Home > Twin River Bank > Performance and Condition Ratios
Twin River 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 | 6.2852% | 443 |
| Cost of funding earning assets | 0.5277% | 4,174 |
| Net interest margin | 5.7575% | 141 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.4372% | 2,481 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 2.9692% | 168 |
| Return on assets (ROA) | 2.9692% | 165 |
| Pretax return on assets | 3.0429% | 196 |
| Return on Equity (ROE) | 29.3000% | 195 |
| Retained earnings to average equity (ytd only) | 17.9800% | 193 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.7048% | 4,297 |
| Assets per employee ($millions) | 4.5777% | 3,905 |
| Cash dividends to net income (ytd only)* | 38.6303% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 2,870 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 75.3900% | 1,190 |
| Net loans and leases to deposits | 85.5581% | 1,643 |
| Net loans and leases to core deposits | 88.8099% | 2,128 |
| Total domestic deposits to total assets | 88.1100% | 1,309 |
| Equity capital to assets | 11.7323% | 1,218 |
| Core capital (leverage) ratio | 11.5152% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6466% | 1,147 |
| Memoranda: | ||
| Average total assets | $139,669,200 | 3,464 |
| Average earning assets | $134,920,400 | 3,391 |
| Average equity | $14,154,600 | 3,333 |
| Average total loans | $94,538,800 | 3,237 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0721% | 487 |
| Cost of funding earning assets | 0.4482% | 4,205 |
| Net interest margin | 5.6239% | 161 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.3526% | 2,646 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 2.9948% | 179 |
| Return on assets (ROA) | 2.9948% | 181 |
| Pretax return on assets | 3.0787% | 219 |
| Return on Equity (ROE) | 30.6900% | 210 |
| Retained earnings to average equity (ytd only) | 15.9325% | 466 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.1809% | 4,305 |
| Assets per employee ($millions) | 4.3078% | 4,039 |
| Cash dividends to net income (ytd only)* | 48.0793% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 3,629 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 70.9700% | 1,704 |
| Net loans and leases to deposits | 79.6238% | 2,085 |
| Net loans and leases to core deposits | 81.9563% | 2,469 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 10.6262% | 1,502 |
| Core capital (leverage) ratio | 10.7664% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6868% | 1,383 |
| Memoranda: | ||
| Average total assets | $141,398,250 | 3,454 |
| Average earning assets | $136,555,500 | 3,385 |
| Average equity | $13,799,500 | 3,351 |
| Average total loans | $92,877,000 | 3,260 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7274% | 612 |
| Cost of funding earning assets | 0.3633% | 4,222 |
| Net interest margin | 5.3640% | 198 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.3313% | 2,711 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 2.7409% | 190 |
| Return on assets (ROA) | 2.7409% | 187 |
| Pretax return on assets | 2.8236% | 241 |
| Return on Equity (ROE) | 28.9100% | 241 |
| Retained earnings to average equity (ytd only) | 13.1097% | 791 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.7945% | 4,260 |
| Assets per employee ($millions) | 4.4878% | 3,958 |
| Cash dividends to net income (ytd only)* | 54.6571% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 3,607 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.0100% | 2,057 |
| Net loans and leases to deposits | 74.5655% | 2,439 |
| Net loans and leases to core deposits | 75.8066% | 2,770 |
| Total domestic deposits to total assets | 89.8700% | 960 |
| Equity capital to assets | 9.9798% | 1,870 |
| Core capital (leverage) ratio | 10.1994% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4552% | 1,437 |
| Memoranda: | ||
| Average total assets | $142,581,667 | 3,454 |
| Average earning assets | $137,620,000 | 3,386 |
| Average equity | $13,516,667 | 3,393 |
| Average total loans | $90,917,333 | 3,287 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4276% | 691 |
| Cost of funding earning assets | 0.2793% | 4,235 |
| Net interest margin | 5.1483% | 236 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.2950% | 2,829 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 2.6748% | 209 |
| Return on assets (ROA) | 2.6748% | 205 |
| Pretax return on assets | 2.7579% | 263 |
| Return on Equity (ROE) | 28.9500% | 258 |
| Retained earnings to average equity (ytd only) | 20.0105% | 378 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.0490% | 4,265 |
| Assets per employee ($millions) | 4.7118% | 3,880 |
| Cash dividends to net income (ytd only)* | 30.8808% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 3,870 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.6900% | 2,386 |
| Net loans and leases to deposits | 69.4695% | 2,658 |
| Net loans and leases to core deposits | 70.1537% | 2,944 |
| Total domestic deposits to total assets | 90.2300% | 1,076 |
| Equity capital to assets | 9.6919% | 2,002 |
| Core capital (leverage) ratio | 9.7557% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9598% | 1,379 |
| Memoranda: | ||
| Average total assets | $144,312,000 | 3,480 |
| Average earning assets | $138,920,500 | 3,421 |
| Average equity | $13,333,000 | 3,441 |
| Average total loans | $89,313,000 | 3,343 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 1,211 |
| Cost of funding earning assets | 0.1588% | 4,067 |
| Net interest margin | 4.0607% | 715 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.1989% | 3,029 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.8733% | 373 |
| Return on assets (ROA) | 1.8733% | 358 |
| Pretax return on assets | 1.8733% | 623 |
| Return on Equity (ROE) | 23.2700% | 266 |
| Retained earnings to average equity (ytd only) | 14.1982% | 363 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.1255% | 3,865 |
| Assets per employee ($millions) | 4.7506% | 3,853 |
| Cash dividends to net income (ytd only)* | 38.9722% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 3,840 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.0500% | 2,625 |
| Net loans and leases to deposits | 65.9055% | 2,897 |
| Net loans and leases to core deposits | 66.5212% | 3,094 |
| Total domestic deposits to total assets | 91.1100% | 913 |
| Equity capital to assets | 8.8043% | 2,486 |
| Core capital (leverage) ratio | 8.7898% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4086% | 1,508 |
| Memoranda: | ||
| Average total assets | $149,575,400 | 3,446 |
| Average earning assets | $144,235,200 | 3,385 |
| Average equity | $12,043,800 | 3,665 |
| Average total loans | $81,913,400 | 3,389 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 1,558 |
| Cost of funding earning assets | 0.1501% | 3,843 |
| Net interest margin | 3.7178% | 1,097 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.1338% | 3,118 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.6569% | 586 |
| Return on assets (ROA) | 1.6569% | 570 |
| Pretax return on assets | 1.6569% | 987 |
| Return on Equity (ROE) | 21.0600% | 350 |
| Retained earnings to average equity (ytd only) | 10.4513% | 1,212 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.5735% | 3,670 |
| Assets per employee ($millions) | 4.6189% | 3,963 |
| Cash dividends to net income (ytd only)* | 50.3751% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 3,928 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.3300% | 3,156 |
| Net loans and leases to deposits | 57.9022% | 3,350 |
| Net loans and leases to core deposits | 58.4029% | 3,478 |
| Total domestic deposits to total assets | 92.1000% | 848 |
| Equity capital to assets | 7.7596% | 3,046 |
| Core capital (leverage) ratio | 8.1376% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9790% | 1,718 |
| Memoranda: | ||
| Average total assets | $150,152,000 | 3,463 |
| Average earning assets | $144,814,250 | 3,406 |
| Average equity | $11,813,250 | 3,732 |
| Average total loans | $80,087,500 | 3,423 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 1,614 |
| Cost of funding earning assets | 0.1432% | 3,665 |
| Net interest margin | 3.5287% | 1,237 |
| Noninterest income to average assets | 0.3165% | 3,273 |
| Noninterest expense to average assets | 2.1616% | 2,967 |
| Loan and lease loss provision to assets | 0.0703% | 1,358 |
| Net operating income to assets | 1.4852% | 741 |
| Return on assets (ROA) | 1.4852% | 721 |
| Pretax return on assets | 1.4852% | 1,213 |
| Return on Equity (ROE) | 18.7869% | 400 |
| Retained earnings to average equity (ytd only) | 8.1957% | 1,548 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1514% | 3,540 |
| Assets per employee ($millions) | 4.5289% | 4,054 |
| Cash dividends to net income (ytd only)* | 56.3752% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 3,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.8902% | 2,972 |
| Net loans and leases to deposits | 58.5970% | 3,170 |
| Net loans and leases to core deposits | 59.1166% | 3,340 |
| Total domestic deposits to total assets | 91.9674% | 847 |
| Equity capital to assets | 7.9128% | 3,191 |
| Core capital (leverage) ratio | 7.9166% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0523% | 1,689 |
| Memoranda: | ||
| Average total assets | $147,854,667 | 3,524 |
| Average earning assets | $142,487,667 | 3,470 |
| Average equity | $11,689,000 | 3,813 |
| Average total loans | $78,620,667 | 3,471 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 1,418 |
| Cost of funding earning assets | 0.1413% | 3,610 |
| Net interest margin | 3.4918% | 1,103 |
| Noninterest income to average assets | 0.4978% | 2,145 |
| Noninterest expense to average assets | 2.1516% | 2,978 |
| Loan and lease loss provision to assets | 0.0354% | 1,728 |
| Net operating income to assets | 1.6728% | 433 |
| Return on assets (ROA) | 1.6728% | 434 |
| Pretax return on assets | 1.6728% | 723 |
| Return on Equity (ROE) | 21.1695% | 191 |
| Retained earnings to average equity (ytd only) | 11.8067% | 638 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7435% | 3,901 |
| Assets per employee ($millions) | 4.6570% | 4,032 |
| Cash dividends to net income (ytd only)* | 44.2276% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.9408% | 3,182 |
| Net loans and leases to deposits | 54.1332% | 3,410 |
| Net loans and leases to core deposits | 54.7047% | 3,546 |
| Total domestic deposits to total assets | 92.2553% | 488 |
| Equity capital to assets | 7.6327% | 3,837 |
| Core capital (leverage) ratio | 8.0905% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7207% | 1,584 |
| Memoranda: | ||
| Average total assets | $147,055,000 | 3,541 |
| Average earning assets | $141,590,000 | 3,493 |
| Average equity | $11,620,500 | 3,895 |
| Average total loans | $77,292,000 | 3,503 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 1,483 |
| Cost of funding earning assets | 0.1589% | 3,883 |
| Net interest margin | 3.7934% | 1,023 |
| Noninterest income to average assets | 0.1366% | 4,465 |
| Noninterest expense to average assets | 2.3173% | 2,747 |
| Loan and lease loss provision to assets | 0.0758% | 1,602 |
| Net operating income to assets | 1.4180% | 1,221 |
| Return on assets (ROA) | 1.4180% | 1,289 |
| Pretax return on assets | 1.4180% | 1,990 |
| Return on Equity (ROE) | 17.0306% | 589 |
| Retained earnings to average equity (ytd only) | 7.7895% | 1,621 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8036% | 3,027 |
| Assets per employee ($millions) | 4.3884% | 4,199 |
| Cash dividends to net income (ytd only)* | 54.2615% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.4414% | 2,795 |
| Net loans and leases to deposits | 59.3594% | 3,134 |
| Net loans and leases to core deposits | 60.0490% | 3,308 |
| Total domestic deposits to total assets | 91.7147% | 266 |
| Equity capital to assets | 8.1970% | 4,234 |
| Core capital (leverage) ratio | 7.9974% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4579% | 1,694 |
| Memoranda: | ||
| Average total assets | $133,212,600 | 3,643 |
| Average earning assets | $129,039,000 | 3,588 |
| Average equity | $11,091,800 | 4,024 |
| Average total loans | $71,643,400 | 3,614 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 1,467 |
| Cost of funding earning assets | 0.1599% | 4,015 |
| Net interest margin | 3.8717% | 988 |
| Noninterest income to average assets | 0.1370% | 4,512 |
| Noninterest expense to average assets | 2.3235% | 2,681 |
| Loan and lease loss provision to assets | 0.0464% | 2,071 |
| Net operating income to assets | 1.5250% | 1,211 |
| Return on assets (ROA) | 1.5250% | 1,253 |
| Pretax return on assets | 1.5250% | 1,921 |
| Return on Equity (ROE) | 18.2393% | 600 |
| Retained earnings to average equity (ytd only) | 6.7593% | 2,513 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6510% | 3,036 |
| Assets per employee ($millions) | 4.3685% | 4,211 |
| Cash dividends to net income (ytd only)* | 62.9408% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.7056% | 3,551 |
| Net loans and leases to deposits | 52.9138% | 3,817 |
| Net loans and leases to core deposits | 53.5094% | 3,949 |
| Total domestic deposits to total assets | 92.0471% | 115 |
| Equity capital to assets | 7.7954% | 4,614 |
| Core capital (leverage) ratio | 8.0639% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7697% | 1,401 |
| Memoranda: | ||
| Average total assets | $131,408,250 | 3,697 |
| Average earning assets | $127,556,000 | 3,638 |
| Average equity | $10,987,000 | 4,089 |
| Average total loans | $70,270,000 | 3,693 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 1,109 |
| Cost of funding earning assets | 0.1637% | 4,099 |
| Net interest margin | 4.0774% | 726 |
| Noninterest income to average assets | 0.1416% | 4,494 |
| Noninterest expense to average assets | 2.3829% | 2,525 |
| Loan and lease loss provision to assets | 0.0220% | 2,533 |
| Net operating income to assets | 1.6924% | 888 |
| Return on assets (ROA) | 1.6924% | 932 |
| Pretax return on assets | 1.6924% | 1,498 |
| Return on Equity (ROE) | 19.7371% | 476 |
| Retained earnings to average equity (ytd only) | 6.4567% | 2,637 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1574% | 3,264 |
| Assets per employee ($millions) | 3.9556% | 4,476 |
| Cash dividends to net income (ytd only)* | 67.2862% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 4,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.5796% | 3,496 |
| Net loans and leases to deposits | 55.1864% | 3,774 |
| Net loans and leases to core deposits | 55.6064% | 3,919 |
| Total domestic deposits to total assets | 91.6522% | 205 |
| Equity capital to assets | 8.2065% | 4,430 |
| Core capital (leverage) ratio | 8.3547% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3625% | 1,256 |
| Memoranda: | ||
| Average total assets | $127,157,000 | 3,760 |
| Average earning assets | $123,363,333 | 3,697 |
| Average equity | $10,903,333 | 4,110 |
| Average total loans | $70,078,333 | 3,720 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 750 |
| Cost of funding earning assets | 0.1670% | 4,188 |
| Net interest margin | 4.3546% | 470 |
| Noninterest income to average assets | 0.1458% | 4,474 |
| Noninterest expense to average assets | 2.4196% | 2,437 |
| Loan and lease loss provision to assets | 0.0421% | 2,221 |
| Net operating income to assets | 1.9078% | 659 |
| Return on assets (ROA) | 1.9078% | 707 |
| Pretax return on assets | 1.9078% | 1,103 |
| Return on Equity (ROE) | 21.7413% | 417 |
| Retained earnings to average equity (ytd only) | 10.4093% | 1,544 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3744% | 3,622 |
| Assets per employee ($millions) | 3.9930% | 4,483 |
| Cash dividends to net income (ytd only)* | 52.1222% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.9800% | 3,242 |
| Net loans and leases to deposits | 59.1348% | 3,550 |
| Net loans and leases to core deposits | 59.7531% | 3,719 |
| Total domestic deposits to total assets | 91.2831% | 299 |
| Equity capital to assets | 8.5901% | 4,054 |
| Core capital (leverage) ratio | 8.8463% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2378% | 1,234 |
| Memoranda: | ||
| Average total assets | $123,490,000 | 3,823 |
| Average earning assets | $119,782,000 | 3,745 |
| Average equity | $10,836,500 | 4,127 |
| Average total loans | $70,806,000 | 3,719 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 717 |
| Cost of funding earning assets | 0.2587% | 4,343 |
| Net interest margin | 4.5538% | 293 |
| Noninterest income to average assets | 0.1693% | 4,442 |
| Noninterest expense to average assets | 2.6268% | 2,457 |
| Loan and lease loss provision to assets | -0.0351% | 4,924 |
| Net operating income to assets | 1.9942% | 267 |
| Return on assets (ROA) | 1.9942% | 285 |
| Pretax return on assets | 1.9942% | 460 |
| Return on Equity (ROE) | 22.5855% | 146 |
| Retained earnings to average equity (ytd only) | 13.0564% | 238 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2795% | 3,819 |
| Assets per employee ($millions) | 3.9735% | 4,398 |
| Cash dividends to net income (ytd only)* | 42.1909% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 4,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 59.9455% | 2,871 |
| Net loans and leases to deposits | 65.9188% | 3,279 |
| Net loans and leases to core deposits | 66.6592% | 3,489 |
| Total domestic deposits to total assets | 90.9383% | 241 |
| Equity capital to assets | 8.9736% | 4,080 |
| Core capital (leverage) ratio | 8.7950% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3470% | 1,185 |
| Memoranda: | ||
| Average total assets | $113,978,200 | 3,825 |
| Average earning assets | $110,544,800 | 3,760 |
| Average equity | $10,064,000 | 4,183 |
| Average total loans | $68,090,600 | 3,770 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 627 |
| Cost of funding earning assets | 0.2807% | 4,386 |
| Net interest margin | 4.6995% | 255 |
| Noninterest income to average assets | 0.1716% | 4,441 |
| Noninterest expense to average assets | 2.5383% | 2,727 |
| Loan and lease loss provision to assets | -0.0178% | 4,967 |
| Net operating income to assets | 2.2081% | 203 |
| Return on assets (ROA) | 2.2081% | 222 |
| Pretax return on assets | 2.2081% | 339 |
| Return on Equity (ROE) | 25.1161% | 115 |
| Retained earnings to average equity (ytd only) | 13.2310% | 312 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6787% | 4,185 |
| Assets per employee ($millions) | 3.7900% | 4,479 |
| Cash dividends to net income (ytd only)* | 47.3205% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 58.1674% | 3,399 |
| Net loans and leases to deposits | 63.7070% | 3,813 |
| Net loans and leases to core deposits | 64.4056% | 3,992 |
| Total domestic deposits to total assets | 91.3045% | 124 |
| Equity capital to assets | 8.5496% | 4,436 |
| Core capital (leverage) ratio | 8.7200% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3127% | 1,186 |
| Memoranda: | ||
| Average total assets | $112,671,500 | 3,839 |
| Average earning assets | $109,257,000 | 3,770 |
| Average equity | $9,905,750 | 4,211 |
| Average total loans | $67,102,750 | 3,808 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4593% | 359 |
| Cost of funding earning assets | 0.3156% | 4,416 |
| Net interest margin | 5.1437% | 152 |
| Noninterest income to average assets | 0.1548% | 4,525 |
| Noninterest expense to average assets | 2.6138% | 2,621 |
| Loan and lease loss provision to assets | -0.0310% | 5,012 |
| Net operating income to assets | 2.5592% | 129 |
| Return on assets (ROA) | 2.5592% | 138 |
| Pretax return on assets | 2.5592% | 193 |
| Return on Equity (ROE) | 28.8166% | 71 |
| Retained earnings to average equity (ytd only) | 16.3465% | 158 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8324% | 4,457 |
| Assets per employee ($millions) | 3.7870% | 4,478 |
| Cash dividends to net income (ytd only)* | 43.2740% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.8464% | 3,530 |
| Net loans and leases to deposits | 63.2426% | 3,941 |
| Net loans and leases to core deposits | 64.0990% | 4,071 |
| Total domestic deposits to total assets | 91.4675% | 89 |
| Equity capital to assets | 8.4038% | 4,532 |
| Core capital (leverage) ratio | 8.8197% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2914% | 1,178 |
| Memoranda: | ||
| Average total assets | $109,801,667 | 3,871 |
| Average earning assets | $106,461,333 | 3,800 |
| Average equity | $9,751,333 | 4,249 |
| Average total loans | $65,752,000 | 3,836 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2263% | 630 |
| Cost of funding earning assets | 0.3846% | 4,410 |
| Net interest margin | 4.8416% | 256 |
| Noninterest income to average assets | 0.1652% | 4,546 |
| Noninterest expense to average assets | 2.6549% | 2,822 |
| Loan and lease loss provision to assets | 0.0077% | 3,662 |
| Net operating income to assets | 2.1938% | 185 |
| Return on assets (ROA) | 2.1938% | 203 |
| Pretax return on assets | 2.1938% | 299 |
| Return on Equity (ROE) | 23.9539% | 83 |
| Retained earnings to average equity (ytd only) | 12.5013% | 370 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6677% | 4,336 |
| Assets per employee ($millions) | 3.4128% | 4,552 |
| Cash dividends to net income (ytd only)* | 47.8109% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 61.7278% | 3,331 |
| Net loans and leases to deposits | 68.2815% | 3,710 |
| Net loans and leases to core deposits | 69.6196% | 3,901 |
| Total domestic deposits to total assets | 90.4019% | 220 |
| Equity capital to assets | 9.4594% | 4,257 |
| Core capital (leverage) ratio | 9.2113% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2552% | 1,538 |
| Memoranda: | ||
| Average total assets | $104,111,000 | 3,931 |
| Average earning assets | $100,875,000 | 3,867 |
| Average equity | $9,535,000 | 4,288 |
| Average total loans | $63,275,000 | 3,903 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0582% | 1,320 |
| Cost of funding earning assets | 0.4398% | 4,310 |
| Net interest margin | 4.6184% | 549 |
| Noninterest income to average assets | 0.1749% | 4,612 |
| Noninterest expense to average assets | 2.6341% | 3,081 |
| Loan and lease loss provision to assets | 0.0743% | 2,510 |
| Net operating income to assets | 1.9394% | 400 |
| Return on assets (ROA) | 1.9394% | 416 |
| Pretax return on assets | 1.9394% | 681 |
| Return on Equity (ROE) | 22.6645% | 126 |
| Retained earnings to average equity (ytd only) | 11.9203% | 247 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6744% | 4,125 |
| Assets per employee ($millions) | 3.4141% | 4,557 |
| Cash dividends to net income (ytd only)* | 47.4055% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,554 |
| Loan loss allowance to noncurrent loans | 511.4754% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 4,058 |
| Noncurrent loans to loans | 0.1945% | 3,758 |
| Net loans and leases to total assets | 58.6751% | 3,703 |
| Net loans and leases to deposits | 64.4646% | 4,050 |
| Net loans and leases to core deposits | 65.6705% | 4,203 |
| Total domestic deposits to total assets | 91.0192% | 123 |
| Equity capital to assets | 8.8674% | 4,758 |
| Core capital (leverage) ratio | 8.7775% | 4,679 |
| Tier 1 risk-based capital ratio | 14.9838% | 2,786 |
| Total risk-based capital ratio | 16.0122% | 2,805 |
| Memoranda: | ||
| Average total assets | $102,351,400 | 3,966 |
| Average earning assets | $99,125,600 | 3,887 |
| Average equity | $8,758,200 | 4,412 |
| Average total loans | $59,425,800 | 3,996 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 1,382 |
| Cost of funding earning assets | 0.4454% | 4,347 |
| Net interest margin | 4.6174% | 596 |
| Noninterest income to average assets | 0.1721% | 4,682 |
| Noninterest expense to average assets | 2.6251% | 3,089 |
| Loan and lease loss provision to assets | 0.0749% | 2,391 |
| Net operating income to assets | 1.9392% | 449 |
| Return on assets (ROA) | 1.9392% | 465 |
| Pretax return on assets | 1.9392% | 789 |
| Return on Equity (ROE) | 22.8791% | 135 |
| Retained earnings to average equity (ytd only) | 9.4245% | 917 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5845% | 4,109 |
| Assets per employee ($millions) | 3.2190% | 4,737 |
| Cash dividends to net income (ytd only)* | 58.8074% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 3,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 60.9376% | 3,602 |
| Net loans and leases to deposits | 66.8769% | 4,004 |
| Net loans and leases to core deposits | 68.1542% | 4,164 |
| Total domestic deposits to total assets | 91.1191% | 88 |
| Equity capital to assets | 8.6839% | 4,932 |
| Core capital (leverage) ratio | 8.8963% | 4,715 |
| Tier 1 risk-based capital ratio | 14.2520% | 3,197 |
| Total risk-based capital ratio | 15.2508% | 3,247 |
| Memoranda: | ||
| Average total assets | $101,480,000 | 4,018 |
| Average earning assets | $98,176,000 | 3,938 |
| Average equity | $8,601,500 | 4,483 |
| Average total loans | $58,601,250 | 4,056 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 1,588 |
| Cost of funding earning assets | 0.4244% | 4,417 |
| Net interest margin | 4.5352% | 709 |
| Noninterest income to average assets | 0.1664% | 4,754 |
| Noninterest expense to average assets | 2.6087% | 3,182 |
| Loan and lease loss provision to assets | 0.0733% | 2,348 |
| Net operating income to assets | 1.8659% | 523 |
| Return on assets (ROA) | 1.8659% | 548 |
| Pretax return on assets | 1.8659% | 900 |
| Return on Equity (ROE) | 22.1987% | 159 |
| Retained earnings to average equity (ytd only) | 7.0461% | 1,783 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3606% | 4,085 |
| Assets per employee ($millions) | 3.1241% | 4,825 |
| Cash dividends to net income (ytd only)* | 68.2590% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,659 |
| Loan loss allowance to noncurrent loans | 183.3856% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 3,257 |
| Noncurrent loans to loans | 0.5423% | 2,646 |
| Net loans and leases to total assets | 58.2503% | 3,890 |
| Net loans and leases to deposits | 63.8657% | 4,231 |
| Net loans and leases to core deposits | 65.0928% | 4,359 |
| Total domestic deposits to total assets | 91.2075% | 82 |
| Equity capital to assets | 8.6374% | 4,991 |
| Core capital (leverage) ratio | 8.4959% | 4,967 |
| Tier 1 risk-based capital ratio | 14.6977% | 2,966 |
| Total risk-based capital ratio | 15.7271% | 2,998 |
| Memoranda: | ||
| Average total assets | $100,971,000 | 4,051 |
| Average earning assets | $97,547,000 | 3,977 |
| Average equity | $8,487,000 | 4,521 |
| Average total loans | $57,010,670 | 4,102 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 2,461 |
| Cost of funding earning assets | 0.4002% | 4,482 |
| Net interest margin | 4.2220% | 1,258 |
| Noninterest income to average assets | 0.1656% | 4,748 |
| Noninterest expense to average assets | 2.5229% | 3,435 |
| Loan and lease loss provision to assets | 0.0867% | 1,973 |
| Net operating income to assets | 1.6320% | 837 |
| Return on assets (ROA) | 1.6320% | 867 |
| Pretax return on assets | 1.6320% | 1,390 |
| Return on Equity (ROE) | 19.6838% | 283 |
| Retained earnings to average equity (ytd only) | 7.9401% | 1,688 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4796% | 3,882 |
| Assets per employee ($millions) | 3.4293% | 4,626 |
| Cash dividends to net income (ytd only)* | 59.6618% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,737 |
| Loan loss allowance to noncurrent loans | 175.9259% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 2,185 |
| Noncurrent loans to loans | 0.5659% | 2,628 |
| Net loans and leases to total assets | 55.0929% | 4,130 |
| Net loans and leases to deposits | 60.1279% | 4,399 |
| Net loans and leases to core deposits | 60.8477% | 4,539 |
| Total domestic deposits to total assets | 91.6261% | 86 |
| Equity capital to assets | 8.2621% | 5,099 |
| Core capital (leverage) ratio | 8.4935% | 5,017 |
| Tier 1 risk-based capital ratio | 14.6769% | 3,018 |
| Total risk-based capital ratio | 15.6863% | 3,056 |
| Memoranda: | ||
| Average total assets | $101,470,500 | 4,082 |
| Average earning assets | $97,962,000 | 4,004 |
| Average equity | $8,413,000 | 4,555 |
| Average total loans | $56,106,500 | 4,164 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,898 |
| Cost of funding earning assets | 0.2473% | 4,821 |
| Net interest margin | 3.7998% | 2,656 |
| Noninterest income to average assets | 0.1830% | 4,808 |
| Noninterest expense to average assets | 2.4598% | 3,731 |
| Loan and lease loss provision to assets | 0.0521% | 3,137 |
| Net operating income to assets | 1.3440% | 1,641 |
| Return on assets (ROA) | 1.3440% | 1,628 |
| Pretax return on assets | 1.3440% | 2,347 |
| Return on Equity (ROE) | 17.3381% | 456 |
| Retained earnings to average equity (ytd only) | 9.7225% | 674 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7918% | 3,215 |
| Assets per employee ($millions) | 3.3354% | 4,715 |
| Cash dividends to net income (ytd only)* | 43.9239% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 3,722 |
| Loan loss allowance to noncurrent loans | 167.0732% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 2,080 |
| Noncurrent loans to loans | 0.5968% | 2,497 |
| Net loans and leases to total assets | 54.3823% | 4,251 |
| Net loans and leases to deposits | 59.3996% | 4,509 |
| Net loans and leases to core deposits | 60.1295% | 4,623 |
| Total domestic deposits to total assets | 91.5532% | 112 |
| Equity capital to assets | 8.3208% | 5,034 |
| Core capital (leverage) ratio | 8.2746% | 5,134 |
| Tier 1 risk-based capital ratio | 14.8624% | 2,899 |
| Total risk-based capital ratio | 15.8605% | 2,933 |
| Memoranda: | ||
| Average total assets | $101,634,600 | 4,072 |
| Average earning assets | $98,242,200 | 4,000 |
| Average equity | $7,878,600 | 4,630 |
| Average total loans | $51,389,200 | 4,289 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 4,142 |
| Cost of funding earning assets | 0.2257% | 4,917 |
| Net interest margin | 3.7027% | 3,011 |
| Noninterest income to average assets | 0.1843% | 4,868 |
| Noninterest expense to average assets | 2.4189% | 3,807 |
| Loan and lease loss provision to assets | 0.0366% | 3,272 |
| Net operating income to assets | 1.3094% | 1,816 |
| Return on assets (ROA) | 1.3094% | 1,821 |
| Pretax return on assets | 1.3094% | 2,583 |
| Return on Equity (ROE) | 17.2011% | 520 |
| Retained earnings to average equity (ytd only) | 8.0512% | 1,623 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2485% | 3,138 |
| Assets per employee ($millions) | 3.5054% | 4,559 |
| Cash dividends to net income (ytd only)* | 53.1936% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,945 |
| Loan loss allowance to noncurrent loans | 156.5868% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 2,238 |
| Noncurrent loans to loans | 0.6189% | 2,539 |
| Net loans and leases to total assets | 52.5689% | 4,452 |
| Net loans and leases to deposits | 57.1783% | 4,692 |
| Net loans and leases to core deposits | 57.8656% | 4,794 |
| Total domestic deposits to total assets | 91.9386% | 86 |
| Equity capital to assets | 7.8952% | 5,211 |
| Core capital (leverage) ratio | 8.0274% | 5,311 |
| Tier 1 risk-based capital ratio | 14.5312% | 3,113 |
| Total risk-based capital ratio | 15.5015% | 3,160 |
| Memoranda: | ||
| Average total assets | $102,027,750 | 4,108 |
| Average earning assets | $98,663,000 | 4,034 |
| Average equity | $7,766,750 | 4,687 |
| Average total loans | $50,495,500 | 4,353 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 4,415 |
| Cost of funding earning assets | 0.2085% | 4,989 |
| Net interest margin | 3.5625% | 3,430 |
| Noninterest income to average assets | 0.1860% | 4,896 |
| Noninterest expense to average assets | 2.4121% | 3,865 |
| Loan and lease loss provision to assets | -0.0157% | 5,318 |
| Net operating income to assets | 1.2354% | 2,035 |
| Return on assets (ROA) | 1.2354% | 2,031 |
| Pretax return on assets | 1.2354% | 2,788 |
| Return on Equity (ROE) | 16.4316% | 595 |
| Retained earnings to average equity (ytd only) | 6.6664% | 2,223 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4151% | 2,903 |
| Assets per employee ($millions) | 3.3759% | 4,741 |
| Cash dividends to net income (ytd only)* | 59.4295% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,850 |
| Loan loss allowance to noncurrent loans | 145.8084% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 2,246 |
| Noncurrent loans to loans | 0.6849% | 2,395 |
| Net loans and leases to total assets | 47.6687% | 4,739 |
| Net loans and leases to deposits | 51.7150% | 4,924 |
| Net loans and leases to core deposits | 52.3163% | 4,983 |
| Total domestic deposits to total assets | 92.1758% | 73 |
| Equity capital to assets | 7.7116% | 5,316 |
| Core capital (leverage) ratio | 7.8008% | 5,399 |
| Tier 1 risk-based capital ratio | 15.6899% | 2,552 |
| Total risk-based capital ratio | 16.7061% | 2,591 |
| Memoranda: | ||
| Average total assets | $102,151,330 | 4,142 |
| Average earning assets | $98,806,670 | 4,073 |
| Average equity | $7,680,330 | 4,751 |
| Average total loans | $49,339,670 | 4,417 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,759 |
| Cost of funding earning assets | 0.2014% | 5,005 |
| Net interest margin | 3.3717% | 3,979 |
| Noninterest income to average assets | 0.1872% | 4,903 |
| Noninterest expense to average assets | 2.3316% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1190% | 2,339 |
| Return on assets (ROA) | 1.1190% | 2,357 |
| Pretax return on assets | 1.1190% | 3,102 |
| Return on Equity (ROE) | 15.0745% | 792 |
| Retained earnings to average equity (ytd only) | 6.1454% | 2,649 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5706% | 2,899 |
| Assets per employee ($millions) | 3.5238% | 4,642 |
| Cash dividends to net income (ytd only)* | 59.2334% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,966 |
| Loan loss allowance to noncurrent loans | 148.2036% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 2,349 |
| Noncurrent loans to loans | 0.6741% | 2,530 |
| Net loans and leases to total assets | 47.9974% | 4,699 |
| Net loans and leases to deposits | 51.9499% | 4,882 |
| Net loans and leases to core deposits | 52.5465% | 4,966 |
| Total domestic deposits to total assets | 92.3917% | 72 |
| Equity capital to assets | 7.5056% | 5,415 |
| Core capital (leverage) ratio | 7.6002% | 5,490 |
| Tier 1 risk-based capital ratio | 15.5633% | 2,641 |
| Total risk-based capital ratio | 16.6016% | 2,656 |
| Memoranda: | ||
| Average total assets | $102,589,000 | 4,182 |
| Average earning assets | $99,297,000 | 4,110 |
| Average equity | $7,615,500 | 4,810 |
| Average total loans | $49,627,500 | 4,451 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 4,792 |
| Cost of funding earning assets | 0.2025% | 4,930 |
| Net interest margin | 3.2934% | 4,182 |
| Noninterest income to average assets | 0.1800% | 5,056 |
| Noninterest expense to average assets | 2.4499% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9149% | 2,629 |
| Return on assets (ROA) | 0.9149% | 2,657 |
| Pretax return on assets | 0.9149% | 3,863 |
| Return on Equity (ROE) | 12.6339% | 1,046 |
| Retained earnings to average equity (ytd only) | 6.0096% | 1,536 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8101% | 2,098 |
| Assets per employee ($millions) | 3.4329% | 4,790 |
| Cash dividends to net income (ytd only)* | 52.4324% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,976 |
| Loan loss allowance to noncurrent loans | 213.3621% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 2,707 |
| Noncurrent loans to loans | 0.4667% | 3,109 |
| Net loans and leases to total assets | 47.7886% | 4,783 |
| Net loans and leases to deposits | 51.6373% | 5,004 |
| Net loans and leases to core deposits | 52.2241% | 5,061 |
| Total domestic deposits to total assets | 92.5466% | 48 |
| Equity capital to assets | 7.3417% | 5,560 |
| Core capital (leverage) ratio | 7.4033% | 5,571 |
| Tier 1 risk-based capital ratio | 15.4076% | 2,656 |
| Total risk-based capital ratio | 16.4554% | 2,676 |
| Memoranda: | ||
| Average total assets | $101,105,400 | 4,217 |
| Average earning assets | $97,771,200 | 4,139 |
| Average equity | $7,321,600 | 4,891 |
| Average total loans | $48,835,000 | 4,492 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4631% | 4,877 |
| Cost of funding earning assets | 0.2014% | 4,966 |
| Net interest margin | 3.2617% | 4,291 |
| Noninterest income to average assets | 0.1828% | 5,103 |
| Noninterest expense to average assets | 2.4086% | 3,996 |
| Loan and lease loss provision to assets | -0.0053% | 5,447 |
| Net operating income to assets | 0.9340% | 2,859 |
| Return on assets (ROA) | 0.9340% | 2,917 |
| Pretax return on assets | 0.9340% | 3,921 |
| Return on Equity (ROE) | 12.9443% | 1,071 |
| Retained earnings to average equity (ytd only) | 5.2144% | 2,731 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1715% | 2,182 |
| Assets per employee ($millions) | 3.4128% | 4,846 |
| Cash dividends to net income (ytd only)* | 59.7162% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 4,054 |
| Loan loss allowance to noncurrent loans | 212.9310% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 2,855 |
| Noncurrent loans to loans | 0.4698% | 3,290 |
| Net loans and leases to total assets | 47.7487% | 4,847 |
| Net loans and leases to deposits | 51.5517% | 5,070 |
| Net loans and leases to core deposits | 52.1395% | 5,136 |
| Total domestic deposits to total assets | 92.6229% | 33 |
| Equity capital to assets | 7.2394% | 5,642 |
| Core capital (leverage) ratio | 7.3881% | 5,630 |
| Tier 1 risk-based capital ratio | 15.0766% | 2,886 |
| Total risk-based capital ratio | 16.1233% | 2,902 |
| Memoranda: | ||
| Average total assets | $100,635,000 | 4,270 |
| Average earning assets | $97,328,750 | 4,183 |
| Average equity | $7,261,750 | 4,951 |
| Average total loans | $48,616,000 | 4,539 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4001% | 4,971 |
| Cost of funding earning assets | 0.1985% | 4,998 |
| Net interest margin | 3.2015% | 4,416 |
| Noninterest income to average assets | 0.1819% | 5,141 |
| Noninterest expense to average assets | 2.4049% | 4,040 |
| Loan and lease loss provision to assets | -0.0300% | 5,577 |
| Net operating income to assets | 0.9016% | 2,903 |
| Return on assets (ROA) | 0.9016% | 2,955 |
| Pretax return on assets | 0.9016% | 3,927 |
| Return on Equity (ROE) | 12.5075% | 1,161 |
| Retained earnings to average equity (ytd only) | 5.0474% | 2,678 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3984% | 2,108 |
| Assets per employee ($millions) | 3.2464% | 5,038 |
| Cash dividends to net income (ytd only)* | 59.6452% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,913 |
| Loan loss allowance to noncurrent loans | 183.1502% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 2,745 |
| Noncurrent loans to loans | 0.5667% | 3,036 |
| Net loans and leases to total assets | 47.3712% | 4,862 |
| Net loans and leases to deposits | 51.1359% | 5,095 |
| Net loans and leases to core deposits | 51.7089% | 5,157 |
| Total domestic deposits to total assets | 92.6379% | 40 |
| Equity capital to assets | 7.2617% | 5,686 |
| Core capital (leverage) ratio | 7.2949% | 5,680 |
| Tier 1 risk-based capital ratio | 15.2193% | 2,835 |
| Total risk-based capital ratio | 16.2596% | 2,857 |
| Memoranda: | ||
| Average total assets | $100,046,330 | 4,308 |
| Average earning assets | $96,704,000 | 4,220 |
| Average equity | $7,211,670 | 4,979 |
| Average total loans | $48,361,000 | 4,568 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2667% | 5,153 |
| Cost of funding earning assets | 0.1951% | 5,020 |
| Net interest margin | 3.0716% | 4,728 |
| Noninterest income to average assets | 0.1644% | 5,292 |
| Noninterest expense to average assets | 2.3900% | 4,143 |
| Loan and lease loss provision to assets | -0.0682% | 5,730 |
| Net operating income to assets | 0.8100% | 3,176 |
| Return on assets (ROA) | 0.8100% | 3,234 |
| Pretax return on assets | 0.8100% | 4,075 |
| Return on Equity (ROE) | 11.2794% | 1,472 |
| Retained earnings to average equity (ytd only) | 4.2437% | 3,319 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3124% | 1,866 |
| Assets per employee ($millions) | 3.4676% | 4,840 |
| Cash dividends to net income (ytd only)* | 62.3762% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,947 |
| Loan loss allowance to noncurrent loans | 185.1301% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 2,836 |
| Noncurrent loans to loans | 0.5709% | 3,094 |
| Net loans and leases to total assets | 46.3609% | 4,921 |
| Net loans and leases to deposits | 49.9727% | 5,135 |
| Net loans and leases to core deposits | 50.5311% | 5,200 |
| Total domestic deposits to total assets | 92.7725% | 44 |
| Equity capital to assets | 7.1608% | 5,736 |
| Core capital (leverage) ratio | 7.3568% | 5,730 |
| Tier 1 risk-based capital ratio | 15.4920% | 2,757 |
| Total risk-based capital ratio | 16.5621% | 2,760 |
| Memoranda: | ||
| Average total assets | $99,751,000 | 4,354 |
| Average earning assets | $96,366,000 | 4,265 |
| Average equity | $7,163,500 | 5,034 |
| Average total loans | $48,455,000 | 4,607 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 5,177 |
| Cost of funding earning assets | 0.2064% | 4,956 |
| Net interest margin | 3.0803% | 4,778 |
| Noninterest income to average assets | 0.1711% | 5,365 |
| Noninterest expense to average assets | 2.4211% | 4,242 |
| Loan and lease loss provision to assets | 0.0275% | 3,804 |
| Net operating income to assets | 0.7018% | 3,773 |
| Return on assets (ROA) | 0.7018% | 3,881 |
| Pretax return on assets | 0.7018% | 4,481 |
| Return on Equity (ROE) | 9.8631% | 2,020 |
| Retained earnings to average equity (ytd only) | 3.1064% | 3,693 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8510% | 1,871 |
| Assets per employee ($millions) | 3.5336% | 4,710 |
| Cash dividends to net income (ytd only)* | 68.5051% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 4,114 |
| Loan loss allowance to noncurrent loans | 169.9670% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 2,785 |
| Noncurrent loans to loans | 0.6085% | 3,024 |
| Net loans and leases to total assets | 49.8034% | 4,778 |
| Net loans and leases to deposits | 53.7179% | 5,028 |
| Net loans and leases to core deposits | 54.4896% | 5,127 |
| Total domestic deposits to total assets | 92.7128% | 53 |
| Equity capital to assets | 7.2023% | 5,776 |
| Core capital (leverage) ratio | 7.1166% | 5,798 |
| Tier 1 risk-based capital ratio | 14.9645% | 2,977 |
| Total risk-based capital ratio | 16.0450% | 2,999 |
| Memoranda: | ||
| Average total assets | $98,178,600 | 4,381 |
| Average earning assets | $94,957,000 | 4,291 |
| Average equity | $6,985,600 | 5,093 |
| Average total loans | $47,935,200 | 4,635 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 5,321 |
| Cost of funding earning assets | 0.2011% | 5,053 |
| Net interest margin | 3.0271% | 4,959 |
| Noninterest income to average assets | 0.1728% | 5,409 |
| Noninterest expense to average assets | 2.4261% | 4,206 |
| Loan and lease loss provision to assets | 0.0191% | 3,865 |
| Net operating income to assets | 0.6558% | 4,053 |
| Return on assets (ROA) | 0.6558% | 4,173 |
| Pretax return on assets | 0.6558% | 4,722 |
| Return on Equity (ROE) | 9.2461% | 2,383 |
| Retained earnings to average equity (ytd only) | 1.6497% | 4,847 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2361% | 1,655 |
| Assets per employee ($millions) | 3.5152% | 4,757 |
| Cash dividends to net income (ytd only)* | 82.1583% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 4,175 |
| Loan loss allowance to noncurrent loans | 186.6171% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 3,127 |
| Noncurrent loans to loans | 0.5578% | 3,323 |
| Net loans and leases to total assets | 46.8109% | 5,037 |
| Net loans and leases to deposits | 50.3174% | 5,286 |
| Net loans and leases to core deposits | 51.0102% | 5,349 |
| Total domestic deposits to total assets | 93.0313% | 33 |
| Equity capital to assets | 6.8666% | 5,897 |
| Core capital (leverage) ratio | 7.2399% | 5,859 |
| Tier 1 risk-based capital ratio | 15.1513% | 2,973 |
| Total risk-based capital ratio | 16.2375% | 2,987 |
| Memoranda: | ||
| Average total assets | $97,988,000 | 4,416 |
| Average earning assets | $94,786,500 | 4,333 |
| Average equity | $6,950,500 | 5,148 |
| Average total loans | $47,471,250 | 4,684 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2377% | 5,380 |
| Cost of funding earning assets | 0.2010% | 5,128 |
| Net interest margin | 3.0367% | 5,001 |
| Noninterest income to average assets | 0.2110% | 5,234 |
| Noninterest expense to average assets | 2.4289% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7200% | 3,699 |
| Return on assets (ROA) | 0.7200% | 3,854 |
| Pretax return on assets | 0.7200% | 4,557 |
| Return on Equity (ROE) | 10.0375% | 2,033 |
| Retained earnings to average equity (ytd only) | 1.1826% | 4,907 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1353% | 1,909 |
| Assets per employee ($millions) | 3.2916% | 5,078 |
| Cash dividends to net income (ytd only)* | 88.2184% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 4,259 |
| Loan loss allowance to noncurrent loans | 181.4126% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 3,092 |
| Noncurrent loans to loans | 0.5749% | 3,342 |
| Net loans and leases to total assets | 48.5077% | 4,950 |
| Net loans and leases to deposits | 52.3677% | 5,234 |
| Net loans and leases to core deposits | 52.9776% | 5,320 |
| Total domestic deposits to total assets | 92.6291% | 44 |
| Equity capital to assets | 7.2891% | 5,938 |
| Core capital (leverage) ratio | 7.2022% | 5,928 |
| Tier 1 risk-based capital ratio | 15.4244% | 2,893 |
| Total risk-based capital ratio | 16.5063% | 2,893 |
| Memoranda: | ||
| Average total assets | $96,670,000 | 4,485 |
| Average earning assets | $93,522,000 | 4,394 |
| Average equity | $6,934,000 | 5,206 |
| Average total loans | $47,221,000 | 4,732 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1814% | 5,512 |
| Cost of funding earning assets | 0.1996% | 5,207 |
| Net interest margin | 2.9817% | 5,158 |
| Noninterest income to average assets | 0.2385% | 5,036 |
| Noninterest expense to average assets | 2.3767% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7484% | 3,491 |
| Return on assets (ROA) | 0.7484% | 3,596 |
| Pretax return on assets | 0.7484% | 4,370 |
| Return on Equity (ROE) | 10.5172% | 1,776 |
| Retained earnings to average equity (ytd only) | 1.6180% | 4,625 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0526% | 2,170 |
| Assets per employee ($millions) | 3.5467% | 4,746 |
| Cash dividends to net income (ytd only)* | 84.6154% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 4,440 |
| Loan loss allowance to noncurrent loans | 180.7407% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 3,233 |
| Noncurrent loans to loans | 0.5708% | 3,481 |
| Net loans and leases to total assets | 47.1407% | 5,036 |
| Net loans and leases to deposits | 50.7177% | 5,303 |
| Net loans and leases to core deposits | 51.1276% | 5,401 |
| Total domestic deposits to total assets | 92.9471% | 47 |
| Equity capital to assets | 6.9884% | 6,006 |
| Core capital (leverage) ratio | 7.2271% | 5,969 |
| Tier 1 risk-based capital ratio | 15.2398% | 3,044 |
| Total risk-based capital ratio | 16.3108% | 3,065 |
| Memoranda: | ||
| Average total assets | $97,276,500 | 4,505 |
| Average earning assets | $94,173,000 | 4,419 |
| Average equity | $6,922,000 | 5,244 |
| Average total loans | $47,435,500 | 4,750 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 5,326 |
| Cost of funding earning assets | 0.1964% | 5,315 |
| Net interest margin | 3.1166% | 4,862 |
| Noninterest income to average assets | 0.2073% | 5,351 |
| Noninterest expense to average assets | 2.4985% | 4,227 |
| Loan and lease loss provision to assets | 0.0496% | 3,327 |
| Net operating income to assets | 0.6505% | 4,033 |
| Return on assets (ROA) | 0.6505% | 4,132 |
| Pretax return on assets | 0.6505% | 4,675 |
| Return on Equity (ROE) | 8.7732% | 2,581 |
| Retained earnings to average equity (ytd only) | 4.0297% | 3,153 |
| Net charge-offs to loans | 0.0152% | 3,985 |
| Credit loss provision to net charge-offs | 642.8571% | 524 |
| Earnings coverage of net charge-offs (x) | 90.7143% | 629 |
| Efficiency ratio | 78.1110% | 1,950 |
| Assets per employee ($millions) | 3.5276% | 4,784 |
| Cash dividends to net income (ytd only)* | 54.0678% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 4,463 |
| Loan loss allowance to noncurrent loans | 180.7407% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 3,148 |
| Noncurrent loans to loans | 0.5676% | 3,473 |
| Net loans and leases to total assets | 49.4309% | 4,919 |
| Net loans and leases to deposits | 53.3369% | 5,196 |
| Net loans and leases to core deposits | 53.7780% | 5,332 |
| Total domestic deposits to total assets | 92.6769% | 57 |
| Equity capital to assets | 7.2486% | 6,017 |
| Core capital (leverage) ratio | 7.3985% | 5,993 |
| Tier 1 risk-based capital ratio | 15.2207% | 3,068 |
| Total risk-based capital ratio | 16.2947% | 3,092 |
| Memoranda: | ||
| Average total assets | $90,696,000 | 4,655 |
| Average earning assets | $87,050,800 | 4,561 |
| Average equity | $6,725,000 | 5,293 |
| Average total loans | $46,028,000 | 4,793 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3081% | 5,394 |
| Cost of funding earning assets | 0.1943% | 5,430 |
| Net interest margin | 3.1138% | 4,927 |
| Noninterest income to average assets | 0.2055% | 5,417 |
| Noninterest expense to average assets | 2.5577% | 4,022 |
| Loan and lease loss provision to assets | 0.0447% | 3,317 |
| Net operating income to assets | 0.5851% | 4,452 |
| Return on assets (ROA) | 0.5851% | 4,549 |
| Pretax return on assets | 0.5851% | 5,013 |
| Return on Equity (ROE) | 7.8439% | 3,167 |
| Retained earnings to average equity (ytd only) | 2.7144% | 4,485 |
| Net charge-offs to loans | 0.0204% | 3,531 |
| Credit loss provision to net charge-offs | 428.5714% | 718 |
| Earnings coverage of net charge-offs (x) | 60.4491% | 920 |
| Efficiency ratio | 80.2429% | 1,626 |
| Assets per employee ($millions) | 3.4031% | 4,974 |
| Cash dividends to net income (ytd only)* | 65.3944% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 4,561 |
| Loan loss allowance to noncurrent loans | 162.5430% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 3,199 |
| Noncurrent loans to loans | 0.6353% | 3,416 |
| Net loans and leases to total assets | 49.3361% | 4,983 |
| Net loans and leases to deposits | 53.3236% | 5,302 |
| Net loans and leases to core deposits | 53.7721% | 5,415 |
| Total domestic deposits to total assets | 92.5221% | 63 |
| Equity capital to assets | 7.3756% | 6,093 |
| Core capital (leverage) ratio | 7.5257% | 6,052 |
| Tier 1 risk-based capital ratio | 15.1897% | 3,195 |
| Total risk-based capital ratio | 16.2493% | 3,231 |
| Memoranda: | ||
| Average total assets | $89,558,500 | 4,734 |
| Average earning assets | $85,767,000 | 4,645 |
| Average equity | $6,680,250 | 5,372 |
| Average total loans | $45,642,750 | 4,855 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2980% | 5,442 |
| Cost of funding earning assets | 0.1911% | 5,522 |
| Net interest margin | 3.1069% | 4,955 |
| Noninterest income to average assets | 0.1982% | 5,494 |
| Noninterest expense to average assets | 2.5861% | 3,951 |
| Loan and lease loss provision to assets | 0.1036% | 2,098 |
| Net operating income to assets | 0.4753% | 4,867 |
| Return on assets (ROA) | 0.4753% | 4,965 |
| Pretax return on assets | 0.4753% | 5,285 |
| Return on Equity (ROE) | 6.3478% | 3,964 |
| Retained earnings to average equity (ytd only) | 0.6619% | 5,300 |
| Net charge-offs to loans | 0.0263% | 3,151 |
| Credit loss provision to net charge-offs | 766.6667% | 444 |
| Earnings coverage of net charge-offs (x) | 42.8333% | 1,077 |
| Efficiency ratio | 81.7082% | 1,530 |
| Assets per employee ($millions) | 3.1472% | 5,410 |
| Cash dividends to net income (ytd only)* | 89.5735% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 4,775 |
| Loan loss allowance to noncurrent loans | 211.2069% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7195% | 3,232 |
| Noncurrent loans to loans | 0.4823% | 4,026 |
| Net loans and leases to total assets | 54.0291% | 4,552 |
| Net loans and leases to deposits | 58.5045% | 4,954 |
| Net loans and leases to core deposits | 59.0070% | 5,135 |
| Total domestic deposits to total assets | 92.3503% | 96 |
| Equity capital to assets | 7.5521% | 6,108 |
| Core capital (leverage) ratio | 7.5355% | 6,092 |
| Tier 1 risk-based capital ratio | 14.4217% | 3,685 |
| Total risk-based capital ratio | 15.4816% | 3,725 |
| Memoranda: | ||
| Average total assets | $88,783,330 | 4,796 |
| Average earning assets | $84,779,330 | 4,715 |
| Average equity | $6,648,000 | 5,421 |
| Average total loans | $45,588,670 | 4,905 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1004% | 5,780 |
| Cost of funding earning assets | 0.1885% | 5,615 |
| Net interest margin | 2.9119% | 5,428 |
| Noninterest income to average assets | 0.2199% | 5,380 |
| Noninterest expense to average assets | 2.5181% | 4,208 |
| Loan and lease loss provision to assets | 0.0584% | 2,767 |
| Net operating income to assets | 0.4174% | 5,010 |
| Return on assets (ROA) | 0.4174% | 5,127 |
| Pretax return on assets | 0.4174% | 5,393 |
| Return on Equity (ROE) | 5.5986% | 4,231 |
| Retained earnings to average equity (ytd only) | 1.3846% | 4,934 |
| Net charge-offs to loans | 0.0722% | 1,998 |
| Credit loss provision to net charge-offs | 162.5000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,736 |
| Efficiency ratio | 84.1079% | 1,372 |
| Assets per employee ($millions) | 3.1723% | 5,447 |
| Cash dividends to net income (ytd only)* | 75.2688% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 4,933 |
| Loan loss allowance to noncurrent loans | 196.1207% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 2,580 |
| Noncurrent loans to loans | 0.5185% | 4,022 |
| Net loans and leases to total assets | 49.8610% | 4,866 |
| Net loans and leases to deposits | 53.9465% | 5,192 |
| Net loans and leases to core deposits | 54.7359% | 5,328 |
| Total domestic deposits to total assets | 92.4267% | 103 |
| Equity capital to assets | 7.5001% | 6,178 |
| Core capital (leverage) ratio | 7.8054% | 6,031 |
| Tier 1 risk-based capital ratio | 14.3050% | 3,826 |
| Total risk-based capital ratio | 15.2811% | 3,910 |
| Memoranda: | ||
| Average total assets | $89,114,500 | 4,828 |
| Average earning assets | $84,893,500 | 4,750 |
| Average equity | $6,644,500 | 5,473 |
| Average total loans | $44,332,500 | 4,972 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 5,477 |
| Cost of funding earning assets | 0.2211% | 5,585 |
| Net interest margin | 3.2034% | 4,907 |
| Noninterest income to average assets | 0.2949% | 5,012 |
| Noninterest expense to average assets | 2.6846% | 3,923 |
| Loan and lease loss provision to assets | 0.0214% | 4,185 |
| Net operating income to assets | 0.5683% | 4,514 |
| Return on assets (ROA) | 0.5683% | 4,603 |
| Pretax return on assets | 0.5683% | 5,038 |
| Return on Equity (ROE) | 7.3234% | 3,459 |
| Retained earnings to average equity (ytd only) | 1.9458% | 4,826 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9898% | 1,661 |
| Assets per employee ($millions) | 3.4386% | 4,994 |
| Cash dividends to net income (ytd only)* | 73.4310% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 4,926 |
| Loan loss allowance to noncurrent loans | 177.1654% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1677% | 2,430 |
| Noncurrent loans to loans | 0.5783% | 3,936 |
| Net loans and leases to total assets | 48.6231% | 5,107 |
| Net loans and leases to deposits | 52.5628% | 5,438 |
| Net loans and leases to core deposits | 53.3190% | 5,542 |
| Total domestic deposits to total assets | 92.5048% | 97 |
| Equity capital to assets | 7.4124% | 6,255 |
| Core capital (leverage) ratio | 7.8610% | 6,072 |
| Tier 1 risk-based capital ratio | 14.5475% | 3,748 |
| Total risk-based capital ratio | 15.5326% | 3,838 |
| Memoranda: | ||
| Average total assets | $84,109,600 | 4,956 |
| Average earning assets | $78,228,400 | 4,919 |
| Average equity | $6,527,000 | 5,515 |
| Average total loans | $42,606,400 | 5,086 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 5,446 |
| Cost of funding earning assets | 0.2301% | 5,588 |
| Net interest margin | 3.2438% | 4,813 |
| Noninterest income to average assets | 0.3124% | 4,943 |
| Noninterest expense to average assets | 2.7299% | 3,713 |
| Loan and lease loss provision to assets | 0.0081% | 4,256 |
| Net operating income to assets | 0.5717% | 4,587 |
| Return on assets (ROA) | 0.5717% | 4,662 |
| Pretax return on assets | 0.5717% | 5,121 |
| Return on Equity (ROE) | 7.2796% | 3,566 |
| Retained earnings to average equity (ytd only) | 1.3328% | 5,363 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4818% | 1,554 |
| Assets per employee ($millions) | 3.1260% | 5,550 |
| Cash dividends to net income (ytd only)* | 81.6910% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 5,204 |
| Loan loss allowance to noncurrent loans | 171.7647% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 2,484 |
| Noncurrent loans to loans | 0.5839% | 4,174 |
| Net loans and leases to total assets | 51.2245% | 4,875 |
| Net loans and leases to deposits | 55.6077% | 5,271 |
| Net loans and leases to core deposits | 56.4477% | 5,422 |
| Total domestic deposits to total assets | 92.1176% | 141 |
| Equity capital to assets | 7.7817% | 6,220 |
| Core capital (leverage) ratio | 7.9335% | 6,114 |
| Tier 1 risk-based capital ratio | 14.5542% | 3,854 |
| Total risk-based capital ratio | 15.5225% | 3,965 |
| Memoranda: | ||
| Average total assets | $82,786,000 | 5,049 |
| Average earning assets | $76,493,500 | 5,026 |
| Average equity | $6,502,000 | 5,574 |
| Average total loans | $42,277,750 | 5,152 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 5,482 |
| Cost of funding earning assets | 0.2385% | 5,598 |
| Net interest margin | 3.2298% | 4,847 |
| Noninterest income to average assets | 0.3161% | 4,882 |
| Noninterest expense to average assets | 2.7575% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5228% | 4,722 |
| Return on assets (ROA) | 0.5228% | 4,813 |
| Pretax return on assets | 0.5228% | 5,214 |
| Return on Equity (ROE) | 6.6358% | 3,814 |
| Retained earnings to average equity (ytd only) | 0.2778% | 5,609 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0623% | 1,506 |
| Assets per employee ($millions) | 2.9747% | 5,788 |
| Cash dividends to net income (ytd only)* | 95.8140% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 5,162 |
| Loan loss allowance to noncurrent loans | 186.2069% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 1.4864% | 2,193 |
| Noncurrent loans to loans | 0.5574% | 4,346 |
| Net loans and leases to total assets | 49.4555% | 5,021 |
| Net loans and leases to deposits | 53.7004% | 5,381 |
| Net loans and leases to core deposits | 54.6915% | 5,509 |
| Total domestic deposits to total assets | 92.0952% | 161 |
| Equity capital to assets | 7.8088% | 6,250 |
| Core capital (leverage) ratio | 7.9601% | 6,124 |
| Tier 1 risk-based capital ratio | 15.0136% | 3,633 |
| Total risk-based capital ratio | 16.0073% | 3,723 |
| Memoranda: | ||
| Average total assets | $82,247,000 | 5,104 |
| Average earning assets | $75,484,000 | 5,091 |
| Average equity | $6,480,000 | 5,605 |
| Average total loans | $41,812,670 | 5,201 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3774% | 5,696 |
| Cost of funding earning assets | 0.2606% | 5,479 |
| Net interest margin | 3.1168% | 5,186 |
| Noninterest income to average assets | 0.3084% | 4,896 |
| Noninterest expense to average assets | 2.7605% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4160% | 5,060 |
| Return on assets (ROA) | 0.4160% | 5,128 |
| Pretax return on assets | 0.4160% | 5,402 |
| Return on Equity (ROE) | 5.2566% | 4,420 |
| Retained earnings to average equity (ytd only) | -2.1027% | 5,866 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9029% | 1,347 |
| Assets per employee ($millions) | 2.8523% | 6,045 |
| Cash dividends to net income (ytd only)* | 140.0000% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 5,441 |
| Loan loss allowance to noncurrent loans | 77.1429% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.4967% | 2,358 |
| Noncurrent loans to loans | 1.3228% | 2,820 |
| Net loans and leases to total assets | 50.6565% | 4,836 |
| Net loans and leases to deposits | 54.9853% | 5,200 |
| Net loans and leases to core deposits | 55.9942% | 5,353 |
| Total domestic deposits to total assets | 92.1273% | 216 |
| Equity capital to assets | 7.7966% | 6,178 |
| Core capital (leverage) ratio | 7.8408% | 6,205 |
| Tier 1 risk-based capital ratio | 15.0745% | 3,675 |
| Total risk-based capital ratio | 16.0789% | 3,753 |
| Memoranda: | ||
| Average total assets | $81,725,000 | 5,168 |
| Average earning assets | $75,206,500 | 5,142 |
| Average equity | $6,468,000 | 5,643 |
| Average total loans | $41,907,000 | 5,244 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,946 |
| Cost of funding earning assets | 0.2683% | 5,844 |
| Net interest margin | 3.4919% | 3,940 |
| Noninterest income to average assets | 0.3186% | 5,057 |
| Noninterest expense to average assets | 2.8921% | 3,393 |
| Loan and lease loss provision to assets | 0.0078% | 4,970 |
| Net operating income to assets | 0.7059% | 3,771 |
| Return on assets (ROA) | 0.7059% | 3,853 |
| Pretax return on assets | 0.7059% | 4,519 |
| Return on Equity (ROE) | 8.5114% | 2,776 |
| Retained earnings to average equity (ytd only) | 3.0297% | 4,078 |
| Net charge-offs to loans | 0.0524% | 4,492 |
| Credit loss provision to net charge-offs | 27.2727% | 4,305 |
| Earnings coverage of net charge-offs (x) | 25.0455% | 1,344 |
| Efficiency ratio | 80.2083% | 2,120 |
| Assets per employee ($millions) | 2.7839% | 6,132 |
| Cash dividends to net income (ytd only)* | 64.4037% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 5,374 |
| Loan loss allowance to noncurrent loans | 70.2439% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4566% | 2,559 |
| Noncurrent loans to loans | 1.4826% | 2,666 |
| Net loans and leases to total assets | 50.8447% | 4,981 |
| Net loans and leases to deposits | 55.3467% | 5,361 |
| Net loans and leases to core deposits | 56.5756% | 5,489 |
| Total domestic deposits to total assets | 91.8659% | 311 |
| Equity capital to assets | 8.0350% | 5,993 |
| Core capital (leverage) ratio | 8.1377% | 6,022 |
| Tier 1 risk-based capital ratio | 15.5461% | 3,344 |
| Total risk-based capital ratio | 16.5764% | 3,420 |
| Memoranda: | ||
| Average total assets | $77,209,000 | 5,299 |
| Average earning assets | $72,682,200 | 5,232 |
| Average equity | $6,403,200 | 5,714 |
| Average total loans | $42,005,800 | 5,267 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,815 |
| Cost of funding earning assets | 0.2695% | 5,965 |
| Net interest margin | 3.5419% | 3,700 |
| Noninterest income to average assets | 0.3197% | 5,133 |
| Noninterest expense to average assets | 2.8805% | 3,374 |
| Loan and lease loss provision to assets | 0.0035% | 4,885 |
| Net operating income to assets | 0.7878% | 3,409 |
| Return on assets (ROA) | 0.7878% | 3,545 |
| Pretax return on assets | 0.7878% | 4,346 |
| Return on Equity (ROE) | 9.4218% | 2,435 |
| Retained earnings to average equity (ytd only) | 3.3216% | 4,312 |
| Net charge-offs to loans | 0.0696% | 3,934 |
| Credit loss provision to net charge-offs | 9.0909% | 4,225 |
| Earnings coverage of net charge-offs (x) | 20.5926% | 1,582 |
| Efficiency ratio | 78.4491% | 2,348 |
| Assets per employee ($millions) | 2.6691% | 6,307 |
| Cash dividends to net income (ytd only)* | 64.7442% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 5,635 |
| Loan loss allowance to noncurrent loans | 69.7068% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.6252% | 2,523 |
| Noncurrent loans to loans | 1.4622% | 2,973 |
| Net loans and leases to total assets | 53.6955% | 4,662 |
| Net loans and leases to deposits | 58.6559% | 5,116 |
| Net loans and leases to core deposits | 59.7238% | 5,321 |
| Total domestic deposits to total assets | 91.5432% | 356 |
| Equity capital to assets | 8.3302% | 5,892 |
| Core capital (leverage) ratio | 8.3846% | 5,873 |
| Tier 1 risk-based capital ratio | 15.3344% | 3,544 |
| Total risk-based capital ratio | 16.3469% | 3,641 |
| Memoranda: | ||
| Average total assets | $76,327,750 | 5,371 |
| Average earning assets | $72,238,000 | 5,300 |
| Average equity | $6,382,250 | 5,790 |
| Average total loans | $42,137,000 | 5,308 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 4,631 |
| Cost of funding earning assets | 0.2666% | 6,062 |
| Net interest margin | 3.5909% | 3,398 |
| Noninterest income to average assets | 0.3080% | 5,240 |
| Noninterest expense to average assets | 2.8538% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8582% | 3,002 |
| Return on assets (ROA) | 0.8582% | 3,150 |
| Pretax return on assets | 0.8582% | 4,076 |
| Return on Equity (ROE) | 10.2510% | 2,105 |
| Retained earnings to average equity (ytd only) | 2.7672% | 4,553 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8794% | 2,651 |
| Assets per employee ($millions) | 2.4159% | 6,570 |
| Cash dividends to net income (ytd only)* | 73.0061% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,431 |
| Loan loss allowance to noncurrent loans | 76.1905% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5248% | 2,819 |
| Noncurrent loans to loans | 1.4475% | 3,133 |
| Net loans and leases to total assets | 53.6411% | 4,640 |
| Net loans and leases to deposits | 58.7090% | 5,099 |
| Net loans and leases to core deposits | 59.8692% | 5,269 |
| Total domestic deposits to total assets | 91.3678% | 419 |
| Equity capital to assets | 8.5267% | 5,743 |
| Core capital (leverage) ratio | 8.4532% | 5,719 |
| Tier 1 risk-based capital ratio | 15.8878% | 3,265 |
| Total risk-based capital ratio | 16.9979% | 3,284 |
| Memoranda: | ||
| Average total assets | $75,968,670 | 5,417 |
| Average earning assets | $72,015,330 | 5,334 |
| Average equity | $6,360,330 | 5,836 |
| Average total loans | $42,185,670 | 5,331 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 4,837 |
| Cost of funding earning assets | 0.2644% | 6,197 |
| Net interest margin | 3.5303% | 3,571 |
| Noninterest income to average assets | 0.2980% | 5,324 |
| Noninterest expense to average assets | 2.8233% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8261% | 3,020 |
| Return on assets (ROA) | 0.8261% | 3,164 |
| Pretax return on assets | 0.8261% | 4,059 |
| Return on Equity (ROE) | 9.9567% | 2,080 |
| Retained earnings to average equity (ytd only) | 3.0248% | 4,472 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3639% | 2,715 |
| Assets per employee ($millions) | 2.7649% | 6,335 |
| Cash dividends to net income (ytd only)* | 69.6203% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 5,837 |
| Loan loss allowance to noncurrent loans | 76.4505% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4726% | 3,052 |
| Noncurrent loans to loans | 1.3594% | 3,528 |
| Net loans and leases to total assets | 55.1023% | 4,223 |
| Net loans and leases to deposits | 60.0902% | 4,784 |
| Net loans and leases to core deposits | 61.0001% | 5,058 |
| Total domestic deposits to total assets | 91.6994% | 307 |
| Equity capital to assets | 8.2309% | 6,233 |
| Core capital (leverage) ratio | 8.4272% | 5,671 |
| Tier 1 risk-based capital ratio | 14.9873% | 3,844 |
| Total risk-based capital ratio | 16.0410% | 3,944 |
| Memoranda: | ||
| Average total assets | $76,506,000 | 5,451 |
| Average earning assets | $72,629,000 | 5,366 |
| Average equity | $6,347,500 | 5,900 |
| Average total loans | $42,967,500 | 5,342 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 4,886 |
| Cost of funding earning assets | 0.3261% | 6,329 |
| Net interest margin | 3.7914% | 3,264 |
| Noninterest income to average assets | 0.2816% | 5,454 |
| Noninterest expense to average assets | 3.0164% | 3,210 |
| Loan and lease loss provision to assets | 0.0248% | 5,581 |
| Net operating income to assets | 0.8518% | 3,033 |
| Return on assets (ROA) | 0.8518% | 3,284 |
| Pretax return on assets | 0.8518% | 4,096 |
| Return on Equity (ROE) | 9.9561% | 2,191 |
| Retained earnings to average equity (ytd only) | 3.5339% | 3,732 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4823% | 2,521 |
| Assets per employee ($millions) | 2.6999% | 6,427 |
| Cash dividends to net income (ytd only)* | 64.5057% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 5,776 |
| Loan loss allowance to noncurrent loans | 76.4505% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 3,124 |
| Noncurrent loans to loans | 1.3682% | 3,547 |
| Net loans and leases to total assets | 56.0625% | 4,282 |
| Net loans and leases to deposits | 61.2486% | 4,878 |
| Net loans and leases to core deposits | 62.1860% | 5,134 |
| Total domestic deposits to total assets | 91.5326% | 331 |
| Equity capital to assets | 8.3642% | 6,150 |
| Core capital (leverage) ratio | 8.5134% | 5,587 |
| Tier 1 risk-based capital ratio | 15.0711% | 3,682 |
| Total risk-based capital ratio | 16.1388% | 3,731 |
| Memoranda: | ||
| Average total assets | $72,438,000 | 5,567 |
| Average earning assets | $68,998,600 | 5,464 |
| Average equity | $6,197,200 | 5,971 |
| Average total loans | $43,152,000 | 5,368 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 4,906 |
| Cost of funding earning assets | 0.3420% | 6,414 |
| Net interest margin | 3.8322% | 3,195 |
| Noninterest income to average assets | 0.2736% | 5,595 |
| Noninterest expense to average assets | 3.0370% | 3,104 |
| Loan and lease loss provision to assets | 0.0335% | 5,356 |
| Net operating income to assets | 0.8523% | 3,200 |
| Return on assets (ROA) | 0.8523% | 3,456 |
| Pretax return on assets | 0.8523% | 4,294 |
| Return on Equity (ROE) | 9.9039% | 2,389 |
| Retained earnings to average equity (ytd only) | 2.1624% | 5,246 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,466 |
| Assets per employee ($millions) | 2.6800% | 6,517 |
| Cash dividends to net income (ytd only)* | 78.1659% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 5,896 |
| Loan loss allowance to noncurrent loans | 66.8657% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.6915% | 3,049 |
| Noncurrent loans to loans | 1.5700% | 3,434 |
| Net loans and leases to total assets | 58.3546% | 4,072 |
| Net loans and leases to deposits | 63.8946% | 4,725 |
| Net loans and leases to core deposits | 65.1545% | 5,038 |
| Total domestic deposits to total assets | 91.3296% | 324 |
| Equity capital to assets | 8.5764% | 6,194 |
| Core capital (leverage) ratio | 8.7041% | 5,466 |
| Tier 1 risk-based capital ratio | 14.9159% | 3,912 |
| Total risk-based capital ratio | 15.9928% | 3,979 |
| Memoranda: | ||
| Average total assets | $71,648,500 | 5,644 |
| Average earning assets | $68,226,750 | 5,547 |
| Average equity | $6,165,750 | 6,048 |
| Average total loans | $43,232,750 | 5,426 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 4,974 |
| Cost of funding earning assets | 0.3676% | 6,429 |
| Net interest margin | 3.8264% | 3,238 |
| Noninterest income to average assets | 0.3669% | 4,893 |
| Noninterest expense to average assets | 3.0359% | 3,136 |
| Loan and lease loss provision to assets | 0.0504% | 5,038 |
| Net operating income to assets | 0.9242% | 2,787 |
| Return on assets (ROA) | 0.9242% | 3,049 |
| Pretax return on assets | 0.9242% | 3,987 |
| Return on Equity (ROE) | 10.7276% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.4458% | 4,306 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6983% | 2,788 |
| Assets per employee ($millions) | 2.4417% | 6,806 |
| Cash dividends to net income (ytd only)* | 67.8788% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 6,115 |
| Loan loss allowance to noncurrent loans | 65.1163% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 3,044 |
| Noncurrent loans to loans | 1.5522% | 3,580 |
| Net loans and leases to total assets | 61.9647% | 3,445 |
| Net loans and leases to deposits | 68.0290% | 4,194 |
| Net loans and leases to core deposits | 69.5275% | 4,588 |
| Total domestic deposits to total assets | 91.0858% | 420 |
| Equity capital to assets | 8.7773% | 5,942 |
| Core capital (leverage) ratio | 8.7728% | 5,264 |
| Tier 1 risk-based capital ratio | 14.2164% | 4,293 |
| Total risk-based capital ratio | 15.2418% | 4,418 |
| Memoranda: | ||
| Average total assets | $71,411,000 | 5,683 |
| Average earning assets | $68,000,670 | 5,589 |
| Average equity | $6,152,330 | 6,077 |
| Average total loans | $43,419,000 | 5,456 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 5,379 |
| Cost of funding earning assets | 0.3858% | 6,483 |
| Net interest margin | 3.7356% | 3,667 |
| Noninterest income to average assets | 0.3570% | 5,017 |
| Noninterest expense to average assets | 3.0176% | 3,181 |
| Loan and lease loss provision to assets | 0.0725% | 4,494 |
| Net operating income to assets | 0.8311% | 3,245 |
| Return on assets (ROA) | 0.8311% | 3,477 |
| Pretax return on assets | 0.8311% | 4,298 |
| Return on Equity (ROE) | 9.7370% | 2,499 |
| Retained earnings to average equity (ytd only) | 1.6991% | 5,383 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9559% | 2,655 |
| Assets per employee ($millions) | 2.4511% | 6,887 |
| Cash dividends to net income (ytd only)* | 82.5503% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 6,206 |
| Loan loss allowance to noncurrent loans | 70.4293% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.7065% | 3,300 |
| Noncurrent loans to loans | 1.4328% | 3,962 |
| Net loans and leases to total assets | 61.1370% | 3,421 |
| Net loans and leases to deposits | 67.0224% | 4,227 |
| Net loans and leases to core deposits | 67.9520% | 4,682 |
| Total domestic deposits to total assets | 91.2187% | 469 |
| Equity capital to assets | 8.6265% | 5,958 |
| Core capital (leverage) ratio | 8.7481% | 5,206 |
| Tier 1 risk-based capital ratio | 14.1332% | 4,369 |
| Total risk-based capital ratio | 15.1544% | 4,512 |
| Memoranda: | ||
| Average total assets | $71,712,500 | 5,724 |
| Average earning assets | $68,423,500 | 5,614 |
| Average equity | $6,121,000 | 6,115 |
| Average total loans | $42,966,500 | 5,508 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 5,892 |
| Cost of funding earning assets | 0.4658% | 6,672 |
| Net interest margin | 3.7924% | 3,863 |
| Noninterest income to average assets | 0.3892% | 4,711 |
| Noninterest expense to average assets | 3.2445% | 2,708 |
| Loan and lease loss provision to assets | 0.0507% | 5,955 |
| Net operating income to assets | 0.6993% | 3,492 |
| Return on assets (ROA) | 0.6993% | 3,679 |
| Pretax return on assets | 0.6993% | 4,321 |
| Return on Equity (ROE) | 7.8268% | 2,997 |
| Retained earnings to average equity (ytd only) | 2.8203% | 4,235 |
| Net charge-offs to loans | 0.0073% | 6,327 |
| Credit loss provision to net charge-offs | 1,133.3333% | 189 |
| Earnings coverage of net charge-offs (x) | 167.6667% | 205 |
| Efficiency ratio | 81.2243% | 2,129 |
| Assets per employee ($millions) | 2.4946% | 6,835 |
| Cash dividends to net income (ytd only)* | 63.9659% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 6,104 |
| Loan loss allowance to noncurrent loans | 63.6095% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.7763% | 3,288 |
| Noncurrent loans to loans | 1.6083% | 3,745 |
| Net loans and leases to total assets | 57.5074% | 4,462 |
| Net loans and leases to deposits | 62.8933% | 5,131 |
| Net loans and leases to core deposits | 63.7471% | 5,490 |
| Total domestic deposits to total assets | 91.4365% | 349 |
| Equity capital to assets | 8.4460% | 6,208 |
| Core capital (leverage) ratio | 8.6336% | 5,342 |
| Tier 1 risk-based capital ratio | 14.4634% | 3,994 |
| Total risk-based capital ratio | 15.4821% | 4,115 |
| Memoranda: | ||
| Average total assets | $67,067,400 | 5,837 |
| Average earning assets | $63,759,800 | 5,742 |
| Average equity | $5,992,200 | 6,161 |
| Average total loans | $40,930,600 | 5,645 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 5,837 |
| Cost of funding earning assets | 0.4869% | 6,757 |
| Net interest margin | 3.8463% | 3,635 |
| Noninterest income to average assets | 0.3954% | 4,699 |
| Noninterest expense to average assets | 3.2933% | 2,519 |
| Loan and lease loss provision to assets | 0.0669% | 5,615 |
| Net operating income to assets | 0.6875% | 3,684 |
| Return on assets (ROA) | 0.6875% | 3,854 |
| Pretax return on assets | 0.6875% | 4,527 |
| Return on Equity (ROE) | 7.5802% | 3,237 |
| Retained earnings to average equity (ytd only) | 1.6546% | 5,310 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3627% | 2,064 |
| Assets per employee ($millions) | 2.3624% | 7,023 |
| Cash dividends to net income (ytd only)* | 78.1699% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,275 |
| Loan loss allowance to noncurrent loans | 117.7112% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 3,989 |
| Noncurrent loans to loans | 0.8485% | 5,174 |
| Net loans and leases to total assets | 62.5062% | 3,610 |
| Net loans and leases to deposits | 68.6343% | 4,495 |
| Net loans and leases to core deposits | 69.6207% | 4,992 |
| Total domestic deposits to total assets | 91.0714% | 414 |
| Equity capital to assets | 8.7754% | 6,002 |
| Core capital (leverage) ratio | 9.0546% | 4,844 |
| Tier 1 risk-based capital ratio | 13.9117% | 4,412 |
| Total risk-based capital ratio | 14.9117% | 4,576 |
| Memoranda: | ||
| Average total assets | $65,748,750 | 5,924 |
| Average earning assets | $62,430,000 | 5,825 |
| Average equity | $5,962,750 | 6,212 |
| Average total loans | $40,655,250 | 5,716 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 6,040 |
| Cost of funding earning assets | 0.5137% | 6,801 |
| Net interest margin | 3.7813% | 3,885 |
| Noninterest income to average assets | 0.4041% | 4,647 |
| Noninterest expense to average assets | 3.3010% | 2,557 |
| Loan and lease loss provision to assets | 0.0309% | 5,923 |
| Net operating income to assets | 0.6602% | 3,742 |
| Return on assets (ROA) | 0.6602% | 3,865 |
| Pretax return on assets | 0.6602% | 4,534 |
| Return on Equity (ROE) | 7.1977% | 3,352 |
| Retained earnings to average equity (ytd only) | 0.7736% | 5,548 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6893% | 1,990 |
| Assets per employee ($millions) | 2.2140% | 7,176 |
| Cash dividends to net income (ytd only)* | 89.2523% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,334 |
| Loan loss allowance to noncurrent loans | 481.1765% | 688 |
| Noncurrent assets plus other real estate owned to assets | 1.2600% | 4,373 |
| Noncurrent loans to loans | 0.2079% | 6,491 |
| Net loans and leases to total assets | 63.0383% | 3,669 |
| Net loans and leases to deposits | 69.5853% | 4,488 |
| Net loans and leases to core deposits | 70.6617% | 4,993 |
| Total domestic deposits to total assets | 90.5914% | 682 |
| Equity capital to assets | 9.2794% | 5,171 |
| Core capital (leverage) ratio | 9.0441% | 4,654 |
| Tier 1 risk-based capital ratio | 14.3625% | 3,892 |
| Total risk-based capital ratio | 15.3485% | 4,066 |
| Memoranda: | ||
| Average total assets | $64,828,330 | 5,989 |
| Average earning assets | $61,514,000 | 5,909 |
| Average equity | $5,946,330 | 6,246 |
| Average total loans | $39,788,670 | 5,809 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 6,318 |
| Cost of funding earning assets | 0.5431% | 6,823 |
| Net interest margin | 3.6398% | 4,373 |
| Noninterest income to average assets | 0.3684% | 4,965 |
| Noninterest expense to average assets | 3.2116% | 2,859 |
| Loan and lease loss provision to assets | 0.0184% | 5,714 |
| Net operating income to assets | 0.5956% | 4,057 |
| Return on assets (ROA) | 0.5956% | 4,126 |
| Pretax return on assets | 0.5956% | 4,698 |
| Return on Equity (ROE) | 6.5314% | 3,613 |
| Retained earnings to average equity (ytd only) | -0.9427% | 5,974 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9486% | 1,961 |
| Assets per employee ($millions) | 2.3431% | 7,148 |
| Cash dividends to net income (ytd only)* | 114.4330% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 6,288 |
| Loan loss allowance to noncurrent loans | 462.0690% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 5,394 |
| Noncurrent loans to loans | 0.2227% | 6,535 |
| Net loans and leases to total assets | 58.9236% | 4,474 |
| Net loans and leases to deposits | 65.0567% | 5,123 |
| Net loans and leases to core deposits | 66.0403% | 5,503 |
| Total domestic deposits to total assets | 90.5727% | 810 |
| Equity capital to assets | 9.0326% | 5,151 |
| Core capital (leverage) ratio | 8.9866% | 4,633 |
| Tier 1 risk-based capital ratio | 15.2092% | 3,312 |
| Total risk-based capital ratio | 16.2416% | 3,392 |
| Memoranda: | ||
| Average total assets | $65,139,000 | 6,025 |
| Average earning assets | $61,871,500 | 5,944 |
| Average equity | $5,940,500 | 6,269 |
| Average total loans | $39,241,000 | 5,883 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 5,998 |
| Cost of funding earning assets | 0.7353% | 6,776 |
| Net interest margin | 3.9009% | 3,485 |
| Noninterest income to average assets | 0.4080% | 4,841 |
| Noninterest expense to average assets | 3.3676% | 2,532 |
| Loan and lease loss provision to assets | 0.0532% | 6,621 |
| Net operating income to assets | 0.6843% | 3,283 |
| Return on assets (ROA) | 0.7274% | 3,240 |
| Pretax return on assets | 0.7355% | 3,845 |
| Return on Equity (ROE) | 7.6415% | 2,833 |
| Retained earnings to average equity (ytd only) | 1.7621% | 4,622 |
| Net charge-offs to loans | 0.1014% | 5,848 |
| Credit loss provision to net charge-offs | 82.5000% | 5,469 |
| Earnings coverage of net charge-offs (x) | 11.5500% | 1,595 |
| Efficiency ratio | 81.8824% | 2,184 |
| Assets per employee ($millions) | 2.3097% | 7,213 |
| Cash dividends to net income (ytd only)* | 76.9401% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,326 |
| Loan loss allowance to noncurrent loans | 453.4091% | 702 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 4,809 |
| Noncurrent loans to loans | 0.2232% | 6,614 |
| Net loans and leases to total assets | 60.3408% | 4,625 |
| Net loans and leases to deposits | 66.7448% | 5,297 |
| Net loans and leases to core deposits | 67.7694% | 5,687 |
| Total domestic deposits to total assets | 90.4053% | 885 |
| Equity capital to assets | 9.2081% | 4,829 |
| Core capital (leverage) ratio | 8.9618% | 4,605 |
| Tier 1 risk-based capital ratio | 15.0168% | 3,246 |
| Total risk-based capital ratio | 16.0262% | 3,336 |
| Memoranda: | ||
| Average total assets | $62,002,600 | 6,124 |
| Average earning assets | $58,884,200 | 6,031 |
| Average equity | $5,902,000 | 6,396 |
| Average total loans | $39,464,800 | 5,939 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 6,179 |
| Cost of funding earning assets | 0.7688% | 6,848 |
| Net interest margin | 3.8851% | 3,587 |
| Noninterest income to average assets | 0.4304% | 4,713 |
| Noninterest expense to average assets | 3.3911% | 2,322 |
| Loan and lease loss provision to assets | 0.0630% | 6,432 |
| Net operating income to assets | 0.6673% | 3,556 |
| Return on assets (ROA) | 0.7260% | 3,449 |
| Pretax return on assets | 0.7260% | 4,158 |
| Return on Equity (ROE) | 7.5622% | 3,079 |
| Retained earnings to average equity (ytd only) | 0.4981% | 5,600 |
| Net charge-offs to loans | 0.1385% | 5,192 |
| Credit loss provision to net charge-offs | 70.7317% | 5,396 |
| Earnings coverage of net charge-offs (x) | 8.1944% | 2,196 |
| Efficiency ratio | 82.2785% | 2,032 |
| Assets per employee ($millions) | 2.3313% | 7,278 |
| Cash dividends to net income (ytd only)* | 93.4137% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 6,211 |
| Loan loss allowance to noncurrent loans | 442.6966% | 679 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 4,950 |
| Noncurrent loans to loans | 0.2352% | 6,704 |
| Net loans and leases to total assets | 57.3711% | 5,356 |
| Net loans and leases to deposits | 63.3290% | 5,989 |
| Net loans and leases to core deposits | 64.2879% | 6,276 |
| Total domestic deposits to total assets | 90.5921% | 600 |
| Equity capital to assets | 9.0295% | 5,540 |
| Core capital (leverage) ratio | 9.3423% | 4,141 |
| Tier 1 risk-based capital ratio | 15.3320% | 3,082 |
| Total risk-based capital ratio | 16.3638% | 3,180 |
| Memoranda: | ||
| Average total assets | $61,335,500 | 6,214 |
| Average earning assets | $58,272,250 | 6,118 |
| Average equity | $5,888,750 | 6,485 |
| Average total loans | $39,475,500 | 6,026 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 5,985 |
| Cost of funding earning assets | 0.8058% | 6,896 |
| Net interest margin | 3.9416% | 3,277 |
| Noninterest income to average assets | 0.4365% | 4,639 |
| Noninterest expense to average assets | 3.4620% | 2,117 |
| Loan and lease loss provision to assets | 0.0966% | 5,946 |
| Net operating income to assets | 0.6264% | 3,752 |
| Return on assets (ROA) | 0.7164% | 3,478 |
| Pretax return on assets | 0.7164% | 4,176 |
| Return on Equity (ROE) | 7.3042% | 3,179 |
| Retained earnings to average equity (ytd only) | -1.4608% | 6,054 |
| Net charge-offs to loans | 0.2149% | 4,320 |
| Credit loss provision to net charge-offs | 67.4419% | 5,034 |
| Earnings coverage of net charge-offs (x) | 5.0465% | 2,764 |
| Efficiency ratio | 82.7229% | 2,075 |
| Assets per employee ($millions) | 1.9898% | 7,580 |
| Cash dividends to net income (ytd only)* | 120.0000% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,395 |
| Loan loss allowance to noncurrent loans | 2,172.2222% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 6,207 |
| Noncurrent loans to loans | 0.0461% | 7,199 |
| Net loans and leases to total assets | 64.7687% | 4,097 |
| Net loans and leases to deposits | 72.0948% | 4,974 |
| Net loans and leases to core deposits | 73.6550% | 5,479 |
| Total domestic deposits to total assets | 89.8382% | 998 |
| Equity capital to assets | 9.7665% | 4,319 |
| Core capital (leverage) ratio | 9.5353% | 3,768 |
| Tier 1 risk-based capital ratio | 15.0444% | 3,134 |
| Total risk-based capital ratio | 16.0604% | 3,232 |
| Memoranda: | ||
| Average total assets | $60,022,330 | 6,301 |
| Average earning assets | $57,083,670 | 6,196 |
| Average equity | $5,887,000 | 6,500 |
| Average total loans | $40,019,670 | 6,049 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 6,148 |
| Cost of funding earning assets | 0.8098% | 7,060 |
| Net interest margin | 3.9161% | 3,257 |
| Noninterest income to average assets | 0.4054% | 4,876 |
| Noninterest expense to average assets | 3.3762% | 2,301 |
| Loan and lease loss provision to assets | 0.0532% | 6,137 |
| Net operating income to assets | 0.7045% | 3,422 |
| Return on assets (ROA) | 0.7045% | 3,531 |
| Pretax return on assets | 0.7045% | 4,214 |
| Return on Equity (ROE) | 7.1676% | 3,262 |
| Retained earnings to average equity (ytd only) | -1.4876% | 6,122 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6720% | 2,320 |
| Assets per employee ($millions) | 2.2114% | 7,534 |
| Cash dividends to net income (ytd only)* | 120.7547% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,421 |
| Loan loss allowance to noncurrent loans | 127.8638% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 5,852 |
| Noncurrent loans to loans | 0.7882% | 5,743 |
| Net loans and leases to total assets | 65.5120% | 3,985 |
| Net loans and leases to deposits | 72.7232% | 4,958 |
| Net loans and leases to core deposits | 74.6215% | 5,432 |
| Total domestic deposits to total assets | 90.0840% | 945 |
| Equity capital to assets | 9.5236% | 4,498 |
| Core capital (leverage) ratio | 9.7306% | 3,478 |
| Tier 1 risk-based capital ratio | 14.7151% | 3,252 |
| Total risk-based capital ratio | 15.7610% | 3,341 |
| Memoranda: | ||
| Average total assets | $60,186,500 | 6,372 |
| Average earning assets | $57,301,500 | 6,267 |
| Average equity | $5,915,500 | 6,550 |
| Average total loans | $40,502,500 | 6,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5099% | 4,095 |
| Cost of funding earning assets | 1.0237% | 7,161 |
| Net interest margin | 4.4862% | 1,205 |
| Noninterest income to average assets | 0.4237% | 5,016 |
| Noninterest expense to average assets | 3.8576% | 1,575 |
| Loan and lease loss provision to assets | 0.0387% | 7,159 |
| Net operating income to assets | 0.6761% | 3,032 |
| Return on assets (ROA) | 0.6761% | 3,084 |
| Pretax return on assets | 0.6853% | 3,622 |
| Return on Equity (ROE) | 6.2205% | 3,117 |
| Retained earnings to average equity (ytd only) | 0.6441% | 4,543 |
| Net charge-offs to loans | -0.0026% | 7,700 |
| Credit loss provision to net charge-offs | -2,100.0000% | 7,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1978% | 2,325 |
| Assets per employee ($millions) | 2.0876% | 7,668 |
| Cash dividends to net income (ytd only)* | 89.6458% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 6,295 |
| Loan loss allowance to noncurrent loans | 114.0449% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 5,580 |
| Noncurrent loans to loans | 0.8894% | 5,527 |
| Net loans and leases to total assets | 67.7827% | 3,751 |
| Net loans and leases to deposits | 75.7717% | 4,781 |
| Net loans and leases to core deposits | 83.5287% | 5,764 |
| Total domestic deposits to total assets | 89.4565% | 1,236 |
| Equity capital to assets | 10.1517% | 3,560 |
| Core capital (leverage) ratio | 10.2113% | 2,871 |
| Tier 1 risk-based capital ratio | 14.9546% | 2,966 |
| Total risk-based capital ratio | 15.9957% | 3,033 |
| Memoranda: | ||
| Average total assets | $54,283,000 | 6,551 |
| Average earning assets | $50,309,400 | 6,521 |
| Average equity | $5,899,800 | 6,635 |
| Average total loans | $39,004,600 | 6,158 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7175% | 3,254 |
| Cost of funding earning assets | 1.0695% | 7,245 |
| Net interest margin | 4.6480% | 912 |
| Noninterest income to average assets | 0.4307% | 5,037 |
| Noninterest expense to average assets | 3.9593% | 1,332 |
| Loan and lease loss provision to assets | 0.0626% | 6,735 |
| Net operating income to assets | 0.6862% | 3,254 |
| Return on assets (ROA) | 0.6862% | 3,310 |
| Pretax return on assets | 0.6862% | 3,903 |
| Return on Equity (ROE) | 6.2011% | 3,440 |
| Retained earnings to average equity (ytd only) | -0.4527% | 5,329 |
| Net charge-offs to loans | -0.0034% | 7,608 |
| Credit loss provision to net charge-offs | -2,500.0000% | 7,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0957% | 2,284 |
| Assets per employee ($millions) | 1.9573% | 7,826 |
| Cash dividends to net income (ytd only)* | 107.3004% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,307 |
| Loan loss allowance to noncurrent loans | 282.7586% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 6,387 |
| Noncurrent loans to loans | 0.3529% | 6,647 |
| Net loans and leases to total assets | 74.2190% | 2,466 |
| Net loans and leases to deposits | 83.5507% | 3,718 |
| Net loans and leases to core deposits | 93.5983% | 5,060 |
| Total domestic deposits to total assets | 88.8311% | 1,278 |
| Equity capital to assets | 10.7437% | 3,251 |
| Core capital (leverage) ratio | 10.4770% | 2,812 |
| Tier 1 risk-based capital ratio | 14.4288% | 3,317 |
| Total risk-based capital ratio | 15.4532% | 3,387 |
| Memoranda: | ||
| Average total assets | $53,240,500 | 6,629 |
| Average earning assets | $48,994,750 | 6,613 |
| Average equity | $5,891,250 | 6,706 |
| Average total loans | $38,749,000 | 6,212 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8182% | 2,961 |
| Cost of funding earning assets | 1.1094% | 7,359 |
| Net interest margin | 4.7088% | 785 |
| Noninterest income to average assets | 0.4628% | 4,760 |
| Noninterest expense to average assets | 4.0820% | 1,212 |
| Loan and lease loss provision to assets | -0.0114% | 8,145 |
| Net operating income to assets | 0.6753% | 3,365 |
| Return on assets (ROA) | 0.6753% | 3,477 |
| Pretax return on assets | 0.6753% | 4,081 |
| Return on Equity (ROE) | 6.0418% | 3,629 |
| Retained earnings to average equity (ytd only) | -0.8486% | 5,441 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0112% | 2,231 |
| Assets per employee ($millions) | 1.8861% | 7,928 |
| Cash dividends to net income (ytd only)* | 114.0449% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 6,311 |
| Loan loss allowance to noncurrent loans | 262.7586% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 6,322 |
| Noncurrent loans to loans | 0.3776% | 6,566 |
| Net loans and leases to total assets | 69.5016% | 3,817 |
| Net loans and leases to deposits | 78.3415% | 4,809 |
| Net loans and leases to core deposits | 87.5783% | 5,756 |
| Total domestic deposits to total assets | 88.7162% | 1,424 |
| Equity capital to assets | 10.7719% | 3,143 |
| Core capital (leverage) ratio | 11.0736% | 2,349 |
| Tier 1 risk-based capital ratio | 15.3633% | 2,871 |
| Total risk-based capital ratio | 16.3778% | 2,905 |
| Memoranda: | ||
| Average total assets | $52,719,330 | 6,713 |
| Average earning assets | $47,953,000 | 6,713 |
| Average equity | $5,892,330 | 6,765 |
| Average total loans | $37,970,330 | 6,297 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0044% | 2,342 |
| Cost of funding earning assets | 1.1610% | 7,389 |
| Net interest margin | 4.8434% | 555 |
| Noninterest income to average assets | 0.4485% | 4,786 |
| Noninterest expense to average assets | 4.1678% | 979 |
| Loan and lease loss provision to assets | 0.0077% | 6,710 |
| Net operating income to assets | 0.5954% | 4,035 |
| Return on assets (ROA) | 0.5954% | 4,231 |
| Pretax return on assets | 0.5954% | 4,767 |
| Return on Equity (ROE) | 5.2270% | 4,372 |
| Retained earnings to average equity (ytd only) | -4.2766% | 6,458 |
| Net charge-offs to loans | 0.0106% | 5,481 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 530 |
| Efficiency ratio | 87.3582% | 1,950 |
| Assets per employee ($millions) | 1.7101% | 8,056 |
| Cash dividends to net income (ytd only)* | 181.8182% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 6,027 |
| Loan loss allowance to noncurrent loans | 480.0000% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 6,458 |
| Noncurrent loans to loans | 0.2128% | 6,921 |
| Net loans and leases to total assets | 72.5240% | 3,115 |
| Net loans and leases to deposits | 82.5886% | 4,195 |
| Net loans and leases to core deposits | 91.1825% | 5,446 |
| Total domestic deposits to total assets | 87.8136% | 1,837 |
| Equity capital to assets | 11.4145% | 2,646 |
| Core capital (leverage) ratio | 11.1161% | 2,413 |
| Tier 1 risk-based capital ratio | 15.3412% | 2,916 |
| Total risk-based capital ratio | 16.3691% | 2,950 |
| Memoranda: | ||
| Average total assets | $51,730,000 | 6,795 |
| Average earning assets | $46,166,000 | 6,832 |
| Average equity | $5,892,500 | 6,816 |
| Average total loans | $37,757,000 | 6,344 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2614% | 4,176 |
| Cost of funding earning assets | 1.4383% | 7,697 |
| Net interest margin | 4.8231% | 742 |
| Noninterest income to average assets | 0.3683% | 5,760 |
| Noninterest expense to average assets | 3.8542% | 1,653 |
| Loan and lease loss provision to assets | 0.1119% | 5,938 |
| Net operating income to assets | 0.7112% | 3,841 |
| Return on assets (ROA) | 0.8809% | 2,932 |
| Pretax return on assets | 0.8900% | 3,754 |
| Return on Equity (ROE) | 8.2458% | 2,956 |
| Retained earnings to average equity (ytd only) | -0.8111% | 5,545 |
| Net charge-offs to loans | 0.0028% | 6,974 |
| Credit loss provision to net charge-offs | 6,200.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 460.0000% | 111 |
| Efficiency ratio | 82.2736% | 2,271 |
| Assets per employee ($millions) | 1.6299% | 8,121 |
| Cash dividends to net income (ytd only)* | 109.8361% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 5,906 |
| Loan loss allowance to noncurrent loans | 650.8475% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 6,369 |
| Noncurrent loans to loans | 0.1556% | 6,942 |
| Net loans and leases to total assets | 71.9731% | 3,592 |
| Net loans and leases to deposits | 81.8360% | 4,750 |
| Net loans and leases to core deposits | 89.2383% | 5,872 |
| Total domestic deposits to total assets | 87.9479% | 1,488 |
| Equity capital to assets | 11.3676% | 2,731 |
| Core capital (leverage) ratio | 11.1391% | 2,472 |
| Tier 1 risk-based capital ratio | 15.0672% | 3,009 |
| Total risk-based capital ratio | 16.0656% | 3,058 |
| Memoranda: | ||
| Average total assets | $55,394,800 | 6,558 |
| Average earning assets | $49,573,600 | 6,610 |
| Average equity | $5,918,200 | 6,838 |
| Average total loans | $35,187,000 | 6,413 |