Home > Town Country United Bank > Performance and Condition Ratios
Town Country United 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 | 6.6415% | 304 |
| Cost of funding earning assets | 1.6093% | 1,666 |
| Net interest margin | 5.0321% | 307 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 3.1967% | 834 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3606% | 1,295 |
| Return on assets (ROA) | 1.3606% | 1,268 |
| Pretax return on assets | 1.8583% | 814 |
| Return on Equity (ROE) | 6.7200% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.7229% | 1,979 |
| Net charge-offs to loans | 0.1858% | 576 |
| Credit loss provision to net charge-offs | 62.5000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,871 |
| Efficiency ratio | 61.4658% | 2,911 |
| Assets per employee ($millions) | 4.6291% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 360 |
| Loan loss allowance to noncurrent loans | 78.1529% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 338 |
| Noncurrent loans to loans | 2.5860% | 187 |
| Net loans and leases to total assets | 47.5900% | 3,749 |
| Net loans and leases to deposits | 61.0585% | 3,467 |
| Net loans and leases to core deposits | 68.1745% | 3,396 |
| Total domestic deposits to total assets | 77.9500% | 3,734 |
| Equity capital to assets | 21.6064% | 252 |
| Core capital (leverage) ratio | 19.7763% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $126,193,200 | 3,586 |
| Average earning assets | $106,813,400 | 3,678 |
| Average equity | $25,539,600 | 2,484 |
| Average total loans | $64,584,000 | 3,635 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6993% | 250 |
| Cost of funding earning assets | 1.4752% | 1,675 |
| Net interest margin | 5.2241% | 250 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 3.1937% | 826 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.5326% | 1,059 |
| Return on assets (ROA) | 1.5326% | 1,042 |
| Pretax return on assets | 1.9900% | 757 |
| Return on Equity (ROE) | 7.7000% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.7011% | 2,075 |
| Net charge-offs to loans | 0.1119% | 714 |
| Credit loss provision to net charge-offs | 136.3636% | 1,377 |
| Earnings coverage of net charge-offs (x) | 35.6909% | 1,508 |
| Efficiency ratio | 59.6836% | 3,002 |
| Assets per employee ($millions) | 4.2941% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0478% | 364 |
| Loan loss allowance to noncurrent loans | 145.0562% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 788 |
| Noncurrent loans to loans | 1.4117% | 529 |
| Net loans and leases to total assets | 49.5900% | 3,646 |
| Net loans and leases to deposits | 62.6517% | 3,364 |
| Net loans and leases to core deposits | 69.6236% | 3,226 |
| Total domestic deposits to total assets | 79.1500% | 3,670 |
| Equity capital to assets | 20.1527% | 284 |
| Core capital (leverage) ratio | 21.0857% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $126,495,000 | 3,598 |
| Average earning assets | $107,013,250 | 3,685 |
| Average equity | $25,173,250 | 2,493 |
| Average total loans | $65,552,000 | 3,623 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5365% | 253 |
| Cost of funding earning assets | 1.3433% | 1,602 |
| Net interest margin | 5.1932% | 243 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 3.1144% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6484% | 875 |
| Return on assets (ROA) | 1.6484% | 877 |
| Pretax return on assets | 2.1423% | 582 |
| Return on Equity (ROE) | 8.3200% | 3,157 |
| Retained earnings to average equity (ytd only) | 8.3178% | 1,869 |
| Net charge-offs to loans | -0.2892% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.2286% | 3,166 |
| Assets per employee ($millions) | 3.9854% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1092% | 357 |
| Loan loss allowance to noncurrent loans | 144.3506% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 666 |
| Noncurrent loans to loans | 1.4612% | 467 |
| Net loans and leases to total assets | 51.3500% | 3,459 |
| Net loans and leases to deposits | 65.3640% | 3,098 |
| Net loans and leases to core deposits | 71.3596% | 3,045 |
| Total domestic deposits to total assets | 78.5600% | 3,779 |
| Equity capital to assets | 20.7299% | 263 |
| Core capital (leverage) ratio | 20.2195% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $127,150,333 | 3,599 |
| Average earning assets | $107,795,333 | 3,683 |
| Average equity | $25,199,000 | 2,514 |
| Average total loans | $66,388,333 | 3,618 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3369% | 216 |
| Cost of funding earning assets | 1.1804% | 1,505 |
| Net interest margin | 5.1565% | 233 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.9965% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7154% | 798 |
| Return on assets (ROA) | 1.7154% | 790 |
| Pretax return on assets | 2.2334% | 539 |
| Return on Equity (ROE) | 8.8500% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.8505% | 1,992 |
| Net charge-offs to loans | -0.2084% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2871% | 3,374 |
| Assets per employee ($millions) | 4.1223% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 474 |
| Loan loss allowance to noncurrent loans | 154.0094% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 745 |
| Noncurrent loans to loans | 1.2756% | 532 |
| Net loans and leases to total assets | 51.0000% | 3,419 |
| Net loans and leases to deposits | 64.2330% | 3,066 |
| Net loans and leases to core deposits | 70.3071% | 2,936 |
| Total domestic deposits to total assets | 79.4000% | 3,847 |
| Equity capital to assets | 19.9418% | 236 |
| Core capital (leverage) ratio | 19.4424% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $128,952,500 | 3,628 |
| Average earning assets | $109,454,500 | 3,727 |
| Average equity | $24,993,000 | 2,549 |
| Average total loans | $67,177,500 | 3,654 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 148 |
| Cost of funding earning assets | 0.4639% | 1,626 |
| Net interest margin | 5.0692% | 128 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 3.0045% | 962 |
| Loan and lease loss provision to assets | 0.4500% | 143 |
| Net operating income to assets | 1.4292% | 1,051 |
| Return on assets (ROA) | 1.4292% | 1,018 |
| Pretax return on assets | 1.7838% | 769 |
| Return on Equity (ROE) | 10.6800% | 2,585 |
| Retained earnings to average equity (ytd only) | 10.6760% | 965 |
| Net charge-offs to loans | 0.0949% | 753 |
| Credit loss provision to net charge-offs | 935.4839% | 452 |
| Earnings coverage of net charge-offs (x) | 46.7581% | 1,403 |
| Efficiency ratio | 56.4144% | 3,535 |
| Assets per employee ($millions) | 5.2045% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,411 |
| Loan loss allowance to noncurrent loans | 168.0556% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 1,151 |
| Noncurrent loans to loans | 0.8486% | 882 |
| Net loans and leases to total assets | 51.4200% | 3,401 |
| Net loans and leases to deposits | 63.6186% | 3,068 |
| Net loans and leases to core deposits | 69.0083% | 2,944 |
| Total domestic deposits to total assets | 80.8300% | 3,776 |
| Equity capital to assets | 18.8313% | 258 |
| Core capital (leverage) ratio | 19.2935% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $130,003,400 | 3,630 |
| Average earning assets | $110,807,400 | 3,716 |
| Average equity | $17,403,600 | 3,175 |
| Average total loans | $65,357,200 | 3,652 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 133 |
| Cost of funding earning assets | 0.3628% | 1,589 |
| Net interest margin | 4.9889% | 121 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 2.9471% | 978 |
| Loan and lease loss provision to assets | 0.3900% | 147 |
| Net operating income to assets | 1.5295% | 784 |
| Return on assets (ROA) | 1.5295% | 765 |
| Pretax return on assets | 1.8998% | 585 |
| Return on Equity (ROE) | 12.7200% | 1,798 |
| Retained earnings to average equity (ytd only) | 12.7196% | 657 |
| Net charge-offs to loans | -0.3337% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.3312% | 3,685 |
| Assets per employee ($millions) | 4.1289% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 1,267 |
| Loan loss allowance to noncurrent loans | 128.2750% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6467% | 813 |
| Noncurrent loans to loans | 1.1765% | 626 |
| Net loans and leases to total assets | 52.1100% | 3,265 |
| Net loans and leases to deposits | 59.9040% | 3,206 |
| Net loans and leases to core deposits | 65.2009% | 3,007 |
| Total domestic deposits to total assets | 86.9800% | 2,768 |
| Equity capital to assets | 11.0426% | 1,159 |
| Core capital (leverage) ratio | 10.7067% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $129,976,000 | 3,658 |
| Average earning assets | $110,990,500 | 3,742 |
| Average equity | $15,629,000 | 3,354 |
| Average total loans | $64,727,750 | 3,677 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 153 |
| Cost of funding earning assets | 0.3393% | 1,369 |
| Net interest margin | 4.7346% | 145 |
| Noninterest income to average assets | 0.8984% | 851 |
| Noninterest expense to average assets | 2.8921% | 1,001 |
| Loan and lease loss provision to assets | 0.3394% | 183 |
| Net operating income to assets | 1.4256% | 845 |
| Return on assets (ROA) | 1.4256% | 831 |
| Pretax return on assets | 1.7256% | 704 |
| Return on Equity (ROE) | 11.5607% | 1,812 |
| Retained earnings to average equity (ytd only) | 11.5607% | 686 |
| Net charge-offs to loans | -0.3072% | 4,651 |
| Credit loss provision to net charge-offs | -226.2626% | 3,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3044% | 3,643 |
| Assets per employee ($millions) | 4.4622% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,599 |
| Loan loss allowance to noncurrent loans | 115.2012% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 939 |
| Noncurrent loans to loans | 1.0579% | 783 |
| Net loans and leases to total assets | 48.4177% | 3,517 |
| Net loans and leases to deposits | 54.9177% | 3,472 |
| Net loans and leases to core deposits | 61.6637% | 3,143 |
| Total domestic deposits to total assets | 88.1641% | 2,510 |
| Equity capital to assets | 11.5059% | 1,031 |
| Core capital (leverage) ratio | 10.0470% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,012,667 | 3,682 |
| Average earning assets | $113,167,667 | 3,775 |
| Average equity | $16,279,333 | 3,383 |
| Average total loans | $64,459,667 | 3,720 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 167 |
| Cost of funding earning assets | 0.3484% | 1,220 |
| Net interest margin | 4.5882% | 157 |
| Noninterest income to average assets | 0.9392% | 778 |
| Noninterest expense to average assets | 2.8235% | 1,112 |
| Loan and lease loss provision to assets | 0.3931% | 138 |
| Net operating income to assets | 1.2962% | 1,012 |
| Return on assets (ROA) | 1.2962% | 1,004 |
| Pretax return on assets | 1.6743% | 718 |
| Return on Equity (ROE) | 10.1845% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.1845% | 977 |
| Net charge-offs to loans | -0.3940% | 4,692 |
| Credit loss provision to net charge-offs | -204.6875% | 2,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6871% | 3,821 |
| Assets per employee ($millions) | 4.5100% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 3,766 |
| Loan loss allowance to noncurrent loans | 144.9438% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 1,445 |
| Noncurrent loans to loans | 0.6844% | 1,388 |
| Net loans and leases to total assets | 49.2224% | 3,254 |
| Net loans and leases to deposits | 56.3380% | 3,237 |
| Net loans and leases to core deposits | 63.2329% | 2,863 |
| Total domestic deposits to total assets | 87.3698% | 2,790 |
| Equity capital to assets | 12.2334% | 877 |
| Core capital (leverage) ratio | 9.2967% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,310,000 | 3,688 |
| Average earning assets | $114,816,000 | 3,780 |
| Average equity | $16,967,000 | 3,397 |
| Average total loans | $64,976,000 | 3,719 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0355% | 4,674 |
| Cost of funding earning assets | 0.1941% | 3,535 |
| Net interest margin | 1.8414% | 4,657 |
| Noninterest income to average assets | 0.4892% | 2,627 |
| Noninterest expense to average assets | 1.1773% | 4,719 |
| Loan and lease loss provision to assets | 0.2812% | 301 |
| Net operating income to assets | 0.5342% | 4,011 |
| Return on assets (ROA) | 0.5342% | 4,062 |
| Pretax return on assets | 0.6866% | 3,955 |
| Return on Equity (ROE) | 3.4050% | 4,308 |
| Retained earnings to average equity (ytd only) | 3.4050% | 3,457 |
| Net charge-offs to loans | -0.1176% | 4,612 |
| Credit loss provision to net charge-offs | -455.5556% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8899% | 3,942 |
| Assets per employee ($millions) | 4.6838% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 4,437 |
| Loan loss allowance to noncurrent loans | 109.2233% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 1,584 |
| Noncurrent loans to loans | 0.6345% | 1,569 |
| Net loans and leases to total assets | 47.4704% | 3,543 |
| Net loans and leases to deposits | 54.8491% | 3,528 |
| Net loans and leases to core deposits | 61.2342% | 3,225 |
| Total domestic deposits to total assets | 86.5472% | 2,692 |
| Equity capital to assets | 13.2033% | 846 |
| Core capital (leverage) ratio | 8.7139% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,233,000 | 3,666 |
| Average earning assets | $118,007,400 | 3,707 |
| Average equity | $20,587,600 | 3,164 |
| Average total loans | $68,862,600 | 3,671 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1179% | 4,866 |
| Cost of funding earning assets | 0.1095% | 4,426 |
| Net interest margin | 1.0084% | 4,864 |
| Noninterest income to average assets | 0.2819% | 3,751 |
| Noninterest expense to average assets | 0.5955% | 4,890 |
| Loan and lease loss provision to assets | 0.1622% | 679 |
| Net operating income to assets | 0.3372% | 4,460 |
| Return on assets (ROA) | 0.3372% | 4,489 |
| Pretax return on assets | 0.4397% | 4,438 |
| Return on Equity (ROE) | 2.0642% | 4,584 |
| Retained earnings to average equity (ytd only) | 2.0642% | 4,172 |
| Net charge-offs to loans | -0.1107% | 4,648 |
| Credit loss provision to net charge-offs | -272.4138% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8014% | 4,308 |
| Assets per employee ($millions) | 4.5688% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3245% | 4,804 |
| Loan loss allowance to noncurrent loans | 93.1034% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 2,306 |
| Noncurrent loans to loans | 0.3485% | 2,531 |
| Net loans and leases to total assets | 48.4084% | 3,584 |
| Net loans and leases to deposits | 55.8402% | 3,589 |
| Net loans and leases to core deposits | 62.2833% | 3,288 |
| Total domestic deposits to total assets | 86.6910% | 2,466 |
| Equity capital to assets | 12.9938% | 982 |
| Core capital (leverage) ratio | 9.0355% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,083,750 | 3,712 |
| Average earning assets | $118,070,750 | 3,743 |
| Average equity | $21,251,000 | 3,151 |
| Average total loans | $69,846,000 | 3,703 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 554 |
| Cost of funding earning assets | 0.5437% | 972 |
| Net interest margin | 4.1302% | 659 |
| Noninterest income to average assets | 0.8172% | 1,486 |
| Noninterest expense to average assets | 3.2875% | 627 |
| Loan and lease loss provision to assets | 0.0141% | 2,675 |
| Net operating income to assets | 1.2320% | 2,076 |
| Return on assets (ROA) | 1.2320% | 2,141 |
| Pretax return on assets | 1.3213% | 2,577 |
| Return on Equity (ROE) | 7.0274% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.2505% | 3,096 |
| Net charge-offs to loans | 1.1334% | 67 |
| Credit loss provision to net charge-offs | 2.2388% | 1,795 |
| Earnings coverage of net charge-offs (x) | 2.1219% | 2,144 |
| Efficiency ratio | 71.1141% | 1,513 |
| Assets per employee ($millions) | 3.8234% | 4,540 |
| Cash dividends to net income (ytd only)* | 25.2859% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0737% | 141 |
| Loan loss allowance to noncurrent loans | 354.7967% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 1,263 |
| Noncurrent loans to loans | 0.8663% | 1,418 |
| Net loans and leases to total assets | 52.9309% | 3,257 |
| Net loans and leases to deposits | 64.8071% | 2,917 |
| Net loans and leases to core deposits | 73.3644% | 2,477 |
| Total domestic deposits to total assets | 81.6745% | 3,983 |
| Equity capital to assets | 17.3977% | 305 |
| Core capital (leverage) ratio | 17.2920% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,756,667 | 3,751 |
| Average earning assets | $117,718,333 | 3,762 |
| Average equity | $22,398,000 | 3,058 |
| Average total loans | $70,939,000 | 3,707 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 564 |
| Cost of funding earning assets | 0.5926% | 903 |
| Net interest margin | 4.1171% | 705 |
| Noninterest income to average assets | 0.8054% | 1,572 |
| Noninterest expense to average assets | 3.1681% | 748 |
| Loan and lease loss provision to assets | 0.0284% | 2,414 |
| Net operating income to assets | 1.2856% | 1,872 |
| Return on assets (ROA) | 1.2856% | 1,942 |
| Pretax return on assets | 1.4056% | 2,263 |
| Return on Equity (ROE) | 7.3041% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.3041% | 2,476 |
| Net charge-offs to loans | 0.4174% | 198 |
| Credit loss provision to net charge-offs | 12.1622% | 1,445 |
| Earnings coverage of net charge-offs (x) | 6.1351% | 1,653 |
| Efficiency ratio | 68.8401% | 1,832 |
| Assets per employee ($millions) | 3.8505% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5639% | 94 |
| Loan loss allowance to noncurrent loans | 356.0284% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7469% | 1,229 |
| Noncurrent loans to loans | 1.0010% | 1,340 |
| Net loans and leases to total assets | 53.4513% | 3,294 |
| Net loans and leases to deposits | 65.5247% | 2,972 |
| Net loans and leases to core deposits | 74.1207% | 2,503 |
| Total domestic deposits to total assets | 81.5743% | 3,975 |
| Equity capital to assets | 17.4648% | 278 |
| Core capital (leverage) ratio | 17.3433% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,638,000 | 3,771 |
| Average earning assets | $116,781,500 | 3,774 |
| Average equity | $22,289,000 | 3,057 |
| Average total loans | $70,914,000 | 3,717 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6880% | 139 |
| Cost of funding earning assets | 0.8469% | 1,028 |
| Net interest margin | 4.8411% | 159 |
| Noninterest income to average assets | 0.8437% | 1,406 |
| Noninterest expense to average assets | 3.2019% | 1,054 |
| Loan and lease loss provision to assets | 0.0426% | 3,868 |
| Net operating income to assets | 1.9308% | 298 |
| Return on assets (ROA) | 1.9308% | 323 |
| Pretax return on assets | 2.0423% | 419 |
| Return on Equity (ROE) | 10.4252% | 1,836 |
| Retained earnings to average equity (ytd only) | 5.2172% | 2,176 |
| Net charge-offs to loans | -0.0376% | 4,607 |
| Credit loss provision to net charge-offs | -185.1852% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5636% | 3,378 |
| Assets per employee ($millions) | 3.7120% | 4,559 |
| Cash dividends to net income (ytd only)* | 49.9559% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6065% | 84 |
| Loan loss allowance to noncurrent loans | 253.9448% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 954 |
| Noncurrent loans to loans | 1.4202% | 946 |
| Net loans and leases to total assets | 54.5318% | 3,442 |
| Net loans and leases to deposits | 67.0401% | 3,177 |
| Net loans and leases to core deposits | 76.2931% | 2,707 |
| Total domestic deposits to total assets | 81.3421% | 3,796 |
| Equity capital to assets | 17.7372% | 288 |
| Core capital (leverage) ratio | 17.4874% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,463,000 | 3,774 |
| Average earning assets | $107,805,000 | 3,801 |
| Average equity | $21,755,000 | 3,033 |
| Average total loans | $71,754,000 | 3,690 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8835% | 127 |
| Cost of funding earning assets | 0.8933% | 1,088 |
| Net interest margin | 4.9901% | 145 |
| Noninterest income to average assets | 0.8929% | 1,244 |
| Noninterest expense to average assets | 3.1934% | 1,081 |
| Loan and lease loss provision to assets | 0.0347% | 3,903 |
| Net operating income to assets | 2.1062% | 242 |
| Return on assets (ROA) | 2.1062% | 257 |
| Pretax return on assets | 2.2392% | 314 |
| Return on Equity (ROE) | 11.2419% | 1,609 |
| Retained earnings to average equity (ytd only) | 8.6922% | 1,079 |
| Net charge-offs to loans | -0.0186% | 4,392 |
| Credit loss provision to net charge-offs | -300.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4091% | 3,610 |
| Assets per employee ($millions) | 3.5528% | 4,638 |
| Cash dividends to net income (ytd only)* | 22.6798% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5148% | 92 |
| Loan loss allowance to noncurrent loans | 235.6546% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 1,077 |
| Noncurrent loans to loans | 1.4915% | 963 |
| Net loans and leases to total assets | 57.6766% | 3,449 |
| Net loans and leases to deposits | 71.8324% | 3,146 |
| Net loans and leases to core deposits | 81.3552% | 2,716 |
| Total domestic deposits to total assets | 80.2932% | 3,800 |
| Equity capital to assets | 18.6885% | 258 |
| Core capital (leverage) ratio | 18.2613% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,276,500 | 3,800 |
| Average earning assets | $105,672,250 | 3,827 |
| Average equity | $21,597,250 | 3,040 |
| Average total loans | $71,842,750 | 3,713 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0950% | 131 |
| Cost of funding earning assets | 0.9398% | 1,191 |
| Net interest margin | 5.1552% | 149 |
| Noninterest income to average assets | 0.9415% | 1,088 |
| Noninterest expense to average assets | 3.2988% | 1,000 |
| Loan and lease loss provision to assets | 0.0529% | 3,644 |
| Net operating income to assets | 2.1739% | 230 |
| Return on assets (ROA) | 2.1739% | 251 |
| Pretax return on assets | 2.3097% | 299 |
| Return on Equity (ROE) | 11.5931% | 1,455 |
| Retained earnings to average equity (ytd only) | 9.8254% | 820 |
| Net charge-offs to loans | -0.0418% | 4,633 |
| Credit loss provision to net charge-offs | -200.0000% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2685% | 3,659 |
| Assets per employee ($millions) | 3.7005% | 4,547 |
| Cash dividends to net income (ytd only)* | 15.2474% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5526% | 87 |
| Loan loss allowance to noncurrent loans | 246.1762% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 1,178 |
| Noncurrent loans to loans | 1.4431% | 1,061 |
| Net loans and leases to total assets | 58.3016% | 3,489 |
| Net loans and leases to deposits | 72.6306% | 3,198 |
| Net loans and leases to core deposits | 81.1689% | 2,853 |
| Total domestic deposits to total assets | 80.2714% | 3,780 |
| Equity capital to assets | 18.7093% | 252 |
| Core capital (leverage) ratio | 18.8340% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,436,667 | 3,806 |
| Average earning assets | $103,855,333 | 3,845 |
| Average equity | $21,271,333 | 3,057 |
| Average total loans | $71,720,667 | 3,723 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4298% | 90 |
| Cost of funding earning assets | 1.0032% | 1,404 |
| Net interest margin | 5.4266% | 98 |
| Noninterest income to average assets | 1.0167% | 828 |
| Noninterest expense to average assets | 3.3097% | 1,207 |
| Loan and lease loss provision to assets | 0.0721% | 2,832 |
| Net operating income to assets | 2.4480% | 117 |
| Return on assets (ROA) | 2.4480% | 126 |
| Pretax return on assets | 2.5886% | 144 |
| Return on Equity (ROE) | 13.0392% | 876 |
| Retained earnings to average equity (ytd only) | 13.0392% | 316 |
| Net charge-offs to loans | -0.2674% | 4,971 |
| Credit loss provision to net charge-offs | -41.6667% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4348% | 4,266 |
| Assets per employee ($millions) | 3.1558% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5755% | 96 |
| Loan loss allowance to noncurrent loans | 222.5499% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.1643% | 1,084 |
| Noncurrent loans to loans | 1.6066% | 966 |
| Net loans and leases to total assets | 62.6505% | 3,230 |
| Net loans and leases to deposits | 78.3222% | 2,851 |
| Net loans and leases to core deposits | 87.3782% | 2,569 |
| Total domestic deposits to total assets | 79.9908% | 3,867 |
| Equity capital to assets | 18.9880% | 289 |
| Core capital (leverage) ratio | 19.1584% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,946,500 | 3,833 |
| Average earning assets | $101,278,500 | 3,861 |
| Average equity | $20,829,500 | 3,089 |
| Average total loans | $71,790,000 | 3,732 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3161% | 140 |
| Cost of funding earning assets | 1.0054% | 1,702 |
| Net interest margin | 5.3106% | 150 |
| Noninterest income to average assets | 0.8911% | 1,192 |
| Noninterest expense to average assets | 3.2273% | 1,455 |
| Loan and lease loss provision to assets | 0.2551% | 705 |
| Net operating income to assets | 2.1175% | 263 |
| Return on assets (ROA) | 2.1175% | 275 |
| Pretax return on assets | 2.2405% | 353 |
| Return on Equity (ROE) | 11.5896% | 1,656 |
| Retained earnings to average equity (ytd only) | 5.9594% | 1,887 |
| Net charge-offs to loans | 0.3161% | 655 |
| Credit loss provision to net charge-offs | 130.2326% | 1,964 |
| Earnings coverage of net charge-offs (x) | 12.7395% | 2,398 |
| Efficiency ratio | 56.3923% | 4,157 |
| Assets per employee ($millions) | 3.2776% | 4,660 |
| Cash dividends to net income (ytd only)* | 48.5800% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4784% | 87 |
| Loan loss allowance to noncurrent loans | 228.3364% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1037% | 1,104 |
| Noncurrent loans to loans | 1.5234% | 943 |
| Net loans and leases to total assets | 62.2008% | 3,377 |
| Net loans and leases to deposits | 77.4844% | 3,064 |
| Net loans and leases to core deposits | 86.9580% | 2,715 |
| Total domestic deposits to total assets | 80.2753% | 3,919 |
| Equity capital to assets | 18.5626% | 329 |
| Core capital (leverage) ratio | 18.6418% | 298 |
| Tier 1 risk-based capital ratio | 26.1893% | 661 |
| Total risk-based capital ratio | 27.4627% | 648 |
| Memoranda: | ||
| Average total assets | $109,750,800 | 3,837 |
| Average earning assets | $99,856,400 | 3,875 |
| Average equity | $20,052,400 | 3,127 |
| Average total loans | $68,016,000 | 3,812 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2814% | 153 |
| Cost of funding earning assets | 0.9892% | 1,807 |
| Net interest margin | 5.2922% | 167 |
| Noninterest income to average assets | 0.8476% | 1,285 |
| Noninterest expense to average assets | 3.1354% | 1,623 |
| Loan and lease loss provision to assets | 0.1585% | 1,190 |
| Net operating income to assets | 2.2317% | 260 |
| Return on assets (ROA) | 2.2317% | 269 |
| Pretax return on assets | 2.3622% | 331 |
| Return on Equity (ROE) | 12.2647% | 1,527 |
| Retained earnings to average equity (ytd only) | 9.3761% | 934 |
| Net charge-offs to loans | 0.1392% | 1,154 |
| Credit loss provision to net charge-offs | 185.7143% | 1,398 |
| Earnings coverage of net charge-offs (x) | 29.5289% | 1,638 |
| Efficiency ratio | 55.4334% | 4,225 |
| Assets per employee ($millions) | 3.2196% | 4,736 |
| Cash dividends to net income (ytd only)* | 23.5518% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6529% | 82 |
| Loan loss allowance to noncurrent loans | 222.7882% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 1,084 |
| Noncurrent loans to loans | 1.6396% | 893 |
| Net loans and leases to total assets | 60.0678% | 3,668 |
| Net loans and leases to deposits | 75.3285% | 3,360 |
| Net loans and leases to core deposits | 85.6386% | 2,940 |
| Total domestic deposits to total assets | 79.7411% | 4,036 |
| Equity capital to assets | 19.0595% | 309 |
| Core capital (leverage) ratio | 18.8598% | 298 |
| Tier 1 risk-based capital ratio | 27.4158% | 613 |
| Total risk-based capital ratio | 28.6904% | 596 |
| Memoranda: | ||
| Average total assets | $109,328,750 | 3,883 |
| Average earning assets | $99,338,250 | 3,918 |
| Average equity | $19,894,000 | 3,164 |
| Average total loans | $67,066,500 | 3,877 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1642% | 184 |
| Cost of funding earning assets | 0.9494% | 1,916 |
| Net interest margin | 5.2148% | 193 |
| Noninterest income to average assets | 0.7485% | 1,530 |
| Noninterest expense to average assets | 2.9904% | 2,029 |
| Loan and lease loss provision to assets | 0.1830% | 973 |
| Net operating income to assets | 2.1852% | 275 |
| Return on assets (ROA) | 2.1852% | 289 |
| Pretax return on assets | 2.3096% | 354 |
| Return on Equity (ROE) | 12.2019% | 1,506 |
| Retained earnings to average equity (ytd only) | 10.0967% | 726 |
| Net charge-offs to loans | 0.2310% | 731 |
| Credit loss provision to net charge-offs | 129.8701% | 1,665 |
| Earnings coverage of net charge-offs (x) | 17.6883% | 1,883 |
| Efficiency ratio | 54.5394% | 4,411 |
| Assets per employee ($millions) | 3.3536% | 4,658 |
| Cash dividends to net income (ytd only)* | 17.2529% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6266% | 76 |
| Loan loss allowance to noncurrent loans | 237.9845% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 1,313 |
| Noncurrent loans to loans | 1.5239% | 1,011 |
| Net loans and leases to total assets | 58.9726% | 3,826 |
| Net loans and leases to deposits | 73.2738% | 3,571 |
| Net loans and leases to core deposits | 83.2228% | 3,177 |
| Total domestic deposits to total assets | 80.4825% | 3,943 |
| Equity capital to assets | 18.3961% | 343 |
| Core capital (leverage) ratio | 18.4252% | 316 |
| Tier 1 risk-based capital ratio | 26.4091% | 663 |
| Total risk-based capital ratio | 27.6829% | 648 |
| Memoranda: | ||
| Average total assets | $109,282,330 | 3,908 |
| Average earning assets | $99,218,000 | 3,938 |
| Average equity | $19,570,670 | 3,190 |
| Average total loans | $66,672,670 | 3,911 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0243% | 216 |
| Cost of funding earning assets | 0.8739% | 2,132 |
| Net interest margin | 5.1505% | 216 |
| Noninterest income to average assets | 0.7699% | 1,366 |
| Noninterest expense to average assets | 2.9285% | 2,187 |
| Loan and lease loss provision to assets | 0.2210% | 704 |
| Net operating income to assets | 2.2065% | 270 |
| Return on assets (ROA) | 2.2065% | 280 |
| Pretax return on assets | 2.3317% | 338 |
| Return on Equity (ROE) | 12.4945% | 1,382 |
| Retained earnings to average equity (ytd only) | 12.4945% | 538 |
| Net charge-offs to loans | 0.2721% | 543 |
| Credit loss provision to net charge-offs | 133.3333% | 1,335 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,737 |
| Efficiency ratio | 53.4274% | 4,586 |
| Assets per employee ($millions) | 3.1148% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6520% | 76 |
| Loan loss allowance to noncurrent loans | 269.0110% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 1,394 |
| Noncurrent loans to loans | 1.3576% | 1,196 |
| Net loans and leases to total assets | 59.2410% | 3,767 |
| Net loans and leases to deposits | 73.1316% | 3,521 |
| Net loans and leases to core deposits | 81.7529% | 3,202 |
| Total domestic deposits to total assets | 81.0061% | 3,967 |
| Equity capital to assets | 17.9859% | 352 |
| Core capital (leverage) ratio | 18.3442% | 318 |
| Tier 1 risk-based capital ratio | 26.9778% | 620 |
| Total risk-based capital ratio | 28.2541% | 605 |
| Memoranda: | ||
| Average total assets | $108,588,500 | 3,960 |
| Average earning assets | $99,330,500 | 3,980 |
| Average equity | $19,176,500 | 3,241 |
| Average total loans | $66,148,500 | 3,961 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9061% | 194 |
| Cost of funding earning assets | 0.6847% | 2,180 |
| Net interest margin | 5.2214% | 183 |
| Noninterest income to average assets | 0.7005% | 1,854 |
| Noninterest expense to average assets | 3.1528% | 1,668 |
| Loan and lease loss provision to assets | 0.1933% | 983 |
| Net operating income to assets | 1.9617% | 387 |
| Return on assets (ROA) | 1.9626% | 388 |
| Pretax return on assets | 2.0795% | 459 |
| Return on Equity (ROE) | 11.5940% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.0907% | 2,148 |
| Net charge-offs to loans | 0.1170% | 1,580 |
| Credit loss provision to net charge-offs | 276.3158% | 1,096 |
| Earnings coverage of net charge-offs (x) | 32.4737% | 1,518 |
| Efficiency ratio | 58.1198% | 4,142 |
| Assets per employee ($millions) | 3.0902% | 4,931 |
| Cash dividends to net income (ytd only)* | 47.4672% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7279% | 68 |
| Loan loss allowance to noncurrent loans | 243.0569% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 1,405 |
| Noncurrent loans to loans | 1.5337% | 983 |
| Net loans and leases to total assets | 58.0928% | 3,950 |
| Net loans and leases to deposits | 71.2429% | 3,728 |
| Net loans and leases to core deposits | 77.3784% | 3,618 |
| Total domestic deposits to total assets | 81.5418% | 3,774 |
| Equity capital to assets | 17.3311% | 392 |
| Core capital (leverage) ratio | 17.9812% | 331 |
| Tier 1 risk-based capital ratio | 26.3782% | 649 |
| Total risk-based capital ratio | 27.6526% | 638 |
| Memoranda: | ||
| Average total assets | $108,633,800 | 3,961 |
| Average earning assets | $98,288,400 | 3,998 |
| Average equity | $18,388,800 | 3,255 |
| Average total loans | $64,945,400 | 3,987 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8308% | 206 |
| Cost of funding earning assets | 0.6488% | 2,156 |
| Net interest margin | 5.1820% | 185 |
| Noninterest income to average assets | 0.7160% | 1,809 |
| Noninterest expense to average assets | 3.0650% | 1,845 |
| Loan and lease loss provision to assets | 0.1900% | 936 |
| Net operating income to assets | 2.0303% | 352 |
| Return on assets (ROA) | 2.0315% | 350 |
| Pretax return on assets | 2.1430% | 437 |
| Return on Equity (ROE) | 12.0727% | 1,766 |
| Retained earnings to average equity (ytd only) | 9.2021% | 1,155 |
| Net charge-offs to loans | 0.1480% | 1,115 |
| Credit loss provision to net charge-offs | 215.2778% | 1,308 |
| Earnings coverage of net charge-offs (x) | 26.4160% | 1,746 |
| Efficiency ratio | 56.7924% | 4,279 |
| Assets per employee ($millions) | 3.1103% | 4,956 |
| Cash dividends to net income (ytd only)* | 23.7779% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7157% | 76 |
| Loan loss allowance to noncurrent loans | 178.8288% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 1.3702% | 980 |
| Noncurrent loans to loans | 2.0778% | 692 |
| Net loans and leases to total assets | 58.3688% | 3,995 |
| Net loans and leases to deposits | 71.9414% | 3,775 |
| Net loans and leases to core deposits | 77.8344% | 3,673 |
| Total domestic deposits to total assets | 81.1338% | 3,833 |
| Equity capital to assets | 17.6634% | 362 |
| Core capital (leverage) ratio | 18.1764% | 316 |
| Tier 1 risk-based capital ratio | 27.0607% | 624 |
| Total risk-based capital ratio | 28.3361% | 612 |
| Memoranda: | ||
| Average total assets | $108,752,750 | 4,006 |
| Average earning assets | $98,235,250 | 4,041 |
| Average equity | $18,299,750 | 3,281 |
| Average total loans | $64,865,500 | 4,023 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7230% | 226 |
| Cost of funding earning assets | 0.6195% | 2,109 |
| Net interest margin | 5.1035% | 207 |
| Noninterest income to average assets | 0.7380% | 1,694 |
| Noninterest expense to average assets | 2.9320% | 2,254 |
| Loan and lease loss provision to assets | 0.1822% | 982 |
| Net operating income to assets | 2.1085% | 309 |
| Return on assets (ROA) | 2.1102% | 305 |
| Pretax return on assets | 2.2341% | 365 |
| Return on Equity (ROE) | 12.7439% | 1,464 |
| Retained earnings to average equity (ytd only) | 10.6750% | 745 |
| Net charge-offs to loans | 0.1290% | 1,145 |
| Credit loss provision to net charge-offs | 238.0952% | 1,175 |
| Earnings coverage of net charge-offs (x) | 31.5476% | 1,452 |
| Efficiency ratio | 54.8398% | 4,602 |
| Assets per employee ($millions) | 3.3631% | 4,754 |
| Cash dividends to net income (ytd only)* | 16.2349% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6542% | 72 |
| Loan loss allowance to noncurrent loans | 198.5678% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 1,185 |
| Noncurrent loans to loans | 1.8403% | 845 |
| Net loans and leases to total assets | 57.7439% | 4,017 |
| Net loans and leases to deposits | 70.6527% | 3,806 |
| Net loans and leases to core deposits | 76.2821% | 3,724 |
| Total domestic deposits to total assets | 81.7292% | 3,801 |
| Equity capital to assets | 17.1920% | 386 |
| Core capital (leverage) ratio | 17.7269% | 329 |
| Tier 1 risk-based capital ratio | 26.0694% | 667 |
| Total risk-based capital ratio | 27.3429% | 651 |
| Memoranda: | ||
| Average total assets | $109,753,670 | 4,021 |
| Average earning assets | $99,109,330 | 4,067 |
| Average equity | $18,173,330 | 3,312 |
| Average total loans | $65,118,330 | 4,041 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5297% | 265 |
| Cost of funding earning assets | 0.5984% | 2,066 |
| Net interest margin | 4.9312% | 257 |
| Noninterest income to average assets | 0.7363% | 1,676 |
| Noninterest expense to average assets | 2.8912% | 2,401 |
| Loan and lease loss provision to assets | 0.2166% | 736 |
| Net operating income to assets | 1.9852% | 388 |
| Return on assets (ROA) | 1.9852% | 388 |
| Pretax return on assets | 2.0899% | 474 |
| Return on Equity (ROE) | 12.2161% | 1,503 |
| Retained earnings to average equity (ytd only) | 12.2161% | 646 |
| Net charge-offs to loans | 0.2690% | 580 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 14.5227% | 1,704 |
| Efficiency ratio | 55.6250% | 4,631 |
| Assets per employee ($millions) | 3.4454% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5795% | 84 |
| Loan loss allowance to noncurrent loans | 172.1190% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2381% | 1,216 |
| Noncurrent loans to loans | 2.0797% | 751 |
| Net loans and leases to total assets | 56.5595% | 4,076 |
| Net loans and leases to deposits | 68.5569% | 3,908 |
| Net loans and leases to core deposits | 75.5360% | 3,704 |
| Total domestic deposits to total assets | 82.5001% | 3,814 |
| Equity capital to assets | 16.4296% | 446 |
| Core capital (leverage) ratio | 16.9591% | 385 |
| Tier 1 risk-based capital ratio | 26.1634% | 670 |
| Total risk-based capital ratio | 27.4381% | 657 |
| Memoranda: | ||
| Average total assets | $110,820,500 | 4,052 |
| Average earning assets | $100,259,500 | 4,095 |
| Average equity | $18,009,000 | 3,357 |
| Average total loans | $65,427,000 | 4,071 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 231 |
| Cost of funding earning assets | 0.5936% | 1,639 |
| Net interest margin | 5.0029% | 237 |
| Noninterest income to average assets | 0.6589% | 2,143 |
| Noninterest expense to average assets | 3.0231% | 2,095 |
| Loan and lease loss provision to assets | 0.2393% | 799 |
| Net operating income to assets | 1.8084% | 410 |
| Return on assets (ROA) | 1.8102% | 416 |
| Pretax return on assets | 1.9123% | 589 |
| Return on Equity (ROE) | 11.1527% | 1,418 |
| Retained earnings to average equity (ytd only) | 5.9421% | 1,579 |
| Net charge-offs to loans | 0.7601% | 272 |
| Credit loss provision to net charge-offs | 52.6316% | 3,297 |
| Earnings coverage of net charge-offs (x) | 4.7287% | 3,419 |
| Efficiency ratio | 58.4416% | 4,476 |
| Assets per employee ($millions) | 3.1825% | 5,049 |
| Cash dividends to net income (ytd only)* | 46.7209% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4738% | 90 |
| Loan loss allowance to noncurrent loans | 137.2537% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5935% | 838 |
| Noncurrent loans to loans | 2.5309% | 524 |
| Net loans and leases to total assets | 57.3504% | 4,073 |
| Net loans and leases to deposits | 69.2195% | 3,931 |
| Net loans and leases to core deposits | 75.9199% | 3,751 |
| Total domestic deposits to total assets | 82.8529% | 3,608 |
| Equity capital to assets | 16.0734% | 506 |
| Core capital (leverage) ratio | 16.6708% | 392 |
| Tier 1 risk-based capital ratio | 25.0526% | 719 |
| Total risk-based capital ratio | 26.3269% | 705 |
| Memoranda: | ||
| Average total assets | $108,662,800 | 4,086 |
| Average earning assets | $98,042,600 | 4,130 |
| Average equity | $17,637,000 | 3,412 |
| Average total loans | $64,995,400 | 4,074 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5958% | 219 |
| Cost of funding earning assets | 0.5918% | 1,589 |
| Net interest margin | 5.0040% | 229 |
| Noninterest income to average assets | 0.6680% | 2,132 |
| Noninterest expense to average assets | 2.9560% | 2,228 |
| Loan and lease loss provision to assets | 0.1852% | 1,064 |
| Net operating income to assets | 1.9300% | 360 |
| Return on assets (ROA) | 1.9324% | 362 |
| Pretax return on assets | 2.0398% | 508 |
| Return on Equity (ROE) | 11.8758% | 1,374 |
| Retained earnings to average equity (ytd only) | 9.0302% | 829 |
| Net charge-offs to loans | 0.8367% | 215 |
| Credit loss provision to net charge-offs | 36.9458% | 3,023 |
| Earnings coverage of net charge-offs (x) | 4.4335% | 3,228 |
| Efficiency ratio | 57.0815% | 4,604 |
| Assets per employee ($millions) | 3.0519% | 5,216 |
| Cash dividends to net income (ytd only)* | 23.9618% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4747% | 95 |
| Loan loss allowance to noncurrent loans | 151.0949% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.5138% | 1,002 |
| Noncurrent loans to loans | 2.2997% | 692 |
| Net loans and leases to total assets | 59.2172% | 3,947 |
| Net loans and leases to deposits | 72.3713% | 3,732 |
| Net loans and leases to core deposits | 78.3380% | 3,602 |
| Total domestic deposits to total assets | 81.8241% | 3,824 |
| Equity capital to assets | 17.0488% | 421 |
| Core capital (leverage) ratio | 17.1200% | 373 |
| Tier 1 risk-based capital ratio | 25.3610% | 715 |
| Total risk-based capital ratio | 26.6341% | 706 |
| Memoranda: | ||
| Average total assets | $107,981,250 | 4,139 |
| Average earning assets | $97,333,000 | 4,182 |
| Average equity | $17,570,250 | 3,450 |
| Average total loans | $64,699,000 | 4,110 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 223 |
| Cost of funding earning assets | 0.5899% | 1,511 |
| Net interest margin | 4.9776% | 226 |
| Noninterest income to average assets | 0.6478% | 2,218 |
| Noninterest expense to average assets | 2.8698% | 2,516 |
| Loan and lease loss provision to assets | 0.2030% | 902 |
| Net operating income to assets | 1.9509% | 335 |
| Return on assets (ROA) | 1.9544% | 342 |
| Pretax return on assets | 2.0633% | 477 |
| Return on Equity (ROE) | 12.2028% | 1,236 |
| Retained earnings to average equity (ytd only) | 10.0480% | 576 |
| Net charge-offs to loans | 0.6644% | 294 |
| Credit loss provision to net charge-offs | 51.4019% | 2,547 |
| Earnings coverage of net charge-offs (x) | 5.7290% | 2,791 |
| Efficiency ratio | 55.9151% | 4,836 |
| Assets per employee ($millions) | 3.0943% | 5,191 |
| Cash dividends to net income (ytd only)* | 17.6582% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7771% | 74 |
| Loan loss allowance to noncurrent loans | 164.2326% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.4672% | 1,053 |
| Noncurrent loans to loans | 2.2999% | 690 |
| Net loans and leases to total assets | 57.1372% | 4,110 |
| Net loans and leases to deposits | 69.3314% | 3,959 |
| Net loans and leases to core deposits | 76.9199% | 3,689 |
| Total domestic deposits to total assets | 82.4117% | 3,767 |
| Equity capital to assets | 16.5459% | 463 |
| Core capital (leverage) ratio | 16.6166% | 406 |
| Tier 1 risk-based capital ratio | 25.6531% | 693 |
| Total risk-based capital ratio | 26.9308% | 683 |
| Memoranda: | ||
| Average total assets | $108,369,330 | 4,158 |
| Average earning assets | $97,637,330 | 4,206 |
| Average equity | $17,356,670 | 3,488 |
| Average total loans | $64,421,670 | 4,139 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 275 |
| Cost of funding earning assets | 0.5844% | 1,485 |
| Net interest margin | 4.8142% | 306 |
| Noninterest income to average assets | 0.6162% | 2,342 |
| Noninterest expense to average assets | 2.8597% | 2,580 |
| Loan and lease loss provision to assets | 0.1107% | 1,728 |
| Net operating income to assets | 1.8970% | 370 |
| Return on assets (ROA) | 1.9040% | 374 |
| Pretax return on assets | 1.9999% | 504 |
| Return on Equity (ROE) | 12.0875% | 1,210 |
| Retained earnings to average equity (ytd only) | 12.0875% | 464 |
| Net charge-offs to loans | -0.0124% | 4,513 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6208% | 4,760 |
| Assets per employee ($millions) | 3.1093% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0099% | 80 |
| Loan loss allowance to noncurrent loans | 576.4045% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,182 |
| Noncurrent loans to loans | 0.6957% | 2,761 |
| Net loans and leases to total assets | 56.4232% | 4,126 |
| Net loans and leases to deposits | 67.9331% | 3,998 |
| Net loans and leases to core deposits | 75.3427% | 3,711 |
| Total domestic deposits to total assets | 83.0570% | 3,810 |
| Equity capital to assets | 15.9533% | 505 |
| Core capital (leverage) ratio | 16.1535% | 447 |
| Tier 1 risk-based capital ratio | 25.2086% | 756 |
| Total risk-based capital ratio | 26.4881% | 737 |
| Memoranda: | ||
| Average total assets | $108,404,500 | 4,201 |
| Average earning assets | $97,878,000 | 4,238 |
| Average equity | $17,075,500 | 3,541 |
| Average total loans | $64,478,500 | 4,171 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4839% | 255 |
| Cost of funding earning assets | 0.5932% | 1,388 |
| Net interest margin | 4.8906% | 296 |
| Noninterest income to average assets | 0.6608% | 2,365 |
| Noninterest expense to average assets | 3.0520% | 2,174 |
| Loan and lease loss provision to assets | 0.1597% | 1,547 |
| Net operating income to assets | 1.7966% | 449 |
| Return on assets (ROA) | 1.8093% | 461 |
| Pretax return on assets | 1.9189% | 594 |
| Return on Equity (ROE) | 11.2145% | 1,502 |
| Retained earnings to average equity (ytd only) | 5.9620% | 1,724 |
| Net charge-offs to loans | 0.2019% | 1,373 |
| Credit loss provision to net charge-offs | 128.6822% | 2,079 |
| Earnings coverage of net charge-offs (x) | 16.6434% | 2,096 |
| Efficiency ratio | 59.6429% | 4,637 |
| Assets per employee ($millions) | 3.2723% | 5,077 |
| Cash dividends to net income (ytd only)* | 46.8368% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8975% | 84 |
| Loan loss allowance to noncurrent loans | 510.6855% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 2,708 |
| Noncurrent loans to loans | 0.7632% | 2,632 |
| Net loans and leases to total assets | 57.8386% | 4,082 |
| Net loans and leases to deposits | 69.3373% | 3,977 |
| Net loans and leases to core deposits | 76.4683% | 3,711 |
| Total domestic deposits to total assets | 83.4162% | 3,623 |
| Equity capital to assets | 15.5485% | 555 |
| Core capital (leverage) ratio | 16.1507% | 443 |
| Tier 1 risk-based capital ratio | 24.0114% | 866 |
| Total risk-based capital ratio | 25.2896% | 844 |
| Memoranda: | ||
| Average total assets | $103,964,600 | 4,287 |
| Average earning assets | $94,732,600 | 4,293 |
| Average equity | $16,773,000 | 3,581 |
| Average total loans | $63,888,000 | 4,183 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 252 |
| Cost of funding earning assets | 0.5912% | 1,401 |
| Net interest margin | 4.8997% | 305 |
| Noninterest income to average assets | 0.6863% | 2,230 |
| Noninterest expense to average assets | 3.0225% | 2,254 |
| Loan and lease loss provision to assets | 0.1360% | 1,729 |
| Net operating income to assets | 1.8942% | 406 |
| Return on assets (ROA) | 1.9114% | 417 |
| Pretax return on assets | 2.0215% | 546 |
| Return on Equity (ROE) | 11.7358% | 1,407 |
| Retained earnings to average equity (ytd only) | 8.9053% | 848 |
| Net charge-offs to loans | 0.1824% | 1,281 |
| Credit loss provision to net charge-offs | 120.6897% | 2,080 |
| Earnings coverage of net charge-offs (x) | 18.9880% | 1,965 |
| Efficiency ratio | 58.5549% | 4,743 |
| Assets per employee ($millions) | 3.3827% | 4,931 |
| Cash dividends to net income (ytd only)* | 24.1190% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8911% | 83 |
| Loan loss allowance to noncurrent loans | 600.0000% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 3,041 |
| Noncurrent loans to loans | 0.6485% | 3,076 |
| Net loans and leases to total assets | 59.2148% | 3,977 |
| Net loans and leases to deposits | 71.8700% | 3,822 |
| Net loans and leases to core deposits | 79.5182% | 3,495 |
| Total domestic deposits to total assets | 82.3915% | 3,812 |
| Equity capital to assets | 16.5290% | 481 |
| Core capital (leverage) ratio | 16.5302% | 411 |
| Tier 1 risk-based capital ratio | 25.2863% | 781 |
| Total risk-based capital ratio | 26.5669% | 764 |
| Memoranda: | ||
| Average total assets | $102,959,500 | 4,340 |
| Average earning assets | $94,044,750 | 4,343 |
| Average equity | $16,768,750 | 3,610 |
| Average total loans | $63,612,500 | 4,214 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4593% | 270 |
| Cost of funding earning assets | 0.5853% | 1,430 |
| Net interest margin | 4.8740% | 329 |
| Noninterest income to average assets | 0.6704% | 2,276 |
| Noninterest expense to average assets | 2.8947% | 2,694 |
| Loan and lease loss provision to assets | 0.1173% | 1,937 |
| Net operating income to assets | 2.0136% | 325 |
| Return on assets (ROA) | 2.0191% | 338 |
| Pretax return on assets | 2.1402% | 430 |
| Return on Equity (ROE) | 12.4603% | 1,167 |
| Retained earnings to average equity (ytd only) | 10.4218% | 521 |
| Net charge-offs to loans | 0.1138% | 1,687 |
| Credit loss provision to net charge-offs | 166.6667% | 1,481 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,350 |
| Efficiency ratio | 56.2476% | 5,120 |
| Assets per employee ($millions) | 3.2839% | 5,093 |
| Cash dividends to net income (ytd only)* | 16.3601% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8845% | 87 |
| Loan loss allowance to noncurrent loans | 535.0318% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 2,900 |
| Noncurrent loans to loans | 0.7260% | 2,919 |
| Net loans and leases to total assets | 61.2499% | 3,716 |
| Net loans and leases to deposits | 74.5484% | 3,523 |
| Net loans and leases to core deposits | 81.7348% | 3,294 |
| Total domestic deposits to total assets | 82.1613% | 3,955 |
| Equity capital to assets | 16.8034% | 453 |
| Core capital (leverage) ratio | 16.5185% | 403 |
| Tier 1 risk-based capital ratio | 23.6860% | 939 |
| Total risk-based capital ratio | 24.9639% | 910 |
| Memoranda: | ||
| Average total assets | $102,324,670 | 4,382 |
| Average earning assets | $93,968,000 | 4,386 |
| Average equity | $16,580,670 | 3,649 |
| Average total loans | $63,280,330 | 4,251 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 316 |
| Cost of funding earning assets | 0.5908% | 1,402 |
| Net interest margin | 4.7688% | 383 |
| Noninterest income to average assets | 0.7135% | 1,972 |
| Noninterest expense to average assets | 2.8698% | 2,814 |
| Loan and lease loss provision to assets | 0.1170% | 1,799 |
| Net operating income to assets | 1.9769% | 353 |
| Return on assets (ROA) | 1.9769% | 371 |
| Pretax return on assets | 2.1016% | 462 |
| Return on Equity (ROE) | 12.4280% | 1,174 |
| Retained earnings to average equity (ytd only) | 12.4280% | 446 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3985% | 5,160 |
| Assets per employee ($millions) | 3.2094% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9842% | 94 |
| Loan loss allowance to noncurrent loans | 508.2495% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 2,930 |
| Noncurrent loans to loans | 0.7839% | 2,881 |
| Net loans and leases to total assets | 59.2746% | 3,880 |
| Net loans and leases to deposits | 71.4671% | 3,701 |
| Net loans and leases to core deposits | 78.7985% | 3,421 |
| Total domestic deposits to total assets | 82.9396% | 3,923 |
| Equity capital to assets | 16.1811% | 515 |
| Core capital (leverage) ratio | 15.9866% | 471 |
| Tier 1 risk-based capital ratio | 22.9652% | 1,016 |
| Total risk-based capital ratio | 24.2436% | 995 |
| Memoranda: | ||
| Average total assets | $102,586,500 | 4,416 |
| Average earning assets | $94,112,000 | 4,424 |
| Average equity | $16,318,000 | 3,693 |
| Average total loans | $62,484,000 | 4,300 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 338 |
| Cost of funding earning assets | 0.5965% | 1,383 |
| Net interest margin | 4.7722% | 399 |
| Noninterest income to average assets | 0.6566% | 2,428 |
| Noninterest expense to average assets | 2.9909% | 2,579 |
| Loan and lease loss provision to assets | 0.0990% | 2,330 |
| Net operating income to assets | 1.8179% | 471 |
| Return on assets (ROA) | 1.8272% | 476 |
| Pretax return on assets | 1.9342% | 621 |
| Return on Equity (ROE) | 11.7597% | 1,369 |
| Retained earnings to average equity (ytd only) | 6.2655% | 1,664 |
| Net charge-offs to loans | 0.0855% | 2,606 |
| Credit loss provision to net charge-offs | 192.3077% | 1,437 |
| Earnings coverage of net charge-offs (x) | 39.2885% | 1,198 |
| Efficiency ratio | 59.6484% | 4,954 |
| Assets per employee ($millions) | 3.3056% | 5,144 |
| Cash dividends to net income (ytd only)* | 46.7209% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0541% | 84 |
| Loan loss allowance to noncurrent loans | 499.2000% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 3,238 |
| Noncurrent loans to loans | 0.8121% | 2,752 |
| Net loans and leases to total assets | 57.6454% | 4,129 |
| Net loans and leases to deposits | 69.1463% | 4,011 |
| Net loans and leases to core deposits | 75.3572% | 3,815 |
| Total domestic deposits to total assets | 83.3673% | 3,720 |
| Equity capital to assets | 15.6314% | 573 |
| Core capital (leverage) ratio | 15.8377% | 484 |
| Tier 1 risk-based capital ratio | 22.7259% | 1,048 |
| Total risk-based capital ratio | 24.0039% | 1,030 |
| Memoranda: | ||
| Average total assets | $100,974,000 | 4,441 |
| Average earning assets | $92,200,400 | 4,466 |
| Average equity | $15,689,200 | 3,729 |
| Average total loans | $60,816,600 | 4,357 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3420% | 350 |
| Cost of funding earning assets | 0.5926% | 1,455 |
| Net interest margin | 4.7494% | 420 |
| Noninterest income to average assets | 0.6600% | 2,426 |
| Noninterest expense to average assets | 2.9529% | 2,665 |
| Loan and lease loss provision to assets | 0.0663% | 2,858 |
| Net operating income to assets | 1.8674% | 452 |
| Return on assets (ROA) | 1.8674% | 472 |
| Pretax return on assets | 1.9748% | 628 |
| Return on Equity (ROE) | 12.0370% | 1,363 |
| Retained earnings to average equity (ytd only) | 8.9957% | 911 |
| Net charge-offs to loans | 0.0462% | 2,967 |
| Credit loss provision to net charge-offs | 238.0952% | 1,177 |
| Earnings coverage of net charge-offs (x) | 73.3314% | 788 |
| Efficiency ratio | 59.1295% | 4,987 |
| Assets per employee ($millions) | 3.0582% | 5,479 |
| Cash dividends to net income (ytd only)* | 25.2659% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0531% | 91 |
| Loan loss allowance to noncurrent loans | 693.8375% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 3,570 |
| Noncurrent loans to loans | 0.5842% | 3,581 |
| Net loans and leases to total assets | 58.1025% | 4,127 |
| Net loans and leases to deposits | 69.9375% | 3,994 |
| Net loans and leases to core deposits | 76.4428% | 3,748 |
| Total domestic deposits to total assets | 83.0777% | 3,791 |
| Equity capital to assets | 15.9374% | 568 |
| Core capital (leverage) ratio | 16.0358% | 487 |
| Tier 1 risk-based capital ratio | 23.0756% | 1,044 |
| Total risk-based capital ratio | 24.3533% | 1,026 |
| Memoranda: | ||
| Average total assets | $100,599,250 | 4,499 |
| Average earning assets | $91,799,250 | 4,521 |
| Average equity | $15,607,000 | 3,784 |
| Average total loans | $60,629,000 | 4,411 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3056% | 360 |
| Cost of funding earning assets | 0.5888% | 1,492 |
| Net interest margin | 4.7168% | 431 |
| Noninterest income to average assets | 0.6806% | 2,296 |
| Noninterest expense to average assets | 2.8719% | 2,991 |
| Loan and lease loss provision to assets | 0.0796% | 2,519 |
| Net operating income to assets | 1.9265% | 418 |
| Return on assets (ROA) | 1.9265% | 436 |
| Pretax return on assets | 2.0340% | 562 |
| Return on Equity (ROE) | 12.5324% | 1,212 |
| Retained earnings to average equity (ytd only) | 10.3444% | 613 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6048% | 5,266 |
| Assets per employee ($millions) | 3.0524% | 5,527 |
| Cash dividends to net income (ytd only)* | 17.4587% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0909% | 99 |
| Loan loss allowance to noncurrent loans | 543.2314% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 3,650 |
| Noncurrent loans to loans | 0.7531% | 3,229 |
| Net loans and leases to total assets | 57.9084% | 4,114 |
| Net loans and leases to deposits | 69.4380% | 3,990 |
| Net loans and leases to core deposits | 76.1468% | 3,754 |
| Total domestic deposits to total assets | 83.3959% | 3,794 |
| Equity capital to assets | 15.6759% | 572 |
| Core capital (leverage) ratio | 15.8397% | 489 |
| Tier 1 risk-based capital ratio | 23.9618% | 959 |
| Total risk-based capital ratio | 25.2433% | 943 |
| Memoranda: | ||
| Average total assets | $100,492,330 | 4,542 |
| Average earning assets | $91,715,000 | 4,565 |
| Average equity | $15,448,000 | 3,821 |
| Average total loans | $60,467,330 | 4,448 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2586% | 377 |
| Cost of funding earning assets | 0.5858% | 1,536 |
| Net interest margin | 4.6729% | 433 |
| Noninterest income to average assets | 0.6894% | 2,208 |
| Noninterest expense to average assets | 2.9051% | 2,891 |
| Loan and lease loss provision to assets | 0.0996% | 2,033 |
| Net operating income to assets | 1.8371% | 453 |
| Return on assets (ROA) | 1.8371% | 481 |
| Pretax return on assets | 1.9447% | 658 |
| Return on Equity (ROE) | 12.0704% | 1,329 |
| Retained earnings to average equity (ytd only) | 12.0704% | 561 |
| Net charge-offs to loans | -0.1327% | 5,948 |
| Credit loss provision to net charge-offs | -125.0000% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6957% | 5,258 |
| Assets per employee ($millions) | 3.0449% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1402% | 114 |
| Loan loss allowance to noncurrent loans | 668.3646% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 3,283 |
| Noncurrent loans to loans | 0.6194% | 3,719 |
| Net loans and leases to total assets | 57.4457% | 4,032 |
| Net loans and leases to deposits | 68.6244% | 3,902 |
| Net loans and leases to core deposits | 74.9821% | 3,690 |
| Total domestic deposits to total assets | 83.7104% | 3,931 |
| Equity capital to assets | 15.4616% | 634 |
| Core capital (leverage) ratio | 15.4707% | 542 |
| Tier 1 risk-based capital ratio | 23.7039% | 1,021 |
| Total risk-based capital ratio | 24.9855% | 1,009 |
| Memoranda: | ||
| Average total assets | $100,374,500 | 4,586 |
| Average earning assets | $91,506,500 | 4,605 |
| Average equity | $15,277,000 | 3,876 |
| Average total loans | $60,292,000 | 4,485 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2317% | 491 |
| Cost of funding earning assets | 0.6198% | 1,606 |
| Net interest margin | 4.6119% | 605 |
| Noninterest income to average assets | 0.6450% | 2,585 |
| Noninterest expense to average assets | 2.8010% | 3,479 |
| Loan and lease loss provision to assets | 0.1541% | 1,703 |
| Net operating income to assets | 1.7829% | 492 |
| Return on assets (ROA) | 1.7643% | 521 |
| Pretax return on assets | 1.8634% | 690 |
| Return on Equity (ROE) | 12.3347% | 1,314 |
| Retained earnings to average equity (ytd only) | 6.6719% | 1,560 |
| Net charge-offs to loans | 0.2521% | 1,698 |
| Credit loss provision to net charge-offs | 105.3691% | 2,273 |
| Earnings coverage of net charge-offs (x) | 13.9262% | 2,224 |
| Efficiency ratio | 57.8937% | 5,468 |
| Assets per employee ($millions) | 3.0384% | 5,646 |
| Cash dividends to net income (ytd only)* | 45.9098% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0551% | 127 |
| Loan loss allowance to noncurrent loans | 403.9604% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 3,362 |
| Noncurrent loans to loans | 1.0038% | 2,824 |
| Net loans and leases to total assets | 57.7662% | 4,078 |
| Net loans and leases to deposits | 68.7481% | 4,057 |
| Net loans and leases to core deposits | 74.8411% | 3,837 |
| Total domestic deposits to total assets | 84.0258% | 3,709 |
| Equity capital to assets | 14.9779% | 708 |
| Core capital (leverage) ratio | 15.3138% | 560 |
| Tier 1 risk-based capital ratio | 23.1682% | 1,061 |
| Total risk-based capital ratio | 24.4499% | 1,033 |
| Memoranda: | ||
| Average total assets | $101,855,400 | 4,551 |
| Average earning assets | $92,607,800 | 4,590 |
| Average equity | $14,568,600 | 3,920 |
| Average total loans | $59,092,600 | 4,518 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 489 |
| Cost of funding earning assets | 0.6248% | 1,641 |
| Net interest margin | 4.6046% | 612 |
| Noninterest income to average assets | 0.6454% | 2,599 |
| Noninterest expense to average assets | 2.7044% | 3,810 |
| Loan and lease loss provision to assets | 0.1630% | 1,525 |
| Net operating income to assets | 1.8620% | 449 |
| Return on assets (ROA) | 1.8620% | 464 |
| Pretax return on assets | 1.9676% | 613 |
| Return on Equity (ROE) | 13.1704% | 1,180 |
| Retained earnings to average equity (ytd only) | 10.0623% | 688 |
| Net charge-offs to loans | 0.1633% | 2,164 |
| Credit loss provision to net charge-offs | 173.6111% | 1,432 |
| Earnings coverage of net charge-offs (x) | 22.6939% | 1,620 |
| Efficiency ratio | 55.9331% | 5,669 |
| Assets per employee ($millions) | 3.0011% | 5,720 |
| Cash dividends to net income (ytd only)* | 23.5994% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1354% | 148 |
| Loan loss allowance to noncurrent loans | 550.3311% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 4,056 |
| Noncurrent loans to loans | 0.7514% | 3,722 |
| Net loans and leases to total assets | 58.3539% | 4,024 |
| Net loans and leases to deposits | 69.6533% | 3,959 |
| Net loans and leases to core deposits | 76.2558% | 3,710 |
| Total domestic deposits to total assets | 83.7778% | 3,844 |
| Equity capital to assets | 15.2186% | 691 |
| Core capital (leverage) ratio | 15.1733% | 595 |
| Tier 1 risk-based capital ratio | 23.4752% | 1,051 |
| Total risk-based capital ratio | 24.7575% | 1,032 |
| Memoranda: | ||
| Average total assets | $102,252,250 | 4,590 |
| Average earning assets | $93,034,750 | 4,625 |
| Average equity | $14,456,250 | 3,965 |
| Average total loans | $58,773,500 | 4,560 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 542 |
| Cost of funding earning assets | 0.6309% | 1,640 |
| Net interest margin | 4.5295% | 663 |
| Noninterest income to average assets | 0.6388% | 2,610 |
| Noninterest expense to average assets | 2.5996% | 4,240 |
| Loan and lease loss provision to assets | 0.1645% | 1,496 |
| Net operating income to assets | 1.8795% | 429 |
| Return on assets (ROA) | 1.8795% | 441 |
| Pretax return on assets | 1.9879% | 570 |
| Return on Equity (ROE) | 13.6271% | 1,024 |
| Retained earnings to average equity (ytd only) | 11.2554% | 503 |
| Net charge-offs to loans | 0.0583% | 3,135 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 65.4118% | 759 |
| Efficiency ratio | 54.7047% | 5,854 |
| Assets per employee ($millions) | 3.0645% | 5,661 |
| Cash dividends to net income (ytd only)* | 17.4047% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2141% | 151 |
| Loan loss allowance to noncurrent loans | 661.7414% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 4,472 |
| Noncurrent loans to loans | 0.6368% | 4,116 |
| Net loans and leases to total assets | 56.3717% | 4,224 |
| Net loans and leases to deposits | 66.6671% | 4,198 |
| Net loans and leases to core deposits | 74.0033% | 3,843 |
| Total domestic deposits to total assets | 84.5570% | 3,698 |
| Equity capital to assets | 14.5480% | 808 |
| Core capital (leverage) ratio | 14.6481% | 665 |
| Tier 1 risk-based capital ratio | 23.1758% | 1,084 |
| Total risk-based capital ratio | 24.4586% | 1,064 |
| Memoranda: | ||
| Average total assets | $103,324,000 | 4,597 |
| Average earning assets | $93,828,330 | 4,643 |
| Average equity | $14,251,000 | 3,998 |
| Average total loans | $58,269,670 | 4,601 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 635 |
| Cost of funding earning assets | 0.6384% | 1,662 |
| Net interest margin | 4.4264% | 760 |
| Noninterest income to average assets | 0.6359% | 2,543 |
| Noninterest expense to average assets | 2.6086% | 4,240 |
| Loan and lease loss provision to assets | 0.1724% | 1,403 |
| Net operating income to assets | 1.7582% | 517 |
| Return on assets (ROA) | 1.7582% | 533 |
| Pretax return on assets | 1.8655% | 702 |
| Return on Equity (ROE) | 13.0951% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.0951% | 476 |
| Net charge-offs to loans | 0.0971% | 2,196 |
| Credit loss provision to net charge-offs | 321.4286% | 761 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 909 |
| Efficiency ratio | 56.1418% | 5,825 |
| Assets per employee ($millions) | 3.2476% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2625% | 156 |
| Loan loss allowance to noncurrent loans | 797.0968% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 4,847 |
| Noncurrent loans to loans | 0.5348% | 4,570 |
| Net loans and leases to total assets | 53.4034% | 4,499 |
| Net loans and leases to deposits | 62.5214% | 4,486 |
| Net loans and leases to core deposits | 69.3607% | 4,167 |
| Total domestic deposits to total assets | 85.4163% | 3,663 |
| Equity capital to assets | 13.7437% | 1,016 |
| Core capital (leverage) ratio | 14.0990% | 790 |
| Tier 1 risk-based capital ratio | 22.4292% | 1,221 |
| Total risk-based capital ratio | 23.7108% | 1,192 |
| Memoranda: | ||
| Average total assets | $104,422,500 | 4,621 |
| Average earning assets | $94,613,500 | 4,668 |
| Average equity | $14,020,500 | 4,043 |
| Average total loans | $57,647,000 | 4,666 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 543 |
| Cost of funding earning assets | 0.7394% | 1,565 |
| Net interest margin | 4.5493% | 670 |
| Noninterest income to average assets | 0.6684% | 2,714 |
| Noninterest expense to average assets | 2.8641% | 3,482 |
| Loan and lease loss provision to assets | 0.2419% | 1,492 |
| Net operating income to assets | 1.5737% | 729 |
| Return on assets (ROA) | 1.5737% | 752 |
| Pretax return on assets | 1.6626% | 1,029 |
| Return on Equity (ROE) | 11.7550% | 1,502 |
| Retained earnings to average equity (ytd only) | 6.7772% | 1,539 |
| Net charge-offs to loans | 0.1201% | 3,610 |
| Credit loss provision to net charge-offs | 350.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 27.5571% | 1,269 |
| Efficiency ratio | 60.0621% | 5,465 |
| Assets per employee ($millions) | 3.1794% | 5,532 |
| Cash dividends to net income (ytd only)* | 42.3463% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2565% | 168 |
| Loan loss allowance to noncurrent loans | 654.1555% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 4,773 |
| Noncurrent loans to loans | 0.6507% | 4,342 |
| Net loans and leases to total assets | 52.3098% | 4,810 |
| Net loans and leases to deposits | 60.9910% | 4,831 |
| Net loans and leases to core deposits | 67.5437% | 4,557 |
| Total domestic deposits to total assets | 85.7664% | 3,381 |
| Equity capital to assets | 13.1127% | 1,222 |
| Core capital (leverage) ratio | 13.6774% | 909 |
| Tier 1 risk-based capital ratio | 21.8159% | 1,290 |
| Total risk-based capital ratio | 23.0968% | 1,259 |
| Memoranda: | ||
| Average total assets | $101,289,600 | 4,712 |
| Average earning assets | $91,289,000 | 4,738 |
| Average equity | $13,560,200 | 4,153 |
| Average total loans | $58,270,600 | 4,675 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3124% | 518 |
| Cost of funding earning assets | 0.7400% | 1,667 |
| Net interest margin | 4.5725% | 651 |
| Noninterest income to average assets | 0.6867% | 2,683 |
| Noninterest expense to average assets | 2.8809% | 3,372 |
| Loan and lease loss provision to assets | 0.2988% | 1,134 |
| Net operating income to assets | 1.5341% | 843 |
| Return on assets (ROA) | 1.5341% | 888 |
| Pretax return on assets | 1.6271% | 1,275 |
| Return on Equity (ROE) | 11.3980% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.4375% | 1,240 |
| Net charge-offs to loans | 0.0912% | 3,657 |
| Credit loss provision to net charge-offs | 562.5000% | 497 |
| Earnings coverage of net charge-offs (x) | 36.2515% | 1,080 |
| Efficiency ratio | 59.9337% | 5,444 |
| Assets per employee ($millions) | 3.0758% | 5,725 |
| Cash dividends to net income (ytd only)* | 25.9741% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1926% | 207 |
| Loan loss allowance to noncurrent loans | 506.1983% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 4,821 |
| Noncurrent loans to loans | 0.8283% | 4,175 |
| Net loans and leases to total assets | 55.1586% | 4,434 |
| Net loans and leases to deposits | 64.5305% | 4,461 |
| Net loans and leases to core deposits | 73.2715% | 3,938 |
| Total domestic deposits to total assets | 85.4768% | 3,504 |
| Equity capital to assets | 13.5468% | 1,102 |
| Core capital (leverage) ratio | 14.1156% | 841 |
| Tier 1 risk-based capital ratio | 21.7014% | 1,364 |
| Total risk-based capital ratio | 22.9831% | 1,339 |
| Memoranda: | ||
| Average total assets | $100,381,750 | 4,774 |
| Average earning assets | $90,452,500 | 4,794 |
| Average equity | $13,510,750 | 4,209 |
| Average total loans | $58,507,250 | 4,701 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 546 |
| Cost of funding earning assets | 0.7506% | 1,704 |
| Net interest margin | 4.5278% | 679 |
| Noninterest income to average assets | 0.6979% | 2,652 |
| Noninterest expense to average assets | 2.8397% | 3,550 |
| Loan and lease loss provision to assets | 0.3100% | 1,145 |
| Net operating income to assets | 1.5519% | 814 |
| Return on assets (ROA) | 1.5519% | 886 |
| Pretax return on assets | 1.6379% | 1,259 |
| Return on Equity (ROE) | 11.5554% | 1,617 |
| Retained earnings to average equity (ytd only) | 9.3217% | 1,019 |
| Net charge-offs to loans | 0.0342% | 4,210 |
| Credit loss provision to net charge-offs | 1,550.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 97.4000% | 476 |
| Efficiency ratio | 59.3150% | 5,565 |
| Assets per employee ($millions) | 3.0116% | 5,833 |
| Cash dividends to net income (ytd only)* | 19.3299% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1082% | 232 |
| Loan loss allowance to noncurrent loans | 694.5245% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 5,239 |
| Noncurrent loans to loans | 0.5915% | 4,779 |
| Net loans and leases to total assets | 56.6017% | 4,193 |
| Net loans and leases to deposits | 66.2423% | 4,239 |
| Net loans and leases to core deposits | 73.9957% | 3,812 |
| Total domestic deposits to total assets | 85.4463% | 3,670 |
| Equity capital to assets | 13.6823% | 1,058 |
| Core capital (leverage) ratio | 13.9353% | 840 |
| Tier 1 risk-based capital ratio | 21.3409% | 1,412 |
| Total risk-based capital ratio | 22.6221% | 1,381 |
| Memoranda: | ||
| Average total assets | $100,009,000 | 4,813 |
| Average earning assets | $90,331,330 | 4,836 |
| Average equity | $13,431,000 | 4,256 |
| Average total loans | $58,531,000 | 4,723 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 666 |
| Cost of funding earning assets | 0.7612% | 1,774 |
| Net interest margin | 4.3988% | 808 |
| Noninterest income to average assets | 0.7097% | 2,540 |
| Noninterest expense to average assets | 2.6555% | 4,229 |
| Loan and lease loss provision to assets | 0.3190% | 1,060 |
| Net operating income to assets | 1.6188% | 677 |
| Return on assets (ROA) | 1.6188% | 738 |
| Pretax return on assets | 1.6985% | 1,077 |
| Return on Equity (ROE) | 12.1671% | 1,377 |
| Retained earnings to average equity (ytd only) | 12.1671% | 680 |
| Net charge-offs to loans | -0.0205% | 5,725 |
| Credit loss provision to net charge-offs | -2,666.6667% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8259% | 5,986 |
| Assets per employee ($millions) | 3.0297% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0046% | 288 |
| Loan loss allowance to noncurrent loans | 621.1640% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 5,269 |
| Noncurrent loans to loans | 0.6447% | 4,834 |
| Net loans and leases to total assets | 56.2958% | 4,045 |
| Net loans and leases to deposits | 65.7101% | 4,094 |
| Net loans and leases to core deposits | 72.9115% | 3,707 |
| Total domestic deposits to total assets | 85.6730% | 3,696 |
| Equity capital to assets | 13.5468% | 1,194 |
| Core capital (leverage) ratio | 13.7739% | 859 |
| Tier 1 risk-based capital ratio | 21.1185% | 1,511 |
| Total risk-based capital ratio | 22.3975% | 1,478 |
| Memoranda: | ||
| Average total assets | $100,321,500 | 4,861 |
| Average earning assets | $90,389,000 | 4,880 |
| Average equity | $13,347,500 | 4,319 |
| Average total loans | $58,465,000 | 4,761 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7896% | 373 |
| Cost of funding earning assets | 0.9350% | 1,737 |
| Net interest margin | 4.8546% | 495 |
| Noninterest income to average assets | 0.7120% | 2,660 |
| Noninterest expense to average assets | 2.9352% | 3,519 |
| Loan and lease loss provision to assets | 0.3472% | 1,926 |
| Net operating income to assets | 1.6490% | 688 |
| Return on assets (ROA) | 1.6490% | 764 |
| Pretax return on assets | 1.7402% | 1,045 |
| Return on Equity (ROE) | 12.2888% | 1,419 |
| Retained earnings to average equity (ytd only) | 5.2754% | 2,522 |
| Net charge-offs to loans | 0.3166% | 3,057 |
| Credit loss provision to net charge-offs | 183.0601% | 1,438 |
| Earnings coverage of net charge-offs (x) | 11.0055% | 2,081 |
| Efficiency ratio | 58.4400% | 5,771 |
| Assets per employee ($millions) | 3.3555% | 5,316 |
| Cash dividends to net income (ytd only)* | 57.0710% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8852% | 313 |
| Loan loss allowance to noncurrent loans | 668.1416% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 5,474 |
| Noncurrent loans to loans | 0.5815% | 5,076 |
| Net loans and leases to total assets | 55.6634% | 4,352 |
| Net loans and leases to deposits | 64.6928% | 4,460 |
| Net loans and leases to core deposits | 71.7323% | 4,077 |
| Total domestic deposits to total assets | 86.0427% | 3,339 |
| Equity capital to assets | 13.0643% | 1,412 |
| Core capital (leverage) ratio | 13.4369% | 971 |
| Tier 1 risk-based capital ratio | 20.7558% | 1,514 |
| Total risk-based capital ratio | 22.0343% | 1,477 |
| Memoranda: | ||
| Average total assets | $96,485,200 | 4,927 |
| Average earning assets | $85,670,800 | 4,972 |
| Average equity | $12,946,800 | 4,368 |
| Average total loans | $57,793,800 | 4,805 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8688% | 353 |
| Cost of funding earning assets | 0.9660% | 1,756 |
| Net interest margin | 4.9028% | 467 |
| Noninterest income to average assets | 0.7111% | 2,651 |
| Noninterest expense to average assets | 2.8513% | 3,790 |
| Loan and lease loss provision to assets | 0.3772% | 1,709 |
| Net operating income to assets | 1.7211% | 661 |
| Return on assets (ROA) | 1.7211% | 725 |
| Pretax return on assets | 1.8217% | 993 |
| Return on Equity (ROE) | 12.7378% | 1,402 |
| Retained earnings to average equity (ytd only) | 8.9019% | 1,268 |
| Net charge-offs to loans | 0.2127% | 3,456 |
| Credit loss provision to net charge-offs | 293.4783% | 923 |
| Earnings coverage of net charge-offs (x) | 17.1092% | 1,641 |
| Efficiency ratio | 56.4592% | 5,998 |
| Assets per employee ($millions) | 3.2448% | 5,544 |
| Cash dividends to net income (ytd only)* | 30.1133% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8678% | 345 |
| Loan loss allowance to noncurrent loans | 488.4861% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 5,324 |
| Noncurrent loans to loans | 0.7918% | 4,821 |
| Net loans and leases to total assets | 58.4950% | 4,047 |
| Net loans and leases to deposits | 68.4802% | 4,102 |
| Net loans and leases to core deposits | 76.5216% | 3,668 |
| Total domestic deposits to total assets | 85.4189% | 3,557 |
| Equity capital to assets | 13.7059% | 1,268 |
| Core capital (leverage) ratio | 13.9030% | 866 |
| Tier 1 risk-based capital ratio | 21.2861% | 1,455 |
| Total risk-based capital ratio | 22.5656% | 1,421 |
| Memoranda: | ||
| Average total assets | $95,440,500 | 5,005 |
| Average earning assets | $84,466,500 | 5,058 |
| Average equity | $12,895,750 | 4,417 |
| Average total loans | $57,667,750 | 4,856 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8759% | 359 |
| Cost of funding earning assets | 0.9857% | 1,851 |
| Net interest margin | 4.8902% | 482 |
| Noninterest income to average assets | 0.7299% | 2,517 |
| Noninterest expense to average assets | 2.9133% | 3,565 |
| Loan and lease loss provision to assets | 0.3797% | 1,725 |
| Net operating income to assets | 1.6666% | 724 |
| Return on assets (ROA) | 1.6666% | 811 |
| Pretax return on assets | 1.7594% | 1,114 |
| Return on Equity (ROE) | 12.3951% | 1,542 |
| Retained earnings to average equity (ytd only) | 8.0333% | 1,626 |
| Net charge-offs to loans | 0.3640% | 2,557 |
| Credit loss provision to net charge-offs | 173.0769% | 1,622 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,132 |
| Efficiency ratio | 57.6618% | 5,910 |
| Assets per employee ($millions) | 3.2088% | 5,632 |
| Cash dividends to net income (ytd only)* | 35.1899% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7737% | 400 |
| Loan loss allowance to noncurrent loans | 474.8373% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 5,413 |
| Noncurrent loans to loans | 0.7947% | 4,922 |
| Net loans and leases to total assets | 57.9839% | 4,162 |
| Net loans and leases to deposits | 67.6996% | 4,250 |
| Net loans and leases to core deposits | 75.0652% | 3,875 |
| Total domestic deposits to total assets | 85.6487% | 3,533 |
| Equity capital to assets | 13.5317% | 1,289 |
| Core capital (leverage) ratio | 13.9407% | 821 |
| Tier 1 risk-based capital ratio | 21.3670% | 1,412 |
| Total risk-based capital ratio | 22.6463% | 1,383 |
| Memoranda: | ||
| Average total assets | $94,805,670 | 5,042 |
| Average earning assets | $83,800,330 | 5,109 |
| Average equity | $12,747,000 | 4,448 |
| Average total loans | $57,146,000 | 4,909 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8642% | 376 |
| Cost of funding earning assets | 1.0155% | 1,886 |
| Net interest margin | 4.8487% | 510 |
| Noninterest income to average assets | 0.7483% | 2,409 |
| Noninterest expense to average assets | 2.7637% | 4,184 |
| Loan and lease loss provision to assets | 0.3827% | 1,644 |
| Net operating income to assets | 1.8325% | 564 |
| Return on assets (ROA) | 1.8325% | 637 |
| Pretax return on assets | 1.9261% | 833 |
| Return on Equity (ROE) | 13.6744% | 1,260 |
| Retained earnings to average equity (ytd only) | 7.7097% | 2,087 |
| Net charge-offs to loans | 0.0141% | 4,500 |
| Credit loss provision to net charge-offs | 4,500.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 271.5000% | 125 |
| Efficiency ratio | 54.4845% | 6,299 |
| Assets per employee ($millions) | 2.9339% | 6,283 |
| Cash dividends to net income (ytd only)* | 43.6195% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9194% | 395 |
| Loan loss allowance to noncurrent loans | 286.5885% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8798% | 4,768 |
| Noncurrent loans to loans | 1.3676% | 4,067 |
| Net loans and leases to total assets | 57.4697% | 4,134 |
| Net loans and leases to deposits | 67.0886% | 4,216 |
| Net loans and leases to core deposits | 75.2325% | 3,719 |
| Total domestic deposits to total assets | 85.6624% | 3,708 |
| Equity capital to assets | 13.5217% | 1,229 |
| Core capital (leverage) ratio | 13.5722% | 923 |
| Tier 1 risk-based capital ratio | 21.4560% | 1,390 |
| Total risk-based capital ratio | 22.7357% | 1,355 |
| Memoranda: | ||
| Average total assets | $94,077,000 | 5,100 |
| Average earning assets | $83,899,000 | 5,143 |
| Average equity | $12,607,500 | 4,482 |
| Average total loans | $56,716,000 | 4,954 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1939% | 306 |
| Cost of funding earning assets | 1.2530% | 1,718 |
| Net interest margin | 4.9409% | 468 |
| Noninterest income to average assets | 0.8180% | 1,974 |
| Noninterest expense to average assets | 3.0607% | 3,351 |
| Loan and lease loss provision to assets | 0.6388% | 1,598 |
| Net operating income to assets | 1.4407% | 942 |
| Return on assets (ROA) | 1.4407% | 1,025 |
| Pretax return on assets | 1.5169% | 1,422 |
| Return on Equity (ROE) | 11.2234% | 1,641 |
| Retained earnings to average equity (ytd only) | 8.2795% | 992 |
| Net charge-offs to loans | 0.1799% | 4,707 |
| Credit loss provision to net charge-offs | 566.6667% | 402 |
| Earnings coverage of net charge-offs (x) | 19.1238% | 1,179 |
| Efficiency ratio | 58.6746% | 5,950 |
| Assets per employee ($millions) | 3.0409% | 6,005 |
| Cash dividends to net income (ytd only)* | 26.2295% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6892% | 470 |
| Loan loss allowance to noncurrent loans | 351.5807% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 5,170 |
| Noncurrent loans to loans | 1.0493% | 4,611 |
| Net loans and leases to total assets | 58.5161% | 4,281 |
| Net loans and leases to deposits | 68.1795% | 4,414 |
| Net loans and leases to core deposits | 75.3096% | 4,065 |
| Total domestic deposits to total assets | 85.8266% | 3,416 |
| Equity capital to assets | 13.2813% | 1,369 |
| Core capital (leverage) ratio | 13.4587% | 982 |
| Tier 1 risk-based capital ratio | 20.5462% | 1,512 |
| Total risk-based capital ratio | 21.8235% | 1,473 |
| Memoranda: | ||
| Average total assets | $93,149,400 | 5,094 |
| Average earning assets | $82,920,000 | 5,145 |
| Average equity | $11,957,200 | 4,564 |
| Average total loans | $58,359,800 | 4,929 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2306% | 308 |
| Cost of funding earning assets | 1.3030% | 1,681 |
| Net interest margin | 4.9275% | 480 |
| Noninterest income to average assets | 0.8198% | 1,960 |
| Noninterest expense to average assets | 3.0379% | 3,413 |
| Loan and lease loss provision to assets | 0.6676% | 1,449 |
| Net operating income to assets | 1.4170% | 1,124 |
| Return on assets (ROA) | 1.4170% | 1,193 |
| Pretax return on assets | 1.4902% | 1,678 |
| Return on Equity (ROE) | 11.1367% | 1,819 |
| Retained earnings to average equity (ytd only) | 8.0902% | 1,479 |
| Net charge-offs to loans | 0.6163% | 2,400 |
| Credit loss provision to net charge-offs | 171.5867% | 1,754 |
| Earnings coverage of net charge-offs (x) | 5.5462% | 2,754 |
| Efficiency ratio | 58.4692% | 5,943 |
| Assets per employee ($millions) | 2.9803% | 6,168 |
| Cash dividends to net income (ytd only)* | 27.3555% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2015% | 722 |
| Loan loss allowance to noncurrent loans | 340.2622% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 5,518 |
| Noncurrent loans to loans | 0.9409% | 5,000 |
| Net loans and leases to total assets | 59.4631% | 4,239 |
| Net loans and leases to deposits | 69.2962% | 4,417 |
| Net loans and leases to core deposits | 76.6712% | 4,101 |
| Total domestic deposits to total assets | 85.8102% | 3,321 |
| Equity capital to assets | 13.2991% | 1,464 |
| Core capital (leverage) ratio | 13.3115% | 1,104 |
| Tier 1 risk-based capital ratio | 20.4376% | 1,576 |
| Total risk-based capital ratio | 21.7098% | 1,546 |
| Memoranda: | ||
| Average total assets | $92,869,750 | 5,141 |
| Average earning assets | $82,473,250 | 5,203 |
| Average equity | $11,816,500 | 4,617 |
| Average total loans | $58,631,000 | 4,965 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1781% | 340 |
| Cost of funding earning assets | 1.3332% | 1,740 |
| Net interest margin | 4.8449% | 560 |
| Noninterest income to average assets | 0.8320% | 1,884 |
| Noninterest expense to average assets | 3.0958% | 3,272 |
| Loan and lease loss provision to assets | 0.6235% | 1,538 |
| Net operating income to assets | 1.3566% | 1,181 |
| Return on assets (ROA) | 1.3566% | 1,250 |
| Pretax return on assets | 1.4254% | 1,742 |
| Return on Equity (ROE) | 10.8236% | 1,856 |
| Retained earnings to average equity (ytd only) | 7.5988% | 1,617 |
| Net charge-offs to loans | 0.0911% | 4,756 |
| Credit loss provision to net charge-offs | 1,074.0741% | 313 |
| Earnings coverage of net charge-offs (x) | 35.2963% | 818 |
| Efficiency ratio | 60.1755% | 5,845 |
| Assets per employee ($millions) | 2.7114% | 6,624 |
| Cash dividends to net income (ytd only)* | 29.7940% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2126% | 753 |
| Loan loss allowance to noncurrent loans | 255.9023% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 5,261 |
| Noncurrent loans to loans | 1.2554% | 4,560 |
| Net loans and leases to total assets | 61.6367% | 3,963 |
| Net loans and leases to deposits | 71.4837% | 4,206 |
| Net loans and leases to core deposits | 79.3157% | 3,882 |
| Total domestic deposits to total assets | 86.2247% | 3,201 |
| Equity capital to assets | 12.8966% | 1,572 |
| Core capital (leverage) ratio | 12.9494% | 1,185 |
| Tier 1 risk-based capital ratio | 19.4521% | 1,724 |
| Total risk-based capital ratio | 20.7249% | 1,692 |
| Memoranda: | ||
| Average total assets | $93,029,670 | 5,167 |
| Average earning assets | $82,808,330 | 5,239 |
| Average equity | $11,659,670 | 4,652 |
| Average total loans | $59,256,330 | 4,991 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1186% | 386 |
| Cost of funding earning assets | 1.3709% | 1,762 |
| Net interest margin | 4.7477% | 641 |
| Noninterest income to average assets | 0.9203% | 1,586 |
| Noninterest expense to average assets | 2.9235% | 3,973 |
| Loan and lease loss provision to assets | 0.5992% | 1,436 |
| Net operating income to assets | 1.5538% | 769 |
| Return on assets (ROA) | 1.5538% | 804 |
| Pretax return on assets | 1.6222% | 1,139 |
| Return on Equity (ROE) | 12.5769% | 1,306 |
| Retained earnings to average equity (ytd only) | 8.9389% | 1,401 |
| Net charge-offs to loans | 0.0336% | 4,630 |
| Credit loss provision to net charge-offs | 2,800.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 103.8000% | 309 |
| Efficiency ratio | 56.8220% | 6,405 |
| Assets per employee ($millions) | 2.7581% | 6,607 |
| Cash dividends to net income (ytd only)* | 28.9256% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9857% | 929 |
| Loan loss allowance to noncurrent loans | 226.2548% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 5,228 |
| Noncurrent loans to loans | 1.3196% | 4,494 |
| Net loans and leases to total assets | 60.9126% | 4,094 |
| Net loans and leases to deposits | 70.2046% | 4,315 |
| Net loans and leases to core deposits | 75.2903% | 4,380 |
| Total domestic deposits to total assets | 86.7643% | 3,082 |
| Equity capital to assets | 12.4380% | 1,657 |
| Core capital (leverage) ratio | 12.7231% | 1,227 |
| Tier 1 risk-based capital ratio | 19.2904% | 1,738 |
| Total risk-based capital ratio | 20.5611% | 1,699 |
| Memoranda: | ||
| Average total assets | $93,451,000 | 5,191 |
| Average earning assets | $83,156,000 | 5,267 |
| Average equity | $11,545,000 | 4,653 |
| Average total loans | $59,531,000 | 5,023 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6479% | 250 |
| Cost of funding earning assets | 1.6190% | 1,958 |
| Net interest margin | 5.0289% | 404 |
| Noninterest income to average assets | 0.8940% | 1,865 |
| Noninterest expense to average assets | 3.1989% | 3,097 |
| Loan and lease loss provision to assets | 0.8339% | 1,972 |
| Net operating income to assets | 1.2431% | 1,310 |
| Return on assets (ROA) | 1.2431% | 1,381 |
| Pretax return on assets | 1.3131% | 1,901 |
| Return on Equity (ROE) | 9.9870% | 1,929 |
| Retained earnings to average equity (ytd only) | 5.2972% | 2,249 |
| Net charge-offs to loans | 0.6486% | 3,070 |
| Credit loss provision to net charge-offs | 193.7984% | 1,639 |
| Earnings coverage of net charge-offs (x) | 4.9897% | 2,745 |
| Efficiency ratio | 59.8378% | 6,073 |
| Assets per employee ($millions) | 3.0040% | 6,092 |
| Cash dividends to net income (ytd only)* | 46.9589% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6968% | 1,175 |
| Loan loss allowance to noncurrent loans | 229.2373% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 5,474 |
| Noncurrent loans to loans | 1.1764% | 4,754 |
| Net loans and leases to total assets | 62.8821% | 4,096 |
| Net loans and leases to deposits | 72.4014% | 4,446 |
| Net loans and leases to core deposits | 77.4027% | 4,533 |
| Total domestic deposits to total assets | 86.8521% | 2,908 |
| Equity capital to assets | 12.2695% | 1,759 |
| Core capital (leverage) ratio | 12.5527% | 1,294 |
| Tier 1 risk-based capital ratio | 18.5663% | 1,823 |
| Total risk-based capital ratio | 19.8329% | 1,786 |
| Memoranda: | ||
| Average total assets | $89,937,400 | 5,290 |
| Average earning assets | $79,619,200 | 5,362 |
| Average equity | $11,194,600 | 4,817 |
| Average total loans | $59,665,600 | 5,084 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7661% | 210 |
| Cost of funding earning assets | 1.6382% | 2,168 |
| Net interest margin | 5.1279% | 333 |
| Noninterest income to average assets | 0.9318% | 1,680 |
| Noninterest expense to average assets | 3.1919% | 2,953 |
| Loan and lease loss provision to assets | 0.8974% | 1,694 |
| Net operating income to assets | 1.3117% | 1,314 |
| Return on assets (ROA) | 1.3117% | 1,385 |
| Pretax return on assets | 1.3701% | 1,970 |
| Return on Equity (ROE) | 10.4995% | 1,936 |
| Retained earnings to average equity (ytd only) | 5.1121% | 2,908 |
| Net charge-offs to loans | 0.5509% | 3,104 |
| Credit loss provision to net charge-offs | 243.9024% | 1,378 |
| Earnings coverage of net charge-offs (x) | 6.1626% | 2,585 |
| Efficiency ratio | 58.4658% | 6,195 |
| Assets per employee ($millions) | 3.0375% | 6,066 |
| Cash dividends to net income (ytd only)* | 51.3119% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6834% | 1,099 |
| Loan loss allowance to noncurrent loans | 187.2390% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 4,554 |
| Noncurrent loans to loans | 1.4332% | 4,466 |
| Net loans and leases to total assets | 64.2337% | 4,075 |
| Net loans and leases to deposits | 74.2475% | 4,464 |
| Net loans and leases to core deposits | 79.1596% | 4,637 |
| Total domestic deposits to total assets | 86.5130% | 2,798 |
| Equity capital to assets | 12.5937% | 1,815 |
| Core capital (leverage) ratio | 12.6340% | 1,359 |
| Tier 1 risk-based capital ratio | 18.4601% | 1,877 |
| Total risk-based capital ratio | 19.7265% | 1,841 |
| Memoranda: | ||
| Average total assets | $89,140,500 | 5,383 |
| Average earning assets | $78,704,500 | 5,455 |
| Average equity | $11,136,750 | 4,892 |
| Average total loans | $59,536,500 | 5,167 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7875% | 209 |
| Cost of funding earning assets | 1.6457% | 2,412 |
| Net interest margin | 5.1418% | 317 |
| Noninterest income to average assets | 0.9223% | 1,611 |
| Noninterest expense to average assets | 3.2098% | 2,869 |
| Loan and lease loss provision to assets | 0.9607% | 1,524 |
| Net operating income to assets | 1.2410% | 1,449 |
| Return on assets (ROA) | 1.2410% | 1,511 |
| Pretax return on assets | 1.2930% | 2,110 |
| Return on Equity (ROE) | 9.9604% | 2,121 |
| Retained earnings to average equity (ytd only) | 3.1568% | 4,104 |
| Net charge-offs to loans | 0.5629% | 2,847 |
| Credit loss provision to net charge-offs | 254.4910% | 1,501 |
| Earnings coverage of net charge-offs (x) | 5.9701% | 2,557 |
| Efficiency ratio | 58.7505% | 6,265 |
| Assets per employee ($millions) | 2.9464% | 6,257 |
| Cash dividends to net income (ytd only)* | 68.3060% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 1,301 |
| Loan loss allowance to noncurrent loans | 129.3015% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5963% | 4,052 |
| Noncurrent loans to loans | 1.9334% | 3,823 |
| Net loans and leases to total assets | 66.9770% | 3,624 |
| Net loans and leases to deposits | 77.4868% | 4,083 |
| Net loans and leases to core deposits | 82.9081% | 4,295 |
| Total domestic deposits to total assets | 86.4367% | 2,853 |
| Equity capital to assets | 12.6944% | 1,688 |
| Core capital (leverage) ratio | 12.4669% | 1,422 |
| Tier 1 risk-based capital ratio | 17.6795% | 2,041 |
| Total risk-based capital ratio | 18.9440% | 2,009 |
| Memoranda: | ||
| Average total assets | $88,479,000 | 5,439 |
| Average earning assets | $78,144,000 | 5,501 |
| Average equity | $11,023,670 | 4,914 |
| Average total loans | $59,333,000 | 5,211 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6599% | 281 |
| Cost of funding earning assets | 1.6739% | 2,521 |
| Net interest margin | 4.9860% | 431 |
| Noninterest income to average assets | 0.9851% | 1,345 |
| Noninterest expense to average assets | 3.1405% | 3,103 |
| Loan and lease loss provision to assets | 0.5648% | 2,240 |
| Net operating income to assets | 1.6177% | 721 |
| Return on assets (ROA) | 1.6177% | 768 |
| Pretax return on assets | 1.6945% | 1,069 |
| Return on Equity (ROE) | 13.1076% | 1,234 |
| Retained earnings to average equity (ytd only) | 2.1236% | 4,863 |
| Net charge-offs to loans | -0.1091% | 7,536 |
| Credit loss provision to net charge-offs | -781.2500% | 6,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1590% | 6,467 |
| Assets per employee ($millions) | 2.9816% | 6,256 |
| Cash dividends to net income (ytd only)* | 83.7989% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3848% | 1,436 |
| Loan loss allowance to noncurrent loans | 84.7550% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 2.1398% | 3,336 |
| Noncurrent loans to loans | 2.8138% | 2,850 |
| Net loans and leases to total assets | 64.1099% | 4,302 |
| Net loans and leases to deposits | 73.8002% | 4,775 |
| Net loans and leases to core deposits | 78.3156% | 4,987 |
| Total domestic deposits to total assets | 86.8695% | 2,695 |
| Equity capital to assets | 12.3155% | 1,863 |
| Core capital (leverage) ratio | 12.4032% | 1,449 |
| Tier 1 risk-based capital ratio | 16.9794% | 2,275 |
| Total risk-based capital ratio | 18.2408% | 2,224 |
| Memoranda: | ||
| Average total assets | $88,522,000 | 5,496 |
| Average earning assets | $78,379,500 | 5,565 |
| Average equity | $10,925,000 | 5,000 |
| Average total loans | $58,639,000 | 5,309 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0704% | 252 |
| Cost of funding earning assets | 2.1864% | 2,095 |
| Net interest margin | 4.8840% | 582 |
| Noninterest income to average assets | 0.9385% | 1,792 |
| Noninterest expense to average assets | 3.4652% | 2,470 |
| Loan and lease loss provision to assets | 0.5542% | 3,598 |
| Net operating income to assets | 0.7121% | 2,884 |
| Return on assets (ROA) | 0.7121% | 2,948 |
| Pretax return on assets | 1.2227% | 1,898 |
| Return on Equity (ROE) | 5.6973% | 3,337 |
| Retained earnings to average equity (ytd only) | 3.1127% | 2,983 |
| Net charge-offs to loans | 0.6863% | 3,129 |
| Credit loss provision to net charge-offs | 118.6869% | 4,537 |
| Earnings coverage of net charge-offs (x) | 3.8056% | 3,188 |
| Efficiency ratio | 66.1044% | 5,377 |
| Assets per employee ($millions) | 2.5764% | 7,077 |
| Cash dividends to net income (ytd only)* | 45.3642% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1527% | 1,727 |
| Loan loss allowance to noncurrent loans | 67.4518% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.4293% | 2,865 |
| Noncurrent loans to loans | 3.1914% | 2,394 |
| Net loans and leases to total assets | 65.3820% | 4,302 |
| Net loans and leases to deposits | 75.4015% | 4,829 |
| Net loans and leases to core deposits | 108.3220% | 3,068 |
| Total domestic deposits to total assets | 86.7117% | 2,649 |
| Equity capital to assets | 12.3681% | 1,813 |
| Core capital (leverage) ratio | 12.6652% | 1,367 |
| Tier 1 risk-based capital ratio | 16.7088% | 2,233 |
| Total risk-based capital ratio | 17.9675% | 2,197 |
| Memoranda: | ||
| Average total assets | $84,813,600 | 5,570 |
| Average earning assets | $74,733,800 | 5,645 |
| Average equity | $10,601,600 | 5,130 |
| Average total loans | $57,703,800 | 5,351 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1671% | 240 |
| Cost of funding earning assets | 2.2767% | 2,081 |
| Net interest margin | 4.8903% | 564 |
| Noninterest income to average assets | 0.9637% | 1,728 |
| Noninterest expense to average assets | 3.3793% | 2,637 |
| Loan and lease loss provision to assets | 0.6261% | 2,887 |
| Net operating income to assets | 0.5880% | 3,645 |
| Return on assets (ROA) | 0.5880% | 3,710 |
| Pretax return on assets | 1.2617% | 2,077 |
| Return on Equity (ROE) | 4.6915% | 4,083 |
| Retained earnings to average equity (ytd only) | 1.2266% | 4,638 |
| Net charge-offs to loans | 0.6191% | 2,822 |
| Credit loss provision to net charge-offs | 147.9401% | 3,269 |
| Earnings coverage of net charge-offs (x) | 4.4607% | 3,132 |
| Efficiency ratio | 64.1589% | 5,721 |
| Assets per employee ($millions) | 2.5122% | 7,214 |
| Cash dividends to net income (ytd only)* | 73.8542% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2880% | 1,312 |
| Loan loss allowance to noncurrent loans | 79.9757% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 2.1893% | 3,109 |
| Noncurrent loans to loans | 2.8609% | 2,656 |
| Net loans and leases to total assets | 65.6961% | 4,490 |
| Net loans and leases to deposits | 75.9501% | 5,055 |
| Net loans and leases to core deposits | 108.5880% | 3,397 |
| Total domestic deposits to total assets | 86.4990% | 2,426 |
| Equity capital to assets | 12.5597% | 1,911 |
| Core capital (leverage) ratio | 12.7489% | 1,473 |
| Tier 1 risk-based capital ratio | 16.8292% | 2,324 |
| Total risk-based capital ratio | 18.0899% | 2,275 |
| Memoranda: | ||
| Average total assets | $84,118,000 | 5,619 |
| Average earning assets | $74,022,000 | 5,718 |
| Average equity | $10,543,500 | 5,182 |
| Average total loans | $57,496,750 | 5,402 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3108% | 202 |
| Cost of funding earning assets | 2.3542% | 2,147 |
| Net interest margin | 4.9566% | 478 |
| Noninterest income to average assets | 0.9894% | 1,634 |
| Noninterest expense to average assets | 3.4964% | 2,345 |
| Loan and lease loss provision to assets | 0.7170% | 2,285 |
| Net operating income to assets | 0.1386% | 5,455 |
| Return on assets (ROA) | 0.1386% | 5,549 |
| Pretax return on assets | 1.1185% | 2,566 |
| Return on Equity (ROE) | 1.1067% | 5,606 |
| Retained earnings to average equity (ytd only) | -4.1214% | 6,161 |
| Net charge-offs to loans | 0.8484% | 1,994 |
| Credit loss provision to net charge-offs | 122.9508% | 3,782 |
| Earnings coverage of net charge-offs (x) | 3.1475% | 3,546 |
| Efficiency ratio | 65.5760% | 5,619 |
| Assets per employee ($millions) | 2.4600% | 7,325 |
| Cash dividends to net income (ytd only)* | 472.4138% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1957% | 1,254 |
| Loan loss allowance to noncurrent loans | 69.7753% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1281% | 3,022 |
| Noncurrent loans to loans | 3.1468% | 2,268 |
| Net loans and leases to total assets | 66.1446% | 4,539 |
| Net loans and leases to deposits | 76.2848% | 5,123 |
| Net loans and leases to core deposits | 108.2111% | 3,587 |
| Total domestic deposits to total assets | 86.7075% | 2,401 |
| Equity capital to assets | 12.3253% | 2,014 |
| Core capital (leverage) ratio | 12.4709% | 1,635 |
| Tier 1 risk-based capital ratio | 16.6696% | 2,403 |
| Total risk-based capital ratio | 17.9289% | 2,347 |
| Memoranda: | ||
| Average total assets | $83,685,330 | 5,674 |
| Average earning assets | $73,316,330 | 5,776 |
| Average equity | $10,482,000 | 5,220 |
| Average total loans | $57,519,330 | 5,445 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3742% | 199 |
| Cost of funding earning assets | 2.4307% | 2,174 |
| Net interest margin | 4.9435% | 464 |
| Noninterest income to average assets | 1.0847% | 1,270 |
| Noninterest expense to average assets | 3.2924% | 2,677 |
| Loan and lease loss provision to assets | 0.7168% | 1,789 |
| Net operating income to assets | 0.8458% | 2,926 |
| Return on assets (ROA) | 0.8458% | 3,075 |
| Pretax return on assets | 1.3906% | 1,995 |
| Return on Equity (ROE) | 6.6992% | 3,718 |
| Retained earnings to average equity (ytd only) | -3.6713% | 6,381 |
| Net charge-offs to loans | 0.6483% | 1,885 |
| Credit loss provision to net charge-offs | 159.5745% | 2,653 |
| Earnings coverage of net charge-offs (x) | 4.6915% | 2,833 |
| Efficiency ratio | 60.9735% | 6,257 |
| Assets per employee ($millions) | 2.4332% | 7,404 |
| Cash dividends to net income (ytd only)* | 154.8023% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1830% | 1,101 |
| Loan loss allowance to noncurrent loans | 59.9132% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.5602% | 2,240 |
| Noncurrent loans to loans | 3.6436% | 1,725 |
| Net loans and leases to total assets | 67.2702% | 4,297 |
| Net loans and leases to deposits | 77.8796% | 4,947 |
| Net loans and leases to core deposits | 109.0724% | 3,555 |
| Total domestic deposits to total assets | 86.3772% | 2,507 |
| Equity capital to assets | 12.7186% | 1,873 |
| Core capital (leverage) ratio | 12.6277% | 1,634 |
| Tier 1 risk-based capital ratio | 16.6436% | 2,465 |
| Total risk-based capital ratio | 17.9024% | 2,389 |
| Memoranda: | ||
| Average total assets | $83,707,500 | 5,679 |
| Average earning assets | $73,066,000 | 5,812 |
| Average equity | $10,568,500 | 5,218 |
| Average total loans | $57,996,000 | 5,452 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8386% | 232 |
| Cost of funding earning assets | 3.0476% | 1,694 |
| Net interest margin | 4.7910% | 791 |
| Noninterest income to average assets | 1.0549% | 1,410 |
| Noninterest expense to average assets | 3.3082% | 2,939 |
| Loan and lease loss provision to assets | 0.5914% | 2,456 |
| Net operating income to assets | 1.0416% | 2,395 |
| Return on assets (ROA) | 1.0416% | 2,282 |
| Pretax return on assets | 1.4073% | 1,953 |
| Return on Equity (ROE) | 8.4638% | 2,864 |
| Retained earnings to average equity (ytd only) | 5.7765% | 1,631 |
| Net charge-offs to loans | 0.9129% | 1,357 |
| Credit loss provision to net charge-offs | 96.0784% | 5,507 |
| Earnings coverage of net charge-offs (x) | 3.2471% | 4,465 |
| Efficiency ratio | 62.3380% | 5,890 |
| Assets per employee ($millions) | 2.4908% | 7,213 |
| Cash dividends to net income (ytd only)* | 31.7497% | 4,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 1,209 |
| Loan loss allowance to noncurrent loans | 54.4286% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.7136% | 1,738 |
| Noncurrent loans to loans | 3.6871% | 1,366 |
| Net loans and leases to total assets | 68.3844% | 4,394 |
| Net loans and leases to deposits | 80.3652% | 4,982 |
| Net loans and leases to core deposits | 111.1128% | 3,664 |
| Total domestic deposits to total assets | 85.0920% | 2,799 |
| Equity capital to assets | 12.5345% | 1,993 |
| Core capital (leverage) ratio | 12.5911% | 1,711 |
| Tier 1 risk-based capital ratio | 16.0687% | 2,639 |
| Total risk-based capital ratio | 17.3260% | 2,583 |
| Memoranda: | ||
| Average total assets | $82,853,800 | 5,598 |
| Average earning assets | $73,534,000 | 5,686 |
| Average equity | $10,196,400 | 5,349 |
| Average total loans | $55,863,400 | 5,456 |