Home > The State Bank > Performance and Condition Ratios
The State 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 | 5.2505% | 1,573 |
| Cost of funding earning assets | 0.5352% | 4,162 |
| Net interest margin | 4.7153% | 469 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.4425% | 2,465 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.7972% | 615 |
| Return on assets (ROA) | 1.7972% | 592 |
| Pretax return on assets | 2.3107% | 426 |
| Return on Equity (ROE) | 12.3200% | 1,888 |
| Retained earnings to average equity (ytd only) | 12.3171% | 601 |
| Net charge-offs to loans | 0.0160% | 2,063 |
| Credit loss provision to net charge-offs | 700.0000% | 527 |
| Earnings coverage of net charge-offs (x) | 338.0000% | 398 |
| Efficiency ratio | 50.8642% | 3,918 |
| Assets per employee ($millions) | 4.7697% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 978 |
| Loan loss allowance to noncurrent loans | 318.9286% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 2,097 |
| Noncurrent loans to loans | 0.4799% | 1,586 |
| Net loans and leases to total assets | 46.3300% | 3,800 |
| Net loans and leases to deposits | 55.5146% | 3,733 |
| Net loans and leases to core deposits | 57.4878% | 3,859 |
| Total domestic deposits to total assets | 83.4500% | 2,763 |
| Equity capital to assets | 16.3792% | 432 |
| Core capital (leverage) ratio | 17.9370% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0573% | 218 |
| Memoranda: | ||
| Average total assets | $128,923,800 | 3,559 |
| Average earning assets | $117,151,600 | 3,572 |
| Average equity | $18,811,200 | 2,949 |
| Average total loans | $56,312,600 | 3,752 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 1,540 |
| Cost of funding earning assets | 0.4738% | 4,171 |
| Net interest margin | 4.6802% | 473 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.3193% | 2,729 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.7497% | 726 |
| Return on assets (ROA) | 1.7497% | 713 |
| Pretax return on assets | 2.3930% | 428 |
| Return on Equity (ROE) | 12.3500% | 2,040 |
| Retained earnings to average equity (ytd only) | 12.3523% | 913 |
| Net charge-offs to loans | 0.0263% | 1,542 |
| Credit loss provision to net charge-offs | 572.7273% | 574 |
| Earnings coverage of net charge-offs (x) | 218.0909% | 560 |
| Efficiency ratio | 48.5524% | 4,010 |
| Assets per employee ($millions) | 4.8668% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,039 |
| Loan loss allowance to noncurrent loans | 313.7324% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 2,088 |
| Noncurrent loans to loans | 0.4871% | 1,604 |
| Net loans and leases to total assets | 47.1900% | 3,777 |
| Net loans and leases to deposits | 55.9641% | 3,713 |
| Net loans and leases to core deposits | 57.7937% | 3,787 |
| Total domestic deposits to total assets | 84.3300% | 2,678 |
| Equity capital to assets | 15.4172% | 494 |
| Core capital (leverage) ratio | 17.5096% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0077% | 254 |
| Memoranda: | ||
| Average total assets | $130,152,000 | 3,560 |
| Average earning assets | $118,198,250 | 3,579 |
| Average equity | $18,436,000 | 2,970 |
| Average total loans | $55,804,750 | 3,771 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 1,577 |
| Cost of funding earning assets | 0.4579% | 4,065 |
| Net interest margin | 4.5346% | 586 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.2936% | 2,826 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.6965% | 789 |
| Return on assets (ROA) | 1.6965% | 790 |
| Pretax return on assets | 2.3056% | 465 |
| Return on Equity (ROE) | 12.3100% | 2,065 |
| Retained earnings to average equity (ytd only) | 12.3086% | 927 |
| Net charge-offs to loans | -0.0036% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.4327% | 3,974 |
| Assets per employee ($millions) | 5.0702% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,097 |
| Loan loss allowance to noncurrent loans | 309.6429% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 2,132 |
| Noncurrent loans to loans | 0.4936% | 1,479 |
| Net loans and leases to total assets | 42.3700% | 3,951 |
| Net loans and leases to deposits | 49.5603% | 3,936 |
| Net loans and leases to core deposits | 51.0287% | 3,988 |
| Total domestic deposits to total assets | 85.4900% | 2,394 |
| Equity capital to assets | 14.2825% | 606 |
| Core capital (leverage) ratio | 16.0356% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7522% | 246 |
| Memoranda: | ||
| Average total assets | $132,979,667 | 3,540 |
| Average earning assets | $120,980,333 | 3,552 |
| Average equity | $18,328,667 | 2,998 |
| Average total loans | $54,970,000 | 3,793 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 1,606 |
| Cost of funding earning assets | 0.3894% | 3,991 |
| Net interest margin | 4.4156% | 663 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.2762% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7012% | 820 |
| Return on assets (ROA) | 1.7012% | 815 |
| Pretax return on assets | 2.2762% | 511 |
| Return on Equity (ROE) | 12.5700% | 2,086 |
| Retained earnings to average equity (ytd only) | 12.5671% | 1,169 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.0000% | 3,935 |
| Assets per employee ($millions) | 5.3789% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,047 |
| Loan loss allowance to noncurrent loans | 299.6429% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,093 |
| Noncurrent loans to loans | 0.5277% | 1,401 |
| Net loans and leases to total assets | 38.8400% | 4,086 |
| Net loans and leases to deposits | 45.2498% | 4,061 |
| Net loans and leases to core deposits | 46.5563% | 4,094 |
| Total domestic deposits to total assets | 85.8300% | 2,642 |
| Equity capital to assets | 13.8103% | 619 |
| Core capital (leverage) ratio | 15.7738% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0350% | 245 |
| Memoranda: | ||
| Average total assets | $133,556,500 | 3,581 |
| Average earning assets | $121,208,000 | 3,588 |
| Average equity | $18,079,000 | 3,044 |
| Average total loans | $54,094,000 | 3,849 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 2,426 |
| Cost of funding earning assets | 0.1336% | 4,212 |
| Net interest margin | 3.6080% | 1,624 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.4724% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0978% | 2,183 |
| Return on assets (ROA) | 1.0978% | 2,121 |
| Pretax return on assets | 1.3685% | 1,872 |
| Return on Equity (ROE) | 8.2400% | 3,319 |
| Retained earnings to average equity (ytd only) | 8.2433% | 1,741 |
| Net charge-offs to loans | 0.0091% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 362.0000% | 422 |
| Efficiency ratio | 64.3701% | 2,451 |
| Assets per employee ($millions) | 5.1016% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 1,141 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 40.9300% | 4,030 |
| Net loans and leases to deposits | 47.2924% | 4,001 |
| Net loans and leases to core deposits | 48.6638% | 4,033 |
| Total domestic deposits to total assets | 86.5400% | 2,557 |
| Equity capital to assets | 13.2591% | 666 |
| Core capital (leverage) ratio | 15.2581% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $132,262,000 | 3,607 |
| Average earning assets | $120,536,800 | 3,618 |
| Average equity | $17,614,400 | 3,157 |
| Average total loans | $55,018,000 | 3,826 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 2,759 |
| Cost of funding earning assets | 0.1008% | 4,279 |
| Net interest margin | 3.3548% | 2,121 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.5018% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8060% | 3,237 |
| Return on assets (ROA) | 0.8060% | 3,199 |
| Pretax return on assets | 1.0663% | 2,823 |
| Return on Equity (ROE) | 6.0500% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.0456% | 2,736 |
| Net charge-offs to loans | 0.0121% | 1,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 211.4000% | 605 |
| Efficiency ratio | 70.1159% | 1,747 |
| Assets per employee ($millions) | 4.9087% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 1,236 |
| Loan loss allowance to noncurrent loans | 5,992.8571% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 3,873 |
| Noncurrent loans to loans | 0.0254% | 3,720 |
| Net loans and leases to total assets | 40.9100% | 4,037 |
| Net loans and leases to deposits | 47.0140% | 3,990 |
| Net loans and leases to core deposits | 48.3699% | 4,019 |
| Total domestic deposits to total assets | 87.0300% | 2,749 |
| Equity capital to assets | 12.5966% | 751 |
| Core capital (leverage) ratio | 14.6019% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8222% | 292 |
| Memoranda: | ||
| Average total assets | $132,167,250 | 3,638 |
| Average earning assets | $120,382,000 | 3,640 |
| Average equity | $17,621,250 | 3,187 |
| Average total loans | $54,991,500 | 3,834 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2505% | 2,897 |
| Cost of funding earning assets | 0.0996% | 4,194 |
| Net interest margin | 3.1509% | 2,360 |
| Noninterest income to average assets | 0.5180% | 2,095 |
| Noninterest expense to average assets | 2.5446% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6543% | 3,461 |
| Return on assets (ROA) | 0.6543% | 3,412 |
| Pretax return on assets | 0.8482% | 3,210 |
| Return on Equity (ROE) | 4.8187% | 3,852 |
| Retained earnings to average equity (ytd only) | 4.8187% | 2,777 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,389 |
| Assets per employee ($millions) | 4.7426% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,210 |
| Loan loss allowance to noncurrent loans | 2,058.5366% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,668 |
| Noncurrent loans to loans | 0.0765% | 3,409 |
| Net loans and leases to total assets | 39.7254% | 4,083 |
| Net loans and leases to deposits | 45.7413% | 4,040 |
| Net loans and leases to core deposits | 47.0593% | 4,083 |
| Total domestic deposits to total assets | 86.8481% | 2,996 |
| Equity capital to assets | 12.8861% | 681 |
| Core capital (leverage) ratio | 14.2182% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2215% | 266 |
| Memoranda: | ||
| Average total assets | $132,044,333 | 3,680 |
| Average earning assets | $120,474,667 | 3,697 |
| Average equity | $17,930,000 | 3,243 |
| Average total loans | $54,967,000 | 3,877 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1607% | 2,798 |
| Cost of funding earning assets | 0.1034% | 4,094 |
| Net interest margin | 3.0574% | 2,307 |
| Noninterest income to average assets | 0.5164% | 2,063 |
| Noninterest expense to average assets | 2.5215% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5711% | 3,492 |
| Return on assets (ROA) | 0.5711% | 3,469 |
| Pretax return on assets | 0.7807% | 3,167 |
| Return on Equity (ROE) | 4.1006% | 3,848 |
| Retained earnings to average equity (ytd only) | 4.1006% | 2,899 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3569% | 1,482 |
| Assets per employee ($millions) | 4.9974% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,416 |
| Loan loss allowance to noncurrent loans | 148.5915% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 1,443 |
| Noncurrent loans to loans | 1.0392% | 869 |
| Net loans and leases to total assets | 39.8829% | 4,021 |
| Net loans and leases to deposits | 46.0149% | 3,971 |
| Net loans and leases to core deposits | 47.3211% | 4,014 |
| Total domestic deposits to total assets | 86.6738% | 3,045 |
| Equity capital to assets | 13.1305% | 665 |
| Core capital (leverage) ratio | 14.6548% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6492% | 274 |
| Memoranda: | ||
| Average total assets | $131,669,500 | 3,706 |
| Average earning assets | $119,973,000 | 3,715 |
| Average equity | $18,339,000 | 3,292 |
| Average total loans | $55,652,000 | 3,875 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5924% | 2,412 |
| Cost of funding earning assets | 0.1518% | 3,950 |
| Net interest margin | 3.4406% | 1,905 |
| Noninterest income to average assets | 0.4867% | 2,639 |
| Noninterest expense to average assets | 2.7035% | 1,626 |
| Loan and lease loss provision to assets | -0.2635% | 4,755 |
| Net operating income to assets | 0.9522% | 2,862 |
| Return on assets (ROA) | 0.9522% | 2,934 |
| Pretax return on assets | 1.1928% | 2,686 |
| Return on Equity (ROE) | 6.6117% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.6117% | 2,074 |
| Net charge-offs to loans | -0.3666% | 4,764 |
| Credit loss provision to net charge-offs | 155.3488% | 1,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4191% | 1,259 |
| Assets per employee ($millions) | 4.4279% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,588 |
| Loan loss allowance to noncurrent loans | 93.8821% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 909 |
| Noncurrent loans to loans | 1.5870% | 555 |
| Net loans and leases to total assets | 43.4565% | 3,877 |
| Net loans and leases to deposits | 51.1241% | 3,791 |
| Net loans and leases to core deposits | 52.6782% | 3,846 |
| Total domestic deposits to total assets | 85.0018% | 3,268 |
| Equity capital to assets | 14.7661% | 526 |
| Core capital (leverage) ratio | 14.2786% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8500% | 282 |
| Memoranda: | ||
| Average total assets | $126,760,800 | 3,724 |
| Average earning assets | $115,911,200 | 3,739 |
| Average equity | $18,255,600 | 3,365 |
| Average total loans | $58,651,000 | 3,837 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 2,201 |
| Cost of funding earning assets | 0.1630% | 3,990 |
| Net interest margin | 3.5647% | 1,689 |
| Noninterest income to average assets | 0.4960% | 2,637 |
| Noninterest expense to average assets | 2.7363% | 1,491 |
| Loan and lease loss provision to assets | -0.3522% | 4,844 |
| Net operating income to assets | 1.0827% | 2,617 |
| Return on assets (ROA) | 1.0827% | 2,676 |
| Pretax return on assets | 1.3666% | 2,446 |
| Return on Equity (ROE) | 7.5665% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.5665% | 2,194 |
| Net charge-offs to loans | -0.4846% | 4,841 |
| Credit loss provision to net charge-offs | 155.3488% | 1,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9600% | 1,312 |
| Assets per employee ($millions) | 4.3307% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 1,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.8014% | 3,883 |
| Net loans and leases to deposits | 52.7142% | 3,834 |
| Net loans and leases to core deposits | 54.2961% | 3,897 |
| Total domestic deposits to total assets | 84.9892% | 3,116 |
| Equity capital to assets | 14.5597% | 630 |
| Core capital (leverage) ratio | 14.3811% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1529% | 366 |
| Memoranda: | ||
| Average total assets | $126,348,750 | 3,759 |
| Average earning assets | $115,352,000 | 3,784 |
| Average equity | $18,079,250 | 3,421 |
| Average total loans | $59,152,250 | 3,884 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 2,266 |
| Cost of funding earning assets | 0.1766% | 3,980 |
| Net interest margin | 3.5495% | 1,714 |
| Noninterest income to average assets | 0.4730% | 2,741 |
| Noninterest expense to average assets | 2.7038% | 1,585 |
| Loan and lease loss provision to assets | -0.5337% | 4,912 |
| Net operating income to assets | 1.1937% | 2,211 |
| Return on assets (ROA) | 1.1937% | 2,281 |
| Pretax return on assets | 1.5468% | 1,883 |
| Return on Equity (ROE) | 8.3931% | 3,284 |
| Retained earnings to average equity (ytd only) | 8.3931% | 1,939 |
| Net charge-offs to loans | -0.7198% | 4,887 |
| Credit loss provision to net charge-offs | 156.8075% | 1,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7429% | 1,358 |
| Assets per employee ($millions) | 4.3952% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,858 |
| Loan loss allowance to noncurrent loans | 230.4110% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 2,499 |
| Noncurrent loans to loans | 0.6198% | 1,859 |
| Net loans and leases to total assets | 45.5414% | 3,934 |
| Net loans and leases to deposits | 54.1109% | 3,853 |
| Net loans and leases to core deposits | 55.9267% | 3,892 |
| Total domestic deposits to total assets | 84.1631% | 3,376 |
| Equity capital to assets | 14.6326% | 594 |
| Core capital (leverage) ratio | 14.3407% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8747% | 383 |
| Memoranda: | ||
| Average total assets | $125,158,333 | 3,792 |
| Average earning assets | $114,383,667 | 3,805 |
| Average equity | $17,800,333 | 3,446 |
| Average total loans | $59,186,333 | 3,911 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 2,961 |
| Cost of funding earning assets | 0.1805% | 4,078 |
| Net interest margin | 3.3089% | 2,368 |
| Noninterest income to average assets | 0.4742% | 2,731 |
| Noninterest expense to average assets | 2.3483% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9129% | 3,098 |
| Return on assets (ROA) | 0.9129% | 3,174 |
| Pretax return on assets | 1.1419% | 3,007 |
| Return on Equity (ROE) | 6.5151% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.5151% | 2,725 |
| Net charge-offs to loans | -0.0067% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2828% | 2,033 |
| Assets per employee ($millions) | 4.2999% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,270 |
| Loan loss allowance to noncurrent loans | 57.6210% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 370 |
| Noncurrent loans to loans | 2.7917% | 297 |
| Net loans and leases to total assets | 47.2854% | 3,878 |
| Net loans and leases to deposits | 55.7426% | 3,811 |
| Net loans and leases to core deposits | 58.0040% | 3,834 |
| Total domestic deposits to total assets | 84.8281% | 3,177 |
| Equity capital to assets | 14.0155% | 668 |
| Core capital (leverage) ratio | 13.7412% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8731% | 460 |
| Memoranda: | ||
| Average total assets | $124,006,500 | 3,815 |
| Average earning assets | $113,029,500 | 3,827 |
| Average equity | $17,375,000 | 3,478 |
| Average total loans | $59,335,000 | 3,926 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 1,677 |
| Cost of funding earning assets | 0.2636% | 4,326 |
| Net interest margin | 4.1019% | 780 |
| Noninterest income to average assets | 0.5521% | 2,412 |
| Noninterest expense to average assets | 3.0575% | 1,312 |
| Loan and lease loss provision to assets | 0.1276% | 2,765 |
| Net operating income to assets | 0.8768% | 2,802 |
| Return on assets (ROA) | 0.8768% | 2,937 |
| Pretax return on assets | 1.0556% | 2,851 |
| Return on Equity (ROE) | 6.0171% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.7065% | 2,412 |
| Net charge-offs to loans | 0.0064% | 3,117 |
| Credit loss provision to net charge-offs | 3,675.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 340.7500% | 315 |
| Efficiency ratio | 72.0983% | 1,670 |
| Assets per employee ($millions) | 4.5672% | 3,850 |
| Cash dividends to net income (ytd only)* | 21.7822% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 1,195 |
| Loan loss allowance to noncurrent loans | 62.2495% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.5124% | 478 |
| Noncurrent loans to loans | 2.6336% | 372 |
| Net loans and leases to total assets | 46.8548% | 4,068 |
| Net loans and leases to deposits | 55.2983% | 4,047 |
| Net loans and leases to core deposits | 57.4030% | 4,077 |
| Total domestic deposits to total assets | 84.7310% | 2,860 |
| Equity capital to assets | 14.0072% | 795 |
| Core capital (leverage) ratio | 13.5691% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0585% | 434 |
| Memoranda: | ||
| Average total assets | $115,192,800 | 3,806 |
| Average earning assets | $103,585,200 | 3,851 |
| Average equity | $16,785,400 | 3,472 |
| Average total loans | $62,865,000 | 3,870 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 1,662 |
| Cost of funding earning assets | 0.2698% | 4,433 |
| Net interest margin | 4.1948% | 742 |
| Noninterest income to average assets | 0.5240% | 2,508 |
| Noninterest expense to average assets | 2.8687% | 1,777 |
| Loan and lease loss provision to assets | 0.1731% | 2,252 |
| Net operating income to assets | 0.9963% | 2,351 |
| Return on assets (ROA) | 0.9963% | 2,482 |
| Pretax return on assets | 1.2353% | 2,276 |
| Return on Equity (ROE) | 6.7458% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.1351% | 2,505 |
| Net charge-offs to loans | 0.0042% | 3,008 |
| Credit loss provision to net charge-offs | 7,350.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 598.0000% | 203 |
| Efficiency ratio | 67.0705% | 2,306 |
| Assets per employee ($millions) | 4.2231% | 4,121 |
| Cash dividends to net income (ytd only)* | 23.8771% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 1,305 |
| Loan loss allowance to noncurrent loans | 72.1017% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.7125% | 451 |
| Noncurrent loans to loans | 2.1200% | 559 |
| Net loans and leases to total assets | 52.5193% | 3,928 |
| Net loans and leases to deposits | 62.4128% | 3,904 |
| Net loans and leases to core deposits | 64.9107% | 3,957 |
| Total domestic deposits to total assets | 84.1483% | 2,768 |
| Equity capital to assets | 14.4825% | 738 |
| Core capital (leverage) ratio | 13.9591% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5762% | 479 |
| Memoranda: | ||
| Average total assets | $113,219,750 | 3,827 |
| Average earning assets | $101,296,750 | 3,872 |
| Average equity | $16,721,000 | 3,476 |
| Average total loans | $63,895,750 | 3,864 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 1,674 |
| Cost of funding earning assets | 0.2810% | 4,531 |
| Net interest margin | 4.3059% | 743 |
| Noninterest income to average assets | 0.5505% | 2,349 |
| Noninterest expense to average assets | 2.7845% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2946% | 1,370 |
| Return on assets (ROA) | 1.2946% | 1,480 |
| Pretax return on assets | 1.6119% | 1,199 |
| Return on Equity (ROE) | 8.7060% | 2,490 |
| Retained earnings to average equity (ytd only) | 8.7060% | 1,104 |
| Net charge-offs to loans | -0.0031% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3361% | 2,908 |
| Assets per employee ($millions) | 4.0481% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,274 |
| Loan loss allowance to noncurrent loans | 81.1265% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.5060% | 618 |
| Noncurrent loans to loans | 1.5362% | 982 |
| Net loans and leases to total assets | 55.4177% | 3,740 |
| Net loans and leases to deposits | 66.0176% | 3,721 |
| Net loans and leases to core deposits | 68.6835% | 3,819 |
| Total domestic deposits to total assets | 83.9438% | 2,761 |
| Equity capital to assets | 14.6404% | 697 |
| Core capital (leverage) ratio | 14.2412% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6506% | 615 |
| Memoranda: | ||
| Average total assets | $111,544,333 | 3,842 |
| Average earning assets | $99,630,667 | 3,885 |
| Average equity | $16,586,333 | 3,492 |
| Average total loans | $64,172,333 | 3,872 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 1,573 |
| Cost of funding earning assets | 0.3022% | 4,655 |
| Net interest margin | 4.4420% | 576 |
| Noninterest income to average assets | 0.6923% | 1,678 |
| Noninterest expense to average assets | 2.8650% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4215% | 940 |
| Return on assets (ROA) | 1.4215% | 1,012 |
| Pretax return on assets | 1.7787% | 734 |
| Return on Equity (ROE) | 9.4805% | 1,922 |
| Retained earnings to average equity (ytd only) | 9.4805% | 851 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6971% | 3,531 |
| Assets per employee ($millions) | 3.7310% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,246 |
| Loan loss allowance to noncurrent loans | 115.1685% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.3115% | 889 |
| Noncurrent loans to loans | 1.1091% | 1,496 |
| Net loans and leases to total assets | 56.6216% | 3,789 |
| Net loans and leases to deposits | 67.6617% | 3,749 |
| Net loans and leases to core deposits | 70.6320% | 3,841 |
| Total domestic deposits to total assets | 83.6834% | 2,893 |
| Equity capital to assets | 14.7227% | 828 |
| Core capital (leverage) ratio | 15.0163% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7760% | 669 |
| Memoranda: | ||
| Average total assets | $108,619,500 | 3,862 |
| Average earning assets | $96,624,000 | 3,915 |
| Average equity | $16,286,000 | 3,531 |
| Average total loans | $63,319,500 | 3,901 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 1,495 |
| Cost of funding earning assets | 0.2935% | 4,744 |
| Net interest margin | 4.7021% | 468 |
| Noninterest income to average assets | 0.5583% | 2,433 |
| Noninterest expense to average assets | 3.2266% | 1,456 |
| Loan and lease loss provision to assets | 0.0984% | 2,081 |
| Net operating income to assets | 1.1601% | 2,217 |
| Return on assets (ROA) | 1.1601% | 2,310 |
| Pretax return on assets | 1.4316% | 2,035 |
| Return on Equity (ROE) | 7.9762% | 3,169 |
| Retained earnings to average equity (ytd only) | 6.3237% | 1,708 |
| Net charge-offs to loans | 0.1216% | 1,541 |
| Credit loss provision to net charge-offs | 138.6667% | 1,857 |
| Earnings coverage of net charge-offs (x) | 21.5600% | 1,883 |
| Efficiency ratio | 67.8337% | 2,488 |
| Assets per employee ($millions) | 3.3971% | 4,568 |
| Cash dividends to net income (ytd only)* | 20.7178% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 1,861 |
| Loan loss allowance to noncurrent loans | 115.1685% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 757 |
| Noncurrent loans to loans | 1.1402% | 1,322 |
| Net loans and leases to total assets | 58.5158% | 3,725 |
| Net loans and leases to deposits | 70.4794% | 3,632 |
| Net loans and leases to core deposits | 73.3738% | 3,771 |
| Total domestic deposits to total assets | 83.0254% | 3,183 |
| Equity capital to assets | 15.2815% | 731 |
| Core capital (leverage) ratio | 14.8772% | 712 |
| Tier 1 risk-based capital ratio | 20.9878% | 1,168 |
| Total risk-based capital ratio | 22.0817% | 1,169 |
| Memoranda: | ||
| Average total assets | $105,684,000 | 3,905 |
| Average earning assets | $94,362,600 | 3,958 |
| Average equity | $15,370,800 | 3,602 |
| Average total loans | $61,701,600 | 3,952 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 1,646 |
| Cost of funding earning assets | 0.2856% | 4,829 |
| Net interest margin | 4.6759% | 519 |
| Noninterest income to average assets | 0.5143% | 2,641 |
| Noninterest expense to average assets | 3.1928% | 1,481 |
| Loan and lease loss provision to assets | 0.0996% | 1,929 |
| Net operating income to assets | 1.1432% | 2,396 |
| Return on assets (ROA) | 1.1432% | 2,484 |
| Pretax return on assets | 1.4105% | 2,271 |
| Return on Equity (ROE) | 7.9610% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.2144% | 2,279 |
| Net charge-offs to loans | 0.1734% | 978 |
| Credit loss provision to net charge-offs | 98.7500% | 2,299 |
| Earnings coverage of net charge-offs (x) | 14.9755% | 2,221 |
| Efficiency ratio | 67.8906% | 2,440 |
| Assets per employee ($millions) | 3.3992% | 4,594 |
| Cash dividends to net income (ytd only)* | 21.9408% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,216 |
| Loan loss allowance to noncurrent loans | 155.5118% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 1,055 |
| Noncurrent loans to loans | 0.8060% | 1,955 |
| Net loans and leases to total assets | 59.0633% | 3,765 |
| Net loans and leases to deposits | 71.0544% | 3,686 |
| Net loans and leases to core deposits | 73.9529% | 3,834 |
| Total domestic deposits to total assets | 83.1241% | 3,119 |
| Equity capital to assets | 15.0757% | 832 |
| Core capital (leverage) ratio | 14.7563% | 801 |
| Tier 1 risk-based capital ratio | 20.3436% | 1,312 |
| Total risk-based capital ratio | 21.3826% | 1,314 |
| Memoranda: | ||
| Average total assets | $105,777,500 | 3,945 |
| Average earning assets | $94,752,500 | 4,003 |
| Average equity | $15,190,250 | 3,653 |
| Average total loans | $61,516,250 | 3,997 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8527% | 1,902 |
| Cost of funding earning assets | 0.2824% | 4,873 |
| Net interest margin | 4.5704% | 657 |
| Noninterest income to average assets | 0.5419% | 2,424 |
| Noninterest expense to average assets | 3.0684% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2633% | 1,899 |
| Return on assets (ROA) | 1.2633% | 1,969 |
| Pretax return on assets | 1.5692% | 1,643 |
| Return on Equity (ROE) | 8.9417% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.9417% | 1,044 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1645% | 2,790 |
| Assets per employee ($millions) | 3.3378% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,242 |
| Loan loss allowance to noncurrent loans | 87.0187% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.5589% | 701 |
| Noncurrent loans to loans | 1.4379% | 1,074 |
| Net loans and leases to total assets | 58.4451% | 3,870 |
| Net loans and leases to deposits | 69.8427% | 3,856 |
| Net loans and leases to core deposits | 72.6198% | 3,968 |
| Total domestic deposits to total assets | 83.6810% | 2,983 |
| Equity capital to assets | 14.4914% | 950 |
| Core capital (leverage) ratio | 14.6661% | 781 |
| Tier 1 risk-based capital ratio | 20.1444% | 1,324 |
| Total risk-based capital ratio | 21.1772% | 1,336 |
| Memoranda: | ||
| Average total assets | $105,917,000 | 3,961 |
| Average earning assets | $94,915,330 | 4,014 |
| Average equity | $14,963,670 | 3,682 |
| Average total loans | $61,012,330 | 4,027 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 1,981 |
| Cost of funding earning assets | 0.2840% | 4,888 |
| Net interest margin | 4.4884% | 761 |
| Noninterest income to average assets | 0.5347% | 2,366 |
| Noninterest expense to average assets | 3.1326% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1529% | 2,249 |
| Return on assets (ROA) | 1.1529% | 2,302 |
| Pretax return on assets | 1.4184% | 2,018 |
| Return on Equity (ROE) | 8.2685% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.2685% | 1,564 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8333% | 2,523 |
| Assets per employee ($millions) | 3.2780% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,044 |
| Loan loss allowance to noncurrent loans | 85.4212% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.6035% | 713 |
| Noncurrent loans to loans | 1.5340% | 1,048 |
| Net loans and leases to total assets | 56.7934% | 3,997 |
| Net loans and leases to deposits | 67.7439% | 3,947 |
| Net loans and leases to core deposits | 70.8245% | 4,018 |
| Total domestic deposits to total assets | 83.8354% | 3,105 |
| Equity capital to assets | 14.1845% | 978 |
| Core capital (leverage) ratio | 14.5588% | 799 |
| Tier 1 risk-based capital ratio | 20.2629% | 1,295 |
| Total risk-based capital ratio | 21.3269% | 1,298 |
| Memoranda: | ||
| Average total assets | $105,471,500 | 4,015 |
| Average earning assets | $94,377,000 | 4,070 |
| Average equity | $14,706,500 | 3,722 |
| Average total loans | $59,911,000 | 4,087 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 1,528 |
| Cost of funding earning assets | 0.2377% | 4,863 |
| Net interest margin | 4.5719% | 650 |
| Noninterest income to average assets | 0.6160% | 2,212 |
| Noninterest expense to average assets | 3.0724% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3106% | 1,753 |
| Return on assets (ROA) | 1.3106% | 1,737 |
| Pretax return on assets | 1.6344% | 1,362 |
| Return on Equity (ROE) | 9.6829% | 2,647 |
| Retained earnings to average equity (ytd only) | 7.2197% | 1,570 |
| Net charge-offs to loans | 0.0130% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 213.2500% | 434 |
| Efficiency ratio | 65.2758% | 2,992 |
| Assets per employee ($millions) | 3.2135% | 4,821 |
| Cash dividends to net income (ytd only)* | 25.4386% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 1,903 |
| Loan loss allowance to noncurrent loans | 83.8812% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 705 |
| Noncurrent loans to loans | 1.5860% | 927 |
| Net loans and leases to total assets | 55.3208% | 4,177 |
| Net loans and leases to deposits | 65.6153% | 4,146 |
| Net loans and leases to core deposits | 68.7374% | 4,194 |
| Total domestic deposits to total assets | 84.3107% | 2,905 |
| Equity capital to assets | 13.7052% | 1,063 |
| Core capital (leverage) ratio | 13.9762% | 929 |
| Tier 1 risk-based capital ratio | 19.8710% | 1,328 |
| Total risk-based capital ratio | 20.9360% | 1,331 |
| Memoranda: | ||
| Average total assets | $104,379,400 | 4,025 |
| Average earning assets | $93,395,600 | 4,075 |
| Average equity | $14,128,000 | 3,733 |
| Average total loans | $61,635,400 | 4,055 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,409 |
| Cost of funding earning assets | 0.2265% | 4,911 |
| Net interest margin | 4.5800% | 621 |
| Noninterest income to average assets | 0.5527% | 2,553 |
| Noninterest expense to average assets | 3.1075% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2863% | 1,908 |
| Return on assets (ROA) | 1.2863% | 1,911 |
| Pretax return on assets | 1.5428% | 1,759 |
| Return on Equity (ROE) | 9.5341% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.6520% | 1,820 |
| Net charge-offs to loans | 0.0107% | 3,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 240.4738% | 380 |
| Efficiency ratio | 66.8229% | 2,748 |
| Assets per employee ($millions) | 3.5107% | 4,549 |
| Cash dividends to net income (ytd only)* | 19.7405% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,268 |
| Loan loss allowance to noncurrent loans | 83.0544% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.6255% | 766 |
| Noncurrent loans to loans | 1.5264% | 1,056 |
| Net loans and leases to total assets | 58.7104% | 3,970 |
| Net loans and leases to deposits | 69.5666% | 3,951 |
| Net loans and leases to core deposits | 72.8851% | 4,018 |
| Total domestic deposits to total assets | 84.3945% | 2,814 |
| Equity capital to assets | 13.5841% | 1,108 |
| Core capital (leverage) ratio | 14.1611% | 895 |
| Tier 1 risk-based capital ratio | 18.7519% | 1,598 |
| Total risk-based capital ratio | 19.7757% | 1,616 |
| Memoranda: | ||
| Average total assets | $103,962,500 | 4,078 |
| Average earning assets | $93,010,750 | 4,128 |
| Average equity | $14,026,500 | 3,771 |
| Average total loans | $62,180,000 | 4,078 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7711% | 1,325 |
| Cost of funding earning assets | 0.2226% | 4,903 |
| Net interest margin | 4.5486% | 627 |
| Noninterest income to average assets | 0.5623% | 2,509 |
| Noninterest expense to average assets | 3.0026% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3661% | 1,548 |
| Return on assets (ROA) | 1.3661% | 1,551 |
| Pretax return on assets | 1.6269% | 1,413 |
| Return on Equity (ROE) | 10.1486% | 2,501 |
| Retained earnings to average equity (ytd only) | 10.1486% | 890 |
| Net charge-offs to loans | -0.0032% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8581% | 3,184 |
| Assets per employee ($millions) | 3.2437% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,429 |
| Loan loss allowance to noncurrent loans | 127.7955% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3305% | 1,055 |
| Noncurrent loans to loans | 0.9788% | 1,786 |
| Net loans and leases to total assets | 60.8480% | 3,723 |
| Net loans and leases to deposits | 72.2577% | 3,688 |
| Net loans and leases to core deposits | 75.7802% | 3,758 |
| Total domestic deposits to total assets | 84.2097% | 2,989 |
| Equity capital to assets | 13.7132% | 1,023 |
| Core capital (leverage) ratio | 14.1797% | 860 |
| Tier 1 risk-based capital ratio | 18.6602% | 1,635 |
| Total risk-based capital ratio | 19.6936% | 1,651 |
| Memoranda: | ||
| Average total assets | $103,509,330 | 4,119 |
| Average earning assets | $92,556,670 | 4,170 |
| Average equity | $13,933,000 | 3,805 |
| Average total loans | $62,030,330 | 4,115 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 1,494 |
| Cost of funding earning assets | 0.2250% | 4,865 |
| Net interest margin | 4.4013% | 768 |
| Noninterest income to average assets | 0.4837% | 2,907 |
| Noninterest expense to average assets | 3.1732% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0487% | 2,655 |
| Return on assets (ROA) | 1.0487% | 2,668 |
| Pretax return on assets | 1.2461% | 2,570 |
| Return on Equity (ROE) | 7.8650% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.8650% | 1,893 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8039% | 2,219 |
| Assets per employee ($millions) | 3.2819% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,322 |
| Loan loss allowance to noncurrent loans | 44.7368% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 2.4205% | 394 |
| Noncurrent loans to loans | 2.8680% | 431 |
| Net loans and leases to total assets | 58.5365% | 3,888 |
| Net loans and leases to deposits | 69.3246% | 3,845 |
| Net loans and leases to core deposits | 72.6492% | 3,910 |
| Total domestic deposits to total assets | 84.4382% | 3,134 |
| Equity capital to assets | 13.1489% | 1,171 |
| Core capital (leverage) ratio | 13.7389% | 935 |
| Tier 1 risk-based capital ratio | 18.2688% | 1,754 |
| Total risk-based capital ratio | 19.3106% | 1,770 |
| Memoranda: | ||
| Average total assets | $103,365,000 | 4,168 |
| Average earning assets | $92,427,000 | 4,222 |
| Average equity | $13,782,500 | 3,857 |
| Average total loans | $61,066,000 | 4,175 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 2,193 |
| Cost of funding earning assets | 0.2299% | 4,730 |
| Net interest margin | 4.1161% | 1,382 |
| Noninterest income to average assets | 0.5791% | 2,559 |
| Noninterest expense to average assets | 3.0708% | 1,954 |
| Loan and lease loss provision to assets | 0.0370% | 3,530 |
| Net operating income to assets | 0.7553% | 3,365 |
| Return on assets (ROA) | 0.7553% | 3,405 |
| Pretax return on assets | 1.1485% | 2,990 |
| Return on Equity (ROE) | 5.7254% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.5375% | 2,431 |
| Net charge-offs to loans | -0.0280% | 5,049 |
| Credit loss provision to net charge-offs | -237.5000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1473% | 2,200 |
| Assets per employee ($millions) | 3.2810% | 4,957 |
| Cash dividends to net income (ytd only)* | 20.7474% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,052 |
| Loan loss allowance to noncurrent loans | 54.9897% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.1719% | 489 |
| Noncurrent loans to loans | 2.4274% | 569 |
| Net loans and leases to total assets | 58.0661% | 3,997 |
| Net loans and leases to deposits | 69.1752% | 3,937 |
| Net loans and leases to core deposits | 72.6210% | 4,001 |
| Total domestic deposits to total assets | 83.9406% | 3,231 |
| Equity capital to assets | 13.5247% | 1,050 |
| Core capital (leverage) ratio | 13.4881% | 967 |
| Tier 1 risk-based capital ratio | 18.4684% | 1,660 |
| Total risk-based capital ratio | 19.5424% | 1,664 |
| Memoranda: | ||
| Average total assets | $102,741,800 | 4,191 |
| Average earning assets | $91,785,200 | 4,251 |
| Average equity | $13,553,600 | 3,909 |
| Average total loans | $57,083,200 | 4,264 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,376 |
| Cost of funding earning assets | 0.2303% | 4,741 |
| Net interest margin | 4.0363% | 1,584 |
| Noninterest income to average assets | 0.4453% | 3,367 |
| Noninterest expense to average assets | 2.9812% | 2,160 |
| Loan and lease loss provision to assets | 0.0181% | 3,782 |
| Net operating income to assets | 0.8518% | 3,266 |
| Return on assets (ROA) | 0.8518% | 3,315 |
| Pretax return on assets | 1.0537% | 3,478 |
| Return on Equity (ROE) | 6.4971% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.4971% | 1,960 |
| Net charge-offs to loans | -0.0473% | 5,153 |
| Credit loss provision to net charge-offs | -70.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5548% | 1,963 |
| Assets per employee ($millions) | 3.1796% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,275 |
| Loan loss allowance to noncurrent loans | 71.1416% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.8779% | 719 |
| Noncurrent loans to loans | 1.8524% | 944 |
| Net loans and leases to total assets | 59.1809% | 3,949 |
| Net loans and leases to deposits | 70.8797% | 3,888 |
| Net loans and leases to core deposits | 74.5368% | 3,926 |
| Total domestic deposits to total assets | 83.4948% | 3,290 |
| Equity capital to assets | 13.9790% | 1,003 |
| Core capital (leverage) ratio | 13.8617% | 926 |
| Tier 1 risk-based capital ratio | 18.8890% | 1,623 |
| Total risk-based capital ratio | 19.9567% | 1,623 |
| Memoranda: | ||
| Average total assets | $102,999,750 | 4,230 |
| Average earning assets | $92,061,250 | 4,278 |
| Average equity | $13,503,000 | 3,954 |
| Average total loans | $56,389,500 | 4,318 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,142 |
| Cost of funding earning assets | 0.2306% | 4,713 |
| Net interest margin | 3.7880% | 2,328 |
| Noninterest income to average assets | 0.4097% | 3,627 |
| Noninterest expense to average assets | 2.8351% | 2,637 |
| Loan and lease loss provision to assets | 0.0268% | 3,464 |
| Net operating income to assets | 0.7638% | 3,575 |
| Return on assets (ROA) | 0.7638% | 3,621 |
| Pretax return on assets | 0.9438% | 3,783 |
| Return on Equity (ROE) | 5.9503% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.9503% | 2,149 |
| Net charge-offs to loans | -0.0721% | 5,311 |
| Credit loss provision to net charge-offs | -70.0000% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4970% | 1,924 |
| Assets per employee ($millions) | 3.2865% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,251 |
| Loan loss allowance to noncurrent loans | 82.7843% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.6657% | 888 |
| Noncurrent loans to loans | 1.6131% | 1,144 |
| Net loans and leases to total assets | 56.4928% | 4,169 |
| Net loans and leases to deposits | 67.1285% | 4,134 |
| Net loans and leases to core deposits | 70.4402% | 4,195 |
| Total domestic deposits to total assets | 84.1562% | 3,139 |
| Equity capital to assets | 13.4067% | 1,186 |
| Core capital (leverage) ratio | 12.9860% | 1,180 |
| Tier 1 risk-based capital ratio | 19.3396% | 1,513 |
| Total risk-based capital ratio | 20.4536% | 1,494 |
| Memoranda: | ||
| Average total assets | $104,476,670 | 4,237 |
| Average earning assets | $93,664,330 | 4,272 |
| Average equity | $13,411,000 | 3,977 |
| Average total loans | $55,481,670 | 4,374 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 3,636 |
| Cost of funding earning assets | 0.2234% | 4,769 |
| Net interest margin | 3.6129% | 2,838 |
| Noninterest income to average assets | 0.3063% | 4,373 |
| Noninterest expense to average assets | 3.0215% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4954% | 4,617 |
| Return on assets (ROA) | 0.4954% | 4,637 |
| Pretax return on assets | 0.5256% | 4,913 |
| Return on Equity (ROE) | 3.9437% | 4,801 |
| Retained earnings to average equity (ytd only) | 3.9437% | 3,473 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1812% | 873 |
| Assets per employee ($millions) | 3.4235% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,185 |
| Loan loss allowance to noncurrent loans | 105.3748% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 1,218 |
| Noncurrent loans to loans | 1.3052% | 1,550 |
| Net loans and leases to total assets | 50.3373% | 4,648 |
| Net loans and leases to deposits | 59.3459% | 4,610 |
| Net loans and leases to core deposits | 62.6666% | 4,608 |
| Total domestic deposits to total assets | 84.8202% | 3,158 |
| Equity capital to assets | 12.5857% | 1,472 |
| Core capital (leverage) ratio | 12.7041% | 1,250 |
| Tier 1 risk-based capital ratio | 20.1150% | 1,368 |
| Total risk-based capital ratio | 21.2456% | 1,361 |
| Memoranda: | ||
| Average total assets | $105,774,000 | 4,252 |
| Average earning assets | $94,882,000 | 4,295 |
| Average equity | $13,287,000 | 4,019 |
| Average total loans | $54,055,000 | 4,452 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 3,879 |
| Cost of funding earning assets | 0.2571% | 4,500 |
| Net interest margin | 3.5513% | 3,245 |
| Noninterest income to average assets | 0.6377% | 2,468 |
| Noninterest expense to average assets | 3.0274% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6407% | 4,040 |
| Return on assets (ROA) | 0.6407% | 4,150 |
| Pretax return on assets | 0.7854% | 4,227 |
| Return on Equity (ROE) | 5.0545% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.0545% | 2,310 |
| Net charge-offs to loans | 0.0537% | 2,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 29.7407% | 1,439 |
| Efficiency ratio | 79.3997% | 1,495 |
| Assets per employee ($millions) | 3.5140% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 2,162 |
| Loan loss allowance to noncurrent loans | 96.3777% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 1,094 |
| Noncurrent loans to loans | 1.4330% | 1,418 |
| Net loans and leases to total assets | 50.4629% | 4,733 |
| Net loans and leases to deposits | 59.5269% | 4,707 |
| Net loans and leases to core deposits | 62.8900% | 4,697 |
| Total domestic deposits to total assets | 84.7733% | 3,146 |
| Equity capital to assets | 12.5375% | 1,503 |
| Core capital (leverage) ratio | 12.2325% | 1,461 |
| Tier 1 risk-based capital ratio | 19.4763% | 1,485 |
| Total risk-based capital ratio | 20.6138% | 1,475 |
| Memoranda: | ||
| Average total assets | $102,234,600 | 4,317 |
| Average earning assets | $91,402,000 | 4,361 |
| Average equity | $12,958,800 | 4,094 |
| Average total loans | $50,290,200 | 4,564 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 3,916 |
| Cost of funding earning assets | 0.2634% | 4,467 |
| Net interest margin | 3.5373% | 3,330 |
| Noninterest income to average assets | 0.5297% | 3,048 |
| Noninterest expense to average assets | 3.0849% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5639% | 4,441 |
| Return on assets (ROA) | 0.5639% | 4,543 |
| Pretax return on assets | 0.6046% | 4,866 |
| Return on Equity (ROE) | 4.4360% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.4360% | 3,173 |
| Net charge-offs to loans | 0.0756% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.4297% | 2,111 |
| Efficiency ratio | 83.6124% | 1,018 |
| Assets per employee ($millions) | 3.4267% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 2,104 |
| Loan loss allowance to noncurrent loans | 97.0013% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.5447% | 1,144 |
| Noncurrent loans to loans | 1.4644% | 1,476 |
| Net loans and leases to total assets | 50.2257% | 4,805 |
| Net loans and leases to deposits | 59.6775% | 4,779 |
| Net loans and leases to core deposits | 62.5908% | 4,798 |
| Total domestic deposits to total assets | 84.1618% | 3,161 |
| Equity capital to assets | 12.8217% | 1,587 |
| Core capital (leverage) ratio | 12.7081% | 1,304 |
| Tier 1 risk-based capital ratio | 19.6368% | 1,515 |
| Total risk-based capital ratio | 20.7886% | 1,506 |
| Memoranda: | ||
| Average total assets | $101,438,250 | 4,365 |
| Average earning assets | $90,613,250 | 4,403 |
| Average equity | $12,894,250 | 4,140 |
| Average total loans | $49,377,000 | 4,637 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 4,331 |
| Cost of funding earning assets | 0.2662% | 4,488 |
| Net interest margin | 3.4229% | 3,786 |
| Noninterest income to average assets | 0.5090% | 3,132 |
| Noninterest expense to average assets | 3.2401% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3030% | 5,314 |
| Return on assets (ROA) | 0.3030% | 5,400 |
| Pretax return on assets | 0.3248% | 5,460 |
| Return on Equity (ROE) | 2.3909% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.3909% | 4,358 |
| Net charge-offs to loans | 0.1158% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,806 |
| Efficiency ratio | 90.8889% | 553 |
| Assets per employee ($millions) | 3.2845% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 2,166 |
| Loan loss allowance to noncurrent loans | 97.0013% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6116% | 1,144 |
| Noncurrent loans to loans | 1.4732% | 1,492 |
| Net loans and leases to total assets | 52.0825% | 4,664 |
| Net loans and leases to deposits | 62.2106% | 4,641 |
| Net loans and leases to core deposits | 65.4008% | 4,651 |
| Total domestic deposits to total assets | 83.7197% | 3,378 |
| Equity capital to assets | 13.1099% | 1,441 |
| Core capital (leverage) ratio | 12.6903% | 1,270 |
| Tier 1 risk-based capital ratio | 19.9230% | 1,473 |
| Total risk-based capital ratio | 21.1169% | 1,448 |
| Memoranda: | ||
| Average total assets | $100,983,670 | 4,410 |
| Average earning assets | $90,157,670 | 4,457 |
| Average equity | $12,798,670 | 4,178 |
| Average total loans | $48,377,000 | 4,702 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4653% | 4,970 |
| Cost of funding earning assets | 0.2672% | 4,528 |
| Net interest margin | 3.1981% | 4,586 |
| Noninterest income to average assets | 0.5205% | 2,985 |
| Noninterest expense to average assets | 2.7552% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4931% | 4,655 |
| Return on assets (ROA) | 0.4931% | 4,757 |
| Pretax return on assets | 0.6223% | 4,754 |
| Return on Equity (ROE) | 3.9564% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.9564% | 3,513 |
| Net charge-offs to loans | 0.2407% | 850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.6786% | 2,306 |
| Efficiency ratio | 81.5759% | 1,411 |
| Assets per employee ($millions) | 3.5047% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 1,881 |
| Loan loss allowance to noncurrent loans | 97.0013% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.8468% | 990 |
| Noncurrent loans to loans | 1.5725% | 1,482 |
| Net loans and leases to total assets | 47.2583% | 5,025 |
| Net loans and leases to deposits | 56.1819% | 4,971 |
| Net loans and leases to core deposits | 58.9446% | 5,001 |
| Total domestic deposits to total assets | 84.1167% | 3,473 |
| Equity capital to assets | 12.6128% | 1,612 |
| Core capital (leverage) ratio | 12.3627% | 1,401 |
| Tier 1 risk-based capital ratio | 20.6777% | 1,367 |
| Total risk-based capital ratio | 21.9233% | 1,344 |
| Memoranda: | ||
| Average total assets | $102,207,500 | 4,426 |
| Average earning assets | $91,304,500 | 4,475 |
| Average equity | $12,739,000 | 4,202 |
| Average total loans | $46,533,500 | 4,783 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 4,953 |
| Cost of funding earning assets | 0.3373% | 3,821 |
| Net interest margin | 3.1503% | 4,776 |
| Noninterest income to average assets | 0.8153% | 1,725 |
| Noninterest expense to average assets | 2.8983% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6140% | 4,204 |
| Return on assets (ROA) | 0.6140% | 4,299 |
| Pretax return on assets | 0.7152% | 4,485 |
| Return on Equity (ROE) | 5.0193% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.0193% | 2,401 |
| Net charge-offs to loans | -0.1148% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2086% | 1,645 |
| Assets per employee ($millions) | 3.4260% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 1,256 |
| Loan loss allowance to noncurrent loans | 97.1069% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.8544% | 1,007 |
| Noncurrent loans to loans | 1.7949% | 1,223 |
| Net loans and leases to total assets | 42.3429% | 5,389 |
| Net loans and leases to deposits | 50.5412% | 5,364 |
| Net loans and leases to core deposits | 52.8380% | 5,381 |
| Total domestic deposits to total assets | 83.7789% | 3,572 |
| Equity capital to assets | 12.3166% | 1,725 |
| Core capital (leverage) ratio | 11.8674% | 1,710 |
| Tier 1 risk-based capital ratio | 22.0512% | 1,137 |
| Total risk-based capital ratio | 23.3048% | 1,114 |
| Memoranda: | ||
| Average total assets | $100,816,200 | 4,446 |
| Average earning assets | $89,546,400 | 4,517 |
| Average equity | $12,332,400 | 4,237 |
| Average total loans | $43,566,600 | 4,871 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 5,034 |
| Cost of funding earning assets | 0.3417% | 3,840 |
| Net interest margin | 3.1354% | 4,865 |
| Noninterest income to average assets | 0.7628% | 1,967 |
| Noninterest expense to average assets | 2.8586% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5688% | 4,534 |
| Return on assets (ROA) | 0.5688% | 4,620 |
| Pretax return on assets | 0.6844% | 4,736 |
| Return on Equity (ROE) | 4.6581% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.6581% | 3,158 |
| Net charge-offs to loans | -0.1537% | 5,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6827% | 1,560 |
| Assets per employee ($millions) | 3.4055% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7448% | 1,371 |
| Loan loss allowance to noncurrent loans | 97.1069% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.8656% | 1,124 |
| Noncurrent loans to loans | 1.7968% | 1,322 |
| Net loans and leases to total assets | 42.5522% | 5,460 |
| Net loans and leases to deposits | 50.9093% | 5,428 |
| Net loans and leases to core deposits | 53.2262% | 5,449 |
| Total domestic deposits to total assets | 83.5842% | 3,576 |
| Equity capital to assets | 12.1980% | 1,962 |
| Core capital (leverage) ratio | 11.9499% | 1,703 |
| Tier 1 risk-based capital ratio | 21.5946% | 1,250 |
| Total risk-based capital ratio | 22.8501% | 1,231 |
| Memoranda: | ||
| Average total assets | $100,325,250 | 4,504 |
| Average earning assets | $88,960,000 | 4,577 |
| Average equity | $12,250,750 | 4,311 |
| Average total loans | $43,385,250 | 4,931 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 4,959 |
| Cost of funding earning assets | 0.3536% | 3,769 |
| Net interest margin | 3.1552% | 4,810 |
| Noninterest income to average assets | 0.8384% | 1,640 |
| Noninterest expense to average assets | 2.8642% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6459% | 4,143 |
| Return on assets (ROA) | 0.6459% | 4,251 |
| Pretax return on assets | 0.7662% | 4,435 |
| Return on Equity (ROE) | 5.2872% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.2872% | 2,683 |
| Net charge-offs to loans | -0.1949% | 6,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8950% | 1,933 |
| Assets per employee ($millions) | 3.3470% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 1,460 |
| Loan loss allowance to noncurrent loans | 96.1006% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.9171% | 1,178 |
| Noncurrent loans to loans | 1.8337% | 1,383 |
| Net loans and leases to total assets | 42.4167% | 5,473 |
| Net loans and leases to deposits | 50.8404% | 5,458 |
| Net loans and leases to core deposits | 53.1949% | 5,471 |
| Total domestic deposits to total assets | 83.4311% | 3,782 |
| Equity capital to assets | 12.2546% | 1,837 |
| Core capital (leverage) ratio | 11.7826% | 1,785 |
| Tier 1 risk-based capital ratio | 21.5233% | 1,278 |
| Total risk-based capital ratio | 22.7795% | 1,262 |
| Memoranda: | ||
| Average total assets | $99,712,330 | 4,559 |
| Average earning assets | $88,234,670 | 4,634 |
| Average equity | $12,180,330 | 4,351 |
| Average total loans | $43,098,670 | 4,986 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,706 |
| Cost of funding earning assets | 0.3605% | 3,746 |
| Net interest margin | 3.2353% | 4,468 |
| Noninterest income to average assets | 0.6079% | 2,605 |
| Noninterest expense to average assets | 2.7495% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5918% | 4,321 |
| Return on assets (ROA) | 0.5918% | 4,418 |
| Pretax return on assets | 0.7125% | 4,553 |
| Return on Equity (ROE) | 4.8523% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.8523% | 3,143 |
| Net charge-offs to loans | -0.3723% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4186% | 1,967 |
| Assets per employee ($millions) | 3.1627% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 1,533 |
| Loan loss allowance to noncurrent loans | 93.3824% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 2.4099% | 904 |
| Noncurrent loans to loans | 1.9087% | 1,409 |
| Net loans and leases to total assets | 41.4886% | 5,517 |
| Net loans and leases to deposits | 49.6570% | 5,481 |
| Net loans and leases to core deposits | 52.0891% | 5,484 |
| Total domestic deposits to total assets | 83.5504% | 3,995 |
| Equity capital to assets | 12.0517% | 1,992 |
| Core capital (leverage) ratio | 11.8932% | 1,704 |
| Tier 1 risk-based capital ratio | 21.0687% | 1,406 |
| Total risk-based capital ratio | 22.3187% | 1,382 |
| Memoranda: | ||
| Average total assets | $99,363,000 | 4,598 |
| Average earning assets | $87,659,000 | 4,678 |
| Average equity | $12,118,000 | 4,395 |
| Average total loans | $42,970,500 | 5,025 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,869 |
| Cost of funding earning assets | 0.3830% | 3,875 |
| Net interest margin | 3.2912% | 4,612 |
| Noninterest income to average assets | 0.6962% | 2,320 |
| Noninterest expense to average assets | 3.3070% | 1,911 |
| Loan and lease loss provision to assets | -0.2131% | 6,301 |
| Net operating income to assets | 0.4417% | 5,055 |
| Return on assets (ROA) | 0.4417% | 5,146 |
| Pretax return on assets | 0.4913% | 5,275 |
| Return on Equity (ROE) | 3.4907% | 5,298 |
| Retained earnings to average equity (ytd only) | -2.6895% | 6,066 |
| Net charge-offs to loans | 0.1342% | 2,677 |
| Credit loss provision to net charge-offs | -355.1724% | 5,724 |
| Earnings coverage of net charge-offs (x) | 4.6379% | 3,600 |
| Efficiency ratio | 92.2389% | 690 |
| Assets per employee ($millions) | 3.0475% | 5,637 |
| Cash dividends to net income (ytd only)* | 177.0492% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 1,855 |
| Loan loss allowance to noncurrent loans | 70.4390% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.7358% | 801 |
| Noncurrent loans to loans | 2.3732% | 1,092 |
| Net loans and leases to total assets | 43.5480% | 5,493 |
| Net loans and leases to deposits | 52.4892% | 5,448 |
| Net loans and leases to core deposits | 55.1697% | 5,434 |
| Total domestic deposits to total assets | 82.9655% | 4,089 |
| Equity capital to assets | 12.3452% | 1,738 |
| Core capital (leverage) ratio | 11.8678% | 1,721 |
| Tier 1 risk-based capital ratio | 21.1034% | 1,381 |
| Total risk-based capital ratio | 22.3554% | 1,352 |
| Memoranda: | ||
| Average total assets | $96,673,800 | 4,683 |
| Average earning assets | $84,862,400 | 4,762 |
| Average equity | $12,232,600 | 4,317 |
| Average total loans | $43,220,200 | 5,060 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6481% | 5,007 |
| Cost of funding earning assets | 0.3861% | 3,944 |
| Net interest margin | 3.2620% | 4,752 |
| Noninterest income to average assets | 0.5805% | 2,984 |
| Noninterest expense to average assets | 3.2385% | 2,059 |
| Loan and lease loss provision to assets | -0.2847% | 6,453 |
| Net operating income to assets | 0.4257% | 5,155 |
| Return on assets (ROA) | 0.4257% | 5,233 |
| Pretax return on assets | 0.4879% | 5,354 |
| Return on Equity (ROE) | 3.3439% | 5,409 |
| Retained earnings to average equity (ytd only) | -1.2703% | 6,001 |
| Net charge-offs to loans | 0.1974% | 1,892 |
| Credit loss provision to net charge-offs | -321.8750% | 5,659 |
| Earnings coverage of net charge-offs (x) | 2.2970% | 3,951 |
| Efficiency ratio | 94.0964% | 593 |
| Assets per employee ($millions) | 3.1113% | 5,575 |
| Cash dividends to net income (ytd only)* | 137.9852% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 2,198 |
| Loan loss allowance to noncurrent loans | 73.1359% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 2.6335% | 971 |
| Noncurrent loans to loans | 2.2286% | 1,360 |
| Net loans and leases to total assets | 43.4017% | 5,569 |
| Net loans and leases to deposits | 52.2717% | 5,518 |
| Net loans and leases to core deposits | 54.8522% | 5,517 |
| Total domestic deposits to total assets | 83.0308% | 4,138 |
| Equity capital to assets | 12.2596% | 1,856 |
| Core capital (leverage) ratio | 11.9180% | 1,748 |
| Tier 1 risk-based capital ratio | 20.8620% | 1,479 |
| Total risk-based capital ratio | 22.1135% | 1,455 |
| Memoranda: | ||
| Average total assets | $96,462,250 | 4,732 |
| Average earning assets | $84,608,500 | 4,818 |
| Average equity | $12,281,000 | 4,328 |
| Average total loans | $43,227,750 | 5,119 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 4,907 |
| Cost of funding earning assets | 0.3927% | 3,948 |
| Net interest margin | 3.2927% | 4,621 |
| Noninterest income to average assets | 0.5826% | 2,907 |
| Noninterest expense to average assets | 3.4728% | 1,527 |
| Loan and lease loss provision to assets | -0.4317% | 6,569 |
| Net operating income to assets | 0.3793% | 5,296 |
| Return on assets (ROA) | 0.3793% | 5,364 |
| Pretax return on assets | 0.4234% | 5,494 |
| Return on Equity (ROE) | 2.9417% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.9417% | 4,335 |
| Net charge-offs to loans | 0.2884% | 1,384 |
| Credit loss provision to net charge-offs | -332.2581% | 5,488 |
| Earnings coverage of net charge-offs (x) | -0.0645% | 4,134 |
| Efficiency ratio | 100.2420% | 394 |
| Assets per employee ($millions) | 3.1317% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 2,188 |
| Loan loss allowance to noncurrent loans | 51.4716% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 3.1272% | 808 |
| Noncurrent loans to loans | 3.2622% | 856 |
| Net loans and leases to total assets | 43.2455% | 5,584 |
| Net loans and leases to deposits | 52.5332% | 5,463 |
| Net loans and leases to core deposits | 55.2109% | 5,467 |
| Total domestic deposits to total assets | 82.3203% | 4,540 |
| Equity capital to assets | 12.8457% | 1,459 |
| Core capital (leverage) ratio | 12.6529% | 1,305 |
| Tier 1 risk-based capital ratio | 21.8730% | 1,277 |
| Total risk-based capital ratio | 23.1249% | 1,253 |
| Memoranda: | ||
| Average total assets | $95,428,670 | 4,785 |
| Average earning assets | $83,518,000 | 4,887 |
| Average equity | $12,306,000 | 4,341 |
| Average total loans | $42,994,330 | 5,163 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,902 |
| Cost of funding earning assets | 0.3980% | 3,994 |
| Net interest margin | 3.2861% | 4,601 |
| Noninterest income to average assets | 0.6131% | 2,655 |
| Noninterest expense to average assets | 2.8668% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5201% | 4,586 |
| Return on assets (ROA) | 0.5201% | 4,658 |
| Pretax return on assets | 0.6089% | 4,802 |
| Return on Equity (ROE) | 4.0250% | 5,023 |
| Retained earnings to average equity (ytd only) | 4.0250% | 3,702 |
| Net charge-offs to loans | 0.1669% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,066 |
| Efficiency ratio | 82.4818% | 1,868 |
| Assets per employee ($millions) | 3.0214% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3394% | 980 |
| Loan loss allowance to noncurrent loans | 64.5140% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 4.2781% | 529 |
| Noncurrent loans to loans | 3.6262% | 784 |
| Net loans and leases to total assets | 43.1889% | 5,580 |
| Net loans and leases to deposits | 52.9476% | 5,386 |
| Net loans and leases to core deposits | 55.5774% | 5,380 |
| Total domestic deposits to total assets | 81.5690% | 5,070 |
| Equity capital to assets | 13.1631% | 1,227 |
| Core capital (leverage) ratio | 12.7042% | 1,294 |
| Tier 1 risk-based capital ratio | 22.1578% | 1,269 |
| Total risk-based capital ratio | 23.4144% | 1,247 |
| Memoranda: | ||
| Average total assets | $94,601,500 | 4,854 |
| Average earning assets | $82,408,500 | 4,963 |
| Average equity | $12,223,500 | 4,386 |
| Average total loans | $43,141,000 | 5,202 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 4,087 |
| Cost of funding earning assets | 0.4650% | 3,967 |
| Net interest margin | 3.5330% | 3,750 |
| Noninterest income to average assets | 0.9693% | 1,465 |
| Noninterest expense to average assets | 3.1884% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7589% | 3,502 |
| Return on assets (ROA) | 0.7589% | 3,595 |
| Pretax return on assets | 0.8269% | 4,046 |
| Return on Equity (ROE) | 5.9916% | 4,090 |
| Retained earnings to average equity (ytd only) | 2.4545% | 4,506 |
| Net charge-offs to loans | 0.0556% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 30.3846% | 1,176 |
| Efficiency ratio | 79.4056% | 2,256 |
| Assets per employee ($millions) | 2.9856% | 5,856 |
| Cash dividends to net income (ytd only)* | 59.0345% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1979% | 1,177 |
| Loan loss allowance to noncurrent loans | 46.0748% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 4.3605% | 587 |
| Noncurrent loans to loans | 4.7703% | 546 |
| Net loans and leases to total assets | 45.9232% | 5,496 |
| Net loans and leases to deposits | 56.0152% | 5,302 |
| Net loans and leases to core deposits | 58.7082% | 5,330 |
| Total domestic deposits to total assets | 81.9835% | 4,882 |
| Equity capital to assets | 12.6837% | 1,429 |
| Core capital (leverage) ratio | 12.0793% | 1,546 |
| Tier 1 risk-based capital ratio | 20.6196% | 1,508 |
| Total risk-based capital ratio | 21.8624% | 1,487 |
| Memoranda: | ||
| Average total assets | $95,533,000 | 4,850 |
| Average earning assets | $82,367,400 | 4,973 |
| Average equity | $12,100,200 | 4,423 |
| Average total loans | $46,794,000 | 5,079 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 3,913 |
| Cost of funding earning assets | 0.4758% | 4,011 |
| Net interest margin | 3.5792% | 3,539 |
| Noninterest income to average assets | 0.9211% | 1,688 |
| Noninterest expense to average assets | 3.1751% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7174% | 3,767 |
| Return on assets (ROA) | 0.7174% | 3,900 |
| Pretax return on assets | 0.8221% | 4,213 |
| Return on Equity (ROE) | 5.6658% | 4,374 |
| Retained earnings to average equity (ytd only) | 1.0913% | 5,541 |
| Net charge-offs to loans | -0.0226% | 6,080 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4344% | 2,197 |
| Assets per employee ($millions) | 3.0070% | 5,835 |
| Cash dividends to net income (ytd only)* | 80.7389% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3191% | 1,155 |
| Loan loss allowance to noncurrent loans | 47.5303% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 4.3710% | 694 |
| Noncurrent loans to loans | 4.8792% | 631 |
| Net loans and leases to total assets | 44.6485% | 5,666 |
| Net loans and leases to deposits | 54.3182% | 5,509 |
| Net loans and leases to core deposits | 56.8881% | 5,539 |
| Total domestic deposits to total assets | 82.1980% | 4,861 |
| Equity capital to assets | 12.4063% | 1,631 |
| Core capital (leverage) ratio | 12.1045% | 1,611 |
| Tier 1 risk-based capital ratio | 20.6578% | 1,568 |
| Total risk-based capital ratio | 21.9160% | 1,540 |
| Memoranda: | ||
| Average total assets | $95,531,250 | 4,893 |
| Average earning assets | $82,101,250 | 5,026 |
| Average equity | $12,095,750 | 4,478 |
| Average total loans | $47,277,250 | 5,100 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 3,827 |
| Cost of funding earning assets | 0.4785% | 4,116 |
| Net interest margin | 3.5974% | 3,366 |
| Noninterest income to average assets | 1.0829% | 1,307 |
| Noninterest expense to average assets | 3.1249% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9276% | 2,671 |
| Return on assets (ROA) | 0.9276% | 2,810 |
| Pretax return on assets | 1.0346% | 3,353 |
| Return on Equity (ROE) | 7.2767% | 3,455 |
| Retained earnings to average equity (ytd only) | 3.7371% | 3,924 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1261% | 2,931 |
| Assets per employee ($millions) | 3.0256% | 5,810 |
| Cash dividends to net income (ytd only)* | 48.6425% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1945% | 1,432 |
| Loan loss allowance to noncurrent loans | 56.6947% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 4.2135% | 805 |
| Noncurrent loans to loans | 3.8707% | 1,032 |
| Net loans and leases to total assets | 48.0884% | 5,324 |
| Net loans and leases to deposits | 58.9564% | 5,076 |
| Net loans and leases to core deposits | 61.8405% | 5,107 |
| Total domestic deposits to total assets | 81.5660% | 5,195 |
| Equity capital to assets | 12.9049% | 1,381 |
| Core capital (leverage) ratio | 12.2428% | 1,478 |
| Tier 1 risk-based capital ratio | 19.0161% | 1,987 |
| Total risk-based capital ratio | 20.2863% | 1,950 |
| Memoranda: | ||
| Average total assets | $95,300,000 | 4,926 |
| Average earning assets | $81,503,330 | 5,067 |
| Average equity | $12,148,330 | 4,498 |
| Average total loans | $48,375,330 | 5,087 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,795 |
| Cost of funding earning assets | 0.4743% | 4,333 |
| Net interest margin | 3.6072% | 3,230 |
| Noninterest income to average assets | 1.5033% | 685 |
| Noninterest expense to average assets | 2.9609% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5533% | 764 |
| Return on assets (ROA) | 1.5533% | 835 |
| Pretax return on assets | 1.6782% | 1,130 |
| Return on Equity (ROE) | 12.2592% | 1,358 |
| Retained earnings to average equity (ytd only) | 5.1929% | 3,116 |
| Net charge-offs to loans | 0.0081% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 85 |
| Efficiency ratio | 63.8241% | 5,033 |
| Assets per employee ($millions) | 2.9898% | 6,008 |
| Cash dividends to net income (ytd only)* | 57.6408% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 1,791 |
| Loan loss allowance to noncurrent loans | 77.8291% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 3.6227% | 1,156 |
| Noncurrent loans to loans | 2.7002% | 1,895 |
| Net loans and leases to total assets | 49.2260% | 5,085 |
| Net loans and leases to deposits | 60.2348% | 4,766 |
| Net loans and leases to core deposits | 63.3936% | 4,802 |
| Total domestic deposits to total assets | 81.7235% | 5,289 |
| Equity capital to assets | 12.7870% | 1,540 |
| Core capital (leverage) ratio | 12.2383% | 1,443 |
| Tier 1 risk-based capital ratio | 18.3700% | 2,235 |
| Total risk-based capital ratio | 19.6238% | 2,202 |
| Memoranda: | ||
| Average total assets | $96,053,000 | 4,950 |
| Average earning assets | $83,499,000 | 5,055 |
| Average equity | $12,170,500 | 4,543 |
| Average total loans | $49,505,000 | 5,075 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 3,356 |
| Cost of funding earning assets | 0.5902% | 4,439 |
| Net interest margin | 3.9199% | 2,746 |
| Noninterest income to average assets | 0.9244% | 1,788 |
| Noninterest expense to average assets | 4.0990% | 858 |
| Loan and lease loss provision to assets | 0.2445% | 2,700 |
| Net operating income to assets | 0.0738% | 6,054 |
| Return on assets (ROA) | 0.0738% | 6,194 |
| Pretax return on assets | -0.0379% | 6,318 |
| Return on Equity (ROE) | 0.5820% | 6,203 |
| Retained earnings to average equity (ytd only) | -0.3991% | 5,922 |
| Net charge-offs to loans | 0.1776% | 3,952 |
| Credit loss provision to net charge-offs | 252.1739% | 960 |
| Earnings coverage of net charge-offs (x) | 2.1304% | 4,349 |
| Efficiency ratio | 95.2020% | 741 |
| Assets per employee ($millions) | 3.1107% | 5,823 |
| Cash dividends to net income (ytd only)* | 168.5714% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 2,041 |
| Loan loss allowance to noncurrent loans | 79.0625% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 3.5393% | 1,274 |
| Noncurrent loans to loans | 2.5146% | 2,098 |
| Net loans and leases to total assets | 51.7365% | 4,963 |
| Net loans and leases to deposits | 63.3886% | 4,617 |
| Net loans and leases to core deposits | 66.2260% | 4,718 |
| Total domestic deposits to total assets | 81.6179% | 5,220 |
| Equity capital to assets | 12.5551% | 1,671 |
| Core capital (leverage) ratio | 12.0177% | 1,553 |
| Tier 1 risk-based capital ratio | 17.6171% | 2,411 |
| Total risk-based capital ratio | 18.8714% | 2,372 |
| Memoranda: | ||
| Average total assets | $94,876,400 | 4,970 |
| Average earning assets | $81,839,200 | 5,074 |
| Average equity | $12,027,400 | 4,561 |
| Average total loans | $51,799,400 | 5,026 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 3,426 |
| Cost of funding earning assets | 0.6079% | 4,566 |
| Net interest margin | 3.9426% | 2,738 |
| Noninterest income to average assets | 0.6068% | 3,233 |
| Noninterest expense to average assets | 4.2191% | 705 |
| Loan and lease loss provision to assets | 0.3274% | 2,004 |
| Net operating income to assets | -0.1961% | 6,496 |
| Return on assets (ROA) | -0.1961% | 6,567 |
| Pretax return on assets | -0.5447% | 6,721 |
| Return on Equity (ROE) | -1.5435% | 6,533 |
| Retained earnings to average equity (ytd only) | -2.0765% | 6,406 |
| Net charge-offs to loans | 0.1922% | 3,581 |
| Credit loss provision to net charge-offs | 309.3333% | 869 |
| Earnings coverage of net charge-offs (x) | -2.0533% | 5,652 |
| Efficiency ratio | 105.4302% | 396 |
| Assets per employee ($millions) | 2.9443% | 6,141 |
| Cash dividends to net income (ytd only)* | -34.5330% | 7,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 2,142 |
| Loan loss allowance to noncurrent loans | 77.6018% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 3.7477% | 1,320 |
| Noncurrent loans to loans | 2.5901% | 2,206 |
| Net loans and leases to total assets | 53.2452% | 4,864 |
| Net loans and leases to deposits | 65.4541% | 4,540 |
| Net loans and leases to core deposits | 68.4486% | 4,681 |
| Total domestic deposits to total assets | 81.3473% | 5,249 |
| Equity capital to assets | 12.6877% | 1,775 |
| Core capital (leverage) ratio | 12.1288% | 1,575 |
| Tier 1 risk-based capital ratio | 17.1654% | 2,666 |
| Total risk-based capital ratio | 18.4191% | 2,614 |
| Memoranda: | ||
| Average total assets | $94,487,750 | 5,028 |
| Average earning assets | $81,365,000 | 5,130 |
| Average equity | $12,007,500 | 4,614 |
| Average total loans | $52,023,750 | 5,077 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 3,466 |
| Cost of funding earning assets | 0.6390% | 4,540 |
| Net interest margin | 3.9350% | 2,766 |
| Noninterest income to average assets | 0.6259% | 3,096 |
| Noninterest expense to average assets | 4.7537% | 445 |
| Loan and lease loss provision to assets | 0.4208% | 1,553 |
| Net operating income to assets | -0.6407% | 6,796 |
| Return on assets (ROA) | -0.6407% | 6,826 |
| Pretax return on assets | -1.1631% | 6,939 |
| Return on Equity (ROE) | -5.0394% | 6,771 |
| Retained earnings to average equity (ytd only) | -5.0394% | 6,620 |
| Net charge-offs to loans | 0.5010% | 2,083 |
| Credit loss provision to net charge-offs | 151.9084% | 1,822 |
| Earnings coverage of net charge-offs (x) | -2.6794% | 5,403 |
| Efficiency ratio | 118.5029% | 237 |
| Assets per employee ($millions) | 2.9503% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 2,932 |
| Loan loss allowance to noncurrent loans | 43.6136% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 4.6160% | 1,053 |
| Noncurrent loans to loans | 4.0758% | 1,349 |
| Net loans and leases to total assets | 54.9565% | 4,638 |
| Net loans and leases to deposits | 67.3438% | 4,313 |
| Net loans and leases to core deposits | 70.4098% | 4,483 |
| Total domestic deposits to total assets | 81.6060% | 5,263 |
| Equity capital to assets | 12.5134% | 1,808 |
| Core capital (leverage) ratio | 11.8914% | 1,657 |
| Tier 1 risk-based capital ratio | 16.6199% | 2,851 |
| Total risk-based capital ratio | 17.8856% | 2,793 |
| Memoranda: | ||
| Average total assets | $94,578,000 | 5,052 |
| Average earning assets | $81,372,330 | 5,169 |
| Average equity | $12,025,330 | 4,594 |
| Average total loans | $52,300,000 | 5,096 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6206% | 3,409 |
| Cost of funding earning assets | 0.6636% | 4,601 |
| Net interest margin | 3.9570% | 2,683 |
| Noninterest income to average assets | 0.6338% | 3,036 |
| Noninterest expense to average assets | 3.0297% | 3,154 |
| Loan and lease loss provision to assets | 0.2113% | 2,838 |
| Net operating income to assets | 0.6634% | 4,061 |
| Return on assets (ROA) | 0.6634% | 4,275 |
| Pretax return on assets | 0.7944% | 4,432 |
| Return on Equity (ROE) | 5.1768% | 4,703 |
| Retained earnings to average equity (ytd only) | 5.1768% | 3,456 |
| Net charge-offs to loans | -0.0154% | 6,090 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0785% | 2,924 |
| Assets per employee ($millions) | 2.8831% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 2,896 |
| Loan loss allowance to noncurrent loans | 40.0087% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 5.5212% | 887 |
| Noncurrent loans to loans | 4.5689% | 1,262 |
| Net loans and leases to total assets | 52.1016% | 5,010 |
| Net loans and leases to deposits | 64.1364% | 4,615 |
| Net loans and leases to core deposits | 67.0458% | 4,791 |
| Total domestic deposits to total assets | 81.2356% | 5,537 |
| Equity capital to assets | 12.8281% | 1,528 |
| Core capital (leverage) ratio | 12.5403% | 1,325 |
| Tier 1 risk-based capital ratio | 18.0689% | 2,260 |
| Total risk-based capital ratio | 19.3352% | 2,229 |
| Memoranda: | ||
| Average total assets | $94,661,500 | 5,082 |
| Average earning assets | $81,375,500 | 5,208 |
| Average equity | $12,131,000 | 4,585 |
| Average total loans | $52,038,000 | 5,145 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 2,859 |
| Cost of funding earning assets | 0.8570% | 4,421 |
| Net interest margin | 4.1475% | 2,240 |
| Noninterest income to average assets | 0.8950% | 1,684 |
| Noninterest expense to average assets | 3.5971% | 1,750 |
| Loan and lease loss provision to assets | 0.7857% | 1,266 |
| Net operating income to assets | 0.1554% | 5,719 |
| Return on assets (ROA) | 0.1554% | 5,858 |
| Pretax return on assets | 0.0343% | 6,065 |
| Return on Equity (ROE) | 1.1914% | 5,918 |
| Retained earnings to average equity (ytd only) | -0.9449% | 5,997 |
| Net charge-offs to loans | 2.2177% | 572 |
| Credit loss provision to net charge-offs | 59.0653% | 5,189 |
| Earnings coverage of net charge-offs (x) | 0.6164% | 5,361 |
| Efficiency ratio | 81.4365% | 2,093 |
| Assets per employee ($millions) | 2.9431% | 6,206 |
| Cash dividends to net income (ytd only)* | 179.3103% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 3,477 |
| Loan loss allowance to noncurrent loans | 31.7091% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 6.0660% | 803 |
| Noncurrent loans to loans | 5.1323% | 1,090 |
| Net loans and leases to total assets | 55.9673% | 4,716 |
| Net loans and leases to deposits | 69.0608% | 4,266 |
| Net loans and leases to core deposits | 73.4020% | 4,320 |
| Total domestic deposits to total assets | 81.0406% | 5,431 |
| Equity capital to assets | 12.8021% | 1,597 |
| Core capital (leverage) ratio | 12.5692% | 1,321 |
| Tier 1 risk-based capital ratio | 17.3959% | 2,418 |
| Total risk-based capital ratio | 18.6608% | 2,383 |
| Memoranda: | ||
| Average total assets | $93,298,400 | 5,087 |
| Average earning assets | $79,229,200 | 5,250 |
| Average equity | $12,170,400 | 4,512 |
| Average total loans | $55,959,400 | 5,028 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 2,816 |
| Cost of funding earning assets | 0.8807% | 4,546 |
| Net interest margin | 4.1771% | 2,184 |
| Noninterest income to average assets | 0.6847% | 2,696 |
| Noninterest expense to average assets | 3.3161% | 2,444 |
| Loan and lease loss provision to assets | 0.5214% | 1,901 |
| Net operating income to assets | 0.3724% | 5,120 |
| Return on assets (ROA) | 0.3724% | 5,304 |
| Pretax return on assets | 0.3868% | 5,506 |
| Return on Equity (ROE) | 2.8418% | 5,486 |
| Retained earnings to average equity (ytd only) | 1.2897% | 5,492 |
| Net charge-offs to loans | 2.0087% | 633 |
| Credit loss provision to net charge-offs | 42.7230% | 5,187 |
| Earnings coverage of net charge-offs (x) | 0.7441% | 5,054 |
| Efficiency ratio | 78.5012% | 2,480 |
| Assets per employee ($millions) | 2.8276% | 6,439 |
| Cash dividends to net income (ytd only)* | 54.6155% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,523 |
| Loan loss allowance to noncurrent loans | 27.0985% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 7.1096% | 689 |
| Noncurrent loans to loans | 6.0203% | 927 |
| Net loans and leases to total assets | 57.5758% | 4,571 |
| Net loans and leases to deposits | 70.8330% | 4,160 |
| Net loans and leases to core deposits | 75.2490% | 4,287 |
| Total domestic deposits to total assets | 81.2839% | 5,345 |
| Equity capital to assets | 13.2054% | 1,513 |
| Core capital (leverage) ratio | 13.0457% | 1,215 |
| Tier 1 risk-based capital ratio | 17.2799% | 2,534 |
| Total risk-based capital ratio | 18.5445% | 2,491 |
| Memoranda: | ||
| Average total assets | $93,078,000 | 5,136 |
| Average earning assets | $78,872,750 | 5,303 |
| Average equity | $12,198,750 | 4,514 |
| Average total loans | $56,553,750 | 5,054 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 3,179 |
| Cost of funding earning assets | 0.9098% | 4,587 |
| Net interest margin | 4.0841% | 2,475 |
| Noninterest income to average assets | 0.7054% | 2,524 |
| Noninterest expense to average assets | 3.4666% | 2,073 |
| Loan and lease loss provision to assets | 0.2129% | 3,787 |
| Net operating income to assets | 0.4280% | 4,821 |
| Return on assets (ROA) | 0.4280% | 4,971 |
| Pretax return on assets | 0.4817% | 5,131 |
| Return on Equity (ROE) | 3.2737% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.2737% | 4,182 |
| Net charge-offs to loans | 0.2622% | 3,580 |
| Credit loss provision to net charge-offs | 132.0000% | 2,311 |
| Earnings coverage of net charge-offs (x) | 4.3067% | 2,898 |
| Efficiency ratio | 83.3075% | 1,909 |
| Assets per employee ($millions) | 2.8944% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4952% | 1,455 |
| Loan loss allowance to noncurrent loans | 28.9936% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 7.9896% | 583 |
| Noncurrent loans to loans | 8.6059% | 498 |
| Net loans and leases to total assets | 59.1946% | 4,426 |
| Net loans and leases to deposits | 71.6268% | 4,178 |
| Net loans and leases to core deposits | 75.9900% | 4,319 |
| Total domestic deposits to total assets | 82.6431% | 4,932 |
| Equity capital to assets | 13.2876% | 1,391 |
| Core capital (leverage) ratio | 12.8322% | 1,230 |
| Tier 1 risk-based capital ratio | 17.3651% | 2,393 |
| Total risk-based capital ratio | 18.6384% | 2,353 |
| Memoranda: | ||
| Average total assets | $93,000,670 | 5,169 |
| Average earning assets | $78,696,000 | 5,356 |
| Average equity | $12,157,670 | 4,516 |
| Average total loans | $57,200,000 | 5,076 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 2,858 |
| Cost of funding earning assets | 0.9260% | 4,741 |
| Net interest margin | 4.1236% | 2,176 |
| Noninterest income to average assets | 0.6610% | 2,778 |
| Noninterest expense to average assets | 3.4596% | 2,119 |
| Loan and lease loss provision to assets | 0.2146% | 3,504 |
| Net operating income to assets | 0.4035% | 4,932 |
| Return on assets (ROA) | 0.4035% | 5,018 |
| Pretax return on assets | 0.4464% | 5,200 |
| Return on Equity (ROE) | 3.1118% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.1118% | 4,302 |
| Net charge-offs to loans | 0.0416% | 4,530 |
| Credit loss provision to net charge-offs | 833.3333% | 458 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 954 |
| Efficiency ratio | 83.9583% | 1,959 |
| Assets per employee ($millions) | 2.9082% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5175% | 1,437 |
| Loan loss allowance to noncurrent loans | 38.1911% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 7.9366% | 602 |
| Noncurrent loans to loans | 6.5918% | 890 |
| Net loans and leases to total assets | 59.2100% | 4,425 |
| Net loans and leases to deposits | 71.1333% | 4,179 |
| Net loans and leases to core deposits | 78.0393% | 4,012 |
| Total domestic deposits to total assets | 83.2381% | 4,828 |
| Equity capital to assets | 12.9999% | 1,383 |
| Core capital (leverage) ratio | 12.6433% | 1,270 |
| Tier 1 risk-based capital ratio | 16.9115% | 2,513 |
| Total risk-based capital ratio | 18.1858% | 2,480 |
| Memoranda: | ||
| Average total assets | $93,191,000 | 5,198 |
| Average earning assets | $78,184,000 | 5,411 |
| Average equity | $12,083,000 | 4,529 |
| Average total loans | $57,685,500 | 5,102 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7845% | 1,315 |
| Cost of funding earning assets | 1.2023% | 4,555 |
| Net interest margin | 4.5822% | 1,045 |
| Noninterest income to average assets | 0.7987% | 2,296 |
| Noninterest expense to average assets | 3.6788% | 1,752 |
| Loan and lease loss provision to assets | 0.4775% | 3,270 |
| Net operating income to assets | 0.5325% | 3,955 |
| Return on assets (ROA) | 0.5325% | 4,107 |
| Pretax return on assets | 0.5501% | 4,477 |
| Return on Equity (ROE) | 4.0453% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.2734% | 4,288 |
| Net charge-offs to loans | 0.7235% | 2,846 |
| Credit loss provision to net charge-offs | 96.8750% | 4,793 |
| Earnings coverage of net charge-offs (x) | 2.0848% | 4,156 |
| Efficiency ratio | 78.1674% | 2,681 |
| Assets per employee ($millions) | 2.9163% | 6,280 |
| Cash dividends to net income (ytd only)* | 43.8017% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3434% | 1,623 |
| Loan loss allowance to noncurrent loans | 37.0201% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 8.2769% | 580 |
| Noncurrent loans to loans | 6.3301% | 963 |
| Net loans and leases to total assets | 61.5806% | 4,377 |
| Net loans and leases to deposits | 74.2142% | 4,161 |
| Net loans and leases to core deposits | 81.8059% | 3,932 |
| Total domestic deposits to total assets | 82.9769% | 4,805 |
| Equity capital to assets | 12.9318% | 1,424 |
| Core capital (leverage) ratio | 12.6140% | 1,268 |
| Tier 1 risk-based capital ratio | 16.2770% | 2,626 |
| Total risk-based capital ratio | 17.5367% | 2,579 |
| Memoranda: | ||
| Average total assets | $90,898,400 | 5,261 |
| Average earning assets | $77,517,000 | 5,431 |
| Average equity | $11,964,600 | 4,618 |
| Average total loans | $61,921,400 | 4,989 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8074% | 1,374 |
| Cost of funding earning assets | 1.2319% | 4,679 |
| Net interest margin | 4.5755% | 1,095 |
| Noninterest income to average assets | 0.6748% | 2,985 |
| Noninterest expense to average assets | 3.5498% | 1,907 |
| Loan and lease loss provision to assets | 0.5670% | 2,672 |
| Net operating income to assets | 0.4504% | 4,536 |
| Return on assets (ROA) | 0.4504% | 4,725 |
| Pretax return on assets | 0.4740% | 5,009 |
| Return on Equity (ROE) | 3.4062% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.2224% | 4,836 |
| Net charge-offs to loans | 0.8592% | 2,298 |
| Credit loss provision to net charge-offs | 95.0495% | 4,561 |
| Earnings coverage of net charge-offs (x) | 1.7451% | 4,405 |
| Efficiency ratio | 77.3239% | 2,718 |
| Assets per employee ($millions) | 2.7839% | 6,618 |
| Cash dividends to net income (ytd only)* | 34.7538% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2073% | 1,793 |
| Loan loss allowance to noncurrent loans | 22.3252% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 9.0933% | 492 |
| Noncurrent loans to loans | 9.8871% | 434 |
| Net loans and leases to total assets | 66.2120% | 3,639 |
| Net loans and leases to deposits | 79.9382% | 3,462 |
| Net loans and leases to core deposits | 89.1764% | 3,216 |
| Total domestic deposits to total assets | 82.8290% | 4,662 |
| Equity capital to assets | 13.1577% | 1,510 |
| Core capital (leverage) ratio | 12.9514% | 1,250 |
| Tier 1 risk-based capital ratio | 15.8694% | 2,827 |
| Total risk-based capital ratio | 17.1278% | 2,768 |
| Memoranda: | ||
| Average total assets | $90,293,000 | 5,347 |
| Average earning assets | $77,278,750 | 5,505 |
| Average equity | $11,938,750 | 4,695 |
| Average total loans | $62,690,250 | 5,045 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8980% | 1,191 |
| Cost of funding earning assets | 1.2910% | 4,588 |
| Net interest margin | 4.6070% | 980 |
| Noninterest income to average assets | 0.6506% | 3,010 |
| Noninterest expense to average assets | 3.5603% | 1,887 |
| Loan and lease loss provision to assets | 0.4679% | 2,979 |
| Net operating income to assets | 0.5303% | 4,196 |
| Return on assets (ROA) | 0.5303% | 4,349 |
| Pretax return on assets | 0.5659% | 4,684 |
| Return on Equity (ROE) | 4.0037% | 4,774 |
| Retained earnings to average equity (ytd only) | 2.2205% | 4,740 |
| Net charge-offs to loans | 1.0246% | 1,822 |
| Credit loss provision to net charge-offs | 65.2174% | 5,092 |
| Earnings coverage of net charge-offs (x) | 1.4410% | 4,408 |
| Efficiency ratio | 77.4976% | 2,812 |
| Assets per employee ($millions) | 2.6136% | 6,924 |
| Cash dividends to net income (ytd only)* | 44.5378% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 2,143 |
| Loan loss allowance to noncurrent loans | 24.8738% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 8.1743% | 596 |
| Noncurrent loans to loans | 8.0899% | 640 |
| Net loans and leases to total assets | 70.1960% | 2,859 |
| Net loans and leases to deposits | 85.3139% | 2,634 |
| Net loans and leases to core deposits | 94.9380% | 2,596 |
| Total domestic deposits to total assets | 82.2797% | 4,876 |
| Equity capital to assets | 13.4666% | 1,357 |
| Core capital (leverage) ratio | 12.7954% | 1,282 |
| Tier 1 risk-based capital ratio | 15.7819% | 2,763 |
| Total risk-based capital ratio | 17.0381% | 2,729 |
| Memoranda: | ||
| Average total assets | $89,767,330 | 5,402 |
| Average earning assets | $76,839,330 | 5,555 |
| Average equity | $11,889,000 | 4,712 |
| Average total loans | $62,853,000 | 5,065 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8652% | 1,284 |
| Cost of funding earning assets | 1.3408% | 4,556 |
| Net interest margin | 4.5244% | 1,090 |
| Noninterest income to average assets | 0.7449% | 2,326 |
| Noninterest expense to average assets | 3.4804% | 2,036 |
| Loan and lease loss provision to assets | 0.5941% | 2,138 |
| Net operating income to assets | 0.5099% | 4,346 |
| Return on assets (ROA) | 0.5099% | 4,485 |
| Pretax return on assets | 0.5453% | 4,798 |
| Return on Equity (ROE) | 3.8819% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.8819% | 3,814 |
| Net charge-offs to loans | 1.8191% | 955 |
| Credit loss provision to net charge-offs | 47.1831% | 4,527 |
| Earnings coverage of net charge-offs (x) | 0.9049% | 4,236 |
| Efficiency ratio | 75.3359% | 3,342 |
| Assets per employee ($millions) | 2.7665% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0113% | 2,156 |
| Loan loss allowance to noncurrent loans | 29.1374% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 7.0137% | 768 |
| Noncurrent loans to loans | 6.9027% | 872 |
| Net loans and leases to total assets | 66.3348% | 3,782 |
| Net loans and leases to deposits | 80.3959% | 3,576 |
| Net loans and leases to core deposits | 88.9357% | 3,506 |
| Total domestic deposits to total assets | 82.5102% | 4,845 |
| Equity capital to assets | 13.0360% | 1,512 |
| Core capital (leverage) ratio | 12.8038% | 1,290 |
| Tier 1 risk-based capital ratio | 15.7089% | 2,777 |
| Total risk-based capital ratio | 16.9680% | 2,717 |
| Memoranda: | ||
| Average total assets | $90,219,000 | 5,442 |
| Average earning assets | $77,269,500 | 5,591 |
| Average equity | $11,850,000 | 4,750 |
| Average total loans | $62,449,500 | 5,155 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1559% | 1,359 |
| Cost of funding earning assets | 1.8678% | 3,630 |
| Net interest margin | 4.2882% | 1,754 |
| Noninterest income to average assets | 0.9648% | 1,685 |
| Noninterest expense to average assets | 3.4779% | 2,432 |
| Loan and lease loss provision to assets | 0.8450% | 2,620 |
| Net operating income to assets | 0.4209% | 4,043 |
| Return on assets (ROA) | 0.4209% | 4,147 |
| Pretax return on assets | 0.3855% | 4,534 |
| Return on Equity (ROE) | 3.4594% | 4,307 |
| Retained earnings to average equity (ytd only) | 1.5841% | 3,973 |
| Net charge-offs to loans | 0.3031% | 4,739 |
| Credit loss provision to net charge-offs | 405.5000% | 777 |
| Earnings coverage of net charge-offs (x) | 5.9050% | 2,472 |
| Efficiency ratio | 73.8659% | 3,924 |
| Assets per employee ($millions) | 2.7014% | 6,854 |
| Cash dividends to net income (ytd only)* | 54.2079% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2077% | 1,638 |
| Loan loss allowance to noncurrent loans | 34.9123% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 5.8276% | 978 |
| Noncurrent loans to loans | 6.3236% | 961 |
| Net loans and leases to total assets | 69.2176% | 3,431 |
| Net loans and leases to deposits | 84.3527% | 3,199 |
| Net loans and leases to core deposits | 105.8678% | 3,355 |
| Total domestic deposits to total assets | 82.0573% | 4,923 |
| Equity capital to assets | 13.2357% | 1,420 |
| Core capital (leverage) ratio | 12.3822% | 1,495 |
| Tier 1 risk-based capital ratio | 15.5867% | 2,681 |
| Total risk-based capital ratio | 16.8576% | 2,625 |
| Memoranda: | ||
| Average total assets | $95,977,000 | 5,203 |
| Average earning assets | $83,789,000 | 5,339 |
| Average equity | $11,678,400 | 4,818 |
| Average total loans | $65,976,000 | 5,017 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0474% | 1,851 |
| Cost of funding earning assets | 1.9452% | 3,635 |
| Net interest margin | 4.1022% | 2,383 |
| Noninterest income to average assets | 0.7944% | 2,461 |
| Noninterest expense to average assets | 3.3003% | 2,923 |
| Loan and lease loss provision to assets | 0.9691% | 1,982 |
| Net operating income to assets | 0.2593% | 4,954 |
| Return on assets (ROA) | 0.2593% | 5,045 |
| Pretax return on assets | 0.1201% | 5,483 |
| Return on Equity (ROE) | 2.1748% | 5,101 |
| Retained earnings to average equity (ytd only) | 0.0573% | 5,178 |
| Net charge-offs to loans | 0.2239% | 4,647 |
| Credit loss provision to net charge-offs | 633.9286% | 593 |
| Earnings coverage of net charge-offs (x) | 7.1250% | 2,468 |
| Efficiency ratio | 75.1866% | 3,660 |
| Assets per employee ($millions) | 2.8210% | 6,612 |
| Cash dividends to net income (ytd only)* | 97.3671% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1405% | 1,519 |
| Loan loss allowance to noncurrent loans | 29.7158% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 5.7781% | 959 |
| Noncurrent loans to loans | 7.2032% | 734 |
| Net loans and leases to total assets | 63.8993% | 4,890 |
| Net loans and leases to deposits | 76.2125% | 5,003 |
| Net loans and leases to core deposits | 98.5612% | 4,544 |
| Total domestic deposits to total assets | 83.8436% | 3,798 |
| Equity capital to assets | 11.8580% | 2,317 |
| Core capital (leverage) ratio | 11.3582% | 2,152 |
| Tier 1 risk-based capital ratio | 14.7953% | 3,134 |
| Total risk-based capital ratio | 16.0527% | 3,075 |
| Memoranda: | ||
| Average total assets | $97,685,000 | 5,185 |
| Average earning assets | $85,610,500 | 5,312 |
| Average equity | $11,648,250 | 4,884 |
| Average total loans | $66,695,750 | 5,030 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3148% | 1,168 |
| Cost of funding earning assets | 2.0212% | 3,676 |
| Net interest margin | 4.2936% | 1,674 |
| Noninterest income to average assets | 0.8034% | 2,396 |
| Noninterest expense to average assets | 3.2815% | 3,041 |
| Loan and lease loss provision to assets | 0.6452% | 2,497 |
| Net operating income to assets | 0.5486% | 3,887 |
| Return on assets (ROA) | 0.5486% | 4,006 |
| Pretax return on assets | 0.6349% | 4,220 |
| Return on Equity (ROE) | 4.5922% | 4,263 |
| Retained earnings to average equity (ytd only) | 1.4103% | 4,549 |
| Net charge-offs to loans | 0.2224% | 4,111 |
| Credit loss provision to net charge-offs | 418.6667% | 1,104 |
| Earnings coverage of net charge-offs (x) | 8.3067% | 2,283 |
| Efficiency ratio | 71.9369% | 4,426 |
| Assets per employee ($millions) | 2.6846% | 6,868 |
| Cash dividends to net income (ytd only)* | 69.2884% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,019 |
| Loan loss allowance to noncurrent loans | 40.9291% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 3.9354% | 1,523 |
| Noncurrent loans to loans | 3.7439% | 1,851 |
| Net loans and leases to total assets | 66.1170% | 4,543 |
| Net loans and leases to deposits | 78.7269% | 4,749 |
| Net loans and leases to core deposits | 103.4399% | 4,132 |
| Total domestic deposits to total assets | 83.9827% | 3,789 |
| Equity capital to assets | 11.7286% | 2,368 |
| Core capital (leverage) ratio | 11.7962% | 1,923 |
| Tier 1 risk-based capital ratio | 15.1093% | 2,974 |
| Total risk-based capital ratio | 16.3600% | 2,909 |
| Memoranda: | ||
| Average total assets | $97,335,000 | 5,239 |
| Average earning assets | $85,196,670 | 5,371 |
| Average equity | $11,628,330 | 4,907 |
| Average total loans | $67,437,330 | 5,053 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4202% | 1,021 |
| Cost of funding earning assets | 2.0259% | 4,005 |
| Net interest margin | 4.3943% | 1,356 |
| Noninterest income to average assets | 0.7557% | 2,566 |
| Noninterest expense to average assets | 3.0435% | 3,580 |
| Loan and lease loss provision to assets | 0.2574% | 3,904 |
| Net operating income to assets | 0.9757% | 2,413 |
| Return on assets (ROA) | 0.9757% | 2,538 |
| Pretax return on assets | 1.2913% | 2,314 |
| Return on Equity (ROE) | 8.0912% | 3,103 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,785 |
| Net charge-offs to loans | 0.0472% | 4,820 |
| Credit loss provision to net charge-offs | 775.0000% | 770 |
| Earnings coverage of net charge-offs (x) | 46.6250% | 765 |
| Efficiency ratio | 66.2749% | 5,276 |
| Assets per employee ($millions) | 2.6179% | 7,053 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 4,456 |
| Loan loss allowance to noncurrent loans | 38.9925% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 3.6897% | 1,435 |
| Noncurrent loans to loans | 3.2008% | 2,021 |
| Net loans and leases to total assets | 68.2885% | 4,066 |
| Net loans and leases to deposits | 81.9259% | 4,300 |
| Net loans and leases to core deposits | 107.2144% | 3,771 |
| Total domestic deposits to total assets | 83.3540% | 3,977 |
| Equity capital to assets | 12.0674% | 2,219 |
| Core capital (leverage) ratio | 12.3210% | 1,750 |
| Tier 1 risk-based capital ratio | 15.1228% | 3,002 |
| Total risk-based capital ratio | 16.2035% | 3,020 |
| Memoranda: | ||
| Average total assets | $96,337,500 | 5,292 |
| Average earning assets | $84,109,500 | 5,426 |
| Average equity | $11,617,500 | 4,948 |
| Average total loans | $67,808,000 | 5,057 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1635% | 799 |
| Cost of funding earning assets | 2.6628% | 3,353 |
| Net interest margin | 4.5007% | 1,415 |
| Noninterest income to average assets | 0.9468% | 1,780 |
| Noninterest expense to average assets | 4.1878% | 1,157 |
| Loan and lease loss provision to assets | 0.8316% | 1,791 |
| Net operating income to assets | 0.0708% | 6,180 |
| Return on assets (ROA) | 0.0708% | 6,032 |
| Pretax return on assets | -0.1522% | 6,325 |
| Return on Equity (ROE) | 0.5919% | 6,044 |
| Retained earnings to average equity (ytd only) | -1.2634% | 5,671 |
| Net charge-offs to loans | 0.9997% | 1,241 |
| Credit loss provision to net charge-offs | 119.6049% | 4,496 |
| Earnings coverage of net charge-offs (x) | 0.9772% | 5,643 |
| Efficiency ratio | 86.0399% | 1,848 |
| Assets per employee ($millions) | 2.6614% | 6,866 |
| Cash dividends to net income (ytd only)* | 313.4328% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 4,994 |
| Loan loss allowance to noncurrent loans | 1,396.4286% | 396 |
| Noncurrent assets plus other real estate owned to assets | 1.5510% | 3,121 |
| Noncurrent loans to loans | 0.0816% | 7,176 |
| Net loans and leases to total assets | 70.8175% | 3,830 |
| Net loans and leases to deposits | 87.3378% | 3,887 |
| Net loans and leases to core deposits | 113.4272% | 3,404 |
| Total domestic deposits to total assets | 81.0846% | 4,600 |
| Equity capital to assets | 12.0508% | 2,261 |
| Core capital (leverage) ratio | 12.0614% | 1,940 |
| Tier 1 risk-based capital ratio | 14.8129% | 3,141 |
| Total risk-based capital ratio | 15.8126% | 3,188 |
| Memoranda: | ||
| Average total assets | $94,631,800 | 5,209 |
| Average earning assets | $82,431,400 | 5,350 |
| Average equity | $11,318,600 | 5,038 |
| Average total loans | $65,820,200 | 5,029 |