Home > The Chesapeake Bank & Trust Co. > Performance and Condition Ratios
The Chesapeake Bank & Trust Co., 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 | 4.9385% | 2,198 |
| Cost of funding earning assets | 0.6136% | 4,048 |
| Net interest margin | 4.3249% | 780 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.5166% | 2,249 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.7602% | 649 |
| Return on assets (ROA) | 1.7389% | 651 |
| Pretax return on assets | 1.7389% | 989 |
| Return on Equity (ROE) | 19.0900% | 702 |
| Retained earnings to average equity (ytd only) | 6.3343% | 2,123 |
| Net charge-offs to loans | -0.0161% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.5145% | 3,341 |
| Assets per employee ($millions) | 6.3203% | 2,533 |
| Cash dividends to net income (ytd only)* | 66.8182% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,132 |
| Loan loss allowance to noncurrent loans | 406.4897% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 1,811 |
| Noncurrent loans to loans | 0.3625% | 1,900 |
| Net loans and leases to total assets | 76.7200% | 1,013 |
| Net loans and leases to deposits | 93.3283% | 991 |
| Net loans and leases to core deposits | 99.9317% | 1,442 |
| Total domestic deposits to total assets | 82.2100% | 3,088 |
| Equity capital to assets | 10.1636% | 1,911 |
| Core capital (leverage) ratio | 9.8706% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1127% | 1,504 |
| Memoranda: | ||
| Average total assets | $126,519,200 | 3,582 |
| Average earning assets | $117,506,200 | 3,568 |
| Average equity | $11,524,600 | 3,573 |
| Average total loans | $86,936,000 | 3,332 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 2,394 |
| Cost of funding earning assets | 0.5451% | 4,070 |
| Net interest margin | 4.1950% | 930 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.4028% | 2,509 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.7461% | 734 |
| Return on assets (ROA) | 1.7461% | 720 |
| Pretax return on assets | 1.7461% | 1,094 |
| Return on Equity (ROE) | 19.7000% | 753 |
| Retained earnings to average equity (ytd only) | 7.8440% | 2,023 |
| Net charge-offs to loans | -0.0203% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.4962% | 3,356 |
| Assets per employee ($millions) | 6.5794% | 2,265 |
| Cash dividends to net income (ytd only)* | 60.1907% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,055 |
| Loan loss allowance to noncurrent loans | 383.0028% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 1,876 |
| Noncurrent loans to loans | 0.3971% | 1,834 |
| Net loans and leases to total assets | 70.0300% | 1,823 |
| Net loans and leases to deposits | 88.0811% | 1,377 |
| Net loans and leases to core deposits | 93.8849% | 1,683 |
| Total domestic deposits to total assets | 79.5000% | 3,603 |
| Equity capital to assets | 9.5073% | 2,089 |
| Core capital (leverage) ratio | 9.8112% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6583% | 1,392 |
| Memoranda: | ||
| Average total assets | $128,127,750 | 3,584 |
| Average earning assets | $119,122,250 | 3,571 |
| Average equity | $11,354,500 | 3,589 |
| Average total loans | $85,293,000 | 3,354 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 10,040.0000% | 33 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13,576.0000% | 32 |
| Cost of funding earning assets | 75.0000% | 17 |
| Net interest margin | 2.0000% | 4,496 |
| Noninterest income to average assets | 0.0002% | 4,592 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.7079% | 768 |
| Pretax return on assets | 1.7079% | 1,197 |
| Return on Equity (ROE) | 19.7400% | 737 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.6957% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.5869% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 5.0000% | 30 |
| Noncurrent loans to loans | 0.0039% | 3,797 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0016% | 4,535 |
| Total domestic deposits to total assets | 13,345.0000% | 7 |
| Equity capital to assets | 256,944.0000% | 5 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $23,264,000 | 4,565 |
| Average earning assets | $6,309 | 4,624 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 2,561 |
| Cost of funding earning assets | 0.3886% | 3,996 |
| Net interest margin | 4.0053% | 1,254 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.2415% | 2,982 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.7642% | 724 |
| Return on assets (ROA) | 1.7642% | 717 |
| Pretax return on assets | 1.7642% | 1,142 |
| Return on Equity (ROE) | 21.2000% | 647 |
| Retained earnings to average equity (ytd only) | 9.2192% | 1,882 |
| Net charge-offs to loans | -0.0241% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9223% | 3,512 |
| Assets per employee ($millions) | 6.8366% | 2,081 |
| Cash dividends to net income (ytd only)* | 56.5068% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,447 |
| Loan loss allowance to noncurrent loans | 243.3925% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 1,325 |
| Noncurrent loans to loans | 0.5938% | 1,254 |
| Net loans and leases to total assets | 64.7800% | 2,171 |
| Net loans and leases to deposits | 78.0856% | 1,966 |
| Net loans and leases to core deposits | 81.2705% | 2,162 |
| Total domestic deposits to total assets | 82.9600% | 3,304 |
| Equity capital to assets | 8.6723% | 2,761 |
| Core capital (leverage) ratio | 8.9680% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1271% | 1,348 |
| Memoranda: | ||
| Average total assets | $132,408,500 | 3,589 |
| Average earning assets | $124,534,000 | 3,555 |
| Average equity | $11,020,500 | 3,674 |
| Average total loans | $83,134,000 | 3,417 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5552% | 2,925 |
| Cost of funding earning assets | 0.1570% | 4,082 |
| Net interest margin | 3.3981% | 2,262 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.1647% | 3,112 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3108% | 1,393 |
| Return on assets (ROA) | 1.3108% | 1,359 |
| Pretax return on assets | 1.3108% | 2,052 |
| Return on Equity (ROE) | 15.9700% | 1,061 |
| Retained earnings to average equity (ytd only) | 3.7856% | 3,467 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.9355% | 2,918 |
| Assets per employee ($millions) | 7.1011% | 1,893 |
| Cash dividends to net income (ytd only)* | 76.2911% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,235 |
| Loan loss allowance to noncurrent loans | 204.7619% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 1,178 |
| Noncurrent loans to loans | 0.7269% | 1,032 |
| Net loans and leases to total assets | 59.0600% | 2,727 |
| Net loans and leases to deposits | 68.7319% | 2,683 |
| Net loans and leases to core deposits | 71.1956% | 2,784 |
| Total domestic deposits to total assets | 85.9300% | 2,751 |
| Equity capital to assets | 7.9869% | 3,064 |
| Core capital (leverage) ratio | 8.7224% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2051% | 1,565 |
| Memoranda: | ||
| Average total assets | $129,994,200 | 3,631 |
| Average earning assets | $121,625,400 | 3,598 |
| Average equity | $10,672,000 | 3,793 |
| Average total loans | $74,822,000 | 3,493 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3584% | 3,022 |
| Cost of funding earning assets | 0.1475% | 3,868 |
| Net interest margin | 3.2109% | 2,591 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.1652% | 3,023 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1701% | 1,813 |
| Return on assets (ROA) | 1.1701% | 1,788 |
| Pretax return on assets | 1.1701% | 2,490 |
| Return on Equity (ROE) | 14.1500% | 1,391 |
| Retained earnings to average equity (ytd only) | 2.8805% | 3,804 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.9254% | 2,564 |
| Assets per employee ($millions) | 6.7221% | 2,146 |
| Cash dividends to net income (ytd only)* | 79.6460% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,270 |
| Loan loss allowance to noncurrent loans | 190.4290% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 1,096 |
| Noncurrent loans to loans | 0.7919% | 1,017 |
| Net loans and leases to total assets | 62.2900% | 2,254 |
| Net loans and leases to deposits | 74.5286% | 2,003 |
| Net loans and leases to core deposits | 77.8174% | 2,055 |
| Total domestic deposits to total assets | 83.5800% | 3,588 |
| Equity capital to assets | 8.6440% | 2,445 |
| Core capital (leverage) ratio | 8.9986% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4430% | 1,097 |
| Memoranda: | ||
| Average total assets | $128,762,500 | 3,668 |
| Average earning assets | $120,213,750 | 3,642 |
| Average equity | $10,646,000 | 3,843 |
| Average total loans | $73,305,250 | 3,531 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2029% | 3,035 |
| Cost of funding earning assets | 0.1512% | 3,556 |
| Net interest margin | 3.0517% | 2,714 |
| Noninterest income to average assets | 0.4050% | 2,727 |
| Noninterest expense to average assets | 2.1363% | 3,041 |
| Loan and lease loss provision to assets | 0.0381% | 1,905 |
| Net operating income to assets | 1.0887% | 1,818 |
| Return on assets (ROA) | 1.0887% | 1,800 |
| Pretax return on assets | 1.0887% | 2,447 |
| Return on Equity (ROE) | 13.3541% | 1,278 |
| Retained earnings to average equity (ytd only) | 2.1479% | 3,712 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4690% | 2,586 |
| Assets per employee ($millions) | 6.5986% | 2,243 |
| Cash dividends to net income (ytd only)* | 83.9161% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,374 |
| Loan loss allowance to noncurrent loans | 351.7134% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 2,035 |
| Noncurrent loans to loans | 0.4296% | 1,835 |
| Net loans and leases to total assets | 58.6913% | 2,463 |
| Net loans and leases to deposits | 72.3004% | 2,004 |
| Net loans and leases to core deposits | 75.7338% | 2,039 |
| Total domestic deposits to total assets | 81.1770% | 4,106 |
| Equity capital to assets | 8.3949% | 2,842 |
| Core capital (leverage) ratio | 8.7070% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7553% | 1,494 |
| Memoranda: | ||
| Average total assets | $131,351,000 | 3,689 |
| Average earning assets | $123,013,333 | 3,661 |
| Average equity | $10,708,333 | 3,911 |
| Average total loans | $72,232,333 | 3,581 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9184% | 3,487 |
| Cost of funding earning assets | 0.1672% | 3,262 |
| Net interest margin | 2.7512% | 3,276 |
| Noninterest income to average assets | 0.4049% | 2,651 |
| Noninterest expense to average assets | 2.0634% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9379% | 2,117 |
| Return on assets (ROA) | 0.9379% | 2,108 |
| Pretax return on assets | 0.9379% | 2,639 |
| Return on Equity (ROE) | 11.6667% | 1,408 |
| Retained earnings to average equity (ytd only) | 0.5556% | 3,909 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 2,403 |
| Assets per employee ($millions) | 6.8376% | 2,113 |
| Cash dividends to net income (ytd only)* | 95.2381% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,406 |
| Loan loss allowance to noncurrent loans | 528.2297% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 2,679 |
| Noncurrent loans to loans | 0.2931% | 2,420 |
| Net loans and leases to total assets | 54.0430% | 2,752 |
| Net loans and leases to deposits | 65.9763% | 2,342 |
| Net loans and leases to core deposits | 68.7908% | 2,387 |
| Total domestic deposits to total assets | 81.9128% | 4,084 |
| Equity capital to assets | 8.1815% | 3,421 |
| Core capital (leverage) ratio | 8.2910% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2667% | 1,433 |
| Memoranda: | ||
| Average total assets | $134,340,000 | 3,677 |
| Average earning assets | $126,781,500 | 3,648 |
| Average equity | $10,800,000 | 3,970 |
| Average total loans | $70,992,500 | 3,601 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1768% | 3,522 |
| Cost of funding earning assets | 0.2231% | 3,222 |
| Net interest margin | 2.9537% | 3,309 |
| Noninterest income to average assets | 0.3968% | 3,065 |
| Noninterest expense to average assets | 2.0284% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1324% | 2,166 |
| Return on assets (ROA) | 1.1324% | 2,220 |
| Pretax return on assets | 1.1324% | 2,877 |
| Return on Equity (ROE) | 13.4805% | 1,316 |
| Retained earnings to average equity (ytd only) | 1.8751% | 4,016 |
| Net charge-offs to loans | 0.0067% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 296.2000% | 414 |
| Efficiency ratio | 64.1751% | 2,536 |
| Assets per employee ($millions) | 8.1626% | 1,242 |
| Cash dividends to net income (ytd only)* | 86.0905% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,356 |
| Loan loss allowance to noncurrent loans | 506.4220% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 2,842 |
| Noncurrent loans to loans | 0.3085% | 2,488 |
| Net loans and leases to total assets | 50.1330% | 3,255 |
| Net loans and leases to deposits | 61.0494% | 2,984 |
| Net loans and leases to core deposits | 63.7055% | 3,007 |
| Total domestic deposits to total assets | 82.1187% | 3,944 |
| Equity capital to assets | 7.9062% | 4,415 |
| Core capital (leverage) ratio | 8.0606% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,789,600 | 3,677 |
| Average earning assets | $122,389,000 | 3,657 |
| Average equity | $10,986,200 | 4,037 |
| Average total loans | $75,040,600 | 3,560 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3055% | 3,375 |
| Cost of funding earning assets | 0.2336% | 3,280 |
| Net interest margin | 3.0719% | 3,123 |
| Noninterest income to average assets | 0.4130% | 3,014 |
| Noninterest expense to average assets | 2.0580% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2143% | 2,118 |
| Return on assets (ROA) | 1.2143% | 2,177 |
| Pretax return on assets | 1.2143% | 2,884 |
| Return on Equity (ROE) | 14.2308% | 1,331 |
| Retained earnings to average equity (ytd only) | 3.3120% | 3,799 |
| Net charge-offs to loans | 0.0088% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 234.6000% | 508 |
| Efficiency ratio | 62.8915% | 2,552 |
| Assets per employee ($millions) | 7.6799% | 1,458 |
| Cash dividends to net income (ytd only)* | 76.7263% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 1,546 |
| Loan loss allowance to noncurrent loans | 484.2105% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 3,020 |
| Noncurrent loans to loans | 0.3142% | 2,659 |
| Net loans and leases to total assets | 51.7007% | 3,221 |
| Net loans and leases to deposits | 65.5466% | 2,672 |
| Net loans and leases to core deposits | 68.5255% | 2,731 |
| Total domestic deposits to total assets | 78.8763% | 4,345 |
| Equity capital to assets | 8.0318% | 4,505 |
| Core capital (leverage) ratio | 8.3929% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,795,750 | 3,729 |
| Average earning assets | $119,878,250 | 3,725 |
| Average equity | $10,990,000 | 4,088 |
| Average total loans | $76,133,000 | 3,592 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 3,277 |
| Cost of funding earning assets | 0.2353% | 3,429 |
| Net interest margin | 3.1307% | 2,950 |
| Noninterest income to average assets | 0.4330% | 2,943 |
| Noninterest expense to average assets | 2.0947% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2607% | 1,989 |
| Return on assets (ROA) | 1.2607% | 2,064 |
| Pretax return on assets | 1.2607% | 2,736 |
| Return on Equity (ROE) | 14.4627% | 1,293 |
| Retained earnings to average equity (ytd only) | 3.5061% | 3,684 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4288% | 2,673 |
| Assets per employee ($millions) | 7.0399% | 1,775 |
| Cash dividends to net income (ytd only)* | 75.7576% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 1,582 |
| Loan loss allowance to noncurrent loans | 153.3887% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 1,458 |
| Noncurrent loans to loans | 0.9798% | 1,258 |
| Net loans and leases to total assets | 57.3553% | 2,743 |
| Net loans and leases to deposits | 73.1143% | 2,092 |
| Net loans and leases to core deposits | 76.7671% | 2,165 |
| Total domestic deposits to total assets | 78.4460% | 4,390 |
| Equity capital to assets | 8.7027% | 4,044 |
| Core capital (leverage) ratio | 8.5824% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,648,333 | 3,786 |
| Average earning assets | $117,290,000 | 3,768 |
| Average equity | $10,952,333 | 4,102 |
| Average total loans | $77,319,333 | 3,594 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5451% | 2,798 |
| Cost of funding earning assets | 0.2395% | 3,565 |
| Net interest margin | 3.3056% | 2,375 |
| Noninterest income to average assets | 0.4700% | 2,754 |
| Noninterest expense to average assets | 2.1165% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4419% | 1,464 |
| Return on assets (ROA) | 1.4419% | 1,533 |
| Pretax return on assets | 1.4419% | 2,165 |
| Return on Equity (ROE) | 16.5285% | 923 |
| Retained earnings to average equity (ytd only) | 5.5339% | 3,053 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4789% | 3,092 |
| Assets per employee ($millions) | 7.3052% | 1,581 |
| Cash dividends to net income (ytd only)* | 66.5188% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,013 |
| Loan loss allowance to noncurrent loans | 148.6595% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 1,667 |
| Noncurrent loans to loans | 0.9339% | 1,447 |
| Net loans and leases to total assets | 59.9059% | 2,549 |
| Net loans and leases to deposits | 75.1842% | 1,995 |
| Net loans and leases to core deposits | 78.5325% | 2,138 |
| Total domestic deposits to total assets | 79.6788% | 4,242 |
| Equity capital to assets | 8.3556% | 4,227 |
| Core capital (leverage) ratio | 8.8014% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,113,000 | 3,802 |
| Average earning assets | $116,893,000 | 3,773 |
| Average equity | $10,914,500 | 4,114 |
| Average total loans | $79,084,500 | 3,580 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 2,985 |
| Cost of funding earning assets | 0.3488% | 3,875 |
| Net interest margin | 3.5659% | 2,258 |
| Noninterest income to average assets | 0.4267% | 2,984 |
| Noninterest expense to average assets | 2.3904% | 3,161 |
| Loan and lease loss provision to assets | 0.1303% | 2,733 |
| Net operating income to assets | 1.2118% | 1,512 |
| Return on assets (ROA) | 1.2118% | 1,620 |
| Pretax return on assets | 1.2118% | 2,288 |
| Return on Equity (ROE) | 12.5404% | 1,166 |
| Retained earnings to average equity (ytd only) | 1.5710% | 4,005 |
| Net charge-offs to loans | 0.0884% | 1,575 |
| Credit loss provision to net charge-offs | 210.1449% | 2,110 |
| Earnings coverage of net charge-offs (x) | 21.6522% | 1,888 |
| Efficiency ratio | 64.0433% | 2,814 |
| Assets per employee ($millions) | 6.2491% | 2,125 |
| Cash dividends to net income (ytd only)* | 87.4722% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,907 |
| Loan loss allowance to noncurrent loans | 51.9438% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.8613% | 323 |
| Noncurrent loans to loans | 2.7271% | 347 |
| Net loans and leases to total assets | 65.0021% | 2,225 |
| Net loans and leases to deposits | 81.7479% | 1,684 |
| Net loans and leases to core deposits | 86.0470% | 1,866 |
| Total domestic deposits to total assets | 79.5154% | 4,135 |
| Equity capital to assets | 9.1314% | 3,948 |
| Core capital (leverage) ratio | 8.4593% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,318,600 | 3,865 |
| Average earning assets | $103,200,000 | 3,855 |
| Average equity | $10,757,200 | 4,113 |
| Average total loans | $78,060,200 | 3,593 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 2,935 |
| Cost of funding earning assets | 0.3806% | 3,912 |
| Net interest margin | 3.6318% | 2,156 |
| Noninterest income to average assets | 0.4129% | 3,015 |
| Noninterest expense to average assets | 2.3885% | 3,172 |
| Loan and lease loss provision to assets | 0.2129% | 1,895 |
| Net operating income to assets | 1.1705% | 1,740 |
| Return on assets (ROA) | 1.1705% | 1,865 |
| Pretax return on assets | 1.1705% | 2,486 |
| Return on Equity (ROE) | 11.9346% | 1,392 |
| Retained earnings to average equity (ytd only) | 1.0059% | 4,258 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3193% | 2,860 |
| Assets per employee ($millions) | 7.1600% | 1,395 |
| Cash dividends to net income (ytd only)* | 91.5713% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,332 |
| Loan loss allowance to noncurrent loans | 48.7097% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.0991% | 300 |
| Noncurrent loans to loans | 3.1151% | 291 |
| Net loans and leases to total assets | 64.4126% | 2,718 |
| Net loans and leases to deposits | 95.1805% | 828 |
| Net loans and leases to core deposits | 100.9450% | 1,097 |
| Total domestic deposits to total assets | 67.6742% | 4,820 |
| Equity capital to assets | 8.8482% | 4,219 |
| Core capital (leverage) ratio | 9.6628% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,465,000 | 3,882 |
| Average earning assets | $101,251,750 | 3,873 |
| Average equity | $10,736,000 | 4,119 |
| Average total loans | $78,003,250 | 3,608 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,669 |
| Cost of funding earning assets | 0.4388% | 3,852 |
| Net interest margin | 3.7900% | 1,865 |
| Noninterest income to average assets | 0.4308% | 2,904 |
| Noninterest expense to average assets | 2.5318% | 2,877 |
| Loan and lease loss provision to assets | 0.3321% | 1,286 |
| Net operating income to assets | 1.0913% | 2,001 |
| Return on assets (ROA) | 1.0913% | 2,120 |
| Pretax return on assets | 1.0913% | 2,734 |
| Return on Equity (ROE) | 10.7229% | 1,731 |
| Retained earnings to average equity (ytd only) | -0.0932% | 4,321 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0115% | 2,823 |
| Assets per employee ($millions) | 6.5004% | 1,775 |
| Cash dividends to net income (ytd only)* | 100.8696% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,296 |
| Loan loss allowance to noncurrent loans | 49.9586% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.2696% | 277 |
| Noncurrent loans to loans | 2.9803% | 328 |
| Net loans and leases to total assets | 72.3273% | 1,647 |
| Net loans and leases to deposits | 97.3473% | 703 |
| Net loans and leases to core deposits | 104.3066% | 982 |
| Total domestic deposits to total assets | 74.2982% | 4,569 |
| Equity capital to assets | 9.6918% | 3,488 |
| Core capital (leverage) ratio | 10.1816% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,380,000 | 3,919 |
| Average earning assets | $97,994,000 | 3,909 |
| Average equity | $10,724,667 | 4,131 |
| Average total loans | $77,467,333 | 3,621 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 2,424 |
| Cost of funding earning assets | 0.5680% | 3,600 |
| Net interest margin | 3.8916% | 1,698 |
| Noninterest income to average assets | 0.4707% | 2,699 |
| Noninterest expense to average assets | 2.6105% | 2,953 |
| Loan and lease loss provision to assets | 0.3890% | 786 |
| Net operating income to assets | 1.0699% | 1,935 |
| Return on assets (ROA) | 1.0699% | 2,038 |
| Pretax return on assets | 1.0699% | 2,612 |
| Return on Equity (ROE) | 10.2497% | 1,658 |
| Retained earnings to average equity (ytd only) | -0.4845% | 4,071 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1491% | 3,214 |
| Assets per employee ($millions) | 5.8057% | 1,836 |
| Cash dividends to net income (ytd only)* | 104.7273% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 1,241 |
| Loan loss allowance to noncurrent loans | 161.1664% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 1,689 |
| Noncurrent loans to loans | 0.9504% | 1,732 |
| Net loans and leases to total assets | 73.7956% | 1,646 |
| Net loans and leases to deposits | 97.9900% | 714 |
| Net loans and leases to core deposits | 105.7573% | 1,073 |
| Total domestic deposits to total assets | 75.3093% | 4,554 |
| Equity capital to assets | 10.9010% | 2,947 |
| Core capital (leverage) ratio | 10.3750% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,817,000 | 3,949 |
| Average earning assets | $95,076,000 | 3,941 |
| Average equity | $10,732,000 | 4,139 |
| Average total loans | $75,634,000 | 3,649 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 2,681 |
| Cost of funding earning assets | 0.6360% | 3,479 |
| Net interest margin | 3.9457% | 2,013 |
| Noninterest income to average assets | 0.4084% | 3,240 |
| Noninterest expense to average assets | 2.3360% | 3,855 |
| Loan and lease loss provision to assets | 0.0445% | 3,118 |
| Net operating income to assets | 1.6319% | 773 |
| Return on assets (ROA) | 1.6319% | 823 |
| Pretax return on assets | 1.6319% | 1,392 |
| Return on Equity (ROE) | 16.4382% | 486 |
| Retained earnings to average equity (ytd only) | 4.4484% | 2,735 |
| Net charge-offs to loans | 0.0027% | 3,593 |
| Credit loss provision to net charge-offs | 2,350.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 884.5000% | 119 |
| Efficiency ratio | 58.2192% | 3,932 |
| Assets per employee ($millions) | 5.9409% | 1,675 |
| Cash dividends to net income (ytd only)* | 72.9384% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,763 |
| Loan loss allowance to noncurrent loans | 313.0303% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 2,831 |
| Noncurrent loans to loans | 0.4269% | 2,917 |
| Net loans and leases to total assets | 71.3205% | 2,204 |
| Net loans and leases to deposits | 101.7381% | 488 |
| Net loans and leases to core deposits | 109.6971% | 872 |
| Total domestic deposits to total assets | 70.1020% | 4,933 |
| Equity capital to assets | 10.0106% | 3,903 |
| Core capital (leverage) ratio | 9.5576% | 4,005 |
| Tier 1 risk-based capital ratio | 14.7828% | 2,873 |
| Total risk-based capital ratio | 16.0364% | 2,799 |
| Memoranda: | ||
| Average total assets | $105,521,800 | 3,911 |
| Average earning assets | $96,382,400 | 3,934 |
| Average equity | $10,475,600 | 4,177 |
| Average total loans | $73,964,200 | 3,704 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 2,893 |
| Cost of funding earning assets | 0.6137% | 3,625 |
| Net interest margin | 3.9360% | 2,145 |
| Noninterest income to average assets | 0.4260% | 3,171 |
| Noninterest expense to average assets | 2.3682% | 3,772 |
| Loan and lease loss provision to assets | 0.0228% | 3,447 |
| Net operating income to assets | 1.6126% | 904 |
| Return on assets (ROA) | 1.6126% | 941 |
| Pretax return on assets | 1.6126% | 1,593 |
| Return on Equity (ROE) | 16.2787% | 568 |
| Retained earnings to average equity (ytd only) | 5.2215% | 2,782 |
| Net charge-offs to loans | 0.0055% | 3,197 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 429.9900% | 234 |
| Efficiency ratio | 59.1514% | 3,785 |
| Assets per employee ($millions) | 6.0570% | 1,567 |
| Cash dividends to net income (ytd only)* | 67.9244% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 1,788 |
| Loan loss allowance to noncurrent loans | 280.1676% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 2,867 |
| Noncurrent loans to loans | 0.4798% | 2,857 |
| Net loans and leases to total assets | 67.5224% | 2,866 |
| Net loans and leases to deposits | 98.0854% | 812 |
| Net loans and leases to core deposits | 105.4262% | 1,224 |
| Total domestic deposits to total assets | 68.8405% | 5,038 |
| Equity capital to assets | 9.7591% | 4,248 |
| Core capital (leverage) ratio | 10.2537% | 3,361 |
| Tier 1 risk-based capital ratio | 15.3344% | 2,694 |
| Total risk-based capital ratio | 16.5888% | 2,627 |
| Memoranda: | ||
| Average total assets | $105,168,000 | 3,955 |
| Average earning assets | $95,593,500 | 3,990 |
| Average equity | $10,418,250 | 4,236 |
| Average total loans | $73,130,000 | 3,758 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 2,726 |
| Cost of funding earning assets | 0.6396% | 3,466 |
| Net interest margin | 3.9437% | 2,112 |
| Noninterest income to average assets | 0.5160% | 2,587 |
| Noninterest expense to average assets | 2.3719% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7173% | 703 |
| Return on assets (ROA) | 1.7173% | 733 |
| Pretax return on assets | 1.7173% | 1,238 |
| Return on Equity (ROE) | 17.2462% | 442 |
| Retained earnings to average equity (ytd only) | 6.1096% | 2,232 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0038% | 4,011 |
| Assets per employee ($millions) | 5.7634% | 1,726 |
| Cash dividends to net income (ytd only)* | 64.5740% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,745 |
| Loan loss allowance to noncurrent loans | 275.9777% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 2,647 |
| Noncurrent loans to loans | 0.4960% | 2,795 |
| Net loans and leases to total assets | 68.6251% | 2,733 |
| Net loans and leases to deposits | 92.8346% | 1,395 |
| Net loans and leases to core deposits | 99.5999% | 1,758 |
| Total domestic deposits to total assets | 73.9218% | 4,837 |
| Equity capital to assets | 10.1675% | 3,820 |
| Core capital (leverage) ratio | 10.6012% | 2,982 |
| Tier 1 risk-based capital ratio | 14.0635% | 3,287 |
| Total risk-based capital ratio | 15.3152% | 3,205 |
| Memoranda: | ||
| Average total assets | $103,882,000 | 4,001 |
| Average earning assets | $94,124,000 | 4,033 |
| Average equity | $10,344,330 | 4,257 |
| Average total loans | $72,633,330 | 3,788 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 2,635 |
| Cost of funding earning assets | 0.6912% | 3,101 |
| Net interest margin | 3.8792% | 2,251 |
| Noninterest income to average assets | 0.4464% | 2,865 |
| Noninterest expense to average assets | 2.4011% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6084% | 879 |
| Return on assets (ROA) | 1.6084% | 912 |
| Pretax return on assets | 1.6084% | 1,450 |
| Return on Equity (ROE) | 16.3241% | 554 |
| Retained earnings to average equity (ytd only) | 5.0769% | 2,876 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8848% | 3,819 |
| Assets per employee ($millions) | 5.2601% | 2,212 |
| Cash dividends to net income (ytd only)* | 68.8995% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 1,821 |
| Loan loss allowance to noncurrent loans | 266.3073% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 1,804 |
| Noncurrent loans to loans | 0.5112% | 2,783 |
| Net loans and leases to total assets | 71.6215% | 2,227 |
| Net loans and leases to deposits | 100.6284% | 588 |
| Net loans and leases to core deposits | 108.5516% | 1,016 |
| Total domestic deposits to total assets | 71.1743% | 5,074 |
| Equity capital to assets | 10.3310% | 3,495 |
| Core capital (leverage) ratio | 10.0660% | 3,532 |
| Tier 1 risk-based capital ratio | 14.9752% | 2,899 |
| Total risk-based capital ratio | 16.2295% | 2,823 |
| Memoranda: | ||
| Average total assets | $103,952,000 | 4,040 |
| Average earning assets | $95,484,500 | 4,052 |
| Average equity | $10,242,500 | 4,290 |
| Average total loans | $72,859,500 | 3,821 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 3,750 |
| Cost of funding earning assets | 0.5409% | 3,106 |
| Net interest margin | 3.5565% | 3,522 |
| Noninterest income to average assets | 0.3907% | 3,492 |
| Noninterest expense to average assets | 2.4325% | 3,794 |
| Loan and lease loss provision to assets | 0.0711% | 2,712 |
| Net operating income to assets | 1.1731% | 2,302 |
| Return on assets (ROA) | 1.1731% | 2,291 |
| Pretax return on assets | 1.1731% | 3,000 |
| Return on Equity (ROE) | 12.3670% | 1,592 |
| Retained earnings to average equity (ytd only) | 0.8498% | 4,758 |
| Net charge-offs to loans | 0.0436% | 2,547 |
| Credit loss provision to net charge-offs | 241.9355% | 1,222 |
| Earnings coverage of net charge-offs (x) | 42.3226% | 1,263 |
| Efficiency ratio | 66.1594% | 2,848 |
| Assets per employee ($millions) | 5.9979% | 1,519 |
| Cash dividends to net income (ytd only)* | 93.1285% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,822 |
| Loan loss allowance to noncurrent loans | 297.5904% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 1,819 |
| Noncurrent loans to loans | 0.4539% | 2,908 |
| Net loans and leases to total assets | 66.8411% | 3,022 |
| Net loans and leases to deposits | 96.4140% | 1,034 |
| Net loans and leases to core deposits | 103.2153% | 1,489 |
| Total domestic deposits to total assets | 69.3272% | 5,176 |
| Equity capital to assets | 9.4107% | 4,206 |
| Core capital (leverage) ratio | 9.4431% | 4,179 |
| Tier 1 risk-based capital ratio | 14.5009% | 3,059 |
| Total risk-based capital ratio | 15.7540% | 2,975 |
| Memoranda: | ||
| Average total assets | $105,447,800 | 4,010 |
| Average earning assets | $97,426,200 | 4,017 |
| Average equity | $10,002,400 | 4,297 |
| Average total loans | $71,180,800 | 3,847 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,996 |
| Cost of funding earning assets | 0.4873% | 3,278 |
| Net interest margin | 3.4895% | 3,725 |
| Noninterest income to average assets | 0.4274% | 3,305 |
| Noninterest expense to average assets | 2.4804% | 3,651 |
| Loan and lease loss provision to assets | 0.0954% | 2,070 |
| Net operating income to assets | 1.0850% | 2,733 |
| Return on assets (ROA) | 1.0850% | 2,741 |
| Pretax return on assets | 1.0850% | 3,454 |
| Return on Equity (ROE) | 11.4152% | 2,008 |
| Retained earnings to average equity (ytd only) | -0.1472% | 5,054 |
| Net charge-offs to loans | 0.0585% | 1,984 |
| Credit loss provision to net charge-offs | 241.9355% | 1,209 |
| Earnings coverage of net charge-offs (x) | 29.9371% | 1,612 |
| Efficiency ratio | 67.7554% | 2,582 |
| Assets per employee ($millions) | 6.0697% | 1,441 |
| Cash dividends to net income (ytd only)* | 101.2899% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 1,756 |
| Loan loss allowance to noncurrent loans | 221.0291% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 1,709 |
| Noncurrent loans to loans | 0.6270% | 2,520 |
| Net loans and leases to total assets | 64.3440% | 3,384 |
| Net loans and leases to deposits | 95.0410% | 1,267 |
| Net loans and leases to core deposits | 101.4386% | 1,654 |
| Total domestic deposits to total assets | 67.7012% | 5,290 |
| Equity capital to assets | 9.1721% | 4,399 |
| Core capital (leverage) ratio | 10.0859% | 3,540 |
| Tier 1 risk-based capital ratio | 15.0684% | 2,848 |
| Total risk-based capital ratio | 16.3222% | 2,774 |
| Memoranda: | ||
| Average total assets | $104,819,250 | 4,055 |
| Average earning assets | $97,126,750 | 4,061 |
| Average equity | $9,963,000 | 4,343 |
| Average total loans | $70,688,250 | 3,892 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,840 |
| Cost of funding earning assets | 0.4931% | 3,057 |
| Net interest margin | 3.4869% | 3,677 |
| Noninterest income to average assets | 0.4393% | 3,222 |
| Noninterest expense to average assets | 2.5605% | 3,446 |
| Loan and lease loss provision to assets | 0.1452% | 1,317 |
| Net operating income to assets | 0.9773% | 3,115 |
| Return on assets (ROA) | 0.9773% | 3,120 |
| Pretax return on assets | 0.9773% | 3,729 |
| Return on Equity (ROE) | 10.1572% | 2,493 |
| Retained earnings to average equity (ytd only) | -1.4280% | 5,107 |
| Net charge-offs to loans | 0.0993% | 1,360 |
| Credit loss provision to net charge-offs | 214.2857% | 1,241 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 1,991 |
| Efficiency ratio | 69.5218% | 2,390 |
| Assets per employee ($millions) | 5.0724% | 2,324 |
| Cash dividends to net income (ytd only)* | 114.0594% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 1,797 |
| Loan loss allowance to noncurrent loans | 213.4490% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 1,514 |
| Noncurrent loans to loans | 0.6497% | 2,488 |
| Net loans and leases to total assets | 72.6018% | 2,180 |
| Net loans and leases to deposits | 95.0163% | 1,248 |
| Net loans and leases to core deposits | 101.3926% | 1,615 |
| Total domestic deposits to total assets | 76.4099% | 4,817 |
| Equity capital to assets | 10.3367% | 3,302 |
| Core capital (leverage) ratio | 10.0370% | 3,538 |
| Tier 1 risk-based capital ratio | 13.8821% | 3,416 |
| Total risk-based capital ratio | 15.1348% | 3,330 |
| Memoranda: | ||
| Average total assets | $103,340,670 | 4,123 |
| Average earning assets | $96,131,330 | 4,111 |
| Average equity | $9,943,670 | 4,387 |
| Average total loans | $70,488,670 | 3,923 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 4,244 |
| Cost of funding earning assets | 0.4831% | 2,927 |
| Net interest margin | 3.3061% | 4,175 |
| Noninterest income to average assets | 0.4231% | 3,289 |
| Noninterest expense to average assets | 2.4863% | 3,690 |
| Loan and lease loss provision to assets | 0.2808% | 482 |
| Net operating income to assets | 0.7564% | 3,888 |
| Return on assets (ROA) | 0.7564% | 3,887 |
| Pretax return on assets | 0.7564% | 4,272 |
| Return on Equity (ROE) | 8.1333% | 3,322 |
| Retained earnings to average equity (ytd only) | -3.4627% | 5,113 |
| Net charge-offs to loans | -0.0057% | 4,052 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5632% | 2,408 |
| Assets per employee ($millions) | 5.5331% | 1,910 |
| Cash dividends to net income (ytd only)* | 142.5743% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 1,643 |
| Loan loss allowance to noncurrent loans | 82.6440% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 1,142 |
| Noncurrent loans to loans | 1.7581% | 970 |
| Net loans and leases to total assets | 65.7408% | 3,074 |
| Net loans and leases to deposits | 91.2105% | 1,535 |
| Net loans and leases to core deposits | 96.8362% | 1,915 |
| Total domestic deposits to total assets | 72.0759% | 5,280 |
| Equity capital to assets | 9.4199% | 4,161 |
| Core capital (leverage) ratio | 9.3653% | 4,233 |
| Tier 1 risk-based capital ratio | 14.3297% | 3,210 |
| Total risk-based capital ratio | 15.5840% | 3,125 |
| Memoranda: | ||
| Average total assets | $106,823,500 | 4,111 |
| Average earning assets | $100,179,500 | 4,096 |
| Average equity | $9,934,500 | 4,437 |
| Average total loans | $70,256,000 | 3,966 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6783% | 4,388 |
| Cost of funding earning assets | 0.3874% | 3,359 |
| Net interest margin | 3.2908% | 4,187 |
| Noninterest income to average assets | 0.9130% | 1,232 |
| Noninterest expense to average assets | 2.2559% | 4,427 |
| Loan and lease loss provision to assets | 0.0412% | 3,441 |
| Net operating income to assets | 1.6540% | 580 |
| Return on assets (ROA) | 1.6540% | 596 |
| Pretax return on assets | 1.6540% | 1,142 |
| Return on Equity (ROE) | 18.4962% | 275 |
| Retained earnings to average equity (ytd only) | 2.6189% | 3,751 |
| Net charge-offs to loans | -0.0075% | 4,723 |
| Credit loss provision to net charge-offs | -900.0000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0966% | 4,640 |
| Assets per employee ($millions) | 5.1676% | 2,290 |
| Cash dividends to net income (ytd only)* | 85.8407% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 2,015 |
| Loan loss allowance to noncurrent loans | 156.5506% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 2,288 |
| Noncurrent loans to loans | 0.8568% | 2,083 |
| Net loans and leases to total assets | 63.9860% | 3,369 |
| Net loans and leases to deposits | 93.4172% | 1,338 |
| Net loans and leases to core deposits | 99.6327% | 1,739 |
| Total domestic deposits to total assets | 68.4949% | 5,454 |
| Equity capital to assets | 9.1836% | 4,546 |
| Core capital (leverage) ratio | 9.0283% | 4,616 |
| Tier 1 risk-based capital ratio | 13.9721% | 3,379 |
| Total risk-based capital ratio | 15.2237% | 3,284 |
| Memoranda: | ||
| Average total assets | $109,312,600 | 4,074 |
| Average earning assets | $100,917,000 | 4,083 |
| Average equity | $9,775,000 | 4,490 |
| Average total loans | $66,885,200 | 4,033 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 4,396 |
| Cost of funding earning assets | 0.3605% | 3,560 |
| Net interest margin | 3.3093% | 4,139 |
| Noninterest income to average assets | 0.8194% | 1,515 |
| Noninterest expense to average assets | 2.2926% | 4,320 |
| Loan and lease loss provision to assets | 0.0304% | 3,513 |
| Net operating income to assets | 1.5474% | 807 |
| Return on assets (ROA) | 1.5474% | 827 |
| Pretax return on assets | 1.5474% | 1,589 |
| Return on Equity (ROE) | 17.4214% | 383 |
| Retained earnings to average equity (ytd only) | 0.0959% | 5,184 |
| Net charge-offs to loans | -0.0081% | 4,572 |
| Credit loss provision to net charge-offs | -625.0000% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2325% | 4,324 |
| Assets per employee ($millions) | 5.8449% | 1,614 |
| Cash dividends to net income (ytd only)* | 99.4494% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,268 |
| Loan loss allowance to noncurrent loans | 151.0638% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 2,420 |
| Noncurrent loans to loans | 0.8734% | 2,190 |
| Net loans and leases to total assets | 62.1644% | 3,634 |
| Net loans and leases to deposits | 92.5254% | 1,488 |
| Net loans and leases to core deposits | 98.6863% | 1,829 |
| Total domestic deposits to total assets | 67.1862% | 5,561 |
| Equity capital to assets | 8.7849% | 5,093 |
| Core capital (leverage) ratio | 9.4797% | 4,192 |
| Tier 1 risk-based capital ratio | 13.8556% | 3,507 |
| Total risk-based capital ratio | 15.1073% | 3,437 |
| Memoranda: | ||
| Average total assets | $109,511,000 | 4,110 |
| Average earning assets | $100,965,750 | 4,120 |
| Average equity | $9,727,250 | 4,539 |
| Average total loans | $66,011,250 | 4,086 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 4,431 |
| Cost of funding earning assets | 0.3505% | 3,577 |
| Net interest margin | 3.2790% | 4,174 |
| Noninterest income to average assets | 1.0532% | 913 |
| Noninterest expense to average assets | 2.3377% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7542% | 499 |
| Return on assets (ROA) | 1.7542% | 507 |
| Pretax return on assets | 1.7542% | 936 |
| Return on Equity (ROE) | 19.6755% | 230 |
| Retained earnings to average equity (ytd only) | -0.4116% | 5,150 |
| Net charge-offs to loans | -0.0093% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1300% | 4,691 |
| Assets per employee ($millions) | 5.0907% | 2,286 |
| Cash dividends to net income (ytd only)* | 102.0921% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,052 |
| Loan loss allowance to noncurrent loans | 183.4356% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 2,641 |
| Noncurrent loans to loans | 0.7509% | 2,514 |
| Net loans and leases to total assets | 63.0784% | 3,502 |
| Net loans and leases to deposits | 84.3417% | 2,426 |
| Net loans and leases to core deposits | 89.7959% | 2,545 |
| Total domestic deposits to total assets | 74.7891% | 5,224 |
| Equity capital to assets | 9.5459% | 4,367 |
| Core capital (leverage) ratio | 9.3184% | 4,346 |
| Tier 1 risk-based capital ratio | 14.3623% | 3,233 |
| Total risk-based capital ratio | 15.6151% | 3,157 |
| Memoranda: | ||
| Average total assets | $108,996,670 | 4,143 |
| Average earning assets | $101,007,670 | 4,149 |
| Average equity | $9,717,670 | 4,561 |
| Average total loans | $64,695,330 | 4,131 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4802% | 4,744 |
| Cost of funding earning assets | 0.3422% | 3,610 |
| Net interest margin | 3.1379% | 4,536 |
| Noninterest income to average assets | 1.6769% | 403 |
| Noninterest expense to average assets | 2.3093% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2667% | 202 |
| Return on assets (ROA) | 2.2667% | 208 |
| Pretax return on assets | 2.2667% | 319 |
| Return on Equity (ROE) | 26.2632% | 72 |
| Retained earnings to average equity (ytd only) | -2.0582% | 5,174 |
| Net charge-offs to loans | -0.0186% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4658% | 5,350 |
| Assets per employee ($millions) | 5.2450% | 2,144 |
| Cash dividends to net income (ytd only)* | 107.8370% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 2,137 |
| Loan loss allowance to noncurrent loans | 181.5789% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 1,450 |
| Noncurrent loans to loans | 0.7629% | 2,574 |
| Net loans and leases to total assets | 57.9759% | 3,979 |
| Net loans and leases to deposits | 82.0046% | 2,509 |
| Net loans and leases to core deposits | 87.4442% | 2,598 |
| Total domestic deposits to total assets | 70.6984% | 5,604 |
| Equity capital to assets | 8.7976% | 5,001 |
| Core capital (leverage) ratio | 8.8504% | 4,905 |
| Tier 1 risk-based capital ratio | 14.2165% | 3,353 |
| Total risk-based capital ratio | 15.4692% | 3,269 |
| Memoranda: | ||
| Average total assets | $112,588,500 | 4,121 |
| Average earning assets | $104,018,000 | 4,127 |
| Average equity | $9,717,000 | 4,586 |
| Average total loans | $64,483,500 | 4,170 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 4,901 |
| Cost of funding earning assets | 0.3174% | 3,876 |
| Net interest margin | 3.1229% | 4,661 |
| Noninterest income to average assets | 0.4254% | 3,711 |
| Noninterest expense to average assets | 2.1691% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1344% | 1,751 |
| Return on assets (ROA) | 1.1344% | 1,847 |
| Pretax return on assets | 1.1344% | 2,951 |
| Return on Equity (ROE) | 12.9974% | 994 |
| Retained earnings to average equity (ytd only) | 0.4113% | 5,158 |
| Net charge-offs to loans | 0.0819% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 24.3077% | 1,643 |
| Efficiency ratio | 65.6615% | 3,647 |
| Assets per employee ($millions) | 6.0544% | 1,437 |
| Cash dividends to net income (ytd only)* | 96.8354% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,114 |
| Loan loss allowance to noncurrent loans | 406.3636% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 2,057 |
| Noncurrent loans to loans | 0.3426% | 3,908 |
| Net loans and leases to total assets | 55.0442% | 4,344 |
| Net loans and leases to deposits | 83.2291% | 2,510 |
| Net loans and leases to core deposits | 88.8625% | 2,598 |
| Total domestic deposits to total assets | 66.1358% | 5,755 |
| Equity capital to assets | 8.4706% | 5,291 |
| Core capital (leverage) ratio | 8.5536% | 5,209 |
| Tier 1 risk-based capital ratio | 13.9534% | 3,489 |
| Total risk-based capital ratio | 15.2053% | 3,406 |
| Memoranda: | ||
| Average total assets | $111,426,800 | 4,138 |
| Average earning assets | $102,694,000 | 4,148 |
| Average equity | $9,725,000 | 4,634 |
| Average total loans | $63,489,200 | 4,194 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4032% | 5,021 |
| Cost of funding earning assets | 0.3168% | 3,907 |
| Net interest margin | 3.0865% | 4,808 |
| Noninterest income to average assets | 0.4294% | 3,700 |
| Noninterest expense to average assets | 2.2112% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0628% | 2,153 |
| Return on assets (ROA) | 1.0628% | 2,259 |
| Pretax return on assets | 1.0628% | 3,384 |
| Return on Equity (ROE) | 12.0845% | 1,296 |
| Retained earnings to average equity (ytd only) | -0.7544% | 5,471 |
| Net charge-offs to loans | 0.1116% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.6238% | 2,100 |
| Efficiency ratio | 67.5387% | 3,313 |
| Assets per employee ($millions) | 6.0424% | 1,399 |
| Cash dividends to net income (ytd only)* | 106.2428% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 2,161 |
| Loan loss allowance to noncurrent loans | 210.6132% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 1.1001% | 1,849 |
| Noncurrent loans to loans | 0.6686% | 3,021 |
| Net loans and leases to total assets | 54.4597% | 4,451 |
| Net loans and leases to deposits | 84.5031% | 2,430 |
| Net loans and leases to core deposits | 91.1640% | 2,467 |
| Total domestic deposits to total assets | 64.4470% | 5,843 |
| Equity capital to assets | 8.4787% | 5,541 |
| Core capital (leverage) ratio | 9.4376% | 4,274 |
| Tier 1 risk-based capital ratio | 13.8128% | 3,661 |
| Total risk-based capital ratio | 15.0644% | 3,587 |
| Memoranda: | ||
| Average total assets | $110,525,250 | 4,181 |
| Average earning assets | $101,861,250 | 4,196 |
| Average equity | $9,720,250 | 4,671 |
| Average total loans | $63,308,250 | 4,218 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 5,036 |
| Cost of funding earning assets | 0.3258% | 3,839 |
| Net interest margin | 3.0954% | 4,846 |
| Noninterest income to average assets | 0.4418% | 3,577 |
| Noninterest expense to average assets | 2.2310% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0669% | 2,098 |
| Return on assets (ROA) | 1.0669% | 2,220 |
| Pretax return on assets | 1.0669% | 3,336 |
| Return on Equity (ROE) | 11.9806% | 1,332 |
| Retained earnings to average equity (ytd only) | -1.3586% | 5,479 |
| Net charge-offs to loans | 0.0917% | 1,926 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 20.0690% | 1,743 |
| Efficiency ratio | 67.6487% | 3,416 |
| Assets per employee ($millions) | 5.3715% | 1,913 |
| Cash dividends to net income (ytd only)* | 111.3402% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,109 |
| Loan loss allowance to noncurrent loans | 37.5512% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 2.6387% | 500 |
| Noncurrent loans to loans | 3.8325% | 328 |
| Net loans and leases to total assets | 61.5350% | 3,680 |
| Net loans and leases to deposits | 86.4982% | 2,186 |
| Net loans and leases to core deposits | 93.7903% | 2,187 |
| Total domestic deposits to total assets | 71.1402% | 5,720 |
| Equity capital to assets | 9.5347% | 4,731 |
| Core capital (leverage) ratio | 9.1207% | 4,690 |
| Tier 1 risk-based capital ratio | 13.9684% | 3,624 |
| Total risk-based capital ratio | 15.2214% | 3,545 |
| Memoranda: | ||
| Average total assets | $109,098,330 | 4,244 |
| Average earning assets | $100,664,670 | 4,252 |
| Average equity | $9,715,670 | 4,702 |
| Average total loans | $63,272,330 | 4,252 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 5,293 |
| Cost of funding earning assets | 0.3277% | 3,870 |
| Net interest margin | 2.9876% | 5,148 |
| Noninterest income to average assets | 0.3907% | 3,901 |
| Noninterest expense to average assets | 2.1489% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9945% | 2,307 |
| Return on assets (ROA) | 0.9945% | 2,422 |
| Pretax return on assets | 0.9945% | 3,502 |
| Return on Equity (ROE) | 11.5369% | 1,449 |
| Retained earnings to average equity (ytd only) | -3.2963% | 5,499 |
| Net charge-offs to loans | 0.0381% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 922 |
| Efficiency ratio | 68.3616% | 3,404 |
| Assets per employee ($millions) | 5.9009% | 1,483 |
| Cash dividends to net income (ytd only)* | 128.5714% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 1,943 |
| Loan loss allowance to noncurrent loans | 38.3830% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 2.2958% | 691 |
| Noncurrent loans to loans | 3.9314% | 315 |
| Net loans and leases to total assets | 54.7218% | 4,380 |
| Net loans and leases to deposits | 79.6172% | 2,850 |
| Net loans and leases to core deposits | 86.1772% | 2,732 |
| Total domestic deposits to total assets | 68.7312% | 5,904 |
| Equity capital to assets | 8.6400% | 5,467 |
| Core capital (leverage) ratio | 8.7844% | 5,088 |
| Tier 1 risk-based capital ratio | 14.0715% | 3,643 |
| Total risk-based capital ratio | 15.3242% | 3,574 |
| Memoranda: | ||
| Average total assets | $112,618,000 | 4,211 |
| Average earning assets | $103,761,000 | 4,217 |
| Average equity | $9,708,000 | 4,726 |
| Average total loans | $63,049,000 | 4,286 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,129 |
| Cost of funding earning assets | 0.3293% | 3,920 |
| Net interest margin | 3.4425% | 3,749 |
| Noninterest income to average assets | 0.4732% | 3,508 |
| Noninterest expense to average assets | 2.2274% | 4,986 |
| Loan and lease loss provision to assets | 0.1054% | 2,221 |
| Net operating income to assets | 1.2615% | 1,362 |
| Return on assets (ROA) | 1.2615% | 1,407 |
| Pretax return on assets | 1.2615% | 2,430 |
| Return on Equity (ROE) | 13.2885% | 996 |
| Retained earnings to average equity (ytd only) | -1.5108% | 5,713 |
| Net charge-offs to loans | 0.0046% | 4,283 |
| Credit loss provision to net charge-offs | 3,600.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 467.0000% | 141 |
| Efficiency ratio | 61.9707% | 4,606 |
| Assets per employee ($millions) | 6.2843% | 1,211 |
| Cash dividends to net income (ytd only)* | 111.3689% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 2,095 |
| Loan loss allowance to noncurrent loans | 172.6277% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 1,893 |
| Noncurrent loans to loans | 0.8589% | 2,633 |
| Net loans and leases to total assets | 55.5694% | 4,333 |
| Net loans and leases to deposits | 82.0892% | 2,576 |
| Net loans and leases to core deposits | 87.9688% | 2,606 |
| Total domestic deposits to total assets | 67.6939% | 5,980 |
| Equity capital to assets | 8.6008% | 5,468 |
| Core capital (leverage) ratio | 8.8232% | 5,083 |
| Tier 1 risk-based capital ratio | 14.2372% | 3,588 |
| Total risk-based capital ratio | 15.4901% | 3,496 |
| Memoranda: | ||
| Average total assets | $102,496,200 | 4,417 |
| Average earning assets | $92,926,400 | 4,452 |
| Average equity | $9,730,200 | 4,703 |
| Average total loans | $64,663,600 | 4,240 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 3,986 |
| Cost of funding earning assets | 0.3423% | 3,837 |
| Net interest margin | 3.4911% | 3,574 |
| Noninterest income to average assets | 0.8413% | 1,648 |
| Noninterest expense to average assets | 2.8431% | 3,025 |
| Loan and lease loss provision to assets | 0.1082% | 2,074 |
| Net operating income to assets | 1.0496% | 2,216 |
| Return on assets (ROA) | 1.0496% | 2,314 |
| Pretax return on assets | 1.0496% | 3,415 |
| Return on Equity (ROE) | 10.7700% | 1,796 |
| Retained earnings to average equity (ytd only) | -4.0285% | 5,992 |
| Net charge-offs to loans | 0.0062% | 3,962 |
| Credit loss provision to net charge-offs | 2,700.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 288.9925% | 246 |
| Efficiency ratio | 71.0614% | 3,033 |
| Assets per employee ($millions) | 5.8224% | 1,493 |
| Cash dividends to net income (ytd only)* | 137.4047% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 2,468 |
| Loan loss allowance to noncurrent loans | 171.9626% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 1,909 |
| Noncurrent loans to loans | 0.8298% | 2,893 |
| Net loans and leases to total assets | 60.6418% | 3,790 |
| Net loans and leases to deposits | 93.0391% | 1,300 |
| Net loans and leases to core deposits | 100.5553% | 1,470 |
| Total domestic deposits to total assets | 65.1788% | 6,112 |
| Equity capital to assets | 9.1981% | 5,115 |
| Core capital (leverage) ratio | 9.9362% | 3,725 |
| Tier 1 risk-based capital ratio | 14.9861% | 3,300 |
| Total risk-based capital ratio | 16.2393% | 3,241 |
| Memoranda: | ||
| Average total assets | $99,840,750 | 4,511 |
| Average earning assets | $90,360,500 | 4,546 |
| Average equity | $9,730,500 | 4,762 |
| Average total loans | $64,878,250 | 4,281 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 3,986 |
| Cost of funding earning assets | 0.3494% | 3,812 |
| Net interest margin | 3.4719% | 3,613 |
| Noninterest income to average assets | 0.6376% | 2,537 |
| Noninterest expense to average assets | 3.0758% | 2,317 |
| Loan and lease loss provision to assets | 0.1100% | 1,999 |
| Net operating income to assets | 0.6294% | 4,218 |
| Return on assets (ROA) | 0.6294% | 4,332 |
| Pretax return on assets | 0.6294% | 4,894 |
| Return on Equity (ROE) | 6.3315% | 3,969 |
| Retained earnings to average equity (ytd only) | -8.4216% | 6,139 |
| Net charge-offs to loans | 0.0092% | 3,584 |
| Credit loss provision to net charge-offs | 1,800.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 121.0000% | 521 |
| Efficiency ratio | 80.6193% | 1,672 |
| Assets per employee ($millions) | 5.0399% | 2,228 |
| Cash dividends to net income (ytd only)* | 233.0097% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 2,818 |
| Loan loss allowance to noncurrent loans | 87.8073% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.1742% | 973 |
| Noncurrent loans to loans | 1.5809% | 1,666 |
| Net loans and leases to total assets | 66.2472% | 2,908 |
| Net loans and leases to deposits | 94.4720% | 1,106 |
| Net loans and leases to core deposits | 102.1908% | 1,317 |
| Total domestic deposits to total assets | 70.1236% | 6,033 |
| Equity capital to assets | 9.9459% | 4,096 |
| Core capital (leverage) ratio | 10.0109% | 3,581 |
| Tier 1 risk-based capital ratio | 15.2942% | 3,204 |
| Total risk-based capital ratio | 16.5487% | 3,138 |
| Memoranda: | ||
| Average total assets | $98,186,330 | 4,585 |
| Average earning assets | $89,864,330 | 4,598 |
| Average equity | $9,760,670 | 4,793 |
| Average total loans | $65,012,670 | 4,314 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 4,010 |
| Cost of funding earning assets | 0.3458% | 3,915 |
| Net interest margin | 3.4538% | 3,614 |
| Noninterest income to average assets | 0.5754% | 2,799 |
| Noninterest expense to average assets | 2.5191% | 4,205 |
| Loan and lease loss provision to assets | 0.1087% | 1,891 |
| Net operating income to assets | 1.1227% | 1,783 |
| Return on assets (ROA) | 1.1227% | 1,891 |
| Pretax return on assets | 1.1227% | 2,986 |
| Return on Equity (ROE) | 11.2967% | 1,553 |
| Retained earnings to average equity (ytd only) | -3.2797% | 5,813 |
| Net charge-offs to loans | 0.0551% | 2,218 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,069 |
| Efficiency ratio | 67.1674% | 3,963 |
| Assets per employee ($millions) | 5.0922% | 2,238 |
| Cash dividends to net income (ytd only)* | 129.0323% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 3,257 |
| Loan loss allowance to noncurrent loans | 68.8853% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.9095% | 667 |
| Noncurrent loans to loans | 1.9275% | 1,386 |
| Net loans and leases to total assets | 65.9790% | 2,776 |
| Net loans and leases to deposits | 101.8492% | 464 |
| Net loans and leases to core deposits | 106.2234% | 921 |
| Total domestic deposits to total assets | 64.7811% | 6,262 |
| Equity capital to assets | 10.1755% | 3,914 |
| Core capital (leverage) ratio | 9.8788% | 3,784 |
| Tier 1 risk-based capital ratio | 15.4018% | 3,196 |
| Total risk-based capital ratio | 16.6541% | 3,130 |
| Memoranda: | ||
| Average total assets | $99,400,500 | 4,597 |
| Average earning assets | $91,377,000 | 4,610 |
| Average equity | $9,879,000 | 4,810 |
| Average total loans | $65,354,000 | 4,314 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,405 |
| Cost of funding earning assets | 0.3771% | 3,942 |
| Net interest margin | 3.7015% | 3,002 |
| Noninterest income to average assets | 0.7137% | 2,240 |
| Noninterest expense to average assets | 2.4117% | 4,814 |
| Loan and lease loss provision to assets | 0.1095% | 2,335 |
| Net operating income to assets | 1.5460% | 802 |
| Return on assets (ROA) | 1.5460% | 831 |
| Pretax return on assets | 1.5460% | 1,399 |
| Return on Equity (ROE) | 15.2653% | 735 |
| Retained earnings to average equity (ytd only) | -2.1522% | 6,027 |
| Net charge-offs to loans | 0.1788% | 2,238 |
| Credit loss provision to net charge-offs | 91.5254% | 2,615 |
| Earnings coverage of net charge-offs (x) | 13.8390% | 2,235 |
| Efficiency ratio | 59.2971% | 5,308 |
| Assets per employee ($millions) | 5.1025% | 2,191 |
| Cash dividends to net income (ytd only)* | 114.0984% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 3,571 |
| Loan loss allowance to noncurrent loans | 64.8419% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.8075% | 762 |
| Noncurrent loans to loans | 1.9648% | 1,424 |
| Net loans and leases to total assets | 63.8634% | 3,245 |
| Net loans and leases to deposits | 99.5311% | 650 |
| Net loans and leases to core deposits | 103.6022% | 1,148 |
| Total domestic deposits to total assets | 64.1643% | 6,355 |
| Equity capital to assets | 9.7140% | 4,450 |
| Core capital (leverage) ratio | 9.6831% | 3,995 |
| Tier 1 risk-based capital ratio | 15.3525% | 3,292 |
| Total risk-based capital ratio | 16.6061% | 3,242 |
| Memoranda: | ||
| Average total assets | $98,644,000 | 4,637 |
| Average earning assets | $89,368,200 | 4,673 |
| Average equity | $9,990,000 | 4,754 |
| Average total loans | $66,005,200 | 4,295 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 3,177 |
| Cost of funding earning assets | 0.3829% | 3,982 |
| Net interest margin | 3.7654% | 2,757 |
| Noninterest income to average assets | 0.7403% | 2,138 |
| Noninterest expense to average assets | 2.5032% | 4,517 |
| Loan and lease loss provision to assets | 0.1104% | 2,204 |
| Net operating income to assets | 1.5188% | 900 |
| Return on assets (ROA) | 1.5188% | 938 |
| Pretax return on assets | 1.5188% | 1,587 |
| Return on Equity (ROE) | 14.8393% | 852 |
| Retained earnings to average equity (ytd only) | -3.5433% | 6,181 |
| Net charge-offs to loans | 0.2384% | 1,615 |
| Credit loss provision to net charge-offs | 68.6441% | 2,793 |
| Earnings coverage of net charge-offs (x) | 10.1271% | 2,580 |
| Efficiency ratio | 60.5741% | 5,110 |
| Assets per employee ($millions) | 5.2033% | 2,010 |
| Cash dividends to net income (ytd only)* | 123.8773% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 4,034 |
| Loan loss allowance to noncurrent loans | 163.7827% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 2.1208% | 1,324 |
| Noncurrent loans to loans | 0.7558% | 3,712 |
| Net loans and leases to total assets | 62.4100% | 3,426 |
| Net loans and leases to deposits | 104.4114% | 383 |
| Net loans and leases to core deposits | 108.9002% | 804 |
| Total domestic deposits to total assets | 59.7732% | 6,492 |
| Equity capital to assets | 9.4806% | 4,814 |
| Core capital (leverage) ratio | 11.1026% | 2,396 |
| Tier 1 risk-based capital ratio | 15.0083% | 3,580 |
| Total risk-based capital ratio | 16.2599% | 3,514 |
| Memoranda: | ||
| Average total assets | $97,792,750 | 4,700 |
| Average earning assets | $88,099,250 | 4,744 |
| Average equity | $10,009,250 | 4,782 |
| Average total loans | $66,003,250 | 4,331 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 2,837 |
| Cost of funding earning assets | 0.3950% | 3,913 |
| Net interest margin | 3.8370% | 2,429 |
| Noninterest income to average assets | 0.7440% | 2,070 |
| Noninterest expense to average assets | 2.5391% | 4,454 |
| Loan and lease loss provision to assets | 0.1129% | 2,142 |
| Net operating income to assets | 1.5841% | 732 |
| Return on assets (ROA) | 1.5841% | 766 |
| Pretax return on assets | 1.5841% | 1,294 |
| Return on Equity (ROE) | 15.0741% | 781 |
| Retained earnings to average equity (ytd only) | -5.2103% | 6,251 |
| Net charge-offs to loans | -0.0757% | 6,056 |
| Credit loss provision to net charge-offs | -216.0000% | 5,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9408% | 5,304 |
| Assets per employee ($millions) | 4.2342% | 3,402 |
| Cash dividends to net income (ytd only)* | 134.5646% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 3,287 |
| Loan loss allowance to noncurrent loans | 133.4290% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 2.4382% | 1,178 |
| Noncurrent loans to loans | 1.0586% | 3,114 |
| Net loans and leases to total assets | 73.0032% | 1,573 |
| Net loans and leases to deposits | 101.4377% | 484 |
| Net loans and leases to core deposits | 106.5877% | 865 |
| Total domestic deposits to total assets | 71.9686% | 6,252 |
| Equity capital to assets | 11.1069% | 2,778 |
| Core capital (leverage) ratio | 10.6592% | 2,763 |
| Tier 1 risk-based capital ratio | 15.7863% | 3,200 |
| Total risk-based capital ratio | 17.0413% | 3,134 |
| Memoranda: | ||
| Average total assets | $95,702,000 | 4,777 |
| Average earning assets | $87,098,670 | 4,792 |
| Average equity | $10,057,000 | 4,791 |
| Average total loans | $66,084,000 | 4,350 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 4,524 |
| Cost of funding earning assets | 0.3879% | 4,112 |
| Net interest margin | 3.4026% | 4,102 |
| Noninterest income to average assets | 0.6822% | 2,272 |
| Noninterest expense to average assets | 2.1636% | 5,546 |
| Loan and lease loss provision to assets | 0.1090% | 2,117 |
| Net operating income to assets | 1.5258% | 771 |
| Return on assets (ROA) | 1.5258% | 806 |
| Pretax return on assets | 1.5258% | 1,351 |
| Return on Equity (ROE) | 14.9002% | 791 |
| Retained earnings to average equity (ytd only) | 0.7095% | 5,306 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9607% | 5,759 |
| Assets per employee ($millions) | 5.0551% | 2,184 |
| Cash dividends to net income (ytd only)* | 95.2381% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 4,021 |
| Loan loss allowance to noncurrent loans | 43.7251% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 3.2974% | 810 |
| Noncurrent loans to loans | 3.0144% | 1,044 |
| Net loans and leases to total assets | 68.4412% | 2,153 |
| Net loans and leases to deposits | 103.1364% | 322 |
| Net loans and leases to core deposits | 108.3770% | 659 |
| Total domestic deposits to total assets | 66.3599% | 6,551 |
| Equity capital to assets | 10.5751% | 3,170 |
| Core capital (leverage) ratio | 10.2514% | 3,219 |
| Tier 1 risk-based capital ratio | 15.8946% | 3,222 |
| Total risk-based capital ratio | 17.1486% | 3,177 |
| Memoranda: | ||
| Average total assets | $99,094,000 | 4,755 |
| Average earning assets | $90,754,000 | 4,754 |
| Average equity | $10,147,500 | 4,788 |
| Average total loans | $66,204,500 | 4,381 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8952% | 4,479 |
| Cost of funding earning assets | 0.4649% | 3,968 |
| Net interest margin | 3.4303% | 4,165 |
| Noninterest income to average assets | 0.8041% | 2,067 |
| Noninterest expense to average assets | 2.0201% | 5,995 |
| Loan and lease loss provision to assets | 0.2136% | 1,715 |
| Net operating income to assets | 1.6771% | 604 |
| Return on assets (ROA) | 1.6771% | 617 |
| Pretax return on assets | 1.6771% | 992 |
| Return on Equity (ROE) | 16.4630% | 565 |
| Retained earnings to average equity (ytd only) | 5.3734% | 2,368 |
| Net charge-offs to loans | 0.4862% | 1,368 |
| Credit loss provision to net charge-offs | 67.7524% | 3,365 |
| Earnings coverage of net charge-offs (x) | 5.9967% | 3,157 |
| Efficiency ratio | 51.6544% | 6,319 |
| Assets per employee ($millions) | 5.1071% | 2,061 |
| Cash dividends to net income (ytd only)* | 67.3607% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,180 |
| Loan loss allowance to noncurrent loans | 55.3316% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.6404% | 1,276 |
| Noncurrent loans to loans | 2.3375% | 1,640 |
| Net loans and leases to total assets | 63.5831% | 3,120 |
| Net loans and leases to deposits | 93.8783% | 886 |
| Net loans and leases to core deposits | 99.6716% | 1,180 |
| Total domestic deposits to total assets | 67.7292% | 6,593 |
| Equity capital to assets | 9.9254% | 3,866 |
| Core capital (leverage) ratio | 9.9884% | 3,593 |
| Tier 1 risk-based capital ratio | 15.7322% | 3,232 |
| Total risk-based capital ratio | 16.9849% | 3,189 |
| Memoranda: | ||
| Average total assets | $97,371,400 | 4,804 |
| Average earning assets | $88,185,400 | 4,828 |
| Average equity | $9,919,200 | 4,865 |
| Average total loans | $63,146,000 | 4,511 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 4,538 |
| Cost of funding earning assets | 0.4725% | 4,040 |
| Net interest margin | 3.4183% | 4,216 |
| Noninterest income to average assets | 0.8539% | 1,919 |
| Noninterest expense to average assets | 2.1044% | 5,819 |
| Loan and lease loss provision to assets | 0.2509% | 1,423 |
| Net operating income to assets | 1.5873% | 766 |
| Return on assets (ROA) | 1.5873% | 812 |
| Pretax return on assets | 1.5873% | 1,365 |
| Return on Equity (ROE) | 15.4760% | 722 |
| Retained earnings to average equity (ytd only) | 4.6631% | 3,350 |
| Net charge-offs to loans | 0.1579% | 2,972 |
| Credit loss provision to net charge-offs | 244.5946% | 1,010 |
| Earnings coverage of net charge-offs (x) | 17.9197% | 1,706 |
| Efficiency ratio | 53.3755% | 6,155 |
| Assets per employee ($millions) | 5.4972% | 1,622 |
| Cash dividends to net income (ytd only)* | 69.8689% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 2,784 |
| Loan loss allowance to noncurrent loans | 56.9504% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.0470% | 1,212 |
| Noncurrent loans to loans | 2.9051% | 1,412 |
| Net loans and leases to total assets | 63.4977% | 3,082 |
| Net loans and leases to deposits | 97.1774% | 612 |
| Net loans and leases to core deposits | 103.0980% | 928 |
| Total domestic deposits to total assets | 65.3421% | 6,719 |
| Equity capital to assets | 10.0566% | 3,820 |
| Core capital (leverage) ratio | 11.2103% | 2,291 |
| Tier 1 risk-based capital ratio | 15.7357% | 3,329 |
| Total risk-based capital ratio | 16.9949% | 3,281 |
| Memoranda: | ||
| Average total assets | $96,178,750 | 4,878 |
| Average earning assets | $86,903,750 | 4,901 |
| Average equity | $9,864,500 | 4,940 |
| Average total loans | $62,483,500 | 4,566 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 4,481 |
| Cost of funding earning assets | 0.4816% | 4,072 |
| Net interest margin | 3.4174% | 4,126 |
| Noninterest income to average assets | 1.0603% | 1,360 |
| Noninterest expense to average assets | 2.0975% | 5,872 |
| Loan and lease loss provision to assets | 0.3233% | 1,079 |
| Net operating income to assets | 1.7532% | 568 |
| Return on assets (ROA) | 1.7532% | 610 |
| Pretax return on assets | 1.7532% | 1,008 |
| Return on Equity (ROE) | 16.9790% | 558 |
| Retained earnings to average equity (ytd only) | 6.8119% | 1,975 |
| Net charge-offs to loans | 0.1516% | 2,890 |
| Credit loss provision to net charge-offs | 327.6596% | 795 |
| Earnings coverage of net charge-offs (x) | 21.0426% | 1,431 |
| Efficiency ratio | 50.2515% | 6,410 |
| Assets per employee ($millions) | 5.0985% | 1,993 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 2,947 |
| Loan loss allowance to noncurrent loans | 50.2138% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 3.7026% | 998 |
| Noncurrent loans to loans | 3.3014% | 1,322 |
| Net loans and leases to total assets | 68.3240% | 2,178 |
| Net loans and leases to deposits | 90.7963% | 1,072 |
| Net loans and leases to core deposits | 96.2633% | 1,330 |
| Total domestic deposits to total assets | 75.2498% | 6,334 |
| Equity capital to assets | 10.8115% | 2,932 |
| Core capital (leverage) ratio | 10.7676% | 2,602 |
| Tier 1 risk-based capital ratio | 16.1756% | 3,100 |
| Total risk-based capital ratio | 17.4339% | 3,049 |
| Memoranda: | ||
| Average total assets | $95,255,000 | 4,928 |
| Average earning assets | $86,792,000 | 4,930 |
| Average equity | $9,835,670 | 4,980 |
| Average total loans | $62,015,330 | 4,603 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 4,710 |
| Cost of funding earning assets | 0.4803% | 4,276 |
| Net interest margin | 3.3529% | 4,300 |
| Noninterest income to average assets | 1.5300% | 657 |
| Noninterest expense to average assets | 2.0248% | 6,052 |
| Loan and lease loss provision to assets | 0.1113% | 2,843 |
| Net operating income to assets | 2.4455% | 171 |
| Return on assets (ROA) | 2.4455% | 184 |
| Pretax return on assets | 2.4455% | 290 |
| Return on Equity (ROE) | 24.2226% | 136 |
| Retained earnings to average equity (ytd only) | 15.0319% | 349 |
| Net charge-offs to loans | 0.3009% | 1,762 |
| Credit loss provision to net charge-offs | 58.6957% | 2,473 |
| Earnings coverage of net charge-offs (x) | 13.4783% | 1,526 |
| Efficiency ratio | 44.1944% | 6,767 |
| Assets per employee ($millions) | 5.5775% | 1,597 |
| Cash dividends to net income (ytd only)* | 37.9427% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 3,735 |
| Loan loss allowance to noncurrent loans | 38.6307% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 3.5022% | 1,211 |
| Noncurrent loans to loans | 3.9355% | 1,156 |
| Net loans and leases to total assets | 60.0697% | 3,417 |
| Net loans and leases to deposits | 82.4745% | 1,768 |
| Net loans and leases to core deposits | 87.0784% | 2,001 |
| Total domestic deposits to total assets | 72.8343% | 6,616 |
| Equity capital to assets | 9.9367% | 4,230 |
| Core capital (leverage) ratio | 10.3865% | 2,920 |
| Tier 1 risk-based capital ratio | 16.7063% | 2,903 |
| Total risk-based capital ratio | 17.9631% | 2,870 |
| Memoranda: | ||
| Average total assets | $96,996,000 | 4,928 |
| Average earning assets | $88,280,500 | 4,926 |
| Average equity | $9,792,500 | 5,039 |
| Average total loans | $61,143,000 | 4,665 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 3,770 |
| Cost of funding earning assets | 0.5418% | 4,887 |
| Net interest margin | 3.8687% | 2,951 |
| Noninterest income to average assets | 0.5857% | 3,358 |
| Noninterest expense to average assets | 2.5708% | 4,854 |
| Loan and lease loss provision to assets | 0.1184% | 4,144 |
| Net operating income to assets | 1.3106% | 1,271 |
| Return on assets (ROA) | 1.3106% | 1,412 |
| Pretax return on assets | 1.3106% | 2,354 |
| Return on Equity (ROE) | 12.4050% | 1,387 |
| Retained earnings to average equity (ytd only) | -1.7647% | 6,130 |
| Net charge-offs to loans | 0.4567% | 2,409 |
| Credit loss provision to net charge-offs | 38.8489% | 4,953 |
| Earnings coverage of net charge-offs (x) | 4.6871% | 3,290 |
| Efficiency ratio | 64.2720% | 4,835 |
| Assets per employee ($millions) | 5.1998% | 1,984 |
| Cash dividends to net income (ytd only)* | 114.2259% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 3,496 |
| Loan loss allowance to noncurrent loans | 38.0609% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 4.0076% | 1,068 |
| Noncurrent loans to loans | 4.0886% | 1,136 |
| Net loans and leases to total assets | 64.2093% | 2,871 |
| Net loans and leases to deposits | 91.0631% | 978 |
| Net loans and leases to core deposits | 96.6423% | 1,251 |
| Total domestic deposits to total assets | 70.5108% | 6,768 |
| Equity capital to assets | 10.2664% | 3,804 |
| Core capital (leverage) ratio | 9.8406% | 3,616 |
| Tier 1 risk-based capital ratio | 15.9425% | 3,194 |
| Total risk-based capital ratio | 17.1994% | 3,152 |
| Memoranda: | ||
| Average total assets | $91,178,400 | 5,051 |
| Average earning assets | $80,467,000 | 5,112 |
| Average equity | $9,633,200 | 5,067 |
| Average total loans | $60,866,200 | 4,678 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 3,154 |
| Cost of funding earning assets | 0.5465% | 5,113 |
| Net interest margin | 4.0668% | 2,220 |
| Noninterest income to average assets | 0.4872% | 4,005 |
| Noninterest expense to average assets | 2.6998% | 4,366 |
| Loan and lease loss provision to assets | 0.1192% | 4,059 |
| Net operating income to assets | 1.2395% | 1,607 |
| Return on assets (ROA) | 1.2395% | 1,776 |
| Pretax return on assets | 1.2395% | 2,826 |
| Return on Equity (ROE) | 11.6465% | 1,746 |
| Retained earnings to average equity (ytd only) | -4.1219% | 6,561 |
| Net charge-offs to loans | 0.6094% | 1,805 |
| Credit loss provision to net charge-offs | 29.1367% | 4,810 |
| Earnings coverage of net charge-offs (x) | 3.3201% | 3,690 |
| Efficiency ratio | 66.5216% | 4,350 |
| Assets per employee ($millions) | 4.5781% | 2,785 |
| Cash dividends to net income (ytd only)* | 135.3916% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 3,752 |
| Loan loss allowance to noncurrent loans | 386.1925% | 970 |
| Noncurrent assets plus other real estate owned to assets | 2.7356% | 1,932 |
| Noncurrent loans to loans | 0.4000% | 5,656 |
| Net loans and leases to total assets | 61.1872% | 3,535 |
| Net loans and leases to deposits | 94.6928% | 739 |
| Net loans and leases to core deposits | 101.0947% | 1,046 |
| Total domestic deposits to total assets | 64.6166% | 7,002 |
| Equity capital to assets | 9.8595% | 4,696 |
| Core capital (leverage) ratio | 10.9725% | 2,419 |
| Tier 1 risk-based capital ratio | 15.5747% | 3,493 |
| Total risk-based capital ratio | 16.8308% | 3,454 |
| Memoranda: | ||
| Average total assets | $90,573,750 | 5,119 |
| Average earning assets | $79,536,250 | 5,194 |
| Average equity | $9,639,250 | 5,118 |
| Average total loans | $60,820,750 | 4,735 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 2,417 |
| Cost of funding earning assets | 0.5636% | 5,197 |
| Net interest margin | 4.2590% | 1,581 |
| Noninterest income to average assets | 0.5027% | 3,906 |
| Noninterest expense to average assets | 2.8112% | 3,973 |
| Loan and lease loss provision to assets | 0.1217% | 4,000 |
| Net operating income to assets | 1.3008% | 1,442 |
| Return on assets (ROA) | 1.3008% | 1,591 |
| Pretax return on assets | 1.3008% | 2,556 |
| Return on Equity (ROE) | 11.9059% | 1,695 |
| Retained earnings to average equity (ytd only) | -4.1887% | 6,565 |
| Net charge-offs to loans | 0.7552% | 1,456 |
| Credit loss provision to net charge-offs | 23.3766% | 4,554 |
| Earnings coverage of net charge-offs (x) | 2.7316% | 3,644 |
| Efficiency ratio | 66.4004% | 4,463 |
| Assets per employee ($millions) | 3.8820% | 4,118 |
| Cash dividends to net income (ytd only)* | 135.1820% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 3,699 |
| Loan loss allowance to noncurrent loans | 455.5556% | 797 |
| Noncurrent assets plus other real estate owned to assets | 2.9132% | 1,899 |
| Noncurrent loans to loans | 0.3452% | 5,858 |
| Net loans and leases to total assets | 69.1194% | 2,083 |
| Net loans and leases to deposits | 95.2435% | 678 |
| Net loans and leases to core deposits | 102.5076% | 949 |
| Total domestic deposits to total assets | 72.5712% | 6,774 |
| Equity capital to assets | 11.2034% | 2,894 |
| Core capital (leverage) ratio | 10.8596% | 2,429 |
| Tier 1 risk-based capital ratio | 16.1876% | 3,075 |
| Total risk-based capital ratio | 17.4446% | 3,034 |
| Memoranda: | ||
| Average total assets | $88,718,000 | 5,205 |
| Average earning assets | $77,718,330 | 5,278 |
| Average equity | $9,692,670 | 5,112 |
| Average total loans | $61,178,000 | 4,735 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 2,532 |
| Cost of funding earning assets | 0.5671% | 5,380 |
| Net interest margin | 4.2606% | 1,587 |
| Noninterest income to average assets | 0.4869% | 4,007 |
| Noninterest expense to average assets | 2.5007% | 5,145 |
| Loan and lease loss provision to assets | 0.1195% | 3,853 |
| Net operating income to assets | 1.5579% | 927 |
| Return on assets (ROA) | 1.5579% | 1,036 |
| Pretax return on assets | 1.5579% | 1,715 |
| Return on Equity (ROE) | 14.4336% | 1,095 |
| Retained earnings to average equity (ytd only) | -1.5582% | 6,220 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8517% | 5,637 |
| Assets per employee ($millions) | 4.4304% | 3,128 |
| Cash dividends to net income (ytd only)* | 110.7955% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 2,635 |
| Loan loss allowance to noncurrent loans | 98.6242% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 3.1352% | 1,850 |
| Noncurrent loans to loans | 1.9411% | 3,233 |
| Net loans and leases to total assets | 66.3232% | 2,411 |
| Net loans and leases to deposits | 94.5765% | 627 |
| Net loans and leases to core deposits | 100.7993% | 938 |
| Total domestic deposits to total assets | 70.1265% | 6,974 |
| Equity capital to assets | 10.9890% | 2,918 |
| Core capital (leverage) ratio | 10.8675% | 2,367 |
| Tier 1 risk-based capital ratio | 16.6721% | 2,826 |
| Total risk-based capital ratio | 17.9328% | 2,774 |
| Memoranda: | ||
| Average total assets | $90,375,500 | 5,192 |
| Average earning assets | $78,299,000 | 5,294 |
| Average equity | $9,755,000 | 5,102 |
| Average total loans | $61,780,500 | 4,741 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 3,749 |
| Cost of funding earning assets | 0.6546% | 5,799 |
| Net interest margin | 4.1583% | 2,203 |
| Noninterest income to average assets | 0.8615% | 1,796 |
| Noninterest expense to average assets | 2.3698% | 5,849 |
| Loan and lease loss provision to assets | 0.0867% | 5,514 |
| Net operating income to assets | 2.0490% | 281 |
| Return on assets (ROA) | 2.0490% | 300 |
| Pretax return on assets | 2.0490% | 482 |
| Return on Equity (ROE) | 19.8501% | 267 |
| Retained earnings to average equity (ytd only) | -3.2384% | 6,303 |
| Net charge-offs to loans | 0.2949% | 3,933 |
| Credit loss provision to net charge-offs | 43.0769% | 5,573 |
| Earnings coverage of net charge-offs (x) | 10.6154% | 1,816 |
| Efficiency ratio | 52.5990% | 6,652 |
| Assets per employee ($millions) | 4.3878% | 3,086 |
| Cash dividends to net income (ytd only)* | 116.3142% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 2,989 |
| Loan loss allowance to noncurrent loans | 129.9304% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 2.6914% | 2,260 |
| Noncurrent loans to loans | 1.3543% | 4,115 |
| Net loans and leases to total assets | 67.8579% | 2,430 |
| Net loans and leases to deposits | 99.4766% | 483 |
| Net loans and leases to core deposits | 107.6400% | 723 |
| Total domestic deposits to total assets | 68.2150% | 7,064 |
| Equity capital to assets | 10.6062% | 3,411 |
| Core capital (leverage) ratio | 10.1369% | 3,187 |
| Tier 1 risk-based capital ratio | 15.7742% | 3,167 |
| Total risk-based capital ratio | 17.0334% | 3,126 |
| Memoranda: | ||
| Average total assets | $96,927,600 | 4,981 |
| Average earning assets | $84,938,200 | 5,089 |
| Average equity | $10,005,000 | 5,020 |
| Average total loans | $66,126,000 | 4,626 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 3,691 |
| Cost of funding earning assets | 0.6740% | 5,912 |
| Net interest margin | 4.1939% | 2,128 |
| Noninterest income to average assets | 0.4171% | 4,530 |
| Noninterest expense to average assets | 2.4839% | 5,518 |
| Loan and lease loss provision to assets | 0.0856% | 5,375 |
| Net operating income to assets | 1.5001% | 929 |
| Return on assets (ROA) | 1.5001% | 1,015 |
| Pretax return on assets | 1.5001% | 1,655 |
| Return on Equity (ROE) | 14.6274% | 912 |
| Retained earnings to average equity (ytd only) | -0.8745% | 6,133 |
| Net charge-offs to loans | 0.1458% | 4,607 |
| Credit loss provision to net charge-offs | 86.3014% | 3,908 |
| Earnings coverage of net charge-offs (x) | 15.9864% | 1,425 |
| Efficiency ratio | 61.0351% | 5,558 |
| Assets per employee ($millions) | 5.1423% | 2,003 |
| Cash dividends to net income (ytd only)* | 105.9784% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 2,767 |
| Loan loss allowance to noncurrent loans | 122.3447% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 3.9214% | 1,573 |
| Noncurrent loans to loans | 1.5163% | 4,010 |
| Net loans and leases to total assets | 62.8091% | 3,545 |
| Net loans and leases to deposits | 97.4666% | 610 |
| Net loans and leases to core deposits | 110.4149% | 655 |
| Total domestic deposits to total assets | 64.4416% | 7,239 |
| Equity capital to assets | 9.7418% | 4,719 |
| Core capital (leverage) ratio | 11.1000% | 2,316 |
| Tier 1 risk-based capital ratio | 15.2295% | 3,533 |
| Total risk-based capital ratio | 16.4898% | 3,487 |
| Memoranda: | ||
| Average total assets | $98,123,500 | 4,979 |
| Average earning assets | $85,454,500 | 5,109 |
| Average equity | $10,063,000 | 5,022 |
| Average total loans | $66,745,750 | 4,640 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 3,833 |
| Cost of funding earning assets | 0.7162% | 5,861 |
| Net interest margin | 4.1410% | 2,262 |
| Noninterest income to average assets | 0.4495% | 4,290 |
| Noninterest expense to average assets | 2.5003% | 5,536 |
| Loan and lease loss provision to assets | 0.0870% | 5,225 |
| Net operating income to assets | 1.4915% | 905 |
| Return on assets (ROA) | 1.4915% | 967 |
| Pretax return on assets | 1.4915% | 1,560 |
| Return on Equity (ROE) | 14.2890% | 920 |
| Retained earnings to average equity (ytd only) | -1.1908% | 6,085 |
| Net charge-offs to loans | 0.1133% | 4,567 |
| Credit loss provision to net charge-offs | 110.5263% | 2,773 |
| Earnings coverage of net charge-offs (x) | 20.0526% | 1,198 |
| Efficiency ratio | 61.3002% | 5,687 |
| Assets per employee ($millions) | 4.7706% | 2,452 |
| Cash dividends to net income (ytd only)* | 108.3333% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 2,847 |
| Loan loss allowance to noncurrent loans | 76.7557% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 4.3501% | 1,456 |
| Noncurrent loans to loans | 2.4019% | 2,989 |
| Net loans and leases to total assets | 72.5422% | 1,676 |
| Net loans and leases to deposits | 94.9913% | 805 |
| Net loans and leases to core deposits | 106.8946% | 875 |
| Total domestic deposits to total assets | 76.3672% | 6,543 |
| Equity capital to assets | 11.0822% | 2,872 |
| Core capital (leverage) ratio | 11.1473% | 2,144 |
| Tier 1 risk-based capital ratio | 15.8466% | 3,056 |
| Total risk-based capital ratio | 17.1083% | 3,029 |
| Memoranda: | ||
| Average total assets | $96,549,670 | 5,059 |
| Average earning assets | $84,618,000 | 5,175 |
| Average equity | $10,077,670 | 5,033 |
| Average total loans | $67,055,330 | 4,678 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 3,807 |
| Cost of funding earning assets | 0.7344% | 5,954 |
| Net interest margin | 4.1180% | 2,198 |
| Noninterest income to average assets | 0.4422% | 4,344 |
| Noninterest expense to average assets | 2.4883% | 5,595 |
| Loan and lease loss provision to assets | 0.0844% | 4,942 |
| Net operating income to assets | 1.5437% | 792 |
| Return on assets (ROA) | 1.5437% | 832 |
| Pretax return on assets | 1.5437% | 1,315 |
| Return on Equity (ROE) | 15.2170% | 791 |
| Retained earnings to average equity (ytd only) | -0.2378% | 5,833 |
| Net charge-offs to loans | 0.2266% | 3,180 |
| Credit loss provision to net charge-offs | 55.2632% | 3,650 |
| Earnings coverage of net charge-offs (x) | 10.6579% | 1,618 |
| Efficiency ratio | 60.4492% | 5,909 |
| Assets per employee ($millions) | 4.6403% | 2,673 |
| Cash dividends to net income (ytd only)* | 101.5625% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 2,938 |
| Loan loss allowance to noncurrent loans | 153.0895% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 3.3146% | 2,058 |
| Noncurrent loans to loans | 1.1910% | 4,698 |
| Net loans and leases to total assets | 67.0795% | 2,738 |
| Net loans and leases to deposits | 92.3015% | 991 |
| Net loans and leases to core deposits | 103.8660% | 1,068 |
| Total domestic deposits to total assets | 72.6744% | 7,024 |
| Equity capital to assets | 10.3492% | 3,351 |
| Core capital (leverage) ratio | 10.3034% | 2,802 |
| Tier 1 risk-based capital ratio | 15.5792% | 3,116 |
| Total risk-based capital ratio | 16.8391% | 3,071 |
| Memoranda: | ||
| Average total assets | $99,504,000 | 5,013 |
| Average earning assets | $88,780,000 | 5,061 |
| Average equity | $10,094,000 | 5,024 |
| Average total loans | $67,089,000 | 4,723 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 4,068 |
| Cost of funding earning assets | 0.7726% | 6,675 |
| Net interest margin | 4.3342% | 1,700 |
| Noninterest income to average assets | 0.6403% | 3,207 |
| Noninterest expense to average assets | 2.6450% | 5,241 |
| Loan and lease loss provision to assets | 0.0544% | 6,601 |
| Net operating income to assets | 1.7504% | 465 |
| Return on assets (ROA) | 1.7504% | 507 |
| Pretax return on assets | 1.7504% | 847 |
| Return on Equity (ROE) | 16.6700% | 508 |
| Retained earnings to average equity (ytd only) | 1.1259% | 4,983 |
| Net charge-offs to loans | 0.2965% | 4,536 |
| Credit loss provision to net charge-offs | 26.1307% | 6,518 |
| Earnings coverage of net charge-offs (x) | 8.6683% | 1,940 |
| Efficiency ratio | 59.4404% | 6,129 |
| Assets per employee ($millions) | 4.8362% | 2,372 |
| Cash dividends to net income (ytd only)* | 93.2457% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 2,798 |
| Loan loss allowance to noncurrent loans | 885.6115% | 407 |
| Noncurrent assets plus other real estate owned to assets | 2.5364% | 2,731 |
| Noncurrent loans to loans | 0.2056% | 6,656 |
| Net loans and leases to total assets | 65.3459% | 3,593 |
| Net loans and leases to deposits | 92.2416% | 1,248 |
| Net loans and leases to core deposits | 107.4579% | 1,093 |
| Total domestic deposits to total assets | 70.8422% | 7,184 |
| Equity capital to assets | 9.9477% | 3,813 |
| Core capital (leverage) ratio | 9.7157% | 3,417 |
| Tier 1 risk-based capital ratio | 15.3103% | 3,095 |
| Total risk-based capital ratio | 16.5691% | 3,043 |
| Memoranda: | ||
| Average total assets | $95,576,800 | 5,110 |
| Average earning assets | $84,005,800 | 5,212 |
| Average equity | $10,036,000 | 5,120 |
| Average total loans | $67,124,800 | 4,786 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 4,130 |
| Cost of funding earning assets | 0.7703% | 6,840 |
| Net interest margin | 4.3681% | 1,621 |
| Noninterest income to average assets | 0.6632% | 3,050 |
| Noninterest expense to average assets | 2.5467% | 5,532 |
| Loan and lease loss provision to assets | 0.2097% | 4,969 |
| Net operating income to assets | 1.7162% | 605 |
| Return on assets (ROA) | 1.7162% | 659 |
| Pretax return on assets | 1.7162% | 1,084 |
| Return on Equity (ROE) | 16.1153% | 689 |
| Retained earnings to average equity (ytd only) | 0.5456% | 5,580 |
| Net charge-offs to loans | 0.3602% | 3,860 |
| Credit loss provision to net charge-offs | 81.7680% | 5,083 |
| Earnings coverage of net charge-offs (x) | 7.5082% | 2,317 |
| Efficiency ratio | 56.9392% | 6,422 |
| Assets per employee ($millions) | 5.6098% | 1,525 |
| Cash dividends to net income (ytd only)* | 96.6141% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0239% | 2,162 |
| Loan loss allowance to noncurrent loans | 188.9045% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 2.9638% | 2,450 |
| Noncurrent loans to loans | 1.0714% | 5,093 |
| Net loans and leases to total assets | 61.0872% | 4,696 |
| Net loans and leases to deposits | 85.6476% | 2,415 |
| Net loans and leases to core deposits | 98.5232% | 1,995 |
| Total domestic deposits to total assets | 71.3239% | 7,195 |
| Equity capital to assets | 9.4392% | 4,934 |
| Core capital (leverage) ratio | 10.5190% | 2,671 |
| Tier 1 risk-based capital ratio | 15.0816% | 3,214 |
| Total risk-based capital ratio | 16.3424% | 3,196 |
| Memoranda: | ||
| Average total assets | $94,080,750 | 5,218 |
| Average earning assets | $82,048,000 | 5,343 |
| Average equity | $10,019,250 | 5,191 |
| Average total loans | $67,006,750 | 4,863 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2713% | 3,601 |
| Cost of funding earning assets | 0.7917% | 6,941 |
| Net interest margin | 4.4796% | 1,249 |
| Noninterest income to average assets | 0.7518% | 2,381 |
| Noninterest expense to average assets | 2.5069% | 5,695 |
| Loan and lease loss provision to assets | 0.3181% | 3,837 |
| Net operating income to assets | 1.8663% | 432 |
| Return on assets (ROA) | 1.8663% | 471 |
| Pretax return on assets | 1.8663% | 785 |
| Return on Equity (ROE) | 16.7711% | 597 |
| Retained earnings to average equity (ytd only) | 1.1794% | 5,277 |
| Net charge-offs to loans | 0.5477% | 2,887 |
| Credit loss provision to net charge-offs | 77.7174% | 4,773 |
| Earnings coverage of net charge-offs (x) | 5.3370% | 2,692 |
| Efficiency ratio | 53.4376% | 6,940 |
| Assets per employee ($millions) | 5.3081% | 1,802 |
| Cash dividends to net income (ytd only)* | 92.9678% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 2,688 |
| Loan loss allowance to noncurrent loans | 182.6503% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 3.4810% | 2,016 |
| Noncurrent loans to loans | 0.9919% | 5,321 |
| Net loans and leases to total assets | 75.8420% | 1,521 |
| Net loans and leases to deposits | 109.0619% | 299 |
| Net loans and leases to core deposits | 121.5227% | 647 |
| Total domestic deposits to total assets | 69.5403% | 7,359 |
| Equity capital to assets | 10.5541% | 3,342 |
| Core capital (leverage) ratio | 11.4372% | 1,945 |
| Tier 1 risk-based capital ratio | 13.7735% | 3,894 |
| Total risk-based capital ratio | 15.0313% | 3,854 |
| Memoranda: | ||
| Average total assets | $89,912,000 | 5,393 |
| Average earning assets | $79,069,000 | 5,470 |
| Average equity | $10,005,330 | 5,199 |
| Average total loans | $67,190,330 | 4,894 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 2,538 |
| Cost of funding earning assets | 0.8537% | 6,930 |
| Net interest margin | 4.6558% | 856 |
| Noninterest income to average assets | 0.5925% | 3,326 |
| Noninterest expense to average assets | 2.6041% | 5,344 |
| Loan and lease loss provision to assets | 0.6384% | 1,988 |
| Net operating income to assets | 1.3824% | 1,117 |
| Return on assets (ROA) | 1.3824% | 1,194 |
| Pretax return on assets | 1.3824% | 1,829 |
| Return on Equity (ROE) | 12.0811% | 1,481 |
| Retained earnings to average equity (ytd only) | -3.5721% | 6,440 |
| Net charge-offs to loans | 1.2084% | 1,406 |
| Credit loss provision to net charge-offs | 72.0207% | 4,057 |
| Earnings coverage of net charge-offs (x) | 2.2798% | 3,397 |
| Efficiency ratio | 56.3059% | 6,726 |
| Assets per employee ($millions) | 5.1971% | 1,971 |
| Cash dividends to net income (ytd only)* | 129.5681% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0704% | 2,015 |
| Loan loss allowance to noncurrent loans | 4,728.5714% | 75 |
| Noncurrent assets plus other real estate owned to assets | 2.2320% | 3,239 |
| Noncurrent loans to loans | 0.0438% | 7,302 |
| Net loans and leases to total assets | 70.8840% | 2,725 |
| Net loans and leases to deposits | 95.0622% | 1,223 |
| Net loans and leases to core deposits | 105.8945% | 1,584 |
| Total domestic deposits to total assets | 74.5659% | 6,972 |
| Equity capital to assets | 11.2281% | 2,553 |
| Core capital (leverage) ratio | 11.5168% | 1,900 |
| Tier 1 risk-based capital ratio | 16.1046% | 2,614 |
| Total risk-based capital ratio | 17.3367% | 2,569 |
| Memoranda: | ||
| Average total assets | $87,095,000 | 5,544 |
| Average earning assets | $75,432,000 | 5,652 |
| Average equity | $9,966,000 | 5,245 |
| Average total loans | $63,885,000 | 5,089 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5123% | 4,079 |
| Cost of funding earning assets | 1.0637% | 7,070 |
| Net interest margin | 4.4486% | 1,300 |
| Noninterest income to average assets | 0.8749% | 2,051 |
| Noninterest expense to average assets | 2.4764% | 6,218 |
| Loan and lease loss provision to assets | 1.2985% | 1,778 |
| Net operating income to assets | 1.1045% | 1,498 |
| Return on assets (ROA) | 1.1045% | 1,537 |
| Pretax return on assets | 1.1045% | 2,237 |
| Return on Equity (ROE) | 9.7459% | 1,765 |
| Retained earnings to average equity (ytd only) | -2.2085% | 5,561 |
| Net charge-offs to loans | 0.9722% | 2,462 |
| Credit loss provision to net charge-offs | 178.6730% | 2,333 |
| Earnings coverage of net charge-offs (x) | 3.3065% | 3,412 |
| Efficiency ratio | 50.7529% | 7,492 |
| Assets per employee ($millions) | 4.7689% | 2,520 |
| Cash dividends to net income (ytd only)* | 122.6611% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1592% | 1,717 |
| Loan loss allowance to noncurrent loans | 166.8281% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 3.0429% | 2,293 |
| Noncurrent loans to loans | 1.2943% | 4,766 |
| Net loans and leases to total assets | 72.7423% | 2,567 |
| Net loans and leases to deposits | 93.2485% | 1,701 |
| Net loans and leases to core deposits | 122.7820% | 1,731 |
| Total domestic deposits to total assets | 78.0091% | 6,216 |
| Equity capital to assets | 11.6636% | 2,210 |
| Core capital (leverage) ratio | 11.5115% | 1,912 |
| Tier 1 risk-based capital ratio | 16.3755% | 2,363 |
| Total risk-based capital ratio | 17.6386% | 2,311 |
| Memoranda: | ||
| Average total assets | $87,100,600 | 5,484 |
| Average earning assets | $78,406,200 | 5,515 |
| Average equity | $9,870,800 | 5,333 |
| Average total loans | $65,107,200 | 5,061 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 5,323 |
| Cost of funding earning assets | 1.1125% | 7,152 |
| Net interest margin | 4.2072% | 2,032 |
| Noninterest income to average assets | 1.0585% | 1,418 |
| Noninterest expense to average assets | 2.6097% | 5,679 |
| Loan and lease loss provision to assets | 1.5634% | 1,214 |
| Net operating income to assets | 0.6925% | 3,242 |
| Return on assets (ROA) | 0.6925% | 3,293 |
| Pretax return on assets | 0.6925% | 3,887 |
| Return on Equity (ROE) | 6.1544% | 3,463 |
| Retained earnings to average equity (ytd only) | -4.5548% | 6,197 |
| Net charge-offs to loans | 0.9741% | 2,024 |
| Credit loss provision to net charge-offs | 214.4351% | 2,045 |
| Earnings coverage of net charge-offs (x) | 3.0941% | 3,688 |
| Efficiency ratio | 53.6364% | 7,275 |
| Assets per employee ($millions) | 5.0634% | 2,068 |
| Cash dividends to net income (ytd only)* | 174.0088% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2056% | 1,409 |
| Loan loss allowance to noncurrent loans | 87.5460% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 3.1292% | 2,184 |
| Noncurrent loans to loans | 2.5193% | 2,989 |
| Net loans and leases to total assets | 69.4232% | 3,628 |
| Net loans and leases to deposits | 94.4105% | 1,804 |
| Net loans and leases to core deposits | 125.3775% | 1,781 |
| Total domestic deposits to total assets | 73.5333% | 7,021 |
| Equity capital to assets | 10.8853% | 3,134 |
| Core capital (leverage) ratio | 11.7585% | 1,930 |
| Tier 1 risk-based capital ratio | 16.0521% | 2,607 |
| Total risk-based capital ratio | 17.3165% | 2,535 |
| Memoranda: | ||
| Average total assets | $87,415,750 | 5,501 |
| Average earning assets | $79,101,000 | 5,521 |
| Average equity | $9,835,500 | 5,383 |
| Average total loans | $65,429,000 | 5,089 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4262% | 5,006 |
| Cost of funding earning assets | 1.1771% | 7,175 |
| Net interest margin | 4.2491% | 1,818 |
| Noninterest income to average assets | 0.6220% | 3,527 |
| Noninterest expense to average assets | 2.3905% | 6,495 |
| Loan and lease loss provision to assets | 1.7871% | 924 |
| Net operating income to assets | 0.3319% | 4,756 |
| Return on assets (ROA) | 0.3319% | 4,869 |
| Pretax return on assets | 0.3319% | 5,122 |
| Return on Equity (ROE) | 2.9163% | 4,935 |
| Retained earnings to average equity (ytd only) | -10.5435% | 6,930 |
| Net charge-offs to loans | 1.6202% | 1,169 |
| Credit loss provision to net charge-offs | 144.7368% | 3,200 |
| Earnings coverage of net charge-offs (x) | 1.7162% | 4,269 |
| Efficiency ratio | 53.0108% | 7,434 |
| Assets per employee ($millions) | 4.7641% | 2,372 |
| Cash dividends to net income (ytd only)* | 461.5385% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 2,294 |
| Loan loss allowance to noncurrent loans | 61.6998% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 4.0710% | 1,440 |
| Noncurrent loans to loans | 2.7750% | 2,590 |
| Net loans and leases to total assets | 74.8417% | 2,483 |
| Net loans and leases to deposits | 98.8677% | 1,409 |
| Net loans and leases to core deposits | 131.9442% | 1,436 |
| Total domestic deposits to total assets | 75.6988% | 6,616 |
| Equity capital to assets | 11.3407% | 2,639 |
| Core capital (leverage) ratio | 11.6238% | 2,027 |
| Tier 1 risk-based capital ratio | 15.7671% | 2,705 |
| Total risk-based capital ratio | 17.0273% | 2,639 |
| Memoranda: | ||
| Average total assets | $86,174,000 | 5,578 |
| Average earning assets | $78,840,000 | 5,568 |
| Average equity | $9,807,000 | 5,418 |
| Average total loans | $65,672,000 | 5,120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4981% | 4,920 |
| Cost of funding earning assets | 1.1961% | 7,305 |
| Net interest margin | 4.3020% | 1,596 |
| Noninterest income to average assets | 0.5464% | 3,957 |
| Noninterest expense to average assets | 2.2967% | 6,554 |
| Loan and lease loss provision to assets | 0.3056% | 3,504 |
| Net operating income to assets | 1.9077% | 421 |
| Return on assets (ROA) | 1.9077% | 472 |
| Pretax return on assets | 1.9077% | 782 |
| Return on Equity (ROE) | 16.7344% | 717 |
| Retained earnings to average equity (ytd only) | -4.7929% | 6,530 |
| Net charge-offs to loans | -1.1358% | 8,165 |
| Credit loss provision to net charge-offs | -35.2941% | 6,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9240% | 7,516 |
| Assets per employee ($millions) | 4.6411% | 2,516 |
| Cash dividends to net income (ytd only)* | 128.6408% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 2,075 |
| Loan loss allowance to noncurrent loans | 45.1574% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 4.7043% | 998 |
| Noncurrent loans to loans | 3.8079% | 1,617 |
| Net loans and leases to total assets | 77.5150% | 1,931 |
| Net loans and leases to deposits | 100.6090% | 1,328 |
| Net loans and leases to core deposits | 133.6581% | 1,433 |
| Total domestic deposits to total assets | 77.0457% | 6,266 |
| Equity capital to assets | 11.6902% | 2,453 |
| Core capital (leverage) ratio | 11.5099% | 2,140 |
| Tier 1 risk-based capital ratio | 16.1710% | 2,626 |
| Total risk-based capital ratio | 17.4301% | 2,565 |
| Memoranda: | ||
| Average total assets | $86,384,500 | 5,591 |
| Average earning assets | $79,591,000 | 5,559 |
| Average equity | $9,848,000 | 5,435 |
| Average total loans | $65,859,500 | 5,136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1902% | 4,569 |
| Cost of funding earning assets | 1.7418% | 7,155 |
| Net interest margin | 4.4484% | 1,543 |
| Noninterest income to average assets | 0.5872% | 3,948 |
| Noninterest expense to average assets | 2.2412% | 6,861 |
| Loan and lease loss provision to assets | 1.3702% | 1,019 |
| Net operating income to assets | 1.1184% | 2,077 |
| Return on assets (ROA) | 1.1184% | 1,992 |
| Pretax return on assets | 1.1184% | 2,962 |
| Return on Equity (ROE) | 10.8159% | 1,964 |
| Retained earnings to average equity (ytd only) | -11.4115% | 7,198 |
| Net charge-offs to loans | 1.5445% | 747 |
| Credit loss provision to net charge-offs | 119.0067% | 4,528 |
| Earnings coverage of net charge-offs (x) | 2.1614% | 4,993 |
| Efficiency ratio | 47.3843% | 7,849 |
| Assets per employee ($millions) | 4.9572% | 1,987 |
| Cash dividends to net income (ytd only)* | 205.5064% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 3,547 |
| Loan loss allowance to noncurrent loans | 61.4955% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.4484% | 1,291 |
| Noncurrent loans to loans | 2.1738% | 2,541 |
| Net loans and leases to total assets | 72.7902% | 3,414 |
| Net loans and leases to deposits | 102.7040% | 1,506 |
| Net loans and leases to core deposits | 132.2245% | 1,708 |
| Total domestic deposits to total assets | 70.8738% | 7,175 |
| Equity capital to assets | 11.1287% | 2,943 |
| Core capital (leverage) ratio | 10.7007% | 2,821 |
| Tier 1 risk-based capital ratio | 15.9307% | 2,692 |
| Total risk-based capital ratio | 17.1836% | 2,633 |
| Memoranda: | ||
| Average total assets | $90,933,000 | 5,327 |
| Average earning assets | $84,682,600 | 5,282 |
| Average equity | $9,402,800 | 5,604 |
| Average total loans | $67,790,400 | 4,953 |