Home > St. Clair State Bank (Incorporated) > Performance and Condition Ratios
St. Clair State Bank (Incorporated), Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0402% | 9 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10,720.0000% | 35 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.5453% | 913 |
| Pretax return on assets | 1.6963% | 1,072 |
| Return on Equity (ROE) | 14.1100% | 1,462 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 8.1350% | 2,361 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.1373% | 4,552 |
| Cash dividends to net income (ytd only)* | 59.0000% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 1,933.0000% | 31 |
| Total domestic deposits to total assets | 69.0000% | 4,323 |
| Equity capital to assets | 34,318.0000% | 21 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,450,000 | 4,588 |
| Average earning assets | $4,608 | 4,576 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 2,278 |
| Cost of funding earning assets | 1.3996% | 1,870 |
| Net interest margin | 3.3951% | 2,465 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.4019% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0632% | 461 |
| Return on assets (ROA) | 2.0766% | 444 |
| Pretax return on assets | 2.2285% | 539 |
| Return on Equity (ROE) | 18.9100% | 831 |
| Retained earnings to average equity (ytd only) | 12.7676% | 849 |
| Net charge-offs to loans | 0.0083% | 2,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 370.2000% | 387 |
| Efficiency ratio | 38.7694% | 4,388 |
| Assets per employee ($millions) | 11.2740% | 471 |
| Cash dividends to net income (ytd only)* | 32.4885% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0307% | 369 |
| Loan loss allowance to noncurrent loans | 12,938.4615% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,738 |
| Noncurrent loans to loans | 0.0157% | 3,677 |
| Net loans and leases to total assets | 71.9800% | 1,576 |
| Net loans and leases to deposits | 81.7258% | 1,925 |
| Net loans and leases to core deposits | 88.3138% | 2,032 |
| Total domestic deposits to total assets | 88.0700% | 1,543 |
| Equity capital to assets | 11.3713% | 1,217 |
| Core capital (leverage) ratio | 11.4800% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $111,461,500 | 3,744 |
| Average earning assets | $108,310,500 | 3,672 |
| Average equity | $12,239,000 | 3,508 |
| Average total loans | $80,047,000 | 3,413 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 2,324 |
| Cost of funding earning assets | 1.3001% | 1,712 |
| Net interest margin | 3.3430% | 2,661 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.4950% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9814% | 483 |
| Return on assets (ROA) | 2.0066% | 457 |
| Pretax return on assets | 2.1597% | 565 |
| Return on Equity (ROE) | 18.5000% | 894 |
| Retained earnings to average equity (ytd only) | 12.6854% | 859 |
| Net charge-offs to loans | 0.0126% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 236.8000% | 526 |
| Efficiency ratio | 41.2115% | 4,360 |
| Assets per employee ($millions) | 10.9911% | 512 |
| Cash dividends to net income (ytd only)* | 31.4183% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1140% | 352 |
| Loan loss allowance to noncurrent loans | 7,008.3333% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,599 |
| Noncurrent loans to loans | 0.0302% | 3,531 |
| Net loans and leases to total assets | 70.8600% | 1,650 |
| Net loans and leases to deposits | 80.2239% | 1,955 |
| Net loans and leases to core deposits | 85.5603% | 2,103 |
| Total domestic deposits to total assets | 88.3300% | 1,482 |
| Equity capital to assets | 11.2928% | 1,276 |
| Core capital (leverage) ratio | 11.2904% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $111,035,333 | 3,757 |
| Average earning assets | $107,988,333 | 3,682 |
| Average equity | $12,045,333 | 3,531 |
| Average total loans | $79,119,333 | 3,429 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 2,375 |
| Cost of funding earning assets | 1.1630% | 1,553 |
| Net interest margin | 3.3125% | 2,847 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.3441% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1398% | 407 |
| Return on assets (ROA) | 2.1613% | 387 |
| Pretax return on assets | 2.1613% | 601 |
| Return on Equity (ROE) | 20.3300% | 721 |
| Retained earnings to average equity (ytd only) | 14.4326% | 882 |
| Net charge-offs to loans | -0.0051% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.5802% | 4,477 |
| Assets per employee ($millions) | 11.1131% | 496 |
| Cash dividends to net income (ytd only)* | 29.0216% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 330 |
| Loan loss allowance to noncurrent loans | 6,496.1538% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,560 |
| Noncurrent loans to loans | 0.0337% | 3,510 |
| Net loans and leases to total assets | 67.9000% | 1,845 |
| Net loans and leases to deposits | 76.3789% | 2,084 |
| Net loans and leases to core deposits | 80.1628% | 2,244 |
| Total domestic deposits to total assets | 88.8900% | 1,582 |
| Equity capital to assets | 10.8665% | 1,391 |
| Core capital (leverage) ratio | 10.7512% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $111,597,500 | 3,804 |
| Average earning assets | $108,680,000 | 3,733 |
| Average equity | $11,862,000 | 3,582 |
| Average total loans | $78,896,500 | 3,467 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 1,935 |
| Cost of funding earning assets | 0.6285% | 792 |
| Net interest margin | 3.2919% | 2,584 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.8475% | 3,936 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3744% | 1,199 |
| Return on assets (ROA) | 1.3876% | 1,110 |
| Pretax return on assets | 1.5163% | 1,403 |
| Return on Equity (ROE) | 13.6800% | 1,608 |
| Retained earnings to average equity (ytd only) | 8.0885% | 1,794 |
| Net charge-offs to loans | 0.0091% | 2,046 |
| Credit loss provision to net charge-offs | 714.2857% | 538 |
| Earnings coverage of net charge-offs (x) | 245.5714% | 555 |
| Efficiency ratio | 54.4274% | 3,755 |
| Assets per employee ($millions) | 10.1876% | 639 |
| Cash dividends to net income (ytd only)* | 40.8560% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 363 |
| Loan loss allowance to noncurrent loans | 5,817.2414% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,568 |
| Noncurrent loans to loans | 0.0360% | 3,524 |
| Net loans and leases to total assets | 70.4600% | 1,591 |
| Net loans and leases to deposits | 78.8133% | 1,869 |
| Net loans and leases to core deposits | 81.9560% | 2,009 |
| Total domestic deposits to total assets | 89.4000% | 1,595 |
| Equity capital to assets | 10.3941% | 1,503 |
| Core capital (leverage) ratio | 10.1809% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $111,125,000 | 3,822 |
| Average earning assets | $108,355,800 | 3,740 |
| Average equity | $11,275,200 | 3,737 |
| Average total loans | $77,057,200 | 3,454 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 1,869 |
| Cost of funding earning assets | 0.5713% | 509 |
| Net interest margin | 3.1860% | 2,668 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.3563% | 4,546 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.7462% | 476 |
| Return on assets (ROA) | 1.7518% | 458 |
| Pretax return on assets | 1.8781% | 620 |
| Return on Equity (ROE) | 17.3700% | 733 |
| Retained earnings to average equity (ytd only) | 11.8163% | 836 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.2431% | 4,543 |
| Assets per employee ($millions) | 10.2275% | 608 |
| Cash dividends to net income (ytd only)* | 31.9835% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3127% | 286 |
| Loan loss allowance to noncurrent loans | 5,293.7500% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,645 |
| Noncurrent loans to loans | 0.0437% | 3,575 |
| Net loans and leases to total assets | 63.6000% | 2,124 |
| Net loans and leases to deposits | 71.1360% | 2,273 |
| Net loans and leases to core deposits | 73.7118% | 2,370 |
| Total domestic deposits to total assets | 89.4100% | 1,914 |
| Equity capital to assets | 10.4238% | 1,408 |
| Core capital (leverage) ratio | 10.4037% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $110,890,250 | 3,851 |
| Average earning assets | $108,053,000 | 3,772 |
| Average equity | $11,182,000 | 3,789 |
| Average total loans | $76,159,000 | 3,482 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3215% | 2,667 |
| Cost of funding earning assets | 0.5740% | 339 |
| Net interest margin | 2.7475% | 3,581 |
| Noninterest income to average assets | 0.1776% | 4,117 |
| Noninterest expense to average assets | 1.3738% | 4,550 |
| Loan and lease loss provision to assets | 0.0906% | 1,092 |
| Net operating income to assets | 1.3073% | 1,120 |
| Return on assets (ROA) | 1.3158% | 1,077 |
| Pretax return on assets | 1.4028% | 1,432 |
| Return on Equity (ROE) | 13.1996% | 1,326 |
| Retained earnings to average equity (ytd only) | 7.5634% | 1,781 |
| Net charge-offs to loans | 0.0026% | 1,995 |
| Credit loss provision to net charge-offs | 5,000.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 819.0000% | 167 |
| Efficiency ratio | 48.0659% | 4,342 |
| Assets per employee ($millions) | 10.3444% | 596 |
| Cash dividends to net income (ytd only)* | 42.6997% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2527% | 348 |
| Loan loss allowance to noncurrent loans | 5,290.6250% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,702 |
| Noncurrent loans to loans | 0.0426% | 3,625 |
| Net loans and leases to total assets | 64.5587% | 1,847 |
| Net loans and leases to deposits | 71.8189% | 2,044 |
| Net loans and leases to core deposits | 74.3575% | 2,141 |
| Total domestic deposits to total assets | 89.8908% | 1,756 |
| Equity capital to assets | 9.8007% | 1,821 |
| Core capital (leverage) ratio | 10.0023% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,353,000 | 3,894 |
| Average earning assets | $107,662,000 | 3,825 |
| Average equity | $11,000,333 | 3,891 |
| Average total loans | $77,129,000 | 3,499 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3602% | 2,211 |
| Cost of funding earning assets | 0.6054% | 255 |
| Net interest margin | 2.7548% | 3,267 |
| Noninterest income to average assets | 0.1767% | 4,116 |
| Noninterest expense to average assets | 1.2777% | 4,632 |
| Loan and lease loss provision to assets | 0.1105% | 757 |
| Net operating income to assets | 1.3605% | 882 |
| Return on assets (ROA) | 1.3844% | 824 |
| Pretax return on assets | 1.4949% | 1,030 |
| Return on Equity (ROE) | 13.7672% | 879 |
| Retained earnings to average equity (ytd only) | 13.7672% | 398 |
| Net charge-offs to loans | -0.0051% | 3,346 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7165% | 4,537 |
| Assets per employee ($millions) | 11.0102% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2331% | 418 |
| Loan loss allowance to noncurrent loans | 4,926.4706% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,726 |
| Noncurrent loans to loans | 0.0453% | 3,653 |
| Net loans and leases to total assets | 66.6055% | 1,352 |
| Net loans and leases to deposits | 74.3556% | 1,572 |
| Net loans and leases to core deposits | 77.3109% | 1,669 |
| Total domestic deposits to total assets | 89.5769% | 1,780 |
| Equity capital to assets | 10.0934% | 1,832 |
| Core capital (leverage) ratio | 10.1542% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,635,500 | 3,931 |
| Average earning assets | $105,708,000 | 3,863 |
| Average equity | $10,924,500 | 3,960 |
| Average total loans | $78,117,000 | 3,487 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 1,824 |
| Cost of funding earning assets | 0.7784% | 225 |
| Net interest margin | 3.0398% | 3,075 |
| Noninterest income to average assets | 0.1902% | 4,215 |
| Noninterest expense to average assets | 1.8485% | 4,051 |
| Loan and lease loss provision to assets | 0.1124% | 1,121 |
| Net operating income to assets | 1.0653% | 2,436 |
| Return on assets (ROA) | 1.0653% | 2,508 |
| Pretax return on assets | 1.1964% | 2,672 |
| Return on Equity (ROE) | 10.5514% | 2,324 |
| Retained earnings to average equity (ytd only) | 3.2944% | 3,498 |
| Net charge-offs to loans | 0.0224% | 1,811 |
| Credit loss provision to net charge-offs | 705.8824% | 658 |
| Earnings coverage of net charge-offs (x) | 82.1765% | 979 |
| Efficiency ratio | 58.5460% | 3,360 |
| Assets per employee ($millions) | 10.7169% | 549 |
| Cash dividends to net income (ytd only)* | 68.7775% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0240% | 585 |
| Loan loss allowance to noncurrent loans | 3,497.8723% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,689 |
| Noncurrent loans to loans | 0.0579% | 3,663 |
| Net loans and leases to total assets | 74.2575% | 646 |
| Net loans and leases to deposits | 82.9159% | 992 |
| Net loans and leases to core deposits | 86.3294% | 1,181 |
| Total domestic deposits to total assets | 89.5576% | 1,200 |
| Equity capital to assets | 10.0178% | 2,640 |
| Core capital (leverage) ratio | 9.8102% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,734,400 | 3,923 |
| Average earning assets | $104,185,000 | 3,863 |
| Average equity | $10,775,800 | 4,061 |
| Average total loans | $75,779,800 | 3,544 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 2,094 |
| Cost of funding earning assets | 0.7979% | 245 |
| Net interest margin | 2.9716% | 3,377 |
| Noninterest income to average assets | 0.1926% | 4,240 |
| Noninterest expense to average assets | 1.3592% | 4,710 |
| Loan and lease loss provision to assets | 0.1125% | 1,070 |
| Net operating income to assets | 1.6268% | 966 |
| Return on assets (ROA) | 1.6268% | 1,013 |
| Pretax return on assets | 1.6268% | 1,618 |
| Return on Equity (ROE) | 16.0825% | 933 |
| Retained earnings to average equity (ytd only) | 9.3702% | 1,543 |
| Net charge-offs to loans | 0.0340% | 1,394 |
| Credit loss provision to net charge-offs | 473.6842% | 783 |
| Earnings coverage of net charge-offs (x) | 73.2105% | 1,038 |
| Efficiency ratio | 43.8660% | 4,593 |
| Assets per employee ($millions) | 9.8148% | 676 |
| Cash dividends to net income (ytd only)* | 41.7371% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1378% | 501 |
| Loan loss allowance to noncurrent loans | 3,289.7959% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,850 |
| Noncurrent loans to loans | 0.0650% | 3,768 |
| Net loans and leases to total assets | 68.3493% | 1,280 |
| Net loans and leases to deposits | 76.4351% | 1,631 |
| Net loans and leases to core deposits | 79.5558% | 1,776 |
| Total domestic deposits to total assets | 89.4214% | 1,056 |
| Equity capital to assets | 10.3174% | 2,602 |
| Core capital (leverage) ratio | 10.4033% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1844% | 1,574 |
| Memoranda: | ||
| Average total assets | $106,625,750 | 3,974 |
| Average earning assets | $104,272,000 | 3,909 |
| Average equity | $10,785,750 | 4,111 |
| Average total loans | $74,418,500 | 3,621 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7663% | 2,153 |
| Cost of funding earning assets | 0.8241% | 259 |
| Net interest margin | 2.9422% | 3,466 |
| Noninterest income to average assets | 0.1733% | 4,343 |
| Noninterest expense to average assets | 1.3750% | 4,741 |
| Loan and lease loss provision to assets | 0.1130% | 1,117 |
| Net operating income to assets | 1.5634% | 1,136 |
| Return on assets (ROA) | 1.5634% | 1,199 |
| Pretax return on assets | 1.5634% | 1,839 |
| Return on Equity (ROE) | 15.5606% | 1,044 |
| Retained earnings to average equity (ytd only) | 8.2302% | 1,996 |
| Net charge-offs to loans | 0.0567% | 1,052 |
| Credit loss provision to net charge-offs | 285.7143% | 911 |
| Earnings coverage of net charge-offs (x) | 42.3810% | 1,133 |
| Efficiency ratio | 45.0617% | 4,566 |
| Assets per employee ($millions) | 9.6007% | 690 |
| Cash dividends to net income (ytd only)* | 47.1084% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1369% | 479 |
| Loan loss allowance to noncurrent loans | 2,633.3333% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,851 |
| Noncurrent loans to loans | 0.0811% | 3,780 |
| Net loans and leases to total assets | 68.5166% | 1,381 |
| Net loans and leases to deposits | 76.5566% | 1,766 |
| Net loans and leases to core deposits | 80.0936% | 1,881 |
| Total domestic deposits to total assets | 89.4980% | 1,028 |
| Equity capital to assets | 10.2445% | 2,621 |
| Core capital (leverage) ratio | 10.1759% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0019% | 1,630 |
| Memoranda: | ||
| Average total assets | $106,180,000 | 3,997 |
| Average earning assets | $103,867,333 | 3,933 |
| Average equity | $10,668,000 | 4,137 |
| Average total loans | $74,090,000 | 3,650 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 2,147 |
| Cost of funding earning assets | 0.8687% | 260 |
| Net interest margin | 2.9135% | 3,482 |
| Noninterest income to average assets | 0.1653% | 4,376 |
| Noninterest expense to average assets | 1.3150% | 4,810 |
| Loan and lease loss provision to assets | 0.1127% | 1,226 |
| Net operating income to assets | 1.5855% | 1,153 |
| Return on assets (ROA) | 1.5855% | 1,204 |
| Pretax return on assets | 1.5855% | 1,771 |
| Return on Equity (ROE) | 15.9358% | 1,030 |
| Retained earnings to average equity (ytd only) | 15.9358% | 528 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6409% | 4,601 |
| Assets per employee ($millions) | 9.6996% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1271% | 474 |
| Loan loss allowance to noncurrent loans | 1,870.2381% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,820 |
| Noncurrent loans to loans | 0.1137% | 3,737 |
| Net loans and leases to total assets | 67.7504% | 1,560 |
| Net loans and leases to deposits | 75.6037% | 1,958 |
| Net loans and leases to core deposits | 79.5202% | 2,051 |
| Total domestic deposits to total assets | 89.6125% | 1,012 |
| Equity capital to assets | 10.1260% | 2,584 |
| Core capital (leverage) ratio | 10.2566% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,466,000 | 4,003 |
| Average earning assets | $104,067,500 | 3,937 |
| Average equity | $10,592,500 | 4,158 |
| Average total loans | $74,165,500 | 3,665 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 1,737 |
| Cost of funding earning assets | 1.0972% | 404 |
| Net interest margin | 3.2476% | 3,223 |
| Noninterest income to average assets | 0.1801% | 4,387 |
| Noninterest expense to average assets | 1.9207% | 4,281 |
| Loan and lease loss provision to assets | 0.1194% | 2,871 |
| Net operating income to assets | 1.3007% | 1,249 |
| Return on assets (ROA) | 1.3007% | 1,345 |
| Pretax return on assets | 1.3007% | 1,976 |
| Return on Equity (ROE) | 12.5560% | 1,162 |
| Retained earnings to average equity (ytd only) | 4.2558% | 2,680 |
| Net charge-offs to loans | 0.0491% | 2,094 |
| Credit loss provision to net charge-offs | 324.3243% | 1,657 |
| Earnings coverage of net charge-offs (x) | 38.5676% | 1,417 |
| Efficiency ratio | 57.4918% | 3,792 |
| Assets per employee ($millions) | 9.6578% | 590 |
| Cash dividends to net income (ytd only)* | 66.1056% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 512 |
| Loan loss allowance to noncurrent loans | 2,054.6667% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,988 |
| Noncurrent loans to loans | 0.1007% | 3,887 |
| Net loans and leases to total assets | 68.6509% | 1,742 |
| Net loans and leases to deposits | 76.3854% | 2,242 |
| Net loans and leases to core deposits | 81.8651% | 2,206 |
| Total domestic deposits to total assets | 89.8744% | 615 |
| Equity capital to assets | 9.7716% | 3,344 |
| Core capital (leverage) ratio | 9.9709% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,486,200 | 3,989 |
| Average earning assets | $97,795,600 | 3,913 |
| Average equity | $10,409,400 | 4,162 |
| Average total loans | $75,364,000 | 3,640 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 1,443 |
| Cost of funding earning assets | 1.1450% | 450 |
| Net interest margin | 3.4086% | 2,888 |
| Noninterest income to average assets | 0.1871% | 4,351 |
| Noninterest expense to average assets | 1.4430% | 4,844 |
| Loan and lease loss provision to assets | 0.1212% | 2,818 |
| Net operating income to assets | 1.9370% | 339 |
| Return on assets (ROA) | 1.9370% | 374 |
| Pretax return on assets | 1.9370% | 585 |
| Return on Equity (ROE) | 18.4190% | 329 |
| Retained earnings to average equity (ytd only) | 10.5727% | 660 |
| Net charge-offs to loans | 0.0335% | 2,155 |
| Credit loss provision to net charge-offs | 473.6842% | 1,328 |
| Earnings coverage of net charge-offs (x) | 80.4737% | 922 |
| Efficiency ratio | 41.2149% | 4,866 |
| Assets per employee ($millions) | 9.2355% | 649 |
| Cash dividends to net income (ytd only)* | 42.5990% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0804% | 435 |
| Loan loss allowance to noncurrent loans | 2,732.1429% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 4,162 |
| Noncurrent loans to loans | 0.0761% | 4,065 |
| Net loans and leases to total assets | 70.8869% | 1,838 |
| Net loans and leases to deposits | 79.6298% | 2,354 |
| Net loans and leases to core deposits | 85.6565% | 2,329 |
| Total domestic deposits to total assets | 89.0206% | 758 |
| Equity capital to assets | 10.5965% | 2,707 |
| Core capital (leverage) ratio | 10.7234% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9282% | 2,238 |
| Memoranda: | ||
| Average total assets | $99,048,750 | 4,004 |
| Average earning assets | $96,304,000 | 3,932 |
| Average equity | $10,416,500 | 4,169 |
| Average total loans | $75,586,750 | 3,649 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 1,427 |
| Cost of funding earning assets | 1.1836% | 533 |
| Net interest margin | 3.5088% | 2,757 |
| Noninterest income to average assets | 0.1955% | 4,299 |
| Noninterest expense to average assets | 1.4704% | 4,867 |
| Loan and lease loss provision to assets | 0.1222% | 2,811 |
| Net operating income to assets | 2.0142% | 326 |
| Return on assets (ROA) | 2.0142% | 358 |
| Pretax return on assets | 2.0142% | 531 |
| Return on Equity (ROE) | 19.2033% | 288 |
| Retained earnings to average equity (ytd only) | 11.0482% | 594 |
| Net charge-offs to loans | 0.0131% | 2,495 |
| Credit loss provision to net charge-offs | 1,200.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 209.8000% | 428 |
| Efficiency ratio | 40.7679% | 4,895 |
| Assets per employee ($millions) | 8.9918% | 679 |
| Cash dividends to net income (ytd only)* | 42.4671% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 449 |
| Loan loss allowance to noncurrent loans | 2,608.6207% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,238 |
| Noncurrent loans to loans | 0.0759% | 4,152 |
| Net loans and leases to total assets | 75.7052% | 1,187 |
| Net loans and leases to deposits | 85.1006% | 1,874 |
| Net loans and leases to core deposits | 92.0094% | 1,903 |
| Total domestic deposits to total assets | 88.9597% | 759 |
| Equity capital to assets | 10.6238% | 2,641 |
| Core capital (leverage) ratio | 10.6906% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8882% | 2,228 |
| Memoranda: | ||
| Average total assets | $98,201,667 | 4,017 |
| Average earning assets | $95,474,000 | 3,945 |
| Average equity | $10,300,333 | 4,190 |
| Average total loans | $76,267,667 | 3,641 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 1,446 |
| Cost of funding earning assets | 1.2147% | 733 |
| Net interest margin | 3.5768% | 2,745 |
| Noninterest income to average assets | 0.1799% | 4,466 |
| Noninterest expense to average assets | 1.4226% | 4,952 |
| Loan and lease loss provision to assets | 0.1226% | 2,161 |
| Net operating income to assets | 2.1135% | 219 |
| Return on assets (ROA) | 2.1135% | 241 |
| Pretax return on assets | 2.1135% | 364 |
| Return on Equity (ROE) | 20.2815% | 159 |
| Retained earnings to average equity (ytd only) | 20.2815% | 62 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8827% | 4,995 |
| Assets per employee ($millions) | 8.9080% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 563 |
| Loan loss allowance to noncurrent loans | 16,533.3333% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,598 |
| Noncurrent loans to loans | 0.0117% | 4,526 |
| Net loans and leases to total assets | 76.8645% | 1,156 |
| Net loans and leases to deposits | 86.4274% | 1,942 |
| Net loans and leases to core deposits | 93.5209% | 2,017 |
| Total domestic deposits to total assets | 88.9354% | 690 |
| Equity capital to assets | 10.6697% | 3,176 |
| Core capital (leverage) ratio | 10.7064% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1130% | 2,232 |
| Memoranda: | ||
| Average total assets | $97,847,500 | 4,022 |
| Average earning assets | $95,168,500 | 3,940 |
| Average equity | $10,196,500 | 4,217 |
| Average total loans | $76,205,000 | 3,638 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9599% | 1,588 |
| Cost of funding earning assets | 1.1777% | 1,078 |
| Net interest margin | 3.7822% | 2,565 |
| Noninterest income to average assets | 0.1925% | 4,510 |
| Noninterest expense to average assets | 1.9212% | 4,639 |
| Loan and lease loss provision to assets | 0.1263% | 1,686 |
| Net operating income to assets | 1.8212% | 504 |
| Return on assets (ROA) | 1.8212% | 527 |
| Pretax return on assets | 1.8212% | 888 |
| Return on Equity (ROE) | 16.6692% | 459 |
| Retained earnings to average equity (ytd only) | -12.8751% | 5,098 |
| Net charge-offs to loans | 0.0349% | 2,688 |
| Credit loss provision to net charge-offs | 461.5385% | 628 |
| Earnings coverage of net charge-offs (x) | 71.1923% | 876 |
| Efficiency ratio | 49.6600% | 4,746 |
| Assets per employee ($millions) | 8.8825% | 520 |
| Cash dividends to net income (ytd only)* | 177.2386% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 524 |
| Loan loss allowance to noncurrent loans | 8,105.5556% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,564 |
| Noncurrent loans to loans | 0.0238% | 4,471 |
| Net loans and leases to total assets | 75.8850% | 1,433 |
| Net loans and leases to deposits | 84.9040% | 2,222 |
| Net loans and leases to core deposits | 90.1536% | 2,409 |
| Total domestic deposits to total assets | 89.3774% | 534 |
| Equity capital to assets | 10.1712% | 3,760 |
| Core capital (leverage) ratio | 10.3454% | 3,142 |
| Tier 1 risk-based capital ratio | 12.2629% | 4,209 |
| Total risk-based capital ratio | 13.5216% | 4,075 |
| Memoranda: | ||
| Average total assets | $95,045,600 | 4,074 |
| Average earning assets | $92,381,000 | 4,009 |
| Average equity | $10,384,400 | 4,187 |
| Average total loans | $74,441,200 | 3,692 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 1,563 |
| Cost of funding earning assets | 1.1754% | 1,093 |
| Net interest margin | 3.8169% | 2,539 |
| Noninterest income to average assets | 0.1921% | 4,568 |
| Noninterest expense to average assets | 1.4395% | 5,096 |
| Loan and lease loss provision to assets | 0.1271% | 1,521 |
| Net operating income to assets | 2.3366% | 209 |
| Return on assets (ROA) | 2.3366% | 220 |
| Pretax return on assets | 2.3366% | 346 |
| Return on Equity (ROE) | 21.0107% | 199 |
| Retained earnings to average equity (ytd only) | -16.4249% | 5,192 |
| Net charge-offs to loans | 0.0198% | 2,714 |
| Credit loss provision to net charge-offs | 818.1818% | 426 |
| Earnings coverage of net charge-offs (x) | 158.5058% | 522 |
| Efficiency ratio | 36.8802% | 5,163 |
| Assets per employee ($millions) | 8.6551% | 540 |
| Cash dividends to net income (ytd only)* | 178.1742% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 532 |
| Loan loss allowance to noncurrent loans | 3,139.1304% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 4,474 |
| Noncurrent loans to loans | 0.0614% | 4,362 |
| Net loans and leases to total assets | 77.1453% | 1,290 |
| Net loans and leases to deposits | 86.5988% | 2,123 |
| Net loans and leases to core deposits | 91.9501% | 2,376 |
| Total domestic deposits to total assets | 89.0837% | 584 |
| Equity capital to assets | 10.4836% | 3,555 |
| Core capital (leverage) ratio | 10.5709% | 3,038 |
| Tier 1 risk-based capital ratio | 12.7155% | 4,021 |
| Total risk-based capital ratio | 13.9729% | 3,891 |
| Memoranda: | ||
| Average total assets | $94,380,250 | 4,128 |
| Average earning assets | $91,765,250 | 4,061 |
| Average equity | $10,496,000 | 4,228 |
| Average total loans | $74,150,500 | 3,738 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 1,682 |
| Cost of funding earning assets | 1.1514% | 1,134 |
| Net interest margin | 3.7732% | 2,677 |
| Noninterest income to average assets | 0.1892% | 4,621 |
| Noninterest expense to average assets | 1.4877% | 5,123 |
| Loan and lease loss provision to assets | 0.1275% | 1,464 |
| Net operating income to assets | 2.2443% | 243 |
| Return on assets (ROA) | 2.2443% | 252 |
| Pretax return on assets | 2.2443% | 407 |
| Return on Equity (ROE) | 19.7981% | 269 |
| Retained earnings to average equity (ytd only) | -30.3159% | 5,274 |
| Net charge-offs to loans | 0.0135% | 2,650 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 223.2000% | 357 |
| Efficiency ratio | 38.5463% | 5,184 |
| Assets per employee ($millions) | 8.4768% | 562 |
| Cash dividends to net income (ytd only)* | 253.1250% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 625 |
| Loan loss allowance to noncurrent loans | 1,844.1558% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,352 |
| Noncurrent loans to loans | 0.1002% | 4,228 |
| Net loans and leases to total assets | 80.9094% | 743 |
| Net loans and leases to deposits | 90.6997% | 1,666 |
| Net loans and leases to core deposits | 95.5725% | 2,112 |
| Total domestic deposits to total assets | 89.2059% | 590 |
| Equity capital to assets | 10.3577% | 3,645 |
| Core capital (leverage) ratio | 10.2544% | 3,331 |
| Tier 1 risk-based capital ratio | 12.7335% | 3,992 |
| Total risk-based capital ratio | 13.9912% | 3,888 |
| Memoranda: | ||
| Average total assets | $94,105,000 | 4,158 |
| Average earning assets | $91,539,330 | 4,088 |
| Average equity | $10,667,670 | 4,215 |
| Average total loans | $73,903,670 | 3,765 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 2,182 |
| Cost of funding earning assets | 1.0948% | 1,201 |
| Net interest margin | 3.6189% | 3,186 |
| Noninterest income to average assets | 0.1481% | 4,855 |
| Noninterest expense to average assets | 1.4513% | 5,196 |
| Loan and lease loss provision to assets | 0.1269% | 1,381 |
| Net operating income to assets | 2.0945% | 326 |
| Return on assets (ROA) | 2.0945% | 342 |
| Pretax return on assets | 2.0945% | 533 |
| Return on Equity (ROE) | 17.7221% | 426 |
| Retained earnings to average equity (ytd only) | -7.3394% | 5,017 |
| Net charge-offs to loans | 0.0276% | 1,903 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 648 |
| Efficiency ratio | 39.5161% | 5,217 |
| Assets per employee ($millions) | 8.7076% | 527 |
| Cash dividends to net income (ytd only)* | 141.4141% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 582 |
| Loan loss allowance to noncurrent loans | 1,805.1948% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,402 |
| Noncurrent loans to loans | 0.1061% | 4,259 |
| Net loans and leases to total assets | 74.3245% | 1,744 |
| Net loans and leases to deposits | 84.3845% | 2,342 |
| Net loans and leases to core deposits | 89.1012% | 2,592 |
| Total domestic deposits to total assets | 88.0784% | 1,296 |
| Equity capital to assets | 11.5573% | 2,347 |
| Core capital (leverage) ratio | 11.7905% | 1,915 |
| Tier 1 risk-based capital ratio | 10.1835% | 5,247 |
| Total risk-based capital ratio | 11.4337% | 5,198 |
| Memoranda: | ||
| Average total assets | $94,535,000 | 4,187 |
| Average earning assets | $92,073,000 | 4,110 |
| Average equity | $11,172,500 | 4,170 |
| Average total loans | $72,423,500 | 3,830 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 1,740 |
| Cost of funding earning assets | 0.9409% | 963 |
| Net interest margin | 3.7863% | 2,711 |
| Noninterest income to average assets | 0.1887% | 4,775 |
| Noninterest expense to average assets | 1.8880% | 4,910 |
| Loan and lease loss provision to assets | 0.1324% | 1,649 |
| Net operating income to assets | 1.8626% | 490 |
| Return on assets (ROA) | 1.8682% | 483 |
| Pretax return on assets | 1.8682% | 776 |
| Return on Equity (ROE) | 15.4055% | 739 |
| Retained earnings to average equity (ytd only) | 4.1494% | 3,276 |
| Net charge-offs to loans | -0.0099% | 4,486 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6218% | 5,014 |
| Assets per employee ($millions) | 8.4805% | 554 |
| Cash dividends to net income (ytd only)* | 73.0656% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 583 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 4,480 |
| Noncurrent loans to loans | 0.0899% | 4,347 |
| Net loans and leases to total assets | 76.0039% | 1,612 |
| Net loans and leases to deposits | 86.8087% | 2,177 |
| Net loans and leases to core deposits | 91.7587% | 2,431 |
| Total domestic deposits to total assets | 87.5533% | 1,506 |
| Equity capital to assets | 12.0865% | 1,831 |
| Core capital (leverage) ratio | 12.3353% | 1,546 |
| Tier 1 risk-based capital ratio | 14.9383% | 2,854 |
| Total risk-based capital ratio | 16.1957% | 2,779 |
| Memoranda: | ||
| Average total assets | $90,624,200 | 4,259 |
| Average earning assets | $88,423,600 | 4,178 |
| Average equity | $10,989,600 | 4,159 |
| Average total loans | $70,876,200 | 3,855 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 1,656 |
| Cost of funding earning assets | 0.8902% | 961 |
| Net interest margin | 3.8173% | 2,581 |
| Noninterest income to average assets | 0.1793% | 4,889 |
| Noninterest expense to average assets | 1.3176% | 5,363 |
| Loan and lease loss provision to assets | 0.1334% | 1,511 |
| Net operating income to assets | 2.4529% | 172 |
| Return on assets (ROA) | 2.4603% | 172 |
| Pretax return on assets | 2.4603% | 251 |
| Return on Equity (ROE) | 20.2714% | 257 |
| Retained earnings to average equity (ytd only) | 4.5305% | 3,483 |
| Net charge-offs to loans | -0.0038% | 4,174 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.7509% | 5,407 |
| Assets per employee ($millions) | 8.1276% | 622 |
| Cash dividends to net income (ytd only)* | 77.6504% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 647 |
| Loan loss allowance to noncurrent loans | 71.9849% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 2.0681% | 506 |
| Noncurrent loans to loans | 2.5837% | 497 |
| Net loans and leases to total assets | 78.5558% | 1,240 |
| Net loans and leases to deposits | 90.1277% | 1,878 |
| Net loans and leases to core deposits | 95.5135% | 2,163 |
| Total domestic deposits to total assets | 87.1605% | 1,664 |
| Equity capital to assets | 12.5173% | 1,573 |
| Core capital (leverage) ratio | 12.4960% | 1,504 |
| Tier 1 risk-based capital ratio | 15.7619% | 2,541 |
| Total risk-based capital ratio | 17.0197% | 2,474 |
| Memoranda: | ||
| Average total assets | $89,958,750 | 4,309 |
| Average earning assets | $87,772,750 | 4,229 |
| Average equity | $10,918,250 | 4,211 |
| Average total loans | $70,528,750 | 3,898 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 1,787 |
| Cost of funding earning assets | 0.8606% | 872 |
| Net interest margin | 3.7392% | 2,792 |
| Noninterest income to average assets | 0.1664% | 4,998 |
| Noninterest expense to average assets | 1.4377% | 5,373 |
| Loan and lease loss provision to assets | 0.1331% | 1,483 |
| Net operating income to assets | 2.2586% | 231 |
| Return on assets (ROA) | 2.2586% | 226 |
| Pretax return on assets | 2.2586% | 352 |
| Return on Equity (ROE) | 18.8043% | 346 |
| Retained earnings to average equity (ytd only) | 0.0554% | 4,946 |
| Net charge-offs to loans | -0.0142% | 4,439 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5435% | 5,434 |
| Assets per employee ($millions) | 8.0592% | 611 |
| Cash dividends to net income (ytd only)* | 99.7053% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.8293% | 1,188 |
| Net loans and leases to deposits | 90.5772% | 1,770 |
| Net loans and leases to core deposits | 95.3943% | 2,114 |
| Total domestic deposits to total assets | 87.0300% | 1,830 |
| Equity capital to assets | 12.2074% | 1,718 |
| Core capital (leverage) ratio | 11.5661% | 2,018 |
| Tier 1 risk-based capital ratio | 14.8488% | 2,949 |
| Total risk-based capital ratio | 16.1069% | 2,870 |
| Memoranda: | ||
| Average total assets | $90,143,670 | 4,346 |
| Average earning assets | $88,307,670 | 4,248 |
| Average equity | $10,827,330 | 4,258 |
| Average total loans | $70,184,000 | 3,930 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 1,655 |
| Cost of funding earning assets | 0.8597% | 729 |
| Net interest margin | 3.7132% | 2,753 |
| Noninterest income to average assets | 0.1540% | 5,095 |
| Noninterest expense to average assets | 1.3115% | 5,497 |
| Loan and lease loss provision to assets | 0.1320% | 1,436 |
| Net operating income to assets | 2.3413% | 190 |
| Return on assets (ROA) | 2.3413% | 192 |
| Pretax return on assets | 2.3413% | 297 |
| Return on Equity (ROE) | 19.6491% | 270 |
| Retained earnings to average equity (ytd only) | 0.8126% | 4,665 |
| Net charge-offs to loans | -0.0057% | 4,053 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6512% | 5,530 |
| Assets per employee ($millions) | 8.2567% | 572 |
| Cash dividends to net income (ytd only)* | 95.8647% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.7179% | 1,579 |
| Net loans and leases to deposits | 86.2774% | 2,129 |
| Net loans and leases to core deposits | 90.3905% | 2,419 |
| Total domestic deposits to total assets | 87.7609% | 1,752 |
| Equity capital to assets | 11.9363% | 1,838 |
| Core capital (leverage) ratio | 11.9214% | 1,699 |
| Tier 1 risk-based capital ratio | 14.9512% | 2,888 |
| Total risk-based capital ratio | 16.2076% | 2,817 |
| Memoranda: | ||
| Average total assets | $90,890,000 | 4,384 |
| Average earning assets | $88,873,000 | 4,285 |
| Average equity | $10,830,000 | 4,301 |
| Average total loans | $69,682,500 | 3,974 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 2,001 |
| Cost of funding earning assets | 0.8149% | 571 |
| Net interest margin | 3.5958% | 3,183 |
| Noninterest income to average assets | 0.1595% | 5,163 |
| Noninterest expense to average assets | 1.7254% | 5,305 |
| Loan and lease loss provision to assets | 0.1329% | 1,730 |
| Net operating income to assets | 1.8051% | 416 |
| Return on assets (ROA) | 1.8051% | 424 |
| Pretax return on assets | 1.8051% | 784 |
| Return on Equity (ROE) | 15.3522% | 567 |
| Retained earnings to average equity (ytd only) | 2.1568% | 4,028 |
| Net charge-offs to loans | 0.0332% | 3,128 |
| Credit loss provision to net charge-offs | 521.7391% | 595 |
| Earnings coverage of net charge-offs (x) | 76.0870% | 800 |
| Efficiency ratio | 47.0979% | 5,355 |
| Assets per employee ($millions) | 8.2687% | 581 |
| Cash dividends to net income (ytd only)* | 85.9509% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7858% | 798 |
| Loan loss allowance to noncurrent loans | 13,755.5556% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 5,118 |
| Noncurrent loans to loans | 0.0130% | 4,977 |
| Net loans and leases to total assets | 74.8582% | 1,781 |
| Net loans and leases to deposits | 85.2453% | 2,350 |
| Net loans and leases to core deposits | 89.6154% | 2,604 |
| Total domestic deposits to total assets | 87.8150% | 1,602 |
| Equity capital to assets | 11.8948% | 1,913 |
| Core capital (leverage) ratio | 11.7082% | 1,792 |
| Tier 1 risk-based capital ratio | 15.8578% | 2,489 |
| Total risk-based capital ratio | 17.1154% | 2,426 |
| Memoranda: | ||
| Average total assets | $90,300,400 | 4,419 |
| Average earning assets | $87,991,200 | 4,335 |
| Average equity | $10,617,400 | 4,362 |
| Average total loans | $69,298,800 | 3,980 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 1,932 |
| Cost of funding earning assets | 0.8079% | 552 |
| Net interest margin | 3.6021% | 3,141 |
| Noninterest income to average assets | 0.1450% | 5,283 |
| Noninterest expense to average assets | 1.2692% | 5,631 |
| Loan and lease loss provision to assets | 0.1331% | 1,631 |
| Net operating income to assets | 2.2513% | 192 |
| Return on assets (ROA) | 2.2513% | 191 |
| Pretax return on assets | 2.2513% | 319 |
| Return on Equity (ROE) | 19.2039% | 266 |
| Retained earnings to average equity (ytd only) | 2.3974% | 4,450 |
| Net charge-offs to loans | 0.0250% | 2,944 |
| Credit loss provision to net charge-offs | 692.3077% | 485 |
| Earnings coverage of net charge-offs (x) | 124.0208% | 612 |
| Efficiency ratio | 34.7368% | 5,657 |
| Assets per employee ($millions) | 8.3535% | 556 |
| Cash dividends to net income (ytd only)* | 87.5168% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 966 |
| Loan loss allowance to noncurrent loans | 5,795.2381% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,138 |
| Noncurrent loans to loans | 0.0300% | 4,989 |
| Net loans and leases to total assets | 74.8555% | 1,782 |
| Net loans and leases to deposits | 85.0908% | 2,420 |
| Net loans and leases to core deposits | 90.2867% | 2,583 |
| Total domestic deposits to total assets | 87.9714% | 1,379 |
| Equity capital to assets | 11.7315% | 2,163 |
| Core capital (leverage) ratio | 11.9504% | 1,717 |
| Tier 1 risk-based capital ratio | 15.3032% | 2,792 |
| Total risk-based capital ratio | 16.5595% | 2,728 |
| Memoranda: | ||
| Average total assets | $90,136,500 | 4,468 |
| Average earning assets | $87,797,750 | 4,381 |
| Average equity | $10,567,000 | 4,408 |
| Average total loans | $69,292,000 | 4,010 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 1,977 |
| Cost of funding earning assets | 0.8011% | 520 |
| Net interest margin | 3.5486% | 3,220 |
| Noninterest income to average assets | 0.1362% | 5,369 |
| Noninterest expense to average assets | 1.3311% | 5,657 |
| Loan and lease loss provision to assets | 0.1340% | 1,553 |
| Net operating income to assets | 2.1239% | 249 |
| Return on assets (ROA) | 2.1239% | 253 |
| Pretax return on assets | 2.1239% | 425 |
| Return on Equity (ROE) | 18.1212% | 323 |
| Retained earnings to average equity (ytd only) | -2.4962% | 5,381 |
| Net charge-offs to loans | -0.0029% | 4,226 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0877% | 5,681 |
| Assets per employee ($millions) | 8.0562% | 605 |
| Cash dividends to net income (ytd only)* | 113.7750% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 1,031 |
| Loan loss allowance to noncurrent loans | 2,934.1463% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 5,048 |
| Noncurrent loans to loans | 0.0584% | 4,894 |
| Net loans and leases to total assets | 77.8296% | 1,269 |
| Net loans and leases to deposits | 88.5299% | 1,923 |
| Net loans and leases to core deposits | 92.5326% | 2,291 |
| Total domestic deposits to total assets | 87.9133% | 1,500 |
| Equity capital to assets | 11.8023% | 2,070 |
| Core capital (leverage) ratio | 11.8594% | 1,719 |
| Tier 1 risk-based capital ratio | 15.2472% | 2,828 |
| Total risk-based capital ratio | 16.5039% | 2,752 |
| Memoranda: | ||
| Average total assets | $89,552,330 | 4,502 |
| Average earning assets | $87,132,670 | 4,415 |
| Average equity | $10,496,000 | 4,437 |
| Average total loans | $69,055,670 | 4,041 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,186 |
| Cost of funding earning assets | 0.7874% | 535 |
| Net interest margin | 3.4381% | 3,493 |
| Noninterest income to average assets | 0.1289% | 5,474 |
| Noninterest expense to average assets | 1.2264% | 5,761 |
| Loan and lease loss provision to assets | 0.1333% | 1,434 |
| Net operating income to assets | 2.1062% | 258 |
| Return on assets (ROA) | 2.1062% | 265 |
| Pretax return on assets | 2.1062% | 405 |
| Return on Equity (ROE) | 18.0322% | 339 |
| Retained earnings to average equity (ytd only) | -5.7444% | 5,432 |
| Net charge-offs to loans | -0.0058% | 4,231 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3846% | 5,760 |
| Assets per employee ($millions) | 8.1605% | 575 |
| Cash dividends to net income (ytd only)* | 131.8565% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 1,106 |
| Loan loss allowance to noncurrent loans | 2,663.6364% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,106 |
| Noncurrent loans to loans | 0.0646% | 4,941 |
| Net loans and leases to total assets | 74.6274% | 1,640 |
| Net loans and leases to deposits | 84.7042% | 2,191 |
| Net loans and leases to core deposits | 88.8898% | 2,466 |
| Total domestic deposits to total assets | 88.1035% | 1,656 |
| Equity capital to assets | 11.6291% | 2,089 |
| Core capital (leverage) ratio | 11.7220% | 1,815 |
| Tier 1 risk-based capital ratio | 14.9768% | 2,974 |
| Total risk-based capital ratio | 16.2322% | 2,902 |
| Memoranda: | ||
| Average total assets | $90,019,500 | 4,542 |
| Average earning assets | $87,375,000 | 4,456 |
| Average equity | $10,514,500 | 4,465 |
| Average total loans | $68,496,500 | 4,082 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 1,780 |
| Cost of funding earning assets | 0.7667% | 591 |
| Net interest margin | 3.6471% | 2,899 |
| Noninterest income to average assets | 0.1612% | 5,405 |
| Noninterest expense to average assets | 1.7433% | 5,522 |
| Loan and lease loss provision to assets | 0.1382% | 1,805 |
| Net operating income to assets | 1.8343% | 417 |
| Return on assets (ROA) | 1.8343% | 434 |
| Pretax return on assets | 1.8343% | 729 |
| Return on Equity (ROE) | 15.2656% | 595 |
| Retained earnings to average equity (ytd only) | 1.5237% | 4,654 |
| Net charge-offs to loans | -0.0344% | 5,292 |
| Credit loss provision to net charge-offs | -521.7391% | 5,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9166% | 5,614 |
| Assets per employee ($millions) | 7.5228% | 723 |
| Cash dividends to net income (ytd only)* | 90.0188% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 1,237 |
| Loan loss allowance to noncurrent loans | 2,852.5000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 5,167 |
| Noncurrent loans to loans | 0.0581% | 5,016 |
| Net loans and leases to total assets | 74.9837% | 1,695 |
| Net loans and leases to deposits | 85.2057% | 2,276 |
| Net loans and leases to core deposits | 89.6675% | 2,536 |
| Total domestic deposits to total assets | 88.0031% | 1,630 |
| Equity capital to assets | 11.7311% | 1,987 |
| Core capital (leverage) ratio | 11.9187% | 1,651 |
| Tier 1 risk-based capital ratio | 14.7862% | 3,054 |
| Total risk-based capital ratio | 16.0400% | 3,000 |
| Memoranda: | ||
| Average total assets | $86,846,800 | 4,605 |
| Average earning assets | $84,643,400 | 4,504 |
| Average equity | $10,435,200 | 4,507 |
| Average total loans | $66,811,600 | 4,124 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 1,702 |
| Cost of funding earning assets | 0.7579% | 615 |
| Net interest margin | 3.6913% | 2,751 |
| Noninterest income to average assets | 0.1659% | 5,436 |
| Noninterest expense to average assets | 1.2792% | 5,877 |
| Loan and lease loss provision to assets | 0.1396% | 1,680 |
| Net operating income to assets | 2.3568% | 197 |
| Return on assets (ROA) | 2.3568% | 206 |
| Pretax return on assets | 2.3568% | 278 |
| Return on Equity (ROE) | 19.4933% | 268 |
| Retained earnings to average equity (ytd only) | 1.5133% | 4,907 |
| Net charge-offs to loans | -0.0463% | 5,342 |
| Credit loss provision to net charge-offs | -391.3043% | 5,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8809% | 5,910 |
| Assets per employee ($millions) | 7.3806% | 765 |
| Cash dividends to net income (ytd only)* | 92.2368% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 1,371 |
| Loan loss allowance to noncurrent loans | 2,645.2381% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 5,277 |
| Noncurrent loans to loans | 0.0618% | 5,107 |
| Net loans and leases to total assets | 75.5247% | 1,608 |
| Net loans and leases to deposits | 86.0012% | 2,257 |
| Net loans and leases to core deposits | 90.1349% | 2,564 |
| Total domestic deposits to total assets | 87.8183% | 1,493 |
| Equity capital to assets | 11.9108% | 2,177 |
| Core capital (leverage) ratio | 12.0392% | 1,650 |
| Tier 1 risk-based capital ratio | 14.9521% | 3,078 |
| Total risk-based capital ratio | 16.2065% | 3,002 |
| Memoranda: | ||
| Average total assets | $85,990,250 | 4,649 |
| Average earning assets | $84,088,500 | 4,552 |
| Average equity | $10,396,500 | 4,555 |
| Average total loans | $66,306,750 | 4,162 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 1,631 |
| Cost of funding earning assets | 0.7483% | 637 |
| Net interest margin | 3.7152% | 2,636 |
| Noninterest income to average assets | 0.1645% | 5,500 |
| Noninterest expense to average assets | 1.3156% | 5,936 |
| Loan and lease loss provision to assets | 0.1410% | 1,613 |
| Net operating income to assets | 2.3470% | 188 |
| Return on assets (ROA) | 2.3470% | 199 |
| Pretax return on assets | 2.3470% | 281 |
| Return on Equity (ROE) | 19.3124% | 276 |
| Retained earnings to average equity (ytd only) | -2.8031% | 5,611 |
| Net charge-offs to loans | -0.0669% | 5,476 |
| Credit loss provision to net charge-offs | -272.7273% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5893% | 5,980 |
| Assets per employee ($millions) | 7.0933% | 843 |
| Cash dividends to net income (ytd only)* | 114.5145% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 1,485 |
| Loan loss allowance to noncurrent loans | 2,769.2308% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 5,383 |
| Noncurrent loans to loans | 0.0583% | 5,218 |
| Net loans and leases to total assets | 77.2697% | 1,292 |
| Net loans and leases to deposits | 88.1450% | 1,977 |
| Net loans and leases to core deposits | 91.8565% | 2,365 |
| Total domestic deposits to total assets | 87.6621% | 1,594 |
| Equity capital to assets | 12.0841% | 2,068 |
| Core capital (leverage) ratio | 12.1025% | 1,558 |
| Tier 1 risk-based capital ratio | 15.2059% | 2,984 |
| Total risk-based capital ratio | 16.4609% | 2,914 |
| Memoranda: | ||
| Average total assets | $85,131,330 | 4,706 |
| Average earning assets | $83,387,670 | 4,602 |
| Average equity | $10,345,670 | 4,591 |
| Average total loans | $65,742,000 | 4,197 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 1,538 |
| Cost of funding earning assets | 0.7338% | 680 |
| Net interest margin | 3.7551% | 2,455 |
| Noninterest income to average assets | 0.1691% | 5,478 |
| Noninterest expense to average assets | 1.1746% | 6,037 |
| Loan and lease loss provision to assets | 0.1409% | 1,495 |
| Net operating income to assets | 2.5324% | 149 |
| Return on assets (ROA) | 2.5324% | 151 |
| Pretax return on assets | 2.5324% | 229 |
| Return on Equity (ROE) | 20.7797% | 202 |
| Retained earnings to average equity (ytd only) | -4.2793% | 5,565 |
| Net charge-offs to loans | -0.1350% | 5,740 |
| Credit loss provision to net charge-offs | -136.3636% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5250% | 6,070 |
| Assets per employee ($millions) | 7.7218% | 630 |
| Cash dividends to net income (ytd only)* | 120.5937% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,651 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,426 |
| Noncurrent loans to loans | 0.0634% | 5,229 |
| Net loans and leases to total assets | 76.7401% | 1,288 |
| Net loans and leases to deposits | 87.5857% | 1,873 |
| Net loans and leases to core deposits | 91.2748% | 2,251 |
| Total domestic deposits to total assets | 87.6171% | 1,856 |
| Equity capital to assets | 12.1498% | 1,919 |
| Core capital (leverage) ratio | 12.2122% | 1,493 |
| Tier 1 risk-based capital ratio | 15.2749% | 3,027 |
| Total risk-based capital ratio | 16.5300% | 2,969 |
| Memoranda: | ||
| Average total assets | $85,137,000 | 4,749 |
| Average earning assets | $83,405,500 | 4,635 |
| Average equity | $10,375,500 | 4,599 |
| Average total loans | $65,187,000 | 4,238 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,394 |
| Cost of funding earning assets | 0.7325% | 693 |
| Net interest margin | 3.5149% | 3,467 |
| Noninterest income to average assets | 0.1770% | 5,524 |
| Noninterest expense to average assets | 1.6591% | 5,883 |
| Loan and lease loss provision to assets | 0.1435% | 1,651 |
| Net operating income to assets | 1.8170% | 472 |
| Return on assets (ROA) | 1.8170% | 482 |
| Pretax return on assets | 1.8182% | 778 |
| Return on Equity (ROE) | 14.8204% | 715 |
| Retained earnings to average equity (ytd only) | 1.4830% | 4,877 |
| Net charge-offs to loans | 0.0112% | 4,084 |
| Credit loss provision to net charge-offs | 1,714.2857% | 202 |
| Earnings coverage of net charge-offs (x) | 234.2857% | 302 |
| Efficiency ratio | 45.8209% | 5,930 |
| Assets per employee ($millions) | 7.7576% | 623 |
| Cash dividends to net income (ytd only)* | 89.9934% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,776 |
| Loan loss allowance to noncurrent loans | 2,217.7778% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 5,461 |
| Noncurrent loans to loans | 0.0702% | 5,233 |
| Net loans and leases to total assets | 73.9951% | 1,730 |
| Net loans and leases to deposits | 84.5299% | 2,299 |
| Net loans and leases to core deposits | 87.7718% | 2,623 |
| Total domestic deposits to total assets | 87.5372% | 1,871 |
| Equity capital to assets | 12.2237% | 1,797 |
| Core capital (leverage) ratio | 12.5025% | 1,352 |
| Tier 1 risk-based capital ratio | 15.6749% | 2,849 |
| Total risk-based capital ratio | 16.9281% | 2,776 |
| Memoranda: | ||
| Average total assets | $83,599,200 | 4,798 |
| Average earning assets | $81,909,600 | 4,678 |
| Average equity | $10,249,400 | 4,610 |
| Average total loans | $62,454,800 | 4,308 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,398 |
| Cost of funding earning assets | 0.7330% | 705 |
| Net interest margin | 3.5177% | 3,473 |
| Noninterest income to average assets | 0.1812% | 5,571 |
| Noninterest expense to average assets | 1.2601% | 6,159 |
| Loan and lease loss provision to assets | 0.1443% | 1,524 |
| Net operating income to assets | 2.2220% | 246 |
| Return on assets (ROA) | 2.2220% | 258 |
| Pretax return on assets | 2.2236% | 389 |
| Return on Equity (ROE) | 18.1101% | 395 |
| Retained earnings to average equity (ytd only) | 0.8885% | 5,352 |
| Net charge-offs to loans | -0.0021% | 4,710 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7327% | 6,196 |
| Assets per employee ($millions) | 7.4485% | 707 |
| Cash dividends to net income (ytd only)* | 95.0940% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,980 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 5,542 |
| Noncurrent loans to loans | 0.0760% | 5,322 |
| Net loans and leases to total assets | 75.8754% | 1,403 |
| Net loans and leases to deposits | 87.1089% | 2,013 |
| Net loans and leases to core deposits | 90.6740% | 2,391 |
| Total domestic deposits to total assets | 87.1041% | 1,978 |
| Equity capital to assets | 12.6286% | 1,670 |
| Core capital (leverage) ratio | 12.6377% | 1,347 |
| Tier 1 risk-based capital ratio | 16.3892% | 2,628 |
| Total risk-based capital ratio | 17.6421% | 2,574 |
| Memoranda: | ||
| Average total assets | $83,165,500 | 4,865 |
| Average earning assets | $81,490,750 | 4,744 |
| Average equity | $10,204,000 | 4,675 |
| Average total loans | $62,033,250 | 4,360 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,568 |
| Cost of funding earning assets | 0.7323% | 709 |
| Net interest margin | 3.4588% | 3,664 |
| Noninterest income to average assets | 0.1699% | 5,686 |
| Noninterest expense to average assets | 1.2922% | 6,228 |
| Loan and lease loss provision to assets | 0.1436% | 1,514 |
| Net operating income to assets | 2.1226% | 302 |
| Return on assets (ROA) | 2.1226% | 316 |
| Pretax return on assets | 2.1250% | 474 |
| Return on Equity (ROE) | 17.4669% | 451 |
| Retained earnings to average equity (ytd only) | -3.7218% | 5,958 |
| Net charge-offs to loans | 0.0162% | 3,384 |
| Credit loss provision to net charge-offs | 1,200.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 189.6000% | 357 |
| Efficiency ratio | 36.2903% | 6,257 |
| Assets per employee ($millions) | 7.3963% | 701 |
| Cash dividends to net income (ytd only)* | 121.3078% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 2,252 |
| Loan loss allowance to noncurrent loans | 1,918.3673% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 5,621 |
| Noncurrent loans to loans | 0.0788% | 5,420 |
| Net loans and leases to total assets | 75.3230% | 1,463 |
| Net loans and leases to deposits | 86.5394% | 1,997 |
| Net loans and leases to core deposits | 89.7786% | 2,371 |
| Total domestic deposits to total assets | 87.0389% | 2,148 |
| Equity capital to assets | 12.4018% | 1,720 |
| Core capital (leverage) ratio | 12.2998% | 1,486 |
| Tier 1 risk-based capital ratio | 16.4431% | 2,635 |
| Total risk-based capital ratio | 17.6963% | 2,596 |
| Memoranda: | ||
| Average total assets | $83,576,330 | 4,908 |
| Average earning assets | $81,935,330 | 4,779 |
| Average equity | $10,156,330 | 4,713 |
| Average total loans | $61,663,330 | 4,417 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 2,764 |
| Cost of funding earning assets | 0.7233% | 761 |
| Net interest margin | 3.3945% | 3,865 |
| Noninterest income to average assets | 0.1889% | 5,573 |
| Noninterest expense to average assets | 1.1478% | 6,340 |
| Loan and lease loss provision to assets | 0.1417% | 1,443 |
| Net operating income to assets | 2.2247% | 224 |
| Return on assets (ROA) | 2.2247% | 234 |
| Pretax return on assets | 2.2247% | 368 |
| Return on Equity (ROE) | 18.4896% | 349 |
| Retained earnings to average equity (ytd only) | -7.0268% | 6,041 |
| Net charge-offs to loans | -0.0065% | 4,571 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6613% | 6,346 |
| Assets per employee ($millions) | 7.6606% | 628 |
| Cash dividends to net income (ytd only)* | 138.0042% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 2,273 |
| Loan loss allowance to noncurrent loans | 1,579.3103% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 5,656 |
| Noncurrent loans to loans | 0.0976% | 5,405 |
| Net loans and leases to total assets | 69.4352% | 2,215 |
| Net loans and leases to deposits | 79.1085% | 2,670 |
| Net loans and leases to core deposits | 81.9367% | 2,971 |
| Total domestic deposits to total assets | 87.7722% | 1,948 |
| Equity capital to assets | 11.9857% | 2,036 |
| Core capital (leverage) ratio | 12.2352% | 1,488 |
| Tier 1 risk-based capital ratio | 15.9258% | 2,955 |
| Total risk-based capital ratio | 17.1778% | 2,897 |
| Memoranda: | ||
| Average total assets | $84,685,000 | 4,924 |
| Average earning assets | $82,958,500 | 4,800 |
| Average equity | $10,189,500 | 4,738 |
| Average total loans | $61,384,000 | 4,457 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,401 |
| Cost of funding earning assets | 0.7790% | 724 |
| Net interest margin | 3.3006% | 4,565 |
| Noninterest income to average assets | 0.1917% | 5,708 |
| Noninterest expense to average assets | 1.5865% | 6,248 |
| Loan and lease loss provision to assets | 0.0855% | 2,763 |
| Net operating income to assets | 1.7538% | 520 |
| Return on assets (ROA) | 1.7538% | 531 |
| Pretax return on assets | 1.7538% | 885 |
| Return on Equity (ROE) | 14.2820% | 883 |
| Retained earnings to average equity (ytd only) | 5.3906% | 2,334 |
| Net charge-offs to loans | 0.0352% | 4,130 |
| Credit loss provision to net charge-offs | 350.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 75.3000% | 671 |
| Efficiency ratio | 46.3102% | 6,257 |
| Assets per employee ($millions) | 7.7366% | 597 |
| Cash dividends to net income (ytd only)* | 62.2563% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 2,965 |
| Loan loss allowance to noncurrent loans | 391.5929% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 4,967 |
| Noncurrent loans to loans | 0.3568% | 4,580 |
| Net loans and leases to total assets | 73.3887% | 1,689 |
| Net loans and leases to deposits | 89.7331% | 1,543 |
| Net loans and leases to core deposits | 91.7782% | 2,115 |
| Total domestic deposits to total assets | 81.7856% | 4,495 |
| Equity capital to assets | 12.0783% | 1,957 |
| Core capital (leverage) ratio | 12.6659% | 1,273 |
| Tier 1 risk-based capital ratio | 16.4680% | 2,726 |
| Total risk-based capital ratio | 17.7112% | 2,681 |
| Memoranda: | ||
| Average total assets | $81,879,000 | 5,015 |
| Average earning assets | $80,228,400 | 4,886 |
| Average equity | $10,054,600 | 4,741 |
| Average total loans | $56,839,200 | 4,586 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,491 |
| Cost of funding earning assets | 0.7902% | 724 |
| Net interest margin | 3.2783% | 4,686 |
| Noninterest income to average assets | 0.1974% | 5,746 |
| Noninterest expense to average assets | 1.2186% | 6,481 |
| Loan and lease loss provision to assets | 0.0773% | 2,794 |
| Net operating income to assets | 2.1149% | 275 |
| Return on assets (ROA) | 2.1149% | 284 |
| Pretax return on assets | 2.1149% | 439 |
| Return on Equity (ROE) | 17.1488% | 532 |
| Retained earnings to average equity (ytd only) | 8.4278% | 1,178 |
| Net charge-offs to loans | 0.0507% | 3,490 |
| Credit loss provision to net charge-offs | 223.8095% | 1,162 |
| Earnings coverage of net charge-offs (x) | 63.4746% | 831 |
| Efficiency ratio | 35.7281% | 6,509 |
| Assets per employee ($millions) | 8.0605% | 510 |
| Cash dividends to net income (ytd only)* | 50.8556% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 2,681 |
| Loan loss allowance to noncurrent loans | 1,266.1765% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 5,830 |
| Noncurrent loans to loans | 0.1189% | 5,574 |
| Net loans and leases to total assets | 69.8679% | 2,217 |
| Net loans and leases to deposits | 80.4402% | 2,626 |
| Net loans and leases to core deposits | 82.2542% | 3,080 |
| Total domestic deposits to total assets | 86.8569% | 2,395 |
| Equity capital to assets | 12.8640% | 1,495 |
| Core capital (leverage) ratio | 12.8697% | 1,238 |
| Tier 1 risk-based capital ratio | 17.7521% | 2,293 |
| Total risk-based capital ratio | 19.0053% | 2,254 |
| Memoranda: | ||
| Average total assets | $81,073,000 | 5,090 |
| Average earning assets | $79,471,000 | 4,951 |
| Average equity | $9,998,500 | 4,786 |
| Average total loans | $55,213,750 | 4,682 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,705 |
| Cost of funding earning assets | 0.7904% | 755 |
| Net interest margin | 3.2169% | 4,888 |
| Noninterest income to average assets | 0.1896% | 5,823 |
| Noninterest expense to average assets | 1.2385% | 6,542 |
| Loan and lease loss provision to assets | 0.0739% | 2,795 |
| Net operating income to assets | 2.0338% | 314 |
| Return on assets (ROA) | 2.0338% | 334 |
| Pretax return on assets | 2.0338% | 523 |
| Return on Equity (ROE) | 16.7291% | 581 |
| Retained earnings to average equity (ytd only) | 5.6304% | 2,555 |
| Net charge-offs to loans | 0.0770% | 2,919 |
| Credit loss provision to net charge-offs | 142.8571% | 1,500 |
| Earnings coverage of net charge-offs (x) | 40.7619% | 1,045 |
| Efficiency ratio | 37.0125% | 6,561 |
| Assets per employee ($millions) | 8.0316% | 489 |
| Cash dividends to net income (ytd only)* | 66.3438% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 2,688 |
| Loan loss allowance to noncurrent loans | 1,507.1429% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 5,962 |
| Noncurrent loans to loans | 0.1026% | 5,710 |
| Net loans and leases to total assets | 66.9393% | 2,597 |
| Net loans and leases to deposits | 76.7100% | 2,961 |
| Net loans and leases to core deposits | 78.4335% | 3,385 |
| Total domestic deposits to total assets | 87.2628% | 2,316 |
| Equity capital to assets | 12.4683% | 1,667 |
| Core capital (leverage) ratio | 12.5091% | 1,385 |
| Tier 1 risk-based capital ratio | 17.8662% | 2,289 |
| Total risk-based capital ratio | 19.1169% | 2,256 |
| Memoranda: | ||
| Average total assets | $81,229,000 | 5,133 |
| Average earning assets | $79,703,330 | 4,991 |
| Average equity | $9,875,000 | 4,833 |
| Average total loans | $54,559,000 | 4,733 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 3,706 |
| Cost of funding earning assets | 0.7840% | 811 |
| Net interest margin | 3.2110% | 4,889 |
| Noninterest income to average assets | 0.2057% | 5,711 |
| Noninterest expense to average assets | 1.1410% | 6,650 |
| Loan and lease loss provision to assets | 0.0735% | 2,671 |
| Net operating income to assets | 2.1399% | 265 |
| Return on assets (ROA) | 2.1399% | 278 |
| Pretax return on assets | 2.1399% | 395 |
| Return on Equity (ROE) | 17.8267% | 451 |
| Retained earnings to average equity (ytd only) | 5.5887% | 2,743 |
| Net charge-offs to loans | 0.0073% | 3,503 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 452.0000% | 94 |
| Efficiency ratio | 34.0146% | 6,653 |
| Assets per employee ($millions) | 8.1190% | 455 |
| Cash dividends to net income (ytd only)* | 68.6499% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 2,724 |
| Loan loss allowance to noncurrent loans | 1,230.4348% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,998 |
| Noncurrent loans to loans | 0.1297% | 5,717 |
| Net loans and leases to total assets | 64.4562% | 2,818 |
| Net loans and leases to deposits | 73.5889% | 3,117 |
| Net loans and leases to core deposits | 75.2178% | 3,500 |
| Total domestic deposits to total assets | 87.5896% | 2,468 |
| Equity capital to assets | 12.1616% | 1,770 |
| Core capital (leverage) ratio | 12.2061% | 1,531 |
| Tier 1 risk-based capital ratio | 17.3338% | 2,545 |
| Total risk-based capital ratio | 18.5872% | 2,505 |
| Memoranda: | ||
| Average total assets | $81,685,500 | 5,170 |
| Average earning assets | $80,099,000 | 5,024 |
| Average equity | $9,805,500 | 4,868 |
| Average total loans | $54,535,000 | 4,771 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,859 |
| Cost of funding earning assets | 0.8982% | 744 |
| Net interest margin | 3.1684% | 5,098 |
| Noninterest income to average assets | 0.2776% | 5,368 |
| Noninterest expense to average assets | 1.7541% | 6,385 |
| Loan and lease loss provision to assets | 0.0249% | 4,629 |
| Net operating income to assets | 1.5649% | 740 |
| Return on assets (ROA) | 1.5649% | 762 |
| Pretax return on assets | 1.5947% | 1,183 |
| Return on Equity (ROE) | 13.1722% | 1,135 |
| Retained earnings to average equity (ytd only) | 6.2141% | 1,838 |
| Net charge-offs to loans | 0.0231% | 4,966 |
| Credit loss provision to net charge-offs | 166.6667% | 1,366 |
| Earnings coverage of net charge-offs (x) | 108.4167% | 434 |
| Efficiency ratio | 51.9926% | 6,294 |
| Assets per employee ($millions) | 8.2181% | 428 |
| Cash dividends to net income (ytd only)* | 52.8242% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 3,226 |
| Loan loss allowance to noncurrent loans | 4,638.8889% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 6,337 |
| Noncurrent loans to loans | 0.0322% | 6,155 |
| Net loans and leases to total assets | 66.9912% | 2,520 |
| Net loans and leases to deposits | 80.7765% | 2,349 |
| Net loans and leases to core deposits | 82.6339% | 2,818 |
| Total domestic deposits to total assets | 82.9340% | 4,564 |
| Equity capital to assets | 11.8482% | 1,911 |
| Core capital (leverage) ratio | 12.0284% | 1,585 |
| Tier 1 risk-based capital ratio | 17.0936% | 2,568 |
| Total risk-based capital ratio | 18.3470% | 2,541 |
| Memoranda: | ||
| Average total assets | $80,327,000 | 5,231 |
| Average earning assets | $78,493,600 | 5,074 |
| Average equity | $9,542,800 | 4,960 |
| Average total loans | $51,893,000 | 4,895 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,966 |
| Cost of funding earning assets | 0.9287% | 712 |
| Net interest margin | 3.1128% | 5,286 |
| Noninterest income to average assets | 0.2104% | 5,916 |
| Noninterest expense to average assets | 1.2838% | 6,751 |
| Loan and lease loss provision to assets | 0.0334% | 4,353 |
| Net operating income to assets | 1.8915% | 440 |
| Return on assets (ROA) | 1.8915% | 453 |
| Pretax return on assets | 1.9316% | 673 |
| Return on Equity (ROE) | 15.9110% | 658 |
| Retained earnings to average equity (ytd only) | 12.0491% | 418 |
| Net charge-offs to loans | 0.0314% | 4,506 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 98.0806% | 505 |
| Efficiency ratio | 39.5170% | 6,763 |
| Assets per employee ($millions) | 8.0420% | 454 |
| Cash dividends to net income (ytd only)* | 24.2720% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 3,077 |
| Loan loss allowance to noncurrent loans | 4,394.7368% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 6,412 |
| Noncurrent loans to loans | 0.0360% | 6,235 |
| Net loans and leases to total assets | 64.5101% | 2,919 |
| Net loans and leases to deposits | 74.7881% | 3,115 |
| Net loans and leases to core deposits | 76.0801% | 3,608 |
| Total domestic deposits to total assets | 86.2571% | 3,102 |
| Equity capital to assets | 12.4372% | 1,620 |
| Core capital (leverage) ratio | 12.4501% | 1,445 |
| Tier 1 risk-based capital ratio | 18.3049% | 2,213 |
| Total risk-based capital ratio | 19.5586% | 2,174 |
| Memoranda: | ||
| Average total assets | $79,863,500 | 5,289 |
| Average earning assets | $77,955,000 | 5,138 |
| Average equity | $9,494,250 | 5,037 |
| Average total loans | $50,894,000 | 4,973 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,991 |
| Cost of funding earning assets | 0.9601% | 673 |
| Net interest margin | 3.0734% | 5,355 |
| Noninterest income to average assets | 0.2134% | 5,917 |
| Noninterest expense to average assets | 1.2802% | 6,802 |
| Loan and lease loss provision to assets | 0.0502% | 3,983 |
| Net operating income to assets | 1.8198% | 494 |
| Return on assets (ROA) | 1.8198% | 531 |
| Pretax return on assets | 1.8801% | 774 |
| Return on Equity (ROE) | 15.5496% | 726 |
| Retained earnings to average equity (ytd only) | 9.6515% | 926 |
| Net charge-offs to loans | 0.0080% | 4,726 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 384.5000% | 129 |
| Efficiency ratio | 39.8749% | 6,803 |
| Assets per employee ($millions) | 8.1719% | 430 |
| Cash dividends to net income (ytd only)* | 37.9310% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 2,769 |
| Loan loss allowance to noncurrent loans | 3,017.8571% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 6,415 |
| Noncurrent loans to loans | 0.0565% | 6,220 |
| Net loans and leases to total assets | 59.6532% | 3,719 |
| Net loans and leases to deposits | 67.8327% | 4,041 |
| Net loans and leases to core deposits | 68.9632% | 4,395 |
| Total domestic deposits to total assets | 87.9416% | 2,289 |
| Equity capital to assets | 11.7415% | 2,094 |
| Core capital (leverage) ratio | 11.8482% | 1,700 |
| Tier 1 risk-based capital ratio | 17.1655% | 2,653 |
| Total risk-based capital ratio | 18.4178% | 2,625 |
| Memoranda: | ||
| Average total assets | $79,678,000 | 5,326 |
| Average earning assets | $77,699,330 | 5,180 |
| Average equity | $9,325,000 | 5,100 |
| Average total loans | $50,287,330 | 5,011 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,883 |
| Cost of funding earning assets | 0.9983% | 616 |
| Net interest margin | 3.0628% | 5,390 |
| Noninterest income to average assets | 0.2238% | 5,875 |
| Noninterest expense to average assets | 1.1391% | 6,926 |
| Loan and lease loss provision to assets | 0.0763% | 3,357 |
| Net operating income to assets | 1.8663% | 424 |
| Return on assets (ROA) | 1.8663% | 465 |
| Pretax return on assets | 1.9884% | 602 |
| Return on Equity (ROE) | 15.9739% | 609 |
| Retained earnings to average equity (ytd only) | 4.0044% | 3,832 |
| Net charge-offs to loans | -0.0079% | 5,369 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5556% | 6,922 |
| Assets per employee ($millions) | 8.1377% | 461 |
| Cash dividends to net income (ytd only)* | 74.9319% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 3,000 |
| Loan loss allowance to noncurrent loans | 4,215.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 6,538 |
| Noncurrent loans to loans | 0.0404% | 6,366 |
| Net loans and leases to total assets | 59.8240% | 3,459 |
| Net loans and leases to deposits | 67.7300% | 3,798 |
| Net loans and leases to core deposits | 69.2504% | 4,161 |
| Total domestic deposits to total assets | 88.3272% | 2,113 |
| Equity capital to assets | 11.3496% | 2,584 |
| Core capital (leverage) ratio | 11.5141% | 1,875 |
| Tier 1 risk-based capital ratio | 16.1816% | 3,166 |
| Total risk-based capital ratio | 17.4343% | 3,113 |
| Memoranda: | ||
| Average total assets | $78,657,500 | 5,396 |
| Average earning assets | $76,532,500 | 5,250 |
| Average equity | $9,190,000 | 5,187 |
| Average total loans | $50,634,500 | 5,031 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 3,336 |
| Cost of funding earning assets | 1.1454% | 752 |
| Net interest margin | 3.3697% | 4,999 |
| Noninterest income to average assets | 0.2790% | 5,470 |
| Noninterest expense to average assets | 1.8612% | 6,538 |
| Loan and lease loss provision to assets | 0.1011% | 4,377 |
| Net operating income to assets | 0.9016% | 2,811 |
| Return on assets (ROA) | 0.9016% | 3,047 |
| Pretax return on assets | 1.5917% | 1,412 |
| Return on Equity (ROE) | 7.4317% | 3,380 |
| Retained earnings to average equity (ytd only) | 4.6545% | 2,941 |
| Net charge-offs to loans | -0.0178% | 6,538 |
| Credit loss provision to net charge-offs | -833.3333% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3701% | 6,431 |
| Assets per employee ($millions) | 7.5938% | 597 |
| Cash dividends to net income (ytd only)* | 37.3692% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 3,320 |
| Loan loss allowance to noncurrent loans | 3,938.0952% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 6,591 |
| Noncurrent loans to loans | 0.0406% | 6,408 |
| Net loans and leases to total assets | 67.0494% | 2,355 |
| Net loans and leases to deposits | 77.1829% | 2,631 |
| Net loans and leases to core deposits | 79.4421% | 3,085 |
| Total domestic deposits to total assets | 86.8709% | 2,900 |
| Equity capital to assets | 12.0414% | 2,019 |
| Core capital (leverage) ratio | 12.0427% | 1,548 |
| Tier 1 risk-based capital ratio | 17.3057% | 2,523 |
| Total risk-based capital ratio | 18.5605% | 2,497 |
| Memoranda: | ||
| Average total assets | $74,198,200 | 5,504 |
| Average earning assets | $72,114,200 | 5,368 |
| Average equity | $9,002,000 | 5,230 |
| Average total loans | $50,435,800 | 5,089 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 3,288 |
| Cost of funding earning assets | 1.1673% | 807 |
| Net interest margin | 3.4127% | 4,990 |
| Noninterest income to average assets | 0.3037% | 5,356 |
| Noninterest expense to average assets | 1.2725% | 7,055 |
| Loan and lease loss provision to assets | 0.0994% | 4,323 |
| Net operating income to assets | 1.5129% | 998 |
| Return on assets (ROA) | 1.5129% | 1,110 |
| Pretax return on assets | 2.2558% | 434 |
| Return on Equity (ROE) | 12.4460% | 1,486 |
| Retained earnings to average equity (ytd only) | 8.7286% | 1,336 |
| Net charge-offs to loans | -0.0213% | 6,511 |
| Credit loss provision to net charge-offs | -687.5000% | 6,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0772% | 7,081 |
| Assets per employee ($millions) | 7.5055% | 593 |
| Cash dividends to net income (ytd only)* | 29.8691% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 3,560 |
| Loan loss allowance to noncurrent loans | 3,838.0952% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 6,698 |
| Noncurrent loans to loans | 0.0414% | 6,513 |
| Net loans and leases to total assets | 66.5019% | 2,561 |
| Net loans and leases to deposits | 76.2659% | 2,941 |
| Net loans and leases to core deposits | 78.5104% | 3,391 |
| Total domestic deposits to total assets | 87.1974% | 2,560 |
| Equity capital to assets | 12.4069% | 1,959 |
| Core capital (leverage) ratio | 12.4662% | 1,426 |
| Tier 1 risk-based capital ratio | 17.6444% | 2,481 |
| Total risk-based capital ratio | 18.8968% | 2,450 |
| Memoranda: | ||
| Average total assets | $73,763,250 | 5,580 |
| Average earning assets | $71,846,750 | 5,435 |
| Average equity | $8,966,500 | 5,277 |
| Average total loans | $50,109,000 | 5,163 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 3,315 |
| Cost of funding earning assets | 1.1852% | 877 |
| Net interest margin | 3.4243% | 4,992 |
| Noninterest income to average assets | 0.3082% | 5,350 |
| Noninterest expense to average assets | 1.1973% | 7,143 |
| Loan and lease loss provision to assets | 0.0955% | 4,351 |
| Net operating income to assets | 1.5955% | 844 |
| Return on assets (ROA) | 1.5955% | 943 |
| Pretax return on assets | 2.3564% | 376 |
| Return on Equity (ROE) | 13.2184% | 1,306 |
| Retained earnings to average equity (ytd only) | 7.5695% | 1,831 |
| Net charge-offs to loans | -0.0120% | 6,315 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8102% | 7,153 |
| Assets per employee ($millions) | 7.3906% | 614 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 3,729 |
| Loan loss allowance to noncurrent loans | 729.9065% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 6,424 |
| Noncurrent loans to loans | 0.2141% | 6,154 |
| Net loans and leases to total assets | 66.5589% | 2,556 |
| Net loans and leases to deposits | 76.2332% | 2,953 |
| Net loans and leases to core deposits | 78.5096% | 3,449 |
| Total domestic deposits to total assets | 87.3096% | 2,590 |
| Equity capital to assets | 12.2588% | 1,963 |
| Core capital (leverage) ratio | 12.4154% | 1,391 |
| Tier 1 risk-based capital ratio | 16.7908% | 2,765 |
| Total risk-based capital ratio | 18.0437% | 2,720 |
| Memoranda: | ||
| Average total assets | $73,332,670 | 5,627 |
| Average earning assets | $71,546,670 | 5,477 |
| Average equity | $8,851,330 | 5,304 |
| Average total loans | $49,905,670 | 5,205 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 3,562 |
| Cost of funding earning assets | 1.2186% | 900 |
| Net interest margin | 3.3695% | 5,238 |
| Noninterest income to average assets | 0.3012% | 5,468 |
| Noninterest expense to average assets | 1.1609% | 7,219 |
| Loan and lease loss provision to assets | 0.0821% | 4,363 |
| Net operating income to assets | 1.6099% | 849 |
| Return on assets (ROA) | 1.6099% | 948 |
| Pretax return on assets | 2.3437% | 422 |
| Return on Equity (ROE) | 13.4446% | 1,297 |
| Retained earnings to average equity (ytd only) | 2.0121% | 5,261 |
| Net charge-offs to loans | -0.1043% | 6,800 |
| Credit loss provision to net charge-offs | -115.3846% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3664% | 7,217 |
| Assets per employee ($millions) | 7.3125% | 646 |
| Cash dividends to net income (ytd only)* | 85.0340% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,855 |
| Loan loss allowance to noncurrent loans | 713.8889% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 6,514 |
| Noncurrent loans to loans | 0.2197% | 6,248 |
| Net loans and leases to total assets | 66.1552% | 2,445 |
| Net loans and leases to deposits | 75.5226% | 2,884 |
| Net loans and leases to core deposits | 78.7447% | 3,224 |
| Total domestic deposits to total assets | 87.5966% | 2,590 |
| Equity capital to assets | 11.9918% | 2,046 |
| Core capital (leverage) ratio | 11.9798% | 1,600 |
| Tier 1 risk-based capital ratio | 16.6863% | 2,821 |
| Total risk-based capital ratio | 17.9156% | 2,783 |
| Memoranda: | ||
| Average total assets | $73,046,000 | 5,681 |
| Average earning assets | $71,227,500 | 5,522 |
| Average equity | $8,747,000 | 5,348 |
| Average total loans | $49,872,500 | 5,234 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 4,073 |
| Cost of funding earning assets | 1.3516% | 1,233 |
| Net interest margin | 3.3899% | 5,513 |
| Noninterest income to average assets | 0.2516% | 5,731 |
| Noninterest expense to average assets | 1.9603% | 6,746 |
| Loan and lease loss provision to assets | 0.1564% | 4,676 |
| Net operating income to assets | 0.8927% | 2,631 |
| Return on assets (ROA) | 0.8927% | 2,765 |
| Pretax return on assets | 1.4400% | 1,656 |
| Return on Equity (ROE) | 7.2945% | 3,250 |
| Retained earnings to average equity (ytd only) | 4.3907% | 3,049 |
| Net charge-offs to loans | 0.0294% | 6,031 |
| Credit loss provision to net charge-offs | 785.7143% | 281 |
| Earnings coverage of net charge-offs (x) | 80.2143% | 369 |
| Efficiency ratio | 55.1159% | 6,407 |
| Assets per employee ($millions) | 7.2967% | 630 |
| Cash dividends to net income (ytd only)* | 39.8089% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 4,154 |
| Loan loss allowance to noncurrent loans | 687.9630% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 6,582 |
| Noncurrent loans to loans | 0.2134% | 6,311 |
| Net loans and leases to total assets | 68.3254% | 2,329 |
| Net loans and leases to deposits | 80.1128% | 2,501 |
| Net loans and leases to core deposits | 83.0584% | 3,014 |
| Total domestic deposits to total assets | 85.2865% | 3,698 |
| Equity capital to assets | 11.9575% | 2,159 |
| Core capital (leverage) ratio | 12.2026% | 1,494 |
| Tier 1 risk-based capital ratio | 16.6543% | 2,753 |
| Total risk-based capital ratio | 17.9064% | 2,712 |
| Memoranda: | ||
| Average total assets | $70,347,600 | 5,732 |
| Average earning assets | $68,586,000 | 5,587 |
| Average equity | $8,609,200 | 5,381 |
| Average total loans | $47,667,000 | 5,360 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 4,058 |
| Cost of funding earning assets | 1.3861% | 1,290 |
| Net interest margin | 3.4044% | 5,553 |
| Noninterest income to average assets | 0.3023% | 5,448 |
| Noninterest expense to average assets | 1.3296% | 7,302 |
| Loan and lease loss provision to assets | 0.1722% | 4,316 |
| Net operating income to assets | 1.6128% | 755 |
| Return on assets (ROA) | 1.6128% | 826 |
| Pretax return on assets | 2.1178% | 496 |
| Return on Equity (ROE) | 13.0995% | 1,253 |
| Retained earnings to average equity (ytd only) | 9.2148% | 1,074 |
| Net charge-offs to loans | 0.0398% | 5,595 |
| Credit loss provision to net charge-offs | 642.8571% | 420 |
| Earnings coverage of net charge-offs (x) | 85.4826% | 415 |
| Efficiency ratio | 36.7336% | 7,308 |
| Assets per employee ($millions) | 7.0466% | 728 |
| Cash dividends to net income (ytd only)* | 29.6565% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 3,905 |
| Loan loss allowance to noncurrent loans | 390.8108% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,403 |
| Noncurrent loans to loans | 0.3952% | 6,066 |
| Net loans and leases to total assets | 65.4117% | 3,030 |
| Net loans and leases to deposits | 75.3387% | 3,448 |
| Net loans and leases to core deposits | 78.1502% | 3,882 |
| Total domestic deposits to total assets | 86.8234% | 2,760 |
| Equity capital to assets | 12.6870% | 1,794 |
| Core capital (leverage) ratio | 12.5165% | 1,427 |
| Tier 1 risk-based capital ratio | 18.0195% | 2,245 |
| Total risk-based capital ratio | 19.2712% | 2,205 |
| Memoranda: | ||
| Average total assets | $69,692,750 | 5,791 |
| Average earning assets | $67,910,750 | 5,655 |
| Average equity | $8,580,250 | 5,417 |
| Average total loans | $46,934,250 | 5,428 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 4,022 |
| Cost of funding earning assets | 1.4118% | 1,366 |
| Net interest margin | 3.4056% | 5,535 |
| Noninterest income to average assets | 0.3053% | 5,456 |
| Noninterest expense to average assets | 1.3509% | 7,378 |
| Loan and lease loss provision to assets | 0.1728% | 4,201 |
| Net operating income to assets | 1.5986% | 737 |
| Return on assets (ROA) | 1.5986% | 780 |
| Pretax return on assets | 2.1027% | 488 |
| Return on Equity (ROE) | 13.1201% | 1,173 |
| Retained earnings to average equity (ytd only) | 7.2101% | 1,782 |
| Net charge-offs to loans | 0.0596% | 5,052 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 56.4286% | 565 |
| Efficiency ratio | 37.2518% | 7,374 |
| Assets per employee ($millions) | 7.0656% | 700 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 4,253 |
| Loan loss allowance to noncurrent loans | 370.5882% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 6,470 |
| Noncurrent loans to loans | 0.3969% | 6,107 |
| Net loans and leases to total assets | 65.7057% | 3,088 |
| Net loans and leases to deposits | 75.3066% | 3,596 |
| Net loans and leases to core deposits | 77.1218% | 4,174 |
| Total domestic deposits to total assets | 87.2509% | 2,597 |
| Equity capital to assets | 12.2452% | 1,938 |
| Core capital (leverage) ratio | 12.2563% | 1,476 |
| Tier 1 risk-based capital ratio | 17.0688% | 2,492 |
| Total risk-based capital ratio | 18.2998% | 2,473 |
| Memoranda: | ||
| Average total assets | $69,435,000 | 5,841 |
| Average earning assets | $67,712,670 | 5,707 |
| Average equity | $8,460,330 | 5,468 |
| Average total loans | $46,973,670 | 5,481 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 4,127 |
| Cost of funding earning assets | 1.4460% | 1,404 |
| Net interest margin | 3.3384% | 5,649 |
| Noninterest income to average assets | 0.3197% | 5,364 |
| Noninterest expense to average assets | 1.2554% | 7,476 |
| Loan and lease loss provision to assets | 0.1744% | 3,878 |
| Net operating income to assets | 1.6564% | 617 |
| Return on assets (ROA) | 1.6564% | 649 |
| Pretax return on assets | 2.1504% | 429 |
| Return on Equity (ROE) | 13.6290% | 1,056 |
| Retained earnings to average equity (ytd only) | 1.6737% | 5,117 |
| Net charge-offs to loans | 0.1279% | 3,751 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 915 |
| Efficiency ratio | 35.0649% | 7,458 |
| Assets per employee ($millions) | 6.9266% | 766 |
| Cash dividends to net income (ytd only)* | 87.7193% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 4,564 |
| Loan loss allowance to noncurrent loans | 350.2646% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 6,502 |
| Noncurrent loans to loans | 0.4057% | 6,187 |
| Net loans and leases to total assets | 66.3038% | 2,929 |
| Net loans and leases to deposits | 75.9786% | 3,423 |
| Net loans and leases to core deposits | 78.8497% | 3,918 |
| Total domestic deposits to total assets | 87.2665% | 2,790 |
| Equity capital to assets | 12.1012% | 1,858 |
| Core capital (leverage) ratio | 12.0872% | 1,515 |
| Tier 1 risk-based capital ratio | 17.1797% | 2,410 |
| Total risk-based capital ratio | 18.4116% | 2,390 |
| Memoranda: | ||
| Average total assets | $68,824,500 | 5,908 |
| Average earning assets | $67,218,500 | 5,757 |
| Average equity | $8,364,500 | 5,500 |
| Average total loans | $46,901,500 | 5,524 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 4,105 |
| Cost of funding earning assets | 1.6835% | 1,668 |
| Net interest margin | 3.4146% | 5,576 |
| Noninterest income to average assets | 0.3187% | 5,514 |
| Noninterest expense to average assets | 2.1102% | 6,821 |
| Loan and lease loss provision to assets | 0.1340% | 5,830 |
| Net operating income to assets | 0.8384% | 2,640 |
| Return on assets (ROA) | 0.8384% | 2,777 |
| Pretax return on assets | 1.3850% | 1,699 |
| Return on Equity (ROE) | 6.8072% | 3,212 |
| Retained earnings to average equity (ytd only) | 3.7845% | 3,213 |
| Net charge-offs to loans | -0.0022% | 7,238 |
| Credit loss provision to net charge-offs | -9,000.0000% | 7,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1453% | 6,323 |
| Assets per employee ($millions) | 6.8383% | 805 |
| Cash dividends to net income (ytd only)* | 44.4050% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,656 |
| Loan loss allowance to noncurrent loans | 338.7435% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 6,552 |
| Noncurrent loans to loans | 0.4045% | 6,236 |
| Net loans and leases to total assets | 68.0988% | 2,965 |
| Net loans and leases to deposits | 78.3129% | 3,463 |
| Net loans and leases to core deposits | 79.5083% | 4,276 |
| Total domestic deposits to total assets | 86.9573% | 2,841 |
| Equity capital to assets | 12.2063% | 1,785 |
| Core capital (leverage) ratio | 12.2211% | 1,421 |
| Tier 1 risk-based capital ratio | 17.3131% | 2,226 |
| Total risk-based capital ratio | 18.5638% | 2,194 |
| Memoranda: | ||
| Average total assets | $67,149,000 | 5,957 |
| Average earning assets | $65,102,600 | 5,826 |
| Average equity | $8,270,600 | 5,629 |
| Average total loans | $45,969,600 | 5,646 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 4,155 |
| Cost of funding earning assets | 1.7270% | 1,733 |
| Net interest margin | 3.4065% | 5,657 |
| Noninterest income to average assets | 0.3271% | 5,541 |
| Noninterest expense to average assets | 1.4262% | 7,584 |
| Loan and lease loss provision to assets | 0.1197% | 5,835 |
| Net operating income to assets | 1.6277% | 704 |
| Return on assets (ROA) | 1.6277% | 770 |
| Pretax return on assets | 2.0785% | 531 |
| Return on Equity (ROE) | 13.1851% | 1,211 |
| Retained earnings to average equity (ytd only) | 9.1456% | 1,011 |
| Net charge-offs to loans | -0.0029% | 7,182 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3506% | 7,595 |
| Assets per employee ($millions) | 6.7267% | 873 |
| Cash dividends to net income (ytd only)* | 30.6378% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 4,772 |
| Loan loss allowance to noncurrent loans | 265.9483% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 6,520 |
| Noncurrent loans to loans | 0.5021% | 6,195 |
| Net loans and leases to total assets | 67.7717% | 3,274 |
| Net loans and leases to deposits | 78.2694% | 3,780 |
| Net loans and leases to core deposits | 79.4742% | 4,592 |
| Total domestic deposits to total assets | 86.5878% | 2,765 |
| Equity capital to assets | 12.7849% | 1,691 |
| Core capital (leverage) ratio | 12.6962% | 1,333 |
| Tier 1 risk-based capital ratio | 18.1784% | 1,978 |
| Total risk-based capital ratio | 19.4297% | 1,933 |
| Memoranda: | ||
| Average total assets | $66,840,500 | 6,031 |
| Average earning assets | $64,697,250 | 5,903 |
| Average equity | $8,251,500 | 5,714 |
| Average total loans | $45,658,250 | 5,755 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 4,306 |
| Cost of funding earning assets | 1.7571% | 1,833 |
| Net interest margin | 3.3717% | 5,750 |
| Noninterest income to average assets | 0.3238% | 5,565 |
| Noninterest expense to average assets | 1.3973% | 7,670 |
| Loan and lease loss provision to assets | 0.1199% | 5,700 |
| Net operating income to assets | 1.6312% | 679 |
| Return on assets (ROA) | 1.6312% | 730 |
| Pretax return on assets | 2.0690% | 522 |
| Return on Equity (ROE) | 13.3738% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.2277% | 1,741 |
| Net charge-offs to loans | -0.0132% | 7,236 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9632% | 7,658 |
| Assets per employee ($millions) | 6.7175% | 875 |
| Cash dividends to net income (ytd only)* | 45.9559% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,900 |
| Loan loss allowance to noncurrent loans | 205.8419% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 6,373 |
| Noncurrent loans to loans | 0.6332% | 5,979 |
| Net loans and leases to total assets | 67.5207% | 3,491 |
| Net loans and leases to deposits | 77.6541% | 4,052 |
| Net loans and leases to core deposits | 80.2608% | 4,666 |
| Total domestic deposits to total assets | 86.9505% | 2,553 |
| Equity capital to assets | 12.3975% | 1,866 |
| Core capital (leverage) ratio | 12.5382% | 1,397 |
| Tier 1 risk-based capital ratio | 17.1885% | 2,208 |
| Total risk-based capital ratio | 18.4248% | 2,170 |
| Memoranda: | ||
| Average total assets | $66,698,330 | 6,075 |
| Average earning assets | $64,536,670 | 5,942 |
| Average equity | $8,135,330 | 5,752 |
| Average total loans | $45,476,000 | 5,792 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0846% | 4,606 |
| Cost of funding earning assets | 1.7883% | 1,927 |
| Net interest margin | 3.2963% | 5,987 |
| Noninterest income to average assets | 0.3009% | 5,744 |
| Noninterest expense to average assets | 1.3422% | 7,785 |
| Loan and lease loss provision to assets | 0.1204% | 5,383 |
| Net operating income to assets | 1.5649% | 803 |
| Return on assets (ROA) | 1.5649% | 860 |
| Pretax return on assets | 2.0223% | 581 |
| Return on Equity (ROE) | 12.9369% | 1,265 |
| Retained earnings to average equity (ytd only) | 0.4976% | 5,634 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5147% | 7,765 |
| Assets per employee ($millions) | 6.5884% | 951 |
| Cash dividends to net income (ytd only)* | 96.1538% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 5,000 |
| Loan loss allowance to noncurrent loans | 397.2414% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 6,907 |
| Noncurrent loans to loans | 0.3243% | 6,654 |
| Net loans and leases to total assets | 66.9981% | 3,635 |
| Net loans and leases to deposits | 76.8994% | 4,239 |
| Net loans and leases to core deposits | 79.7229% | 4,793 |
| Total domestic deposits to total assets | 87.1243% | 2,564 |
| Equity capital to assets | 12.2093% | 1,928 |
| Core capital (leverage) ratio | 12.1505% | 1,570 |
| Tier 1 risk-based capital ratio | 17.2500% | 2,174 |
| Total risk-based capital ratio | 18.4852% | 2,136 |
| Memoranda: | ||
| Average total assets | $66,460,000 | 6,153 |
| Average earning assets | $64,194,000 | 6,027 |
| Average equity | $8,039,000 | 5,828 |
| Average total loans | $45,236,000 | 5,872 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 4,152 |
| Cost of funding earning assets | 2.2185% | 1,949 |
| Net interest margin | 3.2794% | 5,823 |
| Noninterest income to average assets | 0.3223% | 5,784 |
| Noninterest expense to average assets | 2.1105% | 7,164 |
| Loan and lease loss provision to assets | 0.1173% | 6,471 |
| Net operating income to assets | 0.8558% | 2,326 |
| Return on assets (ROA) | 0.8558% | 2,403 |
| Pretax return on assets | 1.2766% | 1,763 |
| Return on Equity (ROE) | 6.8979% | 2,830 |
| Retained earnings to average equity (ytd only) | 3.7453% | 2,577 |
| Net charge-offs to loans | 0.0504% | 6,595 |
| Credit loss provision to net charge-offs | 340.9091% | 951 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 598 |
| Efficiency ratio | 60.2232% | 6,456 |
| Assets per employee ($millions) | 6.7036% | 902 |
| Cash dividends to net income (ytd only)* | 45.7038% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 5,266 |
| Loan loss allowance to noncurrent loans | 383.4483% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 6,925 |
| Noncurrent loans to loans | 0.3169% | 6,648 |
| Net loans and leases to total assets | 67.4250% | 3,828 |
| Net loans and leases to deposits | 78.9778% | 4,174 |
| Net loans and leases to core deposits | 91.6146% | 4,936 |
| Total domestic deposits to total assets | 85.3720% | 3,377 |
| Equity capital to assets | 11.9846% | 2,044 |
| Core capital (leverage) ratio | 12.2423% | 1,555 |
| Tier 1 risk-based capital ratio | 17.0947% | 2,128 |
| Total risk-based capital ratio | 18.2778% | 2,104 |
| Memoranda: | ||
| Average total assets | $63,919,600 | 6,205 |
| Average earning assets | $62,024,400 | 6,060 |
| Average equity | $7,930,000 | 5,946 |
| Average total loans | $43,675,200 | 5,948 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 4,070 |
| Cost of funding earning assets | 2.3141% | 1,931 |
| Net interest margin | 3.2497% | 5,835 |
| Noninterest income to average assets | 0.3231% | 5,892 |
| Noninterest expense to average assets | 1.4317% | 7,914 |
| Loan and lease loss provision to assets | 0.1372% | 5,978 |
| Net operating income to assets | 1.4887% | 836 |
| Return on assets (ROA) | 1.4887% | 889 |
| Pretax return on assets | 1.9153% | 640 |
| Return on Equity (ROE) | 11.8925% | 1,383 |
| Retained earnings to average equity (ytd only) | 7.6752% | 1,240 |
| Net charge-offs to loans | 0.0556% | 6,154 |
| Credit loss provision to net charge-offs | 361.1111% | 1,129 |
| Earnings coverage of net charge-offs (x) | 53.9988% | 596 |
| Efficiency ratio | 41.0909% | 7,902 |
| Assets per employee ($millions) | 6.4409% | 1,008 |
| Cash dividends to net income (ytd only)* | 35.4614% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 4,725 |
| Loan loss allowance to noncurrent loans | 341.6149% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 6,889 |
| Noncurrent loans to loans | 0.3701% | 6,608 |
| Net loans and leases to total assets | 66.6786% | 4,267 |
| Net loans and leases to deposits | 77.1429% | 4,877 |
| Net loans and leases to core deposits | 90.0677% | 5,425 |
| Total domestic deposits to total assets | 86.4351% | 2,457 |
| Equity capital to assets | 12.7203% | 1,817 |
| Core capital (leverage) ratio | 12.8784% | 1,418 |
| Tier 1 risk-based capital ratio | 17.9900% | 1,992 |
| Total risk-based capital ratio | 19.1977% | 1,952 |
| Memoranda: | ||
| Average total assets | $63,140,500 | 6,276 |
| Average earning assets | $61,420,000 | 6,128 |
| Average equity | $7,904,000 | 6,017 |
| Average total loans | $43,155,250 | 6,017 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 3,708 |
| Cost of funding earning assets | 2.3965% | 1,981 |
| Net interest margin | 3.2751% | 5,640 |
| Noninterest income to average assets | 0.3189% | 5,954 |
| Noninterest expense to average assets | 1.4414% | 7,996 |
| Loan and lease loss provision to assets | 0.1594% | 5,469 |
| Net operating income to assets | 1.4733% | 891 |
| Return on assets (ROA) | 1.4733% | 955 |
| Pretax return on assets | 1.9038% | 691 |
| Return on Equity (ROE) | 11.8345% | 1,470 |
| Retained earnings to average equity (ytd only) | 5.4306% | 2,279 |
| Net charge-offs to loans | 0.0139% | 6,351 |
| Credit loss provision to net charge-offs | 1,666.6667% | 308 |
| Earnings coverage of net charge-offs (x) | 215.6667% | 193 |
| Efficiency ratio | 41.1283% | 7,998 |
| Assets per employee ($millions) | 5.7148% | 1,411 |
| Cash dividends to net income (ytd only)* | 54.1126% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,431 |
| Loan loss allowance to noncurrent loans | 357.1429% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 6,870 |
| Noncurrent loans to loans | 0.3569% | 6,614 |
| Net loans and leases to total assets | 67.7680% | 4,191 |
| Net loans and leases to deposits | 78.4766% | 4,789 |
| Net loans and leases to core deposits | 92.2999% | 5,315 |
| Total domestic deposits to total assets | 86.3545% | 2,597 |
| Equity capital to assets | 12.6465% | 1,856 |
| Core capital (leverage) ratio | 12.6774% | 1,549 |
| Tier 1 risk-based capital ratio | 17.8764% | 2,054 |
| Total risk-based capital ratio | 19.1131% | 1,994 |
| Memoranda: | ||
| Average total assets | $62,717,670 | 6,345 |
| Average earning assets | $61,006,000 | 6,183 |
| Average equity | $7,807,670 | 6,086 |
| Average total loans | $43,041,330 | 6,064 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7355% | 3,610 |
| Cost of funding earning assets | 2.4703% | 2,026 |
| Net interest margin | 3.2653% | 5,637 |
| Noninterest income to average assets | 0.3193% | 5,897 |
| Noninterest expense to average assets | 1.2834% | 8,087 |
| Loan and lease loss provision to assets | 0.1916% | 4,521 |
| Net operating income to assets | 1.5835% | 807 |
| Return on assets (ROA) | 1.5835% | 886 |
| Pretax return on assets | 2.0177% | 647 |
| Return on Equity (ROE) | 12.8223% | 1,433 |
| Retained earnings to average equity (ytd only) | -0.1034% | 5,669 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7459% | 8,101 |
| Assets per employee ($millions) | 5.7512% | 1,362 |
| Cash dividends to net income (ytd only)* | 100.8065% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 4,318 |
| Loan loss allowance to noncurrent loans | 337.3418% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 6,762 |
| Noncurrent loans to loans | 0.3747% | 6,483 |
| Net loans and leases to total assets | 65.8078% | 4,627 |
| Net loans and leases to deposits | 75.8684% | 5,246 |
| Net loans and leases to core deposits | 87.8516% | 5,753 |
| Total domestic deposits to total assets | 86.7395% | 2,339 |
| Equity capital to assets | 12.2283% | 2,122 |
| Core capital (leverage) ratio | 12.3814% | 1,731 |
| Tier 1 risk-based capital ratio | 17.5471% | 2,173 |
| Total risk-based capital ratio | 18.7561% | 2,128 |
| Memoranda: | ||
| Average total assets | $62,645,000 | 6,374 |
| Average earning assets | $60,883,500 | 6,220 |
| Average equity | $7,736,500 | 6,144 |
| Average total loans | $42,986,500 | 6,092 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2306% | 4,349 |
| Cost of funding earning assets | 2.9367% | 2,114 |
| Net interest margin | 3.2939% | 6,061 |
| Noninterest income to average assets | 0.3735% | 5,707 |
| Noninterest expense to average assets | 2.1684% | 7,062 |
| Loan and lease loss provision to assets | 0.0773% | 6,431 |
| Net operating income to assets | 0.9197% | 2,920 |
| Return on assets (ROA) | 0.9197% | 2,767 |
| Pretax return on assets | 1.3293% | 2,206 |
| Return on Equity (ROE) | 7.3250% | 3,353 |
| Retained earnings to average equity (ytd only) | 4.3767% | 2,395 |
| Net charge-offs to loans | 0.0776% | 5,651 |
| Credit loss provision to net charge-offs | 146.8750% | 3,595 |
| Earnings coverage of net charge-offs (x) | 26.7188% | 1,273 |
| Efficiency ratio | 60.6535% | 6,232 |
| Assets per employee ($millions) | 6.2027% | 1,034 |
| Cash dividends to net income (ytd only)* | 40.2504% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 4,935 |
| Loan loss allowance to noncurrent loans | 433.6207% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 6,809 |
| Noncurrent loans to loans | 0.2648% | 6,581 |
| Net loans and leases to total assets | 69.8164% | 4,055 |
| Net loans and leases to deposits | 80.6725% | 4,928 |
| Net loans and leases to core deposits | 92.9591% | 5,551 |
| Total domestic deposits to total assets | 86.5430% | 2,157 |
| Equity capital to assets | 12.4736% | 2,029 |
| Core capital (leverage) ratio | 12.5316% | 1,739 |
| Tier 1 risk-based capital ratio | 17.3262% | 2,224 |
| Total risk-based capital ratio | 18.4526% | 2,206 |
| Memoranda: | ||
| Average total assets | $60,781,800 | 6,358 |
| Average earning assets | $59,079,000 | 6,218 |
| Average equity | $7,631,400 | 6,235 |
| Average total loans | $41,213,200 | 6,112 |