Home > The Bank of Baker > Performance and Condition Ratios
The Bank of Baker, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 1,266 |
| Cost of funding earning assets | 1.1745% | 2,870 |
| Net interest margin | 4.2522% | 872 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.6829% | 1,782 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 1.5823% | 887 |
| Return on assets (ROA) | 1.5823% | 856 |
| Pretax return on assets | 1.5823% | 1,271 |
| Return on Equity (ROE) | 13.2600% | 1,658 |
| Retained earnings to average equity (ytd only) | -1.0688% | 4,194 |
| Net charge-offs to loans | -0.1052% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.0052% | 2,603 |
| Assets per employee ($millions) | 6.1900% | 2,650 |
| Cash dividends to net income (ytd only)* | 108.0597% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 675 |
| Loan loss allowance to noncurrent loans | 150.7389% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 605 |
| Noncurrent loans to loans | 1.1219% | 643 |
| Net loans and leases to total assets | 62.4700% | 2,631 |
| Net loans and leases to deposits | 70.5337% | 2,846 |
| Net loans and leases to core deposits | 71.9825% | 3,193 |
| Total domestic deposits to total assets | 88.5700% | 1,190 |
| Equity capital to assets | 10.9223% | 1,512 |
| Core capital (leverage) ratio | 10.0550% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $148,197,800 | 3,382 |
| Average earning assets | $136,563,600 | 3,375 |
| Average equity | $17,684,000 | 3,039 |
| Average total loans | $87,439,800 | 3,327 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 1,642 |
| Cost of funding earning assets | 0.9554% | 3,143 |
| Net interest margin | 4.1396% | 1,003 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.4901% | 2,264 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 1.6633% | 844 |
| Return on assets (ROA) | 1.6633% | 840 |
| Pretax return on assets | 1.6633% | 1,233 |
| Return on Equity (ROE) | 13.6600% | 1,744 |
| Retained earnings to average equity (ytd only) | 2.5396% | 3,626 |
| Net charge-offs to loans | -0.1169% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.7741% | 2,879 |
| Assets per employee ($millions) | 7.0379% | 1,934 |
| Cash dividends to net income (ytd only)* | 81.4140% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 742 |
| Loan loss allowance to noncurrent loans | 125.7689% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 647 |
| Noncurrent loans to loans | 1.3313% | 574 |
| Net loans and leases to total assets | 54.8900% | 3,297 |
| Net loans and leases to deposits | 62.3561% | 3,380 |
| Net loans and leases to core deposits | 62.8697% | 3,583 |
| Total domestic deposits to total assets | 88.0300% | 1,564 |
| Equity capital to assets | 11.5140% | 1,174 |
| Core capital (leverage) ratio | 11.3833% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $149,655,000 | 3,371 |
| Average earning assets | $138,012,250 | 3,374 |
| Average equity | $18,217,500 | 2,987 |
| Average total loans | $86,681,500 | 3,339 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 1,559 |
| Cost of funding earning assets | 0.7140% | 3,442 |
| Net interest margin | 4.2900% | 817 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.4838% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7681% | 694 |
| Return on assets (ROA) | 1.7681% | 696 |
| Pretax return on assets | 1.7681% | 1,079 |
| Return on Equity (ROE) | 14.2400% | 1,634 |
| Retained earnings to average equity (ytd only) | 3.0204% | 3,474 |
| Net charge-offs to loans | 0.0047% | 2,110 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 642.5000% | 227 |
| Efficiency ratio | 58.4546% | 3,140 |
| Assets per employee ($millions) | 6.1790% | 2,562 |
| Cash dividends to net income (ytd only)* | 78.7879% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 870 |
| Loan loss allowance to noncurrent loans | 55.2200% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 2.2886% | 115 |
| Noncurrent loans to loans | 2.9577% | 146 |
| Net loans and leases to total assets | 65.6200% | 2,196 |
| Net loans and leases to deposits | 76.4895% | 2,262 |
| Net loans and leases to core deposits | 77.2533% | 2,672 |
| Total domestic deposits to total assets | 85.7900% | 2,301 |
| Equity capital to assets | 13.5143% | 714 |
| Core capital (leverage) ratio | 11.9913% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $145,582,667 | 3,421 |
| Average earning assets | $134,172,667 | 3,421 |
| Average equity | $18,077,333 | 3,019 |
| Average total loans | $85,454,333 | 3,357 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 1,548 |
| Cost of funding earning assets | 0.5954% | 3,399 |
| Net interest margin | 4.2366% | 895 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.3403% | 2,702 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.8191% | 647 |
| Return on assets (ROA) | 1.8191% | 634 |
| Pretax return on assets | 1.8191% | 1,037 |
| Return on Equity (ROE) | 15.2600% | 1,509 |
| Retained earnings to average equity (ytd only) | 3.9486% | 3,282 |
| Net charge-offs to loans | -0.0821% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.0510% | 3,409 |
| Assets per employee ($millions) | 6.1769% | 2,603 |
| Cash dividends to net income (ytd only)* | 74.1228% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 749 |
| Loan loss allowance to noncurrent loans | 58.3496% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.9287% | 130 |
| Noncurrent loans to loans | 2.9714% | 150 |
| Net loans and leases to total assets | 59.8000% | 2,678 |
| Net loans and leases to deposits | 68.8666% | 2,705 |
| Net loans and leases to core deposits | 69.8454% | 2,964 |
| Total domestic deposits to total assets | 86.8400% | 2,323 |
| Equity capital to assets | 12.7580% | 812 |
| Core capital (leverage) ratio | 11.5881% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $150,405,500 | 3,419 |
| Average earning assets | $139,074,000 | 3,417 |
| Average equity | $17,930,500 | 3,054 |
| Average total loans | $82,841,500 | 3,422 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2532% | 3,703 |
| Cost of funding earning assets | 0.2756% | 3,088 |
| Net interest margin | 2.9775% | 3,504 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.9362% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1817% | 1,854 |
| Return on assets (ROA) | 1.1817% | 1,783 |
| Pretax return on assets | 1.1817% | 2,503 |
| Return on Equity (ROE) | 11.9800% | 2,145 |
| Retained earnings to average equity (ytd only) | 0.6061% | 4,259 |
| Net charge-offs to loans | 0.7247% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.0207% | 2,432 |
| Efficiency ratio | 62.0983% | 2,749 |
| Assets per employee ($millions) | 6.9019% | 2,043 |
| Cash dividends to net income (ytd only)* | 94.9415% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 666 |
| Loan loss allowance to noncurrent loans | 53.7939% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 151 |
| Noncurrent loans to loans | 3.3437% | 116 |
| Net loans and leases to total assets | 49.0100% | 3,586 |
| Net loans and leases to deposits | 56.4043% | 3,552 |
| Net loans and leases to core deposits | 56.8739% | 3,685 |
| Total domestic deposits to total assets | 86.8900% | 2,426 |
| Equity capital to assets | 11.1728% | 1,193 |
| Core capital (leverage) ratio | 10.0860% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $180,665,200 | 3,185 |
| Average earning assets | $168,697,800 | 3,170 |
| Average equity | $17,819,800 | 3,138 |
| Average total loans | $73,274,400 | 3,519 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0062% | 3,876 |
| Cost of funding earning assets | 0.2404% | 2,814 |
| Net interest margin | 2.7658% | 3,807 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.9225% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0364% | 2,335 |
| Return on assets (ROA) | 1.0364% | 2,304 |
| Pretax return on assets | 1.0364% | 2,913 |
| Return on Equity (ROE) | 10.8100% | 2,463 |
| Retained earnings to average equity (ytd only) | -0.5456% | 4,391 |
| Net charge-offs to loans | 0.9844% | 49 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.7302% | 2,235 |
| Efficiency ratio | 64.9722% | 2,410 |
| Assets per employee ($millions) | 7.7936% | 1,427 |
| Cash dividends to net income (ytd only)* | 105.0449% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9564% | 538 |
| Loan loss allowance to noncurrent loans | 146.1538% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 812 |
| Noncurrent loans to loans | 1.3386% | 547 |
| Net loans and leases to total assets | 39.8400% | 4,076 |
| Net loans and leases to deposits | 44.2384% | 4,099 |
| Net loans and leases to core deposits | 44.4828% | 4,165 |
| Total domestic deposits to total assets | 90.0600% | 1,630 |
| Equity capital to assets | 9.6719% | 1,786 |
| Core capital (leverage) ratio | 9.1589% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $186,145,750 | 3,161 |
| Average earning assets | $174,123,250 | 3,137 |
| Average equity | $17,840,750 | 3,172 |
| Average total loans | $71,787,000 | 3,557 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7435% | 4,080 |
| Cost of funding earning assets | 0.2412% | 2,379 |
| Net interest margin | 2.5023% | 4,082 |
| Noninterest income to average assets | 0.4542% | 2,418 |
| Noninterest expense to average assets | 1.7947% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0051% | 2,134 |
| Return on assets (ROA) | 1.0051% | 2,106 |
| Pretax return on assets | 1.0051% | 2,711 |
| Return on Equity (ROE) | 10.5172% | 2,163 |
| Retained earnings to average equity (ytd only) | -0.7441% | 4,273 |
| Net charge-offs to loans | -0.6187% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1016% | 2,759 |
| Assets per employee ($millions) | 8.0717% | 1,259 |
| Cash dividends to net income (ytd only)* | 107.0750% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1248% | 130 |
| Loan loss allowance to noncurrent loans | 119.6811% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0805% | 419 |
| Noncurrent loans to loans | 2.6109% | 214 |
| Net loans and leases to total assets | 36.3544% | 4,231 |
| Net loans and leases to deposits | 40.4294% | 4,255 |
| Net loans and leases to core deposits | 40.6453% | 4,302 |
| Total domestic deposits to total assets | 89.9208% | 1,742 |
| Equity capital to assets | 9.7237% | 1,865 |
| Core capital (leverage) ratio | 9.1119% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,443,667 | 3,174 |
| Average earning assets | $176,635,000 | 3,158 |
| Average equity | $18,008,667 | 3,233 |
| Average total loans | $71,436,333 | 3,595 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6932% | 3,962 |
| Cost of funding earning assets | 0.2471% | 2,190 |
| Net interest margin | 2.4462% | 3,998 |
| Noninterest income to average assets | 0.7606% | 1,145 |
| Noninterest expense to average assets | 1.8921% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1631% | 1,347 |
| Return on assets (ROA) | 1.1631% | 1,343 |
| Pretax return on assets | 1.1631% | 1,941 |
| Return on Equity (ROE) | 12.2755% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.2755% | 564 |
| Net charge-offs to loans | -1.2168% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9310% | 3,268 |
| Assets per employee ($millions) | 8.1554% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0254% | 156 |
| Loan loss allowance to noncurrent loans | 112.1134% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 404 |
| Noncurrent loans to loans | 2.6985% | 216 |
| Net loans and leases to total assets | 37.1670% | 4,152 |
| Net loans and leases to deposits | 41.3112% | 4,189 |
| Net loans and leases to core deposits | 41.6536% | 4,254 |
| Total domestic deposits to total assets | 89.9683% | 1,585 |
| Equity capital to assets | 9.7534% | 2,086 |
| Core capital (leverage) ratio | 9.3192% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,840,500 | 3,173 |
| Average earning assets | $178,075,000 | 3,157 |
| Average equity | $17,987,000 | 3,328 |
| Average total loans | $72,320,000 | 3,580 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3001% | 3,218 |
| Cost of funding earning assets | 0.2778% | 2,621 |
| Net interest margin | 3.0223% | 3,141 |
| Noninterest income to average assets | 0.1437% | 4,439 |
| Noninterest expense to average assets | 1.7713% | 4,191 |
| Loan and lease loss provision to assets | 0.0551% | 1,950 |
| Net operating income to assets | 1.1447% | 2,131 |
| Return on assets (ROA) | 1.1447% | 2,185 |
| Pretax return on assets | 1.1447% | 2,833 |
| Return on Equity (ROE) | 12.5747% | 1,616 |
| Retained earnings to average equity (ytd only) | 0.3145% | 4,411 |
| Net charge-offs to loans | -0.1499% | 4,665 |
| Credit loss provision to net charge-offs | -87.7193% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6182% | 3,211 |
| Assets per employee ($millions) | 8.0044% | 1,330 |
| Cash dividends to net income (ytd only)* | 97.4988% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6887% | 220 |
| Loan loss allowance to noncurrent loans | 73.2584% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.4872% | 283 |
| Noncurrent loans to loans | 3.6702% | 130 |
| Net loans and leases to total assets | 36.8510% | 4,247 |
| Net loans and leases to deposits | 40.8337% | 4,313 |
| Net loans and leases to core deposits | 41.1030% | 4,365 |
| Total domestic deposits to total assets | 90.2465% | 844 |
| Equity capital to assets | 9.2027% | 3,419 |
| Core capital (leverage) ratio | 8.8149% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,616,400 | 3,197 |
| Average earning assets | $169,906,000 | 3,189 |
| Average equity | $16,533,200 | 3,503 |
| Average total loans | $76,047,600 | 3,541 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4888% | 2,863 |
| Cost of funding earning assets | 0.2838% | 2,760 |
| Net interest margin | 3.2049% | 2,713 |
| Noninterest income to average assets | 0.1348% | 4,525 |
| Noninterest expense to average assets | 1.7639% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3654% | 1,641 |
| Return on assets (ROA) | 1.3654% | 1,696 |
| Pretax return on assets | 1.3654% | 2,449 |
| Return on Equity (ROE) | 15.0426% | 1,131 |
| Retained earnings to average equity (ytd only) | 2.5687% | 4,038 |
| Net charge-offs to loans | -0.1925% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3675% | 3,489 |
| Assets per employee ($millions) | 8.1490% | 1,207 |
| Cash dividends to net income (ytd only)* | 82.9242% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4259% | 319 |
| Loan loss allowance to noncurrent loans | 54.9881% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.8967% | 210 |
| Noncurrent loans to loans | 4.4117% | 101 |
| Net loans and leases to total assets | 39.7438% | 4,220 |
| Net loans and leases to deposits | 43.8580% | 4,316 |
| Net loans and leases to core deposits | 44.1533% | 4,372 |
| Total domestic deposits to total assets | 90.6193% | 496 |
| Equity capital to assets | 9.0600% | 3,774 |
| Core capital (leverage) ratio | 9.5217% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,994,000 | 3,248 |
| Average earning assets | $167,237,750 | 3,243 |
| Average equity | $16,246,750 | 3,568 |
| Average total loans | $76,872,250 | 3,584 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6389% | 2,502 |
| Cost of funding earning assets | 0.2891% | 2,882 |
| Net interest margin | 3.3499% | 2,301 |
| Noninterest income to average assets | 0.1351% | 4,527 |
| Noninterest expense to average assets | 1.7039% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5620% | 1,141 |
| Return on assets (ROA) | 1.5620% | 1,202 |
| Pretax return on assets | 1.5620% | 1,844 |
| Return on Equity (ROE) | 17.1979% | 752 |
| Retained earnings to average equity (ytd only) | 4.5244% | 3,354 |
| Net charge-offs to loans | -0.1609% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1724% | 4,028 |
| Assets per employee ($millions) | 8.4787% | 1,015 |
| Cash dividends to net income (ytd only)* | 73.6919% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2755% | 382 |
| Loan loss allowance to noncurrent loans | 64.5184% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.6737% | 309 |
| Noncurrent loans to loans | 3.5269% | 177 |
| Net loans and leases to total assets | 43.4643% | 4,079 |
| Net loans and leases to deposits | 47.8442% | 4,229 |
| Net loans and leases to core deposits | 48.2909% | 4,312 |
| Total domestic deposits to total assets | 90.8454% | 418 |
| Equity capital to assets | 8.8328% | 3,939 |
| Core capital (leverage) ratio | 9.9337% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,182,667 | 3,277 |
| Average earning assets | $164,663,000 | 3,268 |
| Average equity | $16,002,000 | 3,589 |
| Average total loans | $77,048,667 | 3,602 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 2,168 |
| Cost of funding earning assets | 0.2954% | 3,045 |
| Net interest margin | 3.4812% | 1,876 |
| Noninterest income to average assets | 0.1369% | 4,522 |
| Noninterest expense to average assets | 1.7278% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6639% | 1,001 |
| Return on assets (ROA) | 1.6639% | 1,048 |
| Pretax return on assets | 1.6639% | 1,571 |
| Return on Equity (ROE) | 18.0675% | 722 |
| Retained earnings to average equity (ytd only) | 18.0675% | 367 |
| Net charge-offs to loans | -0.2001% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9421% | 4,105 |
| Assets per employee ($millions) | 8.4142% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3004% | 365 |
| Loan loss allowance to noncurrent loans | 59.0050% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.8121% | 305 |
| Noncurrent loans to loans | 3.8986% | 142 |
| Net loans and leases to total assets | 42.7603% | 4,190 |
| Net loans and leases to deposits | 47.3388% | 4,290 |
| Net loans and leases to core deposits | 47.6355% | 4,385 |
| Total domestic deposits to total assets | 90.3282% | 653 |
| Equity capital to assets | 9.3255% | 3,362 |
| Core capital (leverage) ratio | 10.2120% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,248,000 | 3,285 |
| Average earning assets | $163,852,000 | 3,274 |
| Average equity | $16,139,500 | 3,592 |
| Average total loans | $75,977,500 | 3,628 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 2,672 |
| Cost of funding earning assets | 0.4296% | 3,409 |
| Net interest margin | 3.5883% | 2,174 |
| Noninterest income to average assets | 0.1346% | 4,611 |
| Noninterest expense to average assets | 1.8874% | 4,338 |
| Loan and lease loss provision to assets | 0.3364% | 1,044 |
| Net operating income to assets | 1.2361% | 1,428 |
| Return on assets (ROA) | 1.2361% | 1,532 |
| Pretax return on assets | 1.2361% | 2,204 |
| Return on Equity (ROE) | 12.3662% | 1,212 |
| Retained earnings to average equity (ytd only) | -0.0367% | 4,520 |
| Net charge-offs to loans | 0.4394% | 380 |
| Credit loss provision to net charge-offs | 147.0588% | 2,441 |
| Earnings coverage of net charge-offs (x) | 6.8743% | 2,740 |
| Efficiency ratio | 54.5519% | 4,152 |
| Assets per employee ($millions) | 7.8999% | 1,075 |
| Cash dividends to net income (ytd only)* | 100.2969% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3318% | 334 |
| Loan loss allowance to noncurrent loans | 45.7293% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 2.2969% | 218 |
| Noncurrent loans to loans | 5.0992% | 81 |
| Net loans and leases to total assets | 41.9334% | 4,358 |
| Net loans and leases to deposits | 46.5755% | 4,442 |
| Net loans and leases to core deposits | 46.8729% | 4,520 |
| Total domestic deposits to total assets | 90.0332% | 554 |
| Equity capital to assets | 9.0916% | 3,978 |
| Core capital (leverage) ratio | 9.7977% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,502,200 | 3,255 |
| Average earning assets | $151,521,800 | 3,252 |
| Average equity | $16,343,000 | 3,516 |
| Average total loans | $85,107,200 | 3,482 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 2,096 |
| Cost of funding earning assets | 0.4687% | 3,427 |
| Net interest margin | 3.8321% | 1,528 |
| Noninterest income to average assets | 0.1309% | 4,635 |
| Noninterest expense to average assets | 1.6852% | 4,643 |
| Loan and lease loss provision to assets | 0.3933% | 912 |
| Net operating income to assets | 1.5949% | 735 |
| Return on assets (ROA) | 1.5949% | 808 |
| Pretax return on assets | 1.5949% | 1,198 |
| Return on Equity (ROE) | 15.5755% | 603 |
| Retained earnings to average equity (ytd only) | 3.2769% | 3,404 |
| Net charge-offs to loans | 0.6505% | 219 |
| Credit loss provision to net charge-offs | 110.9813% | 2,545 |
| Earnings coverage of net charge-offs (x) | 5.6075% | 2,721 |
| Efficiency ratio | 45.8728% | 4,722 |
| Assets per employee ($millions) | 7.6883% | 1,127 |
| Cash dividends to net income (ytd only)* | 78.9610% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 661 |
| Loan loss allowance to noncurrent loans | 28.9096% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 3.5804% | 104 |
| Noncurrent loans to loans | 6.3842% | 66 |
| Net loans and leases to total assets | 50.6843% | 4,057 |
| Net loans and leases to deposits | 56.2774% | 4,243 |
| Net loans and leases to core deposits | 56.5122% | 4,367 |
| Total domestic deposits to total assets | 90.0617% | 406 |
| Equity capital to assets | 9.6138% | 3,592 |
| Core capital (leverage) ratio | 10.3158% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,928,500 | 3,263 |
| Average earning assets | $148,773,250 | 3,258 |
| Average equity | $16,478,500 | 3,507 |
| Average total loans | $87,729,250 | 3,459 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 2,961 |
| Cost of funding earning assets | 0.5315% | 3,338 |
| Net interest margin | 3.6013% | 2,478 |
| Noninterest income to average assets | 0.1340% | 4,636 |
| Noninterest expense to average assets | 1.8231% | 4,532 |
| Loan and lease loss provision to assets | 0.4109% | 971 |
| Net operating income to assets | 1.2327% | 1,538 |
| Return on assets (ROA) | 1.2327% | 1,659 |
| Pretax return on assets | 1.2327% | 2,245 |
| Return on Equity (ROE) | 11.7818% | 1,393 |
| Retained earnings to average equity (ytd only) | -0.4713% | 4,399 |
| Net charge-offs to loans | 1.0631% | 133 |
| Credit loss provision to net charge-offs | 69.5931% | 2,552 |
| Earnings coverage of net charge-offs (x) | 2.7837% | 2,736 |
| Efficiency ratio | 52.5894% | 4,318 |
| Assets per employee ($millions) | 7.7975% | 1,042 |
| Cash dividends to net income (ytd only)* | 104.0000% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 1,104 |
| Loan loss allowance to noncurrent loans | 24.8993% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 3.5000% | 111 |
| Noncurrent loans to loans | 6.2658% | 70 |
| Net loans and leases to total assets | 52.3038% | 4,008 |
| Net loans and leases to deposits | 58.0411% | 4,222 |
| Net loans and leases to core deposits | 58.3764% | 4,339 |
| Total domestic deposits to total assets | 90.1151% | 376 |
| Equity capital to assets | 9.5655% | 3,596 |
| Core capital (leverage) ratio | 10.4018% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,190,333 | 3,266 |
| Average earning assets | $146,391,333 | 3,260 |
| Average equity | $16,551,000 | 3,497 |
| Average total loans | $87,858,667 | 3,461 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 2,433 |
| Cost of funding earning assets | 0.6573% | 3,135 |
| Net interest margin | 3.7978% | 1,981 |
| Noninterest income to average assets | 0.1346% | 4,697 |
| Noninterest expense to average assets | 1.8929% | 4,551 |
| Loan and lease loss provision to assets | 0.4620% | 644 |
| Net operating income to assets | 1.2883% | 1,274 |
| Return on assets (ROA) | 1.2883% | 1,364 |
| Pretax return on assets | 1.2883% | 1,899 |
| Return on Equity (ROE) | 11.7435% | 1,181 |
| Retained earnings to average equity (ytd only) | 11.7435% | 454 |
| Net charge-offs to loans | 2.3383% | 56 |
| Credit loss provision to net charge-offs | 34.7222% | 2,127 |
| Earnings coverage of net charge-offs (x) | 1.3155% | 2,401 |
| Efficiency ratio | 51.9565% | 4,555 |
| Assets per employee ($millions) | 7.0700% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,529 |
| Loan loss allowance to noncurrent loans | 21.6690% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 3.8556% | 107 |
| Noncurrent loans to loans | 6.6853% | 64 |
| Net loans and leases to total assets | 54.0607% | 3,986 |
| Net loans and leases to deposits | 60.8116% | 4,170 |
| Net loans and leases to core deposits | 61.2033% | 4,304 |
| Total domestic deposits to total assets | 88.8987% | 707 |
| Equity capital to assets | 10.9149% | 2,933 |
| Core capital (leverage) ratio | 12.1189% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,513,500 | 3,307 |
| Average earning assets | $139,974,500 | 3,310 |
| Average equity | $16,622,000 | 3,504 |
| Average total loans | $86,215,000 | 3,479 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 587 |
| Cost of funding earning assets | 0.8827% | 2,272 |
| Net interest margin | 4.5898% | 590 |
| Noninterest income to average assets | 0.1736% | 4,620 |
| Noninterest expense to average assets | 2.1566% | 4,253 |
| Loan and lease loss provision to assets | 0.2152% | 920 |
| Net operating income to assets | 2.0196% | 335 |
| Return on assets (ROA) | 2.0196% | 349 |
| Pretax return on assets | 2.0196% | 575 |
| Return on Equity (ROE) | 16.8409% | 439 |
| Retained earnings to average equity (ytd only) | 4.7186% | 2,575 |
| Net charge-offs to loans | 0.2615% | 791 |
| Credit loss provision to net charge-offs | 123.4568% | 2,059 |
| Earnings coverage of net charge-offs (x) | 12.8230% | 2,395 |
| Efficiency ratio | 49.1099% | 4,779 |
| Assets per employee ($millions) | 6.7040% | 1,177 |
| Cash dividends to net income (ytd only)* | 71.9815% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 666 |
| Loan loss allowance to noncurrent loans | 39.0512% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.9135% | 189 |
| Noncurrent loans to loans | 4.5977% | 119 |
| Net loans and leases to total assets | 58.0010% | 3,768 |
| Net loans and leases to deposits | 65.7277% | 3,970 |
| Net loans and leases to core deposits | 66.1762% | 4,185 |
| Total domestic deposits to total assets | 88.2444% | 1,005 |
| Equity capital to assets | 11.0294% | 2,966 |
| Core capital (leverage) ratio | 11.7422% | 1,930 |
| Tier 1 risk-based capital ratio | 16.7770% | 2,131 |
| Total risk-based capital ratio | 18.0294% | 2,068 |
| Memoranda: | ||
| Average total assets | $139,432,400 | 3,443 |
| Average earning assets | $128,132,600 | 3,459 |
| Average equity | $16,721,200 | 3,467 |
| Average total loans | $92,914,600 | 3,340 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 382 |
| Cost of funding earning assets | 0.9245% | 2,119 |
| Net interest margin | 4.8284% | 396 |
| Noninterest income to average assets | 0.1746% | 4,671 |
| Noninterest expense to average assets | 2.3305% | 3,876 |
| Loan and lease loss provision to assets | 0.2183% | 788 |
| Net operating income to assets | 2.0598% | 353 |
| Return on assets (ROA) | 2.0598% | 365 |
| Pretax return on assets | 2.0598% | 601 |
| Return on Equity (ROE) | 16.8140% | 502 |
| Retained earnings to average equity (ytd only) | 4.7757% | 3,007 |
| Net charge-offs to loans | 0.3306% | 522 |
| Credit loss provision to net charge-offs | 96.1538% | 2,326 |
| Earnings coverage of net charge-offs (x) | 10.0343% | 2,531 |
| Efficiency ratio | 50.5684% | 4,706 |
| Assets per employee ($millions) | 6.4133% | 1,320 |
| Cash dividends to net income (ytd only)* | 71.5968% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,099 |
| Loan loss allowance to noncurrent loans | 34.9243% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 3.1363% | 172 |
| Noncurrent loans to loans | 4.4544% | 135 |
| Net loans and leases to total assets | 67.2760% | 2,889 |
| Net loans and leases to deposits | 76.8971% | 3,210 |
| Net loans and leases to core deposits | 77.4486% | 3,593 |
| Total domestic deposits to total assets | 87.4883% | 1,259 |
| Equity capital to assets | 12.1098% | 2,180 |
| Core capital (leverage) ratio | 12.1203% | 1,776 |
| Tier 1 risk-based capital ratio | 15.1113% | 2,798 |
| Total risk-based capital ratio | 16.3617% | 2,728 |
| Memoranda: | ||
| Average total assets | $137,418,750 | 3,504 |
| Average earning assets | $126,195,000 | 3,516 |
| Average equity | $16,834,750 | 3,475 |
| Average total loans | $94,366,250 | 3,346 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 434 |
| Cost of funding earning assets | 0.8969% | 2,164 |
| Net interest margin | 4.7588% | 443 |
| Noninterest income to average assets | 0.1703% | 4,731 |
| Noninterest expense to average assets | 2.3584% | 3,852 |
| Loan and lease loss provision to assets | 0.2203% | 753 |
| Net operating income to assets | 1.9781% | 404 |
| Return on assets (ROA) | 1.9781% | 423 |
| Pretax return on assets | 1.9781% | 705 |
| Return on Equity (ROE) | 16.0826% | 576 |
| Retained earnings to average equity (ytd only) | 3.9759% | 3,263 |
| Net charge-offs to loans | 0.4611% | 350 |
| Credit loss provision to net charge-offs | 69.4444% | 2,323 |
| Earnings coverage of net charge-offs (x) | 6.9306% | 2,538 |
| Efficiency ratio | 51.7564% | 4,669 |
| Assets per employee ($millions) | 6.3876% | 1,290 |
| Cash dividends to net income (ytd only)* | 75.2784% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,214 |
| Loan loss allowance to noncurrent loans | 39.2702% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.7055% | 250 |
| Noncurrent loans to loans | 3.8653% | 190 |
| Net loans and leases to total assets | 66.5765% | 3,030 |
| Net loans and leases to deposits | 75.9658% | 3,337 |
| Net loans and leases to core deposits | 76.5094% | 3,682 |
| Total domestic deposits to total assets | 87.6401% | 1,271 |
| Equity capital to assets | 11.9664% | 2,208 |
| Core capital (leverage) ratio | 12.1772% | 1,710 |
| Tier 1 risk-based capital ratio | 15.3262% | 2,694 |
| Total risk-based capital ratio | 16.5763% | 2,627 |
| Memoranda: | ||
| Average total assets | $136,194,330 | 3,541 |
| Average earning assets | $125,537,000 | 3,541 |
| Average equity | $16,751,000 | 3,490 |
| Average total loans | $93,681,330 | 3,383 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6077% | 425 |
| Cost of funding earning assets | 0.7974% | 2,551 |
| Net interest margin | 4.8103% | 401 |
| Noninterest income to average assets | 0.1731% | 4,700 |
| Noninterest expense to average assets | 2.3040% | 4,008 |
| Loan and lease loss provision to assets | 0.2238% | 695 |
| Net operating income to assets | 2.0742% | 344 |
| Return on assets (ROA) | 2.0742% | 360 |
| Pretax return on assets | 2.0742% | 561 |
| Return on Equity (ROE) | 16.6283% | 513 |
| Retained earnings to average equity (ytd only) | 16.6283% | 194 |
| Net charge-offs to loans | 0.9503% | 150 |
| Credit loss provision to net charge-offs | 33.9367% | 2,068 |
| Earnings coverage of net charge-offs (x) | 3.4842% | 2,398 |
| Efficiency ratio | 50.0649% | 4,823 |
| Assets per employee ($millions) | 6.2728% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,480 |
| Loan loss allowance to noncurrent loans | 148.8525% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 1,501 |
| Noncurrent loans to loans | 0.9805% | 1,704 |
| Net loans and leases to total assets | 66.6360% | 2,955 |
| Net loans and leases to deposits | 76.4052% | 3,221 |
| Net loans and leases to core deposits | 76.6140% | 3,619 |
| Total domestic deposits to total assets | 87.2140% | 1,710 |
| Equity capital to assets | 12.3984% | 1,803 |
| Core capital (leverage) ratio | 12.6957% | 1,405 |
| Tier 1 risk-based capital ratio | 16.1071% | 2,388 |
| Total risk-based capital ratio | 17.3574% | 2,343 |
| Memoranda: | ||
| Average total assets | $134,028,000 | 3,607 |
| Average earning assets | $123,402,500 | 3,609 |
| Average equity | $16,718,500 | 3,505 |
| Average total loans | $93,022,000 | 3,427 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 744 |
| Cost of funding earning assets | 0.3697% | 4,161 |
| Net interest margin | 4.7961% | 401 |
| Noninterest income to average assets | 0.3548% | 3,725 |
| Noninterest expense to average assets | 1.9405% | 4,835 |
| Loan and lease loss provision to assets | 0.2155% | 844 |
| Net operating income to assets | 2.6336% | 119 |
| Return on assets (ROA) | 2.6336% | 120 |
| Pretax return on assets | 2.6336% | 164 |
| Return on Equity (ROE) | 23.5711% | 115 |
| Retained earnings to average equity (ytd only) | 10.5417% | 517 |
| Net charge-offs to loans | 0.0854% | 1,926 |
| Credit loss provision to net charge-offs | 384.6154% | 851 |
| Earnings coverage of net charge-offs (x) | 50.8590% | 1,123 |
| Efficiency ratio | 40.5158% | 5,275 |
| Assets per employee ($millions) | 5.9115% | 1,584 |
| Cash dividends to net income (ytd only)* | 55.2768% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 971 |
| Loan loss allowance to noncurrent loans | 103.0034% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.3179% | 961 |
| Noncurrent loans to loans | 1.5800% | 934 |
| Net loans and leases to total assets | 70.1355% | 2,547 |
| Net loans and leases to deposits | 82.9995% | 2,623 |
| Net loans and leases to core deposits | 83.2472% | 3,160 |
| Total domestic deposits to total assets | 84.5011% | 2,836 |
| Equity capital to assets | 12.5540% | 1,555 |
| Core capital (leverage) ratio | 11.8136% | 1,861 |
| Tier 1 risk-based capital ratio | 15.6249% | 2,568 |
| Total risk-based capital ratio | 16.8767% | 2,485 |
| Memoranda: | ||
| Average total assets | $139,240,000 | 3,516 |
| Average earning assets | $128,750,200 | 3,511 |
| Average equity | $15,557,200 | 3,568 |
| Average total loans | $91,310,400 | 3,456 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9733% | 984 |
| Cost of funding earning assets | 0.3356% | 4,272 |
| Net interest margin | 4.6377% | 546 |
| Noninterest income to average assets | 0.4060% | 3,443 |
| Noninterest expense to average assets | 1.8482% | 4,981 |
| Loan and lease loss provision to assets | 0.2120% | 794 |
| Net operating income to assets | 2.6424% | 123 |
| Return on assets (ROA) | 2.6424% | 121 |
| Pretax return on assets | 2.6424% | 178 |
| Return on Equity (ROE) | 24.3408% | 100 |
| Retained earnings to average equity (ytd only) | 11.1508% | 611 |
| Net charge-offs to loans | 0.0117% | 2,995 |
| Credit loss provision to net charge-offs | 2,812.5000% | 146 |
| Earnings coverage of net charge-offs (x) | 378.6223% | 250 |
| Efficiency ratio | 39.3029% | 5,346 |
| Assets per employee ($millions) | 6.1051% | 1,413 |
| Cash dividends to net income (ytd only)* | 54.1890% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 1,085 |
| Loan loss allowance to noncurrent loans | 79.2722% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5970% | 786 |
| Noncurrent loans to loans | 2.0181% | 723 |
| Net loans and leases to total assets | 68.8310% | 2,816 |
| Net loans and leases to deposits | 78.2988% | 3,213 |
| Net loans and leases to core deposits | 78.2988% | 3,632 |
| Total domestic deposits to total assets | 87.9081% | 1,277 |
| Equity capital to assets | 11.8455% | 2,007 |
| Core capital (leverage) ratio | 11.5097% | 2,160 |
| Tier 1 risk-based capital ratio | 14.9343% | 2,912 |
| Total risk-based capital ratio | 16.1861% | 2,829 |
| Memoranda: | ||
| Average total assets | $141,536,500 | 3,523 |
| Average earning assets | $131,124,000 | 3,515 |
| Average equity | $15,364,750 | 3,614 |
| Average total loans | $90,957,250 | 3,483 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,479 |
| Cost of funding earning assets | 0.2889% | 4,508 |
| Net interest margin | 4.4213% | 810 |
| Noninterest income to average assets | 0.5099% | 2,805 |
| Noninterest expense to average assets | 1.8063% | 5,083 |
| Loan and lease loss provision to assets | 0.2084% | 807 |
| Net operating income to assets | 2.5996% | 128 |
| Return on assets (ROA) | 2.5996% | 128 |
| Pretax return on assets | 2.5996% | 189 |
| Return on Equity (ROE) | 24.6460% | 94 |
| Retained earnings to average equity (ytd only) | 11.2889% | 619 |
| Net charge-offs to loans | 0.0156% | 2,621 |
| Credit loss provision to net charge-offs | 2,142.8571% | 194 |
| Earnings coverage of net charge-offs (x) | 288.7143% | 314 |
| Efficiency ratio | 39.1448% | 5,416 |
| Assets per employee ($millions) | 6.8652% | 980 |
| Cash dividends to net income (ytd only)* | 54.1956% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 1,204 |
| Loan loss allowance to noncurrent loans | 94.0132% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 1,168 |
| Noncurrent loans to loans | 1.6630% | 959 |
| Net loans and leases to total assets | 62.4073% | 3,551 |
| Net loans and leases to deposits | 70.1596% | 3,839 |
| Net loans and leases to core deposits | 70.1596% | 4,132 |
| Total domestic deposits to total assets | 88.9505% | 953 |
| Equity capital to assets | 10.7318% | 2,899 |
| Core capital (leverage) ratio | 11.0148% | 2,512 |
| Tier 1 risk-based capital ratio | 14.6844% | 3,024 |
| Total risk-based capital ratio | 15.9348% | 2,950 |
| Memoranda: | ||
| Average total assets | $143,944,330 | 3,514 |
| Average earning assets | $133,627,330 | 3,504 |
| Average equity | $15,183,000 | 3,657 |
| Average total loans | $89,959,000 | 3,517 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,544 |
| Cost of funding earning assets | 0.2512% | 4,703 |
| Net interest margin | 4.3570% | 842 |
| Noninterest income to average assets | 0.1780% | 4,959 |
| Noninterest expense to average assets | 1.8188% | 5,132 |
| Loan and lease loss provision to assets | 0.2086% | 778 |
| Net operating income to assets | 2.2026% | 245 |
| Return on assets (ROA) | 2.2026% | 244 |
| Pretax return on assets | 2.2026% | 379 |
| Return on Equity (ROE) | 21.0659% | 193 |
| Retained earnings to average equity (ytd only) | 21.0659% | 85 |
| Net charge-offs to loans | 0.0224% | 2,055 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 173.4000% | 376 |
| Efficiency ratio | 42.9980% | 5,377 |
| Assets per employee ($millions) | 7.0715% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,386 |
| Loan loss allowance to noncurrent loans | 47.5289% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 2.0300% | 551 |
| Noncurrent loans to loans | 3.2019% | 355 |
| Net loans and leases to total assets | 62.0431% | 3,543 |
| Net loans and leases to deposits | 69.8072% | 3,803 |
| Net loans and leases to core deposits | 69.8072% | 4,091 |
| Total domestic deposits to total assets | 88.8778% | 1,158 |
| Equity capital to assets | 10.8903% | 2,691 |
| Core capital (leverage) ratio | 10.9457% | 2,493 |
| Tier 1 risk-based capital ratio | 14.8200% | 2,968 |
| Total risk-based capital ratio | 16.0700% | 2,898 |
| Memoranda: | ||
| Average total assets | $143,832,000 | 3,549 |
| Average earning assets | $133,763,000 | 3,536 |
| Average equity | $15,038,500 | 3,704 |
| Average total loans | $89,238,000 | 3,565 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 1,546 |
| Cost of funding earning assets | 0.2146% | 4,830 |
| Net interest margin | 4.3433% | 874 |
| Noninterest income to average assets | 0.2714% | 4,501 |
| Noninterest expense to average assets | 1.9555% | 5,037 |
| Loan and lease loss provision to assets | 0.2072% | 979 |
| Net operating income to assets | 2.1330% | 219 |
| Return on assets (ROA) | 2.1330% | 226 |
| Pretax return on assets | 2.1330% | 367 |
| Return on Equity (ROE) | 21.7428% | 131 |
| Retained earnings to average equity (ytd only) | 7.4752% | 927 |
| Net charge-offs to loans | 0.8193% | 240 |
| Credit loss provision to net charge-offs | 40.8163% | 3,435 |
| Earnings coverage of net charge-offs (x) | 4.6109% | 3,439 |
| Efficiency ratio | 45.5232% | 5,406 |
| Assets per employee ($millions) | 7.3118% | 841 |
| Cash dividends to net income (ytd only)* | 65.6199% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 1,620 |
| Loan loss allowance to noncurrent loans | 51.6673% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.7178% | 740 |
| Noncurrent loans to loans | 2.7850% | 427 |
| Net loans and leases to total assets | 60.2366% | 3,805 |
| Net loans and leases to deposits | 67.5012% | 4,061 |
| Net loans and leases to core deposits | 67.5012% | 4,331 |
| Total domestic deposits to total assets | 89.2379% | 892 |
| Equity capital to assets | 10.0352% | 3,669 |
| Core capital (leverage) ratio | 10.0051% | 3,451 |
| Tier 1 risk-based capital ratio | 13.8585% | 3,440 |
| Total risk-based capital ratio | 15.0638% | 3,376 |
| Memoranda: | ||
| Average total assets | $144,822,000 | 3,542 |
| Average earning assets | $134,184,200 | 3,540 |
| Average equity | $14,207,000 | 3,819 |
| Average total loans | $89,705,800 | 3,533 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 1,504 |
| Cost of funding earning assets | 0.2074% | 4,912 |
| Net interest margin | 4.3421% | 832 |
| Noninterest income to average assets | 0.1818% | 5,108 |
| Noninterest expense to average assets | 2.0018% | 4,948 |
| Loan and lease loss provision to assets | 0.2077% | 910 |
| Net operating income to assets | 1.9916% | 320 |
| Return on assets (ROA) | 1.9916% | 326 |
| Pretax return on assets | 1.9916% | 562 |
| Return on Equity (ROE) | 20.4206% | 204 |
| Retained earnings to average equity (ytd only) | 6.0373% | 2,207 |
| Net charge-offs to loans | 0.2495% | 866 |
| Credit loss provision to net charge-offs | 133.9286% | 1,837 |
| Earnings coverage of net charge-offs (x) | 14.1848% | 2,309 |
| Efficiency ratio | 47.6494% | 5,362 |
| Assets per employee ($millions) | 6.4998% | 1,179 |
| Cash dividends to net income (ytd only)* | 70.4358% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9438% | 643 |
| Loan loss allowance to noncurrent loans | 58.7380% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.6301% | 390 |
| Noncurrent loans to loans | 3.3092% | 353 |
| Net loans and leases to total assets | 62.7248% | 3,577 |
| Net loans and leases to deposits | 69.8785% | 3,972 |
| Net loans and leases to core deposits | 70.1595% | 4,232 |
| Total domestic deposits to total assets | 89.7627% | 556 |
| Equity capital to assets | 10.0178% | 3,892 |
| Core capital (leverage) ratio | 10.0435% | 3,520 |
| Tier 1 risk-based capital ratio | 12.9373% | 4,057 |
| Total risk-based capital ratio | 14.1913% | 3,960 |
| Memoranda: | ||
| Average total assets | $144,468,750 | 3,571 |
| Average earning assets | $133,727,250 | 3,578 |
| Average equity | $14,090,000 | 3,868 |
| Average total loans | $89,789,000 | 3,564 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 1,997 |
| Cost of funding earning assets | 0.1933% | 5,042 |
| Net interest margin | 4.1474% | 1,212 |
| Noninterest income to average assets | 0.1794% | 5,157 |
| Noninterest expense to average assets | 1.9619% | 5,056 |
| Loan and lease loss provision to assets | 0.2070% | 869 |
| Net operating income to assets | 1.8584% | 404 |
| Return on assets (ROA) | 1.8584% | 415 |
| Pretax return on assets | 1.8584% | 730 |
| Return on Equity (ROE) | 19.2268% | 256 |
| Retained earnings to average equity (ytd only) | 4.7675% | 2,875 |
| Net charge-offs to loans | 0.0426% | 2,340 |
| Credit loss provision to net charge-offs | 789.4737% | 465 |
| Earnings coverage of net charge-offs (x) | 78.7895% | 777 |
| Efficiency ratio | 48.7153% | 5,373 |
| Assets per employee ($millions) | 6.8311% | 999 |
| Cash dividends to net income (ytd only)* | 75.2042% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 582 |
| Loan loss allowance to noncurrent loans | 29.7510% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 4.3554% | 146 |
| Noncurrent loans to loans | 6.7837% | 75 |
| Net loans and leases to total assets | 62.6765% | 3,551 |
| Net loans and leases to deposits | 69.6717% | 3,935 |
| Net loans and leases to core deposits | 70.1681% | 4,212 |
| Total domestic deposits to total assets | 89.9598% | 552 |
| Equity capital to assets | 9.7690% | 4,152 |
| Core capital (leverage) ratio | 9.8068% | 3,767 |
| Tier 1 risk-based capital ratio | 12.6012% | 4,240 |
| Total risk-based capital ratio | 13.8561% | 4,146 |
| Memoranda: | ||
| Average total assets | $144,959,670 | 3,581 |
| Average earning assets | $134,493,330 | 3,582 |
| Average equity | $14,011,670 | 3,885 |
| Average total loans | $89,228,000 | 3,592 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 2,106 |
| Cost of funding earning assets | 0.1892% | 5,075 |
| Net interest margin | 4.0583% | 1,323 |
| Noninterest income to average assets | 0.1647% | 5,289 |
| Noninterest expense to average assets | 1.8804% | 5,260 |
| Loan and lease loss provision to assets | 0.2059% | 794 |
| Net operating income to assets | 1.8475% | 413 |
| Return on assets (ROA) | 1.8475% | 426 |
| Pretax return on assets | 1.8475% | 727 |
| Return on Equity (ROE) | 19.2142% | 272 |
| Retained earnings to average equity (ytd only) | 19.2142% | 120 |
| Net charge-offs to loans | 0.1046% | 1,324 |
| Credit loss provision to net charge-offs | 326.0870% | 746 |
| Earnings coverage of net charge-offs (x) | 32.5217% | 1,170 |
| Efficiency ratio | 47.8018% | 5,476 |
| Assets per employee ($millions) | 6.8256% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 687 |
| Loan loss allowance to noncurrent loans | 31.2038% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 3.9801% | 189 |
| Noncurrent loans to loans | 6.3593% | 97 |
| Net loans and leases to total assets | 61.0980% | 3,645 |
| Net loans and leases to deposits | 68.1191% | 3,980 |
| Net loans and leases to core deposits | 68.8756% | 4,228 |
| Total domestic deposits to total assets | 89.6928% | 797 |
| Equity capital to assets | 10.0177% | 3,732 |
| Core capital (leverage) ratio | 9.9266% | 3,596 |
| Tier 1 risk-based capital ratio | 13.1437% | 4,000 |
| Total risk-based capital ratio | 14.3981% | 3,904 |
| Memoranda: | ||
| Average total assets | $145,712,500 | 3,605 |
| Average earning assets | $135,327,500 | 3,601 |
| Average equity | $14,010,500 | 3,919 |
| Average total loans | $87,960,000 | 3,647 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 2,702 |
| Cost of funding earning assets | 0.1934% | 5,084 |
| Net interest margin | 3.9449% | 1,805 |
| Noninterest income to average assets | 0.1978% | 5,226 |
| Noninterest expense to average assets | 1.8008% | 5,468 |
| Loan and lease loss provision to assets | 0.4348% | 337 |
| Net operating income to assets | 1.6169% | 650 |
| Return on assets (ROA) | 1.6169% | 677 |
| Pretax return on assets | 1.6169% | 1,226 |
| Return on Equity (ROE) | 16.4918% | 460 |
| Retained earnings to average equity (ytd only) | -10.9539% | 5,793 |
| Net charge-offs to loans | 0.4368% | 586 |
| Credit loss provision to net charge-offs | 168.8144% | 1,638 |
| Earnings coverage of net charge-offs (x) | 7.9665% | 2,942 |
| Efficiency ratio | 46.7436% | 5,619 |
| Assets per employee ($millions) | 7.0518% | 901 |
| Cash dividends to net income (ytd only)* | 166.4204% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 671 |
| Loan loss allowance to noncurrent loans | 42.2746% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.7646% | 397 |
| Noncurrent loans to loans | 4.7025% | 185 |
| Net loans and leases to total assets | 57.2970% | 4,140 |
| Net loans and leases to deposits | 63.8532% | 4,425 |
| Net loans and leases to core deposits | 64.3427% | 4,615 |
| Total domestic deposits to total assets | 89.7325% | 761 |
| Equity capital to assets | 9.2256% | 4,552 |
| Core capital (leverage) ratio | 9.0831% | 4,640 |
| Tier 1 risk-based capital ratio | 12.7420% | 4,247 |
| Total risk-based capital ratio | 13.9954% | 4,130 |
| Memoranda: | ||
| Average total assets | $150,656,200 | 3,513 |
| Average earning assets | $139,572,200 | 3,499 |
| Average equity | $14,771,000 | 3,836 |
| Average total loans | $88,820,600 | 3,599 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 2,086 |
| Cost of funding earning assets | 0.1931% | 5,136 |
| Net interest margin | 4.1353% | 1,295 |
| Noninterest income to average assets | 0.1948% | 5,302 |
| Noninterest expense to average assets | 1.8638% | 5,440 |
| Loan and lease loss provision to assets | 0.1322% | 1,775 |
| Net operating income to assets | 2.0295% | 325 |
| Return on assets (ROA) | 2.0295% | 338 |
| Pretax return on assets | 2.0295% | 535 |
| Return on Equity (ROE) | 20.4050% | 221 |
| Retained earnings to average equity (ytd only) | -6.5388% | 5,781 |
| Net charge-offs to loans | -0.0283% | 5,142 |
| Credit loss provision to net charge-offs | -789.4737% | 5,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3004% | 5,657 |
| Assets per employee ($millions) | 7.5413% | 708 |
| Cash dividends to net income (ytd only)* | 132.0453% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 1,016 |
| Loan loss allowance to noncurrent loans | 35.8912% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 3.0141% | 378 |
| Noncurrent loans to loans | 5.0115% | 169 |
| Net loans and leases to total assets | 58.7498% | 4,023 |
| Net loans and leases to deposits | 65.2504% | 4,403 |
| Net loans and leases to core deposits | 65.7393% | 4,627 |
| Total domestic deposits to total assets | 90.0375% | 470 |
| Equity capital to assets | 9.7742% | 4,390 |
| Core capital (leverage) ratio | 9.9036% | 3,691 |
| Tier 1 risk-based capital ratio | 13.2986% | 3,979 |
| Total risk-based capital ratio | 14.5507% | 3,888 |
| Memoranda: | ||
| Average total assets | $151,298,250 | 3,517 |
| Average earning assets | $140,157,000 | 3,514 |
| Average equity | $15,048,250 | 3,827 |
| Average total loans | $89,383,000 | 3,609 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 2,134 |
| Cost of funding earning assets | 0.1950% | 5,196 |
| Net interest margin | 4.1117% | 1,334 |
| Noninterest income to average assets | 0.1915% | 5,352 |
| Noninterest expense to average assets | 1.9108% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0957% | 283 |
| Return on assets (ROA) | 2.0957% | 299 |
| Pretax return on assets | 2.0957% | 472 |
| Return on Equity (ROE) | 20.9500% | 197 |
| Retained earnings to average equity (ytd only) | -12.5014% | 5,907 |
| Net charge-offs to loans | -0.0247% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6928% | 5,685 |
| Assets per employee ($millions) | 6.6347% | 1,032 |
| Cash dividends to net income (ytd only)* | 159.6723% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 1,512 |
| Loan loss allowance to noncurrent loans | 36.1461% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.7932% | 454 |
| Noncurrent loans to loans | 4.4394% | 241 |
| Net loans and leases to total assets | 61.5437% | 3,676 |
| Net loans and leases to deposits | 68.5984% | 4,125 |
| Net loans and leases to core deposits | 69.3981% | 4,375 |
| Total domestic deposits to total assets | 89.7159% | 589 |
| Equity capital to assets | 9.9772% | 4,254 |
| Core capital (leverage) ratio | 9.6816% | 3,957 |
| Tier 1 risk-based capital ratio | 12.9028% | 4,256 |
| Total risk-based capital ratio | 14.1532% | 4,171 |
| Memoranda: | ||
| Average total assets | $151,455,670 | 3,540 |
| Average earning assets | $140,525,000 | 3,532 |
| Average equity | $15,150,330 | 3,841 |
| Average total loans | $89,099,670 | 3,632 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,549 |
| Cost of funding earning assets | 0.1926% | 5,264 |
| Net interest margin | 3.9870% | 1,654 |
| Noninterest income to average assets | 0.1842% | 5,400 |
| Noninterest expense to average assets | 1.9792% | 5,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9092% | 387 |
| Return on assets (ROA) | 1.9092% | 416 |
| Pretax return on assets | 1.9092% | 679 |
| Return on Equity (ROE) | 19.0624% | 290 |
| Retained earnings to average equity (ytd only) | 5.9311% | 2,407 |
| Net charge-offs to loans | -0.0182% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9006% | 5,571 |
| Assets per employee ($millions) | 6.7502% | 987 |
| Cash dividends to net income (ytd only)* | 68.8859% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 1,430 |
| Loan loss allowance to noncurrent loans | 49.3239% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.9053% | 937 |
| Noncurrent loans to loans | 3.3852% | 420 |
| Net loans and leases to total assets | 55.3419% | 4,321 |
| Net loans and leases to deposits | 61.7058% | 4,598 |
| Net loans and leases to core deposits | 64.1192% | 4,682 |
| Total domestic deposits to total assets | 89.6866% | 745 |
| Equity capital to assets | 10.0699% | 3,990 |
| Core capital (leverage) ratio | 10.0251% | 3,511 |
| Tier 1 risk-based capital ratio | 14.4419% | 3,421 |
| Total risk-based capital ratio | 15.6932% | 3,359 |
| Memoranda: | ||
| Average total assets | $154,202,000 | 3,514 |
| Average earning assets | $143,266,000 | 3,506 |
| Average equity | $15,444,000 | 3,822 |
| Average total loans | $88,001,500 | 3,649 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 3,054 |
| Cost of funding earning assets | 0.1820% | 5,431 |
| Net interest margin | 3.8828% | 2,087 |
| Noninterest income to average assets | 0.2911% | 4,809 |
| Noninterest expense to average assets | 1.6267% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2668% | 222 |
| Return on assets (ROA) | 2.2668% | 227 |
| Pretax return on assets | 2.2668% | 306 |
| Return on Equity (ROE) | 25.0938% | 103 |
| Retained earnings to average equity (ytd only) | 10.9567% | 350 |
| Net charge-offs to loans | -0.0111% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7799% | 6,029 |
| Assets per employee ($millions) | 6.3812% | 1,153 |
| Cash dividends to net income (ytd only)* | 56.3369% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 1,494 |
| Loan loss allowance to noncurrent loans | 162.6398% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 3,337 |
| Noncurrent loans to loans | 1.0088% | 2,323 |
| Net loans and leases to total assets | 56.9178% | 4,211 |
| Net loans and leases to deposits | 63.4667% | 4,508 |
| Net loans and leases to core deposits | 65.9846% | 4,593 |
| Total domestic deposits to total assets | 89.6813% | 765 |
| Equity capital to assets | 9.9602% | 4,007 |
| Core capital (leverage) ratio | 9.6393% | 3,992 |
| Tier 1 risk-based capital ratio | 14.2207% | 3,596 |
| Total risk-based capital ratio | 15.4711% | 3,509 |
| Memoranda: | ||
| Average total assets | $158,725,000 | 3,444 |
| Average earning assets | $147,264,000 | 3,442 |
| Average equity | $14,338,200 | 3,933 |
| Average total loans | $89,905,400 | 3,592 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 3,332 |
| Cost of funding earning assets | 0.1777% | 5,573 |
| Net interest margin | 3.8244% | 2,290 |
| Noninterest income to average assets | 0.3422% | 4,492 |
| Noninterest expense to average assets | 1.6521% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2383% | 240 |
| Return on assets (ROA) | 2.2383% | 251 |
| Pretax return on assets | 2.2383% | 376 |
| Return on Equity (ROE) | 25.4011% | 112 |
| Retained earnings to average equity (ytd only) | 6.2463% | 2,094 |
| Net charge-offs to loans | -0.0281% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4658% | 6,077 |
| Assets per employee ($millions) | 6.8712% | 923 |
| Cash dividends to net income (ytd only)* | 75.4093% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 1,780 |
| Loan loss allowance to noncurrent loans | 161.1233% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 3,565 |
| Noncurrent loans to loans | 0.9959% | 2,495 |
| Net loans and leases to total assets | 56.7677% | 4,269 |
| Net loans and leases to deposits | 62.6368% | 4,670 |
| Net loans and leases to core deposits | 63.3028% | 4,850 |
| Total domestic deposits to total assets | 90.6300% | 353 |
| Equity capital to assets | 9.1991% | 5,114 |
| Core capital (leverage) ratio | 9.1926% | 4,739 |
| Tier 1 risk-based capital ratio | 13.1400% | 4,353 |
| Total risk-based capital ratio | 14.3909% | 4,275 |
| Memoranda: | ||
| Average total assets | $160,119,000 | 3,457 |
| Average earning assets | $148,551,250 | 3,456 |
| Average equity | $14,109,250 | 3,997 |
| Average total loans | $90,226,000 | 3,620 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 3,684 |
| Cost of funding earning assets | 0.1728% | 5,671 |
| Net interest margin | 3.7282% | 2,589 |
| Noninterest income to average assets | 0.4042% | 4,056 |
| Noninterest expense to average assets | 1.6827% | 5,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1827% | 265 |
| Return on assets (ROA) | 2.1827% | 283 |
| Pretax return on assets | 2.1827% | 429 |
| Return on Equity (ROE) | 25.1319% | 117 |
| Retained earnings to average equity (ytd only) | 3.3652% | 3,898 |
| Net charge-offs to loans | -0.0356% | 5,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5328% | 6,131 |
| Assets per employee ($millions) | 7.2166% | 760 |
| Cash dividends to net income (ytd only)* | 86.6097% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 1,967 |
| Loan loss allowance to noncurrent loans | 131.2950% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 3,298 |
| Noncurrent loans to loans | 1.2041% | 2,250 |
| Net loans and leases to total assets | 57.2471% | 4,190 |
| Net loans and leases to deposits | 62.9735% | 4,622 |
| Net loans and leases to core deposits | 63.6375% | 4,836 |
| Total domestic deposits to total assets | 90.9067% | 322 |
| Equity capital to assets | 8.8464% | 5,392 |
| Core capital (leverage) ratio | 8.7317% | 5,289 |
| Tier 1 risk-based capital ratio | 12.6398% | 4,717 |
| Total risk-based capital ratio | 13.8898% | 4,644 |
| Memoranda: | ||
| Average total assets | $160,813,000 | 3,477 |
| Average earning assets | $149,295,670 | 3,463 |
| Average equity | $13,966,330 | 4,047 |
| Average total loans | $89,909,000 | 3,648 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 3,948 |
| Cost of funding earning assets | 0.1651% | 5,813 |
| Net interest margin | 3.6509% | 2,814 |
| Noninterest income to average assets | 0.1878% | 5,585 |
| Noninterest expense to average assets | 1.7153% | 5,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8611% | 434 |
| Return on assets (ROA) | 1.8611% | 462 |
| Pretax return on assets | 1.8611% | 773 |
| Return on Equity (ROE) | 21.6271% | 198 |
| Retained earnings to average equity (ytd only) | 7.0654% | 1,983 |
| Net charge-offs to loans | -0.0586% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9613% | 6,022 |
| Assets per employee ($millions) | 7.6601% | 629 |
| Cash dividends to net income (ytd only)* | 67.3307% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 1,865 |
| Loan loss allowance to noncurrent loans | 182.6851% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 3,130 |
| Noncurrent loans to loans | 0.9061% | 2,973 |
| Net loans and leases to total assets | 53.7778% | 4,473 |
| Net loans and leases to deposits | 59.0337% | 4,827 |
| Net loans and leases to core deposits | 59.6463% | 5,018 |
| Total domestic deposits to total assets | 91.0967% | 337 |
| Equity capital to assets | 8.7653% | 5,535 |
| Core capital (leverage) ratio | 8.6547% | 5,373 |
| Tier 1 risk-based capital ratio | 13.1866% | 4,507 |
| Total risk-based capital ratio | 14.4378% | 4,420 |
| Memoranda: | ||
| Average total assets | $161,836,500 | 3,484 |
| Average earning assets | $150,210,000 | 3,463 |
| Average equity | $13,927,000 | 4,082 |
| Average total loans | $88,689,000 | 3,679 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,665 |
| Cost of funding earning assets | 0.2007% | 5,740 |
| Net interest margin | 3.8163% | 2,565 |
| Noninterest income to average assets | 0.1696% | 5,841 |
| Noninterest expense to average assets | 1.6883% | 6,167 |
| Loan and lease loss provision to assets | 0.0650% | 3,207 |
| Net operating income to assets | 1.9755% | 343 |
| Return on assets (ROA) | 1.9755% | 354 |
| Pretax return on assets | 1.9755% | 536 |
| Return on Equity (ROE) | 23.2939% | 142 |
| Retained earnings to average equity (ytd only) | 7.7621% | 1,107 |
| Net charge-offs to loans | 0.0090% | 4,730 |
| Credit loss provision to net charge-offs | 1,250.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 392.5000% | 134 |
| Efficiency ratio | 45.2771% | 6,291 |
| Assets per employee ($millions) | 7.4005% | 690 |
| Cash dividends to net income (ytd only)* | 66.6776% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 2,043 |
| Loan loss allowance to noncurrent loans | 744.3299% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 4,449 |
| Noncurrent loans to loans | 0.2170% | 5,039 |
| Net loans and leases to total assets | 54.0320% | 4,578 |
| Net loans and leases to deposits | 59.2391% | 4,962 |
| Net loans and leases to core deposits | 59.8456% | 5,153 |
| Total domestic deposits to total assets | 91.2101% | 301 |
| Equity capital to assets | 8.4478% | 5,794 |
| Core capital (leverage) ratio | 8.5544% | 5,493 |
| Tier 1 risk-based capital ratio | 13.2713% | 4,553 |
| Total risk-based capital ratio | 14.5232% | 4,477 |
| Memoranda: | ||
| Average total assets | $153,884,400 | 3,576 |
| Average earning assets | $143,516,000 | 3,547 |
| Average equity | $13,050,600 | 4,184 |
| Average total loans | $89,324,000 | 3,645 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,571 |
| Cost of funding earning assets | 0.2061% | 5,773 |
| Net interest margin | 3.8411% | 2,471 |
| Noninterest income to average assets | 0.1451% | 6,049 |
| Noninterest expense to average assets | 1.7109% | 6,205 |
| Loan and lease loss provision to assets | 0.0879% | 2,592 |
| Net operating income to assets | 1.9351% | 391 |
| Return on assets (ROA) | 1.9351% | 402 |
| Pretax return on assets | 1.9351% | 656 |
| Return on Equity (ROE) | 22.7934% | 163 |
| Retained earnings to average equity (ytd only) | 1.8019% | 5,149 |
| Net charge-offs to loans | -0.0343% | 5,789 |
| Credit loss provision to net charge-offs | -434.7826% | 5,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8206% | 6,298 |
| Assets per employee ($millions) | 7.1395% | 760 |
| Cash dividends to net income (ytd only)* | 92.0946% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 2,062 |
| Loan loss allowance to noncurrent loans | 257.4171% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 3,738 |
| Noncurrent loans to loans | 0.6496% | 3,988 |
| Net loans and leases to total assets | 55.2159% | 4,437 |
| Net loans and leases to deposits | 60.3595% | 4,907 |
| Net loans and leases to core deposits | 60.9976% | 5,119 |
| Total domestic deposits to total assets | 91.4783% | 240 |
| Equity capital to assets | 8.2250% | 5,997 |
| Core capital (leverage) ratio | 8.3466% | 5,808 |
| Tier 1 risk-based capital ratio | 13.0514% | 4,835 |
| Total risk-based capital ratio | 14.3039% | 4,759 |
| Memoranda: | ||
| Average total assets | $151,652,750 | 3,630 |
| Average earning assets | $141,690,250 | 3,602 |
| Average equity | $12,874,750 | 4,243 |
| Average total loans | $89,301,500 | 3,676 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,558 |
| Cost of funding earning assets | 0.2125% | 5,808 |
| Net interest margin | 3.8345% | 2,436 |
| Noninterest income to average assets | 0.1401% | 6,122 |
| Noninterest expense to average assets | 1.6377% | 6,328 |
| Loan and lease loss provision to assets | 0.1335% | 1,858 |
| Net operating income to assets | 1.9567% | 371 |
| Return on assets (ROA) | 1.9567% | 386 |
| Pretax return on assets | 1.9567% | 610 |
| Return on Equity (ROE) | 22.7994% | 171 |
| Retained earnings to average equity (ytd only) | -0.8398% | 5,834 |
| Net charge-offs to loans | 0.0268% | 3,656 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 463 |
| Efficiency ratio | 43.9313% | 6,423 |
| Assets per employee ($millions) | 6.6448% | 949 |
| Cash dividends to net income (ytd only)* | 103.6835% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 2,562 |
| Loan loss allowance to noncurrent loans | 184.1432% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8493% | 3,422 |
| Noncurrent loans to loans | 0.8554% | 3,563 |
| Net loans and leases to total assets | 58.8765% | 3,881 |
| Net loans and leases to deposits | 64.4845% | 4,441 |
| Net loans and leases to core deposits | 67.8600% | 4,485 |
| Total domestic deposits to total assets | 91.3034% | 310 |
| Equity capital to assets | 8.3164% | 5,942 |
| Core capital (leverage) ratio | 8.4438% | 5,697 |
| Tier 1 risk-based capital ratio | 12.4436% | 5,268 |
| Total risk-based capital ratio | 13.6954% | 5,185 |
| Memoranda: | ||
| Average total assets | $149,847,330 | 3,681 |
| Average earning assets | $140,202,330 | 3,644 |
| Average equity | $12,860,000 | 4,250 |
| Average total loans | $89,668,000 | 3,680 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 3,662 |
| Cost of funding earning assets | 0.2102% | 5,916 |
| Net interest margin | 3.7953% | 2,489 |
| Noninterest income to average assets | 0.1483% | 6,081 |
| Noninterest expense to average assets | 1.7148% | 6,329 |
| Loan and lease loss provision to assets | 0.2696% | 771 |
| Net operating income to assets | 1.7175% | 556 |
| Return on assets (ROA) | 1.7175% | 576 |
| Pretax return on assets | 1.7175% | 940 |
| Return on Equity (ROE) | 19.6985% | 314 |
| Retained earnings to average equity (ytd only) | 4.0201% | 3,705 |
| Net charge-offs to loans | -0.0270% | 5,502 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3219% | 6,412 |
| Assets per employee ($millions) | 7.0978% | 770 |
| Cash dividends to net income (ytd only)* | 79.5918% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 2,527 |
| Loan loss allowance to noncurrent loans | 302.4896% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 4,108 |
| Noncurrent loans to loans | 0.5440% | 4,537 |
| Net loans and leases to total assets | 58.4640% | 3,769 |
| Net loans and leases to deposits | 64.2382% | 4,288 |
| Net loans and leases to core deposits | 73.2818% | 3,733 |
| Total domestic deposits to total assets | 91.0113% | 562 |
| Equity capital to assets | 8.6459% | 5,501 |
| Core capital (leverage) ratio | 8.6575% | 5,448 |
| Tier 1 risk-based capital ratio | 13.2364% | 4,871 |
| Total risk-based capital ratio | 14.4894% | 4,804 |
| Memoranda: | ||
| Average total assets | $148,356,000 | 3,728 |
| Average earning assets | $138,910,000 | 3,690 |
| Average equity | $12,935,000 | 4,249 |
| Average total loans | $88,791,500 | 3,731 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 2,382 |
| Cost of funding earning assets | 0.1970% | 6,307 |
| Net interest margin | 4.2563% | 1,205 |
| Noninterest income to average assets | 0.1703% | 6,066 |
| Noninterest expense to average assets | 1.7888% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.3422% | 203 |
| Return on assets (ROA) | 2.3422% | 206 |
| Pretax return on assets | 2.3422% | 248 |
| Return on Equity (ROE) | 26.9628% | 101 |
| Retained earnings to average equity (ytd only) | 10.1256% | 546 |
| Net charge-offs to loans | 0.0348% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 104.7097% | 449 |
| Efficiency ratio | 43.3013% | 6,629 |
| Assets per employee ($millions) | 7.0313% | 752 |
| Cash dividends to net income (ytd only)* | 62.4461% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,103 |
| Loan loss allowance to noncurrent loans | 1,988.2353% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 5,068 |
| Noncurrent loans to loans | 0.0764% | 5,988 |
| Net loans and leases to total assets | 59.3466% | 3,819 |
| Net loans and leases to deposits | 65.3224% | 4,380 |
| Net loans and leases to core deposits | 74.8290% | 3,756 |
| Total domestic deposits to total assets | 90.8518% | 636 |
| Equity capital to assets | 8.7926% | 5,268 |
| Core capital (leverage) ratio | 8.8634% | 5,194 |
| Tier 1 risk-based capital ratio | 12.8301% | 5,096 |
| Total risk-based capital ratio | 14.0811% | 5,040 |
| Memoranda: | ||
| Average total assets | $138,587,600 | 3,910 |
| Average earning assets | $128,962,600 | 3,869 |
| Average equity | $12,038,800 | 4,431 |
| Average total loans | $89,010,600 | 3,712 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 2,261 |
| Cost of funding earning assets | 0.1937% | 6,428 |
| Net interest margin | 4.2990% | 1,096 |
| Noninterest income to average assets | 0.1643% | 6,205 |
| Noninterest expense to average assets | 1.8319% | 6,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.3258% | 208 |
| Return on assets (ROA) | 2.3258% | 218 |
| Pretax return on assets | 2.3258% | 306 |
| Return on Equity (ROE) | 26.8631% | 92 |
| Retained earnings to average equity (ytd only) | 3.9651% | 3,872 |
| Net charge-offs to loans | 0.0509% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 69.9446% | 665 |
| Efficiency ratio | 44.0602% | 6,653 |
| Assets per employee ($millions) | 6.4237% | 961 |
| Cash dividends to net income (ytd only)* | 85.2397% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 3,729 |
| Loan loss allowance to noncurrent loans | 784.3023% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 4,923 |
| Noncurrent loans to loans | 0.1838% | 5,780 |
| Net loans and leases to total assets | 68.3729% | 2,245 |
| Net loans and leases to deposits | 75.3224% | 3,044 |
| Net loans and leases to core deposits | 76.6068% | 3,552 |
| Total domestic deposits to total assets | 90.7737% | 625 |
| Equity capital to assets | 8.9491% | 5,245 |
| Core capital (leverage) ratio | 8.8660% | 5,297 |
| Tier 1 risk-based capital ratio | 11.7834% | 5,913 |
| Total risk-based capital ratio | 13.0350% | 5,864 |
| Memoranda: | ||
| Average total assets | $136,320,000 | 3,990 |
| Average earning assets | $126,631,000 | 3,947 |
| Average equity | $11,802,750 | 4,537 |
| Average total loans | $89,017,750 | 3,741 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 2,829 |
| Cost of funding earning assets | 0.1957% | 6,497 |
| Net interest margin | 4.1343% | 1,450 |
| Noninterest income to average assets | 0.1506% | 6,297 |
| Noninterest expense to average assets | 1.8071% | 6,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2048% | 255 |
| Return on assets (ROA) | 2.2048% | 271 |
| Pretax return on assets | 2.2048% | 411 |
| Return on Equity (ROE) | 25.7492% | 114 |
| Retained earnings to average equity (ytd only) | -0.2049% | 5,894 |
| Net charge-offs to loans | 0.0251% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 137.0909% | 363 |
| Efficiency ratio | 45.0437% | 6,678 |
| Assets per employee ($millions) | 6.1080% | 1,126 |
| Cash dividends to net income (ytd only)* | 100.7958% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,410 |
| Loan loss allowance to noncurrent loans | 653.3333% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 4,490 |
| Noncurrent loans to loans | 0.2354% | 5,718 |
| Net loans and leases to total assets | 65.3596% | 2,702 |
| Net loans and leases to deposits | 71.8339% | 3,474 |
| Net loans and leases to core deposits | 72.7575% | 3,958 |
| Total domestic deposits to total assets | 90.9872% | 546 |
| Equity capital to assets | 8.6995% | 5,551 |
| Core capital (leverage) ratio | 8.3395% | 5,838 |
| Tier 1 risk-based capital ratio | 11.8529% | 5,879 |
| Total risk-based capital ratio | 13.1044% | 5,832 |
| Memoranda: | ||
| Average total assets | $136,794,330 | 4,002 |
| Average earning assets | $127,761,670 | 3,949 |
| Average equity | $11,713,000 | 4,586 |
| Average total loans | $87,496,330 | 3,782 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 3,278 |
| Cost of funding earning assets | 0.1953% | 6,596 |
| Net interest margin | 4.0113% | 1,743 |
| Noninterest income to average assets | 0.1420% | 6,393 |
| Noninterest expense to average assets | 1.8057% | 6,430 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0869% | 299 |
| Return on assets (ROA) | 2.0869% | 326 |
| Pretax return on assets | 2.0869% | 506 |
| Return on Equity (ROE) | 24.5639% | 132 |
| Retained earnings to average equity (ytd only) | 7.2668% | 2,041 |
| Net charge-offs to loans | -0.0185% | 5,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3887% | 6,676 |
| Assets per employee ($millions) | 6.3217% | 1,063 |
| Cash dividends to net income (ytd only)* | 70.4167% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 3,245 |
| Loan loss allowance to noncurrent loans | 201.3062% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 4,707 |
| Noncurrent loans to loans | 0.8137% | 4,496 |
| Net loans and leases to total assets | 59.8834% | 3,447 |
| Net loans and leases to deposits | 65.6928% | 4,097 |
| Net loans and leases to core deposits | 67.0121% | 4,413 |
| Total domestic deposits to total assets | 91.1567% | 463 |
| Equity capital to assets | 8.5435% | 5,975 |
| Core capital (leverage) ratio | 8.6407% | 5,402 |
| Tier 1 risk-based capital ratio | 12.6586% | 5,463 |
| Total risk-based capital ratio | 13.9113% | 5,417 |
| Memoranda: | ||
| Average total assets | $138,004,000 | 4,019 |
| Average earning assets | $129,034,000 | 3,961 |
| Average equity | $11,724,500 | 4,626 |
| Average total loans | $86,645,000 | 3,824 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 3,264 |
| Cost of funding earning assets | 0.2099% | 6,808 |
| Net interest margin | 4.3241% | 1,340 |
| Noninterest income to average assets | 0.0655% | 6,636 |
| Noninterest expense to average assets | 1.7240% | 6,702 |
| Loan and lease loss provision to assets | 0.1850% | 3,325 |
| Net operating income to assets | 2.2220% | 245 |
| Return on assets (ROA) | 2.2498% | 252 |
| Pretax return on assets | 2.2498% | 366 |
| Return on Equity (ROE) | 26.0406% | 102 |
| Retained earnings to average equity (ytd only) | 7.0500% | 1,544 |
| Net charge-offs to loans | -0.0060% | 6,399 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7320% | 6,898 |
| Assets per employee ($millions) | 6.2241% | 1,153 |
| Cash dividends to net income (ytd only)* | 72.9267% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 3,472 |
| Loan loss allowance to noncurrent loans | 151.4786% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 4,748 |
| Noncurrent loans to loans | 1.0303% | 4,146 |
| Net loans and leases to total assets | 63.7080% | 2,946 |
| Net loans and leases to deposits | 69.9051% | 3,729 |
| Net loans and leases to core deposits | 71.4791% | 4,106 |
| Total domestic deposits to total assets | 91.1350% | 448 |
| Equity capital to assets | 8.4473% | 6,086 |
| Core capital (leverage) ratio | 8.6711% | 5,365 |
| Tier 1 risk-based capital ratio | 11.5346% | 6,075 |
| Total risk-based capital ratio | 12.7861% | 6,041 |
| Memoranda: | ||
| Average total assets | $129,701,200 | 4,148 |
| Average earning assets | $121,943,800 | 4,067 |
| Average equity | $11,205,600 | 4,720 |
| Average total loans | $83,852,800 | 3,914 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 3,484 |
| Cost of funding earning assets | 0.2123% | 6,928 |
| Net interest margin | 4.3247% | 1,408 |
| Noninterest income to average assets | 0.2033% | 6,073 |
| Noninterest expense to average assets | 1.5148% | 6,931 |
| Loan and lease loss provision to assets | 0.1876% | 3,245 |
| Net operating income to assets | 2.5781% | 156 |
| Return on assets (ROA) | 2.6156% | 160 |
| Pretax return on assets | 2.6156% | 252 |
| Return on Equity (ROE) | 30.0960% | 75 |
| Retained earnings to average equity (ytd only) | 5.7817% | 2,849 |
| Net charge-offs to loans | -0.0032% | 6,231 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3872% | 7,078 |
| Assets per employee ($millions) | 5.5458% | 1,598 |
| Cash dividends to net income (ytd only)* | 80.7892% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,983 |
| Loan loss allowance to noncurrent loans | 104.0189% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 3,829 |
| Noncurrent loans to loans | 1.4355% | 3,650 |
| Net loans and leases to total assets | 68.2712% | 2,251 |
| Net loans and leases to deposits | 75.2068% | 3,108 |
| Net loans and leases to core deposits | 75.5664% | 3,781 |
| Total domestic deposits to total assets | 90.7780% | 488 |
| Equity capital to assets | 8.8802% | 5,942 |
| Core capital (leverage) ratio | 8.7537% | 5,396 |
| Tier 1 risk-based capital ratio | 11.4694% | 6,243 |
| Total risk-based capital ratio | 12.7205% | 6,213 |
| Memoranda: | ||
| Average total assets | $127,893,750 | 4,234 |
| Average earning assets | $120,575,500 | 4,141 |
| Average equity | $11,115,250 | 4,781 |
| Average total loans | $82,661,250 | 4,000 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 4,226 |
| Cost of funding earning assets | 0.2127% | 7,006 |
| Net interest margin | 4.1773% | 1,820 |
| Noninterest income to average assets | 0.2141% | 6,036 |
| Noninterest expense to average assets | 1.4890% | 7,013 |
| Loan and lease loss provision to assets | 0.1875% | 3,226 |
| Net operating income to assets | 2.4967% | 178 |
| Return on assets (ROA) | 2.4967% | 205 |
| Pretax return on assets | 2.4967% | 302 |
| Return on Equity (ROE) | 28.9370% | 83 |
| Retained earnings to average equity (ytd only) | 1.4124% | 5,488 |
| Net charge-offs to loans | -0.0025% | 6,103 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6795% | 7,124 |
| Assets per employee ($millions) | 5.6754% | 1,462 |
| Cash dividends to net income (ytd only)* | 95.1189% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 4,359 |
| Loan loss allowance to noncurrent loans | 135.9611% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 4,409 |
| Noncurrent loans to loans | 1.0493% | 4,417 |
| Net loans and leases to total assets | 69.6682% | 1,974 |
| Net loans and leases to deposits | 76.6628% | 2,894 |
| Net loans and leases to core deposits | 77.0369% | 3,652 |
| Total domestic deposits to total assets | 90.8761% | 492 |
| Equity capital to assets | 8.7603% | 5,961 |
| Core capital (leverage) ratio | 8.4478% | 5,716 |
| Tier 1 risk-based capital ratio | 11.2068% | 6,397 |
| Total risk-based capital ratio | 12.4572% | 6,378 |
| Memoranda: | ||
| Average total assets | $128,007,330 | 4,251 |
| Average earning assets | $121,322,000 | 4,145 |
| Average equity | $11,044,670 | 4,798 |
| Average total loans | $80,747,670 | 4,083 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 5,146 |
| Cost of funding earning assets | 0.2139% | 7,083 |
| Net interest margin | 3.9757% | 2,605 |
| Noninterest income to average assets | 0.2037% | 6,170 |
| Noninterest expense to average assets | 1.5558% | 7,011 |
| Loan and lease loss provision to assets | 0.1852% | 3,123 |
| Net operating income to assets | 2.2503% | 260 |
| Return on assets (ROA) | 2.2503% | 315 |
| Pretax return on assets | 2.2503% | 492 |
| Return on Equity (ROE) | 26.2750% | 152 |
| Retained earnings to average equity (ytd only) | 8.0014% | 1,980 |
| Net charge-offs to loans | -0.0104% | 5,959 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9791% | 7,123 |
| Assets per employee ($millions) | 5.9330% | 1,323 |
| Cash dividends to net income (ytd only)* | 69.5473% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 4,033 |
| Loan loss allowance to noncurrent loans | 123.8390% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9676% | 4,571 |
| Noncurrent loans to loans | 1.2330% | 4,279 |
| Net loans and leases to total assets | 59.2883% | 3,808 |
| Net loans and leases to deposits | 65.0587% | 4,479 |
| Net loans and leases to core deposits | 65.2232% | 4,995 |
| Total domestic deposits to total assets | 91.1304% | 499 |
| Equity capital to assets | 8.5754% | 6,014 |
| Core capital (leverage) ratio | 8.4620% | 5,653 |
| Tier 1 risk-based capital ratio | 12.4463% | 5,650 |
| Total risk-based capital ratio | 13.6976% | 5,612 |
| Memoranda: | ||
| Average total assets | $129,581,500 | 4,242 |
| Average earning assets | $123,448,500 | 4,119 |
| Average equity | $11,098,000 | 4,803 |
| Average total loans | $76,998,500 | 4,214 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 5,803 |
| Cost of funding earning assets | 0.2479% | 7,180 |
| Net interest margin | 4.0378% | 2,691 |
| Noninterest income to average assets | 0.1808% | 6,200 |
| Noninterest expense to average assets | 1.6275% | 7,101 |
| Loan and lease loss provision to assets | 0.1009% | 5,324 |
| Net operating income to assets | 2.3012% | 185 |
| Return on assets (ROA) | 2.3012% | 199 |
| Pretax return on assets | 2.3012% | 300 |
| Return on Equity (ROE) | 26.9085% | 77 |
| Retained earnings to average equity (ytd only) | 14.4672% | 154 |
| Net charge-offs to loans | 0.3699% | 3,556 |
| Credit loss provision to net charge-offs | 46.6926% | 5,499 |
| Earnings coverage of net charge-offs (x) | 11.1128% | 1,754 |
| Efficiency ratio | 40.3882% | 7,206 |
| Assets per employee ($millions) | 6.4319% | 991 |
| Cash dividends to net income (ytd only)* | 46.2354% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 3,978 |
| Loan loss allowance to noncurrent loans | 131.8656% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 4,762 |
| Noncurrent loans to loans | 1.1444% | 4,453 |
| Net loans and leases to total assets | 57.7380% | 4,422 |
| Net loans and leases to deposits | 63.3653% | 5,082 |
| Net loans and leases to core deposits | 63.5279% | 5,520 |
| Total domestic deposits to total assets | 91.1193% | 456 |
| Equity capital to assets | 8.5535% | 6,068 |
| Core capital (leverage) ratio | 8.5262% | 5,515 |
| Tier 1 risk-based capital ratio | 12.7557% | 5,269 |
| Total risk-based capital ratio | 14.0065% | 5,244 |
| Memoranda: | ||
| Average total assets | $118,896,200 | 4,430 |
| Average earning assets | $113,330,200 | 4,298 |
| Average equity | $10,167,800 | 4,972 |
| Average total loans | $69,470,200 | 4,509 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 5,885 |
| Cost of funding earning assets | 0.2558% | 7,271 |
| Net interest margin | 4.0643% | 2,624 |
| Noninterest income to average assets | 0.1878% | 6,259 |
| Noninterest expense to average assets | 1.4505% | 7,258 |
| Loan and lease loss provision to assets | 0.1030% | 5,158 |
| Net operating income to assets | 2.5084% | 154 |
| Return on assets (ROA) | 2.5084% | 160 |
| Pretax return on assets | 2.5084% | 245 |
| Return on Equity (ROE) | 29.3329% | 64 |
| Retained earnings to average equity (ytd only) | 12.3972% | 454 |
| Net charge-offs to loans | -0.0177% | 6,881 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7103% | 7,320 |
| Assets per employee ($millions) | 6.0909% | 1,155 |
| Cash dividends to net income (ytd only)* | 57.7360% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8966% | 2,619 |
| Loan loss allowance to noncurrent loans | 2,252.4590% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 6,349 |
| Noncurrent loans to loans | 0.0842% | 6,725 |
| Net loans and leases to total assets | 58.3416% | 4,449 |
| Net loans and leases to deposits | 63.9366% | 5,179 |
| Net loans and leases to core deposits | 64.1096% | 5,599 |
| Total domestic deposits to total assets | 91.2492% | 362 |
| Equity capital to assets | 8.5415% | 6,256 |
| Core capital (leverage) ratio | 8.6078% | 5,537 |
| Tier 1 risk-based capital ratio | 12.7299% | 5,309 |
| Total risk-based capital ratio | 13.9861% | 5,282 |
| Memoranda: | ||
| Average total assets | $116,460,750 | 4,521 |
| Average earning assets | $111,012,250 | 4,390 |
| Average equity | $9,959,000 | 5,042 |
| Average total loans | $67,985,000 | 4,598 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 6,115 |
| Cost of funding earning assets | 0.2638% | 7,349 |
| Net interest margin | 4.0045% | 2,810 |
| Noninterest income to average assets | 0.1866% | 6,325 |
| Noninterest expense to average assets | 1.4912% | 7,314 |
| Loan and lease loss provision to assets | 0.1046% | 5,003 |
| Net operating income to assets | 2.4033% | 187 |
| Return on assets (ROA) | 2.4033% | 193 |
| Pretax return on assets | 2.4033% | 286 |
| Return on Equity (ROE) | 28.0928% | 89 |
| Retained earnings to average equity (ytd only) | 12.6397% | 430 |
| Net charge-offs to loans | -0.0241% | 6,865 |
| Credit loss provision to net charge-offs | -750.0000% | 6,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2874% | 7,373 |
| Assets per employee ($millions) | 6.4398% | 956 |
| Cash dividends to net income (ytd only)* | 55.0073% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 2,636 |
| Loan loss allowance to noncurrent loans | 466.3194% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 5,931 |
| Noncurrent loans to loans | 0.4098% | 6,081 |
| Net loans and leases to total assets | 59.4646% | 4,387 |
| Net loans and leases to deposits | 65.4342% | 5,082 |
| Net loans and leases to core deposits | 65.6210% | 5,551 |
| Total domestic deposits to total assets | 90.8770% | 552 |
| Equity capital to assets | 8.6865% | 5,956 |
| Core capital (leverage) ratio | 8.6263% | 5,352 |
| Tier 1 risk-based capital ratio | 12.6669% | 5,207 |
| Total risk-based capital ratio | 13.9224% | 5,171 |
| Memoranda: | ||
| Average total assets | $114,675,330 | 4,597 |
| Average earning assets | $109,176,330 | 4,473 |
| Average equity | $9,810,330 | 5,097 |
| Average total loans | $66,498,670 | 4,702 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 6,333 |
| Cost of funding earning assets | 0.2740% | 7,415 |
| Net interest margin | 3.9022% | 3,127 |
| Noninterest income to average assets | 0.2034% | 6,268 |
| Noninterest expense to average assets | 1.4870% | 7,369 |
| Loan and lease loss provision to assets | 0.1052% | 4,703 |
| Net operating income to assets | 2.3077% | 225 |
| Return on assets (ROA) | 2.3077% | 237 |
| Pretax return on assets | 2.3077% | 341 |
| Return on Equity (ROE) | 27.1873% | 115 |
| Retained earnings to average equity (ytd only) | 16.8164% | 293 |
| Net charge-offs to loans | -0.0310% | 6,719 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1295% | 7,418 |
| Assets per employee ($millions) | 6.4500% | 950 |
| Cash dividends to net income (ytd only)* | 38.1459% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 2,392 |
| Loan loss allowance to noncurrent loans | 261.8000% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 5,599 |
| Noncurrent loans to loans | 0.7678% | 5,491 |
| Net loans and leases to total assets | 54.9621% | 5,163 |
| Net loans and leases to deposits | 60.2718% | 5,700 |
| Net loans and leases to core deposits | 60.4431% | 6,060 |
| Total domestic deposits to total assets | 91.1904% | 535 |
| Equity capital to assets | 8.4720% | 5,950 |
| Core capital (leverage) ratio | 8.4236% | 5,589 |
| Tier 1 risk-based capital ratio | 13.0836% | 4,762 |
| Total risk-based capital ratio | 14.3399% | 4,739 |
| Memoranda: | ||
| Average total assets | $114,055,000 | 4,645 |
| Average earning assets | $108,040,500 | 4,527 |
| Average equity | $9,681,000 | 5,122 |
| Average total loans | $64,612,000 | 4,818 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 6,510 |
| Cost of funding earning assets | 0.3614% | 7,461 |
| Net interest margin | 4.0940% | 2,589 |
| Noninterest income to average assets | 0.2622% | 5,918 |
| Noninterest expense to average assets | 1.6055% | 7,404 |
| Loan and lease loss provision to assets | 0.1144% | 6,015 |
| Net operating income to assets | 2.4196% | 126 |
| Return on assets (ROA) | 2.4196% | 135 |
| Pretax return on assets | 2.4196% | 212 |
| Return on Equity (ROE) | 27.7972% | 57 |
| Retained earnings to average equity (ytd only) | 5.7500% | 1,961 |
| Net charge-offs to loans | 0.1398% | 5,524 |
| Credit loss provision to net charge-offs | 144.5783% | 2,568 |
| Earnings coverage of net charge-offs (x) | 32.0241% | 695 |
| Efficiency ratio | 38.7840% | 7,522 |
| Assets per employee ($millions) | 6.5888% | 908 |
| Cash dividends to net income (ytd only)* | 79.3144% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9890% | 2,334 |
| Loan loss allowance to noncurrent loans | 1,011.9048% | 365 |
| Noncurrent assets plus other real estate owned to assets | 1.0812% | 4,845 |
| Noncurrent loans to loans | 0.1966% | 6,676 |
| Net loans and leases to total assets | 56.0923% | 5,332 |
| Net loans and leases to deposits | 61.5241% | 5,895 |
| Net loans and leases to core deposits | 61.5241% | 6,272 |
| Total domestic deposits to total assets | 91.1713% | 523 |
| Equity capital to assets | 8.5046% | 5,849 |
| Core capital (leverage) ratio | 8.3035% | 5,680 |
| Tier 1 risk-based capital ratio | 12.5153% | 5,009 |
| Total risk-based capital ratio | 13.7712% | 4,991 |
| Memoranda: | ||
| Average total assets | $104,892,000 | 4,853 |
| Average earning assets | $99,341,400 | 4,740 |
| Average equity | $9,130,400 | 5,383 |
| Average total loans | $59,354,200 | 5,098 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 6,560 |
| Cost of funding earning assets | 0.3792% | 7,586 |
| Net interest margin | 4.1399% | 2,449 |
| Noninterest income to average assets | 0.2741% | 5,916 |
| Noninterest expense to average assets | 1.4418% | 7,579 |
| Loan and lease loss provision to assets | 0.1164% | 5,864 |
| Net operating income to assets | 2.6546% | 116 |
| Return on assets (ROA) | 2.6546% | 121 |
| Pretax return on assets | 2.6546% | 181 |
| Return on Equity (ROE) | 30.3079% | 49 |
| Retained earnings to average equity (ytd only) | 0.5905% | 5,564 |
| Net charge-offs to loans | 0.1054% | 5,489 |
| Credit loss provision to net charge-offs | 195.6522% | 1,821 |
| Earnings coverage of net charge-offs (x) | 46.5883% | 600 |
| Efficiency ratio | 34.2234% | 7,648 |
| Assets per employee ($millions) | 6.3401% | 1,052 |
| Cash dividends to net income (ytd only)* | 98.0517% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1295% | 1,926 |
| Loan loss allowance to noncurrent loans | 244.1905% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 4,696 |
| Noncurrent loans to loans | 0.8721% | 5,478 |
| Net loans and leases to total assets | 54.6664% | 5,747 |
| Net loans and leases to deposits | 59.9420% | 6,319 |
| Net loans and leases to core deposits | 59.9420% | 6,605 |
| Total domestic deposits to total assets | 91.1988% | 385 |
| Equity capital to assets | 8.4894% | 6,286 |
| Core capital (leverage) ratio | 8.3070% | 5,861 |
| Tier 1 risk-based capital ratio | 12.6347% | 4,865 |
| Total risk-based capital ratio | 13.8920% | 4,845 |
| Memoranda: | ||
| Average total assets | $103,112,500 | 4,961 |
| Average earning assets | $98,100,250 | 4,835 |
| Average equity | $9,031,500 | 5,490 |
| Average total loans | $58,166,750 | 5,224 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 6,590 |
| Cost of funding earning assets | 0.4059% | 7,652 |
| Net interest margin | 4.1444% | 2,349 |
| Noninterest income to average assets | 0.3072% | 5,702 |
| Noninterest expense to average assets | 1.4553% | 7,633 |
| Loan and lease loss provision to assets | 0.1182% | 5,718 |
| Net operating income to assets | 2.6744% | 112 |
| Return on assets (ROA) | 2.6744% | 117 |
| Pretax return on assets | 2.6744% | 178 |
| Return on Equity (ROE) | 30.2046% | 55 |
| Retained earnings to average equity (ytd only) | -3.3808% | 6,352 |
| Net charge-offs to loans | -0.0244% | 7,313 |
| Credit loss provision to net charge-offs | -857.1429% | 6,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2605% | 7,715 |
| Assets per employee ($millions) | 5.9848% | 1,242 |
| Cash dividends to net income (ytd only)* | 111.1929% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,869 |
| Loan loss allowance to noncurrent loans | 273.0126% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 4,636 |
| Noncurrent loans to loans | 0.7868% | 5,702 |
| Net loans and leases to total assets | 58.4282% | 5,347 |
| Net loans and leases to deposits | 64.3508% | 5,995 |
| Net loans and leases to core deposits | 64.3508% | 6,374 |
| Total domestic deposits to total assets | 90.7963% | 569 |
| Equity capital to assets | 8.7958% | 5,757 |
| Core capital (leverage) ratio | 8.3923% | 5,593 |
| Tier 1 risk-based capital ratio | 12.4641% | 4,894 |
| Total risk-based capital ratio | 13.7119% | 4,872 |
| Memoranda: | ||
| Average total assets | $101,556,330 | 5,037 |
| Average earning assets | $96,564,000 | 4,915 |
| Average equity | $8,992,000 | 5,506 |
| Average total loans | $57,488,330 | 5,293 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4062% | 6,989 |
| Cost of funding earning assets | 0.4307% | 7,751 |
| Net interest margin | 3.9755% | 2,974 |
| Noninterest income to average assets | 0.1774% | 6,692 |
| Noninterest expense to average assets | 1.4468% | 7,740 |
| Loan and lease loss provision to assets | 0.1183% | 5,413 |
| Net operating income to assets | 2.3969% | 175 |
| Return on assets (ROA) | 2.3969% | 194 |
| Pretax return on assets | 2.3969% | 292 |
| Return on Equity (ROE) | 26.9817% | 121 |
| Retained earnings to average equity (ytd only) | 4.6597% | 3,346 |
| Net charge-offs to loans | -0.0286% | 7,177 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5174% | 7,788 |
| Assets per employee ($millions) | 6.0561% | 1,221 |
| Cash dividends to net income (ytd only)* | 82.7303% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2207% | 1,708 |
| Loan loss allowance to noncurrent loans | 364.4699% | 860 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 4,923 |
| Noncurrent loans to loans | 0.6093% | 6,089 |
| Net loans and leases to total assets | 54.4015% | 5,976 |
| Net loans and leases to deposits | 59.9889% | 6,473 |
| Net loans and leases to core deposits | 59.9889% | 6,753 |
| Total domestic deposits to total assets | 90.6860% | 662 |
| Equity capital to assets | 8.8050% | 5,547 |
| Core capital (leverage) ratio | 8.7384% | 4,957 |
| Tier 1 risk-based capital ratio | 13.4430% | 4,024 |
| Total risk-based capital ratio | 14.7011% | 3,982 |
| Memoranda: | ||
| Average total assets | $101,463,500 | 5,105 |
| Average earning assets | $96,592,000 | 4,967 |
| Average equity | $9,013,500 | 5,543 |
| Average total loans | $55,857,000 | 5,429 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 7,040 |
| Cost of funding earning assets | 0.5550% | 7,798 |
| Net interest margin | 4.2011% | 2,052 |
| Noninterest income to average assets | 0.2051% | 6,645 |
| Noninterest expense to average assets | 1.7226% | 7,678 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.5103% | 90 |
| Return on assets (ROA) | 2.5103% | 98 |
| Pretax return on assets | 2.5103% | 156 |
| Return on Equity (ROE) | 28.5369% | 56 |
| Retained earnings to average equity (ytd only) | 14.1429% | 115 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6957% | 7,846 |
| Assets per employee ($millions) | 5.8808% | 1,333 |
| Cash dividends to net income (ytd only)* | 50.4399% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2743% | 1,525 |
| Loan loss allowance to noncurrent loans | 4,421.4286% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 5,440 |
| Noncurrent loans to loans | 0.0514% | 7,300 |
| Net loans and leases to total assets | 53.2098% | 6,286 |
| Net loans and leases to deposits | 58.7678% | 6,724 |
| Net loans and leases to core deposits | 60.3314% | 7,253 |
| Total domestic deposits to total assets | 90.5425% | 726 |
| Equity capital to assets | 8.9643% | 5,201 |
| Core capital (leverage) ratio | 8.7826% | 4,792 |
| Tier 1 risk-based capital ratio | 13.7580% | 3,654 |
| Total risk-based capital ratio | 15.0156% | 3,592 |
| Memoranda: | ||
| Average total assets | $95,089,400 | 5,238 |
| Average earning assets | $91,166,600 | 5,087 |
| Average equity | $8,364,600 | 5,818 |
| Average total loans | $52,710,000 | 5,557 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 6,889 |
| Cost of funding earning assets | 0.5856% | 7,894 |
| Net interest margin | 4.3138% | 1,700 |
| Noninterest income to average assets | 0.1804% | 6,935 |
| Noninterest expense to average assets | 1.5326% | 7,874 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.7911% | 71 |
| Return on assets (ROA) | 2.7911% | 81 |
| Pretax return on assets | 2.7911% | 130 |
| Return on Equity (ROE) | 31.8911% | 45 |
| Retained earnings to average equity (ytd only) | 12.3507% | 313 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4468% | 7,979 |
| Assets per employee ($millions) | 5.7389% | 1,393 |
| Cash dividends to net income (ytd only)* | 61.2722% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2185% | 1,389 |
| Loan loss allowance to noncurrent loans | 91.5004% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3868% | 4,321 |
| Noncurrent loans to loans | 2.4246% | 3,107 |
| Net loans and leases to total assets | 55.9291% | 6,150 |
| Net loans and leases to deposits | 61.5559% | 6,718 |
| Net loans and leases to core deposits | 64.0239% | 7,249 |
| Total domestic deposits to total assets | 90.8591% | 465 |
| Equity capital to assets | 8.8252% | 5,746 |
| Core capital (leverage) ratio | 8.7605% | 5,032 |
| Tier 1 risk-based capital ratio | 13.2141% | 4,041 |
| Total risk-based capital ratio | 14.4722% | 3,980 |
| Memoranda: | ||
| Average total assets | $93,868,250 | 5,304 |
| Average earning assets | $90,159,000 | 5,158 |
| Average equity | $8,215,250 | 5,908 |
| Average total loans | $52,279,000 | 5,625 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 7,046 |
| Cost of funding earning assets | 0.6356% | 7,967 |
| Net interest margin | 4.2580% | 1,791 |
| Noninterest income to average assets | 0.1814% | 7,002 |
| Noninterest expense to average assets | 1.5544% | 7,943 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.7203% | 83 |
| Return on assets (ROA) | 2.7203% | 93 |
| Pretax return on assets | 2.7203% | 147 |
| Return on Equity (ROE) | 31.1740% | 61 |
| Retained earnings to average equity (ytd only) | 11.4057% | 508 |
| Net charge-offs to loans | -0.0235% | 7,729 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3636% | 8,065 |
| Assets per employee ($millions) | 5.4832% | 1,597 |
| Cash dividends to net income (ytd only)* | 63.4127% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2917% | 1,111 |
| Loan loss allowance to noncurrent loans | 102.8950% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 4,353 |
| Noncurrent loans to loans | 2.2272% | 3,222 |
| Net loans and leases to total assets | 56.8996% | 6,099 |
| Net loans and leases to deposits | 62.7896% | 6,676 |
| Net loans and leases to core deposits | 64.3451% | 7,285 |
| Total domestic deposits to total assets | 90.6195% | 586 |
| Equity capital to assets | 8.9063% | 5,446 |
| Core capital (leverage) ratio | 8.5256% | 5,394 |
| Tier 1 risk-based capital ratio | 12.9047% | 4,210 |
| Total risk-based capital ratio | 14.1645% | 4,123 |
| Memoranda: | ||
| Average total assets | $92,637,330 | 5,381 |
| Average earning assets | $89,056,670 | 5,232 |
| Average equity | $8,083,670 | 5,990 |
| Average total loans | $51,104,330 | 5,715 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 7,328 |
| Cost of funding earning assets | 0.6568% | 8,017 |
| Net interest margin | 4.1705% | 2,010 |
| Noninterest income to average assets | 0.2036% | 6,834 |
| Noninterest expense to average assets | 1.5030% | 7,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.7158% | 88 |
| Return on assets (ROA) | 2.7158% | 113 |
| Pretax return on assets | 2.7158% | 175 |
| Return on Equity (ROE) | 31.4502% | 87 |
| Retained earnings to average equity (ytd only) | 16.4023% | 307 |
| Net charge-offs to loans | -0.0404% | 7,641 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6263% | 8,112 |
| Assets per employee ($millions) | 5.6000% | 1,473 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4502% | 804 |
| Loan loss allowance to noncurrent loans | 118.3810% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 4,480 |
| Noncurrent loans to loans | 2.0698% | 3,167 |
| Net loans and leases to total assets | 51.9821% | 6,684 |
| Net loans and leases to deposits | 57.0376% | 7,100 |
| Net loans and leases to core deposits | 58.5416% | 7,515 |
| Total domestic deposits to total assets | 91.1366% | 370 |
| Equity capital to assets | 8.5536% | 5,987 |
| Core capital (leverage) ratio | 8.4925% | 5,551 |
| Tier 1 risk-based capital ratio | 13.1388% | 4,093 |
| Total risk-based capital ratio | 14.3951% | 4,005 |
| Memoranda: | ||
| Average total assets | $92,348,500 | 5,411 |
| Average earning assets | $88,911,000 | 5,260 |
| Average equity | $7,974,500 | 6,072 |
| Average total loans | $49,515,000 | 5,821 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2512% | 4,230 |
| Cost of funding earning assets | 1.0920% | 8,012 |
| Net interest margin | 5.1592% | 366 |
| Noninterest income to average assets | 0.2870% | 6,414 |
| Noninterest expense to average assets | 1.8639% | 7,669 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.3068% | 56 |
| Return on assets (ROA) | 3.3068% | 55 |
| Pretax return on assets | 3.3068% | 77 |
| Return on Equity (ROE) | 35.9723% | 25 |
| Retained earnings to average equity (ytd only) | 5.6570% | 1,689 |
| Net charge-offs to loans | -0.6203% | 8,222 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0468% | 8,191 |
| Assets per employee ($millions) | 5.5936% | 1,392 |
| Cash dividends to net income (ytd only)* | 84.2740% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5631% | 641 |
| Loan loss allowance to noncurrent loans | 135.0055% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0246% | 4,264 |
| Noncurrent loans to loans | 1.8986% | 2,905 |
| Net loans and leases to total assets | 52.5850% | 6,791 |
| Net loans and leases to deposits | 57.9453% | 7,211 |
| Net loans and leases to core deposits | 59.4886% | 7,604 |
| Total domestic deposits to total assets | 90.7494% | 405 |
| Equity capital to assets | 8.7221% | 5,776 |
| Core capital (leverage) ratio | 8.7941% | 5,045 |
| Tier 1 risk-based capital ratio | 13.0720% | 4,074 |
| Total risk-based capital ratio | 14.3326% | 3,974 |
| Memoranda: | ||
| Average total assets | $77,688,000 | 5,779 |
| Average earning assets | $73,538,000 | 5,685 |
| Average equity | $7,141,600 | 6,407 |
| Average total loans | $44,170,200 | 5,969 |