Home > Simmesport State Bank > Performance and Condition Ratios
Simmesport State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2715% | 452 |
| Cost of funding earning assets | 2.0886% | 796 |
| Net interest margin | 4.1829% | 959 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.3473% | 2,726 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 1.6435% | 806 |
| Return on assets (ROA) | 1.6427% | 776 |
| Pretax return on assets | 2.0808% | 593 |
| Return on Equity (ROE) | 17.4200% | 900 |
| Retained earnings to average equity (ytd only) | 14.8477% | 331 |
| Net charge-offs to loans | 0.2288% | 475 |
| Credit loss provision to net charge-offs | 179.3282% | 1,319 |
| Earnings coverage of net charge-offs (x) | 12.7339% | 2,132 |
| Efficiency ratio | 49.2063% | 4,027 |
| Assets per employee ($millions) | 8.0027% | 1,436 |
| Cash dividends to net income (ytd only)* | 14.7561% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,144 |
| Loan loss allowance to noncurrent loans | 45.9314% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.3055% | 104 |
| Noncurrent loans to loans | 2.6668% | 171 |
| Net loans and leases to total assets | 82.4700% | 393 |
| Net loans and leases to deposits | 101.0238% | 478 |
| Net loans and leases to core deposits | 118.1896% | 685 |
| Total domestic deposits to total assets | 81.6400% | 3,195 |
| Equity capital to assets | 9.8269% | 2,109 |
| Core capital (leverage) ratio | 9.9407% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8660% | 1,572 |
| Memoranda: | ||
| Average total assets | $203,383,600 | 2,971 |
| Average earning assets | $190,321,000 | 2,944 |
| Average equity | $19,181,400 | 2,927 |
| Average total loans | $169,160,400 | 2,530 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0967% | 472 |
| Cost of funding earning assets | 1.9627% | 755 |
| Net interest margin | 4.1339% | 1,011 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.0269% | 3,526 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.8053% | 665 |
| Return on assets (ROA) | 1.8053% | 654 |
| Pretax return on assets | 2.3038% | 481 |
| Return on Equity (ROE) | 19.3500% | 790 |
| Retained earnings to average equity (ytd only) | 19.3510% | 284 |
| Net charge-offs to loans | 0.2325% | 382 |
| Credit loss provision to net charge-offs | 136.5188% | 1,376 |
| Earnings coverage of net charge-offs (x) | 13.2901% | 2,041 |
| Efficiency ratio | 44.1160% | 4,219 |
| Assets per employee ($millions) | 6.7924% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 2,791 |
| Loan loss allowance to noncurrent loans | 46.9686% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.0284% | 134 |
| Noncurrent loans to loans | 2.3721% | 211 |
| Net loans and leases to total assets | 81.3100% | 495 |
| Net loans and leases to deposits | 98.6682% | 574 |
| Net loans and leases to core deposits | 113.5143% | 752 |
| Total domestic deposits to total assets | 82.4100% | 3,140 |
| Equity capital to assets | 9.6260% | 2,027 |
| Core capital (leverage) ratio | 9.8240% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8616% | 1,359 |
| Memoranda: | ||
| Average total assets | $202,211,750 | 2,980 |
| Average earning assets | $189,323,250 | 2,954 |
| Average equity | $18,865,000 | 2,947 |
| Average total loans | $168,017,750 | 2,545 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9562% | 466 |
| Cost of funding earning assets | 1.8069% | 731 |
| Net interest margin | 4.1494% | 1,004 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.0148% | 3,557 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.6676% | 837 |
| Return on assets (ROA) | 1.6668% | 843 |
| Pretax return on assets | 2.0529% | 687 |
| Return on Equity (ROE) | 18.0700% | 946 |
| Retained earnings to average equity (ytd only) | 18.0682% | 337 |
| Net charge-offs to loans | 0.2225% | 365 |
| Credit loss provision to net charge-offs | 131.3514% | 1,281 |
| Earnings coverage of net charge-offs (x) | 12.3838% | 1,939 |
| Efficiency ratio | 46.7209% | 4,129 |
| Assets per employee ($millions) | 6.9461% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 2,994 |
| Loan loss allowance to noncurrent loans | 48.6410% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.9459% | 144 |
| Noncurrent loans to loans | 2.2434% | 223 |
| Net loans and leases to total assets | 81.7300% | 454 |
| Net loans and leases to deposits | 100.2348% | 505 |
| Net loans and leases to core deposits | 118.0179% | 567 |
| Total domestic deposits to total assets | 81.5400% | 3,325 |
| Equity capital to assets | 9.2143% | 2,366 |
| Core capital (leverage) ratio | 9.6113% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1919% | 1,509 |
| Memoranda: | ||
| Average total assets | $199,427,333 | 3,006 |
| Average earning assets | $187,065,333 | 2,984 |
| Average equity | $18,397,000 | 2,993 |
| Average total loans | $166,311,333 | 2,552 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8444% | 392 |
| Cost of funding earning assets | 1.5656% | 742 |
| Net interest margin | 4.2787% | 841 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.9841% | 3,662 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 1.7440% | 756 |
| Return on assets (ROA) | 1.7440% | 747 |
| Pretax return on assets | 2.1339% | 628 |
| Return on Equity (ROE) | 18.8900% | 900 |
| Retained earnings to average equity (ytd only) | 18.8941% | 448 |
| Net charge-offs to loans | 0.1126% | 557 |
| Credit loss provision to net charge-offs | 354.3478% | 639 |
| Earnings coverage of net charge-offs (x) | 26.1522% | 1,353 |
| Efficiency ratio | 44.5622% | 4,282 |
| Assets per employee ($millions) | 6.6620% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,801 |
| Loan loss allowance to noncurrent loans | 51.6662% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.9464% | 129 |
| Noncurrent loans to loans | 2.2336% | 231 |
| Net loans and leases to total assets | 83.0600% | 292 |
| Net loans and leases to deposits | 99.2402% | 475 |
| Net loans and leases to core deposits | 118.5850% | 478 |
| Total domestic deposits to total assets | 83.6900% | 3,160 |
| Equity capital to assets | 9.2054% | 2,367 |
| Core capital (leverage) ratio | 9.5144% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9952% | 1,629 |
| Memoranda: | ||
| Average total assets | $194,949,500 | 3,070 |
| Average earning assets | $182,672,000 | 3,046 |
| Average equity | $17,995,000 | 3,048 |
| Average total loans | $163,370,500 | 2,600 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7818% | 111 |
| Cost of funding earning assets | 1.0154% | 149 |
| Net interest margin | 4.7664% | 185 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.5845% | 1,870 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 1.5056% | 870 |
| Return on assets (ROA) | 1.5056% | 837 |
| Pretax return on assets | 1.9168% | 560 |
| Return on Equity (ROE) | 15.4200% | 1,159 |
| Retained earnings to average equity (ytd only) | 12.5115% | 586 |
| Net charge-offs to loans | 0.1678% | 499 |
| Credit loss provision to net charge-offs | 240.3361% | 1,016 |
| Earnings coverage of net charge-offs (x) | 16.3697% | 1,980 |
| Efficiency ratio | 53.4973% | 3,834 |
| Assets per employee ($millions) | 6.3346% | 2,480 |
| Cash dividends to net income (ytd only)* | 18.8817% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 3,245 |
| Loan loss allowance to noncurrent loans | 53.5620% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.6686% | 173 |
| Noncurrent loans to loans | 1.9093% | 300 |
| Net loans and leases to total assets | 82.7100% | 353 |
| Net loans and leases to deposits | 98.3611% | 503 |
| Net loans and leases to core deposits | 120.5823% | 361 |
| Total domestic deposits to total assets | 84.0900% | 3,187 |
| Equity capital to assets | 9.2571% | 2,191 |
| Core capital (leverage) ratio | 9.5182% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2879% | 1,537 |
| Memoranda: | ||
| Average total assets | $173,416,800 | 3,247 |
| Average earning assets | $159,448,800 | 3,251 |
| Average equity | $16,928,400 | 3,207 |
| Average total loans | $141,802,800 | 2,709 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 98 |
| Cost of funding earning assets | 0.9379% | 84 |
| Net interest margin | 4.7422% | 159 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.2214% | 2,870 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.8748% | 366 |
| Return on assets (ROA) | 1.8748% | 358 |
| Pretax return on assets | 2.3001% | 274 |
| Return on Equity (ROE) | 18.9300% | 534 |
| Retained earnings to average equity (ytd only) | 18.9307% | 133 |
| Net charge-offs to loans | 0.1871% | 360 |
| Credit loss provision to net charge-offs | 174.6114% | 1,049 |
| Earnings coverage of net charge-offs (x) | 16.8756% | 1,810 |
| Efficiency ratio | 46.4045% | 4,357 |
| Assets per employee ($millions) | 6.4698% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 3,672 |
| Loan loss allowance to noncurrent loans | 54.4006% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 237 |
| Noncurrent loans to loans | 1.7554% | 371 |
| Net loans and leases to total assets | 82.1000% | 374 |
| Net loans and leases to deposits | 95.0789% | 591 |
| Net loans and leases to core deposits | 113.6367% | 370 |
| Total domestic deposits to total assets | 86.3500% | 2,969 |
| Equity capital to assets | 9.8336% | 1,703 |
| Core capital (leverage) ratio | 10.1512% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1700% | 1,374 |
| Memoranda: | ||
| Average total assets | $169,261,500 | 3,304 |
| Average earning assets | $154,806,000 | 3,308 |
| Average equity | $16,762,500 | 3,256 |
| Average total loans | $137,552,750 | 2,758 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5468% | 99 |
| Cost of funding earning assets | 0.9070% | 56 |
| Net interest margin | 4.6398% | 158 |
| Noninterest income to average assets | 0.4440% | 2,486 |
| Noninterest expense to average assets | 2.1573% | 2,976 |
| Loan and lease loss provision to assets | 0.2275% | 343 |
| Net operating income to assets | 1.9069% | 270 |
| Return on assets (ROA) | 1.9069% | 270 |
| Pretax return on assets | 2.3424% | 209 |
| Return on Equity (ROE) | 19.2055% | 368 |
| Retained earnings to average equity (ytd only) | 19.2055% | 91 |
| Net charge-offs to loans | 0.1935% | 334 |
| Credit loss provision to net charge-offs | 145.7364% | 1,103 |
| Earnings coverage of net charge-offs (x) | 16.4651% | 1,623 |
| Efficiency ratio | 45.6360% | 4,467 |
| Assets per employee ($millions) | 6.1789% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 3,814 |
| Loan loss allowance to noncurrent loans | 58.1787% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 282 |
| Noncurrent loans to loans | 1.6245% | 443 |
| Net loans and leases to total assets | 81.6583% | 304 |
| Net loans and leases to deposits | 93.0967% | 553 |
| Net loans and leases to core deposits | 106.1060% | 448 |
| Total domestic deposits to total assets | 87.7134% | 2,689 |
| Equity capital to assets | 9.8838% | 1,781 |
| Core capital (leverage) ratio | 10.2946% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0726% | 1,419 |
| Memoranda: | ||
| Average total assets | $165,297,333 | 3,366 |
| Average earning assets | $152,592,333 | 3,372 |
| Average equity | $16,412,000 | 3,368 |
| Average total loans | $133,349,000 | 2,817 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 91 |
| Cost of funding earning assets | 0.9268% | 48 |
| Net interest margin | 4.5858% | 159 |
| Noninterest income to average assets | 0.5154% | 2,067 |
| Noninterest expense to average assets | 2.1804% | 2,894 |
| Loan and lease loss provision to assets | 0.0743% | 1,112 |
| Net operating income to assets | 2.0813% | 194 |
| Return on assets (ROA) | 2.0813% | 193 |
| Pretax return on assets | 2.5272% | 174 |
| Return on Equity (ROE) | 20.9111% | 203 |
| Retained earnings to average equity (ytd only) | 20.9111% | 86 |
| Net charge-offs to loans | 0.1492% | 389 |
| Credit loss provision to net charge-offs | 62.5000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,249 |
| Efficiency ratio | 45.5959% | 4,509 |
| Assets per employee ($millions) | 6.2677% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,881 |
| Loan loss allowance to noncurrent loans | 61.7176% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 301 |
| Noncurrent loans to loans | 1.5540% | 520 |
| Net loans and leases to total assets | 80.6044% | 218 |
| Net loans and leases to deposits | 89.8927% | 515 |
| Net loans and leases to core deposits | 102.7182% | 427 |
| Total domestic deposits to total assets | 89.6674% | 1,733 |
| Equity capital to assets | 10.0761% | 1,839 |
| Core capital (leverage) ratio | 10.1737% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7066% | 1,334 |
| Memoranda: | ||
| Average total assets | $161,441,000 | 3,410 |
| Average earning assets | $150,201,500 | 3,405 |
| Average equity | $16,068,000 | 3,467 |
| Average total loans | $128,711,000 | 2,861 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 134 |
| Cost of funding earning assets | 1.1311% | 38 |
| Net interest margin | 4.3449% | 372 |
| Noninterest income to average assets | 0.4557% | 2,785 |
| Noninterest expense to average assets | 2.3809% | 2,546 |
| Loan and lease loss provision to assets | 0.3764% | 184 |
| Net operating income to assets | 1.3857% | 1,329 |
| Return on assets (ROA) | 1.3857% | 1,384 |
| Pretax return on assets | 1.7594% | 1,003 |
| Return on Equity (ROE) | 13.7444% | 1,257 |
| Retained earnings to average equity (ytd only) | 11.5704% | 604 |
| Net charge-offs to loans | 0.0822% | 982 |
| Credit loss provision to net charge-offs | 620.8791% | 708 |
| Earnings coverage of net charge-offs (x) | 35.2308% | 1,502 |
| Efficiency ratio | 52.7139% | 4,062 |
| Assets per employee ($millions) | 6.1508% | 2,608 |
| Cash dividends to net income (ytd only)* | 15.8173% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,621 |
| Loan loss allowance to noncurrent loans | 67.4334% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2181% | 402 |
| Noncurrent loans to loans | 1.5329% | 584 |
| Net loans and leases to total assets | 77.2295% | 434 |
| Net loans and leases to deposits | 85.7985% | 799 |
| Net loans and leases to core deposits | 98.5800% | 591 |
| Total domestic deposits to total assets | 90.0126% | 950 |
| Equity capital to assets | 9.8273% | 2,825 |
| Core capital (leverage) ratio | 9.8769% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0849% | 1,246 |
| Memoranda: | ||
| Average total assets | $150,108,200 | 3,483 |
| Average earning assets | $140,301,600 | 3,467 |
| Average equity | $15,133,400 | 3,620 |
| Average total loans | $110,694,000 | 3,070 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5166% | 146 |
| Cost of funding earning assets | 1.1756% | 37 |
| Net interest margin | 4.3409% | 415 |
| Noninterest income to average assets | 0.4443% | 2,867 |
| Noninterest expense to average assets | 2.1672% | 3,179 |
| Loan and lease loss provision to assets | 0.2005% | 516 |
| Net operating income to assets | 1.8060% | 657 |
| Return on assets (ROA) | 1.8060% | 685 |
| Pretax return on assets | 2.1310% | 640 |
| Return on Equity (ROE) | 17.7919% | 651 |
| Retained earnings to average equity (ytd only) | 17.7919% | 204 |
| Net charge-offs to loans | 0.0647% | 996 |
| Credit loss provision to net charge-offs | 426.9231% | 832 |
| Earnings coverage of net charge-offs (x) | 49.6538% | 1,247 |
| Efficiency ratio | 48.1734% | 4,356 |
| Assets per employee ($millions) | 6.1952% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 4,287 |
| Loan loss allowance to noncurrent loans | 70.6304% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.8667% | 804 |
| Noncurrent loans to loans | 1.1950% | 932 |
| Net loans and leases to total assets | 71.9156% | 883 |
| Net loans and leases to deposits | 79.9594% | 1,294 |
| Net loans and leases to core deposits | 91.7543% | 932 |
| Total domestic deposits to total assets | 89.9401% | 798 |
| Equity capital to assets | 9.9339% | 2,964 |
| Core capital (leverage) ratio | 12.0921% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5280% | 1,043 |
| Memoranda: | ||
| Average total assets | $147,654,750 | 3,537 |
| Average earning assets | $137,908,000 | 3,529 |
| Average equity | $14,987,750 | 3,688 |
| Average total loans | $107,168,250 | 3,153 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7135% | 127 |
| Cost of funding earning assets | 1.2410% | 34 |
| Net interest margin | 4.4725% | 368 |
| Noninterest income to average assets | 0.4302% | 2,952 |
| Noninterest expense to average assets | 2.1930% | 3,110 |
| Loan and lease loss provision to assets | 0.2417% | 412 |
| Net operating income to assets | 1.8187% | 687 |
| Return on assets (ROA) | 1.8187% | 723 |
| Pretax return on assets | 2.1539% | 625 |
| Return on Equity (ROE) | 17.7747% | 679 |
| Retained earnings to average equity (ytd only) | 17.7747% | 232 |
| Net charge-offs to loans | 0.0404% | 1,230 |
| Credit loss provision to net charge-offs | 823.8095% | 529 |
| Earnings coverage of net charge-offs (x) | 81.6667% | 832 |
| Efficiency ratio | 47.7930% | 4,402 |
| Assets per employee ($millions) | 5.6532% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 4,175 |
| Loan loss allowance to noncurrent loans | 58.9166% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 587 |
| Noncurrent loans to loans | 1.5142% | 747 |
| Net loans and leases to total assets | 73.1637% | 842 |
| Net loans and leases to deposits | 81.7694% | 1,252 |
| Net loans and leases to core deposits | 96.1328% | 798 |
| Total domestic deposits to total assets | 89.4757% | 1,041 |
| Equity capital to assets | 10.4141% | 2,475 |
| Core capital (leverage) ratio | 12.1365% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5976% | 1,015 |
| Memoranda: | ||
| Average total assets | $143,181,333 | 3,598 |
| Average earning assets | $133,123,667 | 3,596 |
| Average equity | $14,650,000 | 3,725 |
| Average total loans | $103,949,667 | 3,206 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6799% | 153 |
| Cost of funding earning assets | 1.3020% | 36 |
| Net interest margin | 4.3779% | 446 |
| Noninterest income to average assets | 0.4360% | 2,892 |
| Noninterest expense to average assets | 2.2169% | 3,057 |
| Loan and lease loss provision to assets | 0.3228% | 272 |
| Net operating income to assets | 1.6025% | 1,123 |
| Return on assets (ROA) | 1.6025% | 1,171 |
| Pretax return on assets | 1.9422% | 1,043 |
| Return on Equity (ROE) | 15.8084% | 1,057 |
| Retained earnings to average equity (ytd only) | 15.8084% | 542 |
| Net charge-offs to loans | 0.0354% | 1,122 |
| Credit loss provision to net charge-offs | 1,266.6667% | 354 |
| Earnings coverage of net charge-offs (x) | 88.8889% | 662 |
| Efficiency ratio | 49.4630% | 4,232 |
| Assets per employee ($millions) | 5.5497% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,191 |
| Loan loss allowance to noncurrent loans | 54.4970% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.2759% | 560 |
| Noncurrent loans to loans | 1.6295% | 748 |
| Net loans and leases to total assets | 71.2403% | 1,119 |
| Net loans and leases to deposits | 79.4555% | 1,573 |
| Net loans and leases to core deposits | 94.0200% | 982 |
| Total domestic deposits to total assets | 89.6605% | 990 |
| Equity capital to assets | 10.1045% | 2,610 |
| Core capital (leverage) ratio | 12.0465% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4088% | 1,195 |
| Memoranda: | ||
| Average total assets | $141,280,000 | 3,624 |
| Average earning assets | $130,565,500 | 3,626 |
| Average equity | $14,321,500 | 3,764 |
| Average total loans | $101,671,000 | 3,233 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9035% | 107 |
| Cost of funding earning assets | 1.5675% | 59 |
| Net interest margin | 4.3359% | 473 |
| Noninterest income to average assets | 0.3581% | 3,322 |
| Noninterest expense to average assets | 2.7328% | 2,134 |
| Loan and lease loss provision to assets | 0.2466% | 1,565 |
| Net operating income to assets | 1.0677% | 2,039 |
| Return on assets (ROA) | 1.0677% | 2,178 |
| Pretax return on assets | 1.3521% | 1,812 |
| Return on Equity (ROE) | 9.5066% | 2,193 |
| Retained earnings to average equity (ytd only) | 7.5878% | 1,175 |
| Net charge-offs to loans | 0.1284% | 1,226 |
| Credit loss provision to net charge-offs | 252.9412% | 1,925 |
| Earnings coverage of net charge-offs (x) | 16.3950% | 2,135 |
| Efficiency ratio | 63.0912% | 2,963 |
| Assets per employee ($millions) | 5.3180% | 3,028 |
| Cash dividends to net income (ytd only)* | 20.1842% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 4,388 |
| Loan loss allowance to noncurrent loans | 40.5674% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 492 |
| Noncurrent loans to loans | 2.0165% | 565 |
| Net loans and leases to total assets | 71.4641% | 1,373 |
| Net loans and leases to deposits | 79.7546% | 1,893 |
| Net loans and leases to core deposits | 94.2054% | 1,235 |
| Total domestic deposits to total assets | 89.6050% | 726 |
| Equity capital to assets | 10.1708% | 2,962 |
| Core capital (leverage) ratio | 10.8884% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4911% | 1,155 |
| Memoranda: | ||
| Average total assets | $122,035,600 | 3,722 |
| Average earning assets | $111,832,800 | 3,737 |
| Average equity | $13,706,200 | 3,794 |
| Average total loans | $92,695,600 | 3,360 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0123% | 108 |
| Cost of funding earning assets | 1.6090% | 72 |
| Net interest margin | 4.4033% | 470 |
| Noninterest income to average assets | 0.3718% | 3,224 |
| Noninterest expense to average assets | 2.5371% | 2,728 |
| Loan and lease loss provision to assets | 0.2238% | 1,810 |
| Net operating income to assets | 1.3833% | 1,142 |
| Return on assets (ROA) | 1.3833% | 1,236 |
| Pretax return on assets | 1.6376% | 1,090 |
| Return on Equity (ROE) | 11.9847% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.9847% | 423 |
| Net charge-offs to loans | 0.0660% | 1,670 |
| Credit loss provision to net charge-offs | 440.0000% | 1,387 |
| Earnings coverage of net charge-offs (x) | 36.6000% | 1,427 |
| Efficiency ratio | 57.6824% | 3,713 |
| Assets per employee ($millions) | 5.1069% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 4,323 |
| Loan loss allowance to noncurrent loans | 35.5948% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.6802% | 474 |
| Noncurrent loans to loans | 2.2930% | 488 |
| Net loans and leases to total assets | 72.0259% | 1,659 |
| Net loans and leases to deposits | 81.0131% | 2,196 |
| Net loans and leases to core deposits | 97.1259% | 1,369 |
| Total domestic deposits to total assets | 88.9065% | 813 |
| Equity capital to assets | 10.7290% | 2,600 |
| Core capital (leverage) ratio | 11.3987% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1355% | 897 |
| Memoranda: | ||
| Average total assets | $117,977,500 | 3,766 |
| Average earning assets | $107,887,250 | 3,796 |
| Average equity | $13,617,000 | 3,808 |
| Average total loans | $90,962,750 | 3,399 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1764% | 118 |
| Cost of funding earning assets | 1.6232% | 101 |
| Net interest margin | 4.5533% | 448 |
| Noninterest income to average assets | 0.4299% | 2,910 |
| Noninterest expense to average assets | 2.5495% | 2,829 |
| Loan and lease loss provision to assets | 0.2017% | 2,034 |
| Net operating income to assets | 1.6171% | 736 |
| Return on assets (ROA) | 1.6171% | 805 |
| Pretax return on assets | 1.8825% | 692 |
| Return on Equity (ROE) | 13.6343% | 949 |
| Retained earnings to average equity (ytd only) | 13.6343% | 299 |
| Net charge-offs to loans | 0.0606% | 1,643 |
| Credit loss provision to net charge-offs | 422.2222% | 1,358 |
| Earnings coverage of net charge-offs (x) | 43.6296% | 1,186 |
| Efficiency ratio | 55.0210% | 4,059 |
| Assets per employee ($millions) | 4.5221% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,428 |
| Loan loss allowance to noncurrent loans | 30.9575% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.9443% | 382 |
| Noncurrent loans to loans | 2.4672% | 480 |
| Net loans and leases to total assets | 76.7236% | 1,035 |
| Net loans and leases to deposits | 86.7670% | 1,685 |
| Net loans and leases to core deposits | 101.3031% | 1,166 |
| Total domestic deposits to total assets | 88.4249% | 978 |
| Equity capital to assets | 11.4064% | 2,033 |
| Core capital (leverage) ratio | 11.6246% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4568% | 855 |
| Memoranda: | ||
| Average total assets | $113,043,333 | 3,816 |
| Average earning assets | $104,364,333 | 3,834 |
| Average equity | $13,407,333 | 3,831 |
| Average total loans | $89,142,667 | 3,429 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2315% | 122 |
| Cost of funding earning assets | 1.6309% | 169 |
| Net interest margin | 4.6006% | 411 |
| Noninterest income to average assets | 0.4276% | 2,919 |
| Noninterest expense to average assets | 2.7904% | 2,456 |
| Loan and lease loss provision to assets | 0.1069% | 2,346 |
| Net operating income to assets | 1.5482% | 701 |
| Return on assets (ROA) | 1.5482% | 770 |
| Pretax return on assets | 1.8246% | 662 |
| Return on Equity (ROE) | 12.7781% | 919 |
| Retained earnings to average equity (ytd only) | 12.7781% | 342 |
| Net charge-offs to loans | 0.0647% | 1,373 |
| Credit loss provision to net charge-offs | 207.1429% | 1,398 |
| Earnings coverage of net charge-offs (x) | 37.4286% | 1,059 |
| Efficiency ratio | 59.0945% | 3,854 |
| Assets per employee ($millions) | 4.4087% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 4,569 |
| Loan loss allowance to noncurrent loans | 26.0538% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.2692% | 327 |
| Noncurrent loans to loans | 2.7756% | 407 |
| Net loans and leases to total assets | 80.8378% | 590 |
| Net loans and leases to deposits | 92.2081% | 1,259 |
| Net loans and leases to core deposits | 106.5958% | 1,022 |
| Total domestic deposits to total assets | 87.6689% | 1,242 |
| Equity capital to assets | 12.1361% | 1,972 |
| Core capital (leverage) ratio | 12.3743% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1322% | 849 |
| Memoranda: | ||
| Average total assets | $108,516,000 | 3,863 |
| Average earning assets | $101,291,500 | 3,860 |
| Average equity | $13,147,500 | 3,866 |
| Average total loans | $86,514,500 | 3,472 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3310% | 138 |
| Cost of funding earning assets | 1.5813% | 318 |
| Net interest margin | 4.7497% | 426 |
| Noninterest income to average assets | 0.3136% | 3,816 |
| Noninterest expense to average assets | 3.1625% | 1,611 |
| Loan and lease loss provision to assets | 0.2631% | 685 |
| Net operating income to assets | 1.0384% | 2,703 |
| Return on assets (ROA) | 1.0384% | 2,793 |
| Pretax return on assets | 1.3101% | 2,477 |
| Return on Equity (ROE) | 7.6112% | 3,316 |
| Retained earnings to average equity (ytd only) | 5.6434% | 2,069 |
| Net charge-offs to loans | 0.1859% | 1,088 |
| Credit loss provision to net charge-offs | 177.5362% | 1,466 |
| Earnings coverage of net charge-offs (x) | 10.6159% | 2,557 |
| Efficiency ratio | 66.7800% | 2,652 |
| Assets per employee ($millions) | 4.2726% | 3,543 |
| Cash dividends to net income (ytd only)* | 25.8532% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 4,416 |
| Loan loss allowance to noncurrent loans | 26.9787% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.2366% | 318 |
| Noncurrent loans to loans | 2.8217% | 351 |
| Net loans and leases to total assets | 77.3758% | 1,182 |
| Net loans and leases to deposits | 88.1674% | 1,821 |
| Net loans and leases to core deposits | 104.6614% | 1,190 |
| Total domestic deposits to total assets | 87.7601% | 1,246 |
| Equity capital to assets | 12.0947% | 2,080 |
| Core capital (leverage) ratio | 12.6370% | 1,413 |
| Tier 1 risk-based capital ratio | 19.7447% | 1,361 |
| Total risk-based capital ratio | 20.7139% | 1,383 |
| Memoranda: | ||
| Average total assets | $93,123,600 | 4,097 |
| Average earning assets | $86,700,400 | 4,085 |
| Average equity | $12,705,000 | 3,914 |
| Average total loans | $74,218,600 | 3,698 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3382% | 141 |
| Cost of funding earning assets | 1.5348% | 372 |
| Net interest margin | 4.8034% | 415 |
| Noninterest income to average assets | 0.2943% | 3,975 |
| Noninterest expense to average assets | 2.7736% | 2,642 |
| Loan and lease loss provision to assets | 0.2661% | 585 |
| Net operating income to assets | 1.4046% | 1,455 |
| Return on assets (ROA) | 1.4046% | 1,515 |
| Pretax return on assets | 1.7391% | 1,224 |
| Return on Equity (ROE) | 9.9591% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.9591% | 757 |
| Net charge-offs to loans | 0.2705% | 652 |
| Credit loss provision to net charge-offs | 122.6027% | 1,922 |
| Earnings coverage of net charge-offs (x) | 9.2398% | 2,585 |
| Efficiency ratio | 58.0404% | 3,931 |
| Assets per employee ($millions) | 3.8664% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,620 |
| Loan loss allowance to noncurrent loans | 29.6296% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 2.0153% | 435 |
| Noncurrent loans to loans | 2.4126% | 497 |
| Net loans and leases to total assets | 80.4685% | 784 |
| Net loans and leases to deposits | 93.4025% | 1,279 |
| Net loans and leases to core deposits | 109.3721% | 975 |
| Total domestic deposits to total assets | 86.1524% | 1,922 |
| Equity capital to assets | 13.6159% | 1,306 |
| Core capital (leverage) ratio | 14.1791% | 938 |
| Tier 1 risk-based capital ratio | 19.8550% | 1,386 |
| Total risk-based capital ratio | 20.7009% | 1,442 |
| Memoranda: | ||
| Average total assets | $89,700,750 | 4,204 |
| Average earning assets | $83,744,000 | 4,179 |
| Average equity | $12,651,500 | 3,959 |
| Average total loans | $71,952,500 | 3,781 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2153% | 165 |
| Cost of funding earning assets | 1.4847% | 400 |
| Net interest margin | 4.7306% | 466 |
| Noninterest income to average assets | 0.3090% | 3,859 |
| Noninterest expense to average assets | 2.7054% | 2,884 |
| Loan and lease loss provision to assets | 0.2357% | 676 |
| Net operating income to assets | 1.4511% | 1,292 |
| Return on assets (ROA) | 1.4511% | 1,343 |
| Pretax return on assets | 1.7944% | 1,047 |
| Return on Equity (ROE) | 10.1589% | 2,317 |
| Retained earnings to average equity (ytd only) | 10.1589% | 713 |
| Net charge-offs to loans | 0.3380% | 505 |
| Credit loss provision to net charge-offs | 87.2881% | 2,159 |
| Earnings coverage of net charge-offs (x) | 7.5169% | 2,482 |
| Efficiency ratio | 57.1290% | 4,112 |
| Assets per employee ($millions) | 3.6375% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6947% | 4,728 |
| Loan loss allowance to noncurrent loans | 27.5417% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.1927% | 387 |
| Noncurrent loans to loans | 2.5224% | 471 |
| Net loans and leases to total assets | 80.4812% | 809 |
| Net loans and leases to deposits | 94.0635% | 1,254 |
| Net loans and leases to core deposits | 110.8170% | 933 |
| Total domestic deposits to total assets | 85.5605% | 2,241 |
| Equity capital to assets | 14.1195% | 1,082 |
| Core capital (leverage) ratio | 14.4475% | 842 |
| Tier 1 risk-based capital ratio | 20.9693% | 1,177 |
| Total risk-based capital ratio | 21.8059% | 1,211 |
| Memoranda: | ||
| Average total assets | $87,381,330 | 4,261 |
| Average earning assets | $81,765,670 | 4,238 |
| Average equity | $12,481,670 | 3,984 |
| Average total loans | $69,823,330 | 3,843 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1337% | 177 |
| Cost of funding earning assets | 1.4235% | 420 |
| Net interest margin | 4.7101% | 483 |
| Noninterest income to average assets | 0.3224% | 3,706 |
| Noninterest expense to average assets | 2.4579% | 3,610 |
| Loan and lease loss provision to assets | 0.4392% | 251 |
| Net operating income to assets | 1.4813% | 1,152 |
| Return on assets (ROA) | 1.4813% | 1,173 |
| Pretax return on assets | 1.8317% | 909 |
| Return on Equity (ROE) | 10.3068% | 2,237 |
| Retained earnings to average equity (ytd only) | 10.3068% | 963 |
| Net charge-offs to loans | 0.4419% | 344 |
| Credit loss provision to net charge-offs | 125.3333% | 1,382 |
| Earnings coverage of net charge-offs (x) | 6.4800% | 2,194 |
| Efficiency ratio | 51.9763% | 4,700 |
| Assets per employee ($millions) | 4.3180% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 4,541 |
| Loan loss allowance to noncurrent loans | 29.2291% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 2.2244% | 391 |
| Noncurrent loans to loans | 2.7167% | 441 |
| Net loans and leases to total assets | 78.9900% | 990 |
| Net loans and leases to deposits | 92.4561% | 1,350 |
| Net loans and leases to core deposits | 106.4031% | 1,147 |
| Total domestic deposits to total assets | 85.4352% | 2,511 |
| Equity capital to assets | 14.4582% | 890 |
| Core capital (leverage) ratio | 14.7111% | 764 |
| Tier 1 risk-based capital ratio | 22.0230% | 1,049 |
| Total risk-based capital ratio | 22.9838% | 1,062 |
| Memoranda: | ||
| Average total assets | $85,603,000 | 4,332 |
| Average earning assets | $80,082,500 | 4,304 |
| Average equity | $12,302,500 | 4,023 |
| Average total loans | $67,885,000 | 3,921 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0780% | 148 |
| Cost of funding earning assets | 1.2285% | 302 |
| Net interest margin | 4.8495% | 357 |
| Noninterest income to average assets | 0.2387% | 4,487 |
| Noninterest expense to average assets | 2.9548% | 2,176 |
| Loan and lease loss provision to assets | 0.6433% | 169 |
| Net operating income to assets | 0.9522% | 3,218 |
| Return on assets (ROA) | 0.9522% | 3,215 |
| Pretax return on assets | 1.1981% | 2,887 |
| Return on Equity (ROE) | 6.5830% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.6399% | 2,967 |
| Net charge-offs to loans | 0.6972% | 229 |
| Credit loss provision to net charge-offs | 115.1844% | 2,252 |
| Earnings coverage of net charge-offs (x) | 3.2972% | 3,428 |
| Efficiency ratio | 61.6065% | 3,603 |
| Assets per employee ($millions) | 4.2424% | 3,553 |
| Cash dividends to net income (ytd only)* | 29.5165% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 4,585 |
| Loan loss allowance to noncurrent loans | 26.3659% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.4267% | 326 |
| Noncurrent loans to loans | 2.9772% | 343 |
| Net loans and leases to total assets | 78.3563% | 1,212 |
| Net loans and leases to deposits | 91.4912% | 1,603 |
| Net loans and leases to core deposits | 106.5808% | 1,221 |
| Total domestic deposits to total assets | 85.6436% | 2,383 |
| Equity capital to assets | 14.2834% | 896 |
| Core capital (leverage) ratio | 14.4212% | 820 |
| Tier 1 risk-based capital ratio | 22.1665% | 1,007 |
| Total risk-based capital ratio | 23.1224% | 1,032 |
| Memoranda: | ||
| Average total assets | $82,545,000 | 4,389 |
| Average earning assets | $77,575,200 | 4,358 |
| Average equity | $11,939,800 | 4,039 |
| Average total loans | $66,118,800 | 3,963 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 145 |
| Cost of funding earning assets | 1.1985% | 261 |
| Net interest margin | 4.8353% | 352 |
| Noninterest income to average assets | 0.2505% | 4,475 |
| Noninterest expense to average assets | 2.5602% | 3,412 |
| Loan and lease loss provision to assets | 0.6815% | 143 |
| Net operating income to assets | 1.1972% | 2,252 |
| Return on assets (ROA) | 1.1972% | 2,258 |
| Pretax return on assets | 1.5631% | 1,695 |
| Return on Equity (ROE) | 8.2498% | 3,442 |
| Retained earnings to average equity (ytd only) | 8.2273% | 1,546 |
| Net charge-offs to loans | 0.6859% | 211 |
| Credit loss provision to net charge-offs | 123.5988% | 1,952 |
| Earnings coverage of net charge-offs (x) | 4.0708% | 3,101 |
| Efficiency ratio | 53.2837% | 4,677 |
| Assets per employee ($millions) | 4.6734% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.2721% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8047% | 4,601 |
| Loan loss allowance to noncurrent loans | 26.1187% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.5214% | 340 |
| Noncurrent loans to loans | 3.0811% | 348 |
| Net loans and leases to total assets | 78.6867% | 1,220 |
| Net loans and leases to deposits | 92.2087% | 1,593 |
| Net loans and leases to core deposits | 106.5859% | 1,263 |
| Total domestic deposits to total assets | 85.3354% | 2,474 |
| Equity capital to assets | 14.5528% | 818 |
| Core capital (leverage) ratio | 14.8830% | 728 |
| Tier 1 risk-based capital ratio | 22.6457% | 977 |
| Total risk-based capital ratio | 23.6282% | 980 |
| Memoranda: | ||
| Average total assets | $81,969,500 | 4,442 |
| Average earning assets | $77,207,750 | 4,407 |
| Average equity | $11,895,000 | 4,080 |
| Average total loans | $65,896,250 | 4,000 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0124% | 139 |
| Cost of funding earning assets | 1.1731% | 203 |
| Net interest margin | 4.8392% | 341 |
| Noninterest income to average assets | 0.2634% | 4,428 |
| Noninterest expense to average assets | 2.5919% | 3,351 |
| Loan and lease loss provision to assets | 0.6104% | 167 |
| Net operating income to assets | 1.2406% | 2,026 |
| Return on assets (ROA) | 1.2406% | 2,022 |
| Pretax return on assets | 1.6098% | 1,473 |
| Return on Equity (ROE) | 8.5574% | 3,228 |
| Retained earnings to average equity (ytd only) | 8.5574% | 1,374 |
| Net charge-offs to loans | 0.5395% | 272 |
| Credit loss provision to net charge-offs | 140.1130% | 1,646 |
| Earnings coverage of net charge-offs (x) | 5.0960% | 2,742 |
| Efficiency ratio | 53.8619% | 4,708 |
| Assets per employee ($millions) | 4.5687% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,741 |
| Loan loss allowance to noncurrent loans | 25.9606% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.6947% | 303 |
| Noncurrent loans to loans | 3.0179% | 377 |
| Net loans and leases to total assets | 81.1555% | 831 |
| Net loans and leases to deposits | 95.1525% | 1,231 |
| Net loans and leases to core deposits | 108.7078% | 1,074 |
| Total domestic deposits to total assets | 85.2899% | 2,568 |
| Equity capital to assets | 14.6201% | 778 |
| Core capital (leverage) ratio | 14.7143% | 734 |
| Tier 1 risk-based capital ratio | 21.8722% | 1,048 |
| Total risk-based capital ratio | 22.8213% | 1,066 |
| Memoranda: | ||
| Average total assets | $81,252,330 | 4,496 |
| Average earning assets | $76,376,000 | 4,465 |
| Average equity | $11,779,330 | 4,121 |
| Average total loans | $65,618,670 | 4,028 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9801% | 139 |
| Cost of funding earning assets | 1.1381% | 186 |
| Net interest margin | 4.8420% | 314 |
| Noninterest income to average assets | 0.2031% | 4,813 |
| Noninterest expense to average assets | 2.7489% | 2,877 |
| Loan and lease loss provision to assets | 0.6142% | 165 |
| Net operating income to assets | 1.0203% | 2,779 |
| Return on assets (ROA) | 1.0203% | 2,798 |
| Pretax return on assets | 1.3918% | 2,038 |
| Return on Equity (ROE) | 7.0684% | 3,760 |
| Retained earnings to average equity (ytd only) | 7.0684% | 2,250 |
| Net charge-offs to loans | 0.4074% | 385 |
| Credit loss provision to net charge-offs | 187.8788% | 1,082 |
| Earnings coverage of net charge-offs (x) | 6.1364% | 2,178 |
| Efficiency ratio | 57.8125% | 4,368 |
| Assets per employee ($millions) | 4.5356% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 4,810 |
| Loan loss allowance to noncurrent loans | 27.3210% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.5122% | 366 |
| Noncurrent loans to loans | 2.8965% | 424 |
| Net loans and leases to total assets | 79.0826% | 1,063 |
| Net loans and leases to deposits | 92.4852% | 1,387 |
| Net loans and leases to core deposits | 105.4555% | 1,281 |
| Total domestic deposits to total assets | 85.5083% | 2,749 |
| Equity capital to assets | 14.3680% | 803 |
| Core capital (leverage) ratio | 14.8108% | 684 |
| Tier 1 risk-based capital ratio | 22.0016% | 1,050 |
| Total risk-based capital ratio | 22.9581% | 1,067 |
| Memoranda: | ||
| Average total assets | $80,760,500 | 4,550 |
| Average earning assets | $75,919,000 | 4,526 |
| Average equity | $11,657,500 | 4,171 |
| Average total loans | $64,795,000 | 4,077 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2948% | 97 |
| Cost of funding earning assets | 1.0807% | 143 |
| Net interest margin | 5.2141% | 166 |
| Noninterest income to average assets | 0.3074% | 4,261 |
| Noninterest expense to average assets | 3.1144% | 1,819 |
| Loan and lease loss provision to assets | 0.3426% | 472 |
| Net operating income to assets | 1.1536% | 1,671 |
| Return on assets (ROA) | 1.1606% | 1,677 |
| Pretax return on assets | 1.7441% | 910 |
| Return on Equity (ROE) | 7.7847% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.7926% | 1,660 |
| Net charge-offs to loans | 0.4214% | 586 |
| Credit loss provision to net charge-offs | 97.7695% | 2,644 |
| Earnings coverage of net charge-offs (x) | 5.9257% | 3,253 |
| Efficiency ratio | 60.0000% | 4,265 |
| Assets per employee ($millions) | 4.4378% | 3,293 |
| Cash dividends to net income (ytd only)* | 25.5892% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 5,053 |
| Loan loss allowance to noncurrent loans | 25.5879% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 2.5901% | 349 |
| Noncurrent loans to loans | 2.7685% | 438 |
| Net loans and leases to total assets | 80.1880% | 932 |
| Net loans and leases to deposits | 93.8906% | 1,285 |
| Net loans and leases to core deposits | 105.8201% | 1,273 |
| Total domestic deposits to total assets | 85.4058% | 2,689 |
| Equity capital to assets | 14.5028% | 776 |
| Core capital (leverage) ratio | 14.6665% | 693 |
| Tier 1 risk-based capital ratio | 21.8701% | 1,035 |
| Total risk-based capital ratio | 22.7286% | 1,056 |
| Memoranda: | ||
| Average total assets | $76,772,400 | 4,649 |
| Average earning assets | $71,900,800 | 4,627 |
| Average equity | $11,445,600 | 4,231 |
| Average total loans | $63,827,600 | 4,103 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3033% | 92 |
| Cost of funding earning assets | 1.0655% | 139 |
| Net interest margin | 5.2378% | 159 |
| Noninterest income to average assets | 0.3176% | 4,269 |
| Noninterest expense to average assets | 2.6422% | 3,277 |
| Loan and lease loss provision to assets | 0.3825% | 370 |
| Net operating income to assets | 1.5685% | 770 |
| Return on assets (ROA) | 1.5685% | 787 |
| Pretax return on assets | 2.2001% | 364 |
| Return on Equity (ROE) | 10.4460% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.4460% | 501 |
| Net charge-offs to loans | 0.4545% | 457 |
| Credit loss provision to net charge-offs | 100.4608% | 2,270 |
| Earnings coverage of net charge-offs (x) | 6.7833% | 2,942 |
| Efficiency ratio | 50.5709% | 5,211 |
| Assets per employee ($millions) | 4.3099% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7237% | 5,087 |
| Loan loss allowance to noncurrent loans | 29.5990% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.4723% | 438 |
| Noncurrent loans to loans | 2.4451% | 632 |
| Net loans and leases to total assets | 82.2220% | 647 |
| Net loans and leases to deposits | 97.2541% | 989 |
| Net loans and leases to core deposits | 110.1409% | 1,017 |
| Total domestic deposits to total assets | 84.5435% | 2,901 |
| Equity capital to assets | 15.3018% | 676 |
| Core capital (leverage) ratio | 15.5055% | 576 |
| Tier 1 risk-based capital ratio | 22.3715% | 1,009 |
| Total risk-based capital ratio | 23.2477% | 1,030 |
| Memoranda: | ||
| Average total assets | $75,995,250 | 4,713 |
| Average earning assets | $71,199,250 | 4,688 |
| Average equity | $11,410,750 | 4,278 |
| Average total loans | $63,656,500 | 4,143 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2334% | 99 |
| Cost of funding earning assets | 1.0290% | 146 |
| Net interest margin | 5.2044% | 163 |
| Noninterest income to average assets | 0.3445% | 4,084 |
| Noninterest expense to average assets | 2.6316% | 3,335 |
| Loan and lease loss provision to assets | 0.3975% | 335 |
| Net operating income to assets | 1.5583% | 773 |
| Return on assets (ROA) | 1.5583% | 793 |
| Pretax return on assets | 2.1943% | 359 |
| Return on Equity (ROE) | 10.4465% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.4465% | 515 |
| Net charge-offs to loans | 0.3624% | 560 |
| Credit loss provision to net charge-offs | 130.4348% | 1,677 |
| Earnings coverage of net charge-offs (x) | 8.5043% | 2,506 |
| Efficiency ratio | 50.3805% | 5,281 |
| Assets per employee ($millions) | 4.1960% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7629% | 5,041 |
| Loan loss allowance to noncurrent loans | 26.6310% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.6904% | 374 |
| Noncurrent loans to loans | 2.8646% | 466 |
| Net loans and leases to total assets | 85.7708% | 290 |
| Net loans and leases to deposits | 101.4295% | 643 |
| Net loans and leases to core deposits | 113.5453% | 819 |
| Total domestic deposits to total assets | 84.5620% | 2,994 |
| Equity capital to assets | 15.3188% | 649 |
| Core capital (leverage) ratio | 15.3634% | 570 |
| Tier 1 risk-based capital ratio | 21.7309% | 1,081 |
| Total risk-based capital ratio | 22.6664% | 1,106 |
| Memoranda: | ||
| Average total assets | $75,467,330 | 4,753 |
| Average earning assets | $70,748,000 | 4,732 |
| Average equity | $11,257,330 | 4,314 |
| Average total loans | $63,458,000 | 4,159 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1080% | 108 |
| Cost of funding earning assets | 1.0180% | 154 |
| Net interest margin | 5.0900% | 192 |
| Noninterest income to average assets | 0.3712% | 3,879 |
| Noninterest expense to average assets | 2.6830% | 3,203 |
| Loan and lease loss provision to assets | 0.2651% | 554 |
| Net operating income to assets | 1.5324% | 765 |
| Return on assets (ROA) | 1.5324% | 789 |
| Pretax return on assets | 2.1687% | 370 |
| Return on Equity (ROE) | 10.4135% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.4135% | 727 |
| Net charge-offs to loans | 0.1982% | 868 |
| Credit loss provision to net charge-offs | 161.2903% | 1,161 |
| Earnings coverage of net charge-offs (x) | 14.8065% | 1,707 |
| Efficiency ratio | 52.4352% | 5,245 |
| Assets per employee ($millions) | 4.1754% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 5,162 |
| Loan loss allowance to noncurrent loans | 23.4177% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.9485% | 351 |
| Noncurrent loans to loans | 3.2619% | 389 |
| Net loans and leases to total assets | 83.1446% | 448 |
| Net loans and leases to deposits | 98.1035% | 764 |
| Net loans and leases to core deposits | 109.2713% | 914 |
| Total domestic deposits to total assets | 84.7519% | 3,189 |
| Equity capital to assets | 14.9740% | 660 |
| Core capital (leverage) ratio | 15.1210% | 584 |
| Tier 1 risk-based capital ratio | 21.6251% | 1,128 |
| Total risk-based capital ratio | 22.5476% | 1,159 |
| Memoranda: | ||
| Average total assets | $75,437,000 | 4,807 |
| Average earning assets | $70,334,500 | 4,783 |
| Average equity | $11,101,000 | 4,368 |
| Average total loans | $62,547,500 | 4,221 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2305% | 94 |
| Cost of funding earning assets | 1.0004% | 173 |
| Net interest margin | 5.2301% | 162 |
| Noninterest income to average assets | 0.2129% | 5,143 |
| Noninterest expense to average assets | 2.9335% | 2,551 |
| Loan and lease loss provision to assets | 0.2953% | 643 |
| Net operating income to assets | 1.2411% | 1,375 |
| Return on assets (ROA) | 1.2785% | 1,343 |
| Pretax return on assets | 1.9224% | 593 |
| Return on Equity (ROE) | 8.8850% | 2,477 |
| Retained earnings to average equity (ytd only) | 6.7585% | 1,328 |
| Net charge-offs to loans | 0.3672% | 740 |
| Credit loss provision to net charge-offs | 97.7974% | 2,647 |
| Earnings coverage of net charge-offs (x) | 7.1586% | 3,064 |
| Efficiency ratio | 57.5718% | 4,899 |
| Assets per employee ($millions) | 4.2065% | 3,611 |
| Cash dividends to net income (ytd only)* | 23.9334% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 5,247 |
| Loan loss allowance to noncurrent loans | 26.0845% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 2.5080% | 474 |
| Noncurrent loans to loans | 2.8571% | 498 |
| Net loans and leases to total assets | 81.4375% | 681 |
| Net loans and leases to deposits | 95.3104% | 1,064 |
| Net loans and leases to core deposits | 108.3519% | 1,000 |
| Total domestic deposits to total assets | 85.4445% | 2,861 |
| Equity capital to assets | 14.4591% | 745 |
| Core capital (leverage) ratio | 14.5346% | 691 |
| Tier 1 risk-based capital ratio | 21.9543% | 1,091 |
| Total risk-based capital ratio | 22.8801% | 1,109 |
| Memoranda: | ||
| Average total assets | $75,166,800 | 4,828 |
| Average earning assets | $70,171,000 | 4,805 |
| Average equity | $10,816,000 | 4,451 |
| Average total loans | $61,823,000 | 4,234 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1918% | 97 |
| Cost of funding earning assets | 0.9851% | 183 |
| Net interest margin | 5.2066% | 168 |
| Noninterest income to average assets | 0.2115% | 5,201 |
| Noninterest expense to average assets | 2.4594% | 4,110 |
| Loan and lease loss provision to assets | 0.3536% | 451 |
| Net operating income to assets | 1.6532% | 655 |
| Return on assets (ROA) | 1.7077% | 620 |
| Pretax return on assets | 2.3475% | 282 |
| Return on Equity (ROE) | 11.8826% | 1,368 |
| Retained earnings to average equity (ytd only) | 11.8826% | 319 |
| Net charge-offs to loans | 0.3995% | 541 |
| Credit loss provision to net charge-offs | 107.5676% | 2,249 |
| Earnings coverage of net charge-offs (x) | 7.9892% | 2,819 |
| Efficiency ratio | 48.3578% | 5,580 |
| Assets per employee ($millions) | 4.1872% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 5,280 |
| Loan loss allowance to noncurrent loans | 28.1050% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 2.4665% | 556 |
| Noncurrent loans to loans | 2.7293% | 600 |
| Net loans and leases to total assets | 82.7305% | 539 |
| Net loans and leases to deposits | 97.4342% | 905 |
| Net loans and leases to core deposits | 107.8864% | 1,063 |
| Total domestic deposits to total assets | 84.9091% | 2,845 |
| Equity capital to assets | 14.8826% | 766 |
| Core capital (leverage) ratio | 15.0827% | 613 |
| Tier 1 risk-based capital ratio | 22.2007% | 1,110 |
| Total risk-based capital ratio | 23.1551% | 1,127 |
| Memoranda: | ||
| Average total assets | $75,029,250 | 4,868 |
| Average earning assets | $70,242,000 | 4,841 |
| Average equity | $10,783,000 | 4,499 |
| Average total loans | $61,747,500 | 4,267 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0966% | 116 |
| Cost of funding earning assets | 0.9616% | 207 |
| Net interest margin | 5.1351% | 195 |
| Noninterest income to average assets | 0.1308% | 5,665 |
| Noninterest expense to average assets | 2.4321% | 4,225 |
| Loan and lease loss provision to assets | 0.2750% | 674 |
| Net operating income to assets | 1.6468% | 648 |
| Return on assets (ROA) | 1.6525% | 684 |
| Pretax return on assets | 2.2932% | 309 |
| Return on Equity (ROE) | 11.6372% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.6372% | 373 |
| Net charge-offs to loans | 0.3095% | 768 |
| Credit loss provision to net charge-offs | 108.4211% | 1,986 |
| Earnings coverage of net charge-offs (x) | 10.0947% | 2,358 |
| Efficiency ratio | 48.7166% | 5,638 |
| Assets per employee ($millions) | 4.0979% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 5,398 |
| Loan loss allowance to noncurrent loans | 28.2234% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.5568% | 533 |
| Noncurrent loans to loans | 2.6662% | 621 |
| Net loans and leases to total assets | 84.9328% | 338 |
| Net loans and leases to deposits | 99.9489% | 698 |
| Net loans and leases to core deposits | 115.9608% | 638 |
| Total domestic deposits to total assets | 84.9762% | 2,893 |
| Equity capital to assets | 14.8326% | 776 |
| Core capital (leverage) ratio | 14.6615% | 677 |
| Tier 1 risk-based capital ratio | 21.4431% | 1,204 |
| Total risk-based capital ratio | 22.3803% | 1,233 |
| Memoranda: | ||
| Average total assets | $74,915,670 | 4,914 |
| Average earning assets | $70,924,330 | 4,861 |
| Average equity | $10,638,330 | 4,543 |
| Average total loans | $61,384,670 | 4,299 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9956% | 122 |
| Cost of funding earning assets | 0.9496% | 225 |
| Net interest margin | 5.0460% | 228 |
| Noninterest income to average assets | 0.2066% | 5,257 |
| Noninterest expense to average assets | 2.2996% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0332% | 313 |
| Return on assets (ROA) | 2.0452% | 321 |
| Pretax return on assets | 2.6811% | 180 |
| Return on Equity (ROE) | 14.7230% | 714 |
| Retained earnings to average equity (ytd only) | 14.7230% | 268 |
| Net charge-offs to loans | 0.2644% | 792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.5750% | 1,781 |
| Efficiency ratio | 46.3180% | 5,797 |
| Assets per employee ($millions) | 4.0743% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 5,601 |
| Loan loss allowance to noncurrent loans | 28.3632% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.1871% | 762 |
| Noncurrent loans to loans | 2.4530% | 778 |
| Net loans and leases to total assets | 83.2979% | 430 |
| Net loans and leases to deposits | 97.8520% | 768 |
| Net loans and leases to core deposits | 109.9831% | 854 |
| Total domestic deposits to total assets | 85.1264% | 3,077 |
| Equity capital to assets | 14.5777% | 814 |
| Core capital (leverage) ratio | 14.1732% | 771 |
| Tier 1 risk-based capital ratio | 21.3236% | 1,255 |
| Total risk-based capital ratio | 22.1817% | 1,300 |
| Memoranda: | ||
| Average total assets | $75,492,000 | 4,946 |
| Average earning assets | $71,185,500 | 4,896 |
| Average equity | $10,487,000 | 4,584 |
| Average total loans | $60,515,000 | 4,352 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0804% | 118 |
| Cost of funding earning assets | 0.9643% | 205 |
| Net interest margin | 5.1161% | 207 |
| Noninterest income to average assets | 0.3322% | 4,523 |
| Noninterest expense to average assets | 3.0134% | 2,495 |
| Loan and lease loss provision to assets | 0.1898% | 1,169 |
| Net operating income to assets | 1.2841% | 1,306 |
| Return on assets (ROA) | 1.2897% | 1,340 |
| Pretax return on assets | 1.9359% | 619 |
| Return on Equity (ROE) | 9.1171% | 2,402 |
| Retained earnings to average equity (ytd only) | 6.8477% | 1,349 |
| Net charge-offs to loans | 0.2216% | 1,333 |
| Credit loss provision to net charge-offs | 107.0866% | 2,353 |
| Earnings coverage of net charge-offs (x) | 11.9449% | 2,513 |
| Efficiency ratio | 58.7323% | 5,061 |
| Assets per employee ($millions) | 4.5674% | 2,929 |
| Cash dividends to net income (ytd only)* | 24.8918% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 5,447 |
| Loan loss allowance to noncurrent loans | 31.7503% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 2.2293% | 753 |
| Noncurrent loans to loans | 2.4768% | 747 |
| Net loans and leases to total assets | 76.0438% | 1,412 |
| Net loans and leases to deposits | 87.8463% | 1,893 |
| Net loans and leases to core deposits | 98.8466% | 1,605 |
| Total domestic deposits to total assets | 86.5647% | 2,345 |
| Equity capital to assets | 13.2434% | 1,236 |
| Core capital (leverage) ratio | 13.8004% | 877 |
| Tier 1 risk-based capital ratio | 20.7523% | 1,339 |
| Total risk-based capital ratio | 21.6999% | 1,373 |
| Memoranda: | ||
| Average total assets | $71,646,200 | 5,051 |
| Average earning assets | $67,199,600 | 5,007 |
| Average equity | $10,134,800 | 4,638 |
| Average total loans | $57,311,800 | 4,451 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1362% | 114 |
| Cost of funding earning assets | 0.9677% | 205 |
| Net interest margin | 5.1685% | 190 |
| Noninterest income to average assets | 0.3440% | 4,470 |
| Noninterest expense to average assets | 2.5698% | 3,981 |
| Loan and lease loss provision to assets | 0.2224% | 836 |
| Net operating income to assets | 1.8936% | 431 |
| Return on assets (ROA) | 1.9026% | 443 |
| Pretax return on assets | 2.4158% | 276 |
| Return on Equity (ROE) | 13.2171% | 1,078 |
| Retained earnings to average equity (ytd only) | 13.2171% | 265 |
| Net charge-offs to loans | 0.2537% | 1,036 |
| Credit loss provision to net charge-offs | 108.3333% | 2,133 |
| Earnings coverage of net charge-offs (x) | 12.7960% | 2,374 |
| Efficiency ratio | 49.4514% | 5,806 |
| Assets per employee ($millions) | 4.1635% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 5,534 |
| Loan loss allowance to noncurrent loans | 35.4277% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 1.9398% | 1,071 |
| Noncurrent loans to loans | 2.2359% | 975 |
| Net loans and leases to total assets | 82.8101% | 495 |
| Net loans and leases to deposits | 97.5372% | 859 |
| Net loans and leases to core deposits | 108.4562% | 958 |
| Total domestic deposits to total assets | 84.9011% | 3,056 |
| Equity capital to assets | 14.9859% | 740 |
| Core capital (leverage) ratio | 14.9000% | 654 |
| Tier 1 risk-based capital ratio | 20.8545% | 1,370 |
| Total risk-based capital ratio | 21.7789% | 1,397 |
| Memoranda: | ||
| Average total assets | $70,146,250 | 5,156 |
| Average earning assets | $65,859,250 | 5,104 |
| Average equity | $10,097,750 | 4,700 |
| Average total loans | $56,761,500 | 4,513 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0224% | 130 |
| Cost of funding earning assets | 0.9538% | 214 |
| Net interest margin | 5.0686% | 221 |
| Noninterest income to average assets | 0.3375% | 4,539 |
| Noninterest expense to average assets | 2.5195% | 4,180 |
| Loan and lease loss provision to assets | 0.2688% | 614 |
| Net operating income to assets | 1.7759% | 539 |
| Return on assets (ROA) | 1.7759% | 566 |
| Pretax return on assets | 2.2907% | 344 |
| Return on Equity (ROE) | 12.5101% | 1,222 |
| Retained earnings to average equity (ytd only) | 12.5101% | 351 |
| Net charge-offs to loans | 0.2572% | 1,008 |
| Credit loss provision to net charge-offs | 130.5556% | 1,690 |
| Earnings coverage of net charge-offs (x) | 12.4306% | 2,203 |
| Efficiency ratio | 49.6059% | 5,870 |
| Assets per employee ($millions) | 4.1494% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 5,485 |
| Loan loss allowance to noncurrent loans | 36.5152% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 1.9634% | 1,131 |
| Noncurrent loans to loans | 2.3131% | 1,013 |
| Net loans and leases to total assets | 80.2155% | 772 |
| Net loans and leases to deposits | 93.9543% | 1,155 |
| Net loans and leases to core deposits | 103.7059% | 1,207 |
| Total domestic deposits to total assets | 85.3771% | 2,979 |
| Equity capital to assets | 14.5010% | 816 |
| Core capital (leverage) ratio | 14.4273% | 729 |
| Tier 1 risk-based capital ratio | 20.6984% | 1,423 |
| Total risk-based capital ratio | 21.6786% | 1,437 |
| Memoranda: | ||
| Average total assets | $69,935,000 | 5,218 |
| Average earning assets | $65,422,670 | 5,167 |
| Average equity | $9,928,000 | 4,765 |
| Average total loans | $55,988,330 | 4,587 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9718% | 131 |
| Cost of funding earning assets | 0.9333% | 243 |
| Net interest margin | 5.0385% | 235 |
| Noninterest income to average assets | 0.3045% | 4,749 |
| Noninterest expense to average assets | 2.3725% | 4,677 |
| Loan and lease loss provision to assets | 0.3274% | 416 |
| Net operating income to assets | 1.8325% | 458 |
| Return on assets (ROA) | 1.8325% | 485 |
| Pretax return on assets | 2.3495% | 298 |
| Return on Equity (ROE) | 13.0504% | 1,076 |
| Retained earnings to average equity (ytd only) | 13.0504% | 439 |
| Net charge-offs to loans | 0.5266% | 476 |
| Credit loss provision to net charge-offs | 78.0822% | 1,846 |
| Earnings coverage of net charge-offs (x) | 6.3836% | 2,298 |
| Efficiency ratio | 46.9852% | 6,065 |
| Assets per employee ($millions) | 4.1409% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 5,723 |
| Loan loss allowance to noncurrent loans | 55.5834% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 2,100 |
| Noncurrent loans to loans | 1.4171% | 2,027 |
| Net loans and leases to total assets | 79.2630% | 769 |
| Net loans and leases to deposits | 92.6123% | 1,121 |
| Net loans and leases to core deposits | 102.2728% | 1,160 |
| Total domestic deposits to total assets | 85.5858% | 3,138 |
| Equity capital to assets | 14.1414% | 938 |
| Core capital (leverage) ratio | 14.0453% | 811 |
| Tier 1 risk-based capital ratio | 20.7838% | 1,461 |
| Total risk-based capital ratio | 21.7162% | 1,498 |
| Memoranda: | ||
| Average total assets | $69,632,500 | 5,270 |
| Average earning assets | $65,575,000 | 5,213 |
| Average equity | $9,777,500 | 4,830 |
| Average total loans | $55,449,500 | 4,627 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0984% | 136 |
| Cost of funding earning assets | 0.9361% | 315 |
| Net interest margin | 5.1623% | 222 |
| Noninterest income to average assets | 0.3189% | 4,834 |
| Noninterest expense to average assets | 3.2058% | 2,201 |
| Loan and lease loss provision to assets | 0.1408% | 1,885 |
| Net operating income to assets | 1.3046% | 1,296 |
| Return on assets (ROA) | 1.3596% | 1,210 |
| Pretax return on assets | 1.8956% | 652 |
| Return on Equity (ROE) | 9.6462% | 2,277 |
| Retained earnings to average equity (ytd only) | 7.4153% | 1,223 |
| Net charge-offs to loans | 0.2640% | 1,637 |
| Credit loss provision to net charge-offs | 69.1176% | 3,098 |
| Earnings coverage of net charge-offs (x) | 9.6250% | 2,720 |
| Efficiency ratio | 62.0580% | 4,907 |
| Assets per employee ($millions) | 4.0511% | 3,831 |
| Cash dividends to net income (ytd only)* | 23.1278% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 5,658 |
| Loan loss allowance to noncurrent loans | 55.2885% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 1,991 |
| Noncurrent loans to loans | 1.5222% | 1,927 |
| Net loans and leases to total assets | 78.6972% | 919 |
| Net loans and leases to deposits | 91.6823% | 1,321 |
| Net loans and leases to core deposits | 101.7898% | 1,260 |
| Total domestic deposits to total assets | 85.8369% | 2,922 |
| Equity capital to assets | 14.0252% | 945 |
| Core capital (leverage) ratio | 13.8663% | 846 |
| Tier 1 risk-based capital ratio | 20.9281% | 1,420 |
| Total risk-based capital ratio | 21.9293% | 1,442 |
| Memoranda: | ||
| Average total assets | $66,784,800 | 5,378 |
| Average earning assets | $62,704,800 | 5,320 |
| Average equity | $9,413,000 | 4,884 |
| Average total loans | $51,518,200 | 4,767 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0806% | 142 |
| Cost of funding earning assets | 0.9435% | 314 |
| Net interest margin | 5.1370% | 227 |
| Noninterest income to average assets | 0.3058% | 4,993 |
| Noninterest expense to average assets | 2.7928% | 3,491 |
| Loan and lease loss provision to assets | 0.1891% | 1,290 |
| Net operating income to assets | 1.6363% | 692 |
| Return on assets (ROA) | 1.7143% | 623 |
| Pretax return on assets | 2.2576% | 329 |
| Return on Equity (ROE) | 12.1475% | 1,440 |
| Retained earnings to average equity (ytd only) | 12.1475% | 404 |
| Net charge-offs to loans | 0.1918% | 1,932 |
| Credit loss provision to net charge-offs | 128.7671% | 1,792 |
| Earnings coverage of net charge-offs (x) | 15.9590% | 2,019 |
| Efficiency ratio | 54.3674% | 5,790 |
| Assets per employee ($millions) | 3.9139% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 5,289 |
| Loan loss allowance to noncurrent loans | 84.3548% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 2,898 |
| Noncurrent loans to loans | 1.1632% | 2,736 |
| Net loans and leases to total assets | 79.3228% | 797 |
| Net loans and leases to deposits | 93.1717% | 1,108 |
| Net loans and leases to core deposits | 102.3940% | 1,193 |
| Total domestic deposits to total assets | 85.1361% | 3,286 |
| Equity capital to assets | 14.7332% | 798 |
| Core capital (leverage) ratio | 14.7476% | 665 |
| Tier 1 risk-based capital ratio | 21.7857% | 1,294 |
| Total risk-based capital ratio | 22.9519% | 1,287 |
| Memoranda: | ||
| Average total assets | $66,263,750 | 5,445 |
| Average earning assets | $62,317,000 | 5,395 |
| Average equity | $9,351,500 | 4,936 |
| Average total loans | $50,733,250 | 4,841 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9861% | 154 |
| Cost of funding earning assets | 0.9469% | 322 |
| Net interest margin | 5.0392% | 264 |
| Noninterest income to average assets | 0.2629% | 5,321 |
| Noninterest expense to average assets | 2.8078% | 3,473 |
| Loan and lease loss provision to assets | 0.1421% | 1,742 |
| Net operating income to assets | 1.5142% | 847 |
| Return on assets (ROA) | 1.5142% | 886 |
| Pretax return on assets | 2.0583% | 479 |
| Return on Equity (ROE) | 10.8901% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.8901% | 551 |
| Net charge-offs to loans | 0.2125% | 1,755 |
| Credit loss provision to net charge-offs | 88.6792% | 2,204 |
| Earnings coverage of net charge-offs (x) | 13.7358% | 1,956 |
| Efficiency ratio | 56.0652% | 5,745 |
| Assets per employee ($millions) | 3.8614% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 5,482 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 3,088 |
| Noncurrent loans to loans | 1.0587% | 3,113 |
| Net loans and leases to total assets | 76.9450% | 1,057 |
| Net loans and leases to deposits | 90.0531% | 1,367 |
| Net loans and leases to core deposits | 98.9965% | 1,371 |
| Total domestic deposits to total assets | 85.4440% | 3,312 |
| Equity capital to assets | 14.4463% | 834 |
| Core capital (leverage) ratio | 14.1637% | 784 |
| Tier 1 risk-based capital ratio | 21.7218% | 1,304 |
| Total risk-based capital ratio | 22.8633% | 1,303 |
| Memoranda: | ||
| Average total assets | $66,172,670 | 5,499 |
| Average earning assets | $62,311,330 | 5,447 |
| Average equity | $9,201,000 | 4,981 |
| Average total loans | $49,877,000 | 4,903 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8409% | 179 |
| Cost of funding earning assets | 0.9564% | 327 |
| Net interest margin | 4.8845% | 329 |
| Noninterest income to average assets | 0.3793% | 4,353 |
| Noninterest expense to average assets | 2.6009% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8183% | 469 |
| Return on assets (ROA) | 1.8183% | 489 |
| Pretax return on assets | 2.3601% | 278 |
| Return on Equity (ROE) | 13.3333% | 1,076 |
| Retained earnings to average equity (ytd only) | 13.3333% | 450 |
| Net charge-offs to loans | 0.2190% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.5185% | 1,600 |
| Efficiency ratio | 52.4272% | 6,110 |
| Assets per employee ($millions) | 3.9498% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,670 |
| Loan loss allowance to noncurrent loans | 64.6259% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 2,954 |
| Noncurrent loans to loans | 1.4826% | 2,567 |
| Net loans and leases to total assets | 73.1227% | 1,411 |
| Net loans and leases to deposits | 84.9846% | 1,727 |
| Net loans and leases to core deposits | 93.0434% | 1,637 |
| Total domestic deposits to total assets | 86.0424% | 3,343 |
| Equity capital to assets | 13.7581% | 1,009 |
| Core capital (leverage) ratio | 13.8532% | 867 |
| Tier 1 risk-based capital ratio | 21.5387% | 1,366 |
| Total risk-based capital ratio | 22.6485% | 1,375 |
| Memoranda: | ||
| Average total assets | $66,437,500 | 5,551 |
| Average earning assets | $62,319,500 | 5,491 |
| Average equity | $9,060,000 | 5,033 |
| Average total loans | $49,313,500 | 4,956 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1350% | 142 |
| Cost of funding earning assets | 1.1167% | 261 |
| Net interest margin | 5.0183% | 300 |
| Noninterest income to average assets | 0.3121% | 5,109 |
| Noninterest expense to average assets | 3.0357% | 2,946 |
| Loan and lease loss provision to assets | 0.1180% | 2,841 |
| Net operating income to assets | 1.2562% | 1,374 |
| Return on assets (ROA) | 1.2562% | 1,429 |
| Pretax return on assets | 1.8758% | 636 |
| Return on Equity (ROE) | 9.1955% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.9449% | 1,456 |
| Net charge-offs to loans | 0.2070% | 2,804 |
| Credit loss provision to net charge-offs | 76.7677% | 3,122 |
| Earnings coverage of net charge-offs (x) | 12.9697% | 2,076 |
| Efficiency ratio | 60.3581% | 5,422 |
| Assets per employee ($millions) | 3.8664% | 4,121 |
| Cash dividends to net income (ytd only)* | 24.4747% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 5,457 |
| Loan loss allowance to noncurrent loans | 62.9397% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.3890% | 2,663 |
| Noncurrent loans to loans | 1.6227% | 2,467 |
| Net loans and leases to total assets | 73.8669% | 1,369 |
| Net loans and leases to deposits | 85.5271% | 1,746 |
| Net loans and leases to core deposits | 94.1368% | 1,593 |
| Total domestic deposits to total assets | 86.3667% | 3,065 |
| Equity capital to assets | 13.5131% | 1,062 |
| Core capital (leverage) ratio | 13.6196% | 924 |
| Tier 1 risk-based capital ratio | 20.8141% | 1,461 |
| Total risk-based capital ratio | 21.9834% | 1,454 |
| Memoranda: | ||
| Average total assets | $64,400,200 | 5,641 |
| Average earning assets | $60,538,000 | 5,575 |
| Average equity | $8,797,800 | 5,144 |
| Average total loans | $47,817,000 | 5,034 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1715% | 134 |
| Cost of funding earning assets | 1.1434% | 249 |
| Net interest margin | 5.0280% | 302 |
| Noninterest income to average assets | 0.2851% | 5,408 |
| Noninterest expense to average assets | 2.6325% | 4,267 |
| Loan and lease loss provision to assets | 0.1582% | 2,286 |
| Net operating income to assets | 1.6544% | 674 |
| Return on assets (ROA) | 1.6544% | 708 |
| Pretax return on assets | 2.2163% | 370 |
| Return on Equity (ROE) | 12.0770% | 1,450 |
| Retained earnings to average equity (ytd only) | 12.0770% | 410 |
| Net charge-offs to loans | 0.2470% | 2,329 |
| Credit loss provision to net charge-offs | 86.3636% | 2,703 |
| Earnings coverage of net charge-offs (x) | 12.9660% | 2,078 |
| Efficiency ratio | 52.5769% | 6,218 |
| Assets per employee ($millions) | 3.7576% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 5,462 |
| Loan loss allowance to noncurrent loans | 124.8780% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 4,047 |
| Noncurrent loans to loans | 0.8533% | 4,115 |
| Net loans and leases to total assets | 74.4157% | 1,231 |
| Net loans and leases to deposits | 86.9238% | 1,501 |
| Net loans and leases to core deposits | 94.5689% | 1,517 |
| Total domestic deposits to total assets | 85.6103% | 3,444 |
| Equity capital to assets | 14.2613% | 892 |
| Core capital (leverage) ratio | 14.2985% | 788 |
| Tier 1 risk-based capital ratio | 21.9355% | 1,330 |
| Total risk-based capital ratio | 23.1690% | 1,316 |
| Memoranda: | ||
| Average total assets | $64,068,000 | 5,705 |
| Average earning assets | $60,168,000 | 5,647 |
| Average equity | $8,776,750 | 5,195 |
| Average total loans | $47,508,000 | 5,091 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0865% | 156 |
| Cost of funding earning assets | 1.1676% | 240 |
| Net interest margin | 4.9190% | 353 |
| Noninterest income to average assets | 0.3275% | 5,075 |
| Noninterest expense to average assets | 2.6820% | 4,100 |
| Loan and lease loss provision to assets | 0.1435% | 2,539 |
| Net operating income to assets | 1.5655% | 796 |
| Return on assets (ROA) | 1.5655% | 866 |
| Pretax return on assets | 2.1269% | 481 |
| Return on Equity (ROE) | 11.5859% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.5859% | 550 |
| Net charge-offs to loans | 0.1775% | 2,694 |
| Credit loss provision to net charge-offs | 109.5238% | 2,019 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,611 |
| Efficiency ratio | 54.1562% | 6,138 |
| Assets per employee ($millions) | 3.7503% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,524 |
| Loan loss allowance to noncurrent loans | 95.4792% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 3,723 |
| Noncurrent loans to loans | 1.1306% | 3,672 |
| Net loans and leases to total assets | 75.8921% | 998 |
| Net loans and leases to deposits | 88.1571% | 1,326 |
| Net loans and leases to core deposits | 96.0115% | 1,355 |
| Total domestic deposits to total assets | 86.0874% | 3,314 |
| Equity capital to assets | 13.8201% | 1,019 |
| Core capital (leverage) ratio | 13.5812% | 947 |
| Tier 1 risk-based capital ratio | 21.1522% | 1,461 |
| Total risk-based capital ratio | 22.4028% | 1,431 |
| Memoranda: | ||
| Average total assets | $64,131,000 | 5,745 |
| Average earning assets | $60,297,000 | 5,685 |
| Average equity | $8,665,670 | 5,256 |
| Average total loans | $47,328,000 | 5,126 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9670% | 181 |
| Cost of funding earning assets | 1.1788% | 249 |
| Net interest margin | 4.7882% | 412 |
| Noninterest income to average assets | 0.3607% | 4,782 |
| Noninterest expense to average assets | 2.5436% | 4,601 |
| Loan and lease loss provision to assets | 0.0560% | 3,705 |
| Net operating income to assets | 1.6978% | 588 |
| Return on assets (ROA) | 1.6978% | 649 |
| Pretax return on assets | 2.2575% | 376 |
| Return on Equity (ROE) | 12.7080% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.7080% | 594 |
| Net charge-offs to loans | 0.1375% | 2,581 |
| Credit loss provision to net charge-offs | 56.2500% | 2,502 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,110 |
| Efficiency ratio | 52.3688% | 6,355 |
| Assets per employee ($millions) | 3.8029% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,595 |
| Loan loss allowance to noncurrent loans | 127.3399% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 4,150 |
| Noncurrent loans to loans | 0.8668% | 4,393 |
| Net loans and leases to total assets | 71.6520% | 1,408 |
| Net loans and leases to deposits | 83.0727% | 1,701 |
| Net loans and leases to core deposits | 91.2032% | 1,589 |
| Total domestic deposits to total assets | 86.2521% | 3,385 |
| Equity capital to assets | 13.4880% | 1,217 |
| Core capital (leverage) ratio | 13.2772% | 1,019 |
| Tier 1 risk-based capital ratio | 21.3677% | 1,456 |
| Total risk-based capital ratio | 22.6179% | 1,432 |
| Memoranda: | ||
| Average total assets | $64,319,000 | 5,794 |
| Average earning assets | $60,399,000 | 5,736 |
| Average equity | $8,593,000 | 5,334 |
| Average total loans | $46,535,500 | 5,194 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2603% | 180 |
| Cost of funding earning assets | 1.3482% | 309 |
| Net interest margin | 4.9121% | 440 |
| Noninterest income to average assets | 0.4851% | 4,002 |
| Noninterest expense to average assets | 3.0041% | 3,256 |
| Loan and lease loss provision to assets | 0.2671% | 2,509 |
| Net operating income to assets | 1.1915% | 1,632 |
| Return on assets (ROA) | 1.1915% | 1,795 |
| Pretax return on assets | 1.7683% | 978 |
| Return on Equity (ROE) | 8.9336% | 2,673 |
| Retained earnings to average equity (ytd only) | 6.8365% | 1,653 |
| Net charge-offs to loans | 0.3799% | 2,733 |
| Credit loss provision to net charge-offs | 98.8304% | 3,137 |
| Earnings coverage of net charge-offs (x) | 7.5322% | 2,581 |
| Efficiency ratio | 59.6112% | 5,598 |
| Assets per employee ($millions) | 3.7640% | 4,436 |
| Cash dividends to net income (ytd only)* | 23.4748% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 5,426 |
| Loan loss allowance to noncurrent loans | 132.6582% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 4,275 |
| Noncurrent loans to loans | 0.8544% | 4,472 |
| Net loans and leases to total assets | 71.4306% | 1,584 |
| Net loans and leases to deposits | 82.5185% | 1,932 |
| Net loans and leases to core deposits | 88.7359% | 2,003 |
| Total domestic deposits to total assets | 86.5631% | 3,068 |
| Equity capital to assets | 13.2306% | 1,341 |
| Core capital (leverage) ratio | 12.7767% | 1,207 |
| Tier 1 risk-based capital ratio | 20.8453% | 1,489 |
| Total risk-based capital ratio | 22.0951% | 1,463 |
| Memoranda: | ||
| Average total assets | $63,281,200 | 5,849 |
| Average earning assets | $58,671,200 | 5,791 |
| Average equity | $8,440,000 | 5,374 |
| Average total loans | $45,006,000 | 5,282 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2771% | 185 |
| Cost of funding earning assets | 1.3903% | 305 |
| Net interest margin | 4.8868% | 488 |
| Noninterest income to average assets | 0.5684% | 3,485 |
| Noninterest expense to average assets | 2.6326% | 4,628 |
| Loan and lease loss provision to assets | 0.3444% | 1,903 |
| Net operating income to assets | 1.5360% | 965 |
| Return on assets (ROA) | 1.5360% | 1,071 |
| Pretax return on assets | 2.1065% | 564 |
| Return on Equity (ROE) | 11.4936% | 1,795 |
| Retained earnings to average equity (ytd only) | 11.4936% | 614 |
| Net charge-offs to loans | 0.4385% | 2,346 |
| Credit loss provision to net charge-offs | 110.8844% | 2,643 |
| Earnings coverage of net charge-offs (x) | 7.8910% | 2,534 |
| Efficiency ratio | 51.7872% | 6,469 |
| Assets per employee ($millions) | 3.7135% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 5,419 |
| Loan loss allowance to noncurrent loans | 68.8691% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 3,416 |
| Noncurrent loans to loans | 1.7018% | 3,230 |
| Net loans and leases to total assets | 72.3962% | 1,483 |
| Net loans and leases to deposits | 84.0778% | 1,865 |
| Net loans and leases to core deposits | 89.6630% | 2,027 |
| Total domestic deposits to total assets | 86.1062% | 3,193 |
| Equity capital to assets | 13.6498% | 1,287 |
| Core capital (leverage) ratio | 13.5612% | 992 |
| Tier 1 risk-based capital ratio | 21.1624% | 1,487 |
| Total risk-based capital ratio | 22.4138% | 1,457 |
| Memoranda: | ||
| Average total assets | $63,104,500 | 5,911 |
| Average earning assets | $58,305,500 | 5,868 |
| Average equity | $8,433,500 | 5,429 |
| Average total loans | $44,699,750 | 5,360 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1523% | 240 |
| Cost of funding earning assets | 1.4214% | 321 |
| Net interest margin | 4.7310% | 632 |
| Noninterest income to average assets | 0.5484% | 3,588 |
| Noninterest expense to average assets | 2.6499% | 4,606 |
| Loan and lease loss provision to assets | 0.2663% | 2,453 |
| Net operating income to assets | 1.4296% | 1,130 |
| Return on assets (ROA) | 1.4296% | 1,263 |
| Pretax return on assets | 2.0001% | 697 |
| Return on Equity (ROE) | 10.7736% | 2,069 |
| Retained earnings to average equity (ytd only) | 10.7736% | 790 |
| Net charge-offs to loans | 0.6563% | 1,686 |
| Credit loss provision to net charge-offs | 57.9310% | 3,856 |
| Earnings coverage of net charge-offs (x) | 4.9310% | 2,955 |
| Efficiency ratio | 53.9007% | 6,324 |
| Assets per employee ($millions) | 3.6948% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 6,049 |
| Loan loss allowance to noncurrent loans | 54.1327% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.8022% | 3,034 |
| Noncurrent loans to loans | 1.8972% | 3,078 |
| Net loans and leases to total assets | 71.3446% | 1,672 |
| Net loans and leases to deposits | 82.4284% | 2,059 |
| Net loans and leases to core deposits | 87.8462% | 2,223 |
| Total domestic deposits to total assets | 86.5535% | 3,039 |
| Equity capital to assets | 13.2650% | 1,407 |
| Core capital (leverage) ratio | 12.8502% | 1,194 |
| Tier 1 risk-based capital ratio | 20.3635% | 1,621 |
| Total risk-based capital ratio | 21.5214% | 1,610 |
| Memoranda: | ||
| Average total assets | $63,096,330 | 5,941 |
| Average earning assets | $58,254,330 | 5,899 |
| Average equity | $8,372,330 | 5,452 |
| Average total loans | $44,184,670 | 5,420 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2171% | 227 |
| Cost of funding earning assets | 1.4560% | 341 |
| Net interest margin | 4.7612% | 614 |
| Noninterest income to average assets | 0.7148% | 2,583 |
| Noninterest expense to average assets | 2.2391% | 5,943 |
| Loan and lease loss provision to assets | 0.1708% | 3,262 |
| Net operating income to assets | 2.1000% | 354 |
| Return on assets (ROA) | 2.1000% | 406 |
| Pretax return on assets | 2.6693% | 266 |
| Return on Equity (ROE) | 15.8237% | 831 |
| Retained earnings to average equity (ytd only) | 15.8237% | 380 |
| Net charge-offs to loans | 1.2741% | 800 |
| Credit loss provision to net charge-offs | 19.4245% | 3,786 |
| Earnings coverage of net charge-offs (x) | 3.2302% | 2,910 |
| Efficiency ratio | 44.0847% | 6,988 |
| Assets per employee ($millions) | 3.7427% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,424 |
| Loan loss allowance to noncurrent loans | 47.2000% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 1.9127% | 3,030 |
| Noncurrent loans to loans | 2.0090% | 3,154 |
| Net loans and leases to total assets | 67.8056% | 2,149 |
| Net loans and leases to deposits | 78.1629% | 2,479 |
| Net loans and leases to core deposits | 83.2166% | 2,656 |
| Total domestic deposits to total assets | 86.7491% | 3,091 |
| Equity capital to assets | 13.0324% | 1,429 |
| Core capital (leverage) ratio | 12.8087% | 1,202 |
| Tier 1 risk-based capital ratio | 21.1750% | 1,455 |
| Total risk-based capital ratio | 22.2444% | 1,467 |
| Memoranda: | ||
| Average total assets | $63,238,500 | 5,977 |
| Average earning assets | $57,969,000 | 5,938 |
| Average equity | $8,392,500 | 5,470 |
| Average total loans | $43,638,000 | 5,485 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1908% | 311 |
| Cost of funding earning assets | 1.5711% | 533 |
| Net interest margin | 4.6197% | 884 |
| Noninterest income to average assets | 0.3678% | 4,879 |
| Noninterest expense to average assets | 3.0247% | 3,498 |
| Loan and lease loss provision to assets | 0.2904% | 3,342 |
| Net operating income to assets | 0.9324% | 2,473 |
| Return on assets (ROA) | 0.9324% | 2,595 |
| Pretax return on assets | 1.3551% | 1,929 |
| Return on Equity (ROE) | 6.9807% | 3,413 |
| Retained earnings to average equity (ytd only) | 5.3986% | 2,374 |
| Net charge-offs to loans | 0.4500% | 3,181 |
| Credit loss provision to net charge-offs | 90.4523% | 3,987 |
| Earnings coverage of net charge-offs (x) | 5.1256% | 2,892 |
| Efficiency ratio | 64.7668% | 4,993 |
| Assets per employee ($millions) | 3.6971% | 4,555 |
| Cash dividends to net income (ytd only)* | 22.6644% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 5,382 |
| Loan loss allowance to noncurrent loans | 50.0477% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.2529% | 2,671 |
| Noncurrent loans to loans | 2.3993% | 2,724 |
| Net loans and leases to total assets | 68.7276% | 2,267 |
| Net loans and leases to deposits | 79.5272% | 2,611 |
| Net loans and leases to core deposits | 84.0536% | 2,885 |
| Total domestic deposits to total assets | 86.4203% | 3,066 |
| Equity capital to assets | 13.5129% | 1,257 |
| Core capital (leverage) ratio | 13.1186% | 1,096 |
| Tier 1 risk-based capital ratio | 21.5515% | 1,312 |
| Total risk-based capital ratio | 22.8030% | 1,278 |
| Memoranda: | ||
| Average total assets | $61,988,600 | 5,981 |
| Average earning assets | $57,730,600 | 5,937 |
| Average equity | $8,280,000 | 5,479 |
| Average total loans | $44,225,400 | 5,504 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1850% | 335 |
| Cost of funding earning assets | 1.5826% | 628 |
| Net interest margin | 4.6024% | 941 |
| Noninterest income to average assets | 0.3540% | 5,026 |
| Noninterest expense to average assets | 2.7476% | 4,540 |
| Loan and lease loss provision to assets | 0.2827% | 3,258 |
| Net operating income to assets | 1.0468% | 2,151 |
| Return on assets (ROA) | 1.0468% | 2,300 |
| Pretax return on assets | 1.6296% | 1,307 |
| Return on Equity (ROE) | 7.8603% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.8603% | 1,559 |
| Net charge-offs to loans | 0.2285% | 4,010 |
| Credit loss provision to net charge-offs | 172.3684% | 1,741 |
| Earnings coverage of net charge-offs (x) | 11.6579% | 1,789 |
| Efficiency ratio | 58.9625% | 5,871 |
| Assets per employee ($millions) | 3.7244% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,693 |
| Loan loss allowance to noncurrent loans | 40.2145% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 2.6582% | 2,434 |
| Noncurrent loans to loans | 3.4019% | 2,029 |
| Net loans and leases to total assets | 68.3230% | 2,422 |
| Net loans and leases to deposits | 79.1011% | 2,796 |
| Net loans and leases to core deposits | 84.4207% | 2,999 |
| Total domestic deposits to total assets | 86.3743% | 2,998 |
| Equity capital to assets | 13.4994% | 1,370 |
| Core capital (leverage) ratio | 13.2753% | 1,118 |
| Tier 1 risk-based capital ratio | 22.0598% | 1,277 |
| Total risk-based capital ratio | 23.3149% | 1,254 |
| Memoranda: | ||
| Average total assets | $61,773,000 | 6,038 |
| Average earning assets | $57,794,250 | 5,986 |
| Average equity | $8,226,750 | 5,531 |
| Average total loans | $44,351,500 | 5,545 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1602% | 351 |
| Cost of funding earning assets | 1.5852% | 742 |
| Net interest margin | 4.5749% | 958 |
| Noninterest income to average assets | 0.3428% | 5,136 |
| Noninterest expense to average assets | 2.6347% | 5,061 |
| Loan and lease loss provision to assets | 0.1861% | 4,055 |
| Net operating income to assets | 1.2308% | 1,491 |
| Return on assets (ROA) | 1.2308% | 1,563 |
| Pretax return on assets | 1.8185% | 843 |
| Return on Equity (ROE) | 9.2857% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.2857% | 1,018 |
| Net charge-offs to loans | 0.1707% | 4,156 |
| Credit loss provision to net charge-offs | 150.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 16.1579% | 1,359 |
| Efficiency ratio | 56.7910% | 6,322 |
| Assets per employee ($millions) | 3.6860% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 5,146 |
| Loan loss allowance to noncurrent loans | 35.8779% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 2.5693% | 2,597 |
| Noncurrent loans to loans | 3.5695% | 1,983 |
| Net loans and leases to total assets | 69.3818% | 2,346 |
| Net loans and leases to deposits | 80.1859% | 2,756 |
| Net loans and leases to core deposits | 83.8949% | 3,230 |
| Total domestic deposits to total assets | 86.5261% | 3,025 |
| Equity capital to assets | 13.3638% | 1,354 |
| Core capital (leverage) ratio | 13.3180% | 1,056 |
| Tier 1 risk-based capital ratio | 21.7390% | 1,292 |
| Total risk-based capital ratio | 22.9920% | 1,267 |
| Memoranda: | ||
| Average total assets | $61,259,330 | 6,100 |
| Average earning assets | $57,531,000 | 6,042 |
| Average equity | $8,120,000 | 5,573 |
| Average total loans | $44,516,000 | 5,590 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1182% | 387 |
| Cost of funding earning assets | 1.5979% | 821 |
| Net interest margin | 4.5203% | 1,026 |
| Noninterest income to average assets | 0.2312% | 6,066 |
| Noninterest expense to average assets | 2.6355% | 5,095 |
| Loan and lease loss provision to assets | 0.2708% | 2,984 |
| Net operating income to assets | 0.9908% | 2,210 |
| Return on assets (ROA) | 0.9908% | 2,268 |
| Pretax return on assets | 1.5853% | 1,225 |
| Return on Equity (ROE) | 7.5066% | 3,144 |
| Retained earnings to average equity (ytd only) | 7.5066% | 1,936 |
| Net charge-offs to loans | 0.1788% | 3,422 |
| Credit loss provision to net charge-offs | 205.0000% | 1,448 |
| Earnings coverage of net charge-offs (x) | 14.0500% | 1,391 |
| Efficiency ratio | 58.6765% | 6,176 |
| Assets per employee ($millions) | 3.6061% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 5,268 |
| Loan loss allowance to noncurrent loans | 32.0658% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 3.0879% | 2,232 |
| Noncurrent loans to loans | 3.9768% | 1,832 |
| Net loans and leases to total assets | 71.3526% | 1,849 |
| Net loans and leases to deposits | 82.2759% | 2,313 |
| Net loans and leases to core deposits | 86.1385% | 2,854 |
| Total domestic deposits to total assets | 86.7235% | 3,110 |
| Equity capital to assets | 13.1770% | 1,308 |
| Core capital (leverage) ratio | 13.2675% | 1,038 |
| Tier 1 risk-based capital ratio | 21.2736% | 1,351 |
| Total risk-based capital ratio | 22.5263% | 1,323 |
| Memoranda: | ||
| Average total assets | $60,558,000 | 6,168 |
| Average earning assets | $57,075,500 | 6,100 |
| Average equity | $7,993,000 | 5,608 |
| Average total loans | $44,754,000 | 5,625 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3661% | 410 |
| Cost of funding earning assets | 1.6902% | 1,648 |
| Net interest margin | 4.6759% | 858 |
| Noninterest income to average assets | 0.3483% | 5,311 |
| Noninterest expense to average assets | 3.0547% | 3,649 |
| Loan and lease loss provision to assets | 0.4549% | 3,395 |
| Net operating income to assets | 0.8185% | 2,716 |
| Return on assets (ROA) | 0.8932% | 2,549 |
| Pretax return on assets | 1.3748% | 1,724 |
| Return on Equity (ROE) | 6.9572% | 3,143 |
| Retained earnings to average equity (ytd only) | 5.2569% | 2,274 |
| Net charge-offs to loans | 1.3897% | 1,605 |
| Credit loss provision to net charge-offs | 43.9614% | 6,337 |
| Earnings coverage of net charge-offs (x) | 1.6570% | 4,491 |
| Efficiency ratio | 64.0461% | 5,349 |
| Assets per employee ($millions) | 3.5184% | 4,896 |
| Cash dividends to net income (ytd only)* | 24.4403% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 5,500 |
| Loan loss allowance to noncurrent loans | 34.0639% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 2.9074% | 2,413 |
| Noncurrent loans to loans | 3.5331% | 2,136 |
| Net loans and leases to total assets | 74.6623% | 1,547 |
| Net loans and leases to deposits | 86.1323% | 2,068 |
| Net loans and leases to core deposits | 90.9622% | 2,625 |
| Total domestic deposits to total assets | 86.6833% | 2,988 |
| Equity capital to assets | 13.2214% | 1,291 |
| Core capital (leverage) ratio | 13.1993% | 1,061 |
| Tier 1 risk-based capital ratio | 20.1123% | 1,467 |
| Total risk-based capital ratio | 21.3572% | 1,434 |
| Memoranda: | ||
| Average total assets | $60,006,600 | 6,203 |
| Average earning assets | $56,737,800 | 6,108 |
| Average equity | $7,704,200 | 5,806 |
| Average total loans | $44,687,200 | 5,717 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3650% | 444 |
| Cost of funding earning assets | 1.6966% | 1,895 |
| Net interest margin | 4.6685% | 911 |
| Noninterest income to average assets | 0.3663% | 5,227 |
| Noninterest expense to average assets | 2.6997% | 4,880 |
| Loan and lease loss provision to assets | 0.5439% | 2,775 |
| Net operating income to assets | 0.9408% | 2,450 |
| Return on assets (ROA) | 0.9635% | 2,486 |
| Pretax return on assets | 1.5630% | 1,436 |
| Return on Equity (ROE) | 7.5608% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.5608% | 1,573 |
| Net charge-offs to loans | 1.4811% | 1,360 |
| Credit loss provision to net charge-offs | 49.4949% | 5,892 |
| Earnings coverage of net charge-offs (x) | 1.8849% | 4,296 |
| Efficiency ratio | 56.5845% | 6,478 |
| Assets per employee ($millions) | 3.5934% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 4,325 |
| Loan loss allowance to noncurrent loans | 39.8016% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 2.7960% | 2,595 |
| Noncurrent loans to loans | 3.5853% | 2,188 |
| Net loans and leases to total assets | 72.5965% | 2,100 |
| Net loans and leases to deposits | 83.7937% | 2,737 |
| Net loans and leases to core deposits | 87.9273% | 3,378 |
| Total domestic deposits to total assets | 86.6371% | 2,723 |
| Equity capital to assets | 13.0682% | 1,539 |
| Core capital (leverage) ratio | 13.0380% | 1,211 |
| Tier 1 risk-based capital ratio | 20.0076% | 1,551 |
| Total risk-based capital ratio | 21.2738% | 1,515 |
| Memoranda: | ||
| Average total assets | $60,055,250 | 6,269 |
| Average earning assets | $56,662,500 | 6,180 |
| Average equity | $7,653,250 | 5,896 |
| Average total loans | $44,558,750 | 5,805 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3990% | 413 |
| Cost of funding earning assets | 1.7231% | 1,998 |
| Net interest margin | 4.6759% | 852 |
| Noninterest income to average assets | 0.3416% | 5,418 |
| Noninterest expense to average assets | 2.6293% | 5,208 |
| Loan and lease loss provision to assets | 0.7369% | 1,964 |
| Net operating income to assets | 0.7729% | 3,097 |
| Return on assets (ROA) | 0.8072% | 3,083 |
| Pretax return on assets | 1.4101% | 1,812 |
| Return on Equity (ROE) | 6.3898% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.3898% | 2,124 |
| Net charge-offs to loans | 2.0128% | 904 |
| Credit loss provision to net charge-offs | 49.2170% | 5,436 |
| Earnings coverage of net charge-offs (x) | 1.3982% | 4,439 |
| Efficiency ratio | 55.6738% | 6,679 |
| Assets per employee ($millions) | 3.9995% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 4,017 |
| Loan loss allowance to noncurrent loans | 30.6489% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 3.6638% | 1,910 |
| Noncurrent loans to loans | 4.8280% | 1,463 |
| Net loans and leases to total assets | 73.9132% | 1,926 |
| Net loans and leases to deposits | 84.9643% | 2,709 |
| Net loans and leases to core deposits | 88.6822% | 3,459 |
| Total domestic deposits to total assets | 86.9933% | 2,529 |
| Equity capital to assets | 12.8817% | 1,616 |
| Core capital (leverage) ratio | 12.6744% | 1,336 |
| Tier 1 risk-based capital ratio | 19.3257% | 1,643 |
| Total risk-based capital ratio | 20.5793% | 1,610 |
| Memoranda: | ||
| Average total assets | $59,711,330 | 6,320 |
| Average earning assets | $55,946,670 | 6,245 |
| Average equity | $7,543,330 | 5,951 |
| Average total loans | $44,415,330 | 5,844 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3210% | 509 |
| Cost of funding earning assets | 1.7562% | 2,098 |
| Net interest margin | 4.5648% | 1,014 |
| Noninterest income to average assets | 0.3492% | 5,346 |
| Noninterest expense to average assets | 2.6657% | 5,081 |
| Loan and lease loss provision to assets | 0.3022% | 3,623 |
| Net operating income to assets | 1.0381% | 2,039 |
| Return on assets (ROA) | 1.1079% | 1,887 |
| Pretax return on assets | 1.7122% | 1,040 |
| Return on Equity (ROE) | 8.8579% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.8579% | 1,439 |
| Net charge-offs to loans | 3.0100% | 514 |
| Credit loss provision to net charge-offs | 13.5542% | 5,016 |
| Earnings coverage of net charge-offs (x) | 0.8554% | 4,280 |
| Efficiency ratio | 58.2966% | 6,441 |
| Assets per employee ($millions) | 3.8069% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 4,566 |
| Loan loss allowance to noncurrent loans | 27.3508% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 3.7793% | 1,838 |
| Noncurrent loans to loans | 5.0176% | 1,442 |
| Net loans and leases to total assets | 71.3840% | 2,592 |
| Net loans and leases to deposits | 81.6035% | 3,350 |
| Net loans and leases to core deposits | 85.5754% | 3,960 |
| Total domestic deposits to total assets | 87.4766% | 2,368 |
| Equity capital to assets | 12.4167% | 1,798 |
| Core capital (leverage) ratio | 12.7888% | 1,299 |
| Tier 1 risk-based capital ratio | 20.0484% | 1,512 |
| Total risk-based capital ratio | 21.3041% | 1,486 |
| Memoranda: | ||
| Average total assets | $59,571,000 | 6,403 |
| Average earning assets | $55,117,500 | 6,358 |
| Average equity | $7,451,000 | 6,035 |
| Average total loans | $44,119,000 | 5,932 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2506% | 188 |
| Cost of funding earning assets | 2.0794% | 2,571 |
| Net interest margin | 5.1712% | 313 |
| Noninterest income to average assets | 0.4442% | 4,849 |
| Noninterest expense to average assets | 3.0786% | 3,836 |
| Loan and lease loss provision to assets | 0.9356% | 2,409 |
| Net operating income to assets | 0.6563% | 3,113 |
| Return on assets (ROA) | 0.6563% | 3,163 |
| Pretax return on assets | 1.2275% | 1,877 |
| Return on Equity (ROE) | 4.9432% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.1817% | 2,933 |
| Net charge-offs to loans | 0.7353% | 2,983 |
| Credit loss provision to net charge-offs | 161.2500% | 2,755 |
| Earnings coverage of net charge-offs (x) | 3.7281% | 3,228 |
| Efficiency ratio | 58.7340% | 6,657 |
| Assets per employee ($millions) | 3.6395% | 4,671 |
| Cash dividends to net income (ytd only)* | 35.6354% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 1,973 |
| Loan loss allowance to noncurrent loans | 44.5165% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.4826% | 1,936 |
| Noncurrent loans to loans | 4.5433% | 1,559 |
| Net loans and leases to total assets | 74.2891% | 2,201 |
| Net loans and leases to deposits | 85.0871% | 3,066 |
| Net loans and leases to core deposits | 120.7503% | 1,898 |
| Total domestic deposits to total assets | 87.3094% | 2,318 |
| Equity capital to assets | 12.6030% | 1,695 |
| Core capital (leverage) ratio | 12.5965% | 1,407 |
| Tier 1 risk-based capital ratio | 19.7805% | 1,498 |
| Total risk-based capital ratio | 20.6292% | 1,537 |
| Memoranda: | ||
| Average total assets | $55,154,400 | 6,526 |
| Average earning assets | $51,168,000 | 6,490 |
| Average equity | $7,323,200 | 6,166 |
| Average total loans | $43,519,200 | 5,954 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3404% | 179 |
| Cost of funding earning assets | 2.1437% | 2,689 |
| Net interest margin | 5.1967% | 305 |
| Noninterest income to average assets | 0.4364% | 4,987 |
| Noninterest expense to average assets | 2.8487% | 4,677 |
| Loan and lease loss provision to assets | 0.8262% | 2,310 |
| Net operating income to assets | 0.9194% | 2,345 |
| Return on assets (ROA) | 0.9194% | 2,421 |
| Pretax return on assets | 1.5813% | 1,214 |
| Return on Equity (ROE) | 6.8312% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.8312% | 1,575 |
| Net charge-offs to loans | 0.7134% | 2,564 |
| Credit loss provision to net charge-offs | 145.2586% | 3,347 |
| Earnings coverage of net charge-offs (x) | 4.2327% | 3,202 |
| Efficiency ratio | 54.1978% | 7,216 |
| Assets per employee ($millions) | 3.5543% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8101% | 2,245 |
| Loan loss allowance to noncurrent loans | 53.9288% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.7748% | 2,499 |
| Noncurrent loans to loans | 3.3566% | 2,252 |
| Net loans and leases to total assets | 76.5949% | 1,875 |
| Net loans and leases to deposits | 88.4786% | 2,869 |
| Net loans and leases to core deposits | 120.3625% | 2,216 |
| Total domestic deposits to total assets | 86.5689% | 2,394 |
| Equity capital to assets | 13.2799% | 1,585 |
| Core capital (leverage) ratio | 13.5265% | 1,228 |
| Tier 1 risk-based capital ratio | 20.2610% | 1,503 |
| Total risk-based capital ratio | 21.5205% | 1,461 |
| Memoranda: | ||
| Average total assets | $54,385,000 | 6,594 |
| Average earning assets | $50,441,000 | 6,559 |
| Average equity | $7,319,250 | 6,218 |
| Average total loans | $43,360,750 | 6,007 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4330% | 172 |
| Cost of funding earning assets | 2.2158% | 2,719 |
| Net interest margin | 5.2172% | 288 |
| Noninterest income to average assets | 0.4481% | 4,863 |
| Noninterest expense to average assets | 2.8119% | 4,910 |
| Loan and lease loss provision to assets | 0.5863% | 2,685 |
| Net operating income to assets | 1.2137% | 1,442 |
| Return on assets (ROA) | 1.2137% | 1,522 |
| Pretax return on assets | 1.8858% | 717 |
| Return on Equity (ROE) | 8.9758% | 2,368 |
| Retained earnings to average equity (ytd only) | 8.9758% | 949 |
| Net charge-offs to loans | 0.7577% | 2,164 |
| Credit loss provision to net charge-offs | 96.3190% | 4,730 |
| Earnings coverage of net charge-offs (x) | 4.0613% | 3,231 |
| Efficiency ratio | 53.2155% | 7,409 |
| Assets per employee ($millions) | 3.3823% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 2,771 |
| Loan loss allowance to noncurrent loans | 44.3022% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 3.0102% | 2,112 |
| Noncurrent loans to loans | 3.5990% | 1,939 |
| Net loans and leases to total assets | 78.9212% | 1,542 |
| Net loans and leases to deposits | 91.6129% | 2,544 |
| Net loans and leases to core deposits | 123.7081% | 2,053 |
| Total domestic deposits to total assets | 86.1464% | 2,711 |
| Equity capital to assets | 13.7501% | 1,403 |
| Core capital (leverage) ratio | 13.8832% | 1,167 |
| Tier 1 risk-based capital ratio | 20.7922% | 1,430 |
| Total risk-based capital ratio | 21.4371% | 1,502 |
| Memoranda: | ||
| Average total assets | $53,557,330 | 6,684 |
| Average earning assets | $49,643,330 | 6,647 |
| Average equity | $7,241,670 | 6,287 |
| Average total loans | $43,027,330 | 6,065 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3963% | 192 |
| Cost of funding earning assets | 2.3108% | 2,652 |
| Net interest margin | 5.0854% | 336 |
| Noninterest income to average assets | 0.4204% | 5,047 |
| Noninterest expense to average assets | 2.5827% | 5,526 |
| Loan and lease loss provision to assets | 0.9910% | 1,312 |
| Net operating income to assets | 0.8634% | 2,868 |
| Return on assets (ROA) | 0.8634% | 3,017 |
| Pretax return on assets | 1.5391% | 1,567 |
| Return on Equity (ROE) | 6.4408% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.4408% | 2,443 |
| Net charge-offs to loans | 1.1018% | 1,237 |
| Credit loss provision to net charge-offs | 111.8644% | 3,460 |
| Earnings coverage of net charge-offs (x) | 2.8559% | 3,354 |
| Efficiency ratio | 50.5140% | 7,550 |
| Assets per employee ($millions) | 3.5851% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 2,201 |
| Loan loss allowance to noncurrent loans | 63.8814% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.0790% | 2,774 |
| Noncurrent loans to loans | 2.6346% | 2,496 |
| Net loans and leases to total assets | 77.2338% | 1,985 |
| Net loans and leases to deposits | 89.7780% | 2,965 |
| Net loans and leases to core deposits | 120.3675% | 2,386 |
| Total domestic deposits to total assets | 86.0275% | 2,702 |
| Equity capital to assets | 13.4370% | 1,556 |
| Core capital (leverage) ratio | 13.4628% | 1,336 |
| Tier 1 risk-based capital ratio | 20.3000% | 1,563 |
| Total risk-based capital ratio | 21.0052% | 1,620 |
| Memoranda: | ||
| Average total assets | $53,278,000 | 6,732 |
| Average earning assets | $49,160,000 | 6,702 |
| Average equity | $7,142,000 | 6,359 |
| Average total loans | $42,840,500 | 6,098 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0025% | 191 |
| Cost of funding earning assets | 2.7521% | 2,915 |
| Net interest margin | 5.2505% | 308 |
| Noninterest income to average assets | 0.5253% | 4,422 |
| Noninterest expense to average assets | 3.0171% | 4,027 |
| Loan and lease loss provision to assets | 0.3125% | 3,873 |
| Net operating income to assets | 1.3469% | 1,354 |
| Return on assets (ROA) | 1.3533% | 1,295 |
| Pretax return on assets | 2.0563% | 529 |
| Return on Equity (ROE) | 10.0324% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.3976% | 1,020 |
| Net charge-offs to loans | 0.1650% | 4,553 |
| Credit loss provision to net charge-offs | 231.8841% | 2,056 |
| Earnings coverage of net charge-offs (x) | 17.5072% | 1,763 |
| Efficiency ratio | 56.1206% | 6,989 |
| Assets per employee ($millions) | 3.2987% | 5,214 |
| Cash dividends to net income (ytd only)* | 26.2626% | 4,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 2,217 |
| Loan loss allowance to noncurrent loans | 60.0172% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 2.2319% | 2,188 |
| Noncurrent loans to loans | 2.6775% | 2,025 |
| Net loans and leases to total assets | 80.9754% | 1,441 |
| Net loans and leases to deposits | 93.8719% | 2,788 |
| Net loans and leases to core deposits | 128.7793% | 1,941 |
| Total domestic deposits to total assets | 86.2616% | 2,282 |
| Equity capital to assets | 13.3727% | 1,641 |
| Core capital (leverage) ratio | 13.4057% | 1,412 |
| Tier 1 risk-based capital ratio | 19.6499% | 1,673 |
| Total risk-based capital ratio | 20.3032% | 1,759 |
| Memoranda: | ||
| Average total assets | $51,207,600 | 6,723 |
| Average earning assets | $47,310,000 | 6,702 |
| Average equity | $6,907,600 | 6,492 |
| Average total loans | $41,826,200 | 6,084 |