Home > Waldo State Bank > Performance and Condition Ratios
Waldo State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 1,739 |
| Cost of funding earning assets | 1.9185% | 1,040 |
| Net interest margin | 3.2424% | 2,769 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.6839% | 1,779 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4609% | 3,747 |
| Return on assets (ROA) | 0.4609% | 3,744 |
| Pretax return on assets | 0.5645% | 3,699 |
| Return on Equity (ROE) | 4.5300% | 3,806 |
| Retained earnings to average equity (ytd only) | 3.8565% | 3,011 |
| Net charge-offs to loans | -0.0294% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.4040% | 754 |
| Assets per employee ($millions) | 8.0394% | 1,413 |
| Cash dividends to net income (ytd only)* | 14.8699% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,622 |
| Loan loss allowance to noncurrent loans | 581.8750% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 2,712 |
| Noncurrent loans to loans | 0.1593% | 2,723 |
| Net loans and leases to total assets | 77.3800% | 928 |
| Net loans and leases to deposits | 98.4014% | 623 |
| Net loans and leases to core deposits | 106.5265% | 1,091 |
| Total domestic deposits to total assets | 78.6400% | 3,655 |
| Equity capital to assets | 9.6003% | 2,277 |
| Core capital (leverage) ratio | 11.0171% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $116,734,600 | 3,688 |
| Average earning assets | $106,279,000 | 3,683 |
| Average equity | $11,876,000 | 3,539 |
| Average total loans | $88,299,000 | 3,312 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 1,786 |
| Cost of funding earning assets | 1.7629% | 1,075 |
| Net interest margin | 3.2596% | 2,779 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.7144% | 1,618 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4419% | 3,887 |
| Return on assets (ROA) | 0.4419% | 3,889 |
| Pretax return on assets | 0.5532% | 3,819 |
| Return on Equity (ROE) | 4.2800% | 3,941 |
| Retained earnings to average equity (ytd only) | 4.2751% | 3,183 |
| Net charge-offs to loans | -0.0375% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.7734% | 684 |
| Assets per employee ($millions) | 6.4153% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 3,461 |
| Loan loss allowance to noncurrent loans | 603.9216% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,722 |
| Noncurrent loans to loans | 0.1625% | 2,736 |
| Net loans and leases to total assets | 76.5100% | 1,061 |
| Net loans and leases to deposits | 98.0033% | 618 |
| Net loans and leases to core deposits | 105.6594% | 1,035 |
| Total domestic deposits to total assets | 78.0700% | 3,808 |
| Equity capital to assets | 9.5373% | 2,077 |
| Core capital (leverage) ratio | 11.5781% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $113,760,500 | 3,722 |
| Average earning assets | $103,159,750 | 3,724 |
| Average equity | $11,757,750 | 3,548 |
| Average total loans | $85,257,750 | 3,355 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 1,833 |
| Cost of funding earning assets | 1.5608% | 1,142 |
| Net interest margin | 3.3089% | 2,730 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.8113% | 1,397 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.3980% | 4,005 |
| Return on assets (ROA) | 0.3980% | 4,014 |
| Pretax return on assets | 0.4971% | 3,968 |
| Return on Equity (ROE) | 3.7500% | 4,061 |
| Retained earnings to average equity (ytd only) | 3.7451% | 3,270 |
| Net charge-offs to loans | -0.0535% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.5154% | 567 |
| Assets per employee ($millions) | 6.0101% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,106 |
| Loan loss allowance to noncurrent loans | 386.4198% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 2,131 |
| Noncurrent loans to loans | 0.2761% | 2,164 |
| Net loans and leases to total assets | 76.2600% | 1,022 |
| Net loans and leases to deposits | 93.5287% | 907 |
| Net loans and leases to core deposits | 100.6659% | 1,199 |
| Total domestic deposits to total assets | 81.5300% | 3,326 |
| Equity capital to assets | 10.4307% | 1,626 |
| Core capital (leverage) ratio | 12.0677% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $111,050,667 | 3,756 |
| Average earning assets | $100,336,000 | 3,770 |
| Average equity | $11,802,000 | 3,555 |
| Average total loans | $82,283,667 | 3,387 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6864% | 1,884 |
| Cost of funding earning assets | 1.2257% | 1,388 |
| Net interest margin | 3.4607% | 2,473 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.7926% | 1,450 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.5848% | 3,718 |
| Return on assets (ROA) | 0.5848% | 3,686 |
| Pretax return on assets | 0.6981% | 3,667 |
| Return on Equity (ROE) | 5.4500% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.4480% | 2,904 |
| Net charge-offs to loans | -0.1058% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.4179% | 875 |
| Assets per employee ($millions) | 5.4241% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,243 |
| Loan loss allowance to noncurrent loans | 873.7288% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 2,764 |
| Noncurrent loans to loans | 0.1442% | 2,773 |
| Net loans and leases to total assets | 74.4700% | 1,138 |
| Net loans and leases to deposits | 91.9416% | 921 |
| Net loans and leases to core deposits | 97.5795% | 1,203 |
| Total domestic deposits to total assets | 81.0000% | 3,638 |
| Equity capital to assets | 10.9834% | 1,344 |
| Core capital (leverage) ratio | 12.5741% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $109,433,500 | 3,828 |
| Average earning assets | $97,899,500 | 3,844 |
| Average equity | $11,747,500 | 3,592 |
| Average total loans | $79,416,500 | 3,463 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 1,076 |
| Cost of funding earning assets | 0.6035% | 891 |
| Net interest margin | 3.6826% | 1,416 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.4237% | 2,354 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9448% | 2,792 |
| Return on assets (ROA) | 0.9448% | 2,735 |
| Pretax return on assets | 1.2064% | 2,415 |
| Return on Equity (ROE) | 8.8700% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.1878% | 1,759 |
| Net charge-offs to loans | 0.1366% | 587 |
| Credit loss provision to net charge-offs | 29.7030% | 1,895 |
| Earnings coverage of net charge-offs (x) | 13.4950% | 2,066 |
| Efficiency ratio | 66.2707% | 2,198 |
| Assets per employee ($millions) | 5.5193% | 3,194 |
| Cash dividends to net income (ytd only)* | 7.6628% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 1,887 |
| Loan loss allowance to noncurrent loans | 1,590.4762% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,235 |
| Noncurrent loans to loans | 0.0818% | 3,169 |
| Net loans and leases to total assets | 68.8600% | 1,748 |
| Net loans and leases to deposits | 77.9550% | 1,952 |
| Net loans and leases to core deposits | 80.8608% | 2,086 |
| Total domestic deposits to total assets | 88.3300% | 1,958 |
| Equity capital to assets | 10.4906% | 1,457 |
| Core capital (leverage) ratio | 12.4716% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $110,493,800 | 3,830 |
| Average earning assets | $98,598,800 | 3,851 |
| Average equity | $11,773,600 | 3,685 |
| Average total loans | $73,938,200 | 3,504 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 970 |
| Cost of funding earning assets | 0.5369% | 615 |
| Net interest margin | 3.6182% | 1,354 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.3476% | 2,484 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9519% | 2,661 |
| Return on assets (ROA) | 0.9977% | 2,454 |
| Pretax return on assets | 1.2800% | 2,107 |
| Return on Equity (ROE) | 9.3300% | 2,928 |
| Retained earnings to average equity (ytd only) | 9.3270% | 1,544 |
| Net charge-offs to loans | -0.0091% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2801% | 2,373 |
| Assets per employee ($millions) | 5.9816% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,370 |
| Loan loss allowance to noncurrent loans | 270.2703% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 1,431 |
| Noncurrent loans to loans | 0.5460% | 1,451 |
| Net loans and leases to total assets | 68.2100% | 1,652 |
| Net loans and leases to deposits | 77.3796% | 1,766 |
| Net loans and leases to core deposits | 80.0761% | 1,898 |
| Total domestic deposits to total assets | 88.1500% | 2,381 |
| Equity capital to assets | 10.6559% | 1,308 |
| Core capital (leverage) ratio | 12.3972% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $110,521,000 | 3,855 |
| Average earning assets | $99,089,250 | 3,868 |
| Average equity | $11,822,000 | 3,728 |
| Average total loans | $73,169,750 | 3,532 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 967 |
| Cost of funding earning assets | 0.4885% | 550 |
| Net interest margin | 3.4895% | 1,341 |
| Noninterest income to average assets | 0.3588% | 2,998 |
| Noninterest expense to average assets | 2.3055% | 2,537 |
| Loan and lease loss provision to assets | 0.0269% | 2,113 |
| Net operating income to assets | 0.9026% | 2,569 |
| Return on assets (ROA) | 0.9706% | 2,237 |
| Pretax return on assets | 1.2523% | 1,893 |
| Return on Equity (ROE) | 9.0632% | 2,680 |
| Retained earnings to average equity (ytd only) | 9.0632% | 1,272 |
| Net charge-offs to loans | -0.0083% | 3,521 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8974% | 2,525 |
| Assets per employee ($millions) | 5.9214% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 1,525 |
| Loan loss allowance to noncurrent loans | 199.0876% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 1,112 |
| Noncurrent loans to loans | 0.7324% | 1,177 |
| Net loans and leases to total assets | 69.1742% | 1,379 |
| Net loans and leases to deposits | 78.7369% | 1,485 |
| Net loans and leases to core deposits | 81.6049% | 1,616 |
| Total domestic deposits to total assets | 87.8549% | 2,630 |
| Equity capital to assets | 10.9573% | 1,231 |
| Core capital (leverage) ratio | 12.8779% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,472,000 | 3,882 |
| Average earning assets | $100,301,667 | 3,914 |
| Average equity | $11,938,333 | 3,790 |
| Average total loans | $72,712,667 | 3,575 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 1,169 |
| Cost of funding earning assets | 0.4851% | 536 |
| Net interest margin | 3.2718% | 1,642 |
| Noninterest income to average assets | 0.4003% | 2,687 |
| Noninterest expense to average assets | 2.2438% | 2,710 |
| Loan and lease loss provision to assets | 0.0246% | 1,919 |
| Net operating income to assets | 0.8783% | 2,370 |
| Return on assets (ROA) | 1.0148% | 1,809 |
| Pretax return on assets | 1.2606% | 1,617 |
| Return on Equity (ROE) | 9.5791% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.5791% | 1,126 |
| Net charge-offs to loans | -0.0056% | 3,370 |
| Credit loss provision to net charge-offs | -700.0000% | 3,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7712% | 2,666 |
| Assets per employee ($millions) | 6.2449% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,476 |
| Loan loss allowance to noncurrent loans | 107.1287% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 596 |
| Noncurrent loans to loans | 1.4242% | 595 |
| Net loans and leases to total assets | 62.1255% | 1,843 |
| Net loans and leases to deposits | 70.3235% | 1,936 |
| Net loans and leases to core deposits | 73.3096% | 1,991 |
| Total domestic deposits to total assets | 88.3425% | 2,366 |
| Equity capital to assets | 10.5553% | 1,573 |
| Core capital (leverage) ratio | 10.9988% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,915,000 | 3,877 |
| Average earning assets | $103,061,500 | 3,898 |
| Average equity | $12,068,000 | 3,855 |
| Average total loans | $71,658,500 | 3,590 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 1,247 |
| Cost of funding earning assets | 0.6389% | 450 |
| Net interest margin | 3.4103% | 1,994 |
| Noninterest income to average assets | 0.4583% | 2,772 |
| Noninterest expense to average assets | 2.3348% | 2,701 |
| Loan and lease loss provision to assets | 0.0275% | 2,504 |
| Net operating income to assets | 0.9359% | 2,917 |
| Return on assets (ROA) | 0.9359% | 2,982 |
| Pretax return on assets | 1.1981% | 2,668 |
| Return on Equity (ROE) | 8.5902% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.9171% | 1,575 |
| Net charge-offs to loans | -0.0072% | 3,644 |
| Credit loss provision to net charge-offs | -600.0000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5767% | 2,325 |
| Assets per employee ($millions) | 6.7895% | 2,079 |
| Cash dividends to net income (ytd only)* | 7.8355% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,626 |
| Loan loss allowance to noncurrent loans | 82.4117% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 457 |
| Noncurrent loans to loans | 1.7983% | 469 |
| Net loans and leases to total assets | 61.7976% | 1,967 |
| Net loans and leases to deposits | 70.0303% | 2,131 |
| Net loans and leases to core deposits | 73.3737% | 2,124 |
| Total domestic deposits to total assets | 88.2440% | 1,906 |
| Equity capital to assets | 10.6314% | 2,062 |
| Core capital (leverage) ratio | 10.9481% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,090,800 | 3,904 |
| Average earning assets | $99,227,400 | 3,916 |
| Average equity | $11,885,600 | 3,943 |
| Average total loans | $69,719,000 | 3,653 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 1,369 |
| Cost of funding earning assets | 0.6778% | 434 |
| Net interest margin | 3.3933% | 2,175 |
| Noninterest income to average assets | 0.5035% | 2,608 |
| Noninterest expense to average assets | 2.2943% | 2,767 |
| Loan and lease loss provision to assets | 0.0288% | 2,421 |
| Net operating income to assets | 0.9847% | 2,972 |
| Return on assets (ROA) | 0.9847% | 3,048 |
| Pretax return on assets | 1.2662% | 2,715 |
| Return on Equity (ROE) | 8.9797% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.9797% | 1,705 |
| Net charge-offs to loans | -0.0058% | 3,480 |
| Credit loss provision to net charge-offs | -766.6667% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9254% | 2,397 |
| Assets per employee ($millions) | 6.8905% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,530 |
| Loan loss allowance to noncurrent loans | 94.2427% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 632 |
| Noncurrent loans to loans | 1.6211% | 631 |
| Net loans and leases to total assets | 62.2052% | 1,981 |
| Net loans and leases to deposits | 70.8288% | 2,162 |
| Net loans and leases to core deposits | 74.9615% | 2,143 |
| Total domestic deposits to total assets | 87.8247% | 1,946 |
| Equity capital to assets | 11.0188% | 2,002 |
| Core capital (leverage) ratio | 11.1673% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,508,000 | 3,970 |
| Average earning assets | $97,759,750 | 3,977 |
| Average equity | $11,789,250 | 4,006 |
| Average total loans | $69,048,500 | 3,717 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 1,556 |
| Cost of funding earning assets | 0.7184% | 423 |
| Net interest margin | 3.2843% | 2,498 |
| Noninterest income to average assets | 0.5329% | 2,475 |
| Noninterest expense to average assets | 2.2890% | 2,800 |
| Loan and lease loss provision to assets | 0.0281% | 2,419 |
| Net operating income to assets | 0.9400% | 3,093 |
| Return on assets (ROA) | 0.9400% | 3,174 |
| Pretax return on assets | 1.2177% | 2,862 |
| Return on Equity (ROE) | 8.5864% | 3,231 |
| Retained earnings to average equity (ytd only) | 8.5864% | 1,856 |
| Net charge-offs to loans | -0.0029% | 3,281 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7558% | 2,327 |
| Assets per employee ($millions) | 7.2470% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 1,612 |
| Loan loss allowance to noncurrent loans | 139.2338% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 1,183 |
| Noncurrent loans to loans | 1.0723% | 1,133 |
| Net loans and leases to total assets | 63.9713% | 1,954 |
| Net loans and leases to deposits | 73.6559% | 2,033 |
| Net loans and leases to core deposits | 78.8641% | 1,969 |
| Total domestic deposits to total assets | 86.8516% | 2,406 |
| Equity capital to assets | 10.9609% | 2,007 |
| Core capital (leverage) ratio | 11.1392% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,594,667 | 3,991 |
| Average earning assets | $97,433,667 | 3,999 |
| Average equity | $11,669,667 | 4,027 |
| Average total loans | $68,850,000 | 3,748 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 1,788 |
| Cost of funding earning assets | 0.7687% | 412 |
| Net interest margin | 3.1495% | 2,847 |
| Noninterest income to average assets | 0.4889% | 2,660 |
| Noninterest expense to average assets | 2.3839% | 2,544 |
| Loan and lease loss provision to assets | 0.0303% | 2,380 |
| Net operating income to assets | 0.7391% | 3,602 |
| Return on assets (ROA) | 0.7391% | 3,672 |
| Pretax return on assets | 0.9475% | 3,499 |
| Return on Equity (ROE) | 6.7550% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.7550% | 2,650 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9132% | 1,610 |
| Assets per employee ($millions) | 6.8963% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,414 |
| Loan loss allowance to noncurrent loans | 276.2533% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 2,330 |
| Noncurrent loans to loans | 0.5615% | 2,168 |
| Net loans and leases to total assets | 64.2415% | 2,013 |
| Net loans and leases to deposits | 74.1558% | 2,100 |
| Net loans and leases to core deposits | 79.4648% | 2,056 |
| Total domestic deposits to total assets | 86.6304% | 2,473 |
| Equity capital to assets | 11.1906% | 1,729 |
| Core capital (leverage) ratio | 10.7896% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,539,500 | 4,009 |
| Average earning assets | $96,268,500 | 4,020 |
| Average equity | $11,547,000 | 4,052 |
| Average total loans | $67,978,000 | 3,774 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 1,312 |
| Cost of funding earning assets | 1.1554% | 329 |
| Net interest margin | 3.3461% | 2,935 |
| Noninterest income to average assets | 0.6092% | 2,188 |
| Noninterest expense to average assets | 2.4263% | 3,072 |
| Loan and lease loss provision to assets | 0.0316% | 4,003 |
| Net operating income to assets | 0.9722% | 2,389 |
| Return on assets (ROA) | 0.9722% | 2,536 |
| Pretax return on assets | 1.1437% | 2,536 |
| Return on Equity (ROE) | 8.3378% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.6160% | 1,168 |
| Net charge-offs to loans | -0.0477% | 4,656 |
| Credit loss provision to net charge-offs | -96.7742% | 3,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3678% | 2,318 |
| Assets per employee ($millions) | 6.7272% | 1,765 |
| Cash dividends to net income (ytd only)* | 8.6580% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,523 |
| Loan loss allowance to noncurrent loans | 263.7056% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 2,514 |
| Noncurrent loans to loans | 0.5756% | 2,258 |
| Net loans and leases to total assets | 62.6339% | 2,525 |
| Net loans and leases to deposits | 71.9043% | 2,690 |
| Net loans and leases to core deposits | 77.3660% | 2,609 |
| Total domestic deposits to total assets | 87.1074% | 1,887 |
| Equity capital to assets | 10.7010% | 2,522 |
| Core capital (leverage) ratio | 11.0525% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,042,000 | 4,055 |
| Average earning assets | $84,994,000 | 4,088 |
| Average equity | $11,082,000 | 4,067 |
| Average total loans | $65,004,600 | 3,830 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,129 |
| Cost of funding earning assets | 1.2222% | 342 |
| Net interest margin | 3.4500% | 2,751 |
| Noninterest income to average assets | 0.6399% | 2,024 |
| Noninterest expense to average assets | 2.4898% | 2,881 |
| Loan and lease loss provision to assets | 0.0316% | 3,939 |
| Net operating income to assets | 0.9794% | 2,411 |
| Return on assets (ROA) | 0.9794% | 2,555 |
| Pretax return on assets | 1.1898% | 2,423 |
| Return on Equity (ROE) | 8.2017% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.2017% | 1,236 |
| Net charge-offs to loans | -0.0603% | 4,718 |
| Credit loss provision to net charge-offs | -75.8621% | 3,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0837% | 2,301 |
| Assets per employee ($millions) | 6.3008% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,220 |
| Loan loss allowance to noncurrent loans | 164.3770% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 1,873 |
| Noncurrent loans to loans | 0.9462% | 1,593 |
| Net loans and leases to total assets | 64.6074% | 2,688 |
| Net loans and leases to deposits | 74.6850% | 2,893 |
| Net loans and leases to core deposits | 80.4983% | 2,804 |
| Total domestic deposits to total assets | 86.5066% | 1,859 |
| Equity capital to assets | 11.2705% | 2,172 |
| Core capital (leverage) ratio | 11.3784% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,893,750 | 4,099 |
| Average earning assets | $81,814,750 | 4,138 |
| Average equity | $10,973,000 | 4,087 |
| Average total loans | $64,142,000 | 3,861 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 1,197 |
| Cost of funding earning assets | 1.2862% | 385 |
| Net interest margin | 3.5027% | 2,775 |
| Noninterest income to average assets | 0.5983% | 2,138 |
| Noninterest expense to average assets | 2.5528% | 2,817 |
| Loan and lease loss provision to assets | 0.0337% | 3,843 |
| Net operating income to assets | 0.9874% | 2,372 |
| Return on assets (ROA) | 0.9874% | 2,505 |
| Pretax return on assets | 1.1111% | 2,681 |
| Return on Equity (ROE) | 8.0971% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.0971% | 1,271 |
| Net charge-offs to loans | -0.0882% | 4,821 |
| Credit loss provision to net charge-offs | -53.5714% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0389% | 2,084 |
| Assets per employee ($millions) | 5.9576% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 1,100 |
| Loan loss allowance to noncurrent loans | 109.0812% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 1,222 |
| Noncurrent loans to loans | 1.4317% | 1,075 |
| Net loans and leases to total assets | 67.5143% | 2,433 |
| Net loans and leases to deposits | 78.4801% | 2,603 |
| Net loans and leases to core deposits | 85.7029% | 2,461 |
| Total domestic deposits to total assets | 86.0274% | 1,998 |
| Equity capital to assets | 11.6741% | 1,849 |
| Core capital (leverage) ratio | 12.4346% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,921,000 | 4,146 |
| Average earning assets | $78,682,667 | 4,186 |
| Average equity | $10,843,333 | 4,109 |
| Average total loans | $63,469,000 | 3,888 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2158% | 642 |
| Cost of funding earning assets | 1.4088% | 379 |
| Net interest margin | 3.8070% | 1,942 |
| Noninterest income to average assets | 0.5553% | 2,252 |
| Noninterest expense to average assets | 2.8045% | 2,419 |
| Loan and lease loss provision to assets | 0.0373% | 3,305 |
| Net operating income to assets | 0.8959% | 2,538 |
| Return on assets (ROA) | 0.8959% | 2,637 |
| Pretax return on assets | 1.0173% | 2,790 |
| Return on Equity (ROE) | 7.1769% | 2,880 |
| Retained earnings to average equity (ytd only) | 7.1769% | 1,485 |
| Net charge-offs to loans | -0.1600% | 4,910 |
| Credit loss provision to net charge-offs | -32.0000% | 3,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6723% | 1,977 |
| Assets per employee ($millions) | 5.2801% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 957 |
| Loan loss allowance to noncurrent loans | 142.5952% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 1,599 |
| Noncurrent loans to loans | 1.1561% | 1,436 |
| Net loans and leases to total assets | 71.3971% | 2,021 |
| Net loans and leases to deposits | 84.3347% | 2,185 |
| Net loans and leases to core deposits | 93.7327% | 2,000 |
| Total domestic deposits to total assets | 84.6593% | 2,541 |
| Equity capital to assets | 12.8017% | 1,546 |
| Core capital (leverage) ratio | 12.5629% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,720,500 | 4,190 |
| Average earning assets | $74,389,000 | 4,250 |
| Average equity | $10,701,000 | 4,145 |
| Average total loans | $62,515,000 | 3,913 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 1,065 |
| Cost of funding earning assets | 1.4278% | 509 |
| Net interest margin | 3.7417% | 2,690 |
| Noninterest income to average assets | 0.3789% | 3,430 |
| Noninterest expense to average assets | 2.5728% | 3,252 |
| Loan and lease loss provision to assets | 0.1002% | 2,055 |
| Net operating income to assets | 0.8557% | 3,373 |
| Return on assets (ROA) | 0.8568% | 3,457 |
| Pretax return on assets | 0.9739% | 3,532 |
| Return on Equity (ROE) | 6.9444% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.1620% | 1,785 |
| Net charge-offs to loans | 0.0687% | 2,109 |
| Credit loss provision to net charge-offs | 193.0233% | 1,373 |
| Earnings coverage of net charge-offs (x) | 20.6744% | 1,924 |
| Efficiency ratio | 70.5727% | 2,089 |
| Assets per employee ($millions) | 5.7973% | 1,795 |
| Cash dividends to net income (ytd only)* | 11.2676% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 1,125 |
| Loan loss allowance to noncurrent loans | 120.7407% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 1,363 |
| Noncurrent loans to loans | 1.2715% | 1,181 |
| Net loans and leases to total assets | 72.1297% | 2,071 |
| Net loans and leases to deposits | 84.4790% | 2,284 |
| Net loans and leases to core deposits | 96.7306% | 1,833 |
| Total domestic deposits to total assets | 85.3818% | 2,352 |
| Equity capital to assets | 12.1746% | 2,030 |
| Core capital (leverage) ratio | 12.5575% | 1,455 |
| Tier 1 risk-based capital ratio | 17.5021% | 1,890 |
| Total risk-based capital ratio | 18.7557% | 1,844 |
| Memoranda: | ||
| Average total assets | $82,865,600 | 4,246 |
| Average earning assets | $72,347,400 | 4,307 |
| Average equity | $10,224,000 | 4,212 |
| Average total loans | $62,628,800 | 3,936 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 1,201 |
| Cost of funding earning assets | 1.4048% | 575 |
| Net interest margin | 3.7278% | 2,828 |
| Noninterest income to average assets | 0.3405% | 3,690 |
| Noninterest expense to average assets | 2.5659% | 3,254 |
| Loan and lease loss provision to assets | 0.0733% | 2,419 |
| Net operating income to assets | 0.8360% | 3,560 |
| Return on assets (ROA) | 0.8374% | 3,637 |
| Pretax return on assets | 0.9970% | 3,608 |
| Return on Equity (ROE) | 6.7631% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.7631% | 1,970 |
| Net charge-offs to loans | -0.0171% | 4,547 |
| Credit loss provision to net charge-offs | -562.5000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5961% | 2,037 |
| Assets per employee ($millions) | 5.4861% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,227 |
| Loan loss allowance to noncurrent loans | 175.7092% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1715% | 1,091 |
| Noncurrent loans to loans | 0.8580% | 1,871 |
| Net loans and leases to total assets | 78.6769% | 1,034 |
| Net loans and leases to deposits | 92.8549% | 1,334 |
| Net loans and leases to core deposits | 106.8400% | 1,123 |
| Total domestic deposits to total assets | 84.7310% | 2,532 |
| Equity capital to assets | 12.7244% | 1,774 |
| Core capital (leverage) ratio | 12.5000% | 1,567 |
| Tier 1 risk-based capital ratio | 16.9752% | 2,092 |
| Total risk-based capital ratio | 18.2292% | 2,041 |
| Memoranda: | ||
| Average total assets | $81,842,000 | 4,315 |
| Average earning assets | $72,320,500 | 4,365 |
| Average equity | $10,133,250 | 4,266 |
| Average total loans | $62,360,500 | 3,981 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 1,263 |
| Cost of funding earning assets | 1.3792% | 576 |
| Net interest margin | 3.7041% | 2,919 |
| Noninterest income to average assets | 0.3354% | 3,691 |
| Noninterest expense to average assets | 2.4947% | 3,498 |
| Loan and lease loss provision to assets | 0.0734% | 2,347 |
| Net operating income to assets | 0.7717% | 3,745 |
| Return on assets (ROA) | 0.7736% | 3,804 |
| Pretax return on assets | 1.0111% | 3,505 |
| Return on Equity (ROE) | 6.3070% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.3070% | 2,136 |
| Net charge-offs to loans | -0.0261% | 4,636 |
| Credit loss provision to net charge-offs | -375.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7467% | 2,264 |
| Assets per employee ($millions) | 5.5172% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,161 |
| Loan loss allowance to noncurrent loans | 160.7908% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 1,083 |
| Noncurrent loans to loans | 0.9572% | 1,704 |
| Net loans and leases to total assets | 75.4489% | 1,635 |
| Net loans and leases to deposits | 88.6730% | 1,916 |
| Net loans and leases to core deposits | 102.8564% | 1,482 |
| Total domestic deposits to total assets | 85.0866% | 2,435 |
| Equity capital to assets | 12.3795% | 1,922 |
| Core capital (leverage) ratio | 12.5346% | 1,520 |
| Tier 1 risk-based capital ratio | 17.0029% | 2,089 |
| Total risk-based capital ratio | 18.2565% | 2,030 |
| Memoranda: | ||
| Average total assets | $81,692,330 | 4,352 |
| Average earning assets | $71,488,670 | 4,414 |
| Average equity | $10,020,670 | 4,297 |
| Average total loans | $61,235,670 | 4,019 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 1,050 |
| Cost of funding earning assets | 1.3294% | 597 |
| Net interest margin | 3.7959% | 2,541 |
| Noninterest income to average assets | 0.3204% | 3,717 |
| Noninterest expense to average assets | 2.6417% | 3,076 |
| Loan and lease loss provision to assets | 0.0739% | 2,195 |
| Net operating income to assets | 0.7892% | 3,662 |
| Return on assets (ROA) | 0.7935% | 3,693 |
| Pretax return on assets | 0.9167% | 3,713 |
| Return on Equity (ROE) | 6.4995% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.4995% | 2,248 |
| Net charge-offs to loans | -0.0532% | 4,853 |
| Credit loss provision to net charge-offs | -187.5000% | 3,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8261% | 1,908 |
| Assets per employee ($millions) | 5.7951% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,089 |
| Loan loss allowance to noncurrent loans | 144.7289% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 1.3114% | 989 |
| Noncurrent loans to loans | 1.0964% | 1,517 |
| Net loans and leases to total assets | 73.4618% | 1,903 |
| Net loans and leases to deposits | 86.4171% | 2,083 |
| Net loans and leases to core deposits | 100.9348% | 1,540 |
| Total domestic deposits to total assets | 85.0084% | 2,677 |
| Equity capital to assets | 12.3675% | 1,812 |
| Core capital (leverage) ratio | 12.4087% | 1,556 |
| Tier 1 risk-based capital ratio | 17.3134% | 2,009 |
| Total risk-based capital ratio | 18.5683% | 1,948 |
| Memoranda: | ||
| Average total assets | $81,159,500 | 4,402 |
| Average earning assets | $70,708,000 | 4,475 |
| Average equity | $9,908,500 | 4,339 |
| Average total loans | $60,145,500 | 4,081 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 1,306 |
| Cost of funding earning assets | 1.1585% | 400 |
| Net interest margin | 3.7357% | 2,920 |
| Noninterest income to average assets | 0.3863% | 3,520 |
| Noninterest expense to average assets | 2.4777% | 3,676 |
| Loan and lease loss provision to assets | 0.0767% | 2,595 |
| Net operating income to assets | 1.0338% | 2,868 |
| Return on assets (ROA) | 1.0361% | 2,845 |
| Pretax return on assets | 1.1218% | 3,200 |
| Return on Equity (ROE) | 8.5916% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.7431% | 1,356 |
| Net charge-offs to loans | 0.3670% | 524 |
| Credit loss provision to net charge-offs | 28.7081% | 3,353 |
| Earnings coverage of net charge-offs (x) | 4.4737% | 3,293 |
| Efficiency ratio | 67.4443% | 2,636 |
| Assets per employee ($millions) | 5.4125% | 2,049 |
| Cash dividends to net income (ytd only)* | 9.8765% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,094 |
| Loan loss allowance to noncurrent loans | 195.4167% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 1,242 |
| Noncurrent loans to loans | 0.8036% | 1,994 |
| Net loans and leases to total assets | 72.4143% | 2,189 |
| Net loans and leases to deposits | 84.9360% | 2,416 |
| Net loans and leases to core deposits | 97.8122% | 1,882 |
| Total domestic deposits to total assets | 85.2575% | 2,530 |
| Equity capital to assets | 12.0500% | 1,864 |
| Core capital (leverage) ratio | 12.3065% | 1,557 |
| Tier 1 risk-based capital ratio | 17.0541% | 2,048 |
| Total risk-based capital ratio | 18.3086% | 1,989 |
| Memoranda: | ||
| Average total assets | $78,177,400 | 4,458 |
| Average earning assets | $68,795,200 | 4,516 |
| Average equity | $9,427,800 | 4,393 |
| Average total loans | $56,947,600 | 4,163 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 1,333 |
| Cost of funding earning assets | 1.1144% | 370 |
| Net interest margin | 3.7197% | 2,944 |
| Noninterest income to average assets | 0.3737% | 3,640 |
| Noninterest expense to average assets | 2.5056% | 3,580 |
| Loan and lease loss provision to assets | 0.0775% | 2,407 |
| Net operating income to assets | 1.0042% | 3,063 |
| Return on assets (ROA) | 1.0074% | 3,067 |
| Pretax return on assets | 1.0763% | 3,484 |
| Return on Equity (ROE) | 8.3519% | 3,400 |
| Retained earnings to average equity (ytd only) | 8.3519% | 1,494 |
| Net charge-offs to loans | 0.3792% | 429 |
| Credit loss provision to net charge-offs | 28.1250% | 2,975 |
| Earnings coverage of net charge-offs (x) | 4.1749% | 3,093 |
| Efficiency ratio | 68.5351% | 2,434 |
| Assets per employee ($millions) | 5.7954% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,071 |
| Loan loss allowance to noncurrent loans | 186.5643% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 1,255 |
| Noncurrent loans to loans | 0.8604% | 1,981 |
| Net loans and leases to total assets | 73.4347% | 2,089 |
| Net loans and leases to deposits | 88.3783% | 2,107 |
| Net loans and leases to core deposits | 101.9524% | 1,618 |
| Total domestic deposits to total assets | 83.0914% | 3,274 |
| Equity capital to assets | 11.7987% | 2,032 |
| Core capital (leverage) ratio | 12.4046% | 1,552 |
| Tier 1 risk-based capital ratio | 16.2008% | 2,375 |
| Total risk-based capital ratio | 17.4552% | 2,321 |
| Memoranda: | ||
| Average total assets | $77,425,000 | 4,523 |
| Average earning assets | $68,318,750 | 4,565 |
| Average equity | $9,339,000 | 4,450 |
| Average total loans | $56,252,250 | 4,226 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 1,263 |
| Cost of funding earning assets | 1.0590% | 351 |
| Net interest margin | 3.7361% | 2,807 |
| Noninterest income to average assets | 0.3859% | 3,580 |
| Noninterest expense to average assets | 2.5516% | 3,472 |
| Loan and lease loss provision to assets | 0.0788% | 2,332 |
| Net operating income to assets | 0.9952% | 3,042 |
| Return on assets (ROA) | 1.0002% | 3,019 |
| Pretax return on assets | 1.0579% | 3,483 |
| Return on Equity (ROE) | 8.2281% | 3,406 |
| Retained earnings to average equity (ytd only) | 8.2281% | 1,531 |
| Net charge-offs to loans | 0.5837% | 258 |
| Credit loss provision to net charge-offs | 18.7500% | 2,692 |
| Earnings coverage of net charge-offs (x) | 2.6938% | 2,952 |
| Efficiency ratio | 69.2801% | 2,433 |
| Assets per employee ($millions) | 5.4509% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 906 |
| Loan loss allowance to noncurrent loans | 170.8929% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2580% | 1,130 |
| Noncurrent loans to loans | 0.9944% | 1,758 |
| Net loans and leases to total assets | 72.5417% | 2,189 |
| Net loans and leases to deposits | 85.4462% | 2,384 |
| Net loans and leases to core deposits | 97.0291% | 1,963 |
| Total domestic deposits to total assets | 84.8975% | 2,710 |
| Equity capital to assets | 12.3388% | 1,640 |
| Core capital (leverage) ratio | 12.5131% | 1,431 |
| Tier 1 risk-based capital ratio | 16.9775% | 2,109 |
| Total risk-based capital ratio | 18.2314% | 2,048 |
| Memoranda: | ||
| Average total assets | $76,188,000 | 4,589 |
| Average earning assets | $67,235,670 | 4,638 |
| Average equity | $9,261,000 | 4,501 |
| Average total loans | $54,818,330 | 4,287 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 1,171 |
| Cost of funding earning assets | 0.9979% | 370 |
| Net interest margin | 3.7586% | 2,585 |
| Noninterest income to average assets | 0.4309% | 3,234 |
| Noninterest expense to average assets | 2.6745% | 3,118 |
| Loan and lease loss provision to assets | 0.0788% | 2,199 |
| Net operating income to assets | 0.8838% | 3,359 |
| Return on assets (ROA) | 0.8933% | 3,335 |
| Pretax return on assets | 0.9931% | 3,555 |
| Return on Equity (ROE) | 7.4046% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.4046% | 2,102 |
| Net charge-offs to loans | 0.8951% | 158 |
| Credit loss provision to net charge-offs | 12.3967% | 2,162 |
| Earnings coverage of net charge-offs (x) | 1.6694% | 2,535 |
| Efficiency ratio | 71.5893% | 2,252 |
| Assets per employee ($millions) | 5.3991% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 787 |
| Loan loss allowance to noncurrent loans | 175.4919% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.2687% | 1,173 |
| Noncurrent loans to loans | 1.0254% | 1,784 |
| Net loans and leases to total assets | 70.8221% | 2,358 |
| Net loans and leases to deposits | 82.0002% | 2,596 |
| Net loans and leases to core deposits | 91.8281% | 2,315 |
| Total domestic deposits to total assets | 86.3682% | 2,374 |
| Equity capital to assets | 12.1977% | 1,662 |
| Core capital (leverage) ratio | 12.2204% | 1,515 |
| Tier 1 risk-based capital ratio | 17.3124% | 2,030 |
| Total risk-based capital ratio | 18.5680% | 1,978 |
| Memoranda: | ||
| Average total assets | $76,126,000 | 4,637 |
| Average earning assets | $66,940,000 | 4,694 |
| Average equity | $9,183,500 | 4,562 |
| Average total loans | $54,070,000 | 4,347 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 1,196 |
| Cost of funding earning assets | 0.8830% | 413 |
| Net interest margin | 3.8159% | 2,372 |
| Noninterest income to average assets | 0.0862% | 5,444 |
| Noninterest expense to average assets | 2.4453% | 3,952 |
| Loan and lease loss provision to assets | 0.1669% | 1,317 |
| Net operating income to assets | 0.5196% | 4,326 |
| Return on assets (ROA) | 0.5309% | 4,322 |
| Pretax return on assets | 0.7663% | 4,343 |
| Return on Equity (ROE) | 4.2448% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.3696% | 3,274 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7310% | 2,112 |
| Assets per employee ($millions) | 5.8972% | 1,589 |
| Cash dividends to net income (ytd only)* | 20.6186% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 509 |
| Loan loss allowance to noncurrent loans | 195.5036% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 2,155 |
| Noncurrent loans to loans | 1.0368% | 1,716 |
| Net loans and leases to total assets | 68.5315% | 2,745 |
| Net loans and leases to deposits | 79.1512% | 3,009 |
| Net loans and leases to core deposits | 85.7584% | 2,927 |
| Total domestic deposits to total assets | 86.5830% | 2,198 |
| Equity capital to assets | 11.9313% | 1,881 |
| Core capital (leverage) ratio | 12.1731% | 1,515 |
| Tier 1 risk-based capital ratio | 17.2105% | 2,024 |
| Total risk-based capital ratio | 18.4687% | 1,974 |
| Memoranda: | ||
| Average total assets | $73,079,600 | 4,725 |
| Average earning assets | $62,737,600 | 4,808 |
| Average equity | $9,140,600 | 4,589 |
| Average total loans | $48,373,000 | 4,503 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 1,120 |
| Cost of funding earning assets | 0.8586% | 433 |
| Net interest margin | 3.8475% | 2,233 |
| Noninterest income to average assets | 0.4156% | 3,588 |
| Noninterest expense to average assets | 2.2221% | 4,480 |
| Loan and lease loss provision to assets | 0.1699% | 1,189 |
| Net operating income to assets | 1.0263% | 2,433 |
| Return on assets (ROA) | 1.0436% | 2,396 |
| Pretax return on assets | 1.3317% | 2,356 |
| Return on Equity (ROE) | 8.2428% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.2428% | 1,112 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0299% | 4,209 |
| Assets per employee ($millions) | 5.6582% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1879% | 418 |
| Loan loss allowance to noncurrent loans | 319.3353% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 3,231 |
| Noncurrent loans to loans | 0.6851% | 2,654 |
| Net loans and leases to total assets | 64.2422% | 3,357 |
| Net loans and leases to deposits | 74.9992% | 3,472 |
| Net loans and leases to core deposits | 81.6837% | 3,312 |
| Total domestic deposits to total assets | 85.6572% | 2,451 |
| Equity capital to assets | 12.8977% | 1,441 |
| Core capital (leverage) ratio | 12.8753% | 1,262 |
| Tier 1 risk-based capital ratio | 18.9197% | 1,614 |
| Total risk-based capital ratio | 20.1786% | 1,567 |
| Memoranda: | ||
| Average total assets | $72,183,500 | 4,787 |
| Average earning assets | $61,648,750 | 4,875 |
| Average equity | $9,139,000 | 4,639 |
| Average total loans | $47,059,750 | 4,580 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 1,096 |
| Cost of funding earning assets | 0.8264% | 459 |
| Net interest margin | 3.8521% | 2,088 |
| Noninterest income to average assets | 0.3764% | 3,864 |
| Noninterest expense to average assets | 2.2391% | 4,479 |
| Loan and lease loss provision to assets | 0.1729% | 1,113 |
| Net operating income to assets | 0.9753% | 2,548 |
| Return on assets (ROA) | 1.0010% | 2,462 |
| Pretax return on assets | 1.2994% | 2,386 |
| Return on Equity (ROE) | 7.9574% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.9574% | 1,184 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8795% | 4,184 |
| Assets per employee ($millions) | 5.5617% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1552% | 463 |
| Loan loss allowance to noncurrent loans | 419.1837% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,762 |
| Noncurrent loans to loans | 0.5141% | 3,213 |
| Net loans and leases to total assets | 64.4878% | 3,316 |
| Net loans and leases to deposits | 74.0730% | 3,539 |
| Net loans and leases to core deposits | 78.7694% | 3,523 |
| Total domestic deposits to total assets | 87.0598% | 1,923 |
| Equity capital to assets | 12.8627% | 1,437 |
| Core capital (leverage) ratio | 12.8405% | 1,245 |
| Tier 1 risk-based capital ratio | 18.7242% | 1,660 |
| Total risk-based capital ratio | 19.9837% | 1,621 |
| Memoranda: | ||
| Average total assets | $71,726,000 | 4,829 |
| Average earning assets | $61,473,000 | 4,911 |
| Average equity | $9,023,000 | 4,675 |
| Average total loans | $46,642,670 | 4,616 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 1,189 |
| Cost of funding earning assets | 0.7979% | 492 |
| Net interest margin | 3.7804% | 2,184 |
| Noninterest income to average assets | 0.3192% | 4,269 |
| Noninterest expense to average assets | 2.2845% | 4,443 |
| Loan and lease loss provision to assets | 0.1792% | 972 |
| Net operating income to assets | 0.7172% | 3,626 |
| Return on assets (ROA) | 0.7615% | 3,470 |
| Pretax return on assets | 1.1590% | 2,748 |
| Return on Equity (ROE) | 6.1230% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.1230% | 2,272 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2520% | 3,787 |
| Assets per employee ($millions) | 5.4256% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 541 |
| Loan loss allowance to noncurrent loans | 262.2642% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 3,129 |
| Noncurrent loans to loans | 0.8041% | 2,439 |
| Net loans and leases to total assets | 64.0339% | 3,270 |
| Net loans and leases to deposits | 73.4796% | 3,454 |
| Net loans and leases to core deposits | 77.7233% | 3,495 |
| Total domestic deposits to total assets | 87.1450% | 2,138 |
| Equity capital to assets | 12.7231% | 1,390 |
| Core capital (leverage) ratio | 12.5908% | 1,292 |
| Tier 1 risk-based capital ratio | 18.7937% | 1,664 |
| Total risk-based capital ratio | 20.0515% | 1,620 |
| Memoranda: | ||
| Average total assets | $71,438,000 | 4,888 |
| Average earning assets | $61,157,500 | 4,969 |
| Average equity | $8,884,500 | 4,737 |
| Average total loans | $46,137,500 | 4,671 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 1,111 |
| Cost of funding earning assets | 0.7897% | 533 |
| Net interest margin | 3.8829% | 2,018 |
| Noninterest income to average assets | 0.5311% | 3,024 |
| Noninterest expense to average assets | 2.1389% | 4,917 |
| Loan and lease loss provision to assets | 0.2177% | 1,018 |
| Net operating income to assets | 1.0435% | 2,167 |
| Return on assets (ROA) | 1.0375% | 2,295 |
| Pretax return on assets | 1.5193% | 1,532 |
| Return on Equity (ROE) | 8.2046% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.2866% | 1,120 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0616% | 5,145 |
| Assets per employee ($millions) | 6.0286% | 1,461 |
| Cash dividends to net income (ytd only)* | 11.1888% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 605 |
| Loan loss allowance to noncurrent loans | 280.0595% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 3,399 |
| Noncurrent loans to loans | 0.7283% | 2,712 |
| Net loans and leases to total assets | 62.4746% | 3,550 |
| Net loans and leases to deposits | 71.2680% | 3,783 |
| Net loans and leases to core deposits | 74.6277% | 3,867 |
| Total domestic deposits to total assets | 87.6616% | 1,806 |
| Equity capital to assets | 12.1574% | 1,701 |
| Core capital (leverage) ratio | 12.7324% | 1,239 |
| Tier 1 risk-based capital ratio | 18.6758% | 1,682 |
| Total risk-based capital ratio | 19.9345% | 1,648 |
| Memoranda: | ||
| Average total assets | $68,913,400 | 4,956 |
| Average earning assets | $59,516,800 | 5,032 |
| Average equity | $8,714,600 | 4,800 |
| Average total loans | $44,190,200 | 4,744 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,132 |
| Cost of funding earning assets | 0.7973% | 515 |
| Net interest margin | 3.8736% | 2,073 |
| Noninterest income to average assets | 0.5329% | 3,032 |
| Noninterest expense to average assets | 2.1570% | 4,875 |
| Loan and lease loss provision to assets | 0.2214% | 932 |
| Net operating income to assets | 0.9852% | 2,498 |
| Return on assets (ROA) | 0.9776% | 2,660 |
| Pretax return on assets | 1.5026% | 1,707 |
| Return on Equity (ROE) | 7.6522% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.6522% | 1,338 |
| Net charge-offs to loans | 0.0030% | 3,828 |
| Credit loss provision to net charge-offs | 11,300.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 888.1955% | 101 |
| Efficiency ratio | 55.4102% | 5,116 |
| Assets per employee ($millions) | 5.7278% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 711 |
| Loan loss allowance to noncurrent loans | 312.4567% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 3,743 |
| Noncurrent loans to loans | 0.6452% | 3,088 |
| Net loans and leases to total assets | 63.8500% | 3,422 |
| Net loans and leases to deposits | 73.6528% | 3,629 |
| Net loans and leases to core deposits | 77.4700% | 3,707 |
| Total domestic deposits to total assets | 86.6905% | 2,038 |
| Equity capital to assets | 13.0330% | 1,475 |
| Core capital (leverage) ratio | 12.6928% | 1,313 |
| Tier 1 risk-based capital ratio | 19.3095% | 1,597 |
| Total risk-based capital ratio | 20.5668% | 1,556 |
| Memoranda: | ||
| Average total assets | $68,056,000 | 5,020 |
| Average earning assets | $59,030,000 | 5,091 |
| Average equity | $8,694,500 | 4,856 |
| Average total loans | $43,703,500 | 4,794 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 994 |
| Cost of funding earning assets | 0.8019% | 486 |
| Net interest margin | 3.9238% | 1,901 |
| Noninterest income to average assets | 0.5307% | 3,000 |
| Noninterest expense to average assets | 2.1849% | 4,876 |
| Loan and lease loss provision to assets | 0.2211% | 937 |
| Net operating income to assets | 0.9906% | 2,432 |
| Return on assets (ROA) | 0.9789% | 2,624 |
| Pretax return on assets | 1.4831% | 1,730 |
| Return on Equity (ROE) | 7.7149% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.7149% | 1,282 |
| Net charge-offs to loans | 0.0046% | 3,545 |
| Credit loss provision to net charge-offs | 7,500.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 584.0000% | 111 |
| Efficiency ratio | 55.9245% | 5,153 |
| Assets per employee ($millions) | 5.6686% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0393% | 687 |
| Loan loss allowance to noncurrent loans | 994.2529% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,993 |
| Noncurrent loans to loans | 0.2051% | 4,623 |
| Net loans and leases to total assets | 61.0852% | 3,741 |
| Net loans and leases to deposits | 70.3961% | 3,950 |
| Net loans and leases to core deposits | 74.0809% | 3,974 |
| Total domestic deposits to total assets | 86.7736% | 2,024 |
| Equity capital to assets | 12.9442% | 1,537 |
| Core capital (leverage) ratio | 12.5367% | 1,334 |
| Tier 1 risk-based capital ratio | 20.4487% | 1,358 |
| Total risk-based capital ratio | 21.7080% | 1,335 |
| Memoranda: | ||
| Average total assets | $67,830,330 | 5,072 |
| Average earning assets | $58,361,670 | 5,155 |
| Average equity | $8,606,670 | 4,905 |
| Average total loans | $43,341,670 | 4,850 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 1,034 |
| Cost of funding earning assets | 0.7938% | 503 |
| Net interest margin | 3.9143% | 1,896 |
| Noninterest income to average assets | 0.5197% | 2,990 |
| Noninterest expense to average assets | 2.1319% | 5,048 |
| Loan and lease loss provision to assets | 0.2244% | 836 |
| Net operating income to assets | 0.9735% | 2,401 |
| Return on assets (ROA) | 0.9508% | 2,624 |
| Pretax return on assets | 1.5059% | 1,563 |
| Return on Equity (ROE) | 7.5698% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.5698% | 1,634 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6970% | 5,313 |
| Assets per employee ($millions) | 5.6520% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 922 |
| Loan loss allowance to noncurrent loans | 131.7965% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 2,387 |
| Noncurrent loans to loans | 1.4656% | 1,607 |
| Net loans and leases to total assets | 62.0547% | 3,516 |
| Net loans and leases to deposits | 71.3852% | 3,709 |
| Net loans and leases to core deposits | 75.1249% | 3,774 |
| Total domestic deposits to total assets | 86.9294% | 2,240 |
| Equity capital to assets | 12.6931% | 1,565 |
| Core capital (leverage) ratio | 12.4513% | 1,354 |
| Tier 1 risk-based capital ratio | 19.7317% | 1,562 |
| Total risk-based capital ratio | 20.9882% | 1,525 |
| Memoranda: | ||
| Average total assets | $67,734,000 | 5,122 |
| Average earning assets | $58,453,000 | 5,202 |
| Average equity | $8,507,500 | 4,952 |
| Average total loans | $43,804,000 | 4,874 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 1,264 |
| Cost of funding earning assets | 0.8028% | 482 |
| Net interest margin | 3.8250% | 2,286 |
| Noninterest income to average assets | 0.3932% | 4,080 |
| Noninterest expense to average assets | 2.1227% | 5,207 |
| Loan and lease loss provision to assets | 0.2286% | 874 |
| Net operating income to assets | 0.9581% | 2,583 |
| Return on assets (ROA) | 0.9692% | 2,602 |
| Pretax return on assets | 1.4781% | 1,626 |
| Return on Equity (ROE) | 7.7658% | 3,098 |
| Retained earnings to average equity (ytd only) | 6.7889% | 1,383 |
| Net charge-offs to loans | 0.0442% | 3,329 |
| Credit loss provision to net charge-offs | 789.4737% | 430 |
| Earnings coverage of net charge-offs (x) | 58.3684% | 889 |
| Efficiency ratio | 55.6755% | 5,378 |
| Assets per employee ($millions) | 5.6370% | 1,672 |
| Cash dividends to net income (ytd only)* | 12.5786% | 4,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 1,193 |
| Loan loss allowance to noncurrent loans | 77.6251% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6025% | 1,232 |
| Noncurrent loans to loans | 2.2801% | 845 |
| Net loans and leases to total assets | 64.8986% | 3,137 |
| Net loans and leases to deposits | 74.4068% | 3,447 |
| Net loans and leases to core deposits | 77.6579% | 3,587 |
| Total domestic deposits to total assets | 87.2213% | 2,022 |
| Equity capital to assets | 12.4268% | 1,656 |
| Core capital (leverage) ratio | 12.2887% | 1,457 |
| Tier 1 risk-based capital ratio | 18.9386% | 1,716 |
| Total risk-based capital ratio | 20.1938% | 1,677 |
| Memoranda: | ||
| Average total assets | $65,622,800 | 5,189 |
| Average earning assets | $58,667,400 | 5,222 |
| Average equity | $8,189,800 | 5,026 |
| Average total loans | $42,976,000 | 4,895 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,339 |
| Cost of funding earning assets | 0.8043% | 480 |
| Net interest margin | 3.7919% | 2,420 |
| Noninterest income to average assets | 0.3890% | 4,160 |
| Noninterest expense to average assets | 2.1069% | 5,258 |
| Loan and lease loss provision to assets | 0.2314% | 789 |
| Net operating income to assets | 0.9685% | 2,628 |
| Return on assets (ROA) | 0.9685% | 2,713 |
| Pretax return on assets | 1.4681% | 1,768 |
| Return on Equity (ROE) | 7.7516% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.7516% | 1,358 |
| Net charge-offs to loans | 0.0627% | 2,696 |
| Credit loss provision to net charge-offs | 565.0000% | 595 |
| Earnings coverage of net charge-offs (x) | 41.4938% | 1,205 |
| Efficiency ratio | 55.3523% | 5,419 |
| Assets per employee ($millions) | 5.4971% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 1,447 |
| Loan loss allowance to noncurrent loans | 75.5266% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 1,487 |
| Noncurrent loans to loans | 2.2677% | 954 |
| Net loans and leases to total assets | 65.5090% | 3,086 |
| Net loans and leases to deposits | 75.2709% | 3,392 |
| Net loans and leases to core deposits | 79.1853% | 3,491 |
| Total domestic deposits to total assets | 87.0310% | 2,028 |
| Equity capital to assets | 12.6855% | 1,625 |
| Core capital (leverage) ratio | 12.3729% | 1,479 |
| Tier 1 risk-based capital ratio | 18.8942% | 1,800 |
| Total risk-based capital ratio | 20.1497% | 1,765 |
| Memoranda: | ||
| Average total assets | $65,117,500 | 5,267 |
| Average earning assets | $58,685,000 | 5,283 |
| Average equity | $8,135,750 | 5,099 |
| Average total loans | $42,547,250 | 4,968 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 1,297 |
| Cost of funding earning assets | 0.8009% | 500 |
| Net interest margin | 3.7932% | 2,345 |
| Noninterest income to average assets | 0.3609% | 4,358 |
| Noninterest expense to average assets | 2.1254% | 5,284 |
| Loan and lease loss provision to assets | 0.2314% | 797 |
| Net operating income to assets | 0.9655% | 2,561 |
| Return on assets (ROA) | 0.9655% | 2,668 |
| Pretax return on assets | 1.4375% | 1,841 |
| Return on Equity (ROE) | 7.7684% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.7684% | 1,358 |
| Net charge-offs to loans | 0.1379% | 1,675 |
| Credit loss provision to net charge-offs | 258.6207% | 1,026 |
| Earnings coverage of net charge-offs (x) | 18.6552% | 1,795 |
| Efficiency ratio | 56.0163% | 5,428 |
| Assets per employee ($millions) | 5.3532% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 1,844 |
| Loan loss allowance to noncurrent loans | 153.1453% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 3,239 |
| Noncurrent loans to loans | 1.0582% | 2,527 |
| Net loans and leases to total assets | 66.7206% | 2,835 |
| Net loans and leases to deposits | 76.6617% | 3,196 |
| Net loans and leases to core deposits | 80.6868% | 3,309 |
| Total domestic deposits to total assets | 87.0326% | 2,150 |
| Equity capital to assets | 12.7246% | 1,528 |
| Core capital (leverage) ratio | 12.2322% | 1,522 |
| Tier 1 risk-based capital ratio | 19.3302% | 1,715 |
| Total risk-based capital ratio | 20.5849% | 1,680 |
| Memoranda: | ||
| Average total assets | $64,835,000 | 5,327 |
| Average earning assets | $58,684,670 | 5,341 |
| Average equity | $8,058,330 | 5,150 |
| Average total loans | $42,074,330 | 5,028 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,325 |
| Cost of funding earning assets | 0.7989% | 504 |
| Net interest margin | 3.7554% | 2,410 |
| Noninterest income to average assets | 0.3746% | 4,203 |
| Noninterest expense to average assets | 1.9959% | 5,585 |
| Loan and lease loss provision to assets | 0.2334% | 739 |
| Net operating income to assets | 1.0502% | 2,033 |
| Return on assets (ROA) | 1.0502% | 2,178 |
| Pretax return on assets | 1.5230% | 1,491 |
| Return on Equity (ROE) | 8.5495% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.5495% | 1,360 |
| Net charge-offs to loans | 0.4452% | 558 |
| Credit loss provision to net charge-offs | 82.6087% | 1,805 |
| Earnings coverage of net charge-offs (x) | 6.2174% | 2,317 |
| Efficiency ratio | 53.1915% | 5,737 |
| Assets per employee ($millions) | 5.3432% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 2,171 |
| Loan loss allowance to noncurrent loans | 150.5774% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 3,465 |
| Noncurrent loans to loans | 1.0399% | 2,684 |
| Net loans and leases to total assets | 63.9228% | 3,097 |
| Net loans and leases to deposits | 73.5096% | 3,368 |
| Net loans and leases to core deposits | 76.6566% | 3,527 |
| Total domestic deposits to total assets | 86.9584% | 2,395 |
| Equity capital to assets | 12.6579% | 1,594 |
| Core capital (leverage) ratio | 12.0789% | 1,589 |
| Tier 1 risk-based capital ratio | 20.0225% | 1,611 |
| Total risk-based capital ratio | 21.2767% | 1,580 |
| Memoranda: | ||
| Average total assets | $65,133,500 | 5,373 |
| Average earning assets | $58,583,000 | 5,399 |
| Average equity | $8,000,500 | 5,212 |
| Average total loans | $41,328,500 | 5,091 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 1,553 |
| Cost of funding earning assets | 0.8572% | 486 |
| Net interest margin | 3.7450% | 2,824 |
| Noninterest income to average assets | 0.3726% | 4,404 |
| Noninterest expense to average assets | 1.9903% | 5,780 |
| Loan and lease loss provision to assets | 0.3264% | 599 |
| Net operating income to assets | 0.9490% | 2,636 |
| Return on assets (ROA) | 0.9490% | 2,722 |
| Pretax return on assets | 1.3741% | 1,982 |
| Return on Equity (ROE) | 7.8269% | 3,220 |
| Retained earnings to average equity (ytd only) | 6.7763% | 1,504 |
| Net charge-offs to loans | 0.4912% | 842 |
| Credit loss provision to net charge-offs | 110.2151% | 2,166 |
| Earnings coverage of net charge-offs (x) | 5.7419% | 3,365 |
| Efficiency ratio | 53.9258% | 5,849 |
| Assets per employee ($millions) | 6.0135% | 1,367 |
| Cash dividends to net income (ytd only)* | 13.4228% | 4,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 2,059 |
| Loan loss allowance to noncurrent loans | 67.6230% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4755% | 1,862 |
| Noncurrent loans to loans | 2.3794% | 1,087 |
| Net loans and leases to total assets | 61.0123% | 3,635 |
| Net loans and leases to deposits | 69.4755% | 3,979 |
| Net loans and leases to core deposits | 72.4513% | 4,078 |
| Total domestic deposits to total assets | 87.8184% | 1,862 |
| Equity capital to assets | 11.9201% | 2,070 |
| Core capital (leverage) ratio | 12.1022% | 1,560 |
| Tier 1 risk-based capital ratio | 20.3154% | 1,530 |
| Total risk-based capital ratio | 21.5712% | 1,499 |
| Memoranda: | ||
| Average total assets | $62,804,000 | 5,477 |
| Average earning assets | $55,648,200 | 5,528 |
| Average equity | $7,614,800 | 5,292 |
| Average total loans | $37,862,600 | 5,261 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 1,429 |
| Cost of funding earning assets | 0.8700% | 487 |
| Net interest margin | 3.7813% | 2,686 |
| Noninterest income to average assets | 0.2991% | 5,061 |
| Noninterest expense to average assets | 1.9601% | 5,845 |
| Loan and lease loss provision to assets | 0.2905% | 686 |
| Net operating income to assets | 0.9811% | 2,539 |
| Return on assets (ROA) | 0.9811% | 2,608 |
| Pretax return on assets | 1.3964% | 2,021 |
| Return on Equity (ROE) | 8.0556% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.0556% | 1,335 |
| Net charge-offs to loans | 0.6617% | 538 |
| Credit loss provision to net charge-offs | 73.3696% | 2,705 |
| Earnings coverage of net charge-offs (x) | 4.2608% | 3,498 |
| Efficiency ratio | 53.7463% | 5,845 |
| Assets per employee ($millions) | 6.1749% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 2,511 |
| Loan loss allowance to noncurrent loans | 73.0864% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 2,361 |
| Noncurrent loans to loans | 2.1170% | 1,477 |
| Net loans and leases to total assets | 61.0034% | 3,626 |
| Net loans and leases to deposits | 70.0923% | 3,908 |
| Net loans and leases to core deposits | 73.3416% | 4,014 |
| Total domestic deposits to total assets | 87.0330% | 2,302 |
| Equity capital to assets | 12.6966% | 1,586 |
| Core capital (leverage) ratio | 12.3142% | 1,507 |
| Tier 1 risk-based capital ratio | 21.2342% | 1,401 |
| Total risk-based capital ratio | 22.4890% | 1,376 |
| Memoranda: | ||
| Average total assets | $61,967,750 | 5,564 |
| Average earning assets | $54,865,250 | 5,618 |
| Average equity | $7,547,250 | 5,345 |
| Average total loans | $37,073,500 | 5,342 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 1,395 |
| Cost of funding earning assets | 0.8846% | 466 |
| Net interest margin | 3.7670% | 2,683 |
| Noninterest income to average assets | 0.2353% | 5,518 |
| Noninterest expense to average assets | 1.9890% | 5,857 |
| Loan and lease loss provision to assets | 0.2901% | 683 |
| Net operating income to assets | 0.8994% | 2,811 |
| Return on assets (ROA) | 0.8994% | 2,905 |
| Pretax return on assets | 1.2508% | 2,450 |
| Return on Equity (ROE) | 7.4903% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.4903% | 1,525 |
| Net charge-offs to loans | 1.0033% | 356 |
| Credit loss provision to net charge-offs | 48.9130% | 2,808 |
| Earnings coverage of net charge-offs (x) | 2.5978% | 3,515 |
| Efficiency ratio | 56.3470% | 5,709 |
| Assets per employee ($millions) | 6.2237% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 3,024 |
| Loan loss allowance to noncurrent loans | 53.1584% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.6534% | 1,970 |
| Noncurrent loans to loans | 2.7655% | 1,085 |
| Net loans and leases to total assets | 58.9071% | 3,878 |
| Net loans and leases to deposits | 67.3835% | 4,126 |
| Net loans and leases to core deposits | 70.4673% | 4,223 |
| Total domestic deposits to total assets | 87.4207% | 2,234 |
| Equity capital to assets | 12.3126% | 1,765 |
| Core capital (leverage) ratio | 11.9525% | 1,683 |
| Tier 1 risk-based capital ratio | 21.1862% | 1,414 |
| Total risk-based capital ratio | 22.4395% | 1,388 |
| Memoranda: | ||
| Average total assets | $62,040,670 | 5,612 |
| Average earning assets | $54,261,330 | 5,681 |
| Average equity | $7,449,670 | 5,389 |
| Average total loans | $36,677,670 | 5,392 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 1,135 |
| Cost of funding earning assets | 0.9002% | 451 |
| Net interest margin | 3.8557% | 2,252 |
| Noninterest income to average assets | 0.1162% | 6,269 |
| Noninterest expense to average assets | 1.9760% | 5,932 |
| Loan and lease loss provision to assets | 0.2906% | 677 |
| Net operating income to assets | 0.8007% | 3,153 |
| Return on assets (ROA) | 0.8007% | 3,231 |
| Pretax return on assets | 1.1688% | 2,623 |
| Return on Equity (ROE) | 6.7547% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.7547% | 2,163 |
| Net charge-offs to loans | 1.3292% | 244 |
| Credit loss provision to net charge-offs | 37.1901% | 2,329 |
| Earnings coverage of net charge-offs (x) | 1.8678% | 3,005 |
| Efficiency ratio | 57.5188% | 5,700 |
| Assets per employee ($millions) | 6.1418% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 2,871 |
| Loan loss allowance to noncurrent loans | 54.9077% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.9929% | 1,720 |
| Noncurrent loans to loans | 2.8461% | 1,149 |
| Net loans and leases to total assets | 57.9472% | 3,848 |
| Net loans and leases to deposits | 66.0971% | 4,082 |
| Net loans and leases to core deposits | 69.1511% | 4,187 |
| Total domestic deposits to total assets | 87.6697% | 2,423 |
| Equity capital to assets | 12.1056% | 1,802 |
| Core capital (leverage) ratio | 11.8232% | 1,751 |
| Tier 1 risk-based capital ratio | 20.8560% | 1,500 |
| Total risk-based capital ratio | 22.1130% | 1,473 |
| Memoranda: | ||
| Average total assets | $61,942,500 | 5,664 |
| Average earning assets | $53,323,500 | 5,754 |
| Average equity | $7,343,000 | 5,440 |
| Average total loans | $36,412,000 | 5,447 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 1,921 |
| Cost of funding earning assets | 0.9531% | 567 |
| Net interest margin | 3.6306% | 3,328 |
| Noninterest income to average assets | 0.5847% | 3,186 |
| Noninterest expense to average assets | 1.9408% | 6,121 |
| Loan and lease loss provision to assets | 0.3603% | 869 |
| Net operating income to assets | 1.0302% | 2,201 |
| Return on assets (ROA) | 1.0302% | 2,264 |
| Pretax return on assets | 1.4904% | 1,473 |
| Return on Equity (ROE) | 8.7891% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.6712% | 1,163 |
| Net charge-offs to loans | 0.3535% | 1,911 |
| Credit loss provision to net charge-offs | 170.5426% | 1,339 |
| Earnings coverage of net charge-offs (x) | 8.7597% | 2,614 |
| Efficiency ratio | 51.1879% | 6,354 |
| Assets per employee ($millions) | 6.2467% | 1,114 |
| Cash dividends to net income (ytd only)* | 12.7186% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 2,241 |
| Loan loss allowance to noncurrent loans | 47.2366% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.6046% | 1,304 |
| Noncurrent loans to loans | 3.7007% | 818 |
| Net loans and leases to total assets | 57.6753% | 4,087 |
| Net loans and leases to deposits | 65.4507% | 4,359 |
| Net loans and leases to core deposits | 67.9876% | 4,517 |
| Total domestic deposits to total assets | 88.1201% | 2,106 |
| Equity capital to assets | 11.6077% | 2,091 |
| Core capital (leverage) ratio | 11.8102% | 1,748 |
| Tier 1 risk-based capital ratio | 20.6207% | 1,507 |
| Total risk-based capital ratio | 21.8764% | 1,483 |
| Memoranda: | ||
| Average total assets | $61,058,600 | 5,729 |
| Average earning assets | $53,930,400 | 5,768 |
| Average equity | $7,156,600 | 5,535 |
| Average total loans | $36,495,200 | 5,477 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,047 |
| Cost of funding earning assets | 0.9593% | 608 |
| Net interest margin | 3.5882% | 3,502 |
| Noninterest income to average assets | 0.6523% | 2,875 |
| Noninterest expense to average assets | 1.9262% | 6,143 |
| Loan and lease loss provision to assets | 0.3338% | 987 |
| Net operating income to assets | 1.0850% | 2,067 |
| Return on assets (ROA) | 1.0850% | 2,147 |
| Pretax return on assets | 1.5879% | 1,362 |
| Return on Equity (ROE) | 9.2338% | 2,522 |
| Retained earnings to average equity (ytd only) | 9.2338% | 987 |
| Net charge-offs to loans | 0.3182% | 1,951 |
| Credit loss provision to net charge-offs | 174.7126% | 1,374 |
| Earnings coverage of net charge-offs (x) | 10.0572% | 2,401 |
| Efficiency ratio | 50.0571% | 6,397 |
| Assets per employee ($millions) | 6.7320% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 2,700 |
| Loan loss allowance to noncurrent loans | 45.3206% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 2.6936% | 1,401 |
| Noncurrent loans to loans | 3.7018% | 998 |
| Net loans and leases to total assets | 59.4887% | 3,779 |
| Net loans and leases to deposits | 67.6407% | 4,109 |
| Net loans and leases to core deposits | 70.3498% | 4,287 |
| Total domestic deposits to total assets | 87.9481% | 2,162 |
| Equity capital to assets | 11.8901% | 1,988 |
| Core capital (leverage) ratio | 11.8234% | 1,795 |
| Tier 1 risk-based capital ratio | 20.9201% | 1,507 |
| Total risk-based capital ratio | 22.1775% | 1,483 |
| Memoranda: | ||
| Average total assets | $60,706,500 | 5,800 |
| Average earning assets | $54,064,250 | 5,823 |
| Average equity | $7,133,000 | 5,600 |
| Average total loans | $36,451,750 | 5,534 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 2,098 |
| Cost of funding earning assets | 0.9626% | 666 |
| Net interest margin | 3.5639% | 3,509 |
| Noninterest income to average assets | 0.6420% | 2,957 |
| Noninterest expense to average assets | 1.9425% | 6,145 |
| Loan and lease loss provision to assets | 0.2799% | 1,311 |
| Net operating income to assets | 1.0437% | 2,137 |
| Return on assets (ROA) | 1.0437% | 2,259 |
| Pretax return on assets | 1.6133% | 1,329 |
| Return on Equity (ROE) | 8.9179% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.9179% | 1,157 |
| Net charge-offs to loans | 0.4947% | 1,319 |
| Credit loss provision to net charge-offs | 94.4444% | 2,344 |
| Earnings coverage of net charge-offs (x) | 6.3889% | 2,725 |
| Efficiency ratio | 50.6438% | 6,376 |
| Assets per employee ($millions) | 5.9802% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,642 |
| Loan loss allowance to noncurrent loans | 46.4621% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 2.4213% | 1,754 |
| Noncurrent loans to loans | 3.2007% | 1,375 |
| Net loans and leases to total assets | 60.3709% | 3,595 |
| Net loans and leases to deposits | 68.8004% | 3,890 |
| Net loans and leases to core deposits | 71.9728% | 4,045 |
| Total domestic deposits to total assets | 87.7479% | 2,417 |
| Equity capital to assets | 12.1284% | 1,827 |
| Core capital (leverage) ratio | 11.5715% | 1,879 |
| Tier 1 risk-based capital ratio | 20.9177% | 1,509 |
| Total risk-based capital ratio | 22.1710% | 1,484 |
| Memoranda: | ||
| Average total assets | $60,746,000 | 5,840 |
| Average earning assets | $54,435,000 | 5,848 |
| Average equity | $7,109,330 | 5,655 |
| Average total loans | $36,383,000 | 5,562 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 2,025 |
| Cost of funding earning assets | 0.9773% | 685 |
| Net interest margin | 3.5617% | 3,424 |
| Noninterest income to average assets | 0.6403% | 2,931 |
| Noninterest expense to average assets | 1.8295% | 6,398 |
| Loan and lease loss provision to assets | 0.2483% | 1,454 |
| Net operating income to assets | 1.1435% | 1,708 |
| Return on assets (ROA) | 1.1435% | 1,821 |
| Pretax return on assets | 1.7773% | 925 |
| Return on Equity (ROE) | 9.9467% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.9467% | 1,118 |
| Net charge-offs to loans | 0.8938% | 680 |
| Credit loss provision to net charge-offs | 46.9136% | 2,646 |
| Earnings coverage of net charge-offs (x) | 3.8272% | 2,668 |
| Efficiency ratio | 47.4576% | 6,632 |
| Assets per employee ($millions) | 6.7318% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 4,246 |
| Loan loss allowance to noncurrent loans | 37.3618% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 2.6937% | 1,682 |
| Noncurrent loans to loans | 3.7408% | 1,246 |
| Net loans and leases to total assets | 59.0384% | 3,601 |
| Net loans and leases to deposits | 67.2375% | 3,880 |
| Net loans and leases to core deposits | 70.2869% | 4,044 |
| Total domestic deposits to total assets | 87.8058% | 2,453 |
| Equity capital to assets | 11.7502% | 2,216 |
| Core capital (leverage) ratio | 11.1207% | 2,161 |
| Tier 1 risk-based capital ratio | 19.7108% | 1,846 |
| Total risk-based capital ratio | 20.9425% | 1,825 |
| Memoranda: | ||
| Average total assets | $61,218,000 | 5,878 |
| Average earning assets | $55,254,000 | 5,866 |
| Average equity | $7,037,500 | 5,734 |
| Average total loans | $36,250,500 | 5,609 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 3,133 |
| Cost of funding earning assets | 1.2477% | 467 |
| Net interest margin | 3.3202% | 5,181 |
| Noninterest income to average assets | 0.4131% | 4,504 |
| Noninterest expense to average assets | 1.9128% | 6,479 |
| Loan and lease loss provision to assets | 0.2234% | 2,892 |
| Net operating income to assets | 0.7742% | 3,394 |
| Return on assets (ROA) | 0.7742% | 3,646 |
| Pretax return on assets | 1.2310% | 2,678 |
| Return on Equity (ROE) | 6.7854% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.6079% | 2,307 |
| Net charge-offs to loans | 0.0951% | 4,716 |
| Credit loss provision to net charge-offs | 415.6250% | 582 |
| Earnings coverage of net charge-offs (x) | 27.0625% | 1,079 |
| Efficiency ratio | 56.8080% | 5,971 |
| Assets per employee ($millions) | 6.8722% | 818 |
| Cash dividends to net income (ytd only)* | 17.3536% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,666 |
| Loan loss allowance to noncurrent loans | 33.4753% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 2.7292% | 1,771 |
| Noncurrent loans to loans | 4.5355% | 938 |
| Net loans and leases to total assets | 57.6799% | 4,031 |
| Net loans and leases to deposits | 65.3688% | 4,375 |
| Net loans and leases to core deposits | 68.3796% | 4,496 |
| Total domestic deposits to total assets | 88.2377% | 2,072 |
| Equity capital to assets | 11.2466% | 2,690 |
| Core capital (leverage) ratio | 10.9778% | 2,275 |
| Tier 1 risk-based capital ratio | 19.4900% | 1,815 |
| Total risk-based capital ratio | 20.7459% | 1,784 |
| Memoranda: | ||
| Average total assets | $59,546,600 | 5,933 |
| Average earning assets | $52,978,600 | 5,956 |
| Average equity | $6,794,000 | 5,820 |
| Average total loans | $33,631,400 | 5,771 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 3,157 |
| Cost of funding earning assets | 1.3032% | 430 |
| Net interest margin | 3.3090% | 5,358 |
| Noninterest income to average assets | 0.3753% | 4,823 |
| Noninterest expense to average assets | 1.9286% | 6,473 |
| Loan and lease loss provision to assets | 0.2148% | 2,917 |
| Net operating income to assets | 0.7325% | 3,765 |
| Return on assets (ROA) | 0.7325% | 4,014 |
| Pretax return on assets | 1.1712% | 3,093 |
| Return on Equity (ROE) | 6.3965% | 4,119 |
| Retained earnings to average equity (ytd only) | 6.3965% | 2,434 |
| Net charge-offs to loans | 0.1294% | 4,083 |
| Credit loss provision to net charge-offs | 296.8750% | 912 |
| Earnings coverage of net charge-offs (x) | 19.1542% | 1,512 |
| Efficiency ratio | 58.1855% | 5,763 |
| Assets per employee ($millions) | 6.7272% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 3,988 |
| Loan loss allowance to noncurrent loans | 33.4859% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 2.5997% | 2,031 |
| Noncurrent loans to loans | 4.4536% | 1,066 |
| Net loans and leases to total assets | 55.8593% | 4,479 |
| Net loans and leases to deposits | 64.0130% | 4,709 |
| Net loans and leases to core deposits | 67.1872% | 4,817 |
| Total domestic deposits to total assets | 87.2624% | 2,519 |
| Equity capital to assets | 11.4460% | 2,809 |
| Core capital (leverage) ratio | 10.9657% | 2,423 |
| Tier 1 risk-based capital ratio | 19.7012% | 1,826 |
| Total risk-based capital ratio | 20.9551% | 1,803 |
| Memoranda: | ||
| Average total assets | $58,970,750 | 6,013 |
| Average earning assets | $52,381,500 | 6,043 |
| Average equity | $6,753,500 | 5,890 |
| Average total loans | $32,983,000 | 5,876 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 3,003 |
| Cost of funding earning assets | 1.3502% | 426 |
| Net interest margin | 3.3310% | 5,346 |
| Noninterest income to average assets | 0.3011% | 5,397 |
| Noninterest expense to average assets | 1.9539% | 6,512 |
| Loan and lease loss provision to assets | 0.1951% | 3,133 |
| Net operating income to assets | 0.6844% | 3,952 |
| Return on assets (ROA) | 0.6844% | 4,210 |
| Pretax return on assets | 1.0984% | 3,308 |
| Return on Equity (ROE) | 5.9749% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.9749% | 2,730 |
| Net charge-offs to loans | 0.0984% | 4,186 |
| Credit loss provision to net charge-offs | 356.2500% | 823 |
| Earnings coverage of net charge-offs (x) | 23.6250% | 1,248 |
| Efficiency ratio | 60.1686% | 5,546 |
| Assets per employee ($millions) | 6.5776% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 4,086 |
| Loan loss allowance to noncurrent loans | 35.5846% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 2.3261% | 2,403 |
| Noncurrent loans to loans | 4.1706% | 1,315 |
| Net loans and leases to total assets | 54.9461% | 4,639 |
| Net loans and leases to deposits | 62.9100% | 4,890 |
| Net loans and leases to core deposits | 65.9603% | 5,009 |
| Total domestic deposits to total assets | 87.3408% | 2,572 |
| Equity capital to assets | 11.3990% | 2,689 |
| Core capital (leverage) ratio | 10.9594% | 2,344 |
| Tier 1 risk-based capital ratio | 19.8460% | 1,739 |
| Total risk-based capital ratio | 21.0995% | 1,707 |
| Memoranda: | ||
| Average total assets | $58,446,000 | 6,063 |
| Average earning assets | $51,695,670 | 6,099 |
| Average equity | $6,694,670 | 5,935 |
| Average total loans | $32,533,330 | 5,937 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 2,900 |
| Cost of funding earning assets | 1.3749% | 461 |
| Net interest margin | 3.3634% | 5,253 |
| Noninterest income to average assets | 0.2480% | 5,869 |
| Noninterest expense to average assets | 1.8529% | 6,732 |
| Loan and lease loss provision to assets | 0.1860% | 3,115 |
| Net operating income to assets | 0.7439% | 3,658 |
| Return on assets (ROA) | 0.7439% | 3,892 |
| Pretax return on assets | 1.1917% | 2,940 |
| Return on Equity (ROE) | 6.4787% | 4,053 |
| Retained earnings to average equity (ytd only) | 6.4787% | 2,703 |
| Net charge-offs to loans | 0.1982% | 2,932 |
| Credit loss provision to net charge-offs | 168.7500% | 1,516 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,594 |
| Efficiency ratio | 57.3561% | 6,000 |
| Assets per employee ($millions) | 6.4780% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 4,537 |
| Loan loss allowance to noncurrent loans | 31.8119% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 2.6534% | 2,229 |
| Noncurrent loans to loans | 4.4507% | 1,323 |
| Net loans and leases to total assets | 54.9364% | 4,566 |
| Net loans and leases to deposits | 62.7835% | 4,798 |
| Net loans and leases to core deposits | 66.2030% | 4,892 |
| Total domestic deposits to total assets | 87.5013% | 2,649 |
| Equity capital to assets | 11.4987% | 2,448 |
| Core capital (leverage) ratio | 10.9889% | 2,265 |
| Tier 1 risk-based capital ratio | 19.9510% | 1,723 |
| Total risk-based capital ratio | 21.2042% | 1,696 |
| Memoranda: | ||
| Average total assets | $58,070,000 | 6,115 |
| Average earning assets | $51,495,000 | 6,141 |
| Average equity | $6,668,000 | 5,973 |
| Average total loans | $32,291,500 | 5,988 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 1,146 |
| Cost of funding earning assets | 1.7575% | 253 |
| Net interest margin | 3.7530% | 4,066 |
| Noninterest income to average assets | 0.4212% | 4,435 |
| Noninterest expense to average assets | 2.0775% | 6,536 |
| Loan and lease loss provision to assets | 0.1906% | 4,278 |
| Net operating income to assets | 0.8043% | 3,020 |
| Return on assets (ROA) | 0.8043% | 3,183 |
| Pretax return on assets | 1.2789% | 2,208 |
| Return on Equity (ROE) | 6.5942% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.3441% | 2,418 |
| Net charge-offs to loans | 0.5533% | 2,800 |
| Credit loss provision to net charge-offs | 55.2486% | 5,296 |
| Earnings coverage of net charge-offs (x) | 4.2597% | 3,195 |
| Efficiency ratio | 58.5707% | 5,969 |
| Assets per employee ($millions) | 5.7838% | 1,387 |
| Cash dividends to net income (ytd only)* | 18.9573% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,464 |
| Loan loss allowance to noncurrent loans | 36.9852% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 2.5589% | 2,371 |
| Noncurrent loans to loans | 3.7826% | 1,660 |
| Net loans and leases to total assets | 54.7132% | 4,921 |
| Net loans and leases to deposits | 62.6051% | 5,163 |
| Net loans and leases to core deposits | 66.1822% | 5,236 |
| Total domestic deposits to total assets | 87.3941% | 2,531 |
| Equity capital to assets | 11.4665% | 2,532 |
| Core capital (leverage) ratio | 11.3647% | 1,992 |
| Tier 1 risk-based capital ratio | 19.6340% | 1,719 |
| Total risk-based capital ratio | 20.8855% | 1,685 |
| Memoranda: | ||
| Average total assets | $52,467,200 | 6,288 |
| Average earning assets | $43,698,200 | 6,397 |
| Average equity | $6,399,600 | 6,040 |
| Average total loans | $32,713,000 | 6,031 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7448% | 782 |
| Cost of funding earning assets | 1.8392% | 223 |
| Net interest margin | 3.9056% | 3,355 |
| Noninterest income to average assets | 0.3860% | 4,765 |
| Noninterest expense to average assets | 2.0133% | 6,665 |
| Loan and lease loss provision to assets | 0.1747% | 4,288 |
| Net operating income to assets | 0.8971% | 2,747 |
| Return on assets (ROA) | 0.8971% | 2,898 |
| Pretax return on assets | 1.4266% | 1,859 |
| Return on Equity (ROE) | 7.2327% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.2327% | 1,850 |
| Net charge-offs to loans | 0.3529% | 3,329 |
| Credit loss provision to net charge-offs | 77.0115% | 4,239 |
| Earnings coverage of net charge-offs (x) | 7.0573% | 2,428 |
| Efficiency ratio | 55.6999% | 6,322 |
| Assets per employee ($millions) | 5.8998% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 3,768 |
| Loan loss allowance to noncurrent loans | 40.5728% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.3673% | 2,712 |
| Noncurrent loans to loans | 3.8878% | 1,720 |
| Net loans and leases to total assets | 59.9307% | 4,143 |
| Net loans and leases to deposits | 69.3335% | 4,412 |
| Net loans and leases to core deposits | 73.5344% | 4,521 |
| Total domestic deposits to total assets | 86.4383% | 2,967 |
| Equity capital to assets | 12.4694% | 1,930 |
| Core capital (leverage) ratio | 11.7094% | 1,882 |
| Tier 1 risk-based capital ratio | 20.9972% | 1,453 |
| Total risk-based capital ratio | 22.2514% | 1,433 |
| Memoranda: | ||
| Average total assets | $51,124,500 | 6,387 |
| Average earning assets | $42,263,500 | 6,511 |
| Average equity | $6,341,500 | 6,098 |
| Average total loans | $32,867,750 | 6,081 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6847% | 899 |
| Cost of funding earning assets | 1.8473% | 259 |
| Net interest margin | 3.8374% | 3,604 |
| Noninterest income to average assets | 0.3804% | 4,839 |
| Noninterest expense to average assets | 2.0647% | 6,666 |
| Loan and lease loss provision to assets | 0.1783% | 4,137 |
| Net operating income to assets | 0.8243% | 2,965 |
| Return on assets (ROA) | 0.8243% | 3,081 |
| Pretax return on assets | 1.3316% | 2,033 |
| Return on Equity (ROE) | 6.6578% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.6578% | 2,045 |
| Net charge-offs to loans | 0.2542% | 3,614 |
| Credit loss provision to net charge-offs | 107.1429% | 2,876 |
| Earnings coverage of net charge-offs (x) | 9.0714% | 1,968 |
| Efficiency ratio | 57.7605% | 6,197 |
| Assets per employee ($millions) | 5.7300% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 3,616 |
| Loan loss allowance to noncurrent loans | 32.3815% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 3.1918% | 2,105 |
| Noncurrent loans to loans | 5.0062% | 1,305 |
| Net loans and leases to total assets | 62.7225% | 3,733 |
| Net loans and leases to deposits | 74.2306% | 3,768 |
| Net loans and leases to core deposits | 78.4830% | 3,996 |
| Total domestic deposits to total assets | 84.4968% | 4,121 |
| Equity capital to assets | 12.4530% | 1,808 |
| Core capital (leverage) ratio | 11.9181% | 1,652 |
| Tier 1 risk-based capital ratio | 20.2937% | 1,555 |
| Total risk-based capital ratio | 21.5460% | 1,526 |
| Memoranda: | ||
| Average total assets | $50,466,670 | 6,470 |
| Average earning assets | $42,007,670 | 6,571 |
| Average equity | $6,248,330 | 6,160 |
| Average total loans | $33,046,330 | 6,133 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 906 |
| Cost of funding earning assets | 1.8887% | 265 |
| Net interest margin | 3.7965% | 3,637 |
| Noninterest income to average assets | 0.4407% | 4,359 |
| Noninterest expense to average assets | 2.1477% | 6,535 |
| Loan and lease loss provision to assets | 0.1763% | 3,859 |
| Net operating income to assets | 0.8014% | 3,029 |
| Return on assets (ROA) | 0.8014% | 3,096 |
| Pretax return on assets | 1.3062% | 2,021 |
| Return on Equity (ROE) | 6.4919% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.4919% | 2,376 |
| Net charge-offs to loans | -0.0121% | 6,417 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1611% | 6,106 |
| Assets per employee ($millions) | 5.5197% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 3,296 |
| Loan loss allowance to noncurrent loans | 28.8472% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 3.9918% | 1,673 |
| Noncurrent loans to loans | 5.9354% | 1,071 |
| Net loans and leases to total assets | 63.9028% | 3,450 |
| Net loans and leases to deposits | 75.8126% | 3,447 |
| Net loans and leases to core deposits | 80.3406% | 3,699 |
| Total domestic deposits to total assets | 84.2905% | 4,371 |
| Equity capital to assets | 12.5571% | 1,593 |
| Core capital (leverage) ratio | 12.1029% | 1,506 |
| Tier 1 risk-based capital ratio | 20.1140% | 1,568 |
| Total risk-based capital ratio | 21.3675% | 1,527 |
| Memoranda: | ||
| Average total assets | $49,915,000 | 6,535 |
| Average earning assets | $41,933,000 | 6,616 |
| Average equity | $6,161,500 | 6,193 |
| Average total loans | $33,130,000 | 6,173 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0181% | 821 |
| Cost of funding earning assets | 2.0246% | 554 |
| Net interest margin | 3.9935% | 3,047 |
| Noninterest income to average assets | 0.4402% | 4,591 |
| Noninterest expense to average assets | 2.4003% | 6,086 |
| Loan and lease loss provision to assets | 0.2279% | 4,997 |
| Net operating income to assets | 0.8672% | 2,524 |
| Return on assets (ROA) | 0.8672% | 2,658 |
| Pretax return on assets | 1.2986% | 1,924 |
| Return on Equity (ROE) | 6.5212% | 3,334 |
| Retained earnings to average equity (ytd only) | 5.1903% | 2,313 |
| Net charge-offs to loans | 0.2156% | 4,999 |
| Credit loss provision to net charge-offs | 149.2754% | 2,433 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,766 |
| Efficiency ratio | 61.1268% | 5,873 |
| Assets per employee ($millions) | 5.5726% | 1,518 |
| Cash dividends to net income (ytd only)* | 20.4082% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 3,738 |
| Loan loss allowance to noncurrent loans | 27.1377% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 4.0257% | 1,689 |
| Noncurrent loans to loans | 5.7505% | 1,109 |
| Net loans and leases to total assets | 66.6600% | 3,316 |
| Net loans and leases to deposits | 78.9030% | 3,353 |
| Net loans and leases to core deposits | 85.1402% | 3,448 |
| Total domestic deposits to total assets | 84.4835% | 4,121 |
| Equity capital to assets | 12.1329% | 1,836 |
| Core capital (leverage) ratio | 12.4423% | 1,334 |
| Tier 1 risk-based capital ratio | 19.2699% | 1,648 |
| Total risk-based capital ratio | 20.5270% | 1,619 |
| Memoranda: | ||
| Average total assets | $45,201,800 | 6,692 |
| Average earning assets | $39,464,400 | 6,735 |
| Average equity | $6,011,200 | 6,360 |
| Average total loans | $32,002,400 | 6,317 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0904% | 777 |
| Cost of funding earning assets | 2.0657% | 601 |
| Net interest margin | 4.0247% | 2,985 |
| Noninterest income to average assets | 0.3973% | 4,978 |
| Noninterest expense to average assets | 2.4140% | 5,987 |
| Loan and lease loss provision to assets | 0.1668% | 5,378 |
| Net operating income to assets | 0.9068% | 2,577 |
| Return on assets (ROA) | 0.9068% | 2,726 |
| Pretax return on assets | 1.3617% | 2,001 |
| Return on Equity (ROE) | 6.6524% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.6524% | 2,016 |
| Net charge-offs to loans | 0.2793% | 4,271 |
| Credit loss provision to net charge-offs | 83.3333% | 5,026 |
| Earnings coverage of net charge-offs (x) | 7.6361% | 2,290 |
| Efficiency ratio | 61.2308% | 5,746 |
| Assets per employee ($millions) | 5.0513% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 4,025 |
| Loan loss allowance to noncurrent loans | 26.4883% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 4.0275% | 1,732 |
| Noncurrent loans to loans | 5.6138% | 1,170 |
| Net loans and leases to total assets | 70.6766% | 2,571 |
| Net loans and leases to deposits | 86.4713% | 2,243 |
| Net loans and leases to core deposits | 93.8926% | 2,536 |
| Total domestic deposits to total assets | 81.7342% | 5,101 |
| Equity capital to assets | 13.6554% | 1,294 |
| Core capital (leverage) ratio | 13.1310% | 1,178 |
| Tier 1 risk-based capital ratio | 20.4899% | 1,450 |
| Total risk-based capital ratio | 21.7459% | 1,429 |
| Memoranda: | ||
| Average total assets | $43,964,000 | 6,821 |
| Average earning assets | $38,726,750 | 6,844 |
| Average equity | $5,992,750 | 6,447 |
| Average total loans | $31,512,500 | 6,415 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0951% | 761 |
| Cost of funding earning assets | 2.0872% | 691 |
| Net interest margin | 4.0079% | 2,977 |
| Noninterest income to average assets | 0.3911% | 4,982 |
| Noninterest expense to average assets | 2.3789% | 6,117 |
| Loan and lease loss provision to assets | 0.1518% | 5,382 |
| Net operating income to assets | 0.8835% | 2,609 |
| Return on assets (ROA) | 0.8835% | 2,735 |
| Pretax return on assets | 1.4034% | 1,831 |
| Return on Equity (ROE) | 6.4854% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.4854% | 2,080 |
| Net charge-offs to loans | 0.3275% | 3,687 |
| Credit loss provision to net charge-offs | 64.7059% | 5,103 |
| Earnings coverage of net charge-offs (x) | 6.6275% | 2,432 |
| Efficiency ratio | 60.4678% | 5,970 |
| Assets per employee ($millions) | 4.9074% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 3,927 |
| Loan loss allowance to noncurrent loans | 28.5971% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 4.1320% | 1,645 |
| Noncurrent loans to loans | 5.2529% | 1,290 |
| Net loans and leases to total assets | 70.8153% | 2,712 |
| Net loans and leases to deposits | 86.7986% | 2,375 |
| Net loans and leases to core deposits | 95.6249% | 2,486 |
| Total domestic deposits to total assets | 81.5858% | 5,158 |
| Equity capital to assets | 13.6573% | 1,285 |
| Core capital (leverage) ratio | 13.1290% | 1,167 |
| Tier 1 risk-based capital ratio | 20.5838% | 1,413 |
| Total risk-based capital ratio | 21.8405% | 1,381 |
| Memoranda: | ||
| Average total assets | $43,464,670 | 6,879 |
| Average earning assets | $38,424,000 | 6,911 |
| Average equity | $5,921,000 | 6,492 |
| Average total loans | $31,144,670 | 6,470 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1076% | 766 |
| Cost of funding earning assets | 2.0739% | 877 |
| Net interest margin | 4.0337% | 2,720 |
| Noninterest income to average assets | 0.3526% | 5,320 |
| Noninterest expense to average assets | 2.4493% | 5,913 |
| Loan and lease loss provision to assets | 0.1392% | 5,161 |
| Net operating income to assets | 0.8536% | 2,741 |
| Return on assets (ROA) | 0.8536% | 2,830 |
| Pretax return on assets | 1.3731% | 1,847 |
| Return on Equity (ROE) | 6.2740% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.2740% | 2,483 |
| Net charge-offs to loans | 0.4410% | 2,725 |
| Credit loss provision to net charge-offs | 44.1176% | 4,570 |
| Earnings coverage of net charge-offs (x) | 4.7941% | 2,549 |
| Efficiency ratio | 61.8267% | 5,864 |
| Assets per employee ($millions) | 4.7591% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 3,788 |
| Loan loss allowance to noncurrent loans | 59.5506% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.2366% | 3,229 |
| Noncurrent loans to loans | 2.5602% | 3,108 |
| Net loans and leases to total assets | 71.9322% | 2,462 |
| Net loans and leases to deposits | 88.4455% | 2,146 |
| Net loans and leases to core deposits | 97.5865% | 2,389 |
| Total domestic deposits to total assets | 81.3294% | 5,335 |
| Equity capital to assets | 13.8378% | 1,194 |
| Core capital (leverage) ratio | 13.1916% | 1,161 |
| Tier 1 risk-based capital ratio | 20.0685% | 1,510 |
| Total risk-based capital ratio | 21.3224% | 1,480 |
| Memoranda: | ||
| Average total assets | $43,113,500 | 6,980 |
| Average earning assets | $38,575,000 | 6,998 |
| Average equity | $5,865,500 | 6,569 |
| Average total loans | $30,840,000 | 6,571 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5155% | 649 |
| Cost of funding earning assets | 2.5916% | 798 |
| Net interest margin | 3.9239% | 3,178 |
| Noninterest income to average assets | 0.4864% | 4,517 |
| Noninterest expense to average assets | 2.4738% | 6,222 |
| Loan and lease loss provision to assets | 0.2666% | 5,277 |
| Net operating income to assets | 0.8147% | 2,477 |
| Return on assets (ROA) | 0.8147% | 2,564 |
| Pretax return on assets | 1.1999% | 1,955 |
| Return on Equity (ROE) | 5.8417% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.4256% | 2,148 |
| Net charge-offs to loans | 0.0034% | 7,202 |
| Credit loss provision to net charge-offs | 10,800.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 594.0000% | 45 |
| Efficiency ratio | 62.7820% | 6,004 |
| Assets per employee ($millions) | 4.8217% | 2,452 |
| Cash dividends to net income (ytd only)* | 24.2424% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 3,157 |
| Loan loss allowance to noncurrent loans | 49.6000% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.6662% | 2,630 |
| Noncurrent loans to loans | 3.2902% | 2,323 |
| Net loans and leases to total assets | 68.8950% | 3,515 |
| Net loans and leases to deposits | 84.7589% | 3,129 |
| Net loans and leases to core deposits | 96.5509% | 4,395 |
| Total domestic deposits to total assets | 81.2836% | 5,238 |
| Equity capital to assets | 13.3748% | 1,370 |
| Core capital (leverage) ratio | 13.7712% | 1,025 |
| Tier 1 risk-based capital ratio | 20.0891% | 1,446 |
| Total risk-based capital ratio | 21.3469% | 1,409 |
| Memoranda: | ||
| Average total assets | $40,504,400 | 7,075 |
| Average earning assets | $35,653,200 | 7,115 |
| Average equity | $5,649,000 | 6,724 |
| Average total loans | $29,389,800 | 6,667 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9314% | 337 |
| Cost of funding earning assets | 2.7442% | 699 |
| Net interest margin | 4.1872% | 2,106 |
| Noninterest income to average assets | 0.2983% | 6,089 |
| Noninterest expense to average assets | 2.4533% | 6,236 |
| Loan and lease loss provision to assets | 0.1207% | 6,155 |
| Net operating income to assets | 0.8513% | 2,612 |
| Return on assets (ROA) | 0.8513% | 2,676 |
| Pretax return on assets | 1.3909% | 1,721 |
| Return on Equity (ROE) | 6.0365% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.0365% | 1,929 |
| Net charge-offs to loans | 0.0046% | 6,913 |
| Credit loss provision to net charge-offs | 3,600.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 452.1203% | 76 |
| Efficiency ratio | 61.8766% | 6,140 |
| Assets per employee ($millions) | 4.4110% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 3,768 |
| Loan loss allowance to noncurrent loans | 56.4409% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 1.8968% | 3,512 |
| Noncurrent loans to loans | 2.5398% | 2,971 |
| Net loans and leases to total assets | 73.6114% | 2,639 |
| Net loans and leases to deposits | 92.5657% | 2,143 |
| Net loans and leases to core deposits | 108.5389% | 3,407 |
| Total domestic deposits to total assets | 79.5234% | 5,616 |
| Equity capital to assets | 14.6553% | 1,102 |
| Core capital (leverage) ratio | 13.5895% | 1,206 |
| Tier 1 risk-based capital ratio | 21.3895% | 1,311 |
| Total risk-based capital ratio | 22.6475% | 1,282 |
| Memoranda: | ||
| Average total assets | $39,781,750 | 7,161 |
| Average earning assets | $34,835,750 | 7,214 |
| Average equity | $5,610,250 | 6,813 |
| Average total loans | $29,139,000 | 6,731 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0465% | 295 |
| Cost of funding earning assets | 2.8232% | 736 |
| Net interest margin | 4.2232% | 1,904 |
| Noninterest income to average assets | 0.2914% | 6,191 |
| Noninterest expense to average assets | 2.4969% | 6,137 |
| Loan and lease loss provision to assets | 0.1206% | 5,915 |
| Net operating income to assets | 0.8038% | 2,840 |
| Return on assets (ROA) | 0.8038% | 2,934 |
| Pretax return on assets | 1.3263% | 1,946 |
| Return on Equity (ROE) | 5.7751% | 3,759 |
| Retained earnings to average equity (ytd only) | 5.7751% | 2,128 |
| Net charge-offs to loans | 0.0069% | 6,498 |
| Credit loss provision to net charge-offs | 2,400.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 133 |
| Efficiency ratio | 63.3121% | 6,041 |
| Assets per employee ($millions) | 4.5738% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 3,733 |
| Loan loss allowance to noncurrent loans | 47.0924% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.1305% | 3,021 |
| Noncurrent loans to loans | 2.9687% | 2,433 |
| Net loans and leases to total assets | 70.7633% | 3,515 |
| Net loans and leases to deposits | 87.6297% | 3,233 |
| Net loans and leases to core deposits | 106.1398% | 3,825 |
| Total domestic deposits to total assets | 80.7526% | 5,171 |
| Equity capital to assets | 13.6940% | 1,421 |
| Core capital (leverage) ratio | 13.4261% | 1,293 |
| Tier 1 risk-based capital ratio | 21.1506% | 1,371 |
| Total risk-based capital ratio | 22.4042% | 1,341 |
| Memoranda: | ||
| Average total assets | $39,809,330 | 7,215 |
| Average earning assets | $34,428,670 | 7,296 |
| Average equity | $5,541,000 | 6,882 |
| Average total loans | $28,969,330 | 6,793 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8869% | 418 |
| Cost of funding earning assets | 2.8461% | 872 |
| Net interest margin | 4.0408% | 2,489 |
| Noninterest income to average assets | 0.2964% | 6,067 |
| Noninterest expense to average assets | 2.5350% | 5,713 |
| Loan and lease loss provision to assets | 0.1227% | 5,394 |
| Net operating income to assets | 0.7155% | 3,474 |
| Return on assets (ROA) | 0.7155% | 3,674 |
| Pretax return on assets | 1.1653% | 2,744 |
| Return on Equity (ROE) | 5.0974% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.0974% | 3,066 |
| Net charge-offs to loans | 0.0139% | 5,398 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 345 |
| Efficiency ratio | 66.3102% | 5,265 |
| Assets per employee ($millions) | 4.9371% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 3,337 |
| Loan loss allowance to noncurrent loans | 26.9489% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 3.7674% | 1,401 |
| Noncurrent loans to loans | 5.3107% | 997 |
| Net loans and leases to total assets | 69.9243% | 3,686 |
| Net loans and leases to deposits | 86.8928% | 3,496 |
| Net loans and leases to core deposits | 104.5305% | 4,076 |
| Total domestic deposits to total assets | 80.4719% | 5,181 |
| Equity capital to assets | 14.1251% | 1,327 |
| Core capital (leverage) ratio | 13.7938% | 1,235 |
| Tier 1 risk-based capital ratio | 21.4308% | 1,382 |
| Total risk-based capital ratio | 22.6864% | 1,346 |
| Memoranda: | ||
| Average total assets | $39,132,000 | 7,290 |
| Average earning assets | $34,152,000 | 7,346 |
| Average equity | $5,493,000 | 6,948 |
| Average total loans | $28,683,000 | 6,834 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9676% | 1,213 |
| Cost of funding earning assets | 3.2289% | 1,101 |
| Net interest margin | 3.7387% | 4,286 |
| Noninterest income to average assets | 0.3759% | 5,684 |
| Noninterest expense to average assets | 2.1870% | 6,996 |
| Loan and lease loss provision to assets | 0.1756% | 5,145 |
| Net operating income to assets | 0.8287% | 3,318 |
| Return on assets (ROA) | 0.8287% | 3,153 |
| Pretax return on assets | 1.3336% | 2,194 |
| Return on Equity (ROE) | 5.7377% | 4,054 |
| Retained earnings to average equity (ytd only) | 4.2178% | 2,494 |
| Net charge-offs to loans | 0.0781% | 5,647 |
| Credit loss provision to net charge-offs | 290.9091% | 1,562 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,355 |
| Efficiency ratio | 59.1685% | 6,507 |
| Assets per employee ($millions) | 5.5381% | 1,431 |
| Cash dividends to net income (ytd only)* | 26.4901% | 4,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 3,600 |
| Loan loss allowance to noncurrent loans | 30.9278% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 3.2528% | 1,402 |
| Noncurrent loans to loans | 4.2969% | 1,125 |
| Net loans and leases to total assets | 74.6950% | 2,942 |
| Net loans and leases to deposits | 93.1153% | 2,941 |
| Net loans and leases to core deposits | 111.1380% | 3,663 |
| Total domestic deposits to total assets | 80.2177% | 4,940 |
| Equity capital to assets | 13.9474% | 1,439 |
| Core capital (leverage) ratio | 14.4215% | 1,157 |
| Tier 1 risk-based capital ratio | 21.4751% | 1,398 |
| Total risk-based capital ratio | 22.7298% | 1,361 |
| Memoranda: | ||
| Average total assets | $36,443,200 | 7,365 |
| Average earning assets | $32,364,000 | 7,392 |
| Average equity | $5,263,400 | 7,059 |
| Average total loans | $28,182,600 | 6,829 |