Home > Bank of Columbia > Performance and Condition Ratios
Bank of Columbia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 969 |
| Cost of funding earning assets | 1.2994% | 2,516 |
| Net interest margin | 4.3655% | 739 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.5459% | 2,168 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.9557% | 496 |
| Return on assets (ROA) | 1.9557% | 472 |
| Pretax return on assets | 1.9557% | 716 |
| Return on Equity (ROE) | 24.4700% | 329 |
| Retained earnings to average equity (ytd only) | 10.8674% | 824 |
| Net charge-offs to loans | 0.0774% | 1,094 |
| Credit loss provision to net charge-offs | 283.1933% | 993 |
| Earnings coverage of net charge-offs (x) | 33.8487% | 1,554 |
| Efficiency ratio | 54.1543% | 3,666 |
| Assets per employee ($millions) | 5.9685% | 2,850 |
| Cash dividends to net income (ytd only)* | 55.5951% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 764 |
| Loan loss allowance to noncurrent loans | 403.3537% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 1,617 |
| Noncurrent loans to loans | 0.4084% | 1,761 |
| Net loans and leases to total assets | 80.2100% | 622 |
| Net loans and leases to deposits | 91.3023% | 1,155 |
| Net loans and leases to core deposits | 98.4336% | 1,523 |
| Total domestic deposits to total assets | 87.8500% | 1,404 |
| Equity capital to assets | 8.2367% | 3,255 |
| Core capital (leverage) ratio | 9.5611% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $186,888,000 | 3,078 |
| Average earning assets | $180,781,800 | 2,998 |
| Average equity | $14,934,600 | 3,271 |
| Average total loans | $153,775,600 | 2,646 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 931 |
| Cost of funding earning assets | 1.1918% | 2,458 |
| Net interest margin | 4.3844% | 713 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.4848% | 2,284 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 2.0697% | 456 |
| Return on assets (ROA) | 2.0697% | 450 |
| Pretax return on assets | 2.0697% | 694 |
| Return on Equity (ROE) | 26.1100% | 349 |
| Retained earnings to average equity (ytd only) | 11.0040% | 1,155 |
| Net charge-offs to loans | 0.0237% | 1,608 |
| Credit loss provision to net charge-offs | 777.7778% | 478 |
| Earnings coverage of net charge-offs (x) | 115.2222% | 860 |
| Efficiency ratio | 52.4821% | 3,719 |
| Assets per employee ($millions) | 5.6086% | 3,095 |
| Cash dividends to net income (ytd only)* | 57.8616% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 777 |
| Loan loss allowance to noncurrent loans | 14,505.5556% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,761 |
| Noncurrent loans to loans | 0.0114% | 3,714 |
| Net loans and leases to total assets | 81.2700% | 503 |
| Net loans and leases to deposits | 89.9868% | 1,241 |
| Net loans and leases to core deposits | 95.8405% | 1,560 |
| Total domestic deposits to total assets | 90.3100% | 858 |
| Equity capital to assets | 7.5734% | 3,313 |
| Core capital (leverage) ratio | 9.4002% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $184,370,000 | 3,097 |
| Average earning assets | $178,325,250 | 3,033 |
| Average equity | $14,612,500 | 3,297 |
| Average total loans | $152,062,000 | 2,663 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4296% | 923 |
| Cost of funding earning assets | 1.0648% | 2,403 |
| Net interest margin | 4.3648% | 736 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.4909% | 2,231 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 2.0970% | 405 |
| Return on assets (ROA) | 2.0970% | 400 |
| Pretax return on assets | 2.0970% | 631 |
| Return on Equity (ROE) | 26.0500% | 330 |
| Retained earnings to average equity (ytd only) | 7.5804% | 2,102 |
| Net charge-offs to loans | 0.0413% | 1,102 |
| Credit loss provision to net charge-offs | 393.5484% | 741 |
| Earnings coverage of net charge-offs (x) | 66.5806% | 1,134 |
| Efficiency ratio | 52.3766% | 3,752 |
| Assets per employee ($millions) | 5.5124% | 3,138 |
| Cash dividends to net income (ytd only)* | 70.9053% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 878 |
| Loan loss allowance to noncurrent loans | 1,193.8389% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,746 |
| Noncurrent loans to loans | 0.1366% | 2,788 |
| Net loans and leases to total assets | 81.0800% | 509 |
| Net loans and leases to deposits | 88.4574% | 1,305 |
| Net loans and leases to core deposits | 94.8260% | 1,534 |
| Total domestic deposits to total assets | 91.6500% | 479 |
| Equity capital to assets | 7.9793% | 3,232 |
| Core capital (leverage) ratio | 9.4449% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,262,000 | 3,122 |
| Average earning assets | $175,997,667 | 3,056 |
| Average equity | $14,669,333 | 3,304 |
| Average total loans | $150,219,667 | 2,668 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3309% | 797 |
| Cost of funding earning assets | 0.9127% | 2,329 |
| Net interest margin | 4.4182% | 660 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.5200% | 2,199 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 2.0993% | 427 |
| Return on assets (ROA) | 2.0993% | 421 |
| Pretax return on assets | 2.0993% | 656 |
| Return on Equity (ROE) | 25.9700% | 365 |
| Retained earnings to average equity (ytd only) | 5.2318% | 2,965 |
| Net charge-offs to loans | 0.0432% | 925 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 973 |
| Efficiency ratio | 51.9266% | 3,785 |
| Assets per employee ($millions) | 5.0634% | 3,613 |
| Cash dividends to net income (ytd only)* | 79.8515% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 930 |
| Loan loss allowance to noncurrent loans | 1,025.7261% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 2,589 |
| Noncurrent loans to loans | 0.1598% | 2,689 |
| Net loans and leases to total assets | 81.4000% | 425 |
| Net loans and leases to deposits | 89.2059% | 1,117 |
| Net loans and leases to core deposits | 95.8830% | 1,293 |
| Total domestic deposits to total assets | 91.2500% | 719 |
| Equity capital to assets | 8.1391% | 3,150 |
| Core capital (leverage) ratio | 9.4175% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $179,682,000 | 3,179 |
| Average earning assets | $173,555,500 | 3,114 |
| Average equity | $14,526,500 | 3,349 |
| Average total loans | $148,093,500 | 2,719 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 699 |
| Cost of funding earning assets | 0.4215% | 1,925 |
| Net interest margin | 4.0950% | 666 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.4490% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9695% | 314 |
| Return on assets (ROA) | 1.9695% | 302 |
| Pretax return on assets | 1.9695% | 509 |
| Return on Equity (ROE) | 24.2000% | 239 |
| Retained earnings to average equity (ytd only) | -1.8879% | 4,476 |
| Net charge-offs to loans | 0.0225% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 119.5161% | 887 |
| Efficiency ratio | 55.4259% | 3,638 |
| Assets per employee ($millions) | 4.9190% | 3,734 |
| Cash dividends to net income (ytd only)* | 107.8003% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 840 |
| Loan loss allowance to noncurrent loans | 4,760.7843% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 3,525 |
| Noncurrent loans to loans | 0.0351% | 3,530 |
| Net loans and leases to total assets | 80.7000% | 528 |
| Net loans and leases to deposits | 89.5880% | 1,080 |
| Net loans and leases to core deposits | 95.0964% | 1,249 |
| Total domestic deposits to total assets | 90.0800% | 1,331 |
| Equity capital to assets | 8.0284% | 3,046 |
| Core capital (leverage) ratio | 9.4720% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $188,117,000 | 3,121 |
| Average earning assets | $181,951,800 | 3,052 |
| Average equity | $15,307,800 | 3,344 |
| Average total loans | $137,850,000 | 2,752 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 706 |
| Cost of funding earning assets | 0.3730% | 1,494 |
| Net interest margin | 3.9451% | 710 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.4253% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8713% | 371 |
| Return on assets (ROA) | 1.8713% | 361 |
| Pretax return on assets | 1.8713% | 629 |
| Return on Equity (ROE) | 22.9300% | 257 |
| Retained earnings to average equity (ytd only) | -2.8411% | 4,530 |
| Net charge-offs to loans | -0.0010% | 3,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4461% | 3,575 |
| Assets per employee ($millions) | 5.4930% | 3,230 |
| Cash dividends to net income (ytd only)* | 112.3927% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7257% | 833 |
| Loan loss allowance to noncurrent loans | 8,782.1429% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,823 |
| Noncurrent loans to loans | 0.0197% | 3,779 |
| Net loans and leases to total assets | 72.8400% | 1,196 |
| Net loans and leases to deposits | 78.4930% | 1,674 |
| Net loans and leases to core deposits | 82.3714% | 1,739 |
| Total domestic deposits to total assets | 92.7900% | 636 |
| Equity capital to assets | 6.9777% | 3,532 |
| Core capital (leverage) ratio | 9.4744% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $190,875,500 | 3,117 |
| Average earning assets | $184,799,250 | 3,061 |
| Average equity | $15,580,500 | 3,357 |
| Average total loans | $135,978,250 | 2,777 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 643 |
| Cost of funding earning assets | 0.3719% | 1,104 |
| Net interest margin | 3.8217% | 716 |
| Noninterest income to average assets | 0.5168% | 2,104 |
| Noninterest expense to average assets | 2.4336% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7856% | 351 |
| Return on assets (ROA) | 1.7856% | 347 |
| Pretax return on assets | 1.7856% | 623 |
| Return on Equity (ROE) | 20.8559% | 255 |
| Retained earnings to average equity (ytd only) | -1.3004% | 4,323 |
| Net charge-offs to loans | 0.0254% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 813 |
| Efficiency ratio | 57.6799% | 3,605 |
| Assets per employee ($millions) | 4.7776% | 3,862 |
| Cash dividends to net income (ytd only)* | 106.2353% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 904 |
| Loan loss allowance to noncurrent loans | 1,285.2632% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,956 |
| Noncurrent loans to loans | 0.1350% | 3,033 |
| Net loans and leases to total assets | 78.2650% | 540 |
| Net loans and leases to deposits | 85.5659% | 1,005 |
| Net loans and leases to core deposits | 90.0686% | 1,114 |
| Total domestic deposits to total assets | 91.4674% | 1,039 |
| Equity capital to assets | 8.3645% | 2,859 |
| Core capital (leverage) ratio | 9.5574% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,416,000 | 3,162 |
| Average earning assets | $184,472,667 | 3,107 |
| Average equity | $16,302,333 | 3,381 |
| Average total loans | $133,807,000 | 2,810 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 874 |
| Cost of funding earning assets | 0.4375% | 692 |
| Net interest margin | 3.4954% | 1,099 |
| Noninterest income to average assets | 0.5618% | 1,861 |
| Noninterest expense to average assets | 2.2511% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6974% | 416 |
| Return on assets (ROA) | 1.6974% | 418 |
| Pretax return on assets | 1.6974% | 689 |
| Return on Equity (ROE) | 19.6243% | 241 |
| Retained earnings to average equity (ytd only) | 5.5098% | 2,410 |
| Net charge-offs to loans | -0.0215% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0108% | 3,783 |
| Assets per employee ($millions) | 4.8780% | 3,860 |
| Cash dividends to net income (ytd only)* | 71.9235% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 765 |
| Loan loss allowance to noncurrent loans | 154.8995% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 626 |
| Noncurrent loans to loans | 1.2156% | 726 |
| Net loans and leases to total assets | 69.3227% | 1,082 |
| Net loans and leases to deposits | 76.0972% | 1,432 |
| Net loans and leases to core deposits | 79.7919% | 1,498 |
| Total domestic deposits to total assets | 91.0976% | 985 |
| Equity capital to assets | 8.7740% | 2,911 |
| Core capital (leverage) ratio | 8.5092% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,239,000 | 3,124 |
| Average earning assets | $191,106,500 | 3,071 |
| Average equity | $17,060,500 | 3,392 |
| Average total loans | $130,315,000 | 2,846 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 219 |
| Cost of funding earning assets | 0.3908% | 1,608 |
| Net interest margin | 4.7394% | 193 |
| Noninterest income to average assets | 0.3636% | 3,253 |
| Noninterest expense to average assets | 2.4322% | 2,385 |
| Loan and lease loss provision to assets | 0.1638% | 720 |
| Net operating income to assets | 2.3432% | 191 |
| Return on assets (ROA) | 2.3432% | 201 |
| Pretax return on assets | 2.3432% | 322 |
| Return on Equity (ROE) | 25.1012% | 122 |
| Retained earnings to average equity (ytd only) | 10.6089% | 781 |
| Net charge-offs to loans | -0.0770% | 4,501 |
| Credit loss provision to net charge-offs | -309.2784% | 3,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2428% | 4,340 |
| Assets per employee ($millions) | 5.5030% | 3,254 |
| Cash dividends to net income (ytd only)* | 57.7353% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 734 |
| Loan loss allowance to noncurrent loans | 153.6875% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 798 |
| Noncurrent loans to loans | 1.2340% | 779 |
| Net loans and leases to total assets | 60.8307% | 2,077 |
| Net loans and leases to deposits | 68.6078% | 2,253 |
| Net loans and leases to core deposits | 71.7246% | 2,284 |
| Total domestic deposits to total assets | 88.6645% | 1,695 |
| Equity capital to assets | 8.5394% | 4,024 |
| Core capital (leverage) ratio | 8.6227% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,167,400 | 3,183 |
| Average earning assets | $176,838,000 | 3,117 |
| Average equity | $17,098,800 | 3,455 |
| Average total loans | $125,920,600 | 2,900 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4301% | 160 |
| Cost of funding earning assets | 0.4149% | 1,583 |
| Net interest margin | 5.0152% | 155 |
| Noninterest income to average assets | 0.3713% | 3,244 |
| Noninterest expense to average assets | 2.4782% | 2,185 |
| Loan and lease loss provision to assets | 0.2038% | 505 |
| Net operating income to assets | 2.5235% | 210 |
| Return on assets (ROA) | 2.5235% | 212 |
| Pretax return on assets | 2.5235% | 329 |
| Return on Equity (ROE) | 26.3676% | 143 |
| Retained earnings to average equity (ytd only) | 11.8906% | 853 |
| Net charge-offs to loans | -0.0021% | 3,231 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6080% | 4,398 |
| Assets per employee ($millions) | 4.8115% | 3,878 |
| Cash dividends to net income (ytd only)* | 54.9043% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 936 |
| Loan loss allowance to noncurrent loans | 109.1674% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 515 |
| Noncurrent loans to loans | 1.6457% | 617 |
| Net loans and leases to total assets | 69.7769% | 1,100 |
| Net loans and leases to deposits | 80.1616% | 1,281 |
| Net loans and leases to core deposits | 84.0834% | 1,419 |
| Total domestic deposits to total assets | 87.0453% | 2,337 |
| Equity capital to assets | 9.6911% | 3,192 |
| Core capital (leverage) ratio | 9.2525% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,681,000 | 3,269 |
| Average earning assets | $170,306,000 | 3,209 |
| Average equity | $16,909,250 | 3,516 |
| Average total loans | $124,984,750 | 2,945 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5170% | 167 |
| Cost of funding earning assets | 0.4389% | 1,598 |
| Net interest margin | 5.0781% | 155 |
| Noninterest income to average assets | 0.3791% | 3,218 |
| Noninterest expense to average assets | 2.5162% | 2,090 |
| Loan and lease loss provision to assets | 0.2062% | 536 |
| Net operating income to assets | 2.5460% | 207 |
| Return on assets (ROA) | 2.5460% | 222 |
| Pretax return on assets | 2.5460% | 333 |
| Return on Equity (ROE) | 26.7198% | 154 |
| Retained earnings to average equity (ytd only) | 11.8875% | 946 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7609% | 4,405 |
| Assets per employee ($millions) | 4.9976% | 3,661 |
| Cash dividends to net income (ytd only)* | 55.5106% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 896 |
| Loan loss allowance to noncurrent loans | 105.6053% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 591 |
| Noncurrent loans to loans | 1.6965% | 626 |
| Net loans and leases to total assets | 68.3106% | 1,413 |
| Net loans and leases to deposits | 78.4415% | 1,577 |
| Net loans and leases to core deposits | 81.9715% | 1,729 |
| Total domestic deposits to total assets | 87.0848% | 2,273 |
| Equity capital to assets | 9.6214% | 3,228 |
| Core capital (leverage) ratio | 9.1758% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,629,000 | 3,295 |
| Average earning assets | $168,133,333 | 3,242 |
| Average equity | $16,639,333 | 3,548 |
| Average total loans | $123,342,333 | 2,979 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 847 |
| Cost of funding earning assets | 0.4800% | 1,517 |
| Net interest margin | 3.9688% | 889 |
| Noninterest income to average assets | 0.3558% | 3,306 |
| Noninterest expense to average assets | 2.5909% | 1,908 |
| Loan and lease loss provision to assets | 0.2093% | 572 |
| Net operating income to assets | 1.3629% | 1,654 |
| Return on assets (ROA) | 1.3629% | 1,741 |
| Pretax return on assets | 1.3629% | 2,388 |
| Return on Equity (ROE) | 14.3768% | 1,356 |
| Retained earnings to average equity (ytd only) | -0.3925% | 4,399 |
| Net charge-offs to loans | -0.0196% | 3,988 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2346% | 2,718 |
| Assets per employee ($millions) | 4.5860% | 4,027 |
| Cash dividends to net income (ytd only)* | 102.7304% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 996 |
| Loan loss allowance to noncurrent loans | 93.5009% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3244% | 523 |
| Noncurrent loans to loans | 1.8431% | 617 |
| Net loans and leases to total assets | 70.6178% | 1,203 |
| Net loans and leases to deposits | 80.8882% | 1,436 |
| Net loans and leases to core deposits | 84.4913% | 1,636 |
| Total domestic deposits to total assets | 87.3030% | 2,181 |
| Equity capital to assets | 9.2489% | 3,445 |
| Core capital (leverage) ratio | 9.0157% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,987,500 | 3,313 |
| Average earning assets | $164,988,500 | 3,269 |
| Average equity | $16,304,000 | 3,580 |
| Average total loans | $122,443,000 | 2,994 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 570 |
| Cost of funding earning assets | 0.7213% | 1,609 |
| Net interest margin | 4.2069% | 625 |
| Noninterest income to average assets | 0.4871% | 2,688 |
| Noninterest expense to average assets | 2.6399% | 2,420 |
| Loan and lease loss provision to assets | 0.1852% | 2,098 |
| Net operating income to assets | 1.6947% | 501 |
| Return on assets (ROA) | 1.7503% | 474 |
| Pretax return on assets | 1.7503% | 765 |
| Return on Equity (ROE) | 17.7491% | 349 |
| Retained earnings to average equity (ytd only) | 2.5168% | 3,590 |
| Net charge-offs to loans | 0.0156% | 2,792 |
| Credit loss provision to net charge-offs | 1,578.9474% | 528 |
| Earnings coverage of net charge-offs (x) | 160.2632% | 548 |
| Efficiency ratio | 58.4073% | 3,668 |
| Assets per employee ($millions) | 4.4659% | 3,951 |
| Cash dividends to net income (ytd only)* | 85.8201% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 986 |
| Loan loss allowance to noncurrent loans | 81.9881% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.4820% | 499 |
| Noncurrent loans to loans | 2.1017% | 527 |
| Net loans and leases to total assets | 69.2969% | 1,648 |
| Net loans and leases to deposits | 80.4781% | 1,812 |
| Net loans and leases to core deposits | 86.1237% | 1,859 |
| Total domestic deposits to total assets | 86.1066% | 2,320 |
| Equity capital to assets | 9.7168% | 3,389 |
| Core capital (leverage) ratio | 9.0814% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,974,400 | 3,272 |
| Average earning assets | $155,268,200 | 3,209 |
| Average equity | $15,972,600 | 3,553 |
| Average total loans | $121,799,800 | 2,960 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 701 |
| Cost of funding earning assets | 0.7311% | 1,850 |
| Net interest margin | 4.1912% | 751 |
| Noninterest income to average assets | 0.4732% | 2,726 |
| Noninterest expense to average assets | 2.6218% | 2,474 |
| Loan and lease loss provision to assets | 0.1750% | 2,233 |
| Net operating income to assets | 1.6979% | 575 |
| Return on assets (ROA) | 1.7387% | 589 |
| Pretax return on assets | 1.7387% | 891 |
| Return on Equity (ROE) | 17.5633% | 397 |
| Retained earnings to average equity (ytd only) | 2.3648% | 3,795 |
| Net charge-offs to loans | 0.0207% | 2,442 |
| Credit loss provision to net charge-offs | 1,105.2632% | 778 |
| Earnings coverage of net charge-offs (x) | 118.3158% | 701 |
| Efficiency ratio | 58.3318% | 3,620 |
| Assets per employee ($millions) | 4.7846% | 3,506 |
| Cash dividends to net income (ytd only)* | 86.5357% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,162 |
| Loan loss allowance to noncurrent loans | 81.0855% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.4120% | 635 |
| Noncurrent loans to loans | 1.9487% | 629 |
| Net loans and leases to total assets | 71.3116% | 1,769 |
| Net loans and leases to deposits | 86.4982% | 1,640 |
| Net loans and leases to core deposits | 92.6320% | 1,744 |
| Total domestic deposits to total assets | 82.4429% | 3,301 |
| Equity capital to assets | 9.5092% | 3,679 |
| Core capital (leverage) ratio | 9.2554% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,041,500 | 3,273 |
| Average earning assets | $153,555,750 | 3,207 |
| Average equity | $15,843,250 | 3,572 |
| Average total loans | $122,334,000 | 2,967 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 749 |
| Cost of funding earning assets | 0.7722% | 1,983 |
| Net interest margin | 4.2859% | 777 |
| Noninterest income to average assets | 0.4783% | 2,664 |
| Noninterest expense to average assets | 2.6940% | 2,402 |
| Loan and lease loss provision to assets | 0.1539% | 2,463 |
| Net operating income to assets | 1.7298% | 586 |
| Return on assets (ROA) | 1.7926% | 559 |
| Pretax return on assets | 1.7926% | 825 |
| Return on Equity (ROE) | 17.8491% | 380 |
| Retained earnings to average equity (ytd only) | 2.4769% | 3,588 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8515% | 3,578 |
| Assets per employee ($millions) | 4.8629% | 3,348 |
| Cash dividends to net income (ytd only)* | 86.1230% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 1,179 |
| Loan loss allowance to noncurrent loans | 84.9419% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3149% | 787 |
| Noncurrent loans to loans | 1.7999% | 781 |
| Net loans and leases to total assets | 71.9365% | 1,719 |
| Net loans and leases to deposits | 87.1834% | 1,644 |
| Net loans and leases to core deposits | 93.6442% | 1,777 |
| Total domestic deposits to total assets | 82.5118% | 3,232 |
| Equity capital to assets | 9.5447% | 3,619 |
| Core capital (leverage) ratio | 9.4643% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8730% | 2,661 |
| Memoranda: | ||
| Average total assets | $155,974,000 | 3,293 |
| Average earning assets | $149,187,000 | 3,230 |
| Average equity | $15,664,667 | 3,587 |
| Average total loans | $121,511,333 | 2,961 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3132% | 539 |
| Cost of funding earning assets | 0.8404% | 2,167 |
| Net interest margin | 4.4728% | 541 |
| Noninterest income to average assets | 0.6395% | 1,866 |
| Noninterest expense to average assets | 2.7731% | 2,509 |
| Loan and lease loss provision to assets | 0.0806% | 2,701 |
| Net operating income to assets | 2.0475% | 249 |
| Return on assets (ROA) | 2.0475% | 270 |
| Pretax return on assets | 2.0475% | 412 |
| Return on Equity (ROE) | 19.8250% | 172 |
| Retained earnings to average equity (ytd only) | 4.1627% | 2,620 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5789% | 4,151 |
| Assets per employee ($millions) | 4.2541% | 3,592 |
| Cash dividends to net income (ytd only)* | 79.0026% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,238 |
| Loan loss allowance to noncurrent loans | 294.9511% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 2,807 |
| Noncurrent loans to loans | 0.5197% | 2,706 |
| Net loans and leases to total assets | 78.1321% | 960 |
| Net loans and leases to deposits | 92.0349% | 1,277 |
| Net loans and leases to core deposits | 100.3502% | 1,445 |
| Total domestic deposits to total assets | 84.8940% | 2,447 |
| Equity capital to assets | 10.4457% | 3,369 |
| Core capital (leverage) ratio | 10.2680% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9940% | 2,286 |
| Memoranda: | ||
| Average total assets | $148,861,000 | 3,337 |
| Average earning assets | $141,836,500 | 3,284 |
| Average equity | $15,374,500 | 3,622 |
| Average total loans | $120,098,500 | 2,955 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 658 |
| Cost of funding earning assets | 0.8095% | 2,633 |
| Net interest margin | 4.5986% | 575 |
| Noninterest income to average assets | 0.7275% | 1,713 |
| Noninterest expense to average assets | 2.8772% | 2,362 |
| Loan and lease loss provision to assets | 0.1251% | 1,698 |
| Net operating income to assets | 2.0907% | 280 |
| Return on assets (ROA) | 2.1060% | 282 |
| Pretax return on assets | 2.1060% | 472 |
| Return on Equity (ROE) | 20.7591% | 175 |
| Retained earnings to average equity (ytd only) | 4.0272% | 2,949 |
| Net charge-offs to loans | 0.0213% | 2,988 |
| Credit loss provision to net charge-offs | 720.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 127.5600% | 562 |
| Efficiency ratio | 56.4939% | 4,146 |
| Assets per employee ($millions) | 4.2522% | 3,576 |
| Cash dividends to net income (ytd only)* | 80.6005% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,340 |
| Loan loss allowance to noncurrent loans | 155.8180% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 1,688 |
| Noncurrent loans to loans | 0.9365% | 1,631 |
| Net loans and leases to total assets | 80.8121% | 692 |
| Net loans and leases to deposits | 103.4847% | 401 |
| Net loans and leases to core deposits | 113.6852% | 689 |
| Total domestic deposits to total assets | 78.0908% | 4,345 |
| Equity capital to assets | 10.2104% | 3,721 |
| Core capital (leverage) ratio | 10.2284% | 3,267 |
| Tier 1 risk-based capital ratio | 12.2823% | 4,195 |
| Total risk-based capital ratio | 13.5342% | 4,065 |
| Memoranda: | ||
| Average total assets | $143,923,400 | 3,378 |
| Average earning assets | $136,630,000 | 3,330 |
| Average equity | $14,600,800 | 3,676 |
| Average total loans | $117,209,800 | 2,975 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 729 |
| Cost of funding earning assets | 0.8096% | 2,664 |
| Net interest margin | 4.5744% | 650 |
| Noninterest income to average assets | 0.6045% | 2,183 |
| Noninterest expense to average assets | 2.9133% | 2,217 |
| Loan and lease loss provision to assets | 0.0841% | 2,225 |
| Net operating income to assets | 1.9575% | 432 |
| Return on assets (ROA) | 1.9780% | 435 |
| Pretax return on assets | 1.9780% | 722 |
| Return on Equity (ROE) | 19.5309% | 276 |
| Retained earnings to average equity (ytd only) | 2.7308% | 3,998 |
| Net charge-offs to loans | 0.0483% | 2,147 |
| Credit loss provision to net charge-offs | 214.2857% | 1,243 |
| Earnings coverage of net charge-offs (x) | 52.0225% | 1,158 |
| Efficiency ratio | 58.7969% | 3,827 |
| Assets per employee ($millions) | 3.8852% | 4,047 |
| Cash dividends to net income (ytd only)* | 86.0179% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,520 |
| Loan loss allowance to noncurrent loans | 179.4212% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 2,065 |
| Noncurrent loans to loans | 0.7879% | 2,002 |
| Net loans and leases to total assets | 81.2058% | 679 |
| Net loans and leases to deposits | 97.7009% | 850 |
| Net loans and leases to core deposits | 107.3514% | 1,096 |
| Total domestic deposits to total assets | 83.1168% | 3,124 |
| Equity capital to assets | 10.4291% | 3,615 |
| Core capital (leverage) ratio | 10.2642% | 3,349 |
| Tier 1 risk-based capital ratio | 12.5322% | 4,120 |
| Total risk-based capital ratio | 13.7837% | 3,995 |
| Memoranda: | ||
| Average total assets | $142,697,250 | 3,432 |
| Average earning assets | $135,708,250 | 3,376 |
| Average equity | $14,452,000 | 3,726 |
| Average total loans | $115,999,250 | 3,019 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 749 |
| Cost of funding earning assets | 0.8096% | 2,597 |
| Net interest margin | 4.5301% | 714 |
| Noninterest income to average assets | 0.4833% | 2,764 |
| Noninterest expense to average assets | 2.8368% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9389% | 436 |
| Return on assets (ROA) | 1.9389% | 458 |
| Pretax return on assets | 1.9389% | 771 |
| Return on Equity (ROE) | 19.3386% | 292 |
| Retained earnings to average equity (ytd only) | 2.4664% | 3,955 |
| Net charge-offs to loans | 0.0503% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 47.5862% | 1,134 |
| Efficiency ratio | 59.3998% | 3,812 |
| Assets per employee ($millions) | 3.8532% | 4,058 |
| Cash dividends to net income (ytd only)* | 87.2464% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,687 |
| Loan loss allowance to noncurrent loans | 184.1984% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 2,114 |
| Noncurrent loans to loans | 0.7506% | 2,111 |
| Net loans and leases to total assets | 77.7947% | 1,258 |
| Net loans and leases to deposits | 95.6832% | 1,071 |
| Net loans and leases to core deposits | 105.7004% | 1,262 |
| Total domestic deposits to total assets | 81.3045% | 3,722 |
| Equity capital to assets | 10.0662% | 3,923 |
| Core capital (leverage) ratio | 10.2934% | 3,296 |
| Tier 1 risk-based capital ratio | 12.5159% | 4,116 |
| Total risk-based capital ratio | 13.7667% | 4,005 |
| Memoranda: | ||
| Average total assets | $142,345,670 | 3,457 |
| Average earning assets | $134,876,330 | 3,412 |
| Average equity | $14,272,000 | 3,752 |
| Average total loans | $115,196,000 | 3,047 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 893 |
| Cost of funding earning assets | 0.8055% | 2,508 |
| Net interest margin | 4.4051% | 891 |
| Noninterest income to average assets | 0.4362% | 2,937 |
| Noninterest expense to average assets | 2.8566% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8046% | 578 |
| Return on assets (ROA) | 1.8046% | 595 |
| Pretax return on assets | 1.8046% | 975 |
| Return on Equity (ROE) | 18.0361% | 396 |
| Retained earnings to average equity (ytd only) | 0.8833% | 4,342 |
| Net charge-offs to loans | 0.0556% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 39.5625% | 1,160 |
| Efficiency ratio | 61.2844% | 3,638 |
| Assets per employee ($millions) | 3.9320% | 4,025 |
| Cash dividends to net income (ytd only)* | 95.1027% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,685 |
| Loan loss allowance to noncurrent loans | 96.3495% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 1,060 |
| Noncurrent loans to loans | 1.4508% | 1,114 |
| Net loans and leases to total assets | 80.2327% | 805 |
| Net loans and leases to deposits | 95.8793% | 981 |
| Net loans and leases to core deposits | 105.9886% | 1,173 |
| Total domestic deposits to total assets | 83.6809% | 3,159 |
| Equity capital to assets | 10.0832% | 3,734 |
| Core capital (leverage) ratio | 10.1186% | 3,467 |
| Tier 1 risk-based capital ratio | 12.4645% | 4,194 |
| Total risk-based capital ratio | 13.7157% | 4,057 |
| Memoranda: | ||
| Average total assets | $140,308,500 | 3,527 |
| Average earning assets | $134,571,500 | 3,448 |
| Average equity | $14,038,500 | 3,795 |
| Average total loans | $115,042,000 | 3,078 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 777 |
| Cost of funding earning assets | 0.6079% | 2,662 |
| Net interest margin | 4.5350% | 718 |
| Noninterest income to average assets | 0.5447% | 2,579 |
| Noninterest expense to average assets | 2.8595% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0161% | 349 |
| Return on assets (ROA) | 2.0512% | 320 |
| Pretax return on assets | 2.0512% | 497 |
| Return on Equity (ROE) | 20.7426% | 218 |
| Retained earnings to average equity (ytd only) | 2.7396% | 4,031 |
| Net charge-offs to loans | 0.0662% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 38.3472% | 1,356 |
| Efficiency ratio | 58.6491% | 4,057 |
| Assets per employee ($millions) | 3.8629% | 4,087 |
| Cash dividends to net income (ytd only)* | 86.7925% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,582 |
| Loan loss allowance to noncurrent loans | 191.0693% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 2,020 |
| Noncurrent loans to loans | 0.7406% | 2,145 |
| Net loans and leases to total assets | 81.4562% | 738 |
| Net loans and leases to deposits | 98.5797% | 845 |
| Net loans and leases to core deposits | 108.3254% | 1,100 |
| Total domestic deposits to total assets | 82.6297% | 3,443 |
| Equity capital to assets | 9.9263% | 3,742 |
| Core capital (leverage) ratio | 10.2519% | 3,302 |
| Tier 1 risk-based capital ratio | 12.5496% | 4,107 |
| Total risk-based capital ratio | 13.8016% | 3,977 |
| Memoranda: | ||
| Average total assets | $136,945,200 | 3,547 |
| Average earning assets | $130,783,800 | 3,486 |
| Average equity | $13,542,200 | 3,810 |
| Average total loans | $108,843,200 | 3,152 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 779 |
| Cost of funding earning assets | 0.5903% | 2,547 |
| Net interest margin | 4.4975% | 747 |
| Noninterest income to average assets | 0.5395% | 2,621 |
| Noninterest expense to average assets | 2.8207% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0007% | 377 |
| Return on assets (ROA) | 2.0476% | 339 |
| Pretax return on assets | 2.0476% | 553 |
| Return on Equity (ROE) | 20.7265% | 230 |
| Retained earnings to average equity (ytd only) | 2.8591% | 4,289 |
| Net charge-offs to loans | 0.0124% | 2,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 204.7464% | 433 |
| Efficiency ratio | 58.5040% | 4,040 |
| Assets per employee ($millions) | 3.6193% | 4,408 |
| Cash dividends to net income (ytd only)* | 86.2054% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 1,281 |
| Loan loss allowance to noncurrent loans | 115.6164% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 1,257 |
| Noncurrent loans to loans | 1.3142% | 1,270 |
| Net loans and leases to total assets | 79.5491% | 1,085 |
| Net loans and leases to deposits | 93.3348% | 1,465 |
| Net loans and leases to core deposits | 102.5957% | 1,556 |
| Total domestic deposits to total assets | 85.2298% | 2,516 |
| Equity capital to assets | 9.7256% | 3,896 |
| Core capital (leverage) ratio | 10.5124% | 3,068 |
| Tier 1 risk-based capital ratio | 13.0137% | 3,896 |
| Total risk-based capital ratio | 14.2666% | 3,807 |
| Memoranda: | ||
| Average total assets | $136,415,250 | 3,596 |
| Average earning assets | $129,876,250 | 3,530 |
| Average equity | $13,476,750 | 3,851 |
| Average total loans | $107,328,250 | 3,205 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 755 |
| Cost of funding earning assets | 0.5637% | 2,486 |
| Net interest margin | 4.4729% | 731 |
| Noninterest income to average assets | 0.5381% | 2,649 |
| Noninterest expense to average assets | 2.7653% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0303% | 356 |
| Return on assets (ROA) | 2.1008% | 309 |
| Pretax return on assets | 2.1008% | 490 |
| Return on Equity (ROE) | 21.1542% | 197 |
| Retained earnings to average equity (ytd only) | 3.3308% | 3,914 |
| Net charge-offs to loans | -0.0094% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6640% | 4,292 |
| Assets per employee ($millions) | 3.8088% | 4,197 |
| Cash dividends to net income (ytd only)* | 84.2547% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,184 |
| Loan loss allowance to noncurrent loans | 160.6604% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 1,763 |
| Noncurrent loans to loans | 0.9755% | 1,789 |
| Net loans and leases to total assets | 78.0036% | 1,315 |
| Net loans and leases to deposits | 92.8970% | 1,490 |
| Net loans and leases to core deposits | 100.3151% | 1,712 |
| Total domestic deposits to total assets | 83.9678% | 3,077 |
| Equity capital to assets | 9.8390% | 3,782 |
| Core capital (leverage) ratio | 10.5668% | 2,962 |
| Tier 1 risk-based capital ratio | 13.1651% | 3,814 |
| Total risk-based capital ratio | 14.4186% | 3,725 |
| Memoranda: | ||
| Average total assets | $136,042,330 | 3,624 |
| Average earning assets | $129,491,000 | 3,556 |
| Average equity | $13,510,330 | 3,865 |
| Average total loans | $106,072,670 | 3,238 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9826% | 721 |
| Cost of funding earning assets | 0.5543% | 2,366 |
| Net interest margin | 4.4283% | 722 |
| Noninterest income to average assets | 0.5815% | 2,355 |
| Noninterest expense to average assets | 2.7158% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0870% | 305 |
| Return on assets (ROA) | 2.0870% | 307 |
| Pretax return on assets | 2.0870% | 480 |
| Return on Equity (ROE) | 20.9172% | 198 |
| Retained earnings to average equity (ytd only) | 3.1065% | 3,961 |
| Net charge-offs to loans | 0.0611% | 1,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 44.1875% | 1,008 |
| Efficiency ratio | 56.5458% | 4,512 |
| Assets per employee ($millions) | 3.4997% | 4,662 |
| Cash dividends to net income (ytd only)* | 85.1485% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 1,149 |
| Loan loss allowance to noncurrent loans | 146.3882% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 1,731 |
| Noncurrent loans to loans | 1.0953% | 1,672 |
| Net loans and leases to total assets | 75.6248% | 1,599 |
| Net loans and leases to deposits | 90.3543% | 1,650 |
| Net loans and leases to core deposits | 96.6316% | 1,932 |
| Total domestic deposits to total assets | 83.6981% | 3,435 |
| Equity capital to assets | 9.8383% | 3,757 |
| Core capital (leverage) ratio | 10.4330% | 3,029 |
| Tier 1 risk-based capital ratio | 13.2988% | 3,785 |
| Total risk-based capital ratio | 14.5525% | 3,688 |
| Memoranda: | ||
| Average total assets | $135,504,500 | 3,665 |
| Average earning assets | $129,168,500 | 3,599 |
| Average equity | $13,520,000 | 3,899 |
| Average total loans | $104,779,000 | 3,276 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 653 |
| Cost of funding earning assets | 0.4805% | 2,498 |
| Net interest margin | 4.5155% | 594 |
| Noninterest income to average assets | 0.6767% | 2,063 |
| Noninterest expense to average assets | 2.7009% | 3,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.2648% | 173 |
| Return on assets (ROA) | 2.2625% | 175 |
| Pretax return on assets | 2.2625% | 285 |
| Return on Equity (ROE) | 22.3541% | 118 |
| Retained earnings to average equity (ytd only) | 4.0191% | 2,784 |
| Net charge-offs to loans | 0.0894% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 33.4667% | 1,435 |
| Efficiency ratio | 54.3913% | 4,920 |
| Assets per employee ($millions) | 3.8435% | 4,216 |
| Cash dividends to net income (ytd only)* | 82.0206% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 1,092 |
| Loan loss allowance to noncurrent loans | 140.4467% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 1,590 |
| Noncurrent loans to loans | 1.1552% | 1,539 |
| Net loans and leases to total assets | 76.5377% | 1,507 |
| Net loans and leases to deposits | 91.9737% | 1,526 |
| Net loans and leases to core deposits | 98.2874% | 1,845 |
| Total domestic deposits to total assets | 83.2169% | 3,491 |
| Equity capital to assets | 10.1188% | 3,577 |
| Core capital (leverage) ratio | 10.4124% | 2,952 |
| Tier 1 risk-based capital ratio | 13.6432% | 3,550 |
| Total risk-based capital ratio | 14.8979% | 3,459 |
| Memoranda: | ||
| Average total assets | $132,993,000 | 3,699 |
| Average earning assets | $126,319,800 | 3,647 |
| Average equity | $13,460,600 | 3,920 |
| Average total loans | $100,715,000 | 3,337 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 668 |
| Cost of funding earning assets | 0.4693% | 2,529 |
| Net interest margin | 4.4903% | 613 |
| Noninterest income to average assets | 0.6797% | 2,084 |
| Noninterest expense to average assets | 2.6453% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.2964% | 180 |
| Return on assets (ROA) | 2.2934% | 179 |
| Pretax return on assets | 2.2934% | 297 |
| Return on Equity (ROE) | 22.6575% | 113 |
| Retained earnings to average equity (ytd only) | 6.4069% | 2,007 |
| Net charge-offs to loans | 0.0963% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 31.7215% | 1,500 |
| Efficiency ratio | 53.5300% | 4,965 |
| Assets per employee ($millions) | 3.8267% | 4,270 |
| Cash dividends to net income (ytd only)* | 71.7229% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 1,096 |
| Loan loss allowance to noncurrent loans | 123.6482% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1103% | 1,494 |
| Noncurrent loans to loans | 1.3490% | 1,402 |
| Net loans and leases to total assets | 75.4885% | 1,685 |
| Net loans and leases to deposits | 91.3076% | 1,650 |
| Net loans and leases to core deposits | 96.7623% | 2,000 |
| Total domestic deposits to total assets | 82.6749% | 3,558 |
| Equity capital to assets | 10.5030% | 3,375 |
| Core capital (leverage) ratio | 10.6751% | 2,795 |
| Tier 1 risk-based capital ratio | 13.5292% | 3,686 |
| Total risk-based capital ratio | 14.7834% | 3,596 |
| Memoranda: | ||
| Average total assets | $132,610,750 | 3,744 |
| Average earning assets | $125,867,500 | 3,682 |
| Average equity | $13,422,750 | 3,968 |
| Average total loans | $99,729,250 | 3,384 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 694 |
| Cost of funding earning assets | 0.4618% | 2,487 |
| Net interest margin | 4.4386% | 648 |
| Noninterest income to average assets | 0.6174% | 2,380 |
| Noninterest expense to average assets | 2.6178% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2032% | 209 |
| Return on assets (ROA) | 2.2032% | 213 |
| Pretax return on assets | 2.2032% | 351 |
| Return on Equity (ROE) | 22.0472% | 137 |
| Retained earnings to average equity (ytd only) | 3.8159% | 3,420 |
| Net charge-offs to loans | 0.0142% | 2,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 402 |
| Efficiency ratio | 54.3001% | 4,993 |
| Assets per employee ($millions) | 4.1546% | 3,706 |
| Cash dividends to net income (ytd only)* | 82.6923% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 903 |
| Loan loss allowance to noncurrent loans | 113.5118% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2554% | 1,338 |
| Noncurrent loans to loans | 1.5789% | 1,180 |
| Net loans and leases to total assets | 73.4069% | 1,974 |
| Net loans and leases to deposits | 85.9653% | 2,230 |
| Net loans and leases to core deposits | 90.8450% | 2,451 |
| Total domestic deposits to total assets | 85.3913% | 2,653 |
| Equity capital to assets | 10.2491% | 3,613 |
| Core capital (leverage) ratio | 10.4197% | 3,004 |
| Tier 1 risk-based capital ratio | 13.4700% | 3,712 |
| Total risk-based capital ratio | 14.7261% | 3,629 |
| Memoranda: | ||
| Average total assets | $132,170,000 | 3,776 |
| Average earning assets | $125,175,000 | 3,720 |
| Average equity | $13,208,000 | 4,006 |
| Average total loans | $98,699,330 | 3,420 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 727 |
| Cost of funding earning assets | 0.4611% | 2,420 |
| Net interest margin | 4.3520% | 702 |
| Noninterest income to average assets | 0.4735% | 3,165 |
| Noninterest expense to average assets | 2.6165% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9821% | 312 |
| Return on assets (ROA) | 1.9821% | 326 |
| Pretax return on assets | 1.9821% | 521 |
| Return on Equity (ROE) | 20.0939% | 227 |
| Retained earnings to average equity (ytd only) | 7.7544% | 1,553 |
| Net charge-offs to loans | -0.0122% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8977% | 4,847 |
| Assets per employee ($millions) | 3.8901% | 4,200 |
| Cash dividends to net income (ytd only)* | 61.4089% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 926 |
| Loan loss allowance to noncurrent loans | 121.2593% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.1923% | 1,479 |
| Noncurrent loans to loans | 1.4996% | 1,333 |
| Net loans and leases to total assets | 73.1162% | 1,890 |
| Net loans and leases to deposits | 84.0811% | 2,275 |
| Net loans and leases to core deposits | 88.5188% | 2,493 |
| Total domestic deposits to total assets | 86.9592% | 2,235 |
| Equity capital to assets | 10.0429% | 3,706 |
| Core capital (leverage) ratio | 10.4775% | 2,933 |
| Tier 1 risk-based capital ratio | 13.2549% | 3,907 |
| Total risk-based capital ratio | 14.5103% | 3,831 |
| Memoranda: | ||
| Average total assets | $131,781,000 | 3,816 |
| Average earning assets | $124,909,000 | 3,754 |
| Average equity | $12,999,000 | 4,059 |
| Average total loans | $98,362,000 | 3,451 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 933 |
| Cost of funding earning assets | 0.4650% | 2,397 |
| Net interest margin | 4.3055% | 923 |
| Noninterest income to average assets | 0.5493% | 2,921 |
| Noninterest expense to average assets | 2.7667% | 3,132 |
| Loan and lease loss provision to assets | 0.1149% | 2,148 |
| Net operating income to assets | 1.7607% | 480 |
| Return on assets (ROA) | 1.7806% | 478 |
| Pretax return on assets | 1.7806% | 840 |
| Return on Equity (ROE) | 17.3749% | 372 |
| Retained earnings to average equity (ytd only) | 2.0709% | 4,361 |
| Net charge-offs to loans | 0.4791% | 514 |
| Credit loss provision to net charge-offs | 32.5380% | 3,564 |
| Earnings coverage of net charge-offs (x) | 5.3102% | 3,362 |
| Efficiency ratio | 59.5973% | 4,644 |
| Assets per employee ($millions) | 3.7514% | 4,394 |
| Cash dividends to net income (ytd only)* | 88.0809% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 917 |
| Loan loss allowance to noncurrent loans | 92.5945% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.5468% | 1,054 |
| Noncurrent loans to loans | 1.9658% | 920 |
| Net loans and leases to total assets | 73.4501% | 1,938 |
| Net loans and leases to deposits | 85.0044% | 2,307 |
| Net loans and leases to core deposits | 89.5509% | 2,544 |
| Total domestic deposits to total assets | 86.4075% | 2,411 |
| Equity capital to assets | 9.6839% | 4,092 |
| Core capital (leverage) ratio | 10.1355% | 3,324 |
| Tier 1 risk-based capital ratio | 13.1970% | 3,949 |
| Total risk-based capital ratio | 14.4526% | 3,869 |
| Memoranda: | ||
| Average total assets | $130,518,200 | 3,821 |
| Average earning assets | $124,074,200 | 3,749 |
| Average equity | $13,375,600 | 4,046 |
| Average total loans | $96,221,000 | 3,458 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 1,001 |
| Cost of funding earning assets | 0.4647% | 2,427 |
| Net interest margin | 4.2715% | 976 |
| Noninterest income to average assets | 0.5126% | 3,166 |
| Noninterest expense to average assets | 2.7644% | 3,125 |
| Loan and lease loss provision to assets | 0.1535% | 1,522 |
| Net operating income to assets | 1.6574% | 649 |
| Return on assets (ROA) | 1.6840% | 651 |
| Pretax return on assets | 1.6840% | 1,159 |
| Return on Equity (ROE) | 16.2074% | 523 |
| Retained earnings to average equity (ytd only) | 0.3938% | 5,251 |
| Net charge-offs to loans | 0.1867% | 1,246 |
| Credit loss provision to net charge-offs | 111.9403% | 2,199 |
| Earnings coverage of net charge-offs (x) | 13.2091% | 2,329 |
| Efficiency ratio | 60.4204% | 4,478 |
| Assets per employee ($millions) | 3.9260% | 4,087 |
| Cash dividends to net income (ytd only)* | 97.5700% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 545 |
| Loan loss allowance to noncurrent loans | 82.9412% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.9853% | 786 |
| Noncurrent loans to loans | 2.6150% | 645 |
| Net loans and leases to total assets | 71.4705% | 2,268 |
| Net loans and leases to deposits | 82.5482% | 2,664 |
| Net loans and leases to core deposits | 86.5582% | 2,902 |
| Total domestic deposits to total assets | 86.5803% | 2,096 |
| Equity capital to assets | 10.2005% | 3,914 |
| Core capital (leverage) ratio | 9.9966% | 3,573 |
| Tier 1 risk-based capital ratio | 13.1269% | 4,085 |
| Total risk-based capital ratio | 14.3874% | 3,983 |
| Memoranda: | ||
| Average total assets | $130,322,750 | 3,845 |
| Average earning assets | $123,950,500 | 3,778 |
| Average equity | $13,540,750 | 4,053 |
| Average total loans | $95,719,250 | 3,476 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 952 |
| Cost of funding earning assets | 0.4666% | 2,415 |
| Net interest margin | 4.2855% | 953 |
| Noninterest income to average assets | 0.4920% | 3,248 |
| Noninterest expense to average assets | 2.8081% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7622% | 512 |
| Return on assets (ROA) | 1.7669% | 538 |
| Pretax return on assets | 1.7669% | 943 |
| Return on Equity (ROE) | 16.8989% | 447 |
| Retained earnings to average equity (ytd only) | 5.0164% | 2,733 |
| Net charge-offs to loans | 0.2712% | 879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.8295% | 2,483 |
| Efficiency ratio | 61.4421% | 4,437 |
| Assets per employee ($millions) | 3.8413% | 4,185 |
| Cash dividends to net income (ytd only)* | 70.3152% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 675 |
| Loan loss allowance to noncurrent loans | 76.5346% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 2.0474% | 797 |
| Noncurrent loans to loans | 2.6774% | 616 |
| Net loans and leases to total assets | 72.1019% | 2,148 |
| Net loans and leases to deposits | 83.8450% | 2,487 |
| Net loans and leases to core deposits | 88.2640% | 2,702 |
| Total domestic deposits to total assets | 85.9943% | 2,423 |
| Equity capital to assets | 10.6697% | 3,441 |
| Core capital (leverage) ratio | 10.5006% | 2,978 |
| Tier 1 risk-based capital ratio | 13.6438% | 3,807 |
| Total risk-based capital ratio | 14.9026% | 3,722 |
| Memoranda: | ||
| Average total assets | $129,269,330 | 3,900 |
| Average earning assets | $123,020,330 | 3,824 |
| Average equity | $13,515,670 | 4,075 |
| Average total loans | $95,120,330 | 3,502 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 814 |
| Cost of funding earning assets | 0.4708% | 2,362 |
| Net interest margin | 4.3483% | 834 |
| Noninterest income to average assets | 0.4759% | 3,303 |
| Noninterest expense to average assets | 2.8553% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7574% | 506 |
| Return on assets (ROA) | 1.7667% | 531 |
| Pretax return on assets | 1.7667% | 908 |
| Return on Equity (ROE) | 17.0750% | 431 |
| Retained earnings to average equity (ytd only) | 5.0203% | 2,929 |
| Net charge-offs to loans | 0.3382% | 658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.0625% | 2,178 |
| Efficiency ratio | 61.9016% | 4,462 |
| Assets per employee ($millions) | 3.7883% | 4,322 |
| Cash dividends to net income (ytd only)* | 70.5986% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 637 |
| Loan loss allowance to noncurrent loans | 76.6224% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.1234% | 794 |
| Noncurrent loans to loans | 2.7930% | 624 |
| Net loans and leases to total assets | 71.6798% | 2,089 |
| Net loans and leases to deposits | 83.5210% | 2,363 |
| Net loans and leases to core deposits | 87.6273% | 2,598 |
| Total domestic deposits to total assets | 85.8224% | 2,753 |
| Equity capital to assets | 10.4882% | 3,513 |
| Core capital (leverage) ratio | 10.4029% | 3,069 |
| Tier 1 risk-based capital ratio | 13.7162% | 3,855 |
| Total risk-based capital ratio | 14.9755% | 3,790 |
| Memoranda: | ||
| Average total assets | $128,602,000 | 3,934 |
| Average earning assets | $122,347,000 | 3,863 |
| Average equity | $13,306,000 | 4,115 |
| Average total loans | $94,611,500 | 3,519 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 1,216 |
| Cost of funding earning assets | 0.4390% | 2,748 |
| Net interest margin | 4.2104% | 1,148 |
| Noninterest income to average assets | 0.5172% | 3,216 |
| Noninterest expense to average assets | 2.6623% | 3,724 |
| Loan and lease loss provision to assets | 0.1965% | 1,103 |
| Net operating income to assets | 1.6467% | 637 |
| Return on assets (ROA) | 1.6483% | 656 |
| Pretax return on assets | 1.6483% | 1,119 |
| Return on Equity (ROE) | 16.3247% | 521 |
| Retained earnings to average equity (ytd only) | 3.1061% | 3,846 |
| Net charge-offs to loans | 0.0165% | 3,951 |
| Credit loss provision to net charge-offs | 1,666.6667% | 211 |
| Earnings coverage of net charge-offs (x) | 156.3333% | 407 |
| Efficiency ratio | 59.0893% | 5,017 |
| Assets per employee ($millions) | 3.7765% | 4,333 |
| Cash dividends to net income (ytd only)* | 80.9728% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2123% | 582 |
| Loan loss allowance to noncurrent loans | 68.2602% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.4727% | 628 |
| Noncurrent loans to loans | 3.2410% | 465 |
| Net loans and leases to total assets | 72.2574% | 2,004 |
| Net loans and leases to deposits | 85.6236% | 2,172 |
| Net loans and leases to core deposits | 89.9790% | 2,406 |
| Total domestic deposits to total assets | 84.3897% | 3,335 |
| Equity capital to assets | 10.2047% | 3,743 |
| Core capital (leverage) ratio | 10.1339% | 3,341 |
| Tier 1 risk-based capital ratio | 13.3875% | 4,062 |
| Total risk-based capital ratio | 14.6474% | 4,002 |
| Memoranda: | ||
| Average total assets | $127,223,000 | 3,946 |
| Average earning assets | $120,510,400 | 3,872 |
| Average equity | $12,845,600 | 4,165 |
| Average total loans | $90,635,600 | 3,578 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 1,332 |
| Cost of funding earning assets | 0.4393% | 2,808 |
| Net interest margin | 4.1588% | 1,258 |
| Noninterest income to average assets | 0.5200% | 3,226 |
| Noninterest expense to average assets | 2.7816% | 3,267 |
| Loan and lease loss provision to assets | 0.2626% | 629 |
| Net operating income to assets | 1.4139% | 1,077 |
| Return on assets (ROA) | 1.4139% | 1,122 |
| Pretax return on assets | 1.4139% | 1,959 |
| Return on Equity (ROE) | 14.0410% | 895 |
| Retained earnings to average equity (ytd only) | 0.7302% | 5,397 |
| Net charge-offs to loans | 0.0015% | 4,134 |
| Credit loss provision to net charge-offs | 25,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,599.9624% | 44 |
| Efficiency ratio | 62.3940% | 4,510 |
| Assets per employee ($millions) | 3.6551% | 4,509 |
| Cash dividends to net income (ytd only)* | 94.7995% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 583 |
| Loan loss allowance to noncurrent loans | 66.7404% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.5530% | 666 |
| Noncurrent loans to loans | 3.4254% | 468 |
| Net loans and leases to total assets | 70.5983% | 2,300 |
| Net loans and leases to deposits | 82.2571% | 2,614 |
| Net loans and leases to core deposits | 85.5564% | 2,894 |
| Total domestic deposits to total assets | 85.8264% | 2,623 |
| Equity capital to assets | 10.0861% | 4,066 |
| Core capital (leverage) ratio | 9.8889% | 3,780 |
| Tier 1 risk-based capital ratio | 13.2418% | 4,294 |
| Total risk-based capital ratio | 14.5025% | 4,206 |
| Memoranda: | ||
| Average total assets | $126,928,250 | 3,995 |
| Average earning assets | $120,192,500 | 3,917 |
| Average equity | $12,781,250 | 4,223 |
| Average total loans | $89,574,750 | 3,634 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 1,430 |
| Cost of funding earning assets | 0.4379% | 2,869 |
| Net interest margin | 4.0999% | 1,349 |
| Noninterest income to average assets | 0.4929% | 3,426 |
| Noninterest expense to average assets | 2.7932% | 3,256 |
| Loan and lease loss provision to assets | 0.3950% | 304 |
| Net operating income to assets | 1.1801% | 1,667 |
| Return on assets (ROA) | 1.1801% | 1,735 |
| Pretax return on assets | 1.1801% | 2,856 |
| Return on Equity (ROE) | 11.7262% | 1,461 |
| Retained earnings to average equity (ytd only) | -2.0093% | 5,830 |
| Net charge-offs to loans | -0.0203% | 5,180 |
| Credit loss provision to net charge-offs | -2,777.7778% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9421% | 4,370 |
| Assets per employee ($millions) | 3.6241% | 4,587 |
| Cash dividends to net income (ytd only)* | 117.1352% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 619 |
| Loan loss allowance to noncurrent loans | 62.5516% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.7546% | 647 |
| Noncurrent loans to loans | 3.7128% | 457 |
| Net loans and leases to total assets | 70.3947% | 2,259 |
| Net loans and leases to deposits | 81.7861% | 2,585 |
| Net loans and leases to core deposits | 84.8079% | 2,904 |
| Total domestic deposits to total assets | 86.0716% | 2,663 |
| Equity capital to assets | 9.7752% | 4,310 |
| Core capital (leverage) ratio | 9.9265% | 3,707 |
| Tier 1 risk-based capital ratio | 13.3396% | 4,322 |
| Total risk-based capital ratio | 14.6008% | 4,241 |
| Memoranda: | ||
| Average total assets | $126,595,000 | 4,030 |
| Average earning assets | $119,661,670 | 3,954 |
| Average equity | $12,740,670 | 4,253 |
| Average total loans | $88,623,670 | 3,673 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 1,716 |
| Cost of funding earning assets | 0.4232% | 3,028 |
| Net interest margin | 3.9919% | 1,586 |
| Noninterest income to average assets | 0.4681% | 3,512 |
| Noninterest expense to average assets | 2.7801% | 3,314 |
| Loan and lease loss provision to assets | 0.1581% | 1,287 |
| Net operating income to assets | 1.3189% | 1,214 |
| Return on assets (ROA) | 1.3189% | 1,302 |
| Pretax return on assets | 1.3189% | 2,202 |
| Return on Equity (ROE) | 12.9187% | 1,115 |
| Retained earnings to average equity (ytd only) | 12.6399% | 488 |
| Net charge-offs to loans | -0.0367% | 5,365 |
| Credit loss provision to net charge-offs | -625.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3046% | 4,268 |
| Assets per employee ($millions) | 3.7704% | 4,390 |
| Cash dividends to net income (ytd only)* | 2.1583% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2160% | 791 |
| Loan loss allowance to noncurrent loans | 54.6799% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 3.0540% | 608 |
| Noncurrent loans to loans | 4.0526% | 429 |
| Net loans and leases to total assets | 66.1601% | 2,743 |
| Net loans and leases to deposits | 77.5240% | 2,872 |
| Net loans and leases to core deposits | 80.1451% | 3,142 |
| Total domestic deposits to total assets | 85.3415% | 3,248 |
| Equity capital to assets | 10.3907% | 3,663 |
| Core capital (leverage) ratio | 10.4713% | 3,009 |
| Tier 1 risk-based capital ratio | 14.2349% | 3,858 |
| Total risk-based capital ratio | 15.4948% | 3,779 |
| Memoranda: | ||
| Average total assets | $126,471,500 | 4,055 |
| Average earning assets | $120,043,000 | 3,972 |
| Average equity | $12,911,500 | 4,250 |
| Average total loans | $87,229,000 | 3,720 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 1,292 |
| Cost of funding earning assets | 0.4769% | 2,916 |
| Net interest margin | 4.2292% | 1,220 |
| Noninterest income to average assets | 0.2997% | 4,982 |
| Noninterest expense to average assets | 3.1200% | 2,453 |
| Loan and lease loss provision to assets | 0.3497% | 546 |
| Net operating income to assets | 0.8095% | 3,329 |
| Return on assets (ROA) | 0.7136% | 3,929 |
| Pretax return on assets | 0.7136% | 4,571 |
| Return on Equity (ROE) | 7.4881% | 3,377 |
| Retained earnings to average equity (ytd only) | 3.9271% | 3,418 |
| Net charge-offs to loans | 0.4688% | 891 |
| Credit loss provision to net charge-offs | 107.0388% | 2,235 |
| Earnings coverage of net charge-offs (x) | 3.5485% | 3,867 |
| Efficiency ratio | 72.9109% | 3,053 |
| Assets per employee ($millions) | 3.5643% | 4,787 |
| Cash dividends to net income (ytd only)* | 47.5556% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 911 |
| Loan loss allowance to noncurrent loans | 47.7704% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 3.4485% | 540 |
| Noncurrent loans to loans | 4.4480% | 381 |
| Net loans and leases to total assets | 68.8251% | 2,434 |
| Net loans and leases to deposits | 79.0848% | 2,823 |
| Net loans and leases to core deposits | 81.7777% | 3,132 |
| Total domestic deposits to total assets | 87.0270% | 2,270 |
| Equity capital to assets | 10.0224% | 4,087 |
| Core capital (leverage) ratio | 10.0358% | 3,528 |
| Tier 1 risk-based capital ratio | 14.0161% | 4,081 |
| Total risk-based capital ratio | 15.2754% | 4,001 |
| Memoranda: | ||
| Average total assets | $126,123,800 | 4,060 |
| Average earning assets | $118,675,600 | 3,996 |
| Average equity | $12,019,000 | 4,356 |
| Average total loans | $87,884,600 | 3,677 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,318 |
| Cost of funding earning assets | 0.4865% | 2,892 |
| Net interest margin | 4.2091% | 1,260 |
| Noninterest income to average assets | 0.2288% | 5,558 |
| Noninterest expense to average assets | 3.0321% | 2,699 |
| Loan and lease loss provision to assets | 0.1002% | 2,366 |
| Net operating income to assets | 1.0458% | 2,248 |
| Return on assets (ROA) | 0.9183% | 2,925 |
| Pretax return on assets | 0.9183% | 3,910 |
| Return on Equity (ROE) | 9.7605% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.5924% | 813 |
| Net charge-offs to loans | 0.3958% | 1,007 |
| Credit loss provision to net charge-offs | 36.3985% | 3,346 |
| Earnings coverage of net charge-offs (x) | 4.1648% | 3,524 |
| Efficiency ratio | 72.5713% | 3,078 |
| Assets per employee ($millions) | 3.4882% | 4,887 |
| Cash dividends to net income (ytd only)* | 1.7222% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 1,446 |
| Loan loss allowance to noncurrent loans | 41.6417% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 3.6377% | 577 |
| Noncurrent loans to loans | 4.5716% | 426 |
| Net loans and leases to total assets | 68.4866% | 2,465 |
| Net loans and leases to deposits | 78.8770% | 2,851 |
| Net loans and leases to core deposits | 81.5479% | 3,145 |
| Total domestic deposits to total assets | 86.8270% | 2,404 |
| Equity capital to assets | 10.0872% | 4,063 |
| Core capital (leverage) ratio | 10.4987% | 3,043 |
| Tier 1 risk-based capital ratio | 14.3270% | 4,008 |
| Total risk-based capital ratio | 15.5841% | 3,927 |
| Memoranda: | ||
| Average total assets | $126,467,000 | 4,077 |
| Average earning assets | $118,661,500 | 4,024 |
| Average equity | $11,898,000 | 4,406 |
| Average total loans | $87,924,750 | 3,712 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 1,320 |
| Cost of funding earning assets | 0.4946% | 2,887 |
| Net interest margin | 4.1887% | 1,276 |
| Noninterest income to average assets | 0.4639% | 3,760 |
| Noninterest expense to average assets | 3.0939% | 2,526 |
| Loan and lease loss provision to assets | 0.1499% | 1,645 |
| Net operating income to assets | 1.1218% | 1,851 |
| Return on assets (ROA) | 0.9687% | 2,548 |
| Pretax return on assets | 0.9687% | 3,615 |
| Return on Equity (ROE) | 10.5483% | 1,919 |
| Retained earnings to average equity (ytd only) | 10.2906% | 659 |
| Net charge-offs to loans | 0.5954% | 676 |
| Credit loss provision to net charge-offs | 36.2595% | 2,973 |
| Earnings coverage of net charge-offs (x) | 3.0763% | 3,394 |
| Efficiency ratio | 70.8710% | 3,516 |
| Assets per employee ($millions) | 3.3976% | 5,061 |
| Cash dividends to net income (ytd only)* | 2.4430% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 1,562 |
| Loan loss allowance to noncurrent loans | 34.9832% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 4.6885% | 404 |
| Noncurrent loans to loans | 5.4595% | 334 |
| Net loans and leases to total assets | 68.1441% | 2,390 |
| Net loans and leases to deposits | 78.2931% | 2,758 |
| Net loans and leases to core deposits | 80.9315% | 3,106 |
| Total domestic deposits to total assets | 87.0371% | 2,435 |
| Equity capital to assets | 9.8454% | 4,297 |
| Core capital (leverage) ratio | 10.2109% | 3,323 |
| Tier 1 risk-based capital ratio | 13.9938% | 4,261 |
| Total risk-based capital ratio | 15.2505% | 4,198 |
| Memoranda: | ||
| Average total assets | $126,764,330 | 4,097 |
| Average earning assets | $118,078,330 | 4,060 |
| Average equity | $11,641,670 | 4,463 |
| Average total loans | $88,009,330 | 3,712 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 1,310 |
| Cost of funding earning assets | 0.5141% | 2,768 |
| Net interest margin | 4.1629% | 1,312 |
| Noninterest income to average assets | 0.4022% | 4,166 |
| Noninterest expense to average assets | 3.0450% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2507% | 1,344 |
| Return on assets (ROA) | 1.2507% | 1,402 |
| Pretax return on assets | 1.2507% | 2,282 |
| Return on Equity (ROE) | 14.1210% | 927 |
| Retained earnings to average equity (ytd only) | 14.1210% | 387 |
| Net charge-offs to loans | 0.4437% | 817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.0612% | 2,575 |
| Efficiency ratio | 70.8851% | 3,672 |
| Assets per employee ($millions) | 3.5442% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 1,518 |
| Loan loss allowance to noncurrent loans | 28.3314% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 5.5050% | 345 |
| Noncurrent loans to loans | 7.0549% | 218 |
| Net loans and leases to total assets | 66.7495% | 2,442 |
| Net loans and leases to deposits | 74.7833% | 2,970 |
| Net loans and leases to core deposits | 77.5557% | 3,242 |
| Total domestic deposits to total assets | 89.2572% | 1,503 |
| Equity capital to assets | 9.1816% | 4,889 |
| Core capital (leverage) ratio | 10.0071% | 3,566 |
| Tier 1 risk-based capital ratio | 13.8432% | 4,441 |
| Total risk-based capital ratio | 15.1007% | 4,385 |
| Memoranda: | ||
| Average total assets | $127,290,000 | 4,121 |
| Average earning assets | $119,052,500 | 4,062 |
| Average equity | $11,274,000 | 4,554 |
| Average total loans | $88,347,000 | 3,742 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 1,171 |
| Cost of funding earning assets | 0.6448% | 2,252 |
| Net interest margin | 4.2182% | 1,303 |
| Noninterest income to average assets | 0.4395% | 4,166 |
| Noninterest expense to average assets | 2.8595% | 3,495 |
| Loan and lease loss provision to assets | 1.4352% | 100 |
| Net operating income to assets | 0.1042% | 6,039 |
| Return on assets (ROA) | 0.1042% | 6,089 |
| Pretax return on assets | 0.1042% | 6,085 |
| Return on Equity (ROE) | 1.1975% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.0456% | 5,371 |
| Net charge-offs to loans | 1.8231% | 220 |
| Credit loss provision to net charge-offs | 109.2362% | 2,205 |
| Earnings coverage of net charge-offs (x) | 1.1717% | 4,677 |
| Efficiency ratio | 65.0044% | 4,730 |
| Assets per employee ($millions) | 3.2561% | 5,375 |
| Cash dividends to net income (ytd only)* | 12.6866% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0437% | 1,455 |
| Loan loss allowance to noncurrent loans | 29.7214% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 5.3454% | 417 |
| Noncurrent loans to loans | 6.8760% | 249 |
| Net loans and leases to total assets | 69.2624% | 2,130 |
| Net loans and leases to deposits | 77.2558% | 2,824 |
| Net loans and leases to core deposits | 79.9366% | 3,144 |
| Total domestic deposits to total assets | 89.6534% | 1,246 |
| Equity capital to assets | 8.5307% | 5,549 |
| Core capital (leverage) ratio | 9.5550% | 4,184 |
| Tier 1 risk-based capital ratio | 13.0724% | 4,927 |
| Total risk-based capital ratio | 14.3313% | 4,876 |
| Memoranda: | ||
| Average total assets | $128,553,400 | 4,097 |
| Average earning assets | $120,666,800 | 4,032 |
| Average equity | $11,190,200 | 4,600 |
| Average total loans | $92,642,000 | 3,628 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 1,159 |
| Cost of funding earning assets | 0.6667% | 2,209 |
| Net interest margin | 4.2160% | 1,286 |
| Noninterest income to average assets | 0.4332% | 4,279 |
| Noninterest expense to average assets | 2.8642% | 3,426 |
| Loan and lease loss provision to assets | 1.6958% | 60 |
| Net operating income to assets | -0.1706% | 6,448 |
| Return on assets (ROA) | -0.1706% | 6,472 |
| Pretax return on assets | -0.1706% | 6,456 |
| Return on Equity (ROE) | -1.9504% | 6,480 |
| Retained earnings to average equity (ytd only) | -2.0095% | 6,270 |
| Net charge-offs to loans | 2.3580% | 140 |
| Credit loss provision to net charge-offs | 99.3337% | 2,402 |
| Earnings coverage of net charge-offs (x) | 0.8934% | 4,552 |
| Efficiency ratio | 65.2532% | 4,612 |
| Assets per employee ($millions) | 3.3274% | 5,234 |
| Cash dividends to net income (ytd only)* | -3.0320% | 6,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 2,188 |
| Loan loss allowance to noncurrent loans | 24.0484% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 5.9600% | 411 |
| Noncurrent loans to loans | 7.6351% | 245 |
| Net loans and leases to total assets | 70.5266% | 1,863 |
| Net loans and leases to deposits | 78.8784% | 2,543 |
| Net loans and leases to core deposits | 81.2212% | 2,973 |
| Total domestic deposits to total assets | 89.4118% | 1,352 |
| Equity capital to assets | 8.6205% | 5,602 |
| Core capital (leverage) ratio | 9.4400% | 4,490 |
| Tier 1 risk-based capital ratio | 12.6059% | 5,384 |
| Total risk-based capital ratio | 13.8625% | 5,327 |
| Memoranda: | ||
| Average total assets | $128,944,750 | 4,140 |
| Average earning assets | $120,997,750 | 4,074 |
| Average equity | $11,279,500 | 4,630 |
| Average total loans | $93,355,000 | 3,636 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 1,144 |
| Cost of funding earning assets | 0.6891% | 2,150 |
| Net interest margin | 4.1904% | 1,301 |
| Noninterest income to average assets | 0.5193% | 3,701 |
| Noninterest expense to average assets | 2.8125% | 3,630 |
| Loan and lease loss provision to assets | 1.9109% | 55 |
| Net operating income to assets | -0.2774% | 6,540 |
| Return on assets (ROA) | -0.2774% | 6,567 |
| Pretax return on assets | -0.2774% | 6,539 |
| Return on Equity (ROE) | -3.1562% | 6,589 |
| Retained earnings to average equity (ytd only) | -3.2439% | 6,337 |
| Net charge-offs to loans | 2.5310% | 147 |
| Credit loss provision to net charge-offs | 104.0268% | 2,124 |
| Earnings coverage of net charge-offs (x) | 0.8893% | 4,230 |
| Efficiency ratio | 63.2582% | 4,969 |
| Assets per employee ($millions) | 3.2717% | 5,331 |
| Cash dividends to net income (ytd only)* | -2.7778% | 6,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 2,084 |
| Loan loss allowance to noncurrent loans | 30.6586% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 5.1866% | 580 |
| Noncurrent loans to loans | 6.2375% | 429 |
| Net loans and leases to total assets | 69.4233% | 1,992 |
| Net loans and leases to deposits | 77.6613% | 2,610 |
| Net loans and leases to core deposits | 79.9448% | 3,031 |
| Total domestic deposits to total assets | 89.3924% | 1,384 |
| Equity capital to assets | 8.6350% | 5,632 |
| Core capital (leverage) ratio | 9.2858% | 4,564 |
| Tier 1 risk-based capital ratio | 12.6181% | 5,416 |
| Total risk-based capital ratio | 13.8754% | 5,351 |
| Memoranda: | ||
| Average total assets | $129,778,670 | 4,147 |
| Average earning assets | $121,612,330 | 4,088 |
| Average equity | $11,406,000 | 4,642 |
| Average total loans | $94,192,000 | 3,629 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 1,083 |
| Cost of funding earning assets | 0.7196% | 2,063 |
| Net interest margin | 4.1811% | 1,238 |
| Noninterest income to average assets | 0.5104% | 3,706 |
| Noninterest expense to average assets | 2.7569% | 3,845 |
| Loan and lease loss provision to assets | 2.7203% | 34 |
| Net operating income to assets | -1.0423% | 6,818 |
| Return on assets (ROA) | -1.0423% | 6,829 |
| Pretax return on assets | -1.0423% | 6,811 |
| Return on Equity (ROE) | -11.7586% | 6,832 |
| Retained earnings to average equity (ytd only) | -11.7586% | 6,674 |
| Net charge-offs to loans | 3.7864% | 75 |
| Credit loss provision to net charge-offs | 97.8022% | 1,906 |
| Earnings coverage of net charge-offs (x) | 0.6033% | 3,621 |
| Efficiency ratio | 62.1640% | 5,283 |
| Assets per employee ($millions) | 3.1532% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7751% | 2,712 |
| Loan loss allowance to noncurrent loans | 27.0592% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 5.1934% | 680 |
| Noncurrent loans to loans | 6.5600% | 486 |
| Net loans and leases to total assets | 71.0094% | 1,520 |
| Net loans and leases to deposits | 79.6891% | 2,117 |
| Net loans and leases to core deposits | 82.5764% | 2,505 |
| Total domestic deposits to total assets | 89.1081% | 1,623 |
| Equity capital to assets | 8.8560% | 5,658 |
| Core capital (leverage) ratio | 8.5854% | 5,463 |
| Tier 1 risk-based capital ratio | 11.5148% | 6,182 |
| Total risk-based capital ratio | 12.7706% | 6,145 |
| Memoranda: | ||
| Average total assets | $130,869,500 | 4,166 |
| Average earning assets | $122,839,000 | 4,095 |
| Average equity | $11,600,000 | 4,654 |
| Average total loans | $96,133,500 | 3,610 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3263% | 882 |
| Cost of funding earning assets | 0.8688% | 2,150 |
| Net interest margin | 4.4576% | 1,027 |
| Noninterest income to average assets | 0.4392% | 4,327 |
| Noninterest expense to average assets | 2.8858% | 3,694 |
| Loan and lease loss provision to assets | 1.7530% | 149 |
| Net operating income to assets | -0.0462% | 6,235 |
| Return on assets (ROA) | 0.0659% | 6,211 |
| Pretax return on assets | 0.0659% | 6,203 |
| Return on Equity (ROE) | 0.7056% | 6,186 |
| Retained earnings to average equity (ytd only) | -5.8880% | 6,477 |
| Net charge-offs to loans | 2.4296% | 259 |
| Credit loss provision to net charge-offs | 94.9159% | 3,278 |
| Earnings coverage of net charge-offs (x) | 0.9241% | 5,005 |
| Efficiency ratio | 62.8359% | 5,109 |
| Assets per employee ($millions) | 3.2307% | 5,558 |
| Cash dividends to net income (ytd only)* | 934.4828% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 2,937 |
| Loan loss allowance to noncurrent loans | 24.0097% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 5.7052% | 642 |
| Noncurrent loans to loans | 7.0774% | 449 |
| Net loans and leases to total assets | 73.3268% | 1,283 |
| Net loans and leases to deposits | 82.4502% | 1,942 |
| Net loans and leases to core deposits | 87.2943% | 2,163 |
| Total domestic deposits to total assets | 88.9347% | 1,608 |
| Equity capital to assets | 8.8714% | 5,660 |
| Core capital (leverage) ratio | 8.7937% | 5,188 |
| Tier 1 risk-based capital ratio | 11.3654% | 6,180 |
| Total risk-based capital ratio | 12.6203% | 6,153 |
| Memoranda: | ||
| Average total assets | $132,060,600 | 4,103 |
| Average earning assets | $123,049,000 | 4,039 |
| Average equity | $12,330,200 | 4,492 |
| Average total loans | $100,388,400 | 3,514 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 798 |
| Cost of funding earning assets | 0.8859% | 2,266 |
| Net interest margin | 4.5362% | 928 |
| Noninterest income to average assets | 0.4001% | 4,637 |
| Noninterest expense to average assets | 2.8988% | 3,602 |
| Loan and lease loss provision to assets | 2.0309% | 113 |
| Net operating income to assets | -0.3132% | 6,583 |
| Return on assets (ROA) | -0.1637% | 6,542 |
| Pretax return on assets | -0.1637% | 6,524 |
| Return on Equity (ROE) | -1.7314% | 6,550 |
| Retained earnings to average equity (ytd only) | -10.4206% | 6,829 |
| Net charge-offs to loans | 1.8283% | 424 |
| Credit loss provision to net charge-offs | 145.4414% | 1,964 |
| Earnings coverage of net charge-offs (x) | 1.2301% | 4,675 |
| Efficiency ratio | 62.7927% | 5,013 |
| Assets per employee ($millions) | 3.1151% | 5,813 |
| Cash dividends to net income (ytd only)* | -501.8612% | 7,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4012% | 1,358 |
| Loan loss allowance to noncurrent loans | 38.4166% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 5.1034% | 865 |
| Noncurrent loans to loans | 6.2504% | 631 |
| Net loans and leases to total assets | 75.5234% | 1,042 |
| Net loans and leases to deposits | 85.0983% | 1,713 |
| Net loans and leases to core deposits | 88.1525% | 2,200 |
| Total domestic deposits to total assets | 88.7484% | 1,566 |
| Equity capital to assets | 8.8730% | 5,954 |
| Core capital (leverage) ratio | 8.6459% | 5,559 |
| Tier 1 risk-based capital ratio | 10.9712% | 6,489 |
| Total risk-based capital ratio | 12.2343% | 6,469 |
| Memoranda: | ||
| Average total assets | $131,961,000 | 4,134 |
| Average earning assets | $122,654,500 | 4,087 |
| Average equity | $12,475,000 | 4,509 |
| Average total loans | $100,783,750 | 3,540 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 797 |
| Cost of funding earning assets | 0.9011% | 2,388 |
| Net interest margin | 4.5478% | 910 |
| Noninterest income to average assets | 0.4594% | 4,212 |
| Noninterest expense to average assets | 2.8276% | 3,913 |
| Loan and lease loss provision to assets | 0.3778% | 1,738 |
| Net operating income to assets | 1.4947% | 1,001 |
| Return on assets (ROA) | 1.5838% | 965 |
| Pretax return on assets | 1.5838% | 1,590 |
| Return on Equity (ROE) | 16.4216% | 707 |
| Retained earnings to average equity (ytd only) | 3.6823% | 4,145 |
| Net charge-offs to loans | 0.3220% | 2,745 |
| Credit loss provision to net charge-offs | 154.3210% | 1,797 |
| Earnings coverage of net charge-offs (x) | 7.6481% | 2,445 |
| Efficiency ratio | 60.1608% | 5,548 |
| Assets per employee ($millions) | 3.1912% | 5,661 |
| Cash dividends to net income (ytd only)* | 77.5763% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 2,591 |
| Loan loss allowance to noncurrent loans | 47.8855% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 3.3186% | 1,628 |
| Noncurrent loans to loans | 3.9435% | 1,409 |
| Net loans and leases to total assets | 73.3032% | 1,351 |
| Net loans and leases to deposits | 84.5808% | 1,779 |
| Net loans and leases to core deposits | 87.4171% | 2,264 |
| Total domestic deposits to total assets | 86.6665% | 2,973 |
| Equity capital to assets | 9.6560% | 4,816 |
| Core capital (leverage) ratio | 9.5035% | 4,138 |
| Tier 1 risk-based capital ratio | 12.0821% | 5,873 |
| Total risk-based capital ratio | 13.3392% | 5,853 |
| Memoranda: | ||
| Average total assets | $132,336,330 | 4,154 |
| Average earning assets | $123,400,330 | 4,090 |
| Average equity | $12,763,670 | 4,441 |
| Average total loans | $100,631,000 | 3,552 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6149% | 607 |
| Cost of funding earning assets | 0.9196% | 2,524 |
| Net interest margin | 4.6954% | 687 |
| Noninterest income to average assets | 0.5537% | 3,541 |
| Noninterest expense to average assets | 2.7622% | 4,198 |
| Loan and lease loss provision to assets | 0.1825% | 3,145 |
| Net operating income to assets | 2.0047% | 414 |
| Return on assets (ROA) | 2.0047% | 475 |
| Pretax return on assets | 2.0047% | 730 |
| Return on Equity (ROE) | 20.7977% | 329 |
| Retained earnings to average equity (ytd only) | 8.1423% | 1,927 |
| Net charge-offs to loans | 0.0476% | 4,039 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 59.9167% | 552 |
| Efficiency ratio | 55.8082% | 6,143 |
| Assets per employee ($millions) | 3.3082% | 5,546 |
| Cash dividends to net income (ytd only)* | 60.8498% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,863 |
| Loan loss allowance to noncurrent loans | 47.8418% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 3.3311% | 1,732 |
| Noncurrent loans to loans | 3.8528% | 1,604 |
| Net loans and leases to total assets | 74.4878% | 988 |
| Net loans and leases to deposits | 84.5817% | 1,586 |
| Net loans and leases to core deposits | 88.7769% | 1,974 |
| Total domestic deposits to total assets | 88.0661% | 2,271 |
| Equity capital to assets | 9.6970% | 4,524 |
| Core capital (leverage) ratio | 9.6527% | 3,842 |
| Tier 1 risk-based capital ratio | 12.2877% | 5,769 |
| Total risk-based capital ratio | 13.5446% | 5,725 |
| Memoranda: | ||
| Average total assets | $131,489,000 | 4,202 |
| Average earning assets | $123,100,000 | 4,137 |
| Average equity | $12,674,500 | 4,468 |
| Average total loans | $100,876,500 | 3,574 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7460% | 709 |
| Cost of funding earning assets | 1.2328% | 1,827 |
| Net interest margin | 4.5132% | 1,105 |
| Noninterest income to average assets | 0.4880% | 3,939 |
| Noninterest expense to average assets | 2.7898% | 4,384 |
| Loan and lease loss provision to assets | 0.6643% | 1,539 |
| Net operating income to assets | 1.2583% | 1,356 |
| Return on assets (ROA) | 1.4626% | 975 |
| Pretax return on assets | 1.4626% | 1,584 |
| Return on Equity (ROE) | 16.1298% | 583 |
| Retained earnings to average equity (ytd only) | 4.1973% | 3,193 |
| Net charge-offs to loans | 0.2620% | 4,133 |
| Credit loss provision to net charge-offs | 331.3208% | 704 |
| Earnings coverage of net charge-offs (x) | 9.5887% | 1,958 |
| Efficiency ratio | 59.2004% | 5,866 |
| Assets per employee ($millions) | 3.4381% | 5,160 |
| Cash dividends to net income (ytd only)* | 73.9783% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 2,936 |
| Loan loss allowance to noncurrent loans | 45.0412% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 3.4765% | 1,707 |
| Noncurrent loans to loans | 3.9503% | 1,583 |
| Net loans and leases to total assets | 76.1812% | 925 |
| Net loans and leases to deposits | 86.9751% | 1,531 |
| Net loans and leases to core deposits | 90.6202% | 2,034 |
| Total domestic deposits to total assets | 87.5896% | 2,413 |
| Equity capital to assets | 9.5806% | 4,770 |
| Core capital (leverage) ratio | 9.3972% | 4,186 |
| Tier 1 risk-based capital ratio | 11.7718% | 5,976 |
| Total risk-based capital ratio | 13.0277% | 5,961 |
| Memoranda: | ||
| Average total assets | $132,160,800 | 4,125 |
| Average earning assets | $123,703,400 | 4,060 |
| Average equity | $11,984,000 | 4,556 |
| Average total loans | $101,154,400 | 3,590 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6821% | 877 |
| Cost of funding earning assets | 1.2961% | 1,728 |
| Net interest margin | 4.3860% | 1,445 |
| Noninterest income to average assets | 0.4758% | 4,076 |
| Noninterest expense to average assets | 2.7443% | 4,556 |
| Loan and lease loss provision to assets | 0.8832% | 1,029 |
| Net operating income to assets | 0.9436% | 2,557 |
| Return on assets (ROA) | 1.0321% | 2,364 |
| Pretax return on assets | 1.0321% | 3,277 |
| Return on Equity (ROE) | 11.5433% | 1,670 |
| Retained earnings to average equity (ytd only) | 2.3964% | 4,924 |
| Net charge-offs to loans | 0.3086% | 3,551 |
| Credit loss provision to net charge-offs | 375.2137% | 755 |
| Earnings coverage of net charge-offs (x) | 7.7607% | 2,301 |
| Efficiency ratio | 60.0352% | 5,716 |
| Assets per employee ($millions) | 3.4148% | 5,213 |
| Cash dividends to net income (ytd only)* | 79.2393% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8219% | 2,859 |
| Loan loss allowance to noncurrent loans | 128.7018% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 1.5153% | 3,831 |
| Noncurrent loans to loans | 1.4156% | 4,169 |
| Net loans and leases to total assets | 74.2116% | 1,304 |
| Net loans and leases to deposits | 84.6360% | 1,895 |
| Net loans and leases to core deposits | 88.0989% | 2,473 |
| Total domestic deposits to total assets | 87.6832% | 2,246 |
| Equity capital to assets | 9.3425% | 5,312 |
| Core capital (leverage) ratio | 9.0800% | 4,811 |
| Tier 1 risk-based capital ratio | 11.5855% | 6,183 |
| Total risk-based capital ratio | 12.8416% | 6,170 |
| Memoranda: | ||
| Average total assets | $132,538,750 | 4,140 |
| Average earning assets | $123,753,500 | 4,087 |
| Average equity | $11,850,750 | 4,603 |
| Average total loans | $101,109,750 | 3,622 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 875 |
| Cost of funding earning assets | 1.3296% | 1,759 |
| Net interest margin | 4.3682% | 1,469 |
| Noninterest income to average assets | 0.4141% | 4,559 |
| Noninterest expense to average assets | 2.7598% | 4,593 |
| Loan and lease loss provision to assets | 1.3270% | 556 |
| Net operating income to assets | 0.3990% | 4,950 |
| Return on assets (ROA) | 0.3990% | 5,104 |
| Pretax return on assets | 0.3990% | 5,399 |
| Return on Equity (ROE) | 4.5308% | 4,689 |
| Retained earnings to average equity (ytd only) | -9.4219% | 6,853 |
| Net charge-offs to loans | 0.3852% | 3,018 |
| Credit loss provision to net charge-offs | 450.2564% | 675 |
| Earnings coverage of net charge-offs (x) | 5.8564% | 2,518 |
| Efficiency ratio | 61.5229% | 5,653 |
| Assets per employee ($millions) | 3.4167% | 5,156 |
| Cash dividends to net income (ytd only)* | 307.9545% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 2,729 |
| Loan loss allowance to noncurrent loans | 89.7460% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.1658% | 3,031 |
| Noncurrent loans to loans | 2.0945% | 3,358 |
| Net loans and leases to total assets | 73.3721% | 1,522 |
| Net loans and leases to deposits | 83.1694% | 2,239 |
| Net loans and leases to core deposits | 86.5450% | 2,819 |
| Total domestic deposits to total assets | 88.2200% | 2,002 |
| Equity capital to assets | 8.7054% | 5,938 |
| Core capital (leverage) ratio | 8.4768% | 5,589 |
| Tier 1 risk-based capital ratio | 10.9451% | 6,576 |
| Total risk-based capital ratio | 12.2021% | 6,537 |
| Memoranda: | ||
| Average total assets | $132,326,330 | 4,176 |
| Average earning assets | $123,345,670 | 4,123 |
| Average equity | $11,653,670 | 4,654 |
| Average total loans | $101,257,670 | 3,657 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8148% | 721 |
| Cost of funding earning assets | 1.3379% | 1,961 |
| Net interest margin | 4.4769% | 1,118 |
| Noninterest income to average assets | 0.4065% | 4,659 |
| Noninterest expense to average assets | 2.7544% | 4,630 |
| Loan and lease loss provision to assets | 0.3337% | 2,560 |
| Net operating income to assets | 1.5106% | 853 |
| Return on assets (ROA) | 1.5106% | 897 |
| Pretax return on assets | 1.5106% | 1,416 |
| Return on Equity (ROE) | 17.0541% | 562 |
| Retained earnings to average equity (ytd only) | 3.3218% | 4,188 |
| Net charge-offs to loans | 0.5447% | 2,133 |
| Credit loss provision to net charge-offs | 79.1367% | 3,178 |
| Earnings coverage of net charge-offs (x) | 4.3741% | 2,494 |
| Efficiency ratio | 59.8945% | 5,997 |
| Assets per employee ($millions) | 3.3336% | 5,405 |
| Cash dividends to net income (ytd only)* | 80.5221% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,876 |
| Loan loss allowance to noncurrent loans | 67.4797% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8906% | 3,448 |
| Noncurrent loans to loans | 1.6940% | 3,948 |
| Net loans and leases to total assets | 75.3602% | 1,129 |
| Net loans and leases to deposits | 85.5990% | 1,791 |
| Net loans and leases to core deposits | 88.6037% | 2,529 |
| Total domestic deposits to total assets | 88.0385% | 2,352 |
| Equity capital to assets | 8.7870% | 5,516 |
| Core capital (leverage) ratio | 9.0501% | 4,530 |
| Tier 1 risk-based capital ratio | 11.2268% | 6,329 |
| Total risk-based capital ratio | 12.3186% | 6,437 |
| Memoranda: | ||
| Average total assets | $131,864,000 | 4,217 |
| Average earning assets | $123,477,500 | 4,150 |
| Average equity | $11,680,500 | 4,626 |
| Average total loans | $102,065,500 | 3,670 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0931% | 709 |
| Cost of funding earning assets | 1.5531% | 2,340 |
| Net interest margin | 4.5400% | 1,151 |
| Noninterest income to average assets | 0.5360% | 3,914 |
| Noninterest expense to average assets | 2.8347% | 4,458 |
| Loan and lease loss provision to assets | 0.4697% | 3,315 |
| Net operating income to assets | 1.4959% | 770 |
| Return on assets (ROA) | 1.5788% | 708 |
| Pretax return on assets | 1.5788% | 1,178 |
| Return on Equity (ROE) | 16.8350% | 496 |
| Retained earnings to average equity (ytd only) | 3.1481% | 3,664 |
| Net charge-offs to loans | 0.6354% | 3,118 |
| Credit loss provision to net charge-offs | 94.1456% | 4,935 |
| Earnings coverage of net charge-offs (x) | 3.9399% | 3,128 |
| Efficiency ratio | 59.0528% | 6,190 |
| Assets per employee ($millions) | 3.2596% | 5,516 |
| Cash dividends to net income (ytd only)* | 81.3000% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 5,684 |
| Loan loss allowance to noncurrent loans | 80.1347% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.6037% | 3,905 |
| Noncurrent loans to loans | 1.4491% | 4,308 |
| Net loans and leases to total assets | 77.6865% | 995 |
| Net loans and leases to deposits | 88.9898% | 1,649 |
| Net loans and leases to core deposits | 92.2605% | 2,473 |
| Total domestic deposits to total assets | 87.2982% | 2,672 |
| Equity capital to assets | 8.9306% | 5,236 |
| Core capital (leverage) ratio | 9.1056% | 4,352 |
| Tier 1 risk-based capital ratio | 11.2090% | 6,172 |
| Total risk-based capital ratio | 12.3345% | 6,237 |
| Memoranda: | ||
| Average total assets | $126,680,800 | 4,339 |
| Average earning assets | $118,988,000 | 4,255 |
| Average equity | $11,880,000 | 4,643 |
| Average total loans | $99,464,000 | 3,810 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0832% | 788 |
| Cost of funding earning assets | 1.5925% | 2,430 |
| Net interest margin | 4.4907% | 1,278 |
| Noninterest income to average assets | 0.5344% | 3,913 |
| Noninterest expense to average assets | 2.8139% | 4,423 |
| Loan and lease loss provision to assets | 0.3499% | 3,815 |
| Net operating income to assets | 1.5893% | 762 |
| Return on assets (ROA) | 1.5787% | 848 |
| Pretax return on assets | 1.5787% | 1,397 |
| Return on Equity (ROE) | 16.6285% | 634 |
| Retained earnings to average equity (ytd only) | 3.1269% | 4,245 |
| Net charge-offs to loans | 0.5389% | 3,145 |
| Credit loss provision to net charge-offs | 82.7068% | 5,050 |
| Earnings coverage of net charge-offs (x) | 4.5839% | 2,988 |
| Efficiency ratio | 59.2014% | 6,082 |
| Assets per employee ($millions) | 3.1895% | 5,698 |
| Cash dividends to net income (ytd only)* | 81.1956% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,771 |
| Loan loss allowance to noncurrent loans | 50.4575% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.2480% | 3,139 |
| Noncurrent loans to loans | 2.2533% | 3,385 |
| Net loans and leases to total assets | 78.9254% | 893 |
| Net loans and leases to deposits | 91.3282% | 1,533 |
| Net loans and leases to core deposits | 94.5607% | 2,444 |
| Total domestic deposits to total assets | 86.4195% | 2,840 |
| Equity capital to assets | 9.5720% | 4,740 |
| Core capital (leverage) ratio | 9.2469% | 4,282 |
| Tier 1 risk-based capital ratio | 11.2384% | 6,149 |
| Total risk-based capital ratio | 12.3454% | 6,283 |
| Memoranda: | ||
| Average total assets | $125,755,250 | 4,424 |
| Average earning assets | $118,137,000 | 4,333 |
| Average equity | $11,939,000 | 4,694 |
| Average total loans | $98,710,000 | 3,899 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0401% | 857 |
| Cost of funding earning assets | 1.6238% | 2,519 |
| Net interest margin | 4.4162% | 1,407 |
| Noninterest income to average assets | 0.5370% | 3,819 |
| Noninterest expense to average assets | 2.7919% | 4,518 |
| Loan and lease loss provision to assets | 0.2877% | 4,093 |
| Net operating income to assets | 1.6125% | 713 |
| Return on assets (ROA) | 1.5965% | 787 |
| Pretax return on assets | 1.5965% | 1,317 |
| Return on Equity (ROE) | 16.8636% | 588 |
| Retained earnings to average equity (ytd only) | 3.2242% | 4,055 |
| Net charge-offs to loans | 0.2785% | 3,945 |
| Credit loss provision to net charge-offs | 132.3529% | 3,043 |
| Earnings coverage of net charge-offs (x) | 8.7426% | 2,106 |
| Efficiency ratio | 59.5027% | 6,145 |
| Assets per employee ($millions) | 3.0906% | 5,944 |
| Cash dividends to net income (ytd only)* | 80.8809% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 5,118 |
| Loan loss allowance to noncurrent loans | 51.8564% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.2681% | 3,171 |
| Noncurrent loans to loans | 2.4358% | 3,212 |
| Net loans and leases to total assets | 78.4087% | 1,041 |
| Net loans and leases to deposits | 90.7599% | 1,734 |
| Net loans and leases to core deposits | 93.7656% | 2,751 |
| Total domestic deposits to total assets | 86.3913% | 2,875 |
| Equity capital to assets | 9.4339% | 4,813 |
| Core capital (leverage) ratio | 9.2948% | 4,130 |
| Tier 1 risk-based capital ratio | 11.2559% | 5,990 |
| Total risk-based capital ratio | 12.4820% | 5,995 |
| Memoranda: | ||
| Average total assets | $125,147,000 | 4,470 |
| Average earning assets | $117,747,330 | 4,373 |
| Average equity | $11,848,000 | 4,720 |
| Average total loans | $97,663,000 | 3,973 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0687% | 838 |
| Cost of funding earning assets | 1.6744% | 2,516 |
| Net interest margin | 4.3943% | 1,407 |
| Noninterest income to average assets | 0.4985% | 4,056 |
| Noninterest expense to average assets | 2.7500% | 4,693 |
| Loan and lease loss provision to assets | 0.4503% | 2,715 |
| Net operating income to assets | 1.4345% | 1,011 |
| Return on assets (ROA) | 1.3927% | 1,167 |
| Pretax return on assets | 1.3927% | 1,795 |
| Return on Equity (ROE) | 14.6842% | 928 |
| Retained earnings to average equity (ytd only) | 1.0852% | 5,383 |
| Net charge-offs to loans | 0.5490% | 2,432 |
| Credit loss provision to net charge-offs | 106.0606% | 3,237 |
| Earnings coverage of net charge-offs (x) | 4.4394% | 2,624 |
| Efficiency ratio | 59.3338% | 6,286 |
| Assets per employee ($millions) | 3.1237% | 5,940 |
| Cash dividends to net income (ytd only)* | 92.6097% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 5,062 |
| Loan loss allowance to noncurrent loans | 55.0847% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 2.0192% | 3,479 |
| Noncurrent loans to loans | 2.3162% | 3,369 |
| Net loans and leases to total assets | 76.4814% | 1,438 |
| Net loans and leases to deposits | 88.7760% | 2,080 |
| Net loans and leases to core deposits | 92.5406% | 3,042 |
| Total domestic deposits to total assets | 86.1510% | 3,067 |
| Equity capital to assets | 9.4839% | 4,555 |
| Core capital (leverage) ratio | 9.2980% | 4,064 |
| Tier 1 risk-based capital ratio | 11.3282% | 5,831 |
| Total risk-based capital ratio | 12.5439% | 5,827 |
| Memoranda: | ||
| Average total assets | $124,364,000 | 4,533 |
| Average earning assets | $117,060,000 | 4,445 |
| Average equity | $11,795,000 | 4,767 |
| Average total loans | $96,182,000 | 4,070 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3792% | 872 |
| Cost of funding earning assets | 2.0454% | 2,739 |
| Net interest margin | 4.3338% | 1,621 |
| Noninterest income to average assets | 0.7423% | 2,727 |
| Noninterest expense to average assets | 3.0452% | 3,962 |
| Loan and lease loss provision to assets | 0.5084% | 3,833 |
| Net operating income to assets | 1.2416% | 1,153 |
| Return on assets (ROA) | 1.2870% | 1,109 |
| Pretax return on assets | 1.2870% | 1,730 |
| Return on Equity (ROE) | 13.1308% | 933 |
| Retained earnings to average equity (ytd only) | -0.4891% | 5,103 |
| Net charge-offs to loans | 0.4998% | 3,774 |
| Credit loss provision to net charge-offs | 131.6916% | 3,833 |
| Earnings coverage of net charge-offs (x) | 4.5332% | 2,914 |
| Efficiency ratio | 63.5063% | 5,865 |
| Assets per employee ($millions) | 3.0190% | 6,176 |
| Cash dividends to net income (ytd only)* | 103.7251% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 4,850 |
| Loan loss allowance to noncurrent loans | 60.3542% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8848% | 3,550 |
| Noncurrent loans to loans | 2.1273% | 3,485 |
| Net loans and leases to total assets | 76.2159% | 1,744 |
| Net loans and leases to deposits | 87.2484% | 2,691 |
| Net loans and leases to core deposits | 107.6044% | 3,145 |
| Total domestic deposits to total assets | 87.3550% | 2,293 |
| Equity capital to assets | 9.4846% | 4,432 |
| Core capital (leverage) ratio | 9.3378% | 3,919 |
| Tier 1 risk-based capital ratio | 11.5089% | 5,386 |
| Total risk-based capital ratio | 12.7383% | 5,366 |
| Memoranda: | ||
| Average total assets | $120,975,400 | 4,534 |
| Average earning assets | $113,133,800 | 4,472 |
| Average equity | $11,857,600 | 4,784 |
| Average total loans | $93,429,200 | 4,119 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4195% | 890 |
| Cost of funding earning assets | 2.1082% | 2,854 |
| Net interest margin | 4.3113% | 1,703 |
| Noninterest income to average assets | 0.5909% | 3,777 |
| Noninterest expense to average assets | 3.0319% | 3,921 |
| Loan and lease loss provision to assets | 0.3658% | 4,126 |
| Net operating income to assets | 1.2216% | 1,414 |
| Return on assets (ROA) | 1.2272% | 1,462 |
| Pretax return on assets | 1.2272% | 2,174 |
| Return on Equity (ROE) | 12.4166% | 1,262 |
| Retained earnings to average equity (ytd only) | -1.0880% | 5,512 |
| Net charge-offs to loans | 0.3100% | 4,098 |
| Credit loss provision to net charge-offs | 152.7778% | 3,127 |
| Earnings coverage of net charge-offs (x) | 6.6297% | 2,564 |
| Efficiency ratio | 65.6347% | 5,434 |
| Assets per employee ($millions) | 2.9409% | 6,305 |
| Cash dividends to net income (ytd only)* | 108.7624% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 4,641 |
| Loan loss allowance to noncurrent loans | 64.0214% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.8080% | 3,645 |
| Noncurrent loans to loans | 1.9935% | 3,653 |
| Net loans and leases to total assets | 76.5975% | 1,873 |
| Net loans and leases to deposits | 88.4546% | 2,876 |
| Net loans and leases to core deposits | 110.3387% | 3,201 |
| Total domestic deposits to total assets | 86.5953% | 2,380 |
| Equity capital to assets | 9.9239% | 4,185 |
| Core capital (leverage) ratio | 9.4269% | 4,011 |
| Tier 1 risk-based capital ratio | 11.7339% | 5,213 |
| Total risk-based capital ratio | 12.9588% | 5,183 |
| Memoranda: | ||
| Average total assets | $120,274,250 | 4,588 |
| Average earning assets | $112,384,750 | 4,532 |
| Average equity | $11,887,000 | 4,825 |
| Average total loans | $92,894,750 | 4,177 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5045% | 816 |
| Cost of funding earning assets | 2.1580% | 2,996 |
| Net interest margin | 4.3465% | 1,534 |
| Noninterest income to average assets | 0.5758% | 3,865 |
| Noninterest expense to average assets | 3.0190% | 4,011 |
| Loan and lease loss provision to assets | 0.2164% | 4,878 |
| Net operating income to assets | 1.3797% | 1,069 |
| Return on assets (ROA) | 1.3880% | 1,122 |
| Pretax return on assets | 1.3880% | 1,758 |
| Return on Equity (ROE) | 14.0633% | 978 |
| Retained earnings to average equity (ytd only) | 0.5227% | 4,992 |
| Net charge-offs to loans | 0.3000% | 3,689 |
| Credit loss provision to net charge-offs | 93.5252% | 4,813 |
| Earnings coverage of net charge-offs (x) | 6.8993% | 2,531 |
| Efficiency ratio | 65.4165% | 5,641 |
| Assets per employee ($millions) | 2.9322% | 6,310 |
| Cash dividends to net income (ytd only)* | 96.2830% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 5,201 |
| Loan loss allowance to noncurrent loans | 74.3750% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.4598% | 4,055 |
| Noncurrent loans to loans | 1.5581% | 4,159 |
| Net loans and leases to total assets | 75.9872% | 2,182 |
| Net loans and leases to deposits | 87.8046% | 3,201 |
| Net loans and leases to core deposits | 108.5187% | 3,553 |
| Total domestic deposits to total assets | 86.5412% | 2,489 |
| Equity capital to assets | 9.7963% | 4,219 |
| Core capital (leverage) ratio | 9.6432% | 3,714 |
| Tier 1 risk-based capital ratio | 12.2358% | 4,730 |
| Total risk-based capital ratio | 13.3678% | 4,738 |
| Memoranda: | ||
| Average total assets | $120,173,330 | 4,632 |
| Average earning assets | $111,676,330 | 4,584 |
| Average equity | $11,860,670 | 4,853 |
| Average total loans | $92,675,330 | 4,216 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6161% | 690 |
| Cost of funding earning assets | 2.2054% | 3,139 |
| Net interest margin | 4.4107% | 1,320 |
| Noninterest income to average assets | 0.5460% | 3,962 |
| Noninterest expense to average assets | 2.9563% | 3,951 |
| Loan and lease loss provision to assets | 0.1665% | 4,798 |
| Net operating income to assets | 1.5447% | 862 |
| Return on assets (ROA) | 1.5614% | 918 |
| Pretax return on assets | 1.5614% | 1,507 |
| Return on Equity (ROE) | 15.7614% | 858 |
| Retained earnings to average equity (ytd only) | 2.2852% | 4,605 |
| Net charge-offs to loans | 0.4181% | 2,438 |
| Credit loss provision to net charge-offs | 51.5464% | 4,652 |
| Earnings coverage of net charge-offs (x) | 5.2990% | 2,703 |
| Efficiency ratio | 63.3381% | 5,805 |
| Assets per employee ($millions) | 2.8623% | 6,497 |
| Cash dividends to net income (ytd only)* | 85.5011% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,317 |
| Loan loss allowance to noncurrent loans | 95.5597% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 4,274 |
| Noncurrent loans to loans | 1.1739% | 4,630 |
| Net loans and leases to total assets | 75.7412% | 2,335 |
| Net loans and leases to deposits | 87.7222% | 3,335 |
| Net loans and leases to core deposits | 108.2598% | 3,645 |
| Total domestic deposits to total assets | 86.3421% | 2,530 |
| Equity capital to assets | 9.8922% | 4,124 |
| Core capital (leverage) ratio | 9.6421% | 3,830 |
| Tier 1 risk-based capital ratio | 12.4496% | 4,572 |
| Total risk-based capital ratio | 13.5580% | 4,616 |
| Memoranda: | ||
| Average total assets | $120,150,500 | 4,651 |
| Average earning assets | $112,271,500 | 4,579 |
| Average equity | $11,902,500 | 4,865 |
| Average total loans | $92,802,000 | 4,236 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9050% | 1,378 |
| Cost of funding earning assets | 2.7956% | 2,725 |
| Net interest margin | 4.1094% | 2,669 |
| Noninterest income to average assets | 0.5800% | 4,007 |
| Noninterest expense to average assets | 2.7668% | 4,976 |
| Loan and lease loss provision to assets | 0.0964% | 6,154 |
| Net operating income to assets | 1.5521% | 921 |
| Return on assets (ROA) | 1.5701% | 855 |
| Pretax return on assets | 1.5701% | 1,477 |
| Return on Equity (ROE) | 16.6670% | 678 |
| Retained earnings to average equity (ytd only) | 2.5495% | 3,614 |
| Net charge-offs to loans | 0.1929% | 4,260 |
| Credit loss provision to net charge-offs | 68.6047% | 6,094 |
| Earnings coverage of net charge-offs (x) | 11.7326% | 2,342 |
| Efficiency ratio | 62.6642% | 5,833 |
| Assets per employee ($millions) | 2.8592% | 6,413 |
| Cash dividends to net income (ytd only)* | 84.7034% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 4,883 |
| Loan loss allowance to noncurrent loans | 111.3402% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 4,115 |
| Noncurrent loans to loans | 1.0372% | 4,511 |
| Net loans and leases to total assets | 76.9771% | 2,384 |
| Net loans and leases to deposits | 90.7946% | 3,318 |
| Net loans and leases to core deposits | 111.7629% | 3,590 |
| Total domestic deposits to total assets | 84.7816% | 2,943 |
| Equity capital to assets | 9.9205% | 4,131 |
| Core capital (leverage) ratio | 9.6080% | 3,865 |
| Tier 1 risk-based capital ratio | 12.2864% | 4,595 |
| Total risk-based capital ratio | 13.4368% | 4,568 |
| Memoranda: | ||
| Average total assets | $122,415,000 | 4,461 |
| Average earning assets | $114,250,000 | 4,408 |
| Average equity | $11,531,800 | 4,960 |
| Average total loans | $89,183,000 | 4,254 |