Home > State Bank & Trust Company > Performance and Condition Ratios
State Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 2,822 |
| Cost of funding earning assets | 0.7914% | 3,757 |
| Net interest margin | 3.8417% | 1,487 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.9490% | 1,195 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8424% | 2,734 |
| Return on assets (ROA) | 0.7750% | 2,935 |
| Pretax return on assets | 0.7750% | 3,271 |
| Return on Equity (ROE) | 11.2400% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.2295% | 1,203 |
| Net charge-offs to loans | 0.0248% | 1,820 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 62.3000% | 1,166 |
| Efficiency ratio | 77.5009% | 1,115 |
| Assets per employee ($millions) | 4.5365% | 3,929 |
| Cash dividends to net income (ytd only)* | 17.9078% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 633 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.6700% | 2,788 |
| Net loans and leases to deposits | 69.8168% | 2,897 |
| Net loans and leases to core deposits | 78.7784% | 2,778 |
| Total domestic deposits to total assets | 86.9000% | 1,715 |
| Equity capital to assets | 7.9995% | 3,417 |
| Core capital (leverage) ratio | 11.2127% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2486% | 871 |
| Memoranda: | ||
| Average total assets | $145,539,400 | 3,408 |
| Average earning assets | $135,330,400 | 3,386 |
| Average equity | $10,033,000 | 3,716 |
| Average total loans | $80,487,600 | 3,398 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 2,861 |
| Cost of funding earning assets | 0.6881% | 3,790 |
| Net interest margin | 3.8331% | 1,533 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.9688% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8158% | 2,979 |
| Return on assets (ROA) | 0.7813% | 3,072 |
| Pretax return on assets | 0.7813% | 3,379 |
| Return on Equity (ROE) | 11.7900% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.0177% | 1,684 |
| Net charge-offs to loans | 0.0321% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 47.2632% | 1,345 |
| Efficiency ratio | 78.4446% | 975 |
| Assets per employee ($millions) | 4.6829% | 3,830 |
| Cash dividends to net income (ytd only)* | 23.4884% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 553 |
| Loan loss allowance to noncurrent loans | 380.1034% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 1,935 |
| Noncurrent loans to loans | 0.4781% | 1,628 |
| Net loans and leases to total assets | 54.7500% | 3,307 |
| Net loans and leases to deposits | 61.2418% | 3,442 |
| Net loans and leases to core deposits | 68.5317% | 3,295 |
| Total domestic deposits to total assets | 89.4000% | 1,117 |
| Equity capital to assets | 6.3291% | 3,886 |
| Core capital (leverage) ratio | 10.7248% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6658% | 862 |
| Memoranda: | ||
| Average total assets | $146,766,000 | 3,402 |
| Average earning assets | $136,212,000 | 3,389 |
| Average equity | $9,728,750 | 3,750 |
| Average total loans | $78,906,500 | 3,433 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4224% | 2,834 |
| Cost of funding earning assets | 0.5672% | 3,839 |
| Net interest margin | 3.8552% | 1,513 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.8867% | 1,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9124% | 2,714 |
| Return on assets (ROA) | 0.8595% | 2,890 |
| Pretax return on assets | 0.8595% | 3,265 |
| Return on Equity (ROE) | 12.7800% | 1,952 |
| Retained earnings to average equity (ytd only) | 8.6992% | 1,765 |
| Net charge-offs to loans | 0.0102% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 694 |
| Efficiency ratio | 75.9828% | 1,175 |
| Assets per employee ($millions) | 4.5144% | 3,943 |
| Cash dividends to net income (ytd only)* | 31.9115% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 562 |
| Loan loss allowance to noncurrent loans | 6,763.6364% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,686 |
| Noncurrent loans to loans | 0.0271% | 3,561 |
| Net loans and leases to total assets | 55.1600% | 3,178 |
| Net loans and leases to deposits | 62.0733% | 3,303 |
| Net loans and leases to core deposits | 68.6938% | 3,200 |
| Total domestic deposits to total assets | 88.8700% | 1,301 |
| Equity capital to assets | 7.0033% | 3,800 |
| Core capital (leverage) ratio | 10.5838% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4529% | 891 |
| Memoranda: | ||
| Average total assets | $147,298,000 | 3,406 |
| Average earning assets | $136,804,000 | 3,394 |
| Average equity | $9,909,000 | 3,755 |
| Average total loans | $78,225,333 | 3,441 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 2,648 |
| Cost of funding earning assets | 0.4836% | 3,747 |
| Net interest margin | 3.8774% | 1,519 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.9210% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8984% | 2,860 |
| Return on assets (ROA) | 0.8984% | 2,819 |
| Pretax return on assets | 0.8984% | 3,242 |
| Return on Equity (ROE) | 13.6300% | 1,853 |
| Retained earnings to average equity (ytd only) | 5.4258% | 2,914 |
| Net charge-offs to loans | 0.6411% | 124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.7154% | 1,917 |
| Efficiency ratio | 76.4789% | 1,129 |
| Assets per employee ($millions) | 4.7854% | 3,809 |
| Cash dividends to net income (ytd only)* | 60.1796% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 695 |
| Loan loss allowance to noncurrent loans | 68,450.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,916 |
| Noncurrent loans to loans | 0.0026% | 3,842 |
| Net loans and leases to total assets | 51.0800% | 3,414 |
| Net loans and leases to deposits | 55.1112% | 3,624 |
| Net loans and leases to core deposits | 60.3176% | 3,527 |
| Total domestic deposits to total assets | 92.6800% | 358 |
| Equity capital to assets | 6.7922% | 3,917 |
| Core capital (leverage) ratio | 10.0855% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8118% | 869 |
| Memoranda: | ||
| Average total assets | $148,717,000 | 3,440 |
| Average earning assets | $138,134,500 | 3,430 |
| Average equity | $9,805,000 | 3,811 |
| Average total loans | $76,748,500 | 3,504 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4564% | 3,192 |
| Cost of funding earning assets | 0.2454% | 3,360 |
| Net interest margin | 3.2110% | 2,839 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.2745% | 2,820 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9073% | 2,930 |
| Return on assets (ROA) | 0.8589% | 3,049 |
| Pretax return on assets | 0.8589% | 3,461 |
| Return on Equity (ROE) | 13.0100% | 1,807 |
| Retained earnings to average equity (ytd only) | 6.6327% | 2,396 |
| Net charge-offs to loans | 0.0094% | 2,028 |
| Credit loss provision to net charge-offs | 428.5714% | 747 |
| Earnings coverage of net charge-offs (x) | 215.7143% | 622 |
| Efficiency ratio | 71.0728% | 1,553 |
| Assets per employee ($millions) | 4.6590% | 3,932 |
| Cash dividends to net income (ytd only)* | 49.0364% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 474 |
| 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 | 50.2100% | 3,491 |
| Net loans and leases to deposits | 53.8862% | 3,683 |
| Net loans and leases to core deposits | 56.8973% | 3,683 |
| Total domestic deposits to total assets | 93.1800% | 371 |
| Equity capital to assets | 6.3949% | 3,942 |
| Core capital (leverage) ratio | 9.8642% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4818% | 899 |
| Memoranda: | ||
| Average total assets | $163,116,200 | 3,324 |
| Average earning assets | $152,788,800 | 3,300 |
| Average equity | $10,764,800 | 3,783 |
| Average total loans | $74,614,600 | 3,495 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2641% | 3,272 |
| Cost of funding earning assets | 0.2386% | 2,834 |
| Net interest margin | 3.0254% | 3,154 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.1885% | 2,965 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8122% | 3,204 |
| Return on assets (ROA) | 0.8122% | 3,172 |
| Pretax return on assets | 0.8122% | 3,553 |
| Return on Equity (ROE) | 12.2200% | 1,963 |
| Retained earnings to average equity (ytd only) | 5.7920% | 2,822 |
| Net charge-offs to loans | 0.0054% | 1,972 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 348.3333% | 427 |
| Efficiency ratio | 72.3545% | 1,469 |
| Assets per employee ($millions) | 5.1035% | 3,590 |
| Cash dividends to net income (ytd only)* | 52.6108% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0634% | 446 |
| 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 | 44.8200% | 3,829 |
| Net loans and leases to deposits | 47.5325% | 3,968 |
| Net loans and leases to core deposits | 50.0703% | 3,942 |
| Total domestic deposits to total assets | 94.2900% | 317 |
| Equity capital to assets | 5.2500% | 4,208 |
| Core capital (leverage) ratio | 9.0469% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8254% | 882 |
| Memoranda: | ||
| Average total assets | $166,623,250 | 3,317 |
| Average earning assets | $156,447,250 | 3,296 |
| Average equity | $11,072,500 | 3,799 |
| Average total loans | $74,179,750 | 3,516 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0610% | 3,400 |
| Cost of funding earning assets | 0.2411% | 2,384 |
| Net interest margin | 2.8200% | 3,382 |
| Noninterest income to average assets | 0.1700% | 4,158 |
| Noninterest expense to average assets | 2.0858% | 3,191 |
| Loan and lease loss provision to assets | 0.0354% | 1,946 |
| Net operating income to assets | 0.7000% | 3,311 |
| Return on assets (ROA) | 0.7000% | 3,265 |
| Pretax return on assets | 0.7000% | 3,574 |
| Return on Equity (ROE) | 9.8877% | 2,374 |
| Retained earnings to average equity (ytd only) | 4.3186% | 2,968 |
| Net charge-offs to loans | 0.0134% | 1,515 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 124.6000% | 719 |
| Efficiency ratio | 73.9331% | 1,516 |
| Assets per employee ($millions) | 5.5314% | 3,194 |
| Cash dividends to net income (ytd only)* | 56.3238% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 551 |
| Loan loss allowance to noncurrent loans | 49,766.6667% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,057 |
| Noncurrent loans to loans | 0.0040% | 3,970 |
| Net loans and leases to total assets | 44.0576% | 3,830 |
| Net loans and leases to deposits | 46.9925% | 3,986 |
| Net loans and leases to core deposits | 49.3923% | 3,962 |
| Total domestic deposits to total assets | 93.7544% | 329 |
| Equity capital to assets | 5.8147% | 4,267 |
| Core capital (leverage) ratio | 8.5664% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1867% | 965 |
| Memoranda: | ||
| Average total assets | $169,428,000 | 3,340 |
| Average earning assets | $159,293,333 | 3,318 |
| Average equity | $11,994,667 | 3,784 |
| Average total loans | $74,771,667 | 3,535 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7677% | 3,809 |
| Cost of funding earning assets | 0.2401% | 2,264 |
| Net interest margin | 2.5275% | 3,837 |
| Noninterest income to average assets | 0.1706% | 4,145 |
| Noninterest expense to average assets | 2.0775% | 3,229 |
| Loan and lease loss provision to assets | 0.0537% | 1,420 |
| Net operating income to assets | 0.4253% | 3,903 |
| Return on assets (ROA) | 0.4253% | 3,867 |
| Pretax return on assets | 0.4253% | 3,993 |
| Return on Equity (ROE) | 5.5288% | 3,478 |
| Retained earnings to average equity (ytd only) | 5.5288% | 2,403 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2614% | 1,048 |
| Assets per employee ($millions) | 5.7358% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 558 |
| Loan loss allowance to noncurrent loans | 7,455.0000% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,951 |
| Noncurrent loans to loans | 0.0277% | 3,796 |
| Net loans and leases to total assets | 41.1486% | 3,941 |
| Net loans and leases to deposits | 44.3769% | 4,045 |
| Net loans and leases to core deposits | 46.4296% | 4,051 |
| Total domestic deposits to total assets | 92.7252% | 338 |
| Equity capital to assets | 6.8906% | 4,265 |
| Core capital (leverage) ratio | 8.3454% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9749% | 910 |
| Memoranda: | ||
| Average total assets | $171,171,000 | 3,333 |
| Average earning assets | $161,580,500 | 3,311 |
| Average equity | $13,167,500 | 3,742 |
| Average total loans | $74,856,000 | 3,543 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 1,051 |
| Cost of funding earning assets | 0.3154% | 2,246 |
| Net interest margin | 3.8538% | 916 |
| Noninterest income to average assets | 0.3375% | 3,394 |
| Noninterest expense to average assets | 2.8833% | 1,187 |
| Loan and lease loss provision to assets | 0.5470% | 98 |
| Net operating income to assets | 0.4975% | 4,088 |
| Return on assets (ROA) | 0.4975% | 4,132 |
| Pretax return on assets | 0.4975% | 4,262 |
| Return on Equity (ROE) | 4.6148% | 4,082 |
| Retained earnings to average equity (ytd only) | 0.9580% | 4,271 |
| Net charge-offs to loans | 0.6854% | 114 |
| Credit loss provision to net charge-offs | 134.2857% | 1,554 |
| Earnings coverage of net charge-offs (x) | 2.5643% | 2,580 |
| Efficiency ratio | 73.4074% | 1,373 |
| Assets per employee ($millions) | 5.6756% | 3,089 |
| Cash dividends to net income (ytd only)* | 79.2398% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 735 |
| Loan loss allowance to noncurrent loans | 1,906.4935% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 2,690 |
| Noncurrent loans to loans | 0.0995% | 3,432 |
| Net loans and leases to total assets | 44.6044% | 3,790 |
| Net loans and leases to deposits | 48.9425% | 3,945 |
| Net loans and leases to core deposits | 51.4860% | 3,930 |
| Total domestic deposits to total assets | 91.1363% | 443 |
| Equity capital to assets | 8.5031% | 4,047 |
| Core capital (leverage) ratio | 9.0074% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1356% | 874 |
| Memoranda: | ||
| Average total assets | $137,482,600 | 3,603 |
| Average earning assets | $128,081,000 | 3,598 |
| Average equity | $14,821,800 | 3,656 |
| Average total loans | $81,708,800 | 3,445 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 575 |
| Cost of funding earning assets | 0.3377% | 2,224 |
| Net interest margin | 4.2603% | 491 |
| Noninterest income to average assets | 0.3125% | 3,561 |
| Noninterest expense to average assets | 2.8195% | 1,297 |
| Loan and lease loss provision to assets | 0.7294% | 64 |
| Net operating income to assets | 0.7188% | 3,723 |
| Return on assets (ROA) | 0.7188% | 3,785 |
| Pretax return on assets | 0.7188% | 4,037 |
| Return on Equity (ROE) | 6.2337% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.7921% | 3,642 |
| Net charge-offs to loans | 0.9277% | 73 |
| Credit loss provision to net charge-offs | 122.7431% | 1,449 |
| Earnings coverage of net charge-offs (x) | 2.4375% | 2,348 |
| Efficiency ratio | 66.0706% | 2,090 |
| Assets per employee ($millions) | 4.0423% | 4,424 |
| Cash dividends to net income (ytd only)* | 39.1679% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 1,028 |
| Loan loss allowance to noncurrent loans | 102.9283% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.3823% | 381 |
| Noncurrent loans to loans | 1.6914% | 596 |
| Net loans and leases to total assets | 59.4886% | 2,322 |
| Net loans and leases to deposits | 67.4131% | 2,493 |
| Net loans and leases to core deposits | 70.0932% | 2,590 |
| Total domestic deposits to total assets | 88.2449% | 1,694 |
| Equity capital to assets | 11.2469% | 1,858 |
| Core capital (leverage) ratio | 11.0935% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2722% | 913 |
| Memoranda: | ||
| Average total assets | $129,286,250 | 3,722 |
| Average earning assets | $120,021,000 | 3,724 |
| Average equity | $14,907,750 | 3,693 |
| Average total loans | $82,782,250 | 3,477 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 308 |
| Cost of funding earning assets | 0.3458% | 2,354 |
| Net interest margin | 4.7174% | 253 |
| Noninterest income to average assets | 0.3111% | 3,569 |
| Noninterest expense to average assets | 2.7643% | 1,431 |
| Loan and lease loss provision to assets | 1.0585% | 37 |
| Net operating income to assets | 0.8615% | 3,330 |
| Return on assets (ROA) | 0.8615% | 3,405 |
| Pretax return on assets | 0.8615% | 3,743 |
| Return on Equity (ROE) | 7.4079% | 3,552 |
| Retained earnings to average equity (ytd only) | 3.7376% | 3,606 |
| Net charge-offs to loans | 1.5074% | 44 |
| Credit loss provision to net charge-offs | 107.6312% | 1,322 |
| Earnings coverage of net charge-offs (x) | 1.9523% | 2,154 |
| Efficiency ratio | 59.0120% | 3,150 |
| Assets per employee ($millions) | 3.8095% | 4,543 |
| Cash dividends to net income (ytd only)* | 49.5463% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,490 |
| Loan loss allowance to noncurrent loans | 93.6351% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.4607% | 399 |
| Noncurrent loans to loans | 1.6345% | 663 |
| Net loans and leases to total assets | 65.7690% | 1,711 |
| Net loans and leases to deposits | 74.6931% | 1,936 |
| Net loans and leases to core deposits | 77.7606% | 2,067 |
| Total domestic deposits to total assets | 88.0523% | 1,790 |
| Equity capital to assets | 11.4991% | 1,630 |
| Core capital (leverage) ratio | 10.9807% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8973% | 978 |
| Memoranda: | ||
| Average total assets | $127,916,000 | 3,748 |
| Average earning assets | $118,582,000 | 3,752 |
| Average equity | $14,876,000 | 3,696 |
| Average total loans | $83,455,667 | 3,490 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 686 |
| Cost of funding earning assets | 0.3597% | 2,448 |
| Net interest margin | 4.2284% | 576 |
| Noninterest income to average assets | 0.3210% | 3,485 |
| Noninterest expense to average assets | 2.6716% | 1,686 |
| Loan and lease loss provision to assets | 0.1416% | 940 |
| Net operating income to assets | 1.4287% | 1,498 |
| Return on assets (ROA) | 1.4287% | 1,570 |
| Pretax return on assets | 1.4287% | 2,197 |
| Return on Equity (ROE) | 12.2150% | 1,938 |
| Retained earnings to average equity (ytd only) | 12.2150% | 1,096 |
| Net charge-offs to loans | 0.1709% | 468 |
| Credit loss provision to net charge-offs | 128.5714% | 1,023 |
| Earnings coverage of net charge-offs (x) | 14.2571% | 1,369 |
| Efficiency ratio | 62.9822% | 2,611 |
| Assets per employee ($millions) | 3.8191% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 1,574 |
| Loan loss allowance to noncurrent loans | 61.7562% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.9723% | 259 |
| Noncurrent loans to loans | 2.4450% | 386 |
| Net loans and leases to total assets | 64.6500% | 1,962 |
| Net loans and leases to deposits | 73.3927% | 2,170 |
| Net loans and leases to core deposits | 75.9065% | 2,366 |
| Total domestic deposits to total assets | 88.0878% | 1,803 |
| Equity capital to assets | 11.5503% | 1,510 |
| Core capital (leverage) ratio | 11.4933% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8850% | 947 |
| Memoranda: | ||
| Average total assets | $127,112,500 | 3,763 |
| Average earning assets | $117,870,500 | 3,765 |
| Average equity | $14,867,000 | 3,701 |
| Average total loans | $81,928,500 | 3,527 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 1,725 |
| Cost of funding earning assets | 0.5304% | 2,746 |
| Net interest margin | 3.8181% | 1,452 |
| Noninterest income to average assets | 0.3201% | 3,543 |
| Noninterest expense to average assets | 3.1378% | 1,162 |
| Loan and lease loss provision to assets | 0.3556% | 965 |
| Net operating income to assets | 0.3449% | 4,361 |
| Return on assets (ROA) | 0.3606% | 4,397 |
| Pretax return on assets | 0.3606% | 4,469 |
| Return on Equity (ROE) | 2.9559% | 4,397 |
| Retained earnings to average equity (ytd only) | 0.2441% | 4,447 |
| Net charge-offs to loans | 0.5345% | 292 |
| Credit loss provision to net charge-offs | 100.4673% | 2,813 |
| Earnings coverage of net charge-offs (x) | 1.9790% | 3,214 |
| Efficiency ratio | 81.7496% | 762 |
| Assets per employee ($millions) | 3.5536% | 4,630 |
| Cash dividends to net income (ytd only)* | 91.7431% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 1,236 |
| Loan loss allowance to noncurrent loans | 54.6467% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.9698% | 289 |
| Noncurrent loans to loans | 2.9699% | 286 |
| Net loans and leases to total assets | 62.1877% | 2,584 |
| Net loans and leases to deposits | 70.8284% | 2,792 |
| Net loans and leases to core deposits | 73.7218% | 2,935 |
| Total domestic deposits to total assets | 87.8006% | 1,570 |
| Equity capital to assets | 11.8480% | 1,651 |
| Core capital (leverage) ratio | 11.3143% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8684% | 917 |
| Memoranda: | ||
| Average total assets | $120,913,400 | 3,734 |
| Average earning assets | $111,416,400 | 3,744 |
| Average equity | $14,750,000 | 3,673 |
| Average total loans | $80,069,400 | 3,555 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,586 |
| Cost of funding earning assets | 0.5675% | 2,824 |
| Net interest margin | 3.9266% | 1,292 |
| Noninterest income to average assets | 0.3121% | 3,620 |
| Noninterest expense to average assets | 3.1731% | 1,115 |
| Loan and lease loss provision to assets | 0.1591% | 2,409 |
| Net operating income to assets | 0.5920% | 3,793 |
| Return on assets (ROA) | 0.6131% | 3,821 |
| Pretax return on assets | 0.6131% | 4,081 |
| Return on Equity (ROE) | 4.9885% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.9885% | 2,563 |
| Net charge-offs to loans | 0.2951% | 533 |
| Credit loss provision to net charge-offs | 80.3371% | 2,757 |
| Earnings coverage of net charge-offs (x) | 3.7978% | 2,883 |
| Efficiency ratio | 80.8661% | 809 |
| Assets per employee ($millions) | 3.4000% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 1,225 |
| Loan loss allowance to noncurrent loans | 57.5814% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.7655% | 436 |
| Noncurrent loans to loans | 2.6962% | 374 |
| Net loans and leases to total assets | 64.1370% | 2,753 |
| Net loans and leases to deposits | 73.5956% | 2,994 |
| Net loans and leases to core deposits | 77.0514% | 3,091 |
| Total domestic deposits to total assets | 87.1478% | 1,606 |
| Equity capital to assets | 12.4217% | 1,458 |
| Core capital (leverage) ratio | 11.8269% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9787% | 916 |
| Memoranda: | ||
| Average total assets | $120,048,000 | 3,735 |
| Average earning assets | $110,424,750 | 3,747 |
| Average equity | $14,753,500 | 3,683 |
| Average total loans | $80,431,250 | 3,568 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 1,420 |
| Cost of funding earning assets | 0.6144% | 2,895 |
| Net interest margin | 4.0804% | 1,157 |
| Noninterest income to average assets | 0.3035% | 3,646 |
| Noninterest expense to average assets | 3.2818% | 1,022 |
| Loan and lease loss provision to assets | 0.1761% | 2,257 |
| Net operating income to assets | 0.5987% | 3,743 |
| Return on assets (ROA) | 0.5987% | 3,818 |
| Pretax return on assets | 0.5987% | 4,067 |
| Return on Equity (ROE) | 4.8893% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.8893% | 2,525 |
| Net charge-offs to loans | 0.0074% | 2,686 |
| Credit loss provision to net charge-offs | 3,500.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 525 |
| Efficiency ratio | 80.9012% | 822 |
| Assets per employee ($millions) | 3.6027% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 774 |
| Loan loss allowance to noncurrent loans | 60.4039% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.8153% | 430 |
| Noncurrent loans to loans | 2.8611% | 363 |
| Net loans and leases to total assets | 62.0513% | 3,121 |
| Net loans and leases to deposits | 70.7684% | 3,363 |
| Net loans and leases to core deposits | 74.3041% | 3,437 |
| Total domestic deposits to total assets | 87.6822% | 1,336 |
| Equity capital to assets | 11.9498% | 1,696 |
| Core capital (leverage) ratio | 11.8574% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0678% | 894 |
| Memoranda: | ||
| Average total assets | $119,264,333 | 3,732 |
| Average earning assets | $109,694,000 | 3,747 |
| Average equity | $14,603,333 | 3,696 |
| Average total loans | $80,661,333 | 3,563 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 1,787 |
| Cost of funding earning assets | 0.6746% | 3,036 |
| Net interest margin | 4.0024% | 1,391 |
| Noninterest income to average assets | 0.3522% | 3,413 |
| Noninterest expense to average assets | 3.2387% | 1,342 |
| Loan and lease loss provision to assets | 0.1830% | 1,636 |
| Net operating income to assets | 0.5973% | 3,602 |
| Return on assets (ROA) | 0.5973% | 3,660 |
| Pretax return on assets | 0.5973% | 3,924 |
| Return on Equity (ROE) | 4.8153% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.8153% | 2,359 |
| Net charge-offs to loans | 0.0197% | 1,970 |
| Credit loss provision to net charge-offs | 1,325.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 831 |
| Efficiency ratio | 80.5842% | 1,082 |
| Assets per employee ($millions) | 3.3349% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 1,031 |
| Loan loss allowance to noncurrent loans | 57.5217% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.9816% | 424 |
| Noncurrent loans to loans | 2.8087% | 400 |
| Net loans and leases to total assets | 69.0238% | 2,393 |
| Net loans and leases to deposits | 79.0622% | 2,771 |
| Net loans and leases to core deposits | 85.2226% | 2,739 |
| Total domestic deposits to total assets | 87.3032% | 1,419 |
| Equity capital to assets | 12.3310% | 1,842 |
| Core capital (leverage) ratio | 12.2442% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5850% | 1,054 |
| Memoranda: | ||
| Average total assets | $115,849,500 | 3,764 |
| Average earning assets | $106,137,000 | 3,786 |
| Average equity | $14,371,000 | 3,729 |
| Average total loans | $81,182,500 | 3,561 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 2,246 |
| Cost of funding earning assets | 0.7114% | 3,110 |
| Net interest margin | 4.0184% | 1,795 |
| Noninterest income to average assets | 0.3762% | 3,446 |
| Noninterest expense to average assets | 3.2074% | 1,504 |
| Loan and lease loss provision to assets | 0.1486% | 1,439 |
| Net operating income to assets | 0.7040% | 3,860 |
| Return on assets (ROA) | 0.7108% | 3,898 |
| Pretax return on assets | 0.7108% | 4,187 |
| Return on Equity (ROE) | 5.9985% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.2068% | 2,853 |
| Net charge-offs to loans | 0.5083% | 368 |
| Credit loss provision to net charge-offs | 40.9836% | 3,196 |
| Earnings coverage of net charge-offs (x) | 2.3513% | 3,424 |
| Efficiency ratio | 79.0002% | 1,035 |
| Assets per employee ($millions) | 3.1938% | 4,706 |
| Cash dividends to net income (ytd only)* | 29.8686% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 1,014 |
| Loan loss allowance to noncurrent loans | 55.7793% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.4153% | 276 |
| Noncurrent loans to loans | 2.8381% | 346 |
| Net loans and leases to total assets | 68.8851% | 2,558 |
| Net loans and leases to deposits | 79.0218% | 2,904 |
| Net loans and leases to core deposits | 85.2790% | 2,848 |
| Total domestic deposits to total assets | 87.1722% | 1,531 |
| Equity capital to assets | 12.4799% | 1,825 |
| Core capital (leverage) ratio | 12.0516% | 1,742 |
| Tier 1 risk-based capital ratio | 17.3365% | 1,946 |
| Total risk-based capital ratio | 18.5902% | 1,897 |
| Memoranda: | ||
| Average total assets | $117,759,800 | 3,736 |
| Average earning assets | $107,952,600 | 3,749 |
| Average equity | $13,953,600 | 3,758 |
| Average total loans | $84,007,400 | 3,525 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 2,311 |
| Cost of funding earning assets | 0.7121% | 3,149 |
| Net interest margin | 4.0232% | 1,857 |
| Noninterest income to average assets | 0.3714% | 3,491 |
| Noninterest expense to average assets | 3.2383% | 1,392 |
| Loan and lease loss provision to assets | 0.1970% | 895 |
| Net operating income to assets | 0.6247% | 4,229 |
| Return on assets (ROA) | 0.6337% | 4,252 |
| Pretax return on assets | 0.6337% | 4,484 |
| Return on Equity (ROE) | 5.4180% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.1669% | 3,324 |
| Net charge-offs to loans | 0.4351% | 385 |
| Credit loss provision to net charge-offs | 63.1769% | 2,682 |
| Earnings coverage of net charge-offs (x) | 2.6354% | 3,179 |
| Efficiency ratio | 79.7616% | 941 |
| Assets per employee ($millions) | 3.2835% | 4,681 |
| Cash dividends to net income (ytd only)* | 23.0907% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 799 |
| Loan loss allowance to noncurrent loans | 48.1895% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 266 |
| Noncurrent loans to loans | 3.5534% | 222 |
| Net loans and leases to total assets | 69.1471% | 2,602 |
| Net loans and leases to deposits | 79.0017% | 3,010 |
| Net loans and leases to core deposits | 84.6050% | 3,036 |
| Total domestic deposits to total assets | 87.5260% | 1,243 |
| Equity capital to assets | 12.0485% | 2,221 |
| Core capital (leverage) ratio | 11.7960% | 1,997 |
| Tier 1 risk-based capital ratio | 16.8741% | 2,126 |
| Total risk-based capital ratio | 18.1294% | 2,065 |
| Memoranda: | ||
| Average total assets | $118,455,500 | 3,768 |
| Average earning assets | $108,600,750 | 3,777 |
| Average equity | $13,854,750 | 3,806 |
| Average total loans | $84,890,250 | 3,548 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 2,240 |
| Cost of funding earning assets | 0.6977% | 3,182 |
| Net interest margin | 4.0479% | 1,770 |
| Noninterest income to average assets | 0.3611% | 3,516 |
| Noninterest expense to average assets | 3.1129% | 1,693 |
| Loan and lease loss provision to assets | 0.2531% | 602 |
| Net operating income to assets | 0.7053% | 3,990 |
| Return on assets (ROA) | 0.7053% | 4,042 |
| Pretax return on assets | 0.7053% | 4,319 |
| Return on Equity (ROE) | 6.0908% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.0908% | 2,242 |
| Net charge-offs to loans | 0.4867% | 324 |
| Credit loss provision to net charge-offs | 72.1154% | 2,303 |
| Earnings coverage of net charge-offs (x) | 2.7308% | 2,910 |
| Efficiency ratio | 76.4608% | 1,339 |
| Assets per employee ($millions) | 3.2808% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 734 |
| Loan loss allowance to noncurrent loans | 47.3718% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.6831% | 257 |
| Noncurrent loans to loans | 3.7201% | 209 |
| Net loans and leases to total assets | 69.3343% | 2,624 |
| Net loans and leases to deposits | 79.0726% | 3,052 |
| Net loans and leases to core deposits | 84.2360% | 3,086 |
| Total domestic deposits to total assets | 87.6843% | 1,252 |
| Equity capital to assets | 11.9508% | 2,223 |
| Core capital (leverage) ratio | 11.7045% | 2,018 |
| Tier 1 risk-based capital ratio | 16.4481% | 2,257 |
| Total risk-based capital ratio | 17.7035% | 2,201 |
| Memoranda: | ||
| Average total assets | $118,538,670 | 3,787 |
| Average earning assets | $108,650,000 | 3,795 |
| Average equity | $13,725,670 | 3,826 |
| Average total loans | $85,467,000 | 3,560 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 2,455 |
| Cost of funding earning assets | 0.6626% | 3,248 |
| Net interest margin | 3.9610% | 1,981 |
| Noninterest income to average assets | 0.3133% | 3,764 |
| Noninterest expense to average assets | 2.9776% | 2,056 |
| Loan and lease loss provision to assets | 0.2526% | 573 |
| Net operating income to assets | 0.7276% | 3,852 |
| Return on assets (ROA) | 0.7276% | 3,899 |
| Pretax return on assets | 0.7276% | 4,234 |
| Return on Equity (ROE) | 6.3853% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.3853% | 2,283 |
| Net charge-offs to loans | 0.5363% | 277 |
| Credit loss provision to net charge-offs | 64.6552% | 1,888 |
| Earnings coverage of net charge-offs (x) | 2.5086% | 2,488 |
| Efficiency ratio | 75.2340% | 1,585 |
| Assets per employee ($millions) | 3.2806% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 787 |
| Loan loss allowance to noncurrent loans | 41.9610% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.9156% | 216 |
| Noncurrent loans to loans | 4.1552% | 172 |
| Net loans and leases to total assets | 68.9435% | 2,631 |
| Net loans and leases to deposits | 78.0425% | 3,053 |
| Net loans and leases to core deposits | 81.8747% | 3,197 |
| Total domestic deposits to total assets | 88.3409% | 1,160 |
| Equity capital to assets | 11.3221% | 2,544 |
| Core capital (leverage) ratio | 11.4956% | 2,136 |
| Tier 1 risk-based capital ratio | 15.8430% | 2,511 |
| Total risk-based capital ratio | 17.0985% | 2,443 |
| Memoranda: | ||
| Average total assets | $118,753,500 | 3,825 |
| Average earning assets | $109,264,000 | 3,826 |
| Average equity | $13,531,000 | 3,866 |
| Average total loans | $86,521,000 | 3,569 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 2,171 |
| Cost of funding earning assets | 0.6000% | 2,718 |
| Net interest margin | 3.9853% | 2,039 |
| Noninterest income to average assets | 0.3428% | 3,823 |
| Noninterest expense to average assets | 2.7100% | 2,990 |
| Loan and lease loss provision to assets | 0.6416% | 171 |
| Net operating income to assets | 0.6475% | 4,293 |
| Return on assets (ROA) | 0.6475% | 4,298 |
| Pretax return on assets | 0.6475% | 4,537 |
| Return on Equity (ROE) | 5.9228% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.9961% | 2,769 |
| Net charge-offs to loans | 0.6463% | 262 |
| Credit loss provision to net charge-offs | 131.4879% | 2,012 |
| Earnings coverage of net charge-offs (x) | 2.6419% | 3,503 |
| Efficiency ratio | 67.7644% | 2,586 |
| Assets per employee ($millions) | 3.1385% | 4,896 |
| Cash dividends to net income (ytd only)* | 15.6454% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 778 |
| Loan loss allowance to noncurrent loans | 29.9745% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 4.6166% | 77 |
| Noncurrent loans to loans | 5.7937% | 81 |
| Net loans and leases to total assets | 74.3561% | 1,876 |
| Net loans and leases to deposits | 84.2729% | 2,486 |
| Net loans and leases to core deposits | 88.0237% | 2,753 |
| Total domestic deposits to total assets | 88.2325% | 1,194 |
| Equity capital to assets | 11.4695% | 2,274 |
| Core capital (leverage) ratio | 11.5103% | 2,096 |
| Tier 1 risk-based capital ratio | 15.1592% | 2,753 |
| Total risk-based capital ratio | 16.4141% | 2,686 |
| Memoranda: | ||
| Average total assets | $118,448,800 | 3,813 |
| Average earning assets | $108,673,200 | 3,830 |
| Average equity | $12,950,000 | 3,891 |
| Average total loans | $89,435,200 | 3,488 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 2,261 |
| Cost of funding earning assets | 0.5834% | 2,600 |
| Net interest margin | 3.9284% | 2,207 |
| Noninterest income to average assets | 0.3349% | 3,919 |
| Noninterest expense to average assets | 2.9202% | 2,251 |
| Loan and lease loss provision to assets | 0.7673% | 122 |
| Net operating income to assets | 0.2453% | 5,160 |
| Return on assets (ROA) | 0.2453% | 5,152 |
| Pretax return on assets | 0.2453% | 5,178 |
| Return on Equity (ROE) | 2.2709% | 5,099 |
| Retained earnings to average equity (ytd only) | 2.2709% | 4,477 |
| Net charge-offs to loans | 0.8698% | 164 |
| Credit loss provision to net charge-offs | 116.8942% | 2,025 |
| Earnings coverage of net charge-offs (x) | 1.5427% | 3,340 |
| Efficiency ratio | 74.2523% | 1,554 |
| Assets per employee ($millions) | 3.5076% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 915 |
| Loan loss allowance to noncurrent loans | 28.0497% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 5.7181% | 60 |
| Noncurrent loans to loans | 5.9744% | 82 |
| Net loans and leases to total assets | 69.0112% | 2,797 |
| Net loans and leases to deposits | 77.3020% | 3,297 |
| Net loans and leases to core deposits | 80.1315% | 3,483 |
| Total domestic deposits to total assets | 89.2748% | 737 |
| Equity capital to assets | 10.3652% | 3,268 |
| Core capital (leverage) ratio | 11.0881% | 2,496 |
| Tier 1 risk-based capital ratio | 14.6791% | 3,027 |
| Total risk-based capital ratio | 15.9325% | 2,953 |
| Memoranda: | ||
| Average total assets | $119,029,750 | 3,843 |
| Average earning assets | $109,014,500 | 3,860 |
| Average equity | $12,857,750 | 3,934 |
| Average total loans | $89,826,000 | 3,515 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 2,041 |
| Cost of funding earning assets | 0.5661% | 2,467 |
| Net interest margin | 3.9496% | 2,031 |
| Noninterest income to average assets | 0.3447% | 3,869 |
| Noninterest expense to average assets | 3.0989% | 1,787 |
| Loan and lease loss provision to assets | 0.2547% | 604 |
| Net operating income to assets | 0.6283% | 4,412 |
| Return on assets (ROA) | 0.6283% | 4,417 |
| Pretax return on assets | 0.6283% | 4,686 |
| Return on Equity (ROE) | 5.7355% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.7355% | 2,705 |
| Net charge-offs to loans | 0.2636% | 611 |
| Credit loss provision to net charge-offs | 125.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 2,799 |
| Efficiency ratio | 77.8252% | 1,214 |
| Assets per employee ($millions) | 3.3632% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 1,368 |
| Loan loss allowance to noncurrent loans | 19.2896% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 6.3172% | 51 |
| Noncurrent loans to loans | 7.8271% | 46 |
| Net loans and leases to total assets | 76.1441% | 1,613 |
| Net loans and leases to deposits | 85.9167% | 2,323 |
| Net loans and leases to core deposits | 90.1148% | 2,560 |
| Total domestic deposits to total assets | 88.6255% | 1,084 |
| Equity capital to assets | 11.0525% | 2,586 |
| Core capital (leverage) ratio | 11.2930% | 2,259 |
| Tier 1 risk-based capital ratio | 14.1876% | 3,274 |
| Total risk-based capital ratio | 15.4395% | 3,184 |
| Memoranda: | ||
| Average total assets | $117,784,000 | 3,894 |
| Average earning assets | $108,467,000 | 3,901 |
| Average equity | $12,902,000 | 3,943 |
| Average total loans | $91,045,670 | 3,493 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 2,077 |
| Cost of funding earning assets | 0.5428% | 2,458 |
| Net interest margin | 3.8913% | 2,077 |
| Noninterest income to average assets | 0.3157% | 4,043 |
| Noninterest expense to average assets | 3.0385% | 1,973 |
| Loan and lease loss provision to assets | 0.2546% | 575 |
| Net operating income to assets | 0.6247% | 4,360 |
| Return on assets (ROA) | 0.6247% | 4,370 |
| Pretax return on assets | 0.6247% | 4,631 |
| Return on Equity (ROE) | 5.7285% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.7285% | 2,841 |
| Net charge-offs to loans | 0.1581% | 893 |
| Credit loss provision to net charge-offs | 208.3333% | 1,022 |
| Earnings coverage of net charge-offs (x) | 7.1944% | 2,109 |
| Efficiency ratio | 77.5563% | 1,400 |
| Assets per employee ($millions) | 3.2676% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,362 |
| Loan loss allowance to noncurrent loans | 18.3847% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 6.4608% | 55 |
| Noncurrent loans to loans | 8.3032% | 45 |
| Net loans and leases to total assets | 75.8971% | 1,555 |
| Net loans and leases to deposits | 85.5000% | 2,229 |
| Net loans and leases to core deposits | 91.0667% | 2,369 |
| Total domestic deposits to total assets | 88.7685% | 1,222 |
| Equity capital to assets | 10.9289% | 2,651 |
| Core capital (leverage) ratio | 11.0480% | 2,387 |
| Tier 1 risk-based capital ratio | 14.0761% | 3,339 |
| Total risk-based capital ratio | 15.3283% | 3,255 |
| Memoranda: | ||
| Average total assets | $117,820,500 | 3,936 |
| Average earning assets | $109,063,500 | 3,930 |
| Average equity | $12,848,000 | 3,986 |
| Average total loans | $91,066,500 | 3,522 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 1,773 |
| Cost of funding earning assets | 0.4477% | 2,798 |
| Net interest margin | 4.0346% | 1,643 |
| Noninterest income to average assets | 0.3516% | 3,954 |
| Noninterest expense to average assets | 3.0723% | 1,948 |
| Loan and lease loss provision to assets | 0.9844% | 100 |
| Net operating income to assets | 0.0298% | 5,331 |
| Return on assets (ROA) | 0.0438% | 5,317 |
| Pretax return on assets | 0.0438% | 5,410 |
| Return on Equity (ROE) | 0.4104% | 5,321 |
| Retained earnings to average equity (ytd only) | 0.4104% | 4,868 |
| Net charge-offs to loans | 1.3429% | 123 |
| Credit loss provision to net charge-offs | 95.3526% | 2,699 |
| Earnings coverage of net charge-offs (x) | 0.9824% | 3,941 |
| Efficiency ratio | 75.1822% | 1,737 |
| Assets per employee ($millions) | 3.2780% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 1,513 |
| Loan loss allowance to noncurrent loans | 17.6193% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 6.5250% | 53 |
| Noncurrent loans to loans | 8.3394% | 43 |
| Net loans and leases to total assets | 76.3719% | 1,529 |
| Net loans and leases to deposits | 85.9578% | 2,267 |
| Net loans and leases to core deposits | 91.3185% | 2,427 |
| Total domestic deposits to total assets | 88.8482% | 1,066 |
| Equity capital to assets | 10.8806% | 2,752 |
| Core capital (leverage) ratio | 10.7455% | 2,598 |
| Tier 1 risk-based capital ratio | 13.6479% | 3,547 |
| Total risk-based capital ratio | 14.8993% | 3,458 |
| Memoranda: | ||
| Average total assets | $120,886,200 | 3,882 |
| Average earning assets | $111,906,800 | 3,883 |
| Average equity | $12,915,000 | 3,996 |
| Average total loans | $92,930,600 | 3,472 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 1,735 |
| Cost of funding earning assets | 0.4271% | 2,909 |
| Net interest margin | 4.0394% | 1,572 |
| Noninterest income to average assets | 0.3684% | 3,894 |
| Noninterest expense to average assets | 3.0239% | 2,046 |
| Loan and lease loss provision to assets | 1.0032% | 104 |
| Net operating income to assets | 0.0844% | 5,456 |
| Return on assets (ROA) | 0.1031% | 5,456 |
| Pretax return on assets | 0.1031% | 5,461 |
| Return on Equity (ROE) | 0.9690% | 5,435 |
| Retained earnings to average equity (ytd only) | 0.9690% | 4,980 |
| Net charge-offs to loans | 0.7260% | 256 |
| Credit loss provision to net charge-offs | 180.1181% | 1,473 |
| Earnings coverage of net charge-offs (x) | 1.9527% | 3,527 |
| Efficiency ratio | 73.5467% | 1,966 |
| Assets per employee ($millions) | 3.3263% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 706 |
| Loan loss allowance to noncurrent loans | 23.4966% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 6.4378% | 60 |
| Noncurrent loans to loans | 8.0773% | 45 |
| Net loans and leases to total assets | 78.0884% | 1,256 |
| Net loans and leases to deposits | 88.1019% | 2,047 |
| Net loans and leases to core deposits | 93.2450% | 2,326 |
| Total domestic deposits to total assets | 88.6342% | 1,056 |
| Equity capital to assets | 10.9115% | 2,951 |
| Core capital (leverage) ratio | 10.7214% | 2,736 |
| Tier 1 risk-based capital ratio | 13.3196% | 3,809 |
| Total risk-based capital ratio | 14.5769% | 3,720 |
| Memoranda: | ||
| Average total assets | $121,605,750 | 3,907 |
| Average earning assets | $112,686,250 | 3,909 |
| Average equity | $12,933,750 | 4,033 |
| Average total loans | $93,296,000 | 3,494 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4117% | 1,773 |
| Cost of funding earning assets | 0.4149% | 2,932 |
| Net interest margin | 3.9968% | 1,617 |
| Noninterest income to average assets | 0.3633% | 3,959 |
| Noninterest expense to average assets | 3.0763% | 1,894 |
| Loan and lease loss provision to assets | 0.8836% | 112 |
| Net operating income to assets | 0.1080% | 5,484 |
| Return on assets (ROA) | 0.1080% | 5,488 |
| Pretax return on assets | 0.1080% | 5,502 |
| Return on Equity (ROE) | 1.0241% | 5,471 |
| Retained earnings to average equity (ytd only) | 1.0241% | 4,832 |
| Net charge-offs to loans | 0.8939% | 219 |
| Credit loss provision to net charge-offs | 130.4348% | 1,677 |
| Earnings coverage of net charge-offs (x) | 1.4638% | 3,277 |
| Efficiency ratio | 75.6235% | 1,787 |
| Assets per employee ($millions) | 3.3149% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 1,205 |
| Loan loss allowance to noncurrent loans | 20.6426% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 6.0390% | 74 |
| Noncurrent loans to loans | 7.8646% | 51 |
| Net loans and leases to total assets | 75.5408% | 1,604 |
| Net loans and leases to deposits | 84.9490% | 2,361 |
| Net loans and leases to core deposits | 89.4360% | 2,579 |
| Total domestic deposits to total assets | 88.9249% | 994 |
| Equity capital to assets | 10.6740% | 3,152 |
| Core capital (leverage) ratio | 10.7119% | 2,689 |
| Tier 1 risk-based capital ratio | 13.3655% | 3,767 |
| Total risk-based capital ratio | 14.6186% | 3,686 |
| Memoranda: | ||
| Average total assets | $122,226,000 | 3,926 |
| Average earning assets | $113,289,670 | 3,921 |
| Average equity | $12,889,670 | 4,051 |
| Average total loans | $92,622,670 | 3,521 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,687 |
| Cost of funding earning assets | 0.4132% | 2,872 |
| Net interest margin | 3.9734% | 1,543 |
| Noninterest income to average assets | 0.3377% | 4,145 |
| Noninterest expense to average assets | 3.0489% | 2,017 |
| Loan and lease loss provision to assets | 0.8688% | 107 |
| Net operating income to assets | 0.1082% | 5,502 |
| Return on assets (ROA) | 0.1082% | 5,507 |
| Pretax return on assets | 0.1082% | 5,505 |
| Return on Equity (ROE) | 1.0322% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.0322% | 4,648 |
| Net charge-offs to loans | -0.2439% | 5,651 |
| Credit loss provision to net charge-offs | -473.2143% | 4,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7329% | 1,950 |
| Assets per employee ($millions) | 3.2910% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 823 |
| Loan loss allowance to noncurrent loans | 21.9967% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 6.5265% | 67 |
| Noncurrent loans to loans | 8.5256% | 49 |
| Net loans and leases to total assets | 74.0379% | 1,731 |
| Net loans and leases to deposits | 83.1102% | 2,383 |
| Net loans and leases to core deposits | 86.7648% | 2,662 |
| Total domestic deposits to total assets | 89.0840% | 1,106 |
| Equity capital to assets | 10.5719% | 3,102 |
| Core capital (leverage) ratio | 10.5695% | 2,822 |
| Tier 1 risk-based capital ratio | 13.5120% | 3,775 |
| Total risk-based capital ratio | 14.7684% | 3,681 |
| Memoranda: | ||
| Average total assets | $122,012,500 | 3,965 |
| Average earning assets | $113,254,500 | 3,960 |
| Average equity | $12,788,500 | 4,089 |
| Average total loans | $91,843,000 | 3,559 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 2,163 |
| Cost of funding earning assets | 0.4140% | 2,875 |
| Net interest margin | 3.8802% | 2,030 |
| Noninterest income to average assets | 0.5349% | 3,001 |
| Noninterest expense to average assets | 2.8831% | 2,731 |
| Loan and lease loss provision to assets | 1.2457% | 81 |
| Net operating income to assets | 0.0109% | 5,633 |
| Return on assets (ROA) | 0.0965% | 5,596 |
| Pretax return on assets | 0.0965% | 5,595 |
| Return on Equity (ROE) | 0.9186% | 5,579 |
| Retained earnings to average equity (ytd only) | 0.0296% | 5,294 |
| Net charge-offs to loans | 1.4252% | 103 |
| Credit loss provision to net charge-offs | 116.6181% | 2,264 |
| Earnings coverage of net charge-offs (x) | 1.1764% | 4,031 |
| Efficiency ratio | 69.6445% | 2,972 |
| Assets per employee ($millions) | 3.3043% | 5,037 |
| Cash dividends to net income (ytd only)* | 96.7742% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 1,574 |
| Loan loss allowance to noncurrent loans | 15.8633% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 7.3222% | 59 |
| Noncurrent loans to loans | 9.6264% | 31 |
| Net loans and leases to total assets | 73.9479% | 1,858 |
| Net loans and leases to deposits | 82.7965% | 2,574 |
| Net loans and leases to core deposits | 86.6865% | 2,791 |
| Total domestic deposits to total assets | 89.3129% | 948 |
| Equity capital to assets | 10.3911% | 3,287 |
| Core capital (leverage) ratio | 10.2394% | 3,184 |
| Tier 1 risk-based capital ratio | 13.3011% | 3,893 |
| Total risk-based capital ratio | 14.5535% | 3,806 |
| Memoranda: | ||
| Average total assets | $128,438,800 | 3,857 |
| Average earning assets | $119,323,200 | 3,840 |
| Average equity | $13,498,400 | 4,025 |
| Average total loans | $96,264,800 | 3,457 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,272 |
| Cost of funding earning assets | 0.4106% | 2,922 |
| Net interest margin | 3.8558% | 2,138 |
| Noninterest income to average assets | 0.5836% | 2,741 |
| Noninterest expense to average assets | 2.8239% | 2,922 |
| Loan and lease loss provision to assets | 0.2308% | 866 |
| Net operating income to assets | 1.1119% | 1,941 |
| Return on assets (ROA) | 1.2247% | 1,641 |
| Pretax return on assets | 1.2247% | 2,731 |
| Return on Equity (ROE) | 11.6227% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.6227% | 343 |
| Net charge-offs to loans | 0.0644% | 2,426 |
| Credit loss provision to net charge-offs | 478.7234% | 735 |
| Earnings coverage of net charge-offs (x) | 27.8489% | 1,552 |
| Efficiency ratio | 67.7745% | 3,267 |
| Assets per employee ($millions) | 3.4557% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 2,238 |
| Loan loss allowance to noncurrent loans | 13.1339% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 8.1441% | 56 |
| Noncurrent loans to loans | 10.5934% | 29 |
| Net loans and leases to total assets | 74.9429% | 1,712 |
| Net loans and leases to deposits | 84.8238% | 2,389 |
| Net loans and leases to core deposits | 88.8730% | 2,674 |
| Total domestic deposits to total assets | 88.3513% | 1,213 |
| Equity capital to assets | 11.2240% | 2,772 |
| Core capital (leverage) ratio | 10.8579% | 2,617 |
| Tier 1 risk-based capital ratio | 13.6520% | 3,767 |
| Total risk-based capital ratio | 14.9025% | 3,680 |
| Memoranda: | ||
| Average total assets | $129,983,750 | 3,852 |
| Average earning assets | $120,784,000 | 3,835 |
| Average equity | $13,697,000 | 4,022 |
| Average total loans | $97,378,500 | 3,442 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,223 |
| Cost of funding earning assets | 0.4085% | 2,952 |
| Net interest margin | 3.8692% | 2,084 |
| Noninterest income to average assets | 0.6856% | 2,208 |
| Noninterest expense to average assets | 2.8418% | 2,869 |
| Loan and lease loss provision to assets | 0.2295% | 881 |
| Net operating income to assets | 1.2090% | 1,566 |
| Return on assets (ROA) | 1.2365% | 1,575 |
| Pretax return on assets | 1.2365% | 2,647 |
| Return on Equity (ROE) | 11.9890% | 1,330 |
| Retained earnings to average equity (ytd only) | 11.9890% | 327 |
| Net charge-offs to loans | 0.0985% | 1,856 |
| Credit loss provision to net charge-offs | 312.5000% | 934 |
| Earnings coverage of net charge-offs (x) | 19.5833% | 1,766 |
| Efficiency ratio | 66.3926% | 3,613 |
| Assets per employee ($millions) | 3.4467% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,783 |
| Loan loss allowance to noncurrent loans | 12.0321% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 8.4091% | 63 |
| Noncurrent loans to loans | 10.8073% | 30 |
| Net loans and leases to total assets | 75.9451% | 1,497 |
| Net loans and leases to deposits | 85.7522% | 2,277 |
| Net loans and leases to core deposits | 90.0748% | 2,528 |
| Total domestic deposits to total assets | 88.5634% | 1,135 |
| Equity capital to assets | 11.0947% | 2,952 |
| Core capital (leverage) ratio | 10.5699% | 2,884 |
| Tier 1 risk-based capital ratio | 13.0360% | 4,180 |
| Total risk-based capital ratio | 14.2485% | 4,114 |
| Memoranda: | ||
| Average total assets | $130,691,670 | 3,864 |
| Average earning assets | $121,419,000 | 3,854 |
| Average equity | $13,479,000 | 4,079 |
| Average total loans | $97,446,670 | 3,452 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 2,301 |
| Cost of funding earning assets | 0.4005% | 3,056 |
| Net interest margin | 3.8492% | 2,109 |
| Noninterest income to average assets | 0.3508% | 4,218 |
| Noninterest expense to average assets | 2.7186% | 3,353 |
| Loan and lease loss provision to assets | 0.2268% | 819 |
| Net operating income to assets | 0.9798% | 2,370 |
| Return on assets (ROA) | 1.0312% | 2,276 |
| Pretax return on assets | 1.0312% | 3,355 |
| Return on Equity (ROE) | 10.3774% | 1,830 |
| Retained earnings to average equity (ytd only) | 10.3774% | 769 |
| Net charge-offs to loans | 0.1318% | 1,313 |
| Credit loss provision to net charge-offs | 234.3750% | 980 |
| Earnings coverage of net charge-offs (x) | 12.4688% | 1,791 |
| Efficiency ratio | 69.2604% | 3,254 |
| Assets per employee ($millions) | 3.3860% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 3,204 |
| Loan loss allowance to noncurrent loans | 13.2254% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 7.2458% | 84 |
| Noncurrent loans to loans | 9.4386% | 46 |
| Net loans and leases to total assets | 74.8251% | 1,592 |
| Net loans and leases to deposits | 83.7773% | 2,332 |
| Net loans and leases to core deposits | 88.3647% | 2,529 |
| Total domestic deposits to total assets | 89.3144% | 935 |
| Equity capital to assets | 10.4082% | 3,604 |
| Core capital (leverage) ratio | 10.0877% | 3,434 |
| Tier 1 risk-based capital ratio | 12.6327% | 4,502 |
| Total risk-based capital ratio | 13.7929% | 4,463 |
| Memoranda: | ||
| Average total assets | $132,273,000 | 3,877 |
| Average earning assets | $122,832,000 | 3,852 |
| Average equity | $13,144,000 | 4,145 |
| Average total loans | $97,106,000 | 3,469 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 1,377 |
| Cost of funding earning assets | 0.4099% | 3,049 |
| Net interest margin | 4.1751% | 1,219 |
| Noninterest income to average assets | 0.3984% | 4,047 |
| Noninterest expense to average assets | 3.0059% | 2,525 |
| Loan and lease loss provision to assets | 1.0733% | 76 |
| Net operating income to assets | 0.2125% | 5,547 |
| Return on assets (ROA) | 0.2345% | 5,577 |
| Pretax return on assets | 0.2345% | 5,641 |
| Return on Equity (ROE) | 2.6329% | 5,413 |
| Retained earnings to average equity (ytd only) | -1.5104% | 5,712 |
| Net charge-offs to loans | 1.2527% | 139 |
| Credit loss provision to net charge-offs | 123.1029% | 2,106 |
| Earnings coverage of net charge-offs (x) | 1.4747% | 4,080 |
| Efficiency ratio | 70.0411% | 3,221 |
| Assets per employee ($millions) | 3.3141% | 5,130 |
| Cash dividends to net income (ytd only)* | 157.3668% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 3,395 |
| Loan loss allowance to noncurrent loans | 12.5535% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 6.9710% | 102 |
| Noncurrent loans to loans | 9.6692% | 47 |
| Net loans and leases to total assets | 70.3168% | 2,320 |
| Net loans and leases to deposits | 77.8764% | 3,064 |
| Net loans and leases to core deposits | 86.1138% | 2,787 |
| Total domestic deposits to total assets | 90.2928% | 502 |
| Equity capital to assets | 9.4909% | 4,561 |
| Core capital (leverage) ratio | 9.1925% | 4,627 |
| Tier 1 risk-based capital ratio | 11.8227% | 5,054 |
| Total risk-based capital ratio | 12.8978% | 5,078 |
| Memoranda: | ||
| Average total assets | $136,030,400 | 3,787 |
| Average earning assets | $126,848,200 | 3,762 |
| Average equity | $12,115,800 | 4,285 |
| Average total loans | $94,673,400 | 3,486 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 1,154 |
| Cost of funding earning assets | 0.4066% | 3,157 |
| Net interest margin | 4.2651% | 1,030 |
| Noninterest income to average assets | 0.4135% | 3,981 |
| Noninterest expense to average assets | 3.0004% | 2,524 |
| Loan and lease loss provision to assets | 0.2205% | 854 |
| Net operating income to assets | 1.1709% | 1,748 |
| Return on assets (ROA) | 1.1719% | 1,818 |
| Pretax return on assets | 1.1719% | 2,921 |
| Return on Equity (ROE) | 13.3769% | 1,035 |
| Retained earnings to average equity (ytd only) | 7.7622% | 1,350 |
| Net charge-offs to loans | 0.0439% | 3,017 |
| Credit loss provision to net charge-offs | 725.8065% | 481 |
| Earnings coverage of net charge-offs (x) | 45.8091% | 1,119 |
| Efficiency ratio | 68.3177% | 3,483 |
| Assets per employee ($millions) | 3.2607% | 5,193 |
| Cash dividends to net income (ytd only)* | 41.9734% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 4,160 |
| Loan loss allowance to noncurrent loans | 57.9756% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4364% | 1,589 |
| Noncurrent loans to loans | 1.9169% | 1,207 |
| Net loans and leases to total assets | 69.4273% | 2,473 |
| Net loans and leases to deposits | 76.4658% | 3,249 |
| Net loans and leases to core deposits | 84.7774% | 2,962 |
| Total domestic deposits to total assets | 90.7952% | 305 |
| Equity capital to assets | 8.7904% | 5,498 |
| Core capital (leverage) ratio | 8.7571% | 5,292 |
| Tier 1 risk-based capital ratio | 11.3647% | 5,452 |
| Total risk-based capital ratio | 12.3765% | 5,479 |
| Memoranda: | ||
| Average total assets | $136,068,500 | 3,826 |
| Average earning assets | $126,918,750 | 3,799 |
| Average equity | $11,920,750 | 4,370 |
| Average total loans | $94,162,000 | 3,527 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 1,120 |
| Cost of funding earning assets | 0.4050% | 3,223 |
| Net interest margin | 4.2745% | 973 |
| Noninterest income to average assets | 0.4380% | 3,790 |
| Noninterest expense to average assets | 2.9401% | 2,752 |
| Loan and lease loss provision to assets | 0.2227% | 849 |
| Net operating income to assets | 1.2562% | 1,442 |
| Return on assets (ROA) | 1.2577% | 1,488 |
| Pretax return on assets | 1.2577% | 2,516 |
| Return on Equity (ROE) | 14.3730% | 837 |
| Retained earnings to average equity (ytd only) | 8.5695% | 1,055 |
| Net charge-offs to loans | 0.0582% | 2,559 |
| Credit loss provision to net charge-offs | 555.5556% | 583 |
| Earnings coverage of net charge-offs (x) | 36.8889% | 1,188 |
| Efficiency ratio | 66.5323% | 3,911 |
| Assets per employee ($millions) | 3.1527% | 5,405 |
| Cash dividends to net income (ytd only)* | 40.3778% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,589 |
| Loan loss allowance to noncurrent loans | 51.4329% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5638% | 1,557 |
| Noncurrent loans to loans | 2.0487% | 1,182 |
| Net loans and leases to total assets | 70.8607% | 2,186 |
| Net loans and leases to deposits | 77.9201% | 3,041 |
| Net loans and leases to core deposits | 87.3967% | 2,619 |
| Total domestic deposits to total assets | 90.9402% | 310 |
| Equity capital to assets | 8.7293% | 5,501 |
| Core capital (leverage) ratio | 8.8212% | 5,201 |
| Tier 1 risk-based capital ratio | 11.6746% | 5,354 |
| Total risk-based capital ratio | 12.6618% | 5,448 |
| Memoranda: | ||
| Average total assets | $134,688,000 | 3,883 |
| Average earning assets | $125,440,670 | 3,855 |
| Average equity | $11,786,000 | 4,417 |
| Average total loans | $92,736,670 | 3,585 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 1,025 |
| Cost of funding earning assets | 0.4126% | 3,162 |
| Net interest margin | 4.2928% | 888 |
| Noninterest income to average assets | 0.4469% | 3,651 |
| Noninterest expense to average assets | 2.9617% | 2,700 |
| Loan and lease loss provision to assets | 0.2235% | 787 |
| Net operating income to assets | 1.2603% | 1,380 |
| Return on assets (ROA) | 1.2603% | 1,463 |
| Pretax return on assets | 1.2603% | 2,422 |
| Return on Equity (ROE) | 14.3853% | 807 |
| Retained earnings to average equity (ytd only) | 14.3853% | 330 |
| Net charge-offs to loans | 0.1193% | 1,555 |
| Credit loss provision to net charge-offs | 277.7778% | 857 |
| Earnings coverage of net charge-offs (x) | 18.4444% | 1,490 |
| Efficiency ratio | 66.6220% | 4,047 |
| Assets per employee ($millions) | 3.2073% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 4,997 |
| Loan loss allowance to noncurrent loans | 66.5730% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.1275% | 2,380 |
| Noncurrent loans to loans | 1.5071% | 1,877 |
| Net loans and leases to total assets | 67.8224% | 2,474 |
| Net loans and leases to deposits | 74.5281% | 3,235 |
| Net loans and leases to core deposits | 83.2240% | 2,843 |
| Total domestic deposits to total assets | 91.0025% | 363 |
| Equity capital to assets | 8.7858% | 5,515 |
| Core capital (leverage) ratio | 8.7686% | 5,241 |
| Tier 1 risk-based capital ratio | 11.8619% | 5,330 |
| Total risk-based capital ratio | 12.7978% | 5,442 |
| Memoranda: | ||
| Average total assets | $134,249,000 | 3,918 |
| Average earning assets | $125,048,000 | 3,892 |
| Average equity | $11,762,000 | 4,455 |
| Average total loans | $90,562,000 | 3,632 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 1,139 |
| Cost of funding earning assets | 0.4095% | 3,593 |
| Net interest margin | 4.3789% | 915 |
| Noninterest income to average assets | 0.4841% | 3,626 |
| Noninterest expense to average assets | 3.0531% | 2,676 |
| Loan and lease loss provision to assets | 0.1734% | 1,495 |
| Net operating income to assets | 1.3182% | 1,269 |
| Return on assets (ROA) | 1.3528% | 1,236 |
| Pretax return on assets | 1.3528% | 2,067 |
| Return on Equity (ROE) | 16.0189% | 620 |
| Retained earnings to average equity (ytd only) | 6.9209% | 1,443 |
| Net charge-offs to loans | 0.1025% | 3,037 |
| Credit loss provision to net charge-offs | 251.1628% | 1,014 |
| Earnings coverage of net charge-offs (x) | 21.6047% | 1,669 |
| Efficiency ratio | 67.1789% | 4,030 |
| Assets per employee ($millions) | 3.0368% | 5,648 |
| Cash dividends to net income (ytd only)* | 56.7953% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 4,863 |
| Loan loss allowance to noncurrent loans | 121.4575% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 3,572 |
| Noncurrent loans to loans | 0.8553% | 3,176 |
| Net loans and leases to total assets | 65.6584% | 2,955 |
| Net loans and leases to deposits | 72.0433% | 3,678 |
| Net loans and leases to core deposits | 79.4982% | 3,348 |
| Total domestic deposits to total assets | 91.1374% | 327 |
| Equity capital to assets | 8.7355% | 5,551 |
| Core capital (leverage) ratio | 8.8390% | 5,205 |
| Tier 1 risk-based capital ratio | 12.8578% | 4,820 |
| Total risk-based capital ratio | 13.8559% | 4,886 |
| Memoranda: | ||
| Average total assets | $124,561,000 | 4,089 |
| Average earning assets | $115,508,400 | 4,059 |
| Average equity | $10,518,800 | 4,649 |
| Average total loans | $83,931,600 | 3,769 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 1,151 |
| Cost of funding earning assets | 0.4042% | 3,746 |
| Net interest margin | 4.3698% | 927 |
| Noninterest income to average assets | 0.4583% | 3,840 |
| Noninterest expense to average assets | 3.0630% | 2,587 |
| Loan and lease loss provision to assets | 0.1853% | 1,321 |
| Net operating income to assets | 1.2634% | 1,484 |
| Return on assets (ROA) | 1.3056% | 1,412 |
| Pretax return on assets | 1.3056% | 2,351 |
| Return on Equity (ROE) | 15.6033% | 729 |
| Retained earnings to average equity (ytd only) | 5.7493% | 2,572 |
| Net charge-offs to loans | 0.1393% | 2,401 |
| Credit loss provision to net charge-offs | 196.5517% | 1,287 |
| Earnings coverage of net charge-offs (x) | 15.3674% | 2,057 |
| Efficiency ratio | 67.8915% | 3,876 |
| Assets per employee ($millions) | 2.9607% | 5,774 |
| Cash dividends to net income (ytd only)* | 63.1533% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 5,408 |
| Loan loss allowance to noncurrent loans | 167.7800% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 4,374 |
| Noncurrent loans to loans | 0.5690% | 4,215 |
| Net loans and leases to total assets | 69.5902% | 2,258 |
| Net loans and leases to deposits | 76.3555% | 3,141 |
| Net loans and leases to core deposits | 85.7566% | 2,690 |
| Total domestic deposits to total assets | 91.1398% | 325 |
| Equity capital to assets | 8.5326% | 5,774 |
| Core capital (leverage) ratio | 8.8499% | 5,263 |
| Tier 1 risk-based capital ratio | 12.3164% | 5,284 |
| Total risk-based capital ratio | 13.2464% | 5,407 |
| Memoranda: | ||
| Average total assets | $123,055,750 | 4,158 |
| Average earning assets | $114,145,500 | 4,123 |
| Average equity | $10,296,750 | 4,731 |
| Average total loans | $83,255,000 | 3,813 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 1,163 |
| Cost of funding earning assets | 0.3945% | 3,921 |
| Net interest margin | 4.3624% | 917 |
| Noninterest income to average assets | 0.4423% | 3,923 |
| Noninterest expense to average assets | 3.0501% | 2,661 |
| Loan and lease loss provision to assets | 0.2072% | 1,149 |
| Net operating income to assets | 1.2217% | 1,524 |
| Return on assets (ROA) | 1.2858% | 1,404 |
| Pretax return on assets | 1.2858% | 2,314 |
| Return on Equity (ROE) | 15.4729% | 715 |
| Retained earnings to average equity (ytd only) | 6.0546% | 2,286 |
| Net charge-offs to loans | 0.1897% | 1,890 |
| Credit loss provision to net charge-offs | 163.6364% | 1,375 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 2,173 |
| Efficiency ratio | 68.0984% | 3,992 |
| Assets per employee ($millions) | 2.9423% | 5,833 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 5,491 |
| Loan loss allowance to noncurrent loans | 157.8035% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 4,395 |
| Noncurrent loans to loans | 0.6138% | 4,183 |
| Net loans and leases to total assets | 66.1898% | 2,723 |
| Net loans and leases to deposits | 72.4631% | 3,511 |
| Net loans and leases to core deposits | 81.4223% | 3,045 |
| Total domestic deposits to total assets | 91.3427% | 295 |
| Equity capital to assets | 8.4091% | 5,876 |
| Core capital (leverage) ratio | 9.0003% | 5,014 |
| Tier 1 risk-based capital ratio | 12.7944% | 5,038 |
| Total risk-based capital ratio | 13.7323% | 5,163 |
| Memoranda: | ||
| Average total assets | $121,637,330 | 4,204 |
| Average earning assets | $112,554,000 | 4,175 |
| Average equity | $10,108,000 | 4,780 |
| Average total loans | $81,190,000 | 3,874 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,326 |
| Cost of funding earning assets | 0.3876% | 4,114 |
| Net interest margin | 4.2820% | 1,035 |
| Noninterest income to average assets | 0.4396% | 3,874 |
| Noninterest expense to average assets | 3.1813% | 2,289 |
| Loan and lease loss provision to assets | 0.2718% | 763 |
| Net operating income to assets | 0.9900% | 2,246 |
| Return on assets (ROA) | 1.1175% | 1,805 |
| Pretax return on assets | 1.1175% | 2,822 |
| Return on Equity (ROE) | 13.5331% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.5331% | 431 |
| Net charge-offs to loans | 0.2717% | 1,260 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 6.9630% | 2,174 |
| Efficiency ratio | 71.6012% | 3,557 |
| Assets per employee ($millions) | 2.9548% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 5,664 |
| Loan loss allowance to noncurrent loans | 144.3841% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 4,469 |
| Noncurrent loans to loans | 0.6649% | 4,202 |
| Net loans and leases to total assets | 67.8682% | 2,242 |
| Net loans and leases to deposits | 74.2724% | 3,030 |
| Net loans and leases to core deposits | 83.1136% | 2,630 |
| Total domestic deposits to total assets | 91.3775% | 422 |
| Equity capital to assets | 8.4252% | 5,720 |
| Core capital (leverage) ratio | 9.3752% | 4,471 |
| Tier 1 risk-based capital ratio | 13.1896% | 4,903 |
| Total risk-based capital ratio | 14.1282% | 5,016 |
| Memoranda: | ||
| Average total assets | $119,197,000 | 4,297 |
| Average earning assets | $111,444,500 | 4,233 |
| Average equity | $9,842,500 | 4,859 |
| Average total loans | $79,504,500 | 3,949 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,184 |
| Cost of funding earning assets | 0.4333% | 4,281 |
| Net interest margin | 4.4227% | 872 |
| Noninterest income to average assets | 0.4439% | 4,128 |
| Noninterest expense to average assets | 3.0206% | 2,994 |
| Loan and lease loss provision to assets | 0.1753% | 2,105 |
| Net operating income to assets | 1.3504% | 1,134 |
| Return on assets (ROA) | 1.4427% | 973 |
| Pretax return on assets | 1.4427% | 1,643 |
| Return on Equity (ROE) | 16.9384% | 510 |
| Retained earnings to average equity (ytd only) | 8.1128% | 1,023 |
| Net charge-offs to loans | 0.1963% | 2,891 |
| Credit loss provision to net charge-offs | 137.5839% | 1,701 |
| Earnings coverage of net charge-offs (x) | 11.9732% | 2,183 |
| Efficiency ratio | 66.4409% | 4,483 |
| Assets per employee ($millions) | 2.9312% | 5,937 |
| Cash dividends to net income (ytd only)* | 52.1043% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 5,498 |
| Loan loss allowance to noncurrent loans | 118.0982% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 4,248 |
| Noncurrent loans to loans | 0.8580% | 3,834 |
| Net loans and leases to total assets | 64.1566% | 3,017 |
| Net loans and leases to deposits | 69.8963% | 3,794 |
| Net loans and leases to core deposits | 78.7078% | 3,275 |
| Total domestic deposits to total assets | 91.7882% | 336 |
| Equity capital to assets | 8.0839% | 5,954 |
| Core capital (leverage) ratio | 9.0454% | 4,935 |
| Tier 1 risk-based capital ratio | 13.7693% | 4,465 |
| Total risk-based capital ratio | 14.7449% | 4,600 |
| Memoranda: | ||
| Average total assets | $116,929,600 | 4,341 |
| Average earning assets | $108,463,600 | 4,299 |
| Average equity | $9,959,600 | 4,854 |
| Average total loans | $75,890,600 | 4,061 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 1,175 |
| Cost of funding earning assets | 0.4413% | 4,368 |
| Net interest margin | 4.4342% | 832 |
| Noninterest income to average assets | 0.4553% | 4,122 |
| Noninterest expense to average assets | 3.0009% | 2,990 |
| Loan and lease loss provision to assets | 0.1997% | 1,817 |
| Net operating income to assets | 1.3476% | 1,229 |
| Return on assets (ROA) | 1.4537% | 1,028 |
| Pretax return on assets | 1.4537% | 1,751 |
| Return on Equity (ROE) | 16.8514% | 555 |
| Retained earnings to average equity (ytd only) | 8.6770% | 1,167 |
| Net charge-offs to loans | 0.2214% | 2,484 |
| Credit loss provision to net charge-offs | 138.8889% | 1,683 |
| Earnings coverage of net charge-offs (x) | 10.7616% | 2,322 |
| Efficiency ratio | 65.9809% | 4,485 |
| Assets per employee ($millions) | 2.9151% | 5,986 |
| Cash dividends to net income (ytd only)* | 48.5088% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 5,676 |
| Loan loss allowance to noncurrent loans | 111.3869% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 4,403 |
| Noncurrent loans to loans | 0.9045% | 4,012 |
| Net loans and leases to total assets | 62.7254% | 3,215 |
| Net loans and leases to deposits | 68.5290% | 3,998 |
| Net loans and leases to core deposits | 78.1296% | 3,346 |
| Total domestic deposits to total assets | 91.5312% | 360 |
| Equity capital to assets | 8.1366% | 6,057 |
| Core capital (leverage) ratio | 8.8491% | 5,331 |
| Tier 1 risk-based capital ratio | 13.5207% | 4,742 |
| Total risk-based capital ratio | 14.4835% | 4,898 |
| Memoranda: | ||
| Average total assets | $116,850,500 | 4,383 |
| Average earning assets | $107,856,250 | 4,358 |
| Average equity | $10,080,000 | 4,878 |
| Average total loans | $75,865,500 | 4,092 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 1,160 |
| Cost of funding earning assets | 0.4477% | 4,453 |
| Net interest margin | 4.4269% | 809 |
| Noninterest income to average assets | 0.4450% | 4,201 |
| Noninterest expense to average assets | 2.9338% | 3,229 |
| Loan and lease loss provision to assets | 0.2501% | 1,488 |
| Net operating income to assets | 1.3539% | 1,182 |
| Return on assets (ROA) | 1.5143% | 943 |
| Pretax return on assets | 1.5143% | 1,575 |
| Return on Equity (ROE) | 17.2185% | 538 |
| Retained earnings to average equity (ytd only) | 8.7269% | 1,215 |
| Net charge-offs to loans | 0.0053% | 4,795 |
| Credit loss provision to net charge-offs | 7,250.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 103 |
| Efficiency ratio | 64.6522% | 4,765 |
| Assets per employee ($millions) | 2.8334% | 6,113 |
| Cash dividends to net income (ytd only)* | 49.3166% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 5,422 |
| Loan loss allowance to noncurrent loans | 89.9265% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 3,760 |
| Noncurrent loans to loans | 1.2299% | 3,498 |
| Net loans and leases to total assets | 65.9651% | 2,605 |
| Net loans and leases to deposits | 71.9993% | 3,445 |
| Net loans and leases to core deposits | 81.3968% | 2,872 |
| Total domestic deposits to total assets | 91.6191% | 336 |
| Equity capital to assets | 8.1054% | 6,125 |
| Core capital (leverage) ratio | 8.8699% | 5,191 |
| Tier 1 risk-based capital ratio | 13.2356% | 4,970 |
| Total risk-based capital ratio | 14.3154% | 5,037 |
| Memoranda: | ||
| Average total assets | $115,960,330 | 4,442 |
| Average earning assets | $107,207,670 | 4,409 |
| Average equity | $10,198,330 | 4,892 |
| Average total loans | $75,909,670 | 4,108 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 1,291 |
| Cost of funding earning assets | 0.4478% | 4,620 |
| Net interest margin | 4.3517% | 878 |
| Noninterest income to average assets | 0.4316% | 4,241 |
| Noninterest expense to average assets | 3.0624% | 2,802 |
| Loan and lease loss provision to assets | 0.2072% | 1,791 |
| Net operating income to assets | 1.2222% | 1,464 |
| Return on assets (ROA) | 1.3500% | 1,250 |
| Pretax return on assets | 1.3500% | 2,043 |
| Return on Equity (ROE) | 14.7693% | 811 |
| Retained earnings to average equity (ytd only) | 14.7693% | 370 |
| Net charge-offs to loans | -0.0053% | 5,283 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1783% | 4,280 |
| Assets per employee ($millions) | 2.7948% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,886 |
| Loan loss allowance to noncurrent loans | 85.7301% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 4,027 |
| Noncurrent loans to loans | 1.1989% | 3,769 |
| Net loans and leases to total assets | 63.5753% | 2,792 |
| Net loans and leases to deposits | 70.0635% | 3,469 |
| Net loans and leases to core deposits | 80.3900% | 2,760 |
| Total domestic deposits to total assets | 90.7396% | 646 |
| Equity capital to assets | 9.0465% | 5,426 |
| Core capital (leverage) ratio | 8.7980% | 5,189 |
| Tier 1 risk-based capital ratio | 13.5996% | 4,799 |
| Total risk-based capital ratio | 14.6081% | 4,919 |
| Memoranda: | ||
| Average total assets | $115,856,000 | 4,485 |
| Average earning assets | $108,095,000 | 4,422 |
| Average equity | $10,589,500 | 4,864 |
| Average total loans | $75,120,500 | 4,162 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 1,755 |
| Cost of funding earning assets | 0.5773% | 4,566 |
| Net interest margin | 4.3504% | 1,285 |
| Noninterest income to average assets | 0.6638% | 2,913 |
| Noninterest expense to average assets | 3.0650% | 3,028 |
| Loan and lease loss provision to assets | 0.2784% | 2,427 |
| Net operating income to assets | 1.2937% | 1,323 |
| Return on assets (ROA) | 1.4729% | 1,079 |
| Pretax return on assets | 1.4729% | 1,769 |
| Return on Equity (ROE) | 16.6467% | 580 |
| Retained earnings to average equity (ytd only) | 8.4167% | 996 |
| Net charge-offs to loans | 0.0880% | 4,800 |
| Credit loss provision to net charge-offs | 492.3077% | 494 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 1,057 |
| Efficiency ratio | 66.0976% | 4,483 |
| Assets per employee ($millions) | 2.7221% | 6,399 |
| Cash dividends to net income (ytd only)* | 49.4389% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,118 |
| Loan loss allowance to noncurrent loans | 71.9758% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 3,885 |
| Noncurrent loans to loans | 1.3255% | 3,624 |
| Net loans and leases to total assets | 64.8351% | 2,751 |
| Net loans and leases to deposits | 71.5986% | 3,480 |
| Net loans and leases to core deposits | 80.2629% | 2,970 |
| Total domestic deposits to total assets | 90.5537% | 677 |
| Equity capital to assets | 9.2364% | 5,229 |
| Core capital (leverage) ratio | 8.7275% | 5,285 |
| Tier 1 risk-based capital ratio | 13.3354% | 4,875 |
| Total risk-based capital ratio | 14.2819% | 5,024 |
| Memoranda: | ||
| Average total assets | $114,942,400 | 4,465 |
| Average earning assets | $104,978,200 | 4,469 |
| Average equity | $10,170,200 | 4,946 |
| Average total loans | $73,886,600 | 4,211 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 1,819 |
| Cost of funding earning assets | 0.6053% | 4,591 |
| Net interest margin | 4.3476% | 1,350 |
| Noninterest income to average assets | 0.7252% | 2,595 |
| Noninterest expense to average assets | 3.1058% | 2,872 |
| Loan and lease loss provision to assets | 0.3359% | 1,948 |
| Net operating income to assets | 1.2360% | 1,614 |
| Return on assets (ROA) | 1.4747% | 1,187 |
| Pretax return on assets | 1.4747% | 1,984 |
| Return on Equity (ROE) | 16.8503% | 624 |
| Retained earnings to average equity (ytd only) | 8.4451% | 1,428 |
| Net charge-offs to loans | 0.1122% | 4,267 |
| Credit loss provision to net charge-offs | 467.7419% | 570 |
| Earnings coverage of net charge-offs (x) | 21.8883% | 1,376 |
| Efficiency ratio | 66.3943% | 4,373 |
| Assets per employee ($millions) | 2.7518% | 6,427 |
| Cash dividends to net income (ytd only)* | 49.8825% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 6,337 |
| Loan loss allowance to noncurrent loans | 81.0142% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 4,188 |
| Noncurrent loans to loans | 1.1312% | 4,166 |
| Net loans and leases to total assets | 64.2677% | 2,984 |
| Net loans and leases to deposits | 71.0020% | 3,752 |
| Net loans and leases to core deposits | 79.5310% | 3,266 |
| Total domestic deposits to total assets | 90.5153% | 596 |
| Equity capital to assets | 9.0806% | 5,740 |
| Core capital (leverage) ratio | 8.5494% | 5,688 |
| Tier 1 risk-based capital ratio | 13.0534% | 5,204 |
| Total risk-based capital ratio | 13.9646% | 5,430 |
| Memoranda: | ||
| Average total assets | $115,095,500 | 4,506 |
| Average earning assets | $104,636,750 | 4,524 |
| Average equity | $10,072,750 | 5,010 |
| Average total loans | $73,648,250 | 4,270 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 1,839 |
| Cost of funding earning assets | 0.6241% | 4,685 |
| Net interest margin | 4.3575% | 1,316 |
| Noninterest income to average assets | 0.5760% | 3,407 |
| Noninterest expense to average assets | 3.0086% | 3,231 |
| Loan and lease loss provision to assets | 0.2784% | 2,358 |
| Net operating income to assets | 1.2372% | 1,589 |
| Return on assets (ROA) | 1.4234% | 1,273 |
| Pretax return on assets | 1.4234% | 2,116 |
| Return on Equity (ROE) | 16.4720% | 698 |
| Retained earnings to average equity (ytd only) | 8.3367% | 1,503 |
| Net charge-offs to loans | 0.0191% | 5,140 |
| Credit loss provision to net charge-offs | 2,285.7143% | 134 |
| Earnings coverage of net charge-offs (x) | 124.4286% | 357 |
| Efficiency ratio | 66.5000% | 4,426 |
| Assets per employee ($millions) | 2.6923% | 6,536 |
| Cash dividends to net income (ytd only)* | 49.3888% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 6,650 |
| Loan loss allowance to noncurrent loans | 68.0000% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.1647% | 4,065 |
| Noncurrent loans to loans | 1.1885% | 4,171 |
| Net loans and leases to total assets | 66.4291% | 2,587 |
| Net loans and leases to deposits | 73.3125% | 3,412 |
| Net loans and leases to core deposits | 82.7770% | 2,859 |
| Total domestic deposits to total assets | 90.6108% | 609 |
| Equity capital to assets | 9.0823% | 5,599 |
| Core capital (leverage) ratio | 8.2588% | 5,980 |
| Tier 1 risk-based capital ratio | 12.5308% | 5,545 |
| Total risk-based capital ratio | 13.3282% | 5,857 |
| Memoranda: | ||
| Average total assets | $114,935,330 | 4,530 |
| Average earning assets | $104,143,330 | 4,566 |
| Average equity | $9,932,000 | 5,048 |
| Average total loans | $73,209,330 | 4,307 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 2,148 |
| Cost of funding earning assets | 0.6365% | 4,842 |
| Net interest margin | 4.2914% | 1,496 |
| Noninterest income to average assets | 0.4937% | 3,952 |
| Noninterest expense to average assets | 3.0691% | 3,021 |
| Loan and lease loss provision to assets | 0.4488% | 1,385 |
| Net operating income to assets | 0.8631% | 3,088 |
| Return on assets (ROA) | 1.2256% | 1,847 |
| Pretax return on assets | 1.2256% | 2,813 |
| Return on Equity (ROE) | 14.5447% | 1,070 |
| Retained earnings to average equity (ytd only) | 14.5447% | 504 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0552% | 3,796 |
| Assets per employee ($millions) | 2.7744% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 6,727 |
| Loan loss allowance to noncurrent loans | 65.5172% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2615% | 4,030 |
| Noncurrent loans to loans | 1.2309% | 4,281 |
| Net loans and leases to total assets | 62.1729% | 3,226 |
| Net loans and leases to deposits | 68.1380% | 4,036 |
| Net loans and leases to core deposits | 76.5679% | 3,548 |
| Total domestic deposits to total assets | 91.2457% | 458 |
| Equity capital to assets | 8.4883% | 6,094 |
| Core capital (leverage) ratio | 8.2081% | 6,014 |
| Tier 1 risk-based capital ratio | 12.7856% | 5,375 |
| Total risk-based capital ratio | 13.5735% | 5,700 |
| Memoranda: | ||
| Average total assets | $115,864,500 | 4,547 |
| Average earning assets | $104,953,000 | 4,571 |
| Average equity | $9,763,000 | 5,099 |
| Average total loans | $71,950,000 | 4,385 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 3,235 |
| Cost of funding earning assets | 0.7230% | 5,386 |
| Net interest margin | 4.2019% | 2,052 |
| Noninterest income to average assets | 0.5442% | 3,552 |
| Noninterest expense to average assets | 3.0382% | 3,447 |
| Loan and lease loss provision to assets | 0.2044% | 4,142 |
| Net operating income to assets | 1.1410% | 1,693 |
| Return on assets (ROA) | 1.2522% | 1,473 |
| Pretax return on assets | 1.2522% | 2,291 |
| Return on Equity (ROE) | 15.8512% | 625 |
| Retained earnings to average equity (ytd only) | 7.8928% | 1,118 |
| Net charge-offs to loans | 0.6361% | 2,550 |
| Credit loss provision to net charge-offs | 53.2584% | 5,341 |
| Earnings coverage of net charge-offs (x) | 3.5056% | 3,491 |
| Efficiency ratio | 69.3095% | 4,090 |
| Assets per employee ($millions) | 2.6183% | 6,701 |
| Cash dividends to net income (ytd only)* | 50.2066% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6477% | 6,964 |
| Loan loss allowance to noncurrent loans | 34.0757% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 1.6666% | 3,454 |
| Noncurrent loans to loans | 1.9008% | 3,341 |
| Net loans and leases to total assets | 61.1133% | 3,757 |
| Net loans and leases to deposits | 66.8436% | 4,617 |
| Net loans and leases to core deposits | 73.8199% | 4,264 |
| Total domestic deposits to total assets | 91.4274% | 354 |
| Equity capital to assets | 8.3634% | 6,291 |
| Core capital (leverage) ratio | 7.9002% | 6,358 |
| Tier 1 risk-based capital ratio | 12.7306% | 5,288 |
| Total risk-based capital ratio | 13.3655% | 5,730 |
| Memoranda: | ||
| Average total assets | $115,955,200 | 4,500 |
| Average earning assets | $105,952,600 | 4,504 |
| Average equity | $9,160,200 | 5,234 |
| Average total loans | $69,953,600 | 4,495 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 3,571 |
| Cost of funding earning assets | 0.7372% | 5,548 |
| Net interest margin | 4.1605% | 2,239 |
| Noninterest income to average assets | 0.5441% | 3,559 |
| Noninterest expense to average assets | 3.0777% | 3,245 |
| Loan and lease loss provision to assets | 0.2227% | 3,787 |
| Net operating income to assets | 1.0665% | 2,082 |
| Return on assets (ROA) | 1.1996% | 1,765 |
| Pretax return on assets | 1.1996% | 2,635 |
| Return on Equity (ROE) | 15.4101% | 763 |
| Retained earnings to average equity (ytd only) | 8.0073% | 1,506 |
| Net charge-offs to loans | 0.5775% | 2,521 |
| Credit loss provision to net charge-offs | 64.2384% | 4,662 |
| Earnings coverage of net charge-offs (x) | 3.7185% | 3,322 |
| Efficiency ratio | 70.4784% | 3,860 |
| Assets per employee ($millions) | 2.6999% | 6,649 |
| Cash dividends to net income (ytd only)* | 48.0385% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 6,860 |
| Loan loss allowance to noncurrent loans | 52.7856% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.3763% | 4,064 |
| Noncurrent loans to loans | 1.4606% | 4,108 |
| Net loans and leases to total assets | 60.5618% | 4,034 |
| Net loans and leases to deposits | 66.1691% | 4,879 |
| Net loans and leases to core deposits | 72.6490% | 4,630 |
| Total domestic deposits to total assets | 91.5258% | 291 |
| Equity capital to assets | 8.0474% | 6,666 |
| Core capital (leverage) ratio | 7.7934% | 6,566 |
| Tier 1 risk-based capital ratio | 12.3407% | 5,630 |
| Total risk-based capital ratio | 13.1051% | 5,980 |
| Memoranda: | ||
| Average total assets | $116,143,000 | 4,528 |
| Average earning assets | $106,715,000 | 4,510 |
| Average equity | $9,041,500 | 5,296 |
| Average total loans | $69,726,000 | 4,537 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 3,912 |
| Cost of funding earning assets | 0.7578% | 5,634 |
| Net interest margin | 4.0817% | 2,483 |
| Noninterest income to average assets | 0.4859% | 3,973 |
| Noninterest expense to average assets | 3.0384% | 3,489 |
| Loan and lease loss provision to assets | 0.1753% | 4,170 |
| Net operating income to assets | 1.0203% | 2,137 |
| Return on assets (ROA) | 1.1210% | 1,894 |
| Pretax return on assets | 1.1210% | 2,767 |
| Return on Equity (ROE) | 14.5681% | 878 |
| Retained earnings to average equity (ytd only) | 7.5096% | 1,656 |
| Net charge-offs to loans | 0.8808% | 1,760 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 2.2739% | 3,691 |
| Efficiency ratio | 71.7623% | 3,786 |
| Assets per employee ($millions) | 2.5785% | 6,825 |
| Cash dividends to net income (ytd only)* | 48.4520% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6644% | 7,065 |
| Loan loss allowance to noncurrent loans | 45.9941% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 1.4059% | 4,112 |
| Noncurrent loans to loans | 1.4446% | 4,252 |
| Net loans and leases to total assets | 61.2770% | 4,028 |
| Net loans and leases to deposits | 66.9530% | 4,859 |
| Net loans and leases to core deposits | 73.8482% | 4,597 |
| Total domestic deposits to total assets | 91.5224% | 335 |
| Equity capital to assets | 8.1180% | 6,590 |
| Core capital (leverage) ratio | 7.8138% | 6,498 |
| Tier 1 risk-based capital ratio | 12.6498% | 5,219 |
| Total risk-based capital ratio | 13.3172% | 5,701 |
| Memoranda: | ||
| Average total assets | $115,258,670 | 4,577 |
| Average earning assets | $105,839,000 | 4,570 |
| Average equity | $8,868,670 | 5,357 |
| Average total loans | $68,800,000 | 4,622 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 4,499 |
| Cost of funding earning assets | 0.7799% | 5,672 |
| Net interest margin | 3.9259% | 3,024 |
| Noninterest income to average assets | 0.4477% | 4,310 |
| Noninterest expense to average assets | 3.0957% | 3,260 |
| Loan and lease loss provision to assets | 0.1067% | 4,678 |
| Net operating income to assets | 0.8333% | 2,867 |
| Return on assets (ROA) | 0.9022% | 2,617 |
| Pretax return on assets | 0.9022% | 3,486 |
| Return on Equity (ROE) | 12.0487% | 1,448 |
| Retained earnings to average equity (ytd only) | 12.0487% | 731 |
| Net charge-offs to loans | 0.0176% | 4,832 |
| Credit loss provision to net charge-offs | 1,033.3333% | 368 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 349 |
| Efficiency ratio | 76.7065% | 3,031 |
| Assets per employee ($millions) | 2.6260% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,325 |
| Loan loss allowance to noncurrent loans | 60.7517% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 3,603 |
| Noncurrent loans to loans | 1.6747% | 3,972 |
| Net loans and leases to total assets | 58.5206% | 4,550 |
| Net loans and leases to deposits | 63.5546% | 5,319 |
| Net loans and leases to core deposits | 69.9223% | 5,053 |
| Total domestic deposits to total assets | 92.0792% | 261 |
| Equity capital to assets | 7.6127% | 6,803 |
| Core capital (leverage) ratio | 7.4334% | 6,769 |
| Tier 1 risk-based capital ratio | 12.8979% | 4,900 |
| Total risk-based capital ratio | 13.9232% | 5,068 |
| Memoranda: | ||
| Average total assets | $116,162,000 | 4,585 |
| Average earning assets | $106,166,000 | 4,590 |
| Average equity | $8,698,000 | 5,408 |
| Average total loans | $68,207,500 | 4,678 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4125% | 2,613 |
| Cost of funding earning assets | 1.0411% | 5,475 |
| Net interest margin | 4.3714% | 1,583 |
| Noninterest income to average assets | 0.5592% | 3,752 |
| Noninterest expense to average assets | 3.3103% | 2,712 |
| Loan and lease loss provision to assets | 0.0480% | 6,679 |
| Net operating income to assets | 1.1609% | 1,506 |
| Return on assets (ROA) | 1.1609% | 1,590 |
| Pretax return on assets | 1.1609% | 2,361 |
| Return on Equity (ROE) | 14.8869% | 733 |
| Retained earnings to average equity (ytd only) | 8.1416% | 941 |
| Net charge-offs to loans | 0.1524% | 5,437 |
| Credit loss provision to net charge-offs | 47.2727% | 6,302 |
| Earnings coverage of net charge-offs (x) | 11.9091% | 1,557 |
| Efficiency ratio | 73.2489% | 3,545 |
| Assets per employee ($millions) | 2.6541% | 6,763 |
| Cash dividends to net income (ytd only)* | 45.3100% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 6,461 |
| Loan loss allowance to noncurrent loans | 234.0351% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 4,740 |
| Noncurrent loans to loans | 0.4185% | 6,212 |
| Net loans and leases to total assets | 57.7462% | 5,065 |
| Net loans and leases to deposits | 62.5276% | 5,787 |
| Net loans and leases to core deposits | 70.0961% | 5,438 |
| Total domestic deposits to total assets | 92.3531% | 211 |
| Equity capital to assets | 7.3643% | 6,961 |
| Core capital (leverage) ratio | 7.0539% | 6,999 |
| Tier 1 risk-based capital ratio | 12.8339% | 4,743 |
| Total risk-based capital ratio | 13.8434% | 4,929 |
| Memoranda: | ||
| Average total assets | $108,360,000 | 4,759 |
| Average earning assets | $98,161,200 | 4,765 |
| Average equity | $8,450,400 | 5,565 |
| Average total loans | $72,156,200 | 4,603 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6036% | 2,044 |
| Cost of funding earning assets | 1.0873% | 5,503 |
| Net interest margin | 4.5163% | 1,222 |
| Noninterest income to average assets | 0.5835% | 3,554 |
| Noninterest expense to average assets | 3.4194% | 2,236 |
| Loan and lease loss provision to assets | 0.0477% | 6,604 |
| Net operating income to assets | 1.1871% | 1,630 |
| Return on assets (ROA) | 1.1871% | 1,725 |
| Pretax return on assets | 1.1871% | 2,541 |
| Return on Equity (ROE) | 14.9923% | 858 |
| Retained earnings to average equity (ytd only) | 7.5437% | 1,579 |
| Net charge-offs to loans | 0.0547% | 5,974 |
| Credit loss provision to net charge-offs | 126.6667% | 3,221 |
| Earnings coverage of net charge-offs (x) | 32.7993% | 819 |
| Efficiency ratio | 73.4699% | 3,418 |
| Assets per employee ($millions) | 2.6358% | 6,870 |
| Cash dividends to net income (ytd only)* | 49.6829% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 6,252 |
| Loan loss allowance to noncurrent loans | 66.0360% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 4,821 |
| Noncurrent loans to loans | 1.5643% | 4,295 |
| Net loans and leases to total assets | 60.5491% | 4,808 |
| Net loans and leases to deposits | 65.7125% | 5,701 |
| Net loans and leases to core deposits | 73.3928% | 5,367 |
| Total domestic deposits to total assets | 92.1424% | 171 |
| Equity capital to assets | 7.3782% | 7,194 |
| Core capital (leverage) ratio | 7.4152% | 6,915 |
| Tier 1 risk-based capital ratio | 12.0518% | 5,415 |
| Total risk-based capital ratio | 13.1202% | 5,547 |
| Memoranda: | ||
| Average total assets | $106,255,000 | 4,880 |
| Average earning assets | $95,769,750 | 4,898 |
| Average equity | $8,413,000 | 5,653 |
| Average total loans | $73,169,500 | 4,633 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7294% | 1,658 |
| Cost of funding earning assets | 1.1184% | 5,576 |
| Net interest margin | 4.6111% | 970 |
| Noninterest income to average assets | 0.6057% | 3,297 |
| Noninterest expense to average assets | 3.5238% | 1,971 |
| Loan and lease loss provision to assets | 0.0447% | 6,527 |
| Net operating income to assets | 1.1998% | 1,562 |
| Return on assets (ROA) | 1.1998% | 1,633 |
| Pretax return on assets | 1.1998% | 2,417 |
| Return on Equity (ROE) | 14.7759% | 894 |
| Retained earnings to average equity (ytd only) | 7.3640% | 1,685 |
| Net charge-offs to loans | 0.0785% | 5,353 |
| Credit loss provision to net charge-offs | 79.3103% | 4,726 |
| Earnings coverage of net charge-offs (x) | 22.1034% | 1,147 |
| Efficiency ratio | 73.9007% | 3,493 |
| Assets per employee ($millions) | 2.3298% | 7,323 |
| Cash dividends to net income (ytd only)* | 50.1618% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 6,499 |
| Loan loss allowance to noncurrent loans | 51.4695% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.4498% | 4,285 |
| Noncurrent loans to loans | 1.8962% | 3,871 |
| Net loans and leases to total assets | 69.4839% | 3,022 |
| Net loans and leases to deposits | 75.9382% | 4,348 |
| Net loans and leases to core deposits | 85.9555% | 3,842 |
| Total domestic deposits to total assets | 91.5006% | 326 |
| Equity capital to assets | 8.0301% | 6,724 |
| Core capital (leverage) ratio | 7.6921% | 6,620 |
| Tier 1 risk-based capital ratio | 11.5652% | 5,704 |
| Total risk-based capital ratio | 12.5903% | 5,895 |
| Memoranda: | ||
| Average total assets | $103,014,330 | 4,992 |
| Average earning assets | $92,993,330 | 5,016 |
| Average equity | $8,365,000 | 5,678 |
| Average total loans | $73,907,330 | 4,644 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7823% | 1,513 |
| Cost of funding earning assets | 1.1391% | 5,711 |
| Net interest margin | 4.6432% | 883 |
| Noninterest income to average assets | 0.6033% | 3,258 |
| Noninterest expense to average assets | 3.4084% | 2,207 |
| Loan and lease loss provision to assets | 0.0431% | 6,248 |
| Net operating income to assets | 1.3516% | 1,183 |
| Return on assets (ROA) | 1.3516% | 1,253 |
| Pretax return on assets | 1.3516% | 1,897 |
| Return on Equity (ROE) | 16.5507% | 647 |
| Retained earnings to average equity (ytd only) | 16.5507% | 306 |
| Net charge-offs to loans | -0.0162% | 7,020 |
| Credit loss provision to net charge-offs | -366.6667% | 6,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9625% | 4,125 |
| Assets per employee ($millions) | 2.2576% | 7,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,481 |
| Loan loss allowance to noncurrent loans | 58.0063% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3578% | 4,478 |
| Noncurrent loans to loans | 1.7224% | 4,159 |
| Net loans and leases to total assets | 70.5127% | 2,796 |
| Net loans and leases to deposits | 80.9199% | 3,472 |
| Net loans and leases to core deposits | 92.3125% | 3,070 |
| Total domestic deposits to total assets | 87.1389% | 2,555 |
| Equity capital to assets | 8.1619% | 6,482 |
| Core capital (leverage) ratio | 7.8385% | 6,452 |
| Tier 1 risk-based capital ratio | 11.2508% | 5,904 |
| Total risk-based capital ratio | 12.2726% | 6,105 |
| Memoranda: | ||
| Average total assets | $102,100,000 | 5,088 |
| Average earning assets | $92,350,000 | 5,094 |
| Average equity | $8,338,000 | 5,731 |
| Average total loans | $74,077,500 | 4,709 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0610% | 1,637 |
| Cost of funding earning assets | 1.2430% | 6,494 |
| Net interest margin | 4.8180% | 668 |
| Noninterest income to average assets | 0.5744% | 3,824 |
| Noninterest expense to average assets | 3.4380% | 2,559 |
| Loan and lease loss provision to assets | 0.0826% | 6,782 |
| Net operating income to assets | 1.4140% | 824 |
| Return on assets (ROA) | 1.4140% | 879 |
| Pretax return on assets | 1.4140% | 1,394 |
| Return on Equity (ROE) | 18.7468% | 317 |
| Retained earnings to average equity (ytd only) | 7.4121% | 841 |
| Net charge-offs to loans | 0.0126% | 7,046 |
| Credit loss provision to net charge-offs | 955.5556% | 307 |
| Earnings coverage of net charge-offs (x) | 173.1111% | 163 |
| Efficiency ratio | 69.6710% | 4,700 |
| Assets per employee ($millions) | 2.1816% | 7,586 |
| Cash dividends to net income (ytd only)* | 60.4620% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 6,498 |
| Loan loss allowance to noncurrent loans | 230.8917% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 6,341 |
| Noncurrent loans to loans | 0.4232% | 6,424 |
| Net loans and leases to total assets | 73.2073% | 2,447 |
| Net loans and leases to deposits | 84.0955% | 3,244 |
| Net loans and leases to core deposits | 110.4371% | 2,845 |
| Total domestic deposits to total assets | 87.0526% | 2,472 |
| Equity capital to assets | 8.1712% | 6,376 |
| Core capital (leverage) ratio | 7.5722% | 6,718 |
| Tier 1 risk-based capital ratio | 10.8684% | 6,045 |
| Total risk-based capital ratio | 11.8797% | 6,246 |
| Memoranda: | ||
| Average total assets | $104,102,000 | 4,980 |
| Average earning assets | $94,208,400 | 5,005 |
| Average equity | $7,852,000 | 5,976 |
| Average total loans | $71,408,800 | 4,816 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0653% | 1,778 |
| Cost of funding earning assets | 1.2557% | 6,696 |
| Net interest margin | 4.8096% | 669 |
| Noninterest income to average assets | 0.5547% | 4,042 |
| Noninterest expense to average assets | 3.3447% | 2,743 |
| Loan and lease loss provision to assets | 0.0698% | 6,662 |
| Net operating income to assets | 1.4915% | 831 |
| Return on assets (ROA) | 1.4915% | 884 |
| Pretax return on assets | 1.4915% | 1,437 |
| Return on Equity (ROE) | 20.1755% | 299 |
| Retained earnings to average equity (ytd only) | 8.3621% | 1,021 |
| Net charge-offs to loans | 0.0132% | 6,734 |
| Credit loss provision to net charge-offs | 785.7143% | 487 |
| Earnings coverage of net charge-offs (x) | 175.7728% | 217 |
| Efficiency ratio | 68.1759% | 4,930 |
| Assets per employee ($millions) | 2.2915% | 7,509 |
| Cash dividends to net income (ytd only)* | 58.5531% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,451 |
| Loan loss allowance to noncurrent loans | 227.4510% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 6,765 |
| Noncurrent loans to loans | 0.4258% | 6,482 |
| Net loans and leases to total assets | 67.5148% | 4,066 |
| Net loans and leases to deposits | 73.5602% | 5,434 |
| Net loans and leases to core deposits | 93.6692% | 5,052 |
| Total domestic deposits to total assets | 91.7817% | 207 |
| Equity capital to assets | 7.7003% | 7,149 |
| Core capital (leverage) ratio | 7.2196% | 7,247 |
| Tier 1 risk-based capital ratio | 10.9224% | 6,025 |
| Total risk-based capital ratio | 11.9100% | 6,266 |
| Memoranda: | ||
| Average total assets | $105,039,500 | 4,987 |
| Average earning assets | $95,030,500 | 5,006 |
| Average equity | $7,765,000 | 6,060 |
| Average total loans | $70,713,500 | 4,889 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0032% | 2,170 |
| Cost of funding earning assets | 1.2680% | 6,903 |
| Net interest margin | 4.7352% | 754 |
| Noninterest income to average assets | 0.5338% | 4,155 |
| Noninterest expense to average assets | 3.3513% | 2,782 |
| Loan and lease loss provision to assets | 0.0362% | 6,878 |
| Net operating income to assets | 1.4316% | 955 |
| Return on assets (ROA) | 1.4316% | 1,022 |
| Pretax return on assets | 1.4316% | 1,642 |
| Return on Equity (ROE) | 19.6400% | 360 |
| Retained earnings to average equity (ytd only) | 8.2901% | 1,122 |
| Net charge-offs to loans | 0.0142% | 6,343 |
| Credit loss provision to net charge-offs | 380.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 264 |
| Efficiency ratio | 69.5411% | 4,869 |
| Assets per employee ($millions) | 2.3425% | 7,499 |
| Cash dividends to net income (ytd only)* | 57.7896% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,751 |
| Loan loss allowance to noncurrent loans | 720.6522% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 7,371 |
| Noncurrent loans to loans | 0.1254% | 7,202 |
| Net loans and leases to total assets | 67.4499% | 4,265 |
| Net loans and leases to deposits | 73.1489% | 5,588 |
| Net loans and leases to core deposits | 91.1108% | 5,433 |
| Total domestic deposits to total assets | 92.2091% | 180 |
| Equity capital to assets | 7.2851% | 7,423 |
| Core capital (leverage) ratio | 6.9957% | 7,545 |
| Tier 1 risk-based capital ratio | 10.4921% | 6,385 |
| Total risk-based capital ratio | 11.4162% | 6,685 |
| Memoranda: | ||
| Average total assets | $104,915,670 | 5,019 |
| Average earning assets | $94,949,330 | 5,044 |
| Average equity | $7,647,670 | 6,133 |
| Average total loans | $70,330,000 | 4,946 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9314% | 2,642 |
| Cost of funding earning assets | 1.3043% | 7,000 |
| Net interest margin | 4.6271% | 898 |
| Noninterest income to average assets | 0.5179% | 4,157 |
| Noninterest expense to average assets | 3.2658% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4339% | 1,071 |
| Return on assets (ROA) | 1.4339% | 1,155 |
| Pretax return on assets | 1.4339% | 1,865 |
| Return on Equity (ROE) | 19.6647% | 445 |
| Retained earnings to average equity (ytd only) | 19.6647% | 170 |
| Net charge-offs to loans | 0.0232% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 92.7500% | 462 |
| Efficiency ratio | 69.4901% | 4,680 |
| Assets per employee ($millions) | 2.2838% | 7,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 6,699 |
| Loan loss allowance to noncurrent loans | 707.6923% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 7,335 |
| Noncurrent loans to loans | 0.1286% | 7,151 |
| Net loans and leases to total assets | 66.7447% | 4,398 |
| Net loans and leases to deposits | 72.4927% | 5,683 |
| Net loans and leases to core deposits | 90.6634% | 5,489 |
| Total domestic deposits to total assets | 92.0710% | 176 |
| Equity capital to assets | 7.4521% | 7,395 |
| Core capital (leverage) ratio | 7.2057% | 7,474 |
| Tier 1 risk-based capital ratio | 10.9186% | 5,973 |
| Total risk-based capital ratio | 11.8461% | 6,218 |
| Memoranda: | ||
| Average total assets | $103,496,500 | 5,085 |
| Average earning assets | $93,536,000 | 5,102 |
| Average equity | $7,546,500 | 6,205 |
| Average total loans | $68,823,500 | 5,022 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5134% | 2,891 |
| Cost of funding earning assets | 1.6182% | 7,410 |
| Net interest margin | 4.8952% | 638 |
| Noninterest income to average assets | 0.6221% | 3,696 |
| Noninterest expense to average assets | 3.4515% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6096% | 822 |
| Return on assets (ROA) | 1.6096% | 783 |
| Pretax return on assets | 1.6096% | 1,357 |
| Return on Equity (ROE) | 22.0475% | 255 |
| Retained earnings to average equity (ytd only) | 4.6954% | 2,206 |
| Net charge-offs to loans | 0.0513% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 46.2647% | 805 |
| Efficiency ratio | 68.1965% | 4,687 |
| Assets per employee ($millions) | 2.2160% | 7,680 |
| Cash dividends to net income (ytd only)* | 78.7031% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 6,274 |
| Loan loss allowance to noncurrent loans | 654.5455% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 7,189 |
| Noncurrent loans to loans | 0.1480% | 6,968 |
| Net loans and leases to total assets | 64.9770% | 5,069 |
| Net loans and leases to deposits | 70.3244% | 6,238 |
| Net loans and leases to core deposits | 88.4053% | 5,932 |
| Total domestic deposits to total assets | 92.3962% | 92 |
| Equity capital to assets | 7.1260% | 7,668 |
| Core capital (leverage) ratio | 7.1008% | 7,616 |
| Tier 1 risk-based capital ratio | 11.2228% | 5,514 |
| Total risk-based capital ratio | 12.2315% | 5,646 |
| Memoranda: | ||
| Average total assets | $97,726,800 | 5,124 |
| Average earning assets | $88,617,800 | 5,127 |
| Average equity | $7,134,600 | 6,410 |
| Average total loans | $66,325,200 | 5,005 |