Home > The Litchfield National Bank > Performance and Condition Ratios
The Litchfield National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 4,006 |
| Cost of funding earning assets | 1.1295% | 2,988 |
| Net interest margin | 2.8407% | 3,586 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.8088% | 1,473 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.2809% | 4,056 |
| Return on assets (ROA) | 0.2809% | 4,054 |
| Pretax return on assets | 0.3170% | 4,075 |
| Return on Equity (ROE) | 5.1200% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.4222% | 2,822 |
| Net charge-offs to loans | 0.1207% | 807 |
| Credit loss provision to net charge-offs | 187.5000% | 1,272 |
| Earnings coverage of net charge-offs (x) | 6.1771% | 2,488 |
| Efficiency ratio | 86.0569% | 560 |
| Assets per employee ($millions) | 4.5935% | 3,893 |
| Cash dividends to net income (ytd only)* | 13.6612% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 2,900 |
| Loan loss allowance to noncurrent loans | 62.3734% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2735% | 333 |
| Noncurrent loans to loans | 1.7453% | 353 |
| Net loans and leases to total assets | 60.9000% | 2,761 |
| Net loans and leases to deposits | 68.2280% | 3,014 |
| Net loans and leases to core deposits | 75.5620% | 3,005 |
| Total domestic deposits to total assets | 89.2500% | 988 |
| Equity capital to assets | 6.2628% | 4,176 |
| Core capital (leverage) ratio | 8.4232% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4002% | 1,417 |
| Memoranda: | ||
| Average total assets | $130,303,000 | 3,551 |
| Average earning assets | $123,948,600 | 3,505 |
| Average equity | $7,145,800 | 4,027 |
| Average total loans | $79,520,200 | 3,417 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8914% | 4,007 |
| Cost of funding earning assets | 0.9903% | 3,064 |
| Net interest margin | 2.9011% | 3,542 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.8436% | 1,333 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.2886% | 4,123 |
| Return on assets (ROA) | 0.2886% | 4,130 |
| Pretax return on assets | 0.2948% | 4,173 |
| Return on Equity (ROE) | 5.4500% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.4903% | 3,112 |
| Net charge-offs to loans | 0.1507% | 557 |
| Credit loss provision to net charge-offs | 183.3333% | 1,180 |
| Earnings coverage of net charge-offs (x) | 5.0444% | 2,364 |
| Efficiency ratio | 85.9963% | 519 |
| Assets per employee ($millions) | 4.3050% | 4,044 |
| Cash dividends to net income (ytd only)* | 17.6678% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,000 |
| Loan loss allowance to noncurrent loans | 59.8177% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1568% | 396 |
| Noncurrent loans to loans | 1.7959% | 361 |
| Net loans and leases to total assets | 60.8200% | 2,769 |
| Net loans and leases to deposits | 69.1708% | 2,895 |
| Net loans and leases to core deposits | 76.3387% | 2,844 |
| Total domestic deposits to total assets | 87.9300% | 1,599 |
| Equity capital to assets | 5.4247% | 4,160 |
| Core capital (leverage) ratio | 8.3455% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1741% | 1,513 |
| Memoranda: | ||
| Average total assets | $130,724,500 | 3,554 |
| Average earning assets | $124,271,500 | 3,506 |
| Average equity | $6,918,500 | 4,054 |
| Average total loans | $79,604,000 | 3,420 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 3,988 |
| Cost of funding earning assets | 0.8681% | 3,033 |
| Net interest margin | 2.9568% | 3,551 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.7871% | 1,443 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.3870% | 4,025 |
| Return on assets (ROA) | 0.3870% | 4,038 |
| Pretax return on assets | 0.3962% | 4,124 |
| Return on Equity (ROE) | 7.3700% | 3,395 |
| Retained earnings to average equity (ytd only) | 5.9222% | 2,654 |
| Net charge-offs to loans | 0.1280% | 577 |
| Credit loss provision to net charge-offs | 294.1176% | 875 |
| Earnings coverage of net charge-offs (x) | 8.0392% | 2,065 |
| Efficiency ratio | 81.6883% | 729 |
| Assets per employee ($millions) | 4.3654% | 4,025 |
| Cash dividends to net income (ytd only)* | 19.6850% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 2,887 |
| Loan loss allowance to noncurrent loans | 56.4713% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 346 |
| Noncurrent loans to loans | 1.9727% | 285 |
| Net loans and leases to total assets | 59.4400% | 2,826 |
| Net loans and leases to deposits | 67.3289% | 2,963 |
| Net loans and leases to core deposits | 73.0332% | 2,958 |
| Total domestic deposits to total assets | 88.2900% | 1,500 |
| Equity capital to assets | 5.6513% | 4,251 |
| Core capital (leverage) ratio | 8.3515% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1560% | 1,524 |
| Memoranda: | ||
| Average total assets | $131,249,667 | 3,557 |
| Average earning assets | $124,865,667 | 3,509 |
| Average equity | $6,889,333 | 4,089 |
| Average total loans | $79,670,667 | 3,419 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 3,922 |
| Cost of funding earning assets | 0.7712% | 2,834 |
| Net interest margin | 2.9890% | 3,629 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.9772% | 1,098 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | -0.1035% | 4,534 |
| Return on assets (ROA) | -0.1035% | 4,518 |
| Pretax return on assets | -0.1035% | 4,506 |
| Return on Equity (ROE) | -2.0500% | 4,509 |
| Retained earnings to average equity (ytd only) | -5.0625% | 4,332 |
| Net charge-offs to loans | 0.0549% | 818 |
| Credit loss provision to net charge-offs | 1,227.2727% | 324 |
| Earnings coverage of net charge-offs (x) | 9.1818% | 1,695 |
| Efficiency ratio | 90.6395% | 337 |
| Assets per employee ($millions) | 4.3779% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,791 |
| Loan loss allowance to noncurrent loans | 59.5380% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1535% | 321 |
| Noncurrent loans to loans | 1.9418% | 295 |
| Net loans and leases to total assets | 58.7200% | 2,798 |
| Net loans and leases to deposits | 62.4025% | 3,201 |
| Net loans and leases to core deposits | 69.3841% | 2,994 |
| Total domestic deposits to total assets | 94.0900% | 162 |
| Equity capital to assets | 5.2750% | 4,378 |
| Core capital (leverage) ratio | 8.0138% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7643% | 1,699 |
| Memoranda: | ||
| Average total assets | $131,397,000 | 3,602 |
| Average earning assets | $124,992,000 | 3,550 |
| Average equity | $6,637,000 | 4,167 |
| Average total loans | $80,143,000 | 3,449 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 3,013 |
| Cost of funding earning assets | 0.3372% | 2,572 |
| Net interest margin | 3.1885% | 2,904 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.8543% | 1,216 |
| Loan and lease loss provision to assets | 0.3600% | 200 |
| Net operating income to assets | 0.2342% | 4,427 |
| Return on assets (ROA) | 0.2342% | 4,403 |
| Pretax return on assets | 0.2737% | 4,389 |
| Return on Equity (ROE) | 3.8900% | 4,176 |
| Retained earnings to average equity (ytd only) | 1.2701% | 4,145 |
| Net charge-offs to loans | 0.4674% | 163 |
| Credit loss provision to net charge-offs | 123.2432% | 1,443 |
| Earnings coverage of net charge-offs (x) | 2.1703% | 2,517 |
| Efficiency ratio | 81.8408% | 604 |
| Assets per employee ($millions) | 4.5330% | 4,010 |
| Cash dividends to net income (ytd only)* | 67.3401% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 3,615 |
| Loan loss allowance to noncurrent loans | 47.0944% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2567% | 294 |
| Noncurrent loans to loans | 2.0081% | 281 |
| Net loans and leases to total assets | 61.9900% | 2,443 |
| Net loans and leases to deposits | 68.7862% | 2,679 |
| Net loans and leases to core deposits | 75.8157% | 2,433 |
| Total domestic deposits to total assets | 90.1200% | 1,307 |
| Equity capital to assets | 4.8274% | 4,402 |
| Core capital (leverage) ratio | 7.8216% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5412% | 2,153 |
| Memoranda: | ||
| Average total assets | $126,789,200 | 3,665 |
| Average earning assets | $120,716,000 | 3,615 |
| Average equity | $7,637,000 | 4,134 |
| Average total loans | $79,156,600 | 3,425 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 2,844 |
| Cost of funding earning assets | 0.2273% | 2,955 |
| Net interest margin | 3.1986% | 2,629 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.8561% | 1,133 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.4543% | 4,163 |
| Return on assets (ROA) | 0.4543% | 4,108 |
| Pretax return on assets | 0.5625% | 4,050 |
| Return on Equity (ROE) | 7.1700% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.0754% | 3,075 |
| Net charge-offs to loans | -0.0085% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.8929% | 657 |
| Assets per employee ($millions) | 4.1154% | 4,267 |
| Cash dividends to net income (ytd only)* | 29.2056% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 3,684 |
| Loan loss allowance to noncurrent loans | 42.4986% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.4054% | 257 |
| Noncurrent loans to loans | 2.2399% | 255 |
| Net loans and leases to total assets | 62.1500% | 2,268 |
| Net loans and leases to deposits | 70.0437% | 2,356 |
| Net loans and leases to core deposits | 76.3121% | 2,172 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 5.0432% | 4,280 |
| Core capital (leverage) ratio | 8.1267% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0147% | 2,050 |
| Memoranda: | ||
| Average total assets | $125,622,250 | 3,704 |
| Average earning assets | $119,675,250 | 3,652 |
| Average equity | $7,959,750 | 4,140 |
| Average total loans | $78,379,000 | 3,450 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 2,670 |
| Cost of funding earning assets | 0.1694% | 3,325 |
| Net interest margin | 3.1516% | 2,358 |
| Noninterest income to average assets | 0.5057% | 2,171 |
| Noninterest expense to average assets | 2.7991% | 1,174 |
| Loan and lease loss provision to assets | 0.0800% | 1,218 |
| Net operating income to assets | 0.5089% | 3,869 |
| Return on assets (ROA) | 0.5089% | 3,825 |
| Pretax return on assets | 0.6337% | 3,742 |
| Return on Equity (ROE) | 7.5103% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.3295% | 2,226 |
| Net charge-offs to loans | 0.1002% | 584 |
| Credit loss provision to net charge-offs | 128.2051% | 1,163 |
| Earnings coverage of net charge-offs (x) | 11.4359% | 1,731 |
| Efficiency ratio | 79.6811% | 969 |
| Assets per employee ($millions) | 3.9970% | 4,369 |
| Cash dividends to net income (ytd only)* | 15.7233% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 3,940 |
| Loan loss allowance to noncurrent loans | 40.0798% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 245 |
| Noncurrent loans to loans | 2.2568% | 275 |
| Net loans and leases to total assets | 62.1579% | 2,112 |
| Net loans and leases to deposits | 68.0317% | 2,390 |
| Net loans and leases to core deposits | 73.5031% | 2,208 |
| Total domestic deposits to total assets | 91.3661% | 1,077 |
| Equity capital to assets | 5.6292% | 4,321 |
| Core capital (leverage) ratio | 8.0931% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1719% | 1,986 |
| Memoranda: | ||
| Average total assets | $124,970,667 | 3,756 |
| Average earning assets | $119,239,333 | 3,709 |
| Average equity | $8,468,333 | 4,155 |
| Average total loans | $77,822,667 | 3,488 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2709% | 2,473 |
| Cost of funding earning assets | 0.1402% | 3,628 |
| Net interest margin | 3.1307% | 2,082 |
| Noninterest income to average assets | 0.5227% | 2,026 |
| Noninterest expense to average assets | 2.8175% | 1,130 |
| Loan and lease loss provision to assets | 0.0478% | 1,512 |
| Net operating income to assets | 0.5291% | 3,627 |
| Return on assets (ROA) | 0.5291% | 3,596 |
| Pretax return on assets | 0.6470% | 3,520 |
| Return on Equity (ROE) | 7.2056% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.2056% | 1,829 |
| Net charge-offs to loans | 0.0822% | 591 |
| Credit loss provision to net charge-offs | 93.7500% | 1,067 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 1,387 |
| Efficiency ratio | 80.2178% | 1,136 |
| Assets per employee ($millions) | 4.5939% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 4,050 |
| Loan loss allowance to noncurrent loans | 40.3981% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 289 |
| Noncurrent loans to loans | 2.2200% | 302 |
| Net loans and leases to total assets | 59.2759% | 2,155 |
| Net loans and leases to deposits | 66.6772% | 2,277 |
| Net loans and leases to core deposits | 70.2100% | 2,279 |
| Total domestic deposits to total assets | 88.8999% | 2,123 |
| Equity capital to assets | 6.6913% | 4,346 |
| Core capital (leverage) ratio | 8.1901% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2384% | 2,098 |
| Memoranda: | ||
| Average total assets | $125,502,500 | 3,768 |
| Average earning assets | $119,846,500 | 3,716 |
| Average equity | $9,215,000 | 4,142 |
| Average total loans | $77,873,500 | 3,496 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4335% | 2,842 |
| Cost of funding earning assets | 0.2460% | 2,975 |
| Net interest margin | 3.1875% | 2,635 |
| Noninterest income to average assets | 0.5290% | 2,449 |
| Noninterest expense to average assets | 2.7534% | 1,475 |
| Loan and lease loss provision to assets | 0.0601% | 1,853 |
| Net operating income to assets | 0.5892% | 3,899 |
| Return on assets (ROA) | 0.5892% | 3,942 |
| Pretax return on assets | 0.7695% | 3,788 |
| Return on Equity (ROE) | 7.5912% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.5584% | 2,101 |
| Net charge-offs to loans | 0.0120% | 2,115 |
| Credit loss provision to net charge-offs | 833.3333% | 590 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 811 |
| Efficiency ratio | 76.8456% | 1,042 |
| Assets per employee ($millions) | 4.0792% | 4,395 |
| Cash dividends to net income (ytd only)* | 13.6054% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,119 |
| Loan loss allowance to noncurrent loans | 53.3128% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 478 |
| Noncurrent loans to loans | 1.6470% | 523 |
| Net loans and leases to total assets | 63.8352% | 1,723 |
| Net loans and leases to deposits | 73.0023% | 1,813 |
| Net loans and leases to core deposits | 76.4060% | 1,885 |
| Total domestic deposits to total assets | 87.4428% | 2,318 |
| Equity capital to assets | 8.0269% | 4,347 |
| Core capital (leverage) ratio | 8.3123% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9574% | 2,263 |
| Memoranda: | ||
| Average total assets | $124,753,800 | 3,748 |
| Average earning assets | $119,527,800 | 3,693 |
| Average equity | $9,682,200 | 4,170 |
| Average total loans | $75,222,800 | 3,553 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 2,926 |
| Cost of funding earning assets | 0.2643% | 2,968 |
| Net interest margin | 3.2047% | 2,714 |
| Noninterest income to average assets | 0.5286% | 2,506 |
| Noninterest expense to average assets | 2.8698% | 1,193 |
| Loan and lease loss provision to assets | 0.0479% | 2,041 |
| Net operating income to assets | 0.5361% | 4,128 |
| Return on assets (ROA) | 0.5361% | 4,173 |
| Pretax return on assets | 0.6808% | 4,100 |
| Return on Equity (ROE) | 6.9657% | 3,676 |
| Retained earnings to average equity (ytd only) | 5.5836% | 3,006 |
| Net charge-offs to loans | -0.0305% | 4,138 |
| Credit loss provision to net charge-offs | -264.7059% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7517% | 761 |
| Assets per employee ($millions) | 3.7658% | 4,556 |
| Cash dividends to net income (ytd only)* | 19.8413% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,202 |
| Loan loss allowance to noncurrent loans | 53.2508% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 591 |
| Noncurrent loans to loans | 1.6555% | 612 |
| Net loans and leases to total assets | 64.1921% | 1,746 |
| Net loans and leases to deposits | 73.4592% | 1,908 |
| Net loans and leases to core deposits | 76.6929% | 1,987 |
| Total domestic deposits to total assets | 87.3847% | 2,168 |
| Equity capital to assets | 8.0794% | 4,476 |
| Core capital (leverage) ratio | 8.1766% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2748% | 2,266 |
| Memoranda: | ||
| Average total assets | $125,348,250 | 3,776 |
| Average earning assets | $120,069,250 | 3,722 |
| Average equity | $9,647,000 | 4,232 |
| Average total loans | $74,325,750 | 3,624 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 2,744 |
| Cost of funding earning assets | 0.2893% | 2,880 |
| Net interest margin | 3.2708% | 2,549 |
| Noninterest income to average assets | 0.5309% | 2,487 |
| Noninterest expense to average assets | 2.7725% | 1,414 |
| Loan and lease loss provision to assets | 0.0473% | 2,078 |
| Net operating income to assets | 0.6506% | 3,873 |
| Return on assets (ROA) | 0.6506% | 3,935 |
| Pretax return on assets | 0.8459% | 3,778 |
| Return on Equity (ROE) | 8.5887% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.5091% | 2,621 |
| Net charge-offs to loans | -0.0082% | 3,602 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6339% | 1,116 |
| Assets per employee ($millions) | 3.8517% | 4,526 |
| Cash dividends to net income (ytd only)* | 24.2131% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 4,168 |
| Loan loss allowance to noncurrent loans | 52.2187% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.0239% | 728 |
| Noncurrent loans to loans | 1.7130% | 613 |
| Net loans and leases to total assets | 59.2375% | 2,517 |
| Net loans and leases to deposits | 67.7235% | 2,644 |
| Net loans and leases to core deposits | 70.6344% | 2,720 |
| Total domestic deposits to total assets | 87.4697% | 2,109 |
| Equity capital to assets | 7.8887% | 4,583 |
| Core capital (leverage) ratio | 7.7288% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9881% | 1,979 |
| Memoranda: | ||
| Average total assets | $126,963,000 | 3,764 |
| Average earning assets | $121,683,000 | 3,713 |
| Average equity | $9,617,333 | 4,247 |
| Average total loans | $73,087,000 | 3,670 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5227% | 2,852 |
| Cost of funding earning assets | 0.3406% | 2,610 |
| Net interest margin | 3.1821% | 2,755 |
| Noninterest income to average assets | 0.5155% | 2,542 |
| Noninterest expense to average assets | 2.7884% | 1,392 |
| Loan and lease loss provision to assets | 0.0466% | 2,150 |
| Net operating income to assets | 0.5620% | 4,037 |
| Return on assets (ROA) | 0.5620% | 4,084 |
| Pretax return on assets | 0.7266% | 3,967 |
| Return on Equity (ROE) | 7.5697% | 3,458 |
| Retained earnings to average equity (ytd only) | 3.3875% | 3,664 |
| Net charge-offs to loans | -0.0055% | 3,428 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2912% | 934 |
| Assets per employee ($millions) | 4.1347% | 4,393 |
| Cash dividends to net income (ytd only)* | 55.2486% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,182 |
| Loan loss allowance to noncurrent loans | 45.3070% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 690 |
| Noncurrent loans to loans | 1.9631% | 557 |
| Net loans and leases to total assets | 54.0688% | 3,233 |
| Net loans and leases to deposits | 60.5462% | 3,442 |
| Net loans and leases to core deposits | 64.1059% | 3,404 |
| Total domestic deposits to total assets | 89.3017% | 1,172 |
| Equity capital to assets | 7.1287% | 4,814 |
| Core capital (leverage) ratio | 7.6483% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,818,000 | 3,751 |
| Average earning assets | $123,315,500 | 3,703 |
| Average equity | $9,564,500 | 4,262 |
| Average total loans | $72,795,000 | 3,690 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 3,624 |
| Cost of funding earning assets | 0.5376% | 2,702 |
| Net interest margin | 3.1445% | 3,507 |
| Noninterest income to average assets | 0.5797% | 2,308 |
| Noninterest expense to average assets | 2.9002% | 1,682 |
| Loan and lease loss provision to assets | 0.0978% | 3,114 |
| Net operating income to assets | 0.4729% | 4,085 |
| Return on assets (ROA) | 0.5763% | 3,932 |
| Pretax return on assets | 0.7191% | 3,848 |
| Return on Equity (ROE) | 7.0265% | 3,198 |
| Retained earnings to average equity (ytd only) | 1.8447% | 3,893 |
| Net charge-offs to loans | 0.0959% | 1,505 |
| Credit loss provision to net charge-offs | 176.9231% | 2,281 |
| Earnings coverage of net charge-offs (x) | 12.4462% | 2,335 |
| Efficiency ratio | 80.8339% | 829 |
| Assets per employee ($millions) | 3.9164% | 4,435 |
| Cash dividends to net income (ytd only)* | 73.7463% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 4,316 |
| Loan loss allowance to noncurrent loans | 44.6824% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.2097% | 715 |
| Noncurrent loans to loans | 1.9085% | 624 |
| Net loans and leases to total assets | 58.0754% | 3,078 |
| Net loans and leases to deposits | 67.8553% | 3,094 |
| Net loans and leases to core deposits | 71.9150% | 3,081 |
| Total domestic deposits to total assets | 85.5871% | 2,536 |
| Equity capital to assets | 7.7375% | 4,791 |
| Core capital (leverage) ratio | 7.7930% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,646,400 | 3,772 |
| Average earning assets | $112,545,400 | 3,728 |
| Average equity | $9,649,200 | 4,231 |
| Average total loans | $67,802,800 | 3,778 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 3,573 |
| Cost of funding earning assets | 0.5762% | 2,762 |
| Net interest margin | 3.2223% | 3,421 |
| Noninterest income to average assets | 0.6417% | 2,016 |
| Noninterest expense to average assets | 2.9851% | 1,473 |
| Loan and lease loss provision to assets | 0.1097% | 2,950 |
| Net operating income to assets | 0.4978% | 4,044 |
| Return on assets (ROA) | 0.6325% | 3,775 |
| Pretax return on assets | 0.7973% | 3,655 |
| Return on Equity (ROE) | 7.5953% | 2,966 |
| Retained earnings to average equity (ytd only) | 2.0614% | 3,914 |
| Net charge-offs to loans | 0.1305% | 1,100 |
| Credit loss provision to net charge-offs | 146.1538% | 2,348 |
| Earnings coverage of net charge-offs (x) | 9.8308% | 2,401 |
| Efficiency ratio | 80.2167% | 855 |
| Assets per employee ($millions) | 3.8614% | 4,432 |
| Cash dividends to net income (ytd only)* | 72.8597% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,283 |
| Loan loss allowance to noncurrent loans | 37.9937% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.3839% | 653 |
| Noncurrent loans to loans | 2.1873% | 537 |
| Net loans and leases to total assets | 58.5243% | 3,371 |
| Net loans and leases to deposits | 68.4814% | 3,435 |
| Net loans and leases to core deposits | 72.8204% | 3,408 |
| Total domestic deposits to total assets | 85.4602% | 2,265 |
| Equity capital to assets | 7.8219% | 4,770 |
| Core capital (leverage) ratio | 8.0411% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,726,750 | 3,792 |
| Average earning assets | $110,600,250 | 3,743 |
| Average equity | $9,637,250 | 4,249 |
| Average total loans | $66,401,250 | 3,822 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,176 |
| Cost of funding earning assets | 0.6331% | 2,794 |
| Net interest margin | 3.4221% | 3,029 |
| Noninterest income to average assets | 0.6295% | 2,015 |
| Noninterest expense to average assets | 3.1331% | 1,279 |
| Loan and lease loss provision to assets | 0.0354% | 3,824 |
| Net operating income to assets | 0.5761% | 3,815 |
| Return on assets (ROA) | 0.7744% | 3,251 |
| Pretax return on assets | 0.9901% | 3,064 |
| Return on Equity (ROE) | 9.0985% | 2,319 |
| Retained earnings to average equity (ytd only) | 2.8666% | 3,441 |
| Net charge-offs to loans | 0.0311% | 2,101 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 43.8000% | 1,183 |
| Efficiency ratio | 80.1810% | 880 |
| Assets per employee ($millions) | 3.6694% | 4,572 |
| Cash dividends to net income (ytd only)* | 68.4932% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 4,078 |
| Loan loss allowance to noncurrent loans | 30.0051% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.6632% | 516 |
| Noncurrent loans to loans | 2.9364% | 336 |
| Net loans and leases to total assets | 56.1433% | 3,671 |
| Net loans and leases to deposits | 66.4088% | 3,687 |
| Net loans and leases to core deposits | 70.9234% | 3,648 |
| Total domestic deposits to total assets | 84.5419% | 2,547 |
| Equity capital to assets | 8.2311% | 4,622 |
| Core capital (leverage) ratio | 8.2901% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,114,333 | 3,814 |
| Average earning assets | $108,353,333 | 3,766 |
| Average equity | $9,628,000 | 4,261 |
| Average total loans | $64,228,000 | 3,870 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 3,868 |
| Cost of funding earning assets | 0.7085% | 2,900 |
| Net interest margin | 3.2635% | 3,680 |
| Noninterest income to average assets | 0.4686% | 2,707 |
| Noninterest expense to average assets | 3.1362% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3547% | 4,234 |
| Return on assets (ROA) | 0.7534% | 3,160 |
| Pretax return on assets | 0.9589% | 2,967 |
| Return on Equity (ROE) | 8.6997% | 2,238 |
| Retained earnings to average equity (ytd only) | 4.5372% | 2,487 |
| Net charge-offs to loans | 0.1331% | 929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,011 |
| Efficiency ratio | 87.3494% | 616 |
| Assets per employee ($millions) | 3.4943% | 4,485 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,167 |
| Loan loss allowance to noncurrent loans | 31.0750% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.5973% | 645 |
| Noncurrent loans to loans | 2.8511% | 391 |
| Net loans and leases to total assets | 55.5255% | 3,870 |
| Net loans and leases to deposits | 63.5499% | 4,006 |
| Net loans and leases to core deposits | 68.1159% | 3,981 |
| Total domestic deposits to total assets | 87.3731% | 1,391 |
| Equity capital to assets | 8.6427% | 4,775 |
| Core capital (leverage) ratio | 8.6338% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0246% | 1,597 |
| Memoranda: | ||
| Average total assets | $110,961,000 | 3,832 |
| Average earning assets | $106,144,000 | 3,785 |
| Average equity | $9,609,500 | 4,282 |
| Average total loans | $63,087,000 | 3,905 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 3,272 |
| Cost of funding earning assets | 0.7871% | 2,739 |
| Net interest margin | 3.6062% | 3,118 |
| Noninterest income to average assets | 0.5447% | 2,515 |
| Noninterest expense to average assets | 2.9018% | 2,287 |
| Loan and lease loss provision to assets | 0.0332% | 3,351 |
| Net operating income to assets | 0.7804% | 3,612 |
| Return on assets (ROA) | 0.8185% | 3,587 |
| Pretax return on assets | 1.0828% | 3,227 |
| Return on Equity (ROE) | 9.4155% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.4923% | 2,166 |
| Net charge-offs to loans | 0.0720% | 2,068 |
| Credit loss provision to net charge-offs | 76.0870% | 2,841 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,770 |
| Efficiency ratio | 73.1026% | 1,714 |
| Assets per employee ($millions) | 3.4408% | 4,531 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 3,931 |
| Loan loss allowance to noncurrent loans | 35.3158% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 689 |
| Noncurrent loans to loans | 2.5672% | 413 |
| Net loans and leases to total assets | 57.1781% | 3,832 |
| Net loans and leases to deposits | 64.7715% | 4,022 |
| Net loans and leases to core deposits | 71.7472% | 3,872 |
| Total domestic deposits to total assets | 88.2766% | 993 |
| Equity capital to assets | 8.6781% | 4,838 |
| Core capital (leverage) ratio | 8.8629% | 4,629 |
| Tier 1 risk-based capital ratio | 14.4652% | 3,037 |
| Total risk-based capital ratio | 15.3831% | 3,114 |
| Memoranda: | ||
| Average total assets | $105,555,000 | 3,907 |
| Average earning assets | $100,242,800 | 3,867 |
| Average equity | $9,176,400 | 4,347 |
| Average total loans | $63,850,000 | 3,913 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 3,284 |
| Cost of funding earning assets | 0.7854% | 2,786 |
| Net interest margin | 3.6348% | 3,157 |
| Noninterest income to average assets | 0.5567% | 2,425 |
| Noninterest expense to average assets | 2.9075% | 2,239 |
| Loan and lease loss provision to assets | 0.0447% | 3,014 |
| Net operating income to assets | 0.7990% | 3,676 |
| Return on assets (ROA) | 0.8364% | 3,639 |
| Pretax return on assets | 1.0968% | 3,302 |
| Return on Equity (ROE) | 9.6161% | 2,615 |
| Retained earnings to average equity (ytd only) | 5.6522% | 2,534 |
| Net charge-offs to loans | 0.1126% | 1,350 |
| Credit loss provision to net charge-offs | 64.8148% | 2,671 |
| Earnings coverage of net charge-offs (x) | 15.8700% | 2,164 |
| Efficiency ratio | 72.6548% | 1,745 |
| Assets per employee ($millions) | 3.4614% | 4,539 |
| Cash dividends to net income (ytd only)* | 41.2213% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,122 |
| Loan loss allowance to noncurrent loans | 36.1959% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.5480% | 700 |
| Noncurrent loans to loans | 2.4365% | 486 |
| Net loans and leases to total assets | 59.5976% | 3,711 |
| Net loans and leases to deposits | 65.7219% | 4,082 |
| Net loans and leases to core deposits | 72.5624% | 3,911 |
| Total domestic deposits to total assets | 90.6815% | 140 |
| Equity capital to assets | 8.8208% | 4,867 |
| Core capital (leverage) ratio | 9.0696% | 4,582 |
| Tier 1 risk-based capital ratio | 14.1155% | 3,276 |
| Total risk-based capital ratio | 15.0119% | 3,353 |
| Memoranda: | ||
| Average total assets | $104,417,500 | 3,971 |
| Average earning assets | $98,967,750 | 3,928 |
| Average equity | $9,081,750 | 4,409 |
| Average total loans | $63,929,500 | 3,952 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 3,185 |
| Cost of funding earning assets | 0.7843% | 2,717 |
| Net interest margin | 3.6643% | 3,051 |
| Noninterest income to average assets | 0.5200% | 2,567 |
| Noninterest expense to average assets | 3.0564% | 1,845 |
| Loan and lease loss provision to assets | 0.0677% | 2,462 |
| Net operating income to assets | 0.6818% | 4,065 |
| Return on assets (ROA) | 0.6940% | 4,084 |
| Pretax return on assets | 0.8796% | 3,907 |
| Return on Equity (ROE) | 8.0188% | 3,284 |
| Retained earnings to average equity (ytd only) | 3.9982% | 3,250 |
| Net charge-offs to loans | 0.2322% | 728 |
| Credit loss provision to net charge-offs | 47.2973% | 2,490 |
| Earnings coverage of net charge-offs (x) | 6.5135% | 2,563 |
| Efficiency ratio | 76.6360% | 1,316 |
| Assets per employee ($millions) | 3.4304% | 4,576 |
| Cash dividends to net income (ytd only)* | 50.1393% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 4,225 |
| Loan loss allowance to noncurrent loans | 63.7209% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 1,507 |
| Noncurrent loans to loans | 1.3540% | 1,148 |
| Net loans and leases to total assets | 61.1847% | 3,632 |
| Net loans and leases to deposits | 67.7421% | 3,984 |
| Net loans and leases to core deposits | 75.1629% | 3,803 |
| Total domestic deposits to total assets | 90.3200% | 234 |
| Equity capital to assets | 8.9775% | 4,810 |
| Core capital (leverage) ratio | 8.8796% | 4,733 |
| Tier 1 risk-based capital ratio | 14.1851% | 3,227 |
| Total risk-based capital ratio | 15.0738% | 3,310 |
| Memoranda: | ||
| Average total assets | $103,455,670 | 4,010 |
| Average earning assets | $97,917,670 | 3,967 |
| Average equity | $8,954,000 | 4,447 |
| Average total loans | $63,733,000 | 3,976 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 3,248 |
| Cost of funding earning assets | 0.7604% | 2,733 |
| Net interest margin | 3.6344% | 3,121 |
| Noninterest income to average assets | 0.4936% | 2,597 |
| Noninterest expense to average assets | 3.0156% | 1,952 |
| Loan and lease loss provision to assets | 0.0386% | 2,858 |
| Net operating income to assets | 0.6787% | 4,009 |
| Return on assets (ROA) | 0.6787% | 4,046 |
| Pretax return on assets | 0.8677% | 3,870 |
| Return on Equity (ROE) | 7.9896% | 3,269 |
| Retained earnings to average equity (ytd only) | 3.9040% | 3,346 |
| Net charge-offs to loans | 0.3822% | 408 |
| Credit loss provision to net charge-offs | 16.3934% | 2,158 |
| Earnings coverage of net charge-offs (x) | 3.8525% | 2,370 |
| Efficiency ratio | 76.8928% | 1,390 |
| Assets per employee ($millions) | 3.5365% | 4,528 |
| Cash dividends to net income (ytd only)* | 51.1364% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 4,386 |
| Loan loss allowance to noncurrent loans | 64.7343% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 1,642 |
| Noncurrent loans to loans | 1.2993% | 1,263 |
| Net loans and leases to total assets | 59.5627% | 3,749 |
| Net loans and leases to deposits | 65.4938% | 4,095 |
| Net loans and leases to core deposits | 72.7720% | 3,888 |
| Total domestic deposits to total assets | 90.9440% | 185 |
| Equity capital to assets | 8.4632% | 5,011 |
| Core capital (leverage) ratio | 8.7679% | 4,816 |
| Tier 1 risk-based capital ratio | 13.7666% | 3,465 |
| Total risk-based capital ratio | 14.6196% | 3,592 |
| Memoranda: | ||
| Average total assets | $103,727,000 | 4,043 |
| Average earning assets | $97,844,000 | 4,009 |
| Average equity | $8,811,500 | 4,496 |
| Average total loans | $63,842,000 | 4,013 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 2,710 |
| Cost of funding earning assets | 0.7135% | 2,002 |
| Net interest margin | 3.7028% | 3,022 |
| Noninterest income to average assets | 0.5242% | 2,693 |
| Noninterest expense to average assets | 3.1723% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7211% | 4,073 |
| Return on assets (ROA) | 0.7211% | 4,078 |
| Pretax return on assets | 0.8592% | 4,010 |
| Return on Equity (ROE) | 8.8092% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.0355% | 2,746 |
| Net charge-offs to loans | 0.2034% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 6.3121% | 3,100 |
| Efficiency ratio | 78.6877% | 1,065 |
| Assets per employee ($millions) | 3.0715% | 4,949 |
| Cash dividends to net income (ytd only)* | 42.8380% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,094 |
| Loan loss allowance to noncurrent loans | 50.7347% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 1,161 |
| Noncurrent loans to loans | 1.8091% | 783 |
| Net loans and leases to total assets | 62.5184% | 3,516 |
| Net loans and leases to deposits | 68.7385% | 3,921 |
| Net loans and leases to core deposits | 76.2248% | 3,698 |
| Total domestic deposits to total assets | 90.9510% | 216 |
| Equity capital to assets | 8.5281% | 4,914 |
| Core capital (leverage) ratio | 8.8587% | 4,764 |
| Tier 1 risk-based capital ratio | 13.5480% | 3,523 |
| Total risk-based capital ratio | 14.4725% | 3,596 |
| Memoranda: | ||
| Average total assets | $103,585,400 | 4,044 |
| Average earning assets | $98,114,000 | 4,001 |
| Average equity | $8,479,800 | 4,532 |
| Average total loans | $69,325,400 | 3,882 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,617 |
| Cost of funding earning assets | 0.6879% | 1,923 |
| Net interest margin | 3.7152% | 2,964 |
| Noninterest income to average assets | 0.5198% | 2,744 |
| Noninterest expense to average assets | 3.1546% | 1,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6901% | 4,256 |
| Return on assets (ROA) | 0.6901% | 4,267 |
| Pretax return on assets | 0.8847% | 4,070 |
| Return on Equity (ROE) | 8.5161% | 3,322 |
| Retained earnings to average equity (ytd only) | 4.7242% | 3,382 |
| Net charge-offs to loans | 0.1585% | 1,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.2260% | 2,735 |
| Efficiency ratio | 78.0983% | 1,112 |
| Assets per employee ($millions) | 3.1055% | 4,960 |
| Cash dividends to net income (ytd only)* | 44.5265% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,997 |
| Loan loss allowance to noncurrent loans | 77.2455% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 1,626 |
| Noncurrent loans to loans | 1.2451% | 1,351 |
| Net loans and leases to total assets | 64.8107% | 3,328 |
| Net loans and leases to deposits | 72.3671% | 3,747 |
| Net loans and leases to core deposits | 80.0164% | 3,494 |
| Total domestic deposits to total assets | 89.5583% | 654 |
| Equity capital to assets | 8.0823% | 5,148 |
| Core capital (leverage) ratio | 8.5542% | 5,059 |
| Tier 1 risk-based capital ratio | 12.7667% | 4,042 |
| Total risk-based capital ratio | 13.7341% | 4,094 |
| Memoranda: | ||
| Average total assets | $104,142,000 | 4,072 |
| Average earning assets | $98,655,500 | 4,036 |
| Average equity | $8,438,750 | 4,582 |
| Average total loans | $70,668,000 | 3,894 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,650 |
| Cost of funding earning assets | 0.6733% | 1,785 |
| Net interest margin | 3.6607% | 3,075 |
| Noninterest income to average assets | 0.5139% | 2,780 |
| Noninterest expense to average assets | 3.1673% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6189% | 4,439 |
| Return on assets (ROA) | 0.6189% | 4,444 |
| Pretax return on assets | 0.8157% | 4,203 |
| Return on Equity (ROE) | 7.6319% | 3,660 |
| Retained earnings to average equity (ytd only) | 3.8631% | 3,672 |
| Net charge-offs to loans | 0.0250% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 47.4444% | 1,162 |
| Efficiency ratio | 79.5204% | 1,065 |
| Assets per employee ($millions) | 3.1362% | 4,985 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,492 |
| Loan loss allowance to noncurrent loans | 72.4798% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9585% | 1,571 |
| Noncurrent loans to loans | 1.4592% | 1,157 |
| Net loans and leases to total assets | 64.9925% | 3,275 |
| Net loans and leases to deposits | 71.1570% | 3,770 |
| Net loans and leases to core deposits | 79.2497% | 3,477 |
| Total domestic deposits to total assets | 91.3368% | 183 |
| Equity capital to assets | 7.9927% | 5,226 |
| Core capital (leverage) ratio | 8.2696% | 5,228 |
| Tier 1 risk-based capital ratio | 12.5358% | 4,160 |
| Total risk-based capital ratio | 13.6068% | 4,157 |
| Memoranda: | ||
| Average total assets | $104,695,000 | 4,099 |
| Average earning assets | $99,214,670 | 4,062 |
| Average equity | $8,490,670 | 4,616 |
| Average total loans | $71,869,000 | 3,897 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,639 |
| Cost of funding earning assets | 0.6420% | 1,766 |
| Net interest margin | 3.6270% | 3,084 |
| Noninterest income to average assets | 0.4976% | 2,814 |
| Noninterest expense to average assets | 2.9365% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7750% | 3,813 |
| Return on assets (ROA) | 0.7750% | 3,811 |
| Pretax return on assets | 0.9953% | 3,548 |
| Return on Equity (ROE) | 9.4884% | 2,683 |
| Retained earnings to average equity (ytd only) | 5.7674% | 2,825 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6860% | 1,797 |
| Assets per employee ($millions) | 3.1382% | 5,056 |
| Cash dividends to net income (ytd only)* | 39.2157% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,743 |
| Loan loss allowance to noncurrent loans | 87.1856% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 2,010 |
| Noncurrent loans to loans | 1.1900% | 1,533 |
| Net loans and leases to total assets | 65.0778% | 3,167 |
| Net loans and leases to deposits | 71.9043% | 3,614 |
| Net loans and leases to core deposits | 80.5648% | 3,279 |
| Total domestic deposits to total assets | 90.5061% | 475 |
| Equity capital to assets | 8.0291% | 5,258 |
| Core capital (leverage) ratio | 8.6407% | 5,031 |
| Tier 1 risk-based capital ratio | 12.6473% | 4,140 |
| Total risk-based capital ratio | 13.7152% | 4,166 |
| Memoranda: | ||
| Average total assets | $105,295,000 | 4,136 |
| Average earning assets | $99,695,500 | 4,104 |
| Average equity | $8,600,000 | 4,646 |
| Average total loans | $73,812,000 | 3,884 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,877 |
| Cost of funding earning assets | 0.5747% | 1,781 |
| Net interest margin | 3.8764% | 2,161 |
| Noninterest income to average assets | 0.6284% | 2,312 |
| Noninterest expense to average assets | 3.0314% | 2,068 |
| Loan and lease loss provision to assets | 0.1245% | 1,835 |
| Net operating income to assets | 0.7768% | 3,268 |
| Return on assets (ROA) | 0.7768% | 3,307 |
| Pretax return on assets | 1.1333% | 3,046 |
| Return on Equity (ROE) | 9.2531% | 2,191 |
| Retained earnings to average equity (ytd only) | 5.9315% | 1,581 |
| Net charge-offs to loans | 0.1492% | 1,600 |
| Credit loss provision to net charge-offs | 115.7407% | 2,266 |
| Earnings coverage of net charge-offs (x) | 11.6944% | 2,539 |
| Efficiency ratio | 70.6756% | 2,443 |
| Assets per employee ($millions) | 3.1482% | 5,082 |
| Cash dividends to net income (ytd only)* | 35.8974% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,273 |
| Loan loss allowance to noncurrent loans | 87.1856% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.8952% | 1,737 |
| Noncurrent loans to loans | 1.0780% | 1,649 |
| Net loans and leases to total assets | 73.8570% | 1,941 |
| Net loans and leases to deposits | 83.5193% | 2,547 |
| Net loans and leases to core deposits | 96.5024% | 1,981 |
| Total domestic deposits to total assets | 88.4310% | 1,282 |
| Equity capital to assets | 8.3098% | 5,253 |
| Core capital (leverage) ratio | 8.5459% | 5,097 |
| Tier 1 risk-based capital ratio | 11.4597% | 4,877 |
| Total risk-based capital ratio | 12.4410% | 4,919 |
| Memoranda: | ||
| Average total assets | $100,415,200 | 4,227 |
| Average earning assets | $94,830,600 | 4,186 |
| Average equity | $8,429,600 | 4,714 |
| Average total loans | $72,405,200 | 3,909 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,002 |
| Cost of funding earning assets | 0.5489% | 1,901 |
| Net interest margin | 3.8351% | 2,263 |
| Noninterest income to average assets | 0.6643% | 2,143 |
| Noninterest expense to average assets | 3.0096% | 2,085 |
| Loan and lease loss provision to assets | 0.1005% | 2,104 |
| Net operating income to assets | 0.7380% | 3,778 |
| Return on assets (ROA) | 0.7380% | 3,857 |
| Pretax return on assets | 1.1760% | 3,001 |
| Return on Equity (ROE) | 8.7680% | 2,738 |
| Retained earnings to average equity (ytd only) | 5.4263% | 2,584 |
| Net charge-offs to loans | 0.1762% | 1,197 |
| Credit loss provision to net charge-offs | 79.7872% | 2,586 |
| Earnings coverage of net charge-offs (x) | 10.1383% | 2,625 |
| Efficiency ratio | 70.2188% | 2,504 |
| Assets per employee ($millions) | 3.1999% | 5,064 |
| Cash dividends to net income (ytd only)* | 38.1120% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 4,413 |
| Loan loss allowance to noncurrent loans | 82.7751% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 1,613 |
| Noncurrent loans to loans | 1.1279% | 1,706 |
| Net loans and leases to total assets | 71.7084% | 2,299 |
| Net loans and leases to deposits | 81.2122% | 2,851 |
| Net loans and leases to core deposits | 94.7788% | 2,196 |
| Total domestic deposits to total assets | 88.2976% | 1,214 |
| Equity capital to assets | 8.3937% | 5,346 |
| Core capital (leverage) ratio | 8.5311% | 5,223 |
| Tier 1 risk-based capital ratio | 11.5930% | 4,890 |
| Total risk-based capital ratio | 12.5556% | 4,966 |
| Memoranda: | ||
| Average total assets | $99,546,500 | 4,289 |
| Average earning assets | $94,006,500 | 4,237 |
| Average equity | $8,378,750 | 4,771 |
| Average total loans | $71,142,000 | 3,965 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 1,986 |
| Cost of funding earning assets | 0.5302% | 1,915 |
| Net interest margin | 3.8144% | 2,233 |
| Noninterest income to average assets | 0.6735% | 2,108 |
| Noninterest expense to average assets | 3.0549% | 1,959 |
| Loan and lease loss provision to assets | 0.0507% | 2,972 |
| Net operating income to assets | 0.7465% | 3,647 |
| Return on assets (ROA) | 0.7465% | 3,708 |
| Pretax return on assets | 1.1725% | 2,885 |
| Return on Equity (ROE) | 8.8603% | 2,576 |
| Retained earnings to average equity (ytd only) | 5.4896% | 2,415 |
| Net charge-offs to loans | 0.0855% | 1,755 |
| Credit loss provision to net charge-offs | 83.3333% | 2,220 |
| Earnings coverage of net charge-offs (x) | 20.1000% | 1,810 |
| Efficiency ratio | 71.4083% | 2,453 |
| Assets per employee ($millions) | 3.1478% | 5,148 |
| Cash dividends to net income (ytd only)* | 38.0435% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 4,245 |
| Loan loss allowance to noncurrent loans | 72.7835% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 1,588 |
| Noncurrent loans to loans | 1.3521% | 1,430 |
| Net loans and leases to total assets | 70.5195% | 2,441 |
| Net loans and leases to deposits | 77.5898% | 3,154 |
| Net loans and leases to core deposits | 89.5900% | 2,563 |
| Total domestic deposits to total assets | 90.8876% | 249 |
| Equity capital to assets | 8.4413% | 5,338 |
| Core capital (leverage) ratio | 8.4167% | 5,274 |
| Tier 1 risk-based capital ratio | 11.8500% | 4,730 |
| Total risk-based capital ratio | 12.8664% | 4,770 |
| Memoranda: | ||
| Average total assets | $98,596,000 | 4,331 |
| Average earning assets | $93,173,670 | 4,286 |
| Average equity | $8,306,670 | 4,800 |
| Average total loans | $70,149,330 | 4,010 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 2,034 |
| Cost of funding earning assets | 0.5211% | 1,930 |
| Net interest margin | 3.7522% | 2,298 |
| Noninterest income to average assets | 0.5455% | 2,685 |
| Noninterest expense to average assets | 2.8053% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8449% | 3,015 |
| Return on assets (ROA) | 0.8449% | 3,058 |
| Pretax return on assets | 1.2837% | 2,286 |
| Return on Equity (ROE) | 10.0384% | 1,947 |
| Retained earnings to average equity (ytd only) | 6.6273% | 2,012 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6058% | 3,110 |
| Assets per employee ($millions) | 3.1754% | 5,190 |
| Cash dividends to net income (ytd only)* | 33.9806% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 4,178 |
| Loan loss allowance to noncurrent loans | 103.6443% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8149% | 2,257 |
| Noncurrent loans to loans | 0.9814% | 2,086 |
| Net loans and leases to total assets | 68.0924% | 2,667 |
| Net loans and leases to deposits | 74.6918% | 3,335 |
| Net loans and leases to core deposits | 86.0690% | 2,701 |
| Total domestic deposits to total assets | 91.1644% | 257 |
| Equity capital to assets | 8.1693% | 5,437 |
| Core capital (leverage) ratio | 8.5932% | 5,158 |
| Tier 1 risk-based capital ratio | 12.2609% | 4,537 |
| Total risk-based capital ratio | 13.3313% | 4,559 |
| Memoranda: | ||
| Average total assets | $97,528,500 | 4,397 |
| Average earning assets | $92,106,500 | 4,349 |
| Average equity | $8,208,500 | 4,855 |
| Average total loans | $69,353,500 | 4,068 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 2,189 |
| Cost of funding earning assets | 0.4761% | 2,297 |
| Net interest margin | 3.8096% | 2,285 |
| Noninterest income to average assets | 0.6377% | 2,469 |
| Noninterest expense to average assets | 3.1498% | 1,899 |
| Loan and lease loss provision to assets | 0.0108% | 4,158 |
| Net operating income to assets | 0.7240% | 3,674 |
| Return on assets (ROA) | 0.7240% | 3,789 |
| Pretax return on assets | 1.0607% | 3,258 |
| Return on Equity (ROE) | 8.3160% | 2,773 |
| Retained earnings to average equity (ytd only) | 5.0937% | 2,289 |
| Net charge-offs to loans | 0.0462% | 3,114 |
| Credit loss provision to net charge-offs | 32.2581% | 3,567 |
| Earnings coverage of net charge-offs (x) | 32.0323% | 1,373 |
| Efficiency ratio | 74.6166% | 2,203 |
| Assets per employee ($millions) | 2.8317% | 5,468 |
| Cash dividends to net income (ytd only)* | 38.7481% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 4,121 |
| Loan loss allowance to noncurrent loans | 82.5784% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 1,855 |
| Noncurrent loans to loans | 1.2513% | 1,640 |
| Net loans and leases to total assets | 72.8717% | 2,028 |
| Net loans and leases to deposits | 80.4687% | 2,840 |
| Net loans and leases to core deposits | 87.9383% | 2,682 |
| Total domestic deposits to total assets | 90.5592% | 431 |
| Equity capital to assets | 8.6853% | 5,118 |
| Core capital (leverage) ratio | 8.8022% | 4,962 |
| Tier 1 risk-based capital ratio | 12.3843% | 4,455 |
| Total risk-based capital ratio | 13.4831% | 4,429 |
| Memoranda: | ||
| Average total assets | $92,674,000 | 4,497 |
| Average earning assets | $87,175,200 | 4,452 |
| Average equity | $8,068,800 | 4,925 |
| Average total loans | $67,096,000 | 4,113 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,381 |
| Cost of funding earning assets | 0.4567% | 2,489 |
| Net interest margin | 3.7820% | 2,400 |
| Noninterest income to average assets | 0.6473% | 2,435 |
| Noninterest expense to average assets | 3.1141% | 1,995 |
| Loan and lease loss provision to assets | 0.0144% | 3,963 |
| Net operating income to assets | 0.7208% | 3,739 |
| Return on assets (ROA) | 0.7208% | 3,870 |
| Pretax return on assets | 1.0770% | 3,326 |
| Return on Equity (ROE) | 8.2742% | 2,868 |
| Retained earnings to average equity (ytd only) | 5.0473% | 2,795 |
| Net charge-offs to loans | 0.0720% | 2,285 |
| Credit loss provision to net charge-offs | 27.7778% | 3,242 |
| Earnings coverage of net charge-offs (x) | 21.0273% | 1,835 |
| Efficiency ratio | 74.0487% | 2,279 |
| Assets per employee ($millions) | 2.7645% | 5,567 |
| Cash dividends to net income (ytd only)* | 38.9995% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 4,339 |
| Loan loss allowance to noncurrent loans | 103.8235% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 2,481 |
| Noncurrent loans to loans | 0.9748% | 2,292 |
| Net loans and leases to total assets | 73.4637% | 1,953 |
| Net loans and leases to deposits | 84.0720% | 2,477 |
| Net loans and leases to core deposits | 95.4573% | 2,055 |
| Total domestic deposits to total assets | 87.3819% | 1,720 |
| Equity capital to assets | 8.7433% | 5,369 |
| Core capital (leverage) ratio | 8.9120% | 4,926 |
| Tier 1 risk-based capital ratio | 12.1030% | 4,725 |
| Total risk-based capital ratio | 13.1834% | 4,724 |
| Memoranda: | ||
| Average total assets | $92,481,250 | 4,537 |
| Average earning assets | $87,006,750 | 4,492 |
| Average equity | $8,057,000 | 4,975 |
| Average total loans | $66,668,500 | 4,151 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 2,455 |
| Cost of funding earning assets | 0.4530% | 2,542 |
| Net interest margin | 3.7650% | 2,456 |
| Noninterest income to average assets | 0.6067% | 2,582 |
| Noninterest expense to average assets | 3.1181% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6849% | 3,874 |
| Return on assets (ROA) | 0.6849% | 4,018 |
| Pretax return on assets | 1.0307% | 3,480 |
| Return on Equity (ROE) | 7.8717% | 3,048 |
| Retained earnings to average equity (ytd only) | 4.6231% | 2,966 |
| Net charge-offs to loans | -0.0030% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1572% | 2,201 |
| Assets per employee ($millions) | 2.7273% | 5,667 |
| Cash dividends to net income (ytd only)* | 41.2698% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,868 |
| Loan loss allowance to noncurrent loans | 135.4898% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 2,930 |
| Noncurrent loans to loans | 0.8228% | 2,685 |
| Net loans and leases to total assets | 70.1144% | 2,462 |
| Net loans and leases to deposits | 77.5262% | 3,208 |
| Net loans and leases to core deposits | 87.8356% | 2,739 |
| Total domestic deposits to total assets | 90.4397% | 335 |
| Equity capital to assets | 8.7450% | 5,443 |
| Core capital (leverage) ratio | 8.5907% | 5,273 |
| Tier 1 risk-based capital ratio | 12.3086% | 4,641 |
| Total risk-based capital ratio | 13.4648% | 4,616 |
| Memoranda: | ||
| Average total assets | $91,977,670 | 4,582 |
| Average earning assets | $86,534,670 | 4,532 |
| Average equity | $8,003,330 | 5,023 |
| Average total loans | $65,639,330 | 4,202 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 2,665 |
| Cost of funding earning assets | 0.4457% | 2,631 |
| Net interest margin | 3.7003% | 2,670 |
| Noninterest income to average assets | 0.5589% | 2,750 |
| Noninterest expense to average assets | 2.9606% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7423% | 3,524 |
| Return on assets (ROA) | 0.7423% | 3,632 |
| Pretax return on assets | 1.0786% | 3,178 |
| Return on Equity (ROE) | 8.5529% | 2,632 |
| Retained earnings to average equity (ytd only) | 5.2827% | 2,774 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2973% | 2,589 |
| Assets per employee ($millions) | 2.8240% | 5,669 |
| Cash dividends to net income (ytd only)* | 38.2353% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,935 |
| Loan loss allowance to noncurrent loans | 132.1300% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 2,976 |
| Noncurrent loans to loans | 0.8490% | 2,727 |
| Net loans and leases to total assets | 69.2342% | 2,465 |
| Net loans and leases to deposits | 76.4020% | 3,173 |
| Net loans and leases to core deposits | 87.9978% | 2,565 |
| Total domestic deposits to total assets | 90.6182% | 391 |
| Equity capital to assets | 8.6071% | 5,487 |
| Core capital (leverage) ratio | 8.8292% | 5,052 |
| Tier 1 risk-based capital ratio | 12.4747% | 4,595 |
| Total risk-based capital ratio | 13.6566% | 4,546 |
| Memoranda: | ||
| Average total assets | $91,603,000 | 4,627 |
| Average earning assets | $86,154,500 | 4,574 |
| Average equity | $7,950,500 | 5,060 |
| Average total loans | $65,585,000 | 4,230 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 2,262 |
| Cost of funding earning assets | 0.2767% | 4,517 |
| Net interest margin | 4.0092% | 1,688 |
| Noninterest income to average assets | 0.6889% | 2,255 |
| Noninterest expense to average assets | 3.4840% | 1,319 |
| Loan and lease loss provision to assets | 0.0173% | 4,062 |
| Net operating income to assets | 0.6762% | 3,921 |
| Return on assets (ROA) | 0.7037% | 3,901 |
| Pretax return on assets | 0.9827% | 3,533 |
| Return on Equity (ROE) | 7.3790% | 3,315 |
| Retained earnings to average equity (ytd only) | 4.2721% | 2,936 |
| Net charge-offs to loans | -0.3785% | 6,048 |
| Credit loss provision to net charge-offs | -6.0606% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3671% | 1,909 |
| Assets per employee ($millions) | 2.7277% | 5,754 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,986 |
| Loan loss allowance to noncurrent loans | 99.4565% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 2,360 |
| Noncurrent loans to loans | 1.1165% | 2,105 |
| Net loans and leases to total assets | 72.4168% | 1,979 |
| Net loans and leases to deposits | 79.8691% | 2,832 |
| Net loans and leases to core deposits | 91.9979% | 2,221 |
| Total domestic deposits to total assets | 90.6693% | 389 |
| Equity capital to assets | 8.7541% | 5,345 |
| Core capital (leverage) ratio | 9.3780% | 4,357 |
| Tier 1 risk-based capital ratio | 12.3740% | 4,716 |
| Total risk-based capital ratio | 13.5621% | 4,647 |
| Memoranda: | ||
| Average total assets | $80,999,000 | 4,848 |
| Average earning assets | $75,899,600 | 4,810 |
| Average equity | $7,724,600 | 5,105 |
| Average total loans | $61,029,600 | 4,350 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 2,189 |
| Cost of funding earning assets | 0.2242% | 5,145 |
| Net interest margin | 4.0877% | 1,440 |
| Noninterest income to average assets | 0.7027% | 2,218 |
| Noninterest expense to average assets | 3.4287% | 1,416 |
| Loan and lease loss provision to assets | 0.0237% | 3,801 |
| Net operating income to assets | 0.7251% | 3,789 |
| Return on assets (ROA) | 0.7602% | 3,731 |
| Pretax return on assets | 1.1310% | 3,093 |
| Return on Equity (ROE) | 7.7891% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.6666% | 3,152 |
| Net charge-offs to loans | -0.5105% | 6,158 |
| Credit loss provision to net charge-offs | -6.1135% | 4,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6726% | 2,293 |
| Assets per employee ($millions) | 2.6197% | 5,892 |
| Cash dividends to net income (ytd only)* | 40.0885% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,832 |
| Loan loss allowance to noncurrent loans | 122.8956% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 2,760 |
| Noncurrent loans to loans | 0.9496% | 2,603 |
| Net loans and leases to total assets | 76.1230% | 1,371 |
| Net loans and leases to deposits | 84.7548% | 2,310 |
| Net loans and leases to core deposits | 92.8899% | 2,179 |
| Total domestic deposits to total assets | 89.8155% | 646 |
| Equity capital to assets | 9.6599% | 4,561 |
| Core capital (leverage) ratio | 9.9861% | 3,652 |
| Tier 1 risk-based capital ratio | 13.0401% | 4,406 |
| Total risk-based capital ratio | 14.2900% | 4,325 |
| Memoranda: | ||
| Average total assets | $78,745,000 | 4,955 |
| Average earning assets | $73,748,000 | 4,914 |
| Average equity | $7,685,750 | 5,178 |
| Average total loans | $59,807,500 | 4,429 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,354 |
| Cost of funding earning assets | 0.1997% | 5,436 |
| Net interest margin | 4.0513% | 1,494 |
| Noninterest income to average assets | 0.6956% | 2,230 |
| Noninterest expense to average assets | 3.5086% | 1,287 |
| Loan and lease loss provision to assets | 0.0359% | 3,408 |
| Net operating income to assets | 0.6138% | 4,277 |
| Return on assets (ROA) | 0.6648% | 4,159 |
| Pretax return on assets | 1.0318% | 3,450 |
| Return on Equity (ROE) | 6.7866% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.6422% | 3,706 |
| Net charge-offs to loans | 0.0170% | 3,372 |
| Credit loss provision to net charge-offs | 280.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 724 |
| Efficiency ratio | 78.0251% | 2,069 |
| Assets per employee ($millions) | 2.4490% | 6,059 |
| Cash dividends to net income (ytd only)* | 46.3320% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 5,559 |
| Loan loss allowance to noncurrent loans | 92.0074% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 2,961 |
| Noncurrent loans to loans | 0.8869% | 2,911 |
| Net loans and leases to total assets | 76.7699% | 1,259 |
| Net loans and leases to deposits | 85.5804% | 2,096 |
| Net loans and leases to core deposits | 88.1509% | 2,537 |
| Total domestic deposits to total assets | 89.7050% | 784 |
| Equity capital to assets | 9.7540% | 4,340 |
| Core capital (leverage) ratio | 9.8686% | 3,776 |
| Tier 1 risk-based capital ratio | 13.3413% | 4,320 |
| Total risk-based capital ratio | 14.2434% | 4,438 |
| Memoranda: | ||
| Average total assets | $77,922,670 | 5,021 |
| Average earning assets | $73,113,000 | 4,979 |
| Average equity | $7,632,670 | 5,239 |
| Average total loans | $58,893,000 | 4,490 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 2,640 |
| Cost of funding earning assets | 0.1920% | 5,580 |
| Net interest margin | 3.9556% | 1,703 |
| Noninterest income to average assets | 0.6538% | 2,388 |
| Noninterest expense to average assets | 3.0734% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8683% | 2,912 |
| Return on assets (ROA) | 0.8752% | 2,997 |
| Pretax return on assets | 1.3024% | 2,273 |
| Return on Equity (ROE) | 8.9157% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.7690% | 2,622 |
| Net charge-offs to loans | -0.0138% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4009% | 3,410 |
| Assets per employee ($millions) | 2.5110% | 6,105 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 5,593 |
| Loan loss allowance to noncurrent loans | 95.5078% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 3,165 |
| Noncurrent loans to loans | 0.8812% | 3,042 |
| Net loans and leases to total assets | 74.0115% | 1,496 |
| Net loans and leases to deposits | 82.7675% | 2,236 |
| Net loans and leases to core deposits | 83.0671% | 2,861 |
| Total domestic deposits to total assets | 89.4209% | 1,034 |
| Equity capital to assets | 9.9008% | 4,271 |
| Core capital (leverage) ratio | 10.0103% | 3,583 |
| Tier 1 risk-based capital ratio | 13.9374% | 4,063 |
| Total risk-based capital ratio | 14.8724% | 4,175 |
| Memoranda: | ||
| Average total assets | $77,700,000 | 5,079 |
| Average earning assets | $72,909,500 | 5,028 |
| Average equity | $7,627,000 | 5,279 |
| Average total loans | $58,010,500 | 4,543 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,198 |
| Cost of funding earning assets | 0.1989% | 5,755 |
| Net interest margin | 3.9331% | 2,107 |
| Noninterest income to average assets | 0.6608% | 2,501 |
| Noninterest expense to average assets | 3.2780% | 1,981 |
| Loan and lease loss provision to assets | 0.0567% | 3,413 |
| Net operating income to assets | 0.6538% | 4,119 |
| Return on assets (ROA) | 0.6546% | 4,219 |
| Pretax return on assets | 1.0565% | 3,273 |
| Return on Equity (ROE) | 7.3892% | 3,419 |
| Retained earnings to average equity (ytd only) | 4.3277% | 3,112 |
| Net charge-offs to loans | 0.0145% | 4,593 |
| Credit loss provision to net charge-offs | 575.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 112.7500% | 469 |
| Efficiency ratio | 74.6700% | 2,722 |
| Assets per employee ($millions) | 2.4237% | 6,201 |
| Cash dividends to net income (ytd only)* | 41.4313% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 5,659 |
| Loan loss allowance to noncurrent loans | 95.1172% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 3,104 |
| Noncurrent loans to loans | 0.8840% | 3,108 |
| Net loans and leases to total assets | 74.0517% | 1,575 |
| Net loans and leases to deposits | 82.4228% | 2,419 |
| Net loans and leases to core deposits | 82.7207% | 3,030 |
| Total domestic deposits to total assets | 89.8437% | 803 |
| Equity capital to assets | 9.7308% | 4,430 |
| Core capital (leverage) ratio | 9.8683% | 3,752 |
| Tier 1 risk-based capital ratio | 13.7107% | 4,294 |
| Total risk-based capital ratio | 14.6412% | 4,411 |
| Memoranda: | ||
| Average total assets | $81,117,600 | 5,036 |
| Average earning assets | $76,912,000 | 4,959 |
| Average equity | $7,186,200 | 5,377 |
| Average total loans | $55,138,200 | 4,644 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,556 |
| Cost of funding earning assets | 0.1948% | 5,876 |
| Net interest margin | 3.8559% | 2,410 |
| Noninterest income to average assets | 0.6455% | 2,598 |
| Noninterest expense to average assets | 3.1362% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7257% | 3,810 |
| Return on assets (ROA) | 0.7268% | 3,909 |
| Pretax return on assets | 1.1787% | 2,866 |
| Return on Equity (ROE) | 8.3990% | 2,988 |
| Retained earnings to average equity (ytd only) | 5.2986% | 2,879 |
| Net charge-offs to loans | -0.0441% | 5,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7101% | 3,060 |
| Assets per employee ($millions) | 2.4555% | 6,255 |
| Cash dividends to net income (ytd only)* | 36.9117% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 5,831 |
| Loan loss allowance to noncurrent loans | 72.1793% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9748% | 3,016 |
| Noncurrent loans to loans | 1.1335% | 2,791 |
| Net loans and leases to total assets | 74.3747% | 1,461 |
| Net loans and leases to deposits | 82.7872% | 2,323 |
| Net loans and leases to core deposits | 83.0909% | 2,989 |
| Total domestic deposits to total assets | 89.8384% | 808 |
| Equity capital to assets | 9.7281% | 4,519 |
| Core capital (leverage) ratio | 9.5646% | 4,287 |
| Tier 1 risk-based capital ratio | 13.6936% | 4,421 |
| Total risk-based capital ratio | 14.5902% | 4,585 |
| Memoranda: | ||
| Average total assets | $82,007,500 | 5,066 |
| Average earning assets | $78,009,000 | 4,981 |
| Average equity | $7,096,000 | 5,441 |
| Average total loans | $54,442,750 | 4,712 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 4,006 |
| Cost of funding earning assets | 0.1950% | 5,950 |
| Net interest margin | 3.7370% | 2,810 |
| Noninterest income to average assets | 0.5859% | 2,888 |
| Noninterest expense to average assets | 3.1059% | 2,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6407% | 4,152 |
| Return on assets (ROA) | 0.6407% | 4,253 |
| Pretax return on assets | 1.0408% | 3,317 |
| Return on Equity (ROE) | 7.6934% | 3,269 |
| Retained earnings to average equity (ytd only) | 4.5474% | 3,278 |
| Net charge-offs to loans | -0.0709% | 6,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8995% | 2,823 |
| Assets per employee ($millions) | 2.6479% | 6,169 |
| Cash dividends to net income (ytd only)* | 40.8922% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 5,768 |
| Loan loss allowance to noncurrent loans | 65.6381% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9843% | 3,094 |
| Noncurrent loans to loans | 1.3459% | 2,559 |
| Net loans and leases to total assets | 63.9666% | 3,077 |
| Net loans and leases to deposits | 70.5569% | 3,747 |
| Net loans and leases to core deposits | 70.5569% | 4,212 |
| Total domestic deposits to total assets | 90.6597% | 523 |
| Equity capital to assets | 8.8360% | 5,488 |
| Core capital (leverage) ratio | 8.7632% | 5,320 |
| Tier 1 risk-based capital ratio | 14.1782% | 4,139 |
| Total risk-based capital ratio | 15.1238% | 4,282 |
| Memoranda: | ||
| Average total assets | $83,970,000 | 5,065 |
| Average earning assets | $80,009,670 | 4,981 |
| Average equity | $6,993,000 | 5,493 |
| Average total loans | $53,563,330 | 4,762 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 4,283 |
| Cost of funding earning assets | 0.1980% | 6,016 |
| Net interest margin | 3.6537% | 3,048 |
| Noninterest income to average assets | 0.5276% | 3,213 |
| Noninterest expense to average assets | 3.0149% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6077% | 4,162 |
| Return on assets (ROA) | 0.6077% | 4,243 |
| Pretax return on assets | 0.9893% | 3,367 |
| Return on Equity (ROE) | 7.5186% | 3,188 |
| Retained earnings to average equity (ytd only) | 4.3130% | 3,541 |
| Net charge-offs to loans | -0.1263% | 6,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2941% | 2,908 |
| Assets per employee ($millions) | 2.7920% | 6,106 |
| Cash dividends to net income (ytd only)* | 42.6357% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 5,923 |
| Loan loss allowance to noncurrent loans | 70.8207% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 3,553 |
| Noncurrent loans to loans | 1.2449% | 2,961 |
| Net loans and leases to total assets | 60.5271% | 3,467 |
| Net loans and leases to deposits | 66.2527% | 4,065 |
| Net loans and leases to core deposits | 66.6921% | 4,423 |
| Total domestic deposits to total assets | 91.3579% | 432 |
| Equity capital to assets | 8.0910% | 5,985 |
| Core capital (leverage) ratio | 8.5934% | 5,532 |
| Tier 1 risk-based capital ratio | 14.1229% | 4,243 |
| Total risk-based capital ratio | 15.0718% | 4,402 |
| Memoranda: | ||
| Average total assets | $84,912,500 | 5,091 |
| Average earning assets | $80,794,500 | 5,005 |
| Average equity | $6,863,000 | 5,553 |
| Average total loans | $53,857,500 | 4,796 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,771 |
| Cost of funding earning assets | 0.2540% | 5,939 |
| Net interest margin | 3.5584% | 3,642 |
| Noninterest income to average assets | 0.5076% | 3,706 |
| Noninterest expense to average assets | 2.9320% | 3,271 |
| Loan and lease loss provision to assets | 0.0301% | 4,509 |
| Net operating income to assets | 0.5700% | 4,411 |
| Return on assets (ROA) | 0.5700% | 4,517 |
| Pretax return on assets | 0.9145% | 3,703 |
| Return on Equity (ROE) | 7.1321% | 3,495 |
| Retained earnings to average equity (ytd only) | 3.9494% | 3,393 |
| Net charge-offs to loans | 0.0093% | 5,267 |
| Credit loss provision to net charge-offs | 520.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 163.4000% | 286 |
| Efficiency ratio | 75.6338% | 2,837 |
| Assets per employee ($millions) | 2.6862% | 6,236 |
| Cash dividends to net income (ytd only)* | 44.6247% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 6,132 |
| Loan loss allowance to noncurrent loans | 64.9783% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 2,773 |
| Noncurrent loans to loans | 1.2595% | 3,023 |
| Net loans and leases to total assets | 65.3425% | 2,802 |
| Net loans and leases to deposits | 71.4697% | 3,596 |
| Net loans and leases to core deposits | 71.9612% | 4,074 |
| Total domestic deposits to total assets | 91.4269% | 426 |
| Equity capital to assets | 8.0735% | 5,963 |
| Core capital (leverage) ratio | 8.5336% | 5,628 |
| Tier 1 risk-based capital ratio | 13.2789% | 4,801 |
| Total risk-based capital ratio | 14.1491% | 4,994 |
| Memoranda: | ||
| Average total assets | $86,492,800 | 5,066 |
| Average earning assets | $81,891,800 | 4,986 |
| Average equity | $6,912,400 | 5,594 |
| Average total loans | $53,550,200 | 4,830 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7208% | 5,111 |
| Cost of funding earning assets | 0.2579% | 6,026 |
| Net interest margin | 3.4628% | 4,044 |
| Noninterest income to average assets | 0.6567% | 2,845 |
| Noninterest expense to average assets | 2.8011% | 3,663 |
| Loan and lease loss provision to assets | 0.0275% | 4,459 |
| Net operating income to assets | 0.6766% | 3,973 |
| Return on assets (ROA) | 0.6766% | 4,121 |
| Pretax return on assets | 1.1088% | 3,076 |
| Return on Equity (ROE) | 8.4867% | 2,883 |
| Retained earnings to average equity (ytd only) | 5.3258% | 2,860 |
| Net charge-offs to loans | 0.0125% | 4,888 |
| Credit loss provision to net charge-offs | 360.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 148.7226% | 370 |
| Efficiency ratio | 71.1404% | 3,579 |
| Assets per employee ($millions) | 2.7959% | 6,161 |
| Cash dividends to net income (ytd only)* | 37.2454% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 6,277 |
| Loan loss allowance to noncurrent loans | 52.6253% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 3,428 |
| Noncurrent loans to loans | 1.5272% | 2,875 |
| Net loans and leases to total assets | 64.8946% | 2,825 |
| Net loans and leases to deposits | 71.0606% | 3,634 |
| Net loans and leases to core deposits | 72.5118% | 4,029 |
| Total domestic deposits to total assets | 91.3229% | 409 |
| Equity capital to assets | 8.1990% | 6,003 |
| Core capital (leverage) ratio | 8.5906% | 5,672 |
| Tier 1 risk-based capital ratio | 13.4489% | 4,796 |
| Total risk-based capital ratio | 14.3151% | 5,033 |
| Memoranda: | ||
| Average total assets | $87,298,000 | 5,094 |
| Average earning assets | $82,705,250 | 5,006 |
| Average equity | $6,959,750 | 5,649 |
| Average total loans | $53,222,500 | 4,881 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 5,400 |
| Cost of funding earning assets | 0.2672% | 6,058 |
| Net interest margin | 3.3446% | 4,405 |
| Noninterest income to average assets | 0.6129% | 3,114 |
| Noninterest expense to average assets | 2.6957% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6807% | 3,901 |
| Return on assets (ROA) | 0.6807% | 4,069 |
| Pretax return on assets | 1.0878% | 3,144 |
| Return on Equity (ROE) | 8.6156% | 2,787 |
| Retained earnings to average equity (ytd only) | 5.4670% | 2,765 |
| Net charge-offs to loans | 0.0342% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 53.4444% | 764 |
| Efficiency ratio | 71.2493% | 3,602 |
| Assets per employee ($millions) | 2.7367% | 6,239 |
| Cash dividends to net income (ytd only)* | 36.5449% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 6,355 |
| Loan loss allowance to noncurrent loans | 64.5609% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 4,115 |
| Noncurrent loans to loans | 1.2384% | 3,478 |
| Net loans and leases to total assets | 59.3653% | 3,767 |
| Net loans and leases to deposits | 64.8092% | 4,401 |
| Net loans and leases to core deposits | 65.8610% | 4,703 |
| Total domestic deposits to total assets | 91.6002% | 346 |
| Equity capital to assets | 7.8837% | 6,278 |
| Core capital (leverage) ratio | 8.2018% | 6,007 |
| Tier 1 risk-based capital ratio | 14.1436% | 4,330 |
| Total risk-based capital ratio | 15.0221% | 4,560 |
| Memoranda: | ||
| Average total assets | $88,438,670 | 5,090 |
| Average earning assets | $83,837,330 | 5,012 |
| Average equity | $6,987,330 | 5,685 |
| Average total loans | $52,672,670 | 4,923 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 5,394 |
| Cost of funding earning assets | 0.2809% | 6,104 |
| Net interest margin | 3.3379% | 4,364 |
| Noninterest income to average assets | 0.5311% | 3,561 |
| Noninterest expense to average assets | 2.5790% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7156% | 3,617 |
| Return on assets (ROA) | 0.7156% | 3,754 |
| Pretax return on assets | 1.1072% | 2,927 |
| Return on Equity (ROE) | 9.0482% | 2,471 |
| Retained earnings to average equity (ytd only) | 5.9183% | 2,724 |
| Net charge-offs to loans | -0.0151% | 5,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9634% | 3,983 |
| Assets per employee ($millions) | 2.9052% | 6,141 |
| Cash dividends to net income (ytd only)* | 34.5912% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 6,425 |
| Loan loss allowance to noncurrent loans | 38.2903% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2885% | 3,395 |
| Noncurrent loans to loans | 2.1393% | 2,451 |
| Net loans and leases to total assets | 59.7370% | 3,479 |
| Net loans and leases to deposits | 65.3976% | 4,134 |
| Net loans and leases to core deposits | 66.4662% | 4,473 |
| Total domestic deposits to total assets | 91.3444% | 401 |
| Equity capital to assets | 8.1187% | 6,319 |
| Core capital (leverage) ratio | 7.9794% | 6,165 |
| Tier 1 risk-based capital ratio | 14.0294% | 4,485 |
| Total risk-based capital ratio | 14.9334% | 4,700 |
| Memoranda: | ||
| Average total assets | $88,871,500 | 5,131 |
| Average earning assets | $84,005,000 | 5,045 |
| Average equity | $7,029,000 | 5,736 |
| Average total loans | $52,805,500 | 4,953 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 5,688 |
| Cost of funding earning assets | 0.4033% | 5,893 |
| Net interest margin | 3.4574% | 4,676 |
| Noninterest income to average assets | 0.6358% | 3,077 |
| Noninterest expense to average assets | 2.9250% | 3,550 |
| Loan and lease loss provision to assets | 0.0278% | 5,547 |
| Net operating income to assets | 0.5912% | 4,275 |
| Return on assets (ROA) | 0.5912% | 4,538 |
| Pretax return on assets | 0.9665% | 3,675 |
| Return on Equity (ROE) | 7.7405% | 3,212 |
| Retained earnings to average equity (ytd only) | 4.8251% | 2,828 |
| Net charge-offs to loans | 0.0427% | 5,318 |
| Credit loss provision to net charge-offs | 113.6364% | 2,558 |
| Earnings coverage of net charge-offs (x) | 40.5909% | 790 |
| Efficiency ratio | 74.6307% | 2,965 |
| Assets per employee ($millions) | 3.0195% | 5,983 |
| Cash dividends to net income (ytd only)* | 37.6648% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 6,478 |
| Loan loss allowance to noncurrent loans | 31.1499% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 1.5168% | 3,104 |
| Noncurrent loans to loans | 2.5868% | 2,047 |
| Net loans and leases to total assets | 58.1635% | 3,948 |
| Net loans and leases to deposits | 63.4505% | 4,608 |
| Net loans and leases to core deposits | 64.4423% | 4,914 |
| Total domestic deposits to total assets | 91.6676% | 306 |
| Equity capital to assets | 7.7076% | 6,549 |
| Core capital (leverage) ratio | 7.6987% | 6,406 |
| Tier 1 risk-based capital ratio | 13.2153% | 4,955 |
| Total risk-based capital ratio | 14.0756% | 5,173 |
| Memoranda: | ||
| Average total assets | $89,812,000 | 5,087 |
| Average earning assets | $85,296,000 | 4,984 |
| Average equity | $6,860,000 | 5,807 |
| Average total loans | $51,572,600 | 5,041 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 5,826 |
| Cost of funding earning assets | 0.4139% | 6,034 |
| Net interest margin | 3.4687% | 4,766 |
| Noninterest income to average assets | 0.6249% | 3,129 |
| Noninterest expense to average assets | 2.8907% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7022% | 3,905 |
| Return on assets (ROA) | 0.7022% | 4,147 |
| Pretax return on assets | 1.0385% | 3,568 |
| Return on Equity (ROE) | 9.2147% | 2,705 |
| Retained earnings to average equity (ytd only) | 6.2863% | 2,496 |
| Net charge-offs to loans | 0.0599% | 4,825 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 30.3437% | 1,086 |
| Efficiency ratio | 73.5706% | 3,054 |
| Assets per employee ($millions) | 3.0536% | 5,957 |
| Cash dividends to net income (ytd only)* | 31.7803% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 6,644 |
| Loan loss allowance to noncurrent loans | 28.6733% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 1.5305% | 3,282 |
| Noncurrent loans to loans | 2.7153% | 2,087 |
| Net loans and leases to total assets | 55.9259% | 4,466 |
| Net loans and leases to deposits | 60.8716% | 5,099 |
| Net loans and leases to core deposits | 61.8199% | 5,380 |
| Total domestic deposits to total assets | 91.8751% | 224 |
| Equity capital to assets | 7.6392% | 6,732 |
| Core capital (leverage) ratio | 7.8374% | 6,444 |
| Tier 1 risk-based capital ratio | 13.7097% | 4,750 |
| Total risk-based capital ratio | 14.5523% | 4,989 |
| Memoranda: | ||
| Average total assets | $89,618,500 | 5,152 |
| Average earning assets | $85,372,000 | 5,037 |
| Average equity | $6,829,500 | 5,877 |
| Average total loans | $51,186,750 | 5,119 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 5,778 |
| Cost of funding earning assets | 0.4397% | 6,037 |
| Net interest margin | 3.5125% | 4,615 |
| Noninterest income to average assets | 0.6228% | 3,115 |
| Noninterest expense to average assets | 2.9048% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7150% | 3,784 |
| Return on assets (ROA) | 0.7150% | 4,052 |
| Pretax return on assets | 1.0590% | 3,467 |
| Return on Equity (ROE) | 9.3898% | 2,618 |
| Retained earnings to average equity (ytd only) | 6.4370% | 2,417 |
| Net charge-offs to loans | 0.0588% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 31.4000% | 1,041 |
| Efficiency ratio | 73.2842% | 3,197 |
| Assets per employee ($millions) | 2.7133% | 6,512 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 6,652 |
| Loan loss allowance to noncurrent loans | 28.1400% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 1.6780% | 3,201 |
| Noncurrent loans to loans | 2.8685% | 2,088 |
| Net loans and leases to total assets | 58.0269% | 4,153 |
| Net loans and leases to deposits | 63.3916% | 4,841 |
| Net loans and leases to core deposits | 64.4358% | 5,160 |
| Total domestic deposits to total assets | 91.5372% | 306 |
| Equity capital to assets | 7.9376% | 6,607 |
| Core capital (leverage) ratio | 7.7382% | 6,495 |
| Tier 1 risk-based capital ratio | 13.8173% | 4,584 |
| Total risk-based capital ratio | 14.6955% | 4,825 |
| Memoranda: | ||
| Average total assets | $88,955,670 | 5,198 |
| Average earning assets | $84,611,670 | 5,088 |
| Average equity | $6,773,330 | 5,911 |
| Average total loans | $51,037,670 | 5,150 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 5,913 |
| Cost of funding earning assets | 0.4709% | 6,008 |
| Net interest margin | 3.4733% | 4,819 |
| Noninterest income to average assets | 0.6443% | 2,965 |
| Noninterest expense to average assets | 3.0438% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6221% | 4,249 |
| Return on assets (ROA) | 0.6221% | 4,460 |
| Pretax return on assets | 0.9109% | 3,993 |
| Return on Equity (ROE) | 8.3408% | 3,123 |
| Retained earnings to average equity (ytd only) | 5.3619% | 3,332 |
| Net charge-offs to loans | -0.0704% | 6,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9663% | 2,653 |
| Assets per employee ($millions) | 2.8052% | 6,493 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 6,614 |
| Loan loss allowance to noncurrent loans | 31.7020% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 3,486 |
| Noncurrent loans to loans | 2.7423% | 2,376 |
| Net loans and leases to total assets | 55.1294% | 4,531 |
| Net loans and leases to deposits | 59.9143% | 5,159 |
| Net loans and leases to core deposits | 61.0782% | 5,427 |
| Total domestic deposits to total assets | 92.0138% | 252 |
| Equity capital to assets | 7.5195% | 6,772 |
| Core capital (leverage) ratio | 7.4584% | 6,656 |
| Tier 1 risk-based capital ratio | 13.6980% | 4,679 |
| Total risk-based capital ratio | 14.6339% | 4,901 |
| Memoranda: | ||
| Average total assets | $90,020,000 | 5,208 |
| Average earning assets | $85,798,000 | 5,088 |
| Average equity | $6,714,000 | 5,959 |
| Average total loans | $51,160,000 | 5,178 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 5,046 |
| Cost of funding earning assets | 0.7151% | 5,435 |
| Net interest margin | 3.7918% | 3,867 |
| Noninterest income to average assets | 0.1290% | 6,513 |
| Noninterest expense to average assets | 2.9119% | 3,910 |
| Loan and lease loss provision to assets | 0.1290% | 5,000 |
| Net operating income to assets | 0.4690% | 4,545 |
| Return on assets (ROA) | 0.4690% | 4,749 |
| Pretax return on assets | 0.6878% | 4,371 |
| Return on Equity (ROE) | 6.5668% | 3,605 |
| Retained earnings to average equity (ytd only) | 4.9958% | 2,642 |
| Net charge-offs to loans | 0.8566% | 2,028 |
| Credit loss provision to net charge-offs | 25.6125% | 5,844 |
| Earnings coverage of net charge-offs (x) | 1.6214% | 4,557 |
| Efficiency ratio | 78.0921% | 2,577 |
| Assets per employee ($millions) | 2.8210% | 6,426 |
| Cash dividends to net income (ytd only)* | 23.9234% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 6,711 |
| Loan loss allowance to noncurrent loans | 26.4963% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 3,210 |
| Noncurrent loans to loans | 3.0612% | 2,119 |
| Net loans and leases to total assets | 57.5731% | 4,446 |
| Net loans and leases to deposits | 62.4248% | 5,181 |
| Net loans and leases to core deposits | 63.6253% | 5,505 |
| Total domestic deposits to total assets | 92.2280% | 210 |
| Equity capital to assets | 7.3976% | 6,858 |
| Core capital (leverage) ratio | 7.3892% | 6,705 |
| Tier 1 risk-based capital ratio | 12.4045% | 5,531 |
| Total risk-based capital ratio | 13.2468% | 5,813 |
| Memoranda: | ||
| Average total assets | $89,118,400 | 5,205 |
| Average earning assets | $84,603,800 | 5,104 |
| Average equity | $6,365,400 | 6,050 |
| Average total loans | $52,416,400 | 5,174 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 4,661 |
| Cost of funding earning assets | 0.7586% | 5,414 |
| Net interest margin | 3.8955% | 3,401 |
| Noninterest income to average assets | 0.4263% | 4,468 |
| Noninterest expense to average assets | 2.9599% | 3,705 |
| Loan and lease loss provision to assets | 0.1126% | 5,017 |
| Net operating income to assets | 0.6499% | 3,874 |
| Return on assets (ROA) | 0.6499% | 4,046 |
| Pretax return on assets | 1.0537% | 3,193 |
| Return on Equity (ROE) | 9.1824% | 2,513 |
| Retained earnings to average equity (ytd only) | 7.5919% | 1,667 |
| Net charge-offs to loans | 0.8546% | 1,857 |
| Credit loss provision to net charge-offs | 22.3214% | 5,528 |
| Earnings coverage of net charge-offs (x) | 2.3125% | 3,971 |
| Efficiency ratio | 71.7352% | 3,607 |
| Assets per employee ($millions) | 2.6736% | 6,690 |
| Cash dividends to net income (ytd only)* | 17.3214% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 6,448 |
| Loan loss allowance to noncurrent loans | 32.7201% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 2.3315% | 2,750 |
| Noncurrent loans to loans | 2.9120% | 2,396 |
| Net loans and leases to total assets | 58.6753% | 4,378 |
| Net loans and leases to deposits | 63.8559% | 5,187 |
| Net loans and leases to core deposits | 65.1244% | 5,511 |
| Total domestic deposits to total assets | 91.8869% | 223 |
| Equity capital to assets | 7.6518% | 6,866 |
| Core capital (leverage) ratio | 7.3661% | 6,827 |
| Tier 1 risk-based capital ratio | 12.7303% | 5,308 |
| Total risk-based capital ratio | 13.7288% | 5,499 |
| Memoranda: | ||
| Average total assets | $88,829,750 | 5,253 |
| Average earning assets | $84,367,750 | 5,149 |
| Average equity | $6,287,250 | 6,119 |
| Average total loans | $52,421,000 | 5,218 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 4,838 |
| Cost of funding earning assets | 0.8208% | 5,239 |
| Net interest margin | 3.8106% | 3,731 |
| Noninterest income to average assets | 0.4538% | 4,259 |
| Noninterest expense to average assets | 2.9518% | 3,824 |
| Loan and lease loss provision to assets | 0.1685% | 4,248 |
| Net operating income to assets | 0.5346% | 4,353 |
| Return on assets (ROA) | 0.5346% | 4,498 |
| Pretax return on assets | 0.9525% | 3,421 |
| Return on Equity (ROE) | 7.7617% | 3,066 |
| Retained earnings to average equity (ytd only) | 6.1311% | 2,340 |
| Net charge-offs to loans | 1.2921% | 1,197 |
| Credit loss provision to net charge-offs | 22.1239% | 5,104 |
| Earnings coverage of net charge-offs (x) | 1.4720% | 4,180 |
| Efficiency ratio | 72.4766% | 3,638 |
| Assets per employee ($millions) | 2.6340% | 6,740 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 6,529 |
| Loan loss allowance to noncurrent loans | 33.8577% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 3,735 |
| Noncurrent loans to loans | 2.7896% | 2,608 |
| Net loans and leases to total assets | 57.9688% | 4,634 |
| Net loans and leases to deposits | 62.7822% | 5,418 |
| Net loans and leases to core deposits | 64.7662% | 5,633 |
| Total domestic deposits to total assets | 92.3332% | 179 |
| Equity capital to assets | 7.2190% | 7,052 |
| Core capital (leverage) ratio | 7.2487% | 6,893 |
| Tier 1 risk-based capital ratio | 12.1671% | 5,646 |
| Total risk-based capital ratio | 13.1408% | 5,847 |
| Memoranda: | ||
| Average total assets | $89,030,330 | 5,287 |
| Average earning assets | $84,554,670 | 5,177 |
| Average equity | $6,132,670 | 6,200 |
| Average total loans | $52,472,670 | 5,261 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 4,859 |
| Cost of funding earning assets | 0.8706% | 5,131 |
| Net interest margin | 3.7489% | 3,841 |
| Noninterest income to average assets | 0.4146% | 4,586 |
| Noninterest expense to average assets | 3.0281% | 3,526 |
| Loan and lease loss provision to assets | 0.2253% | 3,407 |
| Net operating income to assets | 0.4686% | 4,629 |
| Return on assets (ROA) | 0.4686% | 4,711 |
| Pretax return on assets | 0.7120% | 4,260 |
| Return on Equity (ROE) | 6.9723% | 3,396 |
| Retained earnings to average equity (ytd only) | 6.9723% | 2,160 |
| Net charge-offs to loans | 2.4531% | 473 |
| Credit loss provision to net charge-offs | 15.5280% | 4,326 |
| Earnings coverage of net charge-offs (x) | 0.6460% | 4,141 |
| Efficiency ratio | 76.3636% | 3,099 |
| Assets per employee ($millions) | 2.8706% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 6,561 |
| Loan loss allowance to noncurrent loans | 32.6626% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 3,741 |
| Noncurrent loans to loans | 2.8968% | 2,595 |
| Net loans and leases to total assets | 57.2918% | 4,749 |
| Net loans and leases to deposits | 61.7075% | 5,539 |
| Net loans and leases to core deposits | 63.6624% | 5,769 |
| Total domestic deposits to total assets | 92.8441% | 148 |
| Equity capital to assets | 6.7232% | 7,158 |
| Core capital (leverage) ratio | 7.2650% | 6,880 |
| Tier 1 risk-based capital ratio | 12.1382% | 5,564 |
| Total risk-based capital ratio | 13.0583% | 5,850 |
| Memoranda: | ||
| Average total assets | $88,768,000 | 5,325 |
| Average earning assets | $84,078,000 | 5,228 |
| Average equity | $5,966,500 | 6,261 |
| Average total loans | $52,504,500 | 5,308 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 5,116 |
| Cost of funding earning assets | 1.2333% | 4,335 |
| Net interest margin | 3.6464% | 4,590 |
| Noninterest income to average assets | 0.4982% | 4,183 |
| Noninterest expense to average assets | 3.0344% | 3,714 |
| Loan and lease loss provision to assets | 0.5446% | 2,966 |
| Net operating income to assets | 0.2661% | 5,049 |
| Return on assets (ROA) | 0.2661% | 5,218 |
| Pretax return on assets | 0.3872% | 4,986 |
| Return on Equity (ROE) | 3.6398% | 4,678 |
| Retained earnings to average equity (ytd only) | -2.5556% | 6,052 |
| Net charge-offs to loans | 0.3420% | 4,303 |
| Credit loss provision to net charge-offs | 268.7151% | 1,032 |
| Earnings coverage of net charge-offs (x) | 4.5978% | 2,872 |
| Efficiency ratio | 76.5059% | 2,963 |
| Assets per employee ($millions) | 2.7671% | 6,579 |
| Cash dividends to net income (ytd only)* | 170.2128% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 4,436 |
| Loan loss allowance to noncurrent loans | 42.2371% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 2.0295% | 3,316 |
| Noncurrent loans to loans | 3.3565% | 2,267 |
| Net loans and leases to total assets | 59.6063% | 4,747 |
| Net loans and leases to deposits | 64.1791% | 5,609 |
| Net loans and leases to core deposits | 66.2171% | 5,853 |
| Total domestic deposits to total assets | 92.8749% | 150 |
| Equity capital to assets | 6.7197% | 7,201 |
| Core capital (leverage) ratio | 7.1610% | 6,934 |
| Tier 1 risk-based capital ratio | 11.7168% | 5,714 |
| Total risk-based capital ratio | 12.9680% | 5,716 |
| Memoranda: | ||
| Average total assets | $88,320,800 | 5,337 |
| Average earning assets | $84,000,800 | 5,213 |
| Average equity | $6,456,400 | 6,214 |
| Average total loans | $52,341,000 | 5,393 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 4,655 |
| Cost of funding earning assets | 1.2950% | 4,245 |
| Net interest margin | 3.7392% | 4,236 |
| Noninterest income to average assets | 0.4592% | 4,488 |
| Noninterest expense to average assets | 2.9909% | 3,780 |
| Loan and lease loss provision to assets | 0.1526% | 5,515 |
| Net operating income to assets | 0.5740% | 3,988 |
| Return on assets (ROA) | 0.5740% | 4,152 |
| Pretax return on assets | 0.8792% | 3,627 |
| Return on Equity (ROE) | 7.6963% | 3,023 |
| Retained earnings to average equity (ytd only) | 1.6202% | 5,140 |
| Net charge-offs to loans | 0.2280% | 4,566 |
| Credit loss provision to net charge-offs | 113.4831% | 3,695 |
| Earnings coverage of net charge-offs (x) | 7.6744% | 2,285 |
| Efficiency ratio | 74.3522% | 3,257 |
| Assets per employee ($millions) | 2.7273% | 6,724 |
| Cash dividends to net income (ytd only)* | 78.9480% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,760 |
| Loan loss allowance to noncurrent loans | 24.3005% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 2.2114% | 3,182 |
| Noncurrent loans to loans | 3.6836% | 2,118 |
| Net loans and leases to total assets | 59.4970% | 5,004 |
| Net loans and leases to deposits | 64.6900% | 5,826 |
| Net loans and leases to core deposits | 66.7996% | 6,054 |
| Total domestic deposits to total assets | 91.9725% | 198 |
| Equity capital to assets | 7.6471% | 7,033 |
| Core capital (leverage) ratio | 7.3807% | 6,955 |
| Tier 1 risk-based capital ratio | 12.5790% | 4,916 |
| Total risk-based capital ratio | 13.4774% | 5,212 |
| Memoranda: | ||
| Average total assets | $88,264,500 | 5,406 |
| Average earning assets | $84,116,000 | 5,264 |
| Average equity | $6,583,000 | 6,244 |
| Average total loans | $52,041,750 | 5,478 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 4,525 |
| Cost of funding earning assets | 1.3606% | 4,117 |
| Net interest margin | 3.7261% | 4,247 |
| Noninterest income to average assets | 0.4854% | 4,232 |
| Noninterest expense to average assets | 2.8467% | 4,277 |
| Loan and lease loss provision to assets | 0.1038% | 5,880 |
| Net operating income to assets | 0.7156% | 3,328 |
| Return on assets (ROA) | 0.7156% | 3,481 |
| Pretax return on assets | 1.0836% | 2,832 |
| Return on Equity (ROE) | 9.6754% | 2,221 |
| Retained earnings to average equity (ytd only) | 3.5711% | 3,829 |
| Net charge-offs to loans | 0.2581% | 4,058 |
| Credit loss provision to net charge-offs | 68.6567% | 5,002 |
| Earnings coverage of net charge-offs (x) | 7.8507% | 2,223 |
| Efficiency ratio | 70.5652% | 4,067 |
| Assets per employee ($millions) | 2.8508% | 6,451 |
| Cash dividends to net income (ytd only)* | 63.0915% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,904 |
| Loan loss allowance to noncurrent loans | 34.8521% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3713% | 4,431 |
| Noncurrent loans to loans | 2.4401% | 3,206 |
| Net loans and leases to total assets | 55.7203% | 5,743 |
| Net loans and leases to deposits | 60.4524% | 6,371 |
| Net loans and leases to core deposits | 64.3851% | 6,369 |
| Total domestic deposits to total assets | 92.1723% | 195 |
| Equity capital to assets | 7.3498% | 7,195 |
| Core capital (leverage) ratio | 7.2968% | 7,001 |
| Tier 1 risk-based capital ratio | 13.0596% | 4,391 |
| Total risk-based capital ratio | 13.9218% | 4,689 |
| Memoranda: | ||
| Average total assets | $88,594,330 | 5,432 |
| Average earning assets | $84,377,000 | 5,283 |
| Average equity | $6,552,670 | 6,285 |
| Average total loans | $51,924,000 | 5,519 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 4,365 |
| Cost of funding earning assets | 1.3612% | 4,414 |
| Net interest margin | 3.7746% | 3,899 |
| Noninterest income to average assets | 0.4766% | 4,229 |
| Noninterest expense to average assets | 2.9698% | 3,779 |
| Loan and lease loss provision to assets | 0.1833% | 4,679 |
| Net operating income to assets | 0.6187% | 3,810 |
| Return on assets (ROA) | 0.6187% | 3,946 |
| Pretax return on assets | 0.9074% | 3,440 |
| Return on Equity (ROE) | 8.3378% | 2,719 |
| Retained earnings to average equity (ytd only) | 2.1617% | 4,837 |
| Net charge-offs to loans | 0.5359% | 2,461 |
| Credit loss provision to net charge-offs | 57.1429% | 4,357 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 2,919 |
| Efficiency ratio | 73.1377% | 3,735 |
| Assets per employee ($millions) | 2.7824% | 6,684 |
| Cash dividends to net income (ytd only)* | 74.0741% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 7,079 |
| Loan loss allowance to noncurrent loans | 151.9573% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 6,686 |
| Noncurrent loans to loans | 0.5391% | 6,210 |
| Net loans and leases to total assets | 58.0597% | 5,427 |
| Net loans and leases to deposits | 63.1377% | 6,155 |
| Net loans and leases to core deposits | 67.8755% | 6,113 |
| Total domestic deposits to total assets | 91.9572% | 253 |
| Equity capital to assets | 7.4060% | 7,131 |
| Core capital (leverage) ratio | 7.5164% | 6,837 |
| Tier 1 risk-based capital ratio | 11.9386% | 5,267 |
| Total risk-based capital ratio | 12.7204% | 5,686 |
| Memoranda: | ||
| Average total assets | $87,278,000 | 5,539 |
| Average earning assets | $82,869,500 | 5,404 |
| Average equity | $6,476,500 | 6,355 |
| Average total loans | $52,252,000 | 5,570 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6481% | 3,359 |
| Cost of funding earning assets | 1.6187% | 4,946 |
| Net interest margin | 4.0293% | 2,747 |
| Noninterest income to average assets | 0.6387% | 3,364 |
| Noninterest expense to average assets | 3.1280% | 3,624 |
| Loan and lease loss provision to assets | 0.0904% | 6,705 |
| Net operating income to assets | 0.8417% | 2,379 |
| Return on assets (ROA) | 0.8417% | 2,464 |
| Pretax return on assets | 1.2564% | 1,815 |
| Return on Equity (ROE) | 10.4259% | 1,572 |
| Retained earnings to average equity (ytd only) | 2.7598% | 3,227 |
| Net charge-offs to loans | 0.0414% | 6,697 |
| Credit loss provision to net charge-offs | 331.8182% | 984 |
| Earnings coverage of net charge-offs (x) | 49.4545% | 523 |
| Efficiency ratio | 69.9032% | 4,650 |
| Assets per employee ($millions) | 2.7587% | 6,737 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 6,913 |
| Loan loss allowance to noncurrent loans | 513.4831% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 7,087 |
| Noncurrent loans to loans | 0.1699% | 7,000 |
| Net loans and leases to total assets | 60.7180% | 5,227 |
| Net loans and leases to deposits | 65.9436% | 6,054 |
| Net loans and leases to core deposits | 81.3479% | 5,974 |
| Total domestic deposits to total assets | 92.0755% | 253 |
| Equity capital to assets | 7.4357% | 7,089 |
| Core capital (leverage) ratio | 7.8005% | 6,449 |
| Tier 1 risk-based capital ratio | 12.0446% | 4,910 |
| Total risk-based capital ratio | 12.8932% | 5,209 |
| Memoranda: | ||
| Average total assets | $80,787,400 | 5,706 |
| Average earning assets | $76,911,200 | 5,563 |
| Average equity | $6,522,200 | 6,417 |
| Average total loans | $53,109,000 | 5,541 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7650% | 3,042 |
| Cost of funding earning assets | 1.6640% | 5,091 |
| Net interest margin | 4.1011% | 2,390 |
| Noninterest income to average assets | 0.6666% | 3,243 |
| Noninterest expense to average assets | 3.2225% | 3,228 |
| Loan and lease loss provision to assets | 0.1223% | 6,136 |
| Net operating income to assets | 0.8257% | 2,706 |
| Return on assets (ROA) | 0.8257% | 2,767 |
| Pretax return on assets | 1.2311% | 2,161 |
| Return on Equity (ROE) | 10.0155% | 1,903 |
| Retained earnings to average equity (ytd only) | 1.8894% | 4,269 |
| Net charge-offs to loans | 0.0826% | 5,857 |
| Credit loss provision to net charge-offs | 221.2121% | 1,981 |
| Earnings coverage of net charge-offs (x) | 24.4843% | 1,088 |
| Efficiency ratio | 70.4246% | 4,505 |
| Assets per employee ($millions) | 2.6094% | 7,028 |
| Cash dividends to net income (ytd only)* | 81.1355% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,949 |
| Loan loss allowance to noncurrent loans | 293.4211% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 7,059 |
| Noncurrent loans to loans | 0.2898% | 6,784 |
| Net loans and leases to total assets | 64.2820% | 4,802 |
| Net loans and leases to deposits | 70.8125% | 5,810 |
| Net loans and leases to core deposits | 89.1050% | 5,519 |
| Total domestic deposits to total assets | 90.7778% | 489 |
| Equity capital to assets | 8.0441% | 6,809 |
| Core capital (leverage) ratio | 8.0241% | 6,317 |
| Tier 1 risk-based capital ratio | 12.3822% | 4,645 |
| Total risk-based capital ratio | 13.2452% | 4,918 |
| Memoranda: | ||
| Average total assets | $79,604,250 | 5,780 |
| Average earning assets | $75,880,750 | 5,634 |
| Average equity | $6,563,000 | 6,460 |
| Average total loans | $53,290,500 | 5,576 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 2,787 |
| Cost of funding earning assets | 1.7237% | 5,158 |
| Net interest margin | 4.1299% | 2,222 |
| Noninterest income to average assets | 0.6694% | 3,196 |
| Noninterest expense to average assets | 3.1955% | 3,346 |
| Loan and lease loss provision to assets | 0.0758% | 6,431 |
| Net operating income to assets | 0.8715% | 2,568 |
| Return on assets (ROA) | 0.8715% | 2,676 |
| Pretax return on assets | 1.3262% | 1,947 |
| Return on Equity (ROE) | 10.4837% | 1,855 |
| Retained earnings to average equity (ytd only) | 4.4062% | 2,847 |
| Net charge-offs to loans | 0.1605% | 4,597 |
| Credit loss provision to net charge-offs | 69.7674% | 5,420 |
| Earnings coverage of net charge-offs (x) | 12.9070% | 1,775 |
| Efficiency ratio | 69.5055% | 4,878 |
| Assets per employee ($millions) | 2.4522% | 7,342 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 7,335 |
| Loan loss allowance to noncurrent loans | 586.5672% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 7,370 |
| Noncurrent loans to loans | 0.1261% | 7,200 |
| Net loans and leases to total assets | 67.1904% | 4,316 |
| Net loans and leases to deposits | 74.5324% | 5,373 |
| Net loans and leases to core deposits | 92.2443% | 5,320 |
| Total domestic deposits to total assets | 90.1492% | 768 |
| Equity capital to assets | 8.3687% | 6,243 |
| Core capital (leverage) ratio | 8.1681% | 6,036 |
| Tier 1 risk-based capital ratio | 12.3507% | 4,640 |
| Total risk-based capital ratio | 13.1030% | 4,961 |
| Memoranda: | ||
| Average total assets | $79,175,000 | 5,828 |
| Average earning assets | $75,303,670 | 5,698 |
| Average equity | $6,581,670 | 6,505 |
| Average total loans | $53,572,330 | 5,614 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9229% | 2,682 |
| Cost of funding earning assets | 1.7642% | 5,294 |
| Net interest margin | 4.1588% | 2,054 |
| Noninterest income to average assets | 0.4979% | 4,332 |
| Noninterest expense to average assets | 3.0782% | 3,461 |
| Loan and lease loss provision to assets | 0.0754% | 6,013 |
| Net operating income to assets | 0.8852% | 2,759 |
| Return on assets (ROA) | 0.8852% | 2,908 |
| Pretax return on assets | 1.2926% | 2,308 |
| Return on Equity (ROE) | 10.6845% | 2,076 |
| Retained earnings to average equity (ytd only) | 4.6138% | 3,362 |
| Net charge-offs to loans | -0.0520% | 7,705 |
| Credit loss provision to net charge-offs | -214.2857% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 4,731 |
| Assets per employee ($millions) | 2.5218% | 7,238 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 7,195 |
| Loan loss allowance to noncurrent loans | 403.7736% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 7,182 |
| Noncurrent loans to loans | 0.1955% | 6,974 |
| Net loans and leases to total assets | 68.8238% | 3,951 |
| Net loans and leases to deposits | 78.1350% | 4,903 |
| Net loans and leases to core deposits | 96.5527% | 4,894 |
| Total domestic deposits to total assets | 88.0831% | 1,711 |
| Equity capital to assets | 8.4400% | 6,163 |
| Core capital (leverage) ratio | 8.1466% | 6,189 |
| Tier 1 risk-based capital ratio | 12.0822% | 4,896 |
| Total risk-based capital ratio | 12.8923% | 5,175 |
| Memoranda: | ||
| Average total assets | $79,527,000 | 5,844 |
| Average earning assets | $75,503,000 | 5,714 |
| Average equity | $6,589,000 | 6,550 |
| Average total loans | $53,799,500 | 5,640 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1595% | 4,729 |
| Cost of funding earning assets | 2.3292% | 5,014 |
| Net interest margin | 3.8303% | 3,893 |
| Noninterest income to average assets | 0.6210% | 3,705 |
| Noninterest expense to average assets | 2.9113% | 4,411 |
| Loan and lease loss provision to assets | 0.0184% | 7,156 |
| Net operating income to assets | 0.9132% | 2,949 |
| Return on assets (ROA) | 0.9132% | 2,799 |
| Pretax return on assets | 1.3525% | 2,118 |
| Return on Equity (ROE) | 11.5772% | 1,724 |
| Retained earnings to average equity (ytd only) | 3.7968% | 2,769 |
| Net charge-offs to loans | 0.0165% | 6,645 |
| Credit loss provision to net charge-offs | 187.5000% | 2,642 |
| Earnings coverage of net charge-offs (x) | 139.6250% | 324 |
| Efficiency ratio | 67.9851% | 4,724 |
| Assets per employee ($millions) | 2.4509% | 7,297 |
| Cash dividends to net income (ytd only)* | 67.2043% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 7,243 |
| Loan loss allowance to noncurrent loans | 1,127.7778% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 7,406 |
| Noncurrent loans to loans | 0.0675% | 7,236 |
| Net loans and leases to total assets | 65.4830% | 4,955 |
| Net loans and leases to deposits | 72.6313% | 5,990 |
| Net loans and leases to core deposits | 92.7092% | 5,565 |
| Total domestic deposits to total assets | 90.1581% | 588 |
| Equity capital to assets | 8.1356% | 6,646 |
| Core capital (leverage) ratio | 7.7706% | 6,842 |
| Tier 1 risk-based capital ratio | 12.0815% | 4,755 |
| Total risk-based capital ratio | 12.8591% | 5,037 |
| Memoranda: | ||
| Average total assets | $81,476,000 | 5,645 |
| Average earning assets | $77,879,600 | 5,511 |
| Average equity | $6,426,400 | 6,668 |
| Average total loans | $48,583,200 | 5,753 |