Home > Wilcox County State Bank > Performance and Condition Ratios
Wilcox County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9934% | 640 |
| Cost of funding earning assets | 1.7877% | 1,266 |
| Net interest margin | 4.2057% | 928 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.7952% | 1,509 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1308% | 1,828 |
| Return on assets (ROA) | 1.1308% | 1,810 |
| Pretax return on assets | 1.5334% | 1,351 |
| Return on Equity (ROE) | 11.7400% | 2,027 |
| Retained earnings to average equity (ytd only) | 11.0994% | 772 |
| Net charge-offs to loans | 0.1854% | 580 |
| Credit loss provision to net charge-offs | 43.2432% | 2,222 |
| Earnings coverage of net charge-offs (x) | 12.0315% | 2,164 |
| Efficiency ratio | 63.7339% | 2,640 |
| Assets per employee ($millions) | 5.3058% | 3,390 |
| Cash dividends to net income (ytd only)* | 5.4766% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 1,977 |
| Loan loss allowance to noncurrent loans | 259.3220% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 1,574 |
| Noncurrent loans to loans | 0.4849% | 1,572 |
| Net loans and leases to total assets | 70.7600% | 1,728 |
| Net loans and leases to deposits | 81.7647% | 1,968 |
| Net loans and leases to core deposits | 89.7942% | 2,064 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 10.1027% | 1,947 |
| Core capital (leverage) ratio | 10.3992% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $167,930,200 | 3,205 |
| Average earning assets | $155,003,600 | 3,211 |
| Average equity | $16,172,000 | 3,166 |
| Average total loans | $119,720,400 | 2,956 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8296% | 654 |
| Cost of funding earning assets | 1.5468% | 1,490 |
| Net interest margin | 4.2828% | 821 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.8033% | 1,432 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1863% | 1,829 |
| Return on assets (ROA) | 1.1863% | 1,815 |
| Pretax return on assets | 1.6098% | 1,336 |
| Return on Equity (ROE) | 12.4700% | 2,010 |
| Retained earnings to average equity (ytd only) | 11.6028% | 1,047 |
| Net charge-offs to loans | 0.2449% | 364 |
| Credit loss provision to net charge-offs | 32.8767% | 1,961 |
| Earnings coverage of net charge-offs (x) | 9.5616% | 2,160 |
| Efficiency ratio | 62.7070% | 2,638 |
| Assets per employee ($millions) | 5.5727% | 3,122 |
| Cash dividends to net income (ytd only)* | 6.9799% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,446 |
| Loan loss allowance to noncurrent loans | 225.5605% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 1,534 |
| Noncurrent loans to loans | 0.5248% | 1,507 |
| Net loans and leases to total assets | 70.6400% | 1,751 |
| Net loans and leases to deposits | 89.3435% | 1,281 |
| Net loans and leases to core deposits | 98.0875% | 1,438 |
| Total domestic deposits to total assets | 79.0600% | 3,684 |
| Equity capital to assets | 9.2398% | 2,265 |
| Core capital (leverage) ratio | 10.0074% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $167,466,000 | 3,217 |
| Average earning assets | $155,065,750 | 3,217 |
| Average equity | $15,926,750 | 3,178 |
| Average total loans | $119,232,750 | 2,968 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 669 |
| Cost of funding earning assets | 1.2331% | 1,893 |
| Net interest margin | 4.4372% | 671 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.8539% | 1,320 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2585% | 1,671 |
| Return on assets (ROA) | 1.2585% | 1,664 |
| Pretax return on assets | 1.6992% | 1,215 |
| Return on Equity (ROE) | 13.1000% | 1,881 |
| Retained earnings to average equity (ytd only) | 11.7764% | 1,034 |
| Net charge-offs to loans | 0.0120% | 1,744 |
| Credit loss provision to net charge-offs | 685.7143% | 530 |
| Earnings coverage of net charge-offs (x) | 205.7143% | 590 |
| Efficiency ratio | 61.8846% | 2,728 |
| Assets per employee ($millions) | 5.5771% | 3,081 |
| Cash dividends to net income (ytd only)* | 10.0873% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 1,647 |
| Loan loss allowance to noncurrent loans | 188.9755% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 1,081 |
| Noncurrent loans to loans | 0.7237% | 1,035 |
| Net loans and leases to total assets | 68.5700% | 1,902 |
| Net loans and leases to deposits | 84.8635% | 1,599 |
| Net loans and leases to core deposits | 92.7009% | 1,642 |
| Total domestic deposits to total assets | 80.8000% | 3,458 |
| Equity capital to assets | 9.0992% | 2,442 |
| Core capital (leverage) ratio | 10.2609% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $163,846,000 | 3,257 |
| Average earning assets | $151,492,000 | 3,258 |
| Average equity | $15,743,333 | 3,209 |
| Average total loans | $116,487,000 | 2,992 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5937% | 532 |
| Cost of funding earning assets | 0.9197% | 2,312 |
| Net interest margin | 4.6740% | 464 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.9770% | 1,102 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3160% | 1,634 |
| Return on assets (ROA) | 1.3160% | 1,604 |
| Pretax return on assets | 1.7862% | 1,090 |
| Return on Equity (ROE) | 13.2900% | 1,933 |
| Retained earnings to average equity (ytd only) | 13.2942% | 1,044 |
| Net charge-offs to loans | 0.0248% | 1,191 |
| Credit loss provision to net charge-offs | 342.8571% | 648 |
| Earnings coverage of net charge-offs (x) | 103.2857% | 775 |
| Efficiency ratio | 61.7055% | 2,729 |
| Assets per employee ($millions) | 5.0760% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,444 |
| Loan loss allowance to noncurrent loans | 200.1196% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 1,010 |
| Noncurrent loans to loans | 0.7231% | 1,049 |
| Net loans and leases to total assets | 70.1500% | 1,612 |
| Net loans and leases to deposits | 82.2855% | 1,630 |
| Net loans and leases to core deposits | 89.4717% | 1,650 |
| Total domestic deposits to total assets | 85.2500% | 2,794 |
| Equity capital to assets | 9.7265% | 1,981 |
| Core capital (leverage) ratio | 11.0603% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $156,535,500 | 3,371 |
| Average earning assets | $143,518,500 | 3,367 |
| Average equity | $15,495,500 | 3,264 |
| Average total loans | $112,692,000 | 3,067 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 433 |
| Cost of funding earning assets | 0.4205% | 1,937 |
| Net interest margin | 4.3777% | 359 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.9902% | 978 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1896% | 1,813 |
| Return on assets (ROA) | 1.1896% | 1,751 |
| Pretax return on assets | 1.6205% | 1,114 |
| Return on Equity (ROE) | 11.8500% | 2,195 |
| Retained earnings to average equity (ytd only) | 10.4229% | 1,033 |
| Net charge-offs to loans | 0.0020% | 2,462 |
| Credit loss provision to net charge-offs | 4,800.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 1,227.0000% | 144 |
| Efficiency ratio | 63.9383% | 2,504 |
| Assets per employee ($millions) | 4.7074% | 3,886 |
| Cash dividends to net income (ytd only)* | 12.0162% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 881 |
| Loan loss allowance to noncurrent loans | 297.3727% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 1,272 |
| Noncurrent loans to loans | 0.5548% | 1,335 |
| Net loans and leases to total assets | 71.6700% | 1,454 |
| Net loans and leases to deposits | 83.2242% | 1,527 |
| Net loans and leases to core deposits | 89.5841% | 1,527 |
| Total domestic deposits to total assets | 86.1100% | 2,693 |
| Equity capital to assets | 10.0851% | 1,674 |
| Core capital (leverage) ratio | 11.3940% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $145,506,800 | 3,487 |
| Average earning assets | $134,843,800 | 3,474 |
| Average equity | $14,612,000 | 3,403 |
| Average total loans | $99,931,400 | 3,153 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 398 |
| Cost of funding earning assets | 0.3689% | 1,537 |
| Net interest margin | 4.2683% | 357 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.9786% | 935 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1491% | 1,895 |
| Return on assets (ROA) | 1.1491% | 1,867 |
| Pretax return on assets | 1.5605% | 1,231 |
| Return on Equity (ROE) | 11.4600% | 2,220 |
| Retained earnings to average equity (ytd only) | 10.4972% | 1,199 |
| Net charge-offs to loans | -0.0027% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6728% | 2,458 |
| Assets per employee ($millions) | 4.3941% | 4,123 |
| Cash dividends to net income (ytd only)* | 8.3669% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 925 |
| Loan loss allowance to noncurrent loans | 307.2041% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 1,310 |
| Noncurrent loans to loans | 0.5436% | 1,454 |
| Net loans and leases to total assets | 75.0000% | 1,012 |
| Net loans and leases to deposits | 84.5206% | 1,267 |
| Net loans and leases to core deposits | 90.1739% | 1,285 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 10.4480% | 1,397 |
| Core capital (leverage) ratio | 11.4466% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $144,224,000 | 3,525 |
| Average earning assets | $134,101,750 | 3,503 |
| Average equity | $14,467,000 | 3,465 |
| Average total loans | $97,472,500 | 3,199 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 466 |
| Cost of funding earning assets | 0.3807% | 1,042 |
| Net interest margin | 3.9858% | 509 |
| Noninterest income to average assets | 0.6216% | 1,645 |
| Noninterest expense to average assets | 2.9073% | 978 |
| Loan and lease loss provision to assets | 0.0660% | 1,428 |
| Net operating income to assets | 1.0039% | 2,139 |
| Return on assets (ROA) | 1.0039% | 2,111 |
| Pretax return on assets | 1.3629% | 1,543 |
| Return on Equity (ROE) | 10.1443% | 2,284 |
| Retained earnings to average equity (ytd only) | 8.6991% | 1,375 |
| Net charge-offs to loans | -0.0021% | 3,141 |
| Credit loss provision to net charge-offs | -4,800.0000% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0473% | 2,377 |
| Assets per employee ($millions) | 4.4783% | 4,087 |
| Cash dividends to net income (ytd only)* | 14.2466% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 853 |
| Loan loss allowance to noncurrent loans | 461.0966% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 1,976 |
| Noncurrent loans to loans | 0.3830% | 1,987 |
| Net loans and leases to total assets | 68.5435% | 1,433 |
| Net loans and leases to deposits | 76.8010% | 1,626 |
| Net loans and leases to core deposits | 81.4885% | 1,625 |
| Total domestic deposits to total assets | 89.2482% | 2,073 |
| Equity capital to assets | 10.0317% | 1,701 |
| Core capital (leverage) ratio | 10.6192% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,428,333 | 3,548 |
| Average earning assets | $135,532,000 | 3,541 |
| Average equity | $14,392,333 | 3,551 |
| Average total loans | $94,215,333 | 3,272 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 618 |
| Cost of funding earning assets | 0.4012% | 865 |
| Net interest margin | 3.7161% | 729 |
| Noninterest income to average assets | 0.6116% | 1,643 |
| Noninterest expense to average assets | 2.7988% | 1,160 |
| Loan and lease loss provision to assets | 0.0655% | 1,246 |
| Net operating income to assets | 0.8874% | 2,330 |
| Return on assets (ROA) | 0.8874% | 2,323 |
| Pretax return on assets | 1.2124% | 1,762 |
| Return on Equity (ROE) | 9.0275% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.0275% | 1,264 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6537% | 2,425 |
| Assets per employee ($millions) | 4.6651% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 809 |
| Loan loss allowance to noncurrent loans | 429.8765% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 2,049 |
| Noncurrent loans to loans | 0.4302% | 1,955 |
| Net loans and leases to total assets | 61.8916% | 1,870 |
| Net loans and leases to deposits | 72.1020% | 1,770 |
| Net loans and leases to core deposits | 76.8188% | 1,719 |
| Total domestic deposits to total assets | 85.8389% | 3,312 |
| Equity capital to assets | 9.6261% | 2,193 |
| Core capital (leverage) ratio | 10.3463% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,489,500 | 3,546 |
| Average earning assets | $136,596,500 | 3,542 |
| Average equity | $14,400,500 | 3,615 |
| Average total loans | $91,326,500 | 3,311 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 376 |
| Cost of funding earning assets | 0.5828% | 592 |
| Net interest margin | 4.1905% | 496 |
| Noninterest income to average assets | 0.6724% | 1,862 |
| Noninterest expense to average assets | 2.8504% | 1,248 |
| Loan and lease loss provision to assets | 0.1652% | 709 |
| Net operating income to assets | 1.1364% | 2,155 |
| Return on assets (ROA) | 1.1307% | 2,222 |
| Pretax return on assets | 1.5387% | 1,603 |
| Return on Equity (ROE) | 11.3438% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.8448% | 958 |
| Net charge-offs to loans | 0.0556% | 1,240 |
| Credit loss provision to net charge-offs | 460.0000% | 837 |
| Earnings coverage of net charge-offs (x) | 47.6400% | 1,327 |
| Efficiency ratio | 62.4882% | 2,795 |
| Assets per employee ($millions) | 4.4905% | 4,123 |
| Cash dividends to net income (ytd only)* | 13.2147% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 671 |
| Loan loss allowance to noncurrent loans | 194.8922% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 1,072 |
| Noncurrent loans to loans | 0.9953% | 996 |
| Net loans and leases to total assets | 60.4063% | 2,119 |
| Net loans and leases to deposits | 70.8744% | 2,034 |
| Net loans and leases to core deposits | 75.0804% | 1,992 |
| Total domestic deposits to total assets | 85.2300% | 3,199 |
| Equity capital to assets | 10.0427% | 2,618 |
| Core capital (leverage) ratio | 10.5534% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,208,400 | 3,592 |
| Average earning assets | $129,197,400 | 3,586 |
| Average equity | $13,875,400 | 3,751 |
| Average total loans | $89,874,400 | 3,338 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 349 |
| Cost of funding earning assets | 0.6229% | 566 |
| Net interest margin | 4.2815% | 469 |
| Noninterest income to average assets | 0.6884% | 1,865 |
| Noninterest expense to average assets | 2.8223% | 1,291 |
| Loan and lease loss provision to assets | 0.2078% | 482 |
| Net operating income to assets | 1.2011% | 2,167 |
| Return on assets (ROA) | 1.1934% | 2,249 |
| Pretax return on assets | 1.6241% | 1,629 |
| Return on Equity (ROE) | 11.9969% | 2,046 |
| Retained earnings to average equity (ytd only) | 10.9875% | 1,067 |
| Net charge-offs to loans | 0.0680% | 967 |
| Credit loss provision to net charge-offs | 467.3913% | 792 |
| Earnings coverage of net charge-offs (x) | 41.4565% | 1,347 |
| Efficiency ratio | 60.5176% | 2,907 |
| Assets per employee ($millions) | 4.3462% | 4,232 |
| Cash dividends to net income (ytd only)* | 8.4142% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 859 |
| Loan loss allowance to noncurrent loans | 176.9710% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 922 |
| Noncurrent loans to loans | 1.0412% | 1,089 |
| Net loans and leases to total assets | 65.3461% | 1,615 |
| Net loans and leases to deposits | 76.8831% | 1,589 |
| Net loans and leases to core deposits | 81.9798% | 1,576 |
| Total domestic deposits to total assets | 84.9940% | 3,115 |
| Equity capital to assets | 10.1763% | 2,734 |
| Core capital (leverage) ratio | 10.4099% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,086,250 | 3,640 |
| Average earning assets | $128,207,750 | 3,631 |
| Average equity | $13,736,500 | 3,812 |
| Average total loans | $90,213,250 | 3,377 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1493% | 271 |
| Cost of funding earning assets | 0.6509% | 572 |
| Net interest margin | 4.4984% | 354 |
| Noninterest income to average assets | 0.7070% | 1,783 |
| Noninterest expense to average assets | 2.7934% | 1,369 |
| Loan and lease loss provision to assets | 0.2773% | 330 |
| Net operating income to assets | 1.3283% | 1,781 |
| Return on assets (ROA) | 1.3168% | 1,882 |
| Pretax return on assets | 1.7959% | 1,247 |
| Return on Equity (ROE) | 13.3405% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.8108% | 961 |
| Net charge-offs to loans | 0.0760% | 894 |
| Credit loss provision to net charge-offs | 561.7647% | 647 |
| Earnings coverage of net charge-offs (x) | 42.2941% | 1,135 |
| Efficiency ratio | 57.2278% | 3,371 |
| Assets per employee ($millions) | 4.4168% | 4,172 |
| Cash dividends to net income (ytd only)* | 11.4664% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 852 |
| Loan loss allowance to noncurrent loans | 171.4575% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 1,040 |
| Noncurrent loans to loans | 1.0642% | 1,143 |
| Net loans and leases to total assets | 64.4905% | 1,894 |
| Net loans and leases to deposits | 75.6329% | 1,855 |
| Net loans and leases to core deposits | 80.8905% | 1,813 |
| Total domestic deposits to total assets | 85.2678% | 2,995 |
| Equity capital to assets | 9.8721% | 2,980 |
| Core capital (leverage) ratio | 10.0424% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,755,667 | 3,657 |
| Average earning assets | $127,822,667 | 3,652 |
| Average equity | $13,597,667 | 3,832 |
| Average total loans | $89,421,667 | 3,410 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 834 |
| Cost of funding earning assets | 0.6750% | 602 |
| Net interest margin | 3.7792% | 1,184 |
| Noninterest income to average assets | 0.7031% | 1,861 |
| Noninterest expense to average assets | 2.7448% | 1,499 |
| Loan and lease loss provision to assets | 0.0706% | 1,744 |
| Net operating income to assets | 1.0031% | 2,801 |
| Return on assets (ROA) | 0.9914% | 2,930 |
| Pretax return on assets | 1.3651% | 2,381 |
| Return on Equity (ROE) | 10.0447% | 2,676 |
| Retained earnings to average equity (ytd only) | 10.0447% | 1,638 |
| Net charge-offs to loans | 0.0091% | 1,584 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 246.5000% | 347 |
| Efficiency ratio | 65.4278% | 2,310 |
| Assets per employee ($millions) | 4.4378% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 967 |
| Loan loss allowance to noncurrent loans | 142.1149% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8683% | 1,016 |
| Noncurrent loans to loans | 1.2229% | 1,079 |
| Net loans and leases to total assets | 62.0693% | 2,280 |
| Net loans and leases to deposits | 72.5268% | 2,262 |
| Net loans and leases to core deposits | 77.3057% | 2,233 |
| Total domestic deposits to total assets | 85.5812% | 2,898 |
| Equity capital to assets | 9.4607% | 3,239 |
| Core capital (leverage) ratio | 10.1127% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,965,000 | 3,684 |
| Average earning assets | $125,634,000 | 3,675 |
| Average equity | $13,420,000 | 3,856 |
| Average total loans | $87,711,000 | 3,445 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 319 |
| Cost of funding earning assets | 0.9431% | 731 |
| Net interest margin | 4.2858% | 522 |
| Noninterest income to average assets | 0.7429% | 1,712 |
| Noninterest expense to average assets | 3.1545% | 1,135 |
| Loan and lease loss provision to assets | 0.2631% | 1,470 |
| Net operating income to assets | 0.9287% | 2,570 |
| Return on assets (ROA) | 1.0746% | 2,152 |
| Pretax return on assets | 1.4538% | 1,497 |
| Return on Equity (ROE) | 10.0383% | 1,993 |
| Retained earnings to average equity (ytd only) | 8.4505% | 923 |
| Net charge-offs to loans | 0.0117% | 2,907 |
| Credit loss provision to net charge-offs | 3,220.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 187.5000% | 493 |
| Efficiency ratio | 67.3060% | 2,323 |
| Assets per employee ($millions) | 4.0600% | 4,329 |
| Cash dividends to net income (ytd only)* | 15.8175% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7931% | 870 |
| Loan loss allowance to noncurrent loans | 219.2582% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 1,631 |
| Noncurrent loans to loans | 0.8178% | 1,711 |
| Net loans and leases to total assets | 64.7948% | 2,256 |
| Net loans and leases to deposits | 76.7699% | 2,202 |
| Net loans and leases to core deposits | 82.6205% | 2,148 |
| Total domestic deposits to total assets | 84.4013% | 2,982 |
| Equity capital to assets | 10.3178% | 2,814 |
| Core capital (leverage) ratio | 10.5606% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,366,400 | 3,717 |
| Average earning assets | $112,604,800 | 3,727 |
| Average equity | $13,099,800 | 3,856 |
| Average total loans | $85,744,400 | 3,470 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 285 |
| Cost of funding earning assets | 0.9966% | 767 |
| Net interest margin | 4.3893% | 480 |
| Noninterest income to average assets | 0.7415% | 1,672 |
| Noninterest expense to average assets | 3.1773% | 1,106 |
| Loan and lease loss provision to assets | 0.0797% | 3,319 |
| Net operating income to assets | 1.1388% | 1,856 |
| Return on assets (ROA) | 1.1388% | 1,970 |
| Pretax return on assets | 1.5350% | 1,367 |
| Return on Equity (ROE) | 10.5345% | 1,833 |
| Retained earnings to average equity (ytd only) | 9.4698% | 870 |
| Net charge-offs to loans | -0.0124% | 4,280 |
| Credit loss provision to net charge-offs | -900.0000% | 3,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3048% | 2,433 |
| Assets per employee ($millions) | 3.8758% | 4,423 |
| Cash dividends to net income (ytd only)* | 10.1069% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4520% | 1,528 |
| Loan loss allowance to noncurrent loans | 193.9079% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 1,780 |
| Noncurrent loans to loans | 0.7488% | 1,931 |
| Net loans and leases to total assets | 71.4168% | 1,756 |
| Net loans and leases to deposits | 85.5316% | 1,759 |
| Net loans and leases to core deposits | 91.7399% | 1,818 |
| Total domestic deposits to total assets | 83.4975% | 2,990 |
| Equity capital to assets | 10.9180% | 2,460 |
| Core capital (leverage) ratio | 10.5619% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,477,750 | 3,733 |
| Average earning assets | $111,175,500 | 3,734 |
| Average equity | $13,023,500 | 3,865 |
| Average total loans | $85,750,750 | 3,489 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 383 |
| Cost of funding earning assets | 1.0496% | 839 |
| Net interest margin | 4.3764% | 650 |
| Noninterest income to average assets | 0.7142% | 1,691 |
| Noninterest expense to average assets | 3.1837% | 1,191 |
| Loan and lease loss provision to assets | 0.0805% | 3,279 |
| Net operating income to assets | 1.1082% | 1,944 |
| Return on assets (ROA) | 1.1082% | 2,063 |
| Pretax return on assets | 1.4904% | 1,476 |
| Return on Equity (ROE) | 10.2871% | 1,889 |
| Retained earnings to average equity (ytd only) | 8.6686% | 1,116 |
| Net charge-offs to loans | -0.0119% | 4,251 |
| Credit loss provision to net charge-offs | -960.0000% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9605% | 2,386 |
| Assets per employee ($millions) | 3.9963% | 4,318 |
| Cash dividends to net income (ytd only)* | 15.7337% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,431 |
| Loan loss allowance to noncurrent loans | 187.3900% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 1,900 |
| Noncurrent loans to loans | 0.7706% | 1,959 |
| Net loans and leases to total assets | 68.2027% | 2,315 |
| Net loans and leases to deposits | 81.0201% | 2,311 |
| Net loans and leases to core deposits | 86.6454% | 2,385 |
| Total domestic deposits to total assets | 84.1799% | 2,685 |
| Equity capital to assets | 10.2931% | 2,931 |
| Core capital (leverage) ratio | 10.5077% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,295,667 | 3,729 |
| Average earning assets | $110,135,667 | 3,740 |
| Average equity | $12,851,000 | 3,889 |
| Average total loans | $84,374,667 | 3,511 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6812% | 258 |
| Cost of funding earning assets | 1.1484% | 913 |
| Net interest margin | 4.5328% | 470 |
| Noninterest income to average assets | 0.6956% | 1,666 |
| Noninterest expense to average assets | 3.2938% | 1,238 |
| Loan and lease loss provision to assets | 0.0835% | 2,650 |
| Net operating income to assets | 1.1165% | 1,796 |
| Return on assets (ROA) | 1.1165% | 1,890 |
| Pretax return on assets | 1.4782% | 1,360 |
| Return on Equity (ROE) | 10.1142% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.1142% | 728 |
| Net charge-offs to loans | -0.0243% | 4,401 |
| Credit loss provision to net charge-offs | -480.0000% | 3,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8367% | 2,699 |
| Assets per employee ($millions) | 3.6309% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 1,411 |
| Loan loss allowance to noncurrent loans | 158.7342% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 1,702 |
| Noncurrent loans to loans | 0.9324% | 1,764 |
| Net loans and leases to total assets | 71.8418% | 1,944 |
| Net loans and leases to deposits | 86.8922% | 1,889 |
| Net loans and leases to core deposits | 93.9535% | 1,984 |
| Total domestic deposits to total assets | 82.6792% | 3,214 |
| Equity capital to assets | 11.1146% | 2,761 |
| Core capital (leverage) ratio | 10.9425% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,002,500 | 3,775 |
| Average earning assets | $105,541,500 | 3,790 |
| Average equity | $12,695,000 | 3,914 |
| Average total loans | $82,313,500 | 3,545 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8169% | 312 |
| Cost of funding earning assets | 1.1309% | 1,225 |
| Net interest margin | 4.6860% | 489 |
| Noninterest income to average assets | 0.7594% | 1,589 |
| Noninterest expense to average assets | 3.3002% | 1,298 |
| Loan and lease loss provision to assets | 0.0872% | 2,271 |
| Net operating income to assets | 1.2136% | 2,010 |
| Return on assets (ROA) | 1.2136% | 2,100 |
| Pretax return on assets | 1.6442% | 1,350 |
| Return on Equity (ROE) | 11.2903% | 1,780 |
| Retained earnings to average equity (ytd only) | 9.5325% | 584 |
| Net charge-offs to loans | 0.1780% | 1,130 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 13.2361% | 2,369 |
| Efficiency ratio | 65.5895% | 2,831 |
| Assets per employee ($millions) | 3.5567% | 4,426 |
| Cash dividends to net income (ytd only)* | 15.5689% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 1,131 |
| Loan loss allowance to noncurrent loans | 168.2692% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 1,066 |
| Noncurrent loans to loans | 0.9111% | 1,687 |
| Net loans and leases to total assets | 69.1253% | 2,529 |
| Net loans and leases to deposits | 83.6070% | 2,369 |
| Net loans and leases to core deposits | 90.6666% | 2,360 |
| Total domestic deposits to total assets | 82.6789% | 3,312 |
| Equity capital to assets | 10.9616% | 3,044 |
| Core capital (leverage) ratio | 10.9282% | 2,564 |
| Tier 1 risk-based capital ratio | 16.3298% | 2,282 |
| Total risk-based capital ratio | 17.5831% | 2,226 |
| Memoranda: | ||
| Average total assets | $110,085,000 | 3,829 |
| Average earning assets | $100,363,200 | 3,863 |
| Average equity | $11,833,200 | 4,020 |
| Average total loans | $80,918,600 | 3,583 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8314% | 331 |
| Cost of funding earning assets | 1.0927% | 1,383 |
| Net interest margin | 4.7387% | 463 |
| Noninterest income to average assets | 0.7610% | 1,557 |
| Noninterest expense to average assets | 3.2724% | 1,327 |
| Loan and lease loss provision to assets | 0.0880% | 2,154 |
| Net operating income to assets | 1.2643% | 1,969 |
| Return on assets (ROA) | 1.2643% | 2,047 |
| Pretax return on assets | 1.7125% | 1,306 |
| Return on Equity (ROE) | 11.8224% | 1,681 |
| Retained earnings to average equity (ytd only) | 10.6344% | 596 |
| Net charge-offs to loans | 0.0936% | 1,537 |
| Credit loss provision to net charge-offs | 126.3158% | 1,867 |
| Earnings coverage of net charge-offs (x) | 25.8589% | 1,760 |
| Efficiency ratio | 64.5076% | 2,937 |
| Assets per employee ($millions) | 3.4686% | 4,528 |
| Cash dividends to net income (ytd only)* | 10.0480% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 1,166 |
| Loan loss allowance to noncurrent loans | 77.8718% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4902% | 752 |
| Noncurrent loans to loans | 1.9651% | 688 |
| Net loans and leases to total assets | 74.6718% | 1,691 |
| Net loans and leases to deposits | 92.1915% | 1,412 |
| Net loans and leases to core deposits | 100.3548% | 1,633 |
| Total domestic deposits to total assets | 80.9964% | 3,757 |
| Equity capital to assets | 11.0555% | 3,052 |
| Core capital (leverage) ratio | 10.9806% | 2,663 |
| Tier 1 risk-based capital ratio | 15.8305% | 2,503 |
| Total risk-based capital ratio | 17.0845% | 2,436 |
| Memoranda: | ||
| Average total assets | $109,152,500 | 3,885 |
| Average earning assets | $99,321,250 | 3,919 |
| Average equity | $11,672,500 | 4,078 |
| Average total loans | $81,173,250 | 3,625 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 348 |
| Cost of funding earning assets | 1.0346% | 1,555 |
| Net interest margin | 4.7441% | 452 |
| Noninterest income to average assets | 0.7537% | 1,506 |
| Noninterest expense to average assets | 3.2799% | 1,320 |
| Loan and lease loss provision to assets | 0.0884% | 2,074 |
| Net operating income to assets | 1.2420% | 1,998 |
| Return on assets (ROA) | 1.2420% | 2,050 |
| Pretax return on assets | 1.6860% | 1,300 |
| Return on Equity (ROE) | 11.7493% | 1,675 |
| Retained earnings to average equity (ytd only) | 9.9364% | 778 |
| Net charge-offs to loans | 0.1472% | 1,055 |
| Credit loss provision to net charge-offs | 81.3559% | 2,214 |
| Earnings coverage of net charge-offs (x) | 16.3220% | 1,936 |
| Efficiency ratio | 64.8925% | 2,992 |
| Assets per employee ($millions) | 3.4713% | 4,530 |
| Cash dividends to net income (ytd only)* | 15.4303% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,233 |
| Loan loss allowance to noncurrent loans | 94.4611% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 935 |
| Noncurrent loans to loans | 1.6022% | 959 |
| Net loans and leases to total assets | 73.9303% | 1,904 |
| Net loans and leases to deposits | 90.6926% | 1,667 |
| Net loans and leases to core deposits | 98.5658% | 1,836 |
| Total domestic deposits to total assets | 81.5174% | 3,660 |
| Equity capital to assets | 10.6920% | 3,348 |
| Core capital (leverage) ratio | 10.8251% | 2,767 |
| Tier 1 risk-based capital ratio | 15.0239% | 2,833 |
| Total risk-based capital ratio | 16.2782% | 2,750 |
| Memoranda: | ||
| Average total assets | $108,538,330 | 3,919 |
| Average earning assets | $98,395,670 | 3,963 |
| Average equity | $11,473,000 | 4,113 |
| Average total loans | $80,174,330 | 3,657 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6901% | 368 |
| Cost of funding earning assets | 0.9483% | 1,801 |
| Net interest margin | 4.7417% | 452 |
| Noninterest income to average assets | 0.7607% | 1,394 |
| Noninterest expense to average assets | 3.1846% | 1,531 |
| Loan and lease loss provision to assets | 0.0895% | 1,920 |
| Net operating income to assets | 1.2977% | 1,703 |
| Return on assets (ROA) | 1.2977% | 1,744 |
| Pretax return on assets | 1.7750% | 1,035 |
| Return on Equity (ROE) | 12.3503% | 1,428 |
| Retained earnings to average equity (ytd only) | 12.3503% | 556 |
| Net charge-offs to loans | 0.2698% | 547 |
| Credit loss provision to net charge-offs | 45.2830% | 2,003 |
| Earnings coverage of net charge-offs (x) | 9.4340% | 2,029 |
| Efficiency ratio | 63.0724% | 3,374 |
| Assets per employee ($millions) | 3.6610% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 1,109 |
| Loan loss allowance to noncurrent loans | 181.0771% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 1,857 |
| Noncurrent loans to loans | 0.8709% | 1,901 |
| Net loans and leases to total assets | 70.6941% | 2,379 |
| Net loans and leases to deposits | 86.7066% | 2,039 |
| Net loans and leases to core deposits | 93.4423% | 2,176 |
| Total domestic deposits to total assets | 81.5325% | 3,847 |
| Equity capital to assets | 10.5016% | 3,344 |
| Core capital (leverage) ratio | 10.9335% | 2,630 |
| Tier 1 risk-based capital ratio | 15.3597% | 2,721 |
| Total risk-based capital ratio | 16.6137% | 2,636 |
| Memoranda: | ||
| Average total assets | $107,266,000 | 3,977 |
| Average earning assets | $97,011,000 | 4,030 |
| Average equity | $11,271,000 | 4,156 |
| Average total loans | $78,568,500 | 3,724 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 287 |
| Cost of funding earning assets | 0.7399% | 1,847 |
| Net interest margin | 4.9369% | 301 |
| Noninterest income to average assets | 0.6988% | 1,858 |
| Noninterest expense to average assets | 3.3334% | 1,254 |
| Loan and lease loss provision to assets | 0.2438% | 712 |
| Net operating income to assets | 1.1974% | 2,181 |
| Return on assets (ROA) | 1.1974% | 2,181 |
| Pretax return on assets | 1.6186% | 1,409 |
| Return on Equity (ROE) | 11.4768% | 1,906 |
| Retained earnings to average equity (ytd only) | 9.5006% | 737 |
| Net charge-offs to loans | 0.0431% | 2,552 |
| Credit loss provision to net charge-offs | 745.4545% | 483 |
| Earnings coverage of net charge-offs (x) | 56.9394% | 1,055 |
| Efficiency ratio | 64.1549% | 3,166 |
| Assets per employee ($millions) | 3.4900% | 4,556 |
| Cash dividends to net income (ytd only)* | 17.2185% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 972 |
| Loan loss allowance to noncurrent loans | 209.7199% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 2,101 |
| Noncurrent loans to loans | 0.7757% | 2,068 |
| Net loans and leases to total assets | 73.5198% | 2,009 |
| Net loans and leases to deposits | 89.4550% | 1,871 |
| Net loans and leases to core deposits | 96.3863% | 2,025 |
| Total domestic deposits to total assets | 82.1864% | 3,597 |
| Equity capital to assets | 10.5137% | 3,171 |
| Core capital (leverage) ratio | 10.6651% | 2,875 |
| Tier 1 risk-based capital ratio | 16.5329% | 2,230 |
| Total risk-based capital ratio | 17.7894% | 2,171 |
| Memoranda: | ||
| Average total assets | $100,889,000 | 4,087 |
| Average earning assets | $91,899,200 | 4,110 |
| Average equity | $10,525,600 | 4,230 |
| Average total loans | $76,650,800 | 3,736 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6013% | 298 |
| Cost of funding earning assets | 0.6770% | 1,989 |
| Net interest margin | 4.9243% | 301 |
| Noninterest income to average assets | 0.6938% | 1,888 |
| Noninterest expense to average assets | 3.3461% | 1,206 |
| Loan and lease loss provision to assets | 0.0961% | 2,059 |
| Net operating income to assets | 1.2981% | 1,869 |
| Return on assets (ROA) | 1.2981% | 1,872 |
| Pretax return on assets | 1.7544% | 1,128 |
| Return on Equity (ROE) | 12.4680% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.1354% | 617 |
| Net charge-offs to loans | 0.0385% | 2,309 |
| Credit loss provision to net charge-offs | 327.2727% | 959 |
| Earnings coverage of net charge-offs (x) | 63.0511% | 1,025 |
| Efficiency ratio | 64.3902% | 3,119 |
| Assets per employee ($millions) | 3.5520% | 4,490 |
| Cash dividends to net income (ytd only)* | 10.6884% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,954 |
| Loan loss allowance to noncurrent loans | 84.1547% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.2566% | 1,105 |
| Noncurrent loans to loans | 1.5828% | 1,006 |
| Net loans and leases to total assets | 77.1605% | 1,476 |
| Net loans and leases to deposits | 92.8192% | 1,518 |
| Net loans and leases to core deposits | 98.1650% | 1,923 |
| Total domestic deposits to total assets | 83.1299% | 3,254 |
| Equity capital to assets | 10.1247% | 3,516 |
| Core capital (leverage) ratio | 10.6636% | 2,922 |
| Tier 1 risk-based capital ratio | 14.6962% | 3,020 |
| Total risk-based capital ratio | 15.9485% | 2,947 |
| Memoranda: | ||
| Average total assets | $99,936,000 | 4,145 |
| Average earning assets | $91,381,000 | 4,158 |
| Average equity | $10,405,000 | 4,288 |
| Average total loans | $76,251,250 | 3,777 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 326 |
| Cost of funding earning assets | 0.5889% | 2,301 |
| Net interest margin | 4.8941% | 308 |
| Noninterest income to average assets | 0.6835% | 1,937 |
| Noninterest expense to average assets | 3.3747% | 1,168 |
| Loan and lease loss provision to assets | 0.0982% | 1,972 |
| Net operating income to assets | 1.2647% | 1,916 |
| Return on assets (ROA) | 1.2647% | 1,918 |
| Pretax return on assets | 1.7006% | 1,210 |
| Return on Equity (ROE) | 12.0269% | 1,715 |
| Retained earnings to average equity (ytd only) | 10.0029% | 929 |
| Net charge-offs to loans | 0.0217% | 2,448 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 109.8750% | 658 |
| Efficiency ratio | 65.2294% | 3,114 |
| Assets per employee ($millions) | 3.3872% | 4,733 |
| Cash dividends to net income (ytd only)* | 16.8285% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 1,904 |
| Loan loss allowance to noncurrent loans | 84.4206% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2742% | 1,110 |
| Noncurrent loans to loans | 1.6092% | 1,004 |
| Net loans and leases to total assets | 76.0676% | 1,627 |
| Net loans and leases to deposits | 91.5745% | 1,635 |
| Net loans and leases to core deposits | 96.2848% | 2,040 |
| Total domestic deposits to total assets | 83.0664% | 3,396 |
| Equity capital to assets | 9.9625% | 3,661 |
| Core capital (leverage) ratio | 10.7610% | 2,745 |
| Tier 1 risk-based capital ratio | 14.5133% | 3,108 |
| Total risk-based capital ratio | 15.7654% | 3,026 |
| Memoranda: | ||
| Average total assets | $97,727,670 | 4,215 |
| Average earning assets | $89,659,670 | 4,232 |
| Average equity | $10,277,000 | 4,346 |
| Average total loans | $73,890,670 | 3,851 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4428% | 308 |
| Cost of funding earning assets | 0.5150% | 2,679 |
| Net interest margin | 4.9278% | 263 |
| Noninterest income to average assets | 0.6589% | 1,998 |
| Noninterest expense to average assets | 3.3798% | 1,195 |
| Loan and lease loss provision to assets | 0.1020% | 1,822 |
| Net operating income to assets | 1.2711% | 1,739 |
| Return on assets (ROA) | 1.2711% | 1,746 |
| Pretax return on assets | 1.6920% | 1,137 |
| Return on Equity (ROE) | 11.7428% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.7428% | 730 |
| Net charge-offs to loans | 0.0284% | 1,925 |
| Credit loss provision to net charge-offs | 480.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 84.4000% | 682 |
| Efficiency ratio | 65.3246% | 3,275 |
| Assets per employee ($millions) | 3.1684% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,688 |
| Loan loss allowance to noncurrent loans | 83.4493% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 1,093 |
| Noncurrent loans to loans | 1.7265% | 988 |
| Net loans and leases to total assets | 75.1486% | 1,683 |
| Net loans and leases to deposits | 90.7940% | 1,584 |
| Net loans and leases to core deposits | 94.5883% | 2,090 |
| Total domestic deposits to total assets | 82.7683% | 3,737 |
| Equity capital to assets | 10.4408% | 3,129 |
| Core capital (leverage) ratio | 11.0758% | 2,354 |
| Tier 1 risk-based capital ratio | 15.8212% | 2,548 |
| Total risk-based capital ratio | 17.0748% | 2,490 |
| Memoranda: | ||
| Average total assets | $94,089,500 | 4,324 |
| Average earning assets | $86,205,500 | 4,340 |
| Average equity | $10,185,000 | 4,402 |
| Average total loans | $70,349,000 | 3,963 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2744% | 383 |
| Cost of funding earning assets | 0.4380% | 2,895 |
| Net interest margin | 4.8364% | 324 |
| Noninterest income to average assets | 0.7736% | 1,673 |
| Noninterest expense to average assets | 3.3325% | 1,315 |
| Loan and lease loss provision to assets | 0.1083% | 2,078 |
| Net operating income to assets | 1.1864% | 1,559 |
| Return on assets (ROA) | 1.1864% | 1,580 |
| Pretax return on assets | 1.7909% | 811 |
| Return on Equity (ROE) | 10.7487% | 1,566 |
| Retained earnings to average equity (ytd only) | 8.6235% | 581 |
| Net charge-offs to loans | 0.0554% | 2,697 |
| Credit loss provision to net charge-offs | 266.6667% | 1,049 |
| Earnings coverage of net charge-offs (x) | 46.7778% | 1,144 |
| Efficiency ratio | 63.6991% | 3,644 |
| Assets per employee ($millions) | 3.1020% | 5,123 |
| Cash dividends to net income (ytd only)* | 19.7719% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 1,122 |
| Loan loss allowance to noncurrent loans | 82.9421% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 939 |
| Noncurrent loans to loans | 1.9420% | 797 |
| Net loans and leases to total assets | 71.9750% | 2,241 |
| Net loans and leases to deposits | 85.1040% | 2,360 |
| Net loans and leases to core deposits | 88.0638% | 2,715 |
| Total domestic deposits to total assets | 84.5730% | 3,007 |
| Equity capital to assets | 11.2440% | 2,400 |
| Core capital (leverage) ratio | 11.2540% | 2,125 |
| Tier 1 risk-based capital ratio | 18.1818% | 1,754 |
| Total risk-based capital ratio | 19.4381% | 1,700 |
| Memoranda: | ||
| Average total assets | $88,672,800 | 4,451 |
| Average earning assets | $81,733,800 | 4,436 |
| Average equity | $9,787,200 | 4,487 |
| Average total loans | $64,992,800 | 4,075 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 419 |
| Cost of funding earning assets | 0.4035% | 3,158 |
| Net interest margin | 4.7891% | 345 |
| Noninterest income to average assets | 0.7591% | 1,735 |
| Noninterest expense to average assets | 3.3230% | 1,292 |
| Loan and lease loss provision to assets | 0.1087% | 1,961 |
| Net operating income to assets | 1.1877% | 1,746 |
| Return on assets (ROA) | 1.1877% | 1,784 |
| Pretax return on assets | 1.7521% | 998 |
| Return on Equity (ROE) | 10.8118% | 1,770 |
| Retained earnings to average equity (ytd only) | 9.9600% | 594 |
| Net charge-offs to loans | 0.0679% | 2,149 |
| Credit loss provision to net charge-offs | 218.1818% | 1,265 |
| Earnings coverage of net charge-offs (x) | 37.3627% | 1,368 |
| Efficiency ratio | 64.1048% | 3,525 |
| Assets per employee ($millions) | 3.3627% | 4,897 |
| Cash dividends to net income (ytd only)* | 7.8776% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,542 |
| Loan loss allowance to noncurrent loans | 307.3964% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 3,388 |
| Noncurrent loans to loans | 0.4871% | 3,230 |
| Net loans and leases to total assets | 75.2847% | 1,713 |
| Net loans and leases to deposits | 90.7563% | 1,720 |
| Net loans and leases to core deposits | 93.9471% | 2,280 |
| Total domestic deposits to total assets | 82.9526% | 3,468 |
| Equity capital to assets | 11.1450% | 2,724 |
| Core capital (leverage) ratio | 11.4909% | 2,025 |
| Tier 1 risk-based capital ratio | 16.6959% | 2,254 |
| Total risk-based capital ratio | 17.9502% | 2,205 |
| Memoranda: | ||
| Average total assets | $88,351,250 | 4,497 |
| Average earning assets | $81,627,750 | 4,481 |
| Average equity | $9,705,250 | 4,542 |
| Average total loans | $64,789,000 | 4,107 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1567% | 425 |
| Cost of funding earning assets | 0.3843% | 3,243 |
| Net interest margin | 4.7724% | 345 |
| Noninterest income to average assets | 0.7540% | 1,752 |
| Noninterest expense to average assets | 3.3631% | 1,247 |
| Loan and lease loss provision to assets | 0.1097% | 1,860 |
| Net operating income to assets | 1.1447% | 1,801 |
| Return on assets (ROA) | 1.1447% | 1,855 |
| Pretax return on assets | 1.6793% | 1,102 |
| Return on Equity (ROE) | 10.4731% | 1,845 |
| Retained earnings to average equity (ytd only) | 9.1771% | 786 |
| Net charge-offs to loans | 0.0664% | 1,976 |
| Credit loss provision to net charge-offs | 228.5714% | 1,147 |
| Earnings coverage of net charge-offs (x) | 37.2857% | 1,305 |
| Efficiency ratio | 65.2772% | 3,463 |
| Assets per employee ($millions) | 3.2356% | 5,053 |
| Cash dividends to net income (ytd only)* | 12.3752% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 1,381 |
| Loan loss allowance to noncurrent loans | 198.6460% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 2,657 |
| Noncurrent loans to loans | 0.7829% | 2,448 |
| Net loans and leases to total assets | 74.4145% | 1,797 |
| Net loans and leases to deposits | 86.9118% | 2,117 |
| Net loans and leases to core deposits | 89.6739% | 2,553 |
| Total domestic deposits to total assets | 85.6208% | 2,561 |
| Equity capital to assets | 11.2532% | 2,540 |
| Core capital (leverage) ratio | 11.1633% | 2,266 |
| Tier 1 risk-based capital ratio | 17.2640% | 2,073 |
| Total risk-based capital ratio | 18.5197% | 2,025 |
| Memoranda: | ||
| Average total assets | $87,537,000 | 4,534 |
| Average earning assets | $80,672,330 | 4,525 |
| Average equity | $9,567,330 | 4,583 |
| Average total loans | $63,254,330 | 4,166 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 513 |
| Cost of funding earning assets | 0.3718% | 3,289 |
| Net interest margin | 4.6448% | 410 |
| Noninterest income to average assets | 0.7076% | 1,930 |
| Noninterest expense to average assets | 3.3324% | 1,325 |
| Loan and lease loss provision to assets | 0.1096% | 1,750 |
| Net operating income to assets | 1.0545% | 2,055 |
| Return on assets (ROA) | 1.0545% | 2,102 |
| Pretax return on assets | 1.5429% | 1,404 |
| Return on Equity (ROE) | 9.7928% | 2,061 |
| Retained earnings to average equity (ytd only) | 9.7928% | 862 |
| Net charge-offs to loans | -0.0065% | 4,262 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8498% | 3,359 |
| Assets per employee ($millions) | 3.3489% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 1,342 |
| Loan loss allowance to noncurrent loans | 130.0761% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 2,013 |
| Noncurrent loans to loans | 1.2422% | 1,626 |
| Net loans and leases to total assets | 69.0223% | 2,524 |
| Net loans and leases to deposits | 79.8950% | 2,769 |
| Net loans and leases to core deposits | 82.3188% | 3,064 |
| Total domestic deposits to total assets | 86.3913% | 2,500 |
| Equity capital to assets | 10.5906% | 3,076 |
| Core capital (leverage) ratio | 11.0140% | 2,352 |
| Tier 1 risk-based capital ratio | 17.1766% | 2,125 |
| Total risk-based capital ratio | 18.4332% | 2,073 |
| Memoranda: | ||
| Average total assets | $87,624,500 | 4,572 |
| Average earning assets | $80,693,000 | 4,570 |
| Average equity | $9,435,500 | 4,635 |
| Average total loans | $61,863,000 | 4,248 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 597 |
| Cost of funding earning assets | 0.3456% | 3,571 |
| Net interest margin | 4.6470% | 459 |
| Noninterest income to average assets | 0.7160% | 2,095 |
| Noninterest expense to average assets | 3.6249% | 977 |
| Loan and lease loss provision to assets | 0.0303% | 3,746 |
| Net operating income to assets | 0.8944% | 2,859 |
| Return on assets (ROA) | 0.8944% | 2,976 |
| Pretax return on assets | 1.3191% | 2,213 |
| Return on Equity (ROE) | 8.0629% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.3781% | 1,512 |
| Net charge-offs to loans | 0.0453% | 3,133 |
| Credit loss provision to net charge-offs | 92.5926% | 2,752 |
| Earnings coverage of net charge-offs (x) | 41.1852% | 1,155 |
| Efficiency ratio | 72.8714% | 2,444 |
| Assets per employee ($millions) | 3.1418% | 5,226 |
| Cash dividends to net income (ytd only)* | 20.8955% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 1,236 |
| Loan loss allowance to noncurrent loans | 104.8218% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 1,394 |
| Noncurrent loans to loans | 1.5823% | 1,246 |
| Net loans and leases to total assets | 69.8947% | 2,490 |
| Net loans and leases to deposits | 80.7120% | 2,811 |
| Net loans and leases to core deposits | 83.0267% | 3,124 |
| Total domestic deposits to total assets | 86.5977% | 2,332 |
| Equity capital to assets | 10.9573% | 2,660 |
| Core capital (leverage) ratio | 11.4111% | 2,000 |
| Tier 1 risk-based capital ratio | 17.8388% | 1,897 |
| Total risk-based capital ratio | 19.0965% | 1,850 |
| Memoranda: | ||
| Average total assets | $82,403,000 | 4,685 |
| Average earning assets | $75,511,400 | 4,688 |
| Average equity | $9,140,600 | 4,731 |
| Average total loans | $59,539,200 | 4,316 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 605 |
| Cost of funding earning assets | 0.3354% | 3,709 |
| Net interest margin | 4.6621% | 457 |
| Noninterest income to average assets | 0.7384% | 2,012 |
| Noninterest expense to average assets | 3.6138% | 978 |
| Loan and lease loss provision to assets | 0.0407% | 3,423 |
| Net operating income to assets | 0.9438% | 2,682 |
| Return on assets (ROA) | 0.9438% | 2,817 |
| Pretax return on assets | 1.3660% | 2,172 |
| Return on Equity (ROE) | 8.4814% | 2,771 |
| Retained earnings to average equity (ytd only) | 7.1338% | 1,553 |
| Net charge-offs to loans | 0.0337% | 2,966 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 57.5320% | 989 |
| Efficiency ratio | 71.9805% | 2,583 |
| Assets per employee ($millions) | 2.9581% | 5,420 |
| Cash dividends to net income (ytd only)* | 15.8890% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 1,369 |
| Loan loss allowance to noncurrent loans | 135.6568% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 1,824 |
| Noncurrent loans to loans | 1.2053% | 1,862 |
| Net loans and leases to total assets | 76.2276% | 1,490 |
| Net loans and leases to deposits | 88.5069% | 1,950 |
| Net loans and leases to core deposits | 90.7577% | 2,502 |
| Total domestic deposits to total assets | 86.1262% | 2,294 |
| Equity capital to assets | 11.7679% | 2,288 |
| Core capital (leverage) ratio | 11.4383% | 2,082 |
| Tier 1 risk-based capital ratio | 17.2621% | 2,145 |
| Total risk-based capital ratio | 18.5193% | 2,101 |
| Memoranda: | ||
| Average total assets | $81,796,500 | 4,737 |
| Average earning assets | $75,129,500 | 4,740 |
| Average equity | $9,102,000 | 4,788 |
| Average total loans | $59,351,250 | 4,356 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 676 |
| Cost of funding earning assets | 0.3368% | 3,732 |
| Net interest margin | 4.5930% | 518 |
| Noninterest income to average assets | 0.7278% | 2,019 |
| Noninterest expense to average assets | 3.5663% | 1,055 |
| Loan and lease loss provision to assets | 0.0607% | 2,926 |
| Net operating income to assets | 0.9073% | 2,825 |
| Return on assets (ROA) | 0.9073% | 2,959 |
| Pretax return on assets | 1.3028% | 2,398 |
| Return on Equity (ROE) | 8.3083% | 2,829 |
| Retained earnings to average equity (ytd only) | 6.2646% | 1,980 |
| Net charge-offs to loans | 0.0444% | 2,581 |
| Credit loss provision to net charge-offs | 192.3077% | 1,338 |
| Earnings coverage of net charge-offs (x) | 43.2308% | 1,100 |
| Efficiency ratio | 72.3425% | 2,601 |
| Assets per employee ($millions) | 3.5245% | 4,712 |
| Cash dividends to net income (ytd only)* | 24.5989% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 1,280 |
| Loan loss allowance to noncurrent loans | 139.8621% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.4742% | 1,313 |
| Noncurrent loans to loans | 1.2124% | 1,900 |
| Net loans and leases to total assets | 72.5164% | 2,089 |
| Net loans and leases to deposits | 83.2540% | 2,551 |
| Net loans and leases to core deposits | 85.3129% | 2,957 |
| Total domestic deposits to total assets | 87.1026% | 1,863 |
| Equity capital to assets | 11.2715% | 2,774 |
| Core capital (leverage) ratio | 11.3566% | 2,092 |
| Tier 1 risk-based capital ratio | 17.2151% | 2,150 |
| Total risk-based capital ratio | 18.4726% | 2,115 |
| Memoranda: | ||
| Average total assets | $82,438,670 | 4,761 |
| Average earning assets | $75,419,330 | 4,771 |
| Average equity | $9,003,000 | 4,840 |
| Average total loans | $58,503,330 | 4,394 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 753 |
| Cost of funding earning assets | 0.3321% | 3,815 |
| Net interest margin | 4.5277% | 577 |
| Noninterest income to average assets | 0.6689% | 2,175 |
| Noninterest expense to average assets | 3.5368% | 1,118 |
| Loan and lease loss provision to assets | 0.0722% | 2,512 |
| Net operating income to assets | 0.8180% | 3,160 |
| Return on assets (ROA) | 0.8180% | 3,285 |
| Pretax return on assets | 1.1934% | 2,734 |
| Return on Equity (ROE) | 7.6097% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.6097% | 1,616 |
| Net charge-offs to loans | 0.0899% | 1,605 |
| Credit loss provision to net charge-offs | 115.3846% | 1,474 |
| Earnings coverage of net charge-offs (x) | 20.2308% | 1,474 |
| Efficiency ratio | 73.6473% | 2,537 |
| Assets per employee ($millions) | 3.5780% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 1,275 |
| Loan loss allowance to noncurrent loans | 121.1098% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.9005% | 942 |
| Noncurrent loans to loans | 1.4342% | 1,654 |
| Net loans and leases to total assets | 69.0188% | 2,494 |
| Net loans and leases to deposits | 77.7440% | 3,030 |
| Net loans and leases to core deposits | 79.5984% | 3,359 |
| Total domestic deposits to total assets | 88.7770% | 1,218 |
| Equity capital to assets | 10.9861% | 2,960 |
| Core capital (leverage) ratio | 10.8563% | 2,565 |
| Tier 1 risk-based capital ratio | 17.6133% | 2,091 |
| Total risk-based capital ratio | 18.8710% | 2,059 |
| Memoranda: | ||
| Average total assets | $83,126,500 | 4,780 |
| Average earning assets | $75,888,500 | 4,797 |
| Average equity | $8,936,000 | 4,874 |
| Average total loans | $57,856,000 | 4,448 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 845 |
| Cost of funding earning assets | 0.3212% | 4,011 |
| Net interest margin | 4.5312% | 623 |
| Noninterest income to average assets | 0.7461% | 2,003 |
| Noninterest expense to average assets | 3.4104% | 1,465 |
| Loan and lease loss provision to assets | 0.1490% | 1,580 |
| Net operating income to assets | 0.8837% | 2,962 |
| Return on assets (ROA) | 0.9382% | 2,749 |
| Pretax return on assets | 1.4011% | 1,898 |
| Return on Equity (ROE) | 8.8751% | 2,515 |
| Retained earnings to average equity (ytd only) | 7.6638% | 1,034 |
| Net charge-offs to loans | 0.4895% | 546 |
| Credit loss provision to net charge-offs | 43.2143% | 3,493 |
| Earnings coverage of net charge-offs (x) | 4.2607% | 3,586 |
| Efficiency ratio | 69.8965% | 3,242 |
| Assets per employee ($millions) | 3.6503% | 4,566 |
| Cash dividends to net income (ytd only)* | 13.6483% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7303% | 1,285 |
| Loan loss allowance to noncurrent loans | 88.9876% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1606% | 789 |
| Noncurrent loans to loans | 1.9444% | 1,094 |
| Net loans and leases to total assets | 67.7803% | 2,730 |
| Net loans and leases to deposits | 75.9216% | 3,265 |
| Net loans and leases to core deposits | 77.6856% | 3,581 |
| Total domestic deposits to total assets | 89.2768% | 981 |
| Equity capital to assets | 10.5184% | 3,339 |
| Core capital (leverage) ratio | 10.9254% | 2,470 |
| Tier 1 risk-based capital ratio | 17.3798% | 2,157 |
| Total risk-based capital ratio | 18.6368% | 2,109 |
| Memoranda: | ||
| Average total assets | $81,221,000 | 4,841 |
| Average earning assets | $74,087,000 | 4,853 |
| Average equity | $8,585,800 | 4,941 |
| Average total loans | $57,206,000 | 4,455 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 872 |
| Cost of funding earning assets | 0.3117% | 4,202 |
| Net interest margin | 4.5289% | 617 |
| Noninterest income to average assets | 0.7367% | 2,081 |
| Noninterest expense to average assets | 3.4484% | 1,382 |
| Loan and lease loss provision to assets | 0.0248% | 3,766 |
| Net operating income to assets | 0.9883% | 2,523 |
| Return on assets (ROA) | 0.9883% | 2,609 |
| Pretax return on assets | 1.4006% | 2,012 |
| Return on Equity (ROE) | 9.3376% | 2,396 |
| Retained earnings to average equity (ytd only) | 8.6806% | 1,007 |
| Net charge-offs to loans | 0.2338% | 1,124 |
| Credit loss provision to net charge-offs | 15.0000% | 3,406 |
| Earnings coverage of net charge-offs (x) | 8.6100% | 2,788 |
| Efficiency ratio | 70.7541% | 3,086 |
| Assets per employee ($millions) | 3.4430% | 4,904 |
| Cash dividends to net income (ytd only)* | 7.0354% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 1,145 |
| Loan loss allowance to noncurrent loans | 139.7403% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.5747% | 1,422 |
| Noncurrent loans to loans | 1.3346% | 1,917 |
| Net loans and leases to total assets | 71.5002% | 2,141 |
| Net loans and leases to deposits | 86.7994% | 2,054 |
| Net loans and leases to core deposits | 89.1234% | 2,546 |
| Total domestic deposits to total assets | 82.3740% | 4,035 |
| Equity capital to assets | 11.1504% | 2,849 |
| Core capital (leverage) ratio | 10.8189% | 2,688 |
| Tier 1 risk-based capital ratio | 17.7744% | 2,097 |
| Total risk-based capital ratio | 19.0343% | 2,059 |
| Memoranda: | ||
| Average total assets | $80,536,750 | 4,914 |
| Average earning assets | $73,570,250 | 4,920 |
| Average equity | $8,524,500 | 5,012 |
| Average total loans | $57,030,250 | 4,504 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 1,016 |
| Cost of funding earning assets | 0.2980% | 4,419 |
| Net interest margin | 4.4316% | 721 |
| Noninterest income to average assets | 0.6915% | 2,249 |
| Noninterest expense to average assets | 3.3808% | 1,511 |
| Loan and lease loss provision to assets | 0.0370% | 3,376 |
| Net operating income to assets | 0.9458% | 2,661 |
| Return on assets (ROA) | 0.9458% | 2,777 |
| Pretax return on assets | 1.3138% | 2,314 |
| Return on Equity (ROE) | 9.0945% | 2,486 |
| Retained earnings to average equity (ytd only) | 8.0972% | 1,223 |
| Net charge-offs to loans | 0.3556% | 740 |
| Credit loss provision to net charge-offs | 14.8515% | 3,068 |
| Earnings coverage of net charge-offs (x) | 5.4158% | 2,924 |
| Efficiency ratio | 71.4509% | 3,083 |
| Assets per employee ($millions) | 3.6930% | 4,438 |
| Cash dividends to net income (ytd only)* | 10.9661% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 1,348 |
| Loan loss allowance to noncurrent loans | 136.7684% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 1,433 |
| Noncurrent loans to loans | 1.3241% | 2,034 |
| Net loans and leases to total assets | 71.7414% | 2,034 |
| Net loans and leases to deposits | 81.8431% | 2,580 |
| Net loans and leases to core deposits | 86.5190% | 2,711 |
| Total domestic deposits to total assets | 87.6572% | 1,811 |
| Equity capital to assets | 10.5605% | 3,379 |
| Core capital (leverage) ratio | 10.7201% | 2,709 |
| Tier 1 risk-based capital ratio | 16.5441% | 2,593 |
| Total risk-based capital ratio | 17.8042% | 2,541 |
| Memoranda: | ||
| Average total assets | $80,985,670 | 4,953 |
| Average earning assets | $73,833,000 | 4,964 |
| Average equity | $8,422,670 | 5,070 |
| Average total loans | $56,808,000 | 4,547 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 1,226 |
| Cost of funding earning assets | 0.2825% | 4,642 |
| Net interest margin | 4.3141% | 851 |
| Noninterest income to average assets | 0.7124% | 2,117 |
| Noninterest expense to average assets | 3.3442% | 1,609 |
| Loan and lease loss provision to assets | 0.0742% | 2,459 |
| Net operating income to assets | 0.8657% | 2,926 |
| Return on assets (ROA) | 0.8657% | 3,040 |
| Pretax return on assets | 1.2219% | 2,580 |
| Return on Equity (ROE) | 8.3893% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.3893% | 1,419 |
| Net charge-offs to loans | 0.0360% | 2,491 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 52.4000% | 811 |
| Efficiency ratio | 72.0682% | 3,162 |
| Assets per employee ($millions) | 3.4764% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0910% | 937 |
| Loan loss allowance to noncurrent loans | 93.8301% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 2.2700% | 997 |
| Noncurrent loans to loans | 2.2285% | 1,126 |
| Net loans and leases to total assets | 68.5744% | 2,352 |
| Net loans and leases to deposits | 76.8670% | 2,950 |
| Net loans and leases to core deposits | 81.2453% | 3,030 |
| Total domestic deposits to total assets | 89.2117% | 1,134 |
| Equity capital to assets | 10.5632% | 3,467 |
| Core capital (leverage) ratio | 10.2966% | 3,217 |
| Tier 1 risk-based capital ratio | 16.7265% | 2,588 |
| Total risk-based capital ratio | 17.9880% | 2,534 |
| Memoranda: | ||
| Average total assets | $80,855,500 | 5,010 |
| Average earning assets | $73,618,500 | 5,010 |
| Average equity | $8,344,000 | 5,130 |
| Average total loans | $55,531,000 | 4,622 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 1,761 |
| Cost of funding earning assets | 0.3279% | 4,516 |
| Net interest margin | 4.2004% | 1,298 |
| Noninterest income to average assets | 0.6170% | 2,755 |
| Noninterest expense to average assets | 3.3601% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7607% | 3,561 |
| Return on assets (ROA) | 0.7607% | 3,667 |
| Pretax return on assets | 1.1300% | 2,966 |
| Return on Equity (ROE) | 7.7506% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.6902% | 1,550 |
| Net charge-offs to loans | 0.1090% | 2,962 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.4576% | 2,077 |
| Efficiency ratio | 74.8344% | 2,686 |
| Assets per employee ($millions) | 3.5545% | 4,813 |
| Cash dividends to net income (ytd only)* | 13.6808% | 4,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1086% | 936 |
| Loan loss allowance to noncurrent loans | 90.7031% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.3118% | 1,031 |
| Noncurrent loans to loans | 2.3247% | 1,121 |
| Net loans and leases to total assets | 65.9295% | 2,898 |
| Net loans and leases to deposits | 73.5324% | 3,494 |
| Net loans and leases to core deposits | 77.6020% | 3,552 |
| Total domestic deposits to total assets | 89.6604% | 896 |
| Equity capital to assets | 10.0815% | 4,008 |
| Core capital (leverage) ratio | 10.2844% | 3,193 |
| Tier 1 risk-based capital ratio | 16.3069% | 2,808 |
| Total risk-based capital ratio | 17.5710% | 2,747 |
| Memoranda: | ||
| Average total assets | $80,711,400 | 5,047 |
| Average earning assets | $74,421,600 | 5,034 |
| Average equity | $7,922,000 | 5,222 |
| Average total loans | $54,143,800 | 4,685 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 1,957 |
| Cost of funding earning assets | 0.3369% | 4,506 |
| Net interest margin | 4.1408% | 1,462 |
| Noninterest income to average assets | 0.6115% | 2,797 |
| Noninterest expense to average assets | 3.3229% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7855% | 3,485 |
| Return on assets (ROA) | 0.7855% | 3,596 |
| Pretax return on assets | 1.1385% | 3,037 |
| Return on Equity (ROE) | 8.0589% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.3449% | 1,651 |
| Net charge-offs to loans | 0.1459% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.6448% | 2,399 |
| Efficiency ratio | 74.4799% | 2,742 |
| Assets per employee ($millions) | 3.3461% | 5,153 |
| Cash dividends to net income (ytd only)* | 8.8610% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 1,071 |
| Loan loss allowance to noncurrent loans | 139.7112% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 2.0114% | 1,420 |
| Noncurrent loans to loans | 1.5122% | 2,146 |
| Net loans and leases to total assets | 69.8948% | 2,209 |
| Net loans and leases to deposits | 79.0080% | 2,837 |
| Net loans and leases to core deposits | 83.7344% | 2,913 |
| Total domestic deposits to total assets | 88.4654% | 1,520 |
| Equity capital to assets | 10.5275% | 3,522 |
| Core capital (leverage) ratio | 10.4187% | 3,139 |
| Tier 1 risk-based capital ratio | 17.1995% | 2,526 |
| Total risk-based capital ratio | 18.4640% | 2,481 |
| Memoranda: | ||
| Average total assets | $80,450,750 | 5,109 |
| Average earning assets | $74,799,250 | 5,076 |
| Average equity | $7,842,000 | 5,283 |
| Average total loans | $53,914,500 | 4,735 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 2,244 |
| Cost of funding earning assets | 0.3410% | 4,526 |
| Net interest margin | 4.0422% | 1,688 |
| Noninterest income to average assets | 0.5857% | 2,891 |
| Noninterest expense to average assets | 3.2127% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7817% | 3,417 |
| Return on assets (ROA) | 0.7817% | 3,518 |
| Pretax return on assets | 1.1199% | 3,008 |
| Return on Equity (ROE) | 8.2266% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.1435% | 1,694 |
| Net charge-offs to loans | 0.0261% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 65.2857% | 762 |
| Efficiency ratio | 74.1516% | 2,951 |
| Assets per employee ($millions) | 3.4692% | 4,906 |
| Cash dividends to net income (ytd only)* | 13.1661% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2528% | 950 |
| Loan loss allowance to noncurrent loans | 139.1055% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0165% | 1,587 |
| Noncurrent loans to loans | 1.6195% | 2,146 |
| Net loans and leases to total assets | 65.9615% | 2,752 |
| Net loans and leases to deposits | 73.4766% | 3,391 |
| Net loans and leases to core deposits | 77.6570% | 3,481 |
| Total domestic deposits to total assets | 89.7722% | 921 |
| Equity capital to assets | 9.9722% | 4,142 |
| Core capital (leverage) ratio | 9.8476% | 3,819 |
| Tier 1 risk-based capital ratio | 16.8589% | 2,679 |
| Total risk-based capital ratio | 18.1246% | 2,643 |
| Memoranda: | ||
| Average total assets | $81,614,330 | 5,122 |
| Average earning assets | $75,651,330 | 5,084 |
| Average equity | $7,755,330 | 5,323 |
| Average total loans | $53,568,670 | 4,761 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 2,574 |
| Cost of funding earning assets | 0.3378% | 4,666 |
| Net interest margin | 3.9479% | 1,933 |
| Noninterest income to average assets | 0.5865% | 2,812 |
| Noninterest expense to average assets | 3.1069% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7998% | 3,156 |
| Return on assets (ROA) | 0.7998% | 3,234 |
| Pretax return on assets | 1.1051% | 2,883 |
| Return on Equity (ROE) | 8.6224% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.6224% | 1,375 |
| Net charge-offs to loans | 0.0674% | 2,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,159 |
| Efficiency ratio | 73.7629% | 3,188 |
| Assets per employee ($millions) | 3.7633% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2735% | 1,068 |
| Loan loss allowance to noncurrent loans | 128.9670% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 2.0340% | 1,670 |
| Noncurrent loans to loans | 1.7628% | 2,188 |
| Net loans and leases to total assets | 62.8749% | 3,094 |
| Net loans and leases to deposits | 69.5694% | 3,654 |
| Net loans and leases to core deposits | 73.6096% | 3,686 |
| Total domestic deposits to total assets | 90.3772% | 873 |
| Equity capital to assets | 9.3873% | 4,649 |
| Core capital (leverage) ratio | 9.6005% | 4,132 |
| Tier 1 risk-based capital ratio | 16.6031% | 2,844 |
| Total risk-based capital ratio | 17.8697% | 2,814 |
| Memoranda: | ||
| Average total assets | $82,525,500 | 5,148 |
| Average earning assets | $75,787,000 | 5,123 |
| Average equity | $7,654,500 | 5,380 |
| Average total loans | $53,430,500 | 4,808 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 3,050 |
| Cost of funding earning assets | 0.3844% | 4,807 |
| Net interest margin | 3.8912% | 2,319 |
| Noninterest income to average assets | 0.6004% | 3,098 |
| Noninterest expense to average assets | 3.1186% | 2,681 |
| Loan and lease loss provision to assets | 0.0182% | 4,764 |
| Net operating income to assets | 0.7460% | 3,577 |
| Return on assets (ROA) | 0.7460% | 3,667 |
| Pretax return on assets | 1.0856% | 3,002 |
| Return on Equity (ROE) | 8.3849% | 2,839 |
| Retained earnings to average equity (ytd only) | 7.2397% | 1,340 |
| Net charge-offs to loans | 0.1851% | 2,987 |
| Credit loss provision to net charge-offs | 15.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | 9.1000% | 2,558 |
| Efficiency ratio | 73.8581% | 3,151 |
| Assets per employee ($millions) | 3.9170% | 4,031 |
| Cash dividends to net income (ytd only)* | 13.6585% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 1,069 |
| Loan loss allowance to noncurrent loans | 133.7719% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 2.0934% | 1,712 |
| Noncurrent loans to loans | 1.7017% | 2,360 |
| Net loans and leases to total assets | 63.6704% | 3,103 |
| Net loans and leases to deposits | 70.2498% | 3,757 |
| Net loans and leases to core deposits | 74.0415% | 3,837 |
| Total domestic deposits to total assets | 90.6343% | 737 |
| Equity capital to assets | 9.1626% | 4,848 |
| Core capital (leverage) ratio | 9.4100% | 4,399 |
| Tier 1 risk-based capital ratio | 16.3162% | 2,958 |
| Total risk-based capital ratio | 17.5833% | 2,902 |
| Memoranda: | ||
| Average total assets | $82,440,600 | 5,181 |
| Average earning assets | $76,737,200 | 5,124 |
| Average equity | $7,334,600 | 5,491 |
| Average total loans | $54,024,200 | 4,809 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 3,297 |
| Cost of funding earning assets | 0.3931% | 4,879 |
| Net interest margin | 3.8311% | 2,537 |
| Noninterest income to average assets | 0.5900% | 3,219 |
| Noninterest expense to average assets | 3.0728% | 2,751 |
| Loan and lease loss provision to assets | 0.0242% | 4,523 |
| Net operating income to assets | 0.7613% | 3,552 |
| Return on assets (ROA) | 0.7613% | 3,681 |
| Pretax return on assets | 1.0846% | 3,173 |
| Return on Equity (ROE) | 8.6214% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.8527% | 1,479 |
| Net charge-offs to loans | 0.0246% | 4,639 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 68.6152% | 672 |
| Efficiency ratio | 73.4828% | 3,145 |
| Assets per employee ($millions) | 3.8367% | 4,152 |
| Cash dividends to net income (ytd only)* | 8.9175% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3558% | 1,099 |
| Loan loss allowance to noncurrent loans | 111.8702% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 2.3197% | 1,701 |
| Noncurrent loans to loans | 2.1058% | 2,122 |
| Net loans and leases to total assets | 67.3911% | 2,395 |
| Net loans and leases to deposits | 80.4138% | 2,356 |
| Net loans and leases to core deposits | 85.5826% | 2,458 |
| Total domestic deposits to total assets | 83.8054% | 4,280 |
| Equity capital to assets | 9.3273% | 4,766 |
| Core capital (leverage) ratio | 9.4860% | 4,430 |
| Tier 1 risk-based capital ratio | 15.7063% | 3,350 |
| Total risk-based capital ratio | 16.9737% | 3,291 |
| Memoranda: | ||
| Average total assets | $82,486,250 | 5,230 |
| Average earning assets | $77,330,750 | 5,159 |
| Average equity | $7,284,000 | 5,561 |
| Average total loans | $54,131,750 | 4,851 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 3,554 |
| Cost of funding earning assets | 0.4047% | 4,896 |
| Net interest margin | 3.7421% | 2,797 |
| Noninterest income to average assets | 0.5702% | 3,383 |
| Noninterest expense to average assets | 2.9979% | 3,005 |
| Loan and lease loss provision to assets | 0.0361% | 4,223 |
| Net operating income to assets | 0.7507% | 3,562 |
| Return on assets (ROA) | 0.7507% | 3,717 |
| Pretax return on assets | 1.0514% | 3,289 |
| Return on Equity (ROE) | 8.6582% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.4927% | 1,671 |
| Net charge-offs to loans | 0.0708% | 3,700 |
| Credit loss provision to net charge-offs | 78.9474% | 2,651 |
| Earnings coverage of net charge-offs (x) | 23.7895% | 1,319 |
| Efficiency ratio | 73.3804% | 3,246 |
| Assets per employee ($millions) | 3.8614% | 4,085 |
| Cash dividends to net income (ytd only)* | 13.4615% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 1,164 |
| Loan loss allowance to noncurrent loans | 730.8989% | 618 |
| Noncurrent assets plus other real estate owned to assets | 1.0433% | 3,660 |
| Noncurrent loans to loans | 0.3221% | 5,489 |
| Net loans and leases to total assets | 66.5405% | 2,500 |
| Net loans and leases to deposits | 75.7089% | 2,919 |
| Net loans and leases to core deposits | 80.0039% | 3,021 |
| Total domestic deposits to total assets | 87.8898% | 2,322 |
| Equity capital to assets | 8.9063% | 5,319 |
| Core capital (leverage) ratio | 8.9391% | 5,089 |
| Tier 1 risk-based capital ratio | 15.4558% | 3,504 |
| Total risk-based capital ratio | 16.7233% | 3,453 |
| Memoranda: | ||
| Average total assets | $83,125,000 | 5,244 |
| Average earning assets | $78,085,330 | 5,165 |
| Average equity | $7,207,000 | 5,631 |
| Average total loans | $53,640,000 | 4,892 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 4,024 |
| Cost of funding earning assets | 0.4195% | 4,915 |
| Net interest margin | 3.6033% | 3,247 |
| Noninterest income to average assets | 0.5752% | 3,273 |
| Noninterest expense to average assets | 2.9141% | 3,294 |
| Loan and lease loss provision to assets | 0.0713% | 3,441 |
| Net operating income to assets | 0.6941% | 3,718 |
| Return on assets (ROA) | 0.6941% | 3,864 |
| Pretax return on assets | 0.9793% | 3,442 |
| Return on Equity (ROE) | 8.1117% | 2,916 |
| Retained earnings to average equity (ytd only) | 8.1117% | 1,714 |
| Net charge-offs to loans | 0.0833% | 3,008 |
| Credit loss provision to net charge-offs | 136.3636% | 1,457 |
| Earnings coverage of net charge-offs (x) | 20.0909% | 1,197 |
| Efficiency ratio | 73.5012% | 3,350 |
| Assets per employee ($millions) | 3.8425% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4685% | 1,152 |
| Loan loss allowance to noncurrent loans | 289.6018% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.5745% | 2,902 |
| Noncurrent loans to loans | 0.8524% | 4,413 |
| Net loans and leases to total assets | 61.1818% | 3,227 |
| Net loans and leases to deposits | 67.1226% | 3,897 |
| Net loans and leases to core deposits | 71.6989% | 3,855 |
| Total domestic deposits to total assets | 91.1492% | 466 |
| Equity capital to assets | 8.6130% | 5,905 |
| Core capital (leverage) ratio | 8.5604% | 5,497 |
| Tier 1 risk-based capital ratio | 15.2611% | 3,677 |
| Total risk-based capital ratio | 16.5299% | 3,621 |
| Memoranda: | ||
| Average total assets | $84,143,000 | 5,262 |
| Average earning assets | $79,149,000 | 5,181 |
| Average equity | $7,199,500 | 5,693 |
| Average total loans | $52,831,000 | 4,952 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 3,490 |
| Cost of funding earning assets | 0.6953% | 3,527 |
| Net interest margin | 3.7830% | 3,304 |
| Noninterest income to average assets | 0.5079% | 3,843 |
| Noninterest expense to average assets | 3.1545% | 2,754 |
| Loan and lease loss provision to assets | 0.3395% | 1,982 |
| Net operating income to assets | 0.3340% | 5,353 |
| Return on assets (ROA) | 0.5985% | 4,504 |
| Pretax return on assets | 0.8977% | 3,930 |
| Return on Equity (ROE) | 6.7617% | 3,779 |
| Retained earnings to average equity (ytd only) | 5.5685% | 2,337 |
| Net charge-offs to loans | 0.0328% | 5,460 |
| Credit loss provision to net charge-offs | 1,588.2353% | 149 |
| Earnings coverage of net charge-offs (x) | 39.4118% | 810 |
| Efficiency ratio | 78.9242% | 2,289 |
| Assets per employee ($millions) | 3.9881% | 3,974 |
| Cash dividends to net income (ytd only)* | 17.6471% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4794% | 1,149 |
| Loan loss allowance to noncurrent loans | 412.9747% | 966 |
| Noncurrent assets plus other real estate owned to assets | 1.4460% | 3,214 |
| Noncurrent loans to loans | 0.6004% | 5,022 |
| Net loans and leases to total assets | 61.2864% | 3,374 |
| Net loans and leases to deposits | 67.4685% | 4,058 |
| Net loans and leases to core deposits | 72.1801% | 4,021 |
| Total domestic deposits to total assets | 90.8371% | 547 |
| Equity capital to assets | 8.4990% | 6,056 |
| Core capital (leverage) ratio | 8.8530% | 5,093 |
| Tier 1 risk-based capital ratio | 15.0511% | 3,688 |
| Total risk-based capital ratio | 16.3194% | 3,632 |
| Memoranda: | ||
| Average total assets | $79,536,400 | 5,366 |
| Average earning assets | $73,353,600 | 5,330 |
| Average equity | $7,039,600 | 5,755 |
| Average total loans | $51,853,400 | 5,024 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 3,309 |
| Cost of funding earning assets | 0.7677% | 3,212 |
| Net interest margin | 3.8072% | 3,308 |
| Noninterest income to average assets | 0.5148% | 3,829 |
| Noninterest expense to average assets | 3.1599% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5717% | 4,515 |
| Return on assets (ROA) | 0.6184% | 4,560 |
| Pretax return on assets | 0.9208% | 4,027 |
| Return on Equity (ROE) | 6.9134% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.1157% | 2,622 |
| Net charge-offs to loans | 0.0310% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 41.7488% | 850 |
| Efficiency ratio | 78.7802% | 2,267 |
| Assets per employee ($millions) | 3.8332% | 4,231 |
| Cash dividends to net income (ytd only)* | 11.5388% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 2,332 |
| Loan loss allowance to noncurrent loans | 1,444.4444% | 335 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 3,429 |
| Noncurrent loans to loans | 0.1348% | 6,262 |
| Net loans and leases to total assets | 68.2950% | 2,247 |
| Net loans and leases to deposits | 76.1501% | 2,958 |
| Net loans and leases to core deposits | 82.0733% | 2,955 |
| Total domestic deposits to total assets | 89.6847% | 1,023 |
| Equity capital to assets | 9.5196% | 5,179 |
| Core capital (leverage) ratio | 9.2877% | 4,605 |
| Tier 1 risk-based capital ratio | 15.0327% | 3,828 |
| Total risk-based capital ratio | 16.2954% | 3,767 |
| Memoranda: | ||
| Average total assets | $78,482,750 | 5,449 |
| Average earning assets | $72,071,500 | 5,427 |
| Average equity | $7,020,000 | 5,823 |
| Average total loans | $51,658,500 | 5,092 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 3,825 |
| Cost of funding earning assets | 0.8244% | 2,995 |
| Net interest margin | 3.6617% | 3,985 |
| Noninterest income to average assets | 0.4779% | 4,072 |
| Noninterest expense to average assets | 3.0801% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4940% | 4,842 |
| Return on assets (ROA) | 0.5614% | 4,815 |
| Pretax return on assets | 0.8598% | 4,235 |
| Return on Equity (ROE) | 6.4094% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.1968% | 3,156 |
| Net charge-offs to loans | 0.0509% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,263 |
| Efficiency ratio | 80.2900% | 2,127 |
| Assets per employee ($millions) | 3.8538% | 4,188 |
| Cash dividends to net income (ytd only)* | 18.9189% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 2,257 |
| Loan loss allowance to noncurrent loans | 1,463.3803% | 315 |
| Noncurrent assets plus other real estate owned to assets | 1.4401% | 3,548 |
| Noncurrent loans to loans | 0.1361% | 6,318 |
| Net loans and leases to total assets | 66.3397% | 2,604 |
| Net loans and leases to deposits | 73.5786% | 3,362 |
| Net loans and leases to core deposits | 79.1039% | 3,353 |
| Total domestic deposits to total assets | 90.1617% | 835 |
| Equity capital to assets | 9.2052% | 5,456 |
| Core capital (leverage) ratio | 8.9513% | 4,983 |
| Tier 1 risk-based capital ratio | 15.0121% | 3,761 |
| Total risk-based capital ratio | 16.2736% | 3,712 |
| Memoranda: | ||
| Average total assets | $79,089,330 | 5,462 |
| Average earning assets | $72,535,330 | 5,445 |
| Average equity | $6,927,330 | 5,869 |
| Average total loans | $51,079,000 | 5,147 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4026% | 4,324 |
| Cost of funding earning assets | 0.8663% | 2,948 |
| Net interest margin | 3.5363% | 4,540 |
| Noninterest income to average assets | 0.3346% | 5,184 |
| Noninterest expense to average assets | 3.0114% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3484% | 5,484 |
| Return on assets (ROA) | 0.4794% | 5,109 |
| Pretax return on assets | 0.7491% | 4,611 |
| Return on Equity (ROE) | 5.6112% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.6112% | 3,193 |
| Net charge-offs to loans | 0.1741% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.9545% | 2,471 |
| Efficiency ratio | 84.6910% | 1,614 |
| Assets per employee ($millions) | 4.4230% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0258% | 2,281 |
| Loan loss allowance to noncurrent loans | 256.8579% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 1.8087% | 3,162 |
| Noncurrent loans to loans | 0.7887% | 5,093 |
| Net loans and leases to total assets | 62.5694% | 3,146 |
| Net loans and leases to deposits | 68.8410% | 3,900 |
| Net loans and leases to core deposits | 74.0630% | 3,894 |
| Total domestic deposits to total assets | 90.8898% | 604 |
| Equity capital to assets | 8.6656% | 5,911 |
| Core capital (leverage) ratio | 8.5350% | 5,532 |
| Tier 1 risk-based capital ratio | 15.0123% | 3,753 |
| Total risk-based capital ratio | 16.2750% | 3,696 |
| Memoranda: | ||
| Average total assets | $80,096,000 | 5,473 |
| Average earning assets | $72,957,000 | 5,467 |
| Average equity | $6,843,500 | 5,919 |
| Average total loans | $50,533,000 | 5,205 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 2,419 |
| Cost of funding earning assets | 1.1616% | 2,276 |
| Net interest margin | 3.9473% | 3,123 |
| Noninterest income to average assets | 0.6109% | 3,107 |
| Noninterest expense to average assets | 3.2763% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6257% | 3,852 |
| Return on assets (ROA) | 0.6777% | 3,785 |
| Pretax return on assets | 1.0293% | 3,124 |
| Return on Equity (ROE) | 7.9943% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.7329% | 1,625 |
| Net charge-offs to loans | 0.9648% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.4163% | 4,710 |
| Efficiency ratio | 77.5142% | 2,661 |
| Assets per employee ($millions) | 4.2409% | 3,391 |
| Cash dividends to net income (ytd only)* | 15.7791% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0947% | 2,020 |
| Loan loss allowance to noncurrent loans | 340.4531% | 981 |
| Noncurrent assets plus other real estate owned to assets | 2.0688% | 2,878 |
| Noncurrent loans to loans | 0.6153% | 5,485 |
| Net loans and leases to total assets | 61.0216% | 3,781 |
| Net loans and leases to deposits | 66.9709% | 4,584 |
| Net loans and leases to core deposits | 71.9680% | 4,537 |
| Total domestic deposits to total assets | 91.1167% | 459 |
| Equity capital to assets | 8.4241% | 6,229 |
| Core capital (leverage) ratio | 8.6950% | 5,256 |
| Tier 1 risk-based capital ratio | 14.4989% | 3,975 |
| Total risk-based capital ratio | 15.7618% | 3,940 |
| Memoranda: | ||
| Average total assets | $74,809,600 | 5,616 |
| Average earning assets | $68,527,800 | 5,590 |
| Average equity | $6,342,000 | 6,060 |
| Average total loans | $52,030,600 | 5,190 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 2,018 |
| Cost of funding earning assets | 1.2315% | 2,110 |
| Net interest margin | 4.0216% | 2,825 |
| Noninterest income to average assets | 0.6197% | 3,056 |
| Noninterest expense to average assets | 3.3856% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6315% | 3,960 |
| Return on assets (ROA) | 0.7033% | 3,770 |
| Pretax return on assets | 1.0504% | 3,211 |
| Return on Equity (ROE) | 8.2817% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.4257% | 1,755 |
| Net charge-offs to loans | 1.2804% | 1,211 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.0298% | 4,860 |
| Efficiency ratio | 78.2116% | 2,519 |
| Assets per employee ($millions) | 4.0804% | 3,678 |
| Cash dividends to net income (ytd only)* | 10.3355% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 2,284 |
| Loan loss allowance to noncurrent loans | 504.8077% | 647 |
| Noncurrent assets plus other real estate owned to assets | 2.0199% | 3,118 |
| Noncurrent loans to loans | 0.3999% | 6,051 |
| Net loans and leases to total assets | 65.7272% | 2,961 |
| Net loans and leases to deposits | 72.1301% | 3,966 |
| Net loans and leases to core deposits | 77.7340% | 3,946 |
| Total domestic deposits to total assets | 91.1232% | 399 |
| Equity capital to assets | 8.3750% | 6,420 |
| Core capital (leverage) ratio | 8.3012% | 5,973 |
| Tier 1 risk-based capital ratio | 13.5266% | 4,711 |
| Total risk-based capital ratio | 14.7891% | 4,674 |
| Memoranda: | ||
| Average total assets | $73,367,500 | 5,703 |
| Average earning assets | $67,666,750 | 5,662 |
| Average equity | $6,230,500 | 6,133 |
| Average total loans | $52,482,750 | 5,215 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4399% | 1,448 |
| Cost of funding earning assets | 1.2762% | 2,081 |
| Net interest margin | 4.1636% | 2,175 |
| Noninterest income to average assets | 0.6168% | 3,022 |
| Noninterest expense to average assets | 3.3703% | 2,342 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7141% | 3,473 |
| Return on assets (ROA) | 0.7141% | 3,589 |
| Pretax return on assets | 1.0808% | 2,929 |
| Return on Equity (ROE) | 8.3672% | 2,777 |
| Retained earnings to average equity (ytd only) | 7.0650% | 1,851 |
| Net charge-offs to loans | 1.8541% | 736 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.7971% | 4,702 |
| Efficiency ratio | 75.7179% | 3,068 |
| Assets per employee ($millions) | 3.8422% | 4,104 |
| Cash dividends to net income (ytd only)* | 15.5642% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 2,324 |
| Loan loss allowance to noncurrent loans | 1,522.8571% | 262 |
| Noncurrent assets plus other real estate owned to assets | 2.9205% | 2,297 |
| Noncurrent loans to loans | 0.1324% | 6,646 |
| Net loans and leases to total assets | 70.9885% | 2,009 |
| Net loans and leases to deposits | 78.0961% | 3,105 |
| Net loans and leases to core deposits | 84.2390% | 3,175 |
| Total domestic deposits to total assets | 90.8989% | 541 |
| Equity capital to assets | 8.7121% | 5,928 |
| Core capital (leverage) ratio | 8.4009% | 5,710 |
| Tier 1 risk-based capital ratio | 13.1639% | 4,793 |
| Total risk-based capital ratio | 14.4262% | 4,767 |
| Memoranda: | ||
| Average total assets | $71,980,670 | 5,781 |
| Average earning assets | $66,288,000 | 5,745 |
| Average equity | $6,143,000 | 6,192 |
| Average total loans | $52,641,330 | 5,256 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3597% | 1,699 |
| Cost of funding earning assets | 1.3323% | 1,996 |
| Net interest margin | 4.0273% | 2,578 |
| Noninterest income to average assets | 0.6100% | 3,094 |
| Noninterest expense to average assets | 3.3804% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6156% | 3,961 |
| Return on assets (ROA) | 0.6156% | 4,026 |
| Pretax return on assets | 0.9514% | 3,310 |
| Return on Equity (ROE) | 7.2914% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.2914% | 2,025 |
| Net charge-offs to loans | 2.3535% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.5502% | 4,209 |
| Efficiency ratio | 78.0362% | 2,838 |
| Assets per employee ($millions) | 3.7548% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,777 |
| Loan loss allowance to noncurrent loans | 441.4894% | 718 |
| Noncurrent assets plus other real estate owned to assets | 1.7991% | 3,572 |
| Noncurrent loans to loans | 0.5190% | 5,989 |
| Net loans and leases to total assets | 70.6931% | 1,980 |
| Net loans and leases to deposits | 77.1692% | 3,222 |
| Net loans and leases to core deposits | 83.3325% | 3,257 |
| Total domestic deposits to total assets | 91.6080% | 388 |
| Equity capital to assets | 8.1390% | 6,356 |
| Core capital (leverage) ratio | 8.3863% | 5,651 |
| Tier 1 risk-based capital ratio | 13.0867% | 4,759 |
| Total risk-based capital ratio | 14.3530% | 4,720 |
| Memoranda: | ||
| Average total assets | $71,470,000 | 5,835 |
| Average earning assets | $66,049,000 | 5,796 |
| Average equity | $6,034,500 | 6,234 |
| Average total loans | $52,517,500 | 5,307 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3335% | 435 |
| Cost of funding earning assets | 1.5618% | 2,292 |
| Net interest margin | 4.7717% | 699 |
| Noninterest income to average assets | 0.7152% | 2,754 |
| Noninterest expense to average assets | 3.7122% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9410% | 2,238 |
| Return on assets (ROA) | 1.0212% | 2,074 |
| Pretax return on assets | 1.5284% | 1,305 |
| Return on Equity (ROE) | 10.4564% | 1,775 |
| Retained earnings to average equity (ytd only) | 9.0940% | 680 |
| Net charge-offs to loans | -0.0317% | 7,403 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4911% | 3,703 |
| Assets per employee ($millions) | 3.5708% | 4,776 |
| Cash dividends to net income (ytd only)* | 13.0293% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0649% | 824 |
| Loan loss allowance to noncurrent loans | 340.7895% | 911 |
| Noncurrent assets plus other real estate owned to assets | 2.5809% | 2,702 |
| Noncurrent loans to loans | 0.8994% | 5,259 |
| Net loans and leases to total assets | 72.4431% | 2,000 |
| Net loans and leases to deposits | 79.6554% | 3,237 |
| Net loans and leases to core deposits | 86.8019% | 3,214 |
| Total domestic deposits to total assets | 90.9455% | 624 |
| Equity capital to assets | 8.7803% | 5,468 |
| Core capital (leverage) ratio | 8.9499% | 4,620 |
| Tier 1 risk-based capital ratio | 13.8010% | 3,991 |
| Total risk-based capital ratio | 15.0786% | 3,958 |
| Memoranda: | ||
| Average total assets | $60,126,400 | 6,196 |
| Average earning assets | $55,514,600 | 6,151 |
| Average equity | $5,872,000 | 6,402 |
| Average total loans | $47,391,800 | 5,582 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5075% | 336 |
| Cost of funding earning assets | 1.5977% | 2,398 |
| Net interest margin | 4.9098% | 543 |
| Noninterest income to average assets | 0.7331% | 2,620 |
| Noninterest expense to average assets | 3.7481% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0388% | 2,103 |
| Return on assets (ROA) | 1.0653% | 2,131 |
| Pretax return on assets | 1.5579% | 1,454 |
| Return on Equity (ROE) | 10.5966% | 1,907 |
| Retained earnings to average equity (ytd only) | 9.6851% | 872 |
| Net charge-offs to loans | -0.0830% | 7,528 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1614% | 3,856 |
| Assets per employee ($millions) | 3.4398% | 5,121 |
| Cash dividends to net income (ytd only)* | 8.6019% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1255% | 748 |
| Loan loss allowance to noncurrent loans | 245.7680% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 1.8912% | 3,620 |
| Noncurrent loans to loans | 1.2717% | 4,732 |
| Net loans and leases to total assets | 74.3608% | 1,724 |
| Net loans and leases to deposits | 82.2182% | 3,061 |
| Net loans and leases to core deposits | 89.5127% | 3,163 |
| Total domestic deposits to total assets | 90.4433% | 662 |
| Equity capital to assets | 9.2630% | 5,202 |
| Core capital (leverage) ratio | 9.7443% | 3,565 |
| Tier 1 risk-based capital ratio | 13.8393% | 3,954 |
| Total risk-based capital ratio | 15.1181% | 3,910 |
| Memoranda: | ||
| Average total assets | $58,196,750 | 6,343 |
| Average earning assets | $53,741,750 | 6,288 |
| Average equity | $5,850,750 | 6,499 |
| Average total loans | $46,564,000 | 5,699 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7516% | 222 |
| Cost of funding earning assets | 1.6384% | 2,442 |
| Net interest margin | 5.1132% | 335 |
| Noninterest income to average assets | 0.7275% | 2,534 |
| Noninterest expense to average assets | 3.8309% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1429% | 1,715 |
| Return on assets (ROA) | 1.1862% | 1,664 |
| Pretax return on assets | 1.6771% | 1,098 |
| Return on Equity (ROE) | 11.4473% | 1,610 |
| Retained earnings to average equity (ytd only) | 10.0640% | 834 |
| Net charge-offs to loans | -0.0088% | 7,178 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3289% | 4,124 |
| Assets per employee ($millions) | 3.0859% | 5,957 |
| Cash dividends to net income (ytd only)* | 12.0846% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2708% | 662 |
| Loan loss allowance to noncurrent loans | 332.1121% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 5,446 |
| Noncurrent loans to loans | 0.9848% | 5,336 |
| Net loans and leases to total assets | 77.7259% | 1,160 |
| Net loans and leases to deposits | 86.7694% | 2,385 |
| Net loans and leases to core deposits | 90.0367% | 3,255 |
| Total domestic deposits to total assets | 89.5775% | 1,137 |
| Equity capital to assets | 10.1462% | 3,837 |
| Core capital (leverage) ratio | 10.2205% | 2,915 |
| Tier 1 risk-based capital ratio | 14.8887% | 3,215 |
| Total risk-based capital ratio | 16.1710% | 3,163 |
| Memoranda: | ||
| Average total assets | $55,810,000 | 6,464 |
| Average earning assets | $51,513,670 | 6,425 |
| Average equity | $5,783,000 | 6,538 |
| Average total loans | $45,362,670 | 5,802 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6859% | 270 |
| Cost of funding earning assets | 1.6974% | 2,403 |
| Net interest margin | 4.9885% | 425 |
| Noninterest income to average assets | 0.6765% | 2,769 |
| Noninterest expense to average assets | 3.7795% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0221% | 2,106 |
| Return on assets (ROA) | 1.0221% | 2,164 |
| Pretax return on assets | 1.5000% | 1,514 |
| Return on Equity (ROE) | 9.7544% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.7544% | 1,196 |
| Net charge-offs to loans | 0.1259% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 14.5714% | 1,423 |
| Efficiency ratio | 71.5877% | 3,998 |
| Assets per employee ($millions) | 2.9090% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3945% | 588 |
| Loan loss allowance to noncurrent loans | 149.5098% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 1.8925% | 3,641 |
| Noncurrent loans to loans | 2.2705% | 3,432 |
| Net loans and leases to total assets | 78.5222% | 1,056 |
| Net loans and leases to deposits | 87.9468% | 2,234 |
| Net loans and leases to core deposits | 91.9823% | 3,106 |
| Total domestic deposits to total assets | 89.2837% | 1,375 |
| Equity capital to assets | 10.4576% | 3,285 |
| Core capital (leverage) ratio | 10.4088% | 2,710 |
| Tier 1 risk-based capital ratio | 15.1746% | 3,025 |
| Total risk-based capital ratio | 16.4597% | 2,965 |
| Memoranda: | ||
| Average total assets | $54,398,500 | 6,593 |
| Average earning assets | $50,195,500 | 6,541 |
| Average equity | $5,700,000 | 6,620 |
| Average total loans | $44,487,000 | 5,914 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1801% | 214 |
| Cost of funding earning assets | 2.0883% | 2,520 |
| Net interest margin | 5.0919% | 369 |
| Noninterest income to average assets | 0.7103% | 2,896 |
| Noninterest expense to average assets | 3.8180% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0661% | 1,603 |
| Return on assets (ROA) | 1.0596% | 1,675 |
| Pretax return on assets | 1.6022% | 962 |
| Return on Equity (ROE) | 9.9699% | 1,702 |
| Retained earnings to average equity (ytd only) | 8.4846% | 589 |
| Net charge-offs to loans | 0.0195% | 6,947 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 102.1250% | 271 |
| Efficiency ratio | 70.3125% | 4,558 |
| Assets per employee ($millions) | 2.9737% | 6,290 |
| Cash dividends to net income (ytd only)* | 14.8976% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4938% | 535 |
| Loan loss allowance to noncurrent loans | 244.2857% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 4,549 |
| Noncurrent loans to loans | 1.4302% | 4,532 |
| Net loans and leases to total assets | 79.4193% | 1,115 |
| Net loans and leases to deposits | 89.0803% | 2,376 |
| Net loans and leases to core deposits | 131.9981% | 1,176 |
| Total domestic deposits to total assets | 89.1548% | 1,410 |
| Equity capital to assets | 10.4996% | 3,180 |
| Core capital (leverage) ratio | 10.1146% | 2,985 |
| Tier 1 risk-based capital ratio | 14.9532% | 2,967 |
| Total risk-based capital ratio | 16.2418% | 2,892 |
| Memoranda: | ||
| Average total assets | $50,681,200 | 6,679 |
| Average earning assets | $46,977,000 | 6,636 |
| Average equity | $5,386,200 | 6,809 |
| Average total loans | $40,969,400 | 6,057 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2045% | 224 |
| Cost of funding earning assets | 2.1437% | 2,688 |
| Net interest margin | 5.0607% | 400 |
| Noninterest income to average assets | 0.7151% | 2,917 |
| Noninterest expense to average assets | 3.8582% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0713% | 1,823 |
| Return on assets (ROA) | 1.0619% | 1,915 |
| Pretax return on assets | 1.5235% | 1,346 |
| Return on Equity (ROE) | 9.9601% | 1,926 |
| Retained earnings to average equity (ytd only) | 8.9591% | 845 |
| Net charge-offs to loans | 0.0862% | 5,822 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 22.1511% | 1,172 |
| Efficiency ratio | 71.5134% | 4,326 |
| Assets per employee ($millions) | 2.8649% | 6,499 |
| Cash dividends to net income (ytd only)* | 10.0499% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5898% | 382 |
| Loan loss allowance to noncurrent loans | 281.6667% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 4,667 |
| Noncurrent loans to loans | 1.2745% | 4,810 |
| Net loans and leases to total assets | 79.2139% | 1,343 |
| Net loans and leases to deposits | 89.1257% | 2,764 |
| Net loans and leases to core deposits | 127.8849% | 1,589 |
| Total domestic deposits to total assets | 88.8788% | 1,250 |
| Equity capital to assets | 10.7838% | 3,223 |
| Core capital (leverage) ratio | 10.2794% | 2,992 |
| Tier 1 risk-based capital ratio | 15.1918% | 2,959 |
| Total risk-based capital ratio | 16.4890% | 2,879 |
| Memoranda: | ||
| Average total assets | $49,970,000 | 6,760 |
| Average earning assets | $46,210,750 | 6,725 |
| Average equity | $5,327,750 | 6,898 |
| Average total loans | $40,199,500 | 6,147 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2184% | 230 |
| Cost of funding earning assets | 2.1778% | 2,899 |
| Net interest margin | 5.0406% | 393 |
| Noninterest income to average assets | 0.7241% | 2,846 |
| Noninterest expense to average assets | 3.7704% | 1,703 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0531% | 1,938 |
| Return on assets (ROA) | 1.0397% | 2,051 |
| Pretax return on assets | 1.5778% | 1,263 |
| Return on Equity (ROE) | 9.7905% | 2,097 |
| Retained earnings to average equity (ytd only) | 8.2667% | 1,130 |
| Net charge-offs to loans | 0.1267% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,573 |
| Efficiency ratio | 70.2336% | 4,729 |
| Assets per employee ($millions) | 2.8256% | 6,565 |
| Cash dividends to net income (ytd only)* | 15.5642% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7293% | 317 |
| Loan loss allowance to noncurrent loans | 259.7270% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 4,287 |
| Noncurrent loans to loans | 1.4359% | 4,348 |
| Net loans and leases to total assets | 77.2498% | 1,903 |
| Net loans and leases to deposits | 86.6239% | 3,433 |
| Net loans and leases to core deposits | 121.8219% | 2,221 |
| Total domestic deposits to total assets | 89.1783% | 1,180 |
| Equity capital to assets | 10.4953% | 3,406 |
| Core capital (leverage) ratio | 10.2614% | 3,031 |
| Tier 1 risk-based capital ratio | 15.1423% | 2,959 |
| Total risk-based capital ratio | 16.4342% | 2,880 |
| Memoranda: | ||
| Average total assets | $49,437,330 | 6,857 |
| Average earning assets | $45,550,330 | 6,815 |
| Average equity | $5,250,000 | 6,981 |
| Average total loans | $39,476,000 | 6,227 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2048% | 254 |
| Cost of funding earning assets | 2.1774% | 3,276 |
| Net interest margin | 5.0274% | 376 |
| Noninterest income to average assets | 0.6896% | 2,951 |
| Noninterest expense to average assets | 3.7763% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9792% | 2,400 |
| Return on assets (ROA) | 0.9687% | 2,575 |
| Pretax return on assets | 1.5598% | 1,510 |
| Return on Equity (ROE) | 9.0665% | 2,685 |
| Retained earnings to average equity (ytd only) | 9.0665% | 1,458 |
| Net charge-offs to loans | 0.5154% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.8400% | 3,046 |
| Efficiency ratio | 70.5521% | 4,464 |
| Assets per employee ($millions) | 2.7313% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8010% | 259 |
| Loan loss allowance to noncurrent loans | 1,919.2308% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 5,855 |
| Noncurrent loans to loans | 0.1980% | 6,964 |
| Net loans and leases to total assets | 77.0625% | 2,027 |
| Net loans and leases to deposits | 88.6287% | 3,165 |
| Net loans and leases to core deposits | 123.3100% | 2,136 |
| Total domestic deposits to total assets | 86.9498% | 2,241 |
| Equity capital to assets | 10.7111% | 3,281 |
| Core capital (leverage) ratio | 10.0622% | 3,334 |
| Tier 1 risk-based capital ratio | 15.0811% | 3,024 |
| Total risk-based capital ratio | 16.3735% | 2,949 |
| Memoranda: | ||
| Average total assets | $48,725,500 | 6,916 |
| Average earning assets | $45,192,000 | 6,872 |
| Average equity | $5,206,000 | 7,053 |
| Average total loans | $38,808,000 | 6,284 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6803% | 293 |
| Cost of funding earning assets | 2.9591% | 2,028 |
| Net interest margin | 4.7212% | 932 |
| Noninterest income to average assets | 0.6878% | 3,200 |
| Noninterest expense to average assets | 4.0453% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0253% | 2,454 |
| Return on assets (ROA) | 1.0597% | 2,214 |
| Pretax return on assets | 1.0597% | 3,183 |
| Return on Equity (ROE) | 10.4215% | 2,118 |
| Retained earnings to average equity (ytd only) | 9.1532% | 581 |
| Net charge-offs to loans | -0.4160% | 8,207 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7796% | 2,628 |
| Assets per employee ($millions) | 2.6826% | 6,820 |
| Cash dividends to net income (ytd only)* | 12.1704% | 4,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0463% | 181 |
| Loan loss allowance to noncurrent loans | 712.9032% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 5,301 |
| Noncurrent loans to loans | 0.5676% | 5,667 |
| Net loans and leases to total assets | 75.9728% | 2,630 |
| Net loans and leases to deposits | 88.4338% | 3,732 |
| Net loans and leases to core deposits | 117.5613% | 2,944 |
| Total domestic deposits to total assets | 85.9093% | 2,442 |
| Equity capital to assets | 10.6571% | 3,334 |
| Core capital (leverage) ratio | 10.1832% | 3,288 |
| Tier 1 risk-based capital ratio | 14.6875% | 3,208 |
| Total risk-based capital ratio | 15.9787% | 3,109 |
| Memoranda: | ||
| Average total assets | $46,523,600 | 6,918 |
| Average earning assets | $43,188,400 | 6,892 |
| Average equity | $4,730,600 | 7,239 |
| Average total loans | $36,302,400 | 6,348 |