Home > Solon State Bank > Performance and Condition Ratios
Solon State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 1,351 |
| Cost of funding earning assets | 0.8412% | 3,630 |
| Net interest margin | 4.5346% | 580 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.1145% | 3,374 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.9951% | 473 |
| Return on assets (ROA) | 1.9951% | 457 |
| Pretax return on assets | 2.1040% | 561 |
| Return on Equity (ROE) | 10.6600% | 2,321 |
| Retained earnings to average equity (ytd only) | 3.3597% | 3,178 |
| Net charge-offs to loans | 1.1541% | 83 |
| Credit loss provision to net charge-offs | 39.6301% | 2,240 |
| Earnings coverage of net charge-offs (x) | 3.8177% | 2,623 |
| Efficiency ratio | 47.3876% | 4,124 |
| Assets per employee ($millions) | 7.7123% | 1,582 |
| Cash dividends to net income (ytd only)* | 68.4853% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4965% | 4,338 |
| Loan loss allowance to noncurrent loans | 5.1960% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 8.1072% | 10 |
| Noncurrent loans to loans | 9.5549% | 11 |
| Net loans and leases to total assets | 56.2000% | 3,173 |
| Net loans and leases to deposits | 79.8650% | 2,121 |
| Net loans and leases to core deposits | 83.7138% | 2,478 |
| Total domestic deposits to total assets | 70.3700% | 4,277 |
| Equity capital to assets | 19.6796% | 290 |
| Core capital (leverage) ratio | 22.4846% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $123,100,600 | 3,618 |
| Average earning assets | $115,070,400 | 3,592 |
| Average equity | $23,037,800 | 2,627 |
| Average total loans | $65,592,000 | 3,618 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 1,378 |
| Cost of funding earning assets | 0.7904% | 3,547 |
| Net interest margin | 4.4478% | 666 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.0927% | 3,374 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 1.8370% | 616 |
| Return on assets (ROA) | 1.8370% | 609 |
| Pretax return on assets | 1.9453% | 808 |
| Return on Equity (ROE) | 9.9400% | 2,655 |
| Retained earnings to average equity (ytd only) | 2.5403% | 3,625 |
| Net charge-offs to loans | 1.5632% | 52 |
| Credit loss provision to net charge-offs | 39.6301% | 1,936 |
| Earnings coverage of net charge-offs (x) | 2.7675% | 2,465 |
| Efficiency ratio | 47.9632% | 4,046 |
| Assets per employee ($millions) | 7.4483% | 1,673 |
| Cash dividends to net income (ytd only)* | 74.4543% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5208% | 4,337 |
| Loan loss allowance to noncurrent loans | 5.2038% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 8.3862% | 10 |
| Noncurrent loans to loans | 10.0087% | 11 |
| Net loans and leases to total assets | 55.4500% | 3,253 |
| Net loans and leases to deposits | 75.6202% | 2,447 |
| Net loans and leases to core deposits | 79.9453% | 2,606 |
| Total domestic deposits to total assets | 73.3300% | 4,205 |
| Equity capital to assets | 18.5211% | 328 |
| Core capital (leverage) ratio | 21.8413% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $123,026,500 | 3,633 |
| Average earning assets | $114,869,750 | 3,605 |
| Average equity | $22,726,250 | 2,637 |
| Average total loans | $64,567,000 | 3,644 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 1,484 |
| Cost of funding earning assets | 0.7083% | 3,462 |
| Net interest margin | 4.3339% | 768 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.1687% | 3,172 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 1.7118% | 765 |
| Return on assets (ROA) | 1.7118% | 764 |
| Pretax return on assets | 1.8180% | 978 |
| Return on Equity (ROE) | 9.2700% | 2,901 |
| Retained earnings to average equity (ytd only) | 1.9351% | 3,735 |
| Net charge-offs to loans | 2.1643% | 42 |
| Credit loss provision to net charge-offs | 28.9017% | 1,741 |
| Earnings coverage of net charge-offs (x) | 1.9220% | 2,345 |
| Efficiency ratio | 50.3361% | 3,895 |
| Assets per employee ($millions) | 7.2319% | 1,763 |
| Cash dividends to net income (ytd only)* | 79.1353% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4794% | 4,394 |
| Loan loss allowance to noncurrent loans | 4.6965% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 8.1071% | 17 |
| Noncurrent loans to loans | 10.2076% | 13 |
| Net loans and leases to total assets | 52.5100% | 3,367 |
| Net loans and leases to deposits | 70.4525% | 2,749 |
| Net loans and leases to core deposits | 72.6150% | 2,980 |
| Total domestic deposits to total assets | 74.5400% | 4,154 |
| Equity capital to assets | 18.4884% | 329 |
| Core capital (leverage) ratio | 21.2345% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $124,311,333 | 3,632 |
| Average earning assets | $116,060,667 | 3,609 |
| Average equity | $22,944,333 | 2,629 |
| Average total loans | $63,945,333 | 3,657 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 1,291 |
| Cost of funding earning assets | 0.5472% | 3,543 |
| Net interest margin | 4.4186% | 659 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.0385% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2721% | 337 |
| Return on assets (ROA) | 2.2721% | 337 |
| Pretax return on assets | 2.3745% | 429 |
| Return on Equity (ROE) | 12.3200% | 2,139 |
| Retained earnings to average equity (ytd only) | 12.3202% | 1,211 |
| Net charge-offs to loans | 0.0126% | 1,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 301 |
| Efficiency ratio | 46.1929% | 4,206 |
| Assets per employee ($millions) | 7.3545% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,244 |
| Loan loss allowance to noncurrent loans | 13.7252% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 7.3433% | 7 |
| Noncurrent loans to loans | 9.1793% | 15 |
| Net loans and leases to total assets | 50.2100% | 3,481 |
| Net loans and leases to deposits | 68.5533% | 2,730 |
| Net loans and leases to core deposits | 70.0707% | 2,950 |
| Total domestic deposits to total assets | 73.2400% | 4,314 |
| Equity capital to assets | 19.1336% | 260 |
| Core capital (leverage) ratio | 21.8323% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $124,996,000 | 3,670 |
| Average earning assets | $116,959,000 | 3,647 |
| Average equity | $23,051,500 | 2,645 |
| Average total loans | $63,481,500 | 3,707 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 994 |
| Cost of funding earning assets | 0.2398% | 3,417 |
| Net interest margin | 4.0978% | 661 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 1.9945% | 3,588 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 2.0410% | 275 |
| Return on assets (ROA) | 2.0410% | 264 |
| Pretax return on assets | 2.1500% | 348 |
| Return on Equity (ROE) | 10.9900% | 2,480 |
| Retained earnings to average equity (ytd only) | 4.0760% | 3,370 |
| Net charge-offs to loans | 0.1076% | 691 |
| Credit loss provision to net charge-offs | 597.0149% | 606 |
| Earnings coverage of net charge-offs (x) | 47.4478% | 1,396 |
| Efficiency ratio | 44.7803% | 4,402 |
| Assets per employee ($millions) | 7.8104% | 1,434 |
| Cash dividends to net income (ytd only)* | 62.9265% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,063 |
| Loan loss allowance to noncurrent loans | 16.7851% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 6.2785% | 10 |
| Noncurrent loans to loans | 7.5475% | 26 |
| Net loans and leases to total assets | 50.0800% | 3,499 |
| Net loans and leases to deposits | 66.3500% | 2,870 |
| Net loans and leases to core deposits | 67.4419% | 3,039 |
| Total domestic deposits to total assets | 75.4800% | 4,284 |
| Equity capital to assets | 17.7496% | 305 |
| Core capital (leverage) ratio | 21.0660% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $129,253,400 | 3,643 |
| Average earning assets | $121,333,800 | 3,602 |
| Average equity | $23,994,400 | 2,640 |
| Average total loans | $62,290,600 | 3,689 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 518 |
| Cost of funding earning assets | 0.2190% | 3,044 |
| Net interest margin | 4.2500% | 373 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 1.8804% | 3,796 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 2.4359% | 162 |
| Return on assets (ROA) | 2.4359% | 160 |
| Pretax return on assets | 2.5464% | 203 |
| Return on Equity (ROE) | 12.9900% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.2281% | 2,664 |
| Net charge-offs to loans | -0.0236% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.1573% | 4,569 |
| Assets per employee ($millions) | 7.8925% | 1,381 |
| Cash dividends to net income (ytd only)* | 52.0370% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 2,912 |
| Loan loss allowance to noncurrent loans | 16.9606% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 5.6074% | 11 |
| Noncurrent loans to loans | 6.6184% | 32 |
| Net loans and leases to total assets | 50.9900% | 3,384 |
| Net loans and leases to deposits | 63.7272% | 2,889 |
| Net loans and leases to core deposits | 64.7038% | 3,056 |
| Total domestic deposits to total assets | 80.0100% | 4,096 |
| Equity capital to assets | 17.2862% | 303 |
| Core capital (leverage) ratio | 20.7323% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $130,325,250 | 3,656 |
| Average earning assets | $122,381,500 | 3,620 |
| Average equity | $24,447,750 | 2,655 |
| Average total loans | $62,017,000 | 3,718 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 572 |
| Cost of funding earning assets | 0.2136% | 2,724 |
| Net interest margin | 4.0300% | 467 |
| Noninterest income to average assets | 0.6197% | 1,656 |
| Noninterest expense to average assets | 1.8470% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.4409% | 122 |
| Return on assets (ROA) | 2.4409% | 120 |
| Pretax return on assets | 2.5563% | 155 |
| Return on Equity (ROE) | 12.6932% | 1,468 |
| Retained earnings to average equity (ytd only) | 6.2321% | 2,265 |
| Net charge-offs to loans | 0.0295% | 1,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 561 |
| Efficiency ratio | 41.9455% | 4,571 |
| Assets per employee ($millions) | 8.2132% | 1,197 |
| Cash dividends to net income (ytd only)* | 50.9023% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 4,263 |
| Loan loss allowance to noncurrent loans | 11.4705% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 5.1586% | 13 |
| Noncurrent loans to loans | 6.5201% | 29 |
| Net loans and leases to total assets | 46.5555% | 3,673 |
| Net loans and leases to deposits | 58.2829% | 3,199 |
| Net loans and leases to core deposits | 59.5161% | 3,303 |
| Total domestic deposits to total assets | 79.8784% | 4,237 |
| Equity capital to assets | 17.7656% | 235 |
| Core capital (leverage) ratio | 19.7420% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,673,667 | 3,685 |
| Average earning assets | $123,624,000 | 3,655 |
| Average equity | $25,320,667 | 2,661 |
| Average total loans | $60,982,333 | 3,773 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 757 |
| Cost of funding earning assets | 0.2196% | 2,536 |
| Net interest margin | 3.7908% | 644 |
| Noninterest income to average assets | 0.8224% | 989 |
| Noninterest expense to average assets | 1.8421% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.3884% | 134 |
| Return on assets (ROA) | 2.3884% | 132 |
| Pretax return on assets | 2.5432% | 171 |
| Return on Equity (ROE) | 11.9659% | 1,322 |
| Retained earnings to average equity (ytd only) | 11.9659% | 609 |
| Net charge-offs to loans | 0.0594% | 721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 93.1111% | 697 |
| Efficiency ratio | 42.0069% | 4,605 |
| Assets per employee ($millions) | 8.3116% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 4,302 |
| Loan loss allowance to noncurrent loans | 10.9186% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 5.2450% | 17 |
| Noncurrent loans to loans | 6.9605% | 33 |
| Net loans and leases to total assets | 45.1683% | 3,643 |
| Net loans and leases to deposits | 57.5410% | 3,119 |
| Net loans and leases to core deposits | 58.8511% | 3,249 |
| Total domestic deposits to total assets | 78.4976% | 4,376 |
| Equity capital to assets | 19.1375% | 193 |
| Core capital (leverage) ratio | 19.9392% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,805,000 | 3,703 |
| Average earning assets | $123,879,000 | 3,673 |
| Average equity | $26,308,000 | 2,698 |
| Average total loans | $60,653,500 | 3,784 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 749 |
| Cost of funding earning assets | 0.2502% | 2,934 |
| Net interest margin | 4.1234% | 568 |
| Noninterest income to average assets | 0.3252% | 3,458 |
| Noninterest expense to average assets | 2.0634% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.0200% | 327 |
| Return on assets (ROA) | 2.0208% | 343 |
| Pretax return on assets | 2.1258% | 474 |
| Return on Equity (ROE) | 9.4605% | 2,731 |
| Retained earnings to average equity (ytd only) | 3.6733% | 3,353 |
| Net charge-offs to loans | 0.0050% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 897.3333% | 166 |
| Efficiency ratio | 49.2650% | 4,338 |
| Assets per employee ($millions) | 8.1641% | 1,239 |
| Cash dividends to net income (ytd only)* | 61.1719% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 4,311 |
| Loan loss allowance to noncurrent loans | 16.5785% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 4.2343% | 40 |
| Noncurrent loans to loans | 4.6644% | 84 |
| Net loans and leases to total assets | 46.1703% | 3,676 |
| Net loans and leases to deposits | 60.1590% | 3,056 |
| Net loans and leases to core deposits | 61.1800% | 3,230 |
| Total domestic deposits to total assets | 76.7472% | 4,476 |
| Equity capital to assets | 20.7969% | 158 |
| Core capital (leverage) ratio | 19.4183% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,684,600 | 3,728 |
| Average earning assets | $118,687,200 | 3,699 |
| Average equity | $27,060,000 | 2,719 |
| Average total loans | $60,181,200 | 3,812 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 732 |
| Cost of funding earning assets | 0.2527% | 3,096 |
| Net interest margin | 4.2013% | 543 |
| Noninterest income to average assets | 0.2991% | 3,646 |
| Noninterest expense to average assets | 1.9846% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1459% | 357 |
| Return on assets (ROA) | 2.1469% | 372 |
| Pretax return on assets | 2.2487% | 501 |
| Return on Equity (ROE) | 9.9824% | 2,741 |
| Retained earnings to average equity (ytd only) | 4.2169% | 3,504 |
| Net charge-offs to loans | -0.0133% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8922% | 4,455 |
| Assets per employee ($millions) | 8.0147% | 1,263 |
| Cash dividends to net income (ytd only)* | 57.7569% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 4,367 |
| Loan loss allowance to noncurrent loans | 15.3427% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 4.3756% | 37 |
| Noncurrent loans to loans | 5.1252% | 72 |
| Net loans and leases to total assets | 47.1291% | 3,700 |
| Net loans and leases to deposits | 61.4287% | 3,102 |
| Net loans and leases to core deposits | 62.0098% | 3,323 |
| Total domestic deposits to total assets | 76.7216% | 4,508 |
| Equity capital to assets | 21.1362% | 156 |
| Core capital (leverage) ratio | 19.2809% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,699,500 | 3,773 |
| Average earning assets | $117,674,250 | 3,754 |
| Average equity | $27,033,500 | 2,750 |
| Average total loans | $60,031,500 | 3,867 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 571 |
| Cost of funding earning assets | 0.2573% | 3,224 |
| Net interest margin | 4.3994% | 414 |
| Noninterest income to average assets | 0.2435% | 3,939 |
| Noninterest expense to average assets | 1.9591% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2907% | 287 |
| Return on assets (ROA) | 2.2907% | 308 |
| Pretax return on assets | 2.3932% | 416 |
| Return on Equity (ROE) | 10.5887% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.8797% | 3,228 |
| Net charge-offs to loans | -0.0067% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0129% | 4,570 |
| Assets per employee ($millions) | 7.9190% | 1,251 |
| Cash dividends to net income (ytd only)* | 53.9161% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,418 |
| Loan loss allowance to noncurrent loans | 12.9604% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 4.6021% | 45 |
| Noncurrent loans to loans | 5.9316% | 60 |
| Net loans and leases to total assets | 48.3907% | 3,688 |
| Net loans and leases to deposits | 62.8774% | 3,117 |
| Net loans and leases to core deposits | 63.4776% | 3,337 |
| Total domestic deposits to total assets | 76.9605% | 4,515 |
| Equity capital to assets | 21.4895% | 140 |
| Core capital (leverage) ratio | 19.4296% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,854,333 | 3,798 |
| Average earning assets | $116,606,333 | 3,780 |
| Average equity | $27,010,000 | 2,736 |
| Average total loans | $59,737,000 | 3,903 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 543 |
| Cost of funding earning assets | 0.2630% | 3,349 |
| Net interest margin | 4.4705% | 377 |
| Noninterest income to average assets | 0.1807% | 4,290 |
| Noninterest expense to average assets | 2.0205% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2142% | 406 |
| Return on assets (ROA) | 2.2142% | 441 |
| Pretax return on assets | 2.3304% | 564 |
| Return on Equity (ROE) | 10.2004% | 2,623 |
| Retained earnings to average equity (ytd only) | 10.2004% | 1,603 |
| Net charge-offs to loans | -0.0204% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4392% | 4,438 |
| Assets per employee ($millions) | 8.6415% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,416 |
| Loan loss allowance to noncurrent loans | 45.4198% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 2.5181% | 162 |
| Noncurrent loans to loans | 1.7534% | 676 |
| Net loans and leases to total assets | 45.7445% | 3,977 |
| Net loans and leases to deposits | 58.7294% | 3,586 |
| Net loans and leases to core deposits | 59.2701% | 3,757 |
| Total domestic deposits to total assets | 77.8903% | 4,448 |
| Equity capital to assets | 20.8923% | 155 |
| Core capital (leverage) ratio | 20.1233% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,929,500 | 3,818 |
| Average earning assets | $115,603,000 | 3,788 |
| Average equity | $26,901,000 | 2,738 |
| Average total loans | $58,711,500 | 3,931 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 362 |
| Cost of funding earning assets | 0.3710% | 3,760 |
| Net interest margin | 4.7860% | 178 |
| Noninterest income to average assets | 0.2771% | 3,819 |
| Noninterest expense to average assets | 2.3405% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.2547% | 175 |
| Return on assets (ROA) | 2.2547% | 187 |
| Pretax return on assets | 2.3744% | 227 |
| Return on Equity (ROE) | 9.1997% | 2,312 |
| Retained earnings to average equity (ytd only) | 3.4460% | 3,104 |
| Net charge-offs to loans | 0.0134% | 2,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 314.8750% | 337 |
| Efficiency ratio | 49.6401% | 4,557 |
| Assets per employee ($millions) | 7.8825% | 1,079 |
| Cash dividends to net income (ytd only)* | 62.5418% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 4,384 |
| Loan loss allowance to noncurrent loans | 35.8062% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 3.0980% | 113 |
| Noncurrent loans to loans | 2.2913% | 463 |
| Net loans and leases to total assets | 48.3597% | 3,948 |
| Net loans and leases to deposits | 62.8873% | 3,533 |
| Net loans and leases to core deposits | 63.5294% | 3,727 |
| Total domestic deposits to total assets | 76.8989% | 4,424 |
| Equity capital to assets | 22.5995% | 123 |
| Core capital (leverage) ratio | 20.5939% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,088,000 | 3,916 |
| Average earning assets | $98,371,200 | 3,907 |
| Average equity | $26,000,800 | 2,742 |
| Average total loans | $59,753,600 | 3,927 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3096% | 340 |
| Cost of funding earning assets | 0.3949% | 3,835 |
| Net interest margin | 4.9148% | 162 |
| Noninterest income to average assets | 0.2626% | 3,899 |
| Noninterest expense to average assets | 2.3004% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.3962% | 162 |
| Return on assets (ROA) | 2.3962% | 170 |
| Pretax return on assets | 2.5359% | 196 |
| Return on Equity (ROE) | 9.5631% | 2,181 |
| Retained earnings to average equity (ytd only) | 3.7695% | 3,158 |
| Net charge-offs to loans | 0.0177% | 2,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 245.0000% | 416 |
| Efficiency ratio | 47.5655% | 4,634 |
| Assets per employee ($millions) | 7.5151% | 1,202 |
| Cash dividends to net income (ytd only)* | 60.5832% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 4,425 |
| Loan loss allowance to noncurrent loans | 13.0880% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 5.6890% | 44 |
| Noncurrent loans to loans | 5.9161% | 75 |
| Net loans and leases to total assets | 53.7715% | 3,820 |
| Net loans and leases to deposits | 70.9055% | 3,225 |
| Net loans and leases to core deposits | 71.6727% | 3,502 |
| Total domestic deposits to total assets | 75.8354% | 4,442 |
| Equity capital to assets | 23.5658% | 118 |
| Core capital (leverage) ratio | 22.0755% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,050,750 | 3,953 |
| Average earning assets | $95,898,750 | 3,938 |
| Average equity | $25,820,750 | 2,745 |
| Average total loans | $60,279,000 | 3,937 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 309 |
| Cost of funding earning assets | 0.4299% | 3,897 |
| Net interest margin | 5.1219% | 160 |
| Noninterest income to average assets | 0.2364% | 4,060 |
| Noninterest expense to average assets | 2.4503% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.4162% | 157 |
| Return on assets (ROA) | 2.4162% | 172 |
| Pretax return on assets | 2.5605% | 191 |
| Return on Equity (ROE) | 9.4319% | 2,186 |
| Retained earnings to average equity (ytd only) | 3.5819% | 3,135 |
| Net charge-offs to loans | 0.0200% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 422 |
| Efficiency ratio | 48.9004% | 4,566 |
| Assets per employee ($millions) | 6.2766% | 1,970 |
| Cash dividends to net income (ytd only)* | 62.0232% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 4,406 |
| Loan loss allowance to noncurrent loans | 12.2391% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 6.1198% | 39 |
| Noncurrent loans to loans | 6.3146% | 69 |
| Net loans and leases to total assets | 57.1549% | 3,590 |
| Net loans and leases to deposits | 76.2926% | 2,829 |
| Net loans and leases to core deposits | 76.8008% | 3,221 |
| Total domestic deposits to total assets | 74.9154% | 4,527 |
| Equity capital to assets | 24.4286% | 107 |
| Core capital (leverage) ratio | 22.8148% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,825,333 | 3,994 |
| Average earning assets | $93,052,000 | 3,982 |
| Average equity | $25,572,667 | 2,744 |
| Average total loans | $60,009,333 | 3,946 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4793% | 391 |
| Cost of funding earning assets | 0.4540% | 4,137 |
| Net interest margin | 5.0253% | 182 |
| Noninterest income to average assets | 0.4191% | 2,973 |
| Noninterest expense to average assets | 2.3821% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.5730% | 103 |
| Return on assets (ROA) | 2.5730% | 104 |
| Pretax return on assets | 2.7224% | 121 |
| Return on Equity (ROE) | 9.7923% | 1,813 |
| Retained earnings to average equity (ytd only) | 9.7923% | 784 |
| Net charge-offs to loans | 0.0405% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 544 |
| Efficiency ratio | 46.6667% | 4,809 |
| Assets per employee ($millions) | 5.6819% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 4,408 |
| Loan loss allowance to noncurrent loans | 14.2643% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 6.2313% | 46 |
| Noncurrent loans to loans | 5.6251% | 92 |
| Net loans and leases to total assets | 60.7953% | 3,422 |
| Net loans and leases to deposits | 83.5667% | 2,279 |
| Net loans and leases to core deposits | 83.8962% | 2,862 |
| Total domestic deposits to total assets | 72.7506% | 4,742 |
| Equity capital to assets | 26.5413% | 94 |
| Core capital (leverage) ratio | 24.7621% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,386,500 | 4,041 |
| Average earning assets | $89,865,500 | 4,026 |
| Average equity | $25,326,000 | 2,758 |
| Average total loans | $59,283,500 | 3,969 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5308% | 530 |
| Cost of funding earning assets | 0.5125% | 4,036 |
| Net interest margin | 5.0183% | 261 |
| Noninterest income to average assets | 0.4556% | 2,975 |
| Noninterest expense to average assets | 2.5244% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.4228% | 149 |
| Return on assets (ROA) | 2.7375% | 105 |
| Pretax return on assets | 2.8820% | 108 |
| Return on Equity (ROE) | 11.1519% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.1891% | 2,317 |
| Net charge-offs to loans | 0.0640% | 2,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 66.4474% | 913 |
| Efficiency ratio | 49.7412% | 4,742 |
| Assets per employee ($millions) | 5.6576% | 1,916 |
| Cash dividends to net income (ytd only)* | 53.4686% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 4,277 |
| Loan loss allowance to noncurrent loans | 33.4725% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 3.9967% | 100 |
| Noncurrent loans to loans | 2.4205% | 461 |
| Net loans and leases to total assets | 61.2258% | 3,477 |
| Net loans and leases to deposits | 83.5217% | 2,380 |
| Net loans and leases to core deposits | 83.8488% | 2,961 |
| Total domestic deposits to total assets | 73.3053% | 4,811 |
| Equity capital to assets | 26.0085% | 113 |
| Core capital (leverage) ratio | 23.9101% | 139 |
| Tier 1 risk-based capital ratio | 25.8034% | 694 |
| Total risk-based capital ratio | 26.3363% | 730 |
| Memoranda: | ||
| Average total assets | $98,994,800 | 4,017 |
| Average earning assets | $91,126,000 | 4,032 |
| Average equity | $24,300,800 | 2,768 |
| Average total loans | $59,368,200 | 3,999 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 522 |
| Cost of funding earning assets | 0.5293% | 4,030 |
| Net interest margin | 5.0425% | 267 |
| Noninterest income to average assets | 0.5323% | 2,549 |
| Noninterest expense to average assets | 2.3524% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.6881% | 121 |
| Return on assets (ROA) | 2.6894% | 127 |
| Pretax return on assets | 2.8057% | 148 |
| Return on Equity (ROE) | 11.1153% | 1,975 |
| Retained earnings to average equity (ytd only) | 5.3006% | 2,732 |
| Net charge-offs to loans | 0.0876% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 53.7679% | 1,138 |
| Efficiency ratio | 45.6172% | 4,951 |
| Assets per employee ($millions) | 5.6519% | 1,887 |
| Cash dividends to net income (ytd only)* | 52.3122% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 4,232 |
| Loan loss allowance to noncurrent loans | 52.4590% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 3.8436% | 114 |
| Noncurrent loans to loans | 1.6193% | 911 |
| Net loans and leases to total assets | 58.3090% | 3,844 |
| Net loans and leases to deposits | 79.4985% | 2,954 |
| Net loans and leases to core deposits | 79.8077% | 3,402 |
| Total domestic deposits to total assets | 73.3460% | 4,842 |
| Equity capital to assets | 26.0556% | 115 |
| Core capital (leverage) ratio | 23.0386% | 153 |
| Tier 1 risk-based capital ratio | 26.0714% | 701 |
| Total risk-based capital ratio | 26.6157% | 738 |
| Memoranda: | ||
| Average total assets | $99,698,500 | 4,050 |
| Average earning assets | $91,433,000 | 4,069 |
| Average equity | $24,122,250 | 2,798 |
| Average total loans | $59,368,250 | 4,045 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 517 |
| Cost of funding earning assets | 0.4639% | 4,264 |
| Net interest margin | 5.0833% | 243 |
| Noninterest income to average assets | 0.5570% | 2,357 |
| Noninterest expense to average assets | 2.4201% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.6719% | 126 |
| Return on assets (ROA) | 2.6719% | 130 |
| Pretax return on assets | 2.7848% | 160 |
| Return on Equity (ROE) | 11.3192% | 1,859 |
| Retained earnings to average equity (ytd only) | 5.4329% | 2,551 |
| Net charge-offs to loans | 0.0928% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 50.1786% | 1,093 |
| Efficiency ratio | 46.4966% | 4,969 |
| Assets per employee ($millions) | 6.1651% | 1,426 |
| Cash dividends to net income (ytd only)* | 52.0030% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 4,464 |
| Loan loss allowance to noncurrent loans | 16.0825% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 5.9300% | 55 |
| Noncurrent loans to loans | 4.9236% | 109 |
| Net loans and leases to total assets | 58.6961% | 3,847 |
| Net loans and leases to deposits | 86.2029% | 2,234 |
| Net loans and leases to core deposits | 86.5328% | 2,924 |
| Total domestic deposits to total assets | 68.0906% | 5,102 |
| Equity capital to assets | 23.3508% | 154 |
| Core capital (leverage) ratio | 22.5248% | 160 |
| Tier 1 risk-based capital ratio | 23.2956% | 916 |
| Total risk-based capital ratio | 23.7999% | 973 |
| Memoranda: | ||
| Average total assets | $100,903,670 | 4,053 |
| Average earning assets | $92,263,670 | 4,069 |
| Average equity | $23,818,000 | 2,815 |
| Average total loans | $60,322,670 | 4,047 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5326% | 495 |
| Cost of funding earning assets | 0.3989% | 4,488 |
| Net interest margin | 5.1336% | 226 |
| Noninterest income to average assets | 0.5902% | 2,095 |
| Noninterest expense to average assets | 2.5709% | 3,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6397% | 130 |
| Return on assets (ROA) | 2.6397% | 140 |
| Pretax return on assets | 2.7528% | 166 |
| Return on Equity (ROE) | 11.1194% | 1,903 |
| Retained earnings to average equity (ytd only) | 11.1194% | 778 |
| Net charge-offs to loans | 0.1950% | 716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 23.4828% | 1,471 |
| Efficiency ratio | 48.2916% | 4,931 |
| Assets per employee ($millions) | 5.9091% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,456 |
| Loan loss allowance to noncurrent loans | 64.3890% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 4.4438% | 87 |
| Noncurrent loans to loans | 1.2742% | 1,289 |
| Net loans and leases to total assets | 58.9637% | 3,787 |
| Net loans and leases to deposits | 83.7426% | 2,416 |
| Net loans and leases to core deposits | 84.0635% | 3,023 |
| Total domestic deposits to total assets | 70.4106% | 5,096 |
| Equity capital to assets | 23.9251% | 131 |
| Core capital (leverage) ratio | 23.0773% | 147 |
| Tier 1 risk-based capital ratio | 23.9695% | 843 |
| Total risk-based capital ratio | 24.4873% | 890 |
| Memoranda: | ||
| Average total assets | $98,952,500 | 4,122 |
| Average earning assets | $91,241,500 | 4,120 |
| Average equity | $23,490,500 | 2,839 |
| Average total loans | $59,480,000 | 4,103 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4441% | 446 |
| Cost of funding earning assets | 0.3191% | 4,470 |
| Net interest margin | 5.1250% | 214 |
| Noninterest income to average assets | 0.3123% | 4,028 |
| Noninterest expense to average assets | 2.7126% | 2,980 |
| Loan and lease loss provision to assets | 0.1024% | 2,146 |
| Net operating income to assets | 2.1064% | 293 |
| Return on assets (ROA) | 2.1064% | 289 |
| Pretax return on assets | 2.2170% | 346 |
| Return on Equity (ROE) | 9.0334% | 2,977 |
| Retained earnings to average equity (ytd only) | 2.8721% | 3,964 |
| Net charge-offs to loans | 0.1209% | 1,526 |
| Credit loss provision to net charge-offs | 147.0588% | 1,860 |
| Earnings coverage of net charge-offs (x) | 33.3088% | 1,497 |
| Efficiency ratio | 53.9072% | 4,628 |
| Assets per employee ($millions) | 5.7324% | 1,731 |
| Cash dividends to net income (ytd only)* | 68.2061% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,267 |
| Loan loss allowance to noncurrent loans | 19.2151% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 6.1898% | 47 |
| Noncurrent loans to loans | 4.5596% | 135 |
| Net loans and leases to total assets | 60.2555% | 3,746 |
| Net loans and leases to deposits | 83.8831% | 2,523 |
| Net loans and leases to core deposits | 84.2067% | 3,066 |
| Total domestic deposits to total assets | 71.8327% | 5,083 |
| Equity capital to assets | 23.5475% | 135 |
| Core capital (leverage) ratio | 22.4114% | 161 |
| Tier 1 risk-based capital ratio | 23.4303% | 866 |
| Total risk-based capital ratio | 23.9823% | 911 |
| Memoranda: | ||
| Average total assets | $97,656,400 | 4,141 |
| Average earning assets | $89,931,600 | 4,144 |
| Average equity | $22,771,000 | 2,841 |
| Average total loans | $56,256,000 | 4,182 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 424 |
| Cost of funding earning assets | 0.2989% | 4,527 |
| Net interest margin | 5.1294% | 205 |
| Noninterest income to average assets | 0.3712% | 3,652 |
| Noninterest expense to average assets | 2.5900% | 3,313 |
| Loan and lease loss provision to assets | 0.1365% | 1,468 |
| Net operating income to assets | 2.2529% | 251 |
| Return on assets (ROA) | 2.2529% | 247 |
| Pretax return on assets | 2.3512% | 309 |
| Return on Equity (ROE) | 9.6857% | 2,760 |
| Retained earnings to average equity (ytd only) | 3.5141% | 4,019 |
| Net charge-offs to loans | 0.1633% | 1,009 |
| Credit loss provision to net charge-offs | 147.0588% | 1,738 |
| Earnings coverage of net charge-offs (x) | 26.8102% | 1,730 |
| Efficiency ratio | 51.0078% | 4,878 |
| Assets per employee ($millions) | 5.6745% | 1,753 |
| Cash dividends to net income (ytd only)* | 63.7188% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 4,202 |
| Loan loss allowance to noncurrent loans | 894.8276% | 656 |
| Noncurrent assets plus other real estate owned to assets | 3.5940% | 155 |
| Noncurrent loans to loans | 0.1024% | 4,427 |
| Net loans and leases to total assets | 58.1898% | 4,021 |
| Net loans and leases to deposits | 80.4789% | 2,988 |
| Net loans and leases to core deposits | 80.7893% | 3,431 |
| Total domestic deposits to total assets | 72.3045% | 5,104 |
| Equity capital to assets | 23.3831% | 137 |
| Core capital (leverage) ratio | 22.6625% | 149 |
| Tier 1 risk-based capital ratio | 24.2687% | 813 |
| Total risk-based capital ratio | 24.8418% | 864 |
| Memoranda: | ||
| Average total assets | $97,708,000 | 4,176 |
| Average earning assets | $89,650,500 | 4,196 |
| Average equity | $22,727,000 | 2,853 |
| Average total loans | $55,510,500 | 4,243 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4346% | 362 |
| Cost of funding earning assets | 0.2955% | 4,446 |
| Net interest margin | 5.1391% | 191 |
| Noninterest income to average assets | 0.2854% | 4,269 |
| Noninterest expense to average assets | 2.6559% | 3,148 |
| Loan and lease loss provision to assets | 0.2038% | 835 |
| Net operating income to assets | 2.0424% | 347 |
| Return on assets (ROA) | 2.0424% | 344 |
| Pretax return on assets | 2.1402% | 444 |
| Return on Equity (ROE) | 8.7958% | 3,119 |
| Retained earnings to average equity (ytd only) | 2.6422% | 4,196 |
| Net charge-offs to loans | 0.3374% | 476 |
| Credit loss provision to net charge-offs | 107.5269% | 1,925 |
| Earnings coverage of net charge-offs (x) | 12.3656% | 2,211 |
| Efficiency ratio | 53.1186% | 4,771 |
| Assets per employee ($millions) | 5.8536% | 1,597 |
| Cash dividends to net income (ytd only)* | 69.9601% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,342 |
| Loan loss allowance to noncurrent loans | 56.9124% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 4.3925% | 115 |
| Noncurrent loans to loans | 1.5816% | 1,031 |
| Net loans and leases to total assets | 54.6533% | 4,277 |
| Net loans and leases to deposits | 71.0232% | 3,780 |
| Net loans and leases to core deposits | 71.2726% | 4,063 |
| Total domestic deposits to total assets | 76.9513% | 4,742 |
| Equity capital to assets | 22.7412% | 146 |
| Core capital (leverage) ratio | 21.7131% | 170 |
| Tier 1 risk-based capital ratio | 24.5471% | 784 |
| Total risk-based capital ratio | 25.1064% | 815 |
| Memoranda: | ||
| Average total assets | $98,121,670 | 4,206 |
| Average earning assets | $90,015,000 | 4,222 |
| Average equity | $22,783,670 | 2,857 |
| Average total loans | $55,129,670 | 4,280 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 271 |
| Cost of funding earning assets | 0.2759% | 4,539 |
| Net interest margin | 5.2337% | 153 |
| Noninterest income to average assets | 0.4311% | 3,233 |
| Noninterest expense to average assets | 2.7590% | 2,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.3977% | 173 |
| Return on assets (ROA) | 2.3977% | 175 |
| Pretax return on assets | 2.5003% | 213 |
| Return on Equity (ROE) | 10.2185% | 2,327 |
| Retained earnings to average equity (ytd only) | 10.2185% | 1,098 |
| Net charge-offs to loans | 0.6877% | 218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.4105% | 2,162 |
| Efficiency ratio | 52.4590% | 4,930 |
| Assets per employee ($millions) | 5.7055% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 5,020 |
| Loan loss allowance to noncurrent loans | 9.2235% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 7.1634% | 44 |
| Noncurrent loans to loans | 7.6567% | 56 |
| Net loans and leases to total assets | 56.8237% | 4,045 |
| Net loans and leases to deposits | 74.7261% | 3,338 |
| Net loans and leases to core deposits | 74.9986% | 3,741 |
| Total domestic deposits to total assets | 76.0426% | 4,959 |
| Equity capital to assets | 23.6254% | 128 |
| Core capital (leverage) ratio | 22.5775% | 138 |
| Tier 1 risk-based capital ratio | 24.9633% | 752 |
| Total risk-based capital ratio | 25.4089% | 802 |
| Memoranda: | ||
| Average total assets | $97,427,000 | 4,257 |
| Average earning assets | $89,878,500 | 4,270 |
| Average equity | $22,860,500 | 2,880 |
| Average total loans | $55,254,500 | 4,321 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 384 |
| Cost of funding earning assets | 0.2881% | 4,243 |
| Net interest margin | 4.9853% | 243 |
| Noninterest income to average assets | 0.4190% | 3,508 |
| Noninterest expense to average assets | 2.6611% | 3,255 |
| Loan and lease loss provision to assets | 0.2132% | 934 |
| Net operating income to assets | 2.0139% | 276 |
| Return on assets (ROA) | 2.0139% | 280 |
| Pretax return on assets | 2.1195% | 380 |
| Return on Equity (ROE) | 8.4339% | 2,588 |
| Retained earnings to average equity (ytd only) | 2.1699% | 4,022 |
| Net charge-offs to loans | 0.5544% | 417 |
| Credit loss provision to net charge-offs | 66.4452% | 3,143 |
| Earnings coverage of net charge-offs (x) | 7.2691% | 3,063 |
| Efficiency ratio | 53.2878% | 5,010 |
| Assets per employee ($millions) | 5.7565% | 1,704 |
| Cash dividends to net income (ytd only)* | 74.2721% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,544 |
| Loan loss allowance to noncurrent loans | 34.0798% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 4.0660% | 144 |
| Noncurrent loans to loans | 2.5981% | 502 |
| Net loans and leases to total assets | 55.7066% | 4,218 |
| Net loans and leases to deposits | 72.9425% | 3,604 |
| Net loans and leases to core deposits | 73.2040% | 3,953 |
| Total domestic deposits to total assets | 76.3706% | 4,934 |
| Equity capital to assets | 23.3045% | 127 |
| Core capital (leverage) ratio | 22.7331% | 126 |
| Tier 1 risk-based capital ratio | 24.3602% | 788 |
| Total risk-based capital ratio | 24.9151% | 831 |
| Memoranda: | ||
| Average total assets | $93,797,400 | 4,348 |
| Average earning assets | $86,073,400 | 4,360 |
| Average equity | $22,397,600 | 2,911 |
| Average total loans | $54,293,400 | 4,354 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2428% | 387 |
| Cost of funding earning assets | 0.2902% | 4,229 |
| Net interest margin | 4.9525% | 248 |
| Noninterest income to average assets | 0.4225% | 3,539 |
| Noninterest expense to average assets | 2.5292% | 3,631 |
| Loan and lease loss provision to assets | 0.2874% | 556 |
| Net operating income to assets | 2.0262% | 306 |
| Return on assets (ROA) | 2.0262% | 311 |
| Pretax return on assets | 2.1426% | 412 |
| Return on Equity (ROE) | 8.4320% | 2,914 |
| Retained earnings to average equity (ytd only) | 2.1409% | 4,580 |
| Net charge-offs to loans | 0.7391% | 254 |
| Credit loss provision to net charge-offs | 66.6667% | 2,728 |
| Earnings coverage of net charge-offs (x) | 5.6367% | 3,077 |
| Efficiency ratio | 50.9997% | 5,180 |
| Assets per employee ($millions) | 5.4397% | 1,981 |
| Cash dividends to net income (ytd only)* | 74.6100% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 4,621 |
| Loan loss allowance to noncurrent loans | 21.4411% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 4.6705% | 124 |
| Noncurrent loans to loans | 4.1306% | 229 |
| Net loans and leases to total assets | 59.0570% | 3,959 |
| Net loans and leases to deposits | 78.9684% | 3,072 |
| Net loans and leases to core deposits | 79.2745% | 3,512 |
| Total domestic deposits to total assets | 74.7856% | 5,153 |
| Equity capital to assets | 24.5018% | 113 |
| Core capital (leverage) ratio | 22.7572% | 133 |
| Tier 1 risk-based capital ratio | 24.7064% | 787 |
| Total risk-based capital ratio | 25.2738% | 828 |
| Memoranda: | ||
| Average total assets | $92,781,500 | 4,414 |
| Average earning assets | $84,991,250 | 4,419 |
| Average equity | $22,295,500 | 2,944 |
| Average total loans | $54,116,250 | 4,393 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1820% | 410 |
| Cost of funding earning assets | 0.2899% | 4,185 |
| Net interest margin | 4.8922% | 267 |
| Noninterest income to average assets | 0.4199% | 3,568 |
| Noninterest expense to average assets | 2.5580% | 3,557 |
| Loan and lease loss provision to assets | 0.3230% | 459 |
| Net operating income to assets | 1.8927% | 379 |
| Return on assets (ROA) | 1.8927% | 389 |
| Pretax return on assets | 2.0090% | 518 |
| Return on Equity (ROE) | 7.9280% | 3,072 |
| Retained earnings to average equity (ytd only) | 1.6054% | 4,614 |
| Net charge-offs to loans | 0.5986% | 331 |
| Credit loss provision to net charge-offs | 93.1677% | 2,108 |
| Earnings coverage of net charge-offs (x) | 6.7267% | 2,673 |
| Efficiency ratio | 52.3118% | 5,156 |
| Assets per employee ($millions) | 5.6647% | 1,735 |
| Cash dividends to net income (ytd only)* | 79.7497% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,698 |
| Loan loss allowance to noncurrent loans | 29.2596% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 4.4372% | 140 |
| Noncurrent loans to loans | 3.6863% | 284 |
| Net loans and leases to total assets | 54.9522% | 4,318 |
| Net loans and leases to deposits | 72.2335% | 3,716 |
| Net loans and leases to core deposits | 72.4967% | 4,054 |
| Total domestic deposits to total assets | 76.0758% | 5,084 |
| Equity capital to assets | 23.1537% | 126 |
| Core capital (leverage) ratio | 22.5919% | 130 |
| Tier 1 risk-based capital ratio | 24.6536% | 792 |
| Total risk-based capital ratio | 25.3288% | 821 |
| Memoranda: | ||
| Average total assets | $92,883,670 | 4,441 |
| Average earning assets | $84,870,330 | 4,447 |
| Average equity | $22,174,670 | 2,953 |
| Average total loans | $53,788,000 | 4,428 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2626% | 340 |
| Cost of funding earning assets | 0.2881% | 4,162 |
| Net interest margin | 4.9745% | 233 |
| Noninterest income to average assets | 0.4080% | 3,601 |
| Noninterest expense to average assets | 2.5709% | 3,586 |
| Loan and lease loss provision to assets | 0.3290% | 374 |
| Net operating income to assets | 1.9347% | 340 |
| Return on assets (ROA) | 1.9347% | 354 |
| Pretax return on assets | 2.0532% | 458 |
| Return on Equity (ROE) | 7.9770% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.9770% | 1,469 |
| Net charge-offs to loans | 1.2089% | 147 |
| Credit loss provision to net charge-offs | 46.0123% | 2,020 |
| Earnings coverage of net charge-offs (x) | 3.3313% | 2,496 |
| Efficiency ratio | 51.9043% | 5,272 |
| Assets per employee ($millions) | 5.3941% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,642 |
| Loan loss allowance to noncurrent loans | 19.0694% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 5.3970% | 98 |
| Noncurrent loans to loans | 4.8752% | 172 |
| Net loans and leases to total assets | 58.1053% | 3,961 |
| Net loans and leases to deposits | 77.9866% | 2,966 |
| Net loans and leases to core deposits | 78.2914% | 3,442 |
| Total domestic deposits to total assets | 74.5068% | 5,377 |
| Equity capital to assets | 24.4070% | 111 |
| Core capital (leverage) ratio | 23.6636% | 116 |
| Tier 1 risk-based capital ratio | 25.0478% | 767 |
| Total risk-based capital ratio | 25.6349% | 809 |
| Memoranda: | ||
| Average total assets | $91,175,500 | 4,518 |
| Average earning assets | $83,305,000 | 4,520 |
| Average equity | $22,113,500 | 2,975 |
| Average total loans | $53,934,000 | 4,457 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3839% | 303 |
| Cost of funding earning assets | 0.3067% | 3,993 |
| Net interest margin | 5.0772% | 222 |
| Noninterest income to average assets | 0.6118% | 2,599 |
| Noninterest expense to average assets | 2.6951% | 3,352 |
| Loan and lease loss provision to assets | 0.3277% | 547 |
| Net operating income to assets | 2.1418% | 250 |
| Return on assets (ROA) | 2.2767% | 217 |
| Pretax return on assets | 2.3969% | 231 |
| Return on Equity (ROE) | 9.3283% | 2,260 |
| Retained earnings to average equity (ytd only) | 3.0483% | 3,730 |
| Net charge-offs to loans | 0.6553% | 336 |
| Credit loss provision to net charge-offs | 84.7458% | 2,899 |
| Earnings coverage of net charge-offs (x) | 6.6780% | 3,137 |
| Efficiency ratio | 51.0660% | 5,431 |
| Assets per employee ($millions) | 5.3325% | 2,025 |
| Cash dividends to net income (ytd only)* | 67.3225% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,782 |
| Loan loss allowance to noncurrent loans | 35.3791% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 4.1874% | 173 |
| Noncurrent loans to loans | 3.0729% | 436 |
| Net loans and leases to total assets | 59.0147% | 3,961 |
| Net loans and leases to deposits | 78.9837% | 2,994 |
| Net loans and leases to core deposits | 79.2939% | 3,455 |
| Total domestic deposits to total assets | 74.7176% | 5,380 |
| Equity capital to assets | 24.0988% | 114 |
| Core capital (leverage) ratio | 22.6948% | 125 |
| Tier 1 risk-based capital ratio | 24.5881% | 806 |
| Total risk-based capital ratio | 25.2801% | 845 |
| Memoranda: | ||
| Average total assets | $91,535,000 | 4,521 |
| Average earning assets | $84,121,400 | 4,515 |
| Average equity | $22,340,600 | 2,959 |
| Average total loans | $54,022,600 | 4,456 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5430% | 234 |
| Cost of funding earning assets | 0.3094% | 3,983 |
| Net interest margin | 5.2335% | 162 |
| Noninterest income to average assets | 0.6452% | 2,452 |
| Noninterest expense to average assets | 2.5139% | 3,946 |
| Loan and lease loss provision to assets | 0.3269% | 502 |
| Net operating income to assets | 2.5065% | 155 |
| Return on assets (ROA) | 2.6098% | 143 |
| Pretax return on assets | 2.7289% | 156 |
| Return on Equity (ROE) | 10.6596% | 1,803 |
| Retained earnings to average equity (ytd only) | 4.4158% | 3,191 |
| Net charge-offs to loans | 0.8690% | 211 |
| Credit loss provision to net charge-offs | 63.9205% | 2,869 |
| Earnings coverage of net charge-offs (x) | 5.7642% | 3,084 |
| Efficiency ratio | 46.0229% | 5,668 |
| Assets per employee ($millions) | 5.4008% | 1,949 |
| Cash dividends to net income (ytd only)* | 58.5745% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,660 |
| Loan loss allowance to noncurrent loans | 28.3747% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 3.7968% | 235 |
| Noncurrent loans to loans | 3.3496% | 404 |
| Net loans and leases to total assets | 58.4551% | 4,054 |
| Net loans and leases to deposits | 79.4217% | 3,035 |
| Net loans and leases to core deposits | 79.7344% | 3,471 |
| Total domestic deposits to total assets | 73.6010% | 5,469 |
| Equity capital to assets | 24.9973% | 105 |
| Core capital (leverage) ratio | 22.6332% | 130 |
| Tier 1 risk-based capital ratio | 24.4601% | 862 |
| Total risk-based capital ratio | 25.0613% | 903 |
| Memoranda: | ||
| Average total assets | $91,755,750 | 4,553 |
| Average earning assets | $84,453,500 | 4,543 |
| Average equity | $22,464,250 | 2,969 |
| Average total loans | $54,006,750 | 4,494 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4880% | 263 |
| Cost of funding earning assets | 0.3133% | 3,984 |
| Net interest margin | 5.1746% | 178 |
| Noninterest income to average assets | 0.7500% | 1,938 |
| Noninterest expense to average assets | 2.5660% | 3,831 |
| Loan and lease loss provision to assets | 0.3270% | 514 |
| Net operating income to assets | 2.5001% | 152 |
| Return on assets (ROA) | 2.6445% | 123 |
| Pretax return on assets | 2.7601% | 147 |
| Return on Equity (ROE) | 10.8779% | 1,694 |
| Retained earnings to average equity (ytd only) | 4.5915% | 2,983 |
| Net charge-offs to loans | 0.2780% | 862 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 17.9600% | 1,849 |
| Efficiency ratio | 46.6323% | 5,727 |
| Assets per employee ($millions) | 5.4202% | 1,866 |
| Cash dividends to net income (ytd only)* | 57.7906% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 2,582 |
| Loan loss allowance to noncurrent loans | 29.5914% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 4.4431% | 179 |
| Noncurrent loans to loans | 4.5208% | 225 |
| Net loans and leases to total assets | 57.3891% | 4,180 |
| Net loans and leases to deposits | 76.5644% | 3,320 |
| Net loans and leases to core deposits | 76.8582% | 3,750 |
| Total domestic deposits to total assets | 74.9552% | 5,417 |
| Equity capital to assets | 24.8364% | 104 |
| Core capital (leverage) ratio | 22.6241% | 122 |
| Tier 1 risk-based capital ratio | 31.6419% | 430 |
| Total risk-based capital ratio | 32.7368% | 431 |
| Memoranda: | ||
| Average total assets | $91,736,330 | 4,590 |
| Average earning assets | $84,257,000 | 4,582 |
| Average equity | $22,302,000 | 2,993 |
| Average total loans | $53,947,330 | 4,531 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6233% | 218 |
| Cost of funding earning assets | 0.3129% | 4,028 |
| Net interest margin | 5.3103% | 148 |
| Noninterest income to average assets | 1.1100% | 887 |
| Noninterest expense to average assets | 2.5608% | 3,879 |
| Loan and lease loss provision to assets | 0.3278% | 466 |
| Net operating income to assets | 3.0563% | 91 |
| Return on assets (ROA) | 3.3518% | 73 |
| Pretax return on assets | 3.4173% | 100 |
| Return on Equity (ROE) | 13.9388% | 845 |
| Retained earnings to average equity (ytd only) | 13.9388% | 323 |
| Net charge-offs to loans | 0.5839% | 381 |
| Credit loss provision to net charge-offs | 94.9367% | 1,718 |
| Earnings coverage of net charge-offs (x) | 9.9747% | 1,952 |
| Efficiency ratio | 42.6492% | 5,902 |
| Assets per employee ($millions) | 5.3303% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,378 |
| Loan loss allowance to noncurrent loans | 22.9662% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 4.9363% | 165 |
| Noncurrent loans to loans | 5.3020% | 176 |
| Net loans and leases to total assets | 57.1175% | 4,136 |
| Net loans and leases to deposits | 76.2905% | 3,187 |
| Net loans and leases to core deposits | 76.5885% | 3,626 |
| Total domestic deposits to total assets | 74.8684% | 5,534 |
| Equity capital to assets | 24.9308% | 94 |
| Core capital (leverage) ratio | 22.9751% | 117 |
| Tier 1 risk-based capital ratio | 32.6195% | 407 |
| Total risk-based capital ratio | 33.6117% | 408 |
| Memoranda: | ||
| Average total assets | $91,533,000 | 4,629 |
| Average earning assets | $84,364,000 | 4,607 |
| Average equity | $22,010,500 | 3,029 |
| Average total loans | $54,122,500 | 4,549 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5156% | 257 |
| Cost of funding earning assets | 0.3362% | 3,833 |
| Net interest margin | 5.1794% | 194 |
| Noninterest income to average assets | 0.6538% | 2,441 |
| Noninterest expense to average assets | 2.6097% | 3,888 |
| Loan and lease loss provision to assets | 0.3342% | 472 |
| Net operating income to assets | 2.3882% | 177 |
| Return on assets (ROA) | 2.3903% | 182 |
| Pretax return on assets | 2.5162% | 198 |
| Return on Equity (ROE) | 10.1508% | 1,959 |
| Retained earnings to average equity (ytd only) | 3.9591% | 3,216 |
| Net charge-offs to loans | 0.5423% | 470 |
| Credit loss provision to net charge-offs | 99.6678% | 2,561 |
| Earnings coverage of net charge-offs (x) | 8.4950% | 2,940 |
| Efficiency ratio | 47.8163% | 5,850 |
| Assets per employee ($millions) | 5.1362% | 2,193 |
| Cash dividends to net income (ytd only)* | 60.9972% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,757 |
| Loan loss allowance to noncurrent loans | 16.8151% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 5.9902% | 134 |
| Noncurrent loans to loans | 6.8362% | 109 |
| Net loans and leases to total assets | 59.7160% | 3,877 |
| Net loans and leases to deposits | 80.7772% | 2,734 |
| Net loans and leases to core deposits | 81.0893% | 3,236 |
| Total domestic deposits to total assets | 73.9267% | 5,656 |
| Equity capital to assets | 23.1798% | 117 |
| Core capital (leverage) ratio | 21.7699% | 138 |
| Tier 1 risk-based capital ratio | 30.1771% | 497 |
| Total risk-based capital ratio | 31.1358% | 501 |
| Memoranda: | ||
| Average total assets | $89,779,400 | 4,681 |
| Average earning assets | $83,272,200 | 4,652 |
| Average equity | $21,141,200 | 3,055 |
| Average total loans | $55,507,200 | 4,516 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4885% | 272 |
| Cost of funding earning assets | 0.3398% | 3,861 |
| Net interest margin | 5.1486% | 193 |
| Noninterest income to average assets | 0.6553% | 2,450 |
| Noninterest expense to average assets | 2.4688% | 4,287 |
| Loan and lease loss provision to assets | 0.3366% | 403 |
| Net operating income to assets | 2.5556% | 153 |
| Return on assets (ROA) | 2.5585% | 156 |
| Pretax return on assets | 2.6363% | 198 |
| Return on Equity (ROE) | 10.8213% | 1,777 |
| Retained earnings to average equity (ytd only) | 4.6070% | 3,193 |
| Net charge-offs to loans | 0.0577% | 2,774 |
| Credit loss provision to net charge-offs | 937.5000% | 388 |
| Earnings coverage of net charge-offs (x) | 82.7063% | 725 |
| Efficiency ratio | 45.3920% | 5,985 |
| Assets per employee ($millions) | 5.3042% | 1,952 |
| Cash dividends to net income (ytd only)* | 57.4269% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 2,017 |
| Loan loss allowance to noncurrent loans | 35.9915% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 4.6567% | 229 |
| Noncurrent loans to loans | 4.2639% | 277 |
| Net loans and leases to total assets | 60.0541% | 3,878 |
| Net loans and leases to deposits | 81.1704% | 2,745 |
| Net loans and leases to core deposits | 81.4916% | 3,310 |
| Total domestic deposits to total assets | 73.9853% | 5,712 |
| Equity capital to assets | 23.6448% | 118 |
| Core capital (leverage) ratio | 22.0548% | 133 |
| Tier 1 risk-based capital ratio | 30.2680% | 508 |
| Total risk-based capital ratio | 31.5178% | 500 |
| Memoranda: | ||
| Average total assets | $89,111,500 | 4,746 |
| Average earning assets | $82,790,000 | 4,717 |
| Average equity | $21,069,000 | 3,090 |
| Average total loans | $55,421,500 | 4,563 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3033% | 361 |
| Cost of funding earning assets | 0.3389% | 3,939 |
| Net interest margin | 4.9644% | 265 |
| Noninterest income to average assets | 0.6129% | 2,664 |
| Noninterest expense to average assets | 2.4696% | 4,331 |
| Loan and lease loss provision to assets | 0.3380% | 402 |
| Net operating income to assets | 2.3458% | 209 |
| Return on assets (ROA) | 2.3502% | 218 |
| Pretax return on assets | 2.4313% | 273 |
| Return on Equity (ROE) | 9.9404% | 2,098 |
| Retained earnings to average equity (ytd only) | 3.6979% | 3,672 |
| Net charge-offs to loans | 0.0108% | 3,531 |
| Credit loss provision to net charge-offs | 5,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 159 |
| Efficiency ratio | 47.1804% | 5,999 |
| Assets per employee ($millions) | 5.1709% | 2,068 |
| Cash dividends to net income (ytd only)* | 62.7996% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 2,661 |
| Loan loss allowance to noncurrent loans | 33.7463% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 4.6698% | 250 |
| Noncurrent loans to loans | 4.2091% | 339 |
| Net loans and leases to total assets | 62.3719% | 3,497 |
| Net loans and leases to deposits | 85.4538% | 2,115 |
| Net loans and leases to core deposits | 85.8042% | 2,788 |
| Total domestic deposits to total assets | 72.9890% | 5,871 |
| Equity capital to assets | 23.5470% | 117 |
| Core capital (leverage) ratio | 22.0672% | 130 |
| Tier 1 risk-based capital ratio | 29.7538% | 559 |
| Total risk-based capital ratio | 30.9433% | 552 |
| Memoranda: | ||
| Average total assets | $88,758,000 | 4,797 |
| Average earning assets | $82,628,330 | 4,767 |
| Average equity | $20,985,000 | 3,111 |
| Average total loans | $55,563,330 | 4,598 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 492 |
| Cost of funding earning assets | 0.3421% | 3,966 |
| Net interest margin | 4.7458% | 384 |
| Noninterest income to average assets | 0.5696% | 2,836 |
| Noninterest expense to average assets | 2.5475% | 4,110 |
| Loan and lease loss provision to assets | 0.3364% | 398 |
| Net operating income to assets | 2.0183% | 329 |
| Return on assets (ROA) | 2.0183% | 346 |
| Pretax return on assets | 2.1035% | 481 |
| Return on Equity (ROE) | 8.5195% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.5195% | 1,370 |
| Net charge-offs to loans | -0.0288% | 5,225 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0791% | 5,853 |
| Assets per employee ($millions) | 5.9235% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 3,438 |
| Loan loss allowance to noncurrent loans | 38.1003% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 3.9234% | 386 |
| Noncurrent loans to loans | 3.3950% | 583 |
| Net loans and leases to total assets | 62.0087% | 3,366 |
| Net loans and leases to deposits | 84.4318% | 2,011 |
| Net loans and leases to core deposits | 85.1772% | 2,635 |
| Total domestic deposits to total assets | 73.4424% | 5,947 |
| Equity capital to assets | 24.1064% | 105 |
| Core capital (leverage) ratio | 22.1852% | 131 |
| Tier 1 risk-based capital ratio | 29.7796% | 549 |
| Total risk-based capital ratio | 30.8642% | 550 |
| Memoranda: | ||
| Average total assets | $89,184,500 | 4,826 |
| Average earning assets | $83,021,500 | 4,797 |
| Average equity | $21,128,000 | 3,123 |
| Average total loans | $55,536,000 | 4,621 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8314% | 188 |
| Cost of funding earning assets | 0.3855% | 3,844 |
| Net interest margin | 5.4460% | 146 |
| Noninterest income to average assets | 0.8379% | 1,724 |
| Noninterest expense to average assets | 2.6285% | 4,122 |
| Loan and lease loss provision to assets | 0.7433% | 170 |
| Net operating income to assets | 2.4438% | 160 |
| Return on assets (ROA) | 2.4438% | 164 |
| Pretax return on assets | 2.5733% | 164 |
| Return on Equity (ROE) | 10.9313% | 1,741 |
| Retained earnings to average equity (ytd only) | 4.3373% | 3,101 |
| Net charge-offs to loans | 2.4948% | 59 |
| Credit loss provision to net charge-offs | 46.3809% | 3,562 |
| Earnings coverage of net charge-offs (x) | 2.0696% | 4,256 |
| Efficiency ratio | 43.6636% | 6,330 |
| Assets per employee ($millions) | 5.5948% | 1,691 |
| Cash dividends to net income (ytd only)* | 60.3226% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 4,201 |
| Loan loss allowance to noncurrent loans | 29.9070% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 3.9512% | 426 |
| Noncurrent loans to loans | 3.8911% | 492 |
| Net loans and leases to total assets | 61.0063% | 3,636 |
| Net loans and leases to deposits | 82.0959% | 2,457 |
| Net loans and leases to core deposits | 83.1218% | 2,980 |
| Total domestic deposits to total assets | 74.3110% | 5,922 |
| Equity capital to assets | 23.2771% | 125 |
| Core capital (leverage) ratio | 21.5190% | 154 |
| Tier 1 risk-based capital ratio | 32.1560% | 424 |
| Total risk-based capital ratio | 33.2232% | 420 |
| Memoranda: | ||
| Average total assets | $88,796,200 | 4,867 |
| Average earning assets | $83,272,600 | 4,813 |
| Average equity | $19,851,200 | 3,177 |
| Average total loans | $57,038,800 | 4,582 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9100% | 167 |
| Cost of funding earning assets | 0.3945% | 3,847 |
| Net interest margin | 5.5155% | 133 |
| Noninterest income to average assets | 0.9599% | 1,336 |
| Noninterest expense to average assets | 2.4826% | 4,583 |
| Loan and lease loss provision to assets | 0.3385% | 533 |
| Net operating income to assets | 3.2649% | 84 |
| Return on assets (ROA) | 3.2649% | 85 |
| Pretax return on assets | 3.3341% | 93 |
| Return on Equity (ROE) | 14.7580% | 873 |
| Retained earnings to average equity (ytd only) | 8.0795% | 1,318 |
| Net charge-offs to loans | 1.6676% | 131 |
| Credit loss provision to net charge-offs | 31.2935% | 3,436 |
| Earnings coverage of net charge-offs (x) | 3.3950% | 3,667 |
| Efficiency ratio | 39.6236% | 6,456 |
| Assets per employee ($millions) | 5.5226% | 1,708 |
| Cash dividends to net income (ytd only)* | 45.2535% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 2,174 |
| Loan loss allowance to noncurrent loans | 40.4076% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 4.1240% | 460 |
| Noncurrent loans to loans | 4.0529% | 514 |
| Net loans and leases to total assets | 61.9911% | 3,484 |
| Net loans and leases to deposits | 84.8872% | 2,048 |
| Net loans and leases to core deposits | 85.9798% | 2,669 |
| Total domestic deposits to total assets | 73.0277% | 6,093 |
| Equity capital to assets | 23.4798% | 125 |
| Core capital (leverage) ratio | 21.9986% | 142 |
| Tier 1 risk-based capital ratio | 32.6700% | 422 |
| Total risk-based capital ratio | 33.7529% | 418 |
| Memoranda: | ||
| Average total assets | $88,616,000 | 4,927 |
| Average earning assets | $83,471,750 | 4,855 |
| Average equity | $19,604,750 | 3,212 |
| Average total loans | $57,485,000 | 4,612 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9273% | 162 |
| Cost of funding earning assets | 0.4044% | 3,826 |
| Net interest margin | 5.5229% | 132 |
| Noninterest income to average assets | 1.2040% | 808 |
| Noninterest expense to average assets | 2.4915% | 4,600 |
| Loan and lease loss provision to assets | 0.3382% | 540 |
| Net operating income to assets | 3.5265% | 71 |
| Return on assets (ROA) | 3.5265% | 72 |
| Pretax return on assets | 3.5783% | 85 |
| Return on Equity (ROE) | 16.2713% | 630 |
| Retained earnings to average equity (ytd only) | 9.4569% | 847 |
| Net charge-offs to loans | 0.0034% | 4,270 |
| Credit loss provision to net charge-offs | 15,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 1,737.0000% | 22 |
| Efficiency ratio | 37.8607% | 6,553 |
| Assets per employee ($millions) | 5.6596% | 1,559 |
| Cash dividends to net income (ytd only)* | 41.8798% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6566% | 565 |
| Loan loss allowance to noncurrent loans | 47.1498% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 4.0993% | 507 |
| Noncurrent loans to loans | 5.6344% | 306 |
| Net loans and leases to total assets | 62.9223% | 3,248 |
| Net loans and leases to deposits | 86.0643% | 1,809 |
| Net loans and leases to core deposits | 87.1396% | 2,403 |
| Total domestic deposits to total assets | 73.1108% | 6,179 |
| Equity capital to assets | 22.3935% | 137 |
| Core capital (leverage) ratio | 21.3931% | 147 |
| Tier 1 risk-based capital ratio | 31.5534% | 460 |
| Total risk-based capital ratio | 32.8189% | 452 |
| Memoranda: | ||
| Average total assets | $88,701,000 | 4,958 |
| Average earning assets | $83,580,000 | 4,883 |
| Average equity | $19,224,000 | 3,252 |
| Average total loans | $58,084,000 | 4,612 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0044% | 143 |
| Cost of funding earning assets | 0.4071% | 3,879 |
| Net interest margin | 5.5973% | 116 |
| Noninterest income to average assets | 2.1054% | 306 |
| Noninterest expense to average assets | 2.5657% | 4,392 |
| Loan and lease loss provision to assets | 0.3418% | 524 |
| Net operating income to assets | 4.4341% | 54 |
| Return on assets (ROA) | 4.4341% | 57 |
| Pretax return on assets | 4.4614% | 72 |
| Return on Equity (ROE) | 20.8162% | 251 |
| Retained earnings to average equity (ytd only) | 20.8162% | 105 |
| Net charge-offs to loans | 0.0069% | 3,512 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,054.0000% | 23 |
| Efficiency ratio | 33.8899% | 6,655 |
| Assets per employee ($millions) | 5.5855% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4800% | 828 |
| Loan loss allowance to noncurrent loans | 37.3236% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 4.9302% | 421 |
| Noncurrent loans to loans | 6.6446% | 245 |
| Net loans and leases to total assets | 65.1654% | 2,704 |
| Net loans and leases to deposits | 88.2299% | 1,332 |
| Net loans and leases to core deposits | 89.3356% | 1,974 |
| Total domestic deposits to total assets | 73.8587% | 6,254 |
| Equity capital to assets | 21.9710% | 146 |
| Core capital (leverage) ratio | 22.3783% | 127 |
| Tier 1 risk-based capital ratio | 30.8399% | 488 |
| Total risk-based capital ratio | 32.1022% | 484 |
| Memoranda: | ||
| Average total assets | $87,775,000 | 5,024 |
| Average earning assets | $82,539,500 | 4,956 |
| Average equity | $18,697,000 | 3,322 |
| Average total loans | $57,859,500 | 4,659 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8470% | 215 |
| Cost of funding earning assets | 0.5076% | 3,530 |
| Net interest margin | 5.3393% | 175 |
| Noninterest income to average assets | 0.4132% | 4,353 |
| Noninterest expense to average assets | 2.6191% | 4,392 |
| Loan and lease loss provision to assets | 0.6829% | 339 |
| Net operating income to assets | 2.0296% | 325 |
| Return on assets (ROA) | 2.0329% | 324 |
| Pretax return on assets | 2.1308% | 359 |
| Return on Equity (ROE) | 9.5727% | 2,293 |
| Retained earnings to average equity (ytd only) | 3.0551% | 4,055 |
| Net charge-offs to loans | 1.0086% | 575 |
| Credit loss provision to net charge-offs | 102.7397% | 2,357 |
| Earnings coverage of net charge-offs (x) | 4.2277% | 3,628 |
| Efficiency ratio | 47.0231% | 6,519 |
| Assets per employee ($millions) | 5.0695% | 2,104 |
| Cash dividends to net income (ytd only)* | 68.0851% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5107% | 820 |
| Loan loss allowance to noncurrent loans | 41.7582% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 4.4151% | 580 |
| Noncurrent loans to loans | 6.0124% | 343 |
| Net loans and leases to total assets | 63.3485% | 3,155 |
| Net loans and leases to deposits | 83.5195% | 1,996 |
| Net loans and leases to core deposits | 84.5962% | 2,601 |
| Total domestic deposits to total assets | 75.8488% | 6,112 |
| Equity capital to assets | 20.6064% | 180 |
| Core capital (leverage) ratio | 20.8871% | 163 |
| Tier 1 risk-based capital ratio | 30.7043% | 478 |
| Total risk-based capital ratio | 31.9684% | 471 |
| Memoranda: | ||
| Average total assets | $87,856,000 | 5,030 |
| Average earning assets | $82,538,200 | 4,965 |
| Average equity | $18,657,200 | 3,321 |
| Average total loans | $57,900,800 | 4,690 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8849% | 210 |
| Cost of funding earning assets | 0.5207% | 3,560 |
| Net interest margin | 5.3642% | 175 |
| Noninterest income to average assets | 0.3957% | 4,562 |
| Noninterest expense to average assets | 2.4891% | 4,756 |
| Loan and lease loss provision to assets | 0.3398% | 957 |
| Net operating income to assets | 2.4728% | 177 |
| Return on assets (ROA) | 2.4771% | 184 |
| Pretax return on assets | 2.6130% | 210 |
| Return on Equity (ROE) | 11.5805% | 1,629 |
| Retained earnings to average equity (ytd only) | 5.1406% | 2,977 |
| Net charge-offs to loans | 0.5733% | 1,099 |
| Credit loss provision to net charge-offs | 89.6414% | 2,646 |
| Earnings coverage of net charge-offs (x) | 7.7768% | 2,734 |
| Efficiency ratio | 44.5556% | 6,637 |
| Assets per employee ($millions) | 5.4389% | 1,687 |
| Cash dividends to net income (ytd only)* | 55.6098% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 1,069 |
| Loan loss allowance to noncurrent loans | 53.1749% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 3.5244% | 962 |
| Noncurrent loans to loans | 4.4783% | 725 |
| Net loans and leases to total assets | 64.3002% | 2,949 |
| Net loans and leases to deposits | 85.5243% | 1,669 |
| Net loans and leases to core deposits | 86.6782% | 2,325 |
| Total domestic deposits to total assets | 75.1836% | 6,259 |
| Equity capital to assets | 20.8922% | 181 |
| Core capital (leverage) ratio | 21.3900% | 150 |
| Tier 1 risk-based capital ratio | 30.1192% | 511 |
| Total risk-based capital ratio | 31.3837% | 507 |
| Memoranda: | ||
| Average total assets | $88,274,500 | 5,069 |
| Average earning assets | $82,967,250 | 4,998 |
| Average equity | $18,881,750 | 3,326 |
| Average total loans | $58,375,750 | 4,707 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8331% | 232 |
| Cost of funding earning assets | 0.5373% | 3,522 |
| Net interest margin | 5.2959% | 186 |
| Noninterest income to average assets | 0.3315% | 5,041 |
| Noninterest expense to average assets | 2.4850% | 4,788 |
| Loan and lease loss provision to assets | 0.3383% | 1,004 |
| Net operating income to assets | 2.3546% | 202 |
| Return on assets (ROA) | 2.3610% | 211 |
| Pretax return on assets | 2.4940% | 275 |
| Return on Equity (ROE) | 10.9546% | 1,824 |
| Retained earnings to average equity (ytd only) | 4.5932% | 3,342 |
| Net charge-offs to loans | -0.0409% | 6,198 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5626% | 6,655 |
| Assets per employee ($millions) | 5.4228% | 1,665 |
| Cash dividends to net income (ytd only)* | 58.0707% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7048% | 789 |
| Loan loss allowance to noncurrent loans | 55.7471% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 3.7850% | 966 |
| Noncurrent loans to loans | 4.8519% | 686 |
| Net loans and leases to total assets | 64.3435% | 2,863 |
| Net loans and leases to deposits | 84.1808% | 1,779 |
| Net loans and leases to core deposits | 85.3376% | 2,400 |
| Total domestic deposits to total assets | 76.4349% | 6,202 |
| Equity capital to assets | 21.1044% | 164 |
| Core capital (leverage) ratio | 21.0005% | 145 |
| Tier 1 risk-based capital ratio | 29.9564% | 523 |
| Total risk-based capital ratio | 31.2250% | 518 |
| Memoranda: | ||
| Average total assets | $88,691,670 | 5,085 |
| Average earning assets | $83,386,000 | 5,018 |
| Average equity | $19,115,330 | 3,315 |
| Average total loans | $58,727,330 | 4,716 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8664% | 207 |
| Cost of funding earning assets | 0.5501% | 3,568 |
| Net interest margin | 5.3163% | 166 |
| Noninterest income to average assets | 0.5086% | 3,717 |
| Noninterest expense to average assets | 2.3021% | 5,417 |
| Loan and lease loss provision to assets | 0.3346% | 1,004 |
| Net operating income to assets | 2.7528% | 125 |
| Return on assets (ROA) | 2.7528% | 132 |
| Pretax return on assets | 2.8732% | 178 |
| Return on Equity (ROE) | 12.6451% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.6451% | 603 |
| Net charge-offs to loans | -0.0808% | 6,356 |
| Credit loss provision to net charge-offs | -625.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5668% | 6,862 |
| Assets per employee ($millions) | 5.5135% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5703% | 1,041 |
| Loan loss allowance to noncurrent loans | 51.6434% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 4.1319% | 944 |
| Noncurrent loans to loans | 4.9769% | 770 |
| Net loans and leases to total assets | 63.4669% | 2,809 |
| Net loans and leases to deposits | 81.9221% | 1,842 |
| Net loans and leases to core deposits | 82.6001% | 2,500 |
| Total domestic deposits to total assets | 77.4723% | 6,194 |
| Equity capital to assets | 22.4234% | 140 |
| Core capital (leverage) ratio | 20.3107% | 177 |
| Tier 1 risk-based capital ratio | 30.0675% | 529 |
| Total risk-based capital ratio | 31.2645% | 522 |
| Memoranda: | ||
| Average total assets | $89,655,500 | 5,107 |
| Average earning assets | $84,345,000 | 5,032 |
| Average equity | $19,517,500 | 3,314 |
| Average total loans | $59,401,500 | 4,724 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9716% | 274 |
| Cost of funding earning assets | 0.6696% | 3,744 |
| Net interest margin | 5.3020% | 233 |
| Noninterest income to average assets | 0.2951% | 5,356 |
| Noninterest expense to average assets | 2.4968% | 5,108 |
| Loan and lease loss provision to assets | 0.3419% | 1,962 |
| Net operating income to assets | 2.2908% | 215 |
| Return on assets (ROA) | 2.3612% | 205 |
| Pretax return on assets | 2.4934% | 258 |
| Return on Equity (ROE) | 11.2906% | 1,717 |
| Retained earnings to average equity (ytd only) | 4.6644% | 2,931 |
| Net charge-offs to loans | 0.4845% | 2,299 |
| Credit loss provision to net charge-offs | 100.3344% | 3,020 |
| Earnings coverage of net charge-offs (x) | 8.1037% | 2,471 |
| Efficiency ratio | 46.2289% | 6,777 |
| Assets per employee ($millions) | 5.6934% | 1,523 |
| Cash dividends to net income (ytd only)* | 58.6873% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2661% | 1,426 |
| Loan loss allowance to noncurrent loans | 48.1135% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 4.7928% | 831 |
| Noncurrent loans to loans | 4.7100% | 882 |
| Net loans and leases to total assets | 65.8082% | 2,560 |
| Net loans and leases to deposits | 84.7501% | 1,668 |
| Net loans and leases to core deposits | 85.4240% | 2,386 |
| Total domestic deposits to total assets | 77.6497% | 6,133 |
| Equity capital to assets | 21.1362% | 179 |
| Core capital (leverage) ratio | 19.5244% | 210 |
| Tier 1 risk-based capital ratio | 27.3609% | 667 |
| Total risk-based capital ratio | 28.6235% | 651 |
| Memoranda: | ||
| Average total assets | $87,752,800 | 5,144 |
| Average earning assets | $82,139,200 | 5,067 |
| Average equity | $18,351,600 | 3,427 |
| Average total loans | $61,716,600 | 4,648 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 270 |
| Cost of funding earning assets | 0.6759% | 3,970 |
| Net interest margin | 5.3747% | 209 |
| Noninterest income to average assets | 0.2500% | 5,778 |
| Noninterest expense to average assets | 2.3393% | 5,575 |
| Loan and lease loss provision to assets | 0.3451% | 1,898 |
| Net operating income to assets | 2.4532% | 191 |
| Return on assets (ROA) | 2.5188% | 175 |
| Pretax return on assets | 2.6599% | 230 |
| Return on Equity (ROE) | 12.0781% | 1,607 |
| Retained earnings to average equity (ytd only) | 5.3697% | 3,113 |
| Net charge-offs to loans | 0.6450% | 1,699 |
| Credit loss provision to net charge-offs | 75.2508% | 3,761 |
| Earnings coverage of net charge-offs (x) | 6.4013% | 2,796 |
| Efficiency ratio | 43.0648% | 6,927 |
| Assets per employee ($millions) | 5.5944% | 1,547 |
| Cash dividends to net income (ytd only)* | 55.5420% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1340% | 1,843 |
| Loan loss allowance to noncurrent loans | 40.5922% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 4.4989% | 1,031 |
| Noncurrent loans to loans | 5.2571% | 835 |
| Net loans and leases to total assets | 67.4252% | 2,380 |
| Net loans and leases to deposits | 87.0204% | 1,481 |
| Net loans and leases to core deposits | 88.1156% | 2,202 |
| Total domestic deposits to total assets | 77.4821% | 6,167 |
| Equity capital to assets | 21.2745% | 193 |
| Core capital (leverage) ratio | 20.1795% | 203 |
| Tier 1 risk-based capital ratio | 27.3253% | 714 |
| Total risk-based capital ratio | 28.5840% | 693 |
| Memoranda: | ||
| Average total assets | $86,917,250 | 5,213 |
| Average earning assets | $81,267,000 | 5,133 |
| Average equity | $18,126,000 | 3,486 |
| Average total loans | $61,811,250 | 4,692 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0762% | 267 |
| Cost of funding earning assets | 0.6831% | 4,157 |
| Net interest margin | 5.3931% | 213 |
| Noninterest income to average assets | 0.4741% | 4,102 |
| Noninterest expense to average assets | 2.3125% | 5,698 |
| Loan and lease loss provision to assets | 0.3486% | 1,886 |
| Net operating income to assets | 2.7198% | 131 |
| Return on assets (ROA) | 2.8192% | 126 |
| Pretax return on assets | 2.9633% | 160 |
| Return on Equity (ROE) | 13.6137% | 1,205 |
| Retained earnings to average equity (ytd only) | 6.7900% | 2,223 |
| Net charge-offs to loans | -0.0032% | 6,124 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6737% | 7,053 |
| Assets per employee ($millions) | 5.5818% | 1,552 |
| Cash dividends to net income (ytd only)* | 50.1237% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5008% | 1,280 |
| Loan loss allowance to noncurrent loans | 35.7541% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 5.8628% | 738 |
| Noncurrent loans to loans | 6.9945% | 554 |
| Net loans and leases to total assets | 67.2709% | 2,410 |
| Net loans and leases to deposits | 90.3729% | 1,111 |
| Net loans and leases to core deposits | 91.6243% | 1,811 |
| Total domestic deposits to total assets | 74.4371% | 6,643 |
| Equity capital to assets | 20.9486% | 202 |
| Core capital (leverage) ratio | 20.3388% | 191 |
| Tier 1 risk-based capital ratio | 27.1472% | 713 |
| Total risk-based capital ratio | 28.3503% | 703 |
| Memoranda: | ||
| Average total assets | $86,052,670 | 5,275 |
| Average earning assets | $80,510,330 | 5,189 |
| Average equity | $17,820,330 | 3,521 |
| Average total loans | $61,858,670 | 4,715 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1599% | 243 |
| Cost of funding earning assets | 0.6962% | 4,314 |
| Net interest margin | 5.4637% | 196 |
| Noninterest income to average assets | 0.4975% | 3,925 |
| Noninterest expense to average assets | 2.4069% | 5,451 |
| Loan and lease loss provision to assets | 0.3553% | 1,769 |
| Net operating income to assets | 2.7196% | 136 |
| Return on assets (ROA) | 2.7196% | 162 |
| Pretax return on assets | 2.8665% | 209 |
| Return on Equity (ROE) | 13.2136% | 1,347 |
| Retained earnings to average equity (ytd only) | 13.2136% | 654 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4983% | 7,069 |
| Assets per employee ($millions) | 5.3304% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3677% | 1,558 |
| Loan loss allowance to noncurrent loans | 39.9345% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 5.3842% | 934 |
| Noncurrent loans to loans | 5.9290% | 847 |
| Net loans and leases to total assets | 70.7822% | 1,616 |
| Net loans and leases to deposits | 95.0513% | 596 |
| Net loans and leases to core deposits | 96.0402% | 1,298 |
| Total domestic deposits to total assets | 74.4674% | 6,704 |
| Equity capital to assets | 20.7077% | 202 |
| Core capital (leverage) ratio | 20.7864% | 169 |
| Tier 1 risk-based capital ratio | 25.1265% | 891 |
| Total risk-based capital ratio | 26.3864% | 874 |
| Memoranda: | ||
| Average total assets | $84,424,500 | 5,357 |
| Average earning assets | $79,287,000 | 5,260 |
| Average equity | $17,376,000 | 3,597 |
| Average total loans | $61,978,000 | 4,736 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2999% | 255 |
| Cost of funding earning assets | 0.8030% | 4,842 |
| Net interest margin | 5.4969% | 177 |
| Noninterest income to average assets | 0.5016% | 3,828 |
| Noninterest expense to average assets | 2.4758% | 5,552 |
| Loan and lease loss provision to assets | 0.3592% | 2,846 |
| Net operating income to assets | 2.7185% | 107 |
| Return on assets (ROA) | 2.8996% | 95 |
| Pretax return on assets | 2.9918% | 125 |
| Return on Equity (ROE) | 14.6451% | 804 |
| Retained earnings to average equity (ytd only) | 7.2923% | 1,365 |
| Net charge-offs to loans | 0.4850% | 3,058 |
| Credit loss provision to net charge-offs | 99.3377% | 3,598 |
| Earnings coverage of net charge-offs (x) | 8.7517% | 2,101 |
| Efficiency ratio | 42.6661% | 7,157 |
| Assets per employee ($millions) | 5.2226% | 1,916 |
| Cash dividends to net income (ytd only)* | 50.2064% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 1,733 |
| Loan loss allowance to noncurrent loans | 39.8451% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 5.2799% | 982 |
| Noncurrent loans to loans | 5.6114% | 936 |
| Net loans and leases to total assets | 72.6826% | 1,519 |
| Net loans and leases to deposits | 97.2943% | 606 |
| Net loans and leases to core deposits | 97.8460% | 1,341 |
| Total domestic deposits to total assets | 74.7038% | 6,649 |
| Equity capital to assets | 20.4531% | 208 |
| Core capital (leverage) ratio | 20.0763% | 199 |
| Tier 1 risk-based capital ratio | 23.7149% | 995 |
| Total risk-based capital ratio | 24.8278% | 1,000 |
| Memoranda: | ||
| Average total assets | $83,528,400 | 5,353 |
| Average earning assets | $78,081,000 | 5,292 |
| Average equity | $16,538,000 | 3,646 |
| Average total loans | $62,261,800 | 4,784 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2895% | 275 |
| Cost of funding earning assets | 0.8174% | 5,031 |
| Net interest margin | 5.4721% | 183 |
| Noninterest income to average assets | 0.4997% | 3,874 |
| Noninterest expense to average assets | 2.3323% | 5,951 |
| Loan and lease loss provision to assets | 0.3592% | 2,713 |
| Net operating income to assets | 2.7784% | 106 |
| Return on assets (ROA) | 2.8831% | 103 |
| Pretax return on assets | 3.0267% | 135 |
| Return on Equity (ROE) | 14.6828% | 899 |
| Retained earnings to average equity (ytd only) | 7.2682% | 1,826 |
| Net charge-offs to loans | -0.0342% | 6,985 |
| Credit loss provision to net charge-offs | -1,406.2500% | 6,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3359% | 7,252 |
| Assets per employee ($millions) | 5.2189% | 1,909 |
| Cash dividends to net income (ytd only)* | 50.4984% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6435% | 1,211 |
| Loan loss allowance to noncurrent loans | 29.9065% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 7.6728% | 610 |
| Noncurrent loans to loans | 8.8391% | 457 |
| Net loans and leases to total assets | 71.9794% | 1,705 |
| Net loans and leases to deposits | 96.3530% | 682 |
| Net loans and leases to core deposits | 97.5066% | 1,466 |
| Total domestic deposits to total assets | 74.7039% | 6,679 |
| Equity capital to assets | 20.0927% | 240 |
| Core capital (leverage) ratio | 20.1170% | 218 |
| Tier 1 risk-based capital ratio | 24.1437% | 997 |
| Total risk-based capital ratio | 25.3920% | 982 |
| Memoranda: | ||
| Average total assets | $83,520,000 | 5,387 |
| Average earning assets | $77,969,000 | 5,328 |
| Average equity | $16,399,750 | 3,673 |
| Average total loans | $62,296,250 | 4,823 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2577% | 296 |
| Cost of funding earning assets | 0.8267% | 5,207 |
| Net interest margin | 5.4310% | 197 |
| Noninterest income to average assets | 0.4981% | 3,869 |
| Noninterest expense to average assets | 2.3442% | 6,014 |
| Loan and lease loss provision to assets | 0.3592% | 2,634 |
| Net operating income to assets | 2.7369% | 128 |
| Return on assets (ROA) | 2.8279% | 115 |
| Pretax return on assets | 2.9715% | 145 |
| Return on Equity (ROE) | 14.5142% | 885 |
| Retained earnings to average equity (ytd only) | 7.0421% | 1,862 |
| Net charge-offs to loans | -0.0672% | 7,088 |
| Credit loss provision to net charge-offs | -714.2857% | 6,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7725% | 7,323 |
| Assets per employee ($millions) | 5.1079% | 1,981 |
| Cash dividends to net income (ytd only)* | 51.4818% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5553% | 1,356 |
| Loan loss allowance to noncurrent loans | 27.9328% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 8.2445% | 544 |
| Noncurrent loans to loans | 9.1479% | 451 |
| Net loans and leases to total assets | 72.8853% | 1,619 |
| Net loans and leases to deposits | 94.7976% | 819 |
| Net loans and leases to core deposits | 95.8902% | 1,693 |
| Total domestic deposits to total assets | 76.8852% | 6,467 |
| Equity capital to assets | 20.1414% | 252 |
| Core capital (leverage) ratio | 19.4251% | 247 |
| Tier 1 risk-based capital ratio | 24.0697% | 1,000 |
| Total risk-based capital ratio | 25.3042% | 982 |
| Memoranda: | ||
| Average total assets | $83,525,670 | 5,437 |
| Average earning assets | $78,144,330 | 5,368 |
| Average equity | $16,273,670 | 3,686 |
| Average total loans | $62,482,670 | 4,853 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1681% | 348 |
| Cost of funding earning assets | 0.8204% | 5,463 |
| Net interest margin | 5.3477% | 209 |
| Noninterest income to average assets | 0.5259% | 3,686 |
| Noninterest expense to average assets | 2.3548% | 6,037 |
| Loan and lease loss provision to assets | 0.3553% | 2,421 |
| Net operating income to assets | 2.6829% | 146 |
| Return on assets (ROA) | 2.7954% | 134 |
| Pretax return on assets | 2.9375% | 155 |
| Return on Equity (ROE) | 14.5859% | 889 |
| Retained earnings to average equity (ytd only) | 14.5859% | 426 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3025% | 7,367 |
| Assets per employee ($millions) | 5.2468% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3498% | 1,681 |
| Loan loss allowance to noncurrent loans | 36.0728% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 6.2061% | 915 |
| Noncurrent loans to loans | 6.5141% | 912 |
| Net loans and leases to total assets | 72.5703% | 1,597 |
| Net loans and leases to deposits | 94.7200% | 766 |
| Net loans and leases to core deposits | 95.9825% | 1,673 |
| Total domestic deposits to total assets | 76.6156% | 6,589 |
| Equity capital to assets | 19.6274% | 276 |
| Core capital (leverage) ratio | 19.0226% | 271 |
| Tier 1 risk-based capital ratio | 23.4703% | 1,029 |
| Total risk-based capital ratio | 24.7301% | 1,013 |
| Memoranda: | ||
| Average total assets | $84,425,000 | 5,456 |
| Average earning assets | $78,987,000 | 5,389 |
| Average equity | $16,180,000 | 3,695 |
| Average total loans | $63,159,500 | 4,865 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3412% | 427 |
| Cost of funding earning assets | 0.9556% | 5,907 |
| Net interest margin | 5.3856% | 206 |
| Noninterest income to average assets | 0.5357% | 3,916 |
| Noninterest expense to average assets | 2.4208% | 6,048 |
| Loan and lease loss provision to assets | 1.5895% | 907 |
| Net operating income to assets | 1.3816% | 984 |
| Return on assets (ROA) | 1.4106% | 996 |
| Pretax return on assets | 1.5472% | 1,259 |
| Return on Equity (ROE) | 7.3504% | 2,948 |
| Retained earnings to average equity (ytd only) | -0.1104% | 5,622 |
| Net charge-offs to loans | 0.9523% | 2,278 |
| Credit loss provision to net charge-offs | 219.1558% | 1,370 |
| Earnings coverage of net charge-offs (x) | 4.2808% | 2,985 |
| Efficiency ratio | 42.5740% | 7,449 |
| Assets per employee ($millions) | 5.3063% | 1,748 |
| Cash dividends to net income (ytd only)* | 101.5025% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 1,918 |
| Loan loss allowance to noncurrent loans | 35.9990% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 5.9022% | 1,017 |
| Noncurrent loans to loans | 6.0440% | 1,031 |
| Net loans and leases to total assets | 73.6623% | 1,733 |
| Net loans and leases to deposits | 96.8426% | 794 |
| Net loans and leases to core deposits | 97.5998% | 1,833 |
| Total domestic deposits to total assets | 76.0639% | 6,630 |
| Equity capital to assets | 18.7077% | 334 |
| Core capital (leverage) ratio | 18.3979% | 308 |
| Tier 1 risk-based capital ratio | 22.1633% | 1,148 |
| Total risk-based capital ratio | 23.4216% | 1,123 |
| Memoranda: | ||
| Average total assets | $84,929,800 | 5,445 |
| Average earning assets | $78,691,600 | 5,395 |
| Average equity | $16,298,400 | 3,704 |
| Average total loans | $64,686,400 | 4,880 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5044% | 341 |
| Cost of funding earning assets | 0.9858% | 6,004 |
| Net interest margin | 5.5187% | 170 |
| Noninterest income to average assets | 0.4694% | 4,420 |
| Noninterest expense to average assets | 2.2212% | 6,547 |
| Loan and lease loss provision to assets | 0.3532% | 3,787 |
| Net operating income to assets | 2.8507% | 92 |
| Return on assets (ROA) | 2.8507% | 98 |
| Pretax return on assets | 2.9919% | 122 |
| Return on Equity (ROE) | 14.7618% | 899 |
| Retained earnings to average equity (ytd only) | 7.3484% | 1,670 |
| Net charge-offs to loans | -0.0041% | 7,198 |
| Credit loss provision to net charge-offs | -11,250.0000% | 7,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6633% | 7,605 |
| Assets per employee ($millions) | 5.2536% | 1,868 |
| Cash dividends to net income (ytd only)* | 50.2203% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 4,606 |
| Loan loss allowance to noncurrent loans | 19.6878% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 6.6989% | 838 |
| Noncurrent loans to loans | 6.9783% | 812 |
| Net loans and leases to total assets | 75.4098% | 1,513 |
| Net loans and leases to deposits | 99.1584% | 710 |
| Net loans and leases to core deposits | 106.5506% | 1,280 |
| Total domestic deposits to total assets | 76.0499% | 6,644 |
| Equity capital to assets | 20.0112% | 287 |
| Core capital (leverage) ratio | 19.3292% | 280 |
| Tier 1 risk-based capital ratio | 23.4982% | 1,001 |
| Total risk-based capital ratio | 24.7492% | 979 |
| Memoranda: | ||
| Average total assets | $84,937,000 | 5,505 |
| Average earning assets | $78,447,000 | 5,469 |
| Average equity | $16,402,250 | 3,740 |
| Average total loans | $64,875,250 | 4,951 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5065% | 336 |
| Cost of funding earning assets | 1.0166% | 6,068 |
| Net interest margin | 5.4899% | 174 |
| Noninterest income to average assets | 0.4365% | 4,640 |
| Noninterest expense to average assets | 2.1847% | 6,685 |
| Loan and lease loss provision to assets | 0.3520% | 3,610 |
| Net operating income to assets | 2.8276% | 98 |
| Return on assets (ROA) | 2.8276% | 101 |
| Pretax return on assets | 2.9684% | 130 |
| Return on Equity (ROE) | 14.8192% | 888 |
| Retained earnings to average equity (ytd only) | 7.3420% | 1,697 |
| Net charge-offs to loans | -0.0061% | 7,133 |
| Credit loss provision to net charge-offs | -7,500.0000% | 7,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4484% | 7,669 |
| Assets per employee ($millions) | 5.3593% | 1,746 |
| Cash dividends to net income (ytd only)* | 50.4564% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 5,108 |
| Loan loss allowance to noncurrent loans | 18.5576% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 6.3103% | 913 |
| Noncurrent loans to loans | 6.8168% | 852 |
| Net loans and leases to total assets | 73.5449% | 2,015 |
| Net loans and leases to deposits | 98.1296% | 865 |
| Net loans and leases to core deposits | 105.5889% | 1,488 |
| Total domestic deposits to total assets | 74.9466% | 6,863 |
| Equity capital to assets | 19.2550% | 327 |
| Core capital (leverage) ratio | 18.9302% | 296 |
| Tier 1 risk-based capital ratio | 23.3679% | 1,017 |
| Total risk-based capital ratio | 24.5288% | 1,006 |
| Memoranda: | ||
| Average total assets | $85,230,000 | 5,525 |
| Average earning assets | $78,690,670 | 5,486 |
| Average equity | $16,262,670 | 3,758 |
| Average total loans | $65,076,670 | 4,976 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4846% | 366 |
| Cost of funding earning assets | 1.0672% | 6,059 |
| Net interest margin | 5.4174% | 206 |
| Noninterest income to average assets | 0.3672% | 5,206 |
| Noninterest expense to average assets | 2.1466% | 6,817 |
| Loan and lease loss provision to assets | 0.3531% | 3,265 |
| Net operating income to assets | 2.7445% | 112 |
| Return on assets (ROA) | 2.7445% | 117 |
| Pretax return on assets | 2.8857% | 151 |
| Return on Equity (ROE) | 14.4499% | 962 |
| Retained earnings to average equity (ytd only) | 14.4499% | 456 |
| Net charge-offs to loans | -0.0061% | 6,828 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5490% | 7,764 |
| Assets per employee ($millions) | 5.2438% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,918 |
| Loan loss allowance to noncurrent loans | 17.0074% | 7,150 |
| Noncurrent assets plus other real estate owned to assets | 6.5602% | 866 |
| Noncurrent loans to loans | 6.5815% | 943 |
| Net loans and leases to total assets | 77.0715% | 1,316 |
| Net loans and leases to deposits | 108.6152% | 325 |
| Net loans and leases to core deposits | 110.3219% | 1,250 |
| Total domestic deposits to total assets | 70.9583% | 7,346 |
| Equity capital to assets | 19.6234% | 305 |
| Core capital (leverage) ratio | 19.2192% | 298 |
| Tier 1 risk-based capital ratio | 23.0246% | 1,077 |
| Total risk-based capital ratio | 24.0626% | 1,076 |
| Memoranda: | ||
| Average total assets | $84,970,500 | 5,599 |
| Average earning assets | $78,709,000 | 5,554 |
| Average equity | $16,138,500 | 3,809 |
| Average total loans | $65,679,000 | 5,007 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4184% | 794 |
| Cost of funding earning assets | 1.4718% | 5,626 |
| Net interest margin | 4.9467% | 501 |
| Noninterest income to average assets | 0.6463% | 3,317 |
| Noninterest expense to average assets | 2.5155% | 6,074 |
| Loan and lease loss provision to assets | 0.0901% | 6,708 |
| Net operating income to assets | 2.4873% | 91 |
| Return on assets (ROA) | 2.5022% | 99 |
| Pretax return on assets | 2.6188% | 137 |
| Return on Equity (ROE) | 13.4777% | 873 |
| Retained earnings to average equity (ytd only) | 5.9139% | 1,382 |
| Net charge-offs to loans | 0.0033% | 7,204 |
| Credit loss provision to net charge-offs | 3,750.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 1,121.0000% | 19 |
| Efficiency ratio | 46.9557% | 7,667 |
| Assets per employee ($millions) | 5.3776% | 1,763 |
| Cash dividends to net income (ytd only)* | 56.1210% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 6,417 |
| Loan loss allowance to noncurrent loans | 15.3576% | 7,246 |
| Noncurrent assets plus other real estate owned to assets | 6.7944% | 761 |
| Noncurrent loans to loans | 6.4855% | 927 |
| Net loans and leases to total assets | 75.9010% | 1,820 |
| Net loans and leases to deposits | 106.3096% | 537 |
| Net loans and leases to core deposits | 120.9818% | 1,882 |
| Total domestic deposits to total assets | 71.3962% | 7,296 |
| Equity capital to assets | 18.3784% | 420 |
| Core capital (leverage) ratio | 18.4431% | 369 |
| Tier 1 risk-based capital ratio | 21.8108% | 1,175 |
| Total risk-based capital ratio | 22.7271% | 1,193 |
| Memoranda: | ||
| Average total assets | $83,245,200 | 5,620 |
| Average earning assets | $76,779,000 | 5,567 |
| Average equity | $15,455,200 | 3,978 |
| Average total loans | $61,051,400 | 5,207 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3260% | 1,079 |
| Cost of funding earning assets | 1.5680% | 5,554 |
| Net interest margin | 4.7581% | 742 |
| Noninterest income to average assets | 0.5363% | 4,184 |
| Noninterest expense to average assets | 2.3388% | 6,598 |
| Loan and lease loss provision to assets | 0.0808% | 6,560 |
| Net operating income to assets | 2.3803% | 129 |
| Return on assets (ROA) | 2.4002% | 136 |
| Pretax return on assets | 2.5294% | 182 |
| Return on Equity (ROE) | 12.8941% | 1,132 |
| Retained earnings to average equity (ytd only) | 5.1889% | 2,382 |
| Net charge-offs to loans | -0.0245% | 7,781 |
| Credit loss provision to net charge-offs | -454.5455% | 7,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0177% | 7,769 |
| Assets per employee ($millions) | 5.5533% | 1,561 |
| Cash dividends to net income (ytd only)* | 59.7578% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 6,153 |
| Loan loss allowance to noncurrent loans | 17.2129% | 7,227 |
| Noncurrent assets plus other real estate owned to assets | 6.8679% | 704 |
| Noncurrent loans to loans | 5.9376% | 1,001 |
| Net loans and leases to total assets | 75.1032% | 2,223 |
| Net loans and leases to deposits | 107.5098% | 577 |
| Net loans and leases to core deposits | 122.8686% | 2,000 |
| Total domestic deposits to total assets | 69.8571% | 7,426 |
| Equity capital to assets | 18.6795% | 445 |
| Core capital (leverage) ratio | 18.3959% | 427 |
| Tier 1 risk-based capital ratio | 22.1701% | 1,205 |
| Total risk-based capital ratio | 23.1057% | 1,217 |
| Memoranda: | ||
| Average total assets | $82,546,250 | 5,674 |
| Average earning assets | $76,191,000 | 5,624 |
| Average equity | $15,365,750 | 4,035 |
| Average total loans | $59,823,500 | 5,298 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6177% | 643 |
| Cost of funding earning assets | 1.6702% | 5,422 |
| Net interest margin | 4.9475% | 490 |
| Noninterest income to average assets | 0.5541% | 4,002 |
| Noninterest expense to average assets | 2.2723% | 6,844 |
| Loan and lease loss provision to assets | 0.1215% | 5,903 |
| Net operating income to assets | 2.5934% | 94 |
| Return on assets (ROA) | 2.5980% | 104 |
| Pretax return on assets | 2.7292% | 143 |
| Return on Equity (ROE) | 13.9729% | 995 |
| Retained earnings to average equity (ytd only) | 6.0127% | 2,018 |
| Net charge-offs to loans | -0.0511% | 7,854 |
| Credit loss provision to net charge-offs | -333.3333% | 7,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0199% | 7,954 |
| Assets per employee ($millions) | 5.1571% | 1,908 |
| Cash dividends to net income (ytd only)* | 56.9691% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,718 |
| Loan loss allowance to noncurrent loans | 19.9938% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 6.6450% | 675 |
| Noncurrent loans to loans | 5.4131% | 1,078 |
| Net loans and leases to total assets | 71.8881% | 3,250 |
| Net loans and leases to deposits | 100.2857% | 1,260 |
| Net loans and leases to core deposits | 114.4939% | 2,855 |
| Total domestic deposits to total assets | 71.6832% | 7,280 |
| Equity capital to assets | 18.6601% | 485 |
| Core capital (leverage) ratio | 18.2178% | 484 |
| Tier 1 risk-based capital ratio | 22.7426% | 1,167 |
| Total risk-based capital ratio | 23.7166% | 1,158 |
| Memoranda: | ||
| Average total assets | $82,295,000 | 5,722 |
| Average earning assets | $75,917,330 | 5,675 |
| Average equity | $15,301,000 | 4,065 |
| Average total loans | $58,695,670 | 5,393 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5165% | 840 |
| Cost of funding earning assets | 1.7605% | 5,309 |
| Net interest margin | 4.7560% | 670 |
| Noninterest income to average assets | 0.5646% | 3,797 |
| Noninterest expense to average assets | 2.4481% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3902% | 161 |
| Return on assets (ROA) | 2.3994% | 186 |
| Pretax return on assets | 2.5308% | 242 |
| Return on Equity (ROE) | 12.9286% | 1,410 |
| Retained earnings to average equity (ytd only) | 12.9286% | 653 |
| Net charge-offs to loans | -0.0069% | 7,222 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7963% | 7,736 |
| Assets per employee ($millions) | 4.8794% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 5,977 |
| Loan loss allowance to noncurrent loans | 18.0500% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 6.8006% | 518 |
| Noncurrent loans to loans | 5.6866% | 875 |
| Net loans and leases to total assets | 68.0044% | 4,137 |
| Net loans and leases to deposits | 94.8608% | 2,127 |
| Net loans and leases to core deposits | 109.3749% | 3,513 |
| Total domestic deposits to total assets | 71.6886% | 7,253 |
| Equity capital to assets | 18.6886% | 521 |
| Core capital (leverage) ratio | 18.6720% | 476 |
| Tier 1 risk-based capital ratio | 23.8731% | 1,099 |
| Total risk-based capital ratio | 24.7935% | 1,113 |
| Memoranda: | ||
| Average total assets | $82,186,000 | 5,737 |
| Average earning assets | $76,115,000 | 5,693 |
| Average equity | $15,253,000 | 4,093 |
| Average total loans | $58,060,500 | 5,447 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0193% | 1,085 |
| Cost of funding earning assets | 2.3031% | 5,134 |
| Net interest margin | 4.7162% | 939 |
| Noninterest income to average assets | 0.6386% | 3,565 |
| Noninterest expense to average assets | 2.4142% | 6,344 |
| Loan and lease loss provision to assets | 0.0505% | 6,782 |
| Net operating income to assets | 2.4311% | 148 |
| Return on assets (ROA) | 2.4407% | 142 |
| Pretax return on assets | 2.5694% | 172 |
| Return on Equity (ROE) | 13.1934% | 1,287 |
| Retained earnings to average equity (ytd only) | 4.8981% | 2,085 |
| Net charge-offs to loans | -0.0707% | 8,057 |
| Credit loss provision to net charge-offs | -100.0000% | 7,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5963% | 7,896 |
| Assets per employee ($millions) | 4.7896% | 2,191 |
| Cash dividends to net income (ytd only)* | 62.8749% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 6,161 |
| Loan loss allowance to noncurrent loans | 13.9147% | 7,427 |
| Noncurrent assets plus other real estate owned to assets | 5.8276% | 527 |
| Noncurrent loans to loans | 7.0983% | 427 |
| Net loans and leases to total assets | 71.8998% | 3,611 |
| Net loans and leases to deposits | 100.5427% | 1,783 |
| Net loans and leases to core deposits | 115.1945% | 3,217 |
| Total domestic deposits to total assets | 71.5117% | 7,085 |
| Equity capital to assets | 18.4272% | 609 |
| Core capital (leverage) ratio | 18.2509% | 579 |
| Tier 1 risk-based capital ratio | 23.0665% | 1,183 |
| Total risk-based capital ratio | 23.9851% | 1,196 |
| Memoranda: | ||
| Average total assets | $79,239,600 | 5,727 |
| Average earning assets | $73,682,400 | 5,673 |
| Average equity | $14,658,800 | 4,204 |
| Average total loans | $56,586,200 | 5,426 |