Home > Security Bank and Trust Company > Performance and Condition Ratios
Security Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1012% | 562 |
| Cost of funding earning assets | 1.8157% | 1,223 |
| Net interest margin | 4.2854% | 832 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.7582% | 1,604 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.5948% | 874 |
| Return on assets (ROA) | 0.3425% | 3,966 |
| Pretax return on assets | 0.3425% | 4,044 |
| Return on Equity (ROE) | 4.7600% | 3,768 |
| Retained earnings to average equity (ytd only) | 0.5593% | 3,945 |
| Net charge-offs to loans | 0.0150% | 2,101 |
| Credit loss provision to net charge-offs | 746.6667% | 506 |
| Earnings coverage of net charge-offs (x) | 158.1333% | 688 |
| Efficiency ratio | 60.4097% | 3,030 |
| Assets per employee ($millions) | 5.3628% | 3,348 |
| Cash dividends to net income (ytd only)* | 88.2483% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 2,842 |
| Loan loss allowance to noncurrent loans | 1,773.5294% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 1,724 |
| Noncurrent loans to loans | 0.0620% | 3,269 |
| Net loans and leases to total assets | 77.8000% | 886 |
| Net loans and leases to deposits | 90.0002% | 1,263 |
| Net loans and leases to core deposits | 115.2169% | 775 |
| Total domestic deposits to total assets | 86.4400% | 1,879 |
| Equity capital to assets | 7.6846% | 3,608 |
| Core capital (leverage) ratio | 8.7596% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $131,679,000 | 3,535 |
| Average earning assets | $121,107,600 | 3,534 |
| Average equity | $9,476,000 | 3,775 |
| Average total loans | $100,101,400 | 3,175 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0167% | 522 |
| Cost of funding earning assets | 1.6680% | 1,243 |
| Net interest margin | 4.3487% | 754 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.5527% | 2,073 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.8436% | 603 |
| Return on assets (ROA) | 0.1490% | 4,294 |
| Pretax return on assets | 0.1490% | 4,305 |
| Return on Equity (ROE) | 2.1100% | 4,184 |
| Retained earnings to average equity (ytd only) | 1.5273% | 3,836 |
| Net charge-offs to loans | 0.0123% | 1,950 |
| Credit loss provision to net charge-offs | 966.6667% | 419 |
| Earnings coverage of net charge-offs (x) | 225.2222% | 545 |
| Efficiency ratio | 54.9767% | 3,491 |
| Assets per employee ($millions) | 4.9762% | 3,622 |
| Cash dividends to net income (ytd only)* | 27.5862% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 2,659 |
| Loan loss allowance to noncurrent loans | 474.8000% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 1,330 |
| Noncurrent loans to loans | 0.2409% | 2,382 |
| Net loans and leases to total assets | 79.3100% | 730 |
| Net loans and leases to deposits | 86.2476% | 1,541 |
| Net loans and leases to core deposits | 104.8497% | 1,070 |
| Total domestic deposits to total assets | 91.9500% | 462 |
| Equity capital to assets | 7.4656% | 3,375 |
| Core capital (leverage) ratio | 9.1352% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $129,740,250 | 3,563 |
| Average earning assets | $118,622,750 | 3,576 |
| Average equity | $9,166,250 | 3,809 |
| Average total loans | $97,705,500 | 3,203 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8372% | 540 |
| Cost of funding earning assets | 1.5436% | 1,169 |
| Net interest margin | 4.2936% | 812 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.3933% | 2,507 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.1146% | 396 |
| Return on assets (ROA) | -0.4251% | 4,552 |
| Pretax return on assets | -0.4251% | 4,542 |
| Return on Equity (ROE) | -6.1300% | 4,557 |
| Retained earnings to average equity (ytd only) | -6.1320% | 4,452 |
| Net charge-offs to loans | 0.0167% | 1,582 |
| Credit loss provision to net charge-offs | 762.5000% | 491 |
| Earnings coverage of net charge-offs (x) | 179.2500% | 665 |
| Efficiency ratio | 51.9076% | 3,778 |
| Assets per employee ($millions) | 4.8570% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,529 |
| Loan loss allowance to noncurrent loans | 922.2222% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 1,564 |
| Noncurrent loans to loans | 0.1282% | 2,834 |
| Net loans and leases to total assets | 74.0600% | 1,284 |
| Net loans and leases to deposits | 85.6714% | 1,525 |
| Net loans and leases to core deposits | 105.9149% | 990 |
| Total domestic deposits to total assets | 86.4500% | 2,102 |
| Equity capital to assets | 7.1443% | 3,715 |
| Core capital (leverage) ratio | 8.8419% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5960% | 2,738 |
| Memoranda: | ||
| Average total assets | $129,860,333 | 3,573 |
| Average earning assets | $118,036,333 | 3,591 |
| Average equity | $9,002,000 | 3,847 |
| Average total loans | $95,676,000 | 3,225 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5905% | 535 |
| Cost of funding earning assets | 1.3796% | 1,069 |
| Net interest margin | 4.2109% | 935 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.2473% | 2,966 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 2.0152% | 480 |
| Return on assets (ROA) | -3.0893% | 4,655 |
| Pretax return on assets | -3.0893% | 4,652 |
| Return on Equity (ROE) | -45.2700% | 4,649 |
| Retained earnings to average equity (ytd only) | -45.2685% | 4,662 |
| Net charge-offs to loans | 0.0254% | 1,179 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 109.5000% | 744 |
| Efficiency ratio | 52.4223% | 3,744 |
| Assets per employee ($millions) | 4.7430% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,870 |
| Loan loss allowance to noncurrent loans | 656.2130% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 1,401 |
| Noncurrent loans to loans | 0.1732% | 2,613 |
| Net loans and leases to total assets | 72.6500% | 1,355 |
| Net loans and leases to deposits | 80.9118% | 1,754 |
| Net loans and leases to core deposits | 99.8996% | 1,092 |
| Total domestic deposits to total assets | 89.7800% | 1,240 |
| Equity capital to assets | 6.6911% | 3,968 |
| Core capital (leverage) ratio | 8.1127% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $129,220,500 | 3,625 |
| Average earning assets | $116,554,500 | 3,652 |
| Average equity | $8,818,500 | 3,912 |
| Average total loans | $94,371,000 | 3,275 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 382 |
| Cost of funding earning assets | 0.6131% | 850 |
| Net interest margin | 4.2451% | 474 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 3.0852% | 853 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.2716% | 1,525 |
| Return on assets (ROA) | 1.2670% | 1,493 |
| Pretax return on assets | 1.2670% | 2,211 |
| Return on Equity (ROE) | 15.7800% | 1,089 |
| Retained earnings to average equity (ytd only) | 4.4800% | 3,241 |
| Net charge-offs to loans | 0.0842% | 822 |
| Credit loss provision to net charge-offs | 231.4286% | 1,036 |
| Earnings coverage of net charge-offs (x) | 22.0571% | 1,847 |
| Efficiency ratio | 68.3684% | 1,917 |
| Assets per employee ($millions) | 4.4871% | 4,046 |
| Cash dividends to net income (ytd only)* | 71.6049% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 2,838 |
| Loan loss allowance to noncurrent loans | 798.4252% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 1,447 |
| Noncurrent loans to loans | 0.1393% | 2,818 |
| Net loans and leases to total assets | 71.7500% | 1,446 |
| Net loans and leases to deposits | 82.8970% | 1,546 |
| Net loans and leases to core deposits | 94.2603% | 1,283 |
| Total domestic deposits to total assets | 86.5500% | 2,551 |
| Equity capital to assets | 6.9652% | 3,688 |
| Core capital (leverage) ratio | 8.7705% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $108,679,400 | 3,849 |
| Average earning assets | $99,008,400 | 3,849 |
| Average equity | $8,727,600 | 4,020 |
| Average total loans | $83,150,000 | 3,368 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 382 |
| Cost of funding earning assets | 0.4587% | 947 |
| Net interest margin | 4.1976% | 423 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 3.0294% | 872 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.3353% | 1,253 |
| Return on assets (ROA) | 1.3290% | 1,243 |
| Pretax return on assets | 1.3290% | 1,952 |
| Return on Equity (ROE) | 15.9100% | 998 |
| Retained earnings to average equity (ytd only) | 9.7226% | 1,424 |
| Net charge-offs to loans | 0.0526% | 957 |
| Credit loss provision to net charge-offs | 334.3750% | 761 |
| Earnings coverage of net charge-offs (x) | 36.0313% | 1,431 |
| Efficiency ratio | 67.1866% | 2,133 |
| Assets per employee ($millions) | 4.4311% | 4,103 |
| Cash dividends to net income (ytd only)* | 38.9049% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,858 |
| Loan loss allowance to noncurrent loans | 1,145.9770% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 1,515 |
| Noncurrent loans to loans | 0.0990% | 3,170 |
| Net loans and leases to total assets | 75.3900% | 976 |
| Net loans and leases to deposits | 86.4146% | 1,144 |
| Net loans and leases to core deposits | 95.8314% | 1,008 |
| Total domestic deposits to total assets | 87.2400% | 2,683 |
| Equity capital to assets | 7.7547% | 3,053 |
| Core capital (leverage) ratio | 9.7587% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $104,439,750 | 3,911 |
| Average earning assets | $96,498,250 | 3,896 |
| Average equity | $8,721,750 | 4,067 |
| Average total loans | $81,148,250 | 3,409 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 370 |
| Cost of funding earning assets | 0.4023% | 899 |
| Net interest margin | 4.1107% | 384 |
| Noninterest income to average assets | 0.6406% | 1,581 |
| Noninterest expense to average assets | 3.0719% | 760 |
| Loan and lease loss provision to assets | 0.1587% | 591 |
| Net operating income to assets | 1.1998% | 1,429 |
| Return on assets (ROA) | 1.1899% | 1,439 |
| Pretax return on assets | 1.1899% | 2,110 |
| Return on Equity (ROE) | 13.8712% | 1,148 |
| Retained earnings to average equity (ytd only) | 7.6292% | 1,755 |
| Net charge-offs to loans | 0.0253% | 1,214 |
| Credit loss provision to net charge-offs | 800.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 1,013 |
| Efficiency ratio | 69.2032% | 2,075 |
| Assets per employee ($millions) | 3.6060% | 4,520 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,553 |
| Loan loss allowance to noncurrent loans | 542.0765% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 1,283 |
| Noncurrent loans to loans | 0.2264% | 2,587 |
| Net loans and leases to total assets | 79.0874% | 474 |
| Net loans and leases to deposits | 91.2210% | 649 |
| Net loans and leases to core deposits | 105.8104% | 458 |
| Total domestic deposits to total assets | 86.6988% | 3,037 |
| Equity capital to assets | 7.8104% | 3,255 |
| Core capital (leverage) ratio | 9.0908% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,850,333 | 3,978 |
| Average earning assets | $92,976,000 | 3,979 |
| Average equity | $8,651,000 | 4,134 |
| Average total loans | $78,915,000 | 3,465 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 358 |
| Cost of funding earning assets | 0.3559% | 1,156 |
| Net interest margin | 4.0884% | 345 |
| Noninterest income to average assets | 0.5794% | 1,783 |
| Noninterest expense to average assets | 3.0479% | 760 |
| Loan and lease loss provision to assets | 0.0397% | 1,643 |
| Net operating income to assets | 1.2303% | 1,170 |
| Return on assets (ROA) | 1.2104% | 1,210 |
| Pretax return on assets | 1.2104% | 1,771 |
| Return on Equity (ROE) | 13.5053% | 933 |
| Retained earnings to average equity (ytd only) | 13.5053% | 418 |
| Net charge-offs to loans | 0.0051% | 1,574 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 304 |
| Efficiency ratio | 70.4963% | 2,159 |
| Assets per employee ($millions) | 3.5507% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 3,011 |
| Loan loss allowance to noncurrent loans | 397.8632% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 1,236 |
| Noncurrent loans to loans | 0.2936% | 2,416 |
| Net loans and leases to total assets | 76.4856% | 473 |
| Net loans and leases to deposits | 85.8594% | 750 |
| Net loans and leases to core deposits | 99.4934% | 533 |
| Total domestic deposits to total assets | 89.0824% | 2,042 |
| Equity capital to assets | 8.4762% | 3,180 |
| Core capital (leverage) ratio | 9.0390% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,791,500 | 3,998 |
| Average earning assets | $92,163,500 | 4,001 |
| Average equity | $9,033,500 | 4,156 |
| Average total loans | $77,950,000 | 3,491 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7207% | 406 |
| Cost of funding earning assets | 0.4411% | 1,254 |
| Net interest margin | 4.2796% | 426 |
| Noninterest income to average assets | 0.6256% | 2,047 |
| Noninterest expense to average assets | 3.3256% | 601 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1963% | 1,936 |
| Return on assets (ROA) | 1.2068% | 1,947 |
| Pretax return on assets | 1.2068% | 2,641 |
| Return on Equity (ROE) | 12.1010% | 1,780 |
| Retained earnings to average equity (ytd only) | 1.6318% | 4,083 |
| Net charge-offs to loans | -0.0666% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4284% | 1,371 |
| Assets per employee ($millions) | 3.6523% | 4,550 |
| Cash dividends to net income (ytd only)* | 86.5149% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,841 |
| Loan loss allowance to noncurrent loans | 247.1850% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 996 |
| Noncurrent loans to loans | 0.4894% | 1,903 |
| Net loans and leases to total assets | 76.3487% | 498 |
| Net loans and leases to deposits | 86.6875% | 735 |
| Net loans and leases to core deposits | 101.7185% | 462 |
| Total domestic deposits to total assets | 88.0735% | 2,009 |
| Equity capital to assets | 9.4704% | 3,172 |
| Core capital (leverage) ratio | 9.0347% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,628,200 | 4,047 |
| Average earning assets | $86,152,600 | 4,057 |
| Average equity | $9,437,200 | 4,200 |
| Average total loans | $72,065,600 | 3,609 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 449 |
| Cost of funding earning assets | 0.4474% | 1,370 |
| Net interest margin | 4.2991% | 452 |
| Noninterest income to average assets | 0.5881% | 2,258 |
| Noninterest expense to average assets | 3.2737% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2275% | 2,075 |
| Return on assets (ROA) | 1.2574% | 2,026 |
| Pretax return on assets | 1.2574% | 2,745 |
| Return on Equity (ROE) | 12.4428% | 1,887 |
| Retained earnings to average equity (ytd only) | 4.4388% | 3,430 |
| Net charge-offs to loans | -0.0901% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6036% | 1,351 |
| Assets per employee ($millions) | 3.2654% | 4,703 |
| Cash dividends to net income (ytd only)* | 64.3262% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,418 |
| Loan loss allowance to noncurrent loans | 354.6154% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 1,374 |
| Noncurrent loans to loans | 0.3707% | 2,452 |
| Net loans and leases to total assets | 73.0934% | 764 |
| Net loans and leases to deposits | 82.0313% | 1,117 |
| Net loans and leases to core deposits | 93.4658% | 849 |
| Total domestic deposits to total assets | 89.1043% | 1,226 |
| Equity capital to assets | 10.1945% | 2,718 |
| Core capital (leverage) ratio | 9.5421% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,632,250 | 4,106 |
| Average earning assets | $85,225,250 | 4,118 |
| Average equity | $9,461,750 | 4,258 |
| Average total loans | $71,029,250 | 3,683 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9359% | 379 |
| Cost of funding earning assets | 0.4476% | 1,536 |
| Net interest margin | 4.4882% | 361 |
| Noninterest income to average assets | 0.6068% | 2,186 |
| Noninterest expense to average assets | 3.2591% | 651 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4323% | 1,476 |
| Return on assets (ROA) | 1.4430% | 1,506 |
| Pretax return on assets | 1.4430% | 2,205 |
| Return on Equity (ROE) | 14.3227% | 1,327 |
| Retained earnings to average equity (ytd only) | 5.1077% | 3,143 |
| Net charge-offs to loans | -0.0112% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3327% | 1,725 |
| Assets per employee ($millions) | 3.2086% | 4,747 |
| Cash dividends to net income (ytd only)* | 64.3388% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,545 |
| Loan loss allowance to noncurrent loans | 276.1006% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 1,312 |
| Noncurrent loans to loans | 0.4629% | 2,288 |
| Net loans and leases to total assets | 72.8796% | 864 |
| Net loans and leases to deposits | 81.6827% | 1,260 |
| Net loans and leases to core deposits | 92.6394% | 967 |
| Total domestic deposits to total assets | 89.2228% | 1,175 |
| Equity capital to assets | 10.1937% | 2,680 |
| Core capital (leverage) ratio | 9.3834% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,277,000 | 4,136 |
| Average earning assets | $84,889,000 | 4,144 |
| Average equity | $9,397,667 | 4,279 |
| Average total loans | $71,325,667 | 3,701 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 414 |
| Cost of funding earning assets | 0.4483% | 1,735 |
| Net interest margin | 4.4504% | 391 |
| Noninterest income to average assets | 0.5782% | 2,297 |
| Noninterest expense to average assets | 3.4907% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1264% | 2,394 |
| Return on assets (ROA) | 1.1222% | 2,486 |
| Pretax return on assets | 1.1222% | 3,062 |
| Return on Equity (ROE) | 11.2038% | 2,303 |
| Retained earnings to average equity (ytd only) | 10.6479% | 1,482 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5102% | 1,181 |
| Assets per employee ($millions) | 3.2833% | 4,764 |
| Cash dividends to net income (ytd only)* | 4.9618% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,897 |
| Loan loss allowance to noncurrent loans | 220.1511% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 1,306 |
| Noncurrent loans to loans | 0.5482% | 2,217 |
| Net loans and leases to total assets | 75.1405% | 703 |
| Net loans and leases to deposits | 86.4080% | 936 |
| Net loans and leases to core deposits | 98.5523% | 780 |
| Total domestic deposits to total assets | 86.9600% | 2,326 |
| Equity capital to assets | 9.7464% | 2,950 |
| Core capital (leverage) ratio | 9.5913% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,391,500 | 4,148 |
| Average earning assets | $84,756,000 | 4,158 |
| Average equity | $9,354,000 | 4,290 |
| Average total loans | $72,643,000 | 3,694 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 670 |
| Cost of funding earning assets | 0.6921% | 1,758 |
| Net interest margin | 4.1587% | 704 |
| Noninterest income to average assets | 0.9734% | 1,100 |
| Noninterest expense to average assets | 3.3277% | 871 |
| Loan and lease loss provision to assets | 0.2959% | 1,273 |
| Net operating income to assets | 1.1439% | 1,749 |
| Return on assets (ROA) | 1.5095% | 860 |
| Pretax return on assets | 1.5095% | 1,303 |
| Return on Equity (ROE) | 14.8721% | 658 |
| Retained earnings to average equity (ytd only) | 0.1479% | 4,479 |
| Net charge-offs to loans | 0.3942% | 438 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 4.8659% | 2,926 |
| Efficiency ratio | 69.6874% | 1,990 |
| Assets per employee ($millions) | 3.1575% | 4,771 |
| Cash dividends to net income (ytd only)* | 99.0057% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,952 |
| Loan loss allowance to noncurrent loans | 260.8955% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 1,537 |
| Noncurrent loans to loans | 0.4597% | 2,589 |
| Net loans and leases to total assets | 78.6224% | 537 |
| Net loans and leases to deposits | 88.0142% | 1,089 |
| Net loans and leases to core deposits | 100.5531% | 878 |
| Total domestic deposits to total assets | 89.3292% | 841 |
| Equity capital to assets | 10.2962% | 2,841 |
| Core capital (leverage) ratio | 9.1863% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,278,800 | 4,075 |
| Average earning assets | $85,097,800 | 4,085 |
| Average equity | $9,467,400 | 4,255 |
| Average total loans | $70,009,200 | 3,733 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 803 |
| Cost of funding earning assets | 0.7420% | 1,787 |
| Net interest margin | 4.1073% | 887 |
| Noninterest income to average assets | 1.1084% | 846 |
| Noninterest expense to average assets | 3.2057% | 1,066 |
| Loan and lease loss provision to assets | 0.2871% | 1,406 |
| Net operating income to assets | 1.3645% | 1,189 |
| Return on assets (ROA) | 1.8369% | 466 |
| Pretax return on assets | 1.8369% | 735 |
| Return on Equity (ROE) | 18.1623% | 350 |
| Retained earnings to average equity (ytd only) | 5.6836% | 2,250 |
| Net charge-offs to loans | 0.4945% | 301 |
| Credit loss provision to net charge-offs | 78.5992% | 2,767 |
| Earnings coverage of net charge-offs (x) | 4.5175% | 2,815 |
| Efficiency ratio | 65.8758% | 2,485 |
| Assets per employee ($millions) | 3.2725% | 4,753 |
| Cash dividends to net income (ytd only)* | 68.7064% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,862 |
| Loan loss allowance to noncurrent loans | 165.4545% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 2,083 |
| Noncurrent loans to loans | 0.7047% | 2,030 |
| Net loans and leases to total assets | 75.7612% | 1,129 |
| Net loans and leases to deposits | 87.5642% | 1,539 |
| Net loans and leases to core deposits | 101.1482% | 1,082 |
| Total domestic deposits to total assets | 86.5208% | 1,853 |
| Equity capital to assets | 10.6821% | 2,638 |
| Core capital (leverage) ratio | 9.6358% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,706,500 | 4,072 |
| Average earning assets | $85,535,750 | 4,092 |
| Average equity | $9,477,250 | 4,269 |
| Average total loans | $69,294,750 | 3,760 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 820 |
| Cost of funding earning assets | 0.8233% | 1,713 |
| Net interest margin | 4.1794% | 969 |
| Noninterest income to average assets | 0.5339% | 2,419 |
| Noninterest expense to average assets | 3.1801% | 1,195 |
| Loan and lease loss provision to assets | 0.2034% | 2,021 |
| Net operating income to assets | 0.9576% | 2,467 |
| Return on assets (ROA) | 1.2839% | 1,518 |
| Pretax return on assets | 1.2839% | 2,090 |
| Return on Equity (ROE) | 12.9298% | 1,113 |
| Retained earnings to average equity (ytd only) | 6.1662% | 2,004 |
| Net charge-offs to loans | 0.5654% | 277 |
| Credit loss provision to net charge-offs | 49.2308% | 2,627 |
| Earnings coverage of net charge-offs (x) | 2.8103% | 2,732 |
| Efficiency ratio | 73.1088% | 1,554 |
| Assets per employee ($millions) | 3.2425% | 4,769 |
| Cash dividends to net income (ytd only)* | 52.3102% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,110 |
| Loan loss allowance to noncurrent loans | 167.7489% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 2,484 |
| Noncurrent loans to loans | 0.6510% | 2,231 |
| Net loans and leases to total assets | 69.8313% | 2,054 |
| Net loans and leases to deposits | 77.8383% | 2,676 |
| Net loans and leases to core deposits | 90.5517% | 2,026 |
| Total domestic deposits to total assets | 89.7133% | 487 |
| Equity capital to assets | 9.7724% | 3,402 |
| Core capital (leverage) ratio | 9.0281% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,398,667 | 4,064 |
| Average earning assets | $85,994,000 | 4,079 |
| Average equity | $9,373,667 | 4,302 |
| Average total loans | $68,980,000 | 3,775 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 1,436 |
| Cost of funding earning assets | 0.8545% | 2,093 |
| Net interest margin | 3.9395% | 1,554 |
| Noninterest income to average assets | 0.6175% | 1,962 |
| Noninterest expense to average assets | 3.3545% | 1,136 |
| Loan and lease loss provision to assets | 0.2102% | 1,457 |
| Net operating income to assets | 0.6262% | 3,529 |
| Return on assets (ROA) | 0.7270% | 3,264 |
| Pretax return on assets | 0.7270% | 3,602 |
| Return on Equity (ROE) | 7.2576% | 2,848 |
| Retained earnings to average equity (ytd only) | 5.2028% | 2,193 |
| Net charge-offs to loans | 0.7119% | 211 |
| Credit loss provision to net charge-offs | 39.6694% | 2,097 |
| Earnings coverage of net charge-offs (x) | 1.5785% | 2,375 |
| Efficiency ratio | 79.9373% | 1,144 |
| Assets per employee ($millions) | 3.1896% | 4,695 |
| Cash dividends to net income (ytd only)* | 28.3133% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,660 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 1,976 |
| Noncurrent loans to loans | 0.9351% | 1,763 |
| Net loans and leases to total assets | 71.1605% | 2,059 |
| Net loans and leases to deposits | 80.1134% | 2,665 |
| Net loans and leases to core deposits | 104.5956% | 1,147 |
| Total domestic deposits to total assets | 88.8246% | 743 |
| Equity capital to assets | 9.7699% | 3,981 |
| Core capital (leverage) ratio | 9.8028% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,339,000 | 4,098 |
| Average earning assets | $82,853,000 | 4,130 |
| Average equity | $9,149,000 | 4,351 |
| Average total loans | $67,986,000 | 3,804 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 1,551 |
| Cost of funding earning assets | 0.9292% | 2,063 |
| Net interest margin | 4.0405% | 1,708 |
| Noninterest income to average assets | 0.5858% | 2,292 |
| Noninterest expense to average assets | 3.2419% | 1,423 |
| Loan and lease loss provision to assets | 0.3214% | 496 |
| Net operating income to assets | 0.7197% | 3,800 |
| Return on assets (ROA) | 0.6956% | 3,943 |
| Pretax return on assets | 0.6956% | 4,215 |
| Return on Equity (ROE) | 6.9683% | 3,553 |
| Retained earnings to average equity (ytd only) | 0.1649% | 4,641 |
| Net charge-offs to loans | 0.4302% | 446 |
| Credit loss provision to net charge-offs | 101.0345% | 2,447 |
| Earnings coverage of net charge-offs (x) | 3.2724% | 3,337 |
| Efficiency ratio | 75.5635% | 1,410 |
| Assets per employee ($millions) | 3.0060% | 4,825 |
| Cash dividends to net income (ytd only)* | 97.6341% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,119 |
| Loan loss allowance to noncurrent loans | 117.1582% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 1,555 |
| Noncurrent loans to loans | 1.0757% | 1,405 |
| Net loans and leases to total assets | 75.9315% | 1,428 |
| Net loans and leases to deposits | 87.0895% | 1,959 |
| Net loans and leases to core deposits | 109.0661% | 909 |
| Total domestic deposits to total assets | 87.1878% | 1,526 |
| Equity capital to assets | 10.2695% | 3,654 |
| Core capital (leverage) ratio | 9.6690% | 3,878 |
| Tier 1 risk-based capital ratio | 12.8351% | 3,878 |
| Total risk-based capital ratio | 14.0856% | 3,765 |
| Memoranda: | ||
| Average total assets | $91,150,600 | 4,129 |
| Average earning assets | $83,404,600 | 4,138 |
| Average equity | $9,098,400 | 4,362 |
| Average total loans | $67,408,200 | 3,825 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 1,624 |
| Cost of funding earning assets | 0.9082% | 2,196 |
| Net interest margin | 4.0606% | 1,728 |
| Noninterest income to average assets | 0.5427% | 2,498 |
| Noninterest expense to average assets | 3.4079% | 1,076 |
| Loan and lease loss provision to assets | 0.3224% | 438 |
| Net operating income to assets | 0.5369% | 4,435 |
| Return on assets (ROA) | 0.7426% | 3,935 |
| Pretax return on assets | 0.7426% | 4,255 |
| Return on Equity (ROE) | 7.4925% | 3,509 |
| Retained earnings to average equity (ytd only) | 0.3680% | 4,693 |
| Net charge-offs to loans | 0.4303% | 388 |
| Credit loss provision to net charge-offs | 102.3148% | 2,205 |
| Earnings coverage of net charge-offs (x) | 2.7269% | 3,170 |
| Efficiency ratio | 79.7265% | 945 |
| Assets per employee ($millions) | 3.4986% | 4,505 |
| Cash dividends to net income (ytd only)* | 95.0888% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,766 |
| Loan loss allowance to noncurrent loans | 106.5693% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9507% | 1,422 |
| Noncurrent loans to loans | 1.2682% | 1,231 |
| Net loans and leases to total assets | 67.6914% | 2,838 |
| Net loans and leases to deposits | 75.3802% | 3,356 |
| Net loans and leases to core deposits | 101.4083% | 1,555 |
| Total domestic deposits to total assets | 89.8000% | 339 |
| Equity capital to assets | 9.7871% | 4,219 |
| Core capital (leverage) ratio | 9.3208% | 4,351 |
| Tier 1 risk-based capital ratio | 13.5548% | 3,540 |
| Total risk-based capital ratio | 14.8064% | 3,454 |
| Memoranda: | ||
| Average total assets | $91,393,250 | 4,170 |
| Average earning assets | $83,827,500 | 4,178 |
| Average equity | $9,057,750 | 4,416 |
| Average total loans | $66,923,000 | 3,879 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 1,352 |
| Cost of funding earning assets | 0.8762% | 2,268 |
| Net interest margin | 4.1734% | 1,424 |
| Noninterest income to average assets | 0.5177% | 2,579 |
| Noninterest expense to average assets | 3.0796% | 1,796 |
| Loan and lease loss provision to assets | 0.1217% | 1,540 |
| Net operating income to assets | 1.1416% | 2,364 |
| Return on assets (ROA) | 1.2809% | 1,904 |
| Pretax return on assets | 1.2809% | 2,630 |
| Return on Equity (ROE) | 12.8291% | 1,298 |
| Retained earnings to average equity (ytd only) | 5.6501% | 2,445 |
| Net charge-offs to loans | 0.4170% | 401 |
| Credit loss provision to net charge-offs | 39.0071% | 2,546 |
| Earnings coverage of net charge-offs (x) | 4.0496% | 2,773 |
| Efficiency ratio | 70.8100% | 2,094 |
| Assets per employee ($millions) | 2.8120% | 5,006 |
| Cash dividends to net income (ytd only)* | 55.9585% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,150 |
| Loan loss allowance to noncurrent loans | 175.5020% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 2,131 |
| Noncurrent loans to loans | 0.7220% | 2,186 |
| Net loans and leases to total assets | 75.6787% | 1,598 |
| Net loans and leases to deposits | 84.8235% | 2,390 |
| Net loans and leases to core deposits | 112.6257% | 842 |
| Total domestic deposits to total assets | 89.2191% | 584 |
| Equity capital to assets | 10.3586% | 3,643 |
| Core capital (leverage) ratio | 9.7295% | 3,902 |
| Tier 1 risk-based capital ratio | 13.4299% | 3,618 |
| Total risk-based capital ratio | 14.6805% | 3,518 |
| Memoranda: | ||
| Average total assets | $90,401,670 | 4,215 |
| Average earning assets | $82,858,330 | 4,222 |
| Average equity | $9,026,330 | 4,431 |
| Average total loans | $67,624,670 | 3,890 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 1,189 |
| Cost of funding earning assets | 0.8558% | 2,244 |
| Net interest margin | 4.2067% | 1,292 |
| Noninterest income to average assets | 0.5165% | 2,457 |
| Noninterest expense to average assets | 3.1873% | 1,523 |
| Loan and lease loss provision to assets | 0.0574% | 2,513 |
| Net operating income to assets | 1.1345% | 2,329 |
| Return on assets (ROA) | 1.4126% | 1,371 |
| Pretax return on assets | 1.4126% | 2,040 |
| Return on Equity (ROE) | 14.4160% | 874 |
| Retained earnings to average equity (ytd only) | 11.9833% | 613 |
| Net charge-offs to loans | 0.7528% | 196 |
| Credit loss provision to net charge-offs | 10.3175% | 2,180 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 2,523 |
| Efficiency ratio | 72.6815% | 1,931 |
| Assets per employee ($millions) | 3.0429% | 4,952 |
| Cash dividends to net income (ytd only)* | 16.8750% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,119 |
| Loan loss allowance to noncurrent loans | 142.9739% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 2,035 |
| Noncurrent loans to loans | 0.9048% | 1,848 |
| Net loans and leases to total assets | 73.1339% | 1,953 |
| Net loans and leases to deposits | 81.4695% | 2,667 |
| Net loans and leases to core deposits | 108.0502% | 1,047 |
| Total domestic deposits to total assets | 89.7684% | 539 |
| Equity capital to assets | 9.9424% | 3,878 |
| Core capital (leverage) ratio | 9.5848% | 4,037 |
| Tier 1 risk-based capital ratio | 13.6185% | 3,540 |
| Total risk-based capital ratio | 14.8698% | 3,454 |
| Memoranda: | ||
| Average total assets | $90,611,000 | 4,253 |
| Average earning assets | $83,200,000 | 4,260 |
| Average equity | $8,879,000 | 4,483 |
| Average total loans | $66,951,000 | 3,945 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 1,417 |
| Cost of funding earning assets | 0.5027% | 3,331 |
| Net interest margin | 4.3496% | 1,039 |
| Noninterest income to average assets | 0.5688% | 2,455 |
| Noninterest expense to average assets | 3.6083% | 863 |
| Loan and lease loss provision to assets | 0.0170% | 3,816 |
| Net operating income to assets | 0.9220% | 3,359 |
| Return on assets (ROA) | 0.9288% | 3,326 |
| Pretax return on assets | 0.9288% | 3,817 |
| Return on Equity (ROE) | 9.6374% | 2,672 |
| Retained earnings to average equity (ytd only) | 0.8954% | 4,741 |
| Net charge-offs to loans | 0.0503% | 2,434 |
| Credit loss provision to net charge-offs | 48.3871% | 3,213 |
| Earnings coverage of net charge-offs (x) | 26.6774% | 1,716 |
| Efficiency ratio | 79.2260% | 1,020 |
| Assets per employee ($millions) | 3.1012% | 4,924 |
| Cash dividends to net income (ytd only)* | 90.7090% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,272 |
| Loan loss allowance to noncurrent loans | 146.5492% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 1,805 |
| Noncurrent loans to loans | 1.0277% | 1,595 |
| Net loans and leases to total assets | 72.5716% | 2,162 |
| Net loans and leases to deposits | 85.9660% | 2,276 |
| Net loans and leases to core deposits | 109.6923% | 1,023 |
| Total domestic deposits to total assets | 84.4189% | 2,864 |
| Equity capital to assets | 9.6535% | 4,003 |
| Core capital (leverage) ratio | 9.6557% | 3,945 |
| Tier 1 risk-based capital ratio | 13.3994% | 3,605 |
| Total risk-based capital ratio | 14.6533% | 3,500 |
| Memoranda: | ||
| Average total assets | $88,073,800 | 4,302 |
| Average earning assets | $80,559,600 | 4,309 |
| Average equity | $8,487,800 | 4,530 |
| Average total loans | $61,671,000 | 4,053 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 1,759 |
| Cost of funding earning assets | 0.4351% | 3,629 |
| Net interest margin | 4.2377% | 1,267 |
| Noninterest income to average assets | 0.5479% | 2,576 |
| Noninterest expense to average assets | 3.2340% | 1,449 |
| Loan and lease loss provision to assets | 0.0533% | 2,912 |
| Net operating income to assets | 1.1292% | 2,535 |
| Return on assets (ROA) | 1.1384% | 2,514 |
| Pretax return on assets | 1.1384% | 3,253 |
| Return on Equity (ROE) | 11.8175% | 1,870 |
| Retained earnings to average equity (ytd only) | 5.4190% | 2,998 |
| Net charge-offs to loans | 0.0441% | 2,216 |
| Credit loss provision to net charge-offs | 175.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | 38.8440% | 1,382 |
| Efficiency ratio | 73.2254% | 1,695 |
| Assets per employee ($millions) | 2.9632% | 5,061 |
| Cash dividends to net income (ytd only)* | 54.1446% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 769 |
| Loan loss allowance to noncurrent loans | 306.4171% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 2,994 |
| Noncurrent loans to loans | 0.5770% | 2,648 |
| Net loans and leases to total assets | 69.3171% | 2,755 |
| Net loans and leases to deposits | 76.5543% | 3,367 |
| Net loans and leases to core deposits | 93.2925% | 2,372 |
| Total domestic deposits to total assets | 90.5464% | 325 |
| Equity capital to assets | 9.2011% | 4,364 |
| Core capital (leverage) ratio | 9.9282% | 3,710 |
| Tier 1 risk-based capital ratio | 12.6607% | 4,105 |
| Total risk-based capital ratio | 13.9153% | 4,001 |
| Memoranda: | ||
| Average total assets | $87,608,250 | 4,356 |
| Average earning assets | $79,978,750 | 4,367 |
| Average equity | $8,439,250 | 4,580 |
| Average total loans | $60,522,250 | 4,121 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 1,629 |
| Cost of funding earning assets | 0.3936% | 3,767 |
| Net interest margin | 4.2608% | 1,132 |
| Noninterest income to average assets | 0.5592% | 2,523 |
| Noninterest expense to average assets | 3.1952% | 1,542 |
| Loan and lease loss provision to assets | 0.0464% | 2,973 |
| Net operating income to assets | 1.2113% | 2,149 |
| Return on assets (ROA) | 1.2113% | 2,145 |
| Pretax return on assets | 1.2113% | 2,904 |
| Return on Equity (ROE) | 12.3770% | 1,592 |
| Retained earnings to average equity (ytd only) | 5.9751% | 2,577 |
| Net charge-offs to loans | 0.0745% | 1,584 |
| Credit loss provision to net charge-offs | 90.9091% | 2,146 |
| Earnings coverage of net charge-offs (x) | 24.6364% | 1,668 |
| Efficiency ratio | 71.7561% | 2,039 |
| Assets per employee ($millions) | 2.7005% | 5,262 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8326% | 708 |
| Loan loss allowance to noncurrent loans | 233.1950% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,605 |
| Noncurrent loans to loans | 0.7859% | 2,157 |
| Net loans and leases to total assets | 67.5633% | 2,936 |
| Net loans and leases to deposits | 77.5340% | 3,198 |
| Net loans and leases to core deposits | 89.2395% | 2,627 |
| Total domestic deposits to total assets | 87.1402% | 1,779 |
| Equity capital to assets | 9.5517% | 4,051 |
| Core capital (leverage) ratio | 9.7051% | 3,877 |
| Tier 1 risk-based capital ratio | 13.1423% | 3,826 |
| Total risk-based capital ratio | 14.3985% | 3,734 |
| Memoranda: | ||
| Average total assets | $86,191,330 | 4,408 |
| Average earning assets | $78,765,000 | 4,426 |
| Average equity | $8,435,000 | 4,626 |
| Average total loans | $59,089,670 | 4,187 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,584 |
| Cost of funding earning assets | 0.3390% | 4,073 |
| Net interest margin | 4.2581% | 1,027 |
| Noninterest income to average assets | 0.5523% | 2,512 |
| Noninterest expense to average assets | 3.1488% | 1,693 |
| Loan and lease loss provision to assets | 0.0236% | 3,215 |
| Net operating income to assets | 1.2935% | 1,662 |
| Return on assets (ROA) | 1.2935% | 1,666 |
| Pretax return on assets | 1.2935% | 2,391 |
| Return on Equity (ROE) | 13.0531% | 1,245 |
| Retained earnings to average equity (ytd only) | 13.0531% | 511 |
| Net charge-offs to loans | 0.1173% | 1,080 |
| Credit loss provision to net charge-offs | 29.4118% | 2,069 |
| Earnings coverage of net charge-offs (x) | 16.4118% | 1,625 |
| Efficiency ratio | 70.5074% | 2,414 |
| Assets per employee ($millions) | 2.8644% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 734 |
| Loan loss allowance to noncurrent loans | 312.4294% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,240 |
| Noncurrent loans to loans | 0.5859% | 2,783 |
| Net loans and leases to total assets | 66.7943% | 2,924 |
| Net loans and leases to deposits | 74.9725% | 3,319 |
| Net loans and leases to core deposits | 83.5082% | 3,016 |
| Total domestic deposits to total assets | 89.0917% | 1,053 |
| Equity capital to assets | 9.6267% | 3,967 |
| Core capital (leverage) ratio | 9.9378% | 3,595 |
| Tier 1 risk-based capital ratio | 13.6058% | 3,596 |
| Total risk-based capital ratio | 14.8620% | 3,507 |
| Memoranda: | ||
| Average total assets | $84,729,500 | 4,481 |
| Average earning assets | $77,875,500 | 4,493 |
| Average equity | $8,396,500 | 4,684 |
| Average total loans | $57,968,000 | 4,249 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,258 |
| Cost of funding earning assets | 0.3725% | 3,492 |
| Net interest margin | 3.9487% | 1,921 |
| Noninterest income to average assets | 0.5255% | 2,846 |
| Noninterest expense to average assets | 3.1045% | 1,848 |
| Loan and lease loss provision to assets | 0.0219% | 3,859 |
| Net operating income to assets | 1.1084% | 1,833 |
| Return on assets (ROA) | 1.1291% | 1,788 |
| Pretax return on assets | 1.1291% | 3,066 |
| Return on Equity (ROE) | 10.6278% | 1,625 |
| Retained earnings to average equity (ytd only) | -2.9726% | 5,343 |
| Net charge-offs to loans | 0.0335% | 3,121 |
| Credit loss provision to net charge-offs | 105.8824% | 2,432 |
| Earnings coverage of net charge-offs (x) | 54.5294% | 1,030 |
| Efficiency ratio | 73.3084% | 2,013 |
| Assets per employee ($millions) | 2.9876% | 5,206 |
| Cash dividends to net income (ytd only)* | 127.9698% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,203 |
| Loan loss allowance to noncurrent loans | 3,237.0370% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,974 |
| Noncurrent loans to loans | 0.0486% | 4,774 |
| Net loans and leases to total assets | 67.7452% | 2,859 |
| Net loans and leases to deposits | 76.1373% | 3,318 |
| Net loans and leases to core deposits | 85.1171% | 2,976 |
| Total domestic deposits to total assets | 88.9777% | 1,011 |
| Equity capital to assets | 10.2214% | 3,469 |
| Core capital (leverage) ratio | 10.4051% | 2,960 |
| Tier 1 risk-based capital ratio | 14.8939% | 2,894 |
| Total risk-based capital ratio | 16.1465% | 2,829 |
| Memoranda: | ||
| Average total assets | $82,010,600 | 4,553 |
| Average earning assets | $77,038,400 | 4,521 |
| Average equity | $8,713,000 | 4,661 |
| Average total loans | $50,812,400 | 4,438 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,495 |
| Cost of funding earning assets | 0.3730% | 3,437 |
| Net interest margin | 3.8625% | 2,176 |
| Noninterest income to average assets | 0.5262% | 2,859 |
| Noninterest expense to average assets | 2.8723% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2921% | 1,366 |
| Return on assets (ROA) | 1.2872% | 1,408 |
| Pretax return on assets | 1.2872% | 2,559 |
| Return on Equity (ROE) | 12.0042% | 1,338 |
| Retained earnings to average equity (ytd only) | 5.0735% | 2,838 |
| Net charge-offs to loans | 0.0242% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 88.6642% | 751 |
| Efficiency ratio | 68.9736% | 2,714 |
| Assets per employee ($millions) | 3.3104% | 4,958 |
| Cash dividends to net income (ytd only)* | 57.7356% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,287 |
| Loan loss allowance to noncurrent loans | 43,200.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,259 |
| Noncurrent loans to loans | 0.0037% | 5,138 |
| Net loans and leases to total assets | 65.1107% | 3,230 |
| Net loans and leases to deposits | 74.9319% | 3,478 |
| Net loans and leases to core deposits | 83.7491% | 3,147 |
| Total domestic deposits to total assets | 86.8933% | 1,907 |
| Equity capital to assets | 10.9946% | 2,872 |
| Core capital (leverage) ratio | 10.9462% | 2,510 |
| Tier 1 risk-based capital ratio | 16.2685% | 2,391 |
| Total risk-based capital ratio | 17.5214% | 2,348 |
| Memoranda: | ||
| Average total assets | $82,347,250 | 4,591 |
| Average earning assets | $77,564,750 | 4,550 |
| Average equity | $8,830,000 | 4,690 |
| Average total loans | $49,635,500 | 4,510 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 2,687 |
| Cost of funding earning assets | 0.3600% | 3,482 |
| Net interest margin | 3.7860% | 2,341 |
| Noninterest income to average assets | 0.5449% | 2,746 |
| Noninterest expense to average assets | 2.8269% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2748% | 1,364 |
| Return on assets (ROA) | 1.2845% | 1,367 |
| Pretax return on assets | 1.2845% | 2,446 |
| Return on Equity (ROE) | 12.0819% | 1,277 |
| Retained earnings to average equity (ytd only) | 4.6680% | 2,933 |
| Net charge-offs to loans | 0.0376% | 2,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 58.2222% | 973 |
| Efficiency ratio | 68.9205% | 2,861 |
| Assets per employee ($millions) | 2.9773% | 5,288 |
| Cash dividends to net income (ytd only)* | 61.3636% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,211 |
| Loan loss allowance to noncurrent loans | 28,800.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,293 |
| Noncurrent loans to loans | 0.0056% | 5,168 |
| Net loans and leases to total assets | 62.8477% | 3,529 |
| Net loans and leases to deposits | 72.1706% | 3,718 |
| Net loans and leases to core deposits | 81.4327% | 3,300 |
| Total domestic deposits to total assets | 87.0821% | 1,907 |
| Equity capital to assets | 10.8103% | 3,023 |
| Core capital (leverage) ratio | 10.9935% | 2,411 |
| Tier 1 risk-based capital ratio | 16.0999% | 2,458 |
| Total risk-based capital ratio | 17.3526% | 2,406 |
| Memoranda: | ||
| Average total assets | $82,210,000 | 4,628 |
| Average earning assets | $77,231,670 | 4,582 |
| Average equity | $8,740,330 | 4,731 |
| Average total loans | $47,931,000 | 4,583 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 2,740 |
| Cost of funding earning assets | 0.3489% | 3,543 |
| Net interest margin | 3.7287% | 2,383 |
| Noninterest income to average assets | 0.5782% | 2,520 |
| Noninterest expense to average assets | 2.9890% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0976% | 1,883 |
| Return on assets (ROA) | 1.0976% | 1,925 |
| Pretax return on assets | 1.0976% | 3,000 |
| Return on Equity (ROE) | 10.4132% | 1,774 |
| Retained earnings to average equity (ytd only) | 10.4132% | 728 |
| Net charge-offs to loans | 0.0088% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 250 |
| Efficiency ratio | 73.1415% | 2,384 |
| Assets per employee ($millions) | 2.8799% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8860% | 803 |
| Loan loss allowance to noncurrent loans | 29,100.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,361 |
| Noncurrent loans to loans | 0.0065% | 5,234 |
| Net loans and leases to total assets | 56.3208% | 4,137 |
| Net loans and leases to deposits | 64.8069% | 4,263 |
| Net loans and leases to core deposits | 71.1615% | 4,061 |
| Total domestic deposits to total assets | 86.9057% | 2,265 |
| Equity capital to assets | 10.9192% | 2,724 |
| Core capital (leverage) ratio | 11.2812% | 2,119 |
| Tier 1 risk-based capital ratio | 17.5113% | 2,031 |
| Total risk-based capital ratio | 18.7667% | 1,981 |
| Memoranda: | ||
| Average total assets | $81,632,500 | 4,682 |
| Average earning assets | $76,810,500 | 4,635 |
| Average equity | $8,604,500 | 4,796 |
| Average total loans | $45,268,000 | 4,697 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 2,561 |
| Cost of funding earning assets | 0.3864% | 3,141 |
| Net interest margin | 3.7917% | 2,347 |
| Noninterest income to average assets | 0.4664% | 3,438 |
| Noninterest expense to average assets | 3.0372% | 2,232 |
| Loan and lease loss provision to assets | 0.0172% | 4,036 |
| Net operating income to assets | 0.9500% | 2,585 |
| Return on assets (ROA) | 1.1211% | 1,901 |
| Pretax return on assets | 1.1211% | 3,013 |
| Return on Equity (ROE) | 10.0601% | 1,932 |
| Retained earnings to average equity (ytd only) | 2.2638% | 4,242 |
| Net charge-offs to loans | 0.0323% | 3,377 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 56.1429% | 944 |
| Efficiency ratio | 75.8451% | 2,005 |
| Assets per employee ($millions) | 3.1780% | 5,179 |
| Cash dividends to net income (ytd only)* | 77.4973% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 52.4925% | 4,567 |
| Net loans and leases to deposits | 59.8984% | 4,676 |
| Net loans and leases to core deposits | 68.2513% | 4,380 |
| Total domestic deposits to total assets | 87.6360% | 1,817 |
| Equity capital to assets | 10.1710% | 3,518 |
| Core capital (leverage) ratio | 10.3832% | 3,012 |
| Tier 1 risk-based capital ratio | 17.5999% | 1,974 |
| Total risk-based capital ratio | 18.8555% | 1,934 |
| Memoranda: | ||
| Average total assets | $81,260,200 | 4,713 |
| Average earning assets | $75,824,000 | 4,680 |
| Average equity | $9,055,600 | 4,751 |
| Average total loans | $43,372,200 | 4,770 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 2,496 |
| Cost of funding earning assets | 0.3960% | 3,055 |
| Net interest margin | 3.8084% | 2,301 |
| Noninterest income to average assets | 0.4630% | 3,469 |
| Noninterest expense to average assets | 2.8093% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2028% | 1,643 |
| Return on assets (ROA) | 1.4121% | 1,095 |
| Pretax return on assets | 1.4121% | 1,997 |
| Return on Equity (ROE) | 12.3951% | 1,205 |
| Retained earnings to average equity (ytd only) | 6.0891% | 2,131 |
| Net charge-offs to loans | 0.0062% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 364.5356% | 241 |
| Efficiency ratio | 70.0205% | 2,884 |
| Assets per employee ($millions) | 3.0210% | 5,374 |
| Cash dividends to net income (ytd only)* | 50.8752% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9667% | 763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 53.2881% | 4,558 |
| Net loans and leases to deposits | 61.9818% | 4,630 |
| Net loans and leases to core deposits | 69.2685% | 4,380 |
| Total domestic deposits to total assets | 85.9737% | 2,371 |
| Equity capital to assets | 11.7117% | 2,338 |
| Core capital (leverage) ratio | 10.9188% | 2,542 |
| Tier 1 risk-based capital ratio | 18.0333% | 1,907 |
| Total risk-based capital ratio | 19.2891% | 1,877 |
| Memoranda: | ||
| Average total assets | $80,918,500 | 4,755 |
| Average earning assets | $75,409,750 | 4,730 |
| Average equity | $9,218,500 | 4,759 |
| Average total loans | $43,153,500 | 4,822 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 2,486 |
| Cost of funding earning assets | 0.4033% | 3,000 |
| Net interest margin | 3.8053% | 2,301 |
| Noninterest income to average assets | 0.4535% | 3,496 |
| Noninterest expense to average assets | 2.7211% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2862% | 1,315 |
| Return on assets (ROA) | 1.2986% | 1,384 |
| Pretax return on assets | 1.2986% | 2,415 |
| Return on Equity (ROE) | 11.5076% | 1,478 |
| Retained earnings to average equity (ytd only) | 4.8973% | 2,796 |
| Net charge-offs to loans | -0.0140% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9035% | 3,363 |
| Assets per employee ($millions) | 3.0299% | 5,390 |
| Cash dividends to net income (ytd only)* | 57.4427% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 769 |
| Loan loss allowance to noncurrent loans | 12,528.5714% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,593 |
| Noncurrent loans to loans | 0.0158% | 5,421 |
| Net loans and leases to total assets | 53.0737% | 4,580 |
| Net loans and leases to deposits | 61.7285% | 4,677 |
| Net loans and leases to core deposits | 70.9259% | 4,255 |
| Total domestic deposits to total assets | 85.9792% | 2,430 |
| Equity capital to assets | 11.6457% | 2,407 |
| Core capital (leverage) ratio | 10.7905% | 2,665 |
| Tier 1 risk-based capital ratio | 17.0374% | 2,206 |
| Total risk-based capital ratio | 18.2926% | 2,163 |
| Memoranda: | ||
| Average total assets | $80,702,000 | 4,800 |
| Average earning assets | $75,369,330 | 4,772 |
| Average equity | $9,107,000 | 4,822 |
| Average total loans | $42,758,670 | 4,870 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,586 |
| Cost of funding earning assets | 0.3945% | 3,147 |
| Net interest margin | 3.7748% | 2,387 |
| Noninterest income to average assets | 0.4242% | 3,654 |
| Noninterest expense to average assets | 2.5353% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4223% | 1,002 |
| Return on assets (ROA) | 1.4473% | 995 |
| Pretax return on assets | 1.4473% | 1,758 |
| Return on Equity (ROE) | 13.0381% | 1,033 |
| Retained earnings to average equity (ytd only) | 13.0381% | 390 |
| Net charge-offs to loans | -0.0191% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0605% | 4,114 |
| Assets per employee ($millions) | 2.9964% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 850 |
| Loan loss allowance to noncurrent loans | 43,800.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,680 |
| Noncurrent loans to loans | 0.0045% | 5,513 |
| Net loans and leases to total assets | 53.7446% | 4,475 |
| Net loans and leases to deposits | 62.3938% | 4,554 |
| Net loans and leases to core deposits | 71.6409% | 4,094 |
| Total domestic deposits to total assets | 86.1377% | 2,614 |
| Equity capital to assets | 11.4433% | 2,492 |
| Core capital (leverage) ratio | 11.0286% | 2,385 |
| Tier 1 risk-based capital ratio | 17.3546% | 2,172 |
| Total risk-based capital ratio | 18.6101% | 2,139 |
| Memoranda: | ||
| Average total assets | $80,149,500 | 4,855 |
| Average earning assets | $75,023,500 | 4,823 |
| Average equity | $8,897,000 | 4,890 |
| Average total loans | $41,990,500 | 4,937 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 3,581 |
| Cost of funding earning assets | 0.3772% | 3,401 |
| Net interest margin | 3.5580% | 3,291 |
| Noninterest income to average assets | 0.4424% | 3,729 |
| Noninterest expense to average assets | 2.9846% | 2,601 |
| Loan and lease loss provision to assets | -0.0150% | 5,647 |
| Net operating income to assets | 0.8225% | 3,233 |
| Return on assets (ROA) | 0.8225% | 3,315 |
| Pretax return on assets | 0.8225% | 4,117 |
| Return on Equity (ROE) | 7.6814% | 3,145 |
| Retained earnings to average equity (ytd only) | 1.2919% | 4,980 |
| Net charge-offs to loans | -0.0311% | 5,411 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7052% | 1,858 |
| Assets per employee ($millions) | 3.0537% | 5,473 |
| Cash dividends to net income (ytd only)* | 83.1818% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2057% | 587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 48.8060% | 4,952 |
| Net loans and leases to deposits | 56.3669% | 5,023 |
| Net loans and leases to core deposits | 64.4544% | 4,711 |
| Total domestic deposits to total assets | 86.5862% | 2,333 |
| Equity capital to assets | 10.7512% | 3,074 |
| Core capital (leverage) ratio | 10.8028% | 2,604 |
| Tier 1 risk-based capital ratio | 17.7676% | 2,032 |
| Total risk-based capital ratio | 19.0238% | 1,978 |
| Memoranda: | ||
| Average total assets | $80,246,400 | 4,865 |
| Average earning assets | $75,547,800 | 4,820 |
| Average equity | $8,592,200 | 4,937 |
| Average total loans | $38,526,600 | 5,068 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 3,742 |
| Cost of funding earning assets | 0.3806% | 3,430 |
| Net interest margin | 3.5200% | 3,467 |
| Noninterest income to average assets | 0.4093% | 4,012 |
| Noninterest expense to average assets | 2.6895% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0456% | 2,238 |
| Return on assets (ROA) | 1.0456% | 2,335 |
| Pretax return on assets | 1.0456% | 3,429 |
| Return on Equity (ROE) | 9.7756% | 2,188 |
| Retained earnings to average equity (ytd only) | 3.3619% | 4,078 |
| Net charge-offs to loans | -0.0453% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0053% | 2,881 |
| Assets per employee ($millions) | 3.0669% | 5,470 |
| Cash dividends to net income (ytd only)* | 65.6108% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2710% | 592 |
| Loan loss allowance to noncurrent loans | 739.1667% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 5,161 |
| Noncurrent loans to loans | 0.3072% | 4,501 |
| Net loans and leases to total assets | 47.8699% | 5,090 |
| Net loans and leases to deposits | 55.4344% | 5,161 |
| Net loans and leases to core deposits | 61.1813% | 4,990 |
| Total domestic deposits to total assets | 86.3542% | 2,358 |
| Equity capital to assets | 10.9131% | 3,113 |
| Core capital (leverage) ratio | 10.8681% | 2,621 |
| Tier 1 risk-based capital ratio | 18.3818% | 1,929 |
| Total risk-based capital ratio | 19.6385% | 1,888 |
| Memoranda: | ||
| Average total assets | $80,459,000 | 4,918 |
| Average earning assets | $76,021,250 | 4,866 |
| Average equity | $8,606,250 | 4,996 |
| Average total loans | $38,252,250 | 5,133 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 3,814 |
| Cost of funding earning assets | 0.3831% | 3,447 |
| Net interest margin | 3.4818% | 3,572 |
| Noninterest income to average assets | 0.4040% | 4,058 |
| Noninterest expense to average assets | 2.7287% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9641% | 2,568 |
| Return on assets (ROA) | 0.9641% | 2,677 |
| Pretax return on assets | 0.9641% | 3,722 |
| Return on Equity (ROE) | 9.0736% | 2,497 |
| Retained earnings to average equity (ytd only) | 2.7757% | 4,281 |
| Net charge-offs to loans | -0.0685% | 5,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8926% | 2,690 |
| Assets per employee ($millions) | 3.0787% | 5,499 |
| Cash dividends to net income (ytd only)* | 69.4087% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2285% | 707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.6164% | 5,046 |
| Net loans and leases to deposits | 57.3500% | 5,036 |
| Net loans and leases to core deposits | 62.3664% | 4,917 |
| Total domestic deposits to total assets | 84.7714% | 3,225 |
| Equity capital to assets | 10.6662% | 3,254 |
| Core capital (leverage) ratio | 10.6697% | 2,771 |
| Tier 1 risk-based capital ratio | 17.7452% | 2,145 |
| Total risk-based capital ratio | 19.0029% | 2,091 |
| Memoranda: | ||
| Average total assets | $80,699,000 | 4,963 |
| Average earning assets | $76,225,000 | 4,917 |
| Average equity | $8,574,330 | 5,042 |
| Average total loans | $37,983,670 | 5,186 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 3,925 |
| Cost of funding earning assets | 0.4018% | 3,282 |
| Net interest margin | 3.4182% | 3,766 |
| Noninterest income to average assets | 0.3999% | 4,008 |
| Noninterest expense to average assets | 2.5622% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0713% | 1,969 |
| Return on assets (ROA) | 1.0713% | 2,090 |
| Pretax return on assets | 1.0713% | 3,211 |
| Return on Equity (ROE) | 10.1018% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.1018% | 899 |
| Net charge-offs to loans | 0.0216% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 462 |
| Efficiency ratio | 70.5163% | 3,392 |
| Assets per employee ($millions) | 3.0058% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2650% | 735 |
| Loan loss allowance to noncurrent loans | 7,266.6667% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,892 |
| Noncurrent loans to loans | 0.0312% | 5,671 |
| Net loans and leases to total assets | 46.3632% | 5,178 |
| Net loans and leases to deposits | 53.7229% | 5,214 |
| Net loans and leases to core deposits | 59.0607% | 5,062 |
| Total domestic deposits to total assets | 86.3006% | 2,767 |
| Equity capital to assets | 10.9134% | 3,073 |
| Core capital (leverage) ratio | 10.7931% | 2,634 |
| Tier 1 risk-based capital ratio | 18.3143% | 2,058 |
| Total risk-based capital ratio | 19.5704% | 2,013 |
| Memoranda: | ||
| Average total assets | $81,025,000 | 5,007 |
| Average earning assets | $76,648,000 | 4,947 |
| Average equity | $8,592,500 | 5,079 |
| Average total loans | $37,074,000 | 5,244 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 4,529 |
| Cost of funding earning assets | 0.3801% | 3,907 |
| Net interest margin | 3.4088% | 4,164 |
| Noninterest income to average assets | 0.4320% | 3,958 |
| Noninterest expense to average assets | 2.8329% | 3,370 |
| Loan and lease loss provision to assets | -0.0038% | 5,891 |
| Net operating income to assets | 0.8258% | 3,251 |
| Return on assets (ROA) | 0.8258% | 3,343 |
| Pretax return on assets | 0.8258% | 4,163 |
| Return on Equity (ROE) | 8.4932% | 2,845 |
| Retained earnings to average equity (ytd only) | 1.2714% | 5,205 |
| Net charge-offs to loans | -0.0085% | 5,533 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5105% | 2,277 |
| Assets per employee ($millions) | 3.2357% | 5,381 |
| Cash dividends to net income (ytd only)* | 85.0309% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4517% | 594 |
| Loan loss allowance to noncurrent loans | 3,641.6667% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 5,924 |
| Noncurrent loans to loans | 0.0673% | 5,612 |
| Net loans and leases to total assets | 42.9889% | 5,538 |
| Net loans and leases to deposits | 49.5413% | 5,604 |
| Net loans and leases to core deposits | 54.8805% | 5,456 |
| Total domestic deposits to total assets | 86.7739% | 2,405 |
| Equity capital to assets | 10.2951% | 3,728 |
| Core capital (leverage) ratio | 10.6072% | 2,829 |
| Tier 1 risk-based capital ratio | 18.6245% | 1,953 |
| Total risk-based capital ratio | 19.8821% | 1,918 |
| Memoranda: | ||
| Average total assets | $78,471,000 | 5,103 |
| Average earning assets | $74,190,600 | 5,036 |
| Average equity | $7,629,600 | 5,289 |
| Average total loans | $35,088,000 | 5,360 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 4,521 |
| Cost of funding earning assets | 0.3930% | 3,862 |
| Net interest margin | 3.4136% | 4,179 |
| Noninterest income to average assets | 0.4332% | 3,999 |
| Noninterest expense to average assets | 2.5274% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1335% | 1,919 |
| Return on assets (ROA) | 1.1335% | 1,985 |
| Pretax return on assets | 1.1335% | 3,053 |
| Return on Equity (ROE) | 11.8396% | 1,519 |
| Retained earnings to average equity (ytd only) | 4.5964% | 3,365 |
| Net charge-offs to loans | -0.0114% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0365% | 3,668 |
| Assets per employee ($millions) | 3.1615% | 5,502 |
| Cash dividends to net income (ytd only)* | 61.1790% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5407% | 615 |
| Loan loss allowance to noncurrent loans | 87,700.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,993 |
| Noncurrent loans to loans | 0.0029% | 6,039 |
| Net loans and leases to total assets | 42.5636% | 5,632 |
| Net loans and leases to deposits | 49.0658% | 5,697 |
| Net loans and leases to core deposits | 55.4318% | 5,482 |
| Total domestic deposits to total assets | 86.7480% | 2,449 |
| Equity capital to assets | 10.1446% | 3,999 |
| Core capital (leverage) ratio | 10.9558% | 2,528 |
| Tier 1 risk-based capital ratio | 19.4086% | 1,796 |
| Total risk-based capital ratio | 20.6682% | 1,768 |
| Memoranda: | ||
| Average total assets | $77,865,500 | 5,172 |
| Average earning assets | $73,626,250 | 5,112 |
| Average equity | $7,455,000 | 5,355 |
| Average total loans | $34,947,750 | 5,418 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 4,976 |
| Cost of funding earning assets | 0.3958% | 3,906 |
| Net interest margin | 3.2650% | 4,716 |
| Noninterest income to average assets | 0.4414% | 3,928 |
| Noninterest expense to average assets | 2.5376% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9913% | 2,355 |
| Return on assets (ROA) | 0.9913% | 2,434 |
| Pretax return on assets | 0.9913% | 3,512 |
| Return on Equity (ROE) | 10.5678% | 1,911 |
| Retained earnings to average equity (ytd only) | 3.1373% | 4,209 |
| Net charge-offs to loans | 0.0171% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 468 |
| Efficiency ratio | 71.9093% | 3,361 |
| Assets per employee ($millions) | 3.1195% | 5,567 |
| Cash dividends to net income (ytd only)* | 70.3125% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4137% | 803 |
| Loan loss allowance to noncurrent loans | 116.1333% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9247% | 3,238 |
| Noncurrent loans to loans | 2.0784% | 1,611 |
| Net loans and leases to total assets | 43.4167% | 5,573 |
| Net loans and leases to deposits | 49.7155% | 5,652 |
| Net loans and leases to core deposits | 55.4909% | 5,445 |
| Total domestic deposits to total assets | 87.3303% | 2,284 |
| Equity capital to assets | 9.6046% | 4,616 |
| Core capital (leverage) ratio | 10.7997% | 2,622 |
| Tier 1 risk-based capital ratio | 18.4405% | 2,087 |
| Total risk-based capital ratio | 19.6984% | 2,043 |
| Memoranda: | ||
| Average total assets | $77,475,000 | 5,216 |
| Average earning assets | $73,262,670 | 5,155 |
| Average equity | $7,267,330 | 5,420 |
| Average total loans | $35,091,000 | 5,455 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 4,400 |
| Cost of funding earning assets | 0.4038% | 3,926 |
| Net interest margin | 3.4158% | 4,050 |
| Noninterest income to average assets | 0.4652% | 3,667 |
| Noninterest expense to average assets | 2.4478% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2371% | 1,379 |
| Return on assets (ROA) | 1.2371% | 1,437 |
| Pretax return on assets | 1.2371% | 2,323 |
| Return on Equity (ROE) | 13.3600% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.3600% | 449 |
| Net charge-offs to loans | -0.0578% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4275% | 4,455 |
| Assets per employee ($millions) | 2.9090% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5736% | 743 |
| Loan loss allowance to noncurrent loans | 115.5059% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 3,251 |
| Noncurrent loans to loans | 2.2281% | 1,622 |
| Net loans and leases to total assets | 43.9942% | 5,517 |
| Net loans and leases to deposits | 50.6623% | 5,546 |
| Net loans and leases to core deposits | 54.7935% | 5,448 |
| Total domestic deposits to total assets | 86.8381% | 2,918 |
| Equity capital to assets | 9.8486% | 4,036 |
| Core capital (leverage) ratio | 11.3506% | 2,093 |
| Tier 1 risk-based capital ratio | 19.7503% | 1,781 |
| Total risk-based capital ratio | 21.0103% | 1,746 |
| Memoranda: | ||
| Average total assets | $75,659,000 | 5,308 |
| Average earning assets | $71,315,000 | 5,247 |
| Average equity | $7,006,000 | 5,517 |
| Average total loans | $34,594,000 | 5,519 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 5,061 |
| Cost of funding earning assets | 0.4449% | 4,163 |
| Net interest margin | 3.2769% | 4,746 |
| Noninterest income to average assets | 0.4553% | 4,054 |
| Noninterest expense to average assets | 2.8442% | 3,552 |
| Loan and lease loss provision to assets | -0.0503% | 6,381 |
| Net operating income to assets | 0.7610% | 3,491 |
| Return on assets (ROA) | 0.8100% | 3,340 |
| Pretax return on assets | 0.8100% | 4,111 |
| Return on Equity (ROE) | 8.2738% | 2,895 |
| Retained earnings to average equity (ytd only) | 0.9734% | 5,404 |
| Net charge-offs to loans | -0.1177% | 6,514 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0074% | 2,148 |
| Assets per employee ($millions) | 3.1535% | 5,587 |
| Cash dividends to net income (ytd only)* | 88.2353% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4947% | 829 |
| Loan loss allowance to noncurrent loans | 110.2144% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.0478% | 3,320 |
| Noncurrent loans to loans | 2.2635% | 1,710 |
| Net loans and leases to total assets | 45.1356% | 5,568 |
| Net loans and leases to deposits | 52.1264% | 5,612 |
| Net loans and leases to core deposits | 58.1348% | 5,383 |
| Total domestic deposits to total assets | 86.5888% | 2,944 |
| Equity capital to assets | 8.6717% | 5,402 |
| Core capital (leverage) ratio | 11.2329% | 2,170 |
| Tier 1 risk-based capital ratio | 18.9027% | 1,955 |
| Total risk-based capital ratio | 20.1612% | 1,912 |
| Memoranda: | ||
| Average total assets | $75,557,000 | 5,338 |
| Average earning assets | $71,470,800 | 5,269 |
| Average equity | $7,396,800 | 5,475 |
| Average total loans | $32,271,800 | 5,653 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 5,279 |
| Cost of funding earning assets | 0.4500% | 4,273 |
| Net interest margin | 3.2093% | 4,966 |
| Noninterest income to average assets | 0.4308% | 4,290 |
| Noninterest expense to average assets | 2.6763% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8015% | 3,335 |
| Return on assets (ROA) | 1.0239% | 2,365 |
| Pretax return on assets | 1.0239% | 3,404 |
| Return on Equity (ROE) | 10.1681% | 2,114 |
| Retained earnings to average equity (ytd only) | 3.0680% | 4,483 |
| Net charge-offs to loans | -0.0211% | 6,054 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9543% | 2,568 |
| Assets per employee ($millions) | 2.6472% | 6,334 |
| Cash dividends to net income (ytd only)* | 69.8284% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7049% | 739 |
| Loan loss allowance to noncurrent loans | 114.1558% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 3,576 |
| Noncurrent loans to loans | 2.3695% | 1,856 |
| Net loans and leases to total assets | 42.6559% | 5,847 |
| Net loans and leases to deposits | 48.8007% | 5,917 |
| Net loans and leases to core deposits | 54.1842% | 5,752 |
| Total domestic deposits to total assets | 87.4084% | 2,459 |
| Equity capital to assets | 8.9867% | 5,206 |
| Core capital (leverage) ratio | 11.5620% | 1,992 |
| Tier 1 risk-based capital ratio | 20.3559% | 1,639 |
| Total risk-based capital ratio | 21.6163% | 1,612 |
| Memoranda: | ||
| Average total assets | $75,525,500 | 5,394 |
| Average earning assets | $71,706,250 | 5,311 |
| Average equity | $7,605,250 | 5,494 |
| Average total loans | $31,581,250 | 5,743 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 5,248 |
| Cost of funding earning assets | 0.4545% | 4,382 |
| Net interest margin | 3.2121% | 4,901 |
| Noninterest income to average assets | 0.4342% | 4,285 |
| Noninterest expense to average assets | 2.6923% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7922% | 3,336 |
| Return on assets (ROA) | 1.1238% | 1,962 |
| Pretax return on assets | 1.1238% | 2,997 |
| Return on Equity (ROE) | 10.7828% | 1,888 |
| Retained earnings to average equity (ytd only) | 3.9646% | 3,768 |
| Net charge-offs to loans | -0.0128% | 5,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2659% | 2,583 |
| Assets per employee ($millions) | 2.6430% | 6,359 |
| Cash dividends to net income (ytd only)* | 63.2319% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8215% | 691 |
| Loan loss allowance to noncurrent loans | 113.9142% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 3,676 |
| Noncurrent loans to loans | 2.4769% | 1,881 |
| Net loans and leases to total assets | 40.7700% | 5,991 |
| Net loans and leases to deposits | 47.0254% | 6,043 |
| Net loans and leases to core deposits | 52.2686% | 5,868 |
| Total domestic deposits to total assets | 86.6978% | 2,997 |
| Equity capital to assets | 9.5874% | 4,466 |
| Core capital (leverage) ratio | 11.1828% | 2,188 |
| Tier 1 risk-based capital ratio | 21.2810% | 1,426 |
| Total risk-based capital ratio | 22.5414% | 1,394 |
| Memoranda: | ||
| Average total assets | $75,993,670 | 5,416 |
| Average earning assets | $72,165,670 | 5,330 |
| Average equity | $7,920,000 | 5,449 |
| Average total loans | $31,276,330 | 5,789 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 5,262 |
| Cost of funding earning assets | 0.4597% | 4,488 |
| Net interest margin | 3.2071% | 4,909 |
| Noninterest income to average assets | 0.4936% | 3,814 |
| Noninterest expense to average assets | 2.5302% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0079% | 2,189 |
| Return on assets (ROA) | 1.5794% | 794 |
| Pretax return on assets | 1.5794% | 1,352 |
| Return on Equity (ROE) | 14.5935% | 846 |
| Retained earnings to average equity (ytd only) | 14.5935% | 387 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5125% | 3,707 |
| Assets per employee ($millions) | 2.8747% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7883% | 831 |
| Loan loss allowance to noncurrent loans | 1,986.3636% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 6,435 |
| Noncurrent loans to loans | 0.1404% | 6,046 |
| Net loans and leases to total assets | 39.2587% | 6,057 |
| Net loans and leases to deposits | 45.8693% | 6,064 |
| Net loans and leases to core deposits | 50.7064% | 5,918 |
| Total domestic deposits to total assets | 85.5880% | 3,748 |
| Equity capital to assets | 10.8753% | 3,105 |
| Core capital (leverage) ratio | 11.2183% | 2,083 |
| Tier 1 risk-based capital ratio | 21.3248% | 1,467 |
| Total risk-based capital ratio | 22.5861% | 1,438 |
| Memoranda: | ||
| Average total assets | $76,989,000 | 5,438 |
| Average earning assets | $73,087,000 | 5,349 |
| Average equity | $8,332,500 | 5,405 |
| Average total loans | $31,391,000 | 5,829 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 4,212 |
| Cost of funding earning assets | 0.5416% | 4,889 |
| Net interest margin | 3.7524% | 3,425 |
| Noninterest income to average assets | 0.3468% | 4,986 |
| Noninterest expense to average assets | 3.1006% | 2,919 |
| Loan and lease loss provision to assets | 0.0743% | 4,793 |
| Net operating income to assets | 0.7041% | 3,715 |
| Return on assets (ROA) | 1.1148% | 2,063 |
| Pretax return on assets | 1.1148% | 3,107 |
| Return on Equity (ROE) | 10.0075% | 2,164 |
| Retained earnings to average equity (ytd only) | 2.1068% | 4,742 |
| Net charge-offs to loans | 0.1647% | 4,059 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 10.4737% | 2,135 |
| Efficiency ratio | 79.9328% | 2,158 |
| Assets per employee ($millions) | 3.0545% | 5,931 |
| Cash dividends to net income (ytd only)* | 78.9474% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7802% | 838 |
| Loan loss allowance to noncurrent loans | 1,135.0649% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 6,335 |
| Noncurrent loans to loans | 0.2449% | 5,865 |
| Net loans and leases to total assets | 40.0238% | 6,165 |
| Net loans and leases to deposits | 46.8205% | 6,188 |
| Net loans and leases to core deposits | 51.8500% | 6,025 |
| Total domestic deposits to total assets | 85.4836% | 3,619 |
| Equity capital to assets | 10.7698% | 3,206 |
| Core capital (leverage) ratio | 10.9416% | 2,306 |
| Tier 1 risk-based capital ratio | 20.1744% | 1,635 |
| Total risk-based capital ratio | 21.4341% | 1,606 |
| Memoranda: | ||
| Average total assets | $76,694,400 | 5,442 |
| Average earning assets | $72,193,000 | 5,360 |
| Average equity | $8,543,600 | 5,353 |
| Average total loans | $34,604,800 | 5,733 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 4,067 |
| Cost of funding earning assets | 0.5578% | 5,017 |
| Net interest margin | 3.8378% | 3,174 |
| Noninterest income to average assets | 0.4602% | 4,209 |
| Noninterest expense to average assets | 2.9331% | 3,469 |
| Loan and lease loss provision to assets | 0.1528% | 3,620 |
| Net operating income to assets | 0.9707% | 2,654 |
| Return on assets (ROA) | 1.5004% | 1,132 |
| Pretax return on assets | 1.5004% | 1,874 |
| Return on Equity (ROE) | 13.3585% | 1,254 |
| Retained earnings to average equity (ytd only) | 7.0967% | 2,067 |
| Net charge-offs to loans | 0.2185% | 3,417 |
| Credit loss provision to net charge-offs | 151.7241% | 1,856 |
| Earnings coverage of net charge-offs (x) | 11.1554% | 2,101 |
| Efficiency ratio | 72.3031% | 3,267 |
| Assets per employee ($millions) | 2.8141% | 6,341 |
| Cash dividends to net income (ytd only)* | 46.8754% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7982% | 888 |
| Loan loss allowance to noncurrent loans | 30,133.3333% | 11 |
| Noncurrent assets plus other real estate owned to assets | 1.0568% | 4,180 |
| Noncurrent loans to loans | 0.0093% | 6,646 |
| Net loans and leases to total assets | 41.3282% | 6,175 |
| Net loans and leases to deposits | 48.9151% | 6,196 |
| Net loans and leases to core deposits | 54.2658% | 6,031 |
| Total domestic deposits to total assets | 84.4897% | 3,983 |
| Equity capital to assets | 11.6725% | 2,564 |
| Core capital (leverage) ratio | 11.2261% | 2,193 |
| Tier 1 risk-based capital ratio | 19.9511% | 1,773 |
| Total risk-based capital ratio | 21.2119% | 1,746 |
| Memoranda: | ||
| Average total assets | $76,777,500 | 5,495 |
| Average earning assets | $71,949,500 | 5,431 |
| Average equity | $8,623,500 | 5,373 |
| Average total loans | $35,396,750 | 5,776 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 4,783 |
| Cost of funding earning assets | 0.5766% | 5,104 |
| Net interest margin | 3.6677% | 3,965 |
| Noninterest income to average assets | 0.4569% | 4,241 |
| Noninterest expense to average assets | 3.1229% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7684% | 3,519 |
| Return on assets (ROA) | 1.4122% | 1,304 |
| Pretax return on assets | 1.4122% | 2,160 |
| Return on Equity (ROE) | 12.7376% | 1,430 |
| Retained earnings to average equity (ytd only) | 6.4156% | 2,432 |
| Net charge-offs to loans | -0.1263% | 6,906 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2535% | 2,130 |
| Assets per employee ($millions) | 2.8447% | 6,332 |
| Cash dividends to net income (ytd only)* | 49.6324% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6694% | 1,075 |
| Loan loss allowance to noncurrent loans | 80.4484% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.4932% | 2,241 |
| Noncurrent loans to loans | 3.3182% | 1,757 |
| Net loans and leases to total assets | 42.5815% | 6,144 |
| Net loans and leases to deposits | 50.1334% | 6,171 |
| Net loans and leases to core deposits | 55.7571% | 5,965 |
| Total domestic deposits to total assets | 84.9365% | 3,888 |
| Equity capital to assets | 11.2150% | 2,875 |
| Core capital (leverage) ratio | 10.7736% | 2,512 |
| Tier 1 risk-based capital ratio | 19.1590% | 1,922 |
| Total risk-based capital ratio | 20.4189% | 1,901 |
| Memoranda: | ||
| Average total assets | $77,042,670 | 5,520 |
| Average earning assets | $72,142,670 | 5,454 |
| Average equity | $8,541,670 | 5,403 |
| Average total loans | $36,427,000 | 5,767 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 4,906 |
| Cost of funding earning assets | 0.5992% | 5,139 |
| Net interest margin | 3.6563% | 4,028 |
| Noninterest income to average assets | 0.4717% | 4,133 |
| Noninterest expense to average assets | 3.4163% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4717% | 4,952 |
| Return on assets (ROA) | 1.6226% | 925 |
| Pretax return on assets | 1.6226% | 1,494 |
| Return on Equity (ROE) | 14.7199% | 1,031 |
| Retained earnings to average equity (ytd only) | 14.7199% | 479 |
| Net charge-offs to loans | -0.3911% | 7,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8667% | 1,296 |
| Assets per employee ($millions) | 2.8301% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4422% | 1,439 |
| Loan loss allowance to noncurrent loans | 81.4120% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.4217% | 2,442 |
| Noncurrent loans to loans | 2.9998% | 2,153 |
| Net loans and leases to total assets | 45.9233% | 5,789 |
| Net loans and leases to deposits | 53.9094% | 5,817 |
| Net loans and leases to core deposits | 60.8189% | 5,453 |
| Total domestic deposits to total assets | 85.1861% | 3,944 |
| Equity capital to assets | 11.0407% | 2,853 |
| Core capital (leverage) ratio | 11.0603% | 2,215 |
| Tier 1 risk-based capital ratio | 18.8290% | 2,041 |
| Total risk-based capital ratio | 20.0881% | 2,003 |
| Memoranda: | ||
| Average total assets | $77,160,000 | 5,555 |
| Average earning assets | $72,095,500 | 5,494 |
| Average equity | $8,505,500 | 5,429 |
| Average total loans | $37,839,000 | 5,740 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 5,151 |
| Cost of funding earning assets | 0.6602% | 5,768 |
| Net interest margin | 3.8212% | 3,720 |
| Noninterest income to average assets | 0.2983% | 5,392 |
| Noninterest expense to average assets | 2.9907% | 3,625 |
| Loan and lease loss provision to assets | 0.5571% | 1,873 |
| Net operating income to assets | 0.3022% | 5,241 |
| Return on assets (ROA) | 0.5637% | 4,361 |
| Pretax return on assets | 0.5637% | 4,801 |
| Return on Equity (ROE) | 5.1597% | 4,315 |
| Retained earnings to average equity (ytd only) | 1.9123% | 4,844 |
| Net charge-offs to loans | 1.0720% | 1,610 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 1.5425% | 4,615 |
| Efficiency ratio | 77.6792% | 2,636 |
| Assets per employee ($millions) | 2.6813% | 6,633 |
| Cash dividends to net income (ytd only)* | 62.9371% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2775% | 1,663 |
| Loan loss allowance to noncurrent loans | 126.8505% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 2.2830% | 2,644 |
| Noncurrent loans to loans | 1.7954% | 3,476 |
| Net loans and leases to total assets | 49.9514% | 5,588 |
| Net loans and leases to deposits | 59.5383% | 5,541 |
| Net loans and leases to core deposits | 65.4759% | 5,324 |
| Total domestic deposits to total assets | 83.8979% | 4,357 |
| Equity capital to assets | 11.0047% | 2,975 |
| Core capital (leverage) ratio | 10.9149% | 2,336 |
| Tier 1 risk-based capital ratio | 17.9379% | 2,210 |
| Total risk-based capital ratio | 19.1956% | 2,183 |
| Memoranda: | ||
| Average total assets | $76,102,800 | 5,561 |
| Average earning assets | $70,736,800 | 5,511 |
| Average equity | $8,314,400 | 5,474 |
| Average total loans | $39,551,400 | 5,713 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 5,374 |
| Cost of funding earning assets | 0.6743% | 5,910 |
| Net interest margin | 3.7887% | 3,934 |
| Noninterest income to average assets | 0.5081% | 3,807 |
| Noninterest expense to average assets | 2.8671% | 4,071 |
| Loan and lease loss provision to assets | 0.5221% | 1,896 |
| Net operating income to assets | 0.6408% | 3,916 |
| Return on assets (ROA) | 0.9534% | 2,681 |
| Pretax return on assets | 0.9534% | 3,578 |
| Return on Equity (ROE) | 8.7419% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.7419% | 1,237 |
| Net charge-offs to loans | 1.4288% | 1,036 |
| Credit loss provision to net charge-offs | 70.0234% | 4,484 |
| Earnings coverage of net charge-offs (x) | 1.5597% | 4,467 |
| Efficiency ratio | 71.1438% | 3,708 |
| Assets per employee ($millions) | 2.7085% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 2,441 |
| Loan loss allowance to noncurrent loans | 108.5881% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 2.4223% | 2,661 |
| Noncurrent loans to loans | 1.8058% | 3,634 |
| Net loans and leases to total assets | 49.1831% | 5,810 |
| Net loans and leases to deposits | 58.8433% | 5,762 |
| Net loans and leases to core deposits | 65.2343% | 5,498 |
| Total domestic deposits to total assets | 83.5832% | 4,441 |
| Equity capital to assets | 11.7251% | 2,472 |
| Core capital (leverage) ratio | 11.3261% | 2,141 |
| Tier 1 risk-based capital ratio | 18.8081% | 1,988 |
| Total risk-based capital ratio | 20.0630% | 1,953 |
| Memoranda: | ||
| Average total assets | $76,359,250 | 5,599 |
| Average earning assets | $70,981,250 | 5,550 |
| Average equity | $8,327,500 | 5,504 |
| Average total loans | $39,845,250 | 5,753 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 5,632 |
| Cost of funding earning assets | 0.6972% | 5,978 |
| Net interest margin | 3.7194% | 4,175 |
| Noninterest income to average assets | 0.5070% | 3,807 |
| Noninterest expense to average assets | 2.8249% | 4,326 |
| Loan and lease loss provision to assets | 0.4521% | 2,157 |
| Net operating income to assets | 0.6873% | 3,616 |
| Return on assets (ROA) | 0.8571% | 2,922 |
| Pretax return on assets | 0.8571% | 3,803 |
| Return on Equity (ROE) | 8.0596% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.0596% | 1,443 |
| Net charge-offs to loans | 2.1263% | 610 |
| Credit loss provision to net charge-offs | 40.2326% | 4,812 |
| Earnings coverage of net charge-offs (x) | 1.0140% | 4,533 |
| Efficiency ratio | 71.2591% | 3,888 |
| Assets per employee ($millions) | 2.7456% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 3,777 |
| Loan loss allowance to noncurrent loans | 61,700.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 3,957 |
| Noncurrent loans to loans | 0.0026% | 7,016 |
| Net loans and leases to total assets | 49.9753% | 5,825 |
| Net loans and leases to deposits | 58.8939% | 5,832 |
| Net loans and leases to core deposits | 64.5497% | 5,664 |
| Total domestic deposits to total assets | 84.8565% | 3,940 |
| Equity capital to assets | 11.0617% | 2,895 |
| Core capital (leverage) ratio | 10.9876% | 2,260 |
| Tier 1 risk-based capital ratio | 18.3203% | 2,069 |
| Total risk-based capital ratio | 19.5722% | 2,022 |
| Memoranda: | ||
| Average total assets | $76,533,330 | 5,638 |
| Average earning assets | $71,140,330 | 5,592 |
| Average equity | $8,139,330 | 5,565 |
| Average total loans | $40,445,330 | 5,780 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 5,876 |
| Cost of funding earning assets | 0.7268% | 5,991 |
| Net interest margin | 3.6173% | 4,498 |
| Noninterest income to average assets | 0.4872% | 3,991 |
| Noninterest expense to average assets | 2.9544% | 3,842 |
| Loan and lease loss provision to assets | 0.2619% | 3,042 |
| Net operating income to assets | 0.6338% | 3,841 |
| Return on assets (ROA) | 0.6181% | 4,011 |
| Pretax return on assets | 0.6181% | 4,618 |
| Return on Equity (ROE) | 5.9319% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.9319% | 2,679 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7347% | 3,024 |
| Assets per employee ($millions) | 2.7560% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2740% | 1,807 |
| Loan loss allowance to noncurrent loans | 174.3396% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 2.5749% | 2,656 |
| Noncurrent loans to loans | 1.3044% | 4,518 |
| Net loans and leases to total assets | 51.4585% | 5,654 |
| Net loans and leases to deposits | 60.2930% | 5,695 |
| Net loans and leases to core deposits | 66.1541% | 5,493 |
| Total domestic deposits to total assets | 85.3474% | 3,865 |
| Equity capital to assets | 10.5019% | 3,174 |
| Core capital (leverage) ratio | 10.7821% | 2,369 |
| Tier 1 risk-based capital ratio | 17.7178% | 2,212 |
| Total risk-based capital ratio | 18.9770% | 2,175 |
| Memoranda: | ||
| Average total assets | $76,361,000 | 5,691 |
| Average earning assets | $70,991,500 | 5,632 |
| Average equity | $7,957,000 | 5,620 |
| Average total loans | $41,149,500 | 5,801 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 5,837 |
| Cost of funding earning assets | 0.9759% | 5,807 |
| Net interest margin | 3.7136% | 4,292 |
| Noninterest income to average assets | 0.5634% | 3,715 |
| Noninterest expense to average assets | 3.5745% | 1,990 |
| Loan and lease loss provision to assets | 0.0396% | 6,760 |
| Net operating income to assets | 0.3960% | 4,554 |
| Return on assets (ROA) | 0.7550% | 3,103 |
| Pretax return on assets | 0.7550% | 3,781 |
| Return on Equity (ROE) | 7.1828% | 3,035 |
| Retained earnings to average equity (ytd only) | 0.6198% | 5,267 |
| Net charge-offs to loans | 0.0745% | 6,057 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,648 |
| Efficiency ratio | 89.1367% | 1,388 |
| Assets per employee ($millions) | 2.6984% | 6,689 |
| Cash dividends to net income (ytd only)* | 91.3706% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0976% | 2,080 |
| Loan loss allowance to noncurrent loans | 172.3866% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 2.1269% | 3,181 |
| Noncurrent loans to loans | 1.2168% | 4,694 |
| Net loans and leases to total assets | 53.9898% | 5,634 |
| Net loans and leases to deposits | 63.5587% | 5,672 |
| Net loans and leases to core deposits | 69.0851% | 5,541 |
| Total domestic deposits to total assets | 84.9447% | 3,883 |
| Equity capital to assets | 10.3368% | 3,341 |
| Core capital (leverage) ratio | 10.4357% | 2,625 |
| Tier 1 risk-based capital ratio | 17.7475% | 2,078 |
| Total risk-based capital ratio | 19.0062% | 2,041 |
| Memoranda: | ||
| Average total assets | $78,276,400 | 5,637 |
| Average earning assets | $72,651,400 | 5,577 |
| Average equity | $8,228,000 | 5,650 |
| Average total loans | $41,625,000 | 5,855 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 5,930 |
| Cost of funding earning assets | 1.0182% | 5,851 |
| Net interest margin | 3.7069% | 4,371 |
| Noninterest income to average assets | 0.5573% | 3,725 |
| Noninterest expense to average assets | 3.1088% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8849% | 2,672 |
| Return on assets (ROA) | 1.1111% | 1,962 |
| Pretax return on assets | 1.1111% | 2,790 |
| Return on Equity (ROE) | 10.5288% | 1,924 |
| Retained earnings to average equity (ytd only) | 4.0482% | 3,626 |
| Net charge-offs to loans | 0.1057% | 5,486 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 15.8784% | 1,415 |
| Efficiency ratio | 77.8436% | 2,643 |
| Assets per employee ($millions) | 2.7324% | 6,718 |
| Cash dividends to net income (ytd only)* | 61.5506% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 2,332 |
| Loan loss allowance to noncurrent loans | 194.2263% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 2.3435% | 3,033 |
| Noncurrent loans to loans | 1.0084% | 5,220 |
| Net loans and leases to total assets | 55.0256% | 5,695 |
| Net loans and leases to deposits | 65.1849% | 5,758 |
| Net loans and leases to core deposits | 70.8094% | 5,668 |
| Total domestic deposits to total assets | 84.4147% | 3,916 |
| Equity capital to assets | 11.2067% | 2,770 |
| Core capital (leverage) ratio | 10.7119% | 2,503 |
| Tier 1 risk-based capital ratio | 17.6675% | 2,122 |
| Total risk-based capital ratio | 18.9240% | 2,086 |
| Memoranda: | ||
| Average total assets | $78,956,750 | 5,691 |
| Average earning assets | $73,196,000 | 5,630 |
| Average equity | $8,332,500 | 5,682 |
| Average total loans | $41,614,750 | 5,936 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 6,155 |
| Cost of funding earning assets | 1.0612% | 5,866 |
| Net interest margin | 3.6356% | 4,660 |
| Noninterest income to average assets | 0.5516% | 3,700 |
| Noninterest expense to average assets | 3.0336% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8850% | 2,603 |
| Return on assets (ROA) | 1.1182% | 1,857 |
| Pretax return on assets | 1.1182% | 2,721 |
| Return on Equity (ROE) | 10.8095% | 1,812 |
| Retained earnings to average equity (ytd only) | 4.2656% | 3,362 |
| Net charge-offs to loans | -0.0534% | 7,459 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4152% | 2,828 |
| Assets per employee ($millions) | 2.8979% | 6,363 |
| Cash dividends to net income (ytd only)* | 60.5381% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 1,890 |
| Loan loss allowance to noncurrent loans | 206.2937% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 2.4143% | 2,975 |
| Noncurrent loans to loans | 1.0358% | 5,236 |
| Net loans and leases to total assets | 51.8040% | 6,235 |
| Net loans and leases to deposits | 61.0382% | 6,302 |
| Net loans and leases to core deposits | 65.0380% | 6,308 |
| Total domestic deposits to total assets | 84.8715% | 3,699 |
| Equity capital to assets | 10.8176% | 3,062 |
| Core capital (leverage) ratio | 10.2795% | 2,854 |
| Tier 1 risk-based capital ratio | 17.3567% | 2,151 |
| Total risk-based capital ratio | 18.6134% | 2,108 |
| Memoranda: | ||
| Average total assets | $79,773,000 | 5,707 |
| Average earning assets | $73,881,330 | 5,645 |
| Average equity | $8,252,000 | 5,710 |
| Average total loans | $41,173,000 | 6,003 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7233% | 6,162 |
| Cost of funding earning assets | 1.0855% | 5,973 |
| Net interest margin | 3.6379% | 4,548 |
| Noninterest income to average assets | 0.5314% | 3,802 |
| Noninterest expense to average assets | 2.8161% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0778% | 1,903 |
| Return on assets (ROA) | 1.3608% | 1,230 |
| Pretax return on assets | 1.3608% | 1,878 |
| Return on Equity (ROE) | 13.4545% | 1,162 |
| Retained earnings to average equity (ytd only) | 13.4545% | 565 |
| Net charge-offs to loans | -0.0195% | 7,071 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3214% | 3,873 |
| Assets per employee ($millions) | 2.8924% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1279% | 1,893 |
| Loan loss allowance to noncurrent loans | 194.2350% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 2.4831% | 2,920 |
| Noncurrent loans to loans | 1.0955% | 5,170 |
| Net loans and leases to total assets | 49.7506% | 6,488 |
| Net loans and leases to deposits | 58.1423% | 6,613 |
| Net loans and leases to core deposits | 64.1919% | 6,439 |
| Total domestic deposits to total assets | 85.5670% | 3,379 |
| Equity capital to assets | 10.2460% | 3,539 |
| Core capital (leverage) ratio | 10.4564% | 2,661 |
| Tier 1 risk-based capital ratio | 17.2955% | 2,154 |
| Total risk-based capital ratio | 18.5517% | 2,109 |
| Memoranda: | ||
| Average total assets | $80,538,000 | 5,752 |
| Average earning assets | $74,439,000 | 5,691 |
| Average equity | $8,146,000 | 5,793 |
| Average total loans | $41,050,500 | 6,071 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 5,683 |
| Cost of funding earning assets | 1.4691% | 5,639 |
| Net interest margin | 3.7229% | 4,032 |
| Noninterest income to average assets | 0.5908% | 3,696 |
| Noninterest expense to average assets | 3.2480% | 3,198 |
| Loan and lease loss provision to assets | 0.9282% | 2,422 |
| Net operating income to assets | -0.0815% | 5,643 |
| Return on assets (ROA) | 0.3030% | 4,601 |
| Pretax return on assets | 0.3030% | 4,749 |
| Return on Equity (ROE) | 2.9573% | 4,519 |
| Retained earnings to average equity (ytd only) | 2.9573% | 3,100 |
| Net charge-offs to loans | 1.6383% | 1,546 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 0.9122% | 5,199 |
| Efficiency ratio | 79.3221% | 2,984 |
| Assets per employee ($millions) | 2.9662% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1352% | 1,762 |
| Loan loss allowance to noncurrent loans | 234.3164% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 2.4136% | 2,881 |
| Noncurrent loans to loans | 0.9112% | 5,486 |
| Net loans and leases to total assets | 50.0187% | 6,637 |
| Net loans and leases to deposits | 58.3653% | 6,759 |
| Net loans and leases to core deposits | 69.1925% | 6,820 |
| Total domestic deposits to total assets | 85.6995% | 3,165 |
| Equity capital to assets | 9.9815% | 3,785 |
| Core capital (leverage) ratio | 10.0786% | 3,013 |
| Tier 1 risk-based capital ratio | 16.7444% | 2,222 |
| Total risk-based capital ratio | 18.0022% | 2,189 |
| Memoranda: | ||
| Average total assets | $78,541,600 | 5,770 |
| Average earning assets | $73,921,000 | 5,683 |
| Average equity | $8,047,800 | 5,906 |
| Average total loans | $44,496,800 | 5,907 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 5,913 |
| Cost of funding earning assets | 1.5381% | 5,676 |
| Net interest margin | 3.6533% | 4,261 |
| Noninterest income to average assets | 0.5783% | 3,865 |
| Noninterest expense to average assets | 2.7671% | 5,028 |
| Loan and lease loss provision to assets | 0.9826% | 1,950 |
| Net operating income to assets | 0.2849% | 4,841 |
| Return on assets (ROA) | 0.7472% | 3,094 |
| Pretax return on assets | 0.7472% | 3,707 |
| Return on Equity (ROE) | 7.2444% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.2444% | 1,418 |
| Net charge-offs to loans | 2.1944% | 880 |
| Credit loss provision to net charge-offs | 77.1084% | 5,830 |
| Earnings coverage of net charge-offs (x) | 0.9946% | 5,059 |
| Efficiency ratio | 68.5835% | 4,865 |
| Assets per employee ($millions) | 2.8827% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 2,962 |
| Loan loss allowance to noncurrent loans | 38.2065% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 2.3640% | 2,912 |
| Noncurrent loans to loans | 4.2048% | 1,718 |
| Net loans and leases to total assets | 55.3190% | 6,228 |
| Net loans and leases to deposits | 65.3022% | 6,370 |
| Net loans and leases to core deposits | 78.1278% | 6,478 |
| Total domestic deposits to total assets | 84.7123% | 3,366 |
| Equity capital to assets | 10.7742% | 3,227 |
| Core capital (leverage) ratio | 10.5329% | 2,763 |
| Tier 1 risk-based capital ratio | 17.2014% | 2,213 |
| Total risk-based capital ratio | 18.4540% | 2,160 |
| Memoranda: | ||
| Average total assets | $78,155,000 | 5,824 |
| Average earning assets | $73,940,250 | 5,722 |
| Average equity | $8,061,250 | 5,962 |
| Average total loans | $45,387,750 | 5,909 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 5,874 |
| Cost of funding earning assets | 1.6255% | 5,637 |
| Net interest margin | 3.6234% | 4,269 |
| Noninterest income to average assets | 0.5545% | 3,997 |
| Noninterest expense to average assets | 2.8673% | 4,651 |
| Loan and lease loss provision to assets | 1.2369% | 1,388 |
| Net operating income to assets | -0.1431% | 6,092 |
| Return on assets (ROA) | 0.3143% | 4,943 |
| Pretax return on assets | 0.3143% | 5,182 |
| Return on Equity (ROE) | 3.0932% | 4,865 |
| Retained earnings to average equity (ytd only) | 3.0932% | 3,598 |
| Net charge-offs to loans | 2.0901% | 882 |
| Credit loss provision to net charge-offs | 100.8333% | 4,530 |
| Earnings coverage of net charge-offs (x) | 0.8917% | 4,866 |
| Efficiency ratio | 72.3871% | 4,331 |
| Assets per employee ($millions) | 2.7677% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 1,734 |
| Loan loss allowance to noncurrent loans | 41.3371% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 2.7408% | 2,343 |
| Noncurrent loans to loans | 4.6519% | 1,370 |
| Net loans and leases to total assets | 57.7849% | 5,995 |
| Net loans and leases to deposits | 67.3196% | 6,266 |
| Net loans and leases to core deposits | 80.2599% | 6,388 |
| Total domestic deposits to total assets | 85.8367% | 2,869 |
| Equity capital to assets | 10.3257% | 3,594 |
| Core capital (leverage) ratio | 10.2273% | 3,063 |
| Tier 1 risk-based capital ratio | 16.0933% | 2,592 |
| Total risk-based capital ratio | 17.3503% | 2,538 |
| Memoranda: | ||
| Average total assets | $78,262,000 | 5,853 |
| Average earning assets | $73,577,670 | 5,765 |
| Average equity | $7,953,000 | 6,036 |
| Average total loans | $45,930,330 | 5,935 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 5,065 |
| Cost of funding earning assets | 1.7237% | 5,505 |
| Net interest margin | 3.7464% | 3,673 |
| Noninterest income to average assets | 0.5188% | 4,145 |
| Noninterest expense to average assets | 2.7974% | 4,569 |
| Loan and lease loss provision to assets | 1.7954% | 687 |
| Net operating income to assets | -0.5696% | 6,942 |
| Return on assets (ROA) | 0.0153% | 6,373 |
| Pretax return on assets | 0.0153% | 6,348 |
| Return on Equity (ROE) | 0.1514% | 6,376 |
| Retained earnings to average equity (ytd only) | 0.1514% | 5,599 |
| Net charge-offs to loans | 4.2808% | 274 |
| Credit loss provision to net charge-offs | 71.6024% | 4,325 |
| Earnings coverage of net charge-offs (x) | 0.4888% | 4,595 |
| Efficiency ratio | 69.5322% | 4,674 |
| Assets per employee ($millions) | 2.5717% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 2,400 |
| Loan loss allowance to noncurrent loans | 27.8241% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 3.4193% | 1,583 |
| Noncurrent loans to loans | 5.8599% | 831 |
| Net loans and leases to total assets | 57.3991% | 6,039 |
| Net loans and leases to deposits | 66.8095% | 6,298 |
| Net loans and leases to core deposits | 79.0235% | 6,459 |
| Total domestic deposits to total assets | 85.9146% | 2,770 |
| Equity capital to assets | 10.2280% | 3,734 |
| Core capital (leverage) ratio | 10.0289% | 3,379 |
| Tier 1 risk-based capital ratio | 15.6901% | 2,789 |
| Total risk-based capital ratio | 16.9424% | 2,721 |
| Memoranda: | ||
| Average total assets | $78,645,000 | 5,867 |
| Average earning assets | $73,564,500 | 5,792 |
| Average equity | $7,928,500 | 6,083 |
| Average total loans | $46,066,000 | 5,960 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1517% | 4,769 |
| Cost of funding earning assets | 2.1534% | 5,814 |
| Net interest margin | 3.9984% | 3,117 |
| Noninterest income to average assets | 0.4418% | 5,098 |
| Noninterest expense to average assets | 2.7674% | 4,971 |
| Loan and lease loss provision to assets | 0.8760% | 1,701 |
| Net operating income to assets | 0.5736% | 4,422 |
| Return on assets (ROA) | 0.7317% | 3,585 |
| Pretax return on assets | 0.7317% | 4,295 |
| Return on Equity (ROE) | 7.4476% | 3,301 |
| Retained earnings to average equity (ytd only) | 0.5493% | 4,907 |
| Net charge-offs to loans | 1.4759% | 784 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 1.6547% | 5,258 |
| Efficiency ratio | 65.6250% | 5,206 |
| Assets per employee ($millions) | 2.6713% | 6,846 |
| Cash dividends to net income (ytd only)* | 92.6244% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 1,520 |
| Loan loss allowance to noncurrent loans | 27.8344% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 3.9182% | 1,067 |
| Noncurrent loans to loans | 6.6647% | 475 |
| Net loans and leases to total assets | 57.6997% | 6,247 |
| Net loans and leases to deposits | 68.6176% | 6,405 |
| Net loans and leases to core deposits | 81.3655% | 6,508 |
| Total domestic deposits to total assets | 84.0889% | 3,284 |
| Equity capital to assets | 9.9402% | 4,110 |
| Core capital (leverage) ratio | 9.8826% | 3,564 |
| Tier 1 risk-based capital ratio | 15.1278% | 2,985 |
| Total risk-based capital ratio | 16.3838% | 2,910 |
| Memoranda: | ||
| Average total assets | $79,679,000 | 5,714 |
| Average earning assets | $75,230,800 | 5,621 |
| Average equity | $7,828,000 | 6,163 |
| Average total loans | $47,293,400 | 5,810 |