Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 810 |
| Cost of funding earning assets | 0.4074% | 1,495 |
| Net interest margin | 3.9217% | 818 |
| Noninterest income to average assets | 0.1233% | 4,522 |
| Noninterest expense to average assets | 1.7136% | 4,276 |
| Loan and lease loss provision to assets | 0.1763% | 652 |
| Net operating income to assets | 1.7806% | 529 |
| Return on assets (ROA) | 1.7806% | 554 |
| Pretax return on assets | 1.8785% | 766 |
| Return on Equity (ROE) | 14.7301% | 1,013 |
| Retained earnings to average equity (ytd only) | 7.5351% | 1,710 |
| Net charge-offs to loans | 0.0198% | 1,879 |
| Credit loss provision to net charge-offs | 1,253.8462% | 446 |
| Earnings coverage of net charge-offs (x) | 146.1154% | 676 |
| Efficiency ratio | 45.4715% | 4,522 |
| Assets per employee ($millions) | 6.5653% | 2,281 |
| Cash dividends to net income (ytd only)* | 48.8457% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,558 |
| Loan loss allowance to noncurrent loans | 1,361.3208% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 3,269 |
| Noncurrent loans to loans | 0.0773% | 3,545 |
| Net loans and leases to total assets | 73.7673% | 682 |
| Net loans and leases to deposits | 84.3399% | 889 |
| Net loans and leases to core deposits | 96.8732% | 661 |
| Total domestic deposits to total assets | 87.4644% | 2,303 |
| Equity capital to assets | 12.4105% | 1,093 |
| Core capital (leverage) ratio | 11.6397% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,877,000 | 3,169 |
| Average earning assets | $171,840,200 | 3,166 |
| Average equity | $22,348,800 | 3,031 |
| Average total loans | $131,266,600 | 2,841 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 711 |
| Cost of funding earning assets | 0.4306% | 1,482 |
| Net interest margin | 4.0361% | 740 |
| Noninterest income to average assets | 0.0929% | 4,696 |
| Noninterest expense to average assets | 1.5339% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2044% | 325 |
| Return on assets (ROA) | 2.2044% | 339 |
| Pretax return on assets | 2.3052% | 462 |
| Return on Equity (ROE) | 18.3571% | 587 |
| Retained earnings to average equity (ytd only) | 11.7243% | 893 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9550% | 4,724 |
| Assets per employee ($millions) | 7.2085% | 1,732 |
| Cash dividends to net income (ytd only)* | 36.1320% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 4,281 |
| Loan loss allowance to noncurrent loans | 580.2030% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 3,429 |
| Noncurrent loans to loans | 0.1462% | 3,386 |
| Net loans and leases to total assets | 68.6640% | 1,241 |
| Net loans and leases to deposits | 78.1420% | 1,471 |
| Net loans and leases to core deposits | 92.5433% | 898 |
| Total domestic deposits to total assets | 87.8708% | 1,921 |
| Equity capital to assets | 11.9109% | 1,441 |
| Core capital (leverage) ratio | 12.0912% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,139,250 | 3,203 |
| Average earning assets | $171,843,250 | 3,198 |
| Average equity | $22,232,500 | 3,068 |
| Average total loans | $129,821,250 | 2,893 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 517 |
| Cost of funding earning assets | 0.4732% | 1,364 |
| Net interest margin | 4.2485% | 536 |
| Noninterest income to average assets | 0.1033% | 4,680 |
| Noninterest expense to average assets | 1.4474% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.5201% | 212 |
| Return on assets (ROA) | 2.5201% | 228 |
| Pretax return on assets | 2.6322% | 291 |
| Return on Equity (ROE) | 20.9254% | 386 |
| Retained earnings to average equity (ytd only) | 14.0445% | 538 |
| Net charge-offs to loans | 0.0016% | 2,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2,395.0000% | 37 |
| Efficiency ratio | 35.4795% | 4,848 |
| Assets per employee ($millions) | 6.5201% | 2,154 |
| Cash dividends to net income (ytd only)* | 32.8827% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 4,292 |
| Loan loss allowance to noncurrent loans | 139.0987% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 1,838 |
| Noncurrent loans to loans | 0.6082% | 1,885 |
| Net loans and leases to total assets | 73.3126% | 823 |
| Net loans and leases to deposits | 83.9171% | 1,074 |
| Net loans and leases to core deposits | 93.1152% | 948 |
| Total domestic deposits to total assets | 87.3632% | 2,147 |
| Equity capital to assets | 12.4593% | 1,148 |
| Core capital (leverage) ratio | 11.8842% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,976,000 | 3,240 |
| Average earning assets | $170,317,667 | 3,214 |
| Average equity | $21,916,000 | 3,096 |
| Average total loans | $128,167,333 | 2,919 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 1,674 |
| Cost of funding earning assets | 0.5261% | 1,229 |
| Net interest margin | 3.4350% | 2,002 |
| Noninterest income to average assets | 0.0925% | 4,719 |
| Noninterest expense to average assets | 1.3078% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9286% | 630 |
| Return on assets (ROA) | 1.9286% | 676 |
| Pretax return on assets | 1.9903% | 961 |
| Return on Equity (ROE) | 16.2969% | 960 |
| Retained earnings to average equity (ytd only) | 8.7810% | 2,023 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6529% | 4,753 |
| Assets per employee ($millions) | 6.6820% | 2,016 |
| Cash dividends to net income (ytd only)* | 46.1187% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 4,125 |
| Loan loss allowance to noncurrent loans | 5,715.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,308 |
| Noncurrent loans to loans | 0.0159% | 4,221 |
| Net loans and leases to total assets | 66.5045% | 1,732 |
| Net loans and leases to deposits | 75.2531% | 1,988 |
| Net loans and leases to core deposits | 84.6818% | 1,618 |
| Total domestic deposits to total assets | 88.3745% | 1,665 |
| Equity capital to assets | 11.4871% | 1,553 |
| Core capital (leverage) ratio | 11.6408% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,683,000 | 3,242 |
| Average earning assets | $169,549,000 | 3,218 |
| Average equity | $21,501,000 | 3,119 |
| Average total loans | $124,759,500 | 2,967 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 959 |
| Cost of funding earning assets | 0.9846% | 625 |
| Net interest margin | 3.6783% | 1,879 |
| Noninterest income to average assets | 0.3743% | 3,242 |
| Noninterest expense to average assets | 2.1788% | 3,726 |
| Loan and lease loss provision to assets | 0.0522% | 3,724 |
| Net operating income to assets | 1.5159% | 778 |
| Return on assets (ROA) | 1.5159% | 844 |
| Pretax return on assets | 1.5854% | 1,107 |
| Return on Equity (ROE) | 12.6307% | 1,141 |
| Retained earnings to average equity (ytd only) | 6.3395% | 1,652 |
| Net charge-offs to loans | 0.1416% | 1,142 |
| Credit loss provision to net charge-offs | 49.1803% | 3,153 |
| Earnings coverage of net charge-offs (x) | 15.4426% | 2,174 |
| Efficiency ratio | 57.0908% | 3,845 |
| Assets per employee ($millions) | 6.0782% | 2,272 |
| Cash dividends to net income (ytd only)* | 49.8089% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,352 |
| Loan loss allowance to noncurrent loans | 6,965.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,370 |
| Noncurrent loans to loans | 0.0161% | 4,297 |
| Net loans and leases to total assets | 69.6691% | 1,601 |
| Net loans and leases to deposits | 79.5225% | 1,924 |
| Net loans and leases to core deposits | 90.4641% | 1,493 |
| Total domestic deposits to total assets | 87.6093% | 1,653 |
| Equity capital to assets | 12.2029% | 1,477 |
| Core capital (leverage) ratio | 11.4554% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,574,200 | 3,174 |
| Average earning assets | $161,487,800 | 3,154 |
| Average equity | $20,711,400 | 3,122 |
| Average total loans | $129,207,800 | 2,875 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 929 |
| Cost of funding earning assets | 1.0626% | 614 |
| Net interest margin | 3.7067% | 1,918 |
| Noninterest income to average assets | 0.4264% | 2,952 |
| Noninterest expense to average assets | 1.8922% | 4,341 |
| Loan and lease loss provision to assets | 0.0466% | 3,775 |
| Net operating income to assets | 1.8860% | 380 |
| Return on assets (ROA) | 1.8860% | 420 |
| Pretax return on assets | 1.9613% | 552 |
| Return on Equity (ROE) | 15.7824% | 574 |
| Retained earnings to average equity (ytd only) | 9.9128% | 786 |
| Net charge-offs to loans | 0.4364% | 363 |
| Credit loss provision to net charge-offs | 14.0515% | 2,991 |
| Earnings coverage of net charge-offs (x) | 6.0539% | 2,682 |
| Efficiency ratio | 48.5162% | 4,580 |
| Assets per employee ($millions) | 5.8704% | 2,381 |
| Cash dividends to net income (ytd only)* | 37.1911% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,153 |
| Loan loss allowance to noncurrent loans | 3,858.6207% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 4,402 |
| Noncurrent loans to loans | 0.0226% | 4,321 |
| Net loans and leases to total assets | 72.3029% | 1,616 |
| Net loans and leases to deposits | 82.6426% | 2,046 |
| Net loans and leases to core deposits | 95.7060% | 1,484 |
| Total domestic deposits to total assets | 87.4886% | 1,459 |
| Equity capital to assets | 12.2479% | 1,550 |
| Core capital (leverage) ratio | 11.7722% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,650,500 | 3,163 |
| Average earning assets | $160,856,750 | 3,142 |
| Average equity | $20,511,750 | 3,135 |
| Average total loans | $130,460,250 | 2,866 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8410% | 1,074 |
| Cost of funding earning assets | 1.1324% | 646 |
| Net interest margin | 3.7086% | 2,132 |
| Noninterest income to average assets | 0.4020% | 3,059 |
| Noninterest expense to average assets | 1.7865% | 4,577 |
| Loan and lease loss provision to assets | 0.0353% | 3,825 |
| Net operating income to assets | 2.0122% | 328 |
| Return on assets (ROA) | 2.0122% | 362 |
| Pretax return on assets | 2.0792% | 470 |
| Return on Equity (ROE) | 16.9850% | 457 |
| Retained earnings to average equity (ytd only) | 10.5065% | 689 |
| Net charge-offs to loans | 0.6513% | 244 |
| Credit loss provision to net charge-offs | 7.0258% | 2,754 |
| Earnings coverage of net charge-offs (x) | 4.2131% | 2,616 |
| Efficiency ratio | 45.7969% | 4,735 |
| Assets per employee ($millions) | 5.7402% | 2,418 |
| Cash dividends to net income (ytd only)* | 38.1425% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,300 |
| Loan loss allowance to noncurrent loans | 3,755.1724% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,476 |
| Noncurrent loans to loans | 0.0218% | 4,401 |
| Net loans and leases to total assets | 74.1984% | 1,386 |
| Net loans and leases to deposits | 84.4476% | 1,947 |
| Net loans and leases to core deposits | 100.4504% | 1,224 |
| Total domestic deposits to total assets | 87.8632% | 1,248 |
| Equity capital to assets | 11.8558% | 1,754 |
| Core capital (leverage) ratio | 11.7283% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,163,333 | 3,160 |
| Average earning assets | $160,545,000 | 3,125 |
| Average equity | $20,159,000 | 3,159 |
| Average total loans | $131,129,333 | 2,853 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 1,076 |
| Cost of funding earning assets | 1.2210% | 715 |
| Net interest margin | 3.7242% | 2,245 |
| Noninterest income to average assets | 0.2478% | 4,070 |
| Noninterest expense to average assets | 1.5950% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1363% | 208 |
| Return on assets (ROA) | 2.1363% | 230 |
| Pretax return on assets | 2.1747% | 314 |
| Return on Equity (ROE) | 18.0396% | 265 |
| Retained earnings to average equity (ytd only) | 9.8527% | 773 |
| Net charge-offs to loans | 1.0850% | 142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.5609% | 2,272 |
| Efficiency ratio | 42.3101% | 4,935 |
| Assets per employee ($millions) | 5.4092% | 2,214 |
| Cash dividends to net income (ytd only)* | 45.3829% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,249 |
| Loan loss allowance to noncurrent loans | 1,302.2989% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 4,334 |
| Noncurrent loans to loans | 0.0660% | 4,274 |
| Net loans and leases to total assets | 77.9014% | 997 |
| Net loans and leases to deposits | 88.9843% | 1,642 |
| Net loans and leases to core deposits | 106.4578% | 1,029 |
| Total domestic deposits to total assets | 87.5451% | 1,308 |
| Equity capital to assets | 11.6534% | 2,327 |
| Core capital (leverage) ratio | 11.8431% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,272,000 | 3,167 |
| Average earning assets | $157,243,000 | 3,134 |
| Average equity | $19,690,000 | 3,198 |
| Average total loans | $130,133,000 | 2,831 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 1,414 |
| Cost of funding earning assets | 1.4528% | 458 |
| Net interest margin | 3.5724% | 3,222 |
| Noninterest income to average assets | 0.2462% | 4,208 |
| Noninterest expense to average assets | 2.0838% | 4,388 |
| Loan and lease loss provision to assets | 0.0536% | 2,956 |
| Net operating income to assets | 1.4062% | 1,322 |
| Return on assets (ROA) | 1.4431% | 1,275 |
| Pretax return on assets | 1.5170% | 1,754 |
| Return on Equity (ROE) | 12.7422% | 1,262 |
| Retained earnings to average equity (ytd only) | 6.1422% | 1,798 |
| Net charge-offs to loans | 0.0233% | 2,940 |
| Credit loss provision to net charge-offs | 300.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 757 |
| Efficiency ratio | 57.6327% | 4,018 |
| Assets per employee ($millions) | 4.9957% | 2,606 |
| Cash dividends to net income (ytd only)* | 51.7968% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,664 |
| Loan loss allowance to noncurrent loans | 135.7078% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 1,928 |
| Noncurrent loans to loans | 0.8521% | 1,806 |
| Net loans and leases to total assets | 77.0464% | 1,254 |
| Net loans and leases to deposits | 89.4380% | 1,653 |
| Net loans and leases to core deposits | 106.1704% | 1,100 |
| Total domestic deposits to total assets | 86.1451% | 2,011 |
| Equity capital to assets | 12.0339% | 2,118 |
| Core capital (leverage) ratio | 11.4215% | 2,173 |
| Tier 1 risk-based capital ratio | 13.3243% | 3,621 |
| Total risk-based capital ratio | 14.3651% | 3,619 |
| Memoranda: | ||
| Average total assets | $167,769,000 | 3,124 |
| Average earning assets | $158,242,400 | 3,101 |
| Average equity | $18,999,800 | 3,223 |
| Average total loans | $128,513,000 | 2,840 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 1,520 |
| Cost of funding earning assets | 1.4700% | 454 |
| Net interest margin | 3.5355% | 3,451 |
| Noninterest income to average assets | 0.2437% | 4,275 |
| Noninterest expense to average assets | 1.9031% | 4,694 |
| Loan and lease loss provision to assets | 0.0475% | 2,946 |
| Net operating income to assets | 1.5574% | 1,041 |
| Return on assets (ROA) | 1.5794% | 1,030 |
| Pretax return on assets | 1.6522% | 1,465 |
| Return on Equity (ROE) | 14.1632% | 950 |
| Retained earnings to average equity (ytd only) | 8.1105% | 1,347 |
| Net charge-offs to loans | 0.0311% | 2,451 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 70.6315% | 940 |
| Efficiency ratio | 53.1609% | 4,479 |
| Assets per employee ($millions) | 5.1588% | 2,389 |
| Cash dividends to net income (ytd only)* | 42.7352% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,841 |
| Loan loss allowance to noncurrent loans | 1,775.6098% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,475 |
| Noncurrent loans to loans | 0.0640% | 4,348 |
| Net loans and leases to total assets | 74.3591% | 1,737 |
| Net loans and leases to deposits | 87.4409% | 2,007 |
| Net loans and leases to core deposits | 110.4529% | 933 |
| Total domestic deposits to total assets | 85.0394% | 2,411 |
| Equity capital to assets | 11.6747% | 2,537 |
| Core capital (leverage) ratio | 11.3603% | 2,334 |
| Tier 1 risk-based capital ratio | 13.0398% | 3,819 |
| Total risk-based capital ratio | 14.0368% | 3,857 |
| Memoranda: | ||
| Average total assets | $168,496,500 | 3,153 |
| Average earning assets | $158,995,000 | 3,122 |
| Average equity | $18,790,000 | 3,269 |
| Average total loans | $128,515,250 | 2,873 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 1,603 |
| Cost of funding earning assets | 1.4347% | 476 |
| Net interest margin | 3.5199% | 3,532 |
| Noninterest income to average assets | 0.2311% | 4,370 |
| Noninterest expense to average assets | 1.7961% | 4,881 |
| Loan and lease loss provision to assets | 0.0357% | 3,105 |
| Net operating income to assets | 1.6533% | 802 |
| Return on assets (ROA) | 1.6830% | 777 |
| Pretax return on assets | 1.7556% | 1,157 |
| Return on Equity (ROE) | 15.3351% | 693 |
| Retained earnings to average equity (ytd only) | 8.7908% | 1,099 |
| Net charge-offs to loans | 0.0016% | 3,125 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 1,478.0000% | 44 |
| Efficiency ratio | 50.5023% | 4,755 |
| Assets per employee ($millions) | 5.3261% | 2,124 |
| Cash dividends to net income (ytd only)* | 42.6752% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 2,963 |
| Loan loss allowance to noncurrent loans | 1,299.1071% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,425 |
| Noncurrent loans to loans | 0.0862% | 4,295 |
| Net loans and leases to total assets | 75.3779% | 1,650 |
| Net loans and leases to deposits | 91.9779% | 1,486 |
| Net loans and leases to core deposits | 117.5065% | 625 |
| Total domestic deposits to total assets | 81.9522% | 3,527 |
| Equity capital to assets | 11.3174% | 2,770 |
| Core capital (leverage) ratio | 11.1417% | 2,466 |
| Tier 1 risk-based capital ratio | 12.8321% | 3,924 |
| Total risk-based capital ratio | 13.8317% | 3,977 |
| Memoranda: | ||
| Average total assets | $167,915,330 | 3,178 |
| Average earning assets | $158,640,000 | 3,144 |
| Average equity | $18,428,330 | 3,303 |
| Average total loans | $128,672,000 | 2,885 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8810% | 1,652 |
| Cost of funding earning assets | 1.3474% | 562 |
| Net interest margin | 3.5336% | 3,487 |
| Noninterest income to average assets | 0.2712% | 4,063 |
| Noninterest expense to average assets | 1.6009% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9435% | 424 |
| Return on assets (ROA) | 1.9225% | 456 |
| Pretax return on assets | 1.9849% | 659 |
| Return on Equity (ROE) | 17.8020% | 418 |
| Retained earnings to average equity (ytd only) | 9.9567% | 1,044 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3779% | 5,090 |
| Assets per employee ($millions) | 5.1873% | 2,296 |
| Cash dividends to net income (ytd only)* | 44.0699% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,099 |
| Loan loss allowance to noncurrent loans | 1,114.0625% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,424 |
| Noncurrent loans to loans | 0.0992% | 4,299 |
| Net loans and leases to total assets | 76.8395% | 1,338 |
| Net loans and leases to deposits | 92.0360% | 1,396 |
| Net loans and leases to core deposits | 115.0282% | 689 |
| Total domestic deposits to total assets | 83.4886% | 3,222 |
| Equity capital to assets | 11.1715% | 2,684 |
| Core capital (leverage) ratio | 11.1362% | 2,441 |
| Tier 1 risk-based capital ratio | 12.7759% | 3,993 |
| Total risk-based capital ratio | 13.7694% | 4,031 |
| Memoranda: | ||
| Average total assets | $166,655,000 | 3,221 |
| Average earning assets | $157,344,500 | 3,191 |
| Average equity | $17,998,000 | 3,352 |
| Average total loans | $128,045,000 | 2,924 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 1,766 |
| Cost of funding earning assets | 1.0941% | 505 |
| Net interest margin | 3.6225% | 3,302 |
| Noninterest income to average assets | 0.2606% | 4,371 |
| Noninterest expense to average assets | 2.2378% | 4,253 |
| Loan and lease loss provision to assets | 0.0126% | 3,890 |
| Net operating income to assets | 1.3654% | 1,553 |
| Return on assets (ROA) | 1.3767% | 1,501 |
| Pretax return on assets | 1.4471% | 1,961 |
| Return on Equity (ROE) | 12.8184% | 1,414 |
| Retained earnings to average equity (ytd only) | 5.7835% | 2,303 |
| Net charge-offs to loans | -0.0565% | 5,012 |
| Credit loss provision to net charge-offs | -29.8507% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7192% | 3,741 |
| Assets per employee ($millions) | 5.2286% | 2,231 |
| Cash dividends to net income (ytd only)* | 54.8814% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 2,971 |
| Loan loss allowance to noncurrent loans | 1,131.7460% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,443 |
| Noncurrent loans to loans | 0.0991% | 4,289 |
| Net loans and leases to total assets | 75.1207% | 1,753 |
| Net loans and leases to deposits | 87.5711% | 2,108 |
| Net loans and leases to core deposits | 111.9963% | 881 |
| Total domestic deposits to total assets | 85.7826% | 2,333 |
| Equity capital to assets | 10.4306% | 3,253 |
| Core capital (leverage) ratio | 11.1157% | 2,429 |
| Tier 1 risk-based capital ratio | 12.6721% | 4,035 |
| Total risk-based capital ratio | 13.6804% | 4,053 |
| Memoranda: | ||
| Average total assets | $159,220,200 | 3,292 |
| Average earning assets | $150,532,600 | 3,236 |
| Average equity | $17,100,400 | 3,386 |
| Average total loans | $118,624,000 | 3,010 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 1,678 |
| Cost of funding earning assets | 1.0374% | 507 |
| Net interest margin | 3.6628% | 3,157 |
| Noninterest income to average assets | 0.2545% | 4,447 |
| Noninterest expense to average assets | 2.0390% | 4,665 |
| Loan and lease loss provision to assets | 0.0170% | 3,673 |
| Net operating income to assets | 1.5874% | 985 |
| Return on assets (ROA) | 1.5963% | 973 |
| Pretax return on assets | 1.6726% | 1,338 |
| Return on Equity (ROE) | 14.7496% | 929 |
| Retained earnings to average equity (ytd only) | 8.0645% | 1,614 |
| Net charge-offs to loans | -0.0767% | 5,083 |
| Credit loss provision to net charge-offs | -29.8507% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8233% | 4,526 |
| Assets per employee ($millions) | 5.0688% | 2,375 |
| Cash dividends to net income (ytd only)* | 45.3239% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,786 |
| Loan loss allowance to noncurrent loans | 1,122.8346% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,579 |
| Noncurrent loans to loans | 0.1044% | 4,417 |
| Net loans and leases to total assets | 74.1430% | 1,960 |
| Net loans and leases to deposits | 89.2646% | 1,987 |
| Net loans and leases to core deposits | 114.8758% | 766 |
| Total domestic deposits to total assets | 83.0598% | 3,291 |
| Equity capital to assets | 10.5407% | 3,104 |
| Core capital (leverage) ratio | 11.1541% | 2,454 |
| Tier 1 risk-based capital ratio | 13.1579% | 3,809 |
| Total risk-based capital ratio | 14.2013% | 3,837 |
| Memoranda: | ||
| Average total assets | $157,196,250 | 3,343 |
| Average earning assets | $148,699,000 | 3,289 |
| Average equity | $17,012,500 | 3,418 |
| Average total loans | $116,501,250 | 3,060 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 1,729 |
| Cost of funding earning assets | 0.9625% | 552 |
| Net interest margin | 3.6547% | 3,097 |
| Noninterest income to average assets | 0.2482% | 4,521 |
| Noninterest expense to average assets | 1.9315% | 4,916 |
| Loan and lease loss provision to assets | 0.0257% | 3,405 |
| Net operating income to assets | 1.6835% | 748 |
| Return on assets (ROA) | 1.6884% | 747 |
| Pretax return on assets | 1.7630% | 1,061 |
| Return on Equity (ROE) | 15.4613% | 765 |
| Retained earnings to average equity (ytd only) | 8.3606% | 1,467 |
| Net charge-offs to loans | 0.0052% | 2,978 |
| Credit loss provision to net charge-offs | 666.6667% | 578 |
| Earnings coverage of net charge-offs (x) | 462.3333% | 195 |
| Efficiency ratio | 51.9903% | 4,893 |
| Assets per employee ($millions) | 4.9733% | 2,456 |
| Cash dividends to net income (ytd only)* | 45.9254% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,062 |
| Loan loss allowance to noncurrent loans | 409.6677% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 3,962 |
| Noncurrent loans to loans | 0.2773% | 3,713 |
| Net loans and leases to total assets | 74.1599% | 1,925 |
| Net loans and leases to deposits | 91.9002% | 1,599 |
| Net loans and leases to core deposits | 113.4828% | 817 |
| Total domestic deposits to total assets | 80.6961% | 4,077 |
| Equity capital to assets | 10.8009% | 2,834 |
| Core capital (leverage) ratio | 11.1887% | 2,357 |
| Tier 1 risk-based capital ratio | 13.2111% | 3,784 |
| Total risk-based capital ratio | 14.2265% | 3,827 |
| Memoranda: | ||
| Average total assets | $155,528,330 | 3,375 |
| Average earning assets | $147,536,670 | 3,326 |
| Average equity | $16,984,330 | 3,445 |
| Average total loans | $114,773,000 | 3,095 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,923 |
| Cost of funding earning assets | 0.8617% | 719 |
| Net interest margin | 3.6196% | 3,105 |
| Noninterest income to average assets | 0.2966% | 4,180 |
| Noninterest expense to average assets | 1.8033% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8634% | 497 |
| Return on assets (ROA) | 1.8735% | 486 |
| Pretax return on assets | 1.9360% | 666 |
| Return on Equity (ROE) | 17.0596% | 505 |
| Retained earnings to average equity (ytd only) | 8.6957% | 1,577 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3601% | 5,176 |
| Assets per employee ($millions) | 4.7774% | 2,760 |
| Cash dividends to net income (ytd only)* | 49.0278% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 2,967 |
| Loan loss allowance to noncurrent loans | 8,926.6667% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,082 |
| Noncurrent loans to loans | 0.0131% | 4,939 |
| Net loans and leases to total assets | 73.8572% | 1,878 |
| Net loans and leases to deposits | 90.4793% | 1,634 |
| Net loans and leases to core deposits | 103.8816% | 1,383 |
| Total domestic deposits to total assets | 81.6289% | 4,059 |
| Equity capital to assets | 10.9978% | 2,581 |
| Core capital (leverage) ratio | 11.4802% | 2,027 |
| Tier 1 risk-based capital ratio | 13.4622% | 3,680 |
| Total risk-based capital ratio | 14.5041% | 3,715 |
| Memoranda: | ||
| Average total assets | $153,720,500 | 3,427 |
| Average earning assets | $145,763,000 | 3,382 |
| Average equity | $16,882,000 | 3,488 |
| Average total loans | $112,471,000 | 3,154 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 1,886 |
| Cost of funding earning assets | 0.6602% | 1,245 |
| Net interest margin | 3.7885% | 2,468 |
| Noninterest income to average assets | 0.2578% | 4,593 |
| Noninterest expense to average assets | 2.1638% | 4,615 |
| Loan and lease loss provision to assets | 0.1015% | 2,197 |
| Net operating income to assets | 1.4809% | 844 |
| Return on assets (ROA) | 1.5028% | 814 |
| Pretax return on assets | 1.5799% | 1,349 |
| Return on Equity (ROE) | 13.4747% | 853 |
| Retained earnings to average equity (ytd only) | 6.7828% | 1,160 |
| Net charge-offs to loans | 0.0661% | 2,528 |
| Credit loss provision to net charge-offs | 214.2857% | 1,268 |
| Earnings coverage of net charge-offs (x) | 35.0143% | 1,374 |
| Efficiency ratio | 56.6118% | 4,700 |
| Assets per employee ($millions) | 4.8302% | 2,698 |
| Cash dividends to net income (ytd only)* | 49.6623% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,720 |
| Loan loss allowance to noncurrent loans | 11,158.3333% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 5,139 |
| Noncurrent loans to loans | 0.0108% | 4,989 |
| Net loans and leases to total assets | 70.7495% | 2,406 |
| Net loans and leases to deposits | 88.9476% | 1,899 |
| Net loans and leases to core deposits | 103.1758% | 1,477 |
| Total domestic deposits to total assets | 79.5406% | 4,437 |
| Equity capital to assets | 10.9669% | 2,658 |
| Core capital (leverage) ratio | 11.2826% | 2,106 |
| Tier 1 risk-based capital ratio | 13.4525% | 3,654 |
| Total risk-based capital ratio | 14.5178% | 3,682 |
| Memoranda: | ||
| Average total assets | $147,795,400 | 3,494 |
| Average earning assets | $139,052,800 | 3,468 |
| Average equity | $16,482,800 | 3,538 |
| Average total loans | $105,946,600 | 3,250 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 1,782 |
| Cost of funding earning assets | 0.6334% | 1,342 |
| Net interest margin | 3.8187% | 2,327 |
| Noninterest income to average assets | 0.2537% | 4,691 |
| Noninterest expense to average assets | 2.0469% | 4,856 |
| Loan and lease loss provision to assets | 0.0456% | 3,186 |
| Net operating income to assets | 1.6705% | 619 |
| Return on assets (ROA) | 1.6819% | 616 |
| Pretax return on assets | 1.7604% | 979 |
| Return on Equity (ROE) | 15.0147% | 650 |
| Retained earnings to average equity (ytd only) | 8.4728% | 1,026 |
| Net charge-offs to loans | -0.0127% | 4,712 |
| Credit loss provision to net charge-offs | -500.0000% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2906% | 4,985 |
| Assets per employee ($millions) | 4.6421% | 2,913 |
| Cash dividends to net income (ytd only)* | 43.5703% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,730 |
| Loan loss allowance to noncurrent loans | 1,465.5556% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 4,932 |
| Noncurrent loans to loans | 0.0841% | 4,735 |
| Net loans and leases to total assets | 71.1635% | 2,381 |
| Net loans and leases to deposits | 90.8304% | 1,711 |
| Net loans and leases to core deposits | 103.7898% | 1,401 |
| Total domestic deposits to total assets | 78.3477% | 4,659 |
| Equity capital to assets | 11.6858% | 2,202 |
| Core capital (leverage) ratio | 11.4161% | 2,085 |
| Tier 1 risk-based capital ratio | 14.0585% | 3,417 |
| Total risk-based capital ratio | 15.1620% | 3,416 |
| Memoranda: | ||
| Average total assets | $146,103,000 | 3,551 |
| Average earning assets | $137,252,500 | 3,518 |
| Average equity | $16,365,750 | 3,583 |
| Average total loans | $104,760,000 | 3,295 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 1,816 |
| Cost of funding earning assets | 0.5849% | 1,542 |
| Net interest margin | 3.8141% | 2,237 |
| Noninterest income to average assets | 0.2437% | 4,782 |
| Noninterest expense to average assets | 1.9726% | 5,029 |
| Loan and lease loss provision to assets | 0.0275% | 3,451 |
| Net operating income to assets | 1.7476% | 508 |
| Return on assets (ROA) | 1.7648% | 495 |
| Pretax return on assets | 1.8432% | 757 |
| Return on Equity (ROE) | 15.9904% | 530 |
| Retained earnings to average equity (ytd only) | 9.0928% | 813 |
| Net charge-offs to loans | -0.0192% | 4,770 |
| Credit loss provision to net charge-offs | -200.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5653% | 5,208 |
| Assets per employee ($millions) | 4.6123% | 2,924 |
| Cash dividends to net income (ytd only)* | 43.1357% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,958 |
| Loan loss allowance to noncurrent loans | 392.9878% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 4,264 |
| Noncurrent loans to loans | 0.3079% | 3,937 |
| Net loans and leases to total assets | 71.2967% | 2,318 |
| Net loans and leases to deposits | 89.9778% | 1,730 |
| Net loans and leases to core deposits | 104.1057% | 1,345 |
| Total domestic deposits to total assets | 79.2382% | 4,578 |
| Equity capital to assets | 11.4355% | 2,381 |
| Core capital (leverage) ratio | 11.3009% | 2,126 |
| Tier 1 risk-based capital ratio | 14.3193% | 3,256 |
| Total risk-based capital ratio | 15.4377% | 3,236 |
| Memoranda: | ||
| Average total assets | $145,288,000 | 3,578 |
| Average earning assets | $136,440,330 | 3,548 |
| Average equity | $16,034,670 | 3,637 |
| Average total loans | $104,003,000 | 3,320 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 2,018 |
| Cost of funding earning assets | 0.5285% | 1,871 |
| Net interest margin | 3.7500% | 2,310 |
| Noninterest income to average assets | 0.2331% | 4,875 |
| Noninterest expense to average assets | 1.8205% | 5,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8760% | 386 |
| Return on assets (ROA) | 1.8760% | 403 |
| Pretax return on assets | 1.9371% | 572 |
| Return on Equity (ROE) | 17.3189% | 388 |
| Retained earnings to average equity (ytd only) | 9.5561% | 912 |
| Net charge-offs to loans | -0.0389% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4490% | 5,448 |
| Assets per employee ($millions) | 4.6729% | 2,887 |
| Cash dividends to net income (ytd only)* | 44.8225% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.8729% | 2,094 |
| Net loans and leases to deposits | 90.9224% | 1,434 |
| Net loans and leases to core deposits | 102.4235% | 1,337 |
| Total domestic deposits to total assets | 79.0486% | 4,813 |
| Equity capital to assets | 10.6205% | 3,044 |
| Core capital (leverage) ratio | 11.5275% | 1,923 |
| Tier 1 risk-based capital ratio | 13.5272% | 3,763 |
| Total risk-based capital ratio | 14.5881% | 3,782 |
| Memoranda: | ||
| Average total assets | $144,135,500 | 3,630 |
| Average earning assets | $135,466,000 | 3,599 |
| Average equity | $15,613,000 | 3,706 |
| Average total loans | $102,745,500 | 3,369 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,015 |
| Cost of funding earning assets | 0.4783% | 2,271 |
| Net interest margin | 3.8612% | 2,096 |
| Noninterest income to average assets | 0.2518% | 4,916 |
| Noninterest expense to average assets | 2.4246% | 4,229 |
| Loan and lease loss provision to assets | 0.0766% | 2,825 |
| Net operating income to assets | 1.3023% | 1,207 |
| Return on assets (ROA) | 1.4736% | 902 |
| Pretax return on assets | 1.5488% | 1,432 |
| Return on Equity (ROE) | 12.8291% | 1,033 |
| Retained earnings to average equity (ytd only) | 5.8205% | 1,809 |
| Net charge-offs to loans | 0.1571% | 1,704 |
| Credit loss provision to net charge-offs | 69.0789% | 3,147 |
| Earnings coverage of net charge-offs (x) | 13.0263% | 2,402 |
| Efficiency ratio | 62.6556% | 4,156 |
| Assets per employee ($millions) | 4.3356% | 3,386 |
| Cash dividends to net income (ytd only)* | 54.6310% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.8271% | 2,645 |
| Net loans and leases to deposits | 80.3930% | 2,847 |
| Net loans and leases to core deposits | 89.2522% | 2,571 |
| Total domestic deposits to total assets | 85.6133% | 2,774 |
| Equity capital to assets | 11.0603% | 2,577 |
| Core capital (leverage) ratio | 11.7488% | 1,763 |
| Tier 1 risk-based capital ratio | 14.4146% | 3,230 |
| Total risk-based capital ratio | 15.5621% | 3,204 |
| Memoranda: | ||
| Average total assets | $137,010,200 | 3,715 |
| Average earning assets | $128,378,200 | 3,680 |
| Average equity | $15,737,600 | 3,729 |
| Average total loans | $96,733,200 | 3,448 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,006 |
| Cost of funding earning assets | 0.4785% | 2,281 |
| Net interest margin | 3.8693% | 2,086 |
| Noninterest income to average assets | 0.2460% | 5,002 |
| Noninterest expense to average assets | 2.2326% | 4,682 |
| Loan and lease loss provision to assets | 0.0488% | 3,270 |
| Net operating income to assets | 1.5286% | 828 |
| Return on assets (ROA) | 1.7601% | 559 |
| Pretax return on assets | 1.8372% | 826 |
| Return on Equity (ROE) | 15.1805% | 649 |
| Retained earnings to average equity (ytd only) | 8.4196% | 1,010 |
| Net charge-offs to loans | 0.1613% | 1,414 |
| Credit loss provision to net charge-offs | 42.7350% | 3,131 |
| Earnings coverage of net charge-offs (x) | 14.4013% | 2,244 |
| Efficiency ratio | 57.5780% | 4,878 |
| Assets per employee ($millions) | 4.1284% | 3,737 |
| Cash dividends to net income (ytd only)* | 44.5369% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,762 |
| Loan loss allowance to noncurrent loans | 291.5294% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 4,116 |
| Noncurrent loans to loans | 0.4412% | 3,700 |
| Net loans and leases to total assets | 71.9847% | 2,198 |
| Net loans and leases to deposits | 85.7822% | 2,288 |
| Net loans and leases to core deposits | 93.4257% | 2,240 |
| Total domestic deposits to total assets | 83.9157% | 3,235 |
| Equity capital to assets | 12.4661% | 1,801 |
| Core capital (leverage) ratio | 11.9929% | 1,684 |
| Tier 1 risk-based capital ratio | 14.7339% | 3,173 |
| Total risk-based capital ratio | 15.8858% | 3,163 |
| Memoranda: | ||
| Average total assets | $136,578,000 | 3,745 |
| Average earning assets | $128,185,250 | 3,700 |
| Average equity | $15,835,750 | 3,746 |
| Average total loans | $96,729,250 | 3,455 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,111 |
| Cost of funding earning assets | 0.4737% | 2,328 |
| Net interest margin | 3.8403% | 2,170 |
| Noninterest income to average assets | 0.2289% | 5,116 |
| Noninterest expense to average assets | 2.1497% | 4,950 |
| Loan and lease loss provision to assets | 0.0290% | 3,550 |
| Net operating income to assets | 1.5854% | 748 |
| Return on assets (ROA) | 1.8426% | 468 |
| Pretax return on assets | 1.9092% | 682 |
| Return on Equity (ROE) | 16.2819% | 501 |
| Retained earnings to average equity (ytd only) | 9.2034% | 798 |
| Net charge-offs to loans | 0.2416% | 975 |
| Credit loss provision to net charge-offs | 17.0940% | 2,953 |
| Earnings coverage of net charge-offs (x) | 9.8718% | 2,373 |
| Efficiency ratio | 56.2334% | 5,122 |
| Assets per employee ($millions) | 4.1113% | 3,720 |
| Cash dividends to net income (ytd only)* | 43.4748% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 3,194 |
| Loan loss allowance to noncurrent loans | 303.7688% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 4,328 |
| Noncurrent loans to loans | 0.4047% | 3,912 |
| Net loans and leases to total assets | 71.5984% | 2,230 |
| Net loans and leases to deposits | 86.9362% | 2,138 |
| Net loans and leases to core deposits | 94.6709% | 2,094 |
| Total domestic deposits to total assets | 82.3575% | 3,889 |
| Equity capital to assets | 11.9450% | 2,167 |
| Core capital (leverage) ratio | 11.3861% | 2,075 |
| Tier 1 risk-based capital ratio | 14.1246% | 3,536 |
| Total risk-based capital ratio | 15.2218% | 3,544 |
| Memoranda: | ||
| Average total assets | $138,067,330 | 3,748 |
| Average earning assets | $129,207,000 | 3,709 |
| Average equity | $15,624,670 | 3,785 |
| Average total loans | $96,859,670 | 3,466 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,372 |
| Cost of funding earning assets | 0.4686% | 2,380 |
| Net interest margin | 3.7613% | 2,433 |
| Noninterest income to average assets | 0.2298% | 5,096 |
| Noninterest expense to average assets | 1.9876% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6967% | 583 |
| Return on assets (ROA) | 1.9502% | 388 |
| Pretax return on assets | 2.0077% | 553 |
| Return on Equity (ROE) | 17.7123% | 383 |
| Retained earnings to average equity (ytd only) | 9.8083% | 895 |
| Net charge-offs to loans | -0.0458% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2308% | 5,443 |
| Assets per employee ($millions) | 3.9806% | 3,981 |
| Cash dividends to net income (ytd only)* | 44.6244% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 2,442 |
| Loan loss allowance to noncurrent loans | 259.7633% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 4,083 |
| Noncurrent loans to loans | 0.5377% | 3,573 |
| Net loans and leases to total assets | 68.6909% | 2,544 |
| Net loans and leases to deposits | 80.7622% | 2,698 |
| Net loans and leases to core deposits | 87.7345% | 2,589 |
| Total domestic deposits to total assets | 85.0533% | 3,113 |
| Equity capital to assets | 11.4947% | 2,446 |
| Core capital (leverage) ratio | 11.2260% | 2,205 |
| Tier 1 risk-based capital ratio | 14.8961% | 3,200 |
| Total risk-based capital ratio | 16.1465% | 3,140 |
| Memoranda: | ||
| Average total assets | $139,265,000 | 3,763 |
| Average earning assets | $129,743,000 | 3,719 |
| Average equity | $15,334,000 | 3,831 |
| Average total loans | $96,115,500 | 3,493 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 2,639 |
| Cost of funding earning assets | 0.4818% | 2,342 |
| Net interest margin | 3.6945% | 2,765 |
| Noninterest income to average assets | 0.2644% | 4,986 |
| Noninterest expense to average assets | 2.2179% | 5,016 |
| Loan and lease loss provision to assets | 0.2364% | 818 |
| Net operating income to assets | 1.1877% | 1,597 |
| Return on assets (ROA) | 1.3809% | 1,120 |
| Pretax return on assets | 1.4513% | 1,717 |
| Return on Equity (ROE) | 13.0266% | 1,055 |
| Retained earnings to average equity (ytd only) | 5.5509% | 2,050 |
| Net charge-offs to loans | 0.6813% | 351 |
| Credit loss provision to net charge-offs | 50.6934% | 3,391 |
| Earnings coverage of net charge-offs (x) | 3.1834% | 3,759 |
| Efficiency ratio | 59.9069% | 4,918 |
| Assets per employee ($millions) | 3.9775% | 3,983 |
| Cash dividends to net income (ytd only)* | 57.3881% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 2,741 |
| Loan loss allowance to noncurrent loans | 162.2360% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 3,404 |
| Noncurrent loans to loans | 0.8219% | 2,731 |
| Net loans and leases to total assets | 67.4919% | 2,787 |
| Net loans and leases to deposits | 78.2956% | 3,020 |
| Net loans and leases to core deposits | 85.0331% | 2,876 |
| Total domestic deposits to total assets | 86.2015% | 2,539 |
| Equity capital to assets | 10.5532% | 3,301 |
| Core capital (leverage) ratio | 10.6422% | 2,783 |
| Tier 1 risk-based capital ratio | 13.8067% | 3,823 |
| Total risk-based capital ratio | 15.0198% | 3,778 |
| Memoranda: | ||
| Average total assets | $139,184,800 | 3,735 |
| Average earning assets | $129,518,200 | 3,711 |
| Average equity | $14,754,400 | 3,873 |
| Average total loans | $95,262,600 | 3,470 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 2,526 |
| Cost of funding earning assets | 0.4831% | 2,378 |
| Net interest margin | 3.7314% | 2,640 |
| Noninterest income to average assets | 0.2383% | 5,227 |
| Noninterest expense to average assets | 2.1353% | 5,202 |
| Loan and lease loss provision to assets | 0.2981% | 496 |
| Net operating income to assets | 1.2347% | 1,541 |
| Return on assets (ROA) | 1.4811% | 984 |
| Pretax return on assets | 1.5419% | 1,563 |
| Return on Equity (ROE) | 13.9556% | 920 |
| Retained earnings to average equity (ytd only) | 6.6551% | 1,861 |
| Net charge-offs to loans | 0.7245% | 292 |
| Credit loss provision to net charge-offs | 60.1167% | 2,906 |
| Earnings coverage of net charge-offs (x) | 3.1926% | 3,543 |
| Efficiency ratio | 57.4209% | 5,190 |
| Assets per employee ($millions) | 3.8057% | 4,255 |
| Cash dividends to net income (ytd only)* | 52.3126% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 2,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.9383% | 2,395 |
| Net loans and leases to deposits | 81.5557% | 2,699 |
| Net loans and leases to core deposits | 88.6622% | 2,590 |
| Total domestic deposits to total assets | 85.7553% | 2,664 |
| Equity capital to assets | 10.8084% | 3,228 |
| Core capital (leverage) ratio | 10.8021% | 2,712 |
| Tier 1 risk-based capital ratio | 14.0350% | 3,822 |
| Total risk-based capital ratio | 15.2858% | 3,771 |
| Memoranda: | ||
| Average total assets | $138,183,750 | 3,785 |
| Average earning assets | $128,884,750 | 3,757 |
| Average equity | $14,665,250 | 3,923 |
| Average total loans | $94,591,500 | 3,518 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 2,803 |
| Cost of funding earning assets | 0.4759% | 2,466 |
| Net interest margin | 3.6493% | 2,909 |
| Noninterest income to average assets | 0.2237% | 5,365 |
| Noninterest expense to average assets | 2.0119% | 5,507 |
| Loan and lease loss provision to assets | 0.4027% | 288 |
| Net operating income to assets | 1.1656% | 1,721 |
| Return on assets (ROA) | 1.5342% | 890 |
| Pretax return on assets | 1.5905% | 1,353 |
| Return on Equity (ROE) | 14.5440% | 812 |
| Retained earnings to average equity (ytd only) | 6.9779% | 1,713 |
| Net charge-offs to loans | 1.0501% | 194 |
| Credit loss provision to net charge-offs | 56.7073% | 2,630 |
| Earnings coverage of net charge-offs (x) | 2.2663% | 3,377 |
| Efficiency ratio | 55.5600% | 5,468 |
| Assets per employee ($millions) | 3.7928% | 4,266 |
| Cash dividends to net income (ytd only)* | 52.0226% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 2,473 |
| Loan loss allowance to noncurrent loans | 2,018.5714% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,650 |
| Noncurrent loans to loans | 0.0722% | 5,441 |
| Net loans and leases to total assets | 69.9944% | 2,314 |
| Net loans and leases to deposits | 81.3453% | 2,632 |
| Net loans and leases to core deposits | 87.7160% | 2,581 |
| Total domestic deposits to total assets | 86.0459% | 2,673 |
| Equity capital to assets | 10.5551% | 3,382 |
| Core capital (leverage) ratio | 10.5750% | 2,869 |
| Tier 1 risk-based capital ratio | 13.7994% | 4,032 |
| Total risk-based capital ratio | 15.0509% | 3,967 |
| Memoranda: | ||
| Average total assets | $138,576,670 | 3,807 |
| Average earning assets | $129,010,670 | 3,772 |
| Average equity | $14,617,670 | 3,946 |
| Average total loans | $93,708,670 | 3,560 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 3,956 |
| Cost of funding earning assets | 0.4613% | 2,664 |
| Net interest margin | 3.3521% | 4,015 |
| Noninterest income to average assets | 0.2034% | 5,498 |
| Noninterest expense to average assets | 1.8024% | 5,897 |
| Loan and lease loss provision to assets | 0.7135% | 124 |
| Net operating income to assets | 0.8009% | 3,253 |
| Return on assets (ROA) | 1.5072% | 888 |
| Pretax return on assets | 1.5244% | 1,482 |
| Return on Equity (ROE) | 14.2930% | 822 |
| Retained earnings to average equity (ytd only) | 6.0596% | 2,464 |
| Net charge-offs to loans | 2.1375% | 82 |
| Credit loss provision to net charge-offs | 50.6098% | 2,092 |
| Earnings coverage of net charge-offs (x) | 1.0813% | 2,970 |
| Efficiency ratio | 54.1774% | 5,667 |
| Assets per employee ($millions) | 3.9426% | 4,076 |
| Cash dividends to net income (ytd only)* | 57.6046% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 2,566 |
| Loan loss allowance to noncurrent loans | 940.8163% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 5,537 |
| Noncurrent loans to loans | 0.1566% | 5,214 |
| Net loans and leases to total assets | 65.1723% | 2,904 |
| Net loans and leases to deposits | 79.6166% | 2,604 |
| Net loans and leases to core deposits | 86.2239% | 2,519 |
| Total domestic deposits to total assets | 81.8576% | 4,545 |
| Equity capital to assets | 10.3993% | 3,649 |
| Core capital (leverage) ratio | 10.7225% | 2,724 |
| Tier 1 risk-based capital ratio | 13.7583% | 4,179 |
| Total risk-based capital ratio | 15.0907% | 4,046 |
| Memoranda: | ||
| Average total assets | $139,594,500 | 3,818 |
| Average earning assets | $130,066,000 | 3,775 |
| Average equity | $14,720,500 | 3,960 |
| Average total loans | $92,071,000 | 3,611 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 2,331 |
| Cost of funding earning assets | 0.5261% | 2,424 |
| Net interest margin | 3.8416% | 2,460 |
| Noninterest income to average assets | 0.2585% | 5,279 |
| Noninterest expense to average assets | 2.2501% | 5,241 |
| Loan and lease loss provision to assets | 0.1289% | 2,033 |
| Net operating income to assets | 1.4108% | 1,061 |
| Return on assets (ROA) | 1.5430% | 838 |
| Pretax return on assets | 1.6219% | 1,174 |
| Return on Equity (ROE) | 14.9234% | 791 |
| Retained earnings to average equity (ytd only) | 6.3326% | 1,743 |
| Net charge-offs to loans | 0.0740% | 3,431 |
| Credit loss provision to net charge-offs | 265.1515% | 968 |
| Earnings coverage of net charge-offs (x) | 33.1515% | 1,246 |
| Efficiency ratio | 57.3717% | 5,525 |
| Assets per employee ($millions) | 3.8127% | 4,321 |
| Cash dividends to net income (ytd only)* | 57.5656% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 1,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 64.5742% | 3,131 |
| Net loans and leases to deposits | 77.8170% | 2,992 |
| Net loans and leases to core deposits | 84.2774% | 2,866 |
| Total domestic deposits to total assets | 82.9822% | 4,084 |
| Equity capital to assets | 10.6961% | 3,244 |
| Core capital (leverage) ratio | 10.4207% | 3,039 |
| Tier 1 risk-based capital ratio | 12.7333% | 4,901 |
| Total risk-based capital ratio | 13.9860% | 4,805 |
| Memoranda: | ||
| Average total assets | $135,770,600 | 3,878 |
| Average earning assets | $127,341,600 | 3,817 |
| Average equity | $14,038,400 | 4,014 |
| Average total loans | $89,246,600 | 3,646 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 2,320 |
| Cost of funding earning assets | 0.5369% | 2,400 |
| Net interest margin | 3.8391% | 2,482 |
| Noninterest income to average assets | 0.2422% | 5,472 |
| Noninterest expense to average assets | 2.0403% | 5,698 |
| Loan and lease loss provision to assets | 0.0689% | 2,967 |
| Net operating income to assets | 1.6604% | 665 |
| Return on assets (ROA) | 1.7823% | 541 |
| Pretax return on assets | 1.8582% | 784 |
| Return on Equity (ROE) | 17.3895% | 509 |
| Retained earnings to average equity (ytd only) | 9.1751% | 933 |
| Net charge-offs to loans | 0.0989% | 2,814 |
| Credit loss provision to net charge-offs | 106.0606% | 2,095 |
| Earnings coverage of net charge-offs (x) | 27.6963% | 1,440 |
| Efficiency ratio | 53.1282% | 5,910 |
| Assets per employee ($millions) | 3.8427% | 4,208 |
| Cash dividends to net income (ytd only)* | 47.2376% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 2,134 |
| Loan loss allowance to noncurrent loans | 369.1748% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 5,041 |
| Noncurrent loans to loans | 0.4471% | 4,558 |
| Net loans and leases to total assets | 67.3842% | 2,634 |
| Net loans and leases to deposits | 79.7418% | 2,730 |
| Net loans and leases to core deposits | 87.0872% | 2,532 |
| Total domestic deposits to total assets | 84.5029% | 3,548 |
| Equity capital to assets | 10.9803% | 2,977 |
| Core capital (leverage) ratio | 10.4012% | 3,154 |
| Tier 1 risk-based capital ratio | 12.6297% | 5,076 |
| Total risk-based capital ratio | 13.8807% | 4,999 |
| Memoranda: | ||
| Average total assets | $135,399,250 | 3,912 |
| Average earning assets | $126,900,750 | 3,854 |
| Average equity | $13,877,750 | 4,062 |
| Average total loans | $88,993,750 | 3,684 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 2,529 |
| Cost of funding earning assets | 0.5373% | 2,465 |
| Net interest margin | 3.7801% | 2,635 |
| Noninterest income to average assets | 0.2461% | 5,438 |
| Noninterest expense to average assets | 1.9602% | 5,894 |
| Loan and lease loss provision to assets | 0.0590% | 3,095 |
| Net operating income to assets | 1.6954% | 581 |
| Return on assets (ROA) | 1.7067% | 591 |
| Pretax return on assets | 1.7745% | 888 |
| Return on Equity (ROE) | 17.0532% | 546 |
| Retained earnings to average equity (ytd only) | 8.1732% | 1,261 |
| Net charge-offs to loans | 0.1615% | 2,102 |
| Credit loss provision to net charge-offs | 56.3380% | 2,693 |
| Earnings coverage of net charge-offs (x) | 17.4085% | 1,735 |
| Efficiency ratio | 51.8316% | 6,080 |
| Assets per employee ($millions) | 4.1219% | 3,608 |
| Cash dividends to net income (ytd only)* | 52.0725% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 2,221 |
| Loan loss allowance to noncurrent loans | 380.0512% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 5,218 |
| Noncurrent loans to loans | 0.4399% | 4,665 |
| Net loans and leases to total assets | 64.2528% | 3,034 |
| Net loans and leases to deposits | 77.2347% | 2,896 |
| Net loans and leases to core deposits | 83.3855% | 2,803 |
| Total domestic deposits to total assets | 83.1917% | 4,226 |
| Equity capital to assets | 10.5608% | 3,367 |
| Core capital (leverage) ratio | 10.1938% | 3,349 |
| Tier 1 risk-based capital ratio | 12.5392% | 5,206 |
| Total risk-based capital ratio | 13.7901% | 5,129 |
| Memoranda: | ||
| Average total assets | $135,700,330 | 3,926 |
| Average earning assets | $126,929,330 | 3,877 |
| Average equity | $13,581,000 | 4,120 |
| Average total loans | $87,941,670 | 3,715 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 2,684 |
| Cost of funding earning assets | 0.5406% | 2,496 |
| Net interest margin | 3.7114% | 2,817 |
| Noninterest income to average assets | 0.2597% | 5,279 |
| Noninterest expense to average assets | 1.9330% | 6,003 |
| Loan and lease loss provision to assets | 0.0295% | 3,437 |
| Net operating income to assets | 1.7058% | 570 |
| Return on assets (ROA) | 1.7058% | 585 |
| Pretax return on assets | 1.7618% | 855 |
| Return on Equity (ROE) | 17.5298% | 480 |
| Retained earnings to average equity (ytd only) | 6.7935% | 2,148 |
| Net charge-offs to loans | 0.3247% | 1,093 |
| Credit loss provision to net charge-offs | 14.0845% | 2,571 |
| Earnings coverage of net charge-offs (x) | 8.5493% | 2,011 |
| Efficiency ratio | 51.9017% | 6,144 |
| Assets per employee ($millions) | 4.1405% | 3,641 |
| Cash dividends to net income (ytd only)* | 61.2457% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 2,446 |
| Loan loss allowance to noncurrent loans | 1,078.5185% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 5,950 |
| Noncurrent loans to loans | 0.1547% | 5,618 |
| Net loans and leases to total assets | 62.8056% | 3,104 |
| Net loans and leases to deposits | 72.4905% | 3,272 |
| Net loans and leases to core deposits | 78.8654% | 3,106 |
| Total domestic deposits to total assets | 86.6397% | 3,019 |
| Equity capital to assets | 9.9220% | 3,937 |
| Core capital (leverage) ratio | 9.9750% | 3,603 |
| Tier 1 risk-based capital ratio | 12.3866% | 5,379 |
| Total risk-based capital ratio | 13.6379% | 5,317 |
| Memoranda: | ||
| Average total assets | $135,539,500 | 3,970 |
| Average earning assets | $126,530,500 | 3,914 |
| Average equity | $13,189,000 | 4,202 |
| Average total loans | $87,470,500 | 3,763 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,898 |
| Cost of funding earning assets | 0.6238% | 2,446 |
| Net interest margin | 3.6913% | 3,090 |
| Noninterest income to average assets | 0.2396% | 5,634 |
| Noninterest expense to average assets | 2.0373% | 5,951 |
| Loan and lease loss provision to assets | 0.0861% | 3,390 |
| Net operating income to assets | 1.4916% | 840 |
| Return on assets (ROA) | 1.6169% | 681 |
| Pretax return on assets | 1.6994% | 955 |
| Return on Equity (ROE) | 17.2469% | 484 |
| Retained earnings to average equity (ytd only) | 8.0419% | 1,043 |
| Net charge-offs to loans | -0.0036% | 5,895 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1992% | 6,030 |
| Assets per employee ($millions) | 3.9542% | 3,958 |
| Cash dividends to net income (ytd only)* | 53.3718% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 2,303 |
| Loan loss allowance to noncurrent loans | 4,893.5484% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 6,302 |
| Noncurrent loans to loans | 0.0354% | 6,147 |
| Net loans and leases to total assets | 64.0814% | 3,033 |
| Net loans and leases to deposits | 73.9619% | 3,261 |
| Net loans and leases to core deposits | 79.5026% | 3,190 |
| Total domestic deposits to total assets | 86.6412% | 2,916 |
| Equity capital to assets | 9.5364% | 4,369 |
| Core capital (leverage) ratio | 9.4992% | 4,268 |
| Tier 1 risk-based capital ratio | 11.9741% | 5,630 |
| Total risk-based capital ratio | 13.2025% | 5,583 |
| Memoranda: | ||
| Average total assets | $139,398,400 | 3,883 |
| Average earning assets | $130,333,400 | 3,840 |
| Average equity | $13,069,000 | 4,252 |
| Average total loans | $84,301,600 | 3,817 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 3,212 |
| Cost of funding earning assets | 0.6357% | 2,501 |
| Net interest margin | 3.6123% | 3,391 |
| Noninterest income to average assets | 0.2209% | 5,844 |
| Noninterest expense to average assets | 1.8221% | 6,313 |
| Loan and lease loss provision to assets | 0.0284% | 4,441 |
| Net operating income to assets | 1.6705% | 655 |
| Return on assets (ROA) | 1.8544% | 485 |
| Pretax return on assets | 1.9397% | 665 |
| Return on Equity (ROE) | 19.8609% | 307 |
| Retained earnings to average equity (ytd only) | 11.1997% | 537 |
| Net charge-offs to loans | -0.0096% | 5,881 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6322% | 6,358 |
| Assets per employee ($millions) | 4.2123% | 3,396 |
| Cash dividends to net income (ytd only)* | 43.6093% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 3,228 |
| Loan loss allowance to noncurrent loans | 4,766.6667% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 6,429 |
| Noncurrent loans to loans | 0.0325% | 6,244 |
| Net loans and leases to total assets | 63.4166% | 3,095 |
| Net loans and leases to deposits | 77.3510% | 2,767 |
| Net loans and leases to core deposits | 82.6078% | 2,820 |
| Total domestic deposits to total assets | 81.9855% | 4,937 |
| Equity capital to assets | 9.0938% | 5,068 |
| Core capital (leverage) ratio | 9.5617% | 4,311 |
| Tier 1 risk-based capital ratio | 11.4285% | 6,090 |
| Total risk-based capital ratio | 12.6692% | 6,058 |
| Memoranda: | ||
| Average total assets | $140,637,250 | 3,905 |
| Average earning assets | $131,508,750 | 3,849 |
| Average equity | $13,131,000 | 4,287 |
| Average total loans | $83,459,500 | 3,870 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2073% | 3,341 |
| Cost of funding earning assets | 0.6574% | 2,435 |
| Net interest margin | 3.5499% | 3,562 |
| Noninterest income to average assets | 0.2289% | 5,808 |
| Noninterest expense to average assets | 1.7356% | 6,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7359% | 590 |
| Return on assets (ROA) | 1.9832% | 392 |
| Pretax return on assets | 2.0733% | 522 |
| Return on Equity (ROE) | 21.0532% | 245 |
| Retained earnings to average equity (ytd only) | 11.8937% | 515 |
| Net charge-offs to loans | -0.0621% | 6,343 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8719% | 6,491 |
| Assets per employee ($millions) | 3.9704% | 3,871 |
| Cash dividends to net income (ytd only)* | 43.5065% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 2,948 |
| Loan loss allowance to noncurrent loans | 4,577.4194% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 6,469 |
| Noncurrent loans to loans | 0.0362% | 6,294 |
| Net loans and leases to total assets | 62.3690% | 3,226 |
| Net loans and leases to deposits | 72.1255% | 3,430 |
| Net loans and leases to core deposits | 76.8609% | 3,447 |
| Total domestic deposits to total assets | 86.4728% | 3,125 |
| Equity capital to assets | 9.1900% | 5,003 |
| Core capital (leverage) ratio | 9.2412% | 4,635 |
| Tier 1 risk-based capital ratio | 11.9601% | 5,811 |
| Total risk-based capital ratio | 13.2107% | 5,763 |
| Memoranda: | ||
| Average total assets | $139,777,000 | 3,954 |
| Average earning assets | $130,821,330 | 3,890 |
| Average equity | $13,166,670 | 4,308 |
| Average total loans | $80,528,000 | 3,969 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 3,686 |
| Cost of funding earning assets | 0.6789% | 2,402 |
| Net interest margin | 3.4308% | 4,006 |
| Noninterest income to average assets | 0.1970% | 6,068 |
| Noninterest expense to average assets | 1.5897% | 6,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7308% | 539 |
| Return on assets (ROA) | 2.0173% | 361 |
| Pretax return on assets | 2.0877% | 505 |
| Return on Equity (ROE) | 21.1707% | 228 |
| Retained earnings to average equity (ytd only) | 10.7478% | 929 |
| Net charge-offs to loans | -0.1282% | 6,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0050% | 6,653 |
| Assets per employee ($millions) | 4.3253% | 3,290 |
| Cash dividends to net income (ytd only)* | 49.2329% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,566 |
| Loan loss allowance to noncurrent loans | 333.0986% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 5,673 |
| Noncurrent loans to loans | 0.5451% | 5,080 |
| Net loans and leases to total assets | 53.7531% | 4,456 |
| Net loans and leases to deposits | 61.6790% | 4,598 |
| Net loans and leases to core deposits | 65.0355% | 4,647 |
| Total domestic deposits to total assets | 87.1497% | 2,865 |
| Equity capital to assets | 9.4888% | 4,865 |
| Core capital (leverage) ratio | 8.9556% | 4,958 |
| Tier 1 risk-based capital ratio | 12.2568% | 5,752 |
| Total risk-based capital ratio | 13.5086% | 5,704 |
| Memoranda: | ||
| Average total assets | $142,168,000 | 3,948 |
| Average earning assets | $131,981,500 | 3,902 |
| Average equity | $13,547,000 | 4,279 |
| Average total loans | $77,985,000 | 4,067 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 3,889 |
| Cost of funding earning assets | 0.8826% | 2,055 |
| Net interest margin | 3.4989% | 4,509 |
| Noninterest income to average assets | 0.2583% | 5,617 |
| Noninterest expense to average assets | 2.0565% | 6,220 |
| Loan and lease loss provision to assets | 0.0863% | 4,620 |
| Net operating income to assets | 1.3273% | 1,241 |
| Return on assets (ROA) | 1.6082% | 822 |
| Pretax return on assets | 1.6917% | 1,155 |
| Return on Equity (ROE) | 16.8845% | 550 |
| Retained earnings to average equity (ytd only) | 8.5518% | 952 |
| Net charge-offs to loans | -0.0368% | 6,649 |
| Credit loss provision to net charge-offs | -428.5714% | 6,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1131% | 5,814 |
| Assets per employee ($millions) | 4.1647% | 3,625 |
| Cash dividends to net income (ytd only)* | 49.3512% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 2,614 |
| Loan loss allowance to noncurrent loans | 326.4637% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 5,774 |
| Noncurrent loans to loans | 0.5487% | 5,156 |
| Net loans and leases to total assets | 53.9774% | 4,623 |
| Net loans and leases to deposits | 62.5328% | 4,722 |
| Net loans and leases to core deposits | 65.9357% | 4,742 |
| Total domestic deposits to total assets | 86.3185% | 3,192 |
| Equity capital to assets | 9.5692% | 4,795 |
| Core capital (leverage) ratio | 8.5242% | 5,577 |
| Tier 1 risk-based capital ratio | 11.7258% | 5,939 |
| Total risk-based capital ratio | 12.9770% | 5,913 |
| Memoranda: | ||
| Average total assets | $138,974,600 | 3,968 |
| Average earning assets | $130,299,200 | 3,886 |
| Average equity | $13,237,000 | 4,309 |
| Average total loans | $76,099,400 | 4,149 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 3,894 |
| Cost of funding earning assets | 0.9097% | 2,108 |
| Net interest margin | 3.5269% | 4,538 |
| Noninterest income to average assets | 0.2352% | 5,867 |
| Noninterest expense to average assets | 1.7553% | 6,730 |
| Loan and lease loss provision to assets | 0.0289% | 5,420 |
| Net operating income to assets | 1.6816% | 715 |
| Return on assets (ROA) | 2.0580% | 396 |
| Pretax return on assets | 2.1583% | 518 |
| Return on Equity (ROE) | 21.6328% | 255 |
| Retained earnings to average equity (ytd only) | 14.5198% | 267 |
| Net charge-offs to loans | -0.0317% | 6,590 |
| Credit loss provision to net charge-offs | -166.6667% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4971% | 6,624 |
| Assets per employee ($millions) | 4.4692% | 2,964 |
| Cash dividends to net income (ytd only)* | 32.8806% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 3,395 |
| Loan loss allowance to noncurrent loans | 306.6351% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 5,963 |
| Noncurrent loans to loans | 0.5331% | 5,377 |
| Net loans and leases to total assets | 54.4482% | 4,678 |
| Net loans and leases to deposits | 62.7593% | 4,881 |
| Net loans and leases to core deposits | 66.0649% | 4,946 |
| Total domestic deposits to total assets | 86.7571% | 2,823 |
| Equity capital to assets | 9.7977% | 4,786 |
| Core capital (leverage) ratio | 8.9699% | 5,105 |
| Tier 1 risk-based capital ratio | 11.8870% | 6,002 |
| Total risk-based capital ratio | 13.1140% | 5,999 |
| Memoranda: | ||
| Average total assets | $138,318,250 | 4,017 |
| Average earning assets | $129,856,000 | 3,944 |
| Average equity | $13,158,750 | 4,366 |
| Average total loans | $75,667,750 | 4,207 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 4,045 |
| Cost of funding earning assets | 0.9414% | 2,107 |
| Net interest margin | 3.4928% | 4,700 |
| Noninterest income to average assets | 0.2486% | 5,800 |
| Noninterest expense to average assets | 1.6819% | 6,854 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7430% | 617 |
| Return on assets (ROA) | 2.2888% | 275 |
| Pretax return on assets | 2.4248% | 333 |
| Return on Equity (ROE) | 24.3119% | 169 |
| Retained earnings to average equity (ytd only) | 16.5135% | 204 |
| Net charge-offs to loans | -0.0349% | 6,568 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6981% | 6,796 |
| Assets per employee ($millions) | 4.2576% | 3,344 |
| Cash dividends to net income (ytd only)* | 32.0767% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,481 |
| Loan loss allowance to noncurrent loans | 246.8627% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 5,848 |
| Noncurrent loans to loans | 0.6624% | 5,180 |
| Net loans and leases to total assets | 55.5849% | 4,530 |
| Net loans and leases to deposits | 64.1725% | 4,744 |
| Net loans and leases to core deposits | 67.6759% | 4,829 |
| Total domestic deposits to total assets | 86.6179% | 3,002 |
| Equity capital to assets | 9.8002% | 4,627 |
| Core capital (leverage) ratio | 8.7367% | 5,317 |
| Tier 1 risk-based capital ratio | 11.8576% | 6,025 |
| Total risk-based capital ratio | 13.1014% | 5,996 |
| Memoranda: | ||
| Average total assets | $136,753,330 | 4,057 |
| Average earning assets | $128,320,330 | 3,992 |
| Average equity | $12,874,330 | 4,417 |
| Average total loans | $74,503,000 | 4,263 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 4,304 |
| Cost of funding earning assets | 0.9661% | 2,187 |
| Net interest margin | 3.4407% | 4,951 |
| Noninterest income to average assets | 0.2336% | 5,956 |
| Noninterest expense to average assets | 1.5765% | 6,999 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7968% | 600 |
| Return on assets (ROA) | 2.5429% | 205 |
| Pretax return on assets | 2.6655% | 270 |
| Return on Equity (ROE) | 27.5731% | 134 |
| Retained earnings to average equity (ytd only) | 18.0444% | 252 |
| Net charge-offs to loans | -0.0491% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6081% | 6,920 |
| Assets per employee ($millions) | 4.3012% | 3,393 |
| Cash dividends to net income (ytd only)* | 34.5580% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 3,088 |
| Loan loss allowance to noncurrent loans | 296.6903% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 5,739 |
| Noncurrent loans to loans | 0.5969% | 5,466 |
| Net loans and leases to total assets | 50.5758% | 5,223 |
| Net loans and leases to deposits | 58.0435% | 5,373 |
| Net loans and leases to core deposits | 61.7480% | 5,349 |
| Total domestic deposits to total assets | 87.1343% | 2,876 |
| Equity capital to assets | 9.3463% | 5,034 |
| Core capital (leverage) ratio | 8.6685% | 5,353 |
| Tier 1 risk-based capital ratio | 11.9223% | 6,011 |
| Total risk-based capital ratio | 13.1696% | 6,013 |
| Memoranda: | ||
| Average total assets | $137,009,000 | 4,090 |
| Average earning assets | $128,346,500 | 4,016 |
| Average equity | $12,635,500 | 4,477 |
| Average total loans | $73,260,000 | 4,338 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 2,928 |
| Cost of funding earning assets | 1.2143% | 1,935 |
| Net interest margin | 3.7748% | 3,954 |
| Noninterest income to average assets | 0.3277% | 5,199 |
| Noninterest expense to average assets | 2.2726% | 6,109 |
| Loan and lease loss provision to assets | 0.1414% | 4,846 |
| Net operating income to assets | 1.3719% | 1,079 |
| Return on assets (ROA) | 1.4891% | 921 |
| Pretax return on assets | 1.5646% | 1,292 |
| Return on Equity (ROE) | 16.8501% | 487 |
| Retained earnings to average equity (ytd only) | 8.3762% | 962 |
| Net charge-offs to loans | 0.0641% | 5,659 |
| Credit loss provision to net charge-offs | 391.3043% | 596 |
| Earnings coverage of net charge-offs (x) | 43.7826% | 626 |
| Efficiency ratio | 58.9482% | 5,907 |
| Assets per employee ($millions) | 4.3994% | 3,065 |
| Cash dividends to net income (ytd only)* | 50.2902% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 3,390 |
| Loan loss allowance to noncurrent loans | 635.7143% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 6,599 |
| Noncurrent loans to loans | 0.2591% | 6,208 |
| Net loans and leases to total assets | 54.5589% | 4,940 |
| Net loans and leases to deposits | 62.7317% | 5,150 |
| Net loans and leases to core deposits | 66.5784% | 5,201 |
| Total domestic deposits to total assets | 86.9718% | 2,776 |
| Equity capital to assets | 9.0973% | 5,413 |
| Core capital (leverage) ratio | 8.1784% | 6,038 |
| Tier 1 risk-based capital ratio | 10.7351% | 6,589 |
| Total risk-based capital ratio | 11.9579% | 6,572 |
| Memoranda: | ||
| Average total assets | $127,254,200 | 4,224 |
| Average earning assets | $118,919,000 | 4,160 |
| Average equity | $11,246,200 | 4,730 |
| Average total loans | $71,776,200 | 4,419 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 2,618 |
| Cost of funding earning assets | 1.2502% | 1,997 |
| Net interest margin | 3.8467% | 3,631 |
| Noninterest income to average assets | 0.2518% | 5,817 |
| Noninterest expense to average assets | 2.0068% | 6,675 |
| Loan and lease loss provision to assets | 0.0960% | 5,259 |
| Net operating income to assets | 1.6618% | 693 |
| Return on assets (ROA) | 1.8073% | 555 |
| Pretax return on assets | 1.8916% | 794 |
| Return on Equity (ROE) | 20.6153% | 275 |
| Retained earnings to average equity (ytd only) | 12.6807% | 412 |
| Net charge-offs to loans | 0.0188% | 5,893 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 172.1388% | 226 |
| Efficiency ratio | 52.2210% | 6,655 |
| Assets per employee ($millions) | 4.2788% | 3,314 |
| Cash dividends to net income (ytd only)* | 38.4887% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 3,636 |
| Loan loss allowance to noncurrent loans | 1,027.5862% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 6,839 |
| Noncurrent loans to loans | 0.1563% | 6,558 |
| Net loans and leases to total assets | 55.0633% | 4,990 |
| Net loans and leases to deposits | 63.5967% | 5,224 |
| Net loans and leases to core deposits | 67.7825% | 5,201 |
| Total domestic deposits to total assets | 86.5819% | 2,887 |
| Equity capital to assets | 9.3439% | 5,309 |
| Core capital (leverage) ratio | 8.5301% | 5,666 |
| Tier 1 risk-based capital ratio | 11.0126% | 6,533 |
| Total risk-based capital ratio | 12.2017% | 6,545 |
| Memoranda: | ||
| Average total assets | $124,972,500 | 4,298 |
| Average earning assets | $116,670,000 | 4,233 |
| Average equity | $10,956,000 | 4,813 |
| Average total loans | $70,806,750 | 4,500 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 2,651 |
| Cost of funding earning assets | 1.2544% | 2,225 |
| Net interest margin | 3.8518% | 3,524 |
| Noninterest income to average assets | 0.2630% | 5,769 |
| Noninterest expense to average assets | 2.0389% | 6,715 |
| Loan and lease loss provision to assets | 0.0980% | 5,091 |
| Net operating income to assets | 1.6678% | 641 |
| Return on assets (ROA) | 1.7547% | 584 |
| Pretax return on assets | 1.8396% | 812 |
| Return on Equity (ROE) | 20.5027% | 284 |
| Retained earnings to average equity (ytd only) | 10.9386% | 676 |
| Net charge-offs to loans | 0.0316% | 5,405 |
| Credit loss provision to net charge-offs | 545.4545% | 563 |
| Earnings coverage of net charge-offs (x) | 102.7273% | 358 |
| Efficiency ratio | 52.4811% | 6,758 |
| Assets per employee ($millions) | 4.0715% | 3,606 |
| Cash dividends to net income (ytd only)* | 46.6480% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 3,348 |
| Loan loss allowance to noncurrent loans | 38,700.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,135 |
| Noncurrent loans to loans | 0.0044% | 7,010 |
| Net loans and leases to total assets | 53.4053% | 5,372 |
| Net loans and leases to deposits | 61.4760% | 5,563 |
| Net loans and leases to core deposits | 64.7661% | 5,634 |
| Total domestic deposits to total assets | 86.8717% | 2,806 |
| Equity capital to assets | 8.8887% | 5,718 |
| Core capital (leverage) ratio | 8.4938% | 5,564 |
| Tier 1 risk-based capital ratio | 11.0637% | 6,474 |
| Total risk-based capital ratio | 12.2790% | 6,490 |
| Memoranda: | ||
| Average total assets | $122,416,000 | 4,380 |
| Average earning assets | $115,116,000 | 4,300 |
| Average equity | $10,476,670 | 4,931 |
| Average total loans | $69,666,000 | 4,587 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 2,537 |
| Cost of funding earning assets | 1.2530% | 2,484 |
| Net interest margin | 3.8717% | 3,290 |
| Noninterest income to average assets | 0.2456% | 5,933 |
| Noninterest expense to average assets | 1.8852% | 7,013 |
| Loan and lease loss provision to assets | 0.0996% | 4,762 |
| Net operating income to assets | 1.7574% | 528 |
| Return on assets (ROA) | 1.9284% | 409 |
| Pretax return on assets | 2.0976% | 472 |
| Return on Equity (ROE) | 22.9974% | 212 |
| Retained earnings to average equity (ytd only) | 13.1018% | 571 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3816% | 7,105 |
| Assets per employee ($millions) | 4.0853% | 3,674 |
| Cash dividends to net income (ytd only)* | 43.0293% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 3,381 |
| Loan loss allowance to noncurrent loans | 554.3689% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 6,743 |
| Noncurrent loans to loans | 0.3044% | 6,378 |
| Net loans and leases to total assets | 54.2845% | 5,264 |
| Net loans and leases to deposits | 62.4056% | 5,455 |
| Net loans and leases to core deposits | 65.9673% | 5,514 |
| Total domestic deposits to total assets | 86.9866% | 2,948 |
| Equity capital to assets | 8.5307% | 5,865 |
| Core capital (leverage) ratio | 8.6521% | 5,167 |
| Tier 1 risk-based capital ratio | 10.9994% | 6,511 |
| Total risk-based capital ratio | 12.2157% | 6,507 |
| Memoranda: | ||
| Average total assets | $120,516,000 | 4,466 |
| Average earning assets | $113,645,000 | 4,364 |
| Average equity | $10,105,500 | 5,023 |
| Average total loans | $70,215,500 | 4,614 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 2,238 |
| Cost of funding earning assets | 1.4203% | 3,136 |
| Net interest margin | 4.0894% | 2,620 |
| Noninterest income to average assets | 0.3225% | 5,476 |
| Noninterest expense to average assets | 2.4613% | 5,913 |
| Loan and lease loss provision to assets | 0.4714% | 3,307 |
| Net operating income to assets | 1.1314% | 1,607 |
| Return on assets (ROA) | 1.6083% | 658 |
| Pretax return on assets | 1.7410% | 871 |
| Return on Equity (ROE) | 18.7842% | 327 |
| Retained earnings to average equity (ytd only) | 11.3005% | 351 |
| Net charge-offs to loans | 0.7156% | 2,871 |
| Credit loss provision to net charge-offs | 106.1657% | 4,211 |
| Earnings coverage of net charge-offs (x) | 3.8150% | 3,174 |
| Efficiency ratio | 59.2341% | 6,155 |
| Assets per employee ($millions) | 3.8217% | 4,205 |
| Cash dividends to net income (ytd only)* | 39.8404% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,867 |
| Loan loss allowance to noncurrent loans | 1,684.8485% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 7,090 |
| Noncurrent loans to loans | 0.0907% | 6,905 |
| Net loans and leases to total assets | 60.4749% | 4,588 |
| Net loans and leases to deposits | 72.7484% | 4,388 |
| Net loans and leases to core deposits | 76.3258% | 4,651 |
| Total domestic deposits to total assets | 83.1288% | 4,744 |
| Equity capital to assets | 8.2347% | 6,226 |
| Core capital (leverage) ratio | 8.4959% | 5,376 |
| Tier 1 risk-based capital ratio | 10.2753% | 6,832 |
| Total risk-based capital ratio | 11.4184% | 6,870 |
| Memoranda: | ||
| Average total assets | $116,890,200 | 4,557 |
| Average earning assets | $109,551,600 | 4,476 |
| Average equity | $10,008,400 | 5,129 |
| Average total loans | $72,529,600 | 4,589 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5522% | 2,245 |
| Cost of funding earning assets | 1.4556% | 3,243 |
| Net interest margin | 4.0966% | 2,640 |
| Noninterest income to average assets | 0.2827% | 5,851 |
| Noninterest expense to average assets | 2.2570% | 6,446 |
| Loan and lease loss provision to assets | 0.4921% | 3,007 |
| Net operating income to assets | 1.3060% | 1,325 |
| Return on assets (ROA) | 1.7855% | 574 |
| Pretax return on assets | 1.8713% | 810 |
| Return on Equity (ROE) | 20.6518% | 277 |
| Retained earnings to average equity (ytd only) | 14.6416% | 229 |
| Net charge-offs to loans | 0.4912% | 3,312 |
| Credit loss provision to net charge-offs | 161.0487% | 2,351 |
| Earnings coverage of net charge-offs (x) | 6.0824% | 2,603 |
| Efficiency ratio | 54.8387% | 6,707 |
| Assets per employee ($millions) | 3.7939% | 4,283 |
| Cash dividends to net income (ytd only)* | 29.1026% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 3,240 |
| Loan loss allowance to noncurrent loans | 796.7949% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 7,026 |
| Noncurrent loans to loans | 0.2100% | 6,760 |
| Net loans and leases to total assets | 62.0974% | 4,510 |
| Net loans and leases to deposits | 74.5192% | 4,427 |
| Net loans and leases to core deposits | 84.4226% | 3,883 |
| Total domestic deposits to total assets | 83.3308% | 4,447 |
| Equity capital to assets | 9.3468% | 5,053 |
| Core capital (leverage) ratio | 8.5232% | 5,463 |
| Tier 1 risk-based capital ratio | 10.3444% | 6,868 |
| Total risk-based capital ratio | 11.5915% | 6,870 |
| Memoranda: | ||
| Average total assets | $116,494,250 | 4,629 |
| Average earning assets | $108,998,750 | 4,552 |
| Average equity | $10,071,500 | 5,173 |
| Average total loans | $72,472,250 | 4,658 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 2,325 |
| Cost of funding earning assets | 1.4870% | 3,323 |
| Net interest margin | 4.0654% | 2,721 |
| Noninterest income to average assets | 0.2876% | 5,848 |
| Noninterest expense to average assets | 2.2339% | 6,559 |
| Loan and lease loss provision to assets | 0.3100% | 3,903 |
| Net operating income to assets | 1.4461% | 1,002 |
| Return on assets (ROA) | 1.6655% | 675 |
| Pretax return on assets | 1.7843% | 915 |
| Return on Equity (ROE) | 19.8068% | 332 |
| Retained earnings to average equity (ytd only) | 13.6005% | 333 |
| Net charge-offs to loans | 0.4981% | 3,044 |
| Credit loss provision to net charge-offs | 100.5587% | 4,050 |
| Earnings coverage of net charge-offs (x) | 6.0279% | 2,545 |
| Efficiency ratio | 54.5875% | 6,809 |
| Assets per employee ($millions) | 3.6145% | 4,666 |
| Cash dividends to net income (ytd only)* | 31.3340% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 3,852 |
| Loan loss allowance to noncurrent loans | 169.9686% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 6,096 |
| Noncurrent loans to loans | 0.8907% | 5,489 |
| Net loans and leases to total assets | 60.8023% | 4,907 |
| Net loans and leases to deposits | 72.4744% | 4,913 |
| Net loans and leases to core deposits | 75.7769% | 5,218 |
| Total domestic deposits to total assets | 83.8949% | 4,153 |
| Equity capital to assets | 8.8350% | 5,700 |
| Core capital (leverage) ratio | 8.2392% | 5,877 |
| Tier 1 risk-based capital ratio | 10.2584% | 6,871 |
| Total risk-based capital ratio | 11.4221% | 6,897 |
| Memoranda: | ||
| Average total assets | $116,121,670 | 4,653 |
| Average earning assets | $108,674,000 | 4,590 |
| Average equity | $9,764,330 | 5,268 |
| Average total loans | $71,870,670 | 4,723 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6038% | 2,132 |
| Cost of funding earning assets | 1.5246% | 3,404 |
| Net interest margin | 4.0791% | 2,531 |
| Noninterest income to average assets | 0.2475% | 6,175 |
| Noninterest expense to average assets | 2.1728% | 6,750 |
| Loan and lease loss provision to assets | 0.0344% | 6,332 |
| Net operating income to assets | 1.7102% | 603 |
| Return on assets (ROA) | 1.8221% | 522 |
| Pretax return on assets | 1.9596% | 653 |
| Return on Equity (ROE) | 22.2292% | 263 |
| Retained earnings to average equity (ytd only) | 15.8540% | 353 |
| Net charge-offs to loans | 0.1553% | 3,995 |
| Credit loss provision to net charge-offs | 35.7143% | 4,725 |
| Earnings coverage of net charge-offs (x) | 19.4643% | 1,200 |
| Efficiency ratio | 53.6958% | 7,001 |
| Assets per employee ($millions) | 3.7219% | 4,520 |
| Cash dividends to net income (ytd only)* | 28.6792% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 3,993 |
| Loan loss allowance to noncurrent loans | 175.8278% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 6,190 |
| Noncurrent loans to loans | 0.8435% | 5,629 |
| Net loans and leases to total assets | 61.1388% | 4,918 |
| Net loans and leases to deposits | 72.5054% | 4,985 |
| Net loans and leases to core deposits | 75.6905% | 5,299 |
| Total domestic deposits to total assets | 84.3231% | 3,986 |
| Equity capital to assets | 8.4417% | 6,082 |
| Core capital (leverage) ratio | 8.0793% | 6,120 |
| Tier 1 risk-based capital ratio | 10.3323% | 6,780 |
| Total risk-based capital ratio | 11.5195% | 6,823 |
| Memoranda: | ||
| Average total assets | $116,350,000 | 4,715 |
| Average earning assets | $108,356,000 | 4,651 |
| Average equity | $9,537,000 | 5,372 |
| Average total loans | $72,102,000 | 4,779 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8408% | 2,484 |
| Cost of funding earning assets | 2.0079% | 2,926 |
| Net interest margin | 3.8329% | 3,561 |
| Noninterest income to average assets | 0.3310% | 5,718 |
| Noninterest expense to average assets | 2.3028% | 6,742 |
| Loan and lease loss provision to assets | 0.2886% | 5,124 |
| Net operating income to assets | 1.2043% | 1,234 |
| Return on assets (ROA) | 1.0932% | 1,575 |
| Pretax return on assets | 1.1581% | 2,073 |
| Return on Equity (ROE) | 14.6536% | 701 |
| Retained earnings to average equity (ytd only) | 7.4477% | 830 |
| Net charge-offs to loans | 0.2755% | 4,903 |
| Credit loss provision to net charge-offs | 165.8031% | 2,625 |
| Earnings coverage of net charge-offs (x) | 8.9896% | 1,854 |
| Efficiency ratio | 59.5382% | 6,552 |
| Assets per employee ($millions) | 3.7845% | 4,310 |
| Cash dividends to net income (ytd only)* | 49.1749% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 3,793 |
| Loan loss allowance to noncurrent loans | 203.3898% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,734 |
| Noncurrent loans to loans | 0.7314% | 5,792 |
| Net loans and leases to total assets | 60.9615% | 5,199 |
| Net loans and leases to deposits | 72.8651% | 5,213 |
| Net loans and leases to core deposits | 93.2002% | 4,758 |
| Total domestic deposits to total assets | 83.6635% | 4,197 |
| Equity capital to assets | 7.9560% | 6,623 |
| Core capital (leverage) ratio | 7.6150% | 6,666 |
| Tier 1 risk-based capital ratio | 9.7271% | 7,075 |
| Total risk-based capital ratio | 10.9121% | 7,095 |
| Memoranda: | ||
| Average total assets | $110,866,600 | 4,799 |
| Average earning assets | $102,297,600 | 4,784 |
| Average equity | $8,271,000 | 5,844 |
| Average total loans | $70,064,800 | 4,864 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8572% | 2,639 |
| Cost of funding earning assets | 2.0771% | 3,001 |
| Net interest margin | 3.7801% | 3,736 |
| Noninterest income to average assets | 0.3136% | 5,970 |
| Noninterest expense to average assets | 2.2748% | 6,767 |
| Loan and lease loss provision to assets | 0.2807% | 4,732 |
| Net operating income to assets | 1.1847% | 1,502 |
| Return on assets (ROA) | 1.0312% | 2,025 |
| Pretax return on assets | 1.0764% | 2,649 |
| Return on Equity (ROE) | 14.0738% | 915 |
| Retained earnings to average equity (ytd only) | 7.4950% | 1,317 |
| Net charge-offs to loans | 0.3495% | 3,894 |
| Credit loss provision to net charge-offs | 126.3736% | 3,979 |
| Earnings coverage of net charge-offs (x) | 6.8297% | 2,534 |
| Efficiency ratio | 59.9936% | 6,418 |
| Assets per employee ($millions) | 3.5784% | 4,736 |
| Cash dividends to net income (ytd only)* | 46.7452% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 3,727 |
| Loan loss allowance to noncurrent loans | 1,235.8025% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 6,706 |
| Noncurrent loans to loans | 0.1167% | 7,187 |
| Net loans and leases to total assets | 59.7644% | 5,619 |
| Net loans and leases to deposits | 71.5436% | 5,725 |
| Net loans and leases to core deposits | 91.2503% | 5,304 |
| Total domestic deposits to total assets | 83.5356% | 3,939 |
| Equity capital to assets | 8.0029% | 6,844 |
| Core capital (leverage) ratio | 7.4167% | 7,061 |
| Tier 1 risk-based capital ratio | 9.4565% | 7,402 |
| Total risk-based capital ratio | 10.5743% | 7,467 |
| Memoranda: | ||
| Average total assets | $109,253,250 | 4,875 |
| Average earning assets | $100,522,750 | 4,850 |
| Average equity | $8,005,250 | 5,977 |
| Average total loans | $69,431,000 | 4,934 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8828% | 2,661 |
| Cost of funding earning assets | 2.1069% | 3,230 |
| Net interest margin | 3.7759% | 3,648 |
| Noninterest income to average assets | 0.3219% | 5,934 |
| Noninterest expense to average assets | 2.2828% | 6,806 |
| Loan and lease loss provision to assets | 0.3628% | 3,751 |
| Net operating income to assets | 1.0421% | 1,968 |
| Return on assets (ROA) | 0.8186% | 2,878 |
| Pretax return on assets | 0.8949% | 3,357 |
| Return on Equity (ROE) | 11.5501% | 1,546 |
| Retained earnings to average equity (ytd only) | 3.8325% | 3,158 |
| Net charge-offs to loans | 0.5243% | 2,751 |
| Credit loss provision to net charge-offs | 107.1429% | 4,303 |
| Earnings coverage of net charge-offs (x) | 4.4396% | 3,094 |
| Efficiency ratio | 60.2948% | 6,495 |
| Assets per employee ($millions) | 3.4463% | 4,957 |
| Cash dividends to net income (ytd only)* | 66.8182% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 3,720 |
| Loan loss allowance to noncurrent loans | 111.6763% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 5,436 |
| Noncurrent loans to loans | 1.2546% | 4,694 |
| Net loans and leases to total assets | 61.6422% | 5,418 |
| Net loans and leases to deposits | 73.1878% | 5,581 |
| Net loans and leases to core deposits | 94.8897% | 5,016 |
| Total domestic deposits to total assets | 84.2247% | 3,632 |
| Equity capital to assets | 6.9822% | 7,626 |
| Core capital (leverage) ratio | 7.4302% | 7,102 |
| Tier 1 risk-based capital ratio | 9.2516% | 7,569 |
| Total risk-based capital ratio | 10.3462% | 7,657 |
| Memoranda: | ||
| Average total assets | $107,501,670 | 4,953 |
| Average earning assets | $98,626,330 | 4,934 |
| Average equity | $7,619,000 | 6,141 |
| Average total loans | $69,429,330 | 4,983 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9188% | 2,706 |
| Cost of funding earning assets | 2.1329% | 3,502 |
| Net interest margin | 3.7859% | 3,507 |
| Noninterest income to average assets | 0.3091% | 5,972 |
| Noninterest expense to average assets | 2.2090% | 6,845 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5267% | 893 |
| Return on assets (ROA) | 1.5267% | 966 |
| Pretax return on assets | 1.5795% | 1,460 |
| Return on Equity (ROE) | 21.3763% | 337 |
| Retained earnings to average equity (ytd only) | 11.1895% | 933 |
| Net charge-offs to loans | -0.0115% | 7,306 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3085% | 6,647 |
| Assets per employee ($millions) | 3.5215% | 4,767 |
| Cash dividends to net income (ytd only)* | 47.6543% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 3,668 |
| Loan loss allowance to noncurrent loans | 84.7382% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 4,628 |
| Noncurrent loans to loans | 1.6180% | 3,849 |
| Net loans and leases to total assets | 62.9311% | 5,172 |
| Net loans and leases to deposits | 74.9460% | 5,350 |
| Net loans and leases to core deposits | 98.2299% | 4,720 |
| Total domestic deposits to total assets | 83.9686% | 3,723 |
| Equity capital to assets | 7.1844% | 7,576 |
| Core capital (leverage) ratio | 7.6984% | 6,890 |
| Tier 1 risk-based capital ratio | 9.3754% | 7,526 |
| Total risk-based capital ratio | 10.4631% | 7,654 |
| Memoranda: | ||
| Average total assets | $106,112,500 | 5,000 |
| Average earning assets | $97,520,000 | 4,990 |
| Average equity | $7,578,500 | 6,196 |
| Average total loans | $69,671,500 | 4,997 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5597% | 2,672 |
| Cost of funding earning assets | 3.0895% | 1,539 |
| Net interest margin | 3.4702% | 5,402 |
| Noninterest income to average assets | 0.3838% | 5,605 |
| Noninterest expense to average assets | 2.3977% | 6,399 |
| Loan and lease loss provision to assets | 0.1225% | 5,788 |
| Net operating income to assets | 1.0103% | 2,511 |
| Return on assets (ROA) | 1.0203% | 2,361 |
| Pretax return on assets | 1.0758% | 3,116 |
| Return on Equity (ROE) | 14.0529% | 1,094 |
| Retained earnings to average equity (ytd only) | -47.4452% | 8,119 |
| Net charge-offs to loans | 0.0114% | 6,763 |
| Credit loss provision to net charge-offs | 1,600.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 155.1250% | 294 |
| Efficiency ratio | 66.8713% | 4,929 |
| Assets per employee ($millions) | 3.3245% | 5,151 |
| Cash dividends to net income (ytd only)* | 437.6173% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 3,374 |
| Loan loss allowance to noncurrent loans | 603.1646% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 6,959 |
| Noncurrent loans to loans | 0.2267% | 6,707 |
| Net loans and leases to total assets | 66.6955% | 4,710 |
| Net loans and leases to deposits | 76.7740% | 5,500 |
| Net loans and leases to core deposits | 97.7127% | 5,072 |
| Total domestic deposits to total assets | 86.8724% | 1,997 |
| Equity capital to assets | 7.0970% | 7,684 |
| Core capital (leverage) ratio | 7.6953% | 6,945 |
| Tier 1 risk-based capital ratio | 9.2609% | 7,559 |
| Total risk-based capital ratio | 10.3615% | 7,666 |
| Memoranda: | ||
| Average total assets | $104,475,600 | 4,914 |
| Average earning assets | $96,391,800 | 4,903 |
| Average equity | $7,585,600 | 6,243 |
| Average total loans | $70,141,600 | 4,860 |