Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2567% | 458 |
| Cost of funding earning assets | 0.6890% | 3,945 |
| Net interest margin | 5.5676% | 170 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 3.3684% | 687 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 2.1792% | 355 |
| Return on assets (ROA) | 2.1792% | 342 |
| Pretax return on assets | 2.8481% | 237 |
| Return on Equity (ROE) | 23.4600% | 376 |
| Retained earnings to average equity (ytd only) | 3.7037% | 3,053 |
| Net charge-offs to loans | 0.0132% | 2,158 |
| Credit loss provision to net charge-offs | 780.0000% | 489 |
| Earnings coverage of net charge-offs (x) | 318.2000% | 415 |
| Efficiency ratio | 53.5678% | 3,706 |
| Assets per employee ($millions) | 3.6821% | 4,244 |
| Cash dividends to net income (ytd only)* | 84.2105% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 2,634 |
| Loan loss allowance to noncurrent loans | 205.5928% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 1,326 |
| Noncurrent loans to loans | 0.5514% | 1,423 |
| Net loans and leases to total assets | 75.0600% | 1,234 |
| Net loans and leases to deposits | 82.8933% | 1,877 |
| Net loans and leases to core deposits | 91.8006% | 1,918 |
| Total domestic deposits to total assets | 90.5500% | 616 |
| Equity capital to assets | 9.2507% | 2,512 |
| Core capital (leverage) ratio | 9.2543% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6447% | 1,362 |
| Memoranda: | ||
| Average total assets | $108,983,800 | 3,750 |
| Average earning assets | $104,496,800 | 3,702 |
| Average equity | $10,125,000 | 3,708 |
| Average total loans | $75,661,400 | 3,472 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0714% | 488 |
| Cost of funding earning assets | 0.6154% | 3,943 |
| Net interest margin | 5.4560% | 188 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 3.2878% | 737 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.1448% | 407 |
| Return on assets (ROA) | 2.1448% | 398 |
| Pretax return on assets | 2.7984% | 280 |
| Return on Equity (ROE) | 23.0600% | 487 |
| Retained earnings to average equity (ytd only) | 23.0621% | 165 |
| Net charge-offs to loans | 0.0072% | 2,173 |
| Credit loss provision to net charge-offs | 1,725.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 592.0000% | 261 |
| Efficiency ratio | 53.2847% | 3,650 |
| Assets per employee ($millions) | 3.4959% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.4100% | 1,645 |
| Net loans and leases to deposits | 79.7923% | 2,068 |
| Net loans and leases to core deposits | 87.9525% | 2,053 |
| Total domestic deposits to total assets | 89.4900% | 1,075 |
| Equity capital to assets | 10.2266% | 1,686 |
| Core capital (leverage) ratio | 10.6849% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9271% | 958 |
| Memoranda: | ||
| Average total assets | $109,534,500 | 3,760 |
| Average earning assets | $104,860,500 | 3,710 |
| Average equity | $10,186,750 | 3,703 |
| Average total loans | $74,309,000 | 3,494 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9004% | 505 |
| Cost of funding earning assets | 0.5573% | 3,864 |
| Net interest margin | 5.3431% | 201 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.2678% | 721 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.0542% | 428 |
| Return on assets (ROA) | 2.0542% | 425 |
| Pretax return on assets | 2.7001% | 286 |
| Return on Equity (ROE) | 22.8400% | 494 |
| Retained earnings to average equity (ytd only) | 22.8358% | 167 |
| Net charge-offs to loans | 0.0082% | 1,904 |
| Credit loss provision to net charge-offs | 1,700.0000% | 296 |
| Earnings coverage of net charge-offs (x) | 511.6667% | 288 |
| Efficiency ratio | 53.9177% | 3,621 |
| Assets per employee ($millions) | 3.7331% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,428 |
| Loan loss allowance to noncurrent loans | 194.5887% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 1,250 |
| Noncurrent loans to loans | 0.6177% | 1,209 |
| Net loans and leases to total assets | 68.2500% | 1,940 |
| Net loans and leases to deposits | 75.6729% | 2,344 |
| Net loans and leases to core deposits | 79.6726% | 2,492 |
| Total domestic deposits to total assets | 90.1900% | 866 |
| Equity capital to assets | 9.5990% | 2,094 |
| Core capital (leverage) ratio | 9.9631% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5005% | 1,037 |
| Memoranda: | ||
| Average total assets | $109,921,333 | 3,773 |
| Average earning assets | $105,145,000 | 3,726 |
| Average equity | $9,888,000 | 3,759 |
| Average total loans | $72,978,333 | 3,518 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 498 |
| Cost of funding earning assets | 0.5278% | 3,603 |
| Net interest margin | 5.1081% | 254 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.1891% | 814 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.8564% | 609 |
| Return on assets (ROA) | 1.8564% | 600 |
| Pretax return on assets | 2.4379% | 388 |
| Return on Equity (ROE) | 21.3400% | 634 |
| Retained earnings to average equity (ytd only) | 21.3367% | 307 |
| Net charge-offs to loans | 0.1276% | 513 |
| Credit loss provision to net charge-offs | 200.0000% | 827 |
| Earnings coverage of net charge-offs (x) | 31.3478% | 1,286 |
| Efficiency ratio | 55.0499% | 3,500 |
| Assets per employee ($millions) | 3.7699% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,645 |
| Loan loss allowance to noncurrent loans | 575.0000% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 2,534 |
| Noncurrent loans to loans | 0.2058% | 2,444 |
| Net loans and leases to total assets | 66.7600% | 1,979 |
| Net loans and leases to deposits | 73.6344% | 2,324 |
| Net loans and leases to core deposits | 77.5414% | 2,420 |
| Total domestic deposits to total assets | 90.6600% | 926 |
| Equity capital to assets | 9.0600% | 2,470 |
| Core capital (leverage) ratio | 9.4193% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8761% | 1,177 |
| Memoranda: | ||
| Average total assets | $110,751,500 | 3,817 |
| Average earning assets | $106,105,500 | 3,759 |
| Average equity | $9,636,000 | 3,825 |
| Average total loans | $72,073,000 | 3,568 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 663 |
| Cost of funding earning assets | 0.3356% | 2,587 |
| Net interest margin | 4.2135% | 514 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 3.0620% | 883 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4728% | 954 |
| Return on assets (ROA) | 1.4728% | 915 |
| Pretax return on assets | 1.9202% | 556 |
| Return on Equity (ROE) | 17.5600% | 770 |
| Retained earnings to average equity (ytd only) | 8.9564% | 1,490 |
| Net charge-offs to loans | 0.0046% | 2,273 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 721.6667% | 249 |
| Efficiency ratio | 61.0612% | 2,903 |
| Assets per employee ($millions) | 3.7392% | 4,369 |
| Cash dividends to net income (ytd only)* | 48.9896% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,333 |
| Loan loss allowance to noncurrent loans | 353.1120% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 2,088 |
| Noncurrent loans to loans | 0.3429% | 1,919 |
| Net loans and leases to total assets | 61.9000% | 2,450 |
| Net loans and leases to deposits | 67.5641% | 2,764 |
| Net loans and leases to core deposits | 71.5822% | 2,753 |
| Total domestic deposits to total assets | 91.6200% | 742 |
| Equity capital to assets | 8.3503% | 2,814 |
| Core capital (leverage) ratio | 8.8112% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1292% | 1,335 |
| Memoranda: | ||
| Average total assets | $110,874,200 | 3,826 |
| Average earning assets | $106,088,200 | 3,772 |
| Average equity | $9,300,600 | 3,965 |
| Average total loans | $65,391,000 | 3,650 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 728 |
| Cost of funding earning assets | 0.3014% | 2,149 |
| Net interest margin | 4.0032% | 636 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.0767% | 817 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3327% | 1,261 |
| Return on assets (ROA) | 1.3327% | 1,237 |
| Pretax return on assets | 1.7343% | 840 |
| Return on Equity (ROE) | 15.8700% | 1,004 |
| Retained earnings to average equity (ytd only) | 15.8692% | 291 |
| Net charge-offs to loans | 0.0021% | 2,206 |
| Credit loss provision to net charge-offs | 2,000.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 1,458.0000% | 89 |
| Efficiency ratio | 63.6318% | 2,602 |
| Assets per employee ($millions) | 3.7463% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,161 |
| Loan loss allowance to noncurrent loans | 341.6327% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,153 |
| Noncurrent loans to loans | 0.3727% | 1,899 |
| Net loans and leases to total assets | 57.7500% | 2,726 |
| Net loans and leases to deposits | 63.2218% | 2,926 |
| Net loans and leases to core deposits | 67.5485% | 2,840 |
| Total domestic deposits to total assets | 91.3500% | 1,103 |
| Equity capital to assets | 8.6049% | 2,476 |
| Core capital (leverage) ratio | 9.0675% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0614% | 1,163 |
| Memoranda: | ||
| Average total assets | $110,548,750 | 3,854 |
| Average earning assets | $105,713,000 | 3,799 |
| Average equity | $9,284,000 | 4,006 |
| Average total loans | $64,166,250 | 3,688 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 770 |
| Cost of funding earning assets | 0.2740% | 1,969 |
| Net interest margin | 3.8215% | 717 |
| Noninterest income to average assets | 1.0752% | 577 |
| Noninterest expense to average assets | 3.1218% | 708 |
| Loan and lease loss provision to assets | 0.0218% | 2,208 |
| Net operating income to assets | 1.2153% | 1,381 |
| Return on assets (ROA) | 1.2153% | 1,367 |
| Pretax return on assets | 1.5846% | 981 |
| Return on Equity (ROE) | 14.5931% | 981 |
| Retained earnings to average equity (ytd only) | 14.5931% | 303 |
| Net charge-offs to loans | 0.0031% | 1,949 |
| Credit loss provision to net charge-offs | 1,200.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 883.0000% | 153 |
| Efficiency ratio | 66.0254% | 2,503 |
| Assets per employee ($millions) | 3.8195% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.7834% | 2,778 |
| Net loans and leases to deposits | 60.7888% | 2,990 |
| Net loans and leases to core deposits | 64.8407% | 2,907 |
| Total domestic deposits to total assets | 91.7660% | 938 |
| Equity capital to assets | 8.1310% | 3,021 |
| Core capital (leverage) ratio | 8.6090% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5976% | 1,283 |
| Memoranda: | ||
| Average total assets | $109,935,000 | 3,899 |
| Average earning assets | $105,090,667 | 3,856 |
| Average equity | $9,155,000 | 4,087 |
| Average total loans | $63,640,667 | 3,730 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 821 |
| Cost of funding earning assets | 0.2628% | 2,010 |
| Net interest margin | 3.7057% | 744 |
| Noninterest income to average assets | 1.1300% | 534 |
| Noninterest expense to average assets | 3.2005% | 605 |
| Loan and lease loss provision to assets | 0.0074% | 2,179 |
| Net operating income to assets | 1.1374% | 1,413 |
| Return on assets (ROA) | 1.1374% | 1,410 |
| Pretax return on assets | 1.4869% | 1,038 |
| Return on Equity (ROE) | 13.4891% | 941 |
| Retained earnings to average equity (ytd only) | 13.4891% | 423 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1710% | 2,484 |
| Assets per employee ($millions) | 3.9045% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,444 |
| Loan loss allowance to noncurrent loans | 3,904.7619% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,866 |
| Noncurrent loans to loans | 0.0328% | 3,748 |
| Net loans and leases to total assets | 57.7645% | 2,321 |
| Net loans and leases to deposits | 63.1207% | 2,610 |
| Net loans and leases to core deposits | 67.5470% | 2,490 |
| Total domestic deposits to total assets | 91.5143% | 797 |
| Equity capital to assets | 8.3339% | 3,295 |
| Core capital (leverage) ratio | 8.6398% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2820% | 1,427 |
| Memoranda: | ||
| Average total assets | $107,609,500 | 3,939 |
| Average earning assets | $103,516,000 | 3,891 |
| Average equity | $9,074,000 | 4,151 |
| Average total loans | $63,086,500 | 3,742 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 946 |
| Cost of funding earning assets | 0.2738% | 2,667 |
| Net interest margin | 3.9573% | 778 |
| Noninterest income to average assets | 0.9820% | 1,038 |
| Noninterest expense to average assets | 3.1638% | 767 |
| Loan and lease loss provision to assets | 0.0251% | 2,563 |
| Net operating income to assets | 1.2210% | 1,848 |
| Return on assets (ROA) | 1.2210% | 1,899 |
| Pretax return on assets | 1.5949% | 1,439 |
| Return on Equity (ROE) | 14.8021% | 993 |
| Retained earnings to average equity (ytd only) | 13.6338% | 339 |
| Net charge-offs to loans | 0.0100% | 2,180 |
| Credit loss provision to net charge-offs | 433.3333% | 876 |
| Earnings coverage of net charge-offs (x) | 280.1667% | 432 |
| Efficiency ratio | 66.1362% | 2,240 |
| Assets per employee ($millions) | 4.0728% | 4,399 |
| Cash dividends to net income (ytd only)* | 7.8927% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,294 |
| Loan loss allowance to noncurrent loans | 81,800.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,203 |
| Noncurrent loans to loans | 0.0016% | 4,121 |
| Net loans and leases to total assets | 57.9674% | 2,380 |
| Net loans and leases to deposits | 63.3988% | 2,743 |
| Net loans and leases to core deposits | 67.9974% | 2,652 |
| Total domestic deposits to total assets | 91.4329% | 336 |
| Equity capital to assets | 8.5340% | 4,030 |
| Core capital (leverage) ratio | 8.3377% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4894% | 1,394 |
| Memoranda: | ||
| Average total assets | $103,768,000 | 3,958 |
| Average earning assets | $99,690,200 | 3,911 |
| Average equity | $8,559,600 | 4,285 |
| Average total loans | $59,868,600 | 3,816 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 964 |
| Cost of funding earning assets | 0.2768% | 2,832 |
| Net interest margin | 4.0156% | 774 |
| Noninterest income to average assets | 0.9660% | 1,125 |
| Noninterest expense to average assets | 3.1538% | 765 |
| Loan and lease loss provision to assets | 0.0358% | 2,284 |
| Net operating income to assets | 1.2540% | 1,973 |
| Return on assets (ROA) | 1.2540% | 2,044 |
| Pretax return on assets | 1.6363% | 1,592 |
| Return on Equity (ROE) | 15.3388% | 1,078 |
| Retained earnings to average equity (ytd only) | 15.3388% | 353 |
| Net charge-offs to loans | 0.0180% | 1,700 |
| Credit loss provision to net charge-offs | 350.0000% | 929 |
| Earnings coverage of net charge-offs (x) | 161.8750% | 641 |
| Efficiency ratio | 65.3465% | 2,193 |
| Assets per employee ($millions) | 3.6791% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 2,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.9684% | 2,856 |
| Net loans and leases to deposits | 60.0244% | 3,226 |
| Net loans and leases to core deposits | 64.1270% | 3,126 |
| Total domestic deposits to total assets | 91.5768% | 220 |
| Equity capital to assets | 8.3322% | 4,318 |
| Core capital (leverage) ratio | 8.3085% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9682% | 1,357 |
| Memoranda: | ||
| Average total assets | $103,236,500 | 4,017 |
| Average earning assets | $99,243,250 | 3,965 |
| Average equity | $8,440,250 | 4,356 |
| Average total loans | $59,285,250 | 3,878 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 728 |
| Cost of funding earning assets | 0.2884% | 2,888 |
| Net interest margin | 4.2079% | 573 |
| Noninterest income to average assets | 0.9776% | 1,109 |
| Noninterest expense to average assets | 3.1092% | 829 |
| Loan and lease loss provision to assets | 0.0431% | 2,150 |
| Net operating income to assets | 1.4204% | 1,515 |
| Return on assets (ROA) | 1.4204% | 1,579 |
| Pretax return on assets | 1.8553% | 1,109 |
| Return on Equity (ROE) | 17.4902% | 718 |
| Retained earnings to average equity (ytd only) | 17.4902% | 248 |
| Net charge-offs to loans | 0.0169% | 1,613 |
| Credit loss provision to net charge-offs | 440.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 193.8000% | 506 |
| Efficiency ratio | 62.0892% | 2,715 |
| Assets per employee ($millions) | 3.6839% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 2,209 |
| Loan loss allowance to noncurrent loans | 3,395.8333% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,118 |
| Noncurrent loans to loans | 0.0397% | 3,997 |
| Net loans and leases to total assets | 55.8896% | 2,911 |
| Net loans and leases to deposits | 60.8663% | 3,313 |
| Net loans and leases to core deposits | 64.6526% | 3,227 |
| Total domestic deposits to total assets | 91.8236% | 163 |
| Equity capital to assets | 8.0903% | 4,482 |
| Core capital (leverage) ratio | 8.0453% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3865% | 1,507 |
| Memoranda: | ||
| Average total assets | $102,084,000 | 4,047 |
| Average earning assets | $97,768,333 | 3,994 |
| Average equity | $8,290,333 | 4,394 |
| Average total loans | $59,225,000 | 3,908 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 632 |
| Cost of funding earning assets | 0.3099% | 2,885 |
| Net interest margin | 4.3138% | 506 |
| Noninterest income to average assets | 0.9829% | 1,163 |
| Noninterest expense to average assets | 3.0809% | 862 |
| Loan and lease loss provision to assets | 0.0562% | 1,990 |
| Net operating income to assets | 1.4963% | 1,344 |
| Return on assets (ROA) | 1.4963% | 1,405 |
| Pretax return on assets | 1.9777% | 982 |
| Return on Equity (ROE) | 18.3880% | 675 |
| Retained earnings to average equity (ytd only) | 18.3880% | 341 |
| Net charge-offs to loans | -0.0068% | 3,517 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2353% | 3,005 |
| Assets per employee ($millions) | 3.5704% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 2,107 |
| Loan loss allowance to noncurrent loans | 3,387.5000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,202 |
| Noncurrent loans to loans | 0.0404% | 4,081 |
| Net loans and leases to total assets | 56.5674% | 2,973 |
| Net loans and leases to deposits | 61.5908% | 3,364 |
| Net loans and leases to core deposits | 65.5311% | 3,279 |
| Total domestic deposits to total assets | 91.8439% | 175 |
| Equity capital to assets | 8.0054% | 4,479 |
| Core capital (leverage) ratio | 8.3310% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,710,000 | 4,078 |
| Average earning assets | $95,507,500 | 4,028 |
| Average equity | $8,114,000 | 4,422 |
| Average total loans | $58,576,000 | 3,936 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 482 |
| Cost of funding earning assets | 0.4518% | 3,268 |
| Net interest margin | 4.5522% | 294 |
| Noninterest income to average assets | 1.1333% | 834 |
| Noninterest expense to average assets | 3.1123% | 1,205 |
| Loan and lease loss provision to assets | 0.1411% | 2,590 |
| Net operating income to assets | 1.7161% | 480 |
| Return on assets (ROA) | 1.7239% | 507 |
| Pretax return on assets | 2.2319% | 284 |
| Return on Equity (ROE) | 19.8282% | 241 |
| Retained earnings to average equity (ytd only) | 6.0933% | 1,753 |
| Net charge-offs to loans | 0.0995% | 1,477 |
| Credit loss provision to net charge-offs | 213.1148% | 2,098 |
| Earnings coverage of net charge-offs (x) | 35.6885% | 1,475 |
| Efficiency ratio | 56.8398% | 3,880 |
| Assets per employee ($millions) | 3.1959% | 4,760 |
| Cash dividends to net income (ytd only)* | 69.2695% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 2,056 |
| Loan loss allowance to noncurrent loans | 3,320.8333% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,252 |
| Noncurrent loans to loans | 0.0415% | 4,131 |
| Net loans and leases to total assets | 59.4203% | 2,932 |
| Net loans and leases to deposits | 64.8186% | 3,375 |
| Net loans and leases to core deposits | 69.3339% | 3,303 |
| Total domestic deposits to total assets | 91.6717% | 107 |
| Equity capital to assets | 8.2803% | 4,582 |
| Core capital (leverage) ratio | 8.2011% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,119,200 | 4,096 |
| Average earning assets | $87,870,000 | 4,052 |
| Average equity | $8,008,800 | 4,424 |
| Average total loans | $61,312,400 | 3,894 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 416 |
| Cost of funding earning assets | 0.4835% | 3,336 |
| Net interest margin | 4.7118% | 250 |
| Noninterest income to average assets | 1.1347% | 817 |
| Noninterest expense to average assets | 3.1234% | 1,193 |
| Loan and lease loss provision to assets | 0.1459% | 2,565 |
| Net operating income to assets | 1.8262% | 427 |
| Return on assets (ROA) | 1.8366% | 468 |
| Pretax return on assets | 2.3674% | 250 |
| Return on Equity (ROE) | 20.8643% | 210 |
| Retained earnings to average equity (ytd only) | 20.8643% | 75 |
| Net charge-offs to loans | 0.0965% | 1,341 |
| Credit loss provision to net charge-offs | 222.2222% | 2,033 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,404 |
| Efficiency ratio | 55.5382% | 3,979 |
| Assets per employee ($millions) | 3.3399% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 63.8490% | 2,788 |
| Net loans and leases to deposits | 70.5338% | 3,262 |
| Net loans and leases to core deposits | 75.6404% | 3,201 |
| Total domestic deposits to total assets | 90.5225% | 278 |
| Equity capital to assets | 9.3171% | 3,846 |
| Core capital (leverage) ratio | 9.2000% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,179,500 | 4,114 |
| Average earning assets | $86,871,000 | 4,073 |
| Average equity | $8,026,250 | 4,441 |
| Average total loans | $62,198,500 | 3,897 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3786% | 417 |
| Cost of funding earning assets | 0.5251% | 3,382 |
| Net interest margin | 4.8535% | 262 |
| Noninterest income to average assets | 1.1460% | 764 |
| Noninterest expense to average assets | 3.1017% | 1,353 |
| Loan and lease loss provision to assets | 0.1173% | 2,848 |
| Net operating income to assets | 1.9909% | 341 |
| Return on assets (ROA) | 2.0066% | 366 |
| Pretax return on assets | 2.5686% | 189 |
| Return on Equity (ROE) | 23.2644% | 136 |
| Retained earnings to average equity (ytd only) | 23.2644% | 61 |
| Net charge-offs to loans | -0.0096% | 4,196 |
| Credit loss provision to net charge-offs | -1,766.6667% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7783% | 4,202 |
| Assets per employee ($millions) | 3.6388% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,277 |
| Loan loss allowance to noncurrent loans | 9,812.5000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,542 |
| Noncurrent loans to loans | 0.0127% | 4,458 |
| Net loans and leases to total assets | 65.7777% | 2,659 |
| Net loans and leases to deposits | 72.2751% | 3,231 |
| Net loans and leases to core deposits | 77.4037% | 3,160 |
| Total domestic deposits to total assets | 91.0103% | 147 |
| Equity capital to assets | 8.8164% | 4,246 |
| Core capital (leverage) ratio | 8.9431% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,400,667 | 4,124 |
| Average earning assets | $86,081,333 | 4,077 |
| Average equity | $7,797,333 | 4,485 |
| Average total loans | $62,767,000 | 3,899 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3258% | 528 |
| Cost of funding earning assets | 0.6132% | 3,367 |
| Net interest margin | 4.7125% | 318 |
| Noninterest income to average assets | 1.1824% | 626 |
| Noninterest expense to average assets | 3.2164% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8891% | 343 |
| Return on assets (ROA) | 1.8891% | 377 |
| Pretax return on assets | 2.4916% | 165 |
| Return on Equity (ROE) | 22.1646% | 109 |
| Retained earnings to average equity (ytd only) | 22.1646% | 42 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3492% | 4,178 |
| Assets per employee ($millions) | 3.4406% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 2,816 |
| Loan loss allowance to noncurrent loans | 998.6301% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 4,201 |
| Noncurrent loans to loans | 0.1174% | 4,053 |
| Net loans and leases to total assets | 68.6952% | 2,439 |
| Net loans and leases to deposits | 75.8217% | 3,089 |
| Net loans and leases to core deposits | 81.5348% | 3,060 |
| Total domestic deposits to total assets | 90.6010% | 167 |
| Equity capital to assets | 8.6087% | 4,788 |
| Core capital (leverage) ratio | 8.8308% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1938% | 1,848 |
| Memoranda: | ||
| Average total assets | $88,297,000 | 4,152 |
| Average earning assets | $84,795,000 | 4,095 |
| Average equity | $7,525,500 | 4,549 |
| Average total loans | $62,642,500 | 3,911 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 359 |
| Cost of funding earning assets | 0.6861% | 3,227 |
| Net interest margin | 5.0662% | 232 |
| Noninterest income to average assets | 1.3627% | 520 |
| Noninterest expense to average assets | 3.1864% | 1,557 |
| Loan and lease loss provision to assets | 0.1693% | 1,231 |
| Net operating income to assets | 2.1441% | 250 |
| Return on assets (ROA) | 2.1441% | 263 |
| Pretax return on assets | 2.8478% | 116 |
| Return on Equity (ROE) | 24.2344% | 90 |
| Retained earnings to average equity (ytd only) | 2.2502% | 3,889 |
| Net charge-offs to loans | 0.1593% | 1,266 |
| Credit loss provision to net charge-offs | 142.3077% | 1,814 |
| Earnings coverage of net charge-offs (x) | 25.3558% | 1,735 |
| Efficiency ratio | 51.3648% | 4,648 |
| Assets per employee ($millions) | 3.3515% | 4,605 |
| Cash dividends to net income (ytd only)* | 90.7150% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 2,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.5819% | 2,154 |
| Net loans and leases to deposits | 78.2947% | 2,976 |
| Net loans and leases to core deposits | 83.8329% | 2,963 |
| Total domestic deposits to total assets | 91.4262% | 72 |
| Equity capital to assets | 8.4349% | 4,937 |
| Core capital (leverage) ratio | 8.3169% | 4,939 |
| Tier 1 risk-based capital ratio | 13.0973% | 3,746 |
| Total risk-based capital ratio | 14.3464% | 3,630 |
| Memoranda: | ||
| Average total assets | $87,402,200 | 4,179 |
| Average earning assets | $83,514,800 | 4,133 |
| Average equity | $7,732,800 | 4,539 |
| Average total loans | $65,303,600 | 3,878 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7738% | 365 |
| Cost of funding earning assets | 0.6870% | 3,276 |
| Net interest margin | 5.0869% | 241 |
| Noninterest income to average assets | 1.3658% | 491 |
| Noninterest expense to average assets | 3.2697% | 1,331 |
| Loan and lease loss provision to assets | 0.1662% | 1,125 |
| Net operating income to assets | 2.0929% | 325 |
| Return on assets (ROA) | 2.0929% | 337 |
| Pretax return on assets | 2.7834% | 154 |
| Return on Equity (ROE) | 23.3840% | 126 |
| Retained earnings to average equity (ytd only) | 23.3840% | 31 |
| Net charge-offs to loans | 0.1215% | 1,286 |
| Credit loss provision to net charge-offs | 181.6667% | 1,419 |
| Earnings coverage of net charge-offs (x) | 32.2493% | 1,565 |
| Efficiency ratio | 52.5735% | 4,551 |
| Assets per employee ($millions) | 3.3905% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 2,858 |
| Loan loss allowance to noncurrent loans | 1,835.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,489 |
| Noncurrent loans to loans | 0.0618% | 4,358 |
| Net loans and leases to total assets | 72.6246% | 2,065 |
| Net loans and leases to deposits | 80.9550% | 2,806 |
| Net loans and leases to core deposits | 87.1981% | 2,805 |
| Total domestic deposits to total assets | 89.7098% | 368 |
| Equity capital to assets | 9.6935% | 4,296 |
| Core capital (leverage) ratio | 9.7138% | 3,954 |
| Tier 1 risk-based capital ratio | 14.9362% | 2,880 |
| Total risk-based capital ratio | 16.1851% | 2,808 |
| Memoranda: | ||
| Average total assets | $87,468,250 | 4,231 |
| Average earning assets | $83,454,750 | 4,185 |
| Average equity | $7,828,500 | 4,583 |
| Average total loans | $65,853,500 | 3,906 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7451% | 365 |
| Cost of funding earning assets | 0.6760% | 3,293 |
| Net interest margin | 5.0691% | 250 |
| Noninterest income to average assets | 1.3549% | 479 |
| Noninterest expense to average assets | 3.3173% | 1,251 |
| Loan and lease loss provision to assets | 0.1811% | 985 |
| Net operating income to assets | 2.0335% | 364 |
| Return on assets (ROA) | 2.0335% | 384 |
| Pretax return on assets | 2.6868% | 189 |
| Return on Equity (ROE) | 23.3739% | 130 |
| Retained earnings to average equity (ytd only) | 23.3739% | 34 |
| Net charge-offs to loans | 0.1480% | 1,051 |
| Credit loss provision to net charge-offs | 161.2245% | 1,415 |
| Earnings coverage of net charge-offs (x) | 25.5306% | 1,593 |
| Efficiency ratio | 53.6323% | 4,511 |
| Assets per employee ($millions) | 3.1459% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,218 |
| Loan loss allowance to noncurrent loans | 812.5000% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 3,230 |
| Noncurrent loans to loans | 0.1321% | 4,084 |
| Net loans and leases to total assets | 74.7982% | 1,755 |
| Net loans and leases to deposits | 82.4699% | 2,675 |
| Net loans and leases to core deposits | 89.1267% | 2,676 |
| Total domestic deposits to total assets | 90.6976% | 155 |
| Equity capital to assets | 9.1480% | 4,699 |
| Core capital (leverage) ratio | 9.1847% | 4,480 |
| Tier 1 risk-based capital ratio | 13.5458% | 3,555 |
| Total risk-based capital ratio | 14.7485% | 3,483 |
| Memoranda: | ||
| Average total assets | $87,240,330 | 4,263 |
| Average earning assets | $83,131,000 | 4,217 |
| Average equity | $7,589,670 | 4,638 |
| Average total loans | $66,220,000 | 3,921 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7751% | 329 |
| Cost of funding earning assets | 0.6417% | 3,350 |
| Net interest margin | 5.1334% | 227 |
| Noninterest income to average assets | 1.2624% | 524 |
| Noninterest expense to average assets | 3.3035% | 1,281 |
| Loan and lease loss provision to assets | 0.0968% | 1,814 |
| Net operating income to assets | 2.0917% | 330 |
| Return on assets (ROA) | 2.0917% | 346 |
| Pretax return on assets | 2.7644% | 164 |
| Return on Equity (ROE) | 24.6890% | 104 |
| Retained earnings to average equity (ytd only) | 24.6890% | 50 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5874% | 4,576 |
| Assets per employee ($millions) | 3.2515% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,364 |
| Loan loss allowance to noncurrent loans | 624.7788% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 3,393 |
| Noncurrent loans to loans | 0.1694% | 3,989 |
| Net loans and leases to total assets | 75.1714% | 1,616 |
| Net loans and leases to deposits | 82.4531% | 2,566 |
| Net loans and leases to core deposits | 88.6752% | 2,618 |
| Total domestic deposits to total assets | 91.1687% | 136 |
| Equity capital to assets | 8.6513% | 4,903 |
| Core capital (leverage) ratio | 8.7090% | 4,860 |
| Tier 1 risk-based capital ratio | 12.8054% | 3,978 |
| Total risk-based capital ratio | 13.9919% | 3,912 |
| Memoranda: | ||
| Average total assets | $86,818,000 | 4,314 |
| Average earning assets | $82,907,500 | 4,265 |
| Average equity | $7,355,500 | 4,707 |
| Average total loans | $66,029,500 | 3,964 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 359 |
| Cost of funding earning assets | 0.4970% | 3,380 |
| Net interest margin | 5.0555% | 237 |
| Noninterest income to average assets | 1.4271% | 443 |
| Noninterest expense to average assets | 3.4067% | 1,140 |
| Loan and lease loss provision to assets | 0.1693% | 1,190 |
| Net operating income to assets | 2.1312% | 287 |
| Return on assets (ROA) | 2.1312% | 278 |
| Pretax return on assets | 2.6943% | 145 |
| Return on Equity (ROE) | 25.9415% | 78 |
| Retained earnings to average equity (ytd only) | 11.6329% | 354 |
| Net charge-offs to loans | 0.1124% | 1,625 |
| Credit loss provision to net charge-offs | 205.7143% | 1,401 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 1,457 |
| Efficiency ratio | 54.3307% | 4,582 |
| Assets per employee ($millions) | 3.1795% | 4,858 |
| Cash dividends to net income (ytd only)* | 55.1572% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,397 |
| Loan loss allowance to noncurrent loans | 913.3333% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 3,515 |
| Noncurrent loans to loans | 0.1147% | 4,211 |
| Net loans and leases to total assets | 75.3384% | 1,723 |
| Net loans and leases to deposits | 82.6433% | 2,658 |
| Net loans and leases to core deposits | 89.0264% | 2,652 |
| Total domestic deposits to total assets | 91.1609% | 170 |
| Equity capital to assets | 8.2893% | 5,049 |
| Core capital (leverage) ratio | 8.3364% | 5,097 |
| Tier 1 risk-based capital ratio | 12.2705% | 4,250 |
| Total risk-based capital ratio | 13.4435% | 4,179 |
| Memoranda: | ||
| Average total assets | $85,068,400 | 4,338 |
| Average earning assets | $81,496,200 | 4,297 |
| Average equity | $6,988,800 | 4,750 |
| Average total loans | $62,287,400 | 4,039 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4576% | 396 |
| Cost of funding earning assets | 0.4631% | 3,438 |
| Net interest margin | 4.9945% | 270 |
| Noninterest income to average assets | 1.4405% | 456 |
| Noninterest expense to average assets | 3.4466% | 1,057 |
| Loan and lease loss provision to assets | 0.1320% | 1,526 |
| Net operating income to assets | 2.1207% | 295 |
| Return on assets (ROA) | 2.1207% | 291 |
| Pretax return on assets | 2.6564% | 176 |
| Return on Equity (ROE) | 25.8726% | 72 |
| Retained earnings to average equity (ytd only) | 25.8726% | 19 |
| Net charge-offs to loans | 0.1279% | 1,241 |
| Credit loss provision to net charge-offs | 142.3729% | 1,779 |
| Earnings coverage of net charge-offs (x) | 30.0866% | 1,605 |
| Efficiency ratio | 55.2784% | 4,478 |
| Assets per employee ($millions) | 3.0273% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,845 |
| Loan loss allowance to noncurrent loans | 1,987.5000% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 3,844 |
| Noncurrent loans to loans | 0.0497% | 4,672 |
| Net loans and leases to total assets | 75.1802% | 1,784 |
| Net loans and leases to deposits | 82.8264% | 2,729 |
| Net loans and leases to core deposits | 89.3170% | 2,720 |
| Total domestic deposits to total assets | 90.7684% | 275 |
| Equity capital to assets | 9.0086% | 4,542 |
| Core capital (leverage) ratio | 9.0462% | 4,661 |
| Tier 1 risk-based capital ratio | 13.4400% | 3,660 |
| Total risk-based capital ratio | 14.5497% | 3,652 |
| Memoranda: | ||
| Average total assets | $84,874,000 | 4,391 |
| Average earning assets | $81,474,250 | 4,339 |
| Average equity | $6,957,000 | 4,805 |
| Average total loans | $61,519,250 | 4,095 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 479 |
| Cost of funding earning assets | 0.4338% | 3,471 |
| Net interest margin | 4.8574% | 331 |
| Noninterest income to average assets | 1.4627% | 446 |
| Noninterest expense to average assets | 3.4248% | 1,103 |
| Loan and lease loss provision to assets | 0.0872% | 2,176 |
| Net operating income to assets | 2.0115% | 373 |
| Return on assets (ROA) | 2.0115% | 369 |
| Pretax return on assets | 2.6192% | 177 |
| Return on Equity (ROE) | 25.3764% | 75 |
| Retained earnings to average equity (ytd only) | 25.3764% | 20 |
| Net charge-offs to loans | 0.1783% | 883 |
| Credit loss provision to net charge-offs | 68.5185% | 2,367 |
| Earnings coverage of net charge-offs (x) | 21.2778% | 1,780 |
| Efficiency ratio | 55.8586% | 4,493 |
| Assets per employee ($millions) | 3.0885% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,136 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 3,987 |
| Noncurrent loans to loans | 0.0350% | 4,756 |
| Net loans and leases to total assets | 71.9238% | 2,287 |
| Net loans and leases to deposits | 78.5708% | 3,103 |
| Net loans and leases to core deposits | 84.5371% | 3,037 |
| Total domestic deposits to total assets | 91.5401% | 143 |
| Equity capital to assets | 8.2760% | 5,091 |
| Core capital (leverage) ratio | 8.4330% | 5,154 |
| Tier 1 risk-based capital ratio | 12.9564% | 3,914 |
| Total risk-based capital ratio | 14.0243% | 3,928 |
| Memoranda: | ||
| Average total assets | $84,911,000 | 4,430 |
| Average earning assets | $81,607,000 | 4,375 |
| Average equity | $6,730,670 | 4,887 |
| Average total loans | $60,572,000 | 4,152 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 491 |
| Cost of funding earning assets | 0.4193% | 3,450 |
| Net interest margin | 4.7802% | 358 |
| Noninterest income to average assets | 1.4312% | 460 |
| Noninterest expense to average assets | 3.3568% | 1,238 |
| Loan and lease loss provision to assets | 0.0143% | 3,344 |
| Net operating income to assets | 2.0493% | 329 |
| Return on assets (ROA) | 2.0493% | 332 |
| Pretax return on assets | 2.6674% | 166 |
| Return on Equity (ROE) | 26.4519% | 73 |
| Retained earnings to average equity (ytd only) | 26.4519% | 37 |
| Net charge-offs to loans | 0.1682% | 859 |
| Credit loss provision to net charge-offs | 12.0000% | 2,164 |
| Earnings coverage of net charge-offs (x) | 22.5600% | 1,398 |
| Efficiency ratio | 55.5906% | 4,636 |
| Assets per employee ($millions) | 3.3207% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 4,084 |
| Loan loss allowance to noncurrent loans | 58,900.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 4,176 |
| Noncurrent loans to loans | 0.0017% | 5,026 |
| Net loans and leases to total assets | 69.2086% | 2,601 |
| Net loans and leases to deposits | 75.2873% | 3,292 |
| Net loans and leases to core deposits | 81.3057% | 3,209 |
| Total domestic deposits to total assets | 91.9260% | 119 |
| Equity capital to assets | 7.7949% | 5,332 |
| Core capital (leverage) ratio | 8.1371% | 5,349 |
| Tier 1 risk-based capital ratio | 12.4240% | 4,291 |
| Total risk-based capital ratio | 13.5027% | 4,299 |
| Memoranda: | ||
| Average total assets | $84,127,000 | 4,497 |
| Average earning assets | $81,085,000 | 4,430 |
| Average equity | $6,517,500 | 4,976 |
| Average total loans | $59,461,500 | 4,209 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 651 |
| Cost of funding earning assets | 0.4153% | 3,093 |
| Net interest margin | 4.5819% | 518 |
| Noninterest income to average assets | 1.3570% | 570 |
| Noninterest expense to average assets | 3.2372% | 1,536 |
| Loan and lease loss provision to assets | 0.1189% | 1,921 |
| Net operating income to assets | 1.5413% | 738 |
| Return on assets (ROA) | 1.5413% | 751 |
| Pretax return on assets | 2.3964% | 219 |
| Return on Equity (ROE) | 19.4530% | 213 |
| Retained earnings to average equity (ytd only) | 1.4410% | 4,425 |
| Net charge-offs to loans | 0.1006% | 2,069 |
| Credit loss provision to net charge-offs | 175.4386% | 1,547 |
| Earnings coverage of net charge-offs (x) | 37.1053% | 1,321 |
| Efficiency ratio | 56.2746% | 4,744 |
| Assets per employee ($millions) | 3.1506% | 5,078 |
| Cash dividends to net income (ytd only)* | 92.5926% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,668 |
| Loan loss allowance to noncurrent loans | 2,545.8333% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,360 |
| Noncurrent loans to loans | 0.0410% | 4,824 |
| Net loans and leases to total assets | 70.7673% | 2,402 |
| Net loans and leases to deposits | 76.8076% | 3,249 |
| Net loans and leases to core deposits | 83.2111% | 3,135 |
| Total domestic deposits to total assets | 92.1358% | 73 |
| Equity capital to assets | 7.6970% | 5,487 |
| Core capital (leverage) ratio | 7.5736% | 5,546 |
| Tier 1 risk-based capital ratio | 12.3051% | 4,326 |
| Total risk-based capital ratio | 13.4885% | 4,272 |
| Memoranda: | ||
| Average total assets | $84,084,200 | 4,510 |
| Average earning assets | $80,665,800 | 4,454 |
| Average equity | $6,662,200 | 4,998 |
| Average total loans | $56,682,600 | 4,274 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 750 |
| Cost of funding earning assets | 0.4060% | 3,123 |
| Net interest margin | 4.5018% | 601 |
| Noninterest income to average assets | 1.3833% | 552 |
| Noninterest expense to average assets | 3.1857% | 1,590 |
| Loan and lease loss provision to assets | 0.1339% | 1,619 |
| Net operating income to assets | 1.5582% | 790 |
| Return on assets (ROA) | 1.5582% | 808 |
| Pretax return on assets | 2.3790% | 263 |
| Return on Equity (ROE) | 19.5309% | 246 |
| Retained earnings to average equity (ytd only) | 19.5309% | 54 |
| Net charge-offs to loans | 0.0949% | 1,845 |
| Credit loss provision to net charge-offs | 212.5000% | 1,289 |
| Earnings coverage of net charge-offs (x) | 39.8764% | 1,297 |
| Efficiency ratio | 55.9027% | 4,754 |
| Assets per employee ($millions) | 3.2557% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,544 |
| Loan loss allowance to noncurrent loans | 244.2231% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 3,339 |
| Noncurrent loans to loans | 0.4463% | 3,365 |
| Net loans and leases to total assets | 65.7098% | 3,148 |
| Net loans and leases to deposits | 72.0716% | 3,766 |
| Net loans and leases to core deposits | 77.9151% | 3,639 |
| Total domestic deposits to total assets | 91.1729% | 148 |
| Equity capital to assets | 8.5637% | 5,247 |
| Core capital (leverage) ratio | 8.5693% | 5,190 |
| Tier 1 risk-based capital ratio | 14.0283% | 3,430 |
| Total risk-based capital ratio | 15.2149% | 3,382 |
| Memoranda: | ||
| Average total assets | $84,626,500 | 4,548 |
| Average earning assets | $81,120,750 | 4,488 |
| Average equity | $6,751,500 | 5,042 |
| Average total loans | $56,208,250 | 4,322 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 755 |
| Cost of funding earning assets | 0.3943% | 3,132 |
| Net interest margin | 4.4678% | 609 |
| Noninterest income to average assets | 1.4323% | 525 |
| Noninterest expense to average assets | 3.1364% | 1,749 |
| Loan and lease loss provision to assets | 0.1654% | 1,202 |
| Net operating income to assets | 1.5907% | 724 |
| Return on assets (ROA) | 1.5907% | 742 |
| Pretax return on assets | 2.4155% | 242 |
| Return on Equity (ROE) | 20.4383% | 200 |
| Retained earnings to average equity (ytd only) | 20.4383% | 56 |
| Net charge-offs to loans | 0.0854% | 1,757 |
| Credit loss provision to net charge-offs | 291.6667% | 976 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,150 |
| Efficiency ratio | 54.8574% | 4,936 |
| Assets per employee ($millions) | 3.3330% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,645 |
| Loan loss allowance to noncurrent loans | 361.1765% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 3,817 |
| Noncurrent loans to loans | 0.3016% | 3,959 |
| Net loans and leases to total assets | 64.3437% | 3,339 |
| Net loans and leases to deposits | 70.1177% | 3,908 |
| Net loans and leases to core deposits | 75.3103% | 3,828 |
| Total domestic deposits to total assets | 91.7653% | 94 |
| Equity capital to assets | 7.9935% | 5,540 |
| Core capital (leverage) ratio | 8.1388% | 5,466 |
| Tier 1 risk-based capital ratio | 13.9179% | 3,466 |
| Total risk-based capital ratio | 15.1510% | 3,399 |
| Memoranda: | ||
| Average total assets | $84,619,330 | 4,577 |
| Average earning assets | $81,158,670 | 4,513 |
| Average equity | $6,585,670 | 5,094 |
| Average total loans | $56,199,330 | 4,351 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8677% | 666 |
| Cost of funding earning assets | 0.3936% | 3,059 |
| Net interest margin | 4.4741% | 551 |
| Noninterest income to average assets | 1.4067% | 539 |
| Noninterest expense to average assets | 3.1244% | 1,803 |
| Loan and lease loss provision to assets | 0.1627% | 1,105 |
| Net operating income to assets | 1.5885% | 692 |
| Return on assets (ROA) | 1.5885% | 708 |
| Pretax return on assets | 2.4163% | 248 |
| Return on Equity (ROE) | 20.7015% | 200 |
| Retained earnings to average equity (ytd only) | 20.7015% | 97 |
| Net charge-offs to loans | -0.0784% | 5,365 |
| Credit loss provision to net charge-offs | -309.0909% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7819% | 5,064 |
| Assets per employee ($millions) | 3.2892% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,735 |
| Loan loss allowance to noncurrent loans | 334.9727% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 3,847 |
| Noncurrent loans to loans | 0.3272% | 3,949 |
| Net loans and leases to total assets | 64.6784% | 3,170 |
| Net loans and leases to deposits | 70.3146% | 3,762 |
| Net loans and leases to core deposits | 75.0567% | 3,737 |
| Total domestic deposits to total assets | 91.9843% | 109 |
| Equity capital to assets | 7.6988% | 5,631 |
| Core capital (leverage) ratio | 7.9426% | 5,582 |
| Tier 1 risk-based capital ratio | 12.8049% | 4,198 |
| Total risk-based capital ratio | 13.9962% | 4,131 |
| Memoranda: | ||
| Average total assets | $83,600,000 | 4,646 |
| Average earning assets | $80,284,000 | 4,577 |
| Average equity | $6,415,000 | 5,167 |
| Average total loans | $56,112,500 | 4,396 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 1,032 |
| Cost of funding earning assets | 0.3508% | 3,509 |
| Net interest margin | 4.3675% | 825 |
| Noninterest income to average assets | 1.3232% | 652 |
| Noninterest expense to average assets | 3.0975% | 2,045 |
| Loan and lease loss provision to assets | 0.1329% | 1,875 |
| Net operating income to assets | 1.5131% | 813 |
| Return on assets (ROA) | 1.5131% | 836 |
| Pretax return on assets | 2.2596% | 294 |
| Return on Equity (ROE) | 19.4354% | 241 |
| Retained earnings to average equity (ytd only) | 1.1433% | 4,837 |
| Net charge-offs to loans | 0.0656% | 2,760 |
| Credit loss provision to net charge-offs | 329.4118% | 915 |
| Earnings coverage of net charge-offs (x) | 59.2941% | 902 |
| Efficiency ratio | 56.4202% | 5,022 |
| Assets per employee ($millions) | 3.2672% | 5,081 |
| Cash dividends to net income (ytd only)* | 94.1176% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 4,263 |
| Loan loss allowance to noncurrent loans | 348.4663% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 3,966 |
| Noncurrent loans to loans | 0.2895% | 4,112 |
| Net loans and leases to total assets | 68.2309% | 2,736 |
| Net loans and leases to deposits | 73.9668% | 3,519 |
| Net loans and leases to core deposits | 77.3065% | 3,621 |
| Total domestic deposits to total assets | 92.2453% | 86 |
| Equity capital to assets | 7.6469% | 5,680 |
| Core capital (leverage) ratio | 7.5744% | 5,736 |
| Tier 1 risk-based capital ratio | 12.2809% | 4,516 |
| Total risk-based capital ratio | 13.3957% | 4,499 |
| Memoranda: | ||
| Average total assets | $84,262,800 | 4,644 |
| Average earning assets | $80,389,200 | 4,583 |
| Average equity | $6,560,200 | 5,173 |
| Average total loans | $51,857,200 | 4,521 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 1,233 |
| Cost of funding earning assets | 0.3463% | 3,570 |
| Net interest margin | 4.2841% | 960 |
| Noninterest income to average assets | 1.3206% | 671 |
| Noninterest expense to average assets | 3.1233% | 1,966 |
| Loan and lease loss provision to assets | 0.0895% | 2,435 |
| Net operating income to assets | 1.4698% | 935 |
| Return on assets (ROA) | 1.4698% | 979 |
| Pretax return on assets | 2.1874% | 402 |
| Return on Equity (ROE) | 18.7983% | 311 |
| Retained earnings to average equity (ytd only) | 18.7983% | 71 |
| Net charge-offs to loans | 0.0604% | 2,488 |
| Credit loss provision to net charge-offs | 247.8261% | 1,209 |
| Earnings coverage of net charge-offs (x) | 63.0352% | 918 |
| Efficiency ratio | 57.8366% | 4,837 |
| Assets per employee ($millions) | 3.2926% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 4,473 |
| Loan loss allowance to noncurrent loans | 382.4818% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 4,246 |
| Noncurrent loans to loans | 0.2586% | 4,338 |
| Net loans and leases to total assets | 63.7344% | 3,437 |
| Net loans and leases to deposits | 69.9693% | 3,990 |
| Net loans and leases to core deposits | 72.6333% | 4,111 |
| Total domestic deposits to total assets | 91.0891% | 172 |
| Equity capital to assets | 8.6412% | 5,441 |
| Core capital (leverage) ratio | 8.6263% | 5,235 |
| Tier 1 risk-based capital ratio | 14.3595% | 3,361 |
| Total risk-based capital ratio | 15.4166% | 3,399 |
| Memoranda: | ||
| Average total assets | $84,908,500 | 4,668 |
| Average earning assets | $80,855,750 | 4,606 |
| Average equity | $6,638,750 | 5,212 |
| Average total loans | $50,746,750 | 4,593 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 1,573 |
| Cost of funding earning assets | 0.3449% | 3,621 |
| Net interest margin | 4.1369% | 1,273 |
| Noninterest income to average assets | 1.3034% | 673 |
| Noninterest expense to average assets | 3.0616% | 2,170 |
| Loan and lease loss provision to assets | 0.0909% | 2,329 |
| Net operating income to assets | 1.4154% | 1,037 |
| Return on assets (ROA) | 1.4154% | 1,086 |
| Pretax return on assets | 2.0939% | 473 |
| Return on Equity (ROE) | 18.7326% | 314 |
| Retained earnings to average equity (ytd only) | 18.7326% | 72 |
| Net charge-offs to loans | -0.0040% | 4,479 |
| Credit loss provision to net charge-offs | -3,900.0000% | 5,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3556% | 4,854 |
| Assets per employee ($millions) | 3.3755% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 4,398 |
| Loan loss allowance to noncurrent loans | 263.6816% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 4,546 |
| Noncurrent loans to loans | 0.3874% | 3,970 |
| Net loans and leases to total assets | 60.8605% | 3,771 |
| Net loans and leases to deposits | 66.7946% | 4,281 |
| Net loans and leases to core deposits | 69.2683% | 4,386 |
| Total domestic deposits to total assets | 91.1160% | 172 |
| Equity capital to assets | 8.0450% | 5,796 |
| Core capital (leverage) ratio | 7.9539% | 5,752 |
| Tier 1 risk-based capital ratio | 13.5288% | 3,883 |
| Total risk-based capital ratio | 14.5849% | 3,909 |
| Memoranda: | ||
| Average total assets | $85,773,000 | 4,696 |
| Average earning assets | $81,753,000 | 4,629 |
| Average equity | $6,480,670 | 5,285 |
| Average total loans | $50,000,000 | 4,645 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 1,990 |
| Cost of funding earning assets | 0.3373% | 3,754 |
| Net interest margin | 4.0047% | 1,598 |
| Noninterest income to average assets | 1.2259% | 717 |
| Noninterest expense to average assets | 3.0347% | 2,288 |
| Loan and lease loss provision to assets | 0.0879% | 2,217 |
| Net operating income to assets | 1.3277% | 1,192 |
| Return on assets (ROA) | 1.3277% | 1,274 |
| Pretax return on assets | 1.9476% | 632 |
| Return on Equity (ROE) | 18.1459% | 342 |
| Retained earnings to average equity (ytd only) | 18.1459% | 127 |
| Net charge-offs to loans | -0.0489% | 5,313 |
| Credit loss provision to net charge-offs | -316.6667% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8540% | 4,767 |
| Assets per employee ($millions) | 3.6507% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 4,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.6997% | 4,179 |
| Net loans and leases to deposits | 62.5557% | 4,541 |
| Net loans and leases to core deposits | 64.7929% | 4,637 |
| Total domestic deposits to total assets | 90.6387% | 385 |
| Equity capital to assets | 7.3845% | 5,967 |
| Core capital (leverage) ratio | 7.5635% | 5,915 |
| Tier 1 risk-based capital ratio | 13.4483% | 4,010 |
| Total risk-based capital ratio | 14.5188% | 4,040 |
| Memoranda: | ||
| Average total assets | $86,465,500 | 4,725 |
| Average earning assets | $83,003,000 | 4,647 |
| Average equity | $6,326,500 | 5,354 |
| Average total loans | $49,055,500 | 4,705 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 2,403 |
| Cost of funding earning assets | 0.2919% | 4,347 |
| Net interest margin | 3.9528% | 1,860 |
| Noninterest income to average assets | 1.3134% | 702 |
| Noninterest expense to average assets | 3.0905% | 2,268 |
| Loan and lease loss provision to assets | 0.0048% | 4,293 |
| Net operating income to assets | 1.3325% | 1,199 |
| Return on assets (ROA) | 1.3325% | 1,235 |
| Pretax return on assets | 1.9684% | 572 |
| Return on Equity (ROE) | 17.2839% | 431 |
| Retained earnings to average equity (ytd only) | 0.3238% | 5,384 |
| Net charge-offs to loans | 0.0291% | 3,640 |
| Credit loss provision to net charge-offs | 30.7692% | 3,647 |
| Earnings coverage of net charge-offs (x) | 127.6923% | 475 |
| Efficiency ratio | 61.0329% | 4,757 |
| Assets per employee ($millions) | 3.5548% | 4,714 |
| Cash dividends to net income (ytd only)* | 98.1267% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 4,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 55.5916% | 4,329 |
| Net loans and leases to deposits | 61.1256% | 4,694 |
| Net loans and leases to core deposits | 63.3615% | 4,777 |
| Total domestic deposits to total assets | 90.9465% | 293 |
| Equity capital to assets | 7.2473% | 6,018 |
| Core capital (leverage) ratio | 7.5146% | 5,978 |
| Tier 1 risk-based capital ratio | 13.4762% | 4,018 |
| Total risk-based capital ratio | 14.5441% | 4,055 |
| Memoranda: | ||
| Average total assets | $84,129,600 | 4,788 |
| Average earning assets | $79,817,400 | 4,719 |
| Average equity | $6,485,800 | 5,349 |
| Average total loans | $44,696,800 | 4,841 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 2,544 |
| Cost of funding earning assets | 0.2942% | 4,403 |
| Net interest margin | 3.9155% | 1,981 |
| Noninterest income to average assets | 1.3185% | 701 |
| Noninterest expense to average assets | 3.0854% | 2,262 |
| Loan and lease loss provision to assets | 0.0032% | 4,193 |
| Net operating income to assets | 1.3026% | 1,339 |
| Return on assets (ROA) | 1.3026% | 1,392 |
| Pretax return on assets | 1.9339% | 679 |
| Return on Equity (ROE) | 16.6421% | 513 |
| Retained earnings to average equity (ytd only) | 16.6421% | 116 |
| Net charge-offs to loans | 0.0365% | 3,179 |
| Credit loss provision to net charge-offs | 16.6667% | 3,390 |
| Earnings coverage of net charge-offs (x) | 101.4975% | 617 |
| Efficiency ratio | 61.4313% | 4,653 |
| Assets per employee ($millions) | 3.1554% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 4,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.1424% | 4,556 |
| Net loans and leases to deposits | 59.2807% | 4,903 |
| Net loans and leases to core deposits | 61.5256% | 4,969 |
| Total domestic deposits to total assets | 91.3324% | 179 |
| Equity capital to assets | 8.5092% | 5,704 |
| Core capital (leverage) ratio | 8.4511% | 5,589 |
| Tier 1 risk-based capital ratio | 16.3769% | 2,633 |
| Total risk-based capital ratio | 17.5241% | 2,638 |
| Memoranda: | ||
| Average total assets | $83,833,250 | 4,853 |
| Average earning assets | $79,306,500 | 4,794 |
| Average equity | $6,561,500 | 5,402 |
| Average total loans | $43,891,500 | 4,917 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 2,886 |
| Cost of funding earning assets | 0.2927% | 4,472 |
| Net interest margin | 3.8102% | 2,274 |
| Noninterest income to average assets | 1.2934% | 729 |
| Noninterest expense to average assets | 3.0344% | 2,447 |
| Loan and lease loss provision to assets | -0.0095% | 5,962 |
| Net operating income to assets | 1.3550% | 1,183 |
| Return on assets (ROA) | 1.3550% | 1,227 |
| Pretax return on assets | 1.8761% | 770 |
| Return on Equity (ROE) | 17.7778% | 424 |
| Retained earnings to average equity (ytd only) | 17.7778% | 108 |
| Net charge-offs to loans | -0.0046% | 4,715 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9140% | 4,690 |
| Assets per employee ($millions) | 3.2432% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 4,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 52.2740% | 4,731 |
| Net loans and leases to deposits | 56.8563% | 5,073 |
| Net loans and leases to core deposits | 58.6773% | 5,150 |
| Total domestic deposits to total assets | 91.9405% | 131 |
| Equity capital to assets | 7.9848% | 5,991 |
| Core capital (leverage) ratio | 7.9680% | 5,945 |
| Tier 1 risk-based capital ratio | 15.0633% | 3,322 |
| Total risk-based capital ratio | 16.1730% | 3,333 |
| Memoranda: | ||
| Average total assets | $84,431,000 | 4,885 |
| Average earning assets | $79,943,670 | 4,829 |
| Average equity | $6,435,000 | 5,466 |
| Average total loans | $43,552,670 | 4,968 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,231 |
| Cost of funding earning assets | 0.2871% | 4,588 |
| Net interest margin | 3.7119% | 2,577 |
| Noninterest income to average assets | 1.1978% | 791 |
| Noninterest expense to average assets | 3.0065% | 2,559 |
| Loan and lease loss provision to assets | -0.0189% | 6,118 |
| Net operating income to assets | 1.1836% | 1,596 |
| Return on assets (ROA) | 1.1836% | 1,693 |
| Pretax return on assets | 1.7613% | 935 |
| Return on Equity (ROE) | 15.9084% | 580 |
| Retained earnings to average equity (ytd only) | 15.9084% | 224 |
| Net charge-offs to loans | -0.0186% | 5,006 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3101% | 4,586 |
| Assets per employee ($millions) | 3.2845% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 4,283 |
| Loan loss allowance to noncurrent loans | 240.0966% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 4,970 |
| Noncurrent loans to loans | 0.4774% | 4,146 |
| Net loans and leases to total assets | 50.1932% | 4,826 |
| Net loans and leases to deposits | 54.3249% | 5,170 |
| Net loans and leases to core deposits | 56.0314% | 5,249 |
| Total domestic deposits to total assets | 92.3944% | 107 |
| Equity capital to assets | 7.5072% | 6,176 |
| Core capital (leverage) ratio | 7.6267% | 6,103 |
| Tier 1 risk-based capital ratio | 14.6977% | 3,609 |
| Total risk-based capital ratio | 15.8371% | 3,599 |
| Memoranda: | ||
| Average total assets | $84,485,000 | 4,929 |
| Average earning assets | $80,821,500 | 4,848 |
| Average equity | $6,286,000 | 5,535 |
| Average total loans | $43,041,500 | 5,019 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 2,741 |
| Cost of funding earning assets | 0.3174% | 4,607 |
| Net interest margin | 3.9426% | 2,080 |
| Noninterest income to average assets | 1.3432% | 675 |
| Noninterest expense to average assets | 3.1288% | 2,425 |
| Loan and lease loss provision to assets | 0.0246% | 4,111 |
| Net operating income to assets | 1.3025% | 1,302 |
| Return on assets (ROA) | 1.3025% | 1,351 |
| Pretax return on assets | 1.9557% | 556 |
| Return on Equity (ROE) | 17.3313% | 453 |
| Retained earnings to average equity (ytd only) | 7.4933% | 1,193 |
| Net charge-offs to loans | -0.0045% | 5,457 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2397% | 5,030 |
| Assets per employee ($millions) | 3.3429% | 5,192 |
| Cash dividends to net income (ytd only)* | 56.7644% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 4,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.5229% | 4,915 |
| Net loans and leases to deposits | 54.5742% | 5,289 |
| Net loans and leases to core deposits | 56.3214% | 5,361 |
| Total domestic deposits to total assets | 92.5765% | 92 |
| Equity capital to assets | 7.3721% | 6,265 |
| Core capital (leverage) ratio | 7.2889% | 6,259 |
| Tier 1 risk-based capital ratio | 14.0784% | 4,040 |
| Total risk-based capital ratio | 15.2187% | 4,043 |
| Memoranda: | ||
| Average total assets | $81,149,000 | 5,035 |
| Average earning assets | $77,512,200 | 4,940 |
| Average equity | $6,098,800 | 5,599 |
| Average total loans | $44,359,400 | 5,022 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3203% | 2,543 |
| Cost of funding earning assets | 0.3218% | 4,651 |
| Net interest margin | 3.9985% | 1,887 |
| Noninterest income to average assets | 1.3458% | 675 |
| Noninterest expense to average assets | 3.1783% | 2,245 |
| Loan and lease loss provision to assets | 0.0248% | 3,912 |
| Net operating income to assets | 1.3078% | 1,348 |
| Return on assets (ROA) | 1.3078% | 1,404 |
| Pretax return on assets | 1.9683% | 612 |
| Return on Equity (ROE) | 17.3149% | 515 |
| Retained earnings to average equity (ytd only) | 17.3149% | 131 |
| Net charge-offs to loans | -0.0149% | 5,538 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4597% | 4,972 |
| Assets per employee ($millions) | 3.3430% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 4,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 53.1385% | 4,678 |
| Net loans and leases to deposits | 57.7278% | 5,120 |
| Net loans and leases to core deposits | 59.5843% | 5,222 |
| Total domestic deposits to total assets | 92.0502% | 151 |
| Equity capital to assets | 7.7704% | 6,223 |
| Core capital (leverage) ratio | 7.9467% | 6,106 |
| Tier 1 risk-based capital ratio | 14.3985% | 3,945 |
| Total risk-based capital ratio | 15.5004% | 3,976 |
| Memoranda: | ||
| Average total assets | $80,543,250 | 5,106 |
| Average earning assets | $77,060,500 | 5,008 |
| Average equity | $6,083,250 | 5,659 |
| Average total loans | $44,768,750 | 5,057 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 2,342 |
| Cost of funding earning assets | 0.3298% | 4,649 |
| Net interest margin | 4.0290% | 1,729 |
| Noninterest income to average assets | 1.3278% | 684 |
| Noninterest expense to average assets | 3.2364% | 2,081 |
| Loan and lease loss provision to assets | 0.0251% | 3,778 |
| Net operating income to assets | 1.2699% | 1,391 |
| Return on assets (ROA) | 1.2699% | 1,446 |
| Pretax return on assets | 1.9061% | 676 |
| Return on Equity (ROE) | 16.9853% | 554 |
| Retained earnings to average equity (ytd only) | 16.9853% | 145 |
| Net charge-offs to loans | -0.0179% | 5,502 |
| Credit loss provision to net charge-offs | -250.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6277% | 4,922 |
| Assets per employee ($millions) | 3.4003% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 54.7588% | 4,442 |
| Net loans and leases to deposits | 59.3689% | 4,918 |
| Net loans and leases to core deposits | 60.9937% | 5,052 |
| Total domestic deposits to total assets | 92.2347% | 145 |
| Equity capital to assets | 7.6084% | 6,321 |
| Core capital (leverage) ratio | 7.8240% | 6,198 |
| Tier 1 risk-based capital ratio | 13.7097% | 4,441 |
| Total risk-based capital ratio | 14.7939% | 4,493 |
| Memoranda: | ||
| Average total assets | $79,533,000 | 5,167 |
| Average earning assets | $75,800,670 | 5,082 |
| Average equity | $5,946,330 | 5,724 |
| Average total loans | $44,722,670 | 5,091 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3816% | 2,214 |
| Cost of funding earning assets | 0.3395% | 4,649 |
| Net interest margin | 4.0421% | 1,623 |
| Noninterest income to average assets | 1.2179% | 746 |
| Noninterest expense to average assets | 3.3836% | 1,742 |
| Loan and lease loss provision to assets | 0.0051% | 3,753 |
| Net operating income to assets | 1.1313% | 1,696 |
| Return on assets (ROA) | 1.1313% | 1,761 |
| Pretax return on assets | 1.7122% | 950 |
| Return on Equity (ROE) | 15.2709% | 738 |
| Retained earnings to average equity (ytd only) | 15.2709% | 308 |
| Net charge-offs to loans | -0.0090% | 5,014 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3337% | 4,480 |
| Assets per employee ($millions) | 3.3451% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 55.2147% | 4,252 |
| Net loans and leases to deposits | 59.7815% | 4,787 |
| Net loans and leases to core deposits | 61.4412% | 4,929 |
| Total domestic deposits to total assets | 92.3608% | 186 |
| Equity capital to assets | 7.3814% | 6,352 |
| Core capital (leverage) ratio | 7.5455% | 6,319 |
| Tier 1 risk-based capital ratio | 13.5628% | 4,634 |
| Total risk-based capital ratio | 14.6591% | 4,689 |
| Memoranda: | ||
| Average total assets | $78,496,000 | 5,244 |
| Average earning assets | $75,407,000 | 5,136 |
| Average equity | $5,815,000 | 5,798 |
| Average total loans | $44,495,000 | 5,146 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 2,514 |
| Cost of funding earning assets | 0.4058% | 4,582 |
| Net interest margin | 4.0139% | 1,911 |
| Noninterest income to average assets | 1.2700% | 858 |
| Noninterest expense to average assets | 3.0813% | 2,795 |
| Loan and lease loss provision to assets | 0.0263% | 4,600 |
| Net operating income to assets | 1.3325% | 1,175 |
| Return on assets (ROA) | 1.3325% | 1,215 |
| Pretax return on assets | 2.0075% | 471 |
| Return on Equity (ROE) | 18.1188% | 400 |
| Retained earnings to average equity (ytd only) | 2.8215% | 4,234 |
| Net charge-offs to loans | 0.0833% | 4,047 |
| Credit loss provision to net charge-offs | 56.7568% | 3,658 |
| Earnings coverage of net charge-offs (x) | 43.9730% | 876 |
| Efficiency ratio | 60.2395% | 5,439 |
| Assets per employee ($millions) | 3.1962% | 5,492 |
| Cash dividends to net income (ytd only)* | 84.4278% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 5,245 |
| Loan loss allowance to noncurrent loans | 3,180.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 6,349 |
| Noncurrent loans to loans | 0.0339% | 6,151 |
| Net loans and leases to total assets | 56.9764% | 4,193 |
| Net loans and leases to deposits | 61.5942% | 4,766 |
| Net loans and leases to core deposits | 63.3806% | 4,929 |
| Total domestic deposits to total assets | 92.5028% | 193 |
| Equity capital to assets | 7.4359% | 6,313 |
| Core capital (leverage) ratio | 7.3011% | 6,444 |
| Tier 1 risk-based capital ratio | 13.5726% | 4,598 |
| Total risk-based capital ratio | 14.7076% | 4,615 |
| Memoranda: | ||
| Average total assets | $79,998,400 | 5,234 |
| Average earning assets | $76,633,400 | 5,128 |
| Average equity | $5,883,400 | 5,847 |
| Average total loans | $44,443,400 | 5,168 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 2,727 |
| Cost of funding earning assets | 0.4140% | 4,686 |
| Net interest margin | 3.9483% | 2,123 |
| Noninterest income to average assets | 1.2554% | 931 |
| Noninterest expense to average assets | 3.0552% | 2,805 |
| Loan and lease loss provision to assets | 0.0198% | 4,612 |
| Net operating income to assets | 1.2967% | 1,364 |
| Return on assets (ROA) | 1.2967% | 1,427 |
| Pretax return on assets | 1.9565% | 639 |
| Return on Equity (ROE) | 17.6776% | 469 |
| Retained earnings to average equity (ytd only) | 17.6776% | 114 |
| Net charge-offs to loans | 0.0989% | 3,567 |
| Credit loss provision to net charge-offs | 36.3636% | 3,778 |
| Earnings coverage of net charge-offs (x) | 36.3020% | 1,077 |
| Efficiency ratio | 60.7213% | 5,323 |
| Assets per employee ($millions) | 3.3356% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 5,469 |
| Loan loss allowance to noncurrent loans | 3,146.6667% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 6,437 |
| Noncurrent loans to loans | 0.0338% | 6,239 |
| Net loans and leases to total assets | 54.8423% | 4,477 |
| Net loans and leases to deposits | 59.6822% | 5,016 |
| Net loans and leases to core deposits | 61.9195% | 5,126 |
| Total domestic deposits to total assets | 91.8906% | 259 |
| Equity capital to assets | 7.9008% | 6,212 |
| Core capital (leverage) ratio | 7.8559% | 6,297 |
| Tier 1 risk-based capital ratio | 14.0702% | 4,374 |
| Total risk-based capital ratio | 15.1205% | 4,477 |
| Memoranda: | ||
| Average total assets | $80,820,750 | 5,267 |
| Average earning assets | $77,297,750 | 5,161 |
| Average equity | $5,928,250 | 5,911 |
| Average total loans | $44,508,500 | 5,221 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,807 |
| Cost of funding earning assets | 0.4235% | 4,726 |
| Net interest margin | 3.9126% | 2,181 |
| Noninterest income to average assets | 1.2605% | 975 |
| Noninterest expense to average assets | 3.0564% | 2,812 |
| Loan and lease loss provision to assets | 0.0173% | 4,554 |
| Net operating income to assets | 1.2704% | 1,403 |
| Return on assets (ROA) | 1.2704% | 1,503 |
| Pretax return on assets | 1.9241% | 708 |
| Return on Equity (ROE) | 17.7709% | 478 |
| Retained earnings to average equity (ytd only) | 17.7709% | 130 |
| Net charge-offs to loans | 0.1122% | 3,241 |
| Credit loss provision to net charge-offs | 28.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | 31.4800% | 1,112 |
| Efficiency ratio | 61.1550% | 5,300 |
| Assets per employee ($millions) | 3.2465% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 5,557 |
| Loan loss allowance to noncurrent loans | 2,968.7500% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 5,774 |
| Noncurrent loans to loans | 0.0359% | 6,295 |
| Net loans and leases to total assets | 54.2631% | 4,550 |
| Net loans and leases to deposits | 58.7268% | 5,098 |
| Net loans and leases to core deposits | 60.9176% | 5,179 |
| Total domestic deposits to total assets | 92.3992% | 200 |
| Equity capital to assets | 7.4604% | 6,456 |
| Core capital (leverage) ratio | 7.4396% | 6,480 |
| Tier 1 risk-based capital ratio | 13.5796% | 4,725 |
| Total risk-based capital ratio | 14.6454% | 4,791 |
| Memoranda: | ||
| Average total assets | $81,076,000 | 5,293 |
| Average earning assets | $77,442,670 | 5,185 |
| Average equity | $5,796,000 | 5,974 |
| Average total loans | $44,552,670 | 5,243 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 3,047 |
| Cost of funding earning assets | 0.4218% | 4,895 |
| Net interest margin | 3.8422% | 2,314 |
| Noninterest income to average assets | 1.1551% | 1,124 |
| Noninterest expense to average assets | 3.0210% | 2,919 |
| Loan and lease loss provision to assets | -0.0346% | 6,772 |
| Net operating income to assets | 1.2143% | 1,492 |
| Return on assets (ROA) | 1.2143% | 1,600 |
| Pretax return on assets | 1.8560% | 795 |
| Return on Equity (ROE) | 17.3652% | 482 |
| Retained earnings to average equity (ytd only) | 17.3652% | 219 |
| Net charge-offs to loans | -0.0090% | 5,401 |
| Credit loss provision to net charge-offs | 700.0000% | 403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3853% | 5,260 |
| Assets per employee ($millions) | 3.4830% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 5,647 |
| Loan loss allowance to noncurrent loans | 216.8889% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 5,756 |
| Noncurrent loans to loans | 0.5023% | 5,170 |
| Net loans and leases to total assets | 53.0081% | 4,560 |
| Net loans and leases to deposits | 57.1182% | 5,127 |
| Net loans and leases to core deposits | 59.1715% | 5,230 |
| Total domestic deposits to total assets | 92.8042% | 144 |
| Equity capital to assets | 6.9254% | 6,728 |
| Core capital (leverage) ratio | 7.1742% | 6,590 |
| Tier 1 risk-based capital ratio | 12.9972% | 5,222 |
| Total risk-based capital ratio | 14.0937% | 5,292 |
| Memoranda: | ||
| Average total assets | $81,033,000 | 5,337 |
| Average earning assets | $77,768,000 | 5,212 |
| Average equity | $5,666,500 | 6,059 |
| Average total loans | $44,571,000 | 5,277 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 2,655 |
| Cost of funding earning assets | 0.5173% | 5,094 |
| Net interest margin | 4.1682% | 1,749 |
| Noninterest income to average assets | 1.2702% | 965 |
| Noninterest expense to average assets | 3.1996% | 2,614 |
| Loan and lease loss provision to assets | 0.0287% | 5,536 |
| Net operating income to assets | 1.3666% | 1,162 |
| Return on assets (ROA) | 1.3666% | 1,286 |
| Pretax return on assets | 2.0206% | 575 |
| Return on Equity (ROE) | 18.4430% | 405 |
| Retained earnings to average equity (ytd only) | 3.4987% | 3,756 |
| Net charge-offs to loans | 0.2186% | 3,641 |
| Credit loss provision to net charge-offs | 22.4490% | 5,253 |
| Earnings coverage of net charge-offs (x) | 16.0510% | 1,607 |
| Efficiency ratio | 60.9581% | 5,392 |
| Assets per employee ($millions) | 3.1390% | 5,767 |
| Cash dividends to net income (ytd only)* | 81.0296% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,502 |
| Loan loss allowance to noncurrent loans | 217.1806% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 5,817 |
| Noncurrent loans to loans | 0.5119% | 5,251 |
| Net loans and leases to total assets | 55.8789% | 4,313 |
| Net loans and leases to deposits | 60.1845% | 5,009 |
| Net loans and leases to core deposits | 61.9181% | 5,165 |
| Total domestic deposits to total assets | 92.8461% | 148 |
| Equity capital to assets | 7.0647% | 6,765 |
| Core capital (leverage) ratio | 7.2467% | 6,614 |
| Tier 1 risk-based capital ratio | 12.7430% | 5,299 |
| Total risk-based capital ratio | 13.8774% | 5,326 |
| Memoranda: | ||
| Average total assets | $76,759,200 | 5,441 |
| Average earning assets | $73,268,800 | 5,334 |
| Average equity | $5,687,800 | 6,105 |
| Average total loans | $44,829,800 | 5,291 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 2,649 |
| Cost of funding earning assets | 0.5362% | 5,199 |
| Net interest margin | 4.1978% | 1,743 |
| Noninterest income to average assets | 1.2612% | 937 |
| Noninterest expense to average assets | 3.2909% | 2,297 |
| Loan and lease loss provision to assets | 0.0297% | 5,410 |
| Net operating income to assets | 1.3223% | 1,390 |
| Return on assets (ROA) | 1.3223% | 1,522 |
| Pretax return on assets | 1.9476% | 782 |
| Return on Equity (ROE) | 17.6337% | 541 |
| Retained earnings to average equity (ytd only) | 17.6337% | 133 |
| Net charge-offs to loans | 0.2937% | 2,969 |
| Credit loss provision to net charge-offs | 17.1717% | 4,994 |
| Earnings coverage of net charge-offs (x) | 11.4341% | 2,078 |
| Efficiency ratio | 62.4668% | 5,076 |
| Assets per employee ($millions) | 3.1268% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 5,832 |
| Loan loss allowance to noncurrent loans | 273.5955% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 6,105 |
| Noncurrent loans to loans | 0.3905% | 5,680 |
| Net loans and leases to total assets | 60.0887% | 3,765 |
| Net loans and leases to deposits | 65.5574% | 4,529 |
| Net loans and leases to core deposits | 67.5591% | 4,768 |
| Total domestic deposits to total assets | 91.6582% | 254 |
| Equity capital to assets | 8.1312% | 6,526 |
| Core capital (leverage) ratio | 8.1167% | 6,215 |
| Tier 1 risk-based capital ratio | 13.9643% | 4,557 |
| Total risk-based capital ratio | 15.0801% | 4,629 |
| Memoranda: | ||
| Average total assets | $76,330,250 | 5,505 |
| Average earning assets | $72,862,250 | 5,406 |
| Average equity | $5,723,750 | 6,166 |
| Average total loans | $44,951,250 | 5,346 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 3,037 |
| Cost of funding earning assets | 0.5628% | 5,205 |
| Net interest margin | 4.1091% | 2,053 |
| Noninterest income to average assets | 1.2715% | 884 |
| Noninterest expense to average assets | 3.2439% | 2,458 |
| Loan and lease loss provision to assets | 0.0313% | 5,274 |
| Net operating income to assets | 1.3028% | 1,434 |
| Return on assets (ROA) | 1.3028% | 1,587 |
| Pretax return on assets | 1.9151% | 826 |
| Return on Equity (ROE) | 17.8646% | 524 |
| Retained earnings to average equity (ytd only) | 17.8646% | 149 |
| Net charge-offs to loans | 0.3218% | 2,747 |
| Credit loss provision to net charge-offs | 16.6667% | 4,658 |
| Earnings coverage of net charge-offs (x) | 10.3750% | 2,055 |
| Efficiency ratio | 62.5000% | 5,167 |
| Assets per employee ($millions) | 2.9893% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,640 |
| Loan loss allowance to noncurrent loans | 25,450.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 6,434 |
| Noncurrent loans to loans | 0.0044% | 6,711 |
| Net loans and leases to total assets | 57.2213% | 4,294 |
| Net loans and leases to deposits | 62.0049% | 4,991 |
| Net loans and leases to core deposits | 64.1431% | 5,199 |
| Total domestic deposits to total assets | 92.2852% | 188 |
| Equity capital to assets | 7.5243% | 6,790 |
| Core capital (leverage) ratio | 7.5837% | 6,576 |
| Tier 1 risk-based capital ratio | 13.1084% | 5,107 |
| Total risk-based capital ratio | 14.2511% | 5,164 |
| Memoranda: | ||
| Average total assets | $76,759,000 | 5,526 |
| Average earning assets | $73,203,670 | 5,427 |
| Average equity | $5,597,670 | 6,217 |
| Average total loans | $44,741,670 | 5,393 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6346% | 3,343 |
| Cost of funding earning assets | 0.6121% | 5,038 |
| Net interest margin | 4.0225% | 2,409 |
| Noninterest income to average assets | 1.2481% | 908 |
| Noninterest expense to average assets | 3.1831% | 2,660 |
| Loan and lease loss provision to assets | 0.0524% | 4,756 |
| Net operating income to assets | 1.2743% | 1,524 |
| Return on assets (ROA) | 1.2743% | 1,694 |
| Pretax return on assets | 1.8721% | 930 |
| Return on Equity (ROE) | 17.7615% | 571 |
| Retained earnings to average equity (ytd only) | 17.7615% | 266 |
| Net charge-offs to loans | 0.6544% | 1,494 |
| Credit loss provision to net charge-offs | 13.6986% | 3,857 |
| Earnings coverage of net charge-offs (x) | 5.0274% | 2,456 |
| Efficiency ratio | 62.3203% | 5,214 |
| Assets per employee ($millions) | 3.0174% | 6,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 5,754 |
| Loan loss allowance to noncurrent loans | 326.4516% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 6,043 |
| Noncurrent loans to loans | 0.3492% | 5,975 |
| Net loans and leases to total assets | 55.9361% | 4,397 |
| Net loans and leases to deposits | 60.4033% | 5,103 |
| Net loans and leases to core deposits | 62.4989% | 5,273 |
| Total domestic deposits to total assets | 92.6044% | 173 |
| Equity capital to assets | 7.1305% | 6,901 |
| Core capital (leverage) ratio | 7.2894% | 6,731 |
| Tier 1 risk-based capital ratio | 13.0898% | 5,140 |
| Total risk-based capital ratio | 14.2763% | 5,167 |
| Memoranda: | ||
| Average total assets | $76,278,000 | 5,585 |
| Average earning assets | $73,188,500 | 5,462 |
| Average equity | $5,472,500 | 6,289 |
| Average total loans | $44,621,500 | 5,442 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2085% | 2,022 |
| Cost of funding earning assets | 0.8065% | 4,821 |
| Net interest margin | 4.4019% | 1,395 |
| Noninterest income to average assets | 1.4451% | 623 |
| Noninterest expense to average assets | 3.3344% | 2,406 |
| Loan and lease loss provision to assets | 0.0720% | 5,715 |
| Net operating income to assets | 1.4845% | 858 |
| Return on assets (ROA) | 1.4845% | 932 |
| Pretax return on assets | 2.1677% | 392 |
| Return on Equity (ROE) | 21.3368% | 210 |
| Retained earnings to average equity (ytd only) | 13.5283% | 193 |
| Net charge-offs to loans | 0.0556% | 5,760 |
| Credit loss provision to net charge-offs | 212.0000% | 1,162 |
| Earnings coverage of net charge-offs (x) | 65.9600% | 451 |
| Efficiency ratio | 59.8197% | 5,787 |
| Assets per employee ($millions) | 2.8502% | 6,379 |
| Cash dividends to net income (ytd only)* | 36.5965% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,086 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 6,565 |
| Noncurrent loans to loans | 0.0089% | 6,835 |
| Net loans and leases to total assets | 59.7620% | 4,034 |
| Net loans and leases to deposits | 64.5004% | 4,941 |
| Net loans and leases to core deposits | 66.8680% | 5,164 |
| Total domestic deposits to total assets | 92.6536% | 163 |
| Equity capital to assets | 7.2209% | 6,896 |
| Core capital (leverage) ratio | 7.0494% | 6,843 |
| Tier 1 risk-based capital ratio | 12.8323% | 5,211 |
| Total risk-based capital ratio | 14.0845% | 5,189 |
| Memoranda: | ||
| Average total assets | $73,627,200 | 5,655 |
| Average earning assets | $69,060,600 | 5,573 |
| Average equity | $5,122,600 | 6,401 |
| Average total loans | $44,944,000 | 5,472 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2669% | 1,974 |
| Cost of funding earning assets | 0.8402% | 4,854 |
| Net interest margin | 4.4267% | 1,324 |
| Noninterest income to average assets | 1.4674% | 606 |
| Noninterest expense to average assets | 3.3846% | 2,236 |
| Loan and lease loss provision to assets | 0.0816% | 5,421 |
| Net operating income to assets | 1.4619% | 1,023 |
| Return on assets (ROA) | 1.4619% | 1,099 |
| Pretax return on assets | 2.1294% | 489 |
| Return on Equity (ROE) | 21.2149% | 249 |
| Retained earnings to average equity (ytd only) | 21.2149% | 61 |
| Net charge-offs to loans | 0.0919% | 5,052 |
| Credit loss provision to net charge-offs | 145.1613% | 2,178 |
| Earnings coverage of net charge-offs (x) | 39.3247% | 779 |
| Efficiency ratio | 60.4862% | 5,639 |
| Assets per employee ($millions) | 2.7878% | 6,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 5,283 |
| Loan loss allowance to noncurrent loans | 11,100.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 6,669 |
| Noncurrent loans to loans | 0.0112% | 6,928 |
| Net loans and leases to total assets | 58.5498% | 4,408 |
| Net loans and leases to deposits | 63.3086% | 5,256 |
| Net loans and leases to core deposits | 65.2063% | 5,499 |
| Total domestic deposits to total assets | 92.4832% | 163 |
| Equity capital to assets | 7.2631% | 7,000 |
| Core capital (leverage) ratio | 7.2841% | 6,864 |
| Tier 1 risk-based capital ratio | 12.6397% | 5,379 |
| Total risk-based capital ratio | 13.8895% | 5,363 |
| Memoranda: | ||
| Average total assets | $73,508,000 | 5,696 |
| Average earning assets | $68,552,500 | 5,634 |
| Average equity | $5,065,500 | 6,477 |
| Average total loans | $44,966,500 | 5,518 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3245% | 1,806 |
| Cost of funding earning assets | 0.8557% | 5,021 |
| Net interest margin | 4.4689% | 1,203 |
| Noninterest income to average assets | 1.5140% | 558 |
| Noninterest expense to average assets | 3.4147% | 2,220 |
| Loan and lease loss provision to assets | 0.0850% | 5,245 |
| Net operating income to assets | 1.5112% | 866 |
| Return on assets (ROA) | 1.5112% | 927 |
| Pretax return on assets | 2.1969% | 412 |
| Return on Equity (ROE) | 22.3454% | 224 |
| Retained earnings to average equity (ytd only) | 22.3454% | 71 |
| Net charge-offs to loans | 0.0843% | 4,796 |
| Credit loss provision to net charge-offs | 163.1579% | 1,853 |
| Earnings coverage of net charge-offs (x) | 43.7895% | 694 |
| Efficiency ratio | 59.9422% | 5,882 |
| Assets per employee ($millions) | 2.9439% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 5,520 |
| Loan loss allowance to noncurrent loans | 368.6667% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 6,566 |
| Noncurrent loans to loans | 0.3268% | 6,257 |
| Net loans and leases to total assets | 59.2506% | 4,419 |
| Net loans and leases to deposits | 63.7355% | 5,313 |
| Net loans and leases to core deposits | 65.2701% | 5,586 |
| Total domestic deposits to total assets | 92.9632% | 132 |
| Equity capital to assets | 6.8094% | 7,143 |
| Core capital (leverage) ratio | 6.9694% | 7,006 |
| Tier 1 risk-based capital ratio | 11.7550% | 5,970 |
| Total risk-based capital ratio | 13.0058% | 5,968 |
| Memoranda: | ||
| Average total assets | $72,920,330 | 5,756 |
| Average earning assets | $68,250,000 | 5,687 |
| Average equity | $4,931,670 | 6,559 |
| Average total loans | $45,080,000 | 5,553 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4336% | 1,467 |
| Cost of funding earning assets | 0.8727% | 5,110 |
| Net interest margin | 4.5609% | 938 |
| Noninterest income to average assets | 1.4063% | 653 |
| Noninterest expense to average assets | 3.4144% | 2,237 |
| Loan and lease loss provision to assets | 0.0450% | 5,438 |
| Net operating income to assets | 1.5469% | 785 |
| Return on assets (ROA) | 1.5469% | 822 |
| Pretax return on assets | 2.2388% | 373 |
| Return on Equity (ROE) | 22.9573% | 214 |
| Retained earnings to average equity (ytd only) | 22.9573% | 123 |
| Net charge-offs to loans | 0.1254% | 3,771 |
| Credit loss provision to net charge-offs | 57.1429% | 3,598 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 847 |
| Efficiency ratio | 59.9210% | 5,994 |
| Assets per employee ($millions) | 2.8514% | 6,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 5,718 |
| Loan loss allowance to noncurrent loans | 268.8442% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 6,357 |
| Noncurrent loans to loans | 0.4391% | 6,130 |
| Net loans and leases to total assets | 60.4066% | 4,188 |
| Net loans and leases to deposits | 64.9698% | 5,137 |
| Net loans and leases to core deposits | 66.9552% | 5,404 |
| Total domestic deposits to total assets | 92.9764% | 138 |
| Equity capital to assets | 6.6553% | 7,174 |
| Core capital (leverage) ratio | 6.9102% | 7,041 |
| Tier 1 risk-based capital ratio | 11.2974% | 6,258 |
| Total risk-based capital ratio | 12.5258% | 6,260 |
| Memoranda: | ||
| Average total assets | $71,110,000 | 5,844 |
| Average earning assets | $66,916,500 | 5,769 |
| Average equity | $4,791,500 | 6,621 |
| Average total loans | $44,668,000 | 5,628 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6510% | 1,746 |
| Cost of funding earning assets | 1.0748% | 5,288 |
| Net interest margin | 4.5763% | 1,062 |
| Noninterest income to average assets | 1.6142% | 560 |
| Noninterest expense to average assets | 3.6327% | 1,841 |
| Loan and lease loss provision to assets | 0.3039% | 4,375 |
| Net operating income to assets | 1.3932% | 962 |
| Return on assets (ROA) | 1.3932% | 1,037 |
| Pretax return on assets | 1.9996% | 475 |
| Return on Equity (ROE) | 20.5104% | 224 |
| Retained earnings to average equity (ytd only) | 6.5942% | 1,509 |
| Net charge-offs to loans | 0.2795% | 4,627 |
| Credit loss provision to net charge-offs | 164.5669% | 2,099 |
| Earnings coverage of net charge-offs (x) | 12.4724% | 1,499 |
| Efficiency ratio | 61.1955% | 5,860 |
| Assets per employee ($millions) | 2.5216% | 6,976 |
| Cash dividends to net income (ytd only)* | 67.8497% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 5,371 |
| Loan loss allowance to noncurrent loans | 123.7986% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 5,662 |
| Noncurrent loans to loans | 0.9928% | 5,075 |
| Net loans and leases to total assets | 63.8579% | 3,905 |
| Net loans and leases to deposits | 68.6634% | 5,013 |
| Net loans and leases to core deposits | 71.0978% | 5,323 |
| Total domestic deposits to total assets | 93.0013% | 141 |
| Equity capital to assets | 6.8283% | 7,166 |
| Core capital (leverage) ratio | 6.8568% | 7,086 |
| Tier 1 risk-based capital ratio | 11.6547% | 5,768 |
| Total risk-based capital ratio | 12.9068% | 5,773 |
| Memoranda: | ||
| Average total assets | $68,765,000 | 5,917 |
| Average earning assets | $64,943,800 | 5,831 |
| Average equity | $4,670,800 | 6,767 |
| Average total loans | $45,437,200 | 5,688 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6591% | 1,854 |
| Cost of funding earning assets | 1.1064% | 5,388 |
| Net interest margin | 4.5527% | 1,147 |
| Noninterest income to average assets | 1.5821% | 559 |
| Noninterest expense to average assets | 3.6807% | 1,614 |
| Loan and lease loss provision to assets | 0.3443% | 3,859 |
| Net operating income to assets | 1.3636% | 1,184 |
| Return on assets (ROA) | 1.3636% | 1,267 |
| Pretax return on assets | 1.8471% | 851 |
| Return on Equity (ROE) | 20.1011% | 304 |
| Retained earnings to average equity (ytd only) | 20.1011% | 83 |
| Net charge-offs to loans | 0.3348% | 3,980 |
| Credit loss provision to net charge-offs | 154.7826% | 2,481 |
| Earnings coverage of net charge-offs (x) | 9.8521% | 1,952 |
| Efficiency ratio | 62.6812% | 5,490 |
| Assets per employee ($millions) | 2.5049% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 5,754 |
| Loan loss allowance to noncurrent loans | 100.7722% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 5,554 |
| Noncurrent loans to loans | 1.1320% | 4,973 |
| Net loans and leases to total assets | 66.8870% | 3,489 |
| Net loans and leases to deposits | 72.5138% | 4,760 |
| Net loans and leases to core deposits | 76.6313% | 4,975 |
| Total domestic deposits to total assets | 92.2404% | 157 |
| Equity capital to assets | 7.4758% | 7,144 |
| Core capital (leverage) ratio | 7.3417% | 6,979 |
| Tier 1 risk-based capital ratio | 12.2263% | 5,241 |
| Total risk-based capital ratio | 13.4773% | 5,213 |
| Memoranda: | ||
| Average total assets | $68,935,250 | 5,974 |
| Average earning assets | $64,955,750 | 5,892 |
| Average equity | $4,676,250 | 6,846 |
| Average total loans | $45,792,000 | 5,744 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5902% | 2,172 |
| Cost of funding earning assets | 1.1321% | 5,504 |
| Net interest margin | 4.4580% | 1,296 |
| Noninterest income to average assets | 1.5684% | 524 |
| Noninterest expense to average assets | 3.6558% | 1,656 |
| Loan and lease loss provision to assets | 0.3777% | 3,447 |
| Net operating income to assets | 1.2109% | 1,531 |
| Return on assets (ROA) | 1.2109% | 1,599 |
| Pretax return on assets | 1.7241% | 1,018 |
| Return on Equity (ROE) | 18.4629% | 429 |
| Retained earnings to average equity (ytd only) | 18.4629% | 116 |
| Net charge-offs to loans | 0.2969% | 3,838 |
| Credit loss provision to net charge-offs | 192.6471% | 2,047 |
| Earnings coverage of net charge-offs (x) | 10.7206% | 1,852 |
| Efficiency ratio | 63.4952% | 5,435 |
| Assets per employee ($millions) | 2.6496% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,696 |
| Loan loss allowance to noncurrent loans | 139.3048% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 6,019 |
| Noncurrent loans to loans | 0.8247% | 5,631 |
| Net loans and leases to total assets | 62.6651% | 4,543 |
| Net loans and leases to deposits | 67.3335% | 5,639 |
| Net loans and leases to core deposits | 70.8853% | 5,784 |
| Total domestic deposits to total assets | 93.0667% | 109 |
| Equity capital to assets | 6.6593% | 7,450 |
| Core capital (leverage) ratio | 6.5720% | 7,358 |
| Tier 1 risk-based capital ratio | 10.9429% | 6,300 |
| Total risk-based capital ratio | 12.1414% | 6,344 |
| Memoranda: | ||
| Average total assets | $69,369,670 | 5,995 |
| Average earning assets | $65,186,000 | 5,919 |
| Average equity | $4,549,670 | 6,920 |
| Average total loans | $45,803,000 | 5,773 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 2,440 |
| Cost of funding earning assets | 1.1699% | 5,555 |
| Net interest margin | 4.3638% | 1,492 |
| Noninterest income to average assets | 1.4410% | 579 |
| Noninterest expense to average assets | 3.6670% | 1,580 |
| Loan and lease loss provision to assets | 0.3280% | 3,435 |
| Net operating income to assets | 1.1188% | 1,771 |
| Return on assets (ROA) | 1.1188% | 1,855 |
| Pretax return on assets | 1.5757% | 1,326 |
| Return on Equity (ROE) | 17.1975% | 587 |
| Retained earnings to average equity (ytd only) | 17.1975% | 274 |
| Net charge-offs to loans | -0.0348% | 7,238 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8254% | 5,158 |
| Assets per employee ($millions) | 2.5766% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 5,834 |
| Loan loss allowance to noncurrent loans | 648.7500% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 7,174 |
| Noncurrent loans to loans | 0.1752% | 6,986 |
| Net loans and leases to total assets | 62.5865% | 4,635 |
| Net loans and leases to deposits | 67.0692% | 5,702 |
| Net loans and leases to core deposits | 70.5472% | 5,868 |
| Total domestic deposits to total assets | 93.3162% | 103 |
| Equity capital to assets | 6.2901% | 7,572 |
| Core capital (leverage) ratio | 6.5637% | 7,443 |
| Tier 1 risk-based capital ratio | 10.4092% | 6,711 |
| Total risk-based capital ratio | 11.6023% | 6,757 |
| Memoranda: | ||
| Average total assets | $68,285,000 | 6,098 |
| Average earning assets | $64,623,000 | 6,013 |
| Average equity | $4,442,500 | 7,021 |
| Average total loans | $46,029,000 | 5,834 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4245% | 786 |
| Cost of funding earning assets | 1.3398% | 6,174 |
| Net interest margin | 5.0847% | 376 |
| Noninterest income to average assets | 1.6782% | 512 |
| Noninterest expense to average assets | 3.8130% | 1,674 |
| Loan and lease loss provision to assets | 0.1327% | 6,310 |
| Net operating income to assets | 1.6908% | 454 |
| Return on assets (ROA) | 1.6908% | 480 |
| Pretax return on assets | 2.5299% | 154 |
| Return on Equity (ROE) | 23.4773% | 120 |
| Retained earnings to average equity (ytd only) | 0.4388% | 4,658 |
| Net charge-offs to loans | 0.0558% | 6,545 |
| Credit loss provision to net charge-offs | 336.0000% | 965 |
| Earnings coverage of net charge-offs (x) | 67.4000% | 402 |
| Efficiency ratio | 58.8824% | 6,635 |
| Assets per employee ($millions) | 2.3861% | 7,370 |
| Cash dividends to net income (ytd only)* | 98.1308% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,457 |
| Loan loss allowance to noncurrent loans | 190.8333% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 6,489 |
| Noncurrent loans to loans | 0.5174% | 6,216 |
| Net loans and leases to total assets | 71.2891% | 2,928 |
| Net loans and leases to deposits | 76.7065% | 4,627 |
| Net loans and leases to core deposits | 88.8717% | 5,240 |
| Total domestic deposits to total assets | 92.9375% | 135 |
| Equity capital to assets | 6.7474% | 7,480 |
| Core capital (leverage) ratio | 6.7096% | 7,408 |
| Tier 1 risk-based capital ratio | 10.6281% | 6,272 |
| Total risk-based capital ratio | 11.7504% | 6,374 |
| Memoranda: | ||
| Average total assets | $63,283,200 | 6,226 |
| Average earning assets | $59,709,000 | 6,135 |
| Average equity | $4,557,600 | 7,094 |
| Average total loans | $44,789,800 | 5,884 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4520% | 836 |
| Cost of funding earning assets | 1.3664% | 6,345 |
| Net interest margin | 5.0857% | 378 |
| Noninterest income to average assets | 1.6699% | 526 |
| Noninterest expense to average assets | 3.7948% | 1,602 |
| Loan and lease loss provision to assets | 0.0741% | 6,618 |
| Net operating income to assets | 1.7270% | 531 |
| Return on assets (ROA) | 1.7270% | 562 |
| Pretax return on assets | 2.5905% | 168 |
| Return on Equity (ROE) | 23.5989% | 149 |
| Retained earnings to average equity (ytd only) | 9.1388% | 808 |
| Net charge-offs to loans | 0.1081% | 5,589 |
| Credit loss provision to net charge-offs | 97.2222% | 5,255 |
| Earnings coverage of net charge-offs (x) | 34.9713% | 831 |
| Efficiency ratio | 58.7484% | 6,602 |
| Assets per employee ($millions) | 2.2868% | 7,516 |
| Cash dividends to net income (ytd only)* | 61.2747% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 6,936 |
| Loan loss allowance to noncurrent loans | 411.3402% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 7,113 |
| Noncurrent loans to loans | 0.2081% | 6,979 |
| Net loans and leases to total assets | 74.8623% | 2,276 |
| Net loans and leases to deposits | 81.3656% | 4,140 |
| Net loans and leases to core deposits | 95.3937% | 4,881 |
| Total domestic deposits to total assets | 92.0073% | 173 |
| Equity capital to assets | 7.5068% | 7,291 |
| Core capital (leverage) ratio | 7.4531% | 7,031 |
| Tier 1 risk-based capital ratio | 11.4392% | 5,490 |
| Total risk-based capital ratio | 12.4244% | 5,728 |
| Memoranda: | ||
| Average total assets | $62,997,750 | 6,280 |
| Average earning assets | $59,328,750 | 6,197 |
| Average equity | $4,610,250 | 7,142 |
| Average total loans | $44,390,750 | 5,955 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3840% | 1,040 |
| Cost of funding earning assets | 1.3926% | 6,508 |
| Net interest margin | 4.9914% | 436 |
| Noninterest income to average assets | 1.6684% | 529 |
| Noninterest expense to average assets | 3.6489% | 1,948 |
| Loan and lease loss provision to assets | 0.0347% | 6,893 |
| Net operating income to assets | 1.8008% | 465 |
| Return on assets (ROA) | 1.8008% | 503 |
| Pretax return on assets | 2.6870% | 157 |
| Return on Equity (ROE) | 24.8153% | 139 |
| Retained earnings to average equity (ytd only) | 24.8153% | 46 |
| Net charge-offs to loans | -0.0458% | 7,832 |
| Credit loss provision to net charge-offs | -110.0000% | 6,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2772% | 6,961 |
| Assets per employee ($millions) | 2.3340% | 7,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 6,648 |
| Loan loss allowance to noncurrent loans | 66.7195% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 4,965 |
| Noncurrent loans to loans | 1.3934% | 4,423 |
| Net loans and leases to total assets | 71.1908% | 3,428 |
| Net loans and leases to deposits | 77.5693% | 4,936 |
| Net loans and leases to core deposits | 91.4079% | 5,409 |
| Total domestic deposits to total assets | 91.7770% | 250 |
| Equity capital to assets | 7.7597% | 7,021 |
| Core capital (leverage) ratio | 7.6363% | 6,847 |
| Tier 1 risk-based capital ratio | 11.5223% | 5,357 |
| Total risk-based capital ratio | 12.5147% | 5,536 |
| Memoranda: | ||
| Average total assets | $63,415,670 | 6,316 |
| Average earning assets | $59,743,330 | 6,236 |
| Average equity | $4,602,000 | 7,206 |
| Average total loans | $43,647,000 | 6,039 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2468% | 1,455 |
| Cost of funding earning assets | 1.4059% | 6,712 |
| Net interest margin | 4.8409% | 561 |
| Noninterest income to average assets | 1.5280% | 597 |
| Noninterest expense to average assets | 3.4646% | 2,186 |
| Loan and lease loss provision to assets | 0.0440% | 6,418 |
| Net operating income to assets | 1.7543% | 579 |
| Return on assets (ROA) | 1.7543% | 634 |
| Pretax return on assets | 2.6095% | 211 |
| Return on Equity (ROE) | 25.0336% | 185 |
| Retained earnings to average equity (ytd only) | 25.0336% | 81 |
| Net charge-offs to loans | -0.0467% | 7,676 |
| Credit loss provision to net charge-offs | -140.0000% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6290% | 6,877 |
| Assets per employee ($millions) | 2.3008% | 7,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,464 |
| Loan loss allowance to noncurrent loans | 403.9216% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 7,080 |
| Noncurrent loans to loans | 0.2364% | 6,857 |
| Net loans and leases to total assets | 66.3366% | 4,505 |
| Net loans and leases to deposits | 71.8482% | 5,763 |
| Net loans and leases to core deposits | 85.1145% | 5,971 |
| Total domestic deposits to total assets | 92.3288% | 138 |
| Equity capital to assets | 7.1372% | 7,606 |
| Core capital (leverage) ratio | 7.2245% | 7,457 |
| Tier 1 risk-based capital ratio | 12.3082% | 4,697 |
| Total risk-based capital ratio | 13.4115% | 4,712 |
| Memoranda: | ||
| Average total assets | $63,614,500 | 6,334 |
| Average earning assets | $60,319,000 | 6,246 |
| Average equity | $4,458,000 | 7,298 |
| Average total loans | $42,828,500 | 6,099 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0419% | 1,022 |
| Cost of funding earning assets | 2.0453% | 6,260 |
| Net interest margin | 4.9966% | 512 |
| Noninterest income to average assets | 1.7345% | 452 |
| Noninterest expense to average assets | 3.5100% | 2,370 |
| Loan and lease loss provision to assets | 0.0505% | 6,780 |
| Net operating income to assets | 1.8924% | 441 |
| Return on assets (ROA) | 1.8924% | 431 |
| Pretax return on assets | 2.8434% | 112 |
| Return on Equity (ROE) | 26.4401% | 107 |
| Retained earnings to average equity (ytd only) | 1.0594% | 4,586 |
| Net charge-offs to loans | 0.0431% | 6,171 |
| Credit loss provision to net charge-offs | 177.7778% | 2,844 |
| Earnings coverage of net charge-offs (x) | 101.7778% | 429 |
| Efficiency ratio | 54.8101% | 7,171 |
| Assets per employee ($millions) | 2.2431% | 7,643 |
| Cash dividends to net income (ytd only)* | 95.9933% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 6,442 |
| Loan loss allowance to noncurrent loans | 526.3158% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 7,096 |
| Noncurrent loans to loans | 0.1788% | 6,851 |
| Net loans and leases to total assets | 67.0461% | 4,627 |
| Net loans and leases to deposits | 72.3075% | 6,025 |
| Net loans and leases to core deposits | 85.1961% | 6,195 |
| Total domestic deposits to total assets | 92.7236% | 71 |
| Equity capital to assets | 6.8751% | 7,793 |
| Core capital (leverage) ratio | 6.7806% | 7,825 |
| Tier 1 risk-based capital ratio | 11.1034% | 5,640 |
| Total risk-based capital ratio | 12.1322% | 5,745 |
| Memoranda: | ||
| Average total assets | $63,304,400 | 6,262 |
| Average earning assets | $59,160,000 | 6,215 |
| Average equity | $4,531,000 | 7,321 |
| Average total loans | $41,805,800 | 6,085 |