Home > State Bank of Fairmont > Performance and Condition Ratios
State Bank of Fairmont, 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 | 5.2528% | 1,569 |
| Cost of funding earning assets | 1.7832% | 1,275 |
| Net interest margin | 3.4696% | 2,256 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.8709% | 1,330 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5792% | 3,496 |
| Return on assets (ROA) | 0.5792% | 3,485 |
| Pretax return on assets | 0.6317% | 3,582 |
| Return on Equity (ROE) | 6.6500% | 3,382 |
| Retained earnings to average equity (ytd only) | 3.3174% | 3,188 |
| Net charge-offs to loans | 0.1467% | 698 |
| Credit loss provision to net charge-offs | 68.0272% | 2,105 |
| Earnings coverage of net charge-offs (x) | 6.4966% | 2,465 |
| Efficiency ratio | 80.2727% | 897 |
| Assets per employee ($millions) | 8.1594% | 1,354 |
| Cash dividends to net income (ytd only)* | 50.1276% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 430 |
| Loan loss allowance to noncurrent loans | 144.9358% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.0107% | 487 |
| Noncurrent loans to loans | 1.3358% | 520 |
| Net loans and leases to total assets | 74.2000% | 1,326 |
| Net loans and leases to deposits | 82.8078% | 1,886 |
| Net loans and leases to core deposits | 86.7514% | 2,258 |
| Total domestic deposits to total assets | 89.6000% | 875 |
| Equity capital to assets | 8.6317% | 2,944 |
| Core capital (leverage) ratio | 10.4864% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7126% | 1,624 |
| Memoranda: | ||
| Average total assets | $135,356,600 | 3,501 |
| Average earning assets | $131,224,400 | 3,438 |
| Average equity | $11,786,400 | 3,547 |
| Average total loans | $100,214,000 | 3,171 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 1,552 |
| Cost of funding earning assets | 1.6322% | 1,314 |
| Net interest margin | 3.5121% | 2,180 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.2341% | 2,980 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2637% | 1,622 |
| Return on assets (ROA) | 1.2637% | 1,610 |
| Pretax return on assets | 1.3083% | 2,017 |
| Return on Equity (ROE) | 14.4800% | 1,555 |
| Retained earnings to average equity (ytd only) | 10.0170% | 1,395 |
| Net charge-offs to loans | 0.0417% | 1,286 |
| Credit loss provision to net charge-offs | 290.3226% | 907 |
| Earnings coverage of net charge-offs (x) | 45.4839% | 1,365 |
| Efficiency ratio | 61.5175% | 2,779 |
| Assets per employee ($millions) | 7.8511% | 1,426 |
| Cash dividends to net income (ytd only)* | 30.8235% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1422% | 323 |
| Loan loss allowance to noncurrent loans | 145.0475% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1044% | 436 |
| Noncurrent loans to loans | 1.4769% | 498 |
| Net loans and leases to total assets | 73.1800% | 1,450 |
| Net loans and leases to deposits | 80.4652% | 2,006 |
| Net loans and leases to core deposits | 85.2354% | 2,237 |
| Total domestic deposits to total assets | 90.9400% | 686 |
| Equity capital to assets | 8.8590% | 2,497 |
| Core capital (leverage) ratio | 10.6285% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9673% | 1,325 |
| Memoranda: | ||
| Average total assets | $134,518,250 | 3,510 |
| Average earning assets | $130,783,500 | 3,447 |
| Average equity | $11,739,750 | 3,551 |
| Average total loans | $99,029,250 | 3,190 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 1,607 |
| Cost of funding earning assets | 1.4570% | 1,320 |
| Net interest margin | 3.5142% | 2,231 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.1755% | 3,151 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.3183% | 1,519 |
| Return on assets (ROA) | 1.3183% | 1,505 |
| Pretax return on assets | 1.3628% | 1,911 |
| Return on Equity (ROE) | 15.1800% | 1,435 |
| Retained earnings to average equity (ytd only) | 10.2120% | 1,350 |
| Net charge-offs to loans | 0.0648% | 908 |
| Credit loss provision to net charge-offs | 187.5000% | 1,080 |
| Earnings coverage of net charge-offs (x) | 30.5938% | 1,539 |
| Efficiency ratio | 59.9755% | 2,961 |
| Assets per employee ($millions) | 7.9844% | 1,326 |
| Cash dividends to net income (ytd only)* | 32.7334% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1504% | 331 |
| Loan loss allowance to noncurrent loans | 140.1863% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 393 |
| Noncurrent loans to loans | 1.5339% | 426 |
| Net loans and leases to total assets | 70.6400% | 1,671 |
| Net loans and leases to deposits | 77.5610% | 2,167 |
| Net loans and leases to core deposits | 82.2266% | 2,319 |
| Total domestic deposits to total assets | 91.0700% | 627 |
| Equity capital to assets | 8.7619% | 2,685 |
| Core capital (leverage) ratio | 10.4941% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8235% | 1,355 |
| Memoranda: | ||
| Average total assets | $134,868,000 | 3,521 |
| Average earning assets | $130,954,667 | 3,455 |
| Average equity | $11,711,667 | 3,565 |
| Average total loans | $98,770,667 | 3,186 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 1,605 |
| Cost of funding earning assets | 1.2627% | 1,316 |
| Net interest margin | 3.5434% | 2,253 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.1929% | 3,120 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3211% | 1,619 |
| Return on assets (ROA) | 1.3211% | 1,586 |
| Pretax return on assets | 1.3657% | 1,972 |
| Return on Equity (ROE) | 15.2800% | 1,502 |
| Retained earnings to average equity (ytd only) | 15.2827% | 764 |
| Net charge-offs to loans | 0.1331% | 500 |
| Credit loss provision to net charge-offs | 90.9091% | 1,173 |
| Earnings coverage of net charge-offs (x) | 14.8182% | 1,559 |
| Efficiency ratio | 60.1142% | 2,945 |
| Assets per employee ($millions) | 8.0417% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1435% | 349 |
| Loan loss allowance to noncurrent loans | 137.1202% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 356 |
| Noncurrent loans to loans | 1.5632% | 416 |
| Net loans and leases to total assets | 69.3300% | 1,687 |
| Net loans and leases to deposits | 76.0494% | 2,109 |
| Net loans and leases to core deposits | 80.2851% | 2,236 |
| Total domestic deposits to total assets | 91.1600% | 751 |
| Equity capital to assets | 8.7039% | 2,734 |
| Core capital (leverage) ratio | 10.4010% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6797% | 1,445 |
| Memoranda: | ||
| Average total assets | $134,434,500 | 3,572 |
| Average earning assets | $130,833,000 | 3,496 |
| Average equity | $11,621,000 | 3,605 |
| Average total loans | $99,164,000 | 3,221 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 1,423 |
| Cost of funding earning assets | 0.4963% | 1,413 |
| Net interest margin | 3.6270% | 1,567 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.8014% | 1,312 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.7094% | 3,594 |
| Return on assets (ROA) | 0.7094% | 3,536 |
| Pretax return on assets | 0.7983% | 3,630 |
| Return on Equity (ROE) | 7.6500% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.1080% | 3,000 |
| Net charge-offs to loans | 0.2258% | 356 |
| Credit loss provision to net charge-offs | 63.6364% | 1,756 |
| Earnings coverage of net charge-offs (x) | 5.3318% | 2,380 |
| Efficiency ratio | 75.5523% | 1,063 |
| Assets per employee ($millions) | 7.7741% | 1,447 |
| Cash dividends to net income (ytd only)* | 33.2244% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 396 |
| Loan loss allowance to noncurrent loans | 141.7178% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 367 |
| Noncurrent loans to loans | 1.4456% | 458 |
| Net loans and leases to total assets | 75.2100% | 1,104 |
| Net loans and leases to deposits | 82.3540% | 1,591 |
| Net loans and leases to core deposits | 87.2058% | 1,666 |
| Total domestic deposits to total assets | 91.3300% | 831 |
| Equity capital to assets | 8.5828% | 2,647 |
| Core capital (leverage) ratio | 10.7076% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5582% | 1,772 |
| Memoranda: | ||
| Average total assets | $129,398,200 | 3,641 |
| Average earning assets | $125,724,800 | 3,566 |
| Average equity | $12,000,800 | 3,667 |
| Average total loans | $97,423,200 | 3,187 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9773% | 1,314 |
| Cost of funding earning assets | 0.3861% | 1,391 |
| Net interest margin | 3.5912% | 1,410 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.1526% | 3,070 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2762% | 1,438 |
| Return on assets (ROA) | 1.2762% | 1,403 |
| Pretax return on assets | 1.4026% | 1,708 |
| Return on Equity (ROE) | 13.5000% | 1,565 |
| Retained earnings to average equity (ytd only) | 10.1598% | 1,298 |
| Net charge-offs to loans | 0.3042% | 211 |
| Credit loss provision to net charge-offs | 50.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 6.6545% | 2,102 |
| Efficiency ratio | 58.6674% | 3,304 |
| Assets per employee ($millions) | 7.5872% | 1,557 |
| Cash dividends to net income (ytd only)* | 24.7565% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 448 |
| Loan loss allowance to noncurrent loans | 138.4459% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.1474% | 377 |
| Noncurrent loans to loans | 1.4883% | 478 |
| Net loans and leases to total assets | 75.5100% | 959 |
| Net loans and leases to deposits | 82.9742% | 1,367 |
| Net loans and leases to core deposits | 87.2482% | 1,453 |
| Total domestic deposits to total assets | 91.0100% | 1,239 |
| Equity capital to assets | 8.9191% | 2,264 |
| Core capital (leverage) ratio | 11.1804% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1342% | 1,665 |
| Memoranda: | ||
| Average total assets | $128,707,750 | 3,669 |
| Average earning assets | $125,007,250 | 3,600 |
| Average equity | $12,165,250 | 3,695 |
| Average total loans | $96,409,750 | 3,215 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 1,159 |
| Cost of funding earning assets | 0.3428% | 1,338 |
| Net interest margin | 3.5318% | 1,227 |
| Noninterest income to average assets | 0.1524% | 4,249 |
| Noninterest expense to average assets | 2.1164% | 3,105 |
| Loan and lease loss provision to assets | 0.1244% | 788 |
| Net operating income to assets | 1.2285% | 1,334 |
| Return on assets (ROA) | 1.2285% | 1,317 |
| Pretax return on assets | 1.3560% | 1,566 |
| Return on Equity (ROE) | 12.7567% | 1,449 |
| Retained earnings to average equity (ytd only) | 10.3668% | 930 |
| Net charge-offs to loans | 0.5094% | 129 |
| Credit loss provision to net charge-offs | 32.9218% | 1,558 |
| Earnings coverage of net charge-offs (x) | 3.9177% | 1,978 |
| Efficiency ratio | 58.8413% | 3,455 |
| Assets per employee ($millions) | 7.4658% | 1,635 |
| Cash dividends to net income (ytd only)* | 18.7342% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0561% | 495 |
| Loan loss allowance to noncurrent loans | 113.3447% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3875% | 274 |
| Noncurrent loans to loans | 1.8140% | 369 |
| Net loans and leases to total assets | 74.9147% | 826 |
| Net loans and leases to deposits | 83.0438% | 1,179 |
| Net loans and leases to core deposits | 86.3996% | 1,317 |
| Total domestic deposits to total assets | 90.2111% | 1,627 |
| Equity capital to assets | 9.3209% | 2,148 |
| Core capital (leverage) ratio | 10.9099% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3781% | 1,606 |
| Memoranda: | ||
| Average total assets | $128,616,333 | 3,712 |
| Average earning assets | $125,431,000 | 3,643 |
| Average equity | $12,385,667 | 3,747 |
| Average total loans | $95,398,000 | 3,247 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 1,029 |
| Cost of funding earning assets | 0.3440% | 1,255 |
| Net interest margin | 3.4875% | 1,113 |
| Noninterest income to average assets | 0.1298% | 4,363 |
| Noninterest expense to average assets | 2.2153% | 2,800 |
| Loan and lease loss provision to assets | 0.1545% | 506 |
| Net operating income to assets | 1.0134% | 1,818 |
| Return on assets (ROA) | 1.0134% | 1,814 |
| Pretax return on assets | 1.1432% | 2,009 |
| Return on Equity (ROE) | 10.3605% | 1,837 |
| Retained earnings to average equity (ytd only) | 10.3605% | 938 |
| Net charge-offs to loans | 1.0279% | 65 |
| Credit loss provision to net charge-offs | 20.5761% | 1,287 |
| Earnings coverage of net charge-offs (x) | 1.7284% | 1,729 |
| Efficiency ratio | 63.0607% | 3,137 |
| Assets per employee ($millions) | 7.5846% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0829% | 534 |
| Loan loss allowance to noncurrent loans | 114.5020% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3316% | 298 |
| Noncurrent loans to loans | 1.8191% | 421 |
| Net loans and leases to total assets | 71.6796% | 866 |
| Net loans and leases to deposits | 79.3256% | 1,193 |
| Net loans and leases to core deposits | 82.8571% | 1,304 |
| Total domestic deposits to total assets | 90.3613% | 1,350 |
| Equity capital to assets | 9.5603% | 2,235 |
| Core capital (leverage) ratio | 10.7514% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7210% | 1,583 |
| Memoranda: | ||
| Average total assets | $129,465,000 | 3,720 |
| Average earning assets | $125,592,000 | 3,662 |
| Average equity | $12,663,500 | 3,793 |
| Average total loans | $94,558,500 | 3,266 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 1,106 |
| Cost of funding earning assets | 0.4262% | 1,349 |
| Net interest margin | 3.7078% | 1,192 |
| Noninterest income to average assets | 0.1704% | 4,304 |
| Noninterest expense to average assets | 2.5298% | 2,091 |
| Loan and lease loss provision to assets | 0.2367% | 413 |
| Net operating income to assets | 0.8989% | 3,052 |
| Return on assets (ROA) | 0.9106% | 3,065 |
| Pretax return on assets | 1.0424% | 3,148 |
| Return on Equity (ROE) | 8.7373% | 2,997 |
| Retained earnings to average equity (ytd only) | 3.8916% | 3,261 |
| Net charge-offs to loans | -0.0086% | 3,690 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6528% | 2,172 |
| Assets per employee ($millions) | 7.6465% | 1,527 |
| Cash dividends to net income (ytd only)* | 55.4593% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 395 |
| Loan loss allowance to noncurrent loans | 103.0549% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.6117% | 250 |
| Noncurrent loans to loans | 2.2116% | 333 |
| Net loans and leases to total assets | 71.2119% | 908 |
| Net loans and leases to deposits | 80.7927% | 1,152 |
| Net loans and leases to core deposits | 84.2547% | 1,311 |
| Total domestic deposits to total assets | 88.1415% | 1,962 |
| Equity capital to assets | 10.0007% | 2,655 |
| Core capital (leverage) ratio | 10.2382% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1991% | 1,775 |
| Memoranda: | ||
| Average total assets | $126,729,200 | 3,725 |
| Average earning assets | $123,899,600 | 3,637 |
| Average equity | $13,207,800 | 3,812 |
| Average total loans | $92,597,000 | 3,298 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 1,085 |
| Cost of funding earning assets | 0.4449% | 1,386 |
| Net interest margin | 3.7704% | 1,180 |
| Noninterest income to average assets | 0.1535% | 4,428 |
| Noninterest expense to average assets | 1.9124% | 3,916 |
| Loan and lease loss provision to assets | 0.2383% | 398 |
| Net operating income to assets | 1.6995% | 831 |
| Return on assets (ROA) | 1.7175% | 835 |
| Pretax return on assets | 1.7186% | 1,366 |
| Return on Equity (ROE) | 16.3096% | 887 |
| Retained earnings to average equity (ytd only) | 9.8742% | 1,362 |
| Net charge-offs to loans | -0.0116% | 3,727 |
| Credit loss provision to net charge-offs | -2,812.5000% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6563% | 4,251 |
| Assets per employee ($millions) | 7.5344% | 1,543 |
| Cash dividends to net income (ytd only)* | 39.4575% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2435% | 424 |
| Loan loss allowance to noncurrent loans | 97.7945% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 268 |
| Noncurrent loans to loans | 2.2941% | 355 |
| Net loans and leases to total assets | 70.8964% | 1,001 |
| Net loans and leases to deposits | 79.4281% | 1,339 |
| Net loans and leases to core deposits | 82.8335% | 1,511 |
| Total domestic deposits to total assets | 89.2586% | 1,145 |
| Equity capital to assets | 10.6555% | 2,312 |
| Core capital (leverage) ratio | 10.7451% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9692% | 1,622 |
| Memoranda: | ||
| Average total assets | $125,913,750 | 3,771 |
| Average earning assets | $123,484,000 | 3,680 |
| Average equity | $13,259,750 | 3,860 |
| Average total loans | $92,064,250 | 3,350 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 1,534 |
| Cost of funding earning assets | 0.4726% | 1,366 |
| Net interest margin | 3.5427% | 1,740 |
| Noninterest income to average assets | 0.1614% | 4,392 |
| Noninterest expense to average assets | 2.0177% | 3,645 |
| Loan and lease loss provision to assets | 0.2396% | 420 |
| Net operating income to assets | 1.3755% | 1,640 |
| Return on assets (ROA) | 1.3755% | 1,712 |
| Pretax return on assets | 1.3771% | 2,400 |
| Return on Equity (ROE) | 13.1147% | 1,669 |
| Retained earnings to average equity (ytd only) | 7.8901% | 2,113 |
| Net charge-offs to loans | -0.0305% | 4,162 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5165% | 3,599 |
| Assets per employee ($millions) | 7.4829% | 1,488 |
| Cash dividends to net income (ytd only)* | 39.8374% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1432% | 473 |
| Loan loss allowance to noncurrent loans | 83.0585% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.9417% | 221 |
| Noncurrent loans to loans | 2.5803% | 315 |
| Net loans and leases to total assets | 72.3251% | 924 |
| Net loans and leases to deposits | 81.7733% | 1,251 |
| Net loans and leases to core deposits | 84.6099% | 1,520 |
| Total domestic deposits to total assets | 88.4458% | 1,593 |
| Equity capital to assets | 10.4285% | 2,460 |
| Core capital (leverage) ratio | 10.3660% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1450% | 1,927 |
| Memoranda: | ||
| Average total assets | $125,190,333 | 3,791 |
| Average earning assets | $122,731,667 | 3,702 |
| Average equity | $13,130,333 | 3,882 |
| Average total loans | $91,788,667 | 3,374 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 1,827 |
| Cost of funding earning assets | 0.5117% | 1,321 |
| Net interest margin | 3.3887% | 2,140 |
| Noninterest income to average assets | 0.1160% | 4,606 |
| Noninterest expense to average assets | 2.2612% | 2,904 |
| Loan and lease loss provision to assets | 0.2416% | 445 |
| Net operating income to assets | 0.9373% | 3,018 |
| Return on assets (ROA) | 0.9373% | 3,096 |
| Pretax return on assets | 0.9406% | 3,515 |
| Return on Equity (ROE) | 8.9110% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.9110% | 1,975 |
| Net charge-offs to loans | -0.0132% | 3,798 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6688% | 2,278 |
| Assets per employee ($millions) | 7.4931% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0400% | 550 |
| Loan loss allowance to noncurrent loans | 80.4085% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 275 |
| Noncurrent loans to loans | 2.5370% | 362 |
| Net loans and leases to total assets | 72.7199% | 931 |
| Net loans and leases to deposits | 81.2797% | 1,398 |
| Net loans and leases to core deposits | 84.6008% | 1,624 |
| Total domestic deposits to total assets | 89.4687% | 1,085 |
| Equity capital to assets | 10.2989% | 2,434 |
| Core capital (leverage) ratio | 10.4991% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8811% | 1,935 |
| Memoranda: | ||
| Average total assets | $124,181,000 | 3,811 |
| Average earning assets | $121,935,500 | 3,718 |
| Average equity | $13,062,500 | 3,899 |
| Average total loans | $90,673,500 | 3,400 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,006 |
| Cost of funding earning assets | 0.9890% | 614 |
| Net interest margin | 3.6536% | 1,968 |
| Noninterest income to average assets | 0.2112% | 4,222 |
| Noninterest expense to average assets | 2.6904% | 2,266 |
| Loan and lease loss provision to assets | 0.2408% | 1,621 |
| Net operating income to assets | 0.8222% | 3,008 |
| Return on assets (ROA) | 0.8222% | 3,133 |
| Pretax return on assets | 0.8230% | 3,572 |
| Return on Equity (ROE) | 7.6545% | 2,941 |
| Retained earnings to average equity (ytd only) | 3.9571% | 2,850 |
| Net charge-offs to loans | 0.1420% | 1,138 |
| Credit loss provision to net charge-offs | 219.2308% | 2,073 |
| Earnings coverage of net charge-offs (x) | 9.6846% | 2,506 |
| Efficiency ratio | 71.6633% | 1,728 |
| Assets per employee ($millions) | 7.1165% | 1,501 |
| Cash dividends to net income (ytd only)* | 48.3042% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 464 |
| Loan loss allowance to noncurrent loans | 54.7148% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 2.8327% | 138 |
| Noncurrent loans to loans | 3.8981% | 146 |
| Net loans and leases to total assets | 70.2058% | 1,534 |
| Net loans and leases to deposits | 78.7887% | 1,998 |
| Net loans and leases to core deposits | 81.9875% | 2,194 |
| Total domestic deposits to total assets | 89.1065% | 941 |
| Equity capital to assets | 10.7505% | 2,477 |
| Core capital (leverage) ratio | 10.6140% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1117% | 1,818 |
| Memoranda: | ||
| Average total assets | $118,348,000 | 3,765 |
| Average earning assets | $114,763,200 | 3,695 |
| Average equity | $12,711,400 | 3,895 |
| Average total loans | $91,562,800 | 3,379 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 906 |
| Cost of funding earning assets | 1.0956% | 549 |
| Net interest margin | 3.6865% | 1,991 |
| Noninterest income to average assets | 0.0838% | 4,809 |
| Noninterest expense to average assets | 2.1242% | 3,887 |
| Loan and lease loss provision to assets | 0.3229% | 1,218 |
| Net operating income to assets | 1.1997% | 1,633 |
| Return on assets (ROA) | 1.1997% | 1,763 |
| Pretax return on assets | 1.2009% | 2,386 |
| Return on Equity (ROE) | 11.1726% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.2140% | 2,013 |
| Net charge-offs to loans | 0.2127% | 718 |
| Credit loss provision to net charge-offs | 192.5676% | 2,138 |
| Earnings coverage of net charge-offs (x) | 9.0878% | 2,450 |
| Efficiency ratio | 58.2298% | 3,634 |
| Assets per employee ($millions) | 6.8691% | 1,582 |
| Cash dividends to net income (ytd only)* | 44.3815% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 489 |
| Loan loss allowance to noncurrent loans | 69.2221% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 2.4783% | 222 |
| Noncurrent loans to loans | 2.9052% | 330 |
| Net loans and leases to total assets | 76.4847% | 1,037 |
| Net loans and leases to deposits | 86.4777% | 1,644 |
| Net loans and leases to core deposits | 89.9057% | 1,979 |
| Total domestic deposits to total assets | 88.4444% | 994 |
| Equity capital to assets | 11.2070% | 2,222 |
| Core capital (leverage) ratio | 10.8937% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6690% | 1,943 |
| Memoranda: | ||
| Average total assets | $117,690,000 | 3,768 |
| Average earning assets | $113,782,000 | 3,703 |
| Average equity | $12,637,750 | 3,907 |
| Average total loans | $92,757,000 | 3,372 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 1,140 |
| Cost of funding earning assets | 1.1903% | 518 |
| Net interest margin | 3.6217% | 2,412 |
| Noninterest income to average assets | 0.1492% | 4,561 |
| Noninterest expense to average assets | 2.0713% | 4,098 |
| Loan and lease loss provision to assets | 0.4322% | 905 |
| Net operating income to assets | 1.1458% | 1,815 |
| Return on assets (ROA) | 1.1458% | 1,945 |
| Pretax return on assets | 1.1475% | 2,557 |
| Return on Equity (ROE) | 10.8264% | 1,693 |
| Retained earnings to average equity (ytd only) | 6.4862% | 1,870 |
| Net charge-offs to loans | 0.3280% | 497 |
| Credit loss provision to net charge-offs | 166.6667% | 2,046 |
| Earnings coverage of net charge-offs (x) | 6.0915% | 2,463 |
| Efficiency ratio | 56.7317% | 3,856 |
| Assets per employee ($millions) | 6.9306% | 1,476 |
| Cash dividends to net income (ytd only)* | 40.0888% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 529 |
| Loan loss allowance to noncurrent loans | 74.4205% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.4682% | 230 |
| Noncurrent loans to loans | 2.5553% | 448 |
| Net loans and leases to total assets | 78.7209% | 752 |
| Net loans and leases to deposits | 89.2667% | 1,422 |
| Net loans and leases to core deposits | 92.3151% | 1,874 |
| Total domestic deposits to total assets | 88.1862% | 1,090 |
| Equity capital to assets | 10.9285% | 2,409 |
| Core capital (leverage) ratio | 10.5221% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1414% | 2,121 |
| Memoranda: | ||
| Average total assets | $117,995,000 | 3,749 |
| Average earning assets | $114,089,000 | 3,675 |
| Average equity | $12,488,000 | 3,928 |
| Average total loans | $93,293,333 | 3,350 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8037% | 1,406 |
| Cost of funding earning assets | 1.2519% | 650 |
| Net interest margin | 3.5518% | 2,815 |
| Noninterest income to average assets | 0.1558% | 4,595 |
| Noninterest expense to average assets | 1.9783% | 4,442 |
| Loan and lease loss provision to assets | 0.5589% | 507 |
| Net operating income to assets | 1.0366% | 2,054 |
| Return on assets (ROA) | 1.0366% | 2,151 |
| Pretax return on assets | 1.0400% | 2,701 |
| Return on Equity (ROE) | 9.9561% | 1,760 |
| Retained earnings to average equity (ytd only) | 9.9561% | 753 |
| Net charge-offs to loans | 0.6647% | 226 |
| Credit loss provision to net charge-offs | 107.1429% | 1,776 |
| Earnings coverage of net charge-offs (x) | 3.0649% | 2,235 |
| Efficiency ratio | 55.3030% | 4,283 |
| Assets per employee ($millions) | 7.0304% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 727 |
| Loan loss allowance to noncurrent loans | 70.2180% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 2.5980% | 258 |
| Noncurrent loans to loans | 2.5437% | 466 |
| Net loans and leases to total assets | 78.5344% | 900 |
| Net loans and leases to deposits | 91.6612% | 1,320 |
| Net loans and leases to core deposits | 94.1086% | 1,963 |
| Total domestic deposits to total assets | 85.6790% | 2,139 |
| Equity capital to assets | 10.3809% | 3,442 |
| Core capital (leverage) ratio | 10.7219% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9171% | 2,326 |
| Memoranda: | ||
| Average total assets | $118,082,500 | 3,731 |
| Average earning assets | $113,746,000 | 3,651 |
| Average equity | $12,294,000 | 3,963 |
| Average total loans | $92,666,500 | 3,348 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 1,087 |
| Cost of funding earning assets | 1.3287% | 708 |
| Net interest margin | 3.8306% | 2,403 |
| Noninterest income to average assets | 0.2573% | 4,133 |
| Noninterest expense to average assets | 2.7984% | 2,605 |
| Loan and lease loss provision to assets | 0.2918% | 582 |
| Net operating income to assets | 0.8444% | 3,405 |
| Return on assets (ROA) | 0.8594% | 3,450 |
| Pretax return on assets | 0.8603% | 3,852 |
| Return on Equity (ROE) | 8.0653% | 3,136 |
| Retained earnings to average equity (ytd only) | 3.2444% | 3,394 |
| Net charge-offs to loans | 0.0544% | 2,320 |
| Credit loss provision to net charge-offs | 687.5000% | 462 |
| Earnings coverage of net charge-offs (x) | 26.7917% | 1,689 |
| Efficiency ratio | 71.1076% | 2,007 |
| Assets per employee ($millions) | 6.8616% | 1,100 |
| Cash dividends to net income (ytd only)* | 59.7737% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 567 |
| Loan loss allowance to noncurrent loans | 118.6014% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.8037% | 484 |
| Noncurrent loans to loans | 1.5931% | 884 |
| Net loans and leases to total assets | 75.4989% | 1,504 |
| Net loans and leases to deposits | 87.9774% | 1,847 |
| Net loans and leases to core deposits | 91.1064% | 2,313 |
| Total domestic deposits to total assets | 85.8163% | 2,135 |
| Equity capital to assets | 10.4425% | 3,499 |
| Core capital (leverage) ratio | 10.4802% | 2,972 |
| Tier 1 risk-based capital ratio | 13.0533% | 3,766 |
| Total risk-based capital ratio | 14.3105% | 3,639 |
| Memoranda: | ||
| Average total assets | $113,100,200 | 3,790 |
| Average earning assets | $108,599,800 | 3,738 |
| Average equity | $12,051,600 | 3,994 |
| Average total loans | $88,199,600 | 3,447 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 1,106 |
| Cost of funding earning assets | 1.3209% | 741 |
| Net interest margin | 3.8492% | 2,439 |
| Noninterest income to average assets | 0.1960% | 4,545 |
| Noninterest expense to average assets | 2.1328% | 4,304 |
| Loan and lease loss provision to assets | 0.2852% | 521 |
| Net operating income to assets | 1.4817% | 1,238 |
| Return on assets (ROA) | 1.5019% | 1,240 |
| Pretax return on assets | 1.5030% | 1,945 |
| Return on Equity (ROE) | 14.0216% | 979 |
| Retained earnings to average equity (ytd only) | 7.5765% | 1,586 |
| Net charge-offs to loans | -0.0258% | 4,654 |
| Credit loss provision to net charge-offs | -1,411.7647% | 4,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6756% | 4,314 |
| Assets per employee ($millions) | 6.6264% | 1,212 |
| Cash dividends to net income (ytd only)* | 45.9654% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8462% | 614 |
| Loan loss allowance to noncurrent loans | 102.2644% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 2.1927% | 368 |
| Noncurrent loans to loans | 1.8053% | 790 |
| Net loans and leases to total assets | 78.8653% | 1,008 |
| Net loans and leases to deposits | 92.7630% | 1,344 |
| Net loans and leases to core deposits | 96.1993% | 1,977 |
| Total domestic deposits to total assets | 85.0181% | 2,416 |
| Equity capital to assets | 11.0840% | 3,026 |
| Core capital (leverage) ratio | 11.0108% | 2,628 |
| Tier 1 risk-based capital ratio | 13.3220% | 3,675 |
| Total risk-based capital ratio | 14.5783% | 3,569 |
| Memoranda: | ||
| Average total assets | $112,213,250 | 3,844 |
| Average earning assets | $108,003,750 | 3,791 |
| Average equity | $12,019,250 | 4,034 |
| Average total loans | $87,808,500 | 3,490 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 1,294 |
| Cost of funding earning assets | 1.2377% | 899 |
| Net interest margin | 3.8354% | 2,458 |
| Noninterest income to average assets | 0.1999% | 4,553 |
| Noninterest expense to average assets | 2.1755% | 4,281 |
| Loan and lease loss provision to assets | 0.2677% | 560 |
| Net operating income to assets | 1.4438% | 1,313 |
| Return on assets (ROA) | 1.4723% | 1,278 |
| Pretax return on assets | 1.4741% | 1,941 |
| Return on Equity (ROE) | 13.9080% | 1,004 |
| Retained earnings to average equity (ytd only) | 7.8222% | 1,460 |
| Net charge-offs to loans | -0.0345% | 4,726 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9431% | 4,250 |
| Assets per employee ($millions) | 6.7329% | 1,125 |
| Cash dividends to net income (ytd only)* | 43.7576% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 757 |
| Loan loss allowance to noncurrent loans | 134.9573% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.7954% | 566 |
| Noncurrent loans to loans | 1.2949% | 1,218 |
| Net loans and leases to total assets | 77.5625% | 1,302 |
| Net loans and leases to deposits | 95.6155% | 1,083 |
| Net loans and leases to core deposits | 98.9832% | 1,805 |
| Total domestic deposits to total assets | 81.1192% | 3,769 |
| Equity capital to assets | 10.6893% | 3,351 |
| Core capital (leverage) ratio | 10.8489% | 2,746 |
| Tier 1 risk-based capital ratio | 13.0993% | 3,788 |
| Total risk-based capital ratio | 14.3544% | 3,691 |
| Memoranda: | ||
| Average total assets | $112,068,000 | 3,867 |
| Average earning assets | $107,784,670 | 3,810 |
| Average equity | $11,863,670 | 4,064 |
| Average total loans | $86,907,330 | 3,529 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 1,321 |
| Cost of funding earning assets | 1.1777% | 961 |
| Net interest margin | 3.8321% | 2,410 |
| Noninterest income to average assets | 0.2129% | 4,469 |
| Noninterest expense to average assets | 2.1538% | 4,368 |
| Loan and lease loss provision to assets | 0.2886% | 459 |
| Net operating income to assets | 1.4648% | 1,196 |
| Return on assets (ROA) | 1.4648% | 1,224 |
| Pretax return on assets | 1.4684% | 1,871 |
| Return on Equity (ROE) | 13.9065% | 990 |
| Retained earnings to average equity (ytd only) | 13.9065% | 360 |
| Net charge-offs to loans | -0.0329% | 4,682 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0738% | 4,425 |
| Assets per employee ($millions) | 6.6325% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 833 |
| Loan loss allowance to noncurrent loans | 122.4307% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.8723% | 551 |
| Noncurrent loans to loans | 1.3991% | 1,158 |
| Net loans and leases to total assets | 76.3880% | 1,415 |
| Net loans and leases to deposits | 91.8886% | 1,415 |
| Net loans and leases to core deposits | 94.6608% | 2,067 |
| Total domestic deposits to total assets | 83.1311% | 3,338 |
| Equity capital to assets | 10.6579% | 3,200 |
| Core capital (leverage) ratio | 10.9694% | 2,599 |
| Tier 1 risk-based capital ratio | 13.4100% | 3,660 |
| Total risk-based capital ratio | 14.6648% | 3,560 |
| Memoranda: | ||
| Average total assets | $110,872,000 | 3,924 |
| Average earning assets | $106,990,500 | 3,862 |
| Average equity | $11,678,000 | 4,104 |
| Average total loans | $85,182,500 | 3,594 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 1,662 |
| Cost of funding earning assets | 0.8728% | 1,201 |
| Net interest margin | 3.8820% | 2,390 |
| Noninterest income to average assets | 0.2363% | 4,504 |
| Noninterest expense to average assets | 2.7113% | 2,984 |
| Loan and lease loss provision to assets | 0.4033% | 332 |
| Net operating income to assets | 0.8750% | 3,520 |
| Return on assets (ROA) | 0.8731% | 3,515 |
| Pretax return on assets | 0.8741% | 3,968 |
| Return on Equity (ROE) | 8.2357% | 3,341 |
| Retained earnings to average equity (ytd only) | 4.3081% | 3,180 |
| Net charge-offs to loans | 0.3681% | 523 |
| Credit loss provision to net charge-offs | 149.3056% | 1,842 |
| Earnings coverage of net charge-offs (x) | 4.7361% | 3,263 |
| Efficiency ratio | 67.9436% | 2,559 |
| Assets per employee ($millions) | 6.4113% | 1,258 |
| Cash dividends to net income (ytd only)* | 47.6907% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 818 |
| Loan loss allowance to noncurrent loans | 225.8786% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.3863% | 890 |
| Noncurrent loans to loans | 0.7566% | 2,113 |
| Net loans and leases to total assets | 74.6119% | 1,819 |
| Net loans and leases to deposits | 86.7193% | 2,188 |
| Net loans and leases to core deposits | 89.3225% | 2,623 |
| Total domestic deposits to total assets | 86.0384% | 2,211 |
| Equity capital to assets | 10.4035% | 3,278 |
| Core capital (leverage) ratio | 10.9116% | 2,611 |
| Tier 1 risk-based capital ratio | 13.7085% | 3,440 |
| Total risk-based capital ratio | 14.9634% | 3,359 |
| Memoranda: | ||
| Average total assets | $106,628,000 | 3,994 |
| Average earning assets | $103,117,200 | 3,933 |
| Average equity | $11,304,400 | 4,115 |
| Average total loans | $78,232,200 | 3,699 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 1,723 |
| Cost of funding earning assets | 0.8093% | 1,293 |
| Net interest margin | 3.8759% | 2,384 |
| Noninterest income to average assets | 0.2515% | 4,467 |
| Noninterest expense to average assets | 2.1652% | 4,400 |
| Loan and lease loss provision to assets | 0.4401% | 275 |
| Net operating income to assets | 1.3907% | 1,524 |
| Return on assets (ROA) | 1.3907% | 1,522 |
| Pretax return on assets | 1.3919% | 2,256 |
| Return on Equity (ROE) | 13.0547% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.8139% | 1,741 |
| Net charge-offs to loans | 0.3839% | 421 |
| Credit loss provision to net charge-offs | 157.6577% | 1,643 |
| Earnings coverage of net charge-offs (x) | 6.5631% | 2,874 |
| Efficiency ratio | 54.1680% | 4,599 |
| Assets per employee ($millions) | 6.3334% | 1,269 |
| Cash dividends to net income (ytd only)* | 40.1450% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 742 |
| Loan loss allowance to noncurrent loans | 166.4685% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6152% | 771 |
| Noncurrent loans to loans | 1.0742% | 1,587 |
| Net loans and leases to total assets | 71.4165% | 2,425 |
| Net loans and leases to deposits | 81.2614% | 2,898 |
| Net loans and leases to core deposits | 83.4422% | 3,203 |
| Total domestic deposits to total assets | 87.8849% | 1,289 |
| Equity capital to assets | 10.6737% | 2,957 |
| Core capital (leverage) ratio | 11.3458% | 2,291 |
| Tier 1 risk-based capital ratio | 14.6731% | 3,031 |
| Total risk-based capital ratio | 15.9282% | 2,956 |
| Memoranda: | ||
| Average total assets | $106,037,000 | 4,041 |
| Average earning assets | $102,476,250 | 3,980 |
| Average equity | $11,295,750 | 4,157 |
| Average total loans | $77,106,500 | 3,755 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 1,596 |
| Cost of funding earning assets | 0.7614% | 1,321 |
| Net interest margin | 3.9031% | 2,193 |
| Noninterest income to average assets | 0.2806% | 4,306 |
| Noninterest expense to average assets | 2.2921% | 4,160 |
| Loan and lease loss provision to assets | 0.5498% | 196 |
| Net operating income to assets | 1.2077% | 2,163 |
| Return on assets (ROA) | 1.2077% | 2,161 |
| Pretax return on assets | 1.2096% | 2,910 |
| Return on Equity (ROE) | 11.3443% | 1,978 |
| Retained earnings to average equity (ytd only) | 5.9838% | 2,572 |
| Net charge-offs to loans | 0.3285% | 485 |
| Credit loss provision to net charge-offs | 230.1587% | 1,193 |
| Earnings coverage of net charge-offs (x) | 7.3651% | 2,551 |
| Efficiency ratio | 56.5746% | 4,403 |
| Assets per employee ($millions) | 6.6005% | 1,132 |
| Cash dividends to net income (ytd only)* | 47.2527% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 689 |
| Loan loss allowance to noncurrent loans | 147.8888% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 654 |
| Noncurrent loans to loans | 1.2509% | 1,374 |
| Net loans and leases to total assets | 72.1432% | 2,252 |
| Net loans and leases to deposits | 82.1365% | 2,755 |
| Net loans and leases to core deposits | 84.3760% | 3,050 |
| Total domestic deposits to total assets | 87.8333% | 1,459 |
| Equity capital to assets | 10.6422% | 2,980 |
| Core capital (leverage) ratio | 11.2535% | 2,300 |
| Tier 1 risk-based capital ratio | 14.4874% | 3,122 |
| Total risk-based capital ratio | 15.7438% | 3,034 |
| Memoranda: | ||
| Average total assets | $105,493,670 | 4,083 |
| Average earning assets | $101,918,670 | 4,020 |
| Average equity | $11,230,330 | 4,199 |
| Average total loans | $76,711,330 | 3,786 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,475 |
| Cost of funding earning assets | 0.7138% | 1,374 |
| Net interest margin | 3.9219% | 1,956 |
| Noninterest income to average assets | 0.1745% | 4,979 |
| Noninterest expense to average assets | 2.1169% | 4,623 |
| Loan and lease loss provision to assets | 0.2656% | 528 |
| Net operating income to assets | 1.5820% | 895 |
| Return on assets (ROA) | 1.5820% | 901 |
| Pretax return on assets | 1.5858% | 1,431 |
| Return on Equity (ROE) | 14.8584% | 824 |
| Retained earnings to average equity (ytd only) | 14.8584% | 334 |
| Net charge-offs to loans | 0.0367% | 1,786 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 69.7143% | 776 |
| Efficiency ratio | 53.3461% | 4,858 |
| Assets per employee ($millions) | 6.6851% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 844 |
| Loan loss allowance to noncurrent loans | 91.5010% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.2213% | 467 |
| Noncurrent loans to loans | 1.9250% | 846 |
| Net loans and leases to total assets | 69.6107% | 2,543 |
| Net loans and leases to deposits | 78.4402% | 2,967 |
| Net loans and leases to core deposits | 79.8741% | 3,335 |
| Total domestic deposits to total assets | 88.7437% | 1,239 |
| Equity capital to assets | 10.6103% | 2,960 |
| Core capital (leverage) ratio | 11.2460% | 2,213 |
| Tier 1 risk-based capital ratio | 14.9290% | 2,897 |
| Total risk-based capital ratio | 16.1843% | 2,828 |
| Memoranda: | ||
| Average total assets | $105,436,500 | 4,134 |
| Average earning assets | $101,992,000 | 4,061 |
| Average equity | $11,226,000 | 4,241 |
| Average total loans | $76,254,500 | 3,830 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 1,922 |
| Cost of funding earning assets | 0.6502% | 1,291 |
| Net interest margin | 3.7868% | 2,473 |
| Noninterest income to average assets | 0.2404% | 4,693 |
| Noninterest expense to average assets | 2.6080% | 3,420 |
| Loan and lease loss provision to assets | 0.3938% | 377 |
| Net operating income to assets | 0.9050% | 2,686 |
| Return on assets (ROA) | 0.7999% | 3,203 |
| Pretax return on assets | 0.7999% | 4,243 |
| Return on Equity (ROE) | 7.4697% | 3,053 |
| Retained earnings to average equity (ytd only) | 1.3260% | 4,483 |
| Net charge-offs to loans | 0.6713% | 321 |
| Credit loss provision to net charge-offs | 81.0916% | 2,926 |
| Earnings coverage of net charge-offs (x) | 2.6745% | 3,720 |
| Efficiency ratio | 66.7555% | 3,123 |
| Assets per employee ($millions) | 6.1124% | 1,443 |
| Cash dividends to net income (ytd only)* | 82.2485% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 1,015 |
| Loan loss allowance to noncurrent loans | 104.6914% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 540 |
| Noncurrent loans to loans | 1.5837% | 1,062 |
| Net loans and leases to total assets | 72.6054% | 2,149 |
| Net loans and leases to deposits | 84.8125% | 2,399 |
| Net loans and leases to core deposits | 86.4640% | 2,878 |
| Total domestic deposits to total assets | 85.6069% | 2,613 |
| Equity capital to assets | 10.6851% | 2,955 |
| Core capital (leverage) ratio | 10.8316% | 2,491 |
| Tier 1 risk-based capital ratio | 14.3358% | 3,184 |
| Total risk-based capital ratio | 15.5906% | 3,084 |
| Memoranda: | ||
| Average total assets | $105,636,600 | 4,144 |
| Average earning assets | $102,276,400 | 4,057 |
| Average equity | $11,312,400 | 4,254 |
| Average total loans | $76,421,000 | 3,810 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 1,798 |
| Cost of funding earning assets | 0.6385% | 1,316 |
| Net interest margin | 3.8079% | 2,367 |
| Noninterest income to average assets | 0.2489% | 4,719 |
| Noninterest expense to average assets | 1.9773% | 5,001 |
| Loan and lease loss provision to assets | 0.2263% | 812 |
| Net operating income to assets | 1.7334% | 546 |
| Return on assets (ROA) | 1.7334% | 556 |
| Pretax return on assets | 1.7334% | 1,038 |
| Return on Equity (ROE) | 16.1783% | 510 |
| Retained earnings to average equity (ytd only) | 8.0246% | 1,211 |
| Net charge-offs to loans | 0.0541% | 2,369 |
| Credit loss provision to net charge-offs | 580.6452% | 554 |
| Earnings coverage of net charge-offs (x) | 50.2930% | 1,111 |
| Efficiency ratio | 50.2235% | 5,236 |
| Assets per employee ($millions) | 6.5969% | 1,127 |
| Cash dividends to net income (ytd only)* | 50.3987% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9773% | 596 |
| Loan loss allowance to noncurrent loans | 163.4015% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.8276% | 746 |
| Noncurrent loans to loans | 1.2101% | 1,572 |
| Net loans and leases to total assets | 71.2951% | 2,362 |
| Net loans and leases to deposits | 85.2936% | 2,395 |
| Net loans and leases to core deposits | 86.9654% | 2,875 |
| Total domestic deposits to total assets | 83.5879% | 3,260 |
| Equity capital to assets | 11.0734% | 2,791 |
| Core capital (leverage) ratio | 11.1626% | 2,312 |
| Tier 1 risk-based capital ratio | 15.3911% | 2,750 |
| Total risk-based capital ratio | 16.6505% | 2,694 |
| Memoranda: | ||
| Average total assets | $106,068,000 | 4,178 |
| Average earning assets | $102,731,000 | 4,096 |
| Average equity | $11,364,750 | 4,283 |
| Average total loans | $76,347,000 | 3,854 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 1,828 |
| Cost of funding earning assets | 0.6205% | 1,330 |
| Net interest margin | 3.7754% | 2,385 |
| Noninterest income to average assets | 0.2673% | 4,629 |
| Noninterest expense to average assets | 1.9992% | 4,980 |
| Loan and lease loss provision to assets | 0.2259% | 769 |
| Net operating income to assets | 1.7074% | 559 |
| Return on assets (ROA) | 1.7074% | 563 |
| Pretax return on assets | 1.7074% | 1,037 |
| Return on Equity (ROE) | 16.1144% | 515 |
| Retained earnings to average equity (ytd only) | 7.9595% | 1,182 |
| Net charge-offs to loans | 0.0682% | 1,952 |
| Credit loss provision to net charge-offs | 461.5385% | 702 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 1,259 |
| Efficiency ratio | 50.8377% | 5,254 |
| Assets per employee ($millions) | 6.6744% | 1,063 |
| Cash dividends to net income (ytd only)* | 50.6064% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 781 |
| Loan loss allowance to noncurrent loans | 189.7536% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6340% | 903 |
| Noncurrent loans to loans | 0.9790% | 2,006 |
| Net loans and leases to total assets | 72.3769% | 2,139 |
| Net loans and leases to deposits | 87.3287% | 2,065 |
| Net loans and leases to core deposits | 89.0307% | 2,613 |
| Total domestic deposits to total assets | 82.8787% | 3,604 |
| Equity capital to assets | 10.7490% | 3,080 |
| Core capital (leverage) ratio | 10.9040% | 2,502 |
| Tier 1 risk-based capital ratio | 14.5289% | 3,149 |
| Total risk-based capital ratio | 15.7856% | 3,072 |
| Memoranda: | ||
| Average total assets | $106,240,670 | 4,202 |
| Average earning assets | $103,140,330 | 4,117 |
| Average equity | $11,257,000 | 4,315 |
| Average total loans | $76,206,000 | 3,878 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 1,939 |
| Cost of funding earning assets | 0.6141% | 1,278 |
| Net interest margin | 3.6925% | 2,507 |
| Noninterest income to average assets | 0.2038% | 5,049 |
| Noninterest expense to average assets | 1.9554% | 5,141 |
| Loan and lease loss provision to assets | 0.2265% | 690 |
| Net operating income to assets | 1.6081% | 666 |
| Return on assets (ROA) | 1.6081% | 684 |
| Pretax return on assets | 1.6081% | 1,213 |
| Return on Equity (ROE) | 15.2880% | 615 |
| Retained earnings to average equity (ytd only) | 15.2880% | 223 |
| Net charge-offs to loans | 0.0053% | 2,787 |
| Credit loss provision to net charge-offs | 6,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 486.0000% | 116 |
| Efficiency ratio | 51.5936% | 5,284 |
| Assets per employee ($millions) | 6.6285% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 809 |
| Loan loss allowance to noncurrent loans | 141.1067% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.7085% | 865 |
| Noncurrent loans to loans | 1.3346% | 1,518 |
| Net loans and leases to total assets | 70.1507% | 2,353 |
| Net loans and leases to deposits | 80.8009% | 2,640 |
| Net loans and leases to core deposits | 82.0837% | 3,084 |
| Total domestic deposits to total assets | 86.8192% | 2,299 |
| Equity capital to assets | 10.7415% | 2,915 |
| Core capital (leverage) ratio | 10.9721% | 2,383 |
| Tier 1 risk-based capital ratio | 14.8868% | 3,021 |
| Total risk-based capital ratio | 16.1435% | 2,951 |
| Memoranda: | ||
| Average total assets | $105,965,500 | 4,246 |
| Average earning assets | $102,912,000 | 4,158 |
| Average equity | $11,146,000 | 4,359 |
| Average total loans | $74,931,500 | 3,926 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,170 |
| Cost of funding earning assets | 0.6068% | 1,292 |
| Net interest margin | 3.6837% | 2,763 |
| Noninterest income to average assets | 0.2145% | 5,132 |
| Noninterest expense to average assets | 2.6101% | 3,647 |
| Loan and lease loss provision to assets | 0.3199% | 575 |
| Net operating income to assets | 0.8478% | 3,075 |
| Return on assets (ROA) | 0.8478% | 3,190 |
| Pretax return on assets | 0.8487% | 4,016 |
| Return on Equity (ROE) | 7.9587% | 2,960 |
| Retained earnings to average equity (ytd only) | 0.8126% | 4,999 |
| Net charge-offs to loans | 0.4287% | 601 |
| Credit loss provision to net charge-offs | 105.2632% | 2,465 |
| Earnings coverage of net charge-offs (x) | 3.8452% | 3,599 |
| Efficiency ratio | 69.0737% | 3,059 |
| Assets per employee ($millions) | 6.6172% | 1,095 |
| Cash dividends to net income (ytd only)* | 89.7891% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 875 |
| Loan loss allowance to noncurrent loans | 95.8683% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.1044% | 637 |
| Noncurrent loans to loans | 1.9288% | 952 |
| Net loans and leases to total assets | 68.6347% | 2,679 |
| Net loans and leases to deposits | 79.6429% | 2,923 |
| Net loans and leases to core deposits | 80.4684% | 3,356 |
| Total domestic deposits to total assets | 86.1780% | 2,502 |
| Equity capital to assets | 10.2952% | 3,392 |
| Core capital (leverage) ratio | 10.5677% | 2,811 |
| Tier 1 risk-based capital ratio | 14.5400% | 3,178 |
| Total risk-based capital ratio | 15.7960% | 3,109 |
| Memoranda: | ||
| Average total assets | $106,279,800 | 4,236 |
| Average earning assets | $102,831,000 | 4,142 |
| Average equity | $11,321,000 | 4,375 |
| Average total loans | $75,350,000 | 3,916 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 2,187 |
| Cost of funding earning assets | 0.6018% | 1,311 |
| Net interest margin | 3.6884% | 2,760 |
| Noninterest income to average assets | 0.2118% | 5,200 |
| Noninterest expense to average assets | 2.0830% | 5,038 |
| Loan and lease loss provision to assets | 0.2256% | 899 |
| Net operating income to assets | 1.4664% | 943 |
| Return on assets (ROA) | 1.4664% | 986 |
| Pretax return on assets | 1.4676% | 1,817 |
| Return on Equity (ROE) | 13.6524% | 888 |
| Retained earnings to average equity (ytd only) | 5.3793% | 2,564 |
| Net charge-offs to loans | -0.0053% | 4,627 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1610% | 5,140 |
| Assets per employee ($millions) | 6.5921% | 1,051 |
| Cash dividends to net income (ytd only)* | 60.5983% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 699 |
| Loan loss allowance to noncurrent loans | 65.0975% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.4442% | 568 |
| Noncurrent loans to loans | 3.1066% | 469 |
| Net loans and leases to total assets | 70.5081% | 2,419 |
| Net loans and leases to deposits | 83.8250% | 2,504 |
| Net loans and leases to core deposits | 85.2432% | 3,015 |
| Total domestic deposits to total assets | 84.1135% | 3,180 |
| Equity capital to assets | 11.0730% | 2,939 |
| Core capital (leverage) ratio | 11.0393% | 2,409 |
| Tier 1 risk-based capital ratio | 14.8929% | 3,101 |
| Total risk-based capital ratio | 16.1525% | 3,025 |
| Memoranda: | ||
| Average total assets | $106,381,000 | 4,271 |
| Average earning assets | $102,806,250 | 4,169 |
| Average equity | $11,426,250 | 4,389 |
| Average total loans | $75,678,500 | 3,938 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 2,114 |
| Cost of funding earning assets | 0.5984% | 1,325 |
| Net interest margin | 3.7149% | 2,638 |
| Noninterest income to average assets | 0.2175% | 5,188 |
| Noninterest expense to average assets | 2.0678% | 5,125 |
| Loan and lease loss provision to assets | 0.2250% | 920 |
| Net operating income to assets | 1.5073% | 881 |
| Return on assets (ROA) | 1.5073% | 925 |
| Pretax return on assets | 1.5091% | 1,645 |
| Return on Equity (ROE) | 14.1774% | 804 |
| Retained earnings to average equity (ytd only) | 4.8140% | 2,861 |
| Net charge-offs to loans | 0.0159% | 3,202 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 154.1667% | 402 |
| Efficiency ratio | 54.3886% | 5,277 |
| Assets per employee ($millions) | 6.5096% | 1,082 |
| Cash dividends to net income (ytd only)* | 66.0448% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 812 |
| Loan loss allowance to noncurrent loans | 63.9058% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.4138% | 591 |
| Noncurrent loans to loans | 3.0551% | 483 |
| Net loans and leases to total assets | 70.6854% | 2,371 |
| Net loans and leases to deposits | 83.5321% | 2,521 |
| Net loans and leases to core deposits | 85.3270% | 2,955 |
| Total domestic deposits to total assets | 84.6207% | 3,038 |
| Equity capital to assets | 11.0923% | 2,956 |
| Core capital (leverage) ratio | 10.7627% | 2,685 |
| Tier 1 risk-based capital ratio | 14.6589% | 3,228 |
| Total risk-based capital ratio | 15.9166% | 3,168 |
| Memoranda: | ||
| Average total assets | $106,683,670 | 4,297 |
| Average earning assets | $102,935,670 | 4,199 |
| Average equity | $11,342,000 | 4,431 |
| Average total loans | $75,604,000 | 3,961 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 2,051 |
| Cost of funding earning assets | 0.5940% | 1,371 |
| Net interest margin | 3.7296% | 2,558 |
| Noninterest income to average assets | 0.1853% | 5,390 |
| Noninterest expense to average assets | 2.0565% | 5,209 |
| Loan and lease loss provision to assets | 0.2223% | 855 |
| Net operating income to assets | 1.4859% | 884 |
| Return on assets (ROA) | 1.4859% | 924 |
| Pretax return on assets | 1.4896% | 1,628 |
| Return on Equity (ROE) | 14.2749% | 789 |
| Retained earnings to average equity (ytd only) | 14.2749% | 303 |
| Net charge-offs to loans | 0.0844% | 1,655 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 28.8750% | 1,204 |
| Efficiency ratio | 54.5723% | 5,332 |
| Assets per employee ($millions) | 6.7405% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 1,122 |
| Loan loss allowance to noncurrent loans | 58.2638% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.4414% | 620 |
| Noncurrent loans to loans | 3.1152% | 507 |
| Net loans and leases to total assets | 70.0208% | 2,339 |
| Net loans and leases to deposits | 83.2041% | 2,401 |
| Net loans and leases to core deposits | 84.9363% | 2,850 |
| Total domestic deposits to total assets | 84.1555% | 3,458 |
| Equity capital to assets | 10.7271% | 3,220 |
| Core capital (leverage) ratio | 10.5960% | 2,855 |
| Tier 1 risk-based capital ratio | 14.2673% | 3,516 |
| Total risk-based capital ratio | 15.5237% | 3,442 |
| Memoranda: | ||
| Average total assets | $107,949,000 | 4,306 |
| Average earning assets | $103,710,000 | 4,219 |
| Average equity | $11,236,500 | 4,463 |
| Average total loans | $75,862,500 | 3,975 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 2,316 |
| Cost of funding earning assets | 0.5777% | 1,518 |
| Net interest margin | 3.6915% | 2,782 |
| Noninterest income to average assets | 0.2160% | 5,298 |
| Noninterest expense to average assets | 2.5537% | 4,060 |
| Loan and lease loss provision to assets | 0.4874% | 236 |
| Net operating income to assets | 0.7589% | 3,533 |
| Return on assets (ROA) | 0.7589% | 3,630 |
| Pretax return on assets | 0.7598% | 4,338 |
| Return on Equity (ROE) | 6.8564% | 3,591 |
| Retained earnings to average equity (ytd only) | -4.6371% | 5,901 |
| Net charge-offs to loans | 0.9114% | 227 |
| Credit loss provision to net charge-offs | 74.3440% | 3,052 |
| Earnings coverage of net charge-offs (x) | 1.9023% | 4,010 |
| Efficiency ratio | 67.1863% | 3,717 |
| Assets per employee ($millions) | 6.7531% | 987 |
| Cash dividends to net income (ytd only)* | 167.6322% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 1,117 |
| Loan loss allowance to noncurrent loans | 60.6550% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.2823% | 720 |
| Noncurrent loans to loans | 2.9794% | 542 |
| Net loans and leases to total assets | 67.9880% | 2,703 |
| Net loans and leases to deposits | 80.1976% | 2,800 |
| Net loans and leases to core deposits | 81.8507% | 3,169 |
| Total domestic deposits to total assets | 84.7756% | 3,184 |
| Equity capital to assets | 10.0916% | 3,869 |
| Core capital (leverage) ratio | 10.5934% | 2,829 |
| Tier 1 risk-based capital ratio | 13.9995% | 3,716 |
| Total risk-based capital ratio | 15.2555% | 3,639 |
| Memoranda: | ||
| Average total assets | $104,630,600 | 4,367 |
| Average earning assets | $101,611,000 | 4,247 |
| Average equity | $11,580,400 | 4,373 |
| Average total loans | $75,265,200 | 3,963 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,222 |
| Cost of funding earning assets | 0.5818% | 1,525 |
| Net interest margin | 3.7206% | 2,674 |
| Noninterest income to average assets | 0.2197% | 5,343 |
| Noninterest expense to average assets | 2.0814% | 5,317 |
| Loan and lease loss provision to assets | 0.5396% | 184 |
| Net operating income to assets | 1.2206% | 1,585 |
| Return on assets (ROA) | 1.2206% | 1,649 |
| Pretax return on assets | 1.2218% | 2,724 |
| Return on Equity (ROE) | 10.7804% | 1,789 |
| Retained earnings to average equity (ytd only) | 0.9873% | 5,320 |
| Net charge-offs to loans | 0.2158% | 1,211 |
| Credit loss provision to net charge-offs | 344.2623% | 855 |
| Earnings coverage of net charge-offs (x) | 11.2379% | 2,511 |
| Efficiency ratio | 54.1625% | 5,496 |
| Assets per employee ($millions) | 6.4137% | 1,109 |
| Cash dividends to net income (ytd only)* | 90.8419% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4398% | 475 |
| Loan loss allowance to noncurrent loans | 67.3056% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.8796% | 548 |
| Noncurrent loans to loans | 3.6249% | 415 |
| Net loans and leases to total assets | 71.1535% | 2,204 |
| Net loans and leases to deposits | 83.0522% | 2,522 |
| Net loans and leases to core deposits | 84.8325% | 2,960 |
| Total domestic deposits to total assets | 85.6732% | 2,704 |
| Equity capital to assets | 11.4550% | 2,537 |
| Core capital (leverage) ratio | 11.2355% | 2,259 |
| Tier 1 risk-based capital ratio | 15.1091% | 3,241 |
| Total risk-based capital ratio | 16.3730% | 3,169 |
| Memoranda: | ||
| Average total assets | $103,775,750 | 4,432 |
| Average earning assets | $101,056,250 | 4,302 |
| Average equity | $11,749,500 | 4,399 |
| Average total loans | $75,378,250 | 3,997 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 2,181 |
| Cost of funding earning assets | 0.5722% | 1,626 |
| Net interest margin | 3.7235% | 2,609 |
| Noninterest income to average assets | 0.2170% | 5,399 |
| Noninterest expense to average assets | 2.0372% | 5,461 |
| Loan and lease loss provision to assets | 0.4320% | 253 |
| Net operating income to assets | 1.3690% | 1,148 |
| Return on assets (ROA) | 1.3690% | 1,194 |
| Pretax return on assets | 1.3710% | 2,111 |
| Return on Equity (ROE) | 12.1386% | 1,333 |
| Retained earnings to average equity (ytd only) | 1.6684% | 4,862 |
| Net charge-offs to loans | 0.3785% | 688 |
| Credit loss provision to net charge-offs | 157.3427% | 1,484 |
| Earnings coverage of net charge-offs (x) | 6.5664% | 2,768 |
| Efficiency ratio | 53.0500% | 5,646 |
| Assets per employee ($millions) | 6.5206% | 1,042 |
| Cash dividends to net income (ytd only)* | 86.2553% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1356% | 809 |
| Loan loss allowance to noncurrent loans | 69.5464% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 2.4585% | 777 |
| Noncurrent loans to loans | 3.0707% | 639 |
| Net loans and leases to total assets | 70.7170% | 2,205 |
| Net loans and leases to deposits | 81.3601% | 2,628 |
| Net loans and leases to core deposits | 82.6961% | 3,112 |
| Total domestic deposits to total assets | 86.9184% | 2,210 |
| Equity capital to assets | 11.0735% | 2,815 |
| Core capital (leverage) ratio | 11.1791% | 2,263 |
| Tier 1 risk-based capital ratio | 14.7425% | 3,509 |
| Total risk-based capital ratio | 16.0022% | 3,427 |
| Memoranda: | ||
| Average total assets | $104,161,330 | 4,465 |
| Average earning assets | $101,357,330 | 4,337 |
| Average equity | $11,747,670 | 4,423 |
| Average total loans | $75,556,670 | 4,012 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,037 |
| Cost of funding earning assets | 0.5743% | 1,623 |
| Net interest margin | 3.7426% | 2,454 |
| Noninterest income to average assets | 0.2075% | 5,471 |
| Noninterest expense to average assets | 2.0408% | 5,502 |
| Loan and lease loss provision to assets | 0.2306% | 752 |
| Net operating income to assets | 1.5642% | 759 |
| Return on assets (ROA) | 1.5642% | 798 |
| Pretax return on assets | 1.5681% | 1,350 |
| Return on Equity (ROE) | 13.7442% | 929 |
| Retained earnings to average equity (ytd only) | 13.7442% | 378 |
| Net charge-offs to loans | 0.2644% | 906 |
| Credit loss provision to net charge-offs | 120.0000% | 1,441 |
| Earnings coverage of net charge-offs (x) | 9.3600% | 2,017 |
| Efficiency ratio | 53.1532% | 5,740 |
| Assets per employee ($millions) | 6.5938% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 991 |
| Loan loss allowance to noncurrent loans | 104.2712% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6351% | 1,556 |
| Noncurrent loans to loans | 1.9650% | 1,338 |
| Net loans and leases to total assets | 69.6903% | 2,182 |
| Net loans and leases to deposits | 80.5398% | 2,501 |
| Net loans and leases to core deposits | 81.4625% | 3,014 |
| Total domestic deposits to total assets | 86.5290% | 2,652 |
| Equity capital to assets | 11.4786% | 2,477 |
| Core capital (leverage) ratio | 11.6216% | 1,911 |
| Tier 1 risk-based capital ratio | 15.0490% | 3,405 |
| Total risk-based capital ratio | 16.3070% | 3,325 |
| Memoranda: | ||
| Average total assets | $104,077,000 | 4,499 |
| Average earning assets | $100,999,000 | 4,370 |
| Average equity | $11,845,000 | 4,439 |
| Average total loans | $75,640,500 | 4,034 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 1,685 |
| Cost of funding earning assets | 0.5854% | 1,902 |
| Net interest margin | 3.9678% | 1,987 |
| Noninterest income to average assets | 0.2661% | 5,225 |
| Noninterest expense to average assets | 2.5189% | 4,484 |
| Loan and lease loss provision to assets | 0.2357% | 1,018 |
| Net operating income to assets | 1.3522% | 1,187 |
| Return on assets (ROA) | 1.3562% | 1,224 |
| Pretax return on assets | 1.3562% | 2,057 |
| Return on Equity (ROE) | 12.1513% | 1,372 |
| Retained earnings to average equity (ytd only) | 3.1060% | 4,028 |
| Net charge-offs to loans | 0.0277% | 4,261 |
| Credit loss provision to net charge-offs | 1,142.8571% | 247 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 652 |
| Efficiency ratio | 61.3343% | 5,016 |
| Assets per employee ($millions) | 6.4158% | 1,105 |
| Cash dividends to net income (ytd only)* | 74.4388% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 1,105 |
| Loan loss allowance to noncurrent loans | 78.9664% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.1285% | 1,156 |
| Noncurrent loans to loans | 2.5387% | 998 |
| Net loans and leases to total assets | 72.7607% | 1,799 |
| Net loans and leases to deposits | 85.4979% | 2,043 |
| Net loans and leases to core deposits | 86.5200% | 2,644 |
| Total domestic deposits to total assets | 85.1022% | 3,247 |
| Equity capital to assets | 11.2807% | 2,619 |
| Core capital (leverage) ratio | 11.3746% | 2,071 |
| Tier 1 risk-based capital ratio | 13.7314% | 4,279 |
| Total risk-based capital ratio | 14.9878% | 4,209 |
| Memoranda: | ||
| Average total assets | $101,830,800 | 4,552 |
| Average earning assets | $98,567,400 | 4,436 |
| Average equity | $11,365,000 | 4,482 |
| Average total loans | $75,898,400 | 3,996 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,653 |
| Cost of funding earning assets | 0.5849% | 1,974 |
| Net interest margin | 3.9815% | 1,932 |
| Noninterest income to average assets | 0.2768% | 5,223 |
| Noninterest expense to average assets | 2.0795% | 5,623 |
| Loan and lease loss provision to assets | 0.2362% | 932 |
| Net operating income to assets | 1.8105% | 509 |
| Return on assets (ROA) | 1.8158% | 515 |
| Pretax return on assets | 1.8158% | 860 |
| Return on Equity (ROE) | 16.3138% | 641 |
| Retained earnings to average equity (ytd only) | 6.5537% | 2,069 |
| Net charge-offs to loans | 0.0369% | 3,751 |
| Credit loss provision to net charge-offs | 857.1429% | 371 |
| Earnings coverage of net charge-offs (x) | 74.2839% | 743 |
| Efficiency ratio | 50.3975% | 6,078 |
| Assets per employee ($millions) | 6.3016% | 1,147 |
| Cash dividends to net income (ytd only)* | 59.8264% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 1,337 |
| Loan loss allowance to noncurrent loans | 89.1859% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8805% | 1,561 |
| Noncurrent loans to loans | 2.1938% | 1,392 |
| Net loans and leases to total assets | 72.9594% | 1,690 |
| Net loans and leases to deposits | 86.3181% | 1,873 |
| Net loans and leases to core deposits | 87.3751% | 2,492 |
| Total domestic deposits to total assets | 84.5238% | 3,538 |
| Equity capital to assets | 11.5823% | 2,405 |
| Core capital (leverage) ratio | 11.7425% | 1,871 |
| Tier 1 risk-based capital ratio | 14.1079% | 4,135 |
| Total risk-based capital ratio | 15.3636% | 4,071 |
| Memoranda: | ||
| Average total assets | $101,625,250 | 4,612 |
| Average earning assets | $98,253,000 | 4,488 |
| Average equity | $11,311,250 | 4,527 |
| Average total loans | $75,818,250 | 4,038 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 1,604 |
| Cost of funding earning assets | 0.5801% | 2,067 |
| Net interest margin | 3.9914% | 1,832 |
| Noninterest income to average assets | 0.2807% | 5,182 |
| Noninterest expense to average assets | 2.0532% | 5,720 |
| Loan and lease loss provision to assets | 0.2355% | 963 |
| Net operating income to assets | 1.8412% | 451 |
| Return on assets (ROA) | 1.8431% | 462 |
| Pretax return on assets | 1.8431% | 772 |
| Return on Equity (ROE) | 16.7843% | 574 |
| Retained earnings to average equity (ytd only) | 6.1846% | 2,222 |
| Net charge-offs to loans | 0.0158% | 3,913 |
| Credit loss provision to net charge-offs | 2,000.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 176.3333% | 356 |
| Efficiency ratio | 49.7148% | 6,185 |
| Assets per employee ($millions) | 6.2448% | 1,143 |
| Cash dividends to net income (ytd only)* | 63.1523% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 1,569 |
| Loan loss allowance to noncurrent loans | 88.3851% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.8626% | 1,748 |
| Noncurrent loans to loans | 2.1583% | 1,534 |
| Net loans and leases to total assets | 73.2345% | 1,544 |
| Net loans and leases to deposits | 85.8979% | 1,824 |
| Net loans and leases to core deposits | 86.9492% | 2,423 |
| Total domestic deposits to total assets | 85.2576% | 3,382 |
| Equity capital to assets | 11.5247% | 2,401 |
| Core capital (leverage) ratio | 11.5949% | 1,926 |
| Tier 1 risk-based capital ratio | 14.0318% | 4,245 |
| Total risk-based capital ratio | 15.2876% | 4,174 |
| Memoranda: | ||
| Average total assets | $101,891,670 | 4,639 |
| Average earning assets | $98,261,670 | 4,520 |
| Average equity | $11,189,000 | 4,560 |
| Average total loans | $76,081,000 | 4,039 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 1,659 |
| Cost of funding earning assets | 0.5769% | 2,180 |
| Net interest margin | 3.9700% | 1,858 |
| Noninterest income to average assets | 0.2411% | 5,428 |
| Noninterest expense to average assets | 2.0723% | 5,731 |
| Loan and lease loss provision to assets | 0.2333% | 951 |
| Net operating income to assets | 1.7613% | 512 |
| Return on assets (ROA) | 1.7652% | 525 |
| Pretax return on assets | 1.7652% | 849 |
| Return on Equity (ROE) | 16.4702% | 597 |
| Retained earnings to average equity (ytd only) | 16.4702% | 245 |
| Net charge-offs to loans | 0.0312% | 2,968 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 514 |
| Efficiency ratio | 50.9560% | 6,196 |
| Assets per employee ($millions) | 6.3771% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8106% | 2,005 |
| Loan loss allowance to noncurrent loans | 137.2608% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.2653% | 2,747 |
| Noncurrent loans to loans | 1.3191% | 2,828 |
| Net loans and leases to total assets | 72.4413% | 1,506 |
| Net loans and leases to deposits | 84.2747% | 1,795 |
| Net loans and leases to core deposits | 85.2752% | 2,395 |
| Total domestic deposits to total assets | 85.9585% | 3,388 |
| Equity capital to assets | 11.1621% | 2,563 |
| Core capital (leverage) ratio | 11.5625% | 1,923 |
| Tier 1 risk-based capital ratio | 13.9568% | 4,359 |
| Total risk-based capital ratio | 15.2110% | 4,299 |
| Memoranda: | ||
| Average total assets | $102,879,500 | 4,655 |
| Average earning assets | $99,142,500 | 4,532 |
| Average equity | $11,026,000 | 4,607 |
| Average total loans | $76,823,500 | 4,039 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 2,122 |
| Cost of funding earning assets | 0.6266% | 2,420 |
| Net interest margin | 3.8960% | 2,298 |
| Noninterest income to average assets | 0.1970% | 5,905 |
| Noninterest expense to average assets | 2.3381% | 5,261 |
| Loan and lease loss provision to assets | 0.1871% | 1,972 |
| Net operating income to assets | 1.4369% | 946 |
| Return on assets (ROA) | 1.4369% | 986 |
| Pretax return on assets | 1.4379% | 1,659 |
| Return on Equity (ROE) | 13.1691% | 1,137 |
| Retained earnings to average equity (ytd only) | 4.4408% | 3,014 |
| Net charge-offs to loans | 0.1941% | 2,916 |
| Credit loss provision to net charge-offs | 131.9444% | 1,785 |
| Earnings coverage of net charge-offs (x) | 11.4583% | 2,239 |
| Efficiency ratio | 58.9960% | 5,608 |
| Assets per employee ($millions) | 6.4829% | 989 |
| Cash dividends to net income (ytd only)* | 66.2783% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 2,498 |
| Loan loss allowance to noncurrent loans | 97.2511% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.5849% | 2,347 |
| Noncurrent loans to loans | 1.7175% | 2,338 |
| Net loans and leases to total assets | 74.2928% | 1,299 |
| Net loans and leases to deposits | 90.9103% | 1,163 |
| Net loans and leases to core deposits | 92.3052% | 1,765 |
| Total domestic deposits to total assets | 81.7211% | 4,961 |
| Equity capital to assets | 10.2800% | 3,409 |
| Core capital (leverage) ratio | 11.1265% | 2,259 |
| Tier 1 risk-based capital ratio | 13.0007% | 4,971 |
| Total risk-based capital ratio | 14.2541% | 4,923 |
| Memoranda: | ||
| Average total assets | $101,536,600 | 4,702 |
| Average earning assets | $98,152,200 | 4,563 |
| Average equity | $11,079,000 | 4,617 |
| Average total loans | $74,192,600 | 4,123 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 2,211 |
| Cost of funding earning assets | 0.6411% | 2,446 |
| Net interest margin | 3.8642% | 2,399 |
| Noninterest income to average assets | 0.1743% | 6,145 |
| Noninterest expense to average assets | 1.9236% | 6,148 |
| Loan and lease loss provision to assets | 0.1716% | 2,116 |
| Net operating income to assets | 1.8100% | 513 |
| Return on assets (ROA) | 1.8100% | 533 |
| Pretax return on assets | 1.8114% | 880 |
| Return on Equity (ROE) | 16.3458% | 603 |
| Retained earnings to average equity (ytd only) | 7.2012% | 1,787 |
| Net charge-offs to loans | 0.0018% | 5,184 |
| Credit loss provision to net charge-offs | 13,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,505.7293% | 18 |
| Efficiency ratio | 49.2396% | 6,444 |
| Assets per employee ($millions) | 6.4028% | 972 |
| Cash dividends to net income (ytd only)* | 55.9446% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8322% | 2,201 |
| Loan loss allowance to noncurrent loans | 89.7485% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.8107% | 2,261 |
| Noncurrent loans to loans | 2.0415% | 2,206 |
| Net loans and leases to total assets | 72.8030% | 1,483 |
| Net loans and leases to deposits | 88.4072% | 1,323 |
| Net loans and leases to core deposits | 90.0532% | 1,958 |
| Total domestic deposits to total assets | 82.3496% | 4,805 |
| Equity capital to assets | 10.7980% | 2,955 |
| Core capital (leverage) ratio | 11.3647% | 2,151 |
| Tier 1 risk-based capital ratio | 13.5668% | 4,716 |
| Total risk-based capital ratio | 14.8213% | 4,671 |
| Memoranda: | ||
| Average total assets | $100,989,250 | 4,762 |
| Average earning assets | $97,543,000 | 4,629 |
| Average equity | $11,183,000 | 4,651 |
| Average total loans | $73,148,250 | 4,191 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 2,356 |
| Cost of funding earning assets | 0.6639% | 2,370 |
| Net interest margin | 3.7934% | 2,579 |
| Noninterest income to average assets | 0.1492% | 6,303 |
| Noninterest expense to average assets | 1.9084% | 6,204 |
| Loan and lease loss provision to assets | 0.1393% | 2,586 |
| Net operating income to assets | 1.7611% | 556 |
| Return on assets (ROA) | 1.7611% | 601 |
| Pretax return on assets | 1.7631% | 995 |
| Return on Equity (ROE) | 15.7707% | 696 |
| Retained earnings to average equity (ytd only) | 5.5420% | 2,714 |
| Net charge-offs to loans | 0.0028% | 4,872 |
| Credit loss provision to net charge-offs | 7,000.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 956.0000% | 34 |
| Efficiency ratio | 50.0783% | 6,428 |
| Assets per employee ($millions) | 6.2667% | 1,036 |
| Cash dividends to net income (ytd only)* | 64.8588% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,306 |
| Loan loss allowance to noncurrent loans | 87.6893% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.8381% | 2,359 |
| Noncurrent loans to loans | 2.0947% | 2,285 |
| Net loans and leases to total assets | 70.9934% | 1,721 |
| Net loans and leases to deposits | 85.5791% | 1,611 |
| Net loans and leases to core deposits | 87.4699% | 2,177 |
| Total domestic deposits to total assets | 82.9565% | 4,710 |
| Equity capital to assets | 10.8002% | 2,941 |
| Core capital (leverage) ratio | 10.9894% | 2,363 |
| Tier 1 risk-based capital ratio | 13.7511% | 4,605 |
| Total risk-based capital ratio | 15.0055% | 4,574 |
| Memoranda: | ||
| Average total assets | $100,504,000 | 4,802 |
| Average earning assets | $97,009,670 | 4,670 |
| Average equity | $11,223,330 | 4,677 |
| Average total loans | $72,206,000 | 4,234 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 2,448 |
| Cost of funding earning assets | 0.7005% | 2,200 |
| Net interest margin | 3.7208% | 2,772 |
| Noninterest income to average assets | 0.1034% | 6,560 |
| Noninterest expense to average assets | 1.8485% | 6,366 |
| Loan and lease loss provision to assets | 0.1193% | 2,741 |
| Net operating income to assets | 1.7213% | 556 |
| Return on assets (ROA) | 1.7213% | 616 |
| Pretax return on assets | 1.7253% | 1,015 |
| Return on Equity (ROE) | 15.1657% | 730 |
| Retained earnings to average equity (ytd only) | 15.1657% | 339 |
| Net charge-offs to loans | 0.0111% | 3,923 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 173 |
| Efficiency ratio | 50.0538% | 6,496 |
| Assets per employee ($millions) | 6.2804% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 2,602 |
| Loan loss allowance to noncurrent loans | 80.0868% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 2.0550% | 2,279 |
| Noncurrent loans to loans | 2.2540% | 2,326 |
| Net loans and leases to total assets | 69.8854% | 1,680 |
| Net loans and leases to deposits | 82.0156% | 1,826 |
| Net loans and leases to core deposits | 83.7707% | 2,350 |
| Total domestic deposits to total assets | 85.2099% | 3,942 |
| Equity capital to assets | 11.5548% | 2,364 |
| Core capital (leverage) ratio | 11.2617% | 2,046 |
| Tier 1 risk-based capital ratio | 13.9529% | 4,540 |
| Total risk-based capital ratio | 15.2068% | 4,498 |
| Memoranda: | ||
| Average total assets | $100,622,500 | 4,851 |
| Average earning assets | $97,075,500 | 4,712 |
| Average equity | $11,420,500 | 4,695 |
| Average total loans | $72,051,500 | 4,267 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 2,094 |
| Cost of funding earning assets | 0.8974% | 1,951 |
| Net interest margin | 3.9326% | 2,682 |
| Noninterest income to average assets | 0.1389% | 6,344 |
| Noninterest expense to average assets | 2.3491% | 5,567 |
| Loan and lease loss provision to assets | 0.3214% | 2,124 |
| Net operating income to assets | 1.2471% | 1,457 |
| Return on assets (ROA) | 1.2471% | 1,618 |
| Pretax return on assets | 1.2481% | 2,610 |
| Return on Equity (ROE) | 10.9102% | 1,828 |
| Retained earnings to average equity (ytd only) | 6.4210% | 1,857 |
| Net charge-offs to loans | 0.4257% | 2,533 |
| Credit loss provision to net charge-offs | 108.3916% | 2,718 |
| Earnings coverage of net charge-offs (x) | 5.2937% | 3,076 |
| Efficiency ratio | 59.9471% | 5,548 |
| Assets per employee ($millions) | 6.2974% | 1,106 |
| Cash dividends to net income (ytd only)* | 41.1471% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 2,787 |
| Loan loss allowance to noncurrent loans | 79.4840% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.0564% | 2,383 |
| Noncurrent loans to loans | 2.1891% | 2,480 |
| Net loans and leases to total assets | 70.7867% | 1,683 |
| Net loans and leases to deposits | 85.4978% | 1,578 |
| Net loans and leases to core deposits | 87.1080% | 2,179 |
| Total domestic deposits to total assets | 82.7936% | 4,802 |
| Equity capital to assets | 11.1454% | 2,796 |
| Core capital (leverage) ratio | 11.0433% | 2,220 |
| Tier 1 risk-based capital ratio | 13.2945% | 4,902 |
| Total risk-based capital ratio | 14.5483% | 4,845 |
| Memoranda: | ||
| Average total assets | $96,463,200 | 4,928 |
| Average earning assets | $92,712,200 | 4,786 |
| Average equity | $11,026,400 | 4,755 |
| Average total loans | $67,179,200 | 4,454 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 1,777 |
| Cost of funding earning assets | 0.9428% | 1,890 |
| Net interest margin | 4.0257% | 2,395 |
| Noninterest income to average assets | 0.1426% | 6,431 |
| Noninterest expense to average assets | 1.9401% | 6,458 |
| Loan and lease loss provision to assets | 0.3914% | 1,640 |
| Net operating income to assets | 1.6773% | 729 |
| Return on assets (ROA) | 1.6773% | 808 |
| Pretax return on assets | 1.6787% | 1,334 |
| Return on Equity (ROE) | 14.5776% | 982 |
| Retained earnings to average equity (ytd only) | 8.5643% | 1,388 |
| Net charge-offs to loans | 0.1803% | 3,674 |
| Credit loss provision to net charge-offs | 314.6067% | 850 |
| Earnings coverage of net charge-offs (x) | 16.6410% | 1,679 |
| Efficiency ratio | 48.3792% | 6,697 |
| Assets per employee ($millions) | 6.1603% | 1,148 |
| Cash dividends to net income (ytd only)* | 41.2498% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 2,005 |
| Loan loss allowance to noncurrent loans | 159.0656% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 3,453 |
| Noncurrent loans to loans | 1.2958% | 3,870 |
| Net loans and leases to total assets | 68.9369% | 2,125 |
| Net loans and leases to deposits | 82.0576% | 2,109 |
| Net loans and leases to core deposits | 83.6116% | 2,741 |
| Total domestic deposits to total assets | 84.0104% | 4,214 |
| Equity capital to assets | 11.4585% | 2,792 |
| Core capital (leverage) ratio | 11.0246% | 2,358 |
| Tier 1 risk-based capital ratio | 14.0832% | 4,468 |
| Total risk-based capital ratio | 15.3413% | 4,422 |
| Memoranda: | ||
| Average total assets | $95,389,250 | 5,007 |
| Average earning assets | $91,642,500 | 4,866 |
| Average equity | $10,975,500 | 4,809 |
| Average total loans | $65,827,250 | 4,556 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0101% | 1,762 |
| Cost of funding earning assets | 0.9822% | 1,869 |
| Net interest margin | 4.0279% | 2,390 |
| Noninterest income to average assets | 0.1103% | 6,629 |
| Noninterest expense to average assets | 2.0099% | 6,407 |
| Loan and lease loss provision to assets | 0.1166% | 4,065 |
| Net operating income to assets | 1.8594% | 502 |
| Return on assets (ROA) | 1.8594% | 574 |
| Pretax return on assets | 1.8615% | 918 |
| Return on Equity (ROE) | 16.1371% | 753 |
| Retained earnings to average equity (ytd only) | 10.1570% | 936 |
| Net charge-offs to loans | 0.2599% | 3,018 |
| Credit loss provision to net charge-offs | 65.4762% | 3,676 |
| Earnings coverage of net charge-offs (x) | 11.1071% | 1,992 |
| Efficiency ratio | 50.3987% | 6,617 |
| Assets per employee ($millions) | 5.9700% | 1,256 |
| Cash dividends to net income (ytd only)* | 37.0582% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,827 |
| Loan loss allowance to noncurrent loans | 116.7954% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6405% | 3,264 |
| Noncurrent loans to loans | 1.5481% | 3,588 |
| Net loans and leases to total assets | 68.7919% | 2,139 |
| Net loans and leases to deposits | 82.1170% | 2,095 |
| Net loans and leases to core deposits | 83.7230% | 2,728 |
| Total domestic deposits to total assets | 83.7730% | 4,411 |
| Equity capital to assets | 11.6384% | 2,458 |
| Core capital (leverage) ratio | 11.0569% | 2,243 |
| Tier 1 risk-based capital ratio | 14.3767% | 4,192 |
| Total risk-based capital ratio | 15.6322% | 4,148 |
| Memoranda: | ||
| Average total assets | $94,331,000 | 5,060 |
| Average earning assets | $90,816,670 | 4,906 |
| Average equity | $10,869,330 | 4,840 |
| Average total loans | $64,644,000 | 4,620 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 1,806 |
| Cost of funding earning assets | 1.0057% | 1,944 |
| Net interest margin | 4.0186% | 2,426 |
| Noninterest income to average assets | 0.0939% | 6,778 |
| Noninterest expense to average assets | 2.0696% | 6,338 |
| Loan and lease loss provision to assets | 0.1280% | 3,744 |
| Net operating income to assets | 1.7624% | 647 |
| Return on assets (ROA) | 1.7624% | 723 |
| Pretax return on assets | 1.7667% | 1,161 |
| Return on Equity (ROE) | 15.3739% | 910 |
| Retained earnings to average equity (ytd only) | 15.3739% | 420 |
| Net charge-offs to loans | 0.5291% | 1,768 |
| Credit loss provision to net charge-offs | 35.7143% | 3,520 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,403 |
| Efficiency ratio | 52.2067% | 6,527 |
| Assets per employee ($millions) | 5.9105% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 2,829 |
| Loan loss allowance to noncurrent loans | 77.8070% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 2.4543% | 2,409 |
| Noncurrent loans to loans | 2.3837% | 2,720 |
| Net loans and leases to total assets | 66.3078% | 2,416 |
| Net loans and leases to deposits | 78.3727% | 2,437 |
| Net loans and leases to core deposits | 79.6489% | 3,105 |
| Total domestic deposits to total assets | 84.6058% | 4,217 |
| Equity capital to assets | 11.5684% | 2,375 |
| Core capital (leverage) ratio | 11.1932% | 2,114 |
| Tier 1 risk-based capital ratio | 14.5707% | 4,047 |
| Total risk-based capital ratio | 15.8252% | 4,001 |
| Memoranda: | ||
| Average total assets | $93,736,500 | 5,106 |
| Average earning assets | $90,281,000 | 4,959 |
| Average equity | $10,745,500 | 4,874 |
| Average total loans | $63,506,000 | 4,678 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 1,519 |
| Cost of funding earning assets | 1.1841% | 2,139 |
| Net interest margin | 4.1792% | 2,125 |
| Noninterest income to average assets | 0.1796% | 6,208 |
| Noninterest expense to average assets | 2.5374% | 5,329 |
| Loan and lease loss provision to assets | 0.1818% | 4,372 |
| Net operating income to assets | 1.4863% | 854 |
| Return on assets (ROA) | 1.4970% | 905 |
| Pretax return on assets | 1.4980% | 1,476 |
| Return on Equity (ROE) | 13.5922% | 1,034 |
| Retained earnings to average equity (ytd only) | 4.8252% | 2,765 |
| Net charge-offs to loans | 0.2846% | 3,999 |
| Credit loss provision to net charge-offs | 92.8962% | 3,883 |
| Earnings coverage of net charge-offs (x) | 8.5301% | 2,131 |
| Efficiency ratio | 60.3203% | 5,704 |
| Assets per employee ($millions) | 5.8066% | 1,367 |
| Cash dividends to net income (ytd only)* | 64.5000% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 2,392 |
| Loan loss allowance to noncurrent loans | 89.9129% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 2.2378% | 2,693 |
| Noncurrent loans to loans | 2.1831% | 2,973 |
| Net loans and leases to total assets | 66.6078% | 2,663 |
| Net loans and leases to deposits | 78.5135% | 2,753 |
| Net loans and leases to core deposits | 80.1196% | 3,440 |
| Total domestic deposits to total assets | 84.8361% | 3,934 |
| Equity capital to assets | 11.3568% | 2,631 |
| Core capital (leverage) ratio | 10.5970% | 2,623 |
| Tier 1 risk-based capital ratio | 14.2536% | 4,144 |
| Total risk-based capital ratio | 15.5099% | 4,102 |
| Memoranda: | ||
| Average total assets | $93,522,000 | 5,081 |
| Average earning assets | $90,112,000 | 4,933 |
| Average equity | $10,300,000 | 4,944 |
| Average total loans | $64,292,200 | 4,703 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 1,565 |
| Cost of funding earning assets | 1.2195% | 2,196 |
| Net interest margin | 4.1618% | 2,236 |
| Noninterest income to average assets | 0.1978% | 6,175 |
| Noninterest expense to average assets | 2.1051% | 6,498 |
| Loan and lease loss provision to assets | 0.1993% | 4,031 |
| Net operating income to assets | 1.8944% | 428 |
| Return on assets (ROA) | 1.8944% | 463 |
| Pretax return on assets | 1.8958% | 785 |
| Return on Equity (ROE) | 17.3349% | 532 |
| Retained earnings to average equity (ytd only) | 5.5743% | 2,809 |
| Net charge-offs to loans | -0.0062% | 6,734 |
| Credit loss provision to net charge-offs | -4,666.6667% | 6,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1186% | 6,822 |
| Assets per employee ($millions) | 5.9418% | 1,243 |
| Cash dividends to net income (ytd only)* | 67.8438% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1395% | 1,982 |
| Loan loss allowance to noncurrent loans | 92.8144% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 2.3867% | 2,695 |
| Noncurrent loans to loans | 2.3051% | 2,994 |
| Net loans and leases to total assets | 67.1172% | 2,648 |
| Net loans and leases to deposits | 81.5133% | 2,445 |
| Net loans and leases to core deposits | 83.1882% | 3,164 |
| Total domestic deposits to total assets | 82.3390% | 4,959 |
| Equity capital to assets | 11.1794% | 2,978 |
| Core capital (leverage) ratio | 10.5002% | 2,868 |
| Tier 1 risk-based capital ratio | 13.8331% | 4,470 |
| Total risk-based capital ratio | 15.0911% | 4,428 |
| Memoranda: | ||
| Average total assets | $93,676,250 | 5,116 |
| Average earning assets | $90,087,000 | 4,954 |
| Average equity | $10,237,250 | 4,982 |
| Average total loans | $64,585,000 | 4,729 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 1,607 |
| Cost of funding earning assets | 1.2423% | 2,304 |
| Net interest margin | 4.1440% | 2,251 |
| Noninterest income to average assets | 0.2339% | 5,972 |
| Noninterest expense to average assets | 2.0791% | 6,636 |
| Loan and lease loss provision to assets | 0.2360% | 3,549 |
| Net operating income to assets | 1.9032% | 410 |
| Return on assets (ROA) | 1.9032% | 440 |
| Pretax return on assets | 1.9053% | 703 |
| Return on Equity (ROE) | 17.5522% | 507 |
| Retained earnings to average equity (ytd only) | 3.7400% | 3,836 |
| Net charge-offs to loans | -0.0093% | 6,673 |
| Credit loss provision to net charge-offs | -3,666.6667% | 6,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2628% | 6,987 |
| Assets per employee ($millions) | 5.9691% | 1,205 |
| Cash dividends to net income (ytd only)* | 78.6922% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 2,177 |
| Loan loss allowance to noncurrent loans | 94.7259% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 2.3485% | 2,804 |
| Noncurrent loans to loans | 2.1875% | 3,239 |
| Net loans and leases to total assets | 67.5444% | 2,703 |
| Net loans and leases to deposits | 82.6805% | 2,342 |
| Net loans and leases to core deposits | 84.1034% | 3,199 |
| Total domestic deposits to total assets | 81.6933% | 5,275 |
| Equity capital to assets | 10.8841% | 3,085 |
| Core capital (leverage) ratio | 10.3189% | 2,911 |
| Tier 1 risk-based capital ratio | 13.4374% | 4,576 |
| Total risk-based capital ratio | 14.6949% | 4,557 |
| Memoranda: | ||
| Average total assets | $93,212,330 | 5,161 |
| Average earning assets | $89,672,330 | 5,003 |
| Average equity | $10,107,000 | 5,022 |
| Average total loans | $64,379,330 | 4,774 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 1,741 |
| Cost of funding earning assets | 1.2817% | 2,292 |
| Net interest margin | 4.0619% | 2,424 |
| Noninterest income to average assets | 0.2433% | 5,954 |
| Noninterest expense to average assets | 1.9638% | 6,887 |
| Loan and lease loss provision to assets | 0.2607% | 3,053 |
| Net operating income to assets | 1.9247% | 390 |
| Return on assets (ROA) | 1.9247% | 411 |
| Pretax return on assets | 1.9291% | 639 |
| Return on Equity (ROE) | 17.7858% | 497 |
| Retained earnings to average equity (ytd only) | 12.9278% | 602 |
| Net charge-offs to loans | 0.0126% | 4,905 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 124 |
| Efficiency ratio | 47.2803% | 7,145 |
| Assets per employee ($millions) | 5.8059% | 1,337 |
| Cash dividends to net income (ytd only)* | 27.3138% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 2,323 |
| Loan loss allowance to noncurrent loans | 83.5459% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 2.5685% | 2,663 |
| Noncurrent loans to loans | 2.4349% | 3,056 |
| Net loans and leases to total assets | 67.9140% | 2,566 |
| Net loans and leases to deposits | 80.1953% | 2,684 |
| Net loans and leases to core deposits | 81.5617% | 3,521 |
| Total domestic deposits to total assets | 84.6858% | 4,189 |
| Equity capital to assets | 10.9512% | 2,733 |
| Core capital (leverage) ratio | 10.7902% | 2,362 |
| Tier 1 risk-based capital ratio | 14.0189% | 4,061 |
| Total risk-based capital ratio | 15.2763% | 4,035 |
| Memoranda: | ||
| Average total assets | $92,065,500 | 5,238 |
| Average earning assets | $88,629,500 | 5,068 |
| Average equity | $9,963,000 | 5,057 |
| Average total loans | $63,632,000 | 4,848 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7147% | 1,517 |
| Cost of funding earning assets | 1.6346% | 1,890 |
| Net interest margin | 4.0802% | 2,656 |
| Noninterest income to average assets | 0.2044% | 6,323 |
| Noninterest expense to average assets | 2.4807% | 5,859 |
| Loan and lease loss provision to assets | 0.3136% | 4,291 |
| Net operating income to assets | 1.3258% | 1,112 |
| Return on assets (ROA) | 1.3647% | 1,099 |
| Pretax return on assets | 1.3658% | 1,748 |
| Return on Equity (ROE) | 12.8752% | 1,119 |
| Retained earnings to average equity (ytd only) | 7.4374% | 1,164 |
| Net charge-offs to loans | 0.2343% | 4,877 |
| Credit loss provision to net charge-offs | 198.6301% | 1,590 |
| Earnings coverage of net charge-offs (x) | 10.3904% | 1,712 |
| Efficiency ratio | 60.1942% | 6,019 |
| Assets per employee ($millions) | 5.7023% | 1,419 |
| Cash dividends to net income (ytd only)* | 42.2345% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 2,326 |
| Loan loss allowance to noncurrent loans | 70.6148% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 2.6809% | 2,601 |
| Noncurrent loans to loans | 2.8203% | 2,700 |
| Net loans and leases to total assets | 67.5318% | 3,096 |
| Net loans and leases to deposits | 78.6595% | 3,400 |
| Net loans and leases to core deposits | 80.2182% | 4,179 |
| Total domestic deposits to total assets | 85.8533% | 3,431 |
| Equity capital to assets | 10.6897% | 2,969 |
| Core capital (leverage) ratio | 10.5134% | 2,545 |
| Tier 1 risk-based capital ratio | 13.5889% | 4,142 |
| Total risk-based capital ratio | 14.8459% | 4,103 |
| Memoranda: | ||
| Average total assets | $92,475,000 | 5,208 |
| Average earning assets | $88,770,400 | 5,057 |
| Average equity | $9,801,800 | 5,185 |
| Average total loans | $62,306,000 | 4,982 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8085% | 1,370 |
| Cost of funding earning assets | 1.6889% | 1,929 |
| Net interest margin | 4.1197% | 2,533 |
| Noninterest income to average assets | 0.2558% | 6,069 |
| Noninterest expense to average assets | 2.0822% | 6,884 |
| Loan and lease loss provision to assets | 0.3305% | 3,954 |
| Net operating income to assets | 1.7991% | 503 |
| Return on assets (ROA) | 1.8494% | 498 |
| Pretax return on assets | 1.8508% | 847 |
| Return on Equity (ROE) | 17.4848% | 533 |
| Retained earnings to average equity (ytd only) | 10.2436% | 743 |
| Net charge-offs to loans | 0.3067% | 4,129 |
| Credit loss provision to net charge-offs | 160.8392% | 2,354 |
| Earnings coverage of net charge-offs (x) | 10.3707% | 1,893 |
| Efficiency ratio | 49.4202% | 7,188 |
| Assets per employee ($millions) | 5.8056% | 1,390 |
| Cash dividends to net income (ytd only)* | 41.4141% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 2,530 |
| Loan loss allowance to noncurrent loans | 90.0528% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 2.2005% | 3,201 |
| Noncurrent loans to loans | 2.0927% | 3,577 |
| Net loans and leases to total assets | 66.9778% | 3,466 |
| Net loans and leases to deposits | 79.8345% | 3,487 |
| Net loans and leases to core deposits | 81.4183% | 4,328 |
| Total domestic deposits to total assets | 83.8958% | 4,185 |
| Equity capital to assets | 11.0594% | 2,904 |
| Core capital (leverage) ratio | 10.2573% | 2,979 |
| Tier 1 risk-based capital ratio | 13.5647% | 4,150 |
| Total risk-based capital ratio | 14.8205% | 4,094 |
| Memoranda: | ||
| Average total assets | $92,784,500 | 5,259 |
| Average earning assets | $89,131,250 | 5,104 |
| Average equity | $9,814,000 | 5,253 |
| Average total loans | $62,166,000 | 5,059 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8231% | 1,368 |
| Cost of funding earning assets | 1.7185% | 2,024 |
| Net interest margin | 4.1046% | 2,537 |
| Noninterest income to average assets | 0.2588% | 6,067 |
| Noninterest expense to average assets | 2.1111% | 6,868 |
| Loan and lease loss provision to assets | 0.3666% | 3,511 |
| Net operating income to assets | 1.7294% | 552 |
| Return on assets (ROA) | 1.7919% | 540 |
| Pretax return on assets | 1.7941% | 894 |
| Return on Equity (ROE) | 17.2032% | 550 |
| Retained earnings to average equity (ytd only) | 9.8541% | 878 |
| Net charge-offs to loans | 0.2461% | 4,117 |
| Credit loss provision to net charge-offs | 223.6842% | 1,740 |
| Earnings coverage of net charge-offs (x) | 12.8026% | 1,648 |
| Efficiency ratio | 50.1537% | 7,213 |
| Assets per employee ($millions) | 5.8688% | 1,322 |
| Cash dividends to net income (ytd only)* | 42.7196% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,497 |
| Loan loss allowance to noncurrent loans | 72.2356% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 2.5452% | 2,840 |
| Noncurrent loans to loans | 2.5943% | 3,044 |
| Net loans and leases to total assets | 67.0259% | 3,618 |
| Net loans and leases to deposits | 81.4942% | 3,340 |
| Net loans and leases to core deposits | 83.1578% | 4,253 |
| Total domestic deposits to total assets | 82.2462% | 4,887 |
| Equity capital to assets | 10.6484% | 3,221 |
| Core capital (leverage) ratio | 9.8026% | 3,397 |
| Tier 1 risk-based capital ratio | 12.9826% | 4,463 |
| Total risk-based capital ratio | 14.2384% | 4,415 |
| Memoranda: | ||
| Average total assets | $92,749,670 | 5,290 |
| Average earning assets | $89,265,330 | 5,126 |
| Average equity | $9,661,000 | 5,295 |
| Average total loans | $61,751,330 | 5,106 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7759% | 1,535 |
| Cost of funding earning assets | 1.7436% | 2,161 |
| Net interest margin | 4.0323% | 2,729 |
| Noninterest income to average assets | 0.2170% | 6,411 |
| Noninterest expense to average assets | 2.1004% | 6,941 |
| Loan and lease loss provision to assets | 0.2604% | 3,954 |
| Net operating income to assets | 1.7358% | 568 |
| Return on assets (ROA) | 1.7402% | 615 |
| Pretax return on assets | 1.7445% | 975 |
| Return on Equity (ROE) | 16.8984% | 616 |
| Retained earnings to average equity (ytd only) | 16.8984% | 292 |
| Net charge-offs to loans | -0.0066% | 6,838 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2169% | 7,219 |
| Assets per employee ($millions) | 5.8226% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 2,421 |
| Loan loss allowance to noncurrent loans | 64.9805% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.7104% | 2,685 |
| Noncurrent loans to loans | 2.9324% | 2,745 |
| Net loans and leases to total assets | 64.5978% | 4,194 |
| Net loans and leases to deposits | 77.6256% | 4,109 |
| Net loans and leases to core deposits | 79.6706% | 4,803 |
| Total domestic deposits to total assets | 83.2172% | 4,515 |
| Equity capital to assets | 10.4743% | 3,272 |
| Core capital (leverage) ratio | 9.9836% | 3,183 |
| Tier 1 risk-based capital ratio | 13.2643% | 4,155 |
| Total risk-based capital ratio | 14.5190% | 4,095 |
| Memoranda: | ||
| Average total assets | $92,174,000 | 5,381 |
| Average earning assets | $88,782,000 | 5,200 |
| Average equity | $9,492,000 | 5,391 |
| Average total loans | $60,557,000 | 5,225 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1303% | 1,437 |
| Cost of funding earning assets | 2.3318% | 1,526 |
| Net interest margin | 3.7985% | 3,712 |
| Noninterest income to average assets | 0.2964% | 5,989 |
| Noninterest expense to average assets | 2.4033% | 6,457 |
| Loan and lease loss provision to assets | 0.5529% | 3,606 |
| Net operating income to assets | 1.0090% | 1,806 |
| Return on assets (ROA) | 1.0181% | 1,826 |
| Pretax return on assets | 1.0192% | 2,527 |
| Return on Equity (ROE) | 9.9788% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.1124% | 1,314 |
| Net charge-offs to loans | 0.8324% | 2,748 |
| Credit loss provision to net charge-offs | 97.7823% | 5,697 |
| Earnings coverage of net charge-offs (x) | 2.7641% | 3,713 |
| Efficiency ratio | 60.5921% | 6,389 |
| Assets per employee ($millions) | 5.6992% | 1,469 |
| Cash dividends to net income (ytd only)* | 38.7458% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 2,394 |
| Loan loss allowance to noncurrent loans | 50.3865% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.6166% | 2,685 |
| Noncurrent loans to loans | 3.6794% | 2,046 |
| Net loans and leases to total assets | 64.3261% | 4,530 |
| Net loans and leases to deposits | 77.0292% | 4,557 |
| Net loans and leases to core deposits | 89.8696% | 5,144 |
| Total domestic deposits to total assets | 83.5086% | 4,278 |
| Equity capital to assets | 10.1177% | 3,600 |
| Core capital (leverage) ratio | 9.8864% | 3,220 |
| Tier 1 risk-based capital ratio | 13.0518% | 4,107 |
| Total risk-based capital ratio | 14.3070% | 4,050 |
| Memoranda: | ||
| Average total assets | $87,713,800 | 5,462 |
| Average earning assets | $84,743,200 | 5,303 |
| Average equity | $8,949,000 | 5,626 |
| Average total loans | $59,588,000 | 5,266 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1981% | 1,383 |
| Cost of funding earning assets | 2.4522% | 1,437 |
| Net interest margin | 3.7458% | 3,885 |
| Noninterest income to average assets | 0.3055% | 6,038 |
| Noninterest expense to average assets | 1.9743% | 7,431 |
| Loan and lease loss provision to assets | 0.5450% | 3,208 |
| Net operating income to assets | 1.4032% | 1,024 |
| Return on assets (ROA) | 1.4078% | 1,073 |
| Pretax return on assets | 1.4094% | 1,671 |
| Return on Equity (ROE) | 13.7689% | 969 |
| Retained earnings to average equity (ytd only) | 9.4745% | 736 |
| Net charge-offs to loans | 0.9449% | 2,084 |
| Credit loss provision to net charge-offs | 84.1232% | 5,650 |
| Earnings coverage of net charge-offs (x) | 3.0095% | 3,730 |
| Efficiency ratio | 50.3130% | 7,532 |
| Assets per employee ($millions) | 5.4396% | 1,677 |
| Cash dividends to net income (ytd only)* | 31.1882% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 2,429 |
| Loan loss allowance to noncurrent loans | 40.9020% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 3.1701% | 2,144 |
| Noncurrent loans to loans | 4.2900% | 1,674 |
| Net loans and leases to total assets | 67.6766% | 4,029 |
| Net loans and leases to deposits | 77.6997% | 4,780 |
| Net loans and leases to core deposits | 91.1526% | 5,317 |
| Total domestic deposits to total assets | 87.1003% | 2,127 |
| Equity capital to assets | 10.9074% | 3,107 |
| Core capital (leverage) ratio | 10.2418% | 3,025 |
| Tier 1 risk-based capital ratio | 13.3436% | 3,960 |
| Total risk-based capital ratio | 14.5968% | 3,907 |
| Memoranda: | ||
| Average total assets | $86,845,500 | 5,522 |
| Average earning assets | $83,895,250 | 5,379 |
| Average equity | $8,879,750 | 5,688 |
| Average total loans | $59,543,750 | 5,310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2454% | 1,344 |
| Cost of funding earning assets | 2.5484% | 1,456 |
| Net interest margin | 3.6970% | 3,959 |
| Noninterest income to average assets | 0.3088% | 6,040 |
| Noninterest expense to average assets | 2.0695% | 7,335 |
| Loan and lease loss provision to assets | 0.5416% | 2,862 |
| Net operating income to assets | 1.2560% | 1,340 |
| Return on assets (ROA) | 1.2560% | 1,417 |
| Pretax return on assets | 1.2583% | 2,135 |
| Return on Equity (ROE) | 12.5644% | 1,269 |
| Retained earnings to average equity (ytd only) | 8.5530% | 1,054 |
| Net charge-offs to loans | 0.0976% | 5,193 |
| Credit loss provision to net charge-offs | 810.3448% | 582 |
| Earnings coverage of net charge-offs (x) | 26.9310% | 1,069 |
| Efficiency ratio | 53.4842% | 7,384 |
| Assets per employee ($millions) | 5.3619% | 1,706 |
| Cash dividends to net income (ytd only)* | 31.9266% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2593% | 1,154 |
| Loan loss allowance to noncurrent loans | 51.3168% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 3.2276% | 1,941 |
| Noncurrent loans to loans | 4.4027% | 1,471 |
| Net loans and leases to total assets | 66.8155% | 4,397 |
| Net loans and leases to deposits | 74.8150% | 5,343 |
| Net loans and leases to core deposits | 86.8724% | 5,820 |
| Total domestic deposits to total assets | 89.3076% | 1,122 |
| Equity capital to assets | 10.3532% | 3,560 |
| Core capital (leverage) ratio | 9.9729% | 3,323 |
| Tier 1 risk-based capital ratio | 13.3288% | 3,916 |
| Total risk-based capital ratio | 14.5892% | 3,844 |
| Memoranda: | ||
| Average total assets | $86,783,000 | 5,561 |
| Average earning assets | $83,581,330 | 5,429 |
| Average equity | $8,675,330 | 5,784 |
| Average total loans | $59,407,330 | 5,358 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2659% | 1,397 |
| Cost of funding earning assets | 2.5159% | 1,857 |
| Net interest margin | 3.7500% | 3,656 |
| Noninterest income to average assets | 0.2750% | 6,230 |
| Noninterest expense to average assets | 1.8699% | 7,610 |
| Loan and lease loss provision to assets | 0.1375% | 5,204 |
| Net operating income to assets | 1.8699% | 459 |
| Return on assets (ROA) | 1.8699% | 513 |
| Pretax return on assets | 1.8744% | 848 |
| Return on Equity (ROE) | 19.0387% | 502 |
| Retained earnings to average equity (ytd only) | 19.0387% | 195 |
| Net charge-offs to loans | 0.0268% | 5,156 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 109.7500% | 398 |
| Efficiency ratio | 48.1700% | 7,722 |
| Assets per employee ($millions) | 5.4641% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 1,590 |
| Loan loss allowance to noncurrent loans | 93.3170% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 3,494 |
| Noncurrent loans to loans | 2.0520% | 3,193 |
| Net loans and leases to total assets | 67.0872% | 4,323 |
| Net loans and leases to deposits | 77.4005% | 5,028 |
| Net loans and leases to core deposits | 89.6969% | 5,587 |
| Total domestic deposits to total assets | 86.6754% | 2,370 |
| Equity capital to assets | 10.1744% | 3,790 |
| Core capital (leverage) ratio | 10.0159% | 3,390 |
| Tier 1 risk-based capital ratio | 12.9725% | 4,197 |
| Total risk-based capital ratio | 14.2281% | 4,119 |
| Memoranda: | ||
| Average total assets | $87,279,500 | 5,576 |
| Average earning assets | $83,946,000 | 5,428 |
| Average equity | $8,572,000 | 5,857 |
| Average total loans | $59,788,000 | 5,369 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6698% | 2,154 |
| Cost of funding earning assets | 3.0602% | 1,640 |
| Net interest margin | 3.6096% | 4,838 |
| Noninterest income to average assets | 0.3366% | 6,047 |
| Noninterest expense to average assets | 2.2555% | 6,819 |
| Loan and lease loss provision to assets | 0.2456% | 4,456 |
| Net operating income to assets | 1.3179% | 1,433 |
| Return on assets (ROA) | 0.9294% | 2,733 |
| Pretax return on assets | 0.9305% | 3,616 |
| Return on Equity (ROE) | 9.8787% | 2,303 |
| Retained earnings to average equity (ytd only) | 2.3975% | 3,708 |
| Net charge-offs to loans | 0.3833% | 2,910 |
| Credit loss provision to net charge-offs | 91.2281% | 5,651 |
| Earnings coverage of net charge-offs (x) | 5.8114% | 3,525 |
| Efficiency ratio | 59.0417% | 6,521 |
| Assets per employee ($millions) | 5.4459% | 1,499 |
| Cash dividends to net income (ytd only)* | 75.7306% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 1,481 |
| Loan loss allowance to noncurrent loans | 89.5917% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6480% | 2,945 |
| Noncurrent loans to loans | 2.0893% | 2,646 |
| Net loans and leases to total assets | 67.3227% | 4,585 |
| Net loans and leases to deposits | 78.4889% | 5,271 |
| Net loans and leases to core deposits | 90.7026% | 5,745 |
| Total domestic deposits to total assets | 85.7736% | 2,508 |
| Equity capital to assets | 9.4670% | 4,737 |
| Core capital (leverage) ratio | 9.7930% | 3,653 |
| Tier 1 risk-based capital ratio | 12.3208% | 4,570 |
| Total risk-based capital ratio | 13.5763% | 4,452 |
| Memoranda: | ||
| Average total assets | $84,682,200 | 5,530 |
| Average earning assets | $81,726,200 | 5,383 |
| Average equity | $7,966,600 | 6,095 |
| Average total loans | $59,478,400 | 5,290 |