Home > The Colorado Bank and Trust Company of La Junta > Performance and Condition Ratios
The Colorado Bank and Trust Company of La Junta, 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 | 3.1103% | 4,498 |
| Cost of funding earning assets | 0.3466% | 4,340 |
| Net interest margin | 2.7637% | 3,727 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 1.6343% | 4,213 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 0.9336% | 2,430 |
| Return on assets (ROA) | 0.9336% | 2,407 |
| Pretax return on assets | 1.1653% | 2,225 |
| Return on Equity (ROE) | 6.4800% | 3,423 |
| Retained earnings to average equity (ytd only) | 5.5242% | 2,402 |
| Net charge-offs to loans | -0.0248% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.2824% | 3,807 |
| Assets per employee ($millions) | 5.1780% | 3,496 |
| Cash dividends to net income (ytd only)* | 14.8104% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4041% | 4,387 |
| Loan loss allowance to noncurrent loans | 84.1629% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 1,578 |
| Noncurrent loans to loans | 0.4801% | 1,584 |
| Net loans and leases to total assets | 71.7800% | 1,609 |
| Net loans and leases to deposits | 86.8266% | 1,551 |
| Net loans and leases to core deposits | 90.6060% | 2,008 |
| Total domestic deposits to total assets | 82.6800% | 2,966 |
| Equity capital to assets | 16.4193% | 428 |
| Core capital (leverage) ratio | 16.4998% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $180,812,200 | 3,123 |
| Average earning assets | $167,637,600 | 3,119 |
| Average equity | $26,030,800 | 2,461 |
| Average total loans | $124,770,200 | 2,903 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5990% | 4,600 |
| Cost of funding earning assets | 0.1659% | 4,468 |
| Net interest margin | 1.4330% | 4,535 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 0.9941% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6388% | 3,458 |
| Return on assets (ROA) | 0.5524% | 3,645 |
| Pretax return on assets | 0.5719% | 3,786 |
| Return on Equity (ROE) | 3.9900% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.9879% | 3,262 |
| Net charge-offs to loans | -0.0318% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.0633% | 2,958 |
| Assets per employee ($millions) | 5.3018% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0230% | 4,480 |
| Loan loss allowance to noncurrent loans | 3.7037% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 1,411 |
| Noncurrent loans to loans | 0.6213% | 1,309 |
| Net loans and leases to total assets | 66.0200% | 2,241 |
| Net loans and leases to deposits | 79.7856% | 2,069 |
| Net loans and leases to core deposits | 82.7523% | 2,415 |
| Total domestic deposits to total assets | 82.7500% | 3,058 |
| Equity capital to assets | 16.1114% | 440 |
| Core capital (leverage) ratio | 17.3212% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $178,119,000 | 3,146 |
| Average earning assets | $165,519,750 | 3,142 |
| Average equity | $24,674,250 | 2,524 |
| Average total loans | $121,441,000 | 2,935 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 1,250 |
| Cost of funding earning assets | 0.2166% | 4,413 |
| Net interest margin | 4.9558% | 329 |
| Noninterest income to average assets | 1.3700% | 364 |
| Noninterest expense to average assets | 3.8281% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5943% | 958 |
| Return on assets (ROA) | 1.5943% | 958 |
| Pretax return on assets | 2.1694% | 559 |
| Return on Equity (ROE) | 12.2400% | 2,083 |
| Retained earnings to average equity (ytd only) | 12.2391% | 944 |
| Net charge-offs to loans | 0.0467% | 1,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 67.3571% | 1,125 |
| Efficiency ratio | 63.8282% | 2,507 |
| Assets per employee ($millions) | 4.8018% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6635% | 80 |
| Loan loss allowance to noncurrent loans | 6,809.0909% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,385 |
| Noncurrent loans to loans | 0.0538% | 3,315 |
| Net loans and leases to total assets | 70.3200% | 1,707 |
| Net loans and leases to deposits | 84.6140% | 1,615 |
| Net loans and leases to core deposits | 87.9424% | 1,931 |
| Total domestic deposits to total assets | 83.1000% | 3,023 |
| Equity capital to assets | 13.9762% | 649 |
| Core capital (leverage) ratio | 14.2634% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $173,870,333 | 3,188 |
| Average earning assets | $162,475,000 | 3,171 |
| Average equity | $22,648,667 | 2,652 |
| Average total loans | $119,909,333 | 2,949 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 1,482 |
| Cost of funding earning assets | 0.1622% | 4,434 |
| Net interest margin | 4.7002% | 441 |
| Noninterest income to average assets | 1.3400% | 376 |
| Noninterest expense to average assets | 3.6838% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5591% | 1,059 |
| Return on assets (ROA) | 1.5591% | 1,053 |
| Pretax return on assets | 2.0501% | 712 |
| Return on Equity (ROE) | 12.4000% | 2,112 |
| Retained earnings to average equity (ytd only) | 12.3985% | 1,193 |
| Net charge-offs to loans | 0.0472% | 890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 64.7143% | 978 |
| Efficiency ratio | 64.2463% | 2,429 |
| Assets per employee ($millions) | 4.7600% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8120% | 72 |
| Loan loss allowance to noncurrent loans | 20,490.9091% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,736 |
| Noncurrent loans to loans | 0.0186% | 3,653 |
| Net loans and leases to total assets | 64.5900% | 2,195 |
| Net loans and leases to deposits | 75.0045% | 2,212 |
| Net loans and leases to core deposits | 77.1371% | 2,446 |
| Total domestic deposits to total assets | 86.1100% | 2,551 |
| Equity capital to assets | 12.9128% | 774 |
| Core capital (leverage) ratio | 13.9584% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $176,773,500 | 3,203 |
| Average earning assets | $165,269,000 | 3,187 |
| Average equity | $22,228,500 | 2,698 |
| Average total loans | $118,528,500 | 2,995 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 740 |
| Cost of funding earning assets | 0.0505% | 4,574 |
| Net interest margin | 4.4367% | 331 |
| Noninterest income to average assets | 1.6500% | 310 |
| Noninterest expense to average assets | 3.6064% | 448 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.6198% | 655 |
| Return on assets (ROA) | 1.6198% | 627 |
| Pretax return on assets | 2.1427% | 353 |
| Return on Equity (ROE) | 14.3800% | 1,439 |
| Retained earnings to average equity (ytd only) | 12.5208% | 583 |
| Net charge-offs to loans | -0.0442% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.1006% | 2,747 |
| Assets per employee ($millions) | 4.6691% | 3,924 |
| Cash dividends to net income (ytd only)* | 12.9325% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8065% | 67 |
| Loan loss allowance to noncurrent loans | 4,433.3333% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,232 |
| Noncurrent loans to loans | 0.0859% | 3,141 |
| Net loans and leases to total assets | 64.4100% | 2,206 |
| Net loans and leases to deposits | 74.1157% | 2,249 |
| Net loans and leases to core deposits | 75.4441% | 2,466 |
| Total domestic deposits to total assets | 86.9000% | 2,421 |
| Equity capital to assets | 12.2388% | 870 |
| Core capital (leverage) ratio | 12.9961% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $183,782,800 | 3,156 |
| Average earning assets | $172,178,400 | 3,129 |
| Average equity | $20,701,600 | 2,886 |
| Average total loans | $115,451,600 | 2,972 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3721% | 616 |
| Cost of funding earning assets | 0.0322% | 4,634 |
| Net interest margin | 4.3399% | 315 |
| Noninterest income to average assets | 1.7400% | 309 |
| Noninterest expense to average assets | 3.6819% | 408 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.5486% | 746 |
| Return on assets (ROA) | 1.5486% | 731 |
| Pretax return on assets | 2.0470% | 422 |
| Return on Equity (ROE) | 14.0400% | 1,418 |
| Retained earnings to average equity (ytd only) | 11.5280% | 912 |
| Net charge-offs to loans | -0.0547% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.4167% | 2,635 |
| Assets per employee ($millions) | 4.8416% | 3,806 |
| Cash dividends to net income (ytd only)* | 17.8820% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9247% | 71 |
| Loan loss allowance to noncurrent loans | 8,368.5185% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,642 |
| Noncurrent loans to loans | 0.0469% | 3,543 |
| Net loans and leases to total assets | 58.5900% | 2,635 |
| Net loans and leases to deposits | 66.6105% | 2,667 |
| Net loans and leases to core deposits | 67.8213% | 2,819 |
| Total domestic deposits to total assets | 87.9500% | 2,447 |
| Equity capital to assets | 10.9416% | 1,200 |
| Core capital (leverage) ratio | 12.1998% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $185,371,750 | 3,172 |
| Average earning assets | $173,824,250 | 3,141 |
| Average equity | $20,448,250 | 2,953 |
| Average total loans | $114,615,000 | 2,989 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 519 |
| Cost of funding earning assets | 0.0324% | 4,683 |
| Net interest margin | 4.2810% | 286 |
| Noninterest income to average assets | 1.8423% | 255 |
| Noninterest expense to average assets | 3.6760% | 362 |
| Loan and lease loss provision to assets | 0.1737% | 513 |
| Net operating income to assets | 1.5188% | 676 |
| Return on assets (ROA) | 1.5188% | 655 |
| Pretax return on assets | 2.0117% | 370 |
| Return on Equity (ROE) | 13.7307% | 1,182 |
| Retained earnings to average equity (ytd only) | 9.9521% | 1,037 |
| Net charge-offs to loans | 0.0017% | 2,053 |
| Credit loss provision to net charge-offs | 16,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 2,013.0000% | 47 |
| Efficiency ratio | 62.7153% | 2,953 |
| Assets per employee ($millions) | 4.4331% | 4,131 |
| Cash dividends to net income (ytd only)* | 27.5197% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9897% | 69 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,658 |
| Noncurrent loans to loans | 0.0511% | 3,565 |
| Net loans and leases to total assets | 59.8984% | 2,335 |
| Net loans and leases to deposits | 68.2278% | 2,372 |
| Net loans and leases to core deposits | 69.5195% | 2,521 |
| Total domestic deposits to total assets | 87.7919% | 2,658 |
| Equity capital to assets | 11.2315% | 1,119 |
| Core capital (leverage) ratio | 11.6900% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,222,000 | 3,204 |
| Average earning assets | $172,951,333 | 3,189 |
| Average equity | $20,377,667 | 3,035 |
| Average total loans | $114,439,000 | 3,014 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 535 |
| Cost of funding earning assets | 0.0322% | 4,700 |
| Net interest margin | 4.1550% | 304 |
| Noninterest income to average assets | 1.9800% | 245 |
| Noninterest expense to average assets | 3.5869% | 393 |
| Loan and lease loss provision to assets | 0.1725% | 446 |
| Net operating income to assets | 1.6004% | 507 |
| Return on assets (ROA) | 1.6004% | 507 |
| Pretax return on assets | 2.1223% | 290 |
| Return on Equity (ROE) | 14.5780% | 723 |
| Retained earnings to average equity (ytd only) | 7.0139% | 1,890 |
| Net charge-offs to loans | 0.0104% | 1,374 |
| Credit loss provision to net charge-offs | 2,666.6667% | 162 |
| Earnings coverage of net charge-offs (x) | 354.6667% | 279 |
| Efficiency ratio | 60.9828% | 3,377 |
| Assets per employee ($millions) | 4.6336% | 4,051 |
| Cash dividends to net income (ytd only)* | 51.8868% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8276% | 84 |
| Loan loss allowance to noncurrent loans | 3,390.0763% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,359 |
| Noncurrent loans to loans | 0.1129% | 3,265 |
| Net loans and leases to total assets | 60.2044% | 2,043 |
| Net loans and leases to deposits | 68.1279% | 2,142 |
| Net loans and leases to core deposits | 69.2750% | 2,351 |
| Total domestic deposits to total assets | 88.3696% | 2,346 |
| Equity capital to assets | 10.8362% | 1,418 |
| Core capital (leverage) ratio | 11.5584% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,455,000 | 3,199 |
| Average earning assets | $174,153,500 | 3,193 |
| Average equity | $20,359,500 | 3,112 |
| Average total loans | $114,962,000 | 3,001 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 637 |
| Cost of funding earning assets | 0.0506% | 4,686 |
| Net interest margin | 4.4077% | 326 |
| Noninterest income to average assets | 2.0064% | 319 |
| Noninterest expense to average assets | 3.4790% | 493 |
| Loan and lease loss provision to assets | 0.2891% | 287 |
| Net operating income to assets | 1.8091% | 499 |
| Return on assets (ROA) | 1.8108% | 517 |
| Pretax return on assets | 2.3815% | 309 |
| Return on Equity (ROE) | 17.2513% | 553 |
| Retained earnings to average equity (ytd only) | 15.2693% | 205 |
| Net charge-offs to loans | -0.2246% | 4,718 |
| Credit loss provision to net charge-offs | -214.8594% | 3,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5928% | 3,630 |
| Assets per employee ($millions) | 4.7582% | 3,922 |
| Cash dividends to net income (ytd only)* | 11.4891% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8315% | 75 |
| Loan loss allowance to noncurrent loans | 256.8570% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 635 |
| Noncurrent loans to loans | 1.4917% | 608 |
| Net loans and leases to total assets | 59.0269% | 2,268 |
| Net loans and leases to deposits | 66.8892% | 2,418 |
| Net loans and leases to core deposits | 68.1209% | 2,641 |
| Total domestic deposits to total assets | 88.2458% | 1,905 |
| Equity capital to assets | 11.1199% | 1,723 |
| Core capital (leverage) ratio | 11.0304% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,054,400 | 3,166 |
| Average earning assets | $173,853,800 | 3,142 |
| Average equity | $19,424,600 | 3,260 |
| Average total loans | $110,851,400 | 3,067 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 689 |
| Cost of funding earning assets | 0.0491% | 4,778 |
| Net interest margin | 4.4356% | 349 |
| Noninterest income to average assets | 2.0101% | 351 |
| Noninterest expense to average assets | 3.5343% | 443 |
| Loan and lease loss provision to assets | 0.2882% | 282 |
| Net operating income to assets | 1.7966% | 672 |
| Return on assets (ROA) | 1.7989% | 694 |
| Pretax return on assets | 2.3576% | 419 |
| Return on Equity (ROE) | 17.3966% | 707 |
| Retained earnings to average equity (ytd only) | 14.7122% | 436 |
| Net charge-offs to loans | -0.1817% | 4,756 |
| Credit loss provision to net charge-offs | -266.6667% | 3,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2129% | 3,392 |
| Assets per employee ($millions) | 4.7798% | 3,902 |
| Cash dividends to net income (ytd only)* | 15.4309% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6463% | 94 |
| Loan loss allowance to noncurrent loans | 990.4077% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 2,688 |
| Noncurrent loans to loans | 0.3682% | 2,463 |
| Net loans and leases to total assets | 57.0830% | 2,603 |
| Net loans and leases to deposits | 64.4762% | 2,802 |
| Net loans and leases to core deposits | 65.6250% | 2,988 |
| Total domestic deposits to total assets | 88.5334% | 1,552 |
| Equity capital to assets | 10.5032% | 2,460 |
| Core capital (leverage) ratio | 10.6826% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,926,000 | 3,205 |
| Average earning assets | $173,739,500 | 3,181 |
| Average equity | $19,122,000 | 3,330 |
| Average total loans | $110,089,500 | 3,114 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 665 |
| Cost of funding earning assets | 0.0534% | 4,810 |
| Net interest margin | 4.5050% | 349 |
| Noninterest income to average assets | 2.0401% | 317 |
| Noninterest expense to average assets | 3.5190% | 454 |
| Loan and lease loss provision to assets | 0.3282% | 239 |
| Net operating income to assets | 1.8671% | 625 |
| Return on assets (ROA) | 1.8705% | 650 |
| Pretax return on assets | 2.4393% | 393 |
| Return on Equity (ROE) | 18.1892% | 627 |
| Retained earnings to average equity (ytd only) | 14.0940% | 532 |
| Net charge-offs to loans | -0.1266% | 4,689 |
| Credit loss provision to net charge-offs | -434.7826% | 3,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0160% | 3,538 |
| Assets per employee ($millions) | 4.4636% | 4,126 |
| Cash dividends to net income (ytd only)* | 22.5146% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5148% | 95 |
| Loan loss allowance to noncurrent loans | 814.2268% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 2,609 |
| Noncurrent loans to loans | 0.4317% | 2,386 |
| Net loans and leases to total assets | 59.2347% | 2,519 |
| Net loans and leases to deposits | 66.9642% | 2,725 |
| Net loans and leases to core deposits | 68.2119% | 2,941 |
| Total domestic deposits to total assets | 88.4572% | 1,589 |
| Equity capital to assets | 10.5915% | 2,322 |
| Core capital (leverage) ratio | 10.3910% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,838,000 | 3,226 |
| Average earning assets | $172,163,667 | 3,195 |
| Average equity | $18,802,333 | 3,351 |
| Average total loans | $109,030,333 | 3,137 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 637 |
| Cost of funding earning assets | 0.0581% | 4,830 |
| Net interest margin | 4.5613% | 328 |
| Noninterest income to average assets | 2.0377% | 363 |
| Noninterest expense to average assets | 3.5304% | 449 |
| Loan and lease loss provision to assets | 0.3283% | 265 |
| Net operating income to assets | 1.8688% | 697 |
| Return on assets (ROA) | 1.8757% | 742 |
| Pretax return on assets | 2.4820% | 449 |
| Return on Equity (ROE) | 18.5177% | 667 |
| Retained earnings to average equity (ytd only) | 10.1988% | 1,604 |
| Net charge-offs to loans | -0.0671% | 4,502 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7553% | 3,574 |
| Assets per employee ($millions) | 4.4939% | 4,105 |
| Cash dividends to net income (ytd only)* | 44.9242% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4457% | 105 |
| Loan loss allowance to noncurrent loans | 779.2100% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 2,840 |
| Noncurrent loans to loans | 0.4422% | 2,530 |
| Net loans and leases to total assets | 57.0025% | 2,908 |
| Net loans and leases to deposits | 64.0274% | 3,123 |
| Net loans and leases to core deposits | 65.2032% | 3,300 |
| Total domestic deposits to total assets | 89.0284% | 1,330 |
| Equity capital to assets | 10.1374% | 2,567 |
| Core capital (leverage) ratio | 10.2890% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,754,000 | 3,227 |
| Average earning assets | $172,057,500 | 3,193 |
| Average equity | $18,512,000 | 3,372 |
| Average total loans | $107,369,500 | 3,161 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 974 |
| Cost of funding earning assets | 0.0829% | 4,906 |
| Net interest margin | 4.5736% | 278 |
| Noninterest income to average assets | 2.2732% | 279 |
| Noninterest expense to average assets | 3.4237% | 770 |
| Loan and lease loss provision to assets | 0.4096% | 750 |
| Net operating income to assets | 2.1070% | 216 |
| Return on assets (ROA) | 2.1094% | 230 |
| Pretax return on assets | 2.6967% | 151 |
| Return on Equity (ROE) | 21.1338% | 181 |
| Retained earnings to average equity (ytd only) | 19.1423% | 74 |
| Net charge-offs to loans | 0.2608% | 667 |
| Credit loss provision to net charge-offs | 267.7165% | 1,854 |
| Earnings coverage of net charge-offs (x) | 20.2835% | 1,944 |
| Efficiency ratio | 52.4548% | 4,352 |
| Assets per employee ($millions) | 4.4210% | 3,997 |
| Cash dividends to net income (ytd only)* | 9.4232% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3785% | 106 |
| Loan loss allowance to noncurrent loans | 967.5676% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 3,268 |
| Noncurrent loans to loans | 0.3492% | 2,947 |
| Net loans and leases to total assets | 56.4852% | 3,254 |
| Net loans and leases to deposits | 63.3202% | 3,492 |
| Net loans and leases to core deposits | 64.4990% | 3,658 |
| Total domestic deposits to total assets | 89.2056% | 895 |
| Equity capital to assets | 10.1214% | 3,007 |
| Core capital (leverage) ratio | 10.0806% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,019,600 | 3,229 |
| Average earning assets | $154,408,000 | 3,218 |
| Average equity | $16,570,600 | 3,497 |
| Average total loans | $97,374,000 | 3,274 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 1,045 |
| Cost of funding earning assets | 0.0841% | 4,954 |
| Net interest margin | 4.6258% | 294 |
| Noninterest income to average assets | 2.3566% | 258 |
| Noninterest expense to average assets | 3.7046% | 526 |
| Loan and lease loss provision to assets | 0.4112% | 837 |
| Net operating income to assets | 2.0089% | 290 |
| Return on assets (ROA) | 2.0089% | 320 |
| Pretax return on assets | 2.5358% | 197 |
| Return on Equity (ROE) | 20.2061% | 232 |
| Retained earnings to average equity (ytd only) | 17.4778% | 118 |
| Net charge-offs to loans | 0.2968% | 531 |
| Credit loss provision to net charge-offs | 235.8491% | 1,978 |
| Earnings coverage of net charge-offs (x) | 16.9104% | 2,039 |
| Efficiency ratio | 55.6970% | 3,957 |
| Assets per employee ($millions) | 4.3066% | 4,040 |
| Cash dividends to net income (ytd only)* | 13.5025% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2786% | 111 |
| Loan loss allowance to noncurrent loans | 858.3541% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 3,333 |
| Noncurrent loans to loans | 0.3820% | 2,917 |
| Net loans and leases to total assets | 56.1378% | 3,609 |
| Net loans and leases to deposits | 62.9095% | 3,869 |
| Net loans and leases to core deposits | 63.8277% | 4,016 |
| Total domestic deposits to total assets | 89.2358% | 674 |
| Equity capital to assets | 9.6142% | 3,590 |
| Core capital (leverage) ratio | 9.2686% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,209,500 | 3,251 |
| Average earning assets | $150,601,500 | 3,238 |
| Average equity | $16,126,750 | 3,535 |
| Average total loans | $95,226,250 | 3,320 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 1,146 |
| Cost of funding earning assets | 0.0901% | 4,990 |
| Net interest margin | 4.7203% | 323 |
| Noninterest income to average assets | 2.5746% | 214 |
| Noninterest expense to average assets | 4.0388% | 393 |
| Loan and lease loss provision to assets | 0.4103% | 975 |
| Net operating income to assets | 2.0223% | 317 |
| Return on assets (ROA) | 2.0130% | 361 |
| Pretax return on assets | 2.4797% | 225 |
| Return on Equity (ROE) | 19.9928% | 245 |
| Retained earnings to average equity (ytd only) | 15.7905% | 186 |
| Net charge-offs to loans | 0.0826% | 1,424 |
| Credit loss provision to net charge-offs | 842.1053% | 883 |
| Earnings coverage of net charge-offs (x) | 59.5526% | 970 |
| Efficiency ratio | 58.1932% | 3,663 |
| Assets per employee ($millions) | 4.1698% | 4,134 |
| Cash dividends to net income (ytd only)* | 21.0191% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3358% | 102 |
| Loan loss allowance to noncurrent loans | 514.3713% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 2,771 |
| Noncurrent loans to loans | 0.6485% | 2,242 |
| Net loans and leases to total assets | 56.8537% | 3,620 |
| Net loans and leases to deposits | 63.5899% | 3,910 |
| Net loans and leases to core deposits | 64.5462% | 4,047 |
| Total domestic deposits to total assets | 89.4068% | 609 |
| Equity capital to assets | 9.4763% | 3,678 |
| Core capital (leverage) ratio | 9.7219% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,986,667 | 3,292 |
| Average earning assets | $144,270,667 | 3,291 |
| Average equity | $15,705,667 | 3,585 |
| Average total loans | $91,974,000 | 3,372 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 835 |
| Cost of funding earning assets | 0.0983% | 5,042 |
| Net interest margin | 4.9785% | 202 |
| Noninterest income to average assets | 2.5435% | 192 |
| Noninterest expense to average assets | 4.2018% | 416 |
| Loan and lease loss provision to assets | 0.3825% | 801 |
| Net operating income to assets | 1.9189% | 322 |
| Return on assets (ROA) | 1.8714% | 396 |
| Pretax return on assets | 2.4670% | 177 |
| Return on Equity (ROE) | 17.9549% | 269 |
| Retained earnings to average equity (ytd only) | 9.3051% | 894 |
| Net charge-offs to loans | 0.2313% | 615 |
| Credit loss provision to net charge-offs | 280.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 21.3000% | 1,390 |
| Efficiency ratio | 59.0857% | 3,856 |
| Assets per employee ($millions) | 3.6715% | 4,309 |
| Cash dividends to net income (ytd only)* | 48.1752% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7245% | 90 |
| Loan loss allowance to noncurrent loans | 410.6329% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 1.5273% | 690 |
| Noncurrent loans to loans | 0.9070% | 1,799 |
| Net loans and leases to total assets | 55.7064% | 3,861 |
| Net loans and leases to deposits | 62.9247% | 4,046 |
| Net loans and leases to core deposits | 63.9156% | 4,174 |
| Total domestic deposits to total assets | 88.5287% | 869 |
| Equity capital to assets | 10.4084% | 3,407 |
| Core capital (leverage) ratio | 10.2619% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,414,000 | 3,373 |
| Average earning assets | $134,339,000 | 3,392 |
| Average equity | $15,260,500 | 3,635 |
| Average total loans | $86,458,500 | 3,473 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 1,631 |
| Cost of funding earning assets | 0.1022% | 5,103 |
| Net interest margin | 4.8396% | 373 |
| Noninterest income to average assets | 2.6667% | 184 |
| Noninterest expense to average assets | 4.1594% | 442 |
| Loan and lease loss provision to assets | 0.3393% | 457 |
| Net operating income to assets | 1.8885% | 439 |
| Return on assets (ROA) | 1.8857% | 460 |
| Pretax return on assets | 2.6137% | 173 |
| Return on Equity (ROE) | 20.0105% | 212 |
| Retained earnings to average equity (ytd only) | 17.5354% | 53 |
| Net charge-offs to loans | 0.4175% | 465 |
| Credit loss provision to net charge-offs | 143.2836% | 1,795 |
| Earnings coverage of net charge-offs (x) | 12.4866% | 2,413 |
| Efficiency ratio | 58.4525% | 3,919 |
| Assets per employee ($millions) | 3.5574% | 4,425 |
| Cash dividends to net income (ytd only)* | 12.3688% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6753% | 76 |
| Loan loss allowance to noncurrent loans | 22,528.5714% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 1,610 |
| Noncurrent loans to loans | 0.0163% | 4,511 |
| Net loans and leases to total assets | 58.0923% | 3,763 |
| Net loans and leases to deposits | 65.5832% | 3,978 |
| Net loans and leases to core deposits | 66.6745% | 4,154 |
| Total domestic deposits to total assets | 88.5780% | 852 |
| Equity capital to assets | 10.4381% | 3,505 |
| Core capital (leverage) ratio | 9.9784% | 3,543 |
| Tier 1 risk-based capital ratio | 16.3311% | 2,280 |
| Total risk-based capital ratio | 17.6081% | 2,213 |
| Memoranda: | ||
| Average total assets | $141,485,600 | 3,416 |
| Average earning assets | $130,073,800 | 3,422 |
| Average equity | $13,333,000 | 3,854 |
| Average total loans | $80,236,600 | 3,600 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 2,041 |
| Cost of funding earning assets | 0.0943% | 5,188 |
| Net interest margin | 4.7326% | 469 |
| Noninterest income to average assets | 2.6764% | 178 |
| Noninterest expense to average assets | 4.2476% | 388 |
| Loan and lease loss provision to assets | 0.3397% | 401 |
| Net operating income to assets | 1.7715% | 647 |
| Return on assets (ROA) | 1.7685% | 686 |
| Pretax return on assets | 2.4433% | 281 |
| Return on Equity (ROE) | 19.2897% | 295 |
| Retained earnings to average equity (ytd only) | 15.8930% | 110 |
| Net charge-offs to loans | 0.5784% | 280 |
| Credit loss provision to net charge-offs | 105.2632% | 2,160 |
| Earnings coverage of net charge-offs (x) | 8.6345% | 2,639 |
| Efficiency ratio | 60.3837% | 3,566 |
| Assets per employee ($millions) | 3.6399% | 4,349 |
| Cash dividends to net income (ytd only)* | 17.6095% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6077% | 84 |
| Loan loss allowance to noncurrent loans | 3,027.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 1,374 |
| Noncurrent loans to loans | 0.1192% | 4,119 |
| Net loans and leases to total assets | 52.9030% | 4,261 |
| Net loans and leases to deposits | 59.0970% | 4,422 |
| Net loans and leases to core deposits | 60.4260% | 4,520 |
| Total domestic deposits to total assets | 89.5190% | 441 |
| Equity capital to assets | 9.1970% | 4,669 |
| Core capital (leverage) ratio | 9.6269% | 4,045 |
| Tier 1 risk-based capital ratio | 15.6295% | 2,592 |
| Total risk-based capital ratio | 16.9059% | 2,515 |
| Memoranda: | ||
| Average total assets | $141,283,000 | 3,450 |
| Average earning assets | $130,102,750 | 3,461 |
| Average equity | $12,953,000 | 3,930 |
| Average total loans | $78,841,500 | 3,660 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 2,093 |
| Cost of funding earning assets | 0.0949% | 5,232 |
| Net interest margin | 4.6945% | 494 |
| Noninterest income to average assets | 2.6998% | 182 |
| Noninterest expense to average assets | 4.3182% | 367 |
| Loan and lease loss provision to assets | 0.3493% | 369 |
| Net operating income to assets | 1.6999% | 727 |
| Return on assets (ROA) | 1.6999% | 754 |
| Pretax return on assets | 2.3519% | 315 |
| Return on Equity (ROE) | 18.5633% | 345 |
| Retained earnings to average equity (ytd only) | 13.3185% | 271 |
| Net charge-offs to loans | 0.7621% | 186 |
| Credit loss provision to net charge-offs | 81.6327% | 2,212 |
| Earnings coverage of net charge-offs (x) | 6.3129% | 2,583 |
| Efficiency ratio | 61.5177% | 3,505 |
| Assets per employee ($millions) | 3.5194% | 4,481 |
| Cash dividends to net income (ytd only)* | 28.2534% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7750% | 69 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 1,401 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.5059% | 4,244 |
| Net loans and leases to deposits | 59.9314% | 4,432 |
| Net loans and leases to core deposits | 61.2601% | 4,525 |
| Total domestic deposits to total assets | 89.2786% | 551 |
| Equity capital to assets | 9.4662% | 4,434 |
| Core capital (leverage) ratio | 9.6745% | 3,957 |
| Tier 1 risk-based capital ratio | 15.6603% | 2,562 |
| Total risk-based capital ratio | 16.9377% | 2,484 |
| Memoranda: | ||
| Average total assets | $137,418,670 | 3,521 |
| Average earning assets | $126,446,000 | 3,528 |
| Average equity | $12,584,000 | 3,974 |
| Average total loans | $77,154,330 | 3,712 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 2,014 |
| Cost of funding earning assets | 0.0894% | 5,292 |
| Net interest margin | 4.6760% | 522 |
| Noninterest income to average assets | 2.6757% | 171 |
| Noninterest expense to average assets | 4.3141% | 361 |
| Loan and lease loss provision to assets | 0.3536% | 334 |
| Net operating income to assets | 1.6674% | 782 |
| Return on assets (ROA) | 1.6767% | 793 |
| Pretax return on assets | 2.3368% | 332 |
| Return on Equity (ROE) | 18.6359% | 348 |
| Retained earnings to average equity (ytd only) | 7.8277% | 1,726 |
| Net charge-offs to loans | -0.0522% | 4,846 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6941% | 3,580 |
| Assets per employee ($millions) | 3.4279% | 4,628 |
| Cash dividends to net income (ytd only)* | 57.9965% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0706% | 58 |
| Loan loss allowance to noncurrent loans | 202.1249% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 1,204 |
| Noncurrent loans to loans | 2.0139% | 736 |
| Net loans and leases to total assets | 53.9507% | 4,212 |
| Net loans and leases to deposits | 60.1081% | 4,401 |
| Net loans and leases to core deposits | 62.3562% | 4,454 |
| Total domestic deposits to total assets | 89.7561% | 542 |
| Equity capital to assets | 9.0843% | 4,626 |
| Core capital (leverage) ratio | 9.3592% | 4,308 |
| Tier 1 risk-based capital ratio | 15.4029% | 2,701 |
| Total risk-based capital ratio | 16.6849% | 2,593 |
| Memoranda: | ||
| Average total assets | $135,740,500 | 3,582 |
| Average earning assets | $125,321,500 | 3,581 |
| Average equity | $12,213,000 | 4,034 |
| Average total loans | $76,592,500 | 3,759 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5044% | 2,445 |
| Cost of funding earning assets | 0.0687% | 5,343 |
| Net interest margin | 4.4357% | 869 |
| Noninterest income to average assets | 2.5747% | 190 |
| Noninterest expense to average assets | 4.1945% | 401 |
| Loan and lease loss provision to assets | 0.3615% | 413 |
| Net operating income to assets | 1.5900% | 894 |
| Return on assets (ROA) | 1.5852% | 899 |
| Pretax return on assets | 2.0958% | 445 |
| Return on Equity (ROE) | 19.4767% | 287 |
| Retained earnings to average equity (ytd only) | 16.9322% | 69 |
| Net charge-offs to loans | -0.0800% | 5,097 |
| Credit loss provision to net charge-offs | -827.5862% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0019% | 3,343 |
| Assets per employee ($millions) | 3.4453% | 4,615 |
| Cash dividends to net income (ytd only)* | 13.0641% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9555% | 58 |
| Loan loss allowance to noncurrent loans | 145.5733% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.5383% | 755 |
| Noncurrent loans to loans | 2.7172% | 411 |
| Net loans and leases to total assets | 54.3758% | 4,252 |
| Net loans and leases to deposits | 60.3818% | 4,456 |
| Net loans and leases to core deposits | 62.6765% | 4,508 |
| Total domestic deposits to total assets | 90.0532% | 458 |
| Equity capital to assets | 8.9086% | 4,645 |
| Core capital (leverage) ratio | 9.1002% | 4,560 |
| Tier 1 risk-based capital ratio | 15.2744% | 2,711 |
| Total risk-based capital ratio | 16.5542% | 2,621 |
| Memoranda: | ||
| Average total assets | $132,791,400 | 3,611 |
| Average earning assets | $122,236,000 | 3,613 |
| Average equity | $10,807,800 | 4,188 |
| Average total loans | $72,496,400 | 3,819 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 2,431 |
| Cost of funding earning assets | 0.0547% | 5,429 |
| Net interest margin | 4.4065% | 889 |
| Noninterest income to average assets | 2.5317% | 204 |
| Noninterest expense to average assets | 4.3182% | 351 |
| Loan and lease loss provision to assets | 0.3625% | 366 |
| Net operating income to assets | 1.4429% | 1,350 |
| Return on assets (ROA) | 1.4461% | 1,340 |
| Pretax return on assets | 1.9114% | 802 |
| Return on Equity (ROE) | 18.2046% | 408 |
| Retained earnings to average equity (ytd only) | 14.7183% | 188 |
| Net charge-offs to loans | -0.3352% | 5,371 |
| Credit loss provision to net charge-offs | -200.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5457% | 2,951 |
| Assets per employee ($millions) | 3.5463% | 4,501 |
| Cash dividends to net income (ytd only)* | 19.1505% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0971% | 56 |
| Loan loss allowance to noncurrent loans | 561.5672% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 2,850 |
| Noncurrent loans to loans | 0.7296% | 2,253 |
| Net loans and leases to total assets | 50.9436% | 4,530 |
| Net loans and leases to deposits | 56.2037% | 4,742 |
| Net loans and leases to core deposits | 58.3828% | 4,763 |
| Total domestic deposits to total assets | 90.6409% | 304 |
| Equity capital to assets | 8.0128% | 5,175 |
| Core capital (leverage) ratio | 8.7981% | 4,887 |
| Tier 1 risk-based capital ratio | 15.3904% | 2,701 |
| Total risk-based capital ratio | 16.6735% | 2,612 |
| Memoranda: | ||
| Average total assets | $132,398,000 | 3,652 |
| Average earning assets | $121,877,750 | 3,648 |
| Average equity | $10,517,250 | 4,269 |
| Average total loans | $71,602,750 | 3,874 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 2,373 |
| Cost of funding earning assets | 0.0466% | 5,493 |
| Net interest margin | 4.3662% | 916 |
| Noninterest income to average assets | 2.5485% | 206 |
| Noninterest expense to average assets | 4.3993% | 326 |
| Loan and lease loss provision to assets | 0.3680% | 345 |
| Net operating income to assets | 1.3580% | 1,575 |
| Return on assets (ROA) | 1.3617% | 1,565 |
| Pretax return on assets | 1.8048% | 949 |
| Return on Equity (ROE) | 17.1943% | 501 |
| Retained earnings to average equity (ytd only) | 11.8695% | 538 |
| Net charge-offs to loans | -0.5945% | 5,457 |
| Credit loss provision to net charge-offs | -113.7441% | 4,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9858% | 2,825 |
| Assets per employee ($millions) | 3.4214% | 4,693 |
| Cash dividends to net income (ytd only)* | 30.9685% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0135% | 60 |
| Loan loss allowance to noncurrent loans | 355.7856% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 2,109 |
| Noncurrent loans to loans | 1.1281% | 1,560 |
| Net loans and leases to total assets | 53.7320% | 4,363 |
| Net loans and leases to deposits | 59.3289% | 4,569 |
| Net loans and leases to core deposits | 61.7813% | 4,612 |
| Total domestic deposits to total assets | 90.5663% | 380 |
| Equity capital to assets | 8.1523% | 5,170 |
| Core capital (leverage) ratio | 8.6005% | 5,037 |
| Tier 1 risk-based capital ratio | 14.8265% | 2,962 |
| Total risk-based capital ratio | 16.1090% | 2,867 |
| Memoranda: | ||
| Average total assets | $130,429,330 | 3,703 |
| Average earning assets | $120,057,330 | 3,712 |
| Average equity | $10,329,000 | 4,336 |
| Average total loans | $70,981,330 | 3,909 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 2,411 |
| Cost of funding earning assets | 0.0399% | 5,565 |
| Net interest margin | 4.2918% | 964 |
| Noninterest income to average assets | 2.4679% | 202 |
| Noninterest expense to average assets | 4.2377% | 385 |
| Loan and lease loss provision to assets | 0.3674% | 322 |
| Net operating income to assets | 1.3678% | 1,429 |
| Return on assets (ROA) | 1.3993% | 1,350 |
| Pretax return on assets | 1.8586% | 802 |
| Return on Equity (ROE) | 17.9321% | 422 |
| Retained earnings to average equity (ytd only) | 7.1415% | 2,216 |
| Net charge-offs to loans | -1.2214% | 5,545 |
| Credit loss provision to net charge-offs | -56.0748% | 3,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9676% | 3,160 |
| Assets per employee ($millions) | 3.4740% | 4,691 |
| Cash dividends to net income (ytd only)* | 60.1751% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0130% | 64 |
| Loan loss allowance to noncurrent loans | 512.6143% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 2,827 |
| Noncurrent loans to loans | 0.7828% | 2,249 |
| Net loans and leases to total assets | 50.8048% | 4,510 |
| Net loans and leases to deposits | 55.7621% | 4,709 |
| Net loans and leases to core deposits | 58.0142% | 4,753 |
| Total domestic deposits to total assets | 91.1100% | 288 |
| Equity capital to assets | 7.7401% | 5,352 |
| Core capital (leverage) ratio | 8.3488% | 5,232 |
| Tier 1 risk-based capital ratio | 15.0357% | 2,850 |
| Total risk-based capital ratio | 16.3183% | 2,776 |
| Memoranda: | ||
| Average total assets | $130,638,000 | 3,741 |
| Average earning assets | $120,415,000 | 3,739 |
| Average equity | $10,194,000 | 4,400 |
| Average total loans | $70,082,500 | 3,967 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 3,003 |
| Cost of funding earning assets | 0.0503% | 5,616 |
| Net interest margin | 4.0652% | 1,543 |
| Noninterest income to average assets | 2.3898% | 231 |
| Noninterest expense to average assets | 4.5572% | 303 |
| Loan and lease loss provision to assets | 0.3667% | 416 |
| Net operating income to assets | 0.5100% | 4,351 |
| Return on assets (ROA) | 0.5027% | 4,405 |
| Pretax return on assets | 1.1559% | 2,962 |
| Return on Equity (ROE) | 6.5334% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.5334% | 1,265 |
| Net charge-offs to loans | 0.3700% | 689 |
| Credit loss provision to net charge-offs | 195.9184% | 1,396 |
| Earnings coverage of net charge-offs (x) | 8.1959% | 2,942 |
| Efficiency ratio | 74.8150% | 1,786 |
| Assets per employee ($millions) | 3.4017% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5139% | 88 |
| Loan loss allowance to noncurrent loans | 446.6546% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 2,744 |
| Noncurrent loans to loans | 0.7867% | 2,253 |
| Net loans and leases to total assets | 52.4682% | 4,485 |
| Net loans and leases to deposits | 57.6135% | 4,710 |
| Net loans and leases to core deposits | 59.9775% | 4,757 |
| Total domestic deposits to total assets | 91.0694% | 222 |
| Equity capital to assets | 7.8677% | 5,431 |
| Core capital (leverage) ratio | 7.9871% | 5,446 |
| Tier 1 risk-based capital ratio | 14.6457% | 3,013 |
| Total risk-based capital ratio | 15.9222% | 2,935 |
| Memoranda: | ||
| Average total assets | $130,890,600 | 3,735 |
| Average earning assets | $119,183,200 | 3,758 |
| Average equity | $10,071,400 | 4,433 |
| Average total loans | $66,223,800 | 4,048 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,272 |
| Cost of funding earning assets | 0.0447% | 5,690 |
| Net interest margin | 3.9780% | 1,784 |
| Noninterest income to average assets | 2.3803% | 240 |
| Noninterest expense to average assets | 4.5615% | 305 |
| Loan and lease loss provision to assets | 0.3656% | 401 |
| Net operating income to assets | 0.6720% | 4,112 |
| Return on assets (ROA) | 0.6824% | 4,125 |
| Pretax return on assets | 1.0835% | 3,367 |
| Return on Equity (ROE) | 8.9181% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.9181% | 873 |
| Net charge-offs to loans | 0.5459% | 371 |
| Credit loss provision to net charge-offs | 134.8315% | 1,825 |
| Earnings coverage of net charge-offs (x) | 5.2847% | 3,127 |
| Efficiency ratio | 76.0969% | 1,572 |
| Assets per employee ($millions) | 3.7681% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4324% | 99 |
| Loan loss allowance to noncurrent loans | 417.9533% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,961 |
| Noncurrent loans to loans | 0.8212% | 2,315 |
| Net loans and leases to total assets | 46.9782% | 4,885 |
| Net loans and leases to deposits | 51.6392% | 5,065 |
| Net loans and leases to core deposits | 53.3933% | 5,087 |
| Total domestic deposits to total assets | 90.9739% | 192 |
| Equity capital to assets | 7.4610% | 5,619 |
| Core capital (leverage) ratio | 7.9480% | 5,526 |
| Tier 1 risk-based capital ratio | 14.9147% | 2,956 |
| Total risk-based capital ratio | 16.1889% | 2,868 |
| Memoranda: | ||
| Average total assets | $131,297,500 | 3,762 |
| Average earning assets | $119,286,250 | 3,795 |
| Average equity | $10,046,750 | 4,479 |
| Average total loans | $65,206,750 | 4,100 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 3,235 |
| Cost of funding earning assets | 0.0445% | 5,731 |
| Net interest margin | 3.9468% | 1,791 |
| Noninterest income to average assets | 2.4450% | 238 |
| Noninterest expense to average assets | 4.6022% | 286 |
| Loan and lease loss provision to assets | 0.3733% | 377 |
| Net operating income to assets | 0.6626% | 4,013 |
| Return on assets (ROA) | 0.6626% | 4,072 |
| Pretax return on assets | 1.0530% | 3,360 |
| Return on Equity (ROE) | 8.5815% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.5815% | 974 |
| Net charge-offs to loans | 0.8176% | 243 |
| Credit loss provision to net charge-offs | 91.2548% | 2,126 |
| Earnings coverage of net charge-offs (x) | 3.4867% | 3,042 |
| Efficiency ratio | 76.3416% | 1,666 |
| Assets per employee ($millions) | 3.3603% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4228% | 103 |
| Loan loss allowance to noncurrent loans | 367.4419% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 2,741 |
| Noncurrent loans to loans | 0.9315% | 2,105 |
| Net loans and leases to total assets | 48.8793% | 4,773 |
| Net loans and leases to deposits | 54.0695% | 4,960 |
| Net loans and leases to core deposits | 56.0919% | 4,988 |
| Total domestic deposits to total assets | 90.4010% | 393 |
| Equity capital to assets | 7.9709% | 5,547 |
| Core capital (leverage) ratio | 7.9936% | 5,531 |
| Tier 1 risk-based capital ratio | 15.2116% | 2,837 |
| Total risk-based capital ratio | 16.4859% | 2,761 |
| Memoranda: | ||
| Average total assets | $128,590,670 | 3,836 |
| Average earning assets | $116,752,670 | 3,865 |
| Average equity | $9,928,330 | 4,515 |
| Average total loans | $64,334,330 | 4,141 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 3,518 |
| Cost of funding earning assets | 0.0445% | 5,797 |
| Net interest margin | 3.8230% | 2,035 |
| Noninterest income to average assets | 2.4860% | 233 |
| Noninterest expense to average assets | 4.5722% | 313 |
| Loan and lease loss provision to assets | 0.3720% | 307 |
| Net operating income to assets | 0.6531% | 3,921 |
| Return on assets (ROA) | 0.6572% | 3,939 |
| Pretax return on assets | 1.0136% | 3,308 |
| Return on Equity (ROE) | 8.6500% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.6500% | 1,208 |
| Net charge-offs to loans | 1.3772% | 123 |
| Credit loss provision to net charge-offs | 54.2986% | 1,952 |
| Earnings coverage of net charge-offs (x) | 2.0136% | 2,651 |
| Efficiency ratio | 76.8229% | 1,781 |
| Assets per employee ($millions) | 3.5631% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3635% | 126 |
| Loan loss allowance to noncurrent loans | 337.1248% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 2,744 |
| Noncurrent loans to loans | 0.9977% | 2,054 |
| Net loans and leases to total assets | 47.7984% | 4,842 |
| Net loans and leases to deposits | 52.5959% | 5,006 |
| Net loans and leases to core deposits | 54.5408% | 5,038 |
| Total domestic deposits to total assets | 90.8786% | 337 |
| Equity capital to assets | 7.7446% | 5,614 |
| Core capital (leverage) ratio | 7.9752% | 5,567 |
| Tier 1 risk-based capital ratio | 14.7873% | 3,073 |
| Total risk-based capital ratio | 16.0599% | 2,987 |
| Memoranda: | ||
| Average total assets | $129,041,000 | 3,860 |
| Average earning assets | $116,975,500 | 3,895 |
| Average equity | $9,803,500 | 4,571 |
| Average total loans | $64,188,500 | 4,180 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 3,321 |
| Cost of funding earning assets | 0.0522% | 5,831 |
| Net interest margin | 3.9156% | 1,919 |
| Noninterest income to average assets | 2.8544% | 219 |
| Noninterest expense to average assets | 4.7961% | 292 |
| Loan and lease loss provision to assets | 0.3211% | 568 |
| Net operating income to assets | 0.7957% | 3,325 |
| Return on assets (ROA) | 0.7650% | 3,575 |
| Pretax return on assets | 1.1848% | 2,739 |
| Return on Equity (ROE) | 9.8193% | 2,040 |
| Retained earnings to average equity (ytd only) | 6.9858% | 1,233 |
| Net charge-offs to loans | 0.4562% | 558 |
| Credit loss provision to net charge-offs | 144.9275% | 1,890 |
| Earnings coverage of net charge-offs (x) | 7.0109% | 3,086 |
| Efficiency ratio | 75.5373% | 2,060 |
| Assets per employee ($millions) | 3.6059% | 4,602 |
| Cash dividends to net income (ytd only)* | 28.8562% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4421% | 116 |
| Loan loss allowance to noncurrent loans | 351.4151% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 2,854 |
| Noncurrent loans to loans | 0.9795% | 2,133 |
| Net loans and leases to total assets | 48.2983% | 4,871 |
| Net loans and leases to deposits | 52.9129% | 5,066 |
| Net loans and leases to core deposits | 54.8343% | 5,105 |
| Total domestic deposits to total assets | 91.2789% | 213 |
| Equity capital to assets | 7.4515% | 5,724 |
| Core capital (leverage) ratio | 7.4620% | 5,761 |
| Tier 1 risk-based capital ratio | 14.0764% | 3,420 |
| Total risk-based capital ratio | 15.3497% | 3,328 |
| Memoranda: | ||
| Average total assets | $124,581,200 | 3,916 |
| Average earning assets | $111,197,200 | 3,988 |
| Average equity | $9,705,400 | 4,637 |
| Average total loans | $60,496,200 | 4,284 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,390 |
| Cost of funding earning assets | 0.0462% | 5,915 |
| Net interest margin | 3.9101% | 1,938 |
| Noninterest income to average assets | 2.8110% | 224 |
| Noninterest expense to average assets | 4.4139% | 411 |
| Loan and lease loss provision to assets | 0.3028% | 552 |
| Net operating income to assets | 1.0086% | 2,394 |
| Return on assets (ROA) | 1.0232% | 2,453 |
| Pretax return on assets | 1.5942% | 1,394 |
| Return on Equity (ROE) | 12.9850% | 1,061 |
| Retained earnings to average equity (ytd only) | 12.9850% | 219 |
| Net charge-offs to loans | 0.2806% | 821 |
| Credit loss provision to net charge-offs | 224.0000% | 1,317 |
| Earnings coverage of net charge-offs (x) | 13.8642% | 2,276 |
| Efficiency ratio | 70.1926% | 2,858 |
| Assets per employee ($millions) | 3.7151% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5902% | 107 |
| Loan loss allowance to noncurrent loans | 177.7255% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0842% | 1,890 |
| Noncurrent loans to loans | 2.0201% | 966 |
| Net loans and leases to total assets | 45.4970% | 5,120 |
| Net loans and leases to deposits | 49.8803% | 5,301 |
| Net loans and leases to core deposits | 51.6142% | 5,326 |
| Total domestic deposits to total assets | 91.2124% | 157 |
| Equity capital to assets | 7.6063% | 5,830 |
| Core capital (leverage) ratio | 7.9526% | 5,705 |
| Tier 1 risk-based capital ratio | 14.7491% | 3,163 |
| Total risk-based capital ratio | 16.0231% | 3,095 |
| Memoranda: | ||
| Average total assets | $123,273,500 | 3,959 |
| Average earning assets | $109,626,500 | 4,035 |
| Average equity | $9,713,500 | 4,672 |
| Average total loans | $59,387,250 | 4,354 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,410 |
| Cost of funding earning assets | 0.0471% | 5,992 |
| Net interest margin | 3.9063% | 1,961 |
| Noninterest income to average assets | 2.7266% | 229 |
| Noninterest expense to average assets | 4.2393% | 472 |
| Loan and lease loss provision to assets | 0.2671% | 696 |
| Net operating income to assets | 1.1072% | 1,932 |
| Return on assets (ROA) | 1.1304% | 1,964 |
| Pretax return on assets | 1.7148% | 1,059 |
| Return on Equity (ROE) | 14.1627% | 805 |
| Retained earnings to average equity (ytd only) | 14.1627% | 176 |
| Net charge-offs to loans | 1.2486% | 131 |
| Credit loss provision to net charge-offs | 44.0771% | 2,732 |
| Earnings coverage of net charge-offs (x) | 3.2121% | 3,151 |
| Efficiency ratio | 68.5290% | 3,242 |
| Assets per employee ($millions) | 3.3991% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1367% | 167 |
| Loan loss allowance to noncurrent loans | 304.7923% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 3,041 |
| Noncurrent loans to loans | 1.0291% | 2,226 |
| Net loans and leases to total assets | 48.1503% | 4,981 |
| Net loans and leases to deposits | 53.0652% | 5,193 |
| Net loans and leases to core deposits | 54.5106% | 5,253 |
| Total domestic deposits to total assets | 90.7379% | 249 |
| Equity capital to assets | 8.1377% | 5,761 |
| Core capital (leverage) ratio | 8.0889% | 5,674 |
| Tier 1 risk-based capital ratio | 15.2234% | 2,974 |
| Total risk-based capital ratio | 16.4937% | 2,905 |
| Memoranda: | ||
| Average total assets | $119,783,000 | 4,049 |
| Average earning assets | $106,085,330 | 4,130 |
| Average equity | $9,560,330 | 4,731 |
| Average total loans | $58,144,330 | 4,405 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,543 |
| Cost of funding earning assets | 0.0608% | 6,027 |
| Net interest margin | 3.8520% | 2,094 |
| Noninterest income to average assets | 2.5622% | 243 |
| Noninterest expense to average assets | 3.5885% | 1,037 |
| Loan and lease loss provision to assets | 0.2025% | 970 |
| Net operating income to assets | 1.4936% | 869 |
| Return on assets (ROA) | 1.4752% | 941 |
| Pretax return on assets | 2.1639% | 408 |
| Return on Equity (ROE) | 18.6722% | 314 |
| Retained earnings to average equity (ytd only) | 18.6722% | 113 |
| Net charge-offs to loans | 1.4154% | 132 |
| Credit loss provision to net charge-offs | 29.8507% | 2,229 |
| Earnings coverage of net charge-offs (x) | 3.5274% | 2,532 |
| Efficiency ratio | 59.9887% | 4,747 |
| Assets per employee ($millions) | 3.5941% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4169% | 147 |
| Loan loss allowance to noncurrent loans | 361.4679% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 3,293 |
| Noncurrent loans to loans | 0.9453% | 2,486 |
| Net loans and leases to total assets | 45.5687% | 5,149 |
| Net loans and leases to deposits | 50.0593% | 5,335 |
| Net loans and leases to core deposits | 51.4188% | 5,387 |
| Total domestic deposits to total assets | 91.0295% | 266 |
| Equity capital to assets | 7.8797% | 5,867 |
| Core capital (leverage) ratio | 8.2219% | 5,638 |
| Tier 1 risk-based capital ratio | 15.9977% | 2,686 |
| Total risk-based capital ratio | 17.2727% | 2,621 |
| Memoranda: | ||
| Average total assets | $118,490,000 | 4,106 |
| Average earning assets | $105,191,500 | 4,181 |
| Average equity | $9,361,500 | 4,788 |
| Average total loans | $56,802,000 | 4,478 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 3,811 |
| Cost of funding earning assets | 0.0571% | 6,095 |
| Net interest margin | 3.8129% | 2,327 |
| Noninterest income to average assets | 2.0108% | 356 |
| Noninterest expense to average assets | 3.8706% | 788 |
| Loan and lease loss provision to assets | 0.2473% | 772 |
| Net operating income to assets | 0.8239% | 3,227 |
| Return on assets (ROA) | 0.8239% | 3,309 |
| Pretax return on assets | 1.2566% | 2,446 |
| Return on Equity (ROE) | 10.5407% | 1,786 |
| Retained earnings to average equity (ytd only) | 8.0552% | 898 |
| Net charge-offs to loans | 0.1397% | 1,953 |
| Credit loss provision to net charge-offs | 388.8889% | 776 |
| Earnings coverage of net charge-offs (x) | 23.6528% | 1,721 |
| Efficiency ratio | 72.0177% | 2,909 |
| Assets per employee ($millions) | 3.7026% | 4,475 |
| Cash dividends to net income (ytd only)* | 23.5798% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7731% | 101 |
| Loan loss allowance to noncurrent loans | 367.7700% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 3,040 |
| Noncurrent loans to loans | 1.0259% | 2,285 |
| Net loans and leases to total assets | 46.9054% | 5,102 |
| Net loans and leases to deposits | 51.5507% | 5,306 |
| Net loans and leases to core deposits | 53.0424% | 5,367 |
| Total domestic deposits to total assets | 90.9888% | 282 |
| Equity capital to assets | 7.9230% | 5,883 |
| Core capital (leverage) ratio | 7.8171% | 5,904 |
| Tier 1 risk-based capital ratio | 15.4847% | 2,937 |
| Total risk-based capital ratio | 16.7626% | 2,863 |
| Memoranda: | ||
| Average total assets | $113,237,600 | 4,191 |
| Average earning assets | $99,897,400 | 4,293 |
| Average equity | $8,851,400 | 4,881 |
| Average total loans | $51,529,200 | 4,618 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 4,009 |
| Cost of funding earning assets | 0.0525% | 6,190 |
| Net interest margin | 3.7741% | 2,479 |
| Noninterest income to average assets | 1.8254% | 407 |
| Noninterest expense to average assets | 3.5302% | 1,234 |
| Loan and lease loss provision to assets | 0.1418% | 1,564 |
| Net operating income to assets | 0.9712% | 2,617 |
| Return on assets (ROA) | 0.9712% | 2,702 |
| Pretax return on assets | 1.4662% | 1,779 |
| Return on Equity (ROE) | 12.4673% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.4673% | 317 |
| Net charge-offs to loans | -0.0899% | 5,744 |
| Credit loss provision to net charge-offs | -352.9412% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7054% | 3,416 |
| Assets per employee ($millions) | 3.7442% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8919% | 97 |
| Loan loss allowance to noncurrent loans | 268.8889% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 2,860 |
| Noncurrent loans to loans | 1.4474% | 1,732 |
| Net loans and leases to total assets | 43.7645% | 5,370 |
| Net loans and leases to deposits | 48.2142% | 5,551 |
| Net loans and leases to core deposits | 49.5658% | 5,591 |
| Total domestic deposits to total assets | 90.7710% | 316 |
| Equity capital to assets | 8.0263% | 5,947 |
| Core capital (leverage) ratio | 8.1414% | 5,817 |
| Tier 1 risk-based capital ratio | 16.4845% | 2,586 |
| Total risk-based capital ratio | 17.7629% | 2,533 |
| Memoranda: | ||
| Average total assets | $112,852,000 | 4,252 |
| Average earning assets | $99,059,750 | 4,361 |
| Average equity | $8,790,750 | 4,955 |
| Average total loans | $50,424,250 | 4,698 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 3,973 |
| Cost of funding earning assets | 0.0554% | 6,260 |
| Net interest margin | 3.7699% | 2,438 |
| Noninterest income to average assets | 1.5871% | 512 |
| Noninterest expense to average assets | 3.4693% | 1,348 |
| Loan and lease loss provision to assets | 0.1074% | 2,040 |
| Net operating income to assets | 0.8034% | 3,368 |
| Return on assets (ROA) | 0.8034% | 3,463 |
| Pretax return on assets | 1.2972% | 2,374 |
| Return on Equity (ROE) | 10.4229% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.4229% | 598 |
| Net charge-offs to loans | -0.1250% | 5,863 |
| Credit loss provision to net charge-offs | -193.5484% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1821% | 3,132 |
| Assets per employee ($millions) | 3.6686% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9100% | 110 |
| Loan loss allowance to noncurrent loans | 247.3945% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8626% | 2,826 |
| Noncurrent loans to loans | 1.5805% | 1,667 |
| Net loans and leases to total assets | 43.0888% | 5,433 |
| Net loans and leases to deposits | 49.1465% | 5,547 |
| Net loans and leases to core deposits | 50.6031% | 5,589 |
| Total domestic deposits to total assets | 87.6741% | 1,801 |
| Equity capital to assets | 7.8028% | 6,045 |
| Core capital (leverage) ratio | 7.8354% | 6,002 |
| Tier 1 risk-based capital ratio | 15.4624% | 3,122 |
| Total risk-based capital ratio | 16.7398% | 3,059 |
| Memoranda: | ||
| Average total assets | $111,779,670 | 4,306 |
| Average earning assets | $97,455,670 | 4,432 |
| Average equity | $8,615,670 | 5,035 |
| Average total loans | $49,614,330 | 4,764 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6943% | 4,382 |
| Cost of funding earning assets | 0.0608% | 6,326 |
| Net interest margin | 3.6335% | 2,884 |
| Noninterest income to average assets | 1.1913% | 801 |
| Noninterest expense to average assets | 3.3717% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6787% | 3,897 |
| Return on assets (ROA) | 0.6787% | 4,023 |
| Pretax return on assets | 1.0541% | 3,289 |
| Return on Equity (ROE) | 8.8611% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.8611% | 1,249 |
| Net charge-offs to loans | -0.2208% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1827% | 2,491 |
| Assets per employee ($millions) | 3.7971% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9674% | 132 |
| Loan loss allowance to noncurrent loans | 162.3213% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 2,242 |
| Noncurrent loans to loans | 2.4441% | 998 |
| Net loans and leases to total assets | 41.0111% | 5,546 |
| Net loans and leases to deposits | 44.9301% | 5,711 |
| Net loans and leases to core deposits | 46.2893% | 5,741 |
| Total domestic deposits to total assets | 91.2776% | 280 |
| Equity capital to assets | 7.5918% | 6,153 |
| Core capital (leverage) ratio | 7.9397% | 5,976 |
| Tier 1 risk-based capital ratio | 15.6982% | 3,059 |
| Total risk-based capital ratio | 16.9755% | 2,986 |
| Memoranda: | ||
| Average total assets | $110,805,500 | 4,352 |
| Average earning assets | $98,638,000 | 4,442 |
| Average equity | $8,486,500 | 5,097 |
| Average total loans | $48,922,500 | 4,820 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,170 |
| Cost of funding earning assets | 0.0726% | 6,392 |
| Net interest margin | 3.8142% | 2,572 |
| Noninterest income to average assets | 0.9046% | 1,492 |
| Noninterest expense to average assets | 3.5974% | 1,313 |
| Loan and lease loss provision to assets | 0.1535% | 1,713 |
| Net operating income to assets | 0.4566% | 4,984 |
| Return on assets (ROA) | 0.4566% | 5,079 |
| Pretax return on assets | 0.5794% | 5,003 |
| Return on Equity (ROE) | 5.7549% | 4,284 |
| Retained earnings to average equity (ytd only) | 4.0865% | 3,295 |
| Net charge-offs to loans | 0.5354% | 765 |
| Credit loss provision to net charge-offs | 62.5000% | 3,243 |
| Earnings coverage of net charge-offs (x) | 2.9844% | 4,012 |
| Efficiency ratio | 83.0749% | 1,511 |
| Assets per employee ($millions) | 3.5899% | 4,738 |
| Cash dividends to net income (ytd only)* | 28.9916% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8680% | 144 |
| Loan loss allowance to noncurrent loans | 163.9104% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 2,272 |
| Noncurrent loans to loans | 2.3599% | 1,100 |
| Net loans and leases to total assets | 43.9145% | 5,471 |
| Net loans and leases to deposits | 48.1501% | 5,679 |
| Net loans and leases to core deposits | 49.6927% | 5,726 |
| Total domestic deposits to total assets | 91.2032% | 304 |
| Equity capital to assets | 7.7299% | 6,168 |
| Core capital (leverage) ratio | 7.7210% | 6,123 |
| Tier 1 risk-based capital ratio | 15.6627% | 3,146 |
| Total risk-based capital ratio | 16.9417% | 3,062 |
| Memoranda: | ||
| Average total assets | $104,241,000 | 4,498 |
| Average earning assets | $93,623,200 | 4,564 |
| Average equity | $8,271,200 | 5,135 |
| Average total loans | $47,815,000 | 4,889 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,273 |
| Cost of funding earning assets | 0.0674% | 6,487 |
| Net interest margin | 3.8046% | 2,607 |
| Noninterest income to average assets | 0.8732% | 1,612 |
| Noninterest expense to average assets | 3.4178% | 1,619 |
| Loan and lease loss provision to assets | 0.2064% | 1,136 |
| Net operating income to assets | 0.5378% | 4,719 |
| Return on assets (ROA) | 0.5378% | 4,790 |
| Pretax return on assets | 0.6733% | 4,793 |
| Return on Equity (ROE) | 6.7329% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.7329% | 1,963 |
| Net charge-offs to loans | 0.1433% | 2,365 |
| Credit loss provision to net charge-offs | 313.7255% | 881 |
| Earnings coverage of net charge-offs (x) | 13.3722% | 2,234 |
| Efficiency ratio | 79.5318% | 1,985 |
| Assets per employee ($millions) | 3.3151% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3020% | 125 |
| Loan loss allowance to noncurrent loans | 154.8861% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.4479% | 2,133 |
| Noncurrent loans to loans | 2.7776% | 1,006 |
| Net loans and leases to total assets | 44.2035% | 5,508 |
| Net loans and leases to deposits | 48.6351% | 5,728 |
| Net loans and leases to core deposits | 50.1894% | 5,777 |
| Total domestic deposits to total assets | 90.8882% | 395 |
| Equity capital to assets | 7.9533% | 6,158 |
| Core capital (leverage) ratio | 8.1860% | 5,947 |
| Tier 1 risk-based capital ratio | 16.1925% | 2,962 |
| Total risk-based capital ratio | 17.4761% | 2,901 |
| Memoranda: | ||
| Average total assets | $103,376,750 | 4,562 |
| Average earning assets | $93,043,750 | 4,624 |
| Average equity | $8,257,750 | 5,179 |
| Average total loans | $47,469,250 | 4,955 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 4,237 |
| Cost of funding earning assets | 0.0673% | 6,553 |
| Net interest margin | 3.8092% | 2,538 |
| Noninterest income to average assets | 0.8314% | 1,731 |
| Noninterest expense to average assets | 3.2418% | 2,068 |
| Loan and lease loss provision to assets | 0.2732% | 758 |
| Net operating income to assets | 0.4782% | 4,900 |
| Return on assets (ROA) | 0.4782% | 4,969 |
| Pretax return on assets | 0.7416% | 4,491 |
| Return on Equity (ROE) | 5.9771% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.9771% | 2,337 |
| Net charge-offs to loans | 0.3961% | 1,020 |
| Credit loss provision to net charge-offs | 150.5376% | 1,446 |
| Earnings coverage of net charge-offs (x) | 5.5914% | 2,901 |
| Efficiency ratio | 76.1577% | 2,603 |
| Assets per employee ($millions) | 3.2921% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3668% | 135 |
| Loan loss allowance to noncurrent loans | 163.4185% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3546% | 2,415 |
| Noncurrent loans to loans | 2.6721% | 1,137 |
| Net loans and leases to total assets | 42.5333% | 5,643 |
| Net loans and leases to deposits | 46.7003% | 5,843 |
| Net loans and leases to core deposits | 48.1983% | 5,891 |
| Total domestic deposits to total assets | 91.0772% | 389 |
| Equity capital to assets | 7.8843% | 6,217 |
| Core capital (leverage) ratio | 8.0479% | 6,060 |
| Tier 1 risk-based capital ratio | 15.9437% | 3,120 |
| Total risk-based capital ratio | 17.2260% | 3,039 |
| Memoranda: | ||
| Average total assets | $102,475,000 | 4,624 |
| Average earning assets | $92,145,330 | 4,676 |
| Average equity | $8,198,000 | 5,213 |
| Average total loans | $46,959,000 | 5,002 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,887 |
| Cost of funding earning assets | 0.0700% | 6,625 |
| Net interest margin | 3.6186% | 3,179 |
| Noninterest income to average assets | 0.7997% | 1,751 |
| Noninterest expense to average assets | 2.9454% | 3,064 |
| Loan and lease loss provision to assets | 0.3167% | 586 |
| Net operating income to assets | 0.5463% | 4,474 |
| Return on assets (ROA) | 0.5463% | 4,545 |
| Pretax return on assets | 0.8116% | 4,064 |
| Return on Equity (ROE) | 6.7780% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.7780% | 2,155 |
| Net charge-offs to loans | 0.2553% | 1,309 |
| Credit loss provision to net charge-offs | 266.6667% | 859 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,931 |
| Efficiency ratio | 72.3032% | 3,432 |
| Assets per employee ($millions) | 3.0968% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4516% | 135 |
| Loan loss allowance to noncurrent loans | 166.3149% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 2,567 |
| Noncurrent loans to loans | 2.6766% | 1,266 |
| Net loans and leases to total assets | 43.0348% | 5,589 |
| Net loans and leases to deposits | 47.3030% | 5,774 |
| Net loans and leases to core deposits | 48.8688% | 5,831 |
| Total domestic deposits to total assets | 90.9770% | 575 |
| Equity capital to assets | 8.0220% | 6,043 |
| Core capital (leverage) ratio | 8.1174% | 6,025 |
| Tier 1 risk-based capital ratio | 16.2947% | 3,012 |
| Total risk-based capital ratio | 17.5787% | 2,957 |
| Memoranda: | ||
| Average total assets | $101,038,500 | 4,706 |
| Average earning assets | $91,417,500 | 4,740 |
| Average equity | $8,144,000 | 5,248 |
| Average total loans | $47,011,500 | 5,041 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 3,653 |
| Cost of funding earning assets | 0.0994% | 6,675 |
| Net interest margin | 4.0240% | 1,886 |
| Noninterest income to average assets | 0.8573% | 1,837 |
| Noninterest expense to average assets | 3.6410% | 1,384 |
| Loan and lease loss provision to assets | 0.2919% | 1,164 |
| Net operating income to assets | 0.3537% | 5,321 |
| Return on assets (ROA) | 0.3537% | 5,434 |
| Pretax return on assets | 0.5361% | 5,087 |
| Return on Equity (ROE) | 4.3218% | 4,967 |
| Retained earnings to average equity (ytd only) | 2.6129% | 4,396 |
| Net charge-offs to loans | 0.2782% | 2,310 |
| Credit loss provision to net charge-offs | 221.5385% | 1,032 |
| Earnings coverage of net charge-offs (x) | 6.2846% | 3,094 |
| Efficiency ratio | 81.4739% | 1,952 |
| Assets per employee ($millions) | 3.0268% | 5,792 |
| Cash dividends to net income (ytd only)* | 39.5415% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1650% | 180 |
| Loan loss allowance to noncurrent loans | 148.1838% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5258% | 2,436 |
| Noncurrent loans to loans | 2.8107% | 1,254 |
| Net loans and leases to total assets | 46.0499% | 5,478 |
| Net loans and leases to deposits | 50.6977% | 5,714 |
| Net loans and leases to core deposits | 52.4165% | 5,768 |
| Total domestic deposits to total assets | 90.8323% | 647 |
| Equity capital to assets | 8.0995% | 5,936 |
| Core capital (leverage) ratio | 8.0942% | 6,061 |
| Tier 1 risk-based capital ratio | 15.9413% | 3,123 |
| Total risk-based capital ratio | 17.2247% | 3,063 |
| Memoranda: | ||
| Average total assets | $98,680,400 | 4,772 |
| Average earning assets | $88,567,600 | 4,814 |
| Average equity | $8,075,400 | 5,316 |
| Average total loans | $46,735,200 | 5,081 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,997 |
| Cost of funding earning assets | 0.0968% | 6,771 |
| Net interest margin | 3.9380% | 2,152 |
| Noninterest income to average assets | 0.8443% | 1,961 |
| Noninterest expense to average assets | 3.5481% | 1,496 |
| Loan and lease loss provision to assets | 0.2439% | 1,471 |
| Net operating income to assets | 0.3835% | 5,310 |
| Return on assets (ROA) | 0.3835% | 5,451 |
| Pretax return on assets | 0.5800% | 5,096 |
| Return on Equity (ROE) | 4.6746% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.6746% | 3,337 |
| Net charge-offs to loans | -0.5342% | 6,785 |
| Credit loss provision to net charge-offs | -96.7742% | 5,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1531% | 1,949 |
| Assets per employee ($millions) | 3.0238% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5902% | 153 |
| Loan loss allowance to noncurrent loans | 136.0666% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.8550% | 2,193 |
| Noncurrent loans to loans | 3.3735% | 1,149 |
| Net loans and leases to total assets | 45.9724% | 5,552 |
| Net loans and leases to deposits | 50.7203% | 5,789 |
| Net loans and leases to core deposits | 52.4238% | 5,865 |
| Total domestic deposits to total assets | 90.6390% | 689 |
| Equity capital to assets | 8.1955% | 6,006 |
| Core capital (leverage) ratio | 8.1355% | 6,124 |
| Tier 1 risk-based capital ratio | 16.0738% | 3,154 |
| Total risk-based capital ratio | 17.3627% | 3,091 |
| Memoranda: | ||
| Average total assets | $98,379,750 | 4,823 |
| Average earning assets | $88,131,250 | 4,868 |
| Average equity | $8,071,750 | 5,373 |
| Average total loans | $46,420,250 | 5,140 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 4,016 |
| Cost of funding earning assets | 0.1026% | 6,820 |
| Net interest margin | 3.9221% | 2,141 |
| Noninterest income to average assets | 0.8314% | 2,062 |
| Noninterest expense to average assets | 3.5624% | 1,478 |
| Loan and lease loss provision to assets | 0.2451% | 1,520 |
| Net operating income to assets | 0.3616% | 5,356 |
| Return on assets (ROA) | 0.3616% | 5,538 |
| Pretax return on assets | 0.5393% | 5,240 |
| Return on Equity (ROE) | 4.4050% | 5,047 |
| Retained earnings to average equity (ytd only) | 4.4050% | 3,468 |
| Net charge-offs to loans | -0.8154% | 6,858 |
| Credit loss provision to net charge-offs | -64.1711% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9549% | 1,891 |
| Assets per employee ($millions) | 3.0139% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5351% | 171 |
| Loan loss allowance to noncurrent loans | 190.7638% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.3644% | 3,058 |
| Noncurrent loans to loans | 2.3773% | 1,986 |
| Net loans and leases to total assets | 45.4615% | 5,593 |
| Net loans and leases to deposits | 50.0454% | 5,837 |
| Net loans and leases to core deposits | 51.6778% | 5,913 |
| Total domestic deposits to total assets | 90.8405% | 603 |
| Equity capital to assets | 8.0786% | 6,146 |
| Core capital (leverage) ratio | 7.8489% | 6,280 |
| Tier 1 risk-based capital ratio | 15.7239% | 3,348 |
| Total risk-based capital ratio | 17.0120% | 3,280 |
| Memoranda: | ||
| Average total assets | $97,911,000 | 4,864 |
| Average earning assets | $87,759,330 | 4,907 |
| Average equity | $8,036,330 | 5,417 |
| Average total loans | $45,866,670 | 5,192 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 4,509 |
| Cost of funding earning assets | 0.1105% | 6,890 |
| Net interest margin | 3.7798% | 2,526 |
| Noninterest income to average assets | 0.8071% | 2,099 |
| Noninterest expense to average assets | 3.4755% | 1,673 |
| Loan and lease loss provision to assets | 0.3294% | 1,021 |
| Net operating income to assets | 0.2553% | 5,709 |
| Return on assets (ROA) | 0.2553% | 5,828 |
| Pretax return on assets | 0.3830% | 5,620 |
| Return on Equity (ROE) | 3.0857% | 5,556 |
| Retained earnings to average equity (ytd only) | 3.0857% | 4,431 |
| Net charge-offs to loans | 0.0798% | 3,037 |
| Credit loss provision to net charge-offs | 888.8889% | 343 |
| Earnings coverage of net charge-offs (x) | 19.2222% | 1,229 |
| Efficiency ratio | 82.9892% | 1,888 |
| Assets per employee ($millions) | 2.9823% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2523% | 236 |
| Loan loss allowance to noncurrent loans | 171.0197% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 3,205 |
| Noncurrent loans to loans | 2.4864% | 2,078 |
| Net loans and leases to total assets | 43.7445% | 5,693 |
| Net loans and leases to deposits | 48.1625% | 5,913 |
| Net loans and leases to core deposits | 49.7487% | 5,987 |
| Total domestic deposits to total assets | 90.8268% | 598 |
| Equity capital to assets | 8.1866% | 6,260 |
| Core capital (leverage) ratio | 8.0775% | 6,075 |
| Tier 1 risk-based capital ratio | 16.3252% | 3,097 |
| Total risk-based capital ratio | 17.6094% | 3,027 |
| Memoranda: | ||
| Average total assets | $97,136,500 | 4,923 |
| Average earning assets | $86,882,000 | 4,962 |
| Average equity | $8,037,000 | 5,476 |
| Average total loans | $45,118,000 | 5,246 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 4,186 |
| Cost of funding earning assets | 0.2102% | 6,805 |
| Net interest margin | 4.0904% | 2,041 |
| Noninterest income to average assets | 0.8531% | 2,025 |
| Noninterest expense to average assets | 3.6784% | 1,457 |
| Loan and lease loss provision to assets | 0.4313% | 1,479 |
| Net operating income to assets | 0.2325% | 5,695 |
| Return on assets (ROA) | 0.2325% | 5,890 |
| Pretax return on assets | 0.3660% | 5,667 |
| Return on Equity (ROE) | 2.7433% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.0303% | 5,359 |
| Net charge-offs to loans | 2.4378% | 256 |
| Credit loss provision to net charge-offs | 36.4769% | 5,000 |
| Earnings coverage of net charge-offs (x) | 0.6744% | 5,150 |
| Efficiency ratio | 82.1857% | 1,839 |
| Assets per employee ($millions) | 2.9047% | 6,151 |
| Cash dividends to net income (ytd only)* | 62.4434% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0665% | 272 |
| Loan loss allowance to noncurrent loans | 129.3746% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 2.0228% | 2,424 |
| Noncurrent loans to loans | 3.1432% | 1,640 |
| Net loans and leases to total assets | 45.3086% | 5,689 |
| Net loans and leases to deposits | 49.9741% | 5,957 |
| Net loans and leases to core deposits | 51.6661% | 6,038 |
| Total domestic deposits to total assets | 90.6641% | 627 |
| Equity capital to assets | 8.3636% | 6,151 |
| Core capital (leverage) ratio | 8.0366% | 6,160 |
| Tier 1 risk-based capital ratio | 15.4383% | 3,468 |
| Total risk-based capital ratio | 16.7190% | 3,409 |
| Memoranda: | ||
| Average total assets | $95,069,000 | 4,963 |
| Average earning assets | $84,197,400 | 5,011 |
| Average equity | $8,056,000 | 5,487 |
| Average total loans | $46,107,600 | 5,247 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 4,405 |
| Cost of funding earning assets | 0.2222% | 6,898 |
| Net interest margin | 4.0915% | 2,118 |
| Noninterest income to average assets | 0.8376% | 2,085 |
| Noninterest expense to average assets | 3.6821% | 1,390 |
| Loan and lease loss provision to assets | 0.5059% | 1,208 |
| Net operating income to assets | 0.1743% | 5,979 |
| Return on assets (ROA) | 0.1743% | 6,134 |
| Pretax return on assets | 0.2726% | 6,003 |
| Return on Equity (ROE) | 2.0498% | 6,010 |
| Retained earnings to average equity (ytd only) | 2.0498% | 5,298 |
| Net charge-offs to loans | 2.2511% | 300 |
| Credit loss provision to net charge-offs | 46.0358% | 4,492 |
| Earnings coverage of net charge-offs (x) | 0.7084% | 4,969 |
| Efficiency ratio | 82.5457% | 1,747 |
| Assets per employee ($millions) | 2.8838% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7048% | 179 |
| Loan loss allowance to noncurrent loans | 122.0252% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 2.7079% | 1,953 |
| Noncurrent loans to loans | 3.8556% | 1,355 |
| Net loans and leases to total assets | 45.3986% | 5,834 |
| Net loans and leases to deposits | 50.2799% | 6,087 |
| Net loans and leases to core deposits | 51.8270% | 6,190 |
| Total domestic deposits to total assets | 90.2917% | 684 |
| Equity capital to assets | 8.5104% | 6,248 |
| Core capital (leverage) ratio | 8.0576% | 6,281 |
| Tier 1 risk-based capital ratio | 15.5939% | 3,482 |
| Total risk-based capital ratio | 16.8820% | 3,424 |
| Memoranda: | ||
| Average total assets | $94,872,250 | 5,017 |
| Average earning assets | $84,010,250 | 5,074 |
| Average equity | $8,065,750 | 5,543 |
| Average total loans | $46,316,500 | 5,301 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 4,563 |
| Cost of funding earning assets | 0.2360% | 6,953 |
| Net interest margin | 4.0662% | 2,227 |
| Noninterest income to average assets | 0.8673% | 1,899 |
| Noninterest expense to average assets | 3.6170% | 1,548 |
| Loan and lease loss provision to assets | 0.5065% | 1,242 |
| Net operating income to assets | 0.2342% | 5,812 |
| Return on assets (ROA) | 0.2342% | 6,001 |
| Pretax return on assets | 0.3440% | 5,844 |
| Return on Equity (ROE) | 2.7562% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.7562% | 4,785 |
| Net charge-offs to loans | 2.6542% | 254 |
| Credit loss provision to net charge-offs | 38.7722% | 4,296 |
| Earnings coverage of net charge-offs (x) | 0.6511% | 4,736 |
| Efficiency ratio | 80.9636% | 2,031 |
| Assets per employee ($millions) | 2.9832% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6888% | 203 |
| Loan loss allowance to noncurrent loans | 98.7744% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 3.0148% | 1,828 |
| Noncurrent loans to loans | 4.7470% | 1,074 |
| Net loans and leases to total assets | 46.3352% | 5,797 |
| Net loans and leases to deposits | 51.2229% | 6,084 |
| Net loans and leases to core deposits | 52.7879% | 6,179 |
| Total domestic deposits to total assets | 90.4579% | 691 |
| Equity capital to assets | 8.4820% | 6,227 |
| Core capital (leverage) ratio | 8.0514% | 6,220 |
| Tier 1 risk-based capital ratio | 15.1403% | 3,670 |
| Total risk-based capital ratio | 16.4265% | 3,615 |
| Memoranda: | ||
| Average total assets | $94,774,330 | 5,045 |
| Average earning assets | $83,911,000 | 5,103 |
| Average equity | $8,054,670 | 5,555 |
| Average total loans | $46,643,000 | 5,318 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 4,583 |
| Cost of funding earning assets | 0.2428% | 7,023 |
| Net interest margin | 4.0936% | 2,118 |
| Noninterest income to average assets | 0.7879% | 2,223 |
| Noninterest expense to average assets | 3.5624% | 1,644 |
| Loan and lease loss provision to assets | 0.5083% | 1,190 |
| Net operating income to assets | 0.2880% | 5,698 |
| Return on assets (ROA) | 0.2880% | 5,867 |
| Pretax return on assets | 0.3601% | 5,834 |
| Return on Equity (ROE) | 3.3858% | 5,553 |
| Retained earnings to average equity (ytd only) | 3.3858% | 4,536 |
| Net charge-offs to loans | 1.1719% | 874 |
| Credit loss provision to net charge-offs | 87.5912% | 2,591 |
| Earnings coverage of net charge-offs (x) | 1.4964% | 3,577 |
| Efficiency ratio | 80.4015% | 2,152 |
| Assets per employee ($millions) | 2.9620% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5475% | 109 |
| Loan loss allowance to noncurrent loans | 71.3523% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 4.1305% | 1,327 |
| Noncurrent loans to loans | 7.7749% | 512 |
| Net loans and leases to total assets | 45.5905% | 5,835 |
| Net loans and leases to deposits | 50.3907% | 6,107 |
| Net loans and leases to core deposits | 51.9387% | 6,210 |
| Total domestic deposits to total assets | 90.4740% | 817 |
| Equity capital to assets | 8.5195% | 6,066 |
| Core capital (leverage) ratio | 8.2012% | 6,021 |
| Tier 1 risk-based capital ratio | 15.0767% | 3,706 |
| Total risk-based capital ratio | 16.3909% | 3,623 |
| Memoranda: | ||
| Average total assets | $94,431,000 | 5,085 |
| Average earning assets | $84,033,500 | 5,136 |
| Average equity | $8,033,500 | 5,585 |
| Average total loans | $46,760,500 | 5,350 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 3,935 |
| Cost of funding earning assets | 0.3469% | 7,019 |
| Net interest margin | 4.4247% | 1,331 |
| Noninterest income to average assets | 0.8931% | 1,693 |
| Noninterest expense to average assets | 3.8186% | 1,310 |
| Loan and lease loss provision to assets | 0.5067% | 2,075 |
| Net operating income to assets | 0.3484% | 5,077 |
| Return on assets (ROA) | 0.3484% | 5,236 |
| Pretax return on assets | 0.5268% | 4,911 |
| Return on Equity (ROE) | 4.1191% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.0596% | 4,747 |
| Net charge-offs to loans | 0.1481% | 4,959 |
| Credit loss provision to net charge-offs | 666.6667% | 330 |
| Earnings coverage of net charge-offs (x) | 13.5972% | 1,529 |
| Efficiency ratio | 78.6989% | 2,496 |
| Assets per employee ($millions) | 2.9400% | 6,212 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3484% | 145 |
| Loan loss allowance to noncurrent loans | 78.0391% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 3.8733% | 1,488 |
| Noncurrent loans to loans | 6.8535% | 653 |
| Net loans and leases to total assets | 48.0617% | 5,817 |
| Net loans and leases to deposits | 53.0835% | 6,133 |
| Net loans and leases to core deposits | 54.5863% | 6,256 |
| Total domestic deposits to total assets | 90.5399% | 697 |
| Equity capital to assets | 8.4950% | 6,152 |
| Core capital (leverage) ratio | 7.7980% | 6,441 |
| Tier 1 risk-based capital ratio | 13.9987% | 4,326 |
| Total risk-based capital ratio | 15.2922% | 4,247 |
| Memoranda: | ||
| Average total assets | $94,721,800 | 5,055 |
| Average earning assets | $84,751,600 | 5,095 |
| Average equity | $8,011,400 | 5,567 |
| Average total loans | $48,629,000 | 5,315 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 4,075 |
| Cost of funding earning assets | 0.3590% | 7,106 |
| Net interest margin | 4.4285% | 1,321 |
| Noninterest income to average assets | 0.9078% | 1,618 |
| Noninterest expense to average assets | 3.7365% | 1,422 |
| Loan and lease loss provision to assets | 0.5059% | 1,957 |
| Net operating income to assets | 0.4202% | 4,903 |
| Return on assets (ROA) | 0.4202% | 5,095 |
| Pretax return on assets | 0.6352% | 4,701 |
| Return on Equity (ROE) | 4.9731% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.9731% | 3,185 |
| Net charge-offs to loans | 0.1447% | 4,619 |
| Credit loss provision to net charge-offs | 679.2453% | 400 |
| Earnings coverage of net charge-offs (x) | 15.3218% | 1,475 |
| Efficiency ratio | 76.6062% | 2,748 |
| Assets per employee ($millions) | 2.9160% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0684% | 172 |
| Loan loss allowance to noncurrent loans | 75.4381% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 3.6543% | 1,718 |
| Noncurrent loans to loans | 6.7186% | 761 |
| Net loans and leases to total assets | 46.3613% | 6,111 |
| Net loans and leases to deposits | 51.1228% | 6,435 |
| Net loans and leases to core deposits | 52.4883% | 6,539 |
| Total domestic deposits to total assets | 90.6862% | 557 |
| Equity capital to assets | 8.2578% | 6,522 |
| Core capital (leverage) ratio | 8.4533% | 5,774 |
| Tier 1 risk-based capital ratio | 15.1221% | 3,596 |
| Total risk-based capital ratio | 16.4156% | 3,536 |
| Memoranda: | ||
| Average total assets | $94,882,500 | 5,081 |
| Average earning assets | $85,053,500 | 5,121 |
| Average equity | $8,016,250 | 5,596 |
| Average total loans | $48,843,500 | 5,350 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 3,860 |
| Cost of funding earning assets | 0.3902% | 7,146 |
| Net interest margin | 4.4609% | 1,222 |
| Noninterest income to average assets | 0.8881% | 1,681 |
| Noninterest expense to average assets | 3.7726% | 1,390 |
| Loan and lease loss provision to assets | 0.5136% | 1,911 |
| Net operating income to assets | 0.4109% | 4,892 |
| Return on assets (ROA) | 0.4109% | 5,051 |
| Pretax return on assets | 0.6142% | 4,702 |
| Return on Equity (ROE) | 4.8245% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.8245% | 3,103 |
| Net charge-offs to loans | -0.0122% | 6,728 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9869% | 2,866 |
| Assets per employee ($millions) | 2.6577% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8924% | 200 |
| Loan loss allowance to noncurrent loans | 86.4689% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 3.4369% | 1,919 |
| Noncurrent loans to loans | 5.6580% | 1,098 |
| Net loans and leases to total assets | 49.9479% | 5,831 |
| Net loans and leases to deposits | 55.3331% | 6,195 |
| Net loans and leases to core deposits | 57.0249% | 6,349 |
| Total domestic deposits to total assets | 90.2676% | 829 |
| Equity capital to assets | 8.7090% | 5,934 |
| Core capital (leverage) ratio | 8.2018% | 6,027 |
| Tier 1 risk-based capital ratio | 14.8896% | 3,558 |
| Total risk-based capital ratio | 16.1808% | 3,502 |
| Memoranda: | ||
| Average total assets | $93,462,330 | 5,154 |
| Average earning assets | $84,063,330 | 5,195 |
| Average equity | $7,959,330 | 5,624 |
| Average total loans | $48,985,330 | 5,395 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 4,063 |
| Cost of funding earning assets | 0.4311% | 7,157 |
| Net interest margin | 4.3682% | 1,371 |
| Noninterest income to average assets | 0.8497% | 1,853 |
| Noninterest expense to average assets | 3.7530% | 1,437 |
| Loan and lease loss provision to assets | 0.5124% | 1,700 |
| Net operating income to assets | 0.3416% | 5,214 |
| Return on assets (ROA) | 0.3416% | 5,295 |
| Pretax return on assets | 0.5209% | 4,954 |
| Return on Equity (ROE) | 4.0565% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.0565% | 3,724 |
| Net charge-offs to loans | 0.4159% | 2,440 |
| Credit loss provision to net charge-offs | 235.2941% | 1,309 |
| Earnings coverage of net charge-offs (x) | 4.7451% | 2,406 |
| Efficiency ratio | 78.4121% | 2,785 |
| Assets per employee ($millions) | 2.7409% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6334% | 256 |
| Loan loss allowance to noncurrent loans | 80.6769% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 3.4004% | 2,008 |
| Noncurrent loans to loans | 5.7432% | 1,131 |
| Net loans and leases to total assets | 47.5670% | 6,129 |
| Net loans and leases to deposits | 52.3718% | 6,447 |
| Net loans and leases to core deposits | 53.9176% | 6,562 |
| Total domestic deposits to total assets | 90.8256% | 707 |
| Equity capital to assets | 8.2373% | 6,240 |
| Core capital (leverage) ratio | 8.1883% | 5,984 |
| Tier 1 risk-based capital ratio | 14.2974% | 3,872 |
| Total risk-based capital ratio | 15.5830% | 3,805 |
| Memoranda: | ||
| Average total assets | $93,684,000 | 5,179 |
| Average earning assets | $84,428,500 | 5,211 |
| Average equity | $7,888,500 | 5,651 |
| Average total loans | $49,052,500 | 5,439 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 2,900 |
| Cost of funding earning assets | 0.6185% | 7,086 |
| Net interest margin | 4.7307% | 764 |
| Noninterest income to average assets | 0.9540% | 1,659 |
| Noninterest expense to average assets | 4.0194% | 1,132 |
| Loan and lease loss provision to assets | 0.5353% | 3,012 |
| Net operating income to assets | 0.4537% | 4,298 |
| Return on assets (ROA) | 0.4537% | 4,463 |
| Pretax return on assets | 0.6879% | 4,015 |
| Return on Equity (ROE) | 5.4083% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.3233% | 3,539 |
| Net charge-offs to loans | 0.1120% | 5,757 |
| Credit loss provision to net charge-offs | 870.6897% | 251 |
| Earnings coverage of net charge-offs (x) | 19.8966% | 1,038 |
| Efficiency ratio | 76.6680% | 2,937 |
| Assets per employee ($millions) | 2.6125% | 6,834 |
| Cash dividends to net income (ytd only)* | 38.5514% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2720% | 317 |
| Loan loss allowance to noncurrent loans | 104.6296% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 2.7746% | 2,522 |
| Noncurrent loans to loans | 4.0830% | 1,769 |
| Net loans and leases to total assets | 52.6149% | 5,838 |
| Net loans and leases to deposits | 58.1713% | 6,238 |
| Net loans and leases to core deposits | 60.1646% | 6,380 |
| Total domestic deposits to total assets | 90.4482% | 862 |
| Equity capital to assets | 8.6124% | 5,704 |
| Core capital (leverage) ratio | 7.7557% | 6,491 |
| Tier 1 risk-based capital ratio | 13.5522% | 4,162 |
| Total risk-based capital ratio | 14.8332% | 4,112 |
| Memoranda: | ||
| Average total assets | $94,343,000 | 5,150 |
| Average earning assets | $85,526,400 | 5,161 |
| Average equity | $7,913,800 | 5,743 |
| Average total loans | $51,772,400 | 5,412 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 3,157 |
| Cost of funding earning assets | 0.6289% | 7,230 |
| Net interest margin | 4.7127% | 822 |
| Noninterest income to average assets | 0.9467% | 1,627 |
| Noninterest expense to average assets | 3.8315% | 1,318 |
| Loan and lease loss provision to assets | 0.5049% | 2,935 |
| Net operating income to assets | 0.5876% | 3,927 |
| Return on assets (ROA) | 0.5876% | 4,092 |
| Pretax return on assets | 0.8878% | 3,597 |
| Return on Equity (ROE) | 7.0505% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.0505% | 1,817 |
| Net charge-offs to loans | 0.0205% | 6,386 |
| Credit loss provision to net charge-offs | 4,500.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 124.0834% | 259 |
| Efficiency ratio | 73.3423% | 3,454 |
| Assets per employee ($millions) | 2.8381% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9708% | 381 |
| Loan loss allowance to noncurrent loans | 110.6142% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 2.5732% | 2,801 |
| Noncurrent loans to loans | 3.5898% | 2,184 |
| Net loans and leases to total assets | 49.9824% | 6,326 |
| Net loans and leases to deposits | 55.0140% | 6,687 |
| Net loans and leases to core deposits | 56.7268% | 6,816 |
| Total domestic deposits to total assets | 90.8540% | 498 |
| Equity capital to assets | 8.2198% | 6,595 |
| Core capital (leverage) ratio | 8.1780% | 6,076 |
| Tier 1 risk-based capital ratio | 13.4261% | 4,247 |
| Total risk-based capital ratio | 14.7043% | 4,184 |
| Memoranda: | ||
| Average total assets | $95,069,250 | 5,186 |
| Average earning assets | $86,289,500 | 5,196 |
| Average equity | $7,923,500 | 5,815 |
| Average total loans | $52,151,250 | 5,476 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 2,612 |
| Cost of funding earning assets | 0.6621% | 7,271 |
| Net interest margin | 4.8187% | 640 |
| Noninterest income to average assets | 0.9376% | 1,556 |
| Noninterest expense to average assets | 3.9787% | 1,070 |
| Loan and lease loss provision to assets | 0.5126% | 2,752 |
| Net operating income to assets | 0.5425% | 4,130 |
| Return on assets (ROA) | 0.5425% | 4,280 |
| Pretax return on assets | 0.8137% | 3,831 |
| Return on Equity (ROE) | 6.4771% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.4771% | 2,084 |
| Net charge-offs to loans | 0.0229% | 6,015 |
| Credit loss provision to net charge-offs | 4,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 317 |
| Efficiency ratio | 75.0000% | 3,263 |
| Assets per employee ($millions) | 2.7121% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7737% | 444 |
| Loan loss allowance to noncurrent loans | 99.6395% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 2.7390% | 2,642 |
| Noncurrent loans to loans | 3.7873% | 2,038 |
| Net loans and leases to total assets | 51.9795% | 6,212 |
| Net loans and leases to deposits | 57.3099% | 6,630 |
| Net loans and leases to core deposits | 59.1739% | 6,759 |
| Total domestic deposits to total assets | 90.6989% | 600 |
| Equity capital to assets | 8.4088% | 6,287 |
| Core capital (leverage) ratio | 7.9796% | 6,292 |
| Tier 1 risk-based capital ratio | 13.2221% | 4,272 |
| Total risk-based capital ratio | 14.4977% | 4,209 |
| Memoranda: | ||
| Average total assets | $93,648,000 | 5,261 |
| Average earning assets | $84,878,330 | 5,265 |
| Average equity | $7,843,000 | 5,858 |
| Average total loans | $52,301,000 | 5,500 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5166% | 2,507 |
| Cost of funding earning assets | 0.6931% | 7,344 |
| Net interest margin | 4.8235% | 611 |
| Noninterest income to average assets | 0.8300% | 1,884 |
| Noninterest expense to average assets | 3.8921% | 1,181 |
| Loan and lease loss provision to assets | 0.5161% | 2,434 |
| Net operating income to assets | 0.5204% | 4,289 |
| Return on assets (ROA) | 0.5204% | 4,428 |
| Pretax return on assets | 0.7913% | 3,903 |
| Return on Equity (ROE) | 6.2263% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.2263% | 2,513 |
| Net charge-offs to loans | -0.0454% | 7,319 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8553% | 3,432 |
| Assets per employee ($millions) | 2.6719% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5243% | 538 |
| Loan loss allowance to noncurrent loans | 98.3845% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 2.9235% | 2,451 |
| Noncurrent loans to loans | 3.5822% | 2,228 |
| Net loans and leases to total assets | 53.4795% | 6,093 |
| Net loans and leases to deposits | 58.9338% | 6,560 |
| Net loans and leases to core deposits | 60.1501% | 6,734 |
| Total domestic deposits to total assets | 90.7451% | 637 |
| Equity capital to assets | 8.3438% | 6,241 |
| Core capital (leverage) ratio | 7.9510% | 6,311 |
| Tier 1 risk-based capital ratio | 13.1816% | 4,222 |
| Total risk-based capital ratio | 14.4565% | 4,156 |
| Memoranda: | ||
| Average total assets | $93,010,000 | 5,350 |
| Average earning assets | $84,254,500 | 5,353 |
| Average equity | $7,773,500 | 5,921 |
| Average total loans | $52,813,500 | 5,546 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9374% | 2,097 |
| Cost of funding earning assets | 0.9642% | 7,277 |
| Net interest margin | 4.9731% | 477 |
| Noninterest income to average assets | 1.0605% | 1,373 |
| Noninterest expense to average assets | 3.8327% | 1,627 |
| Loan and lease loss provision to assets | 1.5897% | 1,443 |
| Net operating income to assets | 0.0910% | 5,233 |
| Return on assets (ROA) | 0.0910% | 5,273 |
| Pretax return on assets | 0.1375% | 5,143 |
| Return on Equity (ROE) | 1.1240% | 5,197 |
| Retained earnings to average equity (ytd only) | 1.1240% | 4,259 |
| Net charge-offs to loans | 1.5672% | 1,609 |
| Credit loss provision to net charge-offs | 173.5892% | 2,437 |
| Earnings coverage of net charge-offs (x) | 1.8860% | 4,311 |
| Efficiency ratio | 68.9347% | 4,840 |
| Assets per employee ($millions) | 2.6429% | 6,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1625% | 674 |
| Loan loss allowance to noncurrent loans | 95.1875% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 2.7048% | 2,588 |
| Noncurrent loans to loans | 3.3224% | 2,296 |
| Net loans and leases to total assets | 56.3080% | 5,909 |
| Net loans and leases to deposits | 62.0973% | 6,460 |
| Net loans and leases to core deposits | 73.2553% | 6,576 |
| Total domestic deposits to total assets | 90.6770% | 667 |
| Equity capital to assets | 8.3717% | 6,097 |
| Core capital (leverage) ratio | 7.3913% | 6,897 |
| Tier 1 risk-based capital ratio | 12.5442% | 4,486 |
| Total risk-based capital ratio | 13.8148% | 4,411 |
| Memoranda: | ||
| Average total assets | $96,745,200 | 5,177 |
| Average earning assets | $87,530,400 | 5,210 |
| Average equity | $7,829,200 | 5,987 |
| Average total loans | $56,534,400 | 5,397 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9848% | 2,100 |
| Cost of funding earning assets | 1.0027% | 7,380 |
| Net interest margin | 4.9820% | 461 |
| Noninterest income to average assets | 1.0401% | 1,468 |
| Noninterest expense to average assets | 3.7665% | 1,667 |
| Loan and lease loss provision to assets | 1.3768% | 1,396 |
| Net operating income to assets | 0.2658% | 4,927 |
| Return on assets (ROA) | 0.2658% | 5,023 |
| Pretax return on assets | 0.4008% | 4,800 |
| Return on Equity (ROE) | 3.3118% | 4,659 |
| Retained earnings to average equity (ytd only) | 3.3118% | 3,460 |
| Net charge-offs to loans | 2.0644% | 944 |
| Credit loss provision to net charge-offs | 113.9955% | 4,459 |
| Earnings coverage of net charge-offs (x) | 1.4718% | 4,685 |
| Efficiency ratio | 67.9371% | 4,994 |
| Assets per employee ($millions) | 2.8370% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0894% | 1,620 |
| Loan loss allowance to noncurrent loans | 577.8325% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 5,092 |
| Noncurrent loans to loans | 0.3616% | 6,625 |
| Net loans and leases to total assets | 55.3578% | 6,221 |
| Net loans and leases to deposits | 60.8163% | 6,766 |
| Net loans and leases to core deposits | 72.1911% | 6,837 |
| Total domestic deposits to total assets | 91.0246% | 411 |
| Equity capital to assets | 7.9934% | 6,853 |
| Core capital (leverage) ratio | 7.9978% | 6,362 |
| Tier 1 risk-based capital ratio | 11.9247% | 5,041 |
| Total risk-based capital ratio | 13.1820% | 4,970 |
| Memoranda: | ||
| Average total assets | $97,806,000 | 5,180 |
| Average earning assets | $88,422,250 | 5,218 |
| Average equity | $7,850,500 | 6,031 |
| Average total loans | $57,221,250 | 5,416 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0675% | 1,910 |
| Cost of funding earning assets | 1.0777% | 7,420 |
| Net interest margin | 4.9898% | 441 |
| Noninterest income to average assets | 1.0749% | 1,374 |
| Noninterest expense to average assets | 3.7961% | 1,663 |
| Loan and lease loss provision to assets | 1.7470% | 955 |
| Net operating income to assets | 0.0329% | 5,747 |
| Return on assets (ROA) | 0.0329% | 5,837 |
| Pretax return on assets | 0.0329% | 5,810 |
| Return on Equity (ROE) | 0.4091% | 5,810 |
| Retained earnings to average equity (ytd only) | 0.4091% | 5,054 |
| Net charge-offs to loans | 2.9801% | 550 |
| Credit loss provision to net charge-offs | 99.0676% | 4,647 |
| Earnings coverage of net charge-offs (x) | 1.0093% | 4,774 |
| Efficiency ratio | 68.0796% | 5,146 |
| Assets per employee ($millions) | 2.6790% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 1,941 |
| Loan loss allowance to noncurrent loans | 138.6152% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.5688% | 3,875 |
| Noncurrent loans to loans | 1.3282% | 4,557 |
| Net loans and leases to total assets | 59.1933% | 5,807 |
| Net loans and leases to deposits | 65.2642% | 6,455 |
| Net loans and leases to core deposits | 77.7491% | 6,557 |
| Total domestic deposits to total assets | 90.6979% | 558 |
| Equity capital to assets | 8.2868% | 6,354 |
| Core capital (leverage) ratio | 7.6125% | 6,881 |
| Tier 1 risk-based capital ratio | 11.6982% | 5,197 |
| Total risk-based capital ratio | 12.9539% | 5,125 |
| Memoranda: | ||
| Average total assets | $97,310,000 | 5,240 |
| Average earning assets | $87,779,000 | 5,274 |
| Average equity | $7,821,670 | 6,079 |
| Average total loans | $57,581,670 | 5,442 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0133% | 2,305 |
| Cost of funding earning assets | 1.1722% | 7,361 |
| Net interest margin | 4.8411% | 560 |
| Noninterest income to average assets | 1.2273% | 950 |
| Noninterest expense to average assets | 3.9926% | 1,196 |
| Loan and lease loss provision to assets | 0.2422% | 4,040 |
| Net operating income to assets | 0.9124% | 2,647 |
| Return on assets (ROA) | 0.9124% | 2,792 |
| Pretax return on assets | 1.3605% | 2,084 |
| Return on Equity (ROE) | 11.5196% | 1,802 |
| Retained earnings to average equity (ytd only) | 11.5196% | 876 |
| Net charge-offs to loans | 0.0895% | 4,274 |
| Credit loss provision to net charge-offs | 461.5385% | 1,153 |
| Earnings coverage of net charge-offs (x) | 30.5385% | 1,037 |
| Efficiency ratio | 71.3564% | 4,301 |
| Assets per employee ($millions) | 2.7646% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 1,659 |
| Loan loss allowance to noncurrent loans | 152.8591% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 5,310 |
| Noncurrent loans to loans | 1.2326% | 4,504 |
| Net loans and leases to total assets | 58.9835% | 5,809 |
| Net loans and leases to deposits | 64.9931% | 6,464 |
| Net loans and leases to core deposits | 80.7587% | 6,328 |
| Total domestic deposits to total assets | 90.7535% | 495 |
| Equity capital to assets | 8.2017% | 6,536 |
| Core capital (leverage) ratio | 7.7040% | 6,881 |
| Tier 1 risk-based capital ratio | 12.0047% | 4,965 |
| Total risk-based capital ratio | 13.2605% | 4,840 |
| Memoranda: | ||
| Average total assets | $99,083,000 | 5,205 |
| Average earning assets | $89,401,500 | 5,243 |
| Average equity | $7,847,500 | 6,109 |
| Average total loans | $58,101,000 | 5,445 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5077% | 2,921 |
| Cost of funding earning assets | 1.8238% | 6,945 |
| Net interest margin | 4.6839% | 1,000 |
| Noninterest income to average assets | 0.8095% | 2,465 |
| Noninterest expense to average assets | 3.8629% | 1,637 |
| Loan and lease loss provision to assets | 0.2778% | 4,169 |
| Net operating income to assets | 0.5799% | 4,394 |
| Return on assets (ROA) | 0.6002% | 4,168 |
| Pretax return on assets | 0.9057% | 3,702 |
| Return on Equity (ROE) | 8.3260% | 2,930 |
| Retained earnings to average equity (ytd only) | 5.2984% | 1,860 |
| Net charge-offs to loans | 0.1728% | 4,472 |
| Credit loss provision to net charge-offs | 285.7143% | 1,588 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 2,320 |
| Efficiency ratio | 77.0174% | 3,076 |
| Assets per employee ($millions) | 2.8973% | 6,318 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 1,619 |
| Loan loss allowance to noncurrent loans | 142.1409% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 5,046 |
| Noncurrent loans to loans | 1.2717% | 3,967 |
| Net loans and leases to total assets | 56.1945% | 6,412 |
| Net loans and leases to deposits | 61.4820% | 6,992 |
| Net loans and leases to core deposits | 83.2272% | 6,360 |
| Total domestic deposits to total assets | 91.3998% | 222 |
| Equity capital to assets | 7.6515% | 7,257 |
| Core capital (leverage) ratio | 7.2950% | 7,423 |
| Tier 1 risk-based capital ratio | 11.3856% | 5,346 |
| Total risk-based capital ratio | 12.6402% | 5,244 |
| Memoranda: | ||
| Average total assets | $100,804,600 | 5,022 |
| Average earning assets | $90,523,000 | 5,063 |
| Average equity | $7,266,400 | 6,363 |
| Average total loans | $56,726,000 | 5,419 |