Home > State Bank of Lismore > Performance and Condition Ratios
State Bank of Lismore, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6644% | 261 |
| Cost of funding earning assets | 1.2547% | 2,270 |
| Net interest margin | 5.4097% | 198 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 3.0055% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.7961% | 205 |
| Return on assets (ROA) | 3.4430% | 138 |
| Pretax return on assets | 3.5428% | 156 |
| Return on Equity (ROE) | 28.2600% | 263 |
| Retained earnings to average equity (ytd only) | 13.4585% | 751 |
| Net charge-offs to loans | 0.0026% | 2,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,354.0000% | 121 |
| Efficiency ratio | 51.1015% | 3,826 |
| Assets per employee ($millions) | 6.8727% | 2,051 |
| Cash dividends to net income (ytd only)* | 52.3751% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,070 |
| Loan loss allowance to noncurrent loans | 141.7989% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 959 |
| Noncurrent loans to loans | 0.7471% | 1,112 |
| Net loans and leases to total assets | 80.9300% | 548 |
| Net loans and leases to deposits | 101.5273% | 452 |
| Net loans and leases to core deposits | 110.7554% | 846 |
| Total domestic deposits to total assets | 79.7100% | 3,568 |
| Equity capital to assets | 13.1746% | 779 |
| Core capital (leverage) ratio | 13.1948% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9589% | 1,330 |
| Memoranda: | ||
| Average total assets | $62,773,000 | 4,199 |
| Average earning assets | $57,278,250 | 4,189 |
| Average equity | $7,648,000 | 3,976 |
| Average total loans | $51,712,250 | 3,829 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9450% | 471 |
| Cost of funding earning assets | 1.1349% | 2,182 |
| Net interest margin | 4.8102% | 398 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 2.9233% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6425% | 212 |
| Return on assets (ROA) | 2.6760% | 201 |
| Pretax return on assets | 2.7743% | 257 |
| Return on Equity (ROE) | 22.5600% | 508 |
| Retained earnings to average equity (ytd only) | 4.6518% | 3,041 |
| Net charge-offs to loans | 0.0038% | 2,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 864.0000% | 173 |
| Efficiency ratio | 51.6237% | 3,805 |
| Assets per employee ($millions) | 6.7900% | 2,073 |
| Cash dividends to net income (ytd only)* | 79.3839% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 3,289 |
| Loan loss allowance to noncurrent loans | 1,985.1852% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 3,331 |
| Noncurrent loans to loans | 0.0519% | 3,330 |
| Net loans and leases to total assets | 84.2100% | 258 |
| Net loans and leases to deposits | 104.5318% | 354 |
| Net loans and leases to core deposits | 112.7542% | 720 |
| Total domestic deposits to total assets | 80.5600% | 3,490 |
| Equity capital to assets | 12.3564% | 961 |
| Core capital (leverage) ratio | 12.2800% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7975% | 1,624 |
| Memoranda: | ||
| Average total assets | $63,079,333 | 4,218 |
| Average earning assets | $57,628,000 | 4,209 |
| Average equity | $7,481,000 | 4,017 |
| Average total loans | $52,085,333 | 3,830 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7699% | 435 |
| Cost of funding earning assets | 1.0029% | 2,040 |
| Net interest margin | 4.7670% | 392 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.7722% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8669% | 598 |
| Return on assets (ROA) | 1.9106% | 556 |
| Pretax return on assets | 1.9168% | 887 |
| Return on Equity (ROE) | 16.4400% | 1,273 |
| Retained earnings to average equity (ytd only) | 14.3970% | 887 |
| Net charge-offs to loans | 0.0077% | 1,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 367 |
| Efficiency ratio | 59.6774% | 2,997 |
| Assets per employee ($millions) | 7.1119% | 1,886 |
| Cash dividends to net income (ytd only)* | 12.4183% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,325 |
| Loan loss allowance to noncurrent loans | 638.0952% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 2,598 |
| Noncurrent loans to loans | 0.1635% | 2,672 |
| Net loans and leases to total assets | 79.4300% | 599 |
| Net loans and leases to deposits | 97.8050% | 551 |
| Net loans and leases to core deposits | 106.6186% | 812 |
| Total domestic deposits to total assets | 81.2100% | 3,606 |
| Equity capital to assets | 11.9440% | 1,011 |
| Core capital (leverage) ratio | 12.0152% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5357% | 1,785 |
| Memoranda: | ||
| Average total assets | $64,064,000 | 4,264 |
| Average earning assets | $58,233,500 | 4,259 |
| Average equity | $7,446,000 | 4,071 |
| Average total loans | $52,129,500 | 3,876 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 515 |
| Cost of funding earning assets | 0.5704% | 1,016 |
| Net interest margin | 4.1306% | 621 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.8426% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1755% | 1,875 |
| Return on assets (ROA) | 1.1712% | 1,826 |
| Pretax return on assets | 1.2963% | 2,101 |
| Return on Equity (ROE) | 10.6100% | 2,610 |
| Retained earnings to average equity (ytd only) | 7.6296% | 1,978 |
| Net charge-offs to loans | -0.0020% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.6020% | 1,891 |
| Assets per employee ($millions) | 7.1246% | 1,879 |
| Cash dividends to net income (ytd only)* | 28.1081% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,090 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.4300% | 460 |
| Net loans and leases to deposits | 99.3474% | 465 |
| Net loans and leases to core deposits | 108.1883% | 666 |
| Total domestic deposits to total assets | 81.9700% | 3,636 |
| Equity capital to assets | 11.3021% | 1,143 |
| Core capital (leverage) ratio | 11.3777% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9962% | 1,981 |
| Memoranda: | ||
| Average total assets | $63,181,600 | 4,304 |
| Average earning assets | $57,328,000 | 4,295 |
| Average equity | $6,972,800 | 4,221 |
| Average total loans | $49,820,000 | 3,894 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 496 |
| Cost of funding earning assets | 0.5482% | 581 |
| Net interest margin | 3.9584% | 697 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.7324% | 1,394 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0853% | 2,156 |
| Return on assets (ROA) | 1.0718% | 2,162 |
| Pretax return on assets | 1.1798% | 2,451 |
| Return on Equity (ROE) | 9.7700% | 2,798 |
| Retained earnings to average equity (ytd only) | 6.8555% | 2,421 |
| Net charge-offs to loans | -0.0027% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.2901% | 1,979 |
| Assets per employee ($millions) | 6.7623% | 2,125 |
| Cash dividends to net income (ytd only)* | 29.8419% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,357 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.8400% | 826 |
| Net loans and leases to deposits | 95.0181% | 594 |
| Net loans and leases to core deposits | 102.3125% | 729 |
| Total domestic deposits to total assets | 80.8700% | 4,006 |
| Equity capital to assets | 11.6166% | 964 |
| Core capital (leverage) ratio | 11.5740% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7209% | 1,801 |
| Memoranda: | ||
| Average total assets | $62,946,750 | 4,338 |
| Average earning assets | $57,159,250 | 4,330 |
| Average equity | $6,904,250 | 4,271 |
| Average total loans | $49,054,250 | 3,926 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 509 |
| Cost of funding earning assets | 0.5431% | 410 |
| Net interest margin | 3.7846% | 776 |
| Noninterest income to average assets | 0.4242% | 2,603 |
| Noninterest expense to average assets | 2.6178% | 1,586 |
| Loan and lease loss provision to assets | 0.0943% | 1,054 |
| Net operating income to assets | 1.0273% | 2,058 |
| Return on assets (ROA) | 0.9993% | 2,129 |
| Pretax return on assets | 1.1188% | 2,339 |
| Return on Equity (ROE) | 9.2860% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.0012% | 1,617 |
| Net charge-offs to loans | -0.0726% | 4,361 |
| Credit loss provision to net charge-offs | -166.6667% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7787% | 2,273 |
| Assets per employee ($millions) | 6.8709% | 2,024 |
| Cash dividends to net income (ytd only)* | 13.8365% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 1,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.2424% | 890 |
| Net loans and leases to deposits | 93.5031% | 540 |
| Net loans and leases to core deposits | 99.0657% | 709 |
| Total domestic deposits to total assets | 79.4010% | 4,275 |
| Equity capital to assets | 11.3021% | 1,099 |
| Core capital (leverage) ratio | 11.2461% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9131% | 1,727 |
| Memoranda: | ||
| Average total assets | $63,642,000 | 4,377 |
| Average earning assets | $57,814,000 | 4,378 |
| Average equity | $6,849,000 | 4,333 |
| Average total loans | $49,583,000 | 3,964 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 430 |
| Cost of funding earning assets | 0.5869% | 283 |
| Net interest margin | 3.7194% | 726 |
| Noninterest income to average assets | 0.2851% | 3,424 |
| Noninterest expense to average assets | 2.5967% | 1,613 |
| Loan and lease loss provision to assets | 0.0930% | 889 |
| Net operating income to assets | 0.8193% | 2,598 |
| Return on assets (ROA) | 0.7933% | 2,680 |
| Pretax return on assets | 0.9420% | 2,624 |
| Return on Equity (ROE) | 7.5527% | 2,853 |
| Retained earnings to average equity (ytd only) | 7.5527% | 1,713 |
| Net charge-offs to loans | -0.1410% | 4,538 |
| Credit loss provision to net charge-offs | -83.3333% | 2,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8968% | 2,116 |
| Assets per employee ($millions) | 7.1836% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,913 |
| Loan loss allowance to noncurrent loans | 102.7941% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 464 |
| Noncurrent loans to loans | 1.3590% | 638 |
| Net loans and leases to total assets | 76.3101% | 489 |
| Net loans and leases to deposits | 94.6403% | 330 |
| Net loans and leases to core deposits | 99.9210% | 515 |
| Total domestic deposits to total assets | 80.6317% | 4,232 |
| Equity capital to assets | 10.5844% | 1,554 |
| Core capital (leverage) ratio | 10.5107% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8357% | 2,288 |
| Memoranda: | ||
| Average total assets | $64,544,000 | 4,385 |
| Average earning assets | $58,612,000 | 4,396 |
| Average equity | $6,779,000 | 4,384 |
| Average total loans | $51,062,500 | 3,959 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 296 |
| Cost of funding earning assets | 0.8527% | 150 |
| Net interest margin | 4.0548% | 637 |
| Noninterest income to average assets | 0.3368% | 3,401 |
| Noninterest expense to average assets | 2.7913% | 1,382 |
| Loan and lease loss provision to assets | -0.3089% | 4,779 |
| Net operating income to assets | 1.4873% | 1,043 |
| Return on assets (ROA) | 1.5169% | 1,019 |
| Pretax return on assets | 1.5803% | 1,481 |
| Return on Equity (ROE) | 15.2343% | 899 |
| Retained earnings to average equity (ytd only) | 6.1123% | 2,312 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2337% | 1,824 |
| Assets per employee ($millions) | 7.1596% | 1,822 |
| Cash dividends to net income (ytd only)* | 59.8778% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 79.8063% | 275 |
| Net loans and leases to deposits | 100.6183% | 183 |
| Net loans and leases to core deposits | 106.3490% | 360 |
| Total domestic deposits to total assets | 79.3159% | 4,280 |
| Equity capital to assets | 10.4212% | 2,242 |
| Core capital (leverage) ratio | 10.4034% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2281% | 2,550 |
| Memoranda: | ||
| Average total assets | $64,736,400 | 4,396 |
| Average earning assets | $58,992,000 | 4,390 |
| Average equity | $6,446,000 | 4,485 |
| Average total loans | $49,420,200 | 4,012 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 284 |
| Cost of funding earning assets | 0.8981% | 148 |
| Net interest margin | 4.1348% | 611 |
| Noninterest income to average assets | 0.3559% | 3,322 |
| Noninterest expense to average assets | 2.6888% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4442% | 1,414 |
| Return on assets (ROA) | 1.4668% | 1,396 |
| Pretax return on assets | 1.4688% | 2,085 |
| Return on Equity (ROE) | 14.9033% | 1,161 |
| Retained earnings to average equity (ytd only) | 6.8559% | 2,475 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0249% | 2,240 |
| Assets per employee ($millions) | 6.9802% | 1,884 |
| Cash dividends to net income (ytd only)* | 53.9972% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9078% | 756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 70.8780% | 1,003 |
| Net loans and leases to deposits | 90.3533% | 589 |
| Net loans and leases to core deposits | 99.9439% | 587 |
| Total domestic deposits to total assets | 78.4454% | 4,381 |
| Equity capital to assets | 10.5855% | 2,384 |
| Core capital (leverage) ratio | 10.5283% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5873% | 2,133 |
| Memoranda: | ||
| Average total assets | $64,811,500 | 4,452 |
| Average earning assets | $59,235,750 | 4,450 |
| Average equity | $6,378,750 | 4,556 |
| Average total loans | $48,752,750 | 4,080 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 1,180 |
| Cost of funding earning assets | 0.8831% | 199 |
| Net interest margin | 3.3232% | 2,369 |
| Noninterest income to average assets | 0.3788% | 3,219 |
| Noninterest expense to average assets | 2.6575% | 1,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7759% | 3,581 |
| Return on assets (ROA) | 0.8095% | 3,553 |
| Pretax return on assets | 0.8125% | 3,836 |
| Return on Equity (ROE) | 8.4283% | 3,277 |
| Retained earnings to average equity (ytd only) | -1.4630% | 4,636 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3333% | 962 |
| Assets per employee ($millions) | 7.1076% | 1,721 |
| Cash dividends to net income (ytd only)* | 117.3585% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7795% | 916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.7249% | 701 |
| Net loans and leases to deposits | 96.3166% | 373 |
| Net loans and leases to core deposits | 107.0765% | 437 |
| Total domestic deposits to total assets | 77.5825% | 4,467 |
| Equity capital to assets | 9.8096% | 3,045 |
| Core capital (leverage) ratio | 9.5442% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3471% | 2,230 |
| Memoranda: | ||
| Average total assets | $65,474,667 | 4,473 |
| Average earning assets | $60,243,000 | 4,467 |
| Average equity | $6,288,333 | 4,594 |
| Average total loans | $49,872,667 | 4,088 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 1,348 |
| Cost of funding earning assets | 0.9491% | 175 |
| Net interest margin | 3.1680% | 2,793 |
| Noninterest income to average assets | 0.4892% | 2,658 |
| Noninterest expense to average assets | 2.5790% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8281% | 3,330 |
| Return on assets (ROA) | 0.8939% | 3,222 |
| Pretax return on assets | 0.8999% | 3,597 |
| Return on Equity (ROE) | 9.4043% | 2,891 |
| Retained earnings to average equity (ytd only) | -3.3042% | 4,615 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5752% | 1,173 |
| Assets per employee ($millions) | 7.3388% | 1,567 |
| Cash dividends to net income (ytd only)* | 135.1351% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.2706% | 981 |
| Net loans and leases to deposits | 92.1969% | 588 |
| Net loans and leases to core deposits | 105.3777% | 530 |
| Total domestic deposits to total assets | 78.3873% | 4,396 |
| Equity capital to assets | 9.4914% | 3,212 |
| Core capital (leverage) ratio | 9.3630% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1523% | 2,228 |
| Memoranda: | ||
| Average total assets | $66,228,000 | 4,476 |
| Average earning assets | $61,110,500 | 4,474 |
| Average equity | $6,295,000 | 4,608 |
| Average total loans | $50,476,000 | 4,092 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1019% | 409 |
| Cost of funding earning assets | 1.2316% | 244 |
| Net interest margin | 3.8703% | 1,306 |
| Noninterest income to average assets | 0.3036% | 3,658 |
| Noninterest expense to average assets | 2.6221% | 2,476 |
| Loan and lease loss provision to assets | 0.1966% | 1,983 |
| Net operating income to assets | 0.9878% | 2,340 |
| Return on assets (ROA) | 0.9831% | 2,495 |
| Pretax return on assets | 0.9846% | 3,090 |
| Return on Equity (ROE) | 10.0550% | 1,987 |
| Retained earnings to average equity (ytd only) | 5.8078% | 1,895 |
| Net charge-offs to loans | 0.0095% | 2,978 |
| Credit loss provision to net charge-offs | 2,500.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 150.8000% | 570 |
| Efficiency ratio | 68.8558% | 2,116 |
| Assets per employee ($millions) | 7.3786% | 1,349 |
| Cash dividends to net income (ytd only)* | 42.2400% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 1,153 |
| Loan loss allowance to noncurrent loans | 7,216.6667% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,309 |
| Noncurrent loans to loans | 0.0229% | 4,241 |
| Net loans and leases to total assets | 77.5310% | 641 |
| Net loans and leases to deposits | 98.7362% | 426 |
| Net loans and leases to core deposits | 113.9726% | 409 |
| Total domestic deposits to total assets | 78.5233% | 4,258 |
| Equity capital to assets | 9.5186% | 3,591 |
| Core capital (leverage) ratio | 9.8276% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6305% | 2,758 |
| Memoranda: | ||
| Average total assets | $63,576,200 | 4,465 |
| Average earning assets | $57,567,000 | 4,474 |
| Average equity | $6,215,800 | 4,618 |
| Average total loans | $52,506,600 | 4,057 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4003% | 280 |
| Cost of funding earning assets | 1.2900% | 256 |
| Net interest margin | 4.1103% | 883 |
| Noninterest income to average assets | 0.3202% | 3,568 |
| Noninterest expense to average assets | 2.5661% | 2,644 |
| Loan and lease loss provision to assets | 0.2656% | 1,531 |
| Net operating income to assets | 1.1898% | 1,671 |
| Return on assets (ROA) | 1.1770% | 1,840 |
| Pretax return on assets | 1.1792% | 2,459 |
| Return on Equity (ROE) | 11.9554% | 1,378 |
| Retained earnings to average equity (ytd only) | 7.1948% | 1,619 |
| Net charge-offs to loans | 0.0127% | 2,649 |
| Credit loss provision to net charge-offs | 2,500.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 137.4000% | 645 |
| Efficiency ratio | 63.7849% | 2,771 |
| Assets per employee ($millions) | 7.0588% | 1,459 |
| Cash dividends to net income (ytd only)* | 39.8198% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 860 |
| Loan loss allowance to noncurrent loans | 43,300.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,521 |
| Noncurrent loans to loans | 0.0040% | 4,443 |
| Net loans and leases to total assets | 77.7692% | 861 |
| Net loans and leases to deposits | 100.7957% | 508 |
| Net loans and leases to core deposits | 120.3234% | 408 |
| Total domestic deposits to total assets | 77.1553% | 4,303 |
| Equity capital to assets | 9.9073% | 3,317 |
| Core capital (leverage) ratio | 9.9071% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2116% | 2,530 |
| Memoranda: | ||
| Average total assets | $62,868,500 | 4,489 |
| Average earning assets | $56,637,250 | 4,505 |
| Average equity | $6,189,500 | 4,644 |
| Average total loans | $52,545,250 | 4,078 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6798% | 239 |
| Cost of funding earning assets | 1.3400% | 303 |
| Net interest margin | 4.3398% | 691 |
| Noninterest income to average assets | 0.2969% | 3,690 |
| Noninterest expense to average assets | 2.5220% | 2,904 |
| Loan and lease loss provision to assets | 0.3352% | 1,277 |
| Net operating income to assets | 1.3344% | 1,266 |
| Return on assets (ROA) | 1.3153% | 1,425 |
| Pretax return on assets | 1.3185% | 1,973 |
| Return on Equity (ROE) | 13.3882% | 1,007 |
| Retained earnings to average equity (ytd only) | 13.3882% | 316 |
| Net charge-offs to loans | -0.0075% | 4,124 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1218% | 3,399 |
| Assets per employee ($millions) | 7.0260% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 988 |
| Loan loss allowance to noncurrent loans | 14,216.6667% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,537 |
| Noncurrent loans to loans | 0.0113% | 4,470 |
| Net loans and leases to total assets | 82.5205% | 370 |
| Net loans and leases to deposits | 107.1280% | 287 |
| Net loans and leases to core deposits | 127.2459% | 297 |
| Total domestic deposits to total assets | 77.0298% | 4,314 |
| Equity capital to assets | 10.0784% | 3,129 |
| Core capital (leverage) ratio | 10.3243% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8674% | 2,662 |
| Memoranda: | ||
| Average total assets | $62,648,333 | 4,498 |
| Average earning assets | $56,270,000 | 4,526 |
| Average equity | $6,154,667 | 4,669 |
| Average total loans | $53,303,000 | 4,074 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7591% | 232 |
| Cost of funding earning assets | 1.4110% | 372 |
| Net interest margin | 4.3481% | 694 |
| Noninterest income to average assets | 0.3015% | 3,706 |
| Noninterest expense to average assets | 2.5274% | 3,184 |
| Loan and lease loss provision to assets | 0.4811% | 616 |
| Net operating income to assets | 1.1604% | 1,659 |
| Return on assets (ROA) | 1.0969% | 1,954 |
| Pretax return on assets | 1.1034% | 2,510 |
| Return on Equity (ROE) | 11.3142% | 1,321 |
| Retained earnings to average equity (ytd only) | 11.3142% | 516 |
| Net charge-offs to loans | 0.2620% | 559 |
| Credit loss provision to net charge-offs | 214.2857% | 1,377 |
| Earnings coverage of net charge-offs (x) | 7.3429% | 1,931 |
| Efficiency ratio | 60.5223% | 3,673 |
| Assets per employee ($millions) | 6.7869% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,401 |
| Loan loss allowance to noncurrent loans | 793.9394% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,852 |
| Noncurrent loans to loans | 0.1867% | 3,803 |
| Net loans and leases to total assets | 85.5309% | 167 |
| Net loans and leases to deposits | 111.4872% | 167 |
| Net loans and leases to core deposits | 133.3435% | 230 |
| Total domestic deposits to total assets | 76.7182% | 4,390 |
| Equity capital to assets | 10.0373% | 3,750 |
| Core capital (leverage) ratio | 9.8648% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2168% | 3,036 |
| Memoranda: | ||
| Average total assets | $62,355,500 | 4,525 |
| Average earning assets | $55,564,500 | 4,550 |
| Average equity | $6,045,500 | 4,719 |
| Average total loans | $53,437,500 | 4,083 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7984% | 326 |
| Cost of funding earning assets | 1.3774% | 607 |
| Net interest margin | 4.4210% | 859 |
| Noninterest income to average assets | 0.3725% | 3,468 |
| Noninterest expense to average assets | 2.7186% | 2,835 |
| Loan and lease loss provision to assets | 0.4676% | 281 |
| Net operating income to assets | 1.1594% | 2,220 |
| Return on assets (ROA) | 1.1594% | 2,313 |
| Pretax return on assets | 1.1610% | 2,979 |
| Return on Equity (ROE) | 11.3968% | 1,734 |
| Retained earnings to average equity (ytd only) | 3.4555% | 3,275 |
| Net charge-offs to loans | 0.2672% | 778 |
| Credit loss provision to net charge-offs | 201.3889% | 1,318 |
| Earnings coverage of net charge-offs (x) | 7.0139% | 2,914 |
| Efficiency ratio | 62.5371% | 3,287 |
| Assets per employee ($millions) | 7.1199% | 997 |
| Cash dividends to net income (ytd only)* | 69.6801% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,482 |
| Loan loss allowance to noncurrent loans | 99.8162% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 1,514 |
| Noncurrent loans to loans | 1.0057% | 1,506 |
| Net loans and leases to total assets | 83.5672% | 362 |
| Net loans and leases to deposits | 110.5996% | 181 |
| Net loans and leases to core deposits | 130.6232% | 269 |
| Total domestic deposits to total assets | 75.5583% | 4,649 |
| Equity capital to assets | 10.0033% | 3,913 |
| Core capital (leverage) ratio | 10.3581% | 3,121 |
| Tier 1 risk-based capital ratio | 11.1341% | 4,807 |
| Total risk-based capital ratio | 12.0773% | 4,825 |
| Memoranda: | ||
| Average total assets | $62,017,400 | 4,562 |
| Average earning assets | $55,757,200 | 4,591 |
| Average equity | $6,308,800 | 4,718 |
| Average total loans | $53,897,400 | 4,103 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7085% | 410 |
| Cost of funding earning assets | 1.3648% | 651 |
| Net interest margin | 4.3437% | 1,068 |
| Noninterest income to average assets | 0.3317% | 3,761 |
| Noninterest expense to average assets | 2.7207% | 2,807 |
| Loan and lease loss provision to assets | 0.2168% | 796 |
| Net operating income to assets | 1.3181% | 1,776 |
| Return on assets (ROA) | 1.3181% | 1,850 |
| Pretax return on assets | 1.3202% | 2,598 |
| Return on Equity (ROE) | 12.9012% | 1,318 |
| Retained earnings to average equity (ytd only) | 3.6709% | 3,562 |
| Net charge-offs to loans | 0.1362% | 1,179 |
| Credit loss provision to net charge-offs | 181.8182% | 1,417 |
| Earnings coverage of net charge-offs (x) | 12.8912% | 2,326 |
| Efficiency ratio | 63.9002% | 3,024 |
| Assets per employee ($millions) | 6.8461% | 1,092 |
| Cash dividends to net income (ytd only)* | 71.5463% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 4,355 |
| Loan loss allowance to noncurrent loans | 73.6667% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 1,384 |
| Noncurrent loans to loans | 1.1125% | 1,425 |
| Net loans and leases to total assets | 86.8165% | 142 |
| Net loans and leases to deposits | 117.2196% | 114 |
| Net loans and leases to core deposits | 139.0233% | 194 |
| Total domestic deposits to total assets | 74.0631% | 4,812 |
| Equity capital to assets | 10.3303% | 3,691 |
| Core capital (leverage) ratio | 10.3100% | 3,302 |
| Tier 1 risk-based capital ratio | 11.1949% | 4,826 |
| Total risk-based capital ratio | 11.9724% | 4,925 |
| Memoranda: | ||
| Average total assets | $61,502,000 | 4,634 |
| Average earning assets | $55,588,250 | 4,657 |
| Average equity | $6,283,500 | 4,785 |
| Average total loans | $53,848,750 | 4,151 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6767% | 422 |
| Cost of funding earning assets | 1.3139% | 713 |
| Net interest margin | 4.3628% | 1,012 |
| Noninterest income to average assets | 0.3254% | 3,763 |
| Noninterest expense to average assets | 2.6812% | 2,971 |
| Loan and lease loss provision to assets | 0.0976% | 1,914 |
| Net operating income to assets | 1.4870% | 1,184 |
| Return on assets (ROA) | 1.4870% | 1,232 |
| Pretax return on assets | 1.4903% | 1,886 |
| Return on Equity (ROE) | 14.6092% | 851 |
| Retained earnings to average equity (ytd only) | 5.3066% | 2,621 |
| Net charge-offs to loans | -0.0334% | 4,717 |
| Credit loss provision to net charge-offs | -333.3333% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8049% | 3,319 |
| Assets per employee ($millions) | 6.8477% | 1,069 |
| Cash dividends to net income (ytd only)* | 63.6761% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 4,407 |
| Loan loss allowance to noncurrent loans | 230.6878% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 3,309 |
| Noncurrent loans to loans | 0.3513% | 3,294 |
| Net loans and leases to total assets | 86.5891% | 173 |
| Net loans and leases to deposits | 117.1882% | 110 |
| Net loans and leases to core deposits | 135.4898% | 239 |
| Total domestic deposits to total assets | 73.8889% | 4,841 |
| Equity capital to assets | 10.3166% | 3,679 |
| Core capital (leverage) ratio | 10.4719% | 3,123 |
| Tier 1 risk-based capital ratio | 11.2463% | 4,809 |
| Total risk-based capital ratio | 12.0175% | 4,916 |
| Memoranda: | ||
| Average total assets | $61,464,330 | 4,668 |
| Average earning assets | $55,560,330 | 4,692 |
| Average equity | $6,256,330 | 4,819 |
| Average total loans | $53,820,330 | 4,180 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 479 |
| Cost of funding earning assets | 1.2486% | 772 |
| Net interest margin | 4.3015% | 1,090 |
| Noninterest income to average assets | 0.3258% | 3,676 |
| Noninterest expense to average assets | 2.6262% | 3,137 |
| Loan and lease loss provision to assets | 0.0977% | 1,793 |
| Net operating income to assets | 1.4793% | 1,156 |
| Return on assets (ROA) | 1.4793% | 1,180 |
| Pretax return on assets | 1.4858% | 1,818 |
| Return on Equity (ROE) | 14.6322% | 831 |
| Retained earnings to average equity (ytd only) | 1.7404% | 4,127 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3839% | 3,475 |
| Assets per employee ($millions) | 6.7959% | 1,088 |
| Cash dividends to net income (ytd only)* | 88.1057% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 4,591 |
| Loan loss allowance to noncurrent loans | 239.5349% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,479 |
| Noncurrent loans to loans | 0.3234% | 3,405 |
| Net loans and leases to total assets | 86.2875% | 169 |
| Net loans and leases to deposits | 115.8207% | 130 |
| Net loans and leases to core deposits | 133.0208% | 273 |
| Total domestic deposits to total assets | 74.5009% | 4,894 |
| Equity capital to assets | 10.1679% | 3,661 |
| Core capital (leverage) ratio | 10.4356% | 3,124 |
| Tier 1 risk-based capital ratio | 11.1366% | 4,918 |
| Total risk-based capital ratio | 11.8744% | 5,037 |
| Memoranda: | ||
| Average total assets | $61,382,000 | 4,718 |
| Average earning assets | $55,422,000 | 4,742 |
| Average equity | $6,205,500 | 4,862 |
| Average total loans | $53,830,500 | 4,217 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 378 |
| Cost of funding earning assets | 0.9798% | 816 |
| Net interest margin | 4.5429% | 705 |
| Noninterest income to average assets | 0.3253% | 3,925 |
| Noninterest expense to average assets | 2.8858% | 2,406 |
| Loan and lease loss provision to assets | 0.1433% | 1,499 |
| Net operating income to assets | 1.4193% | 1,365 |
| Return on assets (ROA) | 1.4193% | 1,362 |
| Pretax return on assets | 1.4227% | 2,064 |
| Return on Equity (ROE) | 13.7658% | 1,113 |
| Retained earnings to average equity (ytd only) | 2.5831% | 4,107 |
| Net charge-offs to loans | 0.0908% | 1,865 |
| Credit loss provision to net charge-offs | 180.8511% | 1,563 |
| Earnings coverage of net charge-offs (x) | 19.7660% | 2,040 |
| Efficiency ratio | 64.8239% | 3,059 |
| Assets per employee ($millions) | 6.8446% | 1,050 |
| Cash dividends to net income (ytd only)* | 81.2352% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 4,736 |
| Loan loss allowance to noncurrent loans | 270.0680% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 3,646 |
| Noncurrent loans to loans | 0.2699% | 3,609 |
| Net loans and leases to total assets | 87.7843% | 127 |
| Net loans and leases to deposits | 119.4759% | 101 |
| Net loans and leases to core deposits | 137.3394% | 224 |
| Total domestic deposits to total assets | 73.4745% | 4,976 |
| Equity capital to assets | 10.0518% | 3,628 |
| Core capital (leverage) ratio | 10.4850% | 3,046 |
| Tier 1 risk-based capital ratio | 10.8375% | 5,051 |
| Total risk-based capital ratio | 11.5323% | 5,165 |
| Memoranda: | ||
| Average total assets | $59,324,800 | 4,770 |
| Average earning assets | $53,886,600 | 4,789 |
| Average equity | $6,116,600 | 4,877 |
| Average total loans | $51,753,600 | 4,277 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 405 |
| Cost of funding earning assets | 0.9325% | 798 |
| Net interest margin | 4.5106% | 725 |
| Noninterest income to average assets | 0.3290% | 3,951 |
| Noninterest expense to average assets | 2.8275% | 2,543 |
| Loan and lease loss provision to assets | 0.0522% | 2,938 |
| Net operating income to assets | 1.5612% | 1,044 |
| Return on assets (ROA) | 1.5612% | 1,047 |
| Pretax return on assets | 1.5658% | 1,684 |
| Return on Equity (ROE) | 15.0434% | 869 |
| Retained earnings to average equity (ytd only) | 1.7055% | 4,671 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6039% | 3,251 |
| Assets per employee ($millions) | 6.5347% | 1,169 |
| Cash dividends to net income (ytd only)* | 88.6625% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 4,780 |
| Loan loss allowance to noncurrent loans | 350.4587% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 4,011 |
| Noncurrent loans to loans | 0.2111% | 3,953 |
| Net loans and leases to total assets | 87.1642% | 175 |
| Net loans and leases to deposits | 119.5722% | 105 |
| Net loans and leases to core deposits | 139.7269% | 212 |
| Total domestic deposits to total assets | 72.8967% | 5,066 |
| Equity capital to assets | 10.3924% | 3,244 |
| Core capital (leverage) ratio | 10.4650% | 3,120 |
| Tier 1 risk-based capital ratio | 11.2535% | 4,924 |
| Total risk-based capital ratio | 11.9568% | 5,074 |
| Memoranda: | ||
| Average total assets | $58,755,750 | 4,836 |
| Average earning assets | $53,620,250 | 4,845 |
| Average equity | $6,097,750 | 4,933 |
| Average total loans | $51,073,750 | 4,338 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 426 |
| Cost of funding earning assets | 0.8631% | 863 |
| Net interest margin | 4.4902% | 714 |
| Noninterest income to average assets | 0.3201% | 4,041 |
| Noninterest expense to average assets | 2.7615% | 2,795 |
| Loan and lease loss provision to assets | 0.0511% | 2,897 |
| Net operating income to assets | 1.6106% | 897 |
| Return on assets (ROA) | 1.6106% | 905 |
| Pretax return on assets | 1.6174% | 1,450 |
| Return on Equity (ROE) | 15.5260% | 754 |
| Retained earnings to average equity (ytd only) | -2.1992% | 5,168 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3367% | 3,583 |
| Assets per employee ($millions) | 6.3711% | 1,226 |
| Cash dividends to net income (ytd only)* | 114.1649% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 4,864 |
| Loan loss allowance to noncurrent loans | 795.7447% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 4,600 |
| Noncurrent loans to loans | 0.0918% | 4,504 |
| Net loans and leases to total assets | 88.6379% | 117 |
| Net loans and leases to deposits | 119.7235% | 109 |
| Net loans and leases to core deposits | 135.4864% | 248 |
| Total domestic deposits to total assets | 74.0356% | 5,038 |
| Equity capital to assets | 10.4063% | 3,203 |
| Core capital (leverage) ratio | 10.2192% | 3,342 |
| Tier 1 risk-based capital ratio | 11.1252% | 4,988 |
| Total risk-based capital ratio | 11.8225% | 5,141 |
| Memoranda: | ||
| Average total assets | $58,737,000 | 4,894 |
| Average earning assets | $53,762,000 | 4,901 |
| Average equity | $6,093,000 | 4,988 |
| Average total loans | $50,883,330 | 4,379 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 422 |
| Cost of funding earning assets | 0.8239% | 850 |
| Net interest margin | 4.4534% | 678 |
| Noninterest income to average assets | 0.3096% | 4,091 |
| Noninterest expense to average assets | 2.6449% | 3,204 |
| Loan and lease loss provision to assets | 0.0538% | 2,695 |
| Net operating income to assets | 1.6421% | 774 |
| Return on assets (ROA) | 1.6421% | 777 |
| Pretax return on assets | 1.6488% | 1,244 |
| Return on Equity (ROE) | 15.8545% | 652 |
| Retained earnings to average equity (ytd only) | 15.8545% | 258 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8359% | 3,960 |
| Assets per employee ($millions) | 7.3616% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 4,934 |
| Loan loss allowance to noncurrent loans | 417.0455% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 4,334 |
| Noncurrent loans to loans | 0.1781% | 4,169 |
| Net loans and leases to total assets | 83.2765% | 514 |
| Net loans and leases to deposits | 111.9752% | 209 |
| Net loans and leases to core deposits | 126.2329% | 415 |
| Total domestic deposits to total assets | 74.3705% | 5,116 |
| Equity capital to assets | 10.6600% | 2,909 |
| Core capital (leverage) ratio | 10.7452% | 2,693 |
| Tier 1 risk-based capital ratio | 11.9558% | 4,573 |
| Total risk-based capital ratio | 12.6547% | 4,819 |
| Memoranda: | ||
| Average total assets | $59,435,500 | 4,942 |
| Average earning assets | $53,891,500 | 4,955 |
| Average equity | $6,156,000 | 5,033 |
| Average total loans | $50,725,500 | 4,428 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1802% | 463 |
| Cost of funding earning assets | 0.7714% | 730 |
| Net interest margin | 4.4089% | 746 |
| Noninterest income to average assets | 0.3210% | 4,167 |
| Noninterest expense to average assets | 2.7156% | 3,080 |
| Loan and lease loss provision to assets | 0.0902% | 2,387 |
| Net operating income to assets | 1.4906% | 821 |
| Return on assets (ROA) | 1.4906% | 842 |
| Pretax return on assets | 1.4923% | 1,673 |
| Return on Equity (ROE) | 14.6898% | 659 |
| Retained earnings to average equity (ytd only) | 8.0717% | 739 |
| Net charge-offs to loans | 0.0843% | 2,252 |
| Credit loss provision to net charge-offs | 123.8095% | 2,114 |
| Earnings coverage of net charge-offs (x) | 21.7143% | 1,885 |
| Efficiency ratio | 63.1813% | 3,738 |
| Assets per employee ($millions) | 7.4973% | 771 |
| Cash dividends to net income (ytd only)* | 45.0524% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6899% | 5,092 |
| Loan loss allowance to noncurrent loans | 351.9608% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,284 |
| Noncurrent loans to loans | 0.1960% | 4,131 |
| Net loans and leases to total assets | 86.1666% | 245 |
| Net loans and leases to deposits | 114.2450% | 174 |
| Net loans and leases to core deposits | 128.2407% | 379 |
| Total domestic deposits to total assets | 75.4227% | 5,039 |
| Equity capital to assets | 10.0604% | 3,635 |
| Core capital (leverage) ratio | 10.2394% | 3,141 |
| Tier 1 risk-based capital ratio | 10.9823% | 5,160 |
| Total risk-based capital ratio | 11.6357% | 5,328 |
| Memoranda: | ||
| Average total assets | $57,629,400 | 5,013 |
| Average earning assets | $51,986,200 | 5,031 |
| Average equity | $5,847,600 | 5,125 |
| Average total loans | $49,818,000 | 4,459 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 488 |
| Cost of funding earning assets | 0.7520% | 752 |
| Net interest margin | 4.3642% | 797 |
| Noninterest income to average assets | 0.3226% | 4,230 |
| Noninterest expense to average assets | 2.6903% | 3,092 |
| Loan and lease loss provision to assets | 0.1029% | 2,058 |
| Net operating income to assets | 1.4609% | 975 |
| Return on assets (ROA) | 1.4609% | 991 |
| Pretax return on assets | 1.4632% | 1,905 |
| Return on Equity (ROE) | 14.3649% | 762 |
| Retained earnings to average equity (ytd only) | 10.0900% | 564 |
| Net charge-offs to loans | -0.0433% | 5,119 |
| Credit loss provision to net charge-offs | -275.0000% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2070% | 3,679 |
| Assets per employee ($millions) | 7.2611% | 844 |
| Cash dividends to net income (ytd only)* | 29.7596% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 4,782 |
| Loan loss allowance to noncurrent loans | 207.6142% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 3,695 |
| Noncurrent loans to loans | 0.4066% | 3,482 |
| Net loans and leases to total assets | 82.7093% | 578 |
| Net loans and leases to deposits | 111.6183% | 229 |
| Net loans and leases to core deposits | 128.5932% | 365 |
| Total domestic deposits to total assets | 74.1001% | 5,227 |
| Equity capital to assets | 10.3307% | 3,559 |
| Core capital (leverage) ratio | 10.5246% | 2,963 |
| Tier 1 risk-based capital ratio | 11.7342% | 4,814 |
| Total risk-based capital ratio | 12.5340% | 4,981 |
| Memoranda: | ||
| Average total assets | $57,042,250 | 5,078 |
| Average earning assets | $51,417,250 | 5,096 |
| Average equity | $5,801,000 | 5,189 |
| Average total loans | $49,262,500 | 4,521 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 509 |
| Cost of funding earning assets | 0.7249% | 785 |
| Net interest margin | 4.3414% | 778 |
| Noninterest income to average assets | 0.3210% | 4,258 |
| Noninterest expense to average assets | 2.6529% | 3,255 |
| Loan and lease loss provision to assets | 0.1199% | 1,717 |
| Net operating income to assets | 1.4534% | 945 |
| Return on assets (ROA) | 1.4534% | 971 |
| Pretax return on assets | 1.4570% | 1,805 |
| Return on Equity (ROE) | 14.3696% | 764 |
| Retained earnings to average equity (ytd only) | 11.3701% | 385 |
| Net charge-offs to loans | -0.0686% | 5,294 |
| Credit loss provision to net charge-offs | -200.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7189% | 3,859 |
| Assets per employee ($millions) | 7.0625% | 902 |
| Cash dividends to net income (ytd only)* | 20.8738% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 4,920 |
| Loan loss allowance to noncurrent loans | 2,222.2222% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 5,139 |
| Noncurrent loans to loans | 0.0365% | 5,010 |
| Net loans and leases to total assets | 86.5469% | 239 |
| Net loans and leases to deposits | 117.3257% | 129 |
| Net loans and leases to core deposits | 131.7677% | 279 |
| Total domestic deposits to total assets | 73.7664% | 5,313 |
| Equity capital to assets | 10.4212% | 3,438 |
| Core capital (leverage) ratio | 10.5480% | 2,862 |
| Tier 1 risk-based capital ratio | 11.4584% | 4,983 |
| Total risk-based capital ratio | 12.2368% | 5,158 |
| Memoranda: | ||
| Average total assets | $56,693,330 | 5,122 |
| Average earning assets | $51,044,000 | 5,139 |
| Average equity | $5,734,330 | 5,232 |
| Average total loans | $49,532,000 | 4,542 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 522 |
| Cost of funding earning assets | 0.6864% | 902 |
| Net interest margin | 4.3212% | 747 |
| Noninterest income to average assets | 0.3029% | 4,395 |
| Noninterest expense to average assets | 2.7188% | 3,074 |
| Loan and lease loss provision to assets | 0.1338% | 1,426 |
| Net operating income to assets | 1.3453% | 1,123 |
| Return on assets (ROA) | 1.3453% | 1,160 |
| Pretax return on assets | 1.3524% | 2,052 |
| Return on Equity (ROE) | 13.5042% | 901 |
| Retained earnings to average equity (ytd only) | 13.5042% | 335 |
| Net charge-offs to loans | -0.1370% | 5,537 |
| Credit loss provision to net charge-offs | -111.7647% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6566% | 3,716 |
| Assets per employee ($millions) | 7.1396% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 5,083 |
| Loan loss allowance to noncurrent loans | 38,500.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,382 |
| Noncurrent loans to loans | 0.0021% | 5,273 |
| Net loans and leases to total assets | 84.2184% | 343 |
| Net loans and leases to deposits | 113.0824% | 159 |
| Net loans and leases to core deposits | 126.6869% | 307 |
| Total domestic deposits to total assets | 74.4752% | 5,381 |
| Equity capital to assets | 10.0723% | 3,666 |
| Core capital (leverage) ratio | 10.3171% | 3,089 |
| Tier 1 risk-based capital ratio | 11.2966% | 5,139 |
| Total risk-based capital ratio | 12.0525% | 5,328 |
| Memoranda: | ||
| Average total assets | $56,790,000 | 5,174 |
| Average earning assets | $51,282,500 | 5,187 |
| Average equity | $5,657,500 | 5,294 |
| Average total loans | $49,648,500 | 4,573 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0026% | 588 |
| Cost of funding earning assets | 0.6349% | 1,138 |
| Net interest margin | 4.3677% | 824 |
| Noninterest income to average assets | 0.3213% | 4,444 |
| Noninterest expense to average assets | 2.8808% | 2,740 |
| Loan and lease loss provision to assets | 0.0650% | 3,070 |
| Net operating income to assets | 1.3718% | 1,061 |
| Return on assets (ROA) | 1.3718% | 1,109 |
| Pretax return on assets | 1.3736% | 2,034 |
| Return on Equity (ROE) | 13.8152% | 804 |
| Retained earnings to average equity (ytd only) | 7.8165% | 916 |
| Net charge-offs to loans | 0.0638% | 2,788 |
| Credit loss provision to net charge-offs | 112.5000% | 2,337 |
| Earnings coverage of net charge-offs (x) | 24.9063% | 1,610 |
| Efficiency ratio | 66.6945% | 3,482 |
| Assets per employee ($millions) | 7.0579% | 898 |
| Cash dividends to net income (ytd only)* | 43.4211% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6869% | 5,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 89.3683% | 84 |
| Net loans and leases to deposits | 116.8651% | 123 |
| Net loans and leases to core deposits | 130.6915% | 277 |
| Total domestic deposits to total assets | 76.4713% | 5,182 |
| Equity capital to assets | 9.8507% | 3,880 |
| Core capital (leverage) ratio | 10.3510% | 3,049 |
| Tier 1 risk-based capital ratio | 10.5265% | 5,561 |
| Total risk-based capital ratio | 11.1870% | 5,719 |
| Memoranda: | ||
| Average total assets | $55,402,200 | 5,238 |
| Average earning assets | $50,713,400 | 5,234 |
| Average equity | $5,501,200 | 5,369 |
| Average total loans | $50,182,400 | 4,567 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 596 |
| Cost of funding earning assets | 0.6400% | 1,095 |
| Net interest margin | 4.3644% | 828 |
| Noninterest income to average assets | 0.3144% | 4,519 |
| Noninterest expense to average assets | 2.7615% | 3,138 |
| Loan and lease loss provision to assets | 0.0653% | 2,923 |
| Net operating income to assets | 1.4920% | 892 |
| Return on assets (ROA) | 1.4920% | 939 |
| Pretax return on assets | 1.4944% | 1,724 |
| Return on Equity (ROE) | 14.9954% | 667 |
| Retained earnings to average equity (ytd only) | 10.3290% | 510 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9060% | 3,948 |
| Assets per employee ($millions) | 5.8934% | 1,517 |
| Cash dividends to net income (ytd only)* | 31.1177% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 5,250 |
| Loan loss allowance to noncurrent loans | 572.3077% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,939 |
| Noncurrent loans to loans | 0.1361% | 4,799 |
| Net loans and leases to total assets | 89.3705% | 83 |
| Net loans and leases to deposits | 117.2007% | 142 |
| Net loans and leases to core deposits | 130.3749% | 297 |
| Total domestic deposits to total assets | 76.2542% | 5,201 |
| Equity capital to assets | 10.6861% | 3,368 |
| Core capital (leverage) ratio | 10.4162% | 3,091 |
| Tier 1 risk-based capital ratio | 11.3822% | 5,167 |
| Total risk-based capital ratio | 12.1292% | 5,346 |
| Memoranda: | ||
| Average total assets | $55,137,000 | 5,291 |
| Average earning assets | $50,620,500 | 5,289 |
| Average equity | $5,486,000 | 5,425 |
| Average total loans | $50,025,750 | 4,610 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 589 |
| Cost of funding earning assets | 0.6294% | 1,143 |
| Net interest margin | 4.3748% | 804 |
| Noninterest income to average assets | 0.2937% | 4,679 |
| Noninterest expense to average assets | 2.7294% | 3,275 |
| Loan and lease loss provision to assets | 0.0645% | 2,853 |
| Net operating income to assets | 1.5295% | 844 |
| Return on assets (ROA) | 1.5295% | 891 |
| Pretax return on assets | 1.5331% | 1,575 |
| Return on Equity (ROE) | 15.7410% | 569 |
| Retained earnings to average equity (ytd only) | 11.7965% | 356 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0795% | 4,164 |
| Assets per employee ($millions) | 6.1782% | 1,279 |
| Cash dividends to net income (ytd only)* | 25.0585% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 5,404 |
| Loan loss allowance to noncurrent loans | 533.8235% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 5,020 |
| Noncurrent loans to loans | 0.1405% | 4,868 |
| Net loans and leases to total assets | 86.3877% | 229 |
| Net loans and leases to deposits | 110.7665% | 235 |
| Net loans and leases to core deposits | 128.7836% | 319 |
| Total domestic deposits to total assets | 77.9908% | 5,004 |
| Equity capital to assets | 10.0047% | 4,220 |
| Core capital (leverage) ratio | 10.1021% | 3,448 |
| Tier 1 risk-based capital ratio | 10.9428% | 5,447 |
| Total risk-based capital ratio | 11.6569% | 5,630 |
| Memoranda: | ||
| Average total assets | $55,835,670 | 5,339 |
| Average earning assets | $51,477,000 | 5,326 |
| Average equity | $5,425,330 | 5,490 |
| Average total loans | $50,776,000 | 4,617 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 586 |
| Cost of funding earning assets | 0.6122% | 1,255 |
| Net interest margin | 4.3846% | 765 |
| Noninterest income to average assets | 0.3003% | 4,579 |
| Noninterest expense to average assets | 2.7023% | 3,404 |
| Loan and lease loss provision to assets | 0.0643% | 2,669 |
| Net operating income to assets | 1.6228% | 671 |
| Return on assets (ROA) | 1.6228% | 712 |
| Pretax return on assets | 1.6300% | 1,226 |
| Return on Equity (ROE) | 16.9514% | 444 |
| Retained earnings to average equity (ytd only) | 16.9514% | 153 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4634% | 4,533 |
| Assets per employee ($millions) | 6.8821% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 5,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 91.6541% | 38 |
| Net loans and leases to deposits | 118.4415% | 105 |
| Net loans and leases to core deposits | 138.1083% | 182 |
| Total domestic deposits to total assets | 77.3834% | 5,236 |
| Equity capital to assets | 9.9352% | 4,167 |
| Core capital (leverage) ratio | 9.8926% | 3,669 |
| Tier 1 risk-based capital ratio | 10.4421% | 5,777 |
| Total risk-based capital ratio | 11.1179% | 5,909 |
| Memoranda: | ||
| Average total assets | $55,951,500 | 5,385 |
| Average earning assets | $52,273,500 | 5,357 |
| Average equity | $5,356,500 | 5,540 |
| Average total loans | $51,965,000 | 4,615 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 734 |
| Cost of funding earning assets | 0.5382% | 1,856 |
| Net interest margin | 4.3822% | 825 |
| Noninterest income to average assets | 0.3445% | 4,451 |
| Noninterest expense to average assets | 2.8801% | 2,930 |
| Loan and lease loss provision to assets | 0.2794% | 651 |
| Net operating income to assets | 1.2343% | 1,438 |
| Return on assets (ROA) | 1.2343% | 1,491 |
| Pretax return on assets | 1.2362% | 2,519 |
| Return on Equity (ROE) | 12.6021% | 1,153 |
| Retained earnings to average equity (ytd only) | 3.9272% | 3,246 |
| Net charge-offs to loans | 0.0147% | 4,001 |
| Credit loss provision to net charge-offs | 2,085.7143% | 161 |
| Earnings coverage of net charge-offs (x) | 113.1429% | 526 |
| Efficiency ratio | 65.5202% | 3,981 |
| Assets per employee ($millions) | 7.1058% | 854 |
| Cash dividends to net income (ytd only)* | 68.8372% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 5,725 |
| Loan loss allowance to noncurrent loans | 17,250.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,710 |
| Noncurrent loans to loans | 0.0038% | 5,544 |
| Net loans and leases to total assets | 92.8280% | 18 |
| Net loans and leases to deposits | 125.2677% | 67 |
| Net loans and leases to core deposits | 146.3448% | 129 |
| Total domestic deposits to total assets | 74.1037% | 5,631 |
| Equity capital to assets | 9.2232% | 4,876 |
| Core capital (leverage) ratio | 9.9920% | 3,523 |
| Tier 1 risk-based capital ratio | 9.1812% | 6,089 |
| Total risk-based capital ratio | 9.7853% | 6,125 |
| Memoranda: | ||
| Average total assets | $52,256,000 | 5,496 |
| Average earning assets | $48,309,600 | 5,474 |
| Average equity | $5,118,200 | 5,630 |
| Average total loans | $47,767,800 | 4,732 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 701 |
| Cost of funding earning assets | 0.5414% | 1,874 |
| Net interest margin | 4.3993% | 797 |
| Noninterest income to average assets | 0.3313% | 4,573 |
| Noninterest expense to average assets | 2.9062% | 2,831 |
| Loan and lease loss provision to assets | 0.2270% | 811 |
| Net operating income to assets | 1.2444% | 1,515 |
| Return on assets (ROA) | 1.2444% | 1,566 |
| Pretax return on assets | 1.2470% | 2,617 |
| Return on Equity (ROE) | 12.5021% | 1,239 |
| Retained earnings to average equity (ytd only) | 3.3287% | 4,101 |
| Net charge-offs to loans | 0.0201% | 3,541 |
| Credit loss provision to net charge-offs | 1,242.8571% | 301 |
| Earnings coverage of net charge-offs (x) | 80.7406% | 740 |
| Efficiency ratio | 66.3490% | 3,827 |
| Assets per employee ($millions) | 6.4356% | 1,096 |
| Cash dividends to net income (ytd only)* | 73.3765% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6060% | 5,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 91.1159% | 40 |
| Net loans and leases to deposits | 123.8019% | 73 |
| Net loans and leases to core deposits | 147.3984% | 120 |
| Total domestic deposits to total assets | 73.5981% | 5,746 |
| Equity capital to assets | 10.0398% | 4,108 |
| Core capital (leverage) ratio | 10.1427% | 3,449 |
| Tier 1 risk-based capital ratio | 9.9663% | 6,051 |
| Total risk-based capital ratio | 10.5177% | 6,155 |
| Memoranda: | ||
| Average total assets | $51,108,500 | 5,592 |
| Average earning assets | $47,036,750 | 5,565 |
| Average equity | $5,087,000 | 5,702 |
| Average total loans | $46,431,250 | 4,830 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 786 |
| Cost of funding earning assets | 0.5206% | 2,064 |
| Net interest margin | 4.3437% | 850 |
| Noninterest income to average assets | 0.3217% | 4,649 |
| Noninterest expense to average assets | 2.8951% | 2,914 |
| Loan and lease loss provision to assets | 0.3060% | 496 |
| Net operating income to assets | 1.1102% | 1,908 |
| Return on assets (ROA) | 1.1102% | 1,995 |
| Pretax return on assets | 1.1141% | 3,114 |
| Return on Equity (ROE) | 11.1865% | 1,621 |
| Retained earnings to average equity (ytd only) | 3.2413% | 3,985 |
| Net charge-offs to loans | 0.0303% | 3,055 |
| Credit loss provision to net charge-offs | 1,114.2857% | 319 |
| Earnings coverage of net charge-offs (x) | 51.7143% | 935 |
| Efficiency ratio | 67.0909% | 3,816 |
| Assets per employee ($millions) | 6.4308% | 1,091 |
| Cash dividends to net income (ytd only)* | 71.0247% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 5,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 89.5502% | 80 |
| Net loans and leases to deposits | 121.0521% | 85 |
| Net loans and leases to core deposits | 135.6037% | 204 |
| Total domestic deposits to total assets | 73.9766% | 5,801 |
| Equity capital to assets | 9.9600% | 4,082 |
| Core capital (leverage) ratio | 10.1901% | 3,348 |
| Tier 1 risk-based capital ratio | 9.9277% | 6,109 |
| Total risk-based capital ratio | 10.4644% | 6,217 |
| Memoranda: | ||
| Average total assets | $50,983,000 | 5,653 |
| Average earning assets | $46,872,330 | 5,636 |
| Average equity | $5,059,670 | 5,767 |
| Average total loans | $46,176,000 | 4,884 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7708% | 905 |
| Cost of funding earning assets | 0.5197% | 2,115 |
| Net interest margin | 4.2511% | 972 |
| Noninterest income to average assets | 0.3389% | 4,485 |
| Noninterest expense to average assets | 2.7664% | 3,358 |
| Loan and lease loss provision to assets | 0.5438% | 183 |
| Net operating income to assets | 0.9537% | 2,484 |
| Return on assets (ROA) | 0.9537% | 2,623 |
| Pretax return on assets | 0.9615% | 3,641 |
| Return on Equity (ROE) | 9.6271% | 2,167 |
| Retained earnings to average equity (ytd only) | -2.3073% | 5,721 |
| Net charge-offs to loans | 0.0608% | 2,140 |
| Credit loss provision to net charge-offs | 985.7143% | 348 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 1,211 |
| Efficiency ratio | 64.7601% | 4,354 |
| Assets per employee ($millions) | 6.2844% | 1,199 |
| Cash dividends to net income (ytd only)* | 123.9669% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6009% | 6,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 88.1750% | 98 |
| Net loans and leases to deposits | 114.6485% | 151 |
| Net loans and leases to core deposits | 123.7473% | 331 |
| Total domestic deposits to total assets | 76.9090% | 5,627 |
| Equity capital to assets | 9.9712% | 4,181 |
| Core capital (leverage) ratio | 9.7561% | 3,944 |
| Tier 1 risk-based capital ratio | 10.0336% | 6,161 |
| Total risk-based capital ratio | 10.5700% | 6,276 |
| Memoranda: | ||
| Average total assets | $50,751,500 | 5,708 |
| Average earning assets | $46,952,500 | 5,680 |
| Average equity | $5,027,500 | 5,830 |
| Average total loans | $46,090,500 | 4,914 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 817 |
| Cost of funding earning assets | 0.5364% | 2,317 |
| Net interest margin | 4.4356% | 840 |
| Noninterest income to average assets | 0.3921% | 4,250 |
| Noninterest expense to average assets | 3.1660% | 2,307 |
| Loan and lease loss provision to assets | 0.0688% | 3,108 |
| Net operating income to assets | 1.1909% | 1,615 |
| Return on assets (ROA) | 1.1909% | 1,682 |
| Pretax return on assets | 1.1930% | 2,681 |
| Return on Equity (ROE) | 11.5803% | 1,532 |
| Retained earnings to average equity (ytd only) | 5.3135% | 2,398 |
| Net charge-offs to loans | 0.1399% | 2,627 |
| Credit loss provision to net charge-offs | 55.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | 10.0833% | 2,659 |
| Efficiency ratio | 71.5026% | 3,289 |
| Assets per employee ($millions) | 6.4035% | 1,114 |
| Cash dividends to net income (ytd only)* | 54.1156% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4329% | 6,309 |
| Loan loss allowance to noncurrent loans | 10,300.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,077 |
| Noncurrent loans to loans | 0.0042% | 5,910 |
| Net loans and leases to total assets | 92.4826% | 20 |
| Net loans and leases to deposits | 116.0973% | 138 |
| Net loans and leases to core deposits | 124.7945% | 305 |
| Total domestic deposits to total assets | 79.6596% | 5,104 |
| Equity capital to assets | 9.8423% | 4,298 |
| Core capital (leverage) ratio | 10.3536% | 3,110 |
| Tier 1 risk-based capital ratio | 9.9063% | 6,280 |
| Total risk-based capital ratio | 10.3110% | 6,387 |
| Memoranda: | ||
| Average total assets | $47,947,000 | 5,835 |
| Average earning assets | $43,624,400 | 5,836 |
| Average equity | $4,930,800 | 5,872 |
| Average total loans | $42,887,400 | 5,074 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 794 |
| Cost of funding earning assets | 0.5329% | 2,437 |
| Net interest margin | 4.4485% | 819 |
| Noninterest income to average assets | 0.3225% | 4,856 |
| Noninterest expense to average assets | 2.9904% | 2,833 |
| Loan and lease loss provision to assets | 0.0679% | 2,984 |
| Net operating income to assets | 1.2760% | 1,450 |
| Return on assets (ROA) | 1.2760% | 1,505 |
| Pretax return on assets | 1.2788% | 2,463 |
| Return on Equity (ROE) | 12.2643% | 1,416 |
| Retained earnings to average equity (ytd only) | 5.8466% | 2,505 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9498% | 3,688 |
| Assets per employee ($millions) | 5.8424% | 1,453 |
| Cash dividends to net income (ytd only)* | 52.3282% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6186% | 6,200 |
| Loan loss allowance to noncurrent loans | 227.4336% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 5,256 |
| Noncurrent loans to loans | 0.2720% | 5,093 |
| Net loans and leases to total assets | 88.3352% | 100 |
| Net loans and leases to deposits | 112.0407% | 181 |
| Net loans and leases to core deposits | 121.3574% | 366 |
| Total domestic deposits to total assets | 78.8421% | 5,359 |
| Equity capital to assets | 10.6870% | 3,322 |
| Core capital (leverage) ratio | 10.8129% | 2,681 |
| Tier 1 risk-based capital ratio | 11.0401% | 5,974 |
| Total risk-based capital ratio | 11.6082% | 6,214 |
| Memoranda: | ||
| Average total assets | $47,126,750 | 5,926 |
| Average earning assets | $42,530,000 | 5,932 |
| Average equity | $4,903,000 | 5,940 |
| Average total loans | $41,713,500 | 5,166 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 853 |
| Cost of funding earning assets | 0.5382% | 2,453 |
| Net interest margin | 4.3944% | 857 |
| Noninterest income to average assets | 0.3005% | 5,007 |
| Noninterest expense to average assets | 2.8906% | 3,198 |
| Loan and lease loss provision to assets | 0.0635% | 3,001 |
| Net operating income to assets | 1.3162% | 1,261 |
| Return on assets (ROA) | 1.3162% | 1,310 |
| Pretax return on assets | 1.3205% | 2,188 |
| Return on Equity (ROE) | 12.7660% | 1,239 |
| Retained earnings to average equity (ytd only) | 6.8961% | 1,816 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6238% | 4,081 |
| Assets per employee ($millions) | 5.7118% | 1,513 |
| Cash dividends to net income (ytd only)* | 45.9807% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6106% | 6,301 |
| Loan loss allowance to noncurrent loans | 66.3102% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 3,512 |
| Noncurrent loans to loans | 0.9209% | 3,421 |
| Net loans and leases to total assets | 88.3398% | 90 |
| Net loans and leases to deposits | 108.1387% | 246 |
| Net loans and leases to core deposits | 117.0097% | 454 |
| Total domestic deposits to total assets | 81.6913% | 4,753 |
| Equity capital to assets | 10.8286% | 3,056 |
| Core capital (leverage) ratio | 10.6829% | 2,741 |
| Tier 1 risk-based capital ratio | 11.2004% | 5,956 |
| Total risk-based capital ratio | 11.7618% | 6,194 |
| Memoranda: | ||
| Average total assets | $47,256,000 | 5,976 |
| Average earning assets | $42,736,670 | 5,983 |
| Average equity | $4,872,330 | 5,988 |
| Average total loans | $41,770,000 | 5,205 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8333% | 982 |
| Cost of funding earning assets | 0.5319% | 2,583 |
| Net interest margin | 4.3013% | 993 |
| Noninterest income to average assets | 0.2914% | 5,044 |
| Noninterest expense to average assets | 2.6646% | 4,060 |
| Loan and lease loss provision to assets | 0.0500% | 3,102 |
| Net operating income to assets | 1.4739% | 857 |
| Return on assets (ROA) | 1.4739% | 885 |
| Pretax return on assets | 1.4822% | 1,481 |
| Return on Equity (ROE) | 14.6447% | 830 |
| Retained earnings to average equity (ytd only) | 9.0185% | 1,246 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4921% | 4,937 |
| Assets per employee ($millions) | 5.9708% | 1,324 |
| Cash dividends to net income (ytd only)* | 38.4181% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5859% | 6,425 |
| Loan loss allowance to noncurrent loans | 379.3651% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 5,853 |
| Noncurrent loans to loans | 0.1545% | 5,619 |
| Net loans and leases to total assets | 84.8930% | 193 |
| Net loans and leases to deposits | 102.6141% | 348 |
| Net loans and leases to core deposits | 110.5266% | 567 |
| Total domestic deposits to total assets | 82.7304% | 4,700 |
| Equity capital to assets | 10.2353% | 3,557 |
| Core capital (leverage) ratio | 10.4696% | 2,969 |
| Tier 1 risk-based capital ratio | 10.9666% | 6,167 |
| Total risk-based capital ratio | 11.5027% | 6,366 |
| Memoranda: | ||
| Average total assets | $48,037,000 | 6,002 |
| Average earning assets | $43,614,500 | 6,015 |
| Average equity | $4,834,500 | 6,037 |
| Average total loans | $42,348,000 | 5,225 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 927 |
| Cost of funding earning assets | 0.6098% | 2,574 |
| Net interest margin | 4.3852% | 937 |
| Noninterest income to average assets | 0.4495% | 4,091 |
| Noninterest expense to average assets | 3.1305% | 2,642 |
| Loan and lease loss provision to assets | 0.0271% | 4,587 |
| Net operating income to assets | 1.1903% | 1,611 |
| Return on assets (ROA) | 1.1903% | 1,677 |
| Pretax return on assets | 1.1903% | 2,616 |
| Return on Equity (ROE) | 11.3280% | 1,663 |
| Retained earnings to average equity (ytd only) | 5.1588% | 2,498 |
| Net charge-offs to loans | 0.2470% | 2,496 |
| Credit loss provision to net charge-offs | 13.0435% | 4,549 |
| Earnings coverage of net charge-offs (x) | 5.8587% | 3,191 |
| Efficiency ratio | 72.0000% | 3,475 |
| Assets per employee ($millions) | 5.3676% | 1,780 |
| Cash dividends to net income (ytd only)* | 54.4592% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5307% | 6,548 |
| Loan loss allowance to noncurrent loans | 291.2500% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 5,817 |
| Noncurrent loans to loans | 0.1822% | 5,655 |
| Net loans and leases to total assets | 90.4074% | 39 |
| Net loans and leases to deposits | 115.4145% | 106 |
| Net loans and leases to core deposits | 124.7365% | 254 |
| Total domestic deposits to total assets | 78.3328% | 5,774 |
| Equity capital to assets | 9.8948% | 3,906 |
| Core capital (leverage) ratio | 11.0156% | 2,370 |
| Tier 1 risk-based capital ratio | 10.1166% | 6,485 |
| Total risk-based capital ratio | 10.6097% | 6,604 |
| Memoranda: | ||
| Average total assets | $44,273,400 | 6,172 |
| Average earning assets | $39,359,800 | 6,190 |
| Average equity | $4,652,200 | 6,152 |
| Average total loans | $37,241,200 | 5,455 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 977 |
| Cost of funding earning assets | 0.6400% | 2,455 |
| Net interest margin | 4.3402% | 1,007 |
| Noninterest income to average assets | 0.3883% | 4,618 |
| Noninterest expense to average assets | 2.8876% | 3,350 |
| Loan and lease loss provision to assets | 0.0247% | 4,516 |
| Net operating income to assets | 1.3005% | 1,353 |
| Return on assets (ROA) | 1.3005% | 1,410 |
| Pretax return on assets | 1.3005% | 2,328 |
| Return on Equity (ROE) | 12.1779% | 1,425 |
| Retained earnings to average equity (ytd only) | 3.8959% | 3,913 |
| Net charge-offs to loans | 0.3448% | 1,822 |
| Credit loss provision to net charge-offs | 8.6957% | 4,229 |
| Earnings coverage of net charge-offs (x) | 4.6741% | 3,380 |
| Efficiency ratio | 68.5443% | 3,987 |
| Assets per employee ($millions) | 4.7791% | 2,466 |
| Cash dividends to net income (ytd only)* | 68.0103% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6153% | 6,543 |
| Loan loss allowance to noncurrent loans | 336.7647% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 5,961 |
| Noncurrent loans to loans | 0.1827% | 5,784 |
| Net loans and leases to total assets | 85.9993% | 151 |
| Net loans and leases to deposits | 106.1345% | 237 |
| Net loans and leases to core deposits | 107.2423% | 697 |
| Total domestic deposits to total assets | 81.0286% | 5,205 |
| Equity capital to assets | 10.8691% | 2,895 |
| Core capital (leverage) ratio | 10.8225% | 2,646 |
| Tier 1 risk-based capital ratio | 11.4981% | 6,060 |
| Total risk-based capital ratio | 12.0613% | 6,326 |
| Memoranda: | ||
| Average total assets | $43,264,750 | 6,263 |
| Average earning assets | $38,123,250 | 6,294 |
| Average equity | $4,620,250 | 6,240 |
| Average total loans | $35,574,750 | 5,562 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 1,016 |
| Cost of funding earning assets | 0.6594% | 2,410 |
| Net interest margin | 4.2809% | 1,069 |
| Noninterest income to average assets | 0.3691% | 4,761 |
| Noninterest expense to average assets | 2.8144% | 3,622 |
| Loan and lease loss provision to assets | 0.0138% | 4,610 |
| Net operating income to assets | 1.3149% | 1,287 |
| Return on assets (ROA) | 1.3149% | 1,371 |
| Pretax return on assets | 1.3149% | 2,250 |
| Return on Equity (ROE) | 12.3859% | 1,379 |
| Retained earnings to average equity (ytd only) | 2.2164% | 4,860 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9287% | 4,195 |
| Assets per employee ($millions) | 5.4638% | 1,622 |
| Cash dividends to net income (ytd only)* | 82.1053% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 6,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 79.9428% | 544 |
| Net loans and leases to deposits | 97.8933% | 549 |
| Net loans and leases to core deposits | 98.8906% | 1,150 |
| Total domestic deposits to total assets | 81.6632% | 5,154 |
| Equity capital to assets | 10.5033% | 3,304 |
| Core capital (leverage) ratio | 10.7289% | 2,638 |
| Tier 1 risk-based capital ratio | 11.6644% | 6,020 |
| Total risk-based capital ratio | 12.4673% | 6,205 |
| Memoranda: | ||
| Average total assets | $43,349,000 | 6,304 |
| Average earning assets | $38,216,670 | 6,339 |
| Average equity | $4,602,000 | 6,300 |
| Average total loans | $35,026,670 | 5,615 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 1,001 |
| Cost of funding earning assets | 0.6796% | 2,392 |
| Net interest margin | 4.2555% | 1,059 |
| Noninterest income to average assets | 0.3614% | 4,775 |
| Noninterest expense to average assets | 2.6964% | 4,075 |
| Loan and lease loss provision to assets | 0.0093% | 4,339 |
| Net operating income to assets | 1.4270% | 988 |
| Return on assets (ROA) | 1.4270% | 1,070 |
| Pretax return on assets | 1.4270% | 1,779 |
| Return on Equity (ROE) | 13.3695% | 1,085 |
| Retained earnings to average equity (ytd only) | 11.7200% | 739 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2466% | 4,786 |
| Assets per employee ($millions) | 5.4539% | 1,706 |
| Cash dividends to net income (ytd only)* | 12.3377% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 74.7473% | 984 |
| Net loans and leases to deposits | 91.6714% | 833 |
| Net loans and leases to core deposits | 91.6714% | 1,535 |
| Total domestic deposits to total assets | 81.5384% | 5,347 |
| Equity capital to assets | 10.7149% | 3,303 |
| Core capital (leverage) ratio | 10.7816% | 2,471 |
| Tier 1 risk-based capital ratio | 12.5268% | 5,561 |
| Total risk-based capital ratio | 13.3682% | 5,791 |
| Memoranda: | ||
| Average total assets | $43,168,500 | 6,370 |
| Average earning assets | $38,256,500 | 6,396 |
| Average equity | $4,607,500 | 6,364 |
| Average total loans | $34,910,500 | 5,668 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 846 |
| Cost of funding earning assets | 0.8751% | 2,094 |
| Net interest margin | 4.4642% | 1,014 |
| Noninterest income to average assets | 0.4719% | 4,084 |
| Noninterest expense to average assets | 3.2404% | 2,491 |
| Loan and lease loss provision to assets | 0.0436% | 5,306 |
| Net operating income to assets | 1.0769% | 2,022 |
| Return on assets (ROA) | 1.0769% | 2,214 |
| Pretax return on assets | 1.0769% | 3,249 |
| Return on Equity (ROE) | 9.9937% | 2,169 |
| Retained earnings to average equity (ytd only) | 5.0081% | 2,697 |
| Net charge-offs to loans | -0.0061% | 6,403 |
| Credit loss provision to net charge-offs | -900.0000% | 6,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3063% | 3,021 |
| Assets per employee ($millions) | 5.3383% | 1,852 |
| Cash dividends to net income (ytd only)* | 49.8876% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 6,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 85.6578% | 142 |
| Net loans and leases to deposits | 104.9881% | 240 |
| Net loans and leases to core deposits | 104.9881% | 733 |
| Total domestic deposits to total assets | 81.5881% | 5,231 |
| Equity capital to assets | 10.6308% | 3,365 |
| Core capital (leverage) ratio | 10.8782% | 2,362 |
| Tier 1 risk-based capital ratio | 11.2332% | 6,256 |
| Total risk-based capital ratio | 12.0076% | 6,415 |
| Memoranda: | ||
| Average total assets | $41,322,000 | 6,458 |
| Average earning assets | $35,997,200 | 6,501 |
| Average equity | $4,452,800 | 6,454 |
| Average total loans | $32,701,000 | 5,815 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 1,020 |
| Cost of funding earning assets | 0.9146% | 2,075 |
| Net interest margin | 4.3817% | 1,245 |
| Noninterest income to average assets | 0.4067% | 4,587 |
| Noninterest expense to average assets | 2.8667% | 3,728 |
| Loan and lease loss provision to assets | 0.0488% | 5,160 |
| Net operating income to assets | 1.2950% | 1,452 |
| Return on assets (ROA) | 1.2950% | 1,601 |
| Pretax return on assets | 1.2950% | 2,629 |
| Return on Equity (ROE) | 11.9759% | 1,647 |
| Retained earnings to average equity (ytd only) | 7.0111% | 2,123 |
| Net charge-offs to loans | -0.0084% | 6,337 |
| Credit loss provision to net charge-offs | -750.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0835% | 4,042 |
| Assets per employee ($millions) | 5.1236% | 2,021 |
| Cash dividends to net income (ytd only)* | 41.4567% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,223 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,790 |
| Noncurrent loans to loans | 0.0062% | 6,669 |
| Net loans and leases to total assets | 78.1210% | 717 |
| Net loans and leases to deposits | 97.1806% | 590 |
| Net loans and leases to core deposits | 97.1806% | 1,323 |
| Total domestic deposits to total assets | 80.3874% | 5,552 |
| Equity capital to assets | 11.1005% | 3,151 |
| Core capital (leverage) ratio | 11.0399% | 2,339 |
| Tier 1 risk-based capital ratio | 12.5021% | 5,638 |
| Total risk-based capital ratio | 13.3538% | 5,861 |
| Memoranda: | ||
| Average total assets | $40,976,000 | 6,552 |
| Average earning assets | $35,571,250 | 6,596 |
| Average equity | $4,431,000 | 6,533 |
| Average total loans | $31,652,750 | 5,939 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2516% | 1,142 |
| Cost of funding earning assets | 0.9287% | 2,198 |
| Net interest margin | 4.3229% | 1,414 |
| Noninterest income to average assets | 0.4052% | 4,612 |
| Noninterest expense to average assets | 2.8117% | 3,968 |
| Loan and lease loss provision to assets | 0.0586% | 4,922 |
| Net operating income to assets | 1.2838% | 1,483 |
| Return on assets (ROA) | 1.2838% | 1,637 |
| Pretax return on assets | 1.2838% | 2,613 |
| Return on Equity (ROE) | 11.9781% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.2871% | 1,961 |
| Net charge-offs to loans | -0.0127% | 6,330 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6851% | 4,189 |
| Assets per employee ($millions) | 5.1666% | 1,958 |
| Cash dividends to net income (ytd only)* | 39.1635% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 6,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 76.8103% | 864 |
| Net loans and leases to deposits | 94.9800% | 698 |
| Net loans and leases to core deposits | 94.9800% | 1,508 |
| Total domestic deposits to total assets | 80.8700% | 5,514 |
| Equity capital to assets | 10.8315% | 3,310 |
| Core capital (leverage) ratio | 11.0669% | 2,237 |
| Tier 1 risk-based capital ratio | 12.3640% | 5,672 |
| Total risk-based capital ratio | 13.2118% | 5,930 |
| Memoranda: | ||
| Average total assets | $40,971,670 | 6,592 |
| Average earning assets | $35,532,000 | 6,640 |
| Average equity | $4,391,330 | 6,573 |
| Average total loans | $31,426,670 | 5,997 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1338% | 1,482 |
| Cost of funding earning assets | 0.9549% | 2,270 |
| Net interest margin | 4.1790% | 1,819 |
| Noninterest income to average assets | 0.3824% | 4,808 |
| Noninterest expense to average assets | 2.8045% | 4,007 |
| Loan and lease loss provision to assets | 0.0784% | 4,420 |
| Net operating income to assets | 1.1473% | 1,890 |
| Return on assets (ROA) | 1.1473% | 2,070 |
| Pretax return on assets | 1.1473% | 3,126 |
| Return on Equity (ROE) | 10.7623% | 2,119 |
| Retained earnings to average equity (ytd only) | 5.7951% | 3,079 |
| Net charge-offs to loans | -0.0129% | 6,024 |
| Credit loss provision to net charge-offs | -800.0000% | 5,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5864% | 3,884 |
| Assets per employee ($millions) | 5.0668% | 2,172 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 6,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 73.0399% | 1,220 |
| Net loans and leases to deposits | 90.4028% | 932 |
| Net loans and leases to core deposits | 90.4028% | 1,811 |
| Total domestic deposits to total assets | 80.7939% | 5,654 |
| Equity capital to assets | 10.8057% | 3,139 |
| Core capital (leverage) ratio | 10.6587% | 2,593 |
| Tier 1 risk-based capital ratio | 12.9040% | 5,278 |
| Total risk-based capital ratio | 13.7937% | 5,534 |
| Memoranda: | ||
| Average total assets | $40,791,000 | 6,657 |
| Average earning assets | $35,607,000 | 6,687 |
| Average equity | $4,348,500 | 6,620 |
| Average total loans | $31,112,500 | 6,059 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6231% | 917 |
| Cost of funding earning assets | 1.1693% | 2,227 |
| Net interest margin | 4.4537% | 1,249 |
| Noninterest income to average assets | 0.4855% | 3,956 |
| Noninterest expense to average assets | 3.0305% | 3,477 |
| Loan and lease loss provision to assets | 0.0751% | 5,670 |
| Net operating income to assets | 1.3163% | 1,202 |
| Return on assets (ROA) | 1.3163% | 1,304 |
| Pretax return on assets | 1.3163% | 2,064 |
| Return on Equity (ROE) | 12.6473% | 1,246 |
| Retained earnings to average equity (ytd only) | 7.9827% | 1,086 |
| Net charge-offs to loans | 0.0248% | 6,089 |
| Credit loss provision to net charge-offs | 375.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 431 |
| Efficiency ratio | 68.5342% | 4,246 |
| Assets per employee ($millions) | 5.1310% | 2,020 |
| Cash dividends to net income (ytd only)* | 36.8821% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 6,520 |
| Loan loss allowance to noncurrent loans | 101.3841% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 5,229 |
| Noncurrent loans to loans | 0.8943% | 4,897 |
| Net loans and leases to total assets | 78.0160% | 706 |
| Net loans and leases to deposits | 95.9291% | 675 |
| Net loans and leases to core deposits | 95.9291% | 1,498 |
| Total domestic deposits to total assets | 81.3267% | 5,356 |
| Equity capital to assets | 10.5170% | 3,521 |
| Core capital (leverage) ratio | 10.4799% | 2,753 |
| Tier 1 risk-based capital ratio | 11.9221% | 5,879 |
| Total risk-based capital ratio | 12.7313% | 6,161 |
| Memoranda: | ||
| Average total assets | $39,959,800 | 6,678 |
| Average earning assets | $35,318,800 | 6,701 |
| Average equity | $4,159,000 | 6,713 |
| Average total loans | $32,270,600 | 6,057 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6121% | 1,010 |
| Cost of funding earning assets | 1.2018% | 2,307 |
| Net interest margin | 4.4103% | 1,375 |
| Noninterest income to average assets | 0.4300% | 4,439 |
| Noninterest expense to average assets | 2.7716% | 4,456 |
| Loan and lease loss provision to assets | 0.0773% | 5,477 |
| Net operating income to assets | 1.5017% | 924 |
| Return on assets (ROA) | 1.5017% | 1,010 |
| Pretax return on assets | 1.5017% | 1,646 |
| Return on Equity (ROE) | 14.4675% | 947 |
| Retained earnings to average equity (ytd only) | 8.1884% | 1,433 |
| Net charge-offs to loans | -0.0207% | 6,920 |
| Credit loss provision to net charge-offs | -460.0000% | 6,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7066% | 5,121 |
| Assets per employee ($millions) | 5.1248% | 2,029 |
| Cash dividends to net income (ytd only)* | 43.4001% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 6,456 |
| Loan loss allowance to noncurrent loans | 3,322.2222% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 7,008 |
| Noncurrent loans to loans | 0.0286% | 6,870 |
| Net loans and leases to total assets | 76.1501% | 955 |
| Net loans and leases to deposits | 93.9117% | 844 |
| Net loans and leases to core deposits | 93.9117% | 1,798 |
| Total domestic deposits to total assets | 81.0869% | 5,403 |
| Equity capital to assets | 10.3371% | 3,912 |
| Core capital (leverage) ratio | 10.3535% | 3,031 |
| Tier 1 risk-based capital ratio | 11.9323% | 5,943 |
| Total risk-based capital ratio | 12.7742% | 6,220 |
| Memoranda: | ||
| Average total assets | $39,687,750 | 6,744 |
| Average earning assets | $35,280,250 | 6,758 |
| Average equity | $4,119,500 | 6,776 |
| Average total loans | $32,259,000 | 6,116 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6525% | 958 |
| Cost of funding earning assets | 1.2288% | 2,389 |
| Net interest margin | 4.4237% | 1,304 |
| Noninterest income to average assets | 0.4229% | 4,487 |
| Noninterest expense to average assets | 2.8127% | 4,376 |
| Loan and lease loss provision to assets | 0.0764% | 5,353 |
| Net operating income to assets | 1.4726% | 940 |
| Return on assets (ROA) | 1.4726% | 997 |
| Pretax return on assets | 1.4777% | 1,595 |
| Return on Equity (ROE) | 14.1667% | 943 |
| Retained earnings to average equity (ytd only) | 7.7451% | 1,558 |
| Net charge-offs to loans | -0.0185% | 6,804 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4107% | 5,166 |
| Assets per employee ($millions) | 4.9511% | 2,198 |
| Cash dividends to net income (ytd only)* | 45.3287% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 6,571 |
| Loan loss allowance to noncurrent loans | 2,890.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,038 |
| Noncurrent loans to loans | 0.0323% | 6,903 |
| Net loans and leases to total assets | 77.4243% | 855 |
| Net loans and leases to deposits | 95.8134% | 740 |
| Net loans and leases to core deposits | 95.8134% | 1,701 |
| Total domestic deposits to total assets | 80.8074% | 5,595 |
| Equity capital to assets | 10.4597% | 3,557 |
| Core capital (leverage) ratio | 10.3952% | 2,834 |
| Tier 1 risk-based capital ratio | 11.9206% | 5,848 |
| Total risk-based capital ratio | 12.7521% | 6,152 |
| Memoranda: | ||
| Average total assets | $39,251,000 | 6,816 |
| Average earning assets | $34,993,670 | 6,836 |
| Average equity | $4,080,000 | 6,826 |
| Average total loans | $32,505,670 | 6,161 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7371% | 822 |
| Cost of funding earning assets | 1.2546% | 2,473 |
| Net interest margin | 4.4825% | 1,111 |
| Noninterest income to average assets | 0.4197% | 4,541 |
| Noninterest expense to average assets | 2.7846% | 4,509 |
| Loan and lease loss provision to assets | 0.0819% | 4,977 |
| Net operating income to assets | 1.5663% | 749 |
| Return on assets (ROA) | 1.5663% | 788 |
| Pretax return on assets | 1.5766% | 1,240 |
| Return on Equity (ROE) | 15.1167% | 802 |
| Retained earnings to average equity (ytd only) | 12.5479% | 662 |
| Net charge-offs to loans | -0.0240% | 6,631 |
| Credit loss provision to net charge-offs | -400.0000% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6728% | 5,572 |
| Assets per employee ($millions) | 5.0221% | 2,133 |
| Cash dividends to net income (ytd only)* | 16.9935% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 6,776 |
| Loan loss allowance to noncurrent loans | 2,341.6667% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 7,094 |
| Noncurrent loans to loans | 0.0371% | 6,956 |
| Net loans and leases to total assets | 79.7123% | 537 |
| Net loans and leases to deposits | 98.1640% | 563 |
| Net loans and leases to core deposits | 98.1640% | 1,510 |
| Total domestic deposits to total assets | 81.2032% | 5,604 |
| Equity capital to assets | 10.2347% | 3,495 |
| Core capital (leverage) ratio | 10.1491% | 2,978 |
| Tier 1 risk-based capital ratio | 11.5015% | 6,105 |
| Total risk-based capital ratio | 12.2874% | 6,467 |
| Memoranda: | ||
| Average total assets | $39,072,000 | 6,865 |
| Average earning assets | $35,070,000 | 6,880 |
| Average equity | $4,048,500 | 6,873 |
| Average total loans | $33,280,500 | 6,166 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0588% | 757 |
| Cost of funding earning assets | 1.4803% | 2,760 |
| Net interest margin | 4.5785% | 1,054 |
| Noninterest income to average assets | 0.5167% | 4,048 |
| Noninterest expense to average assets | 3.3007% | 2,736 |
| Loan and lease loss provision to assets | 0.0803% | 6,350 |
| Net operating income to assets | 1.1431% | 1,567 |
| Return on assets (ROA) | 1.1431% | 1,648 |
| Pretax return on assets | 1.1431% | 2,423 |
| Return on Equity (ROE) | 10.8973% | 1,617 |
| Retained earnings to average equity (ytd only) | 5.0786% | 2,368 |
| Net charge-offs to loans | 0.0063% | 6,782 |
| Credit loss provision to net charge-offs | 1,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 228.5000% | 106 |
| Efficiency ratio | 72.9586% | 3,601 |
| Assets per employee ($millions) | 4.7459% | 2,497 |
| Cash dividends to net income (ytd only)* | 53.3958% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 6,986 |
| Loan loss allowance to noncurrent loans | 3,011.1111% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 7,183 |
| Noncurrent loans to loans | 0.0263% | 7,071 |
| Net loans and leases to total assets | 89.5067% | 68 |
| Net loans and leases to deposits | 111.0556% | 214 |
| Net loans and leases to core deposits | 111.0556% | 865 |
| Total domestic deposits to total assets | 80.5963% | 5,659 |
| Equity capital to assets | 10.4960% | 3,160 |
| Core capital (leverage) ratio | 10.4689% | 2,590 |
| Tier 1 risk-based capital ratio | 10.8027% | 6,486 |
| Total risk-based capital ratio | 11.5373% | 6,806 |
| Memoranda: | ||
| Average total assets | $37,355,600 | 6,961 |
| Average earning assets | $32,696,200 | 6,994 |
| Average equity | $3,918,400 | 7,025 |
| Average total loans | $31,523,600 | 6,337 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1005% | 761 |
| Cost of funding earning assets | 1.5210% | 2,837 |
| Net interest margin | 4.5795% | 1,087 |
| Noninterest income to average assets | 0.4516% | 4,548 |
| Noninterest expense to average assets | 2.9603% | 3,885 |
| Loan and lease loss provision to assets | 0.0824% | 6,218 |
| Net operating income to assets | 1.3798% | 1,148 |
| Return on assets (ROA) | 1.3798% | 1,231 |
| Pretax return on assets | 1.3798% | 1,940 |
| Return on Equity (ROE) | 13.1561% | 1,216 |
| Retained earnings to average equity (ytd only) | 5.3650% | 2,728 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9368% | 4,669 |
| Assets per employee ($millions) | 4.6708% | 2,650 |
| Cash dividends to net income (ytd only)* | 59.2204% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 6,784 |
| Loan loss allowance to noncurrent loans | 2,216.6667% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 7,279 |
| Noncurrent loans to loans | 0.0400% | 7,147 |
| Net loans and leases to total assets | 79.5804% | 812 |
| Net loans and leases to deposits | 99.6582% | 681 |
| Net loans and leases to core deposits | 99.6582% | 1,881 |
| Total domestic deposits to total assets | 79.8533% | 5,753 |
| Equity capital to assets | 10.5524% | 3,461 |
| Core capital (leverage) ratio | 10.3412% | 2,867 |
| Tier 1 risk-based capital ratio | 11.7966% | 5,641 |
| Total risk-based capital ratio | 12.5924% | 6,055 |
| Memoranda: | ||
| Average total assets | $37,202,750 | 7,044 |
| Average earning assets | $32,258,750 | 7,088 |
| Average equity | $3,901,750 | 7,113 |
| Average total loans | $30,841,000 | 6,444 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1760% | 654 |
| Cost of funding earning assets | 1.5254% | 3,103 |
| Net interest margin | 4.6506% | 891 |
| Noninterest income to average assets | 0.4415% | 4,594 |
| Noninterest expense to average assets | 2.9665% | 3,831 |
| Loan and lease loss provision to assets | 0.0808% | 6,125 |
| Net operating income to assets | 1.4321% | 1,030 |
| Return on assets (ROA) | 1.4375% | 1,085 |
| Pretax return on assets | 1.4375% | 1,733 |
| Return on Equity (ROE) | 13.7346% | 1,089 |
| Retained earnings to average equity (ytd only) | 8.8477% | 1,155 |
| Net charge-offs to loans | -0.0193% | 7,277 |
| Credit loss provision to net charge-offs | -500.0000% | 6,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2260% | 4,943 |
| Assets per employee ($millions) | 5.3293% | 1,779 |
| Cash dividends to net income (ytd only)* | 35.5805% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 6,899 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 6,633 |
| Noncurrent loans to loans | 0.3785% | 6,481 |
| Net loans and leases to total assets | 81.4636% | 600 |
| Net loans and leases to deposits | 101.6422% | 609 |
| Net loans and leases to core deposits | 105.1339% | 1,523 |
| Total domestic deposits to total assets | 80.1474% | 5,688 |
| Equity capital to assets | 10.6098% | 3,267 |
| Core capital (leverage) ratio | 10.5552% | 2,581 |
| Tier 1 risk-based capital ratio | 11.6824% | 5,599 |
| Total risk-based capital ratio | 12.4528% | 6,019 |
| Memoranda: | ||
| Average total assets | $37,148,330 | 7,106 |
| Average earning assets | $32,254,000 | 7,143 |
| Average equity | $3,888,000 | 7,153 |
| Average total loans | $31,120,670 | 6,474 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3366% | 494 |
| Cost of funding earning assets | 1.5373% | 3,348 |
| Net interest margin | 4.7993% | 647 |
| Noninterest income to average assets | 0.4424% | 4,542 |
| Noninterest expense to average assets | 3.0645% | 3,414 |
| Loan and lease loss provision to assets | 0.0863% | 5,779 |
| Net operating income to assets | 1.4351% | 1,007 |
| Return on assets (ROA) | 1.4459% | 1,065 |
| Pretax return on assets | 1.4459% | 1,651 |
| Return on Equity (ROE) | 13.9112% | 1,066 |
| Retained earnings to average equity (ytd only) | 13.9112% | 518 |
| Net charge-offs to loans | -0.0255% | 7,139 |
| Credit loss provision to net charge-offs | -400.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8235% | 4,951 |
| Assets per employee ($millions) | 4.6276% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 7,115 |
| Loan loss allowance to noncurrent loans | 25,300.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,501 |
| Noncurrent loans to loans | 0.0032% | 7,416 |
| Net loans and leases to total assets | 84.1576% | 357 |
| Net loans and leases to deposits | 104.9872% | 477 |
| Net loans and leases to core deposits | 108.6218% | 1,372 |
| Total domestic deposits to total assets | 80.1599% | 5,733 |
| Equity capital to assets | 10.5886% | 3,154 |
| Core capital (leverage) ratio | 10.3275% | 2,782 |
| Tier 1 risk-based capital ratio | 11.4396% | 5,730 |
| Total risk-based capital ratio | 12.1779% | 6,205 |
| Memoranda: | ||
| Average total assets | $37,070,000 | 7,196 |
| Average earning assets | $32,004,500 | 7,252 |
| Average equity | $3,853,000 | 7,230 |
| Average total loans | $31,355,500 | 6,554 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1657% | 1,331 |
| Cost of funding earning assets | 1.7383% | 4,319 |
| Net interest margin | 4.4274% | 1,354 |
| Noninterest income to average assets | 0.5283% | 4,193 |
| Noninterest expense to average assets | 3.7128% | 1,886 |
| Loan and lease loss provision to assets | 0.0866% | 6,747 |
| Net operating income to assets | 0.6409% | 3,172 |
| Return on assets (ROA) | 0.6409% | 3,232 |
| Pretax return on assets | 0.6409% | 3,777 |
| Return on Equity (ROE) | 5.9514% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.4315% | 2,766 |
| Net charge-offs to loans | 0.0449% | 6,656 |
| Credit loss provision to net charge-offs | 230.7692% | 1,588 |
| Earnings coverage of net charge-offs (x) | 19.3846% | 1,085 |
| Efficiency ratio | 83.6151% | 2,398 |
| Assets per employee ($millions) | 4.6399% | 2,703 |
| Cash dividends to net income (ytd only)* | 42.3423% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 7,197 |
| Loan loss allowance to noncurrent loans | 3,037.5000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 7,472 |
| Noncurrent loans to loans | 0.0256% | 7,375 |
| Net loans and leases to total assets | 83.6741% | 468 |
| Net loans and leases to deposits | 95.7783% | 1,358 |
| Net loans and leases to core deposits | 111.9001% | 2,708 |
| Total domestic deposits to total assets | 87.3623% | 2,285 |
| Equity capital to assets | 10.1996% | 3,514 |
| Core capital (leverage) ratio | 10.8116% | 2,341 |
| Tier 1 risk-based capital ratio | 11.0547% | 5,874 |
| Total risk-based capital ratio | 11.7642% | 6,359 |
| Memoranda: | ||
| Average total assets | $34,637,200 | 7,296 |
| Average earning assets | $30,604,800 | 7,332 |
| Average equity | $3,730,200 | 7,377 |
| Average total loans | $28,976,600 | 6,688 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0884% | 1,691 |
| Cost of funding earning assets | 1.8217% | 4,278 |
| Net interest margin | 4.2667% | 1,817 |
| Noninterest income to average assets | 0.4625% | 4,800 |
| Noninterest expense to average assets | 3.5315% | 2,193 |
| Loan and lease loss provision to assets | 0.0862% | 6,505 |
| Net operating income to assets | 0.6546% | 3,382 |
| Return on assets (ROA) | 0.6546% | 3,444 |
| Pretax return on assets | 0.6546% | 4,003 |
| Return on Equity (ROE) | 5.9915% | 3,534 |
| Retained earnings to average equity (ytd only) | 3.8030% | 3,161 |
| Net charge-offs to loans | -0.0094% | 7,675 |
| Credit loss provision to net charge-offs | -1,100.0000% | 7,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6606% | 2,486 |
| Assets per employee ($millions) | 4.2785% | 3,239 |
| Cash dividends to net income (ytd only)* | 36.5265% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,834 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 6,574 |
| Noncurrent loans to loans | 0.4414% | 6,445 |
| Net loans and leases to total assets | 82.0060% | 812 |
| Net loans and leases to deposits | 95.4014% | 1,657 |
| Net loans and leases to core deposits | 111.3672% | 3,083 |
| Total domestic deposits to total assets | 85.9589% | 2,719 |
| Equity capital to assets | 10.9968% | 3,007 |
| Core capital (leverage) ratio | 11.0094% | 2,397 |
| Tier 1 risk-based capital ratio | 12.0552% | 4,922 |
| Total risk-based capital ratio | 12.8559% | 5,273 |
| Memoranda: | ||
| Average total assets | $34,016,750 | 7,385 |
| Average earning assets | $30,373,750 | 7,401 |
| Average equity | $3,716,250 | 7,442 |
| Average total loans | $28,395,250 | 6,776 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1182% | 1,732 |
| Cost of funding earning assets | 1.8578% | 4,476 |
| Net interest margin | 4.2604% | 1,779 |
| Noninterest income to average assets | 0.4654% | 4,743 |
| Noninterest expense to average assets | 3.6293% | 2,004 |
| Loan and lease loss provision to assets | 0.0884% | 6,284 |
| Net operating income to assets | 0.5715% | 3,806 |
| Return on assets (ROA) | 0.5715% | 3,912 |
| Pretax return on assets | 0.5715% | 4,401 |
| Return on Equity (ROE) | 5.2428% | 3,976 |
| Retained earnings to average equity (ytd only) | 3.0268% | 3,635 |
| Net charge-offs to loans | -0.0070% | 7,570 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 2,408 |
| Assets per employee ($millions) | 4.1568% | 3,378 |
| Cash dividends to net income (ytd only)* | 42.2680% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,876 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 6,635 |
| Noncurrent loans to loans | 0.3978% | 6,515 |
| Net loans and leases to total assets | 82.4322% | 875 |
| Net loans and leases to deposits | 96.0409% | 1,793 |
| Net loans and leases to core deposits | 113.3617% | 2,983 |
| Total domestic deposits to total assets | 85.8303% | 2,870 |
| Equity capital to assets | 11.1686% | 2,776 |
| Core capital (leverage) ratio | 11.0204% | 2,380 |
| Tier 1 risk-based capital ratio | 12.1954% | 4,757 |
| Total risk-based capital ratio | 12.9901% | 5,077 |
| Memoranda: | ||
| Average total assets | $33,946,330 | 7,452 |
| Average earning assets | $30,466,330 | 7,459 |
| Average equity | $3,700,330 | 7,510 |
| Average total loans | $28,420,670 | 6,823 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2131% | 1,558 |
| Cost of funding earning assets | 1.8887% | 4,694 |
| Net interest margin | 4.3244% | 1,536 |
| Noninterest income to average assets | 0.4432% | 4,849 |
| Noninterest expense to average assets | 3.3943% | 2,378 |
| Loan and lease loss provision to assets | 0.0933% | 5,762 |
| Net operating income to assets | 0.8282% | 3,007 |
| Return on assets (ROA) | 0.8282% | 3,158 |
| Pretax return on assets | 0.8282% | 3,981 |
| Return on Equity (ROE) | 7.6892% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.6892% | 1,936 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6486% | 3,059 |
| Assets per employee ($millions) | 3.7096% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 6,970 |
| Loan loss allowance to noncurrent loans | 210.8108% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 6,517 |
| Noncurrent loans to loans | 0.4031% | 6,409 |
| Net loans and leases to total assets | 81.7708% | 1,053 |
| Net loans and leases to deposits | 95.0292% | 2,104 |
| Net loans and leases to core deposits | 112.0046% | 3,221 |
| Total domestic deposits to total assets | 86.0480% | 2,688 |
| Equity capital to assets | 11.1694% | 2,838 |
| Core capital (leverage) ratio | 10.6867% | 2,753 |
| Tier 1 risk-based capital ratio | 12.2980% | 4,708 |
| Total risk-based capital ratio | 13.0697% | 5,017 |
| Memoranda: | ||
| Average total assets | $34,292,500 | 7,481 |
| Average earning assets | $30,709,500 | 7,490 |
| Average equity | $3,693,500 | 7,558 |
| Average total loans | $28,804,000 | 6,831 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1882% | 766 |
| Cost of funding earning assets | 2.7395% | 2,978 |
| Net interest margin | 4.4487% | 1,542 |
| Noninterest income to average assets | 0.5288% | 4,397 |
| Noninterest expense to average assets | 3.5128% | 2,360 |
| Loan and lease loss provision to assets | 0.0355% | 6,964 |
| Net operating income to assets | 0.9100% | 2,959 |
| Return on assets (ROA) | 0.9100% | 2,809 |
| Pretax return on assets | 0.9100% | 3,691 |
| Return on Equity (ROE) | 8.5484% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.9958% | 2,033 |
| Net charge-offs to loans | 0.1484% | 4,723 |
| Credit loss provision to net charge-offs | 28.5714% | 6,537 |
| Earnings coverage of net charge-offs (x) | 7.6190% | 3,066 |
| Efficiency ratio | 78.7939% | 2,790 |
| Assets per employee ($millions) | 3.9110% | 3,704 |
| Cash dividends to net income (ytd only)* | 41.5584% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 7,277 |
| Loan loss allowance to noncurrent loans | 282.5000% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 6,668 |
| Noncurrent loans to loans | 0.2660% | 6,578 |
| Net loans and leases to total assets | 84.7979% | 759 |
| Net loans and leases to deposits | 97.2976% | 2,233 |
| Net loans and leases to core deposits | 112.5193% | 3,509 |
| Total domestic deposits to total assets | 87.1530% | 1,864 |
| Equity capital to assets | 10.3923% | 3,623 |
| Core capital (leverage) ratio | 10.7040% | 2,819 |
| Tier 1 risk-based capital ratio | 11.3421% | 5,398 |
| Total risk-based capital ratio | 12.0272% | 5,839 |
| Memoranda: | ||
| Average total assets | $33,847,600 | 7,469 |
| Average earning assets | $29,896,400 | 7,517 |
| Average equity | $3,603,000 | 7,647 |
| Average total loans | $28,296,000 | 6,821 |