Home > Savannah Bank > Performance and Condition Ratios
Savannah Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 3,422 |
| Cost of funding earning assets | 1.4414% | 2,101 |
| Net interest margin | 2.8701% | 3,539 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.4422% | 2,467 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4969% | 3,675 |
| Return on assets (ROA) | 0.4969% | 3,674 |
| Pretax return on assets | 0.5030% | 3,803 |
| Return on Equity (ROE) | 10.2900% | 2,411 |
| Retained earnings to average equity (ytd only) | 10.2937% | 941 |
| Net charge-offs to loans | 0.1209% | 806 |
| Credit loss provision to net charge-offs | 54.0541% | 2,177 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,329 |
| Efficiency ratio | 81.9884% | 776 |
| Assets per employee ($millions) | 5.2932% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 1,644 |
| Loan loss allowance to noncurrent loans | 253.5354% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 1,850 |
| Noncurrent loans to loans | 0.5253% | 1,476 |
| Net loans and leases to total assets | 51.6700% | 3,500 |
| Net loans and leases to deposits | 55.7608% | 3,723 |
| Net loans and leases to core deposits | 71.3223% | 3,231 |
| Total domestic deposits to total assets | 92.6600% | 210 |
| Equity capital to assets | 5.6193% | 4,317 |
| Core capital (leverage) ratio | 8.0314% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7399% | 1,128 |
| Memoranda: | ||
| Average total assets | $179,308,000 | 3,133 |
| Average earning assets | $174,069,600 | 3,059 |
| Average equity | $8,655,800 | 3,862 |
| Average total loans | $91,820,600 | 3,266 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 3,524 |
| Cost of funding earning assets | 1.3018% | 2,139 |
| Net interest margin | 2.8684% | 3,602 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.4040% | 2,508 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.5307% | 3,702 |
| Return on assets (ROA) | 0.5307% | 3,686 |
| Pretax return on assets | 0.5388% | 3,843 |
| Return on Equity (ROE) | 11.4700% | 2,260 |
| Retained earnings to average equity (ytd only) | 11.4653% | 1,076 |
| Net charge-offs to loans | 0.1622% | 524 |
| Credit loss provision to net charge-offs | 40.5405% | 1,931 |
| Earnings coverage of net charge-offs (x) | 6.9279% | 2,259 |
| Efficiency ratio | 80.7702% | 820 |
| Assets per employee ($millions) | 5.2842% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 1,710 |
| Loan loss allowance to noncurrent loans | 192.5466% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 1,598 |
| Noncurrent loans to loans | 0.6945% | 1,187 |
| Net loans and leases to total assets | 50.9200% | 3,559 |
| Net loans and leases to deposits | 54.3969% | 3,775 |
| Net loans and leases to core deposits | 69.3453% | 3,241 |
| Total domestic deposits to total assets | 93.6100% | 226 |
| Equity capital to assets | 4.3576% | 4,357 |
| Core capital (leverage) ratio | 8.0088% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4851% | 1,205 |
| Memoranda: | ||
| Average total assets | $179,142,500 | 3,140 |
| Average earning assets | $173,800,500 | 3,070 |
| Average equity | $8,291,500 | 3,902 |
| Average total loans | $91,215,750 | 3,277 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,577 |
| Cost of funding earning assets | 1.1174% | 2,221 |
| Net interest margin | 2.9367% | 3,584 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.3915% | 2,516 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6012% | 3,569 |
| Return on assets (ROA) | 0.6012% | 3,577 |
| Pretax return on assets | 0.6180% | 3,766 |
| Return on Equity (ROE) | 12.7400% | 1,960 |
| Retained earnings to average equity (ytd only) | 12.7403% | 846 |
| Net charge-offs to loans | 0.2447% | 336 |
| Credit loss provision to net charge-offs | 27.0270% | 1,744 |
| Earnings coverage of net charge-offs (x) | 5.2523% | 2,178 |
| Efficiency ratio | 78.5898% | 956 |
| Assets per employee ($millions) | 5.4050% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 1,833 |
| Loan loss allowance to noncurrent loans | 583.3333% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 2,710 |
| Noncurrent loans to loans | 0.2265% | 2,357 |
| Net loans and leases to total assets | 51.2900% | 3,464 |
| Net loans and leases to deposits | 55.0728% | 3,692 |
| Net loans and leases to core deposits | 70.3929% | 3,102 |
| Total domestic deposits to total assets | 93.1300% | 235 |
| Equity capital to assets | 5.1187% | 4,358 |
| Core capital (leverage) ratio | 7.8642% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3144% | 1,261 |
| Memoranda: | ||
| Average total assets | $178,969,333 | 3,144 |
| Average earning assets | $173,803,333 | 3,075 |
| Average equity | $8,445,667 | 3,909 |
| Average total loans | $90,711,667 | 3,289 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 3,679 |
| Cost of funding earning assets | 0.8989% | 2,377 |
| Net interest margin | 2.9978% | 3,606 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.4164% | 2,482 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6538% | 3,574 |
| Return on assets (ROA) | 0.6538% | 3,531 |
| Pretax return on assets | 0.6538% | 3,751 |
| Return on Equity (ROE) | 14.4600% | 1,671 |
| Retained earnings to average equity (ytd only) | 14.4629% | 870 |
| Net charge-offs to loans | 0.4949% | 166 |
| Credit loss provision to net charge-offs | 13.5135% | 1,393 |
| Earnings coverage of net charge-offs (x) | 2.7748% | 1,916 |
| Efficiency ratio | 77.8577% | 1,017 |
| Assets per employee ($millions) | 5.6287% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 1,875 |
| Loan loss allowance to noncurrent loans | 271.3004% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 1,881 |
| Noncurrent loans to loans | 0.4922% | 1,488 |
| Net loans and leases to total assets | 49.6400% | 3,522 |
| Net loans and leases to deposits | 52.9440% | 3,741 |
| Net loans and leases to core deposits | 64.7670% | 3,300 |
| Total domestic deposits to total assets | 93.7600% | 196 |
| Equity capital to assets | 4.7291% | 4,460 |
| Core capital (leverage) ratio | 7.8186% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2918% | 1,312 |
| Memoranda: | ||
| Average total assets | $179,272,000 | 3,182 |
| Average earning assets | $173,996,500 | 3,109 |
| Average equity | $8,103,500 | 3,989 |
| Average total loans | $89,716,500 | 3,336 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1656% | 3,877 |
| Cost of funding earning assets | 0.1590% | 4,063 |
| Net interest margin | 3.0066% | 3,436 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.4023% | 2,417 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7037% | 3,613 |
| Return on assets (ROA) | 0.6847% | 3,611 |
| Pretax return on assets | 0.6709% | 3,910 |
| Return on Equity (ROE) | 12.7000% | 1,904 |
| Retained earnings to average equity (ytd only) | 7.3209% | 2,095 |
| Net charge-offs to loans | 0.0564% | 1,089 |
| Credit loss provision to net charge-offs | 138.2979% | 1,353 |
| Earnings coverage of net charge-offs (x) | 26.8936% | 1,748 |
| Efficiency ratio | 76.7604% | 940 |
| Assets per employee ($millions) | 5.4068% | 3,310 |
| Cash dividends to net income (ytd only)* | 42.3529% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 1,290 |
| Loan loss allowance to noncurrent loans | 303.0162% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 1,948 |
| Noncurrent loans to loans | 0.4853% | 1,488 |
| Net loans and leases to total assets | 49.0500% | 3,579 |
| Net loans and leases to deposits | 52.7544% | 3,747 |
| Net loans and leases to core deposits | 63.9198% | 3,270 |
| Total domestic deposits to total assets | 92.9700% | 413 |
| Equity capital to assets | 4.3094% | 4,486 |
| Core capital (leverage) ratio | 7.9519% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1876% | 1,316 |
| Memoranda: | ||
| Average total assets | $173,794,800 | 3,243 |
| Average earning assets | $168,528,800 | 3,172 |
| Average equity | $9,370,400 | 3,953 |
| Average total loans | $83,375,800 | 3,365 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0311% | 3,831 |
| Cost of funding earning assets | 0.1219% | 4,110 |
| Net interest margin | 2.9093% | 3,477 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.4235% | 2,247 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5808% | 3,882 |
| Return on assets (ROA) | 0.5684% | 3,870 |
| Pretax return on assets | 0.5707% | 4,035 |
| Return on Equity (ROE) | 10.0200% | 2,717 |
| Retained earnings to average equity (ytd only) | 6.3868% | 2,599 |
| Net charge-offs to loans | 0.0699% | 807 |
| Credit loss provision to net charge-offs | 109.3023% | 1,277 |
| Earnings coverage of net charge-offs (x) | 18.6512% | 1,750 |
| Efficiency ratio | 79.6447% | 792 |
| Assets per employee ($millions) | 5.3862% | 3,341 |
| Cash dividends to net income (ytd only)* | 36.2772% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,288 |
| Loan loss allowance to noncurrent loans | 606.5728% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,741 |
| Noncurrent loans to loans | 0.2474% | 2,391 |
| Net loans and leases to total assets | 49.1900% | 3,516 |
| Net loans and leases to deposits | 52.2830% | 3,713 |
| Net loans and leases to core deposits | 60.1316% | 3,376 |
| Total domestic deposits to total assets | 94.0900% | 345 |
| Equity capital to assets | 4.4274% | 4,412 |
| Core capital (leverage) ratio | 7.8526% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4012% | 1,313 |
| Memoranda: | ||
| Average total assets | $172,637,250 | 3,276 |
| Average earning assets | $167,413,250 | 3,198 |
| Average equity | $9,790,750 | 3,941 |
| Average total loans | $82,015,750 | 3,395 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8615% | 3,872 |
| Cost of funding earning assets | 0.1147% | 4,024 |
| Net interest margin | 2.7469% | 3,583 |
| Noninterest income to average assets | 0.2246% | 3,848 |
| Noninterest expense to average assets | 2.4176% | 2,174 |
| Loan and lease loss provision to assets | 0.0347% | 1,952 |
| Net operating income to assets | 0.4136% | 4,083 |
| Return on assets (ROA) | 0.3960% | 4,068 |
| Pretax return on assets | 0.4168% | 4,135 |
| Return on Equity (ROE) | 6.5077% | 3,448 |
| Retained earnings to average equity (ytd only) | 3.2729% | 3,362 |
| Net charge-offs to loans | 0.0174% | 1,397 |
| Credit loss provision to net charge-offs | 428.5714% | 674 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,095 |
| Efficiency ratio | 83.7209% | 696 |
| Assets per employee ($millions) | 4.8815% | 3,786 |
| Cash dividends to net income (ytd only)* | 49.7076% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,168 |
| Loan loss allowance to noncurrent loans | 257.0588% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 1,647 |
| Noncurrent loans to loans | 0.6199% | 1,368 |
| Net loans and leases to total assets | 47.3840% | 3,600 |
| Net loans and leases to deposits | 50.5988% | 3,781 |
| Net loans and leases to core deposits | 58.3122% | 3,404 |
| Total domestic deposits to total assets | 93.6465% | 361 |
| Equity capital to assets | 4.9909% | 4,478 |
| Core capital (leverage) ratio | 7.6257% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4441% | 1,314 |
| Memoranda: | ||
| Average total assets | $172,730,667 | 3,312 |
| Average earning assets | $167,463,333 | 3,242 |
| Average equity | $10,510,667 | 3,932 |
| Average total loans | $80,660,000 | 3,447 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7170% | 3,914 |
| Cost of funding earning assets | 0.1116% | 3,989 |
| Net interest margin | 2.6054% | 3,646 |
| Noninterest income to average assets | 0.2257% | 3,805 |
| Noninterest expense to average assets | 2.2618% | 2,648 |
| Loan and lease loss provision to assets | 0.0345% | 1,745 |
| Net operating income to assets | 0.4146% | 3,923 |
| Return on assets (ROA) | 0.4146% | 3,889 |
| Pretax return on assets | 0.4560% | 3,941 |
| Return on Equity (ROE) | 6.2595% | 3,267 |
| Retained earnings to average equity (ytd only) | 4.1035% | 2,898 |
| Net charge-offs to loans | 0.0351% | 950 |
| Credit loss provision to net charge-offs | 214.2857% | 753 |
| Earnings coverage of net charge-offs (x) | 30.4286% | 1,124 |
| Efficiency ratio | 82.1757% | 972 |
| Assets per employee ($millions) | 4.6014% | 4,077 |
| Cash dividends to net income (ytd only)* | 34.4444% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 1,300 |
| Loan loss allowance to noncurrent loans | 146.6063% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 1,186 |
| Noncurrent loans to loans | 1.0850% | 828 |
| Net loans and leases to total assets | 45.8562% | 3,592 |
| Net loans and leases to deposits | 49.2876% | 3,790 |
| Net loans and leases to core deposits | 56.6086% | 3,404 |
| Total domestic deposits to total assets | 93.0382% | 262 |
| Equity capital to assets | 5.6911% | 4,640 |
| Core capital (leverage) ratio | 7.8256% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3869% | 1,406 |
| Memoranda: | ||
| Average total assets | $173,670,500 | 3,317 |
| Average earning assets | $168,421,000 | 3,241 |
| Average equity | $11,502,500 | 3,905 |
| Average total loans | $79,856,500 | 3,460 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7879% | 4,218 |
| Cost of funding earning assets | 0.1313% | 4,144 |
| Net interest margin | 2.6566% | 3,950 |
| Noninterest income to average assets | 0.2364% | 3,962 |
| Noninterest expense to average assets | 2.3407% | 2,686 |
| Loan and lease loss provision to assets | 0.0363% | 2,319 |
| Net operating income to assets | 0.4511% | 4,183 |
| Return on assets (ROA) | 0.4553% | 4,219 |
| Pretax return on assets | 0.4456% | 4,335 |
| Return on Equity (ROE) | 5.5939% | 3,861 |
| Retained earnings to average equity (ytd only) | 1.8423% | 4,027 |
| Net charge-offs to loans | -0.0306% | 4,131 |
| Credit loss provision to net charge-offs | -260.8696% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0508% | 618 |
| Assets per employee ($millions) | 4.6618% | 3,992 |
| Cash dividends to net income (ytd only)* | 67.0651% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 1,162 |
| Loan loss allowance to noncurrent loans | 183.7375% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 1,608 |
| Noncurrent loans to loans | 0.8960% | 1,130 |
| Net loans and leases to total assets | 44.6106% | 3,789 |
| Net loans and leases to deposits | 48.9304% | 3,947 |
| Net loans and leases to core deposits | 56.4516% | 3,587 |
| Total domestic deposits to total assets | 91.1716% | 427 |
| Equity capital to assets | 7.5681% | 4,567 |
| Core capital (leverage) ratio | 7.9125% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6576% | 1,350 |
| Memoranda: | ||
| Average total assets | $165,381,000 | 3,340 |
| Average earning assets | $160,732,000 | 3,270 |
| Average equity | $13,461,200 | 3,794 |
| Average total loans | $75,156,000 | 3,555 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8322% | 4,257 |
| Cost of funding earning assets | 0.1348% | 4,232 |
| Net interest margin | 2.6974% | 3,983 |
| Noninterest income to average assets | 0.2380% | 3,977 |
| Noninterest expense to average assets | 2.3291% | 2,655 |
| Loan and lease loss provision to assets | 0.0367% | 2,258 |
| Net operating income to assets | 0.5232% | 4,152 |
| Return on assets (ROA) | 0.5289% | 4,193 |
| Pretax return on assets | 0.5036% | 4,365 |
| Return on Equity (ROE) | 6.3799% | 3,827 |
| Retained earnings to average equity (ytd only) | 2.6739% | 4,011 |
| Net charge-offs to loans | -0.0215% | 3,995 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3318% | 679 |
| Assets per employee ($millions) | 4.4904% | 4,130 |
| Cash dividends to net income (ytd only)* | 58.0894% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 1,167 |
| Loan loss allowance to noncurrent loans | 637.3737% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 3,326 |
| Noncurrent loans to loans | 0.2624% | 2,878 |
| Net loans and leases to total assets | 44.6597% | 3,898 |
| Net loans and leases to deposits | 49.4495% | 4,031 |
| Net loans and leases to core deposits | 57.4358% | 3,666 |
| Total domestic deposits to total assets | 90.3138% | 630 |
| Equity capital to assets | 8.1400% | 4,446 |
| Core capital (leverage) ratio | 8.1276% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5612% | 1,232 |
| Memoranda: | ||
| Average total assets | $163,604,250 | 3,396 |
| Average earning assets | $159,257,750 | 3,314 |
| Average equity | $13,563,000 | 3,832 |
| Average total loans | $74,386,000 | 3,623 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8672% | 4,265 |
| Cost of funding earning assets | 0.1400% | 4,280 |
| Net interest margin | 2.7272% | 3,927 |
| Noninterest income to average assets | 0.2322% | 4,011 |
| Noninterest expense to average assets | 2.3040% | 2,766 |
| Loan and lease loss provision to assets | 0.0369% | 2,256 |
| Net operating income to assets | 0.5455% | 4,122 |
| Return on assets (ROA) | 0.5382% | 4,190 |
| Pretax return on assets | 0.5419% | 4,322 |
| Return on Equity (ROE) | 6.4526% | 3,799 |
| Retained earnings to average equity (ytd only) | 2.9611% | 3,851 |
| Net charge-offs to loans | 0.0027% | 2,098 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 477.0000% | 273 |
| Efficiency ratio | 79.7194% | 804 |
| Assets per employee ($millions) | 4.8294% | 3,808 |
| Cash dividends to net income (ytd only)* | 54.1096% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 1,228 |
| Loan loss allowance to noncurrent loans | 613.9303% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 3,419 |
| Noncurrent loans to loans | 0.2641% | 2,993 |
| Net loans and leases to total assets | 45.6069% | 3,931 |
| Net loans and leases to deposits | 50.3445% | 4,087 |
| Net loans and leases to core deposits | 58.5572% | 3,722 |
| Total domestic deposits to total assets | 90.5896% | 525 |
| Equity capital to assets | 8.1485% | 4,457 |
| Core capital (leverage) ratio | 8.1451% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4514% | 1,237 |
| Memoranda: | ||
| Average total assets | $162,758,000 | 3,408 |
| Average earning assets | $158,623,333 | 3,322 |
| Average equity | $13,576,000 | 3,835 |
| Average total loans | $74,027,667 | 3,653 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8252% | 4,348 |
| Cost of funding earning assets | 0.1466% | 4,330 |
| Net interest margin | 2.6786% | 4,009 |
| Noninterest income to average assets | 0.2148% | 4,107 |
| Noninterest expense to average assets | 2.2884% | 2,828 |
| Loan and lease loss provision to assets | 0.0370% | 2,280 |
| Net operating income to assets | 0.5061% | 4,168 |
| Return on assets (ROA) | 0.5061% | 4,205 |
| Pretax return on assets | 0.5061% | 4,341 |
| Return on Equity (ROE) | 5.9968% | 3,860 |
| Retained earnings to average equity (ytd only) | 2.6327% | 3,891 |
| Net charge-offs to loans | -0.0055% | 3,425 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8195% | 767 |
| Assets per employee ($millions) | 4.4753% | 4,123 |
| Cash dividends to net income (ytd only)* | 56.0976% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 1,168 |
| Loan loss allowance to noncurrent loans | 189.5963% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 2,243 |
| Noncurrent loans to loans | 0.8706% | 1,548 |
| Net loans and leases to total assets | 43.9370% | 4,116 |
| Net loans and leases to deposits | 48.5208% | 4,242 |
| Net loans and leases to core deposits | 56.3613% | 3,951 |
| Total domestic deposits to total assets | 90.5530% | 563 |
| Equity capital to assets | 8.1540% | 4,395 |
| Core capital (leverage) ratio | 8.0908% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4923% | 1,168 |
| Memoranda: | ||
| Average total assets | $162,036,500 | 3,411 |
| Average earning assets | $158,289,000 | 3,328 |
| Average equity | $13,674,000 | 3,829 |
| Average total loans | $72,981,000 | 3,684 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1806% | 4,475 |
| Cost of funding earning assets | 0.3841% | 3,679 |
| Net interest margin | 2.7966% | 4,272 |
| Noninterest income to average assets | 0.2130% | 4,212 |
| Noninterest expense to average assets | 2.4741% | 2,929 |
| Loan and lease loss provision to assets | 0.0596% | 3,625 |
| Net operating income to assets | 0.3926% | 4,261 |
| Return on assets (ROA) | 0.3932% | 4,341 |
| Pretax return on assets | 0.3952% | 4,429 |
| Return on Equity (ROE) | 4.3912% | 4,063 |
| Retained earnings to average equity (ytd only) | 1.6613% | 3,968 |
| Net charge-offs to loans | 0.0239% | 2,564 |
| Credit loss provision to net charge-offs | 535.2941% | 1,198 |
| Earnings coverage of net charge-offs (x) | 40.7647% | 1,376 |
| Efficiency ratio | 84.4897% | 597 |
| Assets per employee ($millions) | 4.2834% | 4,137 |
| Cash dividends to net income (ytd only)* | 62.1667% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 1,093 |
| Loan loss allowance to noncurrent loans | 183.9695% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 2,345 |
| Noncurrent loans to loans | 0.9099% | 1,550 |
| Net loans and leases to total assets | 44.6614% | 4,213 |
| Net loans and leases to deposits | 49.6148% | 4,331 |
| Net loans and leases to core deposits | 58.4338% | 4,028 |
| Total domestic deposits to total assets | 90.0162% | 561 |
| Equity capital to assets | 8.7364% | 4,264 |
| Core capital (leverage) ratio | 8.2429% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0704% | 1,042 |
| Memoranda: | ||
| Average total assets | $152,581,000 | 3,374 |
| Average earning assets | $148,146,200 | 3,289 |
| Average equity | $13,663,800 | 3,801 |
| Average total loans | $71,228,600 | 3,706 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2692% | 4,517 |
| Cost of funding earning assets | 0.4510% | 3,526 |
| Net interest margin | 2.8182% | 4,312 |
| Noninterest income to average assets | 0.2021% | 4,262 |
| Noninterest expense to average assets | 2.5103% | 2,807 |
| Loan and lease loss provision to assets | 0.0602% | 3,587 |
| Net operating income to assets | 0.3583% | 4,344 |
| Return on assets (ROA) | 0.3600% | 4,399 |
| Pretax return on assets | 0.3627% | 4,471 |
| Return on Equity (ROE) | 3.9945% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.4098% | 4,111 |
| Net charge-offs to loans | 0.0375% | 2,094 |
| Credit loss provision to net charge-offs | 340.0000% | 1,637 |
| Earnings coverage of net charge-offs (x) | 23.8500% | 1,778 |
| Efficiency ratio | 85.6412% | 521 |
| Assets per employee ($millions) | 4.1312% | 4,213 |
| Cash dividends to net income (ytd only)* | 64.7059% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 1,047 |
| Loan loss allowance to noncurrent loans | 230.7241% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 2,839 |
| Noncurrent loans to loans | 0.7015% | 2,040 |
| Net loans and leases to total assets | 45.6477% | 4,333 |
| Net loans and leases to deposits | 50.8407% | 4,458 |
| Net loans and leases to core deposits | 60.0598% | 4,198 |
| Total domestic deposits to total assets | 89.7858% | 507 |
| Equity capital to assets | 8.8746% | 4,200 |
| Core capital (leverage) ratio | 8.3826% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9946% | 1,056 |
| Memoranda: | ||
| Average total assets | $151,104,750 | 3,373 |
| Average earning assets | $146,332,500 | 3,287 |
| Average equity | $13,618,250 | 3,807 |
| Average total loans | $71,039,000 | 3,727 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 4,587 |
| Cost of funding earning assets | 0.5698% | 3,128 |
| Net interest margin | 2.7839% | 4,473 |
| Noninterest income to average assets | 0.2306% | 4,105 |
| Noninterest expense to average assets | 2.5707% | 2,766 |
| Loan and lease loss provision to assets | 0.0563% | 3,595 |
| Net operating income to assets | 0.2991% | 4,425 |
| Return on assets (ROA) | 0.3017% | 4,460 |
| Pretax return on assets | 0.3057% | 4,530 |
| Return on Equity (ROE) | 3.3300% | 4,280 |
| Retained earnings to average equity (ytd only) | 0.3108% | 4,243 |
| Net charge-offs to loans | 0.0568% | 1,685 |
| Credit loss provision to net charge-offs | 210.0000% | 1,874 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 1,995 |
| Efficiency ratio | 87.7346% | 461 |
| Assets per employee ($millions) | 4.2069% | 4,102 |
| Cash dividends to net income (ytd only)* | 90.6667% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,023 |
| Loan loss allowance to noncurrent loans | 214.3123% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 2,690 |
| Noncurrent loans to loans | 0.7437% | 2,015 |
| Net loans and leases to total assets | 45.7329% | 4,377 |
| Net loans and leases to deposits | 50.8591% | 4,499 |
| Net loans and leases to core deposits | 60.1518% | 4,253 |
| Total domestic deposits to total assets | 89.9207% | 419 |
| Equity capital to assets | 8.8779% | 4,190 |
| Core capital (leverage) ratio | 8.5313% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0990% | 1,035 |
| Memoranda: | ||
| Average total assets | $149,144,000 | 3,374 |
| Average earning assets | $144,617,667 | 3,286 |
| Average equity | $13,513,667 | 3,821 |
| Average total loans | $70,438,667 | 3,747 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 4,540 |
| Cost of funding earning assets | 0.6224% | 3,318 |
| Net interest margin | 2.9679% | 4,337 |
| Noninterest income to average assets | 0.2522% | 4,039 |
| Noninterest expense to average assets | 2.7199% | 2,658 |
| Loan and lease loss provision to assets | 0.0576% | 3,040 |
| Net operating income to assets | 0.3427% | 4,254 |
| Return on assets (ROA) | 0.3427% | 4,286 |
| Pretax return on assets | 0.3510% | 4,379 |
| Return on Equity (ROE) | 3.7422% | 4,022 |
| Retained earnings to average equity (ytd only) | -0.0898% | 4,002 |
| Net charge-offs to loans | 0.1209% | 983 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 7.0952% | 1,945 |
| Efficiency ratio | 86.9413% | 641 |
| Assets per employee ($millions) | 4.0094% | 3,904 |
| Cash dividends to net income (ytd only)* | 102.4000% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 998 |
| Loan loss allowance to noncurrent loans | 220.4678% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 2,842 |
| Noncurrent loans to loans | 0.7389% | 2,155 |
| Net loans and leases to total assets | 46.0408% | 4,422 |
| Net loans and leases to deposits | 51.3777% | 4,549 |
| Net loans and leases to core deposits | 61.4085% | 4,297 |
| Total domestic deposits to total assets | 89.6123% | 441 |
| Equity capital to assets | 9.1487% | 4,506 |
| Core capital (leverage) ratio | 8.7795% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1189% | 966 |
| Memoranda: | ||
| Average total assets | $145,888,000 | 3,380 |
| Average earning assets | $141,378,000 | 3,290 |
| Average equity | $13,361,000 | 3,848 |
| Average total loans | $69,488,500 | 3,770 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,602 |
| Cost of funding earning assets | 0.6200% | 3,557 |
| Net interest margin | 3.1526% | 4,283 |
| Noninterest income to average assets | 0.2647% | 4,095 |
| Noninterest expense to average assets | 2.5813% | 3,231 |
| Loan and lease loss provision to assets | 0.0607% | 2,827 |
| Net operating income to assets | 0.6908% | 3,895 |
| Return on assets (ROA) | 0.6846% | 3,979 |
| Pretax return on assets | 0.6736% | 4,274 |
| Return on Equity (ROE) | 7.7732% | 3,262 |
| Retained earnings to average equity (ytd only) | 2.4345% | 3,808 |
| Net charge-offs to loans | 0.0131% | 3,219 |
| Credit loss provision to net charge-offs | 977.7778% | 358 |
| Earnings coverage of net charge-offs (x) | 119.3333% | 593 |
| Efficiency ratio | 77.7086% | 1,180 |
| Assets per employee ($millions) | 3.7744% | 4,182 |
| Cash dividends to net income (ytd only)* | 68.6808% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 921 |
| Loan loss allowance to noncurrent loans | 231.7623% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 2,900 |
| Noncurrent loans to loans | 0.7017% | 2,121 |
| Net loans and leases to total assets | 47.6995% | 4,442 |
| Net loans and leases to deposits | 53.1904% | 4,565 |
| Net loans and leases to core deposits | 63.6830% | 4,295 |
| Total domestic deposits to total assets | 89.6770% | 437 |
| Equity capital to assets | 9.1684% | 4,595 |
| Core capital (leverage) ratio | 8.9194% | 4,583 |
| Tier 1 risk-based capital ratio | 18.3436% | 1,682 |
| Total risk-based capital ratio | 19.5974% | 1,645 |
| Memoranda: | ||
| Average total assets | $145,045,000 | 3,366 |
| Average earning assets | $140,647,000 | 3,268 |
| Average equity | $12,774,600 | 3,906 |
| Average total loans | $68,446,400 | 3,805 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 4,692 |
| Cost of funding earning assets | 0.6065% | 3,663 |
| Net interest margin | 3.1789% | 4,347 |
| Noninterest income to average assets | 0.2677% | 4,139 |
| Noninterest expense to average assets | 2.5630% | 3,268 |
| Loan and lease loss provision to assets | 0.0596% | 2,702 |
| Net operating income to assets | 0.7223% | 3,937 |
| Return on assets (ROA) | 0.7141% | 4,038 |
| Pretax return on assets | 0.7168% | 4,309 |
| Return on Equity (ROE) | 8.1907% | 3,231 |
| Retained earnings to average equity (ytd only) | 2.3447% | 4,159 |
| Net charge-offs to loans | -0.0235% | 4,625 |
| Credit loss provision to net charge-offs | -541.6667% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5608% | 1,262 |
| Assets per employee ($millions) | 3.6598% | 4,322 |
| Cash dividends to net income (ytd only)* | 71.3731% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 898 |
| Loan loss allowance to noncurrent loans | 268.8095% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 3,404 |
| Noncurrent loans to loans | 0.6149% | 2,439 |
| Net loans and leases to total assets | 45.8860% | 4,604 |
| Net loans and leases to deposits | 51.0383% | 4,743 |
| Net loans and leases to core deposits | 60.7609% | 4,505 |
| Total domestic deposits to total assets | 89.9051% | 309 |
| Equity capital to assets | 8.9288% | 4,812 |
| Core capital (leverage) ratio | 8.9021% | 4,709 |
| Tier 1 risk-based capital ratio | 18.0051% | 1,813 |
| Total risk-based capital ratio | 19.2596% | 1,765 |
| Memoranda: | ||
| Average total assets | $145,449,500 | 3,390 |
| Average earning assets | $140,926,500 | 3,300 |
| Average equity | $12,680,750 | 3,956 |
| Average total loans | $68,171,750 | 3,848 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 4,717 |
| Cost of funding earning assets | 0.5825% | 3,739 |
| Net interest margin | 3.2093% | 4,345 |
| Noninterest income to average assets | 0.2563% | 4,217 |
| Noninterest expense to average assets | 2.5094% | 3,441 |
| Loan and lease loss provision to assets | 0.0606% | 2,611 |
| Net operating income to assets | 0.7950% | 3,675 |
| Return on assets (ROA) | 0.7827% | 3,778 |
| Pretax return on assets | 0.7868% | 4,126 |
| Return on Equity (ROE) | 9.0513% | 2,831 |
| Retained earnings to average equity (ytd only) | 2.7250% | 3,838 |
| Net charge-offs to loans | -0.0176% | 4,510 |
| Credit loss provision to net charge-offs | -733.3333% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4785% | 1,583 |
| Assets per employee ($millions) | 3.6837% | 4,268 |
| Cash dividends to net income (ytd only)* | 69.8944% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 992 |
| Loan loss allowance to noncurrent loans | 352.0767% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 3,701 |
| Noncurrent loans to loans | 0.4596% | 2,903 |
| Net loans and leases to total assets | 46.6373% | 4,619 |
| Net loans and leases to deposits | 51.7750% | 4,748 |
| Net loans and leases to core deposits | 61.8100% | 4,509 |
| Total domestic deposits to total assets | 90.0770% | 312 |
| Equity capital to assets | 8.9812% | 4,808 |
| Core capital (leverage) ratio | 8.7375% | 4,811 |
| Tier 1 risk-based capital ratio | 18.0559% | 1,794 |
| Total risk-based capital ratio | 19.3092% | 1,746 |
| Memoranda: | ||
| Average total assets | $145,135,670 | 3,413 |
| Average earning assets | $140,779,330 | 3,315 |
| Average equity | $12,550,670 | 3,979 |
| Average total loans | $68,128,330 | 3,874 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,750 |
| Cost of funding earning assets | 0.5567% | 3,796 |
| Net interest margin | 3.2133% | 4,365 |
| Noninterest income to average assets | 0.2386% | 4,297 |
| Noninterest expense to average assets | 2.4542% | 3,622 |
| Loan and lease loss provision to assets | 0.0631% | 2,400 |
| Net operating income to assets | 0.8309% | 3,516 |
| Return on assets (ROA) | 0.8309% | 3,553 |
| Pretax return on assets | 0.8391% | 3,946 |
| Return on Equity (ROE) | 9.7943% | 2,451 |
| Retained earnings to average equity (ytd only) | 2.8446% | 3,798 |
| Net charge-offs to loans | -0.0352% | 4,706 |
| Credit loss provision to net charge-offs | -383.3333% | 3,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1209% | 1,863 |
| Assets per employee ($millions) | 3.7159% | 4,327 |
| Cash dividends to net income (ytd only)* | 70.9571% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 1,037 |
| Loan loss allowance to noncurrent loans | 354.4262% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 3,793 |
| Noncurrent loans to loans | 0.4549% | 2,955 |
| Net loans and leases to total assets | 44.3859% | 4,732 |
| Net loans and leases to deposits | 49.0630% | 4,848 |
| Net loans and leases to core deposits | 58.7471% | 4,615 |
| Total domestic deposits to total assets | 90.4673% | 299 |
| Equity capital to assets | 8.3924% | 5,046 |
| Core capital (leverage) ratio | 8.5858% | 4,955 |
| Tier 1 risk-based capital ratio | 16.8633% | 2,151 |
| Total risk-based capital ratio | 18.1159% | 2,100 |
| Memoranda: | ||
| Average total assets | $145,870,500 | 3,435 |
| Average earning assets | $141,538,000 | 3,351 |
| Average equity | $12,374,500 | 4,021 |
| Average total loans | $68,140,500 | 3,914 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7047% | 4,665 |
| Cost of funding earning assets | 0.4069% | 3,947 |
| Net interest margin | 3.2979% | 4,262 |
| Noninterest income to average assets | 0.2800% | 4,228 |
| Noninterest expense to average assets | 2.4575% | 3,734 |
| Loan and lease loss provision to assets | 0.0585% | 2,994 |
| Net operating income to assets | 0.9710% | 3,133 |
| Return on assets (ROA) | 0.9710% | 3,132 |
| Pretax return on assets | 0.9655% | 3,712 |
| Return on Equity (ROE) | 11.6594% | 1,839 |
| Retained earnings to average equity (ytd only) | 4.9599% | 2,786 |
| Net charge-offs to loans | 0.0470% | 2,496 |
| Credit loss provision to net charge-offs | 262.5000% | 1,144 |
| Earnings coverage of net charge-offs (x) | 45.9375% | 1,198 |
| Efficiency ratio | 70.5882% | 2,094 |
| Assets per employee ($millions) | 3.6694% | 4,366 |
| Cash dividends to net income (ytd only)* | 57.4605% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,222 |
| Loan loss allowance to noncurrent loans | 284.8649% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 3,551 |
| Noncurrent loans to loans | 0.5345% | 2,669 |
| Net loans and leases to total assets | 47.6381% | 4,664 |
| Net loans and leases to deposits | 52.7990% | 4,796 |
| Net loans and leases to core deposits | 63.3225% | 4,483 |
| Total domestic deposits to total assets | 90.2254% | 406 |
| Equity capital to assets | 8.5776% | 4,879 |
| Core capital (leverage) ratio | 8.6914% | 4,887 |
| Tier 1 risk-based capital ratio | 16.5911% | 2,209 |
| Total risk-based capital ratio | 17.8427% | 2,157 |
| Memoranda: | ||
| Average total assets | $143,557,800 | 3,459 |
| Average earning assets | $139,362,200 | 3,364 |
| Average equity | $11,956,000 | 4,034 |
| Average total loans | $68,139,200 | 3,912 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 4,667 |
| Cost of funding earning assets | 0.3873% | 3,955 |
| Net interest margin | 3.3040% | 4,267 |
| Noninterest income to average assets | 0.2738% | 4,323 |
| Noninterest expense to average assets | 2.4556% | 3,716 |
| Loan and lease loss provision to assets | 0.0585% | 2,804 |
| Net operating income to assets | 0.9605% | 3,265 |
| Return on assets (ROA) | 0.9605% | 3,281 |
| Pretax return on assets | 0.9661% | 3,832 |
| Return on Equity (ROE) | 11.6196% | 1,947 |
| Retained earnings to average equity (ytd only) | 4.9959% | 3,238 |
| Net charge-offs to loans | 0.0511% | 2,103 |
| Credit loss provision to net charge-offs | 242.3077% | 1,207 |
| Earnings coverage of net charge-offs (x) | 42.4563% | 1,305 |
| Efficiency ratio | 70.5600% | 2,108 |
| Assets per employee ($millions) | 3.8421% | 4,119 |
| Cash dividends to net income (ytd only)* | 57.0049% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,260 |
| Loan loss allowance to noncurrent loans | 288.6111% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 3,725 |
| Noncurrent loans to loans | 0.5294% | 2,793 |
| Net loans and leases to total assets | 45.8626% | 4,809 |
| Net loans and leases to deposits | 50.4540% | 4,941 |
| Net loans and leases to core deposits | 60.3278% | 4,688 |
| Total domestic deposits to total assets | 90.8999% | 243 |
| Equity capital to assets | 8.1596% | 5,106 |
| Core capital (leverage) ratio | 8.5199% | 5,088 |
| Tier 1 risk-based capital ratio | 16.4102% | 2,299 |
| Total risk-based capital ratio | 17.6616% | 2,239 |
| Memoranda: | ||
| Average total assets | $143,670,750 | 3,495 |
| Average earning assets | $139,422,750 | 3,396 |
| Average equity | $11,876,250 | 4,085 |
| Average total loans | $67,867,250 | 3,952 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,549 |
| Cost of funding earning assets | 0.3573% | 4,027 |
| Net interest margin | 3.3586% | 4,078 |
| Noninterest income to average assets | 0.2659% | 4,406 |
| Noninterest expense to average assets | 2.5081% | 3,612 |
| Loan and lease loss provision to assets | 0.0588% | 2,728 |
| Net operating income to assets | 0.9573% | 3,204 |
| Return on assets (ROA) | 0.9573% | 3,210 |
| Pretax return on assets | 0.9615% | 3,770 |
| Return on Equity (ROE) | 11.5307% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.3439% | 2,912 |
| Net charge-offs to loans | 0.0295% | 2,270 |
| Credit loss provision to net charge-offs | 420.0000% | 794 |
| Earnings coverage of net charge-offs (x) | 72.9000% | 883 |
| Efficiency ratio | 71.0829% | 2,149 |
| Assets per employee ($millions) | 3.6727% | 4,382 |
| Cash dividends to net income (ytd only)* | 53.6550% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,214 |
| Loan loss allowance to noncurrent loans | 723.0769% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 4,497 |
| Noncurrent loans to loans | 0.2156% | 3,950 |
| Net loans and leases to total assets | 45.5859% | 4,846 |
| Net loans and leases to deposits | 50.2111% | 4,977 |
| Net loans and leases to core deposits | 60.1941% | 4,694 |
| Total domestic deposits to total assets | 90.7886% | 306 |
| Equity capital to assets | 8.3045% | 5,072 |
| Core capital (leverage) ratio | 8.5192% | 5,092 |
| Tier 1 risk-based capital ratio | 16.5165% | 2,254 |
| Total risk-based capital ratio | 17.7676% | 2,196 |
| Memoranda: | ||
| Average total assets | $142,894,670 | 3,528 |
| Average earning assets | $138,809,330 | 3,427 |
| Average equity | $11,864,000 | 4,108 |
| Average total loans | $67,823,670 | 3,978 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 4,647 |
| Cost of funding earning assets | 0.3261% | 4,159 |
| Net interest margin | 3.3011% | 4,186 |
| Noninterest income to average assets | 0.2634% | 4,421 |
| Noninterest expense to average assets | 2.5251% | 3,572 |
| Loan and lease loss provision to assets | 0.0589% | 2,593 |
| Net operating income to assets | 0.8772% | 3,378 |
| Return on assets (ROA) | 0.8772% | 3,395 |
| Pretax return on assets | 0.8856% | 3,895 |
| Return on Equity (ROE) | 10.5667% | 2,143 |
| Retained earnings to average equity (ytd only) | 4.5238% | 3,393 |
| Net charge-offs to loans | 0.0700% | 1,418 |
| Credit loss provision to net charge-offs | 175.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 28.0833% | 1,281 |
| Efficiency ratio | 72.7787% | 2,074 |
| Assets per employee ($millions) | 3.6342% | 4,496 |
| Cash dividends to net income (ytd only)* | 57.1885% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,600 |
| Loan loss allowance to noncurrent loans | 277.7473% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 3,867 |
| Noncurrent loans to loans | 0.5271% | 2,943 |
| Net loans and leases to total assets | 46.8136% | 4,761 |
| Net loans and leases to deposits | 51.3647% | 4,909 |
| Net loans and leases to core deposits | 61.3404% | 4,593 |
| Total domestic deposits to total assets | 91.1396% | 275 |
| Equity capital to assets | 8.1209% | 5,222 |
| Core capital (leverage) ratio | 8.3280% | 5,243 |
| Tier 1 risk-based capital ratio | 15.7648% | 2,567 |
| Total risk-based capital ratio | 17.0159% | 2,519 |
| Memoranda: | ||
| Average total assets | $142,724,500 | 3,564 |
| Average earning assets | $138,621,000 | 3,472 |
| Average equity | $11,848,500 | 4,149 |
| Average total loans | $68,571,000 | 3,994 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5961% | 4,582 |
| Cost of funding earning assets | 0.3298% | 3,877 |
| Net interest margin | 3.2663% | 4,264 |
| Noninterest income to average assets | 0.2961% | 4,334 |
| Noninterest expense to average assets | 2.5150% | 3,732 |
| Loan and lease loss provision to assets | 0.0678% | 2,848 |
| Net operating income to assets | 0.8671% | 2,881 |
| Return on assets (ROA) | 0.8656% | 2,908 |
| Pretax return on assets | 0.8678% | 4,022 |
| Return on Equity (ROE) | 10.3814% | 1,729 |
| Retained earnings to average equity (ytd only) | 4.5085% | 2,446 |
| Net charge-offs to loans | 0.0602% | 2,609 |
| Credit loss provision to net charge-offs | 228.5714% | 1,212 |
| Earnings coverage of net charge-offs (x) | 31.5714% | 1,496 |
| Efficiency ratio | 72.8557% | 2,088 |
| Assets per employee ($millions) | 3.5021% | 4,694 |
| Cash dividends to net income (ytd only)* | 56.5714% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,504 |
| Loan loss allowance to noncurrent loans | 309.2593% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 3,982 |
| Noncurrent loans to loans | 0.4759% | 3,083 |
| Net loans and leases to total assets | 47.8845% | 4,775 |
| Net loans and leases to deposits | 52.8165% | 4,943 |
| Net loans and leases to core deposits | 63.5142% | 4,568 |
| Total domestic deposits to total assets | 90.6620% | 347 |
| Equity capital to assets | 8.4893% | 5,133 |
| Core capital (leverage) ratio | 8.2809% | 5,297 |
| Tier 1 risk-based capital ratio | 15.9653% | 2,439 |
| Total risk-based capital ratio | 17.2159% | 2,383 |
| Memoranda: | ||
| Average total assets | $141,513,400 | 3,593 |
| Average earning assets | $136,731,400 | 3,496 |
| Average equity | $11,800,000 | 4,173 |
| Average total loans | $69,714,000 | 3,970 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 4,578 |
| Cost of funding earning assets | 0.3263% | 3,880 |
| Net interest margin | 3.2678% | 4,267 |
| Noninterest income to average assets | 0.3045% | 4,355 |
| Noninterest expense to average assets | 2.5187% | 3,669 |
| Loan and lease loss provision to assets | 0.0639% | 2,791 |
| Net operating income to assets | 0.8721% | 3,166 |
| Return on assets (ROA) | 0.8703% | 3,221 |
| Pretax return on assets | 0.8731% | 4,132 |
| Return on Equity (ROE) | 10.4835% | 1,914 |
| Retained earnings to average equity (ytd only) | 4.8568% | 2,984 |
| Net charge-offs to loans | 0.0551% | 2,346 |
| Credit loss provision to net charge-offs | 234.4828% | 1,190 |
| Earnings coverage of net charge-offs (x) | 34.4445% | 1,442 |
| Efficiency ratio | 72.8459% | 2,062 |
| Assets per employee ($millions) | 3.8378% | 4,251 |
| Cash dividends to net income (ytd only)* | 53.6715% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 1,744 |
| Loan loss allowance to noncurrent loans | 474.5192% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,960 |
| Noncurrent loans to loans | 0.3031% | 3,853 |
| Net loans and leases to total assets | 46.3850% | 4,918 |
| Net loans and leases to deposits | 51.1296% | 5,086 |
| Net loans and leases to core deposits | 61.0075% | 4,767 |
| Total domestic deposits to total assets | 90.7205% | 251 |
| Equity capital to assets | 8.2886% | 5,399 |
| Core capital (leverage) ratio | 8.2509% | 5,394 |
| Tier 1 risk-based capital ratio | 15.5926% | 2,675 |
| Total risk-based capital ratio | 16.8429% | 2,614 |
| Memoranda: | ||
| Average total assets | $141,871,000 | 3,621 |
| Average earning assets | $136,889,500 | 3,523 |
| Average equity | $11,777,000 | 4,222 |
| Average total loans | $70,122,500 | 3,990 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 4,610 |
| Cost of funding earning assets | 0.3244% | 3,847 |
| Net interest margin | 3.2364% | 4,306 |
| Noninterest income to average assets | 0.3045% | 4,357 |
| Noninterest expense to average assets | 2.5116% | 3,708 |
| Loan and lease loss provision to assets | 0.0598% | 2,769 |
| Net operating income to assets | 0.8524% | 3,146 |
| Return on assets (ROA) | 0.8524% | 3,196 |
| Pretax return on assets | 0.8566% | 4,083 |
| Return on Equity (ROE) | 10.2627% | 1,927 |
| Retained earnings to average equity (ytd only) | 4.6602% | 2,941 |
| Net charge-offs to loans | -0.0028% | 4,222 |
| Credit loss provision to net charge-offs | -4,200.0000% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2669% | 2,139 |
| Assets per employee ($millions) | 3.7607% | 4,338 |
| Cash dividends to net income (ytd only)* | 54.5910% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,783 |
| Loan loss allowance to noncurrent loans | 154.8438% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 3,323 |
| Noncurrent loans to loans | 0.9292% | 2,112 |
| Net loans and leases to total assets | 47.5029% | 4,851 |
| Net loans and leases to deposits | 52.3974% | 5,044 |
| Net loans and leases to core deposits | 62.6523% | 4,685 |
| Total domestic deposits to total assets | 90.6590% | 310 |
| Equity capital to assets | 8.3481% | 5,386 |
| Core capital (leverage) ratio | 8.1617% | 5,451 |
| Tier 1 risk-based capital ratio | 15.4936% | 2,707 |
| Total risk-based capital ratio | 16.7448% | 2,640 |
| Memoranda: | ||
| Average total assets | $140,548,670 | 3,655 |
| Average earning assets | $135,643,670 | 3,563 |
| Average equity | $11,673,330 | 4,247 |
| Average total loans | $70,618,670 | 3,995 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5707% | 4,491 |
| Cost of funding earning assets | 0.3186% | 3,865 |
| Net interest margin | 3.2520% | 4,168 |
| Noninterest income to average assets | 0.3100% | 4,334 |
| Noninterest expense to average assets | 2.4740% | 3,897 |
| Loan and lease loss provision to assets | 0.0574% | 2,656 |
| Net operating income to assets | 0.9041% | 2,737 |
| Return on assets (ROA) | 0.9041% | 2,794 |
| Pretax return on assets | 0.9127% | 3,717 |
| Return on Equity (ROE) | 10.9138% | 1,598 |
| Retained earnings to average equity (ytd only) | 6.1325% | 2,267 |
| Net charge-offs to loans | -0.0056% | 4,220 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8333% | 2,605 |
| Assets per employee ($millions) | 3.5627% | 4,696 |
| Cash dividends to net income (ytd only)* | 43.8095% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 2,128 |
| Loan loss allowance to noncurrent loans | 141.8741% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 3,299 |
| Noncurrent loans to loans | 0.9771% | 2,093 |
| Net loans and leases to total assets | 48.3689% | 4,792 |
| Net loans and leases to deposits | 53.2003% | 4,981 |
| Net loans and leases to core deposits | 63.6035% | 4,561 |
| Total domestic deposits to total assets | 90.9183% | 322 |
| Equity capital to assets | 8.2017% | 5,414 |
| Core capital (leverage) ratio | 8.3768% | 5,324 |
| Tier 1 risk-based capital ratio | 15.2679% | 2,848 |
| Total risk-based capital ratio | 16.5187% | 2,781 |
| Memoranda: | ||
| Average total assets | $139,369,500 | 3,704 |
| Average earning assets | $134,317,000 | 3,618 |
| Average equity | $11,545,000 | 4,297 |
| Average total loans | $71,490,000 | 4,017 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 4,569 |
| Cost of funding earning assets | 0.3394% | 3,640 |
| Net interest margin | 3.2383% | 4,335 |
| Noninterest income to average assets | 0.2568% | 4,884 |
| Noninterest expense to average assets | 2.5106% | 3,971 |
| Loan and lease loss provision to assets | 0.0553% | 3,275 |
| Net operating income to assets | 0.8300% | 3,159 |
| Return on assets (ROA) | 0.9811% | 2,537 |
| Pretax return on assets | 0.9762% | 3,555 |
| Return on Equity (ROE) | 11.6094% | 1,364 |
| Retained earnings to average equity (ytd only) | 4.4910% | 2,715 |
| Net charge-offs to loans | 0.0304% | 3,413 |
| Credit loss provision to net charge-offs | 354.5455% | 865 |
| Earnings coverage of net charge-offs (x) | 56.4091% | 941 |
| Efficiency ratio | 74.0377% | 2,286 |
| Assets per employee ($millions) | 3.4058% | 4,898 |
| Cash dividends to net income (ytd only)* | 61.3160% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,561 |
| Loan loss allowance to noncurrent loans | 239.3939% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 4,113 |
| Noncurrent loans to loans | 0.5419% | 3,222 |
| Net loans and leases to total assets | 52.9494% | 4,533 |
| Net loans and leases to deposits | 58.1641% | 4,774 |
| Net loans and leases to core deposits | 69.6651% | 4,268 |
| Total domestic deposits to total assets | 91.0344% | 271 |
| Equity capital to assets | 8.3695% | 5,371 |
| Core capital (leverage) ratio | 8.1560% | 5,528 |
| Tier 1 risk-based capital ratio | 14.9496% | 2,988 |
| Total risk-based capital ratio | 16.1854% | 2,934 |
| Memoranda: | ||
| Average total assets | $140,960,400 | 3,653 |
| Average earning assets | $136,430,000 | 3,546 |
| Average equity | $11,912,800 | 4,261 |
| Average total loans | $72,476,800 | 3,979 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 4,672 |
| Cost of funding earning assets | 0.3384% | 3,669 |
| Net interest margin | 3.2165% | 4,440 |
| Noninterest income to average assets | 0.2795% | 4,770 |
| Noninterest expense to average assets | 2.4510% | 4,131 |
| Loan and lease loss provision to assets | 0.0553% | 3,147 |
| Net operating income to assets | 0.8817% | 3,002 |
| Return on assets (ROA) | 1.0825% | 2,175 |
| Pretax return on assets | 1.0853% | 3,295 |
| Return on Equity (ROE) | 12.7788% | 1,112 |
| Retained earnings to average equity (ytd only) | 6.6995% | 1,785 |
| Net charge-offs to loans | 0.0148% | 3,436 |
| Credit loss provision to net charge-offs | 737.5000% | 543 |
| Earnings coverage of net charge-offs (x) | 125.2081% | 555 |
| Efficiency ratio | 72.2822% | 2,537 |
| Assets per employee ($millions) | 3.5260% | 4,742 |
| Cash dividends to net income (ytd only)* | 47.5735% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,713 |
| Loan loss allowance to noncurrent loans | 145.7496% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 3,585 |
| Noncurrent loans to loans | 0.8883% | 2,483 |
| Net loans and leases to total assets | 50.9760% | 4,735 |
| Net loans and leases to deposits | 56.4063% | 4,966 |
| Net loans and leases to core deposits | 68.1744% | 4,458 |
| Total domestic deposits to total assets | 90.3729% | 355 |
| Equity capital to assets | 8.6770% | 5,415 |
| Core capital (leverage) ratio | 8.1709% | 5,592 |
| Tier 1 risk-based capital ratio | 14.7445% | 3,166 |
| Total risk-based capital ratio | 15.9495% | 3,128 |
| Memoranda: | ||
| Average total assets | $142,142,500 | 3,651 |
| Average earning assets | $137,494,250 | 3,548 |
| Average equity | $12,040,500 | 4,285 |
| Average total loans | $72,325,500 | 4,011 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5497% | 4,746 |
| Cost of funding earning assets | 0.3393% | 3,699 |
| Net interest margin | 3.2104% | 4,511 |
| Noninterest income to average assets | 0.2596% | 4,924 |
| Noninterest expense to average assets | 2.4223% | 4,260 |
| Loan and lease loss provision to assets | 0.0547% | 3,055 |
| Net operating income to assets | 0.8855% | 2,934 |
| Return on assets (ROA) | 0.9206% | 2,900 |
| Pretax return on assets | 0.9248% | 3,858 |
| Return on Equity (ROE) | 10.9565% | 1,664 |
| Retained earnings to average equity (ytd only) | 5.3112% | 2,537 |
| Net charge-offs to loans | 0.0222% | 3,050 |
| Credit loss provision to net charge-offs | 487.5000% | 670 |
| Earnings coverage of net charge-offs (x) | 84.1250% | 679 |
| Efficiency ratio | 71.9466% | 2,666 |
| Assets per employee ($millions) | 3.5510% | 4,677 |
| Cash dividends to net income (ytd only)* | 51.5244% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 3,056 |
| Loan loss allowance to noncurrent loans | 230.1746% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 4,365 |
| Noncurrent loans to loans | 0.5440% | 3,438 |
| Net loans and leases to total assets | 51.2454% | 4,742 |
| Net loans and leases to deposits | 56.8162% | 4,961 |
| Net loans and leases to core deposits | 68.7876% | 4,416 |
| Total domestic deposits to total assets | 90.1950% | 415 |
| Equity capital to assets | 8.6623% | 5,507 |
| Core capital (leverage) ratio | 7.8772% | 5,791 |
| Tier 1 risk-based capital ratio | 14.3062% | 3,433 |
| Total risk-based capital ratio | 15.4799% | 3,397 |
| Memoranda: | ||
| Average total assets | $142,510,330 | 3,665 |
| Average earning assets | $137,927,670 | 3,567 |
| Average equity | $11,974,670 | 4,322 |
| Average total loans | $72,154,330 | 4,037 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 4,765 |
| Cost of funding earning assets | 0.3414% | 3,698 |
| Net interest margin | 3.2084% | 4,555 |
| Noninterest income to average assets | 0.2522% | 4,944 |
| Noninterest expense to average assets | 2.4659% | 4,177 |
| Loan and lease loss provision to assets | 0.0560% | 2,824 |
| Net operating income to assets | 0.8296% | 3,097 |
| Return on assets (ROA) | 0.8491% | 3,122 |
| Pretax return on assets | 0.8575% | 4,013 |
| Return on Equity (ROE) | 10.2625% | 1,868 |
| Retained earnings to average equity (ytd only) | 4.9788% | 2,954 |
| Net charge-offs to loans | 0.0504% | 2,031 |
| Credit loss provision to net charge-offs | 222.2222% | 1,013 |
| Earnings coverage of net charge-offs (x) | 35.4444% | 1,081 |
| Efficiency ratio | 73.3945% | 2,576 |
| Assets per employee ($millions) | 3.4954% | 4,820 |
| Cash dividends to net income (ytd only)* | 51.4851% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 3,112 |
| Loan loss allowance to noncurrent loans | 912.1212% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 5,317 |
| Noncurrent loans to loans | 0.1382% | 4,923 |
| Net loans and leases to total assets | 49.3563% | 4,853 |
| Net loans and leases to deposits | 54.4674% | 5,076 |
| Net loans and leases to core deposits | 65.7480% | 4,548 |
| Total domestic deposits to total assets | 90.6162% | 392 |
| Equity capital to assets | 8.3259% | 5,680 |
| Core capital (leverage) ratio | 7.7843% | 5,855 |
| Tier 1 risk-based capital ratio | 14.1877% | 3,571 |
| Total risk-based capital ratio | 15.3438% | 3,557 |
| Memoranda: | ||
| Average total assets | $142,745,500 | 3,689 |
| Average earning assets | $138,260,500 | 3,585 |
| Average equity | $11,810,000 | 4,363 |
| Average total loans | $71,375,500 | 4,080 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4844% | 4,961 |
| Cost of funding earning assets | 0.3666% | 3,516 |
| Net interest margin | 3.1178% | 4,857 |
| Noninterest income to average assets | 0.2638% | 4,992 |
| Noninterest expense to average assets | 2.5805% | 3,993 |
| Loan and lease loss provision to assets | 0.0532% | 3,252 |
| Net operating income to assets | 0.6453% | 4,057 |
| Return on assets (ROA) | 0.6460% | 4,148 |
| Pretax return on assets | 0.6460% | 4,686 |
| Return on Equity (ROE) | 7.9834% | 2,966 |
| Retained earnings to average equity (ytd only) | 4.5569% | 2,738 |
| Net charge-offs to loans | 0.0088% | 4,147 |
| Credit loss provision to net charge-offs | 1,250.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 164.1667% | 394 |
| Efficiency ratio | 78.6981% | 1,860 |
| Assets per employee ($millions) | 3.4678% | 4,883 |
| Cash dividends to net income (ytd only)* | 42.9199% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 3,142 |
| Loan loss allowance to noncurrent loans | 810.9091% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 5,319 |
| Noncurrent loans to loans | 0.1547% | 4,875 |
| Net loans and leases to total assets | 49.3902% | 4,921 |
| Net loans and leases to deposits | 54.4010% | 5,142 |
| Net loans and leases to core deposits | 65.9724% | 4,595 |
| Total domestic deposits to total assets | 90.7891% | 340 |
| Equity capital to assets | 8.2206% | 5,750 |
| Core capital (leverage) ratio | 7.8390% | 5,895 |
| Tier 1 risk-based capital ratio | 14.1385% | 3,645 |
| Total risk-based capital ratio | 15.2920% | 3,614 |
| Memoranda: | ||
| Average total assets | $141,020,600 | 3,707 |
| Average earning assets | $136,378,200 | 3,589 |
| Average equity | $11,411,200 | 4,404 |
| Average total loans | $67,960,400 | 4,142 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4836% | 5,018 |
| Cost of funding earning assets | 0.3775% | 3,469 |
| Net interest margin | 3.1061% | 4,947 |
| Noninterest income to average assets | 0.2605% | 5,080 |
| Noninterest expense to average assets | 2.5921% | 3,911 |
| Loan and lease loss provision to assets | 0.0531% | 3,134 |
| Net operating income to assets | 0.6168% | 4,302 |
| Return on assets (ROA) | 0.6177% | 4,402 |
| Pretax return on assets | 0.6177% | 4,934 |
| Return on Equity (ROE) | 7.6645% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.5846% | 3,209 |
| Net charge-offs to loans | 0.0060% | 3,970 |
| Credit loss provision to net charge-offs | 1,866.6667% | 200 |
| Earnings coverage of net charge-offs (x) | 235.6600% | 304 |
| Efficiency ratio | 79.4656% | 1,736 |
| Assets per employee ($millions) | 3.3151% | 5,100 |
| Cash dividends to net income (ytd only)* | 40.1836% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 3,297 |
| Loan loss allowance to noncurrent loans | 334.3511% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 4,999 |
| Noncurrent loans to loans | 0.3773% | 4,262 |
| Net loans and leases to total assets | 49.2480% | 4,992 |
| Net loans and leases to deposits | 54.7486% | 5,202 |
| Net loans and leases to core deposits | 66.0817% | 4,681 |
| Total domestic deposits to total assets | 89.9530% | 590 |
| Equity capital to assets | 8.3032% | 5,828 |
| Core capital (leverage) ratio | 7.8067% | 5,977 |
| Tier 1 risk-based capital ratio | 14.3239% | 3,665 |
| Total risk-based capital ratio | 15.4829% | 3,642 |
| Memoranda: | ||
| Average total assets | $140,730,750 | 3,746 |
| Average earning assets | $135,987,500 | 3,627 |
| Average equity | $11,342,000 | 4,472 |
| Average total loans | $67,171,750 | 4,203 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,110 |
| Cost of funding earning assets | 0.3766% | 3,536 |
| Net interest margin | 3.0729% | 5,032 |
| Noninterest income to average assets | 0.2535% | 5,133 |
| Noninterest expense to average assets | 2.5519% | 4,065 |
| Loan and lease loss provision to assets | 0.0552% | 3,006 |
| Net operating income to assets | 0.6160% | 4,267 |
| Return on assets (ROA) | 0.6174% | 4,383 |
| Pretax return on assets | 0.6174% | 4,936 |
| Return on Equity (ROE) | 7.7380% | 3,193 |
| Retained earnings to average equity (ytd only) | 5.4131% | 2,593 |
| Net charge-offs to loans | -0.0120% | 4,984 |
| Credit loss provision to net charge-offs | -975.0000% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1740% | 1,883 |
| Assets per employee ($millions) | 3.3214% | 5,127 |
| Cash dividends to net income (ytd only)* | 30.0459% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 3,363 |
| Loan loss allowance to noncurrent loans | 475.8242% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 5,333 |
| Noncurrent loans to loans | 0.2683% | 4,709 |
| Net loans and leases to total assets | 48.0111% | 5,106 |
| Net loans and leases to deposits | 53.2278% | 5,303 |
| Net loans and leases to core deposits | 64.1763% | 4,796 |
| Total domestic deposits to total assets | 90.1992% | 577 |
| Equity capital to assets | 8.0660% | 5,954 |
| Core capital (leverage) ratio | 7.6513% | 6,053 |
| Tier 1 risk-based capital ratio | 14.3956% | 3,703 |
| Total risk-based capital ratio | 15.5562% | 3,679 |
| Memoranda: | ||
| Average total assets | $141,229,000 | 3,763 |
| Average earning assets | $136,484,000 | 3,651 |
| Average equity | $11,269,000 | 4,518 |
| Average total loans | $66,413,330 | 4,260 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 5,173 |
| Cost of funding earning assets | 0.3691% | 3,659 |
| Net interest margin | 3.0431% | 5,097 |
| Noninterest income to average assets | 0.2449% | 5,217 |
| Noninterest expense to average assets | 2.5279% | 4,180 |
| Loan and lease loss provision to assets | 0.0619% | 2,692 |
| Net operating income to assets | 0.6024% | 4,283 |
| Return on assets (ROA) | 0.6109% | 4,329 |
| Pretax return on assets | 0.6109% | 4,887 |
| Return on Equity (ROE) | 7.6967% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.6967% | 1,688 |
| Net charge-offs to loans | 0.0548% | 2,223 |
| Credit loss provision to net charge-offs | 244.4444% | 931 |
| Earnings coverage of net charge-offs (x) | 26.2222% | 1,245 |
| Efficiency ratio | 79.1887% | 2,005 |
| Assets per employee ($millions) | 3.4151% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 3,606 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,721 |
| Noncurrent loans to loans | 0.1150% | 5,353 |
| Net loans and leases to total assets | 45.4844% | 5,238 |
| Net loans and leases to deposits | 50.3721% | 5,435 |
| Net loans and leases to core deposits | 60.3988% | 4,964 |
| Total domestic deposits to total assets | 90.2967% | 608 |
| Equity capital to assets | 7.9799% | 6,039 |
| Core capital (leverage) ratio | 7.6126% | 6,108 |
| Tier 1 risk-based capital ratio | 14.3490% | 3,801 |
| Total risk-based capital ratio | 15.4750% | 3,791 |
| Memoranda: | ||
| Average total assets | $142,094,000 | 3,774 |
| Average earning assets | $137,622,500 | 3,662 |
| Average equity | $11,277,500 | 4,546 |
| Average total loans | $65,699,500 | 4,305 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 5,208 |
| Cost of funding earning assets | 0.3718% | 4,017 |
| Net interest margin | 3.1786% | 4,990 |
| Noninterest income to average assets | 0.2685% | 5,201 |
| Noninterest expense to average assets | 2.6003% | 4,219 |
| Loan and lease loss provision to assets | 0.0550% | 3,450 |
| Net operating income to assets | 0.6910% | 3,941 |
| Return on assets (ROA) | 0.6977% | 4,023 |
| Pretax return on assets | 0.6977% | 4,638 |
| Return on Equity (ROE) | 9.1905% | 2,487 |
| Retained earnings to average equity (ytd only) | 3.7330% | 3,560 |
| Net charge-offs to loans | 0.0356% | 4,122 |
| Credit loss provision to net charge-offs | 336.3636% | 781 |
| Earnings coverage of net charge-offs (x) | 45.5909% | 994 |
| Efficiency ratio | 77.7062% | 2,250 |
| Assets per employee ($millions) | 3.3512% | 5,165 |
| Cash dividends to net income (ytd only)* | 59.3817% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,667 |
| Loan loss allowance to noncurrent loans | 1,068.8312% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 5,798 |
| Noncurrent loans to loans | 0.1179% | 5,424 |
| Net loans and leases to total assets | 45.8246% | 5,337 |
| Net loans and leases to deposits | 50.6073% | 5,551 |
| Net loans and leases to core deposits | 54.9161% | 5,449 |
| Total domestic deposits to total assets | 90.5493% | 522 |
| Equity capital to assets | 7.8926% | 6,108 |
| Core capital (leverage) ratio | 7.4733% | 6,207 |
| Tier 1 risk-based capital ratio | 14.2978% | 3,898 |
| Total risk-based capital ratio | 15.4253% | 3,912 |
| Memoranda: | ||
| Average total assets | $134,445,800 | 3,897 |
| Average earning assets | $130,181,600 | 3,769 |
| Average equity | $10,206,200 | 4,708 |
| Average total loans | $61,862,000 | 4,434 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 5,259 |
| Cost of funding earning assets | 0.3712% | 4,116 |
| Net interest margin | 3.1824% | 5,021 |
| Noninterest income to average assets | 0.2820% | 5,185 |
| Noninterest expense to average assets | 2.5990% | 4,199 |
| Loan and lease loss provision to assets | 0.0542% | 3,290 |
| Net operating income to assets | 0.7084% | 3,896 |
| Return on assets (ROA) | 0.7084% | 4,004 |
| Pretax return on assets | 0.7084% | 4,682 |
| Return on Equity (ROE) | 9.4315% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.8742% | 3,894 |
| Net charge-offs to loans | 0.0328% | 3,829 |
| Credit loss provision to net charge-offs | 360.0000% | 784 |
| Earnings coverage of net charge-offs (x) | 50.6655% | 969 |
| Efficiency ratio | 77.3134% | 2,300 |
| Assets per employee ($millions) | 3.2731% | 5,279 |
| Cash dividends to net income (ytd only)* | 58.9232% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 3,727 |
| Loan loss allowance to noncurrent loans | 3,115.3846% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 6,097 |
| Noncurrent loans to loans | 0.0412% | 5,851 |
| Net loans and leases to total assets | 45.2899% | 5,431 |
| Net loans and leases to deposits | 50.0141% | 5,647 |
| Net loans and leases to core deposits | 54.3827% | 5,544 |
| Total domestic deposits to total assets | 90.5543% | 505 |
| Equity capital to assets | 7.7246% | 6,236 |
| Core capital (leverage) ratio | 7.5146% | 6,277 |
| Tier 1 risk-based capital ratio | 14.5081% | 3,878 |
| Total risk-based capital ratio | 15.6439% | 3,888 |
| Memoranda: | ||
| Average total assets | $132,869,250 | 3,956 |
| Average earning assets | $128,580,000 | 3,820 |
| Average equity | $9,980,500 | 4,791 |
| Average total loans | $60,997,000 | 4,500 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5670% | 5,245 |
| Cost of funding earning assets | 0.3669% | 4,241 |
| Net interest margin | 3.2001% | 4,947 |
| Noninterest income to average assets | 0.2878% | 5,122 |
| Noninterest expense to average assets | 2.6101% | 4,208 |
| Loan and lease loss provision to assets | 0.0548% | 3,201 |
| Net operating income to assets | 0.7172% | 3,741 |
| Return on assets (ROA) | 0.7172% | 3,839 |
| Pretax return on assets | 0.7172% | 4,580 |
| Return on Equity (ROE) | 9.6441% | 2,302 |
| Retained earnings to average equity (ytd only) | 4.2180% | 3,487 |
| Net charge-offs to loans | 0.0298% | 3,599 |
| Credit loss provision to net charge-offs | 400.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 845 |
| Efficiency ratio | 77.1724% | 2,431 |
| Assets per employee ($millions) | 3.0809% | 5,626 |
| Cash dividends to net income (ytd only)* | 56.2633% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 3,882 |
| Loan loss allowance to noncurrent loans | 732.1101% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 5,934 |
| Noncurrent loans to loans | 0.1767% | 5,486 |
| Net loans and leases to total assets | 44.9240% | 5,469 |
| Net loans and leases to deposits | 49.5690% | 5,665 |
| Net loans and leases to core deposits | 53.9612% | 5,553 |
| Total domestic deposits to total assets | 90.6292% | 532 |
| Equity capital to assets | 7.6490% | 6,308 |
| Core capital (leverage) ratio | 7.6930% | 6,252 |
| Tier 1 risk-based capital ratio | 14.7746% | 3,765 |
| Total risk-based capital ratio | 15.9235% | 3,780 |
| Memoranda: | ||
| Average total assets | $131,335,670 | 4,008 |
| Average earning assets | $126,997,330 | 3,873 |
| Average equity | $9,767,670 | 4,853 |
| Average total loans | $60,306,000 | 4,539 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5743% | 5,237 |
| Cost of funding earning assets | 0.3648% | 4,384 |
| Net interest margin | 3.2095% | 4,894 |
| Noninterest income to average assets | 0.2786% | 5,135 |
| Noninterest expense to average assets | 2.6497% | 4,113 |
| Loan and lease loss provision to assets | 0.0557% | 3,002 |
| Net operating income to assets | 0.6779% | 3,800 |
| Return on assets (ROA) | 0.6779% | 3,881 |
| Pretax return on assets | 0.6779% | 4,561 |
| Return on Equity (ROE) | 9.2532% | 2,348 |
| Retained earnings to average equity (ytd only) | 3.6337% | 3,951 |
| Net charge-offs to loans | 0.0470% | 2,731 |
| Credit loss provision to net charge-offs | 257.1429% | 887 |
| Earnings coverage of net charge-offs (x) | 33.8571% | 971 |
| Efficiency ratio | 78.3166% | 2,437 |
| Assets per employee ($millions) | 2.9625% | 5,899 |
| Cash dividends to net income (ytd only)* | 60.7306% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,064 |
| Loan loss allowance to noncurrent loans | 5,585.7143% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 6,298 |
| Noncurrent loans to loans | 0.0235% | 6,091 |
| Net loans and leases to total assets | 45.1353% | 5,415 |
| Net loans and leases to deposits | 49.5011% | 5,630 |
| Net loans and leases to core deposits | 54.0486% | 5,494 |
| Total domestic deposits to total assets | 91.1805% | 496 |
| Equity capital to assets | 7.5091% | 6,311 |
| Core capital (leverage) ratio | 7.7457% | 6,249 |
| Tier 1 risk-based capital ratio | 15.0871% | 3,663 |
| Total risk-based capital ratio | 16.2504% | 3,661 |
| Memoranda: | ||
| Average total assets | $129,223,500 | 4,084 |
| Average earning assets | $125,002,500 | 3,944 |
| Average equity | $9,467,000 | 4,944 |
| Average total loans | $59,610,500 | 4,606 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 5,532 |
| Cost of funding earning assets | 0.4213% | 4,420 |
| Net interest margin | 3.1302% | 5,224 |
| Noninterest income to average assets | 0.2964% | 5,231 |
| Noninterest expense to average assets | 2.6262% | 4,370 |
| Loan and lease loss provision to assets | 0.0587% | 3,967 |
| Net operating income to assets | 0.6272% | 4,123 |
| Return on assets (ROA) | 0.6483% | 4,147 |
| Pretax return on assets | 0.6483% | 4,708 |
| Return on Equity (ROE) | 8.5602% | 2,752 |
| Retained earnings to average equity (ytd only) | 6.1336% | 1,894 |
| Net charge-offs to loans | 0.0742% | 4,172 |
| Credit loss provision to net charge-offs | 178.5714% | 1,282 |
| Earnings coverage of net charge-offs (x) | 20.8810% | 1,519 |
| Efficiency ratio | 79.2916% | 2,271 |
| Assets per employee ($millions) | 2.9113% | 5,972 |
| Cash dividends to net income (ytd only)* | 28.3474% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 4,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.9293% | 5,492 |
| Net loans and leases to deposits | 50.3586% | 5,741 |
| Net loans and leases to core deposits | 55.0725% | 5,610 |
| Total domestic deposits to total assets | 91.2045% | 501 |
| Equity capital to assets | 7.1398% | 6,421 |
| Core capital (leverage) ratio | 7.6765% | 6,315 |
| Tier 1 risk-based capital ratio | 14.9549% | 3,694 |
| Total risk-based capital ratio | 16.1015% | 3,700 |
| Memoranda: | ||
| Average total assets | $127,867,400 | 4,116 |
| Average earning assets | $123,187,800 | 3,987 |
| Average equity | $9,684,400 | 4,923 |
| Average total loans | $56,568,000 | 4,727 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5024% | 5,683 |
| Cost of funding earning assets | 0.4336% | 4,464 |
| Net interest margin | 3.0688% | 5,403 |
| Noninterest income to average assets | 0.2921% | 5,364 |
| Noninterest expense to average assets | 2.5809% | 4,454 |
| Loan and lease loss provision to assets | 0.0595% | 3,861 |
| Net operating income to assets | 0.6050% | 4,325 |
| Return on assets (ROA) | 0.6332% | 4,324 |
| Pretax return on assets | 0.6332% | 4,905 |
| Return on Equity (ROE) | 8.2423% | 3,004 |
| Retained earnings to average equity (ytd only) | 6.7622% | 1,996 |
| Net charge-offs to loans | 0.0765% | 3,852 |
| Credit loss provision to net charge-offs | 178.1250% | 1,356 |
| Earnings coverage of net charge-offs (x) | 19.9041% | 1,613 |
| Efficiency ratio | 79.5243% | 2,175 |
| Assets per employee ($millions) | 2.9574% | 5,915 |
| Cash dividends to net income (ytd only)* | 17.9573% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 4,218 |
| Loan loss allowance to noncurrent loans | 106.2674% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 4,796 |
| Noncurrent loans to loans | 1.2552% | 3,303 |
| Net loans and leases to total assets | 43.3733% | 5,783 |
| Net loans and leases to deposits | 47.4828% | 5,998 |
| Net loans and leases to core deposits | 51.8445% | 5,896 |
| Total domestic deposits to total assets | 91.3453% | 404 |
| Equity capital to assets | 7.2023% | 6,493 |
| Core capital (leverage) ratio | 7.7509% | 6,356 |
| Tier 1 risk-based capital ratio | 15.0222% | 3,741 |
| Total risk-based capital ratio | 16.1721% | 3,754 |
| Memoranda: | ||
| Average total assets | $127,809,500 | 4,163 |
| Average earning assets | $122,997,500 | 4,030 |
| Average equity | $9,819,000 | 4,947 |
| Average total loans | $55,808,500 | 4,796 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 5,694 |
| Cost of funding earning assets | 0.4572% | 4,347 |
| Net interest margin | 3.0439% | 5,450 |
| Noninterest income to average assets | 0.2787% | 5,461 |
| Noninterest expense to average assets | 2.5709% | 4,489 |
| Loan and lease loss provision to assets | 0.0598% | 3,811 |
| Net operating income to assets | 0.5825% | 4,389 |
| Return on assets (ROA) | 0.6250% | 4,337 |
| Pretax return on assets | 0.6250% | 4,929 |
| Return on Equity (ROE) | 7.9655% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.9655% | 1,503 |
| Net charge-offs to loans | 0.1048% | 3,307 |
| Credit loss provision to net charge-offs | 131.0345% | 1,732 |
| Earnings coverage of net charge-offs (x) | 14.0690% | 1,851 |
| Efficiency ratio | 80.0098% | 2,155 |
| Assets per employee ($millions) | 2.6518% | 6,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,377 |
| Loan loss allowance to noncurrent loans | 24,900.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,576 |
| Noncurrent loans to loans | 0.0053% | 6,431 |
| Net loans and leases to total assets | 44.5674% | 5,694 |
| Net loans and leases to deposits | 49.0230% | 5,918 |
| Net loans and leases to core deposits | 53.7683% | 5,769 |
| Total domestic deposits to total assets | 90.9111% | 578 |
| Equity capital to assets | 7.5267% | 6,431 |
| Core capital (leverage) ratio | 7.8099% | 6,301 |
| Tier 1 risk-based capital ratio | 15.2996% | 3,597 |
| Total risk-based capital ratio | 16.4579% | 3,609 |
| Memoranda: | ||
| Average total assets | $127,037,330 | 4,206 |
| Average earning assets | $122,474,000 | 4,076 |
| Average equity | $9,968,000 | 4,948 |
| Average total loans | $55,343,670 | 4,835 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 5,754 |
| Cost of funding earning assets | 0.4760% | 4,319 |
| Net interest margin | 3.0047% | 5,554 |
| Noninterest income to average assets | 0.2683% | 5,535 |
| Noninterest expense to average assets | 2.5172% | 4,697 |
| Loan and lease loss provision to assets | 0.0561% | 3,702 |
| Net operating income to assets | 0.5895% | 4,273 |
| Return on assets (ROA) | 0.6737% | 3,982 |
| Pretax return on assets | 0.6737% | 4,688 |
| Return on Equity (ROE) | 8.4198% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.4198% | 1,596 |
| Net charge-offs to loans | -0.0146% | 5,579 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5858% | 2,391 |
| Assets per employee ($millions) | 2.8348% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 4,249 |
| Loan loss allowance to noncurrent loans | 2,613.7931% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 6,547 |
| Noncurrent loans to loans | 0.0534% | 6,312 |
| Net loans and leases to total assets | 41.9535% | 5,846 |
| Net loans and leases to deposits | 46.4901% | 6,026 |
| Net loans and leases to core deposits | 50.9128% | 5,902 |
| Total domestic deposits to total assets | 90.2418% | 912 |
| Equity capital to assets | 8.1660% | 6,281 |
| Core capital (leverage) ratio | 7.6244% | 6,405 |
| Tier 1 risk-based capital ratio | 15.2080% | 3,704 |
| Total risk-based capital ratio | 16.3982% | 3,694 |
| Memoranda: | ||
| Average total assets | $128,238,000 | 4,219 |
| Average earning assets | $123,540,500 | 4,077 |
| Average equity | $10,261,500 | 4,934 |
| Average total loans | $54,868,500 | 4,893 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 5,815 |
| Cost of funding earning assets | 0.4715% | 5,411 |
| Net interest margin | 3.3305% | 5,139 |
| Noninterest income to average assets | 0.3404% | 5,024 |
| Noninterest expense to average assets | 2.7224% | 4,319 |
| Loan and lease loss provision to assets | 0.0555% | 5,102 |
| Net operating income to assets | 0.7627% | 3,449 |
| Return on assets (ROA) | 1.3924% | 1,225 |
| Pretax return on assets | 1.3924% | 2,065 |
| Return on Equity (ROE) | 16.1549% | 641 |
| Retained earnings to average equity (ytd only) | 8.3249% | 1,025 |
| Net charge-offs to loans | 0.1569% | 4,131 |
| Credit loss provision to net charge-offs | 78.3133% | 3,879 |
| Earnings coverage of net charge-offs (x) | 11.5542% | 2,018 |
| Efficiency ratio | 76.8916% | 2,611 |
| Assets per employee ($millions) | 2.9298% | 6,108 |
| Cash dividends to net income (ytd only)* | 48.4681% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,494 |
| Loan loss allowance to noncurrent loans | 2,544.8276% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 6,608 |
| Noncurrent loans to loans | 0.0523% | 6,368 |
| Net loans and leases to total assets | 42.4502% | 5,952 |
| Net loans and leases to deposits | 46.9190% | 6,181 |
| Net loans and leases to core deposits | 51.3190% | 6,064 |
| Total domestic deposits to total assets | 90.4756% | 716 |
| Equity capital to assets | 7.8395% | 6,484 |
| Core capital (leverage) ratio | 7.3475% | 6,564 |
| Tier 1 risk-based capital ratio | 14.5127% | 4,026 |
| Total risk-based capital ratio | 15.6437% | 4,055 |
| Memoranda: | ||
| Average total assets | $117,211,200 | 4,416 |
| Average earning assets | $112,624,600 | 4,280 |
| Average equity | $10,102,200 | 4,963 |
| Average total loans | $52,884,200 | 4,987 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 5,857 |
| Cost of funding earning assets | 0.4522% | 5,775 |
| Net interest margin | 3.4186% | 4,968 |
| Noninterest income to average assets | 0.3488% | 5,026 |
| Noninterest expense to average assets | 2.7369% | 4,230 |
| Loan and lease loss provision to assets | 0.0502% | 5,135 |
| Net operating income to assets | 0.8423% | 3,243 |
| Return on assets (ROA) | 1.6881% | 777 |
| Pretax return on assets | 1.6881% | 1,298 |
| Return on Equity (ROE) | 19.0995% | 387 |
| Retained earnings to average equity (ytd only) | 10.4143% | 809 |
| Net charge-offs to loans | 0.2067% | 3,493 |
| Credit loss provision to net charge-offs | 53.0864% | 4,323 |
| Earnings coverage of net charge-offs (x) | 9.4442% | 2,322 |
| Efficiency ratio | 75.4098% | 2,758 |
| Assets per employee ($millions) | 2.8087% | 6,346 |
| Cash dividends to net income (ytd only)* | 45.4732% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,729 |
| Loan loss allowance to noncurrent loans | 6,527.2727% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,766 |
| Noncurrent loans to loans | 0.0202% | 6,592 |
| Net loans and leases to total assets | 42.5114% | 6,081 |
| Net loans and leases to deposits | 47.2955% | 6,299 |
| Net loans and leases to core deposits | 51.8604% | 6,188 |
| Total domestic deposits to total assets | 89.8846% | 901 |
| Equity capital to assets | 8.3787% | 6,367 |
| Core capital (leverage) ratio | 7.8635% | 6,430 |
| Tier 1 risk-based capital ratio | 14.9351% | 3,894 |
| Total risk-based capital ratio | 16.0490% | 3,937 |
| Memoranda: | ||
| Average total assets | $114,286,250 | 4,529 |
| Average earning assets | $109,672,000 | 4,394 |
| Average equity | $10,101,250 | 5,007 |
| Average total loans | $52,240,000 | 5,063 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 5,773 |
| Cost of funding earning assets | 0.4176% | 6,176 |
| Net interest margin | 3.5370% | 4,517 |
| Noninterest income to average assets | 0.3465% | 5,064 |
| Noninterest expense to average assets | 2.7882% | 4,055 |
| Loan and lease loss provision to assets | 0.0454% | 5,105 |
| Net operating income to assets | 0.9088% | 2,868 |
| Return on assets (ROA) | 1.4748% | 1,162 |
| Pretax return on assets | 1.4748% | 1,942 |
| Return on Equity (ROE) | 16.3609% | 716 |
| Retained earnings to average equity (ytd only) | 9.8004% | 1,030 |
| Net charge-offs to loans | 0.1010% | 4,157 |
| Credit loss provision to net charge-offs | 96.1538% | 2,874 |
| Earnings coverage of net charge-offs (x) | 20.2308% | 1,398 |
| Efficiency ratio | 74.5032% | 2,991 |
| Assets per employee ($millions) | 2.7496% | 6,476 |
| Cash dividends to net income (ytd only)* | 40.0984% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 4,211 |
| Loan loss allowance to noncurrent loans | 1,510.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 6,730 |
| Noncurrent loans to loans | 0.0966% | 6,419 |
| Net loans and leases to total assets | 41.2076% | 6,257 |
| Net loans and leases to deposits | 45.6460% | 6,463 |
| Net loans and leases to core deposits | 50.1342% | 6,334 |
| Total domestic deposits to total assets | 90.2766% | 777 |
| Equity capital to assets | 8.3123% | 6,374 |
| Core capital (leverage) ratio | 8.4941% | 5,654 |
| Tier 1 risk-based capital ratio | 14.8373% | 3,870 |
| Total risk-based capital ratio | 16.0385% | 3,869 |
| Memoranda: | ||
| Average total assets | $110,251,000 | 4,660 |
| Average earning assets | $105,853,000 | 4,512 |
| Average equity | $9,938,330 | 5,046 |
| Average total loans | $51,503,670 | 5,124 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 4,852 |
| Cost of funding earning assets | 0.4034% | 6,394 |
| Net interest margin | 3.8665% | 3,070 |
| Noninterest income to average assets | 0.3671% | 4,933 |
| Noninterest expense to average assets | 2.9640% | 3,410 |
| Loan and lease loss provision to assets | 0.0541% | 4,732 |
| Net operating income to assets | 1.0163% | 2,414 |
| Return on assets (ROA) | 1.0086% | 2,635 |
| Pretax return on assets | 1.0086% | 3,649 |
| Return on Equity (ROE) | 10.6912% | 2,144 |
| Retained earnings to average equity (ytd only) | 3.7276% | 4,351 |
| Net charge-offs to loans | 0.0934% | 3,589 |
| Credit loss provision to net charge-offs | 116.6667% | 2,024 |
| Earnings coverage of net charge-offs (x) | 23.0833% | 1,103 |
| Efficiency ratio | 73.4674% | 3,185 |
| Assets per employee ($millions) | 2.2676% | 7,013 |
| Cash dividends to net income (ytd only)* | 65.1341% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 4,255 |
| Loan loss allowance to noncurrent loans | 451.1905% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 6,483 |
| Noncurrent loans to loans | 0.3280% | 6,013 |
| Net loans and leases to total assets | 48.3827% | 5,505 |
| Net loans and leases to deposits | 54.6753% | 5,735 |
| Net loans and leases to core deposits | 61.3183% | 5,403 |
| Total domestic deposits to total assets | 88.4910% | 2,015 |
| Equity capital to assets | 9.5312% | 4,755 |
| Core capital (leverage) ratio | 8.6202% | 5,415 |
| Tier 1 risk-based capital ratio | 14.5902% | 4,025 |
| Total risk-based capital ratio | 15.8299% | 3,997 |
| Memoranda: | ||
| Average total assets | $103,510,500 | 4,851 |
| Average earning assets | $98,175,500 | 4,741 |
| Average equity | $9,765,000 | 5,098 |
| Average total loans | $51,384,500 | 5,163 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 5,901 |
| Cost of funding earning assets | 0.4305% | 6,798 |
| Net interest margin | 3.8254% | 3,695 |
| Noninterest income to average assets | 0.5109% | 3,775 |
| Noninterest expense to average assets | 3.1555% | 3,011 |
| Loan and lease loss provision to assets | 0.0245% | 6,265 |
| Net operating income to assets | 0.9230% | 2,515 |
| Return on assets (ROA) | 0.9161% | 2,655 |
| Pretax return on assets | 0.9161% | 3,557 |
| Return on Equity (ROE) | 10.2181% | 1,985 |
| Retained earnings to average equity (ytd only) | 4.7270% | 2,833 |
| Net charge-offs to loans | 0.0899% | 5,439 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 21.5111% | 1,093 |
| Efficiency ratio | 76.9084% | 2,755 |
| Assets per employee ($millions) | 2.1398% | 7,104 |
| Cash dividends to net income (ytd only)* | 53.7393% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 4,162 |
| Loan loss allowance to noncurrent loans | 1,643.4783% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 6,850 |
| Noncurrent loans to loans | 0.0892% | 6,586 |
| Net loans and leases to total assets | 49.4465% | 5,665 |
| Net loans and leases to deposits | 55.7437% | 5,913 |
| Net loans and leases to core deposits | 62.6165% | 5,586 |
| Total domestic deposits to total assets | 88.7033% | 1,720 |
| Equity capital to assets | 9.3349% | 5,106 |
| Core capital (leverage) ratio | 8.5521% | 5,478 |
| Tier 1 risk-based capital ratio | 14.4616% | 3,997 |
| Total risk-based capital ratio | 15.6980% | 3,981 |
| Memoranda: | ||
| Average total assets | $102,170,200 | 4,842 |
| Average earning assets | $95,938,200 | 4,753 |
| Average equity | $9,160,200 | 5,234 |
| Average total loans | $50,071,800 | 5,265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 6,161 |
| Cost of funding earning assets | 0.4354% | 6,921 |
| Net interest margin | 3.7836% | 3,952 |
| Noninterest income to average assets | 0.4887% | 3,960 |
| Noninterest expense to average assets | 3.1518% | 2,989 |
| Loan and lease loss provision to assets | 0.0209% | 6,182 |
| Net operating income to assets | 0.8585% | 2,911 |
| Return on assets (ROA) | 0.8533% | 3,083 |
| Pretax return on assets | 0.8533% | 3,938 |
| Return on Equity (ROE) | 9.6169% | 2,341 |
| Retained earnings to average equity (ytd only) | 4.6391% | 3,418 |
| Net charge-offs to loans | 0.0402% | 5,590 |
| Credit loss provision to net charge-offs | 106.6667% | 3,099 |
| Earnings coverage of net charge-offs (x) | 44.8655% | 702 |
| Efficiency ratio | 78.1848% | 2,522 |
| Assets per employee ($millions) | 2.1397% | 7,178 |
| Cash dividends to net income (ytd only)* | 51.7619% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 4,063 |
| Loan loss allowance to noncurrent loans | 669.8276% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 5,138 |
| Noncurrent loans to loans | 0.2248% | 6,425 |
| Net loans and leases to total assets | 48.4768% | 5,899 |
| Net loans and leases to deposits | 54.4146% | 6,175 |
| Net loans and leases to core deposits | 60.9388% | 5,912 |
| Total domestic deposits to total assets | 89.0878% | 1,380 |
| Equity capital to assets | 8.9388% | 5,822 |
| Core capital (leverage) ratio | 8.6514% | 5,482 |
| Tier 1 risk-based capital ratio | 13.8884% | 4,425 |
| Total risk-based capital ratio | 15.1254% | 4,393 |
| Memoranda: | ||
| Average total assets | $102,035,000 | 4,869 |
| Average earning assets | $95,532,000 | 4,797 |
| Average equity | $9,053,250 | 5,292 |
| Average total loans | $49,704,000 | 5,313 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 6,325 |
| Cost of funding earning assets | 0.4486% | 7,012 |
| Net interest margin | 3.7323% | 4,108 |
| Noninterest income to average assets | 0.4847% | 3,982 |
| Noninterest expense to average assets | 3.2266% | 2,816 |
| Loan and lease loss provision to assets | 0.0099% | 6,140 |
| Net operating income to assets | 0.7537% | 3,271 |
| Return on assets (ROA) | 0.7498% | 3,414 |
| Pretax return on assets | 0.7498% | 4,211 |
| Return on Equity (ROE) | 8.4721% | 2,725 |
| Retained earnings to average equity (ytd only) | 3.9343% | 3,692 |
| Net charge-offs to loans | 0.0611% | 5,042 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 25.7333% | 1,037 |
| Efficiency ratio | 80.8627% | 2,255 |
| Assets per employee ($millions) | 2.1847% | 7,193 |
| Cash dividends to net income (ytd only)* | 53.5620% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,911 |
| Loan loss allowance to noncurrent loans | 2,837.0370% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 7,032 |
| Noncurrent loans to loans | 0.0546% | 6,847 |
| Net loans and leases to total assets | 48.4860% | 5,994 |
| Net loans and leases to deposits | 54.5332% | 6,268 |
| Net loans and leases to core deposits | 61.4057% | 5,956 |
| Total domestic deposits to total assets | 88.9109% | 1,590 |
| Equity capital to assets | 9.2233% | 5,246 |
| Core capital (leverage) ratio | 8.4315% | 5,661 |
| Tier 1 risk-based capital ratio | 14.1948% | 4,019 |
| Total risk-based capital ratio | 15.4448% | 3,991 |
| Memoranda: | ||
| Average total assets | $101,098,000 | 4,932 |
| Average earning assets | $94,956,000 | 4,848 |
| Average equity | $8,947,000 | 5,340 |
| Average total loans | $49,071,000 | 5,393 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 6,342 |
| Cost of funding earning assets | 0.4664% | 7,073 |
| Net interest margin | 3.7061% | 4,066 |
| Noninterest income to average assets | 0.4576% | 4,211 |
| Noninterest expense to average assets | 3.3215% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6154% | 3,965 |
| Return on assets (ROA) | 0.6075% | 4,064 |
| Pretax return on assets | 0.6075% | 4,657 |
| Return on Equity (ROE) | 7.0112% | 3,376 |
| Retained earnings to average equity (ytd only) | 1.9577% | 4,949 |
| Net charge-offs to loans | 0.2210% | 3,203 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,213 |
| Efficiency ratio | 84.3687% | 1,912 |
| Assets per employee ($millions) | 2.4716% | 7,025 |
| Cash dividends to net income (ytd only)* | 72.0779% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 4,038 |
| Loan loss allowance to noncurrent loans | 832.2222% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 6,940 |
| Noncurrent loans to loans | 0.1842% | 6,600 |
| Net loans and leases to total assets | 47.4865% | 6,137 |
| Net loans and leases to deposits | 53.0435% | 6,385 |
| Net loans and leases to core deposits | 59.6150% | 6,125 |
| Total domestic deposits to total assets | 89.5238% | 1,473 |
| Equity capital to assets | 8.7730% | 5,540 |
| Core capital (leverage) ratio | 8.2275% | 5,939 |
| Tier 1 risk-based capital ratio | 14.4639% | 3,763 |
| Total risk-based capital ratio | 15.7149% | 3,723 |
| Memoranda: | ||
| Average total assets | $101,399,500 | 4,965 |
| Average earning assets | $95,193,500 | 4,876 |
| Average equity | $8,786,000 | 5,388 |
| Average total loans | $48,860,500 | 5,447 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 6,899 |
| Cost of funding earning assets | 0.5883% | 7,151 |
| Net interest margin | 3.6302% | 4,670 |
| Noninterest income to average assets | 0.6365% | 3,237 |
| Noninterest expense to average assets | 3.1656% | 3,208 |
| Loan and lease loss provision to assets | 0.0079% | 7,000 |
| Net operating income to assets | 0.8970% | 2,397 |
| Return on assets (ROA) | 0.9453% | 2,346 |
| Pretax return on assets | 0.9453% | 3,116 |
| Return on Equity (ROE) | 11.0150% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.6343% | 1,493 |
| Net charge-offs to loans | 0.2798% | 4,624 |
| Credit loss provision to net charge-offs | 6.1538% | 6,620 |
| Earnings coverage of net charge-offs (x) | 7.0538% | 2,207 |
| Efficiency ratio | 77.7697% | 2,747 |
| Assets per employee ($millions) | 2.2548% | 7,253 |
| Cash dividends to net income (ytd only)* | 39.7704% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 3,622 |
| Loan loss allowance to noncurrent loans | 106.4472% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4478% | 4,157 |
| Noncurrent loans to loans | 1.4923% | 4,241 |
| Net loans and leases to total assets | 47.3819% | 6,446 |
| Net loans and leases to deposits | 52.9600% | 6,676 |
| Net loans and leases to core deposits | 59.5162% | 6,432 |
| Total domestic deposits to total assets | 89.4673% | 1,401 |
| Equity capital to assets | 8.5566% | 5,785 |
| Core capital (leverage) ratio | 8.1882% | 5,844 |
| Tier 1 risk-based capital ratio | 14.3474% | 3,651 |
| Total risk-based capital ratio | 15.5980% | 3,599 |
| Memoranda: | ||
| Average total assets | $101,338,400 | 4,945 |
| Average earning assets | $95,861,400 | 4,832 |
| Average equity | $8,697,200 | 5,500 |
| Average total loans | $46,456,800 | 5,616 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 7,060 |
| Cost of funding earning assets | 0.6102% | 7,265 |
| Net interest margin | 3.6138% | 4,811 |
| Noninterest income to average assets | 0.4975% | 4,211 |
| Noninterest expense to average assets | 3.1376% | 3,150 |
| Loan and lease loss provision to assets | 0.0092% | 6,930 |
| Net operating income to assets | 0.7726% | 3,121 |
| Return on assets (ROA) | 0.8370% | 2,984 |
| Pretax return on assets | 0.8370% | 3,778 |
| Return on Equity (ROE) | 9.7458% | 2,232 |
| Retained earnings to average equity (ytd only) | 6.2366% | 2,242 |
| Net charge-offs to loans | 0.1308% | 5,248 |
| Credit loss provision to net charge-offs | 15.5556% | 6,291 |
| Earnings coverage of net charge-offs (x) | 13.1997% | 1,608 |
| Efficiency ratio | 80.0537% | 2,325 |
| Assets per employee ($millions) | 2.2827% | 7,322 |
| Cash dividends to net income (ytd only)* | 36.0067% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 2,786 |
| Loan loss allowance to noncurrent loans | 130.3030% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 5,847 |
| Noncurrent loans to loans | 1.3828% | 4,551 |
| Net loans and leases to total assets | 45.6280% | 6,733 |
| Net loans and leases to deposits | 51.3188% | 6,923 |
| Net loans and leases to core deposits | 57.6287% | 6,753 |
| Total domestic deposits to total assets | 88.9108% | 1,441 |
| Equity capital to assets | 8.9017% | 5,700 |
| Core capital (leverage) ratio | 8.1956% | 6,045 |
| Tier 1 risk-based capital ratio | 14.7799% | 3,352 |
| Total risk-based capital ratio | 16.0335% | 3,334 |
| Memoranda: | ||
| Average total assets | $101,306,750 | 5,002 |
| Average earning assets | $95,925,750 | 4,895 |
| Average equity | $8,701,000 | 5,576 |
| Average total loans | $45,858,000 | 5,738 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 7,163 |
| Cost of funding earning assets | 0.6309% | 7,340 |
| Net interest margin | 3.5766% | 4,916 |
| Noninterest income to average assets | 0.5058% | 4,069 |
| Noninterest expense to average assets | 3.1398% | 3,145 |
| Loan and lease loss provision to assets | 0.0099% | 6,805 |
| Net operating income to assets | 0.7517% | 3,193 |
| Return on assets (ROA) | 0.7577% | 3,317 |
| Pretax return on assets | 0.7577% | 4,036 |
| Return on Equity (ROE) | 8.9322% | 2,497 |
| Retained earnings to average equity (ytd only) | 6.7342% | 1,955 |
| Net charge-offs to loans | 0.0973% | 5,173 |
| Credit loss provision to net charge-offs | 22.7273% | 5,825 |
| Earnings coverage of net charge-offs (x) | 17.4545% | 1,340 |
| Efficiency ratio | 80.4779% | 2,372 |
| Assets per employee ($millions) | 2.2788% | 7,375 |
| Cash dividends to net income (ytd only)* | 24.6073% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 2,357 |
| Loan loss allowance to noncurrent loans | 138.9590% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 5,949 |
| Noncurrent loans to loans | 1.3854% | 4,627 |
| Net loans and leases to total assets | 43.7658% | 6,939 |
| Net loans and leases to deposits | 48.9860% | 7,111 |
| Net loans and leases to core deposits | 54.9877% | 6,990 |
| Total domestic deposits to total assets | 89.3435% | 1,261 |
| Equity capital to assets | 8.5882% | 6,035 |
| Core capital (leverage) ratio | 8.0998% | 6,115 |
| Tier 1 risk-based capital ratio | 15.0687% | 3,124 |
| Total risk-based capital ratio | 16.3235% | 3,083 |
| Memoranda: | ||
| Average total assets | $100,835,000 | 5,053 |
| Average earning assets | $95,734,000 | 4,936 |
| Average equity | $8,553,330 | 5,619 |
| Average total loans | $45,234,000 | 5,808 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 7,302 |
| Cost of funding earning assets | 0.6526% | 7,429 |
| Net interest margin | 3.5085% | 5,120 |
| Noninterest income to average assets | 0.5361% | 3,768 |
| Noninterest expense to average assets | 3.2047% | 2,845 |
| Loan and lease loss provision to assets | 0.0120% | 6,495 |
| Net operating income to assets | 0.6321% | 3,747 |
| Return on assets (ROA) | 0.6241% | 3,916 |
| Pretax return on assets | 0.6241% | 4,508 |
| Return on Equity (ROE) | 7.4052% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.4052% | 1,972 |
| Net charge-offs to loans | 0.0889% | 4,527 |
| Credit loss provision to net charge-offs | 30.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 1,347 |
| Efficiency ratio | 83.2640% | 2,107 |
| Assets per employee ($millions) | 2.3071% | 7,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 2,230 |
| Loan loss allowance to noncurrent loans | 148.9967% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 6,041 |
| Noncurrent loans to loans | 1.3318% | 4,756 |
| Net loans and leases to total assets | 43.3545% | 7,039 |
| Net loans and leases to deposits | 48.4276% | 7,210 |
| Net loans and leases to core deposits | 54.4153% | 7,079 |
| Total domestic deposits to total assets | 89.5244% | 1,231 |
| Equity capital to assets | 8.3222% | 6,276 |
| Core capital (leverage) ratio | 8.3051% | 5,729 |
| Tier 1 risk-based capital ratio | 15.1987% | 3,007 |
| Total risk-based capital ratio | 16.4541% | 2,969 |
| Memoranda: | ||
| Average total assets | $99,978,500 | 5,149 |
| Average earning assets | $94,398,500 | 5,032 |
| Average equity | $8,426,500 | 5,708 |
| Average total loans | $44,970,000 | 5,886 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 7,193 |
| Cost of funding earning assets | 1.0319% | 7,142 |
| Net interest margin | 3.6319% | 4,420 |
| Noninterest income to average assets | 0.4164% | 5,075 |
| Noninterest expense to average assets | 3.4066% | 2,658 |
| Loan and lease loss provision to assets | 0.0381% | 7,165 |
| Net operating income to assets | 0.2920% | 4,565 |
| Return on assets (ROA) | 0.3115% | 4,581 |
| Pretax return on assets | 0.4376% | 4,383 |
| Return on Equity (ROE) | 3.7903% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.7903% | 2,545 |
| Net charge-offs to loans | 0.1546% | 5,721 |
| Credit loss provision to net charge-offs | 53.7313% | 6,706 |
| Earnings coverage of net charge-offs (x) | 6.3134% | 2,389 |
| Efficiency ratio | 88.3727% | 1,851 |
| Assets per employee ($millions) | 2.1877% | 7,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 2,044 |
| Loan loss allowance to noncurrent loans | 4,988.8889% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 7,327 |
| Noncurrent loans to loans | 0.0400% | 7,331 |
| Net loans and leases to total assets | 44.8382% | 7,066 |
| Net loans and leases to deposits | 51.4824% | 7,173 |
| Net loans and leases to core deposits | 64.7628% | 7,043 |
| Total domestic deposits to total assets | 87.0943% | 2,444 |
| Equity capital to assets | 8.5378% | 5,831 |
| Core capital (leverage) ratio | 8.6104% | 5,077 |
| Tier 1 risk-based capital ratio | 15.1834% | 2,851 |
| Total risk-based capital ratio | 16.4390% | 2,809 |
| Memoranda: | ||
| Average total assets | $94,375,000 | 5,258 |
| Average earning assets | $89,346,600 | 5,145 |
| Average equity | $7,756,600 | 6,009 |
| Average total loans | $43,325,200 | 5,968 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 7,186 |
| Cost of funding earning assets | 1.1224% | 7,125 |
| Net interest margin | 3.6381% | 4,333 |
| Noninterest income to average assets | 0.4127% | 5,192 |
| Noninterest expense to average assets | 3.5004% | 2,282 |
| Loan and lease loss provision to assets | 0.0386% | 6,978 |
| Net operating income to assets | 0.2503% | 4,990 |
| Return on assets (ROA) | 0.2785% | 4,977 |
| Pretax return on assets | 0.3642% | 4,897 |
| Return on Equity (ROE) | 3.4234% | 4,607 |
| Retained earnings to average equity (ytd only) | 3.4234% | 3,380 |
| Net charge-offs to loans | 0.1119% | 5,558 |
| Credit loss provision to net charge-offs | 75.0000% | 5,882 |
| Earnings coverage of net charge-offs (x) | 7.1108% | 2,472 |
| Efficiency ratio | 90.5430% | 1,640 |
| Assets per employee ($millions) | 2.1059% | 7,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0839% | 1,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 7,433 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 45.6175% | 7,133 |
| Net loans and leases to deposits | 51.3165% | 7,340 |
| Net loans and leases to core deposits | 64.4766% | 7,224 |
| Total domestic deposits to total assets | 88.8945% | 1,242 |
| Equity capital to assets | 8.2732% | 6,537 |
| Core capital (leverage) ratio | 8.0889% | 6,203 |
| Tier 1 risk-based capital ratio | 14.6704% | 3,191 |
| Total risk-based capital ratio | 15.9262% | 3,136 |
| Memoranda: | ||
| Average total assets | $93,357,500 | 5,321 |
| Average earning assets | $88,614,750 | 5,210 |
| Average equity | $7,594,500 | 6,115 |
| Average total loans | $42,896,750 | 6,024 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 6,942 |
| Cost of funding earning assets | 1.2048% | 7,092 |
| Net interest margin | 3.7370% | 3,803 |
| Noninterest income to average assets | 0.3617% | 5,621 |
| Noninterest expense to average assets | 3.6711% | 1,895 |
| Loan and lease loss provision to assets | 0.0388% | 6,848 |
| Net operating income to assets | 0.1335% | 5,467 |
| Return on assets (ROA) | 0.1335% | 5,572 |
| Pretax return on assets | 0.1981% | 5,472 |
| Return on Equity (ROE) | 1.6505% | 5,419 |
| Retained earnings to average equity (ytd only) | 1.6505% | 4,420 |
| Net charge-offs to loans | 0.1224% | 4,939 |
| Credit loss provision to net charge-offs | 69.2308% | 5,429 |
| Earnings coverage of net charge-offs (x) | 4.2308% | 3,166 |
| Efficiency ratio | 93.9394% | 1,498 |
| Assets per employee ($millions) | 2.2022% | 7,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1374% | 1,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 7,473 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 44.5323% | 7,293 |
| Net loans and leases to deposits | 49.9810% | 7,486 |
| Net loans and leases to core deposits | 62.4421% | 7,365 |
| Total domestic deposits to total assets | 89.0985% | 1,218 |
| Equity capital to assets | 7.9710% | 6,785 |
| Core capital (leverage) ratio | 7.9450% | 6,428 |
| Tier 1 risk-based capital ratio | 14.0409% | 3,495 |
| Total risk-based capital ratio | 15.2973% | 3,433 |
| Memoranda: | ||
| Average total assets | $92,888,670 | 5,374 |
| Average earning assets | $88,145,670 | 5,256 |
| Average equity | $7,512,670 | 6,176 |
| Average total loans | $42,479,330 | 6,093 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0806% | 6,704 |
| Cost of funding earning assets | 1.2977% | 7,016 |
| Net interest margin | 3.7830% | 3,520 |
| Noninterest income to average assets | 0.4566% | 4,706 |
| Noninterest expense to average assets | 3.6353% | 1,781 |
| Loan and lease loss provision to assets | 0.0391% | 6,474 |
| Net operating income to assets | 0.3131% | 5,252 |
| Return on assets (ROA) | 0.3131% | 5,424 |
| Pretax return on assets | 0.3696% | 5,484 |
| Return on Equity (ROE) | 3.8426% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.8426% | 3,752 |
| Net charge-offs to loans | 0.0664% | 4,543 |
| Credit loss provision to net charge-offs | 128.5714% | 3,110 |
| Earnings coverage of net charge-offs (x) | 13.4286% | 1,737 |
| Efficiency ratio | 89.8925% | 1,727 |
| Assets per employee ($millions) | 1.9999% | 7,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2124% | 1,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 5,817 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.7799% | 7,361 |
| Net loans and leases to deposits | 48.8398% | 7,544 |
| Net loans and leases to core deposits | 62.0495% | 7,390 |
| Total domestic deposits to total assets | 89.6397% | 954 |
| Equity capital to assets | 8.0634% | 6,724 |
| Core capital (leverage) ratio | 8.0937% | 6,301 |
| Tier 1 risk-based capital ratio | 13.9756% | 3,604 |
| Total risk-based capital ratio | 15.2318% | 3,523 |
| Memoranda: | ||
| Average total assets | $91,986,500 | 5,422 |
| Average earning assets | $87,233,000 | 5,310 |
| Average equity | $7,495,000 | 6,220 |
| Average total loans | $42,174,000 | 6,131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8222% | 6,366 |
| Cost of funding earning assets | 1.7966% | 7,017 |
| Net interest margin | 4.0256% | 3,001 |
| Noninterest income to average assets | 0.3687% | 5,753 |
| Noninterest expense to average assets | 3.7768% | 1,800 |
| Loan and lease loss provision to assets | 0.0781% | 6,419 |
| Net operating income to assets | 0.3338% | 5,426 |
| Return on assets (ROA) | -0.0551% | 6,299 |
| Pretax return on assets | -0.2872% | 6,447 |
| Return on Equity (ROE) | -0.6363% | 6,312 |
| Retained earnings to average equity (ytd only) | -0.6363% | 5,483 |
| Net charge-offs to loans | -0.0147% | 7,894 |
| Credit loss provision to net charge-offs | -1,133.3333% | 7,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3164% | 1,492 |
| Assets per employee ($millions) | 1.9145% | 7,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1979% | 949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 5,612 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.9413% | 7,334 |
| Net loans and leases to deposits | 51.6383% | 7,555 |
| Net loans and leases to core deposits | 67.0919% | 7,325 |
| Total domestic deposits to total assets | 88.9675% | 1,055 |
| Equity capital to assets | 8.2363% | 6,501 |
| Core capital (leverage) ratio | 8.2927% | 5,966 |
| Tier 1 risk-based capital ratio | 14.3690% | 3,351 |
| Total risk-based capital ratio | 15.6252% | 3,271 |
| Memoranda: | ||
| Average total assets | $87,057,600 | 5,450 |
| Average earning assets | $82,323,000 | 5,359 |
| Average equity | $7,543,600 | 6,263 |
| Average total loans | $40,791,400 | 6,134 |