to total assets | 35.7500% | 4,227 |
| Net loans and leases to deposits | 36.8782% | 4,324 |
| Net loans and leases to core deposits | 37.4758% | 4,344 |
| Total domestic deposits to total assets | 96.9500% | 53 |
| Equity capital to assets | 2.2557% | 4,636 |
| Core capital (leverage) ratio | 7.6445% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9220% | 552 |
| Memoranda: | ||
| Average total assets | $138,610,600 | 3,545 |
| Average earning assets | $131,178,000 | 3,516 |
| Average equity | $4,670,400 | 4,463 |
| Average total loans | $46,954,800 | 3,946 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8088% | 4,183 |
| Cost of funding earning assets | 0.1936% | 3,353 |
| Net interest margin | 2.6152% | 4,077 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 1.9953% | 3,496 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0458% | 2,297 |
| Return on assets (ROA) | -0.0573% | 4,592 |
| Pretax return on assets | -0.0573% | 4,585 |
| Return on Equity (ROE) | -1.5700% | 4,606 |
| Retained earnings to average equity (ytd only) | -15.5593% | 4,714 |
| Net charge-offs to loans | 0.0200% | 1,435 |
| Credit loss provision to net charge-offs | 271.4286% | 860 |
| Earnings coverage of net charge-offs (x) | 159.2857% | 719 |
| Efficiency ratio | 65.2215% | 2,384 |
| Assets per employee ($millions) | 5.1635% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 3,922 |
| Loan loss allowance to noncurrent loans | 1,496.4286% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,736 |
| Noncurrent loans to loans | 0.0586% | 3,461 |
| Net loans and leases to total assets | 35.2600% | 4,260 |
| Net loans and leases to deposits | 35.6839% | 4,374 |
| Net loans and leases to core deposits | 36.2498% | 4,397 |
| Total domestic deposits to total assets | 98.8100% | 35 |
| Equity capital to assets | 1.1069% | 4,693 |
| Core capital (leverage) ratio | 7.4561% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5705% | 595 |
| Memoranda: | ||
| Average total assets | $139,725,500 | 3,558 |
| Average earning assets | $132,248,250 | 3,519 |
| Average equity | $5,081,500 | 4,458 |
| Average total loans | $46,598,250 | 3,972 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6390% | 4,234 |
| Cost of funding earning assets | 0.1627% | 3,411 |
| Net interest margin | 2.4763% | 4,126 |
| Noninterest income to average assets | 0.3999% | 2,760 |
| Noninterest expense to average assets | 1.9456% | 3,583 |
| Loan and lease loss provision to assets | 0.0141% | 2,342 |
| Net operating income to assets | 0.7842% | 3,015 |
| Return on assets (ROA) | -0.8492% | 4,700 |
| Pretax return on assets | -0.8492% | 4,690 |
| Return on Equity (ROE) | -19.1401% | 4,746 |
| Retained earnings to average equity (ytd only) | -33.4395% | 4,748 |
| Net charge-offs to loans | 0.0260% | 1,195 |
| Credit loss provision to net charge-offs | 166.6667% | 1,049 |
| Earnings coverage of net charge-offs (x) | 94.1667% | 848 |
| Efficiency ratio | 70.9063% | 1,840 |
| Assets per employee ($millions) | 5.5793% | 3,143 |
| Cash dividends to net income (ytd only)* | -74.7088% | 4,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 4,064 |
| Loan loss allowance to noncurrent loans | 2,283.3333% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 612 |
| Noncurrent loans to loans | 0.0377% | 3,667 |
| Net loans and leases to total assets | 33.8983% | 4,340 |
| Net loans and leases to deposits | 34.5313% | 4,434 |
| Net loans and leases to core deposits | 35.0611% | 4,460 |
| Total domestic deposits to total assets | 98.1668% | 22 |
| Equity capital to assets | 1.7536% | 4,733 |
| Core capital (leverage) ratio | 6.9702% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3595% | 672 |
| Memoranda: | ||
| Average total assets | $141,550,667 | 3,591 |
| Average earning assets | $133,991,000 | 3,554 |
| Average equity | $6,280,000 | 4,386 |
| Average total loans | $46,213,000 | 4,024 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5614% | 4,182 |
| Cost of funding earning assets | 0.1423% | 3,597 |
| Net interest margin | 2.4191% | 4,033 |
| Noninterest income to average assets | 0.3843% | 2,785 |
| Noninterest expense to average assets | 1.8038% | 3,931 |
| Loan and lease loss provision to assets | 0.0084% | 2,166 |
| Net operating income to assets | 0.8612% | 2,447 |
| Return on assets (ROA) | 0.8669% | 2,419 |
| Pretax return on assets | 0.8669% | 2,894 |
| Return on Equity (ROE) | 15.0787% | 636 |
| Retained earnings to average equity (ytd only) | 0.2440% | 3,969 |
| Net charge-offs to loans | 0.0176% | 1,180 |
| Credit loss provision to net charge-offs | 150.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 522 |
| Efficiency ratio | 67.4711% | 2,570 |
| Assets per employee ($millions) | 5.8632% | 2,929 |
| Cash dividends to net income (ytd only)* | 98.3819% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 4,088 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 694 |
| Noncurrent loans to loans | 0.0195% | 3,854 |
| Net loans and leases to total assets | 31.2694% | 4,411 |
| Net loans and leases to deposits | 32.7267% | 4,474 |
| Net loans and leases to core deposits | 33.2171% | 4,501 |
| Total domestic deposits to total assets | 95.5472% | 16 |
| Equity capital to assets | 4.3901% | 4,761 |
| Core capital (leverage) ratio | 7.4859% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1519% | 629 |
| Memoranda: | ||
| Average total assets | $142,585,000 | 3,592 |
| Average earning assets | $134,924,500 | 3,568 |
| Average equity | $8,197,000 | 4,251 |
| Average total loans | $45,473,000 | 4,049 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6341% | 4,379 |
| Cost of funding earning assets | 0.1669% | 3,806 |
| Net interest margin | 2.4672% | 4,234 |
| Noninterest income to average assets | 0.3865% | 3,129 |
| Noninterest expense to average assets | 1.8933% | 3,935 |
| Loan and lease loss provision to assets | 0.0014% | 3,042 |
| Net operating income to assets | 0.8263% | 3,253 |
| Return on assets (ROA) | 0.8328% | 3,303 |
| Pretax return on assets | 0.8328% | 3,658 |
| Return on Equity (ROE) | 11.1745% | 2,104 |
| Retained earnings to average equity (ytd only) | -0.5418% | 4,553 |
| Net charge-offs to loans | 0.0312% | 1,615 |
| Credit loss provision to net charge-offs | 15.3846% | 2,284 |
| Earnings coverage of net charge-offs (x) | 88.3077% | 940 |
| Efficiency ratio | 69.5813% | 1,788 |
| Assets per employee ($millions) | 5.3303% | 3,438 |
| Cash dividends to net income (ytd only)* | 104.8485% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,041 |
| Loan loss allowance to noncurrent loans | 4,522.2222% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 718 |
| Noncurrent loans to loans | 0.0201% | 3,926 |
| Net loans and leases to total assets | 31.9621% | 4,448 |
| Net loans and leases to deposits | 34.4552% | 4,515 |
| Net loans and leases to core deposits | 34.9362% | 4,538 |
| Total domestic deposits to total assets | 92.7642% | 65 |
| Equity capital to assets | 7.1860% | 4,682 |
| Core capital (leverage) ratio | 6.9479% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9683% | 896 |
| Memoranda: | ||
| Average total assets | $138,697,000 | 3,593 |
| Average earning assets | $131,240,400 | 3,557 |
| Average equity | $10,336,000 | 4,091 |
| Average total loans | $41,628,400 | 4,152 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6961% | 4,410 |
| Cost of funding earning assets | 0.1736% | 3,888 |
| Net interest margin | 2.5224% | 4,235 |
| Noninterest income to average assets | 0.3796% | 3,212 |
| Noninterest expense to average assets | 1.8194% | 4,129 |
| Loan and lease loss provision to assets | 0.0007% | 2,953 |
| Net operating income to assets | 0.9467% | 3,094 |
| Return on assets (ROA) | 0.9554% | 3,144 |
| Pretax return on assets | 0.9554% | 3,574 |
| Return on Equity (ROE) | 12.7063% | 1,796 |
| Retained earnings to average equity (ytd only) | -0.3324% | 4,599 |
| Net charge-offs to loans | 0.0294% | 1,462 |
| Credit loss provision to net charge-offs | 11.1111% | 2,019 |
| Earnings coverage of net charge-offs (x) | 109.5556% | 823 |
| Efficiency ratio | 65.7520% | 2,130 |
| Assets per employee ($millions) | 5.0826% | 3,624 |
| Cash dividends to net income (ytd only)* | 102.6157% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 3,976 |
| Loan loss allowance to noncurrent loans | 1,863.6364% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 864 |
| Noncurrent loans to loans | 0.0515% | 3,856 |
| Net loans and leases to total assets | 29.7141% | 4,599 |
| Net loans and leases to deposits | 32.1225% | 4,670 |
| Net loans and leases to core deposits | 32.5598% | 4,684 |
| Total domestic deposits to total assets | 92.5024% | 69 |
| Equity capital to assets | 7.4196% | 4,724 |
| Core capital (leverage) ratio | 7.0496% | 4,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6525% | 870 |
| Memoranda: | ||
| Average total assets | $138,724,000 | 3,639 |
| Average earning assets | $131,298,250 | 3,603 |
| Average equity | $10,430,250 | 4,143 |
| Average total loans | $40,859,750 | 4,224 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7084% | 4,448 |
| Cost of funding earning assets | 0.1860% | 3,892 |
| Net interest margin | 2.5224% | 4,274 |
| Noninterest income to average assets | 0.3737% | 3,246 |
| Noninterest expense to average assets | 1.7786% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9816% | 2,955 |
| Return on assets (ROA) | 0.9816% | 3,046 |
| Pretax return on assets | 0.9816% | 3,483 |
| Return on Equity (ROE) | 12.9966% | 1,720 |
| Retained earnings to average equity (ytd only) | 2.1180% | 4,087 |
| Net charge-offs to loans | 0.0248% | 1,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 630 |
| Efficiency ratio | 64.4362% | 2,371 |
| Assets per employee ($millions) | 5.4038% | 3,238 |
| Cash dividends to net income (ytd only)* | 83.7037% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,853 |
| Loan loss allowance to noncurrent loans | 153.5316% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 751 |
| Noncurrent loans to loans | 0.6451% | 1,801 |
| Net loans and leases to total assets | 29.3858% | 4,669 |
| Net loans and leases to deposits | 31.8334% | 4,729 |
| Net loans and leases to core deposits | 32.2731% | 4,741 |
| Total domestic deposits to total assets | 92.3110% | 78 |
| Equity capital to assets | 7.5338% | 4,728 |
| Core capital (leverage) ratio | 7.0116% | 4,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6907% | 735 |
| Memoranda: | ||
| Average total assets | $137,527,667 | 3,659 |
| Average earning assets | $130,112,667 | 3,625 |
| Average equity | $10,387,333 | 4,164 |
| Average total loans | $40,247,333 | 4,269 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4684% | 4,664 |
| Cost of funding earning assets | 0.2021% | 3,894 |
| Net interest margin | 2.2663% | 4,556 |
| Noninterest income to average assets | 0.3734% | 3,230 |
| Noninterest expense to average assets | 1.7818% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7351% | 3,615 |
| Return on assets (ROA) | 0.7351% | 3,684 |
| Pretax return on assets | 0.7351% | 3,941 |
| Return on Equity (ROE) | 9.7196% | 2,780 |
| Retained earnings to average equity (ytd only) | 0.8942% | 4,237 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7944% | 1,623 |
| Assets per employee ($millions) | 5.4958% | 3,120 |
| Cash dividends to net income (ytd only)* | 90.8000% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,636 |
| Loan loss allowance to noncurrent loans | 503.6145% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 1,050 |
| Noncurrent loans to loans | 0.2091% | 3,357 |
| Net loans and leases to total assets | 27.4865% | 4,763 |
| Net loans and leases to deposits | 29.5510% | 4,799 |
| Net loans and leases to core deposits | 29.9488% | 4,812 |
| Total domestic deposits to total assets | 93.0136% | 33 |
| Equity capital to assets | 6.8548% | 4,868 |
| Core capital (leverage) ratio | 6.8488% | 4,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1079% | 673 |
| Memoranda: | ||
| Average total assets | $136,041,500 | 3,683 |
| Average earning assets | $128,666,500 | 3,643 |
| Average equity | $10,288,500 | 4,184 |
| Average total loans | $39,521,000 | 4,318 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9123% | 4,700 |
| Cost of funding earning assets | 0.3038% | 4,119 |
| Net interest margin | 2.6084% | 4,491 |
| Noninterest income to average assets | 0.4539% | 2,850 |
| Noninterest expense to average assets | 2.1835% | 3,706 |
| Loan and lease loss provision to assets | 0.0041% | 4,290 |
| Net operating income to assets | 0.7117% | 3,394 |
| Return on assets (ROA) | 1.2297% | 1,557 |
| Pretax return on assets | 1.2297% | 2,226 |
| Return on Equity (ROE) | 14.7992% | 666 |
| Retained earnings to average equity (ytd only) | 1.7980% | 3,908 |
| Net charge-offs to loans | 0.0339% | 2,368 |
| Credit loss provision to net charge-offs | 38.4615% | 3,193 |
| Earnings coverage of net charge-offs (x) | 67.0769% | 1,003 |
| Efficiency ratio | 75.3114% | 1,303 |
| Assets per employee ($millions) | 4.9689% | 3,423 |
| Cash dividends to net income (ytd only)* | 87.8505% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,632 |
| Loan loss allowance to noncurrent loans | 503.6145% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 1,127 |
| Noncurrent loans to loans | 0.2109% | 3,442 |
| Net loans and leases to total assets | 30.1337% | 4,748 |
| Net loans and leases to deposits | 32.9137% | 4,801 |
| Net loans and leases to core deposits | 33.1997% | 4,821 |
| Total domestic deposits to total assets | 91.5536% | 126 |
| Equity capital to assets | 8.3458% | 4,555 |
| Core capital (leverage) ratio | 7.2817% | 4,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8445% | 676 |
| Memoranda: | ||
| Average total assets | $121,822,800 | 3,724 |
| Average earning assets | $114,206,000 | 3,707 |
| Average equity | $10,122,200 | 4,179 |
| Average total loans | $38,318,200 | 4,344 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9689% | 4,754 |
| Cost of funding earning assets | 0.3228% | 4,201 |
| Net interest margin | 2.6462% | 4,533 |
| Noninterest income to average assets | 0.4601% | 2,792 |
| Noninterest expense to average assets | 2.1803% | 3,725 |
| Loan and lease loss provision to assets | 0.0033% | 4,219 |
| Net operating income to assets | 0.7545% | 3,271 |
| Return on assets (ROA) | 1.4558% | 1,071 |
| Pretax return on assets | 1.4558% | 1,557 |
| Return on Equity (ROE) | 17.5412% | 398 |
| Retained earnings to average equity (ytd only) | 4.3117% | 2,889 |
| Net charge-offs to loans | 0.0490% | 1,909 |
| Credit loss provision to net charge-offs | 21.4286% | 2,977 |
| Earnings coverage of net charge-offs (x) | 48.7143% | 1,211 |
| Efficiency ratio | 74.2057% | 1,389 |
| Assets per employee ($millions) | 4.7377% | 3,553 |
| Cash dividends to net income (ytd only)* | 75.4198% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,516 |
| Loan loss allowance to noncurrent loans | 186.0987% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 1,091 |
| Noncurrent loans to loans | 0.5591% | 2,398 |
| Net loans and leases to total assets | 30.8555% | 4,803 |
| Net loans and leases to deposits | 33.7766% | 4,858 |
| Net loans and leases to core deposits | 34.0737% | 4,874 |
| Total domestic deposits to total assets | 91.3516% | 117 |
| Equity capital to assets | 8.4702% | 4,479 |
| Core capital (leverage) ratio | 7.6137% | 4,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7421% | 530 |
| Memoranda: | ||
| Average total assets | $119,980,750 | 3,736 |
| Average earning assets | $112,361,000 | 3,722 |
| Average equity | $9,957,250 | 4,205 |
| Average total loans | $38,060,750 | 4,373 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1092% | 4,786 |
| Cost of funding earning assets | 0.3562% | 4,243 |
| Net interest margin | 2.7529% | 4,503 |
| Noninterest income to average assets | 0.4108% | 3,015 |
| Noninterest expense to average assets | 2.2449% | 3,667 |
| Loan and lease loss provision to assets | 0.0017% | 4,129 |
| Net operating income to assets | 0.7329% | 3,271 |
| Return on assets (ROA) | 1.5392% | 934 |
| Pretax return on assets | 1.5392% | 1,369 |
| Return on Equity (ROE) | 18.6866% | 323 |
| Retained earnings to average equity (ytd only) | 5.3183% | 2,342 |
| Net charge-offs to loans | 0.0748% | 1,506 |
| Credit loss provision to net charge-offs | 7.1429% | 2,753 |
| Earnings coverage of net charge-offs (x) | 30.7857% | 1,414 |
| Efficiency ratio | 75.3432% | 1,327 |
| Assets per employee ($millions) | 4.5817% | 3,675 |
| Cash dividends to net income (ytd only)* | 71.5393% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,149 |
| Loan loss allowance to noncurrent loans | 497.5904% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9951% | 1,208 |
| Noncurrent loans to loans | 0.2181% | 3,601 |
| Net loans and leases to total assets | 30.4251% | 4,850 |
| Net loans and leases to deposits | 33.4441% | 4,895 |
| Net loans and leases to core deposits | 33.8468% | 4,905 |
| Total domestic deposits to total assets | 90.9730% | 152 |
| Equity capital to assets | 8.8532% | 4,211 |
| Core capital (leverage) ratio | 7.8781% | 4,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9753% | 584 |
| Memoranda: | ||
| Average total assets | $117,334,667 | 3,757 |
| Average earning assets | $109,482,667 | 3,750 |
| Average equity | $9,664,667 | 4,259 |
| Average total loans | $37,452,667 | 4,396 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2966% | 4,813 |
| Cost of funding earning assets | 0.4275% | 4,245 |
| Net interest margin | 2.8690% | 4,480 |
| Noninterest income to average assets | 0.4310% | 2,903 |
| Noninterest expense to average assets | 2.3303% | 3,696 |
| Loan and lease loss provision to assets | 0.0035% | 3,694 |
| Net operating income to assets | 0.7779% | 2,982 |
| Return on assets (ROA) | 1.2755% | 1,408 |
| Pretax return on assets | 1.2755% | 1,945 |
| Return on Equity (ROE) | 16.1401% | 405 |
| Retained earnings to average equity (ytd only) | 4.2124% | 2,599 |
| Net charge-offs to loans | 0.0215% | 1,939 |
| Credit loss provision to net charge-offs | 50.0000% | 2,057 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 533 |
| Efficiency ratio | 74.8874% | 1,702 |
| Assets per employee ($millions) | 4.0876% | 3,801 |
| Cash dividends to net income (ytd only)* | 73.9011% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,841 |
| Loan loss allowance to noncurrent loans | 223.6842% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 1,081 |
| Noncurrent loans to loans | 0.5215% | 2,698 |
| Net loans and leases to total assets | 31.4598% | 4,879 |
| Net loans and leases to deposits | 34.1063% | 4,932 |
| Net loans and leases to core deposits | 34.5444% | 4,939 |
| Total domestic deposits to total assets | 92.2406% | 28 |
| Equity capital to assets | 7.6843% | 5,017 |
| Core capital (leverage) ratio | 7.7235% | 5,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7771% | 668 |
| Memoranda: | ||
| Average total assets | $114,148,500 | 3,787 |
| Average earning assets | $106,656,000 | 3,778 |
| Average equity | $9,021,000 | 4,366 |
| Average total loans | $37,153,500 | 4,428 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6242% | 4,755 |
| Cost of funding earning assets | 0.4437% | 4,289 |
| Net interest margin | 3.1805% | 4,234 |
| Noninterest income to average assets | 0.5002% | 2,741 |
| Noninterest expense to average assets | 2.3882% | 3,716 |
| Loan and lease loss provision to assets | 0.0055% | 3,899 |
| Net operating income to assets | 1.0739% | 2,558 |
| Return on assets (ROA) | 1.0739% | 2,651 |
| Pretax return on assets | 1.0739% | 3,249 |
| Return on Equity (ROE) | 13.5583% | 989 |
| Retained earnings to average equity (ytd only) | 0.7417% | 4,478 |
| Net charge-offs to loans | 0.0101% | 3,322 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 287 |
| Efficiency ratio | 68.8724% | 2,332 |
| Assets per employee ($millions) | 4.2164% | 3,615 |
| Cash dividends to net income (ytd only)* | 94.5299% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 2,809 |
| Loan loss allowance to noncurrent loans | 645.4545% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.9583% | 1,318 |
| Noncurrent loans to loans | 0.1743% | 3,837 |
| Net loans and leases to total assets | 32.8953% | 4,923 |
| Net loans and leases to deposits | 35.8316% | 4,977 |
| Net loans and leases to core deposits | 36.1334% | 4,990 |
| Total domestic deposits to total assets | 91.8054% | 49 |
| Equity capital to assets | 8.1226% | 5,032 |
| Core capital (leverage) ratio | 7.9171% | 5,057 |
| Tier 1 risk-based capital ratio | 20.0502% | 1,319 |
| Total risk-based capital ratio | 21.0309% | 1,326 |
| Memoranda: | ||
| Average total assets | $108,951,200 | 3,846 |
| Average earning assets | $101,650,600 | 3,842 |
| Average equity | $8,629,400 | 4,430 |
| Average total loans | $39,536,800 | 4,411 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,783 |
| Cost of funding earning assets | 0.4701% | 4,263 |
| Net interest margin | 3.2281% | 4,237 |
| Noninterest income to average assets | 0.5062% | 2,687 |
| Noninterest expense to average assets | 2.3936% | 3,702 |
| Loan and lease loss provision to assets | 0.0062% | 3,756 |
| Net operating income to assets | 1.1151% | 2,514 |
| Return on assets (ROA) | 1.1151% | 2,604 |
| Pretax return on assets | 1.1151% | 3,258 |
| Return on Equity (ROE) | 14.1746% | 947 |
| Retained earnings to average equity (ytd only) | 0.6293% | 4,639 |
| Net charge-offs to loans | 0.0133% | 2,895 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 226.6360% | 405 |
| Efficiency ratio | 68.0986% | 2,400 |
| Assets per employee ($millions) | 3.8293% | 4,130 |
| Cash dividends to net income (ytd only)* | 95.5606% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,126 |
| Loan loss allowance to noncurrent loans | 83.0078% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 880 |
| Noncurrent loans to loans | 1.3026% | 1,185 |
| Net loans and leases to total assets | 36.2632% | 4,931 |
| Net loans and leases to deposits | 39.7373% | 5,001 |
| Net loans and leases to core deposits | 40.0951% | 5,032 |
| Total domestic deposits to total assets | 91.2571% | 75 |
| Equity capital to assets | 8.6281% | 4,953 |
| Core capital (leverage) ratio | 8.2372% | 5,052 |
| Tier 1 risk-based capital ratio | 19.5878% | 1,441 |
| Total risk-based capital ratio | 20.5462% | 1,477 |
| Memoranda: | ||
| Average total assets | $107,728,250 | 3,903 |
| Average earning assets | $100,407,250 | 3,900 |
| Average equity | $8,475,000 | 4,499 |
| Average total loans | $39,952,250 | 4,462 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7166% | 4,811 |
| Cost of funding earning assets | 0.4920% | 4,152 |
| Net interest margin | 3.2246% | 4,304 |
| Noninterest income to average assets | 0.5023% | 2,660 |
| Noninterest expense to average assets | 2.3578% | 3,853 |
| Loan and lease loss provision to assets | 0.0056% | 3,617 |
| Net operating income to assets | 1.1400% | 2,372 |
| Return on assets (ROA) | 1.1400% | 2,446 |
| Pretax return on assets | 1.1400% | 3,122 |
| Return on Equity (ROE) | 14.9702% | 770 |
| Retained earnings to average equity (ytd only) | 0.8276% | 4,482 |
| Net charge-offs to loans | 0.0100% | 2,773 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 261 |
| Efficiency ratio | 67.3016% | 2,638 |
| Assets per employee ($millions) | 3.9815% | 3,887 |
| Cash dividends to net income (ytd only)* | 94.4715% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,269 |
| Loan loss allowance to noncurrent loans | 696.7213% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 1,508 |
| Noncurrent loans to loans | 0.1526% | 3,999 |
| Net loans and leases to total assets | 36.7814% | 4,953 |
| Net loans and leases to deposits | 40.2402% | 5,045 |
| Net loans and leases to core deposits | 40.6009% | 5,072 |
| Total domestic deposits to total assets | 91.4047% | 65 |
| Equity capital to assets | 8.5060% | 5,039 |
| Core capital (leverage) ratio | 7.9145% | 5,185 |
| Tier 1 risk-based capital ratio | 18.8363% | 1,593 |
| Total risk-based capital ratio | 19.7587% | 1,630 |
| Memoranda: | ||
| Average total assets | $107,898,000 | 3,927 |
| Average earning assets | $100,414,330 | 3,925 |
| Average equity | $8,216,330 | 4,553 |
| Average total loans | $40,167,670 | 4,494 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 4,841 |
| Cost of funding earning assets | 0.4866% | 4,118 |
| Net interest margin | 3.2189% | 4,351 |
| Noninterest income to average assets | 0.5070% | 2,514 |
| Noninterest expense to average assets | 2.3793% | 3,822 |
| Loan and lease loss provision to assets | 0.0037% | 3,373 |
| Net operating income to assets | 1.1101% | 2,433 |
| Return on assets (ROA) | 1.1101% | 2,478 |
| Pretax return on assets | 1.1101% | 3,118 |
| Return on Equity (ROE) | 15.4789% | 666 |
| Retained earnings to average equity (ytd only) | 1.8575% | 4,107 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1144% | 2,624 |
| Assets per employee ($millions) | 4.2384% | 3,563 |
| Cash dividends to net income (ytd only)* | 88.0000% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 3,152 |
| Loan loss allowance to noncurrent loans | 634.3284% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.9066% | 1,550 |
| Noncurrent loans to loans | 0.1728% | 3,976 |
| Net loans and leases to total assets | 34.8092% | 5,053 |
| Net loans and leases to deposits | 37.6120% | 5,118 |
| Net loans and leases to core deposits | 37.9368% | 5,141 |
| Total domestic deposits to total assets | 92.5480% | 37 |
| Equity capital to assets | 7.3858% | 5,278 |
| Core capital (leverage) ratio | 7.8580% | 5,239 |
| Tier 1 risk-based capital ratio | 19.1060% | 1,526 |
| Total risk-based capital ratio | 20.0414% | 1,551 |
| Memoranda: | ||
| Average total assets | $108,097,000 | 3,967 |
| Average earning assets | $100,282,000 | 3,964 |
| Average equity | $7,752,500 | 4,645 |
| Average total loans | $40,269,000 | 4,530 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 4,897 |
| Cost of funding earning assets | 0.3711% | 4,148 |
| Net interest margin | 3.1476% | 4,582 |
| Noninterest income to average assets | 0.5709% | 2,444 |
| Noninterest expense to average assets | 2.3933% | 3,896 |
| Loan and lease loss provision to assets | 0.0018% | 4,063 |
| Net operating income to assets | 1.1095% | 2,555 |
| Return on assets (ROA) | 1.1233% | 2,503 |
| Pretax return on assets | 1.1233% | 3,193 |
| Return on Equity (ROE) | 16.5832% | 531 |
| Retained earnings to average equity (ytd only) | 0.2723% | 4,911 |
| Net charge-offs to loans | 0.0050% | 3,537 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 602.5000% | 178 |
| Efficiency ratio | 68.2895% | 2,496 |
| Assets per employee ($millions) | 3.9258% | 4,000 |
| Cash dividends to net income (ytd only)* | 98.3580% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 3,587 |
| Loan loss allowance to noncurrent loans | 662.5000% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 1,458 |
| Noncurrent loans to loans | 0.1533% | 4,057 |
| Net loans and leases to total assets | 38.9920% | 4,981 |
| Net loans and leases to deposits | 41.9249% | 5,082 |
| Net loans and leases to core deposits | 42.1412% | 5,121 |
| Total domestic deposits to total assets | 93.0045% | 34 |
| Equity capital to assets | 6.9493% | 5,337 |
| Core capital (leverage) ratio | 7.9519% | 5,254 |
| Tier 1 risk-based capital ratio | 17.9547% | 1,767 |
| Total risk-based capital ratio | 18.8353% | 1,831 |
| Memoranda: | ||
| Average total assets | $108,426,000 | 3,963 |
| Average earning assets | $101,062,400 | 3,961 |
| Average equity | $7,344,800 | 4,700 |
| Average total loans | $39,652,400 | 4,562 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4430% | 4,988 |
| Cost of funding earning assets | 0.3582% | 4,130 |
| Net interest margin | 3.0849% | 4,730 |
| Noninterest income to average assets | 0.5760% | 2,444 |
| Noninterest expense to average assets | 2.3784% | 3,902 |
| Loan and lease loss provision to assets | 0.0024% | 3,918 |
| Net operating income to assets | 1.0810% | 2,747 |
| Return on assets (ROA) | 1.0993% | 2,689 |
| Pretax return on assets | 1.0993% | 3,405 |
| Return on Equity (ROE) | 16.3314% | 639 |
| Retained earnings to average equity (ytd only) | 0.2180% | 5,002 |
| Net charge-offs to loans | 0.0068% | 3,188 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 442.4345% | 210 |
| Efficiency ratio | 68.7036% | 2,405 |
| Assets per employee ($millions) | 3.7684% | 4,217 |
| Cash dividends to net income (ytd only)* | 98.6652% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,273 |
| Loan loss allowance to noncurrent loans | 673.0159% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 1,557 |
| Noncurrent loans to loans | 0.1613% | 4,160 |
| Net loans and leases to total assets | 36.6128% | 5,120 |
| Net loans and leases to deposits | 39.1956% | 5,224 |
| Net loans and leases to core deposits | 39.3979% | 5,247 |
| Total domestic deposits to total assets | 93.4104% | 21 |
| Equity capital to assets | 6.4948% | 5,425 |
| Core capital (leverage) ratio | 8.0337% | 5,309 |
| Tier 1 risk-based capital ratio | 19.0700% | 1,519 |
| Total risk-based capital ratio | 20.0062% | 1,565 |
| Memoranda: | ||
| Average total assets | $109,033,500 | 3,999 |
| Average earning assets | $102,000,750 | 3,986 |
| Average equity | $7,339,500 | 4,746 |
| Average total loans | $39,127,000 | 4,626 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 5,057 |
| Cost of funding earning assets | 0.3549% | 4,043 |
| Net interest margin | 3.0290% | 4,842 |
| Noninterest income to average assets | 0.5898% | 2,385 |
| Noninterest expense to average assets | 2.2921% | 4,161 |
| Loan and lease loss provision to assets | 0.0018% | 3,763 |
| Net operating income to assets | 1.1306% | 2,473 |
| Return on assets (ROA) | 1.1560% | 2,369 |
| Pretax return on assets | 1.1560% | 3,109 |
| Return on Equity (ROE) | 16.9829% | 526 |
| Retained earnings to average equity (ytd only) | 1.7329% | 4,552 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9316% | 2,837 |
| Assets per employee ($millions) | 4.1563% | 3,645 |
| Cash dividends to net income (ytd only)* | 89.7959% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,389 |
| Loan loss allowance to noncurrent loans | 404.7619% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9578% | 1,572 |
| Noncurrent loans to loans | 0.2666% | 3,754 |
| Net loans and leases to total assets | 36.0472% | 5,179 |
| Net loans and leases to deposits | 38.6510% | 5,277 |
| Net loans and leases to core deposits | 38.8460% | 5,305 |
| Total domestic deposits to total assets | 93.2633% | 28 |
| Equity capital to assets | 6.6470% | 5,474 |
| Core capital (leverage) ratio | 7.7127% | 5,413 |
| Tier 1 risk-based capital ratio | 18.9114% | 1,568 |
| Total risk-based capital ratio | 19.8363% | 1,619 |
| Memoranda: | ||
| Average total assets | $110,206,330 | 4,013 |
| Average earning assets | $103,137,000 | 4,001 |
| Average equity | $7,501,670 | 4,773 |
| Average total loans | $39,150,670 | 4,667 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3152% | 5,119 |
| Cost of funding earning assets | 0.3304% | 4,132 |
| Net interest margin | 2.9848% | 4,899 |
| Noninterest income to average assets | 0.5931% | 2,298 |
| Noninterest expense to average assets | 2.3365% | 4,092 |
| Loan and lease loss provision to assets | 0.0036% | 3,466 |
| Net operating income to assets | 1.0460% | 2,665 |
| Return on assets (ROA) | 1.1000% | 2,435 |
| Pretax return on assets | 1.1000% | 3,175 |
| Return on Equity (ROE) | 15.9770% | 622 |
| Retained earnings to average equity (ytd only) | 1.2531% | 4,562 |
| Net charge-offs to loans | -0.0102% | 4,259 |
| Credit loss provision to net charge-offs | -100.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0021% | 2,666 |
| Assets per employee ($millions) | 4.1399% | 3,747 |
| Cash dividends to net income (ytd only)* | 92.1569% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,259 |
| Loan loss allowance to noncurrent loans | 352.0661% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 1,682 |
| Noncurrent loans to loans | 0.3185% | 3,626 |
| Net loans and leases to total assets | 33.6098% | 5,284 |
| Net loans and leases to deposits | 35.9582% | 5,360 |
| Net loans and leases to core deposits | 36.1332% | 5,391 |
| Total domestic deposits to total assets | 93.4691% | 26 |
| Equity capital to assets | 6.4593% | 5,545 |
| Core capital (leverage) ratio | 7.7004% | 5,470 |
| Tier 1 risk-based capital ratio | 19.4688% | 1,441 |
| Total risk-based capital ratio | 20.4277% | 1,466 |
| Memoranda: | ||
| Average total assets | $111,277,500 | 4,042 |
| Average earning assets | $104,126,000 | 4,026 |
| Average equity | $7,661,000 | 4,801 |
| Average total loans | $39,036,500 | 4,723 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2570% | 5,126 |
| Cost of funding earning assets | 0.2671% | 4,421 |
| Net interest margin | 2.9899% | 4,908 |
| Noninterest income to average assets | 0.5058% | 2,963 |
| Noninterest expense to average assets | 2.3543% | 4,200 |
| Loan and lease loss provision to assets | 0.0036% | 4,177 |
| Net operating income to assets | 0.9486% | 2,458 |
| Return on assets (ROA) | 0.9495% | 2,480 |
| Pretax return on assets | 0.9495% | 3,739 |
| Return on Equity (ROE) | 12.6193% | 1,053 |
| Retained earnings to average equity (ytd only) | -0.6340% | 5,136 |
| Net charge-offs to loans | 0.0077% | 3,805 |
| Credit loss provision to net charge-offs | 133.3333% | 1,977 |
| Earnings coverage of net charge-offs (x) | 352.6667% | 250 |
| Efficiency ratio | 71.2030% | 2,357 |
| Assets per employee ($millions) | 4.2607% | 3,560 |
| Cash dividends to net income (ytd only)* | 105.0237% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,574 |
| Loan loss allowance to noncurrent loans | 347.5410% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 1,634 |
| Noncurrent loans to loans | 0.3044% | 3,690 |
| Net loans and leases to total assets | 35.7968% | 5,292 |
| Net loans and leases to deposits | 38.6456% | 5,376 |
| Net loans and leases to core deposits | 38.8093% | 5,406 |
| Total domestic deposits to total assets | 92.6285% | 44 |
| Equity capital to assets | 7.3137% | 5,563 |
| Core capital (leverage) ratio | 7.6401% | 5,533 |
| Tier 1 risk-based capital ratio | 18.6797% | 1,595 |
| Total risk-based capital ratio | 19.5980% | 1,648 |
| Memoranda: | ||
| Average total assets | $111,116,000 | 4,038 |
| Average earning assets | $104,084,400 | 4,022 |
| Average equity | $8,360,200 | 4,724 |
| Average total loans | $39,027,400 | 4,754 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2296% | 5,197 |
| Cost of funding earning assets | 0.2611% | 4,471 |
| Net interest margin | 2.9684% | 4,992 |
| Noninterest income to average assets | 0.5036% | 3,010 |
| Noninterest expense to average assets | 2.3321% | 4,209 |
| Loan and lease loss provision to assets | 0.0048% | 4,026 |
| Net operating income to assets | 0.9472% | 2,795 |
| Return on assets (ROA) | 0.9484% | 2,854 |
| Pretax return on assets | 0.9484% | 3,878 |
| Return on Equity (ROE) | 12.5184% | 1,181 |
| Retained earnings to average equity (ytd only) | -0.6964% | 5,316 |
| Net charge-offs to loans | 0.0137% | 3,247 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 198.6191% | 437 |
| Efficiency ratio | 71.0113% | 2,362 |
| Assets per employee ($millions) | 4.1354% | 3,767 |
| Cash dividends to net income (ytd only)* | 105.5630% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,560 |
| Loan loss allowance to noncurrent loans | 244.5087% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9583% | 1,776 |
| Noncurrent loans to loans | 0.4451% | 3,370 |
| Net loans and leases to total assets | 34.4295% | 5,404 |
| Net loans and leases to deposits | 37.3817% | 5,473 |
| Net loans and leases to core deposits | 37.5398% | 5,501 |
| Total domestic deposits to total assets | 92.1026% | 56 |
| Equity capital to assets | 7.8087% | 5,568 |
| Core capital (leverage) ratio | 7.7724% | 5,580 |
| Tier 1 risk-based capital ratio | 19.1373% | 1,547 |
| Total risk-based capital ratio | 20.0749% | 1,591 |
| Memoranda: | ||
| Average total assets | $111,200,500 | 4,083 |
| Average earning assets | $104,160,000 | 4,064 |
| Average equity | $8,424,750 | 4,763 |
| Average total loans | $38,764,500 | 4,814 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2206% | 5,209 |
| Cost of funding earning assets | 0.2575% | 4,478 |
| Net interest margin | 2.9631% | 4,984 |
| Noninterest income to average assets | 0.4917% | 3,073 |
| Noninterest expense to average assets | 2.2513% | 4,459 |
| Loan and lease loss provision to assets | 0.0054% | 3,805 |
| Net operating income to assets | 1.0122% | 2,371 |
| Return on assets (ROA) | 1.0140% | 2,398 |
| Pretax return on assets | 1.0140% | 3,508 |
| Return on Equity (ROE) | 13.5228% | 919 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | 0.0258% | 2,699 |
| Credit loss provision to net charge-offs | 60.0000% | 2,465 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 602 |
| Efficiency ratio | 68.8705% | 2,864 |
| Assets per employee ($millions) | 4.5156% | 3,079 |
| Cash dividends to net income (ytd only)* | 100.0000% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,598 |
| Loan loss allowance to noncurrent loans | 276.9737% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8566% | 2,065 |
| Noncurrent loans to loans | 0.3962% | 3,607 |
| Net loans and leases to total assets | 33.6153% | 5,459 |
| Net loans and leases to deposits | 36.5545% | 5,528 |
| Net loans and leases to core deposits | 36.7080% | 5,557 |
| Total domestic deposits to total assets | 91.9594% | 79 |
| Equity capital to assets | 7.9689% | 5,548 |
| Core capital (leverage) ratio | 7.6410% | 5,623 |
| Tier 1 risk-based capital ratio | 19.2884% | 1,520 |
| Total risk-based capital ratio | 20.2240% | 1,545 |
| Memoranda: | ||
| Average total assets | $111,048,330 | 4,114 |
| Average earning assets | $104,078,670 | 4,095 |
| Average equity | $8,326,670 | 4,794 |
| Average total loans | $38,730,670 | 4,853 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2292% | 5,198 |
| Cost of funding earning assets | 0.2403% | 4,634 |
| Net interest margin | 2.9888% | 4,910 |
| Noninterest income to average assets | 0.5012% | 2,973 |
| Noninterest expense to average assets | 2.3318% | 4,316 |
| Loan and lease loss provision to assets | 0.0036% | 3,511 |
| Net operating income to assets | 0.9661% | 2,452 |
| Return on assets (ROA) | 0.9661% | 2,506 |
| Pretax return on assets | 0.9661% | 3,512 |
| Return on Equity (ROE) | 13.3133% | 938 |
| Retained earnings to average equity (ytd only) | -0.5005% | 5,001 |
| Net charge-offs to loans | 0.0308% | 2,148 |
| Credit loss provision to net charge-offs | 33.3333% | 2,097 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 597 |
| Efficiency ratio | 70.6271% | 2,798 |
| Assets per employee ($millions) | 4.3397% | 3,436 |
| Cash dividends to net income (ytd only)* | 103.7594% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,633 |
| Loan loss allowance to noncurrent loans | 457.6087% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 2,364 |
| Noncurrent loans to loans | 0.2434% | 4,235 |
| Net loans and leases to total assets | 33.1295% | 5,494 |
| Net loans and leases to deposits | 35.7419% | 5,589 |
| Net loans and leases to core deposits | 35.8908% | 5,622 |
| Total domestic deposits to total assets | 92.6910% | 51 |
| Equity capital to assets | 7.2585% | 5,724 |
| Core capital (leverage) ratio | 7.6311% | 5,674 |
| Tier 1 risk-based capital ratio | 19.2141% | 1,556 |
| Total risk-based capital ratio | 20.1472% | 1,600 |
| Memoranda: | ||
| Average total assets | $110,128,000 | 4,174 |
| Average earning assets | $103,183,500 | 4,148 |
| Average equity | $7,992,000 | 4,898 |
| Average total loans | $38,911,500 | 4,891 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2602% | 5,219 |
| Cost of funding earning assets | 0.2107% | 4,920 |
| Net interest margin | 3.0495% | 4,850 |
| Noninterest income to average assets | 0.5163% | 3,124 |
| Noninterest expense to average assets | 2.3417% | 4,445 |
| Loan and lease loss provision to assets | 0.1212% | 2,037 |
| Net operating income to assets | 0.9186% | 2,728 |
| Return on assets (ROA) | 1.0262% | 2,339 |
| Pretax return on assets | 1.0262% | 3,379 |
| Return on Equity (ROE) | 12.3536% | 1,159 |
| Retained earnings to average equity (ytd only) | -1.2082% | 5,473 |
| Net charge-offs to loans | 0.3580% | 763 |
| Credit loss provision to net charge-offs | 95.0355% | 2,701 |
| Earnings coverage of net charge-offs (x) | 8.1560% | 2,911 |
| Efficiency ratio | 69.2513% | 3,030 |
| Assets per employee ($millions) | 4.1317% | 3,734 |
| Cash dividends to net income (ytd only)* | 109.7797% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,967 |
| Loan loss allowance to noncurrent loans | 410.6796% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 2,480 |
| Noncurrent loans to loans | 0.2574% | 4,228 |
| Net loans and leases to total assets | 36.8618% | 5,458 |
| Net loans and leases to deposits | 40.0113% | 5,554 |
| Net loans and leases to core deposits | 40.1578% | 5,592 |
| Total domestic deposits to total assets | 92.1283% | 91 |
| Equity capital to assets | 7.2554% | 5,764 |
| Core capital (leverage) ratio | 7.9641% | 5,635 |
| Tier 1 risk-based capital ratio | 18.5425% | 1,714 |
| Total risk-based capital ratio | 19.4462% | 1,762 |
| Memoranda: | ||
| Average total assets | $110,605,000 | 4,149 |
| Average earning assets | $103,919,800 | 4,118 |
| Average equity | $9,187,600 | 4,718 |
| Average total loans | $39,389,400 | 4,896 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 5,285 |
| Cost of funding earning assets | 0.2098% | 4,975 |
| Net interest margin | 3.0377% | 4,930 |
| Noninterest income to average assets | 0.5111% | 3,178 |
| Noninterest expense to average assets | 2.3351% | 4,446 |
| Loan and lease loss provision to assets | 0.1580% | 1,469 |
| Net operating income to assets | 0.8773% | 3,023 |
| Return on assets (ROA) | 1.0197% | 2,467 |
| Pretax return on assets | 1.0197% | 3,551 |
| Return on Equity (ROE) | 11.9124% | 1,356 |
| Retained earnings to average equity (ytd only) | -2.8103% | 5,642 |
| Net charge-offs to loans | 0.4690% | 449 |
| Credit loss provision to net charge-offs | 95.6522% | 2,445 |
| Earnings coverage of net charge-offs (x) | 6.2679% | 3,017 |
| Efficiency ratio | 69.2827% | 3,005 |
| Assets per employee ($millions) | 3.9970% | 3,972 |
| Cash dividends to net income (ytd only)* | 123.5913% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 4,074 |
| Loan loss allowance to noncurrent loans | 49.4172% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8553% | 2,421 |
| Noncurrent loans to loans | 2.1434% | 884 |
| Net loans and leases to total assets | 36.6988% | 5,518 |
| Net loans and leases to deposits | 40.3232% | 5,626 |
| Net loans and leases to core deposits | 40.4719% | 5,670 |
| Total domestic deposits to total assets | 91.0118% | 195 |
| Equity capital to assets | 8.8900% | 5,250 |
| Core capital (leverage) ratio | 7.8663% | 5,736 |
| Tier 1 risk-based capital ratio | 18.7120% | 1,731 |
| Total risk-based capital ratio | 19.6357% | 1,778 |
| Memoranda: | ||
| Average total assets | $111,400,500 | 4,166 |
| Average earning assets | $104,856,500 | 4,123 |
| Average equity | $9,536,000 | 4,702 |
| Average total loans | $39,231,500 | 4,950 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2550% | 5,357 |
| Cost of funding earning assets | 0.2135% | 5,003 |
| Net interest margin | 3.0415% | 4,991 |
| Noninterest income to average assets | 0.4940% | 3,236 |
| Noninterest expense to average assets | 2.2246% | 4,788 |
| Loan and lease loss provision to assets | 0.0036% | 3,970 |
| Net operating income to assets | 1.1265% | 1,865 |
| Return on assets (ROA) | 1.2651% | 1,492 |
| Pretax return on assets | 1.2651% | 2,540 |
| Return on Equity (ROE) | 14.9632% | 672 |
| Retained earnings to average equity (ytd only) | 1.3870% | 4,826 |
| Net charge-offs to loans | -0.0051% | 4,528 |
| Credit loss provision to net charge-offs | -200.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3136% | 3,626 |
| Assets per employee ($millions) | 4.1709% | 3,617 |
| Cash dividends to net income (ytd only)* | 90.7303% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,906 |
| Loan loss allowance to noncurrent loans | 330.5344% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 4,804 |
| Noncurrent loans to loans | 0.3351% | 4,165 |
| Net loans and leases to total assets | 34.3258% | 5,664 |
| Net loans and leases to deposits | 37.6581% | 5,752 |
| Net loans and leases to core deposits | 37.7910% | 5,790 |
| Total domestic deposits to total assets | 91.1513% | 164 |
| Equity capital to assets | 8.7759% | 5,423 |
| Core capital (leverage) ratio | 7.7817% | 5,825 |
| Tier 1 risk-based capital ratio | 19.3211% | 1,620 |
| Total risk-based capital ratio | 20.2657% | 1,660 |
| Memoranda: | ||
| Average total assets | $112,561,000 | 4,175 |
| Average earning assets | $105,867,670 | 4,135 |
| Average equity | $9,516,670 | 4,739 |
| Average total loans | $38,965,670 | 5,007 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2959% | 5,329 |
| Cost of funding earning assets | 0.2195% | 5,008 |
| Net interest margin | 3.0764% | 4,931 |
| Noninterest income to average assets | 0.4941% | 3,163 |
| Noninterest expense to average assets | 2.2713% | 4,737 |
| Loan and lease loss provision to assets | 0.0071% | 3,587 |
| Net operating income to assets | 1.1054% | 1,880 |
| Return on assets (ROA) | 1.1054% | 1,983 |
| Pretax return on assets | 1.1054% | 3,073 |
| Return on Equity (ROE) | 13.3283% | 961 |
| Retained earnings to average equity (ytd only) | -0.3000% | 5,161 |
| Net charge-offs to loans | 0.0103% | 2,778 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 191 |
| Efficiency ratio | 67.1218% | 3,609 |
| Assets per employee ($millions) | 4.1873% | 3,609 |
| Cash dividends to net income (ytd only)* | 102.2508% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,921 |
| Loan loss allowance to noncurrent loans | 231.7204% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,674 |
| Noncurrent loans to loans | 0.4853% | 3,727 |
| Net loans and leases to total assets | 33.5200% | 5,730 |
| Net loans and leases to deposits | 36.6466% | 5,812 |
| Net loans and leases to core deposits | 36.7750% | 5,843 |
| Total domestic deposits to total assets | 91.4681% | 164 |
| Equity capital to assets | 8.4771% | 5,583 |
| Core capital (leverage) ratio | 7.6835% | 5,878 |
| Tier 1 risk-based capital ratio | 19.2834% | 1,663 |
| Total risk-based capital ratio | 20.2297% | 1,705 |
| Memoranda: | ||
| Average total assets | $112,534,000 | 4,214 |
| Average earning assets | $105,706,500 | 4,167 |
| Average equity | $9,333,500 | 4,795 |
| Average total loans | $38,904,000 | 5,050 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2618% | 5,412 |
| Cost of funding earning assets | 0.2140% | 5,149 |
| Net interest margin | 3.0478% | 5,029 |
| Noninterest income to average assets | 0.4802% | 3,461 |
| Noninterest expense to average assets | 2.4675% | 4,330 |
| Loan and lease loss provision to assets | 0.0090% | 4,220 |
| Net operating income to assets | 0.8671% | 3,035 |
| Return on assets (ROA) | 0.9182% | 2,857 |
| Pretax return on assets | 0.9182% | 3,774 |
| Return on Equity (ROE) | 10.7786% | 1,695 |
| Retained earnings to average equity (ytd only) | -2.4550% | 5,781 |
| Net charge-offs to loans | 0.0601% | 3,018 |
| Credit loss provision to net charge-offs | 41.6667% | 3,511 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,167 |
| Efficiency ratio | 69.4228% | 3,317 |
| Assets per employee ($millions) | 4.3081% | 3,369 |
| Cash dividends to net income (ytd only)* | 122.7761% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 4,104 |
| Loan loss allowance to noncurrent loans | 219.3878% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 4,303 |
| Noncurrent loans to loans | 0.4965% | 3,705 |
| Net loans and leases to total assets | 34.8630% | 5,743 |
| Net loans and leases to deposits | 37.9627% | 5,839 |
| Net loans and leases to core deposits | 38.0697% | 5,877 |
| Total domestic deposits to total assets | 91.8347% | 125 |
| Equity capital to assets | 8.1091% | 5,808 |
| Core capital (leverage) ratio | 7.7734% | 5,917 |
| Tier 1 risk-based capital ratio | 18.9509% | 1,711 |
| Total risk-based capital ratio | 19.8780% | 1,747 |
| Memoranda: | ||
| Average total assets | $111,410,000 | 4,234 |
| Average earning assets | $104,667,000 | 4,173 |
| Average equity | $9,491,000 | 4,752 |
| Average total loans | $39,966,200 | 5,019 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2546% | 5,497 |
| Cost of funding earning assets | 0.2166% | 5,218 |
| Net interest margin | 3.0380% | 5,107 |
| Noninterest income to average assets | 0.4769% | 3,520 |
| Noninterest expense to average assets | 2.2697% | 4,859 |
| Loan and lease loss provision to assets | 0.0036% | 4,187 |
| Net operating income to assets | 1.0606% | 2,164 |
| Return on assets (ROA) | 1.1289% | 1,973 |
| Pretax return on assets | 1.1289% | 3,104 |
| Return on Equity (ROE) | 13.0926% | 1,101 |
| Retained earnings to average equity (ytd only) | -0.2919% | 5,658 |
| Net charge-offs to loans | 0.0632% | 2,684 |
| Credit loss provision to net charge-offs | 15.7895% | 3,396 |
| Earnings coverage of net charge-offs (x) | 46.7418% | 1,111 |
| Efficiency ratio | 67.2897% | 3,665 |
| Assets per employee ($millions) | 4.2656% | 3,392 |
| Cash dividends to net income (ytd only)* | 102.2294% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 4,389 |
| Loan loss allowance to noncurrent loans | 210.8374% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 4,443 |
| Noncurrent loans to loans | 0.5076% | 3,825 |
| Net loans and leases to total assets | 35.6774% | 5,794 |
| Net loans and leases to deposits | 39.0544% | 5,899 |
| Net loans and leases to core deposits | 39.1662% | 5,940 |
| Total domestic deposits to total assets | 91.3530% | 177 |
| Equity capital to assets | 8.5686% | 5,664 |
| Core capital (leverage) ratio | 8.0182% | 5,889 |
| Tier 1 risk-based capital ratio | 19.3514% | 1,693 |
| Total risk-based capital ratio | 20.2773% | 1,736 |
| Memoranda: | ||
| Average total assets | $111,260,000 | 4,281 |
| Average earning assets | $104,628,250 | 4,224 |
| Average equity | $9,593,000 | 4,788 |
| Average total loans | $40,087,750 | 5,061 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2492% | 5,538 |
| Cost of funding earning assets | 0.2179% | 5,284 |
| Net interest margin | 3.0313% | 5,148 |
| Noninterest income to average assets | 0.4741% | 3,528 |
| Noninterest expense to average assets | 2.3003% | 4,844 |
| Loan and lease loss provision to assets | 0.0018% | 4,047 |
| Net operating income to assets | 1.0199% | 2,296 |
| Return on assets (ROA) | 1.1223% | 1,954 |
| Pretax return on assets | 1.1223% | 3,083 |
| Return on Equity (ROE) | 12.9897% | 1,117 |
| Retained earnings to average equity (ytd only) | -1.0184% | 5,691 |
| Net charge-offs to loans | 0.0947% | 2,072 |
| Credit loss provision to net charge-offs | 5.2632% | 3,126 |
| Earnings coverage of net charge-offs (x) | 29.9474% | 1,366 |
| Efficiency ratio | 68.4324% | 3,606 |
| Assets per employee ($millions) | 4.3116% | 3,285 |
| Cash dividends to net income (ytd only)* | 107.8400% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 4,452 |
| Loan loss allowance to noncurrent loans | 154.3478% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 4,336 |
| Noncurrent loans to loans | 0.6982% | 3,398 |
| Net loans and leases to total assets | 34.8834% | 5,867 |
| Net loans and leases to deposits | 38.1174% | 5,972 |
| Net loans and leases to core deposits | 38.2251% | 6,016 |
| Total domestic deposits to total assets | 91.5158% | 181 |
| Equity capital to assets | 8.4040% | 5,756 |
| Core capital (leverage) ratio | 7.9143% | 5,968 |
| Tier 1 risk-based capital ratio | 19.1654% | 1,761 |
| Total risk-based capital ratio | 20.0813% | 1,803 |
| Memoranda: | ||
| Average total assets | $111,378,330 | 4,310 |
| Average earning assets | $104,642,330 | 4,254 |
| Average equity | $9,623,000 | 4,817 |
| Average total loans | $40,118,330 | 5,099 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2758% | 5,502 |
| Cost of funding earning assets | 0.2184% | 5,332 |
| Net interest margin | 3.0574% | 5,068 |
| Noninterest income to average assets | 0.4468% | 3,653 |
| Noninterest expense to average assets | 2.1654% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1566% | 1,681 |
| Return on assets (ROA) | 1.3620% | 1,176 |
| Pretax return on assets | 1.3620% | 2,032 |
| Return on Equity (ROE) | 15.5492% | 627 |
| Retained earnings to average equity (ytd only) | 1.3163% | 4,959 |
| Net charge-offs to loans | 0.1683% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.8824% | 1,469 |
| Efficiency ratio | 64.4252% | 4,412 |
| Assets per employee ($millions) | 4.7057% | 2,755 |
| Cash dividends to net income (ytd only)* | 91.5344% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 4,548 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 3,698 |
| Noncurrent loans to loans | 1.2501% | 2,287 |
| Net loans and leases to total assets | 34.1872% | 5,918 |
| Net loans and leases to deposits | 37.4785% | 6,004 |
| Net loans and leases to core deposits | 37.5840% | 6,057 |
| Total domestic deposits to total assets | 91.2181% | 290 |
| Equity capital to assets | 8.7155% | 5,562 |
| Core capital (leverage) ratio | 7.8978% | 5,990 |
| Tier 1 risk-based capital ratio | 19.4569% | 1,746 |
| Total risk-based capital ratio | 20.3808% | 1,790 |
| Memoranda: | ||
| Average total assets | $111,016,500 | 4,345 |
| Average earning assets | $104,401,000 | 4,293 |
| Average equity | $9,724,000 | 4,844 |
| Average total loans | $40,412,000 | 5,123 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4641% | 5,410 |
| Cost of funding earning assets | 0.2420% | 5,405 |
| Net interest margin | 3.2221% | 4,852 |
| Noninterest income to average assets | 0.5206% | 3,357 |
| Noninterest expense to average assets | 2.2941% | 5,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2510% | 1,429 |
| Return on assets (ROA) | 1.2630% | 1,452 |
| Pretax return on assets | 1.2630% | 2,381 |
| Return on Equity (ROE) | 15.1412% | 758 |
| Retained earnings to average equity (ytd only) | 1.7203% | 4,959 |
| Net charge-offs to loans | 0.0546% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 61.8182% | 773 |
| Efficiency ratio | 63.9595% | 4,590 |
| Assets per employee ($millions) | 4.1960% | 3,554 |
| Cash dividends to net income (ytd only)* | 88.6380% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 4,752 |
| Loan loss allowance to noncurrent loans | 203.6697% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 4,870 |
| Noncurrent loans to loans | 0.5217% | 4,108 |
| Net loans and leases to total assets | 37.8960% | 5,858 |
| Net loans and leases to deposits | 41.5775% | 5,980 |
| Net loans and leases to core deposits | 41.5775% | 6,058 |
| Total domestic deposits to total assets | 91.1454% | 324 |
| Equity capital to assets | 8.8042% | 5,485 |
| Core capital (leverage) ratio | 8.1018% | 5,931 |
| Tier 1 risk-based capital ratio | 18.6547% | 1,944 |
| Total risk-based capital ratio | 19.5895% | 2,000 |
| Memoranda: | ||
| Average total assets | $108,712,000 | 4,402 |
| Average earning assets | $102,046,600 | 4,355 |
| Average equity | $9,068,000 | 4,961 |
| Average total loans | $40,297,600 | 5,173 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,499 |
| Cost of funding earning assets | 0.2431% | 5,477 |
| Net interest margin | 3.2064% | 4,945 |
| Noninterest income to average assets | 0.5119% | 3,467 |
| Noninterest expense to average assets | 2.2439% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2791% | 1,440 |
| Return on assets (ROA) | 1.2828% | 1,474 |
| Pretax return on assets | 1.2828% | 2,445 |
| Return on Equity (ROE) | 15.5959% | 732 |
| Retained earnings to average equity (ytd only) | 2.6863% | 4,676 |
| Net charge-offs to loans | 0.0701% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 49.6179% | 985 |
| Efficiency ratio | 62.9268% | 4,741 |
| Assets per employee ($millions) | 4.1475% | 3,568 |
| Cash dividends to net income (ytd only)* | 82.7747% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 4,940 |
| Loan loss allowance to noncurrent loans | 161.8182% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 5,184 |
| Noncurrent loans to loans | 0.6554% | 3,974 |
| Net loans and leases to total assets | 38.4986% | 5,913 |
| Net loans and leases to deposits | 42.1952% | 6,039 |
| Net loans and leases to core deposits | 42.3027% | 6,108 |
| Total domestic deposits to total assets | 91.2394% | 295 |
| Equity capital to assets | 8.6642% | 5,673 |
| Core capital (leverage) ratio | 7.9631% | 6,094 |
| Tier 1 risk-based capital ratio | 18.7733% | 1,965 |
| Total risk-based capital ratio | 19.7145% | 2,026 |
| Memoranda: | ||
| Average total assets | $108,616,000 | 4,449 |
| Average earning assets | $102,001,500 | 4,389 |
| Average equity | $8,933,750 | 5,027 |
| Average total loans | $39,925,250 | 5,246 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 5,596 |
| Cost of funding earning assets | 0.2447% | 5,538 |
| Net interest margin | 3.1692% | 5,046 |
| Noninterest income to average assets | 0.4996% | 3,488 |
| Noninterest expense to average assets | 2.2705% | 5,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2032% | 1,578 |
| Return on assets (ROA) | 1.2032% | 1,648 |
| Pretax return on assets | 1.2032% | 2,656 |
| Return on Equity (ROE) | 14.8909% | 808 |
| Retained earnings to average equity (ytd only) | 1.1140% | 5,313 |
| Net charge-offs to loans | 0.0713% | 2,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 46.7857% | 955 |
| Efficiency ratio | 64.6219% | 4,593 |
| Assets per employee ($millions) | 4.1800% | 3,496 |
| Cash dividends to net income (ytd only)* | 92.5191% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 4,830 |
| Loan loss allowance to noncurrent loans | 193.1624% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 5,220 |
| Noncurrent loans to loans | 0.5781% | 4,287 |
| Net loans and leases to total assets | 36.8274% | 6,014 |
| Net loans and leases to deposits | 40.7232% | 6,123 |
| Net loans and leases to core deposits | 40.7232% | 6,198 |
| Total domestic deposits to total assets | 90.4334% | 609 |
| Equity capital to assets | 8.5416% | 5,767 |
| Core capital (leverage) ratio | 7.9343% | 6,142 |
| Tier 1 risk-based capital ratio | 19.2348% | 1,868 |
| Total risk-based capital ratio | 20.2298% | 1,891 |
| Memoranda: | ||
| Average total assets | $108,876,330 | 4,469 |
| Average earning assets | $102,172,330 | 4,408 |
| Average equity | $8,797,330 | 5,084 |
| Average total loans | $39,247,000 | 5,306 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 5,701 |
| Cost of funding earning assets | 0.2464% | 5,620 |
| Net interest margin | 3.1291% | 5,151 |
| Noninterest income to average assets | 0.4735% | 3,610 |
| Noninterest expense to average assets | 2.1913% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2186% | 1,430 |
| Return on assets (ROA) | 1.2186% | 1,488 |
| Pretax return on assets | 1.2186% | 2,398 |
| Return on Equity (ROE) | 15.5240% | 702 |
| Retained earnings to average equity (ytd only) | -0.7014% | 5,678 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6168% | 4,918 |
| Assets per employee ($millions) | 4.4642% | 3,036 |
| Cash dividends to net income (ytd only)* | 104.5181% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 4,485 |
| Loan loss allowance to noncurrent loans | 143.3846% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 5,077 |
| Noncurrent loans to loans | 0.8581% | 3,745 |
| Net loans and leases to total assets | 33.5188% | 6,203 |
| Net loans and leases to deposits | 36.7598% | 6,290 |
| Net loans and leases to core deposits | 39.0580% | 6,272 |
| Total domestic deposits to total assets | 91.1833% | 492 |
| Equity capital to assets | 7.8410% | 6,151 |
| Core capital (leverage) ratio | 7.7843% | 6,229 |
| Tier 1 risk-based capital ratio | 19.9067% | 1,748 |
| Total risk-based capital ratio | 20.9771% | 1,756 |
| Memoranda: | ||
| Average total assets | $108,974,500 | 4,507 |
| Average earning assets | $102,266,500 | 4,442 |
| Average equity | $8,554,500 | 5,164 |
| Average total loans | $38,632,500 | 5,369 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9788% | 6,363 |
| Cost of funding earning assets | 0.2716% | 5,819 |
| Net interest margin | 2.7072% | 6,129 |
| Noninterest income to average assets | 1.4195% | 696 |
| Noninterest expense to average assets | 2.2464% | 5,512 |
| Loan and lease loss provision to assets | 0.0814% | 3,484 |
| Net operating income to assets | 1.5986% | 694 |
| Return on assets (ROA) | 1.5986% | 711 |
| Pretax return on assets | 1.5986% | 1,171 |
| Return on Equity (ROE) | 16.6833% | 541 |
| Retained earnings to average equity (ytd only) | 8.9318% | 785 |
| Net charge-offs to loans | 0.0871% | 3,984 |
| Credit loss provision to net charge-offs | 243.2432% | 941 |
| Earnings coverage of net charge-offs (x) | 50.1892% | 792 |
| Efficiency ratio | 56.2442% | 5,925 |
| Assets per employee ($millions) | 4.2537% | 3,347 |
| Cash dividends to net income (ytd only)* | 46.4629% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 4,743 |
| Loan loss allowance to noncurrent loans | 495.7447% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 5,831 |
| Noncurrent loans to loans | 0.2386% | 5,466 |
| Net loans and leases to total assets | 36.6023% | 6,169 |
| Net loans and leases to deposits | 40.1663% | 6,295 |
| Net loans and leases to core deposits | 40.4292% | 6,347 |
| Total domestic deposits to total assets | 91.1268% | 522 |
| Equity capital to assets | 7.8595% | 6,112 |
| Core capital (leverage) ratio | 7.9627% | 6,163 |
| Tier 1 risk-based capital ratio | 18.9273% | 1,947 |
| Total risk-based capital ratio | 19.9441% | 1,977 |
| Memoranda: | ||
| Average total assets | $110,531,400 | 4,489 |
| Average earning assets | $102,358,000 | 4,454 |
| Average equity | $10,591,400 | 4,725 |
| Average total loans | $42,461,400 | 5,251 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8157% | 6,565 |
| Cost of funding earning assets | 0.2703% | 5,960 |
| Net interest margin | 2.5453% | 6,389 |
| Noninterest income to average assets | 1.6968% | 526 |
| Noninterest expense to average assets | 2.1473% | 5,725 |
| Loan and lease loss provision to assets | 0.0036% | 4,884 |
| Net operating income to assets | 1.8976% | 436 |
| Return on assets (ROA) | 1.8976% | 447 |
| Pretax return on assets | 1.8976% | 716 |
| Return on Equity (ROE) | 18.9895% | 371 |
| Retained earnings to average equity (ytd only) | 10.3199% | 726 |
| Net charge-offs to loans | 0.0062% | 5,054 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 794.4869% | 62 |
| Efficiency ratio | 52.0366% | 6,250 |
| Assets per employee ($millions) | 4.2548% | 3,319 |
| Cash dividends to net income (ytd only)* | 45.6548% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 5,811 |
| Loan loss allowance to noncurrent loans | 173.2218% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 5,715 |
| Noncurrent loans to loans | 0.5651% | 4,797 |
| Net loans and leases to total assets | 39.3743% | 6,079 |
| Net loans and leases to deposits | 43.0026% | 6,264 |
| Net loans and leases to core deposits | 43.2817% | 6,334 |
| Total domestic deposits to total assets | 91.5624% | 351 |
| Equity capital to assets | 7.3866% | 6,430 |
| Core capital (leverage) ratio | 7.5524% | 6,429 |
| Tier 1 risk-based capital ratio | 16.7753% | 2,824 |
| Total risk-based capital ratio | 17.6370% | 2,957 |
| Memoranda: | ||
| Average total assets | $111,578,500 | 4,513 |
| Average earning assets | $103,087,500 | 4,471 |
| Average equity | $11,149,750 | 4,661 |
| Average total loans | $43,229,250 | 5,270 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4979% | 6,736 |
| Cost of funding earning assets | 0.2665% | 6,064 |
| Net interest margin | 2.2314% | 6,665 |
| Noninterest income to average assets | 2.2451% | 372 |
| Noninterest expense to average assets | 2.1409% | 5,775 |
| Loan and lease loss provision to assets | 0.0035% | 4,742 |
| Net operating income to assets | 2.1551% | 280 |
| Return on assets (ROA) | 2.1551% | 294 |
| Pretax return on assets | 2.1551% | 451 |
| Return on Equity (ROE) | 19.9390% | 302 |
| Retained earnings to average equity (ytd only) | 12.8355% | 402 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7685% | 6,496 |
| Assets per employee ($millions) | 4.6023% | 2,647 |
| Cash dividends to net income (ytd only)* | 35.6265% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 5,743 |
| Loan loss allowance to noncurrent loans | 253.0488% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 5,987 |
| Noncurrent loans to loans | 0.4025% | 5,258 |
| Net loans and leases to total assets | 36.5157% | 6,265 |
| Net loans and leases to deposits | 39.8626% | 6,406 |
| Net loans and leases to core deposits | 40.1112% | 6,468 |
| Total domestic deposits to total assets | 91.6037% | 340 |
| Equity capital to assets | 7.3497% | 6,493 |
| Core capital (leverage) ratio | 9.4116% | 4,372 |
| Tier 1 risk-based capital ratio | 16.8892% | 2,750 |
| Total risk-based capital ratio | 17.7686% | 2,888 |
| Memoranda: | ||
| Average total assets | $113,315,000 | 4,501 |
| Average earning assets | $104,329,670 | 4,470 |
| Average equity | $12,247,330 | 4,477 |
| Average total loans | $43,540,330 | 5,284 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4877% | 5,738 |
| Cost of funding earning assets | 0.3756% | 5,321 |
| Net interest margin | 3.1121% | 5,219 |
| Noninterest income to average assets | 0.5357% | 3,528 |
| Noninterest expense to average assets | 2.4306% | 5,017 |
| Loan and lease loss provision to assets | 0.0099% | 4,328 |
| Net operating income to assets | 0.9722% | 2,345 |
| Return on assets (ROA) | 0.9722% | 2,473 |
| Pretax return on assets | 0.9722% | 3,475 |
| Return on Equity (ROE) | 10.2316% | 1,983 |
| Retained earnings to average equity (ytd only) | -3.0799% | 6,201 |
| Net charge-offs to loans | 0.0119% | 3,902 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 204 |
| Efficiency ratio | 69.4767% | 4,061 |
| Assets per employee ($millions) | 3.8960% | 4,168 |
| Cash dividends to net income (ytd only)* | 130.1020% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 4,807 |
| Loan loss allowance to noncurrent loans | 627.2727% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 6,234 |
| Noncurrent loans to loans | 0.2038% | 5,893 |
| Net loans and leases to total assets | 39.0821% | 6,079 |
| Net loans and leases to deposits | 43.6954% | 6,221 |
| Net loans and leases to core deposits | 44.0718% | 6,310 |
| Total domestic deposits to total assets | 89.4420% | 1,389 |
| Equity capital to assets | 9.2501% | 5,199 |
| Core capital (leverage) ratio | 8.2838% | 5,846 |
| Tier 1 risk-based capital ratio | 18.7254% | 2,119 |
| Total risk-based capital ratio | 19.8796% | 2,119 |
| Memoranda: | ||
| Average total assets | $80,639,500 | 5,343 |
| Average earning assets | $74,547,500 | 5,307 |
| Average equity | $7,662,500 | 5,593 |
| Average total loans | $33,473,500 | 5,728 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 5,084 |
| Cost of funding earning assets | 0.4878% | 5,300 |
| Net interest margin | 3.5766% | 4,199 |
| Noninterest income to average assets | 0.6313% | 3,102 |
| Noninterest expense to average assets | 2.5648% | 4,882 |
| Loan and lease loss provision to assets | 0.0064% | 5,844 |
| Net operating income to assets | 1.3454% | 1,205 |
| Return on assets (ROA) | 1.6852% | 716 |
| Pretax return on assets | 1.6852% | 1,173 |
| Return on Equity (ROE) | 17.0698% | 527 |
| Retained earnings to average equity (ytd only) | 1.7792% | 4,964 |
| Net charge-offs to loans | -0.1128% | 6,847 |
| Credit loss provision to net charge-offs | -12.5000% | 6,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8934% | 4,901 |
| Assets per employee ($millions) | 3.7840% | 4,402 |
| Cash dividends to net income (ytd only)* | 89.5770% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,132 |
| Loan loss allowance to noncurrent loans | 277.1812% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 5,771 |
| Noncurrent loans to loans | 0.4312% | 5,418 |
| Net loans and leases to total assets | 42.9691% | 5,901 |
| Net loans and leases to deposits | 48.3517% | 6,088 |
| Net loans and leases to core deposits | 48.7821% | 6,222 |
| Total domestic deposits to total assets | 88.8679% | 1,660 |
| Equity capital to assets | 9.7617% | 4,511 |
| Core capital (leverage) ratio | 8.4045% | 5,753 |
| Tier 1 risk-based capital ratio | 18.3642% | 2,149 |
| Total risk-based capital ratio | 19.4853% | 2,141 |
| Memoranda: | ||
| Average total assets | $78,564,400 | 5,396 |
| Average earning assets | $72,163,800 | 5,363 |
| Average equity | $7,756,400 | 5,570 |
| Average total loans | $35,453,600 | 5,702 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 5,078 |
| Cost of funding earning assets | 0.5043% | 5,409 |
| Net interest margin | 3.6264% | 4,123 |
| Noninterest income to average assets | 0.6774% | 2,827 |
| Noninterest expense to average assets | 2.5155% | 5,034 |
| Loan and lease loss provision to assets | 0.0085% | 5,699 |
| Net operating income to assets | 1.4824% | 1,054 |
| Return on assets (ROA) | 1.9164% | 510 |
| Pretax return on assets | 1.9164% | 842 |
| Return on Equity (ROE) | 19.3560% | 375 |
| Retained earnings to average equity (ytd only) | 2.9223% | 4,806 |
| Net charge-offs to loans | -0.2429% | 7,022 |
| Credit loss provision to net charge-offs | -7.6923% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2150% | 5,273 |
| Assets per employee ($millions) | 3.7851% | 4,341 |
| Cash dividends to net income (ytd only)* | 84.9018% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 5,218 |
| Loan loss allowance to noncurrent loans | 425.2427% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 6,297 |
| Noncurrent loans to loans | 0.2856% | 5,917 |
| Net loans and leases to total assets | 44.8174% | 5,889 |
| Net loans and leases to deposits | 51.1472% | 6,031 |
| Net loans and leases to core deposits | 51.6080% | 6,207 |
| Total domestic deposits to total assets | 87.6244% | 2,274 |
| Equity capital to assets | 9.9790% | 4,522 |
| Core capital (leverage) ratio | 8.6368% | 5,571 |
| Tier 1 risk-based capital ratio | 17.6728% | 2,472 |
| Total risk-based capital ratio | 18.8140% | 2,484 |
| Memoranda: | ||
| Average total assets | $78,339,500 | 5,453 |
| Average earning assets | $71,915,500 | 5,433 |
| Average equity | $7,756,250 | 5,624 |
| Average total loans | $35,677,500 | 5,763 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 5,095 |
| Cost of funding earning assets | 0.5281% | 5,439 |
| Net interest margin | 3.6295% | 4,145 |
| Noninterest income to average assets | 0.7004% | 2,668 |
| Noninterest expense to average assets | 2.5655% | 4,903 |
| Loan and lease loss provision to assets | 0.0077% | 5,559 |
| Net operating income to assets | 1.4598% | 1,068 |
| Return on assets (ROA) | 2.1140% | 373 |
| Pretax return on assets | 2.1140% | 568 |
| Return on Equity (ROE) | 21.4091% | 269 |
| Retained earnings to average equity (ytd only) | 5.9499% | 2,739 |
| Net charge-offs to loans | 0.2363% | 3,153 |
| Credit loss provision to net charge-offs | 7.1429% | 4,763 |
| Earnings coverage of net charge-offs (x) | 13.6190% | 1,780 |
| Efficiency ratio | 62.0229% | 5,241 |
| Assets per employee ($millions) | 3.7744% | 4,376 |
| Cash dividends to net income (ytd only)* | 72.2087% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 6,423 |
| Loan loss allowance to noncurrent loans | 498.4848% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 6,497 |
| Noncurrent loans to loans | 0.1832% | 6,218 |
| Net loans and leases to total assets | 45.0349% | 5,922 |
| Net loans and leases to deposits | 50.5623% | 6,140 |
| Net loans and leases to core deposits | 51.0103% | 6,299 |
| Total domestic deposits to total assets | 89.0680% | 1,466 |
| Equity capital to assets | 9.8142% | 4,603 |
| Core capital (leverage) ratio | 8.6821% | 5,404 |
| Tier 1 risk-based capital ratio | 17.6354% | 2,421 |
| Total risk-based capital ratio | 18.4849% | 2,532 |
| Memoranda: | ||
| Average total assets | $77,957,000 | 5,497 |
| Average earning assets | $71,579,330 | 5,476 |
| Average equity | $7,697,670 | 5,655 |
| Average total loans | $35,549,330 | 5,809 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 4,832 |
| Cost of funding earning assets | 0.5349% | 5,584 |
| Net interest margin | 3.7389% | 3,639 |
| Noninterest income to average assets | 0.7710% | 2,296 |
| Noninterest expense to average assets | 2.5768% | 4,896 |
| Loan and lease loss provision to assets | 0.0052% | 5,211 |
| Net operating income to assets | 1.6248% | 824 |
| Return on assets (ROA) | 1.8731% | 592 |
| Pretax return on assets | 1.8731% | 927 |
| Return on Equity (ROE) | 18.9108% | 460 |
| Retained earnings to average equity (ytd only) | 9.3509% | 1,460 |
| Net charge-offs to loans | 0.1246% | 3,361 |
| Credit loss provision to net charge-offs | 9.0909% | 3,914 |
| Earnings coverage of net charge-offs (x) | 28.6364% | 958 |
| Efficiency ratio | 59.7786% | 5,649 |
| Assets per employee ($millions) | 3.7701% | 4,496 |
| Cash dividends to net income (ytd only)* | 50.5525% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 6,101 |
| Loan loss allowance to noncurrent loans | 133.5821% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 5,999 |
| Noncurrent loans to loans | 0.7822% | 5,102 |
| Net loans and leases to total assets | 42.8232% | 6,115 |
| Net loans and leases to deposits | 47.9968% | 6,288 |
| Net loans and leases to core deposits | 48.4211% | 6,430 |
| Total domestic deposits to total assets | 89.2209% | 1,538 |
| Equity capital to assets | 9.6676% | 4,566 |
| Core capital (leverage) ratio | 8.6759% | 5,340 |
| Tier 1 risk-based capital ratio | 18.1545% | 2,237 |
| Total risk-based capital ratio | 19.1148% | 2,312 |
| Memoranda: | ||
| Average total assets | $77,304,000 | 5,552 |
| Average earning assets | $71,036,500 | 5,529 |
| Average equity | $7,657,000 | 5,696 |
| Average total loans | $35,311,500 | 5,857 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 4,033 |
| Cost of funding earning assets | 0.7060% | 5,497 |
| Net interest margin | 4.0434% | 2,656 |
| Noninterest income to average assets | 0.6898% | 2,666 |
| Noninterest expense to average assets | 2.7931% | 4,376 |
| Loan and lease loss provision to assets | 0.0054% | 6,452 |
| Net operating income to assets | 1.6009% | 660 |
| Return on assets (ROA) | 2.0965% | 283 |
| Pretax return on assets | 2.0965% | 443 |
| Return on Equity (ROE) | 21.6289% | 196 |
| Retained earnings to average equity (ytd only) | 3.5301% | 3,711 |
| Net charge-offs to loans | 0.4663% | 3,123 |
| Credit loss provision to net charge-offs | 2.2857% | 6,058 |
| Earnings coverage of net charge-offs (x) | 6.7600% | 2,454 |
| Efficiency ratio | 62.2840% | 5,415 |
| Assets per employee ($millions) | 3.5922% | 4,787 |
| Cash dividends to net income (ytd only)* | 83.6788% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,158 |
| Loan loss allowance to noncurrent loans | 94.3590% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 5,623 |
| Noncurrent loans to loans | 1.0726% | 4,563 |
| Net loans and leases to total assets | 47.7133% | 5,858 |
| Net loans and leases to deposits | 53.7980% | 6,091 |
| Net loans and leases to core deposits | 53.7980% | 6,314 |
| Total domestic deposits to total assets | 88.6898% | 1,725 |
| Equity capital to assets | 10.1543% | 3,969 |
| Core capital (leverage) ratio | 8.7202% | 5,218 |
| Tier 1 risk-based capital ratio | 16.4141% | 2,855 |
| Total risk-based capital ratio | 17.3327% | 2,960 |
| Memoranda: | ||
| Average total assets | $73,646,800 | 5,653 |
| Average earning assets | $67,567,000 | 5,628 |
| Average equity | $7,138,600 | 5,830 |
| Average total loans | $37,532,800 | 5,813 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 4,000 |
| Cost of funding earning assets | 0.7395% | 5,527 |
| Net interest margin | 4.0643% | 2,625 |
| Noninterest income to average assets | 0.6940% | 2,642 |
| Noninterest expense to average assets | 2.7759% | 4,437 |
| Loan and lease loss provision to assets | 0.0073% | 6,334 |
| Net operating income to assets | 1.6448% | 713 |
| Return on assets (ROA) | 1.8379% | 524 |
| Pretax return on assets | 1.8379% | 890 |
| Return on Equity (ROE) | 19.1959% | 366 |
| Retained earnings to average equity (ytd only) | -0.5518% | 6,082 |
| Net charge-offs to loans | 0.0705% | 5,254 |
| Credit loss provision to net charge-offs | 20.0000% | 5,553 |
| Earnings coverage of net charge-offs (x) | 45.3431% | 698 |
| Efficiency ratio | 61.5796% | 5,479 |
| Assets per employee ($millions) | 3.5011% | 4,996 |
| Cash dividends to net income (ytd only)* | 102.8745% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 4,478 |
| Loan loss allowance to noncurrent loans | 110.8051% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 5,482 |
| Noncurrent loans to loans | 1.2790% | 4,395 |
| Net loans and leases to total assets | 49.4811% | 5,773 |
| Net loans and leases to deposits | 56.0063% | 6,032 |
| Net loans and leases to core deposits | 56.5407% | 6,270 |
| Total domestic deposits to total assets | 88.3492% | 1,840 |
| Equity capital to assets | 10.3546% | 3,890 |
| Core capital (leverage) ratio | 8.7452% | 5,346 |
| Tier 1 risk-based capital ratio | 16.6428% | 2,792 |
| Total risk-based capital ratio | 17.8923% | 2,756 |
| Memoranda: | ||
| Average total assets | $73,199,500 | 5,707 |
| Average earning assets | $67,251,250 | 5,676 |
| Average equity | $7,008,250 | 5,901 |
| Average total loans | $37,825,750 | 5,844 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 3,948 |
| Cost of funding earning assets | 0.7714% | 5,556 |
| Net interest margin | 4.0595% | 2,575 |
| Noninterest income to average assets | 0.6622% | 2,754 |
| Noninterest expense to average assets | 2.7199% | 4,740 |
| Loan and lease loss provision to assets | 0.0082% | 6,158 |
| Net operating income to assets | 1.6637% | 648 |
| Return on assets (ROA) | 1.6637% | 689 |
| Pretax return on assets | 1.6637% | 1,126 |
| Return on Equity (ROE) | 17.8648% | 473 |
| Retained earnings to average equity (ytd only) | -1.0284% | 6,057 |
| Net charge-offs to loans | 0.0892% | 4,770 |
| Credit loss provision to net charge-offs | 17.6471% | 5,164 |
| Earnings coverage of net charge-offs (x) | 35.9412% | 807 |
| Efficiency ratio | 60.9969% | 5,730 |
| Assets per employee ($millions) | 3.5249% | 4,883 |
| Cash dividends to net income (ytd only)* | 105.7566% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 4,498 |
| Loan loss allowance to noncurrent loans | 106.7073% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 5,363 |
| Noncurrent loans to loans | 1.3252% | 4,437 |
| Net loans and leases to total assets | 49.4454% | 5,894 |
| Net loans and leases to deposits | 55.4376% | 6,186 |
| Net loans and leases to core deposits | 55.9554% | 6,415 |
| Total domestic deposits to total assets | 89.1912% | 1,424 |
| Equity capital to assets | 9.5741% | 4,701 |
| Core capital (leverage) ratio | 8.4558% | 5,619 |
| Tier 1 risk-based capital ratio | 16.3718% | 2,798 |
| Total risk-based capital ratio | 17.6235% | 2,760 |
| Memoranda: | ||
| Average total assets | $73,091,670 | 5,747 |
| Average earning assets | $67,151,330 | 5,723 |
| Average equity | $6,806,670 | 5,983 |
| Average total loans | $38,133,330 | 5,884 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 4,053 |
| Cost of funding earning assets | 0.7973% | 5,586 |
| Net interest margin | 4.0044% | 2,665 |
| Noninterest income to average assets | 0.6114% | 3,083 |
| Noninterest expense to average assets | 2.6877% | 4,887 |
| Loan and lease loss provision to assets | 0.0110% | 5,771 |
| Net operating income to assets | 1.5917% | 707 |
| Return on assets (ROA) | 1.5917% | 753 |
| Pretax return on assets | 1.5917% | 1,213 |
| Return on Equity (ROE) | 17.3404% | 534 |
| Retained earnings to average equity (ytd only) | -3.2401% | 6,326 |
| Net charge-offs to loans | 0.1967% | 3,322 |
| Credit loss provision to net charge-offs | 10.5263% | 4,373 |
| Earnings coverage of net charge-offs (x) | 15.3158% | 1,323 |
| Efficiency ratio | 62.3877% | 5,617 |
| Assets per employee ($millions) | 3.5453% | 4,887 |
| Cash dividends to net income (ytd only)* | 118.6851% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 4,772 |
| Loan loss allowance to noncurrent loans | 119.7248% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 5,460 |
| Noncurrent loans to loans | 1.1518% | 4,771 |
| Net loans and leases to total assets | 50.1437% | 5,831 |
| Net loans and leases to deposits | 55.8660% | 6,140 |
| Net loans and leases to core deposits | 56.3798% | 6,386 |
| Total domestic deposits to total assets | 89.7572% | 1,320 |
| Equity capital to assets | 9.0071% | 5,198 |
| Core capital (leverage) ratio | 8.4959% | 5,462 |
| Tier 1 risk-based capital ratio | 15.7518% | 3,023 |
| Total risk-based capital ratio | 17.0028% | 2,984 |
| Memoranda: | ||
| Average total assets | $72,626,000 | 5,800 |
| Average earning assets | $66,726,500 | 5,778 |
| Average equity | $6,666,500 | 6,037 |
| Average total loans | $38,637,000 | 5,909 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 4,285 |
| Cost of funding earning assets | 0.9776% | 5,798 |
| Net interest margin | 4.0821% | 2,651 |
| Noninterest income to average assets | 1.3490% | 807 |
| Noninterest expense to average assets | 3.2019% | 3,086 |
| Loan and lease loss provision to assets | 0.5364% | 3,005 |
| Net operating income to assets | 1.3887% | 974 |
| Return on assets (ROA) | 1.5856% | 693 |
| Pretax return on assets | 1.5856% | 1,159 |
| Return on Equity (ROE) | 14.5925% | 778 |
| Retained earnings to average equity (ytd only) | 5.5345% | 2,088 |
| Net charge-offs to loans | 0.3363% | 4,331 |
| Credit loss provision to net charge-offs | 294.0594% | 915 |
| Earnings coverage of net charge-offs (x) | 10.5545% | 1,691 |
| Efficiency ratio | 60.8313% | 5,920 |
| Assets per employee ($millions) | 3.2182% | 5,628 |
| Cash dividends to net income (ytd only)* | 62.0729% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 4,667 |
| Loan loss allowance to noncurrent loans | 109.7760% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 5,353 |
| Noncurrent loans to loans | 1.2456% | 4,638 |
| Net loans and leases to total assets | 54.9153% | 5,501 |
| Net loans and leases to deposits | 61.4140% | 5,906 |
| Net loans and leases to core deposits | 62.0076% | 6,238 |
| Total domestic deposits to total assets | 89.4181% | 1,427 |
| Equity capital to assets | 9.3602% | 4,601 |
| Core capital (leverage) ratio | 8.8911% | 4,713 |
| Tier 1 risk-based capital ratio | 15.1467% | 3,174 |
| Total risk-based capital ratio | 16.3977% | 3,117 |
| Memoranda: | ||
| Average total assets | $55,373,600 | 6,357 |
| Average earning assets | $51,248,600 | 6,318 |
| Average equity | $6,016,800 | 6,358 |
| Average total loans | $30,029,200 | 6,397 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 5,026 |
| Cost of funding earning assets | 0.9827% | 6,024 |
| Net interest margin | 3.9699% | 3,236 |
| Noninterest income to average assets | 0.7454% | 2,548 |
| Noninterest expense to average assets | 3.0488% | 3,577 |
| Loan and lease loss provision to assets | 0.7661% | 2,000 |
| Net operating income to assets | 0.6211% | 3,789 |
| Return on assets (ROA) | 0.9032% | 2,744 |
| Pretax return on assets | 0.9032% | 3,544 |
| Return on Equity (ROE) | 7.9349% | 2,936 |
| Retained earnings to average equity (ytd only) | -3.7742% | 6,434 |
| Net charge-offs to loans | 0.1830% | 4,858 |
| Credit loss provision to net charge-offs | 778.9474% | 381 |
| Earnings coverage of net charge-offs (x) | 14.1040% | 1,538 |
| Efficiency ratio | 67.6196% | 4,536 |
| Assets per employee ($millions) | 3.0459% | 6,042 |
| Cash dividends to net income (ytd only)* | 147.5651% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 4,120 |
| Loan loss allowance to noncurrent loans | 682.9545% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 6,774 |
| Noncurrent loans to loans | 0.2148% | 6,749 |
| Net loans and leases to total assets | 57.6290% | 5,312 |
| Net loans and leases to deposits | 63.8404% | 5,936 |
| Net loans and leases to core deposits | 64.4549% | 6,259 |
| Total domestic deposits to total assets | 90.2705% | 741 |
| Equity capital to assets | 9.5225% | 4,809 |
| Core capital (leverage) ratio | 9.0203% | 4,663 |
| Tier 1 risk-based capital ratio | 14.0677% | 3,784 |
| Total risk-based capital ratio | 15.3197% | 3,756 |
| Memoranda: | ||
| Average total assets | $51,517,000 | 6,557 |
| Average earning assets | $47,892,250 | 6,511 |
| Average equity | $5,864,250 | 6,495 |
| Average total loans | $27,681,750 | 6,609 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 5,485 |
| Cost of funding earning assets | 0.9770% | 6,251 |
| Net interest margin | 3.9032% | 3,433 |
| Noninterest income to average assets | 0.7720% | 2,273 |
| Noninterest expense to average assets | 2.8718% | 4,177 |
| Loan and lease loss provision to assets | 0.0132% | 6,779 |
| Net operating income to assets | 1.5175% | 879 |
| Return on assets (ROA) | 1.5219% | 932 |
| Pretax return on assets | 1.5219% | 1,499 |
| Return on Equity (ROE) | 12.3317% | 1,377 |
| Retained earnings to average equity (ytd only) | -4.6467% | 6,512 |
| Net charge-offs to loans | 0.3011% | 3,810 |
| Credit loss provision to net charge-offs | 8.5714% | 5,955 |
| Earnings coverage of net charge-offs (x) | 9.9143% | 1,957 |
| Efficiency ratio | 63.9279% | 5,351 |
| Assets per employee ($millions) | 3.3289% | 5,361 |
| Cash dividends to net income (ytd only)* | 137.6812% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,537 |
| Loan loss allowance to noncurrent loans | 275.2212% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 6,422 |
| Noncurrent loans to loans | 0.4301% | 6,378 |
| Net loans and leases to total assets | 55.7098% | 5,746 |
| Net loans and leases to deposits | 63.5569% | 6,082 |
| Net loans and leases to core deposits | 64.5043% | 6,358 |
| Total domestic deposits to total assets | 87.6534% | 2,180 |
| Equity capital to assets | 12.2050% | 1,973 |
| Core capital (leverage) ratio | 11.2565% | 2,064 |
| Tier 1 risk-based capital ratio | 17.9057% | 1,983 |
| Total risk-based capital ratio | 19.0119% | 1,983 |
| Memoranda: | ||
| Average total assets | $45,337,670 | 6,818 |
| Average earning assets | $42,170,670 | 6,771 |
| Average equity | $5,595,330 | 6,587 |
| Average total loans | $23,251,330 | 6,901 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 6,117 |
| Cost of funding earning assets | 1.0189% | 6,281 |
| Net interest margin | 3.7198% | 4,150 |
| Noninterest income to average assets | 0.8142% | 1,949 |
| Noninterest expense to average assets | 2.8722% | 4,178 |
| Loan and lease loss provision to assets | 0.0089% | 6,512 |
| Net operating income to assets | 1.3958% | 1,084 |
| Return on assets (ROA) | 1.3958% | 1,158 |
| Pretax return on assets | 1.3958% | 1,789 |
| Return on Equity (ROE) | 11.2453% | 1,705 |
| Retained earnings to average equity (ytd only) | -17.5888% | 7,299 |
| Net charge-offs to loans | 0.0736% | 4,679 |
| Credit loss provision to net charge-offs | 25.0000% | 4,889 |
| Earnings coverage of net charge-offs (x) | 39.2500% | 705 |
| Efficiency ratio | 65.8996% | 5,138 |
| Assets per employee ($millions) | 3.3244% | 5,492 |
| Cash dividends to net income (ytd only)* | 256.4103% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 3,250 |
| Loan loss allowance to noncurrent loans | 143.4599% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 6,160 |
| Noncurrent loans to loans | 1.1504% | 5,069 |
| Net loans and leases to total assets | 43.5327% | 7,031 |
| Net loans and leases to deposits | 49.3821% | 7,159 |
| Net loans and leases to core deposits | 50.1113% | 7,278 |
| Total domestic deposits to total assets | 88.1548% | 1,971 |
| Equity capital to assets | 11.7077% | 2,225 |
| Core capital (leverage) ratio | 10.6516% | 2,498 |
| Tier 1 risk-based capital ratio | 21.2039% | 1,309 |
| Total risk-based capital ratio | 22.4552% | 1,289 |
| Memoranda: | ||
| Average total assets | $44,704,500 | 6,928 |
| Average earning assets | $41,615,500 | 6,874 |
| Average equity | $5,549,000 | 6,658 |
| Average total loans | $21,740,000 | 7,064 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4069% | 4,672 |
| Cost of funding earning assets | 1.3197% | 6,246 |
| Net interest margin | 4.0873% | 2,505 |
| Noninterest income to average assets | 0.8922% | 1,972 |
| Noninterest expense to average assets | 3.1881% | 3,413 |
| Loan and lease loss provision to assets | 0.0115% | 7,371 |
| Net operating income to assets | 1.4931% | 683 |
| Return on assets (ROA) | 2.1147% | 192 |
| Pretax return on assets | 2.1147% | 330 |
| Return on Equity (ROE) | 16.1279% | 542 |
| Retained earnings to average equity (ytd only) | -12.9793% | 6,752 |
| Net charge-offs to loans | 0.1359% | 5,847 |
| Credit loss provision to net charge-offs | 16.1290% | 6,954 |
| Earnings coverage of net charge-offs (x) | 21.1613% | 1,009 |
| Efficiency ratio | 66.7644% | 5,235 |
| Assets per employee ($millions) | 3.0619% | 6,064 |
| Cash dividends to net income (ytd only)* | 180.4772% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 3,737 |
| Loan loss allowance to noncurrent loans | 147.8448% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 5,993 |
| Noncurrent loans to loans | 1.0140% | 5,287 |
| Net loans and leases to total assets | 52.5719% | 6,354 |
| Net loans and leases to deposits | 60.6459% | 6,590 |
| Net loans and leases to core deposits | 67.6696% | 6,897 |
| Total domestic deposits to total assets | 86.6867% | 2,656 |
| Equity capital to assets | 13.1780% | 1,441 |
| Core capital (leverage) ratio | 11.7856% | 1,763 |
| Tier 1 risk-based capital ratio | 20.4291% | 1,382 |
| Total risk-based capital ratio | 21.6824% | 1,351 |
| Memoranda: | ||
| Average total assets | $43,599,400 | 6,961 |
| Average earning assets | $40,540,600 | 6,926 |
| Average equity | $5,716,800 | 6,707 |
| Average total loans | $22,805,600 | 7,037 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4339% | 4,772 |
| Cost of funding earning assets | 1.3740% | 6,318 |
| Net interest margin | 4.0599% | 2,549 |
| Noninterest income to average assets | 0.9136% | 1,925 |
| Noninterest expense to average assets | 3.0392% | 3,886 |
| Loan and lease loss provision to assets | 0.0091% | 7,236 |
| Net operating income to assets | 1.6444% | 612 |
| Return on assets (ROA) | 2.4636% | 120 |
| Pretax return on assets | 2.4636% | 204 |
| Return on Equity (ROE) | 18.8121% | 375 |
| Retained earnings to average equity (ytd only) | -19.8818% | 7,332 |
| Net charge-offs to loans | 0.1346% | 5,352 |
| Credit loss provision to net charge-offs | 13.0435% | 6,607 |
| Earnings coverage of net charge-offs (x) | 23.6055% | 1,114 |
| Efficiency ratio | 63.5302% | 5,838 |
| Assets per employee ($millions) | 3.0559% | 6,024 |
| Cash dividends to net income (ytd only)* | 205.6859% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 3,336 |
| Loan loss allowance to noncurrent loans | 144.8133% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 5,967 |
| Noncurrent loans to loans | 1.0475% | 5,226 |
| Net loans and leases to total assets | 52.9615% | 6,502 |
| Net loans and leases to deposits | 61.1833% | 6,736 |
| Net loans and leases to core deposits | 66.6627% | 7,131 |
| Total domestic deposits to total assets | 86.5621% | 2,398 |
| Equity capital to assets | 13.2345% | 1,605 |
| Core capital (leverage) ratio | 11.9653% | 1,816 |
| Tier 1 risk-based capital ratio | 19.4744% | 1,651 |
| Total risk-based capital ratio | 20.7245% | 1,612 |
| Memoranda: | ||
| Average total assets | $43,782,500 | 7,007 |
| Average earning assets | $40,755,500 | 6,970 |
| Average equity | $5,733,750 | 6,763 |
| Average total loans | $22,787,250 | 7,106 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4109% | 5,089 |
| Cost of funding earning assets | 1.4367% | 6,359 |
| Net interest margin | 3.9742% | 2,815 |
| Noninterest income to average assets | 0.8750% | 2,079 |
| Noninterest expense to average assets | 2.7972% | 4,973 |
| Loan and lease loss provision to assets | 0.0045% | 7,136 |
| Net operating income to assets | 1.7726% | 497 |
| Return on assets (ROA) | 2.5342% | 118 |
| Pretax return on assets | 2.5342% | 201 |
| Return on Equity (ROE) | 19.4176% | 373 |
| Retained earnings to average equity (ytd only) | -34.0415% | 7,746 |
| Net charge-offs to loans | 0.1849% | 4,413 |
| Credit loss provision to net charge-offs | 4.7619% | 6,222 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,400 |
| Efficiency ratio | 61.1497% | 6,376 |
| Assets per employee ($millions) | 3.0926% | 5,891 |
| Cash dividends to net income (ytd only)* | 275.3131% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 2,810 |
| Loan loss allowance to noncurrent loans | 197.1751% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 6,353 |
| Noncurrent loans to loans | 0.8037% | 5,623 |
| Net loans and leases to total assets | 50.0566% | 6,866 |
| Net loans and leases to deposits | 57.1440% | 7,085 |
| Net loans and leases to core deposits | 61.7552% | 7,388 |
| Total domestic deposits to total assets | 87.5973% | 1,970 |
| Equity capital to assets | 12.2202% | 2,073 |
| Core capital (leverage) ratio | 11.1220% | 2,317 |
| Tier 1 risk-based capital ratio | 19.4515% | 1,687 |
| Total risk-based capital ratio | 20.7017% | 1,645 |
| Memoranda: | ||
| Average total assets | $44,116,000 | 7,052 |
| Average earning assets | $41,065,330 | 7,011 |
| Average equity | $5,757,670 | 6,808 |
| Average total loans | $22,714,000 | 7,164 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3156% | 5,824 |
| Cost of funding earning assets | 1.5077% | 6,381 |
| Net interest margin | 3.8079% | 3,413 |
| Noninterest income to average assets | 0.7995% | 2,326 |
| Noninterest expense to average assets | 2.7490% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5901% | 798 |
| Return on assets (ROA) | 3.0993% | 74 |
| Pretax return on assets | 3.0993% | 117 |
| Return on Equity (ROE) | 23.0346% | 266 |
| Retained earnings to average equity (ytd only) | -78.0504% | 8,105 |
| Net charge-offs to loans | 0.2428% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 12.6429% | 1,787 |
| Efficiency ratio | 63.3540% | 5,801 |
| Assets per employee ($millions) | 2.9761% | 6,224 |
| Cash dividends to net income (ytd only)* | 438.8406% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 2,629 |
| Loan loss allowance to noncurrent loans | 162.1005% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 6,001 |
| Noncurrent loans to loans | 0.9714% | 5,053 |
| Net loans and leases to total assets | 49.7066% | 6,889 |
| Net loans and leases to deposits | 56.5451% | 7,128 |
| Net loans and leases to core deposits | 60.8345% | 7,424 |
| Total domestic deposits to total assets | 87.9060% | 1,785 |
| Equity capital to assets | 11.8901% | 2,334 |
| Core capital (leverage) ratio | 10.6515% | 2,785 |
| Tier 1 risk-based capital ratio | 18.3481% | 1,971 |
| Total risk-based capital ratio | 19.5960% | 1,928 |
| Memoranda: | ||
| Average total assets | $44,525,500 | 7,081 |
| Average earning assets | $41,387,500 | 7,042 |
| Average equity | $5,991,000 | 6,763 |
| Average total loans | $23,060,000 | 7,180 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8131% | 8,187 |
| Cost of funding earning assets | 0.7936% | 8,123 |
| Net interest margin | 2.0195% | 8,051 |
| Noninterest income to average assets | 0.3793% | 5,648 |
| Noninterest expense to average assets | 1.2769% | 8,129 |
| Loan and lease loss provision to assets | -0.4455% | 8,291 |
| Net operating income to assets | 1.4225% | 1,181 |
| Return on assets (ROA) | 1.4247% | 1,137 |
| Pretax return on assets | 1.4247% | 1,893 |
| Return on Equity (ROE) | 11.6141% | 1,707 |
| Retained earnings to average equity (ytd only) | 9.9601% | 455 |
| Net charge-offs to loans | -0.7679% | 8,230 |
| Credit loss provision to net charge-offs | 101.5075% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6536% | 6,918 |
| Assets per employee ($millions) | 2.9606% | 6,152 |
| Cash dividends to net income (ytd only)* | 14.2415% | 4,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 2,375 |
| Loan loss allowance to noncurrent loans | 190.2062% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 5,906 |
| Noncurrent loans to loans | 0.8229% | 4,993 |
| Net loans and leases to total assets | 52.2552% | 6,824 |
| Net loans and leases to deposits | 61.6574% | 6,974 |
| Net loans and leases to core deposits | 67.7369% | 7,301 |
| Total domestic deposits to total assets | 84.7508% | 2,952 |
| Equity capital to assets | 15.0285% | 1,154 |
| Core capital (leverage) ratio | 13.1997% | 1,476 |
| Tier 1 risk-based capital ratio | 22.3445% | 1,273 |
| Total risk-based capital ratio | 23.5975% | 1,244 |
| Memoranda: | ||
| Average total assets | $45,343,400 | 6,968 |
| Average earning assets | $42,088,800 | 6,945 |
| Average equity | $5,562,200 | 6,963 |
| Average total loans | $25,913,800 | 6,974 |