Home > Princeville State Bank > Performance and Condition Ratios
Princeville State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 2,314 |
| Cost of funding earning assets | 1.2982% | 2,520 |
| Net interest margin | 3.5858% | 1,993 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.4279% | 2,504 |
| Loan and lease loss provision to assets | 0.4600% | 207 |
| Net operating income to assets | 1.0130% | 2,173 |
| Return on assets (ROA) | 1.0130% | 2,157 |
| Pretax return on assets | 1.0964% | 2,418 |
| Return on Equity (ROE) | 19.5700% | 651 |
| Retained earnings to average equity (ytd only) | 10.8191% | 836 |
| Net charge-offs to loans | 0.0054% | 2,513 |
| Credit loss provision to net charge-offs | 17,200.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 579.3333% | 254 |
| Efficiency ratio | 60.8911% | 2,985 |
| Assets per employee ($millions) | 7.5687% | 1,678 |
| Cash dividends to net income (ytd only)* | 44.7298% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3646% | 225 |
| Loan loss allowance to noncurrent loans | 2,562.9630% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 2,732 |
| Noncurrent loans to loans | 0.0923% | 3,078 |
| Net loans and leases to total assets | 47.1900% | 3,769 |
| Net loans and leases to deposits | 55.0365% | 3,749 |
| Net loans and leases to core deposits | 56.1693% | 3,906 |
| Total domestic deposits to total assets | 85.7400% | 2,094 |
| Equity capital to assets | 5.5046% | 4,336 |
| Core capital (leverage) ratio | 9.7423% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $111,453,400 | 3,730 |
| Average earning assets | $101,986,600 | 3,727 |
| Average equity | $5,767,600 | 4,185 |
| Average total loans | $55,403,000 | 3,769 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 3,313 |
| Cost of funding earning assets | 0.9128% | 3,242 |
| Net interest margin | 3.3773% | 2,503 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.3941% | 2,528 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.2741% | 1,597 |
| Return on assets (ROA) | 1.2741% | 1,590 |
| Pretax return on assets | 1.3144% | 1,992 |
| Return on Equity (ROE) | 25.0600% | 383 |
| Retained earnings to average equity (ytd only) | 12.9169% | 828 |
| Net charge-offs to loans | -0.0024% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.6961% | 2,640 |
| Assets per employee ($millions) | 6.6029% | 2,243 |
| Cash dividends to net income (ytd only)* | 48.4645% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 747 |
| Loan loss allowance to noncurrent loans | 1,118.6047% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,518 |
| Noncurrent loans to loans | 0.1495% | 2,809 |
| Net loans and leases to total assets | 50.3700% | 3,591 |
| Net loans and leases to deposits | 58.6477% | 3,573 |
| Net loans and leases to core deposits | 61.3029% | 3,641 |
| Total domestic deposits to total assets | 85.8900% | 2,235 |
| Equity capital to assets | 4.2432% | 4,378 |
| Core capital (leverage) ratio | 9.7869% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $109,042,000 | 3,764 |
| Average earning assets | $100,353,000 | 3,755 |
| Average equity | $5,543,000 | 4,213 |
| Average total loans | $54,621,500 | 3,783 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 3,329 |
| Cost of funding earning assets | 0.7732% | 3,290 |
| Net interest margin | 3.4111% | 2,488 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.3562% | 2,636 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.3596% | 1,423 |
| Return on assets (ROA) | 1.3596% | 1,407 |
| Pretax return on assets | 1.3596% | 1,920 |
| Return on Equity (ROE) | 25.3000% | 367 |
| Retained earnings to average equity (ytd only) | 14.7855% | 584 |
| Net charge-offs to loans | -0.0037% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5682% | 2,766 |
| Assets per employee ($millions) | 6.4118% | 2,370 |
| Cash dividends to net income (ytd only)* | 41.5531% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 753 |
| Loan loss allowance to noncurrent loans | 1,002.1505% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 2,357 |
| Noncurrent loans to loans | 0.1696% | 2,627 |
| Net loans and leases to total assets | 49.4600% | 3,592 |
| Net loans and leases to deposits | 58.8740% | 3,491 |
| Net loans and leases to core deposits | 61.6756% | 3,549 |
| Total domestic deposits to total assets | 84.0100% | 2,811 |
| Equity capital to assets | 5.3302% | 4,324 |
| Core capital (leverage) ratio | 9.9422% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $107,972,667 | 3,788 |
| Average earning assets | $99,322,667 | 3,782 |
| Average equity | $5,803,000 | 4,214 |
| Average total loans | $53,660,000 | 3,808 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 3,256 |
| Cost of funding earning assets | 0.6289% | 3,294 |
| Net interest margin | 3.4690% | 2,451 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.3190% | 2,766 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.3810% | 1,464 |
| Return on assets (ROA) | 1.3810% | 1,436 |
| Pretax return on assets | 1.3810% | 1,934 |
| Return on Equity (ROE) | 25.5900% | 379 |
| Retained earnings to average equity (ytd only) | 25.5884% | 167 |
| Net charge-offs to loans | -0.0075% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.8398% | 2,840 |
| Assets per employee ($millions) | 6.3105% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 776 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,632 |
| Noncurrent loans to loans | 0.0781% | 3,181 |
| Net loans and leases to total assets | 48.0800% | 3,626 |
| Net loans and leases to deposits | 59.5335% | 3,362 |
| Net loans and leases to core deposits | 64.2476% | 3,330 |
| Total domestic deposits to total assets | 80.7600% | 3,669 |
| Equity capital to assets | 5.6284% | 4,309 |
| Core capital (leverage) ratio | 9.9136% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $107,458,500 | 3,840 |
| Average earning assets | $98,586,500 | 3,839 |
| Average equity | $5,799,500 | 4,268 |
| Average total loans | $53,066,500 | 3,860 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4449% | 3,224 |
| Cost of funding earning assets | 0.4437% | 1,765 |
| Net interest margin | 3.0012% | 3,446 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 2.4587% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2603% | 1,566 |
| Return on assets (ROA) | 1.2585% | 1,518 |
| Pretax return on assets | 1.2585% | 2,242 |
| Return on Equity (ROE) | 20.9100% | 401 |
| Retained earnings to average equity (ytd only) | 15.9863% | 227 |
| Net charge-offs to loans | 0.1616% | 511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 18.4267% | 1,932 |
| Efficiency ratio | 66.1108% | 2,216 |
| Assets per employee ($millions) | 6.7259% | 2,170 |
| Cash dividends to net income (ytd only)* | 23.5507% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 932 |
| Loan loss allowance to noncurrent loans | 2,073.8095% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 2,309 |
| Noncurrent loans to loans | 0.0783% | 3,199 |
| Net loans and leases to total assets | 49.0500% | 3,579 |
| Net loans and leases to deposits | 55.3114% | 3,610 |
| Net loans and leases to core deposits | 59.7021% | 3,523 |
| Total domestic deposits to total assets | 88.6800% | 1,821 |
| Equity capital to assets | 5.1675% | 4,319 |
| Core capital (leverage) ratio | 9.7627% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3510% | 1,520 |
| Memoranda: | ||
| Average total assets | $109,653,400 | 3,841 |
| Average earning assets | $99,625,800 | 3,840 |
| Average equity | $6,599,400 | 4,262 |
| Average total loans | $46,404,400 | 3,955 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 3,402 |
| Cost of funding earning assets | 0.4298% | 1,101 |
| Net interest margin | 2.7843% | 3,768 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.3298% | 2,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9501% | 2,672 |
| Return on assets (ROA) | 0.9477% | 2,644 |
| Pretax return on assets | 0.9477% | 3,189 |
| Return on Equity (ROE) | 15.2200% | 1,127 |
| Retained earnings to average equity (ytd only) | 11.1189% | 1,018 |
| Net charge-offs to loans | 0.1106% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 21.2162% | 1,691 |
| Efficiency ratio | 71.0332% | 1,639 |
| Assets per employee ($millions) | 6.1515% | 2,625 |
| Cash dividends to net income (ytd only)* | 26.9476% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 548 |
| Loan loss allowance to noncurrent loans | 82.5455% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.2116% | 337 |
| Noncurrent loans to loans | 2.3597% | 231 |
| Net loans and leases to total assets | 43.7100% | 3,895 |
| Net loans and leases to deposits | 49.0345% | 3,913 |
| Net loans and leases to core deposits | 51.5845% | 3,878 |
| Total domestic deposits to total assets | 89.1400% | 2,032 |
| Equity capital to assets | 4.0994% | 4,467 |
| Core capital (leverage) ratio | 9.2714% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5462% | 1,551 |
| Memoranda: | ||
| Average total assets | $110,163,250 | 3,858 |
| Average earning assets | $99,889,250 | 3,864 |
| Average equity | $6,859,000 | 4,277 |
| Average total loans | $44,592,250 | 4,006 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0801% | 3,358 |
| Cost of funding earning assets | 0.3959% | 938 |
| Net interest margin | 2.6842% | 3,730 |
| Noninterest income to average assets | 0.7855% | 1,085 |
| Noninterest expense to average assets | 2.1941% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0123% | 2,108 |
| Return on assets (ROA) | 1.0087% | 2,092 |
| Pretax return on assets | 1.0087% | 2,699 |
| Return on Equity (ROE) | 14.6443% | 970 |
| Retained earnings to average equity (ytd only) | 11.9487% | 613 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4298% | 2,184 |
| Assets per employee ($millions) | 5.8282% | 2,894 |
| Cash dividends to net income (ytd only)* | 18.4071% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0370% | 511 |
| Loan loss allowance to noncurrent loans | 78.9474% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.3002% | 306 |
| Noncurrent loans to loans | 2.5802% | 216 |
| Net loans and leases to total assets | 43.3212% | 3,884 |
| Net loans and leases to deposits | 49.2464% | 3,851 |
| Net loans and leases to core deposits | 52.1313% | 3,815 |
| Total domestic deposits to total assets | 87.9684% | 2,592 |
| Equity capital to assets | 4.8052% | 4,514 |
| Core capital (leverage) ratio | 8.8435% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3657% | 1,609 |
| Memoranda: | ||
| Average total assets | $112,025,667 | 3,876 |
| Average earning assets | $101,036,000 | 3,902 |
| Average equity | $7,716,333 | 4,233 |
| Average total loans | $43,917,667 | 4,072 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7923% | 3,758 |
| Cost of funding earning assets | 0.4017% | 861 |
| Net interest margin | 2.3907% | 4,095 |
| Noninterest income to average assets | 0.7890% | 1,070 |
| Noninterest expense to average assets | 2.0833% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8479% | 2,493 |
| Return on assets (ROA) | 0.8479% | 2,485 |
| Pretax return on assets | 0.8479% | 2,952 |
| Return on Equity (ROE) | 10.8239% | 1,673 |
| Retained earnings to average equity (ytd only) | 8.4383% | 1,447 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0744% | 2,094 |
| Assets per employee ($millions) | 7.6368% | 1,599 |
| Cash dividends to net income (ytd only)* | 22.0408% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2433% | 409 |
| Loan loss allowance to noncurrent loans | 78.6190% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 369 |
| Noncurrent loans to loans | 2.8533% | 193 |
| Net loans and leases to total assets | 35.9496% | 4,211 |
| Net loans and leases to deposits | 42.5301% | 4,139 |
| Net loans and leases to core deposits | 45.1422% | 4,116 |
| Total domestic deposits to total assets | 84.5276% | 3,652 |
| Equity capital to assets | 6.8790% | 4,273 |
| Core capital (leverage) ratio | 8.1696% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1982% | 1,722 |
| Memoranda: | ||
| Average total assets | $115,585,000 | 3,857 |
| Average earning assets | $103,569,000 | 3,890 |
| Average equity | $9,054,000 | 4,153 |
| Average total loans | $42,680,500 | 4,108 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 3,982 |
| Cost of funding earning assets | 0.5274% | 800 |
| Net interest margin | 2.4117% | 4,313 |
| Noninterest income to average assets | 1.0911% | 867 |
| Noninterest expense to average assets | 1.9493% | 3,814 |
| Loan and lease loss provision to assets | 0.1028% | 1,223 |
| Net operating income to assets | 1.1382% | 2,147 |
| Return on assets (ROA) | 1.1382% | 2,199 |
| Pretax return on assets | 1.1382% | 2,864 |
| Return on Equity (ROE) | 13.0448% | 1,451 |
| Retained earnings to average equity (ytd only) | 8.8045% | 1,256 |
| Net charge-offs to loans | 0.0633% | 1,155 |
| Credit loss provision to net charge-offs | 387.0968% | 923 |
| Earnings coverage of net charge-offs (x) | 46.7419% | 1,340 |
| Efficiency ratio | 61.1007% | 2,983 |
| Assets per employee ($millions) | 7.2886% | 1,737 |
| Cash dividends to net income (ytd only)* | 32.5056% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1857% | 458 |
| Loan loss allowance to noncurrent loans | 77.6500% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1868% | 417 |
| Noncurrent loans to loans | 2.8148% | 220 |
| Net loans and leases to total assets | 36.2637% | 4,275 |
| Net loans and leases to deposits | 44.6389% | 4,147 |
| Net loans and leases to core deposits | 47.4433% | 4,122 |
| Total domestic deposits to total assets | 81.2379% | 4,072 |
| Equity capital to assets | 8.7705% | 3,830 |
| Core capital (leverage) ratio | 7.8272% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2462% | 1,756 |
| Memoranda: | ||
| Average total assets | $116,761,800 | 3,836 |
| Average earning assets | $101,629,800 | 3,893 |
| Average equity | $10,188,000 | 4,107 |
| Average total loans | $48,959,400 | 4,022 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9426% | 4,098 |
| Cost of funding earning assets | 0.5483% | 842 |
| Net interest margin | 2.3943% | 4,401 |
| Noninterest income to average assets | 1.1575% | 852 |
| Noninterest expense to average assets | 1.9052% | 3,933 |
| Loan and lease loss provision to assets | 0.1027% | 1,178 |
| Net operating income to assets | 1.2283% | 2,070 |
| Return on assets (ROA) | 1.2283% | 2,130 |
| Pretax return on assets | 1.2283% | 2,839 |
| Return on Equity (ROE) | 14.0954% | 1,362 |
| Retained earnings to average equity (ytd only) | 9.9690% | 1,321 |
| Net charge-offs to loans | 0.0820% | 854 |
| Credit loss provision to net charge-offs | 290.3226% | 1,021 |
| Earnings coverage of net charge-offs (x) | 37.6129% | 1,409 |
| Efficiency ratio | 58.8713% | 3,142 |
| Assets per employee ($millions) | 7.5664% | 1,528 |
| Cash dividends to net income (ytd only)* | 29.2751% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 731 |
| Loan loss allowance to noncurrent loans | 72.7128% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 509 |
| Noncurrent loans to loans | 2.6548% | 271 |
| Net loans and leases to total assets | 38.3552% | 4,283 |
| Net loans and leases to deposits | 47.8884% | 4,123 |
| Net loans and leases to core deposits | 52.9410% | 3,985 |
| Total domestic deposits to total assets | 80.0930% | 4,214 |
| Equity capital to assets | 8.6955% | 4,074 |
| Core capital (leverage) ratio | 7.9503% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7084% | 2,086 |
| Memoranda: | ||
| Average total assets | $116,797,750 | 3,883 |
| Average earning assets | $101,405,750 | 3,940 |
| Average equity | $10,178,000 | 4,163 |
| Average total loans | $50,390,500 | 4,043 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 4,088 |
| Cost of funding earning assets | 0.5756% | 837 |
| Net interest margin | 2.3984% | 4,426 |
| Noninterest income to average assets | 1.2377% | 758 |
| Noninterest expense to average assets | 1.9207% | 3,918 |
| Loan and lease loss provision to assets | 0.1040% | 1,212 |
| Net operating income to assets | 1.2932% | 1,887 |
| Return on assets (ROA) | 1.2932% | 1,959 |
| Pretax return on assets | 1.2932% | 2,651 |
| Return on Equity (ROE) | 14.8286% | 1,209 |
| Retained earnings to average equity (ytd only) | 9.7598% | 1,480 |
| Net charge-offs to loans | 0.1206% | 646 |
| Credit loss provision to net charge-offs | 193.5484% | 1,061 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,391 |
| Efficiency ratio | 57.8892% | 3,300 |
| Assets per employee ($millions) | 8.1849% | 1,120 |
| Cash dividends to net income (ytd only)* | 34.1823% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 847 |
| Loan loss allowance to noncurrent loans | 69.3574% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.2593% | 523 |
| Noncurrent loans to loans | 2.6343% | 301 |
| Net loans and leases to total assets | 41.4991% | 4,212 |
| Net loans and leases to deposits | 53.4003% | 3,897 |
| Net loans and leases to core deposits | 59.6111% | 3,647 |
| Total domestic deposits to total assets | 77.7132% | 4,459 |
| Equity capital to assets | 8.9233% | 3,866 |
| Core capital (leverage) ratio | 7.9397% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6975% | 2,089 |
| Memoranda: | ||
| Average total assets | $115,376,000 | 3,912 |
| Average earning assets | $100,067,333 | 3,973 |
| Average equity | $10,061,667 | 4,194 |
| Average total loans | $51,404,667 | 4,049 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 1,259 |
| Cost of funding earning assets | 0.5660% | 1,020 |
| Net interest margin | 3.6004% | 1,587 |
| Noninterest income to average assets | 1.8347% | 426 |
| Noninterest expense to average assets | 1.8589% | 4,089 |
| Loan and lease loss provision to assets | 0.1037% | 1,312 |
| Net operating income to assets | 2.9714% | 159 |
| Return on assets (ROA) | 2.9714% | 176 |
| Pretax return on assets | 2.9714% | 239 |
| Return on Equity (ROE) | 34.4689% | 89 |
| Retained earnings to average equity (ytd only) | 8.6172% | 2,057 |
| Net charge-offs to loans | 0.0756% | 822 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 660 |
| Efficiency ratio | 37.6751% | 4,813 |
| Assets per employee ($millions) | 7.9993% | 1,199 |
| Cash dividends to net income (ytd only)* | 75.0000% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 1,100 |
| Loan loss allowance to noncurrent loans | 65.7658% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2493% | 578 |
| Noncurrent loans to loans | 2.5486% | 358 |
| Net loans and leases to total assets | 42.8261% | 4,186 |
| Net loans and leases to deposits | 56.2603% | 3,771 |
| Net loans and leases to core deposits | 62.7973% | 3,515 |
| Total domestic deposits to total assets | 76.1213% | 4,577 |
| Equity capital to assets | 8.2507% | 4,327 |
| Core capital (leverage) ratio | 7.8042% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9702% | 2,681 |
| Memoranda: | ||
| Average total assets | $115,770,000 | 3,906 |
| Average earning assets | $99,655,000 | 3,982 |
| Average equity | $9,980,000 | 4,217 |
| Average total loans | $52,888,000 | 4,039 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 3,983 |
| Cost of funding earning assets | 0.7529% | 1,433 |
| Net interest margin | 2.7692% | 4,299 |
| Noninterest income to average assets | 0.7800% | 1,589 |
| Noninterest expense to average assets | 2.1316% | 3,867 |
| Loan and lease loss provision to assets | 0.2332% | 1,671 |
| Net operating income to assets | 0.8862% | 2,756 |
| Return on assets (ROA) | 0.9636% | 2,572 |
| Pretax return on assets | 0.9636% | 3,164 |
| Return on Equity (ROE) | 10.7146% | 1,738 |
| Retained earnings to average equity (ytd only) | 7.5477% | 1,184 |
| Net charge-offs to loans | -0.0084% | 4,223 |
| Credit loss provision to net charge-offs | -5,875.0000% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5678% | 2,597 |
| Assets per employee ($millions) | 7.4367% | 1,319 |
| Cash dividends to net income (ytd only)* | 29.5572% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 1,302 |
| Loan loss allowance to noncurrent loans | 61.6438% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3931% | 557 |
| Noncurrent loans to loans | 2.5919% | 382 |
| Net loans and leases to total assets | 47.2057% | 4,034 |
| Net loans and leases to deposits | 63.2719% | 3,495 |
| Net loans and leases to core deposits | 71.1845% | 3,160 |
| Total domestic deposits to total assets | 74.6078% | 4,605 |
| Equity capital to assets | 9.0184% | 4,035 |
| Core capital (leverage) ratio | 8.0432% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,767,600 | 3,982 |
| Average earning assets | $89,917,800 | 4,030 |
| Average equity | $9,062,400 | 4,307 |
| Average total loans | $47,811,000 | 4,147 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 4,133 |
| Cost of funding earning assets | 0.7835% | 1,575 |
| Net interest margin | 2.7594% | 4,390 |
| Noninterest income to average assets | 0.6838% | 1,844 |
| Noninterest expense to average assets | 2.1793% | 3,730 |
| Loan and lease loss provision to assets | 0.2172% | 1,846 |
| Net operating income to assets | 0.7912% | 3,125 |
| Return on assets (ROA) | 0.8143% | 3,158 |
| Pretax return on assets | 0.8143% | 3,607 |
| Return on Equity (ROE) | 9.0621% | 2,375 |
| Retained earnings to average equity (ytd only) | 6.0818% | 2,073 |
| Net charge-offs to loans | -0.0115% | 4,260 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3582% | 2,129 |
| Assets per employee ($millions) | 6.9928% | 1,504 |
| Cash dividends to net income (ytd only)* | 32.8881% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,519 |
| Loan loss allowance to noncurrent loans | 60.4022% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.3049% | 719 |
| Noncurrent loans to loans | 2.4097% | 451 |
| Net loans and leases to total assets | 47.2610% | 4,254 |
| Net loans and leases to deposits | 64.6391% | 3,745 |
| Net loans and leases to core deposits | 70.9372% | 3,561 |
| Total domestic deposits to total assets | 73.1153% | 4,627 |
| Equity capital to assets | 8.7420% | 4,299 |
| Core capital (leverage) ratio | 8.0608% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2777% | 2,846 |
| Memoranda: | ||
| Average total assets | $98,072,000 | 4,014 |
| Average earning assets | $89,002,250 | 4,036 |
| Average equity | $8,813,000 | 4,354 |
| Average total loans | $46,385,500 | 4,198 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 4,044 |
| Cost of funding earning assets | 0.8777% | 1,469 |
| Net interest margin | 2.8407% | 4,395 |
| Noninterest income to average assets | 0.5842% | 2,191 |
| Noninterest expense to average assets | 2.3024% | 3,507 |
| Loan and lease loss provision to assets | 0.1926% | 2,107 |
| Net operating income to assets | 0.6933% | 3,408 |
| Return on assets (ROA) | 0.7297% | 3,393 |
| Pretax return on assets | 0.7297% | 3,799 |
| Return on Equity (ROE) | 8.0327% | 2,732 |
| Retained earnings to average equity (ytd only) | 5.4650% | 2,286 |
| Net charge-offs to loans | -0.0182% | 4,378 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2148% | 1,651 |
| Assets per employee ($millions) | 6.6820% | 1,653 |
| Cash dividends to net income (ytd only)* | 31.9648% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,586 |
| Loan loss allowance to noncurrent loans | 52.0498% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.4339% | 671 |
| Noncurrent loans to loans | 2.6905% | 409 |
| Net loans and leases to total assets | 46.8245% | 4,323 |
| Net loans and leases to deposits | 64.9982% | 3,809 |
| Net loans and leases to core deposits | 72.0126% | 3,591 |
| Total domestic deposits to total assets | 72.0396% | 4,707 |
| Equity capital to assets | 8.9092% | 4,166 |
| Core capital (leverage) ratio | 8.5622% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,467,667 | 4,075 |
| Average earning assets | $85,682,000 | 4,090 |
| Average equity | $8,490,333 | 4,409 |
| Average total loans | $43,961,000 | 4,261 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 4,289 |
| Cost of funding earning assets | 0.9174% | 1,779 |
| Net interest margin | 2.8378% | 4,525 |
| Noninterest income to average assets | 0.6594% | 1,806 |
| Noninterest expense to average assets | 2.4808% | 3,333 |
| Loan and lease loss provision to assets | 0.1844% | 1,623 |
| Net operating income to assets | 0.5902% | 3,622 |
| Return on assets (ROA) | 0.6686% | 3,441 |
| Pretax return on assets | 0.6686% | 3,774 |
| Return on Equity (ROE) | 7.2746% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.2678% | 2,166 |
| Net charge-offs to loans | -0.0197% | 4,335 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2040% | 1,543 |
| Assets per employee ($millions) | 5.4752% | 2,145 |
| Cash dividends to net income (ytd only)* | 27.5862% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,008 |
| Loan loss allowance to noncurrent loans | 51.0046% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 598 |
| Noncurrent loans to loans | 3.1828% | 318 |
| Net loans and leases to total assets | 45.6560% | 4,437 |
| Net loans and leases to deposits | 55.2187% | 4,394 |
| Net loans and leases to core deposits | 68.2595% | 3,975 |
| Total domestic deposits to total assets | 82.6821% | 3,213 |
| Equity capital to assets | 8.7337% | 4,718 |
| Core capital (leverage) ratio | 8.8292% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2801% | 2,160 |
| Memoranda: | ||
| Average total assets | $86,745,500 | 4,176 |
| Average earning assets | $79,358,000 | 4,181 |
| Average equity | $7,973,000 | 4,484 |
| Average total loans | $40,555,500 | 4,363 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 4,101 |
| Cost of funding earning assets | 0.8186% | 2,592 |
| Net interest margin | 3.2521% | 4,079 |
| Noninterest income to average assets | 0.6658% | 1,942 |
| Noninterest expense to average assets | 2.9074% | 2,272 |
| Loan and lease loss provision to assets | 0.1422% | 1,503 |
| Net operating income to assets | 0.5770% | 4,229 |
| Return on assets (ROA) | 0.5841% | 4,266 |
| Pretax return on assets | 0.5841% | 4,434 |
| Return on Equity (ROE) | 6.4143% | 3,774 |
| Retained earnings to average equity (ytd only) | 3.6430% | 3,174 |
| Net charge-offs to loans | 0.1031% | 1,697 |
| Credit loss provision to net charge-offs | 292.6829% | 963 |
| Earnings coverage of net charge-offs (x) | 14.8049% | 2,264 |
| Efficiency ratio | 80.1699% | 928 |
| Assets per employee ($millions) | 5.3680% | 2,176 |
| Cash dividends to net income (ytd only)* | 43.2049% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,161 |
| Loan loss allowance to noncurrent loans | 47.6043% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 542 |
| Noncurrent loans to loans | 3.1986% | 273 |
| Net loans and leases to total assets | 46.3848% | 4,506 |
| Net loans and leases to deposits | 55.8595% | 4,463 |
| Net loans and leases to core deposits | 69.3226% | 4,003 |
| Total domestic deposits to total assets | 83.0384% | 3,179 |
| Equity capital to assets | 9.6579% | 4,213 |
| Core capital (leverage) ratio | 8.8695% | 4,625 |
| Tier 1 risk-based capital ratio | 13.7869% | 3,375 |
| Total risk-based capital ratio | 14.9007% | 3,348 |
| Memoranda: | ||
| Average total assets | $84,405,400 | 4,219 |
| Average earning assets | $76,843,000 | 4,236 |
| Average equity | $7,686,000 | 4,546 |
| Average total loans | $39,785,400 | 4,406 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 4,227 |
| Cost of funding earning assets | 0.8208% | 2,612 |
| Net interest margin | 3.2468% | 4,192 |
| Noninterest income to average assets | 0.3998% | 3,321 |
| Noninterest expense to average assets | 2.5766% | 3,226 |
| Loan and lease loss provision to assets | 0.1793% | 1,022 |
| Net operating income to assets | 0.5997% | 4,292 |
| Return on assets (ROA) | 0.6093% | 4,325 |
| Pretax return on assets | 0.6093% | 4,522 |
| Return on Equity (ROE) | 6.7960% | 3,770 |
| Retained earnings to average equity (ytd only) | 4.1059% | 3,345 |
| Net charge-offs to loans | 0.1380% | 1,162 |
| Credit loss provision to net charge-offs | 275.6098% | 1,006 |
| Earnings coverage of net charge-offs (x) | 11.9746% | 2,400 |
| Efficiency ratio | 76.7849% | 1,240 |
| Assets per employee ($millions) | 5.3935% | 2,128 |
| Cash dividends to net income (ytd only)* | 39.5828% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,126 |
| Loan loss allowance to noncurrent loans | 47.3235% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.0221% | 429 |
| Noncurrent loans to loans | 3.2686% | 267 |
| Net loans and leases to total assets | 44.9917% | 4,655 |
| Net loans and leases to deposits | 53.5465% | 4,649 |
| Net loans and leases to core deposits | 62.1276% | 4,452 |
| Total domestic deposits to total assets | 84.0236% | 2,814 |
| Equity capital to assets | 9.6007% | 4,390 |
| Core capital (leverage) ratio | 8.6659% | 4,857 |
| Tier 1 risk-based capital ratio | 12.6948% | 4,033 |
| Total risk-based capital ratio | 13.7169% | 4,048 |
| Memoranda: | ||
| Average total assets | $84,034,750 | 4,277 |
| Average earning assets | $76,505,000 | 4,289 |
| Average equity | $7,533,750 | 4,617 |
| Average total loans | $39,618,000 | 4,470 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 4,397 |
| Cost of funding earning assets | 0.9094% | 2,094 |
| Net interest margin | 3.0821% | 4,567 |
| Noninterest income to average assets | 0.7781% | 1,416 |
| Noninterest expense to average assets | 2.8026% | 2,580 |
| Loan and lease loss provision to assets | 0.1801% | 993 |
| Net operating income to assets | 0.6196% | 4,252 |
| Return on assets (ROA) | 0.6196% | 4,295 |
| Pretax return on assets | 0.6196% | 4,508 |
| Return on Equity (ROE) | 7.0847% | 3,645 |
| Retained earnings to average equity (ytd only) | 4.0092% | 3,248 |
| Net charge-offs to loans | 0.1966% | 840 |
| Credit loss provision to net charge-offs | 192.3077% | 1,253 |
| Earnings coverage of net charge-offs (x) | 8.5385% | 2,404 |
| Efficiency ratio | 77.8000% | 1,177 |
| Assets per employee ($millions) | 5.5271% | 1,938 |
| Cash dividends to net income (ytd only)* | 43.4109% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,576 |
| Loan loss allowance to noncurrent loans | 44.1199% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.9868% | 473 |
| Noncurrent loans to loans | 3.1943% | 302 |
| Net loans and leases to total assets | 45.4073% | 4,663 |
| Net loans and leases to deposits | 53.8574% | 4,685 |
| Net loans and leases to core deposits | 65.4769% | 4,338 |
| Total domestic deposits to total assets | 84.3102% | 2,755 |
| Equity capital to assets | 8.9390% | 4,829 |
| Core capital (leverage) ratio | 8.9501% | 4,670 |
| Tier 1 risk-based capital ratio | 14.2585% | 3,183 |
| Total risk-based capital ratio | 15.3509% | 3,181 |
| Memoranda: | ||
| Average total assets | $83,281,000 | 4,321 |
| Average earning assets | $76,311,670 | 4,323 |
| Average equity | $7,283,330 | 4,685 |
| Average total loans | $39,678,670 | 4,507 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 4,000 |
| Cost of funding earning assets | 0.8919% | 2,046 |
| Net interest margin | 3.2594% | 4,253 |
| Noninterest income to average assets | 0.9070% | 1,029 |
| Noninterest expense to average assets | 2.8747% | 2,346 |
| Loan and lease loss provision to assets | 0.1883% | 871 |
| Net operating income to assets | 0.8327% | 3,506 |
| Return on assets (ROA) | 0.8327% | 3,546 |
| Pretax return on assets | 0.8327% | 3,965 |
| Return on Equity (ROE) | 9.6379% | 2,528 |
| Retained earnings to average equity (ytd only) | 7.4005% | 1,882 |
| Net charge-offs to loans | 0.2248% | 633 |
| Credit loss provision to net charge-offs | 172.7273% | 1,142 |
| Earnings coverage of net charge-offs (x) | 9.3636% | 2,036 |
| Efficiency ratio | 73.7913% | 1,778 |
| Assets per employee ($millions) | 4.2859% | 3,504 |
| Cash dividends to net income (ytd only)* | 23.2143% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,702 |
| Loan loss allowance to noncurrent loans | 36.1202% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 2.4401% | 324 |
| Noncurrent loans to loans | 3.8556% | 207 |
| Net loans and leases to total assets | 48.0831% | 4,583 |
| Net loans and leases to deposits | 57.0415% | 4,545 |
| Net loans and leases to core deposits | 67.0566% | 4,229 |
| Total domestic deposits to total assets | 84.2949% | 2,951 |
| Equity capital to assets | 8.9326% | 4,730 |
| Core capital (leverage) ratio | 9.1145% | 4,558 |
| Tier 1 risk-based capital ratio | 14.5709% | 3,074 |
| Total risk-based capital ratio | 15.6490% | 3,073 |
| Memoranda: | ||
| Average total assets | $80,705,000 | 4,406 |
| Average earning assets | $74,001,500 | 4,415 |
| Average equity | $6,972,500 | 4,760 |
| Average total loans | $39,153,500 | 4,567 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 4,264 |
| Cost of funding earning assets | 0.7386% | 1,855 |
| Net interest margin | 3.1677% | 4,543 |
| Noninterest income to average assets | 0.7289% | 1,737 |
| Noninterest expense to average assets | 2.9774% | 2,106 |
| Loan and lease loss provision to assets | 0.2014% | 938 |
| Net operating income to assets | 0.4117% | 4,842 |
| Return on assets (ROA) | 0.4117% | 4,833 |
| Pretax return on assets | 0.4117% | 4,922 |
| Return on Equity (ROE) | 4.8656% | 4,485 |
| Retained earnings to average equity (ytd only) | 1.5624% | 4,512 |
| Net charge-offs to loans | 0.3378% | 567 |
| Credit loss provision to net charge-offs | 119.4030% | 2,179 |
| Earnings coverage of net charge-offs (x) | 3.6343% | 3,390 |
| Efficiency ratio | 82.9243% | 711 |
| Assets per employee ($millions) | 4.4432% | 3,249 |
| Cash dividends to net income (ytd only)* | 67.8899% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,665 |
| Loan loss allowance to noncurrent loans | 35.8189% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.4482% | 323 |
| Noncurrent loans to loans | 3.8913% | 195 |
| Net loans and leases to total assets | 47.5893% | 4,666 |
| Net loans and leases to deposits | 56.0727% | 4,662 |
| Net loans and leases to core deposits | 63.5632% | 4,466 |
| Total domestic deposits to total assets | 84.8708% | 2,698 |
| Equity capital to assets | 8.3410% | 5,022 |
| Core capital (leverage) ratio | 9.1102% | 4,548 |
| Tier 1 risk-based capital ratio | 15.1150% | 2,776 |
| Total risk-based capital ratio | 16.2222% | 2,771 |
| Memoranda: | ||
| Average total assets | $79,430,800 | 4,437 |
| Average earning assets | $71,754,600 | 4,462 |
| Average equity | $6,720,600 | 4,790 |
| Average total loans | $39,667,000 | 4,561 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,258 |
| Cost of funding earning assets | 0.7054% | 1,816 |
| Net interest margin | 3.1741% | 4,563 |
| Noninterest income to average assets | 0.7398% | 1,715 |
| Noninterest expense to average assets | 3.0081% | 1,998 |
| Loan and lease loss provision to assets | 0.1581% | 1,225 |
| Net operating income to assets | 0.4338% | 4,889 |
| Return on assets (ROA) | 0.4338% | 4,895 |
| Pretax return on assets | 0.4338% | 4,997 |
| Return on Equity (ROE) | 5.1090% | 4,523 |
| Retained earnings to average equity (ytd only) | 1.4653% | 4,739 |
| Net charge-offs to loans | 0.4507% | 346 |
| Credit loss provision to net charge-offs | 69.6296% | 2,639 |
| Earnings coverage of net charge-offs (x) | 2.6073% | 3,232 |
| Efficiency ratio | 83.5591% | 673 |
| Assets per employee ($millions) | 4.5104% | 3,108 |
| Cash dividends to net income (ytd only)* | 71.3189% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,828 |
| Loan loss allowance to noncurrent loans | 28.8957% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 2.5694% | 333 |
| Noncurrent loans to loans | 4.0266% | 202 |
| Net loans and leases to total assets | 49.2813% | 4,645 |
| Net loans and leases to deposits | 57.9611% | 4,644 |
| Net loans and leases to core deposits | 64.2555% | 4,504 |
| Total domestic deposits to total assets | 85.0247% | 2,598 |
| Equity capital to assets | 7.9188% | 5,203 |
| Core capital (leverage) ratio | 9.1678% | 4,546 |
| Tier 1 risk-based capital ratio | 13.9325% | 3,404 |
| Total risk-based capital ratio | 14.8296% | 3,489 |
| Memoranda: | ||
| Average total assets | $79,294,000 | 4,486 |
| Average earning assets | $71,451,750 | 4,512 |
| Average equity | $6,733,000 | 4,835 |
| Average total loans | $39,934,000 | 4,599 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8845% | 4,114 |
| Cost of funding earning assets | 0.6611% | 1,865 |
| Net interest margin | 3.2234% | 4,451 |
| Noninterest income to average assets | 0.7602% | 1,610 |
| Noninterest expense to average assets | 2.7662% | 2,778 |
| Loan and lease loss provision to assets | 0.1170% | 1,695 |
| Net operating income to assets | 0.7780% | 3,927 |
| Return on assets (ROA) | 0.7780% | 3,931 |
| Pretax return on assets | 0.7780% | 4,311 |
| Return on Equity (ROE) | 8.9548% | 3,040 |
| Retained earnings to average equity (ytd only) | 5.5602% | 2,789 |
| Net charge-offs to loans | 0.0151% | 2,641 |
| Credit loss provision to net charge-offs | 1,533.3333% | 269 |
| Earnings coverage of net charge-offs (x) | 117.3333% | 623 |
| Efficiency ratio | 75.5556% | 1,487 |
| Assets per employee ($millions) | 4.4274% | 3,238 |
| Cash dividends to net income (ytd only)* | 37.9085% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 1,837 |
| Loan loss allowance to noncurrent loans | 26.3408% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 3.2738% | 209 |
| Noncurrent loans to loans | 5.2133% | 123 |
| Net loans and leases to total assets | 50.0182% | 4,605 |
| Net loans and leases to deposits | 59.2244% | 4,576 |
| Net loans and leases to core deposits | 66.6483% | 4,335 |
| Total domestic deposits to total assets | 84.4553% | 2,894 |
| Equity capital to assets | 8.4085% | 5,007 |
| Core capital (leverage) ratio | 9.5603% | 4,044 |
| Tier 1 risk-based capital ratio | 14.2594% | 3,228 |
| Total risk-based capital ratio | 15.3244% | 3,239 |
| Memoranda: | ||
| Average total assets | $78,663,000 | 4,544 |
| Average earning assets | $70,795,000 | 4,571 |
| Average equity | $6,834,330 | 4,873 |
| Average total loans | $39,751,670 | 4,648 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 4,234 |
| Cost of funding earning assets | 0.6079% | 2,005 |
| Net interest margin | 3.1874% | 4,511 |
| Noninterest income to average assets | 0.8292% | 1,363 |
| Noninterest expense to average assets | 2.7845% | 2,756 |
| Loan and lease loss provision to assets | 0.1177% | 1,603 |
| Net operating income to assets | 0.7985% | 3,707 |
| Return on assets (ROA) | 0.7985% | 3,718 |
| Pretax return on assets | 0.7985% | 4,155 |
| Return on Equity (ROE) | 9.0422% | 2,891 |
| Retained earnings to average equity (ytd only) | 6.8396% | 2,348 |
| Net charge-offs to loans | 0.0101% | 2,384 |
| Credit loss provision to net charge-offs | 2,300.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 365 |
| Efficiency ratio | 75.2420% | 1,713 |
| Assets per employee ($millions) | 4.0826% | 3,831 |
| Cash dividends to net income (ytd only)* | 24.3590% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,173 |
| Loan loss allowance to noncurrent loans | 30.2431% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 2.9277% | 279 |
| Noncurrent loans to loans | 4.3476% | 210 |
| Net loans and leases to total assets | 51.7655% | 4,453 |
| Net loans and leases to deposits | 61.7725% | 4,359 |
| Net loans and leases to core deposits | 69.3255% | 4,122 |
| Total domestic deposits to total assets | 83.8002% | 3,404 |
| Equity capital to assets | 8.7006% | 4,825 |
| Core capital (leverage) ratio | 9.6320% | 3,928 |
| Tier 1 risk-based capital ratio | 14.1587% | 3,298 |
| Total risk-based capital ratio | 15.1882% | 3,328 |
| Memoranda: | ||
| Average total assets | $78,148,000 | 4,601 |
| Average earning assets | $70,402,000 | 4,636 |
| Average equity | $6,901,000 | 4,908 |
| Average total loans | $39,419,500 | 4,704 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 4,212 |
| Cost of funding earning assets | 0.5850% | 1,712 |
| Net interest margin | 3.1663% | 4,528 |
| Noninterest income to average assets | 0.6879% | 2,018 |
| Noninterest expense to average assets | 2.7581% | 2,929 |
| Loan and lease loss provision to assets | 0.2987% | 577 |
| Net operating income to assets | 0.4655% | 4,473 |
| Return on assets (ROA) | 0.5431% | 4,283 |
| Pretax return on assets | 0.5431% | 4,858 |
| Return on Equity (ROE) | 5.8885% | 3,808 |
| Retained earnings to average equity (ytd only) | 2.8741% | 3,590 |
| Net charge-offs to loans | 0.5500% | 423 |
| Credit loss provision to net charge-offs | 112.6829% | 2,312 |
| Earnings coverage of net charge-offs (x) | 2.8829% | 3,681 |
| Efficiency ratio | 78.3040% | 1,313 |
| Assets per employee ($millions) | 4.3737% | 3,369 |
| Cash dividends to net income (ytd only)* | 51.1905% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 2,013 |
| Loan loss allowance to noncurrent loans | 28.9102% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 2.8872% | 289 |
| Noncurrent loans to loans | 4.6422% | 168 |
| Net loans and leases to total assets | 47.8082% | 4,781 |
| Net loans and leases to deposits | 56.1585% | 4,792 |
| Net loans and leases to core deposits | 63.8343% | 4,541 |
| Total domestic deposits to total assets | 85.1309% | 2,787 |
| Equity capital to assets | 8.9588% | 4,764 |
| Core capital (leverage) ratio | 9.4558% | 4,099 |
| Tier 1 risk-based capital ratio | 14.3902% | 3,143 |
| Total risk-based capital ratio | 15.4077% | 3,180 |
| Memoranda: | ||
| Average total assets | $77,337,000 | 4,637 |
| Average earning assets | $69,228,800 | 4,679 |
| Average equity | $7,132,600 | 4,921 |
| Average total loans | $37,276,000 | 4,811 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 4,125 |
| Cost of funding earning assets | 0.5800% | 1,669 |
| Net interest margin | 3.1859% | 4,488 |
| Noninterest income to average assets | 0.6789% | 2,090 |
| Noninterest expense to average assets | 2.7588% | 2,866 |
| Loan and lease loss provision to assets | 0.2009% | 946 |
| Net operating income to assets | 0.5732% | 4,487 |
| Return on assets (ROA) | 0.6771% | 4,150 |
| Pretax return on assets | 0.6771% | 4,665 |
| Return on Equity (ROE) | 7.2886% | 3,499 |
| Retained earnings to average equity (ytd only) | 4.9212% | 2,941 |
| Net charge-offs to loans | 0.2483% | 872 |
| Credit loss provision to net charge-offs | 168.1159% | 1,542 |
| Earnings coverage of net charge-offs (x) | 6.4782% | 2,984 |
| Efficiency ratio | 78.0882% | 1,323 |
| Assets per employee ($millions) | 4.2542% | 3,556 |
| Cash dividends to net income (ytd only)* | 32.4810% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 2,136 |
| Loan loss allowance to noncurrent loans | 231.7391% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,780 |
| Noncurrent loans to loans | 0.5808% | 2,950 |
| Net loans and leases to total assets | 51.0219% | 4,643 |
| Net loans and leases to deposits | 60.5671% | 4,612 |
| Net loans and leases to core deposits | 69.2350% | 4,290 |
| Total domestic deposits to total assets | 84.2403% | 3,024 |
| Equity capital to assets | 9.6037% | 4,341 |
| Core capital (leverage) ratio | 9.6613% | 3,977 |
| Tier 1 risk-based capital ratio | 14.6702% | 3,087 |
| Total risk-based capital ratio | 15.7414% | 3,101 |
| Memoranda: | ||
| Average total assets | $76,989,500 | 4,695 |
| Average earning assets | $68,969,500 | 4,736 |
| Average equity | $7,152,500 | 4,971 |
| Average total loans | $37,057,500 | 4,869 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 4,253 |
| Cost of funding earning assets | 0.5712% | 1,640 |
| Net interest margin | 3.1199% | 4,631 |
| Noninterest income to average assets | 0.6716% | 2,120 |
| Noninterest expense to average assets | 2.7124% | 3,051 |
| Loan and lease loss provision to assets | 0.2463% | 680 |
| Net operating income to assets | 0.5031% | 4,698 |
| Return on assets (ROA) | 0.5497% | 4,562 |
| Pretax return on assets | 0.5497% | 4,906 |
| Return on Equity (ROE) | 5.9842% | 4,054 |
| Retained earnings to average equity (ytd only) | 4.5164% | 3,022 |
| Net charge-offs to loans | 0.3369% | 600 |
| Credit loss provision to net charge-offs | 155.7377% | 1,490 |
| Earnings coverage of net charge-offs (x) | 4.7377% | 2,892 |
| Efficiency ratio | 78.3521% | 1,412 |
| Assets per employee ($millions) | 4.4369% | 3,219 |
| Cash dividends to net income (ytd only)* | 24.5283% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,178 |
| Loan loss allowance to noncurrent loans | 160.9907% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 1,554 |
| Noncurrent loans to loans | 0.8381% | 2,311 |
| Net loans and leases to total assets | 50.4057% | 4,680 |
| Net loans and leases to deposits | 59.9609% | 4,632 |
| Net loans and leases to core deposits | 68.4478% | 4,326 |
| Total domestic deposits to total assets | 84.0643% | 3,168 |
| Equity capital to assets | 9.7285% | 4,199 |
| Core capital (leverage) ratio | 9.3120% | 4,355 |
| Tier 1 risk-based capital ratio | 14.7829% | 3,020 |
| Total risk-based capital ratio | 15.8511% | 3,032 |
| Memoranda: | ||
| Average total assets | $77,127,670 | 4,721 |
| Average earning assets | $68,977,000 | 4,765 |
| Average equity | $7,085,330 | 5,006 |
| Average total loans | $36,209,000 | 4,926 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,035 |
| Cost of funding earning assets | 0.5434% | 1,759 |
| Net interest margin | 3.1796% | 4,406 |
| Noninterest income to average assets | 0.6566% | 2,149 |
| Noninterest expense to average assets | 2.6469% | 3,314 |
| Loan and lease loss provision to assets | 0.3950% | 286 |
| Net operating income to assets | 0.4360% | 4,835 |
| Return on assets (ROA) | 0.4360% | 4,856 |
| Pretax return on assets | 0.4360% | 5,088 |
| Return on Equity (ROE) | 4.8858% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.7708% | 3,027 |
| Net charge-offs to loans | 0.6963% | 252 |
| Credit loss provision to net charge-offs | 126.2295% | 1,339 |
| Earnings coverage of net charge-offs (x) | 2.6557% | 2,564 |
| Efficiency ratio | 76.1062% | 1,888 |
| Assets per employee ($millions) | 4.1863% | 3,685 |
| Cash dividends to net income (ytd only)* | 2.3529% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,087 |
| Loan loss allowance to noncurrent loans | 353.5211% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 2,218 |
| Noncurrent loans to loans | 0.3955% | 3,683 |
| Net loans and leases to total assets | 44.5140% | 5,009 |
| Net loans and leases to deposits | 54.9561% | 4,883 |
| Net loans and leases to core deposits | 62.5216% | 4,614 |
| Total domestic deposits to total assets | 80.9993% | 4,414 |
| Equity capital to assets | 8.8372% | 4,964 |
| Core capital (leverage) ratio | 9.2117% | 4,468 |
| Tier 1 risk-based capital ratio | 14.9629% | 2,983 |
| Total risk-based capital ratio | 16.0182% | 3,006 |
| Memoranda: | ||
| Average total assets | $77,977,500 | 4,753 |
| Average earning assets | $69,192,000 | 4,808 |
| Average equity | $6,959,000 | 5,073 |
| Average total loans | $35,043,500 | 4,999 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 3,792 |
| Cost of funding earning assets | 0.5065% | 2,039 |
| Net interest margin | 3.3281% | 4,061 |
| Noninterest income to average assets | 0.7765% | 1,848 |
| Noninterest expense to average assets | 2.8727% | 2,775 |
| Loan and lease loss provision to assets | 0.2565% | 813 |
| Net operating income to assets | 0.6311% | 4,089 |
| Return on assets (ROA) | 0.6612% | 4,063 |
| Pretax return on assets | 0.6612% | 4,617 |
| Return on Equity (ROE) | 6.4608% | 3,756 |
| Retained earnings to average equity (ytd only) | -0.8177% | 5,421 |
| Net charge-offs to loans | 0.4441% | 569 |
| Credit loss provision to net charge-offs | 124.6667% | 2,143 |
| Earnings coverage of net charge-offs (x) | 4.3133% | 3,514 |
| Efficiency ratio | 76.3955% | 1,922 |
| Assets per employee ($millions) | 4.2453% | 3,536 |
| Cash dividends to net income (ytd only)* | 112.6556% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,981 |
| Loan loss allowance to noncurrent loans | 249.7436% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 2,026 |
| Noncurrent loans to loans | 0.5705% | 3,128 |
| Net loans and leases to total assets | 44.0902% | 5,111 |
| Net loans and leases to deposits | 52.0155% | 5,125 |
| Net loans and leases to core deposits | 58.9991% | 4,906 |
| Total domestic deposits to total assets | 84.7637% | 3,148 |
| Equity capital to assets | 9.0151% | 4,804 |
| Core capital (leverage) ratio | 9.3792% | 4,248 |
| Tier 1 risk-based capital ratio | 14.6764% | 3,113 |
| Total risk-based capital ratio | 15.6922% | 3,147 |
| Memoranda: | ||
| Average total assets | $72,893,000 | 4,871 |
| Average earning assets | $65,352,600 | 4,909 |
| Average equity | $7,460,400 | 5,013 |
| Average total loans | $33,779,600 | 5,075 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 3,831 |
| Cost of funding earning assets | 0.5024% | 2,089 |
| Net interest margin | 3.3281% | 4,101 |
| Noninterest income to average assets | 0.8202% | 1,687 |
| Noninterest expense to average assets | 2.9439% | 2,484 |
| Loan and lease loss provision to assets | 0.2314% | 859 |
| Net operating income to assets | 0.6499% | 4,083 |
| Return on assets (ROA) | 0.6906% | 4,036 |
| Pretax return on assets | 0.6906% | 4,637 |
| Return on Equity (ROE) | 6.5409% | 3,811 |
| Retained earnings to average equity (ytd only) | -1.5783% | 5,560 |
| Net charge-offs to loans | 0.3167% | 732 |
| Credit loss provision to net charge-offs | 156.2500% | 1,728 |
| Earnings coverage of net charge-offs (x) | 5.9502% | 3,059 |
| Efficiency ratio | 76.9603% | 1,842 |
| Assets per employee ($millions) | 4.0901% | 3,807 |
| Cash dividends to net income (ytd only)* | 124.1293% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,892 |
| Loan loss allowance to noncurrent loans | 179.6364% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0568% | 1,953 |
| Noncurrent loans to loans | 0.8178% | 2,624 |
| Net loans and leases to total assets | 45.0035% | 5,141 |
| Net loans and leases to deposits | 52.6892% | 5,176 |
| Net loans and leases to core deposits | 68.0398% | 4,468 |
| Total domestic deposits to total assets | 85.4131% | 2,638 |
| Equity capital to assets | 10.4345% | 3,625 |
| Core capital (leverage) ratio | 9.6407% | 4,009 |
| Tier 1 risk-based capital ratio | 15.8063% | 2,702 |
| Total risk-based capital ratio | 16.9209% | 2,692 |
| Memoranda: | ||
| Average total assets | $72,012,250 | 4,931 |
| Average earning assets | $65,021,000 | 4,960 |
| Average equity | $7,603,250 | 5,047 |
| Average total loans | $33,679,750 | 5,126 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8674% | 3,715 |
| Cost of funding earning assets | 0.4962% | 2,131 |
| Net interest margin | 3.3712% | 3,997 |
| Noninterest income to average assets | 0.7359% | 1,986 |
| Noninterest expense to average assets | 2.9464% | 2,532 |
| Loan and lease loss provision to assets | 0.0867% | 2,409 |
| Net operating income to assets | 0.7443% | 3,573 |
| Return on assets (ROA) | 0.7891% | 3,508 |
| Pretax return on assets | 0.7891% | 4,325 |
| Return on Equity (ROE) | 7.4436% | 3,295 |
| Retained earnings to average equity (ytd only) | -2.9035% | 5,623 |
| Net charge-offs to loans | 0.0059% | 3,488 |
| Credit loss provision to net charge-offs | 3,100.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 232 |
| Efficiency ratio | 78.0000% | 1,793 |
| Assets per employee ($millions) | 4.0053% | 3,889 |
| Cash dividends to net income (ytd only)* | 139.0071% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 2,348 |
| Loan loss allowance to noncurrent loans | 111.6279% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2150% | 1,704 |
| Noncurrent loans to loans | 1.2444% | 1,846 |
| Net loans and leases to total assets | 47.2634% | 5,051 |
| Net loans and leases to deposits | 55.9634% | 5,016 |
| Net loans and leases to core deposits | 63.4402% | 4,784 |
| Total domestic deposits to total assets | 84.4541% | 3,105 |
| Equity capital to assets | 10.6525% | 3,467 |
| Core capital (leverage) ratio | 9.7999% | 3,808 |
| Tier 1 risk-based capital ratio | 15.8662% | 2,705 |
| Total risk-based capital ratio | 16.9562% | 2,715 |
| Memoranda: | ||
| Average total assets | $71,476,000 | 4,995 |
| Average earning assets | $64,488,330 | 5,018 |
| Average equity | $7,577,000 | 5,094 |
| Average total loans | $33,697,670 | 5,181 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,521 |
| Cost of funding earning assets | 0.4999% | 2,107 |
| Net interest margin | 3.4178% | 3,810 |
| Noninterest income to average assets | 0.6913% | 2,080 |
| Noninterest expense to average assets | 2.9396% | 2,573 |
| Loan and lease loss provision to assets | 0.0450% | 3,027 |
| Net operating income to assets | 0.7813% | 3,345 |
| Return on assets (ROA) | 0.8712% | 3,007 |
| Pretax return on assets | 0.8712% | 3,964 |
| Return on Equity (ROE) | 8.2387% | 2,789 |
| Retained earnings to average equity (ytd only) | -8.3450% | 5,762 |
| Net charge-offs to loans | 0.0120% | 2,723 |
| Credit loss provision to net charge-offs | 800.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 409 |
| Efficiency ratio | 78.0597% | 1,885 |
| Assets per employee ($millions) | 3.7296% | 4,423 |
| Cash dividends to net income (ytd only)* | 201.2903% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,672 |
| Loan loss allowance to noncurrent loans | 154.3919% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0471% | 2,117 |
| Noncurrent loans to loans | 0.8724% | 2,664 |
| Net loans and leases to total assets | 47.2383% | 5,026 |
| Net loans and leases to deposits | 56.5888% | 4,945 |
| Net loans and leases to core deposits | 66.5712% | 4,497 |
| Total domestic deposits to total assets | 83.4763% | 3,720 |
| Equity capital to assets | 10.5670% | 3,409 |
| Core capital (leverage) ratio | 9.6359% | 3,986 |
| Tier 1 risk-based capital ratio | 15.8017% | 2,780 |
| Total risk-based capital ratio | 16.8424% | 2,797 |
| Memoranda: | ||
| Average total assets | $71,166,000 | 5,045 |
| Average earning assets | $64,017,000 | 5,078 |
| Average equity | $7,525,500 | 5,137 |
| Average total loans | $33,269,000 | 5,234 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 4,187 |
| Cost of funding earning assets | 0.4340% | 2,805 |
| Net interest margin | 3.3187% | 4,214 |
| Noninterest income to average assets | 0.7010% | 2,196 |
| Noninterest expense to average assets | 2.8147% | 3,172 |
| Loan and lease loss provision to assets | 0.1017% | 2,289 |
| Net operating income to assets | 0.7719% | 3,455 |
| Return on assets (ROA) | 0.8000% | 3,426 |
| Pretax return on assets | 0.8000% | 4,185 |
| Return on Equity (ROE) | 8.0623% | 2,935 |
| Retained earnings to average equity (ytd only) | 3.5054% | 3,568 |
| Net charge-offs to loans | 0.0063% | 4,230 |
| Credit loss provision to net charge-offs | 3,800.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 326.5000% | 214 |
| Efficiency ratio | 76.3148% | 2,218 |
| Assets per employee ($millions) | 3.7616% | 4,355 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 2,516 |
| Loan loss allowance to noncurrent loans | 154.1096% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 2,126 |
| Noncurrent loans to loans | 0.8955% | 2,552 |
| Net loans and leases to total assets | 44.9937% | 5,228 |
| Net loans and leases to deposits | 52.8238% | 5,233 |
| Net loans and leases to core deposits | 57.6683% | 5,125 |
| Total domestic deposits to total assets | 85.1770% | 3,010 |
| Equity capital to assets | 10.5821% | 3,272 |
| Core capital (leverage) ratio | 9.8360% | 3,727 |
| Tier 1 risk-based capital ratio | 16.2917% | 2,566 |
| Total risk-based capital ratio | 17.3247% | 2,603 |
| Memoranda: | ||
| Average total assets | $74,751,000 | 4,974 |
| Average earning assets | $67,285,800 | 5,005 |
| Average equity | $7,417,200 | 5,167 |
| Average total loans | $31,496,600 | 5,311 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,391 |
| Cost of funding earning assets | 0.4305% | 2,901 |
| Net interest margin | 3.2778% | 4,432 |
| Noninterest income to average assets | 0.7093% | 2,193 |
| Noninterest expense to average assets | 2.7523% | 3,374 |
| Loan and lease loss provision to assets | 0.1164% | 1,946 |
| Net operating income to assets | 0.7957% | 3,446 |
| Return on assets (ROA) | 0.8645% | 3,202 |
| Pretax return on assets | 0.8645% | 4,118 |
| Return on Equity (ROE) | 8.8517% | 2,656 |
| Retained earnings to average equity (ytd only) | 3.3781% | 4,065 |
| Net charge-offs to loans | 0.0128% | 3,727 |
| Credit loss provision to net charge-offs | 2,200.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 172.3300% | 415 |
| Efficiency ratio | 75.1083% | 2,390 |
| Assets per employee ($millions) | 3.6907% | 4,464 |
| Cash dividends to net income (ytd only)* | 61.8365% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 2,862 |
| Loan loss allowance to noncurrent loans | 151.0345% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 2,368 |
| Noncurrent loans to loans | 0.8927% | 2,743 |
| Net loans and leases to total assets | 43.4192% | 5,392 |
| Net loans and leases to deposits | 51.4405% | 5,395 |
| Net loans and leases to core deposits | 54.2284% | 5,389 |
| Total domestic deposits to total assets | 84.4065% | 3,256 |
| Equity capital to assets | 10.1297% | 4,023 |
| Core capital (leverage) ratio | 9.4519% | 4,364 |
| Tier 1 risk-based capital ratio | 15.6480% | 2,975 |
| Total risk-based capital ratio | 16.6236% | 3,037 |
| Memoranda: | ||
| Average total assets | $75,571,250 | 5,012 |
| Average earning assets | $68,134,000 | 5,040 |
| Average equity | $7,380,750 | 5,239 |
| Average total loans | $31,219,000 | 5,377 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 4,450 |
| Cost of funding earning assets | 0.4315% | 2,922 |
| Net interest margin | 3.2536% | 4,480 |
| Noninterest income to average assets | 0.6907% | 2,251 |
| Noninterest expense to average assets | 2.7128% | 3,551 |
| Loan and lease loss provision to assets | 0.1182% | 1,876 |
| Net operating income to assets | 0.7905% | 3,434 |
| Return on assets (ROA) | 0.8850% | 3,080 |
| Pretax return on assets | 0.8850% | 4,009 |
| Return on Equity (ROE) | 9.1717% | 2,447 |
| Retained earnings to average equity (ytd only) | 3.7286% | 3,647 |
| Net charge-offs to loans | -0.0195% | 5,168 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9094% | 2,552 |
| Assets per employee ($millions) | 3.7701% | 4,293 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 3,131 |
| Loan loss allowance to noncurrent loans | 186.7841% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9841% | 2,556 |
| Noncurrent loans to loans | 0.7068% | 3,370 |
| Net loans and leases to total assets | 42.0294% | 5,504 |
| Net loans and leases to deposits | 48.6424% | 5,570 |
| Net loans and leases to core deposits | 53.0349% | 5,484 |
| Total domestic deposits to total assets | 86.4049% | 2,486 |
| Equity capital to assets | 9.6841% | 4,426 |
| Core capital (leverage) ratio | 9.2675% | 4,598 |
| Tier 1 risk-based capital ratio | 15.3112% | 3,192 |
| Total risk-based capital ratio | 16.2419% | 3,299 |
| Memoranda: | ||
| Average total assets | $76,157,330 | 5,051 |
| Average earning assets | $68,601,330 | 5,075 |
| Average equity | $7,348,670 | 5,291 |
| Average total loans | $30,796,330 | 5,441 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,204 |
| Cost of funding earning assets | 0.4358% | 2,921 |
| Net interest margin | 3.3120% | 4,163 |
| Noninterest income to average assets | 0.6272% | 2,513 |
| Noninterest expense to average assets | 2.6811% | 3,653 |
| Loan and lease loss provision to assets | 0.1045% | 1,960 |
| Net operating income to assets | 0.8205% | 3,155 |
| Return on assets (ROA) | 0.8258% | 3,260 |
| Pretax return on assets | 0.8258% | 4,147 |
| Return on Equity (ROE) | 8.5730% | 2,655 |
| Retained earnings to average equity (ytd only) | 0.2170% | 5,298 |
| Net charge-offs to loans | -0.0398% | 5,404 |
| Credit loss provision to net charge-offs | -666.6667% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3478% | 2,756 |
| Assets per employee ($millions) | 4.0235% | 3,913 |
| Cash dividends to net income (ytd only)* | 97.4684% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 3,370 |
| Loan loss allowance to noncurrent loans | 3,316.6667% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 3,024 |
| Noncurrent loans to loans | 0.0394% | 5,627 |
| Net loans and leases to total assets | 39.3507% | 5,636 |
| Net loans and leases to deposits | 46.9921% | 5,622 |
| Net loans and leases to core deposits | 51.3161% | 5,529 |
| Total domestic deposits to total assets | 83.7388% | 3,913 |
| Equity capital to assets | 9.6879% | 4,524 |
| Core capital (leverage) ratio | 8.9025% | 5,068 |
| Tier 1 risk-based capital ratio | 15.3803% | 3,207 |
| Total risk-based capital ratio | 16.2751% | 3,350 |
| Memoranda: | ||
| Average total assets | $76,535,000 | 5,098 |
| Average earning assets | $68,841,500 | 5,120 |
| Average equity | $7,372,000 | 5,331 |
| Average total loans | $30,137,000 | 5,505 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 4,202 |
| Cost of funding earning assets | 0.4877% | 2,801 |
| Net interest margin | 3.3933% | 4,226 |
| Noninterest income to average assets | 0.6242% | 2,717 |
| Noninterest expense to average assets | 2.7650% | 3,614 |
| Loan and lease loss provision to assets | 0.0712% | 3,063 |
| Net operating income to assets | 0.8100% | 3,325 |
| Return on assets (ROA) | 0.8100% | 3,412 |
| Pretax return on assets | 0.8100% | 4,220 |
| Return on Equity (ROE) | 8.4514% | 2,878 |
| Retained earnings to average equity (ytd only) | 5.2894% | 2,410 |
| Net charge-offs to loans | 0.0990% | 3,094 |
| Credit loss provision to net charge-offs | 175.8621% | 1,381 |
| Earnings coverage of net charge-offs (x) | 21.7586% | 1,661 |
| Efficiency ratio | 75.8330% | 2,537 |
| Assets per employee ($millions) | 4.0328% | 3,878 |
| Cash dividends to net income (ytd only)* | 37.4138% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 3,677 |
| Loan loss allowance to noncurrent loans | 3,409.0909% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 3,051 |
| Noncurrent loans to loans | 0.0369% | 5,734 |
| Net loans and leases to total assets | 38.3940% | 5,830 |
| Net loans and leases to deposits | 44.5979% | 5,859 |
| Net loans and leases to core deposits | 48.5678% | 5,782 |
| Total domestic deposits to total assets | 86.0892% | 2,790 |
| Equity capital to assets | 9.5766% | 4,624 |
| Core capital (leverage) ratio | 8.8299% | 5,214 |
| Tier 1 risk-based capital ratio | 16.2110% | 2,856 |
| Total risk-based capital ratio | 17.1002% | 2,984 |
| Memoranda: | ||
| Average total assets | $71,608,200 | 5,240 |
| Average earning assets | $63,772,400 | 5,284 |
| Average equity | $6,862,800 | 5,446 |
| Average total loans | $29,297,200 | 5,587 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 4,195 |
| Cost of funding earning assets | 0.5008% | 2,753 |
| Net interest margin | 3.3928% | 4,270 |
| Noninterest income to average assets | 0.6519% | 2,567 |
| Noninterest expense to average assets | 2.7745% | 3,560 |
| Loan and lease loss provision to assets | 0.0663% | 3,022 |
| Net operating income to assets | 0.8282% | 3,295 |
| Return on assets (ROA) | 0.8282% | 3,383 |
| Pretax return on assets | 0.8282% | 4,261 |
| Return on Equity (ROE) | 8.6395% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.6148% | 2,657 |
| Net charge-offs to loans | -0.0137% | 5,506 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6198% | 2,555 |
| Assets per employee ($millions) | 3.6614% | 4,555 |
| Cash dividends to net income (ytd only)* | 35.0107% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 3,723 |
| Loan loss allowance to noncurrent loans | 273.4266% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 3,183 |
| Noncurrent loans to loans | 0.4700% | 4,497 |
| Net loans and leases to total assets | 39.0623% | 5,877 |
| Net loans and leases to deposits | 45.5469% | 5,892 |
| Net loans and leases to core deposits | 49.6208% | 5,808 |
| Total domestic deposits to total assets | 85.7628% | 2,976 |
| Equity capital to assets | 9.2236% | 5,124 |
| Core capital (leverage) ratio | 8.8054% | 5,332 |
| Tier 1 risk-based capital ratio | 15.7916% | 3,163 |
| Total risk-based capital ratio | 16.7052% | 3,283 |
| Memoranda: | ||
| Average total assets | $70,354,250 | 5,332 |
| Average earning assets | $62,561,750 | 5,385 |
| Average equity | $6,744,000 | 5,521 |
| Average total loans | $29,173,000 | 5,654 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 4,140 |
| Cost of funding earning assets | 0.5218% | 2,623 |
| Net interest margin | 3.3769% | 4,277 |
| Noninterest income to average assets | 0.6747% | 2,406 |
| Noninterest expense to average assets | 2.8808% | 3,233 |
| Loan and lease loss provision to assets | 0.0587% | 3,108 |
| Net operating income to assets | 0.7158% | 3,755 |
| Return on assets (ROA) | 0.7158% | 3,851 |
| Pretax return on assets | 0.7158% | 4,590 |
| Return on Equity (ROE) | 7.3627% | 3,436 |
| Retained earnings to average equity (ytd only) | 5.0996% | 2,896 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8122% | 2,194 |
| Assets per employee ($millions) | 3.2912% | 5,266 |
| Cash dividends to net income (ytd only)* | 30.7377% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 4,263 |
| Loan loss allowance to noncurrent loans | 388.5417% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 3,201 |
| Noncurrent loans to loans | 0.3173% | 5,060 |
| Net loans and leases to total assets | 43.2389% | 5,586 |
| Net loans and leases to deposits | 51.2124% | 5,547 |
| Net loans and leases to core deposits | 56.4475% | 5,381 |
| Total domestic deposits to total assets | 84.4305% | 3,759 |
| Equity capital to assets | 10.1337% | 3,929 |
| Core capital (leverage) ratio | 9.6696% | 4,084 |
| Tier 1 risk-based capital ratio | 16.1011% | 3,039 |
| Total risk-based capital ratio | 17.0052% | 3,156 |
| Memoranda: | ||
| Average total assets | $68,175,670 | 5,446 |
| Average earning assets | $60,174,330 | 5,497 |
| Average equity | $6,628,000 | 5,575 |
| Average total loans | $28,755,330 | 5,711 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 4,122 |
| Cost of funding earning assets | 0.5451% | 2,465 |
| Net interest margin | 3.3446% | 4,352 |
| Noninterest income to average assets | 0.6617% | 2,393 |
| Noninterest expense to average assets | 2.7826% | 3,630 |
| Loan and lease loss provision to assets | 0.0886% | 2,437 |
| Net operating income to assets | 0.7267% | 3,558 |
| Return on assets (ROA) | 0.7267% | 3,640 |
| Pretax return on assets | 0.7267% | 4,399 |
| Return on Equity (ROE) | 7.6398% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.6584% | 3,324 |
| Net charge-offs to loans | 0.0429% | 2,786 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 803 |
| Efficiency ratio | 77.3399% | 2,586 |
| Assets per employee ($millions) | 3.4080% | 5,134 |
| Cash dividends to net income (ytd only)* | 39.0244% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,195 |
| Loan loss allowance to noncurrent loans | 376.2887% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 3,079 |
| Noncurrent loans to loans | 0.3418% | 5,089 |
| Net loans and leases to total assets | 41.1018% | 5,740 |
| Net loans and leases to deposits | 49.1586% | 5,655 |
| Net loans and leases to core deposits | 54.3147% | 5,476 |
| Total domestic deposits to total assets | 83.6106% | 4,416 |
| Equity capital to assets | 9.6185% | 4,333 |
| Core capital (leverage) ratio | 9.6023% | 4,130 |
| Tier 1 risk-based capital ratio | 16.4242% | 2,936 |
| Total risk-based capital ratio | 17.3397% | 3,083 |
| Memoranda: | ||
| Average total assets | $67,705,500 | 5,514 |
| Average earning assets | $59,438,500 | 5,571 |
| Average equity | $6,440,000 | 5,653 |
| Average total loans | $28,004,000 | 5,798 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 5,289 |
| Cost of funding earning assets | 0.6203% | 2,476 |
| Net interest margin | 3.0267% | 5,516 |
| Noninterest income to average assets | 0.6674% | 2,720 |
| Noninterest expense to average assets | 2.8467% | 3,543 |
| Loan and lease loss provision to assets | 0.1669% | 2,191 |
| Net operating income to assets | 0.3018% | 5,515 |
| Return on assets (ROA) | 0.3714% | 5,366 |
| Pretax return on assets | 0.3714% | 5,555 |
| Return on Equity (ROE) | 3.9301% | 5,146 |
| Retained earnings to average equity (ytd only) | 0.8904% | 5,436 |
| Net charge-offs to loans | 0.5204% | 1,271 |
| Credit loss provision to net charge-offs | 81.5603% | 3,002 |
| Earnings coverage of net charge-offs (x) | 2.2908% | 4,250 |
| Efficiency ratio | 85.8643% | 1,426 |
| Assets per employee ($millions) | 3.7362% | 4,394 |
| Cash dividends to net income (ytd only)* | 77.3438% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 4,257 |
| Loan loss allowance to noncurrent loans | 240.1361% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 3,047 |
| Noncurrent loans to loans | 0.5321% | 4,660 |
| Net loans and leases to total assets | 40.5570% | 5,921 |
| Net loans and leases to deposits | 47.9038% | 5,904 |
| Net loans and leases to core deposits | 51.5449% | 5,832 |
| Total domestic deposits to total assets | 84.6634% | 3,902 |
| Equity capital to assets | 9.4036% | 4,541 |
| Core capital (leverage) ratio | 9.6121% | 4,103 |
| Tier 1 risk-based capital ratio | 16.6864% | 2,767 |
| Total risk-based capital ratio | 17.5964% | 2,889 |
| Memoranda: | ||
| Average total assets | $68,921,000 | 5,510 |
| Average earning assets | $60,296,800 | 5,582 |
| Average equity | $6,513,800 | 5,690 |
| Average total loans | $27,093,400 | 5,889 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5434% | 5,591 |
| Cost of funding earning assets | 0.6341% | 2,509 |
| Net interest margin | 2.9094% | 5,792 |
| Noninterest income to average assets | 0.6634% | 2,807 |
| Noninterest expense to average assets | 2.7324% | 3,895 |
| Loan and lease loss provision to assets | 0.1731% | 2,100 |
| Net operating income to assets | 0.3077% | 5,593 |
| Return on assets (ROA) | 0.3846% | 5,444 |
| Pretax return on assets | 0.3846% | 5,669 |
| Return on Equity (ROE) | 4.0642% | 5,194 |
| Retained earnings to average equity (ytd only) | 0.0812% | 5,912 |
| Net charge-offs to loans | 0.5292% | 1,213 |
| Credit loss provision to net charge-offs | 84.1121% | 2,747 |
| Earnings coverage of net charge-offs (x) | 2.3365% | 4,060 |
| Efficiency ratio | 85.0389% | 1,466 |
| Assets per employee ($millions) | 3.4790% | 4,886 |
| Cash dividends to net income (ytd only)* | 98.0012% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,366 |
| Loan loss allowance to noncurrent loans | 101.1173% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2877% | 3,069 |
| Noncurrent loans to loans | 1.2897% | 3,251 |
| Net loans and leases to total assets | 39.3739% | 6,080 |
| Net loans and leases to deposits | 45.6699% | 6,125 |
| Net loans and leases to core deposits | 48.5908% | 6,091 |
| Total domestic deposits to total assets | 86.2142% | 3,129 |
| Equity capital to assets | 8.9222% | 5,277 |
| Core capital (leverage) ratio | 9.5148% | 4,376 |
| Tier 1 risk-based capital ratio | 16.4304% | 2,976 |
| Total risk-based capital ratio | 17.3567% | 3,097 |
| Memoranda: | ||
| Average total assets | $69,338,500 | 5,552 |
| Average earning assets | $60,768,000 | 5,633 |
| Average equity | $6,561,250 | 5,747 |
| Average total loans | $26,959,750 | 5,948 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 5,517 |
| Cost of funding earning assets | 0.6524% | 2,470 |
| Net interest margin | 2.9211% | 5,747 |
| Noninterest income to average assets | 0.6786% | 2,747 |
| Noninterest expense to average assets | 2.7260% | 3,940 |
| Loan and lease loss provision to assets | 0.1877% | 2,014 |
| Net operating income to assets | 0.3119% | 5,560 |
| Return on assets (ROA) | 0.4274% | 5,276 |
| Pretax return on assets | 0.4274% | 5,584 |
| Return on Equity (ROE) | 4.4318% | 5,039 |
| Retained earnings to average equity (ytd only) | -0.0299% | 5,860 |
| Net charge-offs to loans | 0.8167% | 772 |
| Credit loss provision to net charge-offs | 59.6330% | 3,026 |
| Earnings coverage of net charge-offs (x) | 1.5872% | 3,997 |
| Efficiency ratio | 84.5121% | 1,576 |
| Assets per employee ($millions) | 3.3883% | 5,093 |
| Cash dividends to net income (ytd only)* | 100.6757% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 4,958 |
| Loan loss allowance to noncurrent loans | 159.5238% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 3,518 |
| Noncurrent loans to loans | 0.7560% | 4,412 |
| Net loans and leases to total assets | 40.4958% | 6,012 |
| Net loans and leases to deposits | 47.2730% | 6,030 |
| Net loans and leases to core deposits | 50.9828% | 5,962 |
| Total domestic deposits to total assets | 85.6637% | 3,550 |
| Equity capital to assets | 9.3396% | 4,799 |
| Core capital (leverage) ratio | 9.4544% | 4,311 |
| Tier 1 risk-based capital ratio | 16.7279% | 2,828 |
| Total risk-based capital ratio | 17.6011% | 2,969 |
| Memoranda: | ||
| Average total assets | $69,258,330 | 5,594 |
| Average earning assets | $60,388,000 | 5,682 |
| Average equity | $6,679,000 | 5,767 |
| Average total loans | $26,693,670 | 5,991 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 5,480 |
| Cost of funding earning assets | 0.6544% | 2,617 |
| Net interest margin | 2.9348% | 5,747 |
| Noninterest income to average assets | 0.6971% | 2,602 |
| Noninterest expense to average assets | 2.7655% | 3,813 |
| Loan and lease loss provision to assets | 0.1314% | 2,597 |
| Net operating income to assets | 0.3371% | 5,408 |
| Return on assets (ROA) | 0.5314% | 4,676 |
| Pretax return on assets | 0.5314% | 5,174 |
| Return on Equity (ROE) | 5.4275% | 4,341 |
| Retained earnings to average equity (ytd only) | 2.6846% | 4,678 |
| Net charge-offs to loans | 1.4072% | 387 |
| Credit loss provision to net charge-offs | 25.0000% | 2,964 |
| Earnings coverage of net charge-offs (x) | 0.8913% | 3,540 |
| Efficiency ratio | 85.5124% | 1,581 |
| Assets per employee ($millions) | 3.6086% | 4,765 |
| Cash dividends to net income (ytd only)* | 50.5376% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,150 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 4,001 |
| Noncurrent loans to loans | 0.4828% | 5,217 |
| Net loans and leases to total assets | 37.0068% | 6,222 |
| Net loans and leases to deposits | 43.8524% | 6,214 |
| Net loans and leases to core deposits | 46.2631% | 6,199 |
| Total domestic deposits to total assets | 84.3895% | 4,319 |
| Equity capital to assets | 9.9894% | 4,164 |
| Core capital (leverage) ratio | 9.1604% | 4,626 |
| Tier 1 risk-based capital ratio | 17.7635% | 2,462 |
| Total risk-based capital ratio | 18.6156% | 2,583 |
| Memoranda: | ||
| Average total assets | $70,005,000 | 5,625 |
| Average earning assets | $60,516,000 | 5,730 |
| Average equity | $6,854,000 | 5,777 |
| Average total loans | $26,152,000 | 6,065 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 4,987 |
| Cost of funding earning assets | 0.7392% | 3,167 |
| Net interest margin | 3.3499% | 5,075 |
| Noninterest income to average assets | 0.8511% | 2,040 |
| Noninterest expense to average assets | 3.0614% | 3,041 |
| Loan and lease loss provision to assets | 0.1139% | 4,216 |
| Net operating income to assets | 0.5889% | 4,292 |
| Return on assets (ROA) | 0.6159% | 4,427 |
| Pretax return on assets | 0.6159% | 4,948 |
| Return on Equity (ROE) | 6.0873% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.5623% | 4,424 |
| Net charge-offs to loans | 0.0938% | 4,732 |
| Credit loss provision to net charge-offs | 304.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 18.7600% | 1,424 |
| Efficiency ratio | 81.3296% | 1,968 |
| Assets per employee ($millions) | 3.7604% | 4,444 |
| Cash dividends to net income (ytd only)* | 57.9075% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,047 |
| Loan loss allowance to noncurrent loans | 113.8138% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 3,838 |
| Noncurrent loans to loans | 1.2509% | 3,748 |
| Net loans and leases to total assets | 36.7293% | 6,388 |
| Net loans and leases to deposits | 43.1882% | 6,415 |
| Net loans and leases to core deposits | 45.5140% | 6,399 |
| Total domestic deposits to total assets | 85.0449% | 3,844 |
| Equity capital to assets | 9.6001% | 4,752 |
| Core capital (leverage) ratio | 9.3160% | 4,387 |
| Tier 1 risk-based capital ratio | 16.3175% | 2,988 |
| Total risk-based capital ratio | 17.2966% | 3,090 |
| Memoranda: | ||
| Average total assets | $66,735,000 | 5,720 |
| Average earning assets | $58,032,400 | 5,814 |
| Average equity | $6,751,800 | 5,827 |
| Average total loans | $26,649,200 | 6,104 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 4,939 |
| Cost of funding earning assets | 0.7517% | 3,339 |
| Net interest margin | 3.4129% | 4,989 |
| Noninterest income to average assets | 0.8786% | 1,913 |
| Noninterest expense to average assets | 3.1158% | 2,842 |
| Loan and lease loss provision to assets | 0.1058% | 4,247 |
| Net operating income to assets | 0.6488% | 4,148 |
| Return on assets (ROA) | 0.6854% | 4,237 |
| Pretax return on assets | 0.6854% | 4,908 |
| Return on Equity (ROE) | 6.6813% | 3,971 |
| Retained earnings to average equity (ytd only) | 1.9628% | 5,343 |
| Net charge-offs to loans | 0.1301% | 4,075 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 14.2674% | 1,846 |
| Efficiency ratio | 80.5045% | 2,016 |
| Assets per employee ($millions) | 3.6948% | 4,551 |
| Cash dividends to net income (ytd only)* | 70.6245% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 4,654 |
| Loan loss allowance to noncurrent loans | 106.3063% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 3,944 |
| Noncurrent loans to loans | 1.2551% | 3,960 |
| Net loans and leases to total assets | 39.3598% | 6,331 |
| Net loans and leases to deposits | 46.8987% | 6,325 |
| Net loans and leases to core deposits | 49.6774% | 6,298 |
| Total domestic deposits to total assets | 83.9250% | 4,253 |
| Equity capital to assets | 10.3628% | 3,995 |
| Core capital (leverage) ratio | 9.3167% | 4,552 |
| Tier 1 risk-based capital ratio | 17.0579% | 2,710 |
| Total risk-based capital ratio | 18.0253% | 2,812 |
| Memoranda: | ||
| Average total assets | $65,557,000 | 5,827 |
| Average earning assets | $57,467,250 | 5,890 |
| Average equity | $6,725,000 | 5,901 |
| Average total loans | $26,656,250 | 6,184 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 4,947 |
| Cost of funding earning assets | 0.7604% | 3,514 |
| Net interest margin | 3.4412% | 4,918 |
| Noninterest income to average assets | 0.8308% | 2,052 |
| Noninterest expense to average assets | 3.1208% | 2,856 |
| Loan and lease loss provision to assets | 0.0858% | 4,514 |
| Net operating income to assets | 0.6346% | 4,199 |
| Return on assets (ROA) | 0.6346% | 4,446 |
| Pretax return on assets | 0.6346% | 5,011 |
| Return on Equity (ROE) | 6.2075% | 4,207 |
| Retained earnings to average equity (ytd only) | 1.6493% | 5,378 |
| Net charge-offs to loans | 0.2322% | 3,179 |
| Credit loss provision to net charge-offs | 90.3226% | 3,040 |
| Earnings coverage of net charge-offs (x) | 7.5806% | 2,451 |
| Efficiency ratio | 81.2450% | 1,997 |
| Assets per employee ($millions) | 3.2836% | 5,489 |
| Cash dividends to net income (ytd only)* | 73.4300% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 5,209 |
| Loan loss allowance to noncurrent loans | 146.3964% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.1405% | 4,112 |
| Noncurrent loans to loans | 0.8397% | 4,833 |
| Net loans and leases to total assets | 39.7618% | 6,359 |
| Net loans and leases to deposits | 47.3593% | 6,348 |
| Net loans and leases to core deposits | 50.4960% | 6,316 |
| Total domestic deposits to total assets | 83.9579% | 4,333 |
| Equity capital to assets | 10.2587% | 3,985 |
| Core capital (leverage) ratio | 9.5166% | 4,117 |
| Tier 1 risk-based capital ratio | 16.9822% | 2,671 |
| Total risk-based capital ratio | 17.8725% | 2,803 |
| Memoranda: | ||
| Average total assets | $65,240,330 | 5,878 |
| Average earning assets | $57,072,330 | 5,940 |
| Average equity | $6,669,330 | 5,940 |
| Average total loans | $26,698,000 | 6,222 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 4,945 |
| Cost of funding earning assets | 0.7712% | 3,690 |
| Net interest margin | 3.4740% | 4,815 |
| Noninterest income to average assets | 0.9842% | 1,468 |
| Noninterest expense to average assets | 3.2787% | 2,359 |
| Loan and lease loss provision to assets | 0.1599% | 3,382 |
| Net operating income to assets | 0.5659% | 4,513 |
| Return on assets (ROA) | 0.5659% | 4,738 |
| Pretax return on assets | 0.5659% | 5,223 |
| Return on Equity (ROE) | 5.5459% | 4,525 |
| Retained earnings to average equity (ytd only) | 0.6631% | 5,795 |
| Net charge-offs to loans | -0.0447% | 6,492 |
| Credit loss provision to net charge-offs | -866.6667% | 5,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8740% | 1,946 |
| Assets per employee ($millions) | 3.1305% | 5,898 |
| Cash dividends to net income (ytd only)* | 88.0435% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 4,781 |
| Loan loss allowance to noncurrent loans | 100.2801% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 4,095 |
| Noncurrent loans to loans | 1.3517% | 4,089 |
| Net loans and leases to total assets | 39.6298% | 6,374 |
| Net loans and leases to deposits | 48.0346% | 6,285 |
| Net loans and leases to core deposits | 50.8510% | 6,283 |
| Total domestic deposits to total assets | 82.5025% | 5,125 |
| Equity capital to assets | 10.1002% | 4,005 |
| Core capital (leverage) ratio | 9.3782% | 4,225 |
| Tier 1 risk-based capital ratio | 17.0023% | 2,681 |
| Total risk-based capital ratio | 17.9912% | 2,747 |
| Memoranda: | ||
| Average total assets | $65,025,000 | 5,918 |
| Average earning assets | $56,533,500 | 5,993 |
| Average equity | $6,635,500 | 5,988 |
| Average total loans | $26,828,500 | 6,261 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 4,329 |
| Cost of funding earning assets | 0.8874% | 4,207 |
| Net interest margin | 3.7929% | 3,857 |
| Noninterest income to average assets | 0.7067% | 2,560 |
| Noninterest expense to average assets | 3.3829% | 2,286 |
| Loan and lease loss provision to assets | 0.0722% | 5,713 |
| Net operating income to assets | 0.5073% | 4,394 |
| Return on assets (ROA) | 0.5670% | 4,342 |
| Pretax return on assets | 0.5670% | 4,793 |
| Return on Equity (ROE) | 5.3644% | 4,214 |
| Retained earnings to average equity (ytd only) | -2.6302% | 6,232 |
| Net charge-offs to loans | 0.6453% | 2,536 |
| Credit loss provision to net charge-offs | 23.8342% | 5,867 |
| Earnings coverage of net charge-offs (x) | 1.9119% | 4,341 |
| Efficiency ratio | 85.3746% | 1,636 |
| Assets per employee ($millions) | 3.3847% | 5,287 |
| Cash dividends to net income (ytd only)* | 149.0305% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 5,353 |
| Loan loss allowance to noncurrent loans | 91.6435% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.8598% | 3,173 |
| Noncurrent loans to loans | 1.3176% | 4,172 |
| Net loans and leases to total assets | 41.8557% | 6,397 |
| Net loans and leases to deposits | 49.9304% | 6,366 |
| Net loans and leases to core deposits | 53.6623% | 6,324 |
| Total domestic deposits to total assets | 83.8281% | 4,394 |
| Equity capital to assets | 10.3112% | 3,767 |
| Core capital (leverage) ratio | 10.0096% | 3,332 |
| Tier 1 risk-based capital ratio | 16.5669% | 2,793 |
| Total risk-based capital ratio | 17.4542% | 2,918 |
| Memoranda: | ||
| Average total assets | $63,674,000 | 5,934 |
| Average earning assets | $54,655,000 | 6,023 |
| Average equity | $6,729,600 | 5,945 |
| Average total loans | $29,910,600 | 6,161 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 4,272 |
| Cost of funding earning assets | 0.9149% | 4,302 |
| Net interest margin | 3.8261% | 3,742 |
| Noninterest income to average assets | 0.7074% | 2,560 |
| Noninterest expense to average assets | 3.5224% | 1,882 |
| Loan and lease loss provision to assets | 0.0546% | 5,764 |
| Net operating income to assets | 0.4135% | 4,936 |
| Return on assets (ROA) | 0.4933% | 4,763 |
| Pretax return on assets | 0.4933% | 5,186 |
| Return on Equity (ROE) | 4.6390% | 4,701 |
| Retained earnings to average equity (ytd only) | -4.0073% | 6,516 |
| Net charge-offs to loans | 0.0218% | 5,844 |
| Credit loss provision to net charge-offs | 520.0000% | 528 |
| Earnings coverage of net charge-offs (x) | 44.5772% | 709 |
| Efficiency ratio | 88.2693% | 1,325 |
| Assets per employee ($millions) | 3.6200% | 4,707 |
| Cash dividends to net income (ytd only)* | 186.3818% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 3,080 |
| Loan loss allowance to noncurrent loans | 62.8644% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 3.6724% | 1,705 |
| Noncurrent loans to loans | 2.7949% | 2,492 |
| Net loans and leases to total assets | 45.0666% | 6,239 |
| Net loans and leases to deposits | 54.2389% | 6,192 |
| Net loans and leases to core deposits | 58.5513% | 6,083 |
| Total domestic deposits to total assets | 83.0890% | 4,643 |
| Equity capital to assets | 10.8060% | 3,348 |
| Core capital (leverage) ratio | 9.9622% | 3,488 |
| Tier 1 risk-based capital ratio | 16.0081% | 3,116 |
| Total risk-based capital ratio | 17.2590% | 3,076 |
| Memoranda: | ||
| Average total assets | $63,515,250 | 5,980 |
| Average earning assets | $54,501,000 | 6,082 |
| Average equity | $6,754,250 | 5,980 |
| Average total loans | $30,576,750 | 6,197 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 4,139 |
| Cost of funding earning assets | 0.9404% | 4,391 |
| Net interest margin | 3.8488% | 3,539 |
| Noninterest income to average assets | 0.7573% | 2,225 |
| Noninterest expense to average assets | 3.4095% | 2,229 |
| Loan and lease loss provision to assets | 0.0810% | 5,297 |
| Net operating income to assets | 0.5703% | 4,207 |
| Return on assets (ROA) | 0.6202% | 4,085 |
| Pretax return on assets | 0.6202% | 4,675 |
| Return on Equity (ROE) | 5.8624% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.7692% | 4,520 |
| Net charge-offs to loans | 0.0510% | 5,142 |
| Credit loss provision to net charge-offs | 325.0000% | 934 |
| Earnings coverage of net charge-offs (x) | 26.1250% | 1,026 |
| Efficiency ratio | 83.9601% | 1,818 |
| Assets per employee ($millions) | 3.6440% | 4,580 |
| Cash dividends to net income (ytd only)* | 52.7638% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 3,255 |
| Loan loss allowance to noncurrent loans | 99.7976% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 3.4400% | 1,916 |
| Noncurrent loans to loans | 1.7246% | 3,849 |
| Net loans and leases to total assets | 45.4430% | 6,316 |
| Net loans and leases to deposits | 55.8496% | 6,149 |
| Net loans and leases to core deposits | 60.3477% | 6,058 |
| Total domestic deposits to total assets | 81.3666% | 5,396 |
| Equity capital to assets | 11.2078% | 2,763 |
| Core capital (leverage) ratio | 10.4117% | 2,811 |
| Tier 1 risk-based capital ratio | 16.4639% | 2,763 |
| Total risk-based capital ratio | 17.7293% | 2,712 |
| Memoranda: | ||
| Average total assets | $64,173,670 | 6,008 |
| Average earning assets | $55,081,670 | 6,117 |
| Average equity | $6,789,000 | 5,990 |
| Average total loans | $31,359,000 | 6,228 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 4,260 |
| Cost of funding earning assets | 0.9829% | 4,326 |
| Net interest margin | 3.7750% | 3,735 |
| Noninterest income to average assets | 0.8700% | 1,772 |
| Noninterest expense to average assets | 3.2779% | 2,630 |
| Loan and lease loss provision to assets | 0.1777% | 3,844 |
| Net operating income to assets | 0.6617% | 3,697 |
| Return on assets (ROA) | 0.6617% | 3,772 |
| Pretax return on assets | 0.6617% | 4,450 |
| Return on Equity (ROE) | 6.4362% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.4362% | 2,402 |
| Net charge-offs to loans | -0.0611% | 6,949 |
| Credit loss provision to net charge-offs | -580.0000% | 5,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6131% | 2,602 |
| Assets per employee ($millions) | 3.2856% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 3,594 |
| Loan loss allowance to noncurrent loans | 37.7317% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 3.5690% | 1,906 |
| Noncurrent loans to loans | 4.3241% | 1,636 |
| Net loans and leases to total assets | 49.1590% | 5,943 |
| Net loans and leases to deposits | 59.2067% | 5,801 |
| Net loans and leases to core deposits | 62.7156% | 5,851 |
| Total domestic deposits to total assets | 83.0295% | 4,915 |
| Equity capital to assets | 11.0082% | 2,678 |
| Core capital (leverage) ratio | 9.8244% | 3,360 |
| Tier 1 risk-based capital ratio | 16.0307% | 2,888 |
| Total risk-based capital ratio | 17.3001% | 2,860 |
| Memoranda: | ||
| Average total assets | $65,286,500 | 6,019 |
| Average earning assets | $56,158,500 | 6,125 |
| Average equity | $6,712,000 | 6,020 |
| Average total loans | $32,716,500 | 6,202 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 3,281 |
| Cost of funding earning assets | 1.5632% | 2,283 |
| Net interest margin | 3.7055% | 4,319 |
| Noninterest income to average assets | 0.8798% | 1,922 |
| Noninterest expense to average assets | 3.5382% | 2,076 |
| Loan and lease loss provision to assets | 0.5577% | 2,899 |
| Net operating income to assets | -0.0173% | 5,876 |
| Return on assets (ROA) | 0.4724% | 4,382 |
| Pretax return on assets | 0.4724% | 4,715 |
| Return on Equity (ROE) | 5.4801% | 3,849 |
| Retained earnings to average equity (ytd only) | 2.8490% | 3,851 |
| Net charge-offs to loans | 0.5227% | 3,534 |
| Credit loss provision to net charge-offs | 194.9495% | 1,629 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,308 |
| Efficiency ratio | 86.7517% | 1,593 |
| Assets per employee ($millions) | 4.0086% | 3,768 |
| Cash dividends to net income (ytd only)* | 48.0122% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,574 |
| Loan loss allowance to noncurrent loans | 37.1094% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 3.2929% | 2,144 |
| Noncurrent loans to loans | 3.7388% | 1,981 |
| Net loans and leases to total assets | 49.5414% | 6,206 |
| Net loans and leases to deposits | 57.4020% | 6,317 |
| Net loans and leases to core deposits | 62.6038% | 6,185 |
| Total domestic deposits to total assets | 86.3061% | 3,195 |
| Equity capital to assets | 9.6145% | 4,256 |
| Core capital (leverage) ratio | 9.0986% | 4,360 |
| Tier 1 risk-based capital ratio | 13.4077% | 4,286 |
| Total risk-based capital ratio | 14.4441% | 4,409 |
| Memoranda: | ||
| Average total assets | $69,216,800 | 5,909 |
| Average earning assets | $59,749,400 | 6,006 |
| Average equity | $5,967,000 | 6,375 |
| Average total loans | $37,879,800 | 6,016 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3657% | 3,049 |
| Cost of funding earning assets | 1.6157% | 2,302 |
| Net interest margin | 3.7500% | 4,185 |
| Noninterest income to average assets | 0.8098% | 2,188 |
| Noninterest expense to average assets | 3.4424% | 2,179 |
| Loan and lease loss provision to assets | 0.5718% | 2,649 |
| Net operating income to assets | 0.0422% | 5,899 |
| Return on assets (ROA) | 0.6275% | 3,931 |
| Pretax return on assets | 0.6275% | 4,498 |
| Return on Equity (ROE) | 7.4903% | 3,111 |
| Retained earnings to average equity (ytd only) | 3.8940% | 3,726 |
| Net charge-offs to loans | 0.6909% | 2,696 |
| Credit loss provision to net charge-offs | 148.2587% | 2,638 |
| Earnings coverage of net charge-offs (x) | 1.5921% | 4,524 |
| Efficiency ratio | 84.8628% | 1,744 |
| Assets per employee ($millions) | 3.9306% | 3,976 |
| Cash dividends to net income (ytd only)* | 48.0126% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 6,190 |
| Loan loss allowance to noncurrent loans | 237.0370% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 1.7600% | 3,802 |
| Noncurrent loans to loans | 0.4411% | 6,312 |
| Net loans and leases to total assets | 54.3939% | 5,788 |
| Net loans and leases to deposits | 62.5082% | 6,062 |
| Net loans and leases to core deposits | 69.3851% | 5,811 |
| Total domestic deposits to total assets | 87.0189% | 2,515 |
| Equity capital to assets | 8.8357% | 5,799 |
| Core capital (leverage) ratio | 8.0414% | 6,288 |
| Tier 1 risk-based capital ratio | 11.9797% | 5,481 |
| Total risk-based capital ratio | 12.8214% | 5,848 |
| Memoranda: | ||
| Average total assets | $69,484,250 | 5,955 |
| Average earning assets | $60,158,500 | 6,058 |
| Average equity | $5,820,750 | 6,506 |
| Average total loans | $38,790,750 | 6,052 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3438% | 3,243 |
| Cost of funding earning assets | 1.6695% | 2,290 |
| Net interest margin | 3.6743% | 4,480 |
| Noninterest income to average assets | 0.7105% | 2,645 |
| Noninterest expense to average assets | 3.4758% | 2,081 |
| Loan and lease loss provision to assets | 0.6110% | 2,353 |
| Net operating income to assets | -0.1989% | 6,359 |
| Return on assets (ROA) | 0.3496% | 5,141 |
| Pretax return on assets | 0.3496% | 5,371 |
| Return on Equity (ROE) | 4.2465% | 4,665 |
| Retained earnings to average equity (ytd only) | -1.0012% | 5,968 |
| Net charge-offs to loans | 0.4458% | 3,199 |
| Credit loss provision to net charge-offs | 244.3182% | 1,577 |
| Earnings coverage of net charge-offs (x) | 1.6477% | 4,269 |
| Efficiency ratio | 89.4006% | 1,380 |
| Assets per employee ($millions) | 3.4194% | 5,124 |
| Cash dividends to net income (ytd only)* | 123.5772% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 5,947 |
| Loan loss allowance to noncurrent loans | 66.9903% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.4010% | 2,997 |
| Noncurrent loans to loans | 1.6397% | 4,248 |
| Net loans and leases to total assets | 54.5066% | 5,915 |
| Net loans and leases to deposits | 62.3887% | 6,197 |
| Net loans and leases to core deposits | 70.3786% | 5,838 |
| Total domestic deposits to total assets | 87.3662% | 2,343 |
| Equity capital to assets | 8.5527% | 6,096 |
| Core capital (leverage) ratio | 7.8061% | 6,488 |
| Tier 1 risk-based capital ratio | 11.0688% | 6,161 |
| Total risk-based capital ratio | 11.9389% | 6,527 |
| Memoranda: | ||
| Average total assets | $70,372,330 | 5,967 |
| Average earning assets | $60,855,670 | 6,069 |
| Average equity | $5,793,000 | 6,533 |
| Average total loans | $39,477,670 | 6,068 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 2,759 |
| Cost of funding earning assets | 1.6959% | 2,414 |
| Net interest margin | 3.7687% | 3,922 |
| Noninterest income to average assets | 0.6390% | 3,006 |
| Noninterest expense to average assets | 3.3350% | 2,410 |
| Loan and lease loss provision to assets | 1.2051% | 1,010 |
| Net operating income to assets | -0.6502% | 6,928 |
| Return on assets (ROA) | 0.0112% | 6,365 |
| Pretax return on assets | 0.0112% | 6,328 |
| Return on Equity (ROE) | 0.1388% | 6,366 |
| Retained earnings to average equity (ytd only) | -1.8040% | 6,183 |
| Net charge-offs to loans | 0.0495% | 4,909 |
| Credit loss provision to net charge-offs | 4,300.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,182 |
| Efficiency ratio | 85.7349% | 1,817 |
| Assets per employee ($millions) | 3.2591% | 5,633 |
| Cash dividends to net income (ytd only)* | 1,400.0000% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 5,270 |
| Loan loss allowance to noncurrent loans | 42.6976% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 2.0265% | 3,471 |
| Noncurrent loans to loans | 2.9086% | 2,774 |
| Net loans and leases to total assets | 57.7452% | 5,486 |
| Net loans and leases to deposits | 65.9304% | 5,829 |
| Net loans and leases to core deposits | 76.1195% | 5,244 |
| Total domestic deposits to total assets | 87.5851% | 2,310 |
| Equity capital to assets | 8.3443% | 6,238 |
| Core capital (leverage) ratio | 7.2266% | 7,086 |
| Tier 1 risk-based capital ratio | 9.9320% | 7,080 |
| Total risk-based capital ratio | 10.9058% | 7,219 |
| Memoranda: | ||
| Average total assets | $71,364,500 | 6,009 |
| Average earning assets | $61,560,500 | 6,105 |
| Average equity | $5,765,000 | 6,593 |
| Average total loans | $40,371,500 | 6,107 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6577% | 3,311 |
| Cost of funding earning assets | 2.0403% | 2,771 |
| Net interest margin | 3.6174% | 4,487 |
| Noninterest income to average assets | 0.7756% | 2,536 |
| Noninterest expense to average assets | 3.4245% | 2,601 |
| Loan and lease loss provision to assets | 0.6904% | 3,066 |
| Net operating income to assets | -0.1690% | 5,797 |
| Return on assets (ROA) | 0.0202% | 5,472 |
| Pretax return on assets | 0.0202% | 5,387 |
| Return on Equity (ROE) | 0.2632% | 5,452 |
| Retained earnings to average equity (ytd only) | -4.4183% | 5,930 |
| Net charge-offs to loans | 1.0497% | 2,312 |
| Credit loss provision to net charge-offs | 120.4030% | 4,446 |
| Earnings coverage of net charge-offs (x) | 0.9093% | 5,202 |
| Efficiency ratio | 86.7862% | 2,024 |
| Assets per employee ($millions) | 3.5375% | 4,930 |
| Cash dividends to net income (ytd only)* | 1,778.5714% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7047% | 7,372 |
| Loan loss allowance to noncurrent loans | 22.9050% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9357% | 3,476 |
| Noncurrent loans to loans | 3.0768% | 2,491 |
| Net loans and leases to total assets | 54.4335% | 6,150 |
| Net loans and leases to deposits | 62.2223% | 6,440 |
| Net loans and leases to core deposits | 84.6405% | 5,662 |
| Total domestic deposits to total assets | 87.4823% | 2,228 |
| Equity capital to assets | 7.8331% | 6,734 |
| Core capital (leverage) ratio | 7.0016% | 7,238 |
| Tier 1 risk-based capital ratio | 9.8151% | 7,009 |
| Total risk-based capital ratio | 10.3679% | 7,436 |
| Memoranda: | ||
| Average total assets | $69,236,200 | 6,028 |
| Average earning assets | $60,678,800 | 6,104 |
| Average equity | $5,318,800 | 6,832 |
| Average total loans | $37,819,200 | 6,207 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 3,500 |
| Cost of funding earning assets | 2.0807% | 2,980 |
| Net interest margin | 3.5841% | 4,541 |
| Noninterest income to average assets | 0.7709% | 2,594 |
| Noninterest expense to average assets | 3.3757% | 2,649 |
| Loan and lease loss provision to assets | 0.1196% | 6,169 |
| Net operating income to assets | 0.4413% | 4,228 |
| Return on assets (ROA) | 0.6120% | 3,613 |
| Pretax return on assets | 0.6120% | 4,153 |
| Return on Equity (ROE) | 8.0094% | 2,629 |
| Retained earnings to average equity (ytd only) | 1.6173% | 4,409 |
| Net charge-offs to loans | 0.2013% | 4,795 |
| Credit loss provision to net charge-offs | 108.9286% | 4,665 |
| Earnings coverage of net charge-offs (x) | 5.1074% | 2,922 |
| Efficiency ratio | 85.7499% | 2,090 |
| Assets per employee ($millions) | 3.1422% | 5,801 |
| Cash dividends to net income (ytd only)* | 79.8072% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5245% | 7,681 |
| Loan loss allowance to noncurrent loans | 16.9751% | 7,241 |
| Noncurrent assets plus other real estate owned to assets | 1.7683% | 3,709 |
| Noncurrent loans to loans | 3.0896% | 2,444 |
| Net loans and leases to total assets | 55.3763% | 6,219 |
| Net loans and leases to deposits | 62.7465% | 6,606 |
| Net loans and leases to core deposits | 89.8037% | 5,454 |
| Total domestic deposits to total assets | 88.2539% | 1,535 |
| Equity capital to assets | 7.9285% | 6,916 |
| Core capital (leverage) ratio | 7.3609% | 7,123 |
| Tier 1 risk-based capital ratio | 9.9541% | 7,019 |
| Total risk-based capital ratio | 10.3748% | 7,579 |
| Memoranda: | ||
| Average total assets | $67,973,500 | 6,104 |
| Average earning assets | $60,041,750 | 6,169 |
| Average equity | $5,193,750 | 6,937 |
| Average total loans | $37,093,000 | 6,285 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 3,914 |
| Cost of funding earning assets | 2.1167% | 3,194 |
| Net interest margin | 3.5131% | 4,744 |
| Noninterest income to average assets | 0.8356% | 2,243 |
| Noninterest expense to average assets | 3.4084% | 2,600 |
| Loan and lease loss provision to assets | 0.0301% | 6,943 |
| Net operating income to assets | 0.4899% | 4,121 |
| Return on assets (ROA) | 0.7184% | 3,281 |
| Pretax return on assets | 0.7184% | 3,942 |
| Return on Equity (ROE) | 9.5314% | 2,180 |
| Retained earnings to average equity (ytd only) | 0.8375% | 4,850 |
| Net charge-offs to loans | 0.0666% | 5,571 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 14.4167% | 1,655 |
| Efficiency ratio | 86.7636% | 2,148 |
| Assets per employee ($millions) | 2.9905% | 6,161 |
| Cash dividends to net income (ytd only)* | 91.2134% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5568% | 7,715 |
| Loan loss allowance to noncurrent loans | 13.9918% | 7,399 |
| Noncurrent assets plus other real estate owned to assets | 2.1198% | 3,032 |
| Noncurrent loans to loans | 3.9796% | 1,710 |
| Net loans and leases to total assets | 52.9696% | 6,571 |
| Net loans and leases to deposits | 59.6607% | 6,915 |
| Net loans and leases to core deposits | 83.9470% | 6,092 |
| Total domestic deposits to total assets | 88.7847% | 1,384 |
| Equity capital to assets | 7.2098% | 7,475 |
| Core capital (leverage) ratio | 6.8536% | 7,633 |
| Tier 1 risk-based capital ratio | 9.5882% | 7,321 |
| Total risk-based capital ratio | 10.0179% | 7,839 |
| Memoranda: | ||
| Average total assets | $66,541,000 | 6,206 |
| Average earning assets | $58,580,670 | 6,286 |
| Average equity | $5,015,000 | 7,056 |
| Average total loans | $36,046,670 | 6,400 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8073% | 3,260 |
| Cost of funding earning assets | 2.0890% | 3,698 |
| Net interest margin | 3.7183% | 3,813 |
| Noninterest income to average assets | 0.9110% | 1,808 |
| Noninterest expense to average assets | 3.4362% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7398% | 3,394 |
| Return on assets (ROA) | 0.8743% | 2,971 |
| Pretax return on assets | 0.8743% | 3,813 |
| Return on Equity (ROE) | 11.3425% | 1,865 |
| Retained earnings to average equity (ytd only) | 2.2209% | 4,635 |
| Net charge-offs to loans | -0.0112% | 7,298 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2840% | 2,498 |
| Assets per employee ($millions) | 2.9870% | 6,194 |
| Cash dividends to net income (ytd only)* | 80.4196% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 7,674 |
| Loan loss allowance to noncurrent loans | 21.9048% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4380% | 3,777 |
| Noncurrent loans to loans | 2.6925% | 2,441 |
| Net loans and leases to total assets | 53.0952% | 6,570 |
| Net loans and leases to deposits | 60.2400% | 6,878 |
| Net loans and leases to core deposits | 85.0917% | 5,973 |
| Total domestic deposits to total assets | 88.1395% | 1,685 |
| Equity capital to assets | 7.7061% | 7,170 |
| Core capital (leverage) ratio | 6.9680% | 7,653 |
| Tier 1 risk-based capital ratio | 10.3409% | 6,557 |
| Total risk-based capital ratio | 10.8104% | 7,318 |
| Memoranda: | ||
| Average total assets | $65,421,000 | 6,275 |
| Average earning assets | $57,445,000 | 6,356 |
| Average equity | $5,043,000 | 7,096 |
| Average total loans | $35,751,500 | 6,450 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3345% | 3,765 |
| Cost of funding earning assets | 2.9902% | 1,900 |
| Net interest margin | 3.3443% | 5,888 |
| Noninterest income to average assets | 0.8628% | 2,149 |
| Noninterest expense to average assets | 3.1984% | 3,341 |
| Loan and lease loss provision to assets | 0.0620% | 6,626 |
| Net operating income to assets | 0.4989% | 4,737 |
| Return on assets (ROA) | 0.7277% | 3,599 |
| Pretax return on assets | 0.7277% | 4,308 |
| Return on Equity (ROE) | 10.4077% | 2,123 |
| Retained earnings to average equity (ytd only) | 8.5897% | 678 |
| Net charge-offs to loans | 0.1595% | 4,596 |
| Credit loss provision to net charge-offs | 72.2222% | 6,040 |
| Earnings coverage of net charge-offs (x) | 6.5370% | 3,339 |
| Efficiency ratio | 85.0803% | 1,941 |
| Assets per employee ($millions) | 2.8317% | 6,487 |
| Cash dividends to net income (ytd only)* | 17.4672% | 4,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 7,738 |
| Loan loss allowance to noncurrent loans | 21.6387% | 7,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 3,297 |
| Noncurrent loans to loans | 2.6150% | 2,072 |
| Net loans and leases to total assets | 55.5813% | 6,477 |
| Net loans and leases to deposits | 67.5607% | 6,500 |
| Net loans and leases to core deposits | 87.9299% | 5,984 |
| Total domestic deposits to total assets | 82.2688% | 4,094 |
| Equity capital to assets | 7.7110% | 7,188 |
| Core capital (leverage) ratio | 7.2421% | 7,483 |
| Tier 1 risk-based capital ratio | 9.9749% | 6,760 |
| Total risk-based capital ratio | 10.4306% | 7,595 |
| Memoranda: | ||
| Average total assets | $62,937,000 | 6,285 |
| Average earning assets | $54,511,000 | 6,386 |
| Average equity | $4,400,600 | 7,361 |
| Average total loans | $33,847,800 | 6,495 |