Home > First Bank and Trust of Childress > Performance and Condition Ratios
First Bank and Trust of Childress, Performance and Condition Ratios
| 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 | 2.9427% | 4,154 |
| Cost of funding earning assets | 0.9838% | 115 |
| Net interest margin | 1.9589% | 4,727 |
| Noninterest income to average assets | 0.2223% | 4,071 |
| Noninterest expense to average assets | 1.4646% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6205% | 3,938 |
| Return on assets (ROA) | 0.6191% | 4,000 |
| Pretax return on assets | 0.6191% | 4,202 |
| Return on Equity (ROE) | 7.6200% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.0185% | 3,174 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2420% | 1,606 |
| Assets per employee ($millions) | 8.5767% | 981 |
| Cash dividends to net income (ytd only)* | 34.1410% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4987% | 4,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.6449% | 4,360 |
| Net loans and leases to deposits | 41.9836% | 4,457 |
| Net loans and leases to core deposits | 66.0921% | 3,103 |
| Total domestic deposits to total assets | 92.0475% | 117 |
| Equity capital to assets | 7.6862% | 4,680 |
| Core capital (leverage) ratio | 7.5996% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5060% | 1,035 |
| Memoranda: | ||
| Average total assets | $146,666,000 | 3,553 |
| Average earning assets | $139,463,667 | 3,518 |
| Average equity | $11,916,000 | 3,998 |
| Average total loans | $60,971,667 | 3,877 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7750% | 4,398 |
| Cost of funding earning assets | 0.9848% | 145 |
| Net interest margin | 1.7901% | 4,813 |
| Noninterest income to average assets | 0.2801% | 3,722 |
| Noninterest expense to average assets | 1.5041% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5070% | 4,164 |
| Return on assets (ROA) | 0.5098% | 4,191 |
| Pretax return on assets | 0.5098% | 4,329 |
| Return on Equity (ROE) | 6.0966% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.0966% | 2,858 |
| Net charge-offs to loans | -0.0130% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7911% | 1,241 |
| Assets per employee ($millions) | 7.8412% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4890% | 4,783 |
| Loan loss allowance to noncurrent loans | 323.6559% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,929 |
| Noncurrent loans to loans | 0.1511% | 3,571 |
| Net loans and leases to total assets | 41.1184% | 4,286 |
| Net loans and leases to deposits | 44.7045% | 4,399 |
| Net loans and leases to core deposits | 72.1220% | 2,692 |
| Total domestic deposits to total assets | 91.9782% | 152 |
| Equity capital to assets | 7.8828% | 4,556 |
| Core capital (leverage) ratio | 7.8228% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9041% | 1,323 |
| Memoranda: | ||
| Average total assets | $142,809,000 | 3,608 |
| Average earning assets | $138,092,500 | 3,535 |
| Average equity | $11,941,000 | 4,007 |
| Average total loans | $61,478,000 | 3,890 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3948% | 4,198 |
| Cost of funding earning assets | 1.2034% | 273 |
| Net interest margin | 2.1915% | 4,766 |
| Noninterest income to average assets | 0.2803% | 3,801 |
| Noninterest expense to average assets | 1.7064% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6745% | 3,507 |
| Return on assets (ROA) | 1.0950% | 2,064 |
| Pretax return on assets | 1.0950% | 2,714 |
| Return on Equity (ROE) | 12.4032% | 1,205 |
| Retained earnings to average equity (ytd only) | 7.1174% | 1,352 |
| Net charge-offs to loans | 0.0017% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 876.0000% | 136 |
| Efficiency ratio | 71.6688% | 1,725 |
| Assets per employee ($millions) | 7.1914% | 1,451 |
| Cash dividends to net income (ytd only)* | 42.6160% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4870% | 4,801 |
| Loan loss allowance to noncurrent loans | 453.0303% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 4,094 |
| Noncurrent loans to loans | 0.1075% | 3,863 |
| Net loans and leases to total assets | 44.7152% | 4,211 |
| Net loans and leases to deposits | 49.1671% | 4,350 |
| Net loans and leases to core deposits | 77.5667% | 2,587 |
| Total domestic deposits to total assets | 90.9453% | 240 |
| Equity capital to assets | 8.8835% | 4,163 |
| Core capital (leverage) ratio | 7.8946% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6595% | 814 |
| Memoranda: | ||
| Average total assets | $129,866,000 | 3,626 |
| Average earning assets | $124,482,800 | 3,575 |
| Average equity | $11,464,800 | 4,031 |
| Average total loans | $60,466,000 | 3,907 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4774% | 4,245 |
| Cost of funding earning assets | 1.2539% | 302 |
| Net interest margin | 2.2234% | 4,808 |
| Noninterest income to average assets | 0.3287% | 3,514 |
| Noninterest expense to average assets | 1.7153% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7438% | 3,305 |
| Return on assets (ROA) | 0.7895% | 3,247 |
| Pretax return on assets | 0.7895% | 3,673 |
| Return on Equity (ROE) | 8.9583% | 2,410 |
| Retained earnings to average equity (ytd only) | 7.6364% | 1,448 |
| Net charge-offs to loans | 0.0066% | 2,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 238.3333% | 434 |
| Efficiency ratio | 69.7547% | 1,914 |
| Assets per employee ($millions) | 7.1341% | 1,410 |
| Cash dividends to net income (ytd only)* | 14.7563% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4661% | 4,843 |
| Loan loss allowance to noncurrent loans | 501.6949% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,229 |
| Noncurrent loans to loans | 0.0929% | 3,996 |
| Net loans and leases to total assets | 46.6377% | 4,283 |
| Net loans and leases to deposits | 51.4654% | 4,435 |
| Net loans and leases to core deposits | 82.3479% | 2,638 |
| Total domestic deposits to total assets | 90.6195% | 256 |
| Equity capital to assets | 9.1946% | 3,956 |
| Core capital (leverage) ratio | 8.0427% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2848% | 870 |
| Memoranda: | ||
| Average total assets | $128,173,500 | 3,638 |
| Average earning assets | $122,809,250 | 3,583 |
| Average equity | $11,296,500 | 4,058 |
| Average total loans | $60,233,500 | 3,938 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 4,329 |
| Cost of funding earning assets | 1.3402% | 301 |
| Net interest margin | 2.2220% | 4,868 |
| Noninterest income to average assets | 0.3277% | 3,507 |
| Noninterest expense to average assets | 1.7373% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7111% | 3,355 |
| Return on assets (ROA) | 0.7111% | 3,467 |
| Pretax return on assets | 0.7111% | 3,847 |
| Return on Equity (ROE) | 8.1961% | 2,664 |
| Retained earnings to average equity (ytd only) | 7.2059% | 1,568 |
| Net charge-offs to loans | 0.0101% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 536 |
| Efficiency ratio | 70.9552% | 1,828 |
| Assets per employee ($millions) | 7.1568% | 1,359 |
| Cash dividends to net income (ytd only)* | 12.0805% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4705% | 4,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 46.2027% | 4,354 |
| Net loans and leases to deposits | 51.3255% | 4,472 |
| Net loans and leases to core deposits | 82.9539% | 2,697 |
| Total domestic deposits to total assets | 90.0190% | 394 |
| Equity capital to assets | 8.6925% | 4,360 |
| Core capital (leverage) ratio | 8.0350% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7746% | 939 |
| Memoranda: | ||
| Average total assets | $125,715,667 | 3,650 |
| Average earning assets | $119,982,333 | 3,602 |
| Average equity | $10,907,667 | 4,098 |
| Average total loans | $59,140,667 | 3,963 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 4,259 |
| Cost of funding earning assets | 1.4939% | 280 |
| Net interest margin | 2.2881% | 4,920 |
| Noninterest income to average assets | 0.4047% | 3,060 |
| Noninterest expense to average assets | 1.8609% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7132% | 3,231 |
| Return on assets (ROA) | 0.7132% | 3,308 |
| Pretax return on assets | 0.7132% | 3,643 |
| Return on Equity (ROE) | 8.2285% | 2,417 |
| Retained earnings to average equity (ytd only) | 8.2285% | 1,165 |
| Net charge-offs to loans | 0.0140% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 548 |
| Efficiency ratio | 72.2938% | 2,040 |
| Assets per employee ($millions) | 6.5305% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5200% | 4,856 |
| Loan loss allowance to noncurrent loans | 2,970.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 4,606 |
| Noncurrent loans to loans | 0.0175% | 4,501 |
| Net loans and leases to total assets | 45.7955% | 4,433 |
| Net loans and leases to deposits | 50.1886% | 4,585 |
| Net loans and leases to core deposits | 84.1050% | 2,843 |
| Total domestic deposits to total assets | 91.2468% | 85 |
| Equity capital to assets | 8.5832% | 4,798 |
| Core capital (leverage) ratio | 8.6831% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7911% | 768 |
| Memoranda: | ||
| Average total assets | $120,584,000 | 3,693 |
| Average earning assets | $114,331,000 | 3,641 |
| Average equity | $10,451,500 | 4,188 |
| Average total loans | $57,149,500 | 4,006 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 3,663 |
| Cost of funding earning assets | 1.6390% | 258 |
| Net interest margin | 2.6158% | 4,897 |
| Noninterest income to average assets | 0.2017% | 4,451 |
| Noninterest expense to average assets | 1.9229% | 4,636 |
| Loan and lease loss provision to assets | -0.0115% | 4,938 |
| Net operating income to assets | 0.7884% | 3,589 |
| Return on assets (ROA) | 0.8025% | 3,632 |
| Pretax return on assets | 0.8025% | 3,968 |
| Return on Equity (ROE) | 9.6594% | 2,451 |
| Retained earnings to average equity (ytd only) | 4.6866% | 2,595 |
| Net charge-offs to loans | -0.0307% | 4,715 |
| Credit loss provision to net charge-offs | 76.4706% | 2,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2235% | 1,984 |
| Assets per employee ($millions) | 5.8544% | 1,753 |
| Cash dividends to net income (ytd only)* | 51.4819% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 4,863 |
| Loan loss allowance to noncurrent loans | 4,983.3333% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,507 |
| Noncurrent loans to loans | 0.0105% | 4,548 |
| Net loans and leases to total assets | 48.5788% | 4,398 |
| Net loans and leases to deposits | 53.3508% | 4,558 |
| Net loans and leases to core deposits | 86.5477% | 2,750 |
| Total domestic deposits to total assets | 91.0554% | 113 |
| Equity capital to assets | 8.7567% | 4,801 |
| Core capital (leverage) ratio | 8.9667% | 4,554 |
| Tier 1 risk-based capital ratio | 19.9965% | 1,329 |
| Total risk-based capital ratio | 20.5781% | 1,418 |
| Memoranda: | ||
| Average total assets | $113,523,800 | 3,782 |
| Average earning assets | $108,418,800 | 3,742 |
| Average equity | $9,431,200 | 4,315 |
| Average total loans | $55,448,000 | 4,068 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 4,146 |
| Cost of funding earning assets | 1.6613% | 236 |
| Net interest margin | 2.4424% | 5,092 |
| Noninterest income to average assets | 0.2024% | 4,507 |
| Noninterest expense to average assets | 1.9615% | 4,624 |
| Loan and lease loss provision to assets | 0.0178% | 3,556 |
| Net operating income to assets | 0.5587% | 4,388 |
| Return on assets (ROA) | 0.5777% | 4,399 |
| Pretax return on assets | 0.5777% | 4,585 |
| Return on Equity (ROE) | 7.0525% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.7547% | 3,024 |
| Net charge-offs to loans | 0.0485% | 2,145 |
| Credit loss provision to net charge-offs | 75.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 24.3465% | 1,799 |
| Efficiency ratio | 77.2854% | 1,180 |
| Assets per employee ($millions) | 6.8052% | 1,113 |
| Cash dividends to net income (ytd only)* | 32.5813% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5099% | 4,963 |
| Loan loss allowance to noncurrent loans | 161.1111% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,742 |
| Noncurrent loans to loans | 0.3165% | 3,394 |
| Net loans and leases to total assets | 48.9078% | 4,483 |
| Net loans and leases to deposits | 53.6944% | 4,644 |
| Net loans and leases to core deposits | 87.9584% | 2,736 |
| Total domestic deposits to total assets | 91.0856% | 92 |
| Equity capital to assets | 8.7225% | 4,914 |
| Core capital (leverage) ratio | 9.0745% | 4,578 |
| Tier 1 risk-based capital ratio | 19.7728% | 1,408 |
| Total risk-based capital ratio | 20.3369% | 1,520 |
| Memoranda: | ||
| Average total assets | $112,632,750 | 3,838 |
| Average earning assets | $107,707,000 | 3,797 |
| Average equity | $9,225,750 | 4,389 |
| Average total loans | $55,015,250 | 4,125 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 4,107 |
| Cost of funding earning assets | 1.6678% | 214 |
| Net interest margin | 2.4549% | 5,151 |
| Noninterest income to average assets | 0.2007% | 4,549 |
| Noninterest expense to average assets | 1.9944% | 4,606 |
| Loan and lease loss provision to assets | 0.0108% | 3,538 |
| Net operating income to assets | 0.5429% | 4,440 |
| Return on assets (ROA) | 0.5716% | 4,417 |
| Pretax return on assets | 0.5716% | 4,591 |
| Return on Equity (ROE) | 7.1386% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.4155% | 2,565 |
| Net charge-offs to loans | 0.0735% | 1,634 |
| Credit loss provision to net charge-offs | 30.0000% | 2,599 |
| Earnings coverage of net charge-offs (x) | 15.4500% | 1,986 |
| Efficiency ratio | 78.2700% | 1,115 |
| Assets per employee ($millions) | 6.2248% | 1,387 |
| Cash dividends to net income (ytd only)* | 24.1379% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5009% | 5,014 |
| Loan loss allowance to noncurrent loans | 80.0570% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 3,065 |
| Noncurrent loans to loans | 0.6257% | 2,382 |
| Net loans and leases to total assets | 49.8188% | 4,480 |
| Net loans and leases to deposits | 54.5762% | 4,660 |
| Net loans and leases to core deposits | 90.1267% | 2,589 |
| Total domestic deposits to total assets | 91.2830% | 76 |
| Equity capital to assets | 8.5545% | 5,018 |
| Core capital (leverage) ratio | 8.9711% | 4,645 |
| Tier 1 risk-based capital ratio | 20.3284% | 1,284 |
| Total risk-based capital ratio | 20.8953% | 1,386 |
| Memoranda: | ||
| Average total assets | $111,614,000 | 3,877 |
| Average earning assets | $106,727,330 | 3,829 |
| Average equity | $8,937,330 | 4,451 |
| Average total loans | $54,396,670 | 4,167 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 4,313 |
| Cost of funding earning assets | 1.6165% | 213 |
| Net interest margin | 2.4098% | 5,221 |
| Noninterest income to average assets | 0.2011% | 4,552 |
| Noninterest expense to average assets | 1.9713% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5314% | 4,430 |
| Return on assets (ROA) | 0.5566% | 4,398 |
| Pretax return on assets | 0.5566% | 4,588 |
| Return on Equity (ROE) | 7.1980% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.1980% | 1,968 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7661% | 1,185 |
| Assets per employee ($millions) | 5.9809% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5486% | 5,021 |
| Loan loss allowance to noncurrent loans | 74.5592% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 3,099 |
| Noncurrent loans to loans | 0.7359% | 2,184 |
| Net loans and leases to total assets | 47.2157% | 4,612 |
| Net loans and leases to deposits | 51.3799% | 4,769 |
| Net loans and leases to core deposits | 83.4124% | 3,068 |
| Total domestic deposits to total assets | 91.8953% | 67 |
| Equity capital to assets | 7.9674% | 5,192 |
| Core capital (leverage) ratio | 8.9700% | 4,674 |
| Tier 1 risk-based capital ratio | 20.6454% | 1,222 |
| Total risk-based capital ratio | 21.2589% | 1,314 |
| Memoranda: | ||
| Average total assets | $111,398,000 | 3,913 |
| Average earning assets | $106,399,500 | 3,873 |
| Average equity | $8,613,500 | 4,521 |
| Average total loans | $53,544,500 | 4,227 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 3,979 |
| Cost of funding earning assets | 1.2727% | 247 |
| Net interest margin | 2.7430% | 5,066 |
| Noninterest income to average assets | 0.2627% | 4,359 |
| Noninterest expense to average assets | 2.0403% | 4,680 |
| Loan and lease loss provision to assets | 0.0509% | 3,169 |
| Net operating income to assets | 0.7961% | 3,818 |
| Return on assets (ROA) | 0.7961% | 3,823 |
| Pretax return on assets | 0.7961% | 4,179 |
| Return on Equity (ROE) | 10.5876% | 2,252 |
| Retained earnings to average equity (ytd only) | 0.6164% | 4,824 |
| Net charge-offs to loans | 0.3824% | 492 |
| Credit loss provision to net charge-offs | 26.7943% | 3,368 |
| Earnings coverage of net charge-offs (x) | 4.4593% | 3,296 |
| Efficiency ratio | 70.6641% | 2,082 |
| Assets per employee ($millions) | 5.4579% | 1,999 |
| Cash dividends to net income (ytd only)* | 94.1781% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5533% | 5,056 |
| Loan loss allowance to noncurrent loans | 67.1233% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,858 |
| Noncurrent loans to loans | 0.8243% | 1,953 |
| Net loans and leases to total assets | 48.4106% | 4,610 |
| Net loans and leases to deposits | 52.4116% | 4,812 |
| Net loans and leases to core deposits | 82.6010% | 3,212 |
| Total domestic deposits to total assets | 92.3661% | 54 |
| Equity capital to assets | 7.4873% | 5,283 |
| Core capital (leverage) ratio | 9.1280% | 4,534 |
| Tier 1 risk-based capital ratio | 21.6655% | 1,074 |
| Total risk-based capital ratio | 22.3130% | 1,133 |
| Memoranda: | ||
| Average total assets | $110,031,400 | 3,944 |
| Average earning assets | $105,287,400 | 3,892 |
| Average equity | $8,273,800 | 4,561 |
| Average total loans | $54,658,800 | 4,216 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 3,979 |
| Cost of funding earning assets | 1.2536% | 190 |
| Net interest margin | 2.7282% | 5,144 |
| Noninterest income to average assets | 0.2455% | 4,507 |
| Noninterest expense to average assets | 2.0353% | 4,673 |
| Loan and lease loss provision to assets | 0.0290% | 3,434 |
| Net operating income to assets | 0.7945% | 3,923 |
| Return on assets (ROA) | 0.7945% | 3,932 |
| Pretax return on assets | 0.7945% | 4,308 |
| Return on Equity (ROE) | 10.5552% | 2,373 |
| Retained earnings to average equity (ytd only) | 0.5944% | 4,932 |
| Net charge-offs to loans | 0.4167% | 385 |
| Credit loss provision to net charge-offs | 13.9535% | 3,044 |
| Earnings coverage of net charge-offs (x) | 3.9593% | 3,114 |
| Efficiency ratio | 71.1929% | 2,007 |
| Assets per employee ($millions) | 5.2119% | 2,212 |
| Cash dividends to net income (ytd only)* | 94.3686% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 5,031 |
| Loan loss allowance to noncurrent loans | 58.8652% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 2,570 |
| Noncurrent loans to loans | 1.0331% | 1,658 |
| Net loans and leases to total assets | 49.5765% | 4,627 |
| Net loans and leases to deposits | 55.0935% | 4,788 |
| Net loans and leases to core deposits | 84.4832% | 3,120 |
| Total domestic deposits to total assets | 89.9862% | 512 |
| Equity capital to assets | 7.0398% | 5,385 |
| Core capital (leverage) ratio | 8.8225% | 4,870 |
| Tier 1 risk-based capital ratio | 20.3476% | 1,275 |
| Total risk-based capital ratio | 21.0354% | 1,348 |
| Memoranda: | ||
| Average total assets | $110,249,750 | 3,983 |
| Average earning assets | $105,610,500 | 3,922 |
| Average equity | $8,299,000 | 4,604 |
| Average total loans | $55,039,000 | 4,251 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 4,067 |
| Cost of funding earning assets | 1.1872% | 190 |
| Net interest margin | 2.7180% | 5,203 |
| Noninterest income to average assets | 0.2534% | 4,496 |
| Noninterest expense to average assets | 2.0504% | 4,704 |
| Loan and lease loss provision to assets | 0.0434% | 3,026 |
| Net operating income to assets | 0.7655% | 3,972 |
| Return on assets (ROA) | 0.7655% | 3,979 |
| Pretax return on assets | 0.7655% | 4,346 |
| Return on Equity (ROE) | 9.9565% | 2,579 |
| Retained earnings to average equity (ytd only) | 5.7197% | 2,712 |
| Net charge-offs to loans | 0.6016% | 250 |
| Credit loss provision to net charge-offs | 14.4578% | 2,715 |
| Earnings coverage of net charge-offs (x) | 2.6928% | 2,953 |
| Efficiency ratio | 71.7089% | 2,051 |
| Assets per employee ($millions) | 5.3580% | 2,034 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 5,135 |
| Loan loss allowance to noncurrent loans | 53.0378% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 2,538 |
| Noncurrent loans to loans | 1.0962% | 1,609 |
| Net loans and leases to total assets | 49.0873% | 4,654 |
| Net loans and leases to deposits | 57.7565% | 4,655 |
| Net loans and leases to core deposits | 86.5800% | 2,866 |
| Total domestic deposits to total assets | 84.9900% | 2,677 |
| Equity capital to assets | 7.3206% | 5,417 |
| Core capital (leverage) ratio | 8.9787% | 4,710 |
| Tier 1 risk-based capital ratio | 21.1734% | 1,144 |
| Total risk-based capital ratio | 21.8553% | 1,201 |
| Memoranda: | ||
| Average total assets | $110,516,670 | 4,007 |
| Average earning assets | $105,961,670 | 3,946 |
| Average equity | $8,497,000 | 4,613 |
| Average total loans | $55,187,670 | 4,279 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 4,107 |
| Cost of funding earning assets | 1.1432% | 183 |
| Net interest margin | 2.6979% | 5,255 |
| Noninterest income to average assets | 0.2812% | 4,292 |
| Noninterest expense to average assets | 2.1038% | 4,653 |
| Loan and lease loss provision to assets | 0.0877% | 2,048 |
| Net operating income to assets | 0.6757% | 4,186 |
| Return on assets (ROA) | 0.6757% | 4,190 |
| Pretax return on assets | 0.6757% | 4,504 |
| Return on Equity (ROE) | 8.5777% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.5777% | 1,623 |
| Net charge-offs to loans | -0.0073% | 4,132 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3758% | 1,986 |
| Assets per employee ($millions) | 5.2619% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 4,332 |
| Loan loss allowance to noncurrent loans | 49.8474% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 1,681 |
| Noncurrent loans to loans | 1.8567% | 888 |
| Net loans and leases to total assets | 47.4697% | 4,723 |
| Net loans and leases to deposits | 53.3004% | 4,830 |
| Net loans and leases to core deposits | 82.1789% | 3,126 |
| Total domestic deposits to total assets | 89.0606% | 1,067 |
| Equity capital to assets | 7.5367% | 5,405 |
| Core capital (leverage) ratio | 8.9827% | 4,692 |
| Tier 1 risk-based capital ratio | 21.3271% | 1,153 |
| Total risk-based capital ratio | 22.3753% | 1,158 |
| Memoranda: | ||
| Average total assets | $109,516,000 | 4,077 |
| Average earning assets | $104,969,500 | 4,012 |
| Average equity | $8,627,000 | 4,635 |
| Average total loans | $55,004,000 | 4,327 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 3,989 |
| Cost of funding earning assets | 1.0393% | 178 |
| Net interest margin | 2.7785% | 5,197 |
| Noninterest income to average assets | 0.2466% | 4,655 |
| Noninterest expense to average assets | 2.1405% | 4,675 |
| Loan and lease loss provision to assets | 0.0193% | 3,914 |
| Net operating income to assets | 0.7399% | 3,425 |
| Return on assets (ROA) | 0.7467% | 3,443 |
| Pretax return on assets | 0.7467% | 4,396 |
| Return on Equity (ROE) | 8.3664% | 2,622 |
| Retained earnings to average equity (ytd only) | 0.5635% | 4,815 |
| Net charge-offs to loans | 0.0131% | 3,627 |
| Credit loss provision to net charge-offs | 285.7143% | 978 |
| Earnings coverage of net charge-offs (x) | 112.1429% | 598 |
| Efficiency ratio | 73.8159% | 1,921 |
| Assets per employee ($millions) | 5.1682% | 2,288 |
| Cash dividends to net income (ytd only)* | 93.2642% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,870 |
| Loan loss allowance to noncurrent loans | 42.7481% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 1,514 |
| Noncurrent loans to loans | 1.8365% | 865 |
| Net loans and leases to total assets | 52.1653% | 4,510 |
| Net loans and leases to deposits | 56.9325% | 4,749 |
| Net loans and leases to core deposits | 84.3002% | 3,035 |
| Total domestic deposits to total assets | 91.6264% | 123 |
| Equity capital to assets | 8.2243% | 5,290 |
| Core capital (leverage) ratio | 9.1150% | 4,505 |
| Tier 1 risk-based capital ratio | 19.8608% | 1,349 |
| Total risk-based capital ratio | 20.7700% | 1,383 |
| Memoranda: | ||
| Average total assets | $103,389,000 | 4,179 |
| Average earning assets | $98,723,800 | 4,121 |
| Average equity | $9,227,400 | 4,576 |
| Average total loans | $53,468,000 | 4,380 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7949% | 4,027 |
| Cost of funding earning assets | 1.0082% | 187 |
| Net interest margin | 2.7867% | 5,241 |
| Noninterest income to average assets | 0.2364% | 4,794 |
| Noninterest expense to average assets | 2.1794% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7169% | 3,889 |
| Return on assets (ROA) | 0.7208% | 3,928 |
| Pretax return on assets | 0.7208% | 4,557 |
| Return on Equity (ROE) | 7.9114% | 3,168 |
| Retained earnings to average equity (ytd only) | -0.1147% | 5,221 |
| Net charge-offs to loans | 0.0025% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 550.3609% | 184 |
| Efficiency ratio | 75.2480% | 1,701 |
| Assets per employee ($millions) | 5.9147% | 1,558 |
| Cash dividends to net income (ytd only)* | 101.4498% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 5,027 |
| Loan loss allowance to noncurrent loans | 30.0790% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.5714% | 951 |
| Noncurrent loans to loans | 2.4842% | 622 |
| Net loans and leases to total assets | 52.2759% | 4,548 |
| Net loans and leases to deposits | 57.4308% | 4,794 |
| Net loans and leases to core deposits | 85.6270% | 3,000 |
| Total domestic deposits to total assets | 91.0242% | 179 |
| Equity capital to assets | 8.7616% | 5,109 |
| Core capital (leverage) ratio | 9.4336% | 4,248 |
| Tier 1 risk-based capital ratio | 19.2259% | 1,534 |
| Total risk-based capital ratio | 20.0561% | 1,597 |
| Memoranda: | ||
| Average total assets | $102,103,250 | 4,242 |
| Average earning assets | $97,461,000 | 4,179 |
| Average equity | $9,302,750 | 4,608 |
| Average total loans | $52,569,000 | 4,432 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 3,779 |
| Cost of funding earning assets | 0.9850% | 188 |
| Net interest margin | 2.8489% | 5,171 |
| Noninterest income to average assets | 0.2325% | 4,841 |
| Noninterest expense to average assets | 2.1699% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7809% | 3,483 |
| Return on assets (ROA) | 0.7909% | 3,494 |
| Pretax return on assets | 0.7909% | 4,302 |
| Return on Equity (ROE) | 8.5644% | 2,745 |
| Retained earnings to average equity (ytd only) | 0.0646% | 5,056 |
| Net charge-offs to loans | 0.0039% | 3,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 393.0000% | 214 |
| Efficiency ratio | 73.5354% | 2,089 |
| Assets per employee ($millions) | 5.6141% | 1,777 |
| Cash dividends to net income (ytd only)* | 99.2462% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 4,921 |
| Loan loss allowance to noncurrent loans | 31.7941% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5843% | 941 |
| Noncurrent loans to loans | 2.5518% | 575 |
| Net loans and leases to total assets | 50.8124% | 4,655 |
| Net loans and leases to deposits | 56.0996% | 4,854 |
| Net loans and leases to core deposits | 82.6501% | 3,200 |
| Total domestic deposits to total assets | 90.5753% | 331 |
| Equity capital to assets | 9.2881% | 4,636 |
| Core capital (leverage) ratio | 9.3855% | 4,248 |
| Tier 1 risk-based capital ratio | 20.0945% | 1,356 |
| Total risk-based capital ratio | 20.9613% | 1,395 |
| Memoranda: | ||
| Average total assets | $100,649,670 | 4,296 |
| Average earning assets | $96,037,000 | 4,234 |
| Average equity | $9,294,330 | 4,624 |
| Average total loans | $51,400,670 | 4,479 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7991% | 3,765 |
| Cost of funding earning assets | 0.9143% | 255 |
| Net interest margin | 2.8848% | 5,116 |
| Noninterest income to average assets | 0.2509% | 4,739 |
| Noninterest expense to average assets | 2.1623% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8402% | 3,041 |
| Return on assets (ROA) | 0.8402% | 3,088 |
| Pretax return on assets | 0.8402% | 3,973 |
| Return on Equity (ROE) | 9.1258% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.1258% | 1,037 |
| Net charge-offs to loans | 0.0078% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 267 |
| Efficiency ratio | 72.0159% | 2,570 |
| Assets per employee ($millions) | 5.7475% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 5,059 |
| Loan loss allowance to noncurrent loans | 33.1487% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 1,077 |
| Noncurrent loans to loans | 2.4208% | 661 |
| Net loans and leases to total assets | 50.0662% | 4,665 |
| Net loans and leases to deposits | 55.1426% | 4,869 |
| Net loans and leases to core deposits | 81.4800% | 3,142 |
| Total domestic deposits to total assets | 90.7941% | 362 |
| Equity capital to assets | 9.0832% | 4,729 |
| Core capital (leverage) ratio | 9.9032% | 3,620 |
| Tier 1 risk-based capital ratio | 20.3013% | 1,330 |
| Total risk-based capital ratio | 21.1566% | 1,381 |
| Memoranda: | ||
| Average total assets | $100,447,500 | 4,341 |
| Average earning assets | $95,812,000 | 4,278 |
| Average equity | $9,248,500 | 4,666 |
| Average total loans | $51,217,000 | 4,522 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,070 |
| Cost of funding earning assets | 0.9259% | 256 |
| Net interest margin | 3.1119% | 4,702 |
| Noninterest income to average assets | 0.2561% | 4,886 |
| Noninterest expense to average assets | 2.2495% | 4,653 |
| Loan and lease loss provision to assets | 0.1118% | 2,195 |
| Net operating income to assets | 0.8562% | 3,043 |
| Return on assets (ROA) | 0.8486% | 3,186 |
| Pretax return on assets | 0.8486% | 4,017 |
| Return on Equity (ROE) | 9.0892% | 2,374 |
| Retained earnings to average equity (ytd only) | 1.3018% | 4,761 |
| Net charge-offs to loans | -0.0059% | 4,835 |
| Credit loss provision to net charge-offs | -3,433.3333% | 5,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9157% | 2,916 |
| Assets per employee ($millions) | 5.4133% | 1,943 |
| Cash dividends to net income (ytd only)* | 85.6777% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,999 |
| Loan loss allowance to noncurrent loans | 32.5077% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6133% | 984 |
| Noncurrent loans to loans | 2.5727% | 600 |
| Net loans and leases to total assets | 51.1073% | 4,678 |
| Net loans and leases to deposits | 56.4743% | 4,887 |
| Net loans and leases to core deposits | 81.2939% | 3,284 |
| Total domestic deposits to total assets | 90.4967% | 451 |
| Equity capital to assets | 9.3391% | 4,433 |
| Core capital (leverage) ratio | 10.2656% | 3,149 |
| Tier 1 risk-based capital ratio | 19.8564% | 1,406 |
| Total risk-based capital ratio | 20.7131% | 1,447 |
| Memoranda: | ||
| Average total assets | $92,152,600 | 4,510 |
| Average earning assets | $87,696,400 | 4,444 |
| Average equity | $8,603,600 | 4,823 |
| Average total loans | $51,269,400 | 4,542 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 2,848 |
| Cost of funding earning assets | 0.9361% | 240 |
| Net interest margin | 3.1707% | 4,575 |
| Noninterest income to average assets | 0.2701% | 4,842 |
| Noninterest expense to average assets | 2.2576% | 4,632 |
| Loan and lease loss provision to assets | 0.0352% | 3,536 |
| Net operating income to assets | 0.9952% | 2,452 |
| Return on assets (ROA) | 0.9820% | 2,645 |
| Pretax return on assets | 0.9820% | 3,699 |
| Return on Equity (ROE) | 10.5193% | 1,859 |
| Retained earnings to average equity (ytd only) | 3.4435% | 3,834 |
| Net charge-offs to loans | -0.0103% | 4,779 |
| Credit loss provision to net charge-offs | -600.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6607% | 3,105 |
| Assets per employee ($millions) | 5.1201% | 2,233 |
| Cash dividends to net income (ytd only)* | 67.2650% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6589% | 5,510 |
| Loan loss allowance to noncurrent loans | 27.5584% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.6504% | 1,049 |
| Noncurrent loans to loans | 2.3910% | 757 |
| Net loans and leases to total assets | 55.9477% | 4,312 |
| Net loans and leases to deposits | 62.9181% | 4,564 |
| Net loans and leases to core deposits | 93.1041% | 2,268 |
| Total domestic deposits to total assets | 88.9216% | 945 |
| Equity capital to assets | 10.8755% | 3,164 |
| Core capital (leverage) ratio | 10.8384% | 2,639 |
| Tier 1 risk-based capital ratio | 19.6662% | 1,510 |
| Total risk-based capital ratio | 20.3498% | 1,605 |
| Memoranda: | ||
| Average total assets | $90,830,750 | 4,564 |
| Average earning assets | $86,456,000 | 4,501 |
| Average equity | $8,479,500 | 4,896 |
| Average total loans | $51,532,000 | 4,570 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 2,697 |
| Cost of funding earning assets | 0.9646% | 204 |
| Net interest margin | 3.1795% | 4,609 |
| Noninterest income to average assets | 0.2655% | 4,888 |
| Noninterest expense to average assets | 2.2747% | 4,675 |
| Loan and lease loss provision to assets | 0.0266% | 3,599 |
| Net operating income to assets | 0.9913% | 2,428 |
| Return on assets (ROA) | 0.9736% | 2,649 |
| Pretax return on assets | 0.9736% | 3,686 |
| Return on Equity (ROE) | 11.0483% | 1,620 |
| Retained earnings to average equity (ytd only) | 5.2731% | 2,566 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0860% | 3,134 |
| Assets per employee ($millions) | 5.1093% | 2,185 |
| Cash dividends to net income (ytd only)* | 52.2727% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 5,646 |
| Loan loss allowance to noncurrent loans | 25.6511% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4353% | 1,355 |
| Noncurrent loans to loans | 2.4394% | 730 |
| Net loans and leases to total assets | 56.1217% | 4,296 |
| Net loans and leases to deposits | 65.2186% | 4,399 |
| Net loans and leases to core deposits | 93.1291% | 2,247 |
| Total domestic deposits to total assets | 86.0517% | 2,399 |
| Equity capital to assets | 10.8288% | 3,257 |
| Core capital (leverage) ratio | 10.6875% | 2,750 |
| Tier 1 risk-based capital ratio | 19.8254% | 1,494 |
| Total risk-based capital ratio | 20.4807% | 1,606 |
| Memoranda: | ||
| Average total assets | $90,387,330 | 4,612 |
| Average earning assets | $86,050,330 | 4,541 |
| Average equity | $7,965,000 | 5,030 |
| Average total loans | $51,408,000 | 4,604 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 2,732 |
| Cost of funding earning assets | 1.0017% | 169 |
| Net interest margin | 3.1267% | 4,790 |
| Noninterest income to average assets | 0.2947% | 4,615 |
| Noninterest expense to average assets | 2.2992% | 4,668 |
| Loan and lease loss provision to assets | 0.0268% | 3,313 |
| Net operating income to assets | 0.9509% | 2,507 |
| Return on assets (ROA) | 0.8929% | 2,919 |
| Pretax return on assets | 0.8929% | 3,869 |
| Return on Equity (ROE) | 11.4811% | 1,462 |
| Retained earnings to average equity (ytd only) | 5.7405% | 2,501 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1635% | 3,090 |
| Assets per employee ($millions) | 5.0470% | 2,293 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6316% | 5,701 |
| Loan loss allowance to noncurrent loans | 22.7273% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 1.6082% | 1,235 |
| Noncurrent loans to loans | 2.7790% | 628 |
| Net loans and leases to total assets | 55.4180% | 4,313 |
| Net loans and leases to deposits | 60.3281% | 4,695 |
| Net loans and leases to core deposits | 86.9216% | 2,664 |
| Total domestic deposits to total assets | 91.8610% | 121 |
| Equity capital to assets | 7.9420% | 5,842 |
| Core capital (leverage) ratio | 7.8945% | 5,814 |
| Tier 1 risk-based capital ratio | 15.3275% | 3,005 |
| Total risk-based capital ratio | 16.0066% | 3,201 |
| Memoranda: | ||
| Average total assets | $89,597,000 | 4,667 |
| Average earning assets | $85,457,500 | 4,587 |
| Average equity | $6,968,000 | 5,240 |
| Average total loans | $51,142,500 | 4,641 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 2,912 |
| Cost of funding earning assets | 0.9107% | 274 |
| Net interest margin | 3.1916% | 4,656 |
| Noninterest income to average assets | 0.2636% | 4,997 |
| Noninterest expense to average assets | 2.3632% | 4,606 |
| Loan and lease loss provision to assets | 0.0275% | 3,831 |
| Net operating income to assets | 0.8813% | 2,975 |
| Return on assets (ROA) | 0.8515% | 3,179 |
| Pretax return on assets | 0.8515% | 4,015 |
| Return on Equity (ROE) | 11.3200% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.4543% | 2,103 |
| Net charge-offs to loans | -0.0142% | 5,190 |
| Credit loss provision to net charge-offs | -342.8571% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2242% | 2,868 |
| Assets per employee ($millions) | 4.9082% | 2,461 |
| Cash dividends to net income (ytd only)* | 51.8170% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 5,786 |
| Loan loss allowance to noncurrent loans | 36.5967% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 2,129 |
| Noncurrent loans to loans | 1.6621% | 1,370 |
| Net loans and leases to total assets | 58.0726% | 4,081 |
| Net loans and leases to deposits | 63.4481% | 4,511 |
| Net loans and leases to core deposits | 88.7708% | 2,524 |
| Total domestic deposits to total assets | 91.5278% | 173 |
| Equity capital to assets | 7.6074% | 5,967 |
| Core capital (leverage) ratio | 8.0647% | 5,794 |
| Tier 1 risk-based capital ratio | 15.0526% | 3,157 |
| Total risk-based capital ratio | 15.7163% | 3,370 |
| Memoranda: | ||
| Average total assets | $87,255,200 | 4,726 |
| Average earning assets | $82,248,400 | 4,670 |
| Average equity | $6,563,600 | 5,336 |
| Average total loans | $49,305,600 | 4,691 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0781% | 3,035 |
| Cost of funding earning assets | 0.8984% | 295 |
| Net interest margin | 3.1796% | 4,739 |
| Noninterest income to average assets | 0.2698% | 5,003 |
| Noninterest expense to average assets | 2.3636% | 4,611 |
| Loan and lease loss provision to assets | 0.0276% | 3,700 |
| Net operating income to assets | 0.8676% | 3,096 |
| Return on assets (ROA) | 0.8354% | 3,331 |
| Pretax return on assets | 0.8354% | 4,219 |
| Return on Equity (ROE) | 11.1377% | 1,650 |
| Retained earnings to average equity (ytd only) | 5.3134% | 2,710 |
| Net charge-offs to loans | -0.0191% | 5,192 |
| Credit loss provision to net charge-offs | -257.1429% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5306% | 2,786 |
| Assets per employee ($millions) | 5.2206% | 2,037 |
| Cash dividends to net income (ytd only)* | 52.2934% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6240% | 5,858 |
| Loan loss allowance to noncurrent loans | 36.9748% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 2,364 |
| Noncurrent loans to loans | 1.6877% | 1,441 |
| Net loans and leases to total assets | 55.2654% | 4,431 |
| Net loans and leases to deposits | 60.2970% | 4,835 |
| Net loans and leases to core deposits | 85.9255% | 2,859 |
| Total domestic deposits to total assets | 91.6552% | 131 |
| Equity capital to assets | 7.6293% | 6,051 |
| Core capital (leverage) ratio | 7.8753% | 5,954 |
| Tier 1 risk-based capital ratio | 15.4736% | 3,064 |
| Total risk-based capital ratio | 16.1522% | 3,293 |
| Memoranda: | ||
| Average total assets | $86,982,000 | 4,788 |
| Average earning assets | $81,768,750 | 4,739 |
| Average equity | $6,524,250 | 5,409 |
| Average total loans | $48,727,000 | 4,762 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,148 |
| Cost of funding earning assets | 0.9000% | 290 |
| Net interest margin | 3.1327% | 4,873 |
| Noninterest income to average assets | 0.2523% | 5,145 |
| Noninterest expense to average assets | 2.3845% | 4,600 |
| Loan and lease loss provision to assets | 0.0278% | 3,575 |
| Net operating income to assets | 0.7732% | 3,519 |
| Return on assets (ROA) | 0.7246% | 3,889 |
| Pretax return on assets | 0.7246% | 4,581 |
| Return on Equity (ROE) | 9.7175% | 2,200 |
| Retained earnings to average equity (ytd only) | 7.5442% | 1,451 |
| Net charge-offs to loans | -0.0289% | 5,317 |
| Credit loss provision to net charge-offs | -171.4286% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8547% | 2,557 |
| Assets per employee ($millions) | 5.1934% | 2,041 |
| Cash dividends to net income (ytd only)* | 22.3642% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 5,946 |
| Loan loss allowance to noncurrent loans | 36.1345% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 2,279 |
| Noncurrent loans to loans | 1.7090% | 1,514 |
| Net loans and leases to total assets | 54.8670% | 4,469 |
| Net loans and leases to deposits | 59.2935% | 4,911 |
| Net loans and leases to core deposits | 81.3847% | 3,244 |
| Total domestic deposits to total assets | 92.5347% | 80 |
| Equity capital to assets | 7.2864% | 6,147 |
| Core capital (leverage) ratio | 7.8787% | 5,985 |
| Tier 1 risk-based capital ratio | 16.3922% | 2,665 |
| Total risk-based capital ratio | 17.0963% | 2,890 |
| Memoranda: | ||
| Average total assets | $86,392,670 | 4,849 |
| Average earning assets | $80,889,330 | 4,804 |
| Average equity | $6,442,000 | 5,462 |
| Average total loans | $48,517,330 | 4,806 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 2,936 |
| Cost of funding earning assets | 0.9060% | 277 |
| Net interest margin | 3.1685% | 4,720 |
| Noninterest income to average assets | 0.2481% | 5,181 |
| Noninterest expense to average assets | 2.4530% | 4,431 |
| Loan and lease loss provision to assets | 0.0281% | 3,319 |
| Net operating income to assets | 0.6975% | 3,814 |
| Return on assets (ROA) | 0.6133% | 4,316 |
| Pretax return on assets | 0.6133% | 4,882 |
| Return on Equity (ROE) | 8.1284% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.1284% | 1,523 |
| Net charge-offs to loans | -0.0413% | 5,426 |
| Credit loss provision to net charge-offs | -120.0000% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1723% | 2,317 |
| Assets per employee ($millions) | 5.0974% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 6,001 |
| Loan loss allowance to noncurrent loans | 34.7518% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1494% | 2,338 |
| Noncurrent loans to loans | 1.8406% | 1,461 |
| Net loans and leases to total assets | 52.7032% | 4,587 |
| Net loans and leases to deposits | 57.1776% | 4,972 |
| Net loans and leases to core deposits | 78.5734% | 3,323 |
| Total domestic deposits to total assets | 92.1747% | 133 |
| Equity capital to assets | 7.6603% | 6,136 |
| Core capital (leverage) ratio | 8.0129% | 5,937 |
| Tier 1 risk-based capital ratio | 17.1556% | 2,424 |
| Total risk-based capital ratio | 17.8871% | 2,575 |
| Memoranda: | ||
| Average total assets | $85,445,000 | 4,910 |
| Average earning assets | $79,027,500 | 4,888 |
| Average equity | $6,446,500 | 5,507 |
| Average total loans | $48,405,000 | 4,833 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 2,342 |
| Cost of funding earning assets | 1.0049% | 226 |
| Net interest margin | 3.3603% | 4,372 |
| Noninterest income to average assets | 0.5912% | 2,908 |
| Noninterest expense to average assets | 2.5400% | 4,422 |
| Loan and lease loss provision to assets | 0.1824% | 1,410 |
| Net operating income to assets | 0.9756% | 2,502 |
| Return on assets (ROA) | 0.9585% | 2,667 |
| Pretax return on assets | 0.9585% | 3,653 |
| Return on Equity (ROE) | 14.6366% | 835 |
| Retained earnings to average equity (ytd only) | 6.8790% | 1,459 |
| Net charge-offs to loans | 0.5390% | 751 |
| Credit loss provision to net charge-offs | 54.1818% | 3,399 |
| Earnings coverage of net charge-offs (x) | 3.4400% | 3,891 |
| Efficiency ratio | 68.6859% | 3,770 |
| Assets per employee ($millions) | 4.9550% | 2,380 |
| Cash dividends to net income (ytd only)* | 53.0013% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5566% | 6,198 |
| Loan loss allowance to noncurrent loans | 45.5717% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 2,925 |
| Noncurrent loans to loans | 1.2213% | 2,405 |
| Net loans and leases to total assets | 60.0261% | 3,791 |
| Net loans and leases to deposits | 64.9601% | 4,432 |
| Net loans and leases to core deposits | 87.1716% | 2,596 |
| Total domestic deposits to total assets | 92.4046% | 107 |
| Equity capital to assets | 7.4257% | 6,252 |
| Core capital (leverage) ratio | 8.2952% | 5,785 |
| Tier 1 risk-based capital ratio | 16.2323% | 2,845 |
| Total risk-based capital ratio | 16.9114% | 3,077 |
| Memoranda: | ||
| Average total assets | $81,693,400 | 5,025 |
| Average earning assets | $75,529,400 | 5,003 |
| Average equity | $5,349,600 | 5,779 |
| Average total loans | $51,018,200 | 4,785 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,129 |
| Cost of funding earning assets | 1.0108% | 236 |
| Net interest margin | 3.4173% | 4,160 |
| Noninterest income to average assets | 0.3372% | 4,742 |
| Noninterest expense to average assets | 2.5117% | 4,490 |
| Loan and lease loss provision to assets | 0.2352% | 936 |
| Net operating income to assets | 0.7435% | 3,704 |
| Return on assets (ROA) | 0.7435% | 3,806 |
| Pretax return on assets | 0.7435% | 4,545 |
| Return on Equity (ROE) | 11.7630% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.1678% | 2,294 |
| Net charge-offs to loans | 0.7207% | 479 |
| Credit loss provision to net charge-offs | 51.8116% | 3,075 |
| Earnings coverage of net charge-offs (x) | 2.1558% | 3,980 |
| Efficiency ratio | 71.9604% | 3,184 |
| Assets per employee ($millions) | 4.7515% | 2,591 |
| Cash dividends to net income (ytd only)* | 47.5666% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5699% | 6,262 |
| Loan loss allowance to noncurrent loans | 39.5415% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 2.0563% | 1,384 |
| Noncurrent loans to loans | 1.4413% | 2,263 |
| Net loans and leases to total assets | 59.6113% | 3,863 |
| Net loans and leases to deposits | 64.1902% | 4,514 |
| Net loans and leases to core deposits | 90.0069% | 2,225 |
| Total domestic deposits to total assets | 92.8666% | 88 |
| Equity capital to assets | 6.9440% | 6,391 |
| Core capital (leverage) ratio | 8.1318% | 5,985 |
| Tier 1 risk-based capital ratio | 16.6675% | 2,739 |
| Total risk-based capital ratio | 17.3610% | 2,956 |
| Memoranda: | ||
| Average total assets | $81,058,000 | 5,091 |
| Average earning assets | $74,793,250 | 5,077 |
| Average equity | $5,123,250 | 5,890 |
| Average total loans | $51,061,250 | 4,827 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,185 |
| Cost of funding earning assets | 0.9974% | 257 |
| Net interest margin | 3.4002% | 4,171 |
| Noninterest income to average assets | 0.3426% | 4,682 |
| Noninterest expense to average assets | 2.4694% | 4,671 |
| Loan and lease loss provision to assets | 0.0296% | 3,678 |
| Net operating income to assets | 0.9858% | 2,379 |
| Return on assets (ROA) | 0.9858% | 2,458 |
| Pretax return on assets | 0.9858% | 3,531 |
| Return on Equity (ROE) | 16.1247% | 648 |
| Retained earnings to average equity (ytd only) | 11.8920% | 433 |
| Net charge-offs to loans | 0.1348% | 2,325 |
| Credit loss provision to net charge-offs | 34.2857% | 2,997 |
| Earnings coverage of net charge-offs (x) | 11.7714% | 2,122 |
| Efficiency ratio | 70.8628% | 3,518 |
| Assets per employee ($millions) | 4.8099% | 2,460 |
| Cash dividends to net income (ytd only)* | 26.2500% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 6,120 |
| Loan loss allowance to noncurrent loans | 32.5342% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 2.3909% | 1,211 |
| Noncurrent loans to loans | 2.2580% | 1,447 |
| Net loans and leases to total assets | 62.7972% | 3,275 |
| Net loans and leases to deposits | 70.1035% | 3,814 |
| Net loans and leases to core deposits | 93.3838% | 1,829 |
| Total domestic deposits to total assets | 89.5778% | 1,032 |
| Equity capital to assets | 6.8327% | 6,465 |
| Core capital (leverage) ratio | 8.2369% | 5,900 |
| Tier 1 risk-based capital ratio | 16.6725% | 2,755 |
| Total risk-based capital ratio | 17.6194% | 2,849 |
| Memoranda: | ||
| Average total assets | $81,152,330 | 5,136 |
| Average earning assets | $74,995,330 | 5,107 |
| Average equity | $4,961,330 | 5,963 |
| Average total loans | $51,939,330 | 4,831 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,169 |
| Cost of funding earning assets | 1.0318% | 241 |
| Net interest margin | 3.3588% | 4,299 |
| Noninterest income to average assets | 0.3364% | 4,685 |
| Noninterest expense to average assets | 2.5085% | 4,596 |
| Loan and lease loss provision to assets | 0.0297% | 3,432 |
| Net operating income to assets | 0.8906% | 2,697 |
| Return on assets (ROA) | 0.8906% | 2,763 |
| Pretax return on assets | 0.8906% | 3,734 |
| Return on Equity (ROE) | 15.4889% | 706 |
| Retained earnings to average equity (ytd only) | 15.4889% | 299 |
| Net charge-offs to loans | 0.1768% | 1,663 |
| Credit loss provision to net charge-offs | 26.0870% | 2,437 |
| Earnings coverage of net charge-offs (x) | 8.0870% | 2,059 |
| Efficiency ratio | 73.1602% | 3,282 |
| Assets per employee ($millions) | 4.7731% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 6,185 |
| Loan loss allowance to noncurrent loans | 77.2000% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.2577% | 1,460 |
| Noncurrent loans to loans | 0.9772% | 3,471 |
| Net loans and leases to total assets | 62.5809% | 3,145 |
| Net loans and leases to deposits | 67.5544% | 3,906 |
| Net loans and leases to core deposits | 92.7285% | 1,664 |
| Total domestic deposits to total assets | 92.6377% | 155 |
| Equity capital to assets | 6.1176% | 6,560 |
| Core capital (leverage) ratio | 8.1748% | 5,972 |
| Tier 1 risk-based capital ratio | 16.3978% | 2,949 |
| Total risk-based capital ratio | 17.3603% | 3,075 |
| Memoranda: | ||
| Average total assets | $80,844,500 | 5,193 |
| Average earning assets | $74,431,000 | 5,165 |
| Average equity | $4,648,500 | 6,083 |
| Average total loans | $52,045,000 | 4,865 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 2,030 |
| Cost of funding earning assets | 1.0526% | 352 |
| Net interest margin | 3.4991% | 3,915 |
| Noninterest income to average assets | 0.2617% | 5,474 |
| Noninterest expense to average assets | 2.2893% | 5,413 |
| Loan and lease loss provision to assets | 0.0276% | 4,572 |
| Net operating income to assets | 1.1797% | 1,647 |
| Return on assets (ROA) | 1.1797% | 1,704 |
| Pretax return on assets | 1.1797% | 2,657 |
| Return on Equity (ROE) | 17.7622% | 431 |
| Retained earnings to average equity (ytd only) | 6.9578% | 1,449 |
| Net charge-offs to loans | 0.0762% | 4,144 |
| Credit loss provision to net charge-offs | 55.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | 24.1000% | 1,380 |
| Efficiency ratio | 65.4728% | 4,659 |
| Assets per employee ($millions) | 4.7380% | 2,525 |
| Cash dividends to net income (ytd only)* | 60.8280% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 6,249 |
| Loan loss allowance to noncurrent loans | 90.7658% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.0845% | 1,716 |
| Noncurrent loans to loans | 0.8389% | 3,882 |
| Net loans and leases to total assets | 65.2062% | 2,821 |
| Net loans and leases to deposits | 70.0140% | 3,781 |
| Net loans and leases to core deposits | 95.1209% | 1,520 |
| Total domestic deposits to total assets | 93.1331% | 126 |
| Equity capital to assets | 5.3795% | 6,666 |
| Core capital (leverage) ratio | 8.0853% | 6,070 |
| Tier 1 risk-based capital ratio | 15.5507% | 3,342 |
| Total risk-based capital ratio | 16.5305% | 3,445 |
| Memoranda: | ||
| Average total assets | $79,848,400 | 5,240 |
| Average earning assets | $73,819,800 | 5,197 |
| Average equity | $5,303,400 | 5,985 |
| Average total loans | $52,485,600 | 4,868 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 2,404 |
| Cost of funding earning assets | 1.0454% | 397 |
| Net interest margin | 3.4072% | 4,256 |
| Noninterest income to average assets | 0.2611% | 5,580 |
| Noninterest expense to average assets | 2.1838% | 5,637 |
| Loan and lease loss provision to assets | 0.0268% | 4,475 |
| Net operating income to assets | 1.2082% | 1,603 |
| Return on assets (ROA) | 1.2082% | 1,681 |
| Pretax return on assets | 1.2082% | 2,662 |
| Return on Equity (ROE) | 17.3574% | 506 |
| Retained earnings to average equity (ytd only) | 9.0393% | 1,043 |
| Net charge-offs to loans | 0.0840% | 3,748 |
| Credit loss provision to net charge-offs | 48.4848% | 3,545 |
| Earnings coverage of net charge-offs (x) | 22.3632% | 1,500 |
| Efficiency ratio | 63.8767% | 4,817 |
| Assets per employee ($millions) | 4.6549% | 2,637 |
| Cash dividends to net income (ytd only)* | 47.9224% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 6,247 |
| Loan loss allowance to noncurrent loans | 95.8998% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 2,876 |
| Noncurrent loans to loans | 0.8512% | 4,122 |
| Net loans and leases to total assets | 64.6435% | 2,892 |
| Net loans and leases to deposits | 71.7884% | 3,537 |
| Net loans and leases to core deposits | 101.1068% | 1,047 |
| Total domestic deposits to total assets | 90.0473% | 967 |
| Equity capital to assets | 6.1238% | 6,684 |
| Core capital (leverage) ratio | 8.0549% | 6,183 |
| Tier 1 risk-based capital ratio | 16.5572% | 2,917 |
| Total risk-based capital ratio | 17.6458% | 2,951 |
| Memoranda: | ||
| Average total assets | $79,674,000 | 5,296 |
| Average earning assets | $73,842,250 | 5,248 |
| Average equity | $5,546,000 | 5,988 |
| Average total loans | $52,376,000 | 4,908 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 2,497 |
| Cost of funding earning assets | 1.0275% | 471 |
| Net interest margin | 3.3899% | 4,226 |
| Noninterest income to average assets | 0.2505% | 5,655 |
| Noninterest expense to average assets | 2.0813% | 5,900 |
| Loan and lease loss provision to assets | 0.0250% | 4,419 |
| Net operating income to assets | 1.2924% | 1,341 |
| Return on assets (ROA) | 1.2924% | 1,433 |
| Pretax return on assets | 1.2924% | 2,327 |
| Return on Equity (ROE) | 17.8567% | 467 |
| Retained earnings to average equity (ytd only) | 11.8699% | 520 |
| Net charge-offs to loans | 0.1216% | 3,151 |
| Credit loss provision to net charge-offs | 31.2500% | 3,566 |
| Earnings coverage of net charge-offs (x) | 16.4375% | 1,667 |
| Efficiency ratio | 61.2380% | 5,289 |
| Assets per employee ($millions) | 3.7873% | 4,240 |
| Cash dividends to net income (ytd only)* | 33.5271% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 6,353 |
| Loan loss allowance to noncurrent loans | 95.4128% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 4,278 |
| Noncurrent loans to loans | 0.8383% | 4,238 |
| Net loans and leases to total assets | 64.8729% | 2,781 |
| Net loans and leases to deposits | 71.2977% | 3,543 |
| Net loans and leases to core deposits | 98.3643% | 1,182 |
| Total domestic deposits to total assets | 90.9888% | 544 |
| Equity capital to assets | 6.3998% | 6,705 |
| Core capital (leverage) ratio | 7.9231% | 6,234 |
| Tier 1 risk-based capital ratio | 16.6990% | 2,839 |
| Total risk-based capital ratio | 17.7895% | 2,876 |
| Memoranda: | ||
| Average total assets | $79,854,000 | 5,316 |
| Average earning assets | $74,161,000 | 5,271 |
| Average equity | $5,779,330 | 5,978 |
| Average total loans | $52,642,670 | 4,926 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,444 |
| Cost of funding earning assets | 0.9943% | 634 |
| Net interest margin | 3.4289% | 4,014 |
| Noninterest income to average assets | 0.2600% | 5,602 |
| Noninterest expense to average assets | 2.2696% | 5,505 |
| Loan and lease loss provision to assets | 0.0300% | 4,080 |
| Net operating income to assets | 1.1498% | 1,676 |
| Return on assets (ROA) | 1.1498% | 1,780 |
| Pretax return on assets | 1.1498% | 2,764 |
| Return on Equity (ROE) | 15.0229% | 763 |
| Retained earnings to average equity (ytd only) | 15.0229% | 350 |
| Net charge-offs to loans | 0.2341% | 2,034 |
| Credit loss provision to net charge-offs | 19.3548% | 3,043 |
| Earnings coverage of net charge-offs (x) | 7.6129% | 2,044 |
| Efficiency ratio | 65.7971% | 4,699 |
| Assets per employee ($millions) | 4.0164% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 6,489 |
| Loan loss allowance to noncurrent loans | 22.7750% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 2.2520% | 2,075 |
| Noncurrent loans to loans | 3.4253% | 1,403 |
| Net loans and leases to total assets | 65.2346% | 2,508 |
| Net loans and leases to deposits | 70.7452% | 3,359 |
| Net loans and leases to core deposits | 95.5177% | 1,227 |
| Total domestic deposits to total assets | 92.2106% | 213 |
| Equity capital to assets | 7.6886% | 6,530 |
| Core capital (leverage) ratio | 7.8029% | 6,284 |
| Tier 1 risk-based capital ratio | 16.3138% | 3,104 |
| Total risk-based capital ratio | 17.3880% | 3,146 |
| Memoranda: | ||
| Average total assets | $80,014,000 | 5,365 |
| Average earning assets | $74,425,500 | 5,309 |
| Average equity | $6,124,000 | 5,954 |
| Average total loans | $52,958,000 | 4,950 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 2,633 |
| Cost of funding earning assets | 1.0448% | 1,144 |
| Net interest margin | 3.6469% | 3,892 |
| Noninterest income to average assets | 0.3981% | 4,625 |
| Noninterest expense to average assets | 2.5644% | 4,885 |
| Loan and lease loss provision to assets | 0.8951% | 503 |
| Net operating income to assets | 0.3539% | 5,277 |
| Return on assets (ROA) | 0.3539% | 5,506 |
| Pretax return on assets | 0.3539% | 5,701 |
| Return on Equity (ROE) | 4.1935% | 5,060 |
| Retained earnings to average equity (ytd only) | -5.0569% | 6,429 |
| Net charge-offs to loans | 1.1336% | 917 |
| Credit loss provision to net charge-offs | 109.3800% | 2,684 |
| Earnings coverage of net charge-offs (x) | 1.5262% | 4,679 |
| Efficiency ratio | 67.2467% | 4,283 |
| Assets per employee ($millions) | 3.9851% | 3,981 |
| Cash dividends to net income (ytd only)* | 220.5882% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 6,450 |
| Loan loss allowance to noncurrent loans | 24.7440% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 2.2308% | 2,196 |
| Noncurrent loans to loans | 3.3105% | 1,547 |
| Net loans and leases to total assets | 66.0820% | 2,513 |
| Net loans and leases to deposits | 71.6211% | 3,477 |
| Net loans and leases to core deposits | 95.9379% | 1,309 |
| Total domestic deposits to total assets | 92.2661% | 200 |
| Equity capital to assets | 7.6185% | 6,587 |
| Core capital (leverage) ratio | 7.8365% | 6,321 |
| Tier 1 risk-based capital ratio | 15.6712% | 3,336 |
| Total risk-based capital ratio | 16.8023% | 3,355 |
| Memoranda: | ||
| Average total assets | $76,859,600 | 5,438 |
| Average earning assets | $71,978,200 | 5,371 |
| Average equity | $6,486,200 | 5,895 |
| Average total loans | $55,487,800 | 4,886 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7206% | 2,712 |
| Cost of funding earning assets | 1.0538% | 1,264 |
| Net interest margin | 3.6668% | 3,936 |
| Noninterest income to average assets | 0.4517% | 4,279 |
| Noninterest expense to average assets | 2.5336% | 4,977 |
| Loan and lease loss provision to assets | 0.2311% | 2,732 |
| Net operating income to assets | 1.1293% | 1,983 |
| Return on assets (ROA) | 1.1293% | 2,183 |
| Pretax return on assets | 1.1293% | 3,237 |
| Return on Equity (ROE) | 13.0503% | 1,324 |
| Retained earnings to average equity (ytd only) | 8.3360% | 1,472 |
| Net charge-offs to loans | 0.0143% | 5,494 |
| Credit loss provision to net charge-offs | 2,200.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 129.4963% | 338 |
| Efficiency ratio | 65.0629% | 4,619 |
| Assets per employee ($millions) | 3.7639% | 4,398 |
| Cash dividends to net income (ytd only)* | 36.1241% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 6,362 |
| Loan loss allowance to noncurrent loans | 19.9283% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 3.3822% | 1,494 |
| Noncurrent loans to loans | 4.5456% | 1,035 |
| Net loans and leases to total assets | 72.6596% | 1,444 |
| Net loans and leases to deposits | 80.6535% | 2,297 |
| Net loans and leases to core deposits | 113.0830% | 459 |
| Total domestic deposits to total assets | 90.0886% | 800 |
| Equity capital to assets | 9.0625% | 5,761 |
| Core capital (leverage) ratio | 9.0175% | 5,040 |
| Tier 1 risk-based capital ratio | 17.9349% | 2,377 |
| Total risk-based capital ratio | 19.2600% | 2,317 |
| Memoranda: | ||
| Average total assets | $76,149,250 | 5,511 |
| Average earning assets | $71,485,750 | 5,446 |
| Average equity | $6,589,750 | 5,938 |
| Average total loans | $56,084,000 | 4,914 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 3,106 |
| Cost of funding earning assets | 1.0759% | 1,328 |
| Net interest margin | 3.5818% | 4,341 |
| Noninterest income to average assets | 0.5311% | 3,720 |
| Noninterest expense to average assets | 2.5301% | 5,042 |
| Loan and lease loss provision to assets | 0.3297% | 1,996 |
| Net operating income to assets | 1.0335% | 2,326 |
| Return on assets (ROA) | 1.0335% | 2,545 |
| Pretax return on assets | 1.0335% | 3,584 |
| Return on Equity (ROE) | 12.1308% | 1,627 |
| Retained earnings to average equity (ytd only) | 9.0597% | 1,255 |
| Net charge-offs to loans | 0.0319% | 4,931 |
| Credit loss provision to net charge-offs | 1,400.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 57.8889% | 653 |
| Efficiency ratio | 64.9866% | 4,724 |
| Assets per employee ($millions) | 3.7856% | 4,351 |
| Cash dividends to net income (ytd only)* | 25.3165% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 6,516 |
| Loan loss allowance to noncurrent loans | 23.4704% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 2.7816% | 1,982 |
| Noncurrent loans to loans | 3.7350% | 1,512 |
| Net loans and leases to total assets | 73.3315% | 1,347 |
| Net loans and leases to deposits | 81.8541% | 2,131 |
| Net loans and leases to core deposits | 108.3888% | 645 |
| Total domestic deposits to total assets | 89.5880% | 1,169 |
| Equity capital to assets | 8.8798% | 5,828 |
| Core capital (leverage) ratio | 8.5684% | 5,563 |
| Tier 1 risk-based capital ratio | 17.5912% | 2,444 |
| Total risk-based capital ratio | 18.8900% | 2,392 |
| Memoranda: | ||
| Average total assets | $76,440,000 | 5,533 |
| Average earning assets | $71,751,000 | 5,468 |
| Average equity | $6,512,330 | 5,980 |
| Average total loans | $56,380,000 | 4,939 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 4,488 |
| Cost of funding earning assets | 1.1144% | 1,325 |
| Net interest margin | 3.2433% | 5,649 |
| Noninterest income to average assets | 0.3281% | 5,240 |
| Noninterest expense to average assets | 2.5415% | 5,017 |
| Loan and lease loss provision to assets | 0.1614% | 3,368 |
| Net operating income to assets | 0.6718% | 4,021 |
| Return on assets (ROA) | 0.6718% | 4,236 |
| Pretax return on assets | 0.6718% | 4,880 |
| Return on Equity (ROE) | 8.0537% | 3,265 |
| Retained earnings to average equity (ytd only) | 8.0537% | 1,967 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3086% | 2,891 |
| Assets per employee ($millions) | 3.8624% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 6,855 |
| Loan loss allowance to noncurrent loans | 18.8987% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 2.7949% | 2,097 |
| Noncurrent loans to loans | 3.8138% | 1,623 |
| Net loans and leases to total assets | 72.2155% | 1,364 |
| Net loans and leases to deposits | 78.8971% | 2,354 |
| Net loans and leases to core deposits | 106.5311% | 655 |
| Total domestic deposits to total assets | 91.5312% | 367 |
| Equity capital to assets | 8.3277% | 6,249 |
| Core capital (leverage) ratio | 8.3198% | 5,846 |
| Tier 1 risk-based capital ratio | 16.4007% | 2,961 |
| Total risk-based capital ratio | 17.4275% | 3,046 |
| Memoranda: | ||
| Average total assets | $76,804,500 | 5,571 |
| Average earning assets | $72,148,000 | 5,491 |
| Average equity | $6,407,000 | 6,041 |
| Average total loans | $56,564,500 | 4,959 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 2,940 |
| Cost of funding earning assets | 1.2527% | 1,722 |
| Net interest margin | 3.7336% | 4,140 |
| Noninterest income to average assets | 0.3490% | 5,015 |
| Noninterest expense to average assets | 2.6119% | 5,048 |
| Loan and lease loss provision to assets | 0.0134% | 6,374 |
| Net operating income to assets | 1.1999% | 1,512 |
| Return on assets (ROA) | 1.2080% | 1,600 |
| Pretax return on assets | 1.2080% | 2,436 |
| Return on Equity (ROE) | 14.1461% | 897 |
| Retained earnings to average equity (ytd only) | 3.4265% | 3,788 |
| Net charge-offs to loans | 0.0306% | 6,016 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 50.2222% | 557 |
| Efficiency ratio | 68.2807% | 4,301 |
| Assets per employee ($millions) | 3.6362% | 4,692 |
| Cash dividends to net income (ytd only)* | 75.7778% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6305% | 6,988 |
| Loan loss allowance to noncurrent loans | 18.3538% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 2.5903% | 2,347 |
| Noncurrent loans to loans | 3.4353% | 1,872 |
| Net loans and leases to total assets | 74.0954% | 1,260 |
| Net loans and leases to deposits | 80.9929% | 2,360 |
| Net loans and leases to core deposits | 110.8086% | 596 |
| Total domestic deposits to total assets | 91.4839% | 338 |
| Equity capital to assets | 8.3564% | 6,298 |
| Core capital (leverage) ratio | 8.3743% | 5,747 |
| Tier 1 risk-based capital ratio | 17.0654% | 2,570 |
| Total risk-based capital ratio | 18.0295% | 2,664 |
| Memoranda: | ||
| Average total assets | $74,505,200 | 5,624 |
| Average earning assets | $69,369,600 | 5,560 |
| Average equity | $6,362,200 | 6,055 |
| Average total loans | $58,839,200 | 4,910 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 2,841 |
| Cost of funding earning assets | 1.2824% | 1,802 |
| Net interest margin | 3.7676% | 4,025 |
| Noninterest income to average assets | 0.3656% | 4,947 |
| Noninterest expense to average assets | 2.5463% | 5,296 |
| Loan and lease loss provision to assets | 0.0072% | 6,336 |
| Net operating income to assets | 1.3091% | 1,352 |
| Return on assets (ROA) | 1.3091% | 1,441 |
| Pretax return on assets | 1.3091% | 2,259 |
| Return on Equity (ROE) | 15.2467% | 796 |
| Retained earnings to average equity (ytd only) | 3.8798% | 3,958 |
| Net charge-offs to loans | 0.0292% | 5,738 |
| Credit loss provision to net charge-offs | 30.7692% | 5,403 |
| Earnings coverage of net charge-offs (x) | 56.2400% | 584 |
| Efficiency ratio | 65.9207% | 4,738 |
| Assets per employee ($millions) | 3.6180% | 4,714 |
| Cash dividends to net income (ytd only)* | 74.5530% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 7,039 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 5,903 |
| Noncurrent loans to loans | 0.6354% | 5,617 |
| Net loans and leases to total assets | 73.6862% | 1,377 |
| Net loans and leases to deposits | 80.5705% | 2,582 |
| Net loans and leases to core deposits | 110.2955% | 660 |
| Total domestic deposits to total assets | 91.4555% | 307 |
| Equity capital to assets | 8.4286% | 6,370 |
| Core capital (leverage) ratio | 8.6880% | 5,428 |
| Tier 1 risk-based capital ratio | 17.4713% | 2,454 |
| Total risk-based capital ratio | 18.4607% | 2,522 |
| Memoranda: | ||
| Average total assets | $74,041,250 | 5,680 |
| Average earning assets | $68,725,000 | 5,629 |
| Average equity | $6,357,500 | 6,092 |
| Average total loans | $59,314,250 | 4,932 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 2,618 |
| Cost of funding earning assets | 1.3005% | 1,941 |
| Net interest margin | 3.8132% | 3,715 |
| Noninterest income to average assets | 0.3842% | 4,803 |
| Noninterest expense to average assets | 2.5315% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3843% | 1,115 |
| Return on assets (ROA) | 1.3843% | 1,185 |
| Pretax return on assets | 1.3843% | 1,842 |
| Return on Equity (ROE) | 16.0202% | 669 |
| Retained earnings to average equity (ytd only) | 4.7619% | 3,147 |
| Net charge-offs to loans | 0.0166% | 5,610 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 101.6000% | 362 |
| Efficiency ratio | 64.6486% | 5,119 |
| Assets per employee ($millions) | 3.4819% | 4,985 |
| Cash dividends to net income (ytd only)* | 70.2756% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5759% | 7,169 |
| Loan loss allowance to noncurrent loans | 42.4205% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 4,657 |
| Noncurrent loans to loans | 1.3576% | 4,383 |
| Net loans and leases to total assets | 81.9322% | 375 |
| Net loans and leases to deposits | 89.8616% | 1,286 |
| Net loans and leases to core deposits | 120.3624% | 411 |
| Total domestic deposits to total assets | 91.1760% | 437 |
| Equity capital to assets | 8.6694% | 5,976 |
| Core capital (leverage) ratio | 8.5500% | 5,474 |
| Tier 1 risk-based capital ratio | 16.6442% | 2,672 |
| Total risk-based capital ratio | 17.5627% | 2,797 |
| Memoranda: | ||
| Average total assets | $73,395,330 | 5,737 |
| Average earning assets | $67,974,000 | 5,696 |
| Average equity | $6,342,000 | 6,127 |
| Average total loans | $60,304,330 | 4,943 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 2,304 |
| Cost of funding earning assets | 1.2730% | 2,344 |
| Net interest margin | 3.9066% | 3,106 |
| Noninterest income to average assets | 0.4189% | 4,551 |
| Noninterest expense to average assets | 2.5186% | 5,488 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5394% | 800 |
| Return on assets (ROA) | 1.5394% | 839 |
| Pretax return on assets | 1.5394% | 1,325 |
| Return on Equity (ROE) | 17.8450% | 493 |
| Retained earnings to average equity (ytd only) | 17.8450% | 245 |
| Net charge-offs to loans | 0.1127% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 16.6471% | 1,257 |
| Efficiency ratio | 62.0643% | 5,671 |
| Assets per employee ($millions) | 3.7306% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 7,244 |
| Loan loss allowance to noncurrent loans | 23.9628% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 1.8737% | 3,465 |
| Noncurrent loans to loans | 2.3376% | 3,153 |
| Net loans and leases to total assets | 79.7081% | 538 |
| Net loans and leases to deposits | 87.4381% | 1,525 |
| Net loans and leases to core deposits | 117.7783% | 481 |
| Total domestic deposits to total assets | 91.1595% | 549 |
| Equity capital to assets | 8.6864% | 5,674 |
| Core capital (leverage) ratio | 8.7386% | 5,023 |
| Tier 1 risk-based capital ratio | 17.6411% | 2,235 |
| Total risk-based capital ratio | 18.5619% | 2,344 |
| Memoranda: | ||
| Average total assets | $73,533,500 | 5,773 |
| Average earning assets | $68,500,000 | 5,715 |
| Average equity | $6,343,500 | 6,141 |
| Average total loans | $60,329,000 | 4,989 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 3,472 |
| Cost of funding earning assets | 1.8317% | 1,054 |
| Net interest margin | 3.3967% | 5,645 |
| Noninterest income to average assets | 0.3502% | 5,302 |
| Noninterest expense to average assets | 2.4527% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0747% | 1,778 |
| Return on assets (ROA) | 1.0801% | 1,855 |
| Pretax return on assets | 1.0801% | 2,659 |
| Return on Equity (ROE) | 12.9885% | 1,089 |
| Retained earnings to average equity (ytd only) | 4.0337% | 3,035 |
| Net charge-offs to loans | 0.0032% | 6,825 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 400.5000% | 59 |
| Efficiency ratio | 69.5321% | 4,276 |
| Assets per employee ($millions) | 4.2621% | 3,277 |
| Cash dividends to net income (ytd only)* | 68.9441% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5785% | 7,288 |
| Loan loss allowance to noncurrent loans | 163.7209% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 6,500 |
| Noncurrent loans to loans | 0.3533% | 6,354 |
| Net loans and leases to total assets | 83.4990% | 344 |
| Net loans and leases to deposits | 95.2231% | 929 |
| Net loans and leases to core deposits | 127.4865% | 364 |
| Total domestic deposits to total assets | 87.6877% | 2,428 |
| Equity capital to assets | 8.5652% | 5,766 |
| Core capital (leverage) ratio | 8.5070% | 5,349 |
| Tier 1 risk-based capital ratio | 16.4704% | 2,535 |
| Total risk-based capital ratio | 17.4146% | 2,629 |
| Memoranda: | ||
| Average total assets | $74,530,000 | 5,752 |
| Average earning assets | $69,715,200 | 5,681 |
| Average equity | $6,197,800 | 6,307 |
| Average total loans | $62,519,000 | 4,974 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2051% | 3,801 |
| Cost of funding earning assets | 1.9403% | 900 |
| Net interest margin | 3.2648% | 6,127 |
| Noninterest income to average assets | 0.3464% | 5,395 |
| Noninterest expense to average assets | 2.3451% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0624% | 2,028 |
| Return on assets (ROA) | 1.0695% | 2,118 |
| Pretax return on assets | 1.0695% | 2,932 |
| Return on Equity (ROE) | 12.9548% | 1,262 |
| Retained earnings to average equity (ytd only) | 7.4674% | 1,610 |
| Net charge-offs to loans | 0.0042% | 6,617 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 298.6180% | 104 |
| Efficiency ratio | 68.8217% | 4,306 |
| Assets per employee ($millions) | 4.3348% | 3,193 |
| Cash dividends to net income (ytd only)* | 42.3584% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5689% | 7,386 |
| Loan loss allowance to noncurrent loans | 1,173.3333% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 7,165 |
| Noncurrent loans to loans | 0.0485% | 7,125 |
| Net loans and leases to total assets | 83.4907% | 367 |
| Net loans and leases to deposits | 98.3881% | 772 |
| Net loans and leases to core deposits | 137.7530% | 286 |
| Total domestic deposits to total assets | 84.8586% | 3,687 |
| Equity capital to assets | 8.5871% | 6,175 |
| Core capital (leverage) ratio | 8.4655% | 5,569 |
| Tier 1 risk-based capital ratio | 17.0025% | 2,338 |
| Total risk-based capital ratio | 17.9624% | 2,417 |
| Memoranda: | ||
| Average total assets | $75,048,500 | 5,804 |
| Average earning assets | $70,364,750 | 5,727 |
| Average equity | $6,195,750 | 6,394 |
| Average total loans | $62,935,750 | 5,029 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 4,169 |
| Cost of funding earning assets | 2.0398% | 802 |
| Net interest margin | 3.1147% | 6,565 |
| Noninterest income to average assets | 0.3550% | 5,304 |
| Noninterest expense to average assets | 2.2225% | 6,596 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0569% | 1,995 |
| Return on assets (ROA) | 1.0675% | 2,031 |
| Pretax return on assets | 1.0675% | 2,882 |
| Return on Equity (ROE) | 13.1021% | 1,211 |
| Retained earnings to average equity (ytd only) | 9.0382% | 1,095 |
| Net charge-offs to loans | 0.0032% | 6,336 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 399.0000% | 86 |
| Efficiency ratio | 67.7706% | 4,621 |
| Assets per employee ($millions) | 3.8299% | 4,157 |
| Cash dividends to net income (ytd only)* | 31.0174% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 7,446 |
| Loan loss allowance to noncurrent loans | 928.9474% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 7,187 |
| Noncurrent loans to loans | 0.0614% | 7,159 |
| Net loans and leases to total assets | 84.5523% | 316 |
| Net loans and leases to deposits | 96.3754% | 1,013 |
| Net loans and leases to core deposits | 133.3196% | 375 |
| Total domestic deposits to total assets | 87.7322% | 2,149 |
| Equity capital to assets | 8.5986% | 6,018 |
| Core capital (leverage) ratio | 8.4013% | 5,582 |
| Tier 1 risk-based capital ratio | 17.0746% | 2,251 |
| Total risk-based capital ratio | 18.0519% | 2,312 |
| Memoranda: | ||
| Average total assets | $75,500,670 | 5,819 |
| Average earning assets | $70,890,000 | 5,744 |
| Average equity | $6,151,670 | 6,421 |
| Average total loans | $63,288,330 | 5,040 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 4,316 |
| Cost of funding earning assets | 2.1429% | 700 |
| Net interest margin | 3.0033% | 6,827 |
| Noninterest income to average assets | 0.4059% | 4,868 |
| Noninterest expense to average assets | 2.2793% | 6,446 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9419% | 2,386 |
| Return on assets (ROA) | 0.9523% | 2,419 |
| Pretax return on assets | 0.9523% | 3,257 |
| Return on Equity (ROE) | 12.0020% | 1,501 |
| Retained earnings to average equity (ytd only) | 12.0020% | 747 |
| Net charge-offs to loans | -0.0063% | 6,833 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7593% | 4,169 |
| Assets per employee ($millions) | 4.6043% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5662% | 7,539 |
| Loan loss allowance to noncurrent loans | 58.6777% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 5,457 |
| Noncurrent loans to loans | 0.9649% | 5,407 |
| Net loans and leases to total assets | 84.6285% | 321 |
| Net loans and leases to deposits | 92.5439% | 1,539 |
| Net loans and leases to core deposits | 128.6047% | 525 |
| Total domestic deposits to total assets | 91.4469% | 392 |
| Equity capital to assets | 8.3821% | 6,180 |
| Core capital (leverage) ratio | 7.9829% | 6,264 |
| Tier 1 risk-based capital ratio | 17.6394% | 2,040 |
| Total risk-based capital ratio | 18.6707% | 2,072 |
| Memoranda: | ||
| Average total assets | $76,867,000 | 5,854 |
| Average earning assets | $72,053,500 | 5,774 |
| Average equity | $6,099,000 | 6,486 |
| Average total loans | $63,992,500 | 5,081 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1465% | 5,892 |
| Cost of funding earning assets | 2.3331% | 1,517 |
| Net interest margin | 2.8134% | 7,039 |
| Noninterest income to average assets | 0.3196% | 5,800 |
| Noninterest expense to average assets | 2.3164% | 6,703 |
| Loan and lease loss provision to assets | 0.0183% | 7,319 |
| Net operating income to assets | 0.6587% | 3,105 |
| Return on assets (ROA) | 0.6691% | 3,118 |
| Pretax return on assets | 0.6691% | 3,687 |
| Return on Equity (ROE) | 8.6773% | 2,133 |
| Retained earnings to average equity (ytd only) | 3.6028% | 2,663 |
| Net charge-offs to loans | 0.0293% | 6,836 |
| Credit loss provision to net charge-offs | 73.6842% | 6,421 |
| Earnings coverage of net charge-offs (x) | 27.3158% | 829 |
| Efficiency ratio | 77.3856% | 3,293 |
| Assets per employee ($millions) | 5.0041% | 2,211 |
| Cash dividends to net income (ytd only)* | 58.4795% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5438% | 7,627 |
| Loan loss allowance to noncurrent loans | 35.5000% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 1.3139% | 4,461 |
| Noncurrent loans to loans | 1.5317% | 4,353 |
| Net loans and leases to total assets | 81.0966% | 826 |
| Net loans and leases to deposits | 98.6418% | 1,042 |
| Net loans and leases to core deposits | 192.6192% | 120 |
| Total domestic deposits to total assets | 82.2132% | 4,859 |
| Equity capital to assets | 7.5226% | 7,015 |
| Core capital (leverage) ratio | 7.7162% | 6,542 |
| Tier 1 risk-based capital ratio | 16.2013% | 2,435 |
| Total risk-based capital ratio | 17.1779% | 2,480 |
| Memoranda: | ||
| Average total assets | $76,669,400 | 5,817 |
| Average earning assets | $72,864,800 | 5,725 |
| Average equity | $5,912,000 | 6,631 |
| Average total loans | $64,902,800 | 5,071 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1764% | 5,982 |
| Cost of funding earning assets | 2.3586% | 1,773 |
| Net interest margin | 2.8178% | 7,026 |
| Noninterest income to average assets | 0.3306% | 5,843 |
| Noninterest expense to average assets | 2.3353% | 6,612 |
| Loan and lease loss provision to assets | 0.0246% | 7,109 |
| Net operating income to assets | 0.6682% | 3,321 |
| Return on assets (ROA) | 0.6823% | 3,327 |
| Pretax return on assets | 0.6823% | 3,919 |
| Return on Equity (ROE) | 8.7916% | 2,344 |
| Retained earnings to average equity (ytd only) | 4.9396% | 2,524 |
| Net charge-offs to loans | 0.0391% | 6,361 |
| Credit loss provision to net charge-offs | 73.6842% | 5,909 |
| Earnings coverage of net charge-offs (x) | 20.7390% | 1,224 |
| Efficiency ratio | 77.1196% | 3,296 |
| Assets per employee ($millions) | 4.6193% | 2,673 |
| Cash dividends to net income (ytd only)* | 43.8143% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5455% | 7,650 |
| Loan loss allowance to noncurrent loans | 15.5052% | 7,310 |
| Noncurrent assets plus other real estate owned to assets | 3.1769% | 2,137 |
| Noncurrent loans to loans | 3.5182% | 2,132 |
| Net loans and leases to total assets | 87.8161% | 218 |
| Net loans and leases to deposits | 106.0956% | 647 |
| Net loans and leases to core deposits | 207.4406% | 86 |
| Total domestic deposits to total assets | 82.7707% | 4,336 |
| Equity capital to assets | 8.1668% | 6,677 |
| Core capital (leverage) ratio | 7.8796% | 6,527 |
| Tier 1 risk-based capital ratio | 17.8417% | 2,035 |
| Total risk-based capital ratio | 18.9193% | 2,029 |
| Memoranda: | ||
| Average total assets | $75,820,500 | 5,879 |
| Average earning assets | $72,584,500 | 5,767 |
| Average equity | $5,884,250 | 6,712 |
| Average total loans | $64,807,250 | 5,115 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 6,142 |
| Cost of funding earning assets | 2.3705% | 2,077 |
| Net interest margin | 2.8107% | 6,992 |
| Noninterest income to average assets | 0.3322% | 5,853 |
| Noninterest expense to average assets | 2.4092% | 6,428 |
| Loan and lease loss provision to assets | 0.0366% | 6,875 |
| Net operating income to assets | 0.5755% | 3,789 |
| Return on assets (ROA) | 0.5755% | 3,896 |
| Pretax return on assets | 0.5755% | 4,387 |
| Return on Equity (ROE) | 7.5424% | 2,952 |
| Retained earnings to average equity (ytd only) | 1.7142% | 4,386 |
| Net charge-offs to loans | 0.0247% | 6,141 |
| Credit loss provision to net charge-offs | 175.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,014 |
| Efficiency ratio | 79.7403% | 3,089 |
| Assets per employee ($millions) | 4.7292% | 2,429 |
| Cash dividends to net income (ytd only)* | 77.2727% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5534% | 7,719 |
| Loan loss allowance to noncurrent loans | 23.8467% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 2,948 |
| Noncurrent loans to loans | 2.3205% | 3,117 |
| Net loans and leases to total assets | 87.1635% | 294 |
| Net loans and leases to deposits | 102.7785% | 1,016 |
| Net loans and leases to core deposits | 198.8363% | 126 |
| Total domestic deposits to total assets | 84.8071% | 3,352 |
| Equity capital to assets | 7.7392% | 7,036 |
| Core capital (leverage) ratio | 7.4681% | 7,061 |
| Tier 1 risk-based capital ratio | 13.2065% | 3,996 |
| Total risk-based capital ratio | 14.0531% | 4,199 |
| Memoranda: | ||
| Average total assets | $76,457,670 | 5,903 |
| Average earning assets | $73,149,000 | 5,784 |
| Average equity | $5,833,670 | 6,782 |
| Average total loans | $64,656,330 | 5,153 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 6,244 |
| Cost of funding earning assets | 2.4072% | 2,263 |
| Net interest margin | 2.8048% | 6,984 |
| Noninterest income to average assets | 0.3591% | 5,572 |
| Noninterest expense to average assets | 2.3577% | 6,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6818% | 3,652 |
| Return on assets (ROA) | 0.6818% | 3,837 |
| Pretax return on assets | 0.6818% | 4,493 |
| Return on Equity (ROE) | 8.9996% | 2,724 |
| Retained earnings to average equity (ytd only) | 1.4427% | 5,044 |
| Net charge-offs to loans | 0.0564% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 14.5556% | 1,660 |
| Efficiency ratio | 77.5685% | 3,246 |
| Assets per employee ($millions) | 4.5720% | 2,605 |
| Cash dividends to net income (ytd only)* | 83.9695% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5400% | 7,771 |
| Loan loss allowance to noncurrent loans | 33.8772% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3792% | 3,892 |
| Noncurrent loans to loans | 1.5940% | 3,888 |
| Net loans and leases to total assets | 83.6524% | 741 |
| Net loans and leases to deposits | 96.1620% | 1,917 |
| Net loans and leases to core deposits | 182.4299% | 218 |
| Total domestic deposits to total assets | 86.9911% | 2,223 |
| Equity capital to assets | 7.5202% | 7,336 |
| Core capital (leverage) ratio | 7.4187% | 7,257 |
| Tier 1 risk-based capital ratio | 17.1876% | 2,281 |
| Total risk-based capital ratio | 18.2526% | 2,269 |
| Memoranda: | ||
| Average total assets | $76,853,000 | 5,920 |
| Average earning assets | $73,446,500 | 5,797 |
| Average equity | $5,822,500 | 6,833 |
| Average total loans | $63,824,000 | 5,215 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9779% | 5,654 |
| Cost of funding earning assets | 2.9869% | 1,914 |
| Net interest margin | 2.9910% | 6,937 |
| Noninterest income to average assets | 0.3332% | 6,071 |
| Noninterest expense to average assets | 2.1685% | 7,061 |
| Loan and lease loss provision to assets | 0.0525% | 6,757 |
| Net operating income to assets | 0.9304% | 2,875 |
| Return on assets (ROA) | 0.9304% | 2,728 |
| Pretax return on assets | 0.9304% | 3,617 |
| Return on Equity (ROE) | 12.5775% | 1,427 |
| Retained earnings to average equity (ytd only) | 3.3090% | 3,092 |
| Net charge-offs to loans | 0.0134% | 6,719 |
| Credit loss provision to net charge-offs | 512.5000% | 853 |
| Earnings coverage of net charge-offs (x) | 95.8750% | 447 |
| Efficiency ratio | 68.8085% | 4,575 |
| Assets per employee ($millions) | 4.4695% | 2,664 |
| Cash dividends to net income (ytd only)* | 73.6915% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 7,710 |
| Loan loss allowance to noncurrent loans | 37.6434% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4188% | 3,360 |
| Noncurrent loans to loans | 1.5399% | 3,483 |
| Net loans and leases to total assets | 81.4877% | 1,322 |
| Net loans and leases to deposits | 88.9023% | 3,651 |
| Net loans and leases to core deposits | 164.5433% | 502 |
| Total domestic deposits to total assets | 91.6599% | 182 |
| Equity capital to assets | 7.6334% | 7,276 |
| Core capital (leverage) ratio | 7.2652% | 7,453 |
| Tier 1 risk-based capital ratio | 16.4374% | 2,509 |
| Total risk-based capital ratio | 17.4830% | 2,507 |
| Memoranda: | ||
| Average total assets | $78,027,400 | 5,766 |
| Average earning assets | $73,520,800 | 5,687 |
| Average equity | $5,772,200 | 6,887 |
| Average total loans | $59,803,200 | 5,277 |