Home > Cedar Valley Bank & Trust > Performance and Condition Ratios
Cedar Valley Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 2,364 |
| Cost of funding earning assets | 1.6332% | 1,604 |
| Net interest margin | 3.2254% | 2,810 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.5498% | 2,156 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.5821% | 3,488 |
| Return on assets (ROA) | 0.6188% | 3,379 |
| Pretax return on assets | 0.6355% | 3,574 |
| Return on Equity (ROE) | 7.9600% | 3,031 |
| Retained earnings to average equity (ytd only) | 3.4381% | 3,148 |
| Net charge-offs to loans | 0.1227% | 799 |
| Credit loss provision to net charge-offs | 70.8661% | 2,078 |
| Earnings coverage of net charge-offs (x) | 6.0630% | 2,499 |
| Efficiency ratio | 79.0248% | 988 |
| Assets per employee ($millions) | 6.8496% | 2,176 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5914% | 4,258 |
| Loan loss allowance to noncurrent loans | 70.8380% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 669 |
| Noncurrent loans to loans | 0.8348% | 921 |
| Net loans and leases to total assets | 91.5200% | 21 |
| Net loans and leases to deposits | 115.3611% | 121 |
| Net loans and leases to core deposits | 124.5285% | 522 |
| Total domestic deposits to total assets | 79.3400% | 3,560 |
| Equity capital to assets | 7.7711% | 3,561 |
| Core capital (leverage) ratio | 7.9633% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3566% | 2,752 |
| Memoranda: | ||
| Average total assets | $113,774,400 | 3,709 |
| Average earning assets | $109,907,200 | 3,653 |
| Average equity | $8,842,000 | 3,836 |
| Average total loans | $103,490,200 | 3,137 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 2,273 |
| Cost of funding earning assets | 1.5330% | 1,527 |
| Net interest margin | 3.2628% | 2,769 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.5026% | 2,224 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.6702% | 3,385 |
| Return on assets (ROA) | 0.7037% | 3,298 |
| Pretax return on assets | 0.7191% | 3,510 |
| Return on Equity (ROE) | 9.0600% | 2,911 |
| Retained earnings to average equity (ytd only) | 5.2633% | 2,851 |
| Net charge-offs to loans | 0.1261% | 640 |
| Credit loss provision to net charge-offs | 67.0103% | 1,821 |
| Earnings coverage of net charge-offs (x) | 6.6598% | 2,274 |
| Efficiency ratio | 76.6703% | 1,118 |
| Assets per employee ($millions) | 6.7248% | 2,166 |
| Cash dividends to net income (ytd only)* | 41.8760% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 4,246 |
| Loan loss allowance to noncurrent loans | 52.0292% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0777% | 456 |
| Noncurrent loans to loans | 1.1821% | 664 |
| Net loans and leases to total assets | 90.6100% | 33 |
| Net loans and leases to deposits | 110.7200% | 190 |
| Net loans and leases to core deposits | 121.0831% | 528 |
| Total domestic deposits to total assets | 81.8300% | 3,244 |
| Equity capital to assets | 7.8515% | 3,151 |
| Core capital (leverage) ratio | 8.0145% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6411% | 2,700 |
| Memoranda: | ||
| Average total assets | $113,107,000 | 3,728 |
| Average earning assets | $109,064,750 | 3,666 |
| Average equity | $8,790,250 | 3,847 |
| Average total loans | $102,560,750 | 3,148 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 2,179 |
| Cost of funding earning assets | 1.4447% | 1,354 |
| Net interest margin | 3.2708% | 2,819 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.5039% | 2,196 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.7458% | 3,229 |
| Return on assets (ROA) | 0.7879% | 3,125 |
| Pretax return on assets | 0.7986% | 3,402 |
| Return on Equity (ROE) | 10.1700% | 2,657 |
| Retained earnings to average equity (ytd only) | 5.5910% | 2,755 |
| Net charge-offs to loans | -0.0137% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.9734% | 1,258 |
| Assets per employee ($millions) | 6.6346% | 2,184 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 4,177 |
| Loan loss allowance to noncurrent loans | 174.0385% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,446 |
| Noncurrent loans to loans | 0.4040% | 1,721 |
| Net loans and leases to total assets | 90.6500% | 30 |
| Net loans and leases to deposits | 108.0427% | 249 |
| Net loans and leases to core deposits | 118.0131% | 568 |
| Total domestic deposits to total assets | 83.9000% | 2,846 |
| Equity capital to assets | 7.8705% | 3,295 |
| Core capital (leverage) ratio | 8.0625% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7662% | 2,688 |
| Memoranda: | ||
| Average total assets | $112,702,000 | 3,740 |
| Average earning assets | $108,537,667 | 3,679 |
| Average equity | $8,728,333 | 3,875 |
| Average total loans | $102,006,333 | 3,155 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 2,016 |
| Cost of funding earning assets | 1.4126% | 1,002 |
| Net interest margin | 3.2151% | 3,078 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.4428% | 2,389 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.6689% | 3,531 |
| Return on assets (ROA) | 0.7350% | 3,344 |
| Pretax return on assets | 0.7492% | 3,562 |
| Return on Equity (ROE) | 9.5700% | 2,907 |
| Retained earnings to average equity (ytd only) | 0.3235% | 3,974 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.0221% | 1,164 |
| Assets per employee ($millions) | 6.6875% | 2,206 |
| Cash dividends to net income (ytd only)* | 96.6184% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 4,265 |
| Loan loss allowance to noncurrent loans | 75.4595% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 584 |
| Noncurrent loans to loans | 0.9066% | 835 |
| Net loans and leases to total assets | 89.1300% | 46 |
| Net loans and leases to deposits | 103.6233% | 311 |
| Net loans and leases to core deposits | 112.8462% | 621 |
| Total domestic deposits to total assets | 86.0100% | 2,586 |
| Equity capital to assets | 7.6332% | 3,488 |
| Core capital (leverage) ratio | 7.8716% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4934% | 2,855 |
| Memoranda: | ||
| Average total assets | $112,659,000 | 3,796 |
| Average earning assets | $108,736,000 | 3,732 |
| Average equity | $8,654,000 | 3,931 |
| Average total loans | $101,526,000 | 3,196 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 1,385 |
| Cost of funding earning assets | 0.4425% | 1,778 |
| Net interest margin | 3.6934% | 1,396 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.5665% | 1,918 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1718% | 1,889 |
| Return on assets (ROA) | 1.1815% | 1,784 |
| Pretax return on assets | 1.2572% | 2,252 |
| Return on Equity (ROE) | 15.6900% | 1,105 |
| Retained earnings to average equity (ytd only) | 7.5244% | 2,017 |
| Net charge-offs to loans | 0.0054% | 2,237 |
| Credit loss provision to net charge-offs | 1,040.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 522 |
| Efficiency ratio | 66.4462% | 2,155 |
| Assets per employee ($millions) | 6.5665% | 2,281 |
| Cash dividends to net income (ytd only)* | 52.0416% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 4,262 |
| Loan loss allowance to noncurrent loans | 67.0319% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 495 |
| Noncurrent loans to loans | 0.9938% | 736 |
| Net loans and leases to total assets | 89.9000% | 35 |
| Net loans and leases to deposits | 108.9124% | 177 |
| Net loans and leases to core deposits | 119.2393% | 384 |
| Total domestic deposits to total assets | 82.5400% | 3,529 |
| Equity capital to assets | 7.7308% | 3,232 |
| Core capital (leverage) ratio | 8.1211% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6345% | 2,831 |
| Memoranda: | ||
| Average total assets | $105,709,800 | 3,879 |
| Average earning assets | $102,372,400 | 3,812 |
| Average equity | $7,960,800 | 4,099 |
| Average total loans | $93,337,800 | 3,244 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 1,117 |
| Cost of funding earning assets | 0.2926% | 2,249 |
| Net interest margin | 3.7779% | 979 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.4561% | 2,142 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4806% | 890 |
| Return on assets (ROA) | 1.4915% | 852 |
| Pretax return on assets | 1.5696% | 1,209 |
| Return on Equity (ROE) | 19.9500% | 439 |
| Retained earnings to average equity (ytd only) | 11.3938% | 946 |
| Net charge-offs to loans | 0.0146% | 1,584 |
| Credit loss provision to net charge-offs | 120.0000% | 1,221 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 834 |
| Efficiency ratio | 60.9524% | 2,985 |
| Assets per employee ($millions) | 6.3894% | 2,411 |
| Cash dividends to net income (ytd only)* | 42.8816% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 4,330 |
| Loan loss allowance to noncurrent loans | 83.2447% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 752 |
| Noncurrent loans to loans | 0.7818% | 1,031 |
| Net loans and leases to total assets | 87.9800% | 63 |
| Net loans and leases to deposits | 100.7634% | 334 |
| Net loans and leases to core deposits | 109.4073% | 488 |
| Total domestic deposits to total assets | 87.3100% | 2,663 |
| Equity capital to assets | 7.9368% | 2,939 |
| Core capital (leverage) ratio | 8.3527% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9199% | 2,841 |
| Memoranda: | ||
| Average total assets | $104,229,500 | 3,915 |
| Average earning assets | $101,147,500 | 3,850 |
| Average equity | $7,793,500 | 4,162 |
| Average total loans | $91,415,750 | 3,275 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 921 |
| Cost of funding earning assets | 0.2148% | 2,709 |
| Net interest margin | 3.7959% | 758 |
| Noninterest income to average assets | 0.1129% | 4,430 |
| Noninterest expense to average assets | 2.4308% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2948% | 1,150 |
| Return on assets (ROA) | 1.3059% | 1,101 |
| Pretax return on assets | 1.3740% | 1,511 |
| Return on Equity (ROE) | 17.8513% | 489 |
| Retained earnings to average equity (ytd only) | 8.5399% | 1,420 |
| Net charge-offs to loans | 0.0156% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 813 |
| Efficiency ratio | 64.0841% | 2,762 |
| Assets per employee ($millions) | 6.1659% | 2,600 |
| Cash dividends to net income (ytd only)* | 52.1610% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6515% | 4,407 |
| Loan loss allowance to noncurrent loans | 56.9061% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 442 |
| Noncurrent loans to loans | 1.1449% | 708 |
| Net loans and leases to total assets | 89.9066% | 23 |
| Net loans and leases to deposits | 102.7688% | 192 |
| Net loans and leases to core deposits | 105.7545% | 459 |
| Total domestic deposits to total assets | 87.4844% | 2,771 |
| Equity capital to assets | 7.1531% | 3,687 |
| Core capital (leverage) ratio | 7.3891% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1993% | 3,075 |
| Memoranda: | ||
| Average total assets | $102,766,000 | 3,965 |
| Average earning assets | $99,634,000 | 3,918 |
| Average equity | $7,517,667 | 4,253 |
| Average total loans | $89,824,333 | 3,329 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 948 |
| Cost of funding earning assets | 0.1995% | 2,812 |
| Net interest margin | 3.6840% | 767 |
| Noninterest income to average assets | 0.0983% | 4,516 |
| Noninterest expense to average assets | 2.4376% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1579% | 1,357 |
| Return on assets (ROA) | 1.1952% | 1,252 |
| Pretax return on assets | 1.2581% | 1,629 |
| Return on Equity (ROE) | 16.1541% | 518 |
| Retained earnings to average equity (ytd only) | 5.5264% | 2,404 |
| Net charge-offs to loans | 0.0962% | 538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 14.7619% | 1,366 |
| Efficiency ratio | 66.6667% | 2,680 |
| Assets per employee ($millions) | 5.9767% | 2,831 |
| Cash dividends to net income (ytd only)* | 65.7895% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 4,405 |
| Loan loss allowance to noncurrent loans | 77.2379% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 722 |
| Noncurrent loans to loans | 0.8919% | 1,037 |
| Net loans and leases to total assets | 85.6994% | 58 |
| Net loans and leases to deposits | 98.9556% | 202 |
| Net loans and leases to core deposits | 104.3965% | 382 |
| Total domestic deposits to total assets | 86.6039% | 3,071 |
| Equity capital to assets | 7.3462% | 4,021 |
| Core capital (leverage) ratio | 7.2564% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3670% | 3,084 |
| Memoranda: | ||
| Average total assets | $101,738,500 | 3,988 |
| Average earning assets | $98,263,000 | 3,944 |
| Average equity | $7,527,500 | 4,311 |
| Average total loans | $87,307,000 | 3,370 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 566 |
| Cost of funding earning assets | 0.2872% | 2,532 |
| Net interest margin | 4.2524% | 447 |
| Noninterest income to average assets | 0.1321% | 4,487 |
| Noninterest expense to average assets | 2.6483% | 1,755 |
| Loan and lease loss provision to assets | 0.1812% | 635 |
| Net operating income to assets | 1.3484% | 1,449 |
| Return on assets (ROA) | 1.3940% | 1,349 |
| Pretax return on assets | 1.4686% | 1,822 |
| Return on Equity (ROE) | 17.5058% | 518 |
| Retained earnings to average equity (ytd only) | 9.4756% | 1,054 |
| Net charge-offs to loans | 0.0289% | 1,661 |
| Credit loss provision to net charge-offs | 739.1304% | 641 |
| Earnings coverage of net charge-offs (x) | 65.3478% | 1,125 |
| Efficiency ratio | 62.3119% | 2,819 |
| Assets per employee ($millions) | 5.9925% | 2,782 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 4,393 |
| Loan loss allowance to noncurrent loans | 71.0706% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 680 |
| Noncurrent loans to loans | 1.0099% | 974 |
| Net loans and leases to total assets | 84.7251% | 87 |
| Net loans and leases to deposits | 101.3551% | 174 |
| Net loans and leases to core deposits | 108.5986% | 310 |
| Total domestic deposits to total assets | 83.5923% | 3,667 |
| Equity capital to assets | 7.4514% | 4,610 |
| Core capital (leverage) ratio | 7.3067% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2166% | 3,081 |
| Memoranda: | ||
| Average total assets | $93,833,400 | 4,061 |
| Average earning assets | $90,866,000 | 4,006 |
| Average equity | $7,471,800 | 4,382 |
| Average total loans | $79,560,000 | 3,487 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 418 |
| Cost of funding earning assets | 0.3013% | 2,580 |
| Net interest margin | 4.4863% | 320 |
| Noninterest income to average assets | 0.1321% | 4,536 |
| Noninterest expense to average assets | 2.6151% | 1,798 |
| Loan and lease loss provision to assets | 0.1525% | 732 |
| Net operating income to assets | 1.6248% | 970 |
| Return on assets (ROA) | 1.6800% | 910 |
| Pretax return on assets | 1.7686% | 1,241 |
| Return on Equity (ROE) | 20.7287% | 376 |
| Retained earnings to average equity (ytd only) | 13.1144% | 621 |
| Net charge-offs to loans | -0.0017% | 3,190 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3982% | 3,208 |
| Assets per employee ($millions) | 5.6511% | 3,039 |
| Cash dividends to net income (ytd only)* | 36.7329% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 4,492 |
| Loan loss allowance to noncurrent loans | 65.8014% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 735 |
| Noncurrent loans to loans | 1.0714% | 1,060 |
| Net loans and leases to total assets | 85.4719% | 76 |
| Net loans and leases to deposits | 109.1044% | 101 |
| Net loans and leases to core deposits | 113.1549% | 268 |
| Total domestic deposits to total assets | 78.3395% | 4,389 |
| Equity capital to assets | 7.9766% | 4,534 |
| Core capital (leverage) ratio | 8.0501% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9375% | 3,096 |
| Memoranda: | ||
| Average total assets | $91,823,500 | 4,135 |
| Average earning assets | $88,950,500 | 4,081 |
| Average equity | $7,442,000 | 4,446 |
| Average total loans | $77,716,000 | 3,565 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 288 |
| Cost of funding earning assets | 0.3076% | 2,704 |
| Net interest margin | 4.8149% | 217 |
| Noninterest income to average assets | 0.0863% | 4,742 |
| Noninterest expense to average assets | 2.6790% | 1,643 |
| Loan and lease loss provision to assets | 0.2323% | 440 |
| Net operating income to assets | 1.7580% | 783 |
| Return on assets (ROA) | 1.8295% | 699 |
| Pretax return on assets | 1.9246% | 968 |
| Return on Equity (ROE) | 22.4474% | 294 |
| Retained earnings to average equity (ytd only) | 17.0188% | 269 |
| Net charge-offs to loans | 0.0026% | 2,102 |
| Credit loss provision to net charge-offs | 10,500.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 941.0000% | 138 |
| Efficiency ratio | 56.2732% | 3,510 |
| Assets per employee ($millions) | 5.5959% | 3,023 |
| Cash dividends to net income (ytd only)* | 24.1838% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,446 |
| Loan loss allowance to noncurrent loans | 106.0109% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 1,362 |
| Noncurrent loans to loans | 0.7111% | 1,661 |
| Net loans and leases to total assets | 85.5744% | 94 |
| Net loans and leases to deposits | 104.0821% | 184 |
| Net loans and leases to core deposits | 108.0267% | 414 |
| Total domestic deposits to total assets | 82.2181% | 3,880 |
| Equity capital to assets | 8.4470% | 4,244 |
| Core capital (leverage) ratio | 7.6811% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0493% | 2,948 |
| Memoranda: | ||
| Average total assets | $90,408,333 | 4,169 |
| Average earning assets | $87,769,667 | 4,115 |
| Average equity | $7,368,333 | 4,481 |
| Average total loans | $76,056,333 | 3,615 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6828% | 151 |
| Cost of funding earning assets | 0.3096% | 2,891 |
| Net interest margin | 5.3731% | 119 |
| Noninterest income to average assets | 0.0837% | 4,753 |
| Noninterest expense to average assets | 2.3689% | 2,596 |
| Loan and lease loss provision to assets | 0.1541% | 836 |
| Net operating income to assets | 2.6265% | 214 |
| Return on assets (ROA) | 2.6683% | 229 |
| Pretax return on assets | 2.8004% | 301 |
| Return on Equity (ROE) | 33.3379% | 98 |
| Retained earnings to average equity (ytd only) | 33.3379% | 61 |
| Net charge-offs to loans | 0.0159% | 1,423 |
| Credit loss provision to net charge-offs | 1,166.6667% | 375 |
| Earnings coverage of net charge-offs (x) | 220.3333% | 375 |
| Efficiency ratio | 44.8707% | 4,530 |
| Assets per employee ($millions) | 5.8759% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 4,625 |
| Loan loss allowance to noncurrent loans | 178.9474% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 2,626 |
| Noncurrent loans to loans | 0.3678% | 2,769 |
| Net loans and leases to total assets | 81.8687% | 230 |
| Net loans and leases to deposits | 98.5607% | 328 |
| Net loans and leases to core deposits | 102.0701% | 628 |
| Total domestic deposits to total assets | 83.0642% | 3,670 |
| Equity capital to assets | 8.0254% | 4,473 |
| Core capital (leverage) ratio | 8.1022% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0316% | 2,929 |
| Memoranda: | ||
| Average total assets | $90,845,000 | 4,174 |
| Average earning assets | $87,844,500 | 4,124 |
| Average equity | $7,271,000 | 4,505 |
| Average total loans | $75,484,000 | 3,644 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 625 |
| Cost of funding earning assets | 0.4833% | 3,060 |
| Net interest margin | 4.3948% | 410 |
| Noninterest income to average assets | 0.2048% | 4,246 |
| Noninterest expense to average assets | 2.6444% | 2,403 |
| Loan and lease loss provision to assets | 0.1403% | 2,602 |
| Net operating income to assets | 1.5569% | 700 |
| Return on assets (ROA) | 1.6925% | 550 |
| Pretax return on assets | 1.7810% | 717 |
| Return on Equity (ROE) | 20.0012% | 230 |
| Retained earnings to average equity (ytd only) | 9.6197% | 656 |
| Net charge-offs to loans | 0.0535% | 2,021 |
| Credit loss provision to net charge-offs | 326.4706% | 1,651 |
| Earnings coverage of net charge-offs (x) | 41.3824% | 1,355 |
| Efficiency ratio | 59.7885% | 3,492 |
| Assets per employee ($millions) | 5.8451% | 2,503 |
| Cash dividends to net income (ytd only)* | 51.9044% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6491% | 4,662 |
| Loan loss allowance to noncurrent loans | 422.1239% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 3,642 |
| Noncurrent loans to loans | 0.1538% | 3,670 |
| Net loans and leases to total assets | 83.2759% | 211 |
| Net loans and leases to deposits | 102.4902% | 303 |
| Net loans and leases to core deposits | 105.7225% | 654 |
| Total domestic deposits to total assets | 81.2526% | 3,822 |
| Equity capital to assets | 7.9805% | 4,715 |
| Core capital (leverage) ratio | 7.7583% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2465% | 3,055 |
| Memoranda: | ||
| Average total assets | $79,111,600 | 4,254 |
| Average earning assets | $75,930,200 | 4,212 |
| Average equity | $6,694,600 | 4,561 |
| Average total loans | $63,519,200 | 3,858 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 657 |
| Cost of funding earning assets | 0.5294% | 3,051 |
| Net interest margin | 4.4269% | 448 |
| Noninterest income to average assets | 0.1576% | 4,503 |
| Noninterest expense to average assets | 2.5706% | 2,624 |
| Loan and lease loss provision to assets | 0.1039% | 3,021 |
| Net operating income to assets | 1.6408% | 660 |
| Return on assets (ROA) | 1.8136% | 487 |
| Pretax return on assets | 1.9089% | 622 |
| Return on Equity (ROE) | 21.0903% | 202 |
| Retained earnings to average equity (ytd only) | 12.6300% | 360 |
| Net charge-offs to loans | 0.0240% | 2,361 |
| Credit loss provision to net charge-offs | 545.4545% | 1,225 |
| Earnings coverage of net charge-offs (x) | 96.0909% | 817 |
| Efficiency ratio | 58.4022% | 3,611 |
| Assets per employee ($millions) | 5.6833% | 2,552 |
| Cash dividends to net income (ytd only)* | 40.1146% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 4,637 |
| Loan loss allowance to noncurrent loans | 598.6667% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,994 |
| Noncurrent loans to loans | 0.1106% | 3,925 |
| Net loans and leases to total assets | 79.0111% | 712 |
| Net loans and leases to deposits | 96.4240% | 733 |
| Net loans and leases to core deposits | 99.5228% | 1,190 |
| Total domestic deposits to total assets | 81.9413% | 3,436 |
| Equity capital to assets | 8.1877% | 4,640 |
| Core capital (leverage) ratio | 7.9749% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,970,500 | 4,289 |
| Average earning assets | $73,789,750 | 4,246 |
| Average equity | $6,619,000 | 4,592 |
| Average total loans | $61,026,500 | 3,916 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1782% | 597 |
| Cost of funding earning assets | 0.5988% | 2,971 |
| Net interest margin | 4.5794% | 427 |
| Noninterest income to average assets | 0.1806% | 4,381 |
| Noninterest expense to average assets | 2.5495% | 2,828 |
| Loan and lease loss provision to assets | 0.0539% | 3,628 |
| Net operating income to assets | 1.8682% | 431 |
| Return on assets (ROA) | 2.1345% | 272 |
| Pretax return on assets | 2.2477% | 336 |
| Return on Equity (ROE) | 24.3742% | 122 |
| Retained earnings to average equity (ytd only) | 18.9885% | 104 |
| Net charge-offs to loans | 0.0408% | 1,924 |
| Credit loss provision to net charge-offs | 166.6667% | 2,046 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 937 |
| Efficiency ratio | 55.7783% | 3,971 |
| Assets per employee ($millions) | 5.6658% | 2,473 |
| Cash dividends to net income (ytd only)* | 22.0960% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6513% | 4,666 |
| Loan loss allowance to noncurrent loans | 211.9171% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 3,346 |
| Noncurrent loans to loans | 0.3073% | 3,283 |
| Net loans and leases to total assets | 78.6526% | 763 |
| Net loans and leases to deposits | 97.6369% | 682 |
| Net loans and leases to core deposits | 100.8959% | 1,193 |
| Total domestic deposits to total assets | 80.5562% | 3,714 |
| Equity capital to assets | 8.7606% | 4,299 |
| Core capital (leverage) ratio | 8.3817% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,210,667 | 4,331 |
| Average earning assets | $71,144,667 | 4,288 |
| Average equity | $6,498,667 | 4,630 |
| Average total loans | $58,766,667 | 3,965 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 1,228 |
| Cost of funding earning assets | 0.7268% | 2,799 |
| Net interest margin | 4.1572% | 1,011 |
| Noninterest income to average assets | 0.1507% | 4,617 |
| Noninterest expense to average assets | 2.5343% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5301% | 727 |
| Return on assets (ROA) | 2.0710% | 262 |
| Pretax return on assets | 2.1771% | 309 |
| Return on Equity (ROE) | 23.6551% | 87 |
| Retained earnings to average equity (ytd only) | 18.8730% | 77 |
| Net charge-offs to loans | 0.0916% | 1,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 22.1538% | 1,367 |
| Efficiency ratio | 61.1860% | 3,591 |
| Assets per employee ($millions) | 5.1170% | 2,521 |
| Cash dividends to net income (ytd only)* | 20.2156% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 4,655 |
| Loan loss allowance to noncurrent loans | 278.4173% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 3,713 |
| Noncurrent loans to loans | 0.2412% | 3,621 |
| Net loans and leases to total assets | 79.9031% | 707 |
| Net loans and leases to deposits | 100.9951% | 495 |
| Net loans and leases to core deposits | 104.8063% | 1,131 |
| Total domestic deposits to total assets | 79.1158% | 4,029 |
| Equity capital to assets | 8.8696% | 4,663 |
| Core capital (leverage) ratio | 8.9340% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5476% | 2,912 |
| Memoranda: | ||
| Average total assets | $71,655,500 | 4,384 |
| Average earning assets | $68,796,500 | 4,335 |
| Average equity | $6,273,500 | 4,687 |
| Average total loans | $56,751,500 | 4,016 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7968% | 2,049 |
| Cost of funding earning assets | 0.7893% | 2,730 |
| Net interest margin | 4.0074% | 1,834 |
| Noninterest income to average assets | 0.1589% | 4,698 |
| Noninterest expense to average assets | 2.6446% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2157% | 1,999 |
| Return on assets (ROA) | 1.2421% | 1,980 |
| Pretax return on assets | 1.3077% | 2,487 |
| Return on Equity (ROE) | 15.3230% | 627 |
| Retained earnings to average equity (ytd only) | 8.8739% | 743 |
| Net charge-offs to loans | -0.4130% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3890% | 2,547 |
| Assets per employee ($millions) | 5.1195% | 2,435 |
| Cash dividends to net income (ytd only)* | 42.0875% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 4,537 |
| Loan loss allowance to noncurrent loans | 1,822.7273% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,491 |
| Noncurrent loans to loans | 0.0394% | 4,405 |
| Net loans and leases to total assets | 77.3987% | 1,178 |
| Net loans and leases to deposits | 94.0397% | 1,146 |
| Net loans and leases to core deposits | 100.7867% | 1,498 |
| Total domestic deposits to total assets | 82.3044% | 3,419 |
| Equity capital to assets | 8.6406% | 4,852 |
| Core capital (leverage) ratio | 8.4622% | 4,860 |
| Tier 1 risk-based capital ratio | 11.5454% | 4,607 |
| Total risk-based capital ratio | 12.3004% | 4,736 |
| Memoranda: | ||
| Average total assets | $71,730,600 | 4,400 |
| Average earning assets | $67,399,600 | 4,382 |
| Average equity | $5,814,800 | 4,782 |
| Average total loans | $51,326,200 | 4,155 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7331% | 2,316 |
| Cost of funding earning assets | 0.8048% | 2,694 |
| Net interest margin | 3.9284% | 2,167 |
| Noninterest income to average assets | 0.1598% | 4,747 |
| Noninterest expense to average assets | 2.4791% | 3,494 |
| Loan and lease loss provision to assets | 0.1970% | 894 |
| Net operating income to assets | 1.1002% | 2,567 |
| Return on assets (ROA) | 1.1355% | 2,519 |
| Pretax return on assets | 1.1950% | 2,995 |
| Return on Equity (ROE) | 14.2415% | 936 |
| Retained earnings to average equity (ytd only) | 8.9970% | 1,044 |
| Net charge-offs to loans | 0.0956% | 1,516 |
| Credit loss provision to net charge-offs | 294.4444% | 962 |
| Earnings coverage of net charge-offs (x) | 20.2496% | 1,970 |
| Efficiency ratio | 64.6631% | 2,916 |
| Assets per employee ($millions) | 5.3216% | 2,191 |
| Cash dividends to net income (ytd only)* | 36.8244% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4800% | 4,995 |
| Loan loss allowance to noncurrent loans | 1,036.0000% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,555 |
| Noncurrent loans to loans | 0.0463% | 4,439 |
| Net loans and leases to total assets | 72.0709% | 2,167 |
| Net loans and leases to deposits | 81.4424% | 2,751 |
| Net loans and leases to core deposits | 87.0485% | 2,814 |
| Total domestic deposits to total assets | 88.4931% | 831 |
| Equity capital to assets | 8.1084% | 5,109 |
| Core capital (leverage) ratio | 8.6177% | 4,878 |
| Tier 1 risk-based capital ratio | 11.5416% | 4,652 |
| Total risk-based capital ratio | 12.0397% | 4,897 |
| Memoranda: | ||
| Average total assets | $71,745,000 | 4,455 |
| Average earning assets | $67,100,000 | 4,442 |
| Average equity | $5,720,250 | 4,856 |
| Average total loans | $50,189,000 | 4,226 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 2,186 |
| Cost of funding earning assets | 0.8499% | 2,395 |
| Net interest margin | 3.9100% | 2,215 |
| Noninterest income to average assets | 0.1751% | 4,699 |
| Noninterest expense to average assets | 2.4963% | 3,495 |
| Loan and lease loss provision to assets | 0.2428% | 638 |
| Net operating income to assets | 0.9964% | 2,936 |
| Return on assets (ROA) | 1.0420% | 2,831 |
| Pretax return on assets | 1.0956% | 3,243 |
| Return on Equity (ROE) | 13.1473% | 1,197 |
| Retained earnings to average equity (ytd only) | 7.8029% | 1,468 |
| Net charge-offs to loans | 0.1390% | 1,095 |
| Credit loss provision to net charge-offs | 252.9412% | 1,006 |
| Earnings coverage of net charge-offs (x) | 13.4412% | 2,101 |
| Efficiency ratio | 65.9210% | 2,816 |
| Assets per employee ($millions) | 4.9633% | 2,524 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4720% | 5,050 |
| Loan loss allowance to noncurrent loans | 181.2030% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 3,816 |
| Noncurrent loans to loans | 0.2605% | 3,596 |
| Net loans and leases to total assets | 73.1414% | 2,034 |
| Net loans and leases to deposits | 83.2277% | 2,577 |
| Net loans and leases to core deposits | 87.7302% | 2,826 |
| Total domestic deposits to total assets | 87.8810% | 1,154 |
| Equity capital to assets | 8.4535% | 5,058 |
| Core capital (leverage) ratio | 8.3688% | 5,028 |
| Tier 1 risk-based capital ratio | 11.8625% | 4,493 |
| Total risk-based capital ratio | 12.3524% | 4,776 |
| Memoranda: | ||
| Average total assets | $70,825,670 | 4,505 |
| Average earning assets | $65,421,670 | 4,506 |
| Average equity | $5,613,330 | 4,901 |
| Average total loans | $48,934,000 | 4,286 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 1,982 |
| Cost of funding earning assets | 0.8447% | 2,296 |
| Net interest margin | 3.9276% | 2,103 |
| Noninterest income to average assets | 0.1622% | 4,767 |
| Noninterest expense to average assets | 2.4393% | 3,656 |
| Loan and lease loss provision to assets | 0.3693% | 315 |
| Net operating income to assets | 0.8665% | 3,373 |
| Return on assets (ROA) | 0.8560% | 3,468 |
| Pretax return on assets | 0.9064% | 3,748 |
| Return on Equity (ROE) | 11.1618% | 1,885 |
| Retained earnings to average equity (ytd only) | 11.1618% | 767 |
| Net charge-offs to loans | 0.2590% | 563 |
| Credit loss provision to net charge-offs | 212.9032% | 1,017 |
| Earnings coverage of net charge-offs (x) | 7.4194% | 2,138 |
| Efficiency ratio | 65.4655% | 3,012 |
| Assets per employee ($millions) | 5.3569% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4473% | 5,130 |
| Loan loss allowance to noncurrent loans | 64.0000% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 2,612 |
| Noncurrent loans to loans | 0.6989% | 2,276 |
| Net loans and leases to total assets | 71.5939% | 2,232 |
| Net loans and leases to deposits | 78.5104% | 3,008 |
| Net loans and leases to core deposits | 82.1736% | 3,170 |
| Total domestic deposits to total assets | 91.1904% | 134 |
| Equity capital to assets | 8.0256% | 5,175 |
| Core capital (leverage) ratio | 7.9124% | 5,226 |
| Tier 1 risk-based capital ratio | 11.7143% | 4,612 |
| Total risk-based capital ratio | 12.1750% | 4,914 |
| Memoranda: | ||
| Average total assets | $71,495,500 | 4,541 |
| Average earning assets | $64,874,000 | 4,564 |
| Average equity | $5,483,000 | 4,965 |
| Average total loans | $47,869,000 | 4,354 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 2,883 |
| Cost of funding earning assets | 0.5374% | 3,132 |
| Net interest margin | 3.8264% | 2,573 |
| Noninterest income to average assets | 0.2072% | 4,681 |
| Noninterest expense to average assets | 2.5825% | 3,390 |
| Loan and lease loss provision to assets | 0.4266% | 307 |
| Net operating income to assets | 0.7216% | 4,068 |
| Return on assets (ROA) | 0.7289% | 4,048 |
| Pretax return on assets | 0.7672% | 4,249 |
| Return on Equity (ROE) | 9.0438% | 2,975 |
| Retained earnings to average equity (ytd only) | 3.2367% | 3,786 |
| Net charge-offs to loans | 0.8436% | 178 |
| Credit loss provision to net charge-offs | 80.8140% | 2,849 |
| Earnings coverage of net charge-offs (x) | 2.2471% | 3,543 |
| Efficiency ratio | 68.5261% | 2,467 |
| Assets per employee ($millions) | 5.6424% | 1,819 |
| Cash dividends to net income (ytd only)* | 64.2105% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4162% | 5,200 |
| Loan loss allowance to noncurrent loans | 82.6087% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 3,301 |
| Noncurrent loans to loans | 0.5038% | 2,764 |
| Net loans and leases to total assets | 61.9842% | 3,568 |
| Net loans and leases to deposits | 70.5797% | 3,787 |
| Net loans and leases to core deposits | 73.3346% | 3,901 |
| Total domestic deposits to total assets | 87.8216% | 1,383 |
| Equity capital to assets | 7.3305% | 5,296 |
| Core capital (leverage) ratio | 8.1196% | 5,199 |
| Tier 1 risk-based capital ratio | 12.1859% | 4,306 |
| Total risk-based capital ratio | 12.5982% | 4,701 |
| Memoranda: | ||
| Average total assets | $65,168,800 | 4,675 |
| Average earning assets | $60,658,200 | 4,655 |
| Average equity | $5,252,200 | 5,010 |
| Average total loans | $40,777,600 | 4,528 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 3,025 |
| Cost of funding earning assets | 0.4775% | 3,346 |
| Net interest margin | 3.8067% | 2,618 |
| Noninterest income to average assets | 0.2155% | 4,681 |
| Noninterest expense to average assets | 2.5347% | 3,490 |
| Loan and lease loss provision to assets | 0.5872% | 176 |
| Net operating income to assets | 0.6781% | 4,294 |
| Return on assets (ROA) | 0.6801% | 4,302 |
| Pretax return on assets | 0.7160% | 4,496 |
| Return on Equity (ROE) | 8.2229% | 3,455 |
| Retained earnings to average equity (ytd only) | 2.3494% | 4,455 |
| Net charge-offs to loans | 0.0135% | 2,946 |
| Credit loss provision to net charge-offs | 6,950.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 154.0919% | 536 |
| Efficiency ratio | 66.0793% | 2,859 |
| Assets per employee ($millions) | 5.4386% | 1,975 |
| Cash dividends to net income (ytd only)* | 71.4292% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,396 |
| Loan loss allowance to noncurrent loans | 524.7525% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,183 |
| Noncurrent loans to loans | 0.2368% | 3,852 |
| Net loans and leases to total assets | 64.5557% | 3,359 |
| Net loans and leases to deposits | 74.5668% | 3,544 |
| Net loans and leases to core deposits | 77.8992% | 3,665 |
| Total domestic deposits to total assets | 86.5743% | 1,927 |
| Equity capital to assets | 7.9524% | 5,195 |
| Core capital (leverage) ratio | 8.8488% | 4,848 |
| Tier 1 risk-based capital ratio | 12.9575% | 3,934 |
| Total risk-based capital ratio | 14.1914% | 3,847 |
| Memoranda: | ||
| Average total assets | $63,123,250 | 4,747 |
| Average earning assets | $60,032,500 | 4,713 |
| Average equity | $5,221,000 | 5,072 |
| Average total loans | $39,558,000 | 4,610 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 3,052 |
| Cost of funding earning assets | 0.3916% | 3,794 |
| Net interest margin | 3.8280% | 2,466 |
| Noninterest income to average assets | 0.2147% | 4,736 |
| Noninterest expense to average assets | 2.5701% | 3,415 |
| Loan and lease loss provision to assets | 0.6089% | 169 |
| Net operating income to assets | 0.6315% | 4,404 |
| Return on assets (ROA) | 0.6345% | 4,403 |
| Pretax return on assets | 0.6730% | 4,577 |
| Return on Equity (ROE) | 7.5698% | 3,694 |
| Retained earnings to average equity (ytd only) | 0.6882% | 4,826 |
| Net charge-offs to loans | 0.0311% | 2,231 |
| Credit loss provision to net charge-offs | 3,166.6667% | 129 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 938 |
| Efficiency ratio | 66.7777% | 2,852 |
| Assets per employee ($millions) | 5.4666% | 1,916 |
| Cash dividends to net income (ytd only)* | 90.9091% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,318 |
| Loan loss allowance to noncurrent loans | 3,142.8571% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,911 |
| Noncurrent loans to loans | 0.0347% | 4,760 |
| Net loans and leases to total assets | 66.3280% | 3,093 |
| Net loans and leases to deposits | 73.3409% | 3,597 |
| Net loans and leases to core deposits | 76.0091% | 3,745 |
| Total domestic deposits to total assets | 90.4379% | 420 |
| Equity capital to assets | 8.5910% | 4,880 |
| Core capital (leverage) ratio | 8.6785% | 4,972 |
| Tier 1 risk-based capital ratio | 13.4585% | 3,639 |
| Total risk-based capital ratio | 14.5422% | 3,663 |
| Memoranda: | ||
| Average total assets | $62,410,000 | 4,819 |
| Average earning assets | $59,247,000 | 4,785 |
| Average equity | $5,231,330 | 5,127 |
| Average total loans | $38,523,670 | 4,684 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 2,913 |
| Cost of funding earning assets | 0.3559% | 3,942 |
| Net interest margin | 3.8338% | 2,284 |
| Noninterest income to average assets | 0.2077% | 4,781 |
| Noninterest expense to average assets | 2.3793% | 4,002 |
| Loan and lease loss provision to assets | 0.3147% | 410 |
| Net operating income to assets | 1.0575% | 2,618 |
| Return on assets (ROA) | 1.0575% | 2,628 |
| Pretax return on assets | 1.1078% | 3,146 |
| Return on Equity (ROE) | 12.7660% | 1,329 |
| Retained earnings to average equity (ytd only) | 6.6869% | 2,418 |
| Net charge-offs to loans | 0.0213% | 2,076 |
| Credit loss provision to net charge-offs | 2,500.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 554 |
| Efficiency ratio | 62.5828% | 3,691 |
| Assets per employee ($millions) | 5.8802% | 1,621 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 4,831 |
| Loan loss allowance to noncurrent loans | 149.5050% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 3,584 |
| Noncurrent loans to loans | 0.5236% | 2,950 |
| Net loans and leases to total assets | 59.1726% | 3,837 |
| Net loans and leases to deposits | 67.3044% | 3,996 |
| Net loans and leases to core deposits | 69.6385% | 4,100 |
| Total domestic deposits to total assets | 87.9178% | 1,666 |
| Equity capital to assets | 8.0764% | 5,240 |
| Core capital (leverage) ratio | 8.9219% | 4,773 |
| Tier 1 risk-based capital ratio | 13.6922% | 3,551 |
| Total risk-based capital ratio | 14.4420% | 3,750 |
| Memoranda: | ||
| Average total assets | $63,548,500 | 4,858 |
| Average earning assets | $59,575,500 | 4,837 |
| Average equity | $5,264,000 | 5,176 |
| Average total loans | $37,623,000 | 4,761 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 3,342 |
| Cost of funding earning assets | 0.2172% | 4,809 |
| Net interest margin | 3.8006% | 2,427 |
| Noninterest income to average assets | 0.2154% | 4,864 |
| Noninterest expense to average assets | 2.5510% | 3,603 |
| Loan and lease loss provision to assets | 0.0881% | 2,426 |
| Net operating income to assets | 1.1455% | 1,693 |
| Return on assets (ROA) | 1.1409% | 1,747 |
| Pretax return on assets | 1.1980% | 2,778 |
| Return on Equity (ROE) | 13.5881% | 832 |
| Retained earnings to average equity (ytd only) | 8.5339% | 608 |
| Net charge-offs to loans | 0.0564% | 2,680 |
| Credit loss provision to net charge-offs | 284.2105% | 991 |
| Earnings coverage of net charge-offs (x) | 41.6316% | 1,227 |
| Efficiency ratio | 66.3976% | 3,189 |
| Assets per employee ($millions) | 5.6741% | 1,771 |
| Cash dividends to net income (ytd only)* | 37.1960% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 5,086 |
| Loan loss allowance to noncurrent loans | 1,154.5455% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 4,963 |
| Noncurrent loans to loans | 0.0600% | 4,725 |
| Net loans and leases to total assets | 58.3449% | 3,980 |
| Net loans and leases to deposits | 71.3619% | 3,754 |
| Net loans and leases to core deposits | 72.6402% | 3,999 |
| Total domestic deposits to total assets | 81.7592% | 3,926 |
| Equity capital to assets | 8.4980% | 5,127 |
| Core capital (leverage) ratio | 8.9774% | 4,673 |
| Tier 1 risk-based capital ratio | 13.9938% | 3,363 |
| Total risk-based capital ratio | 14.6466% | 3,598 |
| Memoranda: | ||
| Average total assets | $61,269,800 | 4,939 |
| Average earning assets | $58,465,000 | 4,898 |
| Average equity | $5,144,200 | 5,248 |
| Average total loans | $33,695,600 | 4,904 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,506 |
| Cost of funding earning assets | 0.2117% | 4,875 |
| Net interest margin | 3.7423% | 2,604 |
| Noninterest income to average assets | 0.2339% | 4,812 |
| Noninterest expense to average assets | 2.5012% | 3,730 |
| Loan and lease loss provision to assets | 0.0743% | 2,582 |
| Net operating income to assets | 1.1913% | 1,732 |
| Return on assets (ROA) | 1.1872% | 1,785 |
| Pretax return on assets | 1.2484% | 2,719 |
| Return on Equity (ROE) | 14.1839% | 798 |
| Retained earnings to average equity (ytd only) | 9.4821% | 715 |
| Net charge-offs to loans | 0.0769% | 2,043 |
| Credit loss provision to net charge-offs | 178.9474% | 1,481 |
| Earnings coverage of net charge-offs (x) | 31.9507% | 1,494 |
| Efficiency ratio | 65.3341% | 3,324 |
| Assets per employee ($millions) | 5.4407% | 1,979 |
| Cash dividends to net income (ytd only)* | 33.1487% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 5,178 |
| Loan loss allowance to noncurrent loans | 312.0000% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 4,620 |
| Noncurrent loans to loans | 0.2186% | 4,187 |
| Net loans and leases to total assets | 56.9443% | 4,157 |
| Net loans and leases to deposits | 64.4893% | 4,349 |
| Net loans and leases to core deposits | 65.5990% | 4,511 |
| Total domestic deposits to total assets | 88.3004% | 1,213 |
| Equity capital to assets | 8.9744% | 4,935 |
| Core capital (leverage) ratio | 8.9886% | 4,756 |
| Tier 1 risk-based capital ratio | 14.6238% | 3,118 |
| Total risk-based capital ratio | 15.2612% | 3,351 |
| Memoranda: | ||
| Average total assets | $60,983,500 | 4,998 |
| Average earning assets | $58,572,250 | 4,945 |
| Average equity | $5,104,250 | 5,313 |
| Average total loans | $32,952,000 | 4,974 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 3,683 |
| Cost of funding earning assets | 0.2034% | 4,943 |
| Net interest margin | 3.6569% | 2,809 |
| Noninterest income to average assets | 0.2314% | 4,850 |
| Noninterest expense to average assets | 2.4901% | 3,784 |
| Loan and lease loss provision to assets | 0.0456% | 3,080 |
| Net operating income to assets | 1.1507% | 1,773 |
| Return on assets (ROA) | 1.1538% | 1,811 |
| Pretax return on assets | 1.2157% | 2,720 |
| Return on Equity (ROE) | 14.1167% | 795 |
| Retained earnings to average equity (ytd only) | 10.9265% | 450 |
| Net charge-offs to loans | 0.2092% | 977 |
| Credit loss provision to net charge-offs | 41.1765% | 2,637 |
| Earnings coverage of net charge-offs (x) | 11.3529% | 2,281 |
| Efficiency ratio | 66.4348% | 3,278 |
| Assets per employee ($millions) | 4.9119% | 2,498 |
| Cash dividends to net income (ytd only)* | 22.5989% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6027% | 5,376 |
| Loan loss allowance to noncurrent loans | 108.7432% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 3,524 |
| Noncurrent loans to loans | 0.5542% | 3,075 |
| Net loans and leases to total assets | 55.6809% | 4,254 |
| Net loans and leases to deposits | 61.9889% | 4,507 |
| Net loans and leases to core deposits | 63.0451% | 4,667 |
| Total domestic deposits to total assets | 89.8241% | 594 |
| Equity capital to assets | 8.9934% | 4,914 |
| Core capital (leverage) ratio | 8.6654% | 5,073 |
| Tier 1 risk-based capital ratio | 14.9898% | 2,928 |
| Total risk-based capital ratio | 15.5547% | 3,185 |
| Memoranda: | ||
| Average total assets | $61,362,000 | 5,031 |
| Average earning assets | $59,011,000 | 4,974 |
| Average equity | $5,015,330 | 5,367 |
| Average total loans | $32,498,000 | 5,024 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 4,019 |
| Cost of funding earning assets | 0.2060% | 4,920 |
| Net interest margin | 3.5215% | 3,191 |
| Noninterest income to average assets | 0.1534% | 5,348 |
| Noninterest expense to average assets | 2.3973% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0871% | 1,928 |
| Return on assets (ROA) | 1.0931% | 1,941 |
| Pretax return on assets | 1.1507% | 2,777 |
| Return on Equity (ROE) | 14.0380% | 803 |
| Retained earnings to average equity (ytd only) | 7.4705% | 1,664 |
| Net charge-offs to loans | 0.0124% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 315 |
| Efficiency ratio | 67.6895% | 3,252 |
| Assets per employee ($millions) | 5.1396% | 2,255 |
| Cash dividends to net income (ytd only)* | 46.7836% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 5,367 |
| Loan loss allowance to noncurrent loans | 44.3992% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 2,308 |
| Noncurrent loans to loans | 1.5070% | 1,323 |
| Net loans and leases to total assets | 52.4734% | 4,475 |
| Net loans and leases to deposits | 57.1613% | 4,751 |
| Net loans and leases to core deposits | 58.0679% | 4,879 |
| Total domestic deposits to total assets | 91.7989% | 129 |
| Equity capital to assets | 8.0373% | 5,503 |
| Core capital (leverage) ratio | 8.1410% | 5,482 |
| Tier 1 risk-based capital ratio | 14.0155% | 3,464 |
| Total risk-based capital ratio | 14.6149% | 3,772 |
| Memoranda: | ||
| Average total assets | $62,571,500 | 5,060 |
| Average earning assets | $60,202,000 | 4,999 |
| Average equity | $4,872,500 | 5,444 |
| Average total loans | $32,237,500 | 5,083 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6754% | 4,296 |
| Cost of funding earning assets | 0.2111% | 4,915 |
| Net interest margin | 3.4644% | 3,563 |
| Noninterest income to average assets | 0.1783% | 5,329 |
| Noninterest expense to average assets | 2.6694% | 3,451 |
| Loan and lease loss provision to assets | 0.0245% | 3,866 |
| Net operating income to assets | 0.7365% | 3,613 |
| Return on assets (ROA) | 0.7688% | 3,557 |
| Pretax return on assets | 0.8211% | 4,128 |
| Return on Equity (ROE) | 9.3354% | 2,257 |
| Retained earnings to average equity (ytd only) | 2.5821% | 4,049 |
| Net charge-offs to loans | 0.0147% | 3,804 |
| Credit loss provision to net charge-offs | 375.0000% | 833 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 493 |
| Efficiency ratio | 76.6917% | 1,893 |
| Assets per employee ($millions) | 5.2890% | 2,074 |
| Cash dividends to net income (ytd only)* | 72.3404% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 5,378 |
| Loan loss allowance to noncurrent loans | 73.3333% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 3,367 |
| Noncurrent loans to loans | 0.9406% | 2,207 |
| Net loans and leases to total assets | 49.9055% | 4,768 |
| Net loans and leases to deposits | 55.0049% | 4,966 |
| Net loans and leases to core deposits | 55.8546% | 5,049 |
| Total domestic deposits to total assets | 90.7292% | 379 |
| Equity capital to assets | 7.5440% | 5,709 |
| Core capital (leverage) ratio | 8.2146% | 5,501 |
| Tier 1 risk-based capital ratio | 13.9509% | 3,490 |
| Total risk-based capital ratio | 14.5612% | 3,798 |
| Memoranda: | ||
| Average total assets | $61,137,400 | 5,113 |
| Average earning assets | $58,279,000 | 5,064 |
| Average equity | $5,034,600 | 5,462 |
| Average total loans | $27,224,600 | 5,291 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 4,320 |
| Cost of funding earning assets | 0.2107% | 4,971 |
| Net interest margin | 3.4688% | 3,594 |
| Noninterest income to average assets | 0.1872% | 5,338 |
| Noninterest expense to average assets | 2.6356% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7935% | 3,397 |
| Return on assets (ROA) | 0.8345% | 3,345 |
| Pretax return on assets | 0.8939% | 3,997 |
| Return on Equity (ROE) | 9.9155% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.1133% | 4,048 |
| Net charge-offs to loans | 0.0102% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 192.7528% | 382 |
| Efficiency ratio | 75.6159% | 2,028 |
| Assets per employee ($millions) | 4.5606% | 2,990 |
| Cash dividends to net income (ytd only)* | 68.6021% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7338% | 5,347 |
| Loan loss allowance to noncurrent loans | 72.6316% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 3,511 |
| Noncurrent loans to loans | 1.0102% | 2,221 |
| Net loans and leases to total assets | 47.2338% | 5,009 |
| Net loans and leases to deposits | 54.5377% | 5,080 |
| Net loans and leases to core deposits | 55.4809% | 5,176 |
| Total domestic deposits to total assets | 86.6077% | 2,079 |
| Equity capital to assets | 8.7994% | 5,319 |
| Core capital (leverage) ratio | 8.4281% | 5,418 |
| Tier 1 risk-based capital ratio | 15.0849% | 3,009 |
| Total risk-based capital ratio | 15.7101% | 3,237 |
| Memoranda: | ||
| Average total assets | $60,554,750 | 5,175 |
| Average earning assets | $57,579,000 | 5,131 |
| Average equity | $5,096,250 | 5,509 |
| Average total loans | $26,057,250 | 5,369 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 4,791 |
| Cost of funding earning assets | 0.2039% | 5,104 |
| Net interest margin | 3.3241% | 4,142 |
| Noninterest income to average assets | 0.1738% | 5,451 |
| Noninterest expense to average assets | 2.6535% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6425% | 4,084 |
| Return on assets (ROA) | 0.6986% | 3,952 |
| Pretax return on assets | 0.7347% | 4,515 |
| Return on Equity (ROE) | 8.4256% | 2,782 |
| Retained earnings to average equity (ytd only) | 1.3054% | 4,866 |
| Net charge-offs to loans | -0.0079% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7044% | 1,530 |
| Assets per employee ($millions) | 4.5461% | 2,944 |
| Cash dividends to net income (ytd only)* | 84.5070% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 5,332 |
| Loan loss allowance to noncurrent loans | 24.3337% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 1,327 |
| Noncurrent loans to loans | 3.1883% | 445 |
| Net loans and leases to total assets | 45.4458% | 5,162 |
| Net loans and leases to deposits | 50.6258% | 5,308 |
| Net loans and leases to core deposits | 51.4659% | 5,383 |
| Total domestic deposits to total assets | 89.7680% | 575 |
| Equity capital to assets | 8.7751% | 5,424 |
| Core capital (leverage) ratio | 7.9606% | 5,747 |
| Tier 1 risk-based capital ratio | 14.6071% | 3,252 |
| Total risk-based capital ratio | 15.2321% | 3,536 |
| Memoranda: | ||
| Average total assets | $60,977,000 | 5,223 |
| Average earning assets | $57,879,670 | 5,174 |
| Average equity | $5,056,000 | 5,575 |
| Average total loans | $25,339,330 | 5,449 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 5,168 |
| Cost of funding earning assets | 0.1988% | 5,214 |
| Net interest margin | 3.1814% | 4,638 |
| Noninterest income to average assets | 0.1874% | 5,382 |
| Noninterest expense to average assets | 2.6423% | 3,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5168% | 4,554 |
| Return on assets (ROA) | 0.5168% | 4,663 |
| Pretax return on assets | 0.5427% | 4,972 |
| Return on Equity (ROE) | 6.4115% | 3,775 |
| Retained earnings to average equity (ytd only) | -1.6029% | 5,346 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9615% | 1,264 |
| Assets per employee ($millions) | 4.6671% | 2,794 |
| Cash dividends to net income (ytd only)* | 125.0000% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 5,266 |
| Loan loss allowance to noncurrent loans | 38.0000% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 2,425 |
| Noncurrent loans to loans | 2.2033% | 928 |
| Net loans and leases to total assets | 40.7997% | 5,411 |
| Net loans and leases to deposits | 44.5833% | 5,566 |
| Net loans and leases to core deposits | 45.2872% | 5,617 |
| Total domestic deposits to total assets | 91.5134% | 154 |
| Equity capital to assets | 8.3234% | 5,682 |
| Core capital (leverage) ratio | 7.9777% | 5,782 |
| Tier 1 risk-based capital ratio | 15.1016% | 3,104 |
| Total risk-based capital ratio | 15.7517% | 3,330 |
| Memoranda: | ||
| Average total assets | $61,916,000 | 5,244 |
| Average earning assets | $58,340,000 | 5,206 |
| Average equity | $4,991,000 | 5,625 |
| Average total loans | $24,475,000 | 5,533 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4205% | 5,114 |
| Cost of funding earning assets | 0.2130% | 5,167 |
| Net interest margin | 3.2075% | 4,604 |
| Noninterest income to average assets | 0.3401% | 4,477 |
| Noninterest expense to average assets | 2.4978% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8335% | 3,184 |
| Return on assets (ROA) | 0.8834% | 3,050 |
| Pretax return on assets | 0.9274% | 3,736 |
| Return on Equity (ROE) | 10.5140% | 1,797 |
| Retained earnings to average equity (ytd only) | 1.6516% | 4,785 |
| Net charge-offs to loans | 0.0644% | 2,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 34.4667% | 1,312 |
| Efficiency ratio | 74.0592% | 2,569 |
| Assets per employee ($millions) | 4.8585% | 2,520 |
| Cash dividends to net income (ytd only)* | 84.2912% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 5,196 |
| Loan loss allowance to noncurrent loans | 36.1592% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 2,380 |
| Noncurrent loans to loans | 2.4096% | 781 |
| Net loans and leases to total assets | 37.6472% | 5,638 |
| Net loans and leases to deposits | 40.9021% | 5,743 |
| Net loans and leases to core deposits | 41.5126% | 5,779 |
| Total domestic deposits to total assets | 92.0424% | 110 |
| Equity capital to assets | 7.8087% | 5,918 |
| Core capital (leverage) ratio | 8.1541% | 5,730 |
| Tier 1 risk-based capital ratio | 15.2903% | 3,041 |
| Total risk-based capital ratio | 15.9458% | 3,261 |
| Memoranda: | ||
| Average total assets | $59,093,000 | 5,340 |
| Average earning assets | $55,869,400 | 5,298 |
| Average equity | $4,964,800 | 5,664 |
| Average total loans | $23,283,400 | 5,613 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 5,125 |
| Cost of funding earning assets | 0.2148% | 5,237 |
| Net interest margin | 3.2215% | 4,605 |
| Noninterest income to average assets | 0.3490% | 4,443 |
| Noninterest expense to average assets | 2.4634% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9035% | 2,949 |
| Return on assets (ROA) | 0.9711% | 2,703 |
| Pretax return on assets | 1.0216% | 3,533 |
| Return on Equity (ROE) | 11.3410% | 1,590 |
| Retained earnings to average equity (ytd only) | 1.6891% | 5,024 |
| Net charge-offs to loans | 0.0173% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 137.9975% | 495 |
| Efficiency ratio | 72.1587% | 2,849 |
| Assets per employee ($millions) | 4.3595% | 3,232 |
| Cash dividends to net income (ytd only)* | 85.1061% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 4,963 |
| Loan loss allowance to noncurrent loans | 35.8185% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 2,181 |
| Noncurrent loans to loans | 2.6636% | 731 |
| Net loans and leases to total assets | 40.4831% | 5,566 |
| Net loans and leases to deposits | 44.4718% | 5,705 |
| Net loans and leases to core deposits | 45.2177% | 5,757 |
| Total domestic deposits to total assets | 91.0310% | 235 |
| Equity capital to assets | 8.7643% | 5,520 |
| Core capital (leverage) ratio | 8.6014% | 5,464 |
| Tier 1 risk-based capital ratio | 15.4768% | 3,062 |
| Total risk-based capital ratio | 16.1812% | 3,279 |
| Memoranda: | ||
| Average total assets | $58,076,250 | 5,429 |
| Average earning assets | $55,251,750 | 5,380 |
| Average equity | $4,973,000 | 5,732 |
| Average total loans | $23,107,500 | 5,691 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 5,179 |
| Cost of funding earning assets | 0.2157% | 5,300 |
| Net interest margin | 3.2065% | 4,642 |
| Noninterest income to average assets | 0.2562% | 5,122 |
| Noninterest expense to average assets | 2.3606% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8831% | 2,973 |
| Return on assets (ROA) | 0.9634% | 2,680 |
| Pretax return on assets | 1.0283% | 3,465 |
| Return on Equity (ROE) | 11.3367% | 1,575 |
| Retained earnings to average equity (ytd only) | 0.8844% | 5,209 |
| Net charge-offs to loans | 0.0520% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 1,020 |
| Efficiency ratio | 71.4581% | 3,081 |
| Assets per employee ($millions) | 4.2906% | 3,320 |
| Cash dividends to net income (ytd only)* | 92.1986% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 5,027 |
| Loan loss allowance to noncurrent loans | 117.2043% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 4,545 |
| Noncurrent loans to loans | 0.8237% | 3,062 |
| Net loans and leases to total assets | 40.0929% | 5,625 |
| Net loans and leases to deposits | 44.0520% | 5,764 |
| Net loans and leases to core deposits | 44.7968% | 5,814 |
| Total domestic deposits to total assets | 91.0126% | 290 |
| Equity capital to assets | 8.7848% | 5,444 |
| Core capital (leverage) ratio | 8.1373% | 5,840 |
| Tier 1 risk-based capital ratio | 15.9300% | 2,888 |
| Total risk-based capital ratio | 16.6512% | 3,096 |
| Memoranda: | ||
| Average total assets | $58,544,000 | 5,475 |
| Average earning assets | $55,636,670 | 5,422 |
| Average equity | $4,975,000 | 5,784 |
| Average total loans | $23,088,670 | 5,743 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 5,318 |
| Cost of funding earning assets | 0.2048% | 5,467 |
| Net interest margin | 3.1491% | 4,789 |
| Noninterest income to average assets | 0.2803% | 4,935 |
| Noninterest expense to average assets | 2.2361% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9695% | 2,397 |
| Return on assets (ROA) | 1.1280% | 1,865 |
| Pretax return on assets | 1.1881% | 2,719 |
| Return on Equity (ROE) | 13.4863% | 987 |
| Retained earnings to average equity (ytd only) | 5.5062% | 2,773 |
| Net charge-offs to loans | 0.3427% | 714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.6500% | 2,153 |
| Efficiency ratio | 68.6475% | 3,718 |
| Assets per employee ($millions) | 4.6322% | 2,855 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 5,353 |
| Loan loss allowance to noncurrent loans | 161.9048% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 5,111 |
| Noncurrent loans to loans | 0.5713% | 3,871 |
| Net loans and leases to total assets | 36.2882% | 5,814 |
| Net loans and leases to deposits | 39.7208% | 5,926 |
| Net loans and leases to core deposits | 40.3374% | 5,963 |
| Total domestic deposits to total assets | 91.3581% | 262 |
| Equity capital to assets | 8.4427% | 5,777 |
| Core capital (leverage) ratio | 8.1936% | 5,811 |
| Tier 1 risk-based capital ratio | 15.5484% | 3,122 |
| Total risk-based capital ratio | 15.5484% | 3,755 |
| Memoranda: | ||
| Average total assets | $59,927,000 | 5,504 |
| Average earning assets | $56,651,000 | 5,452 |
| Average equity | $5,012,500 | 5,832 |
| Average total loans | $23,342,500 | 5,780 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 5,252 |
| Cost of funding earning assets | 0.2271% | 5,544 |
| Net interest margin | 3.3011% | 4,562 |
| Noninterest income to average assets | 0.2740% | 5,158 |
| Noninterest expense to average assets | 2.4596% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9061% | 2,841 |
| Return on assets (ROA) | 0.9173% | 2,887 |
| Pretax return on assets | 0.9591% | 3,652 |
| Return on Equity (ROE) | 11.7313% | 1,483 |
| Retained earnings to average equity (ytd only) | 5.2139% | 2,456 |
| Net charge-offs to loans | 0.0126% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 281 |
| Efficiency ratio | 72.1923% | 3,172 |
| Assets per employee ($millions) | 4.5874% | 2,891 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 5,447 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 5,901 |
| Noncurrent loans to loans | 0.0853% | 5,542 |
| Net loans and leases to total assets | 40.9233% | 5,692 |
| Net loans and leases to deposits | 44.7134% | 5,855 |
| Net loans and leases to core deposits | 45.1970% | 5,921 |
| Total domestic deposits to total assets | 91.5236% | 220 |
| Equity capital to assets | 8.2853% | 5,901 |
| Core capital (leverage) ratio | 8.1215% | 5,912 |
| Tier 1 risk-based capital ratio | 15.3028% | 3,311 |
| Total risk-based capital ratio | 16.0180% | 3,552 |
| Memoranda: | ||
| Average total assets | $59,848,200 | 5,553 |
| Average earning assets | $56,798,400 | 5,499 |
| Average equity | $4,679,800 | 5,934 |
| Average total loans | $23,800,600 | 5,828 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5177% | 5,354 |
| Cost of funding earning assets | 0.2289% | 5,598 |
| Net interest margin | 3.2888% | 4,648 |
| Noninterest income to average assets | 0.2337% | 5,536 |
| Noninterest expense to average assets | 2.3527% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9733% | 2,580 |
| Return on assets (ROA) | 0.9883% | 2,573 |
| Pretax return on assets | 1.0306% | 3,465 |
| Return on Equity (ROE) | 12.8289% | 1,255 |
| Retained earnings to average equity (ytd only) | 7.4834% | 1,580 |
| Net charge-offs to loans | -0.0113% | 5,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8612% | 3,535 |
| Assets per employee ($millions) | 4.3494% | 3,211 |
| Cash dividends to net income (ytd only)* | 41.6662% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 5,269 |
| Loan loss allowance to noncurrent loans | 90.1575% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 4,377 |
| Noncurrent loans to loans | 1.0948% | 2,879 |
| Net loans and leases to total assets | 40.6264% | 5,778 |
| Net loans and leases to deposits | 44.5459% | 5,945 |
| Net loans and leases to core deposits | 45.0535% | 5,996 |
| Total domestic deposits to total assets | 91.2012% | 305 |
| Equity capital to assets | 8.6166% | 5,709 |
| Core capital (leverage) ratio | 8.3000% | 5,837 |
| Tier 1 risk-based capital ratio | 16.2169% | 2,947 |
| Total risk-based capital ratio | 16.9893% | 3,128 |
| Memoranda: | ||
| Average total assets | $59,901,250 | 5,612 |
| Average earning assets | $57,081,000 | 5,542 |
| Average equity | $4,614,500 | 6,015 |
| Average total loans | $23,593,500 | 5,896 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4412% | 5,539 |
| Cost of funding earning assets | 0.2235% | 5,716 |
| Net interest margin | 3.2177% | 4,883 |
| Noninterest income to average assets | 0.1999% | 5,761 |
| Noninterest expense to average assets | 2.2910% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9287% | 2,667 |
| Return on assets (ROA) | 0.9505% | 2,643 |
| Pretax return on assets | 0.9997% | 3,480 |
| Return on Equity (ROE) | 12.8073% | 1,230 |
| Retained earnings to average equity (ytd only) | 7.7285% | 1,418 |
| Net charge-offs to loans | 0.0337% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 703 |
| Efficiency ratio | 70.1103% | 3,639 |
| Assets per employee ($millions) | 4.5030% | 2,915 |
| Cash dividends to net income (ytd only)* | 39.6552% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 5,641 |
| Loan loss allowance to noncurrent loans | 22,300.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 5,880 |
| Noncurrent loans to loans | 0.0042% | 6,094 |
| Net loans and leases to total assets | 40.7489% | 5,764 |
| Net loans and leases to deposits | 45.4934% | 5,909 |
| Net loans and leases to core deposits | 45.9969% | 5,996 |
| Total domestic deposits to total assets | 89.5711% | 1,039 |
| Equity capital to assets | 8.1775% | 6,041 |
| Core capital (leverage) ratio | 7.6290% | 6,265 |
| Tier 1 risk-based capital ratio | 15.2826% | 3,480 |
| Total risk-based capital ratio | 16.0040% | 3,727 |
| Memoranda: | ||
| Average total assets | $61,021,000 | 5,634 |
| Average earning assets | $58,177,330 | 5,556 |
| Average equity | $4,528,670 | 6,085 |
| Average total loans | $23,724,670 | 5,939 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3747% | 5,703 |
| Cost of funding earning assets | 0.2223% | 5,829 |
| Net interest margin | 3.1524% | 5,083 |
| Noninterest income to average assets | 0.1863% | 5,848 |
| Noninterest expense to average assets | 2.2678% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8802% | 2,743 |
| Return on assets (ROA) | 0.8802% | 2,810 |
| Pretax return on assets | 0.9251% | 3,606 |
| Return on Equity (ROE) | 12.4560% | 1,294 |
| Retained earnings to average equity (ytd only) | 7.4554% | 1,840 |
| Net charge-offs to loans | -0.0170% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0262% | 3,649 |
| Assets per employee ($millions) | 4.8400% | 2,454 |
| Cash dividends to net income (ytd only)* | 40.1460% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 5,457 |
| Loan loss allowance to noncurrent loans | 2,072.7273% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 5,715 |
| Noncurrent loans to loans | 0.0490% | 6,002 |
| Net loans and leases to total assets | 35.3163% | 6,107 |
| Net loans and leases to deposits | 38.1653% | 6,239 |
| Net loans and leases to core deposits | 38.5433% | 6,293 |
| Total domestic deposits to total assets | 92.5350% | 163 |
| Equity capital to assets | 7.2648% | 6,386 |
| Core capital (leverage) ratio | 7.3883% | 6,376 |
| Tier 1 risk-based capital ratio | 14.5757% | 3,963 |
| Total risk-based capital ratio | 15.2933% | 4,238 |
| Memoranda: | ||
| Average total assets | $62,262,000 | 5,658 |
| Average earning assets | $59,382,500 | 5,577 |
| Average equity | $4,399,500 | 6,160 |
| Average total loans | $23,548,500 | 6,003 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 5,594 |
| Cost of funding earning assets | 0.2360% | 6,057 |
| Net interest margin | 3.2872% | 4,712 |
| Noninterest income to average assets | 0.0994% | 6,388 |
| Noninterest expense to average assets | 2.3152% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8551% | 3,004 |
| Return on assets (ROA) | 0.8551% | 3,082 |
| Pretax return on assets | 0.8999% | 3,764 |
| Return on Equity (ROE) | 11.7894% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.1917% | 1,855 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0103% | 3,471 |
| Assets per employee ($millions) | 4.1069% | 3,633 |
| Cash dividends to net income (ytd only)* | 47.4806% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 5,855 |
| Loan loss allowance to noncurrent loans | 709.3750% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 5,509 |
| Noncurrent loans to loans | 0.1298% | 5,815 |
| Net loans and leases to total assets | 39.6419% | 5,989 |
| Net loans and leases to deposits | 43.4012% | 6,152 |
| Net loans and leases to core deposits | 43.8414% | 6,234 |
| Total domestic deposits to total assets | 91.3382% | 459 |
| Equity capital to assets | 6.8632% | 6,490 |
| Core capital (leverage) ratio | 7.5444% | 6,354 |
| Tier 1 risk-based capital ratio | 14.1608% | 4,181 |
| Total risk-based capital ratio | 14.8674% | 4,520 |
| Memoranda: | ||
| Average total assets | $60,341,200 | 5,743 |
| Average earning assets | $57,192,200 | 5,675 |
| Average equity | $4,376,800 | 6,242 |
| Average total loans | $24,147,400 | 6,024 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5056% | 5,678 |
| Cost of funding earning assets | 0.2397% | 6,159 |
| Net interest margin | 3.2660% | 4,767 |
| Noninterest income to average assets | 0.0711% | 6,572 |
| Noninterest expense to average assets | 2.3034% | 5,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8130% | 3,278 |
| Return on assets (ROA) | 0.8130% | 3,408 |
| Pretax return on assets | 0.8552% | 4,072 |
| Return on Equity (ROE) | 11.0555% | 1,801 |
| Retained earnings to average equity (ytd only) | 5.4674% | 2,739 |
| Net charge-offs to loans | 0.0555% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 38.5086% | 1,034 |
| Efficiency ratio | 72.9255% | 3,235 |
| Assets per employee ($millions) | 3.9899% | 3,847 |
| Cash dividends to net income (ytd only)* | 50.5461% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 6,027 |
| Loan loss allowance to noncurrent loans | 723.3333% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 5,443 |
| Noncurrent loans to loans | 0.1262% | 5,943 |
| Net loans and leases to total assets | 39.3731% | 6,082 |
| Net loans and leases to deposits | 43.7610% | 6,213 |
| Net loans and leases to core deposits | 44.2226% | 6,295 |
| Total domestic deposits to total assets | 89.9729% | 1,012 |
| Equity capital to assets | 6.9392% | 6,568 |
| Core capital (leverage) ratio | 7.4996% | 6,445 |
| Tier 1 risk-based capital ratio | 14.5999% | 4,016 |
| Total risk-based capital ratio | 15.3112% | 4,332 |
| Memoranda: | ||
| Average total assets | $60,025,500 | 5,820 |
| Average earning assets | $56,745,500 | 5,746 |
| Average equity | $4,414,000 | 6,304 |
| Average total loans | $24,022,250 | 6,093 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 5,797 |
| Cost of funding earning assets | 0.2369% | 6,256 |
| Net interest margin | 3.2100% | 4,911 |
| Noninterest income to average assets | 0.0266% | 6,738 |
| Noninterest expense to average assets | 2.3434% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6691% | 3,970 |
| Return on assets (ROA) | 0.6691% | 4,127 |
| Pretax return on assets | 0.7057% | 4,667 |
| Return on Equity (ROE) | 8.9313% | 2,645 |
| Retained earnings to average equity (ytd only) | 2.9327% | 4,444 |
| Net charge-offs to loans | -0.0249% | 6,045 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8559% | 2,659 |
| Assets per employee ($millions) | 4.2271% | 3,300 |
| Cash dividends to net income (ytd only)* | 67.1642% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 5,983 |
| Loan loss allowance to noncurrent loans | 920.0000% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 3,993 |
| Noncurrent loans to loans | 0.1035% | 6,087 |
| Net loans and leases to total assets | 40.4224% | 6,016 |
| Net loans and leases to deposits | 46.4812% | 6,075 |
| Net loans and leases to core deposits | 46.9879% | 6,182 |
| Total domestic deposits to total assets | 86.9652% | 2,839 |
| Equity capital to assets | 7.0666% | 6,589 |
| Core capital (leverage) ratio | 7.1673% | 6,572 |
| Tier 1 risk-based capital ratio | 14.0703% | 4,374 |
| Total risk-based capital ratio | 14.8161% | 4,692 |
| Memoranda: | ||
| Average total assets | $60,084,670 | 5,853 |
| Average earning assets | $56,573,330 | 5,787 |
| Average equity | $4,501,000 | 6,331 |
| Average total loans | $24,102,670 | 6,118 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4209% | 5,898 |
| Cost of funding earning assets | 0.2398% | 6,352 |
| Net interest margin | 3.1811% | 4,993 |
| Noninterest income to average assets | -0.1454% | 6,937 |
| Noninterest expense to average assets | 2.3655% | 5,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4427% | 4,947 |
| Return on assets (ROA) | 0.4427% | 5,108 |
| Pretax return on assets | 0.4691% | 5,361 |
| Return on Equity (ROE) | 5.7505% | 4,177 |
| Retained earnings to average equity (ytd only) | 1.4591% | 5,257 |
| Net charge-offs to loans | -0.0332% | 5,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4499% | 1,838 |
| Assets per employee ($millions) | 4.0399% | 3,864 |
| Cash dividends to net income (ytd only)* | 74.6269% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 5,936 |
| Loan loss allowance to noncurrent loans | 995.6522% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 4,033 |
| Noncurrent loans to loans | 0.1020% | 6,171 |
| Net loans and leases to total assets | 36.8488% | 6,239 |
| Net loans and leases to deposits | 40.0072% | 6,416 |
| Net loans and leases to core deposits | 40.4068% | 6,466 |
| Total domestic deposits to total assets | 92.1055% | 230 |
| Equity capital to assets | 7.7031% | 6,523 |
| Core capital (leverage) ratio | 7.0438% | 6,630 |
| Tier 1 risk-based capital ratio | 14.3965% | 4,245 |
| Total risk-based capital ratio | 15.1649% | 4,527 |
| Memoranda: | ||
| Average total assets | $60,537,000 | 5,896 |
| Average earning assets | $56,710,500 | 5,833 |
| Average equity | $4,660,500 | 6,351 |
| Average total loans | $24,078,000 | 6,168 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 5,320 |
| Cost of funding earning assets | 0.3251% | 6,333 |
| Net interest margin | 3.6708% | 3,780 |
| Noninterest income to average assets | -0.0482% | 6,879 |
| Noninterest expense to average assets | 2.5304% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8305% | 3,138 |
| Return on assets (ROA) | 0.8305% | 3,389 |
| Pretax return on assets | 0.8750% | 4,011 |
| Return on Equity (ROE) | 10.4619% | 1,986 |
| Retained earnings to average equity (ytd only) | 4.9040% | 2,760 |
| Net charge-offs to loans | 0.0082% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 177 |
| Efficiency ratio | 74.3059% | 3,022 |
| Assets per employee ($millions) | 4.0317% | 3,886 |
| Cash dividends to net income (ytd only)* | 53.1250% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 6,292 |
| Loan loss allowance to noncurrent loans | 7,566.6667% | 97 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 3,998 |
| Noncurrent loans to loans | 0.0117% | 6,524 |
| Net loans and leases to total assets | 41.9512% | 6,015 |
| Net loans and leases to deposits | 45.5394% | 6,280 |
| Net loans and leases to core deposits | 45.7827% | 6,386 |
| Total domestic deposits to total assets | 92.1207% | 223 |
| Equity capital to assets | 7.6941% | 6,557 |
| Core capital (leverage) ratio | 7.5120% | 6,500 |
| Tier 1 risk-based capital ratio | 14.0749% | 4,325 |
| Total risk-based capital ratio | 14.8226% | 4,650 |
| Memoranda: | ||
| Average total assets | $53,944,400 | 6,091 |
| Average earning assets | $50,752,000 | 6,018 |
| Average equity | $4,282,200 | 6,503 |
| Average total loans | $24,318,400 | 6,231 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 5,515 |
| Cost of funding earning assets | 0.3445% | 6,405 |
| Net interest margin | 3.6575% | 3,972 |
| Noninterest income to average assets | -0.1580% | 7,057 |
| Noninterest expense to average assets | 2.5768% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6933% | 3,944 |
| Return on assets (ROA) | 0.6933% | 4,198 |
| Pretax return on assets | 0.7290% | 4,749 |
| Return on Equity (ROE) | 8.6564% | 2,974 |
| Retained earnings to average equity (ytd only) | 3.1507% | 4,658 |
| Net charge-offs to loans | 0.0167% | 5,451 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 95.3300% | 442 |
| Efficiency ratio | 77.9491% | 2,407 |
| Assets per employee ($millions) | 3.7173% | 4,503 |
| Cash dividends to net income (ytd only)* | 63.6023% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,344 |
| Loan loss allowance to noncurrent loans | 33.7818% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 1.7342% | 3,005 |
| Noncurrent loans to loans | 2.7043% | 2,096 |
| Net loans and leases to total assets | 43.9598% | 5,973 |
| Net loans and leases to deposits | 47.9997% | 6,256 |
| Net loans and leases to core deposits | 48.2757% | 6,398 |
| Total domestic deposits to total assets | 91.5836% | 272 |
| Equity capital to assets | 8.2281% | 6,470 |
| Core capital (leverage) ratio | 7.4585% | 6,642 |
| Tier 1 risk-based capital ratio | 14.4194% | 4,243 |
| Total risk-based capital ratio | 15.2026% | 4,512 |
| Memoranda: | ||
| Average total assets | $52,311,750 | 6,210 |
| Average earning assets | $49,540,500 | 6,134 |
| Average equity | $4,189,500 | 6,602 |
| Average total loans | $23,998,750 | 6,328 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 5,795 |
| Cost of funding earning assets | 0.3598% | 6,468 |
| Net interest margin | 3.5854% | 4,325 |
| Noninterest income to average assets | -0.4144% | 7,181 |
| Noninterest expense to average assets | 2.6074% | 4,751 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3479% | 5,439 |
| Return on assets (ROA) | 0.3479% | 5,664 |
| Pretax return on assets | 0.3675% | 5,788 |
| Return on Equity (ROE) | 4.3878% | 5,097 |
| Retained earnings to average equity (ytd only) | -1.6763% | 6,316 |
| Net charge-offs to loans | 0.0084% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 454 |
| Efficiency ratio | 87.6478% | 1,266 |
| Assets per employee ($millions) | 3.6085% | 4,739 |
| Cash dividends to net income (ytd only)* | 138.2022% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 6,329 |
| Loan loss allowance to noncurrent loans | 712.5000% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.6097% | 5,241 |
| Noncurrent loans to loans | 0.1333% | 6,329 |
| Net loans and leases to total assets | 43.9319% | 6,019 |
| Net loans and leases to deposits | 47.8807% | 6,317 |
| Net loans and leases to core deposits | 48.1590% | 6,451 |
| Total domestic deposits to total assets | 91.7527% | 268 |
| Equity capital to assets | 8.0625% | 6,533 |
| Core capital (leverage) ratio | 7.2835% | 6,727 |
| Tier 1 risk-based capital ratio | 14.6149% | 4,026 |
| Total risk-based capital ratio | 15.4421% | 4,272 |
| Memoranda: | ||
| Average total assets | $51,162,330 | 6,286 |
| Average earning assets | $48,362,670 | 6,224 |
| Average equity | $4,056,670 | 6,661 |
| Average total loans | $23,752,330 | 6,378 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 5,805 |
| Cost of funding earning assets | 0.3859% | 6,482 |
| Net interest margin | 3.6014% | 4,267 |
| Noninterest income to average assets | 0.1127% | 6,680 |
| Noninterest expense to average assets | 2.7295% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7327% | 3,723 |
| Return on assets (ROA) | 0.7327% | 3,957 |
| Pretax return on assets | 0.7649% | 4,549 |
| Return on Equity (ROE) | 9.3262% | 2,670 |
| Retained earnings to average equity (ytd only) | 4.2019% | 4,070 |
| Net charge-offs to loans | -0.0169% | 6,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1106% | 2,484 |
| Assets per employee ($millions) | 3.5977% | 4,885 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 6,069 |
| Loan loss allowance to noncurrent loans | 1,095.2381% | 363 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 4,442 |
| Noncurrent loans to loans | 0.0961% | 6,520 |
| Net loans and leases to total assets | 40.0852% | 6,346 |
| Net loans and leases to deposits | 43.3064% | 6,594 |
| Net loans and leases to core deposits | 43.5541% | 6,675 |
| Total domestic deposits to total assets | 92.5618% | 179 |
| Equity capital to assets | 7.2603% | 6,861 |
| Core capital (leverage) ratio | 6.8754% | 6,882 |
| Tier 1 risk-based capital ratio | 14.0803% | 4,411 |
| Total risk-based capital ratio | 14.9791% | 4,646 |
| Memoranda: | ||
| Average total assets | $49,680,000 | 6,378 |
| Average earning assets | $46,648,000 | 6,311 |
| Average equity | $3,903,000 | 6,748 |
| Average total loans | $23,625,000 | 6,438 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 2,199 |
| Cost of funding earning assets | 0.5069% | 6,498 |
| Net interest margin | 4.6586% | 817 |
| Noninterest income to average assets | 0.2800% | 5,525 |
| Noninterest expense to average assets | 3.2711% | 2,615 |
| Loan and lease loss provision to assets | 0.2617% | 3,600 |
| Net operating income to assets | 0.9996% | 2,198 |
| Return on assets (ROA) | 1.0628% | 2,090 |
| Pretax return on assets | 1.1179% | 2,772 |
| Return on Equity (ROE) | 12.7121% | 1,227 |
| Retained earnings to average equity (ytd only) | 7.2209% | 1,400 |
| Net charge-offs to loans | 1.0017% | 1,733 |
| Credit loss provision to net charge-offs | 43.5115% | 5,561 |
| Earnings coverage of net charge-offs (x) | 2.1832% | 4,149 |
| Efficiency ratio | 71.3570% | 3,724 |
| Assets per employee ($millions) | 3.0263% | 6,027 |
| Cash dividends to net income (ytd only)* | 43.1965% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,530 |
| Loan loss allowance to noncurrent loans | 352.3077% | 941 |
| Noncurrent assets plus other real estate owned to assets | 1.4473% | 3,815 |
| Noncurrent loans to loans | 0.2560% | 6,218 |
| Net loans and leases to total assets | 55.4224% | 4,808 |
| Net loans and leases to deposits | 60.7661% | 5,398 |
| Net loans and leases to core deposits | 61.1784% | 5,735 |
| Total domestic deposits to total assets | 91.2061% | 426 |
| Equity capital to assets | 8.5648% | 6,058 |
| Core capital (leverage) ratio | 7.6810% | 6,547 |
| Tier 1 risk-based capital ratio | 13.4751% | 4,709 |
| Total risk-based capital ratio | 14.3414% | 4,972 |
| Memoranda: | ||
| Average total assets | $43,563,800 | 6,550 |
| Average earning assets | $40,247,800 | 6,518 |
| Average equity | $3,642,200 | 6,843 |
| Average total loans | $26,156,600 | 6,345 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 2,189 |
| Cost of funding earning assets | 0.5267% | 6,595 |
| Net interest margin | 4.6797% | 798 |
| Noninterest income to average assets | 0.3433% | 5,117 |
| Noninterest expense to average assets | 3.2910% | 2,525 |
| Loan and lease loss provision to assets | 0.3310% | 2,895 |
| Net operating income to assets | 0.9850% | 2,376 |
| Return on assets (ROA) | 1.0702% | 2,217 |
| Pretax return on assets | 1.1259% | 2,910 |
| Return on Equity (ROE) | 12.8833% | 1,309 |
| Retained earnings to average equity (ytd only) | 6.9256% | 2,014 |
| Net charge-offs to loans | 1.3308% | 1,142 |
| Credit loss provision to net charge-offs | 40.6844% | 5,226 |
| Earnings coverage of net charge-offs (x) | 1.6806% | 4,393 |
| Efficiency ratio | 70.6507% | 3,825 |
| Assets per employee ($millions) | 2.9628% | 6,203 |
| Cash dividends to net income (ytd only)* | 46.2434% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 6,693 |
| Loan loss allowance to noncurrent loans | 78.6477% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 2.1939% | 2,901 |
| Noncurrent loans to loans | 1.0986% | 4,719 |
| Net loans and leases to total assets | 57.0586% | 4,673 |
| Net loans and leases to deposits | 62.5413% | 5,338 |
| Net loans and leases to core deposits | 62.9700% | 5,720 |
| Total domestic deposits to total assets | 91.2335% | 369 |
| Equity capital to assets | 8.5550% | 6,244 |
| Core capital (leverage) ratio | 8.1476% | 6,206 |
| Tier 1 risk-based capital ratio | 13.1815% | 4,961 |
| Total risk-based capital ratio | 14.0176% | 5,260 |
| Memoranda: | ||
| Average total assets | $43,106,000 | 6,623 |
| Average earning assets | $39,745,250 | 6,599 |
| Average equity | $3,580,750 | 6,914 |
| Average total loans | $26,348,750 | 6,395 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 1,978 |
| Cost of funding earning assets | 0.5505% | 6,663 |
| Net interest margin | 4.7248% | 691 |
| Noninterest income to average assets | 0.3375% | 5,187 |
| Noninterest expense to average assets | 3.2020% | 2,889 |
| Loan and lease loss provision to assets | 0.4126% | 2,367 |
| Net operating income to assets | 1.0173% | 2,156 |
| Return on assets (ROA) | 1.0173% | 2,250 |
| Pretax return on assets | 1.0689% | 2,970 |
| Return on Equity (ROE) | 12.3752% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.5318% | 2,675 |
| Net charge-offs to loans | 1.6613% | 875 |
| Credit loss provision to net charge-offs | 39.8190% | 4,819 |
| Earnings coverage of net charge-offs (x) | 1.4299% | 4,215 |
| Efficiency ratio | 68.3684% | 4,447 |
| Assets per employee ($millions) | 2.8515% | 6,383 |
| Cash dividends to net income (ytd only)* | 55.2995% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,477 |
| Loan loss allowance to noncurrent loans | 89.0511% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 2.4599% | 2,707 |
| Noncurrent loans to loans | 1.0797% | 4,864 |
| Net loans and leases to total assets | 62.9593% | 3,686 |
| Net loans and leases to deposits | 69.5520% | 4,493 |
| Net loans and leases to core deposits | 70.0756% | 5,066 |
| Total domestic deposits to total assets | 90.5213% | 708 |
| Equity capital to assets | 9.2382% | 5,222 |
| Core capital (leverage) ratio | 7.9797% | 6,323 |
| Tier 1 risk-based capital ratio | 13.0440% | 4,882 |
| Total risk-based capital ratio | 13.9812% | 5,126 |
| Memoranda: | ||
| Average total assets | $42,660,670 | 6,692 |
| Average earning assets | $39,240,000 | 6,673 |
| Average equity | $3,507,000 | 6,980 |
| Average total loans | $26,605,330 | 6,444 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 2,219 |
| Cost of funding earning assets | 0.5722% | 6,719 |
| Net interest margin | 4.6272% | 819 |
| Noninterest income to average assets | 0.3180% | 5,380 |
| Noninterest expense to average assets | 3.0797% | 3,336 |
| Loan and lease loss provision to assets | 0.7086% | 1,197 |
| Net operating income to assets | 0.7540% | 3,256 |
| Return on assets (ROA) | 0.7540% | 3,318 |
| Pretax return on assets | 0.7904% | 3,933 |
| Return on Equity (ROE) | 9.7175% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.8636% | 3,852 |
| Net charge-offs to loans | 3.3359% | 308 |
| Credit loss provision to net charge-offs | 34.3612% | 4,047 |
| Earnings coverage of net charge-offs (x) | 0.7269% | 4,089 |
| Efficiency ratio | 67.2619% | 4,799 |
| Assets per employee ($millions) | 2.9535% | 6,234 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 6,667 |
| Loan loss allowance to noncurrent loans | 506.6667% | 632 |
| Noncurrent assets plus other real estate owned to assets | 1.7019% | 3,701 |
| Noncurrent loans to loans | 0.1800% | 6,607 |
| Net loans and leases to total assets | 55.9104% | 5,007 |
| Net loans and leases to deposits | 60.7778% | 5,646 |
| Net loans and leases to core deposits | 61.7891% | 5,946 |
| Total domestic deposits to total assets | 91.9915% | 287 |
| Equity capital to assets | 7.7783% | 6,692 |
| Core capital (leverage) ratio | 7.5542% | 6,693 |
| Tier 1 risk-based capital ratio | 11.9779% | 5,711 |
| Total risk-based capital ratio | 12.7975% | 6,046 |
| Memoranda: | ||
| Average total assets | $44,030,500 | 6,694 |
| Average earning assets | $40,542,500 | 6,665 |
| Average equity | $3,416,500 | 7,036 |
| Average total loans | $27,219,000 | 6,457 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7284% | 1,473 |
| Cost of funding earning assets | 0.9969% | 5,712 |
| Net interest margin | 4.7315% | 760 |
| Noninterest income to average assets | 0.4276% | 4,692 |
| Noninterest expense to average assets | 3.3132% | 2,696 |
| Loan and lease loss provision to assets | 0.5397% | 2,991 |
| Net operating income to assets | 0.9392% | 2,244 |
| Return on assets (ROA) | 1.0257% | 2,058 |
| Pretax return on assets | 1.0795% | 2,665 |
| Return on Equity (ROE) | 13.3866% | 1,002 |
| Retained earnings to average equity (ytd only) | 10.0628% | 510 |
| Net charge-offs to loans | 0.7387% | 2,809 |
| Credit loss provision to net charge-offs | 106.4516% | 4,193 |
| Earnings coverage of net charge-offs (x) | 3.0138% | 3,563 |
| Efficiency ratio | 68.4363% | 4,467 |
| Assets per employee ($millions) | 2.9172% | 6,279 |
| Cash dividends to net income (ytd only)* | 24.8292% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 5,104 |
| Loan loss allowance to noncurrent loans | 203.7838% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 2.3516% | 2,918 |
| Noncurrent loans to loans | 0.6284% | 5,794 |
| Net loans and leases to total assets | 66.4176% | 3,376 |
| Net loans and leases to deposits | 73.9761% | 4,193 |
| Net loans and leases to core deposits | 75.2440% | 4,824 |
| Total domestic deposits to total assets | 89.7824% | 1,215 |
| Equity capital to assets | 7.7403% | 6,718 |
| Core capital (leverage) ratio | 7.7106% | 6,536 |
| Tier 1 risk-based capital ratio | 10.9518% | 6,363 |
| Total risk-based capital ratio | 12.2033% | 6,336 |
| Memoranda: | ||
| Average total assets | $42,799,000 | 6,773 |
| Average earning assets | $39,924,000 | 6,718 |
| Average equity | $3,279,400 | 7,200 |
| Average total loans | $29,377,600 | 6,430 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7359% | 1,589 |
| Cost of funding earning assets | 1.1038% | 5,395 |
| Net interest margin | 4.6320% | 973 |
| Noninterest income to average assets | 0.4543% | 4,524 |
| Noninterest expense to average assets | 3.2801% | 2,632 |
| Loan and lease loss provision to assets | 0.3916% | 3,545 |
| Net operating income to assets | 1.0744% | 1,988 |
| Return on assets (ROA) | 1.1905% | 1,707 |
| Pretax return on assets | 1.2562% | 2,316 |
| Return on Equity (ROE) | 15.5772% | 765 |
| Retained earnings to average equity (ytd only) | 13.1588% | 329 |
| Net charge-offs to loans | 0.6176% | 2,896 |
| Credit loss provision to net charge-offs | 91.9118% | 4,694 |
| Earnings coverage of net charge-offs (x) | 3.5809% | 3,386 |
| Efficiency ratio | 68.2529% | 4,416 |
| Assets per employee ($millions) | 2.5896% | 6,958 |
| Cash dividends to net income (ytd only)* | 15.5255% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 5,566 |
| Loan loss allowance to noncurrent loans | 32.7138% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 2.6983% | 2,675 |
| Noncurrent loans to loans | 3.6224% | 2,156 |
| Net loans and leases to total assets | 70.8421% | 2,523 |
| Net loans and leases to deposits | 82.6887% | 2,971 |
| Net loans and leases to core deposits | 82.6887% | 4,132 |
| Total domestic deposits to total assets | 85.6733% | 3,256 |
| Equity capital to assets | 8.4691% | 6,311 |
| Core capital (leverage) ratio | 7.8802% | 6,487 |
| Tier 1 risk-based capital ratio | 11.3195% | 6,084 |
| Total risk-based capital ratio | 12.5305% | 6,112 |
| Memoranda: | ||
| Average total assets | $42,559,250 | 6,865 |
| Average earning assets | $39,981,500 | 6,796 |
| Average equity | $3,252,500 | 7,294 |
| Average total loans | $29,362,000 | 6,514 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7159% | 1,702 |
| Cost of funding earning assets | 1.2046% | 5,103 |
| Net interest margin | 4.5112% | 1,180 |
| Noninterest income to average assets | 0.5543% | 3,673 |
| Noninterest expense to average assets | 3.2654% | 2,674 |
| Loan and lease loss provision to assets | 0.2329% | 4,587 |
| Net operating income to assets | 1.2321% | 1,476 |
| Return on assets (ROA) | 1.3649% | 1,228 |
| Pretax return on assets | 1.4347% | 1,739 |
| Return on Equity (ROE) | 18.5033% | 425 |
| Retained earnings to average equity (ytd only) | 14.7774% | 260 |
| Net charge-offs to loans | 0.0684% | 5,458 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 32.8000% | 861 |
| Efficiency ratio | 68.1244% | 4,562 |
| Assets per employee ($millions) | 2.6269% | 6,902 |
| Cash dividends to net income (ytd only)* | 20.1365% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,713 |
| Loan loss allowance to noncurrent loans | 40.4618% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 2.4863% | 2,896 |
| Noncurrent loans to loans | 3.3208% | 2,411 |
| Net loans and leases to total assets | 70.4004% | 2,815 |
| Net loans and leases to deposits | 78.8247% | 3,830 |
| Net loans and leases to core deposits | 78.8247% | 4,832 |
| Total domestic deposits to total assets | 89.3127% | 1,275 |
| Equity capital to assets | 7.9013% | 6,847 |
| Core capital (leverage) ratio | 7.1219% | 7,118 |
| Tier 1 risk-based capital ratio | 11.0368% | 6,200 |
| Total risk-based capital ratio | 12.2877% | 6,192 |
| Memoranda: | ||
| Average total assets | $42,934,670 | 6,898 |
| Average earning assets | $40,343,670 | 6,832 |
| Average equity | $3,167,000 | 7,366 |
| Average total loans | $29,248,000 | 6,566 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6656% | 1,904 |
| Cost of funding earning assets | 1.2218% | 5,273 |
| Net interest margin | 4.4438% | 1,263 |
| Noninterest income to average assets | 0.6638% | 2,861 |
| Noninterest expense to average assets | 3.2821% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4659% | 952 |
| Return on assets (ROA) | 1.4659% | 1,025 |
| Pretax return on assets | 1.5396% | 1,421 |
| Return on Equity (ROE) | 20.5825% | 349 |
| Retained earnings to average equity (ytd only) | 12.9450% | 627 |
| Net charge-offs to loans | -0.0416% | 7,298 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0688% | 4,710 |
| Assets per employee ($millions) | 2.9369% | 6,365 |
| Cash dividends to net income (ytd only)* | 37.1069% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 5,005 |
| Loan loss allowance to noncurrent loans | 37.8099% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 2.1642% | 3,314 |
| Noncurrent loans to loans | 3.4039% | 2,347 |
| Net loans and leases to total assets | 59.7391% | 5,160 |
| Net loans and leases to deposits | 65.7424% | 5,851 |
| Net loans and leases to core deposits | 65.7424% | 6,309 |
| Total domestic deposits to total assets | 90.8685% | 600 |
| Equity capital to assets | 6.6970% | 7,482 |
| Core capital (leverage) ratio | 6.8895% | 7,309 |
| Tier 1 risk-based capital ratio | 10.0778% | 6,978 |
| Total risk-based capital ratio | 11.2797% | 7,001 |
| Memoranda: | ||
| Average total assets | $43,386,500 | 6,972 |
| Average earning assets | $40,596,000 | 6,910 |
| Average equity | $3,090,000 | 7,472 |
| Average total loans | $28,875,500 | 6,662 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9429% | 2,075 |
| Cost of funding earning assets | 1.5276% | 5,386 |
| Net interest margin | 4.4153% | 1,392 |
| Noninterest income to average assets | 0.0553% | 7,483 |
| Noninterest expense to average assets | 3.5024% | 2,368 |
| Loan and lease loss provision to assets | 0.6834% | 3,092 |
| Net operating income to assets | -0.0276% | 5,544 |
| Return on assets (ROA) | 0.1256% | 5,186 |
| Pretax return on assets | 0.1256% | 5,165 |
| Return on Equity (ROE) | 1.6131% | 5,054 |
| Retained earnings to average equity (ytd only) | -1.2905% | 5,341 |
| Net charge-offs to loans | 0.7342% | 2,987 |
| Credit loss provision to net charge-offs | 128.3019% | 4,018 |
| Earnings coverage of net charge-offs (x) | 1.2311% | 4,890 |
| Efficiency ratio | 84.2296% | 2,322 |
| Assets per employee ($millions) | 2.3401% | 7,426 |
| Cash dividends to net income (ytd only)* | 180.0000% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 5,124 |
| Loan loss allowance to noncurrent loans | 40.4682% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.3654% | 2,935 |
| Noncurrent loans to loans | 3.0601% | 2,507 |
| Net loans and leases to total assets | 72.7716% | 2,563 |
| Net loans and leases to deposits | 82.9157% | 3,468 |
| Net loans and leases to core deposits | 94.0913% | 4,663 |
| Total domestic deposits to total assets | 87.7658% | 2,083 |
| Equity capital to assets | 7.6241% | 6,926 |
| Core capital (leverage) ratio | 7.3206% | 6,964 |
| Tier 1 risk-based capital ratio | 10.3188% | 6,569 |
| Total risk-based capital ratio | 11.5704% | 6,538 |
| Memoranda: | ||
| Average total assets | $39,801,400 | 7,099 |
| Average earning assets | $36,985,200 | 7,058 |
| Average equity | $3,099,600 | 7,565 |
| Average total loans | $28,876,200 | 6,696 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9166% | 2,374 |
| Cost of funding earning assets | 1.5602% | 5,587 |
| Net interest margin | 4.3564% | 1,575 |
| Noninterest income to average assets | 0.1306% | 7,227 |
| Noninterest expense to average assets | 3.5404% | 2,170 |
| Loan and lease loss provision to assets | 0.7704% | 2,447 |
| Net operating income to assets | -0.1004% | 5,891 |
| Return on assets (ROA) | 0.0570% | 5,624 |
| Pretax return on assets | 0.0737% | 5,574 |
| Return on Equity (ROE) | 0.7275% | 5,573 |
| Retained earnings to average equity (ytd only) | -3.1233% | 5,960 |
| Net charge-offs to loans | 0.4310% | 3,526 |
| Credit loss provision to net charge-offs | 247.3118% | 1,748 |
| Earnings coverage of net charge-offs (x) | 2.0537% | 4,280 |
| Efficiency ratio | 84.6955% | 2,223 |
| Assets per employee ($millions) | 2.4308% | 7,333 |
| Cash dividends to net income (ytd only)* | 529.3339% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 3,491 |
| Loan loss allowance to noncurrent loans | 40.6654% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 2.8652% | 2,429 |
| Noncurrent loans to loans | 3.6657% | 2,038 |
| Net loans and leases to total assets | 70.3635% | 3,422 |
| Net loans and leases to deposits | 79.4758% | 4,484 |
| Net loans and leases to core deposits | 90.1864% | 5,414 |
| Total domestic deposits to total assets | 88.5345% | 1,417 |
| Equity capital to assets | 7.4073% | 7,367 |
| Core capital (leverage) ratio | 7.4413% | 7,042 |
| Tier 1 risk-based capital ratio | 10.1687% | 6,813 |
| Total risk-based capital ratio | 11.4229% | 6,745 |
| Memoranda: | ||
| Average total assets | $39,806,250 | 7,159 |
| Average earning assets | $37,002,250 | 7,113 |
| Average equity | $3,116,250 | 7,629 |
| Average total loans | $28,767,000 | 6,756 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8783% | 2,687 |
| Cost of funding earning assets | 1.6380% | 5,568 |
| Net interest margin | 4.2402% | 1,848 |
| Noninterest income to average assets | 0.3155% | 5,982 |
| Noninterest expense to average assets | 3.6641% | 1,908 |
| Loan and lease loss provision to assets | 0.2036% | 5,020 |
| Net operating income to assets | 0.3656% | 4,634 |
| Return on assets (ROA) | 0.4326% | 4,481 |
| Pretax return on assets | 0.4580% | 4,756 |
| Return on Equity (ROE) | 5.4232% | 3,894 |
| Retained earnings to average equity (ytd only) | 2.8711% | 3,730 |
| Net charge-offs to loans | 0.2385% | 4,003 |
| Credit loss provision to net charge-offs | 117.6471% | 3,950 |
| Earnings coverage of net charge-offs (x) | 3.4118% | 3,448 |
| Efficiency ratio | 86.1244% | 2,218 |
| Assets per employee ($millions) | 2.2531% | 7,618 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 5,673 |
| Loan loss allowance to noncurrent loans | 38.3375% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 2.5533% | 2,523 |
| Noncurrent loans to loans | 2.8413% | 2,535 |
| Net loans and leases to total assets | 73.2527% | 2,896 |
| Net loans and leases to deposits | 85.7964% | 3,581 |
| Net loans and leases to core deposits | 97.8551% | 4,716 |
| Total domestic deposits to total assets | 85.3797% | 3,074 |
| Equity capital to assets | 8.1012% | 6,628 |
| Core capital (leverage) ratio | 7.7623% | 6,658 |
| Tier 1 risk-based capital ratio | 11.1002% | 5,775 |
| Total risk-based capital ratio | 12.2237% | 5,835 |
| Memoranda: | ||
| Average total assets | $39,300,330 | 7,242 |
| Average earning assets | $36,507,330 | 7,199 |
| Average equity | $3,134,670 | 7,689 |
| Average total loans | $28,517,000 | 6,819 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8305% | 3,138 |
| Cost of funding earning assets | 1.6767% | 5,710 |
| Net interest margin | 4.1538% | 2,080 |
| Noninterest income to average assets | 0.2915% | 6,106 |
| Noninterest expense to average assets | 3.4574% | 2,212 |
| Loan and lease loss provision to assets | 0.3015% | 3,537 |
| Net operating income to assets | 0.3719% | 4,969 |
| Return on assets (ROA) | 0.3719% | 5,152 |
| Pretax return on assets | 0.3920% | 5,420 |
| Return on Equity (ROE) | 4.6977% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.6977% | 3,306 |
| Net charge-offs to loans | 0.4757% | 2,262 |
| Credit loss provision to net charge-offs | 88.2353% | 4,040 |
| Earnings coverage of net charge-offs (x) | 2.0294% | 3,706 |
| Efficiency ratio | 83.2930% | 2,379 |
| Assets per employee ($millions) | 2.2390% | 7,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 5,352 |
| Loan loss allowance to noncurrent loans | 113.6882% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 4,059 |
| Noncurrent loans to loans | 0.9820% | 5,031 |
| Net loans and leases to total assets | 69.5741% | 3,785 |
| Net loans and leases to deposits | 79.7434% | 4,653 |
| Net loans and leases to core deposits | 94.2655% | 5,133 |
| Total domestic deposits to total assets | 87.2475% | 2,094 |
| Equity capital to assets | 8.2915% | 6,408 |
| Core capital (leverage) ratio | 7.8099% | 6,737 |
| Tier 1 risk-based capital ratio | 10.9469% | 5,950 |
| Total risk-based capital ratio | 12.0219% | 6,028 |
| Memoranda: | ||
| Average total assets | $39,799,000 | 7,262 |
| Average earning assets | $36,978,000 | 7,221 |
| Average equity | $3,150,500 | 7,739 |
| Average total loans | $28,592,000 | 6,840 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7877% | 1,722 |
| Cost of funding earning assets | 2.3230% | 5,048 |
| Net interest margin | 4.4647% | 1,502 |
| Noninterest income to average assets | 0.3615% | 5,824 |
| Noninterest expense to average assets | 3.5216% | 2,335 |
| Loan and lease loss provision to assets | 0.2601% | 4,324 |
| Net operating income to assets | 0.7048% | 3,873 |
| Return on assets (ROA) | 0.7048% | 3,707 |
| Pretax return on assets | 0.7439% | 4,268 |
| Return on Equity (ROE) | 7.8784% | 3,119 |
| Retained earnings to average equity (ytd only) | -11.0181% | 7,161 |
| Net charge-offs to loans | 0.4007% | 2,810 |
| Credit loss provision to net charge-offs | 84.7458% | 5,790 |
| Earnings coverage of net charge-offs (x) | 3.2712% | 4,451 |
| Efficiency ratio | 77.8161% | 2,945 |
| Assets per employee ($millions) | 2.4432% | 7,317 |
| Cash dividends to net income (ytd only)* | 239.8524% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 6,091 |
| Loan loss allowance to noncurrent loans | 61.9632% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.1773% | 3,902 |
| Noncurrent loans to loans | 1.6084% | 3,355 |
| Net loans and leases to total assets | 72.4690% | 3,491 |
| Net loans and leases to deposits | 83.8347% | 4,447 |
| Net loans and leases to core deposits | 97.9531% | 5,046 |
| Total domestic deposits to total assets | 86.4428% | 2,197 |
| Equity capital to assets | 7.5719% | 7,327 |
| Core capital (leverage) ratio | 7.7305% | 6,881 |
| Tier 1 risk-based capital ratio | 10.0484% | 6,688 |
| Total risk-based capital ratio | 11.0606% | 6,839 |
| Memoranda: | ||
| Average total assets | $38,448,200 | 7,283 |
| Average earning assets | $35,859,200 | 7,245 |
| Average equity | $3,439,800 | 7,704 |
| Average total loans | $29,451,400 | 6,744 |