Home > State Bank of Downs > Performance and Condition Ratios
State Bank of Downs, 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 | 5.5771% | 1,063 |
| Cost of funding earning assets | 1.4819% | 1,985 |
| Net interest margin | 4.0952% | 1,078 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.0061% | 3,608 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.8735% | 548 |
| Return on assets (ROA) | 1.9133% | 501 |
| Pretax return on assets | 2.0784% | 599 |
| Return on Equity (ROE) | 14.7300% | 1,335 |
| Retained earnings to average equity (ytd only) | 7.4698% | 1,722 |
| Net charge-offs to loans | 0.0188% | 1,978 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 137.2105% | 754 |
| Efficiency ratio | 49.4572% | 4,016 |
| Assets per employee ($millions) | 8.5346% | 1,167 |
| Cash dividends to net income (ytd only)* | 49.2807% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,081 |
| Loan loss allowance to noncurrent loans | 102.4777% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 651 |
| Noncurrent loans to loans | 1.0217% | 723 |
| Net loans and leases to total assets | 76.3400% | 1,075 |
| Net loans and leases to deposits | 89.3551% | 1,317 |
| Net loans and leases to core deposits | 92.0328% | 1,901 |
| Total domestic deposits to total assets | 85.4300% | 2,179 |
| Equity capital to assets | 13.2012% | 822 |
| Core capital (leverage) ratio | 12.8566% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $127,165,000 | 3,576 |
| Average earning assets | $122,680,000 | 3,519 |
| Average equity | $16,519,800 | 3,136 |
| Average total loans | $100,804,600 | 3,164 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5075% | 1,008 |
| Cost of funding earning assets | 1.3429% | 2,023 |
| Net interest margin | 4.1646% | 971 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.8946% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0494% | 471 |
| Return on assets (ROA) | 2.1015% | 426 |
| Pretax return on assets | 2.2895% | 486 |
| Return on Equity (ROE) | 16.2400% | 1,214 |
| Retained earnings to average equity (ytd only) | 11.5920% | 1,051 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.9033% | 4,140 |
| Assets per employee ($millions) | 8.6157% | 1,075 |
| Cash dividends to net income (ytd only)* | 28.6357% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,287 |
| Loan loss allowance to noncurrent loans | 107.1503% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 752 |
| Noncurrent loans to loans | 0.9477% | 871 |
| Net loans and leases to total assets | 77.9900% | 886 |
| Net loans and leases to deposits | 91.2641% | 1,120 |
| Net loans and leases to core deposits | 94.6609% | 1,638 |
| Total domestic deposits to total assets | 85.4600% | 2,361 |
| Equity capital to assets | 13.1868% | 776 |
| Core capital (leverage) ratio | 13.1376% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $126,951,500 | 3,595 |
| Average earning assets | $122,520,250 | 3,525 |
| Average equity | $16,424,750 | 3,131 |
| Average total loans | $101,316,000 | 3,164 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 988 |
| Cost of funding earning assets | 1.1700% | 2,078 |
| Net interest margin | 4.2023% | 928 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.8528% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0911% | 411 |
| Return on assets (ROA) | 2.1682% | 367 |
| Pretax return on assets | 2.4091% | 398 |
| Return on Equity (ROE) | 16.8700% | 1,120 |
| Retained earnings to average equity (ytd only) | 13.6507% | 727 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.3643% | 4,240 |
| Assets per employee ($millions) | 8.3589% | 1,158 |
| Cash dividends to net income (ytd only)* | 19.0789% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 3,363 |
| Loan loss allowance to noncurrent loans | 109.3023% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 676 |
| Noncurrent loans to loans | 0.9288% | 829 |
| Net loans and leases to total assets | 80.4000% | 592 |
| Net loans and leases to deposits | 94.2151% | 839 |
| Net loans and leases to core deposits | 97.8197% | 1,362 |
| Total domestic deposits to total assets | 85.3400% | 2,446 |
| Equity capital to assets | 13.3168% | 742 |
| Core capital (leverage) ratio | 13.1285% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $126,190,333 | 3,613 |
| Average earning assets | $122,219,333 | 3,539 |
| Average equity | $16,219,000 | 3,171 |
| Average total loans | $101,145,667 | 3,164 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2438% | 900 |
| Cost of funding earning assets | 0.9585% | 2,188 |
| Net interest margin | 4.2853% | 826 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.7663% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4804% | 248 |
| Return on assets (ROA) | 2.6542% | 209 |
| Pretax return on assets | 2.6542% | 303 |
| Return on Equity (ROE) | 21.0300% | 659 |
| Retained earnings to average equity (ytd only) | 21.0263% | 320 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.5923% | 4,401 |
| Assets per employee ($millions) | 7.8904% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,315 |
| Loan loss allowance to noncurrent loans | 109.3023% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 647 |
| Noncurrent loans to loans | 0.9564% | 785 |
| Net loans and leases to total assets | 77.5300% | 817 |
| Net loans and leases to deposits | 90.4545% | 1,014 |
| Net loans and leases to core deposits | 92.6148% | 1,472 |
| Total domestic deposits to total assets | 85.7100% | 2,676 |
| Equity capital to assets | 13.0070% | 759 |
| Core capital (leverage) ratio | 12.6859% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $126,594,000 | 3,651 |
| Average earning assets | $122,277,500 | 3,578 |
| Average equity | $15,980,000 | 3,218 |
| Average total loans | $100,795,000 | 3,202 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 914 |
| Cost of funding earning assets | 0.4378% | 1,806 |
| Net interest margin | 3.9442% | 872 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.9560% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9779% | 311 |
| Return on assets (ROA) | 2.0102% | 282 |
| Pretax return on assets | 2.0456% | 429 |
| Return on Equity (ROE) | 17.1200% | 840 |
| Retained earnings to average equity (ytd only) | 10.1436% | 1,109 |
| Net charge-offs to loans | -0.0106% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.2582% | 4,174 |
| Assets per employee ($millions) | 8.4627% | 1,107 |
| Cash dividends to net income (ytd only)* | 40.7581% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,328 |
| Loan loss allowance to noncurrent loans | 73.5420% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 369 |
| Noncurrent loans to loans | 1.3693% | 499 |
| Net loans and leases to total assets | 80.0700% | 583 |
| Net loans and leases to deposits | 92.5500% | 889 |
| Net loans and leases to core deposits | 95.3741% | 1,235 |
| Total domestic deposits to total assets | 86.5200% | 2,565 |
| Equity capital to assets | 12.2411% | 869 |
| Core capital (leverage) ratio | 12.0000% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $127,299,000 | 3,658 |
| Average earning assets | $123,118,000 | 3,584 |
| Average equity | $14,945,400 | 3,373 |
| Average total loans | $94,420,000 | 3,225 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 1,047 |
| Cost of funding earning assets | 0.3596% | 1,623 |
| Net interest margin | 3.7513% | 1,032 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.8557% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9895% | 290 |
| Return on assets (ROA) | 2.0326% | 276 |
| Pretax return on assets | 2.0713% | 400 |
| Return on Equity (ROE) | 17.5000% | 709 |
| Retained earnings to average equity (ytd only) | 13.2636% | 574 |
| Net charge-offs to loans | -0.0144% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.7511% | 4,287 |
| Assets per employee ($millions) | 8.4389% | 1,100 |
| Cash dividends to net income (ytd only)* | 24.2019% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,140 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 75.4400% | 970 |
| Net loans and leases to deposits | 87.1718% | 1,090 |
| Net loans and leases to core deposits | 89.2226% | 1,346 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 12.1982% | 840 |
| Core capital (leverage) ratio | 12.0698% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $127,388,500 | 3,684 |
| Average earning assets | $123,083,250 | 3,611 |
| Average equity | $14,797,000 | 3,424 |
| Average total loans | $92,355,750 | 3,263 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 1,136 |
| Cost of funding earning assets | 0.3286% | 1,450 |
| Net interest margin | 3.5562% | 1,168 |
| Noninterest income to average assets | 0.2162% | 3,911 |
| Noninterest expense to average assets | 1.8064% | 3,933 |
| Loan and lease loss provision to assets | 0.0047% | 2,522 |
| Net operating income to assets | 1.8030% | 333 |
| Return on assets (ROA) | 1.8675% | 283 |
| Pretax return on assets | 1.9129% | 455 |
| Return on Equity (ROE) | 16.3485% | 655 |
| Retained earnings to average equity (ytd only) | 14.2090% | 338 |
| Net charge-offs to loans | -0.0220% | 3,916 |
| Credit loss provision to net charge-offs | -30.0000% | 3,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3790% | 4,289 |
| Assets per employee ($millions) | 7.4780% | 1,622 |
| Cash dividends to net income (ytd only)* | 13.0872% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 76.8914% | 646 |
| Net loans and leases to deposits | 88.4686% | 801 |
| Net loans and leases to core deposits | 89.8932% | 1,127 |
| Total domestic deposits to total assets | 86.9138% | 2,965 |
| Equity capital to assets | 11.8386% | 928 |
| Core capital (leverage) ratio | 11.5419% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,656,667 | 3,719 |
| Average earning assets | $123,560,000 | 3,656 |
| Average equity | $14,582,333 | 3,538 |
| Average total loans | $90,964,667 | 3,314 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 1,573 |
| Cost of funding earning assets | 0.3333% | 1,339 |
| Net interest margin | 3.2424% | 1,745 |
| Noninterest income to average assets | 0.1126% | 4,444 |
| Noninterest expense to average assets | 1.8105% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3954% | 809 |
| Return on assets (ROA) | 1.5228% | 592 |
| Pretax return on assets | 1.5666% | 887 |
| Return on Equity (ROE) | 13.5763% | 915 |
| Retained earnings to average equity (ytd only) | 13.5763% | 412 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7803% | 3,897 |
| Assets per employee ($millions) | 7.7764% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,965 |
| Loan loss allowance to noncurrent loans | 34,033.3333% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,090 |
| Noncurrent loans to loans | 0.0035% | 4,023 |
| Net loans and leases to total assets | 64.6919% | 1,535 |
| Net loans and leases to deposits | 73.6731% | 1,637 |
| Net loans and leases to core deposits | 74.8001% | 1,866 |
| Total domestic deposits to total assets | 87.8093% | 2,618 |
| Equity capital to assets | 11.0039% | 1,329 |
| Core capital (leverage) ratio | 10.9538% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,922,000 | 3,735 |
| Average earning assets | $123,611,500 | 3,676 |
| Average equity | $14,348,500 | 3,619 |
| Average total loans | $87,055,500 | 3,374 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9708% | 1,433 |
| Cost of funding earning assets | 0.3694% | 1,762 |
| Net interest margin | 3.6014% | 1,465 |
| Noninterest income to average assets | 0.1044% | 4,586 |
| Noninterest expense to average assets | 2.0606% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5049% | 1,000 |
| Return on assets (ROA) | 1.5421% | 972 |
| Pretax return on assets | 1.5572% | 1,550 |
| Return on Equity (ROE) | 13.2603% | 1,381 |
| Retained earnings to average equity (ytd only) | 6.7055% | 2,035 |
| Net charge-offs to loans | -0.0467% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5560% | 3,510 |
| Assets per employee ($millions) | 7.7278% | 1,481 |
| Cash dividends to net income (ytd only)* | 49.4315% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.9964% | 1,046 |
| Net loans and leases to deposits | 80.1665% | 1,200 |
| Net loans and leases to core deposits | 81.6882% | 1,485 |
| Total domestic deposits to total assets | 87.3137% | 2,379 |
| Equity capital to assets | 11.4441% | 1,539 |
| Core capital (leverage) ratio | 11.1471% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,769,800 | 3,802 |
| Average earning assets | $115,592,800 | 3,745 |
| Average equity | $13,928,800 | 3,746 |
| Average total loans | $85,564,800 | 3,396 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0436% | 1,440 |
| Cost of funding earning assets | 0.3763% | 1,885 |
| Net interest margin | 3.6673% | 1,415 |
| Noninterest income to average assets | 0.0976% | 4,676 |
| Noninterest expense to average assets | 2.0011% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6166% | 997 |
| Return on assets (ROA) | 1.6666% | 932 |
| Pretax return on assets | 1.6801% | 1,454 |
| Return on Equity (ROE) | 14.2715% | 1,324 |
| Retained earnings to average equity (ytd only) | 10.2639% | 1,239 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1159% | 3,642 |
| Assets per employee ($millions) | 7.6148% | 1,500 |
| Cash dividends to net income (ytd only)* | 28.0808% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 71.5989% | 909 |
| Net loans and leases to deposits | 82.3242% | 1,090 |
| Net loans and leases to core deposits | 83.9152% | 1,435 |
| Total domestic deposits to total assets | 86.9719% | 2,363 |
| Equity capital to assets | 11.7321% | 1,527 |
| Core capital (leverage) ratio | 11.6230% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,801,000 | 3,859 |
| Average earning assets | $114,451,000 | 3,796 |
| Average equity | $13,873,500 | 3,801 |
| Average total loans | $85,064,000 | 3,450 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 1,172 |
| Cost of funding earning assets | 0.3891% | 1,978 |
| Net interest margin | 3.8206% | 1,109 |
| Noninterest income to average assets | 0.1036% | 4,678 |
| Noninterest expense to average assets | 2.0562% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7234% | 841 |
| Return on assets (ROA) | 1.7998% | 752 |
| Pretax return on assets | 1.8083% | 1,214 |
| Return on Equity (ROE) | 15.4369% | 1,059 |
| Retained earnings to average equity (ytd only) | 12.3932% | 835 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2806% | 3,764 |
| Assets per employee ($millions) | 7.5447% | 1,451 |
| Cash dividends to net income (ytd only)* | 19.7170% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 3,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.8124% | 1,218 |
| Net loans and leases to deposits | 80.2189% | 1,404 |
| Net loans and leases to core deposits | 81.4320% | 1,766 |
| Total domestic deposits to total assets | 87.0273% | 2,304 |
| Equity capital to assets | 11.6622% | 1,542 |
| Core capital (leverage) ratio | 11.5954% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,789,000 | 3,882 |
| Average earning assets | $113,593,333 | 3,811 |
| Average equity | $13,733,333 | 3,820 |
| Average total loans | $84,013,667 | 3,481 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 550 |
| Cost of funding earning assets | 0.4159% | 1,965 |
| Net interest margin | 4.3056% | 513 |
| Noninterest income to average assets | 0.0997% | 4,689 |
| Noninterest expense to average assets | 2.1079% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1354% | 458 |
| Return on assets (ROA) | 2.2901% | 390 |
| Pretax return on assets | 2.2764% | 612 |
| Return on Equity (ROE) | 19.6446% | 559 |
| Retained earnings to average equity (ytd only) | 19.6446% | 283 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8374% | 4,195 |
| Assets per employee ($millions) | 7.0820% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 3,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 68.3921% | 1,478 |
| Net loans and leases to deposits | 78.4856% | 1,674 |
| Net loans and leases to core deposits | 79.6687% | 2,033 |
| Total domestic deposits to total assets | 87.1397% | 2,259 |
| Equity capital to assets | 11.5404% | 1,517 |
| Core capital (leverage) ratio | 11.4962% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,326,000 | 3,899 |
| Average earning assets | $111,574,500 | 3,853 |
| Average equity | $13,561,000 | 3,838 |
| Average total loans | $83,393,000 | 3,506 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 1,387 |
| Cost of funding earning assets | 0.7334% | 1,549 |
| Net interest margin | 3.7364% | 1,685 |
| Noninterest income to average assets | 0.1419% | 4,584 |
| Noninterest expense to average assets | 2.2129% | 3,641 |
| Loan and lease loss provision to assets | 0.0797% | 3,381 |
| Net operating income to assets | 1.3784% | 1,068 |
| Return on assets (ROA) | 1.4199% | 1,061 |
| Pretax return on assets | 1.4617% | 1,463 |
| Return on Equity (ROE) | 11.3428% | 1,512 |
| Retained earnings to average equity (ytd only) | 7.0961% | 1,360 |
| Net charge-offs to loans | 0.0415% | 2,232 |
| Credit loss provision to net charge-offs | 256.2500% | 1,907 |
| Earnings coverage of net charge-offs (x) | 48.1875% | 1,234 |
| Efficiency ratio | 59.6229% | 3,501 |
| Assets per employee ($millions) | 6.6034% | 1,848 |
| Cash dividends to net income (ytd only)* | 37.4401% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 3,080 |
| Loan loss allowance to noncurrent loans | 9,810.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,395 |
| Noncurrent loans to loans | 0.0120% | 4,329 |
| Net loans and leases to total assets | 73.4772% | 1,093 |
| Net loans and leases to deposits | 84.6302% | 1,396 |
| Net loans and leases to core deposits | 86.2370% | 1,850 |
| Total domestic deposits to total assets | 86.8214% | 2,021 |
| Equity capital to assets | 11.7836% | 1,690 |
| Core capital (leverage) ratio | 11.6544% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,896,200 | 3,957 |
| Average earning assets | $98,303,200 | 3,908 |
| Average equity | $12,880,400 | 3,873 |
| Average total loans | $77,091,400 | 3,610 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5755% | 1,377 |
| Cost of funding earning assets | 0.8173% | 1,409 |
| Net interest margin | 3.7582% | 1,738 |
| Noninterest income to average assets | 0.1512% | 4,542 |
| Noninterest expense to average assets | 2.1533% | 3,807 |
| Loan and lease loss provision to assets | 0.1084% | 2,965 |
| Net operating income to assets | 1.4404% | 1,011 |
| Return on assets (ROA) | 1.4970% | 992 |
| Pretax return on assets | 1.5447% | 1,343 |
| Return on Equity (ROE) | 11.7661% | 1,437 |
| Retained earnings to average equity (ytd only) | 8.2331% | 1,227 |
| Net charge-offs to loans | 0.0565% | 1,804 |
| Credit loss provision to net charge-offs | 256.2500% | 1,906 |
| Earnings coverage of net charge-offs (x) | 37.5938% | 1,410 |
| Efficiency ratio | 57.4461% | 3,745 |
| Assets per employee ($millions) | 6.1962% | 2,088 |
| Cash dividends to net income (ytd only)* | 30.0266% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 70.6982% | 1,856 |
| Net loans and leases to deposits | 82.1856% | 2,078 |
| Net loans and leases to core deposits | 83.6056% | 2,517 |
| Total domestic deposits to total assets | 86.0227% | 2,058 |
| Equity capital to assets | 12.4422% | 1,451 |
| Core capital (leverage) ratio | 12.1119% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,555,750 | 3,985 |
| Average earning assets | $96,249,500 | 3,933 |
| Average equity | $12,793,500 | 3,886 |
| Average total loans | $75,498,000 | 3,651 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 1,426 |
| Cost of funding earning assets | 0.8967% | 1,391 |
| Net interest margin | 3.7960% | 1,847 |
| Noninterest income to average assets | 0.1698% | 4,445 |
| Noninterest expense to average assets | 2.1867% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5548% | 840 |
| Return on assets (ROA) | 1.6410% | 757 |
| Pretax return on assets | 1.6996% | 1,003 |
| Return on Equity (ROE) | 12.7982% | 1,150 |
| Retained earnings to average equity (ytd only) | 10.3394% | 726 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5838% | 3,746 |
| Assets per employee ($millions) | 6.5131% | 1,770 |
| Cash dividends to net income (ytd only)* | 19.2118% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,521 |
| Loan loss allowance to noncurrent loans | 57.3276% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.5584% | 585 |
| Noncurrent loans to loans | 2.0926% | 617 |
| Net loans and leases to total assets | 73.5791% | 1,464 |
| Net loans and leases to deposits | 85.5673% | 1,818 |
| Net loans and leases to core deposits | 88.2094% | 2,225 |
| Total domestic deposits to total assets | 85.9897% | 2,011 |
| Equity capital to assets | 12.4509% | 1,401 |
| Core capital (leverage) ratio | 12.5139% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,962,667 | 4,009 |
| Average earning assets | $94,573,667 | 3,961 |
| Average equity | $12,689,333 | 3,908 |
| Average total loans | $75,513,667 | 3,657 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 1,386 |
| Cost of funding earning assets | 1.0027% | 1,406 |
| Net interest margin | 3.8104% | 1,932 |
| Noninterest income to average assets | 0.2325% | 4,158 |
| Noninterest expense to average assets | 2.2047% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6566% | 555 |
| Return on assets (ROA) | 1.8393% | 422 |
| Pretax return on assets | 1.8393% | 645 |
| Return on Equity (ROE) | 14.1235% | 675 |
| Retained earnings to average equity (ytd only) | 14.1235% | 243 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0968% | 4,103 |
| Assets per employee ($millions) | 6.4475% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,450 |
| Loan loss allowance to noncurrent loans | 57.3983% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6771% | 592 |
| Noncurrent loans to loans | 2.1611% | 623 |
| Net loans and leases to total assets | 76.6451% | 1,193 |
| Net loans and leases to deposits | 89.5284% | 1,567 |
| Net loans and leases to core deposits | 92.4978% | 2,110 |
| Total domestic deposits to total assets | 85.6099% | 2,167 |
| Equity capital to assets | 13.2114% | 1,335 |
| Core capital (leverage) ratio | 12.7024% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,339,500 | 4,042 |
| Average earning assets | $91,748,500 | 4,001 |
| Average equity | $12,546,500 | 3,937 |
| Average total loans | $74,467,000 | 3,677 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 1,030 |
| Cost of funding earning assets | 0.9799% | 1,813 |
| Net interest margin | 4.2029% | 1,315 |
| Noninterest income to average assets | 0.0837% | 4,964 |
| Noninterest expense to average assets | 2.4790% | 3,505 |
| Loan and lease loss provision to assets | -0.0970% | 5,075 |
| Net operating income to assets | 1.6802% | 693 |
| Return on assets (ROA) | 1.7904% | 563 |
| Pretax return on assets | 1.8158% | 898 |
| Return on Equity (ROE) | 13.5306% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.8852% | 1,012 |
| Net charge-offs to loans | -0.1253% | 4,987 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6633% | 3,596 |
| Assets per employee ($millions) | 6.3978% | 1,359 |
| Cash dividends to net income (ytd only)* | 41.7231% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,120 |
| Loan loss allowance to noncurrent loans | 57.0466% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 544 |
| Noncurrent loans to loans | 2.2090% | 557 |
| Net loans and leases to total assets | 76.0126% | 1,415 |
| Net loans and leases to deposits | 88.3692% | 1,790 |
| Net loans and leases to core deposits | 91.3024% | 2,294 |
| Total domestic deposits to total assets | 86.0171% | 2,059 |
| Equity capital to assets | 12.8336% | 1,618 |
| Core capital (leverage) ratio | 12.7486% | 1,353 |
| Tier 1 risk-based capital ratio | 17.4001% | 1,924 |
| Total risk-based capital ratio | 18.6507% | 1,878 |
| Memoranda: | ||
| Average total assets | $90,761,000 | 4,137 |
| Average earning assets | $86,440,600 | 4,092 |
| Average equity | $12,009,800 | 3,998 |
| Average total loans | $70,249,200 | 3,775 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2164% | 1,007 |
| Cost of funding earning assets | 0.9594% | 1,941 |
| Net interest margin | 4.2571% | 1,256 |
| Noninterest income to average assets | 0.0820% | 5,042 |
| Noninterest expense to average assets | 2.3190% | 3,905 |
| Loan and lease loss provision to assets | -0.1312% | 5,185 |
| Net operating income to assets | 1.9375% | 451 |
| Return on assets (ROA) | 2.0866% | 344 |
| Pretax return on assets | 2.1119% | 534 |
| Return on Equity (ROE) | 15.6422% | 667 |
| Retained earnings to average equity (ytd only) | 11.5641% | 441 |
| Net charge-offs to loans | -0.1692% | 5,089 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8908% | 4,174 |
| Assets per employee ($millions) | 6.1655% | 1,482 |
| Cash dividends to net income (ytd only)* | 26.0712% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,098 |
| Loan loss allowance to noncurrent loans | 57.3983% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.7538% | 571 |
| Noncurrent loans to loans | 2.2188% | 568 |
| Net loans and leases to total assets | 78.0370% | 1,138 |
| Net loans and leases to deposits | 91.4529% | 1,512 |
| Net loans and leases to core deposits | 93.9922% | 2,179 |
| Total domestic deposits to total assets | 85.3303% | 2,283 |
| Equity capital to assets | 13.4122% | 1,395 |
| Core capital (leverage) ratio | 13.4736% | 1,142 |
| Tier 1 risk-based capital ratio | 17.4279% | 1,967 |
| Total risk-based capital ratio | 18.6787% | 1,928 |
| Memoranda: | ||
| Average total assets | $89,459,500 | 4,206 |
| Average earning assets | $85,471,250 | 4,154 |
| Average equity | $11,933,250 | 4,046 |
| Average total loans | $69,342,000 | 3,828 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 1,058 |
| Cost of funding earning assets | 0.9280% | 2,018 |
| Net interest margin | 4.2361% | 1,277 |
| Noninterest income to average assets | 0.2646% | 4,168 |
| Noninterest expense to average assets | 2.3063% | 3,987 |
| Loan and lease loss provision to assets | -0.1990% | 5,251 |
| Net operating income to assets | 2.1910% | 272 |
| Return on assets (ROA) | 2.1910% | 286 |
| Pretax return on assets | 2.2136% | 432 |
| Return on Equity (ROE) | 16.4567% | 528 |
| Retained earnings to average equity (ytd only) | 12.9242% | 308 |
| Net charge-offs to loans | -0.2585% | 5,166 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3752% | 4,527 |
| Assets per employee ($millions) | 5.8807% | 1,629 |
| Cash dividends to net income (ytd only)* | 21.4654% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 1,721 |
| Loan loss allowance to noncurrent loans | 57.4337% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.8376% | 538 |
| Noncurrent loans to loans | 2.3921% | 517 |
| Net loans and leases to total assets | 75.7649% | 1,586 |
| Net loans and leases to deposits | 87.9903% | 2,012 |
| Net loans and leases to core deposits | 90.4628% | 2,559 |
| Total domestic deposits to total assets | 86.1060% | 1,972 |
| Equity capital to assets | 13.7500% | 1,221 |
| Core capital (leverage) ratio | 13.6261% | 1,069 |
| Tier 1 risk-based capital ratio | 18.4116% | 1,698 |
| Total risk-based capital ratio | 19.6642% | 1,656 |
| Memoranda: | ||
| Average total assets | $88,451,670 | 4,246 |
| Average earning assets | $84,699,670 | 4,199 |
| Average equity | $11,776,330 | 4,078 |
| Average total loans | $68,088,670 | 3,876 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 1,564 |
| Cost of funding earning assets | 0.8809% | 2,088 |
| Net interest margin | 4.0295% | 1,763 |
| Noninterest income to average assets | 0.4064% | 3,144 |
| Noninterest expense to average assets | 2.2310% | 4,185 |
| Loan and lease loss provision to assets | -0.2032% | 5,312 |
| Net operating income to assets | 2.2626% | 237 |
| Return on assets (ROA) | 2.2626% | 247 |
| Pretax return on assets | 2.2626% | 386 |
| Return on Equity (ROE) | 17.2759% | 462 |
| Retained earnings to average equity (ytd only) | 17.2759% | 174 |
| Net charge-offs to loans | -0.2637% | 5,202 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0000% | 4,699 |
| Assets per employee ($millions) | 5.9274% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,755 |
| Loan loss allowance to noncurrent loans | 45.2381% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 2.3147% | 363 |
| Noncurrent loans to loans | 3.0483% | 351 |
| Net loans and leases to total assets | 74.8872% | 1,665 |
| Net loans and leases to deposits | 86.5366% | 2,066 |
| Net loans and leases to core deposits | 88.0320% | 2,679 |
| Total domestic deposits to total assets | 86.5382% | 2,045 |
| Equity capital to assets | 13.3358% | 1,278 |
| Core capital (leverage) ratio | 13.0298% | 1,261 |
| Tier 1 risk-based capital ratio | 18.1775% | 1,746 |
| Total risk-based capital ratio | 19.4290% | 1,697 |
| Memoranda: | ||
| Average total assets | $88,572,000 | 4,286 |
| Average earning assets | $85,370,500 | 4,235 |
| Average equity | $11,600,000 | 4,115 |
| Average total loans | $68,251,000 | 3,907 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 1,745 |
| Cost of funding earning assets | 0.6467% | 2,418 |
| Net interest margin | 4.0788% | 1,749 |
| Noninterest income to average assets | 0.0944% | 5,168 |
| Noninterest expense to average assets | 2.4075% | 3,860 |
| Loan and lease loss provision to assets | 0.1603% | 1,280 |
| Net operating income to assets | 1.4348% | 1,322 |
| Return on assets (ROA) | 1.4348% | 1,312 |
| Pretax return on assets | 1.4458% | 1,968 |
| Return on Equity (ROE) | 11.5195% | 1,894 |
| Retained earnings to average equity (ytd only) | 3.7017% | 3,544 |
| Net charge-offs to loans | 0.2018% | 949 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 10.0205% | 2,762 |
| Efficiency ratio | 59.9836% | 3,864 |
| Assets per employee ($millions) | 5.8822% | 1,606 |
| Cash dividends to net income (ytd only)* | 67.8653% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 1,829 |
| Loan loss allowance to noncurrent loans | 38.1714% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.7643% | 253 |
| Noncurrent loans to loans | 3.5354% | 248 |
| Net loans and leases to total assets | 77.1333% | 1,419 |
| Net loans and leases to deposits | 88.5894% | 1,977 |
| Net loans and leases to core deposits | 89.8217% | 2,588 |
| Total domestic deposits to total assets | 87.0683% | 1,756 |
| Equity capital to assets | 12.8557% | 1,413 |
| Core capital (leverage) ratio | 12.6504% | 1,393 |
| Tier 1 risk-based capital ratio | 16.6828% | 2,175 |
| Total risk-based capital ratio | 17.9347% | 2,120 |
| Memoranda: | ||
| Average total assets | $91,092,000 | 4,251 |
| Average earning assets | $87,524,800 | 4,197 |
| Average equity | $11,346,000 | 4,111 |
| Average total loans | $72,349,600 | 3,821 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6982% | 1,681 |
| Cost of funding earning assets | 0.5952% | 2,507 |
| Net interest margin | 4.1030% | 1,619 |
| Noninterest income to average assets | 0.0973% | 5,219 |
| Noninterest expense to average assets | 2.2627% | 4,188 |
| Loan and lease loss provision to assets | 0.0828% | 2,299 |
| Net operating income to assets | 1.6832% | 776 |
| Return on assets (ROA) | 1.6832% | 776 |
| Pretax return on assets | 1.6861% | 1,311 |
| Return on Equity (ROE) | 13.6188% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.7906% | 1,751 |
| Net charge-offs to loans | 0.1038% | 1,449 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 21.3679% | 1,924 |
| Efficiency ratio | 56.1239% | 4,377 |
| Assets per employee ($millions) | 5.8036% | 1,638 |
| Cash dividends to net income (ytd only)* | 42.7959% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,122 |
| Loan loss allowance to noncurrent loans | 27.1904% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 3.9332% | 127 |
| Noncurrent loans to loans | 4.7565% | 138 |
| Net loans and leases to total assets | 81.6206% | 777 |
| Net loans and leases to deposits | 95.5117% | 1,207 |
| Net loans and leases to core deposits | 96.4202% | 2,077 |
| Total domestic deposits to total assets | 85.4562% | 2,424 |
| Equity capital to assets | 13.2986% | 1,211 |
| Core capital (leverage) ratio | 12.7664% | 1,383 |
| Tier 1 risk-based capital ratio | 16.8279% | 2,159 |
| Total risk-based capital ratio | 18.0794% | 2,111 |
| Memoranda: | ||
| Average total assets | $91,806,750 | 4,282 |
| Average earning assets | $88,031,250 | 4,224 |
| Average equity | $11,346,750 | 4,147 |
| Average total loans | $73,190,000 | 3,845 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 1,749 |
| Cost of funding earning assets | 0.5710% | 2,427 |
| Net interest margin | 4.0397% | 1,726 |
| Noninterest income to average assets | 0.1135% | 5,218 |
| Noninterest expense to average assets | 2.1908% | 4,394 |
| Loan and lease loss provision to assets | 0.1264% | 1,566 |
| Net operating income to assets | 1.6683% | 774 |
| Return on assets (ROA) | 1.6683% | 783 |
| Pretax return on assets | 1.6747% | 1,284 |
| Return on Equity (ROE) | 13.8243% | 1,121 |
| Retained earnings to average equity (ytd only) | 10.1154% | 899 |
| Net charge-offs to loans | 0.1603% | 959 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 14.2542% | 2,108 |
| Efficiency ratio | 54.8820% | 4,595 |
| Assets per employee ($millions) | 6.0401% | 1,434 |
| Cash dividends to net income (ytd only)* | 26.8293% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,444 |
| Loan loss allowance to noncurrent loans | 26.1590% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 3.9282% | 144 |
| Noncurrent loans to loans | 4.7715% | 149 |
| Net loans and leases to total assets | 81.2982% | 808 |
| Net loans and leases to deposits | 94.3861% | 1,312 |
| Net loans and leases to core deposits | 95.2416% | 2,129 |
| Total domestic deposits to total assets | 86.1337% | 2,215 |
| Equity capital to assets | 12.6842% | 1,448 |
| Core capital (leverage) ratio | 12.1436% | 1,620 |
| Tier 1 risk-based capital ratio | 15.8083% | 2,508 |
| Total risk-based capital ratio | 17.0587% | 2,451 |
| Memoranda: | ||
| Average total assets | $93,391,000 | 4,288 |
| Average earning assets | $89,660,330 | 4,231 |
| Average equity | $11,270,000 | 4,188 |
| Average total loans | $73,591,670 | 3,855 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 1,480 |
| Cost of funding earning assets | 0.5423% | 2,463 |
| Net interest margin | 4.0913% | 1,463 |
| Noninterest income to average assets | 0.1308% | 5,208 |
| Noninterest expense to average assets | 2.1818% | 4,457 |
| Loan and lease loss provision to assets | 0.0295% | 3,124 |
| Net operating income to assets | 1.8357% | 522 |
| Return on assets (ROA) | 1.8357% | 524 |
| Pretax return on assets | 1.8357% | 846 |
| Return on Equity (ROE) | 15.5928% | 690 |
| Retained earnings to average equity (ytd only) | 15.5928% | 277 |
| Net charge-offs to loans | 0.0383% | 1,761 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 63.1429% | 818 |
| Efficiency ratio | 53.9103% | 4,809 |
| Assets per employee ($millions) | 5.9896% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,427 |
| Loan loss allowance to noncurrent loans | 37.7841% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.5711% | 353 |
| Noncurrent loans to loans | 3.3488% | 323 |
| Net loans and leases to total assets | 75.8058% | 1,567 |
| Net loans and leases to deposits | 88.1649% | 1,909 |
| Net loans and leases to core deposits | 88.6480% | 2,575 |
| Total domestic deposits to total assets | 85.9819% | 2,547 |
| Equity capital to assets | 11.8644% | 1,870 |
| Core capital (leverage) ratio | 11.5983% | 1,935 |
| Tier 1 risk-based capital ratio | 15.4834% | 2,670 |
| Total risk-based capital ratio | 16.7336% | 2,607 |
| Memoranda: | ||
| Average total assets | $94,786,000 | 4,311 |
| Average earning assets | $90,728,500 | 4,253 |
| Average equity | $11,159,000 | 4,252 |
| Average total loans | $73,093,500 | 3,905 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,269 |
| Cost of funding earning assets | 0.5794% | 1,744 |
| Net interest margin | 3.7362% | 2,652 |
| Noninterest income to average assets | 0.1923% | 4,994 |
| Noninterest expense to average assets | 2.2878% | 4,367 |
| Loan and lease loss provision to assets | 0.1837% | 1,160 |
| Net operating income to assets | 1.2599% | 1,328 |
| Return on assets (ROA) | 1.2599% | 1,352 |
| Pretax return on assets | 1.2878% | 2,401 |
| Return on Equity (ROE) | 10.9469% | 1,505 |
| Retained earnings to average equity (ytd only) | 8.2685% | 672 |
| Net charge-offs to loans | 0.2367% | 1,095 |
| Credit loss provision to net charge-offs | 103.6364% | 2,468 |
| Earnings coverage of net charge-offs (x) | 8.3030% | 2,929 |
| Efficiency ratio | 60.8571% | 4,132 |
| Assets per employee ($millions) | 5.5141% | 1,924 |
| Cash dividends to net income (ytd only)* | 24.4672% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,310 |
| Loan loss allowance to noncurrent loans | 36.0573% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 2.9497% | 274 |
| Noncurrent loans to loans | 3.5560% | 279 |
| Net loans and leases to total assets | 76.4655% | 1,515 |
| Net loans and leases to deposits | 89.8975% | 1,786 |
| Net loans and leases to core deposits | 90.4066% | 2,523 |
| Total domestic deposits to total assets | 85.0585% | 2,821 |
| Equity capital to assets | 11.6792% | 2,053 |
| Core capital (leverage) ratio | 11.5584% | 1,903 |
| Tier 1 risk-based capital ratio | 14.1915% | 3,263 |
| Total risk-based capital ratio | 15.3983% | 3,184 |
| Memoranda: | ||
| Average total assets | $93,101,400 | 4,370 |
| Average earning assets | $88,887,200 | 4,312 |
| Average equity | $10,715,400 | 4,345 |
| Average total loans | $69,719,400 | 3,969 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 1,826 |
| Cost of funding earning assets | 0.5851% | 1,642 |
| Net interest margin | 3.8538% | 2,205 |
| Noninterest income to average assets | 0.2224% | 4,886 |
| Noninterest expense to average assets | 2.1848% | 4,557 |
| Loan and lease loss provision to assets | 0.0875% | 2,335 |
| Net operating income to assets | 1.5967% | 724 |
| Return on assets (ROA) | 1.5967% | 741 |
| Pretax return on assets | 1.6253% | 1,328 |
| Return on Equity (ROE) | 13.9244% | 848 |
| Retained earnings to average equity (ytd only) | 13.9244% | 159 |
| Net charge-offs to loans | 0.1063% | 1,726 |
| Credit loss provision to net charge-offs | 110.9091% | 2,132 |
| Earnings coverage of net charge-offs (x) | 21.7095% | 1,900 |
| Efficiency ratio | 56.0545% | 4,729 |
| Assets per employee ($millions) | 5.2699% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,449 |
| Loan loss allowance to noncurrent loans | 29.6875% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 3.7338% | 184 |
| Noncurrent loans to loans | 4.3185% | 215 |
| Net loans and leases to total assets | 80.0174% | 984 |
| Net loans and leases to deposits | 96.4092% | 1,079 |
| Net loans and leases to core deposits | 96.9949% | 1,982 |
| Total domestic deposits to total assets | 82.9977% | 3,453 |
| Equity capital to assets | 12.4816% | 1,666 |
| Core capital (leverage) ratio | 12.1352% | 1,611 |
| Tier 1 risk-based capital ratio | 14.4843% | 3,191 |
| Total risk-based capital ratio | 15.6902% | 3,130 |
| Memoranda: | ||
| Average total assets | $92,942,000 | 4,411 |
| Average earning assets | $88,636,750 | 4,359 |
| Average equity | $10,657,250 | 4,395 |
| Average total loans | $68,997,000 | 4,017 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 2,132 |
| Cost of funding earning assets | 0.5739% | 1,619 |
| Net interest margin | 3.7245% | 2,567 |
| Noninterest income to average assets | 0.2722% | 4,598 |
| Noninterest expense to average assets | 2.0604% | 4,852 |
| Loan and lease loss provision to assets | 0.1297% | 1,603 |
| Net operating income to assets | 1.6287% | 653 |
| Return on assets (ROA) | 1.6287% | 675 |
| Pretax return on assets | 1.6564% | 1,175 |
| Return on Equity (ROE) | 14.6151% | 719 |
| Retained earnings to average equity (ytd only) | 14.6151% | 154 |
| Net charge-offs to loans | 0.1623% | 1,195 |
| Credit loss provision to net charge-offs | 110.9091% | 1,880 |
| Earnings coverage of net charge-offs (x) | 15.2727% | 2,032 |
| Efficiency ratio | 53.5655% | 5,050 |
| Assets per employee ($millions) | 5.4489% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,991 |
| Loan loss allowance to noncurrent loans | 127.7092% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 1,730 |
| Noncurrent loans to loans | 1.0883% | 1,802 |
| Net loans and leases to total assets | 71.3069% | 2,316 |
| Net loans and leases to deposits | 84.9622% | 2,359 |
| Net loans and leases to core deposits | 85.4557% | 2,935 |
| Total domestic deposits to total assets | 83.9278% | 3,224 |
| Equity capital to assets | 11.6968% | 2,156 |
| Core capital (leverage) ratio | 11.3545% | 2,083 |
| Tier 1 risk-based capital ratio | 14.7461% | 3,039 |
| Total risk-based capital ratio | 15.9968% | 2,971 |
| Memoranda: | ||
| Average total assets | $94,060,000 | 4,413 |
| Average earning assets | $90,267,000 | 4,351 |
| Average equity | $10,482,330 | 4,440 |
| Average total loans | $67,790,330 | 4,066 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 2,140 |
| Cost of funding earning assets | 0.5703% | 1,578 |
| Net interest margin | 3.6675% | 2,617 |
| Noninterest income to average assets | 0.4347% | 3,418 |
| Noninterest expense to average assets | 1.9921% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9710% | 321 |
| Return on assets (ROA) | 1.9710% | 335 |
| Pretax return on assets | 1.9710% | 536 |
| Return on Equity (ROE) | 18.1254% | 331 |
| Retained earnings to average equity (ytd only) | 18.1254% | 137 |
| Net charge-offs to loans | -0.0352% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2662% | 5,363 |
| Assets per employee ($millions) | 5.5870% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 2,104 |
| Loan loss allowance to noncurrent loans | 48.0640% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 2.0394% | 645 |
| Noncurrent loans to loans | 2.8981% | 492 |
| Net loans and leases to total assets | 69.3911% | 2,482 |
| Net loans and leases to deposits | 81.9861% | 2,513 |
| Net loans and leases to core deposits | 82.4466% | 3,049 |
| Total domestic deposits to total assets | 84.6377% | 3,246 |
| Equity capital to assets | 11.0951% | 2,538 |
| Core capital (leverage) ratio | 10.6921% | 2,690 |
| Tier 1 risk-based capital ratio | 14.5458% | 3,175 |
| Total risk-based capital ratio | 15.7950% | 3,107 |
| Memoranda: | ||
| Average total assets | $94,774,000 | 4,446 |
| Average earning assets | $91,179,500 | 4,368 |
| Average equity | $10,306,000 | 4,494 |
| Average total loans | $68,193,500 | 4,090 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 1,603 |
| Cost of funding earning assets | 0.5831% | 1,469 |
| Net interest margin | 3.8956% | 1,982 |
| Noninterest income to average assets | 0.1781% | 5,330 |
| Noninterest expense to average assets | 2.3399% | 4,456 |
| Loan and lease loss provision to assets | 0.5469% | 245 |
| Net operating income to assets | 0.9345% | 2,654 |
| Return on assets (ROA) | 0.9345% | 2,763 |
| Pretax return on assets | 1.0220% | 3,399 |
| Return on Equity (ROE) | 8.9671% | 2,439 |
| Retained earnings to average equity (ytd only) | 5.8381% | 1,801 |
| Net charge-offs to loans | 0.6494% | 340 |
| Credit loss provision to net charge-offs | 110.5263% | 2,368 |
| Earnings coverage of net charge-offs (x) | 3.1705% | 3,713 |
| Efficiency ratio | 59.8614% | 4,603 |
| Assets per employee ($millions) | 5.5629% | 1,817 |
| Cash dividends to net income (ytd only)* | 34.8941% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 2,380 |
| Loan loss allowance to noncurrent loans | 34.1203% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 2.8667% | 374 |
| Noncurrent loans to loans | 3.8980% | 274 |
| Net loans and leases to total assets | 72.5650% | 2,082 |
| Net loans and leases to deposits | 85.3161% | 2,263 |
| Net loans and leases to core deposits | 85.7950% | 2,869 |
| Total domestic deposits to total assets | 85.0543% | 3,021 |
| Equity capital to assets | 10.6525% | 2,976 |
| Core capital (leverage) ratio | 10.2816% | 3,129 |
| Tier 1 risk-based capital ratio | 13.8432% | 3,552 |
| Total risk-based capital ratio | 15.0923% | 3,462 |
| Memoranda: | ||
| Average total assets | $95,988,800 | 4,428 |
| Average earning assets | $91,925,000 | 4,352 |
| Average equity | $10,003,200 | 4,573 |
| Average total loans | $73,145,000 | 3,961 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 1,665 |
| Cost of funding earning assets | 0.5841% | 1,464 |
| Net interest margin | 3.8762% | 2,066 |
| Noninterest income to average assets | 0.0983% | 5,722 |
| Noninterest expense to average assets | 2.1852% | 4,805 |
| Loan and lease loss provision to assets | 0.2076% | 1,019 |
| Net operating income to assets | 1.3078% | 1,268 |
| Return on assets (ROA) | 1.3078% | 1,360 |
| Pretax return on assets | 1.4157% | 1,983 |
| Return on Equity (ROE) | 12.6180% | 1,146 |
| Retained earnings to average equity (ytd only) | 12.6180% | 242 |
| Net charge-offs to loans | 0.1801% | 1,297 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 11.7300% | 2,457 |
| Efficiency ratio | 57.3765% | 4,907 |
| Assets per employee ($millions) | 5.5755% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,628 |
| Loan loss allowance to noncurrent loans | 34.1203% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.8708% | 420 |
| Noncurrent loans to loans | 3.8416% | 303 |
| Net loans and leases to total assets | 73.4784% | 1,951 |
| Net loans and leases to deposits | 86.7526% | 2,177 |
| Net loans and leases to core deposits | 87.2405% | 2,827 |
| Total domestic deposits to total assets | 84.6987% | 2,944 |
| Equity capital to assets | 11.0231% | 2,985 |
| Core capital (leverage) ratio | 10.7780% | 2,705 |
| Tier 1 risk-based capital ratio | 15.2365% | 2,938 |
| Total risk-based capital ratio | 16.4863% | 2,871 |
| Memoranda: | ||
| Average total assets | $96,343,750 | 4,456 |
| Average earning assets | $92,218,750 | 4,381 |
| Average equity | $9,985,500 | 4,625 |
| Average total loans | $74,044,000 | 3,969 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 1,359 |
| Cost of funding earning assets | 0.5829% | 1,450 |
| Net interest margin | 3.9762% | 1,718 |
| Noninterest income to average assets | 0.0970% | 5,792 |
| Noninterest expense to average assets | 2.0462% | 5,179 |
| Loan and lease loss provision to assets | 0.3097% | 561 |
| Net operating income to assets | 1.4825% | 922 |
| Return on assets (ROA) | 1.4825% | 968 |
| Pretax return on assets | 1.5300% | 1,588 |
| Return on Equity (ROE) | 14.6064% | 730 |
| Retained earnings to average equity (ytd only) | 14.6064% | 158 |
| Net charge-offs to loans | 0.2660% | 905 |
| Credit loss provision to net charge-offs | 150.0000% | 1,584 |
| Earnings coverage of net charge-offs (x) | 8.9100% | 2,470 |
| Efficiency ratio | 52.6567% | 5,411 |
| Assets per employee ($millions) | 5.3508% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 3,040 |
| Loan loss allowance to noncurrent loans | 43.5499% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.2053% | 699 |
| Noncurrent loans to loans | 2.8842% | 529 |
| Net loans and leases to total assets | 75.5002% | 1,569 |
| Net loans and leases to deposits | 89.1043% | 1,853 |
| Net loans and leases to core deposits | 90.0934% | 2,526 |
| Total domestic deposits to total assets | 84.7324% | 2,987 |
| Equity capital to assets | 10.5871% | 3,542 |
| Core capital (leverage) ratio | 10.2855% | 3,221 |
| Tier 1 risk-based capital ratio | 13.7158% | 3,761 |
| Total risk-based capital ratio | 14.9600% | 3,691 |
| Memoranda: | ||
| Average total assets | $96,864,000 | 4,479 |
| Average earning assets | $92,298,670 | 4,417 |
| Average equity | $9,831,330 | 4,678 |
| Average total loans | $75,202,000 | 3,974 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 1,103 |
| Cost of funding earning assets | 0.5866% | 1,436 |
| Net interest margin | 4.0886% | 1,374 |
| Noninterest income to average assets | 0.1029% | 5,813 |
| Noninterest expense to average assets | 2.1289% | 5,056 |
| Loan and lease loss provision to assets | 0.4118% | 330 |
| Net operating income to assets | 1.3918% | 1,052 |
| Return on assets (ROA) | 1.3918% | 1,112 |
| Pretax return on assets | 1.4371% | 1,787 |
| Return on Equity (ROE) | 14.0125% | 831 |
| Retained earnings to average equity (ytd only) | 14.0125% | 318 |
| Net charge-offs to loans | 0.5264% | 410 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 4.4900% | 2,427 |
| Efficiency ratio | 53.5197% | 5,424 |
| Assets per employee ($millions) | 5.5292% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 3,649 |
| Loan loss allowance to noncurrent loans | 153.5088% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 3,346 |
| Noncurrent loans to loans | 0.7638% | 2,922 |
| Net loans and leases to total assets | 74.1053% | 1,710 |
| Net loans and leases to deposits | 86.5820% | 2,010 |
| Net loans and leases to core deposits | 90.2123% | 2,351 |
| Total domestic deposits to total assets | 85.5897% | 2,869 |
| Equity capital to assets | 9.8648% | 4,260 |
| Core capital (leverage) ratio | 9.9387% | 3,613 |
| Tier 1 risk-based capital ratio | 12.5343% | 4,552 |
| Total risk-based capital ratio | 13.6514% | 4,554 |
| Memoranda: | ||
| Average total assets | $97,138,500 | 4,506 |
| Average earning assets | $92,061,000 | 4,457 |
| Average equity | $9,648,500 | 4,734 |
| Average total loans | $75,981,500 | 3,966 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 1,116 |
| Cost of funding earning assets | 0.5657% | 1,625 |
| Net interest margin | 4.1316% | 1,335 |
| Noninterest income to average assets | 0.1019% | 5,871 |
| Noninterest expense to average assets | 2.6127% | 3,875 |
| Loan and lease loss provision to assets | 0.1863% | 1,199 |
| Net operating income to assets | 1.2606% | 1,365 |
| Return on assets (ROA) | 1.2606% | 1,412 |
| Pretax return on assets | 1.2708% | 2,396 |
| Return on Equity (ROE) | 13.1939% | 1,013 |
| Retained earnings to average equity (ytd only) | 6.4515% | 1,562 |
| Net charge-offs to loans | 0.1704% | 1,669 |
| Credit loss provision to net charge-offs | 138.1679% | 1,894 |
| Earnings coverage of net charge-offs (x) | 10.8092% | 2,654 |
| Efficiency ratio | 64.1972% | 4,220 |
| Assets per employee ($millions) | 4.9869% | 2,382 |
| Cash dividends to net income (ytd only)* | 51.1020% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,860 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,639 |
| Noncurrent loans to loans | 0.0181% | 5,447 |
| Net loans and leases to total assets | 80.6947% | 751 |
| Net loans and leases to deposits | 94.6908% | 1,137 |
| Net loans and leases to core deposits | 99.2034% | 1,578 |
| Total domestic deposits to total assets | 85.2192% | 2,995 |
| Equity capital to assets | 10.0041% | 3,953 |
| Core capital (leverage) ratio | 9.7561% | 3,827 |
| Tier 1 risk-based capital ratio | 12.0141% | 4,941 |
| Total risk-based capital ratio | 13.1231% | 4,938 |
| Memoranda: | ||
| Average total assets | $97,179,400 | 4,514 |
| Average earning assets | $93,328,600 | 4,443 |
| Average equity | $9,284,600 | 4,788 |
| Average total loans | $76,889,000 | 3,913 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6286% | 1,267 |
| Cost of funding earning assets | 0.5658% | 1,660 |
| Net interest margin | 4.0628% | 1,523 |
| Noninterest income to average assets | 0.1050% | 5,942 |
| Noninterest expense to average assets | 2.4529% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5448% | 857 |
| Return on assets (ROA) | 1.5448% | 897 |
| Pretax return on assets | 1.5585% | 1,509 |
| Return on Equity (ROE) | 16.3559% | 551 |
| Retained earnings to average equity (ytd only) | 9.5854% | 719 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1489% | 4,699 |
| Assets per employee ($millions) | 4.5135% | 2,988 |
| Cash dividends to net income (ytd only)* | 41.3946% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 4,491 |
| Loan loss allowance to noncurrent loans | 20,625.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,804 |
| Noncurrent loans to loans | 0.0051% | 5,636 |
| Net loans and leases to total assets | 82.2850% | 546 |
| Net loans and leases to deposits | 97.9479% | 821 |
| Net loans and leases to core deposits | 102.6845% | 1,327 |
| Total domestic deposits to total assets | 84.0089% | 3,422 |
| Equity capital to assets | 10.0692% | 4,080 |
| Core capital (leverage) ratio | 9.7322% | 3,996 |
| Tier 1 risk-based capital ratio | 11.8718% | 5,152 |
| Total risk-based capital ratio | 12.8980% | 5,217 |
| Memoranda: | ||
| Average total assets | $97,786,500 | 4,553 |
| Average earning assets | $94,021,500 | 4,484 |
| Average equity | $9,236,000 | 4,858 |
| Average total loans | $76,777,750 | 3,957 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 1,458 |
| Cost of funding earning assets | 0.5620% | 1,713 |
| Net interest margin | 3.9652% | 1,757 |
| Noninterest income to average assets | 0.1053% | 6,010 |
| Noninterest expense to average assets | 2.4254% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5042% | 891 |
| Return on assets (ROA) | 1.5042% | 936 |
| Pretax return on assets | 1.5083% | 1,624 |
| Return on Equity (ROE) | 16.2701% | 580 |
| Retained earnings to average equity (ytd only) | 12.8540% | 318 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6572% | 4,732 |
| Assets per employee ($millions) | 4.4705% | 3,033 |
| Cash dividends to net income (ytd only)* | 20.9960% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 4,592 |
| Loan loss allowance to noncurrent loans | 257.0093% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 4,570 |
| Noncurrent loans to loans | 0.4097% | 4,251 |
| Net loans and leases to total assets | 78.8269% | 958 |
| Net loans and leases to deposits | 91.9536% | 1,383 |
| Net loans and leases to core deposits | 96.9718% | 1,720 |
| Total domestic deposits to total assets | 85.7246% | 2,829 |
| Equity capital to assets | 9.6227% | 4,504 |
| Core capital (leverage) ratio | 9.5748% | 4,171 |
| Tier 1 risk-based capital ratio | 11.6447% | 5,376 |
| Total risk-based capital ratio | 12.6598% | 5,450 |
| Memoranda: | ||
| Average total assets | $98,787,330 | 4,571 |
| Average earning assets | $95,380,330 | 4,485 |
| Average equity | $9,133,330 | 4,915 |
| Average total loans | $76,097,670 | 3,997 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 1,628 |
| Cost of funding earning assets | 0.5674% | 1,684 |
| Net interest margin | 3.8758% | 1,977 |
| Noninterest income to average assets | 0.1050% | 6,058 |
| Noninterest expense to average assets | 2.4564% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3858% | 1,057 |
| Return on assets (ROA) | 1.3858% | 1,115 |
| Pretax return on assets | 1.4019% | 1,884 |
| Return on Equity (ROE) | 15.2988% | 669 |
| Retained earnings to average equity (ytd only) | 8.3408% | 1,440 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6649% | 4,526 |
| Assets per employee ($millions) | 4.3399% | 3,306 |
| Cash dividends to net income (ytd only)* | 45.4810% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 4,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 72.7193% | 1,696 |
| Net loans and leases to deposits | 84.2204% | 2,039 |
| Net loans and leases to core deposits | 88.7111% | 2,252 |
| Total domestic deposits to total assets | 86.3441% | 2,741 |
| Equity capital to assets | 9.0805% | 5,208 |
| Core capital (leverage) ratio | 8.9467% | 5,018 |
| Tier 1 risk-based capital ratio | 11.2860% | 5,671 |
| Total risk-based capital ratio | 12.3132% | 5,698 |
| Memoranda: | ||
| Average total assets | $99,005,500 | 4,602 |
| Average earning assets | $95,877,000 | 4,509 |
| Average equity | $8,968,000 | 4,997 |
| Average total loans | $74,970,500 | 4,051 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 967 |
| Cost of funding earning assets | 0.6762% | 1,230 |
| Net interest margin | 4.1984% | 1,305 |
| Noninterest income to average assets | -0.0116% | 6,412 |
| Noninterest expense to average assets | 2.9268% | 3,061 |
| Loan and lease loss provision to assets | 0.0578% | 3,385 |
| Net operating income to assets | 1.0112% | 2,331 |
| Return on assets (ROA) | 1.0346% | 2,318 |
| Pretax return on assets | 1.0762% | 3,177 |
| Return on Equity (ROE) | 10.1254% | 2,058 |
| Retained earnings to average equity (ytd only) | 4.8194% | 2,743 |
| Net charge-offs to loans | -0.0408% | 5,865 |
| Credit loss provision to net charge-offs | -178.5714% | 5,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5086% | 3,121 |
| Assets per employee ($millions) | 4.2693% | 3,421 |
| Cash dividends to net income (ytd only)* | 52.4022% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 4,651 |
| Loan loss allowance to noncurrent loans | 5,892.8571% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 5,997 |
| Noncurrent loans to loans | 0.0183% | 5,823 |
| Net loans and leases to total assets | 77.0971% | 1,120 |
| Net loans and leases to deposits | 89.3959% | 1,572 |
| Net loans and leases to core deposits | 94.2518% | 1,896 |
| Total domestic deposits to total assets | 86.2424% | 2,698 |
| Equity capital to assets | 9.0353% | 5,247 |
| Core capital (leverage) ratio | 8.8247% | 5,219 |
| Tier 1 risk-based capital ratio | 11.5398% | 5,635 |
| Total risk-based capital ratio | 12.6128% | 5,652 |
| Memoranda: | ||
| Average total assets | $86,510,800 | 4,916 |
| Average earning assets | $83,413,400 | 4,809 |
| Average equity | $8,839,200 | 5,013 |
| Average total loans | $68,637,600 | 4,220 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 966 |
| Cost of funding earning assets | 0.6905% | 1,197 |
| Net interest margin | 4.1913% | 1,310 |
| Noninterest income to average assets | -0.1180% | 6,535 |
| Noninterest expense to average assets | 2.6047% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2646% | 1,475 |
| Return on assets (ROA) | 1.2968% | 1,436 |
| Pretax return on assets | 1.3478% | 2,205 |
| Return on Equity (ROE) | 12.2746% | 1,408 |
| Retained earnings to average equity (ytd only) | 12.2746% | 394 |
| Net charge-offs to loans | -0.0560% | 5,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4632% | 4,144 |
| Assets per employee ($millions) | 4.5240% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 4,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.9834% | 838 |
| Net loans and leases to deposits | 94.1766% | 1,022 |
| Net loans and leases to core deposits | 98.7319% | 1,469 |
| Total domestic deposits to total assets | 83.8673% | 3,809 |
| Equity capital to assets | 10.7846% | 3,199 |
| Core capital (leverage) ratio | 10.8413% | 2,646 |
| Tier 1 risk-based capital ratio | 13.2415% | 4,705 |
| Total risk-based capital ratio | 14.3486% | 4,730 |
| Memoranda: | ||
| Average total assets | $83,590,250 | 5,025 |
| Average earning assets | $80,514,500 | 4,933 |
| Average equity | $8,831,000 | 5,054 |
| Average total loans | $66,664,750 | 4,313 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 810 |
| Cost of funding earning assets | 0.6862% | 1,263 |
| Net interest margin | 4.2688% | 1,095 |
| Noninterest income to average assets | -0.1401% | 6,610 |
| Noninterest expense to average assets | 2.6111% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2657% | 1,409 |
| Return on assets (ROA) | 1.2657% | 1,464 |
| Pretax return on assets | 1.3357% | 2,130 |
| Return on Equity (ROE) | 12.0672% | 1,402 |
| Retained earnings to average equity (ytd only) | 12.0672% | 419 |
| Net charge-offs to loans | -0.0849% | 6,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1567% | 4,342 |
| Assets per employee ($millions) | 4.3626% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 4,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 76.0234% | 1,160 |
| Net loans and leases to deposits | 90.8547% | 1,284 |
| Net loans and leases to core deposits | 95.4310% | 1,650 |
| Total domestic deposits to total assets | 83.6758% | 4,041 |
| Equity capital to assets | 10.8350% | 3,046 |
| Core capital (leverage) ratio | 10.7722% | 2,651 |
| Tier 1 risk-based capital ratio | 13.9214% | 4,303 |
| Total risk-based capital ratio | 15.0794% | 4,324 |
| Memoranda: | ||
| Average total assets | $82,801,670 | 5,086 |
| Average earning assets | $79,272,670 | 4,999 |
| Average equity | $8,684,670 | 5,112 |
| Average total loans | $65,997,670 | 4,355 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7854% | 1,077 |
| Cost of funding earning assets | 0.6858% | 1,333 |
| Net interest margin | 4.0996% | 1,451 |
| Noninterest income to average assets | -0.4930% | 6,714 |
| Noninterest expense to average assets | 2.5472% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7685% | 3,317 |
| Return on assets (ROA) | 0.7685% | 3,400 |
| Pretax return on assets | 0.8893% | 3,741 |
| Return on Equity (ROE) | 7.4504% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.4504% | 1,841 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1210% | 3,118 |
| Assets per employee ($millions) | 4.5483% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,063 |
| Loan loss allowance to noncurrent loans | 61.4815% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.4060% | 2,522 |
| Noncurrent loans to loans | 1.8111% | 2,117 |
| Net loans and leases to total assets | 76.7673% | 911 |
| Net loans and leases to deposits | 90.5839% | 1,083 |
| Net loans and leases to core deposits | 94.8934% | 1,477 |
| Total domestic deposits to total assets | 84.7472% | 3,972 |
| Equity capital to assets | 9.9703% | 3,876 |
| Core capital (leverage) ratio | 10.2010% | 3,290 |
| Tier 1 risk-based capital ratio | 13.0031% | 5,001 |
| Total risk-based capital ratio | 14.1305% | 5,015 |
| Memoranda: | ||
| Average total assets | $82,758,000 | 5,139 |
| Average earning assets | $79,324,000 | 5,043 |
| Average equity | $8,536,500 | 5,170 |
| Average total loans | $67,115,500 | 4,355 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5324% | 343 |
| Cost of funding earning assets | 0.6337% | 2,346 |
| Net interest margin | 4.8986% | 364 |
| Noninterest income to average assets | 0.1013% | 6,383 |
| Noninterest expense to average assets | 3.2092% | 2,390 |
| Loan and lease loss provision to assets | 0.3517% | 898 |
| Net operating income to assets | 1.1945% | 1,588 |
| Return on assets (ROA) | 1.1945% | 1,656 |
| Pretax return on assets | 1.2057% | 2,554 |
| Return on Equity (ROE) | 10.0402% | 2,096 |
| Retained earnings to average equity (ytd only) | 4.4820% | 2,986 |
| Net charge-offs to loans | 0.3334% | 2,006 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 5.5350% | 3,276 |
| Efficiency ratio | 67.3259% | 4,320 |
| Assets per employee ($millions) | 4.3944% | 3,100 |
| Cash dividends to net income (ytd only)* | 55.3592% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,087 |
| Loan loss allowance to noncurrent loans | 61.4815% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.2756% | 1,552 |
| Noncurrent loans to loans | 1.8095% | 2,224 |
| Net loans and leases to total assets | 83.9416% | 262 |
| Net loans and leases to deposits | 100.4508% | 462 |
| Net loans and leases to core deposits | 105.7732% | 806 |
| Total domestic deposits to total assets | 83.5649% | 4,334 |
| Equity capital to assets | 10.6917% | 2,943 |
| Core capital (leverage) ratio | 10.8462% | 2,531 |
| Tier 1 risk-based capital ratio | 12.7879% | 5,123 |
| Total risk-based capital ratio | 13.9174% | 5,145 |
| Memoranda: | ||
| Average total assets | $71,077,600 | 5,438 |
| Average earning assets | $67,692,600 | 5,354 |
| Average equity | $8,456,000 | 5,224 |
| Average total loans | $59,989,200 | 4,611 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6462% | 298 |
| Cost of funding earning assets | 0.6165% | 2,674 |
| Net interest margin | 5.0297% | 300 |
| Noninterest income to average assets | 0.1100% | 6,453 |
| Noninterest expense to average assets | 3.1696% | 2,450 |
| Loan and lease loss provision to assets | 0.0965% | 3,152 |
| Net operating income to assets | 1.6118% | 731 |
| Return on assets (ROA) | 1.6118% | 775 |
| Pretax return on assets | 1.6157% | 1,303 |
| Return on Equity (ROE) | 13.1663% | 1,204 |
| Retained earnings to average equity (ytd only) | 10.6907% | 641 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9268% | 4,661 |
| Assets per employee ($millions) | 3.9223% | 3,998 |
| Cash dividends to net income (ytd only)* | 18.8025% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 4,142 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 84.6922% | 206 |
| Net loans and leases to deposits | 103.1324% | 325 |
| Net loans and leases to core deposits | 109.5365% | 594 |
| Total domestic deposits to total assets | 82.1199% | 4,881 |
| Equity capital to assets | 11.7492% | 2,085 |
| Core capital (leverage) ratio | 11.9384% | 1,708 |
| Tier 1 risk-based capital ratio | 14.0598% | 4,382 |
| Total risk-based capital ratio | 15.2592% | 4,379 |
| Memoranda: | ||
| Average total assets | $69,072,250 | 5,563 |
| Average earning assets | $65,529,250 | 5,472 |
| Average equity | $8,455,750 | 5,283 |
| Average total loans | $58,200,500 | 4,717 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5930% | 324 |
| Cost of funding earning assets | 0.5991% | 2,953 |
| Net interest margin | 4.9939% | 312 |
| Noninterest income to average assets | 0.0624% | 6,631 |
| Noninterest expense to average assets | 3.0719% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7188% | 602 |
| Return on assets (ROA) | 1.7188% | 655 |
| Pretax return on assets | 1.7248% | 1,057 |
| Return on Equity (ROE) | 13.8349% | 1,050 |
| Retained earnings to average equity (ytd only) | 13.8349% | 313 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0422% | 4,867 |
| Assets per employee ($millions) | 3.4812% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8402% | 4,137 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 88.0858% | 88 |
| Net loans and leases to deposits | 108.6490% | 169 |
| Net loans and leases to core deposits | 115.0274% | 415 |
| Total domestic deposits to total assets | 81.0738% | 5,324 |
| Equity capital to assets | 12.4327% | 1,619 |
| Core capital (leverage) ratio | 12.7651% | 1,259 |
| Tier 1 risk-based capital ratio | 14.3171% | 4,212 |
| Total risk-based capital ratio | 15.4700% | 4,234 |
| Memoranda: | ||
| Average total assets | $67,255,000 | 5,653 |
| Average earning assets | $63,758,330 | 5,570 |
| Average equity | $8,355,670 | 5,351 |
| Average total loans | $56,313,000 | 4,813 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3291% | 483 |
| Cost of funding earning assets | 0.5999% | 3,109 |
| Net interest margin | 4.7292% | 454 |
| Noninterest income to average assets | 0.0242% | 6,801 |
| Noninterest expense to average assets | 2.9605% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5438% | 778 |
| Return on assets (ROA) | 1.5438% | 855 |
| Pretax return on assets | 1.5498% | 1,424 |
| Return on Equity (ROE) | 12.4307% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.4307% | 644 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6376% | 4,724 |
| Assets per employee ($millions) | 3.3406% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 4,859 |
| Loan loss allowance to noncurrent loans | 359.2784% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 3,618 |
| Noncurrent loans to loans | 0.3527% | 5,514 |
| Net loans and leases to total assets | 81.2950% | 325 |
| Net loans and leases to deposits | 98.7958% | 401 |
| Net loans and leases to core deposits | 100.0719% | 944 |
| Total domestic deposits to total assets | 82.2859% | 5,095 |
| Equity capital to assets | 12.4725% | 1,730 |
| Core capital (leverage) ratio | 12.3289% | 1,412 |
| Tier 1 risk-based capital ratio | 12.8912% | 5,305 |
| Total risk-based capital ratio | 13.9695% | 5,367 |
| Memoranda: | ||
| Average total assets | $66,071,000 | 5,736 |
| Average earning assets | $62,675,000 | 5,654 |
| Average equity | $8,205,500 | 5,432 |
| Average total loans | $53,457,000 | 4,933 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 1,087 |
| Cost of funding earning assets | 0.7163% | 3,358 |
| Net interest margin | 4.5012% | 945 |
| Noninterest income to average assets | 0.1514% | 6,279 |
| Noninterest expense to average assets | 3.3598% | 2,153 |
| Loan and lease loss provision to assets | 0.3955% | 1,647 |
| Net operating income to assets | 0.6179% | 4,153 |
| Return on assets (ROA) | 0.6179% | 4,418 |
| Pretax return on assets | 0.5994% | 4,996 |
| Return on Equity (ROE) | 4.9242% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.3636% | 4,572 |
| Net charge-offs to loans | 0.4982% | 2,245 |
| Credit loss provision to net charge-offs | 106.6667% | 2,784 |
| Earnings coverage of net charge-offs (x) | 2.6833% | 4,088 |
| Efficiency ratio | 77.1550% | 2,572 |
| Assets per employee ($millions) | 3.4385% | 5,128 |
| Cash dividends to net income (ytd only)* | 52.0000% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 4,444 |
| Loan loss allowance to noncurrent loans | 186.8633% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6990% | 2,849 |
| Noncurrent loans to loans | 0.7186% | 4,743 |
| Net loans and leases to total assets | 78.3793% | 627 |
| Net loans and leases to deposits | 95.2563% | 666 |
| Net loans and leases to core deposits | 96.5149% | 1,260 |
| Total domestic deposits to total assets | 82.2825% | 4,998 |
| Equity capital to assets | 12.3647% | 1,814 |
| Core capital (leverage) ratio | 12.4815% | 1,327 |
| Tier 1 risk-based capital ratio | 12.9236% | 5,167 |
| Total risk-based capital ratio | 14.0387% | 5,198 |
| Memoranda: | ||
| Average total assets | $64,735,800 | 5,793 |
| Average earning assets | $60,450,400 | 5,730 |
| Average equity | $8,123,200 | 5,465 |
| Average total loans | $48,174,200 | 5,171 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1463% | 1,309 |
| Cost of funding earning assets | 0.7520% | 3,338 |
| Net interest margin | 4.3944% | 1,211 |
| Noninterest income to average assets | 0.1775% | 6,243 |
| Noninterest expense to average assets | 3.1357% | 2,779 |
| Loan and lease loss provision to assets | 0.2312% | 2,731 |
| Net operating income to assets | 0.9248% | 2,852 |
| Return on assets (ROA) | 0.9248% | 3,077 |
| Pretax return on assets | 0.9001% | 4,095 |
| Return on Equity (ROE) | 7.3430% | 3,616 |
| Retained earnings to average equity (ytd only) | 7.3430% | 1,923 |
| Net charge-offs to loans | 0.2709% | 3,102 |
| Credit loss provision to net charge-offs | 116.6667% | 2,493 |
| Earnings coverage of net charge-offs (x) | 5.7082% | 2,950 |
| Efficiency ratio | 73.4881% | 3,073 |
| Assets per employee ($millions) | 3.5411% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 4,158 |
| Loan loss allowance to noncurrent loans | 132.7619% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.9799% | 2,677 |
| Noncurrent loans to loans | 1.0921% | 4,252 |
| Net loans and leases to total assets | 74.3238% | 1,200 |
| Net loans and leases to deposits | 91.2917% | 1,028 |
| Net loans and leases to core deposits | 92.0903% | 1,771 |
| Total domestic deposits to total assets | 81.4136% | 5,227 |
| Equity capital to assets | 13.0750% | 1,560 |
| Core capital (leverage) ratio | 13.1221% | 1,143 |
| Tier 1 risk-based capital ratio | 13.4246% | 4,933 |
| Total risk-based capital ratio | 14.5474% | 4,991 |
| Memoranda: | ||
| Average total assets | $64,587,000 | 5,863 |
| Average earning assets | $60,106,000 | 5,802 |
| Average equity | $8,134,500 | 5,516 |
| Average total loans | $47,242,000 | 5,261 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0602% | 1,631 |
| Cost of funding earning assets | 0.7823% | 3,342 |
| Net interest margin | 4.2779% | 1,522 |
| Noninterest income to average assets | 0.1603% | 6,385 |
| Noninterest expense to average assets | 2.9228% | 3,530 |
| Loan and lease loss provision to assets | 0.1295% | 3,910 |
| Net operating income to assets | 1.1068% | 2,024 |
| Return on assets (ROA) | 1.1068% | 2,241 |
| Pretax return on assets | 1.0698% | 3,420 |
| Return on Equity (ROE) | 8.8994% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.8994% | 1,307 |
| Net charge-offs to loans | 0.1789% | 3,525 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 9.2619% | 2,188 |
| Efficiency ratio | 70.9050% | 3,617 |
| Assets per employee ($millions) | 3.4784% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 3,912 |
| Loan loss allowance to noncurrent loans | 215.7895% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 2.5363% | 2,207 |
| Noncurrent loans to loans | 0.7053% | 5,095 |
| Net loans and leases to total assets | 72.0325% | 1,547 |
| Net loans and leases to deposits | 90.4480% | 1,102 |
| Net loans and leases to core deposits | 90.4480% | 1,940 |
| Total domestic deposits to total assets | 79.6397% | 5,831 |
| Equity capital to assets | 13.1684% | 1,443 |
| Core capital (leverage) ratio | 12.4934% | 1,357 |
| Tier 1 risk-based capital ratio | 13.5290% | 4,799 |
| Total risk-based capital ratio | 14.6727% | 4,842 |
| Memoranda: | ||
| Average total assets | $64,869,330 | 5,888 |
| Average earning assets | $60,076,330 | 5,839 |
| Average equity | $8,068,000 | 5,549 |
| Average total loans | $46,965,670 | 5,305 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 2,157 |
| Cost of funding earning assets | 0.7398% | 3,946 |
| Net interest margin | 4.1835% | 1,801 |
| Noninterest income to average assets | 0.1636% | 6,403 |
| Noninterest expense to average assets | 2.7213% | 4,349 |
| Loan and lease loss provision to assets | 0.2546% | 2,418 |
| Net operating income to assets | 1.1334% | 1,944 |
| Return on assets (ROA) | 1.1334% | 2,127 |
| Pretax return on assets | 1.0606% | 3,466 |
| Return on Equity (ROE) | 9.3740% | 2,647 |
| Retained earnings to average equity (ytd only) | 9.3740% | 1,448 |
| Net charge-offs to loans | 0.3533% | 2,244 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,423 |
| Efficiency ratio | 67.4174% | 4,282 |
| Assets per employee ($millions) | 4.3379% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 4,245 |
| Loan loss allowance to noncurrent loans | 129.5539% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 2.6958% | 2,185 |
| Noncurrent loans to loans | 1.1446% | 4,425 |
| Net loans and leases to total assets | 62.7948% | 3,095 |
| Net loans and leases to deposits | 75.6914% | 2,847 |
| Net loans and leases to core deposits | 75.6914% | 3,651 |
| Total domestic deposits to total assets | 82.9616% | 4,945 |
| Equity capital to assets | 10.9458% | 2,970 |
| Core capital (leverage) ratio | 12.7068% | 1,239 |
| Tier 1 risk-based capital ratio | 11.3269% | 6,374 |
| Total risk-based capital ratio | 12.3050% | 6,494 |
| Memoranda: | ||
| Average total assets | $65,998,000 | 5,888 |
| Average earning assets | $61,097,500 | 5,839 |
| Average equity | $7,979,500 | 5,605 |
| Average total loans | $47,549,500 | 5,315 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6360% | 891 |
| Cost of funding earning assets | 1.0779% | 2,818 |
| Net interest margin | 4.5581% | 1,004 |
| Noninterest income to average assets | 0.5283% | 3,661 |
| Noninterest expense to average assets | 3.2341% | 2,751 |
| Loan and lease loss provision to assets | 0.8321% | 1,171 |
| Net operating income to assets | 0.6178% | 3,899 |
| Return on assets (ROA) | 0.6178% | 4,096 |
| Pretax return on assets | 0.6448% | 4,534 |
| Return on Equity (ROE) | 4.5988% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.3193% | 5,235 |
| Net charge-offs to loans | 1.0519% | 1,648 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 1.7748% | 4,449 |
| Efficiency ratio | 68.6492% | 4,221 |
| Assets per employee ($millions) | 3.4265% | 5,188 |
| Cash dividends to net income (ytd only)* | 71.3115% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 4,240 |
| Loan loss allowance to noncurrent loans | 211.8541% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 3.0626% | 1,956 |
| Noncurrent loans to loans | 0.6841% | 5,332 |
| Net loans and leases to total assets | 81.3668% | 384 |
| Net loans and leases to deposits | 103.3357% | 328 |
| Net loans and leases to core deposits | 103.3357% | 942 |
| Total domestic deposits to total assets | 78.7403% | 6,051 |
| Equity capital to assets | 13.5397% | 1,244 |
| Core capital (leverage) ratio | 13.4184% | 999 |
| Tier 1 risk-based capital ratio | 13.8987% | 4,397 |
| Total risk-based capital ratio | 15.1272% | 4,374 |
| Memoranda: | ||
| Average total assets | $59,244,400 | 6,065 |
| Average earning assets | $54,365,200 | 6,032 |
| Average equity | $7,958,600 | 5,582 |
| Average total loans | $46,869,200 | 5,389 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5626% | 1,111 |
| Cost of funding earning assets | 1.1369% | 2,717 |
| Net interest margin | 4.4257% | 1,327 |
| Noninterest income to average assets | 0.1591% | 6,454 |
| Noninterest expense to average assets | 2.8350% | 4,215 |
| Loan and lease loss provision to assets | 0.5110% | 1,936 |
| Net operating income to assets | 0.8539% | 2,922 |
| Return on assets (ROA) | 0.8539% | 3,081 |
| Pretax return on assets | 0.8875% | 3,816 |
| Return on Equity (ROE) | 6.3686% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.3686% | 2,314 |
| Net charge-offs to loans | 0.6529% | 2,294 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 2.7369% | 3,760 |
| Efficiency ratio | 66.9666% | 4,534 |
| Assets per employee ($millions) | 3.4221% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 4,368 |
| Loan loss allowance to noncurrent loans | 42.8923% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 5.4232% | 1,033 |
| Noncurrent loans to loans | 3.3590% | 2,054 |
| Net loans and leases to total assets | 81.9582% | 363 |
| Net loans and leases to deposits | 104.7015% | 294 |
| Net loans and leases to core deposits | 104.7015% | 942 |
| Total domestic deposits to total assets | 78.2780% | 6,139 |
| Equity capital to assets | 14.0333% | 1,143 |
| Core capital (leverage) ratio | 13.8880% | 924 |
| Tier 1 risk-based capital ratio | 14.3621% | 4,083 |
| Total risk-based capital ratio | 15.5886% | 4,062 |
| Memoranda: | ||
| Average total assets | $59,492,750 | 6,108 |
| Average earning assets | $54,769,250 | 6,072 |
| Average equity | $7,976,500 | 5,608 |
| Average total loans | $46,563,000 | 5,450 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 1,350 |
| Cost of funding earning assets | 1.2081% | 2,523 |
| Net interest margin | 4.2683% | 1,772 |
| Noninterest income to average assets | 0.1502% | 6,573 |
| Noninterest expense to average assets | 2.8332% | 4,300 |
| Loan and lease loss provision to assets | 0.4038% | 2,411 |
| Net operating income to assets | 0.8543% | 2,838 |
| Return on assets (ROA) | 0.8543% | 2,932 |
| Pretax return on assets | 0.8510% | 3,827 |
| Return on Equity (ROE) | 6.4695% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.4695% | 2,155 |
| Net charge-offs to loans | 0.5266% | 2,517 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 3.1074% | 3,300 |
| Efficiency ratio | 69.3061% | 4,259 |
| Assets per employee ($millions) | 3.6847% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 4,128 |
| Loan loss allowance to noncurrent loans | 59.0178% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 4.5984% | 1,360 |
| Noncurrent loans to loans | 2.5434% | 2,841 |
| Net loans and leases to total assets | 77.5795% | 830 |
| Net loans and leases to deposits | 99.8014% | 505 |
| Net loans and leases to core deposits | 99.8014% | 1,360 |
| Total domestic deposits to total assets | 77.7339% | 6,340 |
| Equity capital to assets | 13.6392% | 1,230 |
| Core capital (leverage) ratio | 13.2434% | 1,075 |
| Tier 1 risk-based capital ratio | 14.5527% | 3,752 |
| Total risk-based capital ratio | 15.8147% | 3,721 |
| Memoranda: | ||
| Average total assets | $59,931,670 | 6,139 |
| Average earning assets | $55,291,330 | 6,112 |
| Average equity | $7,914,000 | 5,642 |
| Average total loans | $45,958,330 | 5,525 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3460% | 1,732 |
| Cost of funding earning assets | 1.2215% | 2,673 |
| Net interest margin | 4.1245% | 2,174 |
| Noninterest income to average assets | 0.1655% | 6,546 |
| Noninterest expense to average assets | 2.9659% | 3,785 |
| Loan and lease loss provision to assets | 0.1456% | 4,190 |
| Net operating income to assets | 0.8673% | 2,714 |
| Return on assets (ROA) | 0.8673% | 2,772 |
| Pretax return on assets | 0.8540% | 3,690 |
| Return on Equity (ROE) | 6.6747% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.6747% | 2,290 |
| Net charge-offs to loans | 0.1925% | 3,348 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 6.8636% | 2,037 |
| Efficiency ratio | 74.7913% | 3,369 |
| Assets per employee ($millions) | 3.8701% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 3,837 |
| Loan loss allowance to noncurrent loans | 34.0000% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 6.8216% | 798 |
| Noncurrent loans to loans | 4.6374% | 1,496 |
| Net loans and leases to total assets | 70.2653% | 2,078 |
| Net loans and leases to deposits | 90.7761% | 1,146 |
| Net loans and leases to core deposits | 90.7761% | 2,264 |
| Total domestic deposits to total assets | 77.4051% | 6,465 |
| Equity capital to assets | 12.7824% | 1,481 |
| Core capital (leverage) ratio | 12.8503% | 1,178 |
| Tier 1 risk-based capital ratio | 13.6789% | 4,302 |
| Total risk-based capital ratio | 13.6789% | 5,310 |
| Memoranda: | ||
| Average total assets | $60,420,000 | 6,171 |
| Average earning assets | $55,668,000 | 6,138 |
| Average equity | $7,850,500 | 5,661 |
| Average total loans | $45,720,500 | 5,576 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0893% | 717 |
| Cost of funding earning assets | 1.3737% | 3,434 |
| Net interest margin | 4.7156% | 793 |
| Noninterest income to average assets | -0.4304% | 7,547 |
| Noninterest expense to average assets | 2.9068% | 4,200 |
| Loan and lease loss provision to assets | 0.7410% | 2,214 |
| Net operating income to assets | 0.2650% | 5,057 |
| Return on assets (ROA) | 0.2650% | 5,220 |
| Pretax return on assets | 0.2735% | 5,304 |
| Return on Equity (ROE) | 2.0127% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.0127% | 4,459 |
| Net charge-offs to loans | 0.9073% | 2,378 |
| Credit loss provision to net charge-offs | 100.2283% | 4,545 |
| Earnings coverage of net charge-offs (x) | 1.3721% | 4,736 |
| Efficiency ratio | 74.1283% | 3,372 |
| Assets per employee ($millions) | 3.6824% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 4,149 |
| Loan loss allowance to noncurrent loans | 25.9301% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 6.1627% | 948 |
| Noncurrent loans to loans | 5.6907% | 1,129 |
| Net loans and leases to total assets | 78.9864% | 799 |
| Net loans and leases to deposits | 103.3374% | 428 |
| Net loans and leases to core deposits | 104.7422% | 1,268 |
| Total domestic deposits to total assets | 76.4354% | 6,580 |
| Equity capital to assets | 13.2148% | 1,296 |
| Core capital (leverage) ratio | 12.8387% | 1,181 |
| Tier 1 risk-based capital ratio | 14.1679% | 3,757 |
| Total risk-based capital ratio | 15.4188% | 3,715 |
| Memoranda: | ||
| Average total assets | $59,241,000 | 6,235 |
| Average earning assets | $54,669,800 | 6,188 |
| Average equity | $7,800,400 | 5,774 |
| Average total loans | $48,275,800 | 5,548 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0682% | 811 |
| Cost of funding earning assets | 1.3942% | 3,617 |
| Net interest margin | 4.6741% | 902 |
| Noninterest income to average assets | -0.5979% | 7,698 |
| Noninterest expense to average assets | 2.6769% | 4,977 |
| Loan and lease loss provision to assets | 0.1011% | 6,008 |
| Net operating income to assets | 0.9080% | 2,571 |
| Return on assets (ROA) | 0.9080% | 2,722 |
| Pretax return on assets | 0.9193% | 3,497 |
| Return on Equity (ROE) | 6.9022% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.9022% | 1,902 |
| Net charge-offs to loans | 0.1209% | 5,341 |
| Credit loss provision to net charge-offs | 102.2727% | 4,209 |
| Earnings coverage of net charge-offs (x) | 10.3174% | 1,897 |
| Efficiency ratio | 72.4012% | 3,627 |
| Assets per employee ($millions) | 3.5071% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 4,115 |
| Loan loss allowance to noncurrent loans | 51.5914% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 4.1245% | 1,671 |
| Noncurrent loans to loans | 2.8453% | 2,806 |
| Net loans and leases to total assets | 78.4703% | 959 |
| Net loans and leases to deposits | 102.8355% | 494 |
| Net loans and leases to core deposits | 104.2192% | 1,461 |
| Total domestic deposits to total assets | 76.3066% | 6,600 |
| Equity capital to assets | 13.4821% | 1,356 |
| Core capital (leverage) ratio | 13.3934% | 1,092 |
| Tier 1 risk-based capital ratio | 14.5834% | 3,464 |
| Total risk-based capital ratio | 15.8332% | 3,437 |
| Memoranda: | ||
| Average total assets | $59,321,500 | 6,295 |
| Average earning assets | $54,512,000 | 6,263 |
| Average equity | $7,804,000 | 5,856 |
| Average total loans | $48,536,000 | 5,618 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1529% | 686 |
| Cost of funding earning assets | 1.4091% | 3,816 |
| Net interest margin | 4.7438% | 734 |
| Noninterest income to average assets | -0.9861% | 7,792 |
| Noninterest expense to average assets | 2.6240% | 5,232 |
| Loan and lease loss provision to assets | -0.0507% | 7,758 |
| Net operating income to assets | 0.7835% | 3,053 |
| Return on assets (ROA) | 0.7835% | 3,193 |
| Pretax return on assets | 0.7835% | 3,935 |
| Return on Equity (ROE) | 6.0057% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.0057% | 2,325 |
| Net charge-offs to loans | -0.0695% | 7,501 |
| Credit loss provision to net charge-offs | 88.2353% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1690% | 2,702 |
| Assets per employee ($millions) | 3.4419% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,394 |
| Loan loss allowance to noncurrent loans | 49.5035% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 4.3033% | 1,550 |
| Noncurrent loans to loans | 2.8390% | 2,818 |
| Net loans and leases to total assets | 83.6874% | 378 |
| Net loans and leases to deposits | 109.8972% | 279 |
| Net loans and leases to core deposits | 111.3972% | 1,067 |
| Total domestic deposits to total assets | 76.1506% | 6,663 |
| Equity capital to assets | 13.4449% | 1,369 |
| Core capital (leverage) ratio | 13.2050% | 1,140 |
| Tier 1 risk-based capital ratio | 14.8241% | 3,253 |
| Total risk-based capital ratio | 16.0753% | 3,225 |
| Memoranda: | ||
| Average total assets | $59,222,000 | 6,341 |
| Average earning assets | $54,218,670 | 6,315 |
| Average equity | $7,726,000 | 5,892 |
| Average total loans | $48,887,670 | 5,645 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0847% | 805 |
| Cost of funding earning assets | 1.3244% | 4,660 |
| Net interest margin | 4.7604% | 689 |
| Noninterest income to average assets | 0.1343% | 7,013 |
| Noninterest expense to average assets | 3.8606% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6177% | 3,820 |
| Return on assets (ROA) | 0.6177% | 3,957 |
| Pretax return on assets | 0.6177% | 4,539 |
| Return on Equity (ROE) | 4.8070% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.8070% | 3,267 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2069% | 1,773 |
| Assets per employee ($millions) | 3.5917% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,186 |
| Loan loss allowance to noncurrent loans | 36.5163% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 6.7115% | 826 |
| Noncurrent loans to loans | 3.9581% | 1,987 |
| Net loans and leases to total assets | 77.7265% | 1,202 |
| Net loans and leases to deposits | 102.5719% | 610 |
| Net loans and leases to core deposits | 103.9195% | 1,749 |
| Total domestic deposits to total assets | 75.7775% | 6,794 |
| Equity capital to assets | 12.6288% | 1,693 |
| Core capital (leverage) ratio | 12.7971% | 1,294 |
| Tier 1 risk-based capital ratio | 13.8079% | 3,793 |
| Total risk-based capital ratio | 15.0535% | 3,751 |
| Memoranda: | ||
| Average total assets | $59,576,500 | 6,402 |
| Average earning assets | $54,365,500 | 6,383 |
| Average equity | $7,655,500 | 5,957 |
| Average total loans | $48,498,500 | 5,735 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3075% | 1,012 |
| Cost of funding earning assets | 1.9564% | 3,183 |
| Net interest margin | 4.3512% | 1,569 |
| Noninterest income to average assets | 0.0991% | 7,270 |
| Noninterest expense to average assets | 3.3911% | 2,706 |
| Loan and lease loss provision to assets | 1.3023% | 1,774 |
| Net operating income to assets | -0.6302% | 6,298 |
| Return on assets (ROA) | -0.6302% | 6,296 |
| Pretax return on assets | -0.6251% | 6,115 |
| Return on Equity (ROE) | -4.6820% | 6,186 |
| Retained earnings to average equity (ytd only) | -4.6820% | 5,984 |
| Net charge-offs to loans | 1.5251% | 1,640 |
| Credit loss provision to net charge-offs | 102.5132% | 5,387 |
| Earnings coverage of net charge-offs (x) | 0.5331% | 5,580 |
| Efficiency ratio | 83.3540% | 2,435 |
| Assets per employee ($millions) | 3.4173% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 4,100 |
| Loan loss allowance to noncurrent loans | 59.6913% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 4.9867% | 1,234 |
| Noncurrent loans to loans | 2.3873% | 3,179 |
| Net loans and leases to total assets | 82.8760% | 561 |
| Net loans and leases to deposits | 110.9227% | 353 |
| Net loans and leases to core deposits | 123.3027% | 1,690 |
| Total domestic deposits to total assets | 74.7151% | 6,911 |
| Equity capital to assets | 13.0822% | 1,480 |
| Core capital (leverage) ratio | 12.5693% | 1,418 |
| Tier 1 risk-based capital ratio | 14.5236% | 3,200 |
| Total risk-based capital ratio | 15.7753% | 3,148 |
| Memoranda: | ||
| Average total assets | $59,508,200 | 6,372 |
| Average earning assets | $54,284,400 | 6,363 |
| Average equity | $8,009,400 | 5,918 |
| Average total loans | $49,570,600 | 5,694 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3463% | 1,033 |
| Cost of funding earning assets | 1.9916% | 3,404 |
| Net interest margin | 4.3547% | 1,579 |
| Noninterest income to average assets | 0.1047% | 7,384 |
| Noninterest expense to average assets | 3.0937% | 3,665 |
| Loan and lease loss provision to assets | 0.7239% | 2,570 |
| Net operating income to assets | 0.2495% | 4,994 |
| Return on assets (ROA) | 0.2495% | 5,075 |
| Pretax return on assets | 0.2561% | 5,177 |
| Return on Equity (ROE) | 1.8409% | 5,220 |
| Retained earnings to average equity (ytd only) | 1.8409% | 4,288 |
| Net charge-offs to loans | 1.3158% | 1,558 |
| Credit loss provision to net charge-offs | 66.1914% | 6,061 |
| Earnings coverage of net charge-offs (x) | 0.8961% | 5,163 |
| Efficiency ratio | 75.9431% | 3,524 |
| Assets per employee ($millions) | 3.5711% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 5,906 |
| Loan loss allowance to noncurrent loans | 36.7362% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 5.5115% | 1,035 |
| Noncurrent loans to loans | 2.9106% | 2,617 |
| Net loans and leases to total assets | 77.8797% | 1,598 |
| Net loans and leases to deposits | 103.9875% | 776 |
| Net loans and leases to core deposits | 117.1428% | 2,514 |
| Total domestic deposits to total assets | 74.8933% | 6,787 |
| Equity capital to assets | 13.3555% | 1,550 |
| Core capital (leverage) ratio | 13.4039% | 1,262 |
| Tier 1 risk-based capital ratio | 15.4898% | 2,831 |
| Total risk-based capital ratio | 16.4658% | 2,889 |
| Memoranda: | ||
| Average total assets | $59,861,750 | 6,394 |
| Average earning assets | $54,560,250 | 6,395 |
| Average equity | $8,111,750 | 5,944 |
| Average total loans | $49,752,750 | 5,735 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3439% | 1,106 |
| Cost of funding earning assets | 2.0791% | 3,374 |
| Net interest margin | 4.2649% | 1,764 |
| Noninterest income to average assets | 0.0940% | 7,506 |
| Noninterest expense to average assets | 3.1924% | 3,358 |
| Loan and lease loss provision to assets | 0.1678% | 5,388 |
| Net operating income to assets | 0.6244% | 3,568 |
| Return on assets (ROA) | 0.6244% | 3,680 |
| Pretax return on assets | 0.6244% | 4,249 |
| Return on Equity (ROE) | 4.5852% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.5852% | 2,742 |
| Net charge-offs to loans | 0.1865% | 4,398 |
| Credit loss provision to net charge-offs | 106.3830% | 4,329 |
| Earnings coverage of net charge-offs (x) | 5.0213% | 2,931 |
| Efficiency ratio | 80.1179% | 3,026 |
| Assets per employee ($millions) | 3.4658% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 3,512 |
| Loan loss allowance to noncurrent loans | 49.2382% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 5.3498% | 952 |
| Noncurrent loans to loans | 2.9279% | 2,454 |
| Net loans and leases to total assets | 82.4994% | 867 |
| Net loans and leases to deposits | 111.5812% | 494 |
| Net loans and leases to core deposits | 127.8560% | 1,721 |
| Total domestic deposits to total assets | 73.9367% | 6,955 |
| Equity capital to assets | 13.8956% | 1,341 |
| Core capital (leverage) ratio | 13.8724% | 1,173 |
| Tier 1 risk-based capital ratio | 15.7191% | 2,720 |
| Total risk-based capital ratio | 16.9714% | 2,657 |
| Memoranda: | ||
| Average total assets | $59,579,330 | 6,462 |
| Average earning assets | $54,351,000 | 6,451 |
| Average equity | $8,113,000 | 5,980 |
| Average total loans | $50,406,670 | 5,752 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5005% | 864 |
| Cost of funding earning assets | 2.0960% | 3,674 |
| Net interest margin | 4.4045% | 1,330 |
| Noninterest income to average assets | 0.1002% | 7,539 |
| Noninterest expense to average assets | 2.9444% | 3,994 |
| Loan and lease loss provision to assets | 0.2671% | 3,825 |
| Net operating income to assets | 0.9014% | 2,701 |
| Return on assets (ROA) | 0.9014% | 2,854 |
| Pretax return on assets | 0.9014% | 3,709 |
| Return on Equity (ROE) | 6.6865% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.6865% | 2,335 |
| Net charge-offs to loans | 0.2905% | 2,952 |
| Credit loss provision to net charge-offs | 108.1081% | 3,547 |
| Earnings coverage of net charge-offs (x) | 4.7297% | 2,826 |
| Efficiency ratio | 71.5909% | 4,253 |
| Assets per employee ($millions) | 3.5235% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 3,622 |
| Loan loss allowance to noncurrent loans | 80.8874% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 4.3189% | 1,140 |
| Noncurrent loans to loans | 1.7051% | 3,698 |
| Net loans and leases to total assets | 84.8765% | 564 |
| Net loans and leases to deposits | 120.7768% | 273 |
| Net loans and leases to core deposits | 143.1375% | 964 |
| Total domestic deposits to total assets | 70.2755% | 7,403 |
| Equity capital to assets | 13.5876% | 1,500 |
| Core capital (leverage) ratio | 13.7491% | 1,251 |
| Tier 1 risk-based capital ratio | 15.3274% | 2,930 |
| Total risk-based capital ratio | 16.5787% | 2,866 |
| Memoranda: | ||
| Average total assets | $59,910,000 | 6,474 |
| Average earning assets | $54,580,000 | 6,472 |
| Average equity | $8,076,000 | 6,027 |
| Average total loans | $50,951,000 | 5,759 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3946% | 499 |
| Cost of funding earning assets | 2.5842% | 3,767 |
| Net interest margin | 4.8105% | 768 |
| Noninterest income to average assets | 0.0962% | 7,652 |
| Noninterest expense to average assets | 3.4185% | 2,617 |
| Loan and lease loss provision to assets | 0.3052% | 3,931 |
| Net operating income to assets | 0.7769% | 3,535 |
| Return on assets (ROA) | 0.7769% | 3,376 |
| Pretax return on assets | 0.7492% | 4,248 |
| Return on Equity (ROE) | 5.1722% | 4,296 |
| Retained earnings to average equity (ytd only) | 0.6773% | 4,825 |
| Net charge-offs to loans | 0.3330% | 3,171 |
| Credit loss provision to net charge-offs | 112.2449% | 4,803 |
| Earnings coverage of net charge-offs (x) | 3.8776% | 4,195 |
| Efficiency ratio | 76.4268% | 3,163 |
| Assets per employee ($millions) | 3.5247% | 4,605 |
| Cash dividends to net income (ytd only)* | 86.9048% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 3,159 |
| Loan loss allowance to noncurrent loans | 283.2000% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 3.2677% | 1,384 |
| Noncurrent loans to loans | 0.4965% | 5,861 |
| Net loans and leases to total assets | 82.8471% | 1,071 |
| Net loans and leases to deposits | 122.0245% | 350 |
| Net loans and leases to core deposits | 140.7765% | 1,224 |
| Total domestic deposits to total assets | 67.8939% | 7,484 |
| Equity capital to assets | 13.3728% | 1,640 |
| Core capital (leverage) ratio | 14.0738% | 1,243 |
| Tier 1 risk-based capital ratio | 14.9267% | 3,076 |
| Total risk-based capital ratio | 16.1771% | 2,995 |
| Memoranda: | ||
| Average total assets | $54,058,800 | 6,619 |
| Average earning assets | $49,184,400 | 6,627 |
| Average equity | $8,120,400 | 6,036 |
| Average total loans | $44,148,800 | 5,970 |