Home > Riverwind Bank > Performance and Condition Ratios
Riverwind Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 2,048 |
| Cost of funding earning assets | 1.7357% | 1,378 |
| Net interest margin | 3.2763% | 2,691 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.9902% | 1,136 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.3035% | 4,023 |
| Return on assets (ROA) | 0.3035% | 4,020 |
| Pretax return on assets | 0.3154% | 4,076 |
| Return on Equity (ROE) | 5.6600% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.5568% | 2,769 |
| Net charge-offs to loans | 0.1291% | 763 |
| Credit loss provision to net charge-offs | 14.2857% | 2,330 |
| Earnings coverage of net charge-offs (x) | 4.5333% | 2,580 |
| Efficiency ratio | 89.4574% | 428 |
| Assets per employee ($millions) | 3.9964% | 4,160 |
| Cash dividends to net income (ytd only)* | 19.5122% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 1,544 |
| Loan loss allowance to noncurrent loans | 683.3333% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 2,685 |
| Noncurrent loans to loans | 0.1990% | 2,516 |
| Net loans and leases to total assets | 63.1300% | 2,557 |
| Net loans and leases to deposits | 69.2444% | 2,933 |
| Net loans and leases to core deposits | 76.6397% | 2,934 |
| Total domestic deposits to total assets | 91.1700% | 459 |
| Equity capital to assets | 6.0881% | 4,218 |
| Core capital (leverage) ratio | 10.1069% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $135,076,200 | 3,503 |
| Average earning assets | $121,965,800 | 3,524 |
| Average equity | $7,242,000 | 4,018 |
| Average total loans | $81,353,800 | 3,389 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 2,082 |
| Cost of funding earning assets | 1.6162% | 1,342 |
| Net interest margin | 3.2737% | 2,746 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.8329% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4053% | 3,960 |
| Return on assets (ROA) | 0.4053% | 3,949 |
| Pretax return on assets | 0.4906% | 3,916 |
| Return on Equity (ROE) | 7.8200% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.8159% | 2,033 |
| Net charge-offs to loans | 0.1340% | 603 |
| Credit loss provision to net charge-offs | -43.2099% | 4,499 |
| Earnings coverage of net charge-offs (x) | 6.1728% | 2,307 |
| Efficiency ratio | 85.2377% | 551 |
| Assets per employee ($millions) | 3.9995% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,685 |
| Loan loss allowance to noncurrent loans | 489.9563% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,424 |
| Noncurrent loans to loans | 0.2740% | 2,258 |
| Net loans and leases to total assets | 62.4700% | 2,605 |
| Net loans and leases to deposits | 67.3766% | 3,020 |
| Net loans and leases to core deposits | 74.0331% | 2,996 |
| Total domestic deposits to total assets | 92.7100% | 352 |
| Equity capital to assets | 4.6309% | 4,314 |
| Core capital (leverage) ratio | 10.0229% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $135,875,000 | 3,502 |
| Average earning assets | $122,510,000 | 3,526 |
| Average equity | $7,045,250 | 4,042 |
| Average total loans | $80,591,250 | 3,407 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 2,198 |
| Cost of funding earning assets | 1.4836% | 1,274 |
| Net interest margin | 3.2203% | 2,936 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.7936% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3966% | 4,008 |
| Return on assets (ROA) | 0.3966% | 4,018 |
| Pretax return on assets | 0.4870% | 3,990 |
| Return on Equity (ROE) | 7.3900% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.3950% | 2,165 |
| Net charge-offs to loans | 0.0050% | 2,089 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,636 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 696 |
| Efficiency ratio | 85.1556% | 536 |
| Assets per employee ($millions) | 4.2939% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,264 |
| Loan loss allowance to noncurrent loans | 588.2353% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,509 |
| Noncurrent loans to loans | 0.2506% | 2,261 |
| Net loans and leases to total assets | 58.3800% | 2,928 |
| Net loans and leases to deposits | 63.3501% | 3,234 |
| Net loans and leases to core deposits | 70.0486% | 3,129 |
| Total domestic deposits to total assets | 92.1600% | 381 |
| Equity capital to assets | 5.3469% | 4,319 |
| Core capital (leverage) ratio | 9.7311% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $137,172,667 | 3,497 |
| Average earning assets | $124,025,000 | 3,517 |
| Average equity | $7,356,333 | 4,031 |
| Average total loans | $79,599,667 | 3,422 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 2,097 |
| Cost of funding earning assets | 1.3006% | 1,229 |
| Net interest margin | 3.2936% | 2,894 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.8164% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4290% | 4,037 |
| Return on assets (ROA) | 0.4290% | 3,986 |
| Pretax return on assets | 0.5195% | 3,966 |
| Return on Equity (ROE) | 7.9900% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.9880% | 2,221 |
| Net charge-offs to loans | 0.0254% | 1,180 |
| Credit loss provision to net charge-offs | -700.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 1,232 |
| Efficiency ratio | 84.4269% | 571 |
| Assets per employee ($millions) | 4.2889% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,207 |
| Loan loss allowance to noncurrent loans | 721.6867% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 2,660 |
| Noncurrent loans to loans | 0.2102% | 2,423 |
| Net loans and leases to total assets | 56.6700% | 2,989 |
| Net loans and leases to deposits | 63.1130% | 3,160 |
| Net loans and leases to core deposits | 68.5972% | 3,049 |
| Total domestic deposits to total assets | 89.8000% | 1,233 |
| Equity capital to assets | 5.5790% | 4,322 |
| Core capital (leverage) ratio | 9.6546% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $137,056,000 | 3,542 |
| Average earning assets | $123,632,500 | 3,564 |
| Average equity | $7,361,000 | 4,080 |
| Average total loans | $78,690,000 | 3,470 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 1,765 |
| Cost of funding earning assets | 0.5362% | 1,181 |
| Net interest margin | 3.4420% | 2,126 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.9009% | 1,122 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.6205% | 3,830 |
| Return on assets (ROA) | 0.6205% | 3,780 |
| Pretax return on assets | 0.7414% | 3,763 |
| Return on Equity (ROE) | 9.9100% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.4521% | 1,653 |
| Net charge-offs to loans | -0.0117% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.8197% | 1,235 |
| Assets per employee ($millions) | 4.1475% | 4,227 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,012 |
| Loan loss allowance to noncurrent loans | 1,105.3571% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 2,980 |
| Noncurrent loans to loans | 0.1429% | 2,797 |
| Net loans and leases to total assets | 56.3800% | 2,988 |
| Net loans and leases to deposits | 62.4613% | 3,161 |
| Net loans and leases to core deposits | 67.1953% | 3,056 |
| Total domestic deposits to total assets | 90.2600% | 1,257 |
| Equity capital to assets | 5.1620% | 4,323 |
| Core capital (leverage) ratio | 9.8757% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $131,511,800 | 3,619 |
| Average earning assets | $119,350,400 | 3,630 |
| Average equity | $8,234,600 | 4,074 |
| Average total loans | $76,758,200 | 3,459 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 1,602 |
| Cost of funding earning assets | 0.3600% | 1,619 |
| Net interest margin | 3.4940% | 1,680 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.8945% | 1,070 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | 0.6484% | 3,700 |
| Return on assets (ROA) | 0.6484% | 3,656 |
| Pretax return on assets | 0.8819% | 3,374 |
| Return on Equity (ROE) | 9.9000% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.8977% | 1,378 |
| Net charge-offs to loans | -0.0122% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.3861% | 1,713 |
| Assets per employee ($millions) | 4.0139% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 1,251 |
| Loan loss allowance to noncurrent loans | 1,022.4138% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 3,055 |
| Noncurrent loans to loans | 0.1483% | 2,868 |
| Net loans and leases to total assets | 58.1600% | 2,679 |
| Net loans and leases to deposits | 64.0969% | 2,860 |
| Net loans and leases to core deposits | 68.3615% | 2,767 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 4.4263% | 4,413 |
| Core capital (leverage) ratio | 9.9508% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $130,173,250 | 3,657 |
| Average earning assets | $118,522,500 | 3,665 |
| Average equity | $8,527,000 | 4,091 |
| Average total loans | $76,348,000 | 3,479 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 1,459 |
| Cost of funding earning assets | 0.2627% | 2,113 |
| Net interest margin | 3.4711% | 1,391 |
| Noninterest income to average assets | 0.9845% | 694 |
| Noninterest expense to average assets | 2.7617% | 1,248 |
| Loan and lease loss provision to assets | 0.4760% | 112 |
| Net operating income to assets | 0.6445% | 3,494 |
| Return on assets (ROA) | 0.6445% | 3,443 |
| Pretax return on assets | 0.9118% | 3,018 |
| Return on Equity (ROE) | 8.8582% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.8582% | 1,327 |
| Net charge-offs to loans | -0.0079% | 3,504 |
| Credit loss provision to net charge-offs | -10,266.6667% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5549% | 2,434 |
| Assets per employee ($millions) | 3.9182% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,323 |
| Loan loss allowance to noncurrent loans | 704.2424% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 2,814 |
| Noncurrent loans to loans | 0.2176% | 2,632 |
| Net loans and leases to total assets | 57.7564% | 2,557 |
| Net loans and leases to deposits | 64.3258% | 2,689 |
| Net loans and leases to core deposits | 68.6590% | 2,592 |
| Total domestic deposits to total assets | 89.7873% | 1,803 |
| Equity capital to assets | 5.4138% | 4,391 |
| Core capital (leverage) ratio | 9.7334% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,411,333 | 3,706 |
| Average earning assets | $118,002,333 | 3,724 |
| Average equity | $9,415,000 | 4,056 |
| Average total loans | $75,722,000 | 3,520 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5317% | 1,696 |
| Cost of funding earning assets | 0.2296% | 2,403 |
| Net interest margin | 3.3021% | 1,560 |
| Noninterest income to average assets | 0.3368% | 3,074 |
| Noninterest expense to average assets | 2.5366% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6457% | 3,244 |
| Return on assets (ROA) | 0.6457% | 3,225 |
| Pretax return on assets | 0.8218% | 3,039 |
| Return on Equity (ROE) | 7.8701% | 2,731 |
| Retained earnings to average equity (ytd only) | 7.8701% | 1,621 |
| Net charge-offs to loans | -0.0370% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5290% | 1,582 |
| Assets per employee ($millions) | 4.8119% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,238 |
| Loan loss allowance to noncurrent loans | 550.0000% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,979 |
| Noncurrent loans to loans | 0.2036% | 2,805 |
| Net loans and leases to total assets | 58.3008% | 2,265 |
| Net loans and leases to deposits | 66.1442% | 2,327 |
| Net loans and leases to core deposits | 70.4585% | 2,252 |
| Total domestic deposits to total assets | 88.1420% | 2,464 |
| Equity capital to assets | 7.0227% | 4,202 |
| Core capital (leverage) ratio | 9.8558% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,467,000 | 3,719 |
| Average earning assets | $118,470,000 | 3,734 |
| Average equity | $10,622,500 | 3,992 |
| Average total loans | $75,662,500 | 3,529 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 2,662 |
| Cost of funding earning assets | 0.3689% | 1,769 |
| Net interest margin | 3.1308% | 2,801 |
| Noninterest income to average assets | 0.3061% | 3,575 |
| Noninterest expense to average assets | 2.4818% | 2,237 |
| Loan and lease loss provision to assets | 0.0187% | 2,695 |
| Net operating income to assets | 0.6032% | 3,870 |
| Return on assets (ROA) | 0.6138% | 3,887 |
| Pretax return on assets | 0.7205% | 3,887 |
| Return on Equity (ROE) | 6.7009% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.0206% | 2,352 |
| Net charge-offs to loans | 0.0206% | 1,861 |
| Credit loss provision to net charge-offs | 160.0000% | 1,453 |
| Earnings coverage of net charge-offs (x) | 62.2000% | 1,149 |
| Efficiency ratio | 77.3489% | 1,004 |
| Assets per employee ($millions) | 5.1605% | 3,588 |
| Cash dividends to net income (ytd only)* | 10.1523% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,179 |
| Loan loss allowance to noncurrent loans | 571.1409% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 3,120 |
| Noncurrent loans to loans | 0.1994% | 2,952 |
| Net loans and leases to total assets | 57.2586% | 2,448 |
| Net loans and leases to deposits | 66.7073% | 2,439 |
| Net loans and leases to core deposits | 71.4199% | 2,310 |
| Total domestic deposits to total assets | 85.8355% | 2,963 |
| Equity capital to assets | 9.3952% | 3,229 |
| Core capital (leverage) ratio | 9.3598% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,375,000 | 3,696 |
| Average earning assets | $119,009,400 | 3,695 |
| Average equity | $11,759,600 | 3,960 |
| Average total loans | $72,868,200 | 3,602 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 3,038 |
| Cost of funding earning assets | 0.4008% | 1,691 |
| Net interest margin | 3.0215% | 3,255 |
| Noninterest income to average assets | 0.2995% | 3,642 |
| Noninterest expense to average assets | 2.3897% | 2,470 |
| Loan and lease loss provision to assets | 0.0242% | 2,511 |
| Net operating income to assets | 0.5604% | 4,081 |
| Return on assets (ROA) | 0.5740% | 4,097 |
| Pretax return on assets | 0.7009% | 4,064 |
| Return on Equity (ROE) | 6.3070% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.3070% | 2,691 |
| Net charge-offs to loans | 0.0203% | 1,645 |
| Credit loss provision to net charge-offs | 209.0909% | 1,179 |
| Earnings coverage of net charge-offs (x) | 61.9091% | 1,119 |
| Efficiency ratio | 77.1400% | 947 |
| Assets per employee ($millions) | 5.1474% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,319 |
| Loan loss allowance to noncurrent loans | 302.8369% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 2,684 |
| Noncurrent loans to loans | 0.3714% | 2,450 |
| Net loans and leases to total assets | 58.3394% | 2,444 |
| Net loans and leases to deposits | 67.8880% | 2,447 |
| Net loans and leases to core deposits | 72.6961% | 2,352 |
| Total domestic deposits to total assets | 85.9346% | 2,774 |
| Equity capital to assets | 9.3430% | 3,512 |
| Core capital (leverage) ratio | 9.6535% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,215,500 | 3,736 |
| Average earning assets | $118,744,750 | 3,737 |
| Average equity | $11,669,250 | 4,020 |
| Average total loans | $72,404,750 | 3,660 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3856% | 3,218 |
| Cost of funding earning assets | 0.4367% | 1,606 |
| Net interest margin | 2.9489% | 3,450 |
| Noninterest income to average assets | 0.2983% | 3,643 |
| Noninterest expense to average assets | 2.3395% | 2,646 |
| Loan and lease loss provision to assets | 0.0016% | 2,841 |
| Net operating income to assets | 0.5935% | 3,996 |
| Return on assets (ROA) | 0.5935% | 4,052 |
| Pretax return on assets | 0.6887% | 4,087 |
| Return on Equity (ROE) | 6.5793% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.5793% | 2,592 |
| Net charge-offs to loans | 0.0814% | 858 |
| Credit loss provision to net charge-offs | 3.4483% | 1,792 |
| Earnings coverage of net charge-offs (x) | 15.2414% | 1,640 |
| Efficiency ratio | 77.2165% | 974 |
| Assets per employee ($millions) | 5.3321% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,418 |
| Loan loss allowance to noncurrent loans | 264.2857% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 2,667 |
| Noncurrent loans to loans | 0.4160% | 2,435 |
| Net loans and leases to total assets | 59.7066% | 2,461 |
| Net loans and leases to deposits | 69.8313% | 2,431 |
| Net loans and leases to core deposits | 75.0951% | 2,320 |
| Total domestic deposits to total assets | 85.5012% | 2,911 |
| Equity capital to assets | 9.6031% | 3,248 |
| Core capital (leverage) ratio | 9.4501% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,059,000 | 3,746 |
| Average earning assets | $118,618,667 | 3,751 |
| Average equity | $11,551,333 | 4,042 |
| Average total loans | $71,230,333 | 3,703 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 3,689 |
| Cost of funding earning assets | 0.4885% | 1,466 |
| Net interest margin | 2.7133% | 3,934 |
| Noninterest income to average assets | 0.2692% | 3,786 |
| Noninterest expense to average assets | 2.2329% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4741% | 4,229 |
| Return on assets (ROA) | 0.4741% | 4,264 |
| Pretax return on assets | 0.5506% | 4,273 |
| Return on Equity (ROE) | 5.4203% | 4,003 |
| Retained earnings to average equity (ytd only) | 5.4203% | 3,087 |
| Net charge-offs to loans | 0.2177% | 380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.7368% | 1,712 |
| Efficiency ratio | 80.2198% | 806 |
| Assets per employee ($millions) | 5.6797% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,265 |
| Loan loss allowance to noncurrent loans | 229.7143% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 2,740 |
| Noncurrent loans to loans | 0.4943% | 2,373 |
| Net loans and leases to total assets | 53.5872% | 3,279 |
| Net loans and leases to deposits | 61.6622% | 3,355 |
| Net loans and leases to core deposits | 67.8491% | 3,072 |
| Total domestic deposits to total assets | 86.9044% | 2,345 |
| Equity capital to assets | 8.5324% | 4,087 |
| Core capital (leverage) ratio | 9.0376% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,769,500 | 3,731 |
| Average earning assets | $121,183,000 | 3,727 |
| Average equity | $11,438,500 | 4,063 |
| Average total loans | $69,827,000 | 3,739 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 3,166 |
| Cost of funding earning assets | 0.7126% | 1,658 |
| Net interest margin | 3.1371% | 3,532 |
| Noninterest income to average assets | 0.4913% | 2,670 |
| Noninterest expense to average assets | 2.5430% | 2,713 |
| Loan and lease loss provision to assets | 0.5328% | 432 |
| Net operating income to assets | 0.3211% | 4,401 |
| Return on assets (ROA) | 0.4075% | 4,310 |
| Pretax return on assets | 0.3922% | 4,434 |
| Return on Equity (ROE) | 4.1837% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.4879% | 3,086 |
| Net charge-offs to loans | 1.1188% | 115 |
| Credit loss provision to net charge-offs | 85.4620% | 2,958 |
| Earnings coverage of net charge-offs (x) | 1.3451% | 3,262 |
| Efficiency ratio | 75.2004% | 1,313 |
| Assets per employee ($millions) | 6.5454% | 1,889 |
| Cash dividends to net income (ytd only)* | 16.6320% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,829 |
| Loan loss allowance to noncurrent loans | 369.2982% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 3,341 |
| Noncurrent loans to loans | 0.3312% | 3,022 |
| Net loans and leases to total assets | 51.9499% | 3,663 |
| Net loans and leases to deposits | 60.0399% | 3,762 |
| Net loans and leases to core deposits | 66.0791% | 3,535 |
| Total domestic deposits to total assets | 86.5255% | 2,131 |
| Equity capital to assets | 8.9613% | 4,090 |
| Core capital (leverage) ratio | 9.1565% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,049,400 | 3,770 |
| Average earning assets | $108,761,400 | 3,784 |
| Average equity | $11,497,000 | 4,026 |
| Average total loans | $65,782,800 | 3,818 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 2,873 |
| Cost of funding earning assets | 0.7624% | 1,664 |
| Net interest margin | 3.2732% | 3,269 |
| Noninterest income to average assets | 0.5318% | 2,467 |
| Noninterest expense to average assets | 2.5834% | 2,585 |
| Loan and lease loss provision to assets | 0.5547% | 487 |
| Net operating income to assets | 0.4157% | 4,233 |
| Return on assets (ROA) | 0.5294% | 4,050 |
| Pretax return on assets | 0.5178% | 4,249 |
| Return on Equity (ROE) | 5.3152% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.3152% | 2,423 |
| Net charge-offs to loans | 1.5093% | 76 |
| Credit loss provision to net charge-offs | 64.9457% | 2,832 |
| Earnings coverage of net charge-offs (x) | 1.1223% | 3,092 |
| Efficiency ratio | 72.9269% | 1,533 |
| Assets per employee ($millions) | 5.9494% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,452 |
| Loan loss allowance to noncurrent loans | 287.9167% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 3,401 |
| Noncurrent loans to loans | 0.3653% | 2,976 |
| Net loans and leases to total assets | 52.0270% | 3,964 |
| Net loans and leases to deposits | 60.4947% | 4,025 |
| Net loans and leases to core deposits | 66.9830% | 3,826 |
| Total domestic deposits to total assets | 86.0025% | 2,065 |
| Equity capital to assets | 9.3255% | 3,841 |
| Core capital (leverage) ratio | 9.4204% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,835,000 | 3,805 |
| Average earning assets | $105,624,000 | 3,829 |
| Average equity | $11,438,500 | 4,047 |
| Average total loans | $65,016,500 | 3,848 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 2,443 |
| Cost of funding earning assets | 0.8203% | 1,725 |
| Net interest margin | 3.4925% | 2,810 |
| Noninterest income to average assets | 0.6244% | 2,038 |
| Noninterest expense to average assets | 2.6429% | 2,544 |
| Loan and lease loss provision to assets | 0.6459% | 455 |
| Net operating income to assets | 0.5544% | 3,874 |
| Return on assets (ROA) | 0.5562% | 3,947 |
| Pretax return on assets | 0.5383% | 4,177 |
| Return on Equity (ROE) | 5.4541% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.4541% | 2,293 |
| Net charge-offs to loans | 2.4479% | 48 |
| Credit loss provision to net charge-offs | 45.3972% | 2,646 |
| Earnings coverage of net charge-offs (x) | 0.8310% | 2,902 |
| Efficiency ratio | 69.0901% | 2,077 |
| Assets per employee ($millions) | 5.1433% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 4,299 |
| Loan loss allowance to noncurrent loans | 101.1765% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 2,709 |
| Noncurrent loans to loans | 0.8086% | 1,878 |
| Net loans and leases to total assets | 48.6526% | 4,226 |
| Net loans and leases to deposits | 57.9449% | 4,228 |
| Net loans and leases to core deposits | 65.5301% | 3,987 |
| Total domestic deposits to total assets | 83.9637% | 2,758 |
| Equity capital to assets | 9.1560% | 3,962 |
| Core capital (leverage) ratio | 9.5393% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,467,667 | 3,845 |
| Average earning assets | $102,160,333 | 3,864 |
| Average equity | $11,367,667 | 4,064 |
| Average total loans | $64,791,333 | 3,857 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6957% | 1,723 |
| Cost of funding earning assets | 0.9135% | 1,799 |
| Net interest margin | 3.7821% | 2,045 |
| Noninterest income to average assets | 0.9290% | 999 |
| Noninterest expense to average assets | 2.8180% | 2,381 |
| Loan and lease loss provision to assets | 0.5675% | 498 |
| Net operating income to assets | 0.7774% | 2,984 |
| Return on assets (ROA) | 0.7774% | 3,065 |
| Pretax return on assets | 0.9873% | 2,877 |
| Return on Equity (ROE) | 7.1652% | 2,882 |
| Retained earnings to average equity (ytd only) | 7.1652% | 1,488 |
| Net charge-offs to loans | 0.0122% | 2,146 |
| Credit loss provision to net charge-offs | 7,300.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 346 |
| Efficiency ratio | 64.4444% | 3,165 |
| Assets per employee ($millions) | 3.8818% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 881 |
| Loan loss allowance to noncurrent loans | 238.6463% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 2,647 |
| Noncurrent loans to loans | 0.7122% | 2,219 |
| Net loans and leases to total assets | 62.6390% | 3,232 |
| Net loans and leases to deposits | 72.6221% | 3,393 |
| Net loans and leases to core deposits | 84.8520% | 2,774 |
| Total domestic deposits to total assets | 86.2533% | 1,890 |
| Equity capital to assets | 10.9149% | 2,932 |
| Core capital (leverage) ratio | 11.1463% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,910,000 | 3,947 |
| Average earning assets | $93,703,500 | 3,971 |
| Average equity | $11,165,000 | 4,103 |
| Average total loans | $65,649,500 | 3,854 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 1,595 |
| Cost of funding earning assets | 0.9541% | 1,937 |
| Net interest margin | 4.0033% | 1,850 |
| Noninterest income to average assets | 0.4894% | 2,800 |
| Noninterest expense to average assets | 3.0509% | 1,877 |
| Loan and lease loss provision to assets | 0.3189% | 503 |
| Net operating income to assets | 0.6754% | 3,934 |
| Return on assets (ROA) | 0.6763% | 4,003 |
| Pretax return on assets | 0.7948% | 3,982 |
| Return on Equity (ROE) | 6.4303% | 3,767 |
| Retained earnings to average equity (ytd only) | 5.6975% | 2,030 |
| Net charge-offs to loans | 0.2979% | 703 |
| Credit loss provision to net charge-offs | 159.9034% | 1,613 |
| Earnings coverage of net charge-offs (x) | 5.5797% | 3,070 |
| Efficiency ratio | 73.2763% | 1,691 |
| Assets per employee ($millions) | 3.8842% | 4,044 |
| Cash dividends to net income (ytd only)* | 11.3960% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,464 |
| Loan loss allowance to noncurrent loans | 210.4213% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 2,641 |
| Noncurrent loans to loans | 0.6733% | 2,199 |
| Net loans and leases to total assets | 62.9695% | 3,316 |
| Net loans and leases to deposits | 72.7347% | 3,458 |
| Net loans and leases to core deposits | 83.2898% | 3,017 |
| Total domestic deposits to total assets | 86.5742% | 1,819 |
| Equity capital to assets | 10.7683% | 3,211 |
| Core capital (leverage) ratio | 10.8009% | 2,676 |
| Tier 1 risk-based capital ratio | 15.4954% | 2,581 |
| Total risk-based capital ratio | 16.7465% | 2,512 |
| Memoranda: | ||
| Average total assets | $103,805,200 | 3,939 |
| Average earning assets | $95,272,400 | 3,947 |
| Average equity | $10,917,000 | 4,137 |
| Average total loans | $69,475,400 | 3,786 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 1,604 |
| Cost of funding earning assets | 0.9620% | 1,929 |
| Net interest margin | 4.0146% | 1,889 |
| Noninterest income to average assets | 0.4932% | 2,775 |
| Noninterest expense to average assets | 2.9811% | 2,029 |
| Loan and lease loss provision to assets | 0.1223% | 1,598 |
| Net operating income to assets | 0.9068% | 3,320 |
| Return on assets (ROA) | 0.9014% | 3,415 |
| Pretax return on assets | 1.0753% | 3,360 |
| Return on Equity (ROE) | 8.6234% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.6234% | 1,161 |
| Net charge-offs to loans | 0.0590% | 1,980 |
| Credit loss provision to net charge-offs | 306.4516% | 937 |
| Earnings coverage of net charge-offs (x) | 30.1631% | 1,618 |
| Efficiency ratio | 71.2308% | 1,935 |
| Assets per employee ($millions) | 3.6631% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,278 |
| Loan loss allowance to noncurrent loans | 182.9218% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 2,557 |
| Noncurrent loans to loans | 0.6789% | 2,264 |
| Net loans and leases to total assets | 68.9318% | 2,635 |
| Net loans and leases to deposits | 79.9787% | 2,899 |
| Net loans and leases to core deposits | 93.7518% | 2,202 |
| Total domestic deposits to total assets | 86.1877% | 1,909 |
| Equity capital to assets | 11.0863% | 3,024 |
| Core capital (leverage) ratio | 11.1517% | 2,513 |
| Tier 1 risk-based capital ratio | 15.0360% | 2,827 |
| Total risk-based capital ratio | 16.2112% | 2,798 |
| Memoranda: | ||
| Average total assets | $103,538,250 | 3,991 |
| Average earning assets | $95,216,250 | 3,996 |
| Average equity | $10,823,000 | 4,185 |
| Average total loans | $70,097,500 | 3,815 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9363% | 1,651 |
| Cost of funding earning assets | 0.9425% | 1,954 |
| Net interest margin | 3.9938% | 1,943 |
| Noninterest income to average assets | 0.4795% | 2,785 |
| Noninterest expense to average assets | 2.8519% | 2,409 |
| Loan and lease loss provision to assets | 0.1367% | 1,354 |
| Net operating income to assets | 0.9320% | 3,159 |
| Return on assets (ROA) | 0.9320% | 3,220 |
| Pretax return on assets | 1.1708% | 3,010 |
| Return on Equity (ROE) | 9.0975% | 2,811 |
| Retained earnings to average equity (ytd only) | 9.0975% | 1,003 |
| Net charge-offs to loans | 0.0603% | 1,781 |
| Credit loss provision to net charge-offs | 338.0952% | 826 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 1,408 |
| Efficiency ratio | 68.5648% | 2,438 |
| Assets per employee ($millions) | 3.7774% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,271 |
| Loan loss allowance to noncurrent loans | 177.1255% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 2,487 |
| Noncurrent loans to loans | 0.7042% | 2,216 |
| Net loans and leases to total assets | 67.9220% | 2,825 |
| Net loans and leases to deposits | 78.5978% | 3,102 |
| Net loans and leases to core deposits | 94.4984% | 2,209 |
| Total domestic deposits to total assets | 86.4172% | 1,846 |
| Equity capital to assets | 10.8600% | 3,217 |
| Core capital (leverage) ratio | 10.5344% | 3,049 |
| Tier 1 risk-based capital ratio | 15.0810% | 2,800 |
| Total risk-based capital ratio | 16.2637% | 2,757 |
| Memoranda: | ||
| Average total assets | $103,861,670 | 4,003 |
| Average earning assets | $95,698,670 | 4,007 |
| Average equity | $10,640,330 | 4,221 |
| Average total loans | $69,599,670 | 3,844 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 1,926 |
| Cost of funding earning assets | 0.8800% | 2,096 |
| Net interest margin | 3.9105% | 2,156 |
| Noninterest income to average assets | 0.4428% | 2,890 |
| Noninterest expense to average assets | 2.8550% | 2,399 |
| Loan and lease loss provision to assets | 0.0534% | 2,594 |
| Net operating income to assets | 0.9275% | 3,130 |
| Return on assets (ROA) | 0.9275% | 3,167 |
| Pretax return on assets | 1.1641% | 2,926 |
| Return on Equity (ROE) | 9.3260% | 2,662 |
| Retained earnings to average equity (ytd only) | 9.3260% | 1,217 |
| Net charge-offs to loans | -0.0173% | 4,432 |
| Credit loss provision to net charge-offs | -466.6667% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1031% | 2,322 |
| Assets per employee ($millions) | 3.9139% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,533 |
| Loan loss allowance to noncurrent loans | 297.1731% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,219 |
| Noncurrent loans to loans | 0.4065% | 3,129 |
| Net loans and leases to total assets | 65.0819% | 3,165 |
| Net loans and leases to deposits | 74.6535% | 3,389 |
| Net loans and leases to core deposits | 89.9915% | 2,506 |
| Total domestic deposits to total assets | 87.1787% | 1,726 |
| Equity capital to assets | 10.1111% | 3,711 |
| Core capital (leverage) ratio | 10.3584% | 3,212 |
| Tier 1 risk-based capital ratio | 14.7983% | 2,964 |
| Total risk-based capital ratio | 15.9383% | 2,938 |
| Memoranda: | ||
| Average total assets | $104,798,000 | 4,022 |
| Average earning assets | $97,276,000 | 4,024 |
| Average equity | $10,422,500 | 4,270 |
| Average total loans | $69,325,500 | 3,877 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 1,608 |
| Cost of funding earning assets | 0.6669% | 2,290 |
| Net interest margin | 4.1050% | 1,666 |
| Noninterest income to average assets | 0.4839% | 2,920 |
| Noninterest expense to average assets | 3.1767% | 1,608 |
| Loan and lease loss provision to assets | 0.2346% | 760 |
| Net operating income to assets | 0.7401% | 4,003 |
| Return on assets (ROA) | 0.7392% | 4,008 |
| Pretax return on assets | 0.8634% | 3,993 |
| Return on Equity (ROE) | 7.6320% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.4285% | 1,493 |
| Net charge-offs to loans | 0.1909% | 1,004 |
| Credit loss provision to net charge-offs | 180.3030% | 1,569 |
| Earnings coverage of net charge-offs (x) | 8.4470% | 2,895 |
| Efficiency ratio | 74.2969% | 1,590 |
| Assets per employee ($millions) | 3.7114% | 4,302 |
| Cash dividends to net income (ytd only)* | 2.6667% | 3,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,595 |
| Loan loss allowance to noncurrent loans | 218.2540% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 3,096 |
| Noncurrent loans to loans | 0.5476% | 2,634 |
| Net loans and leases to total assets | 65.6361% | 3,181 |
| Net loans and leases to deposits | 74.8694% | 3,433 |
| Net loans and leases to core deposits | 90.7928% | 2,506 |
| Total domestic deposits to total assets | 87.6674% | 1,462 |
| Equity capital to assets | 9.7768% | 3,880 |
| Core capital (leverage) ratio | 10.3548% | 3,195 |
| Tier 1 risk-based capital ratio | 14.6710% | 2,979 |
| Total risk-based capital ratio | 15.8049% | 2,956 |
| Memoranda: | ||
| Average total assets | $101,458,800 | 4,078 |
| Average earning assets | $93,714,600 | 4,071 |
| Average equity | $9,827,000 | 4,330 |
| Average total loans | $69,153,000 | 3,889 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 1,713 |
| Cost of funding earning assets | 0.6134% | 2,385 |
| Net interest margin | 4.0736% | 1,711 |
| Noninterest income to average assets | 0.4760% | 3,006 |
| Noninterest expense to average assets | 3.1097% | 1,741 |
| Loan and lease loss provision to assets | 0.2023% | 858 |
| Net operating income to assets | 0.7044% | 4,209 |
| Return on assets (ROA) | 0.7034% | 4,222 |
| Pretax return on assets | 0.9295% | 3,925 |
| Return on Equity (ROE) | 7.2797% | 3,827 |
| Retained earnings to average equity (ytd only) | 7.2797% | 1,986 |
| Net charge-offs to loans | 0.1503% | 1,093 |
| Credit loss provision to net charge-offs | 196.1538% | 1,402 |
| Earnings coverage of net charge-offs (x) | 10.9869% | 2,552 |
| Efficiency ratio | 73.2939% | 1,683 |
| Assets per employee ($millions) | 3.5198% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,067 |
| Loan loss allowance to noncurrent loans | 223.0337% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 1,877 |
| Noncurrent loans to loans | 0.5027% | 2,882 |
| Net loans and leases to total assets | 68.5963% | 2,851 |
| Net loans and leases to deposits | 78.5927% | 3,180 |
| Net loans and leases to core deposits | 94.8407% | 2,222 |
| Total domestic deposits to total assets | 87.2808% | 1,608 |
| Equity capital to assets | 9.6224% | 3,975 |
| Core capital (leverage) ratio | 10.3247% | 3,262 |
| Tier 1 risk-based capital ratio | 14.0377% | 3,354 |
| Total risk-based capital ratio | 15.1021% | 3,348 |
| Memoranda: | ||
| Average total assets | $100,843,500 | 4,130 |
| Average earning assets | $93,248,500 | 4,122 |
| Average equity | $9,743,750 | 4,377 |
| Average total loans | $69,182,750 | 3,923 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 1,836 |
| Cost of funding earning assets | 0.5461% | 2,638 |
| Net interest margin | 4.0355% | 1,742 |
| Noninterest income to average assets | 0.4959% | 2,885 |
| Noninterest expense to average assets | 3.0269% | 1,974 |
| Loan and lease loss provision to assets | 0.3047% | 456 |
| Net operating income to assets | 0.7348% | 4,088 |
| Return on assets (ROA) | 0.7348% | 4,083 |
| Pretax return on assets | 0.9021% | 3,957 |
| Return on Equity (ROE) | 7.5944% | 3,681 |
| Retained earnings to average equity (ytd only) | 7.5944% | 1,797 |
| Net charge-offs to loans | 0.2418% | 655 |
| Credit loss provision to net charge-offs | 184.3373% | 1,382 |
| Earnings coverage of net charge-offs (x) | 7.3012% | 2,559 |
| Efficiency ratio | 71.4958% | 2,089 |
| Assets per employee ($millions) | 3.3723% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,077 |
| Loan loss allowance to noncurrent loans | 91.1085% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 1,745 |
| Noncurrent loans to loans | 1.2432% | 1,394 |
| Net loans and leases to total assets | 68.0716% | 2,856 |
| Net loans and leases to deposits | 77.5680% | 3,196 |
| Net loans and leases to core deposits | 93.4297% | 2,273 |
| Total domestic deposits to total assets | 87.7572% | 1,503 |
| Equity capital to assets | 9.7114% | 3,907 |
| Core capital (leverage) ratio | 10.4502% | 3,080 |
| Tier 1 risk-based capital ratio | 14.2557% | 3,229 |
| Total risk-based capital ratio | 15.3468% | 3,234 |
| Memoranda: | ||
| Average total assets | $100,433,330 | 4,169 |
| Average earning assets | $93,023,330 | 4,158 |
| Average equity | $9,717,670 | 4,423 |
| Average total loans | $68,639,330 | 3,962 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,821 |
| Cost of funding earning assets | 0.5380% | 2,492 |
| Net interest margin | 3.9767% | 1,796 |
| Noninterest income to average assets | 0.4877% | 2,883 |
| Noninterest expense to average assets | 3.0540% | 1,936 |
| Loan and lease loss provision to assets | 0.2279% | 688 |
| Net operating income to assets | 0.7475% | 3,914 |
| Return on assets (ROA) | 0.7475% | 3,916 |
| Pretax return on assets | 0.8994% | 3,854 |
| Return on Equity (ROE) | 7.7401% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.7401% | 1,943 |
| Net charge-offs to loans | -0.0235% | 4,634 |
| Credit loss provision to net charge-offs | -1,425.0000% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0402% | 2,036 |
| Assets per employee ($millions) | 3.4440% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 3,092 |
| Loan loss allowance to noncurrent loans | 95.8231% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 1,946 |
| Noncurrent loans to loans | 1.1998% | 1,517 |
| Net loans and leases to total assets | 67.1459% | 2,872 |
| Net loans and leases to deposits | 76.4849% | 3,158 |
| Net loans and leases to core deposits | 87.6765% | 2,660 |
| Total domestic deposits to total assets | 87.7897% | 1,736 |
| Equity capital to assets | 9.6751% | 3,913 |
| Core capital (leverage) ratio | 10.0676% | 3,456 |
| Tier 1 risk-based capital ratio | 14.2509% | 3,251 |
| Total risk-based capital ratio | 15.3488% | 3,244 |
| Memoranda: | ||
| Average total assets | $100,065,000 | 4,216 |
| Average earning assets | $92,942,000 | 4,209 |
| Average equity | $9,664,000 | 4,472 |
| Average total loans | $68,130,500 | 4,007 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 1,641 |
| Cost of funding earning assets | 0.4504% | 2,771 |
| Net interest margin | 4.0726% | 1,525 |
| Noninterest income to average assets | 0.7087% | 1,923 |
| Noninterest expense to average assets | 3.1697% | 1,680 |
| Loan and lease loss provision to assets | 0.2260% | 869 |
| Net operating income to assets | 0.5432% | 4,248 |
| Return on assets (ROA) | 0.5315% | 4,317 |
| Pretax return on assets | 1.0599% | 3,345 |
| Return on Equity (ROE) | 5.4710% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.1295% | 2,688 |
| Net charge-offs to loans | 0.1706% | 1,448 |
| Credit loss provision to net charge-offs | 196.4602% | 1,390 |
| Earnings coverage of net charge-offs (x) | 11.3363% | 2,581 |
| Efficiency ratio | 70.8466% | 2,424 |
| Assets per employee ($millions) | 3.3418% | 4,892 |
| Cash dividends to net income (ytd only)* | 24.5211% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 3,617 |
| Loan loss allowance to noncurrent loans | 81.6118% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 1,776 |
| Noncurrent loans to loans | 1.2877% | 1,362 |
| Net loans and leases to total assets | 67.5278% | 2,884 |
| Net loans and leases to deposits | 76.7748% | 3,252 |
| Net loans and leases to core deposits | 90.5407% | 2,512 |
| Total domestic deposits to total assets | 87.9557% | 1,529 |
| Equity capital to assets | 9.6404% | 4,099 |
| Core capital (leverage) ratio | 9.7806% | 3,715 |
| Tier 1 risk-based capital ratio | 13.8844% | 3,426 |
| Total risk-based capital ratio | 14.8888% | 3,468 |
| Memoranda: | ||
| Average total assets | $98,212,400 | 4,272 |
| Average earning assets | $90,802,600 | 4,270 |
| Average equity | $9,541,200 | 4,518 |
| Average total loans | $66,248,600 | 4,047 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 1,608 |
| Cost of funding earning assets | 0.4179% | 3,006 |
| Net interest margin | 4.0947% | 1,405 |
| Noninterest income to average assets | 0.7492% | 1,790 |
| Noninterest expense to average assets | 3.2070% | 1,541 |
| Loan and lease loss provision to assets | 0.2593% | 652 |
| Net operating income to assets | 0.7222% | 3,865 |
| Return on assets (ROA) | 0.7055% | 4,017 |
| Pretax return on assets | 1.0426% | 3,515 |
| Return on Equity (ROE) | 7.2482% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.2482% | 1,569 |
| Net charge-offs to loans | 0.1035% | 1,750 |
| Credit loss provision to net charge-offs | 372.5490% | 823 |
| Earnings coverage of net charge-offs (x) | 19.0584% | 2,017 |
| Efficiency ratio | 70.7405% | 2,412 |
| Assets per employee ($millions) | 3.3217% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,657 |
| Loan loss allowance to noncurrent loans | 81.2364% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9252% | 1,849 |
| Noncurrent loans to loans | 1.3194% | 1,448 |
| Net loans and leases to total assets | 69.3741% | 2,650 |
| Net loans and leases to deposits | 79.0559% | 3,065 |
| Net loans and leases to core deposits | 94.5770% | 2,216 |
| Total domestic deposits to total assets | 87.7533% | 1,497 |
| Equity capital to assets | 9.9096% | 4,027 |
| Core capital (leverage) ratio | 10.1739% | 3,348 |
| Tier 1 risk-based capital ratio | 13.7308% | 3,563 |
| Total risk-based capital ratio | 14.7571% | 3,608 |
| Memoranda: | ||
| Average total assets | $97,701,750 | 4,318 |
| Average earning assets | $90,292,250 | 4,327 |
| Average equity | $9,510,250 | 4,572 |
| Average total loans | $65,706,000 | 4,089 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 1,624 |
| Cost of funding earning assets | 0.3947% | 3,126 |
| Net interest margin | 4.0655% | 1,416 |
| Noninterest income to average assets | 0.8779% | 1,340 |
| Noninterest expense to average assets | 3.1653% | 1,665 |
| Loan and lease loss provision to assets | 0.3915% | 348 |
| Net operating income to assets | 0.7255% | 3,735 |
| Return on assets (ROA) | 0.7007% | 3,910 |
| Pretax return on assets | 1.0407% | 3,403 |
| Return on Equity (ROE) | 7.2428% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.2428% | 1,476 |
| Net charge-offs to loans | 0.1710% | 1,141 |
| Credit loss provision to net charge-offs | 345.4545% | 872 |
| Earnings coverage of net charge-offs (x) | 12.9636% | 2,159 |
| Efficiency ratio | 68.2970% | 2,956 |
| Assets per employee ($millions) | 3.3311% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,488 |
| Loan loss allowance to noncurrent loans | 121.3355% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 2,617 |
| Noncurrent loans to loans | 0.9198% | 2,133 |
| Net loans and leases to total assets | 66.0539% | 3,101 |
| Net loans and leases to deposits | 75.1605% | 3,440 |
| Net loans and leases to core deposits | 89.4977% | 2,575 |
| Total domestic deposits to total assets | 87.8838% | 1,516 |
| Equity capital to assets | 9.7216% | 4,204 |
| Core capital (leverage) ratio | 9.9671% | 3,577 |
| Tier 1 risk-based capital ratio | 13.8653% | 3,493 |
| Total risk-based capital ratio | 14.9148% | 3,534 |
| Memoranda: | ||
| Average total assets | $97,052,000 | 4,358 |
| Average earning assets | $89,681,670 | 4,363 |
| Average equity | $9,388,670 | 4,612 |
| Average total loans | $64,314,330 | 4,142 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4438% | 1,516 |
| Cost of funding earning assets | 0.3718% | 3,288 |
| Net interest margin | 4.0720% | 1,295 |
| Noninterest income to average assets | 0.4853% | 3,072 |
| Noninterest expense to average assets | 3.2757% | 1,432 |
| Loan and lease loss provision to assets | 0.1004% | 1,886 |
| Net operating income to assets | 0.6582% | 3,894 |
| Return on assets (ROA) | 0.6359% | 4,044 |
| Pretax return on assets | 0.8367% | 3,984 |
| Return on Equity (ROE) | 6.5904% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.5904% | 2,031 |
| Net charge-offs to loans | 0.0444% | 1,948 |
| Credit loss provision to net charge-offs | 342.8571% | 722 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,159 |
| Efficiency ratio | 77.2189% | 1,730 |
| Assets per employee ($millions) | 3.1740% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 4,474 |
| Loan loss allowance to noncurrent loans | 94.2857% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 2,520 |
| Noncurrent loans to loans | 1.0218% | 2,008 |
| Net loans and leases to total assets | 65.5047% | 3,048 |
| Net loans and leases to deposits | 74.3151% | 3,368 |
| Net loans and leases to core deposits | 88.3848% | 2,508 |
| Total domestic deposits to total assets | 88.1445% | 1,628 |
| Equity capital to assets | 9.5088% | 4,279 |
| Core capital (leverage) ratio | 10.2190% | 3,222 |
| Tier 1 risk-based capital ratio | 14.0096% | 3,471 |
| Total risk-based capital ratio | 14.9193% | 3,583 |
| Memoranda: | ||
| Average total assets | $95,612,000 | 4,425 |
| Average earning assets | $88,213,000 | 4,439 |
| Average equity | $9,225,500 | 4,675 |
| Average total loans | $63,094,500 | 4,204 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 1,714 |
| Cost of funding earning assets | 0.3422% | 3,608 |
| Net interest margin | 4.0969% | 1,385 |
| Noninterest income to average assets | 0.6413% | 2,455 |
| Noninterest expense to average assets | 3.2889% | 1,600 |
| Loan and lease loss provision to assets | 0.2641% | 769 |
| Net operating income to assets | 0.6662% | 3,922 |
| Return on assets (ROA) | 0.6804% | 3,984 |
| Pretax return on assets | 0.8804% | 3,911 |
| Return on Equity (ROE) | 6.7466% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.4533% | 2,043 |
| Net charge-offs to loans | 0.2511% | 1,103 |
| Credit loss provision to net charge-offs | 169.9301% | 1,629 |
| Earnings coverage of net charge-offs (x) | 7.2448% | 3,046 |
| Efficiency ratio | 74.4953% | 2,227 |
| Assets per employee ($millions) | 3.0944% | 5,273 |
| Cash dividends to net income (ytd only)* | 19.1693% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 4,343 |
| Loan loss allowance to noncurrent loans | 97.7564% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 2,610 |
| Noncurrent loans to loans | 1.0211% | 2,046 |
| Net loans and leases to total assets | 65.1722% | 3,199 |
| Net loans and leases to deposits | 74.2140% | 3,487 |
| Net loans and leases to core deposits | 86.8754% | 2,777 |
| Total domestic deposits to total assets | 87.8166% | 1,731 |
| Equity capital to assets | 9.7974% | 3,943 |
| Core capital (leverage) ratio | 10.1777% | 3,257 |
| Tier 1 risk-based capital ratio | 14.7287% | 3,086 |
| Total risk-based capital ratio | 15.6741% | 3,159 |
| Memoranda: | ||
| Average total assets | $92,007,000 | 4,512 |
| Average earning assets | $84,746,000 | 4,501 |
| Average equity | $9,278,800 | 4,692 |
| Average total loans | $56,941,600 | 4,380 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 1,746 |
| Cost of funding earning assets | 0.3341% | 3,729 |
| Net interest margin | 4.1001% | 1,386 |
| Noninterest income to average assets | 0.6550% | 2,392 |
| Noninterest expense to average assets | 3.2955% | 1,575 |
| Loan and lease loss provision to assets | 0.2716% | 656 |
| Net operating income to assets | 0.7054% | 3,812 |
| Return on assets (ROA) | 0.7218% | 3,866 |
| Pretax return on assets | 0.8874% | 4,022 |
| Return on Equity (ROE) | 7.1064% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.1064% | 1,571 |
| Net charge-offs to loans | 0.3268% | 706 |
| Credit loss provision to net charge-offs | 136.4964% | 1,904 |
| Earnings coverage of net charge-offs (x) | 5.7227% | 3,091 |
| Efficiency ratio | 74.3203% | 2,220 |
| Assets per employee ($millions) | 3.0641% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 4,542 |
| Loan loss allowance to noncurrent loans | 72.3514% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8768% | 2,357 |
| Noncurrent loans to loans | 1.3455% | 1,639 |
| Net loans and leases to total assets | 61.9693% | 3,639 |
| Net loans and leases to deposits | 71.1543% | 3,871 |
| Net loans and leases to core deposits | 83.5458% | 3,172 |
| Total domestic deposits to total assets | 87.0914% | 1,855 |
| Equity capital to assets | 10.4598% | 3,607 |
| Core capital (leverage) ratio | 10.3186% | 3,208 |
| Tier 1 risk-based capital ratio | 15.4697% | 2,844 |
| Total risk-based capital ratio | 16.3821% | 2,921 |
| Memoranda: | ||
| Average total assets | $91,801,000 | 4,552 |
| Average earning assets | $84,614,500 | 4,539 |
| Average equity | $9,324,750 | 4,736 |
| Average total loans | $55,899,500 | 4,442 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 1,699 |
| Cost of funding earning assets | 0.3216% | 3,883 |
| Net interest margin | 4.1213% | 1,319 |
| Noninterest income to average assets | 0.7323% | 1,993 |
| Noninterest expense to average assets | 3.2084% | 1,790 |
| Loan and lease loss provision to assets | 0.3248% | 526 |
| Net operating income to assets | 0.7884% | 3,368 |
| Return on assets (ROA) | 0.8108% | 3,393 |
| Pretax return on assets | 1.0266% | 3,489 |
| Return on Equity (ROE) | 8.0624% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.0624% | 1,151 |
| Net charge-offs to loans | 0.4444% | 510 |
| Credit loss provision to net charge-offs | 121.1382% | 1,851 |
| Earnings coverage of net charge-offs (x) | 4.9350% | 2,920 |
| Efficiency ratio | 70.8033% | 2,860 |
| Assets per employee ($millions) | 3.1264% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 4,613 |
| Loan loss allowance to noncurrent loans | 103.0769% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4031% | 1,405 |
| Noncurrent loans to loans | 0.9509% | 2,382 |
| Net loans and leases to total assets | 57.7309% | 4,142 |
| Net loans and leases to deposits | 65.9509% | 4,352 |
| Net loans and leases to core deposits | 74.0877% | 3,973 |
| Total domestic deposits to total assets | 87.5363% | 1,655 |
| Equity capital to assets | 10.0872% | 4,113 |
| Core capital (leverage) ratio | 10.1299% | 3,412 |
| Tier 1 risk-based capital ratio | 15.4377% | 2,885 |
| Total risk-based capital ratio | 16.3209% | 2,982 |
| Memoranda: | ||
| Average total assets | $91,760,330 | 4,588 |
| Average earning assets | $84,584,000 | 4,574 |
| Average equity | $9,228,000 | 4,796 |
| Average total loans | $55,358,000 | 4,492 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5675% | 1,348 |
| Cost of funding earning assets | 0.3096% | 4,068 |
| Net interest margin | 4.2579% | 981 |
| Noninterest income to average assets | 0.5951% | 2,562 |
| Noninterest expense to average assets | 3.1914% | 1,852 |
| Loan and lease loss provision to assets | 0.1675% | 1,235 |
| Net operating income to assets | 0.8772% | 2,866 |
| Return on assets (ROA) | 0.8904% | 2,930 |
| Pretax return on assets | 1.1946% | 2,726 |
| Return on Equity (ROE) | 8.8679% | 2,490 |
| Retained earnings to average equity (ytd only) | 8.8679% | 1,157 |
| Net charge-offs to loans | -0.0144% | 4,690 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3596% | 3,056 |
| Assets per employee ($millions) | 3.1301% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 4,672 |
| Loan loss allowance to noncurrent loans | 51.0678% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 1,784 |
| Noncurrent loans to loans | 1.9356% | 1,118 |
| Net loans and leases to total assets | 60.6927% | 3,688 |
| Net loans and leases to deposits | 69.4335% | 3,905 |
| Net loans and leases to core deposits | 77.5736% | 3,537 |
| Total domestic deposits to total assets | 87.4113% | 1,985 |
| Equity capital to assets | 10.2058% | 3,833 |
| Core capital (leverage) ratio | 10.2333% | 3,281 |
| Tier 1 risk-based capital ratio | 15.4188% | 2,963 |
| Total risk-based capital ratio | 16.3407% | 3,053 |
| Memoranda: | ||
| Average total assets | $90,744,500 | 4,641 |
| Average earning assets | $83,985,500 | 4,622 |
| Average equity | $9,111,500 | 4,839 |
| Average total loans | $55,695,500 | 4,506 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6356% | 1,245 |
| Cost of funding earning assets | 0.3291% | 3,924 |
| Net interest margin | 4.3065% | 952 |
| Noninterest income to average assets | 0.5422% | 3,061 |
| Noninterest expense to average assets | 3.2096% | 1,944 |
| Loan and lease loss provision to assets | 0.4044% | 335 |
| Net operating income to assets | 0.7366% | 3,640 |
| Return on assets (ROA) | 0.7375% | 3,734 |
| Pretax return on assets | 0.9282% | 3,734 |
| Return on Equity (ROE) | 7.2915% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.7469% | 1,929 |
| Net charge-offs to loans | 0.6638% | 361 |
| Credit loss provision to net charge-offs | 100.2849% | 2,495 |
| Earnings coverage of net charge-offs (x) | 3.3020% | 3,746 |
| Efficiency ratio | 70.6805% | 3,114 |
| Assets per employee ($millions) | 3.2399% | 5,244 |
| Cash dividends to net income (ytd only)* | 21.1838% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 5,029 |
| Loan loss allowance to noncurrent loans | 46.9613% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 1,745 |
| Noncurrent loans to loans | 1.9480% | 1,088 |
| Net loans and leases to total assets | 60.8916% | 3,714 |
| Net loans and leases to deposits | 69.6135% | 3,961 |
| Net loans and leases to core deposits | 77.4469% | 3,611 |
| Total domestic deposits to total assets | 87.4709% | 1,895 |
| Equity capital to assets | 9.8758% | 4,106 |
| Core capital (leverage) ratio | 9.7527% | 3,831 |
| Tier 1 risk-based capital ratio | 14.7624% | 3,298 |
| Total risk-based capital ratio | 15.5992% | 3,437 |
| Memoranda: | ||
| Average total assets | $87,051,000 | 4,727 |
| Average earning assets | $80,830,400 | 4,693 |
| Average equity | $8,804,800 | 4,894 |
| Average total loans | $52,877,600 | 4,583 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 1,275 |
| Cost of funding earning assets | 0.3261% | 4,034 |
| Net interest margin | 4.2976% | 960 |
| Noninterest income to average assets | 0.5186% | 3,235 |
| Noninterest expense to average assets | 3.1872% | 2,005 |
| Loan and lease loss provision to assets | 0.2012% | 999 |
| Net operating income to assets | 0.8270% | 3,297 |
| Return on assets (ROA) | 0.8281% | 3,375 |
| Pretax return on assets | 1.1300% | 3,099 |
| Return on Equity (ROE) | 8.1371% | 2,999 |
| Retained earnings to average equity (ytd only) | 8.1371% | 1,195 |
| Net charge-offs to loans | 0.1891% | 1,346 |
| Credit loss provision to net charge-offs | 175.6757% | 1,497 |
| Earnings coverage of net charge-offs (x) | 11.6086% | 2,472 |
| Efficiency ratio | 70.5620% | 3,121 |
| Assets per employee ($millions) | 3.1747% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 4,652 |
| Loan loss allowance to noncurrent loans | 247.8070% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 4,611 |
| Noncurrent loans to loans | 0.4106% | 4,137 |
| Net loans and leases to total assets | 59.7039% | 3,919 |
| Net loans and leases to deposits | 67.8530% | 4,204 |
| Net loans and leases to core deposits | 80.5283% | 3,390 |
| Total domestic deposits to total assets | 87.9901% | 1,562 |
| Equity capital to assets | 9.7745% | 4,416 |
| Core capital (leverage) ratio | 10.1482% | 3,440 |
| Tier 1 risk-based capital ratio | 14.8818% | 3,354 |
| Total risk-based capital ratio | 15.8132% | 3,445 |
| Memoranda: | ||
| Average total assets | $86,134,500 | 4,804 |
| Average earning assets | $80,135,500 | 4,773 |
| Average equity | $8,766,250 | 4,963 |
| Average total loans | $52,159,750 | 4,653 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 1,148 |
| Cost of funding earning assets | 0.3246% | 4,099 |
| Net interest margin | 4.3352% | 860 |
| Noninterest income to average assets | 0.5323% | 3,154 |
| Noninterest expense to average assets | 3.1512% | 2,114 |
| Loan and lease loss provision to assets | 0.1782% | 1,151 |
| Net operating income to assets | 0.9061% | 2,842 |
| Return on assets (ROA) | 0.9078% | 2,959 |
| Pretax return on assets | 1.2358% | 2,622 |
| Return on Equity (ROE) | 8.7931% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.7931% | 993 |
| Net charge-offs to loans | 0.0196% | 3,293 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 118.8000% | 530 |
| Efficiency ratio | 69.0625% | 3,481 |
| Assets per employee ($millions) | 3.0423% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 4,268 |
| Loan loss allowance to noncurrent loans | 217.6692% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 4,465 |
| Noncurrent loans to loans | 0.5103% | 3,924 |
| Net loans and leases to total assets | 58.4209% | 4,051 |
| Net loans and leases to deposits | 66.5939% | 4,283 |
| Net loans and leases to core deposits | 77.7878% | 3,602 |
| Total domestic deposits to total assets | 87.7271% | 1,781 |
| Equity capital to assets | 10.0207% | 4,014 |
| Core capital (leverage) ratio | 10.2433% | 3,289 |
| Tier 1 risk-based capital ratio | 15.5458% | 3,079 |
| Total risk-based capital ratio | 16.5601% | 3,135 |
| Memoranda: | ||
| Average total assets | $84,157,330 | 4,890 |
| Average earning assets | $78,242,330 | 4,866 |
| Average equity | $8,688,670 | 5,011 |
| Average total loans | $51,035,670 | 4,722 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 923 |
| Cost of funding earning assets | 0.3204% | 4,221 |
| Net interest margin | 4.4432% | 668 |
| Noninterest income to average assets | 0.5407% | 3,020 |
| Noninterest expense to average assets | 3.2147% | 1,949 |
| Loan and lease loss provision to assets | 0.1851% | 1,026 |
| Net operating income to assets | 0.9365% | 2,577 |
| Return on assets (ROA) | 0.9401% | 2,695 |
| Pretax return on assets | 1.2664% | 2,396 |
| Return on Equity (ROE) | 8.9637% | 2,459 |
| Retained earnings to average equity (ytd only) | 8.9637% | 1,203 |
| Net charge-offs to loans | -0.0079% | 4,630 |
| Credit loss provision to net charge-offs | -3,800.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9655% | 3,669 |
| Assets per employee ($millions) | 3.2775% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 4,665 |
| Loan loss allowance to noncurrent loans | 151.8006% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 4,017 |
| Noncurrent loans to loans | 0.7039% | 3,517 |
| Net loans and leases to total assets | 59.5393% | 3,722 |
| Net loans and leases to deposits | 68.0403% | 3,951 |
| Net loans and leases to core deposits | 80.0811% | 3,151 |
| Total domestic deposits to total assets | 87.5059% | 2,103 |
| Equity capital to assets | 10.2246% | 3,856 |
| Core capital (leverage) ratio | 10.3538% | 3,158 |
| Tier 1 risk-based capital ratio | 15.5123% | 3,134 |
| Total risk-based capital ratio | 16.4910% | 3,225 |
| Memoranda: | ||
| Average total assets | $82,122,500 | 4,984 |
| Average earning assets | $76,161,500 | 4,968 |
| Average equity | $8,612,500 | 5,076 |
| Average total loans | $50,492,500 | 4,768 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 697 |
| Cost of funding earning assets | 0.3177% | 4,606 |
| Net interest margin | 4.7391% | 490 |
| Noninterest income to average assets | 0.6144% | 2,776 |
| Noninterest expense to average assets | 3.3840% | 1,733 |
| Loan and lease loss provision to assets | 0.1686% | 1,547 |
| Net operating income to assets | 1.0510% | 2,156 |
| Return on assets (ROA) | 1.0464% | 2,252 |
| Pretax return on assets | 1.4148% | 1,836 |
| Return on Equity (ROE) | 10.4567% | 1,923 |
| Retained earnings to average equity (ytd only) | 8.4602% | 842 |
| Net charge-offs to loans | 0.2817% | 1,538 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 9.4296% | 2,748 |
| Efficiency ratio | 68.0392% | 3,897 |
| Assets per employee ($millions) | 2.9270% | 5,791 |
| Cash dividends to net income (ytd only)* | 19.0931% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 4,929 |
| Loan loss allowance to noncurrent loans | 144.6023% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 4,038 |
| Noncurrent loans to loans | 0.7082% | 3,554 |
| Net loans and leases to total assets | 62.2442% | 3,468 |
| Net loans and leases to deposits | 72.2420% | 3,654 |
| Net loans and leases to core deposits | 85.0526% | 2,779 |
| Total domestic deposits to total assets | 86.1608% | 2,746 |
| Equity capital to assets | 10.7707% | 3,156 |
| Core capital (leverage) ratio | 10.7092% | 2,707 |
| Tier 1 risk-based capital ratio | 16.1706% | 2,874 |
| Total risk-based capital ratio | 17.1399% | 2,962 |
| Memoranda: | ||
| Average total assets | $80,082,000 | 5,059 |
| Average earning assets | $73,664,000 | 5,046 |
| Average equity | $8,014,000 | 5,194 |
| Average total loans | $47,918,800 | 4,882 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 749 |
| Cost of funding earning assets | 0.3178% | 4,693 |
| Net interest margin | 4.6968% | 507 |
| Noninterest income to average assets | 0.5941% | 2,910 |
| Noninterest expense to average assets | 3.3588% | 1,770 |
| Loan and lease loss provision to assets | 0.1742% | 1,411 |
| Net operating income to assets | 1.0351% | 2,302 |
| Return on assets (ROA) | 1.0289% | 2,385 |
| Pretax return on assets | 1.3691% | 2,119 |
| Return on Equity (ROE) | 10.4779% | 2,015 |
| Retained earnings to average equity (ytd only) | 10.4779% | 604 |
| Net charge-offs to loans | 0.1769% | 2,035 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 14.8410% | 2,107 |
| Efficiency ratio | 68.4015% | 3,786 |
| Assets per employee ($millions) | 2.9312% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 4,677 |
| Loan loss allowance to noncurrent loans | 180.6557% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 4,532 |
| Noncurrent loans to loans | 0.6178% | 4,072 |
| Net loans and leases to total assets | 61.6795% | 3,537 |
| Net loans and leases to deposits | 71.3617% | 3,754 |
| Net loans and leases to core deposits | 81.5118% | 3,151 |
| Total domestic deposits to total assets | 86.4322% | 2,623 |
| Equity capital to assets | 10.4899% | 3,577 |
| Core capital (leverage) ratio | 10.7419% | 2,772 |
| Tier 1 risk-based capital ratio | 16.0620% | 3,032 |
| Total risk-based capital ratio | 17.1114% | 3,068 |
| Memoranda: | ||
| Average total assets | $80,345,250 | 5,115 |
| Average earning assets | $73,835,250 | 5,103 |
| Average equity | $7,889,500 | 5,265 |
| Average total loans | $47,473,500 | 4,954 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9401% | 836 |
| Cost of funding earning assets | 0.3133% | 4,844 |
| Net interest margin | 4.6268% | 560 |
| Noninterest income to average assets | 0.6366% | 2,631 |
| Noninterest expense to average assets | 3.3116% | 1,890 |
| Loan and lease loss provision to assets | 0.1858% | 1,320 |
| Net operating income to assets | 1.0173% | 2,256 |
| Return on assets (ROA) | 1.0081% | 2,356 |
| Pretax return on assets | 1.3697% | 2,004 |
| Return on Equity (ROE) | 10.5005% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.5005% | 615 |
| Net charge-offs to loans | 0.2263% | 1,685 |
| Credit loss provision to net charge-offs | 141.5094% | 1,515 |
| Earnings coverage of net charge-offs (x) | 11.9434% | 2,101 |
| Efficiency ratio | 67.8680% | 4,031 |
| Assets per employee ($millions) | 3.1891% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 4,845 |
| Loan loss allowance to noncurrent loans | 171.8447% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 4,626 |
| Noncurrent loans to loans | 0.6480% | 4,087 |
| Net loans and leases to total assets | 59.1461% | 3,840 |
| Net loans and leases to deposits | 68.0403% | 4,045 |
| Net loans and leases to core deposits | 77.2467% | 3,517 |
| Total domestic deposits to total assets | 86.9281% | 2,490 |
| Equity capital to assets | 10.1006% | 3,968 |
| Core capital (leverage) ratio | 10.3512% | 3,138 |
| Tier 1 risk-based capital ratio | 15.8848% | 3,151 |
| Total risk-based capital ratio | 16.9108% | 3,207 |
| Memoranda: | ||
| Average total assets | $80,746,000 | 5,143 |
| Average earning assets | $74,047,000 | 5,136 |
| Average equity | $7,752,000 | 5,326 |
| Average total loans | $46,842,670 | 5,005 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 1,001 |
| Cost of funding earning assets | 0.3058% | 5,005 |
| Net interest margin | 4.5178% | 633 |
| Noninterest income to average assets | 0.7680% | 1,880 |
| Noninterest expense to average assets | 3.2343% | 2,112 |
| Loan and lease loss provision to assets | 0.2215% | 1,020 |
| Net operating income to assets | 0.9815% | 2,281 |
| Return on assets (ROA) | 0.9452% | 2,500 |
| Pretax return on assets | 1.4030% | 1,733 |
| Return on Equity (ROE) | 10.1033% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.1033% | 933 |
| Net charge-offs to loans | -0.0172% | 5,282 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8317% | 4,558 |
| Assets per employee ($millions) | 3.4949% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 4,720 |
| Loan loss allowance to noncurrent loans | 187.2054% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 4,868 |
| Noncurrent loans to loans | 0.6319% | 4,284 |
| Net loans and leases to total assets | 55.3716% | 4,225 |
| Net loans and leases to deposits | 62.9016% | 4,442 |
| Net loans and leases to core deposits | 72.1001% | 3,865 |
| Total domestic deposits to total assets | 88.0289% | 2,222 |
| Equity capital to assets | 9.2159% | 4,857 |
| Core capital (leverage) ratio | 10.0418% | 3,508 |
| Tier 1 risk-based capital ratio | 15.3572% | 3,518 |
| Total risk-based capital ratio | 16.4237% | 3,580 |
| Memoranda: | ||
| Average total assets | $81,255,000 | 5,180 |
| Average earning assets | $74,549,000 | 5,158 |
| Average equity | $7,601,500 | 5,390 |
| Average total loans | $46,420,500 | 5,067 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 1,281 |
| Cost of funding earning assets | 0.3580% | 5,067 |
| Net interest margin | 4.4556% | 811 |
| Noninterest income to average assets | 0.5532% | 3,381 |
| Noninterest expense to average assets | 3.5315% | 1,589 |
| Loan and lease loss provision to assets | 0.1592% | 2,292 |
| Net operating income to assets | 0.7463% | 3,573 |
| Return on assets (ROA) | 0.7960% | 3,409 |
| Pretax return on assets | 1.0215% | 3,261 |
| Return on Equity (ROE) | 7.9409% | 3,059 |
| Retained earnings to average equity (ytd only) | 6.3527% | 1,770 |
| Net charge-offs to loans | 0.2076% | 2,798 |
| Credit loss provision to net charge-offs | 131.8681% | 1,787 |
| Earnings coverage of net charge-offs (x) | 9.2527% | 2,530 |
| Efficiency ratio | 75.9703% | 2,775 |
| Assets per employee ($millions) | 3.7444% | 4,378 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,101 |
| Loan loss allowance to noncurrent loans | 118.9252% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 4,388 |
| Noncurrent loans to loans | 0.9337% | 3,658 |
| Net loans and leases to total assets | 57.6501% | 4,093 |
| Net loans and leases to deposits | 65.6367% | 4,339 |
| Net loans and leases to core deposits | 75.2611% | 3,700 |
| Total domestic deposits to total assets | 87.8321% | 2,286 |
| Equity capital to assets | 9.5036% | 4,421 |
| Core capital (leverage) ratio | 10.0669% | 3,471 |
| Tier 1 risk-based capital ratio | 15.4674% | 3,395 |
| Total risk-based capital ratio | 16.4750% | 3,476 |
| Memoranda: | ||
| Average total assets | $75,379,200 | 5,341 |
| Average earning assets | $69,283,200 | 5,323 |
| Average equity | $7,555,800 | 5,447 |
| Average total loans | $43,831,000 | 5,198 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 1,449 |
| Cost of funding earning assets | 0.3690% | 5,105 |
| Net interest margin | 4.3912% | 911 |
| Noninterest income to average assets | 0.5078% | 3,751 |
| Noninterest expense to average assets | 3.3348% | 1,992 |
| Loan and lease loss provision to assets | 0.1609% | 2,246 |
| Net operating income to assets | 0.7877% | 3,410 |
| Return on assets (ROA) | 0.8493% | 3,214 |
| Pretax return on assets | 1.1372% | 2,958 |
| Return on Equity (ROE) | 8.3590% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.3590% | 1,267 |
| Net charge-offs to loans | 0.2062% | 2,588 |
| Credit loss provision to net charge-offs | 134.3284% | 1,754 |
| Earnings coverage of net charge-offs (x) | 10.1493% | 2,388 |
| Efficiency ratio | 73.2809% | 3,177 |
| Assets per employee ($millions) | 3.0762% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,251 |
| Loan loss allowance to noncurrent loans | 739.7059% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 5,924 |
| Noncurrent loans to loans | 0.1516% | 5,863 |
| Net loans and leases to total assets | 60.0788% | 3,683 |
| Net loans and leases to deposits | 69.5132% | 3,853 |
| Net loans and leases to core deposits | 79.2011% | 3,209 |
| Total domestic deposits to total assets | 86.4279% | 3,004 |
| Equity capital to assets | 10.3132% | 3,493 |
| Core capital (leverage) ratio | 10.5878% | 2,907 |
| Tier 1 risk-based capital ratio | 16.0867% | 3,142 |
| Total risk-based capital ratio | 17.1230% | 3,213 |
| Memoranda: | ||
| Average total assets | $74,565,750 | 5,415 |
| Average earning assets | $68,651,000 | 5,389 |
| Average equity | $7,576,500 | 5,499 |
| Average total loans | $43,328,500 | 5,264 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,950 |
| Cost of funding earning assets | 0.3678% | 5,250 |
| Net interest margin | 4.2022% | 1,268 |
| Noninterest income to average assets | 0.4972% | 3,859 |
| Noninterest expense to average assets | 3.2321% | 2,269 |
| Loan and lease loss provision to assets | 0.1604% | 2,319 |
| Net operating income to assets | 0.7886% | 3,358 |
| Return on assets (ROA) | 0.7886% | 3,519 |
| Pretax return on assets | 0.9838% | 3,581 |
| Return on Equity (ROE) | 7.8001% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.8001% | 1,566 |
| Net charge-offs to loans | 0.2055% | 2,527 |
| Credit loss provision to net charge-offs | 136.3636% | 1,659 |
| Earnings coverage of net charge-offs (x) | 9.7273% | 2,245 |
| Efficiency ratio | 73.8546% | 3,157 |
| Assets per employee ($millions) | 3.1794% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,280 |
| Loan loss allowance to noncurrent loans | 393.6508% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 5,945 |
| Noncurrent loans to loans | 0.2896% | 5,575 |
| Net loans and leases to total assets | 56.3711% | 4,228 |
| Net loans and leases to deposits | 64.2825% | 4,466 |
| Net loans and leases to core deposits | 73.3114% | 3,894 |
| Total domestic deposits to total assets | 87.6928% | 2,446 |
| Equity capital to assets | 9.8054% | 4,179 |
| Core capital (leverage) ratio | 10.1993% | 3,233 |
| Tier 1 risk-based capital ratio | 15.9090% | 3,250 |
| Total risk-based capital ratio | 16.9433% | 3,315 |
| Memoranda: | ||
| Average total assets | $74,811,670 | 5,443 |
| Average earning assets | $69,059,670 | 5,418 |
| Average equity | $7,564,000 | 5,544 |
| Average total loans | $42,818,670 | 5,309 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 2,222 |
| Cost of funding earning assets | 0.3678% | 5,394 |
| Net interest margin | 4.1158% | 1,413 |
| Noninterest income to average assets | 0.4753% | 3,957 |
| Noninterest expense to average assets | 3.1432% | 2,533 |
| Loan and lease loss provision to assets | 0.1620% | 2,245 |
| Net operating income to assets | 0.7885% | 3,228 |
| Return on assets (ROA) | 0.7885% | 3,359 |
| Pretax return on assets | 0.9775% | 3,449 |
| Return on Equity (ROE) | 7.6792% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.6792% | 1,863 |
| Net charge-offs to loans | 0.2449% | 1,985 |
| Credit loss provision to net charge-offs | 115.3846% | 1,636 |
| Earnings coverage of net charge-offs (x) | 8.1154% | 1,978 |
| Efficiency ratio | 73.3922% | 3,373 |
| Assets per employee ($millions) | 3.5462% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,468 |
| Loan loss allowance to noncurrent loans | 226.1682% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 5,712 |
| Noncurrent loans to loans | 0.5012% | 5,173 |
| Net loans and leases to total assets | 56.6873% | 3,979 |
| Net loans and leases to deposits | 65.0362% | 4,181 |
| Net loans and leases to core deposits | 74.7658% | 3,488 |
| Total domestic deposits to total assets | 87.1626% | 2,858 |
| Equity capital to assets | 10.2887% | 3,809 |
| Core capital (leverage) ratio | 10.1753% | 3,176 |
| Tier 1 risk-based capital ratio | 16.1072% | 3,200 |
| Total risk-based capital ratio | 17.1494% | 3,288 |
| Memoranda: | ||
| Average total assets | $74,065,000 | 5,511 |
| Average earning assets | $68,516,000 | 5,478 |
| Average equity | $7,605,000 | 5,605 |
| Average total loans | $42,473,000 | 5,356 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 3,172 |
| Cost of funding earning assets | 0.4423% | 5,640 |
| Net interest margin | 4.1169% | 1,936 |
| Noninterest income to average assets | 0.6434% | 3,029 |
| Noninterest expense to average assets | 3.3275% | 2,261 |
| Loan and lease loss provision to assets | 0.2585% | 2,584 |
| Net operating income to assets | 0.7006% | 3,737 |
| Return on assets (ROA) | 0.7425% | 3,786 |
| Pretax return on assets | 0.9191% | 3,868 |
| Return on Equity (ROE) | 6.9641% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.2701% | 3,222 |
| Net charge-offs to loans | 0.1499% | 4,189 |
| Credit loss provision to net charge-offs | 321.4286% | 759 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,775 |
| Efficiency ratio | 74.7178% | 2,945 |
| Assets per employee ($millions) | 3.6830% | 4,601 |
| Cash dividends to net income (ytd only)* | 38.6847% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,405 |
| Loan loss allowance to noncurrent loans | 475.2475% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 6,193 |
| Noncurrent loans to loans | 0.2391% | 5,882 |
| Net loans and leases to total assets | 56.7024% | 4,161 |
| Net loans and leases to deposits | 65.9785% | 4,291 |
| Net loans and leases to core deposits | 77.0296% | 3,400 |
| Total domestic deposits to total assets | 85.9408% | 3,382 |
| Equity capital to assets | 10.2471% | 3,829 |
| Core capital (leverage) ratio | 9.9599% | 3,452 |
| Tier 1 risk-based capital ratio | 15.8415% | 3,247 |
| Total risk-based capital ratio | 16.8783% | 3,320 |
| Memoranda: | ||
| Average total assets | $69,632,200 | 5,638 |
| Average earning assets | $64,441,400 | 5,600 |
| Average equity | $7,423,800 | 5,657 |
| Average total loans | $37,353,000 | 5,618 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 3,748 |
| Cost of funding earning assets | 0.4570% | 5,746 |
| Net interest margin | 4.0143% | 2,452 |
| Noninterest income to average assets | 0.6431% | 3,028 |
| Noninterest expense to average assets | 3.2213% | 2,498 |
| Loan and lease loss provision to assets | 0.1846% | 3,279 |
| Net operating income to assets | 0.7259% | 3,793 |
| Return on assets (ROA) | 0.7791% | 3,799 |
| Pretax return on assets | 1.0278% | 3,609 |
| Return on Equity (ROE) | 7.2321% | 3,679 |
| Retained earnings to average equity (ytd only) | 7.2321% | 1,994 |
| Net charge-offs to loans | 0.1587% | 3,846 |
| Credit loss provision to net charge-offs | 220.9302% | 1,256 |
| Earnings coverage of net charge-offs (x) | 13.6749% | 1,895 |
| Efficiency ratio | 73.8201% | 3,018 |
| Assets per employee ($millions) | 3.3610% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,193 |
| Loan loss allowance to noncurrent loans | 88.1210% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 5,102 |
| Noncurrent loans to loans | 1.0991% | 4,230 |
| Net loans and leases to total assets | 56.4207% | 4,382 |
| Net loans and leases to deposits | 71.4459% | 3,681 |
| Net loans and leases to core deposits | 80.8457% | 3,099 |
| Total domestic deposits to total assets | 78.9697% | 5,876 |
| Equity capital to assets | 10.3948% | 3,964 |
| Core capital (leverage) ratio | 10.3564% | 3,094 |
| Tier 1 risk-based capital ratio | 15.7900% | 3,380 |
| Total risk-based capital ratio | 16.6585% | 3,547 |
| Memoranda: | ||
| Average total assets | $68,625,250 | 5,722 |
| Average earning assets | $63,605,000 | 5,676 |
| Average equity | $7,392,750 | 5,724 |
| Average total loans | $36,129,500 | 5,747 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 4,169 |
| Cost of funding earning assets | 0.4747% | 5,798 |
| Net interest margin | 3.9301% | 2,794 |
| Noninterest income to average assets | 0.6372% | 3,021 |
| Noninterest expense to average assets | 3.1951% | 2,607 |
| Loan and lease loss provision to assets | 0.1945% | 3,142 |
| Net operating income to assets | 0.6750% | 3,997 |
| Return on assets (ROA) | 0.7569% | 3,844 |
| Pretax return on assets | 0.9962% | 3,724 |
| Return on Equity (ROE) | 6.9363% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.9363% | 2,139 |
| Net charge-offs to loans | 0.0410% | 4,803 |
| Credit loss provision to net charge-offs | 928.5714% | 353 |
| Earnings coverage of net charge-offs (x) | 51.7143% | 709 |
| Efficiency ratio | 74.6853% | 2,951 |
| Assets per employee ($millions) | 3.2510% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 5,489 |
| Loan loss allowance to noncurrent loans | 82.3062% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 5,031 |
| Noncurrent loans to loans | 1.4191% | 3,783 |
| Net loans and leases to total assets | 48.9793% | 5,487 |
| Net loans and leases to deposits | 60.0164% | 5,234 |
| Net loans and leases to core deposits | 67.3867% | 4,857 |
| Total domestic deposits to total assets | 81.6099% | 5,260 |
| Equity capital to assets | 10.4276% | 3,774 |
| Core capital (leverage) ratio | 10.7050% | 2,588 |
| Tier 1 risk-based capital ratio | 17.5583% | 2,452 |
| Total risk-based capital ratio | 18.5581% | 2,508 |
| Memoranda: | ||
| Average total assets | $66,853,330 | 5,814 |
| Average earning assets | $61,932,330 | 5,772 |
| Average equity | $7,295,000 | 5,760 |
| Average total loans | $34,130,670 | 5,868 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 4,222 |
| Cost of funding earning assets | 0.4805% | 5,938 |
| Net interest margin | 3.9444% | 2,750 |
| Noninterest income to average assets | 0.6572% | 2,887 |
| Noninterest expense to average assets | 3.2239% | 2,523 |
| Loan and lease loss provision to assets | 0.2170% | 2,764 |
| Net operating income to assets | 0.6758% | 4,004 |
| Return on assets (ROA) | 0.6758% | 4,218 |
| Pretax return on assets | 0.8804% | 4,107 |
| Return on Equity (ROE) | 6.0442% | 4,267 |
| Retained earnings to average equity (ytd only) | 6.0442% | 2,933 |
| Net charge-offs to loans | 0.0956% | 3,571 |
| Credit loss provision to net charge-offs | 437.5000% | 735 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,137 |
| Efficiency ratio | 74.6055% | 3,004 |
| Assets per employee ($millions) | 3.1748% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 5,617 |
| Loan loss allowance to noncurrent loans | 75.3937% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 5,026 |
| Noncurrent loans to loans | 1.5572% | 3,776 |
| Net loans and leases to total assets | 48.3561% | 5,508 |
| Net loans and leases to deposits | 55.7759% | 5,630 |
| Net loans and leases to core deposits | 61.4955% | 5,381 |
| Total domestic deposits to total assets | 86.6972% | 3,119 |
| Equity capital to assets | 10.8550% | 3,079 |
| Core capital (leverage) ratio | 11.1663% | 2,137 |
| Tier 1 risk-based capital ratio | 18.7853% | 2,054 |
| Total risk-based capital ratio | 19.7949% | 2,101 |
| Memoranda: | ||
| Average total assets | $64,519,000 | 5,941 |
| Average earning assets | $59,933,000 | 5,877 |
| Average equity | $7,213,500 | 5,804 |
| Average total loans | $33,473,500 | 5,938 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 3,029 |
| Cost of funding earning assets | 0.6089% | 6,054 |
| Net interest margin | 4.3600% | 1,514 |
| Noninterest income to average assets | 0.7059% | 2,567 |
| Noninterest expense to average assets | 3.0200% | 3,521 |
| Loan and lease loss provision to assets | 0.1964% | 4,221 |
| Net operating income to assets | 1.0974% | 1,843 |
| Return on assets (ROA) | 1.1071% | 1,920 |
| Pretax return on assets | 1.5083% | 1,445 |
| Return on Equity (ROE) | 9.4326% | 2,272 |
| Retained earnings to average equity (ytd only) | 5.1773% | 2,520 |
| Net charge-offs to loans | 0.2866% | 3,978 |
| Credit loss provision to net charge-offs | 129.6703% | 2,364 |
| Earnings coverage of net charge-offs (x) | 11.1648% | 1,749 |
| Efficiency ratio | 64.0989% | 5,106 |
| Assets per employee ($millions) | 3.6687% | 4,617 |
| Cash dividends to net income (ytd only)* | 45.1128% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 6,044 |
| Loan loss allowance to noncurrent loans | 69.8039% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 4,999 |
| Noncurrent loans to loans | 1.4858% | 3,919 |
| Net loans and leases to total assets | 54.4654% | 4,958 |
| Net loans and leases to deposits | 63.4235% | 5,074 |
| Net loans and leases to core deposits | 70.4839% | 4,724 |
| Total domestic deposits to total assets | 85.8758% | 3,382 |
| Equity capital to assets | 11.5283% | 2,479 |
| Core capital (leverage) ratio | 11.2520% | 2,082 |
| Tier 1 risk-based capital ratio | 18.6821% | 1,995 |
| Total risk-based capital ratio | 19.6299% | 2,048 |
| Memoranda: | ||
| Average total assets | $60,067,000 | 6,035 |
| Average earning assets | $55,184,000 | 6,013 |
| Average equity | $7,050,000 | 5,850 |
| Average total loans | $31,747,800 | 6,087 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 3,458 |
| Cost of funding earning assets | 0.6289% | 6,136 |
| Net interest margin | 4.2948% | 1,739 |
| Noninterest income to average assets | 0.6813% | 2,714 |
| Noninterest expense to average assets | 2.8037% | 4,331 |
| Loan and lease loss provision to assets | 0.1121% | 5,026 |
| Net operating income to assets | 1.2791% | 1,434 |
| Return on assets (ROA) | 1.2842% | 1,520 |
| Pretax return on assets | 1.7055% | 1,138 |
| Return on Equity (ROE) | 10.8907% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.8907% | 650 |
| Net charge-offs to loans | 0.1200% | 4,827 |
| Credit loss provision to net charge-offs | 178.5714% | 1,669 |
| Earnings coverage of net charge-offs (x) | 28.8591% | 957 |
| Efficiency ratio | 60.7576% | 5,600 |
| Assets per employee ($millions) | 3.8423% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 6,024 |
| Loan loss allowance to noncurrent loans | 390.0000% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 6,677 |
| Noncurrent loans to loans | 0.2714% | 6,326 |
| Net loans and leases to total assets | 53.3737% | 5,264 |
| Net loans and leases to deposits | 62.4705% | 5,348 |
| Net loans and leases to core deposits | 69.5730% | 4,996 |
| Total domestic deposits to total assets | 85.4382% | 3,536 |
| Equity capital to assets | 12.1316% | 2,153 |
| Core capital (leverage) ratio | 12.2510% | 1,563 |
| Tier 1 risk-based capital ratio | 19.9630% | 1,695 |
| Total risk-based capital ratio | 20.9327% | 1,733 |
| Memoranda: | ||
| Average total assets | $59,491,750 | 6,109 |
| Average earning assets | $54,483,250 | 6,083 |
| Average equity | $7,015,000 | 5,897 |
| Average total loans | $31,103,500 | 6,179 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 3,485 |
| Cost of funding earning assets | 0.6541% | 6,207 |
| Net interest margin | 4.2778% | 1,743 |
| Noninterest income to average assets | 0.6799% | 2,656 |
| Noninterest expense to average assets | 2.6925% | 4,852 |
| Loan and lease loss provision to assets | 0.0680% | 5,456 |
| Net operating income to assets | 1.3768% | 1,131 |
| Return on assets (ROA) | 1.3768% | 1,203 |
| Pretax return on assets | 1.8324% | 823 |
| Return on Equity (ROE) | 11.7950% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.7950% | 548 |
| Net charge-offs to loans | 0.0855% | 4,788 |
| Credit loss provision to net charge-offs | 153.8462% | 1,980 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 708 |
| Efficiency ratio | 58.6232% | 6,082 |
| Assets per employee ($millions) | 3.6808% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,943 |
| Loan loss allowance to noncurrent loans | 377.5281% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 6,712 |
| Noncurrent loans to loans | 0.2923% | 6,333 |
| Net loans and leases to total assets | 51.1351% | 5,676 |
| Net loans and leases to deposits | 59.9244% | 5,732 |
| Net loans and leases to core deposits | 67.0802% | 5,382 |
| Total domestic deposits to total assets | 85.3327% | 3,714 |
| Equity capital to assets | 12.2374% | 1,945 |
| Core capital (leverage) ratio | 12.1725% | 1,517 |
| Tier 1 risk-based capital ratio | 20.6194% | 1,487 |
| Total risk-based capital ratio | 21.6012% | 1,516 |
| Memoranda: | ||
| Average total assets | $58,830,330 | 6,183 |
| Average earning assets | $53,813,330 | 6,153 |
| Average equity | $6,867,330 | 5,956 |
| Average total loans | $30,417,000 | 6,260 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 3,685 |
| Cost of funding earning assets | 0.6984% | 6,154 |
| Net interest margin | 4.1828% | 1,954 |
| Noninterest income to average assets | 0.6531% | 2,824 |
| Noninterest expense to average assets | 2.7688% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2857% | 1,304 |
| Return on assets (ROA) | 1.2857% | 1,351 |
| Pretax return on assets | 1.7143% | 961 |
| Return on Equity (ROE) | 11.2878% | 1,649 |
| Retained earnings to average equity (ytd only) | 11.2878% | 844 |
| Net charge-offs to loans | 0.0789% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 661 |
| Efficiency ratio | 61.7602% | 5,718 |
| Assets per employee ($millions) | 3.8900% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 6,159 |
| Loan loss allowance to noncurrent loans | 340.0000% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 6,755 |
| Noncurrent loans to loans | 0.3147% | 6,363 |
| Net loans and leases to total assets | 51.1842% | 5,690 |
| Net loans and leases to deposits | 59.5771% | 5,763 |
| Net loans and leases to core deposits | 67.6712% | 5,333 |
| Total domestic deposits to total assets | 85.9126% | 3,571 |
| Equity capital to assets | 11.6607% | 2,153 |
| Core capital (leverage) ratio | 11.8017% | 1,675 |
| Tier 1 risk-based capital ratio | 19.7369% | 1,643 |
| Total risk-based capital ratio | 20.6688% | 1,682 |
| Memoranda: | ||
| Average total assets | $58,799,000 | 6,230 |
| Average earning assets | $53,840,000 | 6,205 |
| Average equity | $6,697,500 | 6,025 |
| Average total loans | $30,400,000 | 6,317 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8418% | 5,269 |
| Cost of funding earning assets | 0.8856% | 6,222 |
| Net interest margin | 3.9562% | 3,237 |
| Noninterest income to average assets | 0.8273% | 2,153 |
| Noninterest expense to average assets | 2.9007% | 4,219 |
| Loan and lease loss provision to assets | 0.0692% | 6,455 |
| Net operating income to assets | 1.1381% | 1,582 |
| Return on assets (ROA) | 1.1273% | 1,695 |
| Pretax return on assets | 1.4912% | 1,401 |
| Return on Equity (ROE) | 9.3935% | 2,146 |
| Retained earnings to average equity (ytd only) | 3.4763% | 3,436 |
| Net charge-offs to loans | 0.1900% | 5,164 |
| Credit loss provision to net charge-offs | 70.9091% | 5,839 |
| Earnings coverage of net charge-offs (x) | 16.1273% | 1,233 |
| Efficiency ratio | 64.8155% | 5,198 |
| Assets per employee ($millions) | 3.9499% | 3,886 |
| Cash dividends to net income (ytd only)* | 62.9921% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 6,049 |
| Loan loss allowance to noncurrent loans | 406.1728% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 6,892 |
| Noncurrent loans to loans | 0.2646% | 6,533 |
| Net loans and leases to total assets | 51.1106% | 6,034 |
| Net loans and leases to deposits | 59.1214% | 6,145 |
| Net loans and leases to core deposits | 67.5319% | 5,709 |
| Total domestic deposits to total assets | 86.4502% | 3,104 |
| Equity capital to assets | 11.1244% | 2,575 |
| Core capital (leverage) ratio | 11.3095% | 1,952 |
| Tier 1 risk-based capital ratio | 18.6775% | 1,792 |
| Total risk-based capital ratio | 19.6013% | 1,856 |
| Memoranda: | ||
| Average total assets | $56,330,400 | 6,332 |
| Average earning assets | $51,944,000 | 6,291 |
| Average equity | $6,760,000 | 6,117 |
| Average total loans | $28,941,800 | 6,447 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 5,581 |
| Cost of funding earning assets | 0.9119% | 6,351 |
| Net interest margin | 3.9074% | 3,505 |
| Noninterest income to average assets | 0.8513% | 1,991 |
| Noninterest expense to average assets | 2.6953% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3341% | 1,271 |
| Return on assets (ROA) | 1.3597% | 1,274 |
| Pretax return on assets | 1.7961% | 932 |
| Return on Equity (ROE) | 11.1137% | 1,750 |
| Retained earnings to average equity (ytd only) | 11.1137% | 591 |
| Net charge-offs to loans | 0.1075% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 31.9524% | 841 |
| Efficiency ratio | 60.4626% | 5,879 |
| Assets per employee ($millions) | 3.7875% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 6,210 |
| Loan loss allowance to noncurrent loans | 51.8519% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0931% | 4,926 |
| Noncurrent loans to loans | 2.0081% | 3,664 |
| Net loans and leases to total assets | 53.8644% | 5,870 |
| Net loans and leases to deposits | 63.3674% | 5,987 |
| Net loans and leases to core deposits | 72.7666% | 5,430 |
| Total domestic deposits to total assets | 85.0034% | 3,618 |
| Equity capital to assets | 12.6027% | 1,810 |
| Core capital (leverage) ratio | 12.6876% | 1,341 |
| Tier 1 risk-based capital ratio | 20.0293% | 1,543 |
| Total risk-based capital ratio | 20.9527% | 1,573 |
| Memoranda: | ||
| Average total assets | $55,601,000 | 6,428 |
| Average earning assets | $51,320,500 | 6,393 |
| Average equity | $6,802,250 | 6,177 |
| Average total loans | $28,524,500 | 6,557 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 5,972 |
| Cost of funding earning assets | 0.9243% | 6,485 |
| Net interest margin | 3.8271% | 3,780 |
| Noninterest income to average assets | 0.8877% | 1,732 |
| Noninterest expense to average assets | 2.6451% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3424% | 1,210 |
| Return on assets (ROA) | 1.3479% | 1,268 |
| Pretax return on assets | 1.7755% | 930 |
| Return on Equity (ROE) | 11.1327% | 1,704 |
| Retained earnings to average equity (ytd only) | 11.1327% | 626 |
| Net charge-offs to loans | 0.1154% | 5,023 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 907 |
| Efficiency ratio | 59.9343% | 6,057 |
| Assets per employee ($millions) | 3.6765% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,575 |
| Loan loss allowance to noncurrent loans | 205.6250% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 6,687 |
| Noncurrent loans to loans | 0.5715% | 6,107 |
| Net loans and leases to total assets | 50.1686% | 6,415 |
| Net loans and leases to deposits | 58.9161% | 6,504 |
| Net loans and leases to core deposits | 63.5935% | 6,439 |
| Total domestic deposits to total assets | 85.1527% | 3,545 |
| Equity capital to assets | 12.6151% | 1,732 |
| Core capital (leverage) ratio | 12.4855% | 1,412 |
| Tier 1 risk-based capital ratio | 21.4049% | 1,284 |
| Total risk-based capital ratio | 22.4422% | 1,288 |
| Memoranda: | ||
| Average total assets | $55,197,000 | 6,483 |
| Average earning assets | $50,847,330 | 6,451 |
| Average equity | $6,683,000 | 6,242 |
| Average total loans | $27,724,670 | 6,655 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 6,299 |
| Cost of funding earning assets | 0.9338% | 6,639 |
| Net interest margin | 3.7509% | 4,003 |
| Noninterest income to average assets | 0.8258% | 1,905 |
| Noninterest expense to average assets | 2.5932% | 5,381 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2838% | 1,330 |
| Return on assets (ROA) | 1.2894% | 1,394 |
| Pretax return on assets | 1.7022% | 1,053 |
| Return on Equity (ROE) | 10.8769% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.8769% | 948 |
| Net charge-offs to loans | 0.3190% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 10.6364% | 1,725 |
| Efficiency ratio | 60.4730% | 6,085 |
| Assets per employee ($millions) | 3.7120% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,450 |
| Loan loss allowance to noncurrent loans | 145.4955% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 6,475 |
| Noncurrent loans to loans | 0.8319% | 5,649 |
| Net loans and leases to total assets | 47.3491% | 6,727 |
| Net loans and leases to deposits | 55.0247% | 6,842 |
| Net loans and leases to core deposits | 59.9863% | 6,754 |
| Total domestic deposits to total assets | 86.0506% | 3,132 |
| Equity capital to assets | 11.9001% | 2,107 |
| Core capital (leverage) ratio | 12.3098% | 1,489 |
| Tier 1 risk-based capital ratio | 20.7534% | 1,379 |
| Total risk-based capital ratio | 21.7698% | 1,393 |
| Memoranda: | ||
| Average total assets | $55,221,500 | 6,562 |
| Average earning assets | $50,974,500 | 6,512 |
| Average equity | $6,546,000 | 6,333 |
| Average total loans | $27,589,000 | 6,746 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 6,697 |
| Cost of funding earning assets | 1.2582% | 6,445 |
| Net interest margin | 3.6485% | 4,357 |
| Noninterest income to average assets | 1.4297% | 716 |
| Noninterest expense to average assets | 2.8371% | 4,808 |
| Loan and lease loss provision to assets | 0.0930% | 6,672 |
| Net operating income to assets | 1.6680% | 474 |
| Return on assets (ROA) | 1.5617% | 639 |
| Pretax return on assets | 1.7699% | 675 |
| Return on Equity (ROE) | 13.1143% | 937 |
| Retained earnings to average equity (ytd only) | 6.2449% | 1,254 |
| Net charge-offs to loans | 0.2540% | 5,031 |
| Credit loss provision to net charge-offs | 78.1250% | 6,335 |
| Earnings coverage of net charge-offs (x) | 16.6719% | 1,241 |
| Efficiency ratio | 58.8508% | 6,642 |
| Assets per employee ($millions) | 3.9116% | 3,998 |
| Cash dividends to net income (ytd only)* | 52.3810% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 5,290 |
| Loan loss allowance to noncurrent loans | 188.5246% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 6,608 |
| Noncurrent loans to loans | 0.6423% | 5,952 |
| Net loans and leases to total assets | 51.3960% | 6,488 |
| Net loans and leases to deposits | 59.6566% | 6,657 |
| Net loans and leases to core deposits | 76.3157% | 6,375 |
| Total domestic deposits to total assets | 86.1531% | 2,932 |
| Equity capital to assets | 11.8072% | 2,136 |
| Core capital (leverage) ratio | 12.2445% | 1,553 |
| Tier 1 risk-based capital ratio | 19.6167% | 1,540 |
| Total risk-based capital ratio | 20.6713% | 1,532 |
| Memoranda: | ||
| Average total assets | $53,787,600 | 6,562 |
| Average earning assets | $49,993,400 | 6,533 |
| Average equity | $6,405,200 | 6,459 |
| Average total loans | $25,201,800 | 6,901 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 6,948 |
| Cost of funding earning assets | 1.3476% | 6,404 |
| Net interest margin | 3.5268% | 4,755 |
| Noninterest income to average assets | 1.6186% | 561 |
| Noninterest expense to average assets | 2.5847% | 5,764 |
| Loan and lease loss provision to assets | 0.1245% | 6,111 |
| Net operating income to assets | 1.9127% | 349 |
| Return on assets (ROA) | 1.9149% | 373 |
| Pretax return on assets | 2.1963% | 354 |
| Return on Equity (ROE) | 16.0455% | 649 |
| Retained earnings to average equity (ytd only) | 16.0455% | 125 |
| Net charge-offs to loans | 0.0875% | 5,812 |
| Credit loss provision to net charge-offs | 312.5000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 58.1950% | 562 |
| Efficiency ratio | 52.7171% | 7,355 |
| Assets per employee ($millions) | 3.6479% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 3,839 |
| Loan loss allowance to noncurrent loans | 66.9506% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.1494% | 4,778 |
| Noncurrent loans to loans | 2.1215% | 3,484 |
| Net loans and leases to total assets | 53.4090% | 6,451 |
| Net loans and leases to deposits | 63.1462% | 6,578 |
| Net loans and leases to core deposits | 81.3723% | 6,247 |
| Total domestic deposits to total assets | 84.5800% | 3,438 |
| Equity capital to assets | 13.3092% | 1,570 |
| Core capital (leverage) ratio | 12.8520% | 1,429 |
| Tier 1 risk-based capital ratio | 21.1574% | 1,347 |
| Total risk-based capital ratio | 22.3967% | 1,330 |
| Memoranda: | ||
| Average total assets | $53,543,750 | 6,619 |
| Average earning assets | $49,864,750 | 6,580 |
| Average equity | $6,390,000 | 6,525 |
| Average total loans | $24,379,500 | 7,007 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 7,179 |
| Cost of funding earning assets | 1.4235% | 6,405 |
| Net interest margin | 3.4030% | 5,153 |
| Noninterest income to average assets | 1.9938% | 375 |
| Noninterest expense to average assets | 2.3727% | 6,546 |
| Loan and lease loss provision to assets | 0.1839% | 5,193 |
| Net operating income to assets | 2.3253% | 153 |
| Return on assets (ROA) | 2.3286% | 167 |
| Pretax return on assets | 2.6155% | 170 |
| Return on Equity (ROE) | 20.2420% | 325 |
| Retained earnings to average equity (ytd only) | 20.2420% | 74 |
| Net charge-offs to loans | 0.1632% | 4,576 |
| Credit loss provision to net charge-offs | 263.1579% | 1,772 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 808 |
| Efficiency ratio | 45.9075% | 7,856 |
| Assets per employee ($millions) | 3.9181% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 3,082 |
| Loan loss allowance to noncurrent loans | 128.7129% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 6,039 |
| Noncurrent loans to loans | 1.1822% | 4,855 |
| Net loans and leases to total assets | 46.0139% | 7,190 |
| Net loans and leases to deposits | 53.5358% | 7,308 |
| Net loans and leases to core deposits | 70.1950% | 7,010 |
| Total domestic deposits to total assets | 85.9497% | 2,821 |
| Equity capital to assets | 12.0632% | 2,167 |
| Core capital (leverage) ratio | 12.0749% | 1,804 |
| Tier 1 risk-based capital ratio | 21.3492% | 1,339 |
| Total risk-based capital ratio | 22.6001% | 1,310 |
| Memoranda: | ||
| Average total assets | $54,368,330 | 6,663 |
| Average earning assets | $50,720,670 | 6,603 |
| Average equity | $6,254,330 | 6,618 |
| Average total loans | $23,283,000 | 7,129 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 7,108 |
| Cost of funding earning assets | 1.5107% | 6,371 |
| Net interest margin | 3.4169% | 5,071 |
| Noninterest income to average assets | 0.6429% | 3,249 |
| Noninterest expense to average assets | 2.5422% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9994% | 2,311 |
| Return on assets (ROA) | 1.0051% | 2,429 |
| Pretax return on assets | 1.3007% | 2,285 |
| Return on Equity (ROE) | 8.9577% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.9577% | 1,499 |
| Net charge-offs to loans | 0.3980% | 2,504 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.9545% | 2,263 |
| Efficiency ratio | 66.2813% | 5,274 |
| Assets per employee ($millions) | 4.1441% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 3,089 |
| Loan loss allowance to noncurrent loans | 126.2172% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 5,982 |
| Noncurrent loans to loans | 1.1722% | 4,639 |
| Net loans and leases to total assets | 41.6554% | 7,484 |
| Net loans and leases to deposits | 48.0906% | 7,573 |
| Net loans and leases to core deposits | 64.5376% | 7,296 |
| Total domestic deposits to total assets | 86.6185% | 2,399 |
| Equity capital to assets | 11.3285% | 2,703 |
| Core capital (leverage) ratio | 11.1808% | 2,358 |
| Tier 1 risk-based capital ratio | 21.4850% | 1,371 |
| Total risk-based capital ratio | 22.6833% | 1,348 |
| Memoranda: | ||
| Average total assets | $54,126,000 | 6,701 |
| Average earning assets | $50,572,000 | 6,635 |
| Average equity | $6,073,000 | 6,733 |
| Average total loans | $22,109,500 | 7,242 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3190% | 7,579 |
| Cost of funding earning assets | 2.0145% | 6,368 |
| Net interest margin | 3.3046% | 6,021 |
| Noninterest income to average assets | 0.6608% | 3,399 |
| Noninterest expense to average assets | 2.7109% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7934% | 3,464 |
| Return on assets (ROA) | 0.7964% | 3,289 |
| Pretax return on assets | 1.0212% | 3,309 |
| Return on Equity (ROE) | 6.7619% | 3,641 |
| Retained earnings to average equity (ytd only) | 0.1810% | 5,124 |
| Net charge-offs to loans | 0.1283% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,683 |
| Efficiency ratio | 72.7131% | 3,808 |
| Assets per employee ($millions) | 3.6253% | 4,352 |
| Cash dividends to net income (ytd only)* | 97.3236% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 1,985 |
| Loan loss allowance to noncurrent loans | 128.6738% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 5,642 |
| Noncurrent loans to loans | 1.3012% | 3,908 |
| Net loans and leases to total assets | 38.7686% | 7,727 |
| Net loans and leases to deposits | 44.5755% | 7,833 |
| Net loans and leases to core deposits | 57.9685% | 7,666 |
| Total domestic deposits to total assets | 86.9729% | 1,947 |
| Equity capital to assets | 11.1127% | 2,954 |
| Core capital (leverage) ratio | 11.0035% | 2,590 |
| Tier 1 risk-based capital ratio | 21.6996% | 1,354 |
| Total risk-based capital ratio | 22.9509% | 1,319 |
| Memoranda: | ||
| Average total assets | $51,605,800 | 6,708 |
| Average earning assets | $47,903,600 | 6,672 |
| Average equity | $6,078,200 | 6,777 |
| Average total loans | $21,825,000 | 7,205 |