Home > State Bank of Bement > Performance and Condition Ratios
State Bank of Bement, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 3,034 |
| Cost of funding earning assets | 0.8322% | 3,657 |
| Net interest margin | 3.7065% | 1,755 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.8007% | 1,495 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8716% | 2,628 |
| Return on assets (ROA) | 0.8399% | 2,722 |
| Pretax return on assets | 1.0697% | 2,495 |
| Return on Equity (ROE) | 10.2500% | 2,420 |
| Retained earnings to average equity (ytd only) | 6.7031% | 1,988 |
| Net charge-offs to loans | 0.0101% | 2,273 |
| Credit loss provision to net charge-offs | 455.5556% | 720 |
| Earnings coverage of net charge-offs (x) | 216.5556% | 561 |
| Efficiency ratio | 71.1857% | 1,737 |
| Assets per employee ($millions) | 5.6508% | 3,113 |
| Cash dividends to net income (ytd only)* | 34.6260% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 3,696 |
| Loan loss allowance to noncurrent loans | 109.2326% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 1,208 |
| Noncurrent loans to loans | 0.8275% | 929 |
| Net loans and leases to total assets | 55.2300% | 3,259 |
| Net loans and leases to deposits | 68.0294% | 3,029 |
| Net loans and leases to core deposits | 72.5341% | 3,156 |
| Total domestic deposits to total assets | 81.1900% | 3,274 |
| Equity capital to assets | 8.3605% | 3,149 |
| Core capital (leverage) ratio | 9.8431% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $171,921,400 | 3,183 |
| Average earning assets | $161,501,200 | 3,156 |
| Average equity | $14,083,000 | 3,338 |
| Average total loans | $89,457,400 | 3,294 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 3,050 |
| Cost of funding earning assets | 0.7585% | 3,640 |
| Net interest margin | 3.6669% | 1,848 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.8356% | 1,354 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7936% | 3,040 |
| Return on assets (ROA) | 0.7936% | 3,039 |
| Pretax return on assets | 1.0088% | 2,830 |
| Return on Equity (ROE) | 9.7400% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.7411% | 1,475 |
| Net charge-offs to loans | -0.0015% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.1752% | 1,429 |
| Assets per employee ($millions) | 5.5907% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 3,306 |
| Loan loss allowance to noncurrent loans | 92.9221% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 1,028 |
| Noncurrent loans to loans | 1.0888% | 727 |
| Net loans and leases to total assets | 51.8800% | 3,506 |
| Net loans and leases to deposits | 59.8481% | 3,511 |
| Net loans and leases to core deposits | 63.7219% | 3,541 |
| Total domestic deposits to total assets | 86.6800% | 1,987 |
| Equity capital to assets | 8.0796% | 3,005 |
| Core capital (leverage) ratio | 10.0358% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $169,695,250 | 3,202 |
| Average earning assets | $159,438,500 | 3,183 |
| Average equity | $13,824,250 | 3,349 |
| Average total loans | $86,624,500 | 3,340 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 3,066 |
| Cost of funding earning assets | 0.6771% | 3,549 |
| Net interest margin | 3.6396% | 1,941 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.8382% | 1,345 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7633% | 3,180 |
| Return on assets (ROA) | 0.7633% | 3,194 |
| Pretax return on assets | 0.9710% | 2,991 |
| Return on Equity (ROE) | 9.3400% | 2,876 |
| Retained earnings to average equity (ytd only) | 9.3428% | 1,594 |
| Net charge-offs to loans | -0.0070% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.6145% | 1,390 |
| Assets per employee ($millions) | 5.4288% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,094 |
| Loan loss allowance to noncurrent loans | 98.5027% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 973 |
| Noncurrent loans to loans | 1.0853% | 668 |
| Net loans and leases to total assets | 50.6400% | 3,515 |
| Net loans and leases to deposits | 55.4563% | 3,670 |
| Net loans and leases to core deposits | 58.5586% | 3,691 |
| Total domestic deposits to total assets | 91.3200% | 552 |
| Equity capital to assets | 8.3337% | 2,997 |
| Core capital (leverage) ratio | 9.9192% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $168,489,333 | 3,220 |
| Average earning assets | $158,313,000 | 3,200 |
| Average equity | $13,764,667 | 3,375 |
| Average total loans | $85,222,667 | 3,363 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 2,937 |
| Cost of funding earning assets | 0.6124% | 3,343 |
| Net interest margin | 3.6337% | 2,049 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.7902% | 1,455 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7948% | 3,204 |
| Return on assets (ROA) | 0.7948% | 3,160 |
| Pretax return on assets | 0.9989% | 3,000 |
| Return on Equity (ROE) | 9.8300% | 2,840 |
| Retained earnings to average equity (ytd only) | 9.8280% | 1,737 |
| Net charge-offs to loans | -0.0142% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.3692% | 1,510 |
| Assets per employee ($millions) | 5.6315% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,907 |
| Loan loss allowance to noncurrent loans | 198.6900% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 1,787 |
| Noncurrent loans to loans | 0.5684% | 1,308 |
| Net loans and leases to total assets | 47.1500% | 3,697 |
| Net loans and leases to deposits | 51.6940% | 3,809 |
| Net loans and leases to core deposits | 53.8354% | 3,839 |
| Total domestic deposits to total assets | 91.2200% | 728 |
| Equity capital to assets | 8.3305% | 3,020 |
| Core capital (leverage) ratio | 9.4115% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $168,587,500 | 3,271 |
| Average earning assets | $158,077,500 | 3,248 |
| Average equity | $13,634,500 | 3,425 |
| Average total loans | $84,759,500 | 3,406 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3293% | 3,514 |
| Cost of funding earning assets | 0.1762% | 3,942 |
| Net interest margin | 3.1531% | 3,010 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.7486% | 1,440 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.4486% | 4,173 |
| Return on assets (ROA) | 0.4486% | 4,134 |
| Pretax return on assets | 0.5343% | 4,122 |
| Return on Equity (ROE) | 5.2000% | 3,982 |
| Retained earnings to average equity (ytd only) | 0.9463% | 4,211 |
| Net charge-offs to loans | 0.0385% | 1,324 |
| Credit loss provision to net charge-offs | 451.6129% | 726 |
| Earnings coverage of net charge-offs (x) | 33.8710% | 1,615 |
| Efficiency ratio | 81.6611% | 614 |
| Assets per employee ($millions) | 5.8010% | 2,948 |
| Cash dividends to net income (ytd only)* | 81.8063% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 3,662 |
| Loan loss allowance to noncurrent loans | 201.7032% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 1,931 |
| Noncurrent loans to loans | 0.4621% | 1,554 |
| Net loans and leases to total assets | 52.3800% | 3,331 |
| Net loans and leases to deposits | 60.3942% | 3,308 |
| Net loans and leases to core deposits | 62.9043% | 3,337 |
| Total domestic deposits to total assets | 86.7300% | 2,482 |
| Equity capital to assets | 7.8434% | 3,155 |
| Core capital (leverage) ratio | 9.7816% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $170,302,800 | 3,267 |
| Average earning assets | $156,670,400 | 3,270 |
| Average equity | $14,688,600 | 3,396 |
| Average total loans | $80,556,200 | 3,411 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 3,532 |
| Cost of funding earning assets | 0.1177% | 4,139 |
| Net interest margin | 3.0437% | 3,104 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.6811% | 1,514 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.3864% | 4,260 |
| Return on assets (ROA) | 0.3864% | 4,208 |
| Pretax return on assets | 0.4636% | 4,195 |
| Return on Equity (ROE) | 4.3800% | 4,093 |
| Retained earnings to average equity (ytd only) | 1.7262% | 4,078 |
| Net charge-offs to loans | 0.0493% | 991 |
| Credit loss provision to net charge-offs | 265.5172% | 870 |
| Earnings coverage of net charge-offs (x) | 23.1379% | 1,660 |
| Efficiency ratio | 83.6581% | 566 |
| Assets per employee ($millions) | 5.6433% | 3,082 |
| Cash dividends to net income (ytd only)* | 60.6061% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 3,607 |
| Loan loss allowance to noncurrent loans | 188.2353% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 1,978 |
| Noncurrent loans to loans | 0.5165% | 1,506 |
| Net loans and leases to total assets | 47.8000% | 3,646 |
| Net loans and leases to deposits | 51.9759% | 3,731 |
| Net loans and leases to core deposits | 52.8788% | 3,815 |
| Total domestic deposits to total assets | 91.9700% | 883 |
| Equity capital to assets | 7.7944% | 3,023 |
| Core capital (leverage) ratio | 10.0795% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $170,821,000 | 3,290 |
| Average earning assets | $156,382,250 | 3,298 |
| Average equity | $15,062,000 | 3,402 |
| Average total loans | $78,458,750 | 3,447 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8635% | 3,868 |
| Cost of funding earning assets | 0.1134% | 4,038 |
| Net interest margin | 2.7501% | 3,575 |
| Noninterest income to average assets | 0.4064% | 2,717 |
| Noninterest expense to average assets | 2.6096% | 1,610 |
| Loan and lease loss provision to assets | 0.0312% | 2,028 |
| Net operating income to assets | 0.2309% | 4,384 |
| Return on assets (ROA) | 0.2309% | 4,342 |
| Pretax return on assets | 0.2586% | 4,341 |
| Return on Equity (ROE) | 2.5267% | 4,291 |
| Retained earnings to average equity (ytd only) | -1.2634% | 4,318 |
| Net charge-offs to loans | 0.0741% | 718 |
| Credit loss provision to net charge-offs | 89.6552% | 1,345 |
| Earnings coverage of net charge-offs (x) | 8.6552% | 1,816 |
| Efficiency ratio | 90.0040% | 405 |
| Assets per employee ($millions) | 7.1756% | 1,825 |
| Cash dividends to net income (ytd only)* | 150.0000% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 3,825 |
| Loan loss allowance to noncurrent loans | 215.9639% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,503 |
| Noncurrent loans to loans | 0.4365% | 1,816 |
| Net loans and leases to total assets | 38.8837% | 4,126 |
| Net loans and leases to deposits | 42.2982% | 4,183 |
| Net loans and leases to core deposits | 42.9170% | 4,230 |
| Total domestic deposits to total assets | 91.9274% | 866 |
| Equity capital to assets | 8.0618% | 3,073 |
| Core capital (leverage) ratio | 9.5227% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,209,333 | 3,306 |
| Average earning assets | $157,011,000 | 3,337 |
| Average equity | $15,830,667 | 3,420 |
| Average total loans | $78,278,667 | 3,476 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8762% | 3,592 |
| Cost of funding earning assets | 0.1323% | 3,738 |
| Net interest margin | 2.7439% | 3,300 |
| Noninterest income to average assets | 0.4792% | 2,241 |
| Noninterest expense to average assets | 2.8560% | 1,050 |
| Loan and lease loss provision to assets | 0.0127% | 2,113 |
| Net operating income to assets | 0.1682% | 4,379 |
| Return on assets (ROA) | 0.1682% | 4,348 |
| Pretax return on assets | 0.1777% | 4,349 |
| Return on Equity (ROE) | 1.7469% | 4,298 |
| Retained earnings to average equity (ytd only) | 1.7469% | 3,618 |
| Net charge-offs to loans | 0.0663% | 665 |
| Credit loss provision to net charge-offs | 36.3636% | 1,239 |
| Earnings coverage of net charge-offs (x) | 5.4545% | 1,599 |
| Efficiency ratio | 93.7500% | 390 |
| Assets per employee ($millions) | 4.7710% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,534 |
| Loan loss allowance to noncurrent loans | 157.2840% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 1,862 |
| Noncurrent loans to loans | 0.6670% | 1,423 |
| Net loans and leases to total assets | 46.6448% | 3,522 |
| Net loans and leases to deposits | 51.4325% | 3,610 |
| Net loans and leases to core deposits | 52.3384% | 3,706 |
| Total domestic deposits to total assets | 90.6914% | 1,182 |
| Equity capital to assets | 9.2908% | 2,450 |
| Core capital (leverage) ratio | 9.2580% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,049,000 | 3,757 |
| Average earning assets | $117,933,000 | 3,744 |
| Average equity | $12,135,500 | 3,848 |
| Average total loans | $66,339,000 | 3,692 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4022% | 2,923 |
| Cost of funding earning assets | 0.1498% | 3,982 |
| Net interest margin | 3.2525% | 2,457 |
| Noninterest income to average assets | 0.4864% | 2,642 |
| Noninterest expense to average assets | 2.9216% | 1,112 |
| Loan and lease loss provision to assets | 0.0804% | 1,525 |
| Net operating income to assets | 0.4299% | 4,222 |
| Return on assets (ROA) | 0.4299% | 4,264 |
| Pretax return on assets | 0.5270% | 4,219 |
| Return on Equity (ROE) | 4.2496% | 4,163 |
| Retained earnings to average equity (ytd only) | -2.2822% | 4,637 |
| Net charge-offs to loans | 0.1714% | 562 |
| Credit loss provision to net charge-offs | 84.8739% | 1,918 |
| Earnings coverage of net charge-offs (x) | 6.4118% | 2,400 |
| Efficiency ratio | 82.7882% | 630 |
| Assets per employee ($millions) | 4.5660% | 4,065 |
| Cash dividends to net income (ytd only)* | 153.7037% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,076 |
| Loan loss allowance to noncurrent loans | 151.5294% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 1,847 |
| Noncurrent loans to loans | 0.5906% | 1,664 |
| Net loans and leases to total assets | 57.8438% | 2,392 |
| Net loans and leases to deposits | 67.4674% | 2,361 |
| Net loans and leases to core deposits | 68.7819% | 2,575 |
| Total domestic deposits to total assets | 85.7360% | 3,002 |
| Equity capital to assets | 9.9796% | 2,671 |
| Core capital (leverage) ratio | 9.7131% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,617,000 | 3,739 |
| Average earning assets | $117,511,200 | 3,717 |
| Average equity | $12,707,000 | 3,858 |
| Average total loans | $69,417,200 | 3,662 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 3,136 |
| Cost of funding earning assets | 0.1551% | 4,065 |
| Net interest margin | 3.2319% | 2,630 |
| Noninterest income to average assets | 0.4490% | 2,843 |
| Noninterest expense to average assets | 2.8155% | 1,305 |
| Loan and lease loss provision to assets | 0.0848% | 1,412 |
| Net operating income to assets | 0.4617% | 4,273 |
| Return on assets (ROA) | 0.4617% | 4,311 |
| Pretax return on assets | 0.5642% | 4,277 |
| Return on Equity (ROE) | 4.5491% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.9766% | 3,581 |
| Net charge-offs to loans | 0.1861% | 454 |
| Credit loss provision to net charge-offs | 83.3333% | 1,700 |
| Earnings coverage of net charge-offs (x) | 6.3958% | 2,179 |
| Efficiency ratio | 81.2748% | 684 |
| Assets per employee ($millions) | 4.5121% | 4,115 |
| Cash dividends to net income (ytd only)* | 12.5858% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 3,984 |
| Loan loss allowance to noncurrent loans | 136.2869% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 1,946 |
| Noncurrent loans to loans | 0.7026% | 1,579 |
| Net loans and leases to total assets | 52.8843% | 3,100 |
| Net loans and leases to deposits | 61.9721% | 3,041 |
| Net loans and leases to core deposits | 63.1548% | 3,210 |
| Total domestic deposits to total assets | 85.3356% | 3,008 |
| Equity capital to assets | 10.2984% | 2,613 |
| Core capital (leverage) ratio | 10.1780% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,200,750 | 3,766 |
| Average earning assets | $117,739,500 | 3,753 |
| Average equity | $12,808,000 | 3,898 |
| Average total loans | $68,782,750 | 3,724 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1335% | 3,795 |
| Cost of funding earning assets | 0.1638% | 4,097 |
| Net interest margin | 2.9696% | 3,393 |
| Noninterest income to average assets | 0.7784% | 1,588 |
| Noninterest expense to average assets | 2.8965% | 1,152 |
| Loan and lease loss provision to assets | 0.0793% | 1,527 |
| Net operating income to assets | 0.4645% | 4,281 |
| Return on assets (ROA) | 0.4645% | 4,324 |
| Pretax return on assets | 0.5612% | 4,293 |
| Return on Equity (ROE) | 4.5996% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.7362% | 3,608 |
| Net charge-offs to loans | 0.2485% | 354 |
| Credit loss provision to net charge-offs | 58.1395% | 1,567 |
| Earnings coverage of net charge-offs (x) | 4.6977% | 2,023 |
| Efficiency ratio | 81.8915% | 677 |
| Assets per employee ($millions) | 4.5204% | 4,091 |
| Cash dividends to net income (ytd only)* | 18.7713% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 4,044 |
| Loan loss allowance to noncurrent loans | 158.8832% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 2,516 |
| Noncurrent loans to loans | 0.5886% | 1,930 |
| Net loans and leases to total assets | 47.3243% | 3,795 |
| Net loans and leases to deposits | 54.4399% | 3,828 |
| Net loans and leases to core deposits | 55.4755% | 3,928 |
| Total domestic deposits to total assets | 86.9294% | 2,361 |
| Equity capital to assets | 9.1857% | 3,617 |
| Core capital (leverage) ratio | 10.1955% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0310% | 1,113 |
| Memoranda: | ||
| Average total assets | $126,154,333 | 3,783 |
| Average earning assets | $117,186,333 | 3,770 |
| Average equity | $12,740,333 | 3,913 |
| Average total loans | $69,223,667 | 3,739 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4087% | 3,169 |
| Cost of funding earning assets | 0.1767% | 4,106 |
| Net interest margin | 3.2319% | 2,596 |
| Noninterest income to average assets | 0.4766% | 2,721 |
| Noninterest expense to average assets | 2.9841% | 1,022 |
| Loan and lease loss provision to assets | 0.0671% | 1,810 |
| Net operating income to assets | 0.3860% | 4,387 |
| Return on assets (ROA) | 0.3860% | 4,415 |
| Pretax return on assets | 0.4330% | 4,442 |
| Return on Equity (ROE) | 3.6293% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.8936% | 4,029 |
| Net charge-offs to loans | 0.4605% | 179 |
| Credit loss provision to net charge-offs | 24.6914% | 1,403 |
| Earnings coverage of net charge-offs (x) | 1.8395% | 1,830 |
| Efficiency ratio | 85.6455% | 525 |
| Assets per employee ($millions) | 3.9682% | 4,496 |
| Cash dividends to net income (ytd only)* | 47.8261% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 4,128 |
| Loan loss allowance to noncurrent loans | 142.7553% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 2,430 |
| Noncurrent loans to loans | 0.6368% | 1,984 |
| Net loans and leases to total assets | 53.2569% | 3,318 |
| Net loans and leases to deposits | 61.8366% | 3,329 |
| Net loans and leases to core deposits | 63.7842% | 3,437 |
| Total domestic deposits to total assets | 86.1253% | 2,692 |
| Equity capital to assets | 10.3199% | 2,422 |
| Core capital (leverage) ratio | 10.2123% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,166,000 | 3,875 |
| Average earning assets | $110,893,000 | 3,862 |
| Average equity | $12,674,500 | 3,933 |
| Average total loans | $70,364,500 | 3,726 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 2,825 |
| Cost of funding earning assets | 0.4556% | 3,252 |
| Net interest margin | 3.5135% | 2,430 |
| Noninterest income to average assets | 0.7156% | 1,811 |
| Noninterest expense to average assets | 3.3307% | 866 |
| Loan and lease loss provision to assets | 0.0809% | 3,363 |
| Net operating income to assets | 0.4846% | 4,058 |
| Return on assets (ROA) | 0.4846% | 4,146 |
| Pretax return on assets | 0.5719% | 4,141 |
| Return on Equity (ROE) | 4.2218% | 4,111 |
| Retained earnings to average equity (ytd only) | 1.4891% | 4,040 |
| Net charge-offs to loans | 0.0356% | 2,340 |
| Credit loss provision to net charge-offs | 342.3077% | 1,601 |
| Earnings coverage of net charge-offs (x) | 27.6154% | 1,677 |
| Efficiency ratio | 83.6110% | 661 |
| Assets per employee ($millions) | 3.8439% | 4,476 |
| Cash dividends to net income (ytd only)* | 64.7280% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,225 |
| Loan loss allowance to noncurrent loans | 51.2781% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1195% | 812 |
| Noncurrent loans to loans | 1.7302% | 730 |
| Net loans and leases to total assets | 64.1293% | 2,341 |
| Net loans and leases to deposits | 75.2332% | 2,354 |
| Net loans and leases to core deposits | 77.7910% | 2,568 |
| Total domestic deposits to total assets | 85.2407% | 2,671 |
| Equity capital to assets | 10.9732% | 2,274 |
| Core capital (leverage) ratio | 10.7716% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,978,400 | 3,882 |
| Average earning assets | $102,291,000 | 3,867 |
| Average equity | $12,625,000 | 3,901 |
| Average total loans | $72,959,400 | 3,673 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 2,875 |
| Cost of funding earning assets | 0.5397% | 2,997 |
| Net interest margin | 3.4954% | 2,604 |
| Noninterest income to average assets | 0.7339% | 1,690 |
| Noninterest expense to average assets | 3.3442% | 850 |
| Loan and lease loss provision to assets | 0.0727% | 3,413 |
| Net operating income to assets | 0.4725% | 4,109 |
| Return on assets (ROA) | 0.4725% | 4,185 |
| Pretax return on assets | 0.5682% | 4,161 |
| Return on Equity (ROE) | 4.0682% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.8041% | 3,137 |
| Net charge-offs to loans | 0.0349% | 2,133 |
| Credit loss provision to net charge-offs | 310.5263% | 1,732 |
| Earnings coverage of net charge-offs (x) | 27.4737% | 1,664 |
| Efficiency ratio | 83.9236% | 606 |
| Assets per employee ($millions) | 4.1348% | 4,208 |
| Cash dividends to net income (ytd only)* | 6.4935% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,136 |
| Loan loss allowance to noncurrent loans | 158.7065% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 2,805 |
| Noncurrent loans to loans | 0.5531% | 2,410 |
| Net loans and leases to total assets | 60.0834% | 3,223 |
| Net loans and leases to deposits | 70.2922% | 3,288 |
| Net loans and leases to core deposits | 72.6116% | 3,422 |
| Total domestic deposits to total assets | 85.4766% | 2,256 |
| Equity capital to assets | 10.7022% | 2,620 |
| Core capital (leverage) ratio | 11.1005% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,643,750 | 3,892 |
| Average earning assets | $101,044,250 | 3,876 |
| Average equity | $12,617,750 | 3,909 |
| Average total loans | $72,545,750 | 3,695 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 2,522 |
| Cost of funding earning assets | 0.6282% | 2,824 |
| Net interest margin | 3.6520% | 2,310 |
| Noninterest income to average assets | 0.6521% | 1,930 |
| Noninterest expense to average assets | 3.4799% | 765 |
| Loan and lease loss provision to assets | 0.0553% | 3,610 |
| Net operating income to assets | 0.4214% | 4,185 |
| Return on assets (ROA) | 0.4214% | 4,246 |
| Pretax return on assets | 0.4977% | 4,254 |
| Return on Equity (ROE) | 3.5230% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.5230% | 3,167 |
| Net charge-offs to loans | 0.0469% | 1,813 |
| Credit loss provision to net charge-offs | 170.5882% | 2,036 |
| Earnings coverage of net charge-offs (x) | 17.0588% | 1,831 |
| Efficiency ratio | 86.2884% | 524 |
| Assets per employee ($millions) | 3.7861% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 4,226 |
| Loan loss allowance to noncurrent loans | 107.9646% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 2,293 |
| Noncurrent loans to loans | 0.7772% | 1,945 |
| Net loans and leases to total assets | 65.6515% | 2,679 |
| Net loans and leases to deposits | 77.8966% | 2,669 |
| Net loans and leases to core deposits | 81.2150% | 2,849 |
| Total domestic deposits to total assets | 84.2802% | 2,645 |
| Equity capital to assets | 11.5603% | 1,931 |
| Core capital (leverage) ratio | 11.6642% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,888,333 | 3,926 |
| Average earning assets | $97,096,667 | 3,923 |
| Average equity | $12,546,000 | 3,924 |
| Average total loans | $72,499,667 | 3,707 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 2,071 |
| Cost of funding earning assets | 0.6854% | 2,993 |
| Net interest margin | 3.8923% | 1,694 |
| Noninterest income to average assets | 0.5506% | 2,281 |
| Noninterest expense to average assets | 3.6238% | 794 |
| Loan and lease loss provision to assets | 0.0508% | 3,144 |
| Net operating income to assets | 0.4178% | 4,095 |
| Return on assets (ROA) | 0.4178% | 4,135 |
| Pretax return on assets | 0.4686% | 4,173 |
| Return on Equity (ROE) | 3.4315% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.4315% | 2,914 |
| Net charge-offs to loans | 0.0773% | 1,251 |
| Credit loss provision to net charge-offs | 92.8571% | 1,885 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,817 |
| Efficiency ratio | 87.4647% | 613 |
| Assets per employee ($millions) | 3.3123% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,311 |
| Loan loss allowance to noncurrent loans | 146.3235% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 2,438 |
| Noncurrent loans to loans | 0.5726% | 2,564 |
| Net loans and leases to total assets | 71.1094% | 2,073 |
| Net loans and leases to deposits | 81.6067% | 2,507 |
| Net loans and leases to core deposits | 84.8534% | 2,773 |
| Total domestic deposits to total assets | 87.1367% | 1,498 |
| Equity capital to assets | 12.5956% | 1,677 |
| Core capital (leverage) ratio | 11.8305% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,433,500 | 3,953 |
| Average earning assets | $94,545,500 | 3,953 |
| Average equity | $12,472,500 | 3,950 |
| Average total loans | $72,402,500 | 3,717 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 2,866 |
| Cost of funding earning assets | 0.7595% | 2,873 |
| Net interest margin | 3.7645% | 2,627 |
| Noninterest income to average assets | 0.6491% | 2,006 |
| Noninterest expense to average assets | 3.4983% | 966 |
| Loan and lease loss provision to assets | 0.1184% | 1,785 |
| Net operating income to assets | 0.4292% | 4,546 |
| Return on assets (ROA) | 0.4292% | 4,574 |
| Pretax return on assets | 0.4984% | 4,584 |
| Return on Equity (ROE) | 3.6827% | 4,540 |
| Retained earnings to average equity (ytd only) | 1.2438% | 4,297 |
| Net charge-offs to loans | 0.0833% | 1,922 |
| Credit loss provision to net charge-offs | 211.8644% | 1,254 |
| Earnings coverage of net charge-offs (x) | 11.0339% | 2,522 |
| Efficiency ratio | 85.0104% | 602 |
| Assets per employee ($millions) | 2.7051% | 4,941 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 4,265 |
| Loan loss allowance to noncurrent loans | 169.8864% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 2,651 |
| Noncurrent loans to loans | 0.4786% | 2,754 |
| Net loans and leases to total assets | 69.1476% | 2,526 |
| Net loans and leases to deposits | 83.0790% | 2,432 |
| Net loans and leases to core deposits | 85.5067% | 2,825 |
| Total domestic deposits to total assets | 83.2311% | 3,127 |
| Equity capital to assets | 11.7812% | 2,296 |
| Core capital (leverage) ratio | 11.6946% | 1,963 |
| Tier 1 risk-based capital ratio | 14.7027% | 2,905 |
| Total risk-based capital ratio | 15.4201% | 3,091 |
| Memoranda: | ||
| Average total assets | $105,537,600 | 3,909 |
| Average earning assets | $97,170,000 | 3,925 |
| Average equity | $12,300,600 | 3,960 |
| Average total loans | $70,833,800 | 3,761 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 2,919 |
| Cost of funding earning assets | 0.7773% | 2,831 |
| Net interest margin | 3.7654% | 2,698 |
| Noninterest income to average assets | 0.5470% | 2,474 |
| Noninterest expense to average assets | 3.4436% | 1,025 |
| Loan and lease loss provision to assets | 0.1011% | 1,901 |
| Net operating income to assets | 0.4194% | 4,689 |
| Return on assets (ROA) | 0.4194% | 4,716 |
| Pretax return on assets | 0.4661% | 4,736 |
| Return on Equity (ROE) | 3.6081% | 4,652 |
| Retained earnings to average equity (ytd only) | 2.5213% | 4,084 |
| Net charge-offs to loans | 0.0437% | 2,217 |
| Credit loss provision to net charge-offs | 347.8261% | 864 |
| Earnings coverage of net charge-offs (x) | 19.5191% | 1,998 |
| Efficiency ratio | 85.8583% | 511 |
| Assets per employee ($millions) | 2.6749% | 5,022 |
| Cash dividends to net income (ytd only)* | 30.1202% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 4,386 |
| Loan loss allowance to noncurrent loans | 145.0739% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 2,953 |
| Noncurrent loans to loans | 0.5566% | 2,628 |
| Net loans and leases to total assets | 69.3567% | 2,572 |
| Net loans and leases to deposits | 83.7006% | 2,493 |
| Net loans and leases to core deposits | 85.9160% | 2,912 |
| Total domestic deposits to total assets | 82.8628% | 3,207 |
| Equity capital to assets | 11.9743% | 2,277 |
| Core capital (leverage) ratio | 11.6364% | 2,117 |
| Tier 1 risk-based capital ratio | 14.9653% | 2,863 |
| Total risk-based capital ratio | 15.6820% | 3,027 |
| Memoranda: | ||
| Average total assets | $105,547,250 | 3,947 |
| Average earning assets | $97,092,000 | 3,961 |
| Average equity | $12,268,500 | 3,999 |
| Average total loans | $70,155,250 | 3,813 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 3,301 |
| Cost of funding earning assets | 0.7703% | 2,803 |
| Net interest margin | 3.6398% | 3,135 |
| Noninterest income to average assets | 0.5493% | 2,389 |
| Noninterest expense to average assets | 3.3863% | 1,133 |
| Loan and lease loss provision to assets | 0.0849% | 2,142 |
| Net operating income to assets | 0.3832% | 4,759 |
| Return on assets (ROA) | 0.3832% | 4,780 |
| Pretax return on assets | 0.4228% | 4,802 |
| Return on Equity (ROE) | 3.3295% | 4,722 |
| Retained earnings to average equity (ytd only) | 2.5094% | 3,942 |
| Net charge-offs to loans | 0.0231% | 2,384 |
| Credit loss provision to net charge-offs | 562.5000% | 550 |
| Earnings coverage of net charge-offs (x) | 33.6250% | 1,375 |
| Efficiency ratio | 86.9607% | 496 |
| Assets per employee ($millions) | 2.6799% | 5,068 |
| Cash dividends to net income (ytd only)* | 24.6305% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 4,378 |
| Loan loss allowance to noncurrent loans | 149.3438% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 3,074 |
| Noncurrent loans to loans | 0.5474% | 2,629 |
| Net loans and leases to total assets | 66.0527% | 3,097 |
| Net loans and leases to deposits | 82.3496% | 2,689 |
| Net loans and leases to core deposits | 84.3334% | 3,079 |
| Total domestic deposits to total assets | 80.2101% | 3,995 |
| Equity capital to assets | 11.8487% | 2,303 |
| Core capital (leverage) ratio | 11.9533% | 1,854 |
| Tier 1 risk-based capital ratio | 14.6607% | 2,988 |
| Total risk-based capital ratio | 15.3414% | 3,190 |
| Memoranda: | ||
| Average total assets | $105,955,330 | 3,959 |
| Average earning assets | $97,367,330 | 3,981 |
| Average equity | $12,194,000 | 4,017 |
| Average total loans | $69,225,670 | 3,850 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 3,492 |
| Cost of funding earning assets | 0.7421% | 2,823 |
| Net interest margin | 3.5794% | 3,331 |
| Noninterest income to average assets | 0.5287% | 2,387 |
| Noninterest expense to average assets | 3.2885% | 1,311 |
| Loan and lease loss provision to assets | 0.0750% | 2,178 |
| Net operating income to assets | 0.3900% | 4,755 |
| Return on assets (ROA) | 0.3900% | 4,767 |
| Pretax return on assets | 0.4387% | 4,790 |
| Return on Equity (ROE) | 3.4383% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.4383% | 3,539 |
| Net charge-offs to loans | 0.0116% | 2,273 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 856 |
| Efficiency ratio | 86.4892% | 552 |
| Assets per employee ($millions) | 2.7134% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8224% | 4,450 |
| Loan loss allowance to noncurrent loans | 74.9319% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 2,022 |
| Noncurrent loans to loans | 1.0975% | 1,515 |
| Net loans and leases to total assets | 62.6777% | 3,436 |
| Net loans and leases to deposits | 83.5618% | 2,433 |
| Net loans and leases to core deposits | 85.3335% | 2,927 |
| Total domestic deposits to total assets | 75.0076% | 4,857 |
| Equity capital to assets | 11.5522% | 2,353 |
| Core capital (leverage) ratio | 11.5376% | 2,112 |
| Tier 1 risk-based capital ratio | 15.4876% | 2,658 |
| Total risk-based capital ratio | 16.1844% | 2,835 |
| Memoranda: | ||
| Average total assets | $106,674,000 | 3,989 |
| Average earning assets | $97,559,000 | 4,017 |
| Average equity | $12,099,000 | 4,045 |
| Average total loans | $69,035,500 | 3,888 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 2,915 |
| Cost of funding earning assets | 0.3875% | 4,066 |
| Net interest margin | 3.9666% | 2,104 |
| Noninterest income to average assets | 0.6308% | 2,147 |
| Noninterest expense to average assets | 3.6123% | 857 |
| Loan and lease loss provision to assets | 0.0589% | 2,986 |
| Net operating income to assets | 0.4307% | 4,807 |
| Return on assets (ROA) | 0.4307% | 4,803 |
| Pretax return on assets | 0.4346% | 4,899 |
| Return on Equity (ROE) | 3.7028% | 4,777 |
| Retained earnings to average equity (ytd only) | 2.0159% | 4,350 |
| Net charge-offs to loans | 0.0113% | 3,300 |
| Credit loss provision to net charge-offs | 857.1429% | 417 |
| Earnings coverage of net charge-offs (x) | 71.8571% | 918 |
| Efficiency ratio | 87.9809% | 437 |
| Assets per employee ($millions) | 2.7570% | 5,112 |
| Cash dividends to net income (ytd only)* | 45.5581% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 4,685 |
| Loan loss allowance to noncurrent loans | 78.9318% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 2,162 |
| Noncurrent loans to loans | 0.9467% | 1,704 |
| Net loans and leases to total assets | 65.7165% | 3,171 |
| Net loans and leases to deposits | 90.0748% | 1,791 |
| Net loans and leases to core deposits | 91.6973% | 2,437 |
| Total domestic deposits to total assets | 72.9577% | 5,009 |
| Equity capital to assets | 11.1352% | 2,570 |
| Core capital (leverage) ratio | 11.8474% | 1,832 |
| Tier 1 risk-based capital ratio | 14.5237% | 3,053 |
| Total risk-based capital ratio | 15.1600% | 3,255 |
| Memoranda: | ||
| Average total assets | $101,928,200 | 4,067 |
| Average earning assets | $89,295,800 | 4,156 |
| Average equity | $11,855,800 | 4,046 |
| Average total loans | $62,099,600 | 4,044 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 3,075 |
| Cost of funding earning assets | 0.3009% | 4,505 |
| Net interest margin | 3.9699% | 2,051 |
| Noninterest income to average assets | 0.5796% | 2,419 |
| Noninterest expense to average assets | 3.6115% | 843 |
| Loan and lease loss provision to assets | 0.0305% | 3,407 |
| Net operating income to assets | 0.3793% | 4,991 |
| Return on assets (ROA) | 0.3793% | 4,989 |
| Pretax return on assets | 0.3846% | 5,047 |
| Return on Equity (ROE) | 3.2243% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.2243% | 4,133 |
| Net charge-offs to loans | 0.0111% | 3,020 |
| Credit loss provision to net charge-offs | 460.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 62.5667% | 1,032 |
| Efficiency ratio | 89.6904% | 338 |
| Assets per employee ($millions) | 2.6500% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 4,743 |
| Loan loss allowance to noncurrent loans | 75.0755% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 2,228 |
| Noncurrent loans to loans | 1.0079% | 1,698 |
| Net loans and leases to total assets | 63.0715% | 3,532 |
| Net loans and leases to deposits | 84.3513% | 2,555 |
| Net loans and leases to core deposits | 85.8816% | 3,000 |
| Total domestic deposits to total assets | 74.7724% | 4,910 |
| Equity capital to assets | 11.5209% | 2,250 |
| Core capital (leverage) ratio | 11.7286% | 1,991 |
| Tier 1 risk-based capital ratio | 14.9772% | 2,891 |
| Total risk-based capital ratio | 15.6192% | 3,096 |
| Memoranda: | ||
| Average total assets | $100,529,250 | 4,137 |
| Average earning assets | $87,289,000 | 4,240 |
| Average equity | $11,826,500 | 4,091 |
| Average total loans | $59,826,250 | 4,140 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 3,090 |
| Cost of funding earning assets | 0.2397% | 4,803 |
| Net interest margin | 3.9685% | 1,970 |
| Noninterest income to average assets | 0.5483% | 2,585 |
| Noninterest expense to average assets | 3.6329% | 837 |
| Loan and lease loss provision to assets | 0.0161% | 3,564 |
| Net operating income to assets | 0.2832% | 5,143 |
| Return on assets (ROA) | 0.2832% | 5,137 |
| Pretax return on assets | 0.2912% | 5,175 |
| Return on Equity (ROE) | 2.3899% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.3899% | 4,317 |
| Net charge-offs to loans | 0.0035% | 3,054 |
| Credit loss provision to net charge-offs | 800.0000% | 499 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 515 |
| Efficiency ratio | 92.2018% | 302 |
| Assets per employee ($millions) | 2.9792% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 4,645 |
| Loan loss allowance to noncurrent loans | 221.4612% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 3,971 |
| Noncurrent loans to loans | 0.3683% | 3,373 |
| Net loans and leases to total assets | 52.1014% | 4,472 |
| Net loans and leases to deposits | 64.6446% | 4,239 |
| Net loans and leases to core deposits | 65.6351% | 4,387 |
| Total domestic deposits to total assets | 80.5968% | 4,104 |
| Equity capital to assets | 10.4507% | 3,170 |
| Core capital (leverage) ratio | 12.4943% | 1,441 |
| Tier 1 risk-based capital ratio | 16.2907% | 2,338 |
| Total risk-based capital ratio | 16.9715% | 2,488 |
| Memoranda: | ||
| Average total assets | $99,588,670 | 4,181 |
| Average earning assets | $85,121,000 | 4,314 |
| Average equity | $11,799,670 | 4,118 |
| Average total loans | $57,874,330 | 4,222 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 3,039 |
| Cost of funding earning assets | 0.2178% | 4,910 |
| Net interest margin | 3.9391% | 1,902 |
| Noninterest income to average assets | 0.6036% | 2,241 |
| Noninterest expense to average assets | 3.8155% | 659 |
| Loan and lease loss provision to assets | 0.0216% | 3,252 |
| Net operating income to assets | 0.3363% | 5,040 |
| Return on assets (ROA) | 0.3363% | 5,044 |
| Pretax return on assets | 0.3535% | 5,096 |
| Return on Equity (ROE) | 2.6477% | 5,083 |
| Retained earnings to average equity (ytd only) | 2.6477% | 4,118 |
| Net charge-offs to loans | 0.0070% | 2,488 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 668 |
| Efficiency ratio | 91.0494% | 398 |
| Assets per employee ($millions) | 2.3577% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,485 |
| Loan loss allowance to noncurrent loans | 285.7988% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 3,788 |
| Noncurrent loans to loans | 0.3115% | 3,656 |
| Net loans and leases to total assets | 60.0225% | 3,749 |
| Net loans and leases to deposits | 72.9483% | 3,518 |
| Net loans and leases to core deposits | 73.8245% | 3,833 |
| Total domestic deposits to total assets | 82.2810% | 3,875 |
| Equity capital to assets | 13.1305% | 1,180 |
| Core capital (leverage) ratio | 12.6381% | 1,325 |
| Tier 1 risk-based capital ratio | 15.9282% | 2,511 |
| Total risk-based capital ratio | 16.5953% | 2,659 |
| Memoranda: | ||
| Average total assets | $92,779,000 | 4,354 |
| Average earning assets | $84,486,000 | 4,368 |
| Average equity | $11,784,000 | 4,156 |
| Average total loans | $57,077,500 | 4,280 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,268 |
| Cost of funding earning assets | 0.1603% | 5,208 |
| Net interest margin | 3.8810% | 2,148 |
| Noninterest income to average assets | 0.6466% | 2,219 |
| Noninterest expense to average assets | 3.6027% | 893 |
| Loan and lease loss provision to assets | 0.0193% | 3,915 |
| Net operating income to assets | 0.4726% | 4,451 |
| Return on assets (ROA) | 0.4726% | 4,482 |
| Pretax return on assets | 0.5349% | 4,873 |
| Return on Equity (ROE) | 3.6704% | 4,619 |
| Retained earnings to average equity (ytd only) | -1.1679% | 5,201 |
| Net charge-offs to loans | 0.0450% | 2,885 |
| Credit loss provision to net charge-offs | 75.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,901 |
| Efficiency ratio | 86.6667% | 603 |
| Assets per employee ($millions) | 2.5254% | 5,449 |
| Cash dividends to net income (ytd only)* | 131.8182% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 4,834 |
| Loan loss allowance to noncurrent loans | 334.9650% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 3,905 |
| Noncurrent loans to loans | 0.2387% | 3,947 |
| Net loans and leases to total assets | 61.9153% | 3,635 |
| Net loans and leases to deposits | 78.7857% | 3,033 |
| Net loans and leases to core deposits | 80.2846% | 3,398 |
| Total domestic deposits to total assets | 78.5870% | 4,628 |
| Equity capital to assets | 12.3003% | 1,639 |
| Core capital (leverage) ratio | 12.6796% | 1,273 |
| Tier 1 risk-based capital ratio | 16.0711% | 2,405 |
| Total risk-based capital ratio | 16.7187% | 2,572 |
| Memoranda: | ||
| Average total assets | $93,096,200 | 4,371 |
| Average earning assets | $84,204,800 | 4,398 |
| Average equity | $11,987,800 | 4,140 |
| Average total loans | $53,289,200 | 4,382 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,488 |
| Cost of funding earning assets | 0.1417% | 5,367 |
| Net interest margin | 3.8180% | 2,332 |
| Noninterest income to average assets | 0.6322% | 2,305 |
| Noninterest expense to average assets | 3.5188% | 963 |
| Loan and lease loss provision to assets | 0.0216% | 3,716 |
| Net operating income to assets | 0.4633% | 4,842 |
| Return on assets (ROA) | 0.4633% | 4,871 |
| Pretax return on assets | 0.5528% | 4,925 |
| Return on Equity (ROE) | 3.5566% | 4,968 |
| Retained earnings to average equity (ytd only) | -0.4321% | 5,279 |
| Net charge-offs to loans | 0.0284% | 2,868 |
| Credit loss provision to net charge-offs | 136.3636% | 1,807 |
| Earnings coverage of net charge-offs (x) | 36.1725% | 1,394 |
| Efficiency ratio | 85.9661% | 635 |
| Assets per employee ($millions) | 2.5393% | 5,509 |
| Cash dividends to net income (ytd only)* | 112.1498% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,523 |
| Loan loss allowance to noncurrent loans | 250.7692% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 3,837 |
| Noncurrent loans to loans | 0.3631% | 3,651 |
| Net loans and leases to total assets | 56.6458% | 4,183 |
| Net loans and leases to deposits | 70.4037% | 3,929 |
| Net loans and leases to core deposits | 73.2255% | 4,041 |
| Total domestic deposits to total assets | 80.4585% | 4,219 |
| Equity capital to assets | 12.8095% | 1,490 |
| Core capital (leverage) ratio | 12.9397% | 1,236 |
| Tier 1 risk-based capital ratio | 17.6145% | 1,970 |
| Total risk-based capital ratio | 18.3409% | 2,087 |
| Memoranda: | ||
| Average total assets | $92,379,000 | 4,422 |
| Average earning assets | $83,742,000 | 4,447 |
| Average equity | $12,033,750 | 4,168 |
| Average total loans | $51,637,500 | 4,452 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 3,573 |
| Cost of funding earning assets | 0.1270% | 5,468 |
| Net interest margin | 3.7653% | 2,424 |
| Noninterest income to average assets | 0.6075% | 2,423 |
| Noninterest expense to average assets | 3.2856% | 1,399 |
| Loan and lease loss provision to assets | 0.0327% | 3,342 |
| Net operating income to assets | 0.5792% | 4,394 |
| Return on assets (ROA) | 0.5792% | 4,449 |
| Pretax return on assets | 0.7098% | 4,523 |
| Return on Equity (ROE) | 4.4211% | 4,688 |
| Retained earnings to average equity (ytd only) | -1.5623% | 5,302 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5676% | 1,044 |
| Assets per employee ($millions) | 2.8116% | 5,414 |
| Cash dividends to net income (ytd only)* | 135.3383% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,227 |
| Loan loss allowance to noncurrent loans | 229.3578% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 3,922 |
| Noncurrent loans to loans | 0.4306% | 3,471 |
| Net loans and leases to total assets | 48.1803% | 4,811 |
| Net loans and leases to deposits | 57.4438% | 4,771 |
| Net loans and leases to core deposits | 59.4257% | 4,849 |
| Total domestic deposits to total assets | 83.8739% | 3,249 |
| Equity capital to assets | 11.5178% | 2,310 |
| Core capital (leverage) ratio | 13.7708% | 918 |
| Tier 1 risk-based capital ratio | 18.6459% | 1,680 |
| Total risk-based capital ratio | 19.4359% | 1,765 |
| Memoranda: | ||
| Average total assets | $91,854,000 | 4,467 |
| Average earning assets | $83,445,330 | 4,478 |
| Average equity | $12,033,330 | 4,181 |
| Average total loans | $50,946,670 | 4,501 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 2,633 |
| Cost of funding earning assets | 0.1388% | 5,445 |
| Net interest margin | 3.9675% | 1,559 |
| Noninterest income to average assets | 0.7042% | 1,945 |
| Noninterest expense to average assets | 3.3860% | 1,227 |
| Loan and lease loss provision to assets | 0.0466% | 2,874 |
| Net operating income to assets | 0.6996% | 3,705 |
| Return on assets (ROA) | 0.6996% | 3,745 |
| Pretax return on assets | 0.8721% | 3,858 |
| Return on Equity (ROE) | 4.9755% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.9755% | 2,912 |
| Net charge-offs to loans | 0.0157% | 2,489 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 541 |
| Efficiency ratio | 78.6566% | 1,540 |
| Assets per employee ($millions) | 2.6899% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 4,196 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 4,132 |
| Noncurrent loans to loans | 0.2387% | 4,255 |
| Net loans and leases to total assets | 55.8797% | 4,187 |
| Net loans and leases to deposits | 67.6108% | 4,026 |
| Net loans and leases to core deposits | 70.4944% | 4,111 |
| Total domestic deposits to total assets | 82.6491% | 3,960 |
| Equity capital to assets | 14.1480% | 865 |
| Core capital (leverage) ratio | 13.8245% | 884 |
| Tier 1 risk-based capital ratio | 20.2710% | 1,339 |
| Total risk-based capital ratio | 21.0916% | 1,393 |
| Memoranda: | ||
| Average total assets | $85,766,000 | 4,609 |
| Average earning assets | $77,831,500 | 4,614 |
| Average equity | $12,059,000 | 4,205 |
| Average total loans | $51,109,000 | 4,525 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 2,439 |
| Cost of funding earning assets | 0.1272% | 5,574 |
| Net interest margin | 4.0884% | 1,407 |
| Noninterest income to average assets | 0.6782% | 2,273 |
| Noninterest expense to average assets | 3.4445% | 1,266 |
| Loan and lease loss provision to assets | 0.1037% | 2,312 |
| Net operating income to assets | 0.7199% | 3,692 |
| Return on assets (ROA) | 0.7199% | 3,805 |
| Pretax return on assets | 0.9237% | 3,755 |
| Return on Equity (ROE) | 5.0010% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.1031% | 4,340 |
| Net charge-offs to loans | 0.0525% | 2,987 |
| Credit loss provision to net charge-offs | 322.2222% | 926 |
| Earnings coverage of net charge-offs (x) | 31.9259% | 1,377 |
| Efficiency ratio | 77.0256% | 1,839 |
| Assets per employee ($millions) | 2.7566% | 5,521 |
| Cash dividends to net income (ytd only)* | 57.9470% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 4,762 |
| Loan loss allowance to noncurrent loans | 324.0000% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,977 |
| Noncurrent loans to loans | 0.2797% | 4,157 |
| Net loans and leases to total assets | 62.1840% | 3,590 |
| Net loans and leases to deposits | 75.3129% | 3,384 |
| Net loans and leases to core deposits | 77.1991% | 3,637 |
| Total domestic deposits to total assets | 82.5676% | 3,909 |
| Equity capital to assets | 13.9721% | 896 |
| Core capital (leverage) ratio | 14.0036% | 816 |
| Tier 1 risk-based capital ratio | 18.3281% | 1,769 |
| Total risk-based capital ratio | 19.0687% | 1,859 |
| Memoranda: | ||
| Average total assets | $83,901,600 | 4,653 |
| Average earning assets | $77,854,600 | 4,630 |
| Average equity | $12,077,600 | 4,239 |
| Average total loans | $51,438,000 | 4,537 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,536 |
| Cost of funding earning assets | 0.1252% | 5,650 |
| Net interest margin | 4.0693% | 1,476 |
| Noninterest income to average assets | 0.6306% | 2,518 |
| Noninterest expense to average assets | 3.4150% | 1,315 |
| Loan and lease loss provision to assets | 0.1293% | 1,812 |
| Net operating income to assets | 0.6913% | 3,901 |
| Return on assets (ROA) | 0.6913% | 4,032 |
| Pretax return on assets | 0.8733% | 4,069 |
| Return on Equity (ROE) | 4.7665% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.1060% | 3,388 |
| Net charge-offs to loans | 0.0917% | 2,040 |
| Credit loss provision to net charge-offs | 231.4286% | 1,272 |
| Earnings coverage of net charge-offs (x) | 17.9411% | 2,027 |
| Efficiency ratio | 77.3039% | 1,795 |
| Assets per employee ($millions) | 2.7625% | 5,569 |
| Cash dividends to net income (ytd only)* | 13.8571% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 4,837 |
| Loan loss allowance to noncurrent loans | 273.8372% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 4,030 |
| Noncurrent loans to loans | 0.3312% | 4,069 |
| Net loans and leases to total assets | 60.0838% | 3,866 |
| Net loans and leases to deposits | 73.0072% | 3,701 |
| Net loans and leases to core deposits | 75.1109% | 3,909 |
| Total domestic deposits to total assets | 82.2985% | 3,844 |
| Equity capital to assets | 14.4003% | 905 |
| Core capital (leverage) ratio | 14.1891% | 798 |
| Tier 1 risk-based capital ratio | 19.3607% | 1,582 |
| Total risk-based capital ratio | 20.1203% | 1,664 |
| Memoranda: | ||
| Average total assets | $83,513,000 | 4,694 |
| Average earning assets | $77,717,500 | 4,671 |
| Average equity | $12,112,000 | 4,271 |
| Average total loans | $50,891,000 | 4,591 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 2,597 |
| Cost of funding earning assets | 0.1267% | 5,719 |
| Net interest margin | 4.0454% | 1,511 |
| Noninterest income to average assets | 0.6135% | 2,548 |
| Noninterest expense to average assets | 3.4128% | 1,345 |
| Loan and lease loss provision to assets | 0.1353% | 1,687 |
| Net operating income to assets | 0.6763% | 3,921 |
| Return on assets (ROA) | 0.6763% | 4,058 |
| Pretax return on assets | 0.8454% | 4,140 |
| Return on Equity (ROE) | 4.6517% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.6549% | 3,565 |
| Net charge-offs to loans | 0.1306% | 1,545 |
| Credit loss provision to net charge-offs | 169.6970% | 1,456 |
| Earnings coverage of net charge-offs (x) | 12.3030% | 2,193 |
| Efficiency ratio | 77.6800% | 1,840 |
| Assets per employee ($millions) | 2.6394% | 5,715 |
| Cash dividends to net income (ytd only)* | 21.4286% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,928 |
| Loan loss allowance to noncurrent loans | 361.2903% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,009 |
| Noncurrent loans to loans | 0.2516% | 4,450 |
| Net loans and leases to total assets | 59.6962% | 3,923 |
| Net loans and leases to deposits | 71.5087% | 3,829 |
| Net loans and leases to core deposits | 73.6357% | 4,017 |
| Total domestic deposits to total assets | 83.4810% | 3,474 |
| Equity capital to assets | 14.9338% | 741 |
| Core capital (leverage) ratio | 14.6842% | 670 |
| Tier 1 risk-based capital ratio | 20.7460% | 1,301 |
| Total risk-based capital ratio | 21.5067% | 1,369 |
| Memoranda: | ||
| Average total assets | $82,805,000 | 4,745 |
| Average earning assets | $77,372,670 | 4,718 |
| Average equity | $12,038,670 | 4,311 |
| Average total loans | $50,546,330 | 4,625 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 2,467 |
| Cost of funding earning assets | 0.1284% | 5,762 |
| Net interest margin | 4.0727% | 1,420 |
| Noninterest income to average assets | 0.6627% | 2,207 |
| Noninterest expense to average assets | 3.2846% | 1,644 |
| Loan and lease loss provision to assets | 0.1441% | 1,464 |
| Net operating income to assets | 0.8019% | 3,239 |
| Return on assets (ROA) | 0.8019% | 3,354 |
| Pretax return on assets | 1.0421% | 3,317 |
| Return on Equity (ROE) | 5.5907% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.5907% | 2,589 |
| Net charge-offs to loans | 0.0313% | 2,326 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 762 |
| Efficiency ratio | 73.4694% | 2,564 |
| Assets per employee ($millions) | 2.7716% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 5,113 |
| Loan loss allowance to noncurrent loans | 202.2422% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 3,439 |
| Noncurrent loans to loans | 0.4365% | 3,877 |
| Net loans and leases to total assets | 60.9078% | 3,661 |
| Net loans and leases to deposits | 73.5652% | 3,495 |
| Net loans and leases to core deposits | 75.7358% | 3,702 |
| Total domestic deposits to total assets | 82.7943% | 3,967 |
| Equity capital to assets | 14.5141% | 832 |
| Core capital (leverage) ratio | 14.0091% | 808 |
| Tier 1 risk-based capital ratio | 19.3114% | 1,654 |
| Total risk-based capital ratio | 20.0477% | 1,750 |
| Memoranda: | ||
| Average total assets | $83,297,000 | 4,779 |
| Average earning assets | $77,885,000 | 4,749 |
| Average equity | $11,948,500 | 4,343 |
| Average total loans | $51,173,500 | 4,640 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 3,049 |
| Cost of funding earning assets | 0.1256% | 5,849 |
| Net interest margin | 3.9397% | 1,901 |
| Noninterest income to average assets | 0.7198% | 2,105 |
| Noninterest expense to average assets | 3.4851% | 1,317 |
| Loan and lease loss provision to assets | 0.1212% | 1,978 |
| Net operating income to assets | 0.6598% | 3,995 |
| Return on assets (ROA) | 0.6598% | 4,082 |
| Pretax return on assets | 0.8002% | 4,184 |
| Return on Equity (ROE) | 4.6809% | 4,664 |
| Retained earnings to average equity (ytd only) | 2.2979% | 4,421 |
| Net charge-offs to loans | 0.1309% | 2,061 |
| Credit loss provision to net charge-offs | 157.8125% | 1,695 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,510 |
| Efficiency ratio | 79.0907% | 1,806 |
| Assets per employee ($millions) | 2.7816% | 5,718 |
| Cash dividends to net income (ytd only)* | 50.9091% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 5,328 |
| Loan loss allowance to noncurrent loans | 160.3774% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 3,469 |
| Noncurrent loans to loans | 0.5170% | 3,625 |
| Net loans and leases to total assets | 60.9105% | 3,708 |
| Net loans and leases to deposits | 75.2528% | 3,347 |
| Net loans and leases to core deposits | 77.1044% | 3,657 |
| Total domestic deposits to total assets | 80.9412% | 4,504 |
| Equity capital to assets | 14.1755% | 874 |
| Core capital (leverage) ratio | 14.1059% | 791 |
| Tier 1 risk-based capital ratio | 18.4921% | 1,832 |
| Total risk-based capital ratio | 19.1638% | 1,944 |
| Memoranda: | ||
| Average total assets | $83,354,800 | 4,803 |
| Average earning assets | $78,001,200 | 4,763 |
| Average equity | $11,749,800 | 4,348 |
| Average total loans | $48,896,400 | 4,707 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 3,174 |
| Cost of funding earning assets | 0.1264% | 5,939 |
| Net interest margin | 3.9130% | 1,987 |
| Noninterest income to average assets | 0.6704% | 2,385 |
| Noninterest expense to average assets | 3.5088% | 1,268 |
| Loan and lease loss provision to assets | 0.1104% | 2,040 |
| Net operating income to assets | 0.6064% | 4,353 |
| Return on assets (ROA) | 0.6064% | 4,453 |
| Pretax return on assets | 0.7152% | 4,634 |
| Return on Equity (ROE) | 4.3079% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.3079% | 3,404 |
| Net charge-offs to loans | 0.0662% | 2,629 |
| Credit loss provision to net charge-offs | 287.5000% | 1,000 |
| Earnings coverage of net charge-offs (x) | 21.4994% | 1,822 |
| Efficiency ratio | 80.9524% | 1,524 |
| Assets per employee ($millions) | 2.6521% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 5,260 |
| Loan loss allowance to noncurrent loans | 144.3333% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 3,702 |
| Noncurrent loans to loans | 0.6128% | 3,477 |
| Net loans and leases to total assets | 59.0240% | 4,008 |
| Net loans and leases to deposits | 71.3156% | 3,842 |
| Net loans and leases to core deposits | 73.0571% | 4,099 |
| Total domestic deposits to total assets | 82.7645% | 3,895 |
| Equity capital to assets | 14.5194% | 851 |
| Core capital (leverage) ratio | 14.2217% | 805 |
| Tier 1 risk-based capital ratio | 20.0316% | 1,543 |
| Total risk-based capital ratio | 20.7506% | 1,629 |
| Memoranda: | ||
| Average total assets | $83,331,750 | 4,861 |
| Average earning assets | $78,027,750 | 4,820 |
| Average equity | $11,730,000 | 4,404 |
| Average total loans | $48,307,250 | 4,776 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 3,330 |
| Cost of funding earning assets | 0.1223% | 6,033 |
| Net interest margin | 3.8690% | 2,078 |
| Noninterest income to average assets | 0.6595% | 2,421 |
| Noninterest expense to average assets | 3.3881% | 1,493 |
| Loan and lease loss provision to assets | 0.1147% | 1,922 |
| Net operating income to assets | 0.6499% | 4,119 |
| Return on assets (ROA) | 0.6499% | 4,232 |
| Pretax return on assets | 0.7837% | 4,373 |
| Return on Equity (ROE) | 4.6651% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.6651% | 3,070 |
| Net charge-offs to loans | 0.0749% | 2,323 |
| Credit loss provision to net charge-offs | 266.6667% | 1,000 |
| Earnings coverage of net charge-offs (x) | 20.8889% | 1,700 |
| Efficiency ratio | 79.0412% | 1,906 |
| Assets per employee ($millions) | 2.6725% | 5,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 5,425 |
| Loan loss allowance to noncurrent loans | 151.6364% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,869 |
| Noncurrent loans to loans | 0.5688% | 3,745 |
| Net loans and leases to total assets | 57.8543% | 4,119 |
| Net loans and leases to deposits | 71.6014% | 3,753 |
| Net loans and leases to core deposits | 73.3795% | 4,010 |
| Total domestic deposits to total assets | 80.8005% | 4,668 |
| Equity capital to assets | 14.1878% | 918 |
| Core capital (leverage) ratio | 13.9780% | 845 |
| Tier 1 risk-based capital ratio | 19.8086% | 1,596 |
| Total risk-based capital ratio | 20.5113% | 1,697 |
| Memoranda: | ||
| Average total assets | $83,704,330 | 4,903 |
| Average earning assets | $78,470,670 | 4,860 |
| Average equity | $11,661,000 | 4,444 |
| Average total loans | $48,090,000 | 4,820 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 3,597 |
| Cost of funding earning assets | 0.1121% | 6,147 |
| Net interest margin | 3.7904% | 2,257 |
| Noninterest income to average assets | 0.6656% | 2,332 |
| Noninterest expense to average assets | 3.3661% | 1,564 |
| Loan and lease loss provision to assets | 0.1094% | 1,883 |
| Net operating income to assets | 0.6133% | 4,228 |
| Return on assets (ROA) | 0.6133% | 4,315 |
| Pretax return on assets | 0.7274% | 4,514 |
| Return on Equity (ROE) | 4.4427% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.4427% | 3,355 |
| Net charge-offs to loans | -0.0083% | 4,647 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0905% | 1,890 |
| Assets per employee ($millions) | 2.6845% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 5,465 |
| Loan loss allowance to noncurrent loans | 149.2754% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 3,937 |
| Noncurrent loans to loans | 0.5962% | 3,790 |
| Net loans and leases to total assets | 55.1310% | 4,306 |
| Net loans and leases to deposits | 64.3451% | 4,334 |
| Net loans and leases to core deposits | 65.8902% | 4,527 |
| Total domestic deposits to total assets | 85.6801% | 3,104 |
| Equity capital to assets | 14.0988% | 952 |
| Core capital (leverage) ratio | 13.4757% | 982 |
| Tier 1 risk-based capital ratio | 23.3865% | 1,064 |
| Total risk-based capital ratio | 24.2077% | 1,096 |
| Memoranda: | ||
| Average total assets | $84,133,500 | 4,936 |
| Average earning assets | $78,515,000 | 4,906 |
| Average equity | $11,614,500 | 4,486 |
| Average total loans | $47,961,500 | 4,847 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 3,870 |
| Cost of funding earning assets | 0.1234% | 6,229 |
| Net interest margin | 3.8368% | 2,483 |
| Noninterest income to average assets | 0.6669% | 2,469 |
| Noninterest expense to average assets | 3.4737% | 1,545 |
| Loan and lease loss provision to assets | 0.1027% | 2,441 |
| Net operating income to assets | 0.5701% | 4,508 |
| Return on assets (ROA) | 0.5691% | 4,596 |
| Pretax return on assets | 0.6947% | 4,643 |
| Return on Equity (ROE) | 4.0994% | 5,074 |
| Retained earnings to average equity (ytd only) | 1.0531% | 5,300 |
| Net charge-offs to loans | 0.3766% | 1,144 |
| Credit loss provision to net charge-offs | 48.5714% | 3,511 |
| Earnings coverage of net charge-offs (x) | 3.7771% | 3,811 |
| Efficiency ratio | 81.3066% | 1,734 |
| Assets per employee ($millions) | 2.8349% | 5,898 |
| Cash dividends to net income (ytd only)* | 74.3100% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 5,822 |
| Loan loss allowance to noncurrent loans | 174.7748% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 4,319 |
| Noncurrent loans to loans | 0.4473% | 4,301 |
| Net loans and leases to total assets | 57.9009% | 4,054 |
| Net loans and leases to deposits | 69.3495% | 3,991 |
| Net loans and leases to core deposits | 70.7149% | 4,251 |
| Total domestic deposits to total assets | 83.4915% | 3,916 |
| Equity capital to assets | 13.5172% | 1,156 |
| Core capital (leverage) ratio | 13.7453% | 883 |
| Tier 1 risk-based capital ratio | 18.2312% | 2,072 |
| Total risk-based capital ratio | 18.8477% | 2,248 |
| Memoranda: | ||
| Average total assets | $82,765,200 | 4,996 |
| Average earning assets | $77,773,400 | 4,930 |
| Average equity | $11,489,400 | 4,458 |
| Average total loans | $46,467,600 | 4,935 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 4,162 |
| Cost of funding earning assets | 0.1224% | 6,327 |
| Net interest margin | 3.7804% | 2,689 |
| Noninterest income to average assets | 0.6180% | 2,762 |
| Noninterest expense to average assets | 3.3935% | 1,687 |
| Loan and lease loss provision to assets | 0.1054% | 2,277 |
| Net operating income to assets | 0.5596% | 4,636 |
| Return on assets (ROA) | 0.5596% | 4,707 |
| Pretax return on assets | 0.6764% | 4,781 |
| Return on Equity (ROE) | 4.0042% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.8436% | 4,574 |
| Net charge-offs to loans | 0.0934% | 2,879 |
| Credit loss provision to net charge-offs | 203.1250% | 1,250 |
| Earnings coverage of net charge-offs (x) | 15.0609% | 2,084 |
| Efficiency ratio | 81.2743% | 1,712 |
| Assets per employee ($millions) | 2.8338% | 5,929 |
| Cash dividends to net income (ytd only)* | 28.9854% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 4,827 |
| Loan loss allowance to noncurrent loans | 115.8730% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 3,537 |
| Noncurrent loans to loans | 0.9343% | 3,221 |
| Net loans and leases to total assets | 56.8167% | 4,225 |
| Net loans and leases to deposits | 66.3427% | 4,293 |
| Net loans and leases to core deposits | 67.8860% | 4,518 |
| Total domestic deposits to total assets | 85.6413% | 3,047 |
| Equity capital to assets | 14.1446% | 955 |
| Core capital (leverage) ratio | 13.8787% | 874 |
| Tier 1 risk-based capital ratio | 20.0727% | 1,656 |
| Total risk-based capital ratio | 20.9572% | 1,704 |
| Memoranda: | ||
| Average total assets | $82,194,750 | 5,060 |
| Average earning assets | $77,343,750 | 4,993 |
| Average equity | $11,487,750 | 4,490 |
| Average total loans | $45,676,750 | 5,017 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 4,428 |
| Cost of funding earning assets | 0.1241% | 6,393 |
| Net interest margin | 3.7012% | 2,960 |
| Noninterest income to average assets | 0.6253% | 2,679 |
| Noninterest expense to average assets | 3.3820% | 1,724 |
| Loan and lease loss provision to assets | 0.0973% | 2,406 |
| Net operating income to assets | 0.5280% | 4,702 |
| Return on assets (ROA) | 0.5280% | 4,794 |
| Pretax return on assets | 0.6277% | 4,858 |
| Return on Equity (ROE) | 3.7929% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.7929% | 3,765 |
| Net charge-offs to loans | 0.0620% | 3,088 |
| Credit loss provision to net charge-offs | 285.7143% | 892 |
| Earnings coverage of net charge-offs (x) | 21.2857% | 1,552 |
| Efficiency ratio | 82.3460% | 1,708 |
| Assets per employee ($millions) | 2.8199% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 4,737 |
| Loan loss allowance to noncurrent loans | 97.1209% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 3,320 |
| Noncurrent loans to loans | 1.1687% | 2,888 |
| Net loans and leases to total assets | 53.8953% | 4,557 |
| Net loans and leases to deposits | 62.9368% | 4,603 |
| Net loans and leases to core deposits | 64.1935% | 4,804 |
| Total domestic deposits to total assets | 85.6341% | 3,224 |
| Equity capital to assets | 14.1715% | 908 |
| Core capital (leverage) ratio | 13.8947% | 864 |
| Tier 1 risk-based capital ratio | 20.7874% | 1,487 |
| Total risk-based capital ratio | 21.6966% | 1,548 |
| Memoranda: | ||
| Average total assets | $82,199,670 | 5,106 |
| Average earning assets | $77,327,000 | 5,035 |
| Average equity | $11,442,330 | 4,511 |
| Average total loans | $45,168,000 | 5,069 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 4,679 |
| Cost of funding earning assets | 0.1292% | 6,447 |
| Net interest margin | 3.6186% | 3,178 |
| Noninterest income to average assets | 0.6164% | 2,639 |
| Noninterest expense to average assets | 3.3297% | 1,879 |
| Loan and lease loss provision to assets | 0.0971% | 2,307 |
| Net operating income to assets | 0.4999% | 4,692 |
| Return on assets (ROA) | 0.4999% | 4,774 |
| Pretax return on assets | 0.5873% | 4,871 |
| Return on Equity (ROE) | 3.6239% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.6239% | 3,958 |
| Net charge-offs to loans | 0.0088% | 3,449 |
| Credit loss provision to net charge-offs | 2,000.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 348 |
| Efficiency ratio | 82.9504% | 1,805 |
| Assets per employee ($millions) | 2.8840% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 4,943 |
| Loan loss allowance to noncurrent loans | 58.7470% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 3,006 |
| Noncurrent loans to loans | 1.9357% | 1,943 |
| Net loans and leases to total assets | 51.6632% | 4,712 |
| Net loans and leases to deposits | 59.9800% | 4,763 |
| Net loans and leases to core deposits | 61.1437% | 4,951 |
| Total domestic deposits to total assets | 86.1340% | 3,289 |
| Equity capital to assets | 13.6783% | 1,043 |
| Core capital (leverage) ratio | 13.3928% | 1,007 |
| Tier 1 risk-based capital ratio | 21.3960% | 1,398 |
| Total risk-based capital ratio | 22.3243% | 1,441 |
| Memoranda: | ||
| Average total assets | $82,411,000 | 5,152 |
| Average earning assets | $77,378,500 | 5,080 |
| Average equity | $11,369,000 | 4,530 |
| Average total loans | $45,462,000 | 5,101 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 4,358 |
| Cost of funding earning assets | 0.1628% | 6,485 |
| Net interest margin | 3.7668% | 2,775 |
| Noninterest income to average assets | 0.8227% | 1,971 |
| Noninterest expense to average assets | 3.5208% | 1,608 |
| Loan and lease loss provision to assets | 0.0275% | 4,576 |
| Net operating income to assets | 0.6239% | 4,147 |
| Return on assets (ROA) | 0.6239% | 4,263 |
| Pretax return on assets | 0.8039% | 4,127 |
| Return on Equity (ROE) | 4.3874% | 4,941 |
| Retained earnings to average equity (ytd only) | 1.1782% | 5,297 |
| Net charge-offs to loans | -0.1423% | 6,555 |
| Credit loss provision to net charge-offs | -34.9206% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8963% | 2,034 |
| Assets per employee ($millions) | 2.7995% | 6,112 |
| Cash dividends to net income (ytd only)* | 73.1463% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 5,489 |
| Loan loss allowance to noncurrent loans | 55.6330% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 3,022 |
| Noncurrent loans to loans | 1.8235% | 2,207 |
| Net loans and leases to total assets | 57.5703% | 4,105 |
| Net loans and leases to deposits | 67.1682% | 4,167 |
| Net loans and leases to core deposits | 68.5172% | 4,448 |
| Total domestic deposits to total assets | 85.7106% | 3,399 |
| Equity capital to assets | 13.9162% | 933 |
| Core capital (leverage) ratio | 13.9533% | 833 |
| Tier 1 risk-based capital ratio | 19.9469% | 1,667 |
| Total risk-based capital ratio | 20.7886% | 1,734 |
| Memoranda: | ||
| Average total assets | $79,982,800 | 5,235 |
| Average earning assets | $74,943,400 | 5,176 |
| Average equity | $11,373,400 | 4,564 |
| Average total loans | $44,272,400 | 5,178 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 4,494 |
| Cost of funding earning assets | 0.1693% | 6,558 |
| Net interest margin | 3.7333% | 2,909 |
| Noninterest income to average assets | 0.8015% | 2,136 |
| Noninterest expense to average assets | 3.4637% | 1,688 |
| Loan and lease loss provision to assets | 0.0285% | 4,440 |
| Net operating income to assets | 0.6208% | 4,253 |
| Return on assets (ROA) | 0.6208% | 4,381 |
| Pretax return on assets | 0.8149% | 4,236 |
| Return on Equity (ROE) | 4.3420% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.8739% | 3,931 |
| Net charge-offs to loans | -0.6921% | 6,807 |
| Credit loss provision to net charge-offs | -7.5221% | 5,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4196% | 2,037 |
| Assets per employee ($millions) | 2.7348% | 6,230 |
| Cash dividends to net income (ytd only)* | 10.7814% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,683 |
| Loan loss allowance to noncurrent loans | 59.9247% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4942% | 2,692 |
| Noncurrent loans to loans | 2.4215% | 1,806 |
| Net loans and leases to total assets | 54.5487% | 4,526 |
| Net loans and leases to deposits | 64.0387% | 4,517 |
| Net loans and leases to core deposits | 65.3643% | 4,767 |
| Total domestic deposits to total assets | 85.1807% | 3,644 |
| Equity capital to assets | 14.5419% | 816 |
| Core capital (leverage) ratio | 14.2149% | 815 |
| Tier 1 risk-based capital ratio | 21.5160% | 1,395 |
| Total risk-based capital ratio | 22.7026% | 1,382 |
| Memoranda: | ||
| Average total assets | $79,682,000 | 5,294 |
| Average earning assets | $74,820,250 | 5,229 |
| Average equity | $11,392,250 | 4,610 |
| Average total loans | $43,536,000 | 5,259 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 4,477 |
| Cost of funding earning assets | 0.1751% | 6,598 |
| Net interest margin | 3.7244% | 2,870 |
| Noninterest income to average assets | 0.9122% | 1,777 |
| Noninterest expense to average assets | 3.4183% | 1,782 |
| Loan and lease loss provision to assets | 0.0426% | 4,109 |
| Net operating income to assets | 0.7243% | 3,696 |
| Return on assets (ROA) | 0.7243% | 3,866 |
| Pretax return on assets | 0.9698% | 3,635 |
| Return on Equity (ROE) | 5.0946% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.3895% | 3,475 |
| Net charge-offs to loans | -1.0457% | 6,871 |
| Credit loss provision to net charge-offs | -7.4890% | 5,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1493% | 2,600 |
| Assets per employee ($millions) | 2.8021% | 6,159 |
| Cash dividends to net income (ytd only)* | 13.8408% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,435 |
| Loan loss allowance to noncurrent loans | 69.6175% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 3,098 |
| Noncurrent loans to loans | 2.2005% | 2,175 |
| Net loans and leases to total assets | 52.1846% | 4,834 |
| Net loans and leases to deposits | 61.2586% | 4,829 |
| Net loans and leases to core deposits | 62.5395% | 5,051 |
| Total domestic deposits to total assets | 85.1874% | 3,803 |
| Equity capital to assets | 14.5820% | 800 |
| Core capital (leverage) ratio | 14.1815% | 778 |
| Tier 1 risk-based capital ratio | 22.8638% | 1,157 |
| Total risk-based capital ratio | 24.1138% | 1,141 |
| Memoranda: | ||
| Average total assets | $79,806,330 | 5,320 |
| Average earning assets | $75,394,330 | 5,243 |
| Average equity | $11,345,330 | 4,652 |
| Average total loans | $43,415,000 | 5,287 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 5,038 |
| Cost of funding earning assets | 0.1839% | 6,653 |
| Net interest margin | 3.5511% | 3,472 |
| Noninterest income to average assets | 0.6262% | 3,000 |
| Noninterest expense to average assets | 3.3599% | 1,929 |
| Loan and lease loss provision to assets | 0.0795% | 3,314 |
| Net operating income to assets | 0.5070% | 4,621 |
| Return on assets (ROA) | 0.5070% | 4,768 |
| Pretax return on assets | 0.5467% | 5,124 |
| Return on Equity (ROE) | 3.6114% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.6114% | 4,077 |
| Net charge-offs to loans | 0.0180% | 3,793 |
| Credit loss provision to net charge-offs | 800.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 568 |
| Efficiency ratio | 84.2893% | 1,724 |
| Assets per employee ($millions) | 2.9434% | 6,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 6,064 |
| Loan loss allowance to noncurrent loans | 45.3333% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 3,229 |
| Noncurrent loans to loans | 2.1526% | 2,442 |
| Net loans and leases to total assets | 50.2342% | 4,958 |
| Net loans and leases to deposits | 58.4026% | 4,986 |
| Net loans and leases to core deposits | 58.4026% | 5,301 |
| Total domestic deposits to total assets | 86.0136% | 3,522 |
| Equity capital to assets | 13.7680% | 1,110 |
| Core capital (leverage) ratio | 13.3447% | 999 |
| Tier 1 risk-based capital ratio | 20.7706% | 1,592 |
| Total risk-based capital ratio | 21.5191% | 1,681 |
| Memoranda: | ||
| Average total assets | $80,479,500 | 5,349 |
| Average earning assets | $76,144,500 | 5,262 |
| Average equity | $11,297,500 | 4,718 |
| Average total loans | $44,332,000 | 5,288 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 4,820 |
| Cost of funding earning assets | 0.2408% | 6,707 |
| Net interest margin | 3.8950% | 2,851 |
| Noninterest income to average assets | 0.7331% | 2,573 |
| Noninterest expense to average assets | 3.6213% | 1,561 |
| Loan and lease loss provision to assets | 0.1358% | 3,929 |
| Net operating income to assets | 0.5218% | 4,591 |
| Return on assets (ROA) | 0.5218% | 4,862 |
| Pretax return on assets | 0.6161% | 4,947 |
| Return on Equity (ROE) | 3.6709% | 5,287 |
| Retained earnings to average equity (ytd only) | 0.0354% | 5,815 |
| Net charge-offs to loans | 0.2854% | 3,235 |
| Credit loss provision to net charge-offs | 85.7143% | 3,639 |
| Earnings coverage of net charge-offs (x) | 4.7460% | 3,270 |
| Efficiency ratio | 82.8062% | 1,771 |
| Assets per employee ($millions) | 2.8051% | 6,309 |
| Cash dividends to net income (ytd only)* | 99.0361% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 6,411 |
| Loan loss allowance to noncurrent loans | 132.3232% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 4,766 |
| Noncurrent loans to loans | 0.6339% | 4,937 |
| Net loans and leases to total assets | 59.1549% | 3,768 |
| Net loans and leases to deposits | 69.1821% | 3,814 |
| Net loans and leases to core deposits | 70.6206% | 4,216 |
| Total domestic deposits to total assets | 85.5060% | 3,606 |
| Equity capital to assets | 14.3208% | 932 |
| Core capital (leverage) ratio | 14.0230% | 793 |
| Tier 1 risk-based capital ratio | 19.7427% | 1,738 |
| Total risk-based capital ratio | 20.4343% | 1,884 |
| Memoranda: | ||
| Average total assets | $79,528,400 | 5,367 |
| Average earning assets | $74,326,800 | 5,302 |
| Average equity | $11,305,000 | 4,703 |
| Average total loans | $44,154,200 | 5,325 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 5,158 |
| Cost of funding earning assets | 0.2509% | 6,805 |
| Net interest margin | 3.8568% | 3,093 |
| Noninterest income to average assets | 0.6619% | 2,920 |
| Noninterest expense to average assets | 3.5700% | 1,614 |
| Loan and lease loss provision to assets | 0.1387% | 3,809 |
| Net operating income to assets | 0.4847% | 4,903 |
| Return on assets (ROA) | 0.4847% | 5,166 |
| Pretax return on assets | 0.5499% | 5,303 |
| Return on Equity (ROE) | 3.4160% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.0495% | 5,299 |
| Net charge-offs to loans | 0.3189% | 2,850 |
| Credit loss provision to net charge-offs | 79.8077% | 3,624 |
| Earnings coverage of net charge-offs (x) | 3.9616% | 3,441 |
| Efficiency ratio | 83.8305% | 1,611 |
| Assets per employee ($millions) | 2.9090% | 6,203 |
| Cash dividends to net income (ytd only)* | 39.9990% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 6,399 |
| Loan loss allowance to noncurrent loans | 219.1011% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 5,343 |
| Noncurrent loans to loans | 0.4084% | 5,636 |
| Net loans and leases to total assets | 53.0312% | 4,908 |
| Net loans and leases to deposits | 61.8662% | 4,984 |
| Net loans and leases to core deposits | 63.1026% | 5,254 |
| Total domestic deposits to total assets | 85.7192% | 3,400 |
| Equity capital to assets | 14.0218% | 1,147 |
| Core capital (leverage) ratio | 14.0534% | 821 |
| Tier 1 risk-based capital ratio | 21.2146% | 1,475 |
| Total risk-based capital ratio | 21.9411% | 1,565 |
| Memoranda: | ||
| Average total assets | $79,774,750 | 5,407 |
| Average earning assets | $74,395,750 | 5,354 |
| Average equity | $11,319,250 | 4,750 |
| Average total loans | $43,479,000 | 5,413 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 5,356 |
| Cost of funding earning assets | 0.2631% | 6,870 |
| Net interest margin | 3.8269% | 3,234 |
| Noninterest income to average assets | 0.6590% | 2,899 |
| Noninterest expense to average assets | 3.6104% | 1,560 |
| Loan and lease loss provision to assets | 0.1389% | 3,784 |
| Net operating income to assets | 0.4216% | 5,142 |
| Return on assets (ROA) | 0.4216% | 5,373 |
| Pretax return on assets | 0.4721% | 5,511 |
| Return on Equity (ROE) | 2.9596% | 5,706 |
| Retained earnings to average equity (ytd only) | 0.9038% | 5,710 |
| Net charge-offs to loans | 0.4512% | 2,249 |
| Credit loss provision to net charge-offs | 56.1224% | 3,902 |
| Earnings coverage of net charge-offs (x) | 2.4694% | 3,767 |
| Efficiency ratio | 85.5263% | 1,481 |
| Assets per employee ($millions) | 3.4430% | 5,104 |
| Cash dividends to net income (ytd only)* | 69.4611% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 6,540 |
| Loan loss allowance to noncurrent loans | 52.2727% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 3,959 |
| Noncurrent loans to loans | 1.6514% | 3,427 |
| Net loans and leases to total assets | 53.3678% | 4,902 |
| Net loans and leases to deposits | 62.4033% | 4,951 |
| Net loans and leases to core deposits | 63.6888% | 5,238 |
| Total domestic deposits to total assets | 85.5209% | 3,594 |
| Equity capital to assets | 14.2632% | 994 |
| Core capital (leverage) ratio | 14.0751% | 784 |
| Tier 1 risk-based capital ratio | 22.2051% | 1,254 |
| Total risk-based capital ratio | 22.9305% | 1,330 |
| Memoranda: | ||
| Average total assets | $79,215,670 | 5,458 |
| Average earning assets | $73,742,000 | 5,406 |
| Average equity | $11,285,330 | 4,756 |
| Average total loans | $43,443,670 | 5,454 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 5,619 |
| Cost of funding earning assets | 0.2715% | 6,940 |
| Net interest margin | 3.7743% | 3,497 |
| Noninterest income to average assets | 0.6816% | 2,749 |
| Noninterest expense to average assets | 3.4634% | 1,836 |
| Loan and lease loss provision to assets | 0.2019% | 2,921 |
| Net operating income to assets | 0.4594% | 4,996 |
| Return on assets (ROA) | 0.4594% | 5,192 |
| Pretax return on assets | 0.5251% | 5,350 |
| Return on Equity (ROE) | 3.2268% | 5,625 |
| Retained earnings to average equity (ytd only) | 3.2268% | 4,633 |
| Net charge-offs to loans | 0.7571% | 1,354 |
| Credit loss provision to net charge-offs | 48.1928% | 3,313 |
| Earnings coverage of net charge-offs (x) | 1.7349% | 3,470 |
| Efficiency ratio | 82.6506% | 1,854 |
| Assets per employee ($millions) | 3.5157% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,581 |
| Loan loss allowance to noncurrent loans | 84.0547% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9238% | 4,674 |
| Noncurrent loans to loans | 1.0484% | 4,598 |
| Net loans and leases to total assets | 51.3288% | 5,103 |
| Net loans and leases to deposits | 59.8167% | 5,173 |
| Net loans and leases to core deposits | 61.0188% | 5,431 |
| Total domestic deposits to total assets | 85.8102% | 3,636 |
| Equity capital to assets | 14.0105% | 1,024 |
| Core capital (leverage) ratio | 13.6256% | 898 |
| Tier 1 risk-based capital ratio | 22.8441% | 1,152 |
| Total risk-based capital ratio | 23.5897% | 1,210 |
| Memoranda: | ||
| Average total assets | $79,228,500 | 5,504 |
| Average earning assets | $73,656,000 | 5,447 |
| Average equity | $11,280,500 | 4,774 |
| Average total loans | $43,850,500 | 5,472 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 5,278 |
| Cost of funding earning assets | 0.4514% | 6,729 |
| Net interest margin | 3.9905% | 2,933 |
| Noninterest income to average assets | 0.8002% | 2,059 |
| Noninterest expense to average assets | 3.7897% | 1,365 |
| Loan and lease loss provision to assets | 0.1193% | 5,107 |
| Net operating income to assets | 0.4630% | 4,575 |
| Return on assets (ROA) | 0.4630% | 4,776 |
| Pretax return on assets | 0.4916% | 5,018 |
| Return on Equity (ROE) | 3.1844% | 5,210 |
| Retained earnings to average equity (ytd only) | 1.1685% | 5,309 |
| Net charge-offs to loans | 0.5702% | 2,742 |
| Credit loss provision to net charge-offs | 36.9478% | 5,680 |
| Earnings coverage of net charge-offs (x) | 1.8916% | 4,358 |
| Efficiency ratio | 86.1185% | 1,555 |
| Assets per employee ($millions) | 3.3737% | 5,317 |
| Cash dividends to net income (ytd only)* | 63.3053% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 6,537 |
| Loan loss allowance to noncurrent loans | 54.6419% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 3,724 |
| Noncurrent loans to loans | 1.6453% | 3,697 |
| Net loans and leases to total assets | 58.5275% | 4,276 |
| Net loans and leases to deposits | 68.5478% | 4,357 |
| Net loans and leases to core deposits | 68.5478% | 4,962 |
| Total domestic deposits to total assets | 85.3820% | 3,653 |
| Equity capital to assets | 14.4750% | 906 |
| Core capital (leverage) ratio | 14.2646% | 763 |
| Tier 1 risk-based capital ratio | 20.8090% | 1,455 |
| Total risk-based capital ratio | 21.5734% | 1,537 |
| Memoranda: | ||
| Average total assets | $77,103,000 | 5,534 |
| Average earning assets | $69,565,600 | 5,551 |
| Average equity | $11,210,800 | 4,736 |
| Average total loans | $43,667,000 | 5,530 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 5,089 |
| Cost of funding earning assets | 0.5059% | 6,674 |
| Net interest margin | 4.0427% | 2,724 |
| Noninterest income to average assets | 0.7222% | 2,471 |
| Noninterest expense to average assets | 3.7628% | 1,377 |
| Loan and lease loss provision to assets | 0.1067% | 5,107 |
| Net operating income to assets | 0.4185% | 4,913 |
| Return on assets (ROA) | 0.4185% | 5,105 |
| Pretax return on assets | 0.4760% | 5,238 |
| Return on Equity (ROE) | 2.9200% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.9200% | 4,608 |
| Net charge-offs to loans | -0.0137% | 6,829 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5911% | 1,477 |
| Assets per employee ($millions) | 2.8584% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 4,462 |
| Loan loss allowance to noncurrent loans | 63.5135% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.9591% | 3,196 |
| Noncurrent loans to loans | 2.2378% | 3,064 |
| Net loans and leases to total assets | 59.5005% | 4,230 |
| Net loans and leases to deposits | 69.7191% | 4,343 |
| Net loans and leases to core deposits | 71.7840% | 4,741 |
| Total domestic deposits to total assets | 85.3431% | 3,588 |
| Equity capital to assets | 14.3511% | 1,040 |
| Core capital (leverage) ratio | 14.2192% | 840 |
| Tier 1 risk-based capital ratio | 20.3081% | 1,617 |
| Total risk-based capital ratio | 21.5251% | 1,590 |
| Memoranda: | ||
| Average total assets | $64,985,250 | 5,938 |
| Average earning assets | $58,243,250 | 5,970 |
| Average equity | $9,314,750 | 5,230 |
| Average total loans | $39,015,750 | 5,787 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 5,137 |
| Cost of funding earning assets | 0.5406% | 6,700 |
| Net interest margin | 4.0194% | 2,747 |
| Noninterest income to average assets | 0.7199% | 2,439 |
| Noninterest expense to average assets | 3.7663% | 1,408 |
| Loan and lease loss provision to assets | 0.1081% | 4,952 |
| Net operating income to assets | 0.3491% | 5,178 |
| Return on assets (ROA) | 0.3491% | 5,311 |
| Pretax return on assets | 0.3831% | 5,448 |
| Return on Equity (ROE) | 2.4367% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.4367% | 4,735 |
| Net charge-offs to loans | -0.0052% | 6,589 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4615% | 1,368 |
| Assets per employee ($millions) | 2.6080% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 4,243 |
| Loan loss allowance to noncurrent loans | 55.7830% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.0767% | 3,146 |
| Noncurrent loans to loans | 2.6423% | 2,748 |
| Net loans and leases to total assets | 55.8751% | 5,014 |
| Net loans and leases to deposits | 65.4333% | 5,083 |
| Net loans and leases to core deposits | 67.0742% | 5,383 |
| Total domestic deposits to total assets | 85.3924% | 3,680 |
| Equity capital to assets | 14.3208% | 988 |
| Core capital (leverage) ratio | 14.0218% | 865 |
| Tier 1 risk-based capital ratio | 21.8608% | 1,279 |
| Total risk-based capital ratio | 23.1108% | 1,252 |
| Memoranda: | ||
| Average total assets | $64,732,330 | 5,992 |
| Average earning assets | $56,974,000 | 6,058 |
| Average equity | $9,274,670 | 5,246 |
| Average total loans | $38,793,670 | 5,853 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 4,727 |
| Cost of funding earning assets | 0.5900% | 6,652 |
| Net interest margin | 4.0644% | 2,412 |
| Noninterest income to average assets | 0.7442% | 2,288 |
| Noninterest expense to average assets | 3.8078% | 1,327 |
| Loan and lease loss provision to assets | 0.1240% | 4,448 |
| Net operating income to assets | 0.2605% | 5,581 |
| Return on assets (ROA) | 0.2605% | 5,644 |
| Pretax return on assets | 0.2729% | 5,737 |
| Return on Equity (ROE) | 1.8175% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.8175% | 5,023 |
| Net charge-offs to loans | -0.0101% | 6,367 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5605% | 1,283 |
| Assets per employee ($millions) | 2.6659% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 4,441 |
| Loan loss allowance to noncurrent loans | 49.6255% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 2.1231% | 3,162 |
| Noncurrent loans to loans | 2.9193% | 2,574 |
| Net loans and leases to total assets | 54.0970% | 5,288 |
| Net loans and leases to deposits | 63.0061% | 5,383 |
| Net loans and leases to core deposits | 64.5423% | 5,674 |
| Total domestic deposits to total assets | 85.8598% | 3,605 |
| Equity capital to assets | 13.9016% | 1,030 |
| Core capital (leverage) ratio | 14.0009% | 848 |
| Tier 1 risk-based capital ratio | 18.7475% | 1,884 |
| Total risk-based capital ratio | 19.8216% | 1,894 |
| Memoranda: | ||
| Average total assets | $64,499,000 | 6,043 |
| Average earning assets | $54,916,000 | 6,167 |
| Average equity | $9,243,500 | 5,249 |
| Average total loans | $39,703,000 | 5,865 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 3,350 |
| Cost of funding earning assets | 0.7047% | 6,875 |
| Net interest margin | 4.5478% | 1,138 |
| Noninterest income to average assets | 0.8357% | 2,118 |
| Noninterest expense to average assets | 3.9192% | 1,285 |
| Loan and lease loss provision to assets | 0.3134% | 4,293 |
| Net operating income to assets | 0.6480% | 3,448 |
| Return on assets (ROA) | 0.6480% | 3,601 |
| Pretax return on assets | 0.8276% | 3,540 |
| Return on Equity (ROE) | 4.3244% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.3637% | 4,227 |
| Net charge-offs to loans | 0.1287% | 5,613 |
| Credit loss provision to net charge-offs | 355.5556% | 723 |
| Earnings coverage of net charge-offs (x) | 12.9444% | 1,456 |
| Efficiency ratio | 77.4516% | 2,796 |
| Assets per employee ($millions) | 2.4940% | 7,018 |
| Cash dividends to net income (ytd only)* | 45.3401% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 5,573 |
| Loan loss allowance to noncurrent loans | 55.6893% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0417% | 3,295 |
| Noncurrent loans to loans | 2.1344% | 3,388 |
| Net loans and leases to total assets | 67.8626% | 3,014 |
| Net loans and leases to deposits | 79.9007% | 3,193 |
| Net loans and leases to core deposits | 83.6258% | 3,647 |
| Total domestic deposits to total assets | 84.9337% | 3,891 |
| Equity capital to assets | 14.7905% | 840 |
| Core capital (leverage) ratio | 14.7319% | 707 |
| Tier 1 risk-based capital ratio | 19.2741% | 1,647 |
| Total risk-based capital ratio | 20.3395% | 1,662 |
| Memoranda: | ||
| Average total assets | $61,263,200 | 6,153 |
| Average earning assets | $56,906,200 | 6,100 |
| Average equity | $9,180,400 | 5,365 |
| Average total loans | $41,947,000 | 5,840 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 3,414 |
| Cost of funding earning assets | 0.7291% | 6,975 |
| Net interest margin | 4.5580% | 1,138 |
| Noninterest income to average assets | 0.7083% | 2,778 |
| Noninterest expense to average assets | 3.8715% | 1,242 |
| Loan and lease loss provision to assets | 0.2470% | 4,620 |
| Net operating income to assets | 0.6449% | 3,678 |
| Return on assets (ROA) | 0.6449% | 3,845 |
| Pretax return on assets | 0.8263% | 3,814 |
| Return on Equity (ROE) | 4.2892% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.2892% | 3,475 |
| Net charge-offs to loans | 0.0479% | 6,042 |
| Credit loss provision to net charge-offs | 753.3333% | 394 |
| Earnings coverage of net charge-offs (x) | 32.7325% | 822 |
| Efficiency ratio | 78.2935% | 2,587 |
| Assets per employee ($millions) | 2.4920% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 5,723 |
| Loan loss allowance to noncurrent loans | 157.3826% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 5,501 |
| Noncurrent loans to loans | 0.7285% | 5,744 |
| Net loans and leases to total assets | 64.9037% | 3,925 |
| Net loans and leases to deposits | 76.6889% | 4,055 |
| Net loans and leases to core deposits | 79.0982% | 4,646 |
| Total domestic deposits to total assets | 84.6324% | 3,812 |
| Equity capital to assets | 14.9438% | 902 |
| Core capital (leverage) ratio | 15.1154% | 695 |
| Tier 1 risk-based capital ratio | 20.2512% | 1,497 |
| Total risk-based capital ratio | 21.2740% | 1,514 |
| Memoranda: | ||
| Average total assets | $60,991,250 | 6,232 |
| Average earning assets | $56,690,500 | 6,179 |
| Average equity | $9,170,000 | 5,441 |
| Average total loans | $41,728,250 | 5,925 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 3,419 |
| Cost of funding earning assets | 0.7582% | 7,042 |
| Net interest margin | 4.5525% | 1,100 |
| Noninterest income to average assets | 0.7299% | 2,518 |
| Noninterest expense to average assets | 3.8610% | 1,246 |
| Loan and lease loss provision to assets | 0.2642% | 4,283 |
| Net operating income to assets | 0.6672% | 3,545 |
| Return on assets (ROA) | 0.6672% | 3,691 |
| Pretax return on assets | 0.8686% | 3,630 |
| Return on Equity (ROE) | 4.4282% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.4282% | 3,256 |
| Net charge-offs to loans | 0.0095% | 6,220 |
| Credit loss provision to net charge-offs | 4,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 204 |
| Efficiency ratio | 77.3148% | 2,846 |
| Assets per employee ($millions) | 2.4035% | 7,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 6,158 |
| Loan loss allowance to noncurrent loans | 774.1379% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 5,953 |
| Noncurrent loans to loans | 0.1364% | 6,987 |
| Net loans and leases to total assets | 70.0268% | 2,892 |
| Net loans and leases to deposits | 83.1331% | 3,048 |
| Net loans and leases to core deposits | 83.1331% | 4,261 |
| Total domestic deposits to total assets | 84.2345% | 3,999 |
| Equity capital to assets | 15.3378% | 812 |
| Core capital (leverage) ratio | 15.1702% | 688 |
| Tier 1 risk-based capital ratio | 19.8459% | 1,539 |
| Total risk-based capital ratio | 20.8152% | 1,564 |
| Memoranda: | ||
| Average total assets | $60,555,000 | 6,283 |
| Average earning assets | $56,716,000 | 6,214 |
| Average equity | $9,123,330 | 5,467 |
| Average total loans | $42,003,000 | 5,956 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1485% | 4,307 |
| Cost of funding earning assets | 0.8066% | 7,070 |
| Net interest margin | 4.3418% | 1,561 |
| Noninterest income to average assets | 0.7830% | 2,105 |
| Noninterest expense to average assets | 3.8296% | 1,278 |
| Loan and lease loss provision to assets | 0.0987% | 5,650 |
| Net operating income to assets | 0.7041% | 3,424 |
| Return on assets (ROA) | 0.7041% | 3,533 |
| Pretax return on assets | 0.9278% | 3,355 |
| Return on Equity (ROE) | 4.7152% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.7152% | 3,316 |
| Net charge-offs to loans | 0.0287% | 5,168 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 555 |
| Efficiency ratio | 78.8618% | 2,748 |
| Assets per employee ($millions) | 2.4042% | 7,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 6,756 |
| Loan loss allowance to noncurrent loans | 563.2353% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 6,340 |
| Noncurrent loans to loans | 0.1643% | 7,008 |
| Net loans and leases to total assets | 68.2251% | 3,335 |
| Net loans and leases to deposits | 80.7316% | 3,508 |
| Net loans and leases to core deposits | 83.3574% | 4,287 |
| Total domestic deposits to total assets | 84.5085% | 3,892 |
| Equity capital to assets | 15.1853% | 838 |
| Core capital (leverage) ratio | 14.6056% | 831 |
| Tier 1 risk-based capital ratio | 20.1212% | 1,502 |
| Total risk-based capital ratio | 20.9682% | 1,545 |
| Memoranda: | ||
| Average total assets | $60,789,000 | 6,352 |
| Average earning assets | $57,026,500 | 6,276 |
| Average equity | $9,077,000 | 5,521 |
| Average total loans | $41,741,500 | 6,039 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 6,364 |
| Cost of funding earning assets | 1.1013% | 6,976 |
| Net interest margin | 3.9210% | 3,185 |
| Noninterest income to average assets | 0.8761% | 2,044 |
| Noninterest expense to average assets | 3.7588% | 1,778 |
| Loan and lease loss provision to assets | 0.1272% | 6,370 |
| Net operating income to assets | 0.5470% | 3,542 |
| Return on assets (ROA) | 0.5470% | 3,628 |
| Pretax return on assets | 0.6471% | 3,760 |
| Return on Equity (ROE) | 3.8244% | 4,158 |
| Retained earnings to average equity (ytd only) | 1.8789% | 3,776 |
| Net charge-offs to loans | 0.1718% | 5,571 |
| Credit loss provision to net charge-offs | 115.9420% | 4,686 |
| Earnings coverage of net charge-offs (x) | 7.0580% | 2,229 |
| Efficiency ratio | 82.9183% | 2,485 |
| Assets per employee ($millions) | 2.6728% | 6,905 |
| Cash dividends to net income (ytd only)* | 50.8721% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 6,888 |
| Loan loss allowance to noncurrent loans | 579.6875% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 6,381 |
| Noncurrent loans to loans | 0.1520% | 7,048 |
| Net loans and leases to total assets | 67.8710% | 3,733 |
| Net loans and leases to deposits | 79.8435% | 4,025 |
| Net loans and leases to core deposits | 95.5416% | 4,506 |
| Total domestic deposits to total assets | 85.0050% | 3,546 |
| Equity capital to assets | 14.6843% | 982 |
| Core capital (leverage) ratio | 14.9855% | 791 |
| Tier 1 risk-based capital ratio | 19.5003% | 1,563 |
| Total risk-based capital ratio | 20.3049% | 1,607 |
| Memoranda: | ||
| Average total assets | $62,893,000 | 6,243 |
| Average earning assets | $58,659,200 | 6,192 |
| Average equity | $8,994,800 | 5,606 |
| Average total loans | $40,165,600 | 6,103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 6,956 |
| Cost of funding earning assets | 1.1365% | 7,076 |
| Net interest margin | 3.7343% | 3,933 |
| Noninterest income to average assets | 0.8495% | 2,206 |
| Noninterest expense to average assets | 3.6743% | 1,878 |
| Loan and lease loss provision to assets | 0.0822% | 6,546 |
| Net operating income to assets | 0.4933% | 4,011 |
| Return on assets (ROA) | 0.4933% | 4,109 |
| Pretax return on assets | 0.5839% | 4,238 |
| Return on Equity (ROE) | 3.4717% | 4,590 |
| Retained earnings to average equity (ytd only) | 3.4717% | 3,353 |
| Net charge-offs to loans | 0.1545% | 5,167 |
| Credit loss provision to net charge-offs | 84.7826% | 5,630 |
| Earnings coverage of net charge-offs (x) | 6.8697% | 2,523 |
| Efficiency ratio | 84.6527% | 2,227 |
| Assets per employee ($millions) | 2.5496% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 6,804 |
| Loan loss allowance to noncurrent loans | 2,206.2500% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 5,598 |
| Noncurrent loans to loans | 0.0403% | 7,412 |
| Net loans and leases to total assets | 67.1339% | 4,154 |
| Net loans and leases to deposits | 79.9139% | 4,403 |
| Net loans and leases to core deposits | 94.7211% | 4,957 |
| Total domestic deposits to total assets | 84.0078% | 3,717 |
| Equity capital to assets | 15.5164% | 884 |
| Core capital (leverage) ratio | 15.1234% | 832 |
| Tier 1 risk-based capital ratio | 20.7104% | 1,419 |
| Total risk-based capital ratio | 21.5178% | 1,462 |
| Memoranda: | ||
| Average total assets | $63,247,750 | 6,272 |
| Average earning assets | $59,126,500 | 6,206 |
| Average equity | $8,986,750 | 5,666 |
| Average total loans | $39,683,500 | 6,170 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 7,151 |
| Cost of funding earning assets | 1.1323% | 7,292 |
| Net interest margin | 3.7072% | 3,919 |
| Noninterest income to average assets | 0.7687% | 2,596 |
| Noninterest expense to average assets | 3.5441% | 2,212 |
| Loan and lease loss provision to assets | 0.0741% | 6,449 |
| Net operating income to assets | 0.5094% | 4,049 |
| Return on assets (ROA) | 0.5094% | 4,171 |
| Pretax return on assets | 0.6174% | 4,277 |
| Return on Equity (ROE) | 3.6874% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.6874% | 3,244 |
| Net charge-offs to loans | 0.2319% | 4,046 |
| Credit loss provision to net charge-offs | 52.1739% | 5,732 |
| Earnings coverage of net charge-offs (x) | 4.8696% | 2,977 |
| Efficiency ratio | 83.6735% | 2,515 |
| Assets per employee ($millions) | 2.5470% | 7,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 6,824 |
| Loan loss allowance to noncurrent loans | 301.7857% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9321% | 5,111 |
| Noncurrent loans to loans | 0.2943% | 6,779 |
| Net loans and leases to total assets | 64.3803% | 4,902 |
| Net loans and leases to deposits | 76.5735% | 5,088 |
| Net loans and leases to core deposits | 90.9845% | 5,453 |
| Total domestic deposits to total assets | 84.0765% | 3,723 |
| Equity capital to assets | 15.3995% | 947 |
| Core capital (leverage) ratio | 15.2978% | 857 |
| Tier 1 risk-based capital ratio | 21.1553% | 1,370 |
| Total risk-based capital ratio | 21.9510% | 1,405 |
| Memoranda: | ||
| Average total assets | $64,783,330 | 6,269 |
| Average earning assets | $60,585,000 | 6,196 |
| Average equity | $8,949,330 | 5,699 |
| Average total loans | $39,671,000 | 6,217 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 7,634 |
| Cost of funding earning assets | 1.0796% | 7,546 |
| Net interest margin | 3.5024% | 4,723 |
| Noninterest income to average assets | 0.7778% | 2,441 |
| Noninterest expense to average assets | 3.2290% | 2,862 |
| Loan and lease loss provision to assets | 0.0530% | 6,299 |
| Net operating income to assets | 0.6187% | 3,946 |
| Return on assets (ROA) | 0.6187% | 4,131 |
| Pretax return on assets | 0.7837% | 4,138 |
| Return on Equity (ROE) | 4.7120% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.7120% | 3,294 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4203% | 2,923 |
| Assets per employee ($millions) | 2.5190% | 7,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,592 |
| Loan loss allowance to noncurrent loans | 166.9683% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 4,342 |
| Noncurrent loans to loans | 0.5586% | 6,018 |
| Net loans and leases to total assets | 67.6447% | 4,214 |
| Net loans and leases to deposits | 80.4433% | 4,543 |
| Net loans and leases to core deposits | 95.7280% | 5,000 |
| Total domestic deposits to total assets | 84.0899% | 3,664 |
| Equity capital to assets | 15.4734% | 969 |
| Core capital (leverage) ratio | 15.3324% | 893 |
| Tier 1 risk-based capital ratio | 20.5110% | 1,522 |
| Total risk-based capital ratio | 21.3588% | 1,558 |
| Memoranda: | ||
| Average total assets | $67,885,000 | 6,182 |
| Average earning assets | $63,728,000 | 6,118 |
| Average equity | $8,913,500 | 5,733 |
| Average total loans | $40,480,500 | 6,215 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6038% | 7,051 |
| Cost of funding earning assets | 1.8809% | 6,786 |
| Net interest margin | 3.7230% | 4,371 |
| Noninterest income to average assets | 0.9171% | 1,895 |
| Noninterest expense to average assets | 3.5558% | 2,247 |
| Loan and lease loss provision to assets | 0.0522% | 6,765 |
| Net operating income to assets | 0.5989% | 4,307 |
| Return on assets (ROA) | 0.5989% | 4,173 |
| Pretax return on assets | 0.7555% | 4,232 |
| Return on Equity (ROE) | 4.1621% | 4,758 |
| Retained earnings to average equity (ytd only) | 2.2342% | 3,824 |
| Net charge-offs to loans | 0.0671% | 5,820 |
| Credit loss provision to net charge-offs | 128.0000% | 4,165 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,607 |
| Efficiency ratio | 81.4884% | 2,376 |
| Assets per employee ($millions) | 3.3840% | 4,979 |
| Cash dividends to net income (ytd only)* | 46.3215% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 6,810 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 4,711 |
| Noncurrent loans to loans | 0.5314% | 5,762 |
| Net loans and leases to total assets | 52.7290% | 6,772 |
| Net loans and leases to deposits | 59.7171% | 7,113 |
| Net loans and leases to core deposits | 102.1378% | 4,591 |
| Total domestic deposits to total assets | 88.2979% | 1,333 |
| Equity capital to assets | 11.3861% | 2,711 |
| Core capital (leverage) ratio | 13.9190% | 1,272 |
| Tier 1 risk-based capital ratio | 17.9630% | 2,046 |
| Total risk-based capital ratio | 18.6960% | 2,137 |
| Memoranda: | ||
| Average total assets | $61,280,400 | 6,345 |
| Average earning assets | $56,729,200 | 6,313 |
| Average equity | $8,817,600 | 5,801 |
| Average total loans | $37,254,600 | 6,299 |