Home > State Savings Bank > Performance and Condition Ratios
State Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5800% | 2,944 |
| Cost of funding earning assets | 1.3109% | 2,485 |
| Net interest margin | 3.2691% | 2,709 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.7398% | 4,082 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | 1.0502% | 2,063 |
| Return on assets (ROA) | 1.0502% | 2,035 |
| Pretax return on assets | 1.1085% | 2,391 |
| Return on Equity (ROE) | 9.1500% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.7998% | 1,956 |
| Net charge-offs to loans | 0.0706% | 1,144 |
| Credit loss provision to net charge-offs | 660.3774% | 552 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,777 |
| Efficiency ratio | 40.3641% | 4,354 |
| Assets per employee ($millions) | 6.6512% | 2,301 |
| Cash dividends to net income (ytd only)* | 25.7012% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3746% | 4,396 |
| Loan loss allowance to noncurrent loans | 167.6056% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,197 |
| Noncurrent loans to loans | 0.2235% | 2,429 |
| Net loans and leases to total assets | 91.5000% | 22 |
| Net loans and leases to deposits | 105.3695% | 310 |
| Net loans and leases to core deposits | 115.5399% | 761 |
| Total domestic deposits to total assets | 86.8300% | 1,738 |
| Equity capital to assets | 12.7351% | 928 |
| Core capital (leverage) ratio | 10.2187% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $166,344,600 | 3,221 |
| Average earning assets | $155,853,000 | 3,203 |
| Average equity | $19,088,800 | 2,934 |
| Average total loans | $150,188,400 | 2,677 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 4,083 |
| Cost of funding earning assets | 1.0114% | 3,000 |
| Net interest margin | 2.8213% | 3,696 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.3859% | 4,409 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.0475% | 2,225 |
| Return on assets (ROA) | 1.0475% | 2,214 |
| Pretax return on assets | 1.0969% | 2,572 |
| Return on Equity (ROE) | 9.4000% | 2,825 |
| Retained earnings to average equity (ytd only) | 9.3994% | 1,575 |
| Net charge-offs to loans | 0.0901% | 849 |
| Credit loss provision to net charge-offs | 400.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 17.5500% | 1,900 |
| Efficiency ratio | 35.7081% | 4,450 |
| Assets per employee ($millions) | 6.4637% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1930% | 4,467 |
| Loan loss allowance to noncurrent loans | 127.0042% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 2,657 |
| Noncurrent loans to loans | 0.1520% | 2,793 |
| Net loans and leases to total assets | 89.1900% | 51 |
| Net loans and leases to deposits | 108.1759% | 240 |
| Net loans and leases to core deposits | 114.7729% | 700 |
| Total domestic deposits to total assets | 82.4500% | 3,135 |
| Equity capital to assets | 12.6169% | 888 |
| Core capital (leverage) ratio | 10.2082% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $164,697,750 | 3,242 |
| Average earning assets | $154,628,250 | 3,219 |
| Average equity | $18,355,250 | 2,975 |
| Average total loans | $148,030,500 | 2,698 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3347% | 4,621 |
| Cost of funding earning assets | 0.5480% | 3,887 |
| Net interest margin | 1.7868% | 4,540 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 0.9602% | 4,556 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.5885% | 3,607 |
| Return on assets (ROA) | 0.5885% | 3,613 |
| Pretax return on assets | 0.6182% | 3,764 |
| Return on Equity (ROE) | 5.5400% | 3,789 |
| Retained earnings to average equity (ytd only) | 5.5445% | 2,766 |
| Net charge-offs to loans | 0.0867% | 746 |
| Credit loss provision to net charge-offs | 253.9683% | 949 |
| Earnings coverage of net charge-offs (x) | 10.4603% | 1,992 |
| Efficiency ratio | 36.6806% | 4,461 |
| Assets per employee ($millions) | 6.1047% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0644% | 4,514 |
| Loan loss allowance to noncurrent loans | 43.6937% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 2,640 |
| Noncurrent loans to loans | 0.1475% | 2,729 |
| Net loans and leases to total assets | 88.0100% | 80 |
| Net loans and leases to deposits | 109.5335% | 212 |
| Net loans and leases to core deposits | 115.0187% | 653 |
| Total domestic deposits to total assets | 80.3500% | 3,524 |
| Equity capital to assets | 12.4026% | 952 |
| Core capital (leverage) ratio | 9.9911% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $161,423,667 | 3,278 |
| Average earning assets | $152,565,000 | 3,249 |
| Average equity | $17,134,000 | 3,093 |
| Average total loans | $145,386,000 | 2,710 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 919 |
| Cost of funding earning assets | 1.0615% | 1,854 |
| Net interest margin | 4.1639% | 1,001 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.9532% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3055% | 316 |
| Return on assets (ROA) | 2.3055% | 316 |
| Pretax return on assets | 2.3821% | 424 |
| Return on Equity (ROE) | 23.9200% | 458 |
| Retained earnings to average equity (ytd only) | 5.2977% | 2,952 |
| Net charge-offs to loans | -0.0112% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.0530% | 4,264 |
| Assets per employee ($millions) | 5.4792% | 3,237 |
| Cash dividends to net income (ytd only)* | 77.8516% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,340 |
| Loan loss allowance to noncurrent loans | 1,033.1429% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 2,754 |
| Noncurrent loans to loans | 0.1199% | 2,913 |
| Net loans and leases to total assets | 90.7400% | 29 |
| Net loans and leases to deposits | 103.1678% | 327 |
| Net loans and leases to core deposits | 108.4282% | 745 |
| Total domestic deposits to total assets | 87.9500% | 1,943 |
| Equity capital to assets | 9.5679% | 2,088 |
| Core capital (leverage) ratio | 9.5461% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $156,669,500 | 3,370 |
| Average earning assets | $151,108,000 | 3,309 |
| Average equity | $15,101,000 | 3,298 |
| Average total loans | $142,810,000 | 2,773 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 1,029 |
| Cost of funding earning assets | 0.4822% | 1,514 |
| Net interest margin | 3.8286% | 1,105 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.0759% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8424% | 394 |
| Return on assets (ROA) | 1.7449% | 467 |
| Pretax return on assets | 1.8307% | 678 |
| Return on Equity (ROE) | 18.3400% | 655 |
| Retained earnings to average equity (ytd only) | 4.0156% | 3,392 |
| Net charge-offs to loans | 0.0123% | 1,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 187.2500% | 684 |
| Efficiency ratio | 51.7785% | 3,999 |
| Assets per employee ($millions) | 5.9401% | 2,822 |
| Cash dividends to net income (ytd only)* | 78.1065% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 1,938 |
| Loan loss allowance to noncurrent loans | 780.9524% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 2,495 |
| Noncurrent loans to loans | 0.1654% | 2,658 |
| Net loans and leases to total assets | 89.2400% | 45 |
| Net loans and leases to deposits | 100.9152% | 406 |
| Net loans and leases to core deposits | 105.4302% | 768 |
| Total domestic deposits to total assets | 88.4300% | 1,926 |
| Equity capital to assets | 9.7117% | 1,881 |
| Core capital (leverage) ratio | 9.5979% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $154,967,000 | 3,392 |
| Average earning assets | $148,698,000 | 3,336 |
| Average equity | $14,742,600 | 3,389 |
| Average total loans | $130,079,400 | 2,827 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 1,100 |
| Cost of funding earning assets | 0.4246% | 1,124 |
| Net interest margin | 3.6548% | 1,258 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.8156% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9327% | 324 |
| Return on assets (ROA) | 1.8001% | 420 |
| Pretax return on assets | 1.8629% | 642 |
| Return on Equity (ROE) | 19.0200% | 526 |
| Retained earnings to average equity (ytd only) | 0.3724% | 4,286 |
| Net charge-offs to loans | 0.0157% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 155.0667% | 732 |
| Efficiency ratio | 47.5890% | 4,298 |
| Assets per employee ($millions) | 5.6308% | 3,097 |
| Cash dividends to net income (ytd only)* | 98.0420% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 1,977 |
| Loan loss allowance to noncurrent loans | 902.5000% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 2,723 |
| Noncurrent loans to loans | 0.1454% | 2,890 |
| Net loans and leases to total assets | 86.1100% | 112 |
| Net loans and leases to deposits | 95.2506% | 587 |
| Net loans and leases to core deposits | 99.5286% | 833 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 9.1640% | 2,108 |
| Core capital (leverage) ratio | 9.1870% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $155,098,000 | 3,417 |
| Average earning assets | $148,514,750 | 3,363 |
| Average equity | $14,678,500 | 3,444 |
| Average total loans | $127,690,750 | 2,849 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 1,201 |
| Cost of funding earning assets | 0.4011% | 909 |
| Net interest margin | 3.4521% | 1,447 |
| Noninterest income to average assets | 0.3242% | 3,232 |
| Noninterest expense to average assets | 1.8049% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7414% | 387 |
| Return on assets (ROA) | 1.7414% | 381 |
| Pretax return on assets | 1.8335% | 549 |
| Return on Equity (ROE) | 18.2036% | 449 |
| Retained earnings to average equity (ytd only) | 5.4760% | 2,528 |
| Net charge-offs to loans | 0.0305% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 74.4211% | 970 |
| Efficiency ratio | 49.6080% | 4,273 |
| Assets per employee ($millions) | 5.9924% | 2,753 |
| Cash dividends to net income (ytd only)* | 69.9181% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 1,842 |
| Loan loss allowance to noncurrent loans | 1,041.0405% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 2,928 |
| Noncurrent loans to loans | 0.1325% | 3,051 |
| Net loans and leases to total assets | 82.6659% | 257 |
| Net loans and leases to deposits | 91.8011% | 618 |
| Net loans and leases to core deposits | 96.1688% | 823 |
| Total domestic deposits to total assets | 90.0490% | 1,694 |
| Equity capital to assets | 9.5062% | 2,010 |
| Core capital (leverage) ratio | 9.4786% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,243,667 | 3,457 |
| Average earning assets | $148,084,667 | 3,412 |
| Average equity | $14,755,333 | 3,519 |
| Average total loans | $124,401,000 | 2,901 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 1,351 |
| Cost of funding earning assets | 0.3993% | 875 |
| Net interest margin | 3.2679% | 1,659 |
| Noninterest income to average assets | 0.3284% | 3,136 |
| Noninterest expense to average assets | 1.6864% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6708% | 435 |
| Return on assets (ROA) | 1.6708% | 437 |
| Pretax return on assets | 1.7776% | 573 |
| Return on Equity (ROE) | 17.4096% | 378 |
| Retained earnings to average equity (ytd only) | 17.4096% | 159 |
| Net charge-offs to loans | 0.0363% | 935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 842 |
| Efficiency ratio | 48.6832% | 4,369 |
| Assets per employee ($millions) | 6.0843% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 1,586 |
| Loan loss allowance to noncurrent loans | 283.6735% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 1,498 |
| Noncurrent loans to loans | 0.5248% | 1,718 |
| Net loans and leases to total assets | 75.5917% | 534 |
| Net loans and leases to deposits | 83.9246% | 885 |
| Net loans and leases to core deposits | 87.8444% | 1,028 |
| Total domestic deposits to total assets | 90.0709% | 1,523 |
| Equity capital to assets | 9.5125% | 2,270 |
| Core capital (leverage) ratio | 9.7574% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,464,000 | 3,482 |
| Average earning assets | $147,249,000 | 3,437 |
| Average equity | $14,727,500 | 3,588 |
| Average total loans | $121,303,000 | 2,933 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 1,724 |
| Cost of funding earning assets | 0.5332% | 777 |
| Net interest margin | 3.3269% | 2,244 |
| Noninterest income to average assets | 1.1451% | 802 |
| Noninterest expense to average assets | 2.0576% | 3,509 |
| Loan and lease loss provision to assets | 0.0814% | 1,503 |
| Net operating income to assets | 2.1207% | 275 |
| Return on assets (ROA) | 2.1207% | 294 |
| Pretax return on assets | 2.1959% | 416 |
| Return on Equity (ROE) | 22.5630% | 198 |
| Retained earnings to average equity (ytd only) | 11.7936% | 564 |
| Net charge-offs to loans | -0.1529% | 4,667 |
| Credit loss provision to net charge-offs | -67.0391% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4664% | 4,441 |
| Assets per employee ($millions) | 5.7206% | 3,033 |
| Cash dividends to net income (ytd only)* | 47.7302% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,553 |
| Loan loss allowance to noncurrent loans | 294.3366% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 1,576 |
| Noncurrent loans to loans | 0.5098% | 1,847 |
| Net loans and leases to total assets | 80.2765% | 255 |
| Net loans and leases to deposits | 89.3539% | 589 |
| Net loans and leases to core deposits | 94.2629% | 767 |
| Total domestic deposits to total assets | 89.8411% | 1,037 |
| Equity capital to assets | 9.6863% | 2,957 |
| Core capital (leverage) ratio | 9.6219% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,499,000 | 3,511 |
| Average earning assets | $141,421,600 | 3,459 |
| Average equity | $13,863,400 | 3,753 |
| Average total loans | $117,043,400 | 2,975 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8494% | 1,916 |
| Cost of funding earning assets | 0.5627% | 777 |
| Net interest margin | 3.2866% | 2,457 |
| Noninterest income to average assets | 1.3896% | 618 |
| Noninterest expense to average assets | 1.8932% | 3,962 |
| Loan and lease loss provision to assets | 0.0815% | 1,451 |
| Net operating income to assets | 2.5083% | 213 |
| Return on assets (ROA) | 2.5083% | 216 |
| Pretax return on assets | 2.5626% | 302 |
| Return on Equity (ROE) | 26.8942% | 130 |
| Retained earnings to average equity (ytd only) | 12.3836% | 754 |
| Net charge-offs to loans | -0.1897% | 4,764 |
| Credit loss provision to net charge-offs | -54.5455% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7249% | 4,670 |
| Assets per employee ($millions) | 5.5040% | 3,203 |
| Cash dividends to net income (ytd only)* | 53.9545% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,577 |
| Loan loss allowance to noncurrent loans | 574.4337% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 2,746 |
| Noncurrent loans to loans | 0.2638% | 2,871 |
| Net loans and leases to total assets | 77.6398% | 420 |
| Net loans and leases to deposits | 86.1352% | 821 |
| Net loans and leases to core deposits | 90.8782% | 988 |
| Total domestic deposits to total assets | 90.1371% | 711 |
| Equity capital to assets | 9.4524% | 3,419 |
| Core capital (leverage) ratio | 9.4978% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,189,750 | 3,544 |
| Average earning assets | $140,971,500 | 3,501 |
| Average equity | $13,727,500 | 3,813 |
| Average total loans | $115,999,500 | 3,029 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 1,935 |
| Cost of funding earning assets | 0.6004% | 745 |
| Net interest margin | 3.2553% | 2,597 |
| Noninterest income to average assets | 1.9234% | 353 |
| Noninterest expense to average assets | 1.9616% | 3,804 |
| Loan and lease loss provision to assets | 0.0818% | 1,489 |
| Net operating income to assets | 2.9867% | 132 |
| Return on assets (ROA) | 2.9867% | 139 |
| Pretax return on assets | 2.9990% | 192 |
| Return on Equity (ROE) | 32.1709% | 78 |
| Retained earnings to average equity (ytd only) | 20.1307% | 154 |
| Net charge-offs to loans | -0.2889% | 4,838 |
| Credit loss provision to net charge-offs | -35.9281% | 2,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9024% | 4,777 |
| Assets per employee ($millions) | 5.1151% | 3,545 |
| Cash dividends to net income (ytd only)* | 37.4258% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,644 |
| Loan loss allowance to noncurrent loans | 3,882.2222% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 4,049 |
| Noncurrent loans to loans | 0.0382% | 4,007 |
| Net loans and leases to total assets | 78.1575% | 436 |
| Net loans and leases to deposits | 86.8046% | 859 |
| Net loans and leases to core deposits | 92.1826% | 995 |
| Total domestic deposits to total assets | 90.0384% | 758 |
| Equity capital to assets | 9.5342% | 3,302 |
| Core capital (leverage) ratio | 9.3574% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,717,000 | 3,552 |
| Average earning assets | $140,570,667 | 3,508 |
| Average equity | $13,621,000 | 3,827 |
| Average total loans | $115,614,667 | 3,046 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8807% | 1,879 |
| Cost of funding earning assets | 0.6463% | 714 |
| Net interest margin | 3.2344% | 2,588 |
| Noninterest income to average assets | 1.9602% | 391 |
| Noninterest expense to average assets | 1.7354% | 4,313 |
| Loan and lease loss provision to assets | 0.0822% | 1,576 |
| Net operating income to assets | 3.2240% | 127 |
| Return on assets (ROA) | 3.2240% | 139 |
| Pretax return on assets | 3.2569% | 180 |
| Return on Equity (ROE) | 35.2096% | 85 |
| Retained earnings to average equity (ytd only) | 35.2096% | 55 |
| Net charge-offs to loans | -0.2688% | 4,834 |
| Credit loss provision to net charge-offs | -38.9610% | 2,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1977% | 4,869 |
| Assets per employee ($millions) | 5.2666% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,889 |
| Loan loss allowance to noncurrent loans | 593.7956% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 3,275 |
| Noncurrent loans to loans | 0.2385% | 3,247 |
| Net loans and leases to total assets | 74.1688% | 799 |
| Net loans and leases to deposits | 82.0029% | 1,334 |
| Net loans and leases to core deposits | 86.7014% | 1,474 |
| Total domestic deposits to total assets | 90.4465% | 605 |
| Equity capital to assets | 9.1325% | 3,560 |
| Core capital (leverage) ratio | 9.5655% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,906,000 | 3,568 |
| Average earning assets | $140,490,000 | 3,513 |
| Average equity | $13,360,000 | 3,862 |
| Average total loans | $114,579,500 | 3,067 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 1,093 |
| Cost of funding earning assets | 0.9877% | 617 |
| Net interest margin | 3.6143% | 2,093 |
| Noninterest income to average assets | 0.5317% | 2,504 |
| Noninterest expense to average assets | 2.1977% | 3,670 |
| Loan and lease loss provision to assets | 0.1810% | 2,132 |
| Net operating income to assets | 1.5363% | 733 |
| Return on assets (ROA) | 1.5363% | 797 |
| Pretax return on assets | 1.6275% | 1,010 |
| Return on Equity (ROE) | 16.2368% | 476 |
| Retained earnings to average equity (ytd only) | 4.1847% | 2,722 |
| Net charge-offs to loans | 0.0532% | 2,028 |
| Credit loss provision to net charge-offs | 400.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 39.9667% | 1,392 |
| Efficiency ratio | 54.8569% | 4,106 |
| Assets per employee ($millions) | 5.1512% | 3,228 |
| Cash dividends to net income (ytd only)* | 74.2268% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 2,274 |
| Loan loss allowance to noncurrent loans | 204.5760% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 1,962 |
| Noncurrent loans to loans | 0.6503% | 2,053 |
| Net loans and leases to total assets | 81.0558% | 360 |
| Net loans and leases to deposits | 89.7264% | 945 |
| Net loans and leases to core deposits | 95.3522% | 1,158 |
| Total domestic deposits to total assets | 90.3366% | 437 |
| Equity capital to assets | 9.1831% | 3,905 |
| Core capital (leverage) ratio | 9.1383% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,592,800 | 3,600 |
| Average earning assets | $127,467,600 | 3,540 |
| Average equity | $12,545,600 | 3,913 |
| Average total loans | $112,885,800 | 3,055 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 1,042 |
| Cost of funding earning assets | 1.0477% | 646 |
| Net interest margin | 3.6631% | 2,050 |
| Noninterest income to average assets | 0.5803% | 2,251 |
| Noninterest expense to average assets | 2.0238% | 4,097 |
| Loan and lease loss provision to assets | 0.2138% | 1,881 |
| Net operating income to assets | 1.7703% | 486 |
| Return on assets (ROA) | 1.7703% | 542 |
| Pretax return on assets | 1.8630% | 689 |
| Return on Equity (ROE) | 18.5652% | 318 |
| Retained earnings to average equity (ytd only) | 2.4127% | 3,779 |
| Net charge-offs to loans | -0.0687% | 4,754 |
| Credit loss provision to net charge-offs | -362.0690% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3545% | 4,534 |
| Assets per employee ($millions) | 4.8636% | 3,415 |
| Cash dividends to net income (ytd only)* | 87.0040% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,714 |
| Loan loss allowance to noncurrent loans | 195.6204% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 1,919 |
| Noncurrent loans to loans | 0.7184% | 2,002 |
| Net loans and leases to total assets | 82.8375% | 377 |
| Net loans and leases to deposits | 91.6550% | 1,104 |
| Net loans and leases to core deposits | 97.5089% | 1,343 |
| Total domestic deposits to total assets | 90.3797% | 314 |
| Equity capital to assets | 9.1591% | 3,990 |
| Core capital (leverage) ratio | 9.3715% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,970,500 | 3,605 |
| Average earning assets | $125,865,500 | 3,539 |
| Average equity | $12,489,000 | 3,923 |
| Average total loans | $112,543,750 | 3,072 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 1,147 |
| Cost of funding earning assets | 1.1226% | 665 |
| Net interest margin | 3.6877% | 2,214 |
| Noninterest income to average assets | 0.6763% | 1,824 |
| Noninterest expense to average assets | 2.0861% | 4,061 |
| Loan and lease loss provision to assets | 0.1857% | 2,164 |
| Net operating income to assets | 1.8586% | 446 |
| Return on assets (ROA) | 1.8586% | 489 |
| Pretax return on assets | 1.9531% | 606 |
| Return on Equity (ROE) | 19.2247% | 287 |
| Retained earnings to average equity (ytd only) | 10.7249% | 651 |
| Net charge-offs to loans | -0.1019% | 4,854 |
| Credit loss provision to net charge-offs | -210.5263% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3773% | 4,540 |
| Assets per employee ($millions) | 4.5884% | 3,666 |
| Cash dividends to net income (ytd only)* | 44.2132% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,784 |
| Loan loss allowance to noncurrent loans | 118.7940% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 1,259 |
| Noncurrent loans to loans | 1.1351% | 1,384 |
| Net loans and leases to total assets | 83.4101% | 301 |
| Net loans and leases to deposits | 92.9065% | 1,060 |
| Net loans and leases to core deposits | 98.7886% | 1,351 |
| Total domestic deposits to total assets | 89.7785% | 467 |
| Equity capital to assets | 9.7074% | 3,468 |
| Core capital (leverage) ratio | 9.7638% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,233,667 | 3,605 |
| Average earning assets | $124,359,667 | 3,542 |
| Average equity | $12,494,333 | 3,927 |
| Average total loans | $111,919,333 | 3,071 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1223% | 764 |
| Cost of funding earning assets | 1.1954% | 786 |
| Net interest margin | 3.9269% | 1,589 |
| Noninterest income to average assets | 0.4273% | 2,925 |
| Noninterest expense to average assets | 2.0641% | 4,285 |
| Loan and lease loss provision to assets | 0.1414% | 1,973 |
| Net operating income to assets | 1.8913% | 340 |
| Return on assets (ROA) | 1.8913% | 373 |
| Pretax return on assets | 1.9887% | 455 |
| Return on Equity (ROE) | 19.6043% | 181 |
| Retained earnings to average equity (ytd only) | 2.3121% | 3,330 |
| Net charge-offs to loans | -0.2078% | 4,943 |
| Credit loss provision to net charge-offs | -77.5862% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2135% | 4,704 |
| Assets per employee ($millions) | 4.6188% | 3,100 |
| Cash dividends to net income (ytd only)* | 88.2060% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,084 |
| Loan loss allowance to noncurrent loans | 159.2715% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 1,909 |
| Noncurrent loans to loans | 0.8241% | 1,956 |
| Net loans and leases to total assets | 83.8935% | 271 |
| Net loans and leases to deposits | 93.2762% | 1,152 |
| Net loans and leases to core deposits | 99.1501% | 1,539 |
| Total domestic deposits to total assets | 89.9410% | 341 |
| Equity capital to assets | 9.5247% | 4,198 |
| Core capital (leverage) ratio | 9.7130% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,319,000 | 3,614 |
| Average earning assets | $122,132,500 | 3,546 |
| Average equity | $12,283,000 | 3,965 |
| Average total loans | $111,626,500 | 3,063 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 996 |
| Cost of funding earning assets | 1.1910% | 1,042 |
| Net interest margin | 4.0084% | 1,828 |
| Noninterest income to average assets | 0.3813% | 3,409 |
| Noninterest expense to average assets | 2.2682% | 4,031 |
| Loan and lease loss provision to assets | 0.1476% | 1,451 |
| Net operating income to assets | 1.6983% | 661 |
| Return on assets (ROA) | 1.6983% | 704 |
| Pretax return on assets | 1.7991% | 941 |
| Return on Equity (ROE) | 17.5455% | 373 |
| Retained earnings to average equity (ytd only) | 3.1939% | 3,425 |
| Net charge-offs to loans | 0.1100% | 1,631 |
| Credit loss provision to net charge-offs | 147.5410% | 1,744 |
| Earnings coverage of net charge-offs (x) | 19.4590% | 1,996 |
| Efficiency ratio | 53.8132% | 4,439 |
| Assets per employee ($millions) | 4.4754% | 3,265 |
| Cash dividends to net income (ytd only)* | 81.7962% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 2,527 |
| Loan loss allowance to noncurrent loans | 97.5965% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 1,115 |
| Noncurrent loans to loans | 1.2117% | 1,241 |
| Net loans and leases to total assets | 89.3561% | 55 |
| Net loans and leases to deposits | 99.6795% | 626 |
| Net loans and leases to core deposits | 105.7207% | 1,123 |
| Total domestic deposits to total assets | 89.6434% | 450 |
| Equity capital to assets | 9.7741% | 4,130 |
| Core capital (leverage) ratio | 9.6446% | 3,908 |
| Tier 1 risk-based capital ratio | 11.4148% | 4,673 |
| Total risk-based capital ratio | 12.6637% | 4,549 |
| Memoranda: | ||
| Average total assets | $121,948,400 | 3,666 |
| Average earning assets | $116,629,200 | 3,610 |
| Average equity | $11,803,600 | 4,022 |
| Average total loans | $110,882,800 | 3,072 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 1,071 |
| Cost of funding earning assets | 1.1637% | 1,129 |
| Net interest margin | 4.0211% | 1,866 |
| Noninterest income to average assets | 0.3787% | 3,442 |
| Noninterest expense to average assets | 2.0862% | 4,387 |
| Loan and lease loss provision to assets | 0.1486% | 1,280 |
| Net operating income to assets | 1.8837% | 514 |
| Return on assets (ROA) | 1.8837% | 533 |
| Pretax return on assets | 1.9861% | 711 |
| Return on Equity (ROE) | 19.5106% | 280 |
| Retained earnings to average equity (ytd only) | 0.2053% | 4,723 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4262% | 4,775 |
| Assets per employee ($millions) | 4.4542% | 3,280 |
| Cash dividends to net income (ytd only)* | 98.9480% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,114 |
| Loan loss allowance to noncurrent loans | 77.3472% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.4689% | 772 |
| Noncurrent loans to loans | 1.6428% | 891 |
| Net loans and leases to total assets | 88.2815% | 81 |
| Net loans and leases to deposits | 98.1205% | 810 |
| Net loans and leases to core deposits | 103.5397% | 1,368 |
| Total domestic deposits to total assets | 89.9725% | 294 |
| Equity capital to assets | 9.5320% | 4,426 |
| Core capital (leverage) ratio | 9.8304% | 3,808 |
| Tier 1 risk-based capital ratio | 10.9781% | 4,918 |
| Total risk-based capital ratio | 12.2285% | 4,804 |
| Memoranda: | ||
| Average total assets | $121,107,750 | 3,720 |
| Average earning assets | $115,720,750 | 3,657 |
| Average equity | $11,692,500 | 4,074 |
| Average total loans | $110,275,250 | 3,118 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 1,099 |
| Cost of funding earning assets | 1.1079% | 1,269 |
| Net interest margin | 4.0442% | 1,788 |
| Noninterest income to average assets | 0.3820% | 3,388 |
| Noninterest expense to average assets | 2.0366% | 4,541 |
| Loan and lease loss provision to assets | 0.1501% | 1,220 |
| Net operating income to assets | 1.9566% | 416 |
| Return on assets (ROA) | 1.9566% | 440 |
| Pretax return on assets | 2.0616% | 605 |
| Return on Equity (ROE) | 20.1766% | 245 |
| Retained earnings to average equity (ytd only) | -8.9616% | 5,156 |
| Net charge-offs to loans | 0.0455% | 2,001 |
| Credit loss provision to net charge-offs | 360.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 53.0400% | 1,056 |
| Efficiency ratio | 47.9388% | 4,904 |
| Assets per employee ($millions) | 4.1010% | 3,729 |
| Cash dividends to net income (ytd only)* | 144.4160% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,422 |
| Loan loss allowance to noncurrent loans | 50.6963% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.3089% | 347 |
| Noncurrent loans to loans | 2.4058% | 508 |
| Net loans and leases to total assets | 91.7304% | 23 |
| Net loans and leases to deposits | 101.9713% | 541 |
| Net loans and leases to core deposits | 109.2359% | 1,020 |
| Total domestic deposits to total assets | 89.9571% | 344 |
| Equity capital to assets | 9.5426% | 4,365 |
| Core capital (leverage) ratio | 9.4849% | 4,157 |
| Tier 1 risk-based capital ratio | 10.9160% | 4,953 |
| Total risk-based capital ratio | 12.1664% | 4,863 |
| Memoranda: | ||
| Average total assets | $119,904,670 | 3,764 |
| Average earning assets | $114,634,670 | 3,696 |
| Average equity | $11,627,330 | 4,096 |
| Average total loans | $109,860,670 | 3,140 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 1,084 |
| Cost of funding earning assets | 0.9827% | 1,641 |
| Net interest margin | 4.1261% | 1,487 |
| Noninterest income to average assets | 0.3555% | 3,478 |
| Noninterest expense to average assets | 2.1164% | 4,437 |
| Loan and lease loss provision to assets | 0.1495% | 1,128 |
| Net operating income to assets | 1.9137% | 449 |
| Return on assets (ROA) | 1.9137% | 465 |
| Pretax return on assets | 2.0234% | 618 |
| Return on Equity (ROE) | 19.5810% | 288 |
| Retained earnings to average equity (ytd only) | -7.0369% | 5,008 |
| Net charge-offs to loans | -0.0913% | 5,003 |
| Credit loss provision to net charge-offs | -180.0000% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3416% | 4,868 |
| Assets per employee ($millions) | 4.3745% | 3,369 |
| Cash dividends to net income (ytd only)* | 135.9375% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,420 |
| Loan loss allowance to noncurrent loans | 359.5745% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 3,069 |
| Noncurrent loans to loans | 0.3425% | 3,350 |
| Net loans and leases to total assets | 88.5229% | 85 |
| Net loans and leases to deposits | 98.3322% | 761 |
| Net loans and leases to core deposits | 103.9727% | 1,319 |
| Total domestic deposits to total assets | 90.0242% | 438 |
| Equity capital to assets | 9.5218% | 4,240 |
| Core capital (leverage) ratio | 9.9098% | 3,699 |
| Tier 1 risk-based capital ratio | 11.0600% | 4,948 |
| Total risk-based capital ratio | 12.3108% | 4,851 |
| Memoranda: | ||
| Average total assets | $120,392,000 | 3,796 |
| Average earning assets | $114,781,500 | 3,733 |
| Average equity | $11,766,500 | 4,094 |
| Average total loans | $109,570,000 | 3,177 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 949 |
| Cost of funding earning assets | 0.7811% | 1,634 |
| Net interest margin | 4.2647% | 1,240 |
| Noninterest income to average assets | 0.4358% | 3,197 |
| Noninterest expense to average assets | 2.3293% | 4,048 |
| Loan and lease loss provision to assets | 0.1566% | 1,332 |
| Net operating income to assets | 1.9092% | 434 |
| Return on assets (ROA) | 1.9092% | 429 |
| Pretax return on assets | 2.0101% | 555 |
| Return on Equity (ROE) | 19.4478% | 289 |
| Retained earnings to average equity (ytd only) | 5.5730% | 2,437 |
| Net charge-offs to loans | 0.0302% | 2,796 |
| Credit loss provision to net charge-offs | 562.5000% | 624 |
| Earnings coverage of net charge-offs (x) | 77.8438% | 871 |
| Efficiency ratio | 51.8089% | 4,811 |
| Assets per employee ($millions) | 4.3814% | 3,330 |
| Cash dividends to net income (ytd only)* | 71.3440% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 2,711 |
| Loan loss allowance to noncurrent loans | 4,006.2500% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 3,914 |
| Noncurrent loans to loans | 0.0293% | 4,638 |
| Net loans and leases to total assets | 91.3607% | 35 |
| Net loans and leases to deposits | 102.1502% | 579 |
| Net loans and leases to core deposits | 107.1502% | 1,181 |
| Total domestic deposits to total assets | 89.4376% | 682 |
| Equity capital to assets | 10.0341% | 3,652 |
| Core capital (leverage) ratio | 10.0076% | 3,565 |
| Tier 1 risk-based capital ratio | 11.5722% | 4,685 |
| Total risk-based capital ratio | 12.8221% | 4,586 |
| Memoranda: | ||
| Average total assets | $114,971,200 | 3,875 |
| Average earning assets | $109,457,400 | 3,813 |
| Average equity | $11,286,600 | 4,117 |
| Average total loans | $106,050,200 | 3,201 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 1,005 |
| Cost of funding earning assets | 0.7344% | 1,654 |
| Net interest margin | 4.2308% | 1,285 |
| Noninterest income to average assets | 0.4357% | 3,249 |
| Noninterest expense to average assets | 2.1587% | 4,409 |
| Loan and lease loss provision to assets | 0.1577% | 1,232 |
| Net operating income to assets | 2.0524% | 338 |
| Return on assets (ROA) | 2.0524% | 337 |
| Pretax return on assets | 2.1435% | 435 |
| Return on Equity (ROE) | 21.0274% | 209 |
| Retained earnings to average equity (ytd only) | 2.2858% | 4,474 |
| Net charge-offs to loans | 0.0697% | 1,842 |
| Credit loss provision to net charge-offs | 245.4545% | 1,198 |
| Earnings coverage of net charge-offs (x) | 35.8189% | 1,441 |
| Efficiency ratio | 48.4023% | 5,033 |
| Assets per employee ($millions) | 4.4442% | 3,209 |
| Cash dividends to net income (ytd only)* | 89.1292% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,122 |
| Loan loss allowance to noncurrent loans | 1,759.4203% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 3,872 |
| Noncurrent loans to loans | 0.0632% | 4,604 |
| Net loans and leases to total assets | 93.3717% | 15 |
| Net loans and leases to deposits | 104.0927% | 542 |
| Net loans and leases to core deposits | 109.3652% | 1,074 |
| Total domestic deposits to total assets | 89.7006% | 597 |
| Equity capital to assets | 9.8936% | 3,740 |
| Core capital (leverage) ratio | 9.9640% | 3,674 |
| Tier 1 risk-based capital ratio | 11.2759% | 4,913 |
| Total risk-based capital ratio | 12.4734% | 4,833 |
| Memoranda: | ||
| Average total assets | $114,139,750 | 3,924 |
| Average earning assets | $108,566,250 | 3,866 |
| Average equity | $11,140,750 | 4,181 |
| Average total loans | $105,223,000 | 3,239 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8423% | 1,144 |
| Cost of funding earning assets | 0.6722% | 1,798 |
| Net interest margin | 4.1701% | 1,352 |
| Noninterest income to average assets | 0.4346% | 3,259 |
| Noninterest expense to average assets | 2.0568% | 4,693 |
| Loan and lease loss provision to assets | 0.1584% | 1,182 |
| Net operating income to assets | 2.0885% | 316 |
| Return on assets (ROA) | 2.0885% | 310 |
| Pretax return on assets | 2.1818% | 404 |
| Return on Equity (ROE) | 21.4965% | 184 |
| Retained earnings to average equity (ytd only) | -6.8637% | 5,355 |
| Net charge-offs to loans | 0.1039% | 1,317 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 24.6296% | 1,670 |
| Efficiency ratio | 46.7787% | 5,175 |
| Assets per employee ($millions) | 4.3346% | 3,378 |
| Cash dividends to net income (ytd only)* | 131.9292% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,270 |
| Loan loss allowance to noncurrent loans | 464.2857% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 3,180 |
| Noncurrent loans to loans | 0.2367% | 3,863 |
| Net loans and leases to total assets | 93.4383% | 12 |
| Net loans and leases to deposits | 107.0314% | 391 |
| Net loans and leases to core deposits | 111.2032% | 926 |
| Total domestic deposits to total assets | 87.2999% | 1,726 |
| Equity capital to assets | 9.6389% | 3,972 |
| Core capital (leverage) ratio | 9.7764% | 3,811 |
| Tier 1 risk-based capital ratio | 11.0941% | 5,004 |
| Total risk-based capital ratio | 12.2890% | 4,933 |
| Memoranda: | ||
| Average total assets | $113,669,670 | 3,954 |
| Average earning assets | $108,007,000 | 3,913 |
| Average equity | $11,043,670 | 4,228 |
| Average total loans | $103,929,000 | 3,265 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 1,109 |
| Cost of funding earning assets | 0.6452% | 1,748 |
| Net interest margin | 4.1418% | 1,331 |
| Noninterest income to average assets | 0.4730% | 2,979 |
| Noninterest expense to average assets | 2.1410% | 4,552 |
| Loan and lease loss provision to assets | 0.1577% | 1,146 |
| Net operating income to assets | 1.9973% | 378 |
| Return on assets (ROA) | 1.9973% | 376 |
| Pretax return on assets | 2.0884% | 476 |
| Return on Equity (ROE) | 20.4778% | 220 |
| Retained earnings to average equity (ytd only) | -7.6882% | 5,297 |
| Net charge-offs to loans | -0.0390% | 4,860 |
| Credit loss provision to net charge-offs | -450.0000% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8019% | 5,153 |
| Assets per employee ($millions) | 4.4187% | 3,295 |
| Cash dividends to net income (ytd only)* | 137.5439% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,047 |
| Loan loss allowance to noncurrent loans | 347.6608% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 2,999 |
| Noncurrent loans to loans | 0.3333% | 3,575 |
| Net loans and leases to total assets | 88.2875% | 115 |
| Net loans and leases to deposits | 98.0739% | 852 |
| Net loans and leases to core deposits | 101.6822% | 1,560 |
| Total domestic deposits to total assets | 90.0214% | 649 |
| Equity capital to assets | 9.5982% | 4,000 |
| Core capital (leverage) ratio | 9.7846% | 3,772 |
| Tier 1 risk-based capital ratio | 10.9990% | 5,131 |
| Total risk-based capital ratio | 12.1849% | 5,076 |
| Memoranda: | ||
| Average total assets | $114,154,500 | 3,990 |
| Average earning assets | $107,875,500 | 3,950 |
| Average equity | $11,134,000 | 4,259 |
| Average total loans | $102,656,000 | 3,311 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 869 |
| Cost of funding earning assets | 0.6465% | 1,317 |
| Net interest margin | 4.2152% | 1,159 |
| Noninterest income to average assets | 0.4212% | 3,495 |
| Noninterest expense to average assets | 2.3203% | 4,274 |
| Loan and lease loss provision to assets | 0.1613% | 1,387 |
| Net operating income to assets | 1.8310% | 388 |
| Return on assets (ROA) | 1.8310% | 401 |
| Pretax return on assets | 1.9367% | 565 |
| Return on Equity (ROE) | 19.1863% | 231 |
| Retained earnings to average equity (ytd only) | 5.9634% | 1,561 |
| Net charge-offs to loans | 0.1467% | 1,617 |
| Credit loss provision to net charge-offs | 119.2053% | 2,200 |
| Earnings coverage of net charge-offs (x) | 15.5033% | 2,243 |
| Efficiency ratio | 52.5152% | 5,074 |
| Assets per employee ($millions) | 4.3624% | 3,387 |
| Cash dividends to net income (ytd only)* | 68.9183% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,333 |
| Loan loss allowance to noncurrent loans | 726.9231% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 3,639 |
| Noncurrent loans to loans | 0.1519% | 4,318 |
| Net loans and leases to total assets | 89.5400% | 91 |
| Net loans and leases to deposits | 99.8231% | 742 |
| Net loans and leases to core deposits | 103.5513% | 1,442 |
| Total domestic deposits to total assets | 89.6987% | 686 |
| Equity capital to assets | 9.9107% | 3,806 |
| Core capital (leverage) ratio | 10.0243% | 3,425 |
| Tier 1 risk-based capital ratio | 11.6614% | 4,744 |
| Total risk-based capital ratio | 12.8378% | 4,687 |
| Memoranda: | ||
| Average total assets | $111,580,000 | 4,029 |
| Average earning assets | $105,808,600 | 3,988 |
| Average equity | $10,648,200 | 4,357 |
| Average total loans | $102,900,800 | 3,300 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 873 |
| Cost of funding earning assets | 0.6467% | 1,261 |
| Net interest margin | 4.1829% | 1,197 |
| Noninterest income to average assets | 0.4068% | 3,642 |
| Noninterest expense to average assets | 2.1898% | 4,545 |
| Loan and lease loss provision to assets | 0.1620% | 1,262 |
| Net operating income to assets | 1.9258% | 363 |
| Return on assets (ROA) | 1.9258% | 369 |
| Pretax return on assets | 2.0362% | 511 |
| Return on Equity (ROE) | 20.3805% | 206 |
| Retained earnings to average equity (ytd only) | 2.5015% | 4,400 |
| Net charge-offs to loans | 0.0104% | 3,356 |
| Credit loss provision to net charge-offs | 1,687.5000% | 232 |
| Earnings coverage of net charge-offs (x) | 228.9231% | 381 |
| Efficiency ratio | 49.9043% | 5,255 |
| Assets per employee ($millions) | 4.2982% | 3,471 |
| Cash dividends to net income (ytd only)* | 87.7259% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,896 |
| Loan loss allowance to noncurrent loans | 195.8665% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 2,092 |
| Noncurrent loans to loans | 0.6163% | 2,865 |
| Net loans and leases to total assets | 90.2285% | 74 |
| Net loans and leases to deposits | 100.2675% | 726 |
| Net loans and leases to core deposits | 103.7686% | 1,402 |
| Total domestic deposits to total assets | 89.9877% | 480 |
| Equity capital to assets | 9.6669% | 4,277 |
| Core capital (leverage) ratio | 9.8514% | 3,751 |
| Tier 1 risk-based capital ratio | 11.0394% | 5,227 |
| Total risk-based capital ratio | 12.2891% | 5,114 |
| Memoranda: | ||
| Average total assets | $111,119,250 | 4,087 |
| Average earning assets | $105,762,000 | 4,030 |
| Average equity | $10,500,000 | 4,421 |
| Average total loans | $102,952,750 | 3,333 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 897 |
| Cost of funding earning assets | 0.6468% | 1,162 |
| Net interest margin | 4.1324% | 1,245 |
| Noninterest income to average assets | 0.3787% | 3,843 |
| Noninterest expense to average assets | 2.2054% | 4,553 |
| Loan and lease loss provision to assets | 0.1623% | 1,232 |
| Net operating income to assets | 1.8340% | 424 |
| Return on assets (ROA) | 1.8340% | 439 |
| Pretax return on assets | 1.9512% | 586 |
| Return on Equity (ROE) | 19.5596% | 236 |
| Retained earnings to average equity (ytd only) | -7.5200% | 5,600 |
| Net charge-offs to loans | 0.0252% | 2,708 |
| Credit loss provision to net charge-offs | 692.3077% | 507 |
| Earnings coverage of net charge-offs (x) | 90.1538% | 700 |
| Efficiency ratio | 51.0647% | 5,238 |
| Assets per employee ($millions) | 3.9365% | 4,072 |
| Cash dividends to net income (ytd only)* | 138.4464% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,318 |
| Loan loss allowance to noncurrent loans | 79.4889% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.6113% | 921 |
| Noncurrent loans to loans | 1.4460% | 1,313 |
| Net loans and leases to total assets | 92.2248% | 31 |
| Net loans and leases to deposits | 102.6145% | 570 |
| Net loans and leases to core deposits | 106.1052% | 1,226 |
| Total domestic deposits to total assets | 89.8750% | 578 |
| Equity capital to assets | 9.2677% | 4,656 |
| Core capital (leverage) ratio | 9.2612% | 4,412 |
| Tier 1 risk-based capital ratio | 10.7157% | 5,372 |
| Total risk-based capital ratio | 11.9557% | 5,309 |
| Memoranda: | ||
| Average total assets | $110,908,000 | 4,115 |
| Average earning assets | $105,750,670 | 4,051 |
| Average equity | $10,399,000 | 4,452 |
| Average total loans | $103,248,670 | 3,333 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 966 |
| Cost of funding earning assets | 0.6441% | 1,103 |
| Net interest margin | 4.0380% | 1,376 |
| Noninterest income to average assets | 0.3560% | 3,990 |
| Noninterest expense to average assets | 2.2040% | 4,628 |
| Loan and lease loss provision to assets | 0.1618% | 1,112 |
| Net operating income to assets | 1.7043% | 545 |
| Return on assets (ROA) | 1.7043% | 557 |
| Pretax return on assets | 1.8445% | 730 |
| Return on Equity (ROE) | 18.0726% | 335 |
| Retained earnings to average equity (ytd only) | -8.7694% | 5,554 |
| Net charge-offs to loans | -0.0425% | 5,111 |
| Credit loss provision to net charge-offs | -409.0909% | 4,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3484% | 5,251 |
| Assets per employee ($millions) | 3.9910% | 4,025 |
| Cash dividends to net income (ytd only)* | 148.5232% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,524 |
| Loan loss allowance to noncurrent loans | 95.7921% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.2412% | 1,398 |
| Noncurrent loans to loans | 1.1785% | 1,724 |
| Net loans and leases to total assets | 90.9949% | 37 |
| Net loans and leases to deposits | 100.6683% | 575 |
| Net loans and leases to core deposits | 104.0064% | 1,224 |
| Total domestic deposits to total assets | 90.3909% | 514 |
| Equity capital to assets | 9.2852% | 4,533 |
| Core capital (leverage) ratio | 9.4362% | 4,190 |
| Tier 1 risk-based capital ratio | 10.6558% | 5,483 |
| Total risk-based capital ratio | 11.8481% | 5,418 |
| Memoranda: | ||
| Average total assets | $111,251,000 | 4,148 |
| Average earning assets | $106,191,500 | 4,080 |
| Average equity | $10,491,000 | 4,467 |
| Average total loans | $103,456,000 | 3,353 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 1,001 |
| Cost of funding earning assets | 0.6383% | 1,120 |
| Net interest margin | 4.0938% | 1,390 |
| Noninterest income to average assets | 0.3842% | 4,007 |
| Noninterest expense to average assets | 2.2940% | 4,575 |
| Loan and lease loss provision to assets | 0.1646% | 1,499 |
| Net operating income to assets | 1.7754% | 464 |
| Return on assets (ROA) | 1.7754% | 486 |
| Pretax return on assets | 1.8385% | 717 |
| Return on Equity (ROE) | 19.3365% | 245 |
| Retained earnings to average equity (ytd only) | 5.3895% | 2,083 |
| Net charge-offs to loans | 0.1511% | 1,749 |
| Credit loss provision to net charge-offs | 118.4211% | 2,241 |
| Earnings coverage of net charge-offs (x) | 14.4079% | 2,296 |
| Efficiency ratio | 53.3844% | 5,292 |
| Assets per employee ($millions) | 4.1020% | 3,780 |
| Cash dividends to net income (ytd only)* | 72.1278% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,942 |
| Loan loss allowance to noncurrent loans | 116.4384% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 2,100 |
| Noncurrent loans to loans | 0.9119% | 2,272 |
| Net loans and leases to total assets | 92.9637% | 19 |
| Net loans and leases to deposits | 103.5242% | 444 |
| Net loans and leases to core deposits | 107.0080% | 1,065 |
| Total domestic deposits to total assets | 89.7990% | 723 |
| Equity capital to assets | 9.5762% | 4,193 |
| Core capital (leverage) ratio | 9.5609% | 4,013 |
| Tier 1 risk-based capital ratio | 10.8968% | 5,394 |
| Total risk-based capital ratio | 12.0321% | 5,347 |
| Memoranda: | ||
| Average total assets | $109,330,400 | 4,177 |
| Average earning assets | $104,499,400 | 4,106 |
| Average equity | $10,038,000 | 4,564 |
| Average total loans | $100,615,200 | 3,372 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 1,035 |
| Cost of funding earning assets | 0.6317% | 1,131 |
| Net interest margin | 4.0848% | 1,420 |
| Noninterest income to average assets | 0.3903% | 3,990 |
| Noninterest expense to average assets | 2.1998% | 4,771 |
| Loan and lease loss provision to assets | 0.1101% | 2,091 |
| Net operating income to assets | 1.9246% | 386 |
| Return on assets (ROA) | 1.9246% | 406 |
| Pretax return on assets | 1.9808% | 596 |
| Return on Equity (ROE) | 21.1932% | 188 |
| Retained earnings to average equity (ytd only) | 2.3308% | 4,527 |
| Net charge-offs to loans | 0.0200% | 3,300 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 113.9305% | 597 |
| Efficiency ratio | 51.2689% | 5,424 |
| Assets per employee ($millions) | 4.1932% | 3,603 |
| Cash dividends to net income (ytd only)* | 89.0019% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,771 |
| Loan loss allowance to noncurrent loans | 96.9697% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 1,842 |
| Noncurrent loans to loans | 1.1469% | 1,959 |
| Net loans and leases to total assets | 90.4723% | 61 |
| Net loans and leases to deposits | 104.9079% | 415 |
| Net loans and leases to core deposits | 108.4834% | 1,017 |
| Total domestic deposits to total assets | 86.2397% | 2,244 |
| Equity capital to assets | 9.0428% | 5,135 |
| Core capital (leverage) ratio | 9.2746% | 4,495 |
| Tier 1 risk-based capital ratio | 10.5250% | 5,608 |
| Total risk-based capital ratio | 11.7093% | 5,563 |
| Memoranda: | ||
| Average total assets | $108,974,500 | 4,216 |
| Average earning assets | $104,057,000 | 4,139 |
| Average equity | $9,896,000 | 4,637 |
| Average total loans | $99,752,500 | 3,399 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 1,070 |
| Cost of funding earning assets | 0.6230% | 1,177 |
| Net interest margin | 4.0657% | 1,459 |
| Noninterest income to average assets | 0.3737% | 4,075 |
| Noninterest expense to average assets | 2.2201% | 4,801 |
| Loan and lease loss provision to assets | 0.1116% | 2,010 |
| Net operating income to assets | 1.8948% | 399 |
| Return on assets (ROA) | 1.8948% | 417 |
| Pretax return on assets | 1.9375% | 651 |
| Return on Equity (ROE) | 20.8342% | 202 |
| Retained earnings to average equity (ytd only) | -7.7898% | 5,835 |
| Net charge-offs to loans | 0.0325% | 2,804 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 68.8750% | 786 |
| Efficiency ratio | 52.0035% | 5,442 |
| Assets per employee ($millions) | 3.9857% | 3,937 |
| Cash dividends to net income (ytd only)* | 137.3896% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,782 |
| Loan loss allowance to noncurrent loans | 58.9070% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.8148% | 947 |
| Noncurrent loans to loans | 1.9192% | 1,054 |
| Net loans and leases to total assets | 91.0970% | 38 |
| Net loans and leases to deposits | 102.0773% | 557 |
| Net loans and leases to core deposits | 105.6128% | 1,210 |
| Total domestic deposits to total assets | 89.2431% | 789 |
| Equity capital to assets | 8.9987% | 5,238 |
| Core capital (leverage) ratio | 8.9691% | 4,866 |
| Tier 1 risk-based capital ratio | 10.4968% | 5,675 |
| Total risk-based capital ratio | 11.7118% | 5,604 |
| Memoranda: | ||
| Average total assets | $107,560,330 | 4,276 |
| Average earning assets | $103,056,670 | 4,195 |
| Average equity | $9,782,000 | 4,688 |
| Average total loans | $98,476,000 | 3,433 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 987 |
| Cost of funding earning assets | 0.6072% | 1,293 |
| Net interest margin | 4.1256% | 1,279 |
| Noninterest income to average assets | 0.3608% | 4,146 |
| Noninterest expense to average assets | 2.2244% | 4,848 |
| Loan and lease loss provision to assets | 0.1116% | 1,869 |
| Net operating income to assets | 1.8673% | 422 |
| Return on assets (ROA) | 1.8673% | 451 |
| Pretax return on assets | 1.9678% | 609 |
| Return on Equity (ROE) | 20.4252% | 215 |
| Retained earnings to average equity (ytd only) | -19.0418% | 5,956 |
| Net charge-offs to loans | -0.0408% | 5,226 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6854% | 5,531 |
| Assets per employee ($millions) | 4.0027% | 3,933 |
| Cash dividends to net income (ytd only)* | 193.2271% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,802 |
| Loan loss allowance to noncurrent loans | 192.5862% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 3,242 |
| Noncurrent loans to loans | 0.5945% | 3,407 |
| Net loans and leases to total assets | 89.2370% | 80 |
| Net loans and leases to deposits | 98.2788% | 738 |
| Net loans and leases to core deposits | 101.5885% | 1,367 |
| Total domestic deposits to total assets | 90.7998% | 327 |
| Equity capital to assets | 8.8800% | 5,278 |
| Core capital (leverage) ratio | 8.9886% | 4,874 |
| Tier 1 risk-based capital ratio | 10.2793% | 5,838 |
| Total risk-based capital ratio | 11.4758% | 5,786 |
| Memoranda: | ||
| Average total assets | $107,533,000 | 4,313 |
| Average earning assets | $102,774,000 | 4,238 |
| Average equity | $9,831,000 | 4,698 |
| Average total loans | $98,136,500 | 3,451 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 977 |
| Cost of funding earning assets | 0.5087% | 2,084 |
| Net interest margin | 4.2581% | 1,047 |
| Noninterest income to average assets | 0.4328% | 3,800 |
| Noninterest expense to average assets | 2.3974% | 4,523 |
| Loan and lease loss provision to assets | 0.1167% | 2,046 |
| Net operating income to assets | 1.8742% | 424 |
| Return on assets (ROA) | 1.8742% | 433 |
| Pretax return on assets | 1.9568% | 591 |
| Return on Equity (ROE) | 20.4760% | 221 |
| Retained earnings to average equity (ytd only) | 8.5113% | 772 |
| Net charge-offs to loans | 0.1583% | 1,796 |
| Credit loss provision to net charge-offs | 81.6327% | 2,918 |
| Earnings coverage of net charge-offs (x) | 14.5034% | 2,287 |
| Efficiency ratio | 53.6219% | 5,544 |
| Assets per employee ($millions) | 3.9627% | 4,006 |
| Cash dividends to net income (ytd only)* | 58.4328% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 4,093 |
| Loan loss allowance to noncurrent loans | 605.0562% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 4,637 |
| Noncurrent loans to loans | 0.1803% | 4,774 |
| Net loans and leases to total assets | 91.2564% | 39 |
| Net loans and leases to deposits | 101.3547% | 584 |
| Net loans and leases to core deposits | 104.8316% | 1,177 |
| Total domestic deposits to total assets | 90.0366% | 618 |
| Equity capital to assets | 9.4072% | 4,664 |
| Core capital (leverage) ratio | 9.4986% | 4,169 |
| Tier 1 risk-based capital ratio | 10.9006% | 5,573 |
| Total risk-based capital ratio | 12.0671% | 5,523 |
| Memoranda: | ||
| Average total assets | $102,818,800 | 4,409 |
| Average earning assets | $97,508,800 | 4,351 |
| Average equity | $9,411,000 | 4,768 |
| Average total loans | $92,855,600 | 3,523 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 1,000 |
| Cost of funding earning assets | 0.5003% | 2,204 |
| Net interest margin | 4.2622% | 1,035 |
| Noninterest income to average assets | 0.4402% | 3,793 |
| Noninterest expense to average assets | 2.2795% | 4,832 |
| Loan and lease loss provision to assets | 0.1179% | 1,930 |
| Net operating income to assets | 2.0201% | 354 |
| Return on assets (ROA) | 2.0201% | 372 |
| Pretax return on assets | 2.0830% | 519 |
| Return on Equity (ROE) | 22.2325% | 187 |
| Retained earnings to average equity (ytd only) | 6.0123% | 2,239 |
| Net charge-offs to loans | -0.1736% | 5,957 |
| Credit loss provision to net charge-offs | -75.6303% | 5,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8772% | 5,731 |
| Assets per employee ($millions) | 3.8316% | 4,204 |
| Cash dividends to net income (ytd only)* | 72.9570% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 2,581 |
| Loan loss allowance to noncurrent loans | 676.8041% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,719 |
| Noncurrent loans to loans | 0.2073% | 4,818 |
| Net loans and leases to total assets | 89.1737% | 86 |
| Net loans and leases to deposits | 98.7857% | 745 |
| Net loans and leases to core deposits | 102.6060% | 1,334 |
| Total domestic deposits to total assets | 90.2699% | 480 |
| Equity capital to assets | 9.3580% | 4,930 |
| Core capital (leverage) ratio | 9.4618% | 4,350 |
| Tier 1 risk-based capital ratio | 11.1120% | 5,598 |
| Total risk-based capital ratio | 12.3654% | 5,486 |
| Memoranda: | ||
| Average total assets | $101,775,500 | 4,476 |
| Average earning assets | $96,473,000 | 4,426 |
| Average equity | $9,247,500 | 4,856 |
| Average total loans | $91,391,000 | 3,597 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 1,013 |
| Cost of funding earning assets | 0.4889% | 2,362 |
| Net interest margin | 4.2423% | 1,022 |
| Noninterest income to average assets | 0.4189% | 3,934 |
| Noninterest expense to average assets | 2.2644% | 4,941 |
| Loan and lease loss provision to assets | 0.1186% | 1,871 |
| Net operating income to assets | 2.0115% | 359 |
| Return on assets (ROA) | 2.0115% | 374 |
| Pretax return on assets | 2.0649% | 523 |
| Return on Equity (ROE) | 22.3663% | 183 |
| Retained earnings to average equity (ytd only) | -2.3728% | 5,862 |
| Net charge-offs to loans | -0.2515% | 6,081 |
| Credit loss provision to net charge-offs | -52.6316% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9107% | 5,806 |
| Assets per employee ($millions) | 3.7777% | 4,285 |
| Cash dividends to net income (ytd only)* | 110.6090% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 2,846 |
| Loan loss allowance to noncurrent loans | 172.4696% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 2,979 |
| Noncurrent loans to loans | 0.8006% | 3,115 |
| Net loans and leases to total assets | 89.4850% | 84 |
| Net loans and leases to deposits | 102.7977% | 513 |
| Net loans and leases to core deposits | 106.6698% | 1,040 |
| Total domestic deposits to total assets | 87.0496% | 2,141 |
| Equity capital to assets | 8.9767% | 5,252 |
| Core capital (leverage) ratio | 9.0975% | 4,820 |
| Tier 1 risk-based capital ratio | 10.6261% | 5,872 |
| Total risk-based capital ratio | 11.8795% | 5,814 |
| Memoranda: | ||
| Average total assets | $101,216,670 | 4,530 |
| Average earning assets | $96,126,670 | 4,463 |
| Average equity | $9,103,000 | 4,924 |
| Average total loans | $90,666,330 | 3,617 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 957 |
| Cost of funding earning assets | 0.4760% | 2,494 |
| Net interest margin | 4.2672% | 945 |
| Noninterest income to average assets | 0.3531% | 4,378 |
| Noninterest expense to average assets | 2.3724% | 4,679 |
| Loan and lease loss provision to assets | 0.1190% | 1,739 |
| Net operating income to assets | 1.8924% | 410 |
| Return on assets (ROA) | 1.8924% | 434 |
| Pretax return on assets | 1.9162% | 695 |
| Return on Equity (ROE) | 21.0213% | 231 |
| Retained earnings to average equity (ytd only) | -16.5262% | 6,238 |
| Net charge-offs to loans | -0.4948% | 6,237 |
| Credit loss provision to net charge-offs | -27.0270% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8254% | 5,691 |
| Assets per employee ($millions) | 3.7729% | 4,385 |
| Cash dividends to net income (ytd only)* | 178.6164% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 2,978 |
| Loan loss allowance to noncurrent loans | 565.9091% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 4,280 |
| Noncurrent loans to loans | 0.2450% | 4,900 |
| Net loans and leases to total assets | 86.9419% | 144 |
| Net loans and leases to deposits | 98.7160% | 637 |
| Net loans and leases to core deposits | 102.0205% | 1,178 |
| Total domestic deposits to total assets | 88.0728% | 1,779 |
| Equity capital to assets | 8.7260% | 5,560 |
| Core capital (leverage) ratio | 8.8470% | 5,141 |
| Tier 1 risk-based capital ratio | 10.4819% | 6,019 |
| Total risk-based capital ratio | 11.7343% | 5,965 |
| Memoranda: | ||
| Average total assets | $100,826,500 | 4,577 |
| Average earning assets | $95,799,500 | 4,511 |
| Average equity | $9,076,500 | 4,972 |
| Average total loans | $89,724,500 | 3,651 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 1,401 |
| Cost of funding earning assets | 0.5228% | 2,465 |
| Net interest margin | 4.1337% | 1,476 |
| Noninterest income to average assets | 0.4460% | 3,864 |
| Noninterest expense to average assets | 2.4512% | 4,704 |
| Loan and lease loss provision to assets | 0.1262% | 2,075 |
| Net operating income to assets | 1.6895% | 589 |
| Return on assets (ROA) | 1.6895% | 611 |
| Pretax return on assets | 1.7947% | 802 |
| Return on Equity (ROE) | 18.3913% | 364 |
| Retained earnings to average equity (ytd only) | 5.4968% | 2,262 |
| Net charge-offs to loans | 0.1785% | 2,243 |
| Credit loss provision to net charge-offs | 82.1918% | 2,826 |
| Earnings coverage of net charge-offs (x) | 12.5068% | 2,364 |
| Efficiency ratio | 56.0635% | 5,658 |
| Assets per employee ($millions) | 3.9914% | 3,973 |
| Cash dividends to net income (ytd only)* | 70.1121% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 3,813 |
| Loan loss allowance to noncurrent loans | 402.9197% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 4,288 |
| Noncurrent loans to loans | 0.3057% | 4,751 |
| Net loans and leases to total assets | 88.7248% | 92 |
| Net loans and leases to deposits | 103.2430% | 464 |
| Net loans and leases to core deposits | 106.8593% | 961 |
| Total domestic deposits to total assets | 85.9378% | 2,876 |
| Equity capital to assets | 9.2840% | 4,965 |
| Core capital (leverage) ratio | 9.5011% | 4,235 |
| Tier 1 risk-based capital ratio | 11.1275% | 5,854 |
| Total risk-based capital ratio | 12.3779% | 5,794 |
| Memoranda: | ||
| Average total assets | $95,057,200 | 4,722 |
| Average earning assets | $90,283,200 | 4,645 |
| Average equity | $8,732,400 | 5,041 |
| Average total loans | $81,800,800 | 3,825 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 1,469 |
| Cost of funding earning assets | 0.5333% | 2,433 |
| Net interest margin | 4.1032% | 1,565 |
| Noninterest income to average assets | 0.4389% | 3,959 |
| Noninterest expense to average assets | 2.3449% | 4,978 |
| Loan and lease loss provision to assets | 0.1278% | 1,960 |
| Net operating income to assets | 1.7484% | 562 |
| Return on assets (ROA) | 1.7484% | 580 |
| Pretax return on assets | 1.8563% | 789 |
| Return on Equity (ROE) | 19.0859% | 341 |
| Retained earnings to average equity (ytd only) | 1.6280% | 5,232 |
| Net charge-offs to loans | -0.0534% | 5,933 |
| Credit loss provision to net charge-offs | -281.2500% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1667% | 5,803 |
| Assets per employee ($millions) | 3.8836% | 4,119 |
| Cash dividends to net income (ytd only)* | 91.4707% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 2,712 |
| Loan loss allowance to noncurrent loans | 300.9615% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 4,457 |
| Noncurrent loans to loans | 0.4982% | 4,430 |
| Net loans and leases to total assets | 84.7101% | 280 |
| Net loans and leases to deposits | 96.7054% | 826 |
| Net loans and leases to core deposits | 100.1022% | 1,359 |
| Total domestic deposits to total assets | 87.5960% | 1,982 |
| Equity capital to assets | 9.1554% | 5,205 |
| Core capital (leverage) ratio | 9.4926% | 4,390 |
| Tier 1 risk-based capital ratio | 11.5703% | 5,755 |
| Total risk-based capital ratio | 12.8251% | 5,674 |
| Memoranda: | ||
| Average total assets | $93,875,250 | 4,806 |
| Average earning assets | $89,001,000 | 4,728 |
| Average equity | $8,599,500 | 5,106 |
| Average total loans | $79,841,500 | 3,909 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 1,525 |
| Cost of funding earning assets | 0.5419% | 2,421 |
| Net interest margin | 4.0606% | 1,633 |
| Noninterest income to average assets | 0.4116% | 4,158 |
| Noninterest expense to average assets | 2.3792% | 4,941 |
| Loan and lease loss provision to assets | 0.1293% | 1,908 |
| Net operating income to assets | 1.6486% | 641 |
| Return on assets (ROA) | 1.6486% | 672 |
| Pretax return on assets | 1.7629% | 911 |
| Return on Equity (ROE) | 17.9936% | 458 |
| Retained earnings to average equity (ytd only) | -8.4911% | 6,384 |
| Net charge-offs to loans | -0.0687% | 6,011 |
| Credit loss provision to net charge-offs | -222.2222% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7013% | 5,774 |
| Assets per employee ($millions) | 3.5386% | 4,776 |
| Cash dividends to net income (ytd only)* | 147.1895% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 2,739 |
| Loan loss allowance to noncurrent loans | 346.7236% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 4,705 |
| Noncurrent loans to loans | 0.4431% | 4,653 |
| Net loans and leases to total assets | 84.7853% | 249 |
| Net loans and leases to deposits | 94.9590% | 884 |
| Net loans and leases to core deposits | 98.4514% | 1,410 |
| Total domestic deposits to total assets | 89.2862% | 1,208 |
| Equity capital to assets | 9.1551% | 5,151 |
| Core capital (leverage) ratio | 9.1738% | 4,780 |
| Tier 1 risk-based capital ratio | 11.6568% | 5,715 |
| Total risk-based capital ratio | 12.9121% | 5,662 |
| Memoranda: | ||
| Average total assets | $92,803,670 | 4,848 |
| Average earning assets | $88,213,330 | 4,773 |
| Average equity | $8,503,000 | 5,157 |
| Average total loans | $78,623,000 | 3,952 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 1,639 |
| Cost of funding earning assets | 0.5468% | 2,448 |
| Net interest margin | 4.0041% | 1,745 |
| Noninterest income to average assets | 0.3948% | 4,228 |
| Noninterest expense to average assets | 2.3561% | 5,049 |
| Loan and lease loss provision to assets | 0.1287% | 1,883 |
| Net operating income to assets | 1.5879% | 680 |
| Return on assets (ROA) | 1.5879% | 710 |
| Pretax return on assets | 1.7124% | 949 |
| Return on Equity (ROE) | 17.3241% | 502 |
| Retained earnings to average equity (ytd only) | -22.5682% | 6,559 |
| Net charge-offs to loans | -0.1685% | 6,333 |
| Credit loss provision to net charge-offs | -90.9091% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1350% | 5,826 |
| Assets per employee ($millions) | 3.4897% | 4,941 |
| Cash dividends to net income (ytd only)* | 230.2703% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 3,006 |
| Loan loss allowance to noncurrent loans | 363.7195% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 4,940 |
| Noncurrent loans to loans | 0.4214% | 4,873 |
| Net loans and leases to total assets | 81.3345% | 416 |
| Net loans and leases to deposits | 89.4339% | 1,207 |
| Net loans and leases to core deposits | 92.5633% | 1,678 |
| Total domestic deposits to total assets | 90.9437% | 593 |
| Equity capital to assets | 8.8111% | 5,320 |
| Core capital (leverage) ratio | 8.9224% | 5,111 |
| Tier 1 risk-based capital ratio | 11.6092% | 5,857 |
| Total risk-based capital ratio | 12.8650% | 5,800 |
| Memoranda: | ||
| Average total assets | $93,204,000 | 4,894 |
| Average earning assets | $88,509,000 | 4,810 |
| Average equity | $8,543,000 | 5,167 |
| Average total loans | $78,323,500 | 3,989 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 1,601 |
| Cost of funding earning assets | 0.6145% | 2,529 |
| Net interest margin | 4.0740% | 1,720 |
| Noninterest income to average assets | 0.4420% | 4,140 |
| Noninterest expense to average assets | 2.4494% | 4,932 |
| Loan and lease loss provision to assets | 0.1294% | 2,697 |
| Net operating income to assets | 1.6139% | 668 |
| Return on assets (ROA) | 1.6139% | 689 |
| Pretax return on assets | 1.7012% | 950 |
| Return on Equity (ROE) | 17.9127% | 417 |
| Retained earnings to average equity (ytd only) | 4.4393% | 3,016 |
| Net charge-offs to loans | 0.1015% | 3,818 |
| Credit loss provision to net charge-offs | 155.8442% | 1,487 |
| Earnings coverage of net charge-offs (x) | 22.0519% | 1,466 |
| Efficiency ratio | 57.2292% | 5,822 |
| Assets per employee ($millions) | 3.5456% | 4,813 |
| Cash dividends to net income (ytd only)* | 75.2171% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 3,493 |
| Loan loss allowance to noncurrent loans | 738.5621% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 5,626 |
| Noncurrent loans to loans | 0.1941% | 5,611 |
| Net loans and leases to total assets | 84.2742% | 238 |
| Net loans and leases to deposits | 95.9621% | 736 |
| Net loans and leases to core deposits | 99.1386% | 1,223 |
| Total domestic deposits to total assets | 87.8203% | 2,292 |
| Equity capital to assets | 9.5286% | 4,386 |
| Core capital (leverage) ratio | 9.4986% | 4,271 |
| Tier 1 risk-based capital ratio | 12.2711% | 5,450 |
| Total risk-based capital ratio | 13.5256% | 5,374 |
| Memoranda: | ||
| Average total assets | $92,757,400 | 4,911 |
| Average earning assets | $87,384,000 | 4,844 |
| Average equity | $8,357,200 | 5,254 |
| Average total loans | $75,886,200 | 4,062 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 1,653 |
| Cost of funding earning assets | 0.6264% | 2,590 |
| Net interest margin | 4.0517% | 1,781 |
| Noninterest income to average assets | 0.4478% | 4,169 |
| Noninterest expense to average assets | 2.2920% | 5,367 |
| Loan and lease loss provision to assets | 0.1292% | 2,677 |
| Net operating income to assets | 1.7481% | 582 |
| Return on assets (ROA) | 1.7481% | 607 |
| Pretax return on assets | 1.8327% | 836 |
| Return on Equity (ROE) | 19.6832% | 320 |
| Retained earnings to average equity (ytd only) | 1.4867% | 5,390 |
| Net charge-offs to loans | -0.0515% | 6,321 |
| Credit loss provision to net charge-offs | -310.3448% | 5,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8799% | 6,109 |
| Assets per employee ($millions) | 3.5692% | 4,716 |
| Cash dividends to net income (ytd only)* | 92.4469% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 2,987 |
| Loan loss allowance to noncurrent loans | 1,096.3636% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 5,921 |
| Noncurrent loans to loans | 0.1463% | 5,884 |
| Net loans and leases to total assets | 79.7188% | 581 |
| Net loans and leases to deposits | 88.0053% | 1,362 |
| Net loans and leases to core deposits | 91.7501% | 1,783 |
| Total domestic deposits to total assets | 90.5841% | 711 |
| Equity capital to assets | 9.1649% | 4,979 |
| Core capital (leverage) ratio | 9.1813% | 4,862 |
| Tier 1 risk-based capital ratio | 12.3693% | 5,535 |
| Total risk-based capital ratio | 13.6259% | 5,467 |
| Memoranda: | ||
| Average total assets | $92,900,250 | 4,954 |
| Average earning assets | $87,269,250 | 4,891 |
| Average equity | $8,250,500 | 5,325 |
| Average total loans | $75,153,000 | 4,115 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,556 |
| Cost of funding earning assets | 0.6315% | 2,671 |
| Net interest margin | 4.0728% | 1,624 |
| Noninterest income to average assets | 0.4326% | 4,294 |
| Noninterest expense to average assets | 2.2747% | 5,434 |
| Loan and lease loss provision to assets | 0.1291% | 2,708 |
| Net operating income to assets | 1.7518% | 571 |
| Return on assets (ROA) | 1.7518% | 615 |
| Pretax return on assets | 1.8314% | 862 |
| Return on Equity (ROE) | 19.9371% | 303 |
| Retained earnings to average equity (ytd only) | -7.6417% | 6,595 |
| Net charge-offs to loans | -0.0932% | 6,484 |
| Credit loss provision to net charge-offs | -171.4286% | 5,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7093% | 6,168 |
| Assets per employee ($millions) | 3.5323% | 4,786 |
| Cash dividends to net income (ytd only)* | 138.3292% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,305 |
| Loan loss allowance to noncurrent loans | 2,462.5000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 6,056 |
| Noncurrent loans to loans | 0.0635% | 6,199 |
| Net loans and leases to total assets | 81.0705% | 433 |
| Net loans and leases to deposits | 90.2377% | 1,124 |
| Net loans and leases to core deposits | 93.7957% | 1,534 |
| Total domestic deposits to total assets | 89.8411% | 1,127 |
| Equity capital to assets | 8.8207% | 5,422 |
| Core capital (leverage) ratio | 8.7356% | 5,373 |
| Tier 1 risk-based capital ratio | 11.7307% | 5,971 |
| Total risk-based capital ratio | 12.9862% | 5,924 |
| Memoranda: | ||
| Average total assets | $92,933,670 | 4,989 |
| Average earning assets | $86,771,670 | 4,932 |
| Average equity | $8,165,670 | 5,391 |
| Average total loans | $75,142,330 | 4,130 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 1,533 |
| Cost of funding earning assets | 0.6380% | 2,762 |
| Net interest margin | 4.0635% | 1,576 |
| Noninterest income to average assets | 0.4322% | 4,234 |
| Noninterest expense to average assets | 2.1951% | 5,698 |
| Loan and lease loss provision to assets | 0.1284% | 2,634 |
| Net operating income to assets | 1.8057% | 477 |
| Return on assets (ROA) | 1.8057% | 532 |
| Pretax return on assets | 1.8699% | 774 |
| Return on Equity (ROE) | 20.5904% | 256 |
| Retained earnings to average equity (ytd only) | -20.9807% | 6,840 |
| Net charge-offs to loans | -0.0748% | 6,309 |
| Credit loss provision to net charge-offs | -214.2857% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3469% | 6,359 |
| Assets per employee ($millions) | 3.6738% | 4,618 |
| Cash dividends to net income (ytd only)* | 201.8957% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 3,723 |
| Loan loss allowance to noncurrent loans | 611.3514% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 5,781 |
| Noncurrent loans to loans | 0.2493% | 5,789 |
| Net loans and leases to total assets | 76.4918% | 779 |
| Net loans and leases to deposits | 84.6532% | 1,511 |
| Net loans and leases to core deposits | 88.1363% | 1,891 |
| Total domestic deposits to total assets | 90.3591% | 846 |
| Equity capital to assets | 8.3574% | 6,142 |
| Core capital (leverage) ratio | 8.6669% | 5,368 |
| Tier 1 risk-based capital ratio | 11.5682% | 6,146 |
| Total risk-based capital ratio | 12.8232% | 6,114 |
| Memoranda: | ||
| Average total assets | $93,480,000 | 5,012 |
| Average earning assets | $86,525,500 | 4,974 |
| Average equity | $8,198,000 | 5,435 |
| Average total loans | $74,894,500 | 4,172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 1,345 |
| Cost of funding earning assets | 0.7625% | 2,991 |
| Net interest margin | 4.3202% | 1,354 |
| Noninterest income to average assets | 0.4447% | 4,289 |
| Noninterest expense to average assets | 2.4051% | 5,393 |
| Loan and lease loss provision to assets | 0.1344% | 3,946 |
| Net operating income to assets | 1.7117% | 603 |
| Return on assets (ROA) | 1.7117% | 677 |
| Pretax return on assets | 1.8148% | 892 |
| Return on Equity (ROE) | 19.4392% | 327 |
| Retained earnings to average equity (ytd only) | 10.5974% | 487 |
| Net charge-offs to loans | 0.0589% | 5,104 |
| Credit loss provision to net charge-offs | 285.7143% | 852 |
| Earnings coverage of net charge-offs (x) | 41.4286% | 777 |
| Efficiency ratio | 55.2354% | 6,144 |
| Assets per employee ($millions) | 3.5169% | 4,976 |
| Cash dividends to net income (ytd only)* | 45.4843% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 3,982 |
| Loan loss allowance to noncurrent loans | 1,358.7500% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 6,312 |
| Noncurrent loans to loans | 0.1058% | 6,221 |
| Net loans and leases to total assets | 81.4808% | 363 |
| Net loans and leases to deposits | 91.0865% | 974 |
| Net loans and leases to core deposits | 95.0477% | 1,384 |
| Total domestic deposits to total assets | 89.4543% | 1,272 |
| Equity capital to assets | 9.2006% | 5,266 |
| Core capital (leverage) ratio | 9.3290% | 4,361 |
| Tier 1 risk-based capital ratio | 12.0177% | 5,779 |
| Total risk-based capital ratio | 13.2719% | 5,728 |
| Memoranda: | ||
| Average total assets | $89,268,000 | 5,108 |
| Average earning assets | $80,783,600 | 5,107 |
| Average equity | $7,860,400 | 5,538 |
| Average total loans | $71,349,000 | 4,307 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 1,391 |
| Cost of funding earning assets | 0.7875% | 3,048 |
| Net interest margin | 4.3295% | 1,399 |
| Noninterest income to average assets | 0.4749% | 4,101 |
| Noninterest expense to average assets | 2.2676% | 5,781 |
| Loan and lease loss provision to assets | 0.1352% | 3,854 |
| Net operating income to assets | 1.9175% | 440 |
| Return on assets (ROA) | 1.9175% | 509 |
| Pretax return on assets | 1.9716% | 747 |
| Return on Equity (ROE) | 22.0310% | 238 |
| Retained earnings to average equity (ytd only) | 10.0314% | 906 |
| Net charge-offs to loans | -0.1973% | 6,985 |
| Credit loss provision to net charge-offs | -86.5385% | 6,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8379% | 6,462 |
| Assets per employee ($millions) | 3.4225% | 5,155 |
| Cash dividends to net income (ytd only)* | 54.4669% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 3,439 |
| Loan loss allowance to noncurrent loans | 1,064.6018% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 6,200 |
| Noncurrent loans to loans | 0.1524% | 6,228 |
| Net loans and leases to total assets | 81.9533% | 344 |
| Net loans and leases to deposits | 91.5835% | 1,009 |
| Net loans and leases to core deposits | 95.1913% | 1,468 |
| Total domestic deposits to total assets | 89.4849% | 1,138 |
| Equity capital to assets | 9.1711% | 5,629 |
| Core capital (leverage) ratio | 9.2824% | 4,616 |
| Tier 1 risk-based capital ratio | 11.6105% | 6,165 |
| Total risk-based capital ratio | 12.8667% | 6,131 |
| Memoranda: | ||
| Average total assets | $88,725,000 | 5,178 |
| Average earning assets | $79,914,250 | 5,185 |
| Average equity | $7,722,250 | 5,636 |
| Average total loans | $70,288,000 | 4,392 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0956% | 1,515 |
| Cost of funding earning assets | 0.8144% | 3,081 |
| Net interest margin | 4.2812% | 1,518 |
| Noninterest income to average assets | 0.4603% | 4,206 |
| Noninterest expense to average assets | 2.3150% | 5,691 |
| Loan and lease loss provision to assets | 0.1354% | 3,835 |
| Net operating income to assets | 1.7848% | 582 |
| Return on assets (ROA) | 1.7848% | 652 |
| Pretax return on assets | 1.8412% | 961 |
| Return on Equity (ROE) | 20.8817% | 296 |
| Retained earnings to average equity (ytd only) | 2.5343% | 4,920 |
| Net charge-offs to loans | -0.2464% | 7,040 |
| Credit loss provision to net charge-offs | -70.5882% | 6,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9432% | 6,321 |
| Assets per employee ($millions) | 3.2490% | 5,557 |
| Cash dividends to net income (ytd only)* | 87.8635% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,565 |
| Loan loss allowance to noncurrent loans | 2,958.9744% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 6,275 |
| Noncurrent loans to loans | 0.0545% | 6,544 |
| Net loans and leases to total assets | 80.3253% | 472 |
| Net loans and leases to deposits | 89.3713% | 1,209 |
| Net loans and leases to core deposits | 93.9933% | 1,604 |
| Total domestic deposits to total assets | 89.8783% | 996 |
| Equity capital to assets | 8.7504% | 5,968 |
| Core capital (leverage) ratio | 8.5733% | 5,553 |
| Tier 1 risk-based capital ratio | 11.2833% | 6,346 |
| Total risk-based capital ratio | 12.5386% | 6,323 |
| Memoranda: | ||
| Average total assets | $88,638,000 | 5,209 |
| Average earning assets | $79,323,670 | 5,229 |
| Average equity | $7,576,000 | 5,689 |
| Average total loans | $69,007,330 | 4,448 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0585% | 1,696 |
| Cost of funding earning assets | 0.8397% | 3,154 |
| Net interest margin | 4.2188% | 1,710 |
| Noninterest income to average assets | 0.4490% | 4,297 |
| Noninterest expense to average assets | 2.2268% | 5,972 |
| Loan and lease loss provision to assets | 0.1347% | 3,663 |
| Net operating income to assets | 1.7599% | 651 |
| Return on assets (ROA) | 1.7599% | 727 |
| Pretax return on assets | 1.8317% | 1,012 |
| Return on Equity (ROE) | 20.8344% | 328 |
| Retained earnings to average equity (ytd only) | -5.7401% | 6,638 |
| Net charge-offs to loans | -0.8744% | 7,202 |
| Credit loss provision to net charge-offs | -20.2703% | 5,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1049% | 6,425 |
| Assets per employee ($millions) | 3.4211% | 5,295 |
| Cash dividends to net income (ytd only)* | 127.5510% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 3,169 |
| Loan loss allowance to noncurrent loans | 737.2671% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 6,260 |
| Noncurrent loans to loans | 0.2371% | 6,218 |
| Net loans and leases to total assets | 72.2323% | 1,361 |
| Net loans and leases to deposits | 79.7402% | 2,237 |
| Net loans and leases to core deposits | 83.0741% | 2,673 |
| Total domestic deposits to total assets | 90.5846% | 756 |
| Equity capital to assets | 8.0892% | 6,449 |
| Core capital (leverage) ratio | 8.4779% | 5,633 |
| Tier 1 risk-based capital ratio | 11.2812% | 6,400 |
| Total risk-based capital ratio | 12.5374% | 6,376 |
| Memoranda: | ||
| Average total assets | $89,096,000 | 5,239 |
| Average earning assets | $79,075,500 | 5,269 |
| Average equity | $7,526,000 | 5,730 |
| Average total loans | $67,702,500 | 4,529 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 1,787 |
| Cost of funding earning assets | 0.9172% | 3,984 |
| Net interest margin | 4.3589% | 1,518 |
| Noninterest income to average assets | 0.5134% | 3,760 |
| Noninterest expense to average assets | 2.8081% | 4,320 |
| Loan and lease loss provision to assets | 0.3838% | 2,691 |
| Net operating income to assets | 1.2259% | 1,443 |
| Return on assets (ROA) | 1.2259% | 1,545 |
| Pretax return on assets | 1.3063% | 2,103 |
| Return on Equity (ROE) | 14.1799% | 890 |
| Retained earnings to average equity (ytd only) | 7.3674% | 1,332 |
| Net charge-offs to loans | 0.3798% | 3,512 |
| Credit loss provision to net charge-offs | 129.0323% | 2,382 |
| Earnings coverage of net charge-offs (x) | 5.6815% | 2,709 |
| Efficiency ratio | 62.4267% | 5,391 |
| Assets per employee ($millions) | 3.1786% | 5,749 |
| Cash dividends to net income (ytd only)* | 48.0431% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 4,051 |
| Loan loss allowance to noncurrent loans | 869.8276% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 6,402 |
| Noncurrent loans to loans | 0.1719% | 6,404 |
| Net loans and leases to total assets | 77.4720% | 777 |
| Net loans and leases to deposits | 86.3200% | 1,630 |
| Net loans and leases to core deposits | 88.4525% | 2,327 |
| Total domestic deposits to total assets | 89.7497% | 1,132 |
| Equity capital to assets | 8.8322% | 5,758 |
| Core capital (leverage) ratio | 8.9611% | 4,844 |
| Tier 1 risk-based capital ratio | 11.6779% | 6,037 |
| Total risk-based capital ratio | 12.9320% | 6,020 |
| Memoranda: | ||
| Average total assets | $83,367,000 | 5,361 |
| Average earning assets | $76,212,000 | 5,337 |
| Average equity | $7,207,400 | 5,804 |
| Average total loans | $65,289,600 | 4,663 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 1,613 |
| Cost of funding earning assets | 0.9110% | 4,329 |
| Net interest margin | 4.4567% | 1,253 |
| Noninterest income to average assets | 0.4633% | 4,190 |
| Noninterest expense to average assets | 2.3167% | 5,986 |
| Loan and lease loss provision to assets | 0.3418% | 2,835 |
| Net operating income to assets | 1.7167% | 601 |
| Return on assets (ROA) | 1.7167% | 659 |
| Pretax return on assets | 1.8306% | 902 |
| Return on Equity (ROE) | 20.1030% | 303 |
| Retained earnings to average equity (ytd only) | 5.5447% | 2,829 |
| Net charge-offs to loans | 0.1377% | 4,681 |
| Credit loss provision to net charge-offs | 321.4286% | 871 |
| Earnings coverage of net charge-offs (x) | 20.4280% | 1,222 |
| Efficiency ratio | 51.6074% | 6,715 |
| Assets per employee ($millions) | 3.4004% | 5,247 |
| Cash dividends to net income (ytd only)* | 72.4186% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 4,057 |
| Loan loss allowance to noncurrent loans | 4,592.8571% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 6,672 |
| Noncurrent loans to loans | 0.0328% | 6,858 |
| Net loans and leases to total assets | 77.1919% | 817 |
| Net loans and leases to deposits | 86.4118% | 1,633 |
| Net loans and leases to core deposits | 87.3100% | 2,588 |
| Total domestic deposits to total assets | 89.3302% | 1,236 |
| Equity capital to assets | 8.6020% | 6,202 |
| Core capital (leverage) ratio | 8.8806% | 5,137 |
| Tier 1 risk-based capital ratio | 11.3844% | 6,307 |
| Total risk-based capital ratio | 12.6371% | 6,303 |
| Memoranda: | ||
| Average total assets | $52,659,000 | 6,327 |
| Average earning assets | $47,567,500 | 6,320 |
| Average equity | $4,496,750 | 6,641 |
| Average total loans | $40,671,500 | 5,715 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 1,680 |
| Cost of funding earning assets | 0.9499% | 4,318 |
| Net interest margin | 4.4130% | 1,332 |
| Noninterest income to average assets | 0.4378% | 4,360 |
| Noninterest expense to average assets | 2.3657% | 5,940 |
| Loan and lease loss provision to assets | 0.3456% | 2,711 |
| Net operating income to assets | 1.5823% | 756 |
| Return on assets (ROA) | 1.5823% | 801 |
| Pretax return on assets | 1.7052% | 1,050 |
| Return on Equity (ROE) | 18.5767% | 416 |
| Retained earnings to average equity (ytd only) | 0.9018% | 5,508 |
| Net charge-offs to loans | -0.0150% | 6,764 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5652% | 6,663 |
| Assets per employee ($millions) | 3.2339% | 5,559 |
| Cash dividends to net income (ytd only)* | 95.1456% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 3,850 |
| Loan loss allowance to noncurrent loans | 691.3978% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 6,145 |
| Noncurrent loans to loans | 0.2261% | 6,454 |
| Net loans and leases to total assets | 78.2502% | 741 |
| Net loans and leases to deposits | 90.8049% | 1,180 |
| Net loans and leases to core deposits | 91.8347% | 2,160 |
| Total domestic deposits to total assets | 86.1740% | 3,231 |
| Equity capital to assets | 8.7220% | 5,913 |
| Core capital (leverage) ratio | 8.5829% | 5,427 |
| Tier 1 risk-based capital ratio | 11.4549% | 6,201 |
| Total risk-based capital ratio | 12.7088% | 6,190 |
| Memoranda: | ||
| Average total assets | $52,076,670 | 6,407 |
| Average earning assets | $46,952,670 | 6,405 |
| Average equity | $4,435,670 | 6,705 |
| Average total loans | $40,015,330 | 5,797 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 1,738 |
| Cost of funding earning assets | 1.0119% | 4,114 |
| Net interest margin | 4.3328% | 1,457 |
| Noninterest income to average assets | 0.4211% | 4,531 |
| Noninterest expense to average assets | 2.2357% | 6,338 |
| Loan and lease loss provision to assets | 0.3445% | 2,499 |
| Net operating income to assets | 1.5313% | 817 |
| Return on assets (ROA) | 1.5313% | 861 |
| Pretax return on assets | 1.6768% | 1,022 |
| Return on Equity (ROE) | 18.1942% | 460 |
| Retained earnings to average equity (ytd only) | -17.4665% | 7,103 |
| Net charge-offs to loans | -0.0203% | 6,575 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5180% | 6,819 |
| Assets per employee ($millions) | 3.3308% | 5,412 |
| Cash dividends to net income (ytd only)* | 196.0000% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 4,100 |
| Loan loss allowance to noncurrent loans | 148.5075% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 4,970 |
| Noncurrent loans to loans | 1.0252% | 5,006 |
| Net loans and leases to total assets | 72.4574% | 1,618 |
| Net loans and leases to deposits | 80.6845% | 2,574 |
| Net loans and leases to core deposits | 81.5364% | 3,524 |
| Total domestic deposits to total assets | 89.8033% | 1,280 |
| Equity capital to assets | 8.0706% | 6,425 |
| Core capital (leverage) ratio | 8.2681% | 5,873 |
| Tier 1 risk-based capital ratio | 11.6008% | 6,020 |
| Total risk-based capital ratio | 12.8550% | 6,002 |
| Memoranda: | ||
| Average total assets | $52,243,500 | 6,448 |
| Average earning assets | $46,251,500 | 6,480 |
| Average equity | $4,397,000 | 6,751 |
| Average total loans | $39,457,000 | 5,873 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9396% | 961 |
| Cost of funding earning assets | 1.2380% | 4,303 |
| Net interest margin | 4.7016% | 814 |
| Noninterest income to average assets | 0.5306% | 3,950 |
| Noninterest expense to average assets | 2.5022% | 5,786 |
| Loan and lease loss provision to assets | 0.3674% | 3,916 |
| Net operating income to assets | 1.8675% | 364 |
| Return on assets (ROA) | 1.8675% | 392 |
| Pretax return on assets | 1.9552% | 534 |
| Return on Equity (ROE) | 21.7660% | 168 |
| Retained earnings to average equity (ytd only) | 8.9443% | 721 |
| Net charge-offs to loans | 0.5605% | 3,375 |
| Credit loss provision to net charge-offs | 77.9221% | 5,636 |
| Earnings coverage of net charge-offs (x) | 4.9264% | 2,764 |
| Efficiency ratio | 51.8613% | 6,997 |
| Assets per employee ($millions) | 3.1997% | 5,667 |
| Cash dividends to net income (ytd only)* | 58.9071% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 6,685 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 76.4782% | 1,187 |
| Net loans and leases to deposits | 85.9636% | 2,107 |
| Net loans and leases to core deposits | 86.9178% | 3,197 |
| Total domestic deposits to total assets | 88.9657% | 1,682 |
| Equity capital to assets | 8.7762% | 5,475 |
| Core capital (leverage) ratio | 8.6585% | 5,092 |
| Tier 1 risk-based capital ratio | 11.9555% | 5,516 |
| Total risk-based capital ratio | 13.2088% | 5,491 |
| Memoranda: | ||
| Average total assets | $48,996,800 | 6,576 |
| Average earning assets | $44,750,400 | 6,553 |
| Average equity | $4,203,800 | 6,917 |
| Average total loans | $41,213,800 | 5,874 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0214% | 896 |
| Cost of funding earning assets | 1.2729% | 4,417 |
| Net interest margin | 4.7485% | 750 |
| Noninterest income to average assets | 0.5146% | 4,065 |
| Noninterest expense to average assets | 2.2952% | 6,343 |
| Loan and lease loss provision to assets | 0.3715% | 3,666 |
| Net operating income to assets | 2.1026% | 283 |
| Return on assets (ROA) | 2.1026% | 304 |
| Pretax return on assets | 2.1907% | 422 |
| Return on Equity (ROE) | 24.6555% | 127 |
| Retained earnings to average equity (ytd only) | 7.2610% | 1,719 |
| Net charge-offs to loans | 0.5225% | 3,210 |
| Credit loss provision to net charge-offs | 82.8221% | 5,046 |
| Earnings coverage of net charge-offs (x) | 5.7116% | 2,697 |
| Efficiency ratio | 47.2521% | 7,309 |
| Assets per employee ($millions) | 3.1684% | 5,754 |
| Cash dividends to net income (ytd only)* | 70.5499% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 4,415 |
| Loan loss allowance to noncurrent loans | 734.6154% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 6,253 |
| Noncurrent loans to loans | 0.1917% | 6,800 |
| Net loans and leases to total assets | 79.1297% | 867 |
| Net loans and leases to deposits | 88.7164% | 1,903 |
| Net loans and leases to core deposits | 91.3218% | 2,901 |
| Total domestic deposits to total assets | 89.1940% | 1,287 |
| Equity capital to assets | 8.5651% | 6,198 |
| Core capital (leverage) ratio | 8.9818% | 4,725 |
| Tier 1 risk-based capital ratio | 11.4883% | 5,949 |
| Total risk-based capital ratio | 12.7424% | 5,928 |
| Memoranda: | ||
| Average total assets | $48,447,250 | 6,673 |
| Average earning assets | $44,307,750 | 6,644 |
| Average equity | $4,131,500 | 7,037 |
| Average total loans | $41,591,500 | 5,937 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0665% | 816 |
| Cost of funding earning assets | 1.3243% | 4,386 |
| Net interest margin | 4.7421% | 741 |
| Noninterest income to average assets | 0.4990% | 4,131 |
| Noninterest expense to average assets | 2.3229% | 6,295 |
| Loan and lease loss provision to assets | 0.3774% | 3,449 |
| Net operating income to assets | 2.0797% | 288 |
| Return on assets (ROA) | 2.0797% | 314 |
| Pretax return on assets | 2.1678% | 430 |
| Return on Equity (ROE) | 24.4255% | 139 |
| Retained earnings to average equity (ytd only) | -2.1175% | 6,162 |
| Net charge-offs to loans | -0.0716% | 7,509 |
| Credit loss provision to net charge-offs | -600.0000% | 6,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7175% | 7,362 |
| Assets per employee ($millions) | 2.8192% | 6,532 |
| Cash dividends to net income (ytd only)* | 108.6694% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 3,076 |
| Loan loss allowance to noncurrent loans | 168.0952% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8763% | 5,370 |
| Noncurrent loans to loans | 1.0115% | 5,288 |
| Net loans and leases to total assets | 85.1629% | 281 |
| Net loans and leases to deposits | 93.4090% | 1,355 |
| Net loans and leases to core deposits | 95.1289% | 2,571 |
| Total domestic deposits to total assets | 91.1720% | 422 |
| Equity capital to assets | 8.5004% | 6,164 |
| Core capital (leverage) ratio | 8.4497% | 5,496 |
| Tier 1 risk-based capital ratio | 10.8161% | 6,437 |
| Total risk-based capital ratio | 12.0745% | 6,414 |
| Memoranda: | ||
| Average total assets | $47,698,330 | 6,740 |
| Average earning assets | $43,946,330 | 6,700 |
| Average equity | $4,061,330 | 7,104 |
| Average total loans | $41,893,000 | 5,964 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0180% | 942 |
| Cost of funding earning assets | 1.3595% | 4,425 |
| Net interest margin | 4.6585% | 853 |
| Noninterest income to average assets | 0.4876% | 4,144 |
| Noninterest expense to average assets | 2.2949% | 6,392 |
| Loan and lease loss provision to assets | 0.3783% | 3,098 |
| Net operating income to assets | 2.0511% | 320 |
| Return on assets (ROA) | 2.0511% | 351 |
| Pretax return on assets | 2.1352% | 470 |
| Return on Equity (ROE) | 24.0691% | 188 |
| Retained earnings to average equity (ytd only) | -12.2318% | 7,080 |
| Net charge-offs to loans | -0.0951% | 7,511 |
| Credit loss provision to net charge-offs | -450.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7273% | 7,460 |
| Assets per employee ($millions) | 2.9649% | 6,297 |
| Cash dividends to net income (ytd only)* | 150.8197% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 3,569 |
| Loan loss allowance to noncurrent loans | 71.3819% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.9372% | 3,575 |
| Noncurrent loans to loans | 2.2021% | 3,523 |
| Net loans and leases to total assets | 86.5870% | 185 |
| Net loans and leases to deposits | 94.8550% | 1,248 |
| Net loans and leases to core deposits | 97.1454% | 2,440 |
| Total domestic deposits to total assets | 91.2835% | 446 |
| Equity capital to assets | 8.4171% | 6,135 |
| Core capital (leverage) ratio | 8.4241% | 5,513 |
| Tier 1 risk-based capital ratio | 10.5301% | 6,606 |
| Total risk-based capital ratio | 11.7853% | 6,587 |
| Memoranda: | ||
| Average total assets | $47,584,000 | 6,820 |
| Average earning assets | $44,134,500 | 6,770 |
| Average equity | $4,055,000 | 7,166 |
| Average total loans | $42,078,500 | 6,021 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3416% | 951 |
| Cost of funding earning assets | 1.7149% | 4,431 |
| Net interest margin | 4.6267% | 939 |
| Noninterest income to average assets | 0.5638% | 3,912 |
| Noninterest expense to average assets | 2.6801% | 5,485 |
| Loan and lease loss provision to assets | 0.3634% | 4,623 |
| Net operating income to assets | 1.7265% | 417 |
| Return on assets (ROA) | 1.7265% | 445 |
| Pretax return on assets | 1.8278% | 597 |
| Return on Equity (ROE) | 20.1781% | 237 |
| Retained earnings to average equity (ytd only) | 6.9748% | 966 |
| Net charge-offs to loans | 0.0527% | 6,572 |
| Credit loss provision to net charge-offs | 785.7143% | 374 |
| Earnings coverage of net charge-offs (x) | 47.3810% | 540 |
| Efficiency ratio | 55.0181% | 7,128 |
| Assets per employee ($millions) | 2.9831% | 6,263 |
| Cash dividends to net income (ytd only)* | 65.4337% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,139 |
| Loan loss allowance to noncurrent loans | 103.4423% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 4,391 |
| Noncurrent loans to loans | 1.3695% | 4,635 |
| Net loans and leases to total assets | 87.6281% | 189 |
| Net loans and leases to deposits | 97.3988% | 1,166 |
| Net loans and leases to core deposits | 112.6876% | 2,626 |
| Total domestic deposits to total assets | 89.9684% | 977 |
| Equity capital to assets | 8.6258% | 5,698 |
| Core capital (leverage) ratio | 8.6794% | 4,957 |
| Tier 1 risk-based capital ratio | 10.6377% | 6,262 |
| Total risk-based capital ratio | 11.8909% | 6,232 |
| Memoranda: | ||
| Average total assets | $45,409,200 | 6,899 |
| Average earning assets | $42,276,200 | 6,851 |
| Average equity | $3,885,400 | 7,335 |
| Average total loans | $39,848,000 | 6,118 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3604% | 1,003 |
| Cost of funding earning assets | 1.7831% | 4,461 |
| Net interest margin | 4.5773% | 1,029 |
| Noninterest income to average assets | 0.5710% | 3,913 |
| Noninterest expense to average assets | 2.5370% | 5,946 |
| Loan and lease loss provision to assets | 0.2082% | 5,316 |
| Net operating income to assets | 1.9897% | 298 |
| Return on assets (ROA) | 1.9897% | 320 |
| Pretax return on assets | 2.0938% | 448 |
| Return on Equity (ROE) | 23.3045% | 159 |
| Retained earnings to average equity (ytd only) | 5.3993% | 2,254 |
| Net charge-offs to loans | 0.0510% | 6,200 |
| Credit loss provision to net charge-offs | 466.6667% | 838 |
| Earnings coverage of net charge-offs (x) | 51.5985% | 614 |
| Efficiency ratio | 52.4278% | 7,382 |
| Assets per employee ($millions) | 2.9628% | 6,260 |
| Cash dividends to net income (ytd only)* | 76.8313% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 4,875 |
| Loan loss allowance to noncurrent loans | 83.2520% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 4,021 |
| Noncurrent loans to loans | 1.4951% | 4,419 |
| Net loans and leases to total assets | 85.6911% | 372 |
| Net loans and leases to deposits | 94.0105% | 1,883 |
| Net loans and leases to core deposits | 111.0926% | 3,116 |
| Total domestic deposits to total assets | 91.1505% | 364 |
| Equity capital to assets | 8.4402% | 6,332 |
| Core capital (leverage) ratio | 8.6056% | 5,296 |
| Tier 1 risk-based capital ratio | 10.5389% | 6,427 |
| Total risk-based capital ratio | 11.7875% | 6,389 |
| Memoranda: | ||
| Average total assets | $44,829,250 | 6,970 |
| Average earning assets | $41,799,500 | 6,918 |
| Average equity | $3,827,500 | 7,407 |
| Average total loans | $39,203,750 | 6,191 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3511% | 1,092 |
| Cost of funding earning assets | 1.8625% | 4,453 |
| Net interest margin | 4.4886% | 1,189 |
| Noninterest income to average assets | 0.5913% | 3,767 |
| Noninterest expense to average assets | 2.5562% | 5,920 |
| Loan and lease loss provision to assets | 0.1819% | 5,223 |
| Net operating income to assets | 1.9422% | 342 |
| Return on assets (ROA) | 1.9422% | 373 |
| Pretax return on assets | 2.0514% | 492 |
| Return on Equity (ROE) | 22.6545% | 211 |
| Retained earnings to average equity (ytd only) | -4.6158% | 6,241 |
| Net charge-offs to loans | -0.0363% | 7,805 |
| Credit loss provision to net charge-offs | -571.4286% | 7,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3713% | 7,396 |
| Assets per employee ($millions) | 3.0329% | 6,048 |
| Cash dividends to net income (ytd only)* | 120.3747% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 4,526 |
| Loan loss allowance to noncurrent loans | 42.2819% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.6993% | 2,380 |
| Noncurrent loans to loans | 2.9828% | 2,422 |
| Net loans and leases to total assets | 86.7323% | 322 |
| Net loans and leases to deposits | 98.5711% | 1,445 |
| Net loans and leases to core deposits | 114.5669% | 2,849 |
| Total domestic deposits to total assets | 87.9896% | 1,783 |
| Equity capital to assets | 8.2626% | 6,396 |
| Core capital (leverage) ratio | 8.3716% | 5,676 |
| Tier 1 risk-based capital ratio | 10.2556% | 6,644 |
| Total risk-based capital ratio | 11.5079% | 6,570 |
| Memoranda: | ||
| Average total assets | $43,971,000 | 7,058 |
| Average earning assets | $41,126,670 | 7,007 |
| Average equity | $3,769,670 | 7,490 |
| Average total loans | $38,560,670 | 6,267 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3660% | 1,138 |
| Cost of funding earning assets | 2.0030% | 4,112 |
| Net interest margin | 4.3630% | 1,435 |
| Noninterest income to average assets | 0.5554% | 3,875 |
| Noninterest expense to average assets | 2.3328% | 6,429 |
| Loan and lease loss provision to assets | 0.0926% | 5,773 |
| Net operating income to assets | 2.0829% | 297 |
| Return on assets (ROA) | 2.0829% | 342 |
| Pretax return on assets | 2.2032% | 441 |
| Return on Equity (ROE) | 23.8411% | 223 |
| Retained earnings to average equity (ytd only) | -15.0464% | 7,439 |
| Net charge-offs to loans | -0.1057% | 7,891 |
| Credit loss provision to net charge-offs | -100.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4000% | 7,558 |
| Assets per employee ($millions) | 3.1017% | 5,888 |
| Cash dividends to net income (ytd only)* | 163.1111% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 4,322 |
| Loan loss allowance to noncurrent loans | 112.7660% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 4,759 |
| Noncurrent loans to loans | 1.1206% | 4,741 |
| Net loans and leases to total assets | 85.8304% | 474 |
| Net loans and leases to deposits | 94.2353% | 2,230 |
| Net loans and leases to core deposits | 107.9630% | 3,685 |
| Total domestic deposits to total assets | 91.0810% | 388 |
| Equity capital to assets | 8.5298% | 6,028 |
| Core capital (leverage) ratio | 8.6256% | 5,289 |
| Tier 1 risk-based capital ratio | 10.6086% | 6,284 |
| Total risk-based capital ratio | 11.8602% | 6,203 |
| Memoranda: | ||
| Average total assets | $43,209,500 | 7,124 |
| Average earning assets | $40,339,500 | 7,083 |
| Average equity | $3,775,000 | 7,530 |
| Average total loans | $37,860,000 | 6,339 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7971% | 1,687 |
| Cost of funding earning assets | 2.5004% | 4,205 |
| Net interest margin | 4.2966% | 1,990 |
| Noninterest income to average assets | 0.6212% | 3,703 |
| Noninterest expense to average assets | 2.5272% | 5,899 |
| Loan and lease loss provision to assets | 0.2362% | 4,537 |
| Net operating income to assets | 1.7478% | 613 |
| Return on assets (ROA) | 1.7478% | 590 |
| Pretax return on assets | 1.8352% | 880 |
| Return on Equity (ROE) | 20.0000% | 371 |
| Retained earnings to average equity (ytd only) | 6.7568% | 1,240 |
| Net charge-offs to loans | 0.1741% | 4,457 |
| Credit loss provision to net charge-offs | 163.9344% | 3,147 |
| Earnings coverage of net charge-offs (x) | 14.3770% | 2,041 |
| Efficiency ratio | 54.9563% | 7,157 |
| Assets per employee ($millions) | 2.8663% | 6,398 |
| Cash dividends to net income (ytd only)* | 66.2162% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,504 |
| Loan loss allowance to noncurrent loans | 128.7324% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8257% | 4,784 |
| Noncurrent loans to loans | 0.9349% | 4,740 |
| Net loans and leases to total assets | 87.2543% | 445 |
| Net loans and leases to deposits | 98.7211% | 2,022 |
| Net loans and leases to core deposits | 114.3611% | 3,294 |
| Total domestic deposits to total assets | 88.3847% | 1,296 |
| Equity capital to assets | 8.9452% | 5,438 |
| Core capital (leverage) ratio | 9.0106% | 4,722 |
| Tier 1 risk-based capital ratio | 11.0807% | 5,660 |
| Total risk-based capital ratio | 12.3311% | 5,541 |
| Memoranda: | ||
| Average total assets | $42,339,400 | 7,113 |
| Average earning assets | $39,193,400 | 7,072 |
| Average equity | $3,700,000 | 7,607 |
| Average total loans | $35,030,000 | 6,424 |