Home > Bank of Cashton > Performance and Condition Ratios
Bank of Cashton, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 2,401 |
| Cost of funding earning assets | 2.0421% | 1,893 |
| Net interest margin | 3.1557% | 2,656 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 2.0798% | 3,369 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.1342% | 1,580 |
| Return on assets (ROA) | 1.1342% | 1,590 |
| Pretax return on assets | 1.1372% | 2,040 |
| Return on Equity (ROE) | 11.3700% | 1,742 |
| Retained earnings to average equity (ytd only) | 6.0341% | 2,099 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.1050% | 2,802 |
| Assets per employee ($millions) | 11.0347% | 544 |
| Cash dividends to net income (ytd only)* | 46.9169% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,182 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 63.9200% | 2,481 |
| Net loans and leases to deposits | 77.3630% | 2,300 |
| Net loans and leases to core deposits | 79.3272% | 2,777 |
| Total domestic deposits to total assets | 82.6200% | 3,068 |
| Equity capital to assets | 9.9406% | 2,053 |
| Core capital (leverage) ratio | 11.1917% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8559% | 1,313 |
| Memoranda: | ||
| Average total assets | $131,551,000 | 3,543 |
| Average earning assets | $116,740,500 | 3,584 |
| Average equity | $13,125,500 | 3,498 |
| Average total loans | $84,539,500 | 3,387 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 2,385 |
| Cost of funding earning assets | 1.6475% | 1,578 |
| Net interest margin | 3.1997% | 2,878 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.2342% | 3,029 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9926% | 2,246 |
| Return on assets (ROA) | 0.9974% | 2,213 |
| Pretax return on assets | 1.0014% | 2,686 |
| Return on Equity (ROE) | 9.8800% | 2,528 |
| Retained earnings to average equity (ytd only) | 2.9744% | 3,276 |
| Net charge-offs to loans | -0.0219% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.6424% | 2,042 |
| Assets per employee ($millions) | 10.8905% | 543 |
| Cash dividends to net income (ytd only)* | 69.9037% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,126 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.2800% | 2,538 |
| Net loans and leases to deposits | 77.2000% | 2,338 |
| Net loans and leases to core deposits | 78.2690% | 2,819 |
| Total domestic deposits to total assets | 81.9700% | 3,133 |
| Equity capital to assets | 10.0148% | 1,999 |
| Core capital (leverage) ratio | 11.4507% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9618% | 1,284 |
| Memoranda: | ||
| Average total assets | $124,919,000 | 3,601 |
| Average earning assets | $110,104,000 | 3,650 |
| Average equity | $12,607,400 | 3,476 |
| Average total loans | $77,709,200 | 3,445 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 2,390 |
| Cost of funding earning assets | 1.5226% | 1,549 |
| Net interest margin | 3.2184% | 2,875 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.2730% | 2,879 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9815% | 2,420 |
| Return on assets (ROA) | 0.9859% | 2,396 |
| Pretax return on assets | 0.9902% | 2,880 |
| Return on Equity (ROE) | 9.7500% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.7621% | 3,019 |
| Net charge-offs to loans | -0.0140% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.3347% | 1,864 |
| Assets per employee ($millions) | 10.6186% | 555 |
| Cash dividends to net income (ytd only)* | 51.1501% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,175 |
| Loan loss allowance to noncurrent loans | 42,250.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,871 |
| Noncurrent loans to loans | 0.0025% | 3,804 |
| Net loans and leases to total assets | 63.3300% | 2,525 |
| Net loans and leases to deposits | 77.0521% | 2,330 |
| Net loans and leases to core deposits | 78.5454% | 2,715 |
| Total domestic deposits to total assets | 82.1900% | 3,178 |
| Equity capital to assets | 9.5399% | 2,075 |
| Core capital (leverage) ratio | 11.4263% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2564% | 1,256 |
| Memoranda: | ||
| Average total assets | $123,477,250 | 3,625 |
| Average earning assets | $108,580,750 | 3,669 |
| Average equity | $12,487,250 | 3,478 |
| Average total loans | $76,245,250 | 3,470 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 2,511 |
| Cost of funding earning assets | 1.3606% | 1,553 |
| Net interest margin | 3.1971% | 3,001 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.3330% | 2,704 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8857% | 2,805 |
| Return on assets (ROA) | 0.8906% | 2,773 |
| Pretax return on assets | 0.8939% | 3,180 |
| Return on Equity (ROE) | 8.6400% | 3,077 |
| Retained earnings to average equity (ytd only) | 3.2069% | 3,419 |
| Net charge-offs to loans | -0.0215% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.9697% | 1,565 |
| Assets per employee ($millions) | 9.6072% | 751 |
| Cash dividends to net income (ytd only)* | 62.8676% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,016 |
| Loan loss allowance to noncurrent loans | 27,966.6667% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,872 |
| Noncurrent loans to loans | 0.0039% | 3,796 |
| Net loans and leases to total assets | 61.1600% | 2,650 |
| Net loans and leases to deposits | 73.3630% | 2,554 |
| Net loans and leases to core deposits | 75.3583% | 2,800 |
| Total domestic deposits to total assets | 83.3700% | 2,968 |
| Equity capital to assets | 10.1071% | 1,794 |
| Core capital (leverage) ratio | 11.5866% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5154% | 1,213 |
| Memoranda: | ||
| Average total assets | $122,162,000 | 3,655 |
| Average earning assets | $107,158,000 | 3,694 |
| Average equity | $12,597,667 | 3,477 |
| Average total loans | $74,481,333 | 3,498 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 2,547 |
| Cost of funding earning assets | 1.0862% | 1,788 |
| Net interest margin | 3.3149% | 2,842 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.2418% | 2,980 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1126% | 2,186 |
| Return on assets (ROA) | 1.1192% | 2,134 |
| Pretax return on assets | 1.1225% | 2,649 |
| Return on Equity (ROE) | 10.7400% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.6404% | 3,106 |
| Net charge-offs to loans | -0.0055% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.3725% | 2,169 |
| Assets per employee ($millions) | 9.2602% | 854 |
| Cash dividends to net income (ytd only)* | 56.8047% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,955 |
| Loan loss allowance to noncurrent loans | 27,533.3333% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,893 |
| Noncurrent loans to loans | 0.0041% | 3,825 |
| Net loans and leases to total assets | 60.5300% | 2,591 |
| Net loans and leases to deposits | 73.0447% | 2,381 |
| Net loans and leases to core deposits | 74.6030% | 2,636 |
| Total domestic deposits to total assets | 82.8700% | 3,325 |
| Equity capital to assets | 10.6669% | 1,476 |
| Core capital (leverage) ratio | 11.7543% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7162% | 1,037 |
| Memoranda: | ||
| Average total assets | $120,796,500 | 3,715 |
| Average earning assets | $106,427,500 | 3,755 |
| Average equity | $12,585,000 | 3,512 |
| Average total loans | $73,107,500 | 3,556 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 2,065 |
| Cost of funding earning assets | 0.6860% | 622 |
| Net interest margin | 3.1831% | 2,920 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.2616% | 2,860 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8813% | 3,043 |
| Return on assets (ROA) | 0.8805% | 2,985 |
| Pretax return on assets | 0.8829% | 3,411 |
| Return on Equity (ROE) | 8.6500% | 3,216 |
| Retained earnings to average equity (ytd only) | 4.6994% | 3,171 |
| Net charge-offs to loans | 0.0057% | 2,215 |
| Credit loss provision to net charge-offs | 300.0000% | 912 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 522 |
| Efficiency ratio | 71.6796% | 1,477 |
| Assets per employee ($millions) | 10.1009% | 653 |
| Cash dividends to net income (ytd only)* | 45.6481% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,744 |
| Loan loss allowance to noncurrent loans | 27,300.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,921 |
| Noncurrent loans to loans | 0.0041% | 3,851 |
| Net loans and leases to total assets | 59.1500% | 2,714 |
| Net loans and leases to deposits | 67.9438% | 2,733 |
| Net loans and leases to core deposits | 67.9444% | 3,012 |
| Total domestic deposits to total assets | 87.0600% | 2,378 |
| Equity capital to assets | 10.1715% | 1,626 |
| Core capital (leverage) ratio | 11.5382% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9419% | 987 |
| Memoranda: | ||
| Average total assets | $122,657,600 | 3,701 |
| Average earning assets | $105,400,000 | 3,783 |
| Average equity | $12,491,000 | 3,620 |
| Average total loans | $70,502,200 | 3,570 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 2,019 |
| Cost of funding earning assets | 0.6052% | 423 |
| Net interest margin | 3.1044% | 2,924 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.2587% | 2,763 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7771% | 3,331 |
| Return on assets (ROA) | 0.7760% | 3,286 |
| Pretax return on assets | 0.7782% | 3,636 |
| Return on Equity (ROE) | 7.6200% | 3,426 |
| Retained earnings to average equity (ytd only) | 3.6281% | 3,577 |
| Net charge-offs to loans | 0.0076% | 1,853 |
| Credit loss provision to net charge-offs | 150.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 181.2500% | 660 |
| Efficiency ratio | 74.1901% | 1,257 |
| Assets per employee ($millions) | 9.8607% | 682 |
| Cash dividends to net income (ytd only)* | 52.3743% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 2,883 |
| Loan loss allowance to noncurrent loans | 81,300.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,035 |
| Noncurrent loans to loans | 0.0014% | 3,972 |
| Net loans and leases to total assets | 60.1300% | 2,489 |
| Net loans and leases to deposits | 69.0938% | 2,447 |
| Net loans and leases to core deposits | 69.6034% | 2,666 |
| Total domestic deposits to total assets | 87.0300% | 2,749 |
| Equity capital to assets | 9.7847% | 1,733 |
| Core capital (leverage) ratio | 11.3234% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2271% | 1,135 |
| Memoranda: | ||
| Average total assets | $123,019,250 | 3,728 |
| Average earning assets | $105,094,500 | 3,806 |
| Average equity | $12,531,500 | 3,652 |
| Average total loans | $69,998,750 | 3,592 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 1,928 |
| Cost of funding earning assets | 0.5840% | 315 |
| Net interest margin | 2.9868% | 2,919 |
| Noninterest income to average assets | 0.3901% | 2,820 |
| Noninterest expense to average assets | 2.3278% | 2,468 |
| Loan and lease loss provision to assets | 0.0032% | 2,548 |
| Net operating income to assets | 0.5779% | 3,688 |
| Return on assets (ROA) | 0.5731% | 3,647 |
| Pretax return on assets | 0.5747% | 3,865 |
| Return on Equity (ROE) | 5.5567% | 3,692 |
| Retained earnings to average equity (ytd only) | 2.3348% | 3,661 |
| Net charge-offs to loans | 0.0144% | 1,476 |
| Credit loss provision to net charge-offs | 40.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 72.6000% | 983 |
| Efficiency ratio | 79.9779% | 950 |
| Assets per employee ($millions) | 8.9334% | 909 |
| Cash dividends to net income (ytd only)* | 57.9832% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,792 |
| Loan loss allowance to noncurrent loans | 80,800.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,076 |
| Noncurrent loans to loans | 0.0015% | 4,006 |
| Net loans and leases to total assets | 54.0598% | 2,959 |
| Net loans and leases to deposits | 61.6844% | 2,915 |
| Net loans and leases to core deposits | 62.8793% | 3,042 |
| Total domestic deposits to total assets | 87.6394% | 2,716 |
| Equity capital to assets | 9.7172% | 1,867 |
| Core capital (leverage) ratio | 10.7609% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6260% | 1,277 |
| Memoranda: | ||
| Average total assets | $124,583,000 | 3,760 |
| Average earning assets | $105,130,333 | 3,855 |
| Average equity | $12,849,333 | 3,696 |
| Average total loans | $69,344,000 | 3,631 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4726% | 1,891 |
| Cost of funding earning assets | 0.5857% | 287 |
| Net interest margin | 2.8869% | 2,884 |
| Noninterest income to average assets | 0.3700% | 2,869 |
| Noninterest expense to average assets | 2.2454% | 2,704 |
| Loan and lease loss provision to assets | 0.0064% | 2,193 |
| Net operating income to assets | 0.5598% | 3,527 |
| Return on assets (ROA) | 0.5598% | 3,502 |
| Pretax return on assets | 0.5598% | 3,731 |
| Return on Equity (ROE) | 5.2737% | 3,549 |
| Retained earnings to average equity (ytd only) | 2.2732% | 3,473 |
| Net charge-offs to loans | 0.0287% | 1,031 |
| Credit loss provision to net charge-offs | 40.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 35.2000% | 1,069 |
| Efficiency ratio | 79.8627% | 1,164 |
| Assets per employee ($millions) | 8.9695% | 930 |
| Cash dividends to net income (ytd only)* | 56.8966% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,133 |
| Loan loss allowance to noncurrent loans | 80,800.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,120 |
| Noncurrent loans to loans | 0.0014% | 4,049 |
| Net loans and leases to total assets | 55.6083% | 2,564 |
| Net loans and leases to deposits | 63.6255% | 2,563 |
| Net loans and leases to core deposits | 65.1001% | 2,710 |
| Total domestic deposits to total assets | 87.3994% | 2,785 |
| Equity capital to assets | 10.0101% | 1,883 |
| Core capital (leverage) ratio | 10.9753% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6587% | 1,596 |
| Memoranda: | ||
| Average total assets | $124,341,000 | 3,779 |
| Average earning assets | $105,166,000 | 3,870 |
| Average equity | $13,197,500 | 3,740 |
| Average total loans | $69,806,500 | 3,626 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 1,508 |
| Cost of funding earning assets | 0.7588% | 253 |
| Net interest margin | 3.1841% | 2,644 |
| Noninterest income to average assets | 0.6300% | 2,027 |
| Noninterest expense to average assets | 2.0846% | 3,426 |
| Loan and lease loss provision to assets | 0.0195% | 2,680 |
| Net operating income to assets | 1.0402% | 2,520 |
| Return on assets (ROA) | 1.0459% | 2,572 |
| Pretax return on assets | 1.0459% | 3,134 |
| Return on Equity (ROE) | 9.8708% | 2,571 |
| Retained earnings to average equity (ytd only) | 5.6241% | 2,507 |
| Net charge-offs to loans | -0.0029% | 3,429 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2971% | 2,222 |
| Assets per employee ($millions) | 9.4699% | 794 |
| Cash dividends to net income (ytd only)* | 43.0233% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,996 |
| Loan loss allowance to noncurrent loans | 1,559.6154% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 3,710 |
| Noncurrent loans to loans | 0.0754% | 3,556 |
| Net loans and leases to total assets | 55.3696% | 2,699 |
| Net loans and leases to deposits | 64.3570% | 2,658 |
| Net loans and leases to core deposits | 65.7627% | 2,842 |
| Total domestic deposits to total assets | 86.0351% | 2,894 |
| Equity capital to assets | 11.2299% | 1,645 |
| Core capital (leverage) ratio | 11.0772% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1214% | 1,475 |
| Memoranda: | ||
| Average total assets | $123,335,800 | 3,768 |
| Average earning assets | $97,389,600 | 3,934 |
| Average equity | $13,068,800 | 3,823 |
| Average total loans | $69,481,400 | 3,660 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 1,330 |
| Cost of funding earning assets | 0.8018% | 240 |
| Net interest margin | 3.2868% | 2,456 |
| Noninterest income to average assets | 0.7196% | 1,763 |
| Noninterest expense to average assets | 1.9947% | 3,692 |
| Loan and lease loss provision to assets | 0.0195% | 2,612 |
| Net operating income to assets | 1.2523% | 1,979 |
| Return on assets (ROA) | 1.2588% | 2,017 |
| Pretax return on assets | 1.2588% | 2,737 |
| Return on Equity (ROE) | 12.0600% | 2,022 |
| Retained earnings to average equity (ytd only) | 7.0911% | 2,383 |
| Net charge-offs to loans | -0.0077% | 3,577 |
| Credit loss provision to net charge-offs | -450.0000% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0652% | 2,825 |
| Assets per employee ($millions) | 9.4362% | 787 |
| Cash dividends to net income (ytd only)* | 41.2017% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,112 |
| Loan loss allowance to noncurrent loans | 455.9322% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 3,144 |
| Noncurrent loans to loans | 0.2571% | 2,902 |
| Net loans and leases to total assets | 55.4675% | 2,794 |
| Net loans and leases to deposits | 64.6762% | 2,765 |
| Net loans and leases to core deposits | 66.2596% | 2,930 |
| Total domestic deposits to total assets | 85.7618% | 2,838 |
| Equity capital to assets | 10.8657% | 2,112 |
| Core capital (leverage) ratio | 10.7115% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5351% | 1,784 |
| Memoranda: | ||
| Average total assets | $123,392,500 | 3,805 |
| Average earning assets | $95,611,750 | 4,003 |
| Average equity | $12,879,750 | 3,891 |
| Average total loans | $69,607,750 | 3,710 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 992 |
| Cost of funding earning assets | 0.8444% | 237 |
| Net interest margin | 3.4652% | 1,960 |
| Noninterest income to average assets | 0.5241% | 2,511 |
| Noninterest expense to average assets | 2.0270% | 3,613 |
| Loan and lease loss provision to assets | 0.0194% | 2,569 |
| Net operating income to assets | 1.1065% | 2,522 |
| Return on assets (ROA) | 1.1146% | 2,555 |
| Pretax return on assets | 1.1146% | 3,163 |
| Return on Equity (ROE) | 10.8248% | 2,488 |
| Retained earnings to average equity (ytd only) | 6.8185% | 2,497 |
| Net charge-offs to loans | -0.0086% | 3,617 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2894% | 2,389 |
| Assets per employee ($millions) | 9.3365% | 762 |
| Cash dividends to net income (ytd only)* | 37.0102% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,189 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,885 |
| Noncurrent loans to loans | 0.0920% | 3,714 |
| Net loans and leases to total assets | 56.6270% | 2,827 |
| Net loans and leases to deposits | 66.2761% | 2,798 |
| Net loans and leases to core deposits | 67.7500% | 2,983 |
| Total domestic deposits to total assets | 85.4410% | 2,926 |
| Equity capital to assets | 10.8721% | 2,093 |
| Core capital (leverage) ratio | 10.3316% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8164% | 1,685 |
| Memoranda: | ||
| Average total assets | $123,633,333 | 3,816 |
| Average earning assets | $93,789,333 | 4,047 |
| Average equity | $12,730,000 | 3,914 |
| Average total loans | $69,860,667 | 3,724 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 679 |
| Cost of funding earning assets | 0.8843% | 239 |
| Net interest margin | 3.7079% | 1,317 |
| Noninterest income to average assets | 0.5482% | 2,412 |
| Noninterest expense to average assets | 1.8980% | 3,986 |
| Loan and lease loss provision to assets | 0.0192% | 2,530 |
| Net operating income to assets | 1.3466% | 1,689 |
| Return on assets (ROA) | 1.3530% | 1,764 |
| Pretax return on assets | 1.3530% | 2,420 |
| Return on Equity (ROE) | 13.5072% | 1,539 |
| Retained earnings to average equity (ytd only) | 10.0504% | 1,636 |
| Net charge-offs to loans | -0.0057% | 3,443 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1532% | 3,276 |
| Assets per employee ($millions) | 9.6678% | 659 |
| Cash dividends to net income (ytd only)* | 25.5924% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,195 |
| Loan loss allowance to noncurrent loans | 1,616.3265% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 4,096 |
| Noncurrent loans to loans | 0.0711% | 3,933 |
| Net loans and leases to total assets | 54.2071% | 3,220 |
| Net loans and leases to deposits | 65.3870% | 2,990 |
| Net loans and leases to core deposits | 66.9945% | 3,157 |
| Total domestic deposits to total assets | 82.9020% | 3,707 |
| Equity capital to assets | 10.4097% | 2,352 |
| Core capital (leverage) ratio | 10.3574% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4619% | 1,754 |
| Memoranda: | ||
| Average total assets | $124,762,500 | 3,805 |
| Average earning assets | $91,371,500 | 4,081 |
| Average equity | $12,497,000 | 3,953 |
| Average total loans | $70,025,500 | 3,735 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6239% | 1,057 |
| Cost of funding earning assets | 1.1220% | 368 |
| Net interest margin | 3.5019% | 2,473 |
| Noninterest income to average assets | 0.5302% | 2,511 |
| Noninterest expense to average assets | 1.9516% | 4,229 |
| Loan and lease loss provision to assets | 0.0543% | 3,694 |
| Net operating income to assets | 1.3689% | 1,087 |
| Return on assets (ROA) | 1.3680% | 1,179 |
| Pretax return on assets | 1.3698% | 1,753 |
| Return on Equity (ROE) | 13.2942% | 965 |
| Retained earnings to average equity (ytd only) | 7.8517% | 1,095 |
| Net charge-offs to loans | 0.0368% | 2,317 |
| Credit loss provision to net charge-offs | 230.7692% | 2,014 |
| Earnings coverage of net charge-offs (x) | 60.5769% | 1,067 |
| Efficiency ratio | 57.7974% | 3,754 |
| Assets per employee ($millions) | 8.8460% | 782 |
| Cash dividends to net income (ytd only)* | 40.9392% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,447 |
| Loan loss allowance to noncurrent loans | 1,602.0408% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 4,155 |
| Noncurrent loans to loans | 0.0689% | 4,021 |
| Net loans and leases to total assets | 56.8021% | 3,223 |
| Net loans and leases to deposits | 68.9795% | 2,983 |
| Net loans and leases to core deposits | 70.7080% | 3,208 |
| Total domestic deposits to total assets | 82.3463% | 3,580 |
| Equity capital to assets | 9.6177% | 3,487 |
| Core capital (leverage) ratio | 9.4523% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4014% | 2,085 |
| Memoranda: | ||
| Average total assets | $110,525,000 | 3,875 |
| Average earning assets | $89,837,000 | 4,032 |
| Average equity | $11,373,400 | 4,041 |
| Average total loans | $70,612,000 | 3,723 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8072% | 871 |
| Cost of funding earning assets | 1.1478% | 444 |
| Net interest margin | 3.6593% | 2,067 |
| Noninterest income to average assets | 0.5224% | 2,512 |
| Noninterest expense to average assets | 1.9378% | 4,273 |
| Loan and lease loss provision to assets | 0.0560% | 3,651 |
| Net operating income to assets | 1.5647% | 785 |
| Return on assets (ROA) | 1.5635% | 867 |
| Pretax return on assets | 1.5647% | 1,286 |
| Return on Equity (ROE) | 14.9120% | 702 |
| Retained earnings to average equity (ytd only) | 8.0314% | 1,296 |
| Net charge-offs to loans | 0.0549% | 1,822 |
| Credit loss provision to net charge-offs | 155.1724% | 2,299 |
| Earnings coverage of net charge-offs (x) | 44.9655% | 1,269 |
| Efficiency ratio | 54.4375% | 4,103 |
| Assets per employee ($millions) | 8.4729% | 851 |
| Cash dividends to net income (ytd only)* | 46.1416% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,350 |
| Loan loss allowance to noncurrent loans | 1,534.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 4,240 |
| Noncurrent loans to loans | 0.0699% | 4,095 |
| Net loans and leases to total assets | 59.6353% | 3,264 |
| Net loans and leases to deposits | 72.9549% | 3,039 |
| Net loans and leases to core deposits | 75.0541% | 3,239 |
| Total domestic deposits to total assets | 81.7427% | 3,484 |
| Equity capital to assets | 9.8625% | 3,363 |
| Core capital (leverage) ratio | 9.5249% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9754% | 1,841 |
| Memoranda: | ||
| Average total assets | $107,195,250 | 3,906 |
| Average earning assets | $88,976,000 | 4,037 |
| Average equity | $11,239,000 | 4,065 |
| Average total loans | $70,482,250 | 3,742 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 670 |
| Cost of funding earning assets | 1.1843% | 531 |
| Net interest margin | 3.9334% | 1,484 |
| Noninterest income to average assets | 0.4759% | 2,675 |
| Noninterest expense to average assets | 2.0312% | 4,167 |
| Loan and lease loss provision to assets | 0.0580% | 3,579 |
| Net operating income to assets | 1.7256% | 595 |
| Return on assets (ROA) | 1.7217% | 655 |
| Pretax return on assets | 1.7236% | 948 |
| Return on Equity (ROE) | 16.0568% | 557 |
| Retained earnings to average equity (ytd only) | 9.2913% | 937 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2184% | 4,261 |
| Assets per employee ($millions) | 9.6958% | 551 |
| Cash dividends to net income (ytd only)* | 42.1348% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 61.8350% | 3,143 |
| Net loans and leases to deposits | 75.7922% | 2,897 |
| Net loans and leases to core deposits | 78.6138% | 3,062 |
| Total domestic deposits to total assets | 81.5849% | 3,477 |
| Equity capital to assets | 9.8986% | 3,288 |
| Core capital (leverage) ratio | 9.9474% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9176% | 1,854 |
| Memoranda: | ||
| Average total assets | $103,386,667 | 3,951 |
| Average earning assets | $87,812,000 | 4,056 |
| Average equity | $11,085,667 | 4,088 |
| Average total loans | $70,140,667 | 3,753 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 1,310 |
| Cost of funding earning assets | 1.2413% | 672 |
| Net interest margin | 3.6069% | 2,643 |
| Noninterest income to average assets | 0.4747% | 2,682 |
| Noninterest expense to average assets | 2.1340% | 4,151 |
| Loan and lease loss provision to assets | 0.0619% | 2,996 |
| Net operating income to assets | 1.4530% | 878 |
| Return on assets (ROA) | 1.4530% | 950 |
| Pretax return on assets | 1.4571% | 1,421 |
| Return on Equity (ROE) | 12.9531% | 894 |
| Retained earnings to average equity (ytd only) | 5.4094% | 2,111 |
| Net charge-offs to loans | 0.0116% | 2,168 |
| Credit loss provision to net charge-offs | 750.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 366 |
| Efficiency ratio | 58.4181% | 3,947 |
| Assets per employee ($millions) | 8.3973% | 646 |
| Cash dividends to net income (ytd only)* | 58.2386% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 67.7901% | 2,574 |
| Net loans and leases to deposits | 81.3718% | 2,537 |
| Net loans and leases to core deposits | 85.0674% | 2,754 |
| Total domestic deposits to total assets | 83.3090% | 3,016 |
| Equity capital to assets | 10.8756% | 2,965 |
| Core capital (leverage) ratio | 10.9805% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1887% | 3,298 |
| Memoranda: | ||
| Average total assets | $96,905,000 | 4,037 |
| Average earning assets | $85,392,500 | 4,086 |
| Average equity | $10,870,000 | 4,128 |
| Average total loans | $68,848,000 | 3,783 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8094% | 2,019 |
| Cost of funding earning assets | 1.1515% | 1,155 |
| Net interest margin | 3.6578% | 2,931 |
| Noninterest income to average assets | 0.4970% | 2,762 |
| Noninterest expense to average assets | 2.1502% | 4,268 |
| Loan and lease loss provision to assets | 0.0520% | 2,985 |
| Net operating income to assets | 1.6619% | 722 |
| Return on assets (ROA) | 1.6619% | 769 |
| Pretax return on assets | 1.6652% | 1,287 |
| Return on Equity (ROE) | 14.9628% | 695 |
| Retained earnings to average equity (ytd only) | 7.5642% | 1,135 |
| Net charge-offs to loans | 0.1441% | 1,361 |
| Credit loss provision to net charge-offs | 51.6129% | 3,115 |
| Earnings coverage of net charge-offs (x) | 17.0538% | 2,131 |
| Efficiency ratio | 55.5991% | 4,255 |
| Assets per employee ($millions) | 7.7536% | 779 |
| Cash dividends to net income (ytd only)* | 49.4463% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 2,984 |
| Loan loss allowance to noncurrent loans | 3,265.2174% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 4,532 |
| Noncurrent loans to loans | 0.0335% | 4,429 |
| Net loans and leases to total assets | 72.9458% | 1,927 |
| Net loans and leases to deposits | 88.2496% | 1,812 |
| Net loans and leases to core deposits | 91.9051% | 2,238 |
| Total domestic deposits to total assets | 82.6586% | 3,317 |
| Equity capital to assets | 11.5871% | 2,447 |
| Core capital (leverage) ratio | 11.1167% | 2,403 |
| Tier 1 risk-based capital ratio | 14.0305% | 3,252 |
| Total risk-based capital ratio | 15.0386% | 3,277 |
| Memoranda: | ||
| Average total assets | $92,363,400 | 4,107 |
| Average earning assets | $85,105,000 | 4,109 |
| Average equity | $10,258,800 | 4,206 |
| Average total loans | $64,521,000 | 3,895 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 2,115 |
| Cost of funding earning assets | 1.1348% | 1,225 |
| Net interest margin | 3.6666% | 3,039 |
| Noninterest income to average assets | 0.4975% | 2,745 |
| Noninterest expense to average assets | 2.1230% | 4,321 |
| Loan and lease loss provision to assets | 0.0477% | 2,939 |
| Net operating income to assets | 1.7022% | 741 |
| Return on assets (ROA) | 1.7022% | 780 |
| Pretax return on assets | 1.7051% | 1,324 |
| Return on Equity (ROE) | 15.4942% | 685 |
| Retained earnings to average equity (ytd only) | 7.9249% | 1,433 |
| Net charge-offs to loans | 0.1932% | 895 |
| Credit loss provision to net charge-offs | 35.8696% | 2,881 |
| Earnings coverage of net charge-offs (x) | 13.1743% | 2,312 |
| Efficiency ratio | 54.7761% | 4,306 |
| Assets per employee ($millions) | 8.0340% | 683 |
| Cash dividends to net income (ytd only)* | 48.8533% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 2,915 |
| Loan loss allowance to noncurrent loans | 24,566.6667% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,761 |
| Noncurrent loans to loans | 0.0046% | 4,668 |
| Net loans and leases to total assets | 67.3118% | 2,886 |
| Net loans and leases to deposits | 81.7130% | 2,721 |
| Net loans and leases to core deposits | 86.7985% | 2,840 |
| Total domestic deposits to total assets | 82.3759% | 3,366 |
| Equity capital to assets | 11.0126% | 3,094 |
| Core capital (leverage) ratio | 10.9742% | 2,669 |
| Tier 1 risk-based capital ratio | 14.1161% | 3,275 |
| Total risk-based capital ratio | 15.1362% | 3,295 |
| Memoranda: | ||
| Average total assets | $92,193,500 | 4,159 |
| Average earning assets | $84,944,500 | 4,164 |
| Average equity | $10,128,250 | 4,268 |
| Average total loans | $63,495,750 | 3,959 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 2,352 |
| Cost of funding earning assets | 1.1053% | 1,280 |
| Net interest margin | 3.5969% | 3,264 |
| Noninterest income to average assets | 0.5243% | 2,543 |
| Noninterest expense to average assets | 2.0685% | 4,468 |
| Loan and lease loss provision to assets | 0.0397% | 3,022 |
| Net operating income to assets | 1.7976% | 600 |
| Return on assets (ROA) | 1.7976% | 626 |
| Pretax return on assets | 1.7998% | 1,030 |
| Return on Equity (ROE) | 16.3768% | 534 |
| Retained earnings to average equity (ytd only) | 8.1482% | 1,334 |
| Net charge-offs to loans | 0.2963% | 575 |
| Credit loss provision to net charge-offs | 19.3548% | 2,659 |
| Earnings coverage of net charge-offs (x) | 8.9785% | 2,368 |
| Efficiency ratio | 52.9312% | 4,570 |
| Assets per employee ($millions) | 7.8056% | 719 |
| Cash dividends to net income (ytd only)* | 50.2451% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,997 |
| Loan loss allowance to noncurrent loans | 24,033.3333% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,809 |
| Noncurrent loans to loans | 0.0046% | 4,713 |
| Net loans and leases to total assets | 68.2738% | 2,779 |
| Net loans and leases to deposits | 80.9084% | 2,855 |
| Net loans and leases to core deposits | 85.3873% | 3,007 |
| Total domestic deposits to total assets | 84.3840% | 2,727 |
| Equity capital to assets | 11.0348% | 3,009 |
| Core capital (leverage) ratio | 11.0803% | 2,521 |
| Tier 1 risk-based capital ratio | 14.2294% | 3,195 |
| Total risk-based capital ratio | 15.2475% | 3,233 |
| Memoranda: | ||
| Average total assets | $90,788,670 | 4,204 |
| Average earning assets | $85,406,670 | 4,186 |
| Average equity | $9,965,330 | 4,302 |
| Average total loans | $62,784,000 | 3,998 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 2,404 |
| Cost of funding earning assets | 1.1037% | 1,167 |
| Net interest margin | 3.5395% | 3,463 |
| Noninterest income to average assets | 0.5193% | 2,441 |
| Noninterest expense to average assets | 2.1489% | 4,374 |
| Loan and lease loss provision to assets | 0.0313% | 2,999 |
| Net operating income to assets | 1.6654% | 788 |
| Return on assets (ROA) | 1.6654% | 817 |
| Pretax return on assets | 1.6698% | 1,286 |
| Return on Equity (ROE) | 15.2147% | 709 |
| Retained earnings to average equity (ytd only) | 6.9939% | 2,048 |
| Net charge-offs to loans | -0.0065% | 4,088 |
| Credit loss provision to net charge-offs | -700.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8140% | 4,357 |
| Assets per employee ($millions) | 7.5013% | 816 |
| Cash dividends to net income (ytd only)* | 54.0323% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,256 |
| Loan loss allowance to noncurrent loans | 546.9388% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 3,998 |
| Noncurrent loans to loans | 0.2311% | 3,751 |
| Net loans and leases to total assets | 69.7809% | 2,514 |
| Net loans and leases to deposits | 82.8899% | 2,515 |
| Net loans and leases to core deposits | 88.9288% | 2,603 |
| Total domestic deposits to total assets | 84.1850% | 2,982 |
| Equity capital to assets | 11.0691% | 2,780 |
| Core capital (leverage) ratio | 11.0977% | 2,482 |
| Tier 1 risk-based capital ratio | 14.1441% | 3,278 |
| Total risk-based capital ratio | 15.2995% | 3,232 |
| Memoranda: | ||
| Average total assets | $89,349,500 | 4,274 |
| Average earning assets | $84,080,000 | 4,250 |
| Average equity | $9,780,000 | 4,359 |
| Average total loans | $61,840,500 | 4,054 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 2,214 |
| Cost of funding earning assets | 0.9626% | 872 |
| Net interest margin | 3.6120% | 3,340 |
| Noninterest income to average assets | 0.5446% | 2,583 |
| Noninterest expense to average assets | 2.3729% | 3,950 |
| Loan and lease loss provision to assets | 0.0512% | 3,159 |
| Net operating income to assets | 1.5082% | 1,096 |
| Return on assets (ROA) | 1.5082% | 1,081 |
| Pretax return on assets | 1.5222% | 1,707 |
| Return on Equity (ROE) | 13.7866% | 1,103 |
| Retained earnings to average equity (ytd only) | 5.5210% | 2,472 |
| Net charge-offs to loans | -0.0137% | 4,583 |
| Credit loss provision to net charge-offs | -550.0000% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1298% | 3,838 |
| Assets per employee ($millions) | 7.3903% | 836 |
| Cash dividends to net income (ytd only)* | 59.9537% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 1,923 |
| Loan loss allowance to noncurrent loans | 462.7907% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 3,853 |
| Noncurrent loans to loans | 0.2864% | 3,538 |
| Net loans and leases to total assets | 66.8302% | 3,024 |
| Net loans and leases to deposits | 80.1219% | 2,943 |
| Net loans and leases to core deposits | 85.4792% | 2,956 |
| Total domestic deposits to total assets | 83.4106% | 3,187 |
| Equity capital to assets | 10.8206% | 2,873 |
| Core capital (leverage) ratio | 11.0684% | 2,462 |
| Tier 1 risk-based capital ratio | 14.4494% | 3,086 |
| Total risk-based capital ratio | 15.6387% | 3,035 |
| Memoranda: | ||
| Average total assets | $85,929,800 | 4,328 |
| Average earning assets | $80,924,200 | 4,302 |
| Average equity | $9,400,400 | 4,400 |
| Average total loans | $58,592,000 | 4,129 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 2,103 |
| Cost of funding earning assets | 0.9093% | 886 |
| Net interest margin | 3.6521% | 3,195 |
| Noninterest income to average assets | 0.5568% | 2,535 |
| Noninterest expense to average assets | 2.3806% | 3,899 |
| Loan and lease loss provision to assets | 0.0641% | 2,689 |
| Net operating income to assets | 1.5422% | 1,087 |
| Return on assets (ROA) | 1.5422% | 1,086 |
| Pretax return on assets | 1.5548% | 1,721 |
| Return on Equity (ROE) | 14.0580% | 1,100 |
| Retained earnings to average equity (ytd only) | 5.5034% | 2,946 |
| Net charge-offs to loans | -0.0160% | 4,550 |
| Credit loss provision to net charge-offs | -585.7143% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5229% | 3,879 |
| Assets per employee ($millions) | 7.3588% | 819 |
| Cash dividends to net income (ytd only)* | 60.8521% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 1,972 |
| Loan loss allowance to noncurrent loans | 521.0526% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 4,091 |
| Noncurrent loans to loans | 0.2549% | 3,780 |
| Net loans and leases to total assets | 66.6440% | 3,108 |
| Net loans and leases to deposits | 79.7404% | 3,070 |
| Net loans and leases to core deposits | 84.1592% | 3,144 |
| Total domestic deposits to total assets | 83.5762% | 3,094 |
| Equity capital to assets | 10.6483% | 2,988 |
| Core capital (leverage) ratio | 11.1098% | 2,483 |
| Tier 1 risk-based capital ratio | 14.4028% | 3,169 |
| Total risk-based capital ratio | 15.5943% | 3,104 |
| Memoranda: | ||
| Average total assets | $85,241,500 | 4,386 |
| Average earning assets | $80,354,000 | 4,359 |
| Average equity | $9,351,500 | 4,445 |
| Average total loans | $58,224,250 | 4,180 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5502% | 1,940 |
| Cost of funding earning assets | 0.8466% | 933 |
| Net interest margin | 3.7037% | 2,911 |
| Noninterest income to average assets | 0.4939% | 2,896 |
| Noninterest expense to average assets | 2.3344% | 4,063 |
| Loan and lease loss provision to assets | 0.0712% | 2,464 |
| Net operating income to assets | 1.5697% | 991 |
| Return on assets (ROA) | 1.5697% | 995 |
| Pretax return on assets | 1.5792% | 1,572 |
| Return on Equity (ROE) | 14.1628% | 1,038 |
| Retained earnings to average equity (ytd only) | 6.1708% | 2,472 |
| Net charge-offs to loans | -0.0242% | 4,652 |
| Credit loss provision to net charge-offs | -428.5714% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5816% | 4,141 |
| Assets per employee ($millions) | 7.0057% | 919 |
| Cash dividends to net income (ytd only)* | 56.4297% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,809 |
| Loan loss allowance to noncurrent loans | 470.4819% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 3,109 |
| Noncurrent loans to loans | 0.2941% | 3,643 |
| Net loans and leases to total assets | 66.2035% | 3,115 |
| Net loans and leases to deposits | 78.0031% | 3,158 |
| Net loans and leases to core deposits | 81.8760% | 3,256 |
| Total domestic deposits to total assets | 84.8730% | 2,717 |
| Equity capital to assets | 11.1695% | 2,481 |
| Core capital (leverage) ratio | 11.3597% | 2,199 |
| Tier 1 risk-based capital ratio | 14.7525% | 2,993 |
| Total risk-based capital ratio | 15.9684% | 2,939 |
| Memoranda: | ||
| Average total assets | $84,220,330 | 4,445 |
| Average earning assets | $79,380,330 | 4,412 |
| Average equity | $9,334,330 | 4,487 |
| Average total loans | $57,751,670 | 4,225 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 1,500 |
| Cost of funding earning assets | 0.7590% | 1,143 |
| Net interest margin | 3.8653% | 2,174 |
| Noninterest income to average assets | 0.4982% | 2,809 |
| Noninterest expense to average assets | 2.4390% | 3,840 |
| Loan and lease loss provision to assets | 0.0712% | 2,340 |
| Net operating income to assets | 1.6276% | 805 |
| Return on assets (ROA) | 1.6276% | 805 |
| Pretax return on assets | 1.6371% | 1,280 |
| Return on Equity (ROE) | 14.7424% | 847 |
| Retained earnings to average equity (ytd only) | 6.1462% | 2,647 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8101% | 4,249 |
| Assets per employee ($millions) | 6.9570% | 976 |
| Cash dividends to net income (ytd only)* | 58.3090% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 2,124 |
| Loan loss allowance to noncurrent loans | 341.8919% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 3,805 |
| Noncurrent loans to loans | 0.3874% | 3,396 |
| Net loans and leases to total assets | 67.7315% | 2,795 |
| Net loans and leases to deposits | 79.6992% | 2,844 |
| Net loans and leases to core deposits | 83.6811% | 3,007 |
| Total domestic deposits to total assets | 84.9839% | 2,932 |
| Equity capital to assets | 11.1099% | 2,474 |
| Core capital (leverage) ratio | 11.1311% | 2,307 |
| Tier 1 risk-based capital ratio | 14.3884% | 3,177 |
| Total risk-based capital ratio | 15.5587% | 3,140 |
| Memoranda: | ||
| Average total assets | $84,296,500 | 4,490 |
| Average earning assets | $79,579,500 | 4,453 |
| Average equity | $9,306,500 | 4,537 |
| Average total loans | $58,409,000 | 4,238 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 2,228 |
| Cost of funding earning assets | 0.6802% | 1,132 |
| Net interest margin | 3.6522% | 2,981 |
| Noninterest income to average assets | 0.7524% | 1,763 |
| Noninterest expense to average assets | 2.2187% | 4,491 |
| Loan and lease loss provision to assets | 0.0721% | 2,770 |
| Net operating income to assets | 1.8954% | 345 |
| Return on assets (ROA) | 1.8954% | 354 |
| Pretax return on assets | 1.9074% | 595 |
| Return on Equity (ROE) | 17.3308% | 366 |
| Retained earnings to average equity (ytd only) | 6.8246% | 1,149 |
| Net charge-offs to loans | 0.0323% | 3,142 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 687 |
| Efficiency ratio | 52.8486% | 5,050 |
| Assets per employee ($millions) | 7.0924% | 932 |
| Cash dividends to net income (ytd only)* | 60.6214% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,467 |
| Loan loss allowance to noncurrent loans | 132.1492% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 2,336 |
| Noncurrent loans to loans | 0.9460% | 1,879 |
| Net loans and leases to total assets | 69.0526% | 2,675 |
| Net loans and leases to deposits | 82.2119% | 2,702 |
| Net loans and leases to core deposits | 85.6581% | 2,935 |
| Total domestic deposits to total assets | 83.9935% | 3,211 |
| Equity capital to assets | 10.9718% | 2,650 |
| Core capital (leverage) ratio | 10.8910% | 2,434 |
| Tier 1 risk-based capital ratio | 14.3113% | 3,192 |
| Total risk-based capital ratio | 15.4702% | 3,134 |
| Memoranda: | ||
| Average total assets | $83,203,600 | 4,527 |
| Average earning assets | $78,500,800 | 4,485 |
| Average equity | $9,099,400 | 4,596 |
| Average total loans | $55,643,000 | 4,304 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 2,349 |
| Cost of funding earning assets | 0.6629% | 1,165 |
| Net interest margin | 3.6099% | 3,112 |
| Noninterest income to average assets | 0.8332% | 1,463 |
| Noninterest expense to average assets | 2.2531% | 4,412 |
| Loan and lease loss provision to assets | 0.0741% | 2,588 |
| Net operating income to assets | 1.9002% | 390 |
| Return on assets (ROA) | 1.9002% | 396 |
| Pretax return on assets | 1.9114% | 663 |
| Return on Equity (ROE) | 17.3894% | 385 |
| Retained earnings to average equity (ytd only) | 7.0502% | 1,666 |
| Net charge-offs to loans | -0.0024% | 4,339 |
| Credit loss provision to net charge-offs | -4,600.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1559% | 4,996 |
| Assets per employee ($millions) | 6.9173% | 985 |
| Cash dividends to net income (ytd only)* | 59.4570% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 2,118 |
| Loan loss allowance to noncurrent loans | 166.0754% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 2,803 |
| Noncurrent loans to loans | 0.8129% | 2,332 |
| Net loans and leases to total assets | 65.9334% | 3,112 |
| Net loans and leases to deposits | 76.0646% | 3,373 |
| Net loans and leases to core deposits | 78.9174% | 3,544 |
| Total domestic deposits to total assets | 86.6808% | 2,007 |
| Equity capital to assets | 11.1760% | 2,697 |
| Core capital (leverage) ratio | 10.9618% | 2,493 |
| Tier 1 risk-based capital ratio | 14.5297% | 3,166 |
| Total risk-based capital ratio | 15.7330% | 3,108 |
| Memoranda: | ||
| Average total assets | $82,727,250 | 4,582 |
| Average earning assets | $78,043,250 | 4,536 |
| Average equity | $9,039,750 | 4,656 |
| Average total loans | $54,675,250 | 4,371 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,375 |
| Cost of funding earning assets | 0.6471% | 1,158 |
| Net interest margin | 3.5794% | 3,111 |
| Noninterest income to average assets | 0.9948% | 1,026 |
| Noninterest expense to average assets | 2.2122% | 4,542 |
| Loan and lease loss provision to assets | 0.0726% | 2,521 |
| Net operating income to assets | 2.0718% | 269 |
| Return on assets (ROA) | 2.0718% | 275 |
| Pretax return on assets | 2.0839% | 462 |
| Return on Equity (ROE) | 19.1057% | 260 |
| Retained earnings to average equity (ytd only) | 8.7270% | 928 |
| Net charge-offs to loans | -0.0037% | 4,271 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6371% | 5,267 |
| Assets per employee ($millions) | 6.9090% | 968 |
| Cash dividends to net income (ytd only)* | 54.3224% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,287 |
| Loan loss allowance to noncurrent loans | 186.9898% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 3,081 |
| Noncurrent loans to loans | 0.7099% | 2,626 |
| Net loans and leases to total assets | 65.7198% | 3,146 |
| Net loans and leases to deposits | 76.5826% | 3,272 |
| Net loans and leases to core deposits | 78.4584% | 3,557 |
| Total domestic deposits to total assets | 85.8156% | 2,464 |
| Equity capital to assets | 11.1316% | 2,672 |
| Core capital (leverage) ratio | 10.9660% | 2,449 |
| Tier 1 risk-based capital ratio | 14.4879% | 3,173 |
| Total risk-based capital ratio | 15.6735% | 3,132 |
| Memoranda: | ||
| Average total assets | $82,633,670 | 4,618 |
| Average earning assets | $77,889,670 | 4,568 |
| Average equity | $8,960,670 | 4,685 |
| Average total loans | $54,407,330 | 4,403 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 2,471 |
| Cost of funding earning assets | 0.6283% | 1,203 |
| Net interest margin | 3.5223% | 3,187 |
| Noninterest income to average assets | 1.5031% | 481 |
| Noninterest expense to average assets | 2.2934% | 4,423 |
| Loan and lease loss provision to assets | 0.0727% | 2,352 |
| Net operating income to assets | 2.4486% | 150 |
| Return on assets (ROA) | 2.4486% | 154 |
| Pretax return on assets | 2.4534% | 235 |
| Return on Equity (ROE) | 22.8856% | 123 |
| Retained earnings to average equity (ytd only) | 13.1422% | 366 |
| Net charge-offs to loans | -0.0074% | 4,302 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5855% | 5,484 |
| Assets per employee ($millions) | 6.2798% | 1,312 |
| Cash dividends to net income (ytd only)* | 42.5743% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 2,286 |
| Loan loss allowance to noncurrent loans | 198.3425% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 3,319 |
| Noncurrent loans to loans | 0.6834% | 2,799 |
| Net loans and leases to total assets | 64.0082% | 3,278 |
| Net loans and leases to deposits | 74.7632% | 3,328 |
| Net loans and leases to core deposits | 76.8106% | 3,572 |
| Total domestic deposits to total assets | 85.6145% | 2,833 |
| Equity capital to assets | 11.0353% | 2,592 |
| Core capital (leverage) ratio | 10.7945% | 2,601 |
| Tier 1 risk-based capital ratio | 14.9143% | 3,006 |
| Total risk-based capital ratio | 16.1233% | 2,957 |
| Memoranda: | ||
| Average total assets | $82,496,500 | 4,666 |
| Average earning assets | $77,675,500 | 4,617 |
| Average equity | $8,826,500 | 4,747 |
| Average total loans | $54,001,000 | 4,454 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,173 |
| Cost of funding earning assets | 0.6121% | 1,262 |
| Net interest margin | 3.6779% | 2,784 |
| Noninterest income to average assets | 0.4950% | 3,272 |
| Noninterest expense to average assets | 2.2425% | 4,669 |
| Loan and lease loss provision to assets | 0.0746% | 2,861 |
| Net operating income to assets | 1.6144% | 655 |
| Return on assets (ROA) | 1.6480% | 637 |
| Pretax return on assets | 1.6492% | 1,137 |
| Return on Equity (ROE) | 15.2457% | 598 |
| Retained earnings to average equity (ytd only) | 6.6275% | 1,393 |
| Net charge-offs to loans | 0.0608% | 2,840 |
| Credit loss provision to net charge-offs | 193.5484% | 1,461 |
| Earnings coverage of net charge-offs (x) | 43.8387% | 1,103 |
| Efficiency ratio | 57.0209% | 4,948 |
| Assets per employee ($millions) | 6.4119% | 1,195 |
| Cash dividends to net income (ytd only)* | 56.5283% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,672 |
| Loan loss allowance to noncurrent loans | 1,080.0000% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 4,284 |
| Noncurrent loans to loans | 0.1181% | 4,760 |
| Net loans and leases to total assets | 65.1755% | 3,198 |
| Net loans and leases to deposits | 76.5708% | 3,256 |
| Net loans and leases to core deposits | 80.1733% | 3,380 |
| Total domestic deposits to total assets | 85.1179% | 2,996 |
| Equity capital to assets | 10.3701% | 3,307 |
| Core capital (leverage) ratio | 10.4137% | 2,971 |
| Tier 1 risk-based capital ratio | 13.7823% | 3,592 |
| Total risk-based capital ratio | 14.9118% | 3,576 |
| Memoranda: | ||
| Average total assets | $80,402,000 | 4,728 |
| Average earning assets | $75,151,400 | 4,701 |
| Average equity | $8,691,000 | 4,804 |
| Average total loans | $51,000,400 | 4,552 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,356 |
| Cost of funding earning assets | 0.6071% | 1,274 |
| Net interest margin | 3.6387% | 2,931 |
| Noninterest income to average assets | 0.4485% | 3,570 |
| Noninterest expense to average assets | 2.2812% | 4,579 |
| Loan and lease loss provision to assets | 0.0753% | 2,714 |
| Net operating income to assets | 1.4912% | 894 |
| Return on assets (ROA) | 1.5364% | 862 |
| Pretax return on assets | 1.5381% | 1,576 |
| Return on Equity (ROE) | 14.0642% | 814 |
| Retained earnings to average equity (ytd only) | 5.5459% | 2,459 |
| Net charge-offs to loans | 0.0854% | 2,111 |
| Credit loss provision to net charge-offs | 140.6250% | 1,859 |
| Earnings coverage of net charge-offs (x) | 29.2782% | 1,515 |
| Efficiency ratio | 59.2609% | 4,653 |
| Assets per employee ($millions) | 6.3499% | 1,207 |
| Cash dividends to net income (ytd only)* | 60.5660% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,923 |
| Loan loss allowance to noncurrent loans | 317.5926% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 2,977 |
| Noncurrent loans to loans | 0.3952% | 3,852 |
| Net loans and leases to total assets | 65.3769% | 3,222 |
| Net loans and leases to deposits | 77.2671% | 3,266 |
| Net loans and leases to core deposits | 81.5116% | 3,324 |
| Total domestic deposits to total assets | 84.6116% | 2,981 |
| Equity capital to assets | 10.8311% | 3,216 |
| Core capital (leverage) ratio | 10.3300% | 3,188 |
| Tier 1 risk-based capital ratio | 13.3380% | 3,959 |
| Total risk-based capital ratio | 14.4335% | 3,951 |
| Memoranda: | ||
| Average total assets | $79,663,750 | 4,779 |
| Average earning assets | $74,456,750 | 4,748 |
| Average equity | $8,702,750 | 4,855 |
| Average total loans | $49,993,250 | 4,612 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 2,362 |
| Cost of funding earning assets | 0.6085% | 1,261 |
| Net interest margin | 3.6318% | 2,973 |
| Noninterest income to average assets | 0.4015% | 3,863 |
| Noninterest expense to average assets | 2.3176% | 4,558 |
| Loan and lease loss provision to assets | 0.0762% | 2,612 |
| Net operating income to assets | 1.3875% | 1,083 |
| Return on assets (ROA) | 1.4028% | 1,113 |
| Pretax return on assets | 1.4053% | 2,004 |
| Return on Equity (ROE) | 12.8025% | 1,081 |
| Retained earnings to average equity (ytd only) | 5.4967% | 2,425 |
| Net charge-offs to loans | 0.1363% | 1,513 |
| Credit loss provision to net charge-offs | 90.9091% | 2,226 |
| Earnings coverage of net charge-offs (x) | 17.4848% | 1,872 |
| Efficiency ratio | 61.2492% | 4,471 |
| Assets per employee ($millions) | 6.1307% | 1,315 |
| Cash dividends to net income (ytd only)* | 57.0652% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,689 |
| Loan loss allowance to noncurrent loans | 288.7931% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 2,939 |
| Noncurrent loans to loans | 0.4563% | 3,737 |
| Net loans and leases to total assets | 62.9506% | 3,508 |
| Net loans and leases to deposits | 72.3728% | 3,752 |
| Net loans and leases to core deposits | 75.5747% | 3,857 |
| Total domestic deposits to total assets | 86.9810% | 1,926 |
| Equity capital to assets | 11.2385% | 2,808 |
| Core capital (leverage) ratio | 10.5244% | 2,944 |
| Tier 1 risk-based capital ratio | 14.0452% | 3,581 |
| Total risk-based capital ratio | 15.1891% | 3,558 |
| Memoranda: | ||
| Average total assets | $78,702,000 | 4,843 |
| Average earning assets | $73,297,000 | 4,814 |
| Average equity | $8,623,330 | 4,904 |
| Average total loans | $48,439,670 | 4,698 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 2,641 |
| Cost of funding earning assets | 0.6192% | 1,220 |
| Net interest margin | 3.5329% | 3,348 |
| Noninterest income to average assets | 0.5166% | 3,012 |
| Noninterest expense to average assets | 2.4449% | 4,241 |
| Loan and lease loss provision to assets | 0.0767% | 2,427 |
| Net operating income to assets | 1.2634% | 1,363 |
| Return on assets (ROA) | 1.2634% | 1,453 |
| Pretax return on assets | 1.2634% | 2,455 |
| Return on Equity (ROE) | 11.6833% | 1,405 |
| Retained earnings to average equity (ytd only) | 3.8787% | 3,558 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5946% | 4,033 |
| Assets per employee ($millions) | 6.0325% | 1,387 |
| Cash dividends to net income (ytd only)* | 66.8016% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 2,340 |
| Loan loss allowance to noncurrent loans | 55.7536% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 2.0122% | 858 |
| Noncurrent loans to loans | 2.5445% | 727 |
| Net loans and leases to total assets | 60.9625% | 3,652 |
| Net loans and leases to deposits | 68.5655% | 3,994 |
| Net loans and leases to core deposits | 71.7159% | 4,086 |
| Total domestic deposits to total assets | 88.9113% | 1,149 |
| Equity capital to assets | 10.9548% | 2,992 |
| Core capital (leverage) ratio | 10.4060% | 3,064 |
| Tier 1 risk-based capital ratio | 14.1535% | 3,598 |
| Total risk-based capital ratio | 15.3598% | 3,543 |
| Memoranda: | ||
| Average total assets | $78,203,500 | 4,896 |
| Average earning assets | $72,348,000 | 4,869 |
| Average equity | $8,456,500 | 4,960 |
| Average total loans | $47,239,000 | 4,756 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 2,376 |
| Cost of funding earning assets | 0.6161% | 1,268 |
| Net interest margin | 3.6378% | 2,989 |
| Noninterest income to average assets | 0.4461% | 3,701 |
| Noninterest expense to average assets | 2.2954% | 4,807 |
| Loan and lease loss provision to assets | 0.0767% | 2,743 |
| Net operating income to assets | 1.4596% | 932 |
| Return on assets (ROA) | 1.4839% | 920 |
| Pretax return on assets | 1.4864% | 1,602 |
| Return on Equity (ROE) | 14.2910% | 801 |
| Retained earnings to average equity (ytd only) | 6.1423% | 1,725 |
| Net charge-offs to loans | 0.0222% | 3,823 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 120.4000% | 502 |
| Efficiency ratio | 59.8667% | 4,922 |
| Assets per employee ($millions) | 5.9988% | 1,390 |
| Cash dividends to net income (ytd only)* | 57.0198% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 2,163 |
| Loan loss allowance to noncurrent loans | 164.9510% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 2,264 |
| Noncurrent loans to loans | 0.8873% | 2,580 |
| Net loans and leases to total assets | 58.0996% | 4,075 |
| Net loans and leases to deposits | 65.8150% | 4,329 |
| Net loans and leases to core deposits | 68.8985% | 4,382 |
| Total domestic deposits to total assets | 88.2772% | 1,489 |
| Equity capital to assets | 10.6713% | 3,166 |
| Core capital (leverage) ratio | 10.4296% | 3,023 |
| Tier 1 risk-based capital ratio | 14.3638% | 3,513 |
| Total risk-based capital ratio | 15.5737% | 3,450 |
| Memoranda: | ||
| Average total assets | $78,242,200 | 4,906 |
| Average earning assets | $72,873,800 | 4,880 |
| Average equity | $8,124,000 | 5,039 |
| Average total loans | $45,132,400 | 4,827 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,501 |
| Cost of funding earning assets | 0.6214% | 1,267 |
| Net interest margin | 3.6050% | 3,141 |
| Noninterest income to average assets | 0.5142% | 3,267 |
| Noninterest expense to average assets | 2.2560% | 4,891 |
| Loan and lease loss provision to assets | 0.0783% | 2,609 |
| Net operating income to assets | 1.5562% | 838 |
| Return on assets (ROA) | 1.5886% | 828 |
| Pretax return on assets | 1.5903% | 1,413 |
| Return on Equity (ROE) | 15.4062% | 673 |
| Retained earnings to average equity (ytd only) | 6.1756% | 2,134 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9615% | 5,125 |
| Assets per employee ($millions) | 5.9416% | 1,414 |
| Cash dividends to net income (ytd only)* | 59.9138% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 2,448 |
| Loan loss allowance to noncurrent loans | 213.0573% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 2,682 |
| Noncurrent loans to loans | 0.6720% | 3,313 |
| Net loans and leases to total assets | 59.6290% | 3,926 |
| Net loans and leases to deposits | 68.7505% | 4,117 |
| Net loans and leases to core deposits | 70.5513% | 4,318 |
| Total domestic deposits to total assets | 86.7324% | 2,167 |
| Equity capital to assets | 10.7288% | 3,326 |
| Core capital (leverage) ratio | 10.2268% | 3,338 |
| Tier 1 risk-based capital ratio | 14.2534% | 3,699 |
| Total risk-based capital ratio | 15.4657% | 3,653 |
| Memoranda: | ||
| Average total assets | $78,306,500 | 4,960 |
| Average earning assets | $73,377,250 | 4,927 |
| Average equity | $8,074,500 | 5,114 |
| Average total loans | $44,920,000 | 4,882 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 3,002 |
| Cost of funding earning assets | 0.6251% | 1,256 |
| Net interest margin | 3.4463% | 3,729 |
| Noninterest income to average assets | 0.4627% | 3,612 |
| Noninterest expense to average assets | 2.2171% | 5,062 |
| Loan and lease loss provision to assets | 0.0763% | 2,596 |
| Net operating income to assets | 1.3933% | 1,102 |
| Return on assets (ROA) | 1.4416% | 1,047 |
| Pretax return on assets | 1.4416% | 1,832 |
| Return on Equity (ROE) | 14.1685% | 869 |
| Retained earnings to average equity (ytd only) | 6.7969% | 1,793 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1379% | 4,956 |
| Assets per employee ($millions) | 6.0046% | 1,347 |
| Cash dividends to net income (ytd only)* | 52.0282% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,543 |
| Loan loss allowance to noncurrent loans | 55.1055% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.9857% | 1,116 |
| Noncurrent loans to loans | 2.6195% | 839 |
| Net loans and leases to total assets | 57.1150% | 4,206 |
| Net loans and leases to deposits | 65.6758% | 4,367 |
| Net loans and leases to core deposits | 66.7265% | 4,594 |
| Total domestic deposits to total assets | 86.9652% | 2,188 |
| Equity capital to assets | 10.2498% | 3,748 |
| Core capital (leverage) ratio | 9.9627% | 3,660 |
| Tier 1 risk-based capital ratio | 13.6514% | 4,126 |
| Total risk-based capital ratio | 14.7997% | 4,120 |
| Memoranda: | ||
| Average total assets | $78,661,670 | 5,004 |
| Average earning assets | $73,586,000 | 4,968 |
| Average equity | $8,003,670 | 5,164 |
| Average total loans | $44,317,670 | 4,938 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 2,898 |
| Cost of funding earning assets | 0.6238% | 1,277 |
| Net interest margin | 3.4607% | 3,582 |
| Noninterest income to average assets | 0.4660% | 3,530 |
| Noninterest expense to average assets | 2.2492% | 5,009 |
| Loan and lease loss provision to assets | 0.0760% | 2,431 |
| Net operating income to assets | 1.3728% | 1,085 |
| Return on assets (ROA) | 1.3272% | 1,270 |
| Pretax return on assets | 1.3272% | 2,165 |
| Return on Equity (ROE) | 13.0918% | 1,067 |
| Retained earnings to average equity (ytd only) | 5.8463% | 2,582 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8219% | 4,986 |
| Assets per employee ($millions) | 6.0412% | 1,378 |
| Cash dividends to net income (ytd only)* | 55.3435% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,744 |
| Loan loss allowance to noncurrent loans | 49.6112% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.1366% | 1,079 |
| Noncurrent loans to loans | 2.9008% | 772 |
| Net loans and leases to total assets | 55.6356% | 4,245 |
| Net loans and leases to deposits | 63.8018% | 4,391 |
| Net loans and leases to core deposits | 65.5987% | 4,558 |
| Total domestic deposits to total assets | 87.2008% | 2,271 |
| Equity capital to assets | 10.3978% | 3,653 |
| Core capital (leverage) ratio | 9.8758% | 3,785 |
| Tier 1 risk-based capital ratio | 14.3650% | 3,791 |
| Total risk-based capital ratio | 15.5698% | 3,743 |
| Memoranda: | ||
| Average total assets | $78,962,500 | 5,046 |
| Average earning assets | $73,741,500 | 5,007 |
| Average equity | $8,005,000 | 5,209 |
| Average total loans | $43,858,000 | 4,989 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 2,688 |
| Cost of funding earning assets | 0.6668% | 1,287 |
| Net interest margin | 3.6114% | 3,372 |
| Noninterest income to average assets | 0.4342% | 3,940 |
| Noninterest expense to average assets | 2.1968% | 5,365 |
| Loan and lease loss provision to assets | 0.0773% | 2,928 |
| Net operating income to assets | 1.5294% | 828 |
| Return on assets (ROA) | 1.6324% | 692 |
| Pretax return on assets | 1.6337% | 1,141 |
| Return on Equity (ROE) | 17.0516% | 485 |
| Retained earnings to average equity (ytd only) | 8.1691% | 965 |
| Net charge-offs to loans | 0.2442% | 1,746 |
| Credit loss provision to net charge-offs | 57.6923% | 3,328 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,429 |
| Efficiency ratio | 57.7379% | 5,489 |
| Assets per employee ($millions) | 6.1068% | 1,307 |
| Cash dividends to net income (ytd only)* | 52.0916% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,768 |
| Loan loss allowance to noncurrent loans | 105.5932% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 2,284 |
| Noncurrent loans to loans | 1.3599% | 2,162 |
| Net loans and leases to total assets | 53.8626% | 4,599 |
| Net loans and leases to deposits | 60.7375% | 4,836 |
| Net loans and leases to core deposits | 62.3929% | 4,969 |
| Total domestic deposits to total assets | 88.6811% | 1,419 |
| Equity capital to assets | 9.8805% | 4,258 |
| Core capital (leverage) ratio | 9.6868% | 3,989 |
| Tier 1 risk-based capital ratio | 14.4122% | 3,821 |
| Total risk-based capital ratio | 15.6109% | 3,795 |
| Memoranda: | ||
| Average total assets | $77,613,800 | 5,117 |
| Average earning assets | $72,436,400 | 5,079 |
| Average equity | $7,430,400 | 5,316 |
| Average total loans | $42,595,000 | 5,087 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 2,441 |
| Cost of funding earning assets | 0.6822% | 1,246 |
| Net interest margin | 3.6626% | 3,178 |
| Noninterest income to average assets | 0.4302% | 4,021 |
| Noninterest expense to average assets | 2.1873% | 5,380 |
| Loan and lease loss provision to assets | 0.0778% | 2,789 |
| Net operating income to assets | 1.5861% | 778 |
| Return on assets (ROA) | 1.7087% | 629 |
| Pretax return on assets | 1.7105% | 1,042 |
| Return on Equity (ROE) | 17.9969% | 446 |
| Retained earnings to average equity (ytd only) | 8.2615% | 1,239 |
| Net charge-offs to loans | 0.0377% | 3,741 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 80.3313% | 702 |
| Efficiency ratio | 56.7713% | 5,580 |
| Assets per employee ($millions) | 5.9852% | 1,348 |
| Cash dividends to net income (ytd only)* | 54.0955% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 2,173 |
| Loan loss allowance to noncurrent loans | 115.8940% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.3071% | 2,371 |
| Noncurrent loans to loans | 1.4141% | 2,301 |
| Net loans and leases to total assets | 53.9977% | 4,576 |
| Net loans and leases to deposits | 60.0063% | 4,942 |
| Net loans and leases to core deposits | 60.6744% | 5,145 |
| Total domestic deposits to total assets | 89.9868% | 736 |
| Equity capital to assets | 9.8127% | 4,405 |
| Core capital (leverage) ratio | 9.4665% | 4,418 |
| Tier 1 risk-based capital ratio | 15.1341% | 3,513 |
| Total risk-based capital ratio | 16.3859% | 3,448 |
| Memoranda: | ||
| Average total assets | $77,170,000 | 5,183 |
| Average earning assets | $72,113,750 | 5,136 |
| Average equity | $7,327,000 | 5,380 |
| Average total loans | $42,397,750 | 5,146 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 2,191 |
| Cost of funding earning assets | 0.6885% | 1,250 |
| Net interest margin | 3.7071% | 2,933 |
| Noninterest income to average assets | 0.4366% | 3,978 |
| Noninterest expense to average assets | 2.0167% | 5,814 |
| Loan and lease loss provision to assets | 0.0780% | 2,725 |
| Net operating income to assets | 1.7984% | 494 |
| Return on assets (ROA) | 1.9127% | 419 |
| Pretax return on assets | 1.9127% | 669 |
| Return on Equity (ROE) | 20.3756% | 273 |
| Retained earnings to average equity (ytd only) | 12.4856% | 376 |
| Net charge-offs to loans | 0.0615% | 3,100 |
| Credit loss provision to net charge-offs | 230.7692% | 1,047 |
| Earnings coverage of net charge-offs (x) | 55.5385% | 857 |
| Efficiency ratio | 51.8024% | 6,082 |
| Assets per employee ($millions) | 6.0858% | 1,228 |
| Cash dividends to net income (ytd only)* | 38.7228% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 2,346 |
| Loan loss allowance to noncurrent loans | 205.4054% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 3,178 |
| Noncurrent loans to loans | 0.7957% | 3,704 |
| Net loans and leases to total assets | 52.0344% | 4,743 |
| Net loans and leases to deposits | 57.7045% | 5,069 |
| Net loans and leases to core deposits | 58.3325% | 5,247 |
| Total domestic deposits to total assets | 90.1738% | 723 |
| Equity capital to assets | 9.6745% | 4,526 |
| Core capital (leverage) ratio | 9.3190% | 4,564 |
| Tier 1 risk-based capital ratio | 15.2152% | 3,519 |
| Total risk-based capital ratio | 16.4679% | 3,464 |
| Memoranda: | ||
| Average total assets | $76,957,670 | 5,227 |
| Average earning assets | $71,753,330 | 5,185 |
| Average equity | $7,224,330 | 5,433 |
| Average total loans | $42,292,330 | 5,190 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 2,327 |
| Cost of funding earning assets | 0.6969% | 1,263 |
| Net interest margin | 3.6543% | 3,044 |
| Noninterest income to average assets | 0.4586% | 3,723 |
| Noninterest expense to average assets | 2.4302% | 4,844 |
| Loan and lease loss provision to assets | 0.0791% | 2,568 |
| Net operating income to assets | 1.3495% | 1,099 |
| Return on assets (ROA) | 1.3495% | 1,142 |
| Pretax return on assets | 1.3495% | 1,917 |
| Return on Equity (ROE) | 14.6087% | 841 |
| Retained earnings to average equity (ytd only) | 13.7528% | 417 |
| Net charge-offs to loans | 0.1223% | 1,989 |
| Credit loss provision to net charge-offs | 115.3846% | 1,494 |
| Earnings coverage of net charge-offs (x) | 20.8462% | 1,317 |
| Efficiency ratio | 62.9781% | 5,003 |
| Assets per employee ($millions) | 5.9845% | 1,316 |
| Cash dividends to net income (ytd only)* | 5.8594% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 3,039 |
| Loan loss allowance to noncurrent loans | 71.1702% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.7391% | 2,028 |
| Noncurrent loans to loans | 2.1432% | 1,707 |
| Net loans and leases to total assets | 55.5161% | 4,207 |
| Net loans and leases to deposits | 61.3631% | 4,619 |
| Net loans and leases to core deposits | 62.0391% | 4,878 |
| Total domestic deposits to total assets | 90.4716% | 815 |
| Equity capital to assets | 9.4127% | 4,608 |
| Core capital (leverage) ratio | 9.4216% | 4,388 |
| Tier 1 risk-based capital ratio | 14.8002% | 3,813 |
| Total risk-based capital ratio | 16.0505% | 3,768 |
| Memoranda: | ||
| Average total assets | $75,879,000 | 5,305 |
| Average earning assets | $70,601,500 | 5,261 |
| Average equity | $7,009,500 | 5,514 |
| Average total loans | $42,513,000 | 5,219 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,982 |
| Cost of funding earning assets | 0.8332% | 1,028 |
| Net interest margin | 3.7317% | 2,935 |
| Noninterest income to average assets | 0.4716% | 3,949 |
| Noninterest expense to average assets | 2.4300% | 4,991 |
| Loan and lease loss provision to assets | 0.0850% | 3,412 |
| Net operating income to assets | 1.4246% | 975 |
| Return on assets (ROA) | 1.4756% | 916 |
| Pretax return on assets | 1.4770% | 1,524 |
| Return on Equity (ROE) | 14.8361% | 797 |
| Retained earnings to average equity (ytd only) | 7.6459% | 1,173 |
| Net charge-offs to loans | 0.3531% | 1,913 |
| Credit loss provision to net charge-offs | 41.6667% | 4,006 |
| Earnings coverage of net charge-offs (x) | 7.4097% | 2,851 |
| Efficiency ratio | 61.6601% | 5,266 |
| Assets per employee ($millions) | 5.6892% | 1,487 |
| Cash dividends to net income (ytd only)* | 48.4645% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 2,680 |
| Loan loss allowance to noncurrent loans | 69.8429% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8497% | 1,977 |
| Noncurrent loans to loans | 2.3199% | 1,658 |
| Net loans and leases to total assets | 54.7587% | 4,493 |
| Net loans and leases to deposits | 60.5846% | 4,882 |
| Net loans and leases to core deposits | 61.2860% | 5,126 |
| Total domestic deposits to total assets | 90.3839% | 883 |
| Equity capital to assets | 9.0537% | 4,966 |
| Core capital (leverage) ratio | 9.5596% | 4,177 |
| Tier 1 risk-based capital ratio | 15.1622% | 3,570 |
| Total risk-based capital ratio | 16.4152% | 3,513 |
| Memoranda: | ||
| Average total assets | $70,616,600 | 5,454 |
| Average earning assets | $65,653,600 | 5,415 |
| Average equity | $7,023,400 | 5,562 |
| Average total loans | $40,778,600 | 5,313 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,972 |
| Cost of funding earning assets | 0.8595% | 993 |
| Net interest margin | 3.7127% | 2,981 |
| Noninterest income to average assets | 0.4414% | 4,214 |
| Noninterest expense to average assets | 2.4323% | 4,928 |
| Loan and lease loss provision to assets | 0.0860% | 3,342 |
| Net operating income to assets | 1.3814% | 1,145 |
| Return on assets (ROA) | 1.4579% | 1,020 |
| Pretax return on assets | 1.4579% | 1,734 |
| Return on Equity (ROE) | 14.3177% | 922 |
| Retained earnings to average equity (ytd only) | 7.2808% | 1,749 |
| Net charge-offs to loans | 0.4785% | 1,340 |
| Credit loss provision to net charge-offs | 30.8219% | 3,881 |
| Earnings coverage of net charge-offs (x) | 5.2603% | 3,240 |
| Efficiency ratio | 62.3714% | 5,084 |
| Assets per employee ($millions) | 5.4927% | 1,630 |
| Cash dividends to net income (ytd only)* | 49.1482% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 3,041 |
| Loan loss allowance to noncurrent loans | 58.2960% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.2701% | 1,742 |
| Noncurrent loans to loans | 2.7283% | 1,547 |
| Net loans and leases to total assets | 56.3238% | 4,274 |
| Net loans and leases to deposits | 62.6361% | 4,678 |
| Net loans and leases to core deposits | 63.9426% | 4,909 |
| Total domestic deposits to total assets | 89.9223% | 1,044 |
| Equity capital to assets | 9.4825% | 4,575 |
| Core capital (leverage) ratio | 9.4823% | 4,435 |
| Tier 1 risk-based capital ratio | 15.2582% | 3,590 |
| Total risk-based capital ratio | 16.5104% | 3,543 |
| Memoranda: | ||
| Average total assets | $69,781,000 | 5,541 |
| Average earning assets | $65,000,000 | 5,487 |
| Average equity | $7,105,250 | 5,606 |
| Average total loans | $40,681,750 | 5,366 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 1,972 |
| Cost of funding earning assets | 0.8734% | 1,016 |
| Net interest margin | 3.6918% | 2,987 |
| Noninterest income to average assets | 0.4593% | 4,098 |
| Noninterest expense to average assets | 2.4870% | 4,781 |
| Loan and lease loss provision to assets | 0.0867% | 3,346 |
| Net operating income to assets | 1.3287% | 1,245 |
| Return on assets (ROA) | 1.4443% | 1,073 |
| Pretax return on assets | 1.4443% | 1,786 |
| Return on Equity (ROE) | 13.8568% | 1,045 |
| Retained earnings to average equity (ytd only) | 6.6236% | 2,078 |
| Net charge-offs to loans | 0.3299% | 1,870 |
| Credit loss provision to net charge-offs | 44.7761% | 3,331 |
| Earnings coverage of net charge-offs (x) | 7.3134% | 2,565 |
| Efficiency ratio | 63.7306% | 4,908 |
| Assets per employee ($millions) | 5.3842% | 1,714 |
| Cash dividends to net income (ytd only)* | 52.2000% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 2,602 |
| Loan loss allowance to noncurrent loans | 41.6084% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.8602% | 1,436 |
| Noncurrent loans to loans | 4.2018% | 891 |
| Net loans and leases to total assets | 57.3270% | 4,090 |
| Net loans and leases to deposits | 63.8857% | 4,525 |
| Net loans and leases to core deposits | 64.4098% | 4,854 |
| Total domestic deposits to total assets | 89.7336% | 1,185 |
| Equity capital to assets | 9.6964% | 4,319 |
| Core capital (leverage) ratio | 9.4860% | 4,268 |
| Tier 1 risk-based capital ratio | 15.0694% | 3,737 |
| Total risk-based capital ratio | 16.3231% | 3,696 |
| Memoranda: | ||
| Average total assets | $69,239,670 | 5,595 |
| Average earning assets | $64,576,330 | 5,543 |
| Average equity | $7,216,670 | 5,627 |
| Average total loans | $40,619,670 | 5,396 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,657 |
| Cost of funding earning assets | 0.8938% | 1,016 |
| Net interest margin | 3.7628% | 2,600 |
| Noninterest income to average assets | 0.4705% | 3,989 |
| Noninterest expense to average assets | 2.4977% | 4,764 |
| Loan and lease loss provision to assets | 0.0871% | 3,211 |
| Net operating income to assets | 1.3825% | 1,063 |
| Return on assets (ROA) | 1.6148% | 746 |
| Pretax return on assets | 1.6148% | 1,272 |
| Return on Equity (ROE) | 14.9633% | 778 |
| Retained earnings to average equity (ytd only) | 14.9633% | 357 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9575% | 5,160 |
| Assets per employee ($millions) | 5.2852% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,335 |
| Loan loss allowance to noncurrent loans | 191.5000% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8951% | 4,147 |
| Noncurrent loans to loans | 0.9865% | 4,158 |
| Net loans and leases to total assets | 57.8972% | 3,788 |
| Net loans and leases to deposits | 65.4104% | 4,133 |
| Net loans and leases to core deposits | 66.5173% | 4,463 |
| Total domestic deposits to total assets | 88.5137% | 1,999 |
| Equity capital to assets | 10.9594% | 2,999 |
| Core capital (leverage) ratio | 9.6468% | 3,853 |
| Tier 1 risk-based capital ratio | 15.6477% | 3,451 |
| Total risk-based capital ratio | 16.9040% | 3,412 |
| Memoranda: | ||
| Average total assets | $68,862,000 | 5,663 |
| Average earning assets | $63,995,000 | 5,616 |
| Average equity | $7,431,500 | 5,635 |
| Average total loans | $40,509,500 | 5,441 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 1,551 |
| Cost of funding earning assets | 1.0519% | 1,113 |
| Net interest margin | 3.9510% | 2,604 |
| Noninterest income to average assets | 0.4788% | 4,045 |
| Noninterest expense to average assets | 2.5569% | 4,910 |
| Loan and lease loss provision to assets | 0.0906% | 4,555 |
| Net operating income to assets | 1.4770% | 966 |
| Return on assets (ROA) | 1.4770% | 1,071 |
| Pretax return on assets | 1.5072% | 1,651 |
| Return on Equity (ROE) | 13.9575% | 1,000 |
| Retained earnings to average equity (ytd only) | 7.2927% | 1,431 |
| Net charge-offs to loans | 0.0254% | 5,541 |
| Credit loss provision to net charge-offs | 600.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 105.8000% | 365 |
| Efficiency ratio | 61.5413% | 5,309 |
| Assets per employee ($millions) | 5.3089% | 1,890 |
| Cash dividends to net income (ytd only)* | 47.7505% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 2,426 |
| Loan loss allowance to noncurrent loans | 187.2818% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 4,258 |
| Noncurrent loans to loans | 0.9908% | 4,211 |
| Net loans and leases to total assets | 57.5548% | 4,052 |
| Net loans and leases to deposits | 65.1170% | 4,406 |
| Net loans and leases to core deposits | 66.5717% | 4,681 |
| Total domestic deposits to total assets | 88.3868% | 1,972 |
| Equity capital to assets | 10.6251% | 3,370 |
| Core capital (leverage) ratio | 9.3626% | 4,313 |
| Tier 1 risk-based capital ratio | 14.2377% | 4,210 |
| Total risk-based capital ratio | 15.4935% | 4,166 |
| Memoranda: | ||
| Average total assets | $66,213,800 | 5,731 |
| Average earning assets | $61,604,000 | 5,683 |
| Average equity | $7,007,000 | 5,762 |
| Average total loans | $39,407,000 | 5,531 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 1,650 |
| Cost of funding earning assets | 1.0762% | 1,163 |
| Net interest margin | 3.9424% | 2,740 |
| Noninterest income to average assets | 0.5006% | 3,924 |
| Noninterest expense to average assets | 2.5277% | 4,993 |
| Loan and lease loss provision to assets | 0.0916% | 4,453 |
| Net operating income to assets | 1.5223% | 978 |
| Return on assets (ROA) | 1.5223% | 1,090 |
| Pretax return on assets | 1.5569% | 1,707 |
| Return on Equity (ROE) | 14.4005% | 1,025 |
| Retained earnings to average equity (ytd only) | 7.7200% | 1,744 |
| Net charge-offs to loans | 0.0341% | 5,167 |
| Credit loss provision to net charge-offs | 450.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 81.0180% | 510 |
| Efficiency ratio | 60.5263% | 5,405 |
| Assets per employee ($millions) | 5.1896% | 1,939 |
| Cash dividends to net income (ytd only)* | 46.3908% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 2,688 |
| Loan loss allowance to noncurrent loans | 217.7515% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 4,596 |
| Noncurrent loans to loans | 0.8432% | 4,729 |
| Net loans and leases to total assets | 58.3236% | 4,079 |
| Net loans and leases to deposits | 66.1344% | 4,455 |
| Net loans and leases to core deposits | 69.0122% | 4,609 |
| Total domestic deposits to total assets | 88.1894% | 1,928 |
| Equity capital to assets | 10.7908% | 3,513 |
| Core capital (leverage) ratio | 9.4564% | 4,340 |
| Tier 1 risk-based capital ratio | 14.7795% | 3,993 |
| Total risk-based capital ratio | 16.0329% | 3,949 |
| Memoranda: | ||
| Average total assets | $65,513,250 | 5,828 |
| Average earning assets | $61,078,250 | 5,763 |
| Average equity | $6,925,500 | 5,849 |
| Average total loans | $39,140,500 | 5,612 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 1,633 |
| Cost of funding earning assets | 1.0993% | 1,226 |
| Net interest margin | 3.9603% | 2,678 |
| Noninterest income to average assets | 0.4779% | 4,073 |
| Noninterest expense to average assets | 2.5099% | 5,105 |
| Loan and lease loss provision to assets | 0.0925% | 4,407 |
| Net operating income to assets | 1.5109% | 972 |
| Return on assets (ROA) | 1.5109% | 1,095 |
| Pretax return on assets | 1.5633% | 1,659 |
| Return on Equity (ROE) | 14.3962% | 1,030 |
| Retained earnings to average equity (ytd only) | 7.8739% | 1,686 |
| Net charge-offs to loans | 0.0927% | 4,227 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 29.8333% | 1,075 |
| Efficiency ratio | 60.2517% | 5,537 |
| Assets per employee ($millions) | 4.6888% | 2,585 |
| Cash dividends to net income (ytd only)* | 45.3061% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 2,678 |
| Loan loss allowance to noncurrent loans | 421.8935% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 5,236 |
| Noncurrent loans to loans | 0.4403% | 5,654 |
| Net loans and leases to total assets | 57.3816% | 4,267 |
| Net loans and leases to deposits | 65.0283% | 4,640 |
| Net loans and leases to core deposits | 66.5553% | 4,935 |
| Total domestic deposits to total assets | 88.2409% | 1,996 |
| Equity capital to assets | 10.7780% | 3,367 |
| Core capital (leverage) ratio | 9.2694% | 4,495 |
| Tier 1 risk-based capital ratio | 15.0432% | 3,745 |
| Total risk-based capital ratio | 16.2999% | 3,696 |
| Memoranda: | ||
| Average total assets | $64,862,670 | 5,889 |
| Average earning assets | $60,399,670 | 5,821 |
| Average equity | $6,807,330 | 5,904 |
| Average total loans | $38,826,000 | 5,653 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 1,571 |
| Cost of funding earning assets | 1.1295% | 1,256 |
| Net interest margin | 3.9701% | 2,628 |
| Noninterest income to average assets | 0.5522% | 3,550 |
| Noninterest expense to average assets | 2.4507% | 5,315 |
| Loan and lease loss provision to assets | 0.0931% | 4,184 |
| Net operating income to assets | 1.5945% | 870 |
| Return on assets (ROA) | 1.5945% | 976 |
| Pretax return on assets | 1.6937% | 1,317 |
| Return on Equity (ROE) | 15.4042% | 906 |
| Retained earnings to average equity (ytd only) | 15.4042% | 414 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8331% | 5,935 |
| Assets per employee ($millions) | 5.5103% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,779 |
| Loan loss allowance to noncurrent loans | 639.2857% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 5,559 |
| Noncurrent loans to loans | 0.2921% | 6,092 |
| Net loans and leases to total assets | 56.8961% | 4,232 |
| Net loans and leases to deposits | 64.1117% | 4,620 |
| Net loans and leases to core deposits | 65.3160% | 4,986 |
| Total domestic deposits to total assets | 88.7454% | 1,854 |
| Equity capital to assets | 10.3442% | 3,679 |
| Core capital (leverage) ratio | 9.4602% | 4,103 |
| Tier 1 risk-based capital ratio | 14.6167% | 4,008 |
| Total risk-based capital ratio | 15.8735% | 3,966 |
| Memoranda: | ||
| Average total assets | $64,472,500 | 5,944 |
| Average earning assets | $59,847,000 | 5,881 |
| Average equity | $6,673,500 | 5,972 |
| Average total loans | $39,049,000 | 5,681 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 972 |
| Cost of funding earning assets | 1.3397% | 1,293 |
| Net interest margin | 4.2530% | 1,866 |
| Noninterest income to average assets | 0.4887% | 3,933 |
| Noninterest expense to average assets | 2.8283% | 4,243 |
| Loan and lease loss provision to assets | 0.1816% | 4,375 |
| Net operating income to assets | 1.4067% | 1,019 |
| Return on assets (ROA) | 1.5669% | 773 |
| Pretax return on assets | 1.5702% | 1,278 |
| Return on Equity (ROE) | 16.0526% | 594 |
| Retained earnings to average equity (ytd only) | 7.4427% | 1,296 |
| Net charge-offs to loans | 0.0261% | 6,071 |
| Credit loss provision to net charge-offs | 1,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 96.4000% | 316 |
| Efficiency ratio | 63.9895% | 5,134 |
| Assets per employee ($millions) | 4.8324% | 2,402 |
| Cash dividends to net income (ytd only)* | 53.6354% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7631% | 2,984 |
| Loan loss allowance to noncurrent loans | 14,020.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 6,024 |
| Noncurrent loans to loans | 0.0126% | 6,813 |
| Net loans and leases to total assets | 62.1751% | 3,567 |
| Net loans and leases to deposits | 70.5074% | 4,019 |
| Net loans and leases to core deposits | 73.9446% | 4,248 |
| Total domestic deposits to total assets | 88.1823% | 2,036 |
| Equity capital to assets | 10.3580% | 3,701 |
| Core capital (leverage) ratio | 9.4720% | 4,076 |
| Tier 1 risk-based capital ratio | 13.8811% | 4,415 |
| Total risk-based capital ratio | 15.1367% | 4,368 |
| Memoranda: | ||
| Average total assets | $60,566,200 | 6,019 |
| Average earning assets | $55,984,200 | 5,983 |
| Average equity | $5,911,800 | 6,179 |
| Average total loans | $38,318,000 | 5,763 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 1,062 |
| Cost of funding earning assets | 1.3764% | 1,334 |
| Net interest margin | 4.2110% | 2,052 |
| Noninterest income to average assets | 0.5444% | 3,558 |
| Noninterest expense to average assets | 2.7376% | 4,585 |
| Loan and lease loss provision to assets | 0.2111% | 3,917 |
| Net operating income to assets | 1.4866% | 967 |
| Return on assets (ROA) | 1.7021% | 686 |
| Pretax return on assets | 1.7066% | 1,133 |
| Return on Equity (ROE) | 17.7218% | 485 |
| Retained earnings to average equity (ytd only) | 9.4161% | 1,004 |
| Net charge-offs to loans | -0.0281% | 6,961 |
| Credit loss provision to net charge-offs | -1,187.5000% | 6,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6617% | 5,464 |
| Assets per employee ($millions) | 4.7410% | 2,567 |
| Cash dividends to net income (ytd only)* | 46.8663% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 3,038 |
| Loan loss allowance to noncurrent loans | 5,028.5714% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 5,842 |
| Noncurrent loans to loans | 0.0352% | 6,852 |
| Net loans and leases to total assets | 63.3719% | 3,441 |
| Net loans and leases to deposits | 71.9817% | 3,995 |
| Net loans and leases to core deposits | 73.4394% | 4,538 |
| Total domestic deposits to total assets | 88.0389% | 2,015 |
| Equity capital to assets | 10.4571% | 3,763 |
| Core capital (leverage) ratio | 9.6499% | 3,918 |
| Tier 1 risk-based capital ratio | 13.8845% | 4,427 |
| Total risk-based capital ratio | 15.1404% | 4,388 |
| Memoranda: | ||
| Average total assets | $60,002,500 | 6,087 |
| Average earning assets | $55,504,500 | 6,051 |
| Average equity | $5,763,000 | 6,257 |
| Average total loans | $37,957,500 | 5,837 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6326% | 1,012 |
| Cost of funding earning assets | 1.4182% | 1,337 |
| Net interest margin | 4.2144% | 1,978 |
| Noninterest income to average assets | 0.5180% | 3,725 |
| Noninterest expense to average assets | 2.8221% | 4,338 |
| Loan and lease loss provision to assets | 0.2691% | 3,240 |
| Net operating income to assets | 1.3118% | 1,285 |
| Return on assets (ROA) | 1.6381% | 727 |
| Pretax return on assets | 1.6415% | 1,174 |
| Return on Equity (ROE) | 17.5950% | 502 |
| Retained earnings to average equity (ytd only) | 9.4298% | 979 |
| Net charge-offs to loans | -0.0428% | 7,005 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0458% | 5,229 |
| Assets per employee ($millions) | 4.6355% | 2,631 |
| Cash dividends to net income (ytd only)* | 46.4066% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,998 |
| Loan loss allowance to noncurrent loans | 34,450.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 5,948 |
| Noncurrent loans to loans | 0.0052% | 7,004 |
| Net loans and leases to total assets | 62.4351% | 3,804 |
| Net loans and leases to deposits | 70.4569% | 4,376 |
| Net loans and leases to core deposits | 71.9058% | 4,834 |
| Total domestic deposits to total assets | 88.6145% | 1,776 |
| Equity capital to assets | 9.9003% | 4,272 |
| Core capital (leverage) ratio | 9.5439% | 3,888 |
| Tier 1 risk-based capital ratio | 13.5964% | 4,453 |
| Total risk-based capital ratio | 14.8508% | 4,435 |
| Memoranda: | ||
| Average total assets | $59,459,000 | 6,159 |
| Average earning assets | $54,859,670 | 6,120 |
| Average equity | $5,535,670 | 6,356 |
| Average total loans | $37,356,000 | 5,922 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 2,963 |
| Cost of funding earning assets | 1.4579% | 1,344 |
| Net interest margin | 3.5710% | 4,712 |
| Noninterest income to average assets | 0.5893% | 3,244 |
| Noninterest expense to average assets | 2.8040% | 4,420 |
| Loan and lease loss provision to assets | 0.1016% | 4,735 |
| Net operating income to assets | 0.9685% | 2,287 |
| Return on assets (ROA) | 1.1853% | 1,609 |
| Pretax return on assets | 1.1853% | 2,432 |
| Return on Equity (ROE) | 13.1567% | 1,158 |
| Retained earnings to average equity (ytd only) | 13.1567% | 565 |
| Net charge-offs to loans | -0.0217% | 6,593 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3776% | 3,795 |
| Assets per employee ($millions) | 4.9223% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,496 |
| Loan loss allowance to noncurrent loans | 55.6757% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.3888% | 2,848 |
| Noncurrent loans to loans | 2.9781% | 2,521 |
| Net loans and leases to total assets | 62.0550% | 3,847 |
| Net loans and leases to deposits | 69.4744% | 4,436 |
| Net loans and leases to core deposits | 70.9194% | 4,933 |
| Total domestic deposits to total assets | 89.3206% | 1,580 |
| Equity capital to assets | 9.2116% | 4,853 |
| Core capital (leverage) ratio | 9.5709% | 3,700 |
| Tier 1 risk-based capital ratio | 13.3769% | 4,523 |
| Total risk-based capital ratio | 14.6300% | 4,502 |
| Memoranda: | ||
| Average total assets | $59,058,000 | 6,218 |
| Average earning assets | $54,326,500 | 6,185 |
| Average equity | $5,320,500 | 6,448 |
| Average total loans | $36,877,500 | 5,995 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 1,187 |
| Cost of funding earning assets | 1.7618% | 1,332 |
| Net interest margin | 4.0725% | 2,695 |
| Noninterest income to average assets | 0.5757% | 3,620 |
| Noninterest expense to average assets | 2.8078% | 4,575 |
| Loan and lease loss provision to assets | 0.3179% | 4,265 |
| Net operating income to assets | 1.2962% | 1,186 |
| Return on assets (ROA) | 1.3562% | 1,108 |
| Pretax return on assets | 1.2574% | 2,059 |
| Return on Equity (ROE) | 14.0969% | 864 |
| Retained earnings to average equity (ytd only) | 6.2041% | 1,710 |
| Net charge-offs to loans | -0.0303% | 7,399 |
| Credit loss provision to net charge-offs | -1,636.3636% | 7,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9510% | 5,175 |
| Assets per employee ($millions) | 4.5422% | 2,791 |
| Cash dividends to net income (ytd only)* | 55.9896% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 3,407 |
| Loan loss allowance to noncurrent loans | 274.4292% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 5,227 |
| Noncurrent loans to loans | 0.6003% | 5,838 |
| Net loans and leases to total assets | 60.7665% | 4,534 |
| Net loans and leases to deposits | 68.0189% | 5,102 |
| Net loans and leases to core deposits | 69.6819% | 5,476 |
| Total domestic deposits to total assets | 89.3377% | 1,477 |
| Equity capital to assets | 8.8062% | 5,423 |
| Core capital (leverage) ratio | 9.2416% | 4,105 |
| Tier 1 risk-based capital ratio | 13.1250% | 4,507 |
| Total risk-based capital ratio | 14.3774% | 4,462 |
| Memoranda: | ||
| Average total assets | $56,627,000 | 6,325 |
| Average earning assets | $52,105,000 | 6,285 |
| Average equity | $5,448,000 | 6,522 |
| Average total loans | $36,244,200 | 6,101 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9012% | 1,133 |
| Cost of funding earning assets | 1.8217% | 1,335 |
| Net interest margin | 4.0795% | 2,713 |
| Noninterest income to average assets | 0.5926% | 3,491 |
| Noninterest expense to average assets | 2.7013% | 4,873 |
| Loan and lease loss provision to assets | 0.3927% | 3,540 |
| Net operating income to assets | 1.3947% | 1,113 |
| Return on assets (ROA) | 1.4756% | 1,040 |
| Pretax return on assets | 1.3423% | 2,061 |
| Return on Equity (ROE) | 15.0027% | 852 |
| Retained earnings to average equity (ytd only) | 10.0421% | 784 |
| Net charge-offs to loans | -0.2358% | 7,636 |
| Credit loss provision to net charge-offs | -257.8125% | 6,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0219% | 5,616 |
| Assets per employee ($millions) | 4.4202% | 3,045 |
| Cash dividends to net income (ytd only)* | 33.0648% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 3,043 |
| Loan loss allowance to noncurrent loans | 231.5217% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 5,266 |
| Noncurrent loans to loans | 0.7487% | 5,707 |
| Net loans and leases to total assets | 63.0440% | 4,314 |
| Net loans and leases to deposits | 71.9032% | 4,855 |
| Net loans and leases to core deposits | 73.6710% | 5,334 |
| Total domestic deposits to total assets | 87.6790% | 2,169 |
| Equity capital to assets | 10.2779% | 3,795 |
| Core capital (leverage) ratio | 9.7181% | 3,597 |
| Tier 1 risk-based capital ratio | 13.2761% | 4,366 |
| Total risk-based capital ratio | 14.4984% | 4,360 |
| Memoranda: | ||
| Average total assets | $56,021,500 | 6,415 |
| Average earning assets | $51,671,500 | 6,375 |
| Average equity | $5,510,000 | 6,588 |
| Average total loans | $36,184,500 | 6,194 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9500% | 1,053 |
| Cost of funding earning assets | 1.8738% | 1,324 |
| Net interest margin | 4.0762% | 2,675 |
| Noninterest income to average assets | 0.6086% | 3,275 |
| Noninterest expense to average assets | 2.6719% | 5,029 |
| Loan and lease loss provision to assets | 0.4501% | 3,076 |
| Net operating income to assets | 1.4404% | 1,014 |
| Return on assets (ROA) | 1.4728% | 1,019 |
| Pretax return on assets | 1.2711% | 2,185 |
| Return on Equity (ROE) | 15.2101% | 817 |
| Retained earnings to average equity (ytd only) | 11.3053% | 593 |
| Net charge-offs to loans | -0.0056% | 7,121 |
| Credit loss provision to net charge-offs | -12,500.0000% | 7,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2717% | 5,813 |
| Assets per employee ($millions) | 4.6412% | 2,665 |
| Cash dividends to net income (ytd only)* | 25.6724% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 4,211 |
| Loan loss allowance to noncurrent loans | 132.3457% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 4,150 |
| Noncurrent loans to loans | 1.0908% | 5,139 |
| Net loans and leases to total assets | 65.7037% | 3,899 |
| Net loans and leases to deposits | 74.8170% | 4,544 |
| Net loans and leases to core deposits | 76.0753% | 5,181 |
| Total domestic deposits to total assets | 87.8192% | 2,093 |
| Equity capital to assets | 10.0514% | 3,951 |
| Core capital (leverage) ratio | 9.6066% | 3,669 |
| Tier 1 risk-based capital ratio | 12.5800% | 4,785 |
| Total risk-based capital ratio | 13.7599% | 4,825 |
| Memoranda: | ||
| Average total assets | $55,541,000 | 6,474 |
| Average earning assets | $51,126,330 | 6,441 |
| Average equity | $5,378,000 | 6,658 |
| Average total loans | $35,957,330 | 6,246 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9960% | 989 |
| Cost of funding earning assets | 1.8918% | 1,484 |
| Net interest margin | 4.1042% | 2,416 |
| Noninterest income to average assets | 0.6130% | 3,185 |
| Noninterest expense to average assets | 2.6467% | 5,160 |
| Loan and lease loss provision to assets | 0.1082% | 5,544 |
| Net operating income to assets | 2.0482% | 323 |
| Return on assets (ROA) | 2.0482% | 352 |
| Pretax return on assets | 1.6443% | 1,174 |
| Return on Equity (ROE) | 21.5642% | 295 |
| Retained earnings to average equity (ytd only) | 21.5642% | 161 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1639% | 6,137 |
| Assets per employee ($millions) | 4.6708% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,530 |
| Loan loss allowance to noncurrent loans | 103.4063% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 1.5415% | 4,192 |
| Noncurrent loans to loans | 1.1556% | 5,054 |
| Net loans and leases to total assets | 62.6976% | 4,614 |
| Net loans and leases to deposits | 71.0858% | 5,187 |
| Net loans and leases to core deposits | 72.7171% | 5,639 |
| Total domestic deposits to total assets | 88.1998% | 1,950 |
| Equity capital to assets | 9.7056% | 4,223 |
| Core capital (leverage) ratio | 9.8376% | 3,356 |
| Tier 1 risk-based capital ratio | 12.8502% | 4,436 |
| Total risk-based capital ratio | 13.8724% | 4,587 |
| Memoranda: | ||
| Average total assets | $55,464,500 | 6,552 |
| Average earning assets | $51,167,500 | 6,507 |
| Average equity | $5,268,000 | 6,750 |
| Average total loans | $35,371,500 | 6,349 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8289% | 2,531 |
| Cost of funding earning assets | 2.2976% | 1,672 |
| Net interest margin | 3.5313% | 4,812 |
| Noninterest income to average assets | 0.5879% | 3,732 |
| Noninterest expense to average assets | 2.8738% | 4,638 |
| Loan and lease loss provision to assets | 0.3822% | 4,496 |
| Net operating income to assets | 0.2646% | 4,665 |
| Return on assets (ROA) | 0.2657% | 4,742 |
| Pretax return on assets | 0.5533% | 4,037 |
| Return on Equity (ROE) | 2.7823% | 4,596 |
| Retained earnings to average equity (ytd only) | -0.4574% | 5,085 |
| Net charge-offs to loans | 0.7324% | 2,998 |
| Credit loss provision to net charge-offs | 79.2453% | 6,301 |
| Earnings coverage of net charge-offs (x) | 1.9358% | 4,272 |
| Efficiency ratio | 75.4780% | 3,620 |
| Assets per employee ($millions) | 4.9890% | 2,231 |
| Cash dividends to net income (ytd only)* | 116.4384% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 5,557 |
| Loan loss allowance to noncurrent loans | 62.9800% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 4,051 |
| Noncurrent loans to loans | 1.8507% | 3,862 |
| Net loans and leases to total assets | 63.3503% | 4,738 |
| Net loans and leases to deposits | 71.6780% | 5,372 |
| Net loans and leases to core deposits | 81.5166% | 5,955 |
| Total domestic deposits to total assets | 88.3817% | 1,780 |
| Equity capital to assets | 9.2859% | 4,712 |
| Core capital (leverage) ratio | 8.9810% | 4,454 |
| Tier 1 risk-based capital ratio | 12.4827% | 4,540 |
| Total risk-based capital ratio | 13.4944% | 4,689 |
| Memoranda: | ||
| Average total assets | $54,944,800 | 6,530 |
| Average earning assets | $50,095,000 | 6,528 |
| Average equity | $5,247,400 | 6,854 |
| Average total loans | $36,184,800 | 6,297 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8220% | 2,788 |
| Cost of funding earning assets | 2.3283% | 1,884 |
| Net interest margin | 3.4937% | 4,884 |
| Noninterest income to average assets | 0.5701% | 3,924 |
| Noninterest expense to average assets | 2.7437% | 5,130 |
| Loan and lease loss provision to assets | 0.1092% | 6,282 |
| Net operating income to assets | 0.7468% | 3,037 |
| Return on assets (ROA) | 0.7447% | 3,098 |
| Pretax return on assets | 0.8927% | 3,252 |
| Return on Equity (ROE) | 7.7446% | 2,752 |
| Retained earnings to average equity (ytd only) | 5.9787% | 1,961 |
| Net charge-offs to loans | 0.3074% | 4,114 |
| Credit loss provision to net charge-offs | 53.5714% | 6,261 |
| Earnings coverage of net charge-offs (x) | 4.9285% | 2,966 |
| Efficiency ratio | 73.2039% | 4,016 |
| Assets per employee ($millions) | 5.1230% | 1,997 |
| Cash dividends to net income (ytd only)* | 22.8012% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 5,430 |
| Loan loss allowance to noncurrent loans | 24.0135% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 3.1480% | 2,170 |
| Noncurrent loans to loans | 4.7764% | 1,423 |
| Net loans and leases to total assets | 65.1518% | 4,614 |
| Net loans and leases to deposits | 75.0634% | 5,200 |
| Net loans and leases to core deposits | 88.9500% | 5,532 |
| Total domestic deposits to total assets | 86.7957% | 2,286 |
| Equity capital to assets | 9.6872% | 4,514 |
| Core capital (leverage) ratio | 9.5799% | 3,810 |
| Tier 1 risk-based capital ratio | 12.4886% | 4,549 |
| Total risk-based capital ratio | 13.4886% | 4,699 |
| Memoranda: | ||
| Average total assets | $54,961,250 | 6,579 |
| Average earning assets | $49,992,750 | 6,576 |
| Average equity | $5,285,250 | 6,909 |
| Average total loans | $36,437,000 | 6,322 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8929% | 2,616 |
| Cost of funding earning assets | 2.3644% | 2,105 |
| Net interest margin | 3.5285% | 4,661 |
| Noninterest income to average assets | 0.5909% | 3,768 |
| Noninterest expense to average assets | 2.8038% | 4,944 |
| Loan and lease loss provision to assets | 0.1101% | 6,050 |
| Net operating income to assets | 0.7010% | 3,249 |
| Return on assets (ROA) | 0.7010% | 3,358 |
| Pretax return on assets | 0.8808% | 3,402 |
| Return on Equity (ROE) | 7.3077% | 3,059 |
| Retained earnings to average equity (ytd only) | 4.6295% | 2,719 |
| Net charge-offs to loans | 0.4641% | 2,973 |
| Credit loss provision to net charge-offs | 35.7143% | 5,961 |
| Earnings coverage of net charge-offs (x) | 3.2143% | 3,526 |
| Efficiency ratio | 73.8878% | 4,050 |
| Assets per employee ($millions) | 5.0562% | 2,018 |
| Cash dividends to net income (ytd only)* | 36.6492% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,509 |
| Loan loss allowance to noncurrent loans | 18.8705% | 7,194 |
| Noncurrent assets plus other real estate owned to assets | 3.9160% | 1,535 |
| Noncurrent loans to loans | 5.8948% | 937 |
| Net loans and leases to total assets | 65.6928% | 4,629 |
| Net loans and leases to deposits | 75.4881% | 5,245 |
| Net loans and leases to core deposits | 88.2472% | 5,700 |
| Total domestic deposits to total assets | 87.0240% | 2,243 |
| Equity capital to assets | 9.4879% | 4,625 |
| Core capital (leverage) ratio | 9.3317% | 4,128 |
| Tier 1 risk-based capital ratio | 12.2947% | 4,678 |
| Total risk-based capital ratio | 13.2659% | 4,829 |
| Memoranda: | ||
| Average total assets | $54,497,330 | 6,657 |
| Average earning assets | $49,483,000 | 6,654 |
| Average equity | $5,227,330 | 6,992 |
| Average total loans | $36,202,330 | 6,392 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1206% | 1,872 |
| Cost of funding earning assets | 2.3666% | 2,429 |
| Net interest margin | 3.7540% | 3,639 |
| Noninterest income to average assets | 0.6674% | 3,091 |
| Noninterest expense to average assets | 2.6624% | 5,172 |
| Loan and lease loss provision to assets | 0.1112% | 5,540 |
| Net operating income to assets | 1.0308% | 2,189 |
| Return on assets (ROA) | 1.0308% | 2,332 |
| Pretax return on assets | 1.3052% | 2,265 |
| Return on Equity (ROE) | 10.6872% | 2,074 |
| Retained earnings to average equity (ytd only) | 5.3051% | 2,954 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2727% | 5,453 |
| Assets per employee ($millions) | 4.6856% | 2,458 |
| Cash dividends to net income (ytd only)* | 50.3597% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 3,966 |
| Loan loss allowance to noncurrent loans | 23.1884% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 3.6815% | 1,437 |
| Noncurrent loans to loans | 5.6868% | 874 |
| Net loans and leases to total assets | 63.8839% | 5,011 |
| Net loans and leases to deposits | 73.2986% | 5,571 |
| Net loans and leases to core deposits | 87.5991% | 5,775 |
| Total domestic deposits to total assets | 87.1556% | 2,145 |
| Equity capital to assets | 9.3336% | 4,882 |
| Core capital (leverage) ratio | 10.4541% | 2,979 |
| Tier 1 risk-based capital ratio | 12.1889% | 4,797 |
| Total risk-based capital ratio | 13.3245% | 4,790 |
| Memoranda: | ||
| Average total assets | $53,937,000 | 6,713 |
| Average earning assets | $49,014,500 | 6,709 |
| Average equity | $5,202,500 | 7,055 |
| Average total loans | $35,829,500 | 6,446 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2545% | 4,215 |
| Cost of funding earning assets | 2.8445% | 2,504 |
| Net interest margin | 3.4100% | 5,620 |
| Noninterest income to average assets | 0.6436% | 3,519 |
| Noninterest expense to average assets | 3.1425% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5941% | 4,321 |
| Return on assets (ROA) | 0.5979% | 4,178 |
| Pretax return on assets | 0.6317% | 4,594 |
| Return on Equity (ROE) | 6.0328% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.4315% | 1,796 |
| Net charge-offs to loans | -0.2671% | 8,187 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3509% | 2,132 |
| Assets per employee ($millions) | 4.3039% | 2,953 |
| Cash dividends to net income (ytd only)* | 9.9668% | 4,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 3,656 |
| Loan loss allowance to noncurrent loans | 25.4098% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 3.5433% | 1,252 |
| Noncurrent loans to loans | 5.1902% | 824 |
| Net loans and leases to total assets | 67.3689% | 4,573 |
| Net loans and leases to deposits | 76.4939% | 5,533 |
| Net loans and leases to core deposits | 91.1386% | 5,705 |
| Total domestic deposits to total assets | 88.0709% | 1,442 |
| Equity capital to assets | 9.9851% | 4,054 |
| Core capital (leverage) ratio | 10.0349% | 3,414 |
| Tier 1 risk-based capital ratio | 12.6367% | 4,334 |
| Total risk-based capital ratio | 13.7928% | 4,312 |
| Memoranda: | ||
| Average total assets | $50,342,400 | 6,761 |
| Average earning assets | $46,158,600 | 6,761 |
| Average equity | $4,989,400 | 7,147 |
| Average total loans | $33,320,000 | 6,522 |