Home > Walters Bank and Trust Company > Performance and Condition Ratios
Walters Bank and Trust Company, 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 | 4.2370% | 3,559 |
| Cost of funding earning assets | 0.2937% | 4,377 |
| Net interest margin | 3.9433% | 1,285 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.7711% | 1,576 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.3550% | 1,312 |
| Return on assets (ROA) | 1.3550% | 1,282 |
| Pretax return on assets | 1.3550% | 1,730 |
| Return on Equity (ROE) | 7.6500% | 3,115 |
| Retained earnings to average equity (ytd only) | 3.9283% | 2,981 |
| Net charge-offs to loans | 0.2326% | 463 |
| Credit loss provision to net charge-offs | 142.8571% | 1,510 |
| Earnings coverage of net charge-offs (x) | 14.4429% | 2,079 |
| Efficiency ratio | 64.8225% | 2,505 |
| Assets per employee ($millions) | 4.9860% | 3,648 |
| Cash dividends to net income (ytd only)* | 48.6279% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3855% | 1,434 |
| Loan loss allowance to noncurrent loans | 329.0780% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 1,931 |
| Noncurrent loans to loans | 0.4210% | 1,727 |
| Net loans and leases to total assets | 50.9500% | 3,542 |
| Net loans and leases to deposits | 63.0339% | 3,344 |
| Net loans and leases to core deposits | 64.2604% | 3,576 |
| Total domestic deposits to total assets | 80.8300% | 3,336 |
| Equity capital to assets | 19.1135% | 312 |
| Core capital (leverage) ratio | 20.7362% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $67,230,600 | 4,144 |
| Average earning assets | $65,021,800 | 4,089 |
| Average equity | $11,913,400 | 3,535 |
| Average total loans | $30,092,000 | 4,135 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 3,516 |
| Cost of funding earning assets | 0.2832% | 4,380 |
| Net interest margin | 3.8912% | 1,423 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.3508% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8181% | 643 |
| Return on assets (ROA) | 1.8181% | 636 |
| Pretax return on assets | 1.8181% | 986 |
| Return on Equity (ROE) | 10.4600% | 2,511 |
| Retained earnings to average equity (ytd only) | 5.4487% | 2,796 |
| Net charge-offs to loans | 0.1641% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 25.6944% | 1,681 |
| Efficiency ratio | 56.3885% | 3,371 |
| Assets per employee ($millions) | 5.0410% | 3,574 |
| Cash dividends to net income (ytd only)* | 47.8919% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,534 |
| Loan loss allowance to noncurrent loans | 276.3889% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 2,162 |
| Noncurrent loans to loans | 0.4988% | 1,566 |
| Net loans and leases to total assets | 43.4400% | 3,935 |
| Net loans and leases to deposits | 53.0168% | 3,840 |
| Net loans and leases to core deposits | 54.0228% | 3,926 |
| Total domestic deposits to total assets | 81.9400% | 3,221 |
| Equity capital to assets | 17.9146% | 348 |
| Core capital (leverage) ratio | 20.2578% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $67,833,750 | 4,148 |
| Average earning assets | $65,444,750 | 4,105 |
| Average equity | $11,794,500 | 3,542 |
| Average total loans | $29,242,500 | 4,167 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 3,392 |
| Cost of funding earning assets | 0.2631% | 4,365 |
| Net interest margin | 3.8885% | 1,448 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3207% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8367% | 618 |
| Return on assets (ROA) | 1.8367% | 617 |
| Pretax return on assets | 1.8367% | 951 |
| Return on Equity (ROE) | 10.6700% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.1661% | 3,428 |
| Net charge-offs to loans | 0.1839% | 431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,674 |
| Efficiency ratio | 55.8205% | 3,442 |
| Assets per employee ($millions) | 5.2334% | 3,374 |
| Cash dividends to net income (ytd only)* | 70.3175% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,483 |
| Loan loss allowance to noncurrent loans | 197.5728% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 1,708 |
| Noncurrent loans to loans | 0.7150% | 1,043 |
| Net loans and leases to total assets | 41.7500% | 3,977 |
| Net loans and leases to deposits | 51.2781% | 3,867 |
| Net loans and leases to core deposits | 52.2208% | 3,944 |
| Total domestic deposits to total assets | 81.4200% | 3,356 |
| Equity capital to assets | 18.4849% | 330 |
| Core capital (leverage) ratio | 19.4005% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $68,600,667 | 4,160 |
| Average earning assets | $66,143,333 | 4,115 |
| Average equity | $11,812,667 | 3,553 |
| Average total loans | $29,367,333 | 4,175 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 3,223 |
| Cost of funding earning assets | 0.2103% | 4,361 |
| Net interest margin | 3.9058% | 1,471 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.5434% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6375% | 926 |
| Return on assets (ROA) | 1.6375% | 923 |
| Pretax return on assets | 1.6375% | 1,389 |
| Return on Equity (ROE) | 9.8700% | 2,823 |
| Retained earnings to average equity (ytd only) | -5.6338% | 4,354 |
| Net charge-offs to loans | 0.0135% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 386 |
| Efficiency ratio | 60.8333% | 2,841 |
| Assets per employee ($millions) | 4.5603% | 3,984 |
| Cash dividends to net income (ytd only)* | 157.0922% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,422 |
| Loan loss allowance to noncurrent loans | 866.0000% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 2,745 |
| Noncurrent loans to loans | 0.1678% | 2,649 |
| Net loans and leases to total assets | 42.9300% | 3,913 |
| Net loans and leases to deposits | 51.6636% | 3,812 |
| Net loans and leases to core deposits | 52.5889% | 3,885 |
| Total domestic deposits to total assets | 83.0900% | 3,279 |
| Equity capital to assets | 16.8628% | 352 |
| Core capital (leverage) ratio | 18.7068% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $68,884,000 | 4,213 |
| Average earning assets | $66,568,000 | 4,164 |
| Average equity | $11,431,000 | 3,627 |
| Average total loans | $29,644,500 | 4,229 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 3,292 |
| Cost of funding earning assets | 0.0931% | 4,420 |
| Net interest margin | 3.3286% | 2,486 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.5798% | 1,883 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1090% | 2,134 |
| Return on assets (ROA) | 1.1090% | 2,069 |
| Pretax return on assets | 1.1090% | 2,742 |
| Return on Equity (ROE) | 6.6300% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.0710% | 3,695 |
| Net charge-offs to loans | 0.1147% | 654 |
| Credit loss provision to net charge-offs | 151.5152% | 1,292 |
| Earnings coverage of net charge-offs (x) | 24.2727% | 1,797 |
| Efficiency ratio | 68.5636% | 1,895 |
| Assets per employee ($millions) | 4.6242% | 3,955 |
| Cash dividends to net income (ytd only)* | 53.6618% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,286 |
| Loan loss allowance to noncurrent loans | 1,142.1053% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,256 |
| Noncurrent loans to loans | 0.1288% | 2,863 |
| Net loans and leases to total assets | 41.8900% | 3,987 |
| Net loans and leases to deposits | 50.0801% | 3,894 |
| Net loans and leases to core deposits | 50.9584% | 3,943 |
| Total domestic deposits to total assets | 83.6500% | 3,285 |
| Equity capital to assets | 16.3300% | 366 |
| Core capital (leverage) ratio | 19.0367% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $67,717,600 | 4,250 |
| Average earning assets | $65,554,000 | 4,201 |
| Average equity | $11,331,800 | 3,733 |
| Average total loans | $28,760,200 | 4,259 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3143% | 3,142 |
| Cost of funding earning assets | 0.0757% | 4,449 |
| Net interest margin | 3.2385% | 2,502 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.4088% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1727% | 1,798 |
| Return on assets (ROA) | 1.1727% | 1,770 |
| Pretax return on assets | 1.1727% | 2,481 |
| Return on Equity (ROE) | 6.9600% | 3,603 |
| Retained earnings to average equity (ytd only) | 2.2235% | 3,974 |
| Net charge-offs to loans | 0.1586% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 17.4118% | 1,791 |
| Efficiency ratio | 67.2566% | 2,122 |
| Assets per employee ($millions) | 4.5139% | 4,044 |
| Cash dividends to net income (ytd only)* | 68.0743% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 1,645 |
| Loan loss allowance to noncurrent loans | 1,007.8947% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,330 |
| Noncurrent loans to loans | 0.1379% | 2,943 |
| Net loans and leases to total assets | 40.1400% | 4,067 |
| Net loans and leases to deposits | 48.0177% | 3,950 |
| Net loans and leases to core deposits | 48.8813% | 4,006 |
| Total domestic deposits to total assets | 83.6000% | 3,583 |
| Equity capital to assets | 16.2994% | 355 |
| Core capital (leverage) ratio | 18.6932% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $67,306,250 | 4,286 |
| Average earning assets | $65,131,000 | 4,236 |
| Average equity | $11,333,000 | 3,775 |
| Average total loans | $28,577,000 | 4,291 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1599% | 3,167 |
| Cost of funding earning assets | 0.0708% | 4,454 |
| Net interest margin | 3.0891% | 2,567 |
| Noninterest income to average assets | 0.3990% | 2,765 |
| Noninterest expense to average assets | 2.3462% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0421% | 2,014 |
| Return on assets (ROA) | 1.0421% | 1,982 |
| Pretax return on assets | 1.0421% | 2,598 |
| Return on Equity (ROE) | 6.1232% | 3,543 |
| Retained earnings to average equity (ytd only) | -0.9272% | 4,289 |
| Net charge-offs to loans | 0.2421% | 267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,768 |
| Efficiency ratio | 69.2443% | 2,068 |
| Assets per employee ($millions) | 5.3986% | 3,330 |
| Cash dividends to net income (ytd only)* | 115.1429% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 39.4118% | 4,105 |
| Net loans and leases to deposits | 45.7811% | 4,035 |
| Net loans and leases to core deposits | 46.9466% | 4,085 |
| Total domestic deposits to total assets | 86.0876% | 3,223 |
| Equity capital to assets | 13.8526% | 541 |
| Core capital (leverage) ratio | 18.5738% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,172,333 | 4,331 |
| Average earning assets | $65,002,667 | 4,294 |
| Average equity | $11,432,000 | 3,841 |
| Average total loans | $28,915,333 | 4,341 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1043% | 2,973 |
| Cost of funding earning assets | 0.0683% | 4,469 |
| Net interest margin | 3.0360% | 2,379 |
| Noninterest income to average assets | 0.4447% | 2,417 |
| Noninterest expense to average assets | 2.5523% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8711% | 2,411 |
| Return on assets (ROA) | 0.8711% | 2,401 |
| Pretax return on assets | 0.8711% | 2,885 |
| Return on Equity (ROE) | 4.6553% | 3,710 |
| Retained earnings to average equity (ytd only) | -8.4642% | 4,534 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5552% | 1,680 |
| Assets per employee ($millions) | 5.0759% | 3,688 |
| Cash dividends to net income (ytd only)* | 281.8182% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,811 |
| Loan loss allowance to noncurrent loans | 801.9231% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 2,323 |
| Noncurrent loans to loans | 0.1779% | 2,929 |
| Net loans and leases to total assets | 43.6571% | 3,762 |
| Net loans and leases to deposits | 53.1729% | 3,479 |
| Net loans and leases to core deposits | 54.6870% | 3,547 |
| Total domestic deposits to total assets | 82.1041% | 4,062 |
| Equity capital to assets | 17.8505% | 232 |
| Core capital (leverage) ratio | 18.9423% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4632% | 72 |
| Memoranda: | ||
| Average total assets | $65,667,500 | 4,365 |
| Average earning assets | $64,426,500 | 4,322 |
| Average equity | $12,287,000 | 3,834 |
| Average total loans | $29,352,000 | 4,343 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9958% | 3,880 |
| Cost of funding earning assets | 0.0688% | 4,596 |
| Net interest margin | 2.9269% | 3,382 |
| Noninterest income to average assets | 0.7689% | 1,537 |
| Noninterest expense to average assets | 2.5009% | 2,178 |
| Loan and lease loss provision to assets | 0.0796% | 1,540 |
| Net operating income to assets | 1.0316% | 2,551 |
| Return on assets (ROA) | 1.0316% | 2,626 |
| Pretax return on assets | 1.0316% | 3,178 |
| Return on Equity (ROE) | 5.0980% | 3,975 |
| Retained earnings to average equity (ytd only) | 1.9275% | 3,997 |
| Net charge-offs to loans | 0.1090% | 809 |
| Credit loss provision to net charge-offs | 161.2903% | 1,449 |
| Earnings coverage of net charge-offs (x) | 22.5161% | 1,796 |
| Efficiency ratio | 69.2375% | 1,823 |
| Assets per employee ($millions) | 5.0268% | 3,705 |
| Cash dividends to net income (ytd only)* | 62.1914% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 1,867 |
| Loan loss allowance to noncurrent loans | 170.9016% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 1,106 |
| Noncurrent loans to loans | 0.8277% | 1,233 |
| Net loans and leases to total assets | 44.4727% | 3,801 |
| Net loans and leases to deposits | 55.3056% | 3,485 |
| Net loans and leases to core deposits | 56.3785% | 3,592 |
| Total domestic deposits to total assets | 80.4126% | 4,177 |
| Equity capital to assets | 19.5798% | 190 |
| Core capital (leverage) ratio | 19.6051% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.7908% | 68 |
| Memoranda: | ||
| Average total assets | $62,816,600 | 4,416 |
| Average earning assets | $61,019,200 | 4,374 |
| Average equity | $12,710,800 | 3,857 |
| Average total loans | $28,447,600 | 4,408 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0358% | 3,934 |
| Cost of funding earning assets | 0.0708% | 4,688 |
| Net interest margin | 2.9650% | 3,401 |
| Noninterest income to average assets | 0.7311% | 1,724 |
| Noninterest expense to average assets | 2.4293% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1750% | 2,250 |
| Return on assets (ROA) | 1.1750% | 2,314 |
| Pretax return on assets | 1.1750% | 3,005 |
| Return on Equity (ROE) | 5.7578% | 3,969 |
| Retained earnings to average equity (ytd only) | 1.5235% | 4,308 |
| Net charge-offs to loans | 0.1514% | 550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 17.1250% | 1,823 |
| Efficiency ratio | 67.4004% | 1,915 |
| Assets per employee ($millions) | 4.9385% | 3,755 |
| Cash dividends to net income (ytd only)* | 73.5401% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 2,253 |
| Loan loss allowance to noncurrent loans | 538.2353% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 2,121 |
| Noncurrent loans to loans | 0.2498% | 2,939 |
| Net loans and leases to total assets | 41.8287% | 4,105 |
| Net loans and leases to deposits | 52.3072% | 3,861 |
| Net loans and leases to core deposits | 53.3463% | 3,961 |
| Total domestic deposits to total assets | 79.9673% | 4,231 |
| Equity capital to assets | 19.9003% | 194 |
| Core capital (leverage) ratio | 19.7118% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.3396% | 61 |
| Memoranda: | ||
| Average total assets | $62,183,750 | 4,485 |
| Average earning assets | $60,257,250 | 4,444 |
| Average equity | $12,689,750 | 3,913 |
| Average total loans | $28,189,750 | 4,471 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1059% | 3,856 |
| Cost of funding earning assets | 0.0704% | 4,744 |
| Net interest margin | 3.0355% | 3,225 |
| Noninterest income to average assets | 0.9104% | 1,246 |
| Noninterest expense to average assets | 2.3768% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4794% | 1,352 |
| Return on assets (ROA) | 1.4794% | 1,412 |
| Pretax return on assets | 1.4794% | 2,081 |
| Return on Equity (ROE) | 7.1874% | 3,606 |
| Retained earnings to average equity (ytd only) | 0.8214% | 4,378 |
| Net charge-offs to loans | 0.1192% | 651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 26.7647% | 1,377 |
| Efficiency ratio | 61.6358% | 2,778 |
| Assets per employee ($millions) | 4.8940% | 3,753 |
| Cash dividends to net income (ytd only)* | 88.5714% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 2,119 |
| Loan loss allowance to noncurrent loans | 325.6410% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 2,350 |
| Noncurrent loans to loans | 0.4199% | 2,423 |
| Net loans and leases to total assets | 43.1942% | 4,099 |
| Net loans and leases to deposits | 54.0358% | 3,857 |
| Net loans and leases to core deposits | 55.1196% | 3,959 |
| Total domestic deposits to total assets | 79.9362% | 4,242 |
| Equity capital to assets | 19.9695% | 190 |
| Core capital (leverage) ratio | 20.0170% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.7643% | 64 |
| Memoranda: | ||
| Average total assets | $61,511,667 | 4,521 |
| Average earning assets | $59,693,000 | 4,476 |
| Average equity | $12,661,000 | 3,925 |
| Average total loans | $28,513,000 | 4,496 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2797% | 3,501 |
| Cost of funding earning assets | 0.0753% | 4,776 |
| Net interest margin | 3.2044% | 2,684 |
| Noninterest income to average assets | 0.9660% | 1,198 |
| Noninterest expense to average assets | 2.5671% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4953% | 1,346 |
| Return on assets (ROA) | 1.4953% | 1,407 |
| Pretax return on assets | 1.4953% | 2,004 |
| Return on Equity (ROE) | 7.1525% | 3,568 |
| Retained earnings to average equity (ytd only) | -5.6017% | 4,720 |
| Net charge-offs to loans | 0.2774% | 309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 11.3000% | 1,460 |
| Efficiency ratio | 63.1922% | 2,580 |
| Assets per employee ($millions) | 4.7178% | 3,909 |
| Cash dividends to net income (ytd only)* | 178.3186% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,477 |
| Loan loss allowance to noncurrent loans | 245.4545% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 2,261 |
| Noncurrent loans to loans | 0.5263% | 2,277 |
| Net loans and leases to total assets | 47.0936% | 3,884 |
| Net loans and leases to deposits | 59.2314% | 3,545 |
| Net loans and leases to core deposits | 60.4715% | 3,671 |
| Total domestic deposits to total assets | 79.5079% | 4,268 |
| Equity capital to assets | 20.4301% | 169 |
| Core capital (leverage) ratio | 20.3070% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3519% | 81 |
| Memoranda: | ||
| Average total assets | $60,456,500 | 4,550 |
| Average earning assets | $58,420,000 | 4,509 |
| Average equity | $12,639,000 | 3,937 |
| Average total loans | $28,838,500 | 4,515 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 3,936 |
| Cost of funding earning assets | 0.1354% | 4,773 |
| Net interest margin | 3.4075% | 2,756 |
| Noninterest income to average assets | 0.5497% | 2,422 |
| Noninterest expense to average assets | 2.9585% | 1,531 |
| Loan and lease loss provision to assets | 0.0445% | 3,844 |
| Net operating income to assets | 0.8148% | 3,033 |
| Return on assets (ROA) | 0.8148% | 3,157 |
| Pretax return on assets | 0.8148% | 3,598 |
| Return on Equity (ROE) | 3.6051% | 4,247 |
| Retained earnings to average equity (ytd only) | 0.4329% | 4,383 |
| Net charge-offs to loans | 0.0257% | 2,522 |
| Credit loss provision to net charge-offs | 357.1429% | 1,560 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 987 |
| Efficiency ratio | 77.4930% | 1,082 |
| Assets per employee ($millions) | 4.5832% | 3,831 |
| Cash dividends to net income (ytd only)* | 87.9913% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,970 |
| Loan loss allowance to noncurrent loans | 73.7037% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 898 |
| Noncurrent loans to loans | 1.9003% | 629 |
| Net loans and leases to total assets | 47.0243% | 4,053 |
| Net loans and leases to deposits | 59.8445% | 3,773 |
| Net loans and leases to core deposits | 61.1506% | 3,878 |
| Total domestic deposits to total assets | 78.5774% | 4,254 |
| Equity capital to assets | 21.3957% | 152 |
| Core capital (leverage) ratio | 21.2954% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.9602% | 68 |
| Memoranda: | ||
| Average total assets | $56,210,200 | 4,569 |
| Average earning assets | $53,910,200 | 4,528 |
| Average equity | $12,704,400 | 3,896 |
| Average total loans | $27,241,800 | 4,572 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6794% | 3,842 |
| Cost of funding earning assets | 0.1508% | 4,801 |
| Net interest margin | 3.5286% | 2,488 |
| Noninterest income to average assets | 0.5009% | 2,611 |
| Noninterest expense to average assets | 2.8680% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0138% | 2,283 |
| Return on assets (ROA) | 1.0138% | 2,415 |
| Pretax return on assets | 1.0138% | 3,017 |
| Return on Equity (ROE) | 4.4221% | 4,055 |
| Retained earnings to average equity (ytd only) | 0.1891% | 4,450 |
| Net charge-offs to loans | 0.0099% | 2,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 210.5000% | 481 |
| Efficiency ratio | 73.8834% | 1,416 |
| Assets per employee ($millions) | 4.4140% | 3,940 |
| Cash dividends to net income (ytd only)* | 95.7245% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,510 |
| Loan loss allowance to noncurrent loans | 284.2105% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 3,029 |
| Noncurrent loans to loans | 0.5128% | 2,518 |
| Net loans and leases to total assets | 44.5401% | 4,395 |
| Net loans and leases to deposits | 57.3911% | 4,192 |
| Net loans and leases to core deposits | 58.7095% | 4,268 |
| Total domestic deposits to total assets | 77.6080% | 4,251 |
| Equity capital to assets | 22.2648% | 144 |
| Core capital (leverage) ratio | 21.5547% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.9654% | 63 |
| Memoranda: | ||
| Average total assets | $55,367,250 | 4,596 |
| Average earning assets | $53,051,000 | 4,557 |
| Average equity | $12,693,500 | 3,900 |
| Average total loans | $26,948,250 | 4,605 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8612% | 3,714 |
| Cost of funding earning assets | 0.1724% | 4,829 |
| Net interest margin | 3.6889% | 2,209 |
| Noninterest income to average assets | 0.6107% | 2,093 |
| Noninterest expense to average assets | 2.8595% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2725% | 1,430 |
| Return on assets (ROA) | 1.2725% | 1,550 |
| Pretax return on assets | 1.2725% | 2,124 |
| Return on Equity (ROE) | 5.4950% | 3,675 |
| Retained earnings to average equity (ytd only) | -0.8685% | 4,458 |
| Net charge-offs to loans | 0.0366% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 69.6000% | 882 |
| Efficiency ratio | 69.2035% | 2,060 |
| Assets per employee ($millions) | 4.4486% | 3,853 |
| Cash dividends to net income (ytd only)* | 115.8046% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,477 |
| Loan loss allowance to noncurrent loans | 215.5172% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 2,884 |
| Noncurrent loans to loans | 0.6642% | 2,201 |
| Net loans and leases to total assets | 44.6466% | 4,424 |
| Net loans and leases to deposits | 57.3587% | 4,252 |
| Net loans and leases to core deposits | 58.6618% | 4,320 |
| Total domestic deposits to total assets | 77.8375% | 4,209 |
| Equity capital to assets | 22.0760% | 145 |
| Core capital (leverage) ratio | 22.3498% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.4352% | 57 |
| Memoranda: | ||
| Average total assets | $54,695,667 | 4,622 |
| Average earning assets | $52,211,333 | 4,588 |
| Average equity | $12,666,000 | 3,911 |
| Average total loans | $27,285,667 | 4,613 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 3,468 |
| Cost of funding earning assets | 0.1909% | 4,908 |
| Net interest margin | 3.9286% | 1,584 |
| Noninterest income to average assets | 0.7228% | 1,557 |
| Noninterest expense to average assets | 2.9815% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4606% | 855 |
| Return on assets (ROA) | 1.4606% | 929 |
| Pretax return on assets | 1.4606% | 1,411 |
| Return on Equity (ROE) | 6.1512% | 3,260 |
| Retained earnings to average equity (ytd only) | -6.6268% | 4,620 |
| Net charge-offs to loans | -0.0575% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1186% | 2,803 |
| Assets per employee ($millions) | 4.0485% | 3,860 |
| Cash dividends to net income (ytd only)* | 207.7320% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 1,848 |
| Loan loss allowance to noncurrent loans | 526.0274% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 3,528 |
| Noncurrent loans to loans | 0.2591% | 3,565 |
| Net loans and leases to total assets | 52.8007% | 4,069 |
| Net loans and leases to deposits | 69.5838% | 3,624 |
| Net loans and leases to core deposits | 71.3710% | 3,789 |
| Total domestic deposits to total assets | 75.8807% | 4,500 |
| Equity capital to assets | 24.0414% | 127 |
| Core capital (leverage) ratio | 22.9446% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.4444% | 76 |
| Memoranda: | ||
| Average total assets | $53,127,500 | 4,664 |
| Average earning assets | $50,297,500 | 4,634 |
| Average equity | $12,615,500 | 3,927 |
| Average total loans | $27,831,000 | 4,638 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 4,440 |
| Cost of funding earning assets | 0.1743% | 5,008 |
| Net interest margin | 3.7220% | 2,750 |
| Noninterest income to average assets | 0.6078% | 2,179 |
| Noninterest expense to average assets | 3.2706% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9053% | 3,191 |
| Return on assets (ROA) | 0.9053% | 3,280 |
| Pretax return on assets | 0.9053% | 3,729 |
| Return on Equity (ROE) | 4.0003% | 4,461 |
| Retained earnings to average equity (ytd only) | 0.9818% | 4,386 |
| Net charge-offs to loans | 0.0113% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 164.3333% | 460 |
| Efficiency ratio | 78.3201% | 1,112 |
| Assets per employee ($millions) | 4.1250% | 3,727 |
| Cash dividends to net income (ytd only)* | 75.4564% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 1,583 |
| Loan loss allowance to noncurrent loans | 666.6667% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 3,668 |
| Noncurrent loans to loans | 0.2074% | 3,717 |
| Net loans and leases to total assets | 50.5529% | 4,305 |
| Net loans and leases to deposits | 66.0679% | 3,951 |
| Net loans and leases to core deposits | 67.7183% | 4,094 |
| Total domestic deposits to total assets | 76.5166% | 4,546 |
| Equity capital to assets | 23.4555% | 149 |
| Core capital (leverage) ratio | 23.1657% | 151 |
| Tier 1 risk-based capital ratio | 53.6127% | 118 |
| Total risk-based capital ratio | 54.8666% | 118 |
| Memoranda: | ||
| Average total assets | $54,454,800 | 4,674 |
| Average earning assets | $52,203,800 | 4,637 |
| Average equity | $12,324,000 | 3,955 |
| Average total loans | $26,534,400 | 4,721 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 4,619 |
| Cost of funding earning assets | 0.1741% | 5,082 |
| Net interest margin | 3.6689% | 3,030 |
| Noninterest income to average assets | 0.4708% | 2,904 |
| Noninterest expense to average assets | 2.9002% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1171% | 2,504 |
| Return on assets (ROA) | 1.1171% | 2,595 |
| Pretax return on assets | 1.1171% | 3,254 |
| Return on Equity (ROE) | 4.9806% | 4,330 |
| Retained earnings to average equity (ytd only) | 0.9352% | 4,583 |
| Net charge-offs to loans | 0.0507% | 2,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 45.8102% | 1,255 |
| Efficiency ratio | 72.1919% | 1,806 |
| Assets per employee ($millions) | 4.1092% | 3,750 |
| Cash dividends to net income (ytd only)* | 81.2233% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,386 |
| Loan loss allowance to noncurrent loans | 981.5789% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 3,920 |
| Noncurrent loans to loans | 0.1481% | 4,009 |
| Net loans and leases to total assets | 47.3474% | 4,529 |
| Net loans and leases to deposits | 62.0154% | 4,290 |
| Net loans and leases to core deposits | 63.5742% | 4,393 |
| Total domestic deposits to total assets | 76.3478% | 4,606 |
| Equity capital to assets | 23.5024% | 149 |
| Core capital (leverage) ratio | 22.8177% | 161 |
| Tier 1 risk-based capital ratio | 58.6249% | 100 |
| Total risk-based capital ratio | 59.8815% | 99 |
| Memoranda: | ||
| Average total assets | $54,662,250 | 4,741 |
| Average earning assets | $52,838,750 | 4,693 |
| Average equity | $12,260,500 | 4,000 |
| Average total loans | $26,295,750 | 4,791 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7605% | 4,758 |
| Cost of funding earning assets | 0.1679% | 5,130 |
| Net interest margin | 3.5926% | 3,281 |
| Noninterest income to average assets | 0.4648% | 2,881 |
| Noninterest expense to average assets | 2.9051% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0567% | 2,694 |
| Return on assets (ROA) | 1.0567% | 2,760 |
| Pretax return on assets | 1.0567% | 3,363 |
| Return on Equity (ROE) | 4.7853% | 4,394 |
| Retained earnings to average equity (ytd only) | -1.3320% | 4,862 |
| Net charge-offs to loans | 0.0302% | 2,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 72.7500% | 872 |
| Efficiency ratio | 73.3272% | 1,730 |
| Assets per employee ($millions) | 4.2271% | 3,532 |
| Cash dividends to net income (ytd only)* | 127.8351% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,315 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 46.5879% | 4,622 |
| Net loans and leases to deposits | 60.0554% | 4,420 |
| Net loans and leases to core deposits | 61.4980% | 4,519 |
| Total domestic deposits to total assets | 77.5750% | 4,466 |
| Equity capital to assets | 22.3249% | 170 |
| Core capital (leverage) ratio | 22.1651% | 169 |
| Tier 1 risk-based capital ratio | 57.0113% | 99 |
| Total risk-based capital ratio | 58.2687% | 98 |
| Memoranda: | ||
| Average total assets | $55,076,330 | 4,771 |
| Average earning assets | $53,610,330 | 4,719 |
| Average equity | $12,162,330 | 4,019 |
| Average total loans | $26,505,670 | 4,820 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,798 |
| Cost of funding earning assets | 0.1639% | 5,192 |
| Net interest margin | 3.5753% | 3,346 |
| Noninterest income to average assets | 0.4788% | 2,688 |
| Noninterest expense to average assets | 2.9235% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0374% | 2,707 |
| Return on assets (ROA) | 1.0374% | 2,749 |
| Pretax return on assets | 1.0374% | 3,317 |
| Return on Equity (ROE) | 4.7236% | 4,403 |
| Retained earnings to average equity (ytd only) | -7.5643% | 5,020 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8095% | 1,777 |
| Assets per employee ($millions) | 3.9359% | 4,017 |
| Cash dividends to net income (ytd only)* | 260.1399% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,525 |
| Loan loss allowance to noncurrent loans | 1,063.8889% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 3,233 |
| Noncurrent loans to loans | 0.1357% | 4,131 |
| Net loans and leases to total assets | 47.4511% | 4,604 |
| Net loans and leases to deposits | 60.7829% | 4,372 |
| Net loans and leases to core deposits | 62.2296% | 4,459 |
| Total domestic deposits to total assets | 78.0665% | 4,504 |
| Equity capital to assets | 21.8718% | 178 |
| Core capital (leverage) ratio | 21.8524% | 173 |
| Tier 1 risk-based capital ratio | 55.4819% | 108 |
| Total risk-based capital ratio | 56.7390% | 104 |
| Memoranda: | ||
| Average total assets | $55,138,500 | 4,821 |
| Average earning assets | $53,701,500 | 4,769 |
| Average equity | $12,109,500 | 4,044 |
| Average total loans | $26,768,500 | 4,869 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 4,745 |
| Cost of funding earning assets | 0.1433% | 5,193 |
| Net interest margin | 3.5040% | 3,691 |
| Noninterest income to average assets | 0.5159% | 2,743 |
| Noninterest expense to average assets | 3.2153% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7137% | 4,105 |
| Return on assets (ROA) | 0.7137% | 4,108 |
| Pretax return on assets | 0.7137% | 4,377 |
| Return on Equity (ROE) | 3.3574% | 4,848 |
| Retained earnings to average equity (ytd only) | 0.2659% | 4,912 |
| Net charge-offs to loans | 0.0377% | 2,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 40.4000% | 1,292 |
| Efficiency ratio | 81.8345% | 816 |
| Assets per employee ($millions) | 3.9410% | 3,978 |
| Cash dividends to net income (ytd only)* | 92.0792% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 1,566 |
| Loan loss allowance to noncurrent loans | 383.0000% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 2,733 |
| Noncurrent loans to loans | 0.3703% | 3,212 |
| Net loans and leases to total assets | 48.2546% | 4,617 |
| Net loans and leases to deposits | 61.9249% | 4,383 |
| Net loans and leases to core deposits | 63.3995% | 4,478 |
| Total domestic deposits to total assets | 77.9244% | 4,505 |
| Equity capital to assets | 22.0521% | 171 |
| Core capital (leverage) ratio | 21.7981% | 170 |
| Tier 1 risk-based capital ratio | 55.1647% | 105 |
| Total risk-based capital ratio | 56.4182% | 102 |
| Memoranda: | ||
| Average total assets | $56,605,200 | 4,822 |
| Average earning assets | $55,136,400 | 4,768 |
| Average equity | $12,033,200 | 4,018 |
| Average total loans | $26,504,200 | 4,894 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 4,800 |
| Cost of funding earning assets | 0.1397% | 5,249 |
| Net interest margin | 3.4634% | 3,827 |
| Noninterest income to average assets | 0.4892% | 2,925 |
| Noninterest expense to average assets | 2.7783% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0767% | 2,761 |
| Return on assets (ROA) | 1.0767% | 2,768 |
| Pretax return on assets | 1.0767% | 3,482 |
| Return on Equity (ROE) | 5.1111% | 4,521 |
| Retained earnings to average equity (ytd only) | 0.9778% | 4,857 |
| Net charge-offs to loans | -0.0354% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0704% | 1,872 |
| Assets per employee ($millions) | 4.1056% | 3,718 |
| Cash dividends to net income (ytd only)* | 80.8697% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,271 |
| Loan loss allowance to noncurrent loans | 281.6901% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 3,338 |
| Noncurrent loans to loans | 0.5407% | 2,760 |
| Net loans and leases to total assets | 44.9921% | 4,840 |
| Net loans and leases to deposits | 57.0015% | 4,700 |
| Net loans and leases to core deposits | 58.2862% | 4,773 |
| Total domestic deposits to total assets | 78.9314% | 4,328 |
| Equity capital to assets | 20.9398% | 195 |
| Core capital (leverage) ratio | 21.3950% | 184 |
| Tier 1 risk-based capital ratio | 58.2562% | 89 |
| Total risk-based capital ratio | 59.5126% | 89 |
| Memoranda: | ||
| Average total assets | $56,963,000 | 4,868 |
| Average earning assets | $55,359,000 | 4,815 |
| Average equity | $11,999,750 | 4,059 |
| Average total loans | $26,378,500 | 4,955 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5550% | 4,842 |
| Cost of funding earning assets | 0.1378% | 5,293 |
| Net interest margin | 3.4172% | 3,902 |
| Noninterest income to average assets | 0.4825% | 2,960 |
| Noninterest expense to average assets | 2.8420% | 2,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9579% | 3,201 |
| Return on assets (ROA) | 0.9579% | 3,207 |
| Pretax return on assets | 0.9579% | 3,780 |
| Return on Equity (ROE) | 4.5380% | 4,683 |
| Retained earnings to average equity (ytd only) | -1.6684% | 5,123 |
| Net charge-offs to loans | -0.0227% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7915% | 1,596 |
| Assets per employee ($millions) | 4.1299% | 3,681 |
| Cash dividends to net income (ytd only)* | 136.7647% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,224 |
| Loan loss allowance to noncurrent loans | 557.7465% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 3,911 |
| Noncurrent loans to loans | 0.2787% | 3,707 |
| Net loans and leases to total assets | 43.3681% | 4,935 |
| Net loans and leases to deposits | 54.7107% | 4,816 |
| Net loans and leases to core deposits | 56.2838% | 4,855 |
| Total domestic deposits to total assets | 79.2681% | 4,380 |
| Equity capital to assets | 20.6282% | 202 |
| Core capital (leverage) ratio | 21.4450% | 177 |
| Tier 1 risk-based capital ratio | 59.9625% | 89 |
| Total risk-based capital ratio | 61.2214% | 89 |
| Memoranda: | ||
| Average total assets | $56,791,000 | 4,924 |
| Average earning assets | $55,133,000 | 4,876 |
| Average equity | $11,987,670 | 4,084 |
| Average total loans | $26,417,670 | 5,013 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5969% | 4,712 |
| Cost of funding earning assets | 0.1398% | 5,310 |
| Net interest margin | 3.4572% | 3,682 |
| Noninterest income to average assets | 0.5046% | 2,773 |
| Noninterest expense to average assets | 2.8999% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9453% | 3,090 |
| Return on assets (ROA) | 0.9453% | 3,108 |
| Pretax return on assets | 0.9453% | 3,717 |
| Return on Equity (ROE) | 4.4267% | 4,652 |
| Retained earnings to average equity (ytd only) | -7.9547% | 5,304 |
| Net charge-offs to loans | 0.1041% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,517 |
| Efficiency ratio | 75.4159% | 1,688 |
| Assets per employee ($millions) | 3.9611% | 4,040 |
| Cash dividends to net income (ytd only)* | 279.6992% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 1,609 |
| Loan loss allowance to noncurrent loans | 386.0000% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 3,974 |
| Noncurrent loans to loans | 0.3785% | 3,430 |
| Net loans and leases to total assets | 46.9399% | 4,758 |
| Net loans and leases to deposits | 59.7247% | 4,495 |
| Net loans and leases to core deposits | 61.5332% | 4,579 |
| Total domestic deposits to total assets | 78.5938% | 4,638 |
| Equity capital to assets | 21.3412% | 171 |
| Core capital (leverage) ratio | 21.3373% | 173 |
| Tier 1 risk-based capital ratio | 56.3253% | 98 |
| Total risk-based capital ratio | 57.5824% | 98 |
| Memoranda: | ||
| Average total assets | $56,277,000 | 4,996 |
| Average earning assets | $54,380,000 | 4,949 |
| Average equity | $12,018,000 | 4,120 |
| Average total loans | $26,891,000 | 5,046 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4707% | 4,829 |
| Cost of funding earning assets | 0.1514% | 5,253 |
| Net interest margin | 3.3192% | 4,099 |
| Noninterest income to average assets | 0.5880% | 2,503 |
| Noninterest expense to average assets | 3.0672% | 1,961 |
| Loan and lease loss provision to assets | 0.0942% | 2,318 |
| Net operating income to assets | 0.6386% | 3,860 |
| Return on assets (ROA) | 0.6386% | 3,893 |
| Pretax return on assets | 0.6386% | 4,654 |
| Return on Equity (ROE) | 2.9849% | 4,831 |
| Retained earnings to average equity (ytd only) | 0.5872% | 4,805 |
| Net charge-offs to loans | 0.1636% | 1,498 |
| Credit loss provision to net charge-offs | 122.7273% | 2,129 |
| Earnings coverage of net charge-offs (x) | 9.5455% | 2,771 |
| Efficiency ratio | 80.7163% | 1,042 |
| Assets per employee ($millions) | 4.0784% | 3,844 |
| Cash dividends to net income (ytd only)* | 80.3279% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,628 |
| Loan loss allowance to noncurrent loans | 802.0408% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 2,911 |
| Noncurrent loans to loans | 0.1791% | 4,204 |
| Net loans and leases to total assets | 47.2381% | 4,815 |
| Net loans and leases to deposits | 60.7464% | 4,519 |
| Net loans and leases to core deposits | 62.5510% | 4,626 |
| Total domestic deposits to total assets | 77.7628% | 4,754 |
| Equity capital to assets | 21.3685% | 169 |
| Core capital (leverage) ratio | 21.6942% | 154 |
| Tier 1 risk-based capital ratio | 54.3442% | 101 |
| Total risk-based capital ratio | 55.5999% | 99 |
| Memoranda: | ||
| Average total assets | $57,315,400 | 5,024 |
| Average earning assets | $55,464,400 | 4,964 |
| Average equity | $12,261,800 | 4,098 |
| Average total loans | $26,888,000 | 5,097 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 4,857 |
| Cost of funding earning assets | 0.1532% | 5,297 |
| Net interest margin | 3.3198% | 4,107 |
| Noninterest income to average assets | 0.4648% | 3,247 |
| Noninterest expense to average assets | 2.6820% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0063% | 2,524 |
| Return on assets (ROA) | 1.0063% | 2,563 |
| Pretax return on assets | 1.0063% | 3,662 |
| Return on Equity (ROE) | 4.7025% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.5096% | 4,816 |
| Net charge-offs to loans | 0.2042% | 1,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.5601% | 2,584 |
| Efficiency ratio | 72.7158% | 2,095 |
| Assets per employee ($millions) | 3.9862% | 4,015 |
| Cash dividends to net income (ytd only)* | 67.8982% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,424 |
| Loan loss allowance to noncurrent loans | 147.4138% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,363 |
| Noncurrent loans to loans | 0.8725% | 2,194 |
| Net loans and leases to total assets | 47.0317% | 4,882 |
| Net loans and leases to deposits | 61.8217% | 4,521 |
| Net loans and leases to core deposits | 63.7450% | 4,615 |
| Total domestic deposits to total assets | 76.0765% | 5,010 |
| Equity capital to assets | 22.2356% | 148 |
| Core capital (leverage) ratio | 21.5258% | 157 |
| Tier 1 risk-based capital ratio | 58.1049% | 88 |
| Total risk-based capital ratio | 59.3601% | 88 |
| Memoranda: | ||
| Average total assets | $57,369,750 | 5,071 |
| Average earning assets | $55,705,250 | 5,014 |
| Average equity | $12,277,000 | 4,130 |
| Average total loans | $26,768,750 | 5,155 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4583% | 4,855 |
| Cost of funding earning assets | 0.1565% | 5,296 |
| Net interest margin | 3.3018% | 4,101 |
| Noninterest income to average assets | 0.4595% | 3,292 |
| Noninterest expense to average assets | 2.7155% | 3,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9501% | 2,661 |
| Return on assets (ROA) | 0.9501% | 2,717 |
| Pretax return on assets | 0.9501% | 3,763 |
| Return on Equity (ROE) | 4.4960% | 4,667 |
| Retained earnings to average equity (ytd only) | -0.3106% | 5,126 |
| Net charge-offs to loans | 0.0522% | 2,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 39.2857% | 1,264 |
| Efficiency ratio | 74.0811% | 2,003 |
| Assets per employee ($millions) | 4.1853% | 3,650 |
| Cash dividends to net income (ytd only)* | 106.9091% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,772 |
| Loan loss allowance to noncurrent loans | 113.5952% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 2,877 |
| Noncurrent loans to loans | 1.2705% | 1,522 |
| Net loans and leases to total assets | 43.8219% | 5,048 |
| Net loans and leases to deposits | 55.5010% | 4,875 |
| Net loans and leases to core deposits | 57.0816% | 4,946 |
| Total domestic deposits to total assets | 78.9569% | 4,627 |
| Equity capital to assets | 20.9407% | 186 |
| Core capital (leverage) ratio | 21.0688% | 164 |
| Tier 1 risk-based capital ratio | 58.1857% | 90 |
| Total risk-based capital ratio | 59.4447% | 90 |
| Memoranda: | ||
| Average total assets | $57,890,670 | 5,104 |
| Average earning assets | $56,212,330 | 5,044 |
| Average equity | $12,233,000 | 4,151 |
| Average total loans | $26,828,670 | 5,194 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,593 |
| Cost of funding earning assets | 0.1648% | 5,268 |
| Net interest margin | 3.3687% | 3,770 |
| Noninterest income to average assets | 0.4936% | 3,023 |
| Noninterest expense to average assets | 2.7390% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0219% | 2,219 |
| Return on assets (ROA) | 1.0219% | 2,272 |
| Pretax return on assets | 1.0219% | 3,280 |
| Return on Equity (ROE) | 4.8140% | 4,472 |
| Retained earnings to average equity (ytd only) | -4.8140% | 5,374 |
| Net charge-offs to loans | -0.1029% | 5,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8281% | 2,440 |
| Assets per employee ($millions) | 4.0564% | 3,913 |
| Cash dividends to net income (ytd only)* | 200.0000% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,881 |
| Loan loss allowance to noncurrent loans | 127.8689% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 2,855 |
| Noncurrent loans to loans | 1.1302% | 1,806 |
| Net loans and leases to total assets | 46.8348% | 4,903 |
| Net loans and leases to deposits | 59.6198% | 4,591 |
| Net loans and leases to core deposits | 61.3824% | 4,698 |
| Total domestic deposits to total assets | 78.5557% | 4,899 |
| Equity capital to assets | 21.3791% | 158 |
| Core capital (leverage) ratio | 20.9041% | 167 |
| Tier 1 risk-based capital ratio | 54.9776% | 103 |
| Total risk-based capital ratio | 56.2346% | 101 |
| Memoranda: | ||
| Average total assets | $57,539,000 | 5,164 |
| Average earning assets | $55,808,500 | 5,109 |
| Average equity | $12,214,500 | 4,178 |
| Average total loans | $27,216,500 | 5,237 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 5,062 |
| Cost of funding earning assets | 0.1511% | 5,418 |
| Net interest margin | 3.2066% | 4,438 |
| Noninterest income to average assets | 0.5259% | 3,051 |
| Noninterest expense to average assets | 2.9841% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6379% | 4,052 |
| Return on assets (ROA) | 0.6379% | 4,162 |
| Pretax return on assets | 0.6379% | 4,684 |
| Return on Equity (ROE) | 3.0311% | 5,149 |
| Retained earnings to average equity (ytd only) | 0.6530% | 5,064 |
| Net charge-offs to loans | 0.0235% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 62.6667% | 861 |
| Efficiency ratio | 82.3888% | 1,158 |
| Assets per employee ($millions) | 3.8859% | 4,167 |
| Cash dividends to net income (ytd only)* | 78.4574% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 2,101 |
| Loan loss allowance to noncurrent loans | 109.7421% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 2,718 |
| Noncurrent loans to loans | 1.2716% | 1,609 |
| Net loans and leases to total assets | 46.4290% | 4,989 |
| Net loans and leases to deposits | 58.8518% | 4,742 |
| Net loans and leases to core deposits | 60.5382% | 4,836 |
| Total domestic deposits to total assets | 78.8914% | 4,818 |
| Equity capital to assets | 21.0812% | 174 |
| Core capital (leverage) ratio | 21.0338% | 167 |
| Tier 1 risk-based capital ratio | 54.5035% | 113 |
| Total risk-based capital ratio | 55.7615% | 112 |
| Memoranda: | ||
| Average total assets | $58,945,000 | 5,163 |
| Average earning assets | $56,913,000 | 5,104 |
| Average equity | $12,404,600 | 4,188 |
| Average total loans | $25,531,600 | 5,329 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 5,139 |
| Cost of funding earning assets | 0.1519% | 5,474 |
| Net interest margin | 3.1897% | 4,513 |
| Noninterest income to average assets | 0.5256% | 3,073 |
| Noninterest expense to average assets | 2.6098% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9948% | 2,459 |
| Return on assets (ROA) | 0.9948% | 2,598 |
| Pretax return on assets | 0.9948% | 3,651 |
| Return on Equity (ROE) | 4.7290% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.5656% | 4,884 |
| Net charge-offs to loans | -0.0266% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4030% | 2,515 |
| Assets per employee ($millions) | 4.1054% | 3,778 |
| Cash dividends to net income (ytd only)* | 66.8923% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 1,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,171 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 44.4098% | 5,164 |
| Net loans and leases to deposits | 57.0570% | 4,929 |
| Net loans and leases to core deposits | 58.7389% | 5,011 |
| Total domestic deposits to total assets | 77.8342% | 4,944 |
| Equity capital to assets | 22.0353% | 164 |
| Core capital (leverage) ratio | 20.7991% | 176 |
| Tier 1 risk-based capital ratio | 58.7933% | 89 |
| Total risk-based capital ratio | 60.0519% | 88 |
| Memoranda: | ||
| Average total assets | $59,109,000 | 5,204 |
| Average earning assets | $57,057,750 | 5,147 |
| Average equity | $12,433,750 | 4,216 |
| Average total loans | $25,053,000 | 5,402 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2952% | 5,298 |
| Cost of funding earning assets | 0.1499% | 5,549 |
| Net interest margin | 3.1453% | 4,706 |
| Noninterest income to average assets | 0.5532% | 2,885 |
| Noninterest expense to average assets | 2.5414% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0360% | 2,232 |
| Return on assets (ROA) | 1.0360% | 2,362 |
| Pretax return on assets | 1.0360% | 3,456 |
| Return on Equity (ROE) | 5.0013% | 4,519 |
| Retained earnings to average equity (ytd only) | 0.2266% | 5,237 |
| Net charge-offs to loans | -0.0242% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0403% | 2,815 |
| Assets per employee ($millions) | 4.3009% | 3,368 |
| Cash dividends to net income (ytd only)* | 95.4693% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 5,298 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 40.1581% | 5,412 |
| Net loans and leases to deposits | 50.9106% | 5,294 |
| Net loans and leases to core deposits | 52.3218% | 5,352 |
| Total domestic deposits to total assets | 78.8796% | 4,813 |
| Equity capital to assets | 21.0307% | 183 |
| Core capital (leverage) ratio | 20.0530% | 194 |
| Tier 1 risk-based capital ratio | 60.9802% | 87 |
| Total risk-based capital ratio | 62.2393% | 87 |
| Memoranda: | ||
| Average total assets | $59,653,330 | 5,247 |
| Average earning assets | $57,355,330 | 5,189 |
| Average equity | $12,356,670 | 4,257 |
| Average total loans | $24,764,330 | 5,471 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3525% | 5,221 |
| Cost of funding earning assets | 0.1553% | 5,571 |
| Net interest margin | 3.1972% | 4,590 |
| Noninterest income to average assets | 0.6467% | 2,283 |
| Noninterest expense to average assets | 2.6341% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0644% | 2,035 |
| Return on assets (ROA) | 1.0644% | 2,145 |
| Pretax return on assets | 1.0644% | 3,226 |
| Return on Equity (ROE) | 5.1788% | 4,410 |
| Retained earnings to average equity (ytd only) | -4.4905% | 5,582 |
| Net charge-offs to loans | 0.0161% | 2,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 381 |
| Efficiency ratio | 71.2204% | 2,914 |
| Assets per employee ($millions) | 4.3169% | 3,383 |
| Cash dividends to net income (ytd only)* | 186.7089% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 1,713 |
| Loan loss allowance to noncurrent loans | 657.6271% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 4,921 |
| Noncurrent loans to loans | 0.2388% | 4,576 |
| Net loans and leases to total assets | 40.2303% | 5,444 |
| Net loans and leases to deposits | 50.7239% | 5,302 |
| Net loans and leases to core deposits | 52.1167% | 5,348 |
| Total domestic deposits to total assets | 79.3123% | 4,899 |
| Equity capital to assets | 20.6215% | 192 |
| Core capital (leverage) ratio | 20.1368% | 192 |
| Tier 1 risk-based capital ratio | 60.0804% | 87 |
| Total risk-based capital ratio | 61.3367% | 87 |
| Memoranda: | ||
| Average total assets | $59,374,000 | 5,304 |
| Average earning assets | $56,674,000 | 5,243 |
| Average equity | $12,203,500 | 4,297 |
| Average total loans | $24,860,500 | 5,514 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3984% | 5,163 |
| Cost of funding earning assets | 0.1569% | 5,643 |
| Net interest margin | 3.2415% | 4,500 |
| Noninterest income to average assets | 0.5296% | 3,142 |
| Noninterest expense to average assets | 3.1018% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5542% | 4,478 |
| Return on assets (ROA) | 0.5542% | 4,572 |
| Pretax return on assets | 0.5542% | 4,976 |
| Return on Equity (ROE) | 2.5646% | 5,438 |
| Retained earnings to average equity (ytd only) | -0.3094% | 5,556 |
| Net charge-offs to loans | 0.1064% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.6000% | 2,445 |
| Efficiency ratio | 84.8412% | 1,107 |
| Assets per employee ($millions) | 4.1651% | 3,634 |
| Cash dividends to net income (ytd only)* | 112.0635% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,784 |
| Loan loss allowance to noncurrent loans | 195.4774% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 3,967 |
| Noncurrent loans to loans | 0.7954% | 2,805 |
| Net loans and leases to total assets | 42.2390% | 5,395 |
| Net loans and leases to deposits | 53.1392% | 5,209 |
| Net loans and leases to core deposits | 54.6495% | 5,273 |
| Total domestic deposits to total assets | 79.4876% | 4,871 |
| Equity capital to assets | 20.4833% | 196 |
| Core capital (leverage) ratio | 21.2706% | 151 |
| Tier 1 risk-based capital ratio | 57.8502% | 93 |
| Total risk-based capital ratio | 59.1083% | 92 |
| Memoranda: | ||
| Average total assets | $56,838,600 | 5,387 |
| Average earning assets | $54,819,600 | 5,326 |
| Average equity | $12,282,800 | 4,248 |
| Average total loans | $23,492,800 | 5,607 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3715% | 5,271 |
| Cost of funding earning assets | 0.1552% | 5,743 |
| Net interest margin | 3.2163% | 4,625 |
| Noninterest income to average assets | 0.5218% | 3,216 |
| Noninterest expense to average assets | 2.7577% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8948% | 2,988 |
| Return on assets (ROA) | 0.8948% | 3,074 |
| Pretax return on assets | 0.8948% | 3,995 |
| Return on Equity (ROE) | 4.0859% | 4,998 |
| Retained earnings to average equity (ytd only) | 0.2803% | 5,523 |
| Net charge-offs to loans | -0.0577% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5010% | 2,317 |
| Assets per employee ($millions) | 3.9568% | 3,960 |
| Cash dividends to net income (ytd only)* | 93.1390% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 1,248 |
| Loan loss allowance to noncurrent loans | 328.6822% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 4,558 |
| Noncurrent loans to loans | 0.5502% | 3,691 |
| Net loans and leases to total assets | 41.5561% | 5,512 |
| Net loans and leases to deposits | 53.7938% | 5,265 |
| Net loans and leases to core deposits | 55.4538% | 5,335 |
| Total domestic deposits to total assets | 77.2507% | 5,306 |
| Equity capital to assets | 22.6158% | 138 |
| Core capital (leverage) ratio | 21.6490% | 150 |
| Tier 1 risk-based capital ratio | 65.4447% | 82 |
| Total risk-based capital ratio | 66.7097% | 82 |
| Memoranda: | ||
| Average total assets | $56,470,500 | 5,466 |
| Average earning assets | $54,969,500 | 5,387 |
| Average equity | $12,367,500 | 4,286 |
| Average total loans | $23,111,250 | 5,690 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3472% | 5,348 |
| Cost of funding earning assets | 0.1556% | 5,813 |
| Net interest margin | 3.1916% | 4,687 |
| Noninterest income to average assets | 0.5244% | 3,201 |
| Noninterest expense to average assets | 2.6606% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9678% | 2,546 |
| Return on assets (ROA) | 0.9678% | 2,656 |
| Pretax return on assets | 0.9678% | 3,707 |
| Return on Equity (ROE) | 4.4665% | 4,828 |
| Retained earnings to average equity (ytd only) | -1.2669% | 5,733 |
| Net charge-offs to loans | -0.1043% | 5,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3269% | 2,779 |
| Assets per employee ($millions) | 4.0653% | 3,756 |
| Cash dividends to net income (ytd only)* | 128.3636% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 1,223 |
| Loan loss allowance to noncurrent loans | 278.4314% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 4,524 |
| Noncurrent loans to loans | 0.6718% | 3,466 |
| Net loans and leases to total assets | 39.2698% | 5,674 |
| Net loans and leases to deposits | 50.0807% | 5,504 |
| Net loans and leases to core deposits | 51.8610% | 5,543 |
| Total domestic deposits to total assets | 78.4130% | 5,199 |
| Equity capital to assets | 21.4956% | 167 |
| Core capital (leverage) ratio | 21.1093% | 163 |
| Tier 1 risk-based capital ratio | 67.3277% | 79 |
| Total risk-based capital ratio | 68.5901% | 79 |
| Memoranda: | ||
| Average total assets | $56,829,000 | 5,521 |
| Average earning assets | $55,270,000 | 5,433 |
| Average equity | $12,314,000 | 4,324 |
| Average total loans | $23,000,330 | 5,745 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 5,320 |
| Cost of funding earning assets | 0.1524% | 5,915 |
| Net interest margin | 3.2013% | 4,607 |
| Noninterest income to average assets | 0.4649% | 3,537 |
| Noninterest expense to average assets | 2.7049% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8664% | 2,920 |
| Return on assets (ROA) | 0.8664% | 3,035 |
| Pretax return on assets | 0.8664% | 4,003 |
| Return on Equity (ROE) | 3.9825% | 4,989 |
| Retained earnings to average equity (ytd only) | -7.4470% | 6,053 |
| Net charge-offs to loans | -0.0692% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7396% | 2,549 |
| Assets per employee ($millions) | 4.0915% | 3,772 |
| Cash dividends to net income (ytd only)* | 286.9919% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8320% | 1,429 |
| Loan loss allowance to noncurrent loans | 223.5294% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 4,100 |
| Noncurrent loans to loans | 0.8196% | 3,196 |
| Net loans and leases to total assets | 39.1037% | 5,658 |
| Net loans and leases to deposits | 49.8132% | 5,470 |
| Net loans and leases to core deposits | 51.5702% | 5,515 |
| Total domestic deposits to total assets | 78.5007% | 5,353 |
| Equity capital to assets | 21.4329% | 174 |
| Core capital (leverage) ratio | 20.9573% | 172 |
| Tier 1 risk-based capital ratio | 65.5847% | 90 |
| Total risk-based capital ratio | 66.8302% | 91 |
| Memoranda: | ||
| Average total assets | $56,786,500 | 5,576 |
| Average earning assets | $55,102,500 | 5,490 |
| Average equity | $12,354,000 | 4,347 |
| Average total loans | $23,112,500 | 5,786 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6339% | 4,987 |
| Cost of funding earning assets | 0.1651% | 6,009 |
| Net interest margin | 3.4688% | 3,903 |
| Noninterest income to average assets | 0.5123% | 3,404 |
| Noninterest expense to average assets | 3.1152% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6718% | 4,023 |
| Return on assets (ROA) | 0.6718% | 4,134 |
| Pretax return on assets | 0.6718% | 4,721 |
| Return on Equity (ROE) | 3.0690% | 5,457 |
| Retained earnings to average equity (ytd only) | -0.1309% | 5,792 |
| Net charge-offs to loans | 0.2439% | 1,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.6964% | 3,152 |
| Efficiency ratio | 82.2611% | 1,634 |
| Assets per employee ($millions) | 4.0209% | 3,904 |
| Cash dividends to net income (ytd only)* | 104.2667% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 1,601 |
| Loan loss allowance to noncurrent loans | 475.8621% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 4,792 |
| Noncurrent loans to loans | 0.3717% | 4,537 |
| Net loans and leases to total assets | 40.8477% | 5,694 |
| Net loans and leases to deposits | 52.4450% | 5,450 |
| Net loans and leases to core deposits | 54.3452% | 5,484 |
| Total domestic deposits to total assets | 77.8867% | 5,460 |
| Equity capital to assets | 22.0831% | 149 |
| Core capital (leverage) ratio | 21.5586% | 152 |
| Tier 1 risk-based capital ratio | 58.8512% | 95 |
| Total risk-based capital ratio | 60.1126% | 94 |
| Memoranda: | ||
| Average total assets | $55,822,800 | 5,655 |
| Average earning assets | $52,698,800 | 5,601 |
| Average equity | $12,218,800 | 4,320 |
| Average total loans | $22,961,000 | 5,855 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6914% | 4,886 |
| Cost of funding earning assets | 0.1657% | 6,088 |
| Net interest margin | 3.5257% | 3,731 |
| Noninterest income to average assets | 0.5553% | 3,167 |
| Noninterest expense to average assets | 2.8937% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9718% | 2,588 |
| Return on assets (ROA) | 0.9718% | 2,654 |
| Pretax return on assets | 0.9718% | 3,710 |
| Return on Equity (ROE) | 4.4495% | 4,988 |
| Retained earnings to average equity (ytd only) | 0.1644% | 5,754 |
| Net charge-offs to loans | 0.3501% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.7665% | 3,032 |
| Efficiency ratio | 74.8607% | 2,683 |
| Assets per employee ($millions) | 3.7499% | 4,396 |
| Cash dividends to net income (ytd only)* | 96.3053% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8386% | 1,604 |
| Loan loss allowance to noncurrent loans | 539.4737% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 5,095 |
| Noncurrent loans to loans | 0.3408% | 4,876 |
| Net loans and leases to total assets | 38.9169% | 5,891 |
| Net loans and leases to deposits | 49.9566% | 5,651 |
| Net loans and leases to core deposits | 51.7763% | 5,695 |
| Total domestic deposits to total assets | 77.9014% | 5,551 |
| Equity capital to assets | 21.9439% | 161 |
| Core capital (leverage) ratio | 21.5780% | 153 |
| Tier 1 risk-based capital ratio | 61.5829% | 86 |
| Total risk-based capital ratio | 62.8437% | 87 |
| Memoranda: | ||
| Average total assets | $55,705,500 | 5,719 |
| Average earning assets | $52,300,000 | 5,672 |
| Average equity | $12,165,750 | 4,351 |
| Average total loans | $22,849,250 | 5,921 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 4,504 |
| Cost of funding earning assets | 0.1707% | 6,133 |
| Net interest margin | 3.6350% | 3,212 |
| Noninterest income to average assets | 0.5583% | 3,060 |
| Noninterest expense to average assets | 2.7952% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1382% | 1,792 |
| Return on assets (ROA) | 1.1382% | 1,877 |
| Pretax return on assets | 1.1382% | 2,934 |
| Return on Equity (ROE) | 5.2203% | 4,573 |
| Retained earnings to average equity (ytd only) | -1.2390% | 5,890 |
| Net charge-offs to loans | 0.0347% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 672 |
| Efficiency ratio | 71.0623% | 3,489 |
| Assets per employee ($millions) | 4.7064% | 2,598 |
| Cash dividends to net income (ytd only)* | 123.7342% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 1,289 |
| Loan loss allowance to noncurrent loans | 237.7551% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 4,759 |
| Noncurrent loans to loans | 0.8592% | 3,554 |
| Net loans and leases to total assets | 39.5683% | 5,853 |
| Net loans and leases to deposits | 50.3583% | 5,613 |
| Net loans and leases to core deposits | 52.1675% | 5,657 |
| Total domestic deposits to total assets | 78.5736% | 5,536 |
| Equity capital to assets | 21.3078% | 167 |
| Core capital (leverage) ratio | 21.5938% | 143 |
| Tier 1 risk-based capital ratio | 57.2947% | 101 |
| Total risk-based capital ratio | 58.5572% | 99 |
| Memoranda: | ||
| Average total assets | $55,524,670 | 5,775 |
| Average earning assets | $51,554,000 | 5,743 |
| Average equity | $12,106,670 | 4,376 |
| Average total loans | $23,032,330 | 5,960 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,776 |
| Cost of funding earning assets | 0.1657% | 6,259 |
| Net interest margin | 3.5543% | 3,464 |
| Noninterest income to average assets | 0.6612% | 2,397 |
| Noninterest expense to average assets | 3.0737% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0173% | 2,143 |
| Return on assets (ROA) | 1.0173% | 2,207 |
| Pretax return on assets | 1.0173% | 3,260 |
| Return on Equity (ROE) | 4.6117% | 4,736 |
| Retained earnings to average equity (ytd only) | -8.2681% | 6,297 |
| Net charge-offs to loans | -0.0864% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1332% | 2,942 |
| Assets per employee ($millions) | 4.6111% | 2,796 |
| Cash dividends to net income (ytd only)* | 279.2857% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 1,377 |
| Loan loss allowance to noncurrent loans | 263.8889% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 4,840 |
| Noncurrent loans to loans | 0.7866% | 3,899 |
| Net loans and leases to total assets | 40.4984% | 5,774 |
| Net loans and leases to deposits | 51.7481% | 5,471 |
| Net loans and leases to core deposits | 53.6627% | 5,524 |
| Total domestic deposits to total assets | 78.2607% | 5,794 |
| Equity capital to assets | 21.6471% | 156 |
| Core capital (leverage) ratio | 21.6098% | 142 |
| Tier 1 risk-based capital ratio | 57.9473% | 98 |
| Total risk-based capital ratio | 59.2089% | 97 |
| Memoranda: | ||
| Average total assets | $55,048,500 | 5,844 |
| Average earning assets | $53,119,500 | 5,759 |
| Average equity | $12,143,000 | 4,395 |
| Average total loans | $23,142,000 | 6,015 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9470% | 4,295 |
| Cost of funding earning assets | 0.1793% | 6,398 |
| Net interest margin | 3.7677% | 2,770 |
| Noninterest income to average assets | 0.5182% | 3,643 |
| Noninterest expense to average assets | 3.1236% | 2,664 |
| Loan and lease loss provision to assets | 0.0897% | 3,318 |
| Net operating income to assets | 0.8464% | 3,058 |
| Return on assets (ROA) | 0.8464% | 3,134 |
| Pretax return on assets | 0.8464% | 3,980 |
| Return on Equity (ROE) | 3.7776% | 5,204 |
| Retained earnings to average equity (ytd only) | 0.6483% | 5,542 |
| Net charge-offs to loans | 0.1005% | 3,834 |
| Credit loss provision to net charge-offs | 217.3913% | 1,063 |
| Earnings coverage of net charge-offs (x) | 22.6957% | 1,441 |
| Efficiency ratio | 76.9435% | 2,627 |
| Assets per employee ($millions) | 4.2126% | 3,421 |
| Cash dividends to net income (ytd only)* | 82.8390% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 1,522 |
| Loan loss allowance to noncurrent loans | 796.6102% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 5,632 |
| Noncurrent loans to loans | 0.2521% | 5,429 |
| Net loans and leases to total assets | 41.8706% | 5,832 |
| Net loans and leases to deposits | 54.0394% | 5,464 |
| Net loans and leases to core deposits | 56.0800% | 5,529 |
| Total domestic deposits to total assets | 77.4816% | 5,900 |
| Equity capital to assets | 22.4746% | 134 |
| Core capital (leverage) ratio | 22.0007% | 135 |
| Tier 1 risk-based capital ratio | 58.1363% | 94 |
| Total risk-based capital ratio | 59.3998% | 91 |
| Memoranda: | ||
| Average total assets | $55,768,800 | 5,882 |
| Average earning assets | $52,419,000 | 5,822 |
| Average equity | $12,494,600 | 4,356 |
| Average total loans | $22,893,000 | 6,082 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9984% | 4,139 |
| Cost of funding earning assets | 0.1830% | 6,485 |
| Net interest margin | 3.8154% | 2,588 |
| Noninterest income to average assets | 0.4998% | 3,808 |
| Noninterest expense to average assets | 2.7942% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2781% | 1,403 |
| Return on assets (ROA) | 1.2781% | 1,473 |
| Pretax return on assets | 1.2781% | 2,416 |
| Return on Equity (ROE) | 5.7090% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.5522% | 5,354 |
| Net charge-offs to loans | 0.0469% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 67.1022% | 681 |
| Efficiency ratio | 68.6148% | 3,973 |
| Assets per employee ($millions) | 3.9756% | 3,885 |
| Cash dividends to net income (ytd only)* | 72.8121% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 1,870 |
| Loan loss allowance to noncurrent loans | 713.1148% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 5,902 |
| Noncurrent loans to loans | 0.2727% | 5,553 |
| Net loans and leases to total assets | 39.4150% | 6,077 |
| Net loans and leases to deposits | 50.9381% | 5,778 |
| Net loans and leases to core deposits | 52.8334% | 5,840 |
| Total domestic deposits to total assets | 77.3783% | 5,992 |
| Equity capital to assets | 22.4690% | 131 |
| Core capital (leverage) ratio | 21.7272% | 142 |
| Tier 1 risk-based capital ratio | 60.1992% | 89 |
| Total risk-based capital ratio | 61.4611% | 89 |
| Memoranda: | ||
| Average total assets | $56,020,000 | 5,933 |
| Average earning assets | $52,452,750 | 5,888 |
| Average equity | $12,541,250 | 4,391 |
| Average total loans | $22,766,250 | 6,152 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,985 |
| Cost of funding earning assets | 0.1860% | 6,543 |
| Net interest margin | 3.8493% | 2,379 |
| Noninterest income to average assets | 0.5094% | 3,770 |
| Noninterest expense to average assets | 2.8286% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2932% | 1,340 |
| Return on assets (ROA) | 1.2932% | 1,431 |
| Pretax return on assets | 1.2932% | 2,323 |
| Return on Equity (ROE) | 5.7835% | 4,299 |
| Retained earnings to average equity (ytd only) | -0.4461% | 5,950 |
| Net charge-offs to loans | 0.1136% | 3,227 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 27.9231% | 1,203 |
| Efficiency ratio | 68.6258% | 4,075 |
| Assets per employee ($millions) | 4.0537% | 3,685 |
| Cash dividends to net income (ytd only)* | 107.7135% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9268% | 2,031 |
| Loan loss allowance to noncurrent loans | 174.0891% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 5,006 |
| Noncurrent loans to loans | 1.1068% | 3,719 |
| Net loans and leases to total assets | 38.5660% | 6,136 |
| Net loans and leases to deposits | 49.4041% | 5,891 |
| Net loans and leases to core deposits | 51.1905% | 5,944 |
| Total domestic deposits to total assets | 78.0624% | 5,966 |
| Equity capital to assets | 21.8248% | 144 |
| Core capital (leverage) ratio | 21.2509% | 137 |
| Tier 1 risk-based capital ratio | 58.8138% | 93 |
| Total risk-based capital ratio | 60.0743% | 93 |
| Memoranda: | ||
| Average total assets | $56,140,330 | 5,971 |
| Average earning assets | $52,684,330 | 5,914 |
| Average equity | $12,553,000 | 4,416 |
| Average total loans | $22,897,330 | 6,175 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 3,619 |
| Cost of funding earning assets | 0.1886% | 6,627 |
| Net interest margin | 3.9374% | 1,990 |
| Noninterest income to average assets | 0.5301% | 3,571 |
| Noninterest expense to average assets | 2.8943% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3755% | 1,085 |
| Return on assets (ROA) | 1.3755% | 1,174 |
| Pretax return on assets | 1.3755% | 1,941 |
| Return on Equity (ROE) | 6.0776% | 4,000 |
| Retained earnings to average equity (ytd only) | -6.2992% | 6,433 |
| Net charge-offs to loans | -0.0345% | 5,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7852% | 4,348 |
| Assets per employee ($millions) | 4.0387% | 3,867 |
| Cash dividends to net income (ytd only)* | 203.6458% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 2,130 |
| Loan loss allowance to noncurrent loans | 7,416.6667% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 5,199 |
| Noncurrent loans to loans | 0.0265% | 6,414 |
| Net loans and leases to total assets | 39.2204% | 6,062 |
| Net loans and leases to deposits | 50.4527% | 5,752 |
| Net loans and leases to core deposits | 52.3044% | 5,798 |
| Total domestic deposits to total assets | 77.7369% | 6,153 |
| Equity capital to assets | 22.1906% | 146 |
| Core capital (leverage) ratio | 21.2537% | 154 |
| Tier 1 risk-based capital ratio | 57.4757% | 100 |
| Total risk-based capital ratio | 58.7349% | 99 |
| Memoranda: | ||
| Average total assets | $55,834,500 | 6,025 |
| Average earning assets | $53,030,000 | 5,944 |
| Average equity | $12,636,500 | 4,446 |
| Average total loans | $23,187,500 | 6,208 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 4,492 |
| Cost of funding earning assets | 0.2401% | 6,712 |
| Net interest margin | 3.9852% | 2,459 |
| Noninterest income to average assets | 0.4672% | 4,121 |
| Noninterest expense to average assets | 3.1489% | 2,773 |
| Loan and lease loss provision to assets | 0.1790% | 3,388 |
| Net operating income to assets | 0.9130% | 2,753 |
| Return on assets (ROA) | 0.9130% | 2,990 |
| Pretax return on assets | 0.9130% | 3,879 |
| Return on Equity (ROE) | 3.9713% | 5,156 |
| Retained earnings to average equity (ytd only) | 0.9266% | 5,407 |
| Net charge-offs to loans | 0.4185% | 2,568 |
| Credit loss provision to net charge-offs | 105.2632% | 2,830 |
| Earnings coverage of net charge-offs (x) | 6.4211% | 2,815 |
| Efficiency ratio | 74.2507% | 3,028 |
| Assets per employee ($millions) | 3.4454% | 5,117 |
| Cash dividends to net income (ytd only)* | 76.6667% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 2,403 |
| Loan loss allowance to noncurrent loans | 174.4094% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 5,265 |
| Noncurrent loans to loans | 1.0693% | 4,061 |
| Net loans and leases to total assets | 42.2860% | 5,974 |
| Net loans and leases to deposits | 55.0060% | 5,551 |
| Net loans and leases to core deposits | 57.1012% | 5,623 |
| Total domestic deposits to total assets | 76.8752% | 6,245 |
| Equity capital to assets | 23.0849% | 124 |
| Core capital (leverage) ratio | 21.9051% | 141 |
| Tier 1 risk-based capital ratio | 57.5284% | 105 |
| Total risk-based capital ratio | 58.7871% | 103 |
| Memoranda: | ||
| Average total assets | $55,861,000 | 6,027 |
| Average earning assets | $52,895,600 | 5,960 |
| Average equity | $12,842,000 | 4,392 |
| Average total loans | $22,702,000 | 6,312 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 4,629 |
| Cost of funding earning assets | 0.2480% | 6,816 |
| Net interest margin | 4.0063% | 2,482 |
| Noninterest income to average assets | 0.4592% | 4,218 |
| Noninterest expense to average assets | 2.8477% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3774% | 1,273 |
| Return on assets (ROA) | 1.3774% | 1,406 |
| Pretax return on assets | 1.3774% | 2,315 |
| Return on Equity (ROE) | 5.9978% | 4,332 |
| Retained earnings to average equity (ytd only) | 1.9475% | 5,354 |
| Net charge-offs to loans | -0.0832% | 6,816 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3986% | 4,198 |
| Assets per employee ($millions) | 3.4399% | 5,116 |
| Cash dividends to net income (ytd only)* | 67.5302% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 2,146 |
| Loan loss allowance to noncurrent loans | 135.3293% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 5,072 |
| Noncurrent loans to loans | 1.4844% | 3,562 |
| Net loans and leases to total assets | 40.0596% | 6,277 |
| Net loans and leases to deposits | 52.3606% | 5,951 |
| Net loans and leases to core deposits | 54.3737% | 6,018 |
| Total domestic deposits to total assets | 76.5071% | 6,315 |
| Equity capital to assets | 23.3402% | 132 |
| Core capital (leverage) ratio | 21.6279% | 150 |
| Tier 1 risk-based capital ratio | 61.2477% | 92 |
| Total risk-based capital ratio | 62.5095% | 91 |
| Memoranda: | ||
| Average total assets | $56,044,500 | 6,090 |
| Average earning assets | $52,682,750 | 6,037 |
| Average equity | $12,871,000 | 4,422 |
| Average total loans | $22,439,000 | 6,399 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 4,660 |
| Cost of funding earning assets | 0.2649% | 6,857 |
| Net interest margin | 4.0117% | 2,454 |
| Noninterest income to average assets | 0.4895% | 3,992 |
| Noninterest expense to average assets | 2.8343% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4154% | 1,159 |
| Return on assets (ROA) | 1.4154% | 1,293 |
| Pretax return on assets | 1.4154% | 2,145 |
| Return on Equity (ROE) | 6.1960% | 4,214 |
| Retained earnings to average equity (ytd only) | 0.1242% | 5,997 |
| Net charge-offs to loans | -0.0714% | 6,769 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6945% | 4,382 |
| Assets per employee ($millions) | 3.5736% | 4,808 |
| Cash dividends to net income (ytd only)* | 97.9950% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 2,207 |
| Loan loss allowance to noncurrent loans | 124.5810% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 4,934 |
| Noncurrent loans to loans | 1.6115% | 3,490 |
| Net loans and leases to total assets | 38.0730% | 6,473 |
| Net loans and leases to deposits | 49.1744% | 6,229 |
| Net loans and leases to core deposits | 51.4585% | 6,272 |
| Total domestic deposits to total assets | 77.4245% | 6,262 |
| Equity capital to assets | 22.4408% | 144 |
| Core capital (leverage) ratio | 21.1309% | 159 |
| Tier 1 risk-based capital ratio | 59.1305% | 99 |
| Total risk-based capital ratio | 60.3917% | 95 |
| Memoranda: | ||
| Average total assets | $56,380,000 | 6,129 |
| Average earning assets | $52,845,330 | 6,069 |
| Average equity | $12,879,330 | 4,416 |
| Average total loans | $22,418,670 | 6,442 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 4,736 |
| Cost of funding earning assets | 0.2716% | 6,939 |
| Net interest margin | 4.0287% | 2,378 |
| Noninterest income to average assets | 0.6073% | 3,183 |
| Noninterest expense to average assets | 2.9152% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5076% | 1,006 |
| Return on assets (ROA) | 1.5076% | 1,125 |
| Pretax return on assets | 1.5076% | 1,850 |
| Return on Equity (ROE) | 6.5409% | 4,013 |
| Retained earnings to average equity (ytd only) | -5.5489% | 6,622 |
| Net charge-offs to loans | -0.1599% | 6,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9128% | 4,568 |
| Assets per employee ($millions) | 3.4984% | 5,124 |
| Cash dividends to net income (ytd only)* | 184.8341% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9917% | 2,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 6,291 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 39.2968% | 6,403 |
| Net loans and leases to deposits | 50.9709% | 6,072 |
| Net loans and leases to core deposits | 53.4026% | 6,105 |
| Total domestic deposits to total assets | 77.0965% | 6,391 |
| Equity capital to assets | 22.8106% | 129 |
| Core capital (leverage) ratio | 21.0210% | 160 |
| Tier 1 risk-based capital ratio | 57.7287% | 102 |
| Total risk-based capital ratio | 58.9895% | 101 |
| Memoranda: | ||
| Average total assets | $55,981,500 | 6,176 |
| Average earning assets | $53,019,000 | 6,098 |
| Average equity | $12,903,500 | 4,420 |
| Average total loans | $22,520,500 | 6,488 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 5,607 |
| Cost of funding earning assets | 0.3617% | 6,980 |
| Net interest margin | 3.9866% | 2,952 |
| Noninterest income to average assets | 0.4459% | 4,255 |
| Noninterest expense to average assets | 3.2338% | 2,752 |
| Loan and lease loss provision to assets | 0.1813% | 4,382 |
| Net operating income to assets | 0.8066% | 3,008 |
| Return on assets (ROA) | 0.8066% | 3,172 |
| Pretax return on assets | 0.8066% | 3,960 |
| Return on Equity (ROE) | 3.4537% | 5,095 |
| Retained earnings to average equity (ytd only) | 0.4191% | 5,635 |
| Net charge-offs to loans | 0.1917% | 4,608 |
| Credit loss provision to net charge-offs | 238.0952% | 1,020 |
| Earnings coverage of net charge-offs (x) | 12.9762% | 1,577 |
| Efficiency ratio | 76.5994% | 2,812 |
| Assets per employee ($millions) | 3.4993% | 5,014 |
| Cash dividends to net income (ytd only)* | 87.8652% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9382% | 2,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 6,378 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.5792% | 6,567 |
| Net loans and leases to deposits | 51.6346% | 6,243 |
| Net loans and leases to core deposits | 54.1108% | 6,297 |
| Total domestic deposits to total assets | 76.6526% | 6,384 |
| Equity capital to assets | 23.2885% | 125 |
| Core capital (leverage) ratio | 21.5673% | 149 |
| Tier 1 risk-based capital ratio | 58.2269% | 101 |
| Total risk-based capital ratio | 59.4941% | 99 |
| Memoranda: | ||
| Average total assets | $55,166,800 | 6,195 |
| Average earning assets | $52,250,200 | 6,115 |
| Average equity | $12,884,800 | 4,359 |
| Average total loans | $21,909,600 | 6,562 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 5,536 |
| Cost of funding earning assets | 0.3868% | 7,043 |
| Net interest margin | 4.0343% | 2,761 |
| Noninterest income to average assets | 0.4536% | 4,269 |
| Noninterest expense to average assets | 2.8359% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4386% | 1,081 |
| Return on assets (ROA) | 1.4386% | 1,152 |
| Pretax return on assets | 1.4386% | 1,821 |
| Return on Equity (ROE) | 6.1547% | 3,949 |
| Retained earnings to average equity (ytd only) | 2.0966% | 5,091 |
| Net charge-offs to loans | 0.0061% | 6,090 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 594.4737% | 60 |
| Efficiency ratio | 66.3451% | 4,650 |
| Assets per employee ($millions) | 3.4249% | 5,180 |
| Cash dividends to net income (ytd only)* | 65.9356% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 3,194 |
| Loan loss allowance to noncurrent loans | 188.5572% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 5,603 |
| Noncurrent loans to loans | 0.9138% | 5,041 |
| Net loans and leases to total assets | 39.4496% | 6,675 |
| Net loans and leases to deposits | 52.1205% | 6,353 |
| Net loans and leases to core deposits | 54.7277% | 6,407 |
| Total domestic deposits to total assets | 75.6893% | 6,566 |
| Equity capital to assets | 24.1391% | 126 |
| Core capital (leverage) ratio | 22.0647% | 150 |
| Tier 1 risk-based capital ratio | 60.9473% | 106 |
| Total risk-based capital ratio | 62.2071% | 105 |
| Memoranda: | ||
| Average total assets | $54,961,250 | 6,245 |
| Average earning assets | $52,052,750 | 6,171 |
| Average equity | $12,846,250 | 4,377 |
| Average total loans | $21,737,500 | 6,632 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 5,723 |
| Cost of funding earning assets | 0.3964% | 7,132 |
| Net interest margin | 3.9952% | 2,859 |
| Noninterest income to average assets | 0.4144% | 4,556 |
| Noninterest expense to average assets | 2.7810% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4069% | 1,066 |
| Return on assets (ROA) | 1.4069% | 1,128 |
| Pretax return on assets | 1.4069% | 1,781 |
| Return on Equity (ROE) | 6.0854% | 3,923 |
| Retained earnings to average equity (ytd only) | -0.0629% | 5,850 |
| Net charge-offs to loans | -0.1478% | 7,250 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4063% | 4,797 |
| Assets per employee ($millions) | 3.4270% | 5,132 |
| Cash dividends to net income (ytd only)* | 101.0336% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 2,826 |
| Loan loss allowance to noncurrent loans | 430.4348% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 6,366 |
| Noncurrent loans to loans | 0.4298% | 6,045 |
| Net loans and leases to total assets | 38.3134% | 6,844 |
| Net loans and leases to deposits | 50.0465% | 6,589 |
| Net loans and leases to core deposits | 52.5161% | 6,634 |
| Total domestic deposits to total assets | 76.5557% | 6,514 |
| Equity capital to assets | 23.3021% | 147 |
| Core capital (leverage) ratio | 21.5673% | 168 |
| Tier 1 risk-based capital ratio | 60.0091% | 109 |
| Total risk-based capital ratio | 61.2659% | 109 |
| Memoranda: | ||
| Average total assets | $55,015,330 | 6,296 |
| Average earning assets | $51,962,670 | 6,223 |
| Average equity | $12,719,000 | 4,397 |
| Average total loans | $21,651,000 | 6,707 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 5,751 |
| Cost of funding earning assets | 0.3984% | 7,228 |
| Net interest margin | 3.9838% | 2,755 |
| Noninterest income to average assets | 0.4355% | 4,411 |
| Noninterest expense to average assets | 3.0849% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1251% | 1,753 |
| Return on assets (ROA) | 1.1251% | 1,796 |
| Pretax return on assets | 1.1251% | 2,665 |
| Return on Equity (ROE) | 4.8857% | 4,460 |
| Retained earnings to average equity (ytd only) | -7.4389% | 6,707 |
| Net charge-offs to loans | -0.3858% | 7,381 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2759% | 3,638 |
| Assets per employee ($millions) | 3.4636% | 5,083 |
| Cash dividends to net income (ytd only)* | 252.2581% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 6,821 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 38.6679% | 6,864 |
| Net loans and leases to deposits | 50.0280% | 6,619 |
| Net loans and leases to core deposits | 52.4449% | 6,657 |
| Total domestic deposits to total assets | 77.2926% | 6,487 |
| Equity capital to assets | 22.6064% | 155 |
| Core capital (leverage) ratio | 21.1534% | 183 |
| Tier 1 risk-based capital ratio | 57.2319% | 116 |
| Total risk-based capital ratio | 58.5379% | 114 |
| Memoranda: | ||
| Average total assets | $55,107,000 | 6,342 |
| Average earning assets | $52,211,000 | 6,263 |
| Average equity | $12,690,000 | 4,404 |
| Average total loans | $21,774,500 | 6,753 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 6,523 |
| Cost of funding earning assets | 0.4567% | 7,356 |
| Net interest margin | 3.9902% | 3,061 |
| Noninterest income to average assets | 0.4241% | 4,718 |
| Noninterest expense to average assets | 3.4057% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8205% | 2,709 |
| Return on assets (ROA) | 0.8205% | 2,849 |
| Pretax return on assets | 0.8205% | 3,567 |
| Return on Equity (ROE) | 3.4999% | 4,755 |
| Retained earnings to average equity (ytd only) | 0.4247% | 5,364 |
| Net charge-offs to loans | -0.2172% | 7,547 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5846% | 2,336 |
| Assets per employee ($millions) | 3.2233% | 5,619 |
| Cash dividends to net income (ytd only)* | 87.8652% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 3,030 |
| Loan loss allowance to noncurrent loans | 404.2553% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 6,471 |
| Noncurrent loans to loans | 0.4328% | 6,177 |
| Net loans and leases to total assets | 38.9426% | 7,025 |
| Net loans and leases to deposits | 50.9248% | 6,808 |
| Net loans and leases to core deposits | 53.0649% | 6,856 |
| Total domestic deposits to total assets | 76.4709% | 6,573 |
| Equity capital to assets | 23.4543% | 152 |
| Core capital (leverage) ratio | 21.8501% | 171 |
| Tier 1 risk-based capital ratio | 58.3190% | 112 |
| Total risk-based capital ratio | 59.6038% | 111 |
| Memoranda: | ||
| Average total assets | $54,232,000 | 6,394 |
| Average earning assets | $51,677,000 | 6,306 |
| Average equity | $12,714,800 | 4,425 |
| Average total loans | $20,720,800 | 6,888 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 6,820 |
| Cost of funding earning assets | 0.4762% | 7,479 |
| Net interest margin | 3.9233% | 3,436 |
| Noninterest income to average assets | 0.4363% | 4,663 |
| Noninterest expense to average assets | 3.0072% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1659% | 1,688 |
| Return on assets (ROA) | 1.1659% | 1,784 |
| Pretax return on assets | 1.1659% | 2,615 |
| Return on Equity (ROE) | 4.9734% | 4,306 |
| Retained earnings to average equity (ytd only) | 0.8622% | 5,455 |
| Net charge-offs to loans | -0.0456% | 7,458 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0614% | 3,683 |
| Assets per employee ($millions) | 3.1802% | 5,722 |
| Cash dividends to net income (ytd only)* | 82.6639% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 3,498 |
| Loan loss allowance to noncurrent loans | 207.2727% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 6,526 |
| Noncurrent loans to loans | 0.7756% | 5,662 |
| Net loans and leases to total assets | 38.7196% | 7,151 |
| Net loans and leases to deposits | 52.3941% | 6,872 |
| Net loans and leases to core deposits | 55.1333% | 6,907 |
| Total domestic deposits to total assets | 73.9008% | 6,926 |
| Equity capital to assets | 24.4696% | 141 |
| Core capital (leverage) ratio | 22.0286% | 177 |
| Tier 1 risk-based capital ratio | 59.6647% | 111 |
| Total risk-based capital ratio | 60.9209% | 111 |
| Memoranda: | ||
| Average total assets | $54,091,000 | 6,472 |
| Average earning assets | $51,520,500 | 6,382 |
| Average equity | $12,680,500 | 4,505 |
| Average total loans | $20,471,250 | 6,989 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 6,920 |
| Cost of funding earning assets | 0.5003% | 7,545 |
| Net interest margin | 3.8891% | 3,497 |
| Noninterest income to average assets | 0.4584% | 4,451 |
| Noninterest expense to average assets | 2.8503% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2865% | 1,341 |
| Return on assets (ROA) | 1.2865% | 1,402 |
| Pretax return on assets | 1.2865% | 2,135 |
| Return on Equity (ROE) | 5.5690% | 4,013 |
| Retained earnings to average equity (ytd only) | -0.6881% | 5,900 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9008% | 4,400 |
| Assets per employee ($millions) | 3.1864% | 5,711 |
| Cash dividends to net income (ytd only)* | 112.3563% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 3,313 |
| Loan loss allowance to noncurrent loans | 328.4314% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 6,835 |
| Noncurrent loans to loans | 0.4970% | 6,254 |
| Net loans and leases to total assets | 37.2685% | 7,302 |
| Net loans and leases to deposits | 48.9952% | 7,109 |
| Net loans and leases to core deposits | 52.1371% | 7,129 |
| Total domestic deposits to total assets | 76.0656% | 6,680 |
| Equity capital to assets | 23.7774% | 154 |
| Core capital (leverage) ratio | 21.5223% | 192 |
| Tier 1 risk-based capital ratio | 60.6998% | 106 |
| Total risk-based capital ratio | 61.9552% | 104 |
| Memoranda: | ||
| Average total assets | $54,100,330 | 6,514 |
| Average earning assets | $51,168,330 | 6,438 |
| Average equity | $12,497,670 | 4,550 |
| Average total loans | $20,203,330 | 7,056 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 7,002 |
| Cost of funding earning assets | 0.5196% | 7,648 |
| Net interest margin | 3.8733% | 3,439 |
| Noninterest income to average assets | 0.4217% | 4,726 |
| Noninterest expense to average assets | 2.8780% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1837% | 1,581 |
| Return on assets (ROA) | 1.1837% | 1,662 |
| Pretax return on assets | 1.1837% | 2,420 |
| Return on Equity (ROE) | 5.2005% | 4,257 |
| Retained earnings to average equity (ytd only) | -7.5082% | 6,789 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8561% | 4,147 |
| Assets per employee ($millions) | 3.4660% | 5,110 |
| Cash dividends to net income (ytd only)* | 244.3750% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 3,139 |
| Loan loss allowance to noncurrent loans | 16,750.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 7,396 |
| Noncurrent loans to loans | 0.0100% | 7,394 |
| Net loans and leases to total assets | 35.3614% | 7,448 |
| Net loans and leases to deposits | 45.3190% | 7,356 |
| Net loans and leases to core deposits | 48.0779% | 7,358 |
| Total domestic deposits to total assets | 78.0276% | 6,309 |
| Equity capital to assets | 21.8443% | 213 |
| Core capital (leverage) ratio | 21.4719% | 201 |
| Tier 1 risk-based capital ratio | 61.3421% | 104 |
| Total risk-based capital ratio | 62.5997% | 104 |
| Memoranda: | ||
| Average total assets | $54,066,000 | 6,603 |
| Average earning assets | $50,810,000 | 6,515 |
| Average equity | $12,306,500 | 4,635 |
| Average total loans | $20,043,500 | 7,152 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 7,089 |
| Cost of funding earning assets | 0.7445% | 7,629 |
| Net interest margin | 3.9850% | 2,914 |
| Noninterest income to average assets | 0.4290% | 4,977 |
| Noninterest expense to average assets | 3.0334% | 4,014 |
| Loan and lease loss provision to assets | 0.0766% | 6,827 |
| Net operating income to assets | 1.0705% | 1,595 |
| Return on assets (ROA) | 1.0705% | 1,642 |
| Pretax return on assets | 1.0705% | 2,341 |
| Return on Equity (ROE) | 4.4835% | 3,893 |
| Retained earnings to average equity (ytd only) | 0.8903% | 4,401 |
| Net charge-offs to loans | 0.2066% | 5,338 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 14.9750% | 1,337 |
| Efficiency ratio | 72.5607% | 4,173 |
| Assets per employee ($millions) | 3.2923% | 5,509 |
| Cash dividends to net income (ytd only)* | 80.1431% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 3,032 |
| Loan loss allowance to noncurrent loans | 905.4054% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 7,219 |
| Noncurrent loans to loans | 0.1837% | 6,964 |
| Net loans and leases to total assets | 37.6016% | 7,460 |
| Net loans and leases to deposits | 49.4779% | 7,284 |
| Net loans and leases to core deposits | 58.8601% | 7,309 |
| Total domestic deposits to total assets | 75.9967% | 6,683 |
| Equity capital to assets | 23.7281% | 191 |
| Core capital (leverage) ratio | 22.5275% | 200 |
| Tier 1 risk-based capital ratio | 63.9792% | 99 |
| Total risk-based capital ratio | 65.2383% | 98 |
| Memoranda: | ||
| Average total assets | $52,218,000 | 6,629 |
| Average earning assets | $49,159,800 | 6,558 |
| Average equity | $12,468,000 | 4,640 |
| Average total loans | $19,365,400 | 7,239 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 7,113 |
| Cost of funding earning assets | 0.7983% | 7,693 |
| Net interest margin | 4.0054% | 2,794 |
| Noninterest income to average assets | 0.4145% | 5,177 |
| Noninterest expense to average assets | 2.5743% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5891% | 679 |
| Return on assets (ROA) | 1.5891% | 732 |
| Pretax return on assets | 1.5891% | 1,196 |
| Return on Equity (ROE) | 6.6450% | 3,238 |
| Retained earnings to average equity (ytd only) | 1.8512% | 4,280 |
| Net charge-offs to loans | -0.0278% | 7,795 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8316% | 6,144 |
| Assets per employee ($millions) | 3.2775% | 5,456 |
| Cash dividends to net income (ytd only)* | 72.1418% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 2,247 |
| Loan loss allowance to noncurrent loans | 192.6136% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 6,540 |
| Noncurrent loans to loans | 0.9396% | 5,418 |
| Net loans and leases to total assets | 35.0744% | 7,649 |
| Net loans and leases to deposits | 46.1776% | 7,561 |
| Net loans and leases to core deposits | 54.5495% | 7,579 |
| Total domestic deposits to total assets | 75.9554% | 6,590 |
| Equity capital to assets | 23.8272% | 198 |
| Core capital (leverage) ratio | 22.5067% | 221 |
| Tier 1 risk-based capital ratio | 68.7977% | 96 |
| Total risk-based capital ratio | 70.0578% | 96 |
| Memoranda: | ||
| Average total assets | $52,103,500 | 6,680 |
| Average earning assets | $48,766,000 | 6,622 |
| Average equity | $12,460,250 | 4,668 |
| Average total loans | $19,171,250 | 7,308 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 7,001 |
| Cost of funding earning assets | 0.8590% | 7,747 |
| Net interest margin | 4.0544% | 2,489 |
| Noninterest income to average assets | 0.4270% | 5,063 |
| Noninterest expense to average assets | 2.6043% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5810% | 706 |
| Return on assets (ROA) | 1.5810% | 770 |
| Pretax return on assets | 1.5810% | 1,248 |
| Return on Equity (ROE) | 6.6031% | 3,391 |
| Retained earnings to average equity (ytd only) | -0.5944% | 5,375 |
| Net charge-offs to loans | -0.2795% | 8,058 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2243% | 6,217 |
| Assets per employee ($millions) | 3.3328% | 5,230 |
| Cash dividends to net income (ytd only)* | 109.0024% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 1,743 |
| Loan loss allowance to noncurrent loans | 230.5732% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 6,546 |
| Noncurrent loans to loans | 0.8324% | 5,558 |
| Net loans and leases to total assets | 34.6917% | 7,748 |
| Net loans and leases to deposits | 45.2630% | 7,663 |
| Net loans and leases to core deposits | 53.3928% | 7,673 |
| Total domestic deposits to total assets | 76.6447% | 6,406 |
| Equity capital to assets | 23.1453% | 245 |
| Core capital (leverage) ratio | 22.1469% | 273 |
| Tier 1 risk-based capital ratio | 65.4281% | 113 |
| Total risk-based capital ratio | 66.6872% | 111 |
| Memoranda: | ||
| Average total assets | $51,991,330 | 6,744 |
| Average earning assets | $48,194,330 | 6,702 |
| Average equity | $12,448,670 | 4,692 |
| Average total loans | $19,317,670 | 7,373 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 7,176 |
| Cost of funding earning assets | 0.8971% | 7,815 |
| Net interest margin | 4.0035% | 2,627 |
| Noninterest income to average assets | 0.4988% | 4,331 |
| Noninterest expense to average assets | 2.6030% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6522% | 708 |
| Return on assets (ROA) | 1.6522% | 780 |
| Pretax return on assets | 1.6522% | 1,285 |
| Return on Equity (ROE) | 6.7829% | 3,679 |
| Retained earnings to average equity (ytd only) | -7.5508% | 6,857 |
| Net charge-offs to loans | -0.5116% | 8,107 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1722% | 6,223 |
| Assets per employee ($millions) | 3.0742% | 5,965 |
| Cash dividends to net income (ytd only)* | 211.3208% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 1,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 7,390 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 36.5084% | 7,709 |
| Net loans and leases to deposits | 47.7322% | 7,587 |
| Net loans and leases to core deposits | 56.0237% | 7,618 |
| Total domestic deposits to total assets | 76.4858% | 6,408 |
| Equity capital to assets | 23.3248% | 269 |
| Core capital (leverage) ratio | 22.3926% | 297 |
| Tier 1 risk-based capital ratio | 63.3572% | 132 |
| Total risk-based capital ratio | 64.6086% | 129 |
| Memoranda: | ||
| Average total assets | $51,325,000 | 6,806 |
| Average earning assets | $48,157,500 | 6,743 |
| Average equity | $12,502,000 | 4,709 |
| Average total loans | $19,546,000 | 7,400 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4749% | 7,354 |
| Cost of funding earning assets | 1.3951% | 7,740 |
| Net interest margin | 4.0798% | 2,796 |
| Noninterest income to average assets | 0.4320% | 5,196 |
| Noninterest expense to average assets | 3.0178% | 4,024 |
| Loan and lease loss provision to assets | 0.1100% | 5,965 |
| Net operating income to assets | 1.0995% | 2,153 |
| Return on assets (ROA) | 1.0995% | 2,065 |
| Pretax return on assets | 1.0995% | 3,026 |
| Return on Equity (ROE) | 4.6720% | 4,527 |
| Retained earnings to average equity (ytd only) | -1.8021% | 5,816 |
| Net charge-offs to loans | 0.3158% | 3,278 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,429 |
| Efficiency ratio | 71.3888% | 4,055 |
| Assets per employee ($millions) | 2.9640% | 6,140 |
| Cash dividends to net income (ytd only)* | 138.5714% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 1,893 |
| Loan loss allowance to noncurrent loans | 33,500.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 6,886 |
| Noncurrent loans to loans | 0.0051% | 7,541 |
| Net loans and leases to total assets | 38.3365% | 7,754 |
| Net loans and leases to deposits | 51.7466% | 7,545 |
| Net loans and leases to core deposits | 60.7147% | 7,553 |
| Total domestic deposits to total assets | 74.0851% | 6,643 |
| Equity capital to assets | 25.4307% | 259 |
| Core capital (leverage) ratio | 23.1730% | 300 |
| Tier 1 risk-based capital ratio | 67.2303% | 128 |
| Total risk-based capital ratio | 68.4913% | 128 |
| Memoranda: | ||
| Average total assets | $50,930,400 | 6,738 |
| Average earning assets | $47,379,800 | 6,697 |
| Average equity | $11,986,200 | 4,830 |
| Average total loans | $17,732,600 | 7,480 |