Home > Richton Bank & Trust Company > Performance and Condition Ratios
Richton Bank & Trust Company, 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 | 4.1093% | 3,786 |
| Cost of funding earning assets | 0.3826% | 4,307 |
| Net interest margin | 3.7266% | 1,706 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 3.2844% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6436% | 3,328 |
| Return on assets (ROA) | 0.6436% | 3,309 |
| Pretax return on assets | 0.6436% | 3,552 |
| Return on Equity (ROE) | 5.3100% | 3,669 |
| Retained earnings to average equity (ytd only) | 1.0838% | 3,818 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.6158% | 683 |
| Assets per employee ($millions) | 3.7760% | 4,228 |
| Cash dividends to net income (ytd only)* | 79.5977% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7681% | 66 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 1,121 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 41.5500% | 3,981 |
| Net loans and leases to deposits | 48.4546% | 3,982 |
| Net loans and leases to core deposits | 50.1267% | 4,080 |
| Total domestic deposits to total assets | 85.7400% | 2,094 |
| Equity capital to assets | 12.9256% | 873 |
| Core capital (leverage) ratio | 16.2647% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $54,074,000 | 4,269 |
| Average earning assets | $46,261,400 | 4,289 |
| Average equity | $6,551,000 | 4,106 |
| Average total loans | $22,616,400 | 4,259 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 3,798 |
| Cost of funding earning assets | 0.2938% | 4,368 |
| Net interest margin | 3.7369% | 1,710 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 3.2170% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5051% | 3,753 |
| Return on assets (ROA) | 0.5051% | 3,755 |
| Pretax return on assets | 0.5051% | 3,895 |
| Return on Equity (ROE) | 4.2400% | 3,947 |
| Retained earnings to average equity (ytd only) | -1.4608% | 4,286 |
| Net charge-offs to loans | -0.0059% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.4295% | 495 |
| Assets per employee ($millions) | 3.7548% | 4,257 |
| Cash dividends to net income (ytd only)* | 134.4660% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6585% | 70 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 1,187 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 43.1300% | 3,948 |
| Net loans and leases to deposits | 49.5845% | 3,952 |
| Net loans and leases to core deposits | 51.2674% | 4,000 |
| Total domestic deposits to total assets | 86.9900% | 1,897 |
| Equity capital to assets | 11.6860% | 1,129 |
| Core capital (leverage) ratio | 15.6983% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $54,376,500 | 4,287 |
| Average earning assets | $46,740,000 | 4,304 |
| Average equity | $6,480,500 | 4,111 |
| Average total loans | $22,564,750 | 4,277 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 3,886 |
| Cost of funding earning assets | 0.2030% | 4,427 |
| Net interest margin | 3.6887% | 1,841 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 3.1794% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5275% | 3,752 |
| Return on assets (ROA) | 0.5275% | 3,761 |
| Pretax return on assets | 0.5275% | 3,917 |
| Return on Equity (ROE) | 4.4000% | 3,967 |
| Retained earnings to average equity (ytd only) | -4.0042% | 4,389 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.7704% | 504 |
| Assets per employee ($millions) | 4.1402% | 4,125 |
| Cash dividends to net income (ytd only)* | 191.0345% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6686% | 79 |
| Loan loss allowance to noncurrent loans | 86,000.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 1,137 |
| Noncurrent loans to loans | 0.0043% | 3,788 |
| Net loans and leases to total assets | 41.9600% | 3,965 |
| Net loans and leases to deposits | 48.2470% | 3,983 |
| Net loans and leases to core deposits | 49.4017% | 4,036 |
| Total domestic deposits to total assets | 86.9600% | 1,941 |
| Equity capital to assets | 11.7796% | 1,111 |
| Core capital (leverage) ratio | 15.1992% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $54,979,667 | 4,301 |
| Average earning assets | $47,280,000 | 4,321 |
| Average equity | $6,593,000 | 4,121 |
| Average total loans | $22,241,667 | 4,299 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 3,908 |
| Cost of funding earning assets | 0.1337% | 4,489 |
| Net interest margin | 3.6359% | 2,043 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 3.0958% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5976% | 3,693 |
| Return on assets (ROA) | 0.5976% | 3,664 |
| Pretax return on assets | 0.5976% | 3,845 |
| Return on Equity (ROE) | 4.9400% | 3,899 |
| Retained earnings to average equity (ytd only) | 4.9408% | 3,034 |
| Net charge-offs to loans | -0.0185% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.8207% | 601 |
| Assets per employee ($millions) | 3.9759% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8463% | 68 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 1,348 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 38.6700% | 4,094 |
| Net loans and leases to deposits | 44.6955% | 4,082 |
| Net loans and leases to core deposits | 45.7325% | 4,117 |
| Total domestic deposits to total assets | 86.5200% | 2,436 |
| Equity capital to assets | 12.3134% | 912 |
| Core capital (leverage) ratio | 15.3498% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $55,558,500 | 4,360 |
| Average earning assets | $47,856,000 | 4,376 |
| Average equity | $6,719,500 | 4,156 |
| Average total loans | $21,641,500 | 4,366 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2367% | 3,745 |
| Cost of funding earning assets | 0.0847% | 4,460 |
| Net interest margin | 3.1520% | 3,015 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 3.2817% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6421% | 3,775 |
| Return on assets (ROA) | 0.6421% | 3,727 |
| Pretax return on assets | 0.6421% | 3,957 |
| Return on Equity (ROE) | 5.0300% | 4,019 |
| Retained earnings to average equity (ytd only) | -3.3240% | 4,532 |
| Net charge-offs to loans | 0.2129% | 387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,239 |
| Efficiency ratio | 83.6364% | 505 |
| Assets per employee ($millions) | 4.2657% | 4,159 |
| Cash dividends to net income (ytd only)* | 166.1247% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1152% | 59 |
| Loan loss allowance to noncurrent loans | 1,146.6667% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 905 |
| Noncurrent loans to loans | 0.3589% | 1,858 |
| Net loans and leases to total assets | 36.1300% | 4,208 |
| Net loans and leases to deposits | 41.5692% | 4,198 |
| Net loans and leases to core deposits | 42.5309% | 4,217 |
| Total domestic deposits to total assets | 86.9300% | 2,412 |
| Equity capital to assets | 11.8747% | 968 |
| Core capital (leverage) ratio | 15.1230% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $57,470,400 | 4,363 |
| Average earning assets | $49,587,200 | 4,377 |
| Average equity | $7,340,600 | 4,169 |
| Average total loans | $19,255,400 | 4,425 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1084% | 3,656 |
| Cost of funding earning assets | 0.0826% | 4,400 |
| Net interest margin | 3.0259% | 3,152 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.6563% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6416% | 3,717 |
| Return on assets (ROA) | 0.6416% | 3,672 |
| Pretax return on assets | 0.6416% | 3,915 |
| Return on Equity (ROE) | 4.9400% | 3,990 |
| Retained earnings to average equity (ytd only) | -5.9144% | 4,622 |
| Net charge-offs to loans | -0.0142% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.5439% | 741 |
| Assets per employee ($millions) | 4.3712% | 4,140 |
| Cash dividends to net income (ytd only)* | 219.7133% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5661% | 48 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 1,087 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 33.2100% | 4,333 |
| Net loans and leases to deposits | 37.7853% | 4,314 |
| Net loans and leases to core deposits | 38.2145% | 4,337 |
| Total domestic deposits to total assets | 87.9000% | 2,457 |
| Equity capital to assets | 11.0970% | 1,143 |
| Core capital (leverage) ratio | 14.3133% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,974,500 | 4,393 |
| Average earning assets | $50,056,000 | 4,404 |
| Average equity | $7,529,500 | 4,189 |
| Average total loans | $18,844,750 | 4,460 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9189% | 3,742 |
| Cost of funding earning assets | 0.0792% | 4,388 |
| Net interest margin | 2.8397% | 3,313 |
| Noninterest income to average assets | 0.7163% | 1,271 |
| Noninterest expense to average assets | 2.5430% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6306% | 3,540 |
| Return on assets (ROA) | 0.6306% | 3,487 |
| Pretax return on assets | 0.6306% | 3,747 |
| Return on Equity (ROE) | 4.6363% | 3,885 |
| Retained earnings to average equity (ytd only) | -10.8097% | 4,676 |
| Net charge-offs to loans | -0.0108% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1296% | 937 |
| Assets per employee ($millions) | 4.0757% | 4,329 |
| Cash dividends to net income (ytd only)* | 333.1522% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5352% | 48 |
| Loan loss allowance to noncurrent loans | 3,344.4444% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,329 |
| Noncurrent loans to loans | 0.1356% | 3,029 |
| Net loans and leases to total assets | 33.3123% | 4,356 |
| Net loans and leases to deposits | 38.3605% | 4,321 |
| Net loans and leases to core deposits | 39.0388% | 4,349 |
| Total domestic deposits to total assets | 86.8402% | 3,000 |
| Equity capital to assets | 12.1469% | 829 |
| Core capital (leverage) ratio | 14.2198% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,357,333 | 4,432 |
| Average earning assets | $50,498,333 | 4,454 |
| Average equity | $7,937,333 | 4,210 |
| Average total loans | $18,534,333 | 4,527 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7734% | 3,795 |
| Cost of funding earning assets | 0.0779% | 4,377 |
| Net interest margin | 2.6955% | 3,411 |
| Noninterest income to average assets | 0.5694% | 1,827 |
| Noninterest expense to average assets | 2.4947% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4203% | 3,912 |
| Return on assets (ROA) | 0.4203% | 3,875 |
| Pretax return on assets | 0.4203% | 4,002 |
| Return on Equity (ROE) | 2.9382% | 4,103 |
| Retained earnings to average equity (ytd only) | 2.9382% | 3,282 |
| Net charge-offs to loans | -0.0224% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5814% | 758 |
| Assets per employee ($millions) | 4.1249% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8322% | 44 |
| Loan loss allowance to noncurrent loans | 9,030.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,694 |
| Noncurrent loans to loans | 0.0535% | 3,600 |
| Net loans and leases to total assets | 30.7953% | 4,425 |
| Net loans and leases to deposits | 36.0730% | 4,379 |
| Net loans and leases to core deposits | 36.7142% | 4,405 |
| Total domestic deposits to total assets | 85.3694% | 3,452 |
| Equity capital to assets | 13.6435% | 578 |
| Core capital (leverage) ratio | 14.8706% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,006,000 | 4,452 |
| Average earning assets | $51,344,000 | 4,471 |
| Average equity | $8,440,500 | 4,222 |
| Average total loans | $17,846,000 | 4,552 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9791% | 3,907 |
| Cost of funding earning assets | 0.2016% | 3,448 |
| Net interest margin | 2.7775% | 3,719 |
| Noninterest income to average assets | 3.7469% | 150 |
| Noninterest expense to average assets | 3.9181% | 311 |
| Loan and lease loss provision to assets | 0.8473% | 48 |
| Net operating income to assets | 1.3862% | 1,326 |
| Return on assets (ROA) | 1.3862% | 1,383 |
| Pretax return on assets | 1.3862% | 2,093 |
| Return on Equity (ROE) | 9.2702% | 2,793 |
| Retained earnings to average equity (ytd only) | 9.2702% | 1,111 |
| Net charge-offs to loans | 0.0054% | 2,388 |
| Credit loss provision to net charge-offs | 50,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,318.0000% | 113 |
| Efficiency ratio | 63.6915% | 2,612 |
| Assets per employee ($millions) | 4.3045% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2984% | 39 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,974 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 26.7229% | 4,604 |
| Net loans and leases to deposits | 31.7840% | 4,586 |
| Net loans and leases to core deposits | 31.9797% | 4,609 |
| Total domestic deposits to total assets | 84.0765% | 3,539 |
| Equity capital to assets | 14.9379% | 499 |
| Core capital (leverage) ratio | 14.0273% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,008,600 | 4,468 |
| Average earning assets | $51,089,200 | 4,495 |
| Average equity | $8,824,000 | 4,259 |
| Average total loans | $18,377,600 | 4,593 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0553% | 3,899 |
| Cost of funding earning assets | 0.2368% | 3,245 |
| Net interest margin | 2.8184% | 3,739 |
| Noninterest income to average assets | 4.8453% | 118 |
| Noninterest expense to average assets | 2.9962% | 982 |
| Loan and lease loss provision to assets | 1.1364% | 28 |
| Net operating income to assets | 3.1461% | 105 |
| Return on assets (ROA) | 3.1461% | 108 |
| Pretax return on assets | 3.1461% | 155 |
| Return on Equity (ROE) | 21.0333% | 356 |
| Retained earnings to average equity (ytd only) | 21.0333% | 102 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1673% | 4,685 |
| Assets per employee ($millions) | 4.7205% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0245% | 38 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 3,828 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 27.7837% | 4,658 |
| Net loans and leases to deposits | 33.4859% | 4,637 |
| Net loans and leases to core deposits | 33.6910% | 4,662 |
| Total domestic deposits to total assets | 82.9713% | 3,715 |
| Equity capital to assets | 16.0640% | 409 |
| Core capital (leverage) ratio | 15.1658% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,695,000 | 4,526 |
| Average earning assets | $50,665,000 | 4,564 |
| Average equity | $8,779,500 | 4,323 |
| Average total loans | $18,720,750 | 4,656 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 3,689 |
| Cost of funding earning assets | 0.2540% | 3,248 |
| Net interest margin | 2.9387% | 3,481 |
| Noninterest income to average assets | 0.5398% | 2,447 |
| Noninterest expense to average assets | 2.9686% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0934% | 4,721 |
| Return on assets (ROA) | 0.0934% | 4,737 |
| Pretax return on assets | 0.0934% | 4,741 |
| Return on Equity (ROE) | 0.6413% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.6413% | 4,404 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9492% | 198 |
| Assets per employee ($millions) | 4.4410% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2096% | 416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,897 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 30.8160% | 4,626 |
| Net loans and leases to deposits | 36.5423% | 4,618 |
| Net loans and leases to core deposits | 37.0060% | 4,650 |
| Total domestic deposits to total assets | 84.3296% | 3,332 |
| Equity capital to assets | 14.6762% | 586 |
| Core capital (leverage) ratio | 13.3565% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,804,333 | 4,564 |
| Average earning assets | $49,613,667 | 4,606 |
| Average equity | $8,420,000 | 4,379 |
| Average total loans | $18,977,000 | 4,685 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2520% | 3,568 |
| Cost of funding earning assets | 0.2569% | 3,408 |
| Net interest margin | 2.9950% | 3,270 |
| Noninterest income to average assets | 0.5463% | 2,417 |
| Noninterest expense to average assets | 2.9391% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1867% | 4,643 |
| Return on assets (ROA) | 0.1867% | 4,671 |
| Pretax return on assets | 0.1867% | 4,681 |
| Return on Equity (ROE) | 1.2867% | 4,682 |
| Retained earnings to average equity (ytd only) | -19.8725% | 4,916 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0265% | 283 |
| Assets per employee ($millions) | 4.4789% | 4,118 |
| Cash dividends to net income (ytd only)* | 1,644.4444% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0929% | 509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 4,012 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 32.2983% | 4,621 |
| Net loans and leases to deposits | 38.1615% | 4,619 |
| Net loans and leases to core deposits | 38.6398% | 4,654 |
| Total domestic deposits to total assets | 84.6357% | 3,242 |
| Equity capital to assets | 14.3201% | 609 |
| Core capital (leverage) ratio | 13.5848% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,840,000 | 4,583 |
| Average earning assets | $49,816,000 | 4,622 |
| Average equity | $8,393,500 | 4,396 |
| Average total loans | $19,369,000 | 4,707 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 4,236 |
| Cost of funding earning assets | 0.3846% | 3,674 |
| Net interest margin | 2.9866% | 3,916 |
| Noninterest income to average assets | 0.8754% | 1,330 |
| Noninterest expense to average assets | 6.9170% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -3.4695% | 4,979 |
| Return on assets (ROA) | -3.4695% | 4,980 |
| Pretax return on assets | -3.4695% | 4,981 |
| Return on Equity (ROE) | -22.1024% | 4,975 |
| Retained earnings to average equity (ytd only) | -26.8824% | 4,974 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.6373% | 19 |
| Assets per employee ($millions) | 4.1039% | 4,289 |
| Cash dividends to net income (ytd only)* | -21.6269% | 4,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0584% | 526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,080 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 33.2927% | 4,669 |
| Net loans and leases to deposits | 39.5681% | 4,666 |
| Net loans and leases to core deposits | 40.0729% | 4,693 |
| Total domestic deposits to total assets | 84.1404% | 3,071 |
| Equity capital to assets | 14.7057% | 627 |
| Core capital (leverage) ratio | 12.5000% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,173,400 | 4,522 |
| Average earning assets | $50,960,200 | 4,571 |
| Average equity | $9,288,600 | 4,271 |
| Average total loans | $21,407,400 | 4,684 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 4,259 |
| Cost of funding earning assets | 0.4132% | 3,742 |
| Net interest margin | 3.0563% | 3,845 |
| Noninterest income to average assets | 0.6756% | 1,875 |
| Noninterest expense to average assets | 3.2190% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0872% | 4,715 |
| Return on assets (ROA) | 0.0872% | 4,739 |
| Pretax return on assets | 0.0872% | 4,735 |
| Return on Equity (ROE) | 0.5474% | 4,748 |
| Retained earnings to average equity (ytd only) | -5.6850% | 4,859 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3613% | 200 |
| Assets per employee ($millions) | 4.4591% | 3,895 |
| Cash dividends to net income (ytd only)* | 1,138.4615% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 506 |
| Loan loss allowance to noncurrent loans | 167.5000% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4325% | 2,446 |
| Noncurrent loans to loans | 1.1857% | 1,286 |
| Net loans and leases to total assets | 31.7811% | 4,794 |
| Net loans and leases to deposits | 38.7107% | 4,781 |
| Net loans and leases to core deposits | 39.1754% | 4,801 |
| Total domestic deposits to total assets | 82.0991% | 3,396 |
| Equity capital to assets | 15.4677% | 545 |
| Core capital (leverage) ratio | 14.1635% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0150% | 256 |
| Memoranda: | ||
| Average total assets | $59,603,250 | 4,535 |
| Average earning assets | $51,301,750 | 4,587 |
| Average equity | $9,498,500 | 4,266 |
| Average total loans | $21,876,750 | 4,712 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 4,301 |
| Cost of funding earning assets | 0.4445% | 3,822 |
| Net interest margin | 3.1316% | 3,829 |
| Noninterest income to average assets | 0.6819% | 1,803 |
| Noninterest expense to average assets | 2.8707% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5012% | 4,015 |
| Return on assets (ROA) | 0.5012% | 4,091 |
| Pretax return on assets | 0.5012% | 4,250 |
| Return on Equity (ROE) | 3.1124% | 4,324 |
| Retained earnings to average equity (ytd only) | -6.2884% | 4,822 |
| Net charge-offs to loans | 0.0535% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,576 |
| Efficiency ratio | 85.1365% | 577 |
| Assets per employee ($millions) | 4.6204% | 3,625 |
| Cash dividends to net income (ytd only)* | 302.0408% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 609 |
| Loan loss allowance to noncurrent loans | 162.2951% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 2,609 |
| Noncurrent loans to loans | 1.1294% | 1,393 |
| Net loans and leases to total assets | 32.7866% | 4,809 |
| Net loans and leases to deposits | 39.6233% | 4,799 |
| Net loans and leases to core deposits | 40.0786% | 4,826 |
| Total domestic deposits to total assets | 82.7456% | 3,166 |
| Equity capital to assets | 14.9030% | 632 |
| Core capital (leverage) ratio | 14.6391% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3636% | 256 |
| Memoranda: | ||
| Average total assets | $58,662,000 | 4,558 |
| Average earning assets | $50,389,000 | 4,612 |
| Average equity | $9,446,000 | 4,288 |
| Average total loans | $22,421,667 | 4,724 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 4,070 |
| Cost of funding earning assets | 0.4726% | 4,056 |
| Net interest margin | 3.4094% | 3,268 |
| Noninterest income to average assets | 0.7691% | 1,397 |
| Noninterest expense to average assets | 3.1698% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5031% | 3,886 |
| Return on assets (ROA) | 0.5031% | 3,945 |
| Pretax return on assets | 0.5031% | 4,116 |
| Return on Equity (ROE) | 2.9950% | 4,219 |
| Retained earnings to average equity (ytd only) | -16.0017% | 4,912 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3014% | 683 |
| Assets per employee ($millions) | 3.9741% | 3,947 |
| Cash dividends to net income (ytd only)* | 634.2857% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7753% | 745 |
| Loan loss allowance to noncurrent loans | 120.3593% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 2,039 |
| Noncurrent loans to loans | 1.4750% | 1,086 |
| Net loans and leases to total assets | 39.9763% | 4,666 |
| Net loans and leases to deposits | 49.4453% | 4,613 |
| Net loans and leases to core deposits | 50.1228% | 4,674 |
| Total domestic deposits to total assets | 80.8494% | 3,699 |
| Equity capital to assets | 16.4240% | 519 |
| Core capital (leverage) ratio | 16.1756% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9269% | 286 |
| Memoranda: | ||
| Average total assets | $55,650,500 | 4,613 |
| Average earning assets | $47,399,000 | 4,684 |
| Average equity | $9,349,000 | 4,323 |
| Average total loans | $22,830,500 | 4,750 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 3,647 |
| Cost of funding earning assets | 0.4059% | 4,426 |
| Net interest margin | 3.8541% | 2,320 |
| Noninterest income to average assets | 1.6204% | 356 |
| Noninterest expense to average assets | 3.8701% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0495% | 2,658 |
| Return on assets (ROA) | 1.0495% | 2,755 |
| Pretax return on assets | 1.0495% | 3,335 |
| Return on Equity (ROE) | 6.3990% | 3,782 |
| Retained earnings to average equity (ytd only) | 2.5077% | 3,777 |
| Net charge-offs to loans | 0.1818% | 1,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 14.0952% | 2,304 |
| Efficiency ratio | 78.6667% | 1,067 |
| Assets per employee ($millions) | 3.9759% | 3,926 |
| Cash dividends to net income (ytd only)* | 60.8108% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 726 |
| Loan loss allowance to noncurrent loans | 249.6894% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 3,033 |
| Noncurrent loans to loans | 0.6995% | 2,129 |
| Net loans and leases to total assets | 40.6284% | 4,712 |
| Net loans and leases to deposits | 50.7997% | 4,657 |
| Net loans and leases to core deposits | 51.1536% | 4,728 |
| Total domestic deposits to total assets | 79.9777% | 3,981 |
| Equity capital to assets | 17.1748% | 447 |
| Core capital (leverage) ratio | 16.8305% | 432 |
| Tier 1 risk-based capital ratio | 29.9174% | 478 |
| Total risk-based capital ratio | 32.4150% | 434 |
| Memoranda: | ||
| Average total assets | $56,406,400 | 4,642 |
| Average earning assets | $48,286,800 | 4,704 |
| Average equity | $9,251,400 | 4,339 |
| Average total loans | $23,099,800 | 4,805 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 3,588 |
| Cost of funding earning assets | 0.3849% | 4,550 |
| Net interest margin | 3.9373% | 2,141 |
| Noninterest income to average assets | 1.7552% | 324 |
| Noninterest expense to average assets | 4.1277% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0013% | 2,978 |
| Return on assets (ROA) | 1.0013% | 3,055 |
| Pretax return on assets | 1.0013% | 3,596 |
| Return on Equity (ROE) | 6.1765% | 3,990 |
| Retained earnings to average equity (ytd only) | 0.9446% | 4,579 |
| Net charge-offs to loans | 0.2422% | 737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 10.1188% | 2,520 |
| Efficiency ratio | 80.4777% | 879 |
| Assets per employee ($millions) | 3.5674% | 4,440 |
| Cash dividends to net income (ytd only)* | 84.7066% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 4,076 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 39.6258% | 4,825 |
| Net loans and leases to deposits | 49.0906% | 4,800 |
| Net loans and leases to core deposits | 49.4199% | 4,851 |
| Total domestic deposits to total assets | 80.7197% | 3,825 |
| Equity capital to assets | 16.5718% | 545 |
| Core capital (leverage) ratio | 15.9843% | 562 |
| Tier 1 risk-based capital ratio | 28.1306% | 568 |
| Total risk-based capital ratio | 29.3798% | 546 |
| Memoranda: | ||
| Average total assets | $56,592,250 | 4,710 |
| Average earning assets | $48,492,000 | 4,767 |
| Average equity | $9,174,250 | 4,396 |
| Average total loans | $23,120,500 | 4,877 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 3,924 |
| Cost of funding earning assets | 0.3718% | 4,613 |
| Net interest margin | 3.8297% | 2,481 |
| Noninterest income to average assets | 2.2293% | 227 |
| Noninterest expense to average assets | 3.7498% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7650% | 640 |
| Return on assets (ROA) | 1.7650% | 669 |
| Pretax return on assets | 1.7650% | 1,134 |
| Return on Equity (ROE) | 10.9700% | 1,988 |
| Retained earnings to average equity (ytd only) | 3.0399% | 3,701 |
| Net charge-offs to loans | 0.3628% | 460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 2,182 |
| Efficiency ratio | 67.9949% | 2,531 |
| Assets per employee ($millions) | 3.5351% | 4,461 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 793 |
| Loan loss allowance to noncurrent loans | 574.2857% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 2,549 |
| Noncurrent loans to loans | 0.2988% | 3,468 |
| Net loans and leases to total assets | 40.7030% | 4,829 |
| Net loans and leases to deposits | 50.5256% | 4,786 |
| Net loans and leases to core deposits | 50.8684% | 4,847 |
| Total domestic deposits to total assets | 80.5590% | 3,924 |
| Equity capital to assets | 16.7624% | 498 |
| Core capital (leverage) ratio | 16.5345% | 481 |
| Tier 1 risk-based capital ratio | 28.9634% | 520 |
| Total risk-based capital ratio | 30.2125% | 514 |
| Memoranda: | ||
| Average total assets | $56,430,000 | 4,749 |
| Average earning assets | $48,410,670 | 4,802 |
| Average equity | $9,079,330 | 4,425 |
| Average total loans | $23,154,000 | 4,914 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 4,044 |
| Cost of funding earning assets | 0.3467% | 4,691 |
| Net interest margin | 3.7886% | 2,571 |
| Noninterest income to average assets | 1.3413% | 476 |
| Noninterest expense to average assets | 3.8464% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7522% | 3,763 |
| Return on assets (ROA) | 0.7522% | 3,810 |
| Pretax return on assets | 0.7522% | 4,167 |
| Return on Equity (ROE) | 4.7756% | 4,391 |
| Retained earnings to average equity (ytd only) | -11.4434% | 5,145 |
| Net charge-offs to loans | 0.7298% | 204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.5238% | 2,486 |
| Efficiency ratio | 83.6420% | 738 |
| Assets per employee ($millions) | 3.5079% | 4,553 |
| Cash dividends to net income (ytd only)* | 339.6226% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 759 |
| Loan loss allowance to noncurrent loans | 730.9091% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 2,043 |
| Noncurrent loans to loans | 0.2412% | 3,708 |
| Net loans and leases to total assets | 39.9184% | 4,891 |
| Net loans and leases to deposits | 48.9673% | 4,851 |
| Net loans and leases to core deposits | 49.2905% | 4,913 |
| Total domestic deposits to total assets | 81.5205% | 3,850 |
| Equity capital to assets | 15.8141% | 604 |
| Core capital (leverage) ratio | 15.2978% | 638 |
| Tier 1 risk-based capital ratio | 24.7497% | 775 |
| Total risk-based capital ratio | 25.9163% | 777 |
| Memoranda: | ||
| Average total assets | $56,364,500 | 4,801 |
| Average earning assets | $48,461,000 | 4,848 |
| Average equity | $8,878,500 | 4,484 |
| Average total loans | $23,019,000 | 4,971 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 3,344 |
| Cost of funding earning assets | 0.2463% | 4,823 |
| Net interest margin | 3.9861% | 2,035 |
| Noninterest income to average assets | 1.2768% | 574 |
| Noninterest expense to average assets | 3.8567% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8402% | 3,646 |
| Return on assets (ROA) | 0.8402% | 3,646 |
| Pretax return on assets | 0.8402% | 4,069 |
| Return on Equity (ROE) | 5.5946% | 4,294 |
| Retained earnings to average equity (ytd only) | 1.4074% | 4,571 |
| Net charge-offs to loans | 0.0127% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 160.3333% | 537 |
| Efficiency ratio | 82.1123% | 795 |
| Assets per employee ($millions) | 3.7735% | 4,223 |
| Cash dividends to net income (ytd only)* | 74.8441% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9112% | 560 |
| Loan loss allowance to noncurrent loans | 165.6716% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 2,077 |
| Noncurrent loans to loans | 1.1536% | 1,392 |
| Net loans and leases to total assets | 40.2583% | 4,938 |
| Net loans and leases to deposits | 49.3781% | 4,905 |
| Net loans and leases to core deposits | 49.7077% | 4,950 |
| Total domestic deposits to total assets | 81.5307% | 3,780 |
| Equity capital to assets | 15.6903% | 587 |
| Core capital (leverage) ratio | 15.8233% | 543 |
| Tier 1 risk-based capital ratio | 25.0742% | 737 |
| Total risk-based capital ratio | 26.3416% | 721 |
| Memoranda: | ||
| Average total assets | $57,250,800 | 4,812 |
| Average earning assets | $49,121,200 | 4,874 |
| Average equity | $8,597,600 | 4,510 |
| Average total loans | $23,627,600 | 4,981 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 3,336 |
| Cost of funding earning assets | 0.2220% | 4,931 |
| Net interest margin | 3.9748% | 2,031 |
| Noninterest income to average assets | 1.3725% | 502 |
| Noninterest expense to average assets | 3.9758% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8058% | 3,879 |
| Return on assets (ROA) | 0.8058% | 3,885 |
| Pretax return on assets | 0.8058% | 4,274 |
| Return on Equity (ROE) | 5.4260% | 4,439 |
| Retained earnings to average equity (ytd only) | -0.2032% | 5,060 |
| Net charge-offs to loans | 0.0169% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 115.6650% | 675 |
| Efficiency ratio | 83.1472% | 695 |
| Assets per employee ($millions) | 3.9271% | 4,009 |
| Cash dividends to net income (ytd only)* | 103.7457% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 607 |
| Loan loss allowance to noncurrent loans | 165.6716% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 2,162 |
| Noncurrent loans to loans | 1.1420% | 1,484 |
| Net loans and leases to total assets | 41.8778% | 4,968 |
| Net loans and leases to deposits | 51.2647% | 4,907 |
| Net loans and leases to core deposits | 51.6152% | 4,980 |
| Total domestic deposits to total assets | 81.6894% | 3,694 |
| Equity capital to assets | 15.5368% | 609 |
| Core capital (leverage) ratio | 13.1683% | 1,221 |
| Tier 1 risk-based capital ratio | 21.4924% | 1,117 |
| Total risk-based capital ratio | 22.7682% | 1,094 |
| Memoranda: | ||
| Average total assets | $57,413,000 | 4,858 |
| Average earning assets | $49,241,750 | 4,923 |
| Average equity | $8,526,750 | 4,567 |
| Average total loans | $23,726,750 | 5,036 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,696 |
| Cost of funding earning assets | 0.1798% | 5,111 |
| Net interest margin | 3.8485% | 2,390 |
| Noninterest income to average assets | 0.8278% | 1,394 |
| Noninterest expense to average assets | 3.3526% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7832% | 3,912 |
| Return on assets (ROA) | 0.7832% | 3,912 |
| Pretax return on assets | 0.7832% | 4,299 |
| Return on Equity (ROE) | 5.3511% | 4,448 |
| Retained earnings to average equity (ytd only) | -3.0980% | 5,215 |
| Net charge-offs to loans | -0.0168% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0631% | 913 |
| Assets per employee ($millions) | 3.5644% | 4,509 |
| Cash dividends to net income (ytd only)* | 157.8947% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 630 |
| Loan loss allowance to noncurrent loans | 152.7211% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 2,132 |
| Noncurrent loans to loans | 1.2445% | 1,390 |
| Net loans and leases to total assets | 40.6348% | 5,038 |
| Net loans and leases to deposits | 49.1079% | 5,000 |
| Net loans and leases to core deposits | 49.4273% | 5,054 |
| Total domestic deposits to total assets | 82.7459% | 3,481 |
| Equity capital to assets | 14.9079% | 703 |
| Core capital (leverage) ratio | 13.4137% | 1,092 |
| Tier 1 risk-based capital ratio | 23.2323% | 912 |
| Total risk-based capital ratio | 24.5272% | 890 |
| Memoranda: | ||
| Average total assets | $58,224,330 | 4,903 |
| Average earning assets | $50,045,330 | 4,965 |
| Average equity | $8,521,670 | 4,607 |
| Average total loans | $23,813,000 | 5,094 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 4,219 |
| Cost of funding earning assets | 0.1577% | 5,232 |
| Net interest margin | 3.6433% | 3,012 |
| Noninterest income to average assets | 0.7820% | 1,511 |
| Noninterest expense to average assets | 3.5021% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4216% | 4,884 |
| Return on assets (ROA) | 0.4216% | 4,890 |
| Pretax return on assets | 0.4216% | 5,001 |
| Return on Equity (ROE) | 2.9069% | 5,038 |
| Retained earnings to average equity (ytd only) | -13.9718% | 5,439 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2548% | 479 |
| Assets per employee ($millions) | 4.5100% | 3,139 |
| Cash dividends to net income (ytd only)* | 580.6452% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8579% | 706 |
| Loan loss allowance to noncurrent loans | 129.9419% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.3645% | 1,075 |
| Noncurrent loans to loans | 1.4298% | 1,240 |
| Net loans and leases to total assets | 40.2729% | 5,059 |
| Net loans and leases to deposits | 48.2261% | 5,034 |
| Net loans and leases to core deposits | 48.5284% | 5,086 |
| Total domestic deposits to total assets | 83.5084% | 3,499 |
| Equity capital to assets | 14.2384% | 830 |
| Core capital (leverage) ratio | 12.9505% | 1,198 |
| Tier 1 risk-based capital ratio | 21.4840% | 1,123 |
| Total risk-based capital ratio | 22.7848% | 1,096 |
| Memoranda: | ||
| Average total assets | $58,821,500 | 4,949 |
| Average earning assets | $50,723,500 | 5,013 |
| Average equity | $8,531,500 | 4,659 |
| Average total loans | $23,908,000 | 5,147 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 3,610 |
| Cost of funding earning assets | 0.1514% | 5,254 |
| Net interest margin | 3.7891% | 2,465 |
| Noninterest income to average assets | 0.7774% | 1,653 |
| Noninterest expense to average assets | 3.1990% | 1,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8553% | 2,933 |
| Return on assets (ROA) | 0.8553% | 2,953 |
| Pretax return on assets | 0.8553% | 4,071 |
| Return on Equity (ROE) | 6.0451% | 3,741 |
| Retained earnings to average equity (ytd only) | 3.1046% | 3,435 |
| Net charge-offs to loans | -0.0041% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9043% | 1,235 |
| Assets per employee ($millions) | 4.2152% | 3,629 |
| Cash dividends to net income (ytd only)* | 48.6434% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 2,038 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 39.4998% | 5,149 |
| Net loans and leases to deposits | 47.6035% | 5,137 |
| Net loans and leases to core deposits | 47.9019% | 5,193 |
| Total domestic deposits to total assets | 82.9766% | 3,570 |
| Equity capital to assets | 14.7679% | 724 |
| Core capital (leverage) ratio | 13.9365% | 847 |
| Tier 1 risk-based capital ratio | 24.0403% | 813 |
| Total risk-based capital ratio | 25.3199% | 793 |
| Memoranda: | ||
| Average total assets | $60,330,800 | 4,959 |
| Average earning assets | $52,176,600 | 5,027 |
| Average equity | $8,535,800 | 4,699 |
| Average total loans | $24,325,600 | 5,183 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,713 |
| Cost of funding earning assets | 0.1499% | 5,311 |
| Net interest margin | 3.7394% | 2,621 |
| Noninterest income to average assets | 0.7803% | 1,664 |
| Noninterest expense to average assets | 3.2464% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7693% | 3,650 |
| Return on assets (ROA) | 0.7693% | 3,705 |
| Pretax return on assets | 0.7693% | 4,429 |
| Return on Equity (ROE) | 5.2410% | 4,431 |
| Retained earnings to average equity (ytd only) | 1.4825% | 4,828 |
| Net charge-offs to loans | -0.0054% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8429% | 1,014 |
| Assets per employee ($millions) | 3.9463% | 4,080 |
| Cash dividends to net income (ytd only)* | 71.7139% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 710 |
| Loan loss allowance to noncurrent loans | 104.6838% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.4731% | 1,039 |
| Noncurrent loans to loans | 1.8102% | 986 |
| Net loans and leases to total assets | 39.0952% | 5,228 |
| Net loans and leases to deposits | 47.0261% | 5,226 |
| Net loans and leases to core deposits | 47.3193% | 5,277 |
| Total domestic deposits to total assets | 83.1351% | 3,418 |
| Equity capital to assets | 14.6636% | 816 |
| Core capital (leverage) ratio | 13.8218% | 939 |
| Tier 1 risk-based capital ratio | 23.7874% | 870 |
| Total risk-based capital ratio | 25.0661% | 850 |
| Memoranda: | ||
| Average total assets | $60,660,250 | 5,004 |
| Average earning assets | $52,485,250 | 5,079 |
| Average equity | $8,904,000 | 4,676 |
| Average total loans | $24,467,750 | 5,229 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 3,696 |
| Cost of funding earning assets | 0.1472% | 5,357 |
| Net interest margin | 3.7103% | 2,620 |
| Noninterest income to average assets | 0.7555% | 1,745 |
| Noninterest expense to average assets | 3.1857% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7850% | 3,461 |
| Return on assets (ROA) | 0.7850% | 3,520 |
| Pretax return on assets | 0.7850% | 4,330 |
| Return on Equity (ROE) | 5.1869% | 4,399 |
| Retained earnings to average equity (ytd only) | -0.2377% | 5,115 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2306% | 1,188 |
| Assets per employee ($millions) | 4.0023% | 3,953 |
| Cash dividends to net income (ytd only)* | 104.5833% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 820 |
| Loan loss allowance to noncurrent loans | 437.2549% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 1,927 |
| Noncurrent loans to loans | 0.4201% | 3,519 |
| Net loans and leases to total assets | 39.6975% | 5,234 |
| Net loans and leases to deposits | 47.4921% | 5,228 |
| Net loans and leases to core deposits | 47.7825% | 5,290 |
| Total domestic deposits to total assets | 83.5876% | 3,369 |
| Equity capital to assets | 15.6545% | 583 |
| Core capital (leverage) ratio | 14.5860% | 723 |
| Tier 1 risk-based capital ratio | 25.4134% | 711 |
| Total risk-based capital ratio | 26.6826% | 696 |
| Memoranda: | ||
| Average total assets | $61,149,000 | 5,037 |
| Average earning assets | $52,987,330 | 5,104 |
| Average equity | $9,254,000 | 4,635 |
| Average total loans | $24,760,670 | 5,254 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 3,972 |
| Cost of funding earning assets | 0.1418% | 5,425 |
| Net interest margin | 3.5983% | 2,892 |
| Noninterest income to average assets | 0.7325% | 1,814 |
| Noninterest expense to average assets | 3.0985% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7584% | 3,435 |
| Return on assets (ROA) | 0.7584% | 3,491 |
| Pretax return on assets | 0.7584% | 4,258 |
| Return on Equity (ROE) | 5.0969% | 4,341 |
| Retained earnings to average equity (ytd only) | -5.8375% | 5,435 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3361% | 1,344 |
| Assets per employee ($millions) | 4.1805% | 3,695 |
| Cash dividends to net income (ytd only)* | 214.5299% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 2,573 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 39.1912% | 5,280 |
| Net loans and leases to deposits | 46.3034% | 5,293 |
| Net loans and leases to core deposits | 46.5710% | 5,349 |
| Total domestic deposits to total assets | 84.6399% | 3,244 |
| Equity capital to assets | 14.6584% | 719 |
| Core capital (leverage) ratio | 14.5079% | 709 |
| Tier 1 risk-based capital ratio | 24.3800% | 830 |
| Total risk-based capital ratio | 25.6159% | 812 |
| Memoranda: | ||
| Average total assets | $61,706,500 | 5,081 |
| Average earning assets | $53,581,000 | 5,149 |
| Average equity | $9,182,000 | 4,682 |
| Average total loans | $25,002,000 | 5,298 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 3,200 |
| Cost of funding earning assets | 0.1423% | 5,472 |
| Net interest margin | 3.8570% | 2,110 |
| Noninterest income to average assets | 0.8164% | 1,691 |
| Noninterest expense to average assets | 3.5387% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5547% | 4,415 |
| Return on assets (ROA) | 0.5547% | 4,521 |
| Pretax return on assets | 0.5547% | 4,912 |
| Return on Equity (ROE) | 3.6053% | 4,979 |
| Retained earnings to average equity (ytd only) | -1.3022% | 5,479 |
| Net charge-offs to loans | 0.1870% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.2826% | 3,038 |
| Efficiency ratio | 86.4482% | 787 |
| Assets per employee ($millions) | 4.0470% | 3,881 |
| Cash dividends to net income (ytd only)* | 136.1194% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 972 |
| Loan loss allowance to noncurrent loans | 7,433.3333% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 2,459 |
| Noncurrent loans to loans | 0.0240% | 5,173 |
| Net loans and leases to total assets | 40.4184% | 5,297 |
| Net loans and leases to deposits | 48.0166% | 5,299 |
| Net loans and leases to core deposits | 48.0166% | 5,365 |
| Total domestic deposits to total assets | 84.1759% | 3,360 |
| Equity capital to assets | 15.1091% | 626 |
| Core capital (leverage) ratio | 14.7437% | 644 |
| Tier 1 risk-based capital ratio | 24.5810% | 808 |
| Total risk-based capital ratio | 25.8085% | 793 |
| Memoranda: | ||
| Average total assets | $60,390,200 | 5,131 |
| Average earning assets | $51,308,800 | 5,223 |
| Average equity | $9,291,800 | 4,690 |
| Average total loans | $24,596,800 | 5,369 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,693 |
| Cost of funding earning assets | 0.1440% | 5,515 |
| Net interest margin | 3.7274% | 2,607 |
| Noninterest income to average assets | 0.8865% | 1,452 |
| Noninterest expense to average assets | 3.5813% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4532% | 4,865 |
| Return on assets (ROA) | 0.4532% | 4,947 |
| Pretax return on assets | 0.4532% | 5,223 |
| Return on Equity (ROE) | 2.9322% | 5,238 |
| Retained earnings to average equity (ytd only) | -3.5901% | 5,681 |
| Net charge-offs to loans | 0.2503% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.4567% | 3,267 |
| Efficiency ratio | 88.7671% | 630 |
| Assets per employee ($millions) | 4.0929% | 3,803 |
| Cash dividends to net income (ytd only)* | 222.4344% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 946 |
| Loan loss allowance to noncurrent loans | 7,433.3333% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 2,717 |
| Noncurrent loans to loans | 0.0247% | 5,283 |
| Net loans and leases to total assets | 38.8546% | 5,436 |
| Net loans and leases to deposits | 46.0751% | 5,453 |
| Net loans and leases to core deposits | 46.3472% | 5,502 |
| Total domestic deposits to total assets | 84.3288% | 3,087 |
| Equity capital to assets | 15.0555% | 732 |
| Core capital (leverage) ratio | 14.3683% | 758 |
| Tier 1 risk-based capital ratio | 24.5469% | 856 |
| Total risk-based capital ratio | 25.7905% | 843 |
| Memoranda: | ||
| Average total assets | $60,311,500 | 5,182 |
| Average earning assets | $50,936,750 | 5,278 |
| Average equity | $9,321,750 | 4,737 |
| Average total loans | $24,500,500 | 5,423 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 3,796 |
| Cost of funding earning assets | 0.1390% | 5,622 |
| Net interest margin | 3.7047% | 2,679 |
| Noninterest income to average assets | 0.9274% | 1,297 |
| Noninterest expense to average assets | 3.5763% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4637% | 4,823 |
| Return on assets (ROA) | 0.4637% | 4,911 |
| Pretax return on assets | 0.4637% | 5,217 |
| Return on Equity (ROE) | 2.9739% | 5,253 |
| Retained earnings to average equity (ytd only) | -6.7822% | 5,810 |
| Net charge-offs to loans | 0.3745% | 617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.0217% | 3,177 |
| Efficiency ratio | 88.5219% | 684 |
| Assets per employee ($millions) | 3.4798% | 4,780 |
| Cash dividends to net income (ytd only)* | 328.0576% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7692% | 2,681 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 39.9435% | 5,424 |
| Net loans and leases to deposits | 47.7286% | 5,428 |
| Net loans and leases to core deposits | 48.0235% | 5,499 |
| Total domestic deposits to total assets | 83.6889% | 3,388 |
| Equity capital to assets | 15.7127% | 589 |
| Core capital (leverage) ratio | 14.5125% | 708 |
| Tier 1 risk-based capital ratio | 24.8105% | 827 |
| Total risk-based capital ratio | 26.0767% | 816 |
| Memoranda: | ||
| Average total assets | $59,951,000 | 5,241 |
| Average earning assets | $50,369,000 | 5,346 |
| Average equity | $9,348,000 | 4,764 |
| Average total loans | $24,567,330 | 5,478 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 3,602 |
| Cost of funding earning assets | 0.1508% | 5,605 |
| Net interest margin | 3.7456% | 2,498 |
| Noninterest income to average assets | 0.9412% | 1,205 |
| Noninterest expense to average assets | 3.7847% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2850% | 5,342 |
| Return on assets (ROA) | 0.2850% | 5,421 |
| Pretax return on assets | 0.2850% | 5,534 |
| Return on Equity (ROE) | 1.8348% | 5,537 |
| Retained earnings to average equity (ytd only) | -17.6223% | 5,937 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9967% | 499 |
| Assets per employee ($millions) | 3.5394% | 4,761 |
| Cash dividends to net income (ytd only)* | 1,060.4651% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 779 |
| Loan loss allowance to noncurrent loans | 637.6623% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.8676% | 2,524 |
| Noncurrent loans to loans | 0.3181% | 4,291 |
| Net loans and leases to total assets | 39.4206% | 5,486 |
| Net loans and leases to deposits | 46.7997% | 5,472 |
| Net loans and leases to core deposits | 47.3301% | 5,539 |
| Total domestic deposits to total assets | 84.2327% | 3,436 |
| Equity capital to assets | 15.2720% | 643 |
| Core capital (leverage) ratio | 13.7693% | 880 |
| Tier 1 risk-based capital ratio | 22.7069% | 1,053 |
| Total risk-based capital ratio | 23.9848% | 1,021 |
| Memoranda: | ||
| Average total assets | $60,348,500 | 5,282 |
| Average earning assets | $50,405,500 | 5,392 |
| Average equity | $9,374,500 | 4,784 |
| Average total loans | $24,813,500 | 5,518 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,129 |
| Cost of funding earning assets | 0.1826% | 5,421 |
| Net interest margin | 4.1439% | 1,295 |
| Noninterest income to average assets | 1.0108% | 1,154 |
| Noninterest expense to average assets | 3.4186% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9740% | 2,493 |
| Return on assets (ROA) | 0.9740% | 2,575 |
| Pretax return on assets | 0.9740% | 3,568 |
| Return on Equity (ROE) | 6.4534% | 3,807 |
| Retained earnings to average equity (ytd only) | 2.6641% | 4,176 |
| Net charge-offs to loans | -0.1276% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8264% | 1,993 |
| Assets per employee ($millions) | 3.3627% | 5,045 |
| Cash dividends to net income (ytd only)* | 58.7171% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 905 |
| Loan loss allowance to noncurrent loans | 472.1154% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 2,379 |
| Noncurrent loans to loans | 0.4092% | 3,987 |
| Net loans and leases to total assets | 41.1809% | 5,456 |
| Net loans and leases to deposits | 49.2181% | 5,427 |
| Net loans and leases to core deposits | 49.7704% | 5,510 |
| Total domestic deposits to total assets | 83.6704% | 3,603 |
| Equity capital to assets | 15.7943% | 546 |
| Core capital (leverage) ratio | 14.9928% | 619 |
| Tier 1 risk-based capital ratio | 24.2194% | 898 |
| Total risk-based capital ratio | 25.4945% | 877 |
| Memoranda: | ||
| Average total assets | $62,423,800 | 5,262 |
| Average earning assets | $50,942,800 | 5,412 |
| Average equity | $9,421,400 | 4,764 |
| Average total loans | $25,863,400 | 5,523 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 2,179 |
| Cost of funding earning assets | 0.1812% | 5,543 |
| Net interest margin | 4.1343% | 1,316 |
| Noninterest income to average assets | 1.0005% | 1,182 |
| Noninterest expense to average assets | 3.3344% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1002% | 2,003 |
| Return on assets (ROA) | 1.1002% | 2,086 |
| Pretax return on assets | 1.1002% | 3,228 |
| Return on Equity (ROE) | 7.3719% | 3,421 |
| Retained earnings to average equity (ytd only) | 2.3010% | 4,737 |
| Net charge-offs to loans | -0.2823% | 6,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1912% | 2,371 |
| Assets per employee ($millions) | 3.3348% | 5,077 |
| Cash dividends to net income (ytd only)* | 68.7867% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 959 |
| Loan loss allowance to noncurrent loans | 250.2439% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 1,839 |
| Noncurrent loans to loans | 0.7873% | 2,996 |
| Net loans and leases to total assets | 42.5216% | 5,461 |
| Net loans and leases to deposits | 50.9726% | 5,423 |
| Net loans and leases to core deposits | 51.8854% | 5,509 |
| Total domestic deposits to total assets | 83.4205% | 3,643 |
| Equity capital to assets | 16.0347% | 559 |
| Core capital (leverage) ratio | 14.4173% | 754 |
| Tier 1 risk-based capital ratio | 23.5640% | 992 |
| Total risk-based capital ratio | 24.8404% | 977 |
| Memoranda: | ||
| Average total assets | $62,897,750 | 5,310 |
| Average earning assets | $52,245,250 | 5,450 |
| Average equity | $9,386,750 | 4,829 |
| Average total loans | $25,975,000 | 5,583 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,227 |
| Cost of funding earning assets | 0.1922% | 5,510 |
| Net interest margin | 4.0898% | 1,379 |
| Noninterest income to average assets | 1.0242% | 1,131 |
| Noninterest expense to average assets | 3.4547% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9678% | 2,545 |
| Return on assets (ROA) | 0.9678% | 2,655 |
| Pretax return on assets | 0.9678% | 3,706 |
| Return on Equity (ROE) | 6.6399% | 3,815 |
| Retained earnings to average equity (ytd only) | -1.0314% | 5,693 |
| Net charge-offs to loans | -0.1464% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1161% | 2,050 |
| Assets per employee ($millions) | 3.6952% | 4,436 |
| Cash dividends to net income (ytd only)* | 115.5340% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 1,306 |
| Loan loss allowance to noncurrent loans | 267.0391% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 959 |
| Noncurrent loans to loans | 0.6865% | 3,427 |
| Net loans and leases to total assets | 40.7495% | 5,587 |
| Net loans and leases to deposits | 48.1428% | 5,589 |
| Net loans and leases to core deposits | 48.9539% | 5,653 |
| Total domestic deposits to total assets | 84.6429% | 3,274 |
| Equity capital to assets | 14.8620% | 727 |
| Core capital (leverage) ratio | 13.6328% | 946 |
| Tier 1 risk-based capital ratio | 23.4467% | 1,019 |
| Total risk-based capital ratio | 24.7274% | 999 |
| Memoranda: | ||
| Average total assets | $63,855,000 | 5,351 |
| Average earning assets | $53,058,670 | 5,487 |
| Average equity | $9,307,330 | 4,880 |
| Average total loans | $25,954,330 | 5,636 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,304 |
| Cost of funding earning assets | 0.2102% | 5,416 |
| Net interest margin | 3.7689% | 2,358 |
| Noninterest income to average assets | 1.0004% | 1,121 |
| Noninterest expense to average assets | 3.5170% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6027% | 4,282 |
| Return on assets (ROA) | 0.6027% | 4,377 |
| Pretax return on assets | 0.6027% | 4,912 |
| Return on Equity (ROE) | 4.1752% | 4,900 |
| Retained earnings to average equity (ytd only) | -11.1912% | 6,160 |
| Net charge-offs to loans | 0.0309% | 2,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 856 |
| Efficiency ratio | 85.3695% | 1,234 |
| Assets per employee ($millions) | 3.8117% | 4,317 |
| Cash dividends to net income (ytd only)* | 368.0412% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 1,553 |
| Loan loss allowance to noncurrent loans | 592.2078% | 859 |
| Noncurrent assets plus other real estate owned to assets | 2.0077% | 1,177 |
| Noncurrent loans to loans | 0.2998% | 4,716 |
| Net loans and leases to total assets | 38.9373% | 5,665 |
| Net loans and leases to deposits | 45.6042% | 5,669 |
| Net loans and leases to core deposits | 46.3413% | 5,739 |
| Total domestic deposits to total assets | 85.3809% | 3,232 |
| Equity capital to assets | 14.2008% | 922 |
| Core capital (leverage) ratio | 13.5821% | 943 |
| Tier 1 risk-based capital ratio | 22.2187% | 1,205 |
| Total risk-based capital ratio | 128.0106% | 42 |
| Memoranda: | ||
| Average total assets | $64,373,500 | 5,385 |
| Average earning assets | $53,277,500 | 5,532 |
| Average equity | $9,293,000 | 4,919 |
| Average total loans | $25,893,500 | 5,685 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,686 |
| Cost of funding earning assets | 0.2370% | 5,456 |
| Net interest margin | 3.7755% | 2,708 |
| Noninterest income to average assets | 1.0555% | 1,090 |
| Noninterest expense to average assets | 3.4940% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7406% | 3,675 |
| Return on assets (ROA) | 0.7406% | 3,782 |
| Pretax return on assets | 0.7406% | 4,474 |
| Return on Equity (ROE) | 5.1378% | 4,591 |
| Retained earnings to average equity (ytd only) | 0.8112% | 5,404 |
| Net charge-offs to loans | 0.0598% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 29.6875% | 1,346 |
| Efficiency ratio | 82.5110% | 1,599 |
| Assets per employee ($millions) | 3.7616% | 4,421 |
| Cash dividends to net income (ytd only)* | 84.2105% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 1,646 |
| Loan loss allowance to noncurrent loans | 594.8052% | 929 |
| Noncurrent assets plus other real estate owned to assets | 2.6537% | 845 |
| Noncurrent loans to loans | 0.2950% | 4,794 |
| Net loans and leases to total assets | 40.0982% | 5,734 |
| Net loans and leases to deposits | 47.2637% | 5,729 |
| Net loans and leases to core deposits | 47.7700% | 5,824 |
| Total domestic deposits to total assets | 84.8392% | 3,354 |
| Equity capital to assets | 14.6744% | 764 |
| Core capital (leverage) ratio | 14.9958% | 614 |
| Tier 1 risk-based capital ratio | 22.9732% | 1,087 |
| Total risk-based capital ratio | 24.0737% | 1,085 |
| Memoranda: | ||
| Average total assets | $64,138,000 | 5,439 |
| Average earning assets | $54,005,800 | 5,566 |
| Average equity | $9,245,200 | 4,913 |
| Average total loans | $26,766,000 | 5,710 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,548 |
| Cost of funding earning assets | 0.2411% | 5,498 |
| Net interest margin | 3.8113% | 2,571 |
| Noninterest income to average assets | 1.0553% | 1,105 |
| Noninterest expense to average assets | 3.4213% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8517% | 3,171 |
| Return on assets (ROA) | 0.8517% | 3,263 |
| Pretax return on assets | 0.8517% | 4,173 |
| Return on Equity (ROE) | 5.9351% | 4,267 |
| Retained earnings to average equity (ytd only) | 0.1447% | 5,761 |
| Net charge-offs to loans | 0.0990% | 2,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.4968% | 1,728 |
| Efficiency ratio | 80.0681% | 1,905 |
| Assets per employee ($millions) | 3.3496% | 5,145 |
| Cash dividends to net income (ytd only)* | 97.5615% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 2,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5879% | 999 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.6565% | 5,707 |
| Net loans and leases to deposits | 49.0754% | 5,696 |
| Net loans and leases to core deposits | 49.8974% | 5,795 |
| Total domestic deposits to total assets | 84.8826% | 3,384 |
| Equity capital to assets | 14.6868% | 812 |
| Core capital (leverage) ratio | 14.9271% | 631 |
| Tier 1 risk-based capital ratio | 22.6960% | 1,160 |
| Total risk-based capital ratio | 23.7835% | 1,164 |
| Memoranda: | ||
| Average total assets | $64,185,500 | 5,507 |
| Average earning assets | $54,187,750 | 5,632 |
| Average equity | $9,210,500 | 4,958 |
| Average total loans | $26,932,500 | 5,757 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 3,724 |
| Cost of funding earning assets | 0.2416% | 5,569 |
| Net interest margin | 3.7592% | 2,721 |
| Noninterest income to average assets | 1.0471% | 1,081 |
| Noninterest expense to average assets | 3.4179% | 1,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8203% | 3,235 |
| Return on assets (ROA) | 0.8203% | 3,329 |
| Pretax return on assets | 0.8203% | 4,194 |
| Return on Equity (ROE) | 5.7610% | 4,300 |
| Retained earnings to average equity (ytd only) | -2.9678% | 6,096 |
| Net charge-offs to loans | 0.1263% | 2,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.5294% | 1,840 |
| Efficiency ratio | 80.6452% | 1,924 |
| Assets per employee ($millions) | 3.3406% | 5,171 |
| Cash dividends to net income (ytd only)* | 151.5152% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 2,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5776% | 1,070 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 41.5197% | 5,708 |
| Net loans and leases to deposits | 48.7847% | 5,721 |
| Net loans and leases to core deposits | 49.5991% | 5,819 |
| Total domestic deposits to total assets | 85.1082% | 3,453 |
| Equity capital to assets | 14.5184% | 816 |
| Core capital (leverage) ratio | 14.5109% | 699 |
| Tier 1 risk-based capital ratio | 22.7485% | 1,150 |
| Total risk-based capital ratio | 23.8627% | 1,152 |
| Memoranda: | ||
| Average total assets | $64,366,670 | 5,549 |
| Average earning assets | $54,639,670 | 5,673 |
| Average equity | $9,165,000 | 4,993 |
| Average total loans | $26,921,330 | 5,801 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,535 |
| Cost of funding earning assets | 0.2404% | 5,671 |
| Net interest margin | 3.7958% | 2,488 |
| Noninterest income to average assets | 1.0738% | 969 |
| Noninterest expense to average assets | 3.6103% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6789% | 3,789 |
| Return on assets (ROA) | 0.6789% | 3,873 |
| Pretax return on assets | 0.6789% | 4,556 |
| Return on Equity (ROE) | 4.8140% | 4,631 |
| Retained earnings to average equity (ytd only) | -12.6915% | 6,435 |
| Net charge-offs to loans | 0.2669% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.1111% | 2,277 |
| Efficiency ratio | 84.1727% | 1,649 |
| Assets per employee ($millions) | 3.4363% | 5,064 |
| Cash dividends to net income (ytd only)* | 363.6364% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 2,161 |
| Loan loss allowance to noncurrent loans | 415.4545% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 2.7248% | 1,115 |
| Noncurrent loans to loans | 0.4233% | 4,871 |
| Net loans and leases to total assets | 39.1046% | 5,870 |
| Net loans and leases to deposits | 45.5724% | 5,880 |
| Net loans and leases to core deposits | 46.5325% | 5,961 |
| Total domestic deposits to total assets | 85.8077% | 3,461 |
| Equity capital to assets | 13.9013% | 954 |
| Core capital (leverage) ratio | 14.3131% | 728 |
| Tier 1 risk-based capital ratio | 22.5094% | 1,210 |
| Total risk-based capital ratio | 23.6280% | 1,213 |
| Memoranda: | ||
| Average total assets | $64,814,500 | 5,598 |
| Average earning assets | $54,903,500 | 5,707 |
| Average equity | $9,140,000 | 5,012 |
| Average total loans | $26,977,000 | 5,856 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 3,286 |
| Cost of funding earning assets | 0.3096% | 5,520 |
| Net interest margin | 3.9060% | 2,262 |
| Noninterest income to average assets | 1.0647% | 1,244 |
| Noninterest expense to average assets | 3.6546% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7093% | 3,754 |
| Return on assets (ROA) | 0.7093% | 3,834 |
| Pretax return on assets | 0.7093% | 4,508 |
| Return on Equity (ROE) | 5.0589% | 4,597 |
| Retained earnings to average equity (ytd only) | 5.0589% | 2,551 |
| Net charge-offs to loans | -0.1838% | 6,604 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7460% | 1,658 |
| Assets per employee ($millions) | 3.5744% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 2,407 |
| Loan loss allowance to noncurrent loans | 231.7073% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 3.2406% | 942 |
| Noncurrent loans to loans | 0.7330% | 4,124 |
| Net loans and leases to total assets | 42.7277% | 5,774 |
| Net loans and leases to deposits | 50.1963% | 5,754 |
| Net loans and leases to core deposits | 51.2758% | 5,855 |
| Total domestic deposits to total assets | 85.1212% | 3,680 |
| Equity capital to assets | 14.3053% | 826 |
| Core capital (leverage) ratio | 14.7780% | 635 |
| Tier 1 risk-based capital ratio | 22.6515% | 1,153 |
| Total risk-based capital ratio | 23.7858% | 1,148 |
| Memoranda: | ||
| Average total assets | $63,865,000 | 5,653 |
| Average earning assets | $53,942,200 | 5,767 |
| Average equity | $8,954,600 | 5,090 |
| Average total loans | $28,838,200 | 5,814 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 3,109 |
| Cost of funding earning assets | 0.3220% | 5,531 |
| Net interest margin | 3.9485% | 2,120 |
| Noninterest income to average assets | 1.0688% | 1,283 |
| Noninterest expense to average assets | 3.5682% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8345% | 3,168 |
| Return on assets (ROA) | 0.8345% | 3,298 |
| Pretax return on assets | 0.8345% | 4,170 |
| Return on Equity (ROE) | 5.9826% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.9826% | 2,423 |
| Net charge-offs to loans | -0.0459% | 6,283 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0451% | 1,964 |
| Assets per employee ($millions) | 3.3339% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 3,255 |
| Loan loss allowance to noncurrent loans | 1,542.8571% | 329 |
| Noncurrent assets plus other real estate owned to assets | 3.1668% | 1,139 |
| Noncurrent loans to loans | 0.1001% | 6,035 |
| Net loans and leases to total assets | 43.4658% | 5,775 |
| Net loans and leases to deposits | 51.1414% | 5,767 |
| Net loans and leases to core deposits | 52.2716% | 5,875 |
| Total domestic deposits to total assets | 84.9915% | 3,754 |
| Equity capital to assets | 14.5539% | 809 |
| Core capital (leverage) ratio | 14.9244% | 655 |
| Tier 1 risk-based capital ratio | 22.4633% | 1,232 |
| Total risk-based capital ratio | 23.4923% | 1,251 |
| Memoranda: | ||
| Average total assets | $63,746,250 | 5,717 |
| Average earning assets | $53,824,500 | 5,832 |
| Average equity | $8,892,250 | 5,165 |
| Average total loans | $29,056,250 | 5,863 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 2,832 |
| Cost of funding earning assets | 0.3339% | 5,533 |
| Net interest margin | 3.9956% | 1,870 |
| Noninterest income to average assets | 1.0269% | 1,445 |
| Noninterest expense to average assets | 3.7977% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6011% | 4,272 |
| Return on assets (ROA) | 0.6011% | 4,451 |
| Pretax return on assets | 0.6011% | 5,006 |
| Return on Equity (ROE) | 4.3719% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.3719% | 3,492 |
| Net charge-offs to loans | -0.1224% | 6,555 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3345% | 1,384 |
| Assets per employee ($millions) | 3.1624% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 3,621 |
| Loan loss allowance to noncurrent loans | 814.8148% | 555 |
| Noncurrent assets plus other real estate owned to assets | 2.8776% | 1,426 |
| Noncurrent loans to loans | 0.1832% | 5,856 |
| Net loans and leases to total assets | 45.9177% | 5,542 |
| Net loans and leases to deposits | 53.7914% | 5,539 |
| Net loans and leases to core deposits | 54.9736% | 5,674 |
| Total domestic deposits to total assets | 85.3624% | 3,718 |
| Equity capital to assets | 13.9941% | 973 |
| Core capital (leverage) ratio | 14.5043% | 699 |
| Tier 1 risk-based capital ratio | 21.1069% | 1,467 |
| Total risk-based capital ratio | 22.1137% | 1,496 |
| Memoranda: | ||
| Average total assets | $63,880,330 | 5,751 |
| Average earning assets | $53,909,670 | 5,864 |
| Average equity | $8,783,330 | 5,225 |
| Average total loans | $29,420,000 | 5,872 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 2,638 |
| Cost of funding earning assets | 0.3398% | 5,639 |
| Net interest margin | 4.0259% | 1,691 |
| Noninterest income to average assets | 1.0281% | 1,403 |
| Noninterest expense to average assets | 3.9628% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4611% | 4,867 |
| Return on assets (ROA) | 0.4611% | 5,029 |
| Pretax return on assets | 0.4611% | 5,387 |
| Return on Equity (ROE) | 3.3831% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.3831% | 4,225 |
| Net charge-offs to loans | -0.2450% | 6,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5775% | 1,180 |
| Assets per employee ($millions) | 3.2502% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 3,887 |
| Loan loss allowance to noncurrent loans | 698.4127% | 639 |
| Noncurrent assets plus other real estate owned to assets | 2.6830% | 1,692 |
| Noncurrent loans to loans | 0.2126% | 5,879 |
| Net loans and leases to total assets | 44.9118% | 5,563 |
| Net loans and leases to deposits | 52.1191% | 5,605 |
| Net loans and leases to core deposits | 53.2184% | 5,730 |
| Total domestic deposits to total assets | 86.1714% | 3,438 |
| Equity capital to assets | 13.5009% | 1,210 |
| Core capital (leverage) ratio | 14.4519% | 681 |
| Tier 1 risk-based capital ratio | 20.6452% | 1,627 |
| Total risk-based capital ratio | 21.6426% | 1,651 |
| Memoranda: | ||
| Average total assets | $64,196,500 | 5,800 |
| Average earning assets | $54,149,000 | 5,899 |
| Average equity | $8,749,500 | 5,285 |
| Average total loans | $29,389,000 | 5,915 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 3,768 |
| Cost of funding earning assets | 0.4463% | 5,608 |
| Net interest margin | 3.9648% | 2,549 |
| Noninterest income to average assets | 1.0670% | 1,365 |
| Noninterest expense to average assets | 3.8027% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6169% | 4,159 |
| Return on assets (ROA) | 0.6169% | 4,426 |
| Pretax return on assets | 0.6169% | 4,946 |
| Return on Equity (ROE) | 4.8510% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.4672% | 4,500 |
| Net charge-offs to loans | -0.0141% | 6,513 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0425% | 1,429 |
| Assets per employee ($millions) | 3.0186% | 5,985 |
| Cash dividends to net income (ytd only)* | 49.1400% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 3,950 |
| Loan loss allowance to noncurrent loans | 1,172.2222% | 406 |
| Noncurrent assets plus other real estate owned to assets | 2.8585% | 1,672 |
| Noncurrent loans to loans | 0.1235% | 6,170 |
| Net loans and leases to total assets | 45.3100% | 5,688 |
| Net loans and leases to deposits | 53.0700% | 5,732 |
| Net loans and leases to core deposits | 54.2262% | 5,857 |
| Total domestic deposits to total assets | 85.3778% | 3,673 |
| Equity capital to assets | 13.7608% | 1,127 |
| Core capital (leverage) ratio | 14.2941% | 723 |
| Tier 1 risk-based capital ratio | 20.4450% | 1,576 |
| Total risk-based capital ratio | 21.4001% | 1,614 |
| Memoranda: | ||
| Average total assets | $65,980,200 | 5,741 |
| Average earning assets | $55,791,400 | 5,867 |
| Average equity | $8,390,000 | 5,393 |
| Average total loans | $28,455,600 | 6,021 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 3,895 |
| Cost of funding earning assets | 0.4611% | 5,714 |
| Net interest margin | 3.9754% | 2,601 |
| Noninterest income to average assets | 1.0726% | 1,313 |
| Noninterest expense to average assets | 3.8862% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5503% | 4,623 |
| Return on assets (ROA) | 0.5503% | 4,879 |
| Pretax return on assets | 0.5503% | 5,299 |
| Return on Equity (ROE) | 4.4140% | 5,089 |
| Retained earnings to average equity (ytd only) | 4.4140% | 3,786 |
| Net charge-offs to loans | -0.2640% | 7,035 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5959% | 1,239 |
| Assets per employee ($millions) | 3.1428% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 3,010 |
| Loan loss allowance to noncurrent loans | 379.2000% | 993 |
| Noncurrent assets plus other real estate owned to assets | 2.4883% | 2,129 |
| Noncurrent loans to loans | 0.4580% | 5,531 |
| Net loans and leases to total assets | 42.6633% | 6,072 |
| Net loans and leases to deposits | 49.8494% | 6,119 |
| Net loans and leases to core deposits | 51.1883% | 6,228 |
| Total domestic deposits to total assets | 85.5843% | 3,468 |
| Equity capital to assets | 13.5089% | 1,347 |
| Core capital (leverage) ratio | 14.3316% | 744 |
| Tier 1 risk-based capital ratio | 20.1403% | 1,720 |
| Total risk-based capital ratio | 21.1894% | 1,752 |
| Memoranda: | ||
| Average total assets | $66,627,750 | 5,788 |
| Average earning assets | $56,379,250 | 5,922 |
| Average equity | $8,306,750 | 5,474 |
| Average total loans | $28,283,500 | 6,100 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4224% | 4,096 |
| Cost of funding earning assets | 0.4659% | 5,864 |
| Net interest margin | 3.9565% | 2,694 |
| Noninterest income to average assets | 1.0370% | 1,359 |
| Noninterest expense to average assets | 4.0068% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3830% | 5,277 |
| Return on assets (ROA) | 0.3830% | 5,514 |
| Pretax return on assets | 0.3830% | 5,745 |
| Return on Equity (ROE) | 3.1533% | 5,626 |
| Retained earnings to average equity (ytd only) | 3.1533% | 4,522 |
| Net charge-offs to loans | -0.4893% | 7,127 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2752% | 974 |
| Assets per employee ($millions) | 3.1759% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 2,960 |
| Loan loss allowance to noncurrent loans | 48,900.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 2.2970% | 2,437 |
| Noncurrent loans to loans | 0.0036% | 6,715 |
| Net loans and leases to total assets | 42.7721% | 6,123 |
| Net loans and leases to deposits | 49.7291% | 6,198 |
| Net loans and leases to core deposits | 51.0389% | 6,297 |
| Total domestic deposits to total assets | 86.0103% | 3,350 |
| Equity capital to assets | 13.1238% | 1,461 |
| Core capital (leverage) ratio | 13.8267% | 859 |
| Tier 1 risk-based capital ratio | 19.6870% | 1,789 |
| Total risk-based capital ratio | 20.7619% | 1,814 |
| Memoranda: | ||
| Average total assets | $67,885,330 | 5,786 |
| Average earning assets | $57,525,330 | 5,922 |
| Average equity | $8,245,330 | 5,501 |
| Average total loans | $28,614,670 | 6,129 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 4,595 |
| Cost of funding earning assets | 0.4763% | 5,972 |
| Net interest margin | 3.8573% | 3,107 |
| Noninterest income to average assets | 1.0618% | 1,280 |
| Noninterest expense to average assets | 4.1445% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1998% | 5,988 |
| Return on assets (ROA) | 0.1998% | 6,133 |
| Pretax return on assets | 0.1998% | 6,206 |
| Return on Equity (ROE) | 1.7073% | 6,155 |
| Retained earnings to average equity (ytd only) | 1.7073% | 5,376 |
| Net charge-offs to loans | -0.4812% | 7,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4008% | 748 |
| Assets per employee ($millions) | 2.9393% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 3,893 |
| Loan loss allowance to noncurrent loans | 5,055.5556% | 105 |
| Noncurrent assets plus other real estate owned to assets | 2.2733% | 2,621 |
| Noncurrent loans to loans | 0.0308% | 6,690 |
| Net loans and leases to total assets | 44.4166% | 5,966 |
| Net loans and leases to deposits | 51.4491% | 6,034 |
| Net loans and leases to core deposits | 52.7706% | 6,146 |
| Total domestic deposits to total assets | 86.3311% | 3,341 |
| Equity capital to assets | 12.7457% | 1,574 |
| Core capital (leverage) ratio | 13.6664% | 889 |
| Tier 1 risk-based capital ratio | 18.7356% | 2,071 |
| Total risk-based capital ratio | 19.6976% | 2,130 |
| Memoranda: | ||
| Average total assets | $70,069,000 | 5,777 |
| Average earning assets | $59,627,500 | 5,889 |
| Average equity | $8,200,000 | 5,531 |
| Average total loans | $29,093,500 | 6,160 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 5,644 |
| Cost of funding earning assets | 0.8120% | 4,776 |
| Net interest margin | 3.5237% | 5,051 |
| Noninterest income to average assets | 1.0320% | 1,282 |
| Noninterest expense to average assets | 3.6605% | 1,611 |
| Loan and lease loss provision to assets | -0.3730% | 7,325 |
| Net operating income to assets | 0.7901% | 3,079 |
| Return on assets (ROA) | 0.3553% | 5,215 |
| Pretax return on assets | 0.3553% | 5,416 |
| Return on Equity (ROE) | 3.5114% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.5114% | 3,721 |
| Net charge-offs to loans | 0.0417% | 5,896 |
| Credit loss provision to net charge-offs | -2,276.9231% | 6,910 |
| Earnings coverage of net charge-offs (x) | 25.4615% | 972 |
| Efficiency ratio | 89.7713% | 1,212 |
| Assets per employee ($millions) | 3.4306% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0974% | 2,849 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 37.8837% | 6,650 |
| Net loans and leases to deposits | 42.8223% | 6,773 |
| Net loans and leases to core deposits | 43.5402% | 6,830 |
| Total domestic deposits to total assets | 88.4674% | 1,870 |
| Equity capital to assets | 10.8092% | 3,184 |
| Core capital (leverage) ratio | 11.5814% | 1,828 |
| Tier 1 risk-based capital ratio | 17.7665% | 2,272 |
| Total risk-based capital ratio | 18.6081% | 2,403 |
| Memoranda: | ||
| Average total assets | $79,360,200 | 5,470 |
| Average earning assets | $68,593,600 | 5,586 |
| Average equity | $8,031,000 | 5,561 |
| Average total loans | $31,191,400 | 6,114 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 5,626 |
| Cost of funding earning assets | 0.8558% | 4,730 |
| Net interest margin | 3.5382% | 5,030 |
| Noninterest income to average assets | 1.0456% | 1,230 |
| Noninterest expense to average assets | 3.7344% | 1,426 |
| Loan and lease loss provision to assets | -0.4913% | 7,409 |
| Net operating income to assets | 0.8631% | 2,898 |
| Return on assets (ROA) | 0.2905% | 5,601 |
| Pretax return on assets | 0.2905% | 5,721 |
| Return on Equity (ROE) | 2.9169% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.9169% | 4,612 |
| Net charge-offs to loans | 0.0840% | 5,134 |
| Credit loss provision to net charge-offs | -1,480.0000% | 6,800 |
| Earnings coverage of net charge-offs (x) | 11.1984% | 1,833 |
| Efficiency ratio | 90.9458% | 1,113 |
| Assets per employee ($millions) | 3.3503% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 4,473 |
| Loan loss allowance to noncurrent loans | 6,850.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 3.2054% | 1,991 |
| Noncurrent loans to loans | 0.0207% | 6,888 |
| Net loans and leases to total assets | 37.0630% | 6,821 |
| Net loans and leases to deposits | 41.7166% | 6,922 |
| Net loans and leases to core deposits | 42.5970% | 6,966 |
| Total domestic deposits to total assets | 88.8448% | 1,522 |
| Equity capital to assets | 10.4415% | 3,779 |
| Core capital (leverage) ratio | 10.9734% | 2,411 |
| Tier 1 risk-based capital ratio | 17.3682% | 2,500 |
| Total risk-based capital ratio | 18.1869% | 2,636 |
| Memoranda: | ||
| Average total assets | $80,332,000 | 5,493 |
| Average earning assets | $69,488,250 | 5,598 |
| Average equity | $7,999,250 | 5,602 |
| Average total loans | $31,736,750 | 6,154 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 5,562 |
| Cost of funding earning assets | 0.8891% | 4,760 |
| Net interest margin | 3.5481% | 4,928 |
| Noninterest income to average assets | 1.0808% | 1,111 |
| Noninterest expense to average assets | 3.6476% | 1,630 |
| Loan and lease loss provision to assets | -0.7688% | 7,493 |
| Net operating income to assets | 1.2896% | 1,349 |
| Return on assets (ROA) | 0.5207% | 4,554 |
| Pretax return on assets | 0.5207% | 4,991 |
| Return on Equity (ROE) | 5.3108% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.3108% | 2,802 |
| Net charge-offs to loans | 0.2817% | 3,473 |
| Credit loss provision to net charge-offs | -680.4348% | 6,539 |
| Earnings coverage of net charge-offs (x) | 4.6087% | 2,817 |
| Efficiency ratio | 87.5074% | 1,459 |
| Assets per employee ($millions) | 3.5209% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 5,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6216% | 2,540 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 38.0835% | 6,856 |
| Net loans and leases to deposits | 42.9443% | 6,958 |
| Net loans and leases to core deposits | 44.1397% | 6,999 |
| Total domestic deposits to total assets | 88.6812% | 1,732 |
| Equity capital to assets | 10.6570% | 3,326 |
| Core capital (leverage) ratio | 10.6252% | 2,592 |
| Tier 1 risk-based capital ratio | 20.7395% | 1,468 |
| Total risk-based capital ratio | 21.6088% | 1,510 |
| Memoranda: | ||
| Average total assets | $81,423,330 | 5,508 |
| Average earning assets | $70,855,000 | 5,601 |
| Average equity | $7,983,670 | 5,614 |
| Average total loans | $32,658,670 | 6,155 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 5,360 |
| Cost of funding earning assets | 0.9223% | 4,764 |
| Net interest margin | 3.5710% | 4,714 |
| Noninterest income to average assets | 1.1464% | 994 |
| Noninterest expense to average assets | 3.8361% | 1,280 |
| Loan and lease loss provision to assets | -1.3326% | 7,561 |
| Net operating income to assets | 1.7539% | 533 |
| Return on assets (ROA) | 0.4213% | 4,937 |
| Pretax return on assets | 0.4213% | 5,276 |
| Return on Equity (ROE) | 4.4906% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.4906% | 3,479 |
| Net charge-offs to loans | 0.1797% | 3,413 |
| Credit loss provision to net charge-offs | -1,813.3333% | 6,229 |
| Earnings coverage of net charge-offs (x) | 5.7333% | 2,218 |
| Efficiency ratio | 90.1036% | 1,325 |
| Assets per employee ($millions) | 3.9460% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,491 |
| Loan loss allowance to noncurrent loans | 1,477.7778% | 278 |
| Noncurrent assets plus other real estate owned to assets | 2.2699% | 2,979 |
| Noncurrent loans to loans | 0.0831% | 6,834 |
| Net loans and leases to total assets | 38.7312% | 6,861 |
| Net loans and leases to deposits | 43.0563% | 6,986 |
| Net loans and leases to core deposits | 44.0454% | 7,037 |
| Total domestic deposits to total assets | 89.9549% | 1,173 |
| Equity capital to assets | 9.4019% | 4,569 |
| Core capital (leverage) ratio | 10.2754% | 2,834 |
| Tier 1 risk-based capital ratio | 18.1841% | 2,058 |
| Total risk-based capital ratio | 19.0248% | 2,157 |
| Memoranda: | ||
| Average total assets | $81,645,000 | 5,537 |
| Average earning assets | $71,129,000 | 5,627 |
| Average equity | $7,660,500 | 5,721 |
| Average total loans | $33,384,500 | 6,161 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 3,322 |
| Cost of funding earning assets | 1.0985% | 5,141 |
| Net interest margin | 4.1596% | 2,328 |
| Noninterest income to average assets | 1.0364% | 1,399 |
| Noninterest expense to average assets | 3.9063% | 1,309 |
| Loan and lease loss provision to assets | -0.4165% | 7,643 |
| Net operating income to assets | 1.1517% | 1,540 |
| Return on assets (ROA) | 0.7351% | 3,197 |
| Pretax return on assets | 0.7351% | 3,848 |
| Return on Equity (ROE) | 8.2538% | 2,602 |
| Retained earnings to average equity (ytd only) | 5.7484% | 1,965 |
| Net charge-offs to loans | 0.9897% | 2,205 |
| Credit loss provision to net charge-offs | -95.4545% | 7,028 |
| Earnings coverage of net charge-offs (x) | 1.6847% | 4,469 |
| Efficiency ratio | 84.1613% | 1,898 |
| Assets per employee ($millions) | 3.8297% | 4,180 |
| Cash dividends to net income (ytd only)* | 30.3541% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 2,310 |
| Loan loss allowance to noncurrent loans | 1,902.7778% | 221 |
| Noncurrent assets plus other real estate owned to assets | 2.4532% | 2,821 |
| Noncurrent loans to loans | 0.1050% | 6,878 |
| Net loans and leases to total assets | 41.7661% | 6,858 |
| Net loans and leases to deposits | 46.4791% | 7,022 |
| Net loans and leases to core deposits | 47.5752% | 7,092 |
| Total domestic deposits to total assets | 89.8600% | 1,184 |
| Equity capital to assets | 9.3629% | 4,597 |
| Core capital (leverage) ratio | 10.3531% | 2,713 |
| Tier 1 risk-based capital ratio | 17.0298% | 2,338 |
| Total risk-based capital ratio | 18.1680% | 2,345 |
| Memoranda: | ||
| Average total assets | $80,665,600 | 5,576 |
| Average earning assets | $69,910,800 | 5,673 |
| Average equity | $7,184,600 | 5,969 |
| Average total loans | $35,564,800 | 6,135 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3602% | 3,078 |
| Cost of funding earning assets | 1.1278% | 5,265 |
| Net interest margin | 4.2324% | 2,101 |
| Noninterest income to average assets | 1.1396% | 1,079 |
| Noninterest expense to average assets | 3.9325% | 1,154 |
| Loan and lease loss provision to assets | -0.4575% | 7,747 |
| Net operating income to assets | 1.3279% | 1,291 |
| Return on assets (ROA) | 0.8704% | 2,866 |
| Pretax return on assets | 0.8704% | 3,663 |
| Return on Equity (ROE) | 9.8989% | 2,162 |
| Retained earnings to average equity (ytd only) | 6.5179% | 2,081 |
| Net charge-offs to loans | 0.9028% | 2,193 |
| Credit loss provision to net charge-offs | -113.9918% | 6,914 |
| Earnings coverage of net charge-offs (x) | 2.1687% | 4,100 |
| Efficiency ratio | 81.8776% | 2,074 |
| Assets per employee ($millions) | 3.9177% | 3,999 |
| Cash dividends to net income (ytd only)* | 34.1550% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3731% | 1,510 |
| Loan loss allowance to noncurrent loans | 289.1525% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 2.3374% | 3,041 |
| Noncurrent loans to loans | 0.8207% | 5,576 |
| Net loans and leases to total assets | 42.6542% | 6,933 |
| Net loans and leases to deposits | 47.3864% | 7,110 |
| Net loans and leases to core deposits | 48.4582% | 7,185 |
| Total domestic deposits to total assets | 90.0135% | 874 |
| Equity capital to assets | 9.2122% | 5,295 |
| Core capital (leverage) ratio | 10.1924% | 3,049 |
| Tier 1 risk-based capital ratio | 17.2101% | 2,274 |
| Total risk-based capital ratio | 18.4668% | 2,235 |
| Memoranda: | ||
| Average total assets | $80,726,000 | 5,645 |
| Average earning assets | $69,871,500 | 5,739 |
| Average equity | $7,098,250 | 6,078 |
| Average total loans | $35,887,250 | 6,209 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 2,737 |
| Cost of funding earning assets | 1.1506% | 5,399 |
| Net interest margin | 4.3016% | 1,778 |
| Noninterest income to average assets | 1.1744% | 930 |
| Noninterest expense to average assets | 4.0468% | 989 |
| Loan and lease loss provision to assets | -0.3591% | 7,800 |
| Net operating income to assets | 1.1968% | 1,569 |
| Return on assets (ROA) | 0.8378% | 2,947 |
| Pretax return on assets | 0.8378% | 3,746 |
| Return on Equity (ROE) | 9.6858% | 2,215 |
| Retained earnings to average equity (ytd only) | 6.2266% | 2,213 |
| Net charge-offs to loans | 1.4275% | 1,338 |
| Credit loss provision to net charge-offs | -56.2500% | 6,641 |
| Earnings coverage of net charge-offs (x) | 1.3125% | 4,515 |
| Efficiency ratio | 82.8484% | 2,062 |
| Assets per employee ($millions) | 3.0833% | 5,968 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6770% | 1,114 |
| Loan loss allowance to noncurrent loans | 369.9620% | 808 |
| Noncurrent assets plus other real estate owned to assets | 3.7634% | 1,858 |
| Noncurrent loans to loans | 0.7236% | 5,807 |
| Net loans and leases to total assets | 42.4901% | 7,006 |
| Net loans and leases to deposits | 47.2200% | 7,198 |
| Net loans and leases to core deposits | 48.2690% | 7,273 |
| Total domestic deposits to total assets | 89.9832% | 924 |
| Equity capital to assets | 9.2853% | 5,025 |
| Core capital (leverage) ratio | 10.4585% | 2,659 |
| Tier 1 risk-based capital ratio | 17.3752% | 2,142 |
| Total risk-based capital ratio | 17.6833% | 2,446 |
| Memoranda: | ||
| Average total assets | $80,211,000 | 5,695 |
| Average earning assets | $69,183,670 | 5,798 |
| Average equity | $6,938,000 | 6,161 |
| Average total loans | $35,868,000 | 6,250 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6351% | 2,007 |
| Cost of funding earning assets | 1.2338% | 5,212 |
| Net interest margin | 4.4013% | 1,387 |
| Noninterest income to average assets | 1.1793% | 878 |
| Noninterest expense to average assets | 4.1783% | 830 |
| Loan and lease loss provision to assets | -0.4016% | 7,894 |
| Net operating income to assets | 1.1742% | 1,604 |
| Return on assets (ROA) | 0.7726% | 3,203 |
| Pretax return on assets | 0.7726% | 3,981 |
| Return on Equity (ROE) | 9.2938% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.2938% | 1,321 |
| Net charge-offs to loans | 3.0088% | 515 |
| Credit loss provision to net charge-offs | -29.4776% | 5,984 |
| Earnings coverage of net charge-offs (x) | 0.5672% | 4,523 |
| Efficiency ratio | 84.3943% | 1,985 |
| Assets per employee ($millions) | 2.9119% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9098% | 889 |
| Loan loss allowance to noncurrent loans | 313.7615% | 959 |
| Noncurrent assets plus other real estate owned to assets | 2.3364% | 3,109 |
| Noncurrent loans to loans | 0.9274% | 5,464 |
| Net loans and leases to total assets | 41.9874% | 7,130 |
| Net loans and leases to deposits | 46.6638% | 7,297 |
| Net loans and leases to core deposits | 48.2074% | 7,352 |
| Total domestic deposits to total assets | 89.9784% | 996 |
| Equity capital to assets | 9.5200% | 4,504 |
| Core capital (leverage) ratio | 10.1320% | 3,004 |
| Tier 1 risk-based capital ratio | 18.5888% | 1,815 |
| Total risk-based capital ratio | 19.8434% | 1,780 |
| Memoranda: | ||
| Average total assets | $78,691,500 | 5,803 |
| Average earning assets | $67,434,500 | 5,920 |
| Average equity | $6,542,000 | 6,335 |
| Average total loans | $35,629,000 | 6,332 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4143% | 806 |
| Cost of funding earning assets | 2.0255% | 2,843 |
| Net interest margin | 4.3888% | 1,469 |
| Noninterest income to average assets | 1.2880% | 909 |
| Noninterest expense to average assets | 4.4522% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6162% | 3,273 |
| Return on assets (ROA) | 0.4960% | 3,843 |
| Pretax return on assets | 0.4960% | 4,196 |
| Return on Equity (ROE) | 7.4116% | 2,613 |
| Retained earnings to average equity (ytd only) | 0.9075% | 4,387 |
| Net charge-offs to loans | -0.5783% | 7,952 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8432% | 1,894 |
| Assets per employee ($millions) | 2.6155% | 7,014 |
| Cash dividends to net income (ytd only)* | 87.7551% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8141% | 402 |
| Loan loss allowance to noncurrent loans | 344.1103% | 943 |
| Noncurrent assets plus other real estate owned to assets | 1.5940% | 3,985 |
| Noncurrent loans to loans | 1.1084% | 5,111 |
| Net loans and leases to total assets | 45.6499% | 7,013 |
| Net loans and leases to deposits | 49.3627% | 7,292 |
| Net loans and leases to core deposits | 57.5405% | 7,354 |
| Total domestic deposits to total assets | 92.4785% | 184 |
| Equity capital to assets | 7.0166% | 7,362 |
| Core capital (leverage) ratio | 10.2322% | 2,846 |
| Tier 1 risk-based capital ratio | 18.2117% | 1,839 |
| Total risk-based capital ratio | 19.4705% | 1,787 |
| Memoranda: | ||
| Average total assets | $79,038,800 | 5,755 |
| Average earning assets | $68,082,000 | 5,867 |
| Average equity | $5,289,000 | 6,838 |
| Average total loans | $36,486,000 | 6,281 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5263% | 712 |
| Cost of funding earning assets | 2.0846% | 2,962 |
| Net interest margin | 4.4417% | 1,336 |
| Noninterest income to average assets | 1.3110% | 899 |
| Noninterest expense to average assets | 4.3638% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7866% | 2,870 |
| Return on assets (ROA) | 0.6714% | 3,370 |
| Pretax return on assets | 0.6714% | 3,955 |
| Return on Equity (ROE) | 10.1499% | 1,864 |
| Retained earnings to average equity (ytd only) | 1.4644% | 4,494 |
| Net charge-offs to loans | -0.8122% | 8,034 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7276% | 2,219 |
| Assets per employee ($millions) | 2.5655% | 7,118 |
| Cash dividends to net income (ytd only)* | 85.5725% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8863% | 319 |
| Loan loss allowance to noncurrent loans | 211.0448% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 1.2876% | 4,501 |
| Noncurrent loans to loans | 1.8415% | 3,852 |
| Net loans and leases to total assets | 45.4362% | 7,144 |
| Net loans and leases to deposits | 49.2251% | 7,446 |
| Net loans and leases to core deposits | 57.3683% | 7,493 |
| Total domestic deposits to total assets | 92.3030% | 142 |
| Equity capital to assets | 6.9824% | 7,603 |
| Core capital (leverage) ratio | 9.9788% | 3,312 |
| Tier 1 risk-based capital ratio | 14.3317% | 3,364 |
| Total risk-based capital ratio | 15.3265% | 3,444 |
| Memoranda: | ||
| Average total assets | $79,836,250 | 5,770 |
| Average earning assets | $69,011,500 | 5,883 |
| Average equity | $5,280,750 | 6,910 |
| Average total loans | $36,608,000 | 6,308 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5742% | 693 |
| Cost of funding earning assets | 2.1017% | 3,258 |
| Net interest margin | 4.4725% | 1,241 |
| Noninterest income to average assets | 1.3046% | 901 |
| Noninterest expense to average assets | 4.3617% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8095% | 2,819 |
| Return on assets (ROA) | 0.7080% | 3,324 |
| Pretax return on assets | 0.7080% | 3,968 |
| Return on Equity (ROE) | 10.8959% | 1,730 |
| Retained earnings to average equity (ytd only) | 0.4572% | 5,032 |
| Net charge-offs to loans | -1.3630% | 8,131 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3466% | 2,437 |
| Assets per employee ($millions) | 2.6769% | 6,883 |
| Cash dividends to net income (ytd only)* | 95.8042% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9344% | 275 |
| Loan loss allowance to noncurrent loans | 1,322.0183% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 6,200 |
| Noncurrent loans to loans | 0.2976% | 6,768 |
| Net loans and leases to total assets | 43.8137% | 7,344 |
| Net loans and leases to deposits | 47.1820% | 7,587 |
| Net loans and leases to core deposits | 54.9431% | 7,633 |
| Total domestic deposits to total assets | 92.8611% | 106 |
| Equity capital to assets | 6.4802% | 7,825 |
| Core capital (leverage) ratio | 9.6317% | 3,726 |
| Tier 1 risk-based capital ratio | 13.9650% | 3,543 |
| Total risk-based capital ratio | 14.9589% | 3,613 |
| Memoranda: | ||
| Average total assets | $80,793,330 | 5,771 |
| Average earning assets | $69,848,330 | 5,894 |
| Average equity | $5,249,670 | 6,982 |
| Average total loans | $36,682,670 | 6,360 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7552% | 521 |
| Cost of funding earning assets | 2.0750% | 3,770 |
| Net interest margin | 4.6802% | 801 |
| Noninterest income to average assets | 1.2784% | 878 |
| Noninterest expense to average assets | 4.6497% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6812% | 3,656 |
| Return on assets (ROA) | 0.6812% | 3,841 |
| Pretax return on assets | 0.6812% | 4,495 |
| Return on Equity (ROE) | 10.4694% | 2,144 |
| Retained earnings to average equity (ytd only) | 0.9862% | 5,250 |
| Net charge-offs to loans | -0.8826% | 8,150 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2222% | 1,957 |
| Assets per employee ($millions) | 2.7515% | 6,766 |
| Cash dividends to net income (ytd only)* | 90.5797% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4982% | 320 |
| Loan loss allowance to noncurrent loans | 11,563.6364% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 6,057 |
| Noncurrent loans to loans | 0.0303% | 7,465 |
| Net loans and leases to total assets | 42.5096% | 7,437 |
| Net loans and leases to deposits | 45.6978% | 7,676 |
| Net loans and leases to core deposits | 52.8998% | 7,702 |
| Total domestic deposits to total assets | 93.0233% | 82 |
| Equity capital to assets | 6.4001% | 7,904 |
| Core capital (leverage) ratio | 9.4929% | 3,998 |
| Tier 1 risk-based capital ratio | 12.0065% | 4,961 |
| Total risk-based capital ratio | 12.9409% | 5,134 |
| Memoranda: | ||
| Average total assets | $81,037,000 | 5,780 |
| Average earning assets | $70,168,500 | 5,907 |
| Average equity | $5,272,500 | 7,023 |
| Average total loans | $36,711,000 | 6,400 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2412% | 673 |
| Cost of funding earning assets | 2.5022% | 4,197 |
| Net interest margin | 4.7390% | 888 |
| Noninterest income to average assets | 1.2049% | 1,024 |
| Noninterest expense to average assets | 4.4507% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8847% | 3,066 |
| Return on assets (ROA) | 0.8847% | 2,909 |
| Pretax return on assets | 0.8847% | 3,775 |
| Return on Equity (ROE) | 10.7036% | 2,008 |
| Retained earnings to average equity (ytd only) | 6.9301% | 1,175 |
| Net charge-offs to loans | 0.0519% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 37.3000% | 991 |
| Efficiency ratio | 83.4185% | 2,123 |
| Assets per employee ($millions) | 2.4853% | 7,224 |
| Cash dividends to net income (ytd only)* | 35.2547% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2137% | 362 |
| Loan loss allowance to noncurrent loans | 1,860.9375% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 5,728 |
| Noncurrent loans to loans | 0.1727% | 6,871 |
| Net loans and leases to total assets | 45.1024% | 7,400 |
| Net loans and leases to deposits | 48.5477% | 7,689 |
| Net loans and leases to core deposits | 56.2113% | 7,736 |
| Total domestic deposits to total assets | 92.9031% | 61 |
| Equity capital to assets | 6.6165% | 7,897 |
| Core capital (leverage) ratio | 9.7304% | 3,730 |
| Tier 1 risk-based capital ratio | 16.3796% | 2,525 |
| Total risk-based capital ratio | 17.6442% | 2,461 |
| Memoranda: | ||
| Average total assets | $84,323,400 | 5,548 |
| Average earning assets | $73,495,800 | 5,688 |
| Average equity | $6,969,600 | 6,466 |
| Average total loans | $38,534,600 | 6,241 |