Home > The Bank of Magnolia Company > Performance and Condition Ratios
The Bank of Magnolia Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,920 |
| Cost of funding earning assets | 0.2787% | 4,390 |
| Net interest margin | 3.7490% | 1,648 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.7897% | 1,533 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8456% | 2,721 |
| Return on assets (ROA) | 0.7896% | 2,882 |
| Pretax return on assets | 0.9207% | 2,907 |
| Return on Equity (ROE) | 8.0700% | 3,000 |
| Retained earnings to average equity (ytd only) | 6.9299% | 1,910 |
| Net charge-offs to loans | -0.0058% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.6013% | 1,604 |
| Assets per employee ($millions) | 5.3452% | 3,355 |
| Cash dividends to net income (ytd only)* | 14.1074% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 1,752 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 3,417 |
| Noncurrent loans to loans | 0.0606% | 3,283 |
| Net loans and leases to total assets | 54.5500% | 3,308 |
| Net loans and leases to deposits | 61.7914% | 3,418 |
| Net loans and leases to core deposits | 62.5654% | 3,653 |
| Total domestic deposits to total assets | 88.2700% | 1,263 |
| Equity capital to assets | 10.5634% | 1,700 |
| Core capital (leverage) ratio | 11.9401% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8229% | 491 |
| Memoranda: | ||
| Average total assets | $101,443,400 | 3,821 |
| Average earning assets | $94,719,800 | 3,791 |
| Average equity | $9,928,000 | 3,729 |
| Average total loans | $51,953,600 | 3,814 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 4,000 |
| Cost of funding earning assets | 0.2281% | 4,417 |
| Net interest margin | 3.6675% | 1,846 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.6425% | 1,820 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8782% | 2,763 |
| Return on assets (ROA) | 0.6981% | 3,311 |
| Pretax return on assets | 0.8414% | 3,240 |
| Return on Equity (ROE) | 7.2800% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.7701% | 2,698 |
| Net charge-offs to loans | 0.0210% | 1,695 |
| Credit loss provision to net charge-offs | 662.5000% | 531 |
| Earnings coverage of net charge-offs (x) | 107.2500% | 889 |
| Efficiency ratio | 70.0837% | 1,772 |
| Assets per employee ($millions) | 5.1599% | 3,467 |
| Cash dividends to net income (ytd only)* | 20.7156% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 1,765 |
| Loan loss allowance to noncurrent loans | 2,431.0345% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,512 |
| Noncurrent loans to loans | 0.0544% | 3,365 |
| Net loans and leases to total assets | 53.6500% | 3,389 |
| Net loans and leases to deposits | 60.3957% | 3,485 |
| Net loans and leases to core deposits | 61.1654% | 3,649 |
| Total domestic deposits to total assets | 88.8300% | 1,310 |
| Equity capital to assets | 10.1164% | 1,764 |
| Core capital (leverage) ratio | 11.3730% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0931% | 485 |
| Memoranda: | ||
| Average total assets | $101,414,750 | 3,832 |
| Average earning assets | $94,703,000 | 3,810 |
| Average equity | $9,728,000 | 3,751 |
| Average total loans | $50,910,250 | 3,844 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,091 |
| Cost of funding earning assets | 0.1714% | 4,455 |
| Net interest margin | 3.5726% | 2,094 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.4205% | 2,425 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0242% | 2,343 |
| Return on assets (ROA) | 0.7977% | 3,094 |
| Pretax return on assets | 0.9323% | 3,093 |
| Return on Equity (ROE) | 8.4600% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.3257% | 2,182 |
| Net charge-offs to loans | 0.0319% | 1,253 |
| Credit loss provision to net charge-offs | 450.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 81.1250% | 1,042 |
| Efficiency ratio | 65.6614% | 2,290 |
| Assets per employee ($millions) | 5.2925% | 3,330 |
| Cash dividends to net income (ytd only)* | 13.4474% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,839 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,467 |
| Noncurrent loans to loans | 0.0614% | 3,261 |
| Net loans and leases to total assets | 51.1400% | 3,474 |
| Net loans and leases to deposits | 58.9197% | 3,485 |
| Net loans and leases to core deposits | 59.4916% | 3,661 |
| Total domestic deposits to total assets | 86.7900% | 1,993 |
| Equity capital to assets | 9.8520% | 1,940 |
| Core capital (leverage) ratio | 11.1757% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2748% | 471 |
| Memoranda: | ||
| Average total assets | $102,540,000 | 3,836 |
| Average earning assets | $95,671,333 | 3,818 |
| Average equity | $9,664,667 | 3,779 |
| Average total loans | $50,112,667 | 3,859 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 4,243 |
| Cost of funding earning assets | 0.0995% | 4,531 |
| Net interest margin | 3.4178% | 2,585 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.2177% | 3,049 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0501% | 2,383 |
| Return on assets (ROA) | 0.6877% | 3,450 |
| Pretax return on assets | 0.8268% | 3,403 |
| Return on Equity (ROE) | 7.4600% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.1553% | 2,988 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.5659% | 2,516 |
| Assets per employee ($millions) | 5.8054% | 2,932 |
| Cash dividends to net income (ytd only)* | 30.8989% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,950 |
| Loan loss allowance to noncurrent loans | 2,546.1538% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,536 |
| Noncurrent loans to loans | 0.0519% | 3,368 |
| Net loans and leases to total assets | 47.3500% | 3,680 |
| Net loans and leases to deposits | 52.7668% | 3,753 |
| Net loans and leases to core deposits | 53.0981% | 3,865 |
| Total domestic deposits to total assets | 89.7400% | 1,253 |
| Equity capital to assets | 9.3409% | 2,264 |
| Core capital (leverage) ratio | 11.0032% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2317% | 490 |
| Memoranda: | ||
| Average total assets | $103,531,000 | 3,876 |
| Average earning assets | $96,435,000 | 3,858 |
| Average equity | $9,543,500 | 3,833 |
| Average total loans | $49,114,500 | 3,918 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0455% | 4,079 |
| Cost of funding earning assets | 0.0377% | 4,596 |
| Net interest margin | 3.0078% | 3,432 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.4969% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5557% | 3,976 |
| Return on assets (ROA) | 0.5109% | 4,031 |
| Pretax return on assets | 0.6033% | 4,022 |
| Return on Equity (ROE) | 5.3400% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.1552% | 3,343 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.1929% | 776 |
| Assets per employee ($millions) | 5.3982% | 3,319 |
| Cash dividends to net income (ytd only)* | 22.1790% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 1,592 |
| Loan loss allowance to noncurrent loans | 2,275.8621% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,532 |
| Noncurrent loans to loans | 0.0603% | 3,321 |
| Net loans and leases to total assets | 46.2400% | 3,788 |
| Net loans and leases to deposits | 51.4443% | 3,831 |
| Net loans and leases to core deposits | 51.7728% | 3,915 |
| Total domestic deposits to total assets | 89.8900% | 1,417 |
| Equity capital to assets | 9.0928% | 2,303 |
| Core capital (leverage) ratio | 9.1591% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9220% | 727 |
| Memoranda: | ||
| Average total assets | $100,605,000 | 3,923 |
| Average earning assets | $92,957,400 | 3,906 |
| Average equity | $9,626,600 | 3,915 |
| Average total loans | $44,608,000 | 3,985 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9260% | 4,020 |
| Cost of funding earning assets | 0.0318% | 4,636 |
| Net interest margin | 2.8942% | 3,511 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.3186% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5703% | 3,909 |
| Return on assets (ROA) | 0.4661% | 4,085 |
| Pretax return on assets | 0.5993% | 3,995 |
| Return on Equity (ROE) | 4.8100% | 4,013 |
| Retained earnings to average equity (ytd only) | 3.2983% | 3,699 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.0262% | 1,077 |
| Assets per employee ($millions) | 5.4148% | 3,314 |
| Cash dividends to net income (ytd only)* | 31.4286% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,593 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,637 |
| Noncurrent loans to loans | 0.0639% | 3,417 |
| Net loans and leases to total assets | 45.0200% | 3,816 |
| Net loans and leases to deposits | 49.8006% | 3,867 |
| Net loans and leases to core deposits | 50.1152% | 3,939 |
| Total domestic deposits to total assets | 90.4100% | 1,469 |
| Equity capital to assets | 8.6323% | 2,456 |
| Core capital (leverage) ratio | 8.7369% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2101% | 829 |
| Memoranda: | ||
| Average total assets | $100,115,000 | 3,953 |
| Average earning assets | $92,227,500 | 3,936 |
| Average equity | $9,701,750 | 3,950 |
| Average total loans | $43,738,250 | 4,023 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8066% | 3,961 |
| Cost of funding earning assets | 0.0330% | 4,681 |
| Net interest margin | 2.7736% | 3,517 |
| Noninterest income to average assets | 0.4174% | 2,648 |
| Noninterest expense to average assets | 2.3046% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4723% | 3,963 |
| Return on assets (ROA) | 0.2843% | 4,266 |
| Pretax return on assets | 0.4194% | 4,127 |
| Return on Equity (ROE) | 2.8270% | 4,234 |
| Retained earnings to average equity (ytd only) | 1.7243% | 3,819 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8080% | 1,101 |
| Assets per employee ($millions) | 5.8494% | 2,874 |
| Cash dividends to net income (ytd only)* | 39.0071% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 1,294 |
| Loan loss allowance to noncurrent loans | 2,062.5000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,655 |
| Noncurrent loans to loans | 0.0748% | 3,426 |
| Net loans and leases to total assets | 42.3315% | 3,950 |
| Net loans and leases to deposits | 47.2488% | 3,970 |
| Net loans and leases to core deposits | 47.5606% | 4,048 |
| Total domestic deposits to total assets | 89.5926% | 1,898 |
| Equity capital to assets | 9.3726% | 2,112 |
| Core capital (leverage) ratio | 9.2615% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9885% | 534 |
| Memoranda: | ||
| Average total assets | $99,193,000 | 4,002 |
| Average earning assets | $91,000,667 | 4,002 |
| Average equity | $9,975,333 | 3,991 |
| Average total loans | $42,657,667 | 4,093 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7867% | 3,771 |
| Cost of funding earning assets | 0.0356% | 4,688 |
| Net interest margin | 2.7511% | 3,277 |
| Noninterest income to average assets | 0.4199% | 2,559 |
| Noninterest expense to average assets | 2.1843% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5704% | 3,494 |
| Return on assets (ROA) | 0.5289% | 3,597 |
| Pretax return on assets | 0.6823% | 3,437 |
| Return on Equity (ROE) | 5.0859% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.9506% | 3,279 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8271% | 1,652 |
| Assets per employee ($millions) | 5.5657% | 3,255 |
| Cash dividends to net income (ytd only)* | 41.9847% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 1,417 |
| Loan loss allowance to noncurrent loans | 1,885.7143% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,689 |
| Noncurrent loans to loans | 0.0819% | 3,430 |
| Net loans and leases to total assets | 42.0085% | 3,880 |
| Net loans and leases to deposits | 47.0061% | 3,928 |
| Net loans and leases to core deposits | 47.3147% | 4,015 |
| Total domestic deposits to total assets | 89.3683% | 1,890 |
| Equity capital to assets | 9.6954% | 2,138 |
| Core capital (leverage) ratio | 9.8356% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8821% | 500 |
| Memoranda: | ||
| Average total assets | $99,070,000 | 4,014 |
| Average earning assets | $89,999,500 | 4,023 |
| Average equity | $10,303,000 | 4,019 |
| Average total loans | $42,609,500 | 4,109 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 2,953 |
| Cost of funding earning assets | 0.0384% | 4,737 |
| Net interest margin | 3.3509% | 2,163 |
| Noninterest income to average assets | 0.4351% | 2,884 |
| Noninterest expense to average assets | 2.6135% | 1,834 |
| Loan and lease loss provision to assets | 0.0622% | 1,825 |
| Net operating income to assets | 0.6526% | 3,740 |
| Return on assets (ROA) | 0.7510% | 3,549 |
| Pretax return on assets | 0.8567% | 3,603 |
| Return on Equity (ROE) | 6.6877% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.6177% | 2,511 |
| Net charge-offs to loans | 0.0248% | 1,750 |
| Credit loss provision to net charge-offs | 545.4545% | 763 |
| Earnings coverage of net charge-offs (x) | 70.8182% | 1,066 |
| Efficiency ratio | 76.4082% | 1,071 |
| Assets per employee ($millions) | 5.4421% | 3,315 |
| Cash dividends to net income (ytd only)* | 16.0000% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,378 |
| Loan loss allowance to noncurrent loans | 589.2857% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,130 |
| Noncurrent loans to loans | 0.2637% | 2,662 |
| Net loans and leases to total assets | 42.6856% | 3,935 |
| Net loans and leases to deposits | 48.6012% | 3,964 |
| Net loans and leases to core deposits | 48.9333% | 4,058 |
| Total domestic deposits to total assets | 87.8285% | 2,132 |
| Equity capital to assets | 11.1201% | 1,722 |
| Core capital (leverage) ratio | 10.8977% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1720% | 344 |
| Memoranda: | ||
| Average total assets | $96,536,000 | 4,028 |
| Average earning assets | $86,007,400 | 4,059 |
| Average equity | $10,840,800 | 4,054 |
| Average total loans | $44,400,600 | 4,101 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 2,617 |
| Cost of funding earning assets | 0.0408% | 4,813 |
| Net interest margin | 3.5378% | 1,764 |
| Noninterest income to average assets | 0.4256% | 2,953 |
| Noninterest expense to average assets | 2.4606% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9452% | 3,101 |
| Return on assets (ROA) | 1.0924% | 2,639 |
| Pretax return on assets | 1.2587% | 2,738 |
| Return on Equity (ROE) | 9.7032% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.3241% | 1,943 |
| Net charge-offs to loans | 0.0327% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 71.4545% | 1,054 |
| Efficiency ratio | 69.3089% | 1,673 |
| Assets per employee ($millions) | 5.2730% | 3,427 |
| Cash dividends to net income (ytd only)* | 14.2132% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 2,080 |
| Loan loss allowance to noncurrent loans | 413.7931% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 3,143 |
| Noncurrent loans to loans | 0.3347% | 2,583 |
| Net loans and leases to total assets | 42.6423% | 4,045 |
| Net loans and leases to deposits | 48.5301% | 4,088 |
| Net loans and leases to core deposits | 48.8542% | 4,199 |
| Total domestic deposits to total assets | 87.8677% | 1,925 |
| Equity capital to assets | 11.1062% | 1,943 |
| Core capital (leverage) ratio | 11.2619% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2813% | 326 |
| Memoranda: | ||
| Average total assets | $96,180,500 | 4,080 |
| Average earning assets | $84,946,750 | 4,122 |
| Average equity | $10,827,750 | 4,108 |
| Average total loans | $44,882,250 | 4,148 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3066% | 3,407 |
| Cost of funding earning assets | 0.0431% | 4,845 |
| Net interest margin | 3.2635% | 2,569 |
| Noninterest income to average assets | 0.3859% | 3,184 |
| Noninterest expense to average assets | 2.4819% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6656% | 3,843 |
| Return on assets (ROA) | 0.8034% | 3,576 |
| Pretax return on assets | 0.9363% | 3,579 |
| Return on Equity (ROE) | 7.1029% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.0589% | 2,775 |
| Net charge-offs to loans | 0.0485% | 1,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 33.4545% | 1,253 |
| Efficiency ratio | 76.1812% | 1,069 |
| Assets per employee ($millions) | 5.0452% | 3,624 |
| Cash dividends to net income (ytd only)* | 14.6982% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,431 |
| Loan loss allowance to noncurrent loans | 394.7368% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 3,198 |
| Noncurrent loans to loans | 0.3296% | 2,729 |
| Net loans and leases to total assets | 47.4817% | 3,782 |
| Net loans and leases to deposits | 54.2084% | 3,845 |
| Net loans and leases to core deposits | 54.7951% | 3,976 |
| Total domestic deposits to total assets | 87.5910% | 2,043 |
| Equity capital to assets | 11.2823% | 1,765 |
| Core capital (leverage) ratio | 10.8332% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9218% | 382 |
| Memoranda: | ||
| Average total assets | $94,845,000 | 4,121 |
| Average earning assets | $83,469,667 | 4,164 |
| Average equity | $10,728,000 | 4,132 |
| Average total loans | $45,402,333 | 4,166 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3542% | 3,330 |
| Cost of funding earning assets | 0.0443% | 4,881 |
| Net interest margin | 3.3099% | 2,363 |
| Noninterest income to average assets | 0.4664% | 2,773 |
| Noninterest expense to average assets | 2.3405% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8874% | 3,159 |
| Return on assets (ROA) | 1.3950% | 1,661 |
| Pretax return on assets | 1.5434% | 1,873 |
| Return on Equity (ROE) | 12.3169% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.2204% | 1,596 |
| Net charge-offs to loans | 0.0977% | 695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,235 |
| Efficiency ratio | 70.4981% | 1,647 |
| Assets per employee ($millions) | 5.2324% | 3,397 |
| Cash dividends to net income (ytd only)* | 17.0213% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,514 |
| Loan loss allowance to noncurrent loans | 382.1656% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 3,372 |
| Noncurrent loans to loans | 0.3355% | 2,891 |
| Net loans and leases to total assets | 46.4739% | 3,927 |
| Net loans and leases to deposits | 52.7113% | 4,015 |
| Net loans and leases to core deposits | 53.2576% | 4,130 |
| Total domestic deposits to total assets | 88.1668% | 1,754 |
| Equity capital to assets | 10.8163% | 1,994 |
| Core capital (leverage) ratio | 11.4021% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9398% | 356 |
| Memoranda: | ||
| Average total assets | $94,338,500 | 4,138 |
| Average earning assets | $81,332,000 | 4,200 |
| Average equity | $10,684,500 | 4,150 |
| Average total loans | $45,046,000 | 4,188 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9997% | 2,725 |
| Cost of funding earning assets | 0.1191% | 4,815 |
| Net interest margin | 3.8806% | 1,270 |
| Noninterest income to average assets | 0.5322% | 2,501 |
| Noninterest expense to average assets | 2.9357% | 1,584 |
| Loan and lease loss provision to assets | 0.0693% | 3,514 |
| Net operating income to assets | 0.8647% | 2,846 |
| Return on assets (ROA) | 0.9132% | 2,774 |
| Pretax return on assets | 1.0840% | 2,754 |
| Return on Equity (ROE) | 7.6168% | 2,954 |
| Retained earnings to average equity (ytd only) | 6.4709% | 1,602 |
| Net charge-offs to loans | -0.0928% | 4,798 |
| Credit loss provision to net charge-offs | -153.8462% | 3,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8236% | 1,596 |
| Assets per employee ($millions) | 4.6980% | 3,719 |
| Cash dividends to net income (ytd only)* | 15.0442% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,929 |
| Loan loss allowance to noncurrent loans | 372.5610% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 3,364 |
| Noncurrent loans to loans | 0.3788% | 2,848 |
| Net loans and leases to total assets | 47.8132% | 3,989 |
| Net loans and leases to deposits | 55.0455% | 4,069 |
| Net loans and leases to core deposits | 55.6905% | 4,166 |
| Total domestic deposits to total assets | 86.8612% | 2,005 |
| Equity capital to assets | 11.8931% | 1,624 |
| Core capital (leverage) ratio | 11.7070% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3480% | 339 |
| Memoranda: | ||
| Average total assets | $86,622,600 | 4,166 |
| Average earning assets | $78,106,200 | 4,185 |
| Average equity | $10,385,000 | 4,164 |
| Average total loans | $42,033,600 | 4,273 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 1,964 |
| Cost of funding earning assets | 0.1401% | 4,827 |
| Net interest margin | 4.2139% | 708 |
| Noninterest income to average assets | 0.6049% | 2,156 |
| Noninterest expense to average assets | 2.7577% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4955% | 913 |
| Return on assets (ROA) | 1.9031% | 405 |
| Pretax return on assets | 2.1249% | 393 |
| Return on Equity (ROE) | 15.8412% | 565 |
| Retained earnings to average equity (ytd only) | 12.8201% | 343 |
| Net charge-offs to loans | -0.1246% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2549% | 3,029 |
| Assets per employee ($millions) | 5.1063% | 3,105 |
| Cash dividends to net income (ytd only)* | 19.0709% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,592 |
| Loan loss allowance to noncurrent loans | 320.3488% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 3,499 |
| Noncurrent loans to loans | 0.3788% | 2,926 |
| Net loans and leases to total assets | 48.8021% | 4,171 |
| Net loans and leases to deposits | 56.5835% | 4,233 |
| Net loans and leases to core deposits | 57.0419% | 4,339 |
| Total domestic deposits to total assets | 86.2480% | 1,959 |
| Equity capital to assets | 11.7403% | 1,851 |
| Core capital (leverage) ratio | 11.5963% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4675% | 351 |
| Memoranda: | ||
| Average total assets | $85,962,750 | 4,178 |
| Average earning assets | $78,025,000 | 4,199 |
| Average equity | $10,327,250 | 4,181 |
| Average total loans | $41,719,500 | 4,308 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 2,121 |
| Cost of funding earning assets | 0.1672% | 4,843 |
| Net interest margin | 4.2656% | 805 |
| Noninterest income to average assets | 0.3763% | 3,223 |
| Noninterest expense to average assets | 2.7340% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3056% | 1,344 |
| Return on assets (ROA) | 1.4837% | 1,032 |
| Pretax return on assets | 1.7409% | 913 |
| Return on Equity (ROE) | 12.2485% | 1,276 |
| Retained earnings to average equity (ytd only) | 11.1279% | 582 |
| Net charge-offs to loans | -0.1926% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0983% | 2,809 |
| Assets per employee ($millions) | 4.8041% | 3,410 |
| Cash dividends to net income (ytd only)* | 9.1493% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,152 |
| Loan loss allowance to noncurrent loans | 288.4817% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 3,491 |
| Noncurrent loans to loans | 0.4405% | 2,837 |
| Net loans and leases to total assets | 46.9023% | 4,316 |
| Net loans and leases to deposits | 54.2695% | 4,367 |
| Net loans and leases to core deposits | 54.6735% | 4,475 |
| Total domestic deposits to total assets | 86.4248% | 1,835 |
| Equity capital to assets | 11.5232% | 1,955 |
| Core capital (leverage) ratio | 11.8352% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8599% | 312 |
| Memoranda: | ||
| Average total assets | $83,979,000 | 4,205 |
| Average earning assets | $76,565,667 | 4,217 |
| Average equity | $10,172,667 | 4,202 |
| Average total loans | $40,490,333 | 4,343 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 4,020 |
| Cost of funding earning assets | 0.2046% | 4,880 |
| Net interest margin | 3.6996% | 2,319 |
| Noninterest income to average assets | 0.4332% | 2,891 |
| Noninterest expense to average assets | 2.8134% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8736% | 2,602 |
| Return on assets (ROA) | 0.9112% | 2,593 |
| Pretax return on assets | 1.0855% | 2,572 |
| Return on Equity (ROE) | 7.3200% | 2,819 |
| Retained earnings to average equity (ytd only) | 5.0400% | 2,263 |
| Net charge-offs to loans | -0.3994% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9974% | 1,936 |
| Assets per employee ($millions) | 3.5007% | 4,480 |
| Cash dividends to net income (ytd only)* | 31.1475% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,597 |
| Loan loss allowance to noncurrent loans | 320.3488% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 3,622 |
| Noncurrent loans to loans | 0.4458% | 2,915 |
| Net loans and leases to total assets | 47.2310% | 4,377 |
| Net loans and leases to deposits | 54.6120% | 4,416 |
| Net loans and leases to core deposits | 55.9639% | 4,491 |
| Total domestic deposits to total assets | 86.4845% | 1,789 |
| Equity capital to assets | 12.3964% | 1,794 |
| Core capital (leverage) ratio | 12.3581% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3664% | 424 |
| Memoranda: | ||
| Average total assets | $80,330,000 | 4,262 |
| Average earning assets | $74,278,000 | 4,253 |
| Average equity | $10,000,000 | 4,243 |
| Average total loans | $39,054,500 | 4,396 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 4,448 |
| Cost of funding earning assets | 0.1874% | 4,988 |
| Net interest margin | 3.7048% | 2,802 |
| Noninterest income to average assets | 0.3729% | 3,465 |
| Noninterest expense to average assets | 2.8876% | 2,331 |
| Loan and lease loss provision to assets | 0.0183% | 3,644 |
| Net operating income to assets | 0.7051% | 3,858 |
| Return on assets (ROA) | 0.7225% | 3,861 |
| Pretax return on assets | 0.9694% | 3,541 |
| Return on Equity (ROE) | 6.0896% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.8635% | 2,491 |
| Net charge-offs to loans | 0.1001% | 1,729 |
| Credit loss provision to net charge-offs | 39.4737% | 3,206 |
| Earnings coverage of net charge-offs (x) | 20.7895% | 1,919 |
| Efficiency ratio | 74.9365% | 1,496 |
| Assets per employee ($millions) | 4.4525% | 3,302 |
| Cash dividends to net income (ytd only)* | 20.1354% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 1,943 |
| Loan loss allowance to noncurrent loans | 284.4444% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 3,551 |
| Noncurrent loans to loans | 0.4554% | 2,812 |
| Net loans and leases to total assets | 48.6843% | 4,389 |
| Net loans and leases to deposits | 56.9157% | 4,422 |
| Net loans and leases to core deposits | 58.3403% | 4,505 |
| Total domestic deposits to total assets | 85.5375% | 2,272 |
| Equity capital to assets | 12.5011% | 1,818 |
| Core capital (leverage) ratio | 11.7490% | 1,923 |
| Tier 1 risk-based capital ratio | 23.5231% | 862 |
| Total risk-based capital ratio | 24.7694% | 851 |
| Memoranda: | ||
| Average total assets | $81,799,000 | 4,258 |
| Average earning assets | $76,845,600 | 4,235 |
| Average equity | $9,705,000 | 4,276 |
| Average total loans | $37,974,800 | 4,450 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 4,599 |
| Cost of funding earning assets | 0.1755% | 5,079 |
| Net interest margin | 3.6798% | 2,992 |
| Noninterest income to average assets | 0.3811% | 3,431 |
| Noninterest expense to average assets | 2.6921% | 2,888 |
| Loan and lease loss provision to assets | 0.0243% | 3,407 |
| Net operating income to assets | 0.9533% | 3,152 |
| Return on assets (ROA) | 0.9520% | 3,235 |
| Pretax return on assets | 1.1320% | 3,199 |
| Return on Equity (ROE) | 8.1302% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.5374% | 2,096 |
| Net charge-offs to loans | -0.0035% | 4,132 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9242% | 2,126 |
| Assets per employee ($millions) | 4.8004% | 2,792 |
| Cash dividends to net income (ytd only)* | 19.5911% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,458 |
| Loan loss allowance to noncurrent loans | 247.0852% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 3,459 |
| Noncurrent loans to loans | 0.5793% | 2,552 |
| Net loans and leases to total assets | 46.4936% | 4,580 |
| Net loans and leases to deposits | 53.6707% | 4,647 |
| Net loans and leases to core deposits | 54.8319% | 4,721 |
| Total domestic deposits to total assets | 86.6274% | 1,720 |
| Equity capital to assets | 12.2551% | 2,074 |
| Core capital (leverage) ratio | 11.7311% | 2,058 |
| Tier 1 risk-based capital ratio | 24.2085% | 827 |
| Total risk-based capital ratio | 25.4609% | 815 |
| Memoranda: | ||
| Average total assets | $82,212,500 | 4,308 |
| Average earning assets | $77,503,250 | 4,272 |
| Average equity | $9,626,500 | 4,338 |
| Average total loans | $37,586,000 | 4,521 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7798% | 4,740 |
| Cost of funding earning assets | 0.1547% | 5,154 |
| Net interest margin | 3.6251% | 3,177 |
| Noninterest income to average assets | 0.4077% | 3,229 |
| Noninterest expense to average assets | 2.6816% | 2,970 |
| Loan and lease loss provision to assets | 0.0364% | 3,088 |
| Net operating income to assets | 0.9877% | 2,964 |
| Return on assets (ROA) | 0.9877% | 3,036 |
| Pretax return on assets | 1.1018% | 3,226 |
| Return on Equity (ROE) | 8.5669% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.3671% | 1,667 |
| Net charge-offs to loans | -0.0054% | 4,141 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2033% | 2,194 |
| Assets per employee ($millions) | 3.5618% | 4,428 |
| Cash dividends to net income (ytd only)* | 14.0049% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,405 |
| Loan loss allowance to noncurrent loans | 92.7609% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7251% | 1,902 |
| Noncurrent loans to loans | 1.5657% | 975 |
| Net loans and leases to total assets | 45.6379% | 4,654 |
| Net loans and leases to deposits | 52.7499% | 4,719 |
| Net loans and leases to core deposits | 53.6499% | 4,789 |
| Total domestic deposits to total assets | 86.5175% | 1,811 |
| Equity capital to assets | 12.0140% | 2,174 |
| Core capital (leverage) ratio | 11.1847% | 2,428 |
| Tier 1 risk-based capital ratio | 23.7530% | 870 |
| Total risk-based capital ratio | 25.0050% | 852 |
| Memoranda: | ||
| Average total assets | $82,414,330 | 4,337 |
| Average earning assets | $77,571,000 | 4,302 |
| Average equity | $9,501,670 | 4,371 |
| Average total loans | $37,283,670 | 4,564 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 4,865 |
| Cost of funding earning assets | 0.1186% | 5,256 |
| Net interest margin | 3.5694% | 3,366 |
| Noninterest income to average assets | 0.3968% | 3,201 |
| Noninterest expense to average assets | 2.5163% | 3,454 |
| Loan and lease loss provision to assets | 0.0726% | 2,219 |
| Net operating income to assets | 1.0771% | 2,557 |
| Return on assets (ROA) | 1.0501% | 2,699 |
| Pretax return on assets | 1.1275% | 3,058 |
| Return on Equity (ROE) | 9.3018% | 2,672 |
| Retained earnings to average equity (ytd only) | 6.8585% | 2,093 |
| Net charge-offs to loans | -0.0108% | 4,255 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1835% | 2,764 |
| Assets per employee ($millions) | 4.3704% | 3,377 |
| Cash dividends to net income (ytd only)* | 26.2673% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,382 |
| Loan loss allowance to noncurrent loans | 236.4807% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 3,483 |
| Noncurrent loans to loans | 0.6277% | 2,445 |
| Net loans and leases to total assets | 44.0365% | 4,750 |
| Net loans and leases to deposits | 50.2950% | 4,807 |
| Net loans and leases to core deposits | 50.9049% | 4,865 |
| Total domestic deposits to total assets | 87.5563% | 1,545 |
| Equity capital to assets | 11.4430% | 2,452 |
| Core capital (leverage) ratio | 11.2944% | 2,298 |
| Tier 1 risk-based capital ratio | 22.3222% | 1,014 |
| Total risk-based capital ratio | 23.5728% | 994 |
| Memoranda: | ||
| Average total assets | $82,661,000 | 4,372 |
| Average earning assets | $77,547,500 | 4,346 |
| Average equity | $9,331,500 | 4,419 |
| Average total loans | $36,956,500 | 4,620 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 4,905 |
| Cost of funding earning assets | 0.1072% | 5,274 |
| Net interest margin | 3.4034% | 3,990 |
| Noninterest income to average assets | 0.5022% | 2,824 |
| Noninterest expense to average assets | 2.7302% | 2,931 |
| Loan and lease loss provision to assets | 0.0742% | 2,645 |
| Net operating income to assets | 0.8684% | 3,543 |
| Return on assets (ROA) | 0.8672% | 3,544 |
| Pretax return on assets | 0.8783% | 3,954 |
| Return on Equity (ROE) | 7.6308% | 3,603 |
| Retained earnings to average equity (ytd only) | -1.2410% | 5,093 |
| Net charge-offs to loans | 0.0285% | 2,839 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 77.1000% | 880 |
| Efficiency ratio | 74.1101% | 1,614 |
| Assets per employee ($millions) | 4.1142% | 3,732 |
| Cash dividends to net income (ytd only)* | 116.2625% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,428 |
| Loan loss allowance to noncurrent loans | 225.2101% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 3,423 |
| Noncurrent loans to loans | 0.6468% | 2,373 |
| Net loans and leases to total assets | 44.0657% | 4,814 |
| Net loans and leases to deposits | 50.1646% | 4,878 |
| Net loans and leases to core deposits | 50.5641% | 4,930 |
| Total domestic deposits to total assets | 87.8421% | 1,374 |
| Equity capital to assets | 11.1334% | 2,572 |
| Core capital (leverage) ratio | 10.9002% | 2,622 |
| Tier 1 risk-based capital ratio | 21.1484% | 1,138 |
| Total risk-based capital ratio | 22.3815% | 1,124 |
| Memoranda: | ||
| Average total assets | $80,836,400 | 4,420 |
| Average earning assets | $75,571,200 | 4,389 |
| Average equity | $9,186,400 | 4,438 |
| Average total loans | $35,129,400 | 4,682 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4355% | 4,997 |
| Cost of funding earning assets | 0.1049% | 5,340 |
| Net interest margin | 3.3306% | 4,200 |
| Noninterest income to average assets | 0.5136% | 2,784 |
| Noninterest expense to average assets | 2.5647% | 3,399 |
| Loan and lease loss provision to assets | 0.0746% | 2,468 |
| Net operating income to assets | 0.9492% | 3,310 |
| Return on assets (ROA) | 0.9460% | 3,327 |
| Pretax return on assets | 0.9758% | 3,794 |
| Return on Equity (ROE) | 8.2816% | 3,425 |
| Retained earnings to average equity (ytd only) | -3.5390% | 5,271 |
| Net charge-offs to loans | 0.1268% | 1,249 |
| Credit loss provision to net charge-offs | 136.3636% | 1,836 |
| Earnings coverage of net charge-offs (x) | 19.2723% | 2,014 |
| Efficiency ratio | 70.8791% | 2,059 |
| Assets per employee ($millions) | 4.2409% | 3,518 |
| Cash dividends to net income (ytd only)* | 142.7329% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 1,754 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,966 |
| Noncurrent loans to loans | 0.4623% | 2,998 |
| Net loans and leases to total assets | 41.7435% | 4,972 |
| Net loans and leases to deposits | 47.1759% | 5,031 |
| Net loans and leases to core deposits | 47.5370% | 5,078 |
| Total domestic deposits to total assets | 88.4848% | 1,053 |
| Equity capital to assets | 10.6581% | 2,975 |
| Core capital (leverage) ratio | 10.8849% | 2,687 |
| Tier 1 risk-based capital ratio | 20.8102% | 1,211 |
| Total risk-based capital ratio | 21.9532% | 1,203 |
| Memoranda: | ||
| Average total assets | $80,474,500 | 4,463 |
| Average earning assets | $75,018,750 | 4,448 |
| Average equity | $9,192,750 | 4,478 |
| Average total loans | $34,713,000 | 4,744 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 5,099 |
| Cost of funding earning assets | 0.1001% | 5,410 |
| Net interest margin | 3.2437% | 4,396 |
| Noninterest income to average assets | 0.5416% | 2,619 |
| Noninterest expense to average assets | 2.6017% | 3,322 |
| Loan and lease loss provision to assets | 0.0759% | 2,381 |
| Net operating income to assets | 0.8908% | 3,494 |
| Return on assets (ROA) | 0.8858% | 3,523 |
| Pretax return on assets | 0.8934% | 3,985 |
| Return on Equity (ROE) | 7.5727% | 3,691 |
| Retained earnings to average equity (ytd only) | -8.8277% | 5,397 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7530% | 1,877 |
| Assets per employee ($millions) | 3.5537% | 4,528 |
| Cash dividends to net income (ytd only)* | 216.5714% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 1,512 |
| Loan loss allowance to noncurrent loans | 139.4595% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 2,919 |
| Noncurrent loans to loans | 1.0488% | 1,672 |
| Net loans and leases to total assets | 42.5306% | 4,966 |
| Net loans and leases to deposits | 48.2136% | 5,022 |
| Net loans and leases to core deposits | 48.5978% | 5,074 |
| Total domestic deposits to total assets | 88.2130% | 1,267 |
| Equity capital to assets | 10.9000% | 2,732 |
| Core capital (leverage) ratio | 10.8466% | 2,663 |
| Tier 1 risk-based capital ratio | 20.6149% | 1,229 |
| Total risk-based capital ratio | 21.8096% | 1,209 |
| Memoranda: | ||
| Average total assets | $79,026,670 | 4,531 |
| Average earning assets | $73,929,000 | 4,507 |
| Average equity | $9,243,670 | 4,504 |
| Average total loans | $34,316,000 | 4,802 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2617% | 5,181 |
| Cost of funding earning assets | 0.0941% | 5,474 |
| Net interest margin | 3.1676% | 4,559 |
| Noninterest income to average assets | 0.5304% | 2,630 |
| Noninterest expense to average assets | 2.5388% | 3,532 |
| Loan and lease loss provision to assets | 0.0772% | 2,223 |
| Net operating income to assets | 0.9270% | 3,170 |
| Return on assets (ROA) | 0.9167% | 3,235 |
| Pretax return on assets | 0.8497% | 4,009 |
| Return on Equity (ROE) | 7.5656% | 3,550 |
| Retained earnings to average equity (ytd only) | 4.9304% | 3,215 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0370% | 2,037 |
| Assets per employee ($millions) | 3.3918% | 4,801 |
| Cash dividends to net income (ytd only)* | 34.8315% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 1,535 |
| Loan loss allowance to noncurrent loans | 111.3333% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 2,593 |
| Noncurrent loans to loans | 1.3290% | 1,343 |
| Net loans and leases to total assets | 42.7627% | 4,950 |
| Net loans and leases to deposits | 49.1202% | 5,003 |
| Net loans and leases to core deposits | 49.5352% | 5,055 |
| Total domestic deposits to total assets | 87.0571% | 2,100 |
| Equity capital to assets | 12.0815% | 1,725 |
| Core capital (leverage) ratio | 12.1697% | 1,549 |
| Tier 1 risk-based capital ratio | 22.7831% | 962 |
| Total risk-based capital ratio | 23.9936% | 946 |
| Memoranda: | ||
| Average total assets | $77,673,000 | 4,612 |
| Average earning assets | $72,231,500 | 4,590 |
| Average equity | $9,411,000 | 4,516 |
| Average total loans | $33,835,000 | 4,869 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 5,218 |
| Cost of funding earning assets | 0.1101% | 5,457 |
| Net interest margin | 3.0687% | 4,746 |
| Noninterest income to average assets | 0.4277% | 3,454 |
| Noninterest expense to average assets | 2.6279% | 3,359 |
| Loan and lease loss provision to assets | 0.0737% | 2,733 |
| Net operating income to assets | 0.3793% | 4,756 |
| Return on assets (ROA) | 0.3810% | 4,762 |
| Pretax return on assets | 0.5371% | 4,867 |
| Return on Equity (ROE) | 3.3062% | 4,744 |
| Retained earnings to average equity (ytd only) | 1.9624% | 4,146 |
| Net charge-offs to loans | 0.1085% | 1,985 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 2,372 |
| Efficiency ratio | 81.2002% | 986 |
| Assets per employee ($millions) | 3.8667% | 4,169 |
| Cash dividends to net income (ytd only)* | 40.6452% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,624 |
| Loan loss allowance to noncurrent loans | 105.8824% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 2,577 |
| Noncurrent loans to loans | 1.3576% | 1,285 |
| Net loans and leases to total assets | 43.0897% | 5,025 |
| Net loans and leases to deposits | 49.6469% | 5,071 |
| Net loans and leases to core deposits | 49.8355% | 5,141 |
| Total domestic deposits to total assets | 86.7924% | 2,091 |
| Equity capital to assets | 12.1512% | 1,732 |
| Core capital (leverage) ratio | 11.6081% | 1,865 |
| Tier 1 risk-based capital ratio | 21.9075% | 1,028 |
| Total risk-based capital ratio | 23.0509% | 1,019 |
| Memoranda: | ||
| Average total assets | $81,358,200 | 4,562 |
| Average earning assets | $74,461,600 | 4,578 |
| Average equity | $9,376,400 | 4,544 |
| Average total loans | $33,190,600 | 4,915 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1470% | 5,293 |
| Cost of funding earning assets | 0.1123% | 5,509 |
| Net interest margin | 3.0348% | 4,842 |
| Noninterest income to average assets | 0.3998% | 3,688 |
| Noninterest expense to average assets | 2.4962% | 3,752 |
| Loan and lease loss provision to assets | 0.0728% | 2,613 |
| Net operating income to assets | 0.5844% | 4,442 |
| Return on assets (ROA) | 0.5876% | 4,470 |
| Pretax return on assets | 0.5909% | 4,863 |
| Return on Equity (ROE) | 5.1646% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.4289% | 3,886 |
| Net charge-offs to loans | 0.1453% | 1,375 |
| Credit loss provision to net charge-offs | 125.0000% | 1,938 |
| Earnings coverage of net charge-offs (x) | 11.3331% | 2,512 |
| Efficiency ratio | 79.0769% | 1,205 |
| Assets per employee ($millions) | 3.5047% | 4,728 |
| Cash dividends to net income (ytd only)* | 33.6081% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,795 |
| Loan loss allowance to noncurrent loans | 101.2903% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 2,798 |
| Noncurrent loans to loans | 1.4060% | 1,328 |
| Net loans and leases to total assets | 40.4444% | 5,178 |
| Net loans and leases to deposits | 46.4012% | 5,241 |
| Net loans and leases to core deposits | 46.5689% | 5,300 |
| Total domestic deposits to total assets | 87.1624% | 1,790 |
| Equity capital to assets | 11.8526% | 2,071 |
| Core capital (leverage) ratio | 11.5869% | 1,960 |
| Tier 1 risk-based capital ratio | 21.9458% | 1,048 |
| Total risk-based capital ratio | 23.0490% | 1,046 |
| Memoranda: | ||
| Average total assets | $82,364,250 | 4,590 |
| Average earning assets | $74,819,750 | 4,613 |
| Average equity | $9,371,250 | 4,593 |
| Average total loans | $33,036,000 | 4,970 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1133% | 5,336 |
| Cost of funding earning assets | 0.1149% | 5,535 |
| Net interest margin | 2.9984% | 4,918 |
| Noninterest income to average assets | 0.4027% | 3,676 |
| Noninterest expense to average assets | 2.4810% | 3,809 |
| Loan and lease loss provision to assets | 0.0723% | 2,526 |
| Net operating income to assets | 0.5521% | 4,512 |
| Return on assets (ROA) | 0.5570% | 4,538 |
| Pretax return on assets | 0.5594% | 4,881 |
| Return on Equity (ROE) | 4.9622% | 4,491 |
| Retained earnings to average equity (ytd only) | 3.6519% | 3,530 |
| Net charge-offs to loans | 0.2180% | 935 |
| Credit loss provision to net charge-offs | 83.3333% | 2,220 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 2,623 |
| Efficiency ratio | 79.8293% | 1,225 |
| Assets per employee ($millions) | 3.6687% | 4,485 |
| Cash dividends to net income (ytd only)* | 26.4069% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 2,015 |
| Loan loss allowance to noncurrent loans | 114.5729% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 2,876 |
| Noncurrent loans to loans | 1.2087% | 1,614 |
| Net loans and leases to total assets | 40.2324% | 5,219 |
| Net loans and leases to deposits | 46.1191% | 5,280 |
| Net loans and leases to core deposits | 46.3184% | 5,332 |
| Total domestic deposits to total assets | 87.2359% | 1,842 |
| Equity capital to assets | 11.7431% | 2,120 |
| Core capital (leverage) ratio | 11.1515% | 2,272 |
| Tier 1 risk-based capital ratio | 21.4253% | 1,123 |
| Total risk-based capital ratio | 22.4759% | 1,132 |
| Memoranda: | ||
| Average total assets | $82,950,000 | 4,607 |
| Average earning assets | $74,839,000 | 4,638 |
| Average equity | $9,310,330 | 4,621 |
| Average total loans | $33,024,000 | 5,008 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1051% | 5,361 |
| Cost of funding earning assets | 0.1240% | 5,531 |
| Net interest margin | 2.9811% | 4,927 |
| Noninterest income to average assets | 0.3616% | 3,947 |
| Noninterest expense to average assets | 2.3933% | 4,132 |
| Loan and lease loss provision to assets | 0.0714% | 2,379 |
| Net operating income to assets | 0.5281% | 4,477 |
| Return on assets (ROA) | 0.5329% | 4,494 |
| Pretax return on assets | 0.5329% | 4,893 |
| Return on Equity (ROE) | 4.8556% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.2110% | 4,261 |
| Net charge-offs to loans | 0.0121% | 2,574 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 436 |
| Efficiency ratio | 79.9682% | 1,387 |
| Assets per employee ($millions) | 3.6413% | 4,585 |
| Cash dividends to net income (ytd only)* | 54.4643% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,925 |
| Loan loss allowance to noncurrent loans | 94.0711% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 2,832 |
| Noncurrent loans to loans | 1.5247% | 1,298 |
| Net loans and leases to total assets | 39.0563% | 5,285 |
| Net loans and leases to deposits | 44.3682% | 5,356 |
| Net loans and leases to core deposits | 44.5507% | 5,399 |
| Total domestic deposits to total assets | 88.0276% | 1,700 |
| Equity capital to assets | 11.0852% | 2,550 |
| Core capital (leverage) ratio | 10.9269% | 2,442 |
| Tier 1 risk-based capital ratio | 21.4377% | 1,156 |
| Total risk-based capital ratio | 22.5495% | 1,157 |
| Memoranda: | ||
| Average total assets | $84,069,500 | 4,637 |
| Average earning assets | $74,201,000 | 4,702 |
| Average equity | $9,226,500 | 4,674 |
| Average total loans | $33,072,000 | 5,053 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1460% | 5,360 |
| Cost of funding earning assets | 0.0966% | 5,720 |
| Net interest margin | 3.0494% | 4,851 |
| Noninterest income to average assets | 0.4125% | 3,792 |
| Noninterest expense to average assets | 2.6786% | 3,420 |
| Loan and lease loss provision to assets | 0.0737% | 2,883 |
| Net operating income to assets | 0.4028% | 4,934 |
| Return on assets (ROA) | 0.8212% | 3,303 |
| Pretax return on assets | 0.9195% | 3,772 |
| Return on Equity (ROE) | 7.3052% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.9840% | 1,710 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6656% | 1,040 |
| Assets per employee ($millions) | 3.6690% | 4,520 |
| Cash dividends to net income (ytd only)* | 18.0867% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 2,070 |
| Loan loss allowance to noncurrent loans | 93.1452% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 2,803 |
| Noncurrent loans to loans | 1.5049% | 1,330 |
| Net loans and leases to total assets | 38.5078% | 5,382 |
| Net loans and leases to deposits | 43.6340% | 5,447 |
| Net loans and leases to core deposits | 43.8117% | 5,491 |
| Total domestic deposits to total assets | 88.2519% | 1,508 |
| Equity capital to assets | 10.8653% | 2,748 |
| Core capital (leverage) ratio | 10.7470% | 2,600 |
| Tier 1 risk-based capital ratio | 20.8339% | 1,241 |
| Total risk-based capital ratio | 21.8883% | 1,239 |
| Memoranda: | ||
| Average total assets | $81,461,600 | 4,707 |
| Average earning assets | $74,506,800 | 4,713 |
| Average equity | $9,157,800 | 4,727 |
| Average total loans | $32,944,200 | 5,099 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3458% | 5,132 |
| Cost of funding earning assets | 0.0914% | 5,806 |
| Net interest margin | 3.2544% | 4,333 |
| Noninterest income to average assets | 0.4277% | 3,710 |
| Noninterest expense to average assets | 2.5731% | 3,754 |
| Loan and lease loss provision to assets | 0.0743% | 2,733 |
| Net operating income to assets | 0.7845% | 3,436 |
| Return on assets (ROA) | 0.7845% | 3,578 |
| Pretax return on assets | 0.7795% | 4,372 |
| Return on Equity (ROE) | 6.9177% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.1701% | 2,714 |
| Net charge-offs to loans | -0.1376% | 5,673 |
| Credit loss provision to net charge-offs | -132.3529% | 4,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0843% | 2,094 |
| Assets per employee ($millions) | 3.6457% | 4,576 |
| Cash dividends to net income (ytd only)* | 25.2637% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 2,092 |
| Loan loss allowance to noncurrent loans | 88.2569% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 2,802 |
| Noncurrent loans to loans | 1.6129% | 1,333 |
| Net loans and leases to total assets | 39.7236% | 5,393 |
| Net loans and leases to deposits | 45.2617% | 5,480 |
| Net loans and leases to core deposits | 45.4482% | 5,531 |
| Total domestic deposits to total assets | 87.7642% | 1,520 |
| Equity capital to assets | 11.1494% | 2,857 |
| Core capital (leverage) ratio | 10.7354% | 2,743 |
| Tier 1 risk-based capital ratio | 19.8883% | 1,465 |
| Total risk-based capital ratio | 20.9588% | 1,467 |
| Memoranda: | ||
| Average total assets | $80,730,000 | 4,761 |
| Average earning assets | $74,399,500 | 4,750 |
| Average equity | $9,155,000 | 4,776 |
| Average total loans | $32,940,750 | 5,152 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1231% | 5,522 |
| Cost of funding earning assets | 0.0813% | 5,923 |
| Net interest margin | 3.0418% | 4,989 |
| Noninterest income to average assets | 0.4518% | 3,512 |
| Noninterest expense to average assets | 2.6252% | 3,632 |
| Loan and lease loss provision to assets | 0.0753% | 2,630 |
| Net operating income to assets | 0.5672% | 4,410 |
| Return on assets (ROA) | 0.5672% | 4,536 |
| Pretax return on assets | 0.5697% | 4,972 |
| Return on Equity (ROE) | 4.9723% | 4,529 |
| Retained earnings to average equity (ytd only) | 3.5862% | 3,611 |
| Net charge-offs to loans | -0.2266% | 5,833 |
| Credit loss provision to net charge-offs | -81.0811% | 4,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2763% | 1,465 |
| Assets per employee ($millions) | 3.5463% | 4,681 |
| Cash dividends to net income (ytd only)* | 27.8761% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 2,141 |
| Loan loss allowance to noncurrent loans | 86.6913% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 2,824 |
| Noncurrent loans to loans | 1.6534% | 1,288 |
| Net loans and leases to total assets | 39.5402% | 5,442 |
| Net loans and leases to deposits | 45.2189% | 5,519 |
| Net loans and leases to core deposits | 45.4112% | 5,580 |
| Total domestic deposits to total assets | 87.4419% | 1,694 |
| Equity capital to assets | 11.3554% | 2,688 |
| Core capital (leverage) ratio | 10.6478% | 2,797 |
| Tier 1 risk-based capital ratio | 19.4475% | 1,583 |
| Total risk-based capital ratio | 20.4906% | 1,603 |
| Memoranda: | ||
| Average total assets | $79,689,330 | 4,825 |
| Average earning assets | $73,836,670 | 4,805 |
| Average equity | $9,090,330 | 4,826 |
| Average total loans | $32,657,670 | 5,209 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1387% | 5,567 |
| Cost of funding earning assets | 0.0763% | 5,998 |
| Net interest margin | 3.0624% | 4,966 |
| Noninterest income to average assets | 0.4368% | 3,562 |
| Noninterest expense to average assets | 2.5853% | 3,795 |
| Loan and lease loss provision to assets | 0.0762% | 2,433 |
| Net operating income to assets | 0.6044% | 4,159 |
| Return on assets (ROA) | 0.6044% | 4,279 |
| Pretax return on assets | 0.6298% | 4,734 |
| Return on Equity (ROE) | 5.2862% | 4,346 |
| Retained earnings to average equity (ytd only) | 2.4876% | 4,261 |
| Net charge-offs to loans | -0.4168% | 5,972 |
| Credit loss provision to net charge-offs | -44.1176% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5494% | 1,820 |
| Assets per employee ($millions) | 3.4319% | 4,911 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 2,428 |
| Loan loss allowance to noncurrent loans | 82.4497% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 2,830 |
| Noncurrent loans to loans | 1.6967% | 1,334 |
| Net loans and leases to total assets | 40.2716% | 5,443 |
| Net loans and leases to deposits | 46.0950% | 5,498 |
| Net loans and leases to core deposits | 46.2970% | 5,575 |
| Total domestic deposits to total assets | 87.3667% | 2,019 |
| Equity capital to assets | 11.5020% | 2,439 |
| Core capital (leverage) ratio | 10.9797% | 2,423 |
| Tier 1 risk-based capital ratio | 19.4615% | 1,621 |
| Total risk-based capital ratio | 20.4777% | 1,642 |
| Memoranda: | ||
| Average total assets | $78,751,500 | 4,887 |
| Average earning assets | $73,405,500 | 4,858 |
| Average equity | $9,004,500 | 4,862 |
| Average total loans | $32,626,500 | 5,248 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2237% | 5,483 |
| Cost of funding earning assets | 0.0736% | 6,055 |
| Net interest margin | 3.1502% | 4,778 |
| Noninterest income to average assets | 0.4592% | 3,596 |
| Noninterest expense to average assets | 2.8165% | 3,165 |
| Loan and lease loss provision to assets | 0.0770% | 2,740 |
| Net operating income to assets | 0.4631% | 4,837 |
| Return on assets (ROA) | 0.4656% | 4,904 |
| Pretax return on assets | 0.4797% | 5,155 |
| Return on Equity (ROE) | 4.0379% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.3682% | 4,947 |
| Net charge-offs to loans | 0.1889% | 1,535 |
| Credit loss provision to net charge-offs | 93.7500% | 2,689 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 3,174 |
| Efficiency ratio | 83.5616% | 1,220 |
| Assets per employee ($millions) | 3.4160% | 4,958 |
| Cash dividends to net income (ytd only)* | 66.1157% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,371 |
| Loan loss allowance to noncurrent loans | 74.8603% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 2,999 |
| Noncurrent loans to loans | 1.6266% | 1,406 |
| Net loans and leases to total assets | 41.5075% | 5,438 |
| Net loans and leases to deposits | 47.4329% | 5,501 |
| Net loans and leases to core deposits | 47.6414% | 5,577 |
| Total domestic deposits to total assets | 87.5078% | 1,880 |
| Equity capital to assets | 11.3658% | 2,478 |
| Core capital (leverage) ratio | 10.6874% | 2,721 |
| Tier 1 risk-based capital ratio | 19.8814% | 1,501 |
| Total risk-based capital ratio | 20.8128% | 1,542 |
| Memoranda: | ||
| Average total assets | $77,968,800 | 4,914 |
| Average earning assets | $72,059,800 | 4,893 |
| Average equity | $8,989,800 | 4,852 |
| Average total loans | $33,874,000 | 5,230 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2550% | 5,496 |
| Cost of funding earning assets | 0.0706% | 6,152 |
| Net interest margin | 3.1843% | 4,716 |
| Noninterest income to average assets | 0.4643% | 3,601 |
| Noninterest expense to average assets | 2.6882% | 3,605 |
| Loan and lease loss provision to assets | 0.0771% | 2,646 |
| Net operating income to assets | 0.6135% | 4,310 |
| Return on assets (ROA) | 0.6168% | 4,408 |
| Pretax return on assets | 0.6374% | 4,875 |
| Return on Equity (ROE) | 5.3304% | 4,474 |
| Retained earnings to average equity (ytd only) | 3.6129% | 3,898 |
| Net charge-offs to loans | 0.2464% | 1,063 |
| Credit loss provision to net charge-offs | 71.4286% | 2,733 |
| Earnings coverage of net charge-offs (x) | 6.5871% | 3,028 |
| Efficiency ratio | 79.0827% | 1,793 |
| Assets per employee ($millions) | 3.4263% | 4,931 |
| Cash dividends to net income (ytd only)* | 32.2215% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,983 |
| Loan loss allowance to noncurrent loans | 71.3235% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 3,180 |
| Noncurrent loans to loans | 1.6017% | 1,547 |
| Net loans and leases to total assets | 42.6046% | 5,455 |
| Net loans and leases to deposits | 48.7343% | 5,524 |
| Net loans and leases to core deposits | 48.9474% | 5,613 |
| Total domestic deposits to total assets | 87.4223% | 1,836 |
| Equity capital to assets | 11.5245% | 2,487 |
| Core capital (leverage) ratio | 11.1592% | 2,341 |
| Tier 1 risk-based capital ratio | 20.6783% | 1,407 |
| Total risk-based capital ratio | 21.6010% | 1,435 |
| Memoranda: | ||
| Average total assets | $77,818,750 | 4,971 |
| Average earning assets | $71,724,250 | 4,955 |
| Average equity | $9,004,750 | 4,905 |
| Average total loans | $34,089,000 | 5,278 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2725% | 5,489 |
| Cost of funding earning assets | 0.0705% | 6,224 |
| Net interest margin | 3.2020% | 4,654 |
| Noninterest income to average assets | 0.4543% | 3,667 |
| Noninterest expense to average assets | 2.6352% | 3,794 |
| Loan and lease loss provision to assets | 0.0774% | 2,575 |
| Net operating income to assets | 0.6401% | 4,171 |
| Return on assets (ROA) | 0.6401% | 4,280 |
| Pretax return on assets | 0.6711% | 4,755 |
| Return on Equity (ROE) | 5.5240% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.2321% | 3,340 |
| Net charge-offs to loans | 0.3692% | 704 |
| Credit loss provision to net charge-offs | 47.6190% | 2,730 |
| Earnings coverage of net charge-offs (x) | 4.6032% | 3,021 |
| Efficiency ratio | 77.8795% | 2,091 |
| Assets per employee ($millions) | 3.3498% | 5,073 |
| Cash dividends to net income (ytd only)* | 23.3871% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 4,427 |
| Loan loss allowance to noncurrent loans | 79.1932% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 3,582 |
| Noncurrent loans to loans | 1.3666% | 1,979 |
| Net loans and leases to total assets | 44.2495% | 5,370 |
| Net loans and leases to deposits | 51.3805% | 5,424 |
| Net loans and leases to core deposits | 51.6139% | 5,554 |
| Total domestic deposits to total assets | 86.1211% | 2,628 |
| Equity capital to assets | 11.7516% | 2,205 |
| Core capital (leverage) ratio | 11.0696% | 2,359 |
| Tier 1 risk-based capital ratio | 20.9832% | 1,366 |
| Total risk-based capital ratio | 21.8882% | 1,404 |
| Memoranda: | ||
| Average total assets | $77,489,670 | 5,029 |
| Average earning assets | $70,894,000 | 5,023 |
| Average equity | $8,979,000 | 4,947 |
| Average total loans | $34,131,000 | 5,320 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 5,537 |
| Cost of funding earning assets | 0.0684% | 6,300 |
| Net interest margin | 3.1900% | 4,648 |
| Noninterest income to average assets | 0.4375% | 3,710 |
| Noninterest expense to average assets | 2.4707% | 4,365 |
| Loan and lease loss provision to assets | 0.0772% | 2,412 |
| Net operating income to assets | 0.7103% | 3,745 |
| Return on assets (ROA) | 0.7103% | 3,871 |
| Pretax return on assets | 0.7721% | 4,339 |
| Return on Equity (ROE) | 6.1735% | 3,945 |
| Retained earnings to average equity (ytd only) | 3.5788% | 3,852 |
| Net charge-offs to loans | 0.7420% | 320 |
| Credit loss provision to net charge-offs | 23.8095% | 2,329 |
| Earnings coverage of net charge-offs (x) | 2.6190% | 2,726 |
| Efficiency ratio | 74.4186% | 2,742 |
| Assets per employee ($millions) | 3.4377% | 5,020 |
| Cash dividends to net income (ytd only)* | 42.0290% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 4,689 |
| Loan loss allowance to noncurrent loans | 58.9786% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 3,192 |
| Noncurrent loans to loans | 1.8046% | 1,504 |
| Net loans and leases to total assets | 42.0878% | 5,480 |
| Net loans and leases to deposits | 48.0445% | 5,562 |
| Net loans and leases to core deposits | 48.0445% | 5,669 |
| Total domestic deposits to total assets | 87.6018% | 2,042 |
| Equity capital to assets | 11.3662% | 2,583 |
| Core capital (leverage) ratio | 11.0895% | 2,323 |
| Tier 1 risk-based capital ratio | 20.1060% | 1,590 |
| Total risk-based capital ratio | 20.9490% | 1,655 |
| Memoranda: | ||
| Average total assets | $77,712,000 | 5,078 |
| Average earning assets | $70,220,000 | 5,084 |
| Average equity | $8,941,500 | 5,008 |
| Average total loans | $33,964,000 | 5,375 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3484% | 5,624 |
| Cost of funding earning assets | 0.0769% | 6,379 |
| Net interest margin | 3.2715% | 4,678 |
| Noninterest income to average assets | 0.4479% | 3,844 |
| Noninterest expense to average assets | 2.7535% | 3,662 |
| Loan and lease loss provision to assets | 0.0911% | 2,644 |
| Net operating income to assets | 0.5585% | 4,566 |
| Return on assets (ROA) | 0.5585% | 4,659 |
| Pretax return on assets | 0.5937% | 4,966 |
| Return on Equity (ROE) | 4.8630% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.4347% | 3,769 |
| Net charge-offs to loans | 0.5562% | 731 |
| Credit loss provision to net charge-offs | 36.2694% | 3,745 |
| Earnings coverage of net charge-offs (x) | 2.7254% | 4,078 |
| Efficiency ratio | 80.0833% | 1,916 |
| Assets per employee ($millions) | 3.3198% | 5,230 |
| Cash dividends to net income (ytd only)* | 29.3706% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 4,107 |
| Loan loss allowance to noncurrent loans | 59.2701% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 2,966 |
| Noncurrent loans to loans | 1.9976% | 1,389 |
| Net loans and leases to total assets | 44.3790% | 5,443 |
| Net loans and leases to deposits | 50.8265% | 5,542 |
| Net loans and leases to core deposits | 51.0185% | 5,665 |
| Total domestic deposits to total assets | 87.3147% | 2,120 |
| Equity capital to assets | 11.6507% | 2,301 |
| Core capital (leverage) ratio | 10.8604% | 2,546 |
| Tier 1 risk-based capital ratio | 19.3994% | 1,749 |
| Total risk-based capital ratio | 20.7430% | 1,692 |
| Memoranda: | ||
| Average total assets | $76,810,000 | 5,133 |
| Average earning assets | $70,213,400 | 5,117 |
| Average equity | $8,821,800 | 5,020 |
| Average total loans | $34,698,600 | 5,375 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3562% | 5,664 |
| Cost of funding earning assets | 0.0799% | 6,455 |
| Net interest margin | 3.2763% | 4,692 |
| Noninterest income to average assets | 0.4593% | 3,831 |
| Noninterest expense to average assets | 2.6467% | 4,027 |
| Loan and lease loss provision to assets | 0.0173% | 4,070 |
| Net operating income to assets | 0.7453% | 3,695 |
| Return on assets (ROA) | 0.7453% | 3,795 |
| Pretax return on assets | 0.7817% | 4,425 |
| Return on Equity (ROE) | 6.5126% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.6042% | 3,361 |
| Net charge-offs to loans | 0.7433% | 458 |
| Credit loss provision to net charge-offs | 5.1546% | 3,755 |
| Earnings coverage of net charge-offs (x) | 2.3763% | 3,930 |
| Efficiency ratio | 76.8109% | 2,372 |
| Assets per employee ($millions) | 3.3970% | 5,054 |
| Cash dividends to net income (ytd only)* | 29.3030% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 5,225 |
| Loan loss allowance to noncurrent loans | 61.3879% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 3,658 |
| Noncurrent loans to loans | 1.6274% | 2,006 |
| Net loans and leases to total assets | 43.7573% | 5,539 |
| Net loans and leases to deposits | 49.9357% | 5,653 |
| Net loans and leases to core deposits | 50.1195% | 5,783 |
| Total domestic deposits to total assets | 87.6272% | 1,964 |
| Equity capital to assets | 11.4090% | 2,568 |
| Core capital (leverage) ratio | 10.8172% | 2,677 |
| Tier 1 risk-based capital ratio | 19.1023% | 1,882 |
| Total risk-based capital ratio | 20.2560% | 1,871 |
| Memoranda: | ||
| Average total assets | $76,923,500 | 5,188 |
| Average earning assets | $70,117,500 | 5,175 |
| Average equity | $8,803,250 | 5,066 |
| Average total loans | $34,800,250 | 5,422 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3410% | 5,729 |
| Cost of funding earning assets | 0.0772% | 6,528 |
| Net interest margin | 3.2637% | 4,722 |
| Noninterest income to average assets | 0.4652% | 3,746 |
| Noninterest expense to average assets | 2.6006% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8024% | 3,320 |
| Return on assets (ROA) | 0.8024% | 3,425 |
| Pretax return on assets | 0.8468% | 4,091 |
| Return on Equity (ROE) | 7.0041% | 3,621 |
| Retained earnings to average equity (ytd only) | 5.4299% | 2,688 |
| Net charge-offs to loans | -0.0057% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4359% | 2,739 |
| Assets per employee ($millions) | 3.4113% | 5,031 |
| Cash dividends to net income (ytd only)* | 22.4756% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 2,885 |
| Loan loss allowance to noncurrent loans | 66.4994% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 3,038 |
| Noncurrent loans to loans | 2.2591% | 1,446 |
| Net loans and leases to total assets | 44.2894% | 5,517 |
| Net loans and leases to deposits | 50.5043% | 5,601 |
| Net loans and leases to core deposits | 50.6892% | 5,753 |
| Total domestic deposits to total assets | 87.6942% | 2,089 |
| Equity capital to assets | 11.3218% | 2,587 |
| Core capital (leverage) ratio | 10.6868% | 2,736 |
| Tier 1 risk-based capital ratio | 18.6516% | 2,017 |
| Total risk-based capital ratio | 20.2351% | 1,889 |
| Memoranda: | ||
| Average total assets | $76,521,000 | 5,238 |
| Average earning assets | $69,919,670 | 5,223 |
| Average equity | $8,766,330 | 5,094 |
| Average total loans | $34,889,330 | 5,462 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3382% | 5,775 |
| Cost of funding earning assets | 0.0757% | 6,614 |
| Net interest margin | 3.2624% | 4,699 |
| Noninterest income to average assets | 0.4553% | 3,745 |
| Noninterest expense to average assets | 2.4248% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9265% | 2,519 |
| Return on assets (ROA) | 0.9265% | 2,592 |
| Pretax return on assets | 0.9953% | 3,336 |
| Return on Equity (ROE) | 8.0386% | 2,909 |
| Retained earnings to average equity (ytd only) | 4.8691% | 3,191 |
| Net charge-offs to loans | -0.0115% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8978% | 3,667 |
| Assets per employee ($millions) | 3.3542% | 5,247 |
| Cash dividends to net income (ytd only)* | 39.4286% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,076 |
| Loan loss allowance to noncurrent loans | 74.3338% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 3,420 |
| Noncurrent loans to loans | 2.0402% | 1,820 |
| Net loans and leases to total assets | 44.6128% | 5,456 |
| Net loans and leases to deposits | 50.8834% | 5,531 |
| Net loans and leases to core deposits | 51.4554% | 5,651 |
| Total domestic deposits to total assets | 87.6766% | 2,420 |
| Equity capital to assets | 11.3408% | 2,387 |
| Core capital (leverage) ratio | 10.9776% | 2,411 |
| Tier 1 risk-based capital ratio | 18.2968% | 2,176 |
| Total risk-based capital ratio | 19.9213% | 2,027 |
| Memoranda: | ||
| Average total assets | $75,552,000 | 5,311 |
| Average earning assets | $68,660,500 | 5,300 |
| Average equity | $8,708,000 | 5,130 |
| Average total loans | $34,694,500 | 5,510 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 5,555 |
| Cost of funding earning assets | 0.1015% | 6,668 |
| Net interest margin | 3.4400% | 4,132 |
| Noninterest income to average assets | 0.5795% | 3,213 |
| Noninterest expense to average assets | 3.1710% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5849% | 4,337 |
| Return on assets (ROA) | 0.5863% | 4,436 |
| Pretax return on assets | 0.5768% | 4,945 |
| Return on Equity (ROE) | 5.0370% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.6876% | 3,593 |
| Net charge-offs to loans | -0.0029% | 5,878 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6404% | 1,555 |
| Assets per employee ($millions) | 3.2156% | 5,462 |
| Cash dividends to net income (ytd only)* | 26.7898% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,029 |
| Loan loss allowance to noncurrent loans | 148.5955% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 4,795 |
| Noncurrent loans to loans | 1.0336% | 3,444 |
| Net loans and leases to total assets | 45.8544% | 5,504 |
| Net loans and leases to deposits | 52.5783% | 5,583 |
| Net loans and leases to core deposits | 53.1977% | 5,722 |
| Total domestic deposits to total assets | 87.2117% | 2,618 |
| Equity capital to assets | 11.7188% | 2,015 |
| Core capital (leverage) ratio | 10.9094% | 2,466 |
| Tier 1 risk-based capital ratio | 18.9633% | 1,933 |
| Total risk-based capital ratio | 20.6780% | 1,772 |
| Memoranda: | ||
| Average total assets | $73,857,000 | 5,379 |
| Average earning assets | $67,994,000 | 5,348 |
| Average equity | $8,596,400 | 5,192 |
| Average total loans | $34,273,600 | 5,571 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 5,599 |
| Cost of funding earning assets | 0.1058% | 6,754 |
| Net interest margin | 3.4337% | 4,151 |
| Noninterest income to average assets | 0.6284% | 3,003 |
| Noninterest expense to average assets | 3.0230% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8180% | 3,259 |
| Return on assets (ROA) | 0.8180% | 3,382 |
| Pretax return on assets | 0.7711% | 4,414 |
| Return on Equity (ROE) | 7.0404% | 3,625 |
| Retained earnings to average equity (ytd only) | 5.2376% | 2,909 |
| Net charge-offs to loans | -0.0039% | 5,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6763% | 2,150 |
| Assets per employee ($millions) | 3.0035% | 5,842 |
| Cash dividends to net income (ytd only)* | 25.6068% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,342 |
| Loan loss allowance to noncurrent loans | 134.2640% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 4,866 |
| Noncurrent loans to loans | 1.1389% | 3,526 |
| Net loans and leases to total assets | 45.3700% | 5,601 |
| Net loans and leases to deposits | 51.8863% | 5,716 |
| Net loans and leases to core deposits | 53.3113% | 5,811 |
| Total domestic deposits to total assets | 87.4412% | 2,444 |
| Equity capital to assets | 11.5706% | 2,248 |
| Core capital (leverage) ratio | 11.1509% | 2,340 |
| Tier 1 risk-based capital ratio | 19.1091% | 1,956 |
| Total risk-based capital ratio | 20.8197% | 1,811 |
| Memoranda: | ||
| Average total assets | $73,831,750 | 5,432 |
| Average earning assets | $68,068,500 | 5,404 |
| Average equity | $8,578,750 | 5,245 |
| Average total loans | $34,231,500 | 5,627 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 5,563 |
| Cost of funding earning assets | 0.1088% | 6,806 |
| Net interest margin | 3.4503% | 4,005 |
| Noninterest income to average assets | 0.7138% | 2,575 |
| Noninterest expense to average assets | 3.0512% | 2,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9181% | 2,707 |
| Return on assets (ROA) | 0.9181% | 2,845 |
| Pretax return on assets | 0.8582% | 4,078 |
| Return on Equity (ROE) | 7.8901% | 3,148 |
| Retained earnings to average equity (ytd only) | 6.5322% | 2,125 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0488% | 2,444 |
| Assets per employee ($millions) | 3.1507% | 5,585 |
| Cash dividends to net income (ytd only)* | 17.2107% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 3,449 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 4,891 |
| Noncurrent loans to loans | 1.1467% | 3,635 |
| Net loans and leases to total assets | 46.9255% | 5,432 |
| Net loans and leases to deposits | 54.3967% | 5,487 |
| Net loans and leases to core deposits | 55.9670% | 5,597 |
| Total domestic deposits to total assets | 86.2653% | 3,226 |
| Equity capital to assets | 11.7973% | 2,051 |
| Core capital (leverage) ratio | 11.0996% | 2,264 |
| Tier 1 risk-based capital ratio | 19.2397% | 1,928 |
| Total risk-based capital ratio | 20.8870% | 1,790 |
| Memoranda: | ||
| Average total assets | $73,413,330 | 5,477 |
| Average earning assets | $67,994,670 | 5,445 |
| Average equity | $8,542,330 | 5,294 |
| Average total loans | $34,110,000 | 5,659 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5937% | 5,468 |
| Cost of funding earning assets | 0.1174% | 6,870 |
| Net interest margin | 3.4763% | 3,806 |
| Noninterest income to average assets | 0.4493% | 4,122 |
| Noninterest expense to average assets | 2.8422% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9095% | 2,603 |
| Return on assets (ROA) | 0.9095% | 2,755 |
| Pretax return on assets | 0.8121% | 4,126 |
| Return on Equity (ROE) | 7.8698% | 3,041 |
| Retained earnings to average equity (ytd only) | 5.1528% | 3,141 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,645 |
| Assets per employee ($millions) | 3.2134% | 5,598 |
| Cash dividends to net income (ytd only)* | 34.5238% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 3,603 |
| Loan loss allowance to noncurrent loans | 164.4860% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 5,297 |
| Noncurrent loans to loans | 0.9439% | 4,253 |
| Net loans and leases to total assets | 45.3003% | 5,514 |
| Net loans and leases to deposits | 51.8555% | 5,633 |
| Net loans and leases to core deposits | 53.3035% | 5,725 |
| Total domestic deposits to total assets | 87.3588% | 2,718 |
| Equity capital to assets | 11.6332% | 2,305 |
| Core capital (leverage) ratio | 10.7371% | 2,511 |
| Tier 1 risk-based capital ratio | 18.6010% | 2,160 |
| Total risk-based capital ratio | 20.1536% | 2,042 |
| Memoranda: | ||
| Average total assets | $73,887,000 | 5,518 |
| Average earning assets | $68,118,500 | 5,491 |
| Average equity | $8,539,000 | 5,349 |
| Average total loans | $33,898,500 | 5,710 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 5,557 |
| Cost of funding earning assets | 0.1833% | 6,866 |
| Net interest margin | 3.7240% | 3,547 |
| Noninterest income to average assets | 0.5008% | 3,895 |
| Noninterest expense to average assets | 3.3230% | 2,271 |
| Loan and lease loss provision to assets | 0.0480% | 5,223 |
| Net operating income to assets | 0.5104% | 4,640 |
| Return on assets (ROA) | 0.5131% | 4,897 |
| Pretax return on assets | 0.4775% | 5,345 |
| Return on Equity (ROE) | 4.4443% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.5906% | 4,404 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4074% | 1,391 |
| Assets per employee ($millions) | 3.2115% | 5,596 |
| Cash dividends to net income (ytd only)* | 41.7112% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,462 |
| Loan loss allowance to noncurrent loans | 160.4863% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 5,313 |
| Noncurrent loans to loans | 0.9737% | 4,243 |
| Net loans and leases to total assets | 45.0281% | 5,723 |
| Net loans and leases to deposits | 51.4662% | 5,851 |
| Net loans and leases to core deposits | 52.9011% | 5,949 |
| Total domestic deposits to total assets | 87.4907% | 2,535 |
| Equity capital to assets | 11.4804% | 2,466 |
| Core capital (leverage) ratio | 10.4731% | 2,799 |
| Tier 1 risk-based capital ratio | 18.7542% | 2,025 |
| Total risk-based capital ratio | 20.2740% | 1,921 |
| Memoranda: | ||
| Average total assets | $72,886,400 | 5,554 |
| Average earning assets | $65,467,800 | 5,570 |
| Average equity | $8,415,200 | 5,387 |
| Average total loans | $33,692,400 | 5,768 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 5,654 |
| Cost of funding earning assets | 0.2016% | 6,949 |
| Net interest margin | 3.7506% | 3,551 |
| Noninterest income to average assets | 0.5011% | 3,920 |
| Noninterest expense to average assets | 3.1772% | 2,643 |
| Loan and lease loss provision to assets | 0.0642% | 4,905 |
| Net operating income to assets | 0.6461% | 4,164 |
| Return on assets (ROA) | 0.6406% | 4,443 |
| Pretax return on assets | 0.6002% | 5,167 |
| Return on Equity (ROE) | 5.5402% | 4,583 |
| Retained earnings to average equity (ytd only) | 3.0638% | 4,718 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5859% | 1,746 |
| Assets per employee ($millions) | 3.1412% | 5,758 |
| Cash dividends to net income (ytd only)* | 44.6983% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 3,665 |
| Loan loss allowance to noncurrent loans | 176.0000% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 5,644 |
| Noncurrent loans to loans | 0.8901% | 4,650 |
| Net loans and leases to total assets | 44.0051% | 5,968 |
| Net loans and leases to deposits | 50.1580% | 6,096 |
| Net loans and leases to core deposits | 51.7413% | 6,194 |
| Total domestic deposits to total assets | 87.7330% | 2,203 |
| Equity capital to assets | 11.2815% | 2,956 |
| Core capital (leverage) ratio | 10.5803% | 2,818 |
| Tier 1 risk-based capital ratio | 18.1686% | 2,275 |
| Total risk-based capital ratio | 19.7133% | 2,144 |
| Memoranda: | ||
| Average total assets | $72,641,750 | 5,618 |
| Average earning assets | $64,805,250 | 5,649 |
| Average equity | $8,399,000 | 5,440 |
| Average total loans | $33,668,500 | 5,847 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 5,518 |
| Cost of funding earning assets | 0.2194% | 6,993 |
| Net interest margin | 3.8201% | 3,268 |
| Noninterest income to average assets | 0.5214% | 3,778 |
| Noninterest expense to average assets | 3.2290% | 2,496 |
| Loan and lease loss provision to assets | 0.0837% | 4,549 |
| Net operating income to assets | 0.6581% | 4,074 |
| Return on assets (ROA) | 0.6497% | 4,368 |
| Pretax return on assets | 0.5995% | 5,136 |
| Return on Equity (ROE) | 5.5717% | 4,542 |
| Retained earnings to average equity (ytd only) | 3.4435% | 4,310 |
| Net charge-offs to loans | 0.0238% | 5,057 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 616 |
| Efficiency ratio | 82.3613% | 1,835 |
| Assets per employee ($millions) | 3.1651% | 5,717 |
| Cash dividends to net income (ytd only)* | 38.1974% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,809 |
| Loan loss allowance to noncurrent loans | 291.5730% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 6,083 |
| Noncurrent loans to loans | 0.5298% | 5,464 |
| Net loans and leases to total assets | 45.4401% | 5,873 |
| Net loans and leases to deposits | 51.9750% | 6,027 |
| Net loans and leases to core deposits | 53.6805% | 6,117 |
| Total domestic deposits to total assets | 87.4267% | 2,520 |
| Equity capital to assets | 11.5788% | 2,512 |
| Core capital (leverage) ratio | 10.5356% | 2,770 |
| Tier 1 risk-based capital ratio | 20.3848% | 1,608 |
| Total risk-based capital ratio | 22.0111% | 1,501 |
| Memoranda: | ||
| Average total assets | $71,726,000 | 5,675 |
| Average earning assets | $63,821,000 | 5,711 |
| Average equity | $8,363,670 | 5,456 |
| Average total loans | $33,657,000 | 5,885 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 5,466 |
| Cost of funding earning assets | 0.2269% | 7,064 |
| Net interest margin | 3.8703% | 3,052 |
| Noninterest income to average assets | 0.4720% | 4,130 |
| Noninterest expense to average assets | 3.0397% | 3,117 |
| Loan and lease loss provision to assets | 0.0843% | 4,327 |
| Net operating income to assets | 0.8653% | 3,077 |
| Return on assets (ROA) | 0.8484% | 3,407 |
| Pretax return on assets | 0.7810% | 4,488 |
| Return on Equity (ROE) | 7.2500% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.4653% | 3,911 |
| Net charge-offs to loans | 0.0594% | 3,906 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 31.4000% | 887 |
| Efficiency ratio | 77.5072% | 2,567 |
| Assets per employee ($millions) | 3.1843% | 5,797 |
| Cash dividends to net income (ytd only)* | 38.4106% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 4,201 |
| Loan loss allowance to noncurrent loans | 529.4737% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 6,477 |
| Noncurrent loans to loans | 0.2816% | 6,116 |
| Net loans and leases to total assets | 45.3700% | 5,862 |
| Net loans and leases to deposits | 51.7916% | 5,992 |
| Net loans and leases to core deposits | 53.4761% | 6,099 |
| Total domestic deposits to total assets | 87.6010% | 2,587 |
| Equity capital to assets | 11.4432% | 2,489 |
| Core capital (leverage) ratio | 10.9692% | 2,283 |
| Tier 1 risk-based capital ratio | 20.2623% | 1,645 |
| Total risk-based capital ratio | 21.9601% | 1,515 |
| Memoranda: | ||
| Average total assets | $71,190,500 | 5,737 |
| Average earning assets | $63,457,000 | 5,767 |
| Average equity | $8,331,000 | 5,488 |
| Average total loans | $33,686,500 | 5,926 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 5,571 |
| Cost of funding earning assets | 0.3691% | 6,966 |
| Net interest margin | 3.9914% | 2,926 |
| Noninterest income to average assets | 0.5228% | 3,698 |
| Noninterest expense to average assets | 3.4194% | 2,196 |
| Loan and lease loss provision to assets | 0.0521% | 5,939 |
| Net operating income to assets | 0.6894% | 3,541 |
| Return on assets (ROA) | 0.6343% | 4,010 |
| Pretax return on assets | 0.6300% | 4,597 |
| Return on Equity (ROE) | 5.4120% | 4,190 |
| Retained earnings to average equity (ytd only) | 3.6203% | 3,633 |
| Net charge-offs to loans | 0.2078% | 4,501 |
| Credit loss provision to net charge-offs | 52.1739% | 5,373 |
| Earnings coverage of net charge-offs (x) | 7.3768% | 2,346 |
| Efficiency ratio | 82.2648% | 1,981 |
| Assets per employee ($millions) | 3.0061% | 6,070 |
| Cash dividends to net income (ytd only)* | 33.1050% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,167 |
| Loan loss allowance to noncurrent loans | 503.0612% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 6,510 |
| Noncurrent loans to loans | 0.2913% | 6,141 |
| Net loans and leases to total assets | 47.9426% | 5,826 |
| Net loans and leases to deposits | 55.1272% | 5,969 |
| Net loans and leases to core deposits | 56.7982% | 6,096 |
| Total domestic deposits to total assets | 86.9672% | 2,783 |
| Equity capital to assets | 11.9770% | 2,147 |
| Core capital (leverage) ratio | 11.0574% | 2,224 |
| Tier 1 risk-based capital ratio | 20.8152% | 1,453 |
| Total risk-based capital ratio | 22.4582% | 1,350 |
| Memoranda: | ||
| Average total assets | $69,048,200 | 5,773 |
| Average earning assets | $62,859,600 | 5,776 |
| Average equity | $8,093,200 | 5,542 |
| Average total loans | $33,209,200 | 5,998 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 5,718 |
| Cost of funding earning assets | 0.4045% | 7,006 |
| Net interest margin | 3.9624% | 3,091 |
| Noninterest income to average assets | 0.5293% | 3,659 |
| Noninterest expense to average assets | 3.2644% | 2,621 |
| Loan and lease loss provision to assets | 0.0522% | 5,798 |
| Net operating income to assets | 0.8615% | 2,903 |
| Return on assets (ROA) | 0.8596% | 3,060 |
| Pretax return on assets | 0.8248% | 4,037 |
| Return on Equity (ROE) | 7.3739% | 3,348 |
| Retained earnings to average equity (ytd only) | 4.9711% | 3,187 |
| Net charge-offs to loans | 0.2054% | 4,154 |
| Credit loss provision to net charge-offs | 52.9412% | 4,972 |
| Earnings coverage of net charge-offs (x) | 8.9213% | 2,111 |
| Efficiency ratio | 78.7879% | 2,433 |
| Assets per employee ($millions) | 2.8016% | 6,484 |
| Cash dividends to net income (ytd only)* | 32.5844% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,916 |
| Loan loss allowance to noncurrent loans | 371.8519% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 6,418 |
| Noncurrent loans to loans | 0.4141% | 6,014 |
| Net loans and leases to total assets | 45.8281% | 6,163 |
| Net loans and leases to deposits | 52.4580% | 6,332 |
| Net loans and leases to core deposits | 53.8196% | 6,470 |
| Total domestic deposits to total assets | 87.3615% | 2,432 |
| Equity capital to assets | 11.7347% | 2,463 |
| Core capital (leverage) ratio | 10.9448% | 2,438 |
| Tier 1 risk-based capital ratio | 21.0434% | 1,446 |
| Total risk-based capital ratio | 22.5328% | 1,384 |
| Memoranda: | ||
| Average total assets | $69,025,000 | 5,811 |
| Average earning assets | $62,956,250 | 5,809 |
| Average equity | $8,046,250 | 5,584 |
| Average total loans | $33,101,250 | 6,066 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 5,740 |
| Cost of funding earning assets | 0.4665% | 6,966 |
| Net interest margin | 3.9205% | 3,215 |
| Noninterest income to average assets | 0.5445% | 3,515 |
| Noninterest expense to average assets | 3.2350% | 2,790 |
| Loan and lease loss provision to assets | 0.0524% | 5,660 |
| Net operating income to assets | 0.9434% | 2,466 |
| Return on assets (ROA) | 0.9405% | 2,573 |
| Pretax return on assets | 0.8269% | 3,923 |
| Return on Equity (ROE) | 8.0865% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.9084% | 2,486 |
| Net charge-offs to loans | -0.0361% | 6,961 |
| Credit loss provision to net charge-offs | -300.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 2,616 |
| Assets per employee ($millions) | 2.9657% | 6,152 |
| Cash dividends to net income (ytd only)* | 26.9350% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 3,578 |
| Loan loss allowance to noncurrent loans | 79.9419% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 4,731 |
| Noncurrent loans to loans | 2.0402% | 3,429 |
| Net loans and leases to total assets | 48.6336% | 5,983 |
| Net loans and leases to deposits | 55.8873% | 6,146 |
| Net loans and leases to core deposits | 57.2560% | 6,327 |
| Total domestic deposits to total assets | 87.0210% | 2,726 |
| Equity capital to assets | 11.9982% | 2,089 |
| Core capital (leverage) ratio | 10.9157% | 2,325 |
| Tier 1 risk-based capital ratio | 20.6975% | 1,479 |
| Total risk-based capital ratio | 22.3244% | 1,385 |
| Memoranda: | ||
| Average total assets | $68,686,670 | 5,863 |
| Average earning assets | $62,593,670 | 5,873 |
| Average equity | $7,988,670 | 5,611 |
| Average total loans | $33,268,330 | 6,117 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 5,885 |
| Cost of funding earning assets | 0.5178% | 6,907 |
| Net interest margin | 3.8229% | 3,498 |
| Noninterest income to average assets | 0.4411% | 4,353 |
| Noninterest expense to average assets | 3.0120% | 3,595 |
| Loan and lease loss provision to assets | 0.0522% | 5,347 |
| Net operating income to assets | 1.1955% | 1,532 |
| Return on assets (ROA) | 1.1897% | 1,595 |
| Pretax return on assets | 0.8415% | 3,735 |
| Return on Equity (ROE) | 10.3916% | 1,961 |
| Retained earnings to average equity (ytd only) | 7.4515% | 1,962 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0030% | 2,986 |
| Assets per employee ($millions) | 3.0446% | 6,064 |
| Cash dividends to net income (ytd only)* | 28.2927% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 3,682 |
| Loan loss allowance to noncurrent loans | 73.1874% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.2096% | 4,533 |
| Noncurrent loans to loans | 2.2031% | 3,316 |
| Net loans and leases to total assets | 46.6191% | 6,226 |
| Net loans and leases to deposits | 53.0390% | 6,386 |
| Net loans and leases to core deposits | 54.5174% | 6,521 |
| Total domestic deposits to total assets | 87.8958% | 2,429 |
| Equity capital to assets | 11.3517% | 2,379 |
| Core capital (leverage) ratio | 10.9576% | 2,228 |
| Tier 1 risk-based capital ratio | 20.5859% | 1,458 |
| Total risk-based capital ratio | 22.2313% | 1,378 |
| Memoranda: | ||
| Average total assets | $68,925,000 | 5,900 |
| Average earning assets | $62,570,500 | 5,912 |
| Average equity | $7,891,000 | 5,649 |
| Average total loans | $33,041,000 | 6,182 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 5,289 |
| Cost of funding earning assets | 0.7371% | 6,772 |
| Net interest margin | 4.0992% | 2,561 |
| Noninterest income to average assets | 0.5400% | 3,885 |
| Noninterest expense to average assets | 3.5157% | 2,131 |
| Loan and lease loss provision to assets | 0.0885% | 6,265 |
| Net operating income to assets | 0.5275% | 3,977 |
| Return on assets (ROA) | 0.5532% | 4,030 |
| Pretax return on assets | 0.7273% | 3,882 |
| Return on Equity (ROE) | 4.7624% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.2765% | 3,576 |
| Net charge-offs to loans | 0.1541% | 5,426 |
| Credit loss provision to net charge-offs | 113.2075% | 3,847 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,766 |
| Efficiency ratio | 81.8057% | 2,192 |
| Assets per employee ($millions) | 2.9489% | 6,210 |
| Cash dividends to net income (ytd only)* | 31.2000% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 3,573 |
| Loan loss allowance to noncurrent loans | 107.1283% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 5,228 |
| Noncurrent loans to loans | 1.4923% | 4,240 |
| Net loans and leases to total assets | 47.7346% | 6,415 |
| Net loans and leases to deposits | 54.5014% | 6,568 |
| Net loans and leases to core deposits | 56.0711% | 6,688 |
| Total domestic deposits to total assets | 87.5842% | 2,497 |
| Equity capital to assets | 11.5488% | 2,222 |
| Core capital (leverage) ratio | 10.6013% | 2,462 |
| Tier 1 risk-based capital ratio | 20.7115% | 1,361 |
| Total risk-based capital ratio | 22.4592% | 1,266 |
| Memoranda: | ||
| Average total assets | $67,782,600 | 5,940 |
| Average earning assets | $62,134,200 | 5,916 |
| Average equity | $7,874,200 | 5,758 |
| Average total loans | $34,385,800 | 6,191 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 5,216 |
| Cost of funding earning assets | 0.7655% | 6,858 |
| Net interest margin | 4.1451% | 2,426 |
| Noninterest income to average assets | 0.5528% | 3,769 |
| Noninterest expense to average assets | 3.3838% | 2,343 |
| Loan and lease loss provision to assets | 0.0885% | 6,160 |
| Net operating income to assets | 0.6404% | 3,697 |
| Return on assets (ROA) | 0.6591% | 3,767 |
| Pretax return on assets | 0.9089% | 3,527 |
| Return on Equity (ROE) | 5.6650% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.6865% | 3,865 |
| Net charge-offs to loans | 0.1534% | 5,082 |
| Credit loss provision to net charge-offs | 112.5000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 12.3505% | 1,695 |
| Efficiency ratio | 77.6874% | 2,665 |
| Assets per employee ($millions) | 3.0273% | 6,090 |
| Cash dividends to net income (ytd only)* | 34.9259% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 3,686 |
| Loan loss allowance to noncurrent loans | 77.0588% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 4,833 |
| Noncurrent loans to loans | 2.0298% | 3,642 |
| Net loans and leases to total assets | 47.3617% | 6,575 |
| Net loans and leases to deposits | 54.1139% | 6,763 |
| Net loans and leases to core deposits | 55.6264% | 6,879 |
| Total domestic deposits to total assets | 87.5223% | 2,250 |
| Equity capital to assets | 11.5399% | 2,500 |
| Core capital (leverage) ratio | 10.6218% | 2,574 |
| Tier 1 risk-based capital ratio | 20.5677% | 1,431 |
| Total risk-based capital ratio | 22.2506% | 1,333 |
| Memoranda: | ||
| Average total assets | $67,772,000 | 6,007 |
| Average earning assets | $62,176,750 | 5,985 |
| Average equity | $7,884,500 | 5,827 |
| Average total loans | $34,756,750 | 6,251 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 4,751 |
| Cost of funding earning assets | 0.7956% | 6,931 |
| Net interest margin | 4.2432% | 1,999 |
| Noninterest income to average assets | 0.5659% | 3,579 |
| Noninterest expense to average assets | 3.2880% | 2,596 |
| Loan and lease loss provision to assets | 0.0893% | 6,031 |
| Net operating income to assets | 0.8514% | 2,725 |
| Return on assets (ROA) | 0.8816% | 2,744 |
| Pretax return on assets | 1.1347% | 2,654 |
| Return on Equity (ROE) | 7.5565% | 3,088 |
| Retained earnings to average equity (ytd only) | 6.0758% | 2,293 |
| Net charge-offs to loans | 0.0512% | 5,669 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 44.2222% | 666 |
| Efficiency ratio | 73.5020% | 3,560 |
| Assets per employee ($millions) | 2.9391% | 6,276 |
| Cash dividends to net income (ytd only)* | 19.5946% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 3,640 |
| Loan loss allowance to noncurrent loans | 120.5357% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 5,450 |
| Noncurrent loans to loans | 1.2916% | 4,799 |
| Net loans and leases to total assets | 50.5141% | 6,376 |
| Net loans and leases to deposits | 57.7764% | 6,592 |
| Net loans and leases to core deposits | 59.4367% | 6,747 |
| Total domestic deposits to total assets | 87.4303% | 2,301 |
| Equity capital to assets | 11.7191% | 2,268 |
| Core capital (leverage) ratio | 10.7511% | 2,431 |
| Tier 1 risk-based capital ratio | 20.7052% | 1,391 |
| Total risk-based capital ratio | 22.3865% | 1,295 |
| Memoranda: | ||
| Average total assets | $67,153,330 | 6,059 |
| Average earning assets | $61,840,000 | 6,029 |
| Average equity | $7,834,330 | 5,862 |
| Average total loans | $35,175,330 | 6,282 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 4,802 |
| Cost of funding earning assets | 0.8120% | 7,052 |
| Net interest margin | 4.2342% | 1,915 |
| Noninterest income to average assets | 0.5797% | 3,417 |
| Noninterest expense to average assets | 3.2810% | 2,592 |
| Loan and lease loss provision to assets | 0.0896% | 5,739 |
| Net operating income to assets | 0.8948% | 2,564 |
| Return on assets (ROA) | 0.9562% | 2,406 |
| Pretax return on assets | 1.2132% | 2,316 |
| Return on Equity (ROE) | 8.2151% | 2,776 |
| Retained earnings to average equity (ytd only) | 5.2371% | 3,021 |
| Net charge-offs to loans | -0.0113% | 6,919 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8117% | 3,796 |
| Assets per employee ($millions) | 2.9067% | 6,425 |
| Cash dividends to net income (ytd only)* | 36.2500% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 3,780 |
| Loan loss allowance to noncurrent loans | 132.4257% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 5,836 |
| Noncurrent loans to loans | 1.1519% | 5,064 |
| Net loans and leases to total assets | 51.6633% | 6,306 |
| Net loans and leases to deposits | 59.0925% | 6,545 |
| Net loans and leases to core deposits | 60.8027% | 6,685 |
| Total domestic deposits to total assets | 87.4278% | 2,397 |
| Equity capital to assets | 11.6822% | 2,240 |
| Core capital (leverage) ratio | 10.7904% | 2,374 |
| Tier 1 risk-based capital ratio | 20.6745% | 1,397 |
| Total risk-based capital ratio | 22.4569% | 1,288 |
| Memoranda: | ||
| Average total assets | $66,930,500 | 6,139 |
| Average earning assets | $62,065,500 | 6,078 |
| Average equity | $7,790,500 | 5,915 |
| Average total loans | $35,419,500 | 6,345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 4,190 |
| Cost of funding earning assets | 1.1139% | 6,933 |
| Net interest margin | 4.3770% | 1,496 |
| Noninterest income to average assets | 0.5576% | 3,962 |
| Noninterest expense to average assets | 3.4142% | 2,627 |
| Loan and lease loss provision to assets | 0.0673% | 6,904 |
| Net operating income to assets | 0.8114% | 2,490 |
| Return on assets (ROA) | 0.8252% | 2,523 |
| Pretax return on assets | 1.1660% | 2,046 |
| Return on Equity (ROE) | 7.2723% | 2,680 |
| Retained earnings to average equity (ytd only) | 5.6651% | 1,488 |
| Net charge-offs to loans | 0.0250% | 6,892 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 90.2222% | 304 |
| Efficiency ratio | 73.7726% | 3,945 |
| Assets per employee ($millions) | 2.9133% | 6,425 |
| Cash dividends to net income (ytd only)* | 22.1014% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,968 |
| Loan loss allowance to noncurrent loans | 763.2353% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 7,058 |
| Noncurrent loans to loans | 0.1901% | 6,948 |
| Net loans and leases to total assets | 52.6005% | 6,350 |
| Net loans and leases to deposits | 60.1786% | 6,620 |
| Net loans and leases to core deposits | 68.2176% | 6,869 |
| Total domestic deposits to total assets | 87.4073% | 2,263 |
| Equity capital to assets | 11.5973% | 2,247 |
| Core capital (leverage) ratio | 10.3068% | 2,782 |
| Tier 1 risk-based capital ratio | 20.3473% | 1,400 |
| Total risk-based capital ratio | 22.1097% | 1,286 |
| Memoranda: | ||
| Average total assets | $66,896,600 | 6,112 |
| Average earning assets | $62,211,600 | 6,055 |
| Average equity | $7,590,400 | 6,057 |
| Average total loans | $35,933,800 | 6,312 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 4,284 |
| Cost of funding earning assets | 1.1630% | 6,990 |
| Net interest margin | 4.3649% | 1,546 |
| Noninterest income to average assets | 0.5563% | 4,037 |
| Noninterest expense to average assets | 3.3079% | 2,890 |
| Loan and lease loss provision to assets | 0.0598% | 6,765 |
| Net operating income to assets | 0.9416% | 2,266 |
| Return on assets (ROA) | 0.9431% | 2,322 |
| Pretax return on assets | 1.2542% | 2,094 |
| Return on Equity (ROE) | 8.3582% | 2,499 |
| Retained earnings to average equity (ytd only) | 6.1848% | 1,856 |
| Net charge-offs to loans | 0.0185% | 6,651 |
| Credit loss provision to net charge-offs | 600.0000% | 636 |
| Earnings coverage of net charge-offs (x) | 131.5307% | 290 |
| Efficiency ratio | 71.6012% | 4,314 |
| Assets per employee ($millions) | 2.9607% | 6,267 |
| Cash dividends to net income (ytd only)* | 26.0049% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 3,850 |
| Loan loss allowance to noncurrent loans | 352.7778% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 6,808 |
| Noncurrent loans to loans | 0.4019% | 6,535 |
| Net loans and leases to total assets | 51.8716% | 6,608 |
| Net loans and leases to deposits | 59.1589% | 6,891 |
| Net loans and leases to core deposits | 67.1457% | 7,108 |
| Total domestic deposits to total assets | 87.6819% | 1,811 |
| Equity capital to assets | 11.4487% | 2,635 |
| Core capital (leverage) ratio | 10.2359% | 3,033 |
| Tier 1 risk-based capital ratio | 20.1357% | 1,531 |
| Total risk-based capital ratio | 21.8332% | 1,396 |
| Memoranda: | ||
| Average total assets | $66,869,000 | 6,162 |
| Average earning assets | $62,253,000 | 6,097 |
| Average equity | $7,545,250 | 6,131 |
| Average total loans | $35,976,000 | 6,352 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5702% | 4,216 |
| Cost of funding earning assets | 1.1793% | 7,168 |
| Net interest margin | 4.3909% | 1,428 |
| Noninterest income to average assets | 0.5567% | 3,982 |
| Noninterest expense to average assets | 3.2470% | 3,161 |
| Loan and lease loss provision to assets | 0.0451% | 6,782 |
| Net operating income to assets | 1.0419% | 1,969 |
| Return on assets (ROA) | 1.0442% | 2,035 |
| Pretax return on assets | 1.3572% | 1,842 |
| Return on Equity (ROE) | 9.3009% | 2,253 |
| Retained earnings to average equity (ytd only) | 7.6122% | 1,349 |
| Net charge-offs to loans | 0.0278% | 6,087 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 412 |
| Efficiency ratio | 69.8834% | 4,807 |
| Assets per employee ($millions) | 2.9543% | 6,252 |
| Cash dividends to net income (ytd only)* | 18.1556% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 3,858 |
| Loan loss allowance to noncurrent loans | 444.1441% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 6,676 |
| Noncurrent loans to loans | 0.3098% | 6,735 |
| Net loans and leases to total assets | 52.0059% | 6,694 |
| Net loans and leases to deposits | 59.1877% | 6,949 |
| Net loans and leases to core deposits | 66.8470% | 7,177 |
| Total domestic deposits to total assets | 87.8661% | 1,832 |
| Equity capital to assets | 11.0905% | 2,841 |
| Core capital (leverage) ratio | 10.1022% | 3,188 |
| Tier 1 risk-based capital ratio | 20.1574% | 1,550 |
| Total risk-based capital ratio | 21.8066% | 1,434 |
| Memoranda: | ||
| Average total assets | $66,460,330 | 6,211 |
| Average earning assets | $61,900,670 | 6,148 |
| Average equity | $7,461,670 | 6,197 |
| Average total loans | $36,024,670 | 6,402 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6279% | 4,191 |
| Cost of funding earning assets | 1.1673% | 7,374 |
| Net interest margin | 4.4606% | 1,208 |
| Noninterest income to average assets | 0.5600% | 3,837 |
| Noninterest expense to average assets | 3.3539% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0544% | 2,119 |
| Return on assets (ROA) | 1.0591% | 2,242 |
| Pretax return on assets | 1.3756% | 2,041 |
| Return on Equity (ROE) | 9.3744% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.9802% | 2,635 |
| Net charge-offs to loans | 0.0554% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 778 |
| Efficiency ratio | 71.0052% | 4,372 |
| Assets per employee ($millions) | 2.9260% | 6,354 |
| Cash dividends to net income (ytd only)* | 36.2069% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 3,929 |
| Loan loss allowance to noncurrent loans | 196.7078% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 6,425 |
| Noncurrent loans to loans | 0.6745% | 5,719 |
| Net loans and leases to total assets | 52.8240% | 6,599 |
| Net loans and leases to deposits | 59.9831% | 6,893 |
| Net loans and leases to core deposits | 67.1433% | 7,186 |
| Total domestic deposits to total assets | 88.0648% | 1,721 |
| Equity capital to assets | 11.0466% | 2,924 |
| Core capital (leverage) ratio | 10.3653% | 3,054 |
| Tier 1 risk-based capital ratio | 19.4515% | 1,729 |
| Total risk-based capital ratio | 21.1319% | 1,597 |
| Memoranda: | ||
| Average total assets | $65,715,500 | 6,263 |
| Average earning assets | $61,337,000 | 6,199 |
| Average equity | $7,424,500 | 6,251 |
| Average total loans | $36,121,500 | 6,436 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1379% | 4,847 |
| Cost of funding earning assets | 1.5899% | 7,471 |
| Net interest margin | 4.5480% | 1,314 |
| Noninterest income to average assets | 0.9448% | 1,792 |
| Noninterest expense to average assets | 3.5013% | 2,394 |
| Loan and lease loss provision to assets | 0.0785% | 6,414 |
| Net operating income to assets | 1.1770% | 1,848 |
| Return on assets (ROA) | 1.1770% | 1,781 |
| Pretax return on assets | 1.6165% | 1,342 |
| Return on Equity (ROE) | 10.5417% | 2,074 |
| Retained earnings to average equity (ytd only) | 3.9215% | 2,683 |
| Net charge-offs to loans | 0.0413% | 6,201 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 562 |
| Efficiency ratio | 67.3815% | 4,841 |
| Assets per employee ($millions) | 2.7884% | 6,583 |
| Cash dividends to net income (ytd only)* | 62.8000% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 3,572 |
| Loan loss allowance to noncurrent loans | 143.3234% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 5,603 |
| Noncurrent loans to loans | 0.9305% | 4,753 |
| Net loans and leases to total assets | 55.7162% | 6,463 |
| Net loans and leases to deposits | 63.8010% | 6,818 |
| Net loans and leases to core deposits | 71.0737% | 7,131 |
| Total domestic deposits to total assets | 87.3281% | 1,788 |
| Equity capital to assets | 11.5617% | 2,594 |
| Core capital (leverage) ratio | 10.3720% | 3,096 |
| Tier 1 risk-based capital ratio | 19.0669% | 1,799 |
| Total risk-based capital ratio | 20.7922% | 1,656 |
| Memoranda: | ||
| Average total assets | $63,719,600 | 6,242 |
| Average earning assets | $59,564,400 | 6,190 |
| Average equity | $7,114,600 | 6,417 |
| Average total loans | $36,296,200 | 6,349 |